December 17, 2025 • 41 mins
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Speaker 1 (00:01):
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Speaker 2 (01:02):
We're just trying to turn a nechel into a dime.
That's the bottom line.
Speaker 3 (01:14):
Welcome to real, honest talk about money, politics, news and
information you can actually use. Buckle up and hold on tight.
Speaker 2 (01:23):
This is that's the bottom line.
Speaker 4 (01:29):
The best thing in life up.
Speaker 3 (01:33):
But you can give them to the bath and.
Speaker 5 (01:35):
Be the That's.
Speaker 6 (01:51):
Good morning, everybody. This is that's the bottom line. I'm
your host, Jeff Lewis of ASSEK or the Associates, along
with Jean Ballerani. Thanks. We're spending part of this Christmas
season with us. We're taking a break from talking about
our top news stories today to talk about a different
kind of story, a story of redemption. Redemption has two components.
(02:13):
You regain possession of something or have it restored to you,
and in return, there's something you give up, an act
of sacrifice or payment or restitution. Twenty twenty five has
been a year of redemption for a lot of us,
and it can take a lot of forums. Politically speaking,
this year, we saw a kind of redemption when President
Trump took the oath of office a second time back
(02:33):
in January, completing the biggest political comeback in the history
of ever. But even though it might be heresy to
say it on this show, life isn't just about politics
or even about money. Relationships are really what matter in life.
Those we build with the people we love, our family,
and ultimately the relationship we have with our Creator. At
(02:55):
Christmas time, we tend to focus on those a little
bit more. We spend more time with family. Some of
us even go to church a little bit more than usual,
or pray a bit more. And each of us may
have different levels of faith, but all of us have
a story to tell. Families can be complicated. Not everyone
comes from what we call today a traditional home, and
for some of us, our home lives growing up might
(03:17):
sound more like a Gothic novel than a bedtime Christmas story.
You see, even the story of the Nativity itself is
one of sacrifice. It cost Mary and Joseph a lot
to be the blessed couple to raise the Messiah. It
cost a lot of Jewish families their own firstborn child
when King Herod ordered the Masacre of the Innocence. And
yet the very purpose of Jesus's life was to give
(03:40):
it up as atonement for the very sins that you
and I would commit these twenty centuries later. The Bible
teaches us that we are all born with the sin nature,
and I also believe in modern genetics validates this that
each of us has a hereditary propensity towards certain types
of behaviors. For some people it's alcoholism. For others, maybe
(04:00):
it's a lack of financial discipline, or a bad temper
or sexual sin. I think we all dealt with that
one at various times, it was. The Bible also teaches
that through Christ we can overcome all of these But
let's be real, just because a Christian is forgiven other
sins doesn't mean that a person won't still struggle deeply
with that issue for all their life. And like scripture says,
(04:23):
that same weakness can be passed down from generation to
generation like a vicious cycle that never ends. In my family,
we have a propensity to be bad fathers. My maternal
grandfather was a very smart man who was a programmer
for lunar missions back in the nineteen sixties and seventies,
the landings that some of y'all claim ever happened. But
(04:44):
like a lot of geniuses is new he went crazy,
you know, kind of like in the Game of Throne series,
how they say for the Targarian family at every birth
that God slip a coin to determine whether the kid
or not will crow it to be a lunatic. That's us.
He was smart, but he wasn't a good father, and
my mom suffered for that. The other side of the
family was even more dysfunctional. My paternal grandfather committed suicide
(05:08):
when my biological father, Milton, was just a child. That
affected the rest of his life. I talked about tempers before,
and Milton had one enough so that even to this day,
I am overly conscious of my own. Milton was physically abusive,
and my mom left them when I was still very young.
A few years later, he murdered his second wife, and
(05:28):
after failing to kill himself in the process, he spent
several years as a guest in the Washington State Penitentiary.
My mom remarried to yet another man who almost killed her,
and was divorced twice by the time I was seven.
I know this is pretty heavy stuff, but this is
where the redemption part comes in. You see, both my
parents would go on to turn their lives around. After
(05:50):
his release, Milton d made a deal with my mom
to stay out of our lives and let her raise
me on the promise that I could one day make
my own decision as to whether or not to have
her real lifelationship with him. My mom married a third
time when I was thirteen, a wonderful guy and named Mike,
who adopted me on my eighteenth birthday. This is its
own kind of special redemption of sorts. When I turned twenty,
(06:14):
I talked to Milton for the first time. We were
never close, I never called him my dad, But over
the years I came to respect that he actually did
care for me as his biological son, in a way
I never fully understood until I was faced with a
similar decision regarding my own child. You see, Milton atoned
for his behavior as a father by sacrificing his relationship
(06:37):
with me so that I could have a healthy family
life with my mom and my dad Mike. Over the years,
I've come to respect just what an enormous sacrifice he made. Sadly,
Milton died nearly eight years ago at age sixty one.
I spoke at his funeral. Now I said all that
to say this a moment ago, I said that I
(06:57):
faced a similar decision when my daughter was born. You
see these cycles coming back to haness, even when we
try our best to break them. In my case, years ago,
I was engaged to be married, and as these things happened,
we found out that we were pregnant shortly before the wedding,
but just three weeks before we were to be married,
she broke it off three months pregnant with my first
(07:20):
and what we've been now only child. Needless to say,
this devastated me. I hit the absolute lowest part of
my life. I had to be put on antidepressants and
I'm not gonna lie. I was borderline suicidal. The thought
of not being able to live my life with my child,
having the family I'd hoped for it was simply too
much for me. It was in this darkest hour that
(07:42):
God brought the greatest gift into my life that he's
ever given to me, my wife, Alicia. I went out
with her for the first time the very night I
was supposed to marry my ex fiance. Unknowingly, Felicia and
I got engaged the day after my daughter was born.
I suppose the Lord and I share a sense of irony,
but I had to make the hardest decision I've ever
(08:03):
made in my life. I could have thought for partial
custody of my daughter, but I didn't want to impose
on her the same situation that I grew up with,
churched between homes for my own sake. Instead, I allowed
her mother to raise her without my interference. My ex
fiancee's new husband soon adopted her, and I simply trusted
God that my little girl would grow up the better
(08:26):
for having been raised in a stable home environment, even
if it meant without me. I know some people would
disagree strongly with my decision. Even a few of our
closest friends still tell me as much. But I did
what I believed was in her best interest, not my own,
and I just trusted to God that I did the
right thing, and questioned it every day and prayed that
(08:47):
someday she might get curious to who her real father was,
and just maybe I could get to see her again
and tell her how much I love her. This summer,
I got a textile of the blue from my ex
fiance It read, your daughter wants to meet you. I
never knew how six words could so radically change your life.
(09:08):
I met Vivian for the first time just a couple
of months ago. She's twelve years old now, and I
swear the kid is like my clone, except she's absolutely
beautiful at leasta and I absolutely adore. We got to
have her over for Thanksgiving this year, and just the
other night we got to hear her sing a solo
in a Christmas concert at her school, and this week
(09:31):
I'm spending my very first Christmas with my little girl.
You see, God promises to never leave or forsake us.
He's a god of redemption and so much more. And
he's the reason I can tell my daughter this for
the very first time. Vivian, I love you and I'll
(09:52):
never leave you. We'll be right back with the news
for raight activists, stay with us.
Speaker 2 (09:58):
We're just trying to turn a neckle to a die.
That's the bottom line.
Speaker 1 (10:04):
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Speaker 3 (11:03):
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Speaker 1 (12:09):
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Speaker 2 (13:39):
We're just trying to turn a nipplement to what time.
Speaker 4 (13:42):
That's the bottom line.
Speaker 6 (14:16):
We're back with. That's the bottom line. I'm Jeff Lewis.
So with this week being Christmas, like the rest of you,
we're all want to take some time off with family
and relax and get ready to hit the ground running
in twenty twenty six. So I think it's a good
idea to do a little bit of a year interview
and look back at how far we've come in twenty
twenty five. Economically, we've done quite well. The stock market
(14:39):
is setting new record highs, and that's just the tip
of the iceberg. More importantly, purchasing power is higher. Inflation
may be at three percent, and yes that's on top
of the record inflationary prices caused by the indept policy
of the Biden administration, but ways just have increased to offset it.
We're about one percent up in turns of real purchasing power,
(15:01):
which comes out to about twelve hundred dollars a year
of real income per family. We're not back to where
we were when Trump left offices in twenty and twenty one,
but it's a start. Even with the tariffs, which haven't
really had a serious economic impact yet. The problem is
households aren't feeling the improvement, and that's the subject of
(15:21):
this discussion between the administration's economic advisor, Kevin Hassett and
CBS's Margaret Brandan.
Speaker 7 (15:27):
Well, I think that the tariff evidence is mixed, But
the point is that we've got deficit going way way down.
So right now it's looking like the deficit for the
sheareral B six one hundred billion dollars lower than it
was last year. That really helps lower inflation. We've got
the trade deficit cut in half from last year, and
so all of these things are things that should continue
(15:49):
to move us towards the FED target of two percent.
Speaker 8 (15:52):
Companies aren't necessarily going to bring items down though, in
terms of pricing, right I mean, the President told the
Wall Street Journal he didn't know when all of this
money quote is going to kick in. I think he
was talking at business investment and tariffs and help voters.
All I can do is my job. When do you
anticipate voters will feel this positive impact?
Speaker 9 (16:13):
Right?
Speaker 7 (16:13):
Well, it's definitely the case that you guys have been
covered a lot that consumer sentiment right now is lower
than anyone would like. But you know, we find that
that very often happens during a garment shutdown.
Speaker 6 (16:24):
Whenever the love is really called.
Speaker 8 (16:26):
That the vibe session right. No, but the data is good, feel.
Speaker 7 (16:28):
Bad, Yeah, but what's going to happen? To know what's
going to happen, I'm not saying that. What I'm saying
is that people are going to see the high growth
growth is four percent. Income growth is up about twelve
hundred dollars this year. People look at their wallets and
see they're doing better, which is why we have the
biggest Black Friday ever and so on, and so I
think that that's more exesting to me the sediment will
catch up with the reality. Under Joe Biden. The fact
(16:51):
is that real preaching power drop by about three thousand
so far this year. It's up by about twelve hundred
dollars per family. And the money that we're talking about
is like real money. So for groceries, it went from
four hundred months to five hundred and twenty five a
month under Biden. So that's like an extra more than
thousand dollars a year you have to spend on groceries.
It's down this year for us for the grocery package,
(17:12):
but it's still got a lot of room to grow.
Speaker 6 (17:15):
Notice the points that has it is making. Cutting the
trade deficit by roughly six hundred billion dollars is going
to help bring down the rate of inflation. But more importantly,
it's going to help spur growth, which is already at
four percent. We keep telling you this on this show.
Prices aren't ever going to come down. You beate inflation
(17:36):
with higher growth rates, and that's exactly what Trump's achieved
this first year. Now, this rate of growth is despite
the efforts of the Federal Reserve, which cann't find its
way out of an empty room with a map of
flashlight and a pack of guide dogs. The Fed keeps
misreading the economya every turn, maybe because they want to,
but they simply embrace the elitist global trade policies last
(18:00):
few generations. They can't believe the economy is growing as
fast as it is, and they predict like half our
current rate of growth over the next few years. But
as Lary Cudlow explains here, not only as a three
and a half to four percent rate of growth, likely
Trump's trade policies are anti inflationary.
Speaker 10 (18:20):
Here's one easy way to look at GDP, which should
be growing at three to four percent rather than one
point eight Over the past three years, productivity output per
hour has grown by two point one percent yearly, and
by the way, that doesn't really include the enormous effects
(18:41):
of AI that are coming now. Second, labor force growth
over the same three years come to one point three
percent annually. Put two together, you get three point four
percent growth in real GDP. That's a wisely widely accepted
(19:02):
construct but AI could jump those numbers much higher. So
could mister Trump's basic platform of supply side tax cuts, deregulation,
drill baby drill, reciprocal fair trade. Mister Trump has a
very energy centric view of inflation, but he's right. Lower
(19:24):
energy prices permeate every nook and cranny of the economy.
That includes, by the way, food and groceries. So this
year oil has dropped from eighty dollars to sixty dollars
a barrel. That's a twenty five percent drop, and very
little of that has hit the CPI inflation index, but
(19:48):
it's coming, just like gasoline that's under three dollars a gallon.
Lower inflation adds to real GDP just like productivity and
supply side tax cuts. That means you can get to
four percent growth with less than two percent inflation.
Speaker 6 (20:08):
As Kozlo correctly points out here, Trump's efforts to bring
down prices are heavily focused on our energy policy, and
they're both right, because energy prices affect every single area
of the economy. We Texans already understand that one fuel
prices are kind of a force multiplier when it comes
through the economy. Last time I gassed up, it was
(20:29):
two fourteen at the pump. Y'all remember what it was
like under Biden with gas prices back under control. Now
that we have real leadership again, it's only a matter
of time before the inflation index responds behind. But in
the end, Americans also understand this point, America's industrial base
has eroded and it's got to be rebuilt. And that's
(20:50):
the strategic endgame of Trump's entire policy. The CEO of
and reil of Defense Manufacturer explains.
Speaker 11 (20:57):
And the idea was that in a globalized, piece full
world with no conflict, that moving the things that were
lower value to other people would result in a more
prosperous nation. And I think it worked for a little while.
For example, allowing China into the World Trade Organization was
a very profitable thing. For our country. It allowsus to
buy a lot of cheap stuff, some of it good,
some of it bad, definitely cheaper than it would have
been making in the United States. Reindustrialization is really about
(21:20):
recognizing that sometimes your own destiny doesn't have a value
that can be measured in dollars. If you rely on
your strongest geopolitical adversary for all the things that make
the American way of life possible, and if divorcing yourself
from them would radically lower quality of life for everyone
in your country, how are you ever going to negotiate
with them, how are you ever going to hold them
(21:41):
to account? So reindustrialization a lot of it is it's
about making a new decision to bring back these critically
important things, not because it's cheaper, not because it is
necessarily necessary economically, but because as a country, you need
these things in order to not just be a vassal
state to the people who actually.
Speaker 6 (21:58):
It's time we rebuilt American industry. We'll be right back
with Jean in a moment.
Speaker 2 (22:03):
We're just trying to turn a nickel into a dime.
That's the bottom line. We're just trying to turn a
nickel into a dime. That's the bottom line.
Speaker 9 (22:18):
Well, good morning everyone, Merry Christmas. This is Jeane Valerani
reporting and this morning I want to say a little
a few things about Christmas and the world that we
live in. You know, there's an old church song which
opens with the lyrics, let there be peace on earth,
(22:41):
and let it begin with me get there seems to
be no peace anywhere. It's getting pretty close to Christmas,
and as usual, as is the case in the days
that we're now living in, there's no such thing as peace,
one could actually, uh say. Now, most of the lack
(23:03):
of peace continues as different religions, all espousing a belief
in a supreme being, cannot find peace with one another
in this modern world, and yet all claim peace as
their desire. I think we all know that Jesus came
(23:24):
into the world and preached peace, and he was put
to death for it. The Muslims believe Jesus is returning
the same as Christians do, but the Muslims have another
a slight difference in what their belief is. The Muslims
believe Jesus will come to install the Muslim faith. They
(23:48):
consider him one of their prophets. It doesn't seem reasonable
to me. But that's right. It's part of the Muslim belief.
As I understand, Christians, for the most part, believe in
the second coming of Christ, and they're going to install
(24:08):
peace of peace on earth, but do so as Muslims.
That's what they say Jesus is coming back to do
to reaffirm the Muslim faith. Now, one thing which shows
itself more than anything else is we cannot find peace
(24:31):
with one another. You know, a day does not go
by lately without news of Jews being murdered by godless
individuals who apparently profess death and murders their religion. I
don't know. Must be not a very pleasant thing to contemplate,
(24:52):
and does continually ask the question why can't we get
along with one another? There we could try to give
peace a chance, but the odds of that ever happening,
at least in the near term, seem very unlikely. Looking
through Christmas cards, many of them will declare peace on earth,
(25:17):
but those words seem empty. Now, how can there be
peace in a world ruled by hate? I bring this
up this morning basing it on the Christmas cards we're
receiving or have received. They're gonna convey one of several themes,
(25:39):
Nativity scenes of baby Jesus, the Wise men bringing gold
frankensense in mirror as gifts, or Santa Claus flying through
the sky on a cold winter night, pulled by reindeer
as he disperses his gifts. For many Christmases will indeed
(26:02):
be a happy day for others? Perhaps a lonely one, Yeah,
that's true, lonly one with only the memories of Christmas past.
And what does the Good Lord think when he looks
down on creation? Well, we should all remember Christmas celebrates
(26:25):
the birth of Christ. He came into the world to
pay for mankind sins on the Cross of Good Friday,
where his death reconciled sinful mankind back to God. Now
Jesus paid the penalty for every sin we as individuals
have ever committed. Jesus is part of the blessed Trinity,
(26:49):
father son and Holy Spirit. Mankind committed the sins. Jesus
died for those sins, and Christmas, of course, celebrates Jesus's birth.
Easter remembers his death, and Easter remembers his resurrection from
the death, so we know that he's coming back to
(27:10):
resurrect the dead, and that has reopened the gates of heaven.
So Christmas, of course, is a wonderful time. Why couldn't God,
though you know many have asked, just forgive the sins
of mankind. Well, he didn't do that, did he. He
did it because sin requires recompense. Got to pay for
(27:33):
those sins. It's the only way you can get rid
of them. So He took the sins of the world
upon himself, opened the gates of heaven, and paid the
price for you and me through Jesus. Christ. Also were
just a few days from the annual New Year celebration,
(27:54):
a time for many to make resolutions, changing their lives
to reflect the challenges of recreating themselves. It's hard to do,
but many can succeed, and in so doing, taking God's
gift to the eternal life as a gift freely gift.
(28:15):
We're told to live by the ten commandments that actually
Jesus sold us. If we love one another as ourselves
and love God with our whole hearts, we cannot break
the other commandments. I want to wish our listeners a
very very Christmas and a very happy New Year as
we move into I guess what we could call the
(28:37):
happiest time of the year. Then when this season passes,
we can take joy into living our lives as if
every day was Christmas. And as the song goes, what
a wonderful life that would be. We wish our listeners
the best for the holiday season, and much happiness to
(28:58):
the year ahead, and we'll be back. It's just a
bit more after these few messages, so don't go away.
Speaker 2 (29:07):
We're just trying to turn a nekel into a time.
That's the bottom line.
Speaker 1 (29:13):
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Speaker 6 (30:20):
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Speaker 2 (31:12):
We're just trying to turn a nickel into a dime.
That's the bottom line.
Speaker 9 (31:19):
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local area where we can talk to you face to
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here to Askset Growth Associates, that we can simplify your
investment life. And we've been doing so for decades now
(34:20):
with our clients. Four oh nine eight four oh sixty
nine one hundred. That's the phone number. If we're here
in Beaumont, Texas. If you live in a far away place,
toll free number is one eight six six seven to
eight three six nine seven. We can also be reached
(34:42):
online by logging on to Savemiretirement dot dot com and
learn more about where you can learn more about us
and the work that we do for our clients. And
our work with our clients is confidential private. So if
you're looking for a place to move some retirement funds
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and other investments that you can't lose. Market goes down,
your money stays put, why not call us for an appointment,
allow us to share ideas with you. You know, I've
heard this a thousand times over the years. Money isn't everything,
but it sure comes in handy sometimes and as you
(35:27):
get older, your needs don't necessarily go away. Be nice
to have a check coming in each month, or else
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so why not come on in visit with us. I'll
(36:33):
be the first to tell you there's no perfect plan,
but depending on individual needs, some are just better than others.
I think we all understand that, right, Some are just
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(36:58):
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(37:19):
consistently without exposure to losses brought about by downturns on
Wall Street. Because you know, we're going to always have that.
You're going to have up and downs. Some days are
going to go up, some days are going to go
down and then by the time they stretch it all out,
(37:40):
you might have done better just putting it for you
never had to take that buller coaster ride. Once again,
the journey of one thousand miles begins with the first step.
Take the time to give us a ring and will
help you simplify your life. The main thing I want
(38:01):
to do this morning is wish our listeners a very
merry Christmas and a very very happy New Year. Talk
to you soon.
Speaker 2 (38:12):
We're just trying to turn a nickel into a dime.
Speaker 4 (38:16):
That's the bottom line.
Speaker 6 (38:23):
Thank you for listening today to That's the bottom line.
All of our broadcasts are available on demand online at
savemiretirement dot com, or just go to your iHeartRadio app
and search for us under the podcast tab. You can
also follow us for all of the latest updates on
Facebook at Jeff Lewis. That's the bottom line. Our physical
address in Beaumont is at thirteen ninety one Calder Avenue,
(38:46):
a block from the intersection of MLK and Calder. Are
you ready for the upcoming income tax season. It's almost
that time, and our office is already taking appointments to
sort out your tax issues. Give us a call at
eight sixty six, save my retirement. That way, the IRS
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(39:08):
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know how to handle your money consistently, safely, and always
with your best interests in mine. I'm Jeff Lewis, from
my wife Alicia and my daughter Vivian for Geen Valerani
and everyone here at Asset Growth Associates. Merry Christmas and
remember that you are greatly blessed and highly favored, because
(41:18):
as always, that's the bottom line.
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registered investment advisor in the state of Texas.
Speaker 2 (01:02):
We're just trying to turn a nechel into a dime.
That's the bottom line.
Speaker 3 (01:14):
Welcome to real, honest talk about money, politics, news and
information you can actually use. Buckle up and hold on tight.
Speaker 2 (01:23):
This is that's the bottom line.
Speaker 4 (01:29):
The best thing in life up.
Speaker 3 (01:33):
But you can give them to the bath and.
Speaker 5 (01:35):
Be the That's.
Speaker 6 (01:51):
Good morning, everybody. This is that's the bottom line. I'm
your host, Jeff Lewis of ASSEK or the Associates, along
with Jean Ballerani. Thanks. We're spending part of this Christmas
season with us. We're taking a break from talking about
our top news stories today to talk about a different
kind of story, a story of redemption. Redemption has two components.
(02:13):
You regain possession of something or have it restored to you,
and in return, there's something you give up, an act
of sacrifice or payment or restitution. Twenty twenty five has
been a year of redemption for a lot of us,
and it can take a lot of forums. Politically speaking,
this year, we saw a kind of redemption when President
Trump took the oath of office a second time back
(02:33):
in January, completing the biggest political comeback in the history
of ever. But even though it might be heresy to
say it on this show, life isn't just about politics
or even about money. Relationships are really what matter in life.
Those we build with the people we love, our family,
and ultimately the relationship we have with our Creator. At
(02:55):
Christmas time, we tend to focus on those a little
bit more. We spend more time with family. Some of
us even go to church a little bit more than usual,
or pray a bit more. And each of us may
have different levels of faith, but all of us have
a story to tell. Families can be complicated. Not everyone
comes from what we call today a traditional home, and
for some of us, our home lives growing up might
(03:17):
sound more like a Gothic novel than a bedtime Christmas story.
You see, even the story of the Nativity itself is
one of sacrifice. It cost Mary and Joseph a lot
to be the blessed couple to raise the Messiah. It
cost a lot of Jewish families their own firstborn child
when King Herod ordered the Masacre of the Innocence. And
yet the very purpose of Jesus's life was to give
(03:40):
it up as atonement for the very sins that you
and I would commit these twenty centuries later. The Bible
teaches us that we are all born with the sin nature,
and I also believe in modern genetics validates this that
each of us has a hereditary propensity towards certain types
of behaviors. For some people it's alcoholism. For others, maybe
(04:00):
it's a lack of financial discipline, or a bad temper
or sexual sin. I think we all dealt with that
one at various times, it was. The Bible also teaches
that through Christ we can overcome all of these But
let's be real, just because a Christian is forgiven other
sins doesn't mean that a person won't still struggle deeply
with that issue for all their life. And like scripture says,
(04:23):
that same weakness can be passed down from generation to
generation like a vicious cycle that never ends. In my family,
we have a propensity to be bad fathers. My maternal
grandfather was a very smart man who was a programmer
for lunar missions back in the nineteen sixties and seventies,
the landings that some of y'all claim ever happened. But
(04:44):
like a lot of geniuses is new he went crazy,
you know, kind of like in the Game of Throne series,
how they say for the Targarian family at every birth
that God slip a coin to determine whether the kid
or not will crow it to be a lunatic. That's us.
He was smart, but he wasn't a good father, and
my mom suffered for that. The other side of the
family was even more dysfunctional. My paternal grandfather committed suicide
(05:08):
when my biological father, Milton, was just a child. That
affected the rest of his life. I talked about tempers before,
and Milton had one enough so that even to this day,
I am overly conscious of my own. Milton was physically abusive,
and my mom left them when I was still very young.
A few years later, he murdered his second wife, and
(05:28):
after failing to kill himself in the process, he spent
several years as a guest in the Washington State Penitentiary.
My mom remarried to yet another man who almost killed her,
and was divorced twice by the time I was seven.
I know this is pretty heavy stuff, but this is
where the redemption part comes in. You see, both my
parents would go on to turn their lives around. After
(05:50):
his release, Milton d made a deal with my mom
to stay out of our lives and let her raise
me on the promise that I could one day make
my own decision as to whether or not to have
her real lifelationship with him. My mom married a third
time when I was thirteen, a wonderful guy and named Mike,
who adopted me on my eighteenth birthday. This is its
own kind of special redemption of sorts. When I turned twenty,
(06:14):
I talked to Milton for the first time. We were
never close, I never called him my dad, But over
the years I came to respect that he actually did
care for me as his biological son, in a way
I never fully understood until I was faced with a
similar decision regarding my own child. You see, Milton atoned
for his behavior as a father by sacrificing his relationship
(06:37):
with me so that I could have a healthy family
life with my mom and my dad Mike. Over the years,
I've come to respect just what an enormous sacrifice he made. Sadly,
Milton died nearly eight years ago at age sixty one.
I spoke at his funeral. Now I said all that
to say this a moment ago, I said that I
(06:57):
faced a similar decision when my daughter was born. You
see these cycles coming back to haness, even when we
try our best to break them. In my case, years ago,
I was engaged to be married, and as these things happened,
we found out that we were pregnant shortly before the wedding,
but just three weeks before we were to be married,
she broke it off three months pregnant with my first
(07:20):
and what we've been now only child. Needless to say,
this devastated me. I hit the absolute lowest part of
my life. I had to be put on antidepressants and
I'm not gonna lie. I was borderline suicidal. The thought
of not being able to live my life with my child,
having the family I'd hoped for it was simply too
much for me. It was in this darkest hour that
(07:42):
God brought the greatest gift into my life that he's
ever given to me, my wife, Alicia. I went out
with her for the first time the very night I
was supposed to marry my ex fiance. Unknowingly, Felicia and
I got engaged the day after my daughter was born.
I suppose the Lord and I share a sense of irony,
but I had to make the hardest decision I've ever
(08:03):
made in my life. I could have thought for partial
custody of my daughter, but I didn't want to impose
on her the same situation that I grew up with,
churched between homes for my own sake. Instead, I allowed
her mother to raise her without my interference. My ex
fiancee's new husband soon adopted her, and I simply trusted
God that my little girl would grow up the better
(08:26):
for having been raised in a stable home environment, even
if it meant without me. I know some people would
disagree strongly with my decision. Even a few of our
closest friends still tell me as much. But I did
what I believed was in her best interest, not my own,
and I just trusted to God that I did the
right thing, and questioned it every day and prayed that
(08:47):
someday she might get curious to who her real father was,
and just maybe I could get to see her again
and tell her how much I love her. This summer,
I got a textile of the blue from my ex
fiance It read, your daughter wants to meet you. I
never knew how six words could so radically change your life.
(09:08):
I met Vivian for the first time just a couple
of months ago. She's twelve years old now, and I
swear the kid is like my clone, except she's absolutely
beautiful at leasta and I absolutely adore. We got to
have her over for Thanksgiving this year, and just the
other night we got to hear her sing a solo
in a Christmas concert at her school, and this week
(09:31):
I'm spending my very first Christmas with my little girl.
You see, God promises to never leave or forsake us.
He's a god of redemption and so much more. And
he's the reason I can tell my daughter this for
the very first time. Vivian, I love you and I'll
(09:52):
never leave you. We'll be right back with the news
for raight activists, stay with us.
Speaker 2 (09:58):
We're just trying to turn a neckle to a die.
That's the bottom line.
Speaker 1 (10:04):
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Speaker 3 (11:03):
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(11:46):
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nine hundred or by visiting Save my retirement dot com.
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Speaker 1 (12:09):
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Speaker 2 (13:39):
We're just trying to turn a nipplement to what time.
Speaker 4 (13:42):
That's the bottom line.
Speaker 6 (14:16):
We're back with. That's the bottom line. I'm Jeff Lewis.
So with this week being Christmas, like the rest of you,
we're all want to take some time off with family
and relax and get ready to hit the ground running
in twenty twenty six. So I think it's a good
idea to do a little bit of a year interview
and look back at how far we've come in twenty
twenty five. Economically, we've done quite well. The stock market
(14:39):
is setting new record highs, and that's just the tip
of the iceberg. More importantly, purchasing power is higher. Inflation
may be at three percent, and yes that's on top
of the record inflationary prices caused by the indept policy
of the Biden administration, but ways just have increased to offset it.
We're about one percent up in turns of real purchasing power,
(15:01):
which comes out to about twelve hundred dollars a year
of real income per family. We're not back to where
we were when Trump left offices in twenty and twenty one,
but it's a start. Even with the tariffs, which haven't
really had a serious economic impact yet. The problem is
households aren't feeling the improvement, and that's the subject of
(15:21):
this discussion between the administration's economic advisor, Kevin Hassett and
CBS's Margaret Brandan.
Speaker 7 (15:27):
Well, I think that the tariff evidence is mixed, But
the point is that we've got deficit going way way down.
So right now it's looking like the deficit for the
sheareral B six one hundred billion dollars lower than it
was last year. That really helps lower inflation. We've got
the trade deficit cut in half from last year, and
so all of these things are things that should continue
(15:49):
to move us towards the FED target of two percent.
Speaker 8 (15:52):
Companies aren't necessarily going to bring items down though, in
terms of pricing, right I mean, the President told the
Wall Street Journal he didn't know when all of this
money quote is going to kick in. I think he
was talking at business investment and tariffs and help voters.
All I can do is my job. When do you
anticipate voters will feel this positive impact?
Speaker 9 (16:13):
Right?
Speaker 7 (16:13):
Well, it's definitely the case that you guys have been
covered a lot that consumer sentiment right now is lower
than anyone would like. But you know, we find that
that very often happens during a garment shutdown.
Speaker 6 (16:24):
Whenever the love is really called.
Speaker 8 (16:26):
That the vibe session right. No, but the data is good, feel.
Speaker 7 (16:28):
Bad, Yeah, but what's going to happen? To know what's
going to happen, I'm not saying that. What I'm saying
is that people are going to see the high growth
growth is four percent. Income growth is up about twelve
hundred dollars this year. People look at their wallets and
see they're doing better, which is why we have the
biggest Black Friday ever and so on, and so I
think that that's more exesting to me the sediment will
catch up with the reality. Under Joe Biden. The fact
(16:51):
is that real preaching power drop by about three thousand
so far this year. It's up by about twelve hundred
dollars per family. And the money that we're talking about
is like real money. So for groceries, it went from
four hundred months to five hundred and twenty five a
month under Biden. So that's like an extra more than
thousand dollars a year you have to spend on groceries.
It's down this year for us for the grocery package,
(17:12):
but it's still got a lot of room to grow.
Speaker 6 (17:15):
Notice the points that has it is making. Cutting the
trade deficit by roughly six hundred billion dollars is going
to help bring down the rate of inflation. But more importantly,
it's going to help spur growth, which is already at
four percent. We keep telling you this on this show.
Prices aren't ever going to come down. You beate inflation
(17:36):
with higher growth rates, and that's exactly what Trump's achieved
this first year. Now, this rate of growth is despite
the efforts of the Federal Reserve, which cann't find its
way out of an empty room with a map of
flashlight and a pack of guide dogs. The Fed keeps
misreading the economya every turn, maybe because they want to,
but they simply embrace the elitist global trade policies last
(18:00):
few generations. They can't believe the economy is growing as
fast as it is, and they predict like half our
current rate of growth over the next few years. But
as Lary Cudlow explains here, not only as a three
and a half to four percent rate of growth, likely
Trump's trade policies are anti inflationary.
Speaker 10 (18:20):
Here's one easy way to look at GDP, which should
be growing at three to four percent rather than one
point eight Over the past three years, productivity output per
hour has grown by two point one percent yearly, and
by the way, that doesn't really include the enormous effects
(18:41):
of AI that are coming now. Second, labor force growth
over the same three years come to one point three
percent annually. Put two together, you get three point four
percent growth in real GDP. That's a wisely widely accepted
(19:02):
construct but AI could jump those numbers much higher. So
could mister Trump's basic platform of supply side tax cuts, deregulation,
drill baby drill, reciprocal fair trade. Mister Trump has a
very energy centric view of inflation, but he's right. Lower
(19:24):
energy prices permeate every nook and cranny of the economy.
That includes, by the way, food and groceries. So this
year oil has dropped from eighty dollars to sixty dollars
a barrel. That's a twenty five percent drop, and very
little of that has hit the CPI inflation index, but
(19:48):
it's coming, just like gasoline that's under three dollars a gallon.
Lower inflation adds to real GDP just like productivity and
supply side tax cuts. That means you can get to
four percent growth with less than two percent inflation.
Speaker 6 (20:08):
As Kozlo correctly points out here, Trump's efforts to bring
down prices are heavily focused on our energy policy, and
they're both right, because energy prices affect every single area
of the economy. We Texans already understand that one fuel
prices are kind of a force multiplier when it comes
through the economy. Last time I gassed up, it was
(20:29):
two fourteen at the pump. Y'all remember what it was
like under Biden with gas prices back under control. Now
that we have real leadership again, it's only a matter
of time before the inflation index responds behind. But in
the end, Americans also understand this point, America's industrial base
has eroded and it's got to be rebuilt. And that's
(20:50):
the strategic endgame of Trump's entire policy. The CEO of
and reil of Defense Manufacturer explains.
Speaker 11 (20:57):
And the idea was that in a globalized, piece full
world with no conflict, that moving the things that were
lower value to other people would result in a more
prosperous nation. And I think it worked for a little while.
For example, allowing China into the World Trade Organization was
a very profitable thing. For our country. It allowsus to
buy a lot of cheap stuff, some of it good,
some of it bad, definitely cheaper than it would have
been making in the United States. Reindustrialization is really about
(21:20):
recognizing that sometimes your own destiny doesn't have a value
that can be measured in dollars. If you rely on
your strongest geopolitical adversary for all the things that make
the American way of life possible, and if divorcing yourself
from them would radically lower quality of life for everyone
in your country, how are you ever going to negotiate
with them, how are you ever going to hold them
(21:41):
to account? So reindustrialization a lot of it is it's
about making a new decision to bring back these critically
important things, not because it's cheaper, not because it is
necessarily necessary economically, but because as a country, you need
these things in order to not just be a vassal
state to the people who actually.
Speaker 6 (21:58):
It's time we rebuilt American industry. We'll be right back
with Jean in a moment.
Speaker 2 (22:03):
We're just trying to turn a nickel into a dime.
That's the bottom line. We're just trying to turn a
nickel into a dime. That's the bottom line.
Speaker 9 (22:18):
Well, good morning everyone, Merry Christmas. This is Jeane Valerani
reporting and this morning I want to say a little
a few things about Christmas and the world that we
live in. You know, there's an old church song which
opens with the lyrics, let there be peace on earth,
(22:41):
and let it begin with me get there seems to
be no peace anywhere. It's getting pretty close to Christmas,
and as usual, as is the case in the days
that we're now living in, there's no such thing as peace,
one could actually, uh say. Now, most of the lack
(23:03):
of peace continues as different religions, all espousing a belief
in a supreme being, cannot find peace with one another
in this modern world, and yet all claim peace as
their desire. I think we all know that Jesus came
(23:24):
into the world and preached peace, and he was put
to death for it. The Muslims believe Jesus is returning
the same as Christians do, but the Muslims have another
a slight difference in what their belief is. The Muslims
believe Jesus will come to install the Muslim faith. They
(23:48):
consider him one of their prophets. It doesn't seem reasonable
to me. But that's right. It's part of the Muslim belief.
As I understand, Christians, for the most part, believe in
the second coming of Christ, and they're going to install
(24:08):
peace of peace on earth, but do so as Muslims.
That's what they say Jesus is coming back to do
to reaffirm the Muslim faith. Now, one thing which shows
itself more than anything else is we cannot find peace
(24:31):
with one another. You know, a day does not go
by lately without news of Jews being murdered by godless
individuals who apparently profess death and murders their religion. I
don't know. Must be not a very pleasant thing to contemplate,
(24:52):
and does continually ask the question why can't we get
along with one another? There we could try to give
peace a chance, but the odds of that ever happening,
at least in the near term, seem very unlikely. Looking
through Christmas cards, many of them will declare peace on earth,
(25:17):
but those words seem empty. Now, how can there be
peace in a world ruled by hate? I bring this
up this morning basing it on the Christmas cards we're
receiving or have received. They're gonna convey one of several themes,
(25:39):
Nativity scenes of baby Jesus, the Wise men bringing gold
frankensense in mirror as gifts, or Santa Claus flying through
the sky on a cold winter night, pulled by reindeer
as he disperses his gifts. For many Christmases will indeed
(26:02):
be a happy day for others? Perhaps a lonely one, Yeah,
that's true, lonly one with only the memories of Christmas past.
And what does the Good Lord think when he looks
down on creation? Well, we should all remember Christmas celebrates
(26:25):
the birth of Christ. He came into the world to
pay for mankind sins on the Cross of Good Friday,
where his death reconciled sinful mankind back to God. Now
Jesus paid the penalty for every sin we as individuals
have ever committed. Jesus is part of the blessed Trinity,
(26:49):
father son and Holy Spirit. Mankind committed the sins. Jesus
died for those sins, and Christmas, of course, celebrates Jesus's birth.
Easter remembers his death, and Easter remembers his resurrection from
the death, so we know that he's coming back to
(27:10):
resurrect the dead, and that has reopened the gates of heaven.
So Christmas, of course, is a wonderful time. Why couldn't God,
though you know many have asked, just forgive the sins
of mankind. Well, he didn't do that, did he. He
did it because sin requires recompense. Got to pay for
(27:33):
those sins. It's the only way you can get rid
of them. So He took the sins of the world
upon himself, opened the gates of heaven, and paid the
price for you and me through Jesus. Christ. Also were
just a few days from the annual New Year celebration,
(27:54):
a time for many to make resolutions, changing their lives
to reflect the challenges of recreating themselves. It's hard to do,
but many can succeed, and in so doing, taking God's
gift to the eternal life as a gift freely gift.
(28:15):
We're told to live by the ten commandments that actually
Jesus sold us. If we love one another as ourselves
and love God with our whole hearts, we cannot break
the other commandments. I want to wish our listeners a
very very Christmas and a very happy New Year as
we move into I guess what we could call the
(28:37):
happiest time of the year. Then when this season passes,
we can take joy into living our lives as if
every day was Christmas. And as the song goes, what
a wonderful life that would be. We wish our listeners
the best for the holiday season, and much happiness to
(28:58):
the year ahead, and we'll be back. It's just a
bit more after these few messages, so don't go away.
Speaker 2 (29:07):
We're just trying to turn a nekel into a time.
That's the bottom line.
Speaker 1 (29:13):
Visualize a future where your retirement income is completely tax free.
Most traditional retirement accounts come with a hidden partner, the irs,
But what if you could legally separate yourself from the
future tax hikes and keep more of what you've earned.
At Asset Growth Associates, we've developed the tax Free Future Calculator,
(29:36):
powered by our proprietary Achieving Alpha strategy. This powerful tool
shows you exactly how to transform your retirement savings into
a lifetime of tax free income. Picture more control, more growth,
and more money staying in your pocket, not Uncle Sam's.
You deserve a tax free future. Call four nine eight
(29:56):
four zero sixty nine hundred or visit Save my retirement
dot com to schedule a visit discover a tax free
future four h nine eight four zero sixty nine hundred.
Asset Growth Associates Wealth Advisors is a registered investment advisor
in the state of Texas.
Speaker 6 (30:20):
Are you tired of watching your investments rise and fall
with the market. What if you could have growth potential
without the risk of losing your hard earned money. This
is Jeff Lewis with Asset Growth Associates. If this sounds interesting,
then you need to ask us about a principal protection plan,
a smart financial solution designed to protect your money in
(30:40):
a down market while capturing market lenked returns while the
market goes up. No market losses, market leaked gains, peace
of mind, don't leave your future to chance. Call Asset
Growth Associates today at four zero nine eight four zero
sixty nine hundred to learn how to grow and protec
(31:00):
your wealth, protect what you've built, grow with confidence. Call
now four o nine eight four zero sixty nine hundred
or visitors at savemiretirement dot com.
Speaker 2 (31:12):
We're just trying to turn a nickel into a dime.
That's the bottom line.
Speaker 9 (31:19):
Welcome back, ladies and gentlemen you're listening to that's the
bottom line. You're weekly broadcast on KLVI. That tells it
like it is. You know, we have been telling you
our listeners for years that an Asset Growth Associates we
offer risk free investments plans index to the financial markets
(31:43):
for earnings, but without exposure to losses caused by a
downturn on Wall Street. Your dollars grow, but they never
shrink when Wall Street has a hiccup. As you've heard
me say time and time again, why risk your investment
nest egg? When you have the ability of no risk
(32:07):
investing and access to your money when you know when
you need it, you can grow your money without exposure
to losses. That's very important. When the market has a
downturn on Wall Street, your money stays right where it is.
Then when the market recovers, your money starts growing right
(32:30):
from where it left off. No no coming back for
lost time, no losses, And so that means that your
nest egg will actually build quicker and you'll get more
money out of the deal, probably in most cases. Here's
something else about these plans. They grow tax deferred, they're
(32:51):
available to a named beneficiary, They bypass probate proceeds, are
available in a lump sun or they can be paid
out in monthly income, so they're very liquid. They're not
complicated and can't provide security for investors and their loved ones.
(33:12):
So why not give us a call, sit down and
learn more, a face to face interview. All you have
to do is give us a call four oh nine
eight four oh sixty nine one hundred, or you can
call us toll free one eight sixty six seven two
eight three six nine seven. Now listen to me. These
(33:33):
plans are excellent for four to oh one K and
pension rollovers transfers, and we've been making we've been offering
these plans long before much of the financial services industry
also began offering them. And we're right here in the
(33:56):
local area where we can talk to you face to
face for anyone nearing retirement, are already retired at Askset
Growth Associates. I want you to tell I want to
tell you that if you come in and see us
here to Askset Growth Associates, that we can simplify your
investment life. And we've been doing so for decades now
(34:20):
with our clients. Four oh nine eight four oh sixty
nine one hundred. That's the phone number. If we're here
in Beaumont, Texas. If you live in a far away place,
toll free number is one eight six six seven to
eight three six nine seven. We can also be reached
(34:42):
online by logging on to Savemiretirement dot dot com and
learn more about where you can learn more about us
and the work that we do for our clients. And
our work with our clients is confidential private. So if
you're looking for a place to move some retirement funds
(35:06):
and other investments that you can't lose. Market goes down,
your money stays put, why not call us for an appointment,
allow us to share ideas with you. You know, I've
heard this a thousand times over the years. Money isn't everything,
but it sure comes in handy sometimes and as you
(35:27):
get older, your needs don't necessarily go away. Be nice
to have a check coming in each month, or else
have a lump sum that you can roll over into
a bank account or the money's liquid for you, or
just call us and say you need to pull some
money out. No more complicated than that. We can help
(35:50):
you grow your money and do it safely without exposing
it to losses, because that's what we do in asset growth.
This we grow your assets, and we do it without
exposing you to losses. Nothing wrong with that. Asset Growth
(36:11):
Associates and our name means what it says. We grow
next steaks, and we do it without risk of loss
caused by downturns on Wall Street. We've been doing it
now for decades. You've been listening to this show for decades,
so why not come on in visit with us. I'll
(36:33):
be the first to tell you there's no perfect plan,
but depending on individual needs, some are just better than others.
I think we all understand that, right, Some are just
better than others. So if you want to grow your
count without having losses and then without having to make
(36:58):
up losses from the market, spack, Hey, this is the
place to go. As the US economy grows and the
economy begins to recover, now's the time to look into
investment programs. It will help you and your family reach
its financial goals, whatever they may be, and do so
(37:19):
consistently without exposure to losses brought about by downturns on
Wall Street. Because you know, we're going to always have that.
You're going to have up and downs. Some days are
going to go up, some days are going to go
down and then by the time they stretch it all out,
(37:40):
you might have done better just putting it for you
never had to take that buller coaster ride. Once again,
the journey of one thousand miles begins with the first step.
Take the time to give us a ring and will
help you simplify your life. The main thing I want
(38:01):
to do this morning is wish our listeners a very
merry Christmas and a very very happy New Year. Talk
to you soon.
Speaker 2 (38:12):
We're just trying to turn a nickel into a dime.
Speaker 4 (38:16):
That's the bottom line.
Speaker 6 (38:23):
Thank you for listening today to That's the bottom line.
All of our broadcasts are available on demand online at
savemiretirement dot com, or just go to your iHeartRadio app
and search for us under the podcast tab. You can
also follow us for all of the latest updates on
Facebook at Jeff Lewis. That's the bottom line. Our physical
address in Beaumont is at thirteen ninety one Calder Avenue,
(38:46):
a block from the intersection of MLK and Calder. Are
you ready for the upcoming income tax season. It's almost
that time, and our office is already taking appointments to
sort out your tax issues. Give us a call at
eight sixty six, save my retirement. That way, the IRS
doesn't call you first. Would you like to avoid paying
(39:08):
taxes on your retirement income altogether, then maybe it's time
to get rockicized. By converting your traditional ira into a
raw ira, either all at once or over time, you
can pay taxes now instead of later. It makes more
sense to pay taxes on the seed rather than the crop.
Raw iras let you harvest your money tax free after
(39:30):
it's grown over the years. Schedule and employment with us
the seat if a conversion makes sense for you. If
you want a big, beautiful boost your portfolio, come talk
with us about our covered call ETF strategy. These exchange
traded funds base their values off of underlying positions and
big time companies like Apple and Microsoft, or even full
(39:52):
industry sectors like AI in tech. And even though these
companies don't pay much in the way of dividends themselves,
these funds do on a weekly basis, generating dependable income,
generally with less risk than many funds that just invest
in the overall market. You never want to give up
capital if you don't have to, so why not let
(40:14):
your money work for you. Our proprietary achieving alpha portfolio
builder can customize a plan based off of your income needs,
whether it's for your overall budget or even to protect
against rising medical costs. Now, as you get closer to retirement,
you generally get more interested in keeping your money safe.
(40:34):
If so, you're probably a good candidate for a principal
protection strategy where you can get market linked grace of
return with zero risk to your principle. We generally recommend
these as at least a portion of a diversified portfolio.
That's why people more than ever are choosing Asset Growth Associates.
We've got the experience and name you can trust. We
(40:56):
know how to handle your money consistently, safely, and always
with your best interests in mine. I'm Jeff Lewis, from
my wife Alicia and my daughter Vivian for Geen Valerani
and everyone here at Asset Growth Associates. Merry Christmas and
remember that you are greatly blessed and highly favored, because
(41:18):
as always, that's the bottom line.
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