July 29, 2025 • 44 mins
Listen in as host Steve Kuker, President of Senior Care Consulting, visits with Bruce Glenn, Senior Wealth Manager and President of Rally Wealth and Benefits. Bruce reviews highlights from the One Big Beautiful Bill including energy and taxes as well as economic and portfolio considerations. Steve reviews what you should know when searching for a long term care community. And, if you are faced with having to make a quick placement decision when being discharged from a hospital, Steve discusses how Senior Care Consulting can help with their 2-step placement process! #SeniorCare #SeniorCareLive #SeniorCareConsulting #SeniorLiving #KansasCitySeniorCare #SeniorCarePlacement #SeniorCareAdvisor #Franchise #SeniorCareFranchise #Fiduciary(800) 331-6445
www.SeniorCareLive.com
www.facebook.com/SeniorCareLive
www.linkedin.com/in/stevekuker
www.twitter.com/SeniorCareLive
www.SeniorCareConsulting.com
www.SeniorCareLive.com
www.facebook.com/SeniorCareLive
www.linkedin.com/in/stevekuker
www.twitter.com/SeniorCareLive
www.SeniorCareConsulting.com
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education and resources
for seniors and their caregivers. And now America's senior care consultant,
Steve Keecker.
Speaker 2 (00:24):
Hello and welcome to Senior Care Live. I'm Steve Keeker,
your senior care consultant, and I really appreciate you tuning
in today and we have a wonderful program on tap
with my friend and special guest in studio. He is
mister Bruce Glenn, the senior Wealth Manager and President of
Rally Wealth and Benefits. And Bruce, welcome back to Senior
(00:45):
Care Live.
Speaker 3 (00:46):
Thanks Steve, good to be here as always.
Speaker 2 (00:48):
All right, So, if you want to reach out to
Bruce Glenn and the fantastic team at RALLY Wealth and Benefits,
here's the phone number in the Kansas City area nine
one three three zero eight zero two seven seven. And
guess what, Rally has clients and businesses all around the
country that they do business with and help out. So
(01:09):
the toll free number nationwide eight eight eight two four
one two three six y one. Of course you could
go online at their fantastic website rallywb dot com. And Bruce,
I'm really looking forward to this one. We're going to
be talking about a little something that happened in Congress recently, right.
Speaker 3 (01:28):
Right right, the One Big Beautiful Bill Act. Yeah, and
I know it's over one thousand pages of legislation that
I'm gonna uncover in about ten minutes.
Speaker 4 (01:37):
There we go. Hey, all right, Hey, that's perfect.
Speaker 3 (01:40):
The rabbit Hole will not be very deep on any topic,
but we'll try and give you a good overview.
Speaker 4 (01:44):
Yeah.
Speaker 2 (01:44):
Well, you know what, I think it's important because frankly,
this stuff gets politicized on both sides of the aisle.
And I love the fact that we're just going to
be talking about some of the highlights on here, but
it may be information that a lot of people haven't
heard of.
Speaker 3 (01:58):
Frankly, So well, there is a lot of misinformation out
there on it, and there's a lot of political divisiveness
over it. Yeah, because it barely passed the House by
one vote, and then it fast tracked through the Senate.
Then President Trump signed July fourth, So it's it's been
a big undertaking, you know, all year.
Speaker 2 (02:16):
Yeah, absolutely, So let's go ahead and jump into our
first bullet point here.
Speaker 3 (02:22):
Yeah. So yeah, first of all, we're I'm gonna touch
a little bit on taxes on how it affects businesses,
our energy policy. You'll probably drill down on that a
little bit more because that was the part I covered
on our webinar yesterday. Which is kind of funny. I
saw on the webinar It's like, well, gee, this webinar
I better put a jacket on versus radio show. I
can wear my T.
Speaker 4 (02:40):
Shirt right, That's right. You don't even have to comb
your hair anything.
Speaker 3 (02:44):
There's some touches on healthcare and you know, foreign exposure
to some of our sensitive areas. And then there's also
some touch there on the assault the State and Local
Tax Act that got capped out a few years ago.
They've they've made an adjustment on that things. I'll just
start right there. The cap was ten thousand on the
(03:04):
previous assault tax. The new OBBBA has raised it to
forty thousand on that. So that's going to be a
little bit more tax planning. And backing up to what
you said about the website and our team, I like
to remind everybody that we also have in house CPA
tax planning. We have a state planning, we have group
Health and Vision along with our four to one K practice,
(03:27):
our five twenty nine and our private wealth management, and
then we have experts on property and casually insurance yourself
with senior care and Medicare supplements and drug plans and
advantaged plans. So really anything that somebody needs from financial nature,
we have it all under one roof. So anything that
you know, don't just say, well, I don't need to
talk about wealth, and you may have another problem or
issue you want to talk about.
Speaker 2 (03:46):
Absolutely, and you've created a very broad, diverse team with
a lot of specialists available to help you know all
of your clients in one in one area or another.
So yeah, you've done a really great job with that.
Speaker 3 (04:00):
So yeah, thank you. I appreciate that. So let's talk
about the energy. And at first, all I have to
start off by saying, this is not a political statement.
I just want to try and cover the black and
the white and the cause and the effects of what's
going on Washington, DC when it comes to our energy.
And one thing that is nice is I think the
whole country is unified behind the fact that we want
to have good, clean pollution free as much as possible
(04:25):
energy the whole way across. The difference really is that,
you know, one side of the political aisle is you know,
pushing hard for clean renewables with wind, solar, geo battery
storage and kind of at the expense of what we've
been using for the last you know, one hundred hundred
fifty years on the fossil fuels. And then the other
(04:45):
side of the political aisle is like, hey, we're not
to where we can afford to go nothing but clean
because it break our economy. We're in all of the
above camp right now, but we would all like to
see in thirty forty fifty years be totally clean renewable resources.
We're just is just a matter of timing.
Speaker 4 (05:03):
I think most reasonable people think that way.
Speaker 3 (05:05):
Yeah, I think so too, But again I'm trying to
try to not get political, but but I think we
all want to eventually get to where, you know, if
the wind and the solar would cover everything or hydro.
Speaker 4 (05:15):
Great, that'd be awesome. Yeah, it's just not there yet.
Speaker 3 (05:18):
No, And so the energy pieces to this. Basically, President
Trump is trying to stop the government from taking political sides.
So the last couple of administrations gave a ton of
tax credits and deductions to new energy resources, clean energy
(05:39):
resources at the expense of the taxpayers and trying to
push that. And then they also had put some road
bumps and additional regulations against like coal for example. Fact,
it's one of our political candidates a few years back,
one of the totally closed down the coal industry, you know,
So that's not smart. And then of course we've you know,
four years ago, we shut down some main pipelines that cause.
(06:04):
And so right now where we're sitting at we're paying
about a buck twenty a gallon more for gas than
we did you know, two twenty nineteen, twenty twenty, and
of course fuel. And the reason I get so excited
about it because from the stock market standpoint, investments in
our clients fuel, you know, is the problem with inflation.
I mean, fuel flows through everything that we touched by
(06:27):
single right, and so when you're paying about twenty a gallon,
which is you know what forty percent higher than it
used to be, that means that's a direct flow to
you know, our grocery stores and everything else that we're doing.
So that's why this is so important. But anyway, so
the new bill, what they've done is they're phasing out
a lot of these tax credits and deductions to the
(06:49):
clean energies, and they're also reducing some of the regulatory
environment that's been you know of trouble to coal and
to getting refineries expanded and more up to date, and
pipelines and you know, things like that. So those are
really really important.
Speaker 2 (07:04):
And I've always been a fan of and there's nothing
wrong with governmental you know, subsidies to try to kickstart
some of these technologies and that sort of thing. But
I am a huge fan of let the private market
develop that and turn it into something that is affordable
and replicatable around the country, and let the private market
(07:27):
do that. I think the private market will do a
much better job than the government trying to insert itself
into that effort.
Speaker 3 (07:32):
Yeah, I agree on a whole on that. You know,
there are certain circumstances. You go back through a history,
and there are some many issues that really needed to
happen that wouldn't happen if government hadn't stepped in and
sure get it started. But I'm not a big fan
of the government putting the finger on the scales of
balance for very long, you know, if at all. So
I agree. You know, one thing that's kind of funny
about the you know, again, it such a political topic
(07:54):
and depending on what news channel you get your sources from,
you know, some of them are even though reports we've
seen earlier where it's on this OBBBA program is that, oh,
this is going to be catastrophic to jobs, blah blah
blah blah. Well, you know the reality of it is
it will reduce jobs probably in these ones that were
taxed subsidized solar when GEO these type areas. But if
(08:15):
you think about it, if they deregulate or reduce regulations
and problems with coal and you know, fossil fuels and
pipelines and all that, that'll get those jobs going again.
Speaker 4 (08:25):
Correct.
Speaker 3 (08:25):
So I don't see it as a net loss of jobs.
I see as a shifting in Our economy is always
shifting to whatever the next new thing is. So I
don't really see the jobs as being a problem here,
although you're going to hear that scare mongering from a
lot of the news outlets out.
Speaker 2 (08:38):
There, and that's the politicization, right of these all these topics,
and it kind of drives me crazy.
Speaker 3 (08:45):
Frankly, so, yeah, yeah, So the one biggest thing that
came from this, and our viewing and listening audience probably
isn't going to really see the effect from this, but
they would have seen it if it didn't get done.
So President Trump and his first administration and acted a
major tax reform and tax cut that was scheduled to
sunset this year. If it was allowed to sunset, the
(09:10):
average Americans federal tax piece of their paycheck would have
gone up by twenty two point four percent out That
could have very easily thrown us into a recession. Yep.
I'm not saying recession is unavoidable or that this is
going to keep us from getting into a recession at
some point, but that would have been a real big problem.
If all of a sudden, your paycheck is down by
(09:32):
you know, in some cases one hundreds of dollars per payroll,
that's money not going into the economy. That could have
thrown us into a recession pretty easily. So that was
one of the best things about this, in my opinion,
is they extended these may made those tax cuts permanent,
so really important.
Speaker 2 (09:48):
All right, If this is catching your attention, if you
have questions about this. If you'd like to reach out
to Bruce and his excellent team at Rally Wealth and Benefits,
give him a call nine to one three three zero
eight zero two seven seven toll free eight eight eight
two four one two three six' one online AT rallywb dot.
Com And i'll tell you, What, BRUCE i think there
(10:12):
are a lot of listeners out there that are just
just unaware of some of The just like you, said
we're going to keep this black and white in just the,
facts and uh, yeah it's very much. Appreciated So bruce
will pick that. Up on the other, side let's not
forget about The Senior Care live question of the. Week
because of the one big beautiful, BILL i don't have
(10:35):
to pay taxes On Social security. Anymore is that statement
true or? False what do you?
Speaker 1 (10:42):
Think you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information Visit Seniorcare live dot.
Com we'll have more With steve coming up. NEXT a
Recent internet search for nursing homes In Kansas city provided
(11:05):
thirty two million. Results it's daunting to think that there
are over three hundred and fifty senior care communities to
choose from in The Kansas city metro and on average
you'll spend fifty to one hundred hours trying to find
a place for your loved. One if this sounds, overwhelming
that's because it. IS i invite you to reach out
To Senior Care. Consulting we've been serving family since two
(11:27):
thousand and. Two with our premium, service we do most
of the work for.
Speaker 3 (11:31):
You you'll spend.
Speaker 1 (11:33):
Just a few hours of your time finding the best place,
available and you can trust us to be objective because
we don't receive reimbursement from any. Provider we work for.
You to learn, more Call Senior Care consulting at nine
three nine four five twenty eight hundred three nine four
five twenty eight, hundred a placement service with integrity At
(11:56):
seniorcareconsulting dot.
Speaker 4 (11:57):
Com welcome.
Speaker 2 (12:04):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information visit Seniorcare live dot.
Com now back to The Senior Care Live question of the.
Week because of the one big Beautiful, BILL i don't
have to pay taxes On Social security. Anymore is that
statement true or? False and the answer is? False the
(12:32):
answer is. False In, bruce why is that statement?
Speaker 3 (12:36):
False, Right so in some cases some people will virtually
not pay taxes On Social security because what they've done
basically is is that you did have a standard deduction
one thousand for single and two thousand for joint, filing
but they've increased that by six thousand dollars on the sanitary.
Deduction so that may knock some people out of having
(12:57):
to pay tax on The Social security or their overall tax.
Bill the estimate is somewhere around sixty percent of the
people that are on solid security that this will help
them to a great. Degree so, okay maybe maybe eliminate
that tax.
Speaker 2 (13:09):
Altogether, yeah all, right we're speaking With Bruce. Glenn he
is an expert and all matters. Financial he's a senior
wealth manager and president Of Rally wealth And benefits In
Kansas city nine to one three three zero eight zero
two seven. Seven toll free is eight eight eight two
four one two three sixty one and online AT rallywb dot.
(13:32):
Com And, bruce let's continue our conversation on the one
big beautiful.
Speaker 4 (13:37):
Bill very.
Speaker 3 (13:38):
Good So i'm going to kind of just roll through some,
other you, know bullet POINTS i feel like are kind
of the some of the bigger ones that are in the.
Bill and again the details are still kind of unwinding
out of, this and there may be some challenges to
some of. It and, yeah, Yeah washington D c is you. Know,
Yeah but, anyway so just kind of touch. AGAIN i
already mentioned this, earlier but the salt. TAX i think
(13:58):
this is one of the two most important items for
our listing, audience is that that that state and local
tax cap of ten thousand that was implemented probably what eight,
ten twelve years ago is now raised to forty. Thousand
so that's going to mean from a tax playing, standpoint
itemization a lot of people went to just using standard.
(14:19):
Deduction now the reason to itemize may increase for quite
a few people right, there.
Speaker 4 (14:24):
Because that's going to raise the taxes a little.
Speaker 3 (14:25):
Bit with, this, well it gives you the ability to
deduct more of your interests and property taxes beyond that
ten thousand, Limitsky, yeah which you, know caps a lot
of people. Out and then you just you, know what
used to be deductible, wasn't so now a lot of
that will become deductible, again which. Helps so this is.
Interesting so again Again President trump's you, know Pro america In. America,
(14:46):
first this is a good example of. That so there's
a Car loan interest deduction in the bill of up
to ten thousand dollars on interest if it's A us built.
Car now the real question, is, well what is A
us built? Car so we, right so we believe it's
it's designed to be cars that are completed in THE.
Us so they could be assembled at THE uh maybe
(15:08):
A nissan In tennessee Or kia where you, KNOW i
don't know where all the different plants, are different. CARS
i Know NISSAN'S i run through one of. Those it's
a huge In mississippi on drive through that Wherea but,
anyway that's the point there is is that there will
be an incentive to Buy american on the car. Front and, then,
uh you, know charity AND i like this a. Lot
(15:28):
so charity really took a back seat after some of
this uh previous tax reform bill or inflation whatever they
call that bill. Did but there you, know now there's
they're going to implement where charity you can you can
do your you, know one thousand and two thousand joint
starting in twenty twenty, six and there's no income phase
(15:51):
out for. It so that's going to help churches non
for profits quite a. Bit And i'm not really getting
all the way into that, one but there is a
lot of advantage to charity that this bill helps out,
with Which i'm glad to see that as. Well the
estate plan so this is kind of like the taxes
that we're going to expire and would have gone way
up the estate planning or state taxes we're going to expire,
(16:12):
Also and so this extends the fifteen million and the
thirty million for you, know, couples for the you, know
very few people to fit into that, category but there's
a lot of people that fit in at some point
that would because it would have gone BACK i, think
to hold me to, THIS i think would have gone
back down like six hundred thousand. Dollars anything above that
would have been subject, tax which is, crazy, Right, Yeah
(16:32):
and so most people would have fallen into that, situation
just your, home and so that that's going to make
make that a lot better for families to be able
to keep their wealth and their generations to. Come categories like.
That there's also a Newborn The United states is going
to give parents with a newborn a deposit into a
(16:54):
savings account and then the parents can put some money
with that, Also so they're trying to avis birth Rate
AND i know it sounds kind of, silly but thinking About,
china you, Know china has this big goal of becoming
the number one economic engine in the. World, Well china
has a big. Problem their birth rates are very very,
low and they've got you, know a, lot a lot
(17:17):
smaller population base of younger people supporting the older, people
and that that's a trickle down effect that gets worse
and worse and worse if you've got a big disruption
in your population. Base and we've had slowing population numbers,
also so they're trying to incentivize that or at least
make it a little bit easier for new.
Speaker 2 (17:34):
Parents and they're also incentivizing starting to save on behalf
of your newborn child from day, one and that that
pays off in uh in buckets later, on you, know
for you, know saving for college or you, know your
first home or whatever it might be once that child has.
Speaker 3 (17:50):
Grown so, yeah absolutely, so and then there's another one
of these. Things so this is kind of a funny
thing that a lot of our clients and a lot
of people try and walk a fine. Line if they
were hire before sixty five and you've got The obamacare
available to, you there's different levels of tax credits that
go towards them getting their premiums on the health insurance
(18:13):
to a low manageable, level and they have to have
a certain level of, income and the government offsets a
lot of the. Cost so that's actually going to stop
in twenty twenty. Six so the game of playing that
is going to come to an, end fortunately or, UNFORTUNATELY
i guess fortunately from a tax standpoint for the, government
(18:34):
but unfortunately for folks are in that situation where they
want to retire early And cobra only carries you so,
far and then now you've got a problem like how
DO i get my health? Insurance and then if it
costs you the full cost of, it that could hurt
a lot of people in that.
Speaker 2 (18:47):
Regard And cobra is pretty expensive because even for that
period of, time you're paying the full freight on that
health insurance and your company is no longer subsidizing. That so,
yeah it gets really expensive all of a. Sudden it
should be part of what is calculated into that decision
of retiring.
Speaker 3 (19:05):
Early so, yeah one hundred percent and so one other
potential effect from THE obba is that we could take
on some extra debt in the short term because some
of these tax cuts are going to kick in until
some of, that you, know the trickle down effect kind
of broadens the tax, Base so the bond market could
see some effect by. That so we're kind of watching
(19:26):
that carefully and we'll see where we take effect on.
That are what we. Do you, know we're kind of
taking the short end of the duration on bonds just
to try and minimize The federal reserve tax or the interest,
adjustments and we'll see what this tax does as. Well
so we're going to keep pretty tight on our bond.
Rates and then so just kind of a, reminder DURING,
(19:48):
covid we got up to about one hundred and thirty
percent OF gdp on our. Debt it's reduced a little
bit down to abou one hundred and twenty percent on our,
debt but we're, still you, know a debt, orination so
we need to get this further in. CONTROL i think
the overall bill will improve that in the long, run
but you, know the short, term maybe a little bit
of pain with, it.
Speaker 2 (20:06):
All, right he is Mister Bruce. Glenn he's the Senior
Wealth manager and president Of Rally wealth And benefits In
Kansas city nine one three three zero eight zero two
seven seven or toll free eight eight eight two four
one two three sixty one online AT rallywb dot. Com And,
(20:27):
bruce thanks so much for taking time to give us
a really nice overview of some of the highlights of
the One Big Beautiful.
Speaker 4 (20:34):
Bill you did a beautiful.
Speaker 3 (20:36):
Job it's a beautiful, day, baby.
Speaker 1 (20:40):
All.
Speaker 4 (20:40):
Right we'll have more coming up.
Speaker 3 (20:41):
Next. Thanks.
Speaker 1 (20:42):
Steve you're listening To Senior Care live on The Senior
Care Broadcasting. Network have a, question Visit Seniorcare live dot.
Com stick. Around we'll have more With steve coming up.
Speaker 5 (20:53):
Next, hello this Is Steve, Keeker president Of Senior Care.
Consulting i'm so excited to announce that we are expanding
nationwide by Awarding Senior Care consulting. Franchises we help our
clients find the right senior care, community including assistant, living memory,
(21:17):
care long term, care and continuing care retirement. Communities we
are not another run of the, mill free referral. Service
we're very. Different we offer replacement service with. Integrity owning
a senior care consulting franchise offers many. Benefits our market
is not affected by the. Economy operate from your home
(21:37):
office and enjoy work life. Balance pour your passion into
a business you can be proud. Of for more information
about owning a senior care consulting, franchise call eight three
three seven two two three seven two six eight three
three seven two two three seven two six or Visit
seniorcareconsulting dot.
Speaker 4 (21:58):
Com welcome.
Speaker 2 (22:06):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network for podcast of the, program Visit Seniorcare
live dot com or wherever you get your. Podcasts All,
right So i've been talking to quite a few folks here.
Recently they're going to be searching for a long term
(22:27):
care community also known as a nursing. Home now that's
a bad word in the in the. Business they don't
they don't like the nursing home word or term because
that comes with a lot of. Baggage AND i would
remind the industry that that's baggage well. Earned BUT i
(22:51):
will also give major credit to kind of taking care of.
Speaker 4 (22:55):
That and you don't see.
Speaker 2 (22:59):
Anything anything today like we used to see back in
the day when it had very bad connotation and where
all the baggage came. From so, anyway much, much much,
improved much better now not even. Close so if you're
going to be searching for a long term care, community
(23:19):
this is the highest level of care that is. Available
and what does that. MEAN i refer to it as
the medical. Model so they can they can help you
in all the ways that an assisted living level of
care or an assisted living community can help with your, bathing, dressing, grooming,
(23:41):
toileting and continent, support medication, management making all the meals for,
you you, know all those sort of, things plus medical
needs such as wound care such as pain, management urinary
that are, care feeding, tubes diabetic management with insulin, injections
(24:07):
very heavy personal. Care so if someone is just not
able to help themselves and it takes two staff or
maybe even a mechanical lift to help a person from
POINT a to POINT, b maybe someone And god bless
them if they're maybe even bedridden at that point because
they just need so much care and they're not able
(24:28):
to get up and get. Around that, heavy heavy personal
care is also provided along with all of the medical,
needs so that's when you would need long term care
and also you, know many many times the resident will
have cognitive, issues cognitive, impairment and they can help out
(24:52):
with that to a. Point, now if the long term
care community has a memory care neighborhood or memory care
portion of the, community then they can they can help
you with all of those medical needs as well as
your cognitive needs and address the issue of potential elopement
or wandering away from the from the the building or the,
(25:15):
community as well as you, know, overstimulation all the other
things that memory care would. Address you can have memory
care at the long term care, level and you can
have just WHAT i term is just general, care just
good old fashioned, general everyday. Care so, again it's that medical.
(25:37):
Model it's the highest level, available and it's also the most,
expensive and there's more staffing and long term care relative
to assists of living or residential care or or or home,
plus although home plus has really good staffing.
Speaker 4 (25:53):
Levels actually we're.
Speaker 2 (25:55):
Gonna have a lot more r, ns a lot more,
LPNs and just generally overall more staffing because guess, what
the residents need more. Help so that just makes. Sense
so on the pricing, model, okay it's a daily. Rate
at this, point you're just you're paying a daily. Rate
(26:17):
it's not you, know a thirty day month by month
like most assistant living. Communities it's a monthly charge OF x.
Dollars so in long term care you have a daily.
Rate and then there are two types of. Rooms so
you have a shared room where you can have a,
roommate and then you're going to have a private, room
(26:40):
which really comes at a. Premium, see by the time
you need and make it to that long term care,
level it's mostly about the care that you receive and
not much about your personal space at that. Point now
(27:00):
you can use a lot of the other spaces and
areas within the. Community and then your room is really
more of kind of a bedroom type of a setup
where you would of course sleep, overnight take, naps et,
cetera et, cetera hang, out read a. Book you can
stay in there as much as you'd, like but the
idea is for that to be more of a bedroom
(27:21):
type of a, setup and then you would use other
parts of the building throughout the day for other needs
and other. Purposes so for that shared, room you have a. Roommate,
okay in the in The, midwest AND i think these these,
NUMBERS i think are pretty applicable for most parts of the.
Speaker 4 (27:42):
Country you're going to be.
Speaker 2 (27:44):
Anywhere from you, know two seventy five two eighty ish
per day up to you, know maybe three hundred a,
day three thirty a, day three forty a day right in.
There and then the private room again just comes at a.
Premium your private room is going to be maybe three
(28:07):
point fifty to maybe upwards of about five hundred dollars a.
Day take that times thirty and you're, like, wow don't
wreck your, car don't spit out your coffee if you're
listening to this in the. Morning so it's, uh it.
Is it's very. Expensive, Now i'm asked all the. Time,
(28:30):
now isn't there a buy in when you move into
long term? Care, no absolutely. Not it's a daily. Rate,
now typically they would want you to pay for that
thirty to thirty, days you, know, upfront on the on
the first day of the, month so you're writing a
check for nine to fifteen thousand. Dollars if for some
(28:54):
reason you should choose to move during the middle of the,
month or if you should pass, wait or for any
other reason that you're not there in the, building they
would pro rate. That and if you, had you, know
fifteen days at three hundred dollars a, day they're going
to send you a check for what is that four
(29:15):
and four five hundred, dollars, Right so that's that that's
how that. Works but the rate is a daily. Charge
there is no buy, in there is no entrance, fee
there is not a community.
Speaker 4 (29:28):
Fee at this. Level you just move, in receive.
Speaker 2 (29:33):
Care and there's always a, huge huge question AND i
address this all the time with my clients With Senior Care.
CONSULTING i asked the very good question of is there
a chance that you might outlive your? Assets and more
(29:58):
often than, not the answer, is, well, yeah there is a.
CHANCE i, mean we don't know how long we're going to.
Live we have x, dollars we have our income OF
x dollars a, month we have these other assets that are.
Available we're getting ready to sell our house and that's
going to add to our asset. Base so we could
do some basic math and figure out that their, assets
(30:19):
along with their, income would pay, for for, example a
shared room for the next forty eight, months sixty, months two,
months whatever the number. Is What we'll do the math
and we can get you pretty. Close as an. Estimate
but what happens if you should outlive your, assets then
(30:40):
what we're going to have to do at that point
is make sure then to Discuss. Medicaid at that, point
you're going to need to qualify From. Medicaid AND i
like to refer To medicaid as the safety. Net that,
says if you should outlive your assets and you require
care at that long term care, level then The medicaid
(31:02):
program that they've got you, covered that's your safety. Net
they will end up, paying ultimately pay the majority of
your monthly cost each and every month once you. Qualify
so that's that's pretty.
Speaker 4 (31:15):
Incredible.
Speaker 2 (31:16):
NOW i have received over the years all kinds of
calls from people, saying we moved into this place and
we thought we were in good, shape and and we, figured,
well if we run out of, money you, know we're
going to get That medicare thing or that whatever that
thing is, called and and we're good to. Go and
then we find out that the long term care community
we're living in they don't work With. Medicaid SO i
(31:38):
guess we're going to have to. Move can you help?
Us because we obviously didn't get this one right the first?
Time AND i and AND i even Had i've even
had some people, say don't tell. Me if we would
have worked with you in the first, place this wouldn't be.
Happening AND i, said, WELL i hate to say, it
but it's, true it wouldn't have. Happened it Was Senior.
(32:00):
Consulting i'm a meticulous, planner and we plan for all
of the potential, scenarios including what happens if you should
run out of. Money and most people are, like, well
we wouldn't want to, Move we would want to stay,
there in age in, place and that's, yes of, course
so we will plan for. That Senior Care consulting will
(32:23):
not let you make a. Mistake if that's resonating with,
you maybe you're in a place and you have some
questions and you're, like maybe we need to look at our.
Options give me a call at nine, one, three nine
four five twenty eight hundred and let's talk about. That
i'm going to have a whole lot more About medicaid coming.
Speaker 1 (32:40):
Up you're listening To Senior Care live on The Senior
Care Broadcasting. Network to Contact steve or a guest of his,
show this Is Seniorcare live dot.
Speaker 4 (32:49):
Com we'll have more coming.
Speaker 2 (32:51):
Up so you've been living independently at, home but now
it's not working. Out it's time to begin searching for
a senior care. Community but with hundreds of independent, living assisted,
living long term, care and memory care, options how are
(33:15):
you supposed to determine the best place for?
Speaker 3 (33:17):
You?
Speaker 2 (33:17):
Hello I'm Steve, keeker and this is exactly WHY i
created my, Firm Senior Care. CONSULTING i help my own
grandparents through this difficult, process SO i know how overwhelming
this can. Be our business model ensures credibility and. Objectivity
we work directly for you and we never receive reimbursement
(33:37):
from any. Provider we've helped hundreds of family since two
thousand and, two and we can help you and your
family as. Well call today for a free consultation at
nine one three nine four five twenty eight hundred nine
one three nine four five twenty eight hundred a placement
service with integrity At seniorcareconsulting dot.
Speaker 4 (33:59):
Com welcome.
Speaker 2 (34:08):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network have a question visit Seniorcare live dot.
Com all, right so you're looking at moving to a
long term care. Community we talked about what it, is
what it, provides the, cost and then we are addressing
(34:32):
the question of what happens if you're living in long
term care and you outlive your.
Speaker 4 (34:36):
Assets it's a huge.
Speaker 2 (34:38):
Question and trust, ME i get calls all the time
from families who they were not aware of exactly how
all this stuff. Works and there, was you, know a good.
Salesperson they forgot to mention things and the family didn't
(34:59):
know to ask certain, things and then they're now they're
in a they're in a, pickle they're in a. PREDICAMENT
i get calls all the. Time, see they said that
my dad could live, here you, know for the rest
of his, life and now he's going to have to
move because he's out of. Money AND i thought they
would build that medicare that medicaid thing and do they
(35:21):
lie to? Me And i'm, like, no leave me out of.
THAT i wasn't. There but here's here's the bottom. Line
is you're in a private pay only a, community or
maybe they have an unwritten policy of you have to
be able to privately pay for your own care for twelve,
(35:42):
months eighteen, months twenty four, months could even be longer than,
that and maybe you weren't aware of that or whatever
the situation. Is but the bottom line is you're out of,
money you're gonna have to. Move And i've helped lots
and lots of People i've turned around very. Quickly i've
helped them get out of kind of a bind if you,
will or a, jam if you, will and help them
(36:02):
move to another community where it worked out just wonderfully
and they were able to qualify For. Medicaid and we'll
just kind of move on past this whole. Thing So medicaid,
again is that safety net that, says if you should
outlive your assets and if you should need care at
the long term care, level we'll pay for the majority of.
It so here's how that. Works what you're going to
(36:25):
do is you're going And i'm just going to go
on a just a quick, overview and then here in
the near, FUTURE i have a couple of different elder
law attorneys That i'll have on the show And i'll
have them explain it better THAN i. Can but let
me give you the basic overview. Here so this program
is designed to help pay the majority of your care
(36:49):
when you're almost out of.
Speaker 4 (36:50):
Money that's what it's.
Speaker 2 (36:53):
For so to get there and figure out how to
qualify for. It you have exempt assets and you have countable.
Assets so your exempt. Asset your house is exempt for.
Now there's a lot more to that, story but your.
House you don't have to sell your house or somebody
(37:13):
said we have to sign over mom's house to Get,
no you don't, know you don't have to do. That
i've heard that about a thousand. TIMES i, think, no
you don't have to do. That the house is exempt for.
Now take care of mom that we'll deal with the house.
Later you can have a, car you can have an
investment in a prepaid funeral, plan which is a great.
(37:34):
Idea you can have a small amount of cash value
and a small life insurance. Policy and then all your household,
goods all the stuff in your. House those things are.
Exempt you don't have to worry about. That you don't
have to sell. Them you don't have to just don't
worry about. That the accountable assets almost everything. Else so
just think liquid, assets checking, savings money market mutual, FUND,
(37:57):
CDs four one k's, iras all this. Stuff, okay those
are countable. Assets now each state could have slightly different. Rules,
okay so for, Example i'm broadcasting from our flagship, station
and we're we're right here In Kansas. City So Kansas
(38:19):
city straddles a state, line so or part of it's In,
kansas part of it's In. Missouri there are differences in
certain circumstances four one ks and iras of the community's.
Spouse on The kansas, side they're, exempt they're off the,
table but you have to count them In, missouri and
that could make a, huge gigantic difference for the for
(38:41):
the community, spouse the spouse who will stay in the. Home, Okay,
so and AGAIN i don't have a lot of time
to get into all of these, particulars but think liquid,
assets and you have to spend your assets, down your
liquid assets. Down say you have fifty thousand checking savings
and maybe a small like A cd or something like. That,
(39:02):
okay so you spend the money down in the state Of,
kansas you're gonna be almost broke down to two thousand
dollars and then, boom you're. Qualified it's just a it's
just a black and white numbers. Test here In, missouri
you can spend it down to five, thousand nine hundred
and nine, Dollars, boom you qualified and most states around the,
(39:25):
country they're somewhere in this. Area you're almost out of,
money and then you. Qualify that's the whole point of.
It it's the safety net that says we'll pay for
the majority of a cost of long term care when
you outlive your. Assets NOW i mentioned that community. Spouse
what if you have a, couple not an, individual where
let's say the husband needs needs long term, care and
(39:50):
let's say the wife is staying, home still doing, fine living.
Independently then in that, case you would determine the amount
of liquid app sets and then you would divide that
half on his, side half on her. Side and it
gets really, complex but the bottom line is he would
spend his half down and qualify and she would hang on.
Speaker 4 (40:11):
To at least.
Speaker 2 (40:12):
Half, now there are ways to protect more than. That
i'm not getting into all that. Today, Okay so but
once once you qualify For medicaid and they'll pay for
a shared room and they're paying the majority of the.
Cost let's say your your income is you, know fifteen
hundred dollars solid, security about five hundred dollars in the.
(40:34):
Pension you're bringing in a couple of thousand a. Month
you put most of, that not all of, it most
of it toward the cost of. Care medicaid pays the,
difference which, is you, know could be you, know seven
or eight thousand dollars a. Month so with my again
with my Firm Senior Care, consulting a big part of
the initial assessment and discussion is how are we going
(40:55):
to pay for the high cost of? Care and we
we look at. Everything we'll look at assets, available assets
that could be liquidated and become available for paying for.
Care we look at your, income we look at long
term care insurance. Policies NOW i don't sell, them But
i'm very familiar with, them And i'm very familiar with
(41:19):
the insurance world in, general and SO i can take
a look at your, policy tell you exactly how it,
works what it's going to, pay and when the benefits kick,
in et, cetera et, cetera et. Cetera they we'll look at.
That what if you or your loved one is a,
veteran can you or they qualify for THE Va aid
And attendance. Benefit we're going to have a discussion about,
(41:39):
that and we're going to see if we can get
you a really nice. Benefit as a huge thank you
for serving our country to our. Veterans so this is a,
big big part of, it along with a lot of
other moving parts With Senior Care. Consulting so if you're
living in long term care and you want to make
a move to a different, community maybe if you're, concerned
(42:00):
learned that you're in a community and if you run
out of, money it's not going to they're Not medicaid.
Certified this happens all the. Time or maybe you know
you're going to move and you just you want to
get it right the first. Time you don't want to make.
Mistakes reach out To Senior Care. Consulting we would be
very happy to visit with. You we do offer a
free consultation nine one three nine four five twenty eight
(42:23):
hundred nine, three nine four five twenty eight hundred or
visit online At Senior Care consulting dot com and we
can definitely help you out with that search and selection,
process help you get it.
Speaker 4 (42:35):
Right the first.
Speaker 2 (42:35):
Time all, Right I'm Steve keeker AND i wish you
grace and. Peace May god bless you and your family
on this day and always join me next week right
here On Senior Care.
Speaker 6 (42:47):
Life does your business serve the elderly and their. Caregivers
in our. Area there are hundreds of thousands of people
either receiving or providing senior, care and they need to
know about. YOU a unique and successful radio program Called
Senior Care live is the perfect opportunity to let your
target audience know about your amazing products and. Services Senior
(43:11):
Care live is currently adding a limited number of partner,
sponsors and if you're aligned with their, mission they want
to talk to. You they're interested in partnering with hospital,
organizations physician, groups home care, providers estate planning and older law,
practices financial, advisors insurance, companies real estate, brokers home health,
agencies and other providers serving the elderly and their. Caregivers
(43:35):
Senior Care live has a limited number of partner sponsor,
opportunities so call now at nine one three nine four
five twenty eight hundred nine one three nine four five
twenty eight hundred or visit Seniorcare live dot com seniorcare
live dot.
Speaker 2 (43:49):
Com quid pro quo A latin phrase that means an
exchange of goods or services where one transfer is contingent
upon the. Other here's an. Example i'll recommend your senior
care community if you'll pay me a huge kickback from my.
Referral the free referral services have a vested interest in
you choosing one of their business. Partners that's how they
(44:13):
make their. Money does this paid recommendation sound objective or?
Credible of course. Not I'm Steve keeker With Senior Care.
Consulting i'm so proud to say we have never received
a single penny from any provider. Ever we offer replacement
service with integrity for help finding the right senior care,
community without conflict of interest and without the quid pro
(44:36):
quo called nine one three nine four five twenty eight.
Hundred nine one three nine four five twenty eight Hundred
Replacement service with integrity At Seniorcare consulting dot com
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education and resources
for seniors and their caregivers. And now America's senior care consultant,
Steve Keecker.
Speaker 2 (00:24):
Hello and welcome to Senior Care Live. I'm Steve Keeker,
your senior care consultant, and I really appreciate you tuning
in today and we have a wonderful program on tap
with my friend and special guest in studio. He is
mister Bruce Glenn, the senior Wealth Manager and President of
Rally Wealth and Benefits. And Bruce, welcome back to Senior
(00:45):
Care Live.
Speaker 3 (00:46):
Thanks Steve, good to be here as always.
Speaker 2 (00:48):
All right, So, if you want to reach out to
Bruce Glenn and the fantastic team at RALLY Wealth and Benefits,
here's the phone number in the Kansas City area nine
one three three zero eight zero two seven seven. And
guess what, Rally has clients and businesses all around the
country that they do business with and help out. So
(01:09):
the toll free number nationwide eight eight eight two four
one two three six y one. Of course you could
go online at their fantastic website rallywb dot com. And Bruce,
I'm really looking forward to this one. We're going to
be talking about a little something that happened in Congress recently, right.
Speaker 3 (01:28):
Right right, the One Big Beautiful Bill Act. Yeah, and
I know it's over one thousand pages of legislation that
I'm gonna uncover in about ten minutes.
Speaker 4 (01:37):
There we go. Hey, all right, Hey, that's perfect.
Speaker 3 (01:40):
The rabbit Hole will not be very deep on any topic,
but we'll try and give you a good overview.
Speaker 4 (01:44):
Yeah.
Speaker 2 (01:44):
Well, you know what, I think it's important because frankly,
this stuff gets politicized on both sides of the aisle.
And I love the fact that we're just going to
be talking about some of the highlights on here, but
it may be information that a lot of people haven't
heard of.
Speaker 3 (01:58):
Frankly, So well, there is a lot of misinformation out
there on it, and there's a lot of political divisiveness
over it. Yeah, because it barely passed the House by
one vote, and then it fast tracked through the Senate.
Then President Trump signed July fourth, So it's it's been
a big undertaking, you know, all year.
Speaker 2 (02:16):
Yeah, absolutely, So let's go ahead and jump into our
first bullet point here.
Speaker 3 (02:22):
Yeah. So yeah, first of all, we're I'm gonna touch
a little bit on taxes on how it affects businesses,
our energy policy. You'll probably drill down on that a
little bit more because that was the part I covered
on our webinar yesterday. Which is kind of funny. I
saw on the webinar It's like, well, gee, this webinar
I better put a jacket on versus radio show. I
can wear my T.
Speaker 4 (02:40):
Shirt right, That's right. You don't even have to comb
your hair anything.
Speaker 3 (02:44):
There's some touches on healthcare and you know, foreign exposure
to some of our sensitive areas. And then there's also
some touch there on the assault the State and Local
Tax Act that got capped out a few years ago.
They've they've made an adjustment on that things. I'll just
start right there. The cap was ten thousand on the
(03:04):
previous assault tax. The new OBBBA has raised it to
forty thousand on that. So that's going to be a
little bit more tax planning. And backing up to what
you said about the website and our team, I like
to remind everybody that we also have in house CPA
tax planning. We have a state planning, we have group
Health and Vision along with our four to one K practice,
(03:27):
our five twenty nine and our private wealth management, and
then we have experts on property and casually insurance yourself
with senior care and Medicare supplements and drug plans and
advantaged plans. So really anything that somebody needs from financial nature,
we have it all under one roof. So anything that
you know, don't just say, well, I don't need to
talk about wealth, and you may have another problem or
issue you want to talk about.
Speaker 2 (03:46):
Absolutely, and you've created a very broad, diverse team with
a lot of specialists available to help you know all
of your clients in one in one area or another.
So yeah, you've done a really great job with that.
Speaker 3 (04:00):
So yeah, thank you. I appreciate that. So let's talk
about the energy. And at first, all I have to
start off by saying, this is not a political statement.
I just want to try and cover the black and
the white and the cause and the effects of what's
going on Washington, DC when it comes to our energy.
And one thing that is nice is I think the
whole country is unified behind the fact that we want
to have good, clean pollution free as much as possible
(04:25):
energy the whole way across. The difference really is that,
you know, one side of the political aisle is you know,
pushing hard for clean renewables with wind, solar, geo battery
storage and kind of at the expense of what we've
been using for the last you know, one hundred hundred
fifty years on the fossil fuels. And then the other
(04:45):
side of the political aisle is like, hey, we're not
to where we can afford to go nothing but clean
because it break our economy. We're in all of the
above camp right now, but we would all like to
see in thirty forty fifty years be totally clean renewable resources.
We're just is just a matter of timing.
Speaker 4 (05:03):
I think most reasonable people think that way.
Speaker 3 (05:05):
Yeah, I think so too, But again I'm trying to
try to not get political, but but I think we
all want to eventually get to where, you know, if
the wind and the solar would cover everything or hydro.
Speaker 4 (05:15):
Great, that'd be awesome. Yeah, it's just not there yet.
Speaker 3 (05:18):
No, And so the energy pieces to this. Basically, President
Trump is trying to stop the government from taking political sides.
So the last couple of administrations gave a ton of
tax credits and deductions to new energy resources, clean energy
(05:39):
resources at the expense of the taxpayers and trying to
push that. And then they also had put some road
bumps and additional regulations against like coal for example. Fact,
it's one of our political candidates a few years back,
one of the totally closed down the coal industry, you know,
So that's not smart. And then of course we've you know,
four years ago, we shut down some main pipelines that cause.
(06:04):
And so right now where we're sitting at we're paying
about a buck twenty a gallon more for gas than
we did you know, two twenty nineteen, twenty twenty, and
of course fuel. And the reason I get so excited
about it because from the stock market standpoint, investments in
our clients fuel, you know, is the problem with inflation.
I mean, fuel flows through everything that we touched by
(06:27):
single right, and so when you're paying about twenty a gallon,
which is you know what forty percent higher than it
used to be, that means that's a direct flow to
you know, our grocery stores and everything else that we're doing.
So that's why this is so important. But anyway, so
the new bill, what they've done is they're phasing out
a lot of these tax credits and deductions to the
(06:49):
clean energies, and they're also reducing some of the regulatory
environment that's been you know of trouble to coal and
to getting refineries expanded and more up to date, and
pipelines and you know, things like that. So those are
really really important.
Speaker 2 (07:04):
And I've always been a fan of and there's nothing
wrong with governmental you know, subsidies to try to kickstart
some of these technologies and that sort of thing. But
I am a huge fan of let the private market
develop that and turn it into something that is affordable
and replicatable around the country, and let the private market
(07:27):
do that. I think the private market will do a
much better job than the government trying to insert itself
into that effort.
Speaker 3 (07:32):
Yeah, I agree on a whole on that. You know,
there are certain circumstances. You go back through a history,
and there are some many issues that really needed to
happen that wouldn't happen if government hadn't stepped in and
sure get it started. But I'm not a big fan
of the government putting the finger on the scales of
balance for very long, you know, if at all. So
I agree. You know, one thing that's kind of funny
about the you know, again, it such a political topic
(07:54):
and depending on what news channel you get your sources from,
you know, some of them are even though reports we've
seen earlier where it's on this OBBBA program is that, oh,
this is going to be catastrophic to jobs, blah blah
blah blah. Well, you know the reality of it is
it will reduce jobs probably in these ones that were
taxed subsidized solar when GEO these type areas. But if
(08:15):
you think about it, if they deregulate or reduce regulations
and problems with coal and you know, fossil fuels and
pipelines and all that, that'll get those jobs going again.
Speaker 4 (08:25):
Correct.
Speaker 3 (08:25):
So I don't see it as a net loss of jobs.
I see as a shifting in Our economy is always
shifting to whatever the next new thing is. So I
don't really see the jobs as being a problem here,
although you're going to hear that scare mongering from a
lot of the news outlets out.
Speaker 2 (08:38):
There, and that's the politicization, right of these all these topics,
and it kind of drives me crazy.
Speaker 3 (08:45):
Frankly, so, yeah, yeah, So the one biggest thing that
came from this, and our viewing and listening audience probably
isn't going to really see the effect from this, but
they would have seen it if it didn't get done.
So President Trump and his first administration and acted a
major tax reform and tax cut that was scheduled to
sunset this year. If it was allowed to sunset, the
(09:10):
average Americans federal tax piece of their paycheck would have
gone up by twenty two point four percent out That
could have very easily thrown us into a recession. Yep.
I'm not saying recession is unavoidable or that this is
going to keep us from getting into a recession at
some point, but that would have been a real big problem.
If all of a sudden, your paycheck is down by
(09:32):
you know, in some cases one hundreds of dollars per payroll,
that's money not going into the economy. That could have
thrown us into a recession pretty easily. So that was
one of the best things about this, in my opinion,
is they extended these may made those tax cuts permanent,
so really important.
Speaker 2 (09:48):
All right, If this is catching your attention, if you
have questions about this. If you'd like to reach out
to Bruce and his excellent team at Rally Wealth and Benefits,
give him a call nine to one three three zero
eight zero two seven seven toll free eight eight eight
two four one two three six' one online AT rallywb dot.
Com And i'll tell you, What, BRUCE i think there
(10:12):
are a lot of listeners out there that are just
just unaware of some of The just like you, said
we're going to keep this black and white in just the,
facts and uh, yeah it's very much. Appreciated So bruce
will pick that. Up on the other, side let's not
forget about The Senior Care live question of the. Week
because of the one big beautiful, BILL i don't have
(10:35):
to pay taxes On Social security. Anymore is that statement
true or? False what do you?
Speaker 1 (10:42):
Think you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information Visit Seniorcare live dot.
Com we'll have more With steve coming up. NEXT a
Recent internet search for nursing homes In Kansas city provided
(11:05):
thirty two million. Results it's daunting to think that there
are over three hundred and fifty senior care communities to
choose from in The Kansas city metro and on average
you'll spend fifty to one hundred hours trying to find
a place for your loved. One if this sounds, overwhelming
that's because it. IS i invite you to reach out
To Senior Care. Consulting we've been serving family since two
(11:27):
thousand and. Two with our premium, service we do most
of the work for.
Speaker 3 (11:31):
You you'll spend.
Speaker 1 (11:33):
Just a few hours of your time finding the best place,
available and you can trust us to be objective because
we don't receive reimbursement from any. Provider we work for.
You to learn, more Call Senior Care consulting at nine
three nine four five twenty eight hundred three nine four
five twenty eight, hundred a placement service with integrity At
(11:56):
seniorcareconsulting dot.
Speaker 4 (11:57):
Com welcome.
Speaker 2 (12:04):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information visit Seniorcare live dot.
Com now back to The Senior Care Live question of the.
Week because of the one big Beautiful, BILL i don't
have to pay taxes On Social security. Anymore is that
statement true or? False and the answer is? False the
(12:32):
answer is. False In, bruce why is that statement?
Speaker 3 (12:36):
False, Right so in some cases some people will virtually
not pay taxes On Social security because what they've done
basically is is that you did have a standard deduction
one thousand for single and two thousand for joint, filing
but they've increased that by six thousand dollars on the sanitary.
Deduction so that may knock some people out of having
(12:57):
to pay tax on The Social security or their overall tax.
Bill the estimate is somewhere around sixty percent of the
people that are on solid security that this will help
them to a great. Degree so, okay maybe maybe eliminate
that tax.
Speaker 2 (13:09):
Altogether, yeah all, right we're speaking With Bruce. Glenn he
is an expert and all matters. Financial he's a senior
wealth manager and president Of Rally wealth And benefits In
Kansas city nine to one three three zero eight zero
two seven. Seven toll free is eight eight eight two
four one two three sixty one and online AT rallywb dot.
(13:32):
Com And, bruce let's continue our conversation on the one
big beautiful.
Speaker 4 (13:37):
Bill very.
Speaker 3 (13:38):
Good So i'm going to kind of just roll through some,
other you, know bullet POINTS i feel like are kind
of the some of the bigger ones that are in the.
Bill and again the details are still kind of unwinding
out of, this and there may be some challenges to
some of. It and, yeah, Yeah washington D c is you. Know,
Yeah but, anyway so just kind of touch. AGAIN i
already mentioned this, earlier but the salt. TAX i think
(13:58):
this is one of the two most important items for
our listing, audience is that that that state and local
tax cap of ten thousand that was implemented probably what eight,
ten twelve years ago is now raised to forty. Thousand
so that's going to mean from a tax playing, standpoint
itemization a lot of people went to just using standard.
(14:19):
Deduction now the reason to itemize may increase for quite
a few people right, there.
Speaker 4 (14:24):
Because that's going to raise the taxes a little.
Speaker 3 (14:25):
Bit with, this, well it gives you the ability to
deduct more of your interests and property taxes beyond that
ten thousand, Limitsky, yeah which you, know caps a lot
of people. Out and then you just you, know what
used to be deductible, wasn't so now a lot of
that will become deductible, again which. Helps so this is.
Interesting so again Again President trump's you, know Pro america In. America,
(14:46):
first this is a good example of. That so there's
a Car loan interest deduction in the bill of up
to ten thousand dollars on interest if it's A us built.
Car now the real question, is, well what is A
us built? Car so we, right so we believe it's
it's designed to be cars that are completed in THE.
Us so they could be assembled at THE uh maybe
(15:08):
A nissan In tennessee Or kia where you, KNOW i
don't know where all the different plants, are different. CARS
i Know NISSAN'S i run through one of. Those it's
a huge In mississippi on drive through that Wherea but,
anyway that's the point there is is that there will
be an incentive to Buy american on the car. Front and, then,
uh you, know charity AND i like this a. Lot
(15:28):
so charity really took a back seat after some of
this uh previous tax reform bill or inflation whatever they
call that bill. Did but there you, know now there's
they're going to implement where charity you can you can
do your you, know one thousand and two thousand joint
starting in twenty twenty, six and there's no income phase
(15:51):
out for. It so that's going to help churches non
for profits quite a. Bit And i'm not really getting
all the way into that, one but there is a
lot of advantage to charity that this bill helps out,
with Which i'm glad to see that as. Well the
estate plan so this is kind of like the taxes
that we're going to expire and would have gone way
up the estate planning or state taxes we're going to expire,
(16:12):
Also and so this extends the fifteen million and the
thirty million for you, know, couples for the you, know
very few people to fit into that, category but there's
a lot of people that fit in at some point
that would because it would have gone BACK i, think
to hold me to, THIS i think would have gone
back down like six hundred thousand. Dollars anything above that
would have been subject, tax which is, crazy, Right, Yeah
(16:32):
and so most people would have fallen into that, situation
just your, home and so that that's going to make
make that a lot better for families to be able
to keep their wealth and their generations to. Come categories like.
That there's also a Newborn The United states is going
to give parents with a newborn a deposit into a
(16:54):
savings account and then the parents can put some money
with that, Also so they're trying to avis birth Rate
AND i know it sounds kind of, silly but thinking About,
china you, Know china has this big goal of becoming
the number one economic engine in the. World, Well china
has a big. Problem their birth rates are very very,
low and they've got you, know a, lot a lot
(17:17):
smaller population base of younger people supporting the older, people
and that that's a trickle down effect that gets worse
and worse and worse if you've got a big disruption
in your population. Base and we've had slowing population numbers,
also so they're trying to incentivize that or at least
make it a little bit easier for new.
Speaker 2 (17:34):
Parents and they're also incentivizing starting to save on behalf
of your newborn child from day, one and that that
pays off in uh in buckets later, on you, know
for you, know saving for college or you, know your
first home or whatever it might be once that child has.
Speaker 3 (17:50):
Grown so, yeah absolutely, so and then there's another one
of these. Things so this is kind of a funny
thing that a lot of our clients and a lot
of people try and walk a fine. Line if they
were hire before sixty five and you've got The obamacare
available to, you there's different levels of tax credits that
go towards them getting their premiums on the health insurance
(18:13):
to a low manageable, level and they have to have
a certain level of, income and the government offsets a
lot of the. Cost so that's actually going to stop
in twenty twenty. Six so the game of playing that
is going to come to an, end fortunately or, UNFORTUNATELY
i guess fortunately from a tax standpoint for the, government
(18:34):
but unfortunately for folks are in that situation where they
want to retire early And cobra only carries you so,
far and then now you've got a problem like how
DO i get my health? Insurance and then if it
costs you the full cost of, it that could hurt
a lot of people in that.
Speaker 2 (18:47):
Regard And cobra is pretty expensive because even for that
period of, time you're paying the full freight on that
health insurance and your company is no longer subsidizing. That so,
yeah it gets really expensive all of a. Sudden it
should be part of what is calculated into that decision
of retiring.
Speaker 3 (19:05):
Early so, yeah one hundred percent and so one other
potential effect from THE obba is that we could take
on some extra debt in the short term because some
of these tax cuts are going to kick in until
some of, that you, know the trickle down effect kind
of broadens the tax, Base so the bond market could
see some effect by. That so we're kind of watching
(19:26):
that carefully and we'll see where we take effect on.
That are what we. Do you, know we're kind of
taking the short end of the duration on bonds just
to try and minimize The federal reserve tax or the interest,
adjustments and we'll see what this tax does as. Well
so we're going to keep pretty tight on our bond.
Rates and then so just kind of a, reminder DURING,
(19:48):
covid we got up to about one hundred and thirty
percent OF gdp on our. Debt it's reduced a little
bit down to abou one hundred and twenty percent on our,
debt but we're, still you, know a debt, orination so
we need to get this further in. CONTROL i think
the overall bill will improve that in the long, run
but you, know the short, term maybe a little bit
of pain with, it.
Speaker 2 (20:06):
All, right he is Mister Bruce. Glenn he's the Senior
Wealth manager and president Of Rally wealth And benefits In
Kansas city nine one three three zero eight zero two
seven seven or toll free eight eight eight two four
one two three sixty one online AT rallywb dot. Com And,
(20:27):
bruce thanks so much for taking time to give us
a really nice overview of some of the highlights of
the One Big Beautiful.
Speaker 4 (20:34):
Bill you did a beautiful.
Speaker 3 (20:36):
Job it's a beautiful, day, baby.
Speaker 1 (20:40):
All.
Speaker 4 (20:40):
Right we'll have more coming up.
Speaker 3 (20:41):
Next. Thanks.
Speaker 1 (20:42):
Steve you're listening To Senior Care live on The Senior
Care Broadcasting. Network have a, question Visit Seniorcare live dot.
Com stick. Around we'll have more With steve coming up.
Speaker 5 (20:53):
Next, hello this Is Steve, Keeker president Of Senior Care.
Consulting i'm so excited to announce that we are expanding
nationwide by Awarding Senior Care consulting. Franchises we help our
clients find the right senior care, community including assistant, living memory,
(21:17):
care long term, care and continuing care retirement. Communities we
are not another run of the, mill free referral. Service
we're very. Different we offer replacement service with. Integrity owning
a senior care consulting franchise offers many. Benefits our market
is not affected by the. Economy operate from your home
(21:37):
office and enjoy work life. Balance pour your passion into
a business you can be proud. Of for more information
about owning a senior care consulting, franchise call eight three
three seven two two three seven two six eight three
three seven two two three seven two six or Visit
seniorcareconsulting dot.
Speaker 4 (21:58):
Com welcome.
Speaker 2 (22:06):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network for podcast of the, program Visit Seniorcare
live dot com or wherever you get your. Podcasts All,
right So i've been talking to quite a few folks here.
Recently they're going to be searching for a long term
(22:27):
care community also known as a nursing. Home now that's
a bad word in the in the. Business they don't
they don't like the nursing home word or term because
that comes with a lot of. Baggage AND i would
remind the industry that that's baggage well. Earned BUT i
(22:51):
will also give major credit to kind of taking care of.
Speaker 4 (22:55):
That and you don't see.
Speaker 2 (22:59):
Anything anything today like we used to see back in
the day when it had very bad connotation and where
all the baggage came. From so, anyway much, much much,
improved much better now not even. Close so if you're
going to be searching for a long term care, community
(23:19):
this is the highest level of care that is. Available
and what does that. MEAN i refer to it as
the medical. Model so they can they can help you
in all the ways that an assisted living level of
care or an assisted living community can help with your, bathing, dressing, grooming,
(23:41):
toileting and continent, support medication, management making all the meals for,
you you, know all those sort of, things plus medical
needs such as wound care such as pain, management urinary
that are, care feeding, tubes diabetic management with insulin, injections
(24:07):
very heavy personal. Care so if someone is just not
able to help themselves and it takes two staff or
maybe even a mechanical lift to help a person from
POINT a to POINT, b maybe someone And god bless
them if they're maybe even bedridden at that point because
they just need so much care and they're not able
(24:28):
to get up and get. Around that, heavy heavy personal
care is also provided along with all of the medical,
needs so that's when you would need long term care
and also you, know many many times the resident will
have cognitive, issues cognitive, impairment and they can help out
(24:52):
with that to a. Point, now if the long term
care community has a memory care neighborhood or memory care
portion of the, community then they can they can help
you with all of those medical needs as well as
your cognitive needs and address the issue of potential elopement
or wandering away from the from the the building or the,
(25:15):
community as well as you, know, overstimulation all the other
things that memory care would. Address you can have memory
care at the long term care, level and you can
have just WHAT i term is just general, care just
good old fashioned, general everyday. Care so, again it's that medical.
(25:37):
Model it's the highest level, available and it's also the most,
expensive and there's more staffing and long term care relative
to assists of living or residential care or or or home,
plus although home plus has really good staffing.
Speaker 4 (25:53):
Levels actually we're.
Speaker 2 (25:55):
Gonna have a lot more r, ns a lot more,
LPNs and just generally overall more staffing because guess, what
the residents need more. Help so that just makes. Sense
so on the pricing, model, okay it's a daily. Rate
at this, point you're just you're paying a daily. Rate
(26:17):
it's not you, know a thirty day month by month
like most assistant living. Communities it's a monthly charge OF x.
Dollars so in long term care you have a daily.
Rate and then there are two types of. Rooms so
you have a shared room where you can have a,
roommate and then you're going to have a private, room
(26:40):
which really comes at a. Premium, see by the time
you need and make it to that long term care,
level it's mostly about the care that you receive and
not much about your personal space at that. Point now
(27:00):
you can use a lot of the other spaces and
areas within the. Community and then your room is really
more of kind of a bedroom type of a setup
where you would of course sleep, overnight take, naps et,
cetera et, cetera hang, out read a. Book you can
stay in there as much as you'd, like but the
idea is for that to be more of a bedroom
(27:21):
type of a, setup and then you would use other
parts of the building throughout the day for other needs
and other. Purposes so for that shared, room you have a. Roommate,
okay in the in The, midwest AND i think these these,
NUMBERS i think are pretty applicable for most parts of the.
Speaker 4 (27:42):
Country you're going to be.
Speaker 2 (27:44):
Anywhere from you, know two seventy five two eighty ish
per day up to you, know maybe three hundred a,
day three thirty a, day three forty a day right in.
There and then the private room again just comes at a.
Premium your private room is going to be maybe three
(28:07):
point fifty to maybe upwards of about five hundred dollars a.
Day take that times thirty and you're, like, wow don't
wreck your, car don't spit out your coffee if you're
listening to this in the. Morning so it's, uh it.
Is it's very. Expensive, Now i'm asked all the. Time,
(28:30):
now isn't there a buy in when you move into
long term? Care, no absolutely. Not it's a daily. Rate,
now typically they would want you to pay for that
thirty to thirty, days you, know, upfront on the on
the first day of the, month so you're writing a
check for nine to fifteen thousand. Dollars if for some
(28:54):
reason you should choose to move during the middle of the,
month or if you should pass, wait or for any
other reason that you're not there in the, building they
would pro rate. That and if you, had you, know
fifteen days at three hundred dollars a, day they're going
to send you a check for what is that four
(29:15):
and four five hundred, dollars, Right so that's that that's
how that. Works but the rate is a daily. Charge
there is no buy, in there is no entrance, fee
there is not a community.
Speaker 4 (29:28):
Fee at this. Level you just move, in receive.
Speaker 2 (29:33):
Care and there's always a, huge huge question AND i
address this all the time with my clients With Senior Care.
CONSULTING i asked the very good question of is there
a chance that you might outlive your? Assets and more
(29:58):
often than, not the answer, is, well, yeah there is a.
CHANCE i, mean we don't know how long we're going to.
Live we have x, dollars we have our income OF
x dollars a, month we have these other assets that are.
Available we're getting ready to sell our house and that's
going to add to our asset. Base so we could
do some basic math and figure out that their, assets
(30:19):
along with their, income would pay, for for, example a
shared room for the next forty eight, months sixty, months two,
months whatever the number. Is What we'll do the math
and we can get you pretty. Close as an. Estimate
but what happens if you should outlive your, assets then
(30:40):
what we're going to have to do at that point
is make sure then to Discuss. Medicaid at that, point
you're going to need to qualify From. Medicaid AND i
like to refer To medicaid as the safety. Net that,
says if you should outlive your assets and you require
care at that long term care, level then The medicaid
(31:02):
program that they've got you, covered that's your safety. Net
they will end up, paying ultimately pay the majority of
your monthly cost each and every month once you. Qualify
so that's that's pretty.
Speaker 4 (31:15):
Incredible.
Speaker 2 (31:16):
NOW i have received over the years all kinds of
calls from people, saying we moved into this place and
we thought we were in good, shape and and we, figured,
well if we run out of, money you, know we're
going to get That medicare thing or that whatever that
thing is, called and and we're good to. Go and
then we find out that the long term care community
we're living in they don't work With. Medicaid SO i
(31:38):
guess we're going to have to. Move can you help?
Us because we obviously didn't get this one right the first?
Time AND i and AND i even Had i've even
had some people, say don't tell. Me if we would
have worked with you in the first, place this wouldn't be.
Happening AND i, said, WELL i hate to say, it
but it's, true it wouldn't have. Happened it Was Senior.
(32:00):
Consulting i'm a meticulous, planner and we plan for all
of the potential, scenarios including what happens if you should
run out of. Money and most people are, like, well
we wouldn't want to, Move we would want to stay,
there in age in, place and that's, yes of, course
so we will plan for. That Senior Care consulting will
(32:23):
not let you make a. Mistake if that's resonating with,
you maybe you're in a place and you have some
questions and you're, like maybe we need to look at our.
Options give me a call at nine, one, three nine
four five twenty eight hundred and let's talk about. That
i'm going to have a whole lot more About medicaid coming.
Speaker 1 (32:40):
Up you're listening To Senior Care live on The Senior
Care Broadcasting. Network to Contact steve or a guest of his,
show this Is Seniorcare live dot.
Speaker 4 (32:49):
Com we'll have more coming.
Speaker 2 (32:51):
Up so you've been living independently at, home but now
it's not working. Out it's time to begin searching for
a senior care. Community but with hundreds of independent, living assisted,
living long term, care and memory care, options how are
(33:15):
you supposed to determine the best place for?
Speaker 3 (33:17):
You?
Speaker 2 (33:17):
Hello I'm Steve, keeker and this is exactly WHY i
created my, Firm Senior Care. CONSULTING i help my own
grandparents through this difficult, process SO i know how overwhelming
this can. Be our business model ensures credibility and. Objectivity
we work directly for you and we never receive reimbursement
(33:37):
from any. Provider we've helped hundreds of family since two
thousand and, two and we can help you and your
family as. Well call today for a free consultation at
nine one three nine four five twenty eight hundred nine
one three nine four five twenty eight hundred a placement
service with integrity At seniorcareconsulting dot.
Speaker 4 (33:59):
Com welcome.
Speaker 2 (34:08):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network have a question visit Seniorcare live dot.
Com all, right so you're looking at moving to a
long term care. Community we talked about what it, is
what it, provides the, cost and then we are addressing
(34:32):
the question of what happens if you're living in long
term care and you outlive your.
Speaker 4 (34:36):
Assets it's a huge.
Speaker 2 (34:38):
Question and trust, ME i get calls all the time
from families who they were not aware of exactly how
all this stuff. Works and there, was you, know a good.
Salesperson they forgot to mention things and the family didn't
(34:59):
know to ask certain, things and then they're now they're
in a they're in a, pickle they're in a. PREDICAMENT
i get calls all the. Time, see they said that
my dad could live, here you, know for the rest
of his, life and now he's going to have to
move because he's out of. Money AND i thought they
would build that medicare that medicaid thing and do they
(35:21):
lie to? Me And i'm, like, no leave me out of.
THAT i wasn't. There but here's here's the bottom. Line
is you're in a private pay only a, community or
maybe they have an unwritten policy of you have to
be able to privately pay for your own care for twelve,
(35:42):
months eighteen, months twenty four, months could even be longer than,
that and maybe you weren't aware of that or whatever
the situation. Is but the bottom line is you're out of,
money you're gonna have to. Move And i've helped lots
and lots of People i've turned around very. Quickly i've
helped them get out of kind of a bind if you,
will or a, jam if you, will and help them
(36:02):
move to another community where it worked out just wonderfully
and they were able to qualify For. Medicaid and we'll
just kind of move on past this whole. Thing So medicaid,
again is that safety net that, says if you should
outlive your assets and if you should need care at
the long term care, level we'll pay for the majority of.
It so here's how that. Works what you're going to
(36:25):
do is you're going And i'm just going to go
on a just a quick, overview and then here in
the near, FUTURE i have a couple of different elder
law attorneys That i'll have on the show And i'll
have them explain it better THAN i. Can but let
me give you the basic overview. Here so this program
is designed to help pay the majority of your care
(36:49):
when you're almost out of.
Speaker 4 (36:50):
Money that's what it's.
Speaker 2 (36:53):
For so to get there and figure out how to
qualify for. It you have exempt assets and you have countable.
Assets so your exempt. Asset your house is exempt for.
Now there's a lot more to that, story but your.
House you don't have to sell your house or somebody
(37:13):
said we have to sign over mom's house to Get,
no you don't, know you don't have to do. That
i've heard that about a thousand. TIMES i, think, no
you don't have to do. That the house is exempt for.
Now take care of mom that we'll deal with the house.
Later you can have a, car you can have an
investment in a prepaid funeral, plan which is a great.
(37:34):
Idea you can have a small amount of cash value
and a small life insurance. Policy and then all your household,
goods all the stuff in your. House those things are.
Exempt you don't have to worry about. That you don't
have to sell. Them you don't have to just don't
worry about. That the accountable assets almost everything. Else so
just think liquid, assets checking, savings money market mutual, FUND,
(37:57):
CDs four one k's, iras all this. Stuff, okay those
are countable. Assets now each state could have slightly different. Rules,
okay so for, Example i'm broadcasting from our flagship, station
and we're we're right here In Kansas. City So Kansas
(38:19):
city straddles a state, line so or part of it's In,
kansas part of it's In. Missouri there are differences in
certain circumstances four one ks and iras of the community's.
Spouse on The kansas, side they're, exempt they're off the,
table but you have to count them In, missouri and
that could make a, huge gigantic difference for the for
(38:41):
the community, spouse the spouse who will stay in the. Home, Okay,
so and AGAIN i don't have a lot of time
to get into all of these, particulars but think liquid,
assets and you have to spend your assets, down your
liquid assets. Down say you have fifty thousand checking savings
and maybe a small like A cd or something like. That,
(39:02):
okay so you spend the money down in the state Of,
kansas you're gonna be almost broke down to two thousand
dollars and then, boom you're. Qualified it's just a it's
just a black and white numbers. Test here In, missouri
you can spend it down to five, thousand nine hundred
and nine, Dollars, boom you qualified and most states around the,
(39:25):
country they're somewhere in this. Area you're almost out of,
money and then you. Qualify that's the whole point of.
It it's the safety net that says we'll pay for
the majority of a cost of long term care when
you outlive your. Assets NOW i mentioned that community. Spouse
what if you have a, couple not an, individual where
let's say the husband needs needs long term, care and
(39:50):
let's say the wife is staying, home still doing, fine living.
Independently then in that, case you would determine the amount
of liquid app sets and then you would divide that
half on his, side half on her. Side and it
gets really, complex but the bottom line is he would
spend his half down and qualify and she would hang on.
Speaker 4 (40:11):
To at least.
Speaker 2 (40:12):
Half, now there are ways to protect more than. That
i'm not getting into all that. Today, Okay so but
once once you qualify For medicaid and they'll pay for
a shared room and they're paying the majority of the.
Cost let's say your your income is you, know fifteen
hundred dollars solid, security about five hundred dollars in the.
(40:34):
Pension you're bringing in a couple of thousand a. Month
you put most of, that not all of, it most
of it toward the cost of. Care medicaid pays the,
difference which, is you, know could be you, know seven
or eight thousand dollars a. Month so with my again
with my Firm Senior Care, consulting a big part of
the initial assessment and discussion is how are we going
(40:55):
to pay for the high cost of? Care and we
we look at. Everything we'll look at assets, available assets
that could be liquidated and become available for paying for.
Care we look at your, income we look at long
term care insurance. Policies NOW i don't sell, them But
i'm very familiar with, them And i'm very familiar with
(41:19):
the insurance world in, general and SO i can take
a look at your, policy tell you exactly how it,
works what it's going to, pay and when the benefits kick,
in et, cetera et, cetera et. Cetera they we'll look at.
That what if you or your loved one is a,
veteran can you or they qualify for THE Va aid
And attendance. Benefit we're going to have a discussion about,
(41:39):
that and we're going to see if we can get
you a really nice. Benefit as a huge thank you
for serving our country to our. Veterans so this is a,
big big part of, it along with a lot of
other moving parts With Senior Care. Consulting so if you're
living in long term care and you want to make
a move to a different, community maybe if you're, concerned
(42:00):
learned that you're in a community and if you run
out of, money it's not going to they're Not medicaid.
Certified this happens all the. Time or maybe you know
you're going to move and you just you want to
get it right the first. Time you don't want to make.
Mistakes reach out To Senior Care. Consulting we would be
very happy to visit with. You we do offer a
free consultation nine one three nine four five twenty eight
(42:23):
hundred nine, three nine four five twenty eight hundred or
visit online At Senior Care consulting dot com and we
can definitely help you out with that search and selection,
process help you get it.
Speaker 4 (42:35):
Right the first.
Speaker 2 (42:35):
Time all, Right I'm Steve keeker AND i wish you
grace and. Peace May god bless you and your family
on this day and always join me next week right
here On Senior Care.
Speaker 6 (42:47):
Life does your business serve the elderly and their. Caregivers
in our. Area there are hundreds of thousands of people
either receiving or providing senior, care and they need to
know about. YOU a unique and successful radio program Called
Senior Care live is the perfect opportunity to let your
target audience know about your amazing products and. Services Senior
(43:11):
Care live is currently adding a limited number of partner,
sponsors and if you're aligned with their, mission they want
to talk to. You they're interested in partnering with hospital,
organizations physician, groups home care, providers estate planning and older law,
practices financial, advisors insurance, companies real estate, brokers home health,
agencies and other providers serving the elderly and their. Caregivers
(43:35):
Senior Care live has a limited number of partner sponsor,
opportunities so call now at nine one three nine four
five twenty eight hundred nine one three nine four five
twenty eight hundred or visit Seniorcare live dot com seniorcare
live dot.
Speaker 2 (43:49):
Com quid pro quo A latin phrase that means an
exchange of goods or services where one transfer is contingent
upon the. Other here's an. Example i'll recommend your senior
care community if you'll pay me a huge kickback from my.
Referral the free referral services have a vested interest in
you choosing one of their business. Partners that's how they
(44:13):
make their. Money does this paid recommendation sound objective or?
Credible of course. Not I'm Steve keeker With Senior Care.
Consulting i'm so proud to say we have never received
a single penny from any provider. Ever we offer replacement
service with integrity for help finding the right senior care,
community without conflict of interest and without the quid pro
(44:36):
quo called nine one three nine four five twenty eight.
Hundred nine one three nine four five twenty eight Hundred
Replacement service with integrity At Seniorcare consulting dot com
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
New Heights with Jason & Travis Kelce
Football’s funniest family duo — Jason Kelce of the Philadelphia Eagles and Travis Kelce of the Kansas City Chiefs — team up to provide next-level access to life in the league as it unfolds. The two brothers and Super Bowl champions drop weekly insights about the weekly slate of games and share their INSIDE perspectives on trending NFL news and sports headlines. They also endlessly rag on each other as brothers do, chat the latest in pop culture and welcome some very popular and well-known friends to chat with them. Check out new episodes every Wednesday. Follow New Heights on the Wondery App, YouTube or wherever you get your podcasts. You can listen to new episodes early and ad-free, and get exclusive content on Wondery+. Join Wondery+ in the Wondery App, Apple Podcasts or Spotify. And join our new membership for a unique fan experience by going to the New Heights YouTube channel now!
24/7 News: The Latest
The latest news in 4 minutes updated every hour, every day.