It's time for war point will watch with Christopher manslaughter. Partner and founder of worst point so we'll see. Tired of the same sales pitches disguised as financial advice Crist is a certified financial -- we'll give you the real facts about investments. -- play -- this state by. Here's Chris. Good afternoon off. We're so glad you're here today. I'm not sure how my weight down but the -- remote show hello who. -- I don't know -- about -- right. You sound like you're in a concrete room in the back of McCain. And. That don't don't. We we have an exciting show we're here today we have large and do -- -- contributors -- Forbes magazine that Forbes magazine report dot com tomorrow. -- -- Yeah I came across more on on the Internet come on Forbes dot com and you know it's it's always can we kind of get stuck in or cement room in the backed McCain. And it's really get to see a fresh voice out there and some market perspective maybe. Some shunning a different light than there were used to shines. I reached out to Lauren really happened cover on the shelf life. Hey -- say when I'm excited about is what happens you know much about our profession. We borrow. What happened if financial advisor. But over time your client start to become more and more successful and -- farmer. Away from the kind of thing that you write about which is how you laid the foundation to become well because it would cut the competition that you've done its job for twenty years or so it was more about OK I am well we now conduct a wealthy -- -- undermine the pact by you know. That's really different then what are the things that put in place to do to protect my ability to. Two. -- well -- -- it and these are things that I don't get there. You write a lot of things and there was a time when I was young financial partner in my twenties when I was really very closely cut those pop it has -- kind of advice I was giving -- the -- you do -- it further you wait yes I -- Well that's right -- and is is become a big topic the millennial -- and how they are using technology these days and how that are towards changing the way financial advisors -- work with them and facility billion -- here -- take a call list. No more as we -- we talked today you know actually working with the you know an actor who -- diameter and -- why. It millennial -- as a hot topic around them firm that is what immediate future. Do a better job of appealing now men and working with them so that you have any advice for us along the way we appreciated hundred. Pay -- I think income -- Well -- are the first thing we do on our show usually start world news item. Well. -- -- on now on line actually this week and according to the act credit reporting company Experian. No we talked a couple of weeks ago with some mom or residential mortgage financing experts about. Financing. And I was really on line like this and according to credit reporting company Experian residents of -- Minnesota. Have the highest average credit score in the country at 713. Which is a pretty good credit score -- if you're in the seven hundreds. The lowest average credit score in the country belong to the residents of Nevada which I think. Many of us would may have predicted at 660. And into other. -- Minnesota thing I. I would I would get a head start yapping about why that is I wouldn't get that but the debate -- thing. -- not interestingly. Eight of the top ten highest credit score cities. -- in the country were in Minnesota Wisconsin and Iowa eight of the top ten in the government who is on the program put a. Little. I -- that and I think it's a midwesterner and I you know it apparently kind of like bank good -- -- conscientious and a V8 year old are you what's your hometown. Yeah I'm originally from the Cleveland area and okay that would it was Cleveland on us not Scott. In that Cleveland would not on that list it was mainly -- is in Minnesota Wisconsin and I went and actually Boston was on there is as a nun and northern midwest and there was a -- I think there's another West Coast -- -- -- -- make him what it was like San Francisco fortunately there was design but but it did just seemed like the northern the northern no brush filled area was actually. The focus of the year hi critics' worst. That's both surprising and interesting that it might be more fun to talk about Las Vegas. But yeah. Well. We know that -- -- -- -- housing a crisis was back in 2000 -- lead isn't surprising against. Now I'm not believe that the present with the whole you know who who's attracted people living today. Who looked at -- there. Our -- Laura Laura. Could you give it a little bit about your your background and that. Kind of thing that you write about I did little poking around the Internet -- look at what he did it could there's a little bit about. Who you are what you like to write about what you're passionate about. Probably. The -- -- executives are here in the back line you know he's got collection that -- -- and it's called -- game plan courier and many secrets to succeed in today's world and in -- How about some of that particular challenges that Melanie I'll sneak in terms he wanted to most educated generation that also happened -- -- -- you can learn which. Tank and then I'll pick graduating at times land now I'm in the economy. Did not really have. I'm in as many jobs and I'm. 88 that would really required their degree. He'd say you're that high percentage of let it calm under employment in the center Haitian elections at a very high percentage of these college graduates are and jobs that actually don't required -- decree. -- offered some debate about that do you think that. Too many of them have college degrees or half degree in areas move forward there isn't much demand a nut jobs market let. Yeah I think it's if it refers to and that French tank the economy isn't -- -- -- ash. She knew what utilized all our -- decree you know if -- crime and contracting then I got exactly what has. The problem put under employment and I. Because. Of the financial crisis and all of that stuff that happened after that obviously. And the economy is still are it sort of staggering along -- not really he controlled it happened that -- -- bench. A lot of young talented people who are highly educated -- are actually being utilized to the -- there fidelity. Do you personally know some people who fit that description of -- But we'll keep track and car and still want to capture that nine book good pension letter and I -- -- and or people pew and catching graduate school because. -- -- for me either -- -- -- -- crack cocaine for which eat typically get them actually getting impeached me. I let you work and corporate shop that offers you. Electrician at -- and most people won't pick on -- cheer you actually get that. It action intrigue and when I interviewed her she told me that she has really been considering going a -- school and she evening. I think she's starting perhaps -- line in a Democrat and and net and maybe he is he couldn't complete -- cream -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Heck I feed job and then that would interest coming years and a lot of people who weren't exactly sure what they want -- -- your -- plottage. -- make that money and have job security he used to it would go into a lot kind of I think he. -- A lot of those people. Especially the more recent graduate challenging -- it couldn't get jobs in their field. She told me about from friends who had other friends -- recently graduated from our culture -- working as bartenders. I'm in any hack can not count not arguing that -- him more and six kicker Eric six figure -- 120 out and eat whatever I ski. And then another. At my lack fulltime job one as good lord junior staff members told me. About some behind me to a different occurred he moved. And didn't -- like that home Turkey -- capture college because she thought -- couldn't find a good paying jobs bill if I don't know people personally haven't they but I'll tell I'm. You know I'm not millennial and I. -- they didn't at different timing. You know I look at a picture night didn't you work no crying and I am -- and that. While you can do an extra than we ourselves. Yeah I think we. Had not all of our guys get back to. 54 years olds. That's that your baby boomer what is boomer yeah I was yeah well I'd vote not several generated record and there you know. We'll watch LaRoche what attracted you -- you wrote a book which is an easy thing to do what track. -- -- -- -- And for my -- common. And I pray a lot about it money and career in general and if you wish he'd keep an partially -- to do with the fact act and I -- you know nothing about herself and and because I mean very little I ended up in financial trouble. And that was kind of like when a pair of big questions -- training the and you think the thing is diet. Actually didn't quite apparent now and then like had the -- they're getting pat Patrick freelance thing. You're doing your bulletin for punishment like a lot of people -- Craig actually actually a -- what happened in the united -- and I didn't actually was not making money and strike went into that they try everything. You know I just -- Blake the public and it didn't connect. But nobody realizes actually the public that they -- know how to manage and run either and sound old when I was in my -- mid thirteenth but I realized that I it would gradually. Very -- racking up a little bit more critical today than I had a full -- job at -- -- educating myself I have to managing money and it was there you know because of how I personally turned myself around just let. -- education and that's. Brian and job opened up at a personal finance publication I interviewed for and they actually like not a personal experience -- an advocate during an interview that -- the fact the -- -- -- -- you know make you a good candidate because a lot of people who turn to cut her companion publications. I you know in that and a -- insurance -- but I realized I could -- a lot of you're younger people who. We're struggling lately you know like not being able to me and me and I connecting I feel like -- there say there were a lot of lessons I personally could impart her her. Yeah. No amount. That's really interesting. I mean much better financial advisor now at 46 having made a few of those mistakes myself there's one thing at the end up as a newly -- potential partner in his twenties could be telling people -- -- it is another thing it is another thing now to would have accomplished says think mark felt -- -- makes a mistake myself site. Completely relate to what you're saying -- -- like -- -- pentagon thank -- I used to teach yoga and I yelled during and there are like our friend saying that the better teachers -- lines she struggled let's yoga in the beginning. Where is the people who can't really easy favorite -- trying to teachers they could be occurred -- -- -- trafficking to either prevent it was very typical trip Amtrak train hit their peak. Yoga is never easy don't don't don't let Laura for the uh huh and Isabella you're gonna. It. Well I don't think they're glad Ed spoke to would respect -- -- to a candidate -- -- a lot of that all teachers were not the best golfers. And that's why they're good teachers it's good to have to work hard that they know a lot more about it. Let's hold that thought and continue to discussions. After the break. It's. Between ramping government spending in uncertainty about our economic future most Texans are having doubts about their own financial future. Are you ready to take a serious look at your financial goals using the experience the only certified financial planner practitioner is it worth point. Would you like a second opinion on your current advisor who may be selling you investments and insurance for commission's recent worth when he radioed I've come to make an appointment or call 8885447876. -- that's worth -- radio dot com 8885447768. Welcome back to worst point wealth watch giving you an unbiased people under the hood of wealth management. Investment and financial planning. Once again here's Christopher dance -- Welcome back off and we're having a great conversation -- and exuded. A contributor to Forbes dot com. And has written books on millennial holes and investing in personal finance. Before I forget let me remind you that you could find it on FaceBook where you can. And Twitter by searching work point with a -- we few here and you bear bait you send your questions will be happy to read my air war was just telling it how I after the close enough -- -- she decided to write about topic particularly well. Basically. I experienced a lot of things with personal finance myself and it is intermediate stop -- -- the economy and -- Having gone through this yourself who are anxious to. Continued that even now -- -- learn and ask should stricker and my finances and neck and he got credit card that he just learned that I'm -- evening I actually feel like you're really got my education and the topic from you know being a journalist covering this appeal even now. Been covering -- says it's great to me like maybe sorry if you. You know even now when I'm recording history and learn these things so I wouldn't yet I wouldn't think I'm an expert -- Yeah obviously I know where what architecture and she and I have question. Well -- -- I've often said that the -- that would really learn about what I know about estate planning from dateline lawyers who are sitting in on meetings and hear them council client has been a fly on the wall how the regularly get grilled by reporters and you got that. Tough question do you really hear your BS detectors darn good and you can talk to a lot of really Smart people I can imagine that you would accumulate a lot of hours doing what you do. Yeah I think in the point here I think when I was -- -- -- -- originally talked to -- about you know he's talking about -- holes and and you know the conversation came -- this -- -- -- subject her -- her clients I think it is because we yes there's this whole new generation of folks that are coming in and creating wealth -- -- Trying to not make mistakes that innocent people make -- but at same token. Her parents but a lot of money who wanna know how to pass -- money on an income of what they can teach. Their kids and I think a lot of things you're talking about -- like kind of money principals spend less in the -- an investor as early as you can and -- more I mean I don't know how more clear and concise you can hit well. Integrity of our last week yeah a local. Sort of a commentator writer blogger and he -- what he was told them what all the news of course Laura when I started doing that and early nineties. It was pretty much the same principles that work I think it may be what. What's harder for the bloody hell is that there are perhaps mentors. -- in their lives to our help. Helping them to learn these concepts. Although I ignore quite -- -- at my dad started he commuted. Two he's he's a boomer who's in his seventies and so you know as I look at these fundamental principles they certainly are the kind of thing you need to do -- that good foundation and ultimately become well I think. What really demystify well -- that monkey local. Wealthy people are and where you're sports stars and those people -- on TV movie well he. These people are people who have practiced these basic principle that you're writing about and you know affected you. Because you can -- schoolteacher or -- writer or firemen or a lot of different kinds of people different kind of jobs and really accumulated can't -- I think a lot of wealth and security if it's like you said you spent less that you learn you invested early and you can't and you earn as much -- You know how many ever get the twenties and early thirties in terms to do to indicate vacant lot cracked actor actor -- pretty hard to get turnaround if you don't pay attention these fundamental issue and I think -- browser and go. I was looking at that thing you -- I was so we wish that there were more education in schools for children. On these topics I kind of wish that that we can take yearbook and a have a video series that -- -- -- that would that we can keep our high schoolers and our junior -- you know these principles that they would change their blocks well according to stop them. When I chose that topic friends are great -- and topics and I try to blame -- I thought I I think the creatures that -- That's where all the things I wish I had done and I -- actually. -- in which is why they might Craig let me -- speculation -- amnesty that would -- actress committing acts. I don't. There's one thing I want it says. You know trying and here -- that you know in the title -- looking planned a career and money secret to succeed in today's world and that different -- -- -- and making it should will be ignored the plea from me like him he's kind of more interest hidden writings and like thinking how much money and making all day or more creative Hastert to anybody here. Maybe it -- thinking necessarily about -- -- -- about what he played here in the world stipulate that you approach your career even if you are approaching it in -- what is the march additionally a little -- feel. I'm looking and still have control of your money in and built well but he should just focus on Errol you get some of the chapter in my book. -- I'm -- cover how much you. What you really well what you're taught basically which. I know it sounds like such a link that should be six topic you would be surprised -- what people don't think about it. -- -- can get people to follow that advice that would be a beautiful thing it's if it's amazing how many people don't have group but that's probably good placed strictly about paused for break here and Chris review every last word for the break. I don't but I wanna pick up I -- explore that Laura we give back what you mean by that last point that last chapter and what we have to bring them. -- -- Between ramping government spending in uncertainty about our economic future most Texans are having doubts about their own financial future. Are you ready to take a serious look at your financial goals using the experience the only certified financial planner practitioner is it worth point. Would you like a second opinion under current advisor who may be selling you investments and insurance for commissions visit worth when he radioed I've come to make an appointment or call 88854478760. That's worth point radio dot com 8885447760. Welcome back to work quite well watch giving you an unbiased people under the hood of wealth management. Investment and financial planning. Once again here's Christopher dance -- Welcome back off we are happening great Jack Kevorkian. Two. Written a book on millennial and adapting and their money the middle and real. Game player career and money secrets to succeed in today's world. Think you. Court knowing the actual book titled Lola you know that's that's -- we're here Christopher Rebecca yeah but really the big one that's true right that yeah -- -- This on what I've I've read and -- in and talk nor it is coming this would be great if you're a young -- in the text field or even if you're a parent and you've got kids just 221 not to do and what -- -- -- are deployed again at some want about your book how to that you you can -- and -- which typically -- readers they have for instance if you can Billy -- -- -- and -- and if you have -- -- on apple you can download it there I am actually happened -- He can I -- company called duke spelled C at the picture of cocaine because it's available in pretty much all the greater part. Our kids these -- such as stern -- any trees -- as I've done you know. -- probably. What I wanted to pick up still in your book where you know where you talk about doing better off -- do your job what do you mean -- For one man -- -- -- -- -- -- for typically prefer dining county -- tube. I mean it did after an apartment and he had the cult theory about how. When people are passionate about -- saying it believed chemistry they kind of reshape their career question here you know like. What you lack -- what they really should be asking is how can help what can I bring that were holed it what you need is very tricky. And he -- that Eckstein take what he called a -- than -- -- which is funny but sitting right here only intruding into the canyon or helped you a lot more and herald and other experts say it but we're confident that it -- action to clean when you approached your job and it worked pretty Smart people just think like it's about responding quickly and we usually get -- people like how has this thing but what we don't and think about is getting beat back. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is a great story all the way around in I really like the perspective and it's a string when he talked about people changing from -- going here it's my -- you hear that all the time and also I really think it's important a lot of people think well you know I need a financial advisor to get to hear wealthy well really you need to focus on yourself and create wealth and have a partner in doing that -- -- actress for her. Scott I was asked him on a few when did your research I've also heard that. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- are who are you familiar with the Indian career -- that give them and you undergone any of that yourself. They're trying to line up your absentee and your ability I. Path it has its really funny that you -- connected -- -- -- I have at this time would really intricate in running personality cap on the whole team. It actually could figure what do you need to get people based on all of our personality -- you know we actually took. More than one -- that next week -- -- me any grandly get that strength. -- that we did -- branding if you had a remarkable I think that was actually the strength -- because the -- the -- that line -- and I -- that typically -- personality has taken it one year we considered -- he need to work on -- frank the -- finders and you're gonna get better like a little bit with what -- your inherent weaknesses -- -- with your strength he -- -- -- aren't a lot of hit you know technically expelling feel -- in and I found that when I kept it. I don't really need. I just literally that had kind of reached in my brain into -- -- species that eat pray that greatly discouraged but encouraged to place. At and I definitely aren't equated to. Did you did you would pit stop. Call in Asia Nolan and I know you're coming back next week Laura. So we're gonna continue to but this year's chapter specifically mention anything about certain. I'm now I don't worry and here at. At you because that is particularly for people who are already working -- -- and share it what he would keep -- job how'd you the truth. I'll let you know -- people and kicked it in agony that they've had began our best strength kinder. I mean grant and line your brain and you know. It is acting strong interest in the trade another line if you kinda like any career council circuit he couldn't he contracting and -- cast. That credit my experiences. And not fighting something that you like that you are good not worrying too much about trying to shore up your weaknesses -- A pretty Smart way to find -- example -- in your career who is the largest have been spent half that we're gonna be back next week. So we're gonna close today show I want to thank you all for being -- it and we will see you. Next week -- floor action part kids.