Brian Huhn
speaker
158 appearances
1 recordings
1 series
first heard May 2025
last heard May 2025
Brian Huhn’s voice in public audio — every appearance, attributed to the second.
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Appearances
You can get on that treadmill and run five miles a day every single day for six months, get shredded.
You know, you're lifting weights in there and you're getting all shredded.
And then six months later, 12 months later, you're back to your out of shape self.
Or you could just be the person that goes for a two mile walk every day for the rest of his life or her life.
As far as the mindset of continuously growing wealth, I always think about Warren Buffett because 99% of his wealth came after the age of 50 because he just stayed patient and consistent and he managed his emotions around investing in the stock market.
If you invest in something you believe in and you think it's going to grow over the long term because it's a sound business,
or you have a fund that's a collection of sound businesses, then you're not just gonna close up shop and sell the business just because you went through a month of a down stretch, right?
So I always try to think of it in terms of that.
If you have a properly, and I mean properly diversified stock portfolio, U.S., international, large companies, small companies, growth stocks, value stocks, we're getting a little technical here, but that's a pretty safe bet long-term.
You can pretty confidently say that's gonna grow by eight to 10% annually over time.
And knowing that, if it's gonna grow eight to 10% annually over time,
If you're pulling 4% or 5% off each year, maybe increasing that in years when the market does really well and decreasing it maybe in years when it doesn't do well, tightening up the belt a little bit.
then you're going to continuously be growing your assets above and beyond what you're withdrawing.
And I think that's how everybody should think about retirement investing.
One of the things that I do with my clients is I make sure that we have a sufficient amount of emergency cash in place.
I call it the liquidity sleeve.
And what I do is instead of just putting it in like a cash high yield savings account that's paying for four and a half percent or whatever, I split it up among like ultra short duration bonds that actually give you a good level of interest, a little bit of growth potential and.
really high level of stability.
We take that and we have a liquidity sleeve that might give them two years worth or three years worth of the amount of money they would be withdrawing off of their portfolio.
So that way, if we do get into that severe decline, which is known as a bear market, when we're below that threshold of a bear market, which is generally considered as 20% down,
Showing 121–140 of 158 · page 7 of 8
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