I'm Todd Miller of Isaiah Industries, manufacturer of specialty

metal roofing and other building materials, and today my co host on the

show is the illustrious, the infamous, Mr.

Ryan Bell.

How are you doing today, Ryan?

Hey Todd, I'm doing well.

How are you?

Doing well.

I've got a question for you.

Okay.

Why did the tomato blush?

Oh, he's thinking.

He's heard

I think I have, but I have no idea.

Because it saw the salad dressing.

Ha ha.

good one.

I have one for you

Ka ching.

Okay, what you got?

Why do people who live in Greece hate waking up at dawn?

So I'm now thinking it has to have something to do

with Dawn dishwashing detergent.

Oh, I don't know.

What is it?

Well, Dawn is tough on Greece.

Grease.

Oh, geez.

Good one.

Good one.

Well, very good.

Are we ready to delve into today's show?

Yes.

Let's get started.

So I will remind our listeners we are doing challenge words

on this episode where each Ryan and I and also our guest yet to be named, um,

has accepted a challenge word that we are challenged to work into the conversation.

So you, the audience can be listening for any peculiar

words or phrases we might use.

And at the end, we will tell you whether or not you guessed our

challenge word, or maybe we just won't even be able to work them in at all.

I don't know.

Let's go.

So, today we're going to delve into something that, for most folks, is

hopefully inevitable, retirement.

You may be young enough that you think retirement is so far off in

the distance, or you may be closer to that age and maybe you're starting

to give it some serious thought.

Whatever your situation is, retirement, I hope, is going to be in your future,

so let's discuss how it might impact you and how you can prepare for it.

To that end, we are thrilled to have Shawn Maloney as our guest today.

Shawn is the president and founder of RetireWise, a company dedicated to helping

individuals and families navigate the complexities of retirement planning.

With a wealth of experience and a mission to empower people for their financial

futures, Shawn brings unique perspectives and practical advice to the table today.

So Shawn, welcome to Construction Disruption.

Hey guys, appreciate you having me on.

Glad to be here.

Very good.

Well, tell us a little bit about your personal journey and, um,

how it influenced you to start RetireWise, uh, back, I think, in

January 2020, just about five years

Yeah, no, I appreciate it.

Yeah, it's been an interesting journey, right?

We, um, I, uh, graduated from college, got, you know, the typical

finance degrees, all that kind of jazz, um, got a job with a firm.

Um, and it wasn't quite what I ended up wanting it to be.

I'm going to get back to that in just a second in this story, right?

Um, life happens.

My dad was getting transferred.

I ended up having to take a job doing other things.

Right?

So go on for a few years.

I was still in the financial space.

Um, but later on, I was able to find myself, uh, back into

the realm where I wanted to be.

But if I go really far back, it all starts back.

Believe it or not, back in the eighth grade, when I was doing this stock

market game, um, back then, you know, before the internet, you didn't actually

use paper and, you know, tracked it.

And that got me hooked.

Um, and then, so I made my way through my career and, uh, you know, I kind of found

my, that purpose really young at a young age and it was really driven by that.

Um, and I found my way into working with some firms that, um, you

know, really fit my style better.

That first firm I worked for was more of the big wall street side

that kind of told you what to do with quotas and all that kind of jazz.

And then, uh, so I did that.

I've been doing it for, you know, over 20 years and then founded my company in 2020,

really from the standpoint of wanting to focus in on retirement planning.

Um, and what we really shifted our, our, our whole focus back in 2000, after 2008.

When everything went haywire, right?

And people, um, you know, we're not prepared for that.

And we're devastated with the retirement.

So we're very passionate about making sure people are prepared.

Uh, can wave through those things.

Don't find themselves in a conundrum with retirement.

Very good.

Interesting.

Cool stuff.

Well, tell us a little bit about your typical client.

And I, I know you're based in Atlanta.

Are you working with clients from all over or focused more there locally?

Tell us a bit about that.

Yeah, we work with everybody.

Um, obviously we're located in, uh, northeast, uh, northeast of Atlanta.

Um, we love working with people local, but we do have clients all over the country.

Um, we do things virtually and remote.

Um, that's not a problem at all.

Um, but, uh, we are, you know, our typical clientele, um, is really, really all

over the board from age and geographic.

Well, give us an overview of what RetireWise does and, you know, how

do you kind of differentiate yourselves from other financial planners out there?

Yeah.

You know, for us, um, we built a piece called our frameworks called

the retire happy framework, right?

We all want to retire happy, right?

There you go.

I want to retire miserable.

I don't know about you guys, but it's

people are going to retire miserable no matter what, but, you know.

Well, you know, if you become that old curmudgeon, then, you

know, that kind of stuff, I don't know.

That's beyond my scope of services,

There you go.

but you know, you work hard your whole life.

We want you to be happy.

We want you to enjoy it.

And so we built this framework where, yes, we dive in the financials and all

that, but it's just not about financials.

We want to.

Get to know you a little bit, figure out what your retirement, why is what you

want to do, and then build a plan and fund it around that, um, you know, and

see how far down that plan we can get.

If there's gaps, we'll figure out how to fill those.

Um, but we start with, and what I call the base happy factor is if you break

everything down into needs, wants, and wishes, if you can cover that needs

category, that's the peace of mind.

That's, you know, the sleep well factor at night, your bills are paid,

you know, housing, food, utilities, even the, some of the fun stuff.

Your base monthly expenses, right?

If we can do that and get you that, that's the happy factor.

And then we'll move on to the wants and wishes, those kinds of things.

Um, but so we built this framework kind of going through that process and it's

really all built on math and science as far as it will, of course, tied

to the, what you want to do and the personal side of things, but the way

the models come together, as far as how we plan, um, you know, it's a lot of

thought went through it really tied back to even people that, uh, Nobel prize

winners and, and, um, PhDs in economics and finance have put together concepts

around retirement planning that we kind of follow and mesh them all together.

So it kind of sounds like retire happy makes you guys

kind of the samurai, samurai of financial planners or something.

I like this.

man.

We bring out the nunchucks.

You got the secret sauce there.

That's great.

So we, we believe when we know that a lot of our audience members

here on construction disruption AEC space or maybe something else.

But.

Um, I'm just kind of curious.

How does that seem to impact, um, your client's approach to retirement?

Do you find that business owners typically are less prepared for, for

retirement financially or, or more repaired or more prepared, or maybe

no different than everyone else?

Yeah, it's a great question.

And we do have quite a few business owners and, you know, the first, my

gut reaction to that is, is that most.

Business owners are less prepared because they're concentrated on their business.

And as a business owner myself, of course, I'm in the retirement space.

I'm doing that.

But I could, you know, I can empathize because you're so concentrated

on your business and getting that running and moving forward.

A lot of times you're not thinking about things down the road for yourselves or

what we get a lot is business owners come to us and, you know, they're,

they're getting closer to retirement.

And this is kind of true for everybody that when you think about it, you

know, everybody has that old crap moment where, you know, your kids are

graduated from high school or college.

You have your 1st grand baby or whatever it is.

You have that life moment.

They go, wait, I got to start turning the attention to me and what my future holds.

Business owners are no different.

Um, sometimes they catch on that a little bit later.

But the way I look at it is, you know, it's never too late to start.

Everybody deserves a plan.

Let's figure out where you're at.

I would encourage business owners, though, when you start a business.

Um, or if you're just hearing this now and you have a business, just, just pause

for a minute and start thinking about that because there are action items and

plans and things you can do, whether, you know, however, big or small it may

be, um, to get that started for you.

Um, and it, you know, it could be an array of different things, just

like everybody's retirement plan is, uh, not a 1 size fits all.

Everybody's business, um, you know, is a little bit different and, you

know, we can help you figure that out.

You know, I think a lot of business owners sometimes will just

assume, well, someday I'll sell my business and that will fund my retirement.

But I've seen so many people go down that path and for whatever reason,

when they go to sell their business, they find out it isn't worth nearly

what they had hoped it would be worth.

And, uh, so it kind of leaves them in a bad spot.

So, uh, it sounds like, you know, you're, you're happy to help someone with a

plan no matter their age or, or life.

point.

But gosh, if they come to you earlier, you can probably get them a whole

lot better prepared, I suspect.

Yeah, it makes it easier, you know, and this financial

plan and retirement plan is 1 of those things that everybody kind of

says, yeah, yeah, I got to do that.

I'll get to that.

I got to do that.

And it keeps on getting kicked down the road.

Right?

Um, yeah, if you can start, they'll, you know, of course, if you can start

earlier, the easier it is, because it's last, not as sacrificial.

I should say, if you start earlier, right?

You don't have to put away as much to get to that goal.

But if you waited a little bit.

Yeah.

Uh, you know, start don't matter.

Don't be embarrassed about where you're at.

Just let's start, let's figure it out and how to get there.

But, uh, for the younger generation out there, if you're listening, yeah, make

it easier on yourself and life happens.

You're going to put a plan in place.

Life's going to happen.

We're going to pivot and adjust.

Uh, but then you get back up on it.

Yeah.

Makes a lot of sense.

You know, something I think is kind of interesting.

A lot of times folks who are in the construction industry, I mean,

maybe they're a contractor or maybe they're even on the design end of

things, but a lot of times they sort of have irregular income patterns.

I mean, you know, you may go through a.

period of time where, you know, the cash is just rolling in and

then you go through a tight time.

Um, what tips would you have for them with retirement planning if

they do have that pretty sort of irregular up and down, uh, income?

Yeah, that's a great question.

And it really is.

You still got to have a plan and it's all into the tracking of it in the mindset.

So you want to have a plan in those months or those periods of time where you're

not putting as much aside, you know, you track that and figure out, you know,

how much you need to catch up later on.

But the biggest thing is not getting discouraged in it.

Um, you know, the plan could be adjusted and it can be

reworked, but you don't want it.

It doesn't mean that you have to totally go off the with it.

The preservation, right?

You don't have to totally change your plans.

Let's keep toward the eye on the goal.

Don't get discouraged.

We'll, we'll just track that.

And remember during the good times to replenish that, just like if

you're a person that has, uh, an emergency savings and you have to

dip into it to go fix the car or your dishwasher just blew up, right?

Well, you want to replenish that emergency fund.

I don't want to do the same concept with your retirement plan.

It is, um, let's keep tabs on it and see if we can't replenish it if we can.

Very interesting.

I know that over the years, there have been a lot of.

Um, what are some of the ways that you have seen retirement planning change over

the years with sort of, you know, changing programs are out there, changing economic

landscape, um, even changes in culture.

I mean, do you find that people maybe are starting to think

differently about it than they used to with different generations?

I'm, I'm just curious.

No, for sure.

And I tell people all the time, look, retirement planning today is not what

it was for our parents or grandparents.

You know, it's a little bit different.

Um, 1 of the biggest reasons is, you know, no longer companies offering

pensions, um, only about 7 percent of companies offer a pension when, you

know, when you start with them and then the ones that do have a pension, about

50 percent of them are underfunded.

Um, that's a whole nother story for another day that you

want to make sure we look at.

But, you want So it's not, it used to be, Hey, you got social security,

you had a pension and maybe a little bit of savings that, you know,

supplemented that a little bit.

Um, that, but nowadays, you know, pensions now shifted to 401ks, um,

which puts the onus back on us as, as individuals to plan our own retirement.

Right.

Back in the day, you just retired and went, Hey, great.

I'm going to take my pension pay, pay, uh, payment, my social security payment.

There was nothing to plan, but you know, now, uh, yes, the money's going

into the 401k and other vehicles.

Uh, but then you got to, here's the key is you got to figure out

how to use that after you retire.

Right?

How are you going to regenerate that paycheck?

Biggest thing is, you know, not only do you have to diversify your portfolio,

it's, it's not just, Hey, I'm not going to put all my money in 1 stock.

It's there's different types of retirement investment vehicles

that all serve a different risk.

Uh, and that has evolved over the years.

There's newer things.

There's different strategies, especially from what our parents

and grandparents were doing.

Yeah, very interesting.

Um, well, probably the day before.

So people will start hearing this podcast when we release it.

Our country would have embarked on an administration

change at the federal level.

I'm just kind of curious, any crystal ball ideas on the impact

that the new administration might have on retirement planning?

Yeah.

You know, those crystal balls are

Yeah, yeah, absolutely.

They are in my business, too.

I wish I had that crystal ball, but it does have an impact, right?

We keep an eye on anything that affects the economy and the markets and certainly

the political environment, um, and the policies that are put in place do that.

Um, you know, with the administration coming in there, um.

Yeah.

You're probably going to see a little more focus on, you know, uh,

economy and financial structure.

Um, those kind of things yet to be seen what, uh, they're

going to be able to implement.

There's a lot of ideas being thrown around.

Um, there's also a lot of ideas being thrown around that, you

know, I think are far fetched.

Um, it'd be great, but you have to pay for it somehow, right?

We're going to be in a little wait and see.

Anytime we have a change in administration, there's a little bit of,

um, a little bit of turbulence, you know.

But overall, I'm positive on the outlook, um, you know, of where

the new administration can take us from a financial standpoint.

But there could be changes, right?

There are some proposals out there that could affect our retirement planning.

Um, and we've got to keep an eye on that.

Of course, we're going to keep everybody up to date when

those things come to fruition.

But Overall, I'm in a positive light with it.

Sure.

Good.

Um, you know, I think one of the things I heard about was the possibility

of no longer taxing Social Security.

Was that, but, but on the other hand, most folks, by the time you're

drawing Social Security, you're in a pretty low tax bracket anyway, so

is it really as great as it sounds?

Well, you know what?

It's great that you bring that up because taxes in retirement are a huge roadblock

or a huge speed bump for people, right?

And there's a retirement tax time bomb.

I mean, if you don't plan for it, right, you could really get hit up, whether

it's taxes on your social security, that a lot of people don't even think your

social security benefits can be taxed.

Um, or required RMDs or required minimum distributions requiring you to take

money out that throws you in a different tax bracket, there's a lot of different

things that we need to plan for.

Um, and the Social Security tax, it's very interesting.

I would love if they could do that.

Here's the thing.

Uh, let's we got to, they got to fix Social Security 1st, right?

Because if they don't tax Social Security, that just put Social Security further

down the path of being insolvent.

sure.

Right.

So we got to fix their security before they can even do that.

Um, and there's some proposals out there to fix social security.

They're not on the floor, but they're in the committees.

Um, you know, so we're not too, too worried about it, but there

is going to be some adjustments.

I can tell you that.

Yeah, interesting.

Um, any success stories come to mind as far as someone who benefited from

RetireWise's approach and your help?

Yeah.

You know, this is where, uh, where it gets into.

I love doing what we do.

We're blessed to be able to help and serve people.

Um, and while we're so passionate, is that the biggest thing I enjoy.

And I'll tell you an exact story is, uh, when a couple comes in and they

don't think they have enough, they're kind of worried about where they're at.

Um, that, you know, they're not going to have enough for retirement and

they're not really sure what to do.

Um, we had a couple, well, I'll just tell you 1 recently, um, they came to

1 of our classes that we teach came in and they saw us, um, and you can just

kind of see they were tense about it.

Um, and when you're talking to them, um.

You know, they were just really worried about where they were going to end up and

what they were going to be able to do.

And they wanted to do a lot of different things.

I mean, of course, provide for themselves, but they also wanted to have a little

bit of fun and do some charity work and those kind of things, but they

really didn't think it was possible.

And.

I love the look that comes over their face and their shoulders go down and

they get relaxed when you tell them they're going to be okay, right?

They had a, they had accounts that were all over the place at several

different accounts from different employers, different savings, all

these different things all over the board, but they didn't have a plan.

Right.

And here's the thing, guys, is you got to have not just the accumulation,

you got to have a drawdown place.

We put a drawdown plan in place for them that really laid out a

roadmap to how they're going to spend that money in retirement or

in where it's going to come from.

And here's the thing is most people.

Well, I don't say most people, but a lot of people don't have to have as much as

you may think you have to need, right?

It really depends on a lot of different circumstances, but they came in not

thinking they had enough came off out of the office after obviously a meeting

or 2, putting the plans together, having that happy factor and that

peace of mind that, hey, they're gonna be able to enjoy their retirement.

Um, you know, it's really about sometimes it's just about organizing

it and planning it out the right way.

So, let's say we have a listener out there who has

done absolutely nothing so far.

And, you know, maybe they are younger.

Let's say they're in their early 30s or something.

Um, you know, other than enlisting the help of your firm.

You know, what are some practical steps that they could take right now

to improve their retirement outlook?

Yeah.

I mean, obviously 1st thing is start.

Sure.

Right?

But you want to get back to being disciplined on a, on a

monthly, um, uh, you know, setting aside money on a monthly basis.

If you're not participating in your 401k start right now.

Take advantage of the, of the matches.

If you have a 401k at your company, we're, I love 401ks because it encourages

people to, um, uh, to save for retirement and take advantage of the match.

That's free money, free returns.

But I also recommend people don't put more into your 401k than what

the company's matching, um, because you can take that money and do much

better elsewhere outside of the 401k.

We can explain that for days, but because you got more options, more flexibility.

But 1st step is take, make sure you're taking advantage

of what's available to you.

The other thing is a lot of people don't like to budget and I'm not here to tell

you, you have to be a, you know, a guru on budgeting and be all strict about it,

but do it at least for a little while to track your expenses, to figure out.

How much can you set aside?

Right?

A lot of people don't they get a paycheck and they just spend the

money and they have money left and they just go on to the next month.

Of course, I love budgeting, but at the same time, track what you're

spent where you're spending is good.

If you don't think you have enough, we'll track it for a few months.

And see where your discretionary spending going, and then let's

weigh the opportunity cost, right?

Okay.

Is buying the 6 things of Starbucks every week, you know, worth it?

Or is it worth to put a few bucks in your retirement account?

What's the opportunity cost of not saving for retirement?

Right?

Go into it with that mindset.

Enjoy life by all means.

Don't, you know, but.

Also see where, see where you can really carve out a little

bit to save aside if you're not,

Yeah, makes a lot of sense.

Good advice.

So, let's say someone does want to engage, uh, RetireWise to help them out.

Um, what does that look like for them to get started with you folks?

yeah.

So we set up, we have a free consultation.

Um, you set up a meeting with us.

We just get to know you, you get to know us a little bit, learn about you

and what you want to do in retirement, what, where you're currently at,

you got, you know, we'll tell you about us and, and how we do things.

See if it's a fit for you, um, and a fit for us.

And then, um, we will do that first initial analysis and we'll

even give you the first pass at a plan, all part of the consultation.

Um, we're firmly believe in, you know, we about people being educated

with the right retirement planning and we're and we love what we do.

And we're confident in how we build plans that we hope that you

choose to move forward with us.

But it's a simple process through that free consultation.

We build a plan and see if it works for you.

And then we'll decide, you know, see what the next steps are after that.

We try to do the heavy lifting.

Um, you know, a lot, a lot of people don't like talking about their money and,

and they're, they're buried in all that kind of stuff, but we try to make it easy

and I tell people, look, if we weren't friends before you came to work with us,

we're going to be friends afterwards.

We're going to get to know you, um, do, do that journey with you.

Well, I love that.

Good stuff.

Now, I know that in your spare time, I'm sure you've got tons

of that, you also have a podcast.

Um, tell us a little bit about your show and what you do there.

Yeah, I appreciate that.

So my podcast is called the priority retirement.

It's named after my book.

That's also the priority retirement.

Um, and we named it that just for that fact that that fact of priority, uh, so

many people, as we discussed earlier, put off planning for retirement, or

I'm going to get to it another day.

Like we talked about, let's make it a priority because you know,

what make making it a priority and planning and putting a little bit

of time into you, uh, is going to.

Okay.

You know, investing in your future to have a solid 20, 30 years of

retirement that you can enjoy.

So let's make it a priority.

Let's, uh, you know, we all work, um, you know, so we can enjoy that retirement.

Let's put the right plan in place to do it.

So on that podcast, you know, we have all kinds of guests on from, uh, colleagues

in the industry to other planners, to state planners, Medicare people.

Um, sometimes we just have clients on the talk about, you know, their experiences

or people that aren't clients that are just talking about their retirement.

So pretty well rounded just to kind of get different flavors and talk through.

What is retirement plan?

Well, I think that's fascinating and, you know, we all get

inspired or get ideas or, you know, whatever by listening to other stories.

So, I love that and that's a power of podcasting for sure.

Yes, sir.

So, your book, The Priority of Retirement, um, if someone's

interested in that, how can they get it?

Amazon, or can they buy it through your website, or how

can they most easily get it?

Yeah, the easiest way is it's it's on Amazon.

Just search for the priority retirement.

It's out there.

You can get it paperback hardback audio book.

Kindle all that jazz out there.

It's easy to find.

Oh, great.

Very good.

Well, we encourage folks to do that.

Well, Gosh, you've been a great guest, been a good discussion.

We're thankful for the time today.

Um, we're close to wrapping up kind of what we call the business

end of things, anything we haven't covered today that you'd sure

like to share with our audience.

I appreciate that.

You know, it's my biggest message.

Everybody is is, um, you know.

Get started, but the biggest thing is what I alluded to earlier is, uh,

only about 10 percent of Americans have a true retirement plan.

A lot of times you ask, there was a Harvard study done and it

asked people thousands of people that had a retirement plan.

And they said, yes, well, okay.

When they asked the next question, they dug into what they had was an account.

They didn't have a plan.

Right?

And then if you dug a little bit deeper into it, they had an accumulation plan.

I'm setting aside X amount of month, um, or whatever.

Sure.

But only 10 percent of people actually had that drawdown distribution plan.

That's where the magic happens.

That's where, what makes your retirement, the happy piece that gives you the peace

of mind, um, you know, is you gotta have that drawdown phase accounted for.

That's what we love to do.

I encourage people, whether you work with us or anybody else is

get that drawdown plan in place.

Um, so you can have that happy retirement, a

Great.

I love it.

Well, thank you again.

Before we close out, um, I have to ask you if you're willing to participate in

what we call our rapid fire questions.

So, uh, Shawn, these are seven questions.

Some may be serious.

Some may be a little less serious.

All you have to do is give a response.

Are you up to the challenge of rapid fire, having no idea

what we're about to ask you?

little scared, but let's do it.

Okay.

Well, we can alternate asking questions, Ryan, would you like to ask the first one?

I would love to question number one.

What is a product or service you've acquired?

Recently, that was kind of a real game changer for you.

Product or service.

Um, you know, we really started expanding, uh, Services holistic stances.

We have always factored in a state planning because that's

really part of the equation.

But now we have tools and partners that make that process

so much even smoother for people.

Um, and it just makes for a more well rounded relationship

in 1 stop shop for people.

Love it.

Good stuff.

So, you told us earlier that the eighth grade, Shawn, was involved

in this, um, stock market game.

And I remember doing that in middle school also, so I was right there with you.

Um, but I'm curious, go back a few years before that.

What did the eight year old Shawn Maloney want to be when he grew up?

I love that question.

Uh, in fact, in part of my bio, I talk about even at the young

age of kindergarten, I remember going out and grabbing my mom

and dad's junk mail, right.

And playing office, right.

I mean, I was, I mean, I went outside and played like a normal

kid, but I was probably a little geeky as well, where I played office.

I always wanted to be a business owner, right.

I always wanted to be that businessman.

Uh, and then in the eighth grade, the whole stock thing

came around with the finances.

Oh, let's put those two together.

Oh, that's cool.

That's cool.

Yeah, you just reminded me of something that's not quite like that

But similar I did as a child too that I haven't thought about in ages.

So good stuff.

Next question.

Um, would you rather have the ability to see 10 minutes into the

future or 10 years into the future?

Wow, that's a deep question.

Um, you know what?

Uh, probably 10 minutes.

You know what?

Because, you know, we're going to live our life.

Life's a journey.

Um, we're walking our journey and, and, um, you know, God

has a purpose for us all.

And we're going to get there one way or the other.

Um, we're just going to live it one step at a time.

So I'm just,

Great answer Okay, next question.

This one's a little more silly.

Would you rather be chronically underdressed or chronically

overdressed for the occasion?

well, from an embarrassment factor,

uh, probably overdressed.

Uh, while I like to be more casual, um, I don't like to be embarrassed either.

So I'll go with the overdressed

My wife and I attended a wedding recently, and I had never

been to a wedding before where it said this, but it said formal attire.

And I'm like, I don't really know what that means.

I don't have a lot of formal attire in my closet these days.

So I lived for several months very nervous that I was going to show

up entirely inappropriately dressed but in the end it all worked out.

Next question.

Are you an early bird or a night owl?

both.

But more early bird early riser.

I used to be more of a late, late owl.

Now I'm getting older and get tired quicker.

So I'm going to go with early.

Man I fall asleep on the couch about 7 o'clock every night anymore.

Crazy.

Okay, next to last question.

What is the strangest food you have ever eaten?

I don't know, probably just venturing off into some, uh, different

kinds of seafoods and stuff like octopus

Mm hmm.

of, uh, I mean, I like a lot of different

things, but I'll go with that.

That's probably didn't want to try that, but I was like, okay, I can try it once.

There you go.

Okay.

Final question.

Pivoting here a little bit into something more serious.

What would you like to be remembered for at the end of your days on earth?

Wow.

That's deep.

Yeah,

You know, um, It really just being someone that was willing to

serve and help, help others, um, and, and be willing to do that with a smile

on their face and not expecting anything in return, um, just service oriented.

Servant leadership.

I love it.

Good stuff.

Well, thank you, Shawn.

This has been great.

Thank you for your time today.

For anyone who wants to get in touch with you or, you know, perhaps learn more about

RetireWise and what you folks do, what are some of the best ways for them to do that?

Yeah, easiest things probably got to the website.

It's retire wise pro dot com.

Uh, we're actually in the middle of redoing the website.

So check it out now and then check it out in a few weeks.

It's going to be all new.

Give you a surprise.

So retire wise pro dot com hit us up.

Uh, you can email me at Shawn Maloney at retire wise pro, but

you can just go to the website.

You can find our social links there, email, phone calls, all that kind of.

Very cool.

And we will put that information in the show notes as

Thank you.

So, I think we all got in our challenge words, didn't we?

Shawn, your word was

Conundrum.

and you got it in there, didn't you?

Yes, sir.

Yeah, I thought so.

Okay.

And Ryan, you saved it for the last minute.

You had us on the edge

always do.

My word was pivot.

You got pivoted there.

And I had samurai, which I stumbled when I said it.

I thought, oh, that's a dead giveaway when you stumble when

you're saying it, but anyway.

I think you still pulled it off.

We'll give you credit.

Thank you.

I appreciate your grace.

That's for sure.

Well, thank you again, Shawn.

It's been a pleasure.

We enjoyed having you on the show.

Thank you for having me.

And thank you to our audience for tuning into this

episode of Construction Disruption with Shawn Maloney of RetireWise.

Please watch for future episodes of our podcast.

We always have great guests.

Don't forget to leave a review for us.

We love those thumbs up.

Until the next time we're together, though, keep on disrupting.

Keep on challenging things in your world, looking for better ways of doing things.

And don't forget to have a positive impact on everyone you encounter.

Make them smile.

And encourage them.

So God bless and take care.

This is Isaiah industry signing off until the next episode

of construction disruption.