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Rank #97 in Investing category

Business
Investing

The Retirement and IRA Show

Updated 8 days ago

Rank #97 in Investing category

Business
Investing
Read more

With Jim, Chris & Peter

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With Jim, Chris & Peter

iTunes Ratings

183 Ratings
Average Ratings
129
15
12
10
17

Quality vice Quantity

By ABQcrc - Jan 04 2020
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At first I agreed with other reviews about Jim straying off topic and not answering as many questions as they could if strictly focused. However, I have listened to many other retirement podcasts that quickly answer questions and move on to the next agenda topic. My conclusion after listening for one year is that the quality of the information and in depth discussions on this podcast are superior to other podcasts.

Finish more questions

By Camsterrocks - Nov 14 2019
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I just found this podcast. The guys are funny but Jim is like a dog that sees a squirrel. He can’t keep on topic for more then 2 minutes. Chris needs to keep Jim more focused so they can get more questions answered.

iTunes Ratings

183 Ratings
Average Ratings
129
15
12
10
17

Quality vice Quantity

By ABQcrc - Jan 04 2020
Read more
At first I agreed with other reviews about Jim straying off topic and not answering as many questions as they could if strictly focused. However, I have listened to many other retirement podcasts that quickly answer questions and move on to the next agenda topic. My conclusion after listening for one year is that the quality of the information and in depth discussions on this podcast are superior to other podcasts.

Finish more questions

By Camsterrocks - Nov 14 2019
Read more
I just found this podcast. The guys are funny but Jim is like a dog that sees a squirrel. He can’t keep on topic for more then 2 minutes. Chris needs to keep Jim more focused so they can get more questions answered.
Cover image of The Retirement and IRA Show

The Retirement and IRA Show

Latest release on Jan 18, 2020

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With Jim, Chris & Peter

Rank #1: Q&A: Preparing for Retirement and Roth Withdrawals

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What would Jim and Chris do with their last few years of free cash flow to prepare for retirement?

Listen in as they answer that question for a Virginia listener as well as a question from a Montana listener about Roth withdrawal rules.

The post Q&A: Preparing for Retirement and Roth Withdrawals appeared first on The Retirement and IRA Show.

Mar 16 2019

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Rank #2: Retirement Planning vs. Investing – EDU #1926

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How is retirement planning different vs. investing or managing a portfolio? Jim and Chris discuss some of the complexities of retirement planning and share a bit of their approach to developing a comprehensive retirement plan.

The post Retirement Planning vs. Investing – EDU #1926 appeared first on The Retirement and IRA Show.

Jul 17 2019

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Rank #3: Edu: Naming a Trust as a Beneficiary

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Do you have a trust named as a beneficiary, or are considering it?

Tune in to Jim and Chris as they cover the naming of a trust as a beneficiary on an IRA, including pros and cons and how to prevent common mistakes.

The post Edu: Naming a Trust as a Beneficiary appeared first on The Retirement and IRA Show.

Jan 30 2019

1hr 5mins

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Rank #4: Edu: Tax Optimized Spending with Bucketing

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A question from a Texas listener inspires Jim and Chris to take a closer look at Tax Optimized Spending with the Bucketing Strategy.

The good news is that planning your spending from your Buckets may not be as complicated as you think! Chris shares a simple way of determining how much to spend from your “always taxable”, “maybe taxable”, and “never taxable” buckets.

The post Edu: Tax Optimized Spending with Bucketing appeared first on The Retirement and IRA Show.

May 01 2019

1hr 14mins

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Rank #5: New Roth Conversion Strategy: EDU #1940

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Now that you can no longer recharacterize, do you need a new Roth Conversion strategy? Chris discusses how the loss of recharacterization ability can affect not only how much you convert into a Roth, but when you choose to convert it.

The post New Roth Conversion Strategy: EDU #1940 appeared first on The Retirement and IRA Show.

Nov 06 2019

1hr 9mins

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Rank #6: Retirement Spending Strategy – EDU #1930

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Jim and Chris address some constructive criticism from a long-time listener and take a detailed look at their “no-go, slow-go, go-go” retirement spending strategy. First they discuss their stance on mental decline with age and how that affects their planning methods. Then Jim and Chris turn to why they encourage people to spend more during their “go-go” years.

The post Retirement Spending Strategy – EDU #1930 appeared first on The Retirement and IRA Show.

Aug 14 2019

1hr 8mins

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Rank #7: Edu #1921: Bucketing with Annuities

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Have you encountered an Advisor who recommended Bucketing with annuities predominantly? On this Edu episode, Jim and Chris respond, in-depth, to a listener looking for clarity on using annuities as their “buckets”.

The guys discuss reasons to be cautious and the steps you can take to ensure that you’re not just being sold a product package.

The post Edu #1921: Bucketing with Annuities appeared first on The Retirement and IRA Show.

Jun 05 2019

1hr 28mins

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Rank #8: Q&A: Retirement Readiness and Minimizing Taxes

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Whether you’re 35 or 55 you’re probably thinking about your retirement readiness. Who hasn’t asked “Can I retire yet?” at some point? This week Jim and Chris answer that very question from a Minnesota listener.

Jo Madonna,  an Enrolled Agent, also joins the guys again to answer more listener questions about minimizing taxes.

The post Q&A: Retirement Readiness and Minimizing Taxes appeared first on The Retirement and IRA Show.

Mar 23 2019

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Rank #9: Q&A: Early Retirement Roth Conversions

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If you retire early, is it wise to use the years before reaching full retirement age to do Roth Conversions at a lower tax rate?

Join Chris and Jo as they answer a multi-part question from a Washington listener about using early retirement years for Roth Conversions. They discuss important considerations, annual conversion targets, tax implications, and more.

The post Q&A: Early Retirement Roth Conversions appeared first on The Retirement and IRA Show.

May 04 2019

32mins

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Rank #10: Edu #1924: Backdoor Roth Contributions and The 4% Rule

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On this edition of the Retirement and IRA Show EDU, Jim discusses his thoughts about the AICPA Conference he recently attended. He and Chris discuss the 4% Rule, as well as Backdoor Roth Contributions.

The post Edu #1924: Backdoor Roth Contributions and The 4% Rule appeared first on The Retirement and IRA Show.

Jun 26 2019

56mins

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Rank #11: EDU: Philosophy of the Bucketing Strategy

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Previously when discussing “Bucketing,” Jim and Chris have primarily focused on the “how”.  On this podcast, they focus on the “why” and explain the philosophy and justification for the bucketing strategy.  The guys also discuss a recent academic study from Barcelona, Spain that questions the viability of bucketing as a retirement planning strategy and explain why they disagree with the researcher’s findings.

The post EDU: Philosophy of the Bucketing Strategy appeared first on The Retirement and IRA Show.

Jan 16 2019

1hr

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Rank #12: Financial Adviser Fees, Part 1: EDU #1933

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Can Jim and Chris really spend more than one episode on Financial Adviser Fees? (You might be thinking the real question might be “Should they?”.) According to the guys, the answer to both questions is a resounding “Yes!”.

Join Jim and Chris as they begin to explain the many types of fee structures that Advisers and Planners use as well as the regulations behind those fees and how it all relates to the consumer.

The post Financial Adviser Fees, Part 1: EDU #1933 appeared first on The Retirement and IRA Show.

Sep 11 2019

1hr 12mins

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Rank #13: Edu: Minimum Dignity Floor and Bucket Planning

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What is the minimum dignity floor and how does it work with the bucketing strategy for retirement planning? What are the factors to consider when planning for your Minimum Dignity Floor and how to cover it?

A New Jersey listener’s question prompts Jim and Chris to delve into the details of both what they call the “minimum dignity floor” and bucketing. If you’re still trying to figure out the details of your retirement finances this is a great episode for you!

The post Edu: Minimum Dignity Floor and Bucket Planning appeared first on The Retirement and IRA Show.

Mar 27 2019

1hr 12mins

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Rank #14: Edu: Basics of Backdoor Roth Contributions

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Even though sanctioned by the IRS, Backdoor Roth Contributions can sometimes be confusing! Jim and Chris discuss the basics of how this strategy works as well as pitfalls to avoid.

The post Edu: Basics of Backdoor Roth Contributions appeared first on The Retirement and IRA Show.

May 29 2019

46mins

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Rank #15: How Retirement Planning is Different – EDU #1932

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When you retire your life changes, so you need to look at your assets differently. In this “The Opposite Episode”, Jim and Chris explain how retirement planning is different than the financial planning you use to get to retirement.

The post How Retirement Planning is Different – EDU #1932 appeared first on The Retirement and IRA Show.

Sep 04 2019

1hr 5mins

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Rank #16: Edu: Options for Your 401k After Leaving Your Job

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There have been many changes to the job market over the last several decades, including the high probability that you will change employers multiple times. This means you are likely to ask the question, “What options do I have for my 401k after I leave my job?”. Jim and Chris take an in-depth look at 6 options for your 401k after leaving your job, and what to consider when deciding which option is best for you.

The post Edu: Options for Your 401k After Leaving Your Job appeared first on The Retirement and IRA Show.

May 22 2019

1hr 12mins

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Rank #17: Q&A: Roth 401k, POD Bank Account, HSA, Annuities

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This week Jim and Chris answer a follow-up question on using a Roth IRA vs a Roth 401k. An Illinois listener wonders if HSA contributions are part the maximum compensation deferral limit. Another listener writes in about using a payable on death (POD) designation on a bank account in order to avoid it going into probate.

Jim and Chris also get a live caller from New Jersey with a question about annuities. (Apologies – there is some background noise that could not be removed.)

The post Q&A: Roth 401k, POD Bank Account, HSA, Annuities appeared first on The Retirement and IRA Show.

Jan 26 2019

1hr 21mins

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Rank #18: Roth Contributions after Retirement, SS Overage, SEPP and Roth Conversions: Q&A #1944

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Jim is back at it with Chris as they discuss Roth contributions after retirement, how earning over the limit income will affect Social Security, and more!

(11:55) A listener asks Jim and Chris what is considered “earned” income and if he should continue Roth contributions after retirement.

(21:20) A Texan wants to know how earning over the limit income will affect her Social Security.

(28:25) A Virginia listener wonders if his wife can do SEPP and also Roth conversions within the same account each year.

(43:20) From Minnesota, a listener asks if there’s a good way to determine if a Roth conversion is a good idea.

The post Roth Contributions after Retirement, SS Overage, SEPP and Roth Conversions: Q&A #1944 appeared first on The Retirement and IRA Show.

Nov 16 2019

1hr 4mins

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Rank #19: Quarterly Estimated Payments, Early Retiring, & Distribution Management: Q&A #1947

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Jim pauses cheering on the New England Patriots to discuss with Chris some follow-up about 60-day Rollovers, quarterly estimated payments, early retiring, and distribution management.

(10:15) A Virginian mentions some resources related to 60-day rollovers.

(18:05) Tom Brady (just kidding!) would like to discuss quarterly estimated payments regarding taxes in retirement.

(31:25) A Green Bay Packers fan asks if the minimum dignity floor works for an early retiree.

(50:15) A listener from California wants to confirm with Jim and Chris his strategy for what to do with distribution funds.

The post Quarterly Estimated Payments, Early Retiring, & Distribution Management: Q&A #1947 appeared first on The Retirement and IRA Show.

Dec 14 2019

57mins

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Rank #20: Tax Savings for Beneficiaries, Roth Qualifications, and Inherited IRA RMDs – Q&A #1927

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Join Jim and Chris for another week of Q&As as they answer questions regarding qualifying to move money into a Roth, strategies to create tax savings for beneficiaries, and the rules for Inherited IRA RMDs (Required Minimum Distributions).

6:58 A retired Georgia listener wants a second opinion on whether he can move money from his 401k to a Roth IRA

22:35 A California listener wonders whether the guys’ advice about using life insurance to create tax savings for IRA beneficiaries also applies to Roth IRAs.

33:26 An Arizona listener needs to whether they need to take an RMD from a recently Inherited IRA, as well as how future RMDs will be calculated.

The post Tax Savings for Beneficiaries, Roth Qualifications, and Inherited IRA RMDs – Q&A #1927 appeared first on The Retirement and IRA Show.

Jul 20 2019

46mins

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Social Security Benefits, SECURE Act, Backdoor Roth Conversions, and More: Q&A #2003

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Jim and Chris answer 7 questions today in this episode, with topics ranging from social security benefits to the SECURE Act, to backdoor Roth conversions and more!

(2:40) LIVE CALLER! A gentleman from West Virginia asks a question about child Social Security benefits.

(14:00) LIVE CALLER! A gentleman calls in from New Jersey to talk about the SECURE Act and a private pension.

(33:20) A listener would like advice on what to do if Social Security has made an error and they don’t seem to be fixing it.

(37:30) Jim and Chris answer an email question about the SECURE Act and an inherited IRA.

(44:30) Another listener asks about backdoor Roth conversions and her SIMPLE IRA.

(54:00) A Californian would like clarity on a topic discussed in a previous podcast.

(1:02:00) A listener from Missouri wonders if his mother should change her beneficiary designation as a better financial strategy.

The post Social Security Benefits, SECURE Act, Backdoor Roth Conversions, and More: Q&A #2003 appeared first on The Retirement and IRA Show.

Jan 18 2020

1hr 21mins

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Alternatives to the Stretch IRA: EDU #2002

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Today Jim and Chris discuss the “work-arounds,” or alternatives to the Stretch IRA.  In past shows they’ve talked about the death of the Stretch IRA, and in particular with this episode they’ll dive into the new beneficiary category: the eligible designated beneficiary.

The post Alternatives to the Stretch IRA: EDU #2002 appeared first on The Retirement and IRA Show.

Jan 15 2020

1hr 7mins

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The 10-Year Mark, QCDs, Excess RMDs, 60-Day Rollovers, and Tax Deferred Accounts: Q&A #2002

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Our “Roaring 20’s” are in full swing now and Jim & Chris take on 5 new Q&A topics about the 10-year mark, QCDs, excess RMDs, and more!

(5:15) A Californian asks about divorcing at the 10-year mark if you’ve only lived as married for 2 years.

(10:00) Another listener wants to confirm if QCDs would still apply to a person who reached 70 ½ but who was not taking RMDs based on the SECURE Act.

(20:50) A listener from Georgia discusses the possibilities of excess RMDs, in particular the option of a Roth conversion.

(37:10) Another Californian asks a particular question in reference to the 60-day rollover.

(41:45) A third California listener would like advice concerning tax deferred accounts.

The post The 10-Year Mark, QCDs, Excess RMDs, 60-Day Rollovers, and Tax Deferred Accounts: Q&A #2002 appeared first on The Retirement and IRA Show.

Jan 11 2020

57mins

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The SECURE Act Part 2 – The Death of the Stretch IRA: EDU #2001

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Jim and Chris welcome the New Year (already a week in!) with a second part to their SECURE Act topic: in particular, how the SECURE Act impacts existing trusts that have been named beneficiaries to an IRA.

The post The SECURE Act Part 2 – The Death of the Stretch IRA: EDU #2001 appeared first on The Retirement and IRA Show.

Jan 08 2020

1hr 10mins

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Non-Taxed SS, Unexpected Life Changes, 401ks, IRAs and Other Investments: Q&A #2001

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The discussion for Jim and Chris today lands on topics such as non-taxed portions of Social Security income, unexpected life changes, and questions regarding 401(k)s, IRAs, and deferred compensation plans.

(9:50) An Illinois listener wonders if his un-taxed Social Security income will count toward MAGI for determination of Medicare premiums.

(18:55) Jim and Chris discuss a Utah listener’s comment about unexpected life changes that affect retirement and future planning.

(32:53) “George” from Seattle would like to know if he’s eligible to contribute additional funds on top of the maxed contribution already matched by his employer.

(37:26) A Browns fan asks some questions about his 457 NQP deferred compensation non-governmental plan.

(56:15) “Georgette” is wondering if she can move her current annuity (which is still in the accumulation phase) into an IRA.

The post Non-Taxed SS, Unexpected Life Changes, 401ks, IRAs and Other Investments: Q&A #2001 appeared first on The Retirement and IRA Show.

Jan 04 2020

1hr 23mins

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Summary of the SECURE Act: EDU #1946

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What is the SECURE Act?  The acronym stands for “Setting Every Community Up for Retirement Enhancement,” and Jim and Chris discuss this recent Act and the 5 key changes that affect retirees in legislation passed in 2019—including the death of the stretch IRA.

The post Summary of the SECURE Act: EDU #1946 appeared first on The Retirement and IRA Show.

Jan 01 2020

1hr 9mins

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Constructive Receipts, Living on Basis, Pension Plan Consultants, and More: Q&A #1948

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Jim and Chris discuss five questions today, such as the concept of constructive receipts, H&R Block, living on basis, and more!

(10:10) A listener provides a web resource related to the concept of constructive receipts as it relates to 60-day rollovers.

(26:05) A Marylander wants to know why Jim isn’t too fond of H&R Block.

(31:35) Georgie Girl is intrigued by “living on basis” and would like Jim to expand on this strategy.

(43:25) A Jets fan would like to know the name of the pension plan consultant Jim has mentioned in the past.

(1:02:10) Another listener would like help with how to inform the IRS of filing missing 8606 forms.

The post Constructive Receipts, Living on Basis, Pension Plan Consultants, and More: Q&A #1948 appeared first on The Retirement and IRA Show.

Dec 21 2019

1hr 18mins

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Determining What You’re Paying Your Financial Advisor: EDU #1945

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Jim and Chris address a listener’s email about how to determine what you’re paying your financial advisor.  This question stems from a previous podcast episode in which Jim and Chris discussed advisor fees—here they discuss confirming your fee calculations to be sure you’ve got it right.

The post Determining What You’re Paying Your Financial Advisor: EDU #1945 appeared first on The Retirement and IRA Show.

Dec 18 2019

53mins

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Quarterly Estimated Payments, Early Retiring, & Distribution Management: Q&A #1947

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Jim pauses cheering on the New England Patriots to discuss with Chris some follow-up about 60-day Rollovers, quarterly estimated payments, early retiring, and distribution management.

(10:15) A Virginian mentions some resources related to 60-day rollovers.

(18:05) Tom Brady (just kidding!) would like to discuss quarterly estimated payments regarding taxes in retirement.

(31:25) A Green Bay Packers fan asks if the minimum dignity floor works for an early retiree.

(50:15) A listener from California wants to confirm with Jim and Chris his strategy for what to do with distribution funds.

The post Quarterly Estimated Payments, Early Retiring, & Distribution Management: Q&A #1947 appeared first on The Retirement and IRA Show.

Dec 14 2019

57mins

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Fees in Equity Trades: EDU #1944

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Some questions have come up about fees in equity trades. Jim and Chris talk about how brokerage services can still make money even if they offer commission-free trades.

The post Fees in Equity Trades: EDU #1944 appeared first on The Retirement and IRA Show.

Dec 11 2019

39mins

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Recovering After-Tax Money, SS Estimates, and HELOCs: Q&A #1946

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December is already a week in (wow!) and Jim and Chris answer questions about recovering after-tax money, Social Security estimates, and HELOCs.

(10:29) A listener asks about recovering after-tax money in an IRA or QRP that has been annuitized.

(27:30) This question is about estimates provided by the SSA: do they assume that earnings in the prior year will continue until retirement?

(38:28) A long-time listener from New Jersey wonders whether Jim and Chris recommend taking out a HELOC as an added spending cushion.

The post Recovering After-Tax Money, SS Estimates, and HELOCs: Q&A #1946 appeared first on The Retirement and IRA Show.

Dec 07 2019

1hr

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Upcoming Year Tax Changes: EDU #1943

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Special guest speaker Jo Madonna (enrolled tax agent) takes the stage with Chris to discuss the year-end and upcoming year tax changes.

The post Upcoming Year Tax Changes: EDU #1943 appeared first on The Retirement and IRA Show.

Dec 04 2019

33mins

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AUM, Social Security Filing, Gin & Tonic, & RMDs: Q&A #1945

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In today’s podcast, Jim and Chris discuss listeners’ questions (or statements) about AUM, Social Security filing, the possibility of calling themselves Gin & Tonic on the show, & RMDs.

(9:55) A Marylander discusses AUM, referencing the previous show Jim & Chris did on the AUM model.

(27:58) A listener from New Mexico asks about filing for Social Security before full retirement age.

(32:35) A listener from an unknown state praises “Gym & Piss’s” podcast (or should they be called Gin & Tonic instead??)

(37:30) A New Jersey listener asks an RMD question as it relates to deferred variable annuities which have since been annuitized.

The post AUM, Social Security Filing, Gin & Tonic, & RMDs: Q&A #1945 appeared first on The Retirement and IRA Show.

Nov 23 2019

1hr 12mins

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ABLE Accounts: EDU #1942

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Special Podcast Alert: ABLE Accounts! Jim and Chris divert from their typical Retirement and IRA topics to discuss ABLE accounts, Special Needs Trusts, and how saving in private funds for individuals with disabilities can help them maintain health, independence, and quality of life.

The post ABLE Accounts: EDU #1942 appeared first on The Retirement and IRA Show.

Nov 20 2019

1hr 10mins

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Roth Contributions after Retirement, SS Overage, SEPP and Roth Conversions: Q&A #1944

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Jim is back at it with Chris as they discuss Roth contributions after retirement, how earning over the limit income will affect Social Security, and more!

(11:55) A listener asks Jim and Chris what is considered “earned” income and if he should continue Roth contributions after retirement.

(21:20) A Texan wants to know how earning over the limit income will affect her Social Security.

(28:25) A Virginia listener wonders if his wife can do SEPP and also Roth conversions within the same account each year.

(43:20) From Minnesota, a listener asks if there’s a good way to determine if a Roth conversion is a good idea.

The post Roth Contributions after Retirement, SS Overage, SEPP and Roth Conversions: Q&A #1944 appeared first on The Retirement and IRA Show.

Nov 16 2019

1hr 4mins

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2020 Social Security Changes: EDU #1941

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2020 Social Security changes are almost here! Chris takes the opportunity while Jim is elk hunting to discuss the new year’s Social Security changes.

The post 2020 Social Security Changes: EDU #1941 appeared first on The Retirement and IRA Show.

Nov 13 2019

24mins

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Restricted Spousal Benefits, Survivor Benefits, Laid-Off Effects: Q&A #1943

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While Jim is out elk hunting, Chris flies solo answering topics about restricted spousal benefits, survivor benefits, and laid-off effects on Social Security.

(4:10) A fellow Coloradoan asks questions about benefit amounts after filing for restricted spousal benefits.

(9:55) An Oklahoma listener wants to confirm information about survivor benefits.

(13:40) A Georgia listener would like to clarify the meaning of “income” in regards to the Earnings Test.

(18:00) A North Carolinian asks if her survivor benefit will be reduced if she starts withdrawing at a certain age.

(23:05) A listener from Kansas wants clarity on the timing and mechanics of the Earnings Test.

(27:15) A Californian would like to know how being laid off will affect Social Security benefits.

The post Restricted Spousal Benefits, Survivor Benefits, Laid-Off Effects: Q&A #1943 appeared first on The Retirement and IRA Show.

Nov 09 2019

36mins

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New Roth Conversion Strategy: EDU #1940

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Now that you can no longer recharacterize, do you need a new Roth Conversion strategy? Chris discusses how the loss of recharacterization ability can affect not only how much you convert into a Roth, but when you choose to convert it.

The post New Roth Conversion Strategy: EDU #1940 appeared first on The Retirement and IRA Show.

Nov 06 2019

1hr 9mins

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Annuities within Stretch IRA, 10-Yr Rule, Roth Conversions, SS Benefits: Q&A #1942

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Jim and Chris address the topics of the 10-Year Rule, annuities within a stretch IRA, Roth Conversions, and if Social Security benefits are affected by remarriage.

(18:15) A listener from Georgia asks how specific the 10-year rule is.

(23:45) A Floridian asks how annuities are affected if a stretch IRA goes away.

(33:00) A Tennessee listener seeks wisdom when considering paying the taxes on a Roth conversion.

(50:40) An Illinois listener wonders how remarriage might affect his SS benefits.

The post Annuities within Stretch IRA, 10-Yr Rule, Roth Conversions, SS Benefits: Q&A #1942 appeared first on The Retirement and IRA Show.

Nov 02 2019

1hr 8mins

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Missed 60-Day Rollover Deadline: EDU #1939

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What happens with a missed 60-day rollover deadline? Jim and Chris discuss past situations by reviewing the IRS’s PLR (private letter rulings).

The post Missed 60-Day Rollover Deadline: EDU #1939 appeared first on The Retirement and IRA Show.

Oct 30 2019

43mins

Play

iTunes Ratings

183 Ratings
Average Ratings
129
15
12
10
17

Quality vice Quantity

By ABQcrc - Jan 04 2020
Read more
At first I agreed with other reviews about Jim straying off topic and not answering as many questions as they could if strictly focused. However, I have listened to many other retirement podcasts that quickly answer questions and move on to the next agenda topic. My conclusion after listening for one year is that the quality of the information and in depth discussions on this podcast are superior to other podcasts.

Finish more questions

By Camsterrocks - Nov 14 2019
Read more
I just found this podcast. The guys are funny but Jim is like a dog that sees a squirrel. He can’t keep on topic for more then 2 minutes. Chris needs to keep Jim more focused so they can get more questions answered.