everyone has their own unique views and needs when it comes to financial success if you'd like to leave your financial woes behind and live a life of Financial Freedom you've come to the right place welcome to the saving with Steve show hosted by Steve Sexton the show will help you with the ins and outs of money we talked about financial issues that could be costing you thousands of dollars and keeping you up at night we talked about money tax reduction saving more spending less 401K risk management retirement and everything under the sun that relates to you having a healthier happy relationship with money now here is your host of saving with Steve Steve Sexton your relationship with money my name is Steve Sax and I want to welcome you today you know what our viewers and listeners are growing we have over 500,000 listeners throughout the United States almost 100,000 more overseas<br>keep going keep going I want to thank my nephew lives at MFM 247b vs Radeon UK help radio for sharing the word and making sure people can live a life of personal and Financial Freedom last week we had Erica Wasserman your financial therapist talk about the five quick tips that you can help develop Financial Wellness wonderful episode if you'd like to go see it to go to sing with me. You ass at city was Steve dog us and look for episode 90 by the way you can go take a look at all the episodes behind-the-scenes stuff get your guest gifts and more so check out that dating with Steve. You asking if you have a topic that you would like us to talk about like this next one coming up head go to viewers at saving with Steve let us know what your topic is and you might be seeing that pretty soon now I'll be talking about you know how to retire during a recession which were dealing with right now but today let's just get to that topic August is Adventureland one of the best ways to see the US and the rest of the world is through an RV<br>text Gigi going to take your own pace and have to worry about booking a hotel and Air flight you know what using an RV as alternative travel to a car a plane or hotel to help you save money and create more relaxed travel experience we have Tom Hammel he's the Army director Kuni Auto and RV groups of Tom welcome to the show one of the cool things here as we've got a number of people that we're looking forward to this cuz we kind of breed Dupree did it cuz we have a lot of listeners that like our meeting and I have a lot of relatives of arving so you know I am looking forward to this a lot in your experience with the questionnaire I know that Coon Auto and R&B group know you got 40 locations or 13 specifically just set for RV so you guys have a lot of experience as you deal with a lot of people they have you know what everybody probably talks about their travel experiences the sociation is are involved with in the events that they have but you know any recipes<br>what is an RV director Coon can you share more about the rise in RV travel in the last few years but I exploded the last couple years after covid lot of growth in the business I think what does the key to Dallas you know what people were wanting to still go out enjoy their lives a lot of the country shutdown honestly a lot of businesses things but I already parked for open and the reason why it's outdoors it's safe but it's a great time to spend time with your families when people had some time off of work the selection of Barbies with good weed brand some money to do a lot of Manufacturers couldn't get nothing but a bunch of different options for RV trailers you know why I know there's a fifth wheel there's 32 ft motor homes that are 42 ft homeowner home since you know what might have relatives at a 45 footer you know<br>about the different options and let's get into some you know what does it make sense to read purchase What's the ups and downs with all that because I know a lot of people are wondering do you say we brought Rental rent to own the last two years has grown up is going up there today we carry a pretty good Fleet of rentals in across the board and people that didn't know if they want to take the jump into jumping into spending the money on will there be a smaller travel trailer all the way up to a class a motor home did you some rest of the try it out to see if it's something that their families can enjoy their life in the lifestyle of it and with that are cells that helps heals as well but yeah we carry a shaver from a you know what is a 14 ft trailer all the way up to 45 ft motorhome this and it's kind of interesting to see that every segment over the last several years to grow significantly as people<br>across the border and he's been really good for us you know why it's not playing cuz you got to get off the plane and get your luggage get the rental car go to the hotel check-in and then you're exhausted so I know that isn't that Queen we've had I've had that happen to me that this past year and yeah it's been an interesting thing with lot of lot of staffing issues at hotels we've seen a lot of people think that it is now let's do the comparing on the long-term and one might want to purchase versus rent when people are just looking at hey it is just right for me what's the best recommendation you can make 4C<br>but who's looking at hate trying to figure out if this is right for me and then you know where is it become make sense to actually own as opposed to wrap I think that they are until it ran her own still feel it grew up with RV & camping with your family but we also get the new the newcomers that are and have always done Hotel traveling and then slice it or can we do want to try it out soon it out for maybe a weekend or two or whatever the child's their families and then and then look at that long-term parking out when your purchasing an RV we've obviously a lot of different options interest rates vary depending on my dad down payment whatever but you can go longer term with the shorter interest rate and he knows it too a lot of states in Wisconsin one of those allows you to text it right off the interest of your laundry service center down soon actually didn't you can afford afford something in your payment range due to a bunch of your budget your money with which we seen a lot of them<br>if only Caesar the next week even a lot of times and then they upgrade from one up and do a nice big fifth wheel some people go to the big motor on the deadline but it's something working way up on as you get your budget increases you know what you're traveling on you know basically and not to make it simple but you know what you have a house and you have a big vehicle and those houses in vehicles do have problems from time to time so why do people need to understand if their vehicle has an issue how do they get it resolved you know whether to be a flat tire fuel pump or electrical thing how they handle that when they're out in the open road service technicians and service me a mobile mobile service companies will come around and do things<br>State we're going to we're going to get someone to help him out there are sodas we offer service contracts and a roadside assistance to help people with their shaded do have it by around on the side of the road you need to get that changed we have we offer mobile service it'll come on Ashley send roadside service to come out and change the tire for you get you back on the road they are back we offered you know throughout the state of Wisconsin to get mobile service technicians it'll come out the campgrounds and 66 units have campgrounds for customers and future or the past we didn't have as many of that doing on this many technicians were able to do that something as we grow our business to really focus and I'm trying to get that extra service outside of the sale is a bill to help people when they're on the road at the rent a campground the funniest you come up there camper we want to do the trying to get in the best of us we can't even take care of it there's a lot of that we do offer the extended service contract things like that Across the Nation have to travel across the nation<br>companies that offer roadside assistance around the country with our service contracts to get that part of the deal we will actually help find that that company for you to come to you which is better we try to help you as much as it Keith Inglis is the RV business perfect on it and all we know is an industry we need to get better at service across the board and I mean I think if he has anybody runs an RV dealership it's something we're always trying to cancel improve upon our dealerships along we're trying to expand their service facilities and every one of our dealerships that we own and in we look at it by a new dealership something to look forward to is a service what is a service like right now and will hopefully improve it give her a better experience across the board cast of Hamilton were saving with Steve more expert advice for having a happier relationship with money still to come on the saving with Steve show<br>don't let your financial woes keep you up at night and prevents you from living a life of Financial and personal freedom hi I'm Steve Sexton post of the saving with Steve show where did he talk about the ins-and-outs of money was Financial issues that could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending left your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family the tune in to the saving with Steve show join me Steve section of the saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that's saving with Steve. Us saving with Steve. Us will see you soon<br>welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton talk about the ins-and-outs of money pretty much everything others that are you having a happier healthy relationship with money like I said you get gas gifts review shows get the behind-the-scenes stuff with a lot of people love and with that let's jump right back into Adventure montier we have Tom Hammel he's the RV director to Auto and RV group you give us some great information about the RV industry we've been talking about the ins-and-outs of everything for getting her your rig fixed if you're having a problem on the road weather reading only the right thing but now let's talk about ranching costs associated with that car breaks down compared to airfare and things like that especially for staying at home with the same with the family and<br>do you know what when it comes to reading Tom how does it compare with travel so if you're you know you got a family of four what size motor home would you recommend for somebody with a family of four is a small Class C motorhome with wood handle a family of four without a problem is to get the bunk over the cabin that are over the cab you got the bed in the back so the small Class C anywhere from 24 ft to leave me rent out of 31 ft Class C motorhomes in the bill to get that the cost of that it's going to be under $15 a week where you but the cost is really significantly less when you really look at nowadays<br>an airplane you want to go versus are working around everything else is it seems to be all the more cost-effective I hope that answers your question little bit older kids but weird look at travel plans to go to the Grand Canyon and you don't work out I'll be safe out there so here we are on a flight there and back we're looking at more than $2,000 then you know a week in a hotel in a couple of rooms and $400 a night and then you got eating out three nights out 3 times a day for a week now you're looking at $5,000 where if we're looking at 31 ft motorhome have 1500 a week plus gas and then you buy your own food there's a Bath Savings there<br>you know and I didn't add in the rental car that we were going to have to pay for her so you know there's a big difference in cost there and if somebody's on a budget cuz you know what this is all about saving with Steve you know a class E license pretty much everybody has one of those in California and other states you don't have to have a special license for a 31 foot which means it was long as you pay attention while you're driving you should be okay but you can actually save a tremendous amount of money and if you're on a budget and I heard he's not a bad way to go through don't let me look them or 10 minutes it's a matter of the initial cost isn't anywhere near as much as I just replace the lawn and then staying Hotel like I said the big the big things also get the rental for a night there is cheaper than a hotel. So it's a worked-out the significance of line and hotels and everything else like that for sure<br>people don't have canceled all that kind of good stuff so I get it I get it I want I want to talk a little bit more about the financing if so if you're looking to purchase my understanding and obviously I love somebody credit is you could do 5 year loan 10-year loan 15-year loan is that correct done it 20 years that a lot of credit unions are getting a better rate than some of the banks unfortunately but the rates are still good through a lot of our bank that we use so you can take your things the average term be right now so 15 years it's looking like I said some of them someplace you can actually get rust off of your taxes to at the end<br>I'll be sleeping on the gas situation the states of it you know what I live in California I know a lot of people who have their RV and other states so they can avoid some of the taxes that go along with the RV so you want to look into that if you know what you know we're not going to tax advice but do you want to talk to your CPA about the best state to own an RV in and you might want to find a bit way to be some sort of a resident there or something like that I talk about these RV groups there's manufacturers that have associations for people have certain certain types of coaches could you talk a little bit about that cuz I thought there's a big Community out there that keeps growing and growing I was just in the last couple days for Forest Rivers got the Frog ruppersberger Owners Group next and the rally next week down in Elkhart Indiana for the strawberry people are involved in that which is kind of fun but the groups are fantastic<br>they're able to help each other with a family meeting you when they all get together the houses share stories and then I guess some people just have been part of it for a long time there's a family motor coach association which has been a big thing for a lot of big motor home is across the country have been involved with the Rally's that it's it's really kind of fun to see what they know but they're all these orders come together and it's just a big community of people sharing ideas with each other because it helps us understand what our consumers are looking for and the guys on the force to Resaca done this week they had a lot of great things to say about some stuff there any products for launching that are coming out on time do new products are coming out<br>what customers are looking for in the Arby's and they they're listening to them they're going to making the changes and it's helping us going to reach I wanted to make sure we had that talk to that we can add or what not still there is a huge thing right now a lot of State<br> what's the new thing with our being right now is it solar panels to build a lithium batteries the AGM batteries in it give you a longer life but still a huge right now and give your Wi-Fi boosters are big thing I just took a consumer's younger by her now or do you want a is coming down so that's what's important the younger group is now they have to have their mobile devices to connect it's the one connected once I get out because they were there all day clean do I need nature in the outdoor stuff we probably are there coming out all the new math a different fireplace stuff to take them all with somebody stole steals different things like that the Wi-Fi so there's a huge deal expand their camp and capabilities off-grid a little bit so if you had asked me if you go to a lot of it or the nation of our national parks aren't all electrified there's only so many sites that he's steady Campground State Park<br> I'm on the board of directors for the wrbj Wisconsin RV Dealers Association and we're trying to get Wisconsin to add more electrified sites to our state parks but look at that Park so backward solar comes in really big is looking better to hold a charge longer think like that it's so people can extend their trip seems really really cool anytime we're coming to the end here I just how can people get ahold of you at Coon Auto and RV group and you know start asking some questions see how are we sitting rent an RV or purchase an RV you know how can I go about doing that Tom email address is Tom. Hamel drive time is k u n e s.com and my cell phone number if you my cell phone number 608-345-5259 buy those whenever is the best number to get ahold of that they had a few people to reach out to me I'm going to get in contact with my people that are the best place to put them in that we we do<br> ultimate every one of our customers that they would have my cell phone number so she told me we try to be very transparent on things and help you out as best we can but against Tom. Hamel it's Hamil and it's not, it's not a phone number 628-345-5259 and I want to thank you for sharing that you're the experienced here for adventure month year in August and you know what be safe be healthy and have a wonderful day will probably have me on some sometime in the future I appreciate you thanks so much and I have a great day for sure thank you to everybody sick with this will be right back more expert advice for having a happier relationship with money still to come on the saving with Steve show<br> don't let your financial woes keep you up at night and prevent you from living a life of Financial and personal freedom hi I'm Steve sex and post of the saving with Steve show where did he talk about the ins-and-outs of money those financial issues that could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending left your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family to tune in to the saving with Steve show join me Steve section of the saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that saving with Steve. Us saving with Steve. Us will see you soon<br> welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton the engine out of money pretty much everything others that are you having a happier or healthier relationship with money that was Tom Hammel he again is the RV director at Tune Auto and RV group know they're out there The Midwives they have a whole bunch of different 13 different RV groups but you know what are being as one of those ways where you can reduce eliminate some expenses when it comes to Travel and Adventure if you're looking to share some wonderful experiences with your family and friends so on I've been to some of those RV rallies with my in-laws I know they had one if your golfer at one of the major golf tournaments they've been to places all over the United States is turning the old home week every time they wanted to go to the RV rally check it out and see what you're thinking there<br> I want to talk a little bit about our next segment they do what we're in a recession where the politicians want to say it or not okay we're starting to see inflation just you know subside a little bit but that might be the rise before the storm depending on what's done now that said I think it's really really very important to understand how you know what to deal with retiring in this recession so with that let's just talk a little bit about how to go about doing that if you're planning to retire during the financial downturn future if you're ready you know if you're still ready to stop working or need to reduce your activity because of health condition retirement might be the best route moving forward looking at your financing<br> plant you to help you get through a bear Market create a sustainable future you might even find ways to increase your income by making a few adjustments okay during a reception can't be helpful never one to look at your financial protection okay you can use technology to keep track of your available financial resources and make a retirement how much you need to provide you a desired income and then factor in things like inflation Social Security sequence of return if this is your best interest to work on it extra do you know if it's in your best interest to work an extra year to wait for the economy get better you want to know what important information in now there's a wonderful group whether you're 35 or 65 it's called planswell planswell.com that plans well. Cam you can basically answer about 40 questions do you answer those questions they can create that plan for you should we wear<br> need to approve what needs to happen so you can make an adjustment again you know what you can go to the saving with Steve jot Us website look for resources the plants well there's a link and there's also QR QR code they're all you got to do is put your cell phone to it and you're good to go and you're Off to the Races so think about that make sure you look to get a fight get them Financial products tax you want to see what your portfolio if you've been saving for retirement for several decades and have various investment accounts look at how your funds are allocated got to remember you moving into a new season of life for new stage in life you're no longer on the Basel III if you moved into the distribution and preservation base you know if there's any portfolio that need to reflect by minimizing risk can always talk to a financial advisor about how to go through this in the coming years you know what to get what you expect from your best that's going moving forward next consider work options for individuals are healthy enough to continue working damn play for another year or two every year you working<br> potential increase of your Social Security benefits plus another $7,000 if you're over the age of 50 in your 401k or your IRA or you shall fire a look at doing that cuz the more money and have the better off it is for your retirement understand your health expenses if your age 65 or older you're eligible for Medicare however there still will be helping any cost you your retirement medical costs are significant expenses for many and they always seem to go up and retirement with a new prescription cost you'll want to think through how much you spend on Healthcare before signing up for Medicare this is key because certain health care plans they forget y'all know I'm a cancer survivor on certain healthcare plan the chemotherapy treatments is just a 15 or $20 copay on other plans you're paying 20%<br> built my chemo infusion drops during that period of time cost of health insurance company $25,000 a week imagine if you had to pay five grand a week for 6 months just to cover your own, so make sure you look at these things to the last thing you want is your money to fall through the cracks cuz you don't have the right plan could you just select it something that was two or three dollars a month cheaper than the other plants where do yourself Security benefits the next one if you have worked and paid into Social Security Programs are going to be eligible for retirement security go to Robin's B up if you're at least the age of 62 you can start getting your Social Security now you're going to collect that reduce benefit but when you get your full retirement date with either 66 or 67 you'll get your full retirement benefit in fact if you wait every year you went past the age of 66 or 67 you receive What's called the blade retirement credits<br> do is you want to look at creating that plan to see when the best time for you to take Social Security so you can maximize your income number one maximize your asset so they last the longest for you and retirement I hope you like these tips for retiring during a session if you stick with him explicitly go and get that plan done look at where you stand go to plans weld.com that's planswell.com if you go to the website you'll see the plans will logo under resources you'll see the link in the QR code on you select your plan if you just put in 40 pieces of information really simple really easy hey you know what I want to thank you all for joining us here today again I want to ask you to check out that UK Health radio BBS Radio AM FM 247 dedicated to empowering and live a life of personal and Financial Freedom now next week we have Steve's<br> you know what are these trying times many people are you know they're over the 65 every tired and quite frankly they're looking at how they can make it with this inflation stuff going on right here and Steve a specialist in helping people access the equity in their home so they can come right here on saving with Steve be safe be healthy see you next time bye bye thank you for joining us for the saving with Steve show hosted by Steve Sexton to learn more about the show and how to become a guest or sponsor visit saving with Steve. Us that's saving with Steve. Us join us again next time as we continue to talk about everything under the sun that relates to you having a healthier happier relationship with money this has been the saving with Steve show hosted by Steve Sexton<br>