In this episode of The Tom Dupree Show, host Tom Dupree and his team discuss a fundamental shift in perspective that retirement investors need to embrace: focusing on income generation rather than account value during periods of market volatility. For retirement investors, understanding the difference between overall portfolio value and sustainable income production is crucial for long-term financial security.

Most investors have been conditioned to focus primarily on their account value, constantly checking whether it’s up or down. However, the Dupree Financial Group takes a different approach, emphasizing that the true purpose of retirement investing is income production.

“We don’t really talk about how much income it produces. It’s an assumption that if the account’s this big, well, he/she can spend all that money… But the real reason that you invest money, at least if you’re a retirement investor, is how much money will that produce.”

This perspective shift becomes especially important during volatile markets, where focusing on stable dividend streams can provide peace of mind even when account values fluctuate.

One of the counterintuitive benefits of market downturns is that they create opportunities to purchase quality dividend-paying stocks at better yields:

“Do you ever hear people say, I like it when the market goes down because I can buy a stock that was yielding 6%? I can now get a 7% yield on it. You know, you never hear that. Never hear it. But the fact is, it’s true because what’s happened is that dividend stream can be bought for cheaper.”

The podcast explains this concept through a helpful real estate analogy, comparing dividend yields to rental property returns. When prices drop but income remains stable, the yield increases, creating better entry points for income-focused investors.

The podcast emphasizes that market volatility is normal and should be expected as part of any long-term investment plan. A resilient retirement strategy must:

“Having an investment approach or retirement plan that you can stick with is vital, and in order to stick with a plan, you have to understand it. And you have to innately agree with the approach.”

The show makes an interesting comparison between dividend investing and real estate investing, noting that while both can provide income, dividend stocks offer significant advantages:

If market volatility has you concerned about your retirement portfolio, now is an ideal time to reassess your investment strategy.  Dupree Financial Group specializes in retirement investing and is focused on income generation through dividends.

Contact Dupree Financial Group today for a complimentary portfolio analysis:

Dupree Financial Group – Where we make your money work for you.

#RetirementIncome #DividendInvesting #MarketVolatility #RetirementPlanning #FinancialIndependence #InvestmentStrategy #IncomeInvesting #RetirementSecurity #DividendYield #FinancialFreedom

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Welcome to another insightful episode of The Tom Dupree Show, brought to you by Dupree Financial Group, where we make your money work for you. This week, host Tom Dupree takes listeners on a journey through classic Americana with Junior Samples’ legendary fish tale, shares powerful Easter reflections, and delivers thought-provoking commentary on financial accountability in higher education and research funding.

Tom kicks off the show with a nostalgic trip back to the 1960s, playing the famous interview that put Junior Samples on the map before his Hee Haw fame – “The World’s Biggest Whopper.” This classic piece of Americana showcases Samples’ distinctive North Georgia accent as he spins an increasingly dubious tale about catching a record-breaking bass.

The story, revealed to be a tall tale about a grouper from Florida that Samples claimed was a bass he caught, highlights the humor and storytelling tradition of rural America. Tom and Elizabeth discuss how Samples’ repeated phrase “I think” throughout the story signals his fabrication.

Tom offers meaningful Easter reflections, beginning with Psalm 68 and moving into a discussion on spiritual warfare in today’s world. He shares his perspective on:

“You can’t have your own way if you want in on what Easter is, you’ve gotta give it over to God. And you’ve gotta take the sins that you know that you’ve committed and lay ’em at the foot of the cross.”

The conversation shifts to a timely discussion about financial accountability in higher education, specifically addressing recent controversies surrounding Harvard University and research funding. Tom examines:

“Harvard’s Endowment as it is, they could pay for every student enrolled right now for 30 years.”

Want to learn more about making your money work for you? Visit our website at dupreefinancial.com and click on the radio tab to hear more episodes of The Tom Dupree Show. For personalized financial guidance, call us at 859-233-0400 and let our team help structure your retirement investment portfolio to produce both income and growth.

#FinancialWisdom #RetirementPlanning #TomDupreeShow #JuniorSamples #FinancialAccountability #EasterReflections #InvestmentStrategy #HigherEducation #ResearchFunding #FinancialIndependence

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In today’s volatile market environment, many investors are searching for stability and reliable income. The Financial Hour podcast with Tom Dupree and Mike Johnson offer practical advice for retirement investors through uncertain times.

When market volatility strikes, focusing on portfolio value alone can be misleading and emotionally draining. Tom and Mike emphasize that dividend investing provides a critical advantage: you get paid regardless of market conditions.

“If you own dividend paying stocks, you’re getting paid. If the market’s up, down, sideways, you’re still likely getting your dividends.” – Tom Dupree

This fundamental truth forms the cornerstone of effective retirement planning. Rather than obsessing over day-to-day market fluctuations, successful investors focus on building reliable income streams.

The current market environment tempts many investors to become short-term traders, which can be dangerous for retirement portfolios. Tom warns:

“This market will turn you into a trader and you’ve got to be very careful about that… The trading thing makes you think very short-term oriented.”

Attempting to time market movements often leads to missing significant upside when markets recover, as investors become focused on small wins rather than long-term income generation.

The podcast breaks down the concept of total return investing, which includes both price appreciation and dividend income. While both components matter, dividend income provides the stability retirees need when taking distributions.

Key points:

Mike Johnson emphasizes that hoping for market recovery isn’t a viable retirement strategy:

“Saying that ‘well, in the past, the market’s always come back’ – that is not a retirement plan… what it is akin to is hope.”

When taking regular withdrawals from a portfolio, time works against investors who rely solely on price appreciation. Dividend income provides the cash flow needed without forcing liquidation during market downturns.

The team discusses how they used recent market declines as buying opportunities:

“The markets go down on Tuesday… we added to a couple positions. The two that we added pay dividends. The valuation was attractive… and that dividend is extremely well covered.”

This strategic approach uses volatility to improve both income generation and long-term appreciation potential.

An enlightening comparison emerges between dividend stocks and rental properties:

“You can look at your dividend paying stocks or bonds if you have some bonds – those are like properties that are producing you rental income.”

This mental model helps investors understand the purpose of dividend investing: creating reliable income streams regardless of market conditions.

Are market fluctuations causing you stress about your retirement portfolio? It’s time to shift focus from market value to income generation.

Contact Dupree Financial Group for a portfolio analysis that identifies risk and opportunity in today’s challenging market. Call 859-233-0400 or schedule an appointment directly at dupreefinancial.com.

With over 46 years in the investment business, Tom Dupree understands that proper management of retirement assets is a long-term process focused on reliable income generation.

#DividendInvesting #RetirementPlanning #FinancialIndependence #MarketVolatility #IncomeInvesting #RetirementIncome #FinancialPlanning #WealthManagement #InvestmentStrategy #DividendStocks

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Meta Description: Discover how prayer, healthy habits, and letting go of resentment can transform your life. Tom Dupree shares spiritual wisdom and practical health tips for better living.

In this powerful episode of the Tom Dupree Show, host Tom Dupree dives deep into the healing power of prayer, the destructive nature of resentment, and practical ways to improve your health through nutrition. Drawing from his 30+ years of experience in 12-step programs and spiritual practice, Tom offers wisdom on finding truth in a world where it often seems “held hostage.”

Tom opens the show by reading from Psalm 61, highlighting how the Psalms have been a source of comfort and guidance during challenging periods in his life. He explains how regular prayer, regardless of immediate results, creates positive change over time.

“When you get in the habit of prayer, you have to kind of get to where you don’t think about it. Just do it. And you don’t worry about the results. You think about the possibility that there will be results, but you don’t worry about them. You sort of let go.”

A central theme of the episode is the destructive power of resentment and how it affects both mental and physical health. Tom draws parallels between addiction recovery principles and broader life applications.

Key insights include:

“I’ve found in my life there is nothing wrong with getting angry at something or someone. What’s wrong is developing and holding onto a resentment where you don’t like this person or you really hate them or you cut them off. Resentment is a killer.”

In the second segment, Tom and Elizabeth discuss their experience with juicing and how it has improved their health, particularly Elizabeth’s shoulder inflammation and flexibility.

Practical juicing tips covered:

“The improvement across the board is really significant, and it’s not that hard to do after you get used to the process and the system.”

The episode weaves together spiritual insights and practical health strategies, emphasizing the connection between seeking truth, taking personal responsibility, and improving one’s physical well-being. Tom highlights that change must begin with ourselves rather than pointing fingers at others.

If you’re inspired to improve your spiritual and physical health after listening to this episode, here are some next steps:

Remember Tom’s wisdom: “Your health—mental, physical, spiritual—there is no number you can put on it as to what it’s worth. Sometimes you don’t realize it until it’s gone.”

Dupree Financial Group specializes in fee-based retirement investing, addressing the unique challenges retirees face including income, taxes, inflation, and healthcare. Their tailored approach helps make your money work for you.

For more information, call 859-233-0400 or visit dupree financial.com.

#PrayerAndHealing #LetGoOfResentment #JuicingForHealth #FinancialWellness #SpiritualGrowth #HealthyHabits #NutritionalWellness #RetirementPlanning #PersonalGrowth #TomDupreeShow

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In this episode of The Tom Dupree Show, host Tom Dupree draws from his 47 years of investment experience to explore the historical development of US taxation systems and examine how different tax approaches affect economic growth, investment opportunities, and consumer behavior.

Tom begins with a fascinating historical overview of US income tax rates:

“My dad told me that the personal income tax rates got as high as 91% in the US in the 1950s, but I didn’t believe him. I did the research and saw that from 1945 to 1963, the highest marginal tax rate was 91%. So that means if your income got up to a certain threshold, the government was taking away from you nine out of $10 you were earning.”

He then traces the gradual reduction of these rates:

Tom explains the critical distinction between income taxes and consumption taxes:

The discussion highlights how political and professional interests influence tax policy:

“The tax code is complicated intentionally because it keeps people busy doing stuff. Why would a smart attorney, i.e., congressman, vote against business for his peeps, his old law firm, or him or her if they ever get out of practice and go back into practice in law? They don’t want to simplify the tax code. That’s not good for business – for their business.”

Tom explores the complex question: Would Americans prefer higher prices on consumer goods if it meant eliminating income taxes?

Potential Benefits:

Potential Drawbacks:

Tom suggests that current tariff discussions may be more strategic than permanent policy shifts:

“I happen to believe that the tariff is kind of a bluff, and that there’s gonna come a point where they say, ‘Okay, we’re gonna quit doing all this and there’s not gonna be any tariffs on anything.’ This is about getting China, and mainly China, to stop charging us on stuff we build and could sell to them.”

If market volatility has you concerned about your retirement strategy, now’s the time to reassess your investment approach. Contact Dupree Financial Group at 859-233-0400 or schedule an appointment directly on our website at dupreefinancial.com. Our team specializes in creating reliable income streams while managing risk.

FB post discussed

“I have been in the investment business for 47 years. My Dad was in the business for approximately 62 years and my Granddad for 50 years.

Income tax rates affect how much money people have left over for investment purposes. My Dad told me that the personal income tax rates got as high as 91% in the US the 1950s, but I didn’t believe him. I did the research and saw that from 1945-1963 the highest marginal tax rate was 91%. It dropped to 70% in the 70s and 80s, then 50%, then down to 37% where it is today. This is an income tax, not a consumption tax. Which is generally what a tariff is.

Some have said the tariffs could replace income taxes. For years, there was a debate that the US should replace its income tax with a value added tax, also known as a VAT. It’s basically a sales tax. Which is what tariffs are, although they extend to capital goods as well. The VAT idea has been seemingly dead for awhile, probably because the income and estate tax planning political lobby is very strong. After all, many of our politicians are attorneys.

Would you be willing to pay more for a pair of Nikes if you didn’t have to pay the IRS every April 15? That may be a slight oversimplification, but it’s the general direction in which the tariffs debate heads If we did our taxes based on consumption, a lot of tax experts might be out of a job.

This idea didn’t originate with the current occupant of the White House. It’s been around quite awhile

The flow of money and capital is generally apolitical. It’s simply based on ideas, good or bad. A healthy society debates ideas on their merits, not on which political party they originate from.”

#TaxPolicy #EconomicHistory #InvestmentStrategy #FinancialPlanning #TariffImpact #RetirementPlanning #TaxReform #EconomicImpact #FinancialEducation #WealthManagement

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In this episode of The Tom Dupree Show, host Tom Dupree draws on his 47 years of investment experience to address America’s mounting debt crisis and its deeper spiritual implications. From Chinese influence in Panama to government waste and the need for citizen engagement, Tom doesn’t hold back in his analysis of what’s truly threatening America’s future.

Tom explores how true reformers throughout history—from Jesus to Martin Luther King Jr.—faced intense pushback when challenging established norms. He argues we’re witnessing a similar “breaking of icons” in American politics today, with sacred cows being shattered as ineffective resistance gives way to necessary change.

“I have never seen anybody get the amount of anger directed at him as Trump has. I didn’t know that any one person was that powerful to get that kind of anger directed at him, but it is a fact.”

Tom specifically addresses several areas where established practices are being confronted:

Drawing on literary and biblical references, Tom argues that America’s economic challenges are symptoms of deeper spiritual issues:

“The problems that we’ve had with manufacturing and the economy, these are simply, they aren’t the problem. They are symptoms of the problem. The problem is spiritual emptiness.”

Tom and Elizabeth discuss potential reforms at the state level, including:

“If you’re willing, if you can affect change in your own life, you can expect change in your country.”

As founder of Dupree Financial Group, Tom emphasizes their specialized approach to retirement investing, addressing key challenges including:

If market volatility has you concerned about your retirement portfolio, now is the perfect time to reassess your investment strategy. Contact Dupree Financial Group for a portfolio analysis that can identify risks and opportunities in today’s challenging market.

Call: 859-233-0400 for a free portfolio review Visit: dupreefinancial.com

#FinancialPlanning #RetirementInvesting #GovernmentWaste #NationalDebt #PoliticalReform #EconomicSecurity #WealthManagement #FinancialIndependence #AmericanPolitics #FinancialWisdom

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In this episode of The Tom Dupree Show, host Tom Dupree and Consumer Goods Analyst Michael Dawahare discuss the complex world of international trade, tariffs, and their impact on American national security and economic growth. The conversation explores how recent tariff implementations are not just economic tools but strategic responses to decades of unbalanced trade relationships.

Special Guest Michael Dawahare begins by highlighting the critical distinction that has shaped America’s trade relationships for decades:

“The fundamental difference between free trade and fair trade. We’ve had free trade for decades, but we have not had fair trade, and these tariffs are the first and most blunt tool to try and get a more equitable fair treatment among our trading partners.”

This perspective frames the entire discussion, positioning tariffs not as aggressive economic weapons but as corrective measures to level an uneven playing field.

The episode traces how post-World War II policies, while necessary at the time, created long-term trade inequities:

The conversation identifies critical sectors where trade policies intersect with national security concerns:

Strategically Important Industries:

“This is about national security. It is primarily national security. They don’t really care that a sweater is sewn in China or Vietnam or Cambodia… They care about where steel comes from.”

The discussion examines specific concerns with several trading partners:

Canada:

China:

Panama Canal Control:

Both speakers emphasize that permanent tariffs are not the end goal:

“Trump is not a guy that wants perma tariffs… what they’re aiming at is a level playing field. And to be able to protect what we’ve got here for the sake of national security.”

The discussion highlights how tariffs are negotiating tools to achieve:

The episode concludes with insights on how to revitalize domestic production:

Understanding the complex relationship between trade policies, economic growth, and national security is essential for informed citizens and investors. The Tom Dupree Show provides these valuable insights to help listeners understand the changing economic landscape.

If market volatility has you concerned about your retirement portfolio, now is an ideal time to reassess your investment strategy. Call Dupree Financial Group at 859-233-0400 or schedule an appointment directly on our website’s homepage at dupreefinancial.com.

Michael Dawahare is a respected Consumer Goods Analyst and market observer with extensive knowledge of international trade, financial markets, and economic policy. His insights provide valuable context for understanding the broader implications of current trade negotiations.

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In this episode of The Financial Hour, investment professionals Tom Dupree and Mike Johnson analyze the recent market downturn and share strategies for protecting retirement portfolios during volatile markets

The financial markets experienced significant turbulence, with major indices showing substantial declines:

Despite these alarming numbers, Tom Dupree brings a historical perspective, noting:

“I’ve seen worse in my career. In October of 1987, I saw the Dow Jones go down 22% in one day. We had COVID, we had all these things… we’ve seen these kind of things in the past.”

The podcast hosts identify several key factors influencing current market conditions:

Mike Johnson provides important context:

“Taking a step back… what you’re not seeing right now – the market is orderly. It’s violent right now. Lots of movement, lots of volume. But nothing has changed in terms of the fundamentals of the companies.”

The hosts emphasize that market volatility affects investors differently based on their life stage:

As Tom explains:

“You’ve got to be able to be proactive. You’ve got to be able to say, ‘Okay, this looks like I better buy it.’ And you’re never gonna bottom-ticket. It’s tough to do. Sometimes you’re gonna miss, and that’s okay too because you may get close.”

The Dupree Financial team outlines their approach to challenging markets:

“Just get rid of all of that part of the emotion and actually look and say, ‘Okay, is this plan set up for my stage in life now?’ Because that has to be thought out.” – Mike Johnson

Is market volatility threatening your retirement security? The team at Dupree Financial Group specializes in fee-based, no-commission retirement investing tailored for retirees and pre-retirees.

Their approach addresses the five key challenges facing retired investors:

Contact Dupree Financial Group today for a portfolio analysis that can identify both risk and opportunity in today’s challenging market.

Call 859-233-0400 or schedule an appointment directly on the homepage of dupreefinancial.com.

#MarketVolatility #RetirementPlanning #StockMarket #FinancialPlanning #InvestmentStrategy #DividendInvesting #MarketCorrection #RetirementIncome #FinancialAdvisor #WealthManagement

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A thoughtful exploration of biblical teachings, musical heritage, and cultural perspectives through the lens of financial wisdom and personal values.

Discover the profound message of Psalm 139 on human value, explore cultural insights on fear-driven politics, and learn why financial decisions should align with timeless values.

Tom Dupree takes listeners on a journey through biblical wisdom, nostalgic reflections on Southern culture, and thoughtful commentary on current events. Join us as we explore the profound teachings of Psalm 139 and examine how our values shape our perspectives on life, politics, and financial decisions.

Tom opens the show with warm reflections on growing up in Harlan, Kentucky, where his family would gather around the radio to listen to programs like the Grand Ole Opry and Cas Walker’s radio show:

“People make fun of country music. They don’t understand the struggle that some of these people had to go through to get where they got, the character that was required.”

The episode features a thoughtful examination of Psalm 139, which Tom reads from the King James Version. This powerful passage addresses:

“I will praise thee for I am fearfully and wonderfully made, marvelous are thy works, and that my soul knoweth right well… This describes a baby being formed in the womb.”

Tom emphasizes how some of history’s most influential creators overcame significant challenges:

Tom addresses the climate of fear and obsession in modern political discourse:

“What’s been going on with your life for the last 10 years? How much of your life has passed by you and you haven’t enjoyed it? When you dread something, you draw it to you. The thing that you fear the most ends up happening.”

“Fear not. How many times in the Bible? If you live in fear, my body and my mind are paralyzed. I can’t really live, I can’t make good decisions because I’m paralyzed with fear.”

If market volatility has you concerned about your retirement portfolio, now is an ideal time to reassess your investment strategy. Contact Dupree Financial Group at 859-233-0400 or schedule an appointment directly on our website at dupreefinancial.com.

As Tom says: “I’m in the money business. I know as well as anybody that it can’t make you happy if you’re not already happy from within.” Let our team approach ensure you benefit from diverse expertise rather than relying on a single advisor. We believe in building long-term relationships with people—not just their money—as the foundation of successful wealth management.

Follow The Tom Dupree Show for more insightful discussions on finance, faith, music, and current events. To hear more episodes, visit dupreefinancial.com and click on the Radio tab.

#BiblicalWisdom #Psalm139 #FinancialValues #RetirementPlanning #KentuckyHeritage #GrandOleOpry #WealthManagement #FaithAndFinance #InvestmentStrategy #LegacyPlanning

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In today’s unpredictable market environment, having a clear investment plan is more critical than ever. The recent Financial Hour with Tom Dupree and Mike Johnson discusses why many investors struggle during market downturns and how focusing on income-generating investments can provide stability through market volatility.

As Tom explains, “Market volatility can lead to extremes on both sides. One extreme is that they abandon everything, abandon all hope, sell everything, go to cash. The other extreme is that you do absolutely nothing.”

Many people confuse having a savings plan with having an investment plan. According to Tom Dupree, there’s a critical distinction between the two:

“Some people say, sure. I have a plan. I’m putting X amount into my 401k. I’m putting money into a Roth. I’m putting it into this, to that. That’s not an investment plan. That’s a savings plan. Two completely different things.”

A robust investment plan isn’t just about where you put your money—it’s about having a strategy for how that money will work for you, especially during retirement when you need income.

The Dupree Financial Group follows a clear, two-part investment plan:

“Our investment plan is to first produce an income stream through dividends and interest payments. And then secondly, capital appreciation. We achieve this through using publicly traded securities held at reasonable valuations.”

This approach focuses on:

Many investors, particularly those with 401(k) plans, are heavily invested in growth-oriented funds that mirror the S&P 500. While this strategy can work during accumulation years, it presents serious challenges during retirement:

“We may not feel like you’re equipped to set out and lay out every element of your investment plan. That’s where we can come in and help you because we do this and it’s not an investment plan that operates in a vacuum. This investment plan is designed to throw off income for you on a regular basis.”

Dividend investing provides several advantages for retirees:

“Well, at least you’re getting paid while you wait. See, that’s the good thing about dividends. At least it’s paying you while you wait for it to either grow or just go sideways, you’re getting some kind of income.”

In today’s challenging market environment, it’s essential to:

“Don’t let what’s going on in the market prevent you from making changes, actually examine and say, okay, what’s going on with my portfolio right now is a symptom of a misinvestment or an investment mix that doesn’t work with my situation anymore.”

Is market volatility causing concern about your retirement portfolio? The team at Dupree Financial Group can help you develop a resilient investment plan focused on generating income through dividends and interest payments.

Contact Dupree Financial Group today for a portfolio analysis that can identify risk and opportunity in today’s challenging market. Call us at 859-233-0400 or schedule an appointment directly on our homepage at dupreefinancial.com.

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