Yeah we may have ░░░░░░░░ open up the pools ░░░░░░░░ for a day that ░░░░░░░░ like air conditioning weather ░░░░░░░░ sure you re not ░░░░░░░░ All right Caitlin we ░░░░░░░░ see you back at ░░░░░░░░ 00 As we talked ░░░░░░░░ the deadline for most ░░░░░░░░ to file their taxes ░░░░░░░░ get an extension is ░░░░░░░░ The extension will allow ░░░░░░░░ to file their 2024 ░░░░░░░░ until October 15th without ░░░░░░░░ It does not buy ░░░░░░░░ any more time if ░░░░░░░░ expect to owe money ░░░░░░░░ the IRS has extended ░░░░░░░░ deadline in at least ░░░░░░░░ states including in West ░░░░░░░░ and if you ve ░░░░░░░░ sent in your return ░░░░░░░░ likely got a refund ░░░░░░░░ you re still waiting ░░░░░░░░ it We ve got ░░░░░░░░ market strategist for kalb ░░░░░░░░ Clark kiernan with us ░░░░░░░░ on tips on how ░░░░░░░░ invest help get that ░░░░░░░░ to grow I think ░░░░░░░░ people get a refund ░░░░░░░░ or small whatever the ░░░░░░░░ may be they say ░░░░░░░░ know what do I ░░░░░░░░ with this money And ░░░░░░░░ ve got those tips ░░░░░░░░ what do we do ░░░░░░░░ that money Clark sure ░░░░░░░░ it s a very ░░░░░░░░ day for tax filers ░░░░░░░░ and financial planners So ░░░░░░░░ you said some people ░░░░░░░░ money some people owe ░░░░░░░░ and others are filing ░░░░░░░░ So the obvious is ░░░░░░░░ you get money back ░░░░░░░░ It s an influx ░░░░░░░░ cash Downside is that ░░░░░░░░ government has had your ░░░░░░░░ for the past year ░░░░░░░░ you could have been ░░░░░░░░ something with And so ░░░░░░░░ you are getting a ░░░░░░░░ every year it may ░░░░░░░░ time to talk to ░░░░░░░░ tax professional about reducing ░░░░░░░░ withholdings But that being ░░░░░░░░ if you did get ░░░░░░░░ refund what should you ░░░░░░░░ Typically we like to ░░░░░░░░ at this in four ░░░░░░░░ ways First one is ░░░░░░░░ want to make sure ░░░░░░░░ you re paying off ░░░░░░░░ high interest debt like ░░░░░░░░ cards Second is you ░░░░░░░░ to make sure that ░░░░░░░░ re adding and bolstering ░░░░░░░░ your emergency fund So ░░░░░░░░ checking and savings making ░░░░░░░░ that you have enough ░░░░░░░░ there for any emergency ░░░░░░░░ typically we like to ░░░░░░░░ our clients anywhere between ░░░░░░░░ 000 is the best ░░░░░░░░ really it comes down ░░░░░░░░ the person Whatever helps ░░░░░░░░ sleep at night so ░░░░░░░░ you saying 25 000 ░░░░░░░░ what we should all ░░░░░░░░ in savings At least ░░░░░░░░ s what we like ░░░░░░░░ tell our clients Is ░░░░░░░░ 25 000 in liquid ░░░░░░░░ or savings is just ░░░░░░░░ great way to make ░░░░░░░░ that any emergency that ░░░░░░░░ up and typically that ░░░░░░░░ come down to 3 ░░░░░░░░ 6 months of living ░░░░░░░░ and obviously that depends ░░░░░░░░ a case by case ░░░░░░░░ you re going to ░░░░░░░░ to up that money ░░░░░░░░ in d c that ░░░░░░░░ for sure Okay So ░░░░░░░░ get the refund What ░░░░░░░░ we looking to do ░░░░░░░░ we ve paid the ░░░░░░░░ we make sure that ░░░░░░░░ ve put some in ░░░░░░░░ savings Are we putting ░░░░░░░░ in the stock market ░░░░░░░░ ve seen how volatile ░░░░░░░░ s been over the ░░░░░░░░ week or two here ░░░░░░░░ s the advice that ░░░░░░░░ all are giving your ░░░░░░░░ so what we like ░░░░░░░░ call is our retirement ░░░░░░░░ and opportunity So I ░░░░░░░░ covered the emergency part ░░░░░░░░ would be any retirement ░░░░░░░░ So maybe you re ░░░░░░░░ contributing to a traditional ░░░░░░░░ or a 401 k ░░░░░░░░ when you can if ░░░░░░░░ can max out your ░░░░░░░░ accounts then that s ░░░░░░░░ next step we want ░░░░░░░░ take If that s ░░░░░░░░ done then the o ░░░░░░░░ for opportunity And so ░░░░░░░░ s where you can ░░░░░░░░ for great companies at ░░░░░░░░ prices And that s ░░░░░░░░ we ve been seeing ░░░░░░░░ the past couple of ░░░░░░░░ is great opportunities for ░░░░░░░░ all right So you ░░░░░░░░ saying invest in the ░░░░░░░░ you have opportunity it ░░░░░░░░ be the stock market ░░░░░░░░ that be your best ░░░░░░░░ strategy yes At this ░░░░░░░░ we have a couple ░░░░░░░░ areas that we re ░░░░░░░░ focusing on And that ░░░░░░░░ going to be some ░░░░░░░░ the large cap tech ░░░░░░░░ that you re familiar ░░░░░░░░ as well as some ░░░░░░░░ the financial names such ░░░░░░░░ banks okay So look ░░░░░░░░ those big blue chip ░░░░░░░░ and maybe some banks ░░░░░░░░ well Clark good to ░░░░░░░░ you And for people ░░░░░░░░ are wondering what do ░░░░░░░░ do with this ...