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Caffeine And Cash Flow with Michael Schulte

Welcome to the Saving The American Dream Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks threatening your pursuit of the American Dream? If you need help planning how to tackle these financial headwinds, then this is the show for you!

With pensions disappearing, the American Dream is harder than ever to achieve. We're on our own to successfully plan for our financial futures. That's why it's so important to make wise decisions with your financial plan and as you get older those decisions become more and more critical.

New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at Or call 702-767-4897.

Oct 6, 2022

When the markets take a tumble, people often wonder, where is the bottom? We’ve gotten this question from clients quite a few times lately, so we wanted to address it on today’s show.

Mathematically speaking, we can tell people pretty close where the bottom of the market is for their mix of assets. There are no surprises if you dial in the math.

In this episode, we’ll share:

  • Why the S&P 500 and Dow Jones are the indexes that everybody talks about, and what the historical returns show. (5:40)
  • Why it’s important not to look at just the big companies when thinking about the market’s gains and losses. (11:49)
  • How standard deviations can be used to look at rates of return. (14:10)

Call Michael at 702-767-4897 with any of your questions or email

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