And now the 419 with Gretchen de Bakker might kill them.

And Kevin Mullin.

Welcome to the 419 powered by ZTE and presented by Retro Wealth Management.

I'm Kevin Moll and Gretchen de Bakker.

Not killing it is a Tuesday edition of the 419.

We do a couple of things on Tuesdays.

We talk to great folks in the region doing really cool things, making an impact, making our community better.

Our folks at Taylor Community Foundation are always kind of encouraging us to talk to, incredible people in the community.

And that is no, we're not, we're not not doing that.

We're not not no exception.

Yeah.

Pretty exciting.

Thank you.

That's the word.

I was like, yep.

It's Tuesday, you know, that will happen.

So we got Heather gallant from the 577 Foundation, and Ebert with the Cherry Street Mission Ministries.

She's going to be here as part of our YWCA series luncheon coming up in just two days.

But she's an award winner this year.

Love it, love it.

And then, our good friend Tim, we drove, we to a wealth management going to join us, as well.

And we've got sort of a two for one here with, with Heather, with not only somebody who's making an incredible impact community, but also a great place to go be a tourist in Toledo.

Absolutely.

Five, seven, seven.

Good time in year to, to head out to beautiful facility, a great space to get away.

We had, as we do right before the show started, we ended up talking about all kinds of random things and realized that Gretchen does not know the difference between Bob Barker.

Yeah.

And Dave.

Euchre.

Bob.

Euchre.

Dave.

You can ask Dave.

Euchre?

Yeah.

Bob, I don't know if Becker is sitting here today.

Yeah, I don't know.

I actually that the generated was and you said we were talking about Major League and the movie line for.

That's right.

And he's not kind.

Where does that come from?

I've heard that.

And I thought you were attributing that, Bob.

I did not have any extended.

I do not have any extended, time with him.

Yeah, but, I announced the Tigers game years ago, and he, we were playing against the Brewers.

Sure, he was calling the game for them.

And so we're riding the elevator together, out of the stadium after the game.

He told you to shut up and that you were bad at your job?

No, he didn't say anything.

Oh, I tried to have a conversation with him, said hello.

You know, it was a fun game.

Like, just trying to, like, toss in softballs, like, how's the weather?

Well, it was a baseball game.

And literally, it's just him staring into the wall.

Did you ever think maybe you can't hear?

I never thought about that.

Yeah.

Got to think about that now.

Every moment for the rest of my life.

Kevin reveals things on these shows after knowing him for some period time.

And I'm always like, what?

Yeah.

Like, when did that happen?

Yeah.

When did you do that?

I don't know when he's lived these 9000 lives that he talks about.

My when I got hired by the Mud Hens.

See here he goes again.

Yeah.

That, they thought I was older than I was because my resume, showed eight years of experience that was largely made up, you know, it was all existing.

It was just all overlapping.

Yeah, sure.

It was one year that I had eight full time jobs.

Yeah.

So that's the dates for this.

So.

Yeah.

All right.

So yeah, I went from five, seven, seven speaking of eight full time jobs.

Yeah.

And then of course we're continuing our partnership with the YWCA, highlighting, the incredible women that are receiving the milestones award, in a couple of days, days from now.

Yep.

So, all right, when we come back, Heather gallant from 577 Foundation joined us here on the 418.

Support for the 419 comes from Whetro Wealth Management, where we understand that your financial path is personal.

Advisory services are offered through capital investment advisory services LLC, securities offered through Capital Investment Group member Finra, SIPC.

More information at whetroadvisors.com The 419, powered by WGTE is made possible in part by supporters like you.

Thank you.

Welcome back to the 419.

Our friends at Community Foundation are encouraging us to talk to great people in the community, making a huge impact.

And we're talking now with Heather gallant from the 577 Foundation.

That certainly applies to you in the work that the 577 Foundation is doing.

Thank you for being on the show.

Thank you so much for having me.

Welcome.

Appreciate it.

Long overdue.

This is sort of a big gift for us.

So thank you for it.

We're not a lot to talk about when we record.

Right.

But it is early.

Yeah.

And we could have you on for three total segments.

But we're going to get right to it.

Tell us what the 577 foundation is.

Well that is a really difficult question.

And it's different things to different people.

But at its core, the 577 Foundation is a place where people share things.

It's a place where people share ideas.

They they share their expertise, they grow food in a garden and they share it with other people.

And so it's it's a wonderful place where people can come and learn and explore their curiosity in community with other people.

How did you come about?

Didn't get the land that the five, seven, seven Foundation is on there?

The setting is is at its core, beautiful.

And it's tucked away.

So it is in Perrysburg, which is a communal place.

It feels like a get away for a community to gather.

Yeah.

So if you don't mind, the history of this is very important.

I think it's very interesting.

You might.

Yes.

Sure.

Absolutely.

So originally when this land was platted, it was known as a gentleman's farm.

So it was where Colonel Greene Hall and his wife Marie would go and escape the rigors of business life in Toledo.

For the weekend.

They would go to their country home.

They had polo ponies and cows and, oh my gosh, they would go and just have fun on the weekends.

It's really interesting because that's kind of what we're doing there for lots of people now.

So around the 30s, Virginia Squire Stranahan and her family moved into the the property.

They built a larger home at the more river end of the property.

And, they raised their kids there.

During World War Two, they had victory gardens.

They had, their own livestock because, you know, food was scarce.

And so they did what they needed to do to to feed themselves and other people in the community.

And then as time went on, Mr.

Stranahan was inviting people to come for, you, for example, a camp in the summertime hub Haven.

She had a lot of people that would come.

Yeah.

And, and enjoy the space.

And then, toward the end of her life, she decided she wanted to give it back to the community.

So we have about, we say, 12 to 14 acres of land because it depends on where the river is that day.

We're in a watershed, where we are the first nature conservation site in northwest Ohio.

Wow.

So, the the Black Swamp Conservancy was founded around the same time as the 577 Foundation so that the land could be protected.

Time was when, we were founded in 1998, and I believe Black Swan was around 1993.

So if you were to go, if resident was going to go out there and visit, is this a place where you can just you can find something to do on a random Tuesday afternoon if the sun is out?

Absolutely.

Or do you or is it like a class schedule people go out or is it all of those things?

Okay, you can tell how much research Griffin has done.

No it's okay.

It is all of those things.

And yeah, it's all those things.

So we are open and our park like setting is open from 9 a.m.

to 5 p.m., seven days a week.

We closed six days out of the year, but every other day we are there, ready, for people to come and visit.

There are a lot of features on site where you can come and see, whatever you want to see.

We've got the oldest wooden structure in northwest Ohio, or, sorry, in Wood County, I should specify, 1803 log cabin.

We've got a bee room with observation beehives.

We have the only tropical island in northwest Ohio inside our geodesic biodome.

Which is a beautiful place this time of year to visit, because we have a lot of people that come through that have asthma or have seasonal affective disorder and come and sit in the dome just for a little bit of sunshine and warm.

I have to meet someone who works, in tandem.

Philosophically, agency wise, the five, seven, seven to me is a glowing example of multi-generational experiences.

100%.

Can you talk to me a little bit about the continuum services?

So you've got children playing and learning about bees, and you also have real solid programmatic activity for a senior population that there aren't a lot of activities in this way.

You do.

Do you mind walking through that a little?

Well, and actually, I would say, not only do we have those activities for people of those different generations, we encourage people to come and have multi-generational experiences.

So we're mixing the generations together.

So for example, there was a class that I taught a sewing class a couple of years ago where we had I looked at the roster.

We had people from, that ten years, 2030s, 40, 5060s up to their 70s all in the same class, and there were only 11 people in the class.

So this incredible mixing of people, that doesn't happen all the time in different activities, but these are things that are appealing to lots of different types of people.

And that's something we do really well, really well bring people together who are different from each other around an experience that is, that they all are interested in, and we meet the needs of all of those people.

And what are some of those classes you have?

So, you know, there's ceramics.

Yes.

We are offering.

We stay away from the cage fighting because it's not community building.

But you got this important distinction.

There's nowhere yes, a lot of people say that this is their their place of peace.

It's their their, you know, very Zen place.

It's a place where they come to, to sort of unwind, which is great because that relates to our history.

But back to the class question.

We're offering about 60 classes a month right now.

That's incredible.

It's a lot of a lot of classes.

And why we're able to do that is that we have staff members that are teaching classes as well as community members, and you don't have to have all the credentials to be able to come and teach at five, seven, seven.

If you have been doing crochet for the past 20 years or even for the past five years, and you know enough about it to be able to share that with someone else and teach someone else I love them.

Then they can come and teach at five, seven, seven.

So we're teaching things like within the arts, sciences, nature, gardening, culture, history.

Really the reason we have such rich variety of classes is that we have, all these people that are offering, yeah, offering their ideas in their classes.

We're talking with Heather gallant with the 577 Foundation.

Heather, every time I've been there, I've had a different interaction.

I've been there with my kids.

And there's always something new and different happening every time we're there.

I've been there for different events, that you guys are hosting or ribbon cuttings or press conferences about the cool things happen in the region.

But I've also been there with, maybe more often, anything else with nonprofit organizations that are using the space for strategic planning or board meetings where, like, there's so many different things happening.

Yeah.

But like, where does your core funding come from and how, like, how do you guys, you know, keep this open and flourishing and beautiful and.

Yeah, yeah, yeah.

Well, we are primarily funded by grants and, charitable contributions.

So that's the majority of our, revenue.

We do obviously receive a little bit of money for our programs and services.

So we get a little bit of revenue generated that way.

We also have a curiosity shop that is a reuse shop for books, art supplies, pottery, honey, all kinds of really interesting things.

That's also ever changing.

We have community artists that sell their work in there.

So it is, like I would say, every nonprofit organization in Northwest Ohio and across the country, it is a puzzle of how we're funded and we're constantly put putting those pieces together.

We have a particular skill set in that in that area.

Because you were a professional fundraiser, prior to working for five, seven, seven.

Can you tell us a little bit more about your history before you came there and how long you've been there?

Yeah, so I've been there, eight and a half years.

Yeah.

No, I started in 2017.

Yeah.

And before that, I was a consultant with Ally Sterling philanthropy.

So I was doing board governance, strategic planning.

Fundraising strategy with hundreds of organizations every year.

I was really doing a lot of work in the education space with that organization or with that company.

And so we were, going in and teaching organizations about how to do all those things better, how to level up their organizations.

And so I've been, you know, the, the five, seven, seven Foundation has been around for almost 40 years at this point.

And we've done a lot of work to level up that organization and be able to offer our mission to more people over time.

Heather, can we talk a little bit about, your childhood, you from where your parents, are community activists?

How did you how did you get to be the head of that we know and love?

Yeah.

Back in my day, I grew up in a small town in west central Ohio, about two hours south of here.

I ended up in northwest.

That's the town's name.

Umpqua.

You're kidding, you know.

That's right.

Yeah, I love kickball.

All right.

That's where I grew up.

Very similar to Perrysburg.

I mean, a lot of similarities.

Yeah.

And, I went to Bgsu, because I got scholarships to be able to go there.

I was in the honors program.

Had a great experience and stayed there for a year after, my college experience to work as an AmeriCorps Vista, setting up community service programs that oh so cool in your in your folks are.

Well, how did Pickler become home for them?

My parents are both educators.

They're both teachers.

So my father was a is that, my science teacher?

Okay.

And so I actually had him in class as a, as a freshman in high school.

He was my science teacher as he grew up.

I mean, he was tougher on me than anybody, but my class.

But, yeah, that was that was where the job was.

And so our family, you know, tell us a little bit about your craft corner at home.

Do you have a place?

What's your main thing?

You said you taught a sewing class.

Where where does all your stuff store.

Do you have a nook?

I have a whole studio set up in our basement for sure.

Yes.

Okay, so what's your what's the main thing that you focus on?

My main medium in sewing.

And that's something I've been doing my whole life.

But I dabble in everything.

So I'm also right now crocheting panels for a project that's happening at Bgsu for Sexual Assault Awareness Month in April.

I'm, learning how to do, block printing.

So carving out above and then printing things.

No, I, I kind of, do any and every craft, which is why I think five, seven, seven.

Yeah, it's really right for me.

There's more things I. Yeah, I can learn more things and I can share that.

What do you show?

Are you sewing machine?

Sewing machine.

Okay.

Yeah.

Mostly clothes.

Yeah.

But a lot of visible mending.

And repairs and love that, that kind of thing.

So I will not come back to their professional life and do that.

But yeah, I just, I love to tinker with that kind of thing.

And it's amazing how much geometry comes from sewing, because you're taking a 2D object and you're in 3D and then mapping, making sure that it can fit a body that is not 2D.

Right.

So so Jordan, to drill.

Yes.

A favorite episode of The Cosby Show.

But is the crafting is we asked this question for almost every year that comes on in a small nonprofit that is thriving, thanks to you and your team's leadership.

Just connecting looks like.

What is that?

When you go into your studio to to craft into something.

Husband and kids don't go down there either.

Oh, they're welcome to come down.

Yeah.

I mean, I taught our kids.

And so when they were teeny tiny, I love that.

And they still will come down and, tinker with me down there, too.

I mean, disconnecting looks like a lot of things.

I try to stay off screens.

Some days I succeed at that.

Sometimes things are going great, so no need to change.

Yeah, yeah, don't worry about it is great.

So no good reason to look good.

Yeah.

So, being outside in the summer, I switched to gardening.

So I do a lot more sewing in the winter.

And then in the summer, I switched to gardening.

Vegetables in our house.

Just being outside, taking a walk.

You, I love a nap.

Yes.

Love a nap.

Yeah, yeah.

Your naps are 20 minutes.

Now tell us.

Tell my body weights.

That's my.

Yeah.

That's right, that's right.

Not your business.

Is is it?

We're talking with Heather gallant with the 577 Foundation.

Heather, I know you're excited for this part, except now time for Gretchen's wacky quiz.

That's, We're working on that.

I'm working today, so.

And the whole song.

It's okay if there's so little joy in Gretchen's face when we have her quiz.

Look at.

I'm going to be great.

It's going to be great.

I'm going to continue to celebrate.

You were out at the end of last week, Matt.

You back with us?

And, we made Gretchen.

He made me say it.

Say it.

Oh, it's terrible.

Yeah, yeah, this is a tough seat.

Over here.

It is.

There's no better way to celebrate Women's History Month than the.

To make a woman say something you just want to say.

Yeah.

Wow.

About herself.

That's good.

Lord.

All right, here we go.

Rapid fire questions for me.

Gretchen's asking for your favorite thing about Toledo.

Then you are going to describe Toledo in exactly nine month.

I can tell she's ready.

Okay.

I'm excited for these questions.

Here we go.

Which of your parents do you think was stricter?

Oh, boy.

I don't know if I can answer that.

Rapid fire.

They're both here.

We're just, you know, I think strict in different ways.

Both of them, and I would say maybe not even strict as much as protective about it.

And I think I know the answer to this question, but have you ever failed a subject in school?

No.

Yeah, I knew that.

I got one BS in the my entire academic career and that represents failure to you.

I think that's the show.

Thanks for me on what's a b?

How would you describe your family to a stranger?

Oh, wild and wonderful.

Yeah.

Little love.

Great answer.

What was the first phone you ever had?

Oh, Oh, gosh, I don't even remember what it was called, but it was a little.

We just got our bill the other day, and they were like, you've been with Verizon for 25 years.

And we're like, oh, wow, this is the most overhead.

Oh, wow.

I don't remember exactly what it was, but it was okay.

That's huge.

Yeah, yeah.

Okay.

What is your number one?

Most favorite thing of what you consider to be the best thing about the city of Toledo or the region?

I think I've lived in big cities.

I lived in Washington, DC.

I've lived in Boston.

I've done very small towns.

I love that Toledo story is not completely written yet.

And it's not over, and we all have a chance to co-create within it.

Love it.

Thank you.

All right.

Ready for the worst part?

The most challenging nine words I know.

And I should have thought about this.

My segment never has a lot of thinking, so don't burn.

Yeah, I mean, nine words.

So community, you've already said community 100%.

I would say, it's it's an innovative place.

Innovative.

I think that there are a lot of pockets of very caring people sharing.

I love it.

I think, we have excellent environmental, resources here.

I mean, the river, the, the lake, the, farmland, trees and the collection of them, all sorts of diverse, just diverse, beautiful local things, region, all those things, I think, beautiful to have.

What am I doing so good.

Yeah.

Oh, my gosh.

The story is unwritten, so I think good stories unwritten.

I'll take two of those.

Yeah, I love that.

I think I think we've got some strong.

Remind me, what are your kids names again?

I know, Helena and Elias.

Yes.

Yeah.

Let's do it.

Tell us where people can find more information about the 577 Foundation.

577 Foundation.

That org is the best place to find it.

We've got events.

You can register for classes there.

All the information is there.

You can come donate books to us.

You can join and have a community garden, whole variety of things.

Then I think that such an important thing is it is a great place to just stop by too.

So I think you might say my address visiting the location is a beautiful place to get away and but also be together, which is a rarity.

Yes.

How do you where do we visit?

Five, seven, seven East Front Street in Harrisburg I love it.

Heather Gallon with the 577 Foundation.

Thank you so much as you guys have cool events and stuff happen in the summer, please come back on.

I would tell us she doesn't, but the great you can teach us something on oh I would oh that would be amazing.

It was something where she just had to have to do something.

Yeah, I have no fine motor skills, so I will just sit.

Okay.

But that's what people say about art is they think they can't do it.

And everyone can do it.

You just need to practice.

That's right.

Thank you.

So that that's your greatness right there.

Heather, down with the five, seven seven Foundation.

We'll be right back on the 419.

To me, community means connecting to others.

I'm Dani Miller and welcome to the Point.

I lost it yesterday.

We're a community committed to education.

Discover new ideas, dive into exciting subjects, and engage with the world around you.

I would send them personally a t shirt.

Crime doesn't pay in the old West End.

Pass it on.

That's how we cleaned up the neighborhood.

Vision loss for people is not the end.

It's the story.

It's the next chapter.

There we go.

Public media invites you to get out and play day.

Monday through Friday.

It's the 419 powered by W GT with Matt Gillum, Gretchen de Backer, I'm Kevin Mullen.

What can people expect on the show?

Give me an hour.

A reminder of why this is a great place to live, work and play.

Where you come to watch, listen and learn.

Welcome back into the 419, powered by ZTE and presented by Retro Wealth Management.

It's not every day I get to say that.

And have we true.

We are well, management in the house I'm sure be here Tim.

We Trump.

Thank you so much for being here.

Let's just before we dive into, maybe more specific matters that I want to talk to you about today as it relates to taxes.

Like what the what is which row?

Wealth management.

And have to come up with the name.

Well, that was a toughie, but I think it works.

Yeah, yeah.

I'm a I'm a planning firm.

We do investments.

We're a fiduciary, but we plan for our clients, and I'm a certified financial planner, so we look at the whole picture.

And that's why I wanted to come in today to talk about, you know, we're in that area right now where taxes are a concern.

And believe me, the end of January, beginning of February to April 15th, everyone's kind of like, yes, it's tax time.

I got to get it in.

I got to get it done.

But the IRS really isn't really isn't scary.

And if you don't get it in they have extensions.

Now if you owe money you have to have it in before that.

But there's leeway if you work with them.

They're they're just people.

So it gets a little I'm trying to bring bring it down.

I will tell.

You know, I think that that's a perfect way of describing, you know, indiscriminate of your wealth or how much money you have.

This is and this is intimidating, foreign language.

Right.

And going to someone like yourself, is is a relief, right?

I mean, you were, you know, the whole board.

You can also act a little bit like a thermostat or remind people of exactly the history of things.

Right?

Things ebb and flow.

But but there's a history here.

And this is how we can plan together or where you want to be.

And we do it throughout the year.

Yes.

We first meet with someone.

That's one of the things.

Bring in your taxes, investments.

Planning goes right with taxes.

When you talk about planning and and are you only focused on retirement or is this like day to day planning, year over year planning for you and your family's budget and and goals?

It's not so much budgeting.

It is more for retirement or estate planning.

Those are the areas.

But day to day we just look at taxes.

We get your day to day stuff and help you plan to get to retirement or get a savings going.

And I tell people, even when I do, as far as just regular savings.

Sure.

You know, I say, well, I use two banks.

One I use every day of one.

It's like I have to go in to get the money, you know?

So I play my own little.

You still very money in your backyard?

Absolutely.

So some money tree.

I will try another very another she's nervous to So another barrier I think for most people is I don't have enough money to start this.

Then that's just not true.

Or that you have time like you talk telling a 3025 year old, you have to start doing all this budgeting and planning and thinking now for your retirement.

They're like, yeah, because the last time you talked to a 25 year old.

Okay.

Never sorry.

That's I don't want that.

That's never mind.

Right.

Right.

But tough to it's about but to get to that.

Yeah.

You're correct.

Yeah.

Most people will say well you know, what do I do?

And am I ready?

I don't have enough in place.

But once they come in, you be surprised.

Yes.

People have been doing it.

I'm going to put it all together because picture you have 3 or 4 different types of retirement accounts or investments that are out there.

Most time we get something in the mail or it comes to us online, this doesn't count.

Then maybe two weeks later, this account where we're not putting it all together.

Right.

I'm going to put it all together for you.

Now.

Somebody can come in, it's all together.

But a lot of times we don't look at it like, yes, sir, we're talking with Tim.

We chose we do a wealth management presenting sponsor of this show.

Tim, I know we're talking about taxes.

April 15th is right around the corner.

Oh, yeah.

Yeah, but you guys don't do taxes, but I. But I know it's important to you, and it's a piece of that whole mix.

I guess.

You know, I think about, you know, my taxes every year are a nightmare because my income comes from so many different places.

Right?

Is that.

I mean, my and you're a criminal.

That's right.

But like my, my tax guy Laughs and he's like, all right.

If he asks the question every year do we have any W-2 income.

And the answer is always no.

But I know, like when my parents were filing taxes at my age, it was easier for them because it was purely W-2 income.

As we become more and more of a side hustle, you know, kind of economy where everybody's got some some self-employment income, some level, how much more complicated does that make this?

And are there, you know, major pitfalls or issues that you see in people filing for or preparing for vaccines?

W-2s.

And you have 1090 nines or you only have 1099.

I always tell people I get and a lot of people want to save a few bucks and do it on their own, and you can, but to me, it's worth going to a professional to have them do it.

It takes the stress level off you.

It's I mean, yeah, it's it's you have to pay but it's worth it.

You know sometimes and I catch myself doing this too.

I step over dollars and pick up pennies.

In essence, I'm trying to save money by doing it myself.

This is one item that, hey, pay someone to do it that takes the stress level off and the IRS isn't.

I mean, we're all worried about them coming out for sending a letter or something, but 99% of the people we're not trying to avoid or hide something from them, but again, they give us that scary feel.

What is what changes all the time as well.

Oh land.

Yeah.

What what are some things that as we get ready to file for 2025.

Right.

What what are some things that are different this year than the year before?

Well, it's it's exciting.

There's a lot more than what I'm going to mention here.

But your standard deduction because of the big beautiful bill, went from 29,200 married couple, to 31,500.

So that's quite a move in that standard deduction.

They made them larger because originally you remember years ago we just want to fill out one card and you'll be done with your income.

But everybody can do it.

I don't think they got to that point.

But it it keeps it by having the larger deductions.

You're not itemizing as much where you're collecting all the receipts of everything.

If you're, you know, W-2, and adding up the interest in other things.

So it's a nice deduction.

But the most important one, if you're 65, at least 65 and you're getting Social Security if you're married, couple adjusted gross income 150 or below.

You get an extra 6000 each deduction.

Interesting.

So that's a big deduction when you add that up.

Now if you go over 150 it's you lose a little bit of that and eventually you'll graduate out of that.

But very good deductions.

What should someone have prepared if they're going to go to a professional tax preparer.

What should they what should they gather?

What should they take with them so that they're ready for that appointment?

A shoe box full of.

Yeah, pieces of paper seats.

Yeah, yeah, yeah.

What you do, you're going to get your W-2, you're 1098 to get either mailed to you.

Most of them now are going through email or you are to the websites and get them.

And that complicates things a little bit.

And, and but you just grab everything.

I always say if you think you need it, grab it and they'll tell you if you don't, it's here.

Great advice, but they're just grab it if you think you need it.

I just, I don't know, I have so much anxiety around this.

I mean, you said at the beginning of this interview that the IRS is not scary, right?

I don't believe you.

I am like, I just, you know, you've got this this.

They're like, oh, and you get audited and I'm a one of the years that I did taxes myself, I will have done something wrong or, you know, this didn't get recorded right or what I just there's so much there's I would love to get to a space where it's one little piece of paper and this is what it is, and it's done.

That may never get there for me because again, I've got yeah, of all different variety of, of self-employment income.

But that's where a lot of what are that's that's fair.

Yeah.

I'm Greek, I'm in the import export business badly.

That's right.

If we fill out income taxes and we do miss something, they're nice enough to get them up.

They're nice enough to tell you what you did wrong.

Yeah, and they'll send you a letter.

You get this IRS like, oh my gosh, you got to open it.

And I go, oh, this could possibly be a penalty.

And you're going to have to pay this if you work with them.

They're just trying to catch your attention.

Yeah sure.

And it doesn't mean that they get it right.

You can go oh no.

This.

You know, I'm just doing this doesn't mean that you owe that money.

And I always tell people, if you get an IRS letter in there and they work with us, I said, bring it to us.

Let us look at it, see what's going on.

You might over it or you might not.

Tim, again, the services that you provide, how frequently do you talk, to your clients, do you refer to them as clients?

How what is the regularity for touch points?

Everyone's different.

Yes, sir.

You know, some will just go.

I'll call you when I want to come in.

Some we see four times a year, some we see.

You know, just depends.

Yeah.

And especially if you're moving into retirement, we'll see somebody probably in the three month period about 3 or 4 times.

Sure.

Because we try to make it easier and walk them through because it's trying getting Social Security set up.

We don't we help you do it.

Yeah.

And make recommendations.

But it is scary.

Yeah.

And then you tie that in with income taxes and oh my gosh.

And when you're working you get your paycheck.

We look at that and we have people bring in paycheck stubs too.

And you see all these deductions.

Yeah.

And I go when you're retired.

Guess what.

You don't have all those deductions.

You pay fed you pay state Navy school tax.

Yeah.

City tax maybe.

So it's a lot softer.

I, this isn't it's not said this isn't, obviously client specific, but what do you like best about what you do?

I think what I just mean when I have someone that we walk them through and they get retired.

Yeah, it's it's satisfaction for me.

Sure.

But I also have clients that have been now retired several, several years.

And they said it's working just like you said.

And that's that.

I'll tell you, that's happened a couple of times over the last year.

I say that, and it's such a good feeling.

I mean, I've been doing it 30 years.

Yeah, yeah.

So to get that reward, it makes all well worth it.

And we've talked with you before about you being a runner.

Are you training for anything.

So what are you training for?

I'm running the, Toledo many this weekend.

I do three this weekend.

Yeah.

I'm running from Miami to Toledo.

And then I'm training for the half marathon.

Last city capacity.

So that many we highlighted this week, this week, earlier on the show because it's going to go all through Glass City Metropark and and it ends at the ends of the at the ribbon this weekend.

So good luck.

Thank you.

Are you ready?

I'm.

Yes, I'm training for the Glass City.

So this is kind of a it's not really a race race.

But to wrap up I can do certain similarities between training for a marathon and preparing for retirement.

Not many.

Just just start the week before and you'll be fine.

Yeah.

That's right.

Yeah.

It's planning.

Yeah.

And and you're right.

Consistency.

That's the word consistency when you, when you're talking to somebody about retirement I mean is there a is there a metric of hey I make X amount of dollars today?

I'm retiring in 20 years.

I'm going to need Y. What is that?

Well, some people say you can retire with 80% of what you're making now, but we we look at when you look at that paycheck, you see what someone's making gross.

And usually when you you're talking someone, they want earnings and they say the gross amount.

I go, let's see what the net is.

Because after all these deduction it boils down to this.

And that's what you're really living on.

So we kind of like get a feel of their dreams I always ask it I want to know what they want to do.

If you're just going to retire and sit sit at home and do nothing or you don't have a plan that's a tough route.

You'll get bored.

So you got to have a plan actually sounds wonderful.

And it will be for a week or two week or so.

Now that you have a true, you know, meeting people that I like to work in schools, that work with, that retire and like they retire at the end of the, you know, spring semester.

Summer is a normal summer and then August hits.

And that first day that they get to sleep in on the first day of school, they love it.

But by day two, they're like, find me something to do, I need something.

I found the trip school, right?

We graduated from college.

And obviously they work that way, but it was the first time that was not going back to school.

And there was a sense of, yeah, like, oh, no, what is this?

Yeah.

Well, routine.

Yes, sir, I don't know.

I don't know if we put you through the Gantlet yet, but we're going to do it.

It's now time for Gretchen's wacky quick pieces.

Wait, why are you not excited?

I don't know, For this request to me, Gretchen is asking for your favorite thing.

Enter about Toledo, and then you and Matt.

Or to describe Toledo.

Oh, or the region.

Yeah.

In exactly nine words.

He's.

He's got it.

He's got it.

Got it.

Would you rather have a pet dinosaur?

Oh, boy.

Or a pet dragon.

And that the same thing.

I'm going to go with dragon because I've seen these movies where they're flying with them.

Yeah.

I'm on.

Yeah.

All right, I get you.

So I say low first, stay low.

But still, if I graduate from the Dragon would work with you.

Yeah, I think they would.

Yeah.

It's a dream.

Have you ever had an imaginary best friend?

No.

Can you do an impression of any of anyone famous?

You don't have to do it.

And probably not.

It's not a dog.

I'll give you.

Probably not.

You don't want me doing that and you do not want.

There is something you don't want me singing.

There is a person in that.

He does have an impression.

He just want Justin Timberlake.

Oh, no, that's not.

That's right.

That's fair.

You say Dustin, just like I said.

Justin.

Okay.

Bob can't you.

Chris brother if you could have one crazy hairstyle for a week, what would you choose?

Yeah, I would either shave my head.

Yeah.

Audio Mohawk.

Yeah.

All right.

I can see it.

When I was younger, you know, I wanted to, What do we call the.

I wanted the mullet so bad.

Yeah, but my hair is kind of like, I just wouldn't grow down as a mullet.

Frowned upon in financial investment.

If people think it's true, it wouldn't.

It's too much in the back.

That's the perfect match.

It's all business.

That's my business in the front.

I know your music.

They are music fans, so I'm excited for this answer.

What would make a good theme song to your life?

Love it.

Great question.

Oh, to my life.

It's my I go thunderstruck.

Just keep power.

Not nice.

What is your number one most favorite thing over you?

Considered to be the best thing about the city of Toledo or the region?

And I'm not going to say it's just because he's sitting beside me, okay?

But I love the park system.

And you know, at first, before I start, I mean, I've been running probably 12, 15 years.

I lose track as time kind of goes by fast.

But to have that access.

And to go through it, it's just you're safe there.

So it's very nice and, and I like it.

Great blessing.

All right.

Metroparks it is rapid fire.

Nine words on your mark.

Get set.

Go together.

The best things about the city.

And you guys always talk about promoting northwest Ohio thing.

Yeah.

Northwest Ohio is a great place.

And enjoy.

All right.

It's nice that you've got.

That is close enough done and done.

You know who's counting with the financial.

That's right, that's right Tim.

Ready to retire with Retro Wealth Management.

Thank you so much.

Thank you.

Thanks for your support of this program.

Welcome to we believe with like you do that local matters and local stories matter.

And we're excited to be able to tell and highlight so many of those on this program.

So thank you.

You guys are doing a great job.

Oh thank you.

When we come back, we continue our partnership with the YWCA and highlight this, this year's milestones Award winners.

We're joined by and Egbert from Cherry Street Mission.

We'll be right back on the 419.

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welcome back into the 419 powered by ZTE, continuing our partnership celebrating the YWCA Milestone Awards.

And we're joined by one of the honorees this year in Everett with Cherry Street Mission.

And thank you so much.

She just said good job to me because I've gotten your name wrong for years.

For decades.

The whole time I've known decades.

Yeah.

Evans.

Abbott.

Yeah.

Think of Evenflo people.

Are you sure?

Are you sure it's ever.

I'm fairly sure it's been that way 38 years now.

Okay.

All right.

You can.

You can have it.

Thanks.

Me.

You give Kevin.

Yeah.

Yeah, that's really for sure.

That's my M.O.

is that I'm like, are you sure that you're saying.

Yes.

And we do work in proximity to one another?

But I certainly know you by reputation, so I'm sure nothing makes you feel, more.

I couldn't even talk to you about an award that is going to be bestowed upon you.

Yeah, but we are going to.

We are going to make you, celebrate that.

But not just because of yourself, but also in tandem with the mission you're committed to.

I most people are aware of this.

Or should be.

But can we talk a little bit about that first, if you don't mind?

Oh, let's let's do matter of fact, let's just talk about that.

Yes, sure.

Yeah.

Cherry Street mission, 80 years old next year.

So, you know, kind of an anchor institution, I would say.

So for Toledo.

One of the best things that we've got going on these days is in the last decade or so, we've really, altered our programing from, emergency services, which would be, bed and, hot meal and a shower.

Right.

Which is good.

Absolutely.

You know, if you need that service, that's good to have to really a development organization.

And so what we would like to do for every person that comes in, whether you're a guest and residing with us or whether you're a student and taking our workforce development classes or career training, then we'd like to give you the next step.

So if you're if you're coming in to live with us because that's your opportunity in this city to be safe, then what?

What's next?

Yeah.

No, we the question is always, why Cherry Street and where are you going?

Yes.

We want to be a great temporary relationship for people.

Yeah.

Can you tell us about the physical spaces that that the mission, the cherry that Cherry Street embodies to do the services?

Yeah.

Yeah, we have, multi-site campus.

So the biggest, building that we have is the old Mac Hammer High School, and, we love that building.

And for the last ten years, we've been, renovating the city of Toledo.

Works with us.

Really well as we raise money, then we renovate the next space.

Sure.

And we are completely.

Every time we renovate, we become completely full again with community partners.

We believe that the way that it's the best, to do what we want to do is through collaboration.

So we probably have about 50 partners.

Oh, wow.

That building.

That's.

What about all the time?

Yeah, it's all all, all people's clients are, around us all the time.

So we call that the Life Revitalization Center.

Then we have two, residential shelters.

One is, for men, 161 beds.

And that's right on the corner of Monroe and 17th Street, which is Door Street, you know, as you come into town.

And then we have, women's shelter called the Sparrows Nest.

And the sparrows nest is 78 beds for women.

Yeah.

For women.

And then we're just coming off of our winter crisis mode and where we set up 45 extra cots.

And we have been 100% full.

This is despite my winter crisis.

Mode is perpetual based on the need, or this winter was particularly hard.

It is perpetual.

Every every year we set up a crisis mode.

Yet from December through March, we really just open our doors to whoever, needs our services.

And that might be individuals who are just, you know, recently encountering homelessness.

Or it might be individuals who live in something that really is not, designed for long term habitation.

And they don't have heat.

Oh, goodness.

Or something like that.

A car or so they might come in in a temporary fashion, but they just need those services during the winter months.

I've, I've, you know, heard sort of a shift in language over the years of, you know, instead of saying, Yeah.

But instead of saying, that's a homeless person.

Yeah.

Saying that's a person experiencing homelessness.

Yeah, absolutely.

Explain to me the difference and the importance of, yeah, of of aligning with that.

Yeah.

Yeah, yeah, yeah.

You know, one of the things that we want people to do is to experience the person first.

Yes, we'll say, right is a person first.

And the adjectives, you know, I don't really want to be known as CEO and I want to be known as an I happen to be honored to be the CEO right now.

But I also love my dog.

And I have a 38 year marriage, and I love vegetable gardening.

And I'm great.

I'm a person.

I have a whole life.

And that's true for the people who are experiencing homelessness to.

They might be experiencing homelessness today, but they had a home before, and they have a whole family, and they have interests and hobbies and skills that right now aren't being maybe maximized, but could be given the right opportunity.

What's the what's the thing that people get wrong about people who are experiencing homelessness the most?

What is the what is the an incorrect assumption that people most often make about that?

They're different.

They're different from you and me.

I think if you would sit down with most of our guests, and have lunch with them in our cafe, which anyone's available to do, you would find that having a conversation with one of the guests of Cherry Street looks a lot like having a conversation right now.

That there are there's a need to be, in community with other people.

They have desires for their life.

They have interests, outside of what they're doing right now.

And, people are so much more, like yourself than most people expect.

There any commonality to, you know, how folks come to interact with cherry Street, come to need your services?

Yeah, I would say that the commonality is some traumatic event has happened in their life.

And everybody experiences trauma differently.

Right.

You and I might have the same event.

The same event happened to us.

And you, are resilient and come through that with little or no, remarkable impact.

I might have that same impact.

And I don't have that same resiliency gene, so to speak.

And I crumble and then I lose my job, and then I lose my health insurance, and then I, you know, and then I burn through all of my relationships.

And now I do, Cherry Street is my last option.

There's a there's a human.

And, you know, compassionate kind of motivation to support your mission.

Oh, I'm curious about the just breast tax, financial ROI benefit to someone supporting Cherry Street.

Yeah, and helping, move people out of homelessness.

Yeah, yeah.

You know, it's a fabulous question because, you know, Cherry Street being a faith based organization is in it for people.

You know, we're all people, people who work there.

But even if you're not a people person, right.

If you're strictly a Gretchen, if you're strictly on the show as much.

Right?

Yeah.

Yes.

Yeah.

If you're strictly a spreadsheet is my love language kind of person.

Right.

It's great economic development.

So here's one of the statistics I've been sharing with people lately, because we're building a supportive housing apartment complex right next door to the Life Revitalization Center right now, and that should break ground in June.

But, the statistic that goes with it is it is about, on average in the United States, $1,200 a month to provide a supportive housing apartment for an individual who currently is experiencing homelessness.

That's our M.O., right?

You could also spend $1,200 a month, on three days in the local, jail.

Or you could spend $1,200 on one visit to the emergency room.

Right.

When that's a stark comparison.

Right.

So the community is going to spend $1,200.

You can choose what $1,200 you're going to spend.

And how long have you been at the with the strip.

Yeah I was going to back up street.

Yeah.

Mine.

How did this mission vocation calling find you?

What what what what what?

Maine and the award winner.

What you're making us say.

Yeah, a winner.

And every time you say I can feel my cheeks.

Yeah.

We started sort of at your beginning.

How is this?

Found you.

So, I started out of college in health care, so I was an administrator for high level, physical rehab centers, and born and raised.

Went in Bryan, okay, and went to Miami University and then stayed in Cincinnati for about ten years.

Love and honor.

Yeah.

All right.

I was before the, Red Hawks.

That was before my time.

Just keep moving forward.

Yeah.

Me too.

Right.

Yeah, I love it.

Yeah.

And, so was, you know, really engaged in what?

What is a continuum of care that allows somebody to move forward and get back into their life at the at the level they can get back into their life, right.

From that, went through, some, I guess, personal transformation and entered into ministry.

Okay.

And so I worked at a local church for, just over ten years.

Doing or.

Yeah, doing discipleship work.

I did everything other than, preach on Sundays.

Okay.

So where was that?

That was in white House.

White house?

Okay.

Yeah.

All right.

Yeah.

So back to work outside in the Anthony Wayne district and work with people there and, you know, run the daycare and run the youth group and run small groups and so run ragged.

Run ragged.

Yeah.

That is a, thankless.

Yes, absolutely.

We're talking with Ann Edwards with the Cherry Street mission, CEO of Cherry Street.

You are also the 2026 YWCA Social Services honoree for the Milestone Awards.

Yeah.

Talk to me about getting that that phone call.

Who who made the call and what was your reaction?

Yeah, Lisa McDuffie called me.

You know, she's the executive director of the YWCA.

A lovely individual, really.

One of the best, executive directors in Toledo has done marvelous things at the W. And my reaction was, I think I was so shocked.

I don't know if I had a reaction.

It's really outside my scope of expectation that, anybody's even looking at Cherry Street.

We're just trying to put our nose down and do the good work for the the folks that.

Yeah, need our services.

Y I mean, I know you're a very humble person.

Don't like talking about the award, but this award is also an opportunity to highlight the niche.

Yeah.

Of the why.

Why is why is their mission so important today?

The mission.

Yeah.

I think, you know, between their mission serving individuals, who are going through domestic violence, as well as bringing, awareness to diversity and, all of the things that surround that, you know, it allows them to have a voice and an advocacy at the table, that other people don't have.

And I think it is so vital for those individuals who don't have a voice to have someone who's well respected, to be able to sit at the table and be that voice, because that's a voice for thousands of people.

What are you excited about for the day, for the, I'm sure your family and friends will be there.

So what are you most looking forward to?

Oh, I am super siblings.

I do, I have a younger sister to have you dropped her?

I know that you're an award winner.

How are you?

This over her?

Oh, I am, intending to put my thumb on her.

Yes, for years.

Yes, this is it.

This.

This is the big.

Yeah.

That was the square t shirt at Christmas.

Yes.

Winner.

Award winner yourselves.

I've got.

To hold the not award winner, but bring home some hardware for yourselves.

What did you ask me to call her?

Yeah.

Oh, shit.

I am so sorry.

I had the wrong number for the non award winner.

Oh, sorry.

Yeah.

Oh that's great.

Now I am looking forward to my folks live here in, Waterville.

In Story point.

Okay.

And so we're bringing them along for the day.

And I'm really excited for them to be able to be a great day and be a part of that and say, hey, you guys, great job.

Did you didn't you did.

Well, yeah.

We talked a lot about kind of origins and parents.

So talk to me about, you know, tell me about your parents and kind of were they in this same sort of community service, social service.

I would say that Apple probably didn't fall far from the tree.

Yeah.

My mom and dad were very, very engaged in our community, growing up.

And Brian, my great grandfather was the mayor.

And Brian.

Okay.

And so he, I don't know, I think it just comes through the lines.

Right.

This is what you do.

You serve your community.

Right.

And if you're going to be a part of the community, you need to be making that a better, better space.

My dad was a teacher, and he taught biology.

Okay.

So he got to have lots of weird little critters around a lot during your sister again.

Oh, she's one of those.

Yes.

Yeah.

All right.

We have about a minute and a half.

Let's do the quiz.

Oh my gosh.

Rapid fire, rapid fire.

She's right there.

If you were an artist, what would you paint on your first day?

Oh, I would paint a landscape I love it.

Yeah.

What do you do or what do you know?

Baking.

Not well done.

What's next?

Yeah.

All right, we're moving up.

What's your favorite magical or mythical?

Mythological animal?

Oh, it's got to be, that flying dragon, the movie and you gets on How to train your dragon.

There you go.

Yeah, well, you're all dragon themed today.

Yeah, yeah.

This would be a tough one for me.

Because I'm not a fan of the books.

Which Hogwarts house would you belong to?

I I'm afraid I am too old to even know these things.

Yeah, the one with the dragon.

Then you got the dragon.

Dragon?

What's your name?

What are the good ones?

Yeah, well, the good one.

Most favorite thing or what you considered to be the best thing about the city of Toledo or the region?

Hands down people I heard just say, Metroparks, thanks for coming up.

And the parks.

People use the parks.

The people use parks.

Good.

We're going to we're going to let you off the hook on the 19.

We'll end on that.

Thank you.

So much.

Congratulations.

Thank you so much.

I know you won't believe this, but such a well-deserved.

Absolutely.

Organization does great work, but you've been an incredible leader to them as well.

So thank you.

You being on the program.

And it's been fun.

2026 YWCA Social Services honoree.

The luncheon is in a couple of days.

For more information on that, you can visit YWCA and W row.org.

We will be right back.

Easy for me to say to wrap up this episode of the 418.

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Welcome back.

Into the 419 is a wrap up, a Tuesday edition.

Tuesday.

It's Tuesday at 7 a.m.

on YouTube.

It's Tuesday at 3 p.m.

on FM 91 in Toledo, Brian Devine's in Lima, and it's Tuesday at 6 p.m.

and we get an extra.

And that point for where can find the app, you can find it on your two phones.

And what's the email to the show?

It is?

Well, I don't like to talk about how long.

Yeah, it turns out it is for one 9@gt.org.

So if you have complaints about Matt or you have any show suggestions or anything, you can email us at that.

That's really that email address.

What you do every day is you set send me.

I just do a blind copy of that email for everything.

Every email I sent.

We also didn't get a chance to mention, the the website address for when and ever was here.

Cherry Street mission.org.

If you want more information about their fabulous organization.

Fabulous.

And our good friend, Heather gal from 577 Foundation brought in a little butterfly.

Yeah.

Love it that put that on the shelf.

Gretchen, you are not.

I won't take it, I promise.

I we wouldn't have any of them on at all if it wasn't for Tim.

Richard.

That's right.

He's a piece.

I was like, I like, you're pointing to me.

And I'm like, I didn't mean you do it today.

So yeah, I think, yeah, I'm the one that brought the show together actually.

Yeah.

That's you were you were without you, Matt.

Gretchen and I would still be sleeping.

That's right, that's right.

So huge thanks.

Here's thanks to Heather down to the five, six, seven Foundation.

Tim, we drove we drove manager for his support of the program.

And, of course, thanks and congratulations to an abbot with Cherry Street Mission, the 2026 YWCA Milestone Award winner for social services category.

Of course, if you missed any part of the show, we weren't kidding.

7 a.m.

on YouTube, 3 p.m.

on FM 91 in Toledo, Brian, Defiance and Lima.

It's back in Ann's hometown and 6 p.m.

on next channel 30.4 24 7@e.org.

Slash the 419 or download the new and improved app.

Thank you to all of our guests.

Thanks to my co-hosts and thanks to you for joining us today on the 419 powered by GT and presented by The Man, the myth, the legend, Tim Retro and our friends at Retro Wealth Management, The 419, powered by WGTE is made possible in part by supporters like you.

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