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The Midlife Money Reset: How to Build Real Wealth After 40 with Hayley Dickson · The Iconic Midlife with Roxy Manning

• 0:00
  Even
• 0:00
  just
• 0:00
  reserving
• 0:01
  time
• 0:02
  to
• 0:02
  think
• 0:02
  and
• 0:02
  talk
• 0:03
  about
• 0:03
  money
• 0:04
  is
• 0:05
  the
• 0:05
  first
• 0:05
  step.
• 0:06
  You
• 0:06
  know,
• 0:06
  what
• 0:06
  would
• 0:07
  the
• 0:07
  perfect
• 0:07
  investment
• 0:07
  be?
• 0:07
  Well,
• 0:08
  here's
• 0:08
  the
• 0:08
  punchline.
• 0:08
  It
• 0:08
  doesn't
• 0:09
  exist.
• 0:09
  Doesn't
• 0:09
  exist.
• 0:10
  I
• 0:10
  love
• 0:10
  how
• 0:11
  you
• 0:11
  refer
• 0:11
  to
• 0:11
  yourself
• 0:12
  as
• 0:12
  a
• 0:12
  financial
• 0:13
  life
• 0:13
  designer.
• 0:14
  I
• 0:15
  help
• 0:15
  my
• 0:15
  clients
• 0:16
  use
• 0:16
  the
• 0:16
  money
• 0:16
  that
• 0:16
  they
• 0:17
  work
• 0:17
  so
• 0:17
  hard
• 0:17
  to
• 0:17
  earn
• 0:18
  to
• 0:18
  design
• 0:18
  the
• 0:18
  life
• 0:18
  they
• 0:19
  want
• 0:19
  to
• 0:19
  live.
• 0:19
  I
• 0:20
  think
• 0:20
  women
• 0:20
  are
• 0:20
  often
• 0:21
  are
• 0:21
  just
• 0:21
  like
• 0:21
  waiting,
• 0:22
  wait
• 0:22
  until
• 0:22
  the
• 0:22
  new
• 0:22
  job,
• 0:23
  wait
• 0:23
  until
• 0:23
  I
• 0:23
  find
• 0:24
  a
• 0:24
  partner,
• 0:24
  wait
• 0:24
  until
• 0:25
  this
• 0:25
  to
• 0:25
  make
• 0:25
  these
• 0:26
  big
• 0:26
  financial
• 0:26
  moves.
• 0:27
  And
• 0:27
  like
• 0:27
  that
• 0:27
  is
• 0:27
  again,
• 0:28
  shotgun
• 0:28
  in
• 0:28
  the
• 0:28
  foot.
• 0:29
  It's
• 0:29
  like,
• 0:29
  well,
• 0:30
  if
• 0:30
  I
• 0:30
  do
• 0:30
  it
• 0:30
  this
• 0:30
  way,
• 0:30
  then
• 0:31
  it
• 0:31
  has
• 0:31
  to
• 0:31
  stay
• 0:31
  this
• 0:31
  way
• 0:32
  forever
• 0:32
  and
• 0:32
  ever
• 0:32
  and
• 0:32
  ever.
• 0:33
  And
• 0:33
  it's
• 0:33
  like,
• 0:33
  no,
• 0:34
  you
• 0:34
  can
• 0:34
  always
• 0:35
  change,
• 0:35
  right?
• 0:36
  You
• 0:36
  can
• 0:36
  always
• 0:36
  be
• 0:36
  flexible.
• 0:37
  Well,
• 0:37
  you
• 0:37
  just
• 0:38
  have
• 0:38
  to
• 0:38
  have
• 0:38
  a
• 0:38
  plan.
• 0:39
  As
• 0:39
  far
• 0:39
  as
• 0:39
  timing
• 0:40
  goes.
• 0:40
  Is
• 0:40
  it
• 0:41
  ever
• 0:41
  too
• 0:41
  late
• 0:42
  for
• 0:42
  a
• 0:43
  woman
• 0:43
  in
• 0:43
  midlife
• 0:44
  to
• 0:45
  get
• 0:45
  involved,
• 0:46
  start
• 0:46
  investing,
• 0:47
  but
• 0:48
  in
• 0:48
  order
• 0:48
  to
• 0:48
  truly
• 0:49
  like
• 0:49
  to
• 0:49
  build
• 0:50
  real
• 0:50
  wealth,
• 0:51
  no,
• 0:52
  it's
• 0:52
  never
• 0:52
  too
• 0:52
  late.
• 0:53
  Homo
• 0:53
  sapiens
• 0:54
  cannot
• 0:54
  live
• 0:54
  on
• 0:54
  a
• 0:54
  budget.
• 0:55
  They
• 0:55
  can't.
• 0:57
  Thank
• 0:57
  you.
• 0:57
  You
• 0:58
  need
• 0:58
  to
• 0:58
  talk
• 0:58
  to
• 0:58
  my
• 0:58
  husband
• 0:59
  about
• 0:59
  that
• 0:59
  success.
• 1:00
  The
• 1:00
  way
• 1:00
  that
• 1:00
  I
• 1:00
  define
• 1:01
  success
• 1:01
  with
• 1:01
  my
• 1:02
  clients
• 1:02
  is
• 1:02
  are
• 1:02
  you
• 1:03
  getting
• 1:03
  what
• 1:03
  you
• 1:03
  want
• 1:03
  when
• 1:03
  you
• 1:04
  said
• 1:04
  you
• 1:04
  wanted
• 1:04
  it,
• 1:05
  with
• 1:05
  who
• 1:05
  you
• 1:05
  wanted
• 1:05
  it
• 1:05
  and
• 1:06
  the
• 1:06
  way
• 1:06
  you
• 1:06
  wanted
• 1:06
  it
• 1:06
  and
• 1:07
  how
• 1:07
  you
• 1:07
  wanted
• 1:07
  it?
• 1:12
  Today's
• 1:12
  guest
• 1:13
  is
• 1:13
  someone
• 1:13
  I
• 1:13
  genuinely
• 1:14
  believe
• 1:14
  every
• 1:15
  woman
• 1:15
  needs
• 1:15
  in
• 1:16
  her
• 1:16
  corner.
• 1:17
  Not
• 1:17
  just
• 1:17
  because
• 1:18
  she
• 1:18
  understands
• 1:19
  money,
• 1:19
  but
• 1:19
  because
• 1:20
  she
• 1:20
  understands
• 1:21
  the
• 1:21
  life
• 1:21
  behind
• 1:22
  the
• 1:22
  money.
• 1:23
  Hailey
• 1:23
  Dixon
• 1:24
  is
• 1:24
  a
• 1:24
  wealth
• 1:24
  advisor
• 1:25
  and
• 1:25
  financial
• 1:26
  strategist
• 1:27
  known
• 1:27
  for
• 1:27
  helping
• 1:28
  successful
• 1:28
  women
• 1:29
  and
• 1:29
  families
• 1:29
  build
• 1:30
  intentional
• 1:31
  long
• 1:31
  term
• 1:31
  wealth.
• 1:32
  After
• 1:32
  beginning
• 1:33
  her
• 1:33
  career
• 1:33
  in
• 1:33
  entertainment,
• 1:34
  she
• 1:34
  transitioned
• 1:35
  into
• 1:35
  finance,
• 1:36
  became
• 1:37
  one
• 1:37
  of
• 1:37
  the
• 1:37
  fastest
• 1:37
  growing
• 1:38
  advisors
• 1:38
  at
• 1:39
  Northwestern
• 1:39
  Mutual,
• 1:40
  and
• 1:40
  eventually
• 1:41
  launched
• 1:41
  her
• 1:41
  own
• 1:42
  firm
• 1:42
  focused
• 1:43
  on
• 1:43
  transparency
• 1:44
  strategy
• 1:45
  and
• 1:45
  designing
• 1:45
  financial
• 1:46
  lives
• 1:46
  that
• 1:47
  actually
• 1:47
  align
• 1:48
  with
• 1:48
  who
• 1:48
  you
• 1:48
  are.
• 1:49
  And
• 1:50
  that's
• 1:50
  why
• 1:50
  this
• 1:50
  conversation
• 1:51
  matters.
• 1:52
  Because
• 1:53
  by
• 1:53
  the
• 1:53
  time
• 1:53
  we
• 1:53
  reach
• 1:54
  our
• 1:54
  40s
• 1:54
  and
• 1:54
  50s,
• 1:55
  we're
• 1:55
  not
• 1:56
  just
• 1:56
  earning.
• 1:56
  We're
• 1:57
  making
• 1:57
  decisions
• 1:58
  that
• 1:58
  shape
• 1:58
  the
• 1:58
  next
• 1:59
  20,
• 1:59
  30,
• 2:00
  even
• 2:00
  40
• 2:01
  years
• 2:01
  of
• 2:01
  our
• 2:01
  lives.
• 2:02
  Marriage,
• 2:03
  divorce,
• 2:04
  risk,
• 2:04
  reinvention,
• 2:05
  legacy.
• 2:06
  The
• 2:06
  question
• 2:07
  of
• 2:07
  whether
• 2:07
  we're
• 2:08
  actually
• 2:08
  building
• 2:08
  wealth
• 2:09
  or
• 2:09
  just
• 2:10
  maintaining
• 2:10
  a
• 2:11
  lifestyle.
• 2:12
  If
• 2:12
  you've
• 2:12
  ever
• 2:12
  felt
• 2:13
  confident
• 2:13
  on
• 2:13
  the
• 2:14
  outside
• 2:14
  but
• 2:14
  quietly
• 2:15
  unsure
• 2:15
  about
• 2:15
  what's
• 2:16
  really
• 2:16
  happening
• 2:17
  with
• 2:17
  your
• 2:17
  money,
• 2:18
  this
• 2:18
  episode
• 2:19
  is
• 2:19
  for
• 2:19
  you.
• 2:20
  So
• 2:20
  before
• 2:21
  we
• 2:21
  dive
• 2:21
  in,
• 2:22
  take
• 2:22
  a
• 2:22
  second
• 2:23
  and
• 2:23
  tap.
• 2:23
  Follow
• 2:24
  wherever
• 2:24
  you're
• 2:25
  listening.
• 2:25
  It
• 2:26
  helps
• 2:26
  the
• 2:26
  show
• 2:26
  grow
• 2:27
  and
• 2:27
  it
• 2:27
  helps
• 2:27
  more
• 2:28
  women
• 2:28
  find
• 2:28
  these
• 2:29
  conversations.
• 2:30
  And
• 2:30
  it
• 2:30
  makes
• 2:31
  sure
• 2:31
  you
• 2:31
  never
• 2:32
  miss
• 2:32
  an
• 2:32
  episode
• 2:33
  like
• 2:33
  this
• 2:33
  one.
• 2:34
  We're
• 2:34
  talking
• 2:34
  about
• 2:35
  midlife
• 2:35
  wealth
• 2:36
  blind
• 2:36
  spots.
• 2:37
  Smart
• 2:37
  women
• 2:38
  still
• 2:38
  have
• 2:39
  what
• 2:39
  real
• 2:40
  financial
• 2:40
  independence
• 2:41
  looks
• 2:41
  like
• 2:41
  and
• 2:42
  how
• 2:42
  to
• 2:42
  feel
• 2:42
  powerful,
• 2:43
  not
• 2:44
  Just
• 2:44
  financially,
• 2:45
  but
• 2:45
  emotionally,
• 2:46
  in
• 2:47
  the
• 2:47
  decisions
• 2:47
  you're
• 2:48
  making.
• 2:49
  Hailey,
• 2:49
  I'm
• 2:50
  so
• 2:50
  glad
• 2:50
  you're
• 2:50
  here.
• 2:55
  Welcome
• 2:56
  to
• 2:56
  the
• 2:56
  iconic
• 2:57
  midlife.
• 2:57
  Haley,
• 2:58
  how
• 2:58
  are
• 2:58
  you
• 2:59
  today?
• 2:59
  Thank
• 3:00
  you,
• 3:00
  Roxy.
• 3:00
  I'm
• 3:01
  so
• 3:01
  excited
• 3:01
  to
• 3:01
  be
• 3:01
  here
• 3:02
  and
• 3:02
  make
• 3:02
  money.
• 3:03
  Sexy.
• 3:03
  That's
• 3:03
  my
• 3:03
  favorite
• 3:04
  thing.
• 3:05
  Oh,
• 3:05
  we
• 3:05
  love
• 3:06
  sexy
• 3:06
  money.
• 3:06
  I
• 3:07
  mean,
• 3:07
  that
• 3:07
  just
• 3:07
  is
• 3:08
  the
• 3:08
  best
• 3:08
  turn
• 3:09
  on,
• 3:09
  right?
• 3:10
  That's
• 3:11
  so
• 3:11
  cool.
• 3:11
  Well,
• 3:11
  I
• 3:12
  loved
• 3:12
  reading
• 3:13
  about
• 3:13
  your
• 3:13
  story
• 3:14
  because
• 3:15
  you
• 3:15
  are
• 3:15
  this,
• 3:16
  like,
• 3:16
  magnate,
• 3:17
  like,
• 3:17
  financial
• 3:18
  advisor,
• 3:18
  but
• 3:19
  you
• 3:19
  actually
• 3:20
  started
• 3:20
  out
• 3:21
  in
• 3:21
  reality
• 3:22
  television.
• 3:23
  So
• 3:23
  kind
• 3:23
  of
• 3:24
  talk
• 3:24
  a
• 3:24
  little
• 3:24
  bit
• 3:25
  about,
• 3:25
  you
• 3:25
  know,
• 3:25
  this
• 3:26
  whole
• 3:26
  trajectory.
• 3:27
  I
• 3:27
  think
• 3:27
  it's
• 3:27
  so
• 3:27
  interesting.
• 3:28
  But
• 3:28
  also,
• 3:29
  oh,
• 3:29
  before
• 3:29
  I
• 3:30
  forget,
• 3:30
  you
• 3:31
  and
• 3:31
  I
• 3:31
  are
• 3:31
  both
• 3:31
  from
• 3:31
  Texas
• 3:32
  too,
• 3:33
  so
• 3:34
  we've
• 3:34
  got
• 3:34
  the
• 3:34
  Texas
• 3:35
  girls
• 3:36
  situation
• 3:36
  under
• 3:36
  our
• 3:36
  belt.
• 3:37
  But
• 3:37
  I
• 3:37
  would
• 3:37
  love
• 3:38
  to
• 3:38
  hear
• 3:38
  about
• 3:38
  the
• 3:38
  whole,
• 3:39
  like,
• 3:39
  origin
• 3:39
  story.
• 3:40
  Absolutely.
• 3:41
  Yeah.
• 3:41
  So,
• 3:42
  you
• 3:43
  know,
• 3:43
  in
• 3:43
  the
• 3:43
  entertainment
• 3:44
  world,
• 3:44
  I
• 3:44
  came
• 3:44
  out
• 3:45
  here
• 3:45
  when
• 3:45
  I
• 3:45
  was
• 3:45
  in
• 3:45
  my
• 3:45
  mid-20s
• 3:46
  and
• 3:47
  accelerated
• 3:48
  up
• 3:48
  that
• 3:48
  entertainment
• 3:49
  world
• 3:50
  ladder
• 3:50
  in
• 3:51
  10
• 3:51
  years.
• 3:51
  And
• 3:51
  I
• 3:51
  went
• 3:52
  from
• 3:52
  an
• 3:52
  assistant
• 3:52
  to
• 3:52
  an
• 3:53
  SVP
• 3:53
  and
• 3:53
  I
• 3:53
  did
• 3:54
  international
• 3:54
  television
• 3:55
  distribution
• 3:56
  and
• 3:57
  kind
• 3:57
  of
• 3:57
  living
• 3:57
  the
• 3:57
  vision
• 3:58
  of
• 3:58
  me
• 3:58
  and
• 3:58
  stilettos
• 3:59
  and
• 3:59
  in
• 3:59
  business
• 3:59
  class
• 4:00
  traveling
• 4:00
  to
• 4:00
  Cannes,
• 4:01
  in
• 4:01
  London
• 4:01
  and
• 4:01
  all
• 4:01
  of
• 4:02
  that
• 4:02
  sexy
• 4:03
  stuff.
• 4:03
  Actually,
• 4:04
  you're
• 4:04
  in
• 4:04
  pajamas,
• 4:05
  as
• 4:05
  you
• 4:06
  know,
• 4:06
  not
• 4:06
  stilettos,
• 4:06
  when
• 4:07
  you're
• 4:07
  in
• 4:07
  business
• 4:08
  class
• 4:08
  traveling.
• 4:08
  But
• 4:09
  I
• 4:09
  got
• 4:09
  to
• 4:09
  this
• 4:10
  point
• 4:10
  where
• 4:11
  I
• 4:12
  just
• 4:13
  didn't
• 4:13
  feel
• 4:13
  like
• 4:14
  I
• 4:14
  was
• 4:14
  meant
• 4:14
  to
• 4:14
  be
• 4:14
  in
• 4:15
  the
• 4:15
  entertainment
• 4:15
  world
• 4:15
  anymore.
• 4:16
  Talking
• 4:16
  about
• 4:16
  content
• 4:17
  and
• 4:17
  not
• 4:17
  having
• 4:17
  an
• 4:17
  impact
• 4:18
  in
• 4:18
  the
• 4:18
  world.
• 4:19
  And
• 4:19
  that
• 4:19
  felt
• 4:19
  crazy
• 4:19
  to
• 4:20
  me
• 4:20
  because
• 4:21
  who
• 4:21
  has
• 4:21
  a
• 4:21
  why
• 4:21
  in
• 4:21
  their
• 4:22
  work?
• 4:23
  And,
• 4:24
  you
• 4:24
  know,
• 4:24
  in
• 4:25
  2016,
• 4:25
  I
• 4:26
  left
• 4:26
  with
• 4:27
  no
• 4:27
  net,
• 4:27
  as
• 4:27
  I
• 4:27
  call
• 4:28
  it,
• 4:28
  and
• 4:29
  was
• 4:29
  kind
• 4:29
  of
• 4:30
  figuring
• 4:30
  out
• 4:30
  where
• 4:30
  my
• 4:30
  skills
• 4:31
  are
• 4:31
  transferable
• 4:32
  and
• 4:32
  how
• 4:32
  I
• 4:32
  can
• 4:32
  reinvent
• 4:33
  myself.
• 4:33
  When
• 4:33
  I
• 4:33
  was
• 4:33
  33
• 4:34
  and
• 4:34
  I
• 4:34
  had
• 4:34
  a
• 4:34
  six
• 4:35
  month
• 4:35
  old
• 4:35
  baby
• 4:35
  and
• 4:35
  a
• 4:35
  husband
• 4:36
  in
• 4:36
  business
• 4:36
  school
• 4:36
  and
• 4:38
  thought
• 4:38
  about
• 4:39
  real
• 4:39
  estate,
• 4:39
  and
• 4:39
  then
• 4:39
  I'm
• 4:39
  like,
• 4:39
  I
• 4:40
  don't
• 4:40
  really
• 4:40
  care
• 4:40
  about
• 4:40
  property
• 4:41
  and
• 4:43
  came
• 4:43
  across
• 4:43
  this
• 4:44
  idea
• 4:44
  of
• 4:44
  being
• 4:44
  a
• 4:44
  financial
• 4:44
  advisor
• 4:45
  and
• 4:45
  really
• 4:45
  understanding
• 4:46
  the
• 4:46
  qualitative
• 4:47
  and
• 4:47
  quantitative
• 4:47
  element
• 4:48
  of
• 4:48
  it.
• 4:49
  And
• 4:49
  it
• 4:49
  just
• 4:49
  felt
• 4:50
  perfectly
• 4:50
  aligned
• 4:51
  with
• 4:51
  my
• 4:51
  love
• 4:51
  of
• 4:51
  coaching,
• 4:52
  my
• 4:52
  love
• 4:52
  of
• 4:52
  strategic
• 4:53
  advice,
• 4:53
  and
• 4:53
  my
• 4:53
  love
• 4:54
  of
• 4:54
  helping
• 4:55
  people
• 4:55
  do
• 4:55
  things
• 4:55
  they
• 4:55
  never
• 4:55
  thought
• 4:56
  they
• 4:56
  could
• 4:56
  do
• 4:56
  in
• 4:56
  a
• 4:56
  way
• 4:57
  that
• 4:59
  is
• 4:59
  really
• 5:00
  fun
• 5:00
  and
• 5:00
  adventurous.
• 5:02
  So
• 5:02
  now
• 5:03
  I've
• 5:03
  had
• 5:03
  ripple
• 5:04
  for
• 5:04
  10
• 5:05
  years
• 5:05
  now.
• 5:05
  And,
• 5:06
  um,
• 5:07
  I
• 5:07
  love
• 5:07
  what
• 5:07
  I
• 5:07
  do.
• 5:08
  I
• 5:08
  am
• 5:08
  meant
• 5:08
  to
• 5:08
  do
• 5:09
  this.
• 5:09
  And
• 5:09
  I'm
• 5:09
  on
• 5:09
  a
• 5:09
  revolution
• 5:10
  to
• 5:10
  change
• 5:10
  the
• 5:11
  way
• 5:11
  that
• 5:11
  women
• 5:12
  experience
• 5:13
  money
• 5:13
  and
• 5:14
  experience
• 5:14
  partnership.
• 5:15
  So
• 5:17
  why
• 5:17
  was
• 5:18
  it
• 5:18
  so
• 5:18
  important
• 5:19
  for
• 5:19
  you
• 5:19
  to
• 5:19
  shine
• 5:19
  a
• 5:20
  light
• 5:20
  on
• 5:20
  finances,
• 5:21
  especially
• 5:21
  for
• 5:21
  women?
• 5:24
  So
• 5:24
  I
• 5:24
  had
• 5:25
  a
• 5:25
  pretty
• 5:25
  big
• 5:26
  ego
• 5:27
  shift.
• 5:27
  A
• 5:27
  humbling
• 5:28
  experience
• 5:28
  going
• 5:29
  from
• 5:29
  corner
• 5:29
  office
• 5:29
  Hollywood
• 5:30
  exec
• 5:30
  with
• 5:31
  an
• 5:31
  unlimited
• 5:31
  budget,
• 5:32
  you
• 5:32
  know,
• 5:32
  to
• 5:33
  gum
• 5:33
  on
• 5:33
  a
• 5:33
  shoe.
• 5:34
  Financial
• 5:34
  advisor,
• 5:35
  you
• 5:35
  know,
• 5:35
  where
• 5:37
  there's
• 5:37
  17
• 5:37
  on
• 5:38
  every
• 5:38
  corner.
• 5:38
  And
• 5:39
  I
• 5:39
  realized
• 5:40
  really
• 5:40
  quickly
• 5:43
  how
• 5:43
  people
• 5:44
  in
• 5:44
  general
• 5:45
  feel
• 5:45
  about
• 5:45
  financial
• 5:46
  advisors,
• 5:46
  right?
• 5:47
  Which
• 5:47
  is
• 5:47
  lack
• 5:47
  of
• 5:48
  trust.
• 5:48
  You
• 5:49
  know,
• 5:49
  that's
• 5:49
  typically
• 5:50
  a
• 5:50
  white
• 5:50
  male.
• 5:51
  No
• 5:51
  offense
• 5:52
  to,
• 5:52
  you
• 5:52
  know,
• 5:52
  that
• 5:53
  part
• 5:53
  of
• 5:53
  the
• 5:53
  world.
• 5:54
  I
• 5:54
  married
• 5:54
  one.
• 5:56
  Mansplaining,
• 5:57
  and
• 5:57
  that's
• 5:57
  57.
• 5:58
  And,
• 5:58
  you
• 5:58
  know,
• 5:59
  and
• 5:59
  jargon
• 6:00
  and,
• 6:01
  you
• 6:01
  know,
• 6:01
  you
• 6:01
  don't
• 6:02
  feel
• 6:02
  safe
• 6:02
  or
• 6:02
  secure.
• 6:03
  And
• 6:03
  I
• 6:03
  realized
• 6:04
  really
• 6:04
  quickly
• 6:04
  that
• 6:05
  I
• 6:06
  am
• 6:06
  different.
• 6:07
  I
• 6:07
  look
• 6:07
  different,
• 6:07
  I
• 6:07
  talk
• 6:07
  different,
• 6:08
  I
• 6:08
  act
• 6:08
  different,
• 6:08
  I
• 6:08
  plan
• 6:09
  different.
• 6:11
  I
• 6:11
  call
• 6:11
  myself
• 6:11
  a
• 6:12
  financial
• 6:12
  life
• 6:12
  designer.
• 6:13
  And
• 6:13
  so
• 6:13
  I
• 6:14
  realized
• 6:14
  really
• 6:14
  early
• 6:15
  on
• 6:16
  that
• 6:16
  the
• 6:17
  way
• 6:17
  that
• 6:17
  I
• 6:17
  can
• 6:19
  in
• 6:19
  the
• 6:20
  first
• 6:20
  two
• 6:20
  or
• 6:20
  three,
• 6:20
  four
• 6:20
  minutes
• 6:21
  of
• 6:21
  talking
• 6:21
  to
• 6:21
  somebody,
• 6:22
  shift
• 6:22
  their
• 6:22
  energy
• 6:23
  into
• 6:23
  heavy,
• 6:24
  daunting.
• 6:24
  Ugh,
• 6:25
  why
• 6:25
  am
• 6:25
  I
• 6:25
  here?
• 6:25
  To.
• 6:27
  This
• 6:27
  should
• 6:27
  be
• 6:27
  a
• 6:27
  really
• 6:28
  fun,
• 6:28
  exciting
• 6:28
  conversation.
• 6:29
  Money
• 6:30
  and
• 6:30
  the
• 6:30
  fact
• 6:30
  that
• 6:30
  I
• 6:30
  worked
• 6:31
  so
• 6:31
  hard
• 6:32
  to
• 6:32
  get
• 6:32
  to
• 6:32
  where
• 6:32
  I
• 6:32
  am.
• 6:33
  Like,
• 6:34
  I
• 6:34
  should
• 6:35
  be
• 6:35
  living
• 6:35
  the
• 6:35
  life
• 6:35
  in
• 6:36
  the
• 6:36
  way
• 6:36
  I
• 6:36
  want
• 6:36
  to,
• 6:36
  and
• 6:36
  that
• 6:37
  should
• 6:37
  be
• 6:37
  fun,
• 6:38
  right?
• 6:38
  So
• 6:38
  that's
• 6:39
  where
• 6:39
  I
• 6:39
  found,
• 6:40
  like,
• 6:40
  this
• 6:41
  is
• 6:41
  my
• 6:41
  gift
• 6:41
  to
• 6:41
  the
• 6:42
  world,
• 6:42
  you
• 6:42
  know?
• 6:43
  And
• 6:43
  your
• 6:44
  background,
• 6:44
  I
• 6:44
  thought
• 6:44
  was
• 6:44
  so
• 6:45
  interesting
• 6:45
  because
• 6:45
  you
• 6:45
  were
• 6:45
  giving
• 6:46
  me
• 6:46
  a
• 6:46
  little
• 6:46
  bit
• 6:46
  of,
• 6:46
  like,
• 6:47
  insight
• 6:47
  into
• 6:47
  that.
• 6:48
  You
• 6:49
  moved
• 6:49
  around
• 6:49
  a
• 6:49
  little
• 6:50
  bit
• 6:50
  and
• 6:51
  had
• 6:51
  what
• 6:52
  seems
• 6:52
  to
• 6:52
  be,
• 6:52
  like,
• 6:52
  a
• 6:53
  very
• 6:53
  colorful
• 6:53
  mom.
• 6:54
  So
• 6:55
  tell
• 6:55
  me
• 6:55
  a
• 6:55
  little
• 6:55
  bit
• 6:56
  more
• 6:56
  about
• 6:56
  that
• 6:56
  and
• 6:57
  how
• 6:57
  that
• 6:57
  kind
• 6:57
  of
• 6:57
  influenced.
• 6:59
  Oh,
• 6:59
  Mama.
• 6:59
  Hi,
• 7:00
  Mom.
• 7:02
  My
• 7:02
  mother
• 7:03
  is
• 7:03
  80.
• 7:04
  She
• 7:04
  was
• 7:04
  born
• 7:04
  in
• 7:04
  1945,
• 7:06
  and
• 7:07
  she
• 7:07
  was
• 7:07
  married
• 7:07
  and
• 7:08
  divorced
• 7:08
  four
• 7:08
  times
• 7:09
  by
• 7:09
  the
• 7:09
  time
• 7:09
  I
• 7:09
  turned
• 7:10
  23.
• 7:12
  So
• 7:12
  my
• 7:13
  father
• 7:13
  was
• 7:13
  the
• 7:13
  second,
• 7:14
  and
• 7:14
  I
• 7:14
  had
• 7:14
  a
• 7:14
  third
• 7:15
  and
• 7:15
  a
• 7:15
  fourth
• 7:15
  stepdad.
• 7:17
  And
• 7:18
  through
• 7:18
  that
• 7:19
  experience,
• 7:20
  and
• 7:20
  my
• 7:20
  mother's
• 7:21
  an
• 7:21
  RN,
• 7:21
  and
• 7:21
  she
• 7:21
  was
• 7:21
  educated
• 7:22
  and
• 7:22
  all
• 7:22
  this
• 7:22
  kind
• 7:22
  of
• 7:22
  stuff,
• 7:23
  but
• 7:23
  I
• 7:23
  saw
• 7:24
  the
• 7:24
  turbulence
• 7:24
  of
• 7:25
  money
• 7:25
  and
• 7:26
  what
• 7:26
  that
• 7:26
  creates.
• 7:27
  And
• 7:28
  I
• 7:28
  remember.
• 7:29
  This
• 7:29
  is
• 7:29
  just.
• 7:29
  If
• 7:30
  I
• 7:30
  can
• 7:30
  share
• 7:30
  a
• 7:30
  little
• 7:30
  story
• 7:31
  here.
• 7:31
  I
• 7:31
  remember
• 7:31
  coming
• 7:32
  home
• 7:32
  from
• 7:32
  sophomore
• 7:33
  year
• 7:33
  at
• 7:33
  college.
• 7:34
  I
• 7:34
  went
• 7:34
  to
• 7:35
  Vanderbilt.
• 7:35
  I
• 7:35
  came
• 7:35
  home,
• 7:36
  and
• 7:36
  I
• 7:36
  was
• 7:36
  helping
• 7:36
  my
• 7:36
  mom
• 7:36
  pack
• 7:37
  yet
• 7:37
  again
• 7:37
  to
• 7:38
  move
• 7:38
  out
• 7:38
  of
• 7:38
  one
• 7:38
  house
• 7:38
  into
• 7:39
  another
• 7:39
  house.
• 7:40
  And
• 7:40
  I
• 7:40
  came
• 7:40
  across
• 7:41
  this
• 7:42
  textbook.
• 7:42
  It
• 7:43
  was
• 7:43
  a
• 7:43
  textbook
• 7:44
  assigned
• 7:44
  to
• 7:44
  her
• 7:44
  sixth
• 7:45
  grade
• 7:45
  textbook,
• 7:46
  Home
• 7:46
  Economics.
• 7:48
  I
• 7:48
  flip
• 7:48
  open.
• 7:48
  It's
• 7:49
  like
• 7:49
  dust,
• 7:49
  you
• 7:50
  know,
• 7:50
  I
• 7:50
  flip
• 7:50
  the.
• 7:51
  To
• 7:51
  a
• 7:52
  chapter
• 7:52
  that
• 7:52
  says
• 7:52
  evenings
• 7:53
  at
• 7:53
  home.
• 7:55
  And
• 7:55
  it
• 7:55
  was
• 7:55
  instructions
• 7:57
  that
• 7:57
  says,
• 7:57
  hey,
• 7:58
  you
• 7:58
  know,
• 7:58
  when
• 7:58
  your
• 7:58
  husband
• 7:59
  arrives
• 7:59
  home
• 7:59
  from
• 7:59
  work,
• 8:00
  ensure
• 8:00
  he
• 8:01
  has
• 8:01
  a
• 8:01
  cocktail,
• 8:02
  most
• 8:03
  likely
• 8:03
  a
• 8:03
  martini,
• 8:04
  in
• 8:04
  his
• 8:04
  hand
• 8:04
  within
• 8:04
  30
• 8:05
  minutes
• 8:06
  at
• 8:06
  dinner,
• 8:07
  make
• 8:07
  sure
• 8:07
  you
• 8:07
  don't
• 8:08
  talk
• 8:08
  about
• 8:08
  your
• 8:08
  problems.
• 8:08
  And
• 8:09
  the
• 8:09
  children
• 8:09
  remain
• 8:09
  quiet
• 8:10
  because
• 8:10
  he's
• 8:10
  had
• 8:10
  enough
• 8:10
  problems
• 8:11
  at
• 8:11
  work.
• 8:11
  And
• 8:11
  I'm
• 8:11
  sitting
• 8:12
  here,
• 8:12
  you
• 8:12
  know,
• 8:13
  with
• 8:13
  my
• 8:13
  mom's
• 8:13
  Jane
• 8:14
  Mason,
• 8:14
  you
• 8:14
  know,
• 8:14
  kind
• 8:15
  of,
• 8:15
  you
• 8:15
  know,
• 8:15
  there
• 8:15
  and
• 8:16
  her
• 8:17
  pencil
• 8:17
  script
• 8:18
  thinking,
• 8:19
  what
• 8:21
  like
• 8:21
  this
• 8:21
  is.
• 8:22
  My
• 8:22
  mother
• 8:22
  was
• 8:22
  taught
• 8:23
  one
• 8:23
  generation,
• 8:24
  and
• 8:24
  so
• 8:25
  she
• 8:25
  was
• 8:25
  raised
• 8:25
  to
• 8:25
  be
• 8:26
  a
• 8:26
  wife,
• 8:26
  you
• 8:27
  know,
• 8:27
  that
• 8:27
  was
• 8:27
  what
• 8:27
  she
• 8:27
  was
• 8:27
  raised
• 8:28
  to
• 8:28
  do,
• 8:29
  you
• 8:29
  know.
• 8:30
  And
• 8:30
  so,
• 8:30
  you
• 8:31
  know,
• 8:31
  for
• 8:31
  me,
• 8:31
  it's
• 8:32
  like
• 8:32
  from
• 8:32
  a
• 8:33
  very
• 8:33
  early
• 8:33
  age
• 8:33
  I
• 8:34
  was
• 8:34
  determined
• 8:34
  to
• 8:34
  be
• 8:34
  independent,
• 8:35
  like
• 8:35
  financially
• 8:36
  independent,
• 8:36
  empower
• 8:36
  women,
• 8:37
  empower
• 8:37
  myself,
• 8:37
  empower,
• 8:38
  you
• 8:38
  know,
• 8:39
  and
• 8:41
  here
• 8:41
  I
• 8:41
  am.
• 8:43
  You
• 8:43
  definitely
• 8:44
  took
• 8:44
  that
• 8:44
  experience
• 8:44
  and
• 8:45
  you
• 8:45
  know,
• 8:45
  made
• 8:46
  it
• 8:46
  into
• 8:47
  some.
• 8:47
  Something
• 8:47
  that
• 8:48
  really
• 8:48
  propelled
• 8:48
  you,
• 8:49
  which
• 8:49
  is
• 8:49
  so
• 8:49
  cool,
• 8:50
  you
• 8:50
  know,
• 8:50
  And
• 8:50
  I
• 8:50
  think
• 8:50
  so
• 8:51
  many
• 8:51
  of
• 8:51
  us,
• 8:51
  you
• 8:51
  know,
• 8:52
  want
• 8:52
  to
• 8:52
  do
• 8:53
  that
• 8:53
  and
• 8:53
  look
• 8:53
  to
• 8:53
  do
• 8:54
  that.
• 8:54
  And
• 8:55
  you
• 8:55
  know,
• 8:55
  I
• 8:55
  think
• 8:56
  we
• 8:56
  kind
• 8:56
  of
• 8:57
  hit
• 8:57
  a
• 8:57
  point
• 8:57
  in
• 8:58
  midlife,
• 8:58
  especially
• 8:59
  like
• 8:59
  post
• 9:00
  40
• 9:01
  where
• 9:01
  we
• 9:02
  are
• 9:02
  looking
• 9:02
  around
• 9:03
  and
• 9:04
  you
• 9:04
  know,
• 9:05
  there's
• 9:05
  caregiving,
• 9:06
  there
• 9:06
  could
• 9:07
  be
• 9:07
  marriage
• 9:07
  and
• 9:07
  divorce,
• 9:08
  there's
• 9:09
  career
• 9:09
  pivots,
• 9:10
  you
• 9:10
  know,
• 9:10
  like
• 9:10
  you
• 9:11
  had,
• 9:11
  you
• 9:11
  know,
• 9:12
  different
• 9:13
  things
• 9:13
  that
• 9:13
  arise
• 9:14
  and
• 9:14
  come
• 9:14
  up.
• 9:15
  So
• 9:15
  for
• 9:16
  somebody
• 9:16
  like
• 9:16
  in
• 9:16
  their
• 9:17
  40s
• 9:17
  and
• 9:17
  50s,
• 9:18
  where
• 9:18
  all
• 9:18
  of
• 9:18
  these
• 9:18
  things
• 9:19
  are
• 9:19
  kind
• 9:19
  of
• 9:19
  playing
• 9:19
  into
• 9:20
  one
• 9:20
  another,
• 9:21
  what
• 9:21
  should
• 9:21
  this
• 9:22
  woman
• 9:22
  be
• 9:22
  paying
• 9:22
  attention
• 9:23
  to
• 9:23
  in
• 9:23
  order
• 9:24
  to
• 9:24
  have
• 9:24
  the
• 9:25
  best
• 9:25
  financial
• 9:26
  life
• 9:26
  for
• 9:26
  herself
• 9:27
  with
• 9:27
  all
• 9:28
  of
• 9:28
  these
• 9:28
  different
• 9:28
  factors
• 9:29
  going
• 9:29
  on?
• 9:30
  I
• 9:30
  mean,
• 9:30
  like
• 9:30
  you
• 9:30
  said,
• 9:30
  there's
• 9:31
  so
• 9:31
  much
• 9:31
  change,
• 9:32
  you
• 9:32
  know,
• 9:32
  in
• 9:32
  any
• 9:32
  person's
• 9:33
  life
• 9:33
  at
• 9:33
  any
• 9:33
  time.
• 9:33
  But
• 9:34
  you
• 9:34
  know,
• 9:34
  with
• 9:34
  taking
• 9:34
  care
• 9:34
  of
• 9:34
  aging
• 9:35
  parents
• 9:35
  and
• 9:35
  the
• 9:36
  kids
• 9:36
  and
• 9:36
  working
• 9:37
  and
• 9:37
  being,
• 9:37
  you
• 9:38
  know,
• 9:39
  But
• 9:39
  I
• 9:39
  think
• 9:39
  if
• 9:39
  I
• 9:40
  could
• 9:40
  take
• 9:40
  a
• 9:40
  step
• 9:40
  back
• 9:40
  and
• 9:40
  just
• 9:41
  say,
• 9:41
  even
• 9:42
  just
• 9:42
  reserving
• 9:43
  time
• 9:43
  to
• 9:43
  think
• 9:44
  and
• 9:44
  talk
• 9:45
  about
• 9:45
  money
• 9:46
  is
• 9:46
  the
• 9:47
  first
• 9:47
  step.
• 9:48
  Because
• 9:48
  I
• 9:48
  find
• 9:49
  it
• 9:49
  so
• 9:50
  fascinating,
• 9:51
  you
• 9:52
  know,
• 9:52
  that
• 9:52
  especially
• 9:53
  with
• 9:53
  my
• 9:53
  really
• 9:54
  sophisticated
• 9:55
  career
• 9:56
  based
• 9:56
  women
• 9:57
  that
• 9:57
  are
• 9:57
  really
• 9:58
  confident
• 9:58
  and
• 9:58
  masters
• 9:59
  at
• 9:59
  their
• 9:59
  craft,
• 9:59
  by
• 10:00
  the
• 10:00
  time
• 10:00
  they're
• 10:00
  45
• 10:01
  to
• 10:01
  55,
• 10:02
  right.
• 10:03
  And
• 10:04
  they
• 10:04
  have
• 10:04
  it
• 10:04
  all
• 10:04
  together
• 10:05
  except
• 10:06
  for
• 10:07
  money
• 10:07
  side
• 10:08
  and
• 10:10
  kind
• 10:10
  of
• 10:10
  COVID
• 10:12
  secret
• 10:14
  epidemic
• 10:15
  going
• 10:15
  on
• 10:15
  where
• 10:15
  everybody
• 10:16
  else
• 10:16
  thinks,
• 10:17
  everybody
• 10:17
  else
• 10:17
  has
• 10:17
  it
• 10:17
  figured
• 10:17
  out,
• 10:17
  but
• 10:18
  nobody
• 10:18
  has
• 10:18
  it
• 10:18
  figured
• 10:18
  out,
• 10:18
  nobody's
• 10:19
  talking
• 10:19
  about
• 10:19
  it
• 10:19
  because
• 10:20
  they've
• 10:21
  gotten
• 10:21
  to
• 10:21
  be
• 10:21
  such
• 10:23
  experts
• 10:24
  in
• 10:24
  their
• 10:24
  craft
• 10:25
  that
• 10:25
  it
• 10:25
  feels
• 10:25
  too
• 10:26
  vulnerable
• 10:26
  or
• 10:26
  there's
• 10:27
  a
• 10:27
  ton
• 10:27
  of
• 10:27
  shame
• 10:27
  there,
• 10:28
  like
• 10:28
  woulda,
• 10:28
  coulda,
• 10:28
  shoulda,
• 10:29
  or
• 10:30
  I
• 10:30
  know
• 10:30
  my
• 10:31
  own
• 10:31
  P
• 10:31
  and
• 10:31
  L
• 10:32
  back
• 10:32
  and
• 10:32
  forth.
• 10:32
  But
• 10:32
  they
• 10:33
  have
• 10:33
  no
• 10:33
  idea
• 10:33
  what
• 10:33
  their
• 10:33
  own
• 10:33
  balance
• 10:34
  sheet
• 10:34
  looks
• 10:34
  like.
• 10:34
  Like,
• 10:34
  and
• 10:35
  so
• 10:35
  I
• 10:35
  would
• 10:35
  say
• 10:36
  the
• 10:36
  first
• 10:36
  step
• 10:36
  is
• 10:37
  just
• 10:37
  dropping
• 10:37
  a
• 10:37
  pin
• 10:38
  and
• 10:38
  taking
• 10:38
  a
• 10:38
  moment
• 10:40
  to
• 10:40
  understand
• 10:42
  what
• 10:42
  do
• 10:42
  you
• 10:42
  have
• 10:43
  and
• 10:43
  you
• 10:44
  know,
• 10:44
  and
• 10:44
  where's
• 10:44
  that
• 10:44
  going
• 10:45
  to
• 10:45
  take
• 10:45
  you?
• 10:46
  Just
• 10:46
  as
• 10:46
  a
• 10:46
  basic
• 10:47
  step?
• 10:48
  Yeah.
• 10:48
  I
• 10:49
  mean,
• 10:49
  is
• 10:49
  that
• 10:49
  like,
• 10:49
  okay,
• 10:50
  so
• 10:50
  like
• 10:50
  when
• 10:50
  you
• 10:51
  want
• 10:51
  to
• 10:51
  kind
• 10:51
  of
• 10:51
  go
• 10:51
  through
• 10:52
  and
• 10:52
  just
• 10:52
  see,
• 10:52
  is
• 10:53
  that
• 10:53
  like
• 10:53
  a
• 10:53
  review
• 10:54
  that
• 10:54
  you're
• 10:54
  doing
• 10:54
  with
• 10:55
  a
• 10:55
  financial
• 10:56
  planner,
• 10:57
  is
• 10:57
  that
• 10:57
  something
• 10:57
  you
• 10:57
  should
• 10:58
  do?
• 10:58
  Like
• 10:58
  just
• 10:58
  with
• 10:59
  your
• 10:59
  partner
• 10:59
  or
• 11:00
  like
• 11:00
  just
• 11:01
  going
• 11:01
  through,
• 11:01
  like,
• 11:02
  how
• 11:02
  do
• 11:02
  we
• 11:02
  get
• 11:02
  like
• 11:02
  an
• 11:02
  accurate
• 11:03
  read
• 11:03
  on
• 11:03
  everything?
• 11:04
  I
• 11:05
  mean,
• 11:05
  I
• 11:05
  guess
• 11:05
  it
• 11:05
  depends
• 11:05
  on
• 11:06
  if
• 11:06
  you're
• 11:06
  a,
• 11:06
  you
• 11:06
  know,
• 11:06
  go
• 11:07
  to
• 11:07
  the
• 11:07
  gym,
• 11:07
  you
• 11:07
  know,
• 11:07
  on
• 11:08
  your
• 11:08
  own
• 11:08
  person
• 11:09
  and
• 11:09
  can
• 11:09
  be
• 11:09
  disciplined,
• 11:10
  or
• 11:10
  if
• 11:10
  you
• 11:10
  want
• 11:10
  a
• 11:10
  trainer
• 11:11
  and
• 11:11
  you
• 11:11
  go
• 11:11
  to
• 11:11
  the
• 11:11
  gym,
• 11:11
  or
• 11:12
  you
• 11:12
  have
• 11:12
  to
• 11:12
  be
• 11:12
  sent
• 11:12
  for
• 11:12
  a
• 11:12
  class,
• 11:13
  I
• 11:13
  need
• 11:13
  to
• 11:13
  be
• 11:13
  sent
• 11:13
  for
• 11:14
  a
• 11:14
  class,
• 11:14
  or
• 11:14
  have
• 11:14
  a
• 11:14
  trainer
• 11:15
  of
• 11:15
  that
• 11:15
  feature.
• 11:16
  And
• 11:16
  so,
• 11:17
  you
• 11:17
  know,
• 11:17
  I
• 11:17
  think
• 11:17
  finding
• 11:18
  the
• 11:18
  right
• 11:18
  financial
• 11:18
  partner,
• 11:19
  and
• 11:20
  that's
• 11:20
  even
• 11:20
  challenging
• 11:21
  in
• 11:21
  and
• 11:21
  of
• 11:21
  itself
• 11:22
  because
• 11:22
  the
• 11:22
  landscape
• 11:23
  is
• 11:23
  so
• 11:23
  confusing.
• 11:24
  But,
• 11:25
  you
• 11:25
  know,
• 11:26
  the
• 11:26
  world
• 11:26
  is
• 11:27
  evolving
• 11:27
  when
• 11:27
  it
• 11:27
  comes
• 11:27
  to
• 11:27
  financial
• 11:28
  partnerships.
• 11:29
  So
• 11:29
  it's,
• 11:29
  it's
• 11:30
  very
• 11:30
  much
• 11:30
  like,
• 11:31
  like
• 11:31
  what
• 11:31
  I
• 11:31
  call
• 11:31
  myself,
• 11:32
  like
• 11:32
  a
• 11:32
  holistic
• 11:33
  life
• 11:33
  designer.
• 11:33
  I'm
• 11:33
  a
• 11:34
  cfp,
• 11:34
  which
• 11:34
  is
• 11:35
  the
• 11:35
  highest
• 11:35
  credential,
• 11:36
  and
• 11:36
  I've
• 11:36
  got
• 11:37
  my
• 11:37
  series
• 11:37
  seven,
• 11:38
  all
• 11:38
  that
• 11:38
  kind
• 11:38
  of
• 11:38
  stuff.
• 11:38
  But,
• 11:39
  you
• 11:39
  know,
• 11:39
  I
• 11:39
  do
• 11:40
  complete
• 11:40
  holistic
• 11:41
  life
• 11:41
  design.
• 11:41
  So
• 11:42
  everything
• 11:42
  from
• 11:43
  wealth
• 11:43
  management
• 11:43
  to
• 11:44
  cash
• 11:44
  flow
• 11:44
  to
• 11:45
  the
• 11:45
  behavioral
• 11:45
  psychology
• 11:46
  of
• 11:46
  all
• 11:46
  of
• 11:46
  this,
• 11:47
  versus
• 11:47
  a
• 11:48
  lot
• 11:48
  of
• 11:48
  people
• 11:48
  out
• 11:48
  there
• 11:48
  are
• 11:48
  just
• 11:49
  either
• 11:49
  selling
• 11:49
  insurance
• 11:50
  or
• 11:50
  they're
• 11:50
  just
• 11:50
  trying
• 11:51
  to
• 11:51
  manage
• 11:51
  their
• 11:51
  money,
• 11:52
  right?
• 11:52
  So
• 11:53
  it's
• 11:53
  like,
• 11:53
  how
• 11:53
  do
• 11:53
  you
• 11:53
  find
• 11:53
  that
• 11:54
  partner
• 11:54
  that
• 11:54
  you
• 11:54
  can
• 11:54
  have
• 11:55
  that,
• 11:55
  that
• 11:55
  big
• 11:55
  conversation
• 11:56
  with,
• 11:57
  you
• 11:58
  know,
• 11:58
  so,
• 11:58
  so
• 11:58
  that
• 11:59
  would
• 11:59
  be,
• 11:59
  you
• 11:59
  know,
• 11:59
  I
• 11:59
  think
• 12:00
  if
• 12:02
  you
• 12:02
  have
• 12:03
  a
• 12:03
  financial
• 12:03
  advisor
• 12:03
  right
• 12:04
  now
• 12:05
  and
• 12:05
  you
• 12:05
  think
• 12:05
  about
• 12:05
  what
• 12:06
  do
• 12:06
  they
• 12:06
  do
• 12:06
  for
• 12:06
  me
• 12:07
  other
• 12:07
  than
• 12:07
  managing
• 12:08
  my
• 12:08
  money,
• 12:09
  you
• 12:09
  might
• 12:09
  want
• 12:10
  to
• 12:10
  think
• 12:10
  about
• 12:11
  what
• 12:11
  else
• 12:11
  is
• 12:11
  out
• 12:11
  there
• 12:12
  because
• 12:12
  you're
• 12:13
  not
• 12:13
  getting
• 12:13
  your
• 12:13
  money's
• 12:13
  worth
• 12:14
  if
• 12:14
  you're
• 12:14
  paying
• 12:14
  them
• 12:14
  a
• 12:15
  fee
• 12:15
  on
• 12:16
  what
• 12:16
  they
• 12:16
  manage.
• 12:17
  And
• 12:17
  they're
• 12:17
  only
• 12:17
  managing
• 12:18
  money
• 12:18
  and
• 12:18
  not
• 12:18
  telling
• 12:19
  you,
• 12:19
  hey,
• 12:19
  do
• 12:20
  you
• 12:20
  have
• 12:20
  a
• 12:20
  trust?
• 12:20
  Hey,
• 12:21
  have
• 12:21
  you
• 12:21
  thought
• 12:21
  about
• 12:21
  long
• 12:21
  term
• 12:22
  care?
• 12:22
  Hey,
• 12:23
  you
• 12:23
  know,
• 12:23
  you
• 12:23
  know,
• 12:24
  do
• 12:24
  you
• 12:24
  have
• 12:24
  a
• 12:24
  529
• 12:25
  set
• 12:25
  up
• 12:25
  for
• 12:25
  your
• 12:26
  kids?
• 12:27
  What
• 12:27
  are
• 12:27
  you
• 12:27
  doing
• 12:27
  in
• 12:27
  terms
• 12:28
  of
• 12:28
  tax
• 12:28
  strategy?
• 12:29
  It's
• 12:29
  a
• 12:29
  huge
• 12:29
  thing
• 12:30
  that
• 12:30
  I
• 12:30
  do.
• 12:30
  How,
• 12:30
  how
• 12:31
  can
• 12:31
  we,
• 12:31
  you
• 12:32
  know,
• 12:32
  instead
• 12:33
  of,
• 12:33
  can
• 12:33
  I
• 12:33
  write
• 12:33
  off
• 12:34
  Netflix,
• 12:34
  like,
• 12:34
  how
• 12:34
  can
• 12:35
  we
• 12:35
  save
• 12:36
  10
• 12:36
  or
• 12:36
  20
• 12:36
  or
• 12:36
  15%
• 12:37
  off
• 12:37
  in
• 12:37
  taxes
• 12:38
  over
• 12:38
  the
• 12:38
  next
• 12:38
  decade?
• 12:39
  So
• 12:39
  back
• 12:39
  to
• 12:40
  our
• 12:40
  question.
• 12:40
  You
• 12:41
  know,
• 12:41
  I
• 12:41
  mean,
• 12:41
  I
• 12:41
  think
• 12:41
  finding
• 12:42
  the
• 12:42
  right
• 12:42
  partner
• 12:43
  is
• 12:43
  critical.
• 12:44
  And
• 12:44
  I
• 12:44
  think
• 12:44
  some,
• 12:45
  sometimes
• 12:45
  people
• 12:45
  think,
• 12:45
  oh,
• 12:46
  I'm
• 12:46
  not
• 12:46
  there
• 12:46
  yet,
• 12:47
  I
• 12:47
  don't
• 12:47
  have
• 12:47
  enough
• 12:47
  yet
• 12:48
  to
• 12:48
  be
• 12:48
  worthy,
• 12:48
  or
• 12:49
  I'm
• 12:49
  not,
• 12:49
  you
• 12:50
  know,
• 12:50
  and
• 12:50
  there's
• 12:50
  all
• 12:50
  different
• 12:50
  kinds
• 12:51
  of
• 12:51
  models
• 12:51
  out
• 12:51
  there
• 12:52
  to
• 12:52
  find
• 12:52
  a
• 12:52
  partner.
• 12:53
  But
• 12:53
  if
• 12:53
  you're
• 12:54
  on,
• 12:54
  if
• 12:54
  you're
• 12:54
  on
• 12:55
  your
• 12:55
  own
• 12:55
  and
• 12:55
  you
• 12:56
  just
• 12:56
  want
• 12:56
  to
• 12:56
  DIY
• 12:56
  it,
• 12:57
  I
• 12:57
  think
• 12:57
  making
• 12:57
  a
• 12:57
  simple
• 12:58
  balance
• 12:58
  sheet,
• 12:58
  like
• 12:58
  understanding,
• 12:59
  you
• 13:00
  know,
• 13:00
  I
• 13:00
  have
• 13:00
  what's
• 13:00
  called
• 13:00
  a
• 13:01
  financial
• 13:01
  ecosystem
• 13:02
  that
• 13:02
  I
• 13:02
  can
• 13:02
  talk
• 13:02
  about,
• 13:03
  you
• 13:03
  know,
• 13:03
  as
• 13:03
  well
• 13:03
  as
• 13:04
  to
• 13:04
  how
• 13:04
  to
• 13:04
  create
• 13:05
  your
• 13:05
  own
• 13:05
  financial
• 13:05
  ecosystem
• 13:06
  so
• 13:06
  that
• 13:06
  you
• 13:06
  have
• 13:08
  peace
• 13:08
  and
• 13:08
  clarity
• 13:08
  in
• 13:09
  your,
• 13:09
  in
• 13:09
  your
• 13:09
  financial
• 13:09
  life
• 13:10
  and
• 13:10
  all
• 13:10
  the
• 13:10
  headlines
• 13:11
  and
• 13:11
  all
• 13:11
  of
• 13:12
  the
• 13:12
  president
• 13:13
  and
• 13:14
  all
• 13:14
  the
• 13:14
  shit
• 13:14
  that,
• 13:15
  excuse
• 13:15
  me,
• 13:15
  you
• 13:15
  know,
• 13:15
  creates,
• 13:16
  yes,
• 13:16
  this
• 13:17
  toxic
• 13:17
  energy
• 13:18
  which
• 13:19
  creates
• 13:19
  these
• 13:19
  limiting
• 13:19
  beliefs
• 13:20
  around
• 13:20
  what's
• 13:20
  possible
• 13:21
  for
• 13:21
  yourself.
• 13:21
  We
• 13:22
  got
• 13:22
  to
• 13:22
  create
• 13:22
  your
• 13:22
  own
• 13:22
  economy
• 13:24
  and
• 13:24
  in
• 13:24
  economy
• 13:25
  you
• 13:25
  flourish.
• 13:26
  So
• 13:26
  that's,
• 13:26
  that's
• 13:27
  the
• 13:27
  coaching
• 13:27
  I
• 13:27
  do
• 13:28
  see.
• 13:29
  That's
• 13:29
  really
• 13:29
  good
• 13:29
  because
• 13:30
  you
• 13:30
  have
• 13:30
  to
• 13:31
  take,
• 13:31
  you
• 13:31
  know,
• 13:31
  take
• 13:31
  it
• 13:32
  from
• 13:32
  within
• 13:32
  and
• 13:32
  just
• 13:32
  like,
• 13:33
  you
• 13:33
  know,
• 13:33
  make
• 13:33
  the
• 13:34
  first
• 13:34
  move
• 13:34
  really
• 13:35
  yourself.
• 13:35
  You
• 13:35
  have
• 13:35
  to
• 13:35
  like,
• 13:36
  put
• 13:36
  yourself
• 13:37
  in
• 13:37
  a
• 13:37
  good
• 13:37
  place
• 13:38
  where
• 13:38
  you're
• 13:38
  getting
• 13:38
  the
• 13:39
  right
• 13:39
  information.
• 13:40
  And
• 13:40
  I
• 13:40
  think,
• 13:40
  like,
• 13:41
  to
• 13:41
  your
• 13:41
  point,
• 13:42
  I
• 13:42
  think
• 13:42
  there's
• 13:42
  so
• 13:43
  much
• 13:43
  going
• 13:43
  on
• 13:43
  in
• 13:43
  the
• 13:44
  world
• 13:44
  today
• 13:44
  that
• 13:44
  we
• 13:44
  don't
• 13:45
  know
• 13:45
  half
• 13:45
  the
• 13:45
  time,
• 13:45
  like,
• 13:46
  oh
• 13:46
  my
• 13:46
  God,
• 13:47
  you
• 13:47
  know,
• 13:47
  is
• 13:48
  this
• 13:48
  going
• 13:48
  to
• 13:48
  affect
• 13:48
  like
• 13:49
  financial,
• 13:50
  you
• 13:50
  know,
• 13:51
  stress
• 13:51
  and
• 13:51
  burden
• 13:52
  and
• 13:52
  like
• 13:53
  all
• 13:53
  these
• 13:53
  things.
• 13:54
  So
• 13:54
  like,
• 13:54
  how
• 13:54
  do
• 13:55
  we
• 13:55
  keep
• 13:55
  all
• 13:55
  this
• 13:56
  straight?
• 13:56
  Like,
• 13:57
  should
• 13:57
  we
• 13:57
  be
• 13:57
  freaked
• 13:58
  out
• 13:58
  anytime
• 13:58
  we
• 13:58
  hear,
• 13:59
  you
• 13:59
  know,
• 14:00
  something
• 14:00
  is
• 14:00
  going
• 14:01
  on
• 14:01
  in
• 14:01
  the
• 14:01
  world
• 14:01
  that
• 14:02
  could,
• 14:02
  you
• 14:02
  know,
• 14:03
  possibly
• 14:03
  affect
• 14:04
  our
• 14:04
  retirement
• 14:05
  or
• 14:05
  like
• 14:05
  our
• 14:06
  finances
• 14:06
  in
• 14:06
  some
• 14:07
  way?
• 14:07
  How
• 14:07
  do
• 14:07
  we
• 14:07
  deal
• 14:08
  with
• 14:08
  that?
• 14:08
  I
• 14:09
  mean,
• 14:09
  first
• 14:09
  of
• 14:09
  all,
• 14:09
  you're
• 14:09
  watching
• 14:10
  TikTok
• 14:10
  and
• 14:10
  there's
• 14:10
  some
• 14:10
  guy
• 14:11
  from
• 14:11
  Kansas,
• 14:11
  I
• 14:11
  love
• 14:12
  Kansas,
• 14:12
  whatever.
• 14:12
  But
• 14:12
  it
• 14:13
  was
• 14:13
  like,
• 14:13
  who's
• 14:13
  62,
• 14:14
  saying
• 14:14
  this
• 14:14
  is
• 14:14
  what
• 14:14
  you
• 14:14
  should
• 14:15
  do.
• 14:15
  And
• 14:15
  you're
• 14:15
  34
• 14:16
  and
• 14:16
  you're
• 14:16
  working
• 14:16
  in
• 14:16
  tech
• 14:17
  in
• 14:17
  San
• 14:17
  Francisco,
• 14:17
  like,
• 14:18
  or
• 14:18
  you're
• 14:18
  55
• 14:19
  and
• 14:19
  you're,
• 14:20
  it
• 14:20
  doesn't,
• 14:20
  you
• 14:20
  know,
• 14:21
  that's
• 14:21
  not
• 14:21
  relevant.
• 14:21
  And
• 14:22
  so
• 14:22
  I
• 14:22
  think
• 14:23
  what
• 14:23
  we
• 14:23
  can
• 14:23
  control,
• 14:24
  we
• 14:24
  can
• 14:24
  control.
• 14:24
  And
• 14:24
  when
• 14:25
  I
• 14:25
  talk,
• 14:25
  let
• 14:25
  me
• 14:25
  talk
• 14:25
  about
• 14:25
  the
• 14:26
  ecosystem
• 14:26
  because
• 14:26
  you
• 14:26
  can
• 14:27
  do
• 14:27
  this
• 14:27
  with
• 14:27
  or
• 14:27
  without,
• 14:28
  you
• 14:28
  know,
• 14:28
  a
• 14:29
  financial,
• 14:29
  you
• 14:29
  know,
• 14:29
  planning
• 14:30
  partner.
• 14:30
  So
• 14:31
  the
• 14:31
  goal
• 14:31
  of
• 14:32
  the
• 14:32
  ecosystem
• 14:33
  is
• 14:33
  to
• 14:33
  be
• 14:33
  able
• 14:34
  to
• 14:34
  make
• 14:34
  decisions
• 14:36
  based
• 14:36
  off
• 14:36
  of
• 14:36
  what
• 14:36
  you
• 14:37
  want
• 14:37
  in
• 14:37
  your
• 14:37
  life
• 14:38
  outside
• 14:39
  of
• 14:39
  external
• 14:40
  influence.
• 14:41
  And
• 14:41
  so,
• 14:42
  meaning
• 14:43
  if
• 14:43
  inside
• 14:43
  your
• 14:43
  ecosystem
• 14:44
  we
• 14:44
  have
• 14:44
  different
• 14:45
  buckets
• 14:45
  of
• 14:46
  capital,
• 14:47
  right,
• 14:47
  that
• 14:48
  are
• 14:48
  defined
• 14:48
  differently
• 14:49
  and
• 14:49
  each
• 14:50
  bucket
• 14:50
  has
• 14:51
  a
• 14:51
  job
• 14:51
  description.
• 14:53
  So
• 14:53
  one
• 14:54
  of
• 14:54
  the
• 14:54
  buckets
• 14:54
  is
• 14:54
  cash
• 14:55
  or
• 14:55
  money
• 14:55
  market,
• 14:55
  you
• 14:56
  know,
• 14:56
  just
• 14:56
  cash
• 14:56
  reserves.
• 14:57
  And
• 14:58
  the
• 14:58
  other
• 14:58
  bucket
• 14:58
  is
• 14:59
  retirement,
• 14:59
  right?
• 15:00
  So
• 15:00
  whether
• 15:00
  it's
• 15:00
  Roth
• 15:01
  or
• 15:01
  pre
• 15:01
  tax
• 15:02
  tax
• 15:02
  deferred,
• 15:03
  another
• 15:03
  bucket
• 15:04
  is
• 15:04
  property.
• 15:05
  Another
• 15:05
  bucket
• 15:06
  is
• 15:06
  a
• 15:06
  non
• 15:07
  retirement
• 15:07
  account,
• 15:08
  just
• 15:08
  a
• 15:08
  regular
• 15:09
  investment
• 15:09
  account
• 15:10
  that's
• 15:10
  accessible
• 15:11
  and
• 15:11
  liquid.
• 15:12
  Another
• 15:13
  bucket
• 15:13
  might
• 15:13
  be
• 15:14
  your
• 15:14
  business
• 15:15
  or
• 15:15
  investing
• 15:15
  in
• 15:15
  a
• 15:15
  friend's
• 15:16
  business,
• 15:16
  maybe
• 15:17
  some
• 15:17
  crypto,
• 15:17
  maybe
• 15:18
  some
• 15:18
  art
• 15:18
  or
• 15:19
  whatever
• 15:19
  it
• 15:19
  is.
• 15:20
  But
• 15:20
  when
• 15:20
  you
• 15:20
  think
• 15:20
  about
• 15:21
  all
• 15:21
  these
• 15:21
  buckets,
• 15:23
  what's
• 15:23
  cool
• 15:24
  is
• 15:24
  together
• 15:25
  they
• 15:25
  create
• 15:25
  what
• 15:25
  we
• 15:26
  call
• 15:26
  the
• 15:26
  perfect
• 15:26
  investment
• 15:27
  because
• 15:27
  they
• 15:27
  all
• 15:28
  have
• 15:28
  different
• 15:30
  pros
• 15:30
  and
• 15:30
  cons.
• 15:31
  And
• 15:32
  this
• 15:32
  is
• 15:32
  really
• 15:32
  big
• 15:32
  deal
• 15:33
  because
• 15:34
  if
• 15:34
  someone
• 15:34
  comes
• 15:35
  to
• 15:35
  me
• 15:35
  and
• 15:35
  says,
• 15:35
  hey,
• 15:37
  what
• 15:37
  would
• 15:37
  the
• 15:37
  perfect
• 15:37
  investment
• 15:38
  be?
• 15:38
  Well,
• 15:38
  here's
• 15:38
  the
• 15:38
  punchline.
• 15:39
  It
• 15:40
  doesn't
• 15:40
  exist,
• 15:41
  but
• 15:41
  if
• 15:41
  it
• 15:41
  did,
• 15:41
  it
• 15:41
  would
• 15:41
  have
• 15:42
  these
• 15:42
  six
• 15:42
  qualities.
• 15:43
  So
• 15:43
  one,
• 15:44
  totally
• 15:44
  liquid,
• 15:45
  no
• 15:45
  restrictions,
• 15:46
  always
• 15:46
  access
• 15:47
  it.
• 15:47
  Number
• 15:48
  two,
• 15:48
  tax
• 15:48
  free,
• 15:49
  of
• 15:49
  course.
• 15:50
  Right.
• 15:51
  Number
• 15:51
  three
• 15:51
  would
• 15:52
  be
• 15:52
  no
• 15:52
  risk
• 15:53
  associated.
• 15:54
  Right.
• 15:55
  Number
• 15:55
  four
• 15:56
  would
• 15:56
  be
• 15:56
  little
• 15:56
  to
• 15:57
  no
• 15:57
  skill
• 15:57
  needed.
• 15:58
  Right.
• 15:59
  Number
• 15:59
  five
• 16:00
  would
• 16:00
  be
• 16:01
  little
• 16:01
  to
• 16:02
  no
• 16:02
  fees.
• 16:03
  Right.
• 16:03
  And
• 16:04
  so
• 16:04
  when
• 16:04
  we
• 16:04
  think
• 16:04
  about
• 16:05
  these
• 16:05
  characteristics,
• 16:07
  let
• 16:07
  me
• 16:07
  give
• 16:07
  you
• 16:07
  cash.
• 16:08
  Cash
• 16:08
  is
• 16:09
  super
• 16:10
  effective.
• 16:10
  It's
• 16:10
  there,
• 16:11
  it's
• 16:11
  really
• 16:12
  great.
• 16:12
  It's
• 16:12
  liquid,
• 16:13
  it's
• 16:13
  no
• 16:13
  risk.
• 16:14
  But
• 16:15
  it's
• 16:15
  highly
• 16:15
  inefficient
• 16:16
  because
• 16:16
  you're
• 16:16
  losing
• 16:17
  purchasing
• 16:17
  power.
• 16:18
  You
• 16:18
  know,
• 16:18
  Chipotle
• 16:19
  burrito
• 16:19
  is
• 16:19
  going
• 16:19
  to
• 16:19
  be
• 16:19
  25
• 16:20
  bucks
• 16:20
  in
• 16:20
  10
• 16:20
  years.
• 16:21
  And
• 16:21
  if
• 16:21
  you
• 16:21
  just
• 16:21
  keep
• 16:21
  14
• 16:22
  bucks
• 16:22
  in
• 16:22
  your
• 16:23
  account,
• 16:23
  you're
• 16:23
  going
• 16:23
  to
• 16:23
  be
• 16:23
  able
• 16:24
  to
• 16:24
  buy
• 16:24
  half
• 16:24
  a
• 16:24
  burrito.
• 16:25
  Right.
• 16:25
  So
• 16:26
  then
• 16:26
  you
• 16:26
  look
• 16:27
  at
• 16:27
  kind
• 16:27
  of
• 16:27
  retirement
• 16:28
  that's
• 16:28
  not
• 16:28
  liquid
• 16:28
  until
• 16:29
  you're
• 16:29
  60,
• 16:29
  59
• 16:30
  and
• 16:30
  a
• 16:30
  half.
• 16:31
  Some
• 16:31
  of
• 16:31
  it's
• 16:31
  tax
• 16:31
  free,
• 16:32
  some
• 16:32
  is
• 16:32
  tax
• 16:32
  deferred.
• 16:33
  But
• 16:33
  we
• 16:33
  need
• 16:34
  that
• 16:34
  because
• 16:34
  you
• 16:34
  get
• 16:34
  a
• 16:34
  great
• 16:35
  tax
• 16:35
  incentive.
• 16:36
  Right.
• 16:36
  Property's
• 16:37
  not
• 16:37
  liquid,
• 16:37
  but
• 16:38
  it's
• 16:38
  a
• 16:38
  great
• 16:38
  portfolio
• 16:38
  diversifier.
• 16:39
  Right.
• 16:40
  And
• 16:40
  you've
• 16:40
  got
• 16:40
  great
• 16:41
  overall
• 16:41
  yield.
• 16:42
  And
• 16:42
  then
• 16:42
  you've
• 16:42
  got
• 16:42
  kind
• 16:42
  of
• 16:43
  a
• 16:43
  midterm
• 16:43
  investment
• 16:43
  account
• 16:44
  that's
• 16:44
  totally
• 16:45
  liquid.
• 16:45
  You
• 16:45
  know,
• 16:46
  so.
• 16:46
  And
• 16:46
  why
• 16:47
  I'm
• 16:47
  saying
• 16:47
  this,
• 16:47
  you
• 16:48
  know,
• 16:48
  Roxy,
• 16:48
  it's
• 16:49
  so
• 16:49
  important
• 16:49
  is
• 16:49
  that
• 16:50
  let's
• 16:50
  say
• 16:50
  that
• 16:51
  taxes
• 16:51
  go
• 16:51
  up
• 16:52
  and
• 16:52
  you're
• 16:53
  in
• 16:53
  a
• 16:53
  place
• 16:53
  in
• 16:53
  your
• 16:53
  life
• 16:53
  where
• 16:54
  you
• 16:54
  need
• 16:54
  to
• 16:54
  take.
• 16:55
  You're
• 16:55
  in
• 16:55
  retirement
• 16:56
  or
• 16:56
  you're
• 16:56
  in
• 16:56
  a
• 16:56
  place
• 16:56
  where
• 16:56
  you
• 16:56
  want
• 16:56
  to
• 16:57
  take
• 16:57
  money
• 16:57
  out
• 16:57
  of
• 16:57
  your
• 16:57
  investment
• 16:57
  account.
• 16:58
  Well,
• 16:58
  maybe
• 16:58
  you
• 16:58
  decide
• 16:59
  to
• 16:59
  pull
• 16:59
  from
• 16:59
  a
• 17:00
  vehicle
• 17:00
  that
• 17:00
  is
• 17:01
  tax
• 17:01
  free
• 17:02
  or
• 17:02
  if
• 17:02
  markets
• 17:03
  are
• 17:03
  up
• 17:03
  or
• 17:04
  if
• 17:04
  markets
• 17:04
  are
• 17:04
  down,
• 17:05
  let's
• 17:05
  not
• 17:05
  pull
• 17:05
  from
• 17:05
  your
• 17:06
  market
• 17:06
  based
• 17:06
  vehicles,
• 17:07
  let's
• 17:07
  pull
• 17:07
  from
• 17:07
  cash.
• 17:08
  So
• 17:09
  all
• 17:09
  of
• 17:09
  these
• 17:09
  things,
• 17:09
  there's
• 17:10
  a
• 17:10
  president
• 17:10
  elected,
• 17:10
  there's
• 17:11
  this
• 17:11
  happening,
• 17:11
  right?
• 17:11
  The
• 17:12
  interest
• 17:12
  rates
• 17:12
  go
• 17:12
  up
• 17:13
  so
• 17:13
  that
• 17:13
  no
• 17:14
  matter
• 17:14
  what's
• 17:14
  going
• 17:14
  on
• 17:15
  outside,
• 17:15
  you
• 17:16
  have
• 17:16
  choices.
• 17:16
  For
• 17:17
  us,
• 17:18
  it's
• 17:18
  like
• 17:18
  financial
• 17:19
  freedom
• 17:20
  is
• 17:20
  choices.
• 17:21
  So
• 17:22
  if
• 17:22
  you
• 17:22
  can
• 17:22
  have
• 17:22
  these
• 17:23
  different
• 17:23
  buckets
• 17:23
  that
• 17:23
  have
• 17:24
  different
• 17:24
  purposes
• 17:24
  and
• 17:25
  job
• 17:25
  descriptions,
• 17:26
  then
• 17:26
  you
• 17:26
  can
• 17:27
  react
• 17:27
  in
• 17:28
  a
• 17:28
  proactive
• 17:28
  way
• 17:29
  to
• 17:30
  what
• 17:30
  you
• 17:30
  want
• 17:30
  and
• 17:30
  how
• 17:31
  you're
• 17:31
  going
• 17:31
  to
• 17:31
  live.
• 17:31
  That
• 17:32
  makes
• 17:32
  sense.
• 17:33
  Yeah,
• 17:33
  that
• 17:33
  totally
• 17:34
  makes
• 17:34
  sense.
• 17:34
  And
• 17:35
  from
• 17:35
  what
• 17:35
  you're
• 17:36
  saying
• 17:36
  too,
• 17:36
  it
• 17:36
  sounds
• 17:36
  like,
• 17:37
  you
• 17:37
  know,
• 17:37
  there's
• 17:37
  all
• 17:37
  these
• 17:37
  different
• 17:38
  buckets.
• 17:38
  So
• 17:38
  it
• 17:38
  sounds
• 17:39
  like
• 17:39
  diversification,
• 17:41
  which.
• 17:42
  Let's
• 17:43
  say
• 17:43
  there's
• 17:43
  a
• 17:43
  woman
• 17:44
  in
• 17:44
  midlife,
• 17:45
  let's
• 17:45
  say
• 17:46
  she's
• 17:46
  40,
• 17:46
  45,
• 17:47
  50,
• 17:47
  55
• 17:48
  or
• 17:48
  even
• 17:48
  older.
• 17:49
  And
• 17:49
  she's
• 17:50
  never
• 17:50
  invested,
• 17:51
  like,
• 17:51
  never
• 17:52
  once
• 17:52
  done
• 17:52
  anything,
• 17:53
  just
• 17:53
  is
• 17:53
  sitting
• 17:54
  on
• 17:54
  some,
• 17:55
  some
• 17:55
  cash,
• 17:56
  you
• 17:57
  know,
• 17:57
  maybe
• 17:57
  from,
• 17:58
  you
• 17:58
  know,
• 17:58
  she's
• 17:59
  been
• 17:59
  working
• 17:59
  for,
• 18:00
  you
• 18:00
  know,
• 18:00
  while.
• 18:01
  So
• 18:01
  she
• 18:02
  does
• 18:02
  have
• 18:02
  cash
• 18:03
  accumulated
• 18:03
  but
• 18:03
  has
• 18:04
  never
• 18:04
  invested.
• 18:04
  Where
• 18:05
  does
• 18:05
  she
• 18:05
  start,
• 18:06
  especially
• 18:06
  at
• 18:07
  that
• 18:07
  age?
• 18:07
  I've
• 18:08
  had
• 18:08
  so
• 18:08
  many
• 18:08
  clients
• 18:09
  like
• 18:09
  this,
• 18:09
  right.
• 18:10
  They've
• 18:10
  worked
• 18:11
  so
• 18:11
  hard
• 18:11
  and
• 18:11
  they're
• 18:12
  financially
• 18:12
  independent
• 18:12
  and
• 18:13
  they
• 18:13
  have
• 18:13
  a
• 18:14
  really
• 18:14
  healthy
• 18:15
  balance
• 18:15
  sheet,
• 18:16
  but
• 18:17
  they
• 18:17
  are
• 18:17
  playing
• 18:18
  into
• 18:19
  what
• 18:19
  feels
• 18:19
  safe
• 18:20
  when
• 18:20
  they're
• 18:20
  actually
• 18:20
  shooting
• 18:21
  themselves
• 18:21
  in
• 18:21
  the
• 18:21
  foot,
• 18:22
  like
• 18:22
  with
• 18:22
  a
• 18:22
  shotgun.
• 18:24
  And
• 18:24
  so
• 18:26
  there's
• 18:26
  three
• 18:27
  destructives
• 18:27
  of
• 18:27
  wealth.
• 18:28
  I'll
• 18:28
  mention
• 18:28
  them,
• 18:29
  but
• 18:29
  one
• 18:29
  of
• 18:29
  them
• 18:30
  is
• 18:30
  exactly
• 18:30
  what
• 18:30
  you
• 18:31
  said.
• 18:31
  Number
• 18:31
  one,
• 18:31
  taxes.
• 18:32
  Number
• 18:33
  two,
• 18:33
  inflation
• 18:34
  and
• 18:34
  purchasing
• 18:34
  power,
• 18:35
  and
• 18:35
  number
• 18:35
  three,
• 18:35
  emotions.
• 18:36
  So
• 18:36
  let's
• 18:37
  focus
• 18:37
  on
• 18:37
  the
• 18:37
  second,
• 18:38
  inflation
• 18:39
  and
• 18:39
  purchasing
• 18:39
  power.
• 18:40
  It
• 18:41
  is
• 18:41
  so
• 18:41
  strange,
• 18:42
  kind
• 18:42
  of
• 18:43
  the
• 18:43
  way
• 18:43
  that
• 18:44
  our
• 18:44
  emotions
• 18:45
  play
• 18:45
  out
• 18:46
  with
• 18:46
  money
• 18:47
  because
• 18:48
  we
• 18:48
  tend
• 18:49
  to
• 18:49
  do
• 18:49
  things
• 18:49
  that
• 18:50
  make
• 18:50
  us
• 18:50
  feel
• 18:50
  safe,
• 18:51
  right.
• 18:52
  But
• 18:52
  actually
• 18:52
  are
• 18:53
  really
• 18:53
  setting
• 18:54
  us
• 18:54
  up
• 18:54
  for
• 18:54
  failure.
• 18:55
  And
• 18:56
  so
• 18:56
  when
• 18:56
  someone
• 18:57
  has,
• 18:57
  you
• 18:58
  know,
• 18:58
  hoarding,
• 18:59
  I
• 18:59
  would
• 18:59
  say,
• 18:59
  a
• 18:59
  lot
• 19:00
  of
• 19:00
  cash,
• 19:00
  a
• 19:01
  lot
• 19:01
  of,
• 19:01
  you
• 19:01
  know,
• 19:01
  that
• 19:01
  isn't
• 19:02
  invested.
• 19:03
  Oh,
• 19:03
  they
• 19:03
  just
• 19:03
  do
• 19:03
  that
• 19:04
  because
• 19:04
  they're
• 19:04
  afraid
• 19:04
  that
• 19:05
  they
• 19:05
  lost
• 19:05
  all
• 19:05
  their
• 19:05
  money
• 19:05
  in
• 19:06
  2008
• 19:06
  or
• 19:06
  something
• 19:06
  happened
• 19:07
  to
• 19:07
  their
• 19:07
  parents
• 19:07
  or
• 19:07
  they've
• 19:08
  seen
• 19:08
  all
• 19:08
  these
• 19:09
  horror
• 19:09
  stories.
• 19:09
  They're
• 19:09
  just
• 19:09
  going
• 19:10
  to
• 19:10
  keep
• 19:10
  it
• 19:10
  close.
• 19:12
  They
• 19:12
  are
• 19:12
  going
• 19:12
  to
• 19:12
  run
• 19:12
  out
• 19:13
  of
• 19:13
  money,
• 19:14
  you
• 19:15
  know,
• 19:15
  because
• 19:15
  if
• 19:15
  inflation
• 19:16
  is
• 19:16
  3%
• 19:17
  per
• 19:17
  year
• 19:17
  and
• 19:18
  you're
• 19:18
  making
• 19:18
  zero,
• 19:19
  or
• 19:20
  even
• 19:20
  if
• 19:20
  you're
• 19:20
  making
• 19:21
  3%,
• 19:22
  that's
• 19:22
  going
• 19:22
  to
• 19:22
  be,
• 19:23
  you
• 19:23
  know,
• 19:23
  if,
• 19:23
  if
• 19:24
  you're
• 19:24
  making
• 19:24
  zero,
• 19:24
  you're
• 19:24
  going
• 19:25
  to
• 19:25
  be
• 19:25
  negative,
• 19:25
  you're
• 19:25
  making
• 19:25
  3%,
• 19:26
  you're
• 19:26
  going
• 19:26
  to
• 19:26
  be,
• 19:26
  you
• 19:27
  know,
• 19:27
  basically
• 19:27
  at.
• 19:28
  Even
• 19:28
  because
• 19:28
  of
• 19:28
  inflation,
• 19:30
  you'll
• 19:30
  never
• 19:31
  be.
• 19:31
  You're
• 19:31
  going
• 19:31
  to
• 19:31
  be
• 19:31
  treading
• 19:32
  water
• 19:33
  always.
• 19:34
  Right.
• 19:35
  And
• 19:36
  so
• 19:36
  I
• 19:36
  think
• 19:36
  it's
• 19:36
  important
• 19:36
  in
• 19:37
  the
• 19:37
  ecosystem,
• 19:38
  you
• 19:38
  know,
• 19:38
  to
• 19:39
  have
• 19:39
  three
• 19:39
  to
• 19:40
  six
• 19:40
  to
• 19:40
  12
• 19:40
  months
• 19:41
  of
• 19:41
  expenses,
• 19:42
  depending
• 19:42
  if
• 19:42
  you're
• 19:42
  W2
• 19:43
  or
• 19:43
  you're
• 19:43
  a
• 19:44
  business
• 19:44
  owner
• 19:45
  in
• 19:46
  cash.
• 19:46
  Everything
• 19:47
  else
• 19:47
  needs
• 19:47
  to
• 19:47
  be
• 19:48
  working
• 19:48
  for
• 19:48
  you
• 19:48
  in
• 19:48
  some
• 19:49
  capacity.
• 19:50
  So
• 19:50
  what
• 19:51
  do
• 19:51
  you
• 19:51
  think
• 19:51
  is
• 19:51
  the
• 19:51
  best
• 19:51
  way
• 19:52
  to
• 19:52
  build
• 19:52
  passive
• 19:53
  income
• 19:54
  in
• 19:54
  this,
• 19:55
  in
• 19:56
  this
• 19:56
  world?
• 19:56
  Because
• 19:57
  I
• 19:57
  feel
• 19:57
  like
• 19:58
  that's
• 19:58
  another
• 19:58
  thing
• 19:59
  too.
• 19:59
  I
• 19:59
  mean,
• 19:59
  I
• 19:59
  see
• 19:59
  people
• 20:00
  that
• 20:00
  have
• 20:00
  invested
• 20:01
  and,
• 20:01
  you
• 20:02
  know,
• 20:02
  not
• 20:02
  very
• 20:02
  sexy
• 20:03
  businesses,
• 20:03
  let's
• 20:04
  say
• 20:04
  laundry
• 20:04
  mats
• 20:05
  and
• 20:05
  things
• 20:05
  like
• 20:05
  that,
• 20:06
  right?
• 20:06
  Like
• 20:07
  where
• 20:07
  it's
• 20:07
  just
• 20:07
  kind
• 20:07
  of
• 20:08
  like,
• 20:08
  you
• 20:08
  know,
• 20:09
  they're
• 20:09
  getting
• 20:09
  income,
• 20:10
  but
• 20:10
  it's,
• 20:10
  you
• 20:10
  know,
• 20:10
  and
• 20:11
  it's
• 20:11
  passive
• 20:11
  income.
• 20:12
  But
• 20:12
  like,
• 20:12
  things
• 20:13
  like
• 20:13
  that.
• 20:13
  Like
• 20:13
  what
• 20:13
  are
• 20:14
  some
• 20:14
  good
• 20:14
  ways
• 20:14
  to
• 20:15
  really
• 20:15
  build
• 20:15
  some
• 20:15
  passive
• 20:16
  income?
• 20:17
  Well,
• 20:17
  I
• 20:17
  think
• 20:17
  it
• 20:17
  depends
• 20:18
  on
• 20:18
  how
• 20:18
  much
• 20:18
  you
• 20:18
  want
• 20:19
  to
• 20:19
  be
• 20:20
  like
• 20:20
  involved
• 20:20
  in
• 20:21
  this
• 20:21
  side
• 20:21
  hustle
• 20:21
  of
• 20:21
  yours,
• 20:22
  you
• 20:22
  know,
• 20:22
  I
• 20:22
  mean,
• 20:22
  the
• 20:22
  laundromat,
• 20:23
  you
• 20:23
  know,
• 20:23
  it's
• 20:24
  done.
• 20:24
  I've
• 20:25
  had
• 20:25
  a
• 20:25
  lot
• 20:25
  of
• 20:25
  clients
• 20:25
  like
• 20:26
  move
• 20:26
  in,
• 20:26
  move
• 20:26
  into
• 20:27
  that
• 20:27
  space
• 20:27
  or
• 20:27
  car
• 20:28
  washes
• 20:28
  or
• 20:28
  storage
• 20:29
  units
• 20:29
  or
• 20:29
  vending
• 20:30
  machines
• 20:30
  or,
• 20:31
  you
• 20:31
  know,
• 20:31
  things
• 20:31
  like
• 20:31
  that.
• 20:31
  But
• 20:32
  it
• 20:32
  is
• 20:32
  a
• 20:32
  part
• 20:32
  time
• 20:33
  job,
• 20:33
  you
• 20:33
  know,
• 20:34
  so
• 20:34
  there's
• 20:34
  that
• 20:35
  element
• 20:35
  of
• 20:35
  it
• 20:35
  and
• 20:35
  it
• 20:36
  can
• 20:36
  work
• 20:36
  great.
• 20:37
  You
• 20:38
  know,
• 20:38
  then
• 20:38
  of
• 20:38
  course
• 20:38
  there's
• 20:38
  investment
• 20:39
  properties
• 20:39
  and
• 20:40
  new
• 20:40
  things
• 20:40
  of
• 20:40
  that
• 20:40
  nature.
• 20:41
  And
• 20:41
  I
• 20:41
  think
• 20:41
  when
• 20:41
  people
• 20:41
  think
• 20:42
  of
• 20:42
  passive
• 20:42
  income,
• 20:43
  that's
• 20:44
  not
• 20:44
  really
• 20:44
  a
• 20:44
  term.
• 20:45
  I
• 20:45
  think
• 20:45
  it
• 20:45
  would
• 20:45
  be
• 20:45
  like
• 20:45
  leveraged
• 20:46
  income
• 20:46
  because
• 20:47
  there's
• 20:47
  always
• 20:47
  risk
• 20:48
  in
• 20:48
  some
• 20:48
  way.
• 20:49
  But
• 20:49
  I
• 20:49
  think
• 20:50
  what
• 20:50
  people
• 20:50
  forget
• 20:50
  is,
• 20:52
  you
• 20:52
  know,
• 20:52
  if
• 20:52
  you
• 20:52
  have
• 20:53
  a
• 20:53
  million
• 20:54
  dollars,
• 20:54
  let's
• 20:54
  just
• 20:55
  say
• 20:55
  in
• 20:55
  the
• 20:56
  stock
• 20:56
  market
• 20:56
  and
• 20:56
  it
• 20:56
  goes
• 20:57
  up
• 20:57
  by
• 20:57
  10%,
• 20:57
  well,
• 20:58
  that's
• 20:58
  a
• 20:58
  hundred
• 20:58
  thousand
• 20:58
  dollars
• 20:59
  of
• 20:59
  passive
• 21:00
  income
• 21:00
  as
• 21:00
  well,
• 21:01
  you
• 21:01
  know,
• 21:01
  So
• 21:02
  I
• 21:02
  think
• 21:02
  it's
• 21:02
  a
• 21:02
  combination
• 21:03
  of
• 21:03
  you,
• 21:03
  do
• 21:03
  you
• 21:03
  want
• 21:03
  to
• 21:04
  be
• 21:04
  a
• 21:04
  landlord?
• 21:04
  Do
• 21:04
  you
• 21:04
  want
• 21:05
  to
• 21:05
  be
• 21:05
  involved
• 21:05
  and
• 21:06
  learn
• 21:06
  and
• 21:06
  listen
• 21:06
  to
• 21:07
  the
• 21:07
  podcasts
• 21:07
  and
• 21:07
  you
• 21:08
  know,
• 21:08
  and
• 21:08
  find
• 21:08
  the
• 21:09
  property
• 21:09
  manager
• 21:09
  and
• 21:10
  go
• 21:10
  visit
• 21:10
  the
• 21:11
  laundromat
• 21:11
  and
• 21:12
  you
• 21:12
  know,
• 21:13
  like,
• 21:13
  right
• 21:14
  then
• 21:14
  I
• 21:15
  love
• 21:15
  that
• 21:15
  avenue.
• 21:15
  But
• 21:15
  a
• 21:16
  lot
• 21:16
  of
• 21:16
  people
• 21:16
  just
• 21:17
  say
• 21:17
  they
• 21:17
  want
• 21:17
  to
• 21:17
  do
• 21:18
  that
• 21:18
  but
• 21:18
  don't
• 21:18
  really
• 21:19
  have
• 21:19
  the
• 21:19
  time,
• 21:19
  especially
• 21:20
  when
• 21:20
  you're
• 21:20
  in
• 21:20
  your
• 21:20
  midlife
• 21:21
  and
• 21:21
  you
• 21:21
  have
• 21:21
  all
• 21:21
  these
• 21:21
  other
• 21:21
  things
• 21:22
  that
• 21:22
  are,
• 21:22
  that
• 21:22
  are
• 21:22
  going
• 21:23
  on.
• 21:24
  And
• 21:24
  so
• 21:24
  I
• 21:24
  think,
• 21:25
  you
• 21:25
  know,
• 21:25
  one
• 21:25
  of
• 21:25
  the
• 21:25
  things
• 21:26
  that,
• 21:26
  you
• 21:26
  know,
• 21:26
  it's
• 21:27
  like
• 21:27
  your
• 21:27
  money
• 21:27
  can
• 21:27
  make
• 21:27
  you
• 21:28
  a
• 21:28
  lot
• 21:28
  of
• 21:28
  money.
• 21:29
  What
• 21:30
  are
• 21:30
  the
• 21:30
  fears
• 21:30
  that
• 21:31
  people
• 21:31
  have
• 21:32
  about
• 21:32
  putting
• 21:32
  money
• 21:33
  in
• 21:33
  the
• 21:33
  market?
• 21:33
  Is
• 21:33
  it
• 21:33
  going
• 21:34
  down?
• 21:34
  And
• 21:35
  so
• 21:35
  I
• 21:35
  think
• 21:35
  education
• 21:36
  around
• 21:37
  how
• 21:37
  to
• 21:37
  ensure
• 21:38
  that
• 21:38
  you
• 21:38
  never
• 21:39
  have
• 21:39
  to
• 21:39
  pull
• 21:39
  money
• 21:39
  out
• 21:39
  of
• 21:40
  the
• 21:40
  market
• 21:40
  when
• 21:40
  it's
• 21:41
  down
• 21:41
  is
• 21:41
  important.
• 21:42
  Understanding
• 21:43
  that,
• 21:44
  yeah,
• 21:44
  that's
• 21:45
  a
• 21:45
  good
• 21:45
  point.
• 21:45
  You
• 21:45
  never
• 21:46
  want
• 21:46
  to
• 21:46
  pull
• 21:46
  money
• 21:47
  out
• 21:47
  when
• 21:48
  the
• 21:48
  market's
• 21:48
  down.
• 21:48
  And
• 21:49
  I
• 21:49
  think
• 21:49
  a
• 21:49
  lot
• 21:49
  of
• 21:49
  people
• 21:49
  have
• 21:50
  that
• 21:50
  default
• 21:50
  where
• 21:51
  they're
• 21:51
  like,
• 21:51
  oh
• 21:51
  my
• 21:51
  God,
• 21:52
  they
• 21:52
  start,
• 21:52
  like
• 21:53
  it
• 21:53
  starts
• 21:53
  going
• 21:53
  down
• 21:53
  and
• 21:54
  people
• 21:54
  are
• 21:54
  like,
• 21:54
  oh,
• 21:54
  I
• 21:55
  better
• 21:55
  take
• 21:55
  my
• 21:55
  money
• 21:55
  out,
• 21:56
  but
• 21:56
  it's
• 21:56
  actually
• 21:57
  count.
• 21:57
  Like
• 21:57
  you
• 21:57
  should
• 21:57
  not
• 21:58
  be
• 21:58
  doing
• 21:58
  that.
• 21:58
  Right.
• 21:59
  What
• 21:59
  should
• 21:59
  you
• 21:59
  be
• 22:00
  doing
• 22:00
  if
• 22:00
  you
• 22:00
  have
• 22:00
  capacity?
• 22:01
  Right.
• 22:02
  You
• 22:02
  should
• 22:02
  be
• 22:02
  putting
• 22:02
  more
• 22:03
  money
• 22:03
  in.
• 22:03
  Right.
• 22:04
  Because
• 22:04
  it's
• 22:04
  like
• 22:05
  you
• 22:05
  want
• 22:05
  it
• 22:06
  to
• 22:06
  like
• 22:06
  keep
• 22:06
  growing
• 22:07
  once
• 22:07
  it
• 22:07
  comes
• 22:07
  back
• 22:07
  up.
• 22:08
  Yeah.
• 22:09
  And
• 22:09
  it's
• 22:09
  a
• 22:09
  good
• 22:09
  time
• 22:10
  to
• 22:10
  buy
• 22:10
  when
• 22:10
  it's
• 22:10
  going
• 22:11
  down.
• 22:11
  Yep.
• 22:12
  And
• 22:12
  remember
• 22:13
  how
• 22:13
  I
• 22:13
  said
• 22:13
  earlier
• 22:13
  about
• 22:14
  it
• 22:15
  is
• 22:15
  so
• 22:15
  fascinating
• 22:15
  to
• 22:16
  me
• 22:16
  about
• 22:16
  like
• 22:16
  how
• 22:17
  people's
• 22:17
  emotions
• 22:18
  and
• 22:18
  choices
• 22:19
  and
• 22:20
  lens
• 22:20
  through
• 22:20
  which
• 22:21
  they
• 22:21
  may
• 22:21
  take
• 22:21
  action
• 22:23
  with
• 22:23
  things
• 22:23
  that
• 22:24
  have
• 22:24
  to
• 22:24
  do
• 22:24
  with
• 22:24
  money
• 22:24
  or
• 22:25
  the
• 22:25
  stock
• 22:25
  market
• 22:26
  is
• 22:27
  so
• 22:28
  strange.
• 22:30
  So
• 22:30
  let's
• 22:30
  say
• 22:30
  that
• 22:30
  you're,
• 22:31
  you
• 22:31
  know,
• 22:31
  it's
• 22:31
  lovely
• 22:32
  Sunday
• 22:32
  afternoon,
• 22:32
  you
• 22:33
  know,
• 22:33
  you
• 22:33
  decide
• 22:33
  to
• 22:33
  go
• 22:34
  shopping
• 22:34
  and
• 22:34
  you
• 22:34
  walk
• 22:34
  into,
• 22:36
  you
• 22:36
  know,
• 22:36
  a
• 22:36
  great
• 22:36
  store
• 22:37
  and
• 22:37
  there's
• 22:37
  a
• 22:37
  beautiful
• 22:38
  dress
• 22:38
  that's
• 22:38
  like
• 22:38
  40%
• 22:39
  off.
• 22:39
  Like,
• 22:39
  you're
• 22:40
  like,
• 22:40
  hell,
• 22:40
  yeah,
• 22:41
  I'm
• 22:41
  buying
• 22:41
  that
• 22:42
  dress,
• 22:42
  I'm
• 22:42
  gonna
• 22:42
  wear
• 22:42
  it.
• 22:42
  I'm
• 22:43
  gonna
• 22:43
  look
• 22:43
  hot.
• 22:43
  Right?
• 22:45
  Whereas
• 22:45
  if
• 22:45
  the
• 22:45
  dress
• 22:46
  was,
• 22:46
  oh,
• 22:46
  you
• 22:46
  know,
• 22:47
  40%
• 22:48
  above.
• 22:48
  It's
• 22:49
  the,
• 22:49
  the
• 22:49
  price,
• 22:50
  you're
• 22:50
  like,
• 22:50
  what?
• 22:50
  This
• 22:50
  is
• 22:50
  ridiculous.
• 22:51
  But
• 22:51
  people,
• 22:52
  you
• 22:52
  know,
• 22:52
  actually
• 22:54
  operate
• 22:54
  exactly
• 22:55
  like,
• 22:55
  like,
• 22:56
  like
• 22:56
  that
• 22:57
  in
• 22:57
  the
• 22:57
  market.
• 22:58
  So,
• 22:59
  you
• 22:59
  know,
• 22:59
  when
• 23:00
  things
• 23:00
  are
• 23:00
  really
• 23:01
  exc.
• 23:01
  Expensive
• 23:02
  and
• 23:02
  oversold
• 23:03
  and
• 23:03
  overvalued
• 23:04
  and,
• 23:04
  you
• 23:04
  know,
• 23:05
  everyone's
• 23:05
  talking
• 23:05
  about
• 23:05
  how
• 23:05
  much
• 23:06
  money
• 23:06
  they've
• 23:06
  made,
• 23:06
  there's
• 23:06
  fomo.
• 23:07
  And
• 23:07
  so
• 23:07
  people
• 23:07
  buy
• 23:08
  high
• 23:09
  and
• 23:10
  then,
• 23:10
  and
• 23:10
  then
• 23:10
  things
• 23:11
  fall.
• 23:11
  So
• 23:11
  In
• 23:11
  March
• 23:12
  of
• 23:12
  2020,
• 23:12
  to
• 23:12
  give
• 23:13
  you
• 23:13
  some
• 23:13
  statistics,
• 23:14
  the
• 23:15
  stock
• 23:15
  market
• 23:15
  fell
• 23:16
  34%
• 23:17
  in
• 23:17
  22
• 23:18
  days.
• 23:21
  And
• 23:21
  about
• 23:21
  50%
• 23:22
  of
• 23:22
  people
• 23:22
  sold
• 23:23
  at
• 23:23
  the
• 23:23
  bottom
• 23:23
  or
• 23:23
  close
• 23:24
  to
• 23:24
  the
• 23:24
  bottom
• 23:24
  because
• 23:24
  they
• 23:24
  panicked.
• 23:26
  It's
• 23:26
  so
• 23:27
  sad
• 23:27
  because
• 23:27
  in
• 23:28
  that
• 23:28
  moment,
• 23:28
  people
• 23:29
  are
• 23:29
  so
• 23:29
  afraid
• 23:30
  that
• 23:30
  this
• 23:30
  time
• 23:31
  is
• 23:31
  different.
• 23:33
  There's
• 23:33
  never
• 23:33
  been
• 23:33
  a
• 23:33
  global
• 23:34
  pandemic.
• 23:34
  There's
• 23:35
  a
• 23:35
  bird
• 23:35
  that's,
• 23:36
  you
• 23:36
  know,
• 23:36
  that,
• 23:36
  you
• 23:37
  know,
• 23:37
  like
• 23:37
  there's
• 23:37
  a
• 23:37
  covet.
• 23:37
  What
• 23:38
  is
• 23:38
  happening,
• 23:38
  like
• 23:38
  this
• 23:38
  is
• 23:39
  now
• 23:39
  the
• 23:39
  whole
• 23:39
  world's
• 23:39
  going
• 23:39
  to
• 23:39
  shut
• 23:40
  down.
• 23:40
  I
• 23:40
  better
• 23:40
  pull
• 23:40
  all
• 23:40
  my
• 23:41
  money.
• 23:43
  That
• 23:43
  is
• 23:44
  normal.
• 23:45
  That's
• 23:45
  part
• 23:45
  of
• 23:45
  the
• 23:45
  capital
• 23:46
  market
• 23:46
  cycle.
• 23:47
  It
• 23:47
  happens.
• 23:47
  It
• 23:48
  happened,
• 23:48
  you
• 23:49
  know,
• 23:49
  in,
• 23:49
  in
• 23:49
  2001,
• 23:50
  in
• 23:50
  2008,
• 23:51
  and
• 23:51
  Vietnam
• 23:52
  Savings
• 23:53
  and
• 23:53
  Loan
• 23:53
  Crisis,
• 23:53
  dot
• 23:53
  com,
• 23:54
  all
• 23:54
  these
• 23:54
  things.
• 23:55
  What
• 23:55
  happened
• 23:55
  that
• 23:56
  year?
• 23:58
  It
• 23:58
  recovered
• 23:58
  the
• 23:58
  34%
• 23:59
  and
• 24:00
  then
• 24:00
  it
• 24:00
  grew
• 24:00
  another
• 24:00
  16%.
• 24:02
  And
• 24:02
  so
• 24:03
  that's
• 24:03
  the
• 24:03
  third
• 24:03
  destructor
• 24:04
  of
• 24:04
  wealth
• 24:04
  emotions.
• 24:06
  So
• 24:06
  we
• 24:06
  cannot
• 24:07
  be
• 24:07
  emotional
• 24:08
  when
• 24:08
  we're
• 24:08
  investing.
• 24:09
  Correct.
• 24:10
  I
• 24:10
  mean,
• 24:10
  if
• 24:11
  you
• 24:11
  find
• 24:11
  something
• 24:11
  you
• 24:11
  love.
• 24:12
  Right.
• 24:12
  I
• 24:12
  would
• 24:12
  imagine,
• 24:13
  okay,
• 24:14
  that's
• 24:14
  a
• 24:14
  good
• 24:14
  way
• 24:15
  to
• 24:15
  maybe
• 24:15
  use
• 24:15
  your
• 24:15
  emotions
• 24:16
  when
• 24:16
  you're
• 24:16
  investing.
• 24:17
  But
• 24:17
  like,
• 24:18
  like,
• 24:18
  if
• 24:18
  you
• 24:19
  just
• 24:19
  let
• 24:19
  your
• 24:19
  emotions
• 24:20
  guide
• 24:20
  you,
• 24:20
  you
• 24:21
  might
• 24:21
  make
• 24:21
  the
• 24:21
  wrong
• 24:21
  choice.
• 24:22
  Totally.
• 24:23
  And
• 24:23
  so.
• 24:23
  So,
• 24:24
  absolutely.
• 24:24
  But
• 24:25
  how
• 24:25
  do
• 24:25
  you
• 24:25
  actually
• 24:25
  put
• 24:25
  it
• 24:26
  that
• 24:26
  into
• 24:26
  practice?
• 24:26
  There's
• 24:27
  framework.
• 24:27
  So.
• 24:28
  So
• 24:28
  back
• 24:29
  to
• 24:29
  the
• 24:29
  ecosystem.
• 24:30
  Anything
• 24:32
  that
• 24:32
  you
• 24:32
  put
• 24:33
  into
• 24:33
  the
• 24:33
  market,
• 24:35
  you
• 24:35
  should
• 24:36
  have
• 24:36
  flexibility
• 24:37
  on
• 24:38
  that
• 24:38
  for
• 24:38
  at
• 24:38
  least
• 24:38
  two
• 24:38
  years.
• 24:39
  So
• 24:39
  what
• 24:39
  I
• 24:39
  mean
• 24:40
  is,
• 24:40
  you
• 24:41
  know,
• 24:41
  you
• 24:41
  know,
• 24:43
  dollars
• 24:43
  that
• 24:44
  you
• 24:44
  put
• 24:44
  into
• 24:44
  the
• 24:44
  market.
• 24:45
  Right.
• 24:45
  One
• 24:46
  out
• 24:46
  of
• 24:46
  every
• 24:46
  four
• 24:47
  years
• 24:47
  market
• 24:47
  to
• 24:48
  turn
• 24:48
  negative.
• 24:49
  Three
• 24:49
  out
• 24:49
  of
• 24:49
  four
• 24:50
  are
• 24:50
  positive.
• 24:50
  So
• 24:50
  a
• 24:50
  76%
• 24:51
  chance
• 24:52
  that
• 24:52
  if
• 24:52
  you
• 24:52
  put
• 24:53
  money
• 24:53
  in
• 24:53
  Jan
• 24:53
  1
• 24:53
  and
• 24:54
  you
• 24:54
  fast
• 24:54
  forward
• 24:54
  12
• 24:54
  months,
• 24:55
  it's
• 24:55
  going
• 24:55
  to
• 24:55
  Be
• 24:55
  up.
• 24:55
  That's
• 24:55
  pretty
• 24:56
  good,
• 24:56
  but
• 24:56
  it's
• 24:56
  not
• 24:57
  great.
• 24:57
  So
• 24:58
  someone
• 24:58
  says
• 24:58
  to
• 24:58
  me,
• 24:59
  is
• 24:59
  now
• 24:59
  a
• 24:59
  good
• 24:59
  time
• 24:59
  to
• 24:59
  invest
• 25:00
  in
• 25:00
  the
• 25:00
  market?
• 25:01
  I
• 25:02
  would
• 25:02
  say,
• 25:02
  well,
• 25:02
  what
• 25:03
  is
• 25:03
  it
• 25:03
  for?
• 25:04
  What
• 25:04
  is
• 25:04
  the
• 25:05
  intention
• 25:05
  of
• 25:05
  that
• 25:05
  money?
• 25:05
  That's
• 25:06
  what
• 25:06
  you
• 25:06
  need
• 25:06
  to
• 25:06
  ask
• 25:06
  yourself.
• 25:07
  And
• 25:07
  if
• 25:08
  you
• 25:08
  said
• 25:08
  to
• 25:08
  me,
• 25:08
  roxy,
• 25:09
  well,
• 25:09
  I
• 25:09
  got
• 25:09
  to
• 25:09
  pay
• 25:09
  my
• 25:09
  kids
• 25:10
  tuition
• 25:10
  in
• 25:10
  six
• 25:10
  months,
• 25:10
  I
• 25:11
  say
• 25:11
  no,
• 25:12
  because
• 25:12
  we
• 25:12
  don't
• 25:12
  have
• 25:12
  enough
• 25:13
  of
• 25:13
  a
• 25:13
  Runway
• 25:13
  to
• 25:13
  understand,
• 25:14
  to
• 25:14
  be
• 25:14
  able
• 25:14
  to
• 25:14
  ride
• 25:15
  through
• 25:15
  the
• 25:15
  wave.
• 25:17
  Okay,
• 25:18
  so
• 25:18
  if
• 25:18
  you
• 25:18
  said
• 25:18
  to
• 25:19
  me,
• 25:19
  I
• 25:19
  don't
• 25:19
  know,
• 25:19
  I
• 25:19
  just
• 25:19
  have
• 25:19
  this
• 25:20
  cash
• 25:20
  on
• 25:20
  hand.
• 25:21
  I've
• 25:21
  got,
• 25:21
  you
• 25:21
  know,
• 25:22
  12
• 25:22
  months
• 25:22
  of
• 25:23
  expenses
• 25:23
  in
• 25:23
  cash.
• 25:23
  I
• 25:23
  got
• 25:24
  another
• 25:24
  $50,000
• 25:25
  that
• 25:25
  I
• 25:25
  just
• 25:26
  need
• 25:26
  it
• 25:26
  to
• 25:26
  work
• 25:26
  for
• 25:26
  me,
• 25:26
  and
• 25:27
  I
• 25:27
  don't
• 25:27
  know
• 25:27
  what
• 25:27
  to
• 25:27
  do.
• 25:29
  And.
• 25:30
  And
• 25:30
  I
• 25:30
  just
• 25:30
  want
• 25:30
  to
• 25:30
  grow
• 25:31
  the
• 25:31
  next
• 25:31
  three,
• 25:31
  four,
• 25:32
  five,
• 25:32
  ten
• 25:32
  years.
• 25:32
  Yes,
• 25:34
  that's
• 25:34
  the
• 25:34
  time.
• 25:34
  So
• 25:35
  try
• 25:35
  not
• 25:35
  to
• 25:35
  time
• 25:35
  the
• 25:35
  market.
• 25:36
  Is
• 25:36
  now
• 25:36
  a
• 25:36
  good
• 25:36
  time
• 25:37
  because
• 25:37
  of,
• 25:37
  you
• 25:38
  know,
• 25:38
  politics
• 25:38
  or
• 25:39
  markets
• 25:39
  or
• 25:40
  this
• 25:40
  or
• 25:40
  that?
• 25:40
  It's.
• 25:41
  Can
• 25:42
  you
• 25:42
  afford
• 25:42
  to.
• 25:43
  To
• 25:43
  ride
• 25:44
  the
• 25:44
  wave
• 25:44
  of
• 25:45
  the
• 25:45
  downs?
• 25:45
  Because
• 25:45
  the
• 25:45
  average
• 25:46
  bear
• 25:46
  market,
• 25:46
  meaning
• 25:47
  when
• 25:47
  markets
• 25:47
  are
• 25:47
  down,
• 25:48
  is
• 25:48
  about
• 25:49
  1.1
• 25:49
  years.
• 25:50
  The
• 25:50
  average
• 25:50
  bull
• 25:50
  market's
• 25:51
  5.5
• 25:52
  years.
• 25:53
  Ah,
• 25:54
  okay,
• 25:54
  so
• 25:54
  it's
• 25:54
  much
• 25:55
  longer.
• 25:56
  Much
• 25:56
  longer.
• 25:57
  And
• 25:57
  the
• 25:57
  returns
• 25:58
  are
• 25:58
  also
• 25:58
  much
• 25:58
  higher.
• 25:59
  So
• 26:00
  timing,
• 26:00
  like,
• 26:00
  you
• 26:01
  have
• 26:01
  to
• 26:01
  put
• 26:01
  the
• 26:01
  timing
• 26:02
  into
• 26:02
  perspective.
• 26:02
  Like,
• 26:03
  it
• 26:03
  is
• 26:03
  going
• 26:04
  to
• 26:04
  come
• 26:04
  back
• 26:04
  sooner
• 26:05
  rather
• 26:05
  than
• 26:05
  later.
• 26:05
  I
• 26:06
  mean,
• 26:06
  it's
• 26:06
  going
• 26:06
  to
• 26:06
  stay
• 26:06
  higher
• 26:07
  than
• 26:08
  not.
• 26:08
  Yeah,
• 26:09
  like,
• 26:09
  don't
• 26:09
  try
• 26:10
  and
• 26:10
  time
• 26:10
  the
• 26:10
  market.
• 26:11
  That
• 26:11
  is,
• 26:11
  you
• 26:11
  have
• 26:11
  to
• 26:11
  be
• 26:11
  right
• 26:12
  twice
• 26:12
  whenever
• 26:12
  we
• 26:12
  want
• 26:13
  to
• 26:13
  sell
• 26:13
  it.
• 26:13
  That
• 26:13
  is
• 26:13
  one
• 26:13
  of
• 26:14
  the
• 26:14
  biggest,
• 26:14
  you
• 26:14
  know,
• 26:15
  mistakes
• 26:15
  people
• 26:16
  make.
• 26:16
  And
• 26:17
  one
• 26:17
  of
• 26:17
  the
• 26:17
  biggest
• 26:17
  mistakes
• 26:18
  is
• 26:18
  they
• 26:19
  wait
• 26:20
  because
• 26:20
  they're
• 26:21
  waiting
• 26:21
  for
• 26:21
  the
• 26:21
  right
• 26:21
  time
• 26:22
  to
• 26:22
  put
• 26:22
  their
• 26:22
  cash
• 26:22
  in.
• 26:23
  You
• 26:23
  know,
• 26:24
  I'm
• 26:24
  just
• 26:24
  going
• 26:24
  to
• 26:24
  wait
• 26:24
  until
• 26:24
  this.
• 26:25
  Or
• 26:25
  wait
• 26:25
  until
• 26:25
  this
• 26:25
  thing
• 26:26
  seem
• 26:26
  really
• 26:26
  scary.
• 26:26
  Well,
• 26:26
  yeah,
• 26:27
  because
• 26:27
  that's
• 26:27
  how
• 26:27
  people
• 26:28
  click
• 26:28
  on
• 26:28
  headlines
• 26:29
  and
• 26:29
  make
• 26:29
  you
• 26:30
  read
• 26:30
  things.
• 26:30
  But
• 26:30
  like,
• 26:31
  if
• 26:32
  you
• 26:32
  have
• 26:32
  enough
• 26:32
  safe
• 26:33
  capital
• 26:33
  in
• 26:34
  that
• 26:34
  bucket
• 26:34
  of
• 26:35
  cash
• 26:35
  reserves
• 26:36
  and
• 26:36
  you
• 26:36
  have
• 26:36
  stable
• 26:36
  income,
• 26:38
  you
• 26:38
  know,
• 26:39
  and
• 26:39
  you
• 26:39
  don't
• 26:39
  need
• 26:39
  those
• 26:40
  dollars
• 26:40
  in
• 26:40
  the
• 26:40
  next
• 26:41
  two
• 26:41
  years,
• 26:41
  not
• 26:41
  that
• 26:41
  you
• 26:41
  couldn't
• 26:41
  access
• 26:42
  them,
• 26:42
  but
• 26:42
  just
• 26:42
  to
• 26:42
  ride
• 26:43
  up
• 26:43
  that
• 26:43
  wave
• 26:44
  like
• 26:45
  that,
• 26:45
  that
• 26:46
  weight
• 26:46
  sitting
• 26:46
  on
• 26:46
  that
• 26:46
  cash
• 26:47
  is
• 26:47
  just.
• 26:48
  It's
• 26:49
  so
• 26:49
  sad.
• 26:50
  It
• 26:50
  makes
• 26:50
  me
• 26:50
  so
• 26:50
  sad
• 26:51
  for
• 26:51
  people,
• 26:52
  really.
• 26:53
  You're
• 26:53
  afraid,
• 26:54
  you
• 26:54
  know.
• 26:55
  Yeah.
• 26:56
  As
• 26:56
  far
• 26:56
  as
• 26:56
  timing
• 26:57
  goes,
• 26:57
  is
• 26:57
  it
• 26:58
  ever
• 26:58
  too
• 26:58
  late
• 26:59
  for
• 26:59
  a
• 27:00
  woman
• 27:00
  in
• 27:00
  midlife
• 27:01
  to
• 27:02
  get
• 27:03
  involved,
• 27:03
  start
• 27:03
  investing,
• 27:04
  but
• 27:05
  in
• 27:05
  order
• 27:05
  to
• 27:05
  truly
• 27:06
  like
• 27:06
  to
• 27:06
  build
• 27:07
  real
• 27:07
  wealth,
• 27:08
  Definitely
• 27:09
  not.
• 27:09
  Is
• 27:09
  it
• 27:09
  ever
• 27:09
  too
• 27:10
  late?
• 27:10
  Okay.
• 27:10
  It's
• 27:10
  never
• 27:11
  too
• 27:11
  late.
• 27:11
  Oh,
• 27:12
  it's
• 27:12
  never
• 27:12
  too
• 27:12
  late.
• 27:13
  What's
• 27:13
  the
• 27:13
  saying?
• 27:13
  You
• 27:13
  know,
• 27:14
  when's
• 27:14
  the
• 27:14
  best
• 27:14
  time
• 27:14
  to
• 27:14
  plant
• 27:14
  a
• 27:15
  tree?
• 27:15
  Yesterday.
• 27:15
  The
• 27:16
  next
• 27:16
  best
• 27:16
  time
• 27:16
  is
• 27:16
  today,
• 27:17
  you
• 27:17
  know,
• 27:17
  But
• 27:18
  I
• 27:18
  mean,
• 27:18
  I
• 27:19
  am
• 27:19
  so
• 27:19
  blessed
• 27:19
  and
• 27:20
  honored
• 27:20
  to
• 27:20
  serve,
• 27:21
  you
• 27:21
  know,
• 27:22
  women,
• 27:23
  you
• 27:23
  know,
• 27:23
  45
• 27:24
  to
• 27:24
  55,
• 27:24
  a
• 27:25
  lot
• 27:25
  of
• 27:25
  them,
• 27:25
  you
• 27:25
  know,
• 27:25
  I
• 27:25
  serve
• 27:26
  the
• 27:26
  couples
• 27:26
  and
• 27:26
  whether
• 27:27
  it's
• 27:27
  a
• 27:27
  heterosexual
• 27:28
  or,
• 27:28
  you
• 27:28
  know,
• 27:28
  or
• 27:29
  a
• 27:29
  queer
• 27:29
  couple
• 27:29
  or
• 27:29
  whatever,
• 27:30
  but
• 27:30
  I
• 27:30
  have
• 27:30
  a
• 27:30
  lot
• 27:30
  of
• 27:31
  single
• 27:31
  women
• 27:32
  that
• 27:32
  I
• 27:32
  serve
• 27:32
  in
• 27:33
  this
• 27:33
  space.
• 27:34
  And
• 27:35
  it's
• 27:36
  so
• 27:36
  very
• 27:36
  special
• 27:37
  because
• 27:39
  there's
• 27:39
  a
• 27:39
  lot
• 27:39
  of
• 27:39
  heightened
• 27:40
  emotion
• 27:40
  because,
• 27:41
  you
• 27:41
  know,
• 27:41
  no
• 27:41
  one
• 27:41
  ever
• 27:41
  talked
• 27:42
  to
• 27:42
  them
• 27:42
  about
• 27:42
  money
• 27:42
  was
• 27:43
  taboo.
• 27:43
  No
• 27:43
  one
• 27:43
  taught
• 27:44
  them.
• 27:44
  We
• 27:44
  don't
• 27:44
  learn
• 27:44
  it
• 27:44
  in
• 27:44
  school.
• 27:45
  Right.
• 27:45
  Ever.
• 27:47
  But
• 27:47
  then
• 27:47
  there's
• 27:47
  this
• 27:47
  weird
• 27:48
  pressure
• 27:48
  from
• 27:49
  society
• 27:49
  that
• 27:49
  we're
• 27:50
  supposed
• 27:50
  to
• 27:50
  understand
• 27:50
  money.
• 27:51
  It's
• 27:51
  like
• 27:52
  if
• 27:52
  I
• 27:52
  had
• 27:53
  to
• 27:53
  wire
• 27:53
  my
• 27:53
  house
• 27:54
  with
• 27:54
  electricity,
• 27:55
  I'm
• 27:55
  not
• 27:55
  gonna
• 27:55
  like
• 27:55
  Google
• 27:56
  how
• 27:56
  to
• 27:56
  do
• 27:56
  it.
• 27:56
  I'm
• 27:57
  gonna
• 27:57
  hire
• 27:57
  someone
• 27:57
  to
• 27:57
  come
• 27:58
  in
• 27:58
  and
• 27:58
  do
• 27:58
  it.
• 27:58
  And
• 27:58
  so.
• 27:59
  But
• 27:59
  there's
• 27:59
  this
• 28:00
  pressure
• 28:00
  that
• 28:00
  comes
• 28:01
  from
• 28:01
  our
• 28:01
  parents.
• 28:01
  But
• 28:02
  also,
• 28:02
  you
• 28:02
  know,
• 28:03
  everybody
• 28:03
  has
• 28:03
  that
• 28:04
  dude.
• 28:04
  Typically
• 28:04
  it's
• 28:04
  like,
• 28:05
  ah,
• 28:05
  I
• 28:05
  shorted
• 28:05
  Tesla
• 28:06
  and
• 28:06
  like
• 28:06
  says
• 28:07
  like
• 28:07
  S
• 28:07
  and
• 28:08
  P
• 28:08
  this
• 28:08
  and
• 28:08
  that.
• 28:08
  And
• 28:08
  you
• 28:09
  just
• 28:09
  like,
• 28:09
  oh,
• 28:09
  I
• 28:09
  don't
• 28:09
  know
• 28:09
  this.
• 28:10
  I'm
• 28:10
  just
• 28:10
  going
• 28:10
  to
• 28:10
  be
• 28:10
  in
• 28:10
  denial.
• 28:11
  Shame.
• 28:11
  So
• 28:12
  to
• 28:12
  be
• 28:12
  that
• 28:13
  person
• 28:13
  to
• 28:13
  educate
• 28:14
  from
• 28:14
  a
• 28:14
  non
• 28:14
  jargon
• 28:15
  like
• 28:16
  my
• 28:16
  clients
• 28:17
  and
• 28:17
  these
• 28:17
  women
• 28:18
  are
• 28:18
  so
• 28:18
  smart,
• 28:18
  they're
• 28:19
  sophisticated,
• 28:20
  they're,
• 28:20
  they're,
• 28:20
  you
• 28:21
  know,
• 28:21
  and
• 28:22
  so
• 28:22
  I'm
• 28:22
  not
• 28:22
  going
• 28:22
  to
• 28:22
  insult
• 28:22
  their
• 28:23
  intelligence
• 28:23
  by
• 28:23
  not
• 28:24
  explaining
• 28:24
  to
• 28:25
  them
• 28:25
  what
• 28:26
  the,
• 28:26
  what
• 28:26
  the
• 28:27
  input
• 28:27
  can
• 28:27
  be
• 28:28
  into
• 28:28
  your
• 28:29
  freedom
• 28:29
  formula,
• 28:30
  that's
• 28:30
  what
• 28:30
  I
• 28:30
  call
• 28:30
  it,
• 28:30
  a
• 28:30
  wealth
• 28:31
  building
• 28:31
  system.
• 28:32
  That,
• 28:32
  that
• 28:33
  is
• 28:33
  going
• 28:33
  to
• 28:33
  be
• 28:33
  explosive
• 28:34
  for
• 28:34
  you.
• 28:35
  And
• 28:35
  so
• 28:35
  being
• 28:35
  able
• 28:36
  to
• 28:36
  be
• 28:36
  there
• 28:36
  for
• 28:36
  them,
• 28:37
  you
• 28:37
  know,
• 28:37
  and
• 28:37
  like
• 28:37
  especially
• 28:38
  they
• 28:38
  don't
• 28:38
  have
• 28:38
  a
• 28:38
  partner
• 28:39
  and
• 28:39
  they
• 28:39
  expected
• 28:40
  to
• 28:40
  have
• 28:40
  a
• 28:40
  partner
• 28:40
  and
• 28:41
  they
• 28:41
  didn't
• 28:41
  think
• 28:41
  that
• 28:41
  they
• 28:42
  this
• 28:42
  place
• 28:42
  in
• 28:42
  their
• 28:43
  life
• 28:43
  at
• 28:43
  52
• 28:44
  or
• 28:44
  whatever
• 28:45
  it
• 28:45
  is,
• 28:45
  you
• 28:45
  know,
• 28:45
  making
• 28:46
  decisions
• 28:46
  on
• 28:46
  their
• 28:46
  own.
• 28:46
  Should
• 28:47
  I
• 28:47
  sell
• 28:47
  the
• 28:47
  property?
• 28:48
  Should
• 28:48
  I
• 28:48
  buy
• 28:48
  the
• 28:48
  property?
• 28:49
  You
• 28:49
  know,
• 28:49
  like
• 28:50
  these,
• 28:50
  these
• 28:50
  questions
• 28:51
  like
• 28:51
  I'm
• 28:51
  their
• 28:52
  financial
• 28:52
  life
• 28:53
  partner.
• 28:54
  It's.
• 28:55
  And
• 28:55
  it's
• 28:55
  a
• 28:55
  wonderful
• 28:56
  thing
• 28:56
  to
• 28:56
  be.
• 28:57
  Yeah.
• 28:57
  And
• 28:57
  thank
• 28:58
  goodness
• 28:58
  they
• 28:58
  have
• 28:58
  you,
• 28:59
  you
• 28:59
  know,
• 28:59
  because
• 28:59
  you
• 28:59
  need
• 29:00
  somebody
• 29:00
  to
• 29:00
  bounce
• 29:00
  off
• 29:01
  ideas
• 29:02
  like
• 29:02
  that.
• 29:03
  Yes.
• 29:03
  And
• 29:04
  yeah.
• 29:04
  So
• 29:04
  I
• 29:05
  mean,
• 29:05
  thank
• 29:05
  goodness.
• 29:07
  Exciting
• 29:07
  you
• 29:07
  right
• 29:08
  now
• 29:08
  as
• 29:08
  far
• 29:08
  as
• 29:08
  like
• 29:09
  investments
• 29:10
  go,
• 29:10
  is
• 29:10
  there
• 29:11
  anything
• 29:11
  new
• 29:11
  that's
• 29:12
  kind
• 29:12
  of
• 29:12
  coming
• 29:12
  up
• 29:12
  that
• 29:13
  you're
• 29:13
  like,
• 29:13
  wow,
• 29:13
  wow,
• 29:13
  wow,
• 29:14
  this
• 29:14
  is
• 29:14
  going
• 29:14
  to
• 29:14
  be
• 29:14
  good.
• 29:15
  Yeah.
• 29:16
  Without
• 29:17
  giving
• 29:17
  any
• 29:17
  specific
• 29:18
  investment
• 29:18
  advice.
• 29:19
  Yes.
• 29:21
  Yeah.
• 29:21
  You're
• 29:22
  like
• 29:22
  disclaimer.
• 29:23
  Because
• 29:25
  all
• 29:25
  of
• 29:25
  these
• 29:25
  people
• 29:25
  that
• 29:26
  aren't
• 29:26
  licensed
• 29:26
  and
• 29:26
  don't
• 29:26
  have
• 29:27
  designations
• 29:27
  and
• 29:27
  aren't
• 29:28
  Actually
• 29:28
  financial
• 29:28
  planners
• 29:29
  can
• 29:29
  talk
• 29:29
  whatever
• 29:29
  they
• 29:30
  want
• 29:30
  because
• 29:30
  they're
• 29:30
  not
• 29:30
  regulated.
• 29:31
  But
• 29:31
  then
• 29:31
  people
• 29:31
  like
• 29:32
  me
• 29:32
  that
• 29:32
  actually
• 29:32
  know
• 29:33
  what
• 29:33
  they're
• 29:33
  talking
• 29:33
  about,
• 29:33
  like
• 29:34
  can't.
• 29:34
  So
• 29:34
  anyways,
• 29:36
  so
• 29:36
  let
• 29:36
  me
• 29:37
  just,
• 29:37
  let
• 29:37
  me,
• 29:37
  let
• 29:37
  me
• 29:38
  share
• 29:38
  a
• 29:38
  big
• 29:38
  trend
• 29:39
  right
• 29:39
  now.
• 29:40
  So
• 29:40
  that's
• 29:40
  immediate
• 29:41
  thing
• 29:41
  that
• 29:41
  you
• 29:41
  can
• 29:42
  do,
• 29:42
  you
• 29:42
  know,
• 29:42
  your
• 29:42
  listeners
• 29:43
  can
• 29:43
  do.
• 29:46
  So
• 29:46
  right
• 29:47
  now
• 29:49
  there
• 29:49
  is
• 29:50
  an
• 29:50
  evolution
• 29:51
  in
• 29:51
  like
• 29:51
  what
• 29:53
  asset
• 29:54
  classes
• 29:54
  people
• 29:54
  think
• 29:54
  are
• 29:55
  going
• 29:55
  to
• 29:55
  confirm
• 29:55
  are
• 29:55
  going
• 29:56
  to
• 29:56
  grow.
• 29:56
  So
• 29:56
  let
• 29:57
  me
• 29:57
  just
• 29:57
  back
• 29:57
  up
• 29:58
  for
• 29:58
  a
• 29:58
  second.
• 29:59
  Asset
• 29:59
  classes,
• 30:00
  I
• 30:00
  say
• 30:00
  that
• 30:00
  and
• 30:00
  people
• 30:00
  are
• 30:00
  like,
• 30:01
  I
• 30:01
  don't
• 30:01
  know
• 30:01
  what
• 30:01
  that
• 30:01
  is.
• 30:02
  An
• 30:02
  asset
• 30:03
  class
• 30:03
  is
• 30:03
  just
• 30:03
  a
• 30:03
  way
• 30:03
  to
• 30:04
  classify
• 30:04
  a
• 30:04
  company.
• 30:05
  So
• 30:06
  one
• 30:06
  asset
• 30:06
  class
• 30:07
  is
• 30:07
  US
• 30:07
  Stock.
• 30:08
  And
• 30:08
  then
• 30:08
  there's
• 30:09
  large
• 30:09
  companies,
• 30:09
  large
• 30:10
  cap,
• 30:10
  middle
• 30:11
  sized
• 30:11
  companies,
• 30:11
  mid
• 30:12
  cap,
• 30:12
  small
• 30:13
  companies,
• 30:13
  small
• 30:13
  cap,
• 30:14
  basic.
• 30:15
  Another
• 30:15
  one
• 30:16
  is
• 30:16
  international.
• 30:16
  And
• 30:17
  there's
• 30:17
  international
• 30:17
  developed
• 30:18
  and
• 30:18
  international
• 30:18
  emerging
• 30:19
  international
• 30:19
  companies.
• 30:20
  Now
• 30:20
  these
• 30:21
  international
• 30:21
  companies
• 30:22
  are
• 30:22
  things
• 30:23
  like
• 30:23
  Mercedes
• 30:24
  Benz,
• 30:24
  Toyota,
• 30:25
  Ray
• 30:26
  Ban
• 30:26
  sunglasses,
• 30:27
  Sephora,
• 30:28
  BP,
• 30:28
  Unilever.
• 30:29
  These
• 30:29
  are,
• 30:30
  you
• 30:30
  know,
• 30:30
  companies
• 30:30
  that
• 30:30
  Anheuser
• 30:31
  Busch
• 30:31
  that
• 30:31
  people
• 30:32
  are
• 30:32
  very
• 30:32
  aware
• 30:32
  of.
• 30:33
  So
• 30:33
  what
• 30:34
  tends
• 30:34
  to
• 30:34
  happen
• 30:35
  is
• 30:36
  it's
• 30:36
  cyclical
• 30:37
  where
• 30:37
  US
• 30:38
  domestic
• 30:39
  companies
• 30:40
  outperform
• 30:40
  international
• 30:41
  and
• 30:41
  international
• 30:42
  performs
• 30:42
  domestic.
• 30:43
  We
• 30:43
  have
• 30:44
  been
• 30:44
  in
• 30:44
  a
• 30:44
  20
• 30:45
  year,
• 30:45
  two
• 30:45
  decade
• 30:46
  cycle
• 30:47
  of
• 30:48
  us
• 30:49
  crushing
• 30:50
  international,
• 30:51
  not
• 30:52
  only
• 30:52
  us,
• 30:53
  but
• 30:53
  giant
• 30:54
  cap
• 30:54
  tech
• 30:55
  companies,
• 30:56
  right?
• 30:56
  The
• 30:56
  magnificent
• 30:57
  seven.
• 30:58
  So
• 30:58
  we're
• 30:58
  talking
• 30:58
  the
• 30:59
  Apple,
• 30:59
  the
• 30:59
  Amazons,
• 31:00
  right,
• 31:01
  The
• 31:01
  Alphabets,
• 31:02
  the
• 31:02
  Nvidia,
• 31:02
  the
• 31:03
  Netflix,
• 31:03
  right,
• 31:04
  the
• 31:04
  Microsoft.
• 31:06
  And
• 31:06
  so
• 31:07
  I
• 31:07
  bet
• 31:07
  if
• 31:08
  you
• 31:08
  pull
• 31:08
  up
• 31:09
  your
• 31:09
  portfolio
• 31:09
  right
• 31:10
  now
• 31:10
  and
• 31:11
  you
• 31:11
  look
• 31:11
  at
• 31:12
  what
• 31:12
  percentage
• 31:12
  of
• 31:12
  my
• 31:13
  portfolio
• 31:13
  is
• 31:13
  exposed
• 31:14
  to
• 31:15
  the
• 31:15
  S&P
• 31:16
  500
• 31:16
  or
• 31:17
  US
• 31:17
  stock,
• 31:18
  you'll
• 31:18
  be
• 31:18
  heavily
• 31:19
  weighted
• 31:20
  into
• 31:20
  us
• 31:21
  because
• 31:21
  that's
• 31:21
  what's
• 31:22
  done
• 31:22
  really
• 31:22
  well
• 31:23
  the
• 31:23
  last
• 31:23
  couple.
• 31:24
  So
• 31:24
  there's
• 31:24
  what
• 31:24
  we
• 31:24
  call
• 31:24
  recency
• 31:25
  bias.
• 31:25
  And
• 31:26
  this
• 31:26
  is,
• 31:26
  if
• 31:27
  I
• 31:27
  could
• 31:27
  put
• 31:27
  a
• 31:27
  billboard
• 31:27
  up
• 31:28
  all
• 31:28
  over
• 31:28
  the
• 31:28
  country,
• 31:29
  I
• 31:29
  would
• 31:29
  do
• 31:29
  this.
• 31:29
  So
• 31:31
  what
• 31:31
  happens
• 31:32
  is
• 31:32
  this
• 31:33
  is
• 31:33
  cyclical,
• 31:33
  right?
• 31:34
  So
• 31:34
  if
• 31:34
  you
• 31:35
  look
• 31:35
  back
• 31:35
  the
• 31:35
  last
• 31:36
  five
• 31:36
  decades,
• 31:37
  three
• 31:37
  out
• 31:37
  of
• 31:37
  the
• 31:37
  last
• 31:38
  five
• 31:38
  international
• 31:39
  outperformed.
• 31:41
  So
• 31:41
  as
• 31:41
  the
• 31:42
  dollar
• 31:42
  weakens,
• 31:42
  which
• 31:44
  it
• 31:44
  is
• 31:44
  weakening,
• 31:45
  having
• 31:46
  a
• 31:46
  diversified
• 31:47
  portfolio,
• 31:47
  having
• 31:47
  exposure
• 31:48
  to
• 31:49
  the
• 31:49
  international
• 31:49
  marketplace
• 31:51
  is
• 31:51
  so
• 31:51
  critical.
• 31:53
  And
• 31:54
  if
• 31:54
  you
• 31:54
  look
• 31:54
  at
• 31:54
  last
• 31:55
  year,
• 31:55
  The
• 31:55
  S&P
• 31:56
  500
• 31:56
  large
• 31:56
  cap
• 31:57
  returned
• 31:57
  70%,
• 31:59
  international
• 31:59
  emerging
• 31:59
  developer
• 32:00
  30%
• 32:01
  and
• 32:01
  32%.
• 32:02
  And
• 32:03
  so
• 32:03
  you're
• 32:03
  seeing
• 32:03
  this
• 32:04
  trend
• 32:05
  and
• 32:05
  I'll
• 32:05
  add
• 32:06
  on
• 32:06
  top
• 32:06
  of
• 32:06
  that
• 32:06
  is,
• 32:06
  you
• 32:07
  know,
• 32:07
  it's
• 32:07
  easy
• 32:07
  to
• 32:08
  say,
• 32:08
  you
• 32:09
  know
• 32:09
  what,
• 32:09
  I
• 32:09
  know
• 32:09
  Apple,
• 32:09
  I'm
• 32:09
  going
• 32:10
  to
• 32:10
  invest
• 32:10
  in
• 32:10
  Apple.
• 32:10
  Or
• 32:11
  these
• 32:11
  are
• 32:11
  things
• 32:11
  that
• 32:11
  you're
• 32:11
  familiar
• 32:12
  with
• 32:12
  where
• 32:12
  it's
• 32:13
  not
• 32:13
  as
• 32:13
  easy
• 32:13
  to
• 32:13
  say
• 32:13
  what
• 32:14
  company
• 32:14
  in
• 32:14
  India
• 32:14
  or
• 32:15
  what
• 32:15
  company.
• 32:15
  You
• 32:16
  know,
• 32:16
  that's
• 32:16
  why
• 32:17
  there's
• 32:17
  index
• 32:17
  funds
• 32:18
  and
• 32:18
  ETFs.
• 32:19
  But
• 32:19
  if
• 32:20
  you
• 32:20
  look
• 32:20
  at
• 32:20
  your
• 32:20
  portfolio
• 32:21
  and
• 32:21
  you
• 32:22
  are
• 32:22
  heavily
• 32:23
  percentage
• 32:24
  into
• 32:24
  us,
• 32:25
  I
• 32:25
  would
• 32:26
  seriously
• 32:26
  think
• 32:26
  about
• 32:27
  the
• 32:27
  power
• 32:28
  of
• 32:28
  diversification
• 32:29
  and
• 32:29
  what
• 32:29
  asset
• 32:30
  classes
• 32:30
  like
• 32:30
  international
• 32:31
  as
• 32:31
  an
• 32:31
  example,
• 32:32
  are
• 32:33
  undervalued
• 32:35
  in
• 32:35
  our
• 32:36
  perspective
• 32:37
  and
• 32:37
  being
• 32:37
  able
• 32:37
  to
• 32:37
  kind
• 32:38
  of
• 32:38
  ride
• 32:39
  that
• 32:39
  value
• 32:40
  up.
• 32:41
  Again,
• 32:41
  not
• 32:42
  investment
• 32:42
  advice,
• 32:42
  but
• 32:43
  just
• 32:43
  something
• 32:43
  to
• 32:43
  really
• 32:43
  think
• 32:44
  about
• 32:44
  with
• 32:44
  your
• 32:44
  recency
• 32:45
  bias
• 32:45
  of
• 32:46
  how
• 32:46
  do
• 32:46
  we
• 32:46
  again
• 32:47
  take
• 32:47
  some
• 32:48
  chips
• 32:48
  off
• 32:48
  the
• 32:48
  table,
• 32:48
  we've
• 32:49
  made
• 32:49
  some
• 32:49
  great
• 32:49
  money
• 32:50
  and
• 32:50
  put
• 32:50
  those
• 32:50
  chips
• 32:51
  back
• 32:51
  into
• 32:51
  things
• 32:51
  that
• 32:52
  have
• 32:52
  a
• 32:52
  greater
• 32:52
  upside
• 32:52
  potential
• 32:53
  and
• 32:53
  less
• 32:53
  downside
• 32:54
  potential
• 32:54
  potential.
• 32:55
  So
• 32:55
  I
• 32:55
  got
• 32:55
  a
• 32:55
  little
• 32:55
  techy
• 32:56
  there,
• 32:56
  but
• 32:56
  I
• 32:56
  think
• 32:56
  that's
• 32:57
  a
• 32:57
  good
• 32:58
  action
• 32:58
  item,
• 32:58
  you
• 32:59
  know?
• 32:59
  Yeah,
• 32:59
  yeah,
• 33:00
  absolutely.
• 33:01
  Now
• 33:01
  what
• 33:01
  do
• 33:02
  you,
• 33:02
  what
• 33:02
  are
• 33:02
  your
• 33:02
  thoughts
• 33:03
  on
• 33:03
  like
• 33:03
  all
• 33:03
  this
• 33:03
  bitcoin
• 33:04
  stuff?
• 33:04
  Yeah,
• 33:05
  so
• 33:06
  I
• 33:06
  mean,
• 33:06
  my
• 33:06
  thoughts
• 33:07
  on
• 33:07
  bitcoin
• 33:08
  is
• 33:08
  that
• 33:08
  it
• 33:08
  is
• 33:08
  in
• 33:09
  the
• 33:09
  is.
• 33:09
  So
• 33:09
  let's
• 33:10
  go
• 33:10
  back
• 33:10
  to
• 33:10
  the
• 33:10
  ecosystem
• 33:11
  that
• 33:12
  within
• 33:12
  the
• 33:12
  ecosystem,
• 33:13
  bitcoin
• 33:13
  is
• 33:13
  super,
• 33:14
  super,
• 33:14
  super
• 33:14
  high
• 33:15
  risk.
• 33:16
  Now
• 33:17
  that
• 33:17
  could
• 33:17
  mean
• 33:18
  super,
• 33:18
  super,
• 33:18
  super
• 33:18
  high
• 33:19
  return
• 33:20
  or
• 33:20
  it
• 33:20
  could
• 33:20
  mean
• 33:21
  zero.
• 33:22
  Right.
• 33:23
  That's
• 33:23
  the
• 33:23
  relationship
• 33:24
  between
• 33:24
  risk
• 33:24
  and
• 33:24
  return.
• 33:25
  And
• 33:25
  so
• 33:25
  I
• 33:26
  would
• 33:26
  put
• 33:26
  in
• 33:26
  that
• 33:27
  category
• 33:28
  art,
• 33:29
  or
• 33:30
  investing
• 33:30
  in
• 33:30
  your
• 33:30
  buddy's
• 33:31
  wine
• 33:31
  bar
• 33:32
  or
• 33:33
  something
• 33:33
  that
• 33:34
  high
• 33:34
  risk
• 33:34
  can
• 33:34
  be
• 33:35
  really
• 33:35
  great
• 33:35
  return,
• 33:35
  but
• 33:36
  can
• 33:36
  also
• 33:36
  go
• 33:36
  to
• 33:37
  zero.
• 33:37
  And
• 33:38
  so
• 33:38
  for
• 33:38
  bitcoin,
• 33:40
  I
• 33:40
  can't
• 33:40
  make
• 33:40
  any
• 33:41
  recommendations
• 33:42
  on
• 33:42
  whether
• 33:42
  to
• 33:43
  invest
• 33:43
  in
• 33:43
  bitcoin
• 33:44
  or
• 33:44
  not.
• 33:44
  I
• 33:44
  can
• 33:44
  say
• 33:44
  that
• 33:44
  I
• 33:44
  have
• 33:45
  some
• 33:45
  in
• 33:45
  bitcoin,
• 33:46
  but
• 33:46
  in
• 33:46
  general,
• 33:47
  I
• 33:48
  would
• 33:48
  say
• 33:48
  you
• 33:49
  want
• 33:49
  to
• 33:49
  look
• 33:49
  at
• 33:49
  your
• 33:49
  net
• 33:49
  worth
• 33:50
  and
• 33:51
  say
• 33:51
  in,
• 33:51
  in
• 33:51
  that
• 33:52
  super
• 33:52
  high,
• 33:52
  high
• 33:52
  risk
• 33:53
  bucket,
• 33:54
  Maybe
• 33:54
  you
• 33:54
  have
• 33:54
  3
• 33:55
  to
• 33:55
  5%
• 33:55
  of
• 33:56
  your
• 33:56
  net
• 33:56
  worth
• 33:56
  in
• 33:56
  that
• 33:56
  bucket.
• 33:57
  So
• 33:57
  that
• 33:58
  if
• 33:58
  it
• 33:58
  hits
• 33:59
  really
• 33:59
  big,
• 33:59
  like
• 34:00
  you're,
• 34:00
  you're,
• 34:01
  you're
• 34:01
  in
• 34:01
  it.
• 34:01
  But
• 34:02
  if
• 34:02
  it
• 34:02
  zero,
• 34:04
  it's
• 34:05
  a
• 34:05
  bummer
• 34:05
  and
• 34:05
  we'll
• 34:05
  be
• 34:05
  sad.
• 34:06
  But
• 34:07
  it
• 34:07
  doesn't
• 34:08
  derail
• 34:08
  your
• 34:08
  financial
• 34:09
  life.
• 34:09
  Design
• 34:09
  your
• 34:10
  financial
• 34:10
  plan.
• 34:11
  And
• 34:11
  that's
• 34:12
  so
• 34:12
  critical.
• 34:13
  That's
• 34:13
  so
• 34:13
  critical.
• 34:14
  But
• 34:14
  then
• 34:14
  you
• 34:15
  look
• 34:15
  at
• 34:15
  those
• 34:15
  stories,
• 34:16
  you
• 34:16
  know,
• 34:16
  where
• 34:17
  these
• 34:17
  people
• 34:17
  got
• 34:17
  in
• 34:17
  on
• 34:17
  bitcoin
• 34:18
  right
• 34:18
  at
• 34:18
  the
• 34:18
  beginning
• 34:19
  and
• 34:19
  put
• 34:19
  in,
• 34:20
  I
• 34:20
  don't
• 34:20
  know,
• 34:20
  10
• 34:20
  grand
• 34:21
  or
• 34:21
  something.
• 34:21
  And
• 34:22
  now
• 34:22
  they're
• 34:22
  like
• 34:23
  multi,
• 34:23
  multi
• 34:23
  millionaires,
• 34:24
  you
• 34:24
  know,
• 34:25
  just
• 34:25
  living
• 34:26
  the
• 34:26
  life.
• 34:26
  So
• 34:26
  it's
• 34:27
  like
• 34:27
  sometimes
• 34:27
  you
• 34:27
  just
• 34:28
  don't
• 34:28
  know
• 34:28
  when
• 34:28
  things
• 34:29
  are
• 34:29
  gonna
• 34:29
  hit,
• 34:30
  like
• 34:30
  when
• 34:31
  they
• 34:31
  do,
• 34:31
  you
• 34:32
  know?
• 34:32
  Yeah,
• 34:32
  but
• 34:33
  you
• 34:33
  don't
• 34:33
  hear
• 34:33
  the
• 34:33
  stories.
• 34:34
  And
• 34:34
  I
• 34:34
  have
• 34:34
  many
• 34:34
  clients
• 34:34
  has
• 34:35
  happened
• 34:35
  to
• 34:35
  you
• 34:35
  that
• 34:35
  did
• 34:36
  the
• 34:36
  same,
• 34:37
  got
• 34:37
  really
• 34:37
  greedy
• 34:38
  and
• 34:38
  then
• 34:38
  lost
• 34:38
  their
• 34:38
  entire
• 34:39
  net
• 34:39
  worth,
• 34:40
  you
• 34:40
  know.
• 34:40
  So
• 34:40
  it
• 34:41
  goes
• 34:41
  both
• 34:41
  ways.
• 34:42
  You
• 34:42
  just
• 34:42
  hear
• 34:42
  the
• 34:42
  good
• 34:42
  ones.
• 34:43
  Usually
• 34:43
  no
• 34:43
  one's
• 34:43
  out
• 34:44
  there
• 34:44
  broadcasting
• 34:44
  the
• 34:45
  crappy
• 34:45
  mistakes
• 34:46
  they
• 34:46
  made.
• 34:46
  Only
• 34:46
  the
• 34:47
  Amazing,
• 34:47
  brilliant
• 34:47
  ones
• 34:48
  when
• 34:48
  it
• 34:48
  comes
• 34:48
  to
• 34:48
  investments.
• 34:50
  Yeah.
• 34:50
  They're
• 34:50
  not
• 34:50
  like,
• 34:50
  oh,
• 34:51
  my
• 34:51
  God,
• 34:51
  I
• 34:51
  lost.
• 34:52
  Look
• 34:52
  at
• 34:52
  this
• 34:52
  dumb
• 34:52
  decision
• 34:53
  I
• 34:53
  made.
• 34:53
  Let
• 34:53
  me
• 34:54
  write
• 34:54
  about
• 34:54
  it.
• 34:55
  No
• 34:55
  one
• 34:55
  does
• 34:55
  that.
• 34:56
  That's
• 34:56
  why
• 34:56
  it's
• 34:56
  even
• 34:57
  more
• 34:57
  intimidating,
• 34:57
  because
• 34:57
  you
• 34:57
  only
• 34:58
  hear
• 34:58
  half
• 34:58
  the
• 34:58
  stories
• 34:58
  or
• 34:59
  less,
• 34:59
  you
• 34:59
  know?
• 35:00
  Right,
• 35:01
  right.
• 35:01
  It's
• 35:02
  true.
• 35:02
  It's
• 35:02
  true.
• 35:03
  Now,
• 35:04
  what
• 35:04
  should
• 35:04
  we
• 35:04
  be
• 35:06
  preparing
• 35:06
  for?
• 35:07
  Because
• 35:07
  life
• 35:07
  events
• 35:08
  happen,
• 35:08
  right?
• 35:08
  So
• 35:08
  it's
• 35:08
  like
• 35:09
  aging
• 35:09
  parents,
• 35:10
  kids
• 35:10
  are
• 35:10
  going
• 35:11
  to
• 35:11
  college.
• 35:12
  Like,
• 35:13
  what
• 35:13
  are
• 35:13
  the
• 35:13
  best
• 35:14
  ways
• 35:14
  that
• 35:14
  we
• 35:14
  can
• 35:15
  prepare
• 35:15
  for
• 35:15
  those
• 35:15
  things?
• 35:16
  Like,
• 35:16
  are
• 35:16
  there
• 35:16
  special
• 35:17
  accounts
• 35:17
  that
• 35:17
  we
• 35:17
  should
• 35:18
  have?
• 35:18
  Are
• 35:18
  there,
• 35:19
  you
• 35:19
  know,
• 35:19
  places
• 35:20
  where
• 35:20
  we
• 35:20
  should
• 35:20
  be
• 35:20
  putting
• 35:21
  our
• 35:21
  money
• 35:21
  in
• 35:21
  preparation
• 35:22
  for
• 35:22
  those
• 35:22
  things?
• 35:23
  Even
• 35:23
  our
• 35:23
  own
• 35:24
  retirement,
• 35:25
  you
• 35:25
  know,
• 35:25
  because
• 35:26
  that's
• 35:26
  also
• 35:26
  not
• 35:27
  in
• 35:27
  midlife.
• 35:27
  Not
• 35:28
  too
• 35:28
  far
• 35:28
  off.
• 35:29
  Yeah.
• 35:29
  I
• 35:29
  call
• 35:29
  retirement
• 35:30
  work
• 35:30
  optional.
• 35:32
  Because,
• 35:33
  you
• 35:33
  know,
• 35:33
  it's
• 35:33
  like,
• 35:34
  especially
• 35:34
  with
• 35:34
  midlife.
• 35:35
  Like,
• 35:35
  sometimes,
• 35:36
  you
• 35:36
  know,
• 35:36
  I'll
• 35:36
  meet
• 35:37
  people
• 35:37
  that
• 35:37
  are
• 35:37
  55
• 35:38
  and
• 35:38
  they're
• 35:38
  like,
• 35:38
  I'm
• 35:38
  ready
• 35:39
  to
• 35:39
  be
• 35:39
  done
• 35:39
  yesterday.
• 35:39
  And
• 35:39
  then
• 35:39
  some
• 35:40
  people
• 35:40
  that
• 35:40
  are
• 35:40
  like,
• 35:40
  I'm
• 35:40
  never
• 35:40
  gonna
• 35:41
  stop
• 35:41
  working.
• 35:41
  And
• 35:41
  neither
• 35:42
  of
• 35:42
  those
• 35:42
  things
• 35:42
  are
• 35:42
  true.
• 35:43
  So,
• 35:44
  you
• 35:44
  know,
• 35:44
  in
• 35:45
  retirement
• 35:45
  for
• 35:46
  our
• 35:46
  parents,
• 35:46
  it
• 35:46
  was
• 35:47
  like,
• 35:47
  woohoo.
• 35:48
  IBM,
• 35:48
  40
• 35:48
  years
• 35:49
  pension.
• 35:50
  You
• 35:50
  know,
• 35:51
  where's
• 35:51
  the
• 35:51
  kid
• 35:51
  on
• 35:51
  the
• 35:51
  bike?
• 35:52
  I
• 35:52
  have
• 35:52
  my
• 35:52
  Arnold
• 35:52
  Palmer.
• 35:53
  I'm
• 35:53
  waving,
• 35:53
  I'm
• 35:53
  walking
• 35:54
  my
• 35:54
  dog.
• 35:54
  Like,
• 35:54
  that's
• 35:55
  not
• 35:55
  how
• 35:55
  life
• 35:55
  is
• 35:56
  anymore.
• 35:56
  Like,
• 35:56
  you
• 35:57
  know,
• 35:57
  that's.
• 35:57
  We're
• 35:58
  so
• 35:58
  dimensional
• 35:58
  and
• 35:59
  so
• 35:59
  dynamic.
• 35:59
  And
• 36:00
  so,
• 36:00
  you
• 36:01
  know,
• 36:01
  I
• 36:01
  call
• 36:01
  it
• 36:01
  change
• 36:02
  of
• 36:02
  pace
• 36:02
  or
• 36:02
  work
• 36:03
  optional.
• 36:03
  So
• 36:03
  at
• 36:03
  some
• 36:03
  point,
• 36:04
  Roxy,
• 36:05
  I'll
• 36:05
  use
• 36:05
  you.
• 36:05
  You're
• 36:06
  going
• 36:06
  to
• 36:06
  want
• 36:06
  to
• 36:06
  be
• 36:06
  work
• 36:06
  optional.
• 36:07
  Now,
• 36:08
  you
• 36:08
  love
• 36:09
  what
• 36:09
  you're
• 36:09
  doing,
• 36:09
  so
• 36:09
  you
• 36:10
  might
• 36:10
  keep
• 36:10
  doing
• 36:10
  this
• 36:11
  forever
• 36:11
  or
• 36:11
  you
• 36:11
  wouldn't
• 36:12
  be
• 36:12
  doing
• 36:12
  it
• 36:12
  right.
• 36:12
  And
• 36:13
  so
• 36:13
  there
• 36:13
  is
• 36:13
  a
• 36:14
  point
• 36:14
  at
• 36:14
  which
• 36:15
  I
• 36:15
  want
• 36:15
  my
• 36:16
  clients
• 36:16
  to
• 36:16
  have
• 36:16
  the
• 36:16
  choice
• 36:17
  to
• 36:17
  stop
• 36:17
  working.
• 36:18
  You
• 36:18
  know,
• 36:18
  but
• 36:18
  they
• 36:18
  don't
• 36:19
  have
• 36:19
  to
• 36:19
  stop
• 36:19
  working.
• 36:20
  So
• 36:20
  maybe
• 36:21
  they
• 36:21
  want
• 36:21
  to,
• 36:21
  you
• 36:21
  know,
• 36:21
  give.
• 36:22
  Not
• 36:23
  make
• 36:23
  as
• 36:23
  much
• 36:23
  money
• 36:23
  and
• 36:24
  hustle
• 36:24
  as
• 36:24
  much
• 36:24
  at
• 36:24
  their
• 36:25
  W2
• 36:25
  job
• 36:25
  at
• 36:26
  Netflix
• 36:26
  or
• 36:26
  for
• 36:27
  whatever,
• 36:27
  but.
• 36:27
  And
• 36:27
  they
• 36:27
  want
• 36:28
  to
• 36:28
  be
• 36:28
  on
• 36:28
  a
• 36:28
  board
• 36:28
  or
• 36:28
  cons.
• 36:29
  And
• 36:29
  so,
• 36:29
  you
• 36:30
  know,
• 36:30
  I
• 36:30
  think
• 36:30
  it's
• 36:30
  really
• 36:30
  important
• 36:31
  for,
• 36:31
  you
• 36:32
  know,
• 36:32
  on
• 36:32
  the
• 36:32
  retirement
• 36:32
  side
• 36:33
  to
• 36:33
  think
• 36:33
  about,
• 36:34
  you
• 36:34
  know,
• 36:34
  what's
• 36:35
  possible
• 36:35
  for
• 36:36
  me
• 36:36
  a
• 36:36
  lot
• 36:36
  of
• 36:37
  the
• 36:37
  time
• 36:37
  with
• 36:37
  these
• 36:38
  women.
• 36:38
  And,
• 36:39
  you
• 36:39
  know,
• 36:40
  I'm
• 36:40
  43,
• 36:41
  so,
• 36:41
  like,
• 36:41
  you
• 36:41
  know,
• 36:41
  but,
• 36:41
  like,
• 36:42
  the
• 36:42
  45
• 36:42
  to
• 36:42
  55,
• 36:43
  like,
• 36:44
  it's
• 36:44
  unbelievable
• 36:45
  how
• 36:45
  much
• 36:45
  they've
• 36:46
  accumulated,
• 36:46
  how
• 36:47
  great
• 36:47
  they've
• 36:47
  done,
• 36:48
  and
• 36:48
  how
• 36:48
  little
• 36:49
  they
• 36:49
  believe
• 36:49
  that
• 36:50
  they
• 36:50
  have.
• 36:51
  Like,
• 36:51
  they
• 36:51
  still
• 36:52
  believe
• 36:53
  that
• 36:54
  they
• 36:54
  don't
• 36:54
  have
• 36:54
  enough.
• 36:55
  And
• 36:55
  I'm
• 36:55
  like,
• 36:56
  I'm
• 36:56
  showing
• 36:56
  you
• 36:56
  mathematical
• 36:58
  forecasts
• 36:59
  and
• 36:59
  they,
• 37:00
  it
• 37:00
  takes
• 37:00
  them
• 37:01
  months,
• 37:01
  if
• 37:02
  not
• 37:02
  years
• 37:02
  to
• 37:03
  actually
• 37:03
  believe
• 37:04
  that
• 37:04
  they're
• 37:04
  safe.
• 37:05
  Wow.
• 37:06
  I
• 37:06
  think
• 37:06
  that
• 37:06
  is
• 37:07
  so
• 37:07
  fascinating
• 37:07
  because,
• 37:08
  like
• 37:08
  you're
• 37:08
  saying
• 37:08
  these
• 37:08
  women
• 37:09
  are
• 37:09
  like,
• 37:09
  successful,
• 37:10
  you
• 37:10
  know,
• 37:11
  they
• 37:11
  have
• 37:11
  all
• 37:11
  the
• 37:12
  things,
• 37:12
  like,
• 37:12
  they've
• 37:12
  done
• 37:13
  well
• 37:13
  for
• 37:13
  themselves.
• 37:13
  Like,
• 37:14
  so
• 37:15
  why
• 37:15
  is
• 37:15
  that?
• 37:16
  Why
• 37:16
  do
• 37:16
  they
• 37:17
  have
• 37:17
  this,
• 37:17
  like,
• 37:18
  block
• 37:18
  when
• 37:18
  it
• 37:19
  comes
• 37:19
  to
• 37:19
  that?
• 37:19
  And
• 37:19
  what
• 37:20
  are
• 37:20
  the,
• 37:21
  the
• 37:21
  biggest
• 37:21
  mistakes
• 37:22
  that
• 37:22
  they
• 37:22
  are
• 37:22
  making
• 37:22
  as
• 37:23
  it
• 37:23
  relates
• 37:23
  to,
• 37:24
  you
• 37:24
  know,
• 37:24
  financial
• 37:24
  planning?
• 37:25
  I
• 37:25
  mean,
• 37:25
  we
• 37:26
  go,
• 37:26
  they
• 37:26
  go
• 37:26
  to
• 37:27
  worst
• 37:28
  case
• 37:28
  scenario,
• 37:28
  what
• 37:28
  if
• 37:28
  I
• 37:29
  lose
• 37:29
  my
• 37:29
  job?
• 37:30
  What
• 37:30
  if,
• 37:30
  you
• 37:30
  know,
• 37:30
  and
• 37:31
  what
• 37:31
  if
• 37:31
  I'm
• 37:31
  never
• 37:31
  able
• 37:31
  to
• 37:32
  get
• 37:32
  a
• 37:32
  job
• 37:32
  again?
• 37:32
  And
• 37:32
  I'll
• 37:33
  say,
• 37:33
  well,
• 37:33
  have
• 37:33
  you
• 37:33
  ever
• 37:34
  been
• 37:34
  unemployed
• 37:35
  for
• 37:35
  more
• 37:35
  than
• 37:36
  six
• 37:36
  months?
• 37:36
  12.
• 37:37
  Well,
• 37:37
  no.
• 37:37
  No.
• 37:38
  And
• 37:38
  you've
• 37:38
  been
• 37:38
  working
• 37:38
  for
• 37:39
  how
• 37:39
  long?
• 37:39
  35
• 37:39
  or
• 37:39
  40
• 37:40
  years.
• 37:40
  Okay,
• 37:41
  got
• 37:41
  it.
• 37:41
  So
• 37:42
  if
• 37:42
  that
• 37:42
  happens,
• 37:42
  we'll
• 37:42
  have
• 37:43
  a
• 37:43
  plan
• 37:43
  because
• 37:43
  we
• 37:43
  have
• 37:43
  that
• 37:44
  safe
• 37:44
  bucket
• 37:44
  of
• 37:44
  capital.
• 37:45
  But
• 37:45
  let's
• 37:45
  not
• 37:45
  plan
• 37:45
  for
• 37:46
  it
• 37:46
  now.
• 37:46
  They
• 37:47
  plan
• 37:47
  for
• 37:47
  like,
• 37:47
  well,
• 37:48
  what
• 37:48
  if
• 37:48
  this,
• 37:48
  what
• 37:48
  if
• 37:48
  that?
• 37:49
  And
• 37:49
  they,
• 37:49
  and
• 37:49
  it's
• 37:49
  like
• 37:50
  the
• 37:51
  1%
• 37:52
  chance
• 37:52
  that
• 37:52
  something's
• 37:53
  going
• 37:53
  to
• 37:53
  happen.
• 37:53
  They're
• 37:54
  putting
• 37:54
  faith
• 37:54
  in
• 37:54
  that
• 37:55
  1%
• 37:55
  with
• 37:55
  80%
• 37:56
  of
• 37:56
  their
• 37:56
  thoughts
• 37:56
  and
• 37:56
  action.
• 37:57
  So
• 37:58
  we
• 37:58
  have
• 37:58
  to
• 37:58
  have
• 37:58
  a
• 37:58
  plan
• 37:58
  for
• 37:59
  that,
• 37:59
  but
• 37:59
  it's
• 37:59
  not
• 37:59
  the
• 38:00
  plan.
• 38:01
  Right.
• 38:01
  And
• 38:01
  I
• 38:01
  think
• 38:01
  that's
• 38:02
  a
• 38:02
  huge,
• 38:02
  huge
• 38:03
  part
• 38:03
  of
• 38:03
  it.
• 38:04
  And
• 38:04
  coupled
• 38:04
  with
• 38:04
  the
• 38:05
  fact
• 38:05
  that
• 38:06
  their
• 38:06
  entire
• 38:07
  relationship
• 38:08
  with
• 38:08
  money
• 38:09
  has
• 38:09
  been
• 38:09
  often
• 38:10
  from
• 38:10
  a
• 38:10
  place
• 38:11
  of
• 38:12
  denial,
• 38:12
  shame,
• 38:13
  frustration,
• 38:13
  really
• 38:14
  not
• 38:14
  understanding
• 38:14
  it,
• 38:15
  being
• 38:15
  taught
• 38:15
  it's
• 38:16
  taboo
• 38:16
  to
• 38:16
  talk
• 38:16
  about,
• 38:18
  feeling
• 38:18
  heavy
• 38:18
  about
• 38:19
  it.
• 38:20
  They
• 38:20
  probably
• 38:20
  all
• 38:20
  have
• 38:20
  financial
• 38:21
  advisors
• 38:21
  or
• 38:21
  many
• 38:22
  of
• 38:22
  them
• 38:22
  do,
• 38:22
  but
• 38:22
  they
• 38:23
  don't
• 38:23
  like
• 38:23
  them.
• 38:24
  They
• 38:24
  don't
• 38:25
  even
• 38:25
  know
• 38:25
  what
• 38:25
  they're
• 38:25
  missing.
• 38:26
  And
• 38:26
  so,
• 38:27
  you
• 38:27
  know,
• 38:27
  part
• 38:28
  of
• 38:28
  our
• 38:28
  mission
• 38:28
  at
• 38:28
  Ripple
• 38:29
  is
• 38:29
  like
• 38:29
  to,
• 38:29
  like
• 38:30
  I
• 38:30
  said,
• 38:30
  to
• 38:30
  make
• 38:31
  you
• 38:31
  have
• 38:31
  more
• 38:31
  money
• 38:31
  than
• 38:31
  you've
• 38:32
  ever
• 38:32
  had.
• 38:32
  You're
• 38:32
  making
• 38:33
  more
• 38:33
  money
• 38:33
  than
• 38:33
  you
• 38:33
  ever
• 38:33
  had.
• 38:34
  You
• 38:34
  have
• 38:34
  more
• 38:34
  choices
• 38:35
  than
• 38:35
  you've
• 38:35
  ever
• 38:36
  had.
• 38:37
  So
• 38:37
  let's
• 38:37
  create
• 38:38
  and
• 38:39
  have
• 38:39
  fun
• 38:39
  and
• 38:39
  make
• 38:40
  this
• 38:40
  adventurous.
• 38:40
  What
• 38:41
  do
• 38:41
  you
• 38:41
  want?
• 38:42
  Why
• 38:42
  do
• 38:43
  you
• 38:43
  need
• 38:43
  to
• 38:43
  wait
• 38:43
  till
• 38:43
  60
• 38:44
  to
• 38:44
  go
• 38:44
  to
• 38:44
  Africa
• 38:45
  when
• 38:45
  you
• 38:45
  retire
• 38:45
  if
• 38:45
  you
• 38:46
  can
• 38:46
  do
• 38:46
  it
• 38:46
  at
• 38:46
  55?
• 38:48
  What
• 38:48
  are
• 38:48
  we
• 38:48
  waiting
• 38:48
  for
• 38:49
  to
• 38:49
  experience
• 38:50
  and
• 38:50
  accelerate
• 38:51
  joy,
• 38:52
  you
• 38:52
  know,
• 38:52
  and
• 38:52
  showing
• 38:53
  them
• 38:53
  the
• 38:53
  math,
• 38:54
  because
• 38:54
  once
• 38:55
  they
• 38:55
  see
• 38:55
  it
• 38:55
  and
• 38:55
  experience
• 38:56
  it,
• 38:57
  you
• 38:57
  know,
• 38:57
  it
• 38:57
  takes
• 38:58
  time
• 38:58
  for
• 38:58
  them
• 38:58
  to
• 38:58
  really
• 38:59
  think,
• 38:59
  you
• 38:59
  know,
• 38:59
  what
• 38:59
  I've
• 39:00
  done
• 39:00
  really
• 39:00
  well
• 39:00
  and
• 39:01
  I
• 39:01
  am
• 39:01
  safe
• 39:02
  and
• 39:02
  I
• 39:03
  understand
• 39:03
  that
• 39:03
  if
• 39:03
  I.
• 39:04
  Some
• 39:04
  of
• 39:04
  the
• 39:04
  mistakes,
• 39:05
  if
• 39:05
  I
• 39:05
  keep
• 39:06
  35%
• 39:07
  of
• 39:07
  my
• 39:07
  net
• 39:07
  worth
• 39:08
  in
• 39:08
  cash,
• 39:09
  I
• 39:09
  will
• 39:10
  not
• 39:10
  be
• 39:10
  able
• 39:11
  to
• 39:11
  maintain
• 39:12
  joy
• 39:13
  and
• 39:13
  to
• 39:13
  maintain
• 39:14
  the
• 39:14
  lifestyle
• 39:14
  I
• 39:14
  want
• 39:15
  to
• 39:15
  have.
• 39:15
  They
• 39:15
  get
• 39:15
  it
• 39:16
  because
• 39:16
  I
• 39:16
  show
• 39:16
  them
• 39:18
  historical
• 39:18
  data.
• 39:19
  This
• 39:19
  Is
• 39:19
  what
• 39:20
  can
• 39:20
  happen
• 39:20
  with
• 39:20
  this?
• 39:20
  This
• 39:21
  is,
• 39:21
  you
• 39:21
  know,
• 39:22
  and
• 39:23
  then
• 39:23
  they're
• 39:23
  like,
• 39:23
  oh,
• 39:24
  I
• 39:24
  get
• 39:24
  it.
• 39:25
  Let's
• 39:26
  go.
• 39:26
  Yeah.
• 39:27
  As
• 39:27
  they
• 39:28
  should
• 39:28
  and
• 39:28
  live
• 39:28
  the
• 39:28
  life,
• 39:29
  you
• 39:29
  know,
• 39:29
  and.
• 39:30
  And
• 39:30
  I
• 39:31
  think
• 39:31
  a
• 39:31
  lot
• 39:31
  of
• 39:31
  it,
• 39:31
  too,
• 39:32
  is
• 39:32
  like,
• 39:32
  there's
• 39:33
  some
• 39:33
  kind
• 39:34
  of
• 39:34
  a
• 39:34
  thing,
• 39:34
  like,
• 39:35
  you're
• 39:35
  saying
• 39:35
  we
• 39:35
  didn't
• 39:35
  grow
• 39:36
  up
• 39:36
  learning
• 39:37
  about
• 39:37
  money
• 39:37
  and,
• 39:37
  like,
• 39:38
  financial
• 39:38
  literacy,
• 39:39
  and
• 39:39
  frankly,
• 39:40
  we
• 39:40
  were
• 39:40
  kind
• 39:40
  of
• 39:40
  told
• 39:41
  not
• 39:41
  to
• 39:41
  talk
• 39:41
  about
• 39:41
  money
• 39:42
  because
• 39:42
  it's
• 39:42
  gauche
• 39:43
  or
• 39:43
  it's,
• 39:43
  like,
• 39:43
  tacky,
• 39:44
  you
• 39:44
  know,
• 39:45
  like,
• 39:46
  shouldn't
• 39:46
  want
• 39:46
  to
• 39:46
  go.
• 39:47
  Let
• 39:47
  you.
• 39:47
  That
• 39:47
  shouldn't
• 39:48
  be,
• 39:48
  like,
• 39:48
  your
• 39:48
  goal.
• 39:49
  You
• 39:49
  should
• 39:49
  want
• 39:49
  to
• 39:49
  be,
• 39:50
  you
• 39:50
  know,
• 39:51
  serving
• 39:51
  others
• 39:52
  and,
• 39:52
  you
• 39:52
  know,
• 39:53
  making
• 39:53
  sure
• 39:53
  everyone
• 39:53
  else
• 39:53
  is
• 39:54
  okay.
• 39:54
  And
• 39:55
  like,
• 39:55
  oh,
• 39:55
  that's
• 39:56
  so
• 39:56
  gross
• 39:56
  that
• 39:56
  you
• 39:57
  just
• 39:57
  want
• 39:57
  to,
• 39:57
  you
• 39:57
  know,
• 39:57
  go
• 39:57
  for
• 39:58
  the
• 39:58
  money
• 39:58
  or
• 39:58
  what
• 39:58
  have
• 39:58
  you.
• 39:59
  Which
• 39:59
  I
• 39:59
  think
• 40:00
  has,
• 40:00
  like,
• 40:00
  done
• 40:00
  such
• 40:01
  a
• 40:01
  disservice
• 40:02
  for
• 40:02
  women,
• 40:02
  especially
• 40:03
  in
• 40:03
  our
• 40:04
  age
• 40:04
  group
• 40:04
  now,
• 40:04
  because
• 40:05
  it's
• 40:05
  like,
• 40:05
  we've
• 40:05
  gone
• 40:06
  through
• 40:06
  this
• 40:06
  programming,
• 40:07
  and
• 40:07
  it's
• 40:07
  interesting
• 40:08
  because
• 40:08
  I
• 40:08
  look
• 40:08
  at
• 40:08
  my
• 40:09
  daughter,
• 40:09
  and
• 40:10
  in
• 40:10
  her
• 40:10
  school,
• 40:11
  they
• 40:11
  teach
• 40:11
  financial
• 40:12
  literacy
• 40:12
  now,
• 40:13
  which
• 40:13
  is
• 40:13
  amazing.
• 40:14
  You
• 40:14
  know,
• 40:14
  I'm
• 40:14
  like,
• 40:15
  that's
• 40:15
  great
• 40:15
  that
• 40:16
  these
• 40:16
  kids
• 40:16
  are
• 40:17
  learning.
• 40:17
  But
• 40:17
  I
• 40:17
  think
• 40:18
  for
• 40:18
  us,
• 40:18
  it
• 40:18
  takes
• 40:18
  so
• 40:19
  much
• 40:19
  deprogramming
• 40:21
  of,
• 40:21
  like,
• 40:21
  you
• 40:22
  know,
• 40:22
  all
• 40:22
  of
• 40:23
  this.
• 40:23
  And
• 40:23
  frankly,
• 40:23
  I
• 40:24
  think
• 40:24
  it's
• 40:24
  fucking
• 40:24
  awesome
• 40:25
  if
• 40:25
  somebody
• 40:25
  is
• 40:26
  like,
• 40:26
  I'm
• 40:26
  gonna
• 40:26
  go
• 40:26
  out
• 40:27
  there,
• 40:27
  I'm
• 40:27
  gonna
• 40:27
  kill
• 40:27
  it.
• 40:27
  I'm
• 40:28
  gonna
• 40:28
  make,
• 40:28
  like,
• 40:29
  you
• 40:29
  know,
• 40:29
  whatever
• 40:29
  the
• 40:30
  number
• 40:30
  is.
• 40:31
  Right,
• 40:31
  Exactly.
• 40:32
  Like,
• 40:33
  why?
• 40:34
  Yes.
• 40:35
  Why
• 40:35
  should
• 40:35
  we
• 40:36
  feel
• 40:36
  guilty
• 40:36
  for
• 40:37
  wanting
• 40:37
  to
• 40:37
  be
• 40:38
  successful,
• 40:38
  you
• 40:39
  know,
• 40:39
  financially
• 40:40
  or
• 40:40
  otherwise?
• 40:41
  You
• 40:41
  know?
• 40:41
  Yeah,
• 40:42
  right.
• 40:43
  It's
• 40:43
  so
• 40:44
  true.
• 40:44
  You
• 40:44
  know,
• 40:44
  it's
• 40:44
  like.
• 40:45
  It's
• 40:46
  like,
• 40:46
  you
• 40:47
  know,
• 40:47
  we're
• 40:47
  working
• 40:47
  so
• 40:48
  hard.
• 40:48
  We're
• 40:48
  working
• 40:48
  so
• 40:49
  hard.
• 40:49
  We're
• 40:49
  putting
• 40:49
  in
• 40:49
  the
• 40:50
  time,
• 40:50
  we're
• 40:50
  hustling,
• 40:50
  but
• 40:51
  what
• 40:51
  are
• 40:51
  we
• 40:51
  actually
• 40:51
  working
• 40:52
  for?
• 40:53
  Validation,
• 40:54
  you
• 40:54
  know,
• 40:54
  whatever
• 40:55
  it
• 40:55
  is.
• 40:55
  But
• 40:55
  actually,
• 40:56
  money.
• 40:56
  That's
• 40:56
  what
• 40:57
  we're
• 40:57
  working
• 40:57
  for.
• 40:58
  Yet
• 40:59
  we
• 40:59
  don't
• 40:59
  take
• 41:00
  the
• 41:00
  time,
• 41:00
  even
• 41:01
  an
• 41:01
  hour,
• 41:01
  a
• 41:01
  quarter,
• 41:02
  an
• 41:02
  hour
• 41:02
  a
• 41:03
  year,
• 41:04
  to
• 41:04
  talk
• 41:04
  about
• 41:05
  our
• 41:05
  money
• 41:05
  and
• 41:05
  say,
• 41:06
  this
• 41:06
  is
• 41:07
  what
• 41:07
  my
• 41:07
  money
• 41:07
  is
• 41:08
  doing
• 41:08
  right
• 41:08
  now
• 41:09
  and
• 41:10
  this
• 41:10
  is
• 41:10
  the
• 41:10
  life
• 41:11
  I
• 41:11
  want
• 41:11
  to
• 41:11
  live.
• 41:11
  Which,
• 41:12
  by
• 41:12
  the
• 41:12
  way,
• 41:13
  part
• 41:13
  of
• 41:13
  what
• 41:13
  I
• 41:13
  do
• 41:13
  is
• 41:14
  cultivating
• 41:14
  clarity
• 41:14
  around
• 41:15
  that,
• 41:15
  because
• 41:15
  people
• 41:16
  don't
• 41:16
  really
• 41:16
  know,
• 41:16
  and
• 41:17
  they
• 41:17
  don't
• 41:17
  feel
• 41:17
  like
• 41:17
  they
• 41:17
  have
• 41:17
  permission
• 41:18
  to
• 41:18
  dream.
• 41:22
  And
• 41:22
  so
• 41:22
  this
• 41:22
  is
• 41:22
  where
• 41:22
  money
• 41:23
  and
• 41:23
  is
• 41:23
  that
• 41:23
  connected?
• 41:24
  Is
• 41:24
  there
• 41:24
  a
• 41:24
  cohesive
• 41:25
  plan
• 41:26
  of
• 41:26
  short
• 41:26
  term,
• 41:27
  midterm,
• 41:27
  long
• 41:27
  term,
• 41:27
  and
• 41:28
  retirement
• 41:28
  planning
• 41:31
  and
• 41:32
  just
• 41:32
  starting
• 41:32
  it,
• 41:33
  testing
• 41:33
  it.
• 41:33
  This
• 41:33
  is
• 41:33
  the
• 41:34
  other
• 41:34
  thing,
• 41:34
  too.
• 41:34
  It's
• 41:34
  like,
• 41:34
  well,
• 41:35
  if
• 41:35
  I
• 41:35
  do
• 41:36
  this,
• 41:36
  I
• 41:37
  make
• 41:37
  this
• 41:37
  choice.
• 41:38
  What
• 41:38
  if
• 41:38
  I
• 41:38
  don't
• 41:39
  like
• 41:39
  it,
• 41:40
  we'll
• 41:40
  just
• 41:41
  change.
• 41:42
  We'll
• 41:42
  change.
• 41:43
  Yes,
• 41:44
  there
• 41:45
  it
• 41:45
  is.
• 41:45
  Or
• 41:45
  we'll
• 41:46
  pull
• 41:46
  it
• 41:46
  out
• 41:46
  of
• 41:46
  the
• 41:46
  market.
• 41:47
  Or
• 41:47
  we'll,
• 41:47
  you
• 41:48
  know,
• 41:48
  like
• 41:49
  it's
• 41:49
  not,
• 41:50
  it's
• 41:50
  not
• 41:51
  a
• 41:51
  forever
• 41:51
  decision.
• 41:53
  Right,
• 41:53
  exactly.
• 41:54
  So
• 41:54
  with
• 41:55
  that,
• 41:55
  like,
• 41:56
  how
• 41:56
  often
• 41:56
  should
• 41:57
  we
• 41:57
  be
• 41:57
  checking
• 41:58
  in
• 41:59
  with
• 41:59
  our
• 42:00
  finances
• 42:00
  and
• 42:01
  like,
• 42:01
  should
• 42:01
  it
• 42:01
  be
• 42:02
  like
• 42:02
  a
• 42:02
  month,
• 42:02
  monthly?
• 42:03
  You
• 42:03
  know,
• 42:03
  something
• 42:03
  where
• 42:04
  we're
• 42:04
  like
• 42:04
  looking
• 42:04
  into
• 42:05
  things
• 42:05
  monthly
• 42:05
  or
• 42:06
  more
• 42:06
  often
• 42:06
  or
• 42:07
  less
• 42:07
  often?
• 42:07
  Like,
• 42:08
  what
• 42:08
  is
• 42:08
  a
• 42:08
  good
• 42:08
  barometer
• 42:09
  for
• 42:09
  that
• 42:10
  monthly
• 42:11
  is
• 42:11
  setting
• 42:11
  up
• 42:12
  for
• 42:12
  failure?
• 42:13
  Because
• 42:14
  people
• 42:14
  aren't
• 42:14
  going
• 42:14
  to
• 42:14
  do
• 42:15
  that,
• 42:16
  I
• 42:16
  would
• 42:16
  say,
• 42:17
  you
• 42:17
  know,
• 42:19
  I
• 42:19
  mean,
• 42:19
  it
• 42:19
  depends
• 42:20
  if
• 42:20
  you
• 42:20
  have
• 42:20
  a
• 42:20
  financial
• 42:20
  planner.
• 42:21
  If
• 42:21
  you
• 42:21
  don't
• 42:21
  have
• 42:21
  a
• 42:21
  financial
• 42:22
  planner,
• 42:22
  through
• 42:22
  what
• 42:23
  lens
• 42:23
  do
• 42:23
  you
• 42:23
  want
• 42:23
  me
• 42:23
  to
• 42:24
  kind
• 42:24
  of
• 42:24
  give
• 42:25
  you
• 42:25
  thoughts
• 42:25
  on
• 42:25
  that?
• 42:26
  Oh,
• 42:26
  that's
• 42:26
  a
• 42:27
  good
• 42:27
  point.
• 42:27
  Well,
• 42:27
  first
• 42:28
  off,
• 42:28
  I
• 42:28
  guess
• 42:28
  another,
• 42:29
  another
• 42:29
  good
• 42:30
  resource
• 42:30
  would
• 42:30
  be
• 42:31
  like
• 42:31
  the
• 42:31
  best
• 42:31
  way
• 42:32
  to
• 42:32
  find
• 42:32
  a
• 42:32
  financial
• 42:33
  planner.
• 42:33
  Also,
• 42:35
  I
• 42:35
  would
• 42:35
  imagine
• 42:36
  that
• 42:36
  anybody
• 42:37
  in
• 42:37
  any
• 42:37
  sort
• 42:37
  of
• 42:38
  investment
• 42:40
  value
• 42:40
  portfolio
• 42:41
  should
• 42:42
  have
• 42:42
  some
• 42:42
  sort
• 42:43
  of
• 42:43
  either
• 42:43
  a
• 42:43
  financial
• 42:44
  planner
• 42:44
  or
• 42:45
  somebody
• 42:45
  that
• 42:45
  can
• 42:45
  like
• 42:46
  advise
• 42:47
  them
• 42:47
  about
• 42:47
  what
• 42:47
  to
• 42:48
  do,
• 42:48
  because
• 42:48
  it's
• 42:48
  not.
• 42:49
  How
• 42:49
  are
• 42:49
  they
• 42:49
  going
• 42:50
  to
• 42:50
  know,
• 42:50
  you
• 42:50
  know,
• 42:51
  really
• 42:51
  where
• 42:51
  to
• 42:51
  jump
• 42:51
  in
• 42:52
  and
• 42:52
  do
• 42:52
  all
• 42:52
  the
• 42:52
  things.
• 42:52
  So
• 42:53
  first
• 42:53
  off,
• 42:53
  I
• 42:53
  think
• 42:54
  probably
• 42:54
  maybe
• 42:54
  that's
• 42:55
  also
• 42:55
  like
• 42:55
  a
• 42:55
  misconception
• 42:56
  is
• 42:56
  that
• 42:57
  people
• 42:57
  think,
• 42:57
  oh,
• 42:57
  I
• 42:57
  need
• 42:58
  to
• 42:58
  have
• 42:58
  X
• 42:58
  amount
• 42:59
  of
• 42:59
  wealth
• 42:59
  to
• 42:59
  have
• 43:00
  a
• 43:00
  financial
• 43:00
  planner.
• 43:01
  But
• 43:01
  that
• 43:02
  might
• 43:02
  not
• 43:02
  necessarily
• 43:03
  be
• 43:03
  true.
• 43:03
  Right.
• 43:03
  It
• 43:04
  really
• 43:04
  isn't.
• 43:04
  I
• 43:04
  mean,
• 43:04
  there's
• 43:05
  different,
• 43:06
  there's
• 43:06
  all
• 43:06
  different
• 43:06
  types
• 43:07
  of
• 43:08
  partnerships.
• 43:08
  Compensation
• 43:09
  structure.
• 43:10
  The
• 43:11
  most
• 43:11
  common
• 43:11
  way
• 43:11
  in
• 43:12
  which
• 43:12
  financial
• 43:12
  advisors
• 43:12
  are
• 43:13
  compensated
• 43:13
  is
• 43:13
  a
• 43:13
  percentage
• 43:14
  of
• 43:14
  the
• 43:15
  assets,
• 43:15
  the
• 43:16
  accounts
• 43:16
  they
• 43:16
  manage
• 43:16
  for
• 43:17
  you,
• 43:17
  and
• 43:17
  that
• 43:18
  is
• 43:18
  to
• 43:18
  serve
• 43:18
  the
• 43:18
  top
• 43:19
  1%.
• 43:20
  Because
• 43:21
  if
• 43:21
  you
• 43:22
  want
• 43:22
  a
• 43:22
  really
• 43:22
  good
• 43:22
  team
• 43:23
  that's
• 43:23
  actually
• 43:23
  going
• 43:24
  to
• 43:24
  be
• 43:24
  proactive
• 43:24
  and
• 43:24
  guide
• 43:25
  you,
• 43:25
  then
• 43:25
  they're
• 43:26
  going
• 43:26
  to
• 43:26
  say,
• 43:26
  oh
• 43:26
  my
• 43:26
  God,
• 43:27
  Roxy,
• 43:27
  you're
• 43:27
  so
• 43:28
  amazing.
• 43:28
  But
• 43:28
  if
• 43:28
  you
• 43:28
  don't
• 43:28
  have
• 43:29
  a
• 43:29
  million
• 43:29
  dollars
• 43:29
  for
• 43:30
  us
• 43:30
  to
• 43:30
  charge
• 43:30
  you
• 43:30
  1%
• 43:31
  and
• 43:31
  make
• 43:31
  10,000
• 43:32
  a
• 43:32
  year
• 43:32
  on
• 43:32
  like,
• 43:33
  come
• 43:33
  back
• 43:33
  when
• 43:33
  you
• 43:33
  do,
• 43:34
  like,
• 43:34
  bye.
• 43:35
  Like,
• 43:36
  so,
• 43:36
  so,
• 43:37
  you
• 43:37
  know,
• 43:37
  a
• 43:37
  lot
• 43:37
  of
• 43:37
  people
• 43:37
  are
• 43:37
  shut
• 43:38
  out
• 43:38
  from
• 43:38
  that,
• 43:38
  but
• 43:38
  the
• 43:38
  models
• 43:39
  are
• 43:39
  changing.
• 43:40
  So
• 43:41
  everything
• 43:41
  from,
• 43:42
  you
• 43:43
  know,
• 43:43
  little,
• 43:44
  like
• 43:44
  monthly,
• 43:45
  you
• 43:45
  know,
• 43:46
  25,
• 43:46
  50
• 43:47
  bucks
• 43:47
  a
• 43:47
  month
• 43:47
  for
• 43:47
  kind
• 43:48
  of,
• 43:48
  you
• 43:48
  know,
• 43:48
  software
• 43:49
  that
• 43:49
  kind
• 43:49
  of
• 43:49
  helps
• 43:49
  you
• 43:49
  get
• 43:49
  organized.
• 43:51
  Then,
• 43:51
  you
• 43:51
  know,
• 43:52
  the
• 43:52
  kind
• 43:53
  of
• 43:53
  new
• 43:53
  emerging
• 43:54
  model
• 43:54
  is
• 43:54
  what's
• 43:54
  called
• 43:54
  fee
• 43:55
  based
• 43:55
  planning.
• 43:55
  And
• 43:56
  it
• 43:56
  really
• 43:56
  democratizes,
• 43:57
  I
• 43:57
  mean,
• 43:58
  democratizes
• 43:59
  the
• 43:59
  financial
• 43:59
  planning
• 43:59
  system
• 44:00
  space.
• 44:01
  So
• 44:01
  those
• 44:01
  that,
• 44:02
  you
• 44:02
  know,
• 44:02
  there's
• 44:03
  a,
• 44:03
  there's
• 44:03
  a
• 44:03
  type
• 44:03
  of
• 44:03
  client
• 44:04
  that
• 44:04
  I
• 44:04
  really
• 44:05
  love
• 44:05
  working
• 44:05
  with
• 44:06
  which
• 44:06
  is,
• 44:07
  you
• 44:07
  know,
• 44:08
  first
• 44:08
  time
• 44:08
  somethings,
• 44:09
  first
• 44:09
  time,
• 44:09
  seven
• 44:10
  figure
• 44:10
  first
• 44:11
  time
• 44:11
  this
• 44:11
  first
• 44:11
  Gen
• 44:12
  college.
• 44:12
  Like,
• 44:12
  you
• 44:13
  know,
• 44:13
  these,
• 44:13
  these
• 44:14
  individuals
• 44:14
  that
• 44:15
  have
• 44:15
  this
• 44:15
  ambition
• 44:16
  and
• 44:16
  drive
• 44:16
  and
• 44:17
  hustle
• 44:17
  and
• 44:17
  like,
• 44:18
  you
• 44:18
  know,
• 44:18
  and
• 44:18
  maybe,
• 44:19
  you
• 44:19
  know,
• 44:19
  they're,
• 44:19
  they're
• 44:20
  close
• 44:20
  to
• 44:21
  a
• 44:21
  million
• 44:21
  or
• 44:21
  they've
• 44:22
  got,
• 44:22
  you
• 44:22
  know,
• 44:22
  high
• 44:23
  six
• 44:23
  figures
• 44:23
  or
• 44:24
  mid
• 44:24
  six
• 44:24
  figures
• 44:25
  and
• 44:25
  they
• 44:25
  have
• 44:26
  tremendous
• 44:26
  capacity
• 44:27
  to
• 44:27
  get
• 44:27
  to
• 44:28
  1,
• 44:28
  2,
• 44:28
  3,
• 44:29
  4,
• 44:29
  whatever
• 44:30
  it
• 44:30
  is,
• 44:30
  but
• 44:31
  they
• 44:31
  don't
• 44:32
  have
• 44:32
  the
• 44:32
  resources
• 44:32
  or
• 44:33
  the
• 44:33
  ability
• 44:33
  to
• 44:34
  understand
• 44:34
  how
• 44:34
  to
• 44:34
  do
• 44:34
  that.
• 44:35
  And
• 44:35
  so
• 44:35
  fee
• 44:36
  based
• 44:36
  planning
• 44:36
  is
• 44:36
  a
• 44:37
  really
• 44:37
  great
• 44:37
  way
• 44:37
  for
• 44:38
  if
• 44:38
  you
• 44:38
  don't
• 44:38
  have
• 44:39
  500,000
• 44:40
  or
• 44:40
  a
• 44:40
  million
• 44:40
  yet
• 44:41
  and
• 44:41
  you
• 44:41
  have
• 44:41
  50,000
• 44:41
  or
• 44:42
  100,000,
• 44:43
  you
• 44:43
  can
• 44:43
  hire
• 44:43
  someone,
• 44:44
  pay
• 44:44
  them
• 44:44
  a
• 44:44
  flat
• 44:44
  fee
• 44:45
  for
• 44:45
  their
• 44:45
  advice
• 44:46
  and
• 44:46
  counsel.
• 44:47
  Maybe
• 44:47
  it's
• 44:47
  anywhere
• 44:48
  from,
• 44:48
  you
• 44:48
  know,
• 44:49
  500
• 44:49
  bucks
• 44:50
  a
• 44:50
  year
• 44:50
  to
• 44:50
  6,000
• 44:51
  bucks
• 44:51
  a
• 44:51
  year
• 44:52
  to
• 44:52
  plus.
• 44:53
  So
• 44:53
  like
• 44:53
  want
• 44:53
  to
• 44:54
  look
• 44:54
  up
• 44:54
  like
• 44:54
  fee
• 44:55
  based
• 44:55
  or
• 44:56
  fee
• 44:56
  only.
• 44:56
  Planners,
• 44:57
  you
• 44:58
  know,
• 44:58
  aren't
• 44:58
  just
• 44:58
  going
• 44:59
  to
• 44:59
  make
• 44:59
  commission
• 44:59
  on
• 44:59
  your
• 45:00
  total
• 45:00
  net
• 45:01
  worth
• 45:01
  and
• 45:01
  not
• 45:02
  value
• 45:02
  you
• 45:03
  or
• 45:03
  your
• 45:03
  life
• 45:03
  or
• 45:03
  your
• 45:04
  potential
• 45:04
  until
• 45:04
  you're
• 45:05
  at
• 45:05
  a
• 45:05
  million.
• 45:06
  That's
• 45:06
  a
• 45:06
  really
• 45:07
  great
• 45:07
  place
• 45:07
  to
• 45:07
  start.
• 45:08
  That's
• 45:09
  a
• 45:09
  good
• 45:09
  point.
• 45:09
  I
• 45:10
  love
• 45:10
  how
• 45:10
  you
• 45:10
  refer
• 45:11
  to
• 45:11
  yourself
• 45:11
  as
• 45:11
  a
• 45:12
  financial
• 45:12
  life
• 45:13
  designer.
• 45:13
  Now
• 45:14
  how
• 45:14
  is
• 45:15
  that
• 45:15
  different
• 45:15
  than
• 45:15
  a
• 45:16
  financial
• 45:16
  planner?
• 45:17
  First
• 45:17
  of
• 45:17
  all,
• 45:17
  you're
• 45:18
  right,
• 45:18
  it
• 45:18
  does
• 45:18
  sound
• 45:19
  more
• 45:19
  sexy,
• 45:20
  you
• 45:20
  know,
• 45:20
  like
• 45:20
  making
• 45:21
  like
• 45:21
  finances
• 45:22
  sexy.
• 45:22
  I'm
• 45:22
  like,
• 45:22
  definitely,
• 45:23
  yes,
• 45:26
  yes.
• 45:26
  How
• 45:26
  does
• 45:27
  that,
• 45:27
  how
• 45:27
  does
• 45:27
  that
• 45:27
  differ
• 45:28
  from
• 45:28
  a
• 45:28
  typical
• 45:29
  financial
• 45:29
  planner?
• 45:30
  Well,
• 45:30
  so
• 45:31
  there's
• 45:31
  so
• 45:31
  many
• 45:31
  names,
• 45:32
  a
• 45:32
  financial
• 45:32
  planner,
• 45:33
  wealth
• 45:33
  management
• 45:33
  advisor,
• 45:34
  financial
• 45:34
  representative,
• 45:36
  you
• 45:36
  know,
• 45:36
  all
• 45:37
  these
• 45:37
  different
• 45:37
  things
• 45:38
  that
• 45:38
  make
• 45:39
  it
• 45:39
  so
• 45:39
  confusing
• 45:39
  for
• 45:40
  the
• 45:40
  consumer.
• 45:41
  So
• 45:42
  I
• 45:42
  think
• 45:42
  one
• 45:43
  of
• 45:43
  the
• 45:43
  most
• 45:43
  important
• 45:43
  things,
• 45:44
  if
• 45:44
  you
• 45:44
  want
• 45:44
  a
• 45:45
  really
• 45:45
  quality,
• 45:46
  holistic
• 45:48
  financial
• 45:48
  life
• 45:48
  designer,
• 45:49
  financial
• 45:49
  planner,
• 45:50
  you
• 45:50
  want
• 45:50
  someone
• 45:51
  that
• 45:51
  has
• 45:51
  the
• 45:51
  CFP,
• 45:52
  a
• 45:52
  certified
• 45:53
  financial
• 45:53
  planner.
• 45:54
  CFP.
• 45:55
  I
• 45:55
  have
• 45:55
  that.
• 45:56
  About
• 45:56
  only
• 45:57
  18%
• 45:57
  of
• 45:57
  people
• 45:58
  that
• 45:58
  call
• 45:58
  themselves
• 45:58
  a
• 45:59
  financial
• 45:59
  advisor
• 46:00
  have
• 46:00
  that
• 46:00
  designation.
• 46:01
  It's
• 46:02
  the
• 46:02
  highest
• 46:02
  planning
• 46:02
  that
• 46:03
  you
• 46:03
  take
• 46:03
  two
• 46:03
  years
• 46:03
  of
• 46:04
  college,
• 46:04
  course
• 46:04
  you
• 46:04
  take
• 46:05
  the
• 46:05
  bar
• 46:05
  of
• 46:05
  financial
• 46:05
  planning.
• 46:06
  And
• 46:06
  so
• 46:06
  that
• 46:06
  just
• 46:07
  shows
• 46:07
  you
• 46:07
  have
• 46:07
  a
• 46:07
  real
• 46:08
  planner,
• 46:09
  not
• 46:09
  someone
• 46:10
  masquerading
• 46:11
  as
• 46:11
  a
• 46:11
  planner
• 46:12
  that
• 46:12
  really
• 46:12
  is
• 46:13
  just
• 46:13
  trying
• 46:13
  to
• 46:13
  product
• 46:14
  push
• 46:15
  or
• 46:15
  just
• 46:16
  gather
• 46:16
  your
• 46:16
  assets
• 46:17
  with
• 46:17
  a
• 46:17
  cookie
• 46:17
  cutter
• 46:18
  plan.
• 46:18
  And
• 46:18
  it's
• 46:18
  hard
• 46:19
  to
• 46:19
  tell
• 46:19
  that.
• 46:19
  So
• 46:20
  cfp,
• 46:21
  I
• 46:21
  would
• 46:21
  say
• 46:22
  is
• 46:23
  an
• 46:23
  absolute
• 46:23
  requirement
• 46:24
  to
• 46:24
  work
• 46:24
  with
• 46:24
  a
• 46:25
  financial
• 46:25
  advisor.
• 46:26
  Okay,
• 46:26
  okay.
• 46:27
  That's
• 46:28
  huge.
• 46:29
  So
• 46:30
  you
• 46:30
  want
• 46:31
  to
• 46:32
  really,
• 46:32
  you
• 46:32
  know,
• 46:34
  investigate
• 46:34
  and
• 46:35
  kind
• 46:35
  of
• 46:35
  ask
• 46:35
  them
• 46:35
  like,
• 46:36
  you
• 46:36
  know,
• 46:36
  tell
• 46:36
  me
• 46:36
  what,
• 46:37
  what
• 46:37
  are
• 46:37
  all
• 46:37
  of
• 46:37
  your
• 46:38
  services
• 46:38
  that
• 46:38
  you
• 46:39
  offer?
• 46:39
  Right.
• 46:39
  Like
• 46:39
  what,
• 46:40
  what
• 46:40
  are
• 46:40
  all
• 46:40
  the
• 46:40
  things
• 46:40
  that
• 46:41
  you
• 46:41
  do
• 46:41
  above
• 46:41
  and
• 46:42
  beyond
• 46:42
  just
• 46:42
  managing
• 46:43
  money?
• 46:43
  A
• 46:44
  lot
• 46:44
  of
• 46:44
  people
• 46:44
  if
• 46:44
  you
• 46:44
  ask
• 46:45
  that
• 46:45
  what
• 46:45
  do
• 46:45
  you
• 46:45
  provide
• 46:45
  other
• 46:46
  than
• 46:46
  managing
• 46:46
  money,
• 46:47
  they're
• 46:48
  like,
• 46:48
  don't
• 46:49
  know
• 46:49
  what
• 46:49
  to
• 46:49
  say,
• 46:51
  the
• 46:51
  robot
• 46:51
  can
• 46:51
  really
• 46:52
  manage
• 46:52
  money.
• 46:52
  I
• 46:52
  think
• 46:53
  you're
• 46:53
  going
• 46:53
  to
• 46:53
  be
• 46:54
  paying
• 46:54
  someone
• 46:55
  just
• 46:55
  to
• 46:55
  manage
• 46:56
  your
• 46:56
  money.
• 46:56
  What's
• 46:56
  the
• 46:57
  purpose
• 46:57
  of
• 46:57
  that?
• 46:57
  You
• 46:57
  need
• 46:58
  real
• 46:58
  partnership.
• 46:59
  And
• 46:59
  so
• 47:00
  why
• 47:00
  do
• 47:00
  I
• 47:00
  call
• 47:00
  myself?
• 47:01
  I
• 47:01
  got
• 47:01
  distracted.
• 47:01
  Roxy.
• 47:02
  So
• 47:05
  a.
• 47:05
  I
• 47:06
  think
• 47:06
  the
• 47:06
  word
• 47:06
  financial
• 47:06
  planner
• 47:07
  is
• 47:08
  so
• 47:08
  gross,
• 47:10
  and
• 47:10
  I
• 47:10
  just
• 47:10
  don't
• 47:11
  like
• 47:11
  it.
• 47:11
  Like,
• 47:11
  I
• 47:12
  remember
• 47:12
  when
• 47:12
  I
• 47:12
  first
• 47:12
  moved
• 47:13
  from
• 47:13
  my
• 47:13
  sexy
• 47:14
  entertainment
• 47:14
  job,
• 47:15
  I
• 47:15
  was
• 47:15
  at
• 47:15
  a
• 47:15
  wedding
• 47:15
  in
• 47:15
  the
• 47:15
  Hamptons,
• 47:16
  and
• 47:16
  I
• 47:17
  said,
• 47:17
  for
• 47:17
  the
• 47:17
  first
• 47:17
  time,
• 47:17
  oh,
• 47:18
  I'm
• 47:18
  a
• 47:18
  financial
• 47:18
  planner.
• 47:18
  And,
• 47:19
  like,
• 47:19
  the
• 47:19
  look
• 47:19
  on
• 47:19
  these
• 47:20
  people's
• 47:20
  face
• 47:20
  when
• 47:20
  I
• 47:20
  met
• 47:21
  them,
• 47:21
  like,
• 47:21
  they
• 47:22
  turned
• 47:22
  around
• 47:23
  and
• 47:23
  went
• 47:23
  to
• 47:23
  the
• 47:23
  bar
• 47:23
  for
• 47:24
  another.
• 47:25
  You
• 47:25
  know
• 47:25
  what
• 47:25
  I'm
• 47:25
  saying?
• 47:27
  Oh,
• 47:27
  my
• 47:27
  God.
• 47:27
  I
• 47:28
  cannot
• 47:28
  say
• 47:28
  that
• 47:29
  to
• 47:29
  people.
• 47:29
  They're
• 47:30
  gonna
• 47:30
  think
• 47:30
  I'm
• 47:31
  snake
• 47:31
  oil
• 47:31
  saleswoman
• 47:32
  or
• 47:32
  something,
• 47:33
  you
• 47:33
  know?
• 47:33
  Like,
• 47:34
  so
• 47:34
  I
• 47:35
  had
• 47:35
  to
• 47:35
  think
• 47:35
  of
• 47:35
  something
• 47:35
  that
• 47:36
  is
• 47:36
  actually
• 47:36
  what
• 47:36
  I
• 47:37
  do,
• 47:37
  which
• 47:37
  is
• 47:38
  I
• 47:38
  help
• 47:38
  my
• 47:39
  clients.
• 47:40
  You
• 47:40
  know,
• 47:41
  you
• 47:41
  use
• 47:41
  the
• 47:41
  money
• 47:42
  that
• 47:42
  they
• 47:42
  work
• 47:42
  so
• 47:42
  hard
• 47:43
  to
• 47:43
  earn
• 47:43
  to
• 47:43
  design
• 47:43
  the
• 47:44
  life
• 47:44
  they
• 47:44
  want
• 47:44
  to
• 47:44
  live
• 47:44
  and
• 47:45
  pay
• 47:45
  less
• 47:45
  in
• 47:46
  taxes
• 47:46
  and
• 47:46
  accelerate
• 47:47
  joy.
• 47:47
  And,
• 47:48
  like,
• 47:48
  that's
• 47:49
  what
• 47:49
  it
• 47:49
  is.
• 47:50
  Yeah,
• 47:50
  absolutely.
• 47:51
  Yeah.
• 47:52
  It's
• 47:52
  not
• 47:52
  just
• 47:52
  about,
• 47:52
  give
• 47:53
  me
• 47:53
  your
• 47:53
  money
• 47:53
  and
• 47:53
  let
• 47:53
  me
• 47:53
  invest
• 47:54
  it.
• 47:54
  It's
• 47:54
  like,
• 47:55
  success.
• 47:55
  The
• 47:56
  way
• 47:56
  that
• 47:56
  I
• 47:56
  define
• 47:56
  success
• 47:57
  with
• 47:57
  my
• 47:57
  clients
• 47:58
  is,
• 47:58
  are
• 47:58
  you
• 47:58
  getting
• 47:58
  what
• 47:59
  you
• 47:59
  want
• 47:59
  when
• 47:59
  you
• 47:59
  said
• 48:00
  you
• 48:00
  wanted
• 48:00
  it,
• 48:00
  with
• 48:00
  who
• 48:01
  you
• 48:01
  wanted
• 48:01
  it
• 48:01
  and
• 48:01
  the
• 48:01
  way
• 48:01
  you
• 48:02
  wanted
• 48:02
  it
• 48:02
  and
• 48:02
  how
• 48:02
  you
• 48:03
  wanted
• 48:03
  it?
• 48:04
  Yeah,
• 48:05
  yeah,
• 48:06
  yeah.
• 48:06
  That's.
• 48:07
  I
• 48:07
  think
• 48:07
  that's
• 48:07
  to.
• 48:08
  Your
• 48:08
  point,
• 48:08
  is,
• 48:08
  like,
• 48:09
  defining
• 48:09
  success,
• 48:10
  right?
• 48:10
  Because
• 48:10
  it's
• 48:11
  like,
• 48:11
  your
• 48:12
  clients
• 48:13
  probably
• 48:13
  all
• 48:14
  have
• 48:14
  different
• 48:14
  definitions
• 48:15
  of
• 48:15
  success,
• 48:15
  but
• 48:16
  what
• 48:16
  is,
• 48:16
  like,
• 48:17
  for
• 48:17
  a
• 48:17
  midlife
• 48:18
  woman
• 48:18
  that
• 48:18
  you're
• 48:18
  working
• 48:18
  with?
• 48:19
  Like,
• 48:19
  what
• 48:19
  do
• 48:19
  you
• 48:19
  typically
• 48:20
  hear?
• 48:20
  Like,
• 48:20
  what
• 48:21
  is
• 48:21
  she
• 48:21
  saying
• 48:21
  to
• 48:21
  you?
• 48:22
  Like,
• 48:22
  I
• 48:22
  want
• 48:23
  what
• 48:23
  for
• 48:24
  the
• 48:24
  rest
• 48:24
  of
• 48:24
  my
• 48:24
  life,
• 48:25
  I
• 48:26
  want
• 48:26
  to
• 48:26
  make
• 48:27
  sure
• 48:27
  that
• 48:27
  I
• 48:28
  can
• 48:28
  live
• 48:28
  my
• 48:29
  life
• 48:30
  in
• 48:30
  a
• 48:30
  secure
• 48:32
  and
• 48:32
  safe
• 48:32
  environment
• 48:33
  to
• 48:33
  where,
• 48:33
  if
• 48:34
  I
• 48:34
  live
• 48:34
  to
• 48:34
  103,
• 48:35
  I'm
• 48:36
  okay?
• 48:36
  I
• 48:37
  don't
• 48:37
  become
• 48:37
  a
• 48:37
  burden
• 48:38
  on
• 48:38
  my
• 48:38
  children.
• 48:39
  You
• 48:39
  know,
• 48:39
  I'm.
• 48:40
  I'm
• 48:40
  not
• 48:40
  living
• 48:40
  off
• 48:41
  of
• 48:41
  Social
• 48:41
  Security.
• 48:42
  You
• 48:42
  know,
• 48:42
  I
• 48:43
  think
• 48:43
  longevity
• 48:43
  is
• 48:44
  a
• 48:44
  big
• 48:44
  thing
• 48:44
  we
• 48:44
  got
• 48:45
  to
• 48:45
  talk
• 48:45
  about.
• 48:46
  Right?
• 48:46
  I
• 48:46
  mean,
• 48:46
  because
• 48:47
  our
• 48:48
  brains
• 48:49
  still
• 48:49
  tell
• 48:49
  us
• 48:50
  from
• 48:50
  a
• 48:50
  Darwinism,
• 48:50
  biology
• 48:51
  perspective,
• 48:52
  we're
• 48:52
  Gonna
• 48:52
  die
• 48:52
  at
• 48:53
  72,
• 48:53
  and
• 48:54
  we
• 48:54
  are
• 48:54
  not.
• 48:55
  Right,
• 48:55
  Right.
• 48:56
  And
• 48:57
  so
• 48:57
  the
• 48:57
  issue
• 48:58
  is
• 48:58
  that
• 48:58
  our
• 48:58
  neurons
• 48:59
  aren't
• 49:00
  saying,
• 49:00
  hey,
• 49:00
  you're
• 49:01
  18,
• 49:01
  you're
• 49:01
  18.
• 49:02
  Start
• 49:02
  saving
• 49:02
  money.
• 49:03
  Let's
• 49:03
  go.
• 49:03
  We
• 49:03
  got
• 49:03
  to.
• 49:04
  You
• 49:04
  know,
• 49:05
  that
• 49:05
  doesn't
• 49:05
  turn
• 49:05
  on
• 49:06
  until
• 49:06
  45,
• 49:07
  really,
• 49:08
  now.
• 49:08
  And
• 49:08
  so.
• 49:09
  And
• 49:09
  so,
• 49:09
  you
• 49:09
  know,
• 49:10
  it's
• 49:10
  that.
• 49:10
  It's
• 49:10
  that.
• 49:10
  That
• 49:11
  success
• 49:11
  of,
• 49:11
  like,
• 49:11
  understanding.
• 49:12
  I
• 49:13
  have
• 49:13
  built
• 49:13
  a
• 49:14
  really
• 49:14
  beautiful
• 49:15
  balance
• 49:15
  sheet.
• 49:16
  And
• 49:16
  if
• 49:16
  I
• 49:16
  don't
• 49:16
  take
• 49:17
  action
• 49:17
  to
• 49:17
  get
• 49:18
  it
• 49:18
  in
• 49:19
  the
• 49:19
  right
• 49:19
  buckets,
• 49:20
  like
• 49:22
  I'm
• 49:22
  going
• 49:22
  to
• 49:22
  be
• 49:23
  up
• 49:23
  a
• 49:23
  creek
• 49:24
  without
• 49:24
  a
• 49:24
  paddle
• 49:24
  at
• 49:25
  78
• 49:25
  or
• 49:25
  82.
• 49:26
  Right.
• 49:27
  And
• 49:27
  so
• 49:27
  longevity
• 49:28
  was
• 49:28
  a
• 49:28
  big
• 49:28
  concern
• 49:28
  and
• 49:29
  really
• 49:29
  modeling
• 49:29
  out
• 49:30
  what
• 49:30
  if
• 49:31
  you
• 49:31
  live
• 49:31
  to
• 49:31
  100.
• 49:32
  I
• 49:32
  mean,
• 49:32
  honestly,
• 49:33
  like
• 49:33
  that's,
• 49:34
  that's,
• 49:34
  that's
• 49:34
  the
• 49:35
  way
• 49:35
  of
• 49:35
  the
• 49:35
  world
• 49:35
  now.
• 49:35
  I
• 49:36
  mean,
• 49:36
  people
• 49:36
  are
• 49:36
  living
• 49:37
  like,
• 49:37
  you
• 49:38
  know,
• 49:38
  women.
• 49:38
  It's
• 49:39
  not
• 49:39
  unheard
• 49:39
  of
• 49:39
  to
• 49:40
  live
• 49:40
  into
• 49:40
  your
• 49:40
  80s
• 49:40
  as
• 49:41
  a
• 49:41
  woman
• 49:41
  and
• 49:42
  beyond.
• 49:43
  So
• 49:43
  that
• 49:43
  is
• 49:44
  like,
• 49:44
  that's
• 49:44
  a
• 49:45
  real
• 49:45
  concern
• 49:45
  I
• 49:46
  would
• 49:46
  think,
• 49:46
  for
• 49:46
  women.
• 49:47
  Like
• 49:47
  you're
• 49:47
  saying,
• 49:48
  right.
• 49:49
  I
• 49:49
  mean,
• 49:49
  longevity,
• 49:50
  like
• 49:50
  it's
• 49:50
  all
• 49:50
  about
• 49:51
  beating
• 49:51
  the
• 49:51
  clock.
• 49:53
  So
• 49:54
  I'll
• 49:54
  show
• 49:54
  them.
• 49:54
  Listen,
• 49:54
  if
• 49:55
  you
• 49:55
  spend
• 49:55
  8,000amonth,
• 49:56
  whatever
• 49:57
  inflation
• 49:58
  adjusted,
• 49:59
  you,
• 50:00
  if
• 50:00
  you,
• 50:00
  you
• 50:00
  know,
• 50:00
  between
• 50:00
  the
• 50:01
  ages
• 50:01
  of
• 50:01
  62
• 50:02
  and
• 50:02
  100,
• 50:03
  you're
• 50:04
  good.
• 50:04
  And
• 50:04
  we
• 50:04
  run
• 50:04
  it
• 50:05
  through
• 50:05
  all
• 50:05
  these
• 50:05
  different
• 50:05
  scenarios,
• 50:06
  you
• 50:06
  know,
• 50:06
  and
• 50:06
  we
• 50:07
  optimize
• 50:07
  and
• 50:07
  we
• 50:07
  create
• 50:08
  tax
• 50:08
  efficiency
• 50:09
  and
• 50:09
  it's
• 50:09
  just,
• 50:10
  I
• 50:10
  cannot
• 50:10
  tell
• 50:11
  you,
• 50:11
  I
• 50:11
  mean,
• 50:12
  I
• 50:12
  am
• 50:12
  just
• 50:12
  so
• 50:12
  addicted
• 50:13
  to
• 50:13
  the
• 50:13
  feeling
• 50:14
  of
• 50:15
  someone
• 50:15
  feeling
• 50:15
  safe
• 50:16
  and
• 50:16
  secure
• 50:16
  and
• 50:16
  empowered
• 50:17
  and
• 50:18
  their
• 50:18
  money,
• 50:19
  like
• 50:19
  that's
• 50:19
  what
• 50:19
  financial
• 50:20
  freedom
• 50:20
  is.
• 50:21
  Peace
• 50:21
  and
• 50:21
  clarity
• 50:22
  and
• 50:22
  confidence
• 50:22
  in
• 50:22
  your
• 50:22
  financial
• 50:23
  world.
• 50:24
  And
• 50:24
  there
• 50:24
  is
• 50:24
  no
• 50:25
  reason
• 50:25
  why
• 50:25
  we
• 50:25
  shouldn't
• 50:26
  all
• 50:26
  have,
• 50:26
  I
• 50:26
  mean,
• 50:27
  resources,
• 50:28
  right?
• 50:28
  But
• 50:28
  like
• 50:29
  that,
• 50:29
  that,
• 50:29
  that,
• 50:29
  that,
• 50:30
  you
• 50:30
  know,
• 50:31
  you
• 50:31
  shouldn't
• 50:31
  feel
• 50:31
  that
• 50:32
  way.
• 50:33
  I
• 50:33
  mean,
• 50:33
  that's
• 50:34
  what
• 50:34
  we
• 50:34
  want,
• 50:34
  that's
• 50:34
  like
• 50:35
  we
• 50:35
  want
• 50:35
  that
• 50:35
  security.
• 50:36
  Yes.
• 50:37
  You're
• 50:37
  not
• 50:37
  alone.
• 50:37
  Everyone
• 50:38
  thinks
• 50:38
  that
• 50:38
  they're
• 50:38
  unique
• 50:38
  in
• 50:39
  this.
• 50:39
  And
• 50:39
  it's
• 50:39
  like
• 50:41
  the
• 50:41
  woman
• 50:41
  with
• 50:41
  the
• 50:42
  Chanel
• 50:42
  bag
• 50:42
  and
• 50:42
  the
• 50:42
  Maseratis
• 50:43
  probably
• 50:44
  has
• 50:44
  a
• 50:44
  work
• 50:45
  like
• 50:45
  liabilities
• 50:46
  out
• 50:46
  the
• 50:46
  kiboots
• 50:47
  that
• 50:47
  in
• 50:48
  your
• 50:48
  balance
• 50:48
  sheet
• 50:48
  is
• 50:48
  way
• 50:48
  better.
• 50:49
  So
• 50:49
  stop
• 50:49
  comparing
• 50:50
  yourself.
• 50:52
  Yes,
• 50:53
  yes,
• 50:53
  it's
• 50:54
  true.
• 50:54
  Although
• 50:55
  I
• 50:55
  don't
• 50:55
  feel
• 50:56
  bad
• 50:56
  about
• 50:56
  investing
• 50:57
  in
• 50:57
  Chanel
• 50:57
  because
• 50:58
  I
• 50:58
  feel
• 50:58
  like
• 50:59
  it
• 50:59
  always,
• 51:00
  you
• 51:00
  know,
• 51:00
  I
• 51:00
  mean,
• 51:01
  it
• 51:01
  will
• 51:01
  always
• 51:01
  hold
• 51:01
  its
• 51:02
  value.
• 51:02
  Right,
• 51:03
  I
• 51:03
  agree.
• 51:03
  I
• 51:04
  absolutely
• 51:04
  agree.
• 51:05
  But
• 51:05
  not
• 51:05
  if
• 51:05
  you
• 51:05
  have
• 51:06
  to
• 51:06
  put
• 51:06
  on
• 51:06
  a
• 51:06
  credit
• 51:06
  card.
• 51:06
  I
• 51:06
  mean,
• 51:07
  the
• 51:07
  things
• 51:07
  I
• 51:07
  see
• 51:08
  in
• 51:08
  Los
• 51:08
  Angeles,
• 51:08
  I
• 51:09
  mean,
• 51:09
  come
• 51:09
  on,
• 51:09
  you
• 51:09
  know.
• 51:10
  Yeah,
• 51:10
  yeah.
• 51:10
  Oh,
• 51:11
  for
• 51:11
  sure.
• 51:12
  That's
• 51:12
  crazy.
• 51:13
  Everything
• 51:14
  is
• 51:14
  for
• 51:14
  show.
• 51:14
  I
• 51:14
  mean.
• 51:15
  Well,
• 51:15
  especially
• 51:15
  like
• 51:15
  you're
• 51:16
  saying,
• 51:16
  because
• 51:16
  you
• 51:16
  came
• 51:16
  from
• 51:16
  like
• 51:17
  the
• 51:17
  reality
• 51:18
  TV
• 51:18
  world
• 51:18
  where
• 51:18
  you're
• 51:19
  seeing
• 51:19
  all
• 51:19
  of
• 51:19
  these
• 51:21
  people
• 51:22
  living
• 51:22
  these
• 51:22
  lives
• 51:23
  that
• 51:23
  maybe
• 51:23
  are
• 51:23
  not
• 51:24
  authentic
• 51:24
  and,
• 51:25
  you
• 51:25
  know,
• 51:25
  not
• 51:26
  real,
• 51:26
  you
• 51:27
  know,
• 51:27
  so
• 51:28
  that's,
• 51:28
  that's
• 51:28
  an
• 51:28
  interesting
• 51:29
  perspective.
• 51:30
  I
• 51:30
  know
• 51:30
  we
• 51:30
  do
• 51:30
  see
• 51:30
  a
• 51:30
  lot
• 51:31
  here
• 51:31
  in
• 51:31
  la.
• 51:32
  Yeah,
• 51:33
  exactly.
• 51:33
  And
• 51:35
  I
• 51:35
  wanted
• 51:35
  to
• 51:36
  share
• 51:36
  like
• 51:36
  a
• 51:36
  stat
• 51:37
  that
• 51:37
  I
• 51:37
  looked
• 51:37
  up
• 51:37
  because
• 51:38
  it's
• 51:38
  always
• 51:38
  shifting
• 51:38
  and
• 51:39
  evolving,
• 51:39
  but
• 51:41
  there's
• 51:41
  a
• 51:42
  Analyst
• 51:43
  firm
• 51:43
  called
• 51:44
  Cerule
• 51:45
  C
• 51:45
  E
• 51:46
  R
• 51:46
  U
• 51:46
  L
• 51:46
  L
• 51:47
  I.
• 51:47
  And
• 51:47
  they
• 51:47
  do
• 51:48
  private
• 51:48
  research,
• 51:49
  you
• 51:49
  know,
• 51:49
  in
• 51:49
  the
• 51:50
  financial
• 51:50
  world,
• 51:51
  in
• 51:51
  the
• 51:51
  industry.
• 51:52
  And
• 51:53
  they
• 51:53
  looked
• 51:53
  at
• 51:53
  the
• 51:54
  next.
• 51:55
  Well,
• 51:55
  between
• 51:55
  now
• 51:55
  and
• 51:56
  2048,
• 51:57
  how
• 51:58
  much
• 51:58
  money
• 51:59
  is
• 51:59
  going
• 51:59
  to
• 52:00
  be
• 52:00
  transferring
• 52:01
  down
• 52:02
  to
• 52:02
  women?
• 52:03
  So
• 52:03
  this
• 52:03
  is
• 52:03
  something
• 52:04
  that's
• 52:04
  unbelievable.
• 52:05
  So
• 52:06
  $40
• 52:07
  trillion
• 52:08
  expected
• 52:08
  to
• 52:09
  transfer
• 52:09
  to
• 52:10
  widows,
• 52:11
  to
• 52:11
  women,
• 52:12
  female
• 52:12
  widows,
• 52:13
  and
• 52:13
  then
• 52:14
  47
• 52:14
  trillion
• 52:15
  to
• 52:15
  transfer
• 52:16
  to
• 52:16
  the
• 52:16
  next
• 52:16
  generation.
• 52:18
  So
• 52:18
  Warner
• 52:19
  Midlife
• 52:19
  and
• 52:19
  these
• 52:19
  older
• 52:20
  parents,
• 52:20
  you
• 52:21
  know
• 52:21
  that
• 52:22
  like
• 52:22
  this
• 52:22
  is
• 52:22
  what
• 52:22
  we
• 52:22
  have
• 52:23
  to
• 52:23
  really
• 52:23
  be
• 52:23
  thinking
• 52:23
  about
• 52:23
  is
• 52:24
  are
• 52:24
  we
• 52:24
  prepared
• 52:25
  for
• 52:25
  this?
• 52:25
  What
• 52:25
  does
• 52:25
  it
• 52:26
  feel
• 52:26
  like
• 52:27
  not
• 52:27
  waiting
• 52:28
  until
• 52:28
  it
• 52:28
  happens
• 52:29
  and
• 52:29
  then
• 52:29
  being
• 52:29
  like
• 52:29
  deer
• 52:30
  in
• 52:30
  the
• 52:30
  headlights,
• 52:30
  like
• 52:31
  starting
• 52:31
  to
• 52:31
  really
• 52:31
  work
• 52:31
  on
• 52:32
  your
• 52:32
  financial
• 52:32
  wellness.
• 52:33
  Which
• 52:33
  by
• 52:33
  the
• 52:33
  way,
• 52:36
  I
• 52:36
  think
• 52:36
  that
• 52:37
  this
• 52:37
  is,
• 52:37
  you
• 52:37
  know,
• 52:38
  financial
• 52:38
  wellness
• 52:40
  foundation
• 52:41
  for
• 52:41
  financial
• 52:41
  health.
• 52:41
  I
• 52:41
  mean
• 52:42
  for,
• 52:42
  for,
• 52:42
  excuse
• 52:42
  me,
• 52:42
  for
• 52:42
  health.
• 52:43
  Like
• 52:43
  if
• 52:44
  you
• 52:44
  feel
• 52:44
  like
• 52:45
  really
• 52:45
  confident
• 52:45
  and
• 52:45
  clear
• 52:45
  in
• 52:46
  your
• 52:46
  financial
• 52:46
  world,
• 52:46
  you
• 52:47
  will,
• 52:47
  like
• 52:47
  I'm
• 52:47
  telling
• 52:47
  you,
• 52:48
  attract
• 52:48
  the
• 52:48
  right
• 52:48
  partner,
• 52:49
  attract
• 52:49
  the
• 52:49
  right
• 52:49
  job,
• 52:50
  get
• 52:51
  fit,
• 52:51
  you
• 52:52
  know,
• 52:52
  be
• 52:52
  inspired.
• 52:53
  Because
• 52:53
  I
• 52:53
  don't
• 52:54
  think
• 52:54
  people
• 52:54
  don't
• 52:55
  understand
• 52:55
  women
• 52:55
  don't
• 52:56
  understand
• 52:56
  how
• 52:57
  toxic
• 52:57
  their
• 52:58
  relationship
• 52:58
  with
• 52:58
  money
• 52:58
  is
• 52:59
  and
• 52:59
  how
• 52:59
  much
• 52:59
  it's
• 53:00
  preventing
• 53:00
  them
• 53:00
  from
• 53:01
  thriving
• 53:01
  in
• 53:01
  other
• 53:02
  parts
• 53:02
  of
• 53:02
  their
• 53:02
  world.
• 53:02
  Like
• 53:03
  it's,
• 53:04
  it's
• 53:04
  all
• 53:04
  tied
• 53:05
  in,
• 53:05
  right?
• 53:06
  Totally.
• 53:07
  Yeah.
• 53:08
  And
• 53:08
  it
• 53:08
  shoots
• 53:08
  it.
• 53:09
  It's
• 53:09
  like
• 53:09
  it's
• 53:10
  another
• 53:10
  stressor
• 53:11
  if
• 53:11
  it's
• 53:11
  not
• 53:11
  in
• 53:12
  a
• 53:12
  good
• 53:12
  place.
• 53:12
  Like
• 53:13
  that
• 53:13
  affects
• 53:13
  your
• 53:13
  nervous
• 53:14
  system
• 53:14
  which
• 53:15
  as
• 53:15
  we
• 53:15
  know
• 53:15
  in
• 53:16
  midlife
• 53:16
  our
• 53:16
  nervous
• 53:17
  systems
• 53:17
  are
• 53:17
  already
• 53:18
  frazzled
• 53:19
  and
• 53:19
  you
• 53:19
  know,
• 53:20
  the
• 53:20
  biological
• 53:20
  changes
• 53:21
  are
• 53:21
  happening.
• 53:22
  And
• 53:22
  so.
• 53:23
  Yes.
• 53:24
  Yeah,
• 53:25
  right.
• 53:26
  Like
• 53:26
  the
• 53:27
  perimenopause
• 53:28
  and
• 53:28
  the
• 53:28
  menopause
• 53:29
  and
• 53:29
  it's
• 53:29
  like
• 53:29
  all
• 53:30
  these
• 53:30
  things
• 53:33
  like
• 53:33
  that
• 53:33
  both
• 53:33
  at
• 53:33
  the
• 53:33
  same
• 53:34
  time,
• 53:34
  you
• 53:34
  know,
• 53:34
  it's,
• 53:35
  it's,
• 53:36
  you
• 53:36
  know,
• 53:36
  but
• 53:36
  like
• 53:36
  I
• 53:37
  think
• 53:37
  women
• 53:37
  are
• 53:37
  often,
• 53:38
  are
• 53:38
  just
• 53:38
  like
• 53:38
  waiting,
• 53:38
  wait
• 53:39
  until
• 53:39
  the
• 53:39
  new
• 53:39
  job,
• 53:40
  wait
• 53:40
  until
• 53:40
  I
• 53:40
  find
• 53:41
  a
• 53:41
  partner,
• 53:41
  wait
• 53:41
  until
• 53:42
  this
• 53:42
  to
• 53:42
  make
• 53:42
  these
• 53:43
  big
• 53:43
  financial
• 53:43
  moves.
• 53:44
  And
• 53:44
  like
• 53:44
  that
• 53:44
  is
• 53:44
  again,
• 53:45
  shotgun
• 53:45
  in
• 53:45
  the
• 53:45
  foot.
• 53:46
  Yes.
• 53:46
  Don't
• 53:47
  live
• 53:47
  in
• 53:47
  the
• 53:47
  future.
• 53:47
  Like
• 53:48
  live
• 53:48
  in
• 53:48
  the
• 53:48
  now.
• 53:49
  Like
• 53:49
  live
• 53:49
  right
• 53:50
  now.
• 53:50
  Right,
• 53:51
  yeah,
• 53:52
  that's,
• 53:52
  that's
• 53:52
  very
• 53:53
  important.
• 53:54
  How
• 53:54
  do
• 53:54
  we
• 53:55
  get.
• 53:56
  Because
• 53:56
  you
• 53:56
  brought
• 53:56
  up
• 53:57
  the
• 53:57
  13
• 53:57
  year
• 53:57
  old,
• 53:57
  makes
• 53:58
  me
• 53:58
  think
• 53:58
  of
• 53:58
  my
• 53:58
  daughter
• 53:58
  as
• 53:59
  well,
• 53:59
  who's
• 53:59
  a
• 53:59
  preteen.
• 54:00
  Mine
• 54:00
  just
• 54:00
  turned
• 54:00
  to
• 54:01
  last
• 54:01
  week.
• 54:01
  So
• 54:01
  I'm
• 54:01
  like,
• 54:02
  oh,
• 54:02
  nice.
• 54:04
  I
• 54:05
  know
• 54:05
  all
• 54:06
  the
• 54:06
  things,
• 54:06
  all
• 54:07
  the
• 54:07
  things
• 54:07
  are
• 54:07
  like
• 54:08
  on
• 54:08
  the
• 54:08
  cusp
• 54:08
  of
• 54:09
  happening.
• 54:09
  Right.
• 54:10
  How
• 54:10
  do
• 54:10
  we
• 54:10
  get
• 54:10
  our
• 54:11
  kids,
• 54:11
  especially
• 54:12
  in
• 54:12
  that
• 54:12
  like
• 54:13
  age
• 54:13
  group
• 54:13
  of
• 54:13
  like
• 54:13
  the
• 54:14
  tweens
• 54:14
  and
• 54:15
  the
• 54:15
  teens
• 54:15
  and
• 54:16
  how
• 54:16
  do
• 54:16
  we
• 54:16
  get
• 54:17
  them
• 54:17
  excited
• 54:17
  about
• 54:18
  their
• 54:18
  financial
• 54:18
  future
• 54:19
  and
• 54:19
  about,
• 54:19
  you
• 54:19
  know,
• 54:20
  being
• 54:20
  involved
• 54:20
  in
• 54:21
  being
• 54:21
  investors
• 54:22
  and,
• 54:22
  and
• 54:22
  all
• 54:23
  of
• 54:23
  those
• 54:23
  things.
• 54:23
  You
• 54:24
  have
• 54:24
  a
• 54:24
  lemonade
• 54:24
  stand
• 54:25
  as
• 54:25
  soon
• 54:25
  as
• 54:25
  they're
• 54:25
  able
• 54:25
  to
• 54:26
  stand
• 54:26
  up.
• 54:26
  I
• 54:27
  love
• 54:27
  to
• 54:27
  teach
• 54:27
  my.
• 54:28
  I
• 54:29
  did
• 54:29
  lemonade
• 54:29
  stands
• 54:29
  and
• 54:30
  I
• 54:30
  was
• 54:30
  growing
• 54:30
  up,
• 54:30
  I
• 54:30
  would
• 54:30
  go
• 54:30
  door
• 54:30
  to
• 54:31
  door.
• 54:31
  So
• 54:31
  it
• 54:31
  was
• 54:31
  like
• 54:31
  100%
• 54:32
  point
• 54:32
  of
• 54:32
  sale.
• 54:33
  But
• 54:33
  I
• 54:33
  think
• 54:33
  it's
• 54:34
  so
• 54:34
  important
• 54:35
  for.
• 54:35
  To
• 54:36
  teach
• 54:36
  children
• 54:37
  young
• 54:37
  and
• 54:37
  make
• 54:38
  it
• 54:38
  fun
• 54:38
  about,
• 54:38
  okay,
• 54:39
  here's
• 54:39
  a
• 54:40
  startup
• 54:40
  cost
• 54:40
  or
• 54:40
  something.
• 54:41
  You
• 54:41
  have
• 54:41
  30
• 54:41
  bucks
• 54:41
  to
• 54:42
  go
• 54:42
  to
• 54:42
  Target.
• 54:42
  You
• 54:43
  buy
• 54:43
  the
• 54:43
  lemons,
• 54:43
  you
• 54:44
  buy
• 54:44
  the,
• 54:44
  you
• 54:44
  know,
• 54:44
  country
• 54:45
  made,
• 54:45
  whatever
• 54:45
  it
• 54:46
  is,
• 54:46
  we
• 54:46
  bake
• 54:46
  the
• 54:47
  cookies.
• 54:47
  Here's
• 54:48
  the
• 54:48
  profit
• 54:48
  that
• 54:48
  we
• 54:48
  get.
• 54:49
  You
• 54:49
  got
• 54:49
  to
• 54:49
  pay
• 54:49
  me
• 54:49
  back
• 54:50
  for
• 54:50
  what
• 54:50
  the
• 54:51
  cost,
• 54:51
  the
• 54:51
  investor
• 54:52
  cost
• 54:52
  the
• 54:52
  startup
• 54:53
  was.
• 54:53
  And
• 54:53
  then
• 54:53
  from
• 54:54
  that
• 54:54
  money,
• 54:55
  you
• 54:55
  know,
• 54:55
  there's
• 54:55
  these
• 54:55
  amazing
• 54:56
  little
• 54:56
  physical
• 54:57
  kind
• 54:57
  of
• 54:57
  piggy
• 54:57
  banks.
• 54:58
  We
• 54:58
  say,
• 54:58
  okay,
• 54:58
  how
• 54:58
  much
• 54:58
  are
• 54:59
  we
• 54:59
  going
• 54:59
  to
• 54:59
  save?
• 54:59
  How
• 54:59
  much
• 55:00
  are
• 55:00
  we
• 55:00
  going
• 55:00
  to
• 55:00
  spend
• 55:00
  and
• 55:00
  how
• 55:00
  much
• 55:01
  are
• 55:01
  we
• 55:01
  going
• 55:01
  to
• 55:01
  donate?
• 55:02
  You
• 55:02
  know,
• 55:02
  and
• 55:03
  really
• 55:03
  teaching
• 55:03
  them
• 55:03
  those
• 55:04
  three
• 55:04
  buckets,
• 55:05
  you
• 55:05
  know,
• 55:05
  of
• 55:05
  life,
• 55:05
  I
• 55:06
  think
• 55:06
  really
• 55:06
  builds
• 55:06
  that,
• 55:06
  like,
• 55:07
  principle.
• 55:07
  And
• 55:07
  so
• 55:08
  now
• 55:08
  when
• 55:08
  my
• 55:08
  kids
• 55:08
  earn
• 55:09
  money,
• 55:09
  it's
• 55:09
  like,
• 55:09
  okay,
• 55:10
  you
• 55:10
  know,
• 55:10
  I
• 55:10
  deserve
• 55:11
  to
• 55:11
  spend,
• 55:12
  you
• 55:12
  know,
• 55:12
  a
• 55:13
  certain
• 55:13
  amount
• 55:13
  of
• 55:13
  this
• 55:13
  money.
• 55:13
  I
• 55:14
  deserve
• 55:14
  to
• 55:14
  save
• 55:14
  it.
• 55:14
  And
• 55:15
  I
• 55:15
  also
• 55:15
  just,
• 55:15
  you
• 55:15
  know,
• 55:15
  I'm
• 55:16
  going
• 55:16
  to
• 55:16
  give
• 55:16
  some
• 55:16
  to
• 55:16
  charity.
• 55:16
  And
• 55:16
  so
• 55:17
  I
• 55:17
  think
• 55:17
  that's
• 55:17
  a
• 55:17
  really
• 55:17
  great
• 55:18
  way
• 55:18
  of
• 55:19
  thinking
• 55:19
  about
• 55:19
  it.
• 55:21
  And
• 55:21
  then
• 55:21
  as
• 55:21
  kids
• 55:21
  get
• 55:21
  older,
• 55:22
  you
• 55:22
  know,
• 55:22
  I
• 55:22
  like
• 55:22
  that.
• 55:23
  What's
• 55:23
  it.
• 55:23
  The
• 55:23
  green.
• 55:24
  Green
• 55:24
  light
• 55:24
  card,
• 55:26
  you
• 55:26
  know,
• 55:26
  that
• 55:26
  one
• 55:27
  of
• 55:27
  those,
• 55:27
  those
• 55:27
  cards
• 55:27
  that
• 55:27
  you
• 55:28
  can
• 55:28
  put
• 55:29
  money,
• 55:29
  you
• 55:29
  know,
• 55:31
  on
• 55:31
  the
• 55:31
  balance
• 55:31
  of
• 55:31
  that
• 55:32
  card
• 55:32
  and
• 55:32
  you
• 55:32
  can
• 55:32
  kind
• 55:32
  of
• 55:32
  track
• 55:32
  their
• 55:33
  spending
• 55:33
  and
• 55:33
  they
• 55:33
  can,
• 55:34
  you
• 55:34
  know,
• 55:34
  I
• 55:34
  used
• 55:34
  to
• 55:34
  not
• 55:35
  get
• 55:35
  my,
• 55:35
  my
• 55:35
  allowance
• 55:36
  until
• 55:36
  I
• 55:36
  balanced
• 55:36
  my
• 55:37
  checking
• 55:37
  book.
• 55:37
  So
• 55:37
  it's
• 55:37
  like,
• 55:38
  you
• 55:38
  know,
• 55:38
  finding.
• 55:39
  Yes.
• 55:39
  The
• 55:40
  old
• 55:40
  balance
• 55:40
  checking
• 55:41
  book.
• 55:41
  I
• 55:41
  remember
• 55:41
  that.
• 55:42
  Yes.
• 55:43
  Yeah,
• 55:43
  yeah,
• 55:44
  yeah.
• 55:44
  You
• 55:45
  know,
• 55:45
  so
• 55:46
  making
• 55:46
  enterprising
• 55:47
  fun
• 55:47
  for
• 55:48
  kids
• 55:48
  to
• 55:48
  learn
• 55:48
  about
• 55:49
  businesses
• 55:49
  and
• 55:49
  making
• 55:50
  money
• 55:50
  and
• 55:51
  making
• 55:51
  the
• 55:51
  world
• 55:51
  a
• 55:52
  better
• 55:52
  place.
• 55:52
  Yeah.
• 55:53
  Should
• 55:53
  we
• 55:53
  have
• 55:54
  our
• 55:54
  kids
• 55:54
  There
• 55:54
  was
• 55:55
  for.
• 55:55
  I'm
• 55:56
  now,
• 55:56
  of
• 55:56
  course,
• 55:56
  perimenopause
• 55:57
  brain.
• 55:57
  I'm
• 55:57
  blanking
• 55:58
  on
• 55:58
  the.
• 55:58
  The
• 55:58
  actual
• 55:59
  name
• 55:59
  for
• 55:59
  it.
• 55:59
  But
• 56:00
  where
• 56:00
  we
• 56:00
  make
• 56:00
  our
• 56:00
  kids
• 56:01
  employees
• 56:02
  of
• 56:02
  our
• 56:02
  companies,
• 56:03
  like
• 56:03
  if
• 56:03
  they're
• 56:03
  LLCs
• 56:04
  or
• 56:04
  what
• 56:04
  have
• 56:04
  you,
• 56:05
  and
• 56:05
  pay
• 56:06
  them
• 56:06
  a
• 56:06
  certain
• 56:06
  amount,
• 56:07
  I
• 56:07
  think
• 56:07
  it's
• 56:07
  like,
• 56:07
  is
• 56:08
  it
• 56:08
  13,000
• 56:08
  a
• 56:09
  year?
• 56:09
  You
• 56:09
  know,
• 56:09
  that's
• 56:10
  like
• 56:10
  tax
• 56:10
  free
• 56:11
  for
• 56:11
  them.
• 56:11
  Like,
• 56:12
  do
• 56:12
  you.
• 56:12
  Do
• 56:12
  you
• 56:12
  recommend
• 56:13
  doing
• 56:13
  things
• 56:13
  like
• 56:14
  that?
• 56:15
  Yes.
• 56:15
  I
• 56:15
  mean,
• 56:15
  so
• 56:16
  TikTok
• 56:17
  makes
• 56:18
  it
• 56:19
  seem
• 56:19
  a
• 56:20
  lot
• 56:20
  easier
• 56:21
  and
• 56:21
  legal
• 56:22
  to
• 56:22
  do
• 56:22
  that
• 56:22
  than
• 56:23
  it
• 56:23
  actually
• 56:23
  is.
• 56:24
  And
• 56:24
  so
• 56:24
  it's
• 56:24
  a
• 56:25
  state
• 56:25
  by
• 56:25
  state
• 56:25
  thing.
• 56:26
  And
• 56:26
  you
• 56:26
  have
• 56:26
  to
• 56:26
  look
• 56:26
  at
• 56:28
  both
• 56:28
  like
• 56:29
  IRS
• 56:29
  law
• 56:29
  as
• 56:30
  well
• 56:30
  as
• 56:30
  like
• 56:30
  child
• 56:30
  labor
• 56:31
  Law,
• 56:31
  you
• 56:31
  know,
• 56:32
  in
• 56:32
  that
• 56:32
  state.
• 56:33
  So,
• 56:33
  but
• 56:33
  here's
• 56:33
  the
• 56:33
  bottom
• 56:34
  line.
• 56:34
  I
• 56:34
  can
• 56:34
  say
• 56:34
  in
• 56:34
  California,
• 56:35
  if
• 56:35
  you
• 56:36
  have
• 56:36
  a
• 56:36
  family
• 56:36
  owned
• 56:37
  business
• 56:38
  like,
• 56:38
  like,
• 56:39
  you
• 56:39
  know,
• 56:40
  a
• 56:40
  podcast,
• 56:41
  for
• 56:41
  example,
• 56:42
  and
• 56:43
  you
• 56:43
  want
• 56:44
  to
• 56:44
  hire
• 56:45
  a
• 56:45
  10
• 56:45
  or
• 56:46
  11
• 56:46
  or
• 56:46
  12
• 56:46
  year
• 56:47
  old
• 56:47
  to,
• 56:48
  you
• 56:48
  know,
• 56:50
  pick
• 56:50
  up
• 56:50
  the
• 56:50
  trash
• 56:51
  at
• 56:51
  an
• 56:51
  event
• 56:51
  or,
• 56:52
  you
• 56:52
  know,
• 56:52
  do
• 56:52
  something
• 56:53
  to
• 56:53
  help
• 56:53
  your
• 56:54
  business,
• 56:54
  that's
• 56:55
  a
• 56:55
  legitimate
• 56:55
  thing
• 56:56
  and
• 56:56
  that's
• 56:56
  a
• 56:56
  real
• 56:56
  thing.
• 56:57
  Right.
• 56:58
  So
• 56:58
  there's
• 56:58
  a
• 56:58
  certain
• 56:58
  amount
• 56:59
  you
• 56:59
  can
• 56:59
  pay
• 56:59
  them.
• 56:59
  They
• 56:59
  can
• 57:00
  fund
• 57:00
  a
• 57:00
  Roth
• 57:00
  IRA
• 57:01
  from
• 57:01
  earned
• 57:01
  income.
• 57:01
  That's
• 57:02
  all
• 57:02
  great.
• 57:02
  But
• 57:03
  if
• 57:03
  you
• 57:03
  are,
• 57:04
  you
• 57:04
  don't
• 57:04
  have
• 57:04
  a
• 57:04
  family
• 57:05
  business,
• 57:06
  you
• 57:06
  know,
• 57:07
  and
• 57:07
  you
• 57:08
  want
• 57:08
  to
• 57:08
  hire
• 57:08
  your
• 57:08
  kid
• 57:08
  to
• 57:08
  do
• 57:08
  something,
• 57:09
  like,
• 57:10
  technically
• 57:10
  that's
• 57:10
  not
• 57:11
  going
• 57:11
  to
• 57:11
  cut
• 57:11
  it
• 57:11
  if
• 57:11
  you're
• 57:12
  audited,
• 57:12
  because
• 57:12
  it
• 57:13
  has
• 57:13
  to
• 57:13
  be
• 57:13
  like
• 57:13
  a
• 57:13
  family
• 57:14
  business
• 57:14
  with
• 57:14
  the
• 57:14
  state
• 57:14
  of
• 57:14
  California,
• 57:16
  you
• 57:17
  know,
• 57:17
  and
• 57:18
  if
• 57:18
  you
• 57:18
  have
• 57:18
  a
• 57:19
  podcast
• 57:19
  and
• 57:19
  you
• 57:19
  want
• 57:20
  to
• 57:20
  pay
• 57:20
  your
• 57:20
  1
• 57:20
  year
• 57:20
  old
• 57:20
  to
• 57:21
  pick
• 57:21
  up
• 57:21
  trash,
• 57:22
  well,
• 57:22
  that's
• 57:22
  also
• 57:23
  not
• 57:23
  going
• 57:23
  to
• 57:23
  cut
• 57:23
  it
• 57:23
  if
• 57:24
  you're
• 57:24
  audited
• 57:24
  on
• 57:24
  like
• 57:24
  the
• 57:24
  child
• 57:25
  labor
• 57:25
  law
• 57:25
  side
• 57:26
  because
• 57:26
  a
• 57:26
  1
• 57:26
  year
• 57:26
  old
• 57:26
  can't
• 57:27
  pick
• 57:27
  up
• 57:27
  trash.
• 57:27
  And
• 57:27
  so,
• 57:28
  you
• 57:28
  know,
• 57:28
  there's
• 57:29
  a
• 57:29
  real
• 57:30
  and
• 57:30
  a
• 57:30
  lot
• 57:30
  of,
• 57:30
  you
• 57:31
  know,
• 57:31
  and
• 57:32
  this
• 57:32
  is
• 57:32
  definitely
• 57:32
  something
• 57:32
  you
• 57:33
  want
• 57:33
  to
• 57:33
  talk
• 57:33
  to
• 57:33
  like
• 57:33
  your
• 57:34
  attorney
• 57:34
  about
• 57:34
  and
• 57:34
  your
• 57:35
  CPA
• 57:35
  about.
• 57:35
  But
• 57:35
  people
• 57:36
  you'll
• 57:37
  find
• 57:37
  when
• 57:37
  you
• 57:37
  actually
• 57:37
  ask
• 57:38
  professionals
• 57:38
  this
• 57:38
  question,
• 57:39
  they're
• 57:39
  very
• 57:39
  wishy
• 57:39
  washy
• 57:40
  because,
• 57:42
  you
• 57:42
  know,
• 57:42
  it
• 57:42
  has
• 57:42
  to
• 57:42
  be
• 57:43
  very,
• 57:43
  it's
• 57:43
  not
• 57:43
  as
• 57:44
  easy
• 57:44
  as
• 57:44
  they
• 57:44
  make
• 57:45
  it
• 57:45
  sound.
• 57:46
  Okay,
• 57:46
  good
• 57:47
  to
• 57:47
  know,
• 57:47
  good
• 57:47
  to
• 57:47
  know.
• 57:47
  Self
• 57:48
  employed,
• 57:48
  that's
• 57:49
  the
• 57:49
  first
• 57:49
  thing
• 57:50
  to
• 57:50
  think
• 57:50
  about.
• 57:51
  And
• 57:51
  then
• 57:51
  the
• 57:52
  age
• 57:52
  of
• 57:52
  the
• 57:52
  child
• 57:52
  is
• 57:53
  the
• 57:53
  second
• 57:53
  thing.
• 57:53
  And
• 57:53
  that
• 57:53
  the
• 57:54
  job
• 57:54
  they're
• 57:54
  doing
• 57:54
  is
• 57:55
  actually
• 57:55
  something
• 57:56
  they
• 57:56
  could
• 57:56
  do
• 57:56
  at
• 57:56
  that
• 57:57
  age
• 57:57
  for
• 57:57
  that
• 57:57
  business.
• 57:58
  Yes.
• 57:58
  That
• 57:59
  they
• 57:59
  could
• 57:59
  physically
• 57:59
  like
• 58:00
  do
• 58:00
  themselves.
• 58:01
  Okay,
• 58:01
  this
• 58:01
  is,
• 58:02
  these
• 58:02
  are
• 58:02
  all
• 58:02
  very
• 58:02
  good
• 58:02
  points.
• 58:04
  What
• 58:04
  do
• 58:04
  you
• 58:04
  think
• 58:04
  are
• 58:05
  like
• 58:05
  the
• 58:05
  three
• 58:06
  things
• 58:06
  that
• 58:07
  a
• 58:07
  midlife
• 58:08
  woman
• 58:08
  could
• 58:08
  do
• 58:08
  tonight
• 58:09
  to
• 58:10
  ensure
• 58:10
  the
• 58:11
  best
• 58:11
  outcome
• 58:11
  for
• 58:12
  her
• 58:12
  financial
• 58:12
  future
• 58:13
  in
• 58:13
  the
• 58:13
  next,
• 58:13
  let's
• 58:14
  say
• 58:14
  like
• 58:14
  year,
• 58:15
  like
• 58:15
  the
• 58:15
  next
• 58:15
  12
• 58:16
  months.
• 58:16
  What
• 58:17
  are
• 58:17
  like
• 58:17
  three
• 58:17
  things
• 58:18
  she
• 58:18
  could
• 58:18
  do
• 58:18
  like
• 58:19
  right
• 58:19
  away
• 58:19
  to
• 58:20
  kind
• 58:20
  of
• 58:20
  get
• 58:20
  herself
• 58:21
  on
• 58:21
  a
• 58:21
  good
• 58:21
  trajectory
• 58:22
  for
• 58:22
  that?
• 58:23
  So
• 58:23
  I
• 58:23
  would
• 58:23
  say
• 58:23
  number
• 58:24
  one,
• 58:24
  and
• 58:25
  I
• 58:25
  have
• 58:25
  a
• 58:25
  great,
• 58:25
  you
• 58:26
  know,
• 58:26
  there's
• 58:26
  some
• 58:26
  giveaways
• 58:27
  and
• 58:27
  things
• 58:27
  I
• 58:27
  want
• 58:27
  to
• 58:28
  talk
• 58:28
  about
• 58:28
  with
• 58:28
  you
• 58:28
  too
• 58:29
  for
• 58:29
  your
• 58:29
  audience
• 58:30
  so
• 58:30
  that
• 58:30
  I
• 58:31
  have
• 58:31
  really
• 58:31
  beautiful
• 58:31
  template.
• 58:33
  I
• 58:33
  hate
• 58:33
  monthly
• 58:33
  budgets.
• 58:34
  Let
• 58:34
  me
• 58:34
  just
• 58:34
  say
• 58:34
  that
• 58:34
  people
• 58:35
  are
• 58:35
  surprised
• 58:35
  when
• 58:35
  I
• 58:35
  say
• 58:35
  that
• 58:36
  because
• 58:36
  every
• 58:36
  person,
• 58:37
  homo
• 58:37
  sapiens,
• 58:38
  cannot
• 58:38
  live
• 58:38
  on
• 58:38
  a
• 58:38
  budget.
• 58:39
  They
• 58:39
  can't.
• 58:41
  You
• 58:42
  need
• 58:42
  to
• 58:42
  talk
• 58:42
  to
• 58:42
  my
• 58:42
  husband
• 58:43
  about
• 58:43
  that
• 58:43
  because
• 58:43
  I
• 58:43
  try
• 58:44
  to
• 58:44
  tell
• 58:44
  him
• 58:44
  that
• 58:44
  all
• 58:44
  the
• 58:44
  time.
• 58:44
  I'm
• 58:45
  like
• 58:48
  however,
• 58:49
  every
• 58:49
  month
• 58:49
  is
• 58:50
  different.
• 58:50
  Like,
• 58:50
  stop.
• 58:50
  Because
• 58:51
  people
• 58:51
  like
• 58:51
  I
• 58:51
  can
• 58:51
  do.
• 58:51
  And
• 58:52
  they
• 58:52
  fail.
• 58:52
  And
• 58:52
  then
• 58:53
  they're
• 58:53
  like,
• 58:53
  oh,
• 58:53
  it's
• 58:53
  just
• 58:53
  me,
• 58:54
  everybody.
• 58:55
  However,
• 58:56
  I
• 58:56
  need
• 58:56
  you
• 58:57
  to
• 58:57
  fill
• 58:57
  out
• 58:57
  a
• 58:58
  monthly
• 58:58
  budget.
• 58:58
  I
• 58:58
  call
• 58:58
  it
• 58:59
  the
• 58:59
  joy
• 58:59
  equation.
• 58:59
  What
• 59:00
  does
• 59:00
  it
• 59:00
  cost
• 59:01
  to
• 59:01
  live
• 59:01
  a
• 59:01
  joyful
• 59:01
  life?
• 59:02
  So
• 59:02
  you
• 59:02
  get
• 59:02
  an
• 59:02
  idea
• 59:02
  of
• 59:03
  travel.
• 59:03
  It's
• 59:04
  an
• 59:04
  exercise,
• 59:05
  right?
• 59:05
  And
• 59:06
  so
• 59:06
  filling
• 59:06
  that
• 59:07
  out
• 59:08
  and
• 59:08
  then
• 59:08
  looking
• 59:09
  at
• 59:09
  how
• 59:09
  much
• 59:09
  cash
• 59:10
  you
• 59:10
  have.
• 59:10
  So
• 59:10
  let's
• 59:10
  say
• 59:11
  it's
• 59:11
  your.
• 59:11
  Your
• 59:11
  joy
• 59:12
  equation
• 59:12
  is
• 59:12
  $10,000,
• 59:13
  right?
• 59:14
  So.
• 59:14
  And
• 59:14
  you
• 59:14
  have
• 59:15
  a
• 59:15
  consistent
• 59:15
  flow
• 59:15
  of
• 59:15
  income.
• 59:16
  You
• 59:17
  really
• 59:17
  should
• 59:17
  not
• 59:17
  have
• 59:18
  more
• 59:18
  than
• 59:19
  30
• 59:19
  to
• 59:20
  60,000
• 59:21
  in
• 59:21
  your
• 59:22
  cash
• 59:23
  reserves,
• 59:23
  bank
• 59:24
  accounts,
• 59:24
  high
• 59:24
  yield
• 59:25
  savings,
• 59:25
  unless
• 59:26
  that
• 59:26
  money
• 59:27
  is
• 59:27
  earmarked
• 59:28
  for
• 59:28
  something.
• 59:29
  Does
• 59:29
  that
• 59:29
  make
• 59:30
  sense?
• 59:30
  Okay,
• 59:31
  yes.
• 59:31
  Taxes
• 59:32
  earmarked
• 59:32
  for
• 59:32
  down
• 59:32
  payment,
• 59:33
  earmarked
• 59:33
  for
• 59:33
  tuition.
• 59:34
  But
• 59:34
  if
• 59:35
  it's
• 59:35
  just
• 59:35
  an
• 59:35
  emergency
• 59:36
  fund,
• 59:37
  you
• 59:37
  would
• 59:37
  not
• 59:38
  believe,
• 59:39
  like,
• 59:40
  I'll
• 59:40
  find
• 59:40
  someone
• 59:41
  who
• 59:41
  has
• 59:41
  $360,000
• 59:43
  of
• 59:43
  cash.
• 59:44
  If
• 59:44
  they
• 59:44
  spend
• 59:44
  10,000amonth,
• 59:45
  that's
• 59:45
  three
• 59:45
  years
• 59:46
  of
• 59:46
  cash.
• 59:47
  I'm
• 59:47
  like,
• 59:47
  what
• 59:48
  is
• 59:48
  this
• 59:48
  for?
• 59:48
  And
• 59:49
  you're
• 59:49
  like,
• 59:49
  like,
• 59:49
  what
• 59:49
  is
• 59:50
  this?
• 59:50
  What
• 59:50
  is
• 59:50
  the
• 59:50
  intention.
• 59:51
  That's.
• 59:51
  What
• 59:51
  is
• 59:51
  the
• 59:51
  intention
• 59:52
  of
• 59:52
  this
• 59:52
  money?
• 59:53
  And
• 59:53
  they're
• 59:53
  like,
• 59:53
  I
• 59:54
  don't
• 59:54
  know.
• 59:54
  It's
• 59:54
  just
• 59:54
  like
• 59:54
  my
• 59:55
  emergency
• 59:55
  fund.
• 59:55
  I'm
• 59:56
  like,
• 59:56
  wow,
• 59:57
  three
• 59:57
  years
• 59:58
  of
• 59:58
  an
• 59:58
  emergency
• 59:58
  fund.
• 59:59
  I
• 59:59
  mean,
• 59:59
  that's
• 59:59
  a
• 1:00:00
  really
• 1:00:00
  big
• 1:00:00
  emergency.
• 1:00:02
  They're
• 1:00:02
  like,
• 1:00:03
  yeah,
• 1:00:03
  I'm
• 1:00:03
  like,
• 1:00:04
  that's
• 1:00:05
  big.
• 1:00:05
  And
• 1:00:06
  so
• 1:00:06
  that
• 1:00:06
  would
• 1:00:06
  be
• 1:00:06
  the
• 1:00:06
  first
• 1:00:07
  thing
• 1:00:07
  I
• 1:00:07
  would
• 1:00:07
  say
• 1:00:07
  is.
• 1:00:07
  And
• 1:00:08
  I
• 1:00:08
  can
• 1:00:08
  share
• 1:00:08
  the
• 1:00:08
  template
• 1:00:08
  is
• 1:00:09
  figure
• 1:00:09
  out
• 1:00:09
  what
• 1:00:09
  your
• 1:00:09
  joy
• 1:00:09
  equation
• 1:00:10
  is.
• 1:00:11
  You
• 1:00:11
  know,
• 1:00:11
  multiply,
• 1:00:12
  you
• 1:00:12
  know
• 1:00:12
  that
• 1:00:13
  by,
• 1:00:13
  you
• 1:00:13
  know,
• 1:00:13
  if
• 1:00:14
  you're
• 1:00:14
  a
• 1:00:14
  business
• 1:00:14
  owner
• 1:00:14
  and
• 1:00:15
  you
• 1:00:15
  have
• 1:00:15
  real
• 1:00:15
  lumpy
• 1:00:15
  variable
• 1:00:16
  income,
• 1:00:16
  I
• 1:00:17
  would
• 1:00:17
  keep
• 1:00:17
  at
• 1:00:17
  least
• 1:00:17
  12
• 1:00:17
  months
• 1:00:18
  of
• 1:00:18
  expenses.
• 1:00:18
  That's.
• 1:00:19
  That's.
• 1:00:19
  That
• 1:00:19
  way,
• 1:00:20
  you
• 1:00:20
  know,
• 1:00:20
  with
• 1:00:20
  the
• 1:00:20
  roller
• 1:00:21
  coaster,
• 1:00:21
  you're
• 1:00:21
  safe
• 1:00:22
  in
• 1:00:22
  that
• 1:00:22
  down
• 1:00:22
  year,
• 1:00:23
  but,
• 1:00:24
  you
• 1:00:24
  know,
• 1:00:24
  and,
• 1:00:24
  and
• 1:00:25
  get
• 1:00:26
  anything
• 1:00:27
  above
• 1:00:27
  and
• 1:00:27
  beyond
• 1:00:27
  that
• 1:00:28
  3,
• 1:00:28
  6,
• 1:00:28
  or
• 1:00:28
  12
• 1:00:28
  months,
• 1:00:29
  depending
• 1:00:29
  on
• 1:00:29
  your
• 1:00:29
  income
• 1:00:30
  situation
• 1:00:31
  working
• 1:00:31
  for
• 1:00:31
  you.
• 1:00:32
  Meaning
• 1:00:33
  invest
• 1:00:33
  it,
• 1:00:33
  investing.
• 1:00:34
  Okay.
• 1:00:35
  Yeah.
• 1:00:35
  Okay.
• 1:00:36
  Yeah.
• 1:00:36
  In
• 1:00:36
  a
• 1:00:37
  diversified
• 1:00:38
  way,
• 1:00:39
  you
• 1:00:39
  know.
• 1:00:40
  So
• 1:00:40
  what
• 1:00:40
  does
• 1:00:40
  that
• 1:00:40
  mean?
• 1:00:40
  Well,
• 1:00:41
  you
• 1:00:41
  have
• 1:00:41
  some,
• 1:00:42
  you
• 1:00:42
  know,
• 1:00:43
  U.S.
• 1:00:43
  stocks,
• 1:00:43
  international
• 1:00:44
  stock.
• 1:00:44
  You
• 1:00:44
  just
• 1:00:44
  find.
• 1:00:45
  Find
• 1:00:45
  a
• 1:00:45
  great
• 1:00:45
  ETF
• 1:00:46
  that
• 1:00:46
  has
• 1:00:46
  a
• 1:00:47
  globally
• 1:00:47
  diversified
• 1:00:49
  index
• 1:00:49
  fund.
• 1:00:51
  I
• 1:00:51
  know
• 1:00:51
  that
• 1:00:51
  seems
• 1:00:52
  really
• 1:00:52
  overwhelming,
• 1:00:52
  but
• 1:00:52
  just
• 1:00:53
  type
• 1:00:53
  in
• 1:00:53
  globally
• 1:00:53
  diversified
• 1:00:54
  index
• 1:00:54
  fund.
• 1:00:55
  You'll
• 1:00:55
  find
• 1:00:55
  one.
• 1:00:55
  They're
• 1:00:56
  all
• 1:00:56
  over
• 1:00:56
  the
• 1:00:56
  place.
• 1:00:57
  It
• 1:00:57
  doesn't
• 1:00:57
  matter.
• 1:00:59
  Or
• 1:00:59
  Vanguard
• 1:01:00
  or
• 1:01:00
  Black.
• 1:01:01
  It's
• 1:01:01
  all
• 1:01:02
  the
• 1:01:02
  same,
• 1:01:03
  right?
• 1:01:04
  So
• 1:01:04
  that's
• 1:01:04
  the
• 1:01:05
  first
• 1:01:05
  thing.
• 1:01:06
  And
• 1:01:06
  again,
• 1:01:06
  I
• 1:01:06
  can
• 1:01:07
  share
• 1:01:07
  that
• 1:01:07
  template
• 1:01:07
  with
• 1:01:07
  everybody.
• 1:01:09
  The
• 1:01:09
  second
• 1:01:09
  thing
• 1:01:09
  that
• 1:01:10
  I
• 1:01:10
  would
• 1:01:10
  do,
• 1:01:10
  and
• 1:01:11
  you
• 1:01:11
  can
• 1:01:11
  do
• 1:01:11
  this
• 1:01:11
  either
• 1:01:12
  by
• 1:01:13
  finding
• 1:01:13
  a
• 1:01:14
  financial
• 1:01:14
  advisor
• 1:01:14
  that
• 1:01:15
  can
• 1:01:15
  build
• 1:01:15
  a
• 1:01:15
  life
• 1:01:15
  Design
• 1:01:15
  a
• 1:01:16
  financial
• 1:01:16
  plan
• 1:01:16
  for
• 1:01:16
  you,
• 1:01:16
  or
• 1:01:17
  there's
• 1:01:17
  software,
• 1:01:18
  you
• 1:01:18
  know,
• 1:01:18
  that
• 1:01:19
  you
• 1:01:19
  can
• 1:01:19
  find.
• 1:01:20
  And
• 1:01:20
  you
• 1:01:20
  know,
• 1:01:20
  and,
• 1:01:21
  and
• 1:01:21
  you
• 1:01:22
  know,
• 1:01:22
  if
• 1:01:22
  it's
• 1:01:22
  a
• 1:01:22
  software,
• 1:01:23
  like
• 1:01:23
  just
• 1:01:23
  typing
• 1:01:24
  in,
• 1:01:24
  like,
• 1:01:24
  here's
• 1:01:25
  your
• 1:01:25
  age,
• 1:01:25
  date
• 1:01:25
  of
• 1:01:25
  birth.
• 1:01:26
  I
• 1:01:26
  have
• 1:01:27
  this
• 1:01:27
  much
• 1:01:27
  in
• 1:01:28
  401k
• 1:01:29
  pre
• 1:01:29
  tax.
• 1:01:29
  I
• 1:01:30
  have
• 1:01:30
  this
• 1:01:30
  much
• 1:01:30
  in
• 1:01:30
  Roth.
• 1:01:30
  I
• 1:01:31
  have
• 1:01:31
  this
• 1:01:31
  much
• 1:01:31
  in
• 1:01:31
  cash,
• 1:01:32
  you
• 1:01:32
  know,
• 1:01:32
  like,
• 1:01:33
  if
• 1:01:33
  I
• 1:01:33
  want
• 1:01:33
  to
• 1:01:34
  be
• 1:01:34
  work
• 1:01:34
  optional
• 1:01:35
  or
• 1:01:35
  retire
• 1:01:35
  at
• 1:01:36
  this
• 1:01:36
  age,
• 1:01:36
  like,
• 1:01:38
  how
• 1:01:38
  am
• 1:01:39
  I,
• 1:01:39
  am
• 1:01:40
  I
• 1:01:40
  on
• 1:01:40
  track
• 1:01:40
  or
• 1:01:40
  not?
• 1:01:42
  And
• 1:01:42
  I
• 1:01:42
  think
• 1:01:42
  that's
• 1:01:43
  such
• 1:01:43
  a
• 1:01:43
  big
• 1:01:43
  step
• 1:01:44
  because
• 1:01:44
  people
• 1:01:44
  don't
• 1:01:44
  want
• 1:01:44
  to
• 1:01:44
  do
• 1:01:45
  that
• 1:01:45
  because
• 1:01:45
  even
• 1:01:45
  if
• 1:01:45
  they
• 1:01:45
  are
• 1:01:46
  on
• 1:01:46
  track,
• 1:01:46
  like
• 1:01:46
  I
• 1:01:46
  said
• 1:01:46
  before,
• 1:01:47
  Roxy,
• 1:01:47
  they
• 1:01:47
  don't.
• 1:01:48
  They
• 1:01:48
  think
• 1:01:48
  that
• 1:01:48
  they're
• 1:01:49
  not.
• 1:01:49
  And
• 1:01:49
  so
• 1:01:49
  they're
• 1:01:50
  literally
• 1:01:50
  shotgun
• 1:01:51
  to
• 1:01:51
  the
• 1:01:51
  foot
• 1:01:51
  again,
• 1:01:52
  not
• 1:01:53
  looking
• 1:01:53
  at
• 1:01:54
  their
• 1:01:54
  reality
• 1:01:55
  because
• 1:01:55
  they're
• 1:01:56
  afraid
• 1:01:56
  of,
• 1:01:57
  like,
• 1:01:57
  where
• 1:01:57
  they
• 1:01:57
  may
• 1:01:58
  be.
• 1:01:58
  And
• 1:01:58
  if
• 1:01:58
  they're
• 1:01:59
  not
• 1:01:59
  in
• 1:01:59
  a
• 1:01:59
  good
• 1:01:59
  place,
• 1:01:59
  they
• 1:01:59
  need
• 1:02:00
  to
• 1:02:00
  know
• 1:02:00
  that.
• 1:02:00
  And
• 1:02:01
  that
• 1:02:01
  should
• 1:02:01
  be
• 1:02:01
  unempowering.
• 1:02:03
  Like,
• 1:02:04
  okay,
• 1:02:04
  let's
• 1:02:04
  go.
• 1:02:05
  I'm
• 1:02:05
  not
• 1:02:05
  there.
• 1:02:05
  I'm
• 1:02:05
  ready.
• 1:02:06
  Let's
• 1:02:06
  turn
• 1:02:06
  the
• 1:02:06
  or.
• 1:02:07
  If
• 1:02:07
  they
• 1:02:07
  are
• 1:02:07
  there,
• 1:02:07
  it
• 1:02:08
  should
• 1:02:08
  be
• 1:02:10
  now.
• 1:02:10
  How
• 1:02:10
  do
• 1:02:10
  I
• 1:02:10
  accelerate?
• 1:02:11
  Right.
• 1:02:12
  And
• 1:02:12
  the
• 1:02:13
  third
• 1:02:13
  thing
• 1:02:13
  that
• 1:02:13
  I
• 1:02:13
  would
• 1:02:14
  do,
• 1:02:14
  and
• 1:02:14
  this
• 1:02:14
  is
• 1:02:14
  not
• 1:02:15
  as
• 1:02:15
  sexy,
• 1:02:16
  but
• 1:02:16
  really
• 1:02:16
  important,
• 1:02:17
  if
• 1:02:18
  you
• 1:02:18
  are
• 1:02:19
  in
• 1:02:19
  between
• 1:02:20
  45
• 1:02:21
  and
• 1:02:21
  60,
• 1:02:22
  it's
• 1:02:23
  really
• 1:02:23
  important
• 1:02:23
  that
• 1:02:23
  you
• 1:02:24
  look
• 1:02:24
  into
• 1:02:24
  long
• 1:02:24
  term
• 1:02:24
  care
• 1:02:25
  insurance.
• 1:02:27
  So
• 1:02:27
  what
• 1:02:27
  is
• 1:02:27
  long
• 1:02:28
  term
• 1:02:28
  care
• 1:02:28
  insurance?
• 1:02:29
  It
• 1:02:29
  is.
• 1:02:30
  Medicare
• 1:02:31
  is
• 1:02:31
  beautiful
• 1:02:31
  for
• 1:02:32
  many,
• 1:02:32
  many
• 1:02:32
  things.
• 1:02:33
  It's
• 1:02:33
  great,
• 1:02:34
  you
• 1:02:34
  know,
• 1:02:34
  insurance
• 1:02:34
  coverage
• 1:02:35
  for,
• 1:02:35
  you
• 1:02:36
  know,
• 1:02:36
  chronic
• 1:02:36
  things
• 1:02:37
  and
• 1:02:37
  medications
• 1:02:37
  and
• 1:02:38
  all
• 1:02:38
  that.
• 1:02:38
  But
• 1:02:39
  our
• 1:02:39
  country
• 1:02:40
  does
• 1:02:40
  not
• 1:02:41
  take
• 1:02:41
  care
• 1:02:42
  of
• 1:02:42
  us
• 1:02:42
  as
• 1:02:42
  we
• 1:02:42
  get
• 1:02:43
  old,
• 1:02:43
  just
• 1:02:43
  because
• 1:02:44
  we
• 1:02:44
  get
• 1:02:44
  old.
• 1:02:45
  Right.
• 1:02:46
  So
• 1:02:47
  it
• 1:02:47
  is
• 1:02:47
  so
• 1:02:47
  important.
• 1:02:48
  And
• 1:02:48
  if
• 1:02:48
  you
• 1:02:48
  wait
• 1:02:49
  till
• 1:02:49
  after
• 1:02:49
  60,
• 1:02:49
  even
• 1:02:50
  after
• 1:02:50
  57,
• 1:02:51
  it
• 1:02:51
  gets
• 1:02:52
  so
• 1:02:52
  expensive
• 1:02:53
  because
• 1:02:53
  everybody
• 1:02:54
  uses
• 1:02:54
  it.
• 1:02:54
  So
• 1:02:55
  it's
• 1:02:55
  so
• 1:02:55
  expensive.
• 1:02:56
  So
• 1:02:57
  locking
• 1:02:57
  in
• 1:02:57
  long
• 1:02:57
  term
• 1:02:58
  care,
• 1:02:58
  meaning
• 1:02:58
  if
• 1:02:58
  you're
• 1:02:59
  unable
• 1:02:59
  to,
• 1:03:00
  to
• 1:03:00
  take
• 1:03:00
  care
• 1:03:00
  of
• 1:03:00
  yourself,
• 1:03:01
  whether
• 1:03:01
  it's
• 1:03:01
  old
• 1:03:02
  age
• 1:03:02
  or
• 1:03:02
  just
• 1:03:02
  you
• 1:03:02
  got
• 1:03:02
  into
• 1:03:03
  a
• 1:03:03
  car
• 1:03:03
  accident
• 1:03:03
  or
• 1:03:04
  God
• 1:03:04
  forbid,
• 1:03:04
  you
• 1:03:05
  lose
• 1:03:05
  a
• 1:03:05
  lot
• 1:03:05
  leg
• 1:03:06
  or,
• 1:03:06
  you
• 1:03:06
  know,
• 1:03:09
  it's
• 1:03:09
  important
• 1:03:09
  for
• 1:03:09
  you
• 1:03:09
  to
• 1:03:10
  have
• 1:03:10
  that
• 1:03:10
  coverage
• 1:03:10
  to
• 1:03:10
  be
• 1:03:10
  able
• 1:03:11
  to
• 1:03:11
  pay
• 1:03:11
  the
• 1:03:12
  10,
• 1:03:12
  15
• 1:03:12
  or
• 1:03:12
  $20,000
• 1:03:13
  a
• 1:03:14
  month,
• 1:03:14
  depending
• 1:03:14
  on
• 1:03:14
  what
• 1:03:15
  state
• 1:03:15
  you
• 1:03:15
  live
• 1:03:15
  in,
• 1:03:16
  it's
• 1:03:16
  going
• 1:03:16
  to
• 1:03:16
  cost
• 1:03:17
  for
• 1:03:17
  you
• 1:03:17
  to
• 1:03:17
  have
• 1:03:18
  in
• 1:03:18
  home
• 1:03:18
  care
• 1:03:19
  or
• 1:03:19
  to
• 1:03:19
  go
• 1:03:20
  to
• 1:03:20
  a
• 1:03:20
  facility
• 1:03:20
  that
• 1:03:20
  doesn't
• 1:03:21
  have
• 1:03:21
  cockroaches
• 1:03:21
  in
• 1:03:21
  it.
• 1:03:22
  Right,
• 1:03:22
  right.
• 1:03:24
  And
• 1:03:24
  both
• 1:03:24
  of
• 1:03:24
  those
• 1:03:24
  are
• 1:03:25
  expensive
• 1:03:25
  options,
• 1:03:26
  you
• 1:03:26
  know,
• 1:03:26
  they're
• 1:03:26
  both
• 1:03:26
  expensive.
• 1:03:28
  Yeah.
• 1:03:28
  Because
• 1:03:28
  nobody
• 1:03:28
  wants
• 1:03:29
  their
• 1:03:29
  kids
• 1:03:29
  to
• 1:03:29
  take,
• 1:03:29
  you
• 1:03:30
  know,
• 1:03:30
  and
• 1:03:30
  a
• 1:03:31
  lot
• 1:03:31
  of,
• 1:03:31
  you
• 1:03:31
  know,
• 1:03:31
  so.
• 1:03:32
  And
• 1:03:32
  it's
• 1:03:32
  one
• 1:03:32
  of
• 1:03:33
  these
• 1:03:33
  things
• 1:03:33
  that
• 1:03:33
  you
• 1:03:33
  don't
• 1:03:33
  want
• 1:03:34
  to
• 1:03:34
  face
• 1:03:34
  because
• 1:03:34
  you're
• 1:03:35
  facing
• 1:03:35
  all
• 1:03:35
  these
• 1:03:35
  other
• 1:03:35
  things
• 1:03:36
  of
• 1:03:36
  morbidity
• 1:03:36
  and
• 1:03:37
  like,
• 1:03:37
  oh
• 1:03:37
  my
• 1:03:37
  God,
• 1:03:37
  Long
• 1:03:37
  term
• 1:03:38
  care.
• 1:03:38
  I'm
• 1:03:38
  48.
• 1:03:39
  What
• 1:03:39
  you
• 1:03:39
  talking
• 1:03:39
  about?
• 1:03:40
  I'm
• 1:03:40
  going,
• 1:03:41
  like,
• 1:03:41
  if
• 1:03:41
  you
• 1:03:41
  don't
• 1:03:42
  think
• 1:03:42
  about
• 1:03:42
  it
• 1:03:42
  now,
• 1:03:42
  it's
• 1:03:43
  going
• 1:03:43
  to
• 1:03:43
  be
• 1:03:43
  too
• 1:03:44
  late.
• 1:03:44
  And
• 1:03:44
  if
• 1:03:44
  you
• 1:03:44
  have
• 1:03:44
  an
• 1:03:45
  early
• 1:03:45
  long
• 1:03:45
  term
• 1:03:45
  care
• 1:03:46
  event
• 1:03:46
  for
• 1:03:46
  whatever
• 1:03:47
  reason,
• 1:03:48
  that's
• 1:03:49
  going
• 1:03:49
  to
• 1:03:49
  be
• 1:03:49
  the
• 1:03:49
  biggest
• 1:03:50
  pressure
• 1:03:50
  in
• 1:03:50
  your
• 1:03:50
  cash
• 1:03:50
  flow
• 1:03:52
  than
• 1:03:52
  anything.
• 1:03:54
  Yeah,
• 1:03:54
  no,
• 1:03:54
  for
• 1:03:55
  sure,
• 1:03:55
  for
• 1:03:55
  sure.
• 1:03:57
  What
• 1:03:57
  about
• 1:03:57
  if
• 1:03:57
  a
• 1:03:57
  woman
• 1:03:58
  is
• 1:03:58
  looking
• 1:03:59
  at
• 1:03:59
  her,
• 1:03:59
  you
• 1:04:00
  know,
• 1:04:00
  financial
• 1:04:01
  setup
• 1:04:01
  and
• 1:04:02
  is
• 1:04:02
  finding
• 1:04:03
  that
• 1:04:03
  she
• 1:04:03
  is
• 1:04:03
  not
• 1:04:04
  in
• 1:04:04
  the
• 1:04:04
  place
• 1:04:04
  where
• 1:04:04
  she
• 1:04:05
  wants
• 1:04:05
  to
• 1:04:05
  be
• 1:04:06
  and
• 1:04:06
  I
• 1:04:07
  mean,
• 1:04:07
  and
• 1:04:07
  she's
• 1:04:07
  starting
• 1:04:08
  to
• 1:04:08
  panic,
• 1:04:08
  like,
• 1:04:09
  what
• 1:04:09
  can
• 1:04:09
  she
• 1:04:09
  do
• 1:04:10
  to
• 1:04:10
  kind
• 1:04:10
  of
• 1:04:10
  turn
• 1:04:11
  the
• 1:04:11
  tides?
• 1:04:12
  Here's
• 1:04:12
  another
• 1:04:12
  concept.
• 1:04:13
  So,
• 1:04:13
  you
• 1:04:13
  know,
• 1:04:13
  I
• 1:04:14
  hate
• 1:04:14
  monthly
• 1:04:14
  budgets,
• 1:04:15
  but
• 1:04:15
  I
• 1:04:15
  love
• 1:04:16
  what
• 1:04:16
  we
• 1:04:16
  call
• 1:04:16
  a
• 1:04:16
  planning
• 1:04:17
  budget.
• 1:04:17
  Okay,
• 1:04:19
  so
• 1:04:20
  here's
• 1:04:20
  the
• 1:04:20
  cons
• 1:04:20
  of
• 1:04:20
  this.
• 1:04:20
  And
• 1:04:21
  this
• 1:04:21
  is
• 1:04:22
  what
• 1:04:22
  I
• 1:04:22
  walk
• 1:04:22
  my
• 1:04:22
  clients
• 1:04:23
  through
• 1:04:23
  as
• 1:04:23
  part
• 1:04:23
  of
• 1:04:23
  the
• 1:04:23
  life
• 1:04:23
  design
• 1:04:24
  and
• 1:04:24
  all
• 1:04:24
  of
• 1:04:24
  that.
• 1:04:24
  But
• 1:04:24
  you
• 1:04:24
  can
• 1:04:24
  do
• 1:04:25
  it
• 1:04:25
  on
• 1:04:25
  your
• 1:04:25
  own.
• 1:04:25
  First
• 1:04:26
  step
• 1:04:26
  is
• 1:04:27
  to
• 1:04:27
  fill
• 1:04:27
  out
• 1:04:27
  that
• 1:04:28
  joy
• 1:04:28
  equation,
• 1:04:28
  that
• 1:04:29
  monthly
• 1:04:30
  expenses
• 1:04:32
  to
• 1:04:32
  get
• 1:04:32
  to
• 1:04:32
  the
• 1:04:32
  planning
• 1:04:33
  budget,
• 1:04:33
  which
• 1:04:34
  is
• 1:04:34
  the
• 1:04:34
  amount
• 1:04:34
  that
• 1:04:34
  we
• 1:04:35
  can
• 1:04:35
  plan
• 1:04:35
  with,
• 1:04:35
  the
• 1:04:36
  amount
• 1:04:36
  that
• 1:04:36
  we
• 1:04:36
  can
• 1:04:36
  dedicate
• 1:04:37
  of
• 1:04:37
  new
• 1:04:37
  dollars
• 1:04:38
  coming
• 1:04:38
  in
• 1:04:38
  from
• 1:04:39
  income
• 1:04:39
  towards
• 1:04:39
  wealth,
• 1:04:40
  towards
• 1:04:41
  net
• 1:04:41
  worth,
• 1:04:41
  building
• 1:04:42
  towards
• 1:04:42
  goals.
• 1:04:43
  So
• 1:04:43
  if
• 1:04:43
  you
• 1:04:43
  take
• 1:04:44
  your
• 1:04:44
  gross
• 1:04:44
  income,
• 1:04:45
  this
• 1:04:45
  is
• 1:04:45
  what
• 1:04:45
  my
• 1:04:45
  job
• 1:04:45
  is
• 1:04:46
  for
• 1:04:46
  my
• 1:04:46
  clients
• 1:04:46
  initially,
• 1:04:47
  gross
• 1:04:47
  income.
• 1:04:47
  Let's
• 1:04:47
  get
• 1:04:47
  the
• 1:04:47
  taxes
• 1:04:48
  down
• 1:04:48
  as
• 1:04:48
  much
• 1:04:49
  as
• 1:04:49
  possible.
• 1:04:49
  Let's
• 1:04:50
  get
• 1:04:50
  that
• 1:04:50
  bill
• 1:04:50
  to
• 1:04:50
  the
• 1:04:50
  irs,
• 1:04:51
  down
• 1:04:52
  to
• 1:04:52
  gross
• 1:04:52
  income,
• 1:04:52
  less
• 1:04:53
  taxes.
• 1:04:53
  That's
• 1:04:53
  what
• 1:04:54
  net
• 1:04:54
  of
• 1:04:55
  what
• 1:04:55
  you
• 1:04:55
  get
• 1:04:55
  to
• 1:04:55
  live
• 1:04:55
  off
• 1:04:56
  of
• 1:04:56
  or
• 1:04:56
  what
• 1:04:56
  you
• 1:04:56
  get
• 1:04:56
  to
• 1:04:57
  save.
• 1:04:57
  So
• 1:04:58
  from
• 1:04:58
  that
• 1:04:58
  bucket,
• 1:04:59
  you
• 1:04:59
  with
• 1:04:59
  me?
• 1:05:00
  Okay,
• 1:05:01
  we
• 1:05:01
  then
• 1:05:02
  take
• 1:05:02
  out
• 1:05:02
  the
• 1:05:02
  joy
• 1:05:02
  equation.
• 1:05:03
  What
• 1:05:03
  does
• 1:05:03
  it
• 1:05:03
  cost
• 1:05:04
  to
• 1:05:04
  live
• 1:05:04
  a
• 1:05:04
  joyful
• 1:05:05
  life?
• 1:05:06
  And
• 1:05:06
  then
• 1:05:06
  whatever's
• 1:05:07
  left
• 1:05:07
  over
• 1:05:07
  is
• 1:05:07
  the
• 1:05:07
  planning
• 1:05:08
  budget,
• 1:05:08
  which
• 1:05:08
  needs
• 1:05:09
  to
• 1:05:09
  be
• 1:05:09
  put
• 1:05:09
  to
• 1:05:10
  work
• 1:05:11
  intentionally
• 1:05:12
  year
• 1:05:12
  after
• 1:05:12
  year.
• 1:05:14
  Okay.
• 1:05:15
  What
• 1:05:15
  most
• 1:05:15
  people
• 1:05:16
  do
• 1:05:16
  is
• 1:05:16
  they
• 1:05:17
  say,
• 1:05:17
  let
• 1:05:17
  me
• 1:05:17
  live
• 1:05:17
  my
• 1:05:17
  life,
• 1:05:18
  I'm
• 1:05:18
  gonna.
• 1:05:18
  And
• 1:05:18
  like,
• 1:05:19
  oh,
• 1:05:19
  I
• 1:05:19
  have
• 1:05:19
  another
• 1:05:19
  extra
• 1:05:20
  500,
• 1:05:20
  I
• 1:05:21
  have
• 1:05:21
  an
• 1:05:21
  extra
• 1:05:21
  thousand
• 1:05:21
  and
• 1:05:21
  I'll
• 1:05:22
  just
• 1:05:22
  throw
• 1:05:22
  it
• 1:05:22
  into
• 1:05:22
  this
• 1:05:22
  account.
• 1:05:24
  And
• 1:05:24
  they
• 1:05:25
  try
• 1:05:25
  and
• 1:05:25
  manage
• 1:05:26
  their
• 1:05:26
  flow,
• 1:05:27
  their
• 1:05:27
  growth
• 1:05:28
  by
• 1:05:29
  their
• 1:05:29
  monthly
• 1:05:30
  expenses,
• 1:05:31
  which
• 1:05:31
  is
• 1:05:32
  again,
• 1:05:32
  failure.
• 1:05:32
  So
• 1:05:33
  if
• 1:05:33
  we
• 1:05:33
  can
• 1:05:33
  flip
• 1:05:33
  the
• 1:05:33
  frame
• 1:05:34
  and
• 1:05:34
  just
• 1:05:34
  say,
• 1:05:34
  okay,
• 1:05:35
  in
• 1:05:35
  the
• 1:05:35
  ecosystem,
• 1:05:36
  3,
• 1:05:36
  6
• 1:05:37
  to
• 1:05:37
  12
• 1:05:37
  months
• 1:05:37
  of
• 1:05:37
  cash,
• 1:05:38
  anything
• 1:05:38
  above
• 1:05:38
  and
• 1:05:38
  beyond
• 1:05:39
  should
• 1:05:39
  be
• 1:05:39
  working.
• 1:05:39
  But
• 1:05:39
  what
• 1:05:39
  about
• 1:05:40
  dollars
• 1:05:40
  coming
• 1:05:40
  in?
• 1:05:41
  We
• 1:05:42
  automate
• 1:05:42
  our
• 1:05:42
  401ks,
• 1:05:43
  those
• 1:05:43
  that
• 1:05:44
  are
• 1:05:44
  W2,
• 1:05:45
  boom,
• 1:05:45
  boom,
• 1:05:45
  boom.
• 1:05:46
  That's
• 1:05:46
  a
• 1:05:46
  planning
• 1:05:47
  budget
• 1:05:47
  of
• 1:05:47
  up
• 1:05:47
  to
• 1:05:47
  24,500
• 1:05:48
  a
• 1:05:48
  year.
• 1:05:49
  If
• 1:05:49
  you're
• 1:05:49
  doing
• 1:05:49
  it
• 1:05:49
  that
• 1:05:49
  you
• 1:05:49
  don't
• 1:05:50
  even
• 1:05:50
  think
• 1:05:50
  about
• 1:05:51
  because
• 1:05:51
  it's
• 1:05:52
  boom,
• 1:05:52
  boom,
• 1:05:52
  boom.
• 1:05:53
  So
• 1:05:53
  above
• 1:05:53
  and
• 1:05:53
  beyond
• 1:05:54
  that,
• 1:05:54
  what
• 1:05:54
  else
• 1:05:54
  can
• 1:05:54
  we
• 1:05:55
  automate?
• 1:05:55
  So
• 1:05:56
  if
• 1:05:56
  you,
• 1:05:56
  if
• 1:05:56
  you
• 1:05:56
  don't
• 1:05:57
  have
• 1:05:57
  a
• 1:05:57
  planning
• 1:05:57
  budget
• 1:05:57
  after
• 1:05:58
  you've
• 1:05:58
  gone
• 1:05:58
  through
• 1:05:59
  that
• 1:05:59
  Then
• 1:05:59
  you
• 1:05:59
  need
• 1:05:59
  to
• 1:05:59
  reduce
• 1:06:00
  your
• 1:06:00
  spending.
• 1:06:01
  You
• 1:06:01
  should
• 1:06:01
  have
• 1:06:03
  goal
• 1:06:04
  planning
• 1:06:04
  budget
• 1:06:04
  of
• 1:06:04
  20%
• 1:06:05
  of
• 1:06:05
  gross
• 1:06:06
  income.
• 1:06:07
  If
• 1:06:07
  you
• 1:06:07
  make
• 1:06:07
  a
• 1:06:08
  hundred
• 1:06:08
  thousand,
• 1:06:09
  the
• 1:06:09
  goal
• 1:06:09
  for
• 1:06:10
  the
• 1:06:10
  planning
• 1:06:10
  budget
• 1:06:10
  should
• 1:06:10
  be
• 1:06:11
  20,000.
• 1:06:13
  Okay?
• 1:06:14
  So
• 1:06:14
  when
• 1:06:14
  you
• 1:06:14
  go
• 1:06:14
  through
• 1:06:15
  that
• 1:06:15
  exercise,
• 1:06:16
  if
• 1:06:16
  you
• 1:06:16
  don't
• 1:06:16
  have
• 1:06:17
  a
• 1:06:17
  planning
• 1:06:17
  budget,
• 1:06:17
  then
• 1:06:17
  you
• 1:06:18
  need
• 1:06:18
  to
• 1:06:18
  reduce
• 1:06:18
  your
• 1:06:18
  spending.
• 1:06:19
  I'm
• 1:06:19
  sorry.
• 1:06:21
  If
• 1:06:21
  you
• 1:06:21
  do
• 1:06:22
  the
• 1:06:22
  planning
• 1:06:22
  budget
• 1:06:23
  and
• 1:06:23
  a
• 1:06:23
  lot
• 1:06:23
  of
• 1:06:24
  times
• 1:06:24
  people
• 1:06:24
  go
• 1:06:24
  through
• 1:06:24
  it
• 1:06:24
  and
• 1:06:24
  they're
• 1:06:25
  like,
• 1:06:25
  it
• 1:06:25
  says
• 1:06:25
  I
• 1:06:26
  have
• 1:06:27
  2000
• 1:06:28
  left
• 1:06:28
  over
• 1:06:28
  a
• 1:06:28
  month.
• 1:06:28
  But
• 1:06:29
  I
• 1:06:29
  don't.
• 1:06:30
  Yeah,
• 1:06:30
  because
• 1:06:30
  it's
• 1:06:31
  a
• 1:06:31
  leaky
• 1:06:31
  bucket.
• 1:06:32
  Because.
• 1:06:33
  So
• 1:06:33
  what
• 1:06:33
  you
• 1:06:33
  need
• 1:06:34
  to
• 1:06:34
  do
• 1:06:34
  is
• 1:06:34
  automate
• 1:06:34
  it.
• 1:06:35
  Automate
• 1:06:35
  it.
• 1:06:36
  You
• 1:06:36
  automate
• 1:06:36
  your
• 1:06:37
  401k,
• 1:06:37
  open
• 1:06:38
  up
• 1:06:38
  an
• 1:06:38
  individual
• 1:06:39
  or
• 1:06:39
  joint
• 1:06:39
  investment
• 1:06:40
  account.
• 1:06:40
  That's
• 1:06:40
  a
• 1:06:40
  non
• 1:06:41
  retirement
• 1:06:41
  account.
• 1:06:42
  Put
• 1:06:42
  a
• 1:06:42
  thousand
• 1:06:42
  bucks
• 1:06:43
  a
• 1:06:43
  month
• 1:06:43
  in,
• 1:06:43
  Automate
• 1:06:44
  it.
• 1:06:45
  Put
• 1:06:45
  250
• 1:06:45
  into
• 1:06:46
  your
• 1:06:46
  kids
• 1:06:46
  529s.
• 1:06:47
  Automate
• 1:06:47
  it.
• 1:06:48
  Right?
• 1:06:48
  Just.
• 1:06:48
  And
• 1:06:49
  so
• 1:06:49
  people
• 1:06:49
  will
• 1:06:49
  say,
• 1:06:50
  but
• 1:06:50
  what
• 1:06:50
  if
• 1:06:50
  I
• 1:06:51
  do
• 1:06:51
  that?
• 1:06:51
  I'm
• 1:06:51
  not
• 1:06:51
  going
• 1:06:51
  to
• 1:06:51
  be
• 1:06:52
  able
• 1:06:52
  to
• 1:06:52
  go
• 1:06:52
  on
• 1:06:52
  the
• 1:06:52
  trip
• 1:06:52
  or
• 1:06:53
  you
• 1:06:53
  know,
• 1:06:55
  test
• 1:06:55
  it
• 1:06:55
  for
• 1:06:55
  three
• 1:06:55
  months
• 1:06:55
  and
• 1:06:56
  if
• 1:06:56
  you
• 1:06:56
  come
• 1:06:56
  back
• 1:06:56
  to
• 1:06:56
  me
• 1:06:56
  and
• 1:06:57
  you
• 1:06:57
  tell
• 1:06:57
  me
• 1:06:57
  that
• 1:06:58
  your
• 1:06:58
  life
• 1:06:58
  is
• 1:06:58
  so
• 1:06:58
  miserable
• 1:06:59
  and
• 1:06:59
  you
• 1:06:59
  have
• 1:06:59
  no
• 1:06:59
  joy
• 1:07:00
  because
• 1:07:00
  we're
• 1:07:00
  putting,
• 1:07:01
  then
• 1:07:01
  we'll
• 1:07:01
  change
• 1:07:02
  it.
• 1:07:02
  But
• 1:07:02
  try
• 1:07:03
  it.
• 1:07:04
  I
• 1:07:04
  have
• 1:07:04
  not
• 1:07:04
  had
• 1:07:04
  one
• 1:07:05
  person
• 1:07:05
  ever
• 1:07:05
  come
• 1:07:05
  back
• 1:07:05
  to
• 1:07:05
  me
• 1:07:06
  to
• 1:07:06
  change
• 1:07:06
  it.
• 1:07:06
  I
• 1:07:06
  promise
• 1:07:07
  you.
• 1:07:07
  This
• 1:07:07
  is
• 1:07:07
  thousands
• 1:07:08
  of
• 1:07:08
  people.
• 1:07:09
  Our
• 1:07:09
  brain
• 1:07:10
  again
• 1:07:10
  is
• 1:07:10
  telling
• 1:07:11
  us,
• 1:07:11
  stay
• 1:07:12
  inside
• 1:07:12
  the
• 1:07:12
  cave.
• 1:07:13
  There's
• 1:07:13
  a
• 1:07:13
  saber
• 1:07:13
  tooth
• 1:07:14
  tiger
• 1:07:14
  out
• 1:07:14
  there
• 1:07:14
  that's
• 1:07:14
  going
• 1:07:14
  to
• 1:07:15
  get
• 1:07:15
  you.
• 1:07:15
  No
• 1:07:15
  right?
• 1:07:16
  Get
• 1:07:17
  out.
• 1:07:17
  Try
• 1:07:17
  totally
• 1:07:18
  pivot
• 1:07:19
  flip.
• 1:07:19
  And
• 1:07:20
  that's
• 1:07:20
  why
• 1:07:20
  our
• 1:07:20
  firm's
• 1:07:21
  called
• 1:07:21
  Ripple
• 1:07:21
  too.
• 1:07:21
  Because
• 1:07:21
  we're
• 1:07:22
  like,
• 1:07:22
  you
• 1:07:23
  know,
• 1:07:23
  like,
• 1:07:23
  it's
• 1:07:24
  like
• 1:07:24
  the
• 1:07:24
  ripple
• 1:07:24
  effect,
• 1:07:25
  but
• 1:07:25
  also
• 1:07:25
  all
• 1:07:25
  the
• 1:07:25
  snow
• 1:07:26
  melting
• 1:07:26
  and
• 1:07:26
  it
• 1:07:26
  comes
• 1:07:26
  a
• 1:07:27
  stream,
• 1:07:27
  there's
• 1:07:27
  a
• 1:07:27
  boulder
• 1:07:28
  and
• 1:07:28
  you
• 1:07:28
  go
• 1:07:28
  like.
• 1:07:28
  It's
• 1:07:28
  like
• 1:07:29
  life
• 1:07:29
  is
• 1:07:29
  intrinsic
• 1:07:30
  and
• 1:07:30
  always
• 1:07:30
  flexible
• 1:07:30
  and
• 1:07:31
  moving
• 1:07:31
  and
• 1:07:31
  flowing,
• 1:07:32
  you
• 1:07:32
  know,
• 1:07:33
  so
• 1:07:33
  get
• 1:07:33
  on
• 1:07:34
  board.
• 1:07:34
  Yes,
• 1:07:35
  get
• 1:07:35
  on
• 1:07:35
  board.
• 1:07:35
  And
• 1:07:36
  then
• 1:07:36
  that
• 1:07:36
  is
• 1:07:36
  a
• 1:07:36
  good
• 1:07:36
  point
• 1:07:37
  too.
• 1:07:37
  It's
• 1:07:37
  always
• 1:07:37
  flexible.
• 1:07:38
  It's
• 1:07:38
  always
• 1:07:38
  changeable.
• 1:07:39
  I
• 1:07:39
  think
• 1:07:39
  that
• 1:07:39
  too
• 1:07:40
  is
• 1:07:40
  like
• 1:07:40
  a
• 1:07:40
  block
• 1:07:40
  that
• 1:07:41
  people
• 1:07:41
  have.
• 1:07:41
  It's
• 1:07:41
  like,
• 1:07:42
  well,
• 1:07:42
  if
• 1:07:42
  I
• 1:07:42
  do
• 1:07:42
  it
• 1:07:42
  this
• 1:07:43
  way,
• 1:07:43
  then
• 1:07:43
  it
• 1:07:43
  has
• 1:07:43
  to
• 1:07:43
  stay
• 1:07:43
  this
• 1:07:44
  way
• 1:07:44
  forever
• 1:07:44
  and
• 1:07:44
  ever
• 1:07:44
  and
• 1:07:45
  ever.
• 1:07:45
  And
• 1:07:45
  it's
• 1:07:45
  like,
• 1:07:45
  no,
• 1:07:46
  you
• 1:07:46
  can
• 1:07:47
  always
• 1:07:47
  change,
• 1:07:48
  right?
• 1:07:48
  You
• 1:07:48
  can
• 1:07:48
  always
• 1:07:48
  be
• 1:07:48
  flexible.
• 1:07:49
  You
• 1:07:49
  a
• 1:07:49
  thousand
• 1:07:49
  dollars
• 1:07:50
  a
• 1:07:50
  month
• 1:07:50
  into
• 1:07:50
  your
• 1:07:50
  investment
• 1:07:50
  account
• 1:07:51
  and
• 1:07:51
  in
• 1:07:51
  two
• 1:07:51
  months
• 1:07:51
  you,
• 1:07:52
  it's,
• 1:07:52
  you
• 1:07:52
  can
• 1:07:53
  just
• 1:07:53
  stop
• 1:07:53
  it.
• 1:07:54
  It's
• 1:07:54
  so
• 1:07:55
  crazy
• 1:07:55
  how
• 1:07:55
  hard
• 1:07:56
  is
• 1:07:56
  people
• 1:07:56
  just
• 1:07:56
  to
• 1:07:56
  need
• 1:07:57
  to
• 1:07:57
  get
• 1:07:57
  them
• 1:07:57
  just
• 1:07:57
  to
• 1:07:58
  test
• 1:07:58
  this.
• 1:07:58
  That's
• 1:07:59
  the
• 1:07:59
  word
• 1:07:59
  I
• 1:07:59
  use
• 1:08:00
  it
• 1:08:01
  just
• 1:08:01
  to
• 1:08:01
  test
• 1:08:01
  it.
• 1:08:03
  Like
• 1:08:03
  three
• 1:08:03
  months
• 1:08:03
  later,
• 1:08:03
  they
• 1:08:04
  come
• 1:08:04
  back
• 1:08:04
  for
• 1:08:04
  their
• 1:08:05
  prelim
• 1:08:05
  strat
• 1:08:05
  session
• 1:08:06
  meeting
• 1:08:06
  and
• 1:08:06
  they're
• 1:08:06
  like,
• 1:08:06
  you're
• 1:08:07
  right,
• 1:08:07
  I
• 1:08:07
  didn't
• 1:08:07
  notice
• 1:08:07
  it.
• 1:08:07
  I'm
• 1:08:08
  like,
• 1:08:08
  baby,
• 1:08:10
  you're
• 1:08:10
  like
• 1:08:11
  mind
• 1:08:11
  value.
• 1:08:12
  Yes.
• 1:08:13
  Listen
• 1:08:14
  to
• 1:08:14
  you.
• 1:08:15
  You
• 1:08:15
  know
• 1:08:15
  what
• 1:08:15
  you're
• 1:08:15
  talking
• 1:08:16
  about.
• 1:08:16
  And
• 1:08:17
  so
• 1:08:17
  what
• 1:08:17
  else
• 1:08:17
  should
• 1:08:17
  people
• 1:08:18
  know
• 1:08:18
  about
• 1:08:18
  Ripple?
• 1:08:18
  What
• 1:08:19
  if
• 1:08:19
  they
• 1:08:19
  want
• 1:08:19
  to
• 1:08:20
  become
• 1:08:20
  a
• 1:08:20
  part
• 1:08:20
  of
• 1:08:20
  Ripple
• 1:08:21
  and
• 1:08:21
  what
• 1:08:21
  you
• 1:08:22
  guys
• 1:08:22
  are
• 1:08:22
  doing?
• 1:08:23
  Yeah,
• 1:08:23
  no,
• 1:08:23
  thanks
• 1:08:23
  for
• 1:08:24
  asking.
• 1:08:24
  So
• 1:08:24
  now
• 1:08:25
  we're
• 1:08:25
  based
• 1:08:25
  in
• 1:08:25
  Los
• 1:08:25
  Angeles.
• 1:08:26
  We
• 1:08:26
  have
• 1:08:26
  clients
• 1:08:26
  all
• 1:08:27
  over
• 1:08:27
  the
• 1:08:27
  country.
• 1:08:27
  Has
• 1:08:28
  to
• 1:08:28
  be
• 1:08:28
  US
• 1:08:28
  based,
• 1:08:28
  so
• 1:08:29
  clients
• 1:08:29
  all
• 1:08:29
  over
• 1:08:29
  the
• 1:08:29
  country.
• 1:08:31
  You
• 1:08:31
  know,
• 1:08:31
  our
• 1:08:31
  website
• 1:08:32
  is,
• 1:08:32
  it's
• 1:08:32
  Ripples,
• 1:08:32
  no
• 1:08:33
  E.
• 1:08:33
  So
• 1:08:33
  it's
• 1:08:34
  R
• 1:08:34
  I
• 1:08:34
  P
• 1:08:35
  L
• 1:08:35
  dot
• 1:08:35
  NM
• 1:08:36
  as
• 1:08:36
  in
• 1:08:36
  New
• 1:08:36
  Mexico
• 1:08:37
  dot
• 1:08:37
  com.
• 1:08:38
  And
• 1:08:38
  it's
• 1:08:38
  we're
• 1:08:39
  women
• 1:08:39
  led.
• 1:08:39
  So
• 1:08:40
  I
• 1:08:40
  have
• 1:08:40
  a
• 1:08:40
  partner
• 1:08:41
  who's
• 1:08:41
  a
• 1:08:42
  woman
• 1:08:42
  as
• 1:08:42
  well.
• 1:08:42
  We're
• 1:08:42
  a
• 1:08:43
  team
• 1:08:43
  of
• 1:08:43
  eight
• 1:08:43
  people.
• 1:08:44
  We
• 1:08:44
  do
• 1:08:45
  fee
• 1:08:45
  based
• 1:08:45
  planning,
• 1:08:45
  which
• 1:08:46
  means
• 1:08:46
  we
• 1:08:46
  charge
• 1:08:46
  a
• 1:08:46
  flat
• 1:08:47
  fee
• 1:08:47
  for
• 1:08:47
  planning
• 1:08:48
  and
• 1:08:48
  the
• 1:08:49
  fees
• 1:08:49
  can
• 1:08:49
  be
• 1:08:49
  anywhere
• 1:08:50
  from,
• 1:08:50
  you
• 1:08:50
  know,
• 1:08:51
  as
• 1:08:51
  low
• 1:08:51
  as
• 1:08:51
  2,000
• 1:08:52
  a
• 1:08:52
  year
• 1:08:53
  for
• 1:08:53
  all
• 1:08:53
  the
• 1:08:53
  counsel
• 1:08:54
  and
• 1:08:54
  advice
• 1:08:55
  up
• 1:08:55
  to,
• 1:08:55
  I
• 1:08:55
  had
• 1:08:56
  fees
• 1:08:56
  of
• 1:08:56
  50,000
• 1:08:56
  a
• 1:08:57
  year.
• 1:08:57
  It
• 1:08:57
  was
• 1:08:57
  a
• 1:08:57
  very
• 1:08:57
  complex
• 1:08:58
  estate,
• 1:08:58
  you
• 1:08:58
  know,
• 1:09:00
  so,
• 1:09:00
  you
• 1:09:01
  know,
• 1:09:01
  we
• 1:09:01
  do
• 1:09:02
  seven
• 1:09:02
  meetings
• 1:09:03
  in
• 1:09:03
  the
• 1:09:03
  first
• 1:09:03
  year
• 1:09:03
  and
• 1:09:04
  then
• 1:09:04
  two
• 1:09:04
  meetings
• 1:09:04
  thereafter.
• 1:09:05
  So
• 1:09:05
  it's
• 1:09:06
  a
• 1:09:06
  lot
• 1:09:06
  of
• 1:09:06
  foundational
• 1:09:07
  planning.
• 1:09:08
  But
• 1:09:08
  we
• 1:09:08
  do
• 1:09:09
  it
• 1:09:09
  in
• 1:09:09
  a
• 1:09:09
  way
• 1:09:09
  that's
• 1:09:09
  not
• 1:09:09
  overwhelming,
• 1:09:10
  it's
• 1:09:10
  concise,
• 1:09:10
  it's
• 1:09:11
  clear,
• 1:09:11
  it's
• 1:09:11
  fun,
• 1:09:12
  it's
• 1:09:12
  exciting,
• 1:09:13
  you
• 1:09:13
  know,
• 1:09:14
  and,
• 1:09:14
  and
• 1:09:14
  like
• 1:09:14
  you
• 1:09:15
  said,
• 1:09:15
  we
• 1:09:15
  really
• 1:09:15
  want
• 1:09:15
  to
• 1:09:15
  democratize
• 1:09:16
  that
• 1:09:16
  planning
• 1:09:16
  space.
• 1:09:19
  But
• 1:09:19
  one
• 1:09:19
  of
• 1:09:19
  the
• 1:09:19
  things
• 1:09:20
  too
• 1:09:20
  is
• 1:09:21
  I
• 1:09:22
  believe
• 1:09:22
  when
• 1:09:22
  I'm
• 1:09:23
  thinking
• 1:09:23
  about
• 1:09:23
  that
• 1:09:23
  word
• 1:09:23
  democratize,
• 1:09:24
  it's
• 1:09:24
  not
• 1:09:24
  just
• 1:09:24
  make
• 1:09:24
  it
• 1:09:25
  accessible
• 1:09:25
  to
• 1:09:25
  all
• 1:09:26
  different
• 1:09:26
  types
• 1:09:26
  of
• 1:09:27
  people
• 1:09:27
  and
• 1:09:27
  demographics
• 1:09:28
  and
• 1:09:28
  net
• 1:09:28
  worth,
• 1:09:29
  but
• 1:09:29
  it's
• 1:09:29
  also
• 1:09:29
  like
• 1:09:30
  I
• 1:09:30
  have
• 1:09:30
  clients
• 1:09:31
  that
• 1:09:31
  have
• 1:09:31
  a
• 1:09:31
  nine
• 1:09:31
  figure
• 1:09:32
  net
• 1:09:32
  worth
• 1:09:33
  that
• 1:09:34
  I'm
• 1:09:34
  bringing
• 1:09:35
  them
• 1:09:35
  ten
• 1:09:35
  figure
• 1:09:35
  net
• 1:09:35
  worth
• 1:09:36
  strategies
• 1:09:36
  for
• 1:09:36
  the
• 1:09:36
  nine
• 1:09:37
  and
• 1:09:37
  then
• 1:09:37
  the
• 1:09:37
  nine
• 1:09:37
  figure
• 1:09:38
  net
• 1:09:38
  worth
• 1:09:38
  try
• 1:09:38
  to
• 1:09:38
  bring
• 1:09:39
  into
• 1:09:39
  the
• 1:09:39
  eight
• 1:09:39
  and
• 1:09:39
  the
• 1:09:39
  eight
• 1:09:40
  figure
• 1:09:40
  net
• 1:09:40
  worth.
• 1:09:40
  So
• 1:09:40
  I'm
• 1:09:40
  bringing
• 1:09:41
  to
• 1:09:41
  the
• 1:09:41
  seven.
• 1:09:41
  So
• 1:09:42
  there's
• 1:09:42
  so
• 1:09:42
  many
• 1:09:42
  things
• 1:09:43
  that
• 1:09:43
  someone
• 1:09:43
  that
• 1:09:43
  has
• 1:09:44
  half
• 1:09:44
  a
• 1:09:44
  million
• 1:09:44
  of
• 1:09:45
  net
• 1:09:45
  worth
• 1:09:45
  or
• 1:09:45
  it
• 1:09:45
  makes,
• 1:09:46
  you
• 1:09:46
  know,
• 1:09:46
  250,000
• 1:09:47
  a
• 1:09:47
  year.
• 1:09:47
  There's
• 1:09:48
  so
• 1:09:48
  many
• 1:09:48
  strategies
• 1:09:49
  out
• 1:09:49
  there
• 1:09:50
  that
• 1:09:50
  aren't
• 1:09:50
  brought
• 1:09:51
  to
• 1:09:51
  them
• 1:09:51
  and
• 1:09:52
  they
• 1:09:52
  should
• 1:09:52
  be
• 1:09:52
  at
• 1:09:52
  scale.
• 1:09:53
  And
• 1:09:53
  so
• 1:09:53
  that's
• 1:09:54
  like,
• 1:09:54
  you
• 1:09:54
  know,
• 1:09:54
  we
• 1:09:55
  really
• 1:09:55
  want
• 1:09:55
  to
• 1:09:55
  simplify
• 1:09:55
  and
• 1:09:56
  create
• 1:09:56
  confidence
• 1:09:56
  and
• 1:09:57
  peace
• 1:09:57
  for
• 1:09:57
  our
• 1:09:57
  clients,
• 1:09:58
  user
• 1:09:59
  experience
• 1:10:00
  and
• 1:10:00
  educate
• 1:10:01
  them,
• 1:10:01
  not
• 1:10:01
  make
• 1:10:01
  them
• 1:10:02
  an
• 1:10:02
  expert
• 1:10:02
  because
• 1:10:02
  they
• 1:10:03
  only
• 1:10:03
  really
• 1:10:03
  want
• 1:10:03
  to
• 1:10:03
  know
• 1:10:03
  like
• 1:10:04
  what
• 1:10:04
  time
• 1:10:04
  it
• 1:10:04
  is,
• 1:10:05
  not
• 1:10:05
  how
• 1:10:05
  the
• 1:10:05
  clock
• 1:10:05
  is
• 1:10:05
  made
• 1:10:06
  right.
• 1:10:07
  They
• 1:10:07
  don't
• 1:10:07
  want
• 1:10:07
  to
• 1:10:08
  see
• 1:10:08
  the
• 1:10:08
  sausage
• 1:10:08
  being
• 1:10:09
  made
• 1:10:10
  right.
• 1:10:13
  You
• 1:10:13
  know,
• 1:10:14
  but
• 1:10:14
  also
• 1:10:14
  like
• 1:10:15
  up
• 1:10:15
  level
• 1:10:15
  the
• 1:10:16
  sophistication.
• 1:10:17
  Another
• 1:10:17
  big
• 1:10:17
  thing
• 1:10:18
  we
• 1:10:18
  do,
• 1:10:18
  we
• 1:10:18
  don't
• 1:10:18
  do
• 1:10:18
  your
• 1:10:19
  taxes.
• 1:10:19
  I'm
• 1:10:19
  not
• 1:10:19
  going
• 1:10:19
  to
• 1:10:20
  do
• 1:10:20
  Tax
• 1:10:20
  returns.
• 1:10:21
  But
• 1:10:22
  we
• 1:10:22
  are,
• 1:10:22
  I
• 1:10:23
  think,
• 1:10:23
  what
• 1:10:23
  most
• 1:10:23
  people
• 1:10:23
  expect
• 1:10:24
  their
• 1:10:24
  CPA
• 1:10:25
  to
• 1:10:25
  be,
• 1:10:25
  which
• 1:10:25
  is
• 1:10:25
  proactive.
• 1:10:26
  Big
• 1:10:26
  idea.
• 1:10:26
  Thinking.
• 1:10:27
  Thinking
• 1:10:27
  about,
• 1:10:27
  you
• 1:10:27
  think,
• 1:10:28
  hey,
• 1:10:28
  you
• 1:10:28
  know
• 1:10:28
  what,
• 1:10:28
  if
• 1:10:28
  we
• 1:10:28
  did
• 1:10:29
  this,
• 1:10:29
  we
• 1:10:29
  could
• 1:10:29
  trim
• 1:10:29
  10%
• 1:10:30
  off
• 1:10:31
  when
• 1:10:31
  you
• 1:10:31
  take
• 1:10:31
  the
• 1:10:31
  money
• 1:10:32
  out
• 1:10:32
  in
• 1:10:32
  10
• 1:10:32
  years,
• 1:10:32
  whatever
• 1:10:33
  it
• 1:10:33
  is.
• 1:10:33
  So
• 1:10:33
  we're
• 1:10:33
  kind
• 1:10:34
  of
• 1:10:34
  future
• 1:10:34
  tax
• 1:10:34
  planners.
• 1:10:36
  So
• 1:10:36
  our
• 1:10:37
  process.
• 1:10:37
  And
• 1:10:37
  I'd
• 1:10:37
  say,
• 1:10:37
  you
• 1:10:38
  know,
• 1:10:38
  I
• 1:10:38
  was
• 1:10:38
  thinking
• 1:10:38
  about
• 1:10:39
  this
• 1:10:39
  before
• 1:10:39
  I
• 1:10:39
  talked
• 1:10:39
  to
• 1:10:39
  my
• 1:10:39
  coo,
• 1:10:40
  and
• 1:10:40
  so
• 1:10:41
  we
• 1:10:41
  would
• 1:10:41
  like
• 1:10:41
  to
• 1:10:42
  offer,
• 1:10:42
  so
• 1:10:43
  we
• 1:10:43
  do
• 1:10:44
  30
• 1:10:45
  minute,
• 1:10:45
  one
• 1:10:45
  on
• 1:10:45
  one
• 1:10:46
  consults
• 1:10:47
  that
• 1:10:47
  we
• 1:10:47
  typically
• 1:10:48
  charge
• 1:10:48
  for
• 1:10:49
  that
• 1:10:50
  we
• 1:10:50
  would
• 1:10:50
  offer
• 1:10:51
  kind
• 1:10:51
  of
• 1:10:51
  free,
• 1:10:52
  complimentary,
• 1:10:53
  I
• 1:10:53
  guess
• 1:10:53
  I
• 1:10:53
  should
• 1:10:54
  say,
• 1:10:54
  consults
• 1:10:54
  to
• 1:10:55
  your
• 1:10:55
  listeners.
• 1:10:55
  We'll
• 1:10:56
  do
• 1:10:56
  up
• 1:10:56
  to
• 1:10:56
  30
• 1:10:58
  by
• 1:10:58
  May
• 1:10:59
  1st.
• 1:10:59
  So
• 1:11:00
  for
• 1:11:00
  the
• 1:11:00
  first
• 1:11:00
  30
• 1:11:01
  that
• 1:11:01
  reach
• 1:11:01
  out
• 1:11:01
  and
• 1:11:02
  mention
• 1:11:02
  that
• 1:11:02
  they
• 1:11:02
  listen
• 1:11:02
  to
• 1:11:03
  this
• 1:11:03
  podcast,
• 1:11:04
  we'll
• 1:11:04
  do
• 1:11:04
  that
• 1:11:04
  complimentary
• 1:11:05
  session,
• 1:11:05
  which
• 1:11:05
  really
• 1:11:06
  what
• 1:11:06
  that
• 1:11:06
  is,
• 1:11:07
  is
• 1:11:08
  we
• 1:11:08
  can
• 1:11:08
  get
• 1:11:09
  to
• 1:11:09
  know
• 1:11:09
  your
• 1:11:09
  financial
• 1:11:09
  world,
• 1:11:10
  share
• 1:11:10
  some
• 1:11:11
  templates
• 1:11:11
  and
• 1:11:11
  tools
• 1:11:11
  with
• 1:11:12
  you,
• 1:11:12
  talk
• 1:11:12
  about
• 1:11:13
  how
• 1:11:13
  we
• 1:11:13
  could
• 1:11:13
  add
• 1:11:14
  value
• 1:11:14
  if
• 1:11:14
  it
• 1:11:14
  makes
• 1:11:14
  sense.
• 1:11:15
  Because
• 1:11:15
  we're
• 1:11:15
  interviewing
• 1:11:15
  you
• 1:11:16
  too.
• 1:11:16
  Like,
• 1:11:16
  it's
• 1:11:16
  not
• 1:11:16
  like
• 1:11:16
  we're,
• 1:11:17
  you
• 1:11:17
  know,
• 1:11:18
  but,
• 1:11:18
  but
• 1:11:18
  ultimately
• 1:11:19
  what
• 1:11:19
  you'll
• 1:11:19
  walk
• 1:11:19
  away
• 1:11:20
  with
• 1:11:20
  is
• 1:11:20
  like
• 1:11:21
  more
• 1:11:21
  clarity
• 1:11:21
  and
• 1:11:21
  confidence
• 1:11:22
  about
• 1:11:22
  your
• 1:11:22
  current
• 1:11:23
  plan
• 1:11:23
  if
• 1:11:23
  you
• 1:11:23
  have
• 1:11:23
  one,
• 1:11:24
  or
• 1:11:24
  how
• 1:11:24
  to
• 1:11:24
  start
• 1:11:24
  one
• 1:11:25
  if
• 1:11:25
  you
• 1:11:25
  don't.
• 1:11:26
  And
• 1:11:26
  then,
• 1:11:26
  you
• 1:11:27
  know,
• 1:11:27
  if
• 1:11:27
  it
• 1:11:27
  feels
• 1:11:27
  like
• 1:11:27
  there's
• 1:11:28
  value
• 1:11:28
  and
• 1:11:28
  synergy,
• 1:11:29
  then
• 1:11:29
  we
• 1:11:29
  can
• 1:11:29
  talk
• 1:11:29
  about
• 1:11:30
  engaging
• 1:11:30
  in
• 1:11:30
  a
• 1:11:31
  partnership.
• 1:11:31
  So,
• 1:11:32
  yeah,
• 1:11:32
  we
• 1:11:32
  wanted
• 1:11:32
  to
• 1:11:33
  cap
• 1:11:33
  it
• 1:11:33
  at
• 1:11:33
  30,
• 1:11:33
  so
• 1:11:34
  hopefully
• 1:11:35
  that's
• 1:11:35
  helpful.
• 1:11:36
  Yeah,
• 1:11:36
  that's
• 1:11:36
  very
• 1:11:37
  helpful.
• 1:11:37
  Oh
• 1:11:37
  my
• 1:11:37
  gosh.
• 1:11:38
  Everyone
• 1:11:38
  listening
• 1:11:38
  should
• 1:11:39
  definitely
• 1:11:39
  jump
• 1:11:39
  in
• 1:11:40
  on
• 1:11:40
  that,
• 1:11:40
  you
• 1:11:40
  know,
• 1:11:40
  I
• 1:11:41
  mean,
• 1:11:41
  just
• 1:11:41
  to
• 1:11:41
  get
• 1:11:42
  that
• 1:11:42
  knowledge,
• 1:11:43
  even
• 1:11:43
  for
• 1:11:43
  that,
• 1:11:44
  you
• 1:11:44
  know,
• 1:11:44
  that
• 1:11:44
  much
• 1:11:44
  time,
• 1:11:45
  that's
• 1:11:45
  a
• 1:11:45
  wonderful
• 1:11:46
  thing.
• 1:11:46
  So
• 1:11:46
  thank
• 1:11:46
  you
• 1:11:47
  for
• 1:11:47
  that,
• 1:11:48
  turning
• 1:11:48
  the
• 1:11:48
  gears
• 1:11:49
  a
• 1:11:49
  little
• 1:11:49
  bit.
• 1:11:49
  I
• 1:11:49
  wanted
• 1:11:50
  to
• 1:11:50
  ask
• 1:11:50
  you
• 1:11:52
  about
• 1:11:52
  your
• 1:11:52
  25
• 1:11:53
  year
• 1:11:53
  old
• 1:11:53
  self.
• 1:11:54
  And
• 1:11:54
  first
• 1:11:54
  of
• 1:11:55
  all,
• 1:11:55
  what
• 1:11:55
  did
• 1:11:55
  she
• 1:11:55
  look
• 1:11:56
  like?
• 1:11:56
  What
• 1:11:56
  was
• 1:11:56
  she,
• 1:11:57
  you
• 1:11:57
  know,
• 1:11:57
  what
• 1:11:57
  was
• 1:11:57
  she
• 1:11:58
  doing?
• 1:11:58
  What
• 1:11:58
  did
• 1:11:58
  she
• 1:11:59
  look
• 1:11:59
  like?
• 1:11:59
  Like,
• 1:12:00
  how
• 1:12:00
  was
• 1:12:00
  her
• 1:12:00
  life
• 1:12:01
  going
• 1:12:01
  and
• 1:12:01
  what
• 1:12:02
  advice
• 1:12:02
  you
• 1:12:02
  would
• 1:12:02
  give
• 1:12:03
  her
• 1:12:03
  now?
• 1:12:04
  Dude,
• 1:12:05
  I've
• 1:12:05
  always
• 1:12:05
  been
• 1:12:05
  a
• 1:12:06
  hustle,
• 1:12:06
  a
• 1:12:06
  hustle
• 1:12:07
  girl.
• 1:12:07
  Like,
• 1:12:07
  you
• 1:12:08
  know,
• 1:12:08
  at
• 1:12:08
  25,
• 1:12:10
  let's
• 1:12:10
  see,
• 1:12:10
  I
• 1:12:10
  moved
• 1:12:11
  out
• 1:12:11
  to
• 1:12:11
  Los
• 1:12:11
  Angeles,
• 1:12:12
  right,
• 1:12:13
  like
• 1:12:14
  right
• 1:12:14
  around
• 1:12:14
  my
• 1:12:14
  25th
• 1:12:15
  birthday.
• 1:12:16
  And
• 1:12:16
  so
• 1:12:17
  when
• 1:12:17
  I
• 1:12:17
  got
• 1:12:17
  into
• 1:12:18
  the
• 1:12:18
  entertainment
• 1:12:18
  world,
• 1:12:19
  I
• 1:12:19
  was
• 1:12:19
  an
• 1:12:19
  assistant.
• 1:12:20
  And
• 1:12:20
  I
• 1:12:20
  was
• 1:12:20
  kind
• 1:12:20
  of
• 1:12:20
  an
• 1:12:20
  old
• 1:12:21
  assistant
• 1:12:21
  because,
• 1:12:21
  you
• 1:12:22
  know,
• 1:12:22
  you're
• 1:12:22
  kind
• 1:12:22
  of
• 1:12:22
  like,
• 1:12:23
  you
• 1:12:23
  know,
• 1:12:23
  21,
• 1:12:24
  22
• 1:12:24
  typically.
• 1:12:25
  And
• 1:12:25
  so
• 1:12:26
  I
• 1:12:27
  was
• 1:12:27
  fluent
• 1:12:27
  in
• 1:12:27
  Spanish.
• 1:12:28
  I'd
• 1:12:28
  lived
• 1:12:28
  in
• 1:12:28
  South
• 1:12:29
  America
• 1:12:29
  for
• 1:12:29
  a
• 1:12:29
  year.
• 1:12:30
  I
• 1:12:30
  got
• 1:12:30
  into
• 1:12:31
  a
• 1:12:31
  really
• 1:12:31
  cool
• 1:12:31
  company
• 1:12:32
  called
• 1:12:32
  Reveley
• 1:12:33
  that
• 1:12:33
  did
• 1:12:33
  like
• 1:12:33
  the
• 1:12:33
  Office
• 1:12:33
  and
• 1:12:34
  Ugly
• 1:12:34
  Betty
• 1:12:34
  and
• 1:12:35
  the
• 1:12:35
  Biggest
• 1:12:35
  Loser.
• 1:12:35
  So
• 1:12:36
  I
• 1:12:36
  was
• 1:12:36
  on
• 1:12:36
  the
• 1:12:36
  NBC
• 1:12:37
  Universal
• 1:12:37
  backlot,
• 1:12:38
  like
• 1:12:38
  thinking
• 1:12:38
  I
• 1:12:38
  was
• 1:12:38
  the
• 1:12:39
  queen
• 1:12:39
  of,
• 1:12:40
  you
• 1:12:40
  know,
• 1:12:41
  Hollywood.
• 1:12:42
  Like,
• 1:12:42
  six
• 1:12:42
  months
• 1:12:42
  after
• 1:12:43
  working,
• 1:12:43
  you
• 1:12:43
  know,
• 1:12:44
  like,
• 1:12:44
  the
• 1:12:44
  trolley
• 1:12:45
  would
• 1:12:45
  go
• 1:12:45
  by
• 1:12:45
  and
• 1:12:45
  I
• 1:12:45
  would
• 1:12:45
  hide,
• 1:12:46
  pretending
• 1:12:46
  that
• 1:12:46
  I
• 1:12:46
  was
• 1:12:47
  famous,
• 1:12:47
  you
• 1:12:47
  know,
• 1:12:47
  whatever.
• 1:12:48
  Like,
• 1:12:49
  you're
• 1:12:49
  like,
• 1:12:49
  I
• 1:12:50
  made
• 1:12:50
  it.
• 1:12:51
  Yeah.
• 1:12:51
  I
• 1:12:52
  mean,
• 1:12:52
  I
• 1:12:52
  just.
• 1:12:53
  I
• 1:12:54
  would
• 1:12:54
  do
• 1:12:54
  anything
• 1:12:54
  in
• 1:12:55
  the
• 1:12:55
  sense
• 1:12:55
  that.
• 1:12:55
  I
• 1:12:55
  mean,
• 1:12:55
  like,
• 1:12:55
  I.
• 1:12:56
  I
• 1:12:56
  think
• 1:12:57
  it's
• 1:12:57
  so
• 1:12:57
  important
• 1:12:59
  to.
• 1:12:59
  No
• 1:12:59
  task
• 1:13:00
  is
• 1:13:00
  below
• 1:13:00
  you.
• 1:13:00
  No
• 1:13:01
  task
• 1:13:01
  is
• 1:13:01
  above
• 1:13:01
  you.
• 1:13:01
  No
• 1:13:02
  assignment
• 1:13:02
  is
• 1:13:02
  below
• 1:13:02
  or
• 1:13:03
  above
• 1:13:03
  you
• 1:13:03
  in
• 1:13:03
  that
• 1:13:03
  time
• 1:13:04
  in
• 1:13:04
  your
• 1:13:04
  life.
• 1:13:04
  And
• 1:13:04
  so
• 1:13:05
  I
• 1:13:05
  was
• 1:13:05
  working
• 1:13:06
  with
• 1:13:06
  a
• 1:13:06
  bunch
• 1:13:06
  of
• 1:13:06
  dudes.
• 1:13:07
  It
• 1:13:07
  was
• 1:13:07
  me
• 1:13:07
  and,
• 1:13:07
  like,
• 1:13:08
  12
• 1:13:08
  dudes
• 1:13:08
  at
• 1:13:08
  this
• 1:13:09
  company,
• 1:13:09
  okay.
• 1:13:09
  And
• 1:13:10
  the
• 1:13:10
  fridge
• 1:13:10
  was
• 1:13:11
  disgusting.
• 1:13:11
  I
• 1:13:11
  remember
• 1:13:12
  one
• 1:13:12
  night
• 1:13:12
  just
• 1:13:12
  cleaning
• 1:13:12
  out
• 1:13:12
  the
• 1:13:13
  fridge,
• 1:13:13
  and
• 1:13:13
  they
• 1:13:13
  come
• 1:13:13
  in.
• 1:13:14
  It
• 1:13:14
  was
• 1:13:14
  like
• 1:13:15
  the
• 1:13:15
  biggest
• 1:13:16
  thing,
• 1:13:16
  you
• 1:13:16
  know?
• 1:13:18
  And
• 1:13:18
  then
• 1:13:18
  I
• 1:13:19
  also.
• 1:13:19
  I
• 1:13:19
  created
• 1:13:19
  a
• 1:13:20
  path
• 1:13:20
  for
• 1:13:20
  myself.
• 1:13:20
  Like,
• 1:13:21
  there
• 1:13:21
  were
• 1:13:21
  so
• 1:13:21
  many
• 1:13:22
  holes
• 1:13:22
  that
• 1:13:22
  needed
• 1:13:23
  attention,
• 1:13:23
  that
• 1:13:23
  needed
• 1:13:23
  systems,
• 1:13:24
  that
• 1:13:24
  needed,
• 1:13:25
  you
• 1:13:25
  know,
• 1:13:25
  that
• 1:13:26
  I
• 1:13:26
  just
• 1:13:26
  started
• 1:13:28
  building
• 1:13:28
  an
• 1:13:28
  acquisitions
• 1:13:29
  pipeline.
• 1:13:29
  Things
• 1:13:30
  would
• 1:13:30
  come
• 1:13:30
  in,
• 1:13:30
  and
• 1:13:30
  I
• 1:13:30
  would
• 1:13:31
  start
• 1:13:31
  to
• 1:13:31
  track
• 1:13:31
  them.
• 1:13:31
  And
• 1:13:32
  so
• 1:13:32
  it
• 1:13:32
  really.
• 1:13:33
  I
• 1:13:33
  created
• 1:13:33
  my
• 1:13:33
  own
• 1:13:33
  role.
• 1:13:34
  And
• 1:13:34
  I
• 1:13:34
  think
• 1:13:35
  if
• 1:13:35
  you
• 1:13:35
  can
• 1:13:35
  have
• 1:13:36
  that
• 1:13:36
  kind
• 1:13:36
  of
• 1:13:38
  proactive
• 1:13:39
  ability
• 1:13:39
  to
• 1:13:39
  say,
• 1:13:40
  I
• 1:13:40
  see
• 1:13:40
  a
• 1:13:41
  place
• 1:13:41
  that
• 1:13:41
  needs
• 1:13:42
  time
• 1:13:42
  and
• 1:13:42
  attention,
• 1:13:43
  and
• 1:13:43
  I'm
• 1:13:43
  going
• 1:13:43
  to
• 1:13:43
  provide
• 1:13:43
  a
• 1:13:43
  solution.
• 1:13:44
  So
• 1:13:44
  that's
• 1:13:45
  where
• 1:13:45
  I
• 1:13:45
  was.
• 1:13:47
  And
• 1:13:47
  I'm
• 1:13:48
  so
• 1:13:48
  proud
• 1:13:48
  of
• 1:13:48
  what
• 1:13:48
  I
• 1:13:48
  did
• 1:13:48
  in
• 1:13:48
  entertainment.
• 1:13:49
  I
• 1:13:49
  moved
• 1:13:49
  up
• 1:13:49
  quickly,
• 1:13:50
  and
• 1:13:50
  it
• 1:13:51
  was.
• 1:13:51
  I
• 1:13:51
  was
• 1:13:51
  really
• 1:13:52
  good
• 1:13:52
  at
• 1:13:52
  it,
• 1:13:52
  and
• 1:13:53
  I
• 1:13:53
  got
• 1:13:54
  to
• 1:13:54
  travel
• 1:13:54
  and,
• 1:13:55
  you
• 1:13:55
  know,
• 1:13:55
  just.
• 1:13:56
  But
• 1:13:56
  I
• 1:13:56
  just
• 1:13:56
  got
• 1:13:57
  to
• 1:13:57
  this
• 1:13:57
  point
• 1:13:57
  where
• 1:13:57
  I'm
• 1:13:58
  like,
• 1:13:59
  I
• 1:13:59
  was
• 1:14:00
  put
• 1:14:00
  on
• 1:14:00
  this
• 1:14:00
  planet
• 1:14:00
  to
• 1:14:01
  impact
• 1:14:02
  in
• 1:14:02
  a
• 1:14:02
  bigger
• 1:14:02
  way,
• 1:14:04
  and
• 1:14:05
  reality
• 1:14:05
  television.
• 1:14:06
  And
• 1:14:07
  Jersey
• 1:14:07
  Shore
• 1:14:08
  wasn't
• 1:14:08
  the
• 1:14:08
  one.
• 1:14:09
  Yeah,
• 1:14:09
  totally,
• 1:14:10
  totally.
• 1:14:11
  And
• 1:14:11
  that
• 1:14:11
  was
• 1:14:11
  such
• 1:14:12
  the,
• 1:14:12
  like,
• 1:14:12
  dawn
• 1:14:13
  of
• 1:14:13
  reality
• 1:14:13
  tv,
• 1:14:14
  too,
• 1:14:14
  at
• 1:14:14
  that
• 1:14:14
  time.
• 1:14:15
  I
• 1:14:15
  mean,
• 1:14:15
  I'm
• 1:14:15
  like,
• 1:14:16
  the
• 1:14:17
  high,
• 1:14:17
  like.
• 1:14:18
  I
• 1:14:18
  mean,
• 1:14:18
  it
• 1:14:18
  was
• 1:14:18
  like.
• 1:14:19
  Like
• 1:14:19
  huge,
• 1:14:20
  you
• 1:14:20
  know,
• 1:14:21
  Huge.
• 1:14:22
  Right.
• 1:14:23
  The
• 1:14:23
  top.
• 1:14:23
  Top
• 1:14:23
  of
• 1:14:24
  its
• 1:14:24
  game.
• 1:14:24
  The
• 1:14:24
  top
• 1:14:25
  of
• 1:14:25
  its
• 1:14:25
  game.
• 1:14:26
  I
• 1:14:26
  mean,
• 1:14:26
  were
• 1:14:26
  you
• 1:14:27
  working
• 1:14:27
  on
• 1:14:27
  specific
• 1:14:28
  shows
• 1:14:29
  with
• 1:14:29
  reality?
• 1:14:30
  Yeah,
• 1:14:30
  so
• 1:14:31
  I
• 1:14:31
  worked
• 1:14:31
  at
• 1:14:31
  a
• 1:14:31
  studio
• 1:14:32
  called
• 1:14:32
  Fremantle
• 1:14:33
  for
• 1:14:33
  most
• 1:14:33
  of
• 1:14:33
  my
• 1:14:33
  career,
• 1:14:34
  which
• 1:14:35
  did
• 1:14:35
  really
• 1:14:35
  big
• 1:14:36
  formats.
• 1:14:36
  So
• 1:14:37
  American
• 1:14:37
  Idol,
• 1:14:37
  America's
• 1:14:38
  Got
• 1:14:38
  Talent,
• 1:14:39
  Price
• 1:14:40
  is
• 1:14:40
  Right,
• 1:14:40
  Family
• 1:14:41
  Feud,
• 1:14:41
  all
• 1:14:42
  of
• 1:14:42
  these
• 1:14:42
  big
• 1:14:42
  shows.
• 1:14:43
  And
• 1:14:43
  so
• 1:14:43
  a
• 1:14:43
  lot
• 1:14:43
  of
• 1:14:43
  the
• 1:14:43
  work
• 1:14:43
  that
• 1:14:44
  we
• 1:14:44
  would
• 1:14:44
  do
• 1:14:44
  is
• 1:14:45
  I
• 1:14:45
  would
• 1:14:45
  go
• 1:14:45
  to
• 1:14:45
  Cannes
• 1:14:46
  twice
• 1:14:46
  a
• 1:14:46
  year.
• 1:14:47
  And,
• 1:14:47
  you
• 1:14:47
  know,
• 1:14:48
  at
• 1:14:48
  one
• 1:14:48
  point,
• 1:14:48
  there
• 1:14:48
  was
• 1:14:48
  like,
• 1:14:49
  65American
• 1:14:51
  Idols,
• 1:14:51
  you
• 1:14:52
  know,
• 1:14:52
  meaning
• 1:14:52
  Australian
• 1:14:53
  Idol
• 1:14:53
  and,
• 1:14:54
  you
• 1:14:54
  know,
• 1:14:55
  and,
• 1:14:56
  you
• 1:14:56
  know,
• 1:14:57
  Dubai
• 1:14:58
  Idol
• 1:14:58
  and
• 1:14:58
  all
• 1:14:58
  of
• 1:14:58
  these
• 1:14:59
  things
• 1:14:59
  across
• 1:15:00
  the
• 1:15:00
  world
• 1:15:00
  that
• 1:15:00
  were
• 1:15:00
  happening.
• 1:15:01
  And
• 1:15:01
  so
• 1:15:01
  that
• 1:15:01
  was
• 1:15:01
  my
• 1:15:02
  job
• 1:15:02
  to,
• 1:15:03
  you
• 1:15:04
  know,
• 1:15:04
  sell
• 1:15:04
  those
• 1:15:05
  formats
• 1:15:05
  to
• 1:15:05
  other
• 1:15:05
  countries.
• 1:15:06
  And
• 1:15:08
  Britain's
• 1:15:08
  Got
• 1:15:08
  Talent,
• 1:15:08
  America's
• 1:15:09
  Got
• 1:15:09
  Talent,
• 1:15:09
  you
• 1:15:09
  know,
• 1:15:10
  all
• 1:15:10
  of
• 1:15:10
  those
• 1:15:10
  things.
• 1:15:10
  So
• 1:15:10
  that
• 1:15:10
  was.
• 1:15:11
  That
• 1:15:11
  was
• 1:15:11
  one
• 1:15:12
  part
• 1:15:12
  of
• 1:15:12
  my
• 1:15:12
  job
• 1:15:12
  that
• 1:15:12
  was
• 1:15:12
  really
• 1:15:13
  fun
• 1:15:13
  working
• 1:15:13
  on
• 1:15:13
  those,
• 1:15:14
  like,
• 1:15:14
  big,
• 1:15:14
  shiny,
• 1:15:15
  you
• 1:15:15
  know,
• 1:15:16
  they
• 1:15:16
  called
• 1:15:16
  the
• 1:15:16
  shiny
• 1:15:16
  floor
• 1:15:17
  Game
• 1:15:17
  shows,
• 1:15:17
  shiny
• 1:15:18
  floor
• 1:15:18
  show,
• 1:15:19
  the
• 1:15:19
  voice,
• 1:15:19
  things
• 1:15:20
  of
• 1:15:20
  that
• 1:15:20
  nature.
• 1:15:23
  And
• 1:15:23
  then
• 1:15:23
  the
• 1:15:23
  other
• 1:15:24
  part
• 1:15:24
  of
• 1:15:24
  it
• 1:15:24
  was
• 1:15:26
  I
• 1:15:26
  would
• 1:15:26
  acquire
• 1:15:27
  what
• 1:15:27
  we
• 1:15:27
  call
• 1:15:27
  finished
• 1:15:28
  tape.
• 1:15:28
  So
• 1:15:28
  U.S.
• 1:15:29
  shows
• 1:15:29
  that
• 1:15:30
  were,
• 1:15:31
  you
• 1:15:31
  know,
• 1:15:31
  produced.
• 1:15:32
  So
• 1:15:33
  let's
• 1:15:34
  think
• 1:15:34
  of,
• 1:15:34
  like,
• 1:15:34
  remember,
• 1:15:34
  like,
• 1:15:34
  Deadliest
• 1:15:35
  Catch
• 1:15:35
  that
• 1:15:35
  was
• 1:15:35
  on
• 1:15:35
  history,
• 1:15:36
  like
• 1:15:36
  that,
• 1:15:37
  you
• 1:15:37
  know,
• 1:15:37
  so
• 1:15:38
  that
• 1:15:38
  show
• 1:15:39
  created
• 1:15:39
  a
• 1:15:39
  whole
• 1:15:40
  spawn
• 1:15:40
  of,
• 1:15:40
  you
• 1:15:41
  know,
• 1:15:41
  different
• 1:15:41
  types
• 1:15:41
  of
• 1:15:42
  reality
• 1:15:42
  shows
• 1:15:42
  that
• 1:15:42
  were,
• 1:15:42
  like,
• 1:15:42
  male
• 1:15:43
  focused,
• 1:15:43
  and
• 1:15:44
  so
• 1:15:44
  that.
• 1:15:44
  And
• 1:15:45
  so,
• 1:15:45
  you
• 1:15:45
  know,
• 1:15:45
  we
• 1:15:45
  would.
• 1:15:46
  I
• 1:15:46
  would
• 1:15:46
  do
• 1:15:46
  deals
• 1:15:46
  with
• 1:15:47
  the
• 1:15:47
  networks
• 1:15:47
  of
• 1:15:47
  the
• 1:15:48
  production
• 1:15:48
  companies,
• 1:15:48
  and
• 1:15:49
  I
• 1:15:49
  would
• 1:15:49
  say,
• 1:15:49
  hey,
• 1:15:49
  like,
• 1:15:49
  let's
• 1:15:50
  sell
• 1:15:50
  this
• 1:15:50
  US
• 1:15:51
  show,
• 1:15:52
  you
• 1:15:52
  know,
• 1:15:52
  to
• 1:15:52
  Australia
• 1:15:53
  or
• 1:15:53
  to
• 1:15:54
  France
• 1:15:54
  or
• 1:15:54
  to
• 1:15:54
  whatever.
• 1:15:55
  And
• 1:15:55
  that
• 1:15:55
  was
• 1:15:56
  before
• 1:15:56
  things
• 1:15:56
  were
• 1:15:57
  global,
• 1:15:58
  you
• 1:15:58
  know,
• 1:15:58
  where
• 1:15:58
  you
• 1:15:58
  had
• 1:15:58
  to
• 1:15:59
  literally
• 1:15:59
  do
• 1:15:59
  a
• 1:15:59
  deal
• 1:16:00
  to.
• 1:16:00
  To,
• 1:16:00
  you
• 1:16:01
  know,
• 1:16:01
  to
• 1:16:01
  license
• 1:16:02
  the
• 1:16:02
  rights
• 1:16:02
  to
• 1:16:03
  air
• 1:16:03
  and
• 1:16:03
  show
• 1:16:03
  one
• 1:16:04
  country
• 1:16:04
  the
• 1:16:04
  other.
• 1:16:04
  Now
• 1:16:04
  it's
• 1:16:05
  just
• 1:16:05
  like,
• 1:16:05
  Netflix
• 1:16:06
  Global.
• 1:16:07
  Yeah,
• 1:16:08
  totally.
• 1:16:08
  Everything
• 1:16:08
  you
• 1:16:09
  goes
• 1:16:09
  to
• 1:16:09
  Netflix
• 1:16:10
  and
• 1:16:10
  it's
• 1:16:10
  like,
• 1:16:10
  everywhere,
• 1:16:11
  you
• 1:16:11
  know?
• 1:16:12
  Yeah.
• 1:16:13
  Oh,
• 1:16:13
  wow.
• 1:16:15
  Yeah.
• 1:16:15
  I
• 1:16:16
  mean,
• 1:16:16
  I
• 1:16:16
  think
• 1:16:16
  people
• 1:16:16
  look
• 1:16:16
  at
• 1:16:17
  it
• 1:16:17
  and
• 1:16:17
  they're
• 1:16:17
  like,
• 1:16:17
  oh,
• 1:16:17
  it's
• 1:16:18
  all
• 1:16:18
  glamor
• 1:16:18
  because
• 1:16:18
  it's
• 1:16:19
  entertainment.
• 1:16:19
  But
• 1:16:19
  that's
• 1:16:20
  what
• 1:16:20
  I
• 1:16:21
  tell
• 1:16:21
  people
• 1:16:21
  all
• 1:16:21
  the
• 1:16:21
  time,
• 1:16:21
  too.
• 1:16:22
  I'm
• 1:16:22
  like,
• 1:16:22
  it
• 1:16:22
  is
• 1:16:22
  so
• 1:16:23
  not
• 1:16:24
  glamorous
• 1:16:25
  when
• 1:16:25
  you're
• 1:16:26
  in
• 1:16:26
  it.
• 1:16:27
  Dude.
• 1:16:27
  I'm
• 1:16:28
  so
• 1:16:28
  glad
• 1:16:28
  that
• 1:16:29
  I'm
• 1:16:29
  not
• 1:16:29
  in
• 1:16:29
  the
• 1:16:29
  entertainment
• 1:16:30
  anymore.
• 1:16:30
  I
• 1:16:30
  mean,
• 1:16:30
  the
• 1:16:30
  amount
• 1:16:31
  of
• 1:16:31
  clients
• 1:16:31
  I
• 1:16:31
  have
• 1:16:31
  in
• 1:16:31
  the
• 1:16:31
  entertainment
• 1:16:32
  world
• 1:16:32
  that
• 1:16:32
  are
• 1:16:32
  just
• 1:16:33
  like,
• 1:16:33
  how
• 1:16:33
  do
• 1:16:33
  I
• 1:16:33
  get
• 1:16:33
  out?
• 1:16:33
  And
• 1:16:34
  that's
• 1:16:34
  one
• 1:16:34
  of
• 1:16:34
  the
• 1:16:34
  things
• 1:16:34
  that
• 1:16:34
  we've
• 1:16:35
  been
• 1:16:35
  doing,
• 1:16:35
  is
• 1:16:35
  transition
• 1:16:36
  plans.
• 1:16:36
  I
• 1:16:37
  love
• 1:16:37
  helping,
• 1:16:38
  especially
• 1:16:38
  midlife.
• 1:16:38
  Like,
• 1:16:39
  it's
• 1:16:39
  like,
• 1:16:39
  I've
• 1:16:39
  been
• 1:16:40
  doing
• 1:16:40
  this
• 1:16:40
  my
• 1:16:40
  whole
• 1:16:40
  life,
• 1:16:40
  so,
• 1:16:41
  like,
• 1:16:41
  how
• 1:16:41
  do
• 1:16:41
  I
• 1:16:42
  transition
• 1:16:43
  out
• 1:16:43
  of
• 1:16:43
  this
• 1:16:43
  or
• 1:16:43
  move
• 1:16:43
  into
• 1:16:44
  consulting
• 1:16:44
  or,
• 1:16:45
  you
• 1:16:45
  know,
• 1:16:45
  and
• 1:16:46
  have
• 1:16:46
  the
• 1:16:46
  golden
• 1:16:47
  handcuffs
• 1:16:47
  of
• 1:16:47
  the
• 1:16:47
  equity
• 1:16:48
  compensation
• 1:16:48
  or
• 1:16:49
  whatever
• 1:16:49
  it
• 1:16:49
  is?
• 1:16:49
  Like,
• 1:16:50
  I
• 1:16:50
  love
• 1:16:51
  that
• 1:16:51
  kind
• 1:16:51
  of
• 1:16:51
  work
• 1:16:52
  because
• 1:16:52
  I
• 1:16:52
  did
• 1:16:52
  it,
• 1:16:53
  and
• 1:16:53
  I
• 1:16:53
  know
• 1:16:53
  it's
• 1:16:53
  possible,
• 1:16:54
  but
• 1:16:54
  you
• 1:16:55
  just
• 1:16:55
  have
• 1:16:55
  to
• 1:16:55
  have
• 1:16:55
  a
• 1:16:55
  plan,
• 1:16:56
  right?
• 1:16:57
  It's
• 1:16:57
  like,
• 1:16:57
  we
• 1:16:57
  have
• 1:16:57
  enough
• 1:16:58
  cash
• 1:16:58
  flow
• 1:16:58
  for
• 1:16:58
  this
• 1:16:59
  long,
• 1:16:59
  and
• 1:16:59
  then
• 1:16:59
  we
• 1:16:59
  do
• 1:16:59
  this,
• 1:17:00
  and
• 1:17:00
  then
• 1:17:00
  if
• 1:17:00
  it
• 1:17:00
  doesn't
• 1:17:00
  work,
• 1:17:00
  guess
• 1:17:01
  what?
• 1:17:01
  You
• 1:17:01
  go
• 1:17:01
  back.
• 1:17:02
  Yeah.
• 1:17:02
  Yeah,
• 1:17:03
  totally,
• 1:17:05
  totally.
• 1:17:06
  Like,
• 1:17:06
  people
• 1:17:06
  should
• 1:17:07
  not,
• 1:17:07
  you
• 1:17:07
  know,
• 1:17:08
  it's.
• 1:17:08
  There's
• 1:17:08
  always
• 1:17:09
  possibility.
• 1:17:09
  Like,
• 1:17:10
  always
• 1:17:10
  possibility.
• 1:17:11
  You
• 1:17:11
  know,
• 1:17:11
  whether
• 1:17:12
  it's
• 1:17:12
  a
• 1:17:12
  career
• 1:17:12
  pivot,
• 1:17:13
  a
• 1:17:13
  divorce,
• 1:17:14
  you
• 1:17:14
  know,
• 1:17:15
  some
• 1:17:15
  big
• 1:17:15
  life
• 1:17:16
  change.
• 1:17:16
  There's
• 1:17:17
  always
• 1:17:17
  a
• 1:17:17
  way
• 1:17:18
  to,
• 1:17:18
  you
• 1:17:18
  know,
• 1:17:18
  work
• 1:17:19
  around
• 1:17:19
  that,
• 1:17:20
  financially
• 1:17:20
  speaking,
• 1:17:21
  you
• 1:17:21
  know.
• 1:17:22
  So
• 1:17:23
  what
• 1:17:23
  is
• 1:17:23
  the
• 1:17:23
  biggest
• 1:17:23
  lesson
• 1:17:24
  you've
• 1:17:24
  learned
• 1:17:24
  in
• 1:17:24
  midlife?
• 1:17:25
  God,
• 1:17:26
  you
• 1:17:26
  know,
• 1:17:26
  I've
• 1:17:26
  always.
• 1:17:28
  I
• 1:17:28
  was
• 1:17:29
  grateful
• 1:17:30
  to
• 1:17:30
  my
• 1:17:30
  mother
• 1:17:30
  for,
• 1:17:30
  like,
• 1:17:31
  raising
• 1:17:31
  me
• 1:17:31
  in
• 1:17:31
  a
• 1:17:31
  very,
• 1:17:31
  like,
• 1:17:32
  conscious
• 1:17:32
  universe.
• 1:17:32
  Like,
• 1:17:33
  I
• 1:17:33
  read
• 1:17:33
  Edgar
• 1:17:33
  Tolle's
• 1:17:34
  Power
• 1:17:34
  of
• 1:17:34
  now
• 1:17:34
  at
• 1:17:34
  21,
• 1:17:35
  and
• 1:17:36
  it
• 1:17:36
  totally
• 1:17:36
  changed
• 1:17:37
  my
• 1:17:37
  life
• 1:17:37
  just
• 1:17:38
  about
• 1:17:38
  the
• 1:17:39
  present.
• 1:17:39
  And,
• 1:17:39
  you
• 1:17:39
  know,
• 1:17:40
  Just,
• 1:17:40
  just
• 1:17:40
  really
• 1:17:40
  like
• 1:17:41
  controlling
• 1:17:41
  what
• 1:17:41
  you
• 1:17:41
  can
• 1:17:42
  control.
• 1:17:42
  And
• 1:17:43
  you
• 1:17:43
  know,
• 1:17:45
  and
• 1:17:45
  you
• 1:17:46
  know,
• 1:17:46
  I
• 1:17:46
  remember
• 1:17:46
  reading
• 1:17:47
  once
• 1:17:47
  really
• 1:17:47
  early
• 1:17:47
  on
• 1:17:48
  that
• 1:17:48
  women's
• 1:17:48
  intuition
• 1:17:49
  is
• 1:17:50
  one
• 1:17:50
  of
• 1:17:50
  the
• 1:17:51
  most
• 1:17:51
  powerful,
• 1:17:51
  if
• 1:17:51
  not
• 1:17:51
  like
• 1:17:52
  the
• 1:17:52
  most
• 1:17:52
  powerful
• 1:17:53
  tool
• 1:17:54
  in
• 1:17:55
  existence.
• 1:17:55
  That's
• 1:17:56
  a
• 1:17:56
  big
• 1:17:56
  statement.
• 1:17:57
  And
• 1:17:57
  that
• 1:17:57
  we
• 1:17:58
  typically
• 1:17:58
  only
• 1:17:58
  use
• 1:17:58
  about
• 1:17:59
  10%
• 1:17:59
  of
• 1:18:00
  our
• 1:18:00
  intuition
• 1:18:00
  when
• 1:18:00
  we
• 1:18:01
  know,
• 1:18:01
  we
• 1:18:01
  feel
• 1:18:01
  and
• 1:18:01
  we
• 1:18:02
  know
• 1:18:02
  something
• 1:18:03
  and
• 1:18:03
  our
• 1:18:04
  body
• 1:18:04
  is
• 1:18:04
  telling
• 1:18:04
  us
• 1:18:04
  something,
• 1:18:05
  or,
• 1:18:05
  you
• 1:18:05
  know,
• 1:18:05
  it's
• 1:18:05
  telling
• 1:18:06
  us
• 1:18:06
  something,
• 1:18:06
  but
• 1:18:06
  we
• 1:18:06
  suppress
• 1:18:07
  it
• 1:18:07
  and
• 1:18:07
  we
• 1:18:07
  put
• 1:18:07
  it
• 1:18:07
  down.
• 1:18:08
  And
• 1:18:09
  so
• 1:18:09
  I
• 1:18:09
  think
• 1:18:10
  in
• 1:18:10
  midlife
• 1:18:11
  I
• 1:18:11
  try
• 1:18:12
  and
• 1:18:12
  increase,
• 1:18:13
  you
• 1:18:13
  know,
• 1:18:13
  the
• 1:18:15
  amount
• 1:18:15
  of
• 1:18:15
  intuition
• 1:18:16
  I
• 1:18:16
  listen
• 1:18:16
  to
• 1:18:16
  by
• 1:18:16
  a
• 1:18:17
  percent
• 1:18:17
  per
• 1:18:17
  year.
• 1:18:19
  That's
• 1:18:19
  good.
• 1:18:20
  That's
• 1:18:20
  a
• 1:18:20
  positive
• 1:18:21
  change.
• 1:18:22
  25%.
• 1:18:23
  My
• 1:18:23
  team
• 1:18:24
  is
• 1:18:24
  like,
• 1:18:24
  don't
• 1:18:24
  you
• 1:18:24
  go
• 1:18:25
  over
• 1:18:25
  50?
• 1:18:25
  We
• 1:18:25
  have
• 1:18:25
  to
• 1:18:26
  use
• 1:18:26
  data
• 1:18:26
  and
• 1:18:26
  analysis
• 1:18:27
  to
• 1:18:27
  make
• 1:18:27
  decisions.
• 1:18:28
  I'm
• 1:18:28
  like,
• 1:18:28
  this
• 1:18:28
  just
• 1:18:29
  feels
• 1:18:29
  right.
• 1:18:29
  Let's
• 1:18:30
  go
• 1:18:30
  with
• 1:18:30
  this.
• 1:18:32
  We
• 1:18:32
  appreciate
• 1:18:32
  your
• 1:18:32
  visionary
• 1:18:33
  aspect,
• 1:18:33
  but
• 1:18:34
  so
• 1:18:34
  I
• 1:18:34
  just
• 1:18:34
  think
• 1:18:35
  like
• 1:18:35
  really
• 1:18:35
  paying
• 1:18:35
  attention
• 1:18:37
  and
• 1:18:37
  creating
• 1:18:38
  space
• 1:18:38
  to
• 1:18:38
  pay
• 1:18:38
  attention
• 1:18:39
  to
• 1:18:39
  your
• 1:18:39
  intuition.
• 1:18:41
  Yeah,
• 1:18:41
  I
• 1:18:41
  like
• 1:18:42
  that.
• 1:18:42
  Compounded.
• 1:18:43
  Compounded
• 1:18:44
  intuition.
• 1:18:45
  Yeah,
• 1:18:46
  there
• 1:18:46
  it
• 1:18:46
  is.
• 1:18:47
  Yeah.
• 1:18:48
  You
• 1:18:48
  know,
• 1:18:48
  because
• 1:18:48
  we
• 1:18:49
  don't
• 1:18:49
  have
• 1:18:49
  it,
• 1:18:49
  we
• 1:18:49
  all
• 1:18:49
  know
• 1:18:49
  it,
• 1:18:50
  eventually
• 1:18:50
  it's
• 1:18:50
  going
• 1:18:50
  to,
• 1:18:51
  going
• 1:18:51
  to
• 1:18:51
  come
• 1:18:52
  out.
• 1:18:52
  So
• 1:18:52
  listen
• 1:18:53
  to
• 1:18:53
  it.
• 1:18:53
  It
• 1:18:54
  very
• 1:18:54
  rarely
• 1:18:54
  leads
• 1:18:55
  you
• 1:18:55
  the
• 1:18:55
  wrong
• 1:18:55
  way.
• 1:18:56
  It's
• 1:18:56
  usually
• 1:18:57
  exactly
• 1:18:57
  where
• 1:18:57
  you
• 1:18:58
  need
• 1:18:58
  to
• 1:18:58
  go.
• 1:18:58
  You
• 1:18:59
  know,
• 1:18:59
  I
• 1:18:59
  tell
• 1:19:00
  my
• 1:19:00
  clients
• 1:19:00
  when
• 1:19:00
  I'm
• 1:19:01
  kind
• 1:19:01
  of
• 1:19:01
  giving
• 1:19:01
  my
• 1:19:01
  initial
• 1:19:02
  deck
• 1:19:02
  presentation,
• 1:19:03
  you
• 1:19:03
  know,
• 1:19:04
  like
• 1:19:04
  that
• 1:19:05
  as
• 1:19:05
  part,
• 1:19:06
  we
• 1:19:06
  have
• 1:19:06
  a
• 1:19:06
  financial
• 1:19:06
  freedom
• 1:19:07
  formula,
• 1:19:07
  which
• 1:19:07
  is
• 1:19:07
  our
• 1:19:07
  five
• 1:19:08
  step
• 1:19:08
  wealth
• 1:19:08
  building
• 1:19:08
  system.
• 1:19:09
  And
• 1:19:10
  the
• 1:19:10
  fifth
• 1:19:10
  step
• 1:19:10
  is
• 1:19:12
  being
• 1:19:13
  uncomfortably
• 1:19:13
  comfortable
• 1:19:15
  is
• 1:19:16
  I
• 1:19:16
  want
• 1:19:16
  to
• 1:19:16
  like
• 1:19:16
  trademark
• 1:19:17
  that
• 1:19:17
  of
• 1:19:17
  just,
• 1:19:18
  you
• 1:19:18
  know,
• 1:19:19
  I
• 1:19:19
  love
• 1:19:19
  Jen
• 1:19:19
  Sincero's
• 1:19:20
  badass
• 1:19:20
  book.
• 1:19:20
  I
• 1:19:21
  read
• 1:19:21
  that
• 1:19:21
  book
• 1:19:21
  when
• 1:19:22
  I
• 1:19:22
  was
• 1:19:22
  leaving
• 1:19:22
  entertainment
• 1:19:23
  and
• 1:19:23
  moving.
• 1:19:24
  And
• 1:19:24
  she
• 1:19:24
  had
• 1:19:25
  a
• 1:19:25
  quote
• 1:19:25
  in
• 1:19:25
  there
• 1:19:26
  that
• 1:19:26
  says,
• 1:19:26
  like,
• 1:19:27
  if
• 1:19:27
  you
• 1:19:27
  want
• 1:19:27
  to
• 1:19:27
  live
• 1:19:27
  a
• 1:19:27
  life
• 1:19:27
  you've
• 1:19:28
  never
• 1:19:28
  lived,
• 1:19:28
  you
• 1:19:28
  have
• 1:19:28
  to
• 1:19:29
  do
• 1:19:29
  things
• 1:19:29
  you've
• 1:19:29
  never
• 1:19:29
  done.
• 1:19:31
  And
• 1:19:31
  I
• 1:19:32
  feel
• 1:19:32
  like
• 1:19:32
  that
• 1:19:32
  with
• 1:19:32
  finances,
• 1:19:33
  you
• 1:19:33
  know,
• 1:19:33
  so
• 1:19:33
  I'm
• 1:19:34
  sitting
• 1:19:34
  there
• 1:19:34
  telling
• 1:19:34
  someone,
• 1:19:34
  like,
• 1:19:35
  listen,
• 1:19:35
  if
• 1:19:35
  you
• 1:19:35
  want
• 1:19:35
  someone
• 1:19:36
  that's
• 1:19:36
  going
• 1:19:36
  to
• 1:19:36
  be
• 1:19:37
  sit
• 1:19:37
  back
• 1:19:37
  and
• 1:19:37
  let
• 1:19:37
  you
• 1:19:38
  make
• 1:19:38
  emotional,
• 1:19:38
  logical
• 1:19:39
  choices
• 1:19:39
  with
• 1:19:39
  your
• 1:19:39
  money,
• 1:19:40
  like,
• 1:19:40
  don't
• 1:19:41
  partner
• 1:19:41
  with
• 1:19:41
  me
• 1:19:43
  because
• 1:19:43
  I'm
• 1:19:43
  going
• 1:19:44
  to.
• 1:19:44
  I'm
• 1:19:44
  on
• 1:19:44
  your
• 1:19:44
  team,
• 1:19:45
  but
• 1:19:45
  we
• 1:19:45
  are
• 1:19:45
  going
• 1:19:45
  to
• 1:19:46
  talk
• 1:19:46
  about
• 1:19:46
  why
• 1:19:46
  are
• 1:19:47
  you
• 1:19:47
  making
• 1:19:47
  this
• 1:19:47
  decision?
• 1:19:47
  What
• 1:19:48
  is
• 1:19:48
  the,
• 1:19:48
  you
• 1:19:48
  know,
• 1:19:49
  like.
• 1:19:49
  And
• 1:19:50
  I
• 1:19:50
  want
• 1:19:50
  you
• 1:19:50
  to
• 1:19:51
  be
• 1:19:51
  uncomfortably
• 1:19:51
  comfortable.
• 1:19:53
  That's
• 1:19:53
  going
• 1:19:53
  to
• 1:19:54
  feel
• 1:19:54
  scary
• 1:19:54
  and
• 1:19:54
  it
• 1:19:55
  should,
• 1:19:55
  because
• 1:19:55
  vulnerable
• 1:19:56
  vulnerability.
• 1:19:57
  Thank
• 1:19:57
  you.
• 1:19:57
  Brene
• 1:19:57
  Brown.
• 1:19:58
  Right.
• 1:19:58
  Is
• 1:19:59
  a
• 1:19:59
  synonym
• 1:20:00
  to
• 1:20:00
  courage.
• 1:20:02
  That's
• 1:20:02
  what
• 1:20:02
  it
• 1:20:03
  is.
• 1:20:04
  A
• 1:20:04
  lot
• 1:20:04
  of
• 1:20:04
  courage
• 1:20:04
  in
• 1:20:05
  our
• 1:20:05
  midlife
• 1:20:05
  with
• 1:20:05
  our
• 1:20:05
  money.
• 1:20:07
  We
• 1:20:07
  haven't
• 1:20:08
  had
• 1:20:08
  how
• 1:20:08
  to
• 1:20:08
  do
• 1:20:08
  that.
• 1:20:09
  Yes.
• 1:20:11
  Reprogramming
• 1:20:12
  ourselves
• 1:20:12
  to
• 1:20:12
  think
• 1:20:13
  about
• 1:20:13
  money
• 1:20:13
  a
• 1:20:13
  totally
• 1:20:14
  different
• 1:20:14
  way
• 1:20:14
  than
• 1:20:15
  what
• 1:20:15
  we've
• 1:20:15
  been
• 1:20:15
  used
• 1:20:15
  to,
• 1:20:16
  you
• 1:20:16
  know,
• 1:20:16
  it's
• 1:20:16
  not
• 1:20:16
  that
• 1:20:17
  hard.
• 1:20:17
  I'm
• 1:20:17
  telling
• 1:20:17
  you.
• 1:20:18
  It
• 1:20:18
  does
• 1:20:18
  not
• 1:20:18
  take
• 1:20:18
  a
• 1:20:18
  ton
• 1:20:19
  of
• 1:20:19
  time.
• 1:20:19
  You
• 1:20:20
  just
• 1:20:20
  have
• 1:20:20
  to
• 1:20:20
  cry.
• 1:20:21
  Like
• 1:20:21
  20%
• 1:20:22
  of
• 1:20:22
  people
• 1:20:22
  cry.
• 1:20:22
  The
• 1:20:23
  person
• 1:20:23
  they
• 1:20:23
  talk
• 1:20:23
  to
• 1:20:23
  you
• 1:20:23
  within
• 1:20:24
  10
• 1:20:24
  minutes.
• 1:20:24
  Really?
• 1:20:25
  Yes.
• 1:20:26
  Wow.
• 1:20:27
  Yes.
• 1:20:28
  And
• 1:20:28
  they
• 1:20:28
  come
• 1:20:28
  in
• 1:20:28
  like,
• 1:20:29
  why
• 1:20:29
  am
• 1:20:30
  I
• 1:20:30
  here?
• 1:20:30
  This
• 1:20:30
  is
• 1:20:30
  another
• 1:20:30
  bullshit
• 1:20:31
  financial.
• 1:20:33
  And
• 1:20:33
  then
• 1:20:33
  I.
• 1:20:33
  And
• 1:20:34
  then
• 1:20:34
  they
• 1:20:34
  realize
• 1:20:35
  that
• 1:20:36
  they
• 1:20:36
  have
• 1:20:36
  a
• 1:20:37
  huge
• 1:20:37
  barrier
• 1:20:38
  inside
• 1:20:38
  of
• 1:20:38
  them.
• 1:20:38
  They
• 1:20:39
  have
• 1:20:39
  this
• 1:20:39
  whole
• 1:20:39
  stuff
• 1:20:40
  that's
• 1:20:40
  been
• 1:20:40
  locked
• 1:20:40
  up
• 1:20:40
  and
• 1:20:40
  it
• 1:20:41
  comes
• 1:20:41
  out
• 1:20:42
  that's
• 1:20:43
  overwhelming.
• 1:20:45
  And
• 1:20:45
  we,
• 1:20:46
  we
• 1:20:46
  honor
• 1:20:46
  it
• 1:20:46
  and
• 1:20:46
  we
• 1:20:47
  look
• 1:20:47
  at
• 1:20:47
  it
• 1:20:47
  and
• 1:20:47
  we
• 1:20:47
  say,
• 1:20:47
  this
• 1:20:47
  is
• 1:20:47
  it.
• 1:20:48
  So
• 1:20:48
  are
• 1:20:48
  you,
• 1:20:48
  you
• 1:20:49
  know,
• 1:20:49
  like,
• 1:20:49
  are
• 1:20:49
  you
• 1:20:49
  ready
• 1:20:50
  to
• 1:20:50
  elevate?
• 1:20:50
  And
• 1:20:50
  it's
• 1:20:51
  like,
• 1:20:51
  that's
• 1:20:51
  the
• 1:20:52
  first
• 1:20:52
  step
• 1:20:52
  though,
• 1:20:52
  is,
• 1:20:53
  is,
• 1:20:53
  is,
• 1:20:54
  you
• 1:20:54
  know,
• 1:20:54
  changing
• 1:20:56
  your
• 1:20:56
  mindset
• 1:20:57
  and,
• 1:20:57
  and,
• 1:20:57
  and,
• 1:20:58
  and
• 1:20:58
  acknowledging
• 1:20:59
  the
• 1:20:59
  limiting
• 1:21:00
  beliefs
• 1:21:00
  that
• 1:21:00
  you
• 1:21:00
  have
• 1:21:00
  around
• 1:21:00
  money.
• 1:21:01
  Acknowledging
• 1:21:01
  them,
• 1:21:02
  seeing
• 1:21:02
  them,
• 1:21:03
  feeling
• 1:21:03
  them,
• 1:21:03
  and
• 1:21:03
  then
• 1:21:04
  spelling
• 1:21:04
  them
• 1:21:04
  and
• 1:21:04
  creating
• 1:21:05
  new
• 1:21:05
  beliefs.
• 1:21:06
  That's
• 1:21:06
  a
• 1:21:06
  good
• 1:21:06
  point.
• 1:21:07
  That's
• 1:21:07
  a
• 1:21:07
  good
• 1:21:07
  point.
• 1:21:08
  How
• 1:21:08
  are
• 1:21:09
  you
• 1:21:09
  living
• 1:21:09
  iconically
• 1:21:10
  right
• 1:21:10
  now?
• 1:21:11
  You
• 1:21:11
  know,
• 1:21:11
  I
• 1:21:11
  have
• 1:21:13
  decided
• 1:21:15
  to.
• 1:21:15
  The
• 1:21:15
  statement,
• 1:21:16
  when
• 1:21:16
  you
• 1:21:16
  say,
• 1:21:16
  in
• 1:21:16
  two
• 1:21:16
  or
• 1:21:17
  three
• 1:21:17
  years,
• 1:21:17
  I
• 1:21:17
  will
• 1:21:17
  blank.
• 1:21:19
  I'm
• 1:21:19
  doing
• 1:21:19
  it
• 1:21:20
  now.
• 1:21:21
  And
• 1:21:21
  it's
• 1:21:22
  crazy.
• 1:21:23
  Like,
• 1:21:23
  you
• 1:21:23
  know,
• 1:21:24
  I
• 1:21:24
  said
• 1:21:24
  the
• 1:21:25
  reason
• 1:21:25
  why
• 1:21:25
  I'm
• 1:21:25
  here
• 1:21:25
  talking
• 1:21:25
  to
• 1:21:25
  you,
• 1:21:26
  I
• 1:21:26
  said,
• 1:21:27
  in
• 1:21:27
  two
• 1:21:27
  or
• 1:21:27
  three
• 1:21:27
  years,
• 1:21:28
  I'm
• 1:21:28
  gonna
• 1:21:28
  hire
• 1:21:29
  an
• 1:21:29
  amazing
• 1:21:31
  public
• 1:21:31
  relations
• 1:21:31
  team
• 1:21:32
  that
• 1:21:32
  can
• 1:21:33
  see
• 1:21:33
  me
• 1:21:34
  and
• 1:21:34
  help
• 1:21:34
  me
• 1:21:34
  get
• 1:21:34
  the
• 1:21:35
  message
• 1:21:35
  out.
• 1:21:35
  Because
• 1:21:35
  I
• 1:21:36
  cannot
• 1:21:36
  get
• 1:21:36
  this
• 1:21:37
  message
• 1:21:37
  out
• 1:21:38
  with
• 1:21:38
  a
• 1:21:38
  one
• 1:21:38
  on
• 1:21:38
  one
• 1:21:39
  conversation
• 1:21:39
  with
• 1:21:39
  everyone
• 1:21:39
  I
• 1:21:40
  talk
• 1:21:40
  to.
• 1:21:40
  I
• 1:21:40
  need
• 1:21:40
  to
• 1:21:40
  write
• 1:21:41
  books.
• 1:21:41
  I
• 1:21:41
  have
• 1:21:41
  to
• 1:21:42
  scale
• 1:21:42
  the
• 1:21:42
  message.
• 1:21:42
  I
• 1:21:43
  have
• 1:21:43
  to
• 1:21:43
  show
• 1:21:43
  people
• 1:21:43
  what's
• 1:21:44
  possible
• 1:21:44
  with
• 1:21:45
  their
• 1:21:45
  money.
• 1:21:46
  But
• 1:21:46
  it's
• 1:21:46
  always
• 1:21:46
  like,
• 1:21:46
  in
• 1:21:46
  two
• 1:21:46
  or
• 1:21:47
  three
• 1:21:47
  years,
• 1:21:48
  the
• 1:21:48
  cost,
• 1:21:49
  the
• 1:21:49
  time,
• 1:21:49
  the
• 1:21:49
  whatever.
• 1:21:50
  And
• 1:21:50
  then
• 1:21:51
  I
• 1:21:51
  just
• 1:21:51
  said,
• 1:21:51
  you
• 1:21:51
  know,
• 1:21:52
  what
• 1:21:53
  the
• 1:21:53
  time
• 1:21:54
  is
• 1:21:54
  now,
• 1:21:54
  what
• 1:21:55
  am
• 1:21:55
  I
• 1:21:55
  waiting
• 1:21:55
  for?
• 1:21:57
  And
• 1:21:57
  so
• 1:21:57
  I
• 1:21:57
  think
• 1:21:57
  that's
• 1:21:57
  what's
• 1:21:58
  making
• 1:21:58
  me
• 1:21:58
  live
• 1:21:59
  this
• 1:21:59
  iconic
• 1:21:59
  life.
• 1:21:59
  Because
• 1:22:00
  I'm
• 1:22:00
  in
• 1:22:00
  the
• 1:22:00
  space
• 1:22:00
  of
• 1:22:02
  putting
• 1:22:02
  myself
• 1:22:02
  out
• 1:22:03
  there
• 1:22:03
  in
• 1:22:03
  a
• 1:22:03
  way
• 1:22:03
  that
• 1:22:04
  I
• 1:22:04
  haven't.
• 1:22:05
  And
• 1:22:05
  with
• 1:22:06
  that
• 1:22:06
  comes
• 1:22:06
  haters,
• 1:22:07
  and
• 1:22:07
  that
• 1:22:07
  comes,
• 1:22:08
  you
• 1:22:08
  know,
• 1:22:09
  just
• 1:22:10
  more
• 1:22:10
  vulnerability.
• 1:22:12
  So
• 1:22:12
  I
• 1:22:12
  walk
• 1:22:13
  my
• 1:22:13
  talk.
• 1:22:14
  Yes,
• 1:22:15
  well,
• 1:22:15
  and
• 1:22:15
  a
• 1:22:15
  lot,
• 1:22:16
  a
• 1:22:16
  lot
• 1:22:16
  less
• 1:22:16
  fucks,
• 1:22:17
  as
• 1:22:17
  I
• 1:22:17
  like
• 1:22:17
  to
• 1:22:17
  say
• 1:22:18
  too.
• 1:22:18
  Dude,
• 1:22:20
  take
• 1:22:20
  gaff.
• 1:22:21
  Yeah.
• 1:22:21
  Actually
• 1:22:22
  like
• 1:22:23
  the
• 1:22:23
  first
• 1:22:23
  five
• 1:22:23
  minutes
• 1:22:23
  of
• 1:22:24
  talking
• 1:22:24
  to
• 1:22:24
  a
• 1:22:24
  potential
• 1:22:25
  person,
• 1:22:25
  I'm
• 1:22:25
  inviting
• 1:22:25
  into
• 1:22:26
  the
• 1:22:26
  firm
• 1:22:26
  to
• 1:22:26
  see
• 1:22:26
  if
• 1:22:26
  that
• 1:22:26
  like,
• 1:22:27
  offends
• 1:22:27
  them.
• 1:22:27
  Because
• 1:22:27
  if
• 1:22:28
  it
• 1:22:28
  does,
• 1:22:28
  it's
• 1:22:28
  like,
• 1:22:28
  you're
• 1:22:29
  out.
• 1:22:29
  I
• 1:22:29
  can't,
• 1:22:29
  I
• 1:22:30
  can't,
• 1:22:30
  I
• 1:22:31
  can't
• 1:22:31
  serve
• 1:22:31
  you
• 1:22:31
  if
• 1:22:31
  you
• 1:22:32
  think
• 1:22:32
  is
• 1:22:32
  like
• 1:22:33
  an
• 1:22:33
  offensive
• 1:22:33
  word.
• 1:22:34
  Exactly.
• 1:22:35
  It's
• 1:22:35
  an
• 1:22:36
  everything
• 1:22:36
  word.
• 1:22:36
  It's
• 1:22:37
  a.
• 1:22:42
  Yeah,
• 1:22:43
  totally.
• 1:22:44
  You
• 1:22:44
  know,
• 1:22:44
  and
• 1:22:44
  at
• 1:22:45
  the
• 1:22:45
  same
• 1:22:45
  time,
• 1:22:45
  I'm,
• 1:22:46
  I
• 1:22:46
  feel
• 1:22:46
  like
• 1:22:47
  you
• 1:22:47
  know,
• 1:22:47
  I'm
• 1:22:47
  really
• 1:22:48
  a
• 1:22:48
  part
• 1:22:48
  of
• 1:22:48
  a
• 1:22:48
  7
• 1:22:48
  year
• 1:22:48
  old
• 1:22:49
  boy
• 1:22:49
  and
• 1:22:49
  a
• 1:22:49
  10
• 1:22:49
  year
• 1:22:49
  old
• 1:22:49
  girl
• 1:22:50
  and
• 1:22:52
  yeah,
• 1:22:52
  I'm
• 1:22:52
  really
• 1:22:53
  present
• 1:22:53
  for
• 1:22:53
  them.
• 1:22:54
  Like,
• 1:22:55
  you
• 1:22:55
  know,
• 1:22:55
  when
• 1:22:55
  I'm
• 1:22:55
  present,
• 1:22:56
  I'm
• 1:22:56
  present
• 1:22:57
  and,
• 1:22:59
  and
• 1:22:59
  I'm
• 1:23:00
  really
• 1:23:00
  proud
• 1:23:00
  of
• 1:23:00
  that
• 1:23:00
  as
• 1:23:00
  well.
• 1:23:01
  I
• 1:23:01
  think
• 1:23:01
  that
• 1:23:01
  that's
• 1:23:02
  iconic
• 1:23:03
  as
• 1:23:03
  well
• 1:23:03
  because
• 1:23:03
  these,
• 1:23:04
  these
• 1:23:04
  years
• 1:23:04
  pass
• 1:23:04
  so
• 1:23:05
  fast.
• 1:23:07
  Yes,
• 1:23:07
  yes.
• 1:23:08
  No,
• 1:23:08
  that's
• 1:23:08
  a
• 1:23:08
  good
• 1:23:09
  thing.
• 1:23:09
  When
• 1:23:09
  at
• 1:23:09
  the
• 1:23:10
  end
• 1:23:10
  of
• 1:23:10
  the
• 1:23:10
  day,
• 1:23:10
  I
• 1:23:10
  mean
• 1:23:11
  that's
• 1:23:11
  what
• 1:23:11
  everyone
• 1:23:11
  says
• 1:23:11
  on
• 1:23:11
  their
• 1:23:12
  deathbed.
• 1:23:12
  It's
• 1:23:12
  not,
• 1:23:13
  you
• 1:23:13
  know,
• 1:23:13
  the
• 1:23:13
  accolades
• 1:23:14
  or
• 1:23:14
  what
• 1:23:15
  you
• 1:23:15
  did,
• 1:23:15
  it's
• 1:23:16
  like
• 1:23:16
  who
• 1:23:16
  you
• 1:23:16
  loved,
• 1:23:17
  you
• 1:23:17
  know,
• 1:23:17
  your
• 1:23:18
  relationships,
• 1:23:19
  like
• 1:23:19
  all
• 1:23:20
  of
• 1:23:20
  those
• 1:23:20
  things
• 1:23:20
  are
• 1:23:20
  the
• 1:23:21
  things
• 1:23:21
  that
• 1:23:21
  really,
• 1:23:21
  really
• 1:23:22
  matter,
• 1:23:22
  you
• 1:23:22
  know.
• 1:23:23
  What
• 1:23:23
  about
• 1:23:23
  you?
• 1:23:24
  Gosh,
• 1:23:25
  I
• 1:23:25
  feel
• 1:23:25
  like
• 1:23:26
  for
• 1:23:26
  the
• 1:23:26
  first
• 1:23:26
  time
• 1:23:26
  I'm
• 1:23:27
  really
• 1:23:27
  living.
• 1:23:28
  I
• 1:23:28
  feel
• 1:23:28
  like
• 1:23:28
  authentically
• 1:23:29
  to
• 1:23:29
  who
• 1:23:30
  I
• 1:23:30
  am,
• 1:23:30
  like
• 1:23:31
  not
• 1:23:31
  giving
• 1:23:31
  as
• 1:23:31
  many
• 1:23:32
  fucks
• 1:23:32
  as
• 1:23:32
  we
• 1:23:32
  were
• 1:23:33
  just
• 1:23:33
  saying
• 1:23:33
  and
• 1:23:33
  like
• 1:23:34
  kind
• 1:23:34
  of
• 1:23:35
  just
• 1:23:36
  being
• 1:23:36
  whoever
• 1:23:37
  you
• 1:23:38
  know,
• 1:23:38
  I'm
• 1:23:38
  meant
• 1:23:38
  to
• 1:23:39
  be
• 1:23:39
  like
• 1:23:39
  right
• 1:23:40
  then
• 1:23:40
  and
• 1:23:40
  there.
• 1:23:41
  Not
• 1:23:41
  really
• 1:23:41
  and
• 1:23:42
  not.
• 1:23:42
  And
• 1:23:42
  being
• 1:23:43
  able
• 1:23:43
  to
• 1:23:43
  put
• 1:23:43
  myself
• 1:23:43
  out
• 1:23:44
  there
• 1:23:44
  without
• 1:23:44
  thinking
• 1:23:45
  about
• 1:23:45
  what
• 1:23:45
  people
• 1:23:46
  are
• 1:23:46
  going
• 1:23:46
  to
• 1:23:46
  think
• 1:23:46
  too,
• 1:23:47
  I
• 1:23:47
  think
• 1:23:47
  is
• 1:23:47
  a
• 1:23:47
  really
• 1:23:48
  big
• 1:23:48
  thing
• 1:23:48
  for
• 1:23:48
  me.
• 1:23:48
  It's
• 1:23:49
  like,
• 1:23:49
  you
• 1:23:50
  know,
• 1:23:50
  what
• 1:23:50
  I
• 1:23:50
  could
• 1:23:50
  look
• 1:23:51
  like,
• 1:23:51
  you
• 1:23:51
  know,
• 1:23:51
  I'm
• 1:23:52
  not
• 1:23:52
  going
• 1:23:52
  to
• 1:23:52
  be,
• 1:23:52
  as
• 1:23:53
  that
• 1:23:53
  saying
• 1:23:53
  goes,
• 1:23:54
  you
• 1:23:54
  can
• 1:23:55
  be
• 1:23:55
  the
• 1:23:55
  sweetest
• 1:23:56
  peach
• 1:23:56
  in
• 1:23:56
  the
• 1:23:56
  basket
• 1:23:57
  and
• 1:23:57
  somebody
• 1:23:57
  is
• 1:23:57
  not
• 1:23:58
  going
• 1:23:58
  to
• 1:23:58
  like
• 1:23:58
  you.
• 1:23:58
  You
• 1:23:59
  know,
• 1:23:59
  it's
• 1:23:59
  like
• 1:24:00
  I
• 1:24:00
  am
• 1:24:00
  never
• 1:24:01
  going
• 1:24:01
  to
• 1:24:01
  be
• 1:24:01
  for
• 1:24:01
  everybod.
• 1:24:03
  Am
• 1:24:03
  only
• 1:24:04
  here
• 1:24:04
  for,
• 1:24:05
  you
• 1:24:05
  know,
• 1:24:05
  me
• 1:24:06
  and
• 1:24:06
  for
• 1:24:06
  the
• 1:24:06
  people
• 1:24:06
  I
• 1:24:07
  love
• 1:24:07
  and
• 1:24:08
  the
• 1:24:08
  people
• 1:24:08
  that
• 1:24:08
  matter
• 1:24:09
  to
• 1:24:09
  me,
• 1:24:09
  you
• 1:24:09
  know,
• 1:24:10
  and
• 1:24:10
  that's
• 1:24:10
  fine
• 1:24:10
  and
• 1:24:10
  I
• 1:24:11
  don't
• 1:24:11
  need
• 1:24:11
  to
• 1:24:11
  be
• 1:24:11
  everybody's
• 1:24:12
  favorite,
• 1:24:12
  you
• 1:24:12
  know.
• 1:24:13
  But
• 1:24:13
  like
• 1:24:13
  I
• 1:24:14
  just
• 1:24:14
  think
• 1:24:15
  as
• 1:24:15
  living
• 1:24:15
  as
• 1:24:15
  true
• 1:24:16
  to
• 1:24:16
  myself
• 1:24:16
  without
• 1:24:17
  giving,
• 1:24:17
  you
• 1:24:18
  know,
• 1:24:18
  all
• 1:24:18
  that
• 1:24:18
  care
• 1:24:19
  and
• 1:24:19
  consideration
• 1:24:19
  to
• 1:24:20
  the
• 1:24:20
  things
• 1:24:20
  that
• 1:24:20
  don't
• 1:24:20
  matter
• 1:24:20
  and
• 1:24:21
  the
• 1:24:21
  people
• 1:24:21
  that
• 1:24:21
  don't
• 1:24:21
  matter.
• 1:24:22
  You
• 1:24:22
  know,
• 1:24:23
  I
• 1:24:23
  think
• 1:24:23
  that
• 1:24:23
  that
• 1:24:23
  is
• 1:24:24
  like
• 1:24:24
  been
• 1:24:24
  really
• 1:24:25
  important
• 1:24:25
  for
• 1:24:25
  me
• 1:24:26
  especially
• 1:24:26
  like
• 1:24:26
  eliminating.
• 1:24:27
  Yes.
• 1:24:28
  Going
• 1:24:28
  into
• 1:24:28
  this
• 1:24:29
  like,
• 1:24:29
  like
• 1:24:29
  midlife
• 1:24:30
  time,
• 1:24:30
  you
• 1:24:30
  know.
• 1:24:30
  And
• 1:24:31
  I
• 1:24:31
  think
• 1:24:31
  just
• 1:24:31
  being
• 1:24:32
  as
• 1:24:32
  secure
• 1:24:32
  as
• 1:24:33
  possible
• 1:24:33
  with
• 1:24:33
  who
• 1:24:33
  I
• 1:24:33
  am
• 1:24:34
  now.
• 1:24:34
  There's
• 1:24:34
  obviously
• 1:24:35
  days
• 1:24:35
  where
• 1:24:35
  I'm
• 1:24:36
  like,
• 1:24:36
  oh
• 1:24:36
  my
• 1:24:36
  God,
• 1:24:36
  I
• 1:24:36
  feel
• 1:24:37
  like
• 1:24:37
  about
• 1:24:37
  myself,
• 1:24:38
  you
• 1:24:38
  know,
• 1:24:38
  like
• 1:24:39
  having
• 1:24:39
  a
• 1:24:39
  down
• 1:24:39
  day
• 1:24:40
  or
• 1:24:40
  whatever
• 1:24:41
  that
• 1:24:41
  is.
• 1:24:41
  I
• 1:24:41
  think
• 1:24:42
  that's
• 1:24:42
  normal.
• 1:24:43
  But
• 1:24:43
  at
• 1:24:43
  like
• 1:24:43
  the
• 1:24:44
  end
• 1:24:44
  of
• 1:24:44
  the
• 1:24:44
  day
• 1:24:44
  just
• 1:24:45
  to
• 1:24:45
  know,
• 1:24:46
  you
• 1:24:46
  know,
• 1:24:46
  I'm
• 1:24:46
  okay
• 1:24:47
  with
• 1:24:47
  who
• 1:24:47
  I
• 1:24:47
  am,
• 1:24:48
  I
• 1:24:48
  think
• 1:24:49
  is
• 1:24:49
  a
• 1:24:49
  big
• 1:24:49
  step,
• 1:24:50
  you
• 1:24:50
  know.
• 1:24:51
  So
• 1:24:51
  I
• 1:24:51
  want
• 1:24:51
  to
• 1:24:51
  ask
• 1:24:51
  you,
• 1:24:52
  I
• 1:24:52
  know
• 1:24:52
  this
• 1:24:52
  is
• 1:24:52
  not,
• 1:24:52
  you
• 1:24:52
  know,
• 1:24:52
  but,
• 1:24:53
  but
• 1:24:53
  I
• 1:24:53
  imagine
• 1:24:54
  again,
• 1:24:54
  I
• 1:24:54
  know
• 1:24:54
  we're
• 1:24:55
  just
• 1:24:55
  meeting
• 1:24:55
  each
• 1:24:55
  other
• 1:24:56
  and
• 1:24:56
  I
• 1:24:56
  can't
• 1:24:56
  wait
• 1:24:56
  to
• 1:24:56
  get
• 1:24:56
  to
• 1:24:57
  get
• 1:24:57
  to
• 1:24:57
  know
• 1:24:57
  you
• 1:24:57
  better
• 1:24:57
  and
• 1:24:57
  hopefully
• 1:24:58
  random
• 1:24:58
  things
• 1:24:59
  like
• 1:24:59
  I
• 1:25:00
  bet
• 1:25:00
  People
• 1:25:01
  looking
• 1:25:01
  from
• 1:25:01
  the
• 1:25:02
  outside
• 1:25:03
  at
• 1:25:03
  you
• 1:25:04
  would
• 1:25:04
  think
• 1:25:05
  you've
• 1:25:05
  had
• 1:25:05
  that
• 1:25:05
  kind
• 1:25:05
  of.
• 1:25:06
  For
• 1:25:07
  10
• 1:25:07
  years,
• 1:25:07
  I
• 1:25:07
  bet.
• 1:25:07
  I
• 1:25:08
  mean,
• 1:25:08
  I
• 1:25:08
  mean,
• 1:25:08
  you
• 1:25:08
  know,
• 1:25:08
  so
• 1:25:09
  like,
• 1:25:09
  I
• 1:25:09
  bet
• 1:25:10
  they
• 1:25:10
  think
• 1:25:10
  that,
• 1:25:10
  you
• 1:25:11
  know,
• 1:25:11
  and
• 1:25:12
  so.
• 1:25:12
  So,
• 1:25:12
  like,
• 1:25:13
  when.
• 1:25:14
  When
• 1:25:14
  do
• 1:25:14
  you
• 1:25:15
  think
• 1:25:15
  you
• 1:25:15
  really
• 1:25:15
  shifted
• 1:25:16
  into.
• 1:25:16
  I
• 1:25:16
  am
• 1:25:17
  really
• 1:25:18
  authentically
• 1:25:18
  me.
• 1:25:19
  Because
• 1:25:20
  there's
• 1:25:21
  been
• 1:25:21
  some
• 1:25:21
  element
• 1:25:21
  of
• 1:25:22
  that
• 1:25:22
  for
• 1:25:22
  a
• 1:25:22
  long
• 1:25:22
  time,
• 1:25:22
  I'm
• 1:25:22
  sure.
• 1:25:23
  But
• 1:25:23
  was
• 1:25:23
  there
• 1:25:23
  a
• 1:25:23
  shift
• 1:25:23
  or
• 1:25:24
  something
• 1:25:24
  that
• 1:25:24
  made
• 1:25:24
  you,
• 1:25:24
  like,
• 1:25:25
  really?
• 1:25:26
  Yeah,
• 1:25:27
  I
• 1:25:27
  think
• 1:25:28
  it
• 1:25:28
  was
• 1:25:29
  maybe
• 1:25:29
  a
• 1:25:29
  combination
• 1:25:29
  of
• 1:25:30
  things.
• 1:25:30
  I
• 1:25:30
  think
• 1:25:30
  it's
• 1:25:31
  age,
• 1:25:31
  like
• 1:25:31
  getting
• 1:25:32
  older.
• 1:25:32
  Once
• 1:25:32
  I
• 1:25:33
  sort
• 1:25:33
  of
• 1:25:33
  hit,
• 1:25:33
  like,
• 1:25:34
  I
• 1:25:34
  would
• 1:25:34
  say
• 1:25:34
  mid-40s
• 1:25:35
  and
• 1:25:36
  things,
• 1:25:36
  you
• 1:25:36
  know,
• 1:25:36
  like,
• 1:25:36
  I
• 1:25:37
  started
• 1:25:37
  just
• 1:25:37
  having
• 1:25:37
  so
• 1:25:38
  much
• 1:25:38
  more
• 1:25:38
  life
• 1:25:38
  experience
• 1:25:39
  and
• 1:25:40
  you
• 1:25:41
  know,
• 1:25:41
  having,
• 1:25:41
  you
• 1:25:41
  know,
• 1:25:41
  my,
• 1:25:42
  My
• 1:25:42
  friends,
• 1:25:42
  my
• 1:25:43
  best
• 1:25:43
  friends
• 1:25:43
  are
• 1:25:43
  my
• 1:25:43
  same
• 1:25:44
  friends
• 1:25:44
  I've
• 1:25:44
  had
• 1:25:44
  for
• 1:25:44
  30
• 1:25:45
  years,
• 1:25:45
  like
• 1:25:46
  since
• 1:25:46
  college.
• 1:25:47
  And
• 1:25:47
  you
• 1:25:47
  know,
• 1:25:48
  so
• 1:25:48
  I
• 1:25:48
  think
• 1:25:49
  having,
• 1:25:50
  having
• 1:25:51
  that.
• 1:25:51
  Also
• 1:25:51
  having
• 1:25:52
  my
• 1:25:52
  daughter,
• 1:25:53
  you
• 1:25:53
  know,
• 1:25:53
  I
• 1:25:53
  had
• 1:25:53
  her
• 1:25:53
  as
• 1:25:54
  an
• 1:25:54
  older,
• 1:25:54
  quote,
• 1:25:54
  unquote,
• 1:25:55
  what
• 1:25:55
  they
• 1:25:55
  call
• 1:25:56
  a
• 1:25:56
  geriatric
• 1:25:57
  pregnancy.
• 1:25:58
  You
• 1:25:58
  know,
• 1:25:58
  I
• 1:25:58
  guess
• 1:25:59
  I'm
• 1:26:00
  like
• 1:26:00
  high
• 1:26:00
  risk.
• 1:26:01
  Yeah,
• 1:26:02
  totally
• 1:26:03
  high
• 1:26:03
  risk.
• 1:26:03
  Geriatric.
• 1:26:04
  I
• 1:26:04
  had
• 1:26:04
  her
• 1:26:05
  at
• 1:26:05
  39,
• 1:26:06
  so
• 1:26:06
  I
• 1:26:06
  think
• 1:26:07
  because
• 1:26:07
  I
• 1:26:07
  had
• 1:26:07
  her
• 1:26:08
  and
• 1:26:08
  then
• 1:26:08
  like,
• 1:26:08
  as
• 1:26:08
  she
• 1:26:09
  started
• 1:26:09
  coming
• 1:26:09
  of
• 1:26:09
  age,
• 1:26:10
  like
• 1:26:10
  when
• 1:26:10
  I
• 1:26:10
  was
• 1:26:10
  in
• 1:26:11
  my
• 1:26:11
  40s,
• 1:26:12
  you
• 1:26:12
  know,
• 1:26:12
  I
• 1:26:13
  really
• 1:26:14
  had,
• 1:26:14
  thankfully,
• 1:26:15
  I
• 1:26:15
  feel
• 1:26:15
  like
• 1:26:16
  that
• 1:26:16
  life
• 1:26:16
  experience
• 1:26:17
  behind
• 1:26:18
  me
• 1:26:18
  where
• 1:26:18
  I
• 1:26:18
  wasn't.
• 1:26:19
  And
• 1:26:19
  not
• 1:26:19
  that
• 1:26:19
  it's
• 1:26:20
  not
• 1:26:20
  a
• 1:26:20
  good
• 1:26:20
  thing
• 1:26:21
  to
• 1:26:21
  have
• 1:26:21
  kids
• 1:26:22
  when
• 1:26:22
  you're
• 1:26:22
  younger,
• 1:26:22
  but
• 1:26:23
  I
• 1:26:23
  feel
• 1:26:23
  like
• 1:26:23
  I
• 1:26:23
  lived
• 1:26:24
  so
• 1:26:24
  much
• 1:26:24
  life
• 1:26:24
  at
• 1:26:25
  that
• 1:26:25
  point
• 1:26:25
  that
• 1:26:26
  I
• 1:26:26
  was
• 1:26:26
  more
• 1:26:27
  in
• 1:26:27
  who
• 1:26:27
  I
• 1:26:27
  was.
• 1:26:28
  So
• 1:26:28
  I
• 1:26:28
  think
• 1:26:29
  having
• 1:26:29
  her,
• 1:26:30
  I
• 1:26:30
  also
• 1:26:31
  wanted
• 1:26:31
  to
• 1:26:31
  be
• 1:26:31
  a
• 1:26:32
  good
• 1:26:32
  role
• 1:26:32
  model
• 1:26:32
  to
• 1:26:33
  her,
• 1:26:33
  you
• 1:26:33
  know,
• 1:26:33
  in
• 1:26:34
  a
• 1:26:34
  lot
• 1:26:34
  of
• 1:26:34
  ways.
• 1:26:34
  So,
• 1:26:36
  you
• 1:26:36
  know,
• 1:26:36
  I
• 1:26:36
  think
• 1:26:36
  being
• 1:26:37
  secure
• 1:26:37
  in
• 1:26:37
  myself
• 1:26:38
  would
• 1:26:38
  only
• 1:26:38
  help
• 1:26:39
  her
• 1:26:40
  be
• 1:26:40
  more
• 1:26:40
  secure
• 1:26:40
  in
• 1:26:41
  who
• 1:26:41
  she
• 1:26:41
  was.
• 1:26:41
  Because
• 1:26:41
  ultimately,
• 1:26:42
  ultimately
• 1:26:43
  at
• 1:26:43
  the
• 1:26:43
  end
• 1:26:43
  of
• 1:26:43
  the
• 1:26:43
  day,
• 1:26:44
  you
• 1:26:44
  know,
• 1:26:44
  I
• 1:26:45
  pretty
• 1:26:45
  much
• 1:26:45
  do
• 1:26:45
  what
• 1:26:46
  I
• 1:26:46
  do
• 1:26:46
  for
• 1:26:46
  her,
• 1:26:46
  you
• 1:26:47
  know,
• 1:26:47
  I
• 1:26:47
  want
• 1:26:47
  her
• 1:26:47
  to
• 1:26:48
  have,
• 1:26:48
  you
• 1:26:48
  know,
• 1:26:49
  all
• 1:26:49
  the
• 1:26:49
  things
• 1:26:49
  and
• 1:26:50
  like,
• 1:26:50
  be
• 1:26:51
  that
• 1:26:51
  secure
• 1:26:51
  person
• 1:26:52
  and
• 1:26:52
  know
• 1:26:52
  who
• 1:26:53
  she
• 1:26:53
  is,
• 1:26:53
  you
• 1:26:53
  know,
• 1:26:54
  And
• 1:26:54
  I
• 1:26:54
  think
• 1:26:54
  the
• 1:26:55
  only
• 1:26:55
  way
• 1:26:55
  that
• 1:26:56
  she's
• 1:26:56
  going
• 1:26:56
  to
• 1:26:56
  learn
• 1:26:56
  from
• 1:26:57
  me
• 1:26:57
  about
• 1:26:57
  that
• 1:26:57
  is
• 1:26:58
  if
• 1:26:58
  I
• 1:26:58
  role
• 1:26:58
  model
• 1:26:59
  it
• 1:26:59
  myself,
• 1:26:59
  you
• 1:27:00
  know,
• 1:27:00
  so
• 1:27:01
  that.
• 1:27:02
  Thank
• 1:27:02
  you.
• 1:27:02
  Thank
• 1:27:03
  you
• 1:27:03
  for
• 1:27:03
  all
• 1:27:03
  you
• 1:27:04
  do
• 1:27:04
  for
• 1:27:04
  this
• 1:27:04
  beautiful
• 1:27:05
  community.
• 1:27:06
  You
• 1:27:06
  know,
• 1:27:06
  it's
• 1:27:06
  just,
• 1:27:07
  it's.
• 1:27:08
  It
• 1:27:08
  takes
• 1:27:08
  a
• 1:27:08
  lot
• 1:27:09
  of
• 1:27:09
  courage
• 1:27:09
  and,
• 1:27:10
  and,
• 1:27:10
  and
• 1:27:11
  to
• 1:27:11
  get
• 1:27:12
  out
• 1:27:12
  there
• 1:27:12
  and
• 1:27:12
  have
• 1:27:12
  these
• 1:27:12
  hard
• 1:27:13
  conversations
• 1:27:13
  in
• 1:27:13
  a
• 1:27:14
  way
• 1:27:14
  that's
• 1:27:14
  real
• 1:27:14
  and
• 1:27:15
  authentic.
• 1:27:15
  And
• 1:27:15
  I
• 1:27:16
  always
• 1:27:16
  say,
• 1:27:16
  like,
• 1:27:17
  I
• 1:27:17
  like
• 1:27:17
  to
• 1:27:18
  shock
• 1:27:18
  people.
• 1:27:18
  Like,
• 1:27:19
  you
• 1:27:19
  know,
• 1:27:20
  like,
• 1:27:20
  I
• 1:27:20
  like
• 1:27:20
  to
• 1:27:21
  say
• 1:27:21
  things
• 1:27:21
  or
• 1:27:22
  have
• 1:27:22
  a
• 1:27:22
  hot
• 1:27:23
  take
• 1:27:23
  in
• 1:27:23
  something
• 1:27:23
  that's,
• 1:27:25
  you
• 1:27:25
  know,
• 1:27:26
  shocking.
• 1:27:27
  Exactly,
• 1:27:28
  exactly.
• 1:27:29
  Because
• 1:27:29
  you
• 1:27:29
  know
• 1:27:30
  what?
• 1:27:31
  It
• 1:27:31
  doesn't
• 1:27:32
  matter
• 1:27:32
  what
• 1:27:32
  the
• 1:27:33
  fuck.
• 1:27:33
  Like,
• 1:27:33
  the
• 1:27:34
  people
• 1:27:34
  who
• 1:27:34
  don't
• 1:27:34
  like
• 1:27:35
  it
• 1:27:35
  or
• 1:27:35
  what?
• 1:27:35
  You
• 1:27:35
  know
• 1:27:35
  what
• 1:27:36
  I
• 1:27:36
  mean?
• 1:27:36
  It's
• 1:27:36
  like,
• 1:27:37
  who
• 1:27:37
  cares?
• 1:27:37
  Good,
• 1:27:38
  good.
• 1:27:38
  Shock
• 1:27:39
  them.
• 1:27:39
  Like,
• 1:27:39
  make
• 1:27:39
  people
• 1:27:40
  think
• 1:27:40
  differently.
• 1:27:41
  Yeah.
• 1:27:42
  Yes,
• 1:27:43
  totally,
• 1:27:45
  totally,
• 1:27:46
  totally.
• 1:27:46
  I
• 1:27:46
  think
• 1:27:46
  it
• 1:27:47
  goes
• 1:27:47
  back
• 1:27:47
  to
• 1:27:47
  our
• 1:27:47
  Texas
• 1:27:48
  roots
• 1:27:48
  too,
• 1:27:49
  you
• 1:27:49
  know,
• 1:27:49
  like,
• 1:27:50
  totally
• 1:27:50
  does.
• 1:27:51
  Right?
• 1:27:51
  Because
• 1:27:51
  in
• 1:27:51
  Texas,
• 1:27:52
  like
• 1:27:52
  when
• 1:27:52
  you
• 1:27:52
  grow
• 1:27:52
  up,
• 1:27:53
  you
• 1:27:53
  are
• 1:27:53
  tough.
• 1:27:53
  Like,
• 1:27:54
  you
• 1:27:54
  are
• 1:27:54
  like,
• 1:27:54
  like,
• 1:27:55
  you
• 1:27:55
  know
• 1:27:55
  what
• 1:27:56
  the
• 1:27:56
  is
• 1:27:56
  up,
• 1:27:56
  you
• 1:27:57
  know,
• 1:27:57
  if
• 1:27:57
  we
• 1:27:57
  come
• 1:27:57
  back
• 1:27:57
  and
• 1:27:58
  do
• 1:27:58
  another
• 1:27:58
  one,
• 1:27:58
  we
• 1:27:58
  should
• 1:27:58
  do
• 1:27:59
  big
• 1:27:59
  hair.
• 1:27:59
  Yes.
• 1:28:00
  Oh,
• 1:28:00
  my
• 1:28:00
  God,
• 1:28:01
  we
• 1:28:01
  should
• 1:28:01
  totally
• 1:28:01
  do
• 1:28:02
  like
• 1:28:02
  Texas
• 1:28:02
  themed,
• 1:28:03
  like,
• 1:28:03
  do
• 1:28:03
  like
• 1:28:03
  a
• 1:28:04
  whole
• 1:28:04
  Texas
• 1:28:04
  themed
• 1:28:05
  episode.
• 1:28:05
  We'll
• 1:28:05
  have
• 1:28:05
  like
• 1:28:05
  big
• 1:28:06
  hair,
• 1:28:07
  sparkly
• 1:28:07
  man
• 1:28:09
  block,
• 1:28:09
  and
• 1:28:09
  margaritas
• 1:28:10
  afterwards.
• 1:28:13
  You
• 1:28:13
  know,
• 1:28:13
  I
• 1:28:13
  do
• 1:28:14
  love
• 1:28:14
  a
• 1:28:14
  margarita.
• 1:28:16
  Oh,
• 1:28:16
  girl,
• 1:28:16
  give
• 1:28:17
  me
• 1:28:17
  a
• 1:28:17
  silver
• 1:28:17
  coin
• 1:28:17
  all
• 1:28:18
  day.
• 1:28:18
  Yes.
• 1:28:19
  Oh,
• 1:28:19
  my
• 1:28:20
  gosh,
• 1:28:20
  I
• 1:28:20
  love
• 1:28:20
  that
• 1:28:21
  so
• 1:28:21
  much.
• 1:28:21
  Okay,
• 1:28:21
  okay.
• 1:28:22
  You
• 1:28:22
  have
• 1:28:22
  to
• 1:28:22
  tell
• 1:28:22
  everybody
• 1:28:23
  where
• 1:28:23
  they
• 1:28:23
  can
• 1:28:23
  find
• 1:28:24
  you.
• 1:28:24
  Yes.
• 1:28:25
  So
• 1:28:25
  I
• 1:28:25
  imagine
• 1:28:26
  you'll
• 1:28:26
  put
• 1:28:26
  something
• 1:28:26
  in
• 1:28:26
  the
• 1:28:27
  show
• 1:28:27
  notes,
• 1:28:27
  right?
• 1:28:27
  We
• 1:28:28
  have
• 1:28:28
  just
• 1:28:28
  like,
• 1:28:28
  so,
• 1:28:30
  so
• 1:28:30
  I'll
• 1:28:30
  include
• 1:28:31
  just.
• 1:28:31
  You
• 1:28:32
  can
• 1:28:32
  go
• 1:28:32
  onto
• 1:28:32
  the
• 1:28:32
  website
• 1:28:33
  and
• 1:28:33
  fill
• 1:28:33
  out
• 1:28:33
  the
• 1:28:33
  form
• 1:28:33
  and
• 1:28:34
  reach
• 1:28:34
  out
• 1:28:34
  to
• 1:28:34
  me.
• 1:28:34
  I'll
• 1:28:34
  also
• 1:28:35
  include
• 1:28:35
  my
• 1:28:35
  email.
• 1:28:36
  You
• 1:28:36
  can
• 1:28:37
  reach
• 1:28:37
  out
• 1:28:37
  to
• 1:28:37
  me
• 1:28:37
  there
• 1:28:37
  and.
• 1:28:38
  And
• 1:28:39
  yeah,
• 1:28:40
  yeah,
• 1:28:40
  I
• 1:28:40
  would
• 1:28:40
  love
• 1:28:41
  to.
• 1:28:41
  Just
• 1:28:41
  to
• 1:28:41
  connect
• 1:28:42
  and
• 1:28:42
  impact
• 1:28:42
  and
• 1:28:43
  see
• 1:28:43
  where
• 1:28:43
  it
• 1:28:43
  takes
• 1:28:44
  us.
• 1:28:44
  It's.
• 1:28:44
  I'm
• 1:28:45
  addicted
• 1:28:45
  to
• 1:28:45
  this.
• 1:28:46
  I'm
• 1:28:46
  addicted
• 1:28:46
  to
• 1:28:46
  it.
• 1:28:48
  It's
• 1:28:48
  so
• 1:28:48
  good,
• 1:28:48
  you
• 1:28:49
  know,
• 1:28:49
  and
• 1:28:50
  it's
• 1:28:50
  lovely.
• 1:28:50
  I'm
• 1:28:51
  so
• 1:28:51
  grateful.
• 1:28:51
  I'm
• 1:28:52
  so
• 1:28:52
  blessed.
• 1:28:53
  It's
• 1:28:54
  wonderful.
• 1:28:54
  I
• 1:28:54
  found
• 1:28:54
  this.
• 1:28:54
  Why?
• 1:28:55
  Yeah,
• 1:28:56
  yeah.
• 1:28:56
  You
• 1:28:57
  find
• 1:28:57
  your
• 1:28:57
  calling,
• 1:28:57
  your
• 1:28:57
  purpose.
• 1:28:58
  I
• 1:28:58
  mean,
• 1:28:58
  that's
• 1:28:59
  pretty
• 1:28:59
  iconic.
• 1:29:00
  You
• 1:29:00
  can
• 1:29:01
  make
• 1:29:01
  great
• 1:29:01
  money
• 1:29:02
  doing
• 1:29:02
  something
• 1:29:02
  I
• 1:29:02
  love
• 1:29:02
  that's
• 1:29:03
  really,
• 1:29:03
  truly
• 1:29:04
  changing
• 1:29:04
  people's
• 1:29:04
  lives.
• 1:29:05
  It's
• 1:29:05
  like,
• 1:29:05
  hello,
• 1:29:07
  Hiring
• 1:29:07
  too.
• 1:29:07
  If
• 1:29:07
  there's
• 1:29:08
  any
• 1:29:08
  financial
• 1:29:08
  advisors
• 1:29:08
  out
• 1:29:08
  there
• 1:29:09
  looking
• 1:29:09
  to
• 1:29:09
  leave
• 1:29:10
  some
• 1:29:10
  of
• 1:29:10
  these
• 1:29:10
  big
• 1:29:10
  firms
• 1:29:11
  that
• 1:29:12
  aren't
• 1:29:12
  male
• 1:29:12
  led.
• 1:29:13
  So
• 1:29:13
  heads
• 1:29:14
  up.
• 1:29:14
  It's
• 1:29:14
  all
• 1:29:14
  about
• 1:29:14
  the
• 1:29:14
  women
• 1:29:15
  coming
• 1:29:15
  together.
• 1:29:16
  The
• 1:29:16
  midlife
• 1:29:16
  women.
• 1:29:17
  Right?
• 1:29:17
  Like,
• 1:29:18
  come
• 1:29:19
  on.
• 1:29:19
  Yes.
• 1:29:20
  Come
• 1:29:20
  on.
• 1:29:22
  So
• 1:29:22
  powerful.
• 1:29:23
  So
• 1:29:23
  powerful.
• 1:29:25
  Yeah.
• 1:29:25
  And
• 1:29:25
  hot.
• 1:29:25
  Always,
• 1:29:26
  always
• 1:29:26
  hot.
• 1:29:27
  Requirement.
• 1:29:30
  Oh,
• 1:29:31
  my
• 1:29:31
  God.
• 1:29:31
  You
• 1:29:31
  know,
• 1:29:33
  one
• 1:29:33
  of
• 1:29:33
  my
• 1:29:33
  friends,
• 1:29:33
  when.
• 1:29:34
  When
• 1:29:35
  she
• 1:29:35
  introduces
• 1:29:35
  herself,
• 1:29:36
  she's
• 1:29:36
  so
• 1:29:36
  funny.
• 1:29:36
  I'm
• 1:29:37
  gonna
• 1:29:37
  have
• 1:29:37
  to
• 1:29:37
  send
• 1:29:37
  out
• 1:29:37
  this
• 1:29:37
  episode.
• 1:29:38
  But
• 1:29:38
  instead
• 1:29:39
  of
• 1:29:39
  saying
• 1:29:39
  like,
• 1:29:39
  it's
• 1:29:39
  nice
• 1:29:40
  to
• 1:29:40
  meet
• 1:29:40
  you,
• 1:29:40
  she
• 1:29:40
  goes,
• 1:29:40
  it's
• 1:29:40
  so
• 1:29:41
  lovely
• 1:29:41
  for
• 1:29:41
  you
• 1:29:41
  to
• 1:29:41
  meet
• 1:29:41
  me.
• 1:29:42
  What
• 1:29:42
  a
• 1:29:42
  wonderful
• 1:29:43
  opportunity
• 1:29:43
  for
• 1:29:43
  you
• 1:29:43
  to
• 1:29:43
  get
• 1:29:44
  to
• 1:29:44
  know
• 1:29:44
  me.
• 1:29:45
  Oh
• 1:29:46
  my
• 1:29:46
  God,
• 1:29:46
  that's
• 1:29:46
  so
• 1:29:47
  good.
• 1:29:48
  Way
• 1:29:48
  I
• 1:29:48
  didn't
• 1:29:49
  do
• 1:29:49
  it
• 1:29:49
  as
• 1:29:49
  well,
• 1:29:49
  but
• 1:29:49
  it
• 1:29:49
  was
• 1:29:49
  like,
• 1:29:50
  it's
• 1:29:50
  so
• 1:29:50
  cute.
• 1:29:51
  She's
• 1:29:51
  like,
• 1:29:51
  how
• 1:29:52
  fortunate
• 1:29:52
  for
• 1:29:52
  you
• 1:29:52
  to
• 1:29:53
  be
• 1:29:53
  able
• 1:29:53
  to.
• 1:29:55
  She's
• 1:29:55
  like,
• 1:29:55
  I'm
• 1:29:56
  so
• 1:29:56
  glad
• 1:29:56
  I
• 1:29:56
  can
• 1:29:56
  bestow
• 1:29:57
  myself
• 1:29:57
  on
• 1:29:58
  you.
• 1:30:01
  Yeah,
• 1:30:02
  that's
• 1:30:02
  amazing
• 1:30:03
  opportunity
• 1:30:03
  too.
• 1:30:04
  Oh,
• 1:30:04
  thank
• 1:30:04
  you.
• 1:30:06
  Thank
• 1:30:06
  you.
• 1:30:06
  So
• 1:30:06
  fun.
• 1:30:07
  Like
• 1:30:07
  empowered
• 1:30:08
  and
• 1:30:08
  money
• 1:30:08
  doesn't
• 1:30:08
  have
• 1:30:09
  to
• 1:30:09
  be
• 1:30:09
  heavy.
• 1:30:09
  Like,
• 1:30:09
  let's
• 1:30:10
  go,
• 1:30:10
  let's
• 1:30:11
  go,
• 1:30:11
  let's
• 1:30:11
  fucking
• 1:30:11
  go,
• 1:30:12
  let's
• 1:30:12
  fucking
• 1:30:12
  go.
• 1:30:13
  So
• 1:30:13
  thank
• 1:30:13
  you
• 1:30:14
  so
• 1:30:14
  much,
• 1:30:15
  Haley.
• 1:30:15
  It's
• 1:30:15
  been
• 1:30:16
  a
• 1:30:16
  pleasure.
• 1:30:16
  And
• 1:30:17
  be
• 1:30:17
  sure
• 1:30:18
  you
• 1:30:18
  come
• 1:30:18
  back
• 1:30:18
  on
• 1:30:18
  Thursday
• 1:30:19
  for
• 1:30:19
  Haley's
• 1:30:19
  Game
• 1:30:20
  episode,
• 1:30:20
  because
• 1:30:21
  we
• 1:30:21
  are
• 1:30:21
  playing
• 1:30:22
  a
• 1:30:22
  very
• 1:30:22
  fun
• 1:30:22
  financial
• 1:30:23
  game
• 1:30:23
  and
• 1:30:24
  you're
• 1:30:24
  not
• 1:30:24
  going
• 1:30:24
  to
• 1:30:24
  want
• 1:30:24
  to
• 1:30:24
  miss
• 1:30:24
  it.
• 1:30:26
  This
• 1:30:27
  was
• 1:30:27
  a
• 1:30:27
  necessary
• 1:30:28
  conversation,
• 1:30:29
  because
• 1:30:30
  money
• 1:30:30
  in
• 1:30:30
  midlife
• 1:30:31
  isn't
• 1:30:31
  just
• 1:30:32
  about
• 1:30:32
  spreadsheets
• 1:30:33
  or
• 1:30:33
  retirement
• 1:30:34
  projections.
• 1:30:35
  It's
• 1:30:35
  about
• 1:30:35
  freedom.
• 1:30:36
  It's
• 1:30:37
  about
• 1:30:37
  knowing
• 1:30:37
  you
• 1:30:37
  have
• 1:30:37
  options,
• 1:30:38
  and
• 1:30:38
  it's
• 1:30:39
  about
• 1:30:39
  being
• 1:30:39
  able
• 1:30:39
  to
• 1:30:40
  make
• 1:30:40
  decisions
• 1:30:40
  from
• 1:30:41
  clarity
• 1:30:41
  instead
• 1:30:42
  of
• 1:30:42
  fear.
• 1:30:43
  If
• 1:30:43
  something
• 1:30:43
  in
• 1:30:43
  this
• 1:30:44
  episode
• 1:30:44
  challenged
• 1:30:45
  you
• 1:30:45
  or
• 1:30:46
  gave
• 1:30:46
  you
• 1:30:46
  that
• 1:30:46
  little
• 1:30:47
  nudge
• 1:30:47
  to
• 1:30:47
  finally
• 1:30:48
  look
• 1:30:48
  at
• 1:30:48
  your
• 1:30:48
  numbers,
• 1:30:49
  ask
• 1:30:49
  harder
• 1:30:50
  questions,
• 1:30:50
  or
• 1:30:50
  take
• 1:30:51
  ownership
• 1:30:51
  in
• 1:30:51
  a
• 1:30:52
  new
• 1:30:52
  way,
• 1:30:53
  don't
• 1:30:53
  ignore
• 1:30:53
  that
• 1:30:54
  feeling.
• 1:30:55
  Midlife
• 1:30:55
  isn't
• 1:30:56
  the
• 1:30:56
  time
• 1:30:56
  to
• 1:30:56
  shrink
• 1:30:57
  financially.
• 1:30:58
  It's
• 1:30:58
  the
• 1:30:58
  time
• 1:30:58
  to
• 1:30:59
  sharpen.
• 1:31:00
  If
• 1:31:00
  you
• 1:31:00
  found
• 1:31:01
  value
• 1:31:01
  in
• 1:31:01
  today's
• 1:31:02
  conversation,
• 1:31:03
  here's
• 1:31:03
  what
• 1:31:03
  I
• 1:31:04
  love
• 1:31:04
  for
• 1:31:04
  you
• 1:31:04
  to
• 1:31:04
  do.
• 1:31:05
  First,
• 1:31:06
  share
• 1:31:06
  this
• 1:31:06
  episode
• 1:31:07
  with
• 1:31:07
  one
• 1:31:08
  woman
• 1:31:08
  in
• 1:31:08
  your
• 1:31:08
  life
• 1:31:08
  who
• 1:31:09
  deserves
• 1:31:09
  to
• 1:31:09
  feel
• 1:31:10
  powerful
• 1:31:10
  about
• 1:31:11
  her
• 1:31:11
  money.
• 1:31:12
  Second,
• 1:31:13
  leave
• 1:31:13
  a
• 1:31:13
  quick
• 1:31:13
  review
• 1:31:14
  on
• 1:31:15
  any
• 1:31:15
  podcast
• 1:31:16
  platform.
• 1:31:17
  These
• 1:31:17
  reviews
• 1:31:18
  genuinely
• 1:31:18
  help
• 1:31:18
  this
• 1:31:19
  show
• 1:31:19
  reach
• 1:31:20
  more
• 1:31:20
  smart,
• 1:31:21
  ambitious
• 1:31:21
  women
• 1:31:22
  who
• 1:31:22
  need
• 1:31:22
  these
• 1:31:23
  conversations.
• 1:31:24
  And
• 1:31:24
  if
• 1:31:24
  you
• 1:31:25
  want
• 1:31:25
  more
• 1:31:25
  bold
• 1:31:26
  guests,
• 1:31:26
  unfiltered
• 1:31:27
  stories,
• 1:31:28
  and
• 1:31:28
  iconic
• 1:31:28
  midlife
• 1:31:29
  perspective
• 1:31:30
  delivered
• 1:31:31
  straight
• 1:31:31
  to
• 1:31:31
  your
• 1:31:31
  inbox,
• 1:31:32
  join
• 1:31:32
  the
• 1:31:32
  inner
• 1:31:33
  circle.
• 1:31:33
  The
• 1:31:34
  link
• 1:31:34
  is
• 1:31:34
  in
• 1:31:34
  the
• 1:31:34
  show
• 1:31:35
  notes.
• 1:31:36
  We
• 1:31:36
  are
• 1:31:36
  not
• 1:31:36
  doing
• 1:31:37
  midlife
• 1:31:37
  quietly.
• 1:31:38
  We're
• 1:31:38
  doing
• 1:31:38
  it
• 1:31:39
  informed.
• 1:31:39
  We
• 1:31:40
  are
• 1:31:40
  doing
• 1:31:40
  it
• 1:31:40
  intentional,
• 1:31:41
  and
• 1:31:42
  we
• 1:31:42
  are
• 1:31:42
  absolutely
• 1:31:43
  doing
• 1:31:43
  it
• 1:31:43
  on
• 1:31:44
  our
• 1:31:44
  own
• 1:31:44
  terms.