We are going to talk finances. It's always interesting when we're talking about things here on the financial health and wealth show because we do also get to talk about how that sometimes things take an interesting turn and don't you don't end up where you thought you're going to have and that is kind of the explanation that we have for today. It's just been a little bit different than what we thought. So I am miss Shannon. Our good friend Cassandra Brays is going to be here very soon and we are going to be talking to you about a variety of things that can help you get on the road to financial health and wealth. I think it's really interesting and I'm going to ask her about this when you get here that she's been talking about how her intro calls with my toggers have been going very, very well and that if you want to get in touch with Cassandra and her team. It's really easy to get ahold of them. Go to Avila wealth.com. That's A-V-I-L-A wealth.com or call her at 651-600-0855 to set up those intro calls. It's a great way to just start the conversation. In case you were going, oh, well, you know, I don't know if I have all the information. I don't know where I am in this particular journey. Here is a good way to go ahead and get started and have everything work. And welcome to the room, Cassandra. Thank you. We had some little technical blips that came up and it was way. Plus, I heard that you were locked out and they weren't letting you in. There were a few issues along the way, but that is life sometimes. Exactly. And we are just, what I thought it was interesting is how it's a really good, just a comparison of what your financial journey might be. Exactly. That you go, I thought I had the best plan. I thought it was going to work out. I thought it was going to be on time. I thought, and then you have to take a detour and stuff happened. Right. Exactly. If you don't account for some of those detours, sometimes that is a bigger setback than what you had planned and expected. Right. And so, but it doesn't mean that you want to eventually get whatever your final destination is. Correct. I mean, it might just take a little bit more time. That's right. And that's, and like you said, I think that's a really good metaphor in general for financial planning and just our lives as a whole. Because sometimes we think that we're going to get somewhere at a certain time and that might not work, but there are the takeaways. There are many paths to success or to getting to whatever your goal might be, whether it's financially related, whether it's health related, whatever goal you might have in life. There might be some detours and there might be some things that are roadblocks and some things that could be perceived as frustrating. But I also think sometimes those things are there for various reasons in our lives and they can make us stronger. Right. And you just need to figure out a way to adapt around them and go, here's the next step for me. Right. Exactly. Some of those things just can, they can make us stronger. They can prepare us for other things in life. If you're at a point right now where you're ready to take on some of those financial things in your life that you want to feel more empowered about, I think that's one of the big comments or a common theme that I hear from people. I was just talking to a specific client to mine this last week and a few of her ladies that are friends of hers and they're all retirement age. They're just a bunch of fun ladies and we were talking and the one lady who was my client, she said, "What I really appreciate is that you make it easy to understand." And she said, "I feel like I'm making the decisions." And I said, "Well, you are." But she said, "But you explained it to me so I can understand it." And then I feel good about making the decisions. So I'm going to need a favor real quick. So Ellie, if you can just real quick, go ahead. We're going to start the conversation. I'm going to take a break real quick. Yeah. And then you can go ahead. Ellie and I can do this. Yeah, for sure. But basically, I think it's one of those things where when people have the information, the knowledge, the ability to feel like they have all the details, right, that are in front of them. And they understand what the question is, right? It's easier to answer a question when you feel like you understand it. Yeah, entirely. I mean, isn't that kind of the nature of all the information? Right, exactly. So I mean, the message I have for people is I encourage people work with who you're comfortable with, work with someone that you feel comfortable asking questions to, making sure you understand things. I have this lovely lady who is becoming a new client. And I had asked her, and one of our earlier meetings, any questions, do you have any questions about anything? And it's common. Sometimes people will say, well, I don't even know what questions to ask. And that's fine, too. So I love that my advisors or my real estate professionals, because I don't like feeling talked down to. I don't like this idea that, you know, a professional needs all this information, but their clients don't need that information. Right. That feels like a disservice to your clients who want to know this information. Yeah. So I mean, what I try to do is I try to explain the things that I think would be helpful for them to know. But then this particular lady, this one from last week, she came back for another appointment, and then she had a whole list of questions. And I said, that's great. Let's go through your questions I want to make. And she said, well, I feel bad. I should have asked these before. I said, don't feel bad. This is how it works. Sometimes we don't think about the questions in that moment. And that's okay, too. Sometimes we go home or the next day we think about, oh, what about this? And how does that work? And can you explain this to me? So, and we went through every single one of her questions and she said, okay, thank you. Now, I feel better. I understand this now. That makes sense. But I think that's one of the biggest things is make sure you feel comfortable asking the questions that you may have. So I think this is probably a good time to run through a quick little break. Yeah. I think you want to discuss when you come back. We are talking about investing in an election year. Did anyone know we're in an election year? Oh, spoiler alert. We're in an election year. So that's what we're going to talk about. Well, that'll be fun. You can join us for that conversation when we come back. You are listening to the Financial Health and Well Show on MyTalk 107.1. Welcome back to the Financial Health and Well Share for my friend Cassandra Bager from Avila Well here on MyTalk 107.1. I am Ms. Shannon. And so we are talking about a variety of things. We're going to talk about investing in an election year. Yes, we are. I do want to remind everybody, though, about the webinar that you have coming up. Yes. So the topic is thriving in retirement. And that is going to be the topic. However, that being said, it would be something that could be applicable to someone going through any major life transition. And so I even have some other clients in mind that to reach out to to let them know about it, that maybe went through whether it's a divorce or maybe they went through a period. If you've got, let's say your kids, just your last one went off to college or, you know, just different things like that. I have one where they lost both their parents in the same year where it was, you know, a lot of when something bigger happens and you're going through that period and you're maybe in some of those uncertain waters and things. And so this webinar, it's going to be on September 26th in the evening, about 30 to 40 minutes and then some time for questions. And so it's this lovely lady that's out of Ohio. She's a retired teacher. And this is what she does because she realized that so many people got to that retirement period and then needed some help kind of with the transition to thrive a little bit more in the retirement. Right. So it's a neat, it's a neat webinar. But like I said, it's a webinar. And so if anyone has an interest or if you know someone that it could be beneficial for them, let us know and go to AvilaWealth.com to our website and we can get you the information. Because when we started the conversation about those twists and turns that you take, even if you're planning for your retirement, you're like still like, well, now I'm here. How do I move into what it, you know, what do I look like? What do I do? And I mean, by look like, I mean, what is my current personality? Like, what do I want to do to make myself? Yeah. Enjoy this transition. And what am I going to do with my time? How can you get the most out of it, right? Because that's, retirement can be something that people, most of us spend our whole life working towards, working towards, working towards something. It's a goal in the future. Even if it happens prematurely for us, for whatever reason, it's something that if, you know, just to have some guidance on even just living out. A more productive time and, you know, making the most of it. So what we do on the financial side of it is help people to be prepared, make sure that they are going to be able to live the life that they may want to live, but then it's also, what are you going to spend your time doing? Because you have total control over your time. So you have control over your money as well. We can help guide you on that and position you so that you can do the things you want to do. But what are those things? And would it be helpful for you to have some conversation, some guided conversations, even that someone can help even post questions and things for you to consider? So that's coming up on Thursday, September 26th. Correct. Yeah, it's going to be really good. I'm excited. It's the first time we've really had this specific topic, you know, that we're bringing to people and bringing to our clients and things. But it is, I mean, we have the baby boomers are the biggest segment of our population right now, and they are in those retirement years. So whether you're already retired, whether you're about to retire, whether you're even 5 or 10 years from retirement. Or again, if you've gone, if you're going through some significant life transitions, it could be a very valuable use of time that evening. Right. And so that's going to be again on Thursday, September 26th. And speaking about baby boomers, you also have your in person. Yes. There's actually two. So there's going to be two of them. There's one October 8th. And then there's one November 12th. They are both south of the city. So, I know, if anyone's wondering, so why do you do himself at the cities? Well, that just happens to be the area I live in. So if someone wants to coordinate and book a time in another area, I'm happy to do that. It's just, that's, that's what I've done. So if there's an interest somewhere else, great. But so it's south of the cities, October 8th and November 12th. And you can, again, if you want the class information, if you want to register it for it, I think the fee is like $49. It's two hours. Two hours, lots of handouts, lots of information, Q&A, right? I love to have dialogue. I love when people ask questions because we can dig into things and go down different rabbit holes, right? And if you have the question, maybe somebody else in the room will have it as well. So that's fabulous. I love because you talk about that all the time. If I have the question, probably a lot of other people do. And that's exactly how it is. So the dialogue is great. So yes, if either of those two classes, and again, the baby boomer one is because baby boomers are at that retirement age. But if you just have an interest in learning about retirement, even if you're not a baby boomer, you're welcome to attend. I love that. I mean, if you want to come as a couple or come individually or however that works for you. Right. So let's talk about, again, did anyone know it's an election year? Did you know that Ellie? Did you know Ellie? No, I was avoiding it, but now I do. Okay, take it out on the stand, right? Very difficult to avoid. It's hard to not know. You know, I, you know, as far as my financial health and wealth, you know that a lot of what I watch is things like Bloomberg TV and all this stuff and watching the way that there are clearly things that are on hold because we're in election years. There's things that are being escalated because we're an election. But it's clear that being an election and especially a pivotal one like this one is very affecting of a lot of the financial markets and things that are going on. Like you can hear that from a lot of, like all of the pundits are talking about how it's also affecting the economy. Sure. So a couple of things. I want to help people to, if we can, I hope we can try to ease some anxiety maybe because first of all, election years in general, statistically more often than not are positive years in the market. However, maybe you know this already. But, but the market when we talk about the, you know, the investing world and things does not like uncertainty. But how many of us do, right? How many of us like uncertainty? Whether we, whether we like the answer or not, sometimes we just want an answer. And so that's where the market is at. So leading up, I mean, we're less, less than 60 days, I think, so leading up to the election as it gets closer and closer likely, I don't have a crystal ball either likely, there will be a lot of volatility because we are getting closer and closer to the time when we're going to get an answer. However, after that point, no matter what the direction is, right. And I know, like people on both sides, I think are very, very emotionally invested and hopefully no one jumps off a cliff no matter what. Yes. So we will move forward as a country. So once we have an answer. Once we have an answer. Just having an answer than things usually. Having an answer, the market usually comes down some, right? Certainly, depending on who's elected, it can have an impact over time. However, initially, some of the volatility at least hopefully will start to at least work itself out. Now, that is what we would expect in a normal circumstance and situation. So there's a lot more that we have to talk about. There's one quote I want to share really quick that there are decades where nothing happens. And then there are weeks when decades happen. And I feel like that is kind of where we're, you know, I feel like we're at that point though a lot of times now in our country and our society, partly because of technology advances. I feel like things are moving faster and faster and so forth. So again, if you are feeling like things are moving really fast and you want to do something, whether it's about your finances or about anything else. I think just taking some of those first steps can be really helpful in helping us have a sense of that we're doing something and we're being productive or we're moving in the right direction in a direction in a direction. We got a lot more. So I hope you stick with us. Right. And you are listening to the Financial Health and Well Show. That's Cassandra Brazier from Abilah Wealth. Remind you can always get a hold of her and her team by going to abilahwealth.com. That's A-V-I-L-A Wealth.com or call her at 651-600-855. We'll be back right back with the Financial Health and Well Show here on MyTalk 1071. Welcome back to the Financial Health and Well Show with our friends from Abilah Wealth. This is Cassandra Brazier. Shannon, we encourage you to be part of the show. You can call us at 651-641-1071. That's 651-641-1071. Trying to hopefully bring some anxiety down because there are some big deals that are going out there. And we're not saying that what's going on with our election or election. It obviously can be causing a lot of anxiety for people that are out there understandable. So hopefully this will at least pull down the anxiety that might be about what's going to happen with my investments. Let's look at the bigger picture too. We're two thirds roughly maybe through the year. You may be, if you're closer to retirement, you might be a little bit more concerned about what's going on in the market. But also, that's why I would say this may be a good time to talk then to see, well, where are you positioned? Because if you're positioned properly this time that we go through with the election and maybe even some of the aftermath, you should really fair. Okay, right? I mean, that would be the hope. If things are positioned properly and you understand where things are at and they're positioned properly for the timing of when you want to take income and making sure that there will be enough income provided. Regardless of some of the volatility of the short term, some of those types of things, that can give people a lot more peace of mind. That can allow people to let go of that anxiety to breathe a little bit deeper, to have more peace. And so that's where too, I think having some of these conversations is helpful. Knowledge is power. It's also can be peace. Knowledge can be peace. Right, because you've given yourself enough of the information to be able to go, "Well, I'm making the best decision I can with the information that's available to me." And so you don't feel like things are being done to you. You were involved in them, understandable. Mm-hmm. So if we look at then, like I said, some of the, first of all, again, any election, I think, is a wildcard year. That's just how I look at it. Going into it and I always talk to people about it. What do you expect in the election year? I don't, I just, I expect there to be a lot of unexpected things. That's what I expect in an election year, because it is, it's a wildcard. But like I said, regardless of who your candidates are, they, you know, them as their, you know, discussing policies that they might have or what they're doing or partnerships or who's on their side can ask, you know, can, obviously it's going to make some impact on what certain things happen in your investment market. Right. Okay. You know, and, and, and some of that stuff, like a new, if, if a piece of news information comes out, if the market is going to react to it, it's usually a short term. It's usually, just like sometimes if we have kids or something and something happens, our emotions might flare for a minute, right? Or for a short time, then we level off, then we're fine again. So it's similar to that. If a piece of news or something comes out that might have an impact on the market, it's, it's something like that, unless it's major, right? Unless it is what we would call a black swan event, which is something that is, we consider it an unforeseen, un, you know, unpredicted event that happens, like COVID was a black swan event, you know, the, you know, 9/11 was a black swan. Some of those things that happen and then there is a bigger impact to the market, but then it does typically then have a reversion to mean where it gets back to normal again, but it can have a bigger short term effect than just a headline, right? That might have a blurb. Is it sometimes that, you know, history has, we've seen how we've weathered other things. So we go, oh, well, we know how to deal with this because it's similar to X that happened 20 years ago. And so it just, right? Yes, I know, right? I mean, of course, there's always every, every day as we move forward, right, is never the same as the day before. So certainly things, there's an evolution process that happens in the market and there's a learning process that happens just like for us. That, you know, the way we would have handled a major event in our lives, maybe 20 years ago, might be a little different than the way we would handle a major event in our lives for various reasons, right? Right. And so the market also, the traders, the people who are investing in the market, as we all continue to evolve and grow, we can look back historically to use information to guide us moving forward, things of that nature. And so, you know, there can be similarities. There can be a lot of similarities. There can also, hopefully we've all, we continue to evolve as well as we move forward. And they, you know, in markets and then in the investing world. So, so that, but that's why, like I said, having, I really do think, I think having some of that information is helpful. So let's talk a little bit about most people, you know, you know, you know, that it can be beneficial to quote by, you know, to go into the market when it's dropped. Mm hmm. That can be a hard thing to do. And so when you see a lot of volatility that can create anxiety, that can make you maybe hesitant where you say, well, what if I wait, maybe I should hold off. Maybe this is not the time to put money in the market. But when it, when you are dollar cost averaging and adding, like, for most people doing it with their 401k through your paycheck or maybe you're investing dollar cost averaging every month into another investment, whether it's a Roth or an IRA, whatever you're doing. That, when there's volatility, that can be beneficial because you, you know, when the market is down and it drops and you put the money in and then it comes back up again, you're picking up a better, you know, you bought it at a good price point when it was down. And then it went, goes up. So those are times quicker. Correct. Like, yes, you can get a better average of return over time. Now, if you are on the other side of retirement and you're taking money out and the market is volatile and you're pulling money out of an account that is, that is really moved. It's, it's impacted by the market movement where it's maybe not positioned in the best way to take an income from, because some people try and DIY, right? Then they think that they are okay and they're going to be okay over time. Being a strategic with how you draw income from your retirement accounts can make a big impact. So you might want to put that drawdown on hold for a while if it looks like you're having a downtrend in the market or? Well, for sure. I mean, that could be very beneficial, but can, but can, can some people live without income, right? You may need income and that's most of us do, right? Because there's a cost to a lot of things that we need to live on. So if, so in those cases, being strategic about where your money is placed, being strategic about when you take money from what buckets and having some options and things can be really beneficial, but also just how your money is invested overall, right? Is important when you're, especially when you're in that period of drawing and income, right? So CNN, TIA reported and CNN talked about this in May of last year of this year that in election years and things, a moderate 60, 40 portfolio, which would be 60% stock, 40% bond. So that's pretty balanced, right? That's a kind of middle of the road for a lot of people. It would have fared relatively well across most presidential election years, going back, except from a few, going back to 1932. So again, like I said, in general, over longer periods, if you can stick with things and not allow that anxiety to impact your immediate decisions with some of the investing. So which years would have been down? Well, 1932 would have been down 1.4%. And of course, that was during the Great Depression. 1940 would have been down about 4.7%. Of course, that was World War II time. Then we jump all the way to 2000. 2000, what was going on? It only would have been down about 0.8%. That was the tech bubble, right? But even during that time, it was only barely down. And then 2008, there was a 20% negative return that year. Of course, we know the housing, the financial crisis, the Great Recession, we went into some of those things. But they also talked about that over time, those negative returns did not have a big enough impact that it would have given you less of return. If you would have stayed invested during all of those years, you would have averaged about 8.7% over time, which if you take out election years and non-election year rate of return over those years would have been 8.5%. So staying invested during election years actually would have pulled out, albeit very minor, right? But even a little bit more. Now, that is over a long period of time. I understand that. Most people do not have a 50, 60, 70 year time horizon, right? So I understand that. But that also speaks to why I think we really need to be strategic. You really want to make sure that you have a plan with what's going on with your investments in your money. So if you're in that kind of, because you said, everybody probably needs some sort of income, so that you can go, "Well, what else can I tap into in one of my other buckets for the time period?" Fair enough. It seems like a lot of what you're saying is that we're giving them enough information to go, if you stay the course on whatever your plan was, if you have a plan, stay the course and then make what might be minor adjustments. I have to feed this whole concept. Because of the volatility, though, this is what's interesting, too, is that in presidential election since 1952, this is something LPL came out with, they said, "If you were just invested in the S&P 500 over that same period, is that you would have generated an average return of about 7% during presidential election years, only during those years." Right? And so, which is actually less than that 60-40 portfolio that we talked about. Maybe that gives you hope, too, if you're someone closer to retirement, that you maybe would do even a little bit better than some of those people that are in their growth years. But also, what that says when I look at it is that if you are someone closer to retirement and you haven't adjusted your portfolio to reflect the timeframe for when you're going to retire and you've stayed maybe too aggressive too long, you're probably taking on too much risk than what you should be taking, and that's going to reflect in your overall performance also. Okay. Does that make sense? So, there's a lot more we got to touch on in this election year and investing if you can stick with us. Yeah, absolutely. You can also be part of the show. You can call us at 651-641-0171. We'll be right back on the Financial Health and Well Show with Cassandra Brager from Avila Weld. Here on my talk, 107.1. There we go. Everybody, I know. That was one of those songs that when it first dropped, I saw it and then I looked up the video and then I just played it for like an hour. It's like a happy song. It's like a fun song. Oh, that's such a good song. It's on your Let's Smile Jam. That works out. He has a new song that he has with Lady Gaga. I will send it to you if you have not heard it. I enjoy his part a lot. I don't dislike her part, but I like his part better. It's more low-key than I was hoping for for a Bruno Mars Lady Gaga collab. I'm not surprised because Bruno Mars also likes to make. That's a banger, but he likes to make unrealistic relationship songs. Okay. He has a lot of, "I love you more than morphine. If this doesn't happen, I'll catch a grenade and jump off a bridge and do stuff for you." It's very unrealistic relationships, fairy tales. So for you two who are both successfully relationships, for me who is not, I'm like, "Well, this is setting up. I'm never going to be successfully relationships. I expect it to be like what plays out in a Bruno Mars song." But also because we are helping you live in the world of reality. That's right. In reality, there are ups and downs just with your real life and also with your finances. And that doesn't mean that you can't eventually get back to an up. That's right. That's right. And I know we had someone who called in with a question here. And Ellie, what was that we were going to talk about? Their call was? Oh, they were just had some questions about if this was a good time to buy a car considering the relatively low interest rates. Or if the, if being an election year, they should hold off because those interest rates might swing more wildly. Mm-hmm. Buy all the new cars. It'll help our economy. I'm kidding. Okay. Spend your money. Spend all your money. Oh, do not do that. So here's what I would say. It is a layered question. And so I would say take a look at your finances. If you are someone who does not need a new car right now, certainly you could still buy one. But I would say make sure that your finances are all in order. You know, you have the emergency funds set up that you're not going to deplete it or, you know, at a, in a risky way to make this purchase, right? That you don't have to tap into your retirement funds to put a down payment on or something like that. Now, if you have a couple hundred thousand in the bank and you're like, "I just want to take twenty-five thousand and buy a car." That's probably different, right? That's a different conversation. So if you need, if you really need a car, again, I would look at your financial situation. Interest rates are, they have started to come down a little. I wouldn't say they're low low, but also you're right. They're historically lower than they have been in a lot of years. So if you really do need a car and you're going to buy it on a payment, again, look at your finances. I wouldn't go out and buy a car that it's going to eat a big chunk and a percentage into your budget if it would be smart to be saving more, right? If you have certain financial retirement goals, whether it's paying down debt, paying off your car before retirement, saving more in retirement, whatever those look like. So again, if it's going to put those other goals in question, right, or set you back, that's something to consider. So a couple of things I will say is that if you're going to buy a new car, usually waiting towards the end of the year. At the end of the year, they have some of the best deals typically because they're trying to get rid of their inventory and things for the next model and so forth. So if you're going to buy a new car, if you're going to buy a used one, that's obviously a little different. But just looking at those things, looking at the interest rates and the trend, so maybe, you know, just considering some of those things. Consider what does your current financial situation look like? How are you doing there? How's your cash flow? How's your overall savings? And take kind of like a barometer, right, like check your heart rate, check your blood pressure, right? Kind of check your overall, take a financial health checkup and then use that information to see what do you feel good about doing and spending in that moment. And I have people that come to me and ask me the question and say, what do you think I should look at here? And they literally will say that, or should we buy this new house? And this is the payment and this is how much it'll cost or I'll have to pull this much out to buy it. And we have those conversations and I just tell them, then this is kind of the income we could really realistically look at moving forward and then they can decide. So, I mean, that's what I would say. Again, that information will help you look at your decision. Right, so possibly. So the answer is maybe. Yes, exactly. Maybe. But it also is a good thing to have those numbers done. Things to consider. Because you're right, we are in an election year. So, hopefully, we're bringing down anxiety though because I think in a lot of ways when we're talking about election right now, I think it can bring up our anxiety. And so forth. We are not trying to do that. We're not trying to create anxiety. Hopefully, everyone will have a good sense of who they want to vote for and for whatever reasons. And that's not what we're here to talk about today. So, there are certain things in an election year that can be indicators and things that can be impacted in an election. Healthcare renewable energy infrastructure, some of those kinds of things may increase or not increase based on who's elected. There's different economic indicators such as unemployment or GDP growth or lack of that can also impact the market and the performance in an election year. There's so many things we could talk about. I know we're running out of time here, but because of that too, I also want to make sure people, if you joined us partway through the show, you know about the webinar that's coming up. About thriving in retirement, again, can be anyone going through transitions. And that webinar is coming up Thursday, September 26th. So, reach out to us if you have questions on that. Also, our two baby boomer classes that are coming up. In person, one's two hours long, two hours long people. And I could, I mean, if you guys have been listening in for any length of time, I could talk about hours and hours, but there's one October 8th and one November 12th. And like I said, if you want to have a class in your area, reach out, send a note, send us a note at AvilaWealth.com, and we can talk about the possibilities of that. And we have to see how your community ed works, or if there's some place that's a good venue, that would make sense. So, you know, since you also were talking about, you know, having that conversation about talking about couples, talking about this, there's a variety of different things you can discuss. There are a variety of topics. Because Mike, I mean, Mike and I go, we, you know, we go to churches and have talks for couples and things. So, there's a lot of topics and conversations that can be had around finances. And if there's a topic that you really want to learn more about or you think there's a need, that's where a lot of great ideas are born, right? From the need, you know, necessity is the mother of invention. So, if there's something, whether it's a topic on the show, whether it's a topic you'd like to hear in a conversation or a class, we love to hear ideas. We love people's ideas. Right. And also, I know that you love talking to my talkers and having them call you and do that those 15 minute intro calls. It's so, it is. It really is. It's, it's so fun. It's an enjoyable thing. Like I said, the, when someone says that they're my, I just met a lady too here this last week, who was friends with one of my clients. And she said, "I know you." And I looked at her and I thought, "Where do I know her from?" And she said, "No, I hear you on my talk." And she said, she said to me, "I envisioned you older." I thought, "Oh, interesting." Is that, well, maybe I sound mature. You're very wise. You're wise. That's how it is. I mean, more than 20 years in the industry, I guess I've, hopefully you've learned something right after 20 years. Fair enough. Absolutely. Any industry, right? If you're in 20 years, you've, hopefully you've learned something. And coming from the legacy of financial advising that you come. It's in the family, right? It's a family, it's a family legacy. So it is. But I enjoy meeting my talkers. I feel like there's an instant connection, right? There's that familiarity. Right. You have something in common. You can enjoy the conversation. It's a light, fun conversation. It's the vibe. I think it's one of the best ways to talk about finances. Absolutely. If you can start out from a friendly perspective and not like a heavy, emotional from a place of fear. Right. I think it's a great way to start that conversation. Right. So you're looking at your financial health from a perspective of abundance. It's very, you know, it's very freeing. You know, what can I do? And you, you definitely do that. Cause I was like, you help people look at it like, where can I go and look at, you know, those, those happy moments. You can create by having this information instead of going, Oh, it's too hard. I can't figure it out. Right. No, it's a big difference. I like to look at every situation and what are the possibilities, right? What are the possibilities and what can you do and, and what are you going to be able to do when you take these steps? And that's, I think that's a great focus to have when it comes to a lot of things in life, but especially with your finances. You know, what are, what are the possibilities? Right. Not what are the drawbacks or what are, what can't I do? Right. What can you do? Or not only what did I do wrong is you probably did a lot of good stuff too. You know, the person who has never made a mistake. Raise your hand. Right. I mean, honestly, we've all made mistakes. They're all maybe similar, some different. That's okay. But we all, you know, you have to, it's like, you have, what did Michael Jordan say? Right. You miss every shot you don't take. Right. I mean, and he missed a lot of shots too. Right. So we, we have got to try, take those steps, move in the direction that we think we're supposed to be going and then find the people that can help assist you along the way, right? Build your team. Find the people that you enjoy working with. Life's too short. Life is too short. You know, build a good team around you. And I mean, just start moving towards your success, whatever that is. So if they want to start their team with you, that's a good way to get. Have a low wealth.com, A-V-I-L-A wealth.com, 651-600-0855. Right. And we'll see you next time. Thank you for joining us for the Financial Health and Wealth Show. We are in my talk, 107.1. Security and advisory services offered through Harbor Investments Inc. Member S.I.P.C. This material is for educational purposes only and is not intended to be financial advice. Please consult a professional on your situation. Content paid for by Have a Low Wealth. [MUSIC PLAYING]
