There's no shame in a dollar with Andrew Quebbemann | DFS 380

Welcome to Destin for success. I'm your

host, Jennifer Takagi, and today I have a new friend with me,

Andrew cuevaman, and we're going to talk about a super big thing.

There is no shame in $1 and I literally just got off with a

client, and we were talking about money blocks and abundance

blocks. And I love that the title of your talk is, there's

no shame in $1 Andrew, welcome to the show. And how did you get

into this work? Accidentally? I love it. Me too. Me too.

Probably, like a lot of entrepreneurs,

yeah, no, I have a, you know, science background, biology

background, and was in the pharmaceutical manufacturing

world for a long time. But, you know, as I kind of was working

my way around corporate America, just there was something always

missing, right? I was looking around and, you know, looking at

the impact that we had in our community and and all this

stuff. And, you know, the year that I started my financial

practice, I had written down so every year I do a recap of what

I'm grateful for, what I accomplished for the year before

and then for the upcoming year. You know, what are the things

that I'd like to get done in that year, I had written down I

would like to learn more about personal finance. I had a

financial advisor myself at the time, but just felt like there

was a knowledge gap that I wanted to get to. And then, lo

and behold, eight months later, I dove head first into the whole

industry.

I love that because I've taken notes, taking

notes. I have a degree in French and Spanish, and I worked for

the federal government for many years, and now I'm an energy

healer, a podcast as a leadership development trader.

And so it's very interesting how people get on these paths, and

it's like, I don't want to be on this path anymore. I'm going to

go this other way. So I love that. So years in, and you're

like, Yeah, I'm going to do finance. I love it. So what's

one of the biggest changes that happen for you when you made

this big shift. Because with entrepreneurs being the mainstay

of my audience, entrepreneurs and coaches like we all have

that one big shift mentally, emotionally that took place when

we made this hard left turn or right turn, whichever way it

went. Yeah. Yeah. So what was that for you?

It was, it was a little scary at first,

because, like I said, and I had asked the people that were, you

know, looking to get me into the business, and I said, you know,

why do you want me? Like, I don't know anything about, you

know, finance, like, I know some stuff, but not to the extent

that you know I would probably need to know to be beneficial to

others, and they're like, no, no, no, we'll train you on that

stuff, but it's the people skills, because I was always in

business development and and so I'm like, okay, so I went for

it. And, you know, initially, especially, there was, like, a

lot of imposter syndrome, because I'm like, you know, what

am I doing here? I gotta learn all that stuff, and I'm trying

to take all these tests and get through all this material as

fast as possible, because at the end of the day, the last thing I

want is to do wrong by someone. Because I had, I had a financial

advisor. I fired my first one. Oh, okay, and it was because we

had rolled some money from a traditional retirement account

into a Roth. And for those of you that don't know, that counts

as income that year, and so I had to pay a huge tax bill the

following year. And I was like, where did you think this money

was coming from? I didn't have it right? So I had to take out a

personal loan to pay my tax bill that year. I was furious. And so

I just I had that in the back of my mind. It's like I always want

to do right by everyone that I'm working with. And so, you know,

the early stages was, you know, they always say when you kind

of, you know, switch jobs, you drink water through a fire hose.

I felt like I was drinking a hurricane. So it was, it was a

lot at the time, but it was so much fun.

And so when it comes to learning new things and

jumping in, I like, I'm really good at jumping in and learning

new things. I have a friend who calls me like a course junkie,

and when I was talking to another coach who was, like,

intuitive on a different level, I'm not going to say more

intuitive, just kind of a different level, or coming at it

from a different angle, and she goes, Well, you were actually

put on the earth to learn a whole lot of stuff. So. You're

going to keep signing up for courses because you want to

learn more, you want to keep learning, and so it's going to

keep happening. And I was like, okay, great, gotta plug in here.

Okay, great. Like, I'm okay with that. But then I did have some

of the imposter syndrome, but it was also a little bit what you

said, like, who's going to take me seriously when I do this?

When I left my federal job and went into leadership

development, every bit I was in housing and everybody wanted me

to teach on housing rules. Why do you want to teach on housing

rules? I did that for years. I didn't want to do that anymore.

I wanted to do leadership development, because the federal

government was not really great at that time. Maybe it is now,

maybe it is now. I doubt it. I'm good at training people on on

leading. Like, they taught us how to manage like, how to do

time cards, how to do leave slips, how to write somebody up,

but they didn't really teach us how to lead. So I got really,

really invested in learning how to do that and doing it, but

then people are like, but Jennifer, you're a housing

person. You're not a leadership person. So what I thought was

going to be an easy translation into clients and work. I mean, I

retired and said, Man, I'm going to take a month off. And then,

literally, on the 31st day, my phone rang, and this guy was

like, Hey, would you please come do this training? I was like,

Yeah, that's the rest of my life. My phone's just going to

ring. It didn't happen that way, by the way, it did not happen

that way. But that whole thing of, wow, like, I'm doing

something new. Does anybody believe me? And they didn't like

I had to find a whole new audience, a whole new tribe. Did

you experience that? Or were your people, like Andrew, you

are so smart and you were so great in your pharmaceutical

world and all your other things that, yeah, this fits. Did you

have an easy transition, or were you like me? And it was hard

for a couple of individuals, it was very

supportive. And they were like, you know, yeah, you know, we get

where you're going. But for most of it, most of the people I knew

were family or whatever, you know, they're not clients, so

we'll just say that. So it is, it is a change and, and I've

talked to people kind of ahead of this, you know, curve of

where I'm at in the industry, and they always say, like, your

family and your close friends will come back to you in like,

year five or six, and at that point, you know, it's

interesting, because some some people, like in the financial

services industry, like, they start to specialize, and so by

that time, they may not be a good fit to help their family

and friends anymore. It's like, oh, this is kind of like, I'll

do you a solid. But, you know, we've we've progressed and we've

grown since then. So I do think that there's a part of that

where you just, you have to figure it out. And I'm sure a

lot of entrepreneurs will agree, it's it's up to you, and so if

they don't do it, and you know, if you have it, and that one

market is great, and they help you out, that's wonderful. But

if they don't, and you still believe in yourself, then you

have to go, find somewhere else to go.

So I love the title of this. There's no shame

in $1 and being in like an energy, healing, entrepreneurial

space. Yeah, I literally read a Facebook post. Somebody post a

question, posted a question, and it was like, How much do you

charge for a session? And so people were chiming in,

actually, I don't think anybody actually gave $1 amount, but

they were like, well, I offer this experience. So you're like,

Okay, well, they, they're going to charge more than a this

whatever. You're like, trying to eke it out. But one woman put

you should not charge for your gifts and talents. That is

wrong. And I thought, what? And I keep it keeps coming up. I was

on a panel a couple of weeks ago, and this woman said, Oh,

well, I don't like to charge for that because, like, I want to

give back. And I was like, Holy crap, Oly, who's going to pay

your electric bill? I don't understand. So transitioning

that into, there's no shame in $1 how does that come up for you

and your clients, and how do you navigate that?

Yeah, no, that's that's a great lead in

because if you want to give back, like, I coach hockey on

the weekends for little kids, I teach them how to play. That's

giving back to the community. I do that for an hour. It's fun.

You know, that's whatever when it comes to, you know, when

there's no shame in $1 when I say that, and I want you guys

to. Say it with me, like, there's no shame in $1

there's no shame in $1

Yeah, and when you feel the feeling behind

that, when you say that, I, you know, I find a lot of people

when they grow up, and maybe this is, you know, I don't know,

I don't know what the younger generation is experiencing now,

but we didn't talk about our money. We didn't talk about our

neighbors money. It wasn't polite to ask what someone got

in a new job. It wasn't polite to ask how much a car cost and

and so you have this pattern as a kid growing up for a long time

that we're not supposed to talk about money, and when that

translates to you, then as an adult, now you have a family,

you're looking for a new job, you're trying to understand your

company benefits, you're trying to set your kids up for success,

but now you've been conditioned to have this, oh, I can't talk

about this or, or this should be just as hard as it was for my

kids, as it was for me, or, like, all this stuff gets

wrapped into what should otherwise be. Like, money is a

tool. It creates options. It creates flexibility. There is

nothing else in it. It doesn't it goes from, you know, bad

ideas to good ideas. You know, it's just there as a lever for

you to create a life that you want. Some people wish they had

more. Some people are content where they're at. That doesn't

matter. But like the richest people, they talk about money

all the time. They they talk about how they use it, how they

leverage it, how they do this and that with it. And so that's

where I think it comes in, where this this shame, or I should be

here, or I should have done this, or it would be really nice

if, if those are the types of questions, and I hit that all

the time with clients, if those are the types of questions that

you're facing for yourself, do you want to keep living that

way? Or would you rather say, Hey, I've got this done. It's

okay. I know what. You know what can't happen. I know that I've

done everything in my power to make sure that my future is

secure. My family's future is secure. And so that's where it

starts to show up.

Well, it's interesting you say that I don't

know that money was really discussed too much in my

household, like I knew how much my dad made, but having been in

housing and then federal government, like my pay was

posted, like you could look up what I made, and, you know,

somebody was like, Oh, how did you afford that? Well, you know,

how much I make, so obviously I just made different choices with

my money. Yeah, you made with yours. And so my belief is,

always, we all have X amount of dollars, and the question is,

what are you going to do with your ex? Yeah, like, do you want

to go buy the most expensive outfit and have one? Or do you

want to buy something less expensive and have 15 like so

what do you want to do with your ex? So that's kind of how I've

always looked at it. But I'm learning more and more in this

entrepreneurial journey of mine that the wealthy people do talk

about money, and you go to a conference and they're talking

about, well, I had a six figure day, did you? And I'm like, I

didn't have a six figure day today. Like, No, I did not. How

do I get that? Let's talk about getting me a six figure day. I

want a six figure day like, tomorrow would be great. I would

be all about that. So it's interesting, and it's

interesting how those stories come up. I've taught some energy

clearing classes around that on like, attracting money into your

life, and it's like, what number one, what are your stories?

Money is bad. The root up so it's, it's the love of money is

evil when it's actually the the no money is the root of all

evil, but it's actually the love of money is evil, because, like,

if all your energies go into only money, then you don't have

the family that you're enjoying with your money, or charitable

events you're doing with your money, like, you know, telling

About the money, which is very different, very different.

So go ahead, if you want one dress that's

most expensive, that's fine. If you want 15, that's fine, like

that, that doesn't matter. And when I talk with folks like

we're trying to understand your goals and your priorities, and

then we're going to have some tough conversations too. Because

the other thing. That kind of comes up in all this is we've

got a limited amount of time, and we don't know how much we

have. And I kind of go back to like, there's this great, lovely

man by the name of sad guru, and this is his quote, but says

people only think other people die. And like, think about that

for a second. That means that we have the ability to direct our

energies in a given day, and we should try to maximize that,

whatever that is, and so, you know, when we're going through

everything, it's okay if you want, you know, to buy a new

house. It's okay if you don't want to buy a new house, but

creating yourself again, I go back to the options and

flexibility of being able to do what you want on your terms,

rather than on the terms of whatever is going on in the

world. That can be very empowering for people to just be

able to say that's great, I'm good over here.

Well, it's interesting you say that because

I've been in Spain almost three weeks now, and I've got one more

week to go, and I'll go back home. And it's been wonderful,

and I did this last year, also for a month, and in a coaching

group, coaching call, it was like the last one of a series,

and we're talking about options, possibilities, like, what do you

want to do? And somebody goes, Yeah, well, being an

entrepreneur is having your life and going to Spain for a month.

I don't want it, and I'm not going. And I went, Oh my gosh,

let's be clear, this is my choice. You get to make your

choice, yeah. And then somebody goes, Oh, I would love to come

visit. I can't afford it. And I said, well, a plane ticket is

$757 if you can get the plane ticket, I've got a place for you

to say, Oh no, I can't do that. Okay, fine. Yeah, not wanting to

do it and not affording it are not the same thing, right,

right?

And there's all kinds of different tools and

options. And you know, how do you put this all together, and

that's where it becomes very individualized for every person.

But even for business owners, like everything you know is very

tied, like all of my business is very tied to also my personal

life, it's very hard to separate it all and and just being able

to say, you know, hey, no matter what happens, I've got a plan B,

and maybe I've even got a plan C, you know, that we can fall

back on if something happens like that's a very liberating

feeling, and that's ultimately what I want for everyone that I

work with, everyone that I talk to, I love to educate, because

there are a lot of tools. There's like, 85 different tools

that we can use. Not everything is good for every person,

but everybody has a different plan, right?

Like, my idea of retirement is different than yours. And, like,

right? And what I want to do and how I want to live it and do it,

yeah, yeah. And, you know, I wish everyone

all the success in the world. I mean, it just the I guess my

belief in all this is that the relationship that you have with

money, it's a tool, it's a lever. And then the the

relationship that you have with the person in your life you

know, financial services, professional financial advisor,

right, wealth services, CPA, whatever those relationships, I

don't believe should be transactional. You know,

there's, there's a lot of listening, there's a lot of

care, there's a lot of, you know, there's a lot of

conversations where, at the end of them with you know, when I

first meet someone, very quickly, we get into a realm

that I don't think most people go into with their best friends.

Because I'm going to ask you, what happens if you die, right?

And I don't know that most friendships, I don't talk about

that with most of my friends. Maybe everyone's different, but

you're getting to a level there in that kind of conversation

where it gets very real and it can get very raw, and so it has

to be a safe place. And so for those of you that have these

relationships, are looking at having that relationship with

someone you know, trust your gut if it sounds too good to. Be

true. It probably is. But you know, it's kind of the situation

where, when you're happy, everything is great, and every

interaction that you have is great. When you think about what

might happen on your worst day, the list of people I bet you're

willing to call is very short, and I believe the person that is

responsible for holding on to your money and helping you

direct those decisions on how to go about all that should be on

natural list.

I love that, because you should be able to

call them, and I had conversations with friends

because I'm very comfortable with my person. And when I my

lack of a better term, 401, k, when I got it, of course, we

just put it in the safest thing ever, yeah. And then when I hit

a certain age, he said, every year, in December, I'm going to

look at where you are tax wise, and then we're going to roll

over as much as we can to keep you in the same tax bracket,

yeah, to get the money out. And it's going to take five to seven

years, depending on, you know, the market, multiple things. And

so slowly but surely, we got all the money moved over so that

when I was really ready to take it, the taxes had already been

paid. And I know this is something you really can't talk

about, you know, given your position, but these are the kind

of things that you need somebody in your corner to talk you

through. Yeah, how to make those decisions? And it's like, oh, I

don't want to do that now. Like, I want to wait and and then I

found out, like, when I could actually start drawing from it

with no penalties, whereas I had friends with limited, less than

limited experience, and they kept saying, you're going to get

dinged for that? I was like, I'm not getting dinged for anything.

Like, I'm going to pay my appropriate amount of taxes on

that, use my money. They're not dinging me. Yeah, it's following

the rules in Atlanta laid out systematic plan, so yeah, and

and when a bad day comes and we're all going to have a bad

day, we need to be able to call somebody who can help us get to

our financial resources that we've we've put aside and put

back for that. So I love that we we need a short list, and our

financial person needs to be on it.

Yeah, it's, it's a very, it's a very

personal thing for people. I mean, I'll just share a quick

story like the what I'm most one of my most proud stories so far

in this career as a financial services professional, good

client of mine, and she's also a friend. We put some work in

place and like, okay, we're not on the track that we want, but

we know we've got some work to do, but we know how to get

there. So cool. Four months later, I got a phone call from

her, and she goes. Dad died, and it was unexpected. I knew him

personally as well. He's a very nice guy, a super lovely human

just came out of the blue, and she goes, now, what you know? He

didn't have anything you know. I don't know of anything you know.

I know you talk to him and you know, so we started going

through everything. And you know why I'm proud of is because she

came into it with so many emotions flying around, and at

least we were able to take the How am I going to pay his

mortgage? How am I going to get through this? What kind of taxes

do I have to do for him, like all this other stuff, we got to

take off her plate to give her more time and space to do what

she needed to do to emotionally heal from unexpectedly going

through that situation. And that was, you know, I was very

grateful to be there for her and for me to be that person that

she called, that we helped, you know, figure that out. That's

the kind of stuff where life is like, there's just sometimes it

throws you a curve ball,

and you've got to do it. My I have one of. My

dear favorite aunts passed away, and my cousin's an only child,

and he was like, I don't know how to make two house payments

and my car payment and her car payment, and I don't know how to

do any of this. And I reached out to my uncle, which was her

brother in law, and I was like, I can't manage this. You're

gonna have to step in as the patriarch of the family now and

find out, because I have no idea what she had, what she didn't

have. Did she have an Andrew in her corner that they could call?

You know, those are the kind of questions that that come up and

they and you got to figure out a way to navigate them. So if you

have it a little bit pre outlined, it can make it easier

on your on your family members and loved ones when that day

comes, because it's going to come, hopefully later,

yes, hopefully much later. Hopefully

everyone lives to 120

and healthily. Like, it's healthily, that's a

big one. Okay? So, like, what is one thing you can share with the

audience that we should either start doing today or make sure

is in place? Yeah? Now? Like, what can we do? Because we

probably have somebody in their 20s listening, going, Ah, that's

way off. And then we've got somebody that I know personally

in their late 70s going, is it too late? So we've got both ends

of the spectrum listening here, yeah.

Well, for the those of

the audience that are in the early stages of their career and

they're looking forward to a very long and happy career and

very successful there is nothing like time in when it comes to

finances. If you look historically the stock market,

it tends to go up over the last 100 years. It's always gone up,

right? We've got downturns for sure, but it's always gone up.

So you've got that working for you. When you're younger, you've

got time so you can do less and have still an outsized impact.

So taking advantage of your full company of benefits, things like

that. You know, getting into a habit of saving money somewhere,

it doesn't really matter so much where in the early stages. But

just getting habit. If it's $10 great, if it's five, that's

okay. If it's 1000 fantastic. Doesn't matter. Just start when

you kind of get on towards, you know, the middle of your career,

for those of the listeners in the 30s and 40s, something

that's often overlooked is getting your trust and will set

up. Now, I'm not an attorney, so I'm not here to offer any legal

advice, but your trust and will and how that gets set up can

dictate a lot of the rest of your plan, and a lot of people

seem to go around not knowing those details and some really,

really cool things that are within there that you do not

have to Be a multi, multi millionaire to take advantage

of.

Well, to that point, I knew somebody who

passed away without a will, and he had a daughter from a

previous marriage that was now grown, and because there was no

will, everything should have reverted to the daughter, not

the wife, yeah. And so they ended up coming to a very

equitable agreement that, you know, because it was her stepmom

for many years, and they came to an equitable agreement. But I

was like, holy, crap. Holy how, like, how could you not what?

And the response I got from a friend was, maybe that's how he

wanted it. And I was like, Oh, I never thought about that. Like,

I like, I just think the wife should be taken care of first.

But those are the things you have to consider, like, where do

you want it to go? And do you want your spouse, wife, husband,

whatever, and for business to be taken care of,

yeah, and for business owners in particular,

because you've got, you know, a business owner like it's it

feels like another member of the family, right? Oh, yeah. So that

also comes your exit strategy. What do you want that to look

like, how you want partners to be able to exit or, you know,

all that stuff, like, how you want those shares of that

company like, you know, obviously, we all want to drive

and grow and develop. Well, if you turn yourself into, you

know, multi million dollar company and develop sorts of

issues that you didn't used to have. Right? That's you can

navigate those. But, you know, and this is the unfortunate

part, for those of the audience that are kind of right around

the corner from retirement financial professionals as a

whole, we're not plumbers in that like, if the pipe does

burst, we really, usually can't fix it. We're kind of more of a

planning commission than a than a fix it commission. But you

know, for those that are like, kind of around the corner from

retirement, you know, spending down your lifetime savings

usually the biggest concern there is, what happens if I run

out of money, you know, then, then what? And so it does help,

even at that stage, to talk to someone in the financial

industry to discuss how that looks and the tax implications

like you went through with your person, that all does matter,

and you can still have an impact on your retirement at that

point, and so I still would recommend that folks reach out

to someone to have that conversation even at that stage,

like it's not. It might be too late to retire in the way that

you want to retire, but it's not too late to retire with a plan

and with some intelligence behind it.

It is, and it's kind of like I'm a note taker.

I've got pages of notes right here so far. It's the idea of,

like going into a nursing home, you have to spend down your

assets? Well, okay, let's look at that. Like, where can you put

your assets so they're safe? I saw a cute little video on

Facebook, and this guy goes wealthy people go to nursing

homes and they don't lose everything. And it was like,

wait, what? And again, it's a financial it's totally legal.

Financial strategies, like how to manage your money, and just

because I never want to be that 100% financially savvy person. I

want 100% financially savvy person in my corner, guiding me

and giving me options that I can choose from. Because what is it?

Options and flexibility. Those are your two key things. Like, I

don't know what I'm going to do, but I want somebody who does to

tell me, give me some options.

And can I swear on your podcast please?

Yes. It doesn't have to roll downhill. I love it, like you

mentioned before, how, like, you know, all of a sudden your your

cousin had to deal with that situation where, you know, their

their mom passed, and now you know, the uncle had to step in.

It doesn't have to be like that. There are things that you can do

to set it up. Because I think most when I talk with people

looking at setting up their children, everyone loves their

children to death. But when it comes to like a topic of leaving

a legacy, whatever that looks like, and it can be a lot of

money, people get a little bit nervous because maybe they

didn't have that kind of money that they inherited. So they're

asking themselves all kinds of questions, but having to take

care of like a second mortgage houses, they tend not to sell

immediately, and sometimes they do, but they tend to not be able

to be sold immediately. Maybe some work has to be done in the

house before it's sold. Or all kinds of stuff happens. There

are things that happen when you pass. And I promise you, no

one's ever said, Wow, I wish someone had left me, left me

less money, because then I would, you know, have to deal

with all this myself. Like it's a pretty immediate thought, but

they like my really good friend, he told his parents this. He

goes. I want the time and space to be able to grieve. I don't

want to have to worry about all this other stuff with probate

and the government and what taxes are like. That's a

headache that I don't want to think about. I want to think

about just you and the good times that we've had and the

memories and everything that goes with that. And so that's

kind of your your option. And I think that's where, you know,

some people make decisions to set some stuff in place, to give

their families that ability to do that.

Yes, yes. And I was very fortunate. My parents

passed away 12 days apart, which was not fortunate. That was

horrific. But we did have there. They did have things set in

place. And so we did have a chance to, like, take a breath,

like, We barely got through one funeral when the death next

death happened. So it was like, Oh, wow. Okay. So yeah, that can

be, it can be a lot. And just because I don't. Want to be the

financial professional, doesn't mean I can't get somebody in my

corner. And a lot of times, depending on the investment and

how you're setting things up, the the fees for somebody like

you are handled on the back end and elsewhere, versus me having

to walk in with several $1,000 for you to tell me what to do

and how to do it like there. There are ways that this works.

That's not a lot out front. I'm just going to say that from

personal experience, I don't know what your policy is, but

that it depends on the individual right,

depends on what we end up, you know, working with, you know,

everyone on but yes, there are ways, you know not everything is

as is necessarily you know it, I guess what I've said before, you

do not have to have millions and millions of dollars to leverage

someone in their knowledge. Because, you know, I said this

when my brother went to law school, I was like, and I

started to learn more about what it was that he was learning and

why he was learning it. It was like, Okay, so he's actually

reading the rule book, right? There are most everyone else,

including me at that, you know, for for all that stuff, it was

like, we're running around playing the game, but not

knowing the rules, yeah, the game like we don't have any

choice. We're in the game. You know, we were born where we were

in the world, and that's, you know, we got the rules in front

of us for what they are, and the financial world is the same. The

The rules are out there. It takes a lot to keep up with

them. You know, especially these days, obviously, if anyone's

watching the news in the US, the story changes often. And so

keeping up with that kind of stuff and implications of it,

they may not be good or bad, but they might change something. And

so we have to pivot. And so that's the kind of stuff that's

harder to keep up with, you know, for a family running

around, you know, running the business, getting kids to soccer

practice and baseball and football and all the rest of

this stuff, life is a lot to manage. So, you know, have

yourself a team around you that supports you know, your goals

and your vision and gets you to where you want to go.

Oh my gosh, I love it. So number one, we want

options. Number two, we want flexibility. And number three,

we need a team that's going to help us navigate the path.

Because we don't have to be experts in all of it, right?

I'm not an expert in all of it. I use

attorneys all the time, exactly.

Oh my gosh, Andrew, this has been a super

fun and helpful conversation for me. Thank you for being here. I

will have in the show notes, all places to get a hold of you if

people want to reach out. Do you have a favorite platform where

people can find you?

LinkedIn is definitely the platform where

I'm most active on I do have Facebook and Instagram as well,

which you're welcome to reach out to me there. I guess the

only one I don't have is Twitter. Never really understood

that one. I just mentally never got there.

So I used to have it because I had a platform

that was so great, it just automatically posted all my

stuff. And then I lost that platform, and I'm like, I don't

even know how to log into my account anymore, and I don't

even know if it's called Twitter these days, so I don't even

know. I probably have something from long ago, far away. Andrew,

this has been delightful, talking to you people. I'm just

going to say, reach out. Have a financial planner, have somebody

in your corner, because I love that idea. Have somebody on your

team.

Thanks for being here. Thanks for having

me. Jennifer, appreciate it.

I'm Jennifer Takagi with destin for success,

and I look forward to connecting with you soon. Find the right

buttons.