Ep 23: Fine print fiasco (Financial Safari)
We lay out what you need to know to best buy, borrow, and invest without getting ripped off from mortgages to car loans and everything in between.
This week's episode is brought to you by Capital Financial Advisory Group. For all your retirement needs, it's gonna be an exciting, exciting show today. Got Best selling author coach Pete D. Arruda, better known as America's wealth, financial and income coach in the House. We're gonna be talking fine print fiasco. One of his one of your best books coaches. It really focuses on how best to borrow, buy and invest. I think I got those in the wrong order by borrowing vast. Same thing. There we go. Stay tuned. We're about to hit this hard and heavy right after this, broadcasting from coast to coast. It's the financial safari with your host coach, Pete the Rudolph. You'll hear from some of the nation's top financial professionals. So stick around and find out how to make it through the jungle of the financial world. Right here on the financial safari. E All right and welcome into the financial safari. Consumer advocate Thomas Lips come here in studio alongside coach Pete Derrota. Coach. You are a best selling author. Ah, winner of many awards Emmys XPS, quill, ease. Do you sleep at night? Sometimes, Thomas. I mean, really, you know it all depends on what happens day today in my work environment. I talked to folks sometimes and it keeps me up at night. Sometimes some of the things that I hear their current advisor has done to him already explain things to him or left them high and dry or not communicating with them. Those are very important communication, vitally important. It's any relationship before communication. If you don't have communication, you don't have a relationship. It's true, it's true. And I appreciate why you wrote this book as well. I was just looking through it earlier, and you tackle a lot of topics that aren't commonly addressed in the financial world. You tackle mortgages how to buy a car, what inspired you toe right? These topics, or I guess, to choose the ones that you focus these air, day to day activities. Thomas these air what I run into every single day. People getting ripped off on timeshares. I mean, who hasn't heard about the horror stories of timeshares? And then that's half the battle and and another part of the timeshare battle that people get taken advantage of us when they try to get out of the timeshare. They pay a lot of money to someone who say it says that they will get you out of the timeshare. You're still in the time your your little your checkbooks. A little lighter than it should be. So I thought today we've spent some time on this book because this book spent, like, 16 years. Okay, but and we're getting ready to I'm getting ready to update the book like this. We're gonna have another fine print fiasco to coming out, but it's gonna be the same kind of things. And basically, if you're watching this show today, you're going to get the cheat sheet of what the second book is gonna be like. But I thought we cover some of the topics here in the book and then also give our viewers a way for them to get a copy of this book is Well, this book is very valuable. It is going to be the difference between you're getting ripped off and maybe you're not getting ripped off in the future. So why don't we just go through the table contest and take each chapter? We'll go through it. Yeah. Let's take a book report on air, which I'm excited about because this is these are really good topics to be educated on. They absolutely are. The first one is buying a car, and I have heard, uh, all sorts of different kinds of advice throughout my life. My dad has given me some advice. My grandfather is giving me some advice. You hear the guy on TV talking just like us right now? Oftentimes, though, there's an agenda. There is some sort of the person selling you on TV obviously, often wants to sell you a car, maybe a loan program, that type of thing. You're approaching this from a different perspective as a fiduciary advisor, So let's get the real nitty gritty on buying a car. Well, there's two battles at the car lot one most people recognizes. That's the negotiating, the price of the car, right? And so that's a big battle. And that's that's one where you could either save yourself a lot of money. You cost yourself a lot of money, Thomas. What do you think the second battle is and the bigger battle and the one that can really leave you in a bad place, agreeing with your wife on Which car? That's that's the third. Okay, now, now there's a third one. That is a battle, isn't it? You know, like she wants a minivan. You want a big truck? Yes, of course. Eso The biggest battle, the one that's overlooked is after you have negotiated the price and you have quote bought the car, you really haven't bought it yet. They make you think it's done. You get all excited. They offer you a you know, they've been giving you water all along. And now when you said you want to buy a car, they give a Coca Cola you wanna go? So what, you're sitting there, though, when you're wondering what's happening because you're salesman gets up and he walks away when he comes back, You know, there's a lot of walking around going on. It's not gonna be something. You're gonna do it and how are usually it's gonna take two or three. They go back to this place called the Finance and Insurance Office F and I department. That's whether you go to the fella and he's printing out these big pages. You have to sign, and that's where they're trying to sell. You extended warranties. They're selling under coding. They're selling your tires, wheels, whatever, right? They're gonna try to Upsell you. Everything there, They might even try to say a life insurance back there. So, you know, that's where you really get taken to the cleaners, so to speak. If you're not careful. So when I go in there, I say I don't need any extended warranties. This car has a good warranty. If you don't believe in the car, enough toe have its five year, 60,000 miles. Really? They're saying no, but it could break well. If you don't think the car is good, why you sell it to me To begin with. This is for a new car on a new car. I advise if you're buying a used car that you do by the extended warranty from the dealership or a reputable dealership. Don't get it after market. At some company emails, you're saying we have extended warranty because when you're buying a used car, you really don't know what you're buying. Well, I thought I had all these new best friends when I bought my last car, because for the next, it seems probably three months 10 2030 letters handwritten or at least they looked handy. Way would love to help you out with your new Yeah, but if you're buying eso, you gotta be careful, because if you're buying a used car, somebody else had that car and for some reason they didn't want it anymore. You have to do the Carfax. It's called pulling a report on the car, seeing what's really happened to the car. And but keep in mind, that's not 100% foolproof, either, because maybe something happened. They didn't report it. They said we'd better sell it before before someone finds out. So there's a dirty trick back in the day as if it had oil week or something that could force, um, special chemical in there. That would, uh, like a very thick kind of compound in the oil department or the oil compartment, where you wouldn't see the week until a couple days later or, you know, maybe a couple weeks later, there's a little thing on that used car that says little check box. And that box says, as is no warranty trouble. So make sure that you know what you're doing. You maybe you'll save a little money by buying a used car. But maybe it'll cost you out Maurin frustrations over the next couple of years, and maybe you won't ever be able to sell it yourself after that, if it's if it's a real clunker. So buying a used car is what a lot of people have been told to do. But buying the the right used car very important. So some of the used cars come on, come off a fleet that's called so there might be a rental car that who knows when when I've rented a car. I don't really care for it as much as I would my own car, Right to say that so but buying a new car, you could negotiate correctly. The best time to buy that is, towards the end of the year, the model year. So if we're in 2020 the best time to buy the 2020 car is at the end of 2020. Not the beginning of 2020 absolutely, and I always advised not to by if you have a brand new car, come out like a brand new car that's never been out before. Don't buy the first model year by the second or third because they think the auto manufacturers is still working out the kinks A lot of times, and you basically have the laboratory rabbits for them or mice, and so you don't wanna be that. So just make sure you do the right thing, but know that there's a lot of battles going on in that car lot. And, uh, the price on the sticker that they act like is there's a best price And then they knocked it down off the sticker. There's a second sticker price of the dealer has. It's a lot lower than that. Sometimes. Do your research. I have had some clients email me and called me before saying that they walked in the dealership with the book and they showed the guy the chapter, and the guy was a lot more friendly to him, knowing that they come in, came in and formed. So if you're informed you're in a better position. Same thing in the financial world. If you are informed if you're in the right way, then you're you're a lot better position to negotiate and to feel good about your purchase. And in the financial world When we talk about retirement, many of you are looking at retirement. We talk about retirement of the book to We're gonna talk about that in a later segment here on the show. But I want to offer a golden ticket to people watching. You'll get a copy of this book, obviously. But then the golden tickets $1000 value to have your very own total retirement plan done, all you have to do is call the number on your screen with limited to this to the 1st 10 callers every every time we give the offer out. So call right now, we could be meeting with you as soon as next week getting you fully educated on your correct plan. We'll be right back. And now a nightmare. Retirement consultation. Yeah. No pain, no gain, right? No risk, no reward, right? We're going all risk. See, we're gonna put everything you've got in the market. You're gonna love it. Don't walk, run from that office and go to your future retirement partner with your best interest in mind and with a plan that's customized for your risk tolerance, and that can help increase your financial confidence in retirement. this is Jo. Jo has a steady job. Ah, house in the family, but he doesn't know his retirement plan sucks. Really. He's paying high brokerage fees, and his retirement savings is not safe or protected. Joe might be screwed, but he doesn't have to be. Contact us today for your no cost, No obligation retirement Review and second opinion package when you call, will also include Coach Pete's bestselling book, Seven Baby Steps that has helped so many better understand their retirement journey. Get yours today. Mhm. Welcome back into the Financial Safari, Consumer advocate Thomas Lips come here with you again. I love that last piece we had up there. So a lot of you may not be aware. Uh, the coach, Pete, you've been on radio for going over 15 years, about 16 years. 16 years, you know, And that's every single week, A new show. So it's like we look at dog years. A member of the dogs. You'd multiply their age time seven. Sure 52 with the radio every single week. So better. Fun time, though. And every week we bring up topics that air that air relevant and good for you guys out there in the TV world to know about it. And so if you would like to listen to the radio show anywhere in the world, you go to financial safari dot com. That's the easy. And then, if you wanna ask us a question, you can. Even you invented this. You can even ask us a question, and you can hear your own voice asking us a question by recording your question right there on the site. And then it'll be answered. We'll do it on TV and radio. I think the question That's right. Yeah, it's really fun. So just go to financial safari. Calm on the side of the website. Ask a question. There's a big button you can click. Record your own voice. Be featured on the show these days, isn't it? Really is. Most everybody now has a microphone and connected your computer because a lot of folks been working from home there. You got a lot of kids have been educated at home, so s so now we have a lot of home schooling going on by force, right by force, Most certainly. Yeah, that's funny. Well, listen again. Folks were here with best selling author coach Peter Ruto. We're going through one of his greatest books I love. This book is called Fine Print Fiasco. What they don't want you to know when you buy, borrow and invest this a good home study course in the financial world. Really, all the buying decisions. We do all the investment decisions. I cover the the fine print. And I always say the glossy brochures givinthe and the fine print take us away. So we always need to look at I look a contract from the back to front cause I know that people hide a lot of bad stuff in the back. They figured maybe you'll get fatigued or not look that far back. So let's talk about one thing about the car. What we talked about buying a car. A lot of people say, Well, coach, should I lease a car or not? And leasing may or may not, it may make sense. It may not. I mean, it's it's It's a way, if you if you like a new car every three years, you absolutely demand a new car every three years, and leasing is for you because that's all you have to have it is for three years. I think there might be some two year leases, but usually three year leases. Longer leases four year. If you're gonna leak the car for four or five years, you might as well buy it, though, because because if you get impatient having the car four or five year lease, it's almost like buying it, and you're basically trapped in that. So you have to be careful. There's certain things you can buy in the least and add in the least. There's maintenance coverages you can add. In the least, there's mileage limits. In the least, you can add more miles. So again, before you do something like this, consult with a fiduciary advisor team to make sure you're doing the right thing. Because I've seen a lot of people get burnt and leases. Here's one thing about it is if you if you don't because if you lease it, you don't own it right. We agree. If you're leasing a car you don't own, of course. So why do you have to say this property tax on the car every year? You don't own it. That's one of the big singers that I hate You know, if I'm leasing it from you, it's yours. You still own it? Why am I paying your property tax every year? When you when you least an apartment, You don't pay the property tax. Okay, Sure. Use the car while you're paying a property tax. And so, depending on what county Your in our state. I mean, those taxes could be pretty high sometimes. Yeah. So, again, that's just something with your congressman. Yeah. Just know all the facts before you put your name on the dotted line. Yeah. Absolutely. Couldn't agree more on that really goes through a lot of things. You've discussed something else in this book that a lot of people need to be aware of in terms of home buying. Deciding what real estate agent you should choose, what mortgage professional you should choose. There's a lot of decisions that go into it. And a lot of people buying houses right now. Yes, they are. Mortgage rates, very low mortgage rates these days. If you And here's another thing. I'm gonna tanja for a minute. If you haven't refinanced yet, it's a good time to consider that because if you are at a rate anywhere over 3.5, which is which is kinda happened. My first mortgage rate in 1996 was 8% and I was happy. I was tickled because my parents were at, like, 12% sure eso. Then it went to six. Then it went to four. Then I had 2.99 for 15 year, which isn't bet. And here's how I refinance. I don't go and pay the banker fees over and over again. I do what's called a no closing cost mortgage refinance. So what does that? That means you don't have to pay the closing cost. Closing costs could be 567 $10,000 or added on to your loan amount. Okay, So if you keep refinance and get to get a lower rate, you may be causing yourself more money down the road. And this is just where that competition is generating a closing cost mortgage. Now, the interest rate, maybe a day. Three quarter point higher, right. But you can you can refinance every single month over and over again, and all you have to do is pay for the appraisal upfront and they reimburse you on the backside. So you really are it. It really is a no closing cost, not added to your own amount, Not anywhere. You're not writing a check. You're You're basically getting that deal. And why did mortgage companies do this? Well, they make an eight point or fourth point higher on your rate. But when you look at that, if you do pay closing costs of 5 to $10,000 it would take 8 to 10 years for you to break even, even if you got a better interest rates. And how many people are running those numbers? E. I think a lot of people forget to look at because it's true. Yeah, the average person doesn't hold a mortgage 8 to 10 years or house a lot of times, but were always refinancing. So if you're gonna, if you're gonna refinance it all in the next 10 years, do you have no closing cost mortgage and the rates now are really good on those two, you know, I really should refinance now at 2.99 I think I could get it down to like 2.5, which no closing costs, which who would have thought just a painter, but sometimes to round up all the paperwork and all that. But if you could save money, it's worth it. Absolutely, absolutely. There's something else I wanted to look at here that you discussed in the book, and that's checking your emotions at the door. And we're talking specifically about home buying right now, but obviously are buying anytime you buy anything, anything, anything, anything, emotions, cooling off, period. But maybe pretend you bought it today and wait 24 hours and see if you still feel the same way tomorrow. Like go home thinking that you really bought it. You know all these feelings that creep in after you purchase something. Buyer's remorse, they call it or simple logic, because you get that. What's that? There's a chemical in your brain that gets released when you get happy. Whatever that is, it's It's flooding your brain and interrupting your decision making process. So when it clears out of your system, your high start to open up. So what did I just do? Well, good. You didn't do anything cause you practice by okay, practice by in your mind, but give yourself a 24 hour cooling off period before you actually go and do sign something makes a lot of sense. It really does. It really does. So what else should we look at the White House when buying homes? Now, even if it's a new house, you really need to get a home, inspector, because I heard somebody say, What's a brand new house? Why don't need a home inspector? Because builders cut corners. Sometimes you had a house built a couple years ago. I did, and I ran into a few things that seemed like the builders should have just caught where there was some flashing missing on the roof of the home. Or there was a little bit of structural issue in the roof. And how would I have known as a Homebuyer toe? Look for these things? Picture. When they're building a house, there's five days and work weeks, usually in one of those this Friday and about three o'clock Friday comes around. They want to get out. Of course, we all day, so they're gonna cut some corners and then Monday comes. They forgot where they left off, and they just leave stuff behind, sure, where they do a good job of covering stuff up. Heard about people putting, Uh, if you're not watching the builders and who is if you're if you're having a new house bill Now, I know you went over there almost every day after work and looked around, but during the day you weren't there. So the stories are when people have new dishwashers put in when they have the old dishwasher taken up, there was no flooring put in other. They basically dropped on the sub for him because they knew no one would see it Dishwasher built in cabinets, Same thing. Really want them to build for the right way and then put the stuff on top of Put a home Inspector makes a lot of sense and $400 usually or something like that. Now we have to read the contract of the home inspector to Thomas because it says they're really not liable for anything. But there at least give you a punch list of things you could go back to the builder or the people you're buying the house from and saying, Hey, I'm not do anything unless we get this fixed. So again, show the book to the folks Yes, absolutely. Print fiasco. If you're one of the next 10 people call, you get a copy of this book and a golden ticket. That'll give you your total retirement plan and your coach on your side at all times again. All you have to do is call the number you see on the screen. There's $1000 value. Our podcast Financial Pizza brings you our favorite radio segments of the week with delivering slices of interviews with financial advisors from around the country, along with special reports on a variety of retirement topics all brought to you hot, fresh and in 30 minutes or less. Listen on your favorite podcasting app for visit financial pizza dot com. Yeah, yeah. Welcome back into the financial safari, Thomas. That commercial that was just on for the box set. Yes, we're not gonna talk about that on this show, but I really wanna I wanna I'm gonna talk about a little bit, but we're not. We don't have a segment for yeah, It is called the Five Keys to Successful Retirement. I think that's what we have. We have, like, seven different box sets, but I think that that was what that was. And it is a DVD, a workbook, guidebook and worksheets to keep you on track or get you on track or educate you where the track is in the financial. Because and again, in over 28 a half years in the financial arena, I've seen a lot of things. And so what we wanna do is educate you on things that I've seen gone wrong in the past so that you don't make the same mistakes going forward. And don't ever be afraid of the financial world. Don't ever be afraid to answer. Ask a question, because the answer shouldn't scare you. But here's what happens. A lot of folks didn't know the right question to ask. Therefore, they gotta answer that didn't apply to them. So this will educate you on different ways. So the box set very, very good way. Thio. Educate yourself, and if you don't have a DVD player, we can help you on that, too. But it's a DVD. Remember the DVD? It's a little round thing you put in there, but the workbook breaks down everything that's in the DVD, and then the worksheets help you design your own plan. and identify things that are going wrong. Absolutely. I had a great great honor working alongside this with you Learned a lot of different just tips and things. Preparing my own self toe head into retirement. So, folks, if you want to get your hands on the five keys box that just give a call to the number that you see on the screen or shoot us a text, that's a great, easy way for introverts like myself to get get in contact with us, but again call the number on the screen. It really is awesome. $300 value, 300 bucks away. But we're gonna waive that If you call right now, you could buy it. If you want on, we're gonna have it on sale on Amazon. But you could buy it right now or you could get it free right now if you call the number you see on the screen. Absolutely. Now listen, we're discussing fine print fiasco, and I kind of wanted to run over everything that we've discussed earlier on in the program. We talked about buying a car, things that we need to focus on. We also talked about home buying on. These were some very big topics. Not just for young folks who are getting started in their career and in life. But anybody. Thomas, anybody could learn from this. Anybody s o the we don't have time to cover the whole book. Obviously, we don't have a half hour, but read the chapters to folks and then we'll pick out when you want to talk. Well, there's a lot of great. So again in this book we cover mortgage planning, Home equity do's and dont's. I think that's a big one. Reverse reverse mortgages to timeshares. Wow, this is just full of it. Yeah, So is the timeshare salesman a lot of time. All right. And then the last one variable annuity confusion. Wow, that's a That is a confusing topic. I think that would be a good one to dive into. There was something that you would read before the timeshare. Oh, yeah, the reverse mortgage Home equity Home equity Does it. Don't wanna talk about this right now because interest rates are very low right now. I've heard a lot of commercials and I don't like commercials like commercial like to hear what people are thinking, but I don't like what they're. The theme of the commercial is our theme is that you have high interest credit card debt. Why not roll it into your house, get a lower interest rate and lower your debt or your what your bills are each month? Sure. You know why I don't like rolling any bills into your house. So why is that? Well, what happens if you don't pay your credit card? Oh, they're gonna come after you. How they're gonna come after you. They're gonna harass. They're gonna Yeah. They're gonna beat you up. No. Or they're gonna steal your house. No. Here's what happens if you roll your credit card debt into your home number one. The reason why you have credit card debt is probably can't pay the bill at that each month, right? We can't pay the complete bill. The credit cards are great. If you could pay them off it in each month because you build points, your credit goes up. Oh, I was called the credit card king years ago by the Wall Street Journal. Remember that? So because I show people it's better to have a lot of credit cards use each 11 or two times a month and pay it off. You could turn the tables on the credit scoring system. That's why I was credit card king. You get higher, higher, higher money, but you can manage it. But if you have $100,000 credit card women and you charge up 200,000, you can't pay it back. You're in trouble. So same thing if you roll that credit card debt into the house, your home where you live, where you depend on your cave, you're the cave man. That's your cave. The house. Yeah. Yeah. If you don't pay the bill now, they can come take your house. So why would you take a death that really they harass you or make you mad? You hang the phone up, you don't answer. The phone is afraid too afraid to answer the door, that kind of thing that serve you with letters, but they can't do anything. Why would you take that and put it into a place where now they could and they come take your house? Well, that's a very good e. Think is something that we need to pay it again. There's a reason why you have that credit card debt because you can't pay the bill off completely at the end of each month. Why would you take that and put it into your home and now make a bigger bill for your house? If you don't pay it, you're not in the house anymore. Sure. E guess it's approaching the conversation the right way because there's a goal that they're wanting to achieve, and they're just executing it in a wrong way. But I think meeting with an advisor and this could go into the next topic we're talking about as well. Um can help change all of that, because you can get that bigger, better opinion with someone who's educated. But don't try to go out of the loan, right, because we're here to help. And again, it's a fiduciary planning team. We have to tell you what's best for you at all times. By law, if not, we can get in trouble a lot of trouble. So I don't like being in trouble, never been in trouble in 20.5 years, never had a complaint. In 2028 a half years, we're with a B B B Better Business Bureau A plus ranking. You know it's the National Ethnic Association, the highest ranking there. But Thomas, really. You have to trust your instincts a lot of times, but you could be fooled. So it's good to have those third party resource is to know that you're doing the right thing. Absolutely. Do you want to talk about? Yeah, I wanted to talk about variable annuity confusion, and I think this is a great segue into it, because again, you are an independent fiduciary. Eso let let's dig into it. What is the variable annuity? Let's let's start there. Well, let's start with what is an annuity? Well, yeah. A lot of folks don't know annuity. Back in the Roman days, the Roman soldiers would go. Rome was out there all over the world. The Roman soldiers would leave. They didn't know where they were coming back. They had family. They want to make sure their family was taken care of. They had accumulated money, they with the local guy who was in charge of watching money. They would leave money with the local guy and say, If I don't come back in six months, I want you to start giving my family's certain amount of money per month until I come back. That was the original annuity, so they're pretty cool because there's been some stories where they think it might have been gone back to the caveman days where the caveman was out hunting, hunting and gathering. And he will leave his whatever is to clubs with somebody. They would give those to the spouse if they needed whatever but safekeeping. So you leave it with someone. You have money. You wanna make sure that money to take care of you, even with someone for safekeeping, knowing that in the future you can have an income stream, we call it growth protection income. Those are the three main ingredients of some annuities. Fixed annuities, fixed indexed annuities. You can't lose the money because it's not tied to the stock market. You can have growth sharing like the market, but the market goes down. You don't lose a single penny. That's a beauty right there. So like you're going along, you're sharing in the gains of the market. Then the market tumbles for two or three years. You stay right here. Everyone else's down there if they're in the market. So the market starts to recover. You start to recover from a point you never lost right. So that's why fixed and fixed index annuities make a lot of sense for retirement income, especially if the income comes for life. You'll never out with it. Even if your balance goes to zero, you still get income check. That's incredible beauty thing right on. And then if the market's going down, you're not tied to it. So people have loved annuities for years, But then variable annuities appeared on the scene, and it's sort of like having a first name and last name like I was Pete and I had a brother named Bob and a brother named Jeff. Our last names were derrota, So if one of us, if one of us was in trouble, the derivative voice, we're always in trouble, right? So we got we got by association. We had guilt by association, so variable if you put variable in front of the word annuity, it interrupts all that safety that we talked about all that. All the guarantees many times, so variable annuities are sold, not bought. If you really understood what was in a variable annuity. There's no way you would buy that. It was loaded with fees infested with what we call financial termites. Thomas equipe up to 3% in fees every single year. So you would have to earn 4% just to Aaron 1% for yourself, cause someone's reaching and take it 3% s. So what does that mean? So 10% return they talk about which I've never seen. Really? You have to take 3% out. So you end up with a net of seven, whereas a fixed or fixed indexed annuity, you get what you're gonna get you. There's no fees coming out, or you can share in the game of the market for a very small fee. But you're not gonna lose any money. So I think that's huge. You never want to balance lower than what you started with because of the market, right? And that's what happens in the variable annuity. It has, uh, it doesn't have the growth protection income. It does have the income aspect, but it's not gonna be is good. I don't think as a really annuity. So if you've been talked to about a variable annuity or sold one or if I had one. Now let's analyze it. Make sure you're in the right place because we could do an annuity review and then we could make annuity transfer and get you in the better annuity. If it makes sense again, it has to make sense for you. That's why you deal with the fiduciary team to give you the truth. And it's a lot easier to make a decision if you have the truth on your side. It's true, and it all begins with education. That's why I appreciate you explaining that. Yeah, it's true. Ah, lot of it begins. You're a best selling author. Fine print fiasco is one to look at. And another one, too. If you want to come in, meet with Coach Pete in the team and discuss a lot of these issues that we're talking about, come on in. I would love to give you a copy of the fine print fiasco. Maybe I could even seven steps seven baby steps as well. Let's do it. Yeah, and that's one that really takes you through the seven baby steps of retirement planning. Maybe I could get Coach Pete here to sign a copy as well. So give a call to the number that you see on the screen shoot us a text. We would love to begin this process of truly holistic retirement planning. Not supposed to be scary, folks, and I know it is. So let's make sure that we get comfortable and we get on that right track. And we have that peace of mind knowing that everything is taken care of not only today or tomorrow, but all the way through our life and our spouses, life and our kids and grandkids. Coach Pete Thomas Swisscom. See you next week. Right here. Financial Safari. Okay, you know that.