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Te's and sees apply. Hi everybody this is Phil Towne

this is Phil Towne and this is Danielle Towne and welcome to the invested

podcast where we're talking about how to be a real investor, not a speculator in the markets, which is by

definition what almost all of you are doing in my humble opinion.

You're investing in mutual funds and indexes and basically

you're speculating that somebody else knows more than somebody else I guess and

hoping the market will go up and just hoping the market will go up. And that's just by definition speculation.

What we want to do as an investor is we want to buy things

when we know their value and we're buying them on sale. That's actually investing. So you're

probably better at investing going to a garage sale than you are with your

401k. I would I would I would strongly suggest.

You mean just sort of like naturally if you're somebody who's never looked into investing or

you know listen to our 200 podcasts?

If you're doing what everybody tells you to do you're putting your money into

...