No gimmicks, though, no offshore tax acrobatics, just thoughtful planning, patience, and a willingness to think ahead.

This isn't about never paying taxes. You will pay them. I pay them. The point is to pay them on your terms.

Quick note before we start today's episode.

For the past seven months, this show has been 100% ad-free.

And I know many of you love that.

I read your reviews, which often say, thank you for keeping this pure.

I also read the reviews on other finance shows that sometimes say,

Thank you for killing this show with ads, you ding-dongs.

So yes, I'm highly sensitive to the fact that you are highly sensitive to ads.

But my family recently informed me that they would also love for me to earn just enough from my financial literacy endeavors to buy heating oil this winter.

Now, as always, in the spirit of full transparency, there are a few ways I could do that.

I could sell a product or a course, but alas, my book doesn't come out until next year, so we're

going to have to wait a bit longer for that option. I could charge for the content by creating subscriptions or putting it behind paywalls, which

not only goes against my values, but frankly would create an awkward mess of three years

of short form videos that have told you, I create financial content for free so you don't

have to pay for it.

That leaves sponsorships. And here's my continued promise,

the same one I made in the very first episode of this show. I will continue to be absurdly picky,

like unreasonably career-limitingly picky. That's why in three years I've only worked with one sponsor

across all of my platforms. Any sponsor you hear me talk about on this show will meet that same

bar, and I'll never work with a company whose goods or services I don't already use or 100%

would use myself. Because yes, I'd like to keep my

...