Hello and welcome to Choose FI. Today on the show, it's an extraordinary takeover.

We're doing this episode live from the extraordinary event here in Richmond, Virginia

on February 15th, and we have 115 Phi members here spending an entire weekend trying to design

an extraordinary life. And this should be a really fun episode where we just open it up to this incredible group.

I think this is what's so beautiful about Phi events is you never know who you're going to meet.

You never know what conversation you're going to have that's going to be life-changing.

You never know what person you're going to meet that you're going to be in touch with for the rest of your life. Serendipity happens, and it happens

so very frequently at these events. And this is why we talk about them constantly. This is why we talk

about Chusify local groups. This is why we talk about all the incredible events that are going on

throughout the world.

And it really makes a difference.

We built a worldwide community.

And I think you're going to see the power of that today.

So with that, welcome to Choose FI.

Before we get started, I keep this podcast entirely ad-free for two reasons.

First, this is a five podcast and I don't want to promote products that I don't want you to buy in the first place.

And second, I really like the clean listening experience of a show where you don't have to fast-forward ads.

To keep it ad-free, all I ask of you as a listener is the next time you open a travel rewards credit card, go to choosefI.com slash cards.

And with that, onto the show.

All right.

So our first question comes from Megan.

Okay.

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