Hello, everyone. We're back and we're proceeding through the Financial Independence Table of

contents. And this episode builds on episodes 586 and 589. You did the expense on it. You know where the

money goes. But here's the question nobody asks. Does it go where it matters? Today we're

introducing the value matrix. We've been talking around it. Today,

we're going to talk through it, a tool that maps every dollar you spend to one of four

quadrants based on two things. How much joy does it bring you? And how much does it cost? We're

going to run four real spending profiles through it. One family has leaks everywhere.

$2,200 a month they didn't even know they were losing. Another family is disciplined, frugal,

does everything right, and their phi number is higher. A third gets told by the matrix,

you're done. Stop optimizing. Go live your life. And the fourth? The fourth will make you

rethink what financial independence even means. Same tool. Four completely different answers and

every single one of them changes the map. And with that, welcome to choose a five.

Okay, everyone, as you can tell by that intro, I'm really excited about today's episode.

And to help me with this, I have my co-host, Brad, here with me today.

How you doing, buddy?

Hey, Jonathan.

I'm doing quite well.

I could not tell at all that you're enthused about this episode from that amazing intro. You definitely prepared on this one. Oh, my goodness. I was so excited about it and episodes where we get a chance to kind of move the, move down the, what do you say? Move down the playing field. I'm trying to merge multiple examples here. But you know what I'm trying to say we're moving the ball forward. This is one that I think changes the framework for you and I personally,

and I think it's going to be that impactful for a community. I think it's one that will be referenced

in local groups and an individual kind of personal finance type settings for years and years to

come. And while I think it's been talked around, I think the execution and implementation that we're

going to talk about today, when individuals encounter or experience it, they're going to say,

...