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Wow,er. Eighty-four percent of Americans think this is what creates financial success.

Brian, I am so excited about this because wouldn't you love to know what is the secret

ingredient or what's the trick that other folks have figured out in terms of how to build

financial success?

And Empower was so curious about this, to actually do a study on this.

And I got to be honest, Brian, the study results were a little surprising to me.

Well, Bo, I'd love for us to just kind of go over what the results say.

And then I want to just paint some color from somebody who's been managing money for three decades.

Sure.

And counting tell you that I think Americans, I give you credit,

because the number one thing, and I'll let you go through the rest of the list,

they said was 84% said hard work.

And without a doubt, your first job and getting that J.O.B.

is going to get you some money, that margin so you can actually start saving and building assets.

But I don't know that I'm willing to say hard work is the biggest driver of financial success.

Yeah, this is the way that Empower set this study up. They said, hey, we want you to pick. What do you think are the three largest contributors?

And so I'll respondent the respondents picked their top three.

And 84% of folks picked hard work as the biggest impact on future financial success.

65% said it was talent.

55% said it's who you know.

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