I know I'm not your personal financial advisor, but sometimes I feel like that because you guys will leave me comments going, hey, this really helped me retire early. This is something I just wouldn't have considered otherwise because I'm not doing it all day. And so I do believe that I have this job, so to speak, to make sure I'm educating you all properly. Now, the fun part is I love doing it. So it's not a

burden in any way. It's the opposite. But there's something I want to share with you. And this is how I want to start this episode. So what I love about my job is going to advise people about, hey, here's something that you just didn't know that might really shift your retirement, how you can save on health care costs, how you can create income, how you can, you name it. But my partner, James,

and the founder of Root, his dad once told him

something that I want to tell you all right now. And so James is the founder of Root. I'm the chief

growth officer at Root. We are growing Root as sustainably as we can. So the service never suffers. And what we really care about

is that clients go, wow, my life is way better working with Root. And when James was speaking to his

dad, his dad told James, his job is not to be an advisor. And James said, that's interesting because

I'm a financial advisor. And his dad said, your job is not to advise. Your job is to

organize people's thinking, which is sometimes telling people what not to worry about. And that's what

today's going to be about. Because I think a lot of you are worrying unnecessarily. I have a

phrase for this that I made up. I call it head trash, where you're literally thinking about

things that you worry about, that you do not need to worry, but you're worrying. It's a real worry, but it's fake. And the reason it's fake is through this example. So there's a funny one, but it's important. So I had someone reach out and go, all right, I really don't think I should retire early because I have $2 million. I'm kind of a big spender. and I just don't think I have enough, but I don't love my job.

And I said, why do you feel like you can't retire early?

They said, well, I have a neighbor. And my neighbor and I are very transparent with finances. They have more money and they want to spend less than me. So like, I know I'm not in a good spot. I said, you don't know that because you don't know their planning and their legacy goals.

They're like, yeah, I get that.

But I really just think that, honestly, there's no way I'm in a good spot. And the reality is they were in a great spot. Yes, they wanted to spend a good amount of money, but it wasn't forever. And it was to tackle travel and different things that to them was really important. And I was never going to tell them to go

retire early for the sake of it because that's the last thing in the world I would ever do.

But I also don't want someone mad at me when they're 85 with plenty of money, wishing they

retired earlier when they actually had their energy and health. And so this person reached out

a few months later and said, hey, my neighbor has a big home remodel that they're going to do. And they're actually planning on moving, but not moving and downsizing, meaning moving to get a second home. And so, yeah, they're not maybe going out to eat as much. Maybe they're not spending on their kids as much, but they really did have some big financial goals. And so the point here is this person was thinking,

there's no way I can retire early because look at my neighbor. When that's just not the case.

It's just head trash. So what I'm going to tell you today is a lot of head trash that hopefully

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