It's Brian Preston, the money guy, restoring order to your financial chaos, retirement, investing,

taxing. You've got financial questions. He's got financial answers. It's Brian Preston, the money guy.

We love to load you guys up with free information so you can take your finances to the next level.

So let me see, oh wow, we got a lot of questions in here. Guys, thank you all for that. All right,

let's start off with this first one. Oh, this is, you know, this is going to start out with. This

is from Mike. Mike said, my wife and I have no debt outside our mortgage. We have just started

investing. Okay. Should we take more risk now or just stick with safe things like index funds?

We're in our early 30s. So Mike is of the opinion index funds are a safe thing. He's trying to think

about, well, what do I invest in if I'm just starting? And how should I be thinking about this as

a young 30 year old with my entire financial life ahead of me? So I want to make sure because you

mentioned about a mortgage or debt. How did that come to play in the question? We have no debt

outside of mortgage, right? So we're ready to start saving. Like we have a mortgage. We don't have

credit card debt when I've student loans. We already started building this army of dollar bills.

But I don't know the thing about it. I'm in my 30s. How do I start? Where do I start? What does it turn

into? Why does it matter? So it sounds like Mike's got a good head on his shoulder and the fact that

not a lot of debt. So he's avoided that huge trap that's sitting out there. But I'm not, it sounds

like he's not very deep on having a lot of investments or army of dollars working for him. So let's

turbo charge this whole saving process. The biggest thing I would focus on is because Mike is I can

feel the pressure because he's brand new and here's the problem with the financial industry.

I think we over complicate things because we're trying to sell you stuff. I mean,

if you get if we can get you confused, you're more likely to probably buy something that maybe he's

not perfect, but you just don't want to ask a question that makes you feel silly. So that's probably

...