Here's a question.

a question. Do you need luck to be wealthy?

But I am so excited about this because this is actually a question that was born out of a recent private

live stream that we did and it was awesome. It was an interesting question. It was framed up and we

said you know what that's so unique we should talk to our people

about that because we love being able to answer questions that you care about

answer the things that are most important to you.

And so the very first question we're going to kick it off with, Brian,

is exactly what you just said.

And this question was actually, it actually came from E-Money

as the person that asked this.

They said, what was your luckiest,

and this is us collective?

What were your luckiest financial decisions?

How much of your wealth building

do you think has been about discipline versus luck?

So was luck necessary to put you on the scoreboard?

Discipline versus luck is how they kind of. that was the framework yeah okay that's the

framework but I think it's important I mean all you guys have heard this this is

this is kind of a captain obvious statement but it's worth repeating is that what is luck actually when you get to the

reality of where actually the rubber meets the road is actually you having

preparation and then that intersecting with an opportunity that comes your way.

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