What is up? What you would like to be up is your bank account. Your financial security,

if you will. And that's what today's episode is about. It's about increasing those things

by increasing your knowledge. Today we have back with us returning favorite guests and

my husband, Brett Johnson, to answer your questions about your financial situation. Remember,

no question is foolish. No question is too small or too big. But please also keep in

mind that Brett is not a financial advisor. So the information you're about to hear is meant

to be taken as entertainment. It's meant to be taken as information that you can go and

research further. It is not a guarantee. It is simply his opinion. All right. So let's

get to it, shall we? Let's do it. Let's go. All right. I'm going to start off with a question

from someone who's part of our Patreon who said, listen, I'm older. Their question is,

how do I start? It almost feels like it's too late. I get that a lot. And I get that from

people that are like even in their 30s. Really? Yeah, they think like, oh my gosh, I started so late,

or in their 40s, right? But there is no late. Investing is about time. It's like, of course,

it would have been nice if you started in your teens or your 20s or your early 30s. But if you

didn't for whatever reason, it's not too late to start. And the important thing is you just

don't keep putting it off and saying, oh, I'm going to wait six more months. The worst thing you

can do is like, oh, I'm going to wait until I have a thousand dollars. Don't let the fact that you

haven't started investing kind of overwhelm you. When you're of an older age or you have taken a

while to get to the point of investing, you're going to do it differently than somebody that's in

their 20s. Like you're already closer to retirement. You can't be as risky. So for example,

you're not going to want to be doing cryptocurrency that might not hit for 10 or 15 years. You don't

want to just put yourself in a bunch of like risky allocations where it's like speculative type

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