Hello, everybody. Chris Martinson here, and today we're going to be talking about finance

and economics as part of finance you. Remember, anything that you see in this video and all

resources available at our websites or affiliated websites are not intended as or construed us financial

advice. This is for educational purposes. Remember, if you have a financial decision, please

consult a financial

professional. We are not attorneys. We're not CPAs. We are not financial managers. As well,

we do our best to be accurate. And everything we represent is as accurate as we know it to be.

Now, let's turn to our program. We've missed innovation, as you've stated. We've missed better

service because Charlie Munger,

Warren Buffett's partner, I believe it was him that made the quote, show me the incentive and I'll show

you the outcome. My favorite quote. So when when you tell, okay, these companies are too big to fail.

Well, guess what? If I'm a medium-sized company, Chris,

I've got to become too big to fail in a hurry because now I can get away with things.

Well, hello, everyone. Welcome to this finance University. Peak Financial Investing is the host of this. I'm Chris Martinson, your host of this particular thing, with Paul Kiker of Kiker Wealth Management. Paul, good to see you again. Good to see you again as well, Chris. Well, you know, we had a second part of this that we did for subscribers at Pete Prosperity

last time. We talked about excavators, and I'm talking the things that move Earth, really

popular. People really wanted to hear us talking about excavators, so that's good to see.

That was fun. I enjoyed that conversation.

Yeah, I did too. I did too. And I'm busy looking at that. But today we're going to be talking about all things financial. And so what's on your mind? I got a lot of things on my plate. I hardly know where to start at this point in time. So where would you like to start today? I'm about the same. It's like there's been so much data that's come out over the past week. It's like I'm sitting here going,

okay, what is the most appropriate to use? But it's all very important data from, you know,

credit card rate balances are stretching out to all-time highs. Delinquencies are running high

recessionary levels. You know, late payments on autos and savings rates are

in an all-time low, via the markets are absolutely oblivious and continue to run, or at least

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