Hi, James.

Ben, how are you?

Pretty terrible.

Why is that?

Well, we are off to a very late start on recording.

Why is that?

Well, first I pushed you off because if we could start recording, a little later, I had a little trouble getting out of bed.

And when I got out of bed and the movement started,

that's when the trouble began.

There's this famous methodology from Toyota.

I think it's called the seven whys.

And I think I'm going to keep going down this path.

And why is that?

No, we need to keep this clean uh well um i had my my what is perhaps

one of my favorite meals last night which is or yesterday lunch actually which is which is

spicy hot pot and then uh you know had had some drinks last night and it's just it's let's just let's

get going with the podcast okay we'll just do three wise um uh we

we have someone to thank before we go any further and that is wealth front they're an automated

investment service built for the modern era and it's making it easier than ever to invest your money

well how do they do it well wealthfront uses software instead of retail locations, salespeople, and so on,

so it can offer sophisticated investment advice at low costs that were previously impossible.

It's exploded in popularity in the last two years, and they now have more than $2.5 billion

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