All right. The question is, when investing for retirement, how do the retirement index

plans, such as the 2060 retirement, typically work? I think that they're referring to target

date index funds. So could you kind of give a baseline of how those work for someone

who's new to that?

Yeah, that's a great question because a lot of people, I know I get frustrated when I watch

a lot of the content out there, whether it's YouTube, TikTok, and people are like, just

start investing. You're like, well, how? What do I want to do? I don't want to because

I remember my first investment. It went a good one. I bought a B-share. They had a bunch

of commissions. And then it also had, it had high internal expenses and it had commissions

even when you sold it. I mean, they got me going in coming. It was one of those things,

but I was clueless. But I still, I started the process. We all have to start from somewhere.

I've just tried to really cut out the noise and the mess to actually get you working as

fast as possible and building your wealth. And what I've found for people, we love index funds.

Index funds because all the research shows that if you go out on like a 10, 15 year performance

base and compare active managers compared to the index funds, especially on like large cap

United States companies, the S&P 500, it performs like 90 plus percent of them. So why try to beat

it if you can just join it? And there's a lot of reasons for that. Index funds have low internal

expenses that are practically free. They don't have the good providers like Fidelity, Vanguard,

and Charles Schwab, the biggest providers. I just want you to do your own due diligence. They

don't have commissions on there. They have low turnover. So the taxes that they just create

from income is not a big deal. But it's still you have to figure out what's the proper mix

of index funds for me. And that's a problem because yes, it's easy when you're in your 20s,

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