Welcome back.

One of the biggest problems in finance is that everybody is so different.

Different goals, different personalities, different emotions, different backgrounds, different

social aspirations.

And we take that big eclectic mix of people

and so much of the financial media

and financial advice is trying to give a one-size-fits-all solution to something in which everyone

is going to actually come up with a different answer.

They have different needs.

And that's part of my idea that the majority of financial debates when people

debate about how should you spend your money, how should you invest your money, how does

this work, where is this going. They're not actually people debating with each other.

They are people with different backgrounds, different time horizons, different risk tolerances, talking over each other.

And so what I want to do in this episode is not give you any answers or even really any

opinions about any topics.

I just want to ask you some questions,

because I think the way that you figure out what is right for you

and what you're missing in finance

and what you can improve on

is not to go out and ask people for answers

is to ask yourself some questions and come up with an individualized approach that works for you.

So I think about these questions all the time in my own life and truth be told I think there

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