Okay, we do have a really good question to kick us off by Bizarre O'Brien, one of our

buddies.

I know we haven't heard from him in a while, so we're going to kick it off with his question.

It's about one of our tried and true kind of concepts, so I'm interested to hear what

you guys have to say.

He says, this is a nerd question.

How was the 20 to 25% savings and investment rate figured out or determined for the financial

order of operations when income is very so widely?

How much better off will someone be if they follow the food and that 20 to 25% as opposed

to Ramsey and saving 15% or something like that?

So how did you come up with 20 to 25%?

Can I jump in first because I want to talk about the difference of what's happened historically,

but then I'm hoping the team, is that one of the things we can pull up on the screen,

the what 25% can do?

We did just do a great post about this on Instagram, community tab, all that stuff.

So I want to tell you, because look, I'm the older guy sitting here, and I will tell you

when I first graduated college, the first book that really inspired me was the wealthy

barber, and that book talks about the power of saving and investing 10%.

Yep.

That book came out in the mid-90s, and then you fast forward in about the same time,

because I think it's so interesting that the wealthy barber, the millionaire next door,

and then total money makeover, Dave Ramsey's book, all came out about the same time in

...