What if you were the world's worst investor? And all you did is you built up cash and then at the very peak right before every bare market you invested. So I invested at the top of 2007 and then right before fourth quarter of 2018. Even that investor over a 30, 40 year period still ended up with a huge portfolio. Because if you can give it enough time, you don't have to be right. You just have to be in.

Not everyone is upbeat about the future.

So can anyone financially make it in America?

News media is telling everybody the system is stacked against you.

And I get it.

We have a lot of headwinds right now with inflation and housing and so forth.

I think most young people don't realize their most valuable resource is the time, the decades, and letting that kind of do the hard work for them. The longer you wait, the more the pressure builds on your own shoulders. For anyone watching who might have money to invest, where would you say are the best opportunities today? Right now, today, if you want to make a lot of income.

Thank you so much for coming on the ice coffee hour. I've got to say I've been watching your podcast for years. I think since I started watching YouTube videos, you have pretty much

the longest running personal finance podcast going on, what, 10 years?

Well, it's so funny. We started the podcast in 2006, January 2006, pretty fresh air there.

Not a lot of podcasters back then. And then we got into YouTube in 2017. I think you got you beat us on the YouTube side.

Wow. But the podcasting, um, and full disclosure, podcasting back in 2006, we got a lot of notoriety

pretty quickly, but I treat it as a hobby. I didn't, I didn't realize that I had landed on a

great business idea. It just seemed like as an educator or a mindset of an educator that we had hit

something that was going to be really cool, cultural changing. It wasn't until we hit on YouTube.

That was like, you know what, let's start throwing some resources and turn this into a business.

And actually, I think that amplified the message even more. Yeah, but you also have a business

behind this doing wealth management with almost $2 billion. That's right. That's right. That's incredible. Yeah, so we have a fee-only financial planning firm where we help high net worth, individuals and families, from everything, from saving for retirement, to investing, to tax planning, and everything in between. We want to serve as our personal CFO. And so what we love is a lot of the folks who actually come to the firm are fans of the show.

They're like, hey, I want to know more about money and how to make wise decisions and the things I don't know.

And so they'll get to listen for a while. and they reached that point where they're like, man, okay, I think I've been listening for a long time, man, I really wish I had someone to help me navigate my financial life. And so that's kind of what the business behind it is.

Well, I mean, I always talk about the abundance cycle because, as you guys know, the more success you have, you know, complexity just naturally shows up. Yeah. So I tell everybody, all of our content is try to help you make your life as simple and easy as possible. But we can give it away because when you reach success, more than likely you're going to say, what do I do now? And that's when we're kind of waiting there, open arms, leave the porch light on, and turn you into a client. So why would you say that people should listen to you? Well, I think there's a lot of information out there where folks want to like sell you something, give you some get rich, quit, give you some advice that may not actually be what's best for it. There's a lot of people out there that just want to put stuff out there to get views and eyeballs. And what we think is unique about what we do is we're trying to share information that actually helps people better their financial life. It's not going to be like the super

sexy, exciting, hey, here's how you can get rich in the next 30 days. But it's like, hey, here are

...