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Hey, everyone, welcome to the Big Picture Retirement Show.

I'm your host, Devin.

Today, I'm joined by our service advisor, Alexander.

Okay. Alexander. Thanks for having me on.

Well, as always, welcome back.

I'm glad you're here, and we've got a big one today.

This is one that we talk about in the office here quite a bit.

We do.

You know, when you get into the details, those little details matter when you sum them all up at the end of a bit. We do? You know, when you get into the details, those little details matter when you

sum them all up at the end of a plan, right? When you're looking at the cumulative effect of the

small things, it makes a big difference. Right. It kind of adds up like little habits that can

end up making a big difference in your life. It's kind of the same way when it comes to

some of these retirement planning factors that we consider. Little habits. I've had too many snicker bars in my life. You know, I'll tell you, though, Snickers, those are one of my, if someone said, Devin, what is your favorite dessert? I'm not a big cake person, not a big pie person. I do like a good cheesecake when I can find one, right? It's not very often that I actually find someone with a good piece of cheesecake. But I'll tell you, a Snickers bar. But do you know how long it's been since I've had one since I've let myself have one? A long time. And peanut M&Ms. That's the best. What's your favorite? If you're in the grocery store and you're not

being cheap and so you can pick up a piece of candy, what's it going to be? Well, I can't imagine not being cheap, but if I wasn't going to be, man, really, that could have been a lot of things, mood, weather, but I think I'm usually going to reach for a Milky Way because I do like a caramel. Yeah, those are good.

Which is how it's pronounced, by the way, for all our listeners. It's caramel. It's not caramel. No, it's not. Milky Ways are good. Butterfingers are also fantastic. You know, I was at someone's house and they made a homemade ice cream. And I saw a whole bunch of butterfinger bars and they went to just beating them. and they mixed it in that ice cream. And let me tell you

that was good. Well, you can tell I'm hungry. It's towards the end of the day. I haven't had anything

to eat. But good, disgraceous. We started talking about good things and that turned in, oh,

habits. That's what we were talking about. And me, maybe having too many

snicker bars. But when we're looking at portfolios that come in, we often see one glaring

issue that's not even talked about very often. I mean, if you get into the investopedia articles,

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