Hi folks, Jack Spirco here.

Today you are listening to an episode of TSP Rewind.

Commercial-free versions of past episodes.

Podcasts blasts from the pasts.

I put these up when I can't do a show due to professional commitments or rare vacations.

These podcasts will appear in standard iTunes, Stitcher, and other feeds, but will be titled

TSP Rewind episodes and numbered accordingly.

And today we are rewinding back to September 21st, 2021.

And as you're listening to this, if you're listening to it, when it was dropped as a rewind,

we are cruised and right along into 2025. And that is kind of how I've angled the series of rewinds that you

guys have while I am away for my holiday shutdown. All things to help you get off to a great start

as we head into that new year, even if you have already followed our advice to get started

early, not wait for the New Year's resolution. If you're going to do a New Year's resolution,

let's go all in. Let's not just do, save a little more money, get a better job, get a raise, right?

Or let's lose some weight or get healthier. Let's go all in and improve our overall life.

Now, one great way to do that is to do a good job with money.

There's a lot of things I agree with it, Dave Ramsey says, and a lot of things that I don't.

But one of the things that I have always agreed with that Dave has said

is people that win with money overall generally win in life now there's always

exceptions that's why the generally is in there but you will find that most people

who have their shit together they have their shit together monetarily physically

health-wise life organization all of it because money is the one that requires, I would say, the second most discipline.

...