We're back to the standard episodes this week.

So I had two guests on both Lindia and Cole. We went over awesome healthcare stuff. Hopefully you guys like those. Back to my standard episodes where it's just me talking and hopefully you guys are not falling asleep to understand what you need to know so you can retire early with total confidence. I try to make it as fun as I can. I want to make sure that you guys are listening going, yep, that's super helpful.

But at the same time, I'm not giving you information that does not apply to you. So today is an interesting episode, I think it's a fun one, because I don't want you guys to be worrying about a lot of stuff that does not apply to you. And your coworker may have brought it up or your neighbor. and I just want you to give essentially I'm giving you the job that I give my clients,

which is for you to give essentially I'm giving you the job that I

give my clients which is for you to tell that coworker or that friend wow that sounds really cool

but it doesn't apply to me and that's what I'll tell my clients because a lot of them are really

intelligent smart people that are in these positions where they're constantly being told different

ideas about their finances and they're like hey I don't don't know who to listen to, who not to listen to. So I tell them part of my job is to tell you stuff not to worry about. And then there's going to be things that those coworkers or friends or neighbors never bring up. And I'm going to tell you, I need you to strap in and listen to this piece. So today it's going to be fun. I'm going to talk

about the rule of 55, the 72T distribution, all these fancy techniques that can be really

helpful and situations when I tell clients never to use them or never even consider using them.

And these are things that I hope if at all today you go, wow does not apply to me I've thought about it a few

times I'm glad I'm going to put that in my head trash corner which a lot of you guys know that

term there's a lot of head trash that you have should I be doing that if markets take a downturn

can I still retire early and how soon before I retire should I shift my portfolio and how do I

not get killed by taxes all big concepts that I talk about. But a really big one is, wow, there's some different things I hear about when I should tap into funds and how do I know what should be in my 401k versus you talk about some brokerage account. You call it a superhero. I don't even know what you mean by that. How do we dive into all that? So today, I want to simplify more than anything. There's a lot of the early retirement fluff out there, in my opinion.

So here's my idea. So we're going to go through this every week. I'll take a comment from

YouTube or a review left on the podcast, and I'll highlight that. And then what I'm going to now

introduce, and that's because

of this comment here, is a new segment where I'm not only going to highlight a recent review.

That was very kind, but I'm going to either bring up a comment that wasn't so kind and respond

to that, or I'm going to just highlight a funny comment that I saw each week. And here's why.

So this first comment comes from

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