Maybe $3 million right now, would you be upset?

Or not.

Do you think many people would be upset?

I hope not.

I would hope not as well.

But one thing that happened is I asked a woman, hey, tell me about your retirement.

She said she's really upset.

She had $3 million.

I said, well, that's interesting because there's a lot of people I know who would love to

have $3 million.

And I just want to learn more about that. She said, you just don't get it. I said, that's correct. Do you mind sharing? And she said, well, I no longer have the ability to travel to the degree I want because my health isn't in a great position. I said, okay. so why don't i'm thinking thinking in my head, why don't you fly first class then?

You have saved well. She goes, yeah, you're missing the point. If I had two million dollars,

I could have done everything I wanted in retirement. And so I'm trying to connect the dots. I'm a

younger advisor at this point, still going, okay, well, she has three million. I know she says two

million's okay. What am I

missing? And she said, I just worked the last five years and markets did well. So my two million

became three million. And I was sitting the entire time and I want to be able to hike and travel.

And I remember her telling me about her big goals and how now she's just not able to do

them and it really struck me as here's someone who saved and invested well arguably too well

who now cannot do all the things she wanted to do even though financially she's in a good

position so what we're talking about today is how do we switch that mindset from being a saver to a spender and how do we

think about maybe the efficient time to do so yeah there's nothing that's i shouldn't say there's

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