investing advice you can trust. We want to get into how did you first find out about investing.

It's Brian Preston, the money guy, restoring order to your financial chaos, retirement, investing, taxing.

You've got financial questions, he's got financial answers. It's Brian Preston, the money guy.

I think that's a really interesting idea, Brian, is to think about if you think back in your journey,

because obviously investing in wealth building, dare I say it's sort of second nature to you at this point.

I think it'd be interesting to know when was the first interaction, it was the first time that you

learned about investing. What was that experience like? Yes, the more knowledge you build, the more you

take for granted that you just understand stuff. But I will tell you guys, this is why I think it's

so powerful to share good information is because I screwed it up too. Even though I was working

for a public accounting firm, had an accounting degree in college, my first investment ever was through a

commissioned salesperson. So an advisor who got paid who was sold a product and the way his

compensation was. I don't even know if these products exist anymore, but I bought the John Hancock

special equity in the John Hancock Regional Bank fund. Oh, the B shares sound like,

oh, B shares, even the rest of that. For you guys that don't know, B shares or something that

should make your skin crawl because what they were is competition to no load funds. They'd say,

guess what? You don't have to pay anything on the front end because just like no load funds,

like a Vanguard and other things, we're just going to defer those. The problem is when

they actually make money and then when you sell in the back end, you lose 5%, 6% to the

back end on the deferred sales chart. It's a horrible product. I don't even think they,

you don't see those very often anymore. No, you don't. Okay, so you had this advisor and he

sold you this product. Yeah. You were like, okay, that's the roommate of a co-worker.

I went to one of the other CPAs. It was at the firm that I was at and I said, hey,

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