So we're going to kick things off with Logan's question.

I've heard the 120-A drill quote unquote for stock and bond ratio in retirement accounts.

Do the money guys show have recommendations?

I'm 25 and feel like I don't need any bonds while growing to critical mass.

What do you think?

So here's in my experience, here's the hard thing that I've heard about the like stock

and bond ratios.

I've heard a few, right?

120 minus your age.

That's how I figured it out.

I've heard 100 minus your age.

That's how you figured it out.

I've heard your age should be your fixed income risk off exposure.

Here's what troubles me.

Logan you're 25 years old.

I have no idea how much money you have.

So I'm going to project 25 year old broke bow onto you, right?

I'm projecting, I don't know what you have going on.

The question that Logan in my mind should not be thinking about is, well, how much bond

exposure should I have and how much stock exposure and how much of my allocation being

how should I be focused on that.

Logan, what I want you focusing on is your savings rate.

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