PODCAST EPISODE 245 – I Bonds, Inherited IRA Rules & surviving the lottery



      • 00:00 – Episode begins Paul, welcomes listeners.
      • 01:30 – Article Breakdown – “My Husband Flipped Over Series I Savings Bonds Rates. Then We Read the Fine Print”
      • 09:25 – Article Breakdown – “IRS Changes Guidelines for Inherited IRAs, Causing Confusion and Pushback”
      • 15:10 – Article Breakdown – “10 times hitting the lottery jackpot ended in disaster: ‘I wish I’d torn that ticket up’”
      • 30:25 – Tips on coming into large sums of capital.
      • 35:14 – Closing thoughts
      • 36:00 – Episode ends, thank you for listening.


My Husband Flipped Over Series I Savings Bonds Rates. Then We Read the Fine Print”

“IRS Changes Guidelines for Inherited IRAs, Causing Confusion and Pushback”

“10 times hitting the lottery jackpot ended in disaster: ‘I wish I’d torn that ticket up’”

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Full Episode Transcription




Hello, and welcome to your business your wealth. My name is Paul Adams. I am the co host of this wonderful internet show, and podcasts and clips that you can find online. And I have as my co host, as always, a man named Corey Shepard a man who both dresses well, and speaks even better. I’m so glad


not only an internet show, we got to remind people we have several episodes in flipbook format that they can buy at their local Walden books. So that’s,


of course, I totally forgot about that. Well, sound financial family, we are glad to have you here today, we haven’t done some of our article reviews. And this time, we’re getting a chance to kind of meld some article reviews, with the idea of talking about just some topics that are top of mind for a lot of people in in planning, we’re going to talk about I bonds. Today, we’re going to talk about the new inherited IRA rules that just got released some new information from the IRS this year. And last but not least, and the thing that I think people are going to enjoy the most, is we’re going to talk about the 10 worst cratering of people’s financial lives after winning the lottery. So with that, Corey, anything else you want to say to everybody before we jump into our AI bonds?


No, Paul, let’s jump jump right into this first one, which is titled My husband flipped over series i Savings Bonds rates, then we read the fine print this, you know, this lady think it’s a stock photo based on the cap in the corner, but I just wish it was her. I imagine her being really excited about AI bots.


Indeed. Yeah. So maybe, yeah, I was just gonna say that, like maybe give people a background on what an AI bot is first.


So, AI bond is a bond from the US government, that and the key selling point that folks are after is that it’s indexed to inflation. So when inflation goes up, the rate of return of this bond goes up. So the promise is, your money is not going to get eroded by inflation, if you put it in, in here. Now, right now, it’s kind of funny how I bonds haven’t been showing up and news articles for a while. But now all of a sudden, inflation is high. And article early on, says, Did everyone see the rate for AI bonds went up to a record 9.62% yesterday? So it’s like, wow, like you, you read that? And you think 9.69 and a half percent a year?


Yeah. I only get half a percent at the bank on my savings account.


This is Yeah. And this is guaranteed by the US government. That sounds amazing. Of course. Paul, I’m saying I’m realizing in my head, even as I read this, and I know how it’s gonna go. The first thing I think is like projecting 9.6% out for like 10 or 20 years, and what that would would do that. Yeah.


Yep. Immediately, like, Oh, that’s so much better, I could get that I don’t have taken the stock market risk fully backed by the US government. But would you believe that there’s a government program and it has some catches?


some fine print?


Which I think we can summarize in this section of what they don’t tell you about I bonds?


Here, here’s the so Can I skip to the big one at the end? Then we’ll come back like yes, the thing that really does it for me, if you’re thinking about whether this is something for you know that the maximum amount you can put any chairs $10,000 Anyway, doesn’t matter who you are, how much money you have, what proportion of your assets would need to be in this to make a difference? 10 grand a year, so many of our clients, many of the folks listening to this podcast, you just can’t get enough in fast enough to make any meaningful difference in your allocation anyway. So that’s just


maybe, and maybe distracting you from doing this, you could do that would be meaningful?


Well, because item four, they’re pretty difficult to buy with an outdated website and some complicated rules. Yeah, so just think about the dollars per hour rate of return of how long it might take you to get into these. It only $10,000 of leverage, it may not just may not be profitable, to put in place as a strategy. It may


not even be profitable if it stayed at 9% But reality attracts inflation. So if inflation was 9%, they’re paying 9% for a while they’re going to start paying what inflation is, and everything the federal government is doing a 10 seem to be doing and certainly everything they’re saying they’re trying to do is stave off inflation, which is important for any economy. So we’re almost making a bet of bad monetary policy for the eye bonds to work out.


And by the way, is it what measure of inflation is it CPI that they’re using to track this? I forget. Yeah. So consumer price index. Now, Paul, can I can I put on my black hat, like helicopter conspiracy theory for a moment, I love it. Love it. So if you wanted to go down a deep rabbit hole of conspiracy, you could say, okay, the US government creates this consumer price index CPI, that’s a market basket of certain goods that they use to measure inflation. It’s not everything we could possibly buy. It’s not all the expenses in our life. But that CPI number, whatever it says, impacts how much they have to raise social security, how much they have to raise in military pensions and military salaries, how much they have to pay. In this I bond,


every retired government employees pension is indexed to this and some of their wages while working, it’s a big number, that the federal government has a huge incentive keeping CPI low. And selecting a basket of goods that keeps it lower than we might experience.


And so just just that set of incentives, means well, one of two things is going to happen. Either one, the government, the federal reserve, they’re going to pull all the stops, that he can to lower the measure of inflation that they use to not have to pay as much out in this, or let’s say, they can’t, and we’re all paying nine getting 9% a year on these bonds, and everybody in the country starts buying them, tax is gonna have to go up somewhere for to pay for


something to do with that $10,000 Each person limit,


right, right, that’s the government maximizing the impact that that would make. But so But speaking of interest rates changing, this is kind of fun, how we’re going back up the list in reverse, it’s creating this good narrative. So interest rates change every six months. And you’re you get whatever rate that next period, and you can’t take the money out. Sorry, you can’t take the money out for the first year. So you’re, you’re going in knowing you got at least one six months change that you can’t do anything about if you don’t like it. And if you pull them out before five year mark, you lose the last three months of interest anyway. So you’re either you’re either losing not much interest, because it wasn’t a great rate of return, and you’re taking it out, in which case you lose, or you’re losing like you need to take it out and you’re losing three months of really good interest, in which case you’re below the the random return. So


that’s point two, anytime before five years, you lose three months worth of interest. And then you hit the one year it’s locked up. And so you can buy 10,000 For you 10,000 For your spouse, 10,000. And effectively a UTM a type structure for all the kids. Each one though, needs its own separate website login, the purchases need to happen separately. And as she mentioned in the article, and you guys can read this article on your own always linked in the show notes. But it’s just a lot of work. So if you got to a situation where like many of our clients have $300,000 year of income and you want to replace that by age 65. Well, that’s seven and a half million dollars. Well, even if you have 15 years till retirement and you max this out every year, it’s just about enough money to probably be a pain to take out as opposed to being a significant contributor to any financial strategy you would have. So anything else you throw out there on this one core?


That’s a it’s a fun one that you know, anytime folks are all of a sudden really excited. I like to just take a deep breath and look around.


Yeah, yep. Yeah. Well said so let’s jump on to this article. Yes, that they took a very nice picture of the woman who is the subject of the article, and I think they’re gonna reuse it later. As an advertisement for ring doorbell because she’s looks like she’s as much featured by her front door as she is featuring the ring doorbell.


I’m covetous of that front door. That’s it. I’ve really liked that door a lot.


Do you know how easy it would be to move a couch into that house?


Oh my gosh.


So speaking Which so here’s what change on IRAs, we used to have a rule with IRAs, where what you could do is, if you inherited an IRA, you could do something called the stretch IRA, which meant that you took out little tiny payments over your lifetime letting you continue to defer out across your lifetime, if you inherited an IRA, all these required very small distributions, but a lot of the money could continue to grow tax deferred. Now, that rule changed a few years ago to say that it can just be a 10 year payout. Now, they changed that rule. But there has to be out in Texas, yes. And the first set of rules that came down from the IRS kind of explaining that, and this was kind of amidst COVID, etc. So there was some miscommunications going on, was basically it just needs to be taken out by the end of 10 years. Now, the new guidance that was released from the IRS this year, says that if you have required minimum distributions being taken, so that starts at age 72. It was 70 and a half a couple years ago, but it recently moved age 72 and 2020. And it was part of the COVID Cares Act legislation. That new, that new rule said, It all needs to be out by 10 years, the new one that came out said if the required minimum distributions were starting to be taken before you inherited it, you now have to take required distributions annually across the 10 years. So that you can’t just take it all out at the end of 10 years, you actually have to spread it across those 10 years. And Cory share maybe a little bit about that easy rubric you came up with it would allow you to meet all the conditions.


Well, and why this is important is if like the the more compressed the amount of time is that you have to empty that account, the more likely that you’re filling up the tax bracket that you’re in and spilling over into the next one and paying a higher percentage of tax on some of that money and more and more of that money. So here’s the even the article says, It’s so complicated, well, it’s not really more complicated than it was before. There’s just like, the person who hits 72, and starts taking money out, they had to look at what their life expectancy is on the IRS table, which is the same for everyone. If you don’t have to, it’s not individually underwritten, it’s not different for men and women, it’s just one table based on your age. And you basically divide by that that number to see how much you have to take out. Now, if the spigots already on when the person dies, I mean, they’re already forced to take that out, then the person who inherits it has to do that with their own age. And so yes, each year, it’s a different number, it’s a change in calculation, you have to think about the balance was at the end of the final year, but or the previous year. But here, if you really don’t want to take it all out the first year, which most people shouldn’t, because that would really trigger a higher a higher tax, just, you know, it’s a 10 year period that they’re gonna have to do this. I don’t know, probably divide by eight, and take out that much each year. And you’re going to be more than that minimum. And you’ll be fine. We could double check that math, your account and all that. But it doesn’t have to be that complicated. If you know if it could be more perfect, you could ride the line. But again, like we talked about in the last segment, the dollars per hour rate of return of your efforts, is a calculation that you can do it yeah, you might pay a little bit more tax. But if you’re just done and over with it and on with your life that can be worth it to. Yeah,


well. And the thing I think that’s most damaging about this regulation and these new set of rules, is now if you have a parent that dies and say they’re in their late 70s, early 80s, you’re probably still in your working years. And so now you have to take these distributions on top of your income. And if you’re in your 50s and 60s, hopefully you’re you’re at their highest you’re going to earn income at and so it’s really creating a pretty big obligation compared to just get it out in 10 years because if you say inherited at 57, you’re gonna retire 64 Well, then you could defer out all the distributions until you knew you were no longer taking your regular earned income. Right? So, so this one not as complicated as they’re making it out to be. There’s some good rules to read in here. And if you recently inherited an IRA, this is probably a good article to send your CPA to send to your financial adviser and be able to say, Can you help me look at these new rules and make sure we’re taking our distributions the right way. And as always,


if you have a if you have a question on your own, you don’t have an advisor that you’re working with info at SN g way.com. Send us a question. We may have to chat a little bit more, you know, we can connect you some help to figure to figure that out.


Absolutely. Absolutely. Well, good now, our last now the one that I am most excited about.


Paul, I’ll let you introduce this,


man, this is gonna be good. We are I want you guys to be prepared if you’re easily triggered. And I’m not joking. Let’s say you really you’d like me. So both of you that are podcast listeners that like they, but we’re going to be I’m going to quarry probably won’t, I will be making direct fun at the misfortune and misguided acts of others. I’m going to be laughing terribly hard at these poor individuals whose lives are now ruined by an injection of capital and quarry. want to call it just for


him? Twice. And anyway. So let’s Yeah,


10 times hitting a lottery jackpot ended in disaster. And one of the winners quoted I wish I had torn that ticket up now. Why? While we will be laughing at people in this, here’s the thing I do want to point out is that


you will be laughing anyway sorry.


But it’s this idea that we all feel like money would solve our problems. More income, greater net worth higher rate of return these things would solve whatever problems we have on us right now. And it doesn’t. It amplifies good situations in bad situations and sometimes could turn good situations into horrible ones. That that’s the reason why I think most importantly, that for the most part, people need to go through and accumulate wealth over time. Because one of the things you’re doing is preparing for handling larger amounts of wealth as you create and build up your investments. That well it feels like the money dropping on you immediately. And then I think for fun at the end Cory and I are gonna say if you happen to come into large amount of money, whether due to inheritance, some other kind of windfall and or a lottery winning, what are the actions you might want to first take with it? Okay, so first, the first guy was Andrew Jack Whittaker became an instant celebrity after winning a record $315 million Powerball jackpot Christmas 92,002 And then flew off in a private jet with his family specifically to appear on New York City morning television the morning after hitting the jackpot. So I’m going to offer my first piece of advice with this one is that if you happen to be the person to say won the $1.2 billion Powerball jackpots, whose drawing was a couple of weeks back from the time this is going to air. And the first and probably most important thing you could do is don’t tell anybody.


Yeah, no, that’s not an option in every state. And that’s why I’m so glad to live in Illinois. If I buy any lottery tickets from here on out only in Illinois, not in California when I go visiting family because I don’t want to win in California and be forced to tell. I would literally rather not win than be forced to tell the world that I just won the lottery.


I wouldn’t. I wouldn’t go quite as far as Cory. I would take the money and be willing to tell people if that was a mess, but I’m willing to try my hand at it. Whitaker’s life quickly took a tumultuous turns he began struggling with drinking and gambling. His wife left him several family members tragically died. And he was twice charged with driving under the influence and also with the assault of three female casino employees.


Now, check this out. He just won 315 million gambling, buddy but he decided he needed to gamble more like that wasn’t he didn’t just like I would almost decide that I have never gone to a casino again. I have used up all my


good luck with all the luck got used on this one. I think that’s a good point core. But he ended up he was believed to be broke in the years leading up to his death in 2020. And that’s a picture of him. Okay, that’s one but I do like this line. I wish I had torn up that ticket a sobbing Whitaker told reporters after the death of his daughter now that again that’s tragic that part of my gonna laugh about that hits be dead center having kids but the the idea being is that sometimes in a situation like that you find out how important the other things in your life are, especially if you lose them as a result of this huge influx of money. David Lee Edwards our next one a convicted felon from Kentucky when $27 million as some share of a $280 million jackpot and started spreading spending spree that included a mansion, dozens of luxury cars and a private jet with a personal pilot. Five years later, the money was gone. And he was living with his wife in a storage unit contaminated with human feces. His wife ended up leaving him and he died penniless and hospice care in 2013. So think about that for a moment from 2001 relatively young guy and died by 2013. Another way other


immoral is always choose the the the yearly payout option. Here’s why because if you take the one lump sum, you’re just going to your brains not going to know what to do with it he burned through it and five years Think about if he took the annual payout option to is usually for 20 or 30 years. Five years go by he’s ruined five years the payout but he’s learned his lesson. Maybe we you least have a chance to screw up a couple of years and get your ish together and then actually make a difference with the rest of the rest of them. One of the stories


later on quarry is a guy who did that still ruined his life. That’s ran out of money.


And nothing’s guaranteed. Things better chance. Yeah.


Mike so Michael Todd Hill won 10 million and ultimate millions scratch off ticket in 2007. In 2020 13 years later, he was charged with murder and told the court he was indigent and unable to pay for a lawyer. So there’s that’s $10 million dollars gone in 13 years. Right Rouge con Oh, just successful small business in Chicago when he hit a million dollar scratch was one month later he was dead from cyanide poisoning. The case was investigated as a homicide but no one has ever charged and his winnings were split between his widow and daughter mean he he never even saw it.


You never even saw it.


Hmm. It goes back to don’t tell anybody.


Right and he was in Illinois. So I don’t know. He wasn’t thinking yes, right.


Exactly. A Florida man Abraham Shakespeare was illiterate and regularly unemployed when you when $17 million jackpot in 2006. By 2009. He had squandered most of his money and was convinced by her friend to wire her $1.3 million ownership and stake to his home. The same friend


other tips for


I gotta give you this last week, that same friend Doris Moore shot and killed Shakespeare in his own backyard shortly after, and was convicted of murder in 2012, earning her a sense of life in prison.


So if you’re if you’re listening to this, and he just won the lottery, that’s maybe the Illinois lottery winner is listening to our podcasts or it comes up on their Facebook because I’m also in Illinois, I don’t know. Step one. Like once you sign the ticket, that ticket is signed, you can’t change that. So you may want your first call. I mean, if it’s not to us, be to your estate planning attorney, that you can find a think about how you would create a trust and sign the ownership the ticket and the name of the trust. So it goes into there and he gives you some more protection from all these other people. Yeah, so just tips for if you are in this position,


absolutely. Back Metcalf and his estranged wife shared a $34 million jackpot now number one. This is why maybe I’m not a fan of divorce everybody. But maybe before playing the lottery, you should clean up. Like you’ve been separated for 15 years and never got around to doing the paperwork might be a good idea to finish the paperwork before you win the lottery. And quickly got to work spending the fourth shot drugs a mansion and exotic pets. I don’t know what kind of exotic pets but I’m picturing tigers


and lions or an emu?


No, that’s not an exotic animal like a pie. That’s a tiger.


You know, that’s Barenaked Ladies if I had a million dollars, which they’re basically thinking about, Oh, yeah. Maybe a llama or an emu?


Yeah. Three years later, the couple were dead after Metcalf died from complications of alcoholism and Meredith from a suspected drug overdose. And then our next one Jenny to Lea South Korean immigrant working at an Illinois wig shop boy there’s a bunch of Illinois people in here. Yeah, $18 million jackpot, but quickly ran dry up to donate large sums of money to educational, political and social causes. So that might be another lesson. Don’t give away a bunch of money until you know you have enough money to just care for your family’s concern. aren’t yours immediate family?


We have to do all 10 We get to a point like,


no, no, we’re almost there. We’re well on our way. Eight years later, she filed for bankruptcy and had $700 in our bank account while facing two and a half million dollars of debt.


And this is a repeating theme people getting in more debt than what they won. Yes, some cases. Yeah,


yes. Alex and Rhoda Toth had $24 to their name, where they cashed you know, a $30 million Florida lottery jackpot. The couple took their money and payments in the ominous amount of $666,666.


Well, no, it’s eight. You don’t take that number. Come on, guys.


So they went through a bunch of family squabbles were convicted by the IRS, which led to a bankruptcy because they filed false tax returns. Sometimes I wish we could give it back. And he was facing federal charges died at the age of 60. Couple more we’re almost there guys. Evelyn Adams. Got a $2 million prize in New Jersey in the mid 80s. a multimillion dollar 5.4 million


you relation. Any relation Nope. Nope. Don’t


have any kin in New Jersey. As you can tell kin means all my relatives are from like Missouri, Oklahoma, Wyoming, Nebraska into by 2012. She’s been all our weddings and living in a trailer. Now you just think about what the market returns have been from the late 80s all the way up through if you just had a diversified portfolio she never would have wanted for money. And then William Byrd was broke in 1988 when he won $60 million and started a spending spree that So tip number four, no spending sprees. Like you should sit on this money for like a year and only take income to just let it settle in. One year later, he was broke again, and $1 million in debt like this guy got.


That’s just hard to find enough time in the day to figure out where to throw the money with that much money. It was $16 million. I like playing


Brewster’s millions, millions. Yeah. Like these people were competing with Richard Pryor, Brewster’s millions, right?


That’s great. Maybe friends, Paul, I’m proud of you.


So this is the last one this this post. But this guy was living off disability payments, we died in 2006 at the age of 66, leaving behind his seventh wife and nine children. Americans have a one in 302 million chance of winning the billion dollar Mega Millions prize, but should be cautious of the fact that nearly 70% of jackpot winners burned through their winnings within seven years. That who that is like, yes, we’ve talked about some specific instances, but money is dangerous. And it should be treated with the same level of care that you would like safe handling a firearm. And there are certain things that we could learn like, if nothing else, what somebody should do is read every one of these stories on the Internet for like a month, after inheriting a significant amount of money you didn’t expect or being in a position where you won the lottery. Or for that matter if you’re working for some small company. And now suddenly, all your stock options are worth a million dollars, you should approach it just like anybody else who found a windfall knowing that there’s some likelihood that you could be one of these tragic stories. And the only way to avoid that is to learn from the people who have done it before it had a go wrong.


You know, Paul, I don’t know if I have ever told you this like three or four times a year, every few months, I buy a scratch ticket. And but you know, like a million dollar maximum Prize winner, which has a smaller pal but better odds, I guess of winning than the Mega Millions here. But what I do is I just carried around in my pocket for a couple of days or leave it in my closet. And I just kind of every throughout the couple of days, just think about like, Okay, if I if this is the winning ticket, that million dollar prize, what would I do differently in my life? How would I handle that that plan? What would I go after? But then I always get to a spot where I realize, oh, there’s lots of ways I can be moving towards those things right now without winning the lottery. And so that’s like, I play this game that starts with a little Daydream but then always comes back to oh, here are the things I want most and here’s how I can actually get a little bit closer. Yes. So it’s a fun way to be feel like playing around with a lottery, like my math teacher used to call in high school used to call lotteries attacks on people who aren’t good at math. Which it which it really, really is. But they’re you know, there are some ways that you could use it to your advantage and coming up with your own plans in life. But you don’t even have to buy a lottery ticket to do that. You could just pretend that you would just bought a lottery tickets, right? And if I want $9, tomorrow, what would I do?


Well, and I think the the other fun conversation my wife and I have is, really, if if you had this, you know, what would feel like a limitless amount of money 1.2 billion for that prize? What would we really change in our life? Like, what is the thing we’re lacking right now that if we hit that big, it’d be like, Oh, that’s the thing that I really need. And that comes from that practicing and cultivating contentment. You know, in our last episode, we talked about your satisfaction and lives as your halves divided by your wants. And we just got to realize, like, this morning, we’re talking about on the way back from the gym, knowing that we probably talked about this article. And you know, my wife and I came up with a list of things you might do. One is getting an actual bus for our RV. And that’s several $100,000 expense, and some additional kind of crazy remodel stuff we would do on the house, that would just be a total luxury to do these remodels. That’s it. That was the only two things we come up with, that are outside the scope. Oh, and a tractor. I want like one of the bucket and a backhoe. That’s, that’s mine.


And here, International Harvester. One thing I think I could do,


I could I could do Kubota. I could get by with. But but that’s it and and that that’s kind of a fun conversation to have with your family, like what are the things that we really don’t have right now that we would really want that would enhance our life, and wouldn’t be another thing to maintain. You know, like, I think about getting a yacht would be like, Oh, I’d have to pay people to maintain it, I have to feel it, I have to insure it, I have to, I have to go visit it. And life’s just a lot easier without some of those complications. And that makes a lot happier life and sometimes sitting down with this idea of having an unlimited budget ahead of time when you don’t have it yet, like what really enhance my life is a great exercise to be in. So some quick tips. If you do win the lottery one, call us immediately. Second. But in all seriousness, you you would want to retain an attorney almost immediately if you win more than a million dollar prize. Second, don’t tell anybody, even if disclosures are going to require it in your state and some people will pursue you, the average everyday person, your life right now doesn’t need to know. Third, would be to whatever the cash amount of the prizes, if you take the cash, just already set yourself up have it’s not a lump sum to you. It is an amount of cash flow by the 4% rule, your after tax amount of money. So if you won $400 million after tax, which is approximately what you’d end up with, after the $1.2 million prize, taking a cash and then paying taxes on it, you had 400 million, it’s like, okay, at a $16 million, your budget. And I’m only going to spend that 4% of whatever my principal is each year, because that’s likely to last just like we would for retirement planning calculation. And then maybe after you’ve let it settle in for a year, change something else. But let that sit on you. Because one of the biggest things you have to do is you have to catch up with your own personal development and what it means to have that much money, you’re going to need mentors, and you’re going to need advisors, you’re going to need a better CPA, you’re going to need a better estate planning attorney, a better financial advisor to help you get through all of the challenges that are inevitably going to come with this responsibility and stewardship of this much additional wealth. And the bigger it is as if you’re worth 20 million and you happen to win a $10 million prize, you’re probably going to be okay. The trouble is when we’re worth half a million and when you know $5 million, that things can go sideways, so good. Well, I’d


also say just take, you know, take 50 grand and blow it on something as fast as possible. Because no because get Yes, just just get out of debt. You know, it’s gonna it’s like the Tim Ferriss cheat day. You know, when you’re doing a car meeting, it’s like, you know, you’re gonna have that urge. So just go blow 50 grand right away, and then you’re kind of being morose about that and kind of wishing you had it will just save you millions of dollars later. I would say you’ll have a Tesla. That’s great. Spend $50,000


on somebody else to find out how great Hold they are by modification so that you realize you shouldn’t do that for anybody else.


Right? So 100 grand 100 grand 50 grand a new 50 grand


well good guys upgraded that to sound fun each family could join us here today. We love y’all. We love you being able to listen, don’t forget, if you like subscribe, that actually makes a difference it has a better chance of somebody else seeing this video. As always, videos give us good honest review on the podcast platforms send a screenshot of it to info at SF TWA. We will get back to you and make sure you get one or both of our most recent books. And with that, Corey, would you like to say to them that you wish this has been a contribution to them, designing and building a good life.


I mean, I would you already


with that. We love y’all, we’ll see you next week.


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