383: Net Worth Of $1.8M - Mining for Millions
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Yeah words of advice. I should be intentional, uh, with your money so you know it's located make mistakes, but but the best thing to do is is be intentional so the whole like you will only live one stand of thing is this will lead you to the risk of ruin and not in a good place and so I say, yeah, just to be intentional.

And in one thing that i've done that I I sometimes sell people and they are 嗯 for advice or ask me know， is this a good money decision or not? I say to think about your life in the finances as if they were a business like you're the CEO of the life. And you know, asked yourself, would this be a big decision? Like if you are going to make this as an investment or business reason for business, business that will kind of tell you whether or not you're not a good of this in with your money.

Welcome millionaire and future millionaire. You're listening to the millionaire unveiled podcast, the show. We're still here. The stories and interviews of everyday millionaire will unveiled their decisions, their strategy and their portfolio allocation, not your host, jay matteson.

Welcome back to another reasons about podcast. This is episode with three, internet three.

This is the podcast that takes you behind the scenes with self made millionaire to reveal the real stories, hard lessons and surprising truth about building. Well, we are your house. J, in J, C, and each week we dive into the journey of individuals who have achieved financial independence.

Whether you are looking for inspiration, actionable advice or just a glimpse into the mindset of those who have made IT, you're in the right place. Get ready to learn how they did IT and how you can to our conversations are always candid and only edited to stay. Family, family, let's get started.

Hope everybody had a great veterans day out there, and thank you to all that are serving and have served our country. We'd definitely appreciated. We just wrapped up a little meat up an author taxes this weekend with some of our guests listeners.

Exeter is great. One don't know if you missed IT. We probably will be doing another one next year sometime. So we stay tuned for that. Also, as always, if you would like to be on the show, then as an email miners failed at gmail, that come we are still looking for, are four hundred millionaire more? Also, if if you know anybody or have connections, if somebody was worth that, if that you listening right now would love to have in the show, said A C email is always millions and veiled at gmail that come to day, be really episode.

We have zack is going network of one point eight million dollars, and he is in the mining industry, which is the first person at massive industry in our country and around the world, but the first person we've had from that industry. So gonna a great episode, him talking quite a bit about his career, career path in addition to his investments. And he does have some of the things that he has been around the minds. His portal, li, although he doesn't put a value on them, but there is some value, smaller rocks and all the things that he has. And yeah, I think further delay let's get right episode zack.

Zack, you want to just give us with what you're background and what about .

you know so yeah I am that lasting. I live in arizona. Um I work in the mining industry and thirty three 以后 two and a half is so two and one on the way pretty soon yeah with me。

congrats. Once the new little one common .

beginning in november to all .

nice can go, it's exciting. So I can't wait to talk to you about the mining industry because you can be the first person on, and I feel like that is, is in this industry. But before we get into that in your career path and career directory, what's your network today?

It's a little bit over one point eight million.

nice.

And how's I broken up? So it's a little bit heavy into the had a long term tax advantaged accounts, but it's um about nine sixty nine seventy and uh for one case between traditional and ross for one k about two hundred five when I rays are an in raw story in a ross about one hundred and fifty ty thousand and taxi broke age. Mostly Price index funds and possible funds, small of money 那个 什么 ten day left on a warm note， like a personal loan through a final agency basically have to do like more than little different from those. Can these property where I get paid about eight percent interest on about sixteen thousand in an each day, about seventy seven thousand just sort of in in past a yield business account um to get all home about what about three thirty right now? And I just the other with playing this stuff you know that, you know you will go dumb for we are things like that as a minor.

You haven't like stone and need the thing in the jews, the chief mind.

Yeah I actually do. I mean, that doesn't necessarily make up any part of my net worth that I consider, but um yeah I mean I working mining obviously and so I get to travel around the country and to go a lot of minds have a lot different, and one that one of the minds I work on, so involved in mine explanation and mine closer. And the minds is an old, I turcos zed minds.

I've going fair, a bit of percolate, kind of well known within the, I guess, you lar region hua industry people either may have heard of fleeting beauty. Take away that not. I have a bit to work about mine. nice. That's all. Let me do.

Yeah yeah. So let let's break down in a little bit. You've got quite a bit in tax advantage account. When did you start putting money away?

Those yes, I started um I was really lucky to have a father that um really set me out on the right path and terms of finances. And so from the pretty early ods in the first time actually we had a job where I I got he sort of um and actually got a double to and and how to bate tax and I got set out. So i've been considering to ross. And so I was about eight fourteen um and then as soon 在家 开 了 four time， I don't job, I guess out of school, I immediately since I got that jobs and see sort of them but from check which at that time they allowed me to considered about thirty percent of my pay check sort of regardless of what the try to do in max mum was getting that the perl that so so I based about thirty percent of my paycheck into the four when still working and then I think back at all but I sort of why i'm probably a little that fire into the divantages out lost audio there.

How old are you? I miss that. sorry. How old are you put that first investment in there?

yes. So probably about fourteen. That's when I got wow really my first w two job 之类， 因为我 这边 cook in red loves。

So when I like fourteen, but and I worked previously visited ly to that that the first step where I got. No, so I know that uh, a last account for and our'n ve been contributing some to that and then contributing them to that. Able to.

So red loves their media millionaire down.

Yeah, when I started that job, I think I made like six dollars and fifteen cents an hour. And I remember now I didn't work really hard out. I I go up you early and slate and do anything.

The manager to one point and was really excited that we're going to give you a big rain. This is a, you know, you done such a good job and I take, I got lays like the and ours. So I would say that about for, made me a millionaire. That was my sort of first, first real job.

Good for you. So you start to put money in there. Have you always essentially maxed IT out or put as much as you can from when you were fourteen?

Um I probably not. So I mean, through my sort of tea years I did come through you, but not probably anywhere near the man. 对。 嗯， about the time I found I got in the college, um I did to be more I don't know why I necessarily maxed IT out, but I probably did whenever I was able to but certainly since getting out of village that I i've definitely considered the amount at that point. So and that doesn't de so between my wife and eyes, her her old account with that opened for her and did a roll over into graphical quality for eleven years of job.

nice. So as you started kind of putting money into there did, what point did you start seeing that really start to snowball for you?

That's a good place. And IT, actually, I took a while, and I remember through a lot of years, and we do anyone probably, I think, like that only twenty, doing kind of this red about doing that and that, you know, h my dad tell me, know, keep doing that to consider, don't look at IT, don't worry you about IT to consider no matter what.

And he said that, you know, at some point you're gonna of look at IT down the line, and that will really surprise you. How much is grown. And you know, that was too, but I remember there is a three time there lived here. I just.

To see my this know of them, you know the like twenty thousand dollars for a long time. And then yet alone, we hold market tunes in market ago and I did luckily came to contribute to that. And you know looking how about specific my raw know about one hundred and fifty thousand. Did you ever not contribute or stop contributing .

your slowing, slow the contributions at all.

not to my ross. So once I you know how a full time job and was was nothing, you know enough money, other expenses and have and nothing at this one. I've always contributed the maximum to the raw um and i've also contributed to the maxim to my four went for most of my working career up until this maybe the last years though because you know I got a lot of money in of that requirement has and I about I gently to break that mind account and allow of my my finances into kind of free buckets out of A A sort of use right now sort of the saving account high yelled sodium account checking count mids your money which is sort of my tax will broken age and then the long term money for right now stand to reduce a little bit of what i'm contributing to my four, one, three, but I still to be about. And now I ve been for you, sort of my quite used to my program account and that's the sort of you because I have some goals, you know, potentially that up road maybe at some point, but a big house that would be noted, sort of like a long term, made a dream home with a little bit more land than what we were live in right now.

So let's talk about that a little bit. You you've made the shift in decreasing contributions for N K. You still maxing out the routh and putting more toward you brokers for this potential dream home.

When did you kind of a make that switch in that transition? And i'd love to hear a little bit more just kind of around the psychology of of doing that. Why keep contribute to one hundred percent of the roof but less the four one? K I mean, you think you're going to make more money down the road, you know, in the future that that makes sense or whatever me talk me through the psychology .

of of kind of wear, you're out on that. yeah. And you know IT is something that i've thought a lot about trying to at least build up a plan and everything. So to a certain instance, have a goal of forty five years old. So about seven years from now, six and half years from now, being in a physical to be able to rely android, sort of working my full time job and fancy in that who either fun job or scale backwater. And I plan to have been playing with investment calculators and to find, understand. And what will those had to advantage account do, if I will do my since duced to them and increase my contraction to my Brown t and we're out of using, you know, somewhere on that five to seven year, five to eight year window of increasing that program so that, you know, we have them opportunity. And if something comes up, if we find, you know, the right home or the right look, we might want to live, that we be able to the first of that, you know, either with very little dead or potentially, you know, my house and and if you right.

and you said you wanted to potentially slow down work in the next five or six years.

yeah yeah. So lately.

what what plan in terms of your network you think you need to get to.

to do that? Yes, that's a good thing. generally. I was out of what I argee is around uh three million dollars or more of invested asset. So outside of a primary residence that I would have um and just started using some of the standard, I guess, invocation rules that are out there like the four percent.

So you know hundred and twenty thousand dollars a year would actually like trying to think about IT now like definite more money within had been only right now. So I don't know how we would spend that much money, but that's kind of that's the target and that's kind of where i've been um looking at sort of the financial calculators and investment calculators and kind of targeting that are about forty five years old. And then at that point, maybe having a job, but not necessary because I need to make some money, is just more you and busy.

I do enjoy what I do. I just would like to do IT less and do the more of the other things that I also enjoy. But I feel like that, that would give us twenty of this time and buffer um you know that sort of again, all of the unknowns out there in terms of you know market conditions and services and who is in what could come in life is part cutting food and no insurance and all those other things in my power often give us twenty of my first that kill pretty comfortable lz, at three million dollars or above mark and put at home and you .

have a paid off home right now. correct? T, K.

talk us through that.

What did you purchase? IT? And i'm guessing you aggressively paid IT down and maybe you paid for IT and cash walk .

us through you know no more mortgage yeah so we uh we did not pay for and cars we aggressively paid IT off paid mortgage um can remember when we asked the curtis the home I want to say I was like when he eighteen twenty thousand is when we surmised the home we have a fairly modest more to dona around and thousand we more or less made double payment each months.

So you know made sort of a standard IT was an extra is basically double that amount and how the rest of that go to principle month? Um and then I would actually give that fairly sizable song of my annual bonus each year and put IT towards the mortgage. And you know I just I have always been pretty conservative in that day.

I've been very dead of us. I don't know any. Didn't loans going to school? I've never had to credit hard. I have to have no credit. Or when I went to get alone to buy an hse, I have to do for the non conventional evaluation with a lender, which I claimed that not being very hard because they have been already at point, but because we're out of a little but hired, interact and most people have about point, a lot of people getting counted in the light.

So the three percent interpret a lot of five and a quarter interring, right? And I get a look at refinancing, which was an often but if refine nothing off and I really didn't make sense to because of um the seas associated ated with that, that could only be killed by rolling that into the mortgage of mouth year than this on the feeds. And I also restarted the terms of your loans.

You went back to sort of a large of percentage of interview monthly who is an input? So do you know i'm not onna worry about that and see that in expert loan amount and paid off and see paid off pretty shortly. I think it's thought been a little bit over a year since the homes. And overall, I really feel like I was on a great decision, even though not necessarily have been automatically the the best decision that overall is his mind. So how long did .

they take you to pay that off in totality from starts to finish?

Um IT was probably ly um maybe like or use maybe dream of years.

Did you do anything else? During that time? I was everything extra, every extra dollar basically going to pay off the house now.

Now we still did a few extra things. You know, we did a bit of travelling between my wife and I, you know, I think we did, you know, double the four ago. I did, you know, I one of my hobbies, I like to to find and you know when did a hunting panada mexico and you know we found that some things and enjoyed wife your pretty frugal and intentional you know we built a budget in annual budget, had a spread IT part of allocated certain amount category um which that included some fun money and double money and but and also sort of uh have some of the those two close of a third amount of money going into investments and going to going into the thing of the home mortality. So are we able to send to do do all of IT?

Did you do anything to celebrate when you paid that off?

You know what we not really like? We went out to dinner that was about IT went out and got a kind of a nice I stake dinner and that was about IT isn't too crazy.

What is that like? I mean, no mortgage. You've got massive chunking investments. I mean, you ever think that would be nice to have a lot more cash in the bank or more money and investments instead of a paid for rehousing? Is that piece of mine just totally .

worth the dear um you know what the piece of mind actually is in the lot? Good point. A highlight to down for me.

You know I think a lot of people in the scenario as far as like employer either laying people off or you know Mandating vaccines are just sort like for things people to do things that they maybe didn't necessarily want to do and and having no that and have been made of home just for the opens up and give you on with them to move the receiving over your own life what you like to do. So like I said before, IT, probably I probably, well not probably certainly would have made more money in terms of investing. That money was putting IT toward my mortgage.

But overall, I bent like a set of voice than that of and I do that. They give me a lot of piece in mind that if something happens and I have to worry if, for whatever reason, I work to leave my job, anything like that, I don't have a more good thing. And and had like him more elephant in total in all of a that though yeah yeah, I don't regret IT at all.

So we've talked a little bit about kind of the future goals getting that three million mark. Do you have, you know, I guess, more in the short term, but do you have like A A B hagg or something out there down the road that you would like to hit from a network standpoint or or pass of income or anything like that?

No, I wouldn't really say that my kind of goal is good, more so in terms of piece of mind and then freedom to, you know, enjoy life a little bit more than more time with my wife doing things that we like, you know, like i'm very fortunately very good for the work and employment that I have right now. IT pays very well and but IT is also. It's a lot of time and and can be so much bread ful.

So it's not we don't really have, but you should goal reading some food pie network that's more about to having the freedom to do what we like to do, enjoy life and and not burden by this, having to make money and having to have that job. Yeah, I don't know. We should all I think about that more though, have some sort of a more additive goal in the future. But this point, where was for a content with what do you want to do to doing?

Now it's all something for sharing. So I want to I want to get into to your career path in your career trajectory because I think is very unique and something that is very critical kind of our economy and he really global economy, but I don't think it's talked about very often. So talk to us a little bit about the the path that you took and when you made the decisions that you did that have kind of LED you .

to where you are now yeah um so so I up in arizona. Um mining is A A very prolific. It's A A big industry, arizona. So there's a lot of compromising specifically that happens in arizona. I need of that growing up like a in sort of elementary through a cover mine but I never ever thought about IT contemplate IT or considered going to work in in mining at all but I ve always been very interested in and made about uh the environment, the outdoors matter um and so that's always have been something even before getting for that. Looked out of the library about geology and soil and animals and plants.

And so when I kind of time to uh getting a formal education and and taking what to study, I I didn't really know what I wanted to do, but I knew that I wanted to have some sort of record that involved the environment. And so I I remember thought going to the course cattle, looking at all the different um a degree and matters that were available in the ones that kind of stuck out where geology, uh environmental and civil marine geography and the report that was environmental violence. And so my of first people know just you a little bit too specific.

I like geog, but IT was too narrow. I went to the civil engineering department. I have to kind of learn something interesting as the the full as that the engineering program, example IT was very competed that there was a lot of guys that and some girls that wanted the engineering.

And because of that, I was harder to get into the engineer school. And they are actually less opportunities set into that for the engineering school. And because of that, you have to have sort of yet to have the best grades if you wanted to get a scholarship. And because I was so competitive, a lot of the students after were less out to help you out a study to explain things with you like there are less studying groups and people didn't want to give anybody else to like in that computed at arena.

And so I can went so I went over to the environmental science department and I know a lot about what that was or what IT involved um and talked the processes there and IT stunned out that a lot of the same classes that were in the engineering department were also in its vironment. Into a large extent, there are a lot of loss over in the subject matter. IT was pretty brought in terms of getting to learn about everything from kind of free to geology to soil to water quality.

And I just I don't into that. And I also found out that, that school was much less competitive, therefore is easier to get into. And there were a lot more scholarship available going into the side of bit. And so I I told that of my major and sort of right away, I was able to get full scholarship to help me to.

And actually, we want to opportunities to go to graduate or on an assistance here, which is basically where a professor does research in a certain area and have brand funding and draft money that also covers the research that being done uh but and also provide funding for a dead with student so that generally covers tuition and some inclusive actually clearly the graduates using a baseless family to do school, very forced to get one of those for a Better way degree. And so I I was able to basically come out of school with no down exactly you paid to go to school. So not being a great thing forming. And even to that point, I didn't really know that I was going to go to mind that sort of the the next step to happen after that. So wow.

that is pretty crazy. So now that you're in IT, I mean, on a scale one to ten, I usually access some rapid fire. But how much do you enjoy in love what you do?

You know I I really like IT and I i've been fortunate to fall into a bit of a MIT within the mining industry though when I first started I was an an active mining Operation um and that was really need but about eight years ago so I was at by a little colleague if I was interested in working for a divisions of the company that specifically does um mine recalled mac and mine closer but basically we come into areas after a mine is it's reminding whatever that resource were, commodity is out the ground.

And once that resource were gone, you know you have any number of environmental baLances. You might have underground mines, you might have good giant open fit food plants that have been impacted by that mining activity. And my team comes in and basically could these uh impacted less desirable, this is the property and we would go in and access all of the environmental chAllenges.

Look at all the opportunities for what to be done on those properties are everything um how do they provide value? Either the communist company to the world after that, after we making useful make sure that they don't harm the environment or like human hell and so um I really enjoy IT. It's super fun.

It's never the same every day. We're always dealing with unique chAllenges, unique communities. And so yeah I really enjoy IT.

The only thing like I said is IT IT explained a lot, and on the test fair bit. I work all the north america, so the U. S.

In canada. And so at some point I would still like to do IT, but maybe do a lesson. So now we do have some do things like so many people hold the full time. All you only you only have to work every but make some cool opportunities so that you know I be looking at doing in this year.

Well, that's pretty, pretty crazy. I'm curious at this point, you say thirty eight, how long have you been essentially in the mining industry now?

Um I started um with an instance ship in two thousand twelve so for the summer and basically that rolled into basic a full time jobs. In the start of that you have been working in full time. I sent three thousand fes, so going on about twelve years in the mining industry well.

and is mining one of those that basically when you get in, you never leave, like everybody's been in there and been in .

there forever a to a thing. I would say yes. And I think there are some reasons for that is because you know generally there's always work and that generally pays well.

So yeah, most of people I know have been in mining for most of their fear. They can take you around the world. They can 说实话， 不听 你 所 you when in a certain point and say there that， that can be done fairly easily.

But there's also you want to tell of the world and work around the world those opportunities are there as well. So you need opportunity is a good career. I'm recommended to people, I guess, that I wasn't really fully aware of IT and didn't really consider IT before. But it's me and I also need to be involved in um basically everything that would fight or do your your car, your home, your computers, the road to drive on basically everything that wasn't grown was mind that connection producing the the wrong materials in the report that this .

yeah this .

to me yeah .

I can I can definitely see that and IT is pretty crazy. Mean, you realized how massive one that industry is but too feel like he just doesn't get talked about enough in some respects and how important this is for you know our global economy and the economy here domestically for sure .

yeah you know what I mean that actually probably a self inflicted problem that most people aren't really aware of. I don't hear about the mining industry to for many years, the the mining industry kind of as a whole right to more less pull IT hurt around themselves or or availed themselves because they are trying to avoid opposition or you know groups that are anti mining, anti resource extract and they going to done themselves at this service to where um there actually is that sort of right now in the industry of professionals and of mining professionals, people that have to a to support of uh clear field and so you know anybody is out there that that's listening and not for what to do something that to really consider there is a lot of opportunity and will be a lot of opportunity in the future in the mining industry of really good job and good for everything, good galleries, especially going forward. You know there is a bit of an energy transition people talk about in terms of election fiction of our world and going a little bit away from all of you and having election cars for all that moves is I have increase in the natural resources that are required, the build election motors and build more cars and and upgrade, uh, all the electronics and infrastructure around the whole world.

Yes, pretty remarkable. So let's rap up with some rapid fire questions. What's the most expensive pair, shoes or pants, that you purchased?

Pants story just like a forty dollar period. Love me, but i've probably spent I felt a little bit of money I to lose. I say I like two hundred and fifty dollars on on boots so like some you know really good hiking boots and then also working in the mind. Haven't some like really good comfortable field if you are you working in the mind all all day, you would have to go so that by two and and fifty dogs.

Kay, uh, what about the most expensive meal out?

Um we had kind of A A family event where a lot of people from my White fe family and my family came up um for our family event to our arguable town that we live in. And I take everybody out to eat and I think that ended probably like on our bug, I believe for everyone. Maybe maybe seven eight on our box is under one thousand, but I find the most expensive. Kay.

what about the most expensive? Uh, experienced trip.

let's see. Um maybe like the honeymoon my wife and I went on, we went to australia to went from australia do a lot of things over there. IT was actually combined a little bit with the word trip I had there, what's over there? And so my wife flew over, uh, by itself, honey moon, and let me in australia. So, you know, people, the winner by yourself. And after what he's doing that he's another way to honeymoon by herself, but not for the most expensive trip that we've .

done together. Do you mean how .

much that cost? Oh, you know, I I don't remember exactly, but he was probably, uh, how like seven, six, seven thousand dollars that all work?

Not terrible.

No.

no. What's the A Q S. son? Learn from childhood.

Oh, 没有 key lesson from childhood， man. I I was super fortunate to have really good parents to just thought me a lot of good lessons about being one of those lessons that stand out to me. My dad said I told me and taught me from the Young ages of the best compliment I can yet is that um I was to be called the hard water so please can I told me that no matter whatever job they ever have， whoever you were toward you should always leave that job. But those people knowing that you're responsible and that you're hard water and Carrying down ideology through every day I had in IT, it's really curing well and and LED to it's always, always had to kind of the next opportunity. I one of the big lessons I earn.

okay ah what is something that you spent way too much money on but you .

don't regret? I probably still need to find that thing and most of my life i've been with frugal um I definitely been a minor in a pending pince in life. So this is I think i'm just now getting to the point where i'm going to trying to find that thing that I want to send too much money on and not regret IT. But I don't know do you like i've done like a idea and next ago that was a few thousand dollars in a bear hunt canada that was six thousand dogs. But I I will always and find somewhere to make those people um you know by doing some of the works myself, you there are some way to make IT cost less than that Normally woods so I don't have anything and not in good story .

in that area for ant any bucket list experience if you're looking .

forward to yeah I don't know for me personally is the adventure that i'd like to do at some point that seems to like sundown and goats or hybrid somewhere like a himalayan higher. I think with this, only one of the cooler adventure I can go on.

Okay, what's the domestic year waste money on again?

Yeah, I, I, I haven't really wasted too much money throughout my life, probably to a determent. I've always been a little bit too worried about standing money and and and b and a little bit so um yeah think too many things that were just on purchases. The one thing that comes to mind is I only purchase one quality from a dealer like repair warranty afterwards, which like I I worked the dino and talked the salesmen and like kind of work a really good deal and then I left them like, you know talk me into and and export like twenty five hundred box or something for you know more and he and all you repairs and right down for three number miles and night sounds with the money like ounds. Okay.

okay. What was your first job or how did you in your first book?

Oh, 没有。

i guess might be very lobster was before then?

No, before that I actually so I I remember when I was pretty Young about like eight years goal. Like I really wanted to get a baby gan and I want to have to my giving something like keeking get a job by taking you work here.

And like if you really want to make money, life every house after everything, that i'll pay you to do something and so if we went knock in door to door to really Young, just I have to make the liver is like, yeah, anything I can do, i'll do anything you want to do to make some money and so from pretty and was like no and people's logs and poland needs and their long and twenty four and um I even when I did that later in the I like even after high school before toward like I was at a point road, it's pretty well people and really needed to make money and do that same thing as a you know like maybe twenty twenty one years old like the door the door and all people that I just do. I have my named that larson start building in handy and I can do anything you need. I need to make some money and do whatever you.

Yeah, long care. I kind of stuff so yeah so a lot of different things make .

back nice. What I closely help belief that you want, how you recently change your mind on.

嗯， yeah, that's that's a good rest. And I I think probably IT truly goes back to the debt thing. I've always been super dead diverse. I've never had any debt.

But I think i've probably and changed my mind a little bit, just sort of understanding a debt leverage as a tool Better and not that i'm, you know team to go out there and start you know borrow ing money in and find the leverage myself in the bigger positions. But I think I understand IT now and just don't see IT is like a super scary undernote circumstanced thing that I used to. Where is now like it's the right opportunity over there um in something that I did that I wouldn't be afraid to use that OK.

What financial habit have you changed the most and you became a millionaire .

really haven't changed very much. But I can say that um before becoming a millionaire was you know like bigger process. You know, I always like the person that would order to well to see the thing off the menu and sce done like, you know, going out me like that, 我也 不当 保养。

I recognized that not a big deal and we're in a position know you want all of the loss for all of the lower. You don't know you were laughing, but those things aren't aren't a big deal. And that has been informing. And in the second thing I would say is that how to we.

Or see somebody that maybe the real user benefit from security um and we will get about IT or you not able to to do some of that stuff, you know pay something to murder for a month or you know help something with medical tail, something like this never know anybody, you know up the night, somebody that deliver bit also me you .

asked words, advice for somebody who just turned out .

on the journey yeah words, the advice I said be intentionally with your money so you know it's located, make mistake. But but the best thing to do is is intentional. So the whole like you will only live one kind of thing is will lead you to the risk of ruin and not in a good place. And so I say, yeah, just to be intentional. And in one thing that i've done that I I sometimes sell people and they are for advice or asking me know， is this a good money decision or not I I say to think about your life in the finances as if they were a business like you're the of the life you know, asked your self, would this be a big decision? Like if you are gonna this as an investment or business reason for business, that will kind of tell you whether or not you're looking a good of days in which reminding so that one of things today, I would say, with awesome.

exactly the network of one point eight million dollars things from the show today.

you have no problem think you have me.

thanks. You are listening to the millionaire unveiled pocket with jay matteson. For more stories and best opportunities and information, check out our website millionaire veiled that com. See next time when you'll hear from another everyday millionaire.