Giving and Goals

Episode Transcript

Speaker 1 (00:00):
Joined this morning by our retirement planning professionals from Class Financial,
Cjkloss and Malia Quavis. Of course, you can learn more
about Class Financial online the website you guessed it, it's
Class financial dot com. That's claus k l aa S
Financial dot com. Great website to learn more about the
team at Claus Financial, learn about their separate divisions. Also,

(00:20):
you can sign up for the weekly Market Pulse newsletter.
It's ah every week or so. You get a little email.
It's got a link to the most recent podcast. Also
snapshot of what's been going on in the market. It's
a really really nice feature. Helps you keep connected with
the show and of course keeps you connected with with
what's going on when it comes to the financial world. Again,
that is free to you. Just head on over to

(00:41):
classfinancial dot com. That's coss k l aa S Financial
dot com. The telephone number six oh eight four four
two five six three seven. No charge for that initial
get to know you appointment at Claus Financial. It will
be complementary to you. Again. The number for the office
six oh eight four four two five six three seven.
If you've got a question, have you join us this morning.

(01:01):
Telephone number at station six oh eight three two one
thirteen ten. That's three two one thirteen ten. And joining
us this morning is CJ Loss and our CJ Loss,
Emelia Quavis. CJ. How you doing this week?

Speaker 2 (01:11):
I'm doing great. Good morning, Sean.

Speaker 1 (01:13):
It's great to talk with you.

Speaker 2 (01:14):
CJ.

Speaker 1 (01:15):
Malia. How are you? How is your Thanksgiving?

Speaker 3 (01:17):
It was very good. It was a little warmer than
it is today, that's for sure.

Speaker 1 (01:22):
Yes, it was warmer in your freezer than it is today,
that's for sure. So it was great to talk with
both of you. And it's such a fantastic time of year.
I know there's a lot of excitement, of course seeing
family and gift giving and all the great stuff that's
that's going on. And we're going to talk about when
it comes to gift spending and other things issues when

(01:44):
it comes to saving for retirement, and get some tips
that that folks can utilize this time of year and
actually year round as well, when it comes to to
really looking at the big picture. And again this time
of year, it's you know, he's wanted to spend, spend,
spend and make everybody happy, but it's there's some poor
and things to remember. So we'll talk about that with
Cgen Malia this morning. Speaking of talking with Cgen Melia,

(02:05):
another great thing is it pays to listen closely with
the program a couple of reasons. One, you get fantastic
information too. You have a chance to win a fantastic
prize with the class quiz question leak no exception. This week,
I'll have a chance for you to win a twenty
five dollars gift card to Sephora that is from our
friends at Class Financial. Again, pay close attention to the
program because just about every time the class Quiz question

(02:25):
leak and answer comes up during the program. And before
we start talking this week about holiday spending and ways
to just really protect things and of course that keep
keep things under control, let's actually take a look back
at our show from a couple of weeks ago and
get the class quiz question the week and answer there
as well. Malia.

Speaker 3 (02:46):
Yeah, so two weeks ago we were discussing the importance
of being very very careful online safety with regards to
your passwords that you have out there, and we talked
about perhaps looking at putting credit freeze on your accounts
just to keep fraudsters out of your life. Hopefully so listen,
listen back to that show because you might get some

(03:08):
good information. Again, as we're in the thick of holiday spending.
So our question revolved around that true or false putting
a credit freeze on your accounts prevents identity the use
from opening accounts in your name. The answer to that
was true. Tammy of Madison correctly answer that, So congratulations

(03:29):
to her. But listen carefully to today's show and the
question that goes with it.

Speaker 1 (03:33):
Really great program as you mentioned, Malia, and a lot
of really great tips the other week, So you can
listen back at classfinancial dot com. That's Class k l
a A Sfinancial dot Com or Telling number six So
eight four four two, five, six three seven and CJ.
Let's talk about kind of get into this with the
holidays coming up and gift spending on the horizon. I've
got a guess this can create some issues when it

(03:55):
comes to folks saving for retirement. They're saving plans for retirement.
Let's talk about some tips for folks when it comes
to managing being both generous and of course being cognizant
of saving for retirement.

Speaker 2 (04:08):
Yeah, I know this isn't a problem for you, Sean,
because normal people this can be an issue. So, yeah,
we talk a lot on the show about watching our
debt levels. And if you've listened to this show for
a while, because believe it or not, I think we've
done it for upwards of fifteen years now. But if
you've listened to the show for a while, you've heard
us talk a lot about planning for retirement. And one
of those best ways to plan for retirement is to

(04:29):
be diligent in paying down your debt, because there is
kind of no freer way to enter retirement financially than
without debt. Well, we find that there are certain times
of the year that debt can suddenly crap up and
get out of control. And one of those times of
the year, surprise surprise, is around the holiday season. So

(04:49):
in October, forecast from the National Retail Federation NRF, they're
a major retail trade association, predicts that this winter holiday
spending in twenty twenty four in the United States is
expected to grow between two and a half and three
and a half percent from what it was in twenty
twenty three. That increase of two and a half to

(05:09):
three and a half percent equates to about a total
of nine hundred and eighty billion dollars of spending. Yes,
nine hundred and eighty billion dollars of spending. Now a
primary contributor to overall retail sales growth is expected from
online shopping online another non store sales will call it,

(05:30):
which accounts for eight to nine percent of the total spending,
which is like two hundred and ninety billion dollars worth
of I'm sorry, it's an increase of eight to nine percent,
which accounts for two hundred and ninety five billion dollars
of that nine hundred and eighty billion we talked about before,
So think of it as around thirty percent total of

(05:50):
the sales is predicted to be online shopping, which is
an eight to nine percent increase from what it was
a year earlier. So listen. While this purchasing can certainly
helped to boost the economy, you know, thank you very much.
You keep our stock market going and in our economy going,
and certainly our local companies, you know, thrive when you
spend money, it can also be really dangerous individually. So

(06:13):
you'll often hear us talk on the show about savings
rates and spending patterns, and sometimes it can confuse people
because we'll go Ooh, the savings rate got too high.
What are you talking about? I thought you guys were
a retirement planner. Savings is a good thing. Well, there's
two ways to kind of talk about saving and spending.
One is through the economic lens of the engine of
the United States, needing saving and spending rates to be

(06:36):
in a certain range for the economy to stay thumping.
But that's not what we spend most of our time
talking about. Most of our time is focused on you
or me and what we are doing individually, and unfortunately,
during these holiday seasons, we often find ourselves over spending,
spending outside of our means, and unfortunately spending a lot

(06:58):
of money on credit cards.

Speaker 1 (07:00):
This morning with CJ. Coloss and Malia Quavis, and we're
going to get into some of those tips in just
a moment. Don't forget, though, if you've got a question,
whether it's about this week's topic or a question about
retirement planning in general, We've got our retirement planning professionals
from Class Financial, CJ. Closs and Malia Quavis here to
help guide you all you got to do this morning.
Pickup phone gives call six SOH eight three two, one
thirteen ten that's six soh eight three two one thirteen ten.

(07:22):
Love to get you on the program this morning and
love to get your call. Don't forget you can learn
more about Class Financial their website colssfinancial dot com. That's
coss Klaasfinancial dot com and they're telephone up from the
office right here in Madison. Six 'h eight four four
two five six three seven So CJ. Let's get into
that first tip. What's some what's something people need to
be thinking about this time of year.

Speaker 2 (07:43):
Yeah, if you want to enjoy the holidays without suffering
a wave of financial stress, prioritize planning by setting a
reasonable holiday spending budget. Whether you struggle with holiday spending
or you're just looking for ways to better manage your
money around the holidays, We're going to offer you some
tips or some suggestions today. So tip number one, give

(08:04):
yourself a gift first, and that gift would be work
on increasing your retirement savings. Now I know this sounds odd, like,
what do you mean a gift? Well, listen, there will
be no greater gift to you that will give in
compound interest for the rest of your life than retirement savings.
So I know this sounds odd, but my common would
be before you go out and do your online shopping
or go out and do your in person shopping, pause

(08:26):
and say, am I saving enough in am I retirement
plan to actually retire on time? And if your answer
to that is no, then we would say pay yourself first.
Go into your four one K plan literally right now,
log in, increase it by one percent so that you're
paying yourself first before you go spend money for the holidays.
And for those who don't know, a good rule of

(08:46):
thumb is that somewhere between ten to fifteen percent of
your gross household income going into retirement should give you
a pretty decent replacement of your wages in retirement. Now,
that's a rule of thumb. Be cautious because not all
rules of thumb work out perfectly for individuals.

Speaker 1 (09:03):
I was telling you CJ. We didn't do a show
last week, but you and I had a chance to
chat last week, and I had mentioned to you, thanks
to doing this show with you and Malia over the years,
bumping up that that it just kind of that reminder
of bump up that percentage each year or so. And
one thing that I've noticed is it's really encouraging at
the when you when you get those statements at the
end of the year and you're like, oh, my goodness,

(09:24):
look at look at what you know you've been able
to do, and just by doing those small, incremental, little
bumps of percentages you don't notice a week in and
week out, but my goodness, at the end of the year,
you're like, Wow, yeah, I think that's good, really good guidance.
This morning, as we talked with CJ. Closs and Maliquidus,
they are our retirement planning professionals from Class Financial. We'll

(09:45):
get some other tips as well when it comes to
holiday buying decisions and of course the importance of of
being cognizant of your spending. We'll get to see details
from Cgmalia. We will do that next. Don't forget if
you haven't been to the website yet, head on over
there Class financial dot com. That's Class k l aas
Financial dot com and they're telephone number six oh eight
four four two five six three seven. More of money

(10:07):
in Motion with Class Financials next right here at thirteen
ten WIBA and our phone lines are open for you
right now six oh eight three two one thirteen ten.
That's six oh eight three, two, one, thirteen ten talk
this morning with CJ. Closs and Malia Quavis. They, of
course are our retirement planning professionals from Class Financial. I
hope you had a chance during the break to head
on over to the website colssfinancial dot com. That's Class

(10:29):
k l aa S Financial dot com. You got to
add that opportunity definitely when you get into the office
this morning. Check it out. Learn more about Class Financial
on their website their telephone numbers six oh eight, four
four two, five, six three seven. Getting some tips this
week about making some smart decisions when it comes to
holiday gift giving, and Malia, obviously, I think I think
this time of year, we all want to be as

(10:51):
generous as possible, and there are things though, you really
want to be thinking about when it comes to making
sound holiday gift buying decisions, aren't there?

Speaker 3 (11:00):
Absolutely? I mean, and we're the first ones to say
we don't want to short anybody on their generosity. So
you should remain generous in your life and that excites
us when you can help other people. But really the
main idea here today is to avoid going overboard on
the holiday spending. So there's a six letter word, no

(11:20):
one wants to hear this word, but it's budget b U,
D G E T. And so what we say is
give yourself tip number two. Give yourself a set amount
or otherwise known as a budget, to spend for those
those items under holiday spending. So really, you know, if

(11:40):
I know this is an old school, but if you
could pay in cash, you would be surprised. I think,
how how much less you would spend during the holiday season.
Now a lot of places are cash lists, so this
doesn't really go hand in hand. But point being, if
you said I'm going to spend five hundred or one
thousand this season, and you actually put an envelope of cash,

(12:02):
you would resist, you know, spending more because once the
cash is gone, the cash is gone, unlike a credit card.
It just you don't really feel it right. So you
need to figure out how much it makes sense to
spend and keep to that hard limit. It's interesting I'll
have people say to me, you know, the range is

(12:22):
quite large. People say, well, every year I give my
grandchild fifty dollars, you know, could I increase that to
one hundred or you know, every year I give my
children one thousand dollars? Is that reasonable? Or you know,
and I think when you have a relationship with a
financial advisor they can help guide you even on these

(12:42):
little things because emotions do take over during holidays, they
just do. So really, what we're talking about is not
just the gifts, is everything else associated with the timing
of the year. So Tip number three is do your
research on where the deals are for shopping, but resist
the temptation to spend more than we just discussed the

(13:05):
amount that you've allotted. Of course, we're all big on
free shipping, to make sure you do your due diligence
to make sure that's the situation for your case. Tip
number four watch out for hidden costs of the holidays,
such as larger food bills, whether you're hosting or you're
bringing items for parties, you know, mailing new gifts, et cetera.

(13:28):
I mean, I have four adult children, and I can
guarantee you when they all show up at Christmas if
we go out to dinner, you know, that's a very
large bill. So there's not a lot of going out
to dinner, and you know, they might want to order
extras on the menu and I'm like, okay, this is
going to be expensive. So you know, set the expectations.

(13:52):
You can have a lot of fun by doing things
a lot less expensive. I hope my kids are listening
today to this tip number five as we're talking about
don't charge it. So one looming problem that exists is
that many people carry residual debt from the holidays, and
you know, it's not a good gift. In January when

(14:13):
you get that bill and your stomach just kind of
drops because you're like, did I really spend that much?
And the reason we're bringing this up today is lending
Tree reported that as of December, just this last week,
the average credit card interest rate is still hovering around
twenty four point six percent. So that just adds up

(14:33):
really really quickly. And you know, again from the advertiser standpoint,
the sellers, they're quick to tell you, well, the monthly
cost to buy the new TV or whatever the telephone
is only you know, fifteen dollars or whatever. But keep
in mind that either the full price or the price
plus interest, that great deal might not be such a

(14:55):
great deal. People get lured into six months, you know,
no cash down. If you don't pay it off in
that six months, all that interest has accrued, and that
is an ugly statement you get in the mail, so
we don't want people to fall into that trap. Our
sixth tip is consider alternative. So again old school, but

(15:15):
there's nothing more warming to receive than a handmade gift,
So especially in the mail today, to get a card
from someone making a personalized video message, maybe you say,
you know what, I want to just take you out
and let's go to a museum, doing a music playlist

(15:37):
for family members. So you know, there's just so many
different interesting ways. Again kind of old school, but much
less expensive and may be more memorable, so keep that
in mind as well. And then finally we just want
to say preparing for the holidays doesn't have to be
a terrifying thing. Okay, if you set a reasonable budget,

(15:57):
you avoid racking up that debt and you can still
show your loved ones that you care. That's really, hopefully
what the holidays are all about.

Speaker 1 (16:05):
Really important guidance this morning. And I love the the
special handmade gifts and that stuff is you know, those
are those memorable things as well, that it's not just
going to end up in the end up in the
trash can or a land for for sure too. So yeah,
really good stuff. Malia and CJ. They are our retirement
planning professionals from Claus Financial the website class financial dot com.

(16:26):
That's Claus k l a A S Financial dot com.
And their telephone number six oh eight four four two
five six three seven. No charge for that initial gets
to know you appoint appointment at Class Financial. It will
be complimentary to you again. Their number six oh eight
four four two five six three seven. Will continue our
conversation with CJ and Malia. Next has Money in Motion
with Coss Financial continues right here on thirteen ten. W

(16:48):
U I B I talking this morning with our retirement
planning professionals c J. Closs and Malia Quavis. Of course
they come to us from Class Financial the website colss
financial dot com. That class k l AA S Financial
dot com. Dolphan number six oh eight four four two
five six three seven. Don't forget no charge for that.
Inanial'll get to know your appointment at Colss Financial. It

(17:10):
will be complimentary to you again. Their number six oh
eight four four to two five six three seven. You
want to hold on to that number as well. Coming
up a little bit later in this segment, we'll be
doing our class quiz question the week your chance to
win a twenty five dollars gift card to Sephora. Talking
this week about about being generous and being smart at
the same time. They are not mutually exclusive. As a

(17:30):
matter of fact, you can do both and some really
great tips don't forget can always listen back you've miss
saying part today's program at Colssfinancial dot com and CJ
what about I think goodness, I'm sitting down because as
I'm reading this, I'm it makes me dizzy to think
about what about borrowing from retirement accounts or savings accounts
for Christmas? It's probably not a very good idea, is it.

Speaker 2 (17:53):
No, So we Malia was touching on this earlier as
Americans and living in a free capitalist republic we well,
and a democracy. There's a lot of great things about that.
One of the things we have to be cautious of
as individuals and families is that that means marketers and

(18:15):
companies and businesses and you know, people who are thinking
out ways to get into your pocketbook can really start
to make you feel like you're missing out right. So
this concept of fomo, and unfortunately these little devices we
all have in our pockets have not only caused massive
amounts of anxiety and fomo fear of missing out, but additionally,

(18:38):
they've allowed advertisers to come right to our face constantly.
It's the reason why they're projecting such an increase in
online shopping because since the advent of the iPhone and
other smartphones, online shopping has gone through the roof because
advertisers are get right into your pocket. Okay, So why
am I saying this? Gosh, I sound like some you know,
scared parent or something like that. So what we're getting

(19:01):
at here is because of that reality. Because of the
reality that advertisers can get to you so quickly, it
can create this fear of missing out or that I
need that next best thing, which can lead people to
making what would have been otherwise insane decisions, such as
taking money out of your retirement account to go buy
these things now. Again, if you were to just be,

(19:24):
you know, off on your own, not watching advertisers, you
would think that is the most insane thing.

Speaker 3 (19:29):
I've ever heard.

Speaker 2 (19:30):
Who would ever borrow from their retirement account to go
buy gifts for the holidays? And the answer is, unfortunately
a fair number of people. So you know, four to
one K plans We can actually look at studies on
this to see, hey, when does most loaning actually occur
on retirement plans, And the answer is surprise, surprise, right
around the holidays.

Speaker 3 (19:51):
So if you're.

Speaker 2 (19:51):
Moving this direction, you should consider a few things before
you do so. If you don't repay the four oh
one K loan or four h three B loan including
interest according to the loan's terms, any unpaid amounts become
a distribution to you, and the issue with that can
be that that distribution becomes taxed and penalized if you're

(20:12):
under the age of fifty nine and a half. Additionally,
your plan may even require you to repay the loan
in full if you leave your job, but this is
we say they may under almost all circumstances they will.
And if you don't repay it upon leaving that job
or being laid off or retiring, then again it becomes distributed,

(20:32):
and if that distribution occurs prior to age fifty nine
and a half, it can become penalized. And then furthermore,
you may have to include any previously untaxed amount of
the distribution in your gross income in the year in
which the distribution occurs, and then pay that ten percent
penalty I was talking about if you're under fifty nine
and a half. And finally, the biggest reason not to

(20:53):
move in this direction is that you'll be missing out
on the compounding of your nest egg as you move
into retirement. So long story short, don't do it. I mean,
listen for when K loans can be a system of
last resorts in a like unprecedented life circumstances. But I
don't think holiday shopping is one of those, So just

(21:15):
be cautious.

Speaker 1 (21:15):
Talking this morning with CJ. Coss Emlia Quavis, our retirement
planning professionals from Class Financial DORGA. You can learn more
online the website class financial dot com that's coss k
l as Financial dot com and their telephone number six
oh eight four four two five six three seven. No
charge for that initial get to know you appointment at
Class Financial. It will be complimentary to you again their
number six oh eight four four two five six three seven.

(21:39):
What about goals, CJ, Let's talk about some goals you
can be using this time of year to really to
really stay on track.

Speaker 2 (21:46):
Yeah, so almost the counter to what we've been talking
about here, which is the you know, kind of warning, warning, warning,
be cautious around the holidays. Let's move to more of
a of a positive focus on this. So identify and
prioritize goals. So this to try to create alignment between
your spending and savings habits and your life goals. We
do understand that sometimes it's difficult to think long term

(22:07):
because many of us don't consider our immediate financial decisions
in relation to our larger financial picture, and it can
be tough to prioritize spending if you haven't taken the
time to identify your goals. So goals is the idea
of positively saying, hey, what is what will my future
self value? Right, my future self will value having financial

(22:27):
freedom and flexibility and not having a mortgage payment and
all those things. Bring that future self back into the
present to help you make good decisions around spending. So
again aligning your spending with your future goals. A second
thing would be maintain a budget at every stage of life.
Maleah mentioned this earlier. Budget is like a four letter
word to people nowadays. But and what's ironic about this

(22:49):
is young people will often come into us. And by
the way I use young people loosely, let's call it
anybody under forty five years old, we'll just call a
young person if you fit that category. Many people under
forty five will come in and go, oh, I don't
need a budget because my credit card tracks it. And
I got great, how much did you spend? And then
what categories? And they go, I don't know, let me

(23:11):
pull it up and I go no, no, no, no, no no,
I understand. You say, your credit card tracks it, tell
me what it's tracking. And the idea of this is
it's great that these companies helped to tell you where
the money is going and what the categories are. But
if you don't know that and digest that and have
that you know, change your patterns of spending, then it's

(23:34):
all for nought. Because listen, I can tell you my parents,
well probably more my grandparents, they knew down to the penny.
If I said where did you spend money last month?
It was boom, here are the eight major categories where
we spent money. Right off the top of their head.
They knew because they were writing it into a ledger
every single day. We have become so wealthy and technology

(23:57):
has created so much laziness in us that we couldn't
tell you where a thousand bucks went, so be cautious
with that. Maintain a budget at every stage of your
life and be aware of that budget. Another thing would
be another goal to think about would be evaluate your
spending needs versus your wants. So again, unchecked spending is

(24:18):
the leading cause of budgets gone awry. Discretionary spending should
be prioritized to prevent over spending. So again, back to
having a budget, back to maintaining a budget at every
stage of your life. Would just be reviewing that on
a consistent basis. Additionally, I'd adopt a positive attitude about money.

(24:39):
So money create can create freedom. It doesn't have to
restrict you. And believe it or not. When when you
think of when you think of building a budget, a
lot of people say, ah, that just that makes me
feel like restricted. I want to I want to be
free with my money, like I'm free with my you know,
with my faith and religion and decisions here in America.

(25:01):
And I go, yeah, but how is that freedom in
finances making you feel? And at the end of the day,
if people really live into that freedom, what they end
up saying is I don't feel free at all. I'm
actually a slave to a bunch of debtors. Listen. Freedom
is an interesting concept. I'm not going to go off

(25:23):
too far on this, but freedom is great when it
is contained by something. You've got to decide what you're
going to be contained by. We would suggest, within financial planning,
you should be contained by a budget, and then finally
consider working with an experienced financial advisor to help keep
you on track with your goals. So this might sound small,

(25:43):
and I'll be frank with everybody. A lot of times
financial planners get over sold like, oh, everybody needs a
financial planner. If you don't, you're going to fail financially.
That's simply not true. What we would say is envision
like two paths. Right. One is the path without an advisor.
One is the path with a good advisor who knows you,
meets with you consistently, and gives you advice. The path

(26:05):
start out almost parallel, but one just slightly turns a
different direction every six to twelve months as you meet
with that advisor. Not major, Right, Hey save an extra
half percent to your four oh one. K. Hey, you're
spending a little bit too much real in that spending. Hey,
you're a little too aggressive on your four oh one
k plan. These are tiny little changes, but envision those paths.

(26:25):
They start out pretty parallel, but over twenty thirty forty
years of small little changes, by the end of the path,
they don't look like they were even in the same stratosphere.
And so that is the concept of financial planning. It's
not going to be that you meet with an advisor
and go, oh my gosh, I'm suddenly a millionaire. No no, no, no,
no no. It's small decisions that mount up to great

(26:47):
changes over a long periods of time. It is the
concept of compound decision making.

Speaker 1 (26:51):
It's amazing we talk about putting plans in place for goals,
and you think about here for people that are very successful,
and they always talk about the importance of of having
goals and measurable goals and those type of things. And
as of course, as we reach towards the end of
the year, a lot of this stuff is on our mind.
It's a great time to start that conversation. If you
want to learn more about Class Financial got a great

(27:12):
website and a great resource, just head on over to
class financial dot com. That's class klaasfinancial dot com and
you can learn more online. Sign up for the weekly
Market Pulse newsletter. Also listening back to this in previous shows, podcasts,
televoper for Class Financial Office right here in Madison. It
is six oh eight four four two five, six three seven.
Don't forget no charge for that initial get to know
you appointment at COSS Financial. It will be complimentary to you.

(27:35):
Speaking of telephon opper for COSS Financials Office here in Madison.
You're going to hold on to it because it's time
now for the COSS Quiz Question the week. It works
like this. In just a moment, I'll ask you the
class quiz question the weak and then have thirty minutes
from the end of today's program to call the Class
Financial Office right here in Madison at six oh eight
four four two five, six three seven. If you are
the first call correct answer to win this week's prize, which
is a twenty five dollars gift card to Sephora. This

(27:56):
week's Class Quiz question Week is this true or false?
Winter Holiday spending in the US in twenty twenty four
is estimated to be about nine hundred and eighty billion
dollars this year. True or false? Telephone number six so
eight four four two five, six three seven if you're
the first call out Correctnce, you win the twenty five

(28:16):
dollars gift card to Sephora. No forguy as well. That's
Class Financials office right here in Madison again their number
six O eight four four two five six three seven C. J. Malia.
It's always great chatting with both of you. Guys. Have
a great day, and I didn't even mention you guys.
Updated the photos on the website for people.

Speaker 3 (28:31):
That want to glad you saw that, gotcha.

Speaker 1 (28:35):
You guys have a great day. Thanks cha, I'll take care,
see Dan Malia. Doctor Greer joins US next year at
thirteen ten WIBA