WEBVTT NOTE This file was generated by Descript 00:00:18.683 --> 00:00:20.843 Riccardo Stewart: I wanna welcome you guys back to another episode 00:00:20.843 --> 00:00:23.303 of the A-W-M-N-F-L Podcast. 00:00:23.303 --> 00:00:26.973 My name's Ricardo Stewart, I'm your host, and I'm joined with my friends 00:00:26.993 --> 00:00:31.403 Sam Acho, the mayor, Zach Miller, who we call The Truth, and Jeff Locke, 00:00:31.403 --> 00:00:34.943 who we call the professor because he's always dropping knowledge. 00:00:35.003 --> 00:00:40.523 Fellas, before we even jump into the podcast, it seems like we're all at home. 00:00:40.583 --> 00:00:43.043 I mean, this is few weeks after the draft. 00:00:43.343 --> 00:00:46.463 Many of us have been traveling, getting our guys situated. 00:00:46.838 --> 00:00:50.078 Um, Sam, let me start first with you before we even jump 00:00:50.078 --> 00:00:52.958 into the topic, is what, what's life like in Dallas right now? 00:00:53.963 --> 00:00:55.373 Sam Acho: Well, it's, it's getting hot in Dallas. 00:00:55.373 --> 00:00:57.233 It's about to be a hundred degrees tomorrow, which is a 00:00:57.233 --> 00:00:58.823 record hot for this time of year. 00:00:59.003 --> 00:00:59.963 Uh, but it's good. 00:00:59.963 --> 00:01:00.353 It's good. 00:01:00.353 --> 00:01:03.143 I've got a chance to be home a little bit more with family, which has been great. 00:01:03.458 --> 00:01:06.758 Obviously on the road, a little bit headed on the road tomorrow, uh, for some 00:01:06.758 --> 00:01:10.568 meetings and some, uh, to connect with some athletes and to speak, and so all 00:01:10.568 --> 00:01:14.483 is well, uh, but things are getting ready to slow down before they rev up again. 00:01:15.533 --> 00:01:17.663 Riccardo Stewart: before I got get to Zach, which I know it's hot where 00:01:17.663 --> 00:01:19.253 he's at 'cause I'm in the same office. 00:01:19.583 --> 00:01:21.143 Uh, Jeff, you got a jacket on? 00:01:21.143 --> 00:01:21.383 What? 00:01:21.383 --> 00:01:22.168 What's LA like? 00:01:23.333 --> 00:01:25.193 Jeff Locke: You know the one number one rule living in LA is you don't 00:01:25.193 --> 00:01:26.603 complain about the weather to anyone. 00:01:26.603 --> 00:01:27.503 Not in la. 00:01:27.803 --> 00:01:31.433 So it, uh, it's nice in la, cannot complain. 00:01:31.433 --> 00:01:33.443 Might get a little hot, but nothing like that. 00:01:33.443 --> 00:01:36.113 Easy in Texas heat, you boys are about to go through. 00:01:36.593 --> 00:01:39.803 Riccardo Stewart: Yeah, Zach, I mean, give us a glimpse on what's it like. 00:01:39.803 --> 00:01:41.723 I mean, you've been coaching youth football outside in 00:01:41.728 --> 00:01:42.139 the weather in Phoenix. 00:01:42.443 --> 00:01:42.893 Holler at me. 00:01:43.928 --> 00:01:45.788 Zach Miller: Hey, it's, it's, it's hot. 00:01:45.878 --> 00:01:50.078 Um, all I know is you, you get tough playing football in Phoenix 00:01:50.108 --> 00:01:52.928 in uh, in this kind of weather. 00:01:52.988 --> 00:01:57.248 And uh, I actually got my first exposure to the Red Zone Elite Tournament was 00:01:57.248 --> 00:01:59.018 the first one I had my 10 U Boys in. 00:01:59.018 --> 00:02:01.868 And lemme just tell you, there's some athletes out there and that 00:02:01.868 --> 00:02:04.928 whole world is, whole world's insane. 00:02:04.928 --> 00:02:08.678 It's, uh, it's a lot of fun though, uh, mid, uh, midnight Madness tournament. 00:02:08.678 --> 00:02:11.408 So really enjoyed doing that with the, with the boys. 00:02:11.828 --> 00:02:14.918 Riccardo Stewart: Yeah, just on that note, I was where Zach was with the Red Zone 00:02:14.918 --> 00:02:19.148 Elite and then moving forward and, and, um, the kids I used to coach now are all 00:02:19.148 --> 00:02:23.138 in high school and they're starting all to receive their first division one offers. 00:02:23.138 --> 00:02:25.268 And so I'm excited to see that. 00:02:25.268 --> 00:02:27.578 And so, uh, I mean, we, we probably got ourselves some 00:02:27.578 --> 00:02:28.958 future clients here, but, uh. 00:02:29.813 --> 00:02:30.383 Zach Miller: Definitely. 00:02:30.803 --> 00:02:32.513 Riccardo Stewart: talking about the draft guys. 00:02:32.513 --> 00:02:38.123 You know, I, I wanna really focus now on the conversations we've been having with 00:02:38.213 --> 00:02:43.463 many, many potential, uh, clients of ours that have reached out to us and talking 00:02:43.463 --> 00:02:45.473 about, okay, now I have 50 million I. 00:02:45.818 --> 00:02:49.328 I got 60 million, like what needs to change? 00:02:49.538 --> 00:02:53.498 Um, what sort of advice should I have from a financial standpoint 00:02:53.708 --> 00:02:55.568 that's, that's non-negotiable? 00:02:55.898 --> 00:02:59.018 And guys, what I'm talking about is not necessarily what investments should I be 00:02:59.018 --> 00:03:03.278 in private or, um, public market Really going, like stepping back and look at the 00:03:03.278 --> 00:03:07.568 financial world and going, when it comes to my options out there, like what should 00:03:07.568 --> 00:03:10.508 an ultra high net worth athlete have? 00:03:10.898 --> 00:03:14.468 And what I usually say is there's, there's three eyes that we talk about, 00:03:14.498 --> 00:03:19.208 and one is you need to make sure wherever you're at, it's independent advice, and 00:03:19.208 --> 00:03:23.678 then when it comes to all of your assets and anything that your money touches, 00:03:23.888 --> 00:03:25.778 that your plan should be integrated. 00:03:26.633 --> 00:03:30.353 Then lastly, it should be individualized, those three eyes, right? 00:03:30.413 --> 00:03:33.443 It should be independent, integrated, and individualized. 00:03:33.443 --> 00:03:36.113 And so I'm gonna, I'm gonna ask you guys to go ahead and talk 00:03:36.113 --> 00:03:37.553 about each one of those eyes. 00:03:37.553 --> 00:03:40.013 And first, I'm gonna start first with you, professor. 00:03:40.133 --> 00:03:43.403 So if you can start off with some knowledge is it talks about independent, 00:03:43.733 --> 00:03:45.023 what does that actually mean? 00:03:45.023 --> 00:03:47.483 When I, when I say to someone, Hey, you wanna make sure that 00:03:47.483 --> 00:03:48.773 your advice is independent. 00:03:49.718 --> 00:03:51.908 Jeff Locke: Yeah, so independent is actually looking at the 00:03:51.908 --> 00:03:55.418 structure of the company or the firm that you're working with. 00:03:55.478 --> 00:03:58.658 Everyone might be built a little bit different, and you gotta get a 00:03:58.658 --> 00:04:00.038 little bit into the nitty gritty. 00:04:00.098 --> 00:04:02.828 You gotta do a little bit of research to figure out who you're actually dealing 00:04:02.828 --> 00:04:05.378 with when it comes to financial advice. 00:04:05.678 --> 00:04:11.408 So what you want is advice that is specific to you, not. 00:04:11.798 --> 00:04:15.818 Just kind of advice that's kind of suitable to you or like, Hey, it 00:04:15.818 --> 00:04:18.068 might kind of fit your circumstance. 00:04:18.098 --> 00:04:22.178 And what I mean is when you work with certain types of companies, 00:04:22.238 --> 00:04:27.338 think really big banks, think places, insurance companies think anything 00:04:27.338 --> 00:04:29.048 that is publicly owned, right? 00:04:29.048 --> 00:04:30.038 Traded on the stock market. 00:04:31.393 --> 00:04:34.103 Their first answer, who they first answer to. 00:04:34.643 --> 00:04:37.283 Is the people that invest in their company, right? 00:04:37.283 --> 00:04:40.553 Millions of people are owners of their companies. 00:04:40.913 --> 00:04:43.433 Their number one responsibility is profit for the company. 00:04:43.493 --> 00:04:46.163 Number two, responsibility is advice to you. 00:04:46.883 --> 00:04:47.303 Okay? 00:04:47.663 --> 00:04:52.013 So being independent means you don't have that big boss. 00:04:52.073 --> 00:04:54.923 You gotta answer to driving the profit, right? 00:04:55.343 --> 00:05:00.173 Independent also comes down to the investments that you can be put in. 00:05:00.233 --> 00:05:02.033 The investments you can actually choose. 00:05:02.393 --> 00:05:04.613 Or your advisor can help you choose in your portfolio 00:05:05.573 --> 00:05:07.643 when you're not independent. 00:05:08.303 --> 00:05:10.553 I hate the term, but they call it a menu, right? 00:05:10.553 --> 00:05:14.033 All these big companies, since you create this menu, like you're at 00:05:14.033 --> 00:05:16.853 a place getting dinner, these are the different investments you can 00:05:17.123 --> 00:05:18.803 choose from, and it's only this menu. 00:05:18.833 --> 00:05:21.233 You can't go back to the chef in the back and be like, Hey, 00:05:21.233 --> 00:05:22.163 I want this special order. 00:05:22.163 --> 00:05:24.173 They'd be like, nah, this ain't that kind of place. 00:05:24.593 --> 00:05:25.043 Right? 00:05:25.133 --> 00:05:26.363 That's when you're not independent. 00:05:26.363 --> 00:05:30.143 You've got this menu when you've got wealth like Ricardo talked about. 00:05:30.608 --> 00:05:32.318 You need a lot of stuff off menu. 00:05:32.408 --> 00:05:35.558 You need to be able to go to any farmer's market, you want any restaurant 00:05:35.558 --> 00:05:39.938 in the world, and pick the best possible things for your situation. 00:05:40.148 --> 00:05:41.858 Independent firms can do that. 00:05:42.068 --> 00:05:44.528 Firms that are not independent cannot do that. 00:05:44.708 --> 00:05:49.658 So to sum it all up, independent means client first, best advice for 00:05:49.658 --> 00:05:53.798 the client, not what's best for the company first, and we kind of just try 00:05:53.798 --> 00:05:55.958 to fit it in to what the client needs. 00:05:57.123 --> 00:05:58.008 Riccardo Stewart: That was good. 00:05:58.248 --> 00:05:58.908 That was helpful. 00:05:58.908 --> 00:06:03.168 So if I start first with independent, The next thing is, we say is. 00:06:04.373 --> 00:06:09.083 We want, or you should have advice to everything your money touches 00:06:09.293 --> 00:06:11.273 and it should be integrated truth. 00:06:11.663 --> 00:06:14.003 Why don't you drop some knowledge for us and understand what does 00:06:14.003 --> 00:06:16.283 it mean by integrated and maybe, I don't know if you have experiences 00:06:16.283 --> 00:06:18.293 yourself and when it's not integrated. 00:06:18.413 --> 00:06:19.973 Um, I know you do. 00:06:20.033 --> 00:06:21.293 So let's hear. 00:06:21.298 --> 00:06:22.793 Let's hear what you have to say. 00:06:23.093 --> 00:06:24.083 Zach Miller: so integrated. 00:06:24.143 --> 00:06:27.953 I mean, when it comes down to your money, you have that one net worth, 00:06:28.193 --> 00:06:31.943 what kind of all your wealth that you have, that's your net worth. 00:06:32.273 --> 00:06:35.573 And then you have one effective tax rate, meaning you could have a 00:06:35.573 --> 00:06:37.943 bunch of investments, you could have a bunch of deals, you could have a 00:06:37.943 --> 00:06:42.443 bunch of income from the NFL, but all of that goes on that one tax return. 00:06:42.773 --> 00:06:43.943 So everything is. 00:06:44.188 --> 00:06:45.058 Together. 00:06:45.178 --> 00:06:48.388 And so your team has to work closely together and no 00:06:48.388 --> 00:06:50.428 decision you make is isolated. 00:06:50.728 --> 00:06:53.608 There's not little silos where this doesn't matter over here, 00:06:53.758 --> 00:06:54.868 and this doesn't affect that. 00:06:54.928 --> 00:06:57.028 Everything affects each other. 00:06:57.028 --> 00:06:59.608 And if you think about generational wealth, I. 00:07:00.308 --> 00:07:01.538 I mean, you're making 50 million. 00:07:01.538 --> 00:07:03.818 You have the opportunity for generational wealth. 00:07:04.148 --> 00:07:11.228 You have taxes, investments, insurance, estate, business, legal, philanthropy, 00:07:11.498 --> 00:07:12.908 and that's the whole nonprofit. 00:07:12.908 --> 00:07:17.678 All that, all of that is tied together, and so you have to have different 00:07:17.678 --> 00:07:21.098 positions just like you do on the football field, whether it's quarterbacks, tight 00:07:21.098 --> 00:07:23.018 ends, running backs, you have to have 00:07:23.033 --> 00:07:23.603 Jeff Locke: Kickers. 00:07:23.888 --> 00:07:25.298 Zach Miller: elite kickers. 00:07:25.898 --> 00:07:27.308 There's kicking game for sure. 00:07:27.598 --> 00:07:31.678 You have to have that entire elite team all the best at what they do. 00:07:31.678 --> 00:07:33.868 And one person can't do that. 00:07:33.868 --> 00:07:39.868 And so that integration of your team and how good they can work together, it, they 00:07:39.868 --> 00:07:43.438 can't be siloed and have, you know, one guy that doesn't talk to another guy. 00:07:43.438 --> 00:07:48.148 And I had a financial advisor at Merrill Lynch, smart guy, nice suit, 00:07:48.508 --> 00:07:50.578 you know, did well talking, um. 00:07:50.838 --> 00:07:54.138 And then I had another good CPA and they both did their part. 00:07:54.138 --> 00:07:56.688 They both did their thing but not together. 00:07:57.018 --> 00:08:01.158 The result of that is I paid two million more in taxes than I, than 00:08:01.158 --> 00:08:03.318 I, that I didn't have to because 00:08:04.058 --> 00:08:04.218 Jeff Locke: they 00:08:04.218 --> 00:08:05.128 Zach Miller: weren't together. 00:08:05.148 --> 00:08:08.298 They weren't working as one, and so let that sink in. 00:08:08.298 --> 00:08:09.618 That's not a rounding area 00:08:09.728 --> 00:08:09.948 Jeff Locke: error 00:08:10.188 --> 00:08:14.238 Zach Miller: that's bad coordination by my team that you don't have 00:08:14.238 --> 00:08:18.468 to experience if you have them all working together in that. 00:08:18.888 --> 00:08:19.308 Um. 00:08:19.748 --> 00:08:25.028 Fully, fully together, coordinated, cohesive unit, just like a football 00:08:25.028 --> 00:08:27.938 team that goes out on the field with the coaching staff that's 00:08:27.938 --> 00:08:32.318 all on the same page, all working together to ultimately win the game. 00:08:32.498 --> 00:08:35.438 Your team has to be put together to do that, and you can't 00:08:35.438 --> 00:08:35.528 Jeff Locke: do 00:08:35.528 --> 00:08:37.598 Zach Miller: that with just a guy over here, a guy over there, 00:08:37.598 --> 00:08:38.738 and hoping they get it right. 00:08:39.068 --> 00:08:42.848 You have to have that fully integrated team of professionals to make sure 00:08:42.848 --> 00:08:45.728 that you have the best chance of achieving that generational wealth. 00:08:47.193 --> 00:08:49.773 Riccardo Stewart: So we step back, we go first. 00:08:49.773 --> 00:08:50.913 It has to be independent. 00:08:51.338 --> 00:08:51.848 Right. 00:08:52.148 --> 00:08:52.628 Understanding. 00:08:52.628 --> 00:08:53.858 Who do they answer to first? 00:08:53.858 --> 00:08:56.858 Is it gonna be shareholders or is it gonna be you? 00:08:56.978 --> 00:08:59.318 And then when it comes to the options, you have to invest. 00:08:59.318 --> 00:09:00.368 I think Jeff said it best. 00:09:00.548 --> 00:09:02.348 Do you want the menu from the restaurant? 00:09:02.348 --> 00:09:04.178 And only the restaurant can provide? 00:09:04.418 --> 00:09:08.348 What makes me think that reminds me of Jeff, like being at this breakfast place 00:09:08.648 --> 00:09:12.278 and the lady came my son, my youngest at the time, he was like seven years 00:09:12.278 --> 00:09:13.868 old, how would you like your eggs? 00:09:13.868 --> 00:09:14.678 And he goes, what do you mean? 00:09:14.738 --> 00:09:16.118 Would you like him scrambled? 00:09:16.148 --> 00:09:17.378 Would you like him over easy? 00:09:17.378 --> 00:09:18.098 And he says, yeah. 00:09:18.098 --> 00:09:18.998 Uh, hard boiled. 00:09:19.598 --> 00:09:22.178 She looked at him and she goes, actually, we don't do that. 00:09:22.478 --> 00:09:24.818 And that's what it's like in the financial world. 00:09:24.818 --> 00:09:27.338 You, you think you're ordering something that's on the menu, but 00:09:27.338 --> 00:09:30.518 if you want something that's off the menu, you better be with somebody who 00:09:30.518 --> 00:09:32.558 is independent and then integrated. 00:09:32.588 --> 00:09:35.078 Jeff, what you're saying is you don't want an offensive coordinator 00:09:35.138 --> 00:09:38.558 who shows up on Sunday, who doesn't know the players, doesn't understand 00:09:38.558 --> 00:09:39.578 your strengths and weaknesses. 00:09:39.728 --> 00:09:43.808 Who begins the call plays, and a receiver who doesn't come to practice actually 00:09:43.808 --> 00:09:45.428 practice with a completely different team. 00:09:45.578 --> 00:09:47.168 So there's no true coordination. 00:09:47.963 --> 00:09:51.713 lastly, we get to a plan that's individualized. 00:09:52.073 --> 00:09:55.613 Sam, I, I, I saved this for you because you are the mayor 00:09:55.613 --> 00:09:56.813 and you're a man of the people. 00:09:56.813 --> 00:10:00.413 So the individualization of a plan is something I feel like you would get. 00:10:00.593 --> 00:10:02.243 So drop, drop some knowledge for us. 00:10:04.003 --> 00:10:06.638 Sam Acho: The best thing about an individualized plan. 00:10:09.173 --> 00:10:11.063 I'm gonna talk about the best thing, I think, why you 00:10:11.063 --> 00:10:12.233 deserve an individualized plan. 00:10:12.233 --> 00:10:13.013 I'll start with the story. 00:10:13.013 --> 00:10:13.373 So. 00:10:13.643 --> 00:10:17.453 Some of the work I do is at this as a WMI also work at ESPN and I wear suits 00:10:17.453 --> 00:10:20.633 oftentimes, and I remember going to Italy, this was about 10 years ago, 00:10:20.633 --> 00:10:24.833 and my dad, he, you know, he is a, a business guy, pastors of church, he's 00:10:24.833 --> 00:10:26.243 a psychologist, wears a ton of suits. 00:10:26.243 --> 00:10:29.063 He was like, Hey man, we're in Italy, we're in, I think we're in Milan, 00:10:29.453 --> 00:10:31.343 and there was this really expensive. 00:10:31.663 --> 00:10:34.513 Suit, and I was like, dad, I'm not about to pay, you know, X amount 00:10:34.513 --> 00:10:35.473 of dollars for this expensive suit. 00:10:35.473 --> 00:10:36.433 He is like, dude, trust me. 00:10:36.433 --> 00:10:38.023 Like you want to, you want to get this suit. 00:10:38.023 --> 00:10:38.623 It's like silk. 00:10:38.623 --> 00:10:39.733 It's like butter, et cetera. 00:10:40.093 --> 00:10:40.783 So I'm like, all right, cool. 00:10:40.783 --> 00:10:41.263 I'll get the soup. 00:10:41.263 --> 00:10:44.443 But mind you, I'm 6 3 2 60 Italy people, Italian. 00:10:45.133 --> 00:10:46.813 It ain't like that, but they had it. 00:10:46.873 --> 00:10:50.803 They had a suit that was like big enough that would kind of fit, 00:10:51.613 --> 00:10:54.193 it wasn't like exactly fitting. 00:10:55.148 --> 00:10:56.228 I was like, what do I do? 00:10:56.978 --> 00:11:00.038 thankfully in Italy where fashion essentially began, 00:11:00.368 --> 00:11:03.338 they had this custom tailor. 00:11:04.058 --> 00:11:08.648 Uh, essentially he was a, a man who was in his eighties, who for his entire life 00:11:08.918 --> 00:11:15.263 had been tailoring suits to fit people's bodies, individual people's bodies. 00:11:15.843 --> 00:11:17.888 Um, he was a master Taylor, excuse me. 00:11:17.888 --> 00:11:19.328 Gotta cut a master. 00:11:20.543 --> 00:11:21.533 Best in class. 00:11:21.953 --> 00:11:24.923 Well, so he, I got the suit, he measured my body, right? 00:11:24.923 --> 00:11:29.093 Master Taylor, didn't speak a lick of English and came back and a few days 00:11:29.093 --> 00:11:31.883 later, or hours, whatever it was, I got the suit, I paid for the suit. 00:11:31.883 --> 00:11:32.633 It was very expensive. 00:11:32.993 --> 00:11:37.523 Um, but I brought it back and when I put it on and say that it fit 00:11:37.523 --> 00:11:41.093 like a glove, like not only did I look different, not only did I 00:11:41.213 --> 00:11:45.113 feel different, but the way that I presented to the world was different. 00:11:46.058 --> 00:11:48.188 It wasn't a suit from big and tall wasn't one of those things. 00:11:48.188 --> 00:11:49.028 You get off the rack. 00:11:49.028 --> 00:11:53.108 It was individualized to my body and to my job, right? 00:11:53.108 --> 00:11:54.428 It was like, man, I wore that suit. 00:11:54.428 --> 00:11:58.328 I, I did stuff at, uh, at the White House wearing that suit with former presidents. 00:11:58.328 --> 00:12:02.048 I did stuff on ESPN wearing that suit, calling uh uh, traveling while I was 00:12:02.048 --> 00:12:05.978 playing individualized custom fit. 00:12:06.818 --> 00:12:08.228 Same thing when I was playing in Arizona. 00:12:08.258 --> 00:12:10.748 Larry Fitzgerald would always wear these custom suits, custom 00:12:10.748 --> 00:12:13.898 jeans, custom everything, and it had to do with who he was. 00:12:14.558 --> 00:12:18.698 so the benefit of having an individualized plan, a custom suit, not for something 00:12:18.698 --> 00:12:22.298 that's off the rack is that yes, it helps you feel good and look 00:12:22.298 --> 00:12:26.258 good, but it also helps go to the things that actually matter to you. 00:12:26.558 --> 00:12:29.768 I'm traveling for a game on, on, I'm on ESPN, I gotta go meet with 00:12:29.768 --> 00:12:31.388 this person or that dignitary. 00:12:31.708 --> 00:12:36.508 I need something custom and individualized to me, that's what a, that's what 00:12:36.508 --> 00:12:37.588 a, that's what you deserve, right? 00:12:37.588 --> 00:12:40.408 You talked about, Ricardo started this, this Congo of, hey, somebody 00:12:40.408 --> 00:12:43.318 who's made 50 million, 70 million, a hundred million dollars. 00:12:43.318 --> 00:12:46.498 Like, okay, you might have different, it might cost you a little bit more. 00:12:47.183 --> 00:12:50.603 It's worth it because the things you get back in return, what you can afford, 00:12:50.903 --> 00:12:54.383 what you deserve actually ends up paying you back more in the long run. 00:12:54.383 --> 00:12:58.973 And so when I think about something individualized or custom, I think that's 00:12:58.973 --> 00:13:02.934 what you deserve as a, as one of the, the best in the world or what you do. 00:13:04.663 --> 00:13:05.888 Riccardo Stewart: So to wrap it all together. 00:13:07.088 --> 00:13:10.058 You gotta make sure you got a plan that's independent, a team that 00:13:10.058 --> 00:13:12.458 answers to you, not to somebody else. 00:13:12.818 --> 00:13:15.698 You gotta make it, make sure it's integrated, that there's not loose 00:13:15.698 --> 00:13:17.738 ends, but there's clear coordination. 00:13:18.068 --> 00:13:21.488 And then lastly, you gotta have a suit that fits you for your purpose. 00:13:21.878 --> 00:13:26.198 So if your goals and you have a life that's planned for you, don't have 00:13:26.198 --> 00:13:29.618 somebody else's life, don't have a plan for somebody else's life. 00:13:29.648 --> 00:13:33.848 Have a plan that's uniquely tailored to fit your dreams, your desires, 00:13:33.848 --> 00:13:35.408 your priorities, and your goals. 00:13:35.438 --> 00:13:38.888 If there's anything we said today that you're going, I'm curious about that, or 00:13:38.888 --> 00:13:42.248 I wanna learn more about like what does it mean to be independent or any questions 00:13:42.248 --> 00:13:43.598 you have, please reach out to us. 00:13:43.808 --> 00:13:49.148 You can send us a text at 6 6 0 2 9 8 9 5 0 2 2.