Finance Unpacked: Closing the Advice Gap with Gareth Shears & Shane Hyland
Join your hosts, Shane Hyland and Gareth Shears, on "Finance Unpacked: Closing the Advice Gap", a podcast dedicated to demystifying the complex world of personal finance. Each week, Shane and Gareth delve into critical topics ranging from budgeting basics and saving strategies to smart investments and retirement planning.
Whether you're a financial novice looking to build a solid foundation or a seasoned saver searching for advanced tips, this show brings you practical, actionable advice, and the latest insights from the world of finance. Our mission is to bridge the growing advice gap, ensuring that everyone—regardless of their financial background—has access to the knowledge they need to achieve financial independence.
Tune in to "Finance Unpacked" as we explore the ins and outs of managing your money effectively, answer listener questions, and bring in expert guests to share their secrets on thriving in today's economic environment. Don't let the advice gap hold you back—start mastering your financial destiny today with Shane and Gareth.
Finance Unpacked: Closing the Advice Gap with Gareth Shears & Shane Hyland
Exposing Instagram Earnings, Tackling Investment Risks, and Challenging Consumption Habits
What if you could earn millions with a single post on Instagram? Picture yourself having the influence of Ronaldo or Justin Bieber, with hundreds of millions of followers hanging on your every word. We're pulling back the curtain on the astonishing earnings of Instagram's biggest names and exploring the impact of star football players on brand perception and ticket sales. Ready to find out what it takes to be a world champion? Stick around for some valuable tips.
Picture this: you're offered a chance to invest in something - a sports team, a digital currency, an esoteric market - but you know nothing about it. Would you take the risk? We're diving deep into the complex world of investments, illustrating the potential dangers of cash investing, and discussing the volatility of bitcoin. We also delve into the world of Non-Fungible Tokens, shedding light on the perils of uninformed investments. Don't miss our practical insights on mitigating risk and maximizing your ROI.
Have you ever stopped to consider how much you really spend on coffee or other little luxuries? We're challenging your mindset on consumption habits, questioning the necessity versus the want for these purchases. As we wrap up, we'll expose the pitfalls of Black Friday sales and help you outsmart the hype to ensure you're getting the best deal. It's time to be more mindful of your consumption habits - after all, every penny saved is a penny earned.
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Free budgeting spreadsheet below.
Stay well, stay motivated and most of all stay educated.
https://www.sanfp.co.uk/
Recording Equipment
📘 Our Book
🎙 Podfollow
❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here
🏠 The mortgage Course
📰 Budgeting Spreadsheet
I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.
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Hello and welcome. Today we're going to chat about the 2022 Instagram Rich List, football and, more importantly, brands and associating with those Instagrammers. Absolute return funds, reasons to be in stocks or equities and not in cash, even after the latest interest rate hike, and, lastly, a tip. So stay tuned, listen and enjoy and just like that bang, we're back again.
Speaker 2:321. We're back in the room.
Speaker 1:Is that your phone going off, honestly?
Speaker 2:Joe, is my phone going off. Sorry, I'll silence it. That's bad timing.
Speaker 1:I didn't play golf last week.
Speaker 2:I have weather's been appalling. Hello Wins when summer coming.
Speaker 1:We're in August and you look out the window in the middle of August and it feels like it's October.
Speaker 2:Generally feels like it's winter. I said that the other day.
Speaker 1:The golf has been put to bed. I think we were actually chatting to a golfer this morning, weren't we? Yeah and he actually admitted that kind of the golf season is nearing its end. It's there's a few weeks left and that's kind of it.
Speaker 2:Especially some of these courses. Yeah, I certainly don't like playing in wet weather, so I'll have to.
Speaker 1:I even use sport. I want to take a couple.
Speaker 2:Oh you ego. Is this the one you're going to be world champion at?
Speaker 1:I'd like to see how far I can get. I think I've never tried it, but I'd like to give it a go and I don't know how much work is involved and all that, but I quite fancy.
Speaker 2:I don't think any of them involve you just turning up for an hour a week and playing. He's going to make you world champion. You've got to put a little bit of time in, actually devote most of your life to it.
Speaker 1:I stood on one of their pitches yesterday First time ever in Cardiff. It was an old one, so it wasn't being used because the grass had come up the land that feels.
Speaker 2:Okay, I remember playing so by my, actually the school your son's going to. I don't know if they still got it there, but they had a bowls team played there.
Speaker 1:It's bowls, by the way. I want to become world champion out of 36 months.
Speaker 2:They actually had a club there, because my auntie and uncle used to go and play there.
Speaker 1:I fancy giving it a go now. I think I'd be okay. I think I'd be okay. May have to stretch the hamstrings a bit more because that.
Speaker 2:I'm not sure you are Hamstrings. Okay, I know it's a long way down Ping. You're like you've been shot by a sniper.
Speaker 1:No, no, because it's. You'd be bending down the. Yeah, it'd be okay because the right foot you're bending down further, it's okay.
Speaker 2:It's just a concept of there isn't a lot of you could do a session in the gym before, don't you dare say there's no skill to it. No, there's massive skill.
Speaker 1:I know it's huge, it's huge skill, yeah, but I'm looking at it in the same way as you would look at a golf putt. You just have to eye up where the turns on that and on these grasses pitches. I don't want to call even yet. There's not going to be much undulation, I think on the indoor ones maybe. So you just have to kind of understand where to throw the ball out. It curls in, doesn't it?
Speaker 2:So it depends on which they're weighted on they, so I have no idea, I'm starting from, so that's what they have different colors on either side, I think the colors on your side, but they're weighted so that they're larking and acting, things like that.
Speaker 1:The only thing I've done is seen it on TV a few years ago and I think just retirement were sponsors. I reach out to them and say, look, help me, come on, let's move on.
Speaker 2:Right? Do you know what I've done? Come back to this when you will champion 36 months.
Speaker 1:I want to see how far up the ladder I can get. Bet you it'll be. You know, west Cardiff C2 champion.
Speaker 2:I'm not even commenting.
Speaker 1:I've got one for you now. I found this the last day the 2022 Instagram Rich List. Wow, why people go on there. I'll tell somebody at the end. Yeah, don't worry about that. Who is the highest number of followers on Instagram?
Speaker 2:Ronaldo.
Speaker 1:Yeah, any idea of number?
Speaker 2:Oh, is it something like 200 million? Something silly like that.
Speaker 1:No, it's more.
Speaker 2:Is it more than that?
Speaker 1:Double and more.
Speaker 2:What do you mean? 400 million? 442 million 442 million Instagram followers.
Speaker 1:Yeah.
Speaker 2:And this was the. How commercial, must that be Right?
Speaker 1:Go on Per post. How much yeah you can see. Per post how much it's saying this is the 2022.
Speaker 2:What he charges.
Speaker 1:He earns, he charges, I don't know how. Per post.
Speaker 2:It's got to be a few million innit.
Speaker 1:Go on, give me a number.
Speaker 2:Five million.
Speaker 1:No, no. It adds 2.397 million dollars per post in 2022.
Speaker 2:Per post that's why he estimated monetization of his posts. He posts that often, though I don't follow him, so I have no idea.
Speaker 1:I was like, wow, that's big money. And then you've got Kyle Jenner.
Speaker 2:Selena Gomez Messi.
Speaker 1:I want to touch on Messi in a minute. The Rock Love the Rock, beyonce, chloe Kardashian, taylor Swift.
Speaker 2:The British people Justin.
Speaker 1:Bieber, do you?
Speaker 2:know actually, as of today, do you know how many followers Chris DeGaun and Ronaldo actually have on Instagram? Go on 600 million.
Speaker 1:So this is 2022 and you had 442.
Speaker 2:He follows 566. Wow, as of I literally I'm looking at it now he's got 600 million followers. That's just mental and like for example, when he posts a reel which is like a short video for anyone who's been stuck under a rock for all their lives, but a reel on Instagram, so you'll get 30 million views on a reel.
Speaker 1:It's you know 170 million he's crazy.
Speaker 1:Here's one then. This is going to follow on. I started going down at Rabbit Hole then the other day and looking at this, and I started looking at the biggest football clubs in the world and one of them, the most well-known. Well, they call it soccer clubs, because this is an American. They're not just sports teams, but global brands that command attention and loyalty from fans worldwide here at the top 20. Now, at the moment this was I think last year you got man City, number one, you got Real Madrid number two, barcelona three, man United four, liverpool five, paris San Germain six the normal people and the money that they're valued at. You know you're looking at $1.5 billion.
Speaker 2:That's the value of the club.
Speaker 1:How do?
Speaker 2:they value that.
Speaker 1:I have no idea, but interesting point touched earlier.
Speaker 2:Did they actually make money in these clubs, or do you think they were particularly profitable?
Speaker 1:The most pay. They must. Somebody must be. Well, I know man United, me are Lasers took loads of money out they, they leveraged it with loads of debt and took loads of money. That's the issue at the moment. But these top 20 clubs in the world right, they're predominantly Italian, spanish or British or German. What isn't included in there is an American team and into Miami, and Beckham, years and years and years ago, bought our boat. In his contract, I think, had the right to buy.
Speaker 2:Was that his contract when he went over there? He had first refusal.
Speaker 1:He was allowed to buy an American MLS franchise team for 20 million dollars and everyone thought he was mad. Bought it, got Messy to come and play for them. I think there was an issue with Inter Milan who Objected to the name Inter Miami because they had seven million followers, or something, on Instagram. In four months into Miami Got ten points, seven million followers, like that. The cost of the these tickets went from thirty dollars to four hundred dollars. Messy has now been touted, is going to be top score. He scored three or four game goals already. So is he coming out to retirement? There was he. He's not far away, but just his presence alone he's just selling so much kit is unbelievable. So it is global brand. You know, you align the right person the Ronaldo, the messy with the team and everyone just supports that team anyways, whether they're successful or not, I have no idea how far up or down the ladder they are in the league and this is a big point.
Speaker 2:Right is the and this is the problem with Welsh rugby, not to go into this that we have no stars.
Speaker 1:Wow, we've gone from Ronaldo and Messi to Welsh rugby.
Speaker 2:Yeah, because we have no stars, because I remember when Cardiff brought John Lomu here they filled the stadium. No one was no one's turning up to watch what the rubbish rugby we play and the fact we got no players. People won't come on. But I don't just kind of saying you're talking about that, but if you can look at, that's the problem with a lot of clubs these days.
Speaker 1:I didn't want to mention Welsh rugby, when you lost to England or 12 players, but that's, that's an aside, that's ridiculous.
Speaker 2:I'm not gonna need that but no, that was just.
Speaker 1:That's just an example of mr.
Speaker 2:Gatland wasn't happy. Furious, I think, was I think it was furious human, human, human, tampon raging. How can? Any ways anyway we're not going to that. I know it's just, it was just more so. The kind of this is the reason why I think a lot of sports struggling Now.
Speaker 1:I think I, because there's no stars yeah and I think, going back to what you touching at the other Welsh thing, is it a thing that the Welsh players Did not understand the wording that was asked of them? You need to do this and they didn't Perform their roles because they didn't understand it. Potentially, because that leads on to me, I found something the last day. I'm not going to go into it in detail, but there was a Post in one of our papers last week Absolute return funds, hit by the most losses in in years and every let's. Not we won't dive into it today, but to the normal, to the normal Joe public, they're reading that absolute return funds.
Speaker 1:I think it would call me that is going to be. I'm gonna call it guaranteed return.
Speaker 2:Yeah, that's what people think absolutely.
Speaker 1:That is the big issue. If you don't get proper guidance, advice they were people may buy something like this. I think there is absolute and guarantees in it, but some of these one of them, it said this includes a fall of close to 20% in 2022. So there is a fund that says absolute return which has fallen by nearly one fifth in a year alone. It is ludicrous.
Speaker 2:Yeah, I yeah, because your mind automatically thinks that that's kind of what it is and it's, and they probably effectively being Dressed up to be like a guaranteed type of fun.
Speaker 1:I think it's just. It's highlighting the fact that the Educational system, in terms of finance and the understanding, is just not there and there needs to be a total realignment of Education understanding behaviors, habits, yeah, and and understand the consequences of buying crap like that and thinking I Thought it was this. You know, you know, you may, you, you do lots of research before you.
Speaker 2:Go into the internet, it comes back to everything doesn't make. All comes back to greed, doesn't? Everyone sees a certain word and certain type of investments which they think can make them a lot of money. It's like these things, like people invest in whiskey's cheese, cryptocurrency, bitcoin, all that type of stuff. They're investing in things they don't really know about.
Speaker 1:Don't get the investing whiskey and wine, because if I wouldn't invest in wine because I don't like wine, but if you, if you were somebody that liked wine, you probably would invest, but then do you really know and, like wine, like we you got a client in the other day or actually really knows his one stuff doesn't yeah, now, you kind of understand, and he does invest in wine.
Speaker 2:Yeah, but, but he understands it and it's but by having a. Having a glass of wine on a Friday night does not make you an expert.
Speaker 1:But I wouldn't invest in it because I don't like wine. But if you do like wine, you may invest. But does that go against the grain? Because if you do like wine, you invest in it.
Speaker 2:You go, that's a really good bottle. I'm going to open it, but if you're going to invest in wine, it really should only form potentially 5% of your portfolio. So then you diversified your risk.
Speaker 1:Or 3% after you drink some of it.
Speaker 2:Yeah, but I don't have an issue with people investing in some of these effectively esoteric investments.
Speaker 1:In reality, If they understand it.
Speaker 2:Yeah, but what it shouldn't be is an all cards on the table, all the chips in.
Speaker 1:Yeah.
Speaker 2:Because it should be potentially 5% of your portfolio if you're going to be doing it. So if you've got 100,000 pound, it's five grand. You can commit to that. But if you're only going to have 1,000 pound, you probably shouldn't really be bothering. But if you're spending that much money, shouldn't be putting all that 1,000 pound into it, which is what people do.
Speaker 1:Imagine if you're spending that much money on wine, as that example, do you have to have a seller or a place that's going to keep it cool?
Speaker 2:Yes, you do, do you have to?
Speaker 1:then twist it every two months, three months, to make sure that the sediment and all that you have to have a knowledge, you could have stored the bottles properly.
Speaker 2:I'm not a wine expert, but I'm sure if you spoke to your client he would tell you this is how you have to do it. These are temperature Because he has a wine seller doesn't he?
Speaker 1:Yeah, yeah. And we know another guy in London who has one as well. But, as he said, he got fond of when he set the business up, didn't he have tasting most of the profits or most of the bottles himself? He was his best customer. I think he's spending so much money in it, is that?
Speaker 2:really, when you really look at it, Because I think he looked at something like that and that's the problem with a lot of people to invest in Is that they've got 1,000 pound and they think I've seen that it says there's going to be a 12% return on that. I'm going to do that, but actually it might get a 12% return. Certainly isn't guaranteed, but you probably have to hold it for a long time for it to make any money. And then is it really worth the risk of what you're doing with the only money you've got? I see, if it's 5% of your portfolio, I can wear that.
Speaker 1:Yeah, yeah, no, that's true, it is true, I can wear that, but only investing things you actually really understand. Yeah. So that's come back to football owners. They shouldn't invest in football games.
Speaker 2:I see there's no guaranteed returns in life whatsoever, apart from three things.
Speaker 1:I know two of them.
Speaker 2:Drugs, firearms and a Ponzi fraud, and they're all illegal. They're the only real way to guarantee returns.
Speaker 1:Which probably everyone has invested in without them knowing. Probably not the third one, probably not the third one. Yeah, not the.
Speaker 2:Ponzi scheme. But they're probably like, if you look at general, there will be some sort of whether it's in military hardware and things like that.
Speaker 1:Drugs can be farmed. Drugs can be pharmaceutical Put that to pharmaceutical, yeah, do you know the other thing? I've found here Reasons to be in stocks, equities and not cash after the bank's latest rate hike, because everyone seems to be now oh, I'm going to get more interest. And I read this Investors have become more interested in cash in recent months after interest rate hikes made it increasingly attractive to park money and savings accounts after the Bank of England took the base rate to 5.25% at the 14th hike in a row and the highest since 08.
Speaker 1:But there's people saying maybe cash is not exactly where it should be, because one if you do nothing, it said it will cost you. And let me give this example the impact of holding cash can have in times of high inflation. The latest figures from the Office of National Statistics show that inflation rose to 7.9% in the 12 months to June this year, sixth highest In wealth terms. This means investors would need 10,790 pounds today to buy what would cost 10 grand just 12 months ago a 790 pounds loss in purchasing power, which people don't understand. They don't grasp that concept at all.
Speaker 2:You never really saw it before, did you? I think that's the big thing Probably. That's a great point you never really saw it, but now we're actually seeing it. I think this is where the difference is. You are seeing it. You go to, as the test goes, mcdonald's, whatever it might be. You're now starting to see the squeeze you gas, electrics, the water, those prices are going up. I think inflation has always been there, but I don't think we've really ever seen the effects of it as we are now.
Speaker 1:Not when I was as low.
Speaker 2:People didn't understand it, because things weren't moving, if you remember. Because, if you look at a lot of companies now and a lot of police now have seen, after keeping our prices down low for five years or so, we now decide to put them up and that's what's happened. Is that's why you're seeing things going up 30%? Because they've left it so long.
Speaker 1:Yeah.
Speaker 2:So, instead of it being gradual, it's now becoming painful.
Speaker 1:Yeah, I spoke to somebody today and they've left their rental of some of their offices at the same price that they left years ago when they initially started. And I worked it down to the price per hour and it was horrendous and I said you're almost like a charity giving it away. So I know now, with a little help from us, they're going to say, hike it up, but they're going to put it up to the real value that it should be and be profitable for them, because they're almost like a charity at the moment.
Speaker 2:You've got to be having news because, at the end of the day, your rental business is giving a service. So we're not charities and it's so easy to follow. We've done it in the past.
Speaker 1:Yeah.
Speaker 2:And you kind of think you help people out and actually sometimes by trying to help people out, by keeping your prices low, they don't really care. No, do you mean? And the danger is, when your price too low is, you do get rubbish come through the door.
Speaker 1:There was another thing there the return of global equities investment versus if the best 10 days in the markets were missed out and it done it from 1999 and the 10 best days missed out in an investment 1999 to 2023, you're looking at about 20 grand of return by missing out the 10 best days in the market, if that's how much? 10. So doubled. If you had left it there, so you'd include the 10 best days in the market. It's quadrupled. So you're basing on from 10 to 20. If you try and take it out.
Speaker 2:I'm not trying to time the market. I'm 40, if nothing. The fastest way to destroy your wealth.
Speaker 1:It's unbelievable. It's the again. It's going back to the behaviors of people of going when you get something done, it just has to stay there. So you're going back in the 5% of the wines and that you know you can't put a shed load of money into something like that because you're not going to leave it there for a 20 year period. So that's how long you probably need a bit like a market, to see massive return.
Speaker 2:Yeah, exactly that, and that's the thing with the things you know like everyone's gone on a bit. Oh, I invest my money in crypto.
Speaker 1:That's gone very quiet.
Speaker 2:And you know it's now, because cryptocurrency wasn't meant to be sending a trade.
Speaker 1:Have you still got yours? Yeah, I should have a look. Yeah, yeah, yeah, come on, I still got the app. I didn't know. I noticed I chatted to you the last day, when we're chatting.
Speaker 2:here we're talking.
Speaker 1:Sometimes we.
Speaker 2:It logged me out last time.
Speaker 1:We use hand expressions or something like that, and there's pauses when. So we got to keep talking, but you're on your phone now having a look. What did you put into it? A hundred quid Three hundred quid.
Speaker 2:I think this is the issue I had. I mean, just have a look, it's logged me out somehow. I have absolutely no idea what my logins are.
Speaker 1:Oh, it's like the lad in Newport losing the login details. It's probably worth about 50 grand now.
Speaker 2:Yeah, the problem is I don't know whether Some of these things have a special code. Then, if you get back into, I bought 300 quid and I think the last time I looked at it the lowest it went was like 60 quid, something silly like that. 67 quid I think my 300 pound went to, just to kind of show you how volatile it is. I think it was last off it's back to like 160, 170. I'm still 50% down.
Speaker 1:So like that, 300 quid. If you add one zero you're three grand, if you add two zeros, you're 30 grand, if you add three zeros, 300 grand.
Speaker 2:Well, that 300 quid could have been 300,000 pound fragments.
Speaker 1:And it went down to 60 grand 60,000. Wow.
Speaker 2:That's big money. But then you think the growth it had to return itself back to over double that or triple it nearly.
Speaker 1:Five times the return.
Speaker 2:Yeah, it's huge, isn't it? But yeah, so I'll try and log in for the next time. We kind of go on there, but let me show you what the cost of bitcoins are. So yeah, we'll do. Here we go. Let's have a look at the volatility of bitcoin over the last year. So it was down as low as £13,000, but it's now at 23183 today. But in a year, it says it's gone at 20.63% in one year.
Speaker 2:Okay, at a at a full time. 27,900, 27,000% return since inception. Yeah, I do. If you're in there at that point you'd still be massively up. It's crazy.
Speaker 1:Crazy numbers.
Speaker 2:But I don't know. I can't even remember what email address I've logged in with it in. Like, I'll have a look, I'll see if I can do it and I'll give you an update on exactly where my money is.
Speaker 2:I've never been getting that back out as it is. No, this kind of what I'll do. I'll wait for it to get back to 300 and I'll put it back out. I'll close the account. It just shows a little bit of what it's like and why it is very risky. You know, investing equities has a level of risk to it. Investing anything has a level of risk to it, but there's more of a controlled risk to a well-diversified portfolio of the great companies of the world, not crypto, which you don't really know what it is.
Speaker 1:Nobody does it, do they? I don't even there's other. It's like NFTs. They've gone from quiet. Now yeah.
Speaker 2:Non-fun. Was it non-fungal tokens or what they?
Speaker 1:call. You know that thing. We have the informed, uninformed risk of what's working now. You know, crypto was the thing at the time. Everyone jumped in. Those that were in there earlier probably jumped out because they saw that are high. They're laughing now. It's just, it doesn't work.
Speaker 2:Yeah, some people are held and some people are. Hey, don't get me wrong, some people will probably change their whole life by investing there, but that is 100% luck. There's been no skill to what they've done. I'm happy for anyone to challenge me on that, but I bet if I look to how they've done it, it'll be luck more than actual skill.
Speaker 1:I'll finish up. Look tip last week. I can't remember what I talked about. Here's an idea when is a sale not a sale, right? We're four months out from Black Friday, right?
Speaker 2:Here we are, oh, here we are something like that.
Speaker 1:isn't it November? And how many times it's early, are we?
Speaker 2:doing it yeah.
Speaker 1:Do you get this ping of notification that the sale is going to start and it's going early and we all throw money into things that we don't need. So here's an idea the next week or two, whatever you need want go out, go online, take some pictures, screenshot it and keep an eye on that for the next few weeks. It's only 15, 16 weeks away from Black Friday. When the sale comes on, check what your picture said and guarantee you there's probably a very, very high chance that the sale price is not much more different than when it was.
Speaker 1:So it just kind of proves that the sale isn't the sale and it may make you change your behavior of just wasting money because something might say this was this amount, it's 50% off now and you buy it, never to take it out of the Amazon box maybe. So when is a sale? When you need something and you've been following it for many, many weeks and you see it go down dramatically, not when somebody just says it was at a higher cost. What is it for the three or four days in September that we can bang reduce it by? Take a picture of it now, be it online in a shop, save up for it, and if it does get reduced, then you know it is a sale. Is your phone going again? You're just popular today.
Speaker 2:Somebody's trying to sell you something. It doesn't stop. But you know, that's right, it's kind of it's all a game, it's all a scam. It's all there to play on people's emotions.
Speaker 1:Feel good. You know, cost of lifestyle, we go on about it, but when they ping you notifications all the time, we've seen this. We think you'd like this.
Speaker 2:It's interesting. Actually, you used the word need and want just then, in that I was listening to something Stephen Bartlett put out today yesterday no, actually it was on it.
Speaker 2:So he released his behind the scenes of Diary of CEO, part 2, yes, the on YouTube. I was watching it and he actually made a comment that I need a coffee and he was like no, stop. I shouldn't say that we all say we need it. It's not the fact we need it, we want it and that's what we got to change. The mindset he said is that I want to go and buy that thing, I want to have that coffee. I don't really need anybody, you don't need to have coffee to function. It's a mindset which says you need coffee every morning before you get going. No one needs anything apart from water.
Speaker 1:Really when you're going to get more, a bit of food, but I want to go there.
Speaker 2:You need to change your mindset and say I want it's actually something you want. It's not that you need it because you need to become dependent on it.
Speaker 1:It's like my caffeine. Yeah, absolutely. And that's it, do you mean? There we go.
Speaker 2:See you next week.
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