The Get Ready Money Podcast

The Get Ready Money Podcast with Alissa Maizes: Amplify My Wealth

• Tony Steuer

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On the latest episode of The Get Ready Money Podcast, I spoke with Alissa Maizes Founder of Amplify My Wealth about changing the way we think about money and amplifying our wealth. 


In this episode we discussed:

  • Why you need to amplify your wealth.
  • Creating habits over time will help you change your money mindset. 
  • We are all worthy of success. 
  • The importance of a financial check-up.
  • Overcome shame by changing your money mindset. 
  • Make your own decisions. 

Alissa Maizes is an award-winning financial literacy content creator, is a licensed attorney and registered investment advisor who provides women and young adults with financial advice and a plan to embrace the life they want. Whether sharing financial literacy content or advising clients of Savvy Ladies with pro bono advice or clients of her firm, Alissa meets you wherever you are on your journey, whether living paycheck-to-paycheck and striving to eliminate high-interest debt or are already a millionaire. Alissa's approach eliminates the traditional "waiting game" for clients who cannot afford to have a fiduciary financial advisor putting their needs first, providing trusted financial and investment advice and guidance to implement their plan to ensure they achieve the life they want sooner than you imagine.

Connect with Alissa Maizes:

Website: http://amplifymywealth.com/

LInkedIn: https://www.linkedin.com/in/alissa-krasner-maizes-amplify-my-wealth/

Instagram: @amplifymywealth - https://www.instagram.com/amplifymywealth

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Speaker 1:

Are you looking to get ready, be prepared and transform your financial future? Then you've come to the right place. This is the Get Ready Money Podcast with Tony Stewart, where Tony has insightful conversations with financial experts who are changing the way we think about money. Catch up on the latest financial trends and hear practical advice from Tony and his expert guests so you can build healthy habits that work, Be empowered with tips for implementing small changes that can have a big impact on your financial future. So sit back and get ready to hear from today's guest.

Speaker 2:

Welcome to the Get Ready Money podcast changing the way we think about money. I'm pleased to be joined today by Alyssa Mays. Alyssa is a founder of Amplify my Wealth. In this episode, we'll be discussing how we can change the way we think about money and amplifying your wealth. Alyssa, welcome to the Get Ready Money podcast.

Speaker 3:

Thank you. It's great to meet you and I'm so happy to be a part of your community and to discuss everything about money with you.

Speaker 2:

Yeah, well, I'm excited to have you. I mean, you're putting out some great content. I'll just give a shout out right away to your Instagram channel for anybody watching and listening. There'll be a link to Alyssa's Instagram channel. So to get started, tell us a little bit about yourself.

Speaker 3:

What is your origin story? So I loved personal finance since I was a kid. I actually remember being a teenager and reading personal finance magazines, going to the corner candy store, grabbing them, reading about them. I was always someone who loved learning anything practical, and so money was that perfect topic for me to read up on. And through the years, my friends and family would always come to me and pick my brain about all different things financial and money related, and over time I realized that there were more and more people that really needed financial advice and that the best way I could do that is to be a financial advisor, so I could actually give advice to people besides my family and friends. So that's sort of how I got to where I am now.

Speaker 2:

That's awesome. Unfortunately, when I was a teenager, I was reading comic books, so I didn't start out that early with money myself. But that is awesome Because I think that is something you know that money is important for kids to learn about. So it's great that you know that you had that interest early on, because I think that's just something we need to talk more about, about kids and financial literacy. So, to start, let's find out a little bit more about what you do. Could you tell us what is a fee-for-advice-only fiduciary advisor?

Speaker 3:

So first of all, I you know I pride myself on being a fiduciary. A fiduciary is someone who pledges to put their clients first, to be transparent, to offer confidential advice. So if there is any conflict at all even if there could be a conflict I always need to disclose that to my client and I'm fee only and do not charge for assets under management. I don't sell insurance or annuities, so when I'm giving advice to my clients, there's no chance that I could profit from it with respect to how they act on it. So if I recommend that they get life insurance and they get it, it doesn't impact my finances one way or the other. So it removes that potential conflict of interest.

Speaker 3:

As an attorney, I'm not too surprised that this is how I would see things and want to do things, to be completely transparent and remove that conflict, as that's something that was always important to me, even before I went to law school. I want people to think of me as their trusted advisor and not someone who could potentially benefit. That doesn't mean that people who do benefit are not trusted, but I am making an effort to remove that conflict and put them first. So I do charge a fee for advice, only just to clarify what that means.

Speaker 2:

Oh, awesome, and could you go a little more into maybe giving us an example of what a conflict for interest is. A conflict of interest is.

Speaker 3:

So a conflict of interest would be, for instance, tony, if I, you know, recommended that you get something and I, for instance I, for instance, could somehow benefit from it. So there have been situations where people have offered me a fee if I recommend clients. So, for instance, one person did that and I reached out to them and said I could never accept that fee. I have no issue if I think you're the best suited person, or one of them, to recommend you for a client. So in that case, tony, what I did was I actually spoke to the person. I said I'd like to pass your fee that you would give me and give it to my clients instead, and the person said great to them.

Speaker 3:

It didn't matter one way or the other. So if I ever recommend it happens to be a website designer If I ever recommend her to someone, she will pass the fee onto them if they use her. So that's how I removed the conflict of interest. And so the conflict would be like I said, if I were to benefit from it. And to me it was really important that you could trust that I'm never benefiting, other than something, that maybe you're giving me the fee for advice, but that's something you know that you're paying for.

Speaker 2:

And that's awesome. I'm so glad you gave us that example, because I think that's so important for people to think about when you are getting advice. If you're us that example because I think that's so important for people to think about when you are getting advice, you know if you're getting free advice, there's no free advice available. You know is what you know how is the person getting compensated? I think is such an important question Is there's, as you point out, there's nothing wrong with advisors who receive commissions or AUM or you know some combination, but it's just good for you as a consumer, to understand how your advisor is getting paid and also, as an advisor when you're working with other advisors, to understand their compensation system when you're referring clients to them. So that's, you know incredible, incredibly helpful stuff for people to understand. You know incredible, incredibly helpful stuff for people to understand. So you have a legal background. What kind of unique insights do you have on financial planning due to the legal background and perspective?

Speaker 3:

So I find that I definitely, you know, have to step away from the legal to some degree, because I do not give legal advice. I am a licensed attorney but I'm not practicing law. So I have always felt, even when I was practicing law, that you are always best suited to work with experts, in whatever field that might be. So, for instance, I understand estate planning more than most people do because of my legal background as well as a financial advisor. But absolutely I think that people should get their advice with respect to estate planning from an expert estate planning attorney. So not just an estate planning attorney, but someone whose expertise is estate planning, because there are some people who do estate planning but it's not the expertise, and I do think an expert in whatever you need advice on is essential.

Speaker 3:

So I see everything through the legal lens, but I will not give legal advice, where I do find that sometimes financial advisors that don't have a legal background do give legal advice, which kind of blows my mind because they have no legal education at all and they're giving legal advice all the time. So I think I'm much more mindful of that, because I would definitely not want to have what I share with someone misconstrued. So instead we discuss the different topics and I see it through the legal lens as well as the financial planning lens and then I help create a team for my clients of the right people. So if they need estate planning, we work on it together, whether they know people already and we work with them, or they're looking for someone to help fill whatever their legal needs are.

Speaker 2:

Well that that is awesome and I think that's such a wonderful advice for people to find people who are qualified in specific areas.

Speaker 2:

You know, I think when we file our taxes, we do know that we need to go to an accountant for filing our taxes, but in some of these other areas it does get a little gray. So and it's your right, if you're paying for an advisor, to ask them you know what their specialty is, see if they have that specialty, and also, as an advisor, to be careful to not overstep the line, because not only are you doing a disservice to your clients, but you know you're giving you, putting yourself in legal peril by acting outside the scope of your qualifications and experience. So you know, I won't dwell on that too much because we could do a whole podcast about that staying within your scope of expertise. But you know I won't dwell on that too much because we could do a whole podcast about that staying within your scope of expertise. But you know, let's talk a little bit about financial planning. How does a financial plan empower people?

Speaker 3:

Yeah, so a financial plan to make sure where they are, are they reaching the goals that they thought they would reach? And so I love the idea of a financial checkup, at the very least for people to have that, because it gives you insight from an expert, it gives a second set of eyes. If it gives a second set of eyes, if you're the only set of eyes, let's say you're DIY or in some cases, you might be working with a financial advisor and it's sometimes good to get a second opinion. Sometimes we go to a doctor and we know we're doing well, but once in a while we like to get a second opinion. With that, it's the same idea. Our financial health impacts our future, what we can afford, the lifestyle that we live now and in the future, and it also impacts stress, confidence and so much more. So that, to me, the plan gives you that ability to check in and make sure everything is okay gives you that ability to check in and make sure everything is okay.

Speaker 2:

I love that a plan gives you the ability to check in and make sure everything is okay, because I think you know we oftentimes miss that. And, as you point out is, that second opinion is so valuable is because you know sometimes it's hard to see the tree for the forest. So, even as financial professionals, you know financial professionals also talk to other financial professionals about their own personal money, so it's always a good idea. So think about your own personal expertise and you know, if you ever backstop it by doing more research or talking to people, that's awesome advice. More research or talking to people so that's that's awesome advice. So you know your tagline is amplify my wealth. Can you tell us what does it mean? Why do you say amplify my wealth?

Speaker 3:

I think it's important for people to, wherever they are on their journey whether they're living paycheck to paycheck, they're eliminating debt, or maybe they're already a millionaire a paycheck, they're eliminating debt, or maybe they're already a millionaire to think amplify my wealth. That they can do that. No matter where you are in your journey, you can increase your wealth, and I think it's an important part of changing the money mindset that a lot of people have that they think, oh, it's for that person, it's not for them and that they are not worthy of it or there's shame around it. And to remove that and instead think about is something that is attainable and so it could be. For instance, you're living paycheck to paycheck.

Speaker 3:

You're trying to eliminate wealth, eliminate debt sorry, not wealth, definitely not that but you're trying to eliminate debt, and so for some people it's very overwhelming to have especially high interest credit card debt, and so they might not see that they really can. Just by eliminating some of it a little at a time, they're increasing their wealth. So normally, to assess your net worth, which is your monetary wealth measurement you would look at all your assets and then subtract your debt, and so every time you subtract the debt, but then you have less debt to subtract, you're actually increasing your wealth. And I think a lot of people, because their mindset is so set on whatever shame or overwhelmed feeling they have around debt, they don't even see it from that standpoint, and so that's why I think it's important that everyone realizes that, no matter how big the step you take, it can still make a big difference in increasing your wealth, and each step together makes the difference that much bigger to increase your wealth.

Speaker 2:

That's awesome, and I mean you said so many things that I think are so powerful, as you know that we are all worthy. But also, you know so many people feel shame around their money. Is you know? Do you have one quick piece of advice on how people can overcome some money shaming?

Speaker 3:

Well, I think the most important thing is to work on your money mindset, and that's something I always work on with clients, because they are often creating barriers to their wealth that they don't even realize, and so whenever I start working with a client, I actually it's something I work on. Dr Klontz Brad Klontz developed a great financial money script inventory and I I use that tool because it gives me immediate insight that I can discuss with a client and once they understand that there are some barriers that they might be creating, we then work on creating a plan and working on the habits that they develop and through the positive habits, they change their money mindset and it's the most amazing transformation I've seen it happen, and it's important that people realize that you can change your money mindset. A lot of people think, oh well, this is how I was raised or these are the thoughts I have and this is how it is. It is now, but it doesn't have to be forever.

Speaker 2:

That's awesome. That's great advice and, for people who are watching and listening, I'll put in the link to Dr Brad Klontz so you can read more about him. But I think you said something positive habits are so important to any change. So you know that's powerful advice, you know. So one of the things you talked about is simplifying your finances. Why is it important to simplify your finances?

Speaker 3:

It's important to simplify your finances so you're not overwhelmed. Finances don't have to be complicated and overwhelming. It's just sometimes when we're not taking care of something, just like our health it might seem overwhelming when the doctor says you need to do X, Y and Z. But once you break it down and you start doing it and you develop habits with it, it's pretty simple. So with clients, I make sure that we look at all the totality of your finances, but then we break it down and simplify it in a way that works for you, Because once you see it in a clearer picture, you then feel comfortable to empower yourselves to make decisions for yourself, to actually execute the decisions that you make.

Speaker 3:

So that's something that I really prioritize is making sure that the people I work with are making their own decisions. I give advice, but they make the decisions, and then I absolutely help them so they can execute the decision. I don't think that someone's going to jump on Vanguard or Fidelity and immediately know what to do if they've never done it, but that doesn't mean you can't learn to do it. So this way you can do it in the future. So I think that's what it's all about. It's about empowering yourself and usually simplifying. It is a great first step. So you're not overwhelmed.

Speaker 2:

That's awesome, and I think that ties into what you were talking about earlier, that we're all worthy. That not only are we all worthy is that we can do this ourselves, but it's going to take a little time to learn and to build confidence. So, you know, that's, I think, important for everybody to think about is and, as an advisor, I think that's the best advisors are the ones who help their clients get to that point where they can make their own decisions, not make the decisions for their clients. So that's really powerful. So, you know, let's get into the get ready questions. The first one is what basic money concept do you wish people knew If?

Speaker 3:

you're not already familiar with it, look at irsgov for their compound calculator. I think it's a great resource to put different dollar amount that's larger than if you put it off, and you would then have to invest a lot more money in a shorter period of time to get to the same points.

Speaker 2:

That's awesome. Well, for people who are watching or listening to this podcast, you've probably heard compound interest on probably half the episodes. So I hope it encourages you to think about compounding interest because it is such an important concept, and I will put a link in show notes to the IRSgov compound calculator so you can check it out. But you know, I'm glad you bring it up because I think it reinforces just how valuable this concept is for people. So the next question is what's one simple thing people can do each year to set themselves up for financial success?

Speaker 3:

I think a financial checkup is a great once a year thing to do, so you make sure that you're on course, that you haven't overlooked anything, because part of a financial checkup it's not just simplifying your finances, it's not just rebalancing your investments. If you need to rebalance, it's also making sure it are your beneficiaries, the ones that you still intend to be your beneficiaries. How's your estate planning? How's your risk mitigation by using insurance? There are all different aspects of it, and I think it's just a great check-in point to see that your plan is where it needs to be and make any tweaks that might be necessary.

Speaker 2:

I'm so glad you brought that up. I think this is such an important concept is to go back and review all of your financial services and products. I'm going to do a shout out to my own book here, the Get Ready Blueprint. You can subscribe to my newsletter, get a weekly action item. It's free. This stuff is so important. There are no set it and forget it products. As you point out, things change and, as a life insurance consultant, I can't tell you how many times I would see an ex-spouse as a beneficiary on an insurance policy. It happens. So if you have an insurance policy or you have a retirement plan that allows you to name beneficiaries, go back and check it out. This is key advice. It's free, it's very easy to do. So go ahead and check it out. This is key advice. It's free, it's very easy to do. So go ahead and do it. That's awesome advice, alyssa, thank you. So this is the next question is what's one habit that people can change when it comes to their money?

Speaker 3:

Well, one habit is one habit that there are so many habits I like, but one of them is to pause before spending. I think a lot of times you know it's, you know instant, you know we know we can afford or we think we can, and we just spend it and then maybe it doesn't align with our values. So I think it's really important figure out what you value most, make sure you have an expense plan that aligns with what you value most, and then pause before you spend. Do you really need it? Does it align with your values? Is there a less expensive alternative? I mean, there are so many different things that you can ask yourself, but pause before you spend most things. If you don't get them, that instant will not be the make or break of your life. So I definitely think overall, the financial benefits outweigh if you pause before you spend your money.

Speaker 2:

I think that's such valuable advice. And the other thing, too is I think that's important for people is that if you're feeling pressure to buy a financial service or product and you're being told that hey, you got to do it today, that that's a warning sign that not only pause before you maybe buy that new pair of Air Jordans, but also pause before you buy a financial new pair of Air Jordans. But also pause before you buy a financial service or product and really think is this the right financial service or product for me?

Speaker 3:

Absolutely. I love that you said that. I just wanted to add on to that because it reminds me of what you said earlier, which is how is that person that's pushing you to buy that product? How are they being compensated, as you mentioned earlier?

Speaker 3:

I think that's really important and also not everyone is a fiduciary, so not everyone needs is held to the standard of being removing all the conflict of interest. Some people are salespeople and they're trying to sell you something and it's your money, and certainly some of the people who do that also don't know everything about your finances. So if they don't know everything, they are probably not the right person too, because you really need to know someone's complete financial picture before you could give them advice, in my opinion, or sell them something that's supposed to benefit their finances, because it might be the right thing for Tony and it might be the wrong thing for me, but if they don't know each of our finances, how are they able to make that determination?

Speaker 2:

I love that there is no one size fits all financial service or product. I think the other thing that you said and this is a drop your mic moment it's your money. You can make your own decisions. You know, don't let anybody tell you what you need to do, Only do it. If you want to do it and feel you need to do it, so do it. That's it. It's your money. I'll just repeat it again to stress that that's so important. So, Alyssa, what money myth are you trying to break?

Speaker 3:

That you need to be wealthy to benefit from financial advice and a plan. Everyone can benefit from a plan. I think you know. I think about even you know, because entrepreneurship, especially with Shark Tank, which I love Shark Tank, it's such a great thing, but so many people don't have a plan around their business and, just like you should have one for your business, you should have their own 401k, an I 401k, for instance.

Speaker 3:

I also find that a lot of entrepreneurs are spending their personal money on their business and not even keeping track, because they don't have a personal financial plan or a business plan and are also focused on well, I can write it off on my taxes, but if you can't afford it, you still have to pay for it and it doesn't really make sense for you financially. So you have to be able to afford that in your personal life as well as your business life. So those two things really need to marry each other. Whether you're a nine to five, you're a stay at home parent, you're retired, by having that financial plan, you have a way to keep these different things in check, so you don't wake up surprised one day that you don't have enough money to live the rest of your life.

Speaker 2:

That is awesome advice. I want to highlight one thing that you said is don't do things for tax purposes alone. That's not a good reason to do something. You know it is a benefit if you're looking at something, but tax, you know, just doing something for taxes is not the best advice, especially because the tax law changes and you may not get the tax benefits that you think you're getting. So you know taxes has to be one dimension of the plan to make. So let's get out the time machine for a minute. What advice would you give your younger self if you could go back in time knowing what you know now about money?

Speaker 3:

So when my kids were born, actually, I decided my kids are now 20 and 22. But when they were a lot younger, I had decided my financial way to set aside all the gifts the monetary gifts they got that were $20 or more, and earmark it for college. I figured it couldn't be a bad thing and I decided to do it. I wish I had invested that money sooner. I did eventually invest it, but initially I was very torn because I felt well, you know, it's my kids money, it's not my money and as it is, I'm dictating that they're not going to be able to use it for anything. And so I was kind of torn about them investing their money. And, like I said, I eventually invested it and increased their wealth because of it, earmarked or not. But, that being said, I wish I had done it sooner.

Speaker 3:

And, as far as how other people might see it is, it's important in your plan to also invest whether you know, in my kids case they didn't really have any financial needs, but I thought they might go to college and they did. And but in in anyone at the very least, plan for your retirement and prioritize that. Yes, even if you have kids, prioritize your retirement is the best gift you could give your kids for you to be financially secure when they are adults. They don't need to feel guilty or worry about your finances, so it benefits everyone guilty or worry about your finances, so it benefits everyone.

Speaker 2:

I love that. The best gift you can give your kids I haven't heard anybody say that, but you know that is so powerful is that your kids don't have to worry about your financial security. So that's I think that's so important for people to think about, because we are a lot of us in that sandwich generation and we don't want to put our kids in that sandwich generation position as well, where they're worrying about us as we age. You know there's going to be enough other issues that they're going to have to worry about as we age, but also worrying about just whether we can eat and pay our rent and other expenses is so important. The other thing I think that's important and I did this with my son is put money inside into a brokerage account.

Speaker 2:

Now, when he was really young, he didn't really like it or understand it because you know, of course, he wanted to go to Target and buy the latest toys, but you know he knows who Warren Buffett is now and value. You've heard me talking about buying stocks on sale and things like that. So and now you know he has a level of financial literacy um, you know you saw the value of saving the money. So, seeing the time value money, which is what you were talking about with compound interest and things. So there's so many gifts that you're giving to your children by doing these things, so you're not taking as you point out, you're not taking away something to your children by doing these things, so you're not taking, as you point out, you're not taking away something from your children. You're doing something positive to help your children. So that's awesome advice.

Speaker 3:

Right. Well, you and I see eye to eye on this. So it's definitely um, not everyone feels the same way. I have spoken to people who feel their kids deserve certain things, so, but I, like I said, I agree, obviously, and think teaching you know, being transparent with our kids about money will also give them the ability, like you said, to do better with their money.

Speaker 3:

And I I mean my kids started working and earning money when they were in ninth grade and I said to them if you, first of all, if you save that money, because I knew they were earning it, so they, I didn't feel I could tell them what they were going to do with that, but I said, if you set aside for college, each dollar that you set aside, I will match, dollar for dollar. And this was a time where there was no high yield savings accounts. And and then I also told them that I would fund, while they were still in high school, I would fund a Roth IRA for them, and so any money that they earned, I they. Basically, it was almost like an HSA, right, I'm like a personal HSA where you get triple tax advantage, except for them it wasn't a tax advantage, it was they were getting matched right.

Speaker 3:

They earned the money that I matched it for college when they put in there and then I matched it for the Roth because I wanted them to understand. And so when my kids graduated and they knew I was no longer funding that Roth, they earned money and the first thing they asked me was each year how much I could put in a Roth. So my kids have retirement savings and they're 20 and 22, certainly not enough to retire right now but, as we discussed, it'll compound and grow. So I think having those open conversations can change other people's lives, not only your kids, but your spouse, your friends. You know I love when people are open about their finances because then everyone can benefit from it.

Speaker 2:

Yeah, no, that's such powerful advice is, you know? One is just. Yes, you said, be transparent with your kids, talk to them about money. You know, at home is one of the places where kids are going to learn the most about money, so you know. But that comes down to your own personal feelings about money, and not being ashamed of your money Doesn't mean you have to be a money master. These are just things that you can talk about, you know. So that's wonderful advice, so you know. To close out, alyssa, what is your number one tip on changing the way we think about money?

Speaker 3:

So obviously you know I'm very passionate about changing your money mindset, and so I think the best way that I've seen people change it is, first of all, being aware of it and then create habits that might feel uncomfortable at first, because usually when we develop a new habit, if it was already a habit and comfortable then we wouldn't need to incorporate into our life. But instead, whether it's pausing before you spend or maybe having a weekly check in on your financial plan or your expense plan, create habits that over time will help you change your mindset. And I've seen people do it and it's unbelievable. And as that mindset changes, I've also seen people increase their wealth because they no longer have those barriers in the way. So I've seen clients that came to me really insecure about their finances and then they got new jobs, earn more money.

Speaker 3:

I've seen another client that recently removed a mindset barrier where they were always not sure. Even though I gave them advice and I explained everything, they weren't comfortable moving forward, which I completely understand. It's not like all of a sudden you get advice and you just do everything. You should feel comfortable, and so I was very supportive.

Speaker 3:

And then one day we met and this person had more clients than they had ever had before, so they were earning more money. They decided to share the lease of their office with someone else, so now they were splitting the cost and just left and right making all these different changes, and it was the habits that led them in that direction. So if everyone who's listening no matter where you are in your financial journey could find one habit that would have a positive impact and really make sure you know whether it's something you have to do. Maybe you always have coffee in the morning, so you could do it when you're having your coffee, or maybe right after you make your bed. Whatever it is, find a place where you could commit to it, put it on your calendar and change your money mindset, because that will help you increase your wealth.

Speaker 2:

That is awesome advice, and so it's a great place to wrap up the show. So, alyssa, where can people learn more about you and Amplify my Wealth?

Speaker 3:

the most present, which is at amplify my wealth, and I'm on LinkedIn, also amplify my wealth, but personally, alyssa Krasner mazes, you could find me through there. But, like I said most of the time, instagram is a great place to connect with me.

Speaker 2:

That's awesome and I'll give a shout out is that's how we connected. Alyssa's Instagram is awesome. You'll get some great tips. So, and, of course, as always, all the links to Alyssa's website and Instagram and LinkedIn profiles will be in the show notes. You'll easily be able to find them. Alyssa, thank you so much for joining us today.

Speaker 3:

Thank you so much, Tony. It was great. I really had a great time and I'm very appreciative. So much, Tony.

Speaker 2:

It was great. I really had a great time and I'm very appreciative. Thank you, yeah, yeah, well, it's been a pleasure and great insights and, as always, thank you everyone for tuning into this episode of the Get Ready Money podcast. If you learned something today to change the way you think about money, please subscribe and tell a friend. Let's change the way we think about money. Until next time, thank you.

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Tony Steuer

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