Navigating Financial Conflicts in Relationships | Ep 562

26:50Like I can't know, do you have one year of money saved up in a taxable brokerage? Do you have$0? Do you have expenses? Do you like, what are your expenses? I can't possibly know that. What I'm telling you is there are a ton of different ways to get this money out early. Nobody should consider money in retirement accounts as locked up until 59 and a half. I think we have conclusively proved that in the FI community at large, the brilliant people who are doing the research on this. And I think we all just need to take a deep breath and understand we're not stuck. I promise we're not. Okay. All right.

27:23Well, I want to get your take on another thing. Wait, I'm not letting this slide too quick, Ginger. Hold on. Oh, okay. And hold that thought exactly right there. But with your saying like my real retirement accounts are my traditional, but now I'm really focusing just about everything on my taxable brokerage account. I think that's an artificial distinction to me. And depending on, of course, I don't know your exact scenario. Of course, I don't know how much money you make. I don't know what kind of tax bracket you're in, et cetera. I'm not telling you that you should be putting it in pre-tax vehicles.

27:57I'm just saying like, there still might be a very strong case to put a lot more money into those pre-tax vehicles again, because what we just talked about for the last five minutes is you're probably going to be able to pull that out before 59 and a half, almost certainly. And to purposely and willingly give up that tax deduction. Now, when you're at your highest earning years, I don't know that it's necessarily good bet. Of course, you know, it's, it's always going to depend on facts and circumstances in your life. And I can't possibly know that, but I just wouldn't, I wouldn't set that up as like the only money.

28:28So right. If anybody's listening to this, like, don't think the only money that can get me to 59 and a half is what I have in a taxable brokerage account. Because honestly, Ginger, people's brains are going to explode if they, if they think that like, because that's going to like, that is not the case. I promise. Like I personally think of my net worth as one big pot. So I, for myself, take this for what it's worth. I do not consider them, oh, I have this much in retirement accounts. I have this much in taxable brokerage. I have this much in real estate. I just consider it in real estate. We'll get some real sticklers railing on me for the middle-class trap.

29:05Obviously, I don't count that in my investable assets, but it is net worth. But I just kind of lump it all together, basically, the retirement and then the taxable stuff. And I don't know. To me, it's all going to work out because I know there are all these strategies. So that's kind of conceptually how I think about it. So I don't think you need to set that up as that kind of like line in the sand. Yeah. And I will say your point earlier on about being able to be kind of flexible with, Hey, I could pull this much from this account and this much from this account. That was really persuasive to me years ago in terms of like, Oh, if you have kind of a couple different legs to this stool, then when the time comes, depending on what the tax code is, or depending on what the subsidies are, right, then you have some power there.

29:54And so, I mean, I feel like that is a good takeaway for people in terms of regardless of how you do that, having those different buckets to pull from gives you some power, right? It definitely does. So yeah, if your five scenario has worked out that you have a little bit of all three, then that's wonderful. Absolutely great. And if it didn't, if, you know, again, there are lots of people who've written in like, Hey, Brad, I'm the one exception to your rule. Like there are a lot of people who've been yelling, yelling at me, Ginger for, uh, I've had multiple people say like, I have never disagreed with you so vehemently on something as to like, I guess I like kind of monolithically said, like, I don't think there's anybody out there who only has a pretext retirement accounts.

30:36And you know, what people don't understand is like, I'm talking to a lot of people. I round up from 95%. 95 % rounds up. I think the vast majority of people are going to have some money in a taxable brokerage. They're going to have some in their 401ks, IRAs, et cetera. But there aren't going to be 5 % of people who just have money in pre-tax retirement accounts. I don't think you're in trouble. I think you're doing great. I think we have a lot of strategies to get that money out early and to get it out with very, very little tax. I suspect you're going to be cartwheeling down the hall when you realize like just how great of a situation you're in.

31:11Yeah. I loved that reframing that I think that you did on the bigger pockets money where you were talking about like, not only are you not trapped, you're killing it. Yes, you are winning. You are winning and you need to understand that. You need to understand that. Thanks for listening to choose a fi and for all your support of our mission here. The absolute best way to support choose a fi is when you sign up for your next rewards credit card to use our cards page at chooseabout.com slash cards. I keep this page constantly updated, so it should always be the top resource for you. Thanks for being part of our community and for your support.

31:48Okay. So I had cut you off two minutes ago. What were you going to say? Well, I was going to say, well, let me get you riled up about this other idea I had then. And again, I'm, maybe I'm missing something here, but the HSA. Okay. Okay. Everyone knows HSA so great because no taxes going in, the growth isn't taxed, no taxes going out if you use it for your health expenses. Well, I had this realization. So I really have gotten my husband on board with like, let's just pay out of pocket because we don't really have a lot of big medical stuff, right? So like we have a few prescriptions, let's just pay for them.

32:21And let's just let our HSA grow, right? Let's think of it as another retirement account, essentially. So that has worked for us. Well, then my husband got a different job and it pays less. And originally we were like, okay, well, let's not max out our HSA just right now. Let's just hold still for a minute. Right. But then I started thinking about it and I was like, okay, it does not make sense. I think to not max out your HSA and to save your HSA as a retirement. Right. So I think you have Because what you're doing if you do that is you're just paying out of pocket at a higher tax rate, right?

33:06Because you have room in that HSA where you could have. So you get what I'm saying? Yes, yes, yes. And so I think you have to choose. It doesn't make sense to put some in your HSA and pay out of pocket. You either need to be maxing it out and then paying out of pocket because you're able to do that. or if you're not maxing it out, but you're still paying out of pocket, you're paying extra. It doesn't make sense. Right. Needlessly paying extra. Yeah. So, right. I agree. So yes, the way that I would frame that, which is almost identical to you, is saying if you're not maxing out your HSA and just like many of us, we of course have healthcare expenses throughout the year, you're paying for that with cash.

33:52What you're saying is basically at that point, Okay, if you've made the strategic decision to not max out your HSA for down the road for decades from now, but you still have space and you're paying out of pocket for health insurance costs this year, you should just have put that, like, let's say you have a$100 doctor's bill. You should put that$100 into the HSA and then pay for it directly from the HSA in the current year. Because that's this I know, Ginger, because I can see the skeptical look on your face. This is like a slightly different version of what you were saying. It's like because you still have room to max this thing out, you really you can just put all of that extra money into the HSA, get the tax deduction this year and then just pay for it out of the HSA.

34:37So it seems to be the height of silliness, which you accurately said to not max it out and then pay out of pocket. You're absolutely right. I mean, I never thought about it in that kind of overt term, but yeah, it would make no sense in essence. Like it would just be additional mechanical thing of putting a little bit more money into your HSA and then paying for expenses in the current year. If again, if that was your strategy. Yeah, I wanted to bring it up because even though like you understood exactly what I was saying, but you kind of have to think about it for a second to get there. And like, let's say you're someone like me who's not a CPA or not like professionally, whatever, in finance.

35:21And you just like know a little. Right. And so you're like, OK, I've learned how great the HSA is. And so I want to hold on to that. I could really see people doing this. Right. I'm going to hold on to that. and I'm going to pay out of pocket, but I'm not maxing it out. And so unless you take that next step, you're just hurting yourself. And so I think that framing is helpful just to say, okay, yep, you've got one of two strategies and you can't do them both, or just you're wiping out kind of your benefit. Yeah. Or you're just needlessly giving up on benefit in the current year. I think that's how I would argue it.

35:55But yeah, we're both saying the same thing, of course. And the HSA is an interesting one. I think a lot of us are, if we have the ability to max it out. And I know Sean Mullaney actually talked about this on episode 557, where we talk about that one big, beautiful bill and the different benefits for the FI community. And I guess it looks like the bronze plans on the ACA going forward are all going to be HSA eligible, is what Sean said. So I'm not 100 % sure if that takes place in 2026 or 2025 offhand, but we'll look into that for sure. but yeah i mean if you have the ability to put money in hsa and that's just another really nice way to get pre-tax essentially retirement accounts maxing out and i think it's wonderful so yeah ginger i've been taking advantage of an hsa over the last five or so years and i love it i've been maxing that thing out and similar like you said you have a couple different choices you can pay for expenses current year expenses through your hsa and you're still getting the tax deduction which is great.

37:00But then that money doesn't grow and compound over years and decades, because what's great about a lot of HSAs or most HSAs is you can invest that money in mutual funds or ETFs and have it grow as an investment account. And then when the time comes, there are, I guess, multiple different ways to take the money out. But the easiest is to just pay for healthcare expenses out of that HSA. And the interesting thing is you can save your receipts all of these years. So we're recording this in 2025. Let's say I let my HSA grow for another 30 years to 2055. As long as I've saved all my receipts for this intervening 30-year period, I can then pull the money out.

37:44I can basically say, hey, I had this eligible health expense and here's the receipt for it. And you can withdraw the money tax-free at that point, which is really pretty awesome. Though I will advise someone from our community wrote me an email a couple of days ago saying like they've had some issue with pulling money out of their HSA based on using invoices versus receipts and things like that. So I think you want to just make sure that you have real documentation of your health care expenses. I've always taken the kind of tactic of, okay, with my credit card bill showing that I paid it and the invoice, I don't necessarily need the receipt.

38:26but I think it's just in your best interest. Usually the provider will send you a receipt. I would just save all of it together. I think it's really important. What I have read is that you want to make sure it's an itemized. Okay. That's good to know. Yeah. I think this is kind of like as events for the warrant, but I think just like always in life and especially when it comes to personal finance, like or doing your tax returns or doing business income or something like that, like if you try to do it after the fact. And in this case, 30 years after the fact, there's no world where you're going to be able to recreate that from 2025 in 2055.

39:02So it's always just easier to do a better job now upfront. So just save as much as you can. If it means the credit card bill, you save a PDF of it, you save the invoice, you save a receipt. It might take you an extra 30 seconds or minute per one, but it's probably worth your effort, I would say, rather than maybe getting this stuff denied when it comes time to pull it out. Yeah. Okay. That's all of Ginger's questions for the day. Should we pull one of the questions that you've gotten? Sure. That sounds great. So Ginger, we actually got a couple of questions about getting your spouse on board and or what to do with FI if one spouse is on board and one isn't.

39:46And I'm very be curious your opinion on these. So I'm going to read these couple that came through. These were two of three or four that I received. So anonymous wrote, I am on board with FI and it agrees to my values in life. My wife and I have been married for 10 years and introducing the FI concept does not sit well with her. She wants to live life now to the fullest. Going out, spending money, consuming must be part of every activity. It adds value to her wellbeing and emotional state. I'm attempting fine now causes a lot of conflict, even starting small. How do you handle this? It feels like I must choose between fi and staying married.

40:24So yeah, that's a pretty big one. And I'll just read this other one that came in. So I said, I'm a saver and my husband is a spender. I consider ourselves Henry, which I had to look up is a high earners, not rich yet. So that's an interesting one. He's an avid competitive golfer, but just amateur. So a lot of our income goes to that. Significant five figures a year. We also have different goals around FI. I want to reach FI ASAP. I'm in a stressful tech career, but he would much rather continue his current lifestyle than save more. As a result, it's slowing down my progress as the high earner.

41:02How can couples with different goals and values find common ground when it comes to fi. So yeah, these are, these are two pretty significant ones, Ginger. I know I'm just throwing them on you now. You can just hear the resentment too in the second one, or if it isn't, isn't there, it would be there for me. And then just sort of the desperation in that first one of like, I feel like I have to choose between these two things. But I guess the, the work around couples is always, hey, how can we get on the same team? So I think about that first listener who was saying, my wife wants to live life to the fullest, right?

41:39And I want to do this other thing. And this idea that these are in conflict, and maybe they don't have to be right, like maybe that's some all or nothing thinking, like we either have to live life to the fullest, or we can retire early. And so instead looking at like, how can we both kind of get these things we want, which is we both want to have a nice life. And I wonder if having a conversation around what about this is important to you? What about this is important to me? You know, I know that other couples have made it work to where they can kind of disconnect this idea of that we have to retire at the same time.

42:19What do you think about that? yeah I mean this that's always on the face of it at first that always seemed a little a little odd to me but I think I actually have a couple of friends in real life who have done precisely that where the family's at five but one spouse continues working yeah the other has stopped and basically said I'm at five I'm I'm done and it is working out in their cases of course there's always details to work around but yeah it always it always struck me as a little bit strange, but I think, and this was going back years, but I think what's important is that everybody has their own thing, Ginger.

42:56I think this is something I've become, it sounds so obvious, but like I've become so much more open-minded to is like, if somebody likes to work and they want to keep working, then that's great. They can keep working. Like, I think they'll use it. Like it doesn't have to be all or nothing. That's an important part. There's so many, there's so many different flavors of five these days that you just have to figure out what works for you. So I think that's something that I've come around on, which is I would have always thought one person working while the other wasn't would lead to just a ton of animosity and hostility.

43:28But if the person who's working is doing it on their own volition and because they really enjoy their job or whatever it is, like it would be pretty hard for them to then have animosity after they've made that decision willingly and openly. So there's that. But yeah, I mean, obviously in both of these scenarios, this is not that, right? So the scenario where one person is the much higher income earner with a stressful job, and it sounds like the other spouse would quote, much rather continue his current lifestyle than save more. Like that doesn't sound like a great team to me, you know, that doesn't like at all.

44:08So I think, I think ultimately like a lot of this, just like anything in life comes down to communication, which is, Hey, we need to, we need to talk about this. We need to get on the same page. We need to like, if that conversation is had by the stressed out spouse, who's working so long and is, is frankly annoyed by the frivolous spending, because that means they have to work more. And the other spouse isn't willing to give it all and just wants his or her lifestyle to continue. Well, I mean, of course they want to, Like they want their lifestyle to continue, but that's not a very good spouse in that scenario, right?

44:44Like that's not a very good human in that scenario where they're not willing to give and they're not willing to work as a team. So, I mean, I would question again, I hate to use the phrase again, but like the fundamental premise here of like what we're, what we're talking about, like, are we aligned? Yeah, we're married, but like, are we aligned here? Like, is this, can you not, not even see where I'm coming from? Like that, that portends greater issues. I suspect. than just, hey, we're not on the same page of FI. And maybe there's some assumptions on their end, right? About like, my partner isn't willing to do this or doesn't see it this way, right?

45:22And so often it's like, hey, having these conversations can help to bring some of that out, yeah. That's a great point, Ginger, right? Just the unspoken assumptions. I think a lot of us, most of us go through life with unspoken assumptions or expectations. And yeah, it's easy to assume negativity sometimes when it might not be there and you're just fabricating it. Yeah. But the bigger thing is like Brad and I don't know. And we want to acknowledge how painful and hard it is. Right. Like you're reaching out because you want a solution and we don't have one. But we can say, gosh, we get how hard it is because money issues are value issues.

46:06Right. and I am thinking of when we had this huge car repair not that long ago and it really frustrated my husband well me too I didn't want to spend that much on a stupid car but he had said something like oh like next time we should get a new car and I started crying wow and I you know it's so stupid it's just like a car and it doesn't matter and then when I had a little distance you know a day later, I could get to a place of like, okay, if this is actually important to him, then it's something that we could make work, right? But my initial response, because it really was like a value thing, like, I don't do that.

46:45I'm not a person who buys new cars. And I don't, right? And so someone's saying like, we should, we should do that. It was somehow like really emotional for me. And so I guess I give that example just to say, yeah, we get that it's not just about numbers. It's about who you are as a person and what feels safe and what feels good to you. And so those can be tricky to figure out. Yeah. Yeah. I mean, this is all tricky. And I love that you took a step back there and said, of course, of course, we don't have an answer. I mean, there's no possibility that we have an answer, but I think at the heart of most relationships is communication.

47:25And I know that can break down very, very easily. And we can assume negative intent and we can jump to conclusions. And like you said, we can just, yeah, assume negativity generally. Right. And that can happen. But a way to head that off is to have conversations. Right. And, and in this scenario, like with both of these reluctant or outright hostile spouses, like maybe find what lights them up. Like, I think that that goes back all the way to the beginning of choose if I remember conversation about this exactly, which was like, Hey, go talk to your significant other and find out like, Hey, why do they like in your estimation, frivolously spending money?

48:06Like what, why are they doing that? Like maybe it's something you're going to learn something about them. Maybe something about their childhood or their money story really impacted them. And maybe it's something about security or not ever wanting to look poor, or they were embarrassed sometime. Like you just don't know, but this could be a real wonderful learning lesson about, about your significant other. And to take that time and be vulnerable yourself and hopefully get vulnerability back, it could really bring you closer together. This could wind up being a wonderful thing. And maybe you come out of it with each of you having a shared North Star for your financial life and your married life and your life just generally of, hey, this is what we actually want to do.

48:48This is why we're saving money. If you look at saving money as deprivation or putting off to another day, like a lot of people aren't going to be on board with that. But then to talk about somebody like JL Collins, our great friend who talks about saving 50 % of his income wasn't about deprivation. He was buying his freedom. He was buying the only thing that mattered, which is his time. So if you reframe saving money, quote unquote saving money, to spending on the most important thing in life, which is your freedom and your time, Well, that sure beats spending money on whatever, a new set of golf clubs or a new purse, right?

49:29Like almost anybody with some common sense would come to that conclusion, you would hope. But again, and I'm making a judgment there, of course, but you can't know these things until you have the conversation. Yeah. Maybe it's good to say, too, that the conflict isn't a problem, right? and that the emotions around it aren't a problem, that those are essential to sort of getting to the other side of those issues. Yeah, and thank you. Obviously, you have a professional background in this. I decidedly do not, but it's, yeah, this is important stuff. And yeah, I'm glad we slowed down on this a little bit.

50:06So Ginger, it's hard to segue from something so serious, obviously, but we were talking about some fun things earlier, you asked me, and I'm curious. So are there any other fun things I was thinking, like things I've been playing around with or games I'm playing? And sometimes, yeah, people just want to know what we're up to in our own lives. And I've been playing around a lot with different AI tools. I think a lot of us have been. I'm trying to use ChatGPT much more often. I found this really cool voice dictation called Whisper Flow. I think it's whisper without the vowels. And it's really wonderful.

50:43I use it now for virtually everything that I quote unquote type. I just voice dictate. And because it has this really significant AI behind it, it auto styles everything that I write. So I don't have to sit there and retype it or put paragraph spacing in, or when I say thanks, Brad, or a closing on an email, it just formats it properly. And it's been saving me a ton of time, really a ton of time. So that's been kind of a cool thing. Like I said, I've been using ChatGBT a little bit more. I've had just a couple minor little health things. Like everything's fine, but just more attuned to it. So I was able to throw in some of my blood testing in there, plus some of my DNA.

51:30And I know some people have privacy issues with this. So again, if you're yelling at me, just understand that I did this with eyes wide open. But it was really cool, like just to be able to have it analyze all this stuff together and give me some plans and risk factors. And it was especially interesting in that it was both the genetic background, but then the actual like, how is this manifesting itself in real life in my blood tests and such? because it's all well and good to have, oh man, I've got a ton of terrible, terribly negative genes. But if I'm living a good life and good lifestyle and they're not manifesting, well, okay, that gives me some solace, which is nice.

52:12So anyway, it was just like a fun little thought exercise that I wanted to undertake. And it's just like, these things are astonishing. Like I use another one called notebook LM, which is a really cool one that Google has. And I basically just and consistently like throwing documents in there or YouTube videos and even books and just having it, having it summarize them. If you were researching something, you could put in like multiple papers in there and have it compare and contrast and summarize and, and give you feedback. Like to me, if you have documents or any type of source, that notebook LM by Google is like the absolute best thing.

52:52It has saved me so much time. I can't even tell you. Can I ask you some questions about the health tracker? Okay, sure. I'm scared, but yeah. First of all, was it inside tracker or what was the, are you comfortable sharing? Oh yeah. So for my blood test, I use function health. This was Dr. Mark Hyman. He's a famous functional health doctor. And yeah, he came up with this blood testing company a couple of years back and I jumped on it and I think it's like$500 a year. And you get like, I think it's like 100 or 125 blood markers, like twice a year for 500 bucks, which, you know, obviously I'm in a fortune position where I'm okay to spend that money.

53:36I understand that's a lot for people, but I just really am focusing on my health significantly. So yeah, for basically 500 bucks. And actually I might have like a personal referral thing. I'm not even sure actually at this point, I think you might get a hundred dollars off. if I have that I'll throw it in the show notes for this so take a look obviously Ginger you and I did not talk about this beforehand needless to say but yeah I'll take a look at that but yeah I've been doing that for three years now and it's nice to have trends and follow along and yeah I mean I have some things that are a little little out of whack especially with with heart and a little bit of blood sugar stuff so some stuff that runs in the family that I just need to stay aware of basically yeah so was this also the same thing that you did like the DNA I did that through ancestry.com.

54:24Oh, I did that a bunch of years ago. You can actually export your DNA file. So it has like, I think like 700 ,000 lines of like different DNA. And the cool thing again is chat GPT just eats that for breakfast. So it's, uh, that was, uh, you know, well you and I could never go through 700 ,000 lines of data. The AI can really easily. Yeah. Okay. And so then my other question is when you got that information, did it change anything about what you're doing now? Well, yeah. So, and that was the cool thing was again, always looking for trends. Like, and I didn't have insight into this just from the data that I had, but chat GPT figured it out.

55:03It's like, I kept asking it a bunch of questions and almost everything came back as saying like in totally disparate areas, like your omega-3 index is low. You need to be eating more fatty fish or supplementing with omega-3. So that was like an instant. I went out, I actually listened to, there's a great episode of the Tim Ferriss podcast that just came out in July with Dr. Rhonda Patrick, and she's absolutely brilliant. And she talked about a bunch of different supplements and such, and she had a recommendation for her favorite fish oil. So I just kind of piggybacked on that. So yeah, I did, I did take action.

55:41I think that's one thing that hopefully I can see that increase and then I'll test my blood markers again and we'll see what happens. Yeah. All right. On with fun things. Are there any other fun things that you've been up to or wanted to share? Yeah. Good question. I, uh, I've been playing more games recently, which is fun. Every morning I have the New York times, uh, games app. So I do, I do old school wordle. I actually got back into that. I love their connections game. Have you ever played that oh ginger come on it's fun it's uh yeah it's just like a job brad oh come on it takes three minutes so yeah that and the mini and sudoku and so yeah trying to do that much more often and i've been playing a bunch of like card games and board games with my girls actually when we had i had tim ferris on the podcast in early august which was absolutely crazy and he just came out with a game called coyote, which is really, really good.

56:39So we played that a bunch of times. We have another card game. That's like a trick taking game called skull King. So yeah, just trying to play more games when I can. I really feel like I went like a year there without playing all that much. So it's just, yeah, it's kind of good to be back. Okay. Should we wrap this up? Yeah. Ginger, this is fun. As always, I love recording with you. These episodes, we never know where they're going to go or what we're going to talk about, which is, which is fun. We always have a very, very long list of things. But yeah, for everybody out there, like we talked about a lot through this episode, it's try to look for areas of fun.

57:11I think that really matters. I think connection really matters. And like Ginger said, the book club is really something she's excited about coming up. So it's the top five regrets of the dying book. She's gonna do that with Frank Vasquez. When you read the book, send your feedback in, feedback at chooseofi.com. or actually the really the best way is on our website. So choosefi.com slash feedback. Ginger, I don't know that I really even told you about this, but I just launched this and this I'm so excited about. I have long envisioned, I get all these amazing questions that come in from the community and it's always limited by me.

57:48It's limited by me having the time to answer or the knowledge and expertise. And unfortunately, a lot of those questions I read and they just get stuck there. And now that Jonathan has helped overhaul the new website, choosavite.com, and we have this amazing member portal that's there. So if you haven't signed up, just please go to the website, sign up for that free portal. Jonathan is building something extraordinary for the FI community. And he did that on this feedback page too. So choosavite.com slash feedback. And basically what I've done is I've asked a bunch of my friends of the show, of the community, who are really world-class experts in a whole assortment of topics to help us answer these questions that again, have always gotten stuck with me.

58:30And now the questions come in and I can then kind of zip them over. A sign is really the wrong word, but I can zip them over to these friends of ours and they then come back with these incredible answers. They record a little voicemail, write some notes up, and then we turn it into a really great piece of content that lives on the Chooseify website. So we're going to have all of these questions and answers so far. I have Dean Turner and Dr. Bobby DuBois on health. I have Fritz from the Retirement Manifesto on drawdown strategies, Karsten Big Earn on safe withdrawal rates. I have Jess from the Pioneers and Jillian Johnsrud on all sorts of different aspects of FI, FI, mini retirements, Coast FI, all those really important aspects of FI, Chad Carson on real estate, Sean Mullaney on taxes, Cody Garrett on all things general CFP and all assortment, and Alan and Katie Donegan on entrepreneurship and international FI.

59:33So these are just the people that I've asked so far at the very outset of this. And every single person I've asked has said yes, which is awesome. And Ginger, we have these amazing people answering questions. So if you're listening to this and you have a question on any range of topics, you literally have the people that you hear on the podcast at your fingertips. If you ask a really interesting question that we think is valuable, like I'm going to send it to them and they're going to respond to it. It's going to enrich you and the community. So I'm super excited about this and I'm really, really proud of it.

1:00:05Okay. So if someone goes to the website, is it going to be very obvious how to leave a comment about the book or to leave a voicemail about the book for the book club episode? Yeah, Ginger. So just go to choose a bit of comm slash feedback. And it should be really easy. Like worst case scenario, there is an other category and you can just send it in there, put the subject as the book club, or I mean, frankly, just send an email to feedback at chooseify.com and it comes to the same place. So yeah, really, really easy for people to get their questions in generally and on the book club very specifically.

1:00:40All right. Well, thank you as always for being part of the chooseify community. Thanks for listening to the podcast and until next time, thanks for being here. Thank you for listening to today's show and for being part of the chooseify community. If you haven't already, the best ways to get involved are first subscribe to the podcast. So you're listening to this on a podcast player and just hit subscribe and then subscribe to my weekly newsletter. I actually sit down every Monday and write this by hand, and I send it out Tuesday morning. So just head over to choosefi.com slash subscribe, and it's really, really easy to get on the newsletter list right there, and I would greatly appreciate it.

1:01:18It's the best way to get in touch with me. You can actually just hit reply to any of those emails, and it comes directly to my inbox. So that's the way that I keep a pulse of the community and how we keep this the ultimate crowdsource personal finance show. And finally, if you're looking to join an in real life community, we have choose a buy local groups in 300 plus cities all around the world. So head to choose a buy.com slash local, and you'll find a list of all of those cities in 20 plus countries all across the world. And if you're just getting started with buy or you have a family member or a friend who you think would be interested, two easy ways choose if i episode 100 is kind of our welcome to the five community and even though it's a couple years old at this point it still stands up and it's a really great just starting point to get an understanding of what is financial independence what are we doing here why are we looking to live a more intentional life where we save money and use it as a springboard to live a better life and then choose if i created a financial independence 101 course that's entirely free.

1:02:21Just head to choosefi.com slash fi101. And again, thanks for listening.