 Hi, this is George Cowell, this is a bit of a different kind of short video. It's about finances and I've been going through the five essential habits for authentic business success and good financial skills is one of those five essential habits. It is really, really important for you to be saving for those years at the end of your life where you cannot work anymore physically or mentally. So I recommend that you aim to save for at least 10 years of living expenses. So that, you know, when you cannot no longer bring income in for yourself, you have those savings that will support you. And I've created a tool here for you to do that I'm using for myself that you may me find helpful as well. And as I'm not your financial advisor, so please check with your own advisor or do your own double check the math. Don't make any financial decisions just based on my plan, but do your own due diligence. But this plan will hopefully motivate, inspire you, give you some direction, some ideas for your own savings. So the yellow cells, and I'm going to link to this document so you can copy it and have all the formulas yourself. The yellow cells can be changed. The white cells, everything in the white should just stay the same, but just the yellow can be changed. So interest rate, I'm assuming 7%, which at this time in 2015 is not difficult to get 7% stable, reliable returns. I recommend lendingclub.com. I think it's, in my opinion, it's more socially responsible than investing in the stock market. And it's also more reliable, more stable, less volatile. Prosper.com is a competitor to the lending clubs. If you want to check them out, I like the lending club better. So inflation, 3%, U.S. historical average is a conservative estimate, 30% taxes, a conservative estimate, and you might pay a lot less than that, but it's good to assume more. Interest after taxes is basically 7% minus, take 30% away from 7%, you get 4.9%. So don't change these things, change your yellow cells. Starting principle, if you have any savings you already have that you'll start with, but I'm assuming here you're starting from scratch, 1,000, you can change however much you want to start saving monthly. The reason why these monthly keeps going up is because of inflation. And the other cool thing about this, that's why every year it starts saving a little bit more every month, and the cool thing about these numbers on the right hand side is it already takes new account taxes. It already takes taxes away, and it also accounts for inflation. So the bottom, all these numbers are based on today's dollars, or whatever year one is for you that you're using this. The cool thing about these yellow cells here is you can say, well, let's say in month three I want to save an additional $5,000 beyond the $1,061 that I'm saving each month, additional $5,000. That'll change all the numbers. And then let's say you want to start withdrawing money from your savings in year six for whatever reason, $5,000 each year until year 10. And then you're going to start withdrawing $10,000 from there, from your savings beyond that. That changes numbers so that at the end you can still see what you are left with. Again, I recommend that you are left with at least 10, just aim for 10 years of living expenses in today's dollars for you. So with that, I always welcome your questions and comments. I hope this is useful for you. Again, do your own due diligence, talk to your own financial advisor before you use this to make any financial decisions for yourself. I hope this is really helpful for you and until the next video, I wish you well.