 Next question is from Drummer Man 1089. What is your best financial advice for newlyweds? Oh, so this is not gonna be sexy advice. But, but, but, this is- Coming from the cheap ass. Well, no, this is a hundred percent. Don't take them in McDonald's. You know, here's the deal. It's like a new lifter. Like, okay, what are the advanced techniques for building biggest biceps or whatever and I'll say, okay, squat, deadlift, bench press, you know, overhead press. But yeah, but I read this article where occlusion training and getting a pump and force reps and, you know, using bands and chains like, no, no, no, this is where you need to start. So this can be confusing for people because you look up financial advice or best ways to invest and you get all these articles on how to leverage your money and leverage debt and invest in the stock market, which companies to pick. You know, how to, you know, how to even gamble in the stock market with things like, you know, short selling and all this other stuff and options. And yeah, here's the bottom line. No joke. And I listen, this is, forget coming from me. I'm a trainer. I'm a fitness guy. I come from a family of investors. All my cousins, this is what they do for a living. So my brother does for a living. I'm on a thread with them. We talk about this all the time. And it's funny, one of the biggest things that they talk about is how they, now that they're experienced and advanced in investments, the stuff that they used to think was totally wrong. Just like when we started working out, I thought it was all these advanced techniques. When in reality it was the basics that would have got me there. They said, man, the best thing you could do when you first get started is two things. Number one, eliminate your debt. So don't have debt, don't have credit card debt, don't have car debt, don't pay interest. That's money, that's just, you're burning. If you wanna buy a car, buy a car you can afford to buy right now. That means you gotta drive a shittier car, so be it. Don't have credit card debt at all. That's again, another big waste. And then number two, save 100 grand. That's what they always say, they always say this, save your first $100,000. After you, because nothing you can do up into that point will be as consistent as just saving or as effective as just saving 100 grand. Once you save $100,000 and you do that, then you look at investing in the market or potentially buying property and stuff like that. But until you get to that point, and this is what they tell me that you are dumb for having debt and for not trying to save your money. What you're probably gonna do is you'll make a few mistakes, lose it, and then you're totally screwed. So it's better off to save and not spend, and I know that sounds old school and boring, but that's what they continue to hammer into me, you know. I think that's great advice, dude. So I have two things I'm gonna give you and I'm gonna preface it like Sal did. I'm just a fitness guy. I'm not a financial advisor, but I learned the hard way. So I made good money when I was really young and spent and lost a lot of money. And so later in life, I came up with this kind of semi-conservative formula for myself. And it's not like what you'll read in some books, because then I'll give you a great book to read too on top of this that doesn't completely align with this. But this is what really got me in a direction of like in a place where I could invest like Sal, saying saving my first 100,000 and moving to where I could actually have money working for me. And that was, and because here's where I struggled. Somebody who didn't have much and then I got money was like, man, I worked so hard. I wanna be able to reward myself. I wanna be able to enjoy some of these things I have. There are materialistic things that I like. I do like to drive a nice car. I like shoes. There's all these, this stuff that I like. But then at the same time too, I don't wanna be irresponsible like what Sal's alluding to right now. So I had this little thing that I used to do and it was, okay. And I've always had jobs or businesses on the side to where my pay is always kind of fluctuated where it's not always like this flat rate. I could work harder in a month because I own my own businesses to make more money. And so I made a deal with myself that if I wanted to buy something, whether it be a hundred dollar pair of sneakers or a $50,000 classic car, I had to have saved or invested the same amount of money. So if I wanted a hundred dollar pair of shoes, I would, I need to have also saved or invested a hundred dollars of that money that month. So I never ever spend in a month's time more than what I've saved. So 50, 50. 50, 50. So that's after bills, right? So you pay all your hard costs that you have whether that be car payments, rent, mortgage, whatever you have, take care of all that. And then I have a set amount of money left over. Of that 50% of that, I would allow to buy things that maybe I want. And then the other 50% has to be saved. That's gotten me a long way. Now that doesn't completely align with the book I'm gonna refer to you. I wish I would have read this book because it's definitely tightened. I've tightened my game up and it goes more in line with what Sal said. Was a great book reference from our good friend, Mike Matthews. And I just finished reading it not that long ago. So, and this I think would be great if you're recently married. I've talked a long time ago on the podcast about things that Katrina and I have done to build and strengthen our relationship. One of those things that we do is we listen to audio books together, listen to Millionaire Next Door. Great read. Also would be great for you and your partner to listen to it together. Make a couple hours out of the week whether that be just one or two hours out of the week that you dedicate that you and her sit down or you and him, I don't know who's asking this question. You know, sit down and listen to this book and work your way through that. And it addresses everything that Sal said and everything that I've talked about about how you should save and invest your money. Yeah, I think, I mean, just to kind of throw this out there, reading this question to me is really about getting both parties in alignment first. And I think that a lot of couples still operate with their own financial strategies independent of each other. And I was actually talking to a few, like when my brother-in-law and like how they kind of got to the point where they are, but it took some time to really relieve the fact that your money is their money. It's the collective money. So you got to figure out both of your goals and how you can align both of your goals together. So you really need to have that conversation and sit down and pull everything together now and really just kind of put all that extra stuff if I pull all this in and you're not doing it, it just creates dissension and that just never works. It just ends up in like fights and money is a big thing that really breaks up couples. And so to really just establish both of your goals, write them out, how you're gonna get there, definitely eliminating debt, saving money, like all these like old schools, conservative methods are time tested for a reason, but then how are you gonna then collectively as a team move forward in your investment strategies and all that, but that's something that I mean, I had to like have that hard conversation and really put a lot of time and effort in, okay, we have all this debt here from my school, we have this from your nursing school, like this, how are we gonna eliminate this? Like what kind of strategies are we gonna use in terms of like using our credit card to paying it off every month so that way we build up our credit score, like things like that, that just having that conversation I think is crucial. Yeah, the challenge with this is that, and it's again, like fitness, people who are getting into fitness and wanna change their bodies, they look at the genetically gifted or the guys or girls who take steroids, oh, I could look like that in a year if I just did all this crazy stuff. And those of us who've been training people for a long time understand the average person, no, it's not gonna work that way, you'll never be able to sustain it and you're not gonna look like they will because you're your own person. It's like you look at millionaires who start this company and blow up or you have a friend who got into a company who then went public and they became millionaires and so you're like, oh, this is how you do it. This is the fast way to do it. If I invest it here and I make 15% here and 10% there within 10 years, it doesn't work that way. It is unfortunately, or fortunately, it's a slow process. But look, maybe it takes you 10 years to save $100,000, okay? Because it sounds like a lot of money. I know to a newlywed, you think, my God, how many to save $100,000? Okay, it might take you 10 years or 15 years. That's the hard part. After you get to that point, now you have some money you can invest and here's the thing with money, the more you have, the more you can make. It's that initial period that's difficult, that initial period of eliminating debt and saving your money. And that also, by the way, that also helps you develop the skills and the financial health to be able to deal with money when you make it or maybe even lose it because there is a lot of skill that is involved with that. This is why lottery winners tend to go bankrupt. They don't have the skills associated with earning that money, they just get it. So if you go through a period of 10 or 15 years of eliminating debt, living below your means, saving your money, wow, we saved our first $100,000, you are now prepared to really take yourself to the next level with that amount of money. But again, if you talk to responsible investors, that's what they'll tell you. Eliminate debt, save your first $100,000, set those as your initial goals. Live below your means. And that's the only way to do it, you'll be okay. Millionaire next door, it's a good read for you and I think it'll be great for you as a partner to do.