 This is State Tech Hawaii, Community Matters here. Guys, and we are back live here on the Prince of Investment. I'm your host, the Prince of Investing, Prince Dixie, live in the beautiful state of Hololulu, Hawaii. So as you guys can see already, this week is not today in particular, but this week it is going to be Veterans Day on this Thursday. So what I did today, I decided to bring in a very, very special guest. We got the author, Doug Norman, of The Military Guide to Financial Independence and Retirement. So we're going to be talking about retirement, financial literacy for all of our veterans out there across the world. His book is available on Amazon and all the other great places and stuff like that. But as always guys, I don't have a lot of time and I definitely know you guys don't have a lot of time, so let's get straight to it. So let's go ahead and welcome my guest today, Mr. Doug Norman. How are you doing today? Doing good, Prince. Good to be here. Thank you for having me. Good to be here. Okay, awesome, awesome. Now- There's quite a background there. Quite a background. Definitely, definitely. So you wrote this book called The Military Guide to Financial Independence and Retirement. Why did you think it was so important to educate veterans on financial literacy? Right, you know what it was like when you were starting out on active duty and all you knew was that you were getting more money as a young adult than you'd ever had in your life. That's true. And the next thing you knew is you had to get a hot car or the latest technology or a new cell phone or some kind of cool gear. And what really happens is that's when you should be saving your money for financial independence. But it's very difficult when you're just starting out in the military to remember how to do that. And so the book is designed to show you that you can save for financial independence even while you're in the military. You don't even need to go to 20 years or get a pension. All you need to do is focus on what you're spending, cut out the waste, the things that don't bring you value to your life, and then save as much as you can for as long as you can. You can reach financial independence in less than a 20-year military career. And even if you just do one obligation in the military and then get out and be a veteran and move on in your civilian life and your bridge career, maybe the reserves or national guard, you can still reach financial independence in a very relatively short time. In my case, I retired in 2002. I've been retired for 15 years now. I'm financially independent and the whole process of saving for financial independence really ideally starts as soon as you get your first paycheck. And I know it takes a while for things to settle down. But within that first year or two of active duty, you should be able to start saving your money. Now, that's great what you said about how you did 20 years and, you know, you was a military officer and you retired now in 2002 and, you know, you're financially independent. That's very rare. You see veterans do to do 20 years and be financially independent. Yep. Now, you have so many investment vehicles out there, right? You got the TSP, you have, you got people on TV, you got shows like this. You got mutual funds. You got ETFs. You got stocks, bonds, whatever the case may be, with someone out there, because a lot of us came in like myself, I was 18 years old, didn't have a clue about investing, right? That's right. So, hey, military people get, they earn a pension after they're 20 years, they do 20 years, but you go into a room on the enlisted side in boot camp, you go into a room and they just, they shout at you for about five minutes, you need to do this blah, blah, blah, blah, blah, blah, blah, blah, sign up for this or whatever the case may be, you sign up for it. Now you're in the TSP program. That's right. And you're guessing, hey, I, I, I guess that's it. So, that you went off and done this, how, what would be your advice? How would somebody would start? Maybe that E3, E4, E5 or E6 or 7, that's listening to this, what advice would you give to them? Well, I would advise people when you're in recruit training and they're yelling at you to sign up for the thrift savings plan, just do what they tell you to do. Don't ask, don't ask questions. Don't come to anybody's attention. Get out of there as soon as you can. Got it. Eventually, you're going to finish all that basic training, you're going to go out into the fleet or out into the forces and you're going to be doing your job, but eventually you're going to have some spare time on your hands and that's when you look at the thrift savings plan. Okay. If you've invested in the thrift savings plan, as you probably did when you signed up, then you should look at how much money you're putting in the thrift savings plan. And everybody says, well, I don't have any money. I can't afford to save for financial independence. I can't afford to save for retirement. But everybody someday is going to be out of the military and the best time to start saving is the day you joined the military. The second best time to start saving, if you don't do that, is today. So, I tell people, go look at what you're spending. And the easiest way to understand your spending is to just track your spending. Whether you use a software or a smart phone or a pen and paper or a piece of computer software on your personal computer at home, whatever you do, track your spending. And after a couple of months of doing that, you'll figure out where your money is being spent well and where it's just being wasted. And it's very individual. It's very personal. Some people feel like they're wasting their money on eating out and dining out too much. Other people feel like they're wasting their money on drinking alcohol. Whatever it is, it's a personal choice. And after a couple of months of tracking your spending, you'll figure out what you've spent your money on and you'll say, well, I know where I'm wasting my money. And that's where the savings begins. You stop wasting the money on the things that don't bring you value to your life. And from there, you start saving that money. And you'll soon get yourself out of debt. You'll have extra money and you're checking your account every month. And now you'll have extra money to send to the Thrift Savings Plan. And so you go into MyPay or whatever your services pay website is and you raise your contribution to the Thrift Savings Plan. And I know it can be overwhelming. That the MyPay system says, do you want to do it in a Roth Thrift Savings Plan or in a traditional Thrift Savings Plan? Exactly. And we make it complicated. But when you're just starting out, the easy answer and the one that will have no troubles later on is to just pick the Roth Thrift Savings Plan. There's a number of tax reasons and you can talk to a financial advisor and get all the details or ask me offline after the show here. But the easy answer is the Roth Thrift Savings Plan. And once you do that, you should set your contribution as high as you feel comfortable with. Maybe that's 5% for some people. Others might be 15%. A few individuals might be able to set their contribution to 40%. I can say that the math of reaching financial independence says that if you are able to save 40% of all your money, of your gross pay, 40% for less than 20 years, maybe about 16, 17 years, you'll probably reach financial independence even without the pension. I got a couple questions that you said there. When you said, okay, I mean, when I was very first joining Thrift Savings Plan, you had a lot of people saying that it wasn't a Roth at the time. That's right. So a couple years, I want to say about 2008, 2009, or something like that. 2012. 2012, right? They came out with the Roth. So a lot of people say, well, you said, hey, you got some, I would recommend you go Roth. What in the heck is the difference between a traditional and a Roth? Because a lot of people, a lot of sailors, a lot of Marines, Army that are serving across the globe and that have served. And we also have a lot of civilians that are sitting back in there like, okay, like you said, you sign up for it. You're like, I don't even know if I have traditional or Roth. Now what? What is the difference? Why would you recommend I get the Roth? I get this question all the time when I talk to people. There are people that don't even know if they signed up for the Thrift Savings Plan. You know, they blocked out all that trauma of recruit training and they just don't want to have a flashback. So the first thing we say is go find out if you're signed up for the Thrift Savings Plan and then you probably have to go figure out what your password is and have that sent to you or reset. Once you get that straightened out, then you're ready to look at the two. Military service members are lightly taxed. You earn money and you have a base pay, but you also get a lot of tax-free allowances. And the numbers are that about two-thirds of your pay of all your money that you get in the military is taxable, but about one-third is tax-free. And so you're lightly taxed already. And then when you fill out your tax return and send that off to the IRS, many junior enlisted and even junior officers have what's called the earned income tax credit or a child care tax credit or a number of other tax credits that are available to them. And if you take those tax credits, even though you may likely be taxed when you get to the end of the tax form, it'll tell you that you can apply some credits to your taxes that you owe to the federal government. And before you know it, your tax bill is very low, maybe just $100, maybe even zero. So if you're not paying any taxes, then you might as well put your money in somewhere where it's after tax where you don't have to pay tax and later on. So my advice when you're just starting out is pay your taxes now with the Roth Thrift Savings Plan, which are money in the Roth TSP, it's already had its taxes paid on it. And the nice thing about that is all the growth in that Roth Thrift Savings Plan account for the rest of your life is tax free. Wow. You won't pay any more taxes. Now, what you just said that you spoke about, you said, hey, you know, you have your Thrift Savings Plan, you have the traditional, you have the Roth. And I'm 100% in grins with you. I tell, you know, all of my junior people in supervising anybody that listens, I say to me it's a no-brainer because I feel most veterans will earn more later in their life. Absolutely. Then they will in the military because in the military, you know, you get so many tax breaks, you know, your housing allowance, you get all these different tax breaks that you may have. And most people, once they go into after the military life, they will have their pension and they usually find a start another career. Yep. And by the time, you know, I don't know, 20, 30 years from now, when it's time for you to withdraw that money, now you have to pay taxes on it. And that tax bracket, that could be, we don't know what the tax rate may be. So you're looking at it, you're saying, hey, if you're being tax-free now, take advantage of it, get into the Roth, and that your earnings will be taxed, tax-free, essentially. Very gladly. That's right. When you can pay the tax now and the lowest tax bracket you might ever be in for the rest of your life, that's what you should do. Now, there are other times, if you serve some time in the military and get out of the military and you're financially independent, or maybe you're living off your savings for a while, but you don't have any income. If there's a period in your life where your income is very low, then maybe it makes sense to pay your money and pay your taxes later. But that's very rare. Very few people get out of the military and start traveling the world and never spend any money. So I would advise people to start out with the Roth Thrift Savings Plan. Okay. Now, the thing that you mentioned, you keep bringing up this word financial independence. Exactly. Financial independence, is that a number? Like, how do I know, like, like, you know, this is the finish line, financial independence. How do I know, what is that? Like, what technically is that? People just want to know what to do. Exactly. How much do I need? How's it going to take? And I sympathize that. I'm not a certified financial planner. I don't have any fancy three-letter acronyms after my name. I don't have any financial training. I'm just a smart guy who figured this out with a lot of help from the Internet and a lot of other military people. That book is written with stories and advice from 50 other service members and their veterans and their families. And so we had a pretty good crowdsource book when we wrote that. And in there, you know that when you're financially independent, the first thing is, you don't have to work for money. You can. You don't have to. When you're financially independent, you have control over your time. Your time is your own. You can keep working if you want to do whatever career you're in, if you find it challenging and fulfilling, and keep doing it. Some people have no reason to ever stop working. Lawyers, doctors, university professors, some people in the military want to keep going right up until they're age 60 or 62. They have no reason to quit. If they're enjoying what they do, then they should keep on doing that. But financially independent means that you have the control over your time and you have the choice of how you want to spend your life. You don't have to work for money. You could work for money. You could donate all the charity. You could spend your whole time surfing. You could travel the world. It's just whatever you want to do. And the very next question that comes up after I say that you're financially independent is people want to know, well, what are you going to do? I can fill that time up just fine. And that's what everybody else eventually learns to do. The other question is, what's the number? What do I need? How much is it going to be? And the answer is, it depends. I hate hearing that number. I hate hearing that comment from financial specialists, but that's the answer. The tripwire, the thing that makes you say, I might be financially independent, is when you have enough assets, savings and investments, things that you can convert to money, when you have enough assets that you have 25 times your annual spending, then you're probably financially independent. Now, I'm putting a whole bunch of weasel words in there and caveats and maybes and supposedlys in there, and that's because it's a tripwire. And the idea is that if you spend $40,000 a year, I've done this math already, if you spend $40,000 a year, then your 25 times your annual spending would be a million dollars. So many people spend about $40,000 a year. That works out to a little less than $4,000 a month. If that's your expenses, then you look at your annual expenses. I mean everything, taxes, groceries, mortgage, rent, whatever you spend your money on, vacations, family meetings, whatever you want to spend your money on, all of your annual expenses. 25 times that and you're financially independent. So if you could get your annual spending down to $25,000 a year, just a little over $2,000 a month, now the math means that you only need $625,000 of assets, of savings. And that's probably going to last you for 30 years. And when I say probably, I mean the opportunity, the chances that the odds are that it's going to be 80% maybe even higher that you'll get through 30 years. The reality is that the computer systems that simulate the stock market and the economy and all the other factors that go into this number that I just quoted, that study can't replicate everything that people do. It can't imitate human behavior like we do. So when I say 25 times your annual spending, what I mean is the computer studies show that is a very high probability of working out and it's a probability higher than 80%. And it's probably going to be 100%. It's like giving you a lottery ticket and telling you that 80 of these 10 lottery tickets are going to win the lottery and you're never going to need to play the lottery again. And so you're quickly going to use those lottery tickets and look at them and figure out how that works. You're not going to say, well, I need to work for another year or two to see if any of these lottery tickets pay off. So 25 times your annual spending and then you can really start digging into the numbers and figuring out if you really are financially independent. Okay. That's a good little calculation to figure it out. But guys, as always, we're going to take a quick break and after the break we're going to get into a little bit more of the TSP that, okay, you say put your money in the TSP but the TSP has so many different funds you don't know what to do. Okay. Mr. Norman, can you give me some more about that? But stay tuned. Stay locked in for more with the Prince of Investing right here on Think Tech Hawaii. I'm Jay Fidel, CEO of Think Tech Hawaii. For the first time Think Tech is participating in an online web-based fundraising campaign to raise $40,000. Give thanks to Think Tech. That's the name of the campaign. It'll run only during the month of November and you can help. Please donate what you can so that Think Tech can continue to raise public awareness and promote civic engagement through free programming like mine. I've already made my donation and I look forward to yours. Please send in your tax-deductible contribution by going to this website, www.thanksforthinktech.cozvox.com. On behalf of the community enriched by Think Tech Hawaii's 30-plus weekly shows, thank you. Mahalo, sincere Mahalo for your generosity. I'm Jay Fidel. Aloha. Guys, and we're back live here on the Prince of Investment. I'm your host, the Prince of Investing, Prince Dax. As you guys who've already tuned in before, we're here with the author of The Military Guide to Financial Independence and Retirement. This is our Veterans' Day, Veterans Week special. And in the studio, I have the pleasure and the honor of having Mr. Doug Norman, the author of this book. And we're going deep into not, deep as we can for the show, right? We've got a limited amount of time. Limited amount of time. But we want to do, he spoke about it earlier where he said, hey, listen you, you have so many throwing your money into the TSP, adding your contributions and things like that. But one of the things he didn't mention is that when you put your money into the TSP, you have the G fund, the I fund, the C fund, the S fund, Lifecycle 20, Lifecycle 40, whatever the case may be. You did great if you already had the TSP. If you didn't choose one of those funds, if you don't know what I'm talking about, you're probably in the G fund. Mr. Doug Nummer, what would you tell someone out there who is like, well, what should I invest in? Well, before we took that break, we got to the point where people figured out if they had a Thrift Savings Plan account and then they figured out if they had a password still and could log into it and this is very common and then figured out if they were actually contributing to the Thrift Savings Plan account from their MyPay account. So now you've got a faucet of money turned on and a stream of income is going in that Thrift Savings Plan and you're absolutely right. Inflation is very, very safe but because it's so safe it has such a low rate of return that it loses money to inflation just about every year. So the G fault is an easy answer if you're never going to look at the Thrift Savings Plan again but if you go your entire career and look at your G fund when your career is over you're going to be very unhappy at the low numbers you see there. What I advise people to do is invest in whatever their asset allocation is, whatever they're comfortable with in owning in the stock market or in bonds you've got this whole alphabet soup of things you can invest in in the Thrift Savings Plan and you listed some of them earlier the CEF, GEI and all the L funds and there's S fund too and it's hard to figure out what you want to invest in. The easiest thing to do would be to invest in an index fund like the stock market that's called the C fund and that mimics the standard and pours 500 index. If you want to get fancy and do more investing and do the entire stock market you could add some of the S fund that stands for small capitalization stocks or smaller stocks that aren't available. And then there's the I fund which stands for international stocks international funds which are nothing in the American stock market. Those are all stock funds. Some people don't feel comfortable with having an asset allocation that's very aggressive and by aggressive I mean volatile and by volatile I mean most years you'll make between 4 to 6% maybe you'll have a year or two or 8 or 10% you'll have an incredible year like this year has been for some people making 15 even 20% volatility. 2008. Right. Nobody complains about upward volatility but when it's negative then everybody's unhappy and negative volatility means that you might actually lose money in the stock market on paper. If you don't cash out then you haven't actually turned that paper loss into a loss of actual money but if you hold on to those shares they eventually will recover. And what we found out is over the long term if you can hang on to your asset allocation in the stock market for a long time and for most people a long time is 10 years you're going to put money in a thrift savings plan in stocks that you probably aren't going to touch for 10 years and that's what I mean about asset allocation you have to be comfortable with having some of the C funds some of the I funds some of the S fund and deciding what combination of those three is going to let you sleep at night. You can have all the cold hearted calculations you want all the financial logic you need to figure out your asset allocation but if you can't sleep at night or even worse then you're not going to be happy no matter how well the stock market does so you have to pick that asset allocation that works for you or to keep it even simpler let the thrift savings plan pick your asset allocation for you and that's the other acronym you're talking about the L funds L stands for life cycle and it's where you are in your life and where you are in your investing life and the L fund is a series of funds of different asset allocations from all the other funds in the thrift savings plan for example there's a fund that's going to mature after that called the L2030 fund those are the years that they are actually finished with their investments those are heavily into safer investments like bonds and some cash then there's the L2050 fund which you mentioned at the beginning and the L2050 fund is the most aggressive fund right now for the thrift savings plan and it's got mostly the CS and I funds as well as some of the other thrift savings plan funds so you pick an asset allocation that's comfortable for you you can mix and match the CNS and I funds and the whole point is to turn on the faucet to put the money into the thrift savings plan and to keep raising your contributions whenever you can but to just move about your business and not worry about the thrift savings plan every day you can drive yourself crazy but if you just put the money in there and keep on investing and save as much as you can for as long as you can you reach financial independence even if the stock market has a bad year or two okay now the thing about it that you made some great points when you got the C it's common stocks right pretty much the S&P 500 exactly then you have the I fund which is I for international and then they ask for small cap that's right and then you say hey you can go to the life cycle where it kind of does asset allocation for you and what it does is to say hey we're gonna depending on how aggressive you want to be then it becomes more conservative supposedly as time goes on to your target date now to someone out there you have the C fund you have the S&P 500 which is the top 500 companies in America now when we look at a lot of the top 500 companies in America wouldn't you say a lot of them are already international am I already diversified you're absolutely right you're absolutely right so some people may say hey if I had the C and the I am I overly invested into the international markets you could be it's all whether you're comfortable with international asset allocations and how comfortable equity asset allocation high stock asset allocation you could put all your money in the C fund if you wanted to in the Thrift Savings Plan that would give you some international exposure but if you wanted to add more then you could do that you could add an international fund now I have some money in my investments I can't invest in the Thrift Savings Plan anymore but I still have a Thrift Savings Plan account before I start withdrawing from it and you can leave that invested in the stock market invested in anything you want to invest in in the S funds so if you had the chance to do it all over again walking into the military that's right how would you asset allocate your TSP you was walking into the military I'd buy a really big pickup truck I would choose an asset allocation it was very aggressive and the reason I say that is because I do math I'm fairly comfortable with volatility and as an experienced investor I know I can handle it in the long term I guarantee you're going to be pretty busy you're probably not going to get laid off any time soon unless you really mess up with that with that income with that assured income then you know you're not going to have to save a lot of money for unemployment insurance for example or for having a layoff or losing your job instead you know you're probably going to be there for the next four or six or ten years whether you thought that was a good idea or not and because of that you can put your contribution into the Thrift at least 50% in the C fund and personally I'd go higher than that I'd go up as high as 80% in the C fund and then 10% in the small cap fund in the S fund and 10% in the I fund international fund now there have been times 2008 was one of them and 2009 was one of them where we went in even heavier with the S fund and the I fund and we just tried to stick to our asset allocation and so back then we were supposed to rebalance you heard that asset reallocation and stuff so in 2008 it took a downturn you invested more what happened was some things dropped more than others and so when the stock market was dropping like crazy we were putting more cash into the stock market and in some things that were dropping less than others you might actually take money out of one asset and put into another asset and it's hard to do I wish I would know about this today you know in 2008 when I came in I was rather young in my military career and I thought like wow just get out of the market and I didn't know you know what I know today to say hey this is the best time to buy this is when you need to be investing more aggressively in a downturn what I was thinking about was maybe I need to overdraw whatever the case may be but that's due to a lack of financial literacy so I applaud you for that because it's easier said than done to see let's say if no career launches a missile tomorrow and the market starts to collapse it's very hard to say oh it's the best time yes looking back on when you watch the charts you're like oh that's the perfect time to buy but we was on two wars we was in Iraq in Afghanistan we were gas prices at all time high you know we was going through an election we had all these things that were going on you had all these big banks that was closing down you're talking about Ford collapsing Bank of America so it's a very scary time in the financial industry now let's buy more shares right the stock market has a sale and everybody runs away screaming that's true now someone who's listening to this how did Doug Norman what was his steps to becoming financially independent after his military life well I did it during my military life and back in the 1980s and 1990s we were using stone tablets and mallets and chisels to figure out our investment asset allocation this was before the world wide web really got started there was not the motley fool there was not CNBC well it was on TV but it was just getting started a lot of the tools today just did not exist back in the 1980s and all my spouse and I knew to do was to save as much as we could and because we knew we were going to be employed for a while we knew that we could put that into the stock market into a high asset allocation of stocks equities and just keep doing that for the long term and so my advice today would be once you've tracked your spending and figured out what you're wasting money on and you start saving some money try to invest as much as you can in a thrift savings plan and I would say in a thrift savings plan do that and then just try to keep raising it when you enter the military you're used to a very low standard of living I remember my submarine days and being deployed and out there and all the little things I really needed to keep my life are much different than they were apparently today so you know where the dividing line is between being frugal and not wasting your money and having deprivation because you're deployed and you feel challenged and fulfilled at saving so save as much as you can feel challenged and fulfilled at taking care of your future but don't feel like you're not going out not spending any money not having any fun and once you are a reach in that savings level keep raising the amount of money you put in a thrift savings plan eventually you'll maximize the contributions the thrift savings plan and as high as you can get your savings rate for as long as you can we'll get you to financial independence and in my case it was that high savings rate that got us to financial independence by the time I retired from the military from 1982 to 2002 actually at the end of the 1990s we were pretty close to financial independence we made all the mistakes right we chased hut performance we chased funds with fees because they were really good funds and so you paid a fee just to invest and we paid extra expense ratios back in the old days we would commonly pay one to one and a half percent per year that's a lot compared to today anything over 0.25% today is a lot but back then we made all these mistakes we did all the things you're not supposed to do we were active investors and active funds we weren't just putting the money away in passive asset allocations and yet that savings rate that high savings rate overcame all of our other mistakes and that's what got us to financial independence and so the most important thing people can do is start today start saving you can figure out that threat savings plan later you can figure out your asset allocation as you go but the most important thing is to start saving start putting it back that's very good that you said that well we got Mr. Doug Norman is there anything you want to put out there and say to all the listeners and followers around the globe no you're everybody's welcome to read the book and the book is also available in over 100 libraries around the world both on military bases and out at local community public libraries all the proceeds from that book all the revenues that I make from my writing I donate that all to military friendly charities like Warrior Project Fisher House Foundation so once you read the book feel free to donate it to a library or pass it on to somebody who needs it the people that tend to spend money on the book and keep it are the ones that want to read the e-book version that e-book version is a lot easier to handle because you can search for keywords and highlight but you don't actually need to buy you got to see right here on the screen here you have the military guide to financial independence and retirement it's available on Amazon we got the host right here all of the proceeds go to a charity of military veterans this is our veterans edition and I hope that a lot of you guys will tune into this who you know yes we have military training and stuff like that but it's very rare you see someone who has done it who has went through and done it when he's mentioned those things when he started talking about I heard myself talking about things I didn't know but I'm glad I picked up on it but here you are exactly right here I am by reading books like this by learning by getting around you know some of the greatest investors of our time and picking the brain of Mr. Doug normally things like that because you know he has a little gray hair right here that helps a lot right that helps a lot you know that comes with a lot of wisdom people can find that on the internet the military guide it's all over here more importantly it's also on the website on the blog and people can find that on the internet that's themilitaryguide.com it's one of the top rank results for the keywords military personal finance or military oh that's you you do military yet you do the military guide the military guide yeah oh he has I thought you did military the military guide that's you I like for the site I founded the site and it's run by another person now I still write for the site I'm going to use the guy who's running the site is also an army service member he's just about to retire and he is also probably financial independent but he's an entrepreneur he loves what he does he's never going to stop and I take so much pleasure in watching him do things like start the financial conference that we were talking about earlier so he's a perfect example of what are you going to do all day and you're still challenged and fulfilled but look online look at the website ask me questions send me emails however you want to do it I can get in contact with again I'm all over the internet and I can even put my email address right there on a YouTube channel if you want when you put your show up you can see it right now they can listen to you right now NordsNords at gmail.com N-O-R-D-S N-O-R-D-S at gmail.com there you go Nords is a nickname an old X-O gave me okay a family friendly nickname got it Nords alright so there we go we got the military guide to financial independence and retirement and to all my comrades out there I want to say thank you guys for your service around the globe and around the world especially the bubbleheads out there on submarines across the globe keeping us safe and silent the silent service but thank you guys for tuning in as always each neighbor Tuesday we come into you guys live and wherever you get us don't forget to hit the like, subscribe, comment and share button don't forget to tune in again and until the next video podcast whatever you see me do crazy around the globe peace be safe I'm out and thank you