Hey financial guys and gals! Welcome to the OSCTHESC Financial Guys Podcast, your go-to source for demystifying the world of finance. We're all about making money matters understandable, relatable, and even a little bit fun. Forget the stuffy jargon and confusing concepts – we're here to break down everything from budgeting basics to investment strategies in a way that's easy to digest. Whether you're a seasoned investor or just starting to think about your financial future, this is the place to be. We're your financial buddies, here to guide you through the ups and downs of the market and help you achieve your financial goals. So, grab a coffee, sit back, and let's dive into the world of money together! We'll cover a wide range of topics, from understanding different investment options, like stocks, bonds, and real estate, to planning for retirement and managing debt. We'll also chat about the latest financial trends, economic news, and how they might impact your personal finances. This is more than just a podcast; it's a community. We encourage you to ask questions, share your experiences, and connect with other listeners. After all, learning about money shouldn't be a solitary journey. We're here to create a supportive environment where everyone feels comfortable asking questions and exploring the complexities of the financial world. Our goal is to empower you with the knowledge and confidence to make informed financial decisions. So, get ready to take control of your financial destiny and join us on this exciting adventure!

Decoding the OSCTHESC Financial Guys Podcast

OSCTHESC stands for something important to us, something that guides our approach to financial education: Open, Straightforward, Comprehensive, Trustworthy, Honest, and Empathetic. These are the core values that underpin everything we do. We believe in providing open and transparent information, avoiding complicated terms and explaining concepts in plain English. We want to be straightforward and honest about the realities of finance, offering our opinions and experiences without hidden agendas. Comprehensive means we cover a wide range of financial topics, ensuring you have a well-rounded understanding. Trust is critical to us; we want to build a relationship based on confidence and reliability. We are honest in our assessments, never sugar-coating or promoting any product or service unless it's genuinely useful. Most importantly, we strive to be empathetic, understanding that everyone's financial situation is different, and delivering tailored advice. These principles shape the way we present information and create content that is valuable and relevant to you. We strive to be a reliable source of information, to help you navigate the complexities of personal finance and make decisions with confidence. We're committed to delivering high-quality, practical advice and resources to help you achieve your financial goals. We're here to empower you with the knowledge and tools you need to take control of your finances. We understand that personal finance can be overwhelming. We're dedicated to making the learning process engaging, enjoyable, and accessible to everyone. We want to provide you with the tools you need to succeed, whether that means setting financial goals, budgeting your income, saving money, investing, or planning for retirement. We want to create an inclusive community where everyone feels welcome and supported on their financial journey.

Why Listen to the OSCTHESC Financial Guys Podcast?

So, why should you tune in to the OSCTHESC Financial Guys Podcast? Well, first and foremost, we promise to deliver valuable, actionable insights. We're not just going to talk about theory; we're going to give you practical tips and strategies you can implement right away. We'll break down complex financial concepts into easily understandable terms, so you don't need a finance degree to follow along. We also promise to keep things real. We're not going to pretend that building wealth is easy; we will discuss both the successes and the challenges of the financial world. We will be transparent about our own experiences, sharing our own wins and losses so you can learn from them. The OSCTHESC Financial Guys Podcast offers a unique blend of expertise, approachability, and community, setting us apart from other financial podcasts. We strive to be approachable, so you feel comfortable asking questions and engaging in conversations about your financial situation. We aim to be a community where you can connect with like-minded individuals, share insights, and get support as you work toward your financial goals. Our mission is to empower you to make informed financial decisions, build wealth, and achieve financial freedom. We want to give you the tools and insights you need to take control of your financial future. We are dedicated to providing you with the knowledge and motivation to succeed. Our podcast is tailored to help you navigate the ever-changing financial landscape.

Budgeting and Saving: The Foundation of Financial Success

Alright, let's talk about the bedrock of financial stability: budgeting and saving. This is where it all starts, guys. Before you can even think about investing or planning for retirement, you've got to get a handle on your income and expenses. Creating a budget might sound like a drag, but it's really about taking control of your money and making sure it goes where you want it to. We'll walk you through different budgeting methods, like the 50/30/20 rule (50% for needs, 30% for wants, 20% for savings and debt repayment) and zero-based budgeting. There are tons of budgeting apps and tools out there that can make the process easier. One important tip: track your spending. Seriously, knowing where your money is going is the first step in making smart choices. Saving is just as important as budgeting. Set financial goals, whether it is a down payment on a house, a new car, or an emergency fund. Next, make saving automatic. Set up a savings account and arrange for a portion of each paycheck to be directly deposited into it. Start small if you need to, but make it a habit. Even small savings add up over time. Review your budget and savings plan regularly. Financial situations can change, and you may need to adjust your budget and saving goals. Ensure your plans align with your overall financial objectives. Consider ways to cut expenses, especially on recurring expenses such as subscriptions or dining out. Finding areas where you can trim your spending can free up more money for savings and investments. We will review how to create a budget and track your spending habits, exploring various budgeting methods, from the 50/30/20 rule to zero-based budgeting. We will introduce you to several apps and tools to simplify the process. We will offer advice on creating an emergency fund to cover unexpected expenses and the importance of having multiple savings accounts for different goals. We believe in providing practical steps to achieving your saving goals. Budgeting and saving are fundamental principles of personal finance that provide a solid foundation for financial well-being. By controlling your income and expenses, you gain control over your money, setting the stage for achieving your financial goals. With consistency and discipline, you can build a stable financial future.

Budgeting Methods: Finding the Right Fit

There's no one-size-fits-all approach to budgeting. The best method for you depends on your personality, financial situation, and goals. The 50/30/20 rule is a great starting point, especially for beginners. It involves allocating 50% of your income to needs (housing, food, transportation), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. Zero-based budgeting requires more detailed tracking. In this method, you assign every dollar of your income to a specific category, leaving you with zero dollars at the end of the month. This helps you to be very deliberate about your spending and identify areas where you can cut back. There are many digital tools available that make the budgeting process easier. Mint, YNAB (You Need a Budget), and Personal Capital are all popular choices, each with different features and capabilities. Choose the tool that best fits your needs and preferences. Start by tracking your spending for a month or two. This will give you a clear picture of where your money is going. Then, create a budget that reflects your priorities and goals. Adjust your budget as needed. Your financial situation and priorities may change over time, so be prepared to adapt your budget. Budgeting is a continuous process that requires discipline and commitment. It can be easy to lose track of your finances, so regularly monitoring your progress and making adjustments is essential. Over time, you'll become more comfortable with your spending habits and find ways to optimize your budget for your financial goals. Regardless of the method you choose, consistency is key. Stick to your budget, and you'll be well on your way to financial success. Consider using multiple methods to see which one works best. Experiment with different options, combine them, or create your own custom solution. The more comfortable you are with the process, the more likely you will stick with it.

Saving Strategies: Building a Financial Cushion

Now, let's talk about building that all-important financial cushion. Having savings is crucial for dealing with emergencies, achieving your goals, and building wealth. Here's a breakdown of some key saving strategies: Emergency fund. This should be your top priority. Aim to save 3-6 months' worth of living expenses in a readily accessible account. This will protect you from unexpected expenses, like job loss or medical bills. Pay yourself first. Make savings a non-negotiable part of your budget. Automatically transfer a portion of each paycheck to your savings account. Start small if you need to, but make it a habit. Identify and eliminate unnecessary expenses. Review your spending habits and find areas where you can cut back. Even small savings can make a big difference over time. Take advantage of employer-sponsored retirement plans. Many employers offer 401(k) plans with matching contributions. This is essentially free money! Consider setting up automatic contributions to the plan. Use apps and tools. Various apps and tools can help you track your spending, automate savings, and monitor your progress. Set financial goals, and identify specific goals like a down payment on a house, a new car, or a dream vacation. Break down each goal into smaller, more manageable steps. It can be a powerful motivator. Regularly review and adjust your saving strategy. Financial situations and priorities change, so it's important to revisit your strategy regularly to ensure that it aligns with your objectives. By implementing these saving strategies, you can steadily build your financial cushion and move closer to achieving your goals. Remember, building wealth is a marathon, not a sprint. Be patient, stay consistent, and celebrate your progress along the way. Your dedication to saving will pay off in the long run.

Investing 101: Growing Your Money

Once you've got your budgeting and saving basics down, it's time to think about investing. Investing is all about making your money work for you, helping it to grow over time. We'll start with the basics. Investing involves putting your money into assets that are expected to generate returns, such as stocks, bonds, or real estate. The goal is to grow your money over time to achieve your financial goals. Investing is the process of allocating capital with the expectation of generating an income or profit. We will explain how the investment process works, from setting your financial goals to selecting the right investments and monitoring your portfolio. One of the most common ways to invest is through the stock market. When you buy stock in a company, you become a part-owner. The value of your investment will increase or decrease based on the performance of the company. Bonds are another investment option. Bonds are essentially loans that you make to a government or corporation. The borrower promises to pay back the principal amount, plus interest, over a set period. Real estate can be a profitable investment, but it requires significant capital and carries responsibilities. Investing in real estate can provide a steady income stream and a valuable asset. Diversification is key. Don't put all your eggs in one basket. Spread your investments across different asset classes, such as stocks, bonds, and real estate. This will help to reduce your risk. Investment options also include mutual funds, exchange-traded funds (ETFs), and real estate investment trusts (REITs). These offer diversified portfolios managed by professionals. There are also financial advisors who can provide personalized investment advice and guidance based on your financial situation and goals. Choosing the right investments can be overwhelming, so we'll break down the different options and help you understand the risks and rewards of each. Whether it's stocks, bonds, or real estate, we'll help you make informed decisions and begin your investment journey.

Stocks, Bonds, and Beyond: Understanding Investment Options

Let's dive deeper into some of the most common investment options: Stocks. When you buy stock in a company, you become a part-owner. The value of your stock can fluctuate based on the company's performance and market conditions. Stocks offer the potential for high returns but also come with higher risk. Bonds. Bonds are essentially loans that you make to a government or corporation. They offer a more stable income stream compared to stocks but typically come with lower returns. Mutual Funds and ETFs. These are baskets of investments managed by professionals. Mutual funds and ETFs offer instant diversification and can be a great option for beginners. Real Estate. Investing in real estate can provide a steady income stream and the potential for appreciation. It also carries responsibilities, such as property management and maintenance. Index Funds. Index funds are a type of mutual fund or ETF that tracks a specific market index, such as the S&P 500. They offer low-cost diversification and can be a good choice for long-term investors. Retirement accounts. Take advantage of retirement accounts, such as 401(k)s and IRAs, which offer tax advantages and help you save for the future. Consider the following: Risk tolerance; investment horizon; diversification; fees and expenses; and professional advice. Risk tolerance is your comfort level with the potential for investment losses. Your investment horizon is the amount of time you have to invest. Diversification involves spreading your investments across different asset classes. Be aware of the fees and expenses associated with different investments. Don't hesitate to seek advice from a financial advisor or investment professional. By understanding these options and factors, you can make informed decisions and build a diversified portfolio that aligns with your goals and risk tolerance. Remember, building a well-rounded portfolio takes time and research. Continuously educate yourself, and you will become more comfortable with your investments.

Risk Management: Protecting Your Investments

Investing involves risk, and it's essential to understand how to manage it. Diversification is the cornerstone of risk management. By spreading your investments across different asset classes, you reduce your exposure to any single investment. If one investment goes down, the others can help offset the losses. Understand your risk tolerance. Are you comfortable with the potential for losses? Your risk tolerance will help determine your investment strategy. Consider factors such as age, income, and financial goals when assessing your risk tolerance. Set realistic expectations. Don't expect to get rich overnight. Investing is a long-term game, and it's important to be patient and avoid emotional decisions. Stay informed. Keep up-to-date with market trends and economic news. The more you know, the better equipped you'll be to make informed decisions. Rebalance your portfolio regularly. Over time, your asset allocation may drift due to market fluctuations. Rebalancing involves selling some investments and buying others to maintain your desired asset allocation. Avoid market timing. It's tempting to try to predict the market and buy low and sell high, but this is incredibly difficult to do consistently. A buy-and-hold strategy is often a better approach. Limit your emotions when investing. Don't let fear or greed drive your investment decisions. Make rational decisions based on your investment strategy. Consider using stop-loss orders. These orders automatically sell your investments if they fall to a certain price. This can help to limit your losses. Seek professional advice. A financial advisor can provide personalized guidance and help you create a risk management strategy that aligns with your financial goals. Consider using stop-loss orders to limit potential losses. Create a written investment plan with your objectives and your risk tolerance. Risk management is an ongoing process. Regularly review your portfolio, make necessary adjustments, and stay informed about market conditions. By following these risk management strategies, you can protect your investments and increase your chances of achieving your financial goals. Remember, managing risk is not about eliminating risk altogether; it is about controlling the types of risks you take and the level of exposure.

Retirement Planning: Securing Your Future

Retirement planning may seem far off, but it's crucial to start early. The sooner you start, the better. Compound interest is your friend! Compound interest is the interest you earn on your initial investment and the accumulated interest. It's the engine that drives long-term growth. Determine your retirement goals. How much money will you need to live comfortably in retirement? Consider your desired lifestyle, expenses, and potential healthcare costs. Estimate your expenses. Identify your expected retirement expenses, including housing, healthcare, transportation, and leisure activities. Factor in inflation to ensure your savings will maintain their purchasing power. Assess your current savings and investments. Calculate the value of your existing retirement accounts and other investments. Estimate how much you will need to save to meet your retirement goals. Consider your time horizon. The amount you need to save and the investments you choose will depend on how far away you are from retirement. A longer time horizon allows for more aggressive investments. Choose the right retirement accounts. Maximize contributions to tax-advantaged retirement accounts, such as 401(k)s and IRAs. Consider the different types of retirement accounts, such as Roth IRAs and traditional IRAs. Develop a savings plan. Create a savings plan based on your estimated expenses, financial goals, and retirement accounts. Consider an investment strategy. Choose an investment strategy based on your risk tolerance and time horizon. Consider the pros and cons of different investment options, such as stocks, bonds, and real estate. Review your plan regularly. Revisit your plan and make adjustments as needed. Reassess your financial goals, investment strategy, and estimated expenses. Maximize your contributions. Contribute as much as possible to your retirement accounts, especially if your employer offers a matching contribution. Consider working with a financial advisor. A financial advisor can provide personalized guidance and help you create a retirement plan that aligns with your financial goals. Retirement planning is a long-term journey, so it's best to start early and be consistent. By creating a plan, saving regularly, and making wise investment choices, you can secure your financial future and enjoy a comfortable retirement.

Retirement Savings Vehicles: 401(k)s, IRAs, and More

Let's explore some of the most common retirement savings vehicles: 401(k)s. These are employer-sponsored retirement plans that allow you to contribute a portion of your salary pre-tax. Many employers offer matching contributions, which can significantly boost your savings. This is an awesome opportunity, so don't miss out on it. Traditional IRAs. Contributions to traditional IRAs may be tax-deductible, and your earnings grow tax-deferred. You'll pay taxes on the money when you withdraw it in retirement. Roth IRAs. Contributions to Roth IRAs are made with after-tax dollars, but your qualified withdrawals in retirement are tax-free. SEP IRAs. Self-Employed Pension IRAs are designed for self-employed individuals and small business owners. SIMPLE IRAs. Savings Incentive Match Plans for Employees are another option for small business owners. Tax-advantaged accounts. Maximize the benefits of these accounts, such as 401(k)s and IRAs, which provide tax advantages that can significantly boost your savings. Understand the contribution limits. Be aware of the annual contribution limits for each type of account. Check with your financial institution or visit the IRS website for the most up-to-date information. Consider tax implications. Be aware of the tax implications of each account. Seek tax advice from a qualified professional. Diversify your investments. Spread your investments across different asset classes, such as stocks, bonds, and real estate, to reduce risk. Review your portfolio regularly. Revisit your portfolio and make adjustments as needed. Work with a financial advisor. A financial advisor can provide personalized guidance and help you choose the right retirement savings vehicles. Selecting the right retirement savings vehicles is a crucial step in securing your financial future. Consider your individual circumstances, such as your income, tax situation, and financial goals, when making your choices. By taking the time to understand your options, you can make informed decisions and build a strong foundation for your retirement.

Social Security and Pension Planning: Filling the Gaps

Social Security and pension plans play a vital role in providing income during retirement, but they may not be enough to cover all your expenses. Social Security is a government program that provides retirement benefits to eligible workers. Understand how Social Security works and estimate your potential benefits. To estimate your benefits, visit the Social Security Administration's website. They have tools that let you estimate benefits based on your earnings history. Decide when to claim benefits. You can begin receiving benefits as early as age 62, but your benefits will be reduced. Consider delaying claiming benefits until later, as this will increase your monthly payments. Research your pension options. Research your pension options if your employer offers a pension plan. Know your pension benefits, and understand how they work. Understand the role of Social Security. Learn how Social Security fits into your overall retirement plan. Pensions, if you are lucky enough to have one, provide a guaranteed income stream, but the amount may not be sufficient for your lifestyle. Consider supplementing. To fill the gaps, you may need to supplement these sources with your savings and investments. Develop a comprehensive retirement plan that considers all income sources and retirement expenses. Consider healthcare costs. Healthcare costs in retirement can be substantial, so factor these into your retirement plan. Review and adjust your plan as needed. Regularly reassess your retirement plan and make adjustments as needed to ensure you are on track. By taking the time to understand Social Security and pension plans and incorporating them into your overall retirement plan, you can secure a financially stable retirement. Make sure you know what to expect. Don't leave your retirement income to chance. Take the time to understand Social Security and pension plans and how they fit into your financial plan.

Debt Management: Getting Out of the Red

Debt can be a major obstacle to achieving your financial goals. Taking control of your debt is crucial for building financial stability. Start by assessing your debt situation. List all your debts, including the amounts owed, interest rates, and minimum payments. Prioritize high-interest debt. Focus on paying off debts with the highest interest rates first, such as credit card debt. This will save you money in the long run. Consider using the debt snowball method. Start by paying off the smallest debt first, regardless of the interest rate. Once that debt is paid off, move on to the next smallest debt. This can create momentum and motivation. Consider using the debt avalanche method. This involves paying off debts with the highest interest rates first. This strategy can save you the most money in interest. Create a debt repayment plan. Develop a realistic plan that includes a budget and a timeline for paying off your debts. Negotiate with creditors. In some cases, you may be able to negotiate lower interest rates or payment terms with your creditors. Consolidate your debt. Consider consolidating your high-interest debt into a single loan with a lower interest rate. Create a budget. A budget will help you track your spending and find ways to save money, so you can pay off your debt. Avoid accumulating more debt. Stop using credit cards or taking out new loans until you've paid off your existing debts. Seek professional help. If you're struggling to manage your debt, consider seeking help from a credit counselor. Debt management is a crucial aspect of personal finance, and taking the right steps can lead to financial freedom. You can improve your financial situation by creating a plan, budgeting, and making smart choices. Paying off your debt will free up more money for savings, investments, and your overall financial well-being.

Credit Cards and Loans: Navigating the Debt Landscape

Let's get into the world of credit cards and loans, guys. Understanding how they work and how to manage them effectively is crucial for staying out of debt and building good credit. Credit cards can be convenient, but they can also be a trap if used irresponsibly. Pay your balance in full each month to avoid interest charges. If you carry a balance, aim to pay more than the minimum payment to reduce the amount of interest you pay. Consider the following: Choose credit cards wisely; use credit cards responsibly; understand the terms and conditions; monitor your credit report; and review your credit card statements. Before applying for a credit card, compare different options and choose the card that best fits your needs. Understand the terms and conditions, including interest rates, fees, and rewards programs. Avoid using credit cards for purchases you can't afford to pay off quickly. Monitor your credit report regularly and review your credit card statements for any errors or fraudulent activity. Loans can be a valuable tool for financing major purchases, such as a home or a car. Read on to gain an insight into loans. Before taking out a loan, compare different options and choose the one with the best terms. Be sure you understand the interest rates, fees, and repayment terms. Borrow only what you need. Make your payments on time. Develop a repayment strategy. Create a budget and a debt repayment plan. Be sure you understand the terms and conditions of your loan. Learn how to manage credit cards and loans responsibly and you'll be well on your way to achieving your financial goals. Build good credit and maintain a positive financial standing.

Strategies for Debt Repayment: From Snowball to Avalanche

Here are some powerful strategies for paying off debt: Debt Snowball Method. This involves paying off the smallest debt first, regardless of the interest rate. This strategy can be motivating, as you'll see small debts disappear quickly. Debt Avalanche Method. This method prioritizes paying off debts with the highest interest rates first. This strategy can save you the most money in interest over the long term. Additional strategies involve: Consolidating debt; negotiating with creditors; creating a budget; and seeking professional help. Debt consolidation involves combining multiple debts into a single loan with a lower interest rate. Contact your creditors to see if they're willing to negotiate lower interest rates or payment terms. Create a budget that tracks your income and expenses, so you can identify areas to cut back on spending and free up money for debt repayment. Seek help from a credit counselor, who can provide guidance on debt management. Pick the repayment strategy that works best for you. Some people prefer the motivation of the debt snowball method, while others prioritize saving money with the debt avalanche method. Create a budget and a debt repayment plan. Develop a realistic plan that includes a budget and a timeline for paying off your debts. Stay focused and avoid accumulating more debt. Make it your primary focus. Stay disciplined and avoid accumulating more debt. Regularly review your progress and adjust your plan as needed. Staying motivated is key to success. Be prepared to face challenges and setbacks, and celebrate your progress along the way. Debt repayment is a challenging journey, but with discipline and dedication, you can achieve your financial freedom. Choose the strategies that best fit your situation, and be patient and persistent, and you will eventually succeed. By implementing these strategies, you'll be well on your way to becoming debt-free.

The Financial Guys Podcast Community: Engaging and Learning Together

We don't want the OSCTHESC Financial Guys Podcast to be just a one-way street. We're all about building a community of financially savvy individuals who can learn from each other. Engage with us. Follow us on social media and join the conversation. Share your thoughts, ask questions, and connect with other listeners. Ask questions. Don't hesitate to ask questions. We want to hear from you. We're here to answer your questions and provide support. Share your experiences. Share your financial successes, challenges, and lessons learned. Sharing experiences can inspire and motivate others. Participate in discussions. Join the discussions in our comments sections and on social media. Share your knowledge and insights, and learn from others. Provide feedback. Let us know what you think of the podcast. Your feedback helps us create better content. We welcome your suggestions and ideas for future episodes. Stay connected. Stay connected with the OSCTHESC Financial Guys Podcast community. We will deliver the latest financial news, tips, and insights. Participate in our community and grow your financial knowledge. Engaging and learning together is a core principle of our podcast. Our goal is to create a welcoming and inclusive environment where everyone feels comfortable sharing and learning. We're building a vibrant community where you can connect with like-minded individuals, share insights, and get support as you work towards your financial goals. Participate in our community and grow your financial knowledge. We're passionate about empowering people and helping them navigate the complexities of personal finance.

The Future of the OSCTHESC Financial Guys Podcast

So, what's next for the OSCTHESC Financial Guys Podcast? We're always looking for ways to improve and expand our content. We're committed to bringing you the most up-to-date information, practical tips, and engaging discussions. Here's a sneak peek at what you can expect: More in-depth episodes. We'll delve deeper into specific topics, providing detailed explanations and actionable advice. Guest experts. We'll bring in guest experts to share their knowledge and insights. Interactive content. We'll introduce interactive content, such as polls, quizzes, and Q&A sessions, to engage our listeners. Expanded coverage. We'll cover a wider range of financial topics, including taxes, insurance, and estate planning. Community building. We'll focus on building and strengthening our community. We aim to create an even more supportive and interactive environment. Continuous improvement. We are dedicated to delivering a podcast that is valuable, informative, and fun. Your feedback is very important to us. We will always try our best to provide the best possible content. With you, our audience, we will make our podcast even better. We're excited about the future of the OSCTHESC Financial Guys Podcast and the opportunity to help you on your financial journey. We are here to help you achieve your financial goals. Stay tuned for exciting developments and continue to be a part of our community. Join us as we strive to make financial literacy accessible to all. We want to be your trusted financial resource.

Contacting the OSCTHESC Financial Guys

How can you connect with us? We love hearing from our listeners! Here are the best ways to get in touch: Email. Send us an email with your questions, feedback, or suggestions. We will try our best to get back to you as soon as possible. Social media. Follow us on our social media channels to stay updated on the latest episodes and engage in discussions. Website. Visit our website for show notes, articles, and additional resources. Podcast platforms. Subscribe to the podcast on your favorite platform. Rate and review our podcast to help other listeners discover us. Direct messages. Send us direct messages on social media with any questions. We will try our best to respond as soon as we can. We're committed to creating a community. We value your feedback. We look forward to hearing from you. We're always eager to answer your questions, get your feedback, and provide support. Your input helps us make the OSCTHESC Financial Guys Podcast even better. Your active participation is invaluable in creating a thriving community. We hope you will continue to engage with us. We're here to help you navigate the world of finance.