Charting Your Path to Financial Independence

Updated : Oct 26, 2019 in Articles

Charting Your Path to Financial Independence


– Route Review, Charting Your Path To
Financial Independence. We’ve got to give a big thank
you to Progressive Commercial, this is the culmination of an entire year of doing special episodes
for the Money Tune-Up, and I think it’s incredible
that Progressive Commercial came to us, because you guys if
you go to moneyguy.com, and look at the Money Guy Show, you’ll notice that we
don’t have advertisements, we don’t have partnerships
or endorsements, because the biggest part of
what we do for our listeners and our YouTube followers
is we are trying to create an abundant cycle where we just
give away free information, let people come and be as
successful as possible, so to have Progressive
Commercial come to us and say we want to partner with you, and immediately I didn’t
know if it was the right fit, and then they said no, we don’t want anything
specific other than create content that will be
beneficial to our customers, the three and a half million
owner operators, truckers, that are making America strong, that’s what Progressive
Commercial wanted us to do, so this is the culmination
of that entire year and series of shows we did, we kind of give you an overview
of things that you need to go back and review as well as learn right now and implement, so you have the best 2018 is going to be the best year for your business, that you’ve ever had, because you’re taking these type of steps. – If you haven’t listened
to all the other shows, go to truckerterritory.com, the content is all out there, you can check it out and review, what I feel like if I feel
like we sat the whole semester, we’ve been in class the whole time, it’s almost time for the final, and this is the review, we’re going through the
review to make sure that we are going to ace the
financial independence final. – And take action plan too, this is what this really is, this is where the action
is actually going to occur, so the first thing I want to cover, and I think it’s quite timely, because we just had
what’s going out there in the real world and everywhere else, you can’t get away from the fact that we have brand-new tax legislation, that was passed at the end of 2017, so we did an episode called Tax Time, Tips and Tricks for
Bigger and Better Returns, I want to make sure that
everybody understands, taxes, death and taxes, you’re going to pay taxes
no matter what happens, so this is the perfect
time to think about all the changes that have occurred
with the new tax legislation, as well as implementing
some of the things that we talked about in previous shows, so Bo, let’s kind of go
over some of these things, because I woke down three notes, the first one was take advantage of the biggest deduction out there which is your retirement plan. So what do we mean when we say this is your biggest tax deduction? – Yeah so the retirement
plan is the single best place where you can legally hide
money from the government, because what they say
is if you put some money in this retirement plan you
don’t have to pay tax on that, so it immediately gives you
some current year tax savings, and it’s a mechanism for
you to begin building wealth for the future, which is a fantastic opportunity. – What I like is that it allows
you also to go back in time, a lot of you guys maybe
you had a good 2017, because I’ve seen articles out there, you owner operators because
of the surge in the economy, they say that rates are
going up on shipments and other things, hopefully you guys are
taking advantage of that, and you are the beneficiaries of this rush and your rates are going up, so if you find out that when
you get your taxes done, that oh my goodness you
have a tax liability that you weren’t counting on, you can go back in time by doing a SEP IRA you have up until the
actual filing deadline, and if you file an extension
you still get that time too, so you could essentially push
out funding your retirement, taking a deduction for 2017, all the way through
like September of 2018, so make sure you’re
taking advantage of that. Number two, this is a big one because of
what’s going on right now, not being organized, right now is the perfect
time to create two things, both a physical folder as
well as a digital folder that is all the documentation is coming in for tax preparation, put it in those files so that nothing is slipping through the cracks, and you are actually taking
a very proactive measure to making sure your taxes are done right. – If right now you’re
someone who was scrambling, because here is the end of the year, and it’s time to do your taxes, and your thinking oh no
I’ve got to pull everything together and I’ve got
to figure it all out, that might be a great wake up
call for you to think about, okay I’m not going to repeat
this mistake in the future, I’m gonna stay organized all year long, so that when it comes time to do my taxes, I’ve got a plan in place, I’ve got a strategy in place, As with most things, organization is going to make
your life a whole lot easier. – No doubt, last thing I’d put under here, number three was bad business structure, guys a big part of the
new tax legislation, is that it’s going to allow
a 20 percent tax deduction for small business owners on
their flow-through income, you guys are going to be
a beneficiary of that, make sure you understand how
that is going to play out, and that you have structured
your business correctly to take advantage of that. Moving onto the next episode we did, was Bookkeeping Bootcamp. – Oh that’s exciting. – What I like about this is, we had given seven titles, and we had talked about it, was that a lot of you guys, because I did taxes for over 16 years, tax preparation for small business owners, we even worked for a firm when
I was in public accounting, we did a lot of trucking business, and people are so disorganized, small business owners especially, they do what is called shoebox accounting, and what shoebox accounting means, it doesn’t have to be a shoebox, it could just be a shelf or in
your glove box in your truck, or something where all your receipts are just going into a central place, but nobody is looking at it, nobody is being proactive with it, and just opportunities
as well as organization is just flying out of the window, and I think that breaks my heart, because success is gonna require that you probably take your
finances to another level, and the first thing, do it through an accounting software, if you go listen to this episode, we are gonna talk about these specialized accounting softwares, as well as some of the
generalized packages that are out there, but it’s gonna be much better
than trying to do an Excel or a spreadsheet or whatever one, the Google spreadsheet that they have, so don’t let that be
your accounting software, I think you’re gonna
need to go a step further to do a good job. – And then the second thing is, maybe you’re someone who, you don’t do numbers, you don’t do math, you don’t do taxes, it’s not in your wheelhouse, or maybe you’ve grown to
a level of success where your financial situation is
a little more complicated, maybe you have a couple
of different trucks, and you’ve got employees underneath you, it may be that time to hire
a professional bookkeeper, someone to come in and help
keep you organized so you can focus on the things that
you’re the very best at. – Well for one point, it’s completely deductible, it’s a business expense
to hire a bookkeeper, and here’s if you’re
wondering do I resemble the type of person who needs a bookkeeper, let me give you some indicators, number one, are you perpetually two
to four months behind on updating your books, I mean one of the things
about owning a business and being a successful business person, is that you are actually
working in the business and actually reviewing the
data that is coming from it, so if you find that your two, four, even six months behind, you probably need a bookkeeper. Number two, your tax preparer is charging
you extra when it’s tax time, because your stuff is a mess, you’re not keeping up with it, if you’re paying more at tax prep time, you might as well just
take those resources, and let it actually help make your quality of life even better. – And then the third one is, if you’ve got yourself
in trouble in the past with IRS or any other reporting agency, you’re just not keeping up with your regulatory requirements, it may be time to get some help in there, because you don’t want to make them mad, because they are the ones who
can come and take your stuff. – I have to explain this to people, bookkeepers are deductible, penalties are not, so it’s much better to
pay the bookkeeper so you don’t have to pay these
penalties at a later point, that is a great way to transition to topic number three we did, which was mapping the route to success. By the way I always
want to say route route I don’t know if it’s potato potato, you know, have you tried to? – Yeah I think it’s both of them. – Route sounds better, or route sounds better, you say we get ourselves in these twists, but mapping the route to success, it’s imperative that you have a plan to reach financial success, and I think that’s where a lot of people, Bo, you say it all the time, what are you saying, I hate to take it away from you? – It’s begin with the end in mind, you would never pick up
a shipment and just start driving without at least having a map or an idea of where you’re going, or a direction in which you’re heading, your finance is the same way, you have to know where you’re going so you can figure out the best way to get there. – And that leads to, if you’re trying to figure
out the best way to get there, it’s probably better to know
why you’re doing anything, what is the entire purpose of you having this business that you started, of being an owner operator, so start asking yourself some questions, you can go through some
processes internally to figure this out, do you want to make more money, is that why you did this, well are you taking steps to
actually make that a reality? Do you want to spend more
time with the family? Maybe you decided to go out on your own, because you thought hey
I don’t like the hours, and I don’t like somebody
telling me when, where and how I have to be some place, so I want to be my own person, but are you at the end of the day, are you spending more
time with the family, Have you been deliberate
with setting that up? So how do you structure your business to take advantage of these things, and also prioritize as Bo
said so you’re starting with the end in sight so you know what the even purpose of this trip is, all of that is found on that
mapping the route to success. We also brought, I like this in the episode, this is where we had a guest on, we had Sid come in, and he said what are some
things that you wish somebody had told you when you
first started the process of becoming an owner operator? These are things, because there’s a lot of wisdom, I joke about the fact that, do you know what wisdom is? Wisdom is when you have
enough experience of failures, that you now know how not to do it again. So I think the easiest
way to have this wisdom, without you making these mistakes, is to hopefully learn it
from a resource like what we’ve done for Trucker Territory
and Progressive Commercial. – And I think one of the
best things that Sid told us, and I think I’ve even
used this to non-truckers, is you have to prepare for the unknown, what was it he said, prepare for the clunk. – And I liked it because
it had a sound effect, like an old Batman TV show, where the things pop up, so you plan for the clunk. And then he also, I thought this was pretty
profound what Sid said, because this is great device
for anything you’re doing, both financially, for your business as
well as with your family, is keep these three things top of mind, and keep them running, and those were, keep the tractor running, keep your body running, need meaning that you need to
make sure you’re exercising, and taking your time
to be deliberate about what you’re eating out there on the road, and then keep your finances running, make that a priority for you, and that’s definitely
going to make you make sure that you are accomplishing and you have that map for success. – One thing that I think
is really incredible, is you just think about
those three things, you tractor, your body and your finances, Progressive Commercial has actually made an opportunity available, where you can go out to
TruckerTerritory.com, and there are areas where you can help with every single one of those, how to keep your tractor running, how to keep your finances in line through these money tuneups, and even how to make food–
– Food choices, exercise. – That’s exactly correct.
– It’s great, it’s good stuff. – Go out to trigger
territory and check that out. – And then this transition
to our next episode, which was making smart
cash flow decisions, because we want to go even deeper, so far we’ve kind of talked about taxes, we got specific about it, but then some of it is on
mapping the route to success, we kind of talked in big picture terms, so we wanted to go deeper
and talk about what is the actual cash flow decisions. The first thing I did, and this was a little shock and awe, I shared this stat that according to Go Banking rate survey, 69 percent of Americans don’t even have a thousand dollars in savings. That breaks my heart
when I hear that stat. – 70 percent of folks
aren’t ready for the clunk. Because most clunks probably
get close to a thousand bucks, that seems realistic. – I bet you can’t pull
it into the shop without a few thousand bucks pulling out, just because, and this is the thing I
wrote it down for something else we were working on, another project, is that unfortunately emergencies
and unforeseen things, don’t RSVP that they’re coming, – That is so true. – It’s something that I want you, so you’re probably saying that, maybe you are in that category, if you don’t have a thousand dollars yet, so at least here’s what
I want you to prioritize, start with trying to
build up 5000 dollars, and then you want to build
a plan so that you have three to six months of
living in business expenses and cash reserves, because this is what’s
gonna give you the peace of mind to sleep better, and just have a better business, plus you’re gonna be able
to buy the tools easier that you need to have at
that successful company that you want to have, you know this is the one we
had Linda on to help us out, Linda Kafee, and she had shared her
number actually goes past the six months, so I think that is a very personalized, but we at least want
you to be aspirational, try to get to the 5000, and then get to a three
to six month emergency reserve cushion so that you’re okay. And then watch out for those pitfalls and traps that can really
get your finances behind, I think a lot of people, you’re out there on the road, you go into these rest stops, and you get distracted
by all the accessories, and other things they’re doing, and also you can let the credit cards, if you’re not keeping up with them, they can build up penalties
they can build up interest, the cash advances because maybe you have not made good decisions on the road, so you go and you take a
cash advance and then you get hit up blindsided by
fees and other things, so make sure that you’re
watching out for what’s going on with your cash flow
on your day-to-day actions as being an owner operator. – An emergency reserve, a rainy day fund, a clump fun, can help you to not get in that situation, where you have to make the cash advance, or you have to run up
the credit card debt, so these problems kind
of help solve themselves, if you do it right. – And then what I like is it creates a nice transition point, you’re doing the right cash flow decision, that leads to the next
episode we did which was, Blue Sky Freedom With Retirement Plan. So what I like about
the title that we did, the blue sky freedom, is I want to create a visual for you guys, I think we all are really thinking about financial independence, what’s the why of why were doing things, but I think we all get excited about what does that journey look
like for every one of us, so when I talk about blue sky, that gives you that feeling
of man we are driving and working towards
something really important, so I wanted to talk
about what are some steps you can do to make that happen? So the first thing that was
brought to our attention was, and Sid kind of mentioned this, is you’ve got to make finances a priority, so make retirement a bill, and Linda is actually the
one that called it make it a bill just like you would your fuel, or maintenance or anything else, make a priority of paying yourself first, no different to food or
fuel as Linda put it. – In the Money Guy world, we call this forced scarcity. If your truck is running low on gas, you’ve got to put gas in it, if you treated your savings and building for retirement in the same way, that it just happened automatically and you never have to think about it, you’ll be amazed at how
quickly those assets built up. – Maybe you’re one of these people, when we talk about cash
flow when we talk about, you’re like man, it doesn’t matter how hard I work it seems like there’s no money left in the pot, or in the back pocket
at the end of the month, you might need to understand
the power of budgeting. And we give you some tools
on how to budget better and make better decisions
with your personal finances, so understand, so there are resources out there, to understand how important it is to track your day-to-day expenses. And then we wanted to
get everybody excited about saving for retirement, so we had talked about let the government fund your retirement, previously we talked about SEP IRAs, and other things, here’s the thing people have a hard time getting the visual of, is we love tax deductions, because you are a small business owner, you like the fact that when you are, doing things that are deductible, you know Uncle Sam is
paying a portion of it, so for instance if your tax
rate is around 25 percent, you know that when you
go and buy something for your tractor, the government is probably
paying 25 percent of it, the same thing can be said
about your retirement savings, if you’re saving a
thousand dollars a month, you know that potentially the government is funding 250 dollars
of that thousand dollars through tax savings, take advantage of that, that is a big opportunity. We’ve mentioned previously the SEP IRAs, we talked about if you’re not ready to do something bigger like a 401(k), if your business is kind of successful, understand that there is
just traditional IRAs, or Roth IRAs, and Roth IRAs, they might not give you a
tax deduction right now, but here’s the cool thing about Roth IRAs, tax free forever. And in the next step I’m gonna
talk about investing basics, but what I like about Roth IRAs, is you could potentially
invest a thousand dollars, it’s worth 20, 30,000
dollars at retirement and 29,000 dollars of growth
could be completely tax-free if you understand how
powerful Roth IRAs are, so go check out that episode of blue sky freedom with retirement planning. And that led us to, okay well if I understand that I need to be saving for retirement, how do I do it, what’s the how, give me some action steps Brian, so I can know what we’re doing, this is the episode the investment basics, putting your money to work, I love sharing this type of stuff, because I constantly talk
about on the Money Guy Show, that you are a field general
for an army of dollar bills, so it is imperative that
you are a good leader, and a good general for
your army of dollar bills, let’s make that army of
dollar bills work just as hard for you and your retirement
and financial independence, as you do driving your tractor, so how do we do this, how do we make sure
that we are on the path to creating the wealth that we want to be? And I think the first thing is, I need to free you up
and let you understand, you can be rich, a lot of you– – [Bo] Say that again. – You can be rich, you can be rich, and I told the story in the episode, and I think it’s worth repeating, we don’t come from money, I think a lot of people think
that when you work in finance, and you start having some success, though son of a guns, they probably come from some money, they had a silver spoon, no, just the opposite, Bo, you come from very humble beginnings, I come from lower middle-class myself, and my parents idea of investing was CDs, had no idea how to, the only stocks I think my family did, they got cold called and sold
over the phone by somebody, and my dad fell for it, that’s not the type of investing we want to set up for you guys. But I want to inspire you, I remember in my junior
year of high school, I had an economics teacher
that was retired military, he was the wrestling coach, he wore the shorty short too short shorts, as well as the whistle, he convinced, he told everyone of us, he said you guys, you’re 16 or 17 years old, if you started saving a hundred
dollars a month right now, you could be a millionaire, and I was like no way that works, – [Bo] No way does a
hundred turn into a million. – I just couldn’t believe it, because I was working in
fast food at that time, I had a part-time job
all through high school, and I went and did the math, here’s the thing, the older I’ve gotten
the wiser I’ve gotten, I understand now what it
takes to be a millionaire, and I want to impart some
of this knowledge on you, we talked about it in the show, but I think it’s also worth repeating, for a 20 year old, if you’re saving, and here’s the assumptions I use, you make 10 percent a year, that’s doable, I mean market made 22 percent last year, with the S&P 500s, so we are going to assume 10 percent, let’s say you do this all the way until you turn 65 that’s normal retirement age, so a 20 year old only needs
to save 95 dollars a month, but here’s the cool thing, and don’t worry if you’re
in your 30s or 40s, your like wait a minute, I’ve got numbers for you in a second, but let me finish this because I want to show you how powerful this is, if you follow the math and you say okay, let’s reverse engineer that, 95 dollars a month, how much is actually invested? If you invest 95 dollars a month, a 20 year old, that’s actually 540
months until you turn 65, so it’s an actual– – [Bo] 95 times 540. – Yeah so it’s an investment
of 51,000 dollars, 51,300. – We said you could be a millionaire. – Exactly do you see, this is the power of
compounding interest guys, and I get excited, my voice gets a little
shriller like I’m a teenager, because 94.9 percent
of that million dollars is going to come from the growth. – So I’m going to rephrase it, so 94.9 percent of that money
is your money working for you, not you having to work for it. – It is the army of dollar
bills going to work for you. Look most of us at 20, we didn’t have it figured out, so let’s fast forward up to a 30 year old who is an owner operator
out there working, they need to save 264 dollars
a month to be a millionaire, so do the math, do the same thing, but now we have less months, so we have 420 months to 65, it’s only 110,880 bucks, it’s essentially 111,000 dollars, turns into a million, that’s 88.9 percent of the
million dollars is from growth. – [Bo] The money is still working for you. – Okay so let’s take a 40-year-old, you still haven’t started saving, you’re getting a late start on things, okay the number has gone up, now it’s 754 dollars a month, you have less months, you only have 300 months until
you reach retirement age, so that totals up, you do the math on that, that’s 226,000 dollars, still 77.4 percent of the million dollars is coming from growth. – So if you’re in your 40s, and you can just commit to
saving 700 dollars a month, from now until the time you get to 65, you will save about 215,000
dollars over the course of time, it could be worth over a million dollars. – So get out there, let your money work for you, but the money doesn’t start working until you actually say go, you actually put it in the account and let it start happening, so go make that happen, and now you’re probably
saying okay this is great, this is fine, this is dandy, but how in the world, what’s the actual investment, so we told you, in the episode and I
want to tell you again, go find out and research
target retirement funds, if you go to your friend Google and type in target retirement funds, you go see Fidelity, Vanguard and others, have something like that
that you can go research, and what I like about
target retirement funds is the way these things work is you choose the year that you want to retire, the year that you want to leave. – That’s it, you don’t have to know what
companies and balance sheets and all that kind of stuff, just what year you want to retire. – Because the way these funds work is, as if you’re young these funds
start off very aggressive, they’ll primarily invest in US stocks, international stocks, but as you get older and
closer to retirement, they have a glide path, they really do bring the
plane in for landing, and they get more and more conservative, so by the time you retire, we looked at one for a
client called yesterday, they were trying to figure out
something for their parents, and we looked at a Fidelity
freedom income fund I think, and I’m just using that because
we looked at it yesterday, and I think it had like 27 percent cash, it had you know– – 20, 25 percent. – It was like 12 percent US stocks, 10 percent international stocks, and the rest was bonds, it was a very conservative allocation 20 percent growth assets, 78 percent that was in
conservative assets, that’s what’s going to happen, I guarantee you, if you had looked at those funds earlier, it would have been much more aggressive, so go and take advantage of
these target retirement funds. – This is how hard investing is, there’s two things you have to know, how much can I save, what year do I want to retire, it’s literally that easy. – Technology’s made life
a lot easier for us all, and that kind of brings it to
the last episode that we did, before closing out this
incredible year that we’ve had with Progressive Commercial
and Trucker Territory, is Skills Every Owner
Operator Need to Master, and we brought Linda back, she was such a good guest, Linda Kafee was such a great guest that we brought her back for a second episode, and these were some of the
things that she had shared, and I just want to share the knowledge that she was able to impart, she said remember you’re
not buying a truck, you’re buying a business. – And I thought she even
took that a step further, when she said being a
good business owner is not the same thing as
being a good truck driver, those are two different things. – Yeah, so you need to
understand and go back and look at some of those other
episodes we did for you guys, and you’ll see that there is a lot of truth in that statement. I thought this was cool
that Linda brought this up, don’t overpay for fuel, and she gave, this was kind of contrary, or went against the grain
of what you’d think, some of the states with
the highest pump rates, actually might be the cheapest gas that you can put in your tractor, because of the credit
that you’re going to get for the state income tax offset, so make sure you understand
what you’re paying for fuel and all the
components that go into it. This was one she said, sweat the little stuff
to build up big profits. I know you guys are all
small business owners, but I feel I have to tell you the story, I had a client that owned a restaurant, and what he didn’t
realize is he could just not figure out how to make money, meanwhile my college roommates own a bunch of restaurants and
they’re very profitable, I introduced these two to each other, and the one that’s super
successful told the one that was struggling just
to make a profit was, it’s the little stuff
that is eating you alive, because you guys when
you’re working in trucking, it’s no different than a restaurant, is your margins is where the profit lies, so if you can, and if you watch TV
shows that are out there on how to turn businesses around, they’ll show this all the time, that if you can take your gross revenue and squeeze an extra two,
three, four percent out of it, that adds up to big money over time, so do sweat the little stuff, if you can figure out
how at the rest stops you’re not wasting money on
things that you don’t need, and this could be food, this could be accessories, this could be paying
the goofball videogames that they have in the truck stops, sweat the little stuff, and understand the differences
between a want and a need, a want definitely does
not equal what a need is, and if you do that, it’s going to set you
up for better success. – Another thing that you can do, and this is kind of the next point, is that you can set yourself
up for that better success is, maximize how much you can earn, there are a few different ways
you can do that as a trucker, you can look at getting
special designations, carrying special cargo, if there is a way for you to specialize, where you can increase your bill rate, all of that increases that total revenue, which increases that profit margin, which provides an opportunity
for you to make more money. – And look at where
you’re doing your routes, that’s one of the things I think both Sid and Linda talked about, was making sure that they
were able to maximize how much they were getting paid for the time they were driving. And then here’s one, this is kind of closing
out the point of that show, is don’t get caught out financially naked, and I use the word naked
because I’m a good Southern boy, by forgetting to focus on
those emergency reserves, developing the annual budget, respecting the taxes and
compliance requirements, I have a healthy fear
for anybody who can just take my stuff. – [Bo] And IRS can do that. – IRS as well as some of the authorities that you guys have to make sure that you are under compliance with, do your homework and make
sure you’re doing it right. And then pay yourself first, make yourself a priority
so that this all happens. I think small business
ownership is a true blessing Bo, it really is one of these things, if you can be successful at it, you are your own boss, the only person you have
to be held accountable to, is your creator, your
family and your clients, so if you can do a good job, all the other stuff, the things you don’t like
when you’re an employee, kind of melt away a little bit, so it can be so fulfilling
to be a small business owner, but you have to be very deliberate, everything we talked about here was really the importance of having a plan, having a vision plan for success, and I talk about it constantly, that I think a lot of people, they get lost in all the minutia of what it takes to be successful, and that’s why I tell you, free yourself to have
a big picture of what you are trying to accomplish, eat that elephant one bite at a time, so that you don’t overwhelm yourself with all the little things, but you do need to create a process, a system so those boxes
are getting checked for a lot of the compliance, the things, if you have these healthy habits, that are going to put
you in the right mindset, that you are running the tractor
as efficiently as possible, your profitable as well as you’re getting the time that you want with your family, and prioritizing the
hobbies and the lifestyle that you want, you will be successful. – But recognize, even if you are an owner operator, if you are a small business owner, you’re not out there by yourself, there are resources available, Progressive Commercial, America’s number one truck insurer, makes that available to you, at TruckerTerritory.com, you are not alone, even though you are in charge, so know that there are resources out there that they are going to make
available for you guys. – So guys, this is bittersweet, this has been an incredible year, we’ve enjoyed being
your nerdy tour guides, helping you make good financial decisions, so this is only the beginning, I definitely want you to go
out to TruckerTerritory.com, go connect on some of the channels that they have with Facebook, they have other ways that
you can start a conversation to make sure that you’re
doing the right things, and I would be remiss if I didn’t say thank you to Progressive Commercial, this has been this journey
over the last year, what an opportunity to kind
of just have the open pallette or a menu of saying what can
we do to help all of our, anybody who could go
out to Trucker Territory and view our content
with the money tuneup, how can they make their
money go three, five, 10 percent further and keep
more in their back pocket, prioritize their time, thank you, thank you, thank
you to Progressive Commercial, go out there guys, it’s very rare that
you find companies that are investing in their clients like that, and I just want to thank
Progressive Commercial for coming and finding
us and investing so that we could make this opportunity
available for you guys, connect on Trucker
Territory with the comments, I’m sure that even though
this is our last episode, there might be opportunities for us to connect in the future, and go look at the comments, so make sure you’re going out there and becoming an active participant, and as Bo always says, begin the process with the end in mind, that is the biggest thing I can give you, I’m your host Brian Preston, with my co-host Mr Bo Hansen, thank you very much for a year of success with the Money Tune-Up, we’ll see you soon. – [Narrator] The Money Guy podcast is hosted by Brian Preston, Brian Preston is a principal
with Abound Wealth Management, Abound Wealth Management
is a registered investment advisory firm regulated by the securities and exchange commission, in accordance and compliance
with the securities laws and regulations, Abound Wealth Management does not render, or offer to render, personalized investment
or tax advice through The Money Guy Podcast, the information provided is
for informational purposes only and does not constitute financial, tax investment or legal advice.

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