In this episode, Dr. J. is reflecting on the 4 key things he has learned by 40 years of age.  The idea behind the episode is that all of us need to finish 2022 and reflect on what we know today that we didn't know in the past.  This knowledge can help us to start to prepare for the changes we want to make in 2023 so that we can spend more time giving the 5 F's about our life (Faith, Family, Freedom, Finance, Fun).  Dr. J. is vulnerable and discusses both successes and failures.  Enjoy this episode and take a moment to answer this question, "What do I know today that I didn't know yesterday...and what might I know tomorrow that I don't know today?"

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