Richer Soul

Tim started from humble beginnings and very quickly created an amazing life for himself and his family. He shares how you can live an epic life by following the principles he shares in this episode. Take away: Create your vision for life and surround yourself with people to help you succeed. Action step: Create your life plan and live it. Money Learnings: Tim grew up in a rural town with a scarcity mentality around money. When his parents divorced life became turbulent. He always found a way to make money. Tim didn't go to college. At 25 he started selling real estate. Bio: Tim Rhode is a rare individual who "walks the walk" of what he teaches. Tim came from a humble background, growing up in a blue-collar family in a blue-collar town. Despite barely graduating high school and never attend college, Tim went on to dream, plan, and create his own "magnificent life." Tim attributes his success to his own determination and the individuals who have kept him on track. In 2005, he realized he needed a quality peer-group of other successful men who understood his unique set of needs and could hold him accountable to his own high standards. Tim and three others created an accountability group through which they could help one another plan, execute, and achieve their financial and lifestyle goals. Over time, new members were added to their tribe, and by 2013 the foundation was officially laid for GoBundance. Since then, membership has grown to nearly 200. Having succeeded despite his own rocky beginnings, Tim is now inspired to help others find their paths earlier in life. In addition to co-founding GoBundance, Tim recently co-authored Tribe of Millionaires. He is also the creative force behind 1 Life Fully Lived, where he helps kids plan their future, meanwhile driving positive change in the ways children are taught in our schools. Tim understands he has lived a blessed life, and is fully committed to helping others dream, plan, and implement their own "magnificent future." Highlights from this episode: Link to show note page

• Tim taught his kids by having adult conversations with them.
• He steps off the hamster wheel to find fulfillment.
• The fulfillment triangle (passion, talent, opportunity)
• Gobundance
• The Book Tribe of Millionaires
• 6 Pillars
• 1 Life Fully Lived
• How to create financial success.
• https://seths.blog/2014/09/the-shameful-fraud-of-sorting-for-youth-meritocracy/
• Do you have a written plan for your dream?

[email protected] gobundance.com https://1lifefullylived.org/

Richer Soul: Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/ [email protected] S

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Darren teaches us how to reprogram our internal thoughts and programs to live an extraordinary life. Take away: You have the choice to reprogram yourself to be extraordinary. Action step: Create a daily ritual. Money Learnings: Darren grew up in a volatile family environment in the UK. He grew up with uncertainty around money. His dad taught him to work hard. Bio: Darren Gold is a Managing Partner at The Trium Group, where he advises and coaches CEOs and leadership teams at many of the world's most innovative companies, including Roche, Dropbox, Lululemon, Sephora, Cisco, eBay, Activision, and Warner Bros. He is the author of the new book Master Your Code: The Art, Wisdom, and Science of Leading an Extraordinary Life. Highlights from this episode: Show notes page

• The strive for the next hurdle.
• Darren is providing his children with an expansive belief system.
• The Book: Master Your Code: The Art, Wisdom, and Science of Leading an Extraordinary Life.
• We are all running a subconscious program.
• The path of self-mastery.
• The balance between being direct and being kind.
• The Prison visit.
• Take 100% responsibility for your life.
• The power of listening.
• Where did your identity come from?
• Create congruence with your words and actions.
• Watching your physiology.
• Choosing your mindset.
• Ikigai - The reason for getting out of bed in the morning.

Check out Darren's websites: www.darrenjgold.com triumgroup.com LinkedIn: https://www.linkedin.com/in/darrengold-unlockingpotential/ Twitter: https://twitter.com/Darrenjgold

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/

[email protected]

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Mike asks what are you made of? Your biggest struggles can be the path forward to great success. Take away: Life happens for you, not to you. Action step: What's something that will make you uncomfortable. Money Learnings: Mike grew up with divorced parents. He chose to live with his dad for a fancier life. That choice led to a bad outcome that became the fuel for Mike's success. Bio: Michael "C-Roc" Ciorrocco (sher-OCK-oh) is a motivator, facilitator, dynamic public speaker and a fierce friend and coach. At his core, he's a grinder – just a guy who had a fire lit in his heart at an early age. That fire has led him to inspire others to see the greatness inside of themselves using past life events to fuel their fire. His passion is truly helping others. Whether it's his employees, partners, real estate agents, or anyone else looking to better their business, personal life, or mental game, C-Roc always is up for the challenge. He has spoken in front of thousands of real estate agents, showing them how to grow their business. He dives deep into his past during these talks to show how you can feed off good and bad experiences. His forthcoming book is entitled What Are You Made Of? C-Roc lives in Ocean City, MD with his wife Jennifer and their two children, Nicolas and Sophia. Highlights from this episode: show notes page

• Your story is important and powerfully inspiring.
• The importance of letting go of your childhood stories.
• What are you made of?
• Why we doubt our abilities.
• Use the snowball method to create success.
• The journey is invisible.
• How to build a culture in business.
• Build people, not businesses.
• The ratio to create success.
• What's your story?
• Demographic changes and megatrends.

themikecroc.com Mikes FB group: https://www.facebook.com/groups/1158135047708987/ https://www.linkedin.com/in/michael-ciorrocco/ https://twitter.com/mikeycroc FB/ IG @mikeciorrocco If you are interested in real estate or already involved I want to share a few free resources that are available to you:

1. If you need forms and templates for rentals: https://ipropertymanagement.com/templates They have both general forms and state-specific forms.
2. https://www.biggerpockets.com/ has tremendous resources to learn about real estate for free.
3. Lastly, we have some podcasts on http://richersoul.com/category/real-estate/ on the topic or real estate.

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/

[email protected]

Show Sponsor: http://profitcomesfirst.com/

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Deb shares how to sell with ethics based on helping customers get what they need. She also shares the wisdom she has learned over the years in business and life. Take away: Sales is an essential skill in business and life. It not about being pushy it's about helping people get what they want. Action step: Know where you are and where you want to be. Money Learnings: Deb grew up in a middle class family. She learned that if you worked hard you could earn money. Bio:Deb Brown Maher is an accomplished business owner and fine artist. Her professional background spans over thirty years of expertise in all levels of sales execution, training and coaching. She has a notable sales track-record both as an individual contributor and as a sales leader for various organizations. Her expertise spans multiple industries as well as every size business – from start-ups, to mid-range and global organizations. Deb has a unique ability to help her clients quickly identify gaps in sales process and performance, bridge those gaps with facts and knowledge, and then implement strategic actions that ensure peoples' ability to succeed both in the moment and over time. She is passionate about helping people sell from a position of integrity. She values relationships and will gladly put aside tasks in order to attend to people in the moment. Highlights from this episode: Link to show notes page

• Deb's lessons learned from delivering papers.
• Overcoming the negative perceptions of salespeople.
• The book: Sell Like Jesus
• Understand your own why.
• Don't confuse who you are with what you do for a living.
• Don't seek affirmations from others.
• Loving money is the first step to all kinds of trouble
• Speak 10% listen 90%
• Listen to comprehend.
• Be open to conversations, you never know where the customer is.
• The power of storytelling.

Book Sell Like Jesus: 7 characteristics of Christ for Ethical Sales [email protected] debbrownsales.com facebook/selllikejesus

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/

[email protected]

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Profit First Mike Michalowicz is the creator of Profit First and has written many books to help entrepreneurs succeed in business. He shares his experiences in buildings businesses. Take away: You have to work on your business not in your business. Once you have your foundation built you can work at a higher level. Action step: Automate your cash flow in business and your personal life. Money Learnings: Mike's dad worked at a 9-5 job and his mom stayed home to raise kids. They used the envelope system for spending. School and college didn't teach him about money. Mike is teaching his kids to earn money. Bio: Mike Michalowicz is the entrepreneur behind three multi-million dollar companies and is the author of Profit First, Clockwork, The Pumpkin Plan, and his newest book, Fix This Next. Mike is a former small business columnist for The Wall Street Journal and regularly travels the globe as an entrepreneurial advocate. Highlights from this episode: Show notes page

• Mike's experience losing everything in his third business.
• Sales = Stress
• Fix This Next
• Higher level needs for business.
• Bank balance accounting.
• Profit First
• The power of small plates.
• The best people to solve problems in your business are your front line employees.
• Profit First success stories.
• Crazy is a powerful force.
• The struggles with Profit First.

http://mikemotorbike.com To learn more about Mike and get access to a treasure trove of entrepreneurial tips, visit www.MikeMichalowicz.com.

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/ [email protected]

Show Sponsor: http://profitcomesfirst.com/

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

David Stein shares his expertise as a money manager to help us make better investment decisions based on timeless principles. Take away: David shares a principled based way to invest. Action step: Try something new! Money Learnings: David bought a course at age 11 to learn how to make money. He had to learn about money on his own. He read many self-development books at a kid. He teaches his kids that money flows. Bio: David Stein helps individuals become more confident investors via audio, video, and books. For the past five years, he has hosted the weekly personal finance podcast Money For the Rest of Us. The show has more than 250 episodes and over 12 million downloads. David is the author of Money For the Rest of Us: 10 Questions to Master Successful Investing. Previously, David was Chief Investment Strategist and Chief Portfolio Strategist at Fund Evaluation Group, LLC, a $70 billion institutional investment advisory firm, where he co-headed the 21-person research group. Highlights from this episode: Episode page

• Time versus Money
• David was a finance major and he learned to like it.
• He retires from a finance career in his mid-forties.
• Settled work. Do what you enjoy!
• Learn how to help people.
• The book - Money for the Rest of Us.
• Understand the principles of investing.
• Bad outcomes are sometimes the result of good decisions.
• Return drivers: Cash flow, cash flow growth, how do investors value that cash flow.
• David focuses on assets classes versus individual stocks.
• Investing / Speculation / Gambling
• The inherent value of bitcoin.
• Future predictions of stock and bond returns.
• Create the work you love to do.

You can find David at: https://moneyfortherestofus.com/ Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes https://www.facebook.com/richersoul http://richersoul.com/ [email protected] If you like the show please leave a review on iTunes: http://bit.do/richersoul Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Soulfire: Break Out of a Burnout Job and Craft a Career That Inspires You! Sean digs deep into how we view ourselves and the world. What can we do to change ourselves so that we are living an abundant, rich and joyful life? Take away: The solutions to what you want in life can be found in the mirror. Action step: Ask yourself do you want to be where you work in 2 - 5 years? Money Learnings: Sean didn't learn much about money in school. His dad was in business and he was raised that money was good but it wasn't the end goal. Bio: Sean Sessel is a voracious learner with a fervent belief in the ability of the individual to better himself or herself. After an epiphany that he derived intrinsic enjoyment from continual learning and the sharing of knowledge with others, he decided to make a career of it and started The Oculus Institute. Sean helps individuals escape burnout jobs and craft careers that truly inspire AND pay well. He works with people to prevent self-sabotage, dissolves stress, and discover their personal power & value. Sean developed a unique system called psychohacking that is fundamentally different and more powerful than other schools of internal work; like NLP and LOA. Psychohacking is grounded in truth (not selectively choosing beliefs/references or focusing only on the positive), and it uses observation to deconstruct mental barriers subconsciously. Sean proudly boasts a 100% success rate in providing his clients with the results promised upon entering his program. Before Oculus, Mr. Sessel was Director of Quantitative Research and Co-Portfolio Manager at Tectonic Advisors, a Registered Investment Adviser with over $1 billion in assets under advisement. Prior to that, he worked as an Associate at Boston Consulting Group, where he specialized in consumer survey analysis and organizational structures. Mr. Sessel received his B.S. in Bioengineering from Rice University. Throughout this time, he has also been involved as a founder, equity hire, or board member in 10 different startups and 2 different nonprofit organizations. Highlights from this episode: Link to the episode page

• Sean's struggles in his jobs and burns out.
• His big purpose: absorb, process and transmit information.
• Don't settle in life.
• Stop Stealing Dreams (Link)
• The blocks that prevent us from success and happiness.
• Know your target.
• Take personality assessments to know your skills and motivators.
• The deconditioning process.
• Learn to sell yourself
• Mysticism
• Start your day with gratitude.
• How does it feel to be in the top 1% of the world?
• Spiritual Enlightenment.
• The book: Soul Fire
• How to create income security.
• The process of finding your purpose.
• The future of health technology.
• The 4 hour body book by Tim Ferris.

https://www.oculusinstitute.com/ https://www.facebook.com/oculusinstitute/ Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected]

A Conversation With Coaching Client Marla Mogul Marla is one of my coaching clients and she agreed to come on the show to share her journey. She also shares how my coaching has helped her create a life plan and achieve her goals faster than she could alone. Take away: Coaches can help you achieve your goals much faster than going it alone. Action step: Explore if a coach can help you achieve your life goals. Money Learnings: Marla's family never talked about money. They grew up in a neighborhood that was beyond their means. Bio: As the co-founder of the nonprofit, A Night Out, Marla created an organization that in five years served more than 900 survivors of domestic violence, while providing childcare for over 250 of their children. Through safe and healthy social experiences such as self-care spa nights, concerts and theater performances, A Night Out provides an opportunity for survivors to rebuild a sense of community in a safe environment with support, understanding, and fun. Her vision of growing the program to serve as many women, men and children as possible, led to the strategic acquisition of A Night Out by the nonprofit, Between Friends, an agency dedicated to breaking the cycle of domestic violence. The consolidation represents a strategic growth opportunity that keeps the needs of survivors first. Prior to establishing A Night Out, Marla was the founder and Managing Partner of Mogul Consulting Group. Offering turnkey event planning for CEOs and Corporate Officers of Fortune 500 companies, Marla directed all facets of operations. From Board of Directors meetings, executive retreats, and special client events such as Super Bowl and Kentucky Derby trips, Mogul Consulting delivered quality results to ensure client satisfaction, repeat business and valuable referrals. Before starting her consulting business, she worked in Marketing Communications for Baxter Healthcare and The Kemper Group. Earlier this year she founded The Mogul Method, a coaching program for women over 50 who want to lose weight without ever dieting again. The customized foolproof system help women stay vibrant and more beautiful as they age. In addition to her career experience, Marla has served as a Board member of numerous nonprofit organizations, including Between Friends, Cancer Wellness Center, North Suburban JCC and North Shore Congregation Israel. She served as Treasurer and then as President for the Glencoe Parent Teacher Organization, as well as Treasurer of the Quest Academy Parent Student Association. Her expertise was creating fundraising opportunities to support the schools and the community. Marla is a graduate of the Indiana University Kelly School of Business. She lives with her husband in Chicago where they savor the beautiful lake views. Her passions include traveling, physical fitness, skiing, reading, and collecting wind-up toys. Highlights from this episode:

• How Marla's upbringing caused her to spend too much as a young adult.
• The need to fit in and leading a materialistic life.
• Money doesn't make you worthwhile.
• You have to be honest with yourself.
• The life plan process.
• The power of being intentional.
• Why Marla reached out to me for coaching.
• How financial coaching has helped Marla.
• Long term results come through changing habits.
• Marla's coaching program.
• The emotions we have with eating.
• You have to be ready for coaching.
• We are responsible for our lives and the outcomes we want.
• Why you should get a coach.

https://www.themogulmethod.com/

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/

[email protected]

Show Sponsor: http://profitcomesfirst.com/

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

The Grey Dance of Love, the Step-by-Step Guide to Finding Love That Lasts George Araman shows how to engineer every facet of your relationship to maximize love and deep connection, how to keep the sparks going for years, and why you should argue - the right way. Takeaway: Work on your self image and live your dreams starting from the inside, and moving out. Action Step: Love yourself: forgive yourself, learn your relationship patterns, and embrace your natures. Money Learnings: George grew up learning more financial theory than practical money lessons. Learn about making money by finding someone who has been truly successful at doing it. Bio: By dancing between his heart and his mind, George Araman has created a 50-year vision of spreading some much-needed love around the world …so get ready for the Relationship Entrepreneur. George was blessed to have been "friend-zoned" by his ex-best friend, as this allowed him to discover his life's purpose. Since then, he has dedicated himself to researching, experimenting, and writing. He wrote The Grey Dance of Love to show singles, "friend-zoned" individuals, and couples how to create sparks-- and how to be and grow in a magical relationship. George believes that all the world's problems can be solved if we never give up. His message to you: "Your greatest treasure lies in your greatest struggle. If you never give up, even life itself will want to help you and make everything possible for you." He plans on traveling around the world with his life partner. He has already seen more than 30 cities in Europe, Asia, and the Middle East, and he has been exposed to 26 different nationalities. Highlights from this episode: Show notes page

• Relationship Engineering
• What the "friend zone" really is and what causes it
• Physical chemistry
• Intellectual chemistry
• Emotional chemistry
• What happens in the "after" in happily ever after?
• How do you keep the sparks going after decades of marriage?
• Frequent dates are just as important as your other routines
• The right way to argue
• Bringing childhood problems into relationships
• Why certain people attract certain other types
• Having a purpose helps with your love life
• Understanding your partner during the dating phase
• Being the type of person you want to attract
• Internal and External gratitude
• The 8 relationship factors
• Becoming Mr. and Mrs. "Grey Dance"
• Changing your life by changing your mindset
• Learn to love yourself
• Working on your self image

George's website: https://greydanceoflove.com/ Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

How To Get a Better Job Using LinkedIn Mike Sudermann shares the details of career transition, how to optimize your LinkedIn profile, and how to "dig the well before you're thirsty" by cultivating meaningful relationships throughout your working life. Takeaway: Make sure whatever you do for the bulk of the day is something that brings you happiness and fulfillment. Chase happiness in work, not just money. Action Step: Adjust your LinkedIn profile by creating a targeted headline, and optimize the page to show your diverse skills and accomplishments in detail. Money Learnings: Mike's paper route as a child set the foundations for a dedicated, strong work ethic that's carried him forward throughout his career. He's also teaching his kids about money by teaching them to be responsible for their own mistakes, and understand the market value of labor. Bio: Mike Sudermann is a highly accomplished executive recruiter & career transition specialist who places top tier talent with companies around the world. He is the Founder and CEO of the award-winning executive search firm, Ascent Select Executive Search & Outplacement. He has personally reviewed over eighty thousand resumes, worked with thousands of executives, and made more than three hundred placements. Also, Mike founded and created Advantage Outplacement Academy a market-leading career transition program for professionals at all levels. Mike is a best-selling author of the book called The Executive Leap, is an industry speaker, and has a daily podcast called The Executive Leap where he discusses executive recruiter insider secrets to leaping into your next great job. Highlights from this episode: Show notes page

• Being raised by a single father
• Generational differences in risk tolerance
• Making relationship-building "deposits"
• Mike's journey into the recruiting business
• Challenge of the first 90 days
• How he launched his own firm
• Optimizing your LinkedIn profile
• Who is looking at your LinkedIn Profile?
• Advantage Outplacement: the 45 day career transition program
• Shooting for meaningful work, not just high income
• Mike's Profit First Story

Guest Links: [email protected] www.ascentselect.com www.theexecutiveleap.com Twitter @Mike Sudermann Podcast https://theexecutiveleap.libsyn.com/rss Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul http://richersoul.com/ Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.