Live from the FSR Wealth Strategies podcast studio in the heart of Elmhurst, Illinois, it’s another episode of The Retirement = Freedom and for the very first time … featuring Host Josh Bretl drinking Cometeer Coffee's flavorful La Esperanza roast. Guess what? He likes it. He really, really likes it! You also won’t want to miss Co-Host Dave Schmidt’s introduction to the podcast’s newest segment: Get to know Josh and Dave. (The jingle is still under construction.) After a quick detour into arcade games, this dynamic duo takes on the biggest of the big questions: When can I retire? There’s no one answer, but this episode offers advice on how to get started figuring it out. The calculus must take into consideration questions like: What will be your purpose? You may have the freedom, but do you have the means? The trick is to get into a mindset that takes what you desire in your fondest dreams and marries it with financial reality. What it will take to get there? That equation will be different for every one of us, which is why it pays to start considering what it all will look like in the future … now!  Enjoy this thoroughly caffeinated tour through the minds of our co-hosts, ranging from action figures to ramen noodles to vanity license plates that the Department of Motor Vehicles for the state of Illinois may or may not be willing to grant!

What’s on your vanity license plate – real or imagined? Josh and Dave want to know! Share your favorites on our new private Facebook group, which you can find here.

Know someone who is new to podcasts and wants to know how to tune in Retirement = Freedom? Josh has put together a little video that makes it easy. Click on this link (and share) to learn how to start listening today!

And if you haven’t tried it already, click here to get $25 off your first order of Cometeer Coffee. It’s the greatest!

Click here to learn more about or listen to previous episodes of The Retirement = Freedom Podcast.

FSR Wealth Strategies offers free discovery calls. Just click here to get started with one of the team’s CPAs. When it comes to living your best life, it’s never too early to get started!

So your question of how do I know if I can retire?

I'm going to assume you mean, how can I stop working?

But I'm going to challenge you to think a little bit bigger.

I want to take a step back to episode one.

And the name of our podcast is the Retirement

Equals Freedom Podcast.

And I have always said that retirement is not

the stoppage of work.

Retirement is the ability to do what you want to do

when you want to do it.

When can I retire?

It's a question that Josh and his team get

asked day in and day out.

And like most things, there's no one size fits all answer.

You first need to know your purpose, your

goals, your dreams.

Because how much money you have, isn't really all that important.

Instead, knowing whether or not your money in versus

money out can support your retirement goals, well now

that's the metric to understand.

So in today's episode, Josh and I revisit his original

definition of freedom, which is the ability to do what you want

to do when you want to do it.

This is the Retirement Equals Freedom Podcast.

Your host, Josh Bretl, is the owner and founder

of FSR Wealth Strategies.

For the last few decades, he's been helping fine folks like

you thrive in the retirement.

And me?

I'm Dave.

Josh's longtime friend, cohost, and fan of free lunches.

I'm here to make sure Josh doesn't bore you out of

retirement with technical jargon and endless rants.

So now, let me let you let me, end this introduction

so you can enjoy the show.

FSR Wealth Management is a registered investment advisor

located in Elmhurst, Illinois.

Information and opinions contained in this audio

have been arrived at by FSR Wealth advisors.

All information herein is for informational purposes

and should not be construed as investment advice.

It does not constitute an offer, a solicitation or recommendation

to purchase any security.

FSR is not providing legal, tax, accounting, or financial

planning advice in this audio.

These views are as of the date of this publication

and are subject to change.

Recording live from the FSR Wealth Strategies, podcast

studio located in the heart of Elmhurst, Illinois.

You know, Dave, when I graduated high

school a year after you.

Do you know how the York High, what was the paper's

name Wise Tales, I think.

Or was it the yearbook?

I don't know, whatever it was.

They vote most likely to do this.

Most likely to do that.

I was voted most likely to never leave Elmhurst.

I know you were, you actually

mentioned that last episode.

Did I really?

You did.

I did not have the best memory apparently.

You were not voted the one with the best memory.

Nope.

Nope.

Not you.

Today is a super, super exciting day.

I think actually I think we're not recording on a normal day.

I think you are here because of the excitement that today is.

I mean, I'm not going to say yes.

I'm not going to say no.

I mean, you did randomly text me last night.

Can I come tomorrow?

I did.

Let's do a cheers.

Let's see listeners.

We're doing a cheers with our coffee mugs at the

beginning of an episode.

Can you guess why we're so excited for today?

You know what?

Let me start by saying you build a lot of stuff up that

when I try them, don't think it always comes to fruition.

This is really good.

So this is the Cometeer coffee.

It's my first drinking of the Cometeer coffee.

Do do the cheer sound effect.

Where'd that go?

And I really thought it was delicious.

It showed up on Friday.

I made a cup and Erin in our office made a cup.

And she sent me a message on her, in her office messages.

She goes, this is really good.

I go, "better tell Dave."

Yeah, because it's ridiculous.

And she did, she made a point to

send me a message too.

And she's like, should I put sugar and cream?

I'm like, "no, this doesn't need it.

In fact, I would advise not to it's so good."

Which blend are you drinking today?

Do you remember?

I'm drinking the La Esperanza.

Esperanza.

Remember I'm married to a Puerto Rican, La Esperanza!

It's true.

So what do you think of it?

It's amazing.

I've had too much coffee in the last couple days, but-

well you did.

And again, in a previous episode, you mentioned how

you should not be drinking coffee after 12 o'clock and

it is almost one o'clock.

So watch out Bretl kids here comes daddy.

I'm drinking the Belle blend.

So it's got like notes of Brandy and chocolate.

Oh, I had that one Friday.

It's a dark roast.

It's fantastic.

Maybe the best coffee I've ever had.

It's a little hint of chocolate in there.

Hits the palate at the end.

So Cometeer, thank you for being awesome.

You know you want to sponsor us.

Someday they will.

So far I think people think this

is a coffee podcast.

So let's change the topic to what we're going to eat today.

To food.

What we ate.

Oh, if it's not one it's the other.

Today was a pretty easy decision for you and I Josh.

Well, hold on, let me start this by

saying today it's a Monday.

Normally, Mondays for me are strict meeting days

with our team members.

It's not a marketing recording podcast day.

When you decided you wanted to come in today, it kind of threw

me all off for my schedule.

And you're sitting here and I said, "well, Dave, what

do we want to do for lunch?"

And you say, "well, we should do something healthy."

I was like, oh, he's going to want salads again.

One of our local favorites, Kan-Ya ramen, downtown Elmhurst.

K-A-N hyphen Y-A.

I have turned more people onto this place.

Everything's fantastic.

I mean, the ramen's good.

They have the best fried rice anywhere.

Those little sticky buns they have at the

beginning are delicious.

Oh my gosh.

But our favorite and you and I both save it to the

very end of our ramen bowl.

They have a seasoned egg.

I don't know if that's unique to

them, but it's delicious.

They make it to perfection.

My brother moved out here from the city a few

years ago and you know, he's kind of a hoity snooty like "I

like my downtown Chicago food."

And even he has fallen in love with the Kan-Ya.

Don't know how you can't.

So Kan-Ya thank you.

Oh man.

It was so good that Dave just like inhaled

the microphone there.

I did.

And Josh pointed out, I do have some Kan-Ya left over

on my new shirt, which is tucked in and Josh laughed me

for wearing a tucked in shirt because that's just not me.

Did you untuck it today?

No it's still tucked in to prove you

wrong that I can do it.

I can last five hours with a tucked in shirt.

You looked younger.

Well, I appreciate that.

So today's a little scary for me because

first off we weren't planning on recording a podcast.

So I didn't have an episode built out.

And Dave said to me, "Don't worry about it,

I got today's topic."

And that scares the you know what out of me.

It should scare you.

It should scare everyone.

I spent some time thinking like, how off course should I take us?

Should I like-

How long have we been recording so far?

Only five and a half minutes.

Well that's pretty good for us.

And so far we've talked about ramen and coffee, so-

We're very on point, according

to our standards.

I ended up circling back to a pretty relevant topic.

Don't you worry, once we hit like episode 50,

I'll start introducing super random podcasts

exclusive to the nineties.

TV shows, music, movies.

I couldn't remember what we talked about last week.

How are we going to remember we're talking

about the nineties.

Well, as everyone knows, I'm stuck there.

So I remember it vividly.

So this topic came about, Josh, over the weekend I

was playing Nintendo switch with my seven year old.

It's a little gaming device.

And it got me thinking about my dream of having

my own arcade in my house.

And my version of arcade is a retro arcade machine that you

could play any of our old school games on there, whether it be

Teenage Turftles, Mortal Kombat, Mario, all the good games.

Also to have a pool table in there, dartboard and all that.

And I thought if I had that in my basement, I would work

even less than I work now.

I took it a step further.

I said, if I had that in my basement, one that means

financially I'd be able to afford something like that.

I would just stop work all together.

So you'd be even lazier than we are now.

I would.

I would have more time to exercise.

So I'd probably be in better shape.

Hey, I'm going to stop you for a second.

And remember your train of thought here.

But did you know that in Yorktown mall, there

is a retro arcade place?

Yes.

We've been there pre COVID, but I believe now

it's still only rentals.

I think you have to rent out the whole place.

Right?

One of the kids' friends did that.

And it was just us and another family with kids and

they just, they had a blast.

It was fun.

It was cool.

So that's really cool.

Sorry, go ahead.

No, that's all right.

You're great at picking right up after I interrupt you.

Let me see if I'm just as good.

I thought, all right if I had that arcade room, I want

to stop work altogether.

What would it take for me to just stop working and retire

once I get my arcade room?

So today's topic friends is how do I know if I can retire Josh?

Pretty good though, huh?

You're 42 years old.

And you already want to know if you can retire.

Well, I've been thinking about this long,

long before I turned 42.

I'm going to guess before you started back at the

Bruegger's Bagels days, you were probably thinking, can I retire?

Yeah.

At my college graduation, which you attended, and Carla

didn't, but you were there.

That's because-

you love me more.

I was thinking about retirement already.

So how do I know if I can retire?

That's actually an outstanding question.

Thank you Josh.

Now, before we start talking, I did want to introduce a

new segment in our show.

Really short.

A new segment?

New segment.

And it's just going to kind of break up our normal talk.

And it's called get to know Josh and Dave.

There'll be a jingle.

Probably something like get to know Josh and

Dave, get to know us.

Oh yeah.

What do you think?

No, too jazzy.

I kind of like it.

You like it?

Okay.

Hey friends, it's me, Dave.

And after recording this podcast, I got to writing and

recording and editing and, I am going to play the new, Get

to Know Josh and Dave jingle.

I hope you like it.

Oh, yeah, that is definitely a nineties throwback.

And if you've been listening, you know, I love my nineties.

All right.

Back to the show.

How are we going to get to know us?

Josh, I bought these really cool cards,

they're called Pod Decks.

And they're for podcasters, if like we're-

Because that's us.

That's us.

We're full-time podcasters.

And it's just really cool, funny and some inappropriate

and just good questions to ask people that you're interviewing

if you don't know them well.

You and I know each other better than we know our

spouses, but I'd like to ask you a quick question and

it's a way for our listeners to get to know you better.

Do I get to ask you a question later or is-

you get to ask me the same question if you want.

Okay Josh, what is the most expensive thing

you've ever bought that wasn't a house or a car?

The most expensive thing I've ever bought that

wasn't a house or a car?

Let's make it materialistic too.

You know, like something that you just probably didn't need,

but you spent a lot of money on.

Okay.

So it's not like-

it's not like a computer or anything like that.

No I'm trying to think of something fun.

Something fun.

Fun, yes.

This is probably too long of an answer for this.

Way back when, this was when we were first married.

So probably 15, 20 years ago.

My birthday's in March and my wife comes to me, I don't know

if we were married at this point or not, but she comes to me.

She goes, "We always get each other gifts, but

we're approaching a point where we don't want much.

Like, we're pretty simple.

We'd always go out to eat.

What if we spent some money?

I don't get you a gift, but we go out for a really

nice meal, like something like we would never be

able to afford in our own.

So it's your birthday dinner plus your gift in one."

I was like that's a great idea.

And so our very first birthday meal was at Charlie

Trotters in downtown Chicago.

And Charlie Trotters, like the original fancy

restaurant in Chicago.

If you see me, you know my favorite thing

in the world is food.

And that became a tradition.

Charlie Trotters was great.

I'm glad we got to eat there.

We've eaten at some really cool restaurants.

Probably the most expensive thing I've bought, like

frivolously, that wasn't like a vacation...

Of course.

Yeah.

It's probably a meal out.

I mean, we've had some mind blowing meals that are once in

a lifetime experiences, which to me, there's some people

like to buy artwork or some people like to buy fancy cars.

It's not me.

I like to eat.

Yeah.

You spend money for an experience.

Yeah.

I'm a huge experience person.

Dave Schmidt:

That's really cool.

So my parents are listening to this.

We tried to get experiences for them for different

things because they are hard to buy for too.

In Christmas of 2019, I got them each in experience pre

COVID that I've yet to fulfill.

Which was?

I was going to take my mom to a cooking class.

So mom let's do that cooking class.

And then to my dad, I was going to get him a custom

shirt because he has never had a custom made shirt before.

I thought fun to do.

He likes to wear nice dress shirts.

But I'm a terrible son and three years later still

haven't done that yet.

You've bought me a lot of food to make up for it.

I've had great experiences eating food.

We've eaten together, but we haven't,

I still have that tinge of guilt there.

I get it.

I get it.

All right.

I'll turn back to you.

What's your most expensive thing?

My answer would be much shorter and

friends listening, our future answers will be much shorter

than what Josh just said.

I'm telling you he loves to talk.

All right.

So mine is more of a theme than an actual item because

I'm a very simple guy.

I don't buy clothes.

I buy video games, but I don't live a super fancy lifestyle.

Action figures.

I was wondering, was it your Sleepy

Hollow action figures?

Yeah.

And actually I could actually sell that for a couple hundred

bucks now, but yeah I just like collecting, like when I see a

good movie, I'm like let me go see if there's an action figure.

And there usually is.

So I've spent probably more than anybody I know on just

nerdy action figure stuff.

They're all in boxes.

I don't even have them displayed yet.

Once I finish my office though, I'm going to

put them up on a shelf.

Great.

But your question leads into the topic.

I'm going to steer us back toward the topic here because

your question of how do I know if I can retire and then

what's the most expensive thing you've purchased.

We're going to tie that together if that's okay.

That's why I chose that question.

No, really though it is.

But I want to take a step back to episode one.

We're going to throw it all the way back here.

And the name of our podcast is the Retirement

Equals Freedom podcast.

And I have always said that retirement is not

the stoppage of work.

Retirement is the ability to do what you want to do

when you want to do it.

And if you remember, my friend, Scott Mann said that his

definition of freedom was the ability to do what you wanted

to do when you wanted to do it.

And that was at retirement equals freedom.

So your question of how do I know if I can retire?

I'm going to assume you mean, how can I stop working?

But I'm going to challenge you to think a little bit bigger

and challenge you to think, hey, maybe you're retired right now.

You get to spend two days a week with me and

this podcast audience.

I mean, what could be better?

Not much.

I nap the other three days of the week.

The stoppage of work is relatively abnormal

from a historical perspective.

I mean our life expectancies are now longer than they've

ever been, but for most of human history, we worked

till we died and then we died and that's how you retired.

And we're lucky enough now that we have medical

advancements and we have enough scientific knowledge that

we can actually live longer.

And this idea that you can work long enough to stop

working is kind of new.

And something that we've actually seen people struggle

quite a bit with is what do you do after you retire

after you stop working?

Because you can lose that sense of purpose really fast.

Dave, even though you want to play video games every day,

the rest of your life, I would say, what's the first thing

you need to know is what else you going to do with your life?

What else is out there?

And it doesn't really matter what it is,

but have that purpose.

I mean more time with Landon, more time with your wife,

more time traveling, is there some nonprofit you want to do?

Is there another job you want to do?

There's all sorts of things.

So that's always what I tell the first people is know

what you're going to do.

I think that's so important too.

Even my mom is officially retired and after a year

it's like, I can't, I have to go back to work.

And it's only a couple days a week and I just think

that's probably the norm.

And I think it's become more normal.

I mean like every good social topic, there's a

pendulum that swings and I feel like the pendulum swung

really far to stop working.

And now it's kind of swinging back to this purpose based

concept, which is really cool.

I mean you want to have some sort of purpose in this world

and retirement can give you that freedom to do that sometimes.

So that's my first one, but that's probably

a cop out answer.

So I'll get to the technical part of it.

A lot of it has to do with money coming in

versus money going out.

The first part was more kind of-

Philosophical thought process.

We teach people how to think.

Very fru fru.

But money coming in versus money going out.

So money going out is the hardest part to identify.

Because you have to know what you're going to spend.

So this is why your question get to know Dave and Josh

was so timely because knowing what you spend is important.

And let's say you spend $6,000 a month.

I don't know.

Everyone spends a different dollar amount.

Let's put, you spend $6,000 a month.

If you stop working, that money has to come from somewhere.

So if you're going to "retire," because you have this freedom,

you've got to be able to replace that $6,000 a month.

Now Dave, you're 42 years old.

You don't have social security.

No, not that I know of.

But maybe your wife's going to keep working.

Carla's a teacher.

She's has a great job.

Does she want to keep working?

And she could be part of that $6,000 a month.

Now I'm going to frame it back more towards the people who are

my clients for the most part.

And the $6,000 a month is not odd.

It doesn't really matter.

Some people spend 15, $20,000 a month.

Some people spend a thousand dollars a month, but let's

use six as an example.

So if you spend $6,000 a month and social security covers,

let's say $4,000 a month, we have to know where we're

going to get the other $2,000.

So the first thing you have to do is know money

in versus money out money.

Money out is what you spend, money in is

other income sources.

It may be social security.

It may be a small side job.

It might be a pension, but you have to know

money in versus money out.

And then whatever that difference is, whatever

that leftover amount is, got to come from really your

savings, some sort of savings.

So we have a choice.

If there's a big difference there, we either have to

lower how much your money out is, or we have to

spend down your savings.

So that's what most people think of when they think

of retirement, they think of how big of a savings

pile do I need in order to make up that difference.

Now you have a very unique situation

because if you go back to episode six, where we talk

about "budgets," you have a Dave budget, or you're still

responsible for a large portion of what I spend every month.

So if I want to retire, I just cut

out the Dave budget.

No you, don't.

It's really simple.

That is not an option.

Laser tag for life.

But you have this pile and how big that

pile has to be is what most people are concerned about.

And so that's really the question when people ask, how

do I know if I can retire?

It's do I have enough money?

And I'll get asked all the time how much do I need to retire?

Do I need a million dollars?

Do I need $5 million?

Well, there's lots of variables that go into that.

It's how much do you spend?

How much other income do you have.

That will determine how much you need.

And I see people who retire with $200,000 and they live

a great, fine, comfortable retirement with no issues.

And I've seen people retire with $10 million

and be broken 10 years.

That's amazing.

How much you have is really not the part of

the equation that matters.

But that's what everybody thinks about.

That's what everyone thinks about.

Everyone really thinks about that equation.

Do I have enough money?

But the true part is really that mindset.

You know, what are you going to do?

Because what are you going to do does impact

the money out portion.

You know, if you're going to be a philanthropic wonder child

and give hundreds of thousands of dollars away every year,

you better have a big pile of money, but then it's that

money in versus money out.

And I remember growing up as a child on Halloween,

we'd go trick or treating.

You and I, we were never really friends with

trick or treating agents.

We were too old for that unfortunately.

I tried in high school, but I had the cops called on

me like handful of times.

So I stopped.

So I remember there was one street in town that

had all the big houses on it.

And I remember saying to my dad, dad, I want to go over

there and trick treat there.

And he said, he goes "just because they have big houses,

doesn't mean that they give away big candy bars."

And I looked at him like he was crazy.

Yeah.

Like dad, what do you know?

And he goes, "maybe the reason they

have a big house is because they don't spend frivolous

money on big candy bars."

I was like-

I don't like that answer dad.

But it was kind of one of those defining

moments of my life.

You know you remember certain conversations.

That was one that sticks out in my head is I'll always remember.

I bet you Al's going to remember

the conversation when you told him there's

other taxes besides like-

oh my God, we had a family party last night.

And he was telling my dad, he was trying to

describe sales taxes.

My dad looked at him like you're nuts.

Oh I love it.

So you know the tax when you buy things right.

The tax that Target has on you.

So good.

Amazing.

Actually they're learning about sales taxes now

because for their birthday, they got a lot of Target gift cards.

And so Missy took them shopping at Target and in their mind, you

know, I've got a $10 gift card.

This $10 toy should be great.

Well it's $11.50 with sales tax, whatever.

And it's mind blowing to them.

It's a great question.

But it's really a specific question.

In fact, the first time someone comes into our office, that is

the one thought that keeps going through my head all the time.

What's it going to take?

What's it going to take?

So as they sit down, I'm asking questions all the time,

asking all sorts of questions.

If they want to know what I'm thinking, what I'm trying to get

out of it, I'm trying to think.

Do you have enough to retire?

And it's different for everybody.

And I know that you stop short of having people

like give a budget because that just makes people itchy.

It's more like, you just want to know how much do you spend.

That's all I care about.

And not what you spend it on.

What do you spend to live?

At this point in your life, you've built up.

I'm not going to change your habits.

I just want to what they are.

And I don't really care what they are and there's different

ways we can back into it.

I mean, we can look and see, hey, what is your income?

And we can add, subtract things to that.

And that's what you spend.

That's a fun question, David.

Thank you very much.

Josh, I actually like this impromptu episode.

Thank you for letting me choose the topic.

15 more episodes.

You can choose the next one.

I appreciate it.

Every fifteen, that's a deal.

All right.

So a second half to our segment of get to know

Josh and get to know Dave.

Oh yeah.

See if you can answer this one more succinctly please.

All right.

Thank you.

Josh if you personalized your car's license plate,

what would the plate say?

I think Illinois, we have seven letters.

Oh, I got it.

Okay.

F-R-E-E-D-O-M.

Freedom.

Freedom.

Or tax nerd.

I see that.

Tax nerd.

Tax nerd.

Should we see if we can get it for,

just get it now for Al.

Oh yeah.

We'll set it aside.

What if that one's available?

You can have like the option of choosing

four or five custom plates.

So you can do like T-A-X-N-R-D.

One or five.

Okay.

Okay.

Tax nerd.

Freedom.

I like it.

Mine is not overly creative.

It would be two big legs.

Two big legs.

Eh, it works.

I would take out the E in legs.

You know something.

Because I got, I have massive tree trunk legs.

Nickname is Stumps or Mr.

Big legs or Daddy Long Legs or whatever you want to call me.

Schmidty Sticks.

Stumps O'Houlahan.

That's a good question.

I like that one.

Maybe if anyone has a vanity license plate, if you

will, the retirement equals freedom Facebook group.

We'd love to hear about that.

My uncle for the long time has been driving around with

the Chi Cub W license plate.

So, and he finally came to fruition in 2016.

How about that?

Hey, Josh hit that button.

Oh man.

[singing] Yeah.

Thank you for letting it play out this time.

So this is my first Dave relates to retirees while

drinking Cometeer coffee.

I'm not going to set any expectations here.

It's not going to be my best.

I'm going to kind of keep it in theme with today's

episode, kind of impromptu and on a more lighthearted side.

But I can relate to retirees, going back to my initial story,

Josh of how I just want to live out my life, running an arcade.

So I think I want to take my dream of having an arcade

in my basement and kind of expand on it a little bit.

I would love to open up Dave's retro arcade, where

people could come and enjoy all the same things I do.

It'd be a business, but it would also be a hobby and

somewhere I could hang out, because Carla gets sick of me

after a few hours in the house.

So that is my dream.

That is retirement for me, just chilling with my friends

and my homies, playing video games and then having some

other people who share the same likes as me to join me.

So Josh, what would it take for me to get there?

Dave that's an interesting one.

And every time someone you do this, I sit here and think, how

am I going to tie this together?

But I actually think you did something quite beautiful there.

The first thing I said when you asked me the question

earlier, how much do I have to have to retire?

I brought up the retirement equals freedom.

I brought up that having that purpose that's out there

and you changed the question in your head a little bit.

And you incorporated what you'd really want to do, what

that freedom meant to you.

So how much do you need?

Well, this is a fun thing.

We could now look and see what income can you derive off of

it, or is it going to be an outflow or you're going to have

to spend money because all your friends aren't going to pay you

because they bought you food for the last 40 some odd years.

Who knows?

But that's a fun question.

And that is the way a retiree should think.

Dave Schmidt:

That's the mindset.

That's the mindset.

This is what I want to do.

How do I do it?

Help me get there.

Help me get there.

Jingle me out.

Thank you.

Oh.

Yeah.

I think you should sing the jingle.

And I'm going to do something fun that I've been playing with.

Okay.

So know, know when you're ready.

[singing]

So I was playing with this cool little

board we found over here.

I thought, oh, we're going to make Dave sing.

That'll be a lot of fun, but-

That was good.

I mean I can do that voice without that thing.

That scares me.

See I can talk like this.

Another skill listeners.

Hire me for your next voiceover.

So Dave, you promised that the first

episode we're both drinking Cometeer coffee would be

the best episode ever.

Do you think it is?

Yeah.

You know why?

Because I'm going to market the crap out of this episode

everywhere we can, get as many downloads as possible.

So people hear all about Cometeer.

And I think I'm going to insert the full house music

that I talked about at the end of your answer to my

Dave relates to retirees.

Got real personal there.

It's just so good.

Dave you've told me in the past that every

episode we should ask our listeners to do one thing.

Not any more.

Not any less, but one thing.

Correct?

One thing.

Yeah.

What's that one thing going to be today?

We're starting to get a little bit more

personal on the show with our whole new segment.

And I think I liked it.

What do you think of the new segment?

Yeah it's kind of fun.

Cool.

I'll try not to expound on it too long in the future.

I appreciate that.

You can probably cut out 18 minutes of this podcast.

You just talk more precisely, but I would love for anybody

to listen to this, to share it with one person that you

know that would enjoy it.

Whether it be someone who is struggling with a

mindset change or going into retirement, someone just

wants to hear a couple of good friends, have some fun in a

podcast for 25, 30 minutes.

Maybe someone who's been complaining

about their coffee.

Someone who needs new coffee in their life.

Now if you have trouble encouraging people.

Oh, what a podcast is?

I just created a video.

Actually you helped me with it.

It's real simple how to listen to our podcast and you can do it

on the computer, on the phone, but we've made it as simple as

humanly possible for people.

And we made a video and it's going to be on

our fsrwealth.com/podcast page.

We'll link to it in the show notes.

I'll also post it to like the FSR Wealth Facebook page.

It's public.

Anybody can go to the page and view it.

So it'll be accessible for you, but it'll help you share it with

friends who may not be as tech savvy as you are dear listener.

All right, friends again thanks for spending the

last half hour with us.

We really appreciate it.

And until next episode, Josh and I will sign off with Bye.