“Our entire net worth is in our house—and it keeps me up at night.”

Many couples I speak to have $1M as a magic number they are aiming for. Once they hit that, all their problems will go away, right? [Podcast Newsletter Header](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3mBW1dQ_Bk4hn8TrW5wrccq5HFpq_W45j_8P8zZ5y5W1jLZRW56QSMcN4dgB7XWhBqyW5r1Njj70XTdHW12cYKt3bXdd2W508Hd_41WTS9W8-yQKN2_YXLHN8K8WT_mms1WN652W6mzF_BPVlyD9Q5wdrdLW6lKyMC7BxcntN2s5tLlP6vGGW1dvXYk4rWrRLN28d4_fXC0KjW7tCbwF4yL36BW3B2G3w4SLL2wW5SrZwV3wwVQhN7V5fC2dKMSJVJpflg89BJ4LN44940c9hkmZW3N3t7Q4XPwRhW1yBjLb8J-xcFf8JCk4-04) {NAME}, Many couples I speak to have $1M as a magic number they are aiming for. Once they hit that, all their problems will go away, right? Well, the couple who sent in their CSP this week is realizing that’s not true. Why? All their money is in their house. “We have a net worth of $1.36M. Looks great right? But the reality is that about $1M of that is in our house… Will we have enough to actually live on in retirement if most of our wealth is in our home?” I love that they are asking this question. Find out why below… “You got me hooked!” This newsletter is sponsored by [LMNT](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR5gg4nW7lCGcx6lZ3m3W3Fkj_M7Sb68MW813xXQ4sHGFHW5Jr5QM93JG5pW9hjnMn34y4GnMfZW0QSycwzW8CnY9j2Hk5VpW3w8BRM5plrJQW3m8ksb2xccQpW1zj5k410vxv8W6Ph_pW7KQWY1W4FCRQf2J4-0ZW5KkhF97lrrdLW6y-P1h7gzvrtW4QS0kV4C1QFcW9j1zWx6x-vWDW2BLQ6t5HdbwtW5x-5_Z5vbcqPW8KxlqQ3lWySMW3MT7Rj3XvnDlW8RpywT8pqpFMW4N-PB84SMtd7W3XVz3x146bh_V7y5R-4kt5s5W8wwWQb4WQVg3W7JnQr-576JWDW38mndQ2dYSLrW8Xht0_5Zk02FW5BGT8x202BzFW3gF4h66GdPzjV1BKqz6Cf0PxW7cFn6441X2z5VtYBd13MP67zW5DZxZY12N3x_W5T7xRb1GwktvW5fNz2H6BJXN_W1NC_H47h_3dJN79K_b_ZXP1hW5NbS8Q41ShRtN2B9kX3pgRP2W360SnL4-nRtvf4J-0_F04), a tasty electrolyte drink mix that just launched their newest product—LMNT Sparkling. It’s the same zero-sugar electrolyte formulation now in a 16 oz can of sparkling water in 4 flavors: Citrus Salt, Watermelon Salt, Grapefruit Salt, and Black Cherry Lime. Here’s what some of my readers have to say about LMNT: [Podcast_LMNT] [Podcast_LMNT-You got hooked!] [Podcast_LMNT-I'm a cyclist and love LMNT] If you feel dehydrated and want to replace your electrolytes, give LMNT a try. With any drink mix order you can get [a free 8-count Sample Pack](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR5gg4nW7lCGcx6lZ3nzW7Jt06d1jStWBW4DWBbl1Z75JgW5zBj434FClnPN2bqn3tP-sxKW27FbqD39lt1CW6xgPnB4Nm7wBW8GH4Z980ymTyW3fvYqV31W32HN3j8phTQmbFxW1Rd1KN3r4FdmW5Pt5Gm2PKdm8V-PSF087dhnwW5zDm5281mh7XN8h4CLSmqdS4W4PcNXt6Plv41W6nCjG41F3VxHW3mVK1w4JDXVBW2nP_kx8YTg8KW4SwbGw80zLC-Vxp4Vr8ZJNYjW3r7kr48ngSRBN4C2FmbXxw1-W3SdbC_1wr-6pW6-5Yr82qXJVmW5rWJyd44LR3pW5KzLSk4r_QPBW88dp315L5rWGW6rFtMM6l5VrtW25mTLJ7PGNNdW1FGmHc44t1nQVvq1bN4RS1w9W6fTs448Wl3MhW6v_gvf837SyLW8Bhsrn6SxFlLW21sL6X7s379tW94_wFs8W4P7nW69gBnN4NZLQFW48mdgM3hh1rrW3JybCq4fT3g2W76mHnr1rc365f4v5fW-04)— a great way to try each flavor. “Our net worth is our house—and it keeps me up at night.” Now let’s get into this week’s [Conscious Spending Plan](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkx3qn9gW6N1vHY6lZ3lgW25yGsL6KS5lgW6FV6gV5Pg8WYW2f0_vm4Fv1_WW71KjRd672BjKW1mDnGP7CYgW1W2HfFR65pDP-ZV9FHkv7Jy9RTW3Cg0lG8sP9QBW6R0rz466KKC4W5jZTHL3DN06qW2v2c3k8_CnxHW41JkD85M4_54W7X_6zm4z4B50W33bf5l8189zrW4fRk2N17ddjFW5960lt2xny1_TxdZD8S_h7rW15h-M25qkQBvW2hSCJF6c7h0tW627rC-5T3dZVW4HSl2f5wzBXmW2msPWH5hH-Xkf6trVHn04). Here are some details this week’s couple shared: - 45 and 43 years old with 12-year-old twins—and an aging parent who lives with us. - We live in Seattle which has a very HCOL. - We have a net worth of $1.36M. Looks great right? But the reality is that about $1M of that is in our house… - Will we have enough to actually live on in retirement if most of our wealth is in our home? - A little background on us: We started off our adult lives as struggling actors and spent a decade behind the 8-ball. Our surprise twins were born when we were about 30 and at that point we started to get more serious about investing and getting out of debt. We cleared our student loans but remained in a cycle of accruing and then paying off credit card debt. Thanks to you, that cycle is over. We are debt-free aside from our mortgage and we are in a new, healthier money mindset. I picked this CSP because I really like the question they’re asking. Most Americans do this without realizing the consequences of holding the majority of their net worth in their house. [I recently asked on Twitter:](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3ljW3l42LT6klDWXW8YDwDh6TQz1RW3r1-D8278vW7W8zgbZJ239V84W3fsMwZ93g2ShW7lHh8J1R7CwlW55GLCr5vxdR2F6J0PB33Yc2N7gsB8mysfBlW4f_V0M6LdMTgW7ly9B17YXkmYW6w3TkW5Xj1ThW4z2pGd2CpmY0W8phc9s3SmhBzW989NrZ19ZHN4VZ3MWv303K_mVMKkPs2jqG1HW19ZqPb1-hPr2W2NTjrM2Jk3HLW8xcvYR99mVHQW69W2yq3tBMjbW5yLGMg18M8vVVvW9Rr18zd_xW7PzY797sS6v6W1d81-Q8jq7_kW43d7Gv6pbdPjdSHw1g04) “What would you rather have the majority of your net worth in? Your house or an investment portfolio?” 96% of people said an investment portfolio. But when you look at what most Americans do with their money, they do exactly the opposite. They keep the majority of their net worth in their house. At the age of 45, this person has realized that if they look down the path towards retirement, they have a problem. When the majority of your net worth is in your house, what are you supposed to do when you need money? Sure, you could sell your house. But now you have to move, probably to a place where you don't know anybody, you don't have any social support—[that's a problem.](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3mvW8t12lc8ySB9RW7Sy-Tb8P67mkW2ZJW3-7q6NgNW6PT9TN7gC99pW90dct64pcZ7BW7LwpY45J-NvkW3cG4JR3pJ39DW5NPRB75-Q59RW7TbK7c6fnfkYW2PLRbH5lbr77W5R6TFZ1JykqXW89q_206whFSCW7zk9ZC1j9H1kN6m-hYzxx3PnW4-NkVx3Zx4cQW6CkjcV4sgKKFW1nDJjW8vnlZJW63L_HP6kYMk0W6qVfGs24JlssW5smRmW4nCvrMN7-rBNXt7S7SW2FbvPL7qGDv8W788X415csDYqW8SWvMM2gDdr6W1GWy3z70JTMKW7drfrj5fXwrMf78GnZ604) There's this idea that “We're going to sell our big house and go get a small apartment in Florida.” Well, most people don't want to downsize. That's just shown by people's behavior. They like their house, they like their neighborhood. So how are you supposed to access the money in your house? This is something I've been beating the drum on for 20 years. I consider buying a house in the areas I live in a pure luxury. This person is smart to look down the path and say, “What's going to happen when I actually need money in retirement?” And I wish all of us asked the question, “What's going to happen if I continue on the path I'm on?” Just by asking that question, you're setting yourself up for such a better life. This is not only true with money, but also with food, fitness, relationships, health…all of it. So let's take a look at their CSP. This couple is 45 and 43, with 12-year-old twins and an aging parent who lives with them. (By the way, I love that they went through this transformation using my material. I feel so grateful anytime somebody uses my material and especially reaches out to say thank you. I read every one of those messages. It never gets old. I love it and I appreciate every one of you for using my material and applying it to your life.) NET WORTH $ Assets (current value of car, home, property, business) $1,500,000 Investments (include 401K, non retirement — all investments) $200,000 Savings $85,000 Debt (mortgage at 4%) $421,000 TOTAL NET WORTH $1,364,000 INCOME Gross monthly income (all income before taxes added up) $16,833 Net monthly income (how much you take home after taxes) $11,200 FIXED COSTS (50-60% of take home) 70% Rent / Mortgage $3,638 Utilities (gas, water, electric, internet, cable, etc.) $490 Insurance (medical, auto, home / renters, etc.) $250 Car Payment (2 leased cars—we run them through my business—includes gas) $825 Debt Payments $0 Groceries $1,000 Personal Care Items $200 Phone $250 Subscriptions (Netflix, gym membership, meal services, Amazon, etc.) $165 Miscellaneous (automatically adds 15% for things you forgot) $1,023 FIXED COSTS TOTAL $7,841 INVESTMENTS (10% of take home) Post-Tax Retirement Savings (we do 10% to a 401k with a 6% match) $0 Stocks (1% comes out before we see our paycheck) $0 INVESTMENTS TOTAL $0 SAVINGS GOALS (5-10% of take home) 15% Vacations $300 Kids College Fund $400 Kids Birthday/Xmas/Back to School $150 Long Term Emergency Fund $300 Non-travel experiences (theatre, comedy, day trips etc) $200 Annual fees (car licenses, pool membership, healthcare deductible) $375 SAVINGS TOTAL $1,725 GUILT-FREE SPENDING (20-35% of take home) 15% GUILT-FREE SPENDING TOTAL (Dining out, movies, anything you want!) $1,634 Net worth - Total net worth is $1,364,000. - Their single asset, which is their house, is $1,500,000. - Investments are $200,000 (which concerns them). Income - Their gross monthly income is $16,833, which is just over $200,000 in gross income. Okay, very good income. - Their note explains why even at $200,000 income, they only have $200,000 in investments — they got a late start as struggling actors, had surprise twins, etc. I understand. Not everybody starts investing at age 15. Let's see what we can find out. Fixed Costs - Whoa. Their fixed costs are at 70%. That’s high. It's concerning because you can't just drop a couple of things. - They're spending about 25% on their house, which is fine. - They have a car payment. (Just for technical information — if the car payment is run through the business, that shouldn't be on the CSP.) - I like that they added the miscellaneous fixed cost at 15%, very savvy. But if you're at 70% of fixed cost, you need to tighten this up. You can't simply be like, oh yeah, we're just a little sloppy with 15% of our expenses. You actually need to target that and cut that down. If you cut that down by $500, you can bring that 70% number down to 65%, which is much better. Investments - Investments say $0, but they're actually investing approximately $25,000 a year. It doesn’t show up here because it's pre-tax. Fine. Savings - Savings are at 15%. You know what I really like about this savings? They have broken it out. They have six categories (I like a maximum of five). But I like that they have been very specific with their categories, like one of them is non-travel experiences such as theatre, comedy, daydream. I love that! That shows me they've really thought about where their money is going. What I don't love about it is that…well, I'll get to that. Guilt-free Spending - Guilt-free spending is at 15%. A little lower than I recommend, but I understand why, because their fixed costs are high. Overall - The question is “Are we going to have enough?” So I ran some calculations for them. - Let's just assume, with their 401(k) match, that they're investing about $25,000 a year. Just assume that they keep that consistent. After 20 years of investing, they're going to have approximately $1.8 million. That's in addition to their house being paid off. If we use the 4% rule, that $1.8 million means that they will have approximately $73,000 of income per year. Now, keep in mind that with a paid-off house, their fixed costs would drop dramatically. So it would be a drop in income, but their expenses would also drop. - Okay, next up I zoomed into the savings area. I said, “Wait a minute, you're saving $400 a month for a kid's college fund, what about yourself? You're concerned about your own retirement. What about just taking that money and putting it for yourself?” I know a lot of parents hate to hear it, but you’ve got to prioritize your own retirement first, because your children have time. You have much less. - If you take the $400 a month that you're currently putting aside for the kids, and you invest that, that's roughly an extra $5,000 a year. That means instead of $1.8 million after 20 years, you'll actually have $2 million after 20 years. Instead of $73,000 of income per year, you'll have approximately $81,000. Pretty good. - A fairly big change just from that one change. You can start to see that if you were to tighten up on the miscellaneous category, cut that down by half and invest that, you would have even more. - So overall, just from running these very simple numbers, I think you have a lot of options here, especially since I see some areas where you could tighten up. - The house itself is not a bad thing. It's actually worked out well for you because it has increased, and that's great. - Now, your job is to focus on prioritizing your investments. If you could do that, it seems to me you have pretty good options. - Note, by the way, that I have not factored in any raises. If you got raises, you might just set a family rule. Any raise we get, we're taking 80% of that and investing it. That would be an amazing rule that would be worth hundreds of thousands of dollars to you. - You could also say any unexpected income, we're putting 80% of that in investments. That would be amazing. You could focus on a side income using my [Earnable](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtlK3qn9gW95jsWP6lZ3p2W66-F4p4C21p0W8Pv6Q18sMB64W2pSHsq5BszjwVHltWY39Dg3cW8ZyMHr7zZStrW3MS-Dv3L8VQgV_vm-12FpwCRW8-ydMt5wW3FJW1sBn4F6F0prGW20xrwN5dSDp_W95rX6F8GQ3VFW8QXq-B8TpbMnW7x3xz7258vkWW4NgT7w47gfkCW6Qqmdz3QPFLqW47dS4c6zrJW1W2T_xHB3x-gQrW99WP301GR3SlW4_5R-R3gMvQRW4W4tlV7DHjyzW7vNWR06F2z9BVspNf-32FDy-W2CYq2M5fXwZpW2FfVyj42qTPLMFHy1tzXyHMF60FD3P5559W3kJf_Y37NMdDW1lmYr543hfVKW8dvDrL8zZrn7W7sX0Wm2nYddPf8z2hDz04) program. Increase your income. An extra $1,000 a month would make a massive difference to your investment portfolio. - Overall, I think you've done a really nice job of thinking through the issues. You bought a house. That house, as long as you stay there, is a nice addition to your overall net worth. - One thing I want to caution you against is renovation. That is where you can lose a lot of money. So be very careful because most renovations are not investments. They do not pay. They’re simply pure luxuries that people want. Avoid that. Do all the rest of the stuff I said. - Get a little tighter on your modeling and I think you have a lot of options. Well done! [Ramit Sethi Signature] P.S. New podcast: “How can we raise 3 kids if she only makes $15k?” Caleb and Alex have one young child and are about to adopt two sisters. They were also immersed in missionary work in South America—watch how this influences the way they see, feel, and act with money [here](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3ppW1rpxpw7MRLbPV5k1KT2P6V2bW3fzmxP3JzMJNW5ky10j1DWLR8W1VtMfL4XvDxXN309QyBcwjCsVJTZyn3y7_nrVZWD_n8qGYTRW4L-BZB8hGp7CW5CDNkt4-HYQZW7X3BFx7jbZLmW19pZgQ3v8R7pW83zHHx2FK5fgW27pccj2TS467W2_p02v2ZRQQwW37qv-z6YSr1DW9gHQCr7yyylLW8r8G084v8FQsW3HXBbJ8NFQ4WW7tw6MC1764T6W3zyxSp4k-JnQN8X32Df2SLD2Vfbg4R70jwTVW3bmkrv8sffcxW49kydy4gSKxdN6dFPqcr-YGMdHnX8d04). [Podcast_Raise 3 kids on $15k salary](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3mPW22XnqW8hQT7QW3pjzgV127HD5N4HgHRWM9CcQW6jP95-2jXrgBN1jRDl2MG7X6W5D6HvX8F4Zl7N6SFwZCqpD_JW8SK-4f4zcnNCW18cfg42l7_NVW4vS3MT36YW_vN81NXm6QC066W7_vHr16_Z0PgW1fNwtK3FywBkW7sBHdD4NqDmvW384bXq3Q-MtmW4HXJJm6CVpxLN6nnC8xZNJdyW6X2YWh792b2RW4ZyYxR2tZ8snW1q_wrv82qf6VW4x28bN2Z13nTW2gM54m4KgTNNW1JZQr47R1x9rMz20Xtf_xDbW5-CCGK7cPvjQN32brcP57CrddBG_9T04) [Programs →](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3pPW5R4JwQ422KhJW4wtv7s71d3f3W6S1p_z7tMyhCVhNpS04rSMrwW8-Hrrq8Z9GggW2slfz55xKFvSN6zW0WXygwxFW20bSpm63NLBNW8R-R0S7YPB_wW88BbWX6y32G8W4dNfJs8NYvZ6VW_tm14fstf6W4lB1Ch4Gnh3wW2GxSb02b50VBN49s-Zw2X5MkW314PPm1x6jSCW1dSWqY81WMXyW4gVmc74xs9NKVH7pwy2CYN6ZVL_d7N19pflDW15ltVf6gF094W7kzFSJ551-VLMMN2Khm5dWDW8j-1xS2sMcwlVBQ1pw8mW07RW1PdVW15RSxK2f3kp6Mj04) [Podcast →](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3pjW3lfL7524F-6sN6PyyVwZK_SWW7b6TTD2Sj1wrW7VQ3C-4hQgNQW56bXt-7s1PHWW97c0Tc526-ncW72WMn77tKZ2zW8GfsY46gRmbZVZ2kcC1mc1W2W8Mbp534tyK66N32pxJlW6BNfVRQKGw5-VRH-W2_6dmg7vznqHVs4np715TRtWW4wrhKZ7494R_W5fD9Mv3Z8GfdW7vtwR03DBTmHV6qkkm2jDDtZW44MvQ76t-RF_W6YxGTN2X6r30W8H1JHm3dCgKCW5mTM352kN3Q4W8cH-QX1C332_W8SryRf4T3_hnV5m_Gb2LD7MHW6x73WM1gbx-ff6TYGS604) [Netflix Show →](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3pqW3f92KC73DdfBW1fWn6l7Ys2syVzHmpT5VW9mJW3xDD5p5_90dNW7qh_W_8KgMbNN1jCBZLBSFWFVQmN4n1r-rxnVTj6qK3hxL8NW4VHv_B1j7gr6W6N8vfq63pB2HW5kwG3G7KzXrWW85fz5S5nYk0NV_H3Lz280MllW4lRdWG8f4k4PW6Fj28k5nW1qhW7hmrzx5HdptCN7bcYRWpC8d7W4K1qls25fTBHW6Pqjlk13lHWlW2Cr6b68phz6NW6Xt1T98_c4ZZW3_Mcbp8My1YhN1MrT8_VtGxJW6sFmfX8J35N3W5Q8Bmk8Kh1D2VsG2lV3tQ4C9f93tKsW04) [Books →](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtl63qn9gW7Y8-PT6lZ3kDN2gkSvpnKmp5W3SbQf58STY8fVDmW7t512-dVW4p_cf05yLf6tW6B8Wy08ft4b-W7pb5lp4L3zN8W4j6Zmc79wc72W3pgkQj2z4KZbW5dcnLR75_C7bN6DKJMqBHsrvN6q_3H-kjPZ9W5b9Jyg3jQ28RW4V8zzW2LxfkzW5Px6BS7kMDBhW7Rm_l477nhBfW3JsbHx9lRYt-W9jzyc980yBxWW8RzV9b1MynWPW6lXZkF20bPZtW1m6qgK8GLBv_W1rwV047CYq5YW7vrVrD4GvTdSW2KT3wh4k08JtW2QhQtD9bnL7fW4h70mV5SdXTdW3qW3Hw8jk5QFf3NzRtb04) [Website →](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3lCN6F09PfG4DqvW83jkNK7PP_KdW71ftKm75YkN_V3sqRs5Mb-pzV7gRDT99qsqRW2d1-jf8qBT9mN1Tl1m-6ZDf3W6h6cnm4B-Z__W8sK4LD4cH9S_W7glsst8K4hk-W4tQ_BB8qs_XsW9hkjwX4W2qbHN1TvK60LWDPGW1wLh_941XJdhW4gWRzt36sq6jW57H2RT5CRhjCW3TCYWg6DSPsdW2pYxrq7jkhQ_W2qMX1j499kXPW23qwL-6-Zjx1W5kR51v5wNgf4W2GlF633Tj06zW53FCLT8DjQXGN8SVVqgfysJBf8257kq04) [Instagram](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3llW6Xb7wb6Hc_FsW7VzsLK7BRj3mW8fsyZQ6rZN8PW8GlR4N755qj5N2q0xxVQlhs8W202N2k3c_8L7W2BTHJf8Wsxf1W8JV8pS5qFSGgN5yVbbX9w4dhVVWp1g8bJYByW8SkJ9B5xv_MVW26r-Br82-HBmW6CCpNR5mTxg1W7R4RyV2QhZZNW7Yp-cD3gfSpBW6KKrjS5dTW-4W7pd2Nc1bGvNpW2C2-yj2V4xFFW6VsVCR2250CPW40SFw52Pt8HwW79PrV-11rWGjW8rFRQl16hPSyW6x5mXV7kY1GXW7DX4HR3J90D7f76Mx1v04) [LinkedIn](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3pRW5-4cvG4n0_wxW3wqJqn2G_0M4W3nlxcs1KVvVhW3gdyc25X6xfJW6rZ0R170bFmTW6Ktcrp1TTk46W7H7yvq4prFr3W5CZw4d4kCm9-F6SWvByQ_HvW6lZvn55rslC-N1pC7qq2-6LlW8k12X85V2vFmW3b74sl7G0t9rW2lZV9n76HJLPW8C4GKV4FCNbqW5RvhXn66c6vgW3mXpXz65htYbW77nDl19jVzctW2xskzC2l515SW51F89M1zx0gYW5q-gvd8_CSzyW7l5Rr_1jn2wmVC0QYy4RCzlhN4hh9gHfbwWGdycN-R04) [Twitter](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3pyW8LgtXj2Qm_ydN1XtzcbFZj2hW2FmXWK11BzCVW6wlHWr4yn8RMVjlrhM5DGKWvW6W8MjT6shHn-VGQgPJ8B5Vg8W1X7jk_2DPghhW5qlH_25S7vdlW98hs3h1KPFKXW5_hFCr9hGqMSW4JPJJ32SP5hhVKHDc459fDZ1N5lg-8Rlv8PmW6K3sTF9dVSbhW7nvK6b6GvD2PW5fypnZ1bX1lXW3_6qLF2dkm6RW4P0qyJ1yBTT1N119zQ0sVvN0W9jS2jf2XcZh-VSLssx6VZjb8W2PdFf48SBl6bVLv1XQ19pC9Mf772z4W04) [YouTube](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3q0W4KCl4v5-sdgPW8q9q_83n70VKW4GTQ2C2ysPk-W7kd9xV4n5nfjW8jt9BG7tvMBLW9j13t-8psjT5W9bN_gZ3VmtcqVn5k0w6BMXTzW1RX0nz1QW5nQW4qMfv69fKv7KW3F_cm47b9rS5W5nNKlp7NC7cCW5nNPql6jN2S5W63h7tf4QVyG_W7jVHV93SSCR9W4CWvxW47H6F9VSp8wL7FCXBXW3HkvT_1NSKc3W8c-m1V6NrJYNW5Nll972V5B4XW76-Lj_7qdBBwW6kd7Pn1ss0cqN3yKc7P9_mfJW45Vf814M55cZf4RHxRM04) Was this forwarded to you? [Sign up here.](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3nMW1172-Y4L-Q2XMwgvXxZw9prW7HHmtq4rNy6-W7pgh4x4cMjd7W2fW6NZ5Q89DvW45mpjB2BwdrKW739MhR2PHHftW7Ph79z4dVs5xVj6MdX8D4zgGW4xqJtK90Zx56W23nrDg5pB1wZW4vRQhG3MR1XnW2xVmxm1QJWVSN4V1X_H-LvQWW4tZDqV6DmzWNW36C7jM3rdKmqW5wv5lz9cp9NdW3zDbBN2YZc6RN3MGMfTDwbJHW3N0ydY1TGPMcW31z9Y370hN1CW84y0Vk7FLTt5W8M6qql46WZbwW2sL5BH2zz183f1ldFs804) [Unsubscribe here]( [Manage preferences]( I Will Teach You To Be Rich 548 Market Street #89946 San Francisco, CA 94104-5401 [20th Anniversary Badge](113/d586LZ04/MWx3WQtL2_rW8KCkKr87sv4NV7Wb0N5g3BSQN5yXtkR3qn9gW7lCdLW6lZ3lHW8PRSPt1cH9-wW4g5sLn1T-Gs-W1YjlvW6sl55rW1HrZLd40VDwlW1mjqy56jVvg8W3G0X277wHSHfW4pssmM6GYY3XW7p77NC2wvzysVXHw3068rk1sW3phCfY7jBsWBW2wwvZm7vtT--W8HJ5kx6BKfrFW4Z0hNQ7JhRvxW3PKYlz3m5JTJW7vJ12G4GbrfFW61ZhrZ2dxKr8N63T9jM3QtDfN7rCF2_kVJlZW4rWdsh6yQV2JW7NMbM326N_81N1c97pt9Q53lW4X8KTt8TLtpkW7mNSMT1jbrstW1Ft1Xq44LQ7sf7jWhm204)