Brian Orlando

So it's like, okay, you have this dream of retiring early.

Let's kind of back into this.

Again, just setting up those simple accounts, whether it's FHSA, TFSA, RRSP.

paying yourself first, actually setting up a schedule.

I think it's important to budget and save, of course, right?

And, you know, have an emergency fund and everything like that.

But a lot of people, I don't think of like why they're doing it or what point they're trying to get to.

Everyone just wants to back into some magic number of, okay, I take 4% and I want to, you know, have $80,000 a year.

So I divide that by 4% and I'm like, okay, I need $2 million or whatever.

And then I get to retire early.

But actually, what does that look like, that plan to get to a point where you could look at retiring early?

I think purpose goes a long way too.

And I think people should always have some purpose in life.

And retiring early is kind of a pipe dream somewhat.

But really just paying yourself first, automating it, doing a low-cost broker, using your tax shelters, just investing in really simple, low-cost, broad index funds, globally diversified.

These all-in-one ETFs are pretty amazing to me.

Where it's kind of again, it's like the more you learn, it's like you kind of just go back to this.

I really like it personally.

Like it's it's so nice to rebalance.

Rebalancing is a painful thing to do over time.