Kel Galavan

Do we know which ones they are?

And look, I mean, it is getting more gamified and I'm all for making money a game, but not to the point of gambling.

It's the point of disciplined fun and growing over time and the little small wins.

But do be careful if you're finding that people are recommending things to you or you're finding that a particular app is recommending things to you.

Be careful.

Make your plan first.

Because if something's been recommended to you and you don't fully understand the exact reasons, and I'm not saying this is not, it's not a capability thing.

It's not an intelligence thing and it's not a momentum thing or a motivational thing.

This is you need to fully understand where you're putting your money.

And that is important.

So if there is an app,

And I don't know of a particular one or I'm not thinking of a particular one.

So please do not get me wrong on that.

But just be very careful if something other than you is recommending a product to you.

Yeah.

And it's not just those, like there are any number of assets or products out there.

It's like there's as many as there are piece of fruit in the world type of thing.

So some of the main ones would be ETFs.

So ETFs, they're exchange traded funds.

So they're a relatively new product.