Owen Raskovich

It's not like the what.

People just go in with, this is what I want, but why are they going to pay you that?

And I think that's a really good point.

Think across the table.

What are they incentivized to do and why would they do that for you?

Okay.

That's great.

I love that advice.

And we keep coming back to that throughout this series.

It's just getting a pay rise can be one of the most powerful things you do because it's effectively free.

And it also means that it's pretty much better than most investment returns you can get because it's a consistent stream of income.

So number four, Kate, is I think pretty motivational for people who are maybe just tuning into their finances for the first time in 2020.

Yeah, and I'd say it's like talking about money with your family.

Starting investing with small amounts of money doesn't have to be a young person thing.

Absolutely not.

It's never too late to start investing.

You hear of people who start down the fire movement in their 40s or 50s and they retire in 10 years or retire early still.

Starting small and just being consistent with saving is

And then also consistent with investing in yourself and learning what you need to learn is a great way to go about it.

So I think this is kind of just timeless advice and it applies to just about anyone in any situation.