Owen Raszkiewicz

You can have them all.

In fact, I would encourage everyone to have all of them.

So, you know, think about it more so in terms of overall accumulation.

How much of all of these things can you accumulate over your lifetime?

or into a redraw facility where you actually put it on the mortgage and then you have to apply to get it back kind of thing so those are other ways that you can kind of keep it out of out of your little bits or you can put in another bank account with another at another bank cut up the card so you can't access it easily and automatic payments out of your bank accounts just to anywhere else that's just away from you just as good so i i definitely i wouldn't think it's

Okay.

How about when people say...

Retirement is so far away for me.

I mean, this is probably a younger person thing than a middle-aged or an old thing, but so far away, retirement sounds boring.

What would you say?

Someone said to me the other day, or didn't say to me, I actually heard them say it.

They said, no one's more motivated than a young woman who's just got engaged, right?

And it's true for money matters and like paying off a credit card or wedding, children, you know, you just found out you're pregnant.

Whoa, now I need to start being responsible.

The other one is, oh my God, I'm going to retire in five years and I've got to actually rely on this money.

All of these things, buying a house, all of these big things can be sold.

And painlessly, if you just think ahead of time, just a little bit, just an hour or so here and now, to think about these things that are maybe 50 years away, I guarantee that every minute you put in now, you'll get back a hundredfold.

Not even in terms of money, just talking in time and just effort in understanding this stuff.

Totally.

Yep.