Phil Town

You can do the math.

For example, somebody who's 45 years old right now who wants to retire in 20 years is going to need about two and a half million dollars in retirement capital.

to make it to 90 years old spending in today's capital, in today's dollars, about $50,000 a year, Nathan.

And nobody has that.

Okay, so number one, you're not going to get there if you follow the current advice.

Second possibility, you're going to be an active investor, invest on your own and learn how to do it.

And that's, you know, we have...

400 people a month coming out here to Atlanta to learn how to do that.

So that's second choice.

And you're right.

I mean, we have thousands of people a month who come into our marketing and do determine they don't want to do it.

They just say, no, I want to move on.

So then the third choice is you find a financial advisor that knows what they're doing, who invests the way Buffett does.

And you put your money with them.

But unfortunately, the guys who can really do that are all hedge fund managers managing billions of dollars, and they're not going to take your $50,000.

So we're trying to fill that gap.

We're trying to step in and see if we can't make that happen.

I mean, he speaks out.

Well, the bet he's making is that an active fund cannot beat the index.

Now, of course, over time, yeah.