I subscribed but did not get the ebook unfortunately
@PhilGalfond Жыл бұрын
You're so welcome! Let me know how you like it!
@PhilGalfond Жыл бұрын
You must've already been subscribed? I just sent an email out to all subscribers with the ebook so everyone has a copy. Let me know if you still don't have it.
@ГеоргиКръстев-у7ю Жыл бұрын
Thanks Phil!
@adrianoalves20 Жыл бұрын
I want Phil Galfond as my coach.
@alvaroramiro8364 Жыл бұрын
No, you want him on your couch you dirty little bastard
@sabvbaumgard1 Жыл бұрын
Ok
@bobsburgers8885 Жыл бұрын
I want to be as good as Phil was when he "wasn't that good at poker"
@jluchette Жыл бұрын
As my life coach.
@domenico5509 Жыл бұрын
Can’t believe how much effort you put in these contents that you gift free to us!! You are one of the greatest of all time poker ambassador . Thank you a lot!!! Very helpfull
@PhilGalfond Жыл бұрын
Thank you so much 😊 The team and I worked hard on this one.
@Bingobangoer Жыл бұрын
I hope you see this Phil, I myself am 21 and have gotten to a point now where i feel comfortable enough to go pro and i just want to thank you for the content you put out. It has really helped me in my journey getting here:)
@PhilGalfond Жыл бұрын
My pleasure! I’m glad you’re following my content. Hope it helps point you in the right direction. Good luck 🍀
@KEEPlT1K Жыл бұрын
@tomenglund6691 @philgalfond I am 22 , have been playing since 18. I want to take my game to the next level. I have good bank roll management, but lately I have not been playing as much due to work, trying to get my marketing business upfloat, with the cost of investments and living in California, it gets expensive. My last few sessions I have felt like I was not playing as well as I would. (mix running bad as well as not playing my best) I definently do not want to have my game downgrade, as when I was 21 I was killing it. The whole point is, since you are a young player taking it to the next level what are some tips / help to keep elevating, while with your bankroll management? I would appreciate a reply if possible. Goodluck on the tables Tom!
@santaclause3487 Жыл бұрын
So u enjoy playing poker all day long and studying it? Those to things seem to be key. I remember thinking Dan Coleman was a big baby cause he hated playing poker, but after a while it made sense why he hated it so much, just was boring to him and didn’t like being around a bunch of degenerates all the time.
@JamesGamesMTG10 ай бұрын
😂
@TheKestrol Жыл бұрын
Hey Phil, I just turned 26 and feel like I'm at a crossroads in my life and just want to thank you for your videos. I don't even know yet if I'm gonna take the plunge to try to play even semi professionally but I really appreciate the wisdom and kind of calmness you offer me with your videos. You strike me as someone who does deeply care about others and them achieving success in what they strive for (and beyond). I wish you all the health and happiness in the world. Thanks again
@PhilGalfond Жыл бұрын
I do care, and I love to hear that the videos are making a difference. Good luck figuring out the right path for you. If you’ll look out 5+ years and where you want to be, instead of right in front of you, you may find some more clarity.
@gtheofanopoulos Жыл бұрын
I am 49, now business owner and content creator, MSc in something, ex poker pro, tv commentator, online poker company experience and many other things and I endorse everything you said. Well done, well said and please keep it going. There is nothing like this out there, that honest and insightful.
@PhilGalfond Жыл бұрын
Thank you so much ☺️
@coreyhuggins5785 Жыл бұрын
the fact that you spent the time to create a free mindset ebook, as well as the time to make every one of these youtube videos, not to mention everything else, shows that you are the coach who cares about the students outcome and well being. You're awesome, this comes at a time where I am struggling to act on my goals and hide behind media instead. I appreciate this! Thanks phil
@PhilGalfond Жыл бұрын
My pleasure!
@johnnyguttilla3009 Жыл бұрын
I'm 37. From the videos you share and the stories you tell, it seems we have similar mindsets/personalities and we grew up on somewhat similar paths. Difference is I never was able to find the same financial success in poker as you did. I'm not sure what my point in writing this is other then to tell you that the content you put out is very inspiring and motivating. Please keep on doing it. No one else articulates it as well as you do.
@PhilGalfond Жыл бұрын
Thank you very much 😊. I’ll keep doing it!
@kasinontaku9612 Жыл бұрын
Videos like this = why this is my favorite channel on KZbin!
@PhilGalfond Жыл бұрын
Thank you so much! We worked hard on this one!
@Moonlightmaster Жыл бұрын
"Staff that has become like family" + positive feedback + sunk cost fallacy That makes pulling the plug and being logical about it quite a tough one. Galfond Challenge on RIO Poker during Covid was pretty incredible and provided some fun and excitement in those dark times!
@PhilGalfond Жыл бұрын
Provided me some fun as well 😃♥️
@Vincenze9 ай бұрын
So many of these videos apply to life and other areas too, great stuff 👍
@rudyinvegas Жыл бұрын
I love how you're always pointing out your mistakes, no matter what the subject. Nice to see someone 10x smarter than me be so self aware, almost too aware of your flaws. As always love the channel Phil.
@PhilGalfond Жыл бұрын
Thank you for the very kind words 😊 I try hard to be self-aware. It takes real effort, and I’m sure there’s a lot I don’t see.
@silentkill2k Жыл бұрын
Thanks for the content Phill. Your perspective is genuine and really hits home, even with all the success you’ve had it’s down to earth and at eye level. Happy I stay till the end each video, I could go on a tangent but I just really wanted to say thank you, you never know who you’ve inspired.
@PhilGalfond Жыл бұрын
Thank you so, so much! Those words mean a lot to me. ❤
@cassienlabesse Жыл бұрын
Man this is some of the most wholesome and valuable poker advice out there. You're a humble man, it feels good to listen :) You'd make a great mentor!
@PhilGalfond Жыл бұрын
Thank you very much :)
@PeterChessPupil9 ай бұрын
dude this humility this wisdom actually swayed me in converting my belief that you are indeed the apogee of youtube poker content.
@jlieberman22 Жыл бұрын
Thanks Phil!! You give back so much to the poker community and while looking for nothing in return. Your intentions are to help others succeed and that's it! It's just so pure and rare these days. So thanks again!
@AirWouldBeGood6 ай бұрын
This is phenomenal business and life advice. Success in one arena does not translate to success in another, even a closely related one.
@RealInfiniteCrypto10 ай бұрын
Love your content Phil! Thank you for putting out such quality
@GregGoesAllIn Жыл бұрын
Love the content. Informative, grounded, relaxing, high-production. Your article writing is fire too btw, just to mention the elephant in the room.
@PhilGalfond Жыл бұрын
Thanks, Greg!! Although I don’t appreciate you being more clever than me.
@RezzPoker64 Жыл бұрын
Hey Phil! Im 25 and Ive been a poker pro since 21. I watch all your content on social media and KZbin as soon as I see them posted. You are truly an inspiration to youth like me , thanks for your time to create content, your genuine honesty and care for poker community. Hope to meet you up one day in person. Watching this video in particular made me feel relaxed and motivated as I figured my path is the right one :)
@PhilGalfond Жыл бұрын
Really kind words. Thank you so much for sharing that with me. ♥️
@Pokerfarhang Жыл бұрын
Great video, thanks for opening up 🍀🙏 I'm 38 too, but I think I've wasted so much of my potential along the way
@PhilGalfond Жыл бұрын
Thank you and you’re very welcome. The good news is, you’ve got plenty of time left. We’re still younger than it feels like we are.
@NoSauceNoSauce8 ай бұрын
Love the old school young Phil picture with a bunch of friends cramped in a dorm room. Am I the only one who paused the video cracking up?
@maxev817 Жыл бұрын
Phil, this video is choke-full of wisdom, for young kids and kids at heart, delivered in your low key style. You don't know me but as a member of RIO, I respect you even more. I didn't think that was possible.
@PhilGalfond Жыл бұрын
Thank you so much 🤗
@Itsjustme1982 Жыл бұрын
As a guy whos been playing poker for 10 years now, in my early 40s and with a career. One of my biggest difficulties is setting my structure and stop / loss and responsiblity in poker. I'm surprisingly a winning player after 10 years of playing it took me a very long time. Really enjoyed watching this video. Structure is unbelievably important and responsibility. Poker is a game that demands the best out of you at all times. Great video. Look forward too checking out the Mindset Strategy Playbook.
@jeffshackleford31529 ай бұрын
That Pete Clarke course, " From the ground up " is possibly the best deal of any course of anywhere. That course is absolutely worth every penny and Pete explains things well enough for a moron like me to understand. I really appreciate what you, as the founder of RIO, and Pete have done for my game. Thank you Phil and Pete
@jessemac401 Жыл бұрын
Finding good coaches/mentors and connecting with people in general has been a challenge for me. Thank you Phil for sharing your experience and wisdom, it is inspiring.
@st1nos Жыл бұрын
thanks for giving back by creating this free e-book, phil. much appreciated!
@PhilGalfond Жыл бұрын
You’re so welcome! Please let me know how you enjoy it!!
@erikbeukelaer9054 Жыл бұрын
I’m 21 and looking for insight on how to go about a lot of things, not just poker and watching this video gave me a lot to think on. Thank you!
@martincarr7486 Жыл бұрын
Phil seems like a genuinely nice guy and very honest and straight talking dude, one of his biggest strengths for poker is his temperament and his personality
@benhusmann6521 Жыл бұрын
You're awesome Phil. I really enjoy these opportunities to share in your journey, and grow from your wisdom. Thank you.
@PhilGalfond Жыл бұрын
Thank you so much 😊
@jluchette Жыл бұрын
Absolute gems, Phil. I’m your age exactly and I could be used a lot of this advice years ago, and need to apply a lot of it now. Thank you so much for sharing about your personal life. That takes courage & genuine concern for others. I have a ton of respect for you.
@tomprice4016 Жыл бұрын
Great video. The part about mentorship at an early age is huge, IMHO.
@PhilGalfond Жыл бұрын
Thank you!!
@noongbat5272 Жыл бұрын
I’m 21yo starting to take poker seriously, this is unbelievably relevant to what I have experienced already and gives me things to be mindful of and ready for in perusing my dream. Thanks Phill as always very worthwhile content and advice
@PhilGalfond Жыл бұрын
Incredible! I'm so happy I put this out.
@senaaish9 ай бұрын
Even though the video is 4 months old, and I am a "smartest" 23 year old newbie finishing Master studies, I watched every second and realized you mean everything you said. After my term exams are done I will read your book. Thank you for the advice Phil! My whole life I watched my father play live and online and literally crush It, and I hope with the Knowledge he gave me and the one I will aquire throughout time I will surpass him one day. Best regards from Montenegro
@Tony-zv9eu Жыл бұрын
The quality and value of this video is off the charts🤯
@PhilGalfond Жыл бұрын
Thank you 😊
@MrAvrahamt Жыл бұрын
Dude you are an amazing person. You have so much love in you . Thank you!
@PhilGalfond Жыл бұрын
♥️
@Eric-tj3tg Жыл бұрын
Always great value, Phil. I'm quite a bit older than my 21-year old and 38 year-old selves, but heard this as if I were "born again." This is gold! Thanks Phil.
@johnd5619 Жыл бұрын
The old loop back around sleep schedule. A Classic!
@kylerosenthal9560 Жыл бұрын
Currently 24, battling with things like thinking I know everything and lacking structure in my life, to a point where these are improving, but reassuring to hear someone I look up to have the same struggles at my age.
@PhilGalfond Жыл бұрын
If you’re aware of the problem, you’re well ahead of the curve!
@itsjimlim Жыл бұрын
Damn this video was amazing, first poker vid I’ve watched start to finish in a while and exactly what I needed to watch rn
@PhilGalfond Жыл бұрын
I really appreciate that. Thank you, and I’m glad it came at the right time!
@TooXtra7 ай бұрын
Phil I was playing cash games while listening to uu. And bro it’s like you’re the good Angel and my initial thought is the bad Angel. I was down to 4 bucks because I tiled and started to get emotional. But I put my head phone on and clicked on a random video of yours and just patiently waited. But when the 6-4 suited came I went all in and so did everyone. But it’s like I heard uu say. NOW. 😂😂😂😂 Thanks for your sharing your story. Along with your tips. Glad u actually care enough about us younger more hot headed players.
@stevevanniekerk11286 ай бұрын
You are the GOAT !!!.. absolute LEGEND....sure even Tommy is proud of you!!
@passiongaming7450 Жыл бұрын
Amazing video Phil, thanks for taking the time to make this content 👍🏻
@PhilGalfond Жыл бұрын
My pleasure 😊
@kevinsmith5202 Жыл бұрын
I totally relate with the whole family & relationship life putting poker on the back burner thing. I lived in Vegas from ‘06-‘12 and played poker very regularly with good success. When I moved back home to CT I lost the convenience of being able to play live poker whenever I wanted, so I didn’t play as much. Well, many years later, a wife, home and foster child I hardly play anymore. When I do though, I definitely feel the rust in my game. I play online mostly now, but I’m not the player I once was. Someday I’ll get back to crushing it again, hopefully 🤞.
@BoomtownPH Жыл бұрын
You are very articulate and I find your advice insightful. Expect the best but be prepared for the worst essentially. Be well rounded and have self discipline.
@juanalonsotaboadaalvites4539 Жыл бұрын
Thank you, Phil, for sharing your experience. Much success to you!
@JorgeMachado-rf3er Жыл бұрын
Good material Phil, i hope to success in my career in Vegas next year
@alexandergustafsson2280 Жыл бұрын
Great piece of content once again Phil, these videos + your newsletters have really been helping me lately.
@PhilGalfond Жыл бұрын
Awesome! Thank you so much! KZbin and the Newsletter are the two platforms I’ve decided to work the hardest on, so I love hearing that you’re getting value out of each.
@alexandergustafsson2280 Жыл бұрын
@@PhilGalfond The newsletter help a tremendous amount, especially when you are discussing strategy and bet sizing.
@jongjongksdvj7488 ай бұрын
I love all of your videos, and all the insights you always show us.
@ChildishPlays Жыл бұрын
Great video! Everyone needs to see this
@PhilGalfond Жыл бұрын
Thank you!!
@rhyschen Жыл бұрын
I started from scratch so many times that scratch became my friend. Even now. Its never too late to start over.
@NoirExistence Жыл бұрын
Your wisdom is always appreciated sir.
@bcsolorza Жыл бұрын
I absolutely love your content. Probably should look up the power coaching as i bet it's top of the line.
@RolandoAvila-ep7cu Жыл бұрын
Phil Galfond, the gift that keeps on giving. You are my idol and an inspiration. Thank you for the amazing work you do for the poker community.
@PhilGalfond Жыл бұрын
Wow, thank you so much ♥️ Those words mean a lot to me.
@shaunh9986 Жыл бұрын
Thanks for sharing Phil. Keep making awesome content
@PhilGalfond Жыл бұрын
You’re very welcome!
@benlondon11 Жыл бұрын
Phil, you are such a pro on and off the felt. Your openess to sharing these things that really matter in life is truly inspiring. Thank you.
@PhilGalfond Жыл бұрын
Wow, thank you so much 😊
@benji6725 Жыл бұрын
Never take things for granted. I remember thinking games will be so juicy for ever.
@brutusasterix6538 Жыл бұрын
You were one of my favorite poker players both because of your play, but also because of your personality, when I was playing poker 10+ years ago. Lately, I've gotten interested in poker again, although it's unfortunately not legal to play in my country. I really enjoy your videos - and this one in particular 👍
@kirilllosik70547 ай бұрын
priceless info, thank you so much for sharing!
@g_nizzle Жыл бұрын
Phil Goatfond!
@PhilGalfond Жыл бұрын
♥️ enjoy it!
@joepescitheelement Жыл бұрын
This was a great much appreciated TED talk, thanks for sharing all of this
@PhilGalfond Жыл бұрын
Thank you very much 😃
@joepescitheelement Жыл бұрын
@@PhilGalfond you’re welcome. One of the things I really like about this talk, is your mix in vulnerability away from the table (relationships, friendships, health, family, mistakes, short-sightedeness, etc). Only a handful of pros really do that in their material, and next to no one does it in the levels under the professionals. Too much street bravado and ego, unless you REALLY get close to your poker friends. Your vulnerability normalizes the dynamic humanism behind a poker player, and I hope more people optimistically pick up on it. There are too many miserable people in the player ranks lol
@nathansmith7335 Жыл бұрын
I love you Phil - you’re the best and thank you for being so open and honest
@PhilGalfond Жыл бұрын
♥️☺️
@mikewakefieldgeller4164 Жыл бұрын
I’ve said it before, I’ll say it again. Phil Galfond is pokers voice of reason.
@johnreyes9511 Жыл бұрын
Great story. Very insightful. Thanks Phil!!!
@PhilGalfond Жыл бұрын
You’re very welcome!
@ninjakiwi1013 Жыл бұрын
As a 22 year old really needed this. Much appreciated phil
@KEEPlT1K Жыл бұрын
22 as well, Agree
@PhilGalfond Жыл бұрын
Awesome!! You all are who I made it for! I really hope it helps. You’ll still make mistakes (we all will), but hopefully you can learn from some of mine as well.
@IconicGamble Жыл бұрын
great stuff, as always, Phill
@jluchette Жыл бұрын
I’m your age and STILL struggle with structure. It’s connected to some minor mental health issues (1. No excuses 2. I’m managing it with therapy and a med 3. There’s no “magic bullet”) and because of lack of structure I’ve never been able to SUSTAIN any success: professionally, financially, relationships, community service work… I’ve been successful at those things and maintained them for years (5+, not like a year and a month) but the lack of STRUCTURE has caused me to either lose that success completely, or to backslide. Structure. Excellent lesson. Also, eat right & excercise. Indeed, your body is not as forgiving at 40 as it is at 20.
@garyk5141 Жыл бұрын
Thanks phil for another insightful video. Couldn't agree more with how much more valuable your time is once you get older. When I was in my 20's my job paid me $16-18 an hour now making over $30+ hour but with that increase in pay, typically comes even more workload and responsibilities, which makes spending your "free"time even more costly to use for studying poker. You also have less mental bandwidth to spare as well when you do. So ive replaced an hour of TV time a day and replaced it with studying poker instead.
@jnad626 Жыл бұрын
Thanks Phil! I am 22 and just graduated college, but will be pursuing poker professionally. What you said about structure in life and poker resonated with me a lot! Even at 22 I find that getting proper sleep and having somewhat of a routine to follow goes a very long way
@PhilGalfond Жыл бұрын
Way to go! You’re a much more impressive 22 year old than the poker players I knew back when I was your age 😂
@nicor6415 Жыл бұрын
sounds a bit like my own experiences, just on another lower level. I am 36 years old, crushing small stakes sit n gos, until the point where i thought "ok i beat the game on a decent level - no need to invest in further studies until the others catch up"... - than i missed the point, where it turned around. I didnt took the changing circumstances for real... I became a loosing player and quitted because I was thinking "you are obviously not able to be consistent over a long time" - The Reality is: I was not willing to... But the game never left my heart. After a couple of years, I was finally capable to reflect on myself from a different, more mature perspective. So nowadays I am grinding just "projectwise" instead of trying to be a pro. I set my goals smaller over a shorter amount of time. Thats just fine for me. I dont need to be perfect and become the "Greatest" - doing just fine, with fun and enthuasim is more than enough to be happy.
@willinnewhaven3285 Жыл бұрын
My greatest mentor was the late Harold Feldheim, bridge expert, chess and backgammon hustler. I learned a great deal about gambling and the gambling life from him, even though he was not a great poker player.
@PhilGalfond Жыл бұрын
Awesome!
@SagostundenSvenska11 ай бұрын
Im 38 and I've done it the other way around, career, family, kids, played casual for 20+ years but thinking about going more pro now. I found it helpful. Just wish I knew where to find a good coach that fits me.
@ksmith169 Жыл бұрын
Hi Phil - Great video. Your advice rings true for broader life outside poker. I particularly like the advice about engaging with mentors who want your success rather than just the pay cheque. This is of course hard to judge but definitely worth considering.
@jongjongksdvj7488 ай бұрын
The ivey and isildur formats were great, more of some old school poker videos would be great maybe with your experience with Doyle Brunson
@BobbyKDesigns Жыл бұрын
Great video!
@Bedardraurus Жыл бұрын
You are such a great model, thank you for all the content, really inspiring.
@PhilGalfond Жыл бұрын
Thank you so much 😊 and you’re very welcome.
@golofischer1648 Жыл бұрын
such a good video phil ty
@hansmartinmikkelsenkvendse1893 Жыл бұрын
Fantstic Phil. Thank you for another great video.
@PhilGalfond Жыл бұрын
You’re very welcome ☺️
@ruebs Жыл бұрын
I bought Tommy Angelo's book early on and it was pivotal to my poker game
@bennychua9932 Жыл бұрын
Something most people won’t tell you about ❤ always big respect for this guy
@PhilGalfond Жыл бұрын
♥️
@germanvargascamelo7877 Жыл бұрын
Hello there Phil, thanks for your advice, i am 33 now and have play online for a living the last 3 years, i hope one day i could be like you, i have some pressure because i have to pay my bills with my weekly rakeback, but i love this game so i try to continuesly work on my strategy game and in my mental game, thanks also for the book, i am sure it is going to help me to remember why i do this for a living and be more prepared for ups and downs in my game
@davehimlin2374 Жыл бұрын
Here is my own original quote about the poker life. "In order to be a consistent winner at the table, you have to surround yourself with consistent losers at the table, which can have alot of unforseen negative consequences " .
@brockwilson8864 Жыл бұрын
i love these videos phil thanks
@MWBOOKS Жыл бұрын
Thank you, Phil, you are an inspiration. Great human being :)
@PhilGalfond Жыл бұрын
♥️😊
@th693 Жыл бұрын
nice video Phil, some great insights. I could listen to you read the dictionary and enjoy it.
@PhilGalfond Жыл бұрын
♥️
@SSorenchr Жыл бұрын
Great video, Phil. Really good points and reflections. I think that it is hard to think about investing in yourself when you are that young, but it is a good way of thinking
@PhilGalfond Жыл бұрын
Thank you!!
@eduardcollec5257 Жыл бұрын
Thank you, Phil!
@r.w.221 Жыл бұрын
this is really great. I think a lot has to do with fake self confidence when you are young. I could not admitt that I was wrong when I was 21. one thing I understand the older I get is that be always prepared to be wrong with your opinon. some people never learn this but the sooner you learn it the easier you can benefit. I still find it very difficult to identify a mentor/ coach as I usually want to learn something in areas where I know others might know better.
@GOPA90 Жыл бұрын
This was a fantastic video.
@PhilGalfond Жыл бұрын
Thank you! The team and I worked hard on it.
@custer14 Жыл бұрын
Yo thanks G dawg this was deep
@iGioneo4 Жыл бұрын
Thank you phil galfond
@Sportassi25 Жыл бұрын
Thank you very much Mister Galfond 🙂👍
@PhilGalfond Жыл бұрын
You’re very welcome!
@whatplan4335 Жыл бұрын
This was a great video thank you
@PhilGalfond Жыл бұрын
You are so welcome!
@placeholdermcgavinport53439 ай бұрын
How did you get the bankroll to play high stakes on full tilt at such a young age?
@johntrevett2944 Жыл бұрын
Phil, remember when you were a nit on HSP and they didn't invite you back?
@PhilGalfond Жыл бұрын
Yes, I made a video about it: kzbin.info/www/bejne/oYaqqYGjbt-ogpI
@JMP-ETTAN Жыл бұрын
So honest, top top man
@tenzinjangchup5215 Жыл бұрын
I’m 22 years old, and love poker. Play about couple times a week. I have found myself to be up a bit, then lose it all later. So tilting, so I’m thinking about seeking a mentorship. How do you go about getting a mentor?
@dgfox474 Жыл бұрын
Great content as always Phil. I don’t feel like I have the intellect or memory or discipline to absorb so much of the information that is available. I’m definitely a recreational player, who likes picking up bits and pieces of poker wisdom here and there. A lot of my (limited) success is based on having a fairly good knowledge of pre-flop ranges, and then intuiting my way to the river. I think I may be on the threshold of making more intelligent assessments of how the hand is playing out, and acting accordingly. I’m not sure why I’m sharing all this, apart from the fact that your vlogs inspire openness. Many thanks, David
@PhilGalfond Жыл бұрын
Thank you for your openness! I have no idea of your intellect, but I can tell you that I don’t have a great memory, and that discipline is, at least largely, a learned trait - I didn’t used to have it.
@joshharrison33447 ай бұрын
Did I see a Lauryn Hill vinyl in the work office?? ✊🏾 (8:55)
@jasonli5024 Жыл бұрын
Well done!❤
@I2gintel Жыл бұрын
Followed u since early on.. big fan - wat size bankroll u had then. Wat roll do u recommend for 1. Non professional who plays 4-6 times a month 2. If non pro do we need to identify a roll , money is extra doesn’t affect family n bills. Thx