How to Get Rich: Index Fund Investing for Beginners

How to get Rich: Index Fund Investing for Beginners! We talk all about the advantages of index funds, expense ratios, etc and why Warren Buffett loves this passive investing strategy for most investors!
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Timestamps:
0:00 - Start Here
1:30 - What is Index Fund Investing?
3:47 - Advantages of Index Funds
6:55 - Example Index Funds
8:58 - What I Do Personally
10:57 - When To Start?
11:20 - Schwab Study
13:16 - When Is it "Too Late"?
~~
Rickie (Editor) ➭ / coldgamerick
/ humphreytalks
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PS: I am not a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!

[@humphrey]

Note, the Index Fund is FXAIX, there is a typo in the video. Thanks for watching! Check out my free newsletter ➡️ humpdays.substack.com

[@anthonyreese340]

Great video Humphrey. I have FXAIX and Schd in my portfolio. One for the SP. One for the DJ. And yes you can go to Paris without speaking the language just fine. Wife and I have went in back to back years. Feb of 22 and Feb 23. You will find that just about everyone speaks English. At the shops, restaurants, touristy spots, and on and on. We speak Zero French. Had zero problems the first year which is why went the following year and will continue to visit Paris. Love love Paris! And thanks for the content!

[@flyingturtle22]

There is also a typo at vanguard at 1:54, Paris is overrated after 3 days, the countryside in France is much better.

[@driven_films]

Howcome all the Vanguard and Fidelity stocks are not supported in WeBull? I can't buy, trade or even interact with them.

[@shannonmullins5581]

Hey man, do you recommend I do this as part of the three fund portfolio for my Roth? I'm kind of confused on the difference. Thanks

[@johndeanconway7931]

Luv the ETFs. I own both SCHD and DGRO. SCHD is one of my cores in the managed portfolio. I also own VPU (utilities ETF), AMD tech stocks, but I also own an individual utility company like DUK.

[@PatrickHomes-hg7vu]

Sounds like you are absolutely crushing it. Great work!

[@hannahcholerton1253]

How effective is your managed tradings with this lot and which stocks wave should I consider on my fidelity right now.

[@johndeanconway7931]

lindsay stocks is not only about anticipating moves based off trends but anticipating through participating behind real top performers and attain how they execute perfectly. coach frost hilda take good care of my holdings giving me an edge to successful interest.

[@hannahcholerton1253]

I’d consider a similar viewpoint, I’m trying to figure out your selected holdings at the moment with this individual?

[@johndeanconway7931]

I currently own tech equities and ETFs constructively, having gained full insight. In terms of price to earnings ratio (P/E ratio) NVDA, AMD and few others has been my main growth drivers in my holdings. Feel free to imitate my steps

[@ChristopherAbelman]

Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important. Salute for the content!

[@beafoster747]

The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner

[@FinnBraylon]

the best market strategy is to work with a credible investing coach. Since a while ago, I've been in touch with a coach, mostly because I lack the depth of understanding and mental toughness to deal with the ongoing market conditions. You lack the information necessary to succeed in a competitive market, not because you're doing anything wrong, but rather because of your lack of experience.

[@PennyBergeron-os4ch]

That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@FinnBraylon]

‘Sonya Lee MItchell’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@PennyBergeron-os4ch]

I searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@PHILIPTURNEL]

Agree and own all 5 of these. Only thing I would add, is getting a good portfolio manager.

[@AaliyahKhalid-kq9gl]

Yeah profiting from the present market without the help of an advisor is really hard

[@RichieAnnabel]

I totally agree with you. im currnetly using one and i can see the improvments in my portfolio already

[@ElvisMarshall-xo2lw]

But how can one even find a verifiable advisor?

[@RichieAnnabel]

Svetlana Sarkisian Chowdhury is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@ElvisMarshall-xo2lw]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the recommendation.

[@me0101001000]

When I was an undergrad, one of my professors told us "Unless you plan on becoming a trader as your career AND have access to a hedge fund's research tools, you're best off DCAing into index funds and maybe ETFs." Then, he told us to take the time we would spend on staring at charts, and instead learn three things to mastery. One thing that's useful, one thing that's interesting, and one thing that's just plain fun. Served me pretty well so far.

[@moneycessity]

Solid advice. Especially the part about building skills! Investing in yourself early on is the fastest way to build wealth.

[@emayhand]

Love this advise!

[@at6867]

One of the few finance KZbinrs who isn’t a pure cringe show.

[@humphrey]

thank you

[@thomashuang8401]

The only thing people miss is that it takes time to really see results and looking at your portfolio everyday can really make you go mad (speaking from experience)

[@derekcox6531]

Oh yeah,you got that right! I look at my retirement fund 3 times a year just to see if I need to rebalance.

[@thomashuang8401]

@@derekcox6531 I contribute to regular taxable accounts so I check those when I get paid and buy etfs but other than that I try to avoid checking but every once in a while I check to see

[@jonathangonzalez907]

For a beginner tho I feel like they should look at it every day for the first year as they add money weekly that way they can understand how price action works in the stock market tho but yeah looking at it makes people go mad

[@thomashuang8401]

@@jonathangonzalez907 that’s valid, that’s how I started with learning the markets but after a while it can drive you mad

[@angiec8784]

This video was so helpful thank you so much! Also, my favorite quote was “I’d rather be boring and rich than excited but super out of money”😍👍🏻

[@ssaechao04]

Hey Mr, Yang, is this index investment you are referring to something like IUL?

[@Au_God]

What brokerage does everyone use?

[@Honey-xw7mf]

VXIAF is that the Vanguard 500 funds? Any other Vanguard funds you can recommend? What the difference between investing in SP 500 index vs the Vanguard 500?

[@richardwilliams2149]

I appreciate the context. Like bro this is so well explained very detailed and easy to follow!

[@aussiecorgis9865]

@2:00 I'm from Australia and yes CMC markets is the one that I use. Great information as always!

[@Nickkie1234]

Can you please do a video regarding different student loan repayment options

[@melvinmaatrijk5089]

For international clients which company would you recommend one starts their journey with. Asking as a beginner

[@baygonq1]

Great vid! Appreciate if you could do a dive into when to sell these funds ? say in the case of retirement?

[@Joethebro101]

Excellent video. You did a great job. Very informative for beginners and everyone.

[@helennwafor2903]

Great presentation . Thank you

[@smoothie6101]

Do you recommend So-Fi as a brokerage?

[@Kingdenniz518]

With all of these index funds Like VOO. They are ath. When do you buy. Do you buy a few now and wait for dips ?

[@evanhansen700]

Could you link where you found the gif at 13:30? I’m curious about it but couldn’t find it on the website

[@user-ug1ko2gt2d]

Whats the difference between VOO s&p etf vs VFIAX?

[@iDrive123]

VOO is an exchange-traded fund, so it trades like a stock on an exchange, whereas VFIAX is a mutual fund that is bought and sold through the fund company at the end of the trading day.

[@rokktober-personal]

Humphrey speaks my gamer language, I love it 😂

[@thefilmguy]

Is an index fund the same as a mutual fund or are they different?

[@jackreign67]

Always look forward to watching your videos Humphreys . God bless you

[@renansadak]

Great video. Thank u

[@venuswealth6]

Hi Humphrey, thanks for the video! Can you walkthrough your portfolio in one of videos?

[@georgegraves1040]

I'm Interested How Do I Get Started

[@robyn_southafrica]

12:52 oh you've got jokes hey 🤭 Great educational as always Humphrey! Always clear and concise 👌🏾

[@Dannyboy-ot3sk]

What app or website would be best for investing in a s&p 500 index fund I am literally just starting and i want to have passive income while also supporting it with individual investment towards what im in investing in

[@pattiobrien-richardson1881]

Thanks for this video! Question: Is there a difference between the S&P and the Vanguard S&P?

[@TamaraGodina]

What are your thoughts on moving from individual stocks to ETF? That would mean selling and taking a loss on some stocks I want a balanced portfolio, with growth investments, safe investments, and also a focus on dividends

[@jaidenSalinas]

I am with you, I hate selling stocks, it usually feels like a mistake at the time and in the long term it almost always is. I can see the appeal of the buy it and forget it aspect of an ETF. Great for people who want dividends and don't have the time to research individual companies.

[@Chaim127]

I can’t decided between VTI/VOO. Also I wanna add on SCHD

[@tkernel]

7:45 - do you have the link for that video? Didn't see it in the description or comments. Thanks as always Humphrey!

[@humphrey]

it should be the end card at the end of the video, otherwise look up "Three Fund Portfolio Humphrey"

[@tkernel]

@@humphrey thank you!!

[@mcorral00]

Can you make a video comparing index funds vs ETF’s

[@TheSnarkyRobot]

Great explanation of index funds.

[@humphrey]

thank you mr Snarky Robot

[@nicholaswebb1140]

Probably a dumb question, but are you able to buy for example Vanguards s&p 500 index with a different brokerage like Fidelity or Schwab?

[@88Capybara]

Yes! You can buy a vanguard index fund with a different brokerage account :)

[@xunravel1041]

$VOO on Schwab for Vanguard’s S&P 500

[@jkim1241]

@@xunravel1041voo isnt an index fund, its an etf

[@DrMikeTh]

Thanks Humphrey, another great video

[@humphrey]

Thank you DrMike!

[@regularMattMatt]

Is it best to keep all your investment (ira & stock) in one company like vanguard or fidelity? Thank you for this informative video.

[@ilikefriedriceg2263]

No, try as many online brokers as you can and take advantage of the free sign up bonuses

[@humphrey]

It comes down to preference, I have a few brokerages just because Im always testing different ones, but most people stay consolidated into one.

[@zcavaricci]

What's the difference between investing in VFIAX and S&P 500?

[@ThunderMaster1764]

14:07 Well, there's one little red dot. But yeah i agree with you. 😂

[@sricharanpusala2469]

This is probably the best video on investing I've ever seen. Perfect balance of information, being easy to digest, and evidence-based. Also if you make merch like the one you're wearing in the video, id 100% buy it LOL. If not, please drop the plug

[@manubisbee1]

Perfect timing in the sheets. Made me laugh out loud. Thanks for the great info as always.

[@comedyman112]

XTB is also a big broker in Europe

[@uzieltd21]

For philippines how can we trade internationally. Thanks

[@JaeHPark-so7dy]

Great informative video as always!! What is the difference between FXAIX and VOO?

[@TiagoRamosVideos]

Very interesting 👌

[@brettgirl]

"He was a wizard...even in the normal sheets" 🤣🤣Humphrey you wildin'!

[@baddboo]

“Ashley Action”Sounds like an old VHS my friends dad once had😎….

[@lorireiter8439]

Isn't there always the concern about the operating ethics et al of companies and with index funds there very limited knowledge about every individual fund?

[@kylekubik4468]

What do you think about semi conductor index funds? Such as FSELX

[@humphrey]

Dont know too much about them, so long as they're diversified I dont see why not - but wouldnt have all my nest egg in just one industry/sector

[@lewismeza6928]

Love your videos. Thank you.

[@ljiljankocurcic8893]

But you didn't say how to actually make money with index. If I just keep adding more investment, the number is growing, but I don't make anything unless I sell. So, do I sell at some point and then reinvest? If yes, when is that point?

[@MDJinTV]

Is it better to take care of CC Debt before investing in funds?

[@qwertykid18]

All debt above say 8% should be gone before investing.

[@Draega007]

I put $15 a week into funds while paying off debt. Only because I'm almost 40 years old and missed many years of investing. If you're 30 years old or younger I would knock out debt completely before investing.

[@MDJinTV]

@@Draega007 22 ✅

[@humphrey]

Yes, would take care of debt first!

[@qwertykid18]

@@Draega007 those are rookie numbers. Gotta get those numbers up

[@funes90]

What do you think about those videos in the hype about make millions selling options? Could you make a video about it? Overated? Thank you

[@rs7458]

As someone who has been investing in a Roth IRA for 2 years now…it seems S&P 500 (domestic),FTHIX or FSPSX (international) and FXNAX (Bond) are the way to go? If so, what’s the best way to divide if putting 4-6k a year? Do we put it all in at once or little by little each month? Just want to be accurate without using an advisor.

[@infamouscavalier9446]

Is there a reason not to choose an ETF over an Index Fund?

[@seeker1287]

What are your thoughts on LEAPS? I feel like matthew monthly would have done well DCAing into SPY LEAPS and rolling the winners quarterly.

[@humphrey]

have never tried them myself, I know they can be a good option for some people. I cant comment b/c i have no experience with them

[@stephenedwards9341]

I'm in the gym right now with this vid... And LOL with that shin hit. 😂😂😂 Good video!

[@Loha2005]

Does anyone else find the background music extremely calming? Lol 😂😂😂

[@obrienortega6942]

I have VOO, SPLG, and JEPI

[@humphrey]

Great!

[@nestordiaz2930]

Humphrey have ever looked into black rocks I-shares? They also have a S&P 500. I just would like to know your thoughts?

[@humphrey]

I havent, I can look into them.

[@DiJourne]

Seems like index funds are the way to go. Thanks for this videos Humphrey! 😊

[@FatLion]

Could I put all of my money into index funds while consistently working Until I generate enough purchase a House with a sizable downpayment?

[@humphrey]

Yes, you could - but youd have to be OK with all cases of volatility

[@jenniferwatkins6451]

Hi Humphrey, thank you for the great information! I’m a late bloomer and just started a few years ago, but am catching up quickly. I’m now in my mid 50s and hoping to retire in 10 years. Does that mean I should not be entirely in index funds?

[@sup4528]

Not Humphry here.. but personally I would recommend putting 10-20% of your portfolio into riskier investments such as smaller stocks that haven't been around as long. Do your research and figure out what you think might be one of the next big companies. You could be looking at a 10x on the right one. Just look at Google for example, I have a friend who invested before it was a billion-dollar company and made millions within a few years. I'm not a financial advisor but personally I'm interested in where solar and electric vehicle companies will go. Especially with a lot of countries proposing they will be only producing electric vehicles within the next 10-15 years. Another safe bet could be silver because it is an essential component in solar panels. Obviously don't just listen to a random person in the KZbin comments but I hope this helped.

[@acastr1234]

Where's VOO?

[@denaetak1147]

I am within 20 years of retirement...just getting started...stupid on my part...you kids listen to this man.

[@SabrinaSLund]

Thank you for making these easy to understand and educational videos for us! I’ve been binge watching your channel and shared with friends and family.

[@rodb4523]

My brother just came back from Paris, and said everyone was very nice.

[@CuaKay]

This was sooooo helpful! I’m exited to buy some

[@humphrey]

Great to hear :)

[@RyChOr2005]

Wish I saw this video 15 years ago

[@bouabdellaouibasma4173]

So please don’t judge me I am totally ignorant about this and I am trying to learn. After watching the video it seemed easy and promising to buy index funds. I just want to know how. Do we reach out to one of those companies like fidelity and enroll with them or make the purchase? I would appreciate any type of advice thanks.

[@aadeorukhkar]

@humphrey: Nice assortment of index funds and thanks for the excellent graphics of all the hypothetical folks. Your “wizard in spreadsheets and normal sheets” was hilarious. Didn’t see that coming but made me chuckle 😅 👌.

[@hardlife507]

VT and chill.

[@DorathyJoy]

Major indexes booked their worst yearly performance since 2008 thanks to drivers like the recession, war, hiked interest rate and inflation which so far doesn’t seem to be easing off, so I’m left wondering what 2023 has in store for us investrs, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here, is it a good time to buy or do I wait?

[@RaymondKeen.]

I agree, having a brokerage advisor for inveesting is genius! Amidst the financial crisis in 2008, I was really having inveesting nightmare prior touching base with a advisor. In a nutshell, i've accrued over $850k with the help of my advisor from an initial $120k investment.

[@RaymondKeen.]

Personally I work with Margaret Johnson Arndt a registered Investment advisor. Quite renowned, search her name to get in touch.

[@scottgandy8824]

Stay the course. I made 41 percent gain in 2023 in index funds

[@scottgandy8824]

Point is you don't need an advisor with long term index fund investments

[@AbhishekSahaindo-us]

@humphrey I think there is a typo for Fidelity s&p 500 index fund- should be FXAIX instead. Great content 👍

[@humphrey]

Thank you, added it to my pinned comment, apologies.

[@berttorpson2592]

Man idk if he’s gonna see this, but I have like 6k in an “emergency fund” brokerage sitting as cash, should I index fund it? Since it’s just sitting

[@18agarciaable]

Index half of it

[@wubwub1001]

I have a 3 fund portfolio of index funds in my Roth IRA as well as a 401k. Should I also have another account that I'm investing into index funds that's not necessarily tied to retirement? I guess a personal portfolio that's just icing on top of my retirement cake?

[@siddharthsingh5044]

Would ETF versions be a good alternative to Index funds. Like the S and P 500 ETF and some other Vanguard ETFs (VTI, VOO VUG, VBK). Asking as TD Ameritrade doesn’t offer index funds and my account has been setup there for a while. Is it worth moving to Schwab.

[@humphrey]

Yes the ETF equivalents are also great - either one

[@nathanludwig2562]

Very good video

[@kennethmatthewravenstar5903]

All the best to you, Humphrey! Keep the learning coming!

[@LazDombovic]

Killing it Humphrey. Thank you!

[@naeemajonhson9589]

Index Funds. Dumb question lol but are Unit Trusts and IF the same thing?? 😅🙈

[@Patriciabanks5]

I have 35% of my capital investments in an IRA, 25% in index funds, and the balance spread across other investment accts totalling over $250k. I took a big hit in Q2, 2023. Right now i am just looking for ways to recover.

[@ScottArmstrong12]

Although I've made a lot of financial mistakes in the past, I don't regret them since I've learned from them. The most significant one was entering the market without experienced professional counsel.

[@KevinClarke9]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@LukeMcfarlane5]

please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@KevinClarke9]

The decision on when to pick an Adviser is a very personal one. I take guidance from ‘Carol Vivian Constable‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.

[@LukeMcfarlane5]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@hraqhraq]

is it good to do DCA now with this bloody market or just take 5% on cash until market finds a bottom, is any of these going to hurt on the long run?

[@humphrey]

according to schwab study --- DCA or LUMP sum wins long term!

[@hraqhraq]

@@humphrey My worry about such studies is that these companies(banks or ETF) have conflict of interest and they may be not telling the real truth. We need independent advisor without conflict of interest showing these are true and publish their study values and parameters and data from authentic sources.

[@moneycessity]

Hard to pass up on a guaranteed 5% in this market...

[@itsathing4823]

Mutual funds can be index funds too. Learn your terms

[@Meljovt_brewery]

Humphrey. I have a Roth IRA with Janus Vanguard and my account was automatically went to Janus Henderson. Didn’t understand how it was transferred. Does it make a difference between those companies? Thanks!

[@chrisdarr3774]

Good video Mr. Yang. This is exactly what the public at large needs to hear.

[@maxwelljunior9350]

I'm delighted with the choices I've made this year as we approach its end. Despite the market conditions, I took the leap and invested in the market early on, and it has truly been a life-saving decision. In the past seven months, I've managed to turn my initial investment of $35,000 into $100,000. While I understand that this may not be as impressive as what others achieve, I'm still grateful for the significant improvement in my financial situation during a bear market. I share this comment as a source of motivation for all those who have experienced losses in their investments or continue to face challenges. Don't give up, because the right investments have the power to transform your life. If things continue to go well, I may even consider retiring soon.

[@charleskurt2152]

Exactly how long did it take you to understand that ? Because I have been doing everything I can to profit from this bear market for the last seven months, after watching a lot of trading vidoes and reading a lot of strategies and technical analysis books and still have nothing to show for it, am slowly leaning towards the idea that am incredibly unlucky in trading, plus I should be retiring in a few months, so any advice would be good, and yes, I've tried getting a CFA as well, but it's hard to find one that really understands the full gamut of the different sections, I am very open minded and if I can't have it all then there is no point If you know what I mean.

[@maxwelljunior9350]

I was able to diversify my portfolio into Real estate Crowdfunding, basically Reits, Stocks and The Crypto market. It took me Just over a year and i had to rethink my strategies, which took a while, but I finally had the answer and it was uphill from there. my CFA has been great to be honest. It’s been all Him, I was only able to achieve this much with His management, although it took me a while to get to the CFA I'm under contract with right now.

[@charleskurt2152]

It’s hard to get good advice on diversification. I still dont have a solution yet, I've lost over £63k so If you can hook me up with your CFA, that would be nice, I really need a diversification option right now and I'd appreciate the help. The best option, plus little more information, like how much to start with and all. It would be great if you could help with that.

[@maxwelljunior9350]

I see what you're saying, so I'll give you some sauce, I recommend Robert Carlos Wright, his general market knowledge and assets management skill are truly first class, if you do your research you'll know for yourself that the old man's work ethic is off the charts, I've never seen anyone so dedicated, so I'm pretty sure it would help you get back on the winning part. As for your capital, that depends on you, but going with at least 25k USD will be a good start.

[@mikemike1200]

That's good information, it wouldn't hurt to throw in 10,000 and see the result.

[@davisj.miller1541]

Humphrey, I thank You for all the valuable videos! I began investing at the age of 35, primarily utilizing my hard work, dedication and with the assistance of my financial advisor, Christy Val D'souza. Now at the age of 48, I am delighted to say that my retirement income has grown enough to take me through my later days in life. So don't hesitate to take action when you can. Remember, it's not about achieving wealth quickly, but rather about building wealth consistently and persistently.

[@davisj.miller1541]

That is exactly my point, you need the assistance of a professional in whatever investment you want to embark on. For me it is a lot safer that way.

[@davisj.miller1541]

Yes, just as I said, *CHRISTY VALLEN D'SOUZA* is the best stockbroker, investment portfolio manager and financial advisor I know. This is because I have tested her services firsthand. She has never failed me or anyone I recommended to her. She is very trustworthy.

[@davisj.miller1541]

look up her complete name on the web, confirm her details and get in touch with her.

[@natedogg8822]

Great

[@toddbarrera375]

I have Fidelity for my rollover IRA but like using M1 for my Roth IRA because when I deposit money it automatically invests the money using the percentages I set for my portfolio. We still use Fidelity for my wife's IRA but every payday I have to login and figure out how much money goes where and may buy orders. I know that Fidelity allows some automation but for a fee and I'd rather not pay that every month.

[@jamesnesmithjr]

I had a Schwab acct with a little cash sitting unused in it, and thanks to your vid, I added a bit more to it and invested into two of their index funds. Thanks for the insight and inspiration/motivation!

[@jenniferking6281]

You should go to Paris! Amazing city - I’m an American who speaks no French other than “bonjour” and did not find people rude at all, they were so nice ❤

[@sanef6826]

Hello Yang, can you make a video about Robinhood APY 4.9% account, they made some changes to it and i was wondering if it’s worth it. Plus a 3% match IRA.

[@srl0003]

I like VOO

[@humphrey]

me 2 voo and chill

[@MMMmyshawarma]

Have 70% VOO, 10% VUG, 20% VXF. Age late 30s. I plan on funding VMY in place of bonds in the coming years, VMY seemingly much more stable than what I have now, but not as glacial in price fluctuations as bonds.

[@carloantoniotubil2722]

How young is young and how old is old? Lol I'm 33. Is it too late? Or is it still a good idea?

[@loveisyors]

People in Paris are very kind, I felt very safe, Italy has very rude people.

[@appleztooranges]

**Starting at 36 years old with FXAIX S&P with $600. Going to do $500 per month next 20-30 years. Wish me luck

[@SarahAnderson302]

nice