This is Why ALL Investors Will Retire Broke

In this video, we'll go through different investment fees to show you how much they cost you over long periods of time. Not knowing this could cost you hundreds of thousands of dollars in retirement or force you to have to work longer than you have to.
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Investment fees work differently depending on the type of fee and the investment vehicle involved. However, in general, investment fees are deducted from the investment returns and reduce the overall return that an investor receives.
For example, if an investment has a 1% management fee and earns a 7% return, the investor will only receive a net return of 6%, as 1% is deducted as a fee by the investment manager. Similarly, if a mutual fund has an expense ratio of 0.5% and earns a 10% return, the net return for the investor will be 9.5% after the expense ratio is deducted.
Some fees, such as front-end loads or commissions, are deducted from the initial investment amount. For example, if an investor buys a mutual fund with a 5% front-end load and invests $10,000, $500 will be deducted upfront as a fee, and only $9,500 will be invested in the fund.
It's essential to carefully review the fees associated with an investment before investing to ensure that the fees are reasonable and not excessive, as high fees can significantly impact investment returns over the long term. Investors should also compare fees between different investment options to find the most cost-effective option.
The most common fee associated with actively managed funds is the management fee, which is usually the largest fee and is calculated as a percentage of the assets under management. Management fees for actively managed funds can range from 0.5% to 2% or more, depending on the investment strategy and the investment manager's experience.
The management fee for an index fund is typically a small percentage of the assets under management and can range from 0.05% to 0.50% or more, depending on the size of the fund and the investment manager's experience. Some index funds also charge a performance fee if the fund outperforms its benchmark, but these fees are less common than in actively managed funds
The management fee for robo advisors is usually a percentage of the assets under management and can range from 0.15% to 0.50% or more, depending on the platform and the investment strategy. Some advisors also charge a flat fee instead of a percentage-based management fee
The fees charged by financial advisors can vary widely depending on their experience and the level of service provided. In general, fee-only advisors charge a percentage of assets under management, which can range from 0.5% to 2% per year. Commission-based advisors earn a commission on the financial products they sell, which can range from 1% to 10% or more, depending on the product.
Paying too much in investment fees can have a significant impact on investment returns over the long term. Even small differences in fees can have a significant impact on investment returns over time, especially when compounded over several years or decades.
For example, suppose an investor invests $100,000 in a mutual fund with a 1% expense ratio and earns an average annual return of 7% over 30 years. In that case, the investor would have a final balance of approximately $574,000. However, if the investor had invested in a similar fund with a 0.25% expense ratio, the final balance would have been approximately $737,000, assuming the same 7% annual return. The difference in final balance is almost $163,000 (28%) more in returns due to the lower fees.
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Disclaimer: This video is for entertainment purposes only. Everyone's situation is different so do your own research before making any decisions with your money.

[@crusader0657]

Yup. This is why I stopped using my advisor. When I did my assessment last year, it turned out that they severely underperformed a S&P index fund, but also that I paid them tens of thousands of dollars to underperform. Such a waste... Edit: Found my spreadsheet where I calculated it. They underperformed VTI by 23%, and I paid them $10k to do so. Overall I was down over $40k than if I had never used a financial advisor.

[@JarradMorrow]

So happy you got out of that terrible situation

[@UpRiverRafting]

How did you calculated it? I thought all funds had to have ticker symbols and that I could use the ticker symbols to compare to something like VTI. I called and asked - got nowhere. Help. Thanks

[@ctrent859]

One of the best videos you have put out. Thank you for sharing this information.

[@JarradMorrow]

I appreciate that! Hoping it reaches enough people to help

[@ErinHoskins]

Very helpful, thank you for doing the math for the various timelines, very eye opening, and a bit soul crushing. I was already in the process of getting out of an actively managed target date fund in an old rollover Ira, but this lights a fire to get it done!

[@JarradMorrow]

Glad it was helpful!

[@damionbennett6563]

This is amazing

[@markroth5129]

Thank you for advice I’m looking for, sharing and new follower

[@joseluissolis1305]

Thank you! New follower here🙌

[@JarradMorrow]

Awesome! Thank you!

[@TheBeagle1956]

Thank you! I’ve been trying to explain this to some family members for years. I’ll definitely be sharing your video!

[@JarradMorrow]

Happy to hear you liked it! Hope it helps your family members save some money!

[@chetanjilhewar1669]

I tried to explain this to my old coworker of mine that left her 401k instead of rollover to a Ira. Also, I wonder Jarrad Morrow can make a video about the fees in 401k plans too? I don’t know this video apply has well.

[@JarradMorrow]

This video would apply when it came to fees. I actually made a video a year ago on fees within a 401k which you can check out here: kzbin.info/www/bejne/iqLRdYydhJicgqc

[@chetanjilhewar1669]

@@JarradMorrow thank you

[@SuntaX10]

Jarred, I wanna thank you from the bottom of my heart. You inspired me & my GF to invest! Thank you again!!!

[@JarradMorrow]

That is awesome! Happy to hear you both are getting started. Keep up the good work 👍🏻

[@mannycarrasquillo6910]

Saint Jack!

[@abelruiz3004]

Thanks!

[@JarradMorrow]

Thanks for that tip! You’re too kind!

[@OnCashFlow]

Friends don't let friends pay for assets under management!!!

[@Wololoo88]

Great video +1 like

[@JarradMorrow]

Big thanks

[@davidschelkens9481]

Preach!

[@JarradMorrow]

👍🏻

[@ivanvarykino8202]

I'm thankful to have read an article in the Wall-street journal 20+ years ago. This was before the big push for low fee funds. It was painful to do but I went through all my and my wife's crazy number of 35 separate funds and found some were charging as high as 2.3%. Can you imagine that?! I consolidated our individual Roth IRA's, 401k, and 403b down to about 12 low cost mostly index funds. I knew nothing about finance or investing but was simply laser focused on the fees. Still seems we should have more. But I'm convinced the couple million we do have, would have been half this amount had I just left it alone.

[@catzee4720]

Boom. Exactly!! This is so accurate because I experienced it. They took a percent in the surging market where they had me in all high risk tech stock, overweighted and then take it again during down market and really they don't care about your money, they care about your fees. I lost so much and had to take the reigns into my own hands and once I started learning on my own, I got even angrier, if that's a word, because I was learning and these advisors didn't even know investing 101 that I learned and I thought, I can't believe they didn't apply this. Nobody can take care of your life savings and investments better than you can. I am still trying to fix my portofolio little by little to adjust to our risk tolerance, something else they don't listen to, High risk means high reward mostly for the advisor. They are a scam. Thank you for bringing this to light!!! So important

[@delbomb3131]

Those fees is a huge reason some lawmakers are pushing so hard to privatize social security.

[@deniskimani2796]

Man. You made my day. I had MDIZX, SCUIX, and HATIAX at work.Wow😮.My total expense ratio was like 1.2. Thanks for that link for personal capital. Went swapped them for FTIHAX, FSSNX and FXAIX. Financial literacy is important. Been binging on content on this stuff

[@Dagzfromearth]

I'll admit mine are all under .08 except for one, i have XSD, which is .35. that's my risky play, but it's a 4% weight in my portfolio, so i'm ok with it. I still have SPLG and SCHD as the base of my holdings. I also do have a few single stocks, but none are more than 1%. Great video, lays it out perfectly. I'll have to share it to some people i work with.

[@JarradMorrow]

Thanks!

[@queensdawg]

Great content. Where did you get the “reduction in future value” information from?

[@matthewbegin3462]

My wife has a high fee 457b account with Nationwide through Her workplace. I looked into this and told her to move the funds , the account manager advised she could not move the funds until she retired or left the job. We stopped adding to this account, glad my employer has a low cost retirement plan.

[@geoffgordon9569]

I hated my 401(k) options at one of my jobs. Was only offered American Funds with a 4.75 expense fee. That included a money market account. I chose to invest in company stock. Company match was also in company stock. Luckily bigger competitor bought my employer. Received 8x price of stock. Left ASAP for another job.

[@JarradMorrow]

4.75%?!?! Wow

[@Sylvan_dB]

I saw something a month or two ago that the average fee for actively managed funds dropped in 2022. It dropped from just under 2% to about 1.5%.

[@tvlookplay]

Great video. Wish I saw this when I started investing on all these mutual funds 2 years ago. now I'm just wondering if I should wait for the market to go up to get my money back or just sell.

[@GaHeezyy]

Got an acorns ad 😂

[@JarradMorrow]

Are you serious?! 😂😂😂😂

[@benhazard6643]

Thankfully, the S&P 500 index fund equivalent my job’s retirement plan offers has an expense ratio of .02%. I handle my plan myself and I’m 100% in that index fund. I convinced others at my job to do the same and saved them a lot of money!

[@JarradMorrow]

Nice job!

[@dmsoundcollective6746]

Thanks for this reminder about the fees I'm a hundred percent index funds in my 401k and Roth I'm doing a major catch up right now I started my investing at age 55 do I have to do some ass-kicking on my savings

[@jae-annedanae4512]

I’m really just here to support Molly

[@JarradMorrow]

I'm here for the same reason so I don't blame ya 😂. Thanks again 👍🏻

[@DanDoormouse]

Thoughts on Personal Capital /Empower advisory? I see you advertise for them, curious about your thoughts on their price structure.

[@JarradMorrow]

If they're charging a high % based fee like I mentioned in this video then I wouldn't use them. I promote their free tools, not their advisory services.

[@DanDoormouse]

@@JarradMorrow .89% / free the first 6 months. I’m about to start getting charged. I did the math at sign up, over 20 years I’ll likely pay high 5 figure/low 6 figure. I thought that was a fair amount for services rendered. So far, service has been personable and the same real person answers my phone calls & emails. I definitely used the free tools, then was repeatedly marketed to based on net worth. I guess I consider it a cost of easy sleep. Thanks for this video - plenty to ponder.

[@AMP1219]

Hi Jared, love your videos, and Molly’s cameos. Because of you I’m now investing in index funds on a regular basis via Fidelity platform. However for my SIMPLE IRA account, I don’t think I can move it from the brokerage that administers my company plan… so am I stuck with them? I haven’t asked the broker because she happens to be one of my close friends. Awkward. Hence I’m asking you instead :)

[@Sylvan_dB]

Don't forget while you are retired... If 4% is a safe withdrawal rate as calculated by Bengen using indices, and you are paying 1% in fees, then you only get to spend 3%. edit: Just to bring it home: That 1% fee is actually 25% of your income. Every year.

[@mvg821]

Not to mention that active funds typically have a higher turnover rate so if these active funds are in a taxable account then your tax bill might be higher.

[@JarradMorrow]

Great point

[@paragonknight3307]

How does that work?

[@UpRiverRafting]

@@paragonknight3307 Because they are actively managed funds, they are constantly buying and selling inside the fund. This constantly creates short-term gains and losses. They have to buy and hold for at least 1 year to be a long-term gain. There are tax advantages for long-term gains. In years when the market is up, you have to pay taxes on the short-term gains that year, and in years when the market is down, there is no tax advantage to losing. The losses don't offset the gains. And they make you feel like an idiot for bringing up the tax consequences that they are causing.

[@lindseym6534]

Jarrad, I'm not sure that it's related but how do you feel about tax loss harvesting? My financial coach is suggesting it but I really don't know. Thanks

[@JarradMorrow]

It’s fine if you’re trying to get out of a losing position you no longer want to hold and it makes sense based on your personal tax situation. I personally never do it or have to worry about it since I only buy index funds/index ETFs that I’m holding for the next 60 years.

[@mckinleyp13]

What are your thoughts on a robo advisor, like wealthfront, who can recoup some of that .25% through tax loss harvesting?

[@JarradMorrow]

As long as it makes sense financially then I don’t have an issue with that. Doesn’t really make sense for a buy and hold investor like myself since I never sell anything. There’s never any tax loss harvesting that needs done.

[@aaront936]

The tsp raised its fees last year making their index funds less competitive then the major 3 brokers.

[@JarradMorrow]

How much are they charging now?

[@brendadaviswilson9243]

Total expense ratio (Net admin + Investment) 0.059% ​@@JarradMorrow

[@brendadaviswilson9243]

I recently separated from the government I put my tsp in an Ira rollover All low expense ETFs I’m so glad I found you

[@tramiamarie]

I currently have an RSP with TD bank. Upon withdrawl the fee is 20% and the mutual fund is down right now. If i transfer these funds to wealthsimple vs withdrawl will i still get charged this fee? And is it worth it to take the loss now or should i wait until the market is up to transfer? Thanks🙏

[@bones6554]

How about Robinhood's fee's? Also what do you think about Edward Jones etc.?

[@JarradMorrow]

What fees does Robinhood charge? I haven’t seen any. Edward Jones = the worst

[@enriquepena581]

I have been investing with Acorns for 2 years and so far I have 4K saved while paying a flat fee of 3$/month. Would you still advise against using Acorns if you contribute regularly and have thousands of dollars saved and counting?

[@kikizozu]

Could you please let me know what you think of Vanguard VHCOX and VWNAX? Thank you.

[@JarradMorrow]

You'll never hear me say a good thing about any actively managed fund

[@kikizozu]

@@JarradMorrow I did not know it was actively traded I don’t know much about Vanguard my husband all of a sudden develop dementia over medication so I took over quickly. Can you expand on what you said

[@kyjoe3403]

I recently dumped Fisher. Over the past 3 1/2 years their fees equaled what little I was up, all while underperforming the S&P. Their benchmark is the MSCI, how convenient.

[@juliekswanson]

Jared wondering if you have any thoughts on Schwab? It’s a publicly-owned company so is it a bad idea to invest in ETFs there?

[@JarradMorrow]

No issue with investing within a Schwab account

[@arentibbs799]

Did you pull a video today? I thought I saw a video by you in my queue, but when I refreshed it was gone. What did you say that got your video banned by KZbin?

[@JarradMorrow]

I didn’t pull any videos down today so I’m not sure what you’re referring to. I was testing different thumbnail variations earlier, but that’s about it

[@lhetrick1]

This sounds bad and I hate to ask: Where and how do I buy indexed based funds?

[@MechE11B]

State Government charges .1065 in fees to invest in their version of the Vanguard VTI style index fund (Roth 457). Wouldn't it still make sense to eat the higher fee and keeping it in a Roth than it would taking the money I would have invested there and instead putting into a taxable brokerage account? I imagine Uncle Sam's fee (tax) would work out to be higher?

[@harrychufan]

Most likely, especially given you will eventually be able to roll it into a Roth IRA (I’m not sure about 457 rollover rules)

[@onehunidsavages2036]

Thanks for making this video man! I’m going to pull out of Titan investing app and my Ark funds. And I don’t think I will be looking into those expensive VC funds since they’re up to 5% in fees… 😬

[@JarradMorrow]

No problem! Yea that Titan company reached out last year trying to work with me. Told them there’s no way I’d push their actively managed high fee trash to my viewers. Yea stay away from those VC funds that claim they’re giving access to the “average investor”. Those things are money pits.

[@shaereub4450]

Betterment charges 0.25% for investors with +$20K. This year, they added a $4/month for accounts under $20K. 0.25%/year after the $20K mark ($20K total between checking, savings, & investments).

[@JarradMorrow]

Thanks for the additional info. Didn’t know they added the $4/month charge

[@shaereub4450]

​​@@JarradMorrow for accounts under $20K, which is under the normal 0.25% ($4/month is 0.25%/year of 19,200. So a person is better off staying under $19,200 and then jumping from $19,200 to $20K deposited).

[@tarpontime7562]

What would be an actively managed fund?

[@JarradMorrow]

Anything by Ark Invest. I hate those funds with a passion

[@TheMillennialMint]

I have an Acorns account. Guess who won’t have an Acorns account soon?

[@JarradMorrow]

Kick them to the curb!

[@markcannon8522]

Should i stop contributing to my job 401k and juts investment it myself into the 3 fund M1 account ?

[@cesarcharolet]

I use Acorns but because i have over 20k in it and am constantly adding. Would it make sense for me to stay since that $36 per year is a lot less of a percentage for me (0.18%) and will be smaller as I add more?

[@JarradMorrow]

In my opinion, I don’t think it makes sense to use Acorns until you have around $85k in the account. At that amount you’re finally paying .04% in annual fees

[@cesarcharolet]

@@JarradMorrowOh! Ok, cool! Thanks for the info!!

[@OscarCastillo-fl9dw]

So you telling me if I have 30,000 on my acorn investment and 13,000 on my Roth with acorn is actually not worth it 😩

[@OscarCastillo-fl9dw]

If you have lots of money on acorn 100,000 is it worth it I know that if is 650 dollars is big fee but what about big accounts or is it better transfer my money to my Robinhood account

[@RelatablewithMaylee]

I don’t use any financial advisor. For a regular person, why should we invest if we’re just gonna lose half of our investment? (You get what I’m saying)

[@JarradMorrow]

I get what you’re saying. They (fee only advisors) can definitely add value when it comes to double checking your withdrawal strategy once you’re about to retire, but other than that most people don’t need one during the accumulation phase of investing.

[@jacobside2656]

Well now you tell me how stash is robbing me.

[@JarradMorrow]

Sorry I took so long to warn you! The good news is that you can move your money to another company before too much damage is done. And of course make sure to spread the word so people know to avoid them.

[@alex182618]

Dave R. won’t be happy with this video

[@JarradMorrow]

😂 Add him to the long list of other people who won't be happy about this video...financial advisors, actively managed funds, different investing apps, etc.

[@wardwalker30]

His advice helped me get out of debt, so I appreciate that. His investment advice misses the impact of all the fees, probably because he is compensated through his ELPs (sp?). I have been with a fee-laden advisor for years, and my investments just never went exponential like the graphs show…the fund performance had more than their share of misses, and all the while my “return” was getting lunched on over and over again. I’m moving away from them now, even though the market is “down” and it will cost me tens of thousands in immediate worth…because I’ll not see progress if I keep feeding all these other mouths.

[@AshknFX]

"They dont worth for us they work with us" 💀

[@IanJames56]

This is why Jack Bogle refers to “Advisors” as Sharks, they dine on other peoples money!

[@grigorirasputin425]

That is why Dave Ramsey is "doing better than he deserves"

[@tventura14]

Man, that should be definitely taught in schools…

[@AshknFX]

Is a 25$ fixed monthly fee ok for a broker ? Regardless of how much u invest

[@JarradMorrow]

Edited: Not unless you have less than $330k invested with them. At that flat monthly fee this is how much you're actually paying based on a %: -If you have $10k invested you're paying a 3% fee -If you have $20k invested you're paying a 1.5% fee -If you have $30k invested you're paying 1% -If you have $40k invested you're paying .75% You don’t even hit a .09% yearly fee until you have $330k invested.

[@AshknFX]

@@JarradMorrow thank u

[@JarradMorrow]

I made an update to my original numbers. This fee is terrible unless they’re doing additional work for you (like a robo advisor) and the fees end up coming out to something comparable

[@AshknFX]

@Jarrad Morrow it's a trading fee but i limit my contributions to 1 per month. The thing is i live outside the US so my bank has a service with Pershing LLC (of mellon bank) so transferring money is much easier but it comes with currency exchange rate fee and the 25$ per trade. Currently I'm investing a big amount of my salary but yea i can see that being terrible if i cut the contributions in half or so. The % is much worse

[@AshknFX]

@@JarradMorrow but also it made me change my plan because i didn't want to invest in multiple etfs per month. Because I'm investing in a few sectors etfs. So each etf is like 3-4 month contribution instead of monthly

[@trukhangtat4430]

Will dividend yield cover the expense ratio??

[@JarradMorrow]

The expense ratio cuts into returns no matter where it comes from.

[@trukhangtat4430]

Thank you

[@ishapurandare5685]

Are those actual stacks of cash?! 😂

[@JarradMorrow]

No, they're just fake prop money 😂

[@alex182618]

@@JarradMorrow Yes, and right after the recording he mailed one of these stacks to his financial advisors.

[@JarradMorrow]

😂

[@maemo8]

I’ve binged your videos since yesterday. I’m just a girl that makes a lot of $ and is so confused with all of this, but your videos have helped. I don’t get a 401K through my job. I’m 27 and I’m a blue collar worker. When I retire I’ll get a pension and some money from an annuity (😑), but I don’t want to leave bc it’s such an easy job and I make 200K a yr. Because I don’t get a 401K, I always make sure to MAX OUT my Roth IRA (solely VTSAX). And then all I have is a brokerage account (also just VTSAX). Is that alright? I pump so much money into the taxable account bc roth has a limit. I see that everyone else has 401K, HSA’s, Roth IRA, Brokerage. And I get worried because I can only put money into two accounts and here I am dreaming of retiring at 50😅 Anyways love your videos.

[@geoffgordon9569]

Make sure those taxable accounts are in index funds. You already pay enough in taxes.

[@MBMONEYS]

You must be a linewoman!

[@bigtime911]

This is what I did bought a modest house, piece of raw land, emergency fund, Roth max, than traditional, variety of index funds vanguard, have money in cds that is fdc insured rates are 5%, have and envelope with stash money. I worked thirty years was a low income earner, with everything my house triple in value, land was a hedge, 401k Roth and traditional ok grew, cds cash were safe and grew, stash money for fund, just remember take of your health and enjoy life. Tomorrow is not promised

[@maemo8]

@@geoffgordon9569 Yeah, in my taxable account I only invest in VTSAX. Which kinda worries me bc I also invest in VTSAX for my Roth IRA. Idk why I did that, I didn’t know much when I opened them. But tbh I’ve been putting in the work and so I’m going to diversify that Roth with some international exposure and maybe throw something else in there like an etf. But I do love the idea of an easy two fund portfolio.

[@danielczarnowski433]

There are issues with investing in a Roth IRA if you make over 135k adjusted or so. If you've looked into them then that's great but if not you should look when you get time!

[@rebeccabrown8179]

If I have a high fee 401(k) through my employer, and I don't have any other options with my company account, what do you recommend? I know I can rolllover a 401(k) if I switch jobs but I don't know if I can do that if I'm still employed.

[@JarradMorrow]

Might be worth it to talk to someone in your HR/benefits department to ask them if there’s any way they can add some lower fee index funds to your 401k. Sometimes employers don’t realize how much these high fee funds are costing their employees. If you lay it out like I did in this video (or show them the video) then they’ll understand. I’m more than happy to send you the graphs from this video if that helps you make your case. Send me an email to the email address in the description of this video and I’ll send you any screenshots you need

[@MBMONEYS]

What is your opinion of FNGU?

[@JarradMorrow]

Trash. Broad based index funds or index based ETFs only.

[@mikerzisu9508]

This is why you just invest in the fidelity s&p 500 fund. Extremely low fees, proven track record.

[@JarradMorrow]

Any S&P 500 fund will work. I prefer VOO.

[@mikerzisu9508]

@@JarradMorrow That is a great fund too. As far as I can tell, fidelity's FXAIX fund is exactly the same as VOO in terms of stocks invested and returns.

[@JarradMorrow]

Not exactly the same, but close enough to where I wouldn't knock someone for holding one over the other.

[@mikerzisu9508]

@Jarrad Morrow what are the differences? Same holdings, pretty much same returns, and FXAIX has a slightly lower expense ratio

[@IanJames56]

This should be taught in elementary school, say grade 6-8, by law if necessary. Finance isn’t even a required course for most undergrad degrees, shame! Great video Jarrad 👏🏼

[@JarradMorrow]

No way 8th graders would care about this. It would need taught to people when they join the work force/towards the end of college.

[@vincentortega4284]

​@@JarradMorrow when the young adults realize they need to know basic financial skills in life.

[@rickybobby9885]

It doesnt matter if its taught. The info is widely available. Nobody should have to tell you to look out for yourself. Do your research

[@GretschDrummer01]

What do you suggest if your company 401k only offers managed funds? Each fund expense ratio 1-2%

[@JarradMorrow]

Great question. This issue is very common so here’s the response I gave to someone else in the comments: Might be worth it to talk to someone in your HR/benefits department to ask them if there’s any way they can add some lower fee index funds to your 401k. Sometimes employers don’t realize how much these high fee funds are costing their employees. If you lay it out like I did in this video (or show them the video) then hopefully they’ll understand why they need to get lower fees added to the plan. I’m more than happy to send you the graphs from this video if that helps you make your case. Send me an email to the email address in the description of this video and I’ll send you any screenshots you need

[@Orvis25]

Is there no way to just tell your employer/company to opt you into a personally picked ETF (like spy) over forced to take a managed account? (I don't have a 401k, only a Roth IRA)

[@mary-elizabeth]

My husband is having to do a rollover from his current 401k provider to a new vendor, and the fees are just terrible. We can purchase ETF, but they charge $26 per share of say IVV. I guess in the long run it's better than a managed fund with 1% fee not counting their in house fees. It's terrible.

[@binbalebardac4156]

Won't anyone think of the pooooor Financial Advisors?! Trophy spouses, boats and vacation home are not cheap in this inflationary economy, lol.

[@JarradMorrow]

😂

[@osielrodriguez7572]

First!

[@JarradMorrow]

Nice job!

[@valerieewing4023]

Fourth

[@JarradMorrow]

😂 okay, okay you win as well!

[@valerieewing4023]

@@JarradMorrow just helping with engagement 💪🏻

[@JarradMorrow]

You're the best. Thank you!

[@valerieewing4023]

@@JarradMorrow you're welcome. Hopefully the percentage of a penny will go towards a treat for Molly.

[@TheBeagle1956]

Thanks!

[@JarradMorrow]

Wow! Thank you so much! That was extremely nice of you 👍🏻