The TWO Secrets to Financial Success in Retirement!

[@noahzimmerman-yg6qt]

Great video, Another factor to add is Do they spend a lot of time planning their financial future? The majority of people do not engage in planing for their future

[@marcellasilva4015]

Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 45% since Q2.

[@ralfbrown-kl1gp]

Thanks for replying, You seem to know much, How did you go about it and can you recommend an advisor like yours?

[@marcellasilva4015]

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

[@FennaVa]

I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.

[@tablameister]

Stephen Covey has a great 4 quadrant system in which you place items based on importance and urgency. Seeing a dentist is important but not urgent unless you are having an issue, in which case it changes to being urgent. He suggest taking care of important things before they become urgent, e.g., see the dentist before an issue arises, get an oil change and have a multi-point inspection done before an issue arises (and makes it urgent), etc.

[@MarathonMadman]

This could be your best video. The lessons in this video goes way beyond retirement and can be applied to all your direction/goals in life.

[@tomj528]

I couldn't agree more about everything. To begin with, I love my to-do lists as they enable me to get more stuff done even when I don't feel like doing anything. It's so easy to look at my weekly list and pick off the "low hanging fruit". I'm pretty good with follow through but definitely enjoy the planning more. I love to plan our taxes and even complete steps such as Roth conversions but filing the actual return is brutal, at least this year it was. It's funny just how effective examining exactly what you're after can be...personally, it saves me a lot of time, money and trouble. My favorite example of this comes from a financial news series during the great recession. One of the subjects was a retired executive that decided that he wanted to own a hardware store so he built a new building outside of his town and stocked it with everything you can think of, the nicest hardware store I've ever seen and then the recession hit and he was bankrupting himself trying to keep it going. After watching his story, it was clear that what he was really after (helping and interacting with customers) could have been had with nothing more than a part time job at any other hardware store but his ego wouldn't let him see that without being "the boss". Instead he was now mired in misery while his million dollar retirement was quickly being depleted to the point that there was no way out. Sad but a very good lesson to learn from.

[@speak2theresafox]

I don’t understand why you don’t have a million subscribers. Thank you for your advice.

[@2023Red]

San Antonio here! Yep on Austin. Your concepts are also called Strategic Planning. And you To Do list can be modified by using an old method created by a Planner series of tapes. One lists their 5 year goal and then 1 year milestones to achieve that goal. Each milestone has two markers. One marks the urgency and the other marks the importance. Then one writes that task against the calendar page for accomplishiment. One can also use software, I used Microsoft Project back in the day. The rule is that the higher priority items are done first thing and the rest can wait. I used letters with A being the highest priority and only one of those can be tagged against any one day. The next was B. C was routine and could be slipped to the next week. When slipping the dates, I would circle the original date as the key market. This helped map out the agenda for important and lesser tasks over the coming year. I seldom had A priorities, perhaps two or three a month. It worked. I am now 74 and have surplus medical benefits plus income to meet any future need. And I take 4 vacations a year. By the way, I was born poor coming from the Appalachian Mountains on a dirt farm. No silver spoon in my mouth ever.

[@nancydeford4693]

Thanks Geoff! Just found your channel. Hubs is 60, I am 56. Been married 3 years and we each have several small 401k's from multiple employers over the years and trying to figure it all out and plan for retirement. Thanks so much for all your great info!

[@HolySchmidt]

You are welcome Nancy. All the best!

[@jthev]

I made my decision of what to do and where to go 8 years before I retired. Now it's 10 years after retirement and I'm comfortable. I live in a paid-for home, indulge in my two favorite hobbies, and haven't had to withdraw any funds from my financial resources. I've achieved what I decided to aim for 18 years ago. Best of all, I'm happy.

[@terryB4713]

I agree with your information and have had to multiple times go over my retirement savings especially since I've had to change my plan from cont to work full time to part time because I'm my Mother's caregiver. That wasn't in my original plan. Family has always been my priority but pulling earlier than planned from a 403B plan to live causes one to re-examine. Life can throw you a lot of curves that wasn't in original plan. Assisted living is So expensive it doesn't make sense to put a loved one in unless they are not manageable. Thanks again for your points.

[@AlfaKenyBody]

1) Cash out severance package 2) Look for a small "finca" in Portugal (good healthcare, ok safety, modest cost of living) 3) Sell properties 4) Transfer assets 5) Evaluate renouncing citizenship (tax) 50 weeks to roll out this plan.

[@amyyates8273]

We are looking at Portugal too! Sis and brother in law are already retired there living the good life.

[@govinda102000]

I shoulda coulda. Portugal sounds much better than my small place I bought in southern Italy some years back. It was to be for my retirement in a few years at 63 but it's very corrupt. Restaurants and vegetables very inexpensive since there are many small farms there.

[@paulbernitt4280]

The constant assessment part comes with a lot of emotion for many with economy ups and downs. This can lead to decisions that may improve the short term but not the long term. Once i know what i want, my plan to get there remains the same. Studies proove that those who make constant adjistments to investments based on how the market does in the short term obtain far less in the longterm. Set plans and remain constant with effort based on historical data not on constant assessment.

[@Maricel_oronan]

Well that would be impossible to do considering I'm in my late 50s and I'm more interested in investments that could set me up for retirement in my 60s, my goal is at least $2million.

[@Jody8337]

I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.

[@Tonyforeman659]

@@Jody8337 Investing in stocks is a good idea, a good trading system would put you through many days of success.

[@osaka1866]

It is possible to produce superior performance provided you do something different from the majority. However most of us tend to pay more

[@SimonKelly7836]

@@osaka1866 Exactly, the trick is to diversify your investment, don't panic when everyone else is and invest consistently.

[@Maricel_oronan]

@Doukas Amal Hello Do you trade on your own?

[@wjb111]

The “To Do” list never ends

[@Ethernet480]

You hope not too

[@barbiec4312]

Save your money NOW folks. Thanks for your content.

[@richardc488]

Thank you Mr Schmidt

[@HolySchmidt]

My pleasure Richard.

[@chessdad182]

I'm just glad that I'm done with my taxes.

[@HolySchmidt]

Me too CD! Rough year!

[@DrSchor]

is the queens gambit declined really a bad idea? i could use the advice. thanks

[@stevebrinkert3649]

I'm one heck of a planner, follow through not so much. Love your videos. Thanks for all the help.

[@spankynater4242]

Quitting smoking is the easiest thing in the world to do, I’ve done it dozens of times.

[@Julies-in-a-mood]

I’ll add one of my criteria for when we eventually move: proximity of a decent airport. Both for our travel out & friends/family flying in for visits.

[@karenmarr7266]

I agree JD! I used to live 30 minutes from Newark airport, a true "international" hub. Then I moved to Raleigh and the RDU airport is really a regional hub, so traveling overseas is always an indirect flight!

[@kirstenlind-pedersen5184]

Thank so much Geoff. Brilliant and accessible. 👍

[@HolySchmidt]

Thanks Kirsten!

[@kevinfestner6126]

I have the most fun in implementation. I would add flexibility to the approach, albeit that was covered in step 3. Sometimes when you navigate rapids, you have to know when to paddle in the direction you need to go, or let the current take you in that direction.

[@HolySchmidt]

Well said Kevin!

[@kevinfestner6126]

@@HolySchmidt If I ever travel to NYC again, let's meet for lunch.

[@JoeGiz64]

Some of the best easy to understand financial planning advice. You should be at 1m subs by now!

[@HolySchmidt]

Thanks Joe. I’m working hard to get there!

[@Komainu959]

This channel is so full of it. Nobody quits at the...

[@WrightViewLLC]

Love your videos, Geoff!

[@HolySchmidt]

Thank you Glenn!

[@garym3345]

Funny that you mentioned that Ross Perot coined “people quit at the 1 yard line” since that’s exactly what he did in the presidential race.

[@HolySchmidt]

I hear you!

[@jcmoreutube]

Hello, thank you for all the work you put into your videos. They have been a tremendously helpful! As I enter retirement now, I want to consolidate the many IRAs and 401-K plans I have. I know the pros and cons of consolidation, but I don't know what the watchouts are and what the strategies to follow when moving investments.

[@pubmeatman]

I have found that retirement for me has had many twists and turns.

[@lcee6592]

GREAT information!! Thank you sir!

[@patclark2186]

My problem with the retirement to do list goes something like this... I have worked doing about the same thing for 12 hours a day 5-6 day a week for 45 years. I am now so institutionalized that I dont really have a life or memory of a life outside work. So my list looks something like... stop working ...sleep in...get a life...keep the grass cut. I suspect a lot of people are in the same

[@esthernoel3793]

Thank you Geoff!

[@HolySchmidt]

Hi Esther. You are welcome!

[@robertmartin9029]

This is a good video for more than retirement planning. As you mentioned, most of us are good at coming up with ideas and/or plans for things that we want to do but follow through tends to be where things break down. Often we don't realize when this happens, telling ourselves that "we'll get to that tomorrow" until enough time has passed that we stop even bothering to make the excuse any longer. Overcoming this tendency is obviously going to be very important for success.

[@HolySchmidt]

Great point Robert!

[@jdollar5852]

I have a daughter in college that is going through this as we speak. I'll do better next semester is her current mantra.

[@andrewforbes2577]

Such an outstanding and moral channel. Thank you.

[@HolySchmidt]

Thank you Andrew

[@sbluhrs106]

Yup, agree with being relentless in pursuing your goals. We are looking to move to a warmer clime now that I am retired. Due to Covid and the way the economy is right now, we are just taking our time at this and waiting. While we wait, I am researching up the wazoo....

[@squidward66]

5:41 LOL, that's where my plans usually stop, right at #1.

[@jimturpin]

I think you would really like Austin, you already have that laid back Austin appeal so you would fit right in.. Come on down, we will keep the light on for you!

[@HolySchmidt]

Thanks Jim, I love Austin! A lot of the Schmidt’s live there.

[@hjahansouz]

Dallas is good too.

[@cisco1dog]

The politics in Austin are very liberal and pro taxation and regulation. Rural Texas is much better for low taxes, low regulation and inexpensive land and homes. Too many California transplants in Austin, driving the cost of everything up.

[@jwil4905]

@@cisco1dog This, exactly.

[@MILGEO]

I've never heard of that 1 yard metaphor about Perot, but have often heard of someone learning to swim that tries to make it to a float 100 feet from shore but then gives up at about 90 feet from the float and turns around to swim all the way back to shore because they couldn't make it!

[@caroldolan1485]

…will my pet fit in? Definitely important!! Great video thank you!

[@rschumaker]

Another good one!

[@Dave_Lucas]

My wife doesn't like ANY of my retirement ideas. I'm calling Anthony Soprano.

[@mylifehows7047]

come on down to Austin, we'd love to have you here!

[@howardwylie1620]

Good stuff. Very well said.

[@pbickley1]

It would be great to have a video about getting a mortgage when retired. How to use investment assets as a way to be approved.

[@Telcomvic]

My husband and I are both retired and purchased a house in Tennessee in June of 2021. Although there was a lot more paperwork proving income than when we purchased our house in Ohio in 1976, it went pretty smoothly. Owning our home in Ohio w/o a mortgage was undoubtedly a factor. We had to provide our SS income statements as well as proof from our investment company of total assets and monthly disbursements. Since we could get all of that online--sending the proof was fairly straight forward, but time time consuming.

[@econdude3811]

Thank you, great advice

[@markkile8215]

Amarillo here! Austin is a great place ! My daughter is a CPA just like her dad and lives there, she is always wanting us to move there when I retire, which would be in the next 5 to 7 years! It’s a great climate and lots to do! However, housing prices have gone up since Elon moved there !

[@RobertA-jp8lh]

I live here…be careful. Your daughters view and a retirees view,me, are different. It’s a very busy place with many new problems and many nice advantages…

[@markkile8215]

Thanks Robert! I do love the climate in Austin, it’s much milder than what we have in Amarillo, plus I have a new grandson there !

[@vpeters2647]

Executing "the plan" is grueling, but it's what actually works.

[@HolySchmidt]

Hear hear V!

[@terryashley4674]

I'll watch once more.

[@goththicus]

Plan, plan, and plan - then execute.

[@naturescritter4691]

The thing that I have an issue understanding is medical insurance transitions. I’m in my 40’s and just trying to get my ducks in a row to understand what to expect.

[@joethecomputerguy1]

I was criticized early in my career saying I managed my personal life like a project - always with to do lists, one project to the next. Yep, I did. Not many understood how focused I was. I had a plan to retire early. Sure things changed along the way. I retired 5+ years ago at 52. Haven't looked back and love it!

[@wdeemarwdeemar8739]

I will be 52 in 4 months. I am very far along. But not ready yet. Congrats to you!

[@4040smokey]

Sweet. Where did you get the wisdom to think long term at such a young age? Parent, books, mentors etc...?

[@joethecomputerguy1]

@@4040smokey I think my Mom. She had so much financial smarts even without graduating HS. She also instilled in us to be the best you can be. She didn't care what we wanted to be, a janitor, just be the best. I think she can look down on me and say I did the best I could and that matters...

[@4040smokey]

@@joethecomputerguy1 Nice. It's critical to have such guidance at an early age. Those seeds need to be planted very early. So many people don't get that guidance.

[@crosslink1493]

Great point about the low-medium-high priorities of items on a 'to-do' list. I use an old style wall calendar and just put the high priority stuff on there. That means only a few essential things that have to be done go on the calendar, they are visible all the time, which makes it easy to remember them and to plan in advance to get them done (maybe even earlier than planned!). I've been doing it this way for decades. The 'medium' stuff sometimes goes on the calendar, too, but not as essential as the 'high' priority stuff.

[@amy2284]

I love this video and I agree with the comment below that plan the DO (execute) is the secret sauce not just for retirement planing but also for weight and health, achieving hobbies, achieving dreams. Actions are where the results lies so thank you for saying it a way that is so easy to understand.

[@PamelaAlston-x5j]

Thank you for this video. Have you published a book? What is it called? Is it available in Audible?

[@theacase8738]

Well said.

[@HolySchmidt]

Thank you Thea!

[@Bish8099-_-]

This is why investing is so crucial. You might not be able to invest as much as 50% but by investing you can be financially free way before your retirement age!

[@ibrahimmyles9186]

Everything changed the day i realized retirement is a number, not an age.

[@isabellahewitt8393]

A few years of hard work and discipline with savings/investing money can allow you to spend more time living the life you want on your own terms.

[@thomasford2991]

If your money is working for you, you want it working 1000 times harder so having it in a bank account right now doesn't make financial sense, I follow the trades of Valerie Aileen Boisvert She is a popular financial adviser/broker you might have heard of.

[@advitrudransh7659]

@@thomasford2991 Please how do i get in communication with her.

[@thomasford2991]

@@advitrudransh7659 View her up on the internet and leave her a message she's quite popular for her service she was recently featured on Bloomberg business news.

[@zoomzoom3950]

Save and invest. Live below my means. Moved to my retirement location several years ago. Buying my toys before I retire. Getting all the house maintenance/upgrades done before I retire. I plan to retire early, within the next 5 years. I plan to be able to live at much lower income tax bracket once I retire, until government coerced RMD begins. 😁

[@wheaties1435]

Can you do a vid on where are some of the best places for excellent health care please?

[@Pahoe77]

I've not had much, luck in the way of financial success whilst working, so I'm not looking for it when I retire🤨

[@louismeluso8633]

One of your better vids, Jeff. Thanks.

[@HolySchmidt]

Thanks Louis. This one is my personal map!

[@vuho2075]

Guys, there's also a 4th item - forget about what you WANT, and focus on what you CAN GET. What can you realistically do based on your resources. I want to travel the world. Uh, you better change that to 1 trip to Orlando a year. I want to enjoy the sunset from my house in Maui. You mean Mississippi, right? Folks, people telling me what they want is like saying - If I ever win the lottery, I'm going to buy... Start with merciless / brutal reality about what you can expect to get, then work from there. Delete "want" from your vocabulary...

[@spankynater4242]

No, there’s nothing wrong with setting your sites very high. Maybe it’ll encourage people to keep reaching for the stars, while keeping their feet on the ground.

[@DrSchor]

@@spankynater4242 holy casey kasem batman

[@spankynater4242]

@@DrSchor and here’s this weeks long distance dedication, I want money by the leaping lizards.

[@asdfjkl426]

I'm nearing retirement an hearing a lot of scary predictions about the dollar collapsing due to excessive government spending and deficits. This has been a topic as long as I can remember, but based upon my proximity to retirement and the rate of inflation and budget deficit I am concerned. What are you thoughts on this? Is there anything someone that is nearing retirement (over 60) should do?

[@vivekcse1]

Buy assets and stocks. Keep cash to the minimum.

[@asdfjkl426]

@@vivekcse1 Thanks

[@wdeemarwdeemar8739]

Get rid of all your debt, don’t bring a mortgage into retirement, know your expenses well, delay taking SS as late as you can just take it year by year up to 70. Stay in the market in low cost index funds. If you can max your 401k until you retire. Lastly, stay off social media.

[@glensmith491]

Depends on your current position. Focus on reducing your spending, especially cut BS out of your life. Look for a cheaper location (I lived in the DMV for years but after I retire I can live where I want). Focus your investing to paying off any debt.

[@jwil4905]

If you're worried about inflation and have cash on hand (or can liquidate risky assets), look into I Bonds.

[@beverlyweber4122]

Living abroad on less money in a place with solid healthcare at reasonable rates .

[@meatman6660]

1st year of 401k, 6% with 3% match. 2nd year 8% with 4% match, 3rd year 10%, 4th year 12%. Couch potato portfolio, with 75% S&P500 with 25% corporate bond. Ride the market for 30years and retire with $1MM, plus social security. Retire at 60.

[@andrewkinghoops8236]

Come on down to Texas! Dallas is better

[@HolySchmidt]

I like Dallas!

[@dalesphonedg]

I have a 401k and I opened up a Rollover IRA. My 401 has been dropping daily and it’s at its lowest in a years time. I have not yet Rolled it over. I was hoping to roll it over at a high point. What should I do at this point? Thank you!

[@HolySchmidt]

It’s probably best to speak to a qualified advisor about your individual situation and goals.

[@howellwong11]

I don't know what I did or didn't do, but I have a comfortable retirement for 22 years so far. I don't think that I made more than the low 50's in my lifetime. I just have simple taste and never follow the herd.

[@mathrocks7591]

Hello great video. Is it possible to have a copy of your excel file. I would appreciate a lot

[@stevenmedlock5551]

Don't put your money in a safe that's the 1st place that these will look buried in your backyard stick it under your mattress Make it hard for them define your money

[@HolySchmidt]

All options are important to consider!

[@cindyvitale9515]

Thanks for the excellent video. It is so true. We have recently retired and are moving from NY to Florida. It’s not as easy as it sounds - especially with the crazy Florida real estate market. And we have many considerations. But with proper planning, it is happening. Oh yes, and persistence. I can’t tell you how many hours I’ve spent at my desk on Friday afternoons plotting my early out. Lol, running East looking for sunsets!

[@Mexicobeanpole]

True. I’ve lived in Florida for most of my life. I’m 60 now. The real estate market is nuts. Most of our wealth has been from selling our homes (4 of them in florida), cashing out and moving to less populated and therefore less expensive areas of the state. Now, we’re staying put, because there’s no where “less expensive” to go. Lol. At least in Florida and relatively close to the beach.

[@kellyyork3898]

Two secrets to financial success: Don’t buy a ton of shoes ( you only need two orthopedic shoes...one for everyday and one for dress ); and stop spending money on your grandkids. ; )

[@DrSchor]

hello kelly. what do you recommend for those of us who are really into shoes? thanks for your advice, my friend

[@landeeld9596]

Go Longhorns!

[@bargainbarge9968]

Is taking Medicare and a pension at 65 from work for a year and a half in order to retire at full retirement age?

[@bargainbarge9968]

Is it a good idea?

[@DrSchor]

@@bargainbarge9968 yes

[@albertdowrn]

Geoff, as you were describing following through I thought of "honey do" lists and why contractors get called in the first place. Then from the opposite side, contractors and how they frequently leave the little things unfinished "punch list". Another great video.

[@HolySchmidt]

Thanks Albert!

[@HolySchmidt]

Thanks Albert!

[@jasonbroom7147]

Not a bad video. You mention quite a few key behavioral things to consider, but once again you fail to mention the KEY thing people need to have financial success in retirement. It's called a budget. It's not fun or interesting or click-baity...but it's the main thing that differentiates those who win at money from those who lose, and you consistently neglect to even give lip-service to budgeting. Why is that?

[@HolySchmidt]

That would fall under category number 1 :).

[@jwil4905]

Nobody smart wants to move to Austin.

[@69RTR]

Thanks. Can you do a video of actually writing this plan out? How to write it and then Track progress?

[@michaelswami]

Gig em aggies.

[@robreeves4059]

I'm going to post this comment here and hopefully Geoff will read it. I love his videos and thoughtful insight; however, I have often wished he would share more retirement planning strategies and considerations related to the issue of expatriation. I think this topic is a growing interest to many. I realize there’s a number of creators devoted to expatriation; however, I think Geoff could bring a different insight into this topic. For instance, rather than just tout the beauty or relaxed lifestyle a particular country might offer, perhaps he could focus more on the tax considerations and benefits a particular country might afford a US citizen. I may be wrong here but I imagine that Geoff has dealt with numerous clients that have strategized the issue of expatriation from a financial standpoint and it would be interesting to learn from what they have discovered. In the end, I hope to continue to enjoy Geoff’s thoughtful content as I continue my own slide down the “retirement razorblade”.

[@spankynater4242]

I’m guessing you’ll have to go elsewhere for that. Since he hasn’t done it himself, I’m guessing he does not view himself as an expert in that area.

[@jeffphillips7400]

Don't run EAST for a sunset, it sets in the WEST.... first mistake !!

[@HolySchmidt]

I think you are agreeing with me!

[@Erikkurilla01]

Thanks to the retirement investment program from *STEPHANIE KOPP MEEKS* ROI group, I can enjoy my golden years without worrying about money. They have a flexible and transparent approach that suits my needs and goals.

[@Lemariecooper]

Wow! this is truly fascinating to hear, please how do I meet this company's portfolio manager?

[@Erikkurilla01]

Just do a web lookup using her full name *STEPHANIE KOPP MEEKS* and connect to her official webpage.

[@jessicasquire]

I just looked up this person out of curiosity and I'm super impressed with her qualifications. Also I was able to contact her through her webpage.

[@Erikkurilla01]

*STEPHANIE KOPP MEEKS* showed me great skills and knowledge about the market since I started trading with her company. I enjoy full profits and easy withdrawal with no complaints, trade with the best I say

[@Lemariecooper]

I really have to thank you for sharing something this vital to the masses

[@pensacola321]

Yogi Berra once said..." I don't know where we are going, but we are making great time." You need to know where you are going to get there...

[@susanh326]

Sir, how much money are YOU making in retirement? Have you retired? I want info about what YOU have done to give all this advice. Not rhetorical. Actual.

[@gigismalley]

Sounds like you want to move to Texas. Come on y'all. We're real friendly and have everything on your wishlist and more!

[@HolySchmidt]

I love Austin! The Schmidt’s have a big presence there!!!

[@pensacola321]

Schmidt seems way to smart to be a Texan. .

[@georgettegreg1795]

Need to share this with my fellow retired women.. Despite the economic downturn,I'm so happy☺️. I have been earning $ 60,000 returns from my $7,000 investment every 13days..All thanks to Mrs Kimberly Wyatt

[@richardstevens7479]

This must be an investment with Mrs Kimberly Wyatt

[@DaNeceTaitFickett]

Wow I'm just shocked you mentioned expert Mrs Kimberly thought I'm the only one trading with her

[@collins4530]

She helped me recover what I lost trying to trade myself

[@mikeposey718]

She has really made a good name for herself

[@jdollar5852]

Are there idiots out there that fall for this garbage? Do people buy car warranties over the phone? Has my SS number been disabled? Scammers should be neutered.

[@spankynater4242]

If you want to live in Austin, one important thing you need to add to your list is you need to have a heavy marijuana addiction.

[@kevinscott168]

I guss this guy thinks hes being usful , and he means well. But cant think that anybody in the UK would not be aware of this. The English on the whole like Americans but we are sad about how you have such little knowledge of life. Bless you all from across the pound

[@shawna620]

Good points -- thank you!

[@HolySchmidt]

Thank you Shawna!