00:02 Catherine Toone: Hi. This is Catherine Toone.

00:06 Gina Wells: Hi. This is Gina Wells. We’re coming to you from Fenton, Michigan Advanced Capital Group. And you see a chart behind us. We’re gonna talk a little bit about the work it is we do helping you find the money you need to save for things that you wanna buy today and tomorrow. So, let’s start a little bit with lifestyle because this is the big thing. Right, Cath? Would you wanna reduce your lifestyle to save more money?

00:30 CT: No, I don’t think anybody does. I mean and there’s a big difference between reducing your lifestyle with maybe a Starbucks here and they’re gone. But the type of lifestyle that we’re talking about in order to make sure that we have enough retirement income for a lifetime, that type of reduction is not easy to do.

00:50 GW: That’s for sure. And we’re on Facebook together. And I love to watch cats, boys, and their birthdays, and all the fun things that they’ve done with their family. And that’s the number one reason why we want to save money, or do things in our lifestyle. The car that we drive, the homes we live in, the schools we send our kids to. The fun things that we wanna do with our money. Walt Disney World, whatever it may be.

01:13 CT: Yeah, I mean all that stuff is the stuff that makes memories, too. That’s just stuff that makes life worth living. And to have to give that up is not an easy thing to get your head around.

01:25 GW: Right. So, we also wanna talk to you about the fact that most people have at least for every dollar coming through their hands, 25 cents of it going out in debt. 40 cents of it going out in taxes. And sometimes if they can squeeze 10% out, we have to wonder where it’s going. In a taxable bucket, a tax deferred, or a tax free. And we’re gonna talk about that in our next segment, but we wanted to introduce ourselves and just let you know that we start with cash flow. Where your money’s going, what you wanna do with it in the future, and how to make it work for you.