1 00:00:00,240 --> 00:00:03,480 Speaker 1: Sharing with you the best goal setting insights from Diary 2 00:00:03,560 --> 00:00:07,320 Speaker 1: of a CEO as he interviews Chris Williamson, of course, 3 00:00:07,440 --> 00:00:27,520 Speaker 1: shared through a financial lens for your financial benefit and success. Hello, 4 00:00:27,640 --> 00:00:31,280 Speaker 1: and welcome back to Sugar Mama's Fireplay. I am Canna Campbell. 5 00:00:31,320 --> 00:00:34,000 Speaker 1: I'm a financial planner, I'm an investor, I'm a mother 6 00:00:34,040 --> 00:00:37,720 Speaker 1: of three, and I'm someone who genuinely believes that good goals. 7 00:00:37,800 --> 00:00:42,040 Speaker 1: Great goals create a really important sense of calmness and tranquility, 8 00:00:42,120 --> 00:00:46,040 Speaker 1: but also clarity and freedom. And I say this with 9 00:00:46,120 --> 00:00:49,040 Speaker 1: my hand on my heart because I wholeheartedly believe that 10 00:00:49,080 --> 00:00:51,840 Speaker 1: there is no way I would be where I am 11 00:00:51,880 --> 00:00:56,800 Speaker 1: today financially, emotionally, and physically if it wasn't for the 12 00:00:56,840 --> 00:01:00,640 Speaker 1: goals that I set for myself at the beginning of 13 00:01:00,800 --> 00:01:04,240 Speaker 1: every single year, but also the goals that I work 14 00:01:04,319 --> 00:01:09,119 Speaker 1: on consistently throughout the year with love, devotion and dedication. 15 00:01:10,120 --> 00:01:12,520 Speaker 1: So today's episode is a little bit different, but I 16 00:01:12,520 --> 00:01:15,520 Speaker 1: think you're going to absolutely love this and find so 17 00:01:15,640 --> 00:01:18,080 Speaker 1: much value in what am I about to share with you. 18 00:01:18,520 --> 00:01:20,840 Speaker 1: So to backtrack a little bit, I recently listened to 19 00:01:20,880 --> 00:01:23,959 Speaker 1: a two and a half hour episode of Diary of 20 00:01:23,959 --> 00:01:27,200 Speaker 1: the CEO, and he was interviewing Chris Williamson, and it 21 00:01:27,280 --> 00:01:31,880 Speaker 1: was all about goal setting, how to create focus, the effort, 22 00:01:31,920 --> 00:01:34,560 Speaker 1: and that long term thinking that we all need to 23 00:01:34,600 --> 00:01:37,440 Speaker 1: achieve our goals, and most important, how to stop wasting 24 00:01:37,760 --> 00:01:44,679 Speaker 1: our life and time. Now, there were so many really great, 25 00:01:45,120 --> 00:01:48,920 Speaker 1: powerful concepts and ideas shared throughout this episode, but I 26 00:01:48,960 --> 00:01:52,360 Speaker 1: couldn't stop thinking to myself, most people don't have the 27 00:01:52,400 --> 00:01:56,080 Speaker 1: time or the headspace to listen to something this long, 28 00:01:56,160 --> 00:01:58,960 Speaker 1: Like two and a half hours is a lot, especially 29 00:01:59,000 --> 00:02:00,960 Speaker 1: if you know you're stopping and starting all the time, 30 00:02:01,000 --> 00:02:02,560 Speaker 1: where you don't have like two and a half hours 31 00:02:02,600 --> 00:02:05,000 Speaker 1: just to sit through the whole thing from start to finish. 32 00:02:05,240 --> 00:02:08,720 Speaker 1: Do was make notes, lots of notes. And I was 33 00:02:08,720 --> 00:02:10,720 Speaker 1: making these notes while I was listening to this episode. 34 00:02:10,720 --> 00:02:13,280 Speaker 1: In fact, I was even re listening and going back 35 00:02:13,320 --> 00:02:17,080 Speaker 1: and replaying multiple times certain like high value parts so 36 00:02:17,120 --> 00:02:20,920 Speaker 1: I could pull out the most powerful ideas, and some 37 00:02:21,000 --> 00:02:23,399 Speaker 1: of them I actually even filtered through my own financial 38 00:02:23,400 --> 00:02:26,200 Speaker 1: planning lends to add even more value. And I guess, 39 00:02:26,720 --> 00:02:30,040 Speaker 1: I guess importance, and I guess, as I said again, 40 00:02:30,440 --> 00:02:33,040 Speaker 1: I'll go back a bit. So I started making notes, 41 00:02:33,080 --> 00:02:35,600 Speaker 1: In fact, lots of notes whilst listening to this episode, 42 00:02:35,919 --> 00:02:40,400 Speaker 1: even like re listening to certain high value parts multiple 43 00:02:40,520 --> 00:02:44,520 Speaker 1: times and pulling out I guess the most powerful ideas, 44 00:02:44,639 --> 00:02:47,399 Speaker 1: and some of them I then filtered through my own 45 00:02:47,440 --> 00:02:49,520 Speaker 1: financial planning lens so I could make them even more 46 00:02:49,600 --> 00:02:53,120 Speaker 1: valuable for you and your bank balances, your investment portfolos, 47 00:02:53,160 --> 00:02:57,120 Speaker 1: and your superannuation funds. And I translated them into some 48 00:02:57,200 --> 00:03:01,600 Speaker 1: really practical insights that you can use use today if 49 00:03:01,639 --> 00:03:06,880 Speaker 1: you wanted to. And this is particularly focused around money, investing, energy, 50 00:03:07,040 --> 00:03:10,320 Speaker 1: and of course like our life direction, because I'm not 51 00:03:10,400 --> 00:03:12,800 Speaker 1: just about money and financial freedom, I much you very 52 00:03:12,880 --> 00:03:15,960 Speaker 1: much also about our own personal growth and development in 53 00:03:16,000 --> 00:03:19,280 Speaker 1: life so that we live our best lives possible. So 54 00:03:19,520 --> 00:03:22,680 Speaker 1: to be really clear, this episode is not a summary 55 00:03:22,800 --> 00:03:26,280 Speaker 1: of the diary of CEO's advice. It's not a replay. 56 00:03:26,440 --> 00:03:29,800 Speaker 1: But instead it's the best bits, the juiciest bits, the 57 00:03:29,840 --> 00:03:33,160 Speaker 1: most helpful bits, and it's all about giving you the 58 00:03:33,200 --> 00:03:36,880 Speaker 1: best insights I possibly can. And I've created this just 59 00:03:36,960 --> 00:03:39,640 Speaker 1: for you so that this year can not only be 60 00:03:39,680 --> 00:03:42,360 Speaker 1: a better year, it can be a bigger year and 61 00:03:42,880 --> 00:03:46,880 Speaker 1: so much more rewarding for you and for I. So 62 00:03:47,240 --> 00:03:50,560 Speaker 1: let us begin, all right, insight number one, and that 63 00:03:50,680 --> 00:03:54,040 Speaker 1: is stop waiting for the right time. One of the 64 00:03:54,200 --> 00:03:57,960 Speaker 1: strongest themes throughout this episode was the idea that waiting 65 00:03:58,400 --> 00:04:02,680 Speaker 1: keeps people stuff so stuck. You know, so many goals 66 00:04:02,720 --> 00:04:06,040 Speaker 1: fail before they've even started because we tell ourselves, Okay, 67 00:04:07,120 --> 00:04:09,360 Speaker 1: start when things come down, or when the kids are 68 00:04:09,360 --> 00:04:11,720 Speaker 1: back to school, or I'll start when I get that 69 00:04:11,720 --> 00:04:14,720 Speaker 1: promotion or I earn more, or I'll start when you 70 00:04:14,720 --> 00:04:17,479 Speaker 1: know life feels a bit easier, or I'll start once 71 00:04:17,480 --> 00:04:21,400 Speaker 1: I get through this or that. But here's the reality. 72 00:04:21,680 --> 00:04:24,839 Speaker 1: Life does not pause for anyone. I know this sounds 73 00:04:24,960 --> 00:04:27,960 Speaker 1: really harsh, but there's always going to be something that 74 00:04:28,080 --> 00:04:30,599 Speaker 1: will be in your life that is trying to stop 75 00:04:30,640 --> 00:04:34,880 Speaker 1: you or hold you back. A bill, a distraction, a temptation. 76 00:04:35,600 --> 00:04:38,880 Speaker 1: But the trick here is to see this trap, this 77 00:04:38,960 --> 00:04:42,479 Speaker 1: trap that really is toxic, and then say, you know what, 78 00:04:42,680 --> 00:04:45,560 Speaker 1: stuff it, walk all over it, and get started anyway, 79 00:04:46,080 --> 00:04:49,640 Speaker 1: regardless of what it needs to be done, what needs 80 00:04:49,680 --> 00:04:52,360 Speaker 1: to be finished, or what even actually needs to be received. 81 00:04:52,520 --> 00:04:55,960 Speaker 1: To get started, you need to be aware that financially 82 00:04:56,320 --> 00:04:59,000 Speaker 1: waiting for that person, that thing, that opportunity to happen 83 00:04:59,320 --> 00:05:03,320 Speaker 1: can be in in credibly expensive and also costly to 84 00:05:03,400 --> 00:05:06,040 Speaker 1: you and your future success. And that this is what 85 00:05:06,040 --> 00:05:08,440 Speaker 1: I'm talking about when it comes to getting started with investing, 86 00:05:08,520 --> 00:05:11,440 Speaker 1: getting started with that savings account, getting started with paying 87 00:05:11,440 --> 00:05:14,640 Speaker 1: off that debt, or getting started with safe and contributing 88 00:05:14,640 --> 00:05:19,320 Speaker 1: to your superannuation account. You've got to start seeing all 89 00:05:19,400 --> 00:05:22,880 Speaker 1: these things around you and decide to do it anyway. 90 00:05:23,200 --> 00:05:27,320 Speaker 1: Time is your biggest asset, so stop wasting it, and 91 00:05:27,480 --> 00:05:29,800 Speaker 1: in fact, sooner that you start is going to be 92 00:05:30,120 --> 00:05:32,719 Speaker 1: so much easier for yourself. You'll wonder why you wasted 93 00:05:32,800 --> 00:05:35,840 Speaker 1: so much time the moment you actually begin. So the 94 00:05:35,880 --> 00:05:40,040 Speaker 1: biggest takeaway from this particular insight isn't actually about panicking 95 00:05:40,160 --> 00:05:44,200 Speaker 1: or rushing in or like overwhelming yourself. No, it's just 96 00:05:44,240 --> 00:05:48,080 Speaker 1: simply to get started, even if it means imperfectly like 97 00:05:48,200 --> 00:05:51,000 Speaker 1: writing down a goal of yours, a financial goal in 98 00:05:51,200 --> 00:05:55,080 Speaker 1: detail with like a deadline, and opening that online share 99 00:05:55,080 --> 00:05:58,280 Speaker 1: trading account, or making that first debt repayment, because just 100 00:05:58,360 --> 00:06:02,840 Speaker 1: getting started is actually perfect. So from a practical point 101 00:06:02,839 --> 00:06:06,320 Speaker 1: of view, to start and start easy, Just start small, 102 00:06:06,400 --> 00:06:10,720 Speaker 1: start where you are. You know, momentum beats perfect timing 103 00:06:11,120 --> 00:06:14,520 Speaker 1: every time, so allow yourself to level up the moment 104 00:06:14,640 --> 00:06:17,280 Speaker 1: you can, but just get started right now. And I 105 00:06:17,320 --> 00:06:20,719 Speaker 1: promise you if you do this, you will be unrecognizable 106 00:06:20,880 --> 00:06:24,200 Speaker 1: by the end of this year. If you can genuinely 107 00:06:24,279 --> 00:06:26,919 Speaker 1: start right now today, in this very moment, and do 108 00:06:27,080 --> 00:06:30,760 Speaker 1: one simple small thing for that particular goal, and in 109 00:06:30,800 --> 00:06:33,200 Speaker 1: fact back it up by doing another small thing for 110 00:06:33,240 --> 00:06:34,840 Speaker 1: it tomorrow, in the day after and the day after, 111 00:06:35,400 --> 00:06:38,919 Speaker 1: you will open up the most incredible path for yourself 112 00:06:39,360 --> 00:06:42,400 Speaker 1: and you will have such a different financial future with 113 00:06:42,560 --> 00:06:46,920 Speaker 1: so much more financial growth for yourself. All right, Insight 114 00:06:47,040 --> 00:06:51,239 Speaker 1: number two, and that is to think return on effort, 115 00:06:51,920 --> 00:06:55,800 Speaker 1: not just hustle. Now, this was a really powerful idea 116 00:06:55,920 --> 00:06:59,240 Speaker 1: that was explored on this episode, and the concept was 117 00:06:59,320 --> 00:07:04,320 Speaker 1: a return on effort or return on investment. This wasn't 118 00:07:04,400 --> 00:07:07,640 Speaker 1: just about like return on money, but actually the return 119 00:07:07,720 --> 00:07:10,920 Speaker 1: on the time that you invest, the energy and mental 120 00:07:10,960 --> 00:07:13,400 Speaker 1: load that you invest in of course, the emotional load. 121 00:07:13,840 --> 00:07:18,080 Speaker 1: Now this really resonated with me, especially from a financial 122 00:07:18,120 --> 00:07:25,480 Speaker 1: planning perspective, because sometimes the most responsible decision or responsible 123 00:07:25,520 --> 00:07:29,400 Speaker 1: financial goal isn't actually the one that looks best on paper, 124 00:07:29,520 --> 00:07:32,800 Speaker 1: but it's the one that actually supports your life holistically. 125 00:07:32,920 --> 00:07:35,120 Speaker 1: All right, let me give you an example, let's take 126 00:07:35,200 --> 00:07:38,720 Speaker 1: the idea or the goal of paying off some more 127 00:07:38,720 --> 00:07:42,280 Speaker 1: of your mortgage. Now, yes, that is one hundred percent sensible, 128 00:07:42,360 --> 00:07:46,400 Speaker 1: that is one hundred percent wise. But what if we 129 00:07:46,480 --> 00:07:49,280 Speaker 1: look at this as a return on effort or return 130 00:07:49,360 --> 00:07:53,040 Speaker 1: on investment and instead perhaps find a better sense of 131 00:07:53,080 --> 00:07:55,160 Speaker 1: balance where we look at using maybe some of that 132 00:07:55,280 --> 00:07:58,240 Speaker 1: money to improve your family life, you know, to reduce 133 00:07:58,240 --> 00:08:01,080 Speaker 1: the stress. Perhaps it's helped pay for more help around 134 00:08:01,120 --> 00:08:04,200 Speaker 1: the home, such as a cleaner or a weekly babysitter 135 00:08:04,360 --> 00:08:07,560 Speaker 1: or some form of support, or perhaps using some of 136 00:08:07,600 --> 00:08:10,160 Speaker 1: that money to go on a family holiday, or even 137 00:08:10,240 --> 00:08:12,640 Speaker 1: something like adding value to a home by doing some 138 00:08:13,000 --> 00:08:17,760 Speaker 1: small improvements or even renovations. They can still be like 139 00:08:17,960 --> 00:08:22,680 Speaker 1: really strong decisions that are filled with actually like wider benefits. 140 00:08:23,120 --> 00:08:26,160 Speaker 1: And this one really hit me hard, so much so 141 00:08:26,280 --> 00:08:29,000 Speaker 1: that last minute I shifted one of my biggest financial 142 00:08:29,080 --> 00:08:31,480 Speaker 1: goals for this year from trying to pay for more 143 00:08:31,520 --> 00:08:34,520 Speaker 1: of our mortgage to actually instead in actually improving some 144 00:08:34,559 --> 00:08:37,280 Speaker 1: of the comfort factors of our home, you know, making 145 00:08:37,320 --> 00:08:40,560 Speaker 1: it more of a wellness sanctuary and for me and 146 00:08:40,600 --> 00:08:43,640 Speaker 1: my kids and for Tom, and to actually help invest 147 00:08:43,679 --> 00:08:47,040 Speaker 1: in creating a home that has I guess greater space 148 00:08:47,160 --> 00:08:51,480 Speaker 1: for that wholesome sense of fun and connection. So the 149 00:08:51,600 --> 00:08:55,440 Speaker 1: lesson here is goals shouldn't just be evaluated on like 150 00:08:56,040 --> 00:08:59,920 Speaker 1: the financial return, but actually on the overall impact and 151 00:09:00,320 --> 00:09:04,960 Speaker 1: uplift in your own personal life. So think return on effort, 152 00:09:05,360 --> 00:09:08,920 Speaker 1: ask yourself, what actually does give me the best return 153 00:09:09,040 --> 00:09:13,160 Speaker 1: right now beyond the dollars? And where is the emotional 154 00:09:13,240 --> 00:09:15,960 Speaker 1: uplift for me? And how can I find a way 155 00:09:16,000 --> 00:09:19,160 Speaker 1: to balance both of these benefits to get the boast 156 00:09:19,200 --> 00:09:22,319 Speaker 1: of both walls by working on one particular goal. And 157 00:09:22,400 --> 00:09:24,600 Speaker 1: if you can do this, it is the smartest and 158 00:09:24,679 --> 00:09:28,440 Speaker 1: most efficient return on investment for you and of course 159 00:09:28,520 --> 00:09:32,000 Speaker 1: for all your loved ones around you. Inside number three, 160 00:09:32,360 --> 00:09:36,079 Speaker 1: remove before you add. Now, there was this reoccurring theme 161 00:09:36,240 --> 00:09:40,320 Speaker 1: throughout this episode, and it was all around overload. Now, 162 00:09:40,360 --> 00:09:43,640 Speaker 1: as someone who can quite often get a little bit 163 00:09:43,679 --> 00:09:45,640 Speaker 1: over excited at the beginning of the year, I'm feeling 164 00:09:45,760 --> 00:09:49,600 Speaker 1: very motivated and very inspired. You know, I often can 165 00:09:49,720 --> 00:09:52,280 Speaker 1: very easily create, like say, two hundred and thirty five 166 00:09:52,640 --> 00:09:58,439 Speaker 1: different goals myself, and the results are scatty, flaky and 167 00:09:58,559 --> 00:10:02,800 Speaker 1: just you know, just mess So for me, this particular 168 00:10:02,880 --> 00:10:08,199 Speaker 1: advice was really timely and a good reminder and very valuable. 169 00:10:08,559 --> 00:10:12,199 Speaker 1: In fact, I learned about this particular technique a couple 170 00:10:12,200 --> 00:10:14,520 Speaker 1: of years ago, and it's the hardest one for me 171 00:10:14,559 --> 00:10:16,200 Speaker 1: to follow, but I think it's also one of the 172 00:10:16,200 --> 00:10:21,040 Speaker 1: most important ones to understand and do. So. Most people 173 00:10:21,320 --> 00:10:25,319 Speaker 1: don't fail because they lack motivation. They fail because they 174 00:10:25,400 --> 00:10:29,120 Speaker 1: try and do too much at once. I'll say that again, 175 00:10:29,520 --> 00:10:33,160 Speaker 1: most people don't fail because they lack motivation. They fail 176 00:10:33,240 --> 00:10:36,360 Speaker 1: because they try and do too much at once, too 177 00:10:36,400 --> 00:10:38,240 Speaker 1: many things at the same time. It's that famous saying 178 00:10:38,240 --> 00:10:40,560 Speaker 1: you can have everything, but not all at the same time. 179 00:10:41,080 --> 00:10:44,800 Speaker 1: So before you go and set a new goal, it's 180 00:10:44,840 --> 00:10:48,400 Speaker 1: worth asking yourself, what should I put down before I 181 00:10:48,520 --> 00:10:52,400 Speaker 1: pick up? What can I simplify my life? What can 182 00:10:52,440 --> 00:10:55,480 Speaker 1: I press pause on while I focus on this as 183 00:10:55,480 --> 00:10:58,920 Speaker 1: a priority? What am I already doing that actually no 184 00:10:59,000 --> 00:11:02,240 Speaker 1: longer serves me and I can cross off the list now. 185 00:11:02,320 --> 00:11:05,480 Speaker 1: From my money perspective, this often looks like too many 186 00:11:05,520 --> 00:11:08,480 Speaker 1: savings accounts, too many financial goals, which I'm guilty of. 187 00:11:09,160 --> 00:11:14,480 Speaker 1: Too many investment accounts, particularly too many micro investing accounts, 188 00:11:14,480 --> 00:11:16,600 Speaker 1: which is something I see if it's very very common, 189 00:11:16,679 --> 00:11:19,640 Speaker 1: or too many shoulds at the end of the day. 190 00:11:19,720 --> 00:11:24,840 Speaker 1: It's the clarity and the impactful progress that comes from subtraction, 191 00:11:25,240 --> 00:11:28,960 Speaker 1: not addition. And this is the exact reason why I 192 00:11:29,000 --> 00:11:32,400 Speaker 1: have learnt to cap my number of goals to an 193 00:11:32,440 --> 00:11:36,320 Speaker 1: absolute maximum of five, where I'm not allowed to add 194 00:11:36,400 --> 00:11:41,200 Speaker 1: any new ones until all five are done they're ticked off. 195 00:11:41,640 --> 00:11:43,720 Speaker 1: So for example, I'll work through my five goals and 196 00:11:43,760 --> 00:11:45,920 Speaker 1: I may have ticked off two. That doesn't mean I 197 00:11:45,920 --> 00:11:47,880 Speaker 1: can add another two. It means no, you must work 198 00:11:47,920 --> 00:11:50,520 Speaker 1: through all five until all five are ticked off before 199 00:11:50,520 --> 00:11:53,040 Speaker 1: you start adding more. And quite often I get to 200 00:11:53,080 --> 00:11:55,319 Speaker 1: the fifth one and you know the year has come 201 00:11:55,360 --> 00:11:57,320 Speaker 1: to an end anyway, So I would have shot myself 202 00:11:57,320 --> 00:11:58,720 Speaker 1: on the foot if I had done this. It's this 203 00:11:58,800 --> 00:12:02,520 Speaker 1: a really powerful act of self discipline, and it really doesn't, 204 00:12:02,559 --> 00:12:05,560 Speaker 1: I guess, make you be really dedicated and certain about 205 00:12:05,559 --> 00:12:07,320 Speaker 1: the goals that you want to work on, particularly at 206 00:12:07,320 --> 00:12:08,680 Speaker 1: the beginning of the year. So you have to be 207 00:12:08,760 --> 00:12:12,240 Speaker 1: really exclusive and selective as to what is worthy of 208 00:12:12,280 --> 00:12:14,319 Speaker 1: working on in the new your year, because you've only 209 00:12:14,400 --> 00:12:17,240 Speaker 1: got say, five goals, and it takes a huge amount 210 00:12:17,240 --> 00:12:19,760 Speaker 1: of discipline to do this. But it was definitely one 211 00:12:19,760 --> 00:12:21,880 Speaker 1: of the best hacks that I learned a few years 212 00:12:21,920 --> 00:12:25,240 Speaker 1: ago and one that has added so much value to 213 00:12:25,320 --> 00:12:28,120 Speaker 1: my actual progress. And I'll tell you what, Looking at 214 00:12:28,160 --> 00:12:31,480 Speaker 1: your goals and realize the progress you're making feels so 215 00:12:31,679 --> 00:12:35,120 Speaker 1: good and it fuels you to keep going. So keep 216 00:12:35,160 --> 00:12:40,880 Speaker 1: your goals simple, keep them meaningful, but keep them exclusively limited. 217 00:12:40,960 --> 00:12:44,080 Speaker 1: All right inside number four, and that is planning for 218 00:12:44,200 --> 00:12:47,800 Speaker 1: life happening. So this was another important takeaway from this episode, 219 00:12:47,800 --> 00:12:53,320 Speaker 1: and it was the realism around setbacks. Life doesn't derail goals. 220 00:12:53,679 --> 00:12:56,760 Speaker 1: Unplanned rigidity does. I'm going to say that again because 221 00:12:56,760 --> 00:13:02,720 Speaker 1: it's really important. Life doesn't derail goals. Unplanned rigidity does. 222 00:13:03,520 --> 00:13:06,480 Speaker 1: Life is always going to be filled with unexpected expenses, 223 00:13:07,160 --> 00:13:10,240 Speaker 1: low energy weeks where you're not feeling well or just 224 00:13:10,280 --> 00:13:14,800 Speaker 1: feeling flat, family needs, health issues, and changes with your 225 00:13:14,840 --> 00:13:18,000 Speaker 1: work situation or changes even with your work routine. So 226 00:13:18,040 --> 00:13:21,280 Speaker 1: you need to remember this and put this into action. 227 00:13:22,040 --> 00:13:27,360 Speaker 1: A good goal strategy always assumes interruptions will happen, and 228 00:13:27,400 --> 00:13:31,080 Speaker 1: a good goal strategy always has a backup plan to 229 00:13:31,160 --> 00:13:33,840 Speaker 1: help you get back on the horse, so that quitting 230 00:13:34,280 --> 00:13:38,160 Speaker 1: is never an option. So this isn't about manifesting disaster 231 00:13:38,360 --> 00:13:43,439 Speaker 1: or drama or conflict or failure even it's about manifesting smart, 232 00:13:43,480 --> 00:13:46,720 Speaker 1: intelligent safety nets that can catch you if you fall 233 00:13:47,000 --> 00:13:50,400 Speaker 1: and help you get back on track. So the question 234 00:13:50,559 --> 00:13:53,400 Speaker 1: I would be asking myself is how do I get 235 00:13:53,440 --> 00:13:56,240 Speaker 1: back on track quickly if something happens. How do I 236 00:13:56,280 --> 00:13:59,920 Speaker 1: do this without guilt keeping me stuck or punishing myself? 237 00:14:00,520 --> 00:14:04,440 Speaker 1: And how do I minimize damage and quickly catch up 238 00:14:04,480 --> 00:14:07,840 Speaker 1: for any book possible lost time along the way. You know, 239 00:14:07,960 --> 00:14:11,199 Speaker 1: from a financial lens, this means having buffers in your budget, 240 00:14:11,280 --> 00:14:14,280 Speaker 1: say rounding up everything in your budget, say by ten percent, 241 00:14:15,000 --> 00:14:19,400 Speaker 1: or having a reasonable sense of flexibility within your goals 242 00:14:19,400 --> 00:14:22,840 Speaker 1: where you can potentially tweak and change them if necessary, 243 00:14:23,200 --> 00:14:26,080 Speaker 1: such as extending deadlines or the amounts that you were 244 00:14:26,120 --> 00:14:29,120 Speaker 1: going to save or invest or put into superannuation. It's 245 00:14:29,120 --> 00:14:32,520 Speaker 1: about having systems in place that actually can absorb these natural, 246 00:14:32,560 --> 00:14:35,520 Speaker 1: normal shocks that happen as part of life. And yes, 247 00:14:35,560 --> 00:14:40,000 Speaker 1: of course this includes emergency money as well. So when 248 00:14:40,200 --> 00:14:44,200 Speaker 1: things happen in life, which they do, stopping is not failure. 249 00:14:45,320 --> 00:14:49,520 Speaker 1: What is failure is actually not restarting. So we need 250 00:14:49,600 --> 00:14:51,920 Speaker 1: to be real as to the reality of life and 251 00:14:52,120 --> 00:14:54,920 Speaker 1: prioritize in building the mindset and systems that get us 252 00:14:55,040 --> 00:14:57,680 Speaker 1: back on our feet again. Even when we are not 253 00:14:58,040 --> 00:15:00,440 Speaker 1: down brutally, we need to make make sure that we 254 00:15:00,480 --> 00:15:03,840 Speaker 1: are resilient. We're even bulletproof. Now. A classic example of 255 00:15:03,960 --> 00:15:06,440 Speaker 1: just weird things happening in life is the story of 256 00:15:06,520 --> 00:15:10,600 Speaker 1: a cockroach. So at the end of twenty twenty five, 257 00:15:10,960 --> 00:15:13,280 Speaker 1: just as I was getting towards the very end of 258 00:15:13,360 --> 00:15:17,000 Speaker 1: my goals for the year, I jumped out of the shower. 259 00:15:17,280 --> 00:15:19,960 Speaker 1: And I'm going to tell the details of the story, 260 00:15:20,000 --> 00:15:21,600 Speaker 1: so you don't think I'm a scaredy cat because a 261 00:15:21,600 --> 00:15:24,120 Speaker 1: cockroach jumped on you on me. So to put this 262 00:15:24,160 --> 00:15:26,240 Speaker 1: into perspective, I jumped out of the shower. I had 263 00:15:26,280 --> 00:15:28,080 Speaker 1: a towel wrapped around me, a very small one, and 264 00:15:28,120 --> 00:15:30,680 Speaker 1: I was watching a cockroach running away from me. And this, 265 00:15:30,760 --> 00:15:33,640 Speaker 1: by the way, this cockroach was gigantic. It was running 266 00:15:33,680 --> 00:15:35,680 Speaker 1: away from me. And I was so tired. About nine 267 00:15:35,680 --> 00:15:37,680 Speaker 1: point thirty at nine, i'd put the kids to bed, 268 00:15:37,800 --> 00:15:39,560 Speaker 1: and I all I can think is I'm so tired. 269 00:15:39,680 --> 00:15:41,680 Speaker 1: And I was staring at his cockroach running away, and 270 00:15:41,680 --> 00:15:43,840 Speaker 1: I was thinking to myself, do I get the can 271 00:15:43,920 --> 00:15:45,760 Speaker 1: and spray it now or do I just leave it 272 00:15:45,760 --> 00:15:48,200 Speaker 1: and deal with it tomorrow. Anyway, as I'm trying to 273 00:15:48,240 --> 00:15:52,720 Speaker 1: decide what to do, the cockroach turns around, faces me 274 00:15:52,840 --> 00:15:55,160 Speaker 1: and jumps on me. Now, being naked, had jumped on 275 00:15:55,280 --> 00:15:58,480 Speaker 1: my inner thigh and went up my inner thigh, so 276 00:15:58,920 --> 00:16:02,800 Speaker 1: naturally I jumped. But the problem was I jumped one 277 00:16:02,840 --> 00:16:05,720 Speaker 1: way and my leg jumped the other, and I heard 278 00:16:05,760 --> 00:16:09,640 Speaker 1: and felt my ACL tear came crashing down to the ground. 279 00:16:10,080 --> 00:16:13,480 Speaker 1: Now I shared the extra detail with you, uc think, 280 00:16:13,480 --> 00:16:15,920 Speaker 1: oh my gosh, can I just jumped because she saw 281 00:16:15,920 --> 00:16:18,160 Speaker 1: a cockroach that wasn't it? I was naked, it jumped 282 00:16:18,160 --> 00:16:21,920 Speaker 1: on my inner thigh. Anyway, what happened here was I 283 00:16:22,000 --> 00:16:26,000 Speaker 1: ended up needing ACL surgery, a knee reconstruction, and I 284 00:16:26,120 --> 00:16:30,040 Speaker 1: was out of pocket over nine thousand dollars and still counting. 285 00:16:30,400 --> 00:16:33,520 Speaker 1: And yes, I do have top cover private health insurance 286 00:16:33,520 --> 00:16:37,400 Speaker 1: in place. But this is an example of having a 287 00:16:37,440 --> 00:16:40,160 Speaker 1: good sense of reality of things that happened in life. 288 00:16:40,640 --> 00:16:44,360 Speaker 1: Set backs, blocks, cockroaches jumping on you in the middle 289 00:16:44,360 --> 00:16:46,600 Speaker 1: of the night. This is part of life. Because I 290 00:16:46,680 --> 00:16:49,320 Speaker 1: had emergency money, it didn't stop me on the progress 291 00:16:49,400 --> 00:16:51,960 Speaker 1: of my goals. Yes, I had to go to hospital. Yes, 292 00:16:51,960 --> 00:16:55,120 Speaker 1: I had to spend lots of money getting this recovery 293 00:16:55,120 --> 00:17:00,640 Speaker 1: and rehab in place, but with my goals impacted. Actually no, 294 00:17:00,800 --> 00:17:04,040 Speaker 1: not really, because I had a good sense of what 295 00:17:04,119 --> 00:17:06,440 Speaker 1: the real world looks like and what happens as a 296 00:17:06,560 --> 00:17:08,840 Speaker 1: natural part of life, things that happened for me, not 297 00:17:08,960 --> 00:17:13,800 Speaker 1: to me, and those safety nets supported me. So make 298 00:17:13,840 --> 00:17:16,960 Speaker 1: sure you have savings accounts, make sure you round up 299 00:17:17,000 --> 00:17:20,400 Speaker 1: your budget, make sure you understand what the real risks 300 00:17:20,520 --> 00:17:23,439 Speaker 1: i your life and what they possibly look at. This 301 00:17:23,640 --> 00:17:27,560 Speaker 1: is so incredibly important because it will stop you from stopping. 302 00:17:28,080 --> 00:17:31,359 Speaker 1: It will allow you to quickly catch up again and 303 00:17:31,400 --> 00:17:34,639 Speaker 1: to continue on seeing all that incredible progress that you 304 00:17:34,720 --> 00:17:39,679 Speaker 1: are worthy of achieving. All right, Insight number five, and 305 00:17:39,760 --> 00:17:43,920 Speaker 1: that is looking at goals and looking at the systems 306 00:17:44,040 --> 00:17:47,560 Speaker 1: behind your goals for success. Now, there is a very 307 00:17:47,600 --> 00:17:50,880 Speaker 1: strong element of my own interpretation behind this particular part 308 00:17:50,920 --> 00:17:54,040 Speaker 1: of the episode, and it's something that you know I 309 00:17:54,240 --> 00:17:56,040 Speaker 1: picked up and listening to this, But I also want 310 00:17:56,080 --> 00:17:59,239 Speaker 1: to apply this in a very practical way. So the 311 00:17:59,280 --> 00:18:05,320 Speaker 1: biggest reason goals fail is because people rely on their motivation. 312 00:18:06,280 --> 00:18:09,240 Speaker 1: So when it comes to motivation, of course that is essential, 313 00:18:09,480 --> 00:18:12,040 Speaker 1: but What I always do is try and convert my 314 00:18:12,160 --> 00:18:16,439 Speaker 1: goals into systems, but even better into habits. And I 315 00:18:16,520 --> 00:18:20,320 Speaker 1: start with creating an amazing sense of clarity and meaning 316 00:18:20,480 --> 00:18:23,120 Speaker 1: behind each of the goals that I'm working on, so 317 00:18:23,160 --> 00:18:25,560 Speaker 1: that so much though that I become so passionate and 318 00:18:25,600 --> 00:18:28,920 Speaker 1: so connected, and I can build up a habit system 319 00:18:29,040 --> 00:18:33,040 Speaker 1: behind each goal so that success is almost organic. It 320 00:18:33,119 --> 00:18:36,240 Speaker 1: is my default behavior to work on that goal, to 321 00:18:36,320 --> 00:18:39,600 Speaker 1: see that goal succeed step by step, even if it's 322 00:18:39,600 --> 00:18:41,879 Speaker 1: only baby steps, but all the way through, as it 323 00:18:41,920 --> 00:18:45,040 Speaker 1: continues to flourish and flourish and flourish right through to 324 00:18:45,119 --> 00:18:46,880 Speaker 1: the end of the year, and I take it off 325 00:18:46,960 --> 00:18:50,600 Speaker 1: my list of goals. So, for example, instead of saying, 326 00:18:50,640 --> 00:18:53,480 Speaker 1: you know, okay, my new Year's resolution, my new goals 327 00:18:53,480 --> 00:18:56,280 Speaker 1: are to invest more this year, that's not good enough. 328 00:18:56,440 --> 00:18:59,520 Speaker 1: You need to go way deeper with this. You need 329 00:18:59,520 --> 00:19:01,520 Speaker 1: to think about out what it is about this goal 330 00:19:01,520 --> 00:19:04,880 Speaker 1: that deeply resonates with you. So, for example, you would 331 00:19:04,920 --> 00:19:09,480 Speaker 1: give this goal so much more detail and definition. You 332 00:19:09,480 --> 00:19:11,480 Speaker 1: would say, for example, instead of I'm going to invest 333 00:19:11,560 --> 00:19:14,919 Speaker 1: this year, you'd say, I'm investing one thousand dollars per 334 00:19:14,960 --> 00:19:17,679 Speaker 1: month this year into my share portfolio account because I 335 00:19:17,720 --> 00:19:20,840 Speaker 1: am building long term financial independence for myself where I'm 336 00:19:20,840 --> 00:19:24,760 Speaker 1: going to feel financially resilient and strong, and I'm knowing 337 00:19:24,800 --> 00:19:26,840 Speaker 1: that I'm going to stand on my own two feet 338 00:19:26,920 --> 00:19:29,359 Speaker 1: with all my hard work, where I can look back 339 00:19:29,440 --> 00:19:32,160 Speaker 1: with so much pride and know that it's my own discipline, 340 00:19:32,200 --> 00:19:35,360 Speaker 1: my own commitment, and my own consistency that has created 341 00:19:35,400 --> 00:19:38,920 Speaker 1: these results. So by suddenly changing a goal from being 342 00:19:38,920 --> 00:19:42,560 Speaker 1: something very sort of bland and shallow, you made it 343 00:19:42,600 --> 00:19:46,639 Speaker 1: something really electrifying where it actually lights you up. You 344 00:19:46,640 --> 00:19:49,960 Speaker 1: get excited, you understand the passion, the vision that you know, 345 00:19:50,000 --> 00:19:52,080 Speaker 1: the direction behind us, and the value that's going to 346 00:19:52,080 --> 00:19:54,359 Speaker 1: add to you and your life and even your energy. 347 00:19:54,880 --> 00:19:56,760 Speaker 1: And then once you've done that, you go out and 348 00:19:56,920 --> 00:20:00,560 Speaker 1: automate as much as you possibly can or you can't. 349 00:20:00,720 --> 00:20:04,560 Speaker 1: You intentionally build a habit behind that. You know. You 350 00:20:04,600 --> 00:20:07,160 Speaker 1: even look at stacking your habits, which is a brilliant 351 00:20:07,200 --> 00:20:10,320 Speaker 1: hack so that it becomes so easy you don't even 352 00:20:10,359 --> 00:20:13,399 Speaker 1: think about it. You just do it. So, for example, 353 00:20:13,400 --> 00:20:16,320 Speaker 1: when it comes to automation, you might automate your investing. 354 00:20:16,640 --> 00:20:19,920 Speaker 1: You might automate your regular investment plans. You might automate 355 00:20:20,119 --> 00:20:23,240 Speaker 1: those savings. You might automate those extra debt repayment plans, 356 00:20:23,280 --> 00:20:26,160 Speaker 1: you might automate safe salary sacrificing to put more money 357 00:20:26,160 --> 00:20:30,600 Speaker 1: into SUPER. And yes, automation is the successful step for 358 00:20:30,680 --> 00:20:33,440 Speaker 1: each goal. But sometimes there are things that we can't 359 00:20:33,440 --> 00:20:36,080 Speaker 1: necessarily automate, and that is where we need to build 360 00:20:36,240 --> 00:20:39,760 Speaker 1: habits as well. So some great financial habits to have 361 00:20:39,840 --> 00:20:43,080 Speaker 1: are like reading your goals every single morning or every night, 362 00:20:43,240 --> 00:20:46,120 Speaker 1: or even both, or for example, checking you know your 363 00:20:46,200 --> 00:20:49,159 Speaker 1: share portfolio or the passive income that you're earning, or 364 00:20:49,200 --> 00:20:52,520 Speaker 1: going in and checking your savings and your budget, you 365 00:20:52,520 --> 00:20:54,520 Speaker 1: know on the bus or the train on the way 366 00:20:54,520 --> 00:20:57,160 Speaker 1: to work or on the way home, reviewing your budget 367 00:20:57,200 --> 00:21:00,880 Speaker 1: on a regular basis, so you can find additional saving opportunities, 368 00:21:00,960 --> 00:21:03,400 Speaker 1: or perhaps you know, you create a habit system where 369 00:21:03,440 --> 00:21:05,480 Speaker 1: the first of every month you go through your home 370 00:21:05,480 --> 00:21:08,800 Speaker 1: looking at things you can potentially sell to the secondhand economy. 371 00:21:09,320 --> 00:21:12,520 Speaker 1: Create the systems that are in positive alignment to those 372 00:21:12,680 --> 00:21:16,800 Speaker 1: goals actually happening and happening quickly, even if they are 373 00:21:16,800 --> 00:21:19,840 Speaker 1: only seen like small simple habits. I can't tell you 374 00:21:20,040 --> 00:21:23,320 Speaker 1: this is so incredibly important, and you never know what 375 00:21:23,440 --> 00:21:26,280 Speaker 1: actually happens to you Shortly after this, you get an idea, 376 00:21:26,440 --> 00:21:28,960 Speaker 1: or it's a new source of inspiration, or a new 377 00:21:29,000 --> 00:21:32,360 Speaker 1: connection or a new opportunity comes your way. Now, when 378 00:21:32,400 --> 00:21:36,080 Speaker 1: you start automating your goals or putting the right habit 379 00:21:36,160 --> 00:21:40,280 Speaker 1: systems in place, you reduce or remove even that decision 380 00:21:40,280 --> 00:21:42,680 Speaker 1: fatigue that can sometimes hold you back, will keep you stuck. 381 00:21:42,760 --> 00:21:46,320 Speaker 1: But even better, it actually protects your energy. If you 382 00:21:46,320 --> 00:21:49,320 Speaker 1: think about it, you're cleaning your teeth. Does cleaning your 383 00:21:49,359 --> 00:21:52,080 Speaker 1: teeth take energy? No, not really, because it's a habit. 384 00:21:52,520 --> 00:21:55,080 Speaker 1: You just do it. Your teeth are cleaned two three 385 00:21:55,119 --> 00:21:58,840 Speaker 1: minutes later. It's exactly the same with your goals. You 386 00:21:58,880 --> 00:22:01,520 Speaker 1: find that you've got so more, much more energy for 387 00:22:01,640 --> 00:22:04,080 Speaker 1: your goals, for what you're going after, for what you're tasing, 388 00:22:04,119 --> 00:22:07,280 Speaker 1: because the action required to work on these goals has 389 00:22:07,359 --> 00:22:10,200 Speaker 1: actually just happened organically. You've just done it through the 390 00:22:10,280 --> 00:22:14,120 Speaker 1: habit system and automation that you've built, which is exactly 391 00:22:14,240 --> 00:22:17,560 Speaker 1: what so many of the ideas in this particular episode 392 00:22:17,560 --> 00:22:20,719 Speaker 1: we're pointing towards. But also the fact that it actually 393 00:22:20,720 --> 00:22:24,560 Speaker 1: fuels you with this amazing sense of consistent motivation because 394 00:22:24,600 --> 00:22:27,480 Speaker 1: you know your personal why and also the value behind 395 00:22:27,600 --> 00:22:30,600 Speaker 1: each goal. You've gotten deep, you've gotten passionate, you've gotten 396 00:22:30,640 --> 00:22:32,720 Speaker 1: connected with those, and you've built the systems and the 397 00:22:32,760 --> 00:22:36,359 Speaker 1: habits in place so that they do just happen organically 398 00:22:36,480 --> 00:22:40,800 Speaker 1: for you. And insight number six and that is consistency 399 00:22:41,119 --> 00:22:47,800 Speaker 1: over intensity. This one final concept really does tie everything 400 00:22:47,840 --> 00:22:50,080 Speaker 1: together for this episode and for what I listened to, 401 00:22:50,280 --> 00:22:53,159 Speaker 1: and that is consistency and it is I think one 402 00:22:53,160 --> 00:22:56,960 Speaker 1: of the most insightful tips from a diary of a CEO. 403 00:22:57,119 --> 00:23:00,760 Speaker 1: So this is not about intensity, and it's not about perfection. 404 00:23:01,160 --> 00:23:07,800 Speaker 1: It's about consistency. Missing one habit or one opportunity, or 405 00:23:07,840 --> 00:23:12,760 Speaker 1: one session, or one budgeting review or one regular investment 406 00:23:12,840 --> 00:23:16,000 Speaker 1: plan or saving plan or extra debt repayment plan that 407 00:23:16,200 --> 00:23:21,560 Speaker 1: doesn't matter that is actually forgivable, but miss it twice, 408 00:23:21,600 --> 00:23:26,720 Speaker 1: this becomes a very new dangerous and self destructive pattern. 409 00:23:27,440 --> 00:23:32,120 Speaker 1: So this applies to investing, saving, paying down debt, even learning. 410 00:23:32,480 --> 00:23:34,840 Speaker 1: If you're reading a financial book every night and then 411 00:23:34,880 --> 00:23:37,960 Speaker 1: you stop reading it for one night, that happens, that's okay, 412 00:23:38,280 --> 00:23:40,199 Speaker 1: but do it again for the next night where you 413 00:23:40,200 --> 00:23:43,560 Speaker 1: forget to read. This is where new dangerous patterns are 414 00:23:43,640 --> 00:23:48,400 Speaker 1: creeping in you need to remember it's about keeping the consistency, 415 00:23:48,760 --> 00:23:52,680 Speaker 1: the progress fueling over time. If you want to see results, 416 00:23:53,160 --> 00:23:57,159 Speaker 1: and it is yes, those really small actions done on 417 00:23:57,200 --> 00:24:00,520 Speaker 1: a repeated basis, they are the ones that really do 418 00:24:00,800 --> 00:24:06,960 Speaker 1: compound financially and psychologically. So do not break your momentum. 419 00:24:07,280 --> 00:24:11,479 Speaker 1: Forgive yourself once, just once, but refuse to let it 420 00:24:11,560 --> 00:24:14,960 Speaker 1: happen twice once. It's fine. Two times in a row 421 00:24:15,040 --> 00:24:18,480 Speaker 1: is an absolute no. No. The potential break in your 422 00:24:18,560 --> 00:24:22,680 Speaker 1: pattern is way too dangerous. So if I had to 423 00:24:22,720 --> 00:24:26,040 Speaker 1: distill a two and a half hour conversation into a 424 00:24:26,200 --> 00:24:30,280 Speaker 1: simple single message, it would be this, you don't actually 425 00:24:30,320 --> 00:24:35,239 Speaker 1: need more goals. You need clearer, more personal goals. You 426 00:24:35,280 --> 00:24:39,760 Speaker 1: need better systems and better habits, actually high value habits, 427 00:24:40,280 --> 00:24:42,880 Speaker 1: and you need less overload. If you want to see 428 00:24:42,920 --> 00:24:47,479 Speaker 1: this year flourish view, ask yourself, what would my future 429 00:24:47,480 --> 00:24:50,080 Speaker 1: self be proud of looking back at what I had 430 00:24:50,240 --> 00:24:55,560 Speaker 1: achieved this year? And write down those answers. Ask yourself, also, 431 00:24:55,640 --> 00:24:58,960 Speaker 1: this what gives me the best return on my energy 432 00:24:59,240 --> 00:25:02,480 Speaker 1: and my go Beyond the dollars, Think about what gives 433 00:25:02,480 --> 00:25:05,280 Speaker 1: you the best uplift for you and your loved ones, 434 00:25:05,359 --> 00:25:07,520 Speaker 1: and try and find a way to balance the best 435 00:25:07,560 --> 00:25:10,959 Speaker 1: of both worlds. And then, finally, what can I simplify 436 00:25:11,200 --> 00:25:16,560 Speaker 1: or transform into a habit to move forward calmly for 437 00:25:16,640 --> 00:25:20,400 Speaker 1: each of my goals. Goals are not about pressure, even 438 00:25:20,440 --> 00:25:22,600 Speaker 1: though you may be feeling a lot of pressure on 439 00:25:22,640 --> 00:25:25,200 Speaker 1: yourself at the start of the year. But they're also 440 00:25:25,720 --> 00:25:30,160 Speaker 1: very much about direction. They're about creating a passionate purpose 441 00:25:30,160 --> 00:25:34,280 Speaker 1: for yourself and seeing and feeling the incredible progress in 442 00:25:34,320 --> 00:25:36,879 Speaker 1: your life that gives you something to feel proud of 443 00:25:37,200 --> 00:25:39,879 Speaker 1: and proud about yourself, so that when you come to 444 00:25:39,880 --> 00:25:42,400 Speaker 1: the end of the year and you're done with your goals, 445 00:25:42,600 --> 00:25:45,840 Speaker 1: you don't feel burnt out. You actually feel steady, you 446 00:25:45,880 --> 00:25:48,840 Speaker 1: feel strong, and you might even feel a little bit 447 00:25:48,880 --> 00:25:52,440 Speaker 1: more fuel left in the tank for one last hurrah 448 00:25:52,680 --> 00:25:57,159 Speaker 1: as we end the year on a massive high together. Now, 449 00:25:57,200 --> 00:25:59,439 Speaker 1: if you found this episode helpful, please make sure you 450 00:25:59,440 --> 00:26:02,040 Speaker 1: save it, Please make sure you revisit it, and please 451 00:26:02,080 --> 00:26:04,640 Speaker 1: make sure you send it to a friend, And in 452 00:26:04,640 --> 00:26:08,800 Speaker 1: this very moment, right now, take one small step to 453 00:26:08,920 --> 00:26:12,040 Speaker 1: do something for your goals, whether it be writing them down, 454 00:26:12,080 --> 00:26:14,679 Speaker 1: whether it be writing down the detail, or whether it be 455 00:26:14,720 --> 00:26:17,800 Speaker 1: setting up the system or the habit behind them. Because 456 00:26:17,840 --> 00:26:22,080 Speaker 1: This is how real change starts. And I cannot tell 457 00:26:22,080 --> 00:26:24,520 Speaker 1: you how excited I am that we get to share 458 00:26:24,640 --> 00:26:27,480 Speaker 1: this year together where we are so grateful that we 459 00:26:27,480 --> 00:26:31,960 Speaker 1: were respected and valued every single minute as an opportunity, 460 00:26:32,359 --> 00:26:35,560 Speaker 1: as a blessing to work on our goals. This is 461 00:26:35,760 --> 00:27:09,399 Speaker 1: Sugar Mama's fireplayer.