1 00:00:03,840 --> 00:00:04,200 Speaker 1: Curta. 2 00:00:04,519 --> 00:00:07,680 Speaker 2: Welcome to the last episode of Shared Lunch for twenty 3 00:00:07,720 --> 00:00:10,880 Speaker 2: twenty five. We'll be sharing some personal highlights. 4 00:00:11,280 --> 00:00:14,319 Speaker 3: Loved really sing that evolution of us from kind of 5 00:00:14,560 --> 00:00:17,120 Speaker 3: investing and keep you saving into like bringing it all 6 00:00:17,160 --> 00:00:20,600 Speaker 3: together and really being able to solve more people as well. 7 00:00:21,520 --> 00:00:22,480 Speaker 1: What's coming next? 8 00:00:22,560 --> 00:00:26,520 Speaker 4: We'll invest back like you're getting platinum card returns. Basically 9 00:00:27,080 --> 00:00:30,360 Speaker 4: we're still still breaking these things down. You know next 10 00:00:30,440 --> 00:00:32,600 Speaker 4: you'll be even more then. 11 00:00:32,640 --> 00:00:34,400 Speaker 1: Also here from a few of our customers. 12 00:00:34,520 --> 00:00:36,600 Speaker 5: But I also want to be in a position where 13 00:00:36,960 --> 00:00:40,400 Speaker 5: we don't have to do things just to make money 14 00:00:40,479 --> 00:00:42,680 Speaker 5: because we've got this wealth coming in. 15 00:00:42,680 --> 00:00:45,960 Speaker 6: In other ways, investing involves the risk you might lose 16 00:00:45,960 --> 00:00:48,280 Speaker 6: the money you start with. We recommend talking to a 17 00:00:48,360 --> 00:00:52,960 Speaker 6: licensed financial advisor. We also recommend reading product disclosure documents 18 00:00:52,960 --> 00:00:55,800 Speaker 6: before deciding to invest. Everything you're about to see and 19 00:00:55,880 --> 00:00:57,720 Speaker 6: here is current at the time of recording. 20 00:00:57,920 --> 00:00:59,840 Speaker 1: So who as the we in the room? 21 00:01:00,120 --> 00:01:04,480 Speaker 2: Well, it is myself, Leyton, and Sonya, the three eos 22 00:01:04,560 --> 00:01:06,840 Speaker 2: and three of the co founders the Chasis. 23 00:01:07,680 --> 00:01:12,160 Speaker 4: My personal highlight this year was having us self select 24 00:01:12,520 --> 00:01:15,240 Speaker 4: into key receiver. I think there's actually lots of highlights, 25 00:01:15,280 --> 00:01:17,360 Speaker 4: but that's been one that I've been waiting for for 26 00:01:17,400 --> 00:01:19,360 Speaker 4: a long time. I felt like we started thinking about 27 00:01:19,360 --> 00:01:23,360 Speaker 4: that a very long time ago, and now it is there. 28 00:01:23,880 --> 00:01:29,280 Speaker 2: I think my personal highlight is that invest back. Really, 29 00:01:29,360 --> 00:01:31,399 Speaker 2: it's so good to have that spend card out there 30 00:01:31,400 --> 00:01:34,560 Speaker 2: a second. You know, it takes time to innovate in 31 00:01:34,560 --> 00:01:37,960 Speaker 2: that space, but I love that, you know, everyone has 32 00:01:38,000 --> 00:01:40,360 Speaker 2: to spend money, and it's so cool that they can 33 00:01:40,840 --> 00:01:43,480 Speaker 2: be investing at the same time as you know, living 34 00:01:43,520 --> 00:01:43,960 Speaker 2: their lives. 35 00:01:43,959 --> 00:01:46,679 Speaker 3: It's like this year, I've just loved seeing you know, 36 00:01:46,720 --> 00:01:49,360 Speaker 3: we've launched a lot of new products, but also so 37 00:01:49,600 --> 00:01:52,200 Speaker 3: much has gone in between, like how these products come together. 38 00:01:52,760 --> 00:01:55,040 Speaker 3: And I think there's so much more even coming out 39 00:01:55,040 --> 00:01:57,040 Speaker 3: next year that I'm like really looking forward to. But 40 00:01:57,080 --> 00:02:00,680 Speaker 3: I've loved really seeing that evolution of us from kind 41 00:02:00,680 --> 00:02:03,400 Speaker 3: of investing in keep you saving, into like bringing it 42 00:02:03,440 --> 00:02:07,160 Speaker 3: all together and really being able to solve more people's wealth. 43 00:02:07,920 --> 00:02:09,560 Speaker 3: You know, my Nana always had lots of quotes, but 44 00:02:09,600 --> 00:02:12,080 Speaker 3: one of them was like knowledge is no load to carry, 45 00:02:12,280 --> 00:02:15,080 Speaker 3: and all these things around, like what actually wealth means 46 00:02:15,080 --> 00:02:17,200 Speaker 3: can be about freedom of time, how you spend it, 47 00:02:17,280 --> 00:02:20,760 Speaker 3: what you choose to invest in and So I think 48 00:02:20,880 --> 00:02:24,960 Speaker 3: that actually helping people become wealthy is so joyful because 49 00:02:24,960 --> 00:02:28,160 Speaker 3: it is about feeling like you've got some real say 50 00:02:28,160 --> 00:02:28,760 Speaker 3: in your life. 51 00:02:28,960 --> 00:02:29,160 Speaker 1: Yeah. 52 00:02:29,200 --> 00:02:32,160 Speaker 2: I think, you know, health is our ultimate wealth. Our 53 00:02:32,200 --> 00:02:34,680 Speaker 2: relationships with people is a really important part of wealth. 54 00:02:36,080 --> 00:02:39,080 Speaker 2: And then you know, money enables a lot of opportunities, 55 00:02:39,120 --> 00:02:41,480 Speaker 2: and so that's why we want to really help more 56 00:02:41,520 --> 00:02:44,560 Speaker 2: people get access to developing wealth, and those that have 57 00:02:44,680 --> 00:02:47,239 Speaker 2: wealth being able to help them grow and flourish that 58 00:02:47,360 --> 00:02:50,120 Speaker 2: and share it within the wider community too, because as 59 00:02:50,160 --> 00:02:52,920 Speaker 2: you knows, as a rising tide floats or boats, as 60 00:02:53,000 --> 00:02:56,480 Speaker 2: we become more wealthy, as you know, nations and as 61 00:02:56,560 --> 00:03:00,280 Speaker 2: people will have more opportunities and be able to share 62 00:03:00,320 --> 00:03:03,480 Speaker 2: those down for generations to come. So yeah, I think 63 00:03:04,160 --> 00:03:06,880 Speaker 2: wealth needs a reframe, and we're doing it. 64 00:03:08,200 --> 00:03:12,120 Speaker 4: I think there are people who have ambition to have wealth, 65 00:03:12,240 --> 00:03:14,360 Speaker 4: like financial wealth, for the sake of financial wealth, and 66 00:03:14,360 --> 00:03:17,079 Speaker 4: that makes them feel good, and that's an ambition, but 67 00:03:17,120 --> 00:03:19,560 Speaker 4: I actually think that's probably quite a small group of people, 68 00:03:21,080 --> 00:03:26,639 Speaker 4: and like most people want wealth for flexibility and freedom, 69 00:03:26,680 --> 00:03:30,240 Speaker 4: and ultimately part of it was feeling comfortable about spinning 70 00:03:30,280 --> 00:03:34,440 Speaker 4: some of that wealth too, right, so and protecting that 71 00:03:34,480 --> 00:03:37,400 Speaker 4: wealth and just it's quite a full picture. So I 72 00:03:37,480 --> 00:03:38,640 Speaker 4: like the word. I like the word. 73 00:03:39,360 --> 00:03:42,040 Speaker 2: Now, we've been running this business for you around nine 74 00:03:42,120 --> 00:03:45,840 Speaker 2: years to see the compounding nature of our experiences and 75 00:03:45,880 --> 00:03:48,440 Speaker 2: our app that we've built and the company that we've 76 00:03:48,440 --> 00:03:53,400 Speaker 2: built behind that, and how it's really starting to grow 77 00:03:53,480 --> 00:03:56,640 Speaker 2: beyond the if it put in. It just starts to 78 00:03:56,680 --> 00:03:58,920 Speaker 2: get growing and growing as more people kind of become 79 00:03:58,920 --> 00:04:01,400 Speaker 2: aware of isis and starting to use the Wealth Act 80 00:04:01,440 --> 00:04:03,640 Speaker 2: more and our team to get more and more experience 81 00:04:03,640 --> 00:04:05,240 Speaker 2: about how to deliver innovation in this space. 82 00:04:05,680 --> 00:04:08,920 Speaker 4: People don't know about the business to business part of Chess, 83 00:04:08,960 --> 00:04:12,680 Speaker 4: which is where we have delivered a product and services 84 00:04:12,800 --> 00:04:17,320 Speaker 4: for businesses to help empower their stakeholders, whether that's the 85 00:04:17,360 --> 00:04:19,320 Speaker 4: people that work for them to get shares and the 86 00:04:19,400 --> 00:04:21,760 Speaker 4: companies they work for. If you haven't heard of this 87 00:04:21,920 --> 00:04:23,440 Speaker 4: and you work for a big company, you should ask 88 00:04:23,480 --> 00:04:28,280 Speaker 4: them to come and speak to Chairsy's and also making 89 00:04:28,320 --> 00:04:30,920 Speaker 4: sure that companies are getting their message out to everyone, 90 00:04:31,120 --> 00:04:33,040 Speaker 4: like in a way that people want to hear that. 91 00:04:33,240 --> 00:04:36,360 Speaker 4: And you know, we've worked with a huge number of partners. 92 00:04:37,640 --> 00:04:39,719 Speaker 4: You know, at least an episode a week this week 93 00:04:39,800 --> 00:04:44,000 Speaker 4: speaking with different CEO CFOs directors, business leaders, thought leaders 94 00:04:45,360 --> 00:04:48,240 Speaker 4: to get more education about both specific companies and what 95 00:04:48,279 --> 00:04:51,919 Speaker 4: they're up to, but also the financial sector more broadly. 96 00:04:52,040 --> 00:04:54,039 Speaker 4: So we've had a big year. We've got some really 97 00:04:54,120 --> 00:04:56,840 Speaker 4: large partners now. We've done a massive amount of work 98 00:04:56,880 --> 00:05:01,200 Speaker 4: with Fonterra, We've recently onboarded LAC, We've done a huge 99 00:05:01,279 --> 00:05:04,120 Speaker 4: number of employee shares schemes again and we've got a 100 00:05:04,240 --> 00:05:06,600 Speaker 4: really strong pipeline for the next year, so we'll be 101 00:05:06,600 --> 00:05:09,440 Speaker 4: announcing a few more partnerships there as well. So thank 102 00:05:09,480 --> 00:05:12,440 Speaker 4: you also to all the businesses that are choosing us 103 00:05:12,440 --> 00:05:14,279 Speaker 4: as a partner for those services. 104 00:05:15,120 --> 00:05:18,280 Speaker 3: When I look at how the business has evolved, how 105 00:05:18,320 --> 00:05:21,960 Speaker 3: She has evolved, you know, heading over one hundred thousand 106 00:05:21,960 --> 00:05:24,360 Speaker 3: customers in Australia this year, you know like it just 107 00:05:24,400 --> 00:05:27,000 Speaker 3: feels like there's a lot everything's kind of hitting it 108 00:05:27,040 --> 00:05:29,680 Speaker 3: stride a bit. And as well like just having a 109 00:05:29,760 --> 00:05:32,800 Speaker 3: team that has been along on this journey for quite 110 00:05:32,800 --> 00:05:36,440 Speaker 3: a lot of it now and really feeling that as 111 00:05:36,520 --> 00:05:38,440 Speaker 3: a real woman builder as well. 112 00:05:38,760 --> 00:05:42,400 Speaker 4: Yeah, I think that those two the two things this year. 113 00:05:42,400 --> 00:05:47,400 Speaker 4: I think that we've gone like materially towards that vision. 114 00:05:47,440 --> 00:05:50,200 Speaker 4: We had a few years ago. So one is that 115 00:05:50,400 --> 00:05:51,880 Speaker 4: businesses are a large part of it now, and we 116 00:05:51,920 --> 00:05:53,760 Speaker 4: always knew that would be true in some respect, but 117 00:05:53,839 --> 00:05:56,400 Speaker 4: that's really starting to happen, so they are really important 118 00:05:56,600 --> 00:05:59,200 Speaker 4: partners to that as opposed to just sort of like 119 00:05:59,240 --> 00:06:01,680 Speaker 4: an entity on this, I suppose. And then the other 120 00:06:01,720 --> 00:06:05,039 Speaker 4: one is like the idea was that the original vision 121 00:06:05,120 --> 00:06:08,000 Speaker 4: was the same money opportunities for someone with five dollars 122 00:06:08,040 --> 00:06:11,039 Speaker 4: and someone with five hundred thousand dollars, and we've done 123 00:06:11,080 --> 00:06:13,240 Speaker 4: that with investing, but it does feel like as we 124 00:06:13,360 --> 00:06:15,760 Speaker 4: do that with well what we've done with Q we 125 00:06:15,800 --> 00:06:17,599 Speaker 4: see and now with some of the self select options, 126 00:06:17,640 --> 00:06:21,200 Speaker 4: but also with invest back, like you're getting platinum card 127 00:06:21,320 --> 00:06:26,240 Speaker 4: returns basically with doesn't really matter how much without necessarily 128 00:06:26,279 --> 00:06:28,119 Speaker 4: that sort of ten thousand dollar credit limit and stuff 129 00:06:28,120 --> 00:06:30,760 Speaker 4: that you need previously on the credit cards. So we're 130 00:06:30,800 --> 00:06:34,239 Speaker 4: still still breaking these things down. You know, next year'll 131 00:06:34,240 --> 00:06:35,480 Speaker 4: be even more. 132 00:06:36,320 --> 00:06:36,520 Speaker 7: I know. 133 00:06:36,640 --> 00:06:38,720 Speaker 2: What matters most to us is the impact that this 134 00:06:38,839 --> 00:06:41,320 Speaker 2: has on you know, the people the you know, over 135 00:06:41,440 --> 00:06:45,280 Speaker 2: nine hundred thousand customers that use shares Ease, and I 136 00:06:45,360 --> 00:06:48,480 Speaker 2: understand the flip the laptop around because it seems like 137 00:06:48,560 --> 00:06:50,720 Speaker 2: they've gone and interviewed some of our customers. 138 00:06:50,800 --> 00:06:52,960 Speaker 1: We get to hear how they viewed years ees and 139 00:06:54,080 --> 00:06:56,360 Speaker 1: and kind of react to that. So let's crack into it. 140 00:06:57,240 --> 00:06:59,080 Speaker 7: I realized I wanted my money to work for me 141 00:06:59,279 --> 00:07:01,680 Speaker 7: and not in the account my bank account losing money 142 00:07:01,760 --> 00:07:06,560 Speaker 7: to inflation. My name is Samantha and I have been 143 00:07:06,600 --> 00:07:09,680 Speaker 7: a member of Chas's since I was nineteen years old, 144 00:07:10,360 --> 00:07:12,520 Speaker 7: So the money moment was specific goal that prompted me 145 00:07:12,640 --> 00:07:15,680 Speaker 7: to start investing and boarding long term wealth. My dad 146 00:07:15,960 --> 00:07:18,200 Speaker 7: was a big part of that. From a young age. 147 00:07:18,240 --> 00:07:21,280 Speaker 7: He forced me to read money books and he really 148 00:07:21,320 --> 00:07:23,440 Speaker 7: wanted me to understand the value of money. So I'm 149 00:07:23,480 --> 00:07:26,360 Speaker 7: very lucky you know that I had the financial literacy 150 00:07:26,960 --> 00:07:29,239 Speaker 7: early on in my life. But the real turning point 151 00:07:29,400 --> 00:07:32,560 Speaker 7: came for me at university and my lecturers started talking 152 00:07:32,560 --> 00:07:36,160 Speaker 7: about Laurren Buffett and his story, and then he taught 153 00:07:36,240 --> 00:07:39,280 Speaker 7: us about compound interest, and that was the hook for me. 154 00:07:39,440 --> 00:07:41,880 Speaker 7: That was where I wanted to get started. So from 155 00:07:41,960 --> 00:07:45,400 Speaker 7: that day on, I jumped into investing and I have 156 00:07:45,520 --> 00:07:47,840 Speaker 7: ever since. The way I use Chases is I'm on 157 00:07:47,960 --> 00:07:51,400 Speaker 7: one of the auto invest plans and contribute every single week. 158 00:07:51,880 --> 00:07:54,840 Speaker 7: I've been doing that for many many years. I also 159 00:07:54,920 --> 00:07:57,360 Speaker 7: keep a separate pot of money for when starts I'm 160 00:07:57,400 --> 00:08:00,160 Speaker 7: watching take a dip or Each is a type that 161 00:08:00,200 --> 00:08:02,240 Speaker 7: I've set for myself. So it's a mix of long 162 00:08:02,360 --> 00:08:06,720 Speaker 7: term investing and staying prepared for opportunities that come. Cheesy's 163 00:08:06,760 --> 00:08:09,600 Speaker 7: has taught me that investing doesn't actually need to be complicated, 164 00:08:09,920 --> 00:08:13,320 Speaker 7: gave me the confidence, the freedom and accessible platform to 165 00:08:13,440 --> 00:08:16,720 Speaker 7: start investing when I otherwise wouldn't have, and it's helped 166 00:08:16,760 --> 00:08:21,080 Speaker 7: me grow a considerable portfolio and six years and at 167 00:08:21,120 --> 00:08:24,160 Speaker 7: twenty five years old, I'm very lucky to have what 168 00:08:24,240 --> 00:08:24,680 Speaker 7: I have and. 169 00:08:24,720 --> 00:08:26,080 Speaker 8: I have Charsias to thank for that. 170 00:08:26,320 --> 00:08:29,200 Speaker 7: Even being able to invest in crypto now, like, that's crazy. 171 00:08:29,440 --> 00:08:32,000 Speaker 7: It used to I invested in crypto like five years 172 00:08:32,040 --> 00:08:34,199 Speaker 7: ago and I had to, you know, do all these 173 00:08:34,640 --> 00:08:37,640 Speaker 7: separate wallets and go through three different websites to even 174 00:08:37,679 --> 00:08:40,480 Speaker 7: be able to invest. So again, like, being able to 175 00:08:40,559 --> 00:08:43,720 Speaker 7: invest in crypto so easily on cheers E's is actually crazy. 176 00:08:44,320 --> 00:08:44,920 Speaker 8: If I had to. 177 00:08:45,040 --> 00:08:48,160 Speaker 7: Imagine a world without cheers Ease, I don't actually know 178 00:08:48,200 --> 00:08:50,880 Speaker 7: if I ever would have started investing. It's been very 179 00:08:50,920 --> 00:08:53,719 Speaker 7: easy to use and evolved over the years and so 180 00:08:53,960 --> 00:08:58,199 Speaker 7: have ias. So yeah, I don't know, you know, And 181 00:08:58,280 --> 00:09:01,400 Speaker 7: as I've become knowledgeable and I've grown, so hishy is 182 00:09:01,440 --> 00:09:04,680 Speaker 7: ease and it's evolved and it's super exciting everything that's 183 00:09:04,720 --> 00:09:08,000 Speaker 7: coming out. And I think it's so important to be 184 00:09:08,240 --> 00:09:10,960 Speaker 7: knowledgeable and not just invest You need to know why 185 00:09:11,040 --> 00:09:14,240 Speaker 7: you're investing instead of just doing it, because you know, 186 00:09:14,520 --> 00:09:16,319 Speaker 7: at one point I was down so much on this 187 00:09:16,440 --> 00:09:18,559 Speaker 7: one stop. But because I had the knowledge to just 188 00:09:18,679 --> 00:09:22,040 Speaker 7: hold in the potentially what the future would hold for it, 189 00:09:23,440 --> 00:09:26,320 Speaker 7: you know, I've come away with the reward now. So yeah, 190 00:09:26,360 --> 00:09:28,319 Speaker 7: I think that's very important. It's something I've learned this 191 00:09:28,440 --> 00:09:32,000 Speaker 7: year because it's definitely an up and down road investing 192 00:09:32,040 --> 00:09:34,480 Speaker 7: in stocks. But I think, you know, as Warren Buffett says, 193 00:09:34,679 --> 00:09:36,160 Speaker 7: big greedy when others are fearful, and. 194 00:09:36,160 --> 00:09:37,600 Speaker 8: I've definitely learned that this year. 195 00:09:38,120 --> 00:09:39,840 Speaker 7: You know, if I could give any advice to anyone, 196 00:09:39,960 --> 00:09:41,959 Speaker 7: is just you know, start today, because you want to 197 00:09:42,000 --> 00:09:43,599 Speaker 7: start yesterday once you start, you know. 198 00:09:43,880 --> 00:09:51,559 Speaker 1: So yeah, oh thanks Smitha. They were so cool to hear. 199 00:09:51,640 --> 00:09:55,439 Speaker 2: I loved how you know, she really integrated a lot 200 00:09:55,480 --> 00:09:57,599 Speaker 2: of the key things we care about, you know, Like 201 00:09:58,200 --> 00:10:00,520 Speaker 2: I remember when I was in finance. Learning about compounding 202 00:10:00,559 --> 00:10:02,640 Speaker 2: returns is how do we not learn this at school? 203 00:10:02,720 --> 00:10:02,839 Speaker 7: You know? 204 00:10:02,920 --> 00:10:04,560 Speaker 1: And it's so good that she took that knowledge. 205 00:10:05,320 --> 00:10:07,960 Speaker 4: I still still think some of the story out there 206 00:10:08,080 --> 00:10:09,599 Speaker 4: is like it's a bit more complicated than it is 207 00:10:09,679 --> 00:10:12,800 Speaker 4: to invest, but it doesn't need to be and actually 208 00:10:12,920 --> 00:10:15,839 Speaker 4: just putting money in. And I loved the approach that 209 00:10:15,920 --> 00:10:18,520 Speaker 4: she took there. And I was also thinking about how 210 00:10:20,120 --> 00:10:22,480 Speaker 4: valuable it can be because starting at nineteen so young, 211 00:10:24,440 --> 00:10:27,400 Speaker 4: but that shows like the part of the parent there 212 00:10:27,400 --> 00:10:28,960 Speaker 4: as well, how much you can do if you can, 213 00:10:31,160 --> 00:10:33,280 Speaker 4: because sometimes you hear from people that's a bit too 214 00:10:33,360 --> 00:10:35,080 Speaker 4: late for them, which I don't think is true at all, 215 00:10:35,160 --> 00:10:37,280 Speaker 4: and it's certainly not too late for people young people 216 00:10:37,320 --> 00:10:42,920 Speaker 4: around that you can impact and try make help along 217 00:10:43,000 --> 00:10:43,360 Speaker 4: that road. 218 00:10:43,880 --> 00:10:48,280 Speaker 3: I loved that line around knowing why you're investing in stuff, 219 00:10:48,320 --> 00:10:50,240 Speaker 3: because I think that's what trips people are. But it's 220 00:10:50,280 --> 00:10:52,760 Speaker 3: going like have I got the right investments in my 221 00:10:52,880 --> 00:10:55,200 Speaker 3: book folio? It's like you've got to know what you're 222 00:10:55,240 --> 00:10:58,360 Speaker 3: trying to do and drive that. And I thought, just 223 00:10:58,440 --> 00:11:02,640 Speaker 3: some really nice stories which is obvious that you know 224 00:11:02,720 --> 00:11:04,960 Speaker 3: the behaviors we've been trying to put into the platform 225 00:11:05,240 --> 00:11:08,320 Speaker 3: really are kind of becoming behaviors that people are following 226 00:11:08,400 --> 00:11:08,800 Speaker 3: and using. 227 00:11:09,160 --> 00:11:13,800 Speaker 1: Yeah, and you're so right about the impact of the dad. 228 00:11:13,840 --> 00:11:15,439 Speaker 2: There are like the well meaning adult who we have 229 00:11:15,960 --> 00:11:18,920 Speaker 2: eighty thousand kids on. She is ease because some well 230 00:11:19,000 --> 00:11:21,760 Speaker 2: meaning adults set them up. So it's so exciting to 231 00:11:21,760 --> 00:11:23,719 Speaker 2: think about what their future is going to be like 232 00:11:23,840 --> 00:11:26,480 Speaker 2: and how they just have no one ever since you know, 233 00:11:27,640 --> 00:11:29,080 Speaker 2: they've not about money. 234 00:11:29,120 --> 00:11:30,360 Speaker 1: That investing is the thing that's interesting. 235 00:11:30,480 --> 00:11:33,000 Speaker 4: She mentioned crypto as well, you know, because it took 236 00:11:33,080 --> 00:11:36,240 Speaker 4: us a long time. There was the most requested feature 237 00:11:36,280 --> 00:11:38,640 Speaker 4: on the platform for probably the most of the eight 238 00:11:38,760 --> 00:11:43,880 Speaker 4: years actually, and we finally got there to make it available. 239 00:11:44,280 --> 00:11:46,200 Speaker 4: I think us, Meanth and us might have been reading 240 00:11:46,280 --> 00:11:52,000 Speaker 4: some similar books. Definitely shared person to look to with 241 00:11:52,040 --> 00:11:54,920 Speaker 4: Warren Buffett, particularly playing The Long Game. But we've got 242 00:11:54,920 --> 00:11:57,720 Speaker 4: some others where we go yep, good another one. 243 00:11:58,200 --> 00:12:02,800 Speaker 8: I'm so like, Yeah, I obsessively check in on my 244 00:12:03,200 --> 00:12:08,000 Speaker 8: investments and I used that a lot just to do that. 245 00:12:09,600 --> 00:12:13,480 Speaker 8: My name's Robbie. I've been using Chearsy's about just about 246 00:12:13,520 --> 00:12:13,920 Speaker 8: ten years. 247 00:12:14,720 --> 00:12:15,200 Speaker 6: I think the. 248 00:12:15,960 --> 00:12:20,080 Speaker 8: Motivation initially to get into it was from coming into 249 00:12:20,559 --> 00:12:23,199 Speaker 8: a bit of disposable income and knowing that I just 250 00:12:23,280 --> 00:12:26,520 Speaker 8: needed to do something with the money I had coming in. 251 00:12:26,880 --> 00:12:30,760 Speaker 8: That was the start of the long and continued journey. 252 00:12:31,679 --> 00:12:35,760 Speaker 8: Seeing some positive returns early definitely helped. It all looks 253 00:12:35,840 --> 00:12:40,120 Speaker 8: nice obviously, and the green outbarrows and things. It's all 254 00:12:40,280 --> 00:12:44,959 Speaker 8: very reassuring and confirming. I suppose it that you're sort 255 00:12:44,960 --> 00:12:47,560 Speaker 8: of going in the right direction. I would use Chasy's 256 00:12:47,760 --> 00:12:51,880 Speaker 8: for a mixture of buying index funds and also sort 257 00:12:51,920 --> 00:12:56,199 Speaker 8: of experimenting or dipping my toes into buying stocks and 258 00:12:56,280 --> 00:12:59,800 Speaker 8: individual companies that made it easy to experiment with them 259 00:13:00,400 --> 00:13:03,040 Speaker 8: that I felt comfortable with. One of the advantages of 260 00:13:03,160 --> 00:13:06,800 Speaker 8: Cheersys is the access to overseas markets, particularly Australia. Obviously 261 00:13:07,120 --> 00:13:11,599 Speaker 8: Australia and the US, and I do look there just 262 00:13:11,720 --> 00:13:13,839 Speaker 8: because those markets are so much bigger. I bought a 263 00:13:13,880 --> 00:13:15,920 Speaker 8: time a little bit of crypto this year. Actually, I 264 00:13:16,040 --> 00:13:18,120 Speaker 8: thought that was cooled. The ease of access to that 265 00:13:18,679 --> 00:13:22,520 Speaker 8: through Cheesey's is unlike anything else I've seen. So I 266 00:13:22,640 --> 00:13:25,640 Speaker 8: was using cod for car insurance and then I saw 267 00:13:25,760 --> 00:13:30,000 Speaker 8: the sort of ad for the integration I suppose, and 268 00:13:30,120 --> 00:13:33,400 Speaker 8: Cheerze's come through, and I hooked that up and now 269 00:13:33,440 --> 00:13:37,360 Speaker 8: it's all managed through Cheersy's. I suppose I could say 270 00:13:37,440 --> 00:13:43,559 Speaker 8: this year reaffirm some of the lessons that I like 271 00:13:43,640 --> 00:13:46,480 Speaker 8: to think that I have learned over that time. Ultimately, 272 00:13:46,600 --> 00:13:48,320 Speaker 8: my main goal is to just to have a nice 273 00:13:48,360 --> 00:13:51,920 Speaker 8: little nestic that I can one day draw upon to 274 00:13:52,679 --> 00:13:55,559 Speaker 8: buy a house when I want to, or ultimately save 275 00:13:55,600 --> 00:13:59,839 Speaker 8: it for retirement. Just to have essentially accessible funds on 276 00:13:59,840 --> 00:14:03,079 Speaker 8: the side that are invested somewhere where they're going to, 277 00:14:04,480 --> 00:14:07,640 Speaker 8: you know, with a long term vision, ultimately somewhere that 278 00:14:07,679 --> 00:14:10,480 Speaker 8: I'll be able to draw from when I need the 279 00:14:10,559 --> 00:14:18,000 Speaker 8: cash basically big for other investments or just retirement. I think, yeah, 280 00:14:18,000 --> 00:14:21,640 Speaker 8: it's definitely sort of that long term savings kind of mindset. 281 00:14:21,680 --> 00:14:28,160 Speaker 3: I think, how cool well he is, you know again, 282 00:14:28,400 --> 00:14:31,560 Speaker 3: lots of beautiful messages right like investing for the long term. 283 00:14:32,080 --> 00:14:34,440 Speaker 3: He's learning as he's got as he goes, and is 284 00:14:35,840 --> 00:14:37,640 Speaker 3: using more and more of what we're putting out there 285 00:14:37,760 --> 00:14:39,800 Speaker 3: to help him kind of shape it all together. Like 286 00:14:39,920 --> 00:14:43,360 Speaker 3: he's saying that he's using the insurance crypto. He's well 287 00:14:43,400 --> 00:14:46,880 Speaker 3: diversified by the sounds of it. So it's so cool 288 00:14:46,920 --> 00:14:47,800 Speaker 3: to see those stories. 289 00:14:48,400 --> 00:14:51,200 Speaker 4: I feel like no one can say this generation now 290 00:14:51,280 --> 00:14:54,560 Speaker 4: hasn't had a good shake up. But the combinations of 291 00:14:54,640 --> 00:14:57,040 Speaker 4: sort of that market reaction from COVID which was so 292 00:14:57,240 --> 00:15:00,600 Speaker 4: blunt and brutal, and then a very quick recovery, but 293 00:15:00,720 --> 00:15:04,240 Speaker 4: then now into like quite a sustained recession actually, and 294 00:15:04,360 --> 00:15:08,600 Speaker 4: like quite a hard environment. So I think people have 295 00:15:08,760 --> 00:15:10,640 Speaker 4: really learned some lessons in there, and you can hear 296 00:15:10,680 --> 00:15:13,520 Speaker 4: it coming out like just how educated. Like it doesn't 297 00:15:13,560 --> 00:15:14,200 Speaker 4: feel that long ago. 298 00:15:14,240 --> 00:15:15,160 Speaker 3: We wrote a blog. 299 00:15:15,000 --> 00:15:17,480 Speaker 4: Called wtf is an ETF And now you've got people saying, look, 300 00:15:17,520 --> 00:15:19,080 Speaker 4: they have a bit of my money and indexes and 301 00:15:19,200 --> 00:15:20,920 Speaker 4: I do a bit and stops over here. But like 302 00:15:21,080 --> 00:15:23,280 Speaker 4: how that language change. I always think that's a really 303 00:15:23,320 --> 00:15:26,040 Speaker 4: cool thing to reflect on. Animal serve us super well. 304 00:15:26,440 --> 00:15:30,440 Speaker 2: I really enjoyed hearing how Robbie you know, was obviously 305 00:15:30,520 --> 00:15:34,040 Speaker 2: with us really early on, and how he has seen 306 00:15:34,240 --> 00:15:37,280 Speaker 2: Cheersy's evolved for him, you know, and Tim more recently, 307 00:15:37,400 --> 00:15:39,840 Speaker 2: you know, obviously crypto, but he talked about insurance and 308 00:15:39,880 --> 00:15:43,040 Speaker 2: getting his car insurance on Cheerzy's too, So really excited 309 00:15:43,120 --> 00:15:45,240 Speaker 2: to see the future with him too, and what, you know, 310 00:15:45,400 --> 00:15:47,400 Speaker 2: what we continue to evolve, and how he keeps like 311 00:15:47,520 --> 00:15:50,400 Speaker 2: developing and growing wealth in the long term up to that, 312 00:15:50,640 --> 00:15:52,320 Speaker 2: you know, buying the house of retirement. As he talked 313 00:15:52,320 --> 00:15:55,960 Speaker 2: about the other little part of me I was thinking about, 314 00:15:56,000 --> 00:15:57,880 Speaker 2: you know, talked about the integration with COVID, and I 315 00:15:57,960 --> 00:16:00,120 Speaker 2: was like, this guy could be an engineer. And it 316 00:16:00,200 --> 00:16:02,360 Speaker 2: got me thinking about how early next year we want 317 00:16:02,400 --> 00:16:05,160 Speaker 2: to hire a bunch of engineers and actually the best, 318 00:16:05,360 --> 00:16:08,080 Speaker 2: you know, be fantastic if those engineers were customers already. 319 00:16:08,240 --> 00:16:11,200 Speaker 2: So how can we you know, if anyone I'm listening 320 00:16:11,240 --> 00:16:14,360 Speaker 2: who's an engineer and love Cheersa's, we would love you 321 00:16:14,440 --> 00:16:16,000 Speaker 2: to come and join us next year. 322 00:16:16,200 --> 00:16:20,320 Speaker 3: So keep an eye up for that classic a can 323 00:16:20,400 --> 00:16:23,520 Speaker 3: I've met Robbie before, might have she had a plane 324 00:16:23,600 --> 00:16:25,800 Speaker 3: rish June here in Sydney. 325 00:16:27,680 --> 00:16:32,160 Speaker 1: To know he's still a fan. I think we got 326 00:16:32,200 --> 00:16:32,640 Speaker 1: another one. 327 00:16:33,480 --> 00:16:36,360 Speaker 5: I don't have any interest in building up wealth just 328 00:16:36,440 --> 00:16:38,320 Speaker 5: for the sake of wealth. I want to build up 329 00:16:38,360 --> 00:16:40,440 Speaker 5: wealth so that I can live the life that I 330 00:16:40,480 --> 00:16:43,280 Speaker 5: want and support my family and to give back. 331 00:16:44,720 --> 00:16:44,840 Speaker 7: Hi. 332 00:16:45,000 --> 00:16:49,640 Speaker 5: I'm Verysie and I joined Cheersa's way back in twenty seventeen. 333 00:16:50,040 --> 00:16:52,720 Speaker 5: You know, it was running around business and was starting 334 00:16:52,800 --> 00:16:55,000 Speaker 5: to think about kind of the future and what I 335 00:16:55,080 --> 00:16:57,600 Speaker 5: wanted to do to start with, I just dove and 336 00:16:58,040 --> 00:16:59,760 Speaker 5: wanting to try it out and test it out, and 337 00:17:00,120 --> 00:17:02,360 Speaker 5: that was then kind of what started the journey towards 338 00:17:02,440 --> 00:17:04,960 Speaker 5: really learning about, Okay, well, what do I actually want 339 00:17:05,040 --> 00:17:07,479 Speaker 5: out of life. So from the start it's always been 340 00:17:07,560 --> 00:17:13,280 Speaker 5: investing mostly in index funds and ETFs. So set out 341 00:17:13,320 --> 00:17:15,840 Speaker 5: the auto invest really really early on. Because they have 342 00:17:15,880 --> 00:17:19,320 Speaker 5: a business. We take out profit quarterly and so I 343 00:17:19,920 --> 00:17:22,199 Speaker 5: will usually when that comes in, that's when I'll make 344 00:17:22,240 --> 00:17:24,399 Speaker 5: some other decisions about what else might I invest in, 345 00:17:24,560 --> 00:17:26,280 Speaker 5: and like is there something cool that I'm interested in, 346 00:17:26,560 --> 00:17:29,080 Speaker 5: or like, let's put a little bit now towards crypto 347 00:17:29,240 --> 00:17:31,760 Speaker 5: and things like that. But I also I've set up 348 00:17:31,840 --> 00:17:35,200 Speaker 5: kids accounts for both of my daughters. My dream for 349 00:17:35,520 --> 00:17:38,080 Speaker 5: my kids when it comes to investing is not to 350 00:17:38,520 --> 00:17:41,680 Speaker 5: build up some big nest egg that they get to 351 00:17:41,720 --> 00:17:45,080 Speaker 5: tap into and spend. It's actually to really engage them 352 00:17:45,119 --> 00:17:48,000 Speaker 5: with the investing process and help them understand how it 353 00:17:48,119 --> 00:17:52,000 Speaker 5: can help them build a better future and really just 354 00:17:52,359 --> 00:17:54,959 Speaker 5: educate them. And so I love the idea of building 355 00:17:55,000 --> 00:17:57,119 Speaker 5: something up that they can then start to get involved in. 356 00:17:57,560 --> 00:18:01,200 Speaker 5: I have also recently, we've set up a savings account, 357 00:18:01,400 --> 00:18:04,400 Speaker 5: the save account for our emergency fund that we've put 358 00:18:04,440 --> 00:18:07,080 Speaker 5: in there, and I'm really excited to be starting to 359 00:18:07,240 --> 00:18:13,240 Speaker 5: use the invest back spending because I love the idea 360 00:18:13,280 --> 00:18:16,280 Speaker 5: that instead of getting crappy rewards points, I'm actually building 361 00:18:16,359 --> 00:18:19,399 Speaker 5: for my future as well. So yeah, using lots of 362 00:18:19,440 --> 00:18:21,440 Speaker 5: the different pieces of it. At the moment, Yes, I 363 00:18:21,480 --> 00:18:23,840 Speaker 5: want to build wealth for myself and my family, but 364 00:18:23,960 --> 00:18:26,280 Speaker 5: I also want to be in a position where we 365 00:18:26,400 --> 00:18:30,080 Speaker 5: don't have to do things just to make money because 366 00:18:30,080 --> 00:18:32,840 Speaker 5: we've got this wealth coming in in other ways, Like, 367 00:18:32,920 --> 00:18:34,359 Speaker 5: I want to be in a position where I can 368 00:18:34,480 --> 00:18:36,800 Speaker 5: just go Actually, the project that I want to devote 369 00:18:36,840 --> 00:18:40,320 Speaker 5: my time and energy to is something that contributes positively 370 00:18:40,359 --> 00:18:41,280 Speaker 5: in whatever way that is. 371 00:18:41,480 --> 00:18:43,000 Speaker 1: A world without share is ease. 372 00:18:44,119 --> 00:18:47,960 Speaker 5: I suppose would just require a bit more work to 373 00:18:48,119 --> 00:18:51,680 Speaker 5: really get to the goals that I'm after, because it 374 00:18:51,720 --> 00:18:55,160 Speaker 5: wouldn't be this just easy, automated part of my life. 375 00:18:55,600 --> 00:18:58,040 Speaker 5: I'm a mum and business owner who does not have 376 00:18:58,200 --> 00:19:01,359 Speaker 5: that much brain space free, so appreciate it being easy. 377 00:19:02,119 --> 00:19:04,760 Speaker 5: Just like thanks for creating an awesome platform. 378 00:19:04,920 --> 00:19:05,680 Speaker 1: I really love it. 379 00:19:05,840 --> 00:19:08,880 Speaker 5: I've loved being part of it for a really long time. Sure, 380 00:19:08,960 --> 00:19:11,000 Speaker 5: these other platforms out there, but I haven't found another 381 00:19:11,040 --> 00:19:14,720 Speaker 5: one that is as pleasurable to use. 382 00:19:14,800 --> 00:19:18,600 Speaker 4: That's a weird word, but. 383 00:19:18,720 --> 00:19:21,399 Speaker 5: That is as nice to use. And that makes me 384 00:19:21,520 --> 00:19:23,440 Speaker 5: feel like, oh, I can I check my goals without 385 00:19:23,480 --> 00:19:27,400 Speaker 5: this being boring and hard and everything. 386 00:19:27,520 --> 00:19:28,320 Speaker 1: So yeah, thank you. 387 00:19:30,840 --> 00:19:33,399 Speaker 2: I mean, I so hear her on that, you know, 388 00:19:34,400 --> 00:19:37,880 Speaker 2: just automated and easy. You know, there are so many 389 00:19:37,960 --> 00:19:39,320 Speaker 2: things that come out over to us at life and 390 00:19:39,400 --> 00:19:41,920 Speaker 2: she's got young children and run her own business, and 391 00:19:42,240 --> 00:19:44,800 Speaker 2: that is something we really intentionally set out to do, 392 00:19:45,040 --> 00:19:47,960 Speaker 2: is like financial empowerment. It shouldn't be you having to 393 00:19:49,560 --> 00:19:51,719 Speaker 2: you know, do all the my heat to pull all 394 00:19:51,760 --> 00:19:54,800 Speaker 2: your money together. Like that's something that we really want 395 00:19:54,840 --> 00:19:58,840 Speaker 2: to support with and just make developing wealth and access 396 00:19:58,880 --> 00:20:02,440 Speaker 2: to wealth and protecting just as easy as you know, 397 00:20:02,760 --> 00:20:04,680 Speaker 2: online shopping whatever it might be. But you know, like 398 00:20:04,760 --> 00:20:07,359 Speaker 2: I think it's really cool to see that she, you know, 399 00:20:07,440 --> 00:20:08,639 Speaker 2: has that automation set up. 400 00:20:09,240 --> 00:20:10,760 Speaker 4: One of the sayings I love is like, you know, 401 00:20:10,840 --> 00:20:12,840 Speaker 4: you make you make your money with resku, and you 402 00:20:12,920 --> 00:20:14,920 Speaker 4: keep it with diversification, and I think like putting a 403 00:20:14,960 --> 00:20:17,159 Speaker 4: little bit away from from your risky as set for 404 00:20:17,600 --> 00:20:19,159 Speaker 4: and if you're a business owner, that tends to be 405 00:20:19,240 --> 00:20:23,360 Speaker 4: your risky thing, right, and diversifying that a way into 406 00:20:23,400 --> 00:20:26,960 Speaker 4: different things can be really important. And these people tend to, 407 00:20:27,520 --> 00:20:30,959 Speaker 4: by nature have been good at running businesses, also very 408 00:20:31,000 --> 00:20:33,800 Speaker 4: good at running an investment portfolios. You're just dealing with 409 00:20:34,600 --> 00:20:35,439 Speaker 4: businesses and stuff. 410 00:20:35,480 --> 00:20:38,280 Speaker 3: So that was a that was super cool to hear 411 00:20:38,320 --> 00:20:42,199 Speaker 3: that lots resonated. But loved the you know, the view 412 00:20:42,280 --> 00:20:44,560 Speaker 3: of wealth just being about being able to live the 413 00:20:44,600 --> 00:20:47,800 Speaker 3: life she wants to live, and also just that thread 414 00:20:48,040 --> 00:20:53,240 Speaker 3: of wanting to what it meant for kids, and like 415 00:20:53,359 --> 00:20:55,520 Speaker 3: it not just being about the money, but also the 416 00:20:55,640 --> 00:20:59,159 Speaker 3: lessons And I think that's something I mean, I personally 417 00:20:59,240 --> 00:21:01,879 Speaker 3: do a lot of thinking how like I have a 418 00:21:01,920 --> 00:21:04,480 Speaker 3: three year old, and also like my mum taught me 419 00:21:04,600 --> 00:21:06,720 Speaker 3: so much about money and money lessons that have no 420 00:21:06,880 --> 00:21:11,920 Speaker 3: doubt shaped how I've seen money, and you know that 421 00:21:12,040 --> 00:21:14,760 Speaker 3: has been much more powerful than just getting given money. 422 00:21:16,400 --> 00:21:18,840 Speaker 3: But like I love that, and you know, Brooke, you've 423 00:21:18,840 --> 00:21:20,800 Speaker 3: already touched on it about how much you know we're 424 00:21:20,840 --> 00:21:24,399 Speaker 3: really keen to grow into this kids and like helping 425 00:21:24,480 --> 00:21:29,440 Speaker 3: people really feel confident that they are empowering their kids 426 00:21:29,680 --> 00:21:31,320 Speaker 3: because we know, it's top of mind for people. 427 00:21:31,640 --> 00:21:34,240 Speaker 2: I'm excited for the next evolution for her too already 428 00:21:34,280 --> 00:21:37,960 Speaker 2: because we're you know, we're just wrapping up really enhancing 429 00:21:38,080 --> 00:21:41,840 Speaker 2: and enabling businesses and trust her on board them. Cheesys 430 00:21:42,119 --> 00:21:43,639 Speaker 2: is you can just imagine like what we could be 431 00:21:43,680 --> 00:21:45,760 Speaker 2: able to do for the business side of you know, 432 00:21:45,840 --> 00:21:47,840 Speaker 2: she said she's a small business own right, how can 433 00:21:47,880 --> 00:21:49,840 Speaker 2: we support her seeing you know, her shares and the 434 00:21:49,920 --> 00:21:52,000 Speaker 2: value of those and her company to being able to 435 00:21:52,119 --> 00:21:55,479 Speaker 2: manage her business money on Cheesys alongside you know, her 436 00:21:55,520 --> 00:21:58,280 Speaker 2: family and her family with her. It's going to be 437 00:21:58,320 --> 00:22:00,920 Speaker 2: really cool to see how all of those relationships and 438 00:22:01,000 --> 00:22:03,440 Speaker 2: that money comes together. And the words of the year, 439 00:22:03,480 --> 00:22:05,879 Speaker 2: you know was with that which momentum before, but the 440 00:22:05,960 --> 00:22:09,120 Speaker 2: word for next year is all about relational and shared money, 441 00:22:09,280 --> 00:22:11,520 Speaker 2: the ways that we want to enable people to see 442 00:22:11,560 --> 00:22:11,920 Speaker 2: how their. 443 00:22:11,880 --> 00:22:14,840 Speaker 1: Money comes together and have the power of it coming 444 00:22:14,880 --> 00:22:15,320 Speaker 1: together too. 445 00:22:15,400 --> 00:22:18,400 Speaker 2: So whether that be for businesses and all their shareholders 446 00:22:18,400 --> 00:22:20,280 Speaker 2: and directors being able to see where money is flowing, 447 00:22:20,359 --> 00:22:24,320 Speaker 2: and that transparency to trusts and the trustees, to investment 448 00:22:24,400 --> 00:22:29,520 Speaker 2: clubs and fundraising communities and far now accounts and joints. 449 00:22:29,560 --> 00:22:31,320 Speaker 2: Even I know that's a real big request we have. 450 00:22:31,440 --> 00:22:33,600 Speaker 2: People want to be able to see their assets together, 451 00:22:34,680 --> 00:22:37,240 Speaker 2: to kids having better view access to So there's so 452 00:22:37,520 --> 00:22:41,440 Speaker 2: much to come around how people manage their money together, 453 00:22:41,560 --> 00:22:44,920 Speaker 2: how they share the permissions around that, and that is 454 00:22:45,040 --> 00:22:48,720 Speaker 2: going to be massive, I think in terms of people 455 00:22:48,840 --> 00:22:50,280 Speaker 2: really seeing their wealth in one place. 456 00:22:50,920 --> 00:22:51,160 Speaker 5: Cool. 457 00:22:51,520 --> 00:22:56,280 Speaker 4: Thanks so much, Samantha, Verity and Robbie. We love hearing 458 00:22:57,000 --> 00:23:02,320 Speaker 4: different customers at Shareses and Ultimate. We're building this platform together, 459 00:23:02,520 --> 00:23:06,520 Speaker 4: so that was really really cool. We've got another massive 460 00:23:06,600 --> 00:23:08,959 Speaker 4: year ahead next year we've touched on. We're really excited 461 00:23:08,960 --> 00:23:11,960 Speaker 4: about it. We'll enjoy a bit of a summer break, 462 00:23:12,000 --> 00:23:14,320 Speaker 4: we hope you do too, and then we'll all get 463 00:23:14,400 --> 00:23:17,119 Speaker 4: back to it next year and at the ground running now. 464 00:23:17,600 --> 00:23:20,119 Speaker 3: Yeah, thanks for all the support and for supporting us 465 00:23:21,400 --> 00:23:25,160 Speaker 3: with your money, with your time, because it really does 466 00:23:25,440 --> 00:23:29,720 Speaker 3: help us build something so special. And you'll see shares 467 00:23:29,880 --> 00:23:31,879 Speaker 3: Is out and about a lot more in the summer 468 00:23:31,920 --> 00:23:36,360 Speaker 3: months as we've got some new exciting advertising coming. 469 00:23:37,359 --> 00:23:40,000 Speaker 1: Yeah, we've you know, you see three of us here. 470 00:23:40,480 --> 00:23:42,880 Speaker 2: There's six of us that founded Cheersys, but there's two 471 00:23:42,920 --> 00:23:45,639 Speaker 2: hundred and twenty of us and the team, so I 472 00:23:45,760 --> 00:23:47,399 Speaker 2: just want to say a massive thank you teacher them 473 00:23:47,400 --> 00:23:51,000 Speaker 2: who have pulled this Wilthap together this year along with 474 00:23:51,160 --> 00:23:54,200 Speaker 2: really building out the business side of our business. 475 00:23:54,320 --> 00:23:58,400 Speaker 1: Too really excited for twenty twenty six. Cannot wait. 476 00:23:58,600 --> 00:24:00,119 Speaker 2: I do hope each of you have a one to 477 00:24:00,160 --> 00:24:04,760 Speaker 2: fall summer and if you have any requests for us, 478 00:24:04,840 --> 00:24:07,320 Speaker 2: like feature requests or ideas, we love hearing them, so 479 00:24:07,400 --> 00:24:09,719 Speaker 2: please do share them. Make sure that we're fulfilling your 480 00:24:09,720 --> 00:24:12,040 Speaker 2: hopes and aspirations as you develop your worth over your lifetime.