What Can You Do With Cash Flow? Answer: Anything You Want! (That's Why It's So Valuable)

Send us a textSeason 2, Episode #60. Not Me, But You! Podcast. Question: What can you do with cash flow? Answer: Anything you want. That's why it's so valuable! We, in essence, work our entire lives for "cash flow." You have money in your 401K and you want to retire? Your 401K company will likely offer you an annuity. What is an annuity? You hand over a pile of money, they guarantee you a monthly check! See, cash flow! Do you live in the USA and are you waiting to collect Social Security? What is that? A monthly check. See, more cash flow. If you invest in true high yield dividend stocks that pay you weekly/monthly...what is that? See, yet even more cash flow! What if you learn how to sell simple option contracts by pushing buttons on your smart phone? What do cash secured puts/covered calls pay you? That's right, you guessed it...more cash flow!! We will all encounter unfair situations and obstacles in our pathway toward wealth. But we can find solutions to these situations/obstacles and then move past them. We can make money even in a market that is manipulated. Do three things to become wealthy (by simply pushing buttons on your smart phone and using your internet connection):  1) Buy Bitcoin. Don't ever sell it. When it increases in value by 10X, take loan against a small portion of it. 2) Buy/hold true high yield dividend stocks/ETF's/closed end funds.  These investments pay you WEEKLY/MONTHLY cash flow.  3) Sell cash secured puts/covered calls to increase your cash flow. I like MSTY, ULTY, OARK, OXLC, XDTE, QDTE, YMAG, YMAX, YBTC, and QQQI. If you're just starting out with investing, then do NOT start with the Magnificent 7 stocks (Google, Apple, Amazon, Meta, Nvidia, Microsoft, Broadcom). Check out the YouTube channel "Retire and Go." Rinsing/repeating your way to success may get boring. But there is power in repetition. And it won't be boring once you're wealthy and can do whatever you want, whenever you want. Use the FREE website, Stock Analysis dot com, to evaluate stocks/ETF's. Click on the dividend tab (link). Look at the yield, the dividend history, the dividend payout schedule (how often it pays). Build your cash flow pipeline. Poor people buy things, wealthly people buy/hold assets! We can collect dividends each week/month for simply rolling out of bed, and NOT being dead! Nothing is more passive. For long term growth stocks (the next 8 to 10 years) I like Tesla and MSTR. If you use cash flow to buy these stocks, you are getting these shares for FREE! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #59.  Happy July 4th 2025. I pause today and reflect on how fortunate I am to have the people around me who love me. I also celebrate the country in which I live because of the opportunities that exist. Remind yourself: poor people buy things, wealth people buy/hold assets. Whether we all realize and acknowlede this or not, we are all working to get to a point where we have enough cash flow every month so that we no longer need to work. That is called retirement. And retirment is increasingly becoming an elusive thing due to inflation and the increasing cost of basic things in life that we all need. As much as I believe in buying/holding assets, I do NOT aspire to be a work-a-holic. There would be no joy to living for me, if that were the case. And I don't spend much time fretting/worrying over things in life because I have learned that doing that, for me, is a waste of my valuable time. Instead I prefer to focus on managing stressful situations and finding solutions as soon as possible, instead of just worrying about them. Opportunities, in life, are like trains running down a track. Sometimes just waiting and being patient is the best strategy. If you feel like you have missed an opportuny that has "left the station" where you are standing: then just wait for the next train to come. But while you wait, work on accumulating MORE assets. Or know that you have choices in life. You can "go to a different train station" and then wait for the next opportunity train to come down the track. If you keep looking and remain vigilant, a new opportunity WILL come your way. I promise you this is true. So don't be afraid to CHANGE your location. I don't know if you live in the USA where I live, or some other country on the globe. But I hope that you had some time this weekend to rest and rejuventate and to be thankful for the good things in your life. And know that if you do not lose hope, keep accumulating assets, one day you will reach a point where even you will be surprised at HOW MUCH money you have accumualted. That is the idea. That is the end goal. And when you have enough cash flow every month to pay ALL of your bills, then, you have the choice to retire or not. There will always be obstacles in life that stand between you and your goals. There will always be unfair situations. Find ways to move past those obstacles and unfair situations. Success awaits for you on the other side of those obstacles/situations. I review some MSTY ETF scenarios. Real life examples of exactly how much money you can be paid in dividends EACH month. The "Magnificent 7" stocks are all great companies(Apple, Google, Amazon, Nvidia etc.)  But the cost for just one share of stock( $200 to $500 per share)  is very expensive when compared to the cost of one share of MSTY (about $21 per share). Pay attention to the rate of return you earn on your money. It's very, very important. And know your investment goal: growth or cash flow? Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #58. Not Me, But You! Podcast. Investment involves risk. Let's NOT forget that. It's possible for you/me to lose money. So instead of looking for "the perfect investment" that is "100% guaranteed" and has "zero risk", instead focus on MANAGING your risk. That's the best you can hope for. On paper, if your investment "loses money" don't panic. Know that they ONLY time you ACTUALLy lose money is if you are silly enough to sell it at a loss! Successful investing is like riding a roller coaster. You have to EXPECT that there will be ups/downs. You have to hang on and get to the finish line. I talk about HIMS stock and how it recently dropped $20/share! What do you do? First thing NOT to do is panic. Then asses and come up with a plan/strategy of HOW you are going to manage the situation. Then go do the obvious. Go DO IT. Do NOT remain in "research mode." Take some action. Utilize "financial containers" like a Traditional IRA or a Roth IRA to delay or completely avoid paying taxes! Use these containters to your advantage. But don't let the idea of paying taxes STOP you from also investing and making profit inside your regular brokerage account. If you want true freedom, then you need to gain control over your time. How do you do that? By becoming "retired" which is the same as having enough monthly cash flow to MORE than pay for your bills. At that point, you can get up and spend your time each day, as you wish. Total freedom! When evaluating investments: look at the cost (per share), and the ROI. Is it a growth investment or a dividend paying investment? If it pays a dividend, what is the dividend history? But most of all, what is the yield (the ROI, the interest rate you earn on your money)? I touch upon the "Magnifcent 7" stocks. These are GROWTH stocks. They either pay a very crappy dividend or NO dividend at all! Know your investment goal BEFORE you start in investing (are you investing for growth or creating cash flow?) Bitcoin, is hands down, the best performing long term growth asset on the planet. So stack it (even $10 at a time). Do NOT sell it. Wait to become "fabulously wealthy." And then take a loan against a small portion of your Bitcoin stack. Poor people buy focus on buying things. Wealthy people focus on buying/holding assets. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #57. Not Me, But You! Podcast. Thank you for all of the downloads/listens. Bitcoin is the best performing long term growth asset on the planet. Better than any stock. Anyone who invested in Bitcoin and held it for at least 4 years, NEVER lost money! Don't be scared off by Bitcoin's volatile price moves. It is growing with adoption. Find ways, to increase your weekly/monthly cash flow, and use some of your cash flow to buy Bitcoin. Find ways to create income that flows TOWARD you each month, instead of AWAY from you as you pay bill monthly. Wealthy people think about money differently than poor people do. I have wealthy friends who are SELLING off some of their real estate properties and instead, putting their money into Bitcoin. We all want to "save" our money IN Bitcoin. Rather than keep money in a "nice, safe bank account" where the money LOSES purchasing power EVERY year. As a country, we are NO longer on "gold standard." So INFLATION robs us of purchasing power, unless you have your money invested in an asset that OUTPACES the true rate of inflation each year. Disruptive companies actually disrupt entire existing industries. Research Uber and how it affected the taxi cab industry. Research Apple and it's affecdt on the camera/film industry. Look at Microsoft and how it affected how we use home computers. Look at Bitcoin. If you like MSTY, the ETF that pays like a 130% yield per year and pays a MONTHLY dividend, then check out the YouTube channel, "Cooper's Thai Adventure." Another good YouTube channel is "Digital Asset News." The creator is a guy named Rob (not D.A.N.!). I like Rob's DCA strategy he uses with crypto and he puts out good content. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #56. Not Me, But You! Podcast. A quick episode about leadership and President Trump's decision to strike Iran. In life, courageous leadership is rare! Notice I'm NOT saying that you need to agree with the decision Trump made. But I AM pointing out that it takes courage to make tough decisions even when, as a leader, you know that people oppose your decision and you will need to deal with your decision being unpopular with some segment of society. Critics are everywhere. It doesn't take much talent at all to be a critic. And everyone has an opinion, so how valuable are opinions alone? I don't personally care if you agree with Trump or disagree with him. I believe this was a tough decision for him. But this is what courageous leaders do. They take action, KNOWING that their decision will be unpopular. Courageous leaders are RARE in life. And courageous leaders are often willing to do, what no one else will do. They take on personal risk. This is part of the battle of being human. You assess a situation and you make a decision. Some of our decisions will turn out to be wrong/incorrect. That doesn't matter ultimately. What does matter is are you a person of integrity and authenticity. Can you perform as a leader consistently without being impressed by your own title? I pray for peace tonight, all over the world. I get downloads in Iran. I pray for their people, the Middle East, and for people all over the planet. I wish you peace and prosperity and happiness moving forward. Investing involves risk/courage also. So I thought it necessary for me to comment on this world event tonight. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #55. Not Me, But You! Podcast. Thank you for all of the downloads. I cover 12 ETF's in this episode (actually 11 ETF's and 1 closed end fund). Please do your own research and invest knowing this involves risk. You need to accept responsibility for the money that you choose invest and the result of choosing to invest. The List: WDTE, OARK, OXLC, ULTY, MSTY, YMAX, YMAG, QDTE, XDTE, SMCY, TSYY and YBTC. If you used these ETF's for only 2 years, they could accelerate your path toward wealth, presuming the divdiends didn't severely change within that 2 year time period. Utilizing these ETF's are part of an overall strategy to generate weekly/monthly cash flow. Then the dividend money (the cash) is rotated into LESS risky investments, but also into additional shares of the original investment. I aslo invest (save) a portion of the dividends in Bitcoin. Bitcoin is the best performing long term growth asset on the planet. Better than any stock. And anyone who bought/held Bitcoin for at least 4 years, NEVER lost money! Remember: when you are using dividend money to buy additional shares of the original investment, you are getting those shares for FREE! This lowers your overall cost per share and reduces your risk over time. You can also buy/hold these ETF's INSIDE or your Traditional IRA or your Roth IRA. And you can, of course, also buy/hold them inside your regular brokerage account. Inside of your Traditional IRA, the gains/profits/dividends grow TAX DEFERRED. Inside of the Roth IRA, the gains/profits/dividends grow TAX FREE! Remember that you have to OUTPACE the true rate of inflation. That's your main goal as in investor. Earning just 3% or 4% per year in some random investments, will NOT accomplish this. You will be losing "purchasing power" on your money invested at 3% or 4% returns per year. Do you know who Ronald Wayne is? He was an orginal investor in Apple. He sold TOO EARLY. If he still held his shares of Apple stock today, they would be workth Billions and Billions of dollars! He had a 10% stake in the company. But this happens routinely with early investors. Unfortunately, it is very common because people "panic sell" too early due to anxiety, or doubt or any combination of life events/emotions. Be an "early investor" with Bitcoin. Buy it and hold it and don't sell it! IF you do this, 10 years from now, you will be very happy and very wealthy. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #54 Not Me, But You! Podcast. "If you believe it will work, you see opportunities. If you believe it will NOT work, you will see obstacles." Complete your research and then get started! You have to take action in order to achieve your goals. Do these 3 basic things to get wealthy: 1) Buy/hold Bitcoin. "Save your money in Bitcoin." 2) Buy/hold assets like true high yield ETF's/dividend stocks/closed end funds (Like MSTY or OARK or ULTY etc). 3) Learn to sell simple options contracts (cash secured puts or covered calls). Your Traditional IRA is place you can roll your 401K or 403B money into FROM your previous employer, after you have severed employement. Rolling money from your 401K to a Traditional IRA is a NON taxable event(you don't want to personally take possession of the money- instead you want to transfer the money from one institution to a different institution). That way, once the money is in your Traditional IRA, you can control it and invest it in many more things than you can, if you leave the money in an account with your previous employer. Money/cash/profit accumluates TAX DEFERRED (meaning you pay tax eventually- when you withdraw from this account)  inside of Tradition IRA. With a ROTH IRA, the money/cash/profit accumualtes TAX FREE( as in zero tax). But you need to meet 2 conditions to withdraw the money TAX FREE: 1) Be age 59 1/2 or older. 2) Have had the account open for at least 5 years. What is a feature of both IRA accounts, is that gains (profit) can accumulate tax deferred in a traditinoal IRA and can accumualte TAX FREE inside of a Roth IRA. You can also sell simple option contracts INSIDE of an IRA account. You can also buy/hold dividend stocks INSIDE of an IRA and the dividends accumualte either tax deferred (traditional IRA) or tax free (Roth IRA). IRA accounts are a financial tool, you can use, to help accumulate wealth without paying/owing taxes along the way. I'm not a huge fan of leaving money in a 401k/403B account after you no longer work for that employer. The main reason? Your investments choices are limited inside a 401K/403B. The things that you can invest in, inside of the 401K/403B are pre-selected choices for you. If you roll the money from a 401K to a traditional IRA, you then have many more investment choices and you control the money rather than have a financial custodian holding your money for you at the 401 financial custodian company. When you reach a certain age (something like age 70 or 72) you are required to do RMD's (required minimum distributions) from your Traditional IRA. There are NO RMD"s for a Roth IRA. You can simply withdraw money whenever you choose to from a Roth IRA, after you are retired (or after you are at least age 59 1/2 AND you have had your Roth IRA open for at least 5 years). You can also do a Roth CONVERSION: which is moving assets from your Traditional IRA and transferring those assets into your Roth IRA. You can do this once per year and you will pay a one time tax in order to do this conversion. I suggest moving PART of your assets, multiple years in row as you do Roth conversions. You are permitted to have MULTIPLE Traditional IRA's and MULTIPLE Roth IRA's. But you need to stay within the yearly contribution limits. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #53. Not Me, But You! Podcast. MSTY is a very high yield ETF that is newly availalbe in Europe! It has been available previously in the USA. This is ONE financial tool that you can have/use in your "financial tool box." MSTY as a "monthly cash flow" investments is NOT for everyone. But if you're willing to tolerate high risk, the rewards are also high. Annual yield 135%! Cost for ONE share $20 to $25 per share. Follow "British Hodl" YouTube channel if you want to learn more about Bitcoin. But Bitcoin does NOT pay you cash flow. That's why we need ETF's like MSTY that DO pay us monthly! I do most of my stock trades just after 7am, EST and I use the Charles Schwab platform! Love the user interface and I love their customer service. Currently, there is NO pay wall, NO Patreon monthly memberships, and I do NOT sell tiered memberships to access "the really important information." I share all of the informaition with you "FOR FREE" on this podcast!!! The real question you need to ask yourself about MSTY is: Do you think the share price will go to zero in the next 15 months? It is June 2025 at the time of this podcast recording. I do NOT think it's going to zero in the next 15 months, which is my break even point in the future. In general, do these 3 things: 1) Buy/hold Bitcoin. 2)buy/hold true high yield dividend stocks/ETF's (like MSTY)/closed end funds. 3) Learn to sell simple option contracts for cash flow (cash secured puts and covered calls). Regarding MSTY dividend monthly money: Do these 5 things: 1) $250 into Bitcoin. 2) $250 into QQQI. 3) $200 toward a full share of the growth stock MSTR. 4) $50 into the ETF ULTY.  5) $250 into additional shares of MSTY each month. This plan is just ONE of many possible plans. You could also use some of your monthly MSTY dividend money to pay off credit cards or to pay your car loan off sooner. IF you don't like MSTY, then WHAT do you like, that also pays a yield of 135% per year??!! MSTY ACTUALLY pays every 4 weeks, NOT just monthly. That means, that some months you get TWO dividend payments! And if you are investing dividend money (FREE money) into additional shares of MSTY, then you are LOWERING your average cost per share! Strive for persistence, NOT perfection. Be willing to be bad at something new you are trying for the first time. You will get better over time with continued practice. Don't give up! Have 3 types of accounts at your brokerage: 1) regular account with margin. 2) Traditional IRA. 3) Roth IRA. The best performing growth asset on the planet, is NOT a stock. It's Bitcoin. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode # 52. Not Me, But You! Podcast.  What to do with your MSTY dividend money each month? In this episode I talk about possible choices. MSTY is an extremely high yield and high risk ETF that uses a covered call strategy to get a annual yield of 135%. I'm not interested in debating "share price erosion", "NAV erosion", "dividend decay." I only care about ONE thing when it comes to MSTY...that's what is the monthly dividend? MSTY is "CASH MACHINE." It's designed to do one thing...GIVE YOU MONTHLY CASH FLOW. There is NO other reason to invest in this. But it will benefit you to have a solid plan of WHAT to do with the dividend money you receive each month. If you invest approximately $15,000 that will buy you approximately 700 shares of MSTY. The cost per share, in June 2025 is $21 PER SHARE. This isn't Microsoft, or Home Depot, or Amazon, or Google, or Nvidia. It is NOT designed to be like those investments. And MSTY isn't $300 to $500 PER share to buy, like some "blue chip" growth stocks would cost you. MSTY is ONE financial tool you COULD use to help build wealth. With your $1,000 per month in dividends from MSTY, I suggest 5 things: 1) $250/month into Bitcoin. 2) $250/month into QQQI, 3) $200 toward buying full shares of MSTR. 4) $50 per month into ULTY. 5) $250 per month into buying MORE shares of MSTY. In the example above, you would only need MSTY to pay you at least $1/share for 15 months in order to break even! That's less than 2 years to get ALL of your original $15,000 back! Simply incredible. I am NOT suggesting you will hold shares of MSTY for the next 10 years! You could pivot ALL of the money out of MSTY AFTER 15 months of getting at least $1,000 per month for 15 months! This example is just ONE possible plan. There are other plans with other allocations into other investments that would work well too. I belive the stock MSTR will be $2,000/share within 10 years. I buy/hold this stock for long term growth. QQQI has NO share price erosion, NO NAV erosion, NO dividend decay. Pays over 14% annual yield. Only $51 per share. ULTY has an even HIGHER annual yield than MSTY at 145% per year. ULTY only costs $6 to $7 per share! Perhaps you want to use your $1,000 per month in dividend payments from MSTY to pay off credit cards. Or perhaps you want to pay off a car loan. Or perhaps you want to make extra payments on your mortage. Doing any ONE of these things will help improve your life. Do you want to become wealthy? Well you first have to learn to live on budget and invest like crazy and cut your expenses. But you don't need to live this way forever. Just long enough to POSITION yourself for wealth. Use Charles Schwab to buy/hold/sell stocks. They are my personal favorite stock trading platform. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #51 Not Me, But You! Podcast. Highlighting Warren Buffet's quote: If you don't find a way to make money while you sleep, you will work until the day you die! What does "making money in your sleep" look like? 1) Buy/hold Bitcoin. 2) Invest in TRUE high yield ETF's/dividend stocks/closed end funds.  3) Sell simple option contracts: cash secured puts and covered calls (options wheel strategy).  Why do these 3 things??  Two of the three will bring you CASH FLOW monthly. Most people, in life, who have "money problems" have a "cash flow problem." Increase your cash flow, watch your weekly/monthly budget and save "in Bitcoin" and invest. Create your own "stream of income." You can sell items online. Both physical products and digital products. You can sell memberships. There are SEVERAL ways for you to make money "with your internet connection." The "petro dollar" is in decline. What will eventually replace it? Probably Bitcoin which is the most fair money on the planet. Due to it's fixed supply, the value of it cannot be diluted by "money printing." Things may be priced in Bitcoin one day in our lifetimes. Many investors are waiting for the Fed Reserve to begin cutting interest rates this year in 2025. When this happens, the stock market and Bitcoin usually start to go up! What can you do with cash flow? Answer: Anything you want! That's why focussing on building cash flow is a fast track to becoming extremely wealthy. Have a brokerage account like at a platform like Charles Schwab. Have 3 types of accounts: regular brokerage with access to margin, traditional IRA, and Roth IRA. After you reach age 59 1/2 AND you have had your Roth IRA open for at least 5 years... you can withdraw ALL of the money and pay ZERO TAX! Buy MSTY inside your Roth. Buy MSTY inside your traditional IRA. Buy MSTY inside of your regular brokerage account. This is NOT Home Depot. This is NOT Microsoft. So stop expecting it to be LIKE those stocks. This ETF is for ONE reason...to give you monthly cash flow. Then take the dividend money and do something else with it! Make your life better! Wealthy people buy/hold assets and by doing that they can BENEFIT from inflation. Make it your goal to first invest $21,000 into MSTY. Get 875 shares. Then make your next goal to get $100,000 invested into MSTY. Get 4,166 shares. MSTY pays an ANNUAL dividend of $28 to $30 PER SHARE! Do simple math on your calculator on your phone and figure out how much money you can make IN DIVIDENDS every month. You can make a "Full Time" income with MSTY. Will it last forever? Probably not but use it NOW to help make yourself wealthy! Learn to simply push buttons your phone and become rich. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.