And happy Friday and welcome to the independent investor channel live stream. School is in session. Absolutely Appreciate all the loyal patrons to the message here celebrating this evening the S&P 500 which is The general US stock market large cap Stock market here in the US hit 5,000 for the first time this week Just a small acknowledgement and milestone in in that today fittingly enough on a Friday was reason to acknowledge For all the passive investors out there that have some exposure to the S&P Good on you. I Have become convinced on this project as I've unfolded the project here on the independent investor channel I'm humbled to do this project. I really am I'm very satisfied and happy to be able to talk about personal finance and and really kind of step away from My day and focus in on the topic that I'm passionate about And I am absolutely convinced that your success will be rendered based on the actions of yourself Far and above anything that you will ever be influenced on by others Okay Some ground rules the channel and for the folks that have been with me for quite a long time You know that I don't put up with a whole lot of crap. I Hold people responsible It has become heir apparent to me Not being born into social media Rather indidated by it as a participate to participant in social media. It's how I reach my audience and Try to parse through What I feel like is a topic that escapes a lot of people and building Financial wealth, but I can guarantee there are patrons that are making their way into the live stream tonight That share in the same pedigree that I do in wealth building and and it is those very common themes that we look to extrapolate Cross-check against the renderings I'm always making sure that the strategies work and they work well And they are producing results for people. I find it ironic. However, how The masses out there still cannot resonate with this idea of personal responsibility I e I codify it through the independent investor channel in the live stream and this project as a whole as independent investing There's no doubt. Okay? I'll just tell you up front anything that you hear on this channel Don't do Unless you validate it Now I say that tongue-in-cheek Because I'm invested in Microsoft Now you can take that as a recommendation from Ryan all the way and not know an absolute thing about Microsoft You've never heard of it You don't believe it's a good investment But Ryan is absolutely grabbing you by the ears and dragging you along this road and Making you fall into Microsoft head over heels Even though you are just hell bent against it and you absolutely are buying Microsoft against your will Because for a lot of the assets that I own Amazon. I own a hundred shares of Amazon I'm a frequent user of Amazon. I love their website. I love their platform I love everything they're doing. I love their growth. I love what they're doing Feel the same about Google which had a fantastic quarter Only to digress a bit after announcing the quarter Got it all back today Tech had a huge day today value was actually down today the Dow finished down today over a hundred points and That's just a story of the market now Nvidia continues on its epic runs fun to watch I'm exposed indirectly to Nvidia Proud to say at this point. I don't own any shares of Nvidia. I owned it into earnings I sold it to the day after on the run-up and I'm happy to do so. I'm happy to exit the position I did the exact same thing About Palantir Palantir is a company that I am bullish long-term on but I do not own the stock right here I sold it to just shy of 25 on this latest run-up and make it made a quick thousand bucks and I'm out. I'm good the share positions in ETFs that I do declare fairly often Should give you some insight in what are the themes that I want to convey that I feel like scale to the masses okay, I believe Microsoft and Google and and and Amazon and Home Depot and Cisco systems and a lot of the other great companies that I'm invested in Are great great companies and they work for me. Okay, they work for me in the capacity that I own them No more and no less. They work for me the larger positions that I have in the S&P 500 are those cornerstones that I speak of on the channel in Providing a pretty large piece of armor to what I would Caution the audience to expect and that is at some point in 2024 to have a digression in the stock market Now I don't mean to be a wet towel but for the last three years for the most part and the Really the start of this decade has been horrendous in the stock market. It's been really bad For reasons that in some capacities I can put my thumb on other capacities not so much interest rates certainly and High inflation environment, etc. Those things have influenced the stock market. I came on every Friday and I declared the same I Don't like to patronize people in the stock markets bad. I'll tell you Ironically on the channel. Those are the videos that all surpassed a Thousand views by a lot more on the channel. Why because people It plays into that fear factor when I put my hands on fire and I light my hair on fire and I come on to YouTube because That is the intelligence Attribute that really Sells the masses out there that that's what they need to be paying attention to I was paying attention and openly conveying on the channel that I was buying stock. I bought stock meaning you have to buy stock I was buying I was buying stock Portfolios approaching $600,000 now because because of it was I buying into a vacuum? It felt that way when you buy in terrible markets and Here entering into 2024 from 2020 up until 2024 I can tell you that for the most part this decade has been pretty bad Okay, coming off of the 20% year last year Starting off 2024 pretty good. Okay If you've got such a short memory to not acknowledge how bad 2020 and 2021 and 2022 were And even the first part of last year was horrible Every day the stock market was down. It's terrible, you know with that said Just speaks to how fast The sentiment can shift and for those long-term investors that are long in the market and remain disciplined Yee shall render the fruits of your of your labor and The crazy part about it is this is all of a mental deliberation Owning stock in the stock market is something that a monkey can do it is not hard. Okay if you expect me to come on to YouTube and do a Breakdown of Microsoft to its nth degree and give you its fair market value and why you should or should not own Microsoft I won't do that. Gen X dividend investor has already done that for you. You don't need me to do it You don't need me to screw it up because I'm not even one tenth as good as he is at evaluating stock, right? It's not the niche of my channel. It's not what I'm aimed to put pressure on and that is the very psychology behind the markets Do you need to own Microsoft? Well, there's the deeper question as opposed to should I own Microsoft? Or what are the attributes to sell me on either owning it or not owning it, right? How do we own the stock? How long? Why do we own the stock? Why do we do what we do? Do we have a strategic goal in mind? Nope. I don't have any goal in mind Ryan told me to do this and hell it's working out so far.  Oh Contrary or mo frayer? Oh Contrary my friends I look at and monitor the results that have been rendered over the portfolio at a mere 46 year-old years old and For a lot of you guys you might suggest look you're 20 years old now and you're watching this old Foggy talk about his mere portfolio of 600 and By the time you reach this age at 46 You're gonna have triple that amount No, you're not You're not you don't have the work ethic I do you perhaps don't have one-tenth the Psychological approach to stock market investing that I have I teach upon it every Friday. I give it away. I give it away for free The psychological approach the stock market is significantly more valuable than me coming on and telling you Stocks Alfa Bravo and Charlie to buy Okay, that's gonna lead people astray Because where somebody's gonna buy alpha and succeed with alpha I'm gonna have nine out of ten people buy alpha Piss themselves off of the stock position and then come back angry with me How to own alpha? How to own Bravo? How to look at Charlie and evaluate whether or not it even works for you or why you should even look to own the stock in its entirety or at all Okay, this is not such a difficult game that individuals cannot carve out Their place in the stock market. Okay, and it starts with a very very simple spark of looking inward Or the mirror, let me help you out. Okay, I don't want to get to To analogous on you if that's a if that's a thing look in the mirror ask yourself Do you want to be successful financially in life? Okay, because in life, there's all kinds of different successes out there success with family success with health and well-being health dietary exercise Living a happy life Pursuing a successful career.  This is why sometimes there are there is a very scrutinizing Landscape of people out there that will throw darts at you in the first whim of Dissatisfaction along the financial front why because everybody's got an answer out there The problem with it is the majority if not the vast majority of those solutions on how to Pursue financial wealth will not get you to the promised land. They won't okay Being the smartest person in the room Sometimes does not translate into wealth Always having the right answers Doesn't always translate to wealth. Okay being overly confident in abilities that you do not have Sometimes do not equate to wealth Okay, there is a pedigree and a path to successful mindset That perhaps maybe you hold the keys to some of those attributes, but not all of them Okay, I just made the comment today. Nobody's perfect. I totally agree and nobody's got all the right answers to this Okay, but we do need to pay attention to those people out there that are putting attributes in place To do great things in their life. What does it mean to be great? Does it mean that you come on to the independent investor channel and I'm going to show you how to guarantee yourself a solid seven figures down the line? No, I don't know if you invested in 1980 $10,000 in the S&P 500. It's worth 1.1 million now today with no additional contributions do it Okay, if you just want to retire with some financial success like this lady has done You could do that because she's part of the community. She gets it. It's a friend of mine through the channel Very very proud of the path that this individual has taken on the path to retirement and you know Some might suggest well, I want more I want more I want more and For those people who have dared taken the challenge and looked in the mirror Like this lady some time ago and said I want to end up somewhere in my life Better than where I am now. I don't mind working now. I don't mind putting stuff away now I don't need to spend everything I have now Let's allocate that surplus capital to something better and my friends I don't want to be presumptuous but this very member of the viper community in the grander independent investor channel that she gets it She gets it, right? Are those successes that can be duplicated across the masses? Well, I think it starts with that Individual question. Do you want to pursue or do you not want to pursue? Okay Do a little S&P breakdown in celebration to go to the five thousand here And I'll put that rhetorical question on the side and give you a little bit of time to go grab a drink This is a good time to go and grab yourself a cocktail on the independent investor channel live stream. Certainly We're just talking stock. It's no big deal. Okay. I don't Come on on a suit and tie. I don't need to do that when I talk money It's not gonna contribute to your bottom line. Trust me. Okay The S&P was incepted in 1957 this information is available online if you want to go grab it I'll share it with you because I thought this was pretty cool 1957 the S&P 500 comes online It took 41 years to get to its first 1000 okay 1000 mark and that mark was hit on February 2nd 1998 it took 41 years to go from Let's just call it zero for all intensive purposes and get to the first thousand in the S&P 500 That was just before the turn of the century in 1998 It took 41 years to render that first thousand in the S&P 500 Most of us can remember that it wasn't that long ago For a lot of you guys that are now in there in your 40s guys and gals in their 40s Certainly 1998 is not that long ago just a mere two decades ago. Okay How long did it take to actually hit its first 2000 mark? Okay, if it took 41 years the first time around it must have taken another 41 years, right?  That's not possible. You are correct The next mark was hit on August 26 2014 a mere 16 years after hitting the first thousand the S&P doubled again, okay? 16 years 2014 To make it to three thousand Was on July 10th of 2019 a mere five years ago and five years removed of its first second milestone of 2000 So three thousand points on the S&P 500 2019 that's pretty close to the current Current year of 2024 very cool stuff 4,000 in April 1st of 2021 a mere two years after hitting 3000 and just today February 9th 2024 three years after hitting the 4,000 mark the S&P indeed hit 5,000 and closed there And and had a nice day today on the S&P the question is going forward Is it inevitable with the track record that we're seeing since 1957 albeit Taking a while to get kind of kind of going for itself Where would we expect the S&P to be six thousand seven thousand eight thousand ten thousand on the S&P down the line Is it going to happen? Will it ever happen? Is it inevitable? How long will it take? These are questions that are are interesting to ask, but I'm not a fortune teller. Okay, I Ask a deeper question Were you at all involved in any capacity in any of that growth that I just talked about? Because of students of the financial markets We can look at their performance and a rate of return over that same time period of about 12% per year on average We've had years that were down 20 30 40 percent in a year only to bounce back with a vengeance and provide investors that peace of mind and Understanding that the psychology of financial markets long-term Absolutely stand the test of time and understanding that our application is Significantly simpler than what we make it out to be just a couple of weeks ago. I was watching CNBC and The analyst who I really respect a really good one I don't remember his name. He's a very good analyst was Popping a little fun at the S&P 500 here for its slow start in 2024 Compared to the top end of the market specifically the technology sector that I alluded to at the top of the live stream I get it. I have a little over five thousand dollars in the technology ETF I told you guys and I'm gonna go over the portfolio tonight We are gonna break it down last week We did not have a chance to break down the portfolio because we had Passive income investor on the channel as a guest That was a lot of fun pretty cool change up for me because I've got to be dialed in and in my zone When I do when I fly solo on the live stream But all all the while I think it helps put Some merit behind what we do. I presume there's people out there that are Significantly more successful than me in the stock market. Okay.  I'm happy I'm cautiously optimistic for the future and and I do acknowledge that I wouldn't be where I am Without the power of the stock market ie if I had it to do over again when I go back and not invest hell no This is why I do what I do Because if people can come on and they can catch the message and understand that a lot of this is about Doing the right thing and contributing to your financial future Potentially to avoid and and stay off some pretty heavy regret down the line Then that is absolutely worth it.  There was a pretty good track record there of Accelerated trajectory over the course of that same time period Over the last let's just call it on an average 75 years in tracking S&P performance Pretty cool stuff Now if you're not invested in the stock market now, I think the question becomes not holy moly I get what Ryan's saying I can read between the lines. Thank you very much, Ryan You're the man. All I need to do is on Monday go out rush and fall all over myself to buy the S&P 500 Fantastic, I don't know squat about investing. That's all I need to do In theory it is just as easy as that. Remember what I said a monkey can buy stock. Okay Understanding the totality of why you own it How to massage that position over time how to monitor markets How to monitor it without shitting your pants at every piece of volatility that comes by or every analyst that think that they Know you better than you do on what you need to do with your stock portfolio See the message is different for me Remember how I talked about the $10,000 invested in 1980 is now worth a seven-figure portfolio That's with zero my friends zero Contributions, can we do better? I would charge the group to understand that yes indeed as a group we can buy into this philosophy of Contributing to our financial future every week every two weeks every month Whatever it is that suits your fancy to accelerate that wealth quickly more quickly into the future to allow that compounding growth to To accelerate and to get to that stage in that portfolio growth and development Moving through those those those figures of of hundred thousand and two fifty as quickly as you can Like the SMP. It's gonna take you significantly longer to get to that first ten thousand and that first hundred thousand But I will not patronize. Okay. I'm here to tell you right now Some of you may resonate with this idea some of you may be encouraged by it Some of you may say yeah, right Ryan you're full of shit, but I will tell you Cart Blanche if you do end up looking in the mirror and You actually look in the mirror and you actually charge yourself with the opportunity that is in front of you To invest in the stock market and enjoy some of that SMP performance that I talked about You absolutely can render That that positive performance into your future you can absolutely grab some of that success of Some of these companies right now that represent and make up the SMP 500 and hold on to that and grow with these companies as time goes by Contribute to that growth by the markets when they're down. Don't fear the market when it's down Don't be shook out of markets every time a little volatility kicks up That's not what this game is about the idea here in 2024 on a Friday live stream is to deliberate a round that opportunity for people when people might in all In all different opportunities look in the mirror and say I can't I'm here to tell you you absolutely can I'll be back with you in just a moment I Made the comment many many times on the channel. I thought when I was a young person that I had a mental opportunity to To to make wealth in in my life Do I have net worth of a million? Yes Do I have a portfolio value of a million dollars? No, not yet We're approaching the six hundred thousand dollar mark I'm perfectly happy with that You have to understand in totality and context how I how I treat that when I look at my career I'm at 19 years of my career I'm one year away from retirement eligibility and I'll work 10 bonus years to add on to the pension that I'm due Later on in life When I do end up hanging it up and do a little traveling and do some of the cool things that I want to do with my life And they're very simple now If I had the opportunity to buy a piece of property with some trees and a creek I'm about as simple as that you give the guy water and some rocks and some trees. I'm happy But to answer the question I think is an opportunity for me and Matt Matt's like a brother of mine He's been so steadfast on the channel and I'm in debt to him for his loyalty to the channel I would say this and I've made this comment and I do mean it My end all end all goal of all days. I don't wake up every day and say I Can be a millionaire or I have to do whatever I need to do today to be a millionaire? I just don't think that way I Don't know if it's arrogance. I don't know at this point It's the very deliberation that we go through Mentally to understand our place in the in the world in the universe and here I am teaching to the YouTube audience that'll that'll have me You know, there's nothing keeping you in here. You can leave at any time But I do honestly feel like 20 years ago. I was successful then I feel like now I'm successful now And I feel like 20 years later down the line. Will I have that million million dollars? Yeah, probably Will that define my success over the course of my lifetime? I hope not Yeah, I hope not You know, it's interesting it reminds me of one of my mentors in life. He was a high school teammate of mine I played high school football with joy Paula Malau. He's a Hall of Fame Safety for the Pittsburgh Steelers. Yeah, he's been inducted to the Hall of Fame one of the best plus safeties of all time in my opinion But he's a better person than a football player and that actually says a lot. He was asked the question One time by one of our local newspapers.  Wouldn't you consider that to be at this point? Really the pinnacle of your life and he said, you know, if I ever refer to winning two Football games as being the pinnacle of my life. I would consider myself a failure That's how in-depth this man talked and quite frankly, I loved watching Troy play But it was always watching for three play when he was on the field and I knew Troy personally I always like to enjoy some of the interviews of of him when he was off camera and when he would You know play his Interesting trick. He wasn't docho senko and one of the coolest interviews is with him and to reloans Back in the day, I think it was on the to show and you can actually find it on youtube It's actually really funny But he comes on there and he flips the script on both of them in true Troy fashion And and really just kind of humbles them to really think about it in from a different perspective You're talking about two of the biggest egos in all of football ocho senko and to Love to watch them both of them play But both of them were no short of egos Troy was the opposite of of of having an ego confident in his ability probably. Yeah, it was an nfl He was a pro bowler But but I I share that story to Convey to you guys that and I don't mean to sound cliche But money is not everything Money money's not everything man Um, you know, if I get to a million bucks. I know me I I'm going to continue to grow my program And and I can guarantee you this before I die and exit this life I will look and and and acknowledge I guess a portfolio of x amount That of which I hope is more than enough to take care of the family and the legacy that I leave for my family and my kids so What is it? What does it mean to make a million dollars? Is a million dollars worth just the same now as it was 20 years ago? Of course not Of course not Even in my short lifetime. I mean I remember buying two homes. I paid 140 000 for each of them You can't touch a home in this country for seemingly I look and it's funny I it's just like every house is everybody wants 500 000. I I saw property just this week I looked at they bought it in 2019 for 850 000. They want 1.6 million Everybody wants to double their money What I guess is um kind of scary for me is the fact that there's people out there that are I guess justifying that there will be no more houses available for them And and that somehow paying those exuberant prices are somehow justified. I I I hope it works out for those people I really really do I haven't really seen a whole lot of tail off in the market but To answer your question matt when 1 million I will say this my friend eventually and when it comes to me and everybody's path is different to financial freedom, I guess or financial security into the future Mine is going to be a a road that um, I wouldn't Wish upon a lot of people It hasn't been just a moonshot right to the top It's been hard soed and if you guys knew me and I convey and I put my personality on my sleeve A lot every Friday so you guys can kind of get to know where I'm coming from Um, it has not been easy Yeah, um, I've I've seen schools of thought out there by some of the motivational Speakers and to to to allow young people to buy into this idea that achieving Wealth of that size and magnitude is somehow easy I'm not in that camp I do believe that it takes some attributes that I think some of the younger generation do not possess They can learn and they can understand what it can take to actually get there But they do not have it now They don't That's what it took for me um And I think a lot of expecting to be bestowed upon wealth based on an upbringing as well as a lot of the fallacy In this thing too. Look, I I'm here to tell you at least this is from my perspective I hope you don't get kicked in the face by life If I if I relax just a little bit I feel like I get kicked in the face if I get a little bit lax in a certain category In my life I took one day off at the gym this week and I felt off off Now I was in the gym for the other four days of the week and I challenge you to Ask yourself if you did the same or more or less or none at all. I don't know I would just say that it's probably not worth it very much if you're going to enter into Financial freedom someday and you don't have but a few marbles rolling around upstairs But by god, you've got that millionaire status to to to boast You know, I I think it would be just kind of a last laugh type of an opportunity for me to Exit stage left at some point during this YouTube run. I'm nowhere in it right now. I feel like I'm in my youtube prime right now I'm a raging engine right now. I think it's great. I'm an undiscovered channel I have a phenomenal investment in an undiscovered Company right now and it is on it is on only to be accused of Trying to hype things and and it's it's interesting to me the accusations again. I I do invite every week to To allow opportunity for those folks to come on And open up a dialogue with me On those criticisms And again, I think I declared my record to you guys a couple of weeks ago 876 and 0 for people actually taking me up on that invitation But hey, here's to hoping for the first person that wants to spit venom on social media But narya has the balls to come on and actually talk to me directly Don't worry. I wouldn't want to either I've got my head pretty well screwed on my shoulders. Trust me I don't watch youtube to get recommendations for stock picks I can make up my own mind The the the stories that I share and convey Aren't meant to be misconstrued in so far as the aduro clean technology opportunity Is good for the masses Whereas the s and p 500 Absolutely can be owned by the masses. I'm not going to shy away from that. That's easy easy equity to own VTS a x whatever it is right VTI Those are ETFs that anybody can own You know Palantir is not a stock that everybody should own matt would agree with me on this Um, you know, he he he shared with the group there that um, he's got a nice position in the stock He had good conviction He did his due diligence on the company and it worked out really really well for him And I'm super stoked because if nothing else it proves that in an imperfect stock market Sometimes you do that due diligence and you know Through conviction that you're on the right path Um, and sometimes those stars do aligned and this they aligned in a big way for him and I'm super stoked for him Um, I've I've traded in a in on palantir. I've made money every single time from the low sixes I believe why I just remember palantir just way below 10 Not too long ago and here it was flirting with 25. I think by matt's uh admission We may have a small digression in the stock, but what a fantastic quarter five quarters Of revenue growth, uh quarter over quarter sequentially. I thought it was a barn burner But that's not to be misconstrued that everybody in my audience who will view this all five or 600 patrons Go fall all over themselves to buy palantir that it doesn't work that way Right The idea again is to adhere to a little bit more of a of a philosophy about what's good for you And maybe what's good for you is just a 401k um, we have two through me and my wife and That there's no management that exists there I don't need a financial planner to review my portfolio and tell me everything's on track. I know it's on track It's invested. I'm good I don't need a fluff on the backside I'm good You can get your fluff from the independent investor channel and you can get that fluff for free And i'm a hell of a lot more funnier and a hell of a lot more realistic I've got reality coming out my ears, right? If you want a fake pig, you're gonna have to go to edward jones for that. I'm sorry Perhaps maybe someday I will get the fake plant and the oak desk and just for fun To show you guys how little of a difference it makes and Stock market portfolio of performance in a down market or an up market We just had it so happen to be in an up market. I'm very happy but Timpered approaches to the market non-emotional content is really what i'm looking to portray here I I I typically try to parse out the emotional piece to this When we're talking about people's money in the stock market and what it takes to succeed in the stock market, but Let's jump into the portfolio man and see how things are shaking out. Okay Um, this is the taxable account this actually funded one of the Roths So one of the Roths is actually funded Is 7500 per account one of them has already done it actually came from this account The renderings from Palantir The trade actually came from here I was able to skim off a nice quick thousand dollar pop in the Palantir trade and that and that's been That's gone. My exit was 24 62. I believe So I just felt like the stock had run fairly quick. So those profits went in there. So we've made up almost The 7500 deduction from this account here with a little bit of cash that I had That uh, aduro position in here is fairly small at 2,500 Amazon and google had a great day today. Both of those are in the black I'm happy to to say And AT&T perhaps maybe within the next 10 years will somehow maybe find its way out of this black hole That we've dug for ourselves. So just shy of 60,000 This is the account that got funded. This is Roth IRA one Roth IRA of a self-directed major Uh, disney came back in a very very nice way microsoft having a great great week this week pepsi Disappointing earnings this week. Uh, probably a buy opportunity on pepsi Here it would just be just as inclined to buy the stock on the dip here as any Vo oh, that's the 99 share position that I I talked to you guys just shy of 50,000 there VBK is the small cap growth etf V and q is the real estate etf that I have here in Pfizer procter and gamble Realty income and finally Verizon in this with just a dab of cash in there. The contributions are still there I have not spent the contributions. I don't really want to bypass of high here at all-time market highs And with fidelity now I'm making close to 5% renderings on that idle cash So I'm just as inclined to sit here and and earn my 5% and happy to do so and be patient doing so This is my Roth. This is where the one of the larger positions in aduro clean technologies is this is 19,800 shares of aduro here Still holding the 8,000 shares of highly on which have silently doubled Over the last little short stent. Unfortunately, I've lost my bullish conviction with the shift in direction I still have gaping questions as to how they're going to produce this new product And quite frankly, I I really have lost my conviction in the name Unfortunately, I can't let the stock go because with its current cash position The company even as fumbled as it is Is significantly valued about a third of their cash right now. So To liquidate that position would just be suicide. There's no reason to do that So we're continuing to be patient on that fs EL x is the semiconductor Mutual fund IVV, right? That's your smp 500 Vig is the largest holding in this account And then vpu which is utilities. That's the Roth IRA The ETF portfolios chugging right along. This has been awesome With the technology ETF really leading the way. It's just on fire. I'm up a lot of money in that The other sectors fairly lagging right now. That's just the theme and that's the way it is I typically invest this way so I can own the on fire E sectors And also benefit from any rotation that could inevitably happen and right now we're benefiting from owning one Two could be argued and healthcare started off 2024 quite nicely But we own all of the sectors here as you can see and the portfolio slowly grinds Up into the right really happy owning this in the capacity that I do Just a small $30,000 bill here. Okay The dividend growth is struggling here just because value has really not got any favor In 2024. This has been a real surprise and a drag The performance is very very isolated across the top-end spectrum of microsoft netflix minus tesla, of course amazon google and the almighty nvidia so Um that performance has been really really spearheaded at the top of the s and p 500 across the big technology Companies and we really want to see his interest rates come down further They're being fairly sticky here at four percent as they come down more We would like to see some of that value participate, but From my perspective in this portfolio. I'm very very happy with the Performance just shy of $50,000 of added to some positions I'll share with you guys the top let's say 10 or 20 positions in this portfolio next week On the on the live stream, but you'll just have to stay tuned to get those those renderings because I don't Share this portfolio anymore I think there's enough that I convey through the channel for you to understand take what i'm talking about This isn't made up. This is real down to the dollar reviewed every single week conveyed to you guys For for for just an idea that shows kind of what the renderings can be expected if you put a good program in place This tsp just turned over 100 000 for the first time this week So when I talk about those incentive thresholds This is this is met the 100 000 threshold and the next threshold is 250 000 That's a hell of a jump I think we could realistically do it Seven years you can see there the allocation 75 percent in the smp 500 15 percent in small caps and 10 percent in the international funds Last year with a clip not year-to-date do excuse me. That's a 2023 Performance ratio at 26 percent in the tsp. It doesn't get any better than that. I'll take 26 percent every year And this is my hundred thousand dollar position one of them And the majority of those are tied up in the smp So i'm very very satisfied to report out to you guys the renderings there. This is the small sep I have not added to this nothing too crazy here just over a thousand dollar bill there This is the corporate account just over 28 000 the most majority of this Is tied up in the aduro clean technologies position We're up about 8 000 in that position. So chugging right along I think that's got a real potential to really be a game changer for us. No pun intended It's a 20 29 500 shares there and there And then and then voxster a small token position there Nothing too crazy nothing too material there started to Think that maybe to convey in relation to the total overall portfolio At least the hard savings that I have right now. That's it if you're curious Not every dollar that I have is invested in the stock market. I have different pockets of You know different buckets and this is just one of the buckets that I share with you guys And the total value here $5.58 so we're doing fine I bought a 10 piece chicken mcnugget meal today for my son It was like $10 So at $5.58 we're about $5 away from being able to afford something like that in the future But hey, we're going to continue to do it. We're going to continue to have some fun doing it So that's the portfolio review in a nutshell Very cool. I'm very happy to convey that to you But when I talked about the next incentive thresholds in the smp 500, what's it going to take? What are what are my strategic visions going forward? I'll convey that to you now and then we'll get to some comments here It's a great group. Appreciate the gallery pretty awesome The market usually spurs some really good attention when everything is hunky dory We got kind of lean there for a while when things were terrible That's for sure I'd come into the live stream and there'd be nobody which is fine. I'll still deliver the message all the same Nothing changes with me. Um, I wasn't a millionaire yesterday I probably won't be a millionaire tomorrow, but my attitude was the same yesterday and it's Pretty good now and it will be the same tomorrow As it will be the same in five years and ten years when we do make that million dollar mark and that's my story and i'm sticking to it contributions from the pay a quarter clip 25 to the pay goes to a a tax protected and tax sheltered Thrift savings plan. It's like a roth But it is the roth tsp for you guys that are government employees 25 percent will continue to go to that. I haven't been doing 25 percent all that long I'll be it back to about fall of last year and I want to gather some years of contributions That's about for you guys that are home gamers About 1600 a month just there in contributions so Break it down. You got 15,000 and the roth. I raise times two Right, so, you know just over a thousand dollars a month there plus the 1600 2600 plus the little bit here and there that I find To fund the other smaller accounts. You're talking about about about a three thousand dollar clip per month Uh out of the income and if you guys knew what I made that's pretty aggressive Find it if you can it's one of the pieces of of successful wealth building that I share convey openly and If you can get there, I highly recommend it. It makes all the difference on the end Um, I'm gonna double down on the discipline if you guys haven't noticed the portfolio has taken quite a transition in Yeah, I have a dividend growth portfolio, but there's not my highest position in there is walmart With 1600 dollars I have six positions at the top of that portfolio that are over a thousand dollars the rest of them are below a thousand dollars in each of those positions So looking to grow those strategically and not get over allocated to single stock Um, I want those large contributions to the smp 500 if nothing else i'm convinced at minute 50 I'll give you a secret secret sauce a secret pedigree of investing Something that even a monkey can do That I watch the performance of the smp 500 when it's on and it does nothing but f and make money Straight up it makes money fast where you buy a single stock and you buy the wrong one It can be really really disheartening for many many years of underperformance But the smp 500 I can live with when it goes down I can buy more when it goes down and man alive when it goes up The son of a gun goes up and I tell you what the quicker you can convince yourself of that the better off you will be Okay, I will continue to fund the accounts as disclosed to you guys Around a three thousand dollar clip Um, I will stay diversified in the program. I really like how I've got this Allocation settled if you got a little bit of sense of where my loyalty lies within the three rocks A lot of the money is tax protected. So when we do end up making that 59 years old, which is kind of my target date To kind of reevaluate and see where things are see where the investments are See where the market is. I don't know if the markets are going to be conducive over the next 14 years of continued wealth building and income making. I don't know I presume that they will I hope that they will but there's no guarantee Uh, but we'll see how that that shakes out but to remain diversified on my program I'm very very happy with the the way things are and you guys are getting kind of that Tip of the iceberg perspective from me right now and I I I don't know what else to say man I'm sure as hell not going to apologize because a lot of you guys. I think I would presume this having their life changed now You know, what can I say? You don't have to blame me and blame yourself for changing your own life for the better Hell, I don't I don't care. I don't charge you for the information but the information is there. I'm giving it to you all right Become retirement eligible. This is the interesting one that Ah, it's kind of cool shoot. Um, I feel like I just started my 20 year career I come across you're 19 this july Um, I'll become eligible next year your 20 I plan on working 10 more years after that and and then we'll reevaluate where we are. I feel real good I feel very motivated to do the job and I just so happen to love my career. I love it Absolutely love it I'm in I'm in my element when I'm doing my my career. I love it um Become retirement eligible that'll happen at 20 years and then and then continue to progress on my career As the income goes up. So that's my own personal Conveyance to you about what the plan is going forward here guys So let's get up here and we'll take a look at some of the patrons who have made their way in god bless His stability and strength of the u.s. Dollar Kyle talked about this last week it was kind of cool his comments on that Um, yeah, I think the u.s. Is a cool place to invest Um, I think the financial structure is is worth it. Uh, school's about to start Yeah, I don't know. I'm dealing with a bunch of savvy Savvy patrons the independent investor channel. I don't like to patronize I tell it like it is Um, I try not to be perfect with with my application. As a matter of fact, I quit that a long time ago And steve double of sevens in the house Very cool stuff Appreciate you making your way on That frame of minds in the house big shot out to frame of mind Been with me a long long time for sure and get him some screen time for sure That don't matter each and every one of these people they represent a life somewhere somehow Trying to carve out the answers for them under their households And I just hope in some capacity whether it be small or large The words that I pass through the social media conduit really do hit home with a lot of you guys Especially those loyal patrons to the channel like frame of mind. I'm a debt to you my friend. Thanks for making your way on Are we live from new london, canada kit? No No, tell them to pick my name out of the list. My request is in once you pull some strings for me I'm not one of those guys that pull strings. That's for sure. I just like the system at the work It's way out But I'm I'm patiently waiting to have my name pulled so But funny you mentioned that man was just looking at that this week. I'm in for A lot of stuff this this year. I traveled a lot last year and it's looking like I'll be Traveling at least about half that much this year too. I and then it's just gonna Shore up some obligations here long highly on I think that's probably Prudent at this point amongst very few options Um, yeah, I've written that I've written them off.  Um, so that's where we are and we'll see how that works out for them Yeah, interesting breakdown. You're talking about the smp 500 very cool stuff Phenoms in the house.  Coolest intro on youtube Yeah, that's a good one. I like it. That's why I made it. That's why I share it Gets people's attention. I guess Good stream. This was a good stream. This was fun tonight. Again. I come on here I don't know usually what I'm gonna say, but I've got a few Pillars of ideas Steelers fan. What a great story Yeah, Troy's a stud You remember that interception he made off of joe flacco, right? And you ran it back and put them in the end zone Most people remember that play it was a big one because it put them in the super bowl beaten baltimore And uh, they eventually won that super bowl the funny thing about that is The news release and I don't know if you could find it online the news release. Troy walked up to the stage Um to to have questions answered, right? So he walks up to the podium and he sits there for a second And he looks at everybody Now mind you he is just intercepted a football to put his team into the super bowl This is kind of a big deal and he just looks at everybody and he says well if there's no questions I'm out of here and he gets up and walk partially walks out and everybody laughs You know, he's just like, I'm just kidding. I'm just kidding sits down. That's how he is That's truly how he is man And there's all kinds of interviews like that if you can look for him to search for him You can find some really really cool stuff on joy. He's good good people, man Finding the right stock is second to ensuring you're you contribute consistently to the portfolio every month Um Yeah, uh, that's true. Um You know the the crazy part about it is you know, matt's one of those few guys that shows His capability in in in stock picking right if that's what we want to call it And he's damn good at it and uh, I'm not saying it's impossible Um, I think he would agree that you know, the longer term you try to deploy that philosophy the more degree of Danger or risk that you run in maybe getting it wrong or getting it right for a while and and holding it wrong Into the future, right? There's all kinds of different things That you can do but when you move away from that philosophy, which is only for the few And move into a philosophy of just owning total markets That's a no-brainer You don't need to do due diligence. You don't need to do anything. There's there's nothing in way of stock study That that is necessary to own the broader markets and diversify and dollar cost average those So to separate those in your mind and choose accordingly is is absolutely prudent. Thanks matt All the best to you man. Have a great weekend brother. Thanks for coming on very cool Sonny's in the house man great info always legit and real I am the same fellow away from youtube. No doubt about it Very cool. Ryan got a bump and pay straight into the tsp Fund those accounts fantastic. That's a good way of doing it I looked at my bump and pay and kind of thought about it I did increase it in anticipation of a bump from last year's promotion that I shared with the group and You know, I haven't done it yet. Probably won't I'm just I'm just kind of enjoying things man I had a note here to talk about the debt report tonight of Getting the title on my car the car loan was paid off. I don't I don't have any credit card debt no loans I'm a very very boring fella Is what it is man Daniel left a long comment here, man, and then we'll we'll we'll wrap it up here This evening so I can chill out. It's been a very very busy week for me. This is the year First year. I'm utilizing money market funds as savings. Sure 150 a day 50 a day. Jesus. That's awesome Into it and enjoying the monthly distribution while still adding 500 a month to the Roth Good lord Jesus you do some compounding calculators. I mean that that's really awesome. I applaud those efforts It just shows what's possible with some discipline.  I think we were up Oshamir 16 000 bucks or something in the portfolio. That's nothing to shake a stick out yeah that's the power of of renderings when she get up to A sizable amount. It's very very exciting and it's Makes it that much more important to have that history and that foundation to make sure that you can see the thing through You know for the for for the totality of your program You know how many people can start and end it strong later on in life I say it's the hardest most difficult the easiest most difficult thing you'll ever do To stay true to a program over the course of your life through the ups and the downs the ebbs and the flows The additions and the subtractions man to stay true in your program for the remainder of your life It's it's it's pretty tough man every year on max out the run and every year. I remember that fantastic You demand very good stuff. We will end on that remark man. Good to see you. Jamie. Thanks a lot You get the last comment to the night, but I want to remind everybody Keep this thing in check Keep a a sincere mind about you. Don't get over zealous on these markets I would be a little bit cautious about aggressively funding into these markets Certainly if you had the ability to raise a little cash You're kind of in the driver's seat to do so The green light is on to go ahead and take some profits if you want and some of your single stock positions No reason to do that on passive investments. We want to hold for the long Term no matter what I appreciate you guys Staying with me for the totality of the live stream tonight. This has been the fastest 60 minutes on youtube We'll be back with you next week on the independent investor channel. Be well guys Have a great great rest of your weekend. Cheers


Hey guys, it's MJ, the student's act tree, and we're going to be talking about subject CT2 chapter 6, which is the issue of shares Now we've spoken quite a lot about what shares are, how their equity in a business and how you get dividends Which is a share of the profits What we're going to talk about now is more of the logistics or the mechanics of getting those shares onto a stock exchange And why someone might want to do that So the idea is that I've started my company. We're selling shoes I've got a couple of investors who gave me enough capital to buy the factory to get some Workers in and we're doing very well. We're making shoes. We're selling shoes and the business is growing when what we decide to do is we decide to go and get a quotation on the stock exchange and and what the quotation on the stock exchange means is that we're going to be taking our company from being a privately owned company and we're going to be offering it to the public and The reason why we're going to do this is that it's going to be easier for us to raise extra capital So if I've got an extra 10% of my company that I want to sell Instead of me going and calling up all my friends and saying hey, do you guys want to invest in this? What I'm doing is I'm listing it on a public stock exchange where millions and millions of investors are Looking at these charts and they'll be like. Oh, what is this new shoe factory? That's come up on the market. Let me investigate it Oh, wow, I'll be interested and when it's on the stock exchange Investor doesn't have to cough up the amount for the whole 10% But they can buy a fractional percentages like just a half a percent or a quarter percent They can take very smaller amounts, which means more people can invest in it and it's more likely to raise your capital So by going on to a stock exchange It makes a lot of sense if you want to raise extra capital as it does make it easier for the future issue of capital But now there are two other main benefits of going on the stock exchange The one is that it provides an exit route for your existing shareholders So let's say you had a shareholder He gave you a whole bunch of money to make the shoes and all that type of stuff But he's not that passionate about shoes He did it because he believed in you He saw the profitability and now it's been a couple of years and he wants to realize the return on his investment If you stayed as a private company He'd have to take his let's say as 20% He'd either have to sell his 20% back to you and you might not have the liquidity to do to make that purchase Or he might have to try find another investor and it'll be quite a bit of a hassle But by making it the the company listed on the stock exchange Like I said, there's millions and millions of potential investors who can now each buy a little bit of their 20% On say a daily basis on day one, you know He might sell 10% on day two He might sell the other 5% on day three. He might sell the rest and What it does is it makes this whole shares in his things marketable and Also, he now knows what the value is because he's letting the market decide If he just said, okay, I've got 20% of this company. How much is it worth? He'd have to do his own valuation and all this kind of things by listing on the stock exchange the market will be analyzing this company because their accounts will become public and Very quickly a price will be determined because if you list your stocks too low a lot of people are gonna buy the stocks and That's gonna drive the price up if you put the stocks too high Not enough people are gonna buy and the stocks are gonna have to come down in price So what's nice for the investors is that this provides a way for them to exit and It's an easy way to value what that share is worth Now what normally happens is Let's say my shoe factory has got this extra 20% that it wants to release on the stock market So the investors they're happy. They still want to stay with the company, but I want to just raise this new finance there's another 20% and I want to sell each percent at say a Million dollars. So I want to raise 20 million dollars. I Know that it's gonna be quite difficult for for me to raise all that 20 million and in one go And the last thing I want is for some shares not to be sold So what I do is I go to someone known as an issuing house and they will Underwrite the deal. So in South Africa, we've got a bank such as Investec and what they could do is What you do is you say to Investec or these issuing houses or an investment bank I'm selling all my shares 20 percent at 20 million if you underwrite it That means if not enough people come to buy it You guys will agree to take up the residual. So if we sell 18 percent You guys will complete the transaction by purchasing the other two percent and The issuing house will agree to do this on one condition that you then offer those shares at a significant discount So that if they have to provide the liquidity to complete the share purchase They can then sell it on the market and make profit very quickly and job that is How issues can be arranged by offering for subscription or buy a placing Now what I finally want to talk about are things known as a right issue and a script issue Okay A right issue and a script issue are very different things Okay companies can raise more money from the existing shareholders by offering them a rights issue a Rights issue reduces the share price and increases both the share capital and reserves of the company This is something that you don't really want to do Let's say you we've got our shoe company and we're making shoes and we decide We need money now We don't necessarily have to be on a stock exchange in order to issue a rights issue But you can if you're on it or not the idea is that we go to all our shareholders and we say Listen here guys We need more money So what they're saying is that we need each shareholder or for each percent of shareholder has to please contribute another Another million rent in this way we can raise then another hundred million Shareholders don't necessarily like this because it means that the company isn't making enough money by itself it needs help from a liquidity point of view and shareholders because they are all contributing and Their increase in the company doesn't exist So they if I own ten percent and then there's this rights issue. I pay the rights issue. I still have ten percent The reason why as a shareholder I'll do it is because I think to myself if I don't make this rights issue Then my shareholding is either going to decrease and if no one does it the company's not going to have the money and The factory is going to close down We're not going to sell any more shoes and all my investment that I put in has been lost So it's kind of for an investor. He kind of thinks I've invested so much money in this company already If I give just a little bit more it can keep it going although you can kind of see that there is a dark whole Possibility coming where you put a little bit of money in the company goes down You put in a little bit more money in to try to keep the company afloat and this is when investors sometimes have to make That tough decision of saying no this business isn't a good idea We're not going to invest the rest of the money. We're going to take the loss as it is But let's not in the the talk on such a negative note So let's talk quickly about something called a script issue So a company can use a script issue to increase the number of shares an issue without raising any extra finance a script Issue reduces the share price while keeping the total share capital and reserves unchanged It increases the share capital and reduces the reserves More basically what I'm trying to say is that let's say my shares are trading at 20 20 random share for my share factory. I can then go and issue another or double the amount of shares and reduce the price back down to 10 random and The reason for doing this it doesn't there's no financial Sense to doing it. It's more. This is more where psychology gets involved and behavioral finance takes a play but people tend to like shares trading at a certain price range and Also, it shows a lot of confidence. It says well look our share has risen so much We had to do a script issue in order to artificially reduce the price So what happens from an investor point of view is I might have one One share at 20 round after the script issue. I'll have two shares at 10 round each So I've still got the same amount of shares. Well, no, sir. I've got double the amount of shares But I've still got the same percentage overall and I've still got the same amount of money in the company a Final thing that they might do which does actually add value is something known as a script dividend What happens here is instead of paying Cash in dividends are saying here's a share of the profit the company might say well Here's some more shares. We're gonna be releasing more shares and we're gonna reward the shareholders by giving them more shares Some investors might prefer this because they might say well this company's going places I don't have to reinvest my dividend. I'm gonna get the compounding growth effect on it This is great other shareholders might say no I actually need the liquidity and so it would have been better for me to get a dividend What further complicates this whole process is that various different tax laws could mean different tax benefits For the different types of cash flows You might be taxed more on a cash dividend than a script issue all the other way around so a script dividend and John that is that is chapter six the the issue of shares Feel free to to comment in the comment section below and ask any questions and Stay subscribed as we make some more videos on chapter seven. Thanks guys. Cheers


Bismillahirrahmanirrahim we start with the name of Allah we say we start with the name of Allah in the name of Allah they necessarily exist in the universally merciful the particularly merciful that any time before we start a thing we start with the name of Allah and then we start with two of his overwhelming qualities of mercy that Allah could have had to start with Bismillah Jabbar Bismillah al-Azeez he could have had to start Bismillah al-Muntaqim he could have started he could have had to start with any of his many names al-Muntaqim the Avenger and Jabbar the overpowering but Allah starts has a start with Bismillah ar-Rahmanirrahim the most merciful the universal merciful who gave us our existence and then our particular mercy of the mercy of our faith Allah chose us for our faith Allah chose us to have this faith and not only that he chose us to be among the ummah of his beloved that we didn't ask for this this mercy we didn't ask for the mercy of being of the best ummah the best nations and where does it come from that we're the best of nations where Allah says that you are the best nations that were brought out to mankind for all people that you were made you were made to be the archetypal person of Allah ukhrijatul innaas the model of conduct for the rest of creation but why because we take from the one that broadest this deen sallallahu alayhi wa sallam right ta'muruna bil ma'rufi the ayah continues that you enjoin what is good what is no ma'ruf means what's known you know what's known to be good people know things to be good people know things to be bad you don't need to teach someone that lying is not a good good action you don't need to teach someone that murder is not good right ta'muruna bil ma'rufi what already people know whether they recognize it or not people know that what Islam calls to is good and it's a notification perhaps not teaching but a notification of what this deen came with is good and how do we understood it for what it was for we would know that it was good ta'muruna bil ma'rufi wa tanhauna and then you prohibit what is munkar we translate as what's evil but really munkar means like what you find distasteful we don't need to teach people that alcoholism is distasteful right there's a reason that Allah prohibits what he prohibits and enjoins and commands what he does that this deen is a mercy on to us in that sense and this is why Allah says about his that we have sent you as nothing except as a mercy to all the mankind that what he came it's Allah sent him as a mercy on to us whether we recognize it or not whether we see the few prohibitions that Allah's place is a mercy whether we see them as inconveniences or whether we see them as a mercy doesn't change the fact that this is a mercy from Allah and that this is the month Rabiyan where that called literally the first spring and we're not in spring right now we're in fall but part of the mercy of Allah is that the hijri calendar the count the lunar calendar that we use for these months that Allah has set out doesn't it doesn't match the four seasons right our solar calendar matches the four seasons but this hijri calendar whether it's spring or not whether you see the flowers blooming and whether you see the trees producing fruit and the leaves on the trees whether you see the beautiful green or not that that spring comes and it brings and it's the spring of meanings from the heart it's the spring of love for him so as and it's the spring of love for his Lord and our Lord Azawajal that it's that spring and that love for him saw some is not restricted or conditioned to a particular time it's not conditioned to a single day that that love if it's not there every single day that we haven't reached the perfection of faith where he saw some said to Allah one when I'm ready long came to me said I love you more than everything except myself and that's natural people love themselves right what was his response so long Salam you said that you mean who I had to come had to I couldn't have a lady him a what I did he what what did he when I see a jma'in that none of you believe meaning none of you truly believe none of you have truly perfected your faith until I am more beloved to them than his wallet his son literally but encompasses child any child male or female what he and his father literally but encompasses both the father and the mother and all of your ancestors your grandparents your great-grandparents one nasty a jma'in and all people put together all people put together and this is not from him saw some calling to himself what may I take one in Hawa Allah Azza wa Jalla says about him in Surah Najem one nansmi either how I'm a little less I will come on my go out that loss Allah swears by this that the star as it sets and why does Allah swear by these things because these are significant natural phenomena that the star that we see so far in the distance we don't realize sometimes I will mean we most of us know that these are large celestial bodies right but perhaps if we weren't told that it would be difficult for us to infer that that something that far billions of miles away if not trillions of miles away brings its light to us that how significant is that thing that Allah part of Allah's mercy that he losses see that the beauty and the light of those stars and Allah swears by that one nansmi either how I as it sets ma dalla sahib o kuma ma gawa that you are sahib the person that you grow up with your friend sahib the person that's from your tribe from your from your kind ma dalla sahib o kuma ma gawa that he wasn't misled right nor was he a stray that that's what he's saying about his Habib ﷺ that what he's bringing to us is not from himself and he doesn't speak of his own desire so when he says so I send it none of you truly believe until I am more beloved to him than his child his children his parents and all of creation put together it's because Allah Azza wa-jan commanded him to say so and why does Allah Azza wa-jan commanded to say so because if we don't find that love for him in our hearts Allah son it'd be difficult to find love for the one who sent him Azza wa-jan and if you don't have love for the one who sent him how would we follow the guidance that he sent him with Salah so how would we follow the Quran that he sent us that he sent him with that Quran that we read that's words that indicates pre-eternal meanings that Quran that we flip through the pages and and find you know the words that are in that Quran we find them as guidance where Allah might say wa ma yantikwanil hawatik guide us to the fact that he saw some doesn't speak from his own whim but also that the Quran is understood through the walking Quran Salah Asim or Aisha radiallahu anha was asked about his character saw some about him saw some she said can I call him Quran that his character was the Quran that he is the interpret interpretation of the Quran that there's no way of interpreting the Quran except through how it was interpreted by him in his life so we might find ayat that we find difficult to accept we might find ayat that are not politically correct to say and how do we interpret those ayat how do we interpret or we might find ayat that we should accept we know we should accept and implement in our lives but we find it difficult when Allah says if I come to me in a Salat if I see new would you how come that when you stand up to your prayer wash your face and it might be the dead of winter the dead of night and winter and you don't want to get up for Fajr you don't want to leave that warmth of your blanket and though we intellectually accept those ayat intellectually accept that yes we're supposed to wash our face for wudu but our heart finds it difficult to accept because we put what we want of what Allah Azza wa Jalla wants and what he sent his beloved S.A.W. with then that until we recognize that that love is going to bring us to following him and that following him S.A.W. is going to bring us to the love of Allah where Allah says in kuntum tahibbuna Allah fattabi'uun yakhbibkum Allah yakhbibkum danubakum that says telling him S.A.W. to tell his people oh you oh speaking to him S.A.W. in kuntum tahibbuna Allah tell them if you believe if you love Allah fattabi'uun yakhbibkum we not love Allah if we know that Allah Azza wa Jalla is the one who gave us our existence who gives us our provisions who allows us to breathe who allows our hearts to pump the blood who allows our eyes to blink what blessing is it that our eyes blink that it keeps our eyes moist and keeps them from being becoming irritated what blessing is that we don't we do it subconsciously we don't we don't bring ourselves to blink if we were to think about every single time we blink and we had to do it consciously how difficult would it be but Allah Allah Azza to happen he does it for us had we had to be the ones that pump our own blood with our heart how difficult that be but Allah does it for us wa jubiratin qulubu a'la man a'sana ilayha that hearts are wa jubiratin qulubu a'la man ha'bati man a'sana ilayha o kama qal s.A.W. that that hearts are inclined to those who do ihsan who do excellence you do beauty you do who do good to them hearts love those those entities that do good to them and Allah Azza wa Jalla does that good to us how can we not love him and if we love him we're told to follow him s.A.W. and how can we follow him if we don't love him s.A.W. we love those that we follow right how many people dress a certain way because of their favorite celebrity does how many people walk a certain way speak a certain way because their favorite celebrity does is he not awla bil mutminin is he not awla bil nas is he not more prior to us than a celebrity or even someone even someone that we should look up to like our parents is he does he not take priority over them s.A.W. is he not more prior than them s.A.W. and if he's more prior to we not love him more than we love our more than we love that model of conduct that we've made for ourselves whether it be your parent your sibling your manager at work whatever it may be that you want to be like that person that what is that person compared to him s.A.W. that that is our pride that we are from his s.A.W. and that that pride brings us to humility that Allah chose us with no with absolutely no reason other than the fact that that it was his pure divine will to do so we didn't deserve that faith but Allah gave it to us how can I not bring love for him a soldier and love for his beloved s.A.W. and when that love enters our heart it becomes easy to follow what he asks when Allah says and it's the dead of night and winter and you don't want to get out of bed and it's cold and that blanket is it feels like it's heavier than a boulder when it's coupled with love before the time comes and we'd want to get up whether we feel tired or not we'd want to get up whether it's cold or not we don't feel the cold I say it literally translated English it means like when the beloved hits you it's like eating raisins means like it's sweet sounds strange in English but whether you find it your heart your your ego finds it good or not in a normal circumstance when it's coupled with love you wanted that those that we love you look over what they do what they do to us whether we look over the harm they do to us but if that's the case then what about the ihsan that Allah s.A.W. and his promise to us does for us that when I say that Allah saw him in cheerful s.A.W. he said ya RasulAllah make dua for me right and when and when we hear about the happiness the process should bring happiness to our hearts when we hear about his happiness s.A.W. should bring happiness to our hearts and to our and should bring a smile to our face and we hear about his sadness to bring sadness to our hearts and it should bring a and it should it should bring that sadness to our hearts but not it's not a frown to our face because he s.A.W. was Daimun-a-Hazan Daimun-bishu that he was always had that sadness in his heart but he didn't let manifest in his face so it's not trans it doesn't it's not transitive to others so others still feel happy even when you're sad then when she said Allah s.A.W. make dua for me she said oh Allah forgive Aisha Allah s.A.W for everything that she's done any slip that she may have done prior or forthcoming in secret or in public and she laughed so much Allah s.A.W. had that her head her blessed head Allah s.A.W. fell into the blessed lab the process and I mean she said he said does this make you happy and she said of course it makes me happy why wouldn't it and she said he is so awesome said I make this dua for my ummah and every single prayer that have we made that dua for ourselves that we have that concern over ourselves to the extent that he saw some had for us have we made dua for ourselves to the point that when we stand our feet crack and our tears flow and wet wet wet our faces have we done that for ourselves we have most of us haven't but he saw some did that for us how can we not love that person who's done such ihsan on to us such excellence and to us especially particularly considering the fact that what Allah s.A.W. just says to him what a sofa you'll take a rabbu kafa tarada that your Lord will surely give you what a sofa what last sofa your Lord will surely give you what a sofa you'll take a rabbu kafa tarada your Lord will give you for tarada until you are happy and he saw some will not be happy until we enter jannah some of my people of jannah qawli hada what's the fear of Allah only when I come to salam islaminia come to stop fear and what's the fear of Allah only when I come to salam ism Allah and Alhamdulillah was Salat was Salam Allah Rasulillah wa ala Ali he was Sahbih mawala this Dean it's founded on following him because he is meant to be fallas and because he is the beloved of Allah loving him because Allah loves him and loving Allah because he loves Allah whoever the beloved loves you love them we can't love him salam until we know what he's done for us the ihsan he's done to us if you don't know about the ihsan that the excellence that he's done to us how would our hearts incline at him so this month not particularly this month but every single month every single day though this month it comes as a reminder that we should take the time to learn about his characteristics inwardly and outwardly learn his learn his biography learn what he salam did for us so that our hearts become attached to him and then in turn attached to attached to Allah Azawajal and recognize that our hearts cannot be attached to Allah Azawajal unless our hearts are attached to him so he's the Rasul he's on that brings Allah to you and brings you to Allah brings Allah he brings Allah Azawajal and the message from Allah Azawajal to you and he brings you back to Allah that the Shafa intercession when everyone else will turn you away what would our mothers do for us but on that day our mothers will say nefsi nefsi myself myself our mothers would turn us away other prophets would turn us away he saw some says umma dee umma dee my umma my umma so may Allah makes the people who actualize being of his umma may Allah makes the people who actualize having our faith in him salam in his Lord Azawajal in our Lord Azawajal may Allah makes the people of love and make us people of Rahman make us people of mercy may Allah makes people of mahabba of love may Allah makes people ma'rifah of knowledge may Allah make his people ihsan of excellence may Allah makes the people of iman of faith may Allah makes people of Islam of submission may Allah makes the people who never lose sight of that faith who never lose sight of his beloved Salah Salam may Allah makes the people who never live lose sight of him Azawajal may Allah makes the people whose love only increases may Allah makes the people whose whose last words before we depart is that which brings happiness to him Azawajal happiness is his Habib thousand my Allah's work our last words be la ilahein Allah Muhammadan wait for Allah Salam may Allah make us have appreciation for those who brought him, brought message of him to us, particularly our teachers and our first teachers, our parents, we say, Oh, Allah have mercy on them as they had mercy on us when we were young. May Allah make us people who see no peace except in Him, And may Allah make us people who recognize that Allah and His angels and their benedictions and salutations on him so that we're asked the same You remember Allah, he'll remember you, and he'll remember you, and he'll remember you. Call upon him, he'll answer you. You remember Allah as great as He is, and he'll remember you.