Okay people suck retail investors for the most part suck because They do not have the patience enough to adhere to a long-term program The long-term passive program is one that is the easiest to adhere to and it's the one that I believe that most people should practice in It's going to give you the best chance of actually building good wealth over the the long term Look at it from from my perspective when I look at people and their ability to build wealth A lot of people do it through the confines of a 401k 403b and they don't spend a lot of time manifesting over that At all right they go to work They're trying to earn a living try to put a little bit away for their financial future and they're successful in doing so for a couple of reasons 401k for some reason seems to be a little bit more disconnected from some of our individual accounts that were Wanting a massage every day and we're wanting to wish to the moon And maybe if we watch YouTube enough that we're gonna actually make sure that we can lift this We can actually lift it like Yoda and lift your portfolio, right? You can just lift it. Mm-hmm Like the Millennium Falcon That just doesn't work that way man time cures all wounds and in the acute we look at this stuff And it's like man, why are we even doing this doesn't make any sense What makes sense and what will make sense and all chronicle all this at some point when the time is more conducive to do so Is the is the very dollar-cost averaging that I've been engaged in I'm gonna bring Kyle on with passive income investor. We're gonna kind of team up tonight and and discuss some of the Our ideas about some of the learnings that have gone on I've always suggested through the course of the independent investor channel that some of the downturns that we you know Subject our money to can be some of the best learnings that we can ever go through I can't manufacture that for you guys. All right, unless you're paying the plane with paper trades You know, you're not gonna understand the full impact of watching your real hard dollars take a digression But you do understand the real the real payback I think for an investor those that stick true are the ones that on the back end see the recovery and See what it means to have recovered and I'll tell you what? I've talked to more people in this life who have actually succumbed to the volatility and just sold sold out They've exited stage left and they have failed to find that recovery on the back end The very few people and the people who do exit stage left you hardly ever hear from them You know, it's it's a sense of embarrassment a little bit in that they've been able to seek a little bit of Appreciation in the stock market and anybody can be an investor when the markets are appreciating in value, right? It's it's it's it's easy, but there are two sides to the coin and unfortunately for the exacerbated sell-off It's a lot harder to deal with because people start to Rationalize in their mind what they're missing out on what you know why they can't do this or or they forget why they initially did it or they forget their long-term Goals and they start to surrender those long-term goals for the sake of a short-term relief And that's really what it comes down to and and and I've always suggested look retail investors really need to Keep their opportunity in a box I think I used the term I was talking to Kyle backstage and I was talking about just not getting it over your skis and And I can come on to a social media audience and I'm not perfect I was talking to Bob actually about an hour ago He came into the studio and was talking to me about you know investors and and what what folks know and what they don't know I'm of the mindset that the markets even experts who do financial markets every single day Struggle to figure this beast out right so retail investors come into the eye, too And they're like well how the hell can I expect to win at this deal, right? And the idea is to corral the markets using those tried and true fundamentals of diversification If you're going to try to pick Pick and pick your winners and try to go stock market investing you can make a lot of money You can't it can be lucrative all right and But you have to understand the game that you're getting involved with and I just think a lot of people need to give themselves a lot of years Of of coaching they need to give themselves a lot of experience in the markets and understanding The fluctuations that your money can be succumbed to by being introduced to financial markets And you know, I think sometimes people get a little taste of success in the market and then it's like well hell This is easy. This is fantastic. I'm gonna quit my day job. I'm in I'm the best thing that's ever happened to the markets And it's like no, you're not you're getting caught up just like All the other thousands that have come before you who think that you've got the stock market figured out And I don't think that's the name of the game. I don't think that figuring out the stock market is the game It is a life study. It's one of those things that You know, I was talking about the the the tolerance to markets and the patience that it takes to actually make it I'm engaged in a trade right now that is Requiring exceptional patients. I'm not a patient person But I explained it in a way to suggest that the patients necessary to make it and stock market investing Is absolutely something that I absolutely know is the critical component to it I look at this market over the last 18 months and there's no one specific time where I could say boom I could I could have guessed that right. No way. There's been too many gap ups in the morning There's been too many gap downs in the morning We come into an exacerbated sell-off like we had today in the markets Monday. I'll open it'll gap up four or five hundred points There's no way Anybody out there can come and talk to me and say look Ryan. This was an easy thing to call the bottom It was an easy thing to call the top. It's never easy It's very very difficult and just because maybe you got some luck in Hitting that top on a cell within the couple of percentage points Or conversely you caught it on the bottom side by you know Maybe calling a bottom and into the markets and you were able to hit that within a couple percent Don't think that that's something that you're going to be able to string together as a as a lifelong Habit-forming I win in the stock market and I never lose in that type of mentality will shock you a little bit All right Tonight I want to do something special for you guys, but before we do I just want to welcome everybody to the live stream here Again, I've got a special guest tonight Kyle's a good friend of the channel always has been always will be he's going to come on We're going to talk some talk and really try to put Some context around what it is you can do what we have done And what we fear a lot of people did do over the last couple of years It's going to be a candid discussion And you will benefit for it guys stick around guys and be back with you in just a moment So context and perspective when we're talking about market investing here Uh, well chronicle the portfolios. I haven't done it for a while.  He's actually got some energy tonight. Um, he's usually a very low energy guy But tonight he's firing away. Hopefully we can get him to do his intro That'll fire me up and when i'm fired up, uh, you're in for a riveting show But um, you're gonna see here how these portfolios are what they are and they've been subject to volatility And that's really the key takeaway in keeping uh a perspective On your optics when you're looking at the the power of markets and i'm more intrigued on where things are going to go Not necessarily where they have been or what they're doing now I'm very, uh, excited google. Um, that took care of its, uh, 24 one split this uh this week So that was nice to see um, and we were able to plus up there I look at google as being a long-term winner over the next five to 10 years Um, it's something that i've always monitored. I love the company cash flowing I think they're going to be at the forefront of some of the technological advancements that um, Are going to turn out here few specific areas that i'm looking at here Especially in artificial intelligence. Um, our transportation system specifically, which you guys know I've got some heavy bets in as well But just to cover the portfolios we are up across the board week over week here took about a 20 000 swing Just this week all for doing nothing. Uh, I did not panic I did not sell I stayed the course and uh, right wrong or indifferent. That's what I do It's what I think is probably the most prudent for all investors out there. Um, here's roth one Approaching back to that six-figure mark. I mean we we dipped below it It was kind of a kind of a a shot a little bit, you know to hit that six-figure mark and then digress a bit But no changes at all. That's the real key here over the last Uh 18 months the story has been hunkered down. There's no doubt. I have not done any liquidation Uh to to speak of I have funded markets That's been the only discipline that I have deployed with uh some frequency and I'll show you where that's really come to fruition These roth IRAs are hard to sneak money into but Here this is mine 83 000 We we expect to live to fight another day on these and and we'll monitor these going forward But these m1 passive portfolios these have been really the takeaway for me. These are Within short year three short years old and um the performance of these have been fabulous I've started these accounts both 1500 each respectively. I'll get to the dividend growth I share these I've had a few people hit me up in private. You can be in me at my ryan.independent investor at gmail.com and I will send you the entire portfolio It's got 97 holdings or I can send you this this is available on all my videos You can kick in there, but 21,332. I've done nothing in this no selling no nothing just funding. That's it No selling no no no stressing no nothing no No losing sleep over this just funding it over time and this this is the dividend portfolio. This actually has 97 holdings I had to liquidate a couple of holdings. I did take some profit in oil Within this slice of the portfolio and it was a it was a perfect time to liquidate some oil when I did Because it's rolled off a bit 33 888 will continue to to track that progress great way of investing This is a new addition this year with the bond portfolio It's stabilizing the bond market has really been an untold story of the last couple years Going down probably to a 30 year low Just this year. It was a bond crash like no tomorrow And then we've got the 401k, which is the tsp for me. This is held in quite nicely And this can be indicative of what can transcend the masses in their application and what the majority of investors out there have I do nothing to this. I just invest in this and I watch it grow over time This is the vanguard's growth etf in robin hood I don't monitor this very often. This is an etf that i'm going to look to embolden Over time and then the mid caps with weeble here with vo That is up as well. This is a swiss f. This is a secure private data This is about a 12 000 share block in this And we're going to monitor this but the portfolio, you know, over the last six months of chronicle disc 461 489 probably a little higher than that But it was a rudimentary figure that I wanted to kind of To kind of take home for you guys I mean after all of the last 12 months volatility up down across the board people The markets really turned around real estate is really showing some cracks. I think kyle will share some of that Those insights from the canadian perspective. He released some content This week that was really really good on that front and and we seem to think that there's Something systemic going on here, but in retrospect, you know, was it worth it to try to play in and out of this market? Is there really a difference for me between 500 000 and 461 489, you know might have bottomed around 440 You know for a large portfolio like this the very reason that I can subject my My own psyche I think to to volatile markets Is because I built this wealth and I've gone through every dollar of appreciation in this portfolio And I look to share that perspective with you guys and understanding if you don't go through that deliberation You have very little chance of really understanding what the power of the market is not only to the upside But also to the downside. So without further ado, I'm going to review the gallery I'm going to bring my good friend on kyle with passive income He's going to be with me for the remainder of the stream looking to have a great time with you guys and engage and Involve you guys in a kyle. Good evening to you my friend. How are you? Yeah, I appreciate it brother. I'm living the dream watching trillions get wiped out reality Kids in your nfts basement all the million has gone, baby. They all have diamonds aren't forever in this game I you know, that's for sure The crypto market the crypto markets really rolling off. That's one thing I skipped right over And and that was probably one of the things I have admitted to people that I probably was one of those that got caught up a little bit in the in the euphoria and I'm not going to blame myself. I'm always looking to be opportunistic in markets, you know But yeah, I think there was a sense of that. I think there was a sense that whatever you invested in You were going to make money in and a lot of people got caught up in that I think a lot of people got caught up And way too over levered to to the market. Um, what's your thoughts on that?  The problem is their businesses. They're segregated from regulation I think obviously gaming is going to be the first probably multi billion if not trillion dollar marketplace for Proving out the crypto space because obviously anything to do finance related when you're talking about, you know, actual doing deals You know, um, just structured payment systems globally through a blockchain is a little ways out until regulation kicks in But gaming off in the next year or two, man, and you got to keep an eye on those nfts and those coins Someone was saying, oh well, like why would you use coins like crypto in a game?  It's coming. But honestly, most people shouldn't touch it with a handful Look at boy, man. How does your trading platform go under?  Yeah, that's crazy, man Yeah, for sure Yeah I don't know I me and you me and you and a few others. We seem to be doing doing just fine We've taken some retraction in the portfolio I don't mind talking about it over social media It really speaks to the portfolio, which I don't typically focus a whole lot on It's the tip of the iceberg the the plan and the program is is more of what I typically focus on and I've been funding pretty heavily through this downturn. I've been funding I mean down to an amount where people look at that and say, man, you got a pretty big portfolio, right? And you must be doing thousands and thousands of dollars at a time No 125 I just I just stopped that actually to the small portfolios and I continue to do my my yearly contributions to the Roth's and and and we'll see It'll be interesting to see what the back side Of this look likes if we're inevitably going to get there at some point. I don't know I don't know how prolonged this is going to do because real estate's really showing those cracks And that was one of the systemic things that I be remarked over the last 18 months or so of identifying this roll-off It's not going to be good for financial markets. So now I'm probably going to give it another six or 12 months after this earnings period And probably this earnings next earnings once everything kind of rolls over like I'm going to get a lot more aggressive into the tech side I've obviously been talking about rolling into some of the long-term indexes. They're just stabilizing like via BYM has been a good stabilizer But I mean the problem is that you're getting that domino effect, you know In trillions of dollars online from crypto all this value people skittish up and it's hard to actually recognize Where the true value is in the bottom of the market just because I know a lot of people cancelling tesla orders All that stuff But the reality is I mean when you look at the banks the banks are like well the consumer strong I mean you're hearing two sides of the coin all the time right now and obviously sticking to a Cost-average strategy alleviates a lot of that, but obviously we've someone in my position I'd still like to outperform to some varying degrees. So I'm still playing the market to uh to some extent but you just got a you just kind of got to watch this and It's going to be a good learning lesson But I don't think people realize how much the market's dropped as well A lot of people have been calling the bottom of the market because they don't realize the value of the market Versus the purchasing power of the dollar and what like the s&p 500 is worth is probably lower Than where it was at the peak of march 2020 before the crash hit It's really hard to gauge out with inflation what the value of the true market is dropped to A lot of fugazi shit the market man. I don't think people understand that four x value I mean I learned a lot I mean I wasn't anticipating the u.s. Dollar to come back so strongly with people aggressively buying back into bonds I mean that was that was something that I feel like I should have foreseen that I've never learned I mean nobody said hey, you know when the interest rates go up all this money's going to pour into the u.s Government bonds and gic's and all these you know funding the government.  It's wild you'd be getting rich if you knew a couple of these things So one person said that like No, you're going to see some walkie shit just because the dollar is going to gain value Well, I thought it was going to lose value You know what's going to gain value because everyone's going to flood back into the dollar when you know The guaranteed returns are going to get so high I mean even in canada right now like what the gic's are at like 4.6 Some of them are 5% you know what saying that is it really levels and rebalances out the market I think because then it no one's touching bonds and what I think the the interest rates now higher than it was back in like Long before 2010 like Rolling back in time a bit, but I'm down a lot too man. I mean everyone's experiencing the pain. I think I'm down Probably somewhere 60 70 grand. It's come back a bit I don't really care too much about the overall value at this point as much as I do about Just kind of analyzing just trying not to do anything too stupid I guess because everyone got burned on something but it was a matter of you know when to get out A lot of people diamond hand man. I've watched it and I just I love tesla I'm gonna get married to the stock after it's made me thousands of percent line. No, thanks You know, we'll roll over there a little bit, but uh, yeah, it's interesting man family I think in times like this too you start realizing the value of family should that actually matters You know taking things into consideration I think hopefully it wakes people up and obviously the people that hustle through this They're gonna get rich as hell. I mean this market is not over people are like this is it 10 years of sideways and down I don't think so. I don't think people value creation man. That's coming. There's gonna be some huge value creation This is just a hiccup in a long-term bull run. It's all we're gonna see for the next year or two But I'm always buying baby Yeah, I know y'all and you'll be you'll be on such a different boat in five years man I mean I remember when you started youtube and I started monitoring look where you are now compared to that Even with this downturn look at how you've absorbed it It's impressive people need to pay attention to that they really do And we were talking backstage about you know coming into youtube and trying to find that next big idea And and and a lot of those folks have come in and they were good patrons to the community and we haven't seen them And and you kind of wonder about where some of those cats are And it's just like man. It's it's not it's nothing personal man We're trying to do our very best to help people We really are I mean and I know you are too But your program isn't right for everybody and neither is mine right for everybody and I just think unfortunately people Want to not think about this they want to take the easy road and you really have to internalize What it is that's going to make sense for you and not necessarily what makes sense for ryan on This independent investor thing man. He seems to got his shit squared away and it's like I might do but you don't you don't see the time that I put into this, you know, you you don't see any of that No, and I I think you're saying like you're saying like we were talking back stream about that about Because like I know a lot of people that came in I saw what they were doing But I haven't talked to them since Knew a lot of people that got into the amc gme stuff a lot of guys that came in later heavy into arc And stuff like that and I'm just kind of curious to where they're at today Because the thing that really wakes me the hell up is times like this to not advise people on what to do I mean you you just send one person down the wrong rabbit hole and you completely ruin their financial future So usually these people I'm dealing with have a lot smaller wealth And obviously like we mentioned if I had 10 20 30 grand I would be a lot more aggressive in tech and volatility because it wouldn't matter as much from an earnings Because you can out earn that rather than lose it But the same time like people that have a lot of wealth like we're literally watching people's retirements You know get wiped to a quite a varying degree that makes them questionable on what the retirement looks like right now And I don't think the younger people might recognize that as much But the younger people also haven't lived through periods like this like I haven't lived through an 08 But again, I've seen my portfolio drop in half For a lot like a year and a half before I made a dime And I've seen I've been through enough of it that it doesn't bother me Especially now but because I also understand like what protects me to some varying degree So I'm not going to lose everything But I know people that are probably down 50 to 80 percent because 50 crypto You know they got into a lot of the growth stuff and like Unfortunately real investing is mostly boring right to make real money You kind of got to recognize the speculative aspect But I do not want to be responsible for some guy losing 50 100 grand It's worth and then like not knowing what to do and being like oh, well I had disclaimers and the bullshit like I'd still feel personally responsible for it Because it's scary shit man You start realizing how scary it is when you see people literally get wiped out from listening to shit on youtube Well, I mean, yeah, you're right Unfortunately or maybe fortunately the the conduit for delivery of information is just as easy as grabbing it through your iphone and youtube There's a lot of good information The problem is I look back in retrospect and if I could coin that that that magic pill for people and really give them the goods It was the it was the times that I wasn't paying so much attention to the market That's why I'm where I am It was the adherence to good sound disciplines and just putting 125 bucks away and not really understanding why You know, I can sit here and say this is your tried and true recipe for success in the market Take, you know, $500 a month and invest it and you'll be a millionaire That's not where my road lie. I I don't have that kind of surplus capital, you know But and I and I look back and say okay for the most part I've adhered to that continually funding the market And I was just doing my I just released my 11 steps to a millionaire video and at the end of it. I mentioned how quickly I went from a quarter million to a half a million I I said going from 100 to 250 relatively quickly and then 250 to 500 in even shorter amount of time I wish I could just capture The essence of how people can do that because There was nothing really that special that I did other than number one believing I could do it And I sitting back and identifying and saying, okay If I was just going to work a blue collar salary a regular job What is it that I can do? What is it that I'm capable of doing? I'm not capable of picking the amcs. You know, I'm not picking capable of picking the gmes I'm not capable of doing that right So I when that came I I did get I did get pulled up. I mean You know highly on for me is my SPAC play and and I was speaking backstage too Um about the SPACs really burning a lot of people. I mean it just god in retrospect If you looked at it, you could have made a fortune Invest on the onset sell at the top invest on the onset sell at the top, right? They all went from 10 to 20 30 40 50 in some cases 50 plus dollars and they've all crashed all of them All of them. I I can't pick one that has not the one that I hold is one of those in that camp that is that has crashed to the like to crash to the floor and You know getting getting kind of caught up in that I think was one of those things that it was a learning experience for me as well It was a tough pill to swallow Because I tell you what at the time it was almost like if you were Investing in the indexes at the time you were the outlier What the hell are you doing and now it's back in favor again, right? I'll so it's like, yeah Okay, everybody's flooding to the indexes now And it's it's the great thing to do and people are kind of maybe understanding but When times are flush, that's like the most unpopular thing that you can pop you Do because people want that They want that excitement and they want that that money and they get a little taste of it, man And it's like a drug really is the jaded dividend investors are coming back with a vengeance Why don't you kidding and right right idea for most people index funds, but I've never adhered to one thing And I'm starting to realize like what a joke value investing is day trading It's all kind of just variable depending on what works. That's for you right because you know, if I was That's the story whatever for another day I think at the fundamental base so long as people are buying stocks learning and constantly trying to reiterate themselves into a pattern That's going to work because obviously Whether you're starting a business starting anything you usually copy people in the beginning to hopefully find a path that inevitably works for you But I think the things that fundamentally matter the most that too many people may have overlooked that i'm seeing on tiktok Across a lot of spectrums is leverage, you know having a six to 12 month emergency fund. I iterate this so much I have a paid-for car.  Because the end of the day if you just want to follow in here to a regular strategy It's all great But if you want to be like us or some of these outliers Like you're gonna have to do what most people aren't willing to do that's not be broke That's not take on credit card that you know that's pay your freaking bills. Keep sure your family's good You know work out here in there eat some healthy food and just hustle man side hustle main job three jobs You're young. I mean I did it through my 20s. I've done it up till now, right? And it's put me into a place where You know you're sitting on so much money that like you can't even fathom how you got here I mean, I'm not a millionaire But my god if you told me where I'd be like even my projections at this age Like I thought I'd be lucky to have a quarter mill Let alone to where I'm sitting and the wealth of my family my friends and some of the people that took those steps and initiatives as well Right. That's that's sometimes you get lucky. You're not always going to get lucky I didn't in the beginning so if they can relate to that man the first time I bought stocks My portfolio was down 45 and I didn't go green for the first year and a half. So if you're in that moment I mean You might get lucky if you're new to the market This is an opportunity You could be like my girlfriend who put most of her money in the march 2020 crash and I keep every time I look at her accounts we're buying now and she gets frustrated when it goes down But when you look at her overall accounts, like how are you up this much when you've only been investing for like two years?  Like I mean we've all made the mistakes I've been down that road But the idea is to be like buff it and not make too many severe ones And I think the severe ones are personal like using credit card leverage all that stupid shit You know people saying like, oh, you know, I should finance a car I don't know why people take out loans for 30 50k cars and try and justify it to themselves Like oh the payments this small it won't matter I'll get a higher return from real estate or I'll get a higher return from the stock market And then all of a sudden interest jacks up stock market real estate tanks There's no liquidity and now your car is getting repoed because somebody made you think that the market was a guaranteed return And that interest rate was going to be reliable on that car Like people tell you to try and get ahead in life sometimes is just they want to make it fancy This shit's not fancy.  Good evening t of matt. Great to see you my brother. Yeah, no, I adhere to that and I just I don't know Is is everybody wired like us or are we the weird ones, you know, because I don't think i'm going to be successful. I know I know I am and I think a lot of people would consider that to be very arrogant Um, I don't I don't I don't I don't and here's why man Where somebody might consider me arrogant. I would consider most people complacent In all fairness, um, I really would and I think If you're not willing to seek out opportunities in whatever form or fashion, you know You're getting an idea of what my project is and your project as well I mean, this is this is a living for you. You've said that many many times and I tip my hat to you man. I I I'm you're Across a line that I really respect about you man. I don't I don't know if I could do it I don't know if I could dig that deep. I can dig pretty darn deep But uh, we only have 24 hours in the day, right man. So You know, I feel a lot of that time up with With support in the family on more of the stable side of the house, you know I mean the chances that you're taking may and probably will pay off because you're so persistent But I I don't think a lot of people can follow in those footsteps, man. I I don't I I just I watch how you grind I watch how you work and I'm I'm always just like Keep it just keep it going. Kyle, you know, just watch out for yourself because you know, it's it's hard People think it's easy man. It is not easy. It's hard. It's hard. It's not the content either. It's the it's the sheer motivation You know, I don't I don't know. It's it's hard to explain man, but Very few can do it Very few the funny because we actually just had this conversation today because People like the idea of working for themselves But I don't think they understand the bullshit that comes with that because it's like my girlfriend We were having this discussion today because she isn't the fondest of her job It's not like creatively evolving enough for her but the money stable gets benefits all the shit that I don't get right And I've watched multitudes of my businesses go to zero that were very successful for a decade plus I don't know if it I come from a different kind of probably high school life that probably uh aggravated a lot of my Self-sufficiency I'm gonna say but the problem is is I don't think people appreciate the bullshit of work that comes with that Because I I told the same thing with like, you know, my girlfriend that like the hours that I I've had to put up with To kind of adhere to this lifestyle and to watch things constantly, you know, I get the reward I mean, that's the benefit But the problem is is you have to sacrifice so much bullshit and watch so many things fail Over and over and over again and the only thing that keeps you going I don't know. I you either have it or you don't I guess But I think a lot of life circumstances can drive people down that path I would more or less adhere to a solidified job I think being a boring job and just being frugal you can get out of that at a much more sustained pace Because honestly if you can't handle the stress of watching your income go up and down and having to work ridiculous hours And having no idea if there is going to be a paycheck tomorrow And then you know make going for making 50k your average to zero And then all of a sudden bumping you back up to a six-figure income god knows what that looks like because in this market Obviously my income is slowing down But I don't know how to like I said it's it'd be fun to get a lot of entrepreneurial people and just kind of Listen to how they deal with that shit because I watched kevin oliri He made some really good points about it that it's not a path That's worth living for like most people just shouldn't do it. I don't recommend people doing it We've got very blessed especially with my relationship life But like when I look at the I mean like I said we talk about it a lot right like the difference between full stability over time and having to deal with the Insanity of the ups and downs of trying to manage a business and you know 99 this comes back to the stock market go back to the 2000 dot-com bubble Everyone likes to think they can recognize the amazon But 90 98 percent of companies that were part of the dot-com bubble don't exist anymore My space doesn't exist so you could have picked twitter over facebook or google and where would you've ended up nowhere, right? Like I mean people don't understand like you when you look at a stock. They think it's just fundamentally simple That's why I don't like value investing like I hate listening to a diehard value investor because it's not that plain black and white As you see it on paper like there's no way so many Variabilities and then people make fun of kathy wood because she projects so much into technology Into the future but like there's so many styles to that that I don't think people understand the dirty web Like you know when you look at tesla's story, it's very fanatical Listening to the idea of him almost going bankrupt losing these companies Like I don't if you held that stock during those times I don't even think you were aware how close you came to watching that money go to zero Before it went to thousands of percent like I don't think people understand that and if you're living it in your own job It's even worse But I think the difference to man is like I always felt like For me anyways because I used to be an entertainer And the idea that got me hooked on the idea of just working for myself was when you do entertainment Especially that entertainment you can do anywhere I realized I could make money by working for tips and that's how I started So I would just work my own hours go work the streets restaurants for free and just work for tips and I could make 80 120 bucks a night and I mean that that that coincided in my brain that I don't have to rely on getting fired I'm self-sufficient all this bullshit You kind of feed your own bullshit and it kind of perpetuates you for but you kind of got to get into that delusional State man. That's why I love you so much You're like, you know You know, you're going to get to where you're going because you just you know You have to have that because my mom looked at me one day and she says you'll be somebody They don't never have to worry about a job and I'm like I never really understood it I'm like always worried about shit, but like I've always got something going on So I've never I've never seen everything completely fall out from under me But again, I think that just comes from you know, you have that click where it doesn't matter And you're just there's always something that you're just going to be hammering until it works You know when it's And something for me just for the audience and their insight about me too is It clicked for me when I was 15 years old It was one specific night, you know, I was in high I think it was right before high school as a middle school And uh, maybe first first year of high school and I I was up all night and it was like You know a kind of a decision a conscious decision that I had made just uh, you know You know, my parents didn't have that much money I mean we grew up in a nice household and you know, I always go go to my friends houses who actually had homes You know, I didn't grow up in a home. I grew up in a mobile home And uh, I was like man, this must be nice, you know those those friends I had with pools I was like they're rich, you know what I'm saying and there was such a disconnect for me between how I grew up, you know and um not having those amenities and Really kind of doing some self-reflection and saying what are what are people really doing that that that will work? And um, I struggled for a long time just like you man. I ran those businesses. Hell. I used to sell cutlery I was really successful at it man, but it was it was really a tough road But I was willing to keep on grinding keep on, you know, firing away And that's what saw me on the boats in alaska That was the real first taste of like that was the first check I got for over 10 grand And I was like, you know when when you see 10 grand for the first time, you know, it's not as impactful when you see it on a check But when you see it in cash, you know, it's like whoa, and then that was my rude introduction to the tax structure and the tax man too Oh, they didn't conduct it No, sir. So that was my that's what I share with people, you know, when I got in hawk with the irs And it's like that's another rude awakening. It's like man.   Yep, so um, we we were part of a church when I was younger and Uh, we were part of it was a al at the time they they switched over To thrive in financial So it was like a financial services that kind of catered more toward Congregations and things like that and we had one of those traveling financial planners Come out to the house and sit with us And um, I was asked to sit because I was always into reading the newspaper We'd get the newspaper and the uh stock ticker section came on sunday So I would always pull that section out and I would sit and I would take my scratch paper and I would you know Try to find all the cool stocks that at least I knew by name, you know And write all that stuff down, but when he came and he talked about you know mutual funds for the first time Explain the rule of 72 You know, I took it upon myself to try to figure out the you know the matrix and why why that whole work thing worked but um, I think that was my first introduction and um I actually ended up teaming up with that guy for a while. There's something a lot of people don't know about me Um, and I was making those house calls at a very young age Because I went into a self study like no tomorrow reading all the books Um, fascinated by financial markets. Um, really gravitating toward that and then in high school and and middle school I was always a mathematics guy. I was a wizard. I aced all my classes. I aced everything up through college too In mathematics, so that was something that I was always really good at But I think that was probably the turning point in the introduction to it Um, and then and then I got involved in that capacity in my early 20s mid 20s And then found self directed investing when I was about 31 that was the second 10 pass of of really identifying Okay, look either you rely on somebody or you take control of it yourself And what I've learned by taking control of it yourself is be careful because you're given an awful big piece of power And that's the real fallacy that I see in self directed investing is people just don't know how to govern it They don't know how to throttle back on the opportunity And I think if people could just understand that And that's why hamper on cost savings and tax protection all the time those two fundamentals are 100% within your control The stock market is not But yeah, that was the real insight. I was 15 16 when I first sat at that table and listened to that spiel And I I was just fascinated man the leather briefcase and the suit and tie Just like you're wearing, you know the stuff that I make fun of now, you know, because it's like I just think that people, you know, you talk about it all the time and it just when you walk into a room and you look like that It just people are like, whoa, it demands respect out of people and you're right There's an element of truth to that. Um, but I absolutely agree with I just think unfortunately, you know from what I saw after the fact Was that the facade of that? Um, it took a lot of gullible people And put them into things that benefited that individual Exclusively and and had nothing to do with what those good folks financial best interest would have Would have had them them believe is good for them that they just did they did not know The education was at zero They knew they wanted to invest and that was it and they relied completely on somebody else to To make that happen for them and we see those same fallacies nowadays, Kyle Right, we see those same things and I if we could just draw people more toward The idea of of of taking more ownership over it I think people would find the success that that maybe they're they're looking for they don't think that they're capable of Um in in financial markets because I look at this as a blip on the radar. I really do Next year we may be reflecting on a whole different market I'm not one of those that looks at 10 years out as being a moderated nor slightly down Market I would never ever suggest to know That you know the geopolitical conflict ends and it doesn't stimulate the market. I I don't know. I I think we've increased our idea of what comfortable living is And I think because people are having to pair back now on living expenses I I think somehow that's a that's a a reason for panic for a lot of people when in fact I'm trying to point out the fact that people are still eating there's they still have insurance They still have a a roof over their head for the most part, you know What's that?  I I don't believe in entitlement. I don't believe in any of that I know Now very insightful stuff man. I'm gonna kick off here, but I'll tell everybody Yeah, the suit thing's funny. This was from the entertainment days and I know what you mean You pull it off well I took some psychology courses early on man a lot of the sociologists And my buddy like me and my buddy are both self-employed and he always said the same thing Don't don't show up without a suit on because I don't even want to see walk through the door without a suit on He's like you're not gonna get anywhere.  Yeah, no one would say away Like absolutely. Yeah. Yeah, he's he's paid to preview the video You know, I'd be back. Listen if I get up to a million and me and you meet someday. I will wear a suit man. Trust me man I don't I don't care for it either, man.  I was $23,000 and dead at 19 Trying to start a business when I paid that off two and a half three years later Worst thing I ever did it really woke me up to the reality of how hard it is to actually make money retain it pay it back And I literally sat down one day and I looked at my mom changed my life forever. There's one conversation I said, you know, it's so freaking hard to run and start a business I wish you could just give someone else money and let them do the work My mom's like, have you ever looked at the stock market? I was like, no That moment man changed my entire life the trajectory that took me down Fell in love with it the next day had to learn everything I could that was before the grand step ins Jeremy is the same thing with you, right? Like there was no one to tell you about self-directed investing I was watching bnn listening to kevin oliri I didn't even know what a tfsa was of these tax advantage accounts for the first year or two Like it takes a lot to wake up to that But but I think it was a very insightful conversation And I appreciate always bringing me on you've been the staple to the beginning of my career on this youtube endeavor So I mean I was listening to you being the captain, you know Just keeping that narrow edge ship steer in the right direction during some stormy periods So I hope everyone appreciates it. Stay cool. Stay awesome guys, and I'll see you around man YouTube brother take it easy man. Thank you so much to Kyle man and for anybody who is new to Kyle's message Man, you want to kick over to the passive income investor? He's uh, he's making waves He is part of our small niche community those folks that I really get behind We're all different and that that's that's the cool thing about it I always explained social media as being one of those things that you know chances would have it that me and kyle would have never Cross paths and and a lot of these other guys too, you know a lot of other guys in the community We would have never crossed paths. Matt's one of them, you know, and um, I think the idea is that we're all clawing toward a better future But I think the methods and means that we're using to get there are significantly different And it's times like this where we rely on certain Aspects of where we come from and why we started what what what we're doing You know what why we're doing what we're doing and and to to to recall and to remember some of those those goals Uh and um and remind ourselves as to why we're doing what we're doing. I think is super important in this and you know If times like this bother you um, I really want you to think about Evaluating what's going on Don't shut this out. Okay. I'm I'm beyond the point of You know saying hey, I made a bad call or I I share with the group Um about getting in over my skis. Um, but you'll never hear me suggest or apologize for that Um, I'm not one of those guys that apologizes in life for taking a chance I know That my success rate is going to fault to zero if I'm unwilling to take a shot That I know I'm of a statistical mind. I am and Where I've seen over hundreds and hundreds and hundreds of different holdings The opportunity to enter into and i.e. Take a chance uh in stock market investing And I've seen it work out over and over again when I was chronicling my swing trading that I was doing in 2020 um, I was able to log over six figures in swing trading profit and uh I had a success ratio of 92 And I was sharing that openly. I was sharing my trades openly. I haven't done a swing trade yet this year. Mine outside of a couple I'm up a few few hundred bucks. Maybe just a very little little amount Just because I've kind of closed off that aspect for now And I'm really relying on different aspects of the portfolio to carry carry through I'm most intrigued by the highly on position That I chronicle once a week sunday to be specific on the channel And I know there's a lot of people that appreciate that But that right there is the focus and it is the segue of some of those house dollars into that People would say well, you're crazy or or whatever it may be. I'm I'm tracking marked progress Another milestone this week as a matter of fact, there were three milestone four Excuse me And uh evidence actually on twitter just as of today As another mystery company shows up up here in new york as well So, you know, we're we're plumbed into the pulse of that community as well I'm fascinated at that progress and More specifically where we are going to end up Down the line, uh, perhaps 12 months will really start that road to that that interesting scale up and shake loose of the supply chain issue and Some introductions to the fleets and getting the fleet trials working and and really Allowing the fleets to further their experience at the ride and drive event But I think the cool thing about me is, you know, I'm I'm willing to share that through social media I I would just as easily be doing that If if I didn't have a channel at all Because that is how steadfast I am on this opportunity The ability to direct connect yourself via technology and to the market is fascinating to me I'm old school guys. You have to remember man. I I was doing assisted trades for what 40 50 dollars A trade and now we can trade for free things that people absolutely take for granted. They do And I share those old stories because people really need to understand and and really resonate with that idea that I Talk about understanding the power that you hold when you take control of your financial Future because the amount of power that you withhold in this very device right here The the ability to to direct connect to the market for yourself Really just speaks to the power of technology and I look to leverage that and carry it forward with the opportunity through Social media somebody says I got Miguel who just popped in he says is this live It's the only way I roll brother. It's the only way I roll Um, I come on every Friday unscripted. I speak from the heart. I speak from the mind. Kyle actually helped me tonight That's always a break actually a refreshing break for me because to do 60 minutes I I I'm actually very tired again for the second week and You know when I'm fired up I come on and I deliver a very very robust Um delivery on my live stream, but I've been very very tired at work and I'm working very hard I I am working to capacity right now in everything in my in my spirit In my in my heart and um, it feels really good. It feels really good But it is a drawdown But the answer to your question my friend is yes. I do this live. I don't um I'd like to separate my delivery from the rest. I am Just got a compliment. I did a meeting um just last week with an individual who reached out to me who said You know, I watched you you seem like a very real and genuine person and I am if you talk to me in real life It's just this is this is how I am. This is how I act. This is how I approach life and um Approach the opportunity and I want to share some of that with you guys So where I feel like the opportunity to engage in stock market investing is just that Uh much more accessible than it was 20 years ago Look at the opportunity through through youtube. Kyle talked about it a little bit tonight, you know, where there's there's some damage Perhaps maybe that can be had just like anything. I mean, you know, the There's not an easy path anywhere out there But if you're willing to sit back and say, you know what I can relate with this And it can help me or I can't relate with this and it can't help me No problem But but seek out those opportunities out there from from folks like myself who are sitting on marked progress I shared the portfolios for you with you guys. That's that that's not fake I share my portfolios openly um with the youtube community and a lot of people might think that's crazy I think it's the most sane thing because I don't I don't put a lot of value in what most people put all the value in and that is a dollar amount the more um interesting and fascinating Point of reflection is how I got there the plan that was implemented where I come from in my rich rich past and upbringing and Some of the things even Kyle kind of was like, you know, I I don't know if I could have done that I there were a lot of people who tried My friend and they failed to do what it is that I do but here's the thing. Here's what I learned through that I learned the parameters of my ability. I learned the parameters of what I could tolerate I could learn I learned that you can't die from sleep deprivation Alaska You know, there were a few times where I'd shut my eyes under the galley table trust me and just to get five minutes of of shutting my eyes you know that very pulverizing Of the person that I was to become the person that I am Is something that I wish to share with people and I think that's why it would be interesting The only youtube channel I watch any more guys and again, I I may get Accused of arrogance the only one I watch is mine is mine Because there's a lot of really good youtubers out there. I give them all the full credit But for me, I sit across from them and I don't see that they've gone through that same level of sacrifice that I have And I don't I don't expect any return for it I'm already realizing the benefits of those said sacrifices now. I'm already realizing it You know, I I feel motivated to get up at 4 45 Which is what I did every single day this week to keep myself healthy Because I realize how incredible life is and how incredible the opportunity we have to You know choose right when life might have blown us left Right the ability through free will to choose what investments that we make Or to build our portfolio up to something that maybe even we don't even think is possible Kyle said it tonight. I'll say it right now He said I could have never envisioned the dollar amounts He's approaching half a million dollars of net worth put away and he's a young guy right 30 years old That it's just if if the younger community could really just gravitate toward that and say wow You know, maybe I need to pay a little more attention to this And I look at it and say if I were to going to be this age I mean just 10 years ago with my income I would have never said that that would have been possible And now that I'm here I look back and say I really wish I could codify what it is that it took to get there Other than the fundamental tried and true stuff that got me here And it's the stuff that I released this week that gets three or 400 views through youtube and I think to Really capture what it is myself and Kyle were deliberating around tonight Is maybe a lot of people just don't want that Maybe they don't maybe they think they want it, but they're not willing to go through What it is that it takes to actually get there? Identify surplus capital in their budget. How many people really want to do that? Yeah, I don't know man I'd like to hope that there's a lot of people out there that Could probably pull themselves out of a Forseeable rut at some point in their future because they take a more complacent type of approach throughout their life and and this is the this is the fallacy that I see in people is If you want to be complacent, but you want to have a sense of entitlement at the same time You can't have it both ways guys and I've Shared with a youtube audience many many times. I feel it in my bones When I retract just a little bit on my ferocity to continue to step forward I feel it. I'm like I just something doesn't just doesn't feel right. I take my r and r, you know, I like my time You know, I I take my downtime man We'll probably go to the beach tomorrow and enjoy some downtime But it's well deserved downtime after hours of grinding just this week, man But I always suggest to people that I work with and colleagues, man If you can't earmark one two three four five six things throughout your day that you're like bam That was marked progress boom That was marked progress boom I identified this it wasn't complete at the end of the beginning of the day and now it is Bam, I did it and you can earmark those things Throughout the day you might think that they're small victories But over the course of your life They could be huge victories And I just want to share with you some insight on what I was able to glean and I I don't want to make this Specifically about this situation, but I am going to use it as an example That can really transcend the masses for people out there who are looking for a way to Get ahead in life What I just explained with earmarking Different things in your life and saying okay, I I can see this problem here We need to do something about this problem and focusing in on that problem until you reach resolution That in a nutshell right there is going to speak to the very organization that I think a lot of people need to gain in their life Many many times over I do I tell you what man I am a freaking meticulous and an organized bastard And I tell you what when I have a few things fall to the back end of the train a little bit I'm quick on that man like aggressiveness because I'm so organized with everything else that when those other things Kind of kind of get a stray a little bit and I'm talking about the myriad of different things that can consume us in life insurance premiums go up some sort of health condition A tooth that's acting up right You know missing a couple days at the gym You know, we just got our washer fixed this week little things life happens, right? You know and and to be able to focus on those little things man and continually Keep everything in Harmony will really help you find that balance because I've said this many times through the course of the channel if you cannot find this balance for the Thousands of things that we have going on in our life This that professional this relationships that that diet exercise all the things that we look to balance How is it that you expect to find balance in your financial health and well-being? I want to thank kyle with passive income investor for coming on and sharing on this live stream tonight This was a special one. I was happy with this even though I was tired We were able to turn out a pretty good product and we had great attendance If it's your first time to the message man, I would encourage you to Become part of the community My focus here is not on me. I'm not work focusing on I do enough focusing on myself right to get the organization piece, right? The whole idea is that you guys look and maybe look to take a little control over some of those alibis or deltas In your life that you feel like maybe man alive ryan. You're you're right man. I'm gonna try that tomorrow I'm gonna try to focus on this right here And I'm not gonna stop until it's fixed and then you want to know what I'm not gonna get complacent like you talked about man I'm gonna find the next thing and the next thing and the next thing And you're gonna find that you're gonna start your own momentum of snowball to something Incredible to where instead of looking at your life is something that's completely out of control You're gonna look at a life that you have absolute control over And that is the very empowered piece that I hope to impart to all patrons of the independent investor channel No doubt about it. I appreciate the gallery tonight. I'm gonna drop a link in here.  That's totally fine. I'm not going to take offense to it There it is But I want to thank everybody man There's a ton of people in here that are devoted to the message and there's a lot of people I'll review these comments after the live stream that I don't recognize. So if you are new to the message I ask you to subscribe to the message man This is all about your personal empowerment journey. I'll get there and you want to find that arrogance. No problem Maybe you take a little bit more of a diplomatic path And join me in finding your own personal empowerment because I can tell you You're not going to know it's there until you look my friends Thank you so much for tuning in to the independent investor channel fast to 60 minutes on youtube. We'll be back next friday On the on the live stream man. Be well. Have a great weekend. We'll catch you next friday


Today we're testing out another viral makeup hack. We'll have to see if this makeup hack, which uses a little bit more concealer than I'm used to, will work on mature skin. We're gonna get into seeing whether or not we can enhance what we have. Let's do this video right now. Hello friends, as you see, I do have my makeup pretty much complete. But what I don't have is this specific highlighting trick that I want to show you. That's supposed to bring a ton of light to kind of the center of your face and kind of help do some definition without contour. It's kind of exciting, so we're gonna get into that in just a second. I do want to tell you that I can show you my shirt and all of my jewelry.  This is a very loose shirt. It's linen, so it does need either steamed or ironed, but I love the lace detail in this. It goes clear through the yoke of the blouse and it's just very airy and very loose. It has a bell sleeve on it with button-down v-neck and I just think it is so pretty.  These are a gold earring that has just a few little tassels on the bottom, just a filigree earring. So pretty. I also have two different necklaces on today. I don't think these came in a set. They might have came separate, but one is a paper clip right here and then the other one in the top is just a serpentine that I got and also I have a fun new bracelet, which I have just been loving wearing. It's a cuff bracelet in gold and so I'll be able to show all of those to you. Oh, I've also got a fun new ring, which is an adjustable ring and I'm always on the hunt for pinky rings and my pinky is an odd size. So this is a fun little opal with a just a little cubic zirconium in there and it's rose gold. So I thought that was all kinds of fun and all of those, including the makeup that I wear, will be listed and linked below in the description box and speaking of the description box right over here, you're going to see a number that will come up each time that I show you a product or switch products. That number will coincide with what I am doing on camera. So if I'm using the concealer trick or whatever, the concealer that I'm using right will come up right here in a number. You don't have to remember the number or the shade of the concealer. You just open up the description box and say it was number two. You remember that it was number two. You go over to number two, number two. How many times can a person say number two? It is the concealer with the shade and the link will be there. So that's very easy way for you to shop and I hope that you do enjoy it. If you are new to this channel, please subscribe. I'm trying so hard to get 200,000. So my analytics tell me that about 40 to 60% of you that watch my videos aren't subscribed. So if you would please just take a second to do that would help me out so much. And all of you that have been here forever, I love you to pieces. So let's get into this. We're going to see if it's going to be a mess or we're going to see if it's just going to be gorgeous on mature skin for all of us. Let's do this video right now. All right, all zoomed in. Let's start out with the Maybelline Instant Age Rewind. The reason that I chose this is because the gal did that was on there. It would just seem like it went across her face a little bit easier. So instead of doing both sides, I'm going to do one side. We're going to see how it looks if it brings more light, if it brings more definition, if it's prettier or not. So what she did was she actually started. I have got some random flyway hairs going on here. She started out here at her temple and she just did a little line and then she went all the way under her eyes. And yes, I already do have concealer on. Actually, I already have all my makeup on, but my concealer didn't quite do the trick today. So I was like, maybe this will help a little bit. And then she drew, she drew a line down her nose into the center of her upper lip. And then she went down and excuse the shaking. We all know that Melissa does the shaking and she went back into her kind of to define that jaw bone. And then she came out around the lip and then she went down. That looks insane to me. It absolutely looks insane, but the whole purpose of this is to see how much light that we can bring to this area. Now I have a dampened beauty sponge and that's what I'm going to use. I'm going to let this part right here by my eyes set up a little bit, but that's what we're going to use to blend. So we're just going to blend everything and I'm actually going to bring this blend down a little bit. It's going to really, I can already tell you that it's really going to define that cheekbone. And I'm trying really hard just to stay in the places like I already have my lipstick done, which was probably not the best thing. So I'm going to really blend this in because I'm putting another layer on top of what I already have now in my defense. I did only put one layer of my foundation on. I didn't want it to get too out of control. And now we're going to go up and we're going to bring that way up. And I feel like when you do this, you're going to your blush is going to kind of go away. Okay, that was that was it. That was easy peasy. So you can see right here that it's really defining the line of the cheek. And then when we go up here, it's kind of just defining all of this too. Now, my nose is a little bit red from using some blush on it. So I'm just going to pop a little bit of the concealer onto my nose. So I'm just going to let you guys see what happened. It was a super easy trick. It took like two minutes, not even two minutes. I talked too much, so it took longer. But, you know, it was just the basics of kind of highlighting instead of contouring. I have contour on. I'm not crazy about what kind of a line this is leaving right here. So what I'm going to do is I'm just going to take another side of my makeup sponge and I'm just going to dot dot dot try and get that down. Now, one of the things that I love is I love to put my blush right up around here. So I don't know if I'm a hundred percent sold on that. What do you guys think? It's kind of it's pretty and you can tell that it gives a lot of light. When I'm looking at it in the mirror, it looks pretty darn good. It gave a little bit more coverage right here underneath my eye, brought a little bit of light. I wonder if I used something even lighter. Okay. So what I did was I grabbed the ColourPop pretty fresh. So this is going to be a little bit different because you have the wand instead of that little sponge to kind of, you know, move things around. So what I'm going to do is I'm going to try to draw as ever so slightly as I can here. I mean, the whole premise is that you use a bit of stuff, but I don't want to use too much. I got into my lipstick. Lovely. Go around the lip and under here and then right here. Draw a line up. Okay. So what is going to be different about this is it's going to be a little bit thicker, but it is a little bit lighter than what I was using. So maybe this might bring a little bit more light. Let's start down here to blend it.  Maybe it just defines your lips a little bit more. I have been trying to do a lot of self tanning, so I'm not real sure I'm convinced that this is the best way to go and lightening even further when you're not, you know, when you're trying to get a little bit more of a sun glow look. I feel like it might be a little bit more makeup. So you might even want to skip your foundation. I think that if I tried it again, that's what I would do and then I would just spot conceal on places, but I like the fact that it does give me a little bit more coverage back here where I have all my age spots and I like the fact that it's pulling everything up. So that's kind of the premise to it is to give yourself kind of a fake lift. I am going to go in with this Dior no powder powder. Have you guys tried this? Oh my word. This is so so good. So I'm just going to pick up a little bit of it and I'm going to just set underneath my eyes since this is so expensive. I don't use this to set my whole entire face. Normally I am going to today, but normally I just set my under eyes. I don't I don't know how to explain it except for really doesn't feel like powder. It just feels super light and super pretty airy. It just feels gorgeous. Here's this brush and I will link this brush for you. It's an it brush for Ulta. I get asked about it every time it comes on air or comes into one of my videos.  But that big brush will really help buff in everything and kind of just give it all a really seamless look. I'm going to go in with my Laura Geller pink grapefruit baked blush. This is what I just barely used and I do feel like my blush kind of went away. So I am going to just put a little bit more blush on and I'm going to try and stay away from this part that they wanted to lift with. Although you know that's always where I put my blush, but I'm going to just try and you know kind of stay away from there and then I will put it across my forehead to kind of warm that up a little bit or I just put it on my chin. I'm so used to doing certain things, but I think you get the gist of this. Okay, so thoughts. This is my thoughts on it. I think if I was going to do this again, I would not start out with all of my makeup done. I would probably put some cream bronzer or cream contour on and I would buff that in and then I would probably skip doing any sort of concealer under my eyes, but I go ahead and I'd use this as kind of a spot treatment. So you might not even need any foundation whatsoever. So I would probably put a line across my forehead down my nose and then do everything that it showed as far as where it goes in the placement and then I would buff that in and see if I needed any extra coverage and if you did then you could just kind of, you know, use it to do, you know, your spot coverage. But yeah, I think that this is really pretty. I think that bringing the triangle of light right there is is perfect. I think that lifting it with your concealer is great and also I think from bringing it to the corner of your mouth up here, I think that that's a good idea too because you're lifting the corner of your mouth as well. So I think it's really pretty, but yeah, I think that it's a neat technique, especially if you're going somewhere, maybe you're going to a candlelight dinner. Maybe you're going somewhere, you know, that it is a little bit darker or in the evening. This would be a great way for your light, for your face to have a lot of light to it and kind of give a beautiful glow. So I hope that you did enjoy this tutorial. Thank you so much for being here with me today. Please give it a thumbs up on your way out of here and right now I'm going to put up a video right here, one of my older videos that you can click on and go over and see a few more tips and tricks that I might have that you might not have seen that video before. And I hope that you're all happy, healthy. Please come back around very soon in my next video and we will have all kinds of fun again. Love you so much friends. Goodbye.