Rob & Melissa Stephenson from Flea Market Flipper interview Bret Johnson about smart ways to get started investing.
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Rob: Guys, today, we're super excited to be talking to Brett Johnson, CFO of Team Johnson. He's got some amazing news for us, so yeah, let's go ahead and.
Melissa: We get to jump into all things investing, which we're super excited for.
Bret: Fun. Let's make some money.
Melissa: Yes. Make your money make money, right?
Bret: That's exactly the way. It's what, that's what the goal is.
That's what the that's the real American dream is make your money keep making more money.
Rob: Yeah, I love it.
Melissa: Awesome.
So give us a little bit of background, how you even got started. I follow your stories and love seeing all your tips and stuff, but how did you get started in this world of investing?
Bret: Well, my investing kind of came in play cause when I took over, at Team Johnson, I didn't really have a niche. Like I didn't go to school to like our first initial business together Shaleen and I was a fitness business. And I didn't know much about the fitness industry. So I kind of like had to find my niche and my niche ended up being like, I can save us money by trying to figure out, like, how did they get how to get back in the day when we were doing like DVDs and VHS is like how to like, get a better deal if we ordered 10,000 minutes, rather than 5,000 units, even if we weren't going to use the 10,000 units, but we are going to space them over there. So I was always into like saving company money. And I remember the very first time I did that. And it's one of the quick, it's one of like an easy tip. Like I know you guys, you guys would suggest like flip something in your house real quick.
One of the things that I always suggest is like, just go through your credit cards and then now not like 20 years ago when I did it, but now they have like apps that help you do it. I think like true bill is one of them and they literally go through your, they go through your credit card statement. They're like, you, you really want to pay for this as a subscription.
You're paying this amount of money and you know, it might be something you just signed up for a trial and all of a sudden it went into a subscription and you get rid of those. And people are like, oh my gosh, I saved like $200 this month just by doing that. So I used to tell people like, go through your credit cards, you know, once a quarter and make sure like, you know, everything on there is legit and you're not getting double charged or you're not, you know, you've canceled the membership or the subscription or whatever it might be.
So I kind of started out by just trying to make our companies more profit. And, my backstory is with money, I was addicted to gambling. So we're not, I know we're not here to talk about that, but that's kind of like where it all started. Like, so I had this, I had an addiction to gambling and we've worked through all that, but I still to this day, because I, I channeled my energy somewhere else for the good and to invest in. So I'm a gambler, you know, I'm an addict. I was addicted to gambling and now I still take care of the money, but my passion is making and seeing it grow rather than like betting on something and hoping that it grows, you know, or hoping that I win.
So, the passion is just trying to see where we can invest money. That's 'cause nobody wants to lose money. Right. And, in investing, there's always that risk, no matter what it is. And so what my objective was is to like, let's, we started investing in our, in our mid thirties. So I knew we had some time.
So, you know, at that point in your mid thirties or twenties, you can invest a little bit more aggressively, meaning you can take a little bit more risk because you have a longer time to make money back. But even then I still, I had this, I read it in a book. Whereas just like, just invest in companies that you see every day.
Like everybody's got one of these, everybody's got an apple. So just invest in Apple. I mean, Amazon just like the things that you see around you all the time. You might as well invest in those because they're not going anywhere.
Rob: Yeah. Yeah. That's great advice. And just earlier today, Melissa and I were talking about subscriptions nowadays.
They do you get them and I'm just thinking back to what you were saying, those things get you, and you don't even realize how much you were spending on subscriptions. So I actually wrote that down truebill is what you said.
Bret: But there's a bunch of, if you just Google, I mean, Google is Google's anything I say here right now, just Google it, top, you know, top three apps that will, you know, check your subscription and memberships.
Cool, you know, and then they'll pop up. I think true bill when I did, I just did a little deep dive in the last couple of weeks and I think true bill ended up being like number one on every rating.
Rob: Awesome. Awesome. So that's a great advice for us personally, because I know that's where we're at right now.
Melissa: You sign up for stuff, and then you forget about it and there's $7, $10 and it adds up and you could be investing it instead.
Bret: Yes. Yes.
Rob: And it's cool because I like it. Like my mind thinks go buy something or sell something that you have and make that money. But why not? You can do this right now and you can save that money. So, no, I absolutely love that tip for sure. That's, that's an amazing tip that all of us can take away from it.
Bret: A hundred percent. That's something you can start with. Like right now, like people that are like, I just wanna, I just want to start saving money. There you go.
Melissa: There you go.
So the whole idea I'm investing, like most people know that they should at some point invest, but then like, where do you even get started?
So if somebody is in debt, like it, should they start investing then still? Or should they wait until they paid on their debt? What are you, what are your suggestions?
Bret: That's a great question, Melissa. That is, that is almost like an, and the answer isn't real, really easy because if you get into debt more times than not, you've lacked some kind of discipline.
Okay. We got in debt because I was a gambler. So I lacked a discipline to manage that. Right. So most of the time people don't get in debt because they just. It just doesn't happen. You know, I can understand like school debt or something like that, but you knew what school you're going to, you knew how much it was going to cost.
You could've made a plan. You could have gone to junior college for the first two years and then cut that debt in half. And you know, so there's lots of things. So that I start off with like, how disciplined are you? Because if you're disciplined, you could set a plan together where you could start investing while you pay your debt.
Okay. But if you're one of those people that is not real disciplined and you really need to focus on one thing at a time, then I would focus on paying that debt down first, just because more than likely, like, let's just say the average return in the stock market for the last 50 years is eight to 10%. If your credit card is higher than that, then more than likely you're still going to be just, you know, bobbing, like, you know, what are those little bobbers that used to put in the fishing for the thing like that? And you just going up and down, up and down, you know? And so my, my first question, I ask anybody that asks me that should I pay off my debt versus, or start investing?
And I was like, well, what's your discipline? Like, can you pay off the credit cards every single month and also contribute a little bit to, you know your retirement and I, and at that point, I wouldn't have you picking stocks. I would just have you pick up a broad, your people are going to want to write this down, just go to like Vanguard, Vanguard fund and pick a nice S and P index fund that what they do is they kind of, they mirror what the S and P is doing the S and P 500.
And there's all kinds of, you can pick aggressive ones. You could pick conservative ones, you can pick technology, you can pick financial, you can pick whatever you want. Pick a broad one, which just takes all the us companies in the world or in the United States and puts them in a big, you know, big pile.
So that means you're not going to have days where you go up 50% and then you won't have days, you go down 50%, you just kind of stay kind of steady Eddie. And I would just put that money into that fund. That's where, I had both of my kids start is just a Vanguard S and P fund.
Melissa: So if somebody opens that fund that they put the money in and then like, they decide what, where it goes.
Right. And it's like a safer?
Bret: And he actually picked the fund. So it's like, I'm going to pick this growth fund or I'm going to, there's a bunch of, if you went to, okay, you go to vanguard.com and just put in S and P 500 funds. There's a bunch of them.
Melissa: Okay. But you don't have to do the research on the companies and know anything really, right?
Bret: Like, oh, they've already done it. So it's just a fund that has a bunch of stocks together. So I picked one that was really aggressive because my kids did them when they were in their teens. And, you know, they're in there with like high flying technology stocks. And, but there's other ones that are conservative and each one of them they'll when, when you click on,
you can read about like what stocks are in there. They give you what percentage the stocks of, you know, it says Microsoft might be 6% of the fund. Apple might be 4% of the fund. You know, Starbucks might be 2% of the fund, right. So they give you all that breakdown, but then they also tell you like what the fund has done over the last year, three years, five years.
So you can look to see like, oh, this one's done really well over the last three or five years, you know, that type of thing. So it's just a really good and it takes all the guesswork. Okay. Like, you don't have to like going, oh my gosh, do I, do I pick, Wells Fargo or Bank of America or JP Morgan?
No, just pick this. They will, they'll probably have all three of them in there, so you don't have to worry about it. Okay.
Rob: Yeah. I love it. And that goes back to kind of like, what you originally said is these companies that are around you, these are the companies that are in these index funds, correct?
Bret: Like, yeah.
Yeah. They're not, they're not putting companies that are like, have no revenue or, you know, or, you know, there's no company in there. That's not making them. Right. You know, and you just it's it's a sound way to start.
Rob: Yeah. I love it.
Bret: Dip your toe in.
Rob: I love it. I love it.
Melissa: So if somebody does want to open one of these, they're just getting started. How much money do they need to start?
Bret: They're all, they're all different. They're all. They're all different. Okay. I think, I think there are 500 to a thousand to start. So if that's out of the budget, if that's something out of the budget, that might be something that you saved. Okay. Yeah. You know, you might put it in a, like, you know, you put it away and you're just like, that's not for credit cards.
That's not for a vacation. That's not for shopping. I'm my goal is to get a thousand dollars so I can buy into this Vanguard fund and boom, as soon as you get it, you do it. And then cause the only other way to do it is you, you know, you'd have to pick individual stocks to like invest that money in and it could go up and down and fluctuate and.
You know that, that's the other question I always ask anybody, like, what's your, what's your risk tolerance?
Melissa: I know, people can get really like, you're staring at it like, oh no.
Bret: I know most people when they see, oh no, they sell and that's not what you're supposed to do.
Melissa: Yeah. And that's another question I had too, is like, we're talking about long-term investing.
Right?
Bret: Right.
Melissa: We're not talking about just putting money in and leaving?
Bret: A hundred percent because this is the, this is the former game. So anything like, like I, like when people ask me about like options and puts in like betting if a company is going to go up or down in the next three weeks, I don't even, I've never even researched it.
I don't want to know about it. I know that could maybe trigger me. Yeah. So I don't even, I don't even go there. I don't even, listen to it and I'm just like, oh, that doesn't sound like fun to me. So I'd rather, I'd rather just like, oh, if I have an extra X amount of money and I'll put it in apple.
Rob: Yeah, sure thing. That's it.
Melissa: And it's kind of like, in my mind, it's like a savings account. Like, but only it's going to be growing a lot faster than a savings account.
Bret: And there's some stocks, I know we're getting a little deep, but then there's some stocks that they're called dividend stocks that they actually pay you every quarter to be in them.
Rob: Wow.
Bret: Some of them pay really high. So like the like oil stocks, a lot of the oil stocks pay you a lot of money again. And so like, if you bought Chevron in 2020, when if you bought Exxon Mobil and Chevron, when the pandemic hit and everybody was like, freaking out, there's, nobody's ever going to go anywhere.
There's, nobody's going to be gasoline ever in there, you know, and you're like, that's not going to happen. Right. And you bought their companies. They were paying you the entire time to stay around. They literally gave you a dividend and it's this money you can just reinvest or it's just your money.
Melissa: Wow.
Rob: That's cool.
Melissa: So I know a lot of times I'm trying to see how this question, like I'm putting my money in that and knowing this is kind of saving for retirement, but then how does it work if I wanted, like, if I've made some money in 10 years and I can still access that money?
Bret: Yeah, so it depends on what account it's in. So, there's all kinds of different and I'm not an accountant.
So, you know, I want you to, you know, refer to that person or, and I'm not a financial advisor, so anything I'm saying right now, I'm not going to be held responsible for.
Rob: Personal preference. We got it.
Bret: But so there's different. Like there's like there's retirement accounts. Like SEP IRAs and all the defined benefit plan.
And you know, if I sat down with you guys personally, I know you guys, own your own company and, you know, I don't know what your retirement is, but if I sat down and you privately, I would suggest that you ask your accountant about a defined benefit plan, because it's something that Shaleen and I are in because we own a couple businesses where we're the only employees. And if you own your LLC and you really are the only employees in there, it's a really good, there's some really good tax savings there. But so if you're in a to answer your question, Melissa, if you're in, like one of those accounts, you can't take it out until you retire.
There's a major penalty, but you're not taxed along the way. Okay, that makes sense. So like, so let's say for instance, you, you know, you put a thousand dollars in and 10 years from now, it's $20,000. There's a penalty to take it out. So you don't want to take it out of there. Now it could be in a stock in there and you're like, I don't like that stock anymore.
And you could trade the stock. Right? If you did that in a private portfolio, you'd have to pay taxes on that. But if you do it inside of your retirement account, you're not taxed on it until you retire. Okay. Does that make sense?
Rob: Yeah. Wow. That's pretty cool. Yeah, it is.
Bret: Yeah. So there's, so a lot of people will trade individual stocks in the retirement account because they're not getting the capital gains for that year.
But if, let's say for instance, you were, your mom had been buying you, your mom and dad had been getting your grandparents have been gifting you like Apple stock since you were, you know, so you had all this money in Apple and you were going to go buy a house and you're like, but we could use that money for a down payment.
It's that much money. Right. We take that out. If it's been a year, if you've held the stock for more than a year, the tax range is, I think it's around 15%. It's depends on your tax bracket. So that's why you have to check with your accountant, but it's around 15, 20%. Okay. If you take it out under a year, it's it's 35 to like 40%.
Melissa: Yeah, don't take it out under a year.
Bret: It's like, that's why it's called long-term investing because you're not because you're taking it out all the time. It's like you're a day trader, you know what I mean? To be taxed at a crazy amount. Right.
Melissa: So somebody who may be, not be a numbers person, like I don't love numbers, but I want, we want to invest.
So how, how much time are we looking into looking up? Like, we want to look into Vanguard to do that. Like how much. Do I need to set aside to learn all this stuff?
Rob: Give you education.
Bret: Yeah, I mean, so I started off by, just, you listened to a podcast. Do you listen to podcasts? All the CNBC shows have their own podcasts, so they literally just take their hour, show their hour show and they make it into a podcast.
So you can listen. So if you don't, so if you don't have the time during the day to sit there in front of the TV, cause you have work and kids and everything like that, you could listen to them on podcasts. They're excellent. They give sound advice. They talk about companies. They talk about, just the world, the way the business, right.
You know, the business minds, think of the world. You know, if Russia invades Ukraine, not what does that do politically? What does that do financially? So I didn't know this. I just learned this today. I guess if this happens, oil is going to go through the roof. Like if you own, if you own like oil stocks, especially refineries, your stocks are going to go through the roof.
Because they're going to be making less of it. So it becomes all of a sudden scarcer, so it drives up the price. Right. So, so, so I learned that. I just learned that today. So, you know, cause I haven't been around when too, because of Russia is a big oil oil country. Right. So I haven't been around when the, you know, I'm sure that's what happened when it happened in, the Gulf War and stuff like that.
I'm sure oil went crazy. So you just, so you start learning like that part of it. But in answer to your question, how long, I mean, if you started just doing 15 to 30 minutes a day, but here's the thing. Take out a piece of paper, and just write down all the companies that you see and touch and look at and who advertises on the Superbowl this weekend.
Right? So look at all those things, and those are the companies you invest in.
Melissa: Oh interesting.
Rob: Oh, that's great advice for sure.
Cause those are the companies typically that should be going up and not down.
Bret: For instance, do you, I mean, do you own how many pairs of Lululemons pants? So I saw that, I said as a trend, like five or six years ago, I started buying the Lululemons.
I was like, everybody buying this stuff and you go to the gym and everybody's wearing it, forget Nike. Let's just find a Lulu.
Melissa: No, that's fun. We actually did listen to your podcast from a little while back, recently, talking all about like beginner investing. Yeah. You recommended another website. And do you remember?
Bret: It's not as good anymore. It was wealth front.
Melissa: Okay.
Bret: So the reason why that's not good is because the interest rate is so low, so they can't give away money. That's not there. So their company is based on the interest rate. So it's a great place if you want to park your money, you will make more interest than you will in a savings account one. And it's called Wealthfront.
Melissa: Okay, cool.
Bret: They're still around. So if you have money, that's just sitting around and you want to have access to it immediately, they're a great app to download. And I haven't been on their app recently, but they were moving towards where you could buy. I think you can buy like stocks on their site and stuff like that.
So, Okay. Wealth front's a great one.
Rob: Yeah. Cool. Maybe talk about that too, about putting your money in, because we are talking about longterm. And I remember on your podcast, you were saying, if you have money to sit on, if you're going to need that money, you know, in the next six months, it might not be the best place to put it into the S and P 500.
What would you suggest right now? Would you still suggest wealthfront or would you?
Bret: Yeah, I mean, I would just put in to wealth front, cause anything else could just like, you know, anything can happen in six months. Right. Especially if you, if you knew, if you knew in November, when you were eating your Thanksgiving, turkey on 2019, that the world was going to come to an end, as we know it on March, 2020, you would've made, we wouldn't be talking here right now.
You guys would own some island in The Bahamas.
Melissa: I would've bought zoom.
Bret: Yeah. Zoom all the way up until the crash. And then. But, yeah. So it's like literally you going to buy zoom and pellet, all those stay at home stocks. Yeah. So there's no crystal ball. So if you need, I always say, if you need that money, don't put it in the market.
Not that I don't want people to get scared and go, oh, well, the market's not safe. No, the market just goes like this. And is it the people that make money in the stock? Right. Or the people that are in it for the long haul, they don't get emotional about it. Right.
Melissa: Yeah.
Bret: And they, you know, it's like some days they're going to be good and some days they're going to be bad.
Melissa: I mean, and it does, like, it goes in waves, like the same, like with the housing market too, it goes up and down. And then, but even though like people would sell and they think it's the best, well, 10 years ago, that was the best. Well, then it was still even better 10 years later. So, you know, it went down, but it only went down a little bit and then went way up.
Bret: So there are some companies that if you look at in they're really good companies and you look at them like 10 years, There's they have spikes and stuff like that. So I I'm one of those people that I think that you should take profits, like you were talking about earlier, Melissa, when you have a company that's doing really well.
One of my mentors, so his name's Jim Kramer. He has his own show on CNBC called bad money. And he also has an investment club and I don't, I'm not an affiliate, but you can invest $200, I think it's $240. And you get every single one of his trades before he does them.
Melissa: Wow.
Rob: That's cool.
Bret: And he tells you how many shares he's going to trade, how many he's going to buy, why he gives it.
There's a, once a every day he gets on every day, he gets on a conference call for like 15 minutes and tells people what's going on in the market today. So if you want to get. Well, I don't know where else you're going to get for $249, somebody that's been doing it for 40 years. All of their expert picks.
Now, do you have to, you have to buy every stock that he says no, but his, his motto is this. Okay. So when the market's going way up, they call that like a bull market. When the market's going the other way, they call that a bear market. Right. So his motto is this he's like bears make money, bulls make money.
He says, but pigs get slaughtered. Which means if you're a pig and you just think like, it's just going to keep going up and you're never going to take profits. You're going to eventually get slow. Right, because it always comes down. I mean, look at Facebook, Facebook just recently dropped like 40% in a month.
Zuckerberg lost like $20 billion, but only on paper, it didn't sell. So it's just on paper and you got to understand that it, you're buying a share on the stocks and there it's an ebb and flow. They're going to go up and down, you know, but when they're way up, you got to take a little bit off the table.
You got to take 20% or 25% or 30% or whatever, whenever you feel comfortable. And what you do is you just put that in cash and it gives you something else that you can go buy something else. Or when the market goes down, then you can buy, you can buy it back for, you know, that type of thing. If you really like it.
I mean, I've done that before where I've sold something that goes down, you know, 20%. I'm like, I still love the company.
Melissa: I was gonna ask you what you think about those apps, like Robin hood and the ones that, I mean it matter or is it, they all kind of just.
Bret: Right now, they're I personally like E-Trade.
Melissa: Okay.
Bret: And I'm not, I'm not, I don't know a lot about cryptocurrency. I don't know. I know enough to know that Shaleen and I have some crypto. Basically we have like three things. We have three, whatever they are. So we have Bitcoin, we have Ethereum and we have one called, Cardona. Those are the only three we have.
So if you want to follow along, that's us. This is what I do on crypto. If we woke up tomorrow morning. And people are like, oh, crypto is a big joke. It was funny. We tricked you I'd be like, oh, we lost a little bit money, but we're not, we don't have to change our lifestyle. Right. That's where I am with crypto.
But if it went to the, you know, it went crazy. We'd be like, oh, this is fun. We got some great vacations that we can, this that's where we're at with crypto.
Melissa: So it's more like a, just an extra thing. It could be good.
Bret: It's like, a little side thing. Yeah. It's like play, it's not play money.
Cause my all monies should be useful. It's just money that, you know, it's almost like it's high risk. Let's call it that high risk.
Rob: Yeah. Don't bet the farm on it.
Melissa: Yeah. There's so much unknown with crypto, so we haven't.
Bret: And then that's where I am. I mean, it was like $70,000 a Bitcoin and went all the way back down to $25.
I mean, it's like what, like what?
Rob: Wow.
Melissa: Right. So your top thing for somebody just getting started would be, look at Vanguard would be one of your top recommendations?
Bret: And especially if they have no, like, they know they should be investing, but they don't want to take the time. Take an hour out of your day.
Spend some time on Google, get over to Vanguard, do some research, pick a fund and like set it and forget it, like set it up. So it's like you automatically deposit a certain amount into that fund every single month.
Melissa: Yeah. So that seems like that's the easiest way to get started.
Bret: And then if you just did that and you were young, you never have to do anything.
Melissa: Yeah. Oh, that was my other question. So some people think maybe they're too old to start investing. So is it like, is there a time where like, oh, it's a waste of time. Like, okay.
Bret: No, I don't think, I don't think so. I mean, you just look at the track record of the market. It's like now, are you going to become massively wealthy?
If you decide to start investing when you're 60 or 65? Probably not, but I mean, it's still a better place to put your money than a bank.
Melissa: Yeah. And I love that you did that with your kids. Like that is so cool. Like you taught them how to do that right there.
Bret: Yeah. Now my daughter is less into it, but she knows she has it.
And she, she sees what's going on. Like she checks it. Yeah. And you know what, but she's 21. So, you know, but trust me when she's 30 and she's got kids and she's looks at back at that thing and she's just like, wow. And I tell them, like just put in a little bit, because you can never time the market and timing.
The market means like, oh my gosh, I'm going to buy it when it's the lowest, no experts will tell you they've been doing this for 40 years. So like, don't try to do that, but just put it in in some months. Yeah, that market will be up a little bit in some mark, some months the market will be down, it all evens out.
Melissa: Right.
Bret: And, you know, so I know she'll be very happy that she started early. My son's into it, like he's into it. Like he bought he's, he kind of like got me into crypto and he's like, dad, you should really buy this. And, and so naturally, because he's more into it, I will text him. And say, hey, you know what?
You really have a strong conviction about this stock. This is what's going on right now. So you're young go for it young. I mean, he should be going for it.
Melissa: Yeah, you can, you have time to mess up.
Bret: You know, and he's still like, he's still the same as me. It's like we pick stocks that are like best in breed or, or, or, or the second best, you know, it's like, you know, you don't want to, you don't want the 10th best team.
You want the best team.
Melissa: We're not trying to bet on stuff. We just want to get the stuff that's going to go well. Like with the kids, we want to start teaching our kids better about money. We do. Like, we teach them how to flip. Now they do this with us, but, it's something like our parents weren't the best with money. And so it's something we really have to work on to help with them. So, so that's really good.
Bret: You were asking about apps, Melissa, Acorn's another one. Acorn what they do is you can buy fractional shares. Okay. So let's say Amazon right now is $3,200 a year. One share $3,200.
People, people are like, wait, what? Right. But Acorn they, what they do is you go on the app. I've done. You can watch some YouTube ads on it. There's some really good YouTube guys that, explain what happened, but you basically, you round up to the nearest dollar on all your transactions. Okay. So like you go to Starbucks and, you know, you pay $4.50 cents and you literally gives you the margin on acre acorn, where you can like go, I went around up to the nearest dollar, or I want to round up whatever, whatever it is, there's all kinds of different settings that you can do.
And then now you're kind of saving money instead of taking that 75 cents and putting it in the tip chart, it just automatically just goes to Acorn. And then you can go, you can invest money that way. Yeah.
I might be wrong, but I'm pretty sure that the Yankees that used to be married to J-Lo, or dated her, the big baseball player.
Gosh, what's his name? A-rod yeah, I think he's yeah. A-rod. I think he's one of the backers of that. Okay. Yeah. And he did it for that reason cause he knew like minorities might not be able to he'd literally set up minorities might not be able to just afford like a big lump sum, but he wanted them to start learning and investing.
Rob: What a great concept, because it is I mean.
Melissa: It makes it accessible for anybody.
That would be great for us to start.
Bret: Most of these, most of these apps now don't charge fees for trades.
Melissa: Okay now. So where can everybody go and follow you?
Rob: Like what's the best way that we can say?
Bret: On Instagram, they can DM me, I pretty much answer all the questions. I don't have a VA answering my questions.
You know, the financial ones. I usually, you know, it's like, you answer the questions that you are the most like you know, I cook and I put some cookie thing in there. Like, what do you use for this? I'm like, hey, you know, like, if somebody is asking you about like, what do you think about this? Like, somebody just asked me today, like, what I think about like the AMC type stocks that, you know, like, you know, that run up really fast.
I'm like, I just don't get involved. I go cause they can go to zeros. This pas they doubled.
Melissa: It went up. Yeah. Yeah. So we'll put your, a link to your Instagram account below.
Rob: We'll put the links below for some of the recommendations. Yeah, for sure.
Bret: For sure. Yeah.
Melissa: Thank you so much.
Rob: This was awesome. So much fun hanging with you and learning some more. So yeah.
Thank you.