Mm-hmm.

Places like FedEx, I believe Starbucks, and there's probably a handful of others do make subsidized, or at least healthcare, maybe, I don't know how subsidized it is, but they make their, uh, group policy available to part-time employees if you meet certain hour, you know, uh, requirements.

Um, there's health sharing, uh, usually faith-based.

It's not really insurance, but kind of looks and feels like insurance.

That's potentially an option.

Needs heavy, heavy researching, though, to, to make sure you know what you're getting into with those.

[laughs]

Uh, there's catastrophic coverage if you can get it, where it's not full-blown insurance, but just stuff that covers, like, the real big things if and when they occur.

I wrote it in his honor.

It's a Monte Carlo is an interesting one.

And I fully agree.

I think people misuse it, misinterpret it, misunderstand it.

Shooting for a hundred is knowing you're leaving way too much on the table.

You're going to shoot yourself in the foot and not enjoy your resources and assets as much, as much as you could and should not to say there aren't people that are running at a score of a hundred, but to try to target 100 is not the way to think about it.

And so, And just for those who don't know, Monte Carlo is the chance of you dying with anything more than zero, whether it's $1 or $100 million.

And there's

But tell us about what a tenant is, why you named your firm Tenant Financial, and how that might apply to personal finance.

So a tenon is a form of joinery connecting two pieces of wood together.

It's called a mortise and tenon joint, where a tenon is essentially just a square peg, and the mortise is the receiving square hole that the tenon goes into.

Time-tested, very simple, but very strong, secure, stable, et cetera.

Now, I'll lead with the cheesy manufactured story of why I called the firm Tenon Financial.

And I'll give you the real answer.

So the cheesy manufacturer story is like the woodworking joint, mortise and tenon, retirement planning doesn't need to be fancy, doesn't need to be complicated.

So tell us about your focus, your strengths, and the growth of the firm, purpose, meaning, all that stuff.

Yep

... think how we think.

It's on you to go research them.

And so that, that list was up there for a couple years, and it was, it was fascinating to see the number of folks that I've got in contact with and, and became friends with on LinkedIn or even in person who started their firms or converted their firms to flat fee, not just to get on that list, but definitely, um, I, I, I firsthand witnessed a really large growth in firms who went flat fee that included investment management, uh, retirement-focused, et cetera, 'cause I personally saw 30-something, you know, um, come up or, or convert during, during my, my few years of when I was full to when I was giving away, um, all these, these prospects to other people.

Eventually, we, we can get to this later, but the SEC in effect made me take that list down in a roundabout way, so I was no longer able just to freely say, "Hey, here's other advisors to reach out to." But I, I did have the, the, the interesting position of, like you said, I, I had large, and still have, large, uh, social and online outlets, and even though now they're not direct extensions of my business, so I have the Facebook group, which we talked about a lot last episode.

I've since started a podcast which has grown rather large in its own right.

Um, still a YouTube channel, which I'm kinda not too active in anymore, and created a website.

Right