Against 'Die with Zero'

In this episode, I delve into optimizing life while leaving a meaningful legacy. I critique the "Die With Zero" concept, popularized by Bill Perkins and others. Perkins stresses intentional living by managing time, wealth, and health effectively, but at the expense of family wealth and legacy.

I also explore the societal shift towards individualism and instant gratification and contrast it with the traditional values of family and legacy. The role of the family can be in providing support, guidance, and purpose. Building family wealth and nurturing intergenerational connections are ways to leave a lasting impact that extends beyond one's lifetime.

Episode page: www.simplewealthkc.com/post/against-die-with-zero

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Andy Flattery is the Owner of Simple Wealth Planning, a Registered Investment Advisor. All opinions expressed by Andy and guests are solely their own opinions and do not reflect the opinions of Simple Wealth Planning. This podcast is for informational and entertainment purposes only and should not be relied upon as investment, tax, or legal advice. Clients of Simple Wealth Planning may maintain positions in bitcoin and the securities discussed in this podcast.

Transcript

Andy: 0:00

Before we get started, the following includes several clips that I pulled for this episode, some of which include some profanity. Just a quick heads up. So here's the new podcast schedule. I will be releasing an episode of the reformed financial advisor podcast. When I have something, when I feel like it. This is an episode that I, um, had meant to release last fall, which is when I started working on this. And, um, just never had the time to put it out for various reasons, not to make excuses. I went through a major surgery, a few other things that had happened and it just didn't happen. And the reality is I just don't need to, um, follow the conventional advice and have a regular podcast schedule. This podcast, scratches an itch. It's a flattery following his own curiosities. And, that's what I. Always we'll intend it to be going forward and the way to, um, check in with me and find out. What's on my mind. And what I'm going to be releasing is to subscribe to the podcast on your preferred podcast player. And that's how you'll know when I have something come out. The reason why I say that is I I've given up social media for sort of my Lenten fast for about 40 days. I will not be posting any of this on social media, but if you subscribe. To the pod on a podcast player. You're good. You're going to find out what's going on with me and the podcast, but as it stands, um, we're back and the show must go on. And so. Today, I'm going to be doing a analysis of die with zero. Um, must die with zero. And I'm going to offer some reasons not to die with zero, so let's get into it. So the state of Iowa does an admirable thing and they recognize families. That have owned that. I should say, held title to a farm. For a hundred years and the flattery family that I come from. Was awarded with this recognition. Twice a once in a 2021. And then once this year in 2023, because it would have been, my great grandfather would have bought a couple of plots, um, a hundred years ago, 1921 and 1923. Which. Uh, were passed onto my grandfather and then is still in the family to this day. This is something that I think my, I think my dad's proud of. I think just as a, you know, my extended family is quite proud of. It's uh, you know, the, I grew up a city slicker, so I did not grew up a farmer, but spent a lot of time on the farm with grandpa and. it's sort of the identity of our family, even still my family has been farming in some way, shape or form. In Northwest Iowa. For 150 years now. Uh, which is pretty cool. You know, I, I think I probably grew up with the ideal American American upbringing we were far from upper-class. We, you. I certainly didn't have the silver spoon, but I had sorta every advantage that that you'd want. No, this is a very humble version of multi-generational. Legacy. If you will, for financial legacy. Maybe it's the ideal version of it, but at least in principle, it's in contrast to. A growing. Feeling that there's something wrong with heritance or inheritance is, is bad you get this celebration of the Warren buffets in the bill gates who have famously started their giving pledge, which encourages wealthy. Uh, people to give a majority of their wealth to philanthropic causes and it's been widely celebrated by. All of our so-called elites, the Elon Musks, the Zuckerberg, the Larry Ellison's many more have signed this pledge. And I think that the general public. Tends to celebrate this idea. And, uh, you know, I think the sentiment is that, you know, capital should not stay in families for more than a generation or two. That's sort of the typical American sentiment I heard. Um, Josh brown joke wants that we don't like aristocracy in this country, but we do like. All the gospels that was sort of his, uh, Kind of funny, cynical way of looking at it. Now to steal man, this argument. Uh, die with zero. I'm going to, I'm going to analyze bill Perkins today, who is the author of a book called die with zero. Getting all you can from your money and your life. Um, I'm looking at the Amazon listing right now. It's got 3,900 reviews. Um, I've never read the book and I'm familiar with the title because it comes up a lot in like, my financial planning circles. People talk about. You know, giving this to like retiree clients. that, you know, need to find a good way to spend their money in retirement. And,, in the spirit of the reformed financial advisor podcast, I I'd like to offer a little bit of Critique of the idea now, full disclosure. I've never read the book. I don't know if I have to, but I'm going to play some clips of a, uh, Interview with the author bill Perkins, which I think is, I don't know. I think it's kind of. It captures just about all I need to hear about the idea of diet with zero. Now, of course, as with all these things, there are certainly some merits to the idea. Of die with zero and perhaps I'll be able to get into that. The thing is there are a lot of books to read and I read all the time and I have to be selective about the thing that I am reading And I just don't know if I have time to read yet another business book or. Um, sort of pop personal finance book and from what I've heard from the interview is. I just don't know if it's that deep. Now I will say if you've read the book and you listen to my analysis here and you think I'm dead wrong. Um, let me know, and maybe I will have to give it a shot, but I'm assuming I'm getting the basic idea from this interview, or at least enough to sort of analyze The ethos. I think I'm good. And there's a lot of books in the world that I could read and I have to be sort of, uh, particular about my time. what I'm gonna do is I'm going to share with you a clip of bill Perkins and let him sort of intro the idea with die with zero. I have a, I have a deep fear of wasting my life Right. You don't want to be playing skeeball, get like, I don't know, a million tickets and just walk out. Right. And that, that was kind of the idea of like working for money that I never would spend or never use. And so I was like, I don't want to waste my life. I don't want to waste my life. Um, what does that mean? How do I optimize my life? How do I get the most out of my life? Regardless, you know, if I'm going to spend all my money, when, how does that curve work? You know, so I looked at life as kind of like this optimization program, um, and I tried to distill the variables and the variables were your wealth, your health, and your time. And I was like, I want to get the absolute most out of this life. Absolute most. And so. That's the save my life. If you save somebody who's drowning, right, let's say you walk by and they're drowning and you go in and you do the mouth to mouth and they cough up the water dramatically and you're like, oh my god, you saved my life. And I go, guess what? They're still going to fucking die. They're just not going to die that day. So, what did you really do for them? You gave them more, I love you's, more walks in the park, more trips, more experiences basically. And so you've optimized their life for more experiences by pulling them out of the water that day. Um, and so when I write a book about optimizing your life, like not wasting your time being deliberate with your money and getting the most out of it, I feel like I'm doing the same thing to a certain extent. I'm giving you more, I love you's, more walks in the park, more fulfillment. All right. So there's the basic idea. And here he's going to share his sort of, um, I think defining principle that all of this is sort of built on and it's this principle, he calls it net fulfillment. a lot of people run their lives on a counterfactual regret minimization solving for the highest net worth, right? And I'm like, no, let's run the algorithm. Solving for net fulfillment, because that's the purpose of life, right? So we're, everybody agrees with me. Like, okay, good. What resources do we have? Well, we're going to use your wealth, your health, and your time. How does that apply? You know, I could do it. And again, we were, you know, we're, there was a lot of debate about how do you sink this message into people, right? Like people don't want to look at a bunch of spreadsheets, right? They want to apply it in a visceral way. How do they get the concept in a visceral way? And that's why the book opens with my friend's death. Right, because death has a way of waking people up. Tell us that story. Um, so my, my friend Erin Brodson, um, her husband, um, He, he, he just all of a sudden got diagnosed with cancer, right out of nowhere. She calls me up. She knows I do a lot of archaic research in medical and donate medical. Like I went deep dive into MS, um, and, and had a, had a study actually published on the cover of journal nature. You only see small ventures USA is funding, but I was getting sequencing machine, whatever. So I do the deep dive. And then I, I, and the deep dive, like I'm some sort of medical professional. I did the deep dive as an, as an, I did enough research to know this is it, right? This is over. Um, you know, I said, Hey, you need to take time off, spend, spend time with each other, go with the kids, et cetera. She was already on, on that plan, but you know, I was there to assist, right? Like whatever you need. Um, do we, uh, You know, go enjoy the last, last time together. And it's hard to say that without saying that, right? Like you have no hope, right? Obviously, you're always out for hope and they're doing experimental research. And, um, he, uh, he eventually, um, was on the East Coast and, you know, as frail as could be, right? Um, died. She violated. She was going to violate a promise she made to him, John, by, by letting the kids see him before he died. So he, he was, he was going to go, she calls me up and she's like, I got to let the kids see him before he dies. I told him he didn't want the kids to see him this way, but told him not. I got her a plane, got him on the plane with the, you know, all the contraptions and he died in the air. And they had the land. And so, that's that story, right? But, you know, the point of that story is that that's everybody's story. It's just, we just have an elongated time frame. You know, John had a month. You have, I don't know, I look at mine, you got 4, 000 weeks, 2, 000 weeks, you know, whatever it is, right? And so the question is, is with that vacation that we have here on Earth, right? We have a vacation and it's going to end. What do we want to do with our time here? What do we want our story to be, right? So, he was an unfortunate event, but they provided clarity on what they wanted to do each day. Right. And we have that same unfortunate thing, but it's so far away. We're not really paying attention to our death. We're not remembering death. We're acting like this vacation never ends. Right. Um, and we're living on autopilot, which autopilot is great. It helps you drive home without thinking too much. It helps you do your job and get good at your job and skills, but it also puts you in this path to survive, not thrive. And so, this kind of, hey, you're going to die. Hey, this vacation is going to end. This kind of like, slap across the face, wake up. Is, I think everybody needs. And that's why I started with death. All right. So this part is obviously very compelling. And I think if we just stopped the podcast here and that's all you took away from this, the memento Mori, think on your death. Um, this is good stuff from, from bill and, uh, this is motivating and, uh, to give bill credit, I don't know if I've ever given that sort of motivational speech, um, in the same way he just did. So. Um, good job by bill now. Um, I think, uh, I think this is good because we just don't think about death. Um, it's um, you know, death has sort of kept in a closet. Death is something that is, is done clinically in a hospital. And, you know, it's not all around us and maybe the same way that it has been at different points in human history or something like that. So I think it's good that bill is, is bringing up the idea that we really need to think on our death and really. Uh, the decisions that we make in life should really begin with the end in mind.

Norm MacDonald: 13:57

How's everything going? Oh, great, man. Couldn't be better. Life is, uh, is fantastic. Yeah. I like life, man. You do? Really? Oh, my God. People are complaining about it. First of all, you're lucky. You're lucky enough to be alive when you think about it. You know what I'm saying? Your mother had to have sex with your father. That your grandparents had to have sex. Grand, great grandparents had to have sex. It's lucky you're alive, my God. It's amazing. And I'm so happy every day. You alive because it's just a fluke. There's so many, many more people. That never got to be alive. You know? That's an interesting point. I guess you're right. If you do the math. When people talk about it, I'm like, man, it's the greatest gig in the world. Being alive. You get to eat at Denny's, wear a hat, whatever you want to do. Yeah, yeah. Get haircuts.

Andy: 14:50

Let me share this next clip with, uh, bill Perkins die. I was zero. The first one is maximize positive life experiences Right. So, you know, it's kind of like, how do I have this broad definition of what is the purpose of your life, right? And when I say experience, I really mean your choices, right? Like you make a choice. I have the, I have a choice. I can wake up, I can come on this podcast, I can drink water, I can drink a sugary drink, et cetera. And those choices drive our fulfillment, right? And they're different for each person, right? Somebody like I'm maximally filled. Fulfilled playing a game of chess somebody's like it's swimming for me. It's travel for me It's doing charity work and doing you know, I make no judgment about what that is But what I say is is that life is the sum of your choices life is the sum of your experiences Life is the sum of your positive experiences. And so if you trying to get the most out of this life, let's Make the high score positive life experiences. So let's maximize those, right? So now we have a metric that all of us can think about. Something optimizing for, right? And so we, we, we have this kind of, um, it's a variable, right? And that variable means different things to different people, right? And different and different, you know, mixes, right? But we know we're solving for that. And we, and if we're, if that everybody kind of gets on board, like I agree. Right. I'd have an inbound, like, no, that's not what I want. I said, well, experience can be anything. It could be charitable. It could be hedonistic. Right. For some of my friends, it's as many girls as they can get. And for some of my friends, it's as many lives that can impact and, and, and, and, and change in a positive direction. Right. I cast no judgment. I just say, Hey. What you're solving for, this is how we get the maximum. All right. So don't know if you just caught that, but, um, you know, if the goal of financial freedom is, is true freedom, And then the question is it's freedom for, for what? And so if, if it's, um, freedom to sort of just kind of live a hedonistic life, I would argue that perhaps that isn't true freedom cause true freedom is to do what you ought and not necessarily what you, what you want. I think this is where we're, we're starting to get off track here with die with zero when it's just sort of like agnostic. The shallow sort of, um, Social media girl thing. When, um, girls used to be alike, live life to the fullest and it it was kind of like a little wink and a nod saying like I'm promiscuous. I think. I think what's happening here is it's just, it's falling a little flat. And it's turning this like, you know, memento, Mori thing, think on your death. Into a, um, just sort of a hedonistic do whatever you want in the time that you have. If you sort of check off everything on your bucket list, Then you will have, um, fulfilled everything that you want in life. And, um, you're good, but I think, if you truly want to thrive, the answer is you, you want to have freedom to do what you aren't and you want it, and then you should do what you are. And so I think that is a sticking point here that we're getting to with this. Um, sort of die with zero. Mentality. I tell people like, it's not in the book. Life is like Tetris. Everybody, you know the game Tetris? You know, I use the example, let's say you're in heaven and you're about to be born. And God's like, here's the infinite bucket of experiences. Choose what you would like on your adventure. And you're like, okay, this sex thing seems interesting. 10, 000, maybe 15, 000 times. Okay, uh, I want to ride a bike. I want to get a job. I want to get graduated. I think I want to get married and have kids. I want to marry and have kids. I want to You strip clubs. That's interesting. I'll throw in a couple of those. You know, biking. I want to get an award. You know, you just, whatever. I'm just making these things up, right? Play baseball. God goes, Alright, you can have them all. The only one thing. Only one thing, only one condition, you got to get the order right, right? And so the people that, like, do the marriage thing and have kids and then put the strip club afterwards, don't kind of get the high score, right? Because it interferes with it. These are dynamic decisions, right? Or they put the Hella skiing Mount Kilimanjaro at 86 is kind of in the wrong spot, right? Like they don't get fulfillment for it and they can't do it, right? They waited too long. They, they should put that there and then this here, right? All right. So. Again, I want to sort of affirm that being deliberate, um, or, you know, the word that you hear a lot is like intentionality. Is a good thing. If you have some resources, you should be a good steward with those resources. You should be deliberate about how your, making best use of it. I guess I just sort of continue to bristle at the idea that. It's sort of a value agnostic process of figuring out how you should, um, make best use of these resources. So for example, like. What if my sort of net fulfillment in life is to, um, eliminate the kitten population of, of the earth. And I start a nonprofit whose goal is to sort of drown baby kittens. Um, because not only do I want to sort of eliminate the kitten population, but I get net fulfillment out of seeing baby kittens drown. Like, is that a good thing of, of course not right. I mean, that's, that's. Like, hopefully you don't want to see a lot of baby kittens drown. Um, and I would say, you know, bill should have put that in his book, like, okay, okay. Straight it's net fulfillment for you, but if you're drowning baby kittens like that, that is taking it a step too far. So I think it's just missing that.. Um, a, it could be like just pure hedonism or B it's just very surface level and it's not. Getting to sort of the real things in life that give us true fulfillment and true joy. And that's what I. I. worry about here. I'll be optimizing for FOMO at every wealth level, it doesn't really bother me. I'm really happy to be alive and I think everything else is gravy. Give money to kids and charity early. Yes. So this is, this hits a lot of people. So like some people might like be too scared to implement Daiwa Zero. They, they might still argue about a principle. But one thing that hits a lot of people is, um, you know, that the same laws of physics that govern my body, right? The fact that most of us reach mental maturity at 28. Physical peak maturity at 33, and then we're in plateau and decline. Every human, right? There might be some wild exceptions, right? So, if you're at the bestest, bestest, bestest shape of your life at 33, you'll never be in better shape, right? Technology, notwithstanding, right? So, um, so, and then their ability to, um, enjoy experiences, certain experiences, will decline as they age, right? They have that, that same Same, um, lifespan, arc of lifespan, deterioration, et cetera, right? And they also get the memory dividend, right? Using the memory dividend and investing early. And so if you live to like 86 or 90 and you die and then you give your money, kids, you know, people say, I'm working for my kids. What about their inheritance? I'm like, well, what about your fucking kids? Who, you want to give money to a six year old, 56? Like, eat a bag of dicks. Sorry, am I supposed to say this on this podcast? Like, what the fuck are you talking about? That's not thinking about your kids, right? We want to have maximum impact. All right up until this point, we really haven't talked about inheritance and you could sort of do a lot of the things that Perkins is talking about. Living your best life and still leave some sort of inheritance, but here he sorta Getting this idea of just, um, giving earlier to your kids. And this is often presented as, as an idea. And I guess what I would say is, you know, of course you could do both. And I think he's, he's, he's sort of off the mark a bit when he's talking about. You know, giving your children maximum fulfillment and that's, our goal should be to help them, um, sort of live their best life. As well too, it's again, it's, it's sort of falls kind of flat. But you could do both. Who is to say that there's not, um, a way to sort of help launch your children. Um, help support them while they are in their lower earning years. And you have resources to help support them and their families. And sort of, uh, leave some sort of inheritance or, even better. An idea that I'm going to get into is sort of even start, building family wealth, which I think is even a little bit different or more nuanced way of thinking about. Inheritance. Not just giving children's stuff that they get upon your death, but actually starting, um, actually having family wealth that belongs to the family as a whole. So I want to propose here, the, uh, institution of the family or growing. The institution of your family. As something that is worth. continuing. In the next generation and generations to come. This is a, um, This is from a book called family fortunes by. Bill and we'll Bonner. There's a section that's called the family versus the state. It says, quote, people are social animals. They need organizations, institutions, and collective arrangements that suit them. Family organizations come naturally. The family extended to uncles. Aunts cousins and so forth has been the most important grouping for most of our time is humans. It used to be the family that provided most of our wants and needs from shelter to food, to clothing, entertainment, companionship. You name it? The means of production were controlled by the family. Production took place within the family. Only mating was and still is usually done outside the side of the family. It goes on to say families receded in importance with the rise of the social welfare nation state. The promise of modern government was that it would take care of its people and the illusion was that it didn't matter what kind of family you came from. That you would be equal to every other citizen. You would have equal access to public transportation, public education, job opportunities, and ultimately a good life. So, so I think in. And sort of just using this like net fulfillment metric as a. Uh, way to sort of gauge if you're doing a good job of spending your capital. It doesn't. It doesn't, consider the fact that, you know, some of us might be trying to grow a family or using our capital to sort of bolster, um, our family as an institution. The last thing I'll read here from, from bill Bonner is people with some family money behind them are more likely to start successful businesses. Successful families, help their members overcome problems. Help them get back on their feet when they fall, they help them in countless ways. Most of them are measurable. as I kind of mentioned at the beginning of this, most successful people do in some ways. Start on third base. It actually is uncommon that someone, um, is a pure rags to riches story. All of us come from somewhere where we were probably given a leg up by somebody in, in our past. And that's the idea of trying to build family wealth. I don't hear that in the die with zero concept or in this sort of net fulfillment metric.

JImmy Song: 26:40

Yeah, so it used to be that we depended on our families for a lot of different things. Um, unfortunately with fiat money you have Essentially, the moral obligation as the money printer to solve lots of problems, and this, this is always sort of the argument politically that everyone gives for, you know, free health care, free housing or free whatever, is that, okay, I have this problem.

27:06

So here I'm playing for you Jimmy song, who was being interviewed on the Bitcoin standard podcast.

JImmy Song: 27:13

And because you can print money out of nothing, you have to solve it. And, I mean, being sort of like reasonable, like if you want to keep the Ponzi of, uh, FIAT going, you kind of have to respond to that as a government. And so they say, okay, well, we'll, we'll take care of your needs this way and that way. So at a certain point, you, you no longer need that, right? It becomes a sort of a very alienated and sort of different relationship that we have with our families. It used to be that, you know, that, that was your primary identity. Instead, now it's. You know, whatever company you work for, the job that you have, or, you know, however you fit into a giant sort of Fiat machine, but, you know, families used to be a lot closer and a lot more abundant and so on. Instead, we've gotten to the point where everyone is just sort of. taken care of in many ways by the government, uh, or dependent on the government. And once you induce dependency, well then, you know, all these other things are kind of extraneous. So people aren't investing in their families. People are a lot more narcissistic, thinking about their own needs. As you would say, They're very high time preference because they have this sort of like safety net that's provided for them in all sorts of ways. So, you know, Fiat money essentially changes the incentives of the life that you're leading instead of personal responsibility and trying to create a legacy for yourself. It's just about surviving and having fun now rather than. You know, building something for later and families, as you're very well aware, require a significant amount of, uh, long term planning and, uh, and low time preference behavior, which, uh, you know, honestly is antithetical to the fiat mentality. So it's no surprise then that we have lowering. birth rates pretty much everywhere except for Palestine and Israel for some reason. Well, I, we, we know the reason they're, they're, they're like preparing for war or something, but, but other than that, those places everywhere else, you know, birth rates are declining because No one is thinking about leaving a legacy.

29:28

So, this kind of brings me to my last point. being a, a father, being a husband. Being a patriarch. If you want to use that terminology. It just gives you a purpose. It gives you a purpose that, um, you know, guys have had for thousands of years. that have been doing the same thing for thousands of years. So you don't have to reinvent the wheel. You don't have to, um, Write your own script. Come up with some super creative, deliberate, intentional way to achieve net fulfillment in life. If you do your job and you do it well, you are a hero. You have achieved the adventure. You have made an impact on, maybe one person, maybe a couple of people, maybe generations in some circumstances. So. I think the last thing that I would say is like, perhaps you don't have to be super deliberate, super intentional, super precious about every decision you might ever make with your money. Maybe just be a good person. Be. Uh, be a good man and, you know, kind of in the same way, like our, our grandparents are a great Grandparents would have thought of, how to handle money. They weren't very precious about it. You know, they just, they just were good people. They were trying to do simple things like make life better for the, for the next generation, make life better for our kids. And I'm here to say, like, I think that is okay. So here is Katherine Boyle. Making this point, she appeared on the moment of Zed podcast, and I want to share this clip. We did grow up in a generation where we were told like you win the trophy. If you participate, you are the main character. You are exceptional. Like everything about you is interesting. And it turns out, now at midlife, not true, like, not true, except for Solana. And you want to just like, we got to get this straight, so it's true for some of us. But I think the biggest difference between our generation, our grandparents generation, is that like, our grandparents generation just did stuff. They didn't really think about it. They were, and they were thinking about it too, in terms of like, everything will have worked out if my, if my children are better off than me. How often do you hear 35, 40 year olds saying that? Like, that what they are working for and living for is the next generation that will outlive them? Like, no, it's mostly about, like, how interesting am I on Instagram? Like, am I the main character? Am I, like, moving up my rank in society? Do I have high status? It's not about the family unit. And Eric and I talked a bunch about this, uh, previously, but like, I, I think this is like the real issue is that if you're thinking in terms of am I bettering off my family, you stop thinking about yourself when you hit that point that Dan's talking about. But if you're still in the millennial, like I am super interesting and I want everyone to know how great I am, like the misery just overcomes you. If you can't tell already the reason why I'm sharing. Jimmy song, Katherine Boyle on these points is they can articulate this. Much better than I can. So I hope you sort of appreciate my little mix tape. Here of this podcast. Uh, what I want to leave you with? There's a great movie. It's a, maybe one of the last great Clint Eastwood films called Gran Torino. And in the end, the sort of spoiler alert climax of the film is, um, when Clint leaves his inheritance and it's done. Uh, there's a courtroom scene where the judge is reading the will and his, his next door neighbor, the Chinese kid who, Clint, becomes friends with, but also, um, kind of fights with throughout the film is given the sort of beautiful, um, The beautiful vintage Grant's Reno car. Now here's my question. Should Clint Eastwood have died with zero. Should he have sold the car or given it away earlier Well, no, like in the context of this film, it was, um, sort of the highlight of what, one of the highlights of the movie. Uh, now maybe there is a critique of the, sort of the legacy that Clint left for his kids. And I think that's kind of a good commentary on his generation as well to the fact that he didn't have a good relationship with his kids. But in the context of the film. Leaving the legacy of the grand Torino, um, was awesome. It's like the, that was the perfect ending for the movie. So I'm gonna leave you with the final scene here from grant Reno.

Gran Torino: 34:00

And I want to leave my house to the church because Dorothy would have liked it. Now, which brings us to our last item. And again, please excuse the language in Mr. Kowalski's will. I'm simply reading it the way it was written. And I'd like to leave my 1972 Grand Torino to my friend Tau Van Lor. On the condition that you don't chop top the roof like one of those beaners. Don't paint any idiotic flames on it like some white trash hillbilly. And don't put a big gay spoiler on the rear end like you see on all the other Zipperhead's cars. It just looks like hell. If you can refrain from doing any of that, it's yours.

35:18

All right, and with that I'm going to take my own advice and spend some time with my boys Let me know how I did on this one If you want to shoot me an email andy at simplewealthkc. com I got a little takey on this episode, but I think it's an important topic And i'll leave you here with bruce hornsby