Not Just a CEO ft. Randy Knecht

Whether it was running in the door to make it to his kids' activities, or it was giving back to the community through his time, talent, and treasures, Randy Knecht's career at Journey Group was about more than just being CEO. Recently retired, Randy shares valuable lessons for current and future leaders.

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Transcript

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- Don't try to have it all figured out before you retire. When you're working, you're not in the right mindset to make those decisions about retirement. One of my coaches said,"It will come to you, so don't worry."[upbeat music]- Welcome to "Common Cents on the Prairie", a podcast dedicated to helping you demystify the sometimes complex topic of money. I'm Adam Cox, head of wealth management for The First National Bank in Sioux Falls. We're a community bank based out of South Dakota. In this podcast, we share expert insights from around the country and stories from our local community to arm you with the tools you need to make better financial decisions. Because the truth is, the more we talk about this stuff, the better off we're all going to be. Today, I'm honored to be joined by Randy Knecht. Randy is a South Dakota native who grew up in Aberdeen, South Dakota, and graduated from Northern State University. After graduation, Randy moved to Sioux Falls and spent six years in public accounting as a CPA with RSM. Randy went on to spend 30 years in the construction industry, retiring in December of 2025 from Journey Group. He joined the company in 1994 as CFO and was appointed CEO in 2010. During his tenure, he led an outstanding group of dedicated and talented professionals. Randy has generously served on numerous boards and committees, including Avera McKennan Trustees, Sioux Empire United Way, and the Sioux Falls Development Foundation, just to name a few. Randy is married to Tamara and has four children, two adults and two still living at home and attending Sioux Falls Christian. I hope you enjoy my conversation with Randy Knecht. Randy, welcome to the show.- Thank you, I appreciate the invitation.- Yeah, happy to have you here. You cool starting out with an icebreaker?- Yeah, absolutely.- Okay, all right, what's one thing people would be surprised to know about you?- I think it would be that people who don't know me and maybe had just met me, when I tell them that I used to run marathons when I was in my 30s, half marathons and marathons. I think people look at me like, you look like you're a football player, not a runner, which I was.- You were, yes.- I did play football and a buddy of mine got me into running, early 30s, and I hated running my whole life, but he encouraged me. He did it the right way, said,"Hey, we can, let's just do a 5K.- [Adam] Yeah.- But if you can do a 5K, you can do a 10K. So he kind of worked me into it, and then pretty soon we ran several half marathons, all the ones in Sioux Falls here.- [Adam] Yeah.- And then we ended up running Chicago together twice.- Oh, cool.- So, yeah, and then that last one was in 2004, and I tore some cartilage in my knee during that race. Didn't know it until the race was over and my knee blew up on me. That kind of ended my long distance running.- That was the end of it.- That was the end of it, yeah.- I think people would be less surprised that you ran than that I used to do triathlons, so.- Oh.- Life happens.- Yeah, good for you. I can't swim worth a darn, so.- Oh, really?- I was never going to be a triathlete.- No, yeah, I could swim.- Good for you.- I could swim, but running's tough. Yeah, running's tough.- Mm-hmm.- Okay, well, let's start this conversation where I always like to start. I'm way back at the beginning. I'm always interested to hear about people's upbringing when it comes to money. So as you think back to your earliest memories around money, what are some of the things that you remember?- Well, we were very much a middle class family. I was, I learned, you know, early on, my dad worked construction his entire career.- [Adam] Okay.- Mom stayed at home with us, raised us three kids, and then once we were kind of old enough to take care of ourselves, she started in, worked in banking.- [Adam] Okay.- And did that until you know, later in her career. And when she retired, what I learned was that if I was, if I wanted something or if I needed something, if I really, if what I wanted something, I was going to have to earn it. And so I had a job, jobs really early.- [Adam] Yeah.- My earliest job was a paper route, so maybe like a lot of kids, but growing up in Aberdeen, having a paper route, you had to drive down to the American News, which was on the other side of town. So my dad built me a cart that I could pull behind my bike.- [Adam] Okay.- It was an old grocery cart. He put bicycle wheels on a grocery cart. And so I would drive down to the American News, pick up my papers that I delivered in this cart, and then do my route. And so back then, the paper was delivered after school.- Sure, okay.- This is kind of how it was done.- [Adam] Yep.- But one thing, and the reason I bring that up when learning about money is back in those days, not only did you have to deliver the paper, but you had to collect for it as well.- Oh, interesting, okay.- Yeah, so I you know, it taught me a lot of things. So one was, and it was say like 2.50 a month. It was, you know, cheap.- [Adam] Yeah.- Compared, you know, what it is today, but you had to learn how to make change. So nobody, credit cards weren't used then, it was all cash, right? And so you'd have to go knock on the door and say,"I'm here to collect for the paper." And they would, you know, they'd pay you for it and you give them a little stub. So I learned money skills. One was how to make change.- [Adam] Yep.- And the other thing was so when you collected the subscription fee, it also, what was included in that was my, what I got paid. So what I would actually owe for the paper back to the American News was less than what I collected.- Sure.- So it taught me margin. Right, how to, you know, what margin was all about. I learned those.- Yeah, don't give any discounts.- Yeah, yeah. I learned those skills very early on.- [Adam] Yeah.- And so I had a paper route job until I could, you know, old enough to actually get a job in a business. And so when I was in high school and college, I worked in grocery stores. And so, again, so that's how I was able to buy a car, you know, pay for the other things that I wanted. And now my parents provided the things that I needed, right?- Yep.- Clothes and food and that type of thing. But anything that I wanted, I learned early that I had to, the value of hard work in order to get that, so.- Yep, yep, oh, that's great. Were there things that your parents taught you about money? Any money memories that you have from them that you still carry with you today?- Yeah, so my parents are very conservative. Both grew up on farms.- [Adam] Yeah.- Again, very hardworking. We just, we never did anything extravagant. Like, we didn't have a lake home. We didn't have fancy vacations. I think like the, I was only on a plane one time before I graduated from college and that was to go to L.A. to visit our relatives out there when I was like 11 or 12 years old.- [Adam] Sure.- Only time on a plane. Otherwise, if we ever took a vacation, it was in a car and it was only, you know, a couple hundred miles away. We went to Wisconsin Dells, that's one of the vacations that I remembered in a car.- Yep.- So, very conservative. Again, middle class family, worked hard and saved, right? But, you know, the thing I remember was I was very comfortable with the middle class life. You know, I don't ever remember wanting things that maybe my friends had. So, just very happy. And I would say some, a lot of that has carried over to me today. So, still very debt averse. It's just kind of how I was raised. Work hard and save.- [Adam] Yep.- You know, so I think a lot.- Margin.- And margin, right? Yes, so a lot of those traits, I really learned from my parents.- Yep, love that. All right, we're going to talk a lot about retirement today, but before one can retire, they usually have to have a career. And that was no different for you. So you recently retired as CEO of Journey Group, where you were there for, what was it, 30 years?- Yep, a little over 30 years.- [Adam] Over 30 years.- Not quite 31, yeah.- Okay, okay. So that wasn't your first job out of college. So tell me a little about your career and how you ended up eventually becoming CEO of Journey.- Sure. So in college, I was fortunate enough to play football and had, you know, great, you know, all the great coaches and mentors I had in my life. I was very blessed. One of my college coaches kind of took me under his wing after, you know, my senior year, knowing that I was going to have to, you know, graduate, needed to get a job. So he arranged for me to have an interview here in Sioux Falls with McGladrey & Pullen.- Okay, RSM.- Which is now RSM, right next door.- [Adam] Yeah.- Ironic thing was, they were on this floor.- That's right, yes.- On this floor. And it was right down the hall here.- Yeah.- That I had my first interview with Deane Teut, I still remember as Deane Teut was the partner at the time.- Yeah, probably in my office actually.- It could be, yeah. And I was just thinking about that on the way over here. It's like, I had my first interview and might be my last interview might be on the same floor of the same building of my career.- That's ironic. Isn't isn't that ironic?- Yeah, but so this was, it was in March, right? I was going to graduate in May. So the interview went well and Dean offered me a job and I was just ecstatic, right? I was just so happy to have a job before I graduated. I accepted it right away, I was just thrilled. And so it was as a staff auditor. And so I spent six years with RSM, or McGladrey.- [Adam] Yep.- Here in town. And I did a lot, I traveled a lot. I was on the road a lot, and we were ready to start having kids, having a family. And so that wasn't going to, it wasn't going to work. You know, the family didn't want to be on the road all the time. So an opportunity came up, there was a controller position with what was then Sioux Falls Construction. So I thought, well, this would be great. I've only had one interview. I, you know, need to get some interview experience. So, interviewed with Jack Marshman and Frank Boyce. Those were the two principles of the firm at the time. And went through a couple of interviews and it went well. They offered me a position. And so that was in '94.- [Adam] Okay.- And so I spent the first 15 years of my career at Sioux Falls Construction as the controller, and then CFO.- [Adam] Yep.- And then in 2010, when Dave Fleck retired, I was named the CEO.- Okay, okay.- Yeah.- Long time, 30 years. So you mentioned work ethic earlier, and I know you're well known for your work ethic. Where did that come from? Was that from modeling from your parents? Or is that something that's just always been within you?- Yeah, I would say mostly it was modeled from my parents. Again, Dad working construction, he worked long days, never saw him in the morning. And normally he would come home, he'd usually be home, you know, later when he was not on the road, he'd come home, we'd have supper together.- [Adam] Okay.- So we were able to do that. But he worked a lot of, you know, weekends and just provided that that guidance, that example for what it meant to provide for a family.- [Adam] Yeah.- So, and then when Mom, you know, Mom wasn't working, but she worked just as hard raising us three kids and, you know, while dad was gone, but some of the things I remember is, and when Dad would work road construction, and in the summertime when we weren't in school, we would travel with him.- Oh, okay.- So there'd be the five of us, my two siblings, Mom and Dad in a 22-foot camper all summer long.[Adam and Randy laugh] And again, we didn't know any different, right? It was great. I didn't, you know, I can't think of how did we do that?- [Adam] Yep.- You know, three months together in a 22-foot camper, all five of us. But we made it work. And so yeah, so truly a lot of that work ethic came from my parents.- [Adam] Yeah.- But public accounting, it's tough too. I mean, during the busy season, there's a lot of 60 to 70 hour a week. So that's what I learned right out of college, right? So that was ingrained in me very early. And I think that just kind of carried through what, for me, for the rest of my career.- So you think about that work ethic, what were some of the good things in your life or your career that came from having that strong work ethic?- Yeah, I think the work ethic really provided the foundation for me. What I learned was, you know, I found that I was most productive in early, early in the day, morning. So I learned needed to go to bed early and get up early.- [Adam] Yep.- And so, I also learned that I needed to, you know, take care of myself physically as well. So I started going to the gym before work.- Okay.- Because that was the part of the day I could control. I used to go, earlier in my career, I would go over my noon hour or after work. Well, I, you know, you kind of lose control of your day once the day starts. So I always have control early in the morning. So I, and that set the foundation for me too. If I could get up, move, I felt great.- [Adam] Yeah.- And that, you know, that really helped provide the foundation for the day for me.- Yep, what about, there's two sides to every story. Any downsides that came from the strong work ethic?- Yeah, definitely. I would say, you know, my family probably took the short end of it a lot of times because a lot of times I, you know, I am not proud of it, but a lot of times I put business and the company ahead of my family.- [Adam] Sure.- And it's one of the things I probably struggled with the most throughout my career. And I would say it's probably one of the things I failed at, right? Was not always having my priorities right.- Sure.- So it was one of the things I think I got better at, you know, later in my career. But it took me a long time to figure that out and how to get truly that work-life balance and how important that is.- So speaking of that, not only did you have a really demanding career, but you also have been incredibly generous through your time in the community and, you know, had to be a dad and had to be a husband and a son and all the things. What did that balance look like for you though? Was that more of a keep the plate spinning? Was it an integration? What did that look like for you?- Yeah, yeah, so one of the things I think Tamara and my boys have realized is that being a leader of an organization here in Sioux Falls carries additional responsibilities to it. And especially when we generate a lot of our business in the Sioux Falls community, that means you need to be active.- [Adam] Yeah.- You need to support the community with your time, your talent and your treasure.- Yep.- And a lot of those things happen early in the morning or at night or on weekends. And so I was very blessed and having my family understand that was just part of the, it was part of the job.- [Adam] Yeah.- Of being a leader is giving back and being a leader in the community as well. So, but I always tried to balance that to make sure, I tried not to ever miss any of my kids' activities, you know, whether it was a, you know, on a basketball court or a football field or baseball field. I always tried to be there.- [Adam] Yeah.- And sometimes I was running in, right?- That's right.- Right as it started. But I always wanted to make sure it was a priority that I was there for them.- Yep. So, 30 years with Journey, 30-plus years with Journey, as you sit here today, what are some of the things that you think you're most proud of?- Yeah, I think I'm most proud of the team that we built.- [Adam] Yeah.- The culture also that we were able to attain and to build, and then the brand, right? You know, what Journey means in the community, I think that I'm most proud of that. And I hear it, you know, people know that, you know, Journey is you know, a community leader and it's part of our mission statement to positively impact lives by building community.- Yep.- So I always try to instill in our team how important that was that we do that. But I think that one of the things, one of the hardest things that happened in my career that I'm most proud that we were actually ever able to achieve was the changing of our name.- Mm.- After 100 years. You know, Sioux Falls Construction was really strongly branded in our community. And to change that in 2014 was very risky.- [Adam] Yeah.- Very risky at the time. And I remember sitting in a conference room with Joe Henkin at the time, Henkin and Schultz and saying, "Joe I just, you know, am I making a mistake here?" And, you know, he gave me examples of Sioux Valley becoming Sanford.- Yep.- Or Broin Companies becoming POET. He says, "It can be done." I'm like, "Yeah, but that's different." But it wasn't. And so it's easy to look back and say, well, it was a great decision, but at the time it was very difficult. And even some of our own people really struggled with, and, you know, really challenged me if we were doing the right thing. But I knew in order to grow and expand beyond the Sioux Falls area, we had to change our name.- [Adam] Yep.- And so getting our team to rally around that and to see the growth and success we've had as Journey Group beyond Sioux Falls Construction is probably one of the things I'm most proud of.- Yep.- Is how our team was able to do that.- We went through a similar thing, although I don't know that I wrestled with it nearly as much as you did, you're probably more conscientious than I am. After 100-plus years, we changed our name from a trust department to wealth management. And for the same reasons. It's like, I knew if we wanted to get beyond what we were before, sometimes the name is a signal as well.- [Randy] Yeah.- And it changes the tone and changes everything else. But yeah, it was a big deal. It was a big deal. How about anything as you look back on and think, hmm, I wish I would've done that differently, or I wish I would've done that better?- You know, I think obviously there were some decisions that maybe we wished you would've done differently, right? Ones that come to mind for me, probably when we, as we were growing, you know, one of the ways that we grew, we grew organically, but we also grew through M&A. And I think I underestimated the impact of culture when you do an acquisition and you can do all the, you know, you try to do as much as you can through due diligence and the financial metrics. All those things can make the most sense. But if you don't get the culture piece right, or if you don't uncover all the issues that you're inheriting with another organization, that can dog you for a long time. And so I think I would've probably focused more on the people side of the targets that we had as opposed to focusing a lot on the, you know, what's the financial impact here of this consolidation, of this combination of our two organizations.- Yep, that makes sense. All right, let's talk about retirement. So as we sit here today, you're like 30 days into retirement. So your perspective is going to be really interesting and I'm excited to get it. But as you rewind some, as you started to think somewhere in your mind, like, hey, at some point I'm going to want to retire. When that happened, whether that was a year ago or five years ago, when you started to think about retirement, what did that look like, sound like, feel like for you?- Yeah, and so we're, our organization is different than a lot of our competitors. A lot of our competitors are family-owned organizations, and we're a management-owned organization.- [Adam] Okay.- So, and I had been in this role for, you know, 15-plus years. And I honestly think that's a little too long to, and especially if you're not a family-owned organization, to be the leader. And the reason I say that is that, you know, complacency can set in, and I'm not saying it did.- [Adam] Yeah.- But it could, and fresh ideas can come from new blood coming in in leadership. And as I looked around our organization, as we had some young leaders up and coming that deserved an opportunity to lead. And so I think that was probably the biggest decision for me, is still having a lot of fun. We were, we had a lot of success, but at some point others deserved the opportunity to lead as well. So I think that's what started it for me.- [Adam] Sure.- And that was probably a couple years ago.- Okay, yeah.- Two to three years ahead of time that I started saying, okay, it's, you know, we need to start thinking about this.- Yep.- And what's the right timeframe.- Yep. Had you let yourself get to a place where you started to picture what your life would look like beyond Journey Group and working?- You know, yeah, a little bit.- [Adam] A little bit.- You know, it started with, as you, I think as that starts entering your mind, you start thinking about it more.- [Adam] Yep.- Like, and you start, you know, and you know, there, again, there's so many positive things that happen with our organization, our community, but you know, it can be tough too, right? It's a lot of work. And so I think the thing I started thinking about is I still have two boys at home, right? I've got Gavin, who's a eighth grader now, and Dylan, who's a junior that, hey, I could be spending a lot more time with them while they're still at home yet. And what would that be like? What would it be like to have more time with Tamara? And so that really started, you know, really kind of bouncing around in my head.- [Adam] Yeah.- A lot more. And I think probably the, you know, my retirement was at the end of '25, so the end of 2025, I think I was thinking more like 2027.- [Adam] Okay.- But as it became a little bit more clearer to me, company's in a great shape, I think we're right at a period where we can kind of go to the next level.- [Adam] Yeah.- And so, and we're, we were, you know, embarking on a new strategic plan in 2025, the timing just seemed right to bring new leaders in, you know, as we're kind of at the, right, at the ability to kind of take that next step, that next leap.- Yep.- It was just a good time for me to back out. And we had, you know, we hired from within.- [Adam] Yep.- So we, you know, the learning curve for our new CEO was relatively short and small because he had been part of our leadership team for five years. And so that made it easier and the whole process of the succession process went really smoothly.- [Adam] Nice.- And so, yeah, I couldn't have asked for it to go any better. And so that just made it a little bit easier to step away.- Sure. What were the emotions running through your head as you were coming up on your last day?- Yeah, very much bittersweet.- [Adam] Yeah.- I think the, you know, I so enjoyed working with our team and our clients and in the community, you know? So that just gave me, you know, so much satisfaction. So I'm going to miss that, right? I'm really going to miss that. But on the other hand, so that's the, maybe the bitter side is that I'll just miss the day-to-day interactions that I have. You kind of take it for granted.- [Adam] Yep.- That it's always there. 30 days in, I noticed now already that we just don't have all those interactions. But that gets replaced though with more family time, more time with my friends, more time to maybe do some of the things that I didn't have time to do before, so.- Yep.- So I'm kind of looking forward to that. And I don't have it all figured out yet. But then, I'm trying not to be in a hurry about it either.- Sure, yeah, yeah, that makes sense. So most people when they retire, you know, maybe they get some cake in the break room and they turn in their fob and they leave. You didn't have that experience because yours was very well publicized, as it should be, because you have had an incredible impact in our community and a very large role in shaping our community as well. And what was that like for you when that announcement went public? Was that, yeah, I, what was that like, was it strange?- It was, I mean, I think it was like, oh, it's reality now, right? Because you could always think about it and, you know, and conceptually like what it would be like. But once I saw it in print, I remember seeing it, it's like, wow, it's real now.- Yep.- [Randy] No going back.- No going back.- No going back. Yeah. But it also I think was, it was good in the fact where it is real now too. So now, you know, now we can move forward, right?- [Adam] Yeah.- And it's out there, people know about it, so.- [Adam] Yep.- You know, but it was, you know, those meetings with our clients were, that was again very bittersweet too because just, we were very fortunate and we were blessed to have really great clients. And so, you know, saying, you know, I dunno if it was necessarily saying goodbye, but, you know, it'll just be different going forward.- Yeah. Did you feel prepared for retirement? Like mentally, financially, spiritually, any of it?- Yeah, I would say financially, yes. You know, it has been, you know, we'd just been planning for this.- [Adam] Yeah.- So financially, it's fine. Emotionally and spiritually, I don't know yet, right? So again, I've been, I was really blessed to have good coaches and mentors, executive coaches and mentors and friends who have gone through this. And so I spent a lot of time with folks who had been through this before.- [Adam] Yep.- You know, up to like a couple years ahead of time, just as I was preparing for this. Like, okay, you've been through this, what advice would you give me? What would you do differently if you had to go through this again? And probably some of the best advice that I received and that I'm taking is that don't try to have it all figured out before you retire. And I would hear the others, like, people would say,"Oh God, I can't retire yet. I don't know what I'm going to do. I don't have it figured out."- [Adam] Yep.- But I would hear this over and over and some of the things I would read too is, and I think where it really made sense to me is some, either I had read it or I had heard it, that when you're working, you're not in the right mindset to make those decisions.- [Adam] Yeah.- About retirement. And so don't worry about it. And then I, it was one of my coaches said,"It will come to you, so don't worry."- Mm.- You know, it might take you three months, it might take you six months, it might take you a year.- [Adam] Yep.- But you can't have that figured out while you're still working. And so I found that, because now I think my, you know, being away from it, even just for 30 days, my head's a little bit more clear now. There's just not as much no, this is the day-to-day.- [Adam] Yep.- Grind or chaos that's happening, that's not there. So I think I'll be able to process it a little bit better here.- [Adam] Yeah.- Going forward, so.- One fun/uncomfortable question I always like to ask people when they're retiring is do you and your spouse have similar or dissimilar thoughts about what retirement's going to look like?- Yeah. It's funny you asked that, Adam, because Tamara and I do. We've talked about it a lot and I learned I have to be careful because, you know, I have all these thoughts, like, we could be doing this or that or that. And I could tell it was creating anxiety for her.- Sure.- Because her life was going to change, right?- [Adam] Yep.- So we've been fortunate, Tamara's been able to raise our boys you know, while I was leading Journey. And so, you know, she had her own routine and her own schedule, and I was going to disrupt that. So, because I would say things like,"Well, we could travel. We could do all this traveling." And she'd remind me, "Randy, we still have an eighth grader and a junior so we're not going to be able to do some of these things for a while yet." I was like, yeah, yeah, you're right. And I think the big thing was for her, it's knowing that I'm going to be around the house a little bit more now.[Adam and Randy laugh] That's going to be a disruption for her. So yeah, I don't know that we were, we are totally on the same page yet, so we're going to have to work through that.- Yep, yep, yeah, that's most people. So, 30 days in, you're starting to clear a little bit, the fog's clearing a little bit. How do you feel so far?- Again, I think it's a little bit bittersweet. I really enjoy the freedom that I have now. I'll be honest, you know, I still go to, I still get up at the, I go to bed at the same time. I get up at the same time, I go to the gym early.- [Adam] Yep.- And then, and when I leave the gym, I almost instinctively want to go west.- [Adam] Yep.- Towards the office instead of east towards the house. So it's been a little bit of an adjustment, going through that. But it's been great being able to come home and actually, you know, see the boys before they go to school.- [Adam] Yeah.- Or see Tamara, have a cup of coffee with her. That's been awesome.- Yep.- Yeah, but it's also, I will say it's, whereas, you know, I would sit in six to seven meetings a day. I mean, that was just the, that was just the job, right?- [Adam] Yeah.- So I said, I wouldn't miss that part of it, but honestly I do miss that a little bit.- Do you?- Yeah, just being, you know?- The people part or just the mix?- The people part, just the excitement of what the opportunities are. What are we pursuing? You know, what's the strategy? So I'm already missing that a little bit, but.- Yep.- I just have to find a different way to channel that.- Yep.- [Randy] That energy.- Something tells me you will. You've had friends go through retirement and you mentioned that. Something that people don't talk often enough about retirement is kind of the thing you're alluding to here is just you have just taken away a big part of yourself and so now you have time freedom, and so you fill that with things, right? But you hopefully you also fill it with a social component. Community is huge at all stages of life, but especially in retirement. So do you have a lot of friends that are in a similar spot, or are you going to be walking at the mall by yourself in the mornings?- No, I've got, you know, I've been really blessed. So a lot of, I've got several friends that have retired.- Okay.- And so I've got instant golfing buddies.- Nice.- Right, so that's good. And they've been bugging me for a while. When are you going to retire so you can golf? So I, that part's great.- [Adam] Yeah.- So, and honestly, I expect I will continue socially with most of my friends that I have now, I've met through business, right? That's just how it works.- [Adam] Yes, it is.- And they're some of my closest friends.- [Adam] Yep.- And so I, we will stay close. I expect I will, I really enjoy engaging in the community. You know, it's one of the things that was, one of the things I had to learn, one is it was the responsibility to do that, but I learned to love it. And so now I've got more time, so I, you know, I've been extremely blessed.- [Adam] Yeah.- So I feel, you know, some responsibility, but also want to, you know, give back to the community. So I think I will, I know I will continue to do that in some form or fashion.- [Adam] Yep.- Continue to be engaged in the community.- Yep, okay. Well, we'll let you go with one last question. Do you think you're done working?- You know, I think 30 days in, right? I was pretty convinced December 31st that I was probably pretty well done.- Yep.- But even taking 30 days off, I got a little bit renewed sense of energy.- Yep.- And clarity that I suspect there'll be something in the future. I don't know what yet, but.- Yep.- Yep.- You got time to figure it out.- Time to figure it out.- Randy, thank you so much for joining me, this was awesome.- Yeah, well, thank you.- [Adam] Yeah, appreciate it.- I really appreciate it.[upbeat music]- [Adam] I hope you found this helpful. If you did, please subscribe and share with your family or friends. If you have a topic you want us to cover in future episodes, send us a note through our website and if you're at the point where you want an expert opinion on your finances, reach out and we'd be happy to start a conversation. 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