CFPN Kickoff Pod

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Andy Flattery: [00:00:00] Hey, this is the Catholic money mastermind podcast. This is the show where we explore the intersection of our faith and finances. You can learn more about our

organization at catholicfinancialplanners.com.

Andy Flattery: [00:00:13] And please note that nothing in this episode should be construed as tax, investment, or legal advice and here's episode one.

Ben Martinek: [00:00:23] All right, everyone. Well, thanks for joining us today. It's a real pleasure to be able to speak speaking with you today. I'm here with some fellow financial advisors, Andy Flattery from Kansas city and Sean Mullaney out of the greater Los Angeles area.

And only myself Ben Martinek out of the upper Midwest Bismarck North Dakota is where I hail from. And we're going to talk about a little bit of our life story and why we established this network which we like to call in shorthand

CFPs. And again, that's the Catholic financial planners network. So we're going to give each of us an opportunity to talk about our life story.

What brought us together and how we're hoping to better serve [00:01:00] you our listener. So sit back and get ready for a wild ride as we delve right into it. So before we get underway, let's introduce ourselves. Andy, do you mind saying a little bit about yourself as you have a moment?

Andy Flattery: [00:01:12] absolutely. Thanks, Ben. My name is Andy flattery. As Ben mentioned, I'm in Kansas city, Missouri sitting in my home office today and I'm married to a wonderful young woman and we've got one child and one on the way. And I've been running. What are beneficial services for something like 10 years, actually 10 years.

This month, but I've been running my own business for almost two years. And I'm just really love to partner with guys like you like men of faith that also run their own financial services practice and are kind of going through the same thing. Part of the reason why I'm in this group and while I'm doing podcasts like this.

So that's a little bit about my story.

[00:02:00] Ben Martinek: [00:01:59] Cool. Well, thanks, Andy. Is there any fun takeaways that we should know about you and your background? What what's a favorite hobby or something? Just a point of interest that you could share with our listeners.

Andy Flattery: [00:02:09] You know, I always joke with my wife, but it's only a half joke about wanting to have the family band. So I'm like the guy that sings in the shower every day. I'm the guy that's always jamming on the guitar and. One of the little fun takeaways is that I have another podcast that I started called the reformed financial advisor, and I do all of the music for the podcast.

So for example, like we have these goofy disclosures that we have to sing as, as do I have to say as a part of the kind of regulated financial services industry. And I always make a song out of them. So I like to sing the disclosure songs such as kind of part of my personality and I, I enjoy it.

Ben Martinek: [00:02:52] All right. That's definitely a fun takeaway, Andy. So something new for me and I'm sure for Sean. So I think that was a good one to share. Oh, shot. [00:03:00] If you don't mind, could you share a little bit about about your background? You know, what what brings you here today? Why are you with the network? Why did you get into financial services and maybe a little fun takeaway.

Sean Mullaney: [00:03:08] Absolutely. Ben. Thanks so much. My name's Sean. Malanie. I'm a financial planner based out of Woodland Hills, California, which is part of Los Angeles and I'm actually a career changer. So I spent, including my time as a financial planner, about 20 years in the tax profession, I was mostly a corporate tax advisor and I always sort of had that little itch on the side.

Oh, I should do some individual financial planning. It was something that was always of interest to me. I never quite felt like I should get off the corporate tax path. I worked for a big four accounting firms and the internal revenue service. And I had, you know, success in that career, but the itch just kept getting deeper and itchier.

And so I decided, all right, I'm going to go forward. I'm going to become an individual financial planner and that's what I've done. I opened my practice in [00:04:00] 2019. And I'm working with individual clients. Self-employed W2 workers, small business owners. And it's a, it's a great industry to be in. And I think being a part of a network like this is a really good thing in that this industry actually sort of lends itself to sole practitioners.

All three of us are sole practitioners, I believe for the most part or at least largely so and so having a network of like-minded individuals to socialize with communicate with is really good. So yeah, that's sort of why I'm here and yeah, I'm, I'm still. Somewhat new to this industry. But of course, every day I'm getting more experienced.

It's it's a really good place to be right now.

Ben Martinek: [00:04:42] Sense of everyone who's listening. You should take away from this, that Sean is our resident tax expert. So if you've got any tax questions, John. Your guy, you've got to talk to him. So thanks for that. So what about a fun takeaway though? I mean, what could you sell us? Tell us something about your family history, your own idiosyncrasies or something that would be fun.

Sean Mullaney: [00:04:59] A [00:05:00] fun takeaway is, is I have now lived on both coasts. I was born in flushing Queens and spent a lot of my childhood on long Island and then spent a lot of my adulthood in Arlington, Virginia right outside of Washington DC. And then I like to say, I made a tax inefficient move. I moved to California to date my now wife.

And, you know, she's a native of Los Angeles. And so we're very happy that that all worked out. But yeah, I had a, a personal transition in 2017 moving out to California. And then in 2018, my wife and I got married. So yeah, that's a little bit of a fun fact is that I can I have a bit of a an East coast perspective out here on the West coast.

Ben Martinek: [00:05:44] All right. Well, that is definitely a fun fact. We'll have to see how much additional perspective you can offer to our guests from having seeing both sides of the country. So to say, so well, I'll, I'll go ahead and chime in then my name's Ben Martinek, I've got a financial practice called finance.

Otherwise [00:06:00] spelled or pronounce is Bona Fide finance, but I have a Latin background. And so I like to give it that Latin pronunciation. So bone a few day which is means in good faith. And we established that about five years ago and you know, service younger, younger clients You know, I have been seeing a lot of success here of late as time has gone along.

So I hail now presently in Bismark, North Dakota, but I'm originally from West central Indiana. I only met my wife's in Eastern Ohio or she's from the Ohio area, but we met there. In grad school, going to Franciscan university. And then it's kind of a long story. There's a lot of details here. I'll just keep it short and sweet.

Ultimately through some, a lot of radio listening that we were doing together, we became big fans of Dave Ramsey. And even though my background previously was in philosophy, so I'm definitely a career changer. No question. You know, I, I have a master's degree in philosophy, ultimately migrated into financial services and.

Yeah, it's been not the easiest road, but we're, we're getting there and we're [00:07:00] seeing you know, success in the changeover and it's it's been great. I only, the reason why we've able to connect, I think, as a group, part of the reason that this network is starting to exist is that I was part of another national association and I had done a podcast there and Andy ended up our good friend here.

Listened to that and reached out to me. And he started a small study group which Sean has become a member along with some other participants within this network. And over time as we've been meeting pretty consistently for the last year, we've. We've decided to launch a podcast and start to share you know, the benefits of financial planning with our, our listenership.

So it's, it's exciting to be part of this. It's exciting to be able to share some of you know, the ways we benefit ourselves and our clients through financial planning. But I think maybe it's just a fun fact, but I'd like to end with This is definitely a fun fact. It speaks a little bit to my background as a way for [00:08:00] us to handle our own student loan debt.

My wife and I came from Franciscan and we got married in 2008. We're wrapping up with grad school in the 2008 timeframe. So right in the middle of the great financial recession she has a master's degree in theology. I had one in philosophy. So we our job prospects to say the least we're pretty limited.

And so we came up with the wild hair idea of becoming over the road, truck drivers, and we spent two and a half years living on the road, paying down our student loan debt. So we paid off about a hundred thousand dollars in that time period. And it's only what got us to migrate out to Bismarck, North Dakota.

So I'd love to tell you the rest of the story, but you'll have to listen to another podcast episode to get all those interesting details. Yes.

Andy Flattery: [00:08:39] Ben. I think you won the fun fact game. That's awesome.

Ben Martinek: [00:08:42] Yeah, thanks. Well, I tell you what I could spend a whole episodes on our time, just on the road. There's so much to share, but it's getting to be a wild it's almost 10 years since we were last driving truck together. Well gentlemen you know, as we're thinking about our time here today, what would you want to share with [00:09:00] the the list and their ship on you know, the value you think financial planning or services offers and, and why?

Why this is, you know, worth somebody's time. I mean, why should they listen to us rather than some other Joe Schmoe? Andy, do you want to take the lead on that one?

Andy Flattery: [00:09:16] yeah. You know, the way that I got into financial planning, I always tell people was kind of through the back door. The. Kind of Genesis of my career was during the 2008 financial crisis. I have no problem saying this. Now. I actually was laid off from the first job I ever had out of school in 2009. And I happened to meet a, a stockbroker, like an old school, New York style, like Wolf of wall street, type of stockbroker who offered me a job, what I was doing.

Was cold calling for $2,000 a month. So this would have been 2010, I suppose. And and I think I had a fancy title. My name was [00:10:00] private wealth manager, but in reality, my job was pick up the phone dial and try to bring in new accounts for the firm. And that was what really, what I thought, the kind of.

Financial services business was. And of course that's been well-documented that for a long time. That is exactly what the financial services business was. But, but over the years, I happened to Ben, like you, I picked up a day Ramsey book started listening to Dave Ramsey and the real game changer was. I started reading this gentleman named Michael Kitsis, who is maybe the godfather of financial planning on the internet.

Today is his blog just puts so many ideas in my head as to how I really should be serving clients. And I was able to kind of see the The perils of the whole kind of stockbroker business. It was pretty obvious anyway, but Kitsis was able to show me the kind of the other way, which I had no idea existed.

And so that, that kind of became my path. And what I've learned over the years is that most, you know, [00:11:00] especially young men, that's a lot of the people that I've connected with over the years, we don't need a hot, hot stock pick. What we really need is. Help planning our, our personal finances and, and someone that can help us build a vision for the future and figure out how to align our finances with that vision.

And that's been the kind of big inspiration for me that over the years is kind of helped develop into that financial planner that I've become. So it's been a long journey, but that's kind of how I've, how I've landed at financial planning myself.

Sean Mullaney: [00:11:28] Let me throw in. I, Andy, I really liked your. You're talk about going from the old stockbroker model and the hot stock to no, it's really about focusing on fundamentals and having a real plan in place. And some of that really is an act of love towards your loved ones, right? It's not about all right, I'm going to become rich.

Cause I'm going to work with a financial planner. It's more about, you know, how am I going to take care of my spouse? How am I going to take care of my children? Right. It may be that things are okay. Right. The paychecks are coming [00:12:00] in and the bills are getting paid well. That's great. But what if something happens?

What if there's a job loss? What if there's an injury? What if there's a car accident or heaven forbid a death. Right. Financial planning puts you in a place where your finances are so much better taken care of for your loved ones. So that's one aspect to think about. It's not all about you. It's about your loved ones and helping to take care of their financial future.

As you do financial planning.

Ben Martinek: [00:12:30] Yeah. You know, really on point Sean. I mean, I think you know, to bring this back to more of a Catholic element, it's, it's about stewardship, right? It's about making good use of the money if it's been given to you. And if we even think of the scripture verses, you know, it's about You know, being beautiful in the small thing so that you can be dutiful and be given the responsibility and the larger, larger things.

So only more talents can be given upon you. And so you know, it's just money is a stressful subject matter. It's it can be a cause of conflict very often in [00:13:00] families or relationships can only tear people apart. And so if we can be a solution, a bit of like a money therapist quite honestly, for, for clients, then I feel like we're doing a great, good.

For a society, you know, for the family and really only for the church, you know, it's, it would be hard for the kingdom of God to grow in the absence of good financial situations. Not impossible. I think the OD doesn't have to operate on money but it does help if the money money's there. And, and, you know, they like to joke that God, the church operates on grace and money and not always in that order.

So that's a joke I picked up from way back when I was in the seminary. So.

Sean Mullaney: [00:13:38] that's, that's some really good. Observations around the church's role in all this and our role in the universal church. There's a whole lot of content out there and it's a very in quality. Don't get me wrong, but there's plenty of content out there on Roth IRAs or life insurance or wills or investing, right?

Whatever you want to talk about. There isn't that much [00:14:00] content out there around those items and other issues, moral issues from a Catholic perspective. And I think we're going to. Hopefully fill a good amount of that void. I think that's part of the reason to be excited about this network is that we're going to provide some content that incorporates that Catholic focus and perspective.

Ben Martinek: [00:14:20] Yeah, I think you're right, Sean. I mean, let's, you know, part of the, why this is called the Catholic financial planning network. Let's not spend too time with much time without speaking about it while. I mean, we're all, we're all Catholics and that's a unifying theme amongst us. And you know, we're, we're men of faith.

We're committed to To the beliefs of the church and you know, we want to be able to speak to that. And so we're in a sense, we're going to have our feet in both of them. Both are a foot in both sides of the aisle here, where we're talking about a rather secular worldly thing of money and finance and how to even maybe accumulate wealth or grow and be successful or what to do with the wealth you have.

But at the same time, having a mind towards spiritual beliefs and not [00:15:00] just the here and now, but the eternal and, and keeping a perspective to what we only think is most important for ourselves, which isn't at the end of the day, defined by dollars and cents. Andy. Do you have anything that you'd like to chime in on?

And when it, as in terms of the Catholic element of, of the network and why you know, we hope to energize our listenership or you have a special affinity to any fellow Christian believers Catholics out there.

Andy Flattery: [00:15:23] yeah, well said. I mean, I think one of the wonderful things that you could say about in the internet today is that you, you see kind of people putting pieces together of different elements of. Like different areas of research or different niches and they kind of combine them. So, you know, an example that I read recently was Sean, you had a great blog post where you talked about Cosmo Kramer, one of your favorite characters on Seinfeld, but then you.

Integrated into, in a personal finance where you able to tell about the kind of business decisions and the personal finance decisions that Kramer [00:16:00] made. And you would never see that if this was not the kind of world of the internet, where people are being creative with different types of content, and that's just a long.

Way for me to say that I think it's opened up a huge opportunity for us to combine our Catholic faith and our Catholic beliefs in this 2000 years of tradition with a fairly new profession, which is personal financial planning. Obviously like personal financial planning in a sense has been around for a long time, but, but really as a profession, it's a fairly new thing.

So I think it's kind of ripe territory for. Someone that's has the kind of mind of a Catholic to bring the elements of Catholicism to personal financial planning. And I've just noticed that even with my own conversations with clients and friends young Catholic families that are thinking about things like tithing and how to support their families and, you know, even how to invest and how to build a legacy.

A lot of these elements kind of [00:17:00] run into our Catholic faith. And it makes sense that we should be combining our faith with our finances in certain ways. So that's, that's what gets me really excited about this network is that we're, we're attempting to do that.

Ben Martinek: [00:17:14] Yeah. So I think, you know, you, as the listener, you're going to get a lot of a variety of topics from us. Certainly some of your tried and true financial planning topics of maybe what to do with a Roth IRA or why it's important, or how to invest in your 401k or how much you should be saving. Right.

Amount of life insurance. I mean, there's any number of things that we could talk about specifically to personal finance, and we certainly will be talking about those, but I think what's also going to be very unique and special, beneficial about listening to us is we're hopefully the, you know, the, the Catholic next door in a kind of a setting in which, you know, if you share a similar beliefs or convictions or have the same faith and, Oh, well now you're going to have a chance to pull up a.

A chair and have a seat at the table as we talk about these subjects. And we'll you know, I think each of us is pretty well-read [00:18:00] catechized in terms of the, the lease of the church. And so we can speak to these matters. I, I dunno if it's a matters in an authoritative sense by any, but we aren't going to stay away from them or shy away.

Of feeling like we're out of, out of scope. So I think you're gonna get both you know, an angle of perspective on finances, but also perspective on what we believe the church teaches on these subject matters and how we are you know, implementing that in our daily lives. So that's, it should be awesome.

Andy Flattery: [00:18:29] yeah. You know, we're learning Ben, so we're learning. And I think, you know, that's the wonderful thing about doing these podcasts is we can be open about that. But you know, with 2000 years of history and knowledge, the church ought to have something to say about finance you know, and money. And so I think, you know, we can learn what the audience and bring out a little bit of credibility to this.

Being as how we all have experienced in personal financial planning ourselves.

Ben Martinek: [00:18:55] Yeah. Great. Well, I suppose as we start to round the wind this down do any of you [00:19:00] gentlemen, as we wrap up the introductory episode something else you'd like to leave with our audience, for them to think or ponder about either about the us individually or us as a network as do any of you perceive a specialty within yourself where you, you really help and assist CIS clients and you stand out above the rest in terms of how you're able to help them. Sean, do you maybe you might chime in, you've got this tax background, right? So, I mean, you, you've got to know a one or two things about taxes, right?

Sean Mullaney: [00:19:23] Yeah. And I think Ben, you bring up a great point. It's not about necessarily working with the quote unquote best financial planner. It's about working with a financial planner that is best aligned with you, right? Your beliefs, your values, and frankly, your communication style. Right? So. You know, it, it depends on what you're looking for and what your needs are.

I work a lot of times with clients on retirement plans and, you know, tax advantage, saving and things like that. That's an area I tend to drill down on. Maybe more than some other financial planners. I definitely, I like to say I'm a tax focused [00:20:00] financial planner, but a lot of it isn't so much about, you know, there are plenty of great experts in all different fields out there, but it's about finding a planner that you work well with, especially in terms of communication style.

Ben Martinek: [00:20:13] Yeah, that's right. I mean, at the end of the day, sharing money is a pretty vulnerable thing to do. And so, you know, if you're going to do that, you should do it with somebody that you ultimately trust and like, and are okay with, you know Making yourself vulnerable with so, you know, we all have various personalities and things we like or dislike about others.

And so openly, you should find someone that you only connect with well with, because you know, you're going to be talking about your money with them. I mean, it would be kind of an odd relationship to be so intimate with somebody and not really get along or know them well or not want to be. Not wanting them to know much about you.

I feel like that could be a bit of a frustrated relationship as the years go along. Andy, do you have any thoughts that you want to chime in there in terms of just the quality of the connection between the client and you know, the financial [00:21:00] planner and their ability to assist, assist you in your decisions and money?

Andy Flattery: [00:21:03] Yeah, sure. You know, I had a client tell me kind of a great anecdote the other day that made so much sense to me. He said, you know, about three years ago, my wife and I made the decision to just give up soda altogether. It was just something that was important to us. And we realized that it was, would probably be great for our health.

And he says it was a little challenging at first. It wasn't impossible, but the laundry, we did it, the. The easier it became. And now three years later, both of us are much healthier. We've lost some weight and you know, we're pretty young now, but decades down the road, this could, this could be huge for us.

And he's like, I want you Andy, to do that exact same thing for. Our financial household. And that was, that was that was kind of a light bulb moment for me, because I think that's exactly what I'm trying to accomplish for my clients. It's trying to maybe help them be a little bit uncomfortable today so that they can reach their [00:22:00] goals decades down the road when it's not super obvious that small changes in your thirties and forties can actually make such a huge difference in your fifties, sixties, and seventies, and even older, and even, you know, Going down the generations.

So that's kind of how I think of it. I'm an athlete too. So those kinds of little things that you can do to improve your performance and to make yourself better every day really makes sense for me. But sometimes you need a coach. You need that person that can help cast a vision for, you know, what kind of athlete you are and help you help hold you accountable to what it is that you should be doing to get to where you want to be.

So that's kinda what I think of financial advisor is, or at least what I'm. Trying to accomplish with the conversations I have with my clients.

Ben Martinek: [00:22:46] Yeah, what? That's great, Andy. I mean, I really think that's spot on, right? I mean, It's so we all want to make changes, but sometimes the changes that we need to make, aren't the ones that we want them to make. And and the, you know, having that advisor be able to look, you really need to do this, and you're only, [00:23:00] you know, you've hired me out to make sure this gets done for you.

Like it. That starts to become life-changing and it may not be a something that you realized right away, but as the years passed along, you know, as they say, you know, the days may or may not teach you things, but the years will you know, as the years pass along, you start to see the, really the benefit and the effect of this working relationship.

And that's, you know, that's invigorating for me as the advisor to see how my clients are, have been improving and things are you know, one of the. Significant ways in which it improves is just a greater sense of peace and security and sense of contentment. You know, sometimes you might think that to, you know, the way to, to receive contentment in your finances is just simply to make a little more money.

And although that can be helpful the truth is it's, you know, making more money isn't necessarily always. The answer cause we work with people who make quite a bit of money and I can tell you, they can still struggle with having contentment and your finances. And so you know, this search for satisfaction and a peace maybe a [00:24:00] resignation of faith.

One might say. I, I think it takes work and it's hard to accomplish always just by yourself. It helps to help that outside party who can help vouch in and speak a little more objectively to where you stand in your situation and can give you a yay or nay as to where you stand, whether or not you're doing just fine or whether or not we need to make some changes here.

And these are the changes I'm proposing.

Sean Mullaney: [00:24:20] Ben. I know you work a lot with clients that have student loan debt. I'm curious, and I think this would be something that would be great for the listeners as the podcast goes on. But is that something you focus in and is that something that you work a lot with clients on?

Ben Martinek: [00:24:36] It is. Yeah, I'm glad I suppose he brought that up, but I've definitely got a specialty at this point in student loans, the irony is the way Deb and I handled our student loan repayment is not necessarily how I advise her manage clients to handle it. And so, although I'm not necessarily opposed for someone who pursue a aggressive repayment, which is only our tactic, we just got a, you know, we leave lived very simply and took as much money as we could.

And we. We paid off a large chunk of our student [00:25:00] loan debt. When we, when we got married to give you some details, we had about $160,000 of debt to our name. Good part of that was student loans, but some of it was card debt. Some of it was credit cards and we have really just a mess and, and a deep hole.

And you know, we really had to get at it. If we were to go to make any headway, it was not the best times. And again, we were getting married in 2008. So if you can, you can imagine the stress. It was, it was all very real, but as the years, Gone along. I've you know, I was working with younger clients, student loans became more and more of a question and, you know, the truth is, is aggressive.

Repayment just, wasn't always the best answer or not even a feasible one. The income to debt ratio just was too skewed. There's too much debt for the amount of income to make this reasonable. And so I've you know, I've become very well read into what's called the income driven repayment plans.

And they don't leave some of the tax implications that come with these income driven repayment plans and only the best way to repay student loan debt. If it's only the most economical. To the client, which sometimes is to only hold the debt [00:26:00] and, and look for a pathway to forgiveness. So I don't want to get into too many of the details of that, but there is a, a good number of our clients at this point, who are coming out to us only in an a moment of irony to have us manage their debt and not necessarily so much their assets at this point because the, the assets are few, but the debt is large.

Sean Mullaney: [00:26:17] Yeah, no, that's great. Ben, in it, it goes to what I think this podcast will ultimately be about, which is growing personally and in our finances, you know, in a way that's consistent and enhances our Catholic faith. Right. And so it's great that that's one of the ways that you help clients do that.

Ben Martinek: [00:26:34] Yeah, I it's it's rewarding work. So I'm I'm happy to be able to be an answer for folks because it's not easy, always time always to get an answer and, and, and maybe not just so much specific to student loans, but just across the board. There's a lot of satisfaction I find in this role of one might describe again as money therapy in which.

You know, we haven't, you have anxiety with your money insecurity questions. You're maybe paralyzed, not sure what to do with [00:27:00] it. And it's, it's just nagging at you. And, you know, one of the ways we can really deliver value is we help resolve and take all that anxiety away almost as if it's a bit of medicine.

So usually it doesn't happen overnight. It takes a while for these changes to take effect. And, and it. And for you to see the results, but like, as Andy was suggesting earlier with the value of good coaching. Oh yeah. We can transform where you stand and may not have that anxiety. What dictates. So your day-to-day decision-making

Andy Flattery: [00:27:28] Well said Ben, I love it.

Ben Martinek: [00:27:31] well, awesome. Well gentlemen Andy, do you feel, as you're thinking of any last tidbits, you'd like to leave the client base areas of specialty or something else that you'd like them to know about you as a, as we start to sign off.

Andy Flattery: [00:27:42] Not in particular. Yeah. If anyone wants to hear the after mentioned goofy disclosure song, there were pot, the podcast is called the reformed financial advisor, and that's where I kind of outlined some of the things that I, I believe about. Personal financial planning and investing, and it's got kind of a Kansas city focus, which is where I'm [00:28:00] located.

And, and, you know, the other reason is just so I can sing on the podcast as well, too.

Ben Martinek: [00:28:06] All right. So you're a senior athlete. I mean, that's a rare combo right there. Seating, athlete, financial advisor. I mean folks. I mean, let's not wait any longer, you should rush in to give a call to Andy. No, I mean, if that's your guy, I think we found him for ya. So, but not, well, I mean, I think in conclusion, you know, we're a, we're a solid group of advisors that have come together.

We're all pretty well-educated and trained at this point with you know, Each of us is a certified financial planner or a CPA. We've got some degree of, of credential or specialization, but we think that's important, although it's not the end all and be all in terms of being a good financial advisor, but we do price ourselves on, you know, have we spent any time studying this material as, as a determiner, to some extent as to how.

Whether or not, we can be a good advisor for our listenership, so, yeah, but we're also while being well-educated and familiar with how to handle money, we know we're committed Catholics [00:29:00] and, you know, we believe in the gospel we believe in the gospel of Jesus, you know, to be more specifically and you know, we're followers or believers of the Catholic church.

So Yeah. So I suppose with that, all being said, let's let's put this show in the books. I kind of like that expression and we'll expect to hear future show is, I mean, in terms of future topics listeners there's anything that we could listen to. You're certainly welcome to chime in and give us some suggestions, but we're wanting to talk about the benefits of financial planning to pathways, to financial independence.

Different ways to budget ins and outs of buying a house or what's good debt versus bad debt. Maybe how to give charitably or the best ways to optimize your charitable contributions. We've got a whole list of ideas that we plan to talk about. So just stay tuned in and we'll be having a new episode your way anytime now. Awesome. Thank you, Andy. Sean. We'll sign off and we'll see you next time. Huh?

Sean Mullaney: [00:29:49] Thank you, Ben. Thank you, Andy.