Ep. 39 | Behind the Planner: A Candid Conversation with Tré Bynoe

In this special off-script episode, Sierra flips the mic and asks Tré Bynoe, CFP, CIM, some personal and thought-provoking questions—from career paths not taken to his philosophy on helping people who actually want to be helped.

This is the human side of financial planning, where mindset, motivation, and money collide.

You’ll learn:

• The financial myth Tré really can’t stand
• What he’d do if he weren’t a financial planner
• The truth about who he’ll help (and who he won’t)
• The personal reason behind his early retirement planning
• Why separating income from expenses changes everything
• How social media affects contentment and financial decisions

If you’ve ever wondered what drives a financial planner (or just want to hear real talk about who Tré is), this one’s for you.

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Transcript

Sierra 0:00

Hello and welcome to the Plain English Finance Podcast. I'm Seese and I'm gonna be asking Tre some questions.

Tre 0:08

Okay, so Seese got really up. No really upset.

Sierra 0:13

I was,

Tre 0:13

Seese was so done with the boring topics that she wanted to do one, so I said fine, you do one. So I dunno what we're doing, what we do.

Sierra 0:22

So I just got a little list of questions. And it's gonna be a quick episode. We're just gonna do kind of another get to know me sort of thing. Even though I know people can listen to episodes, one or two to get to know more about you, but those are more professional, like this will still be relatively professional, but more casual conversation.

Tre 0:44

I'm wondering what you could ask. Okay,

Sierra 0:46

Let's get into, okay. What's a financial myth you hear all the time that makes you. Cringe. Wanna correct somebody? Scream internally. All of the above.

Tre 1:00

Oh man. I would say the most annoying one.

Sierra 1:08

I already have one in mind.

Tre 1:09

I have lots. I can't do it. Is really one that bugs me a lot. It's like I innately feel like humans are capable of some incredible things, and investing in managing your money well. Isn't even on that list.

Speaker 4 1:30

Mm-hmm.

Tre 1:31

We can do so much more, than that, that it's relatively simple. Everybody can do it. better.

Sierra 1:37

Yeah.

Tre 1:38

Like Can manage their finances well. It just takes a little bit of effort, a little bit of learning, and everybody's capable of doing it. And for the people that think that way, I can guarantee no matter who you are, there's somebody living on less than you are right now. Spending less and probably happier. So. Excuses like that. Just, yeah, just like it's a privilege and a luxury to be able to make excuses like that. So quit it,and just do what you gotta do to. You already know the type of people that will come and I'll be interviewing them to decide like, are we gonna work together, whatever. And it's the type of people that will come up with a hundred excuses as to why they can't do something. And then I'll sit down with somebody else that will. Come up with a hundred reasons why they can do it, and they can change. And it's just like that. The person that is willing to adjust and change, that's the person that I am willing to help more than, more than anything else because I, part of me being part of a credit union is that I don't have really high limits. Like If I was with another firm, I'd have the skillset that I could have really high limits and just work with people over. You know, a million and half dollars and I could, I could definitely do that. But part of me wanting to be with a credit union is that I don't have to do that and can help lots of different types of people. Even some people that I won't take on as clients, but I'll still give them a few hours of my time or whatever. Mm-hmm.'cause I want to help, but I'm only willing to help people that are willing to help themselves. Yeah. So

Sierra 3:11

I feel like that's something people don't know actually about you that we've talked about a few times, is that. Your motivation to help people is super high and you you will like go far as long as they're doing what they need to be doing. Yeah. If they're, coming to you and being oh, what about this obstacle? What about this obstacle? Or, I can't because of this, that, that... you really don't like that. If they're willing to work and change and listen, I feel like that's a big thing. If you're going to someone for advice and then just saying, oh, I can't do it because of this, this, this, this. I don't understand that, to be honest.

Tre 3:56

Why are you here? Absolutely. Yeah. Especially and it, it, especially when I am, like I charge a lot of money for my time, right? Like my hourly rate at the moment is$250 an hour. Mm-hmm. So if I'm doing something pro bono. I expect you to come to the table understanding that. As in like you need to be there to learn. I've, had both sides where somebody will come and it's like, I'm really impressed. I will help you more than I probably should because you're, you're wanting to learn. You're, I'm watching you make changes versus somebody that comes and they're really just looking for somebody to tell them that. What they're doing is okay.

Sierra 4:34

Or like, here's the magic pill.

Tre 4:36

It's hard work. It's,

Sierra 4:37

You know, the answer. I feel like most people know the answer to some extent when they're in a position like that.

Tre 4:42

Yeah.

Sierra 4:43

So, okay. That is, that makes sense. I was thinking you were gonna say that vehicles are assets, because I know you don't like that either.

Tre 4:55

Depreciate, they, they can be assets if you're using it to make money.

Sierra 5:01

Yeah.

Tre 5:01

Outside of that, they take money outta your pocket.

Sierra 5:04

Not,

Tre 5:04

and a lot of money for modern, modern people. Yeah. It's not, yeah. Not an asset. Unless it's a collective item, you know, if it goes up in value, puts money in your pocket. You can call it an asset.

Sierra 5:15

There's always a caveat.

Tre 5:16

Yeah.

Sierra 5:17

Okay. If you weren't a financial planner, what do you honestly think you'd be doing instead?

Tre 5:24

So, nothing in like finance world.

Sierra 5:27

Sure. Yeah. Let's, let's,

Tre 5:29

does that include like accounting?'cause that's what I want. I wanted to be a forensic accountant. Does that include that?

Sierra 5:33

Yeah, let's take that out and let's say

Tre 5:35

Engineering.

Sierra 5:37

Really? I dunno why I'm surprised. Like, it's not that surprising, but I feel like you would've,

Tre 5:42

Yeah, I think I would've what do you think I would've done?

Sierra 5:45

I thought you would've,

Tre 5:46

No, I probably wouldn't have done it because I couldn't like afford to take that amount of time.

Sierra 5:53

To go to school to,

Tre 5:54

to go to schooling for that. So I wouldn't have been able to do that, so I don't think I, if I could go back and give myself stability to be able to do whatever, like truly whatever you wanted, like some people can do, then it'd been something like that. It'd been something in the sciences or

Sierra 6:10

that I could see, but I was thinking more like a researcher kind of thing. I could see you doing,

Tre 6:15

researching for what?

Sierra 6:16

Something in the science as well. Oh, okay.

Tre 6:18

Yeah. Yeah.

Sierra 6:19

You know, like a research worker of some kind,

Tre 6:23

Like building stuff and

Sierra 6:24

Yeah. I was also, in my mind, I also thought maybe like teaching, but at a high level.'cause you do like, yeah, I like teaching. But again, has to be, same with it wouldn't be a high school teacher or even, honestly, I don't know, maybe a professor kind of thing.

Tre 6:42

I don't think it would've been fulfilling enough. I think I would've. Or if it was, it'd be like a research type. Yeah. I I like, I really like learning. There's tons of stuff that I I would, I would do, but for me, a priority was financial security, so it would've been something that allowed me to do that. Like, I would've went and done a trade before I would've, because it would've, it was like, it's a very clear path to some financial security versus... taking the risk. I think, I think it would be different now.

Sierra 7:17

Obviously.

Tre 7:18

But I think back then, that was such a big priority for me was just security for us even. Yeah. Security. So, yeah. I dunno whether I've taken the, even with you. Yeah. I don't think I'd have taken the risk.

Sierra 7:29

Mm. Even with me. What do you mean?

Tre 7:32

Like with, with you being sick, right? Mm. So it's like Seika!. Seika. Shhh Ariyah's sleeping.

Sierra 7:48

This is like a casual,

Tre 7:50

There you go.

Sierra 7:51

You're in our, you're in our, our office with us and Seika baby is here. Yeah.

Tre 7:57

Um,

Sierra 7:58

making lots of noise. You can, okay.

Tre 8:01

Sorry, what was I saying?

Sierra 8:03

Just that you were like, because I was sick. Security. Oh yeah.

Tre 8:06

So, yeah,'cause I didn't have, or it feels like we don't have, the, like a lot of people will, they'll work for a long time and then they'll retire at 55 to go travel around the world. And it's like with you being sick with that might not happen. So our timeframe was adjusted and mm-hmm. That's why we made decisions around rental property and stuff like that.'cause we knew that. You wouldn't always be able to work in the same capacity that a lot of others do. So yeah, that was always a priority.

Sierra 8:35

Planning ahead.

Tre 8:35

Yeah. To do it

Sierra 8:36

It's one of those things where when you get diagnosed at a young age with like a chronic illness, you can either let, just keep going about your life because you don't know what the future holds. Especially with MS, it's. I could be, who knows? Yeah.

Tre 8:53

You could be in a wheelchair tomorrow if you had a really bad

Sierra 8:55

Yeah.

Tre 8:55

You just have no idea.

Sierra 8:56

And, I've been in remission for years now, so there's, you know, it could go, but that's like anything. Yeah, that's, yeah. But yeah, we did make intentional decisions saying we're going to plan for the worst and hope for the best. That's, that's always how we are. Yeah. Plan for the worst. Hope for the best.

Tre 9:14

And that includes my time. Right? Yeah. Because it was a case of, okay, when. Because I need to be able to significantly cut back on work earlier than what the average person would be. Yeah. Even if it's, we've already talked about it's like planning for early retirement, but I'm not gonna fully.

Sierra 9:30

Yeah.

Tre 9:30

It's very likely I'll keep doing something and keep wanting to work and look after, like I enjoy what I do. Right. Yeah. So,

Sierra 9:37

Yeah, whenever you were ta like way back when, when you were oh, I wanna retire earlier than the average person would retire. I was always like, no you don't.

Tre 9:48

Yeah.

Sierra 9:49

You love, like I cannot see a world where you're a content retiree.

Tre 9:54

No.

Sierra 9:55

To be honest, like you always make fun of teacher clients that go back and do like subbing or.

Tre 10:01

Yeah.'cause when you build a skillset and you still stuff to give and you enjoy what you do.

Sierra 10:06

Oh yeah, totally. I totally get that.

Tre 10:08

Yeah. I think more so for guys. Unfortunately, what I see a lot is, if guys stop to nothing... a lot of them

Sierra 10:18

deteriorate. Yeah. Yeah.

Tre 10:20

Surprisingly quickly and it's, I don't know, I don't know exactly what it is, but

Sierra 10:25

You gotta keep your mind active. Yeah. I think the differences between women and men is that a lot of times women have their grandchildren now or like they're, and that is so fulfilling to a woman, to be able to nurture and do all those things. Mm-hmm. Like it's just more, they're more naturally inclined to feel fulfillment from those things versus a guy, like I read something once that said a woman needs to feel good to do good and a man needs to do good, to feel good and like in that order. So I wonder if that maybe has something to do with it. Anyways not to get so like philosophical all of a sudden. Sorry, this is our, this was the light episode. I know. I'm like, but this is actually how our conversations go. So if you wanna, if you wanna get to know us, that's true. What's something people assume about financial planners that's totally wrong about you?

Tre 11:23

I was say about financial planners, I knew exactly what I was gonna say was gonna say. Okay. Just

Sierra 11:27

quickly say that answer.

Tre 11:28

I thought they're good with money.

Sierra 11:30

Okay.

Tre 11:30

Oh my goodness. Well, obviously it is not always the case. It's always the pros

Sierra 11:34

who are like,

Tre 11:35

it is not always the case. That's wild. Anyway about me. That's you.

Sierra 11:40

So if someone was like, oh, financial planners, they're this, I have something in mind, but I wanna hear what you think. It's totally wrong about you.

Tre 11:51

I have, I am not sure. What do you have in mind?

Sierra 11:54

I as a, as you were thinking, I was like, maybe I'm gonna offend this. You know, I'm always afraid to offend people. I was thinking, okay, before you got into the industry. I definitely had in mind like, especially guys who work in finance are very like, sleazy.

Tre 12:15

Oh.

Sierra 12:16

Or you just get like this. I see what, what you mean? Yeah. Yeah. Like I would, there, there's certain types of people where they would kind of walk in with an air that they're better than you.

Speaker 4 12:24

Mm-hmm.

Sierra 12:25

I feel like that is kind of how I often, or that they were trying to like,

Tre 12:30

like financial planners. You had that.

Sierra 12:32

I don't know if I met. It's hard because back then I didn't really, I don't know if I'm, that you

Tre 12:37

wouldn't even know the difference really between No what I would say is that I, I like, I, I'm a successful financial planner. I'm successful because of competence, not because of

Sierra 12:48

sales relationship, sales

Tre 12:50

ability, relationship building ability. I would say I have a good relationship with my clients. My clients, the relationship didn't come first.

Sierra 12:59

Yeah.

Tre 13:00

Competence came first. And I think that a lot of even really big books of business and stuff like that, a lot of it is the people that were good at selling somebody. On the fact that they could beat the market or whatever it was, and they were really good at sales and I am not at all.

Sierra 13:20

Yeah. Well, to be fair, like I get what you're saying. I feel like there's two types of people. People who, again, I mean no offense, people who are easier to sell to and people who hate being sold to. Like they wanna make the decision with the information. Those are your people. They wanna be able to make the decision with the information. Yeah. And then there's people who can get talked into things and convinced and mm-hmm. Like, yeah. A book I was reading I can't remember the name of course, but there was a, the whole premise is basically like there's these automatic things that humans do. I think I told you about the reciprocity.

Tre 14:08

Oh yeah, yeah. That these in marketing or whatever.

Sierra 14:11

Yeah. So like I give you something and now you have this like being

Tre 14:15

indebted. Yeah.

Sierra 14:15

Yes. You have this feeling of obligation that you now owe me something. So like those things, if you're aware of it, it's. If somebody tries to do it to you, it feels so gross. But then some people are very susceptible to it. So, yeah. Anyways,

Tre 14:33

I think also it changed for me when I, when I became better and I, I no longer am selling. I'm, no, I don't sell investments or I don't try to convince people to invest a certain way. I'm almost.

Sierra 14:48

Like we've talked about this, this is kind of weird to say, but it's like you're paying for you.

Tre 14:52

Me. Yeah. Right. And it's like I am very confident in the, in what I charge. If anything I undercharge compared to like, I don't think I undercharge, but compared to what other people are charging, I undercharge. Because I know they're not even doing the work. It's like this hard, hard balance.

Sierra 15:12

It's like you're paying how much for nothing

Tre 15:13

for, yeah. So I would say, but, and then at the same time on the, with smaller amounts of assets, I know I'm very expensive, right? So just the way that I figure out my costs and everything. But I would say your, yeah. Clients are paying, you're paying for me. And I'm not the right person for everybody. Yeah.

Sierra 15:29

Yeah, I just think that you do not have that, what's the word? It's like,

Tre 15:35

Yeah, I know exactly what you're about. It's like, that's because I, I knew them though that like some of the people that I even like when I first got into the industry that I was supposed to be learning from, and you are learning stuff and then you realize. Hold on. I want to be nothing like you. Like Are you kidding me? Why am I learning from you? And then you go, and me, and

Sierra 15:53

I just wanna say, there were definitely people that you learned from in the beginning who were awesome.

Tre 15:56

A ton. Yeah. Absolutely. Like

Sierra 15:57

there, and that's why I, my, it's like originally I had this very kind of a stereotype, but then as you've grown your career..

Tre 16:06

But I would, say my planning ability compared to the individuals that I learned from, I surpassed them significantly. Mm-hmm. Because my focus was very different than what they were focused on, right? Like I have a very strict investment philosophy, which means I'm not trying to find the next big stock. Mm-hmm. If that's what you're looking for, I am not your person. Mm-hmm. If you're looking for a systematic, consistent way to minimize taxes and be very tax efficient, long term and build wealth, I'm your guy.

Sierra 16:37

Yeah.

Tre 16:37

But if you're looking for the stockbroker type, I'm not your, I'm not your person. But now, I'm at a point where I'm okay with that. Right. Yeah. Like I'm absolutely okay with sitting across from an individual that would be like a big client with millions of dollars and saying, I don't think we're the right fit. Yeah. And that took time and maturity almost to get to Yep. To that point.

Sierra 17:01

For sure. And like confidence, all those things, like everybody has in their career as they Yeah. Go through it, you know?

Tre 17:07

I think so. Yeah.

Sierra 17:09

Okay. What's a small money habit you think matters way more than people realize?

Tre 17:16

Separating your income from your expenses. Mm-hmm. It, I am telling you it is. If you can do that, everything else is easier.

Sierra 17:25

Yeah.

Tre 17:26

Like the ability to be content.'cause it all, it's all tied together. It's like if you are not. If your spending is not dictated by your income, you are, you have so much more freedom. The podcast that I did today when I was talking to Matt, he said to me that, he said that he heard from somewhere else that the difference between what you need and what you want is misery. So the closer those two are aligned, the happier you're gonna be. So no matter what income level you are, no matter what net worth you are, so if you are constantly wanting way more than you have and you're never content, you're going to be miserable no matter, what you achieve financially. Yeah. And that comes from separating your income from your expenses. If everybody learns that ability, everybody would naturally build more contentment. Everybody would naturally have significantly more resilient finances, which means that instead of having to worry about the appliances going, or your car breaking down or whatever. Mm-hmm. Like you can focus your energy on other things because you don't have to worry about all of this. Imagine your life without stress of the mortgage being paid and all your bills covered because you got that. Think about how much more energy you could put towards something else. Yeah. And that. That I think is so, so powerful for people to, if, if I could say one thing for everybody to learn, its that.

Sierra 19:03

Separate your income from your expenses. Yeah. And I would almost say that bleeds into a lot of other things. And again, it's all the philosophy that you kind of follow. A lot of times people will buy things, do things. To appear a certain way. To be perceived as a certain type of person that they want to be. Yeah. They're going on expensive trips, they have a fancy car, they have the biggest house on the block, whatever. But people don't actually know what they want. What actually makes people happy. What do you want to be happy in? Again, I think I've mentioned this before, but there's some guy who asks, what is your rich life? He's on Netflix. Yeah. Or something. Anyway, I think that's, that's a good question though. You, you have to, and again, this is where you and I like are in a symbiotic sort of relationship in the sense of. I am really interested in psychology and behavior and those things, and it all is tied into everything. Yeah. Very similarly to how money is tied into everything. So if you don't know yourself, if you don't know what makes you happy, what you actually want, you are never. That chase it is just constant dopamine hit. Yeah. Over and over. You're looking for stuff.

Tre 20:23

And that's the contentment thing is if you are, you'll never be, you'll never be content and you, in order to be happy, you have to be content. Yeah. It's just the two things don't go otherwise. You could be surrounded by your family on the nicest vacation with all the time in the world with them, living an incredible life to most people. And if you are wanting something else, you're not gonna be happy. Yeah. So I think that's just,

Sierra 20:50

yeah.

Tre 20:51

It's important. Yeah.

Sierra 20:52

Yep. Okay. What's one thing about you that has nothing to do with money that you wish more people knew?

Tre 21:01

Nothing. Know nothing about me. You,

Sierra 21:04

you love sharing. Hate sharing. We're both very open. Before we started this podcast, honestly, it probably took us so long together because we were both

Tre 21:14

Ugh. People would know stuff about me.

Sierra 21:16

It's like, why? Why are we like that? I don't know what's wrong with us. But I we're both very private.

Tre 21:21

Well, I know why. I know why part, like there's, I'm very private, so I use that as an like, my other reasons, as an excuse, but part of my reasons that I don't share a ton on social media and stuff like that is because of comparison. I think social media is one of the biggest contributors to, to the lack of contentment in the world that we've ever seen. Because we used to talk about compare yourself to the Joneses. Yeah. It's no longer that case. You're comparing yourself to the best of everybody's life. Yeah. Without seeing any of the negatives. Yeah. Like it is, I'm telling you, it's bad.

Sierra 21:56

Yeah.

Tre 21:57

And I think for people that aren't very aware about it, like it impacts me, I can't imagine how it would impact people that aren't. Very aware of it.

Sierra 22:07

Yeah.

Tre 22:08

Because I see it as well, and I'm like, there's definitely been periods of time where I'm thinking to myself, man, well maybe I should buy the nicer car and increased lifestyle to X amount. And you're like, it, I know full well it's not gonna make me happy. But then I see other people doing it and I'm like, well, I think maybe I would like that. And I'm like, yeah, I would. I would like that. Yeah... And, and that's me knowing it and like being

Sierra 22:32

so

Tre 22:32

This being my job and being like, you know, so

Sierra 22:34

yeah.

Tre 22:35

The impact that it has on people that aren't aware, oh, I can't even. So yeah, sorry, that's part of the reason that I don't like it, but that more people know.

Sierra 22:45

Yeah. So what's one thing about you that has nothing to do with money that you wish more people knew?

Tre 22:52

I'm actually really nice. I'm not nicer than I, I might. So I think everybody needs somebody that was willing to tell them the truth no matter what. Mm-hmm. And I think a lot of people lack that person. And I, I am often that person.

Sierra 23:11

Yeah.

Tre 23:11

Where even our friends are like, if you want somebody to blow smoke, I don't ask Tre. Like it's, there's definitely been times where somebody's walked out of the room asked, do I look great? And then be like. I don't wanna hear from Tre.

Sierra 23:28

Don't answer the question.

Tre 23:29

Don't answer that. Because like, I

Sierra 23:31

Imagine living with that

Tre 23:32

I'll tell you, I'll tell you both ways though, right? Like, I'm not gonna, and I get it. I, I know some of you just want to be that, but I'm just, I, but it isn't out of... it tends to be, if I am that person, it's because I care about you. Right?

Sierra 23:46

It's a kindness actually.

Tre 23:47

Yeah. I, yeah. Yeah.

Sierra 23:49

I think people take things personally, but yeah. That is something about you that I don't think people maybe understand or

Tre 23:58

there's lots of people that do.

Sierra 24:00

There's lot of people that do. Yep. I would say the same.

Tre 24:03

I would say it's rarer and a lot of people prioritize other people's emotions over,

Sierra 24:08

yeah,

Tre 24:10

over that. And to bad, good or bad, I don't yeah. But I'm also. The same applies to me as well, right? Like if I, the whole toilet paper on your pants thing, like, it's like I'm never gonna be the person to see that and not tell you.

Sierra 24:27

Yeah.

Tre 24:27

Because if it, if rolls were reversed and I found out that I had done that and I walked past you onto a stage in front of a thousand people and that was, I would. I would be really hurt that you let me do that.

Sierra 24:40

Yeah.

Tre 24:41

So I am very much determined not to be that person that lets let somebody do that. I just.

Sierra 24:47

You want people to be the best version of

Tre 24:49

Yeah. Right.

Sierra 24:50

Or do whatever they're trying to do in the way that,

Tre 24:52

and because I'm very non-judgmental myself despite what people think.'cause I, I definitely get People feel a sense of shame often, especially when it comes to finances, right. Because that's what I do. But I'm very non-judgmental. Yeah. I'm just very, uh, you make decisions, understand the consequences, and if you're okay with the consequences, make the decision. But you should understand these are the consequences that are most likely. Mm-hmm. You can't then come to me and complain that. The consequences of that were the most likely consequences happened because that was what was expected. Yeah. But I would say that yeah I am And you would attest to that. I think a lot of people, yeah. Even when we, when we get, like when we first got married and everything, I think maybe'cause you was known as like the nice one.

Sierra 25:39

Yeah, I we have these conversations.

Tre 25:40

They're like, how, how did they end up together?

Sierra 25:43

I do wonder, I, I love to think about like our, our perception, if that makes sense. Yeah. How people perceive us as a couple or, yeah.'cause especially in our early years, because obviously we were young and less mature, but I was very much so more, more people pleasing. I was always holding back the truth'cause I was afraid to offend people. Which I still, I always am like, oh listen I mean no offense in the podcast, so if you've been following, you're like, yep. But then, and you were a lot more

Tre 26:17

way too much over sure.

Sierra 26:19

You were more like, you were more, I just wanna say like, I guess just blunt. Still the same motivation. The motivation did not change, but your delivery has become a lot more eloquent.

Tre 26:30

And I would say that I was also very protective of you, right? So it was like something that I knew would bug you. I wouldn't let slide, but you would have, but I wouldn't. But now there's somebody that speaks up to you. Gimme an example. Does that make sense? No. I can't really give an example without. I'll tell you off podcast.

Sierra 26:56

Awkward. I'm just kidding. Someone know, because I could think of

Tre 26:59

some, yeah,

Sierra 27:01

I, no, I'm just trying to think so if if something's

Tre 27:04

like, you

Sierra 27:05

knew something would bug me.

Tre 27:06

Yeah.

Sierra 27:07

But I'm like, oh, it's fine. Yeah. You'd be like, no, no, no, we're not doing that. Or whatever.

Tre 27:11

I, yes. Yeah.

Sierra 27:13

Yeah. I know. I gross. I'm getting grossed out that I've like. Shared.

Tre 27:20

I'm sharing. I

Sierra 27:21

don't, I don't know why. There's probably

Tre 27:22

lots of other people that feel the same way.

Sierra 27:24

Yeah. And you know what, that's something that I've definitely worked on. Like again, that was in our early years, I feel like I've gotten a lot better. Yes, for sure. You've gotten a lot better. We've really like grown together. Okay, so that's pretty much all the questions. Really quick speed round. Are you an early bird or late night thinker?

Tre 27:48

Thinker.

Sierra 27:50

Fair enough. I dunno. What I expected question is that honestly I asked chat for some other questions and it was like. Do a speed round. And I, I was just starting to read them and I was like, actually, I might skip over some of these. And then that one, and I was like, so that did not go along many times. How many times do

Tre 28:09

you come to me and like, I'm in my own world thinking about a problem or something like that? All of the time.

Sierra 28:15

All of the time. I, most of our conversations start with me saying, what are you thinking about? Like an annoying wife?

Tre 28:23

Yeah, I, but I'm

Sierra 28:24

genuinely wondering, I'm not saying it in any kind of way. It's because I can see you like the cogs are turning and I'm like, what are, I'm having

Tre 28:30

a full blown conversation in my head.

Sierra 28:32

Oh yeah. Sometimes he's gesture, isn't it? Yes. And people will think I'm joking. He actually does that.

Tre 28:37

Yeah. Yeah.

Sierra 28:38

Okay. One more. Coffee or tea?

Tre 28:41

Coffee now. Wow.

Sierra 28:43

Really? Wow, man. Who are you? I

Tre 28:46

know my British ancestors that don't really exist.

Sierra 28:51

Roll over in their graves. Oh yeah. You still do drink tea, but I, I often make it for you now actually. Yeah.

Tre 28:57

And I drink coffee like every day.

Sierra 28:59

Yeah.

Tre 29:00

Joys of children.

Sierra 29:03

We need the caffeine. Yep. Alright. That's it. That's it. So, yeah, that's all I got. Hopefully you guys enjoyed that little, you know, we gotta, we gotta mix things up. That's my, this is my contribution to the podcast. I'm like, hold on.

Tre 29:18

I'm sure, I'm sure people, uh. Much happier with this than some of the other topics. I feel like a lot, some of the other topics, if it doesn't apply to you, like who? Who really cares? Yeah,

Sierra 29:28

that's what I mean. And

Tre 29:29

some of them I feel like I'm covering just so there is some type of material out there, but I'm so cognizant of the fact that like some of the concepts, I might not even be the best explainer of them. But it's like I don't need to get bogged down with, because remember this whole podcast is about decision making. Mm-hmm. So it's like what do you actually do with the information versus knowing all the ins and the outs. So I try to keep it to this is why it's happening and this is the theoretical reasons and

Sierra 30:01

Yep.

Tre 30:02

Is what it's trying to accomplish. Yep. Hopefully it helps.

Sierra 30:06

Yep, totally. Okay, that's it. So I don't know what the next episode is, but it's probably something financial. So we will, we will talk about that later. We'll see you in the next one.

Tre 30:20

Sounds good. Bye

Sierra 30:21

Bye.