Welcome to the Investing for Beginners podcast. In today’s show we discuss with Ashley Clark from Sense 2 Cents:
- How using flashcards is a great way to teach beginning money terms to kids
- What are some of the most common misconceptions about money and why Ashley started working towards reversing those ideas.
- How we can teach money to our kids in a fun way that helps set them up for success in life.
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All right, folks, we’ll welcome to the Investing for Beginners podcast. Tonight. We have a special guest with us. We have Ashley Clark from Sense 2 Cents, the brains, and the beauty behind the brand. She’s got a great story, and she’s got a great product line and awesome, awesome stuff that she’s doing to help teach people about finance, which is, of course, our passion. So Ashley, tell us a little bit about yourself and kind of what you got going on.
I am Ashley Clark, CEO and founder of Sense 2 Cents. Since I live in born and raised in Savannah, Georgia. I started my career as a banker. I was a banker for 11 years at their most recently being able to retire from my nine to five as, since the census. Now my full-time baby, thanks to amazing people, wanting to know more about financial alert, literacy, and learn what their children. I provide the tools to make teaching financial literacy fun for both the parents and the children. It’s a family event. And we’re having fun. The money talk is not a talk that you’re going to be afraid to have with your children because the sense, the sense
That’s awesome. Yeah, that’s what we want. As somebody who has a young one myself, I know that trying to have that conversation has been challenging. So I guess where do we start as somebody? I have a, I have an eight-year-old daughter growing on 15 and, and Andrew does, Andrew does as well. And so, where do you start? How do you, how do you start this
That the goal, the goal I have, is for people to start early. I mean, start small. I mean, well, two years old, your kid getting money, they see dollars. Give them a little piggy bank. Yes. The world is going electronic, but get them a piggy bank and let them see and go through starting to save money. I think that’s a great start. I, I’m always amazed when I first started, people were like, well, what age is this for? What age? And then, and I had an age in mind, but like now I get these videos from kids, and they’re five years, and they’re talking about assets and liabilities just because of the card. So I try not to put an age limit on it because I mean, the ABC’s was probably once very hard for children of a certain age to learn, but, you know, once we started incorporating it and making it a thing that we do, and it’s not a pressure, you taking it like you’re having fun with it and it doesn’t have to be, Oh my God, sit down, let’s have this conversation.
So I said, two years old, that’s the perfect time to start showing your children and how to save.
Yeah. That’s, that’s awesome. That’s, that is the way to go. And I, I agree with you. So I loved your story that you had on your blog about when your dad gave you a roll of dimes, and that’s kind of what started you down, down that path. That was, that was kind of cool.
It is so crazy. It’s until people started asking me questions, like, where did your love of money come? Why are you taking my money? And I’m like, wait; maybe it was this. Maybe it was this. And then I started connecting things. I saw a guy from I knew in middle school, met a middle school a few months ago. And he was like; I will never forget you. You were the first person I saw with the $20 bill. And I’m like, wait, what, why, what, what, what was going on with me and money? I liked dimes that dance or so small and Brown. I mean, I just liked the feel of dyes when I was a little girl, and I told my dad, and one day he came home with a roll of dams, and it felt like Christmas, like how many dimes I have. So it’s, it’s been a love affair that I realized started early on. Now that people ask me questions, like, what made you start to like the money? I’m like, maybe it was this. Maybe it was this. I have so many things that come to mind without even knowing it. I fell in love with money.
That’s awesome. What kind of programs do you have that you think are great starters for kids and help them down that path?
Okay. So first product launch was a, well, our flashcards financial literacy flashcards, and it’s common terms that you hear, and you may not know it. And I know that because I was a banker, and that’s what true West brand because people would come in and be like, wait for a dividend what interest, why what’s going on credit utilization. From there, we, I mean, my, my coworkers, my team, I was like, yo, let’s start writing them down words that we hear a lot that we feel like people should know. And we started doing that. Then I went home and started teaching my kids. And one day, I recorded a video and uploaded it on Facebook. And people were like, wait, what are you selling these flashcards? And I was like, No, I’m not.
But I could cut in that. So flashcards are our products. The main product that we offer in it says something like a bank, a financial institution for profit, and we have different like let’s see credit inquiry, it requests by a company to view your credit report. So we have very simple terms to start with. And we do have an expansion impact now, whereas, in this first pack, we talked about insurance now in the spectrum pack, we’re talking about auto insurance, life insurance card, home insurance. So we dig a little bit deeper, which’s been great because kids are getting to see the bigger picture. And with that, I have a board game. So when creating the product, I want, I want it to be able to show kids how his stuff will work in a real-life scenario.
So now, you know, that board game buying when you’re buying your properties, the, your credit score is going to play an impact based on what your credit score is, is, is going to impact what you may be able to perk me, or may not be able to purchase and how much you are going to spend because that’s a very important lesson that a lot of people don’t get. And once again, I know that because I was a banker. So with the board game being able to start with that and kids can see, Oh, like, this is what’s going to happen. We have on a game; we have a life happens stack of cars. So you may land on a life, happens, life happens, a board game based on the game. And with that, you will have to pull the car from the deck, and with the life that happens, it can be something good happens.
It can be something not so good to happen. It can be like, Oh, it’s a self-care day. You want to take the day off from work and just go to the movies when people did that and hang out. So it, it’s all types of, you know, scenarios of things that may happen. Like you got in an accident, roll the dice. If you get an even number, you had car insurance. If you have car shoes and that’s going to impact how much you’re going to have to pay your deductible, which is one of your financial literacy flashcard words. So just incorporating the terms. So, people, kids can see the whole three 60 of how the words work because we don’t want them just to be able to recite the words wouldn’t be able to understand
I love that. Sorry, I have To go. I just have to buy them because Ashley, you talk about your love of money serve with a pack of dimes. Mine started with Monopoly. And so as soon as you bring up a board game, I get flashbacks of like having my little stacks of Monopoly money. And just something about that, you know, made me really get drawn to this idea of having rental real estate, you know, and then that kind of translated into liking dividend stocks and getting those income streams. And so, you know, I love this idea that you have a game and you’re making it fun. And then, I mean, I imagine if I knew Monopoly and then I got to learn about insurance at a young age or these other great key terms where, you know, the earlier you get exposure to it, the easier it is to understand. And, you know, I think that’s super valuable for anybody who’s growing up and then needs to learn those things.
Right. Yes. Yes. I feel the same way you, you feel, because, I mean, I can say when you, when I started seeing these kids and the conversations they’ll have about money, it once we introduced them to things, so I am a homeschool parent. Today, my kids and I will come what we sat, and we had less than about ETFs. We had, you know, we talked about, we talked about dividends. We talked about the stock they had and what stocks we are going to buy from them continuously. And I was able to say, you know, a dividend we’ll talk about shareholders, just words that were introduced. Now, having that conversation with them, it was a lot easier for them to understand investing. And why, why can’t we have those conversations at a young age? You know, just because it was never taught in school in the past doesn’t mean it shouldn’t be taught in the future.
Exactly. Because like I said once, I mean, it can be as easy as the ABCs, if it’s second nature and we’re, we’re making sure we’re, it’s still fun. I mean, when it’s, when it’s fun, it makes it a lot easier. That’s why the Workman flashcards, they’re bright and colorful. Kids get excited at parents who say their kids saw the cars, and they just wanted; they took an interest in them. Of course, when you have a board game with the board game, you know, you’re paying, you’re earning your money. You know, that plays a big, I mean, when you make it fun, it’s a lot easier for children to enjoy it. You know, if we don’t present it as old, this might be a hard thing to talk about, but just introduce it, introduce it lightly.
Are there other things that you do or advise to make kids engaged? Is it just about, Hey, try to spend some time playing one of these games or do one of these flashcards, or are there other things that kind of help with That process?
For other parents that I’ve reached out to, or reached out to us and me, they said being able to be in, in the, in the grocery store, real-life scenarios, grocery store, and they swipe the card, and they said, their kid is looking at it saying, Oh, look, that’s saying credit our debit. And then you can say, well, you know, credit, you know what credit is? Right. Because we had those flashcards, some of our credit, tell me what debit. So you know that I’m going to use credit. So I’m going to use this money, not out of my account. So being able to introduce the conversations to your children, my husband recently bought a truck, and when he got home, I was telling my kids, well, you know, your dad, he’s transitioning to being a, he’s going to own his own business.
So he’s going to be there as an entrepreneur, I say, and what he purchased because this will help him. This is a great resource. And we’re talking; we’re going down all of the words. Assets. Yes, yes, yes. To say, put it in the savings account. Just talking about the words that made them understand, like going through a whole process of how it works, helps us. And many other families were able to say we have some envelopes for children. They say, save, donate, invest, and spend. And parents are, you know, having their children say what then when they go to the store five and below is what the last parents told me. They’re pulling out the envelope, they’re talking with their kids, you know, you’re going to do this and just being able to make it real life. So it’s not just flashcards. And you know, you’re not just reciting them, but you’re going through the process of understanding.
Yeah. That’s, that is the key. And I think using it and making it real life, I think is the key. So I guess, why do you think this is? Why do you think there’s such a lack of education around money? It’s I, I too worked in a bank. I worked at Wells Fargo for almost five years and, and I was a banker, and all the things you’re talking about are exactly what I would come home every day and just, I’d be stunned by the comments and the questions that I would hear. What do you mean? I don’t have money. I have checks or, you know, building up my building my credit because I’m using my debit card every day. You know, just those kinds of things. It’s just the common knowledge that people just don’t have is it’s, it’s staggering. And I, you know, I love that you’re doing this. And, but why do you think this is, why do you think this has kind of happened?
I think this has kind of happened. My view on it is it’s kind of happened because why would they teach us? And we learn, and we do it right. Imagine how much money would be lost on the grander scheme of things if we knew how to pay off our credit cards before.
We would be if everyone were doing that. Okay. Right. And that’s just a small snippet of how it would affect us. And that’s the only reason that I can see in my head because we, I mean like 67%, like, or 67% of people said they hadn’t used algebra since they got out of high school, but they will never be taught financial literacy and use it every single date, like every day. How, like, this is important, guys.
Yeah. It’s, it’s, it’s critically important. And it’s, you know, I know that my parents never taught me anything they, you know, is probably like most people would just kind of went out into the world, graduated from school, got a job. Then, suddenly, I had to start figuring out how to do all this stuff, basically on my own. And probably like most people making mistakes and then going from there,
I was going to be retroactive about it. And that’s kind of how it started with kids. Cause I decided I would rather be proactive versus retroactive with it. Yeah. That’s how I started with the kids. I always so the story of on college, like the first week in college, it was a capital one. Maybe some bank I should remember because I paid them a lot of money. You guys want free pizza to apply for this credit card.
It wasn’t free. It wasn’t free.
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New Speaker (18:23):
No, it wasn’t. I remember I had a; I had a young man come in and apply for a college credit card. And I remember specifically telling him if you go out and max this out, that money is not free. And I said, do you think that, Hey, I got a thousand dollar credit limit. I can go out, buy my X-Box. Now that X-Box is you don’t pay it off, that thing will cost you three times what you’re paying for it.
And that’s so; I’m so glad for you to relate with this stuff that I’m saying, because sometimes people are like, no, that’s not happening. I’m like, no, is people are staying out of their real mouth every day. Yeah. So it is. That’s why I had a passion for when the young people came in, and I’m like, you’re going to have to do this, you know, just talking to them and letting them know, like, you’re going to want to do this. Once you get this, we’re going to see your statement, statement, date; we’re going to figure it out. So if you’re going to use this, you want to build credit, get, get your gas. You already paid with your gas, with cash, get your gas on a credit card. I want you to take a few weeks and pay it right back off—no more than three weeks. I want you to pay it off. And there was one man, we got one young man. He came in,
I saw this cool blog post on your website about financial literacy and women. And I thought that was interesting. And I know that’s something that Andrew and I have talked a little bit about in the past because women and finance don’t seem to mix for whatever reason. And I don’t understand why, because you know, we all, we, everybody in this room here, we all know that women are the smarter of the sexist. So why aren’t they? Why aren’t there a bigger part of finance?
Okay. So you had to realize that until the 1970s, women weren’t even allowed to have bank accounts. So, I believe that plays a major factor in it. It was all on the man. And when you think about the seventies, that wasn’t that long ago; heck, I was born in the eighties. Yeah, I think just how it was set up, whereas like with the generations where my grandparent’s generation, it was like, let him handle it. He’s going to handle the house. And I’m going to handle my head and the kids I’m going to handle cook, AMA handled, taking care of the family on, whereas the man was the provider and he was paying the bills and making things happen. And I think with my generation that we are changing, we are changing with that. A lot of women that I come in contact with are handling, like you say, handling the households because they feel like they can handle it and manage it a lot better than their husband or he’s tried. And you’re like, Oh no, let me step in, buddy.
Oh yes, no. I agree with that. And I just think it’s, I just, I’ve never really understood why. So that’s, that’s an interesting point about 1970. I did not know that. So that’s a fascinating tidbit; I think you’re right about that.
Yep. Yep. So, so yeah, my, yeah, my mom. Yeah. She wasn’t able to get a bank account until, you know, the seventies. So yeah. That would make sense for me.
Yeah. It, it absolutely would. So I guess going back to the kid, part of it, thinking about, let’s say we have a kid that’s a little bit older, let’s say 10, 12 years old. What are your thoughts on working with them instead of somebody who’s, you know, six, seven, eight? Is that the same kind of idea, or is it a different, different path?
I think that’s I think it’s, again, it’s an awesome age. I just saw someone probably about a kid, about 12 or 13. They had posted a video talking about the cards, and I think that’s a great age. That’s why we came out with their we came out with the workbook of financial literacy workbook, and in the workbook, It’s like coursework. So we talk about savings and banking spending in credit insurance, the economy and business, taxation, entrepreneurship, retirement, and their different tabs in the books. You know, we start by savings and buddy budgeting by going from needs and wants. Have you figured out what needs and wants are creating a budget, having to compare budget, shop budget? We talk about interest in banking credit, which is awesome for older children because they learn the words, but now they can see once again, not even from the board game, but Hey, we got this workbook, and let’s figure it out. So yeah, you can teach your child, especially once they’re like 12, 13, they know that in a few years, Hey, I’m going to want a debit card. Most of them are wanting debit cards, younger and younger. Now kids don’t want any debit card. So then human, you could start into the, Hey, you’re going to need to save someone is money, you know, and talking about credit because that’s something that’s going to hold on.
You use the B-word, the budget. Tell me more about that.
Ah, yes. Yes. Yes. I’m big on budgeting. I always teach first, and all of my classes budget in first because I feel like once you budget it, you can save once you save, you can start investing. And those are my main focuses.
Yeah. Do you have anything about compound interest as well? Did you talk about that at all?
Talk about compound interest in the workbook.
Okay. All right. I love that you included entrepreneurship too because I think, you know, I think there’s probably a lot of one-day entrepreneurs who maybe don’t even know that that’s possible if you’re not exposed to it at an early age. I’ve been fortunate to have influences that have been successful entrepreneurs. So I always knew it wasn’t like some arcane concept. I knew it was achievable because I’d seen people who I knew who were able to do it. Having, having just a resource to, to kind of immerse you and get you on your, on your foot and know it’s not some foreign concept. I think that’s super cool.
Oh, thank you. Thank you. Thank you. And I said the same thing. My mom was an entrepreneur, and so I saw her doing it. So it was easy for me to say, Hey mom, I want to start this business were doing like this and telling her as, whereas I have had many friends who were like, my mom was like, girl, you to get you a job. So it was; something that I believe that a lot of kids as now with social media, a lot of kids are taking an interest in it. It has more exposure to it than what have, what it has been in the past.
And now it’s so much cheaper to get started. If you compared even to ten years ago, there are so many tools and technologies that made things so much cheaper that you could have a good idea or just even a passion for helping people. And that could be enough to start a great business,
Right? Yeah. I know the same thing for me cause I was tired of people saying the wrong things at the bank. I wanted to help them. And I did. When I first started the business, the sense, the sense I started that and it was, my goal was like, Hey, what I’m going to do is I’m going to help. At least ten women change the way they think about money. From there, all the women were saying, Oh, I wish I had noticed that was a long time ago. I wish I knew this when I was a little girl, you know? And I came into with the information with my kids. That’s why I was like, okay, I’m going to teach financial literacy to children. Then we started having our game and our classes, which was a lot of fun. COVID shut that down. But it’s been, it’s been a wonderful journey because I have a passion for money that I’ve had since I was a child, not even knowing it. And now, my passion is passing on to people all over America. So I like it. And I, I love that you,
You have the pictures on your website of, I think one of them, I look like a full class of kids, and they looked happy, and then I think they had certificates. So that’s cool. Do you have any favorite kind of stories about kids who really enjoy there or kids who found value from it?
Oh yes. I mean, I get parents like, Hey, my, you know, my son got in the car and asked me what my credit score is. So in class, I would do stuff. I mean, most people don’t write checks, but you hope in life that your children will one day get a check in the mail and know how to sign it. So we did, we wrote checks, and we signed the bags of checks, and we gave the checks to the parents of no, we thank them. That’s how we paid our parents for investing in us and for our financial literacy classes. The things they hear that the kids stay in. So funny, I, one class I had a credit and investing class, and we talked about it. And this young man yells out this answer, and the little girl looks at him, and she says, no, that’s the wrong thing.
What do you think about a 401k? And I’m like, Oh my God, actually listening to me and studying their financial literacy stuff. So the kids are a lot of fun, and that’s what I love to see is seeing them learning and cause they get the point in because a lot of times we put restraints on our kids like, Oh, they don’t know how to do that. They can’t talk about this. What we had one kid, he, he fixed iPhone. He was like, I’m an entrepreneur athlete, iPhone. And I charged this, this, this, I worked this, this, this. And I was like, wow, that’s amazing.
That is amazing. It’s fixing iPhones. Okay. Yeah, exactly. Good. Teach me how to do that. Cause I can’t do that. Yeah. So that’s, that’s awesome stuff. So I guess what I guess thinking about the investing part of it, that’s something that we talk a lot about. So w what kinds of things do you try to help the beginners with, do you, do you start with like the basics of what a stock is and, and those kinds of things and, and kind of move up the food chain?
Yes. We start with stock. We start with shares. We start from there because those are some words in the flashcards. We start dividends, you know, shareholders start from there. And then I try to introduce, you know, small lessons think about somewhere. That is, you love to go. What’s a company that you think, you know, just introduce it. I think it’s something that you like. So make it relatable to a kid. What is something like a roadblock says here, my son this morning was like, have you bought our stock shares and roadblocks?
Introducing things that, you know that they enjoy and, and just say, you know, this is what’s going to happen. We’re going to do this. And if we did this, this can happen. Now and my last week with me and the kids were talking about the stock market, and we thought about the bear and the bull and how that works. Just small, that’s kind of small lessons without them even knowing that this is important stuff that will help them for their life, which will help them for life. So I just try to do it again once again, do it lightly.
Yeah. That’s, that’s, that’s the right way to do it. I agree with you a hundred percent. So I love, I love all this stuff that you’re doing. So I guess you tell me a little bit about what you think we could do for adults to help them with this. So we’re talking a lot about kids and stuff. So what do you think we could do to help the big kids?
Kind of the same process. And that’s the thing when I first started selling flashcards on we’re coming up on our year in two weeks on April 15th will be our second anniversary. So when I first started selling to kids, parents, parents were like, Oh my gosh, I’m learning stuff that I didn’t even know. Like, this is stuff that I didn’t know. And I had adults like, can I get the cards? And I’m like, yes, because, you know, I wrote it in the simple simplest format. So the kids can understand what, you know, parents’ old parents tell me that they’re also enjoying older people. As far as the workbook, I have a lot of fun with the workbook. I’m also introducing conversations amongst each other. It’s like friends are afraid to talk to each other about money. And that’s the lesson I learned for myself in the beginning.
I had a friend who, one of my best friends since high school and she starts, and I’m like, cause they, they were going to trip. We would go on a cruise. And I believe like, Oh no, that’s not in my budget. Like, I’m going to have a drink, but I’m not going to have ten guys. So that’s what, and they will put you in, like, I’ve never, I’ve never done a budget. I’ve never had a budget. And I’m like, Oh wait, no, as I can help you. And that friend I’ve helped her, her credit. I called her, we called, I called her screaming cause I still monitor credit with her permission. And she’s like, I called it. I was able to call her like you have a 700 credit score now. And that’s all it wants again. This is why I teach budgeting first. It’s all because she started budgeting, and then she started saving; when she savings, she can pay off more debt. She can start investing to make more money. I mean, it just trickles down to just an amazing impact.
They don’t realize the impact that something like credit can have on them, saving money. Most people think of it as buying stuff, but they don’t realize that credit can help save them money on what they buy because they get better interest rates. And they don’t even think about the thing. The fact that it affects our car insurance and the better your credit score is, the more money you can save on your car insurance. So they don’t realize all that stuff. And one of the things that Andrew and I talk a lot about, and I think if I feel like that money is a language and I think it’s a language that isn’t taught. That’s one thing that I like about what you’re doing so much because you’re teaching everybody else language. And I think that’s something that I wish more people were doing that for sure.
Yes, yes, yes. It’s going to be more of us. We’re going to like quadruple super; we’ll do as much as possible. We’re going to do a snowball effect. Yeah. That’s why I I when I come in contact, well I help women who want to start a business also, cause I’m big on entrepreneurs and people were like, you’re helping I had, I helped the lady who was doing financial literacy. Like you’re helping her. I’m like, yes, we listen. It’s a lot of you all that need this information. Like we can do this. We like I’ll teach as much as possible. So that, I mean, why not duplicate what we’re doing and make an impact. I think this generation will be the generation that will change the way we think about money, our kids, or have a different conversation about money.
Yeah. That’s so perfect. I think that’s a great way to put it, and it makes me optimistic and hopeful. And I think that Hope’s well-founded, and it’s inspiring to hear from you, Ashley. So can you, you know, you’ve mentioned that some of your resources, can you talk about those where people can get them if they’re interested in getting them and where they can find out more about you online?
Okay. So on Instagram and our website, we are a sense S E N S E the number two since C E N T S. So as, since 2 cents a little play on words for an Instagram and Facebook and also our website, you can get there since two cents.org, since then, since.com Google, since the sense she’ll be able to find us.
Awesome. Thank you very much for taking time out of your day to come to talk to us. I enjoyed this. And I think honestly, the service that you’re providing to people is something that is, is much needed. And I appreciate you doing this to help other people because it is, is so needed.
Thanks so much. I appreciate it. Thank you all for inviting me.
You’re welcome. You’re welcome. This was a blast. So we appreciate you coming out and talking to us, spending a little bit of time with us, and sharing some of your knowledge.
See you, Ashley. Thanks. Thanks, Ashley.
All right, folks. Well, with that, we are going to wrap up our conversation with Ashley tonight. I wanted to thank her again for taking the time to come and talk to us today about this very important subject and her great materials and website that help people learn the language of money because that’s what we’re all here to learn a little bit more about money. So without any further ado, I’m going to go ahead and sign us off. You guys, go out there and invest with a margin of safety emphasis on safety. Have a great week, and we’ll talk to you all next week.
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