The Hard Truth About Helping Friends With Money

"My stepson just turned 20. What is the best way to "teach" him about making his dollars work for him vs sounding like I am "preaching" about it?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

  Welcome to the 50th Hunger Games.

• 0:01Speaker 01

  Witness the beginning of the revolution.

• 0:04Speaker 02

  Hey Mitch, you've been trying to take down these games from the start.

• 0:07Speaker 01

  Filmed for IMAX.

• 0:08Speaker 02

  Make them remember you.

• 0:11Speaker 01

  The Hunger Games: Sunrise on the Reaping, November 20th, rated PG-13.

• 0:15Speaker 03

  LinkedIn is pretty amazing at helping you grow your small business. We cannot stop your new clients from emailing you at 3 a.m.

• 0:24Speaker 03

  We can help you sell, market, and hire in one place. We cannot help you be in three places at once.

• 0:32Speaker 03

  And while we can't help you organize your calendar, LinkedIn can help you land more clients so you have a calendar to organize. Grow your small business on LinkedIn. Learn more at LinkedIn.com/smallbusiness.

• 0:52Brian Preston?

  The hard truth about helping friends with money.

• 0:55Speaker 05

  Brian, I am so excited to talk about this because a lot of times, money has a difficult nature associated with it. Sometimes it's difficult to talk with people about it and it's even difficult when you see people making decisions that you know might be less than optimal. And I love that we can speak into that kind of stuff. Matter of fact, I love that we can speak into all of the things that you guys are curious about. So right now, we have the team in the wings collecting your questions. So if you have a question you want us to weigh in on, you want us to get, or you want to get our take on, I would encourage you, get it in the chat right now. So with that, Megan, I'm gonna throw it over to you.

• 1:35Speaker 06

  Great. Well, our first question is from Michael T. He says, "My stepson just turned 20. What is the best way to teach him about making his dollars work for him versus sounding like I am preaching about it?" I feel like this is definitely something a lot of our mutants face, wanting to help people but not knowing how to go about doing it.

• 1:55Speaker 05

  One, I love it. This gets me super excited because when you think about a 20-year-old, they are right there at the beginning with the entire life ahead of them. And man, if you can start getting some of those like financial nuggets, some of those little pieces of valuable financial information into their minds at this age, and if it takes hold, it can literally be life-changing and generation-changing, so much so that we do an annual survey, Brian, of our clients and of our Money Guy family every year. And we say, hey, what's one thing that you wish you would have done differently? Or what's one regret you have? Or what's one thing that you wish you could tell your younger self?

• 2:36Speaker 05

  And so often, we hear, I wish I would have started early. I wish I would have saved early. I wish I would have began sooner. I wish I would have... And so it is wonderful, Michael, that you sit here with your stepson with this opportunity to relay to him this amazing financial information. But how you do it, Brian? Like, what's the way that you... How do you do such a good job of connecting with the youth?

• 2:58Brian Preston?

  Well, here's the thing. Let's all be honest. Sometimes when you love someone or you're too close, it does either come off preachy, or they're just so close to you, they don't even give you the weight that maybe your voice has.

• 3:12Speaker 05

  Yep.

• 3:13Brian Preston?

  I mean, look, I'm even guilty of, you know, we had our Christmas party last week, and I shared that in the last 90 days, we've had over 5 million people come through YouTube, unique individuals that's not repeats. And, but I said, yeah, I have struggles with even my own adult daughter, you know, because she loves me, knows me, but sometimes advice from me is different than if somebody else gave the advice. And that's why I think if you're worried about coming off as preachy, you gotta, you gotta find trusted sources. Sometimes it's better, or even uncomfortable conversations. It's better to see if there's... Something on YouTube, if there's a book, you know, and that's one of the things. I mean, well, that's why a lot of you have noticed, we have these new mini-series, kind of these

• 3:58Brian Preston?

  I want these little mini-episodes that we've been releasing, and you're like, what's going on? Why are the guys doing these five to eight-minute videos where they're talking about like bowling point, or wealth killer, or knowing the difference between different account structures, or even the way income taxes work? We've done that on purpose, because we give you guys a lot of long-form content, but we wanted to kind of shorten some things up, so we could give you more educational tools. And then, I'd be remiss if I didn't share that the way I got into the whole financial game was I read The Wealthy Barber, and then Millionaire Next Door, and I've tried to continue on that legacy of paying it forward when I wrote my New York Times bestselling book,

• 4:39Speaker 05

  That still sounds cool to say that, doesn't it?

• 4:40Brian Preston?

  By the way, it made it back on the bestseller list last week, so I don't know if it was the Amazon lightning deal, or what, but I appreciate everyone of you guys, and I still am reading those reviews, as a few of you guys have noted in the reviews on Amazon. But I thank you, and I think that providing a trusted source can go ahead and front in some of those hard conversations early.

• 5:01Speaker 05

  Yeah, I think, so those mini-shows, they come out every Wednesday, so again, if you are not familiar with that, and you haven't paid attention, those shows are now coming out every Wednesday, brand-new content that you do not see anywhere else. So I would encourage, Michael, you to tell your steps on to check those out. And then, the other thing that I would do is if you can get him excited about what that opportunity can turn into, I think that would be a real way for the financial information to take hold. So if you've not gone out to moneyguy.com/resources, and played with our Wealth Multiplier Tool, and showed him that for him, $1 can turn into $88 by the time that he gets to age 65, then you let him begin to play with that, and see, okay, what would happen if I save $50, $100, $200?

• 5:45Speaker 05

  What could that turn into? If he can grasp that concept, and get excited about that, well, then you begin to create a behavior that will take him through the rest of his life, and be super, super, super exciting.

• 5:58Brian Preston?

  No doubt.

• 5:59Speaker 05

  Oh, you were smiling, I thought you were smiling about something.

• 6:02Brian Preston?

  Can I tell you why I'm smiling?

• 6:03Speaker 05

  I'd love to know.

• 6:04Brian Preston?

  I just noticed behind Megan's set, that somehow Nick has made it on there. By the way, Nick, I worry for you, brother. Your parents, your parents love you so much that I'm like, oh, man.

• 6:17Speaker 05

  I'll worry for us, not for you.

• 6:22Brian Preston?

  Yeah, by the way, Nick's got a little cameo in the background next to the clock.

• 6:27Speaker 06

  I'm glad you noticed that.

• 6:28Brian Preston?

  Oh, I'm sitting here and I'm like, oh, my gosh. Somehow, these things are all over the place. We had it, because we have an advent calendar here in the office for Buddy the Elf.

• 6:37Speaker 05

  Uh huh.

• 6:37Brian Preston?

  And somehow, it's, you know, Nick and all the elves.

• 6:41Speaker 05

  Nick and the elves hanging out.

• 6:43Brian Preston?

  Hanging out at the advent calendar.

• 6:44Speaker 05

  It's amazing.

• 6:45Speaker 06

  I love it. All right, Michael, thank you so much for your question. And for those mini-shows, we've been super excited to have them going out. So if you have any feedback, if you have videos that you want us to make, that you want to send to people, definitely leave a comment so that we know what content you guys are looking for. All right, you guys ready?

• 7:03Speaker 05

  Is the day, is the day a Tumblr day?

• 7:05Speaker 06

  It can be a Tumblr day.

• 7:06Speaker 05

  I think it's Christmas season, Brian. What do you think about that? Should we give away some tumblers? I think we should. Can we give away, it's Christmas, can we give away some?

• 7:12Brian Preston?

  They are going to kill us, because I know for a fact, we did tumblers last week. But why not? It's Christmas season, we can, we can do more tumblers.

• 7:19Speaker 05

  That's what I think.

• 7:20Speaker 06

  All right, Michael, sounds like you're getting a Tumblr.

• 7:22Brian Preston?

  Y'all can thank Bo for, you know, Winner Winner, getting tumblers today, because I don't think that came up in show content meeting at all.

• 7:30Speaker 05

  It just kind of hit me, it's the season of giving, I like it.

• 7:33Brian Preston?

  All right, why not?

• 7:34Speaker 06

  It's Michael's lucky day. All right, just email winner, W I N N E R, at moneyguy.com for your own Money Guy Tumblr.

• 7:40Brian Preston?

  Remember to, to, you know, really do some good tax planning. You want to accelerate your expenses at the end of the year, and then you want to defer income. So I think Bo is trying to accelerate some additional expenses here at year end.

• 7:53Speaker 06

  I love it.

• 7:54Speaker 05

  You're welcome.

• 7:55Speaker 06

  All right, you guys ready for the next question?

• 7:57Brian Preston?

  Sure.

• 7:57Speaker 05

  Yes, ma'am.

• 7:58Speaker 06

  All right, this one is from Carlos E. He says, "Good morning, Money Guy family. Is it okay to continue to invest even when you're laid off? I'm getting a six-month lump sum payment, and I want to invest 25% into a mega backdoor Roth, if possible. What are your thoughts?"

• 8:15Speaker 05

  Man, okay, so this is, Carlos, I've, I've actually had- Bad clients that have asked me this question before. They either get laid off or there's a reduction in force. And they are so wired to be financial mutants and they are so wired understanding how to build and how to grow their assets that it's hard for them to like flip that switch and turn that off. Now Carlos, we cannot give you specific advice because we don't know the unique intricacies of your financial situation. Here's what I do know though. A lot of times when people are laid off or out of work, specifically if there's something industry specific caused it, the amount of time that it's going to take for you to get back into the workforce is likely unknown unless you're in a vocation

• 8:58Speaker 05

  where you're highly employable at a very short amount of time. So given the uncertainty and the unknowns, whenever someone enters into an uncertain time, whether it be being laid off or whether it be entering into retirement or financial independence, we always love the idea of erring on the side of conservatism. We would much rather you be more conservative and things turn out better than you thought than more aggressive and you have to make some desperate, dire or less than ideal decisions. And so when I hear that you're laid off and your income is going away and you have a severance package, rather than you getting super excited about doing the mega backdoor and dumping 25 and captivating those dollars. Because once you do the mega backdoor and you get them into Roth,

• 9:42Speaker 05

  unless you do an in-service to get it out of the plan, you roll into a Roth and you try to tap into your basis, those dollars are pretty much locked up until 59 and a half or at least they should be locked up until 59 and a half. And I would argue that as you go through this season of uncertainty, I want you to make sure that you're flush on cash so that you give yourself the amount of time to get back on your feet, to get back into stable footing. So in my opinion, I think someone going through this situation, I would err on the side of parking it in cash to give myself flexibility as opposed to trying to invest it, trying to be aggressive, try to implement investment strategies.

• 10:21Brian Preston?

  I wrote two big things down. I said, "Timing is everything." Because Carlos, I think you're in a season. And Bo had used the word uncertainty, you know, having a layoff. Now, this could turn into a blessing. And the fact that, you know, if you get a new job that much sooner and you still have leftover, by all means, let's reward good with good. Good news can turn into even better news by putting that money to work. However... Don't do it beforehand. I mean, I think you need this money because what's, you just don't want to get to a situation, cash is, as I've shared in Millionaire Mission and I've talked about on the show many times, is, you know, really taken for granted. It's

• 11:02Brian Preston?

  like the air we breathe. We take it for granted until you go underwater and then you quickly realize, oh, my gosh, this is priceless to have liquidity during this emergency. So let's not get so excited being a financial mutant that we go ahead and soak up all the oxygen in the room before we make it out of the emergency situation. Let's actually make sure that the vault door, you've come up for air and you've got your new job and life is looking good and it's optimistic and then let's then evaluate, how do we reward the good with good? And that's why I say timing is the most important part in this. So don't hold and, you know, wait until you actually have the good news come your way

• 11:46Brian Preston?

  and then you can reward yourself. It's great.

• 11:48Speaker 06

  Wonderful. All right. Thank you, Carlos, for your question. If you would like a Money Guy Tumblr, you can email [email protected]. All right. Next up is a question from William C. He says, I'm 42 and my wife is 32. We're currently saving 25% or $51,000 a year. Should I use any remaining money to pay off the house or to invest? I got started late. Our current investments totaled $253,000. So with that extra money, paying off the house or investing it? I feel like this is another common mutant question that we get.

• 12:24Speaker 05

  So saving 25% and that 25% comes out to $51,000 a year.

• 12:30Speaker 06

  Yep.

• 12:31Speaker 05

  And so should I, well, you know, William, you said it. So it's interesting. I think the reason why William's asking the question is because there's some age discrepancy between he and his spouse, right? He is in, I'm going to call it early 40s, but nearing the mid 40s, but she is in the early 30s. And so they're trying to figure out where are our dollars best utilized? Because that's ultimately, whenever you make the decision around deploying, deploying capital. To go grow for you or deploying capital to satisfy debt is an opportunity cost decision. Where can my dollars be best utilized? Well, when I hear you say, hey, we are kind of behind. I got a late start. I've not been putting my money to work as early as I should be.

• 13:14Speaker 05

  The immediate first question I would have is, okay, well, what's the interest rate on that mortgage? Because I think that's an interesting piece of information to have. Now, no matter what the answer to that question is, I don't think that my advice or my counsel would change, but I'd want to know that piece. And certainly, William, if you were someone who was in one of these mortgages that's at like 2.5%, 3.5%, 4.5%. In my opinion, that's a really hard argument to suggest going to pay off the debt. But what if there's someone who got into a house more recently and they're at 6%, 7%? Does that change the advice, Brian? Or what would you tell?

• 13:48Brian Preston?

  Well, I think it's like, you know, it's a financial triage moment. You have to immediately ask yourself, where am I? Because you have a gut feeling that you're behind. So I would, I would encourage you to, and this is why we came up with this tool is because we realized there's a lot of you out there that are trying to figure out, are you ahead of the curve, behind the curve, or right where you need to be? So go to learn.moneyguy.com and check out our Know Your Number course.

• 14:12Speaker 05

  It's a great call.

• 14:12Brian Preston?

  Because you really, you've got to know where you are in this process. Because I would love, if you're already at the goal of saving and investing 25% and you're right where you need to be or even ahead of the curve, you know, yeah, you're probably three years too soon. I'm just going to, you know, challenge you, is this the right time to pay off the mortgage? But I'm not going to hold it against you if you're ahead of the curve. However, if you, if your gut is right and you do the, you do the, use the tool and you find out, yeah, man, yeah, I'm up to 25%. But as even if you go to moneyguy.com/resources and what's your, what's the new, I screw this up every

• 14:51Speaker 06

  How much should you save?

• 14:52Brian Preston?

  How much should you save? I was going to say, what 25% could you do? How much could you save? If you go check out that resource, it's going to show you that, yes, for anybody who started saving and investing in their 20s, it's probably under 20%. But you'll quickly We find out if you started a later, beyond age 35, you kind of, if you really want to be ahead of schedule, you've got to go beyond 25%. So the start date that you started saving and investing does have an impact on that. But you've got to really turn the personal into personal finance by doing the homework, figuring out exactly where you are in this process, and then being deliberate. And don't forget, I'm still a big fan of paying off the mortgage post 45.

• 15:37Brian Preston?

  And so I think that you're under that, and you feel like you're behind, there's some things there. If you just do a little additional digging, do some homework, I think you'll, all this will start to be uncovered. The plot will thicken, and you'll understand exactly what you need to do as your next steps.

• 15:53Speaker 05

  I think one of the exciting things, they have a big shovel. They said that they're saving $51,000 a year, which is 25%. I'm not good at public math, so I did it on my calculator. That's like a $200,000 household income, right? With a shovel that big, even if you are behind, and maybe you haven't made the perfect decisions, at 42 years old, if you're planning for a normal retirement age 65, you still have plenty of time to get your dollars working for you. You may have to work a little bit harder, get that savings rate, savings rate up a little bit higher, but with a shovel like that, it is certainly doable in most parts of the country to be able to really sock away wealth and build for the future. So kudos to you guys for being what sounds like in a great spot, moving forward. Yeah?

• 16:37Brian Preston?

  I agree.

• 16:38Speaker 05

  Love it.

• 16:39Speaker 06

  All right, William, thank you so much for your question. If you would like a Money Guy Tumblr, you can email [email protected].

• 16:46Speaker 05

  You know, you know what else, Megan? I just thought of this, this hit me. You know another thing that I want to make sure that William does? Make sure you subscribe right now to the channel, because if you have not subscribed, you have not rung the bell, you won't know when we're putting up new content. Like, you guys might not know this, but every single Wednesday, we have a brand new mini show coming out that we want you to know about. So if you were just renting your seat, we would love for you to purchase it. It is so, so cheap. All you have to do is subscribe so that we know that you are out there.

• 17:18Brian Preston?

  Hey, before you do the next question, you know how, because I was doing the, when I was giving the talk at the firm Christmas party, and I gave the $5 million stat, 5 million unique visitors in the last 90 days? I just get it right. The unique thing I thought, speaking of unique, well, I don't know, how many times can I say unique?

• 17:38Speaker 05

  Keep saying it.

• 17:38Brian Preston?

  Is that 2.2 million of the five were people who were, you know, not returning visitors. Meaning that these were people who just discovered the Money Guy Show for the first time. So I thought that that was kind of an interesting thing. That people are discovering this at all times. So if you think that we're doing something like, man, that's stale. These guys cover this, realize, a lot of the people who are coming through our doors are brand new to this concept of the wonderful world of personal finance, and we're trying to catch them up.

• 18:10Speaker 05

  What I just heard is that something like 2.5 million folks are returning viewers who have not subscribed to the channel. So subscribe to the channel.

• 18:18Brian Preston?

  You know what, I didn't even think about that point. That is a good point, too, is that our channel, we have a little over 520,000 subscribers.

• 18:25Speaker 06

  It's a lot of people not subscribed.

• 18:26Brian Preston?

  And then there's 2.7 million people who are returning, who obviously were part of their hangout time. And yeah, you know how much cooler it'd be if this thing was over? Go ahead and let us have that gold button.

• 18:36Speaker 05

  Come on, it'd be so cool. I really want that gold button.

• 18:38Brian Preston?

  We have to hurry up and get it before they quit giving them.

• 18:40Speaker 05

  Before they do away with the buttons, that's the idea.

• 18:42Brian Preston?

  I'd like to be old school and be like, hey, remember that time that YouTube used to give out buttons for the, you know, subscribers?

• 18:49Speaker 05

  Is that what you're gonna sound like when you're an old man? Is that good, is that Ryan's old man voice?

• 18:53Brian Preston?

  The boiling point.

• 18:56Speaker 06

  Can't wait for that.

• 18:59Speaker 06

  All right, and we do have a lot of new content coming out beginning of next year, too.

• 19:04Brian Preston?

  Put that in my stand-up routine. That obviously killed. We're gonna put that in there.

• 19:09Speaker 06

  I love it. All right, you guys ready for this next one?

• 19:12Speaker 05

  Yes, ma'am.

• 19:13Speaker 06

  All right, this is from Andrew B. He says, how long does it take to break even when you're doing a Roth conversion? And are there other things to consider on Roth conversions, other than just the break even point?

• 19:27Speaker 05

  How long does it take to break even for Roth conversion? I want to think through how the question that you're actually asking here. So if I convert pre-tax assets to Roth, I'm going to incur some sort of tax liability. So let's say that I'm in one of the lower tax brackets and I, if I convert a dollar to Roth, I gotta pay 12% federal taxes on that. I think what you're asking is, okay, well, how long will it make for me to make up that 12%?

• 19:55Brian Preston?

  In 2024, it'd be very fast.

• 19:58Speaker 05

  A couple of months, right? Yeah, a couple of months.

• 20:00Brian Preston?

  Because the stock market made a great return.

• 20:02Speaker 05

  I think that a lot of times when we're making decisions, we think about like break even analysis. A really easy example would be like when to draw social security. If I delay it, how long do I need to live to make sure that I recoup what I, what I forewent in drawing? I think Roth conversions are a little bit different because it's less about the time that it takes to break even and more about the unique strategies and goals that you have. And oftentimes when we talk about Roth conversions and whether or not they make sense, we're less thinking, less so thinking about the timeline that it takes to justify the taxes. We're more thinking about the ultimate taxes that we pay. Meaning if I can convert Roth dollars today at 12% or 22% marginal brackets,

• 20:48Speaker 05

  and I know that in the future, when I'm go to pull money out, perhaps I'm in a higher tax bracket. I'm in 24, 32, 35, or maybe I get hit with R and D's and I lose track of controlling my tax situation. I would much rather convert dollars to Roth that lower brackets today. So I don't have to pull it out at higher brackets later. It's less about a time to break even and it's more about an arbitrage. Which one will be more favorable? And then there are other goals that come into it, like legacy planning and that sort of thing. So I, I don't know that it's strictly a time, like he's asking the question like refinancing.

• 21:24Brian Preston?

  Yeah, I get it. He's trying to turn it into a math and they're, look, you could, it's like, nobody has the crystal ball to know the years the stock market's going to make 20 plus percent. That's why I made the, the joke is that, yeah. Anybody who did this at the beginning of 2024 probably feeling pretty good about it because you got that tax-free growth. Even after you paid the income taxes that you will say assume a lower 12% tax rate. You had a great rate of return, but nobody knows that. So I'm going to take that out because um, I, I, I don't think that's why I do Roth conversions for clients. I really think about this in term of,

• 22:00Brian Preston?

  you could think about like a plot for any, any number of movies that are out there where you're worried about this ticking bomb that's going to go off. And you know, or maybe you can't, you know, drive the bus below the age of, you know, the speed of 55 or whatever it is. A little Keanu Reeves, you know, reference there. But think about any plot where you're like, oh my gosh, there's this horrible thing that's going to happen in the future. But if they will just take these key steps, they can save us all from these things. And I think for a lot of you financial mutants, you're great. At saving and investing for the future, so much so that even in the financial order of operations, I've had to create a step of hyper accumulation. Where I talk about the three bucket strategy because you guys are so good at making the taxes work for you

• 22:46Brian Preston?

  and avoiding them that you get all your money in these, these tax deferred or pre-tax money that down the road, now the government's doing you a huge favor is they have made required minimum distributions depend on your date of birth, but for a lot of you listeners, I've seen the demographics, you're all going to be beyond 75 years of age when you have to pull this money out. So any of you that are retiring at age, say 55 to 75, you're going to notice as soon as you drop your earned income, that's usually your, your, your highest earning thing is your, your wages and your labor and your time. As soon as that drops off in retirement and you have the three bucket strategy, your tax rates are going to dive down to the cellar.

• 23:28Brian Preston?

  And that's a great peak opportunity to do exactly what Bo said. You have this arbitrage of you can max out these low rates. Cause when I asked the question, hey, is a 12% tax rate a low rate? I think universally, everybody goes, yeah, that's, that's pretty good, especially knowing how in debt the federal government is and all these obligations that we have. If you can lock in 12% taxes, let's do it. There's cases where I've got clients, we're doing it for 22%, we're doing it even for 24% because their states either have tax favored things for retirees, there's all kind of planning things. And also, you're worried about IRMA, with your Medicare premiums in the future, you're also worried about, because I mean, it's not uncommon that we have clients all of a

• 24:11Brian Preston?

  sudden get to these required minimum distributions, and they did such a good job of building up these tax-deferred assets, all of a sudden, your income goes from practically nothing to where you got $200,000, $300,000, $400,000 being forced down because you have such huge seven-figure retirement accounts. So that's why, don't sleep on this. It's very common, I think, when people retire in there in those go-go years, and you're celebrating how disciplined and how good you were, and you're like, man, isn't it great that I only paid $1,000 in taxes last year on this multi-millions of dollars of net worth that I have out there? And you're feeling all proud of yourself, but I'm telling you, you might have missed

• 24:51Brian Preston?

  a huge opportunity to go ahead and cut off literally seven figures of taxes from your future. We've run scenarios for clients, for others, where we've seen this, a little bit of pressure, a little bit of preparation, a small incremental decision can have a huge impact for your future, so don't sleep on this. That's great.

• 25:12Speaker 06

  Wonderful. All right, Andrew, thank you so much for your question. If you would like a Money Guy Tumblr, you can email [email protected].

• 25:22Speaker 07

  The Money Guy Show is hosted by Brian Preston. Abound Wealth Management is a registered investment advisory firm regulated by the Securities and Exchange Commission in accordance and compliance with the securities laws and regulations. Abound Wealth Management does not render or offer to render personalized investment or tax advice through the Money Guy Show. The information provided is for informational purposes only and does not constitute financial, tax, investment, or legal advice.

• 25:48Speaker 00

  Welcome to the 50th Hunger Games.

• 25:50Speaker 01

  Witness the beginning of the revolution.

• 25:53Speaker 02

  Hey Mitch, you've been trying to take down these games from the start.

• 25:56Speaker 01

  Filmed for IMAX.

• 25:57Speaker 02

  Make them remember you.

• 25:59Speaker 01

  The Hunger Games: Sunrise on the Reaping, November 20th, rated PG-13.

• 26:04Speaker 03

  LinkedIn is pretty amazing at helping you grow your small business. We cannot stop your new clients from emailing you at 3 a.m.

• 26:13Speaker 03

  We can help you sell, market, and hire in one place. We cannot help you be in three places at once. And while we can't help you organize your calendar, LinkedIn can help you land more clients so you have a calendar to organize. Grow your small business on LinkedIn. Learn more at LinkedIn.com/smallbusiness.