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[Music] welcome to episode number three of the bogle heads life stages podcast vogel has our investors who follow john bogles investing philosophy for attaining financial independence todays episode features michelle dash and stephen chen from new retirement this recording was made on april 7 2021 this recording is for educational purposes only and should not be construed as investment advice [Music] um so tonight were going to go through a demo of new retirement and lets see i have uh stephen chen with me the founder of new retirement giveaway and just giving us a little introduction of um how new retirement started and a little bit about the tool and where were going and then hell turn things over to me and i will i have a couple screens up on my uh my end and i will walk you through a live version of the demo okay awesome hey everyone appreciate uh your time and attention ill try to keep this really short because i know were here to kind of talk about the product and we wel