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welcome back everyone Michael here with offshore citizen we had a visitor a good friend of mine come and visit over the last uh I guess very end of December start of January and he and I were discussing a little bit about the changes in seasons in our lives and we were talking a little bit about this concept of three circles you might call them three Circles of happiness you might call them three Circles of meaning you might call them three Circles of impact hard to say but today Im going to talk to you about this subject and this subject is really about as you grow how you should spend your money or how you should think and for some context I really strongly believe this idea that to those who are given much much is expected it is something that I think weve moved away from thinking about morality and I think thats a disadvantage I think we should think a lot more about morality and our duty as opposed to just our convenience it was once said to me that you know we want to live con