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[Music] tiffanys in georgia we recently completed baby step three which means theyre out of debt and have their emergency fund in place except their home well be meeting with a financial advisor soon to start on our baby step four we know nothing about investing and feel very clueless how can we prepare ourselves to be a bit more knowledgeable before our meeting um i would tell you two things on that one is prepare yourself by being very comfortable with the idea that this is your money its your money its your money there is no reason for you to ever be embarrassed ashamed or afraid to demand that you understand whats going on with your money see whats weird is as we go into these you know were going to this guy or this gals office and theyve got on a nice tie or a nice dress or whatever and theyre they have financial advisors sitting plaque sitting on their desk and we dont know nothing and so we feel all intimidated almost ashamed that we dont know anything but heres t