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[Music] hey dustin tibbetts here financial advisor with jazz wealth managers how you doing today hope youre having a great day out there you know i get the question a lot dustin i want to invest im 40 50 years old im a little late to the game i want to invest but ive got some debts should i pay off the debts or should i invest and i always think well thats sort of a general question everybodys going to say pay off the debts but everybody individually has a different scenario so what i want to do today is im talking to those of you that are in your 40s in your 50s or later and youre late to start investing meaning youve only saved a little bit maybe no you dont have enough and i want to kind of show you how we would go through planning and things for you but at the same time try to teach you something so youve got some questions to ask whether youre working with a financial advisor or if youre modeling your own scenarios out there just i kind of want you guys to start think