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good afternoon everybody thanks for joining us in todays video we have Andrew Carnes from Chip reverse mortgage today were going to be answering a lot of the questions that youve given to me over the um last year youve been asking me hey David does a reverse mortgage make sense for us instead of selling the house could you do a video about that so today weve got an expert Im going to help us understand reverse mortgages now full disclosure I have not been compensated for this from reverse mortgage or any reverse mortgage company I approached Andrew because we had a really great session for advisors to learn about reverse mortgage and I said Andrew this is the kind of material that my YouTube followers have been asking about so would you be generous enough to come on so welcome Andrew and thanks for joining me today yeah thank you very much David uh you know Ive had the chance to go through your channel Ive Ive just so impressed by the uh the nature of you know the the full tra