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[Music] welcome to the personal pension radio podcast where its all about helping you complete your financial journey to retirement discover time-tested strategies and get unconventional insights into wealth building and retirement that actually work break away from the herd and go for the retirement you dream of and now heres your host the income engineer Craig straw personal pension radio so excited every time I get a chance to do this thank you so much for downloads listening wherever you are in the world if youre sitting in a bathtub if youre riding a peloton bike if youre out walking in the park thank you so much for joining me I really appreciate it I appreciate all the feedback and the emails and questions and so forth I am the income engineer thats right Im broadcasting from the personal pension radio workshop here in Southern California that is right I am in my woodshop that doubles as my podcast studio sounds so fancy a funny story that I remembered as I was thinking