Sign Pennsylvania Assignment of Partnership Interest Safe

Document type sign assignment of partnership interest pennsylvania safe

[Music] get rich education is brought to you by ridge lending group and corporate direct [Music] welcome to get rich education with keith weinhold giving you information and ideas on the investment that has turned more ordinary people into millionaires and billionaires than anything else and can provide you with more wealth and happiness than you ever thought possible now here's your host investor entrepreneur business owner and educator keith weinhold welcome to get rich education episode 161 hi i'm keith weinhold and before we talk with richthat advisor garrett sutton about protecting your assets today i've got a strange kind of question for you what makes you weird yeah think about that i want to know what it is that you think makes you weird compared to others and i potentially want you to embrace that thing that's weird about you that distinctive behavior that sets you apart that makes you abnormal you really might just want to embrace that because you see being wealthy is abnormal itself i want you to dig out what is inside of you that is both weird and good maybe i can help you do that if i just open up and give you some examples of what i think makes me weird okay if i think about the things that have had the most positive influence on my life and the lives of others they stand out as the actions that are bold and really that are weird for example more than 15 years ago i moved away from my home state of pennsylvania where i lived my entire life and that's a place that i guess a lot of people would consider a kind of normal place to live and i moved to anchorage alaska because i had vacationed in anchorage four times previously and i felt like anchorage best fit my interests well that was extremely weird to friends and others in pennsylvania when they heard that i was moving to anchorage alaska they acted like they thought i was attempting to colonize the planet mars or something well that weirdness and that created happiness because i went for what i wanted then after moving to anchorage i had been a rent paying tenant all my life and when it was time for me to buy my first home you know this story instead of buying a single-family home or a condo i made my first home a four-plex building where i lived in one unit and rented out the other three so one day august 8 2002 i was a rent paying tenant and the very next day i own an entire four unit building and i was the one collecting the rent on august 9 2002 again pretty weird pretty abnormal and one of the best things that i ever did is that was the genesis of real estate investing interest which led me to financial freedom again pretty weird then in october of 2014 i did a third thing that was pretty weird okay i had been an employee in the engineering field for quite a while and as a job worker i found that employees that worked around the building there my workplace they were increasingly visiting my office to learn about investing in real estate even employees that worked on different floors that i had never met previously these people wanted to come down to my office and know how does this everyday employee get three thousand dollars then four thousand dollars then five thousand dollars and more in monthly income without working for it and doing these friendly one-on-ones with people soon wasn't scalable so at that time i went home and i spent 30 minutes talking about this stuff i talked into a 60 dollar usb microphone plugged into the side of an everyday hewlett packard laptop that rested on my wife and i's anchorage alaska dining room table yeah that's exactly how this show right here began that was episode number one of get rich education which you can still listen to today from october 10th 2014 in fact so again a pretty weird activity there way out of the norm well often what makes you weird is what makes you interesting and that's what makes you successful your friends might think it's weird that you live in california and buy turnkey real estate in memphis your co-workers might think it's weird that you live in new york and you have cash flowing income property in alabama owning parcels of coffee trees in panama what totally out of the norm yet others invest in stocks and those people don't even know what state the company headquarters is in or when or where the corporate shareholder meetings even take place and what else do those people have mutual funds invested with t row price oh jeez a 401k invested in the vanguard s p 500 index oh my gosh well that's normal and normal is unspectacular it's limiting and as we often say it probably yields a rate of return of less than zero accounting for the inflation and the emotion and the taxes in the fees and the volatility so i want to have nothing to do with normal what does normal mean i mean normal that might mean overweight under nourished under slept not having enough money at the end of the month that's normal well why should anyone want that so remember to celebrate what makes you weird and think about what other aspirational action you can take that yeah proves that you're kinda weird last week my wife and i returned from the new orleans investment conference in new orleans louisiana top-notch speakers and world-class content delivered there speakers like doug casey peter schiff robert kiyosaki and tucker carlson all presented and so did the real estate guys robert helms and russell gray maybe i'll give you some more takeaways from the conference later but we just have so much to get to today but be sure to check out the real estate guys podcast if you haven't again it's just called the real estate guys i spent a good bit of time hanging out with them and also with the international coffee farms people as they each had booths there thank you for coming to new orleans to meet me in person like so many of you did i've got to say i was a little overwhelmed and even disbelieving as a few of you you even told me that you came there principally to meet me and that the conference was even secondary for you i just never would have thought such a thing just amazing maybe next time i go to an event like that i should set up a meet and greet session or have my own booth or something but i got into a lot of conversations with many of you i think about some good chats i had with christy and with mahine and so many others where you've told me that this show has changed your life i am just genuinely overwhelmed with the listener support out there you know back about two months ago on the belize cacao tour every attendee on that tour except for one was a gre listener so i just continued to be amazed and impressed with what you're doing so keep doing me proud by embracing weird activities like me one cool thing to announce is that a couple weeks ago i was named as the newest writer for forbes magazine and i'm also the newest member of the forbes real estate council so i should have a chance to reach even more of you that way i'm also pleased to tell you that my amazon best-selling book it's called seven money myths that are killing your wealth potential it was released back in june and that's now available to you for free in the e-book version yes i've set things up so that you can now get the e-version of seven money myths completely free all you have to do is go to getricheducation.com book and you can get the free electronic version and it is designed to be a lean quick easy read at just 80 pages there are all these money myths out there like for example getting your money to work for you will make you wealthy that's a myth and six other myths get debunked for you and i also tell you how to make this information actionable but the book really starts out in the beginning with growing your expansionary mindset again that ebook in its entirety is now free at getricheducation.com book and if you like it enough that you want the paperback you can still get that hard copy version on amazon i think the price is really low there so you know there is a little cost for printing and such for that paperback version next week on the show we're going to talk here with a fellow real estate investor and just keep in mind that i don't necessarily agree with every strategy and tactic that every guest practices here for example i favor keeping higher leverage high mortgage loan balances and the asset protection safety of low equity positions rather than racing to pay down a loan and grinding to do that myself so instead of using a loan pay down dollar myself i'd rather let tenants and inflation destroy my debt for me and use my dollar instead to invest in more leveraged cash flowing real estate or just to increase my lifestyle inflation transfers wealth from lenders to borrowers and inflation has been taking place for generations in the us and inflation redistributes wealth from lenders to borrowers so i want to be a borrower of long-term fixed interest rate debt because as smart strategic debt see both tenants and inflation erode away that debt for us well it's been just about annually that we've caught up with garrett sutton to make sure we're up to date with our asset protections and our legal structures we're going to be talking about limited liability companies today and about some law change garrett and i are two of the very few people that each write for the rich that advisors and we've each climbed the highest point in the state of nevada that is a fact and maybe again a little weird right so remember to embrace the weird if you're highly successful in anything anything you're pretty likely to be a few standard deviations away from the norm mark twain is famously credited with the quote whenever you find yourself on the side of the majority it is time to pause and reflect that is mark twain so what makes you weird whatever it is you may very well want to embrace it i'm going to grab a cold brewed panama coffee from international coffee farms and then we're coming right back with wrist advisor garrett sutton garrett sutton here robert kiyosaki's asset protection attorney and the author of loopholes of real estate as an american or foreign-based investor in u.s real estate you know we are litigious society you know that you need to protect your real estate and paper asset holdings with the right mix of llcs and corporations my firm corporate direct not only forms these entities but importantly we properly maintain them too if you fail to follow the corporate formalities you can lose it all in an instant corporate direct is your source for llc protection and maintenance in all 50 states visit corporatedirect.com or call 800 600 1760. mention get rich education for a free bonus switch your resident agent service to us and receive another bonus it's all good we look forward to assisting you at corporate direct.com cash flow real estate investors if you're looking for a mortgage loan with a company that specializes in investment property loans it's ridge lending group they provide income property loans in almost every u.s state ridge has worked with tens of thousands of investors and homeowners all over the country in fact with ethics and transparency they've helped more people realize their dreams through real estate investing than any other mortgage lender in the country get started at ridgelandinggroup.com [Music] hey everybody this is matt bowles from maverick investor group you're listening to get rich education with keith weinhold and don't quit your daydream [Music] today's guest is the rich dad legal advisor and he's also been the author of just so many incredibly well received books both inside and outside of the wristhead series you know one of my personal favorites is his book loopholes of real estate that's available on amazon and that's actually one of the books on my small list of recommended reads which you can find at getricheducation.com read r-e-a-d i want to give a big get rich education welcome back to this guest's third show appearance here over the years it's risk that advisor garrett sutton thanks keith thanks for having me on today and it's a pleasure to be with you and your listeners to talk about some new rules that people need to be aware of yeah this stuff changes and you're the person that keeps us updated on this so here before we update the listeners on how to best keep themselves protected tell us some more about just what you do today well i uh continue to work with robert kiyosaki and the rich dad advisor team uh two months ago we were in paraguay in argentina teaching financial education to the good people in south america and there's a hunger for it in south america in australia wherever we go people want to learn these fundamental principles so it's really rewarding to be able to travel the world with robert kiyosaki and provide this kind of information to people as well i am based here in reno nevada and we set up corporations and llcs for people in the united states and and those people from outside the us that want to invest in the united states so i get to talk to people from all over the world keith and that for me is really enjoyable as well just seeing what people are doing and how they're taking steps to improve their financial future you have such a big platform regardless of what country you're in real estate investors we commonly make mistakes when we're looking to protect our assets you know maybe for some people they're more involved with the chase and the thrill of the deal i can totally understand that but you need to protect your downside at the same time so what are some of those common real estate investor mistakes when it comes to protecting your assets well a common mistake keith is that at the start you figure you don't have a lot of assets and maybe you'll form that llc a little later and then you know you get in the ball to the crush of commerce and you forget to do so and then if you get sued this property is in your individual name and you're not only exposed to the risk against the property but if they get a judgment all of your personal assets are exposed and so by taking these steps early on when you buy that first property you need to have title in the name of an llc to be protected rather than waiting and perhaps forgetting to do so the second mistake we see keith is that people will form the llc that's great but then they forget to transfer title into the name of the llc so right start maybe you take title in the name of keith and you forget to put it into the name of keith's llc that is a common mistake so it's a two-step process you've got to form that llc right at the start but then you also have to transfer title from your name into the llc and that's not a sale you haven't sold anything you're just transferring how the title is held so it's not a taxable event it's not a problem with the banks so you know you should really take that second step as well to be fully protected that's important you can't just set up the llc you need to appropriately transfer title in order to be protected now here we get rich education we talk about buy and hold real estate investing and sometimes we have people out there that want to be more active in their flippers but oftentimes over the long term garrett you know a flipper learns that they want to put more things in their buy and hold portfolio that's where we get a better return on time invested what if we have an investor that's out there doing both active flipping and passive buying holds or there's some things to keep in mind with asset protection with that in mind absolutely great question the first thing is you don't want to have a buy and hold property in the same entity that you're doing flips with all right you can get sued on a flip you know a contractor could sue you someone else could be suing and so that is a riskier activity in my mind than buy and hold real estate so we want to segregate assets and activities you would have one llc for the holds and maybe one or more because we don't want to put 10 properties in one llc and expose the equity of all 10 properties against one claim secondly when you're doing the flips you'll work with your cpa but typically you're going to have an llc taxed as an s corporation with the s corp taxation we can minimize any payroll taxes that may be due because it's a trade or business if you're flipping propertie so those are some of the key things to know we're not going to put hold properties in with flip properties and we want to have the right taxation for our flips because it is a trader business if it's taxed as an llc the regulations say all money flowing through a business operating llc are subject to payroll taxes well payroll taxes go for social security we know that we're not going to see all that money that we're putting into the social security system there's just no way they can pay right so you want to minimize your payroll taxes you got to follow the law but we want to legally minimize payroll taxes we don't want to pay more into the system than we have to and the s corporation taxation allows you to do that so those would be two key points for your flippers yes pay more into social security then you absolutely have to definitely not a good roi for you so garrett just sticking here with the buy and hold side now that we've talked flips for a little bit i'll say i'm a real estate investor that goes ahead and purchases more cash flowing property to put into my portfolio over time and let's say i've worked myself up to two three four five rental properties now you know i might start thinking what should i do what's more efficient and what's the best trade-off for protection and even anonymity potentially as well if i've got say five rental properties do i put those all into one llc or does each property need its own separate llc you know it's really a judgment call keys it's what you're comfortable with in terms of risk it's important to know if you have five properties in one llc and a tenant sues over a claim at one property they have a claim against the llc that they rent from if that llc owns five properties that claim allows them to get at the equity in all five rental properties within the llc so we don't want to create a target rich llc whereby a tenant on the inside attack can go after the equity in a lot of properties you know it's a judgment call how many properties you put in one llc the safest of course is to have one property per llc and if you've got four other properties in llc's outside of that one the tenant can't reach the other properties on the outside now for example keith i have some clients that may have a couple of mobile homes and the equity in the mobile home is only ten thousand dollars could you put two or three of the mobile homes in one llc sure again that's where it becomes a judgment call what are you comfortable with but when i teach my course around the country keith the example we use is would you have a million dollar free and clear home in the same llc as a duplex that you rent to the hell's angels right so you wouldn't put those two in the same entity all right so you just have to mix and match and see what you're comfortable with that's right so say for example as uh one has built up a five property rental portfolio i'll say that they have some of that portfolio in alaska some of it in georgia and some of it in a third state alabama does it matter what state you form the llc in if someone's just listening to this for the first time they might have that question tell us about that all right well when you have a property in alaska to be on title you're going to use an alaska llc and the same is true in georgia and alabama now you could have one alaska llc that would own the alaska property the georgia property and the alabama property the issue is you're going to have to pay the filing fees in all three states because you're doing business in three states alaska georgia alabama so you've got one llc but you've got to pay the filing fees for three states well once you set up the three separate llc's one for alaska one for the georgia property one for the alabama property you're paying the same amount in fees but you have better protection so for me it's kind of a no-brainer if you cross state lines you're much better off just setting up an llc in that state so in your example i would have a alaska llc a georgia llc an alabama llc you're going to pay the same amount for three separate llc's as you would for one operating in three states then you have those three llc's owned by one wyoming llc we like wyoming it provides great asset protection there's an outside attack someone gets in a car wreck it has nothing to do with the real estate they want to get at the georgia alabama and alaska properties but they have to fight through wyoming because that's what you owe is the wyoming llc which in turn owns the other three llc's wyoming the exclusive remedy is the charging order which is a lien on distributions it's very difficult for someone to get through that at the properties they really can't wyoming also provides privacy your name does not appear on the state website for ownership of entities like so many other states and once it's set up the wyoming entity is only fifty dollars a year so you have to look at this as another form of insurance but for 50 a year and 125 for us to be the resident agent in wyoming you've got pretty good protection this is not expensive or complicated to set up and it's just really good protection so importantly we're talking about the states that you the listener own your property in for example you might live in new jersey but if you have income property in alaska georgia and alabama we're talking about those states where you physically own the property itself not where you reside and then we're talking about wyoming as a holding company llc presiding over top of alaska georgia and alabama and now the attack has to come through that strong asset protection state of wyoming before they can even get into those assets or that equity in your alaska georgia and alabama properties well put that's exactly right now importantly garrett it takes a little bit of time to go ahead and set this up in the front and then you know i think we can kind of be like a well-oiled machine and at corporate director keep us informed of any changes that might happen over the years and part of that is going ahead and kind of reducing our drag in our own administrative time that's put into this so importantly and i think something a lot of people don't understand is when you set up a structure this way where you have your wyoming llc presiding over your alaska georgia and alabama llc's you don't have to do a federal tax return for the alaska the georgia and the alabama llc as long as you get it structured this way up front with the wyoming llc presiding as a holding company you just have one federal tax return for that one wyoming llc that's absolutely correct the georgia alabama and alaska llc's are considered single member llc's the one member the one owner is wyoming so the tax obligation federally flows through to the wyoming llc and you're absolutely right keith you just have to file that one federal return for wyoming everything shows up on the wyoming return thus saving you from having to do four returns you're really only doing one so some people listen to this and think uh i don't know if i want to do all this it sounds so complicated well it doesn't really complicate your taxes that much when you do have that one wyoming llc presiding you sort of pay your dues up front and get this established once and there are some things to maintain but it just gets so much easier after it's already set up well it that's true and also that your audit risk goes down significantly if you're operating through llc's versus having property in your individual name your audit risk goes down by a factor of five the irs appreciates if you're you know for using these entities in fact they understand that a sophisticated investor is going to want to protect their assets it makes sense that you would use llc's it shows that you're serious about your business and audit risk goes way down once you start using these llc's in general we avoid investing in coastal states again this is just a generality because we just don't have those great ratios of rent income to purchase price and we have laws that often favor tenants more so than favored landlords so garrett i know that there have been some changes that i heard about from you earlier in california another wrinkle and another layer of regulation making things more difficult for california real estate investors tell us about that yeah there's a new case that came out of the california supreme court this summer the case is called 926 north ardmore avenue llc versus the county of los angeles and basically when you sell a property or when you buy a property there's a transfer tax it's called the documentary transfer tax and they've been collecting it in california at least for 150 years and it basically allows the county and the city to collect the tax upon the transfer of real estate so for example in los angeles if you have a one million dollar property the transfer tax is fifty six hundred dollars in san francisco if you have a five million dollar property the transfer tax is a hundred and twelve thousand five hundred dollars so that's pretty significant yeah and you know the city says well the buyer and seller share this so it's only you know sixty two thousand dollars well big deal that's a big hit so people in california in this case didn't transfer the property via a deed the title to the property was held in north ardmore llc they transferred the membership ownership of the llc from the older generation to the younger generation so if you went to the county there was no deed transfer the property stayed in the name of the llc it was just underneath it the membership interest the ownership interests were transferred well the county found out about this and said oh no when you transfer ownership interest in the llc even though there was no deed transferring it to the kids when you transfer the ownership interest that too triggers this transfer tax and it shook the state i mean realtors are just going crazy because there's so many unanswered questions here but basically now if you have an llc where you're transferring you're doing estate planning and you're transferring the interest to the kids the state is going to assert a transfer tax and this is for me just another reason why you have to think long and hard about investing in california real estate sure there's money to be made there but you see a pattern of these types of rules coming out and it's really for the benefit of the state workers and pensions california has a one trillion dollar unfunded pension liability and because of that they're engaging in these very unique and creative and frankly disturbing means of collecting more tax revenue this is what you have to be aware of if you're investing in the state of california oh yeah california you got to love it they always add some extra little wrinkle or layer or regulation or fee in there and uh you know some of my best memories in life have been on vacations to yosemite or death valley or the beaches it really is a beautiful state but it's just not so great for real estate investors california embodies the phrase live where you want to live and invest where the numbers make sense by robert helms more so than any other state potentially so well garrett we've talked about llc's limited liability companies why don't you talk to us about the distinctions the differences in the trade-offs of going ahead and using an llc versus the llp a limited partnership that's a question i get a lot of times well the llc and the lp if you're in the right states both offer great asset protection the charging order is a feature of both llc and lp law the issue is with the lp you are required to have a general partner at least one and a limited partner at least one so you need two partners in it the general partner is personally responsible for what happens within the lp like in a general partnership the general partner has liability now the way to skin the cat there is to have the general partner be a corporation or a different llc so to really be protected in an lp structure you need to form two entities the lp itself you'll file with the state and then you need to have the general partner be a corporation or an llc which requires forming that second entity the llc everyone's protected you only need to form one entity so that's the main difference between the two an argument in favor of the limited partnership is that the general partner with as little for example is two percent ownership can control the entire affairs of the lp in which case for example mom and dad are the general partners they own two percent they've gifted 98 of the limited partnership interest to the kids and with that two percent ownership as a general partner they can control everything the kids can't come to them and say hey mom and dad we're getting the band together we're going on the road sell the duplex uh you know mom and dad can say no we own two percent as general partners we are not selling the assets of this limited partnership so that's one little wrinkle advantage of it in california there's an extra tax on llcs they have a gross receipts tax on llcs so if you have a 10 million dollar producing asset in california you might use a limited partnership rather than an llc because the state taxes are going to be lower but that would be the two reasons why you would use an lp keith nowadays the vast majority of people use llc's because you can get by with just that one entity right and i know in general you recommend llcs for buy and hold real estate investors that's true that's the best way to go now what about the limits of the llc what if say i'm holding properties in my llc and i die i fall from a cliff in an alaskan mountaineering accident will that llc automatically be transferred over to my spouse or not necessarily or how does that work well it depends if you have a living trust or what your estate planning activities have been typically we'll have for example in our structure with alaska georgia alabama owned by one wyoming the wyoming llc would in turn be owned by your living trust your living trust is an estate planning document whereby you don't have to go to court you don't have to go through the probate process the living trust would say who gets to own the wyoming llc so they kind of work together the llc's offer the asset protection the living trust offers the probate avoidance and so if you don't have a living trust if you're in a community property state typically the spouse would come to own the interests but you know i think it's best as you grow and as you start having kids to have that living trust set up you know they're only 2 000 2500 is set up and it really keeps you out of court which not only do the attorneys make out really well in these probate cases but everything's a matter of public record so everybody can find out what you own and it's easier to stay out of the court system with a living trust so the living trust provides directions on what would happen to the assets in my wyoming llc after i die is that correct that's right well for years you provided us real estate investors just a really valuable service with protection and maintenance of our corporate structures and really not an expense that's significant either but there are some new rules out there that you stay on top of so we need to tweak things from time to time tell us about the irs's new rule and how we need to comply well keith this is really big we don't want to change llcs if we don't have to but these new irs rules require the amendment of llc operating agreements and lp limited partnership agreements the big change is this keith i know you and your listeners are aware of some of these master limited partnerships that have 10 000 partners and seven tiers of rights they're very complicated structures and the irs just had a really difficult time auditing these because you've got to deal with 10 000 partners people could come in and sue the irs didn't know exactly who to deal with in in all cases it was very difficult for the irs to audit some of these large partnerships and so what they did is said you know we're not going to audit the individual partners anymore we're going to audit the entity itself and now the new rules say that the irs can go directly to the entity conduct an audit and the partnership repr sentative appointed by the entity is the only one that can interact with the irs they're not going to interact with 10 000 partners anymore so if you're in the irs issues this makes a lot of sense i mean if ran the agency i'd do the same thing too but for partnerships for llcs and lps you now need to amend your operating agreement to opt into these new rules and appoint a partnership representative this is the key here the irs will only deal with the person you've appointed and that person can be a manager of the llc the general partner the lp but they have to have a substantial presence in the united states so if you're an investor into the united states from overseas you've got to have a u.s person listed as the partnership representative so the key thing is we've got to amend all these agreements to appoint a partnership representative the the important thing to know is if you don't appoint a partnership representative in your documents the irs will appoint one for you and this is not a good situation to be in you don't want the irs coming in and appointing someone you don't know or a partner who only has a small percentage of the investment to be the partnership representative so we're going to all our clients and saying look for a very small affordable fee we can amend the operating agreement to appoint the partnership representative and deal with some of the technical issues involved but if you don't do it again the irs can appoint a person for you that is not a good position to be in and there is a deadline in which this needs to be done you need to have this done by december 31st of this year the new rules start january 1 of 2018. so that is at the end of next month well garrett you've been such an asset to real estate investors for so long both with the education that you provide with your books and all the asset protection along the way so we can be out there and confidently build our portfolios while we protected ourselves and our family where can a real estate investor or other person begin with engaging corporate direct well you can go to corporatedirect.com and we do have an article on these new irs rules so you can get all the information you need there about this new requirement if you want a free 15-minute consult with one of our incorporating specialists you can call 800-600-1760 we'll be happy to talk to you about our services and what you may or may not need to do we try and make the information accessible affordable and we try and keep our clients up to date on these new rules and you know again we don't like to have to amend every operating agreement if we don't have to but this one from the irs this does require amendments to be made by the end of the year personally when it comes to taxes and asset protection i do not go it alone i really lean on professionals so i can be out there doing what i do best corporatedirect.com is where you want to start garrett sutton thanks so much for coming back on to get rich education thank you keith it's been a pleasure [Music] well yeah some simple concise and valuable information from garrett sutton these structures aren't just about protection but keep in mind that they often intersect with anonymity and with taxation as well there are some trade-offs there setting this up with corporatedirect.com it can take some of your mental bandwidth in the beginning it probably will even though they're helping you along but the cost is lower than you might think and when you get started over there you're with the rich that advisor team and if you mention get rich education in my name you get one hundred dollars off a corporate formation special thanks to reset advisor garrett sutton thanks to you the listener that came out to new orleans to chat with me in person remember to embrace what makes you weird and part of that is the fact that you don't quit your daydream you've been listening to get rich education telling you what the wealthy won't tell you about real estate and investing nothing on this show should be considered specific personal or professional advice please consult an appropriate tax legal real estate financial or business professional for individualized advice opinions of guests of their own information is not guaranteed all investment strategies have the potential for profit or loss the host is operating on behalf of get rich education llc exclusively [Music] the preceding program was brought to you by your home for wealth building [Music] getricheducation.com