Even financial advisors are human and have emotional blind spots they can't see in themselves, so it makes sense for financial advisors to have their own personal financial advisor.

25:03better. >> I was your advisor. >> I do the opposite of what you tell me, Duncan. I think you do the opposite of what I tell you, too. So, I think neither of us are >> No, no. I I definitely take a lot of what you say to heart. >> anti advisors. But, yeah, it's a great question and and I I think it's it helped, right? Like Josh and his wife

25:19have sat down and did a full financial plan with our advisors. This is something that absolutely makes a lot of sense to do to kind of pull yourself out of the equation and because the the biggest blind spot is like the blind spot you don't see, obviously. Everyone has their own type of emotional blind spot somewhere. >> Right. >> And you never see it in yourself, obviously.

25:40>> Yep. >> Someone else can see it immediately. >> The best hitters still have hitting coaches, right? >> Yep. >> Yeah. >> Yeah. >> Yeah, good question though. >> Good question. >> All right. We got one. Someone that Chris in the chat said Cliff is his therapist. >> [laughter] >> Nice. >> Nice. >> Yeah, and I think AI is a lot of people's therapist right now, for better

25:59or for worse. Uh okay, last but not least, we got one from June. My husband and I are looking to set up investment accounts for our 16- and 19-year-old children and we would greatly appreciate your guidance. We've been following your work for years and have always valued your thoughtful, practical approach to long-term investing. As we begin planning for their long-term financial future, we'd love to better understand the most

26:21appropriate appropriate investment options and how to structure everything from the start. >> It's interesting, we get a a lot of questions from people who have developed good financial habits that they want to instill those habits in their children, right? And there a ton of questions. Sometimes it is I want to start, you know, the right accounts from a young age, whether it's a 529 or HSA. This is older. This

26:44June actually emailed me and I said, "Well, how old are your kids?" And then she said, "Oh, they're they're 16 and 19." So, this is a little older. So, not sure about their like whole financial situation and estate planning stuff, but it sounds to me like they want to get them off on the right foot in terms of the accounts. So, like how do you think about the next step? Cuz I I think about

27:03it in terms of my kids, too. Like how do you Do you just start it for them to get the ball rolling and hopefully they pick up on it and jump on the snowball? Uh like how do you think about this getting the kids involved in the equation? >> Yeah. >> [sighs] >> There's so many layers to this question and so many it depends, but I think