The $1,000 Challenge That's Teaching Kids Financial Literacy with Dave Alexandre

Amos [00:00:00] Yeah. Yeah.

Speakers 1 Good looking.

Amos Alright, we ready? Hey, because if you look at the thing, do you see it moving? No. The um, the speaker right there. So I'm gonna say something. You see it? Hey, go ahead. What's up? What's up? What's up? Can you hear me? All right. Cool. All right, let's get started. Another episode. Really excited to have a, uh, a long time friend and someone you're gonna be seeing a lot of Mr.

Amos Dave Alexander. Obviously the old for, or one of the best books I've read for your kids. Honestly, for parents when it comes to money, you know? Yeah. So shameless plug, let's put it in again. Tell us a bit more about the book again, man. The,

Dave the Tales Rewards. You're gonna be hearing about it a lot. Um, my first big written for, for kids, um, about, uh, kids Guide the Money Management.

Dave Yeah. Um, it's written in a really intriguing way where it captivates kids' attention. Yep. Um, the superheroes help them to challenge themselves to complete activities. Yep. Uh, you know, I was mentioning to you [00:01:00] one of the biggest activities when it comes to learning about money and saving. Yeah. Right. And the, the spin on the actual, uh, piggy bank Yeah.

Dave With the savings box challenge.

Amos Yeah. Yeah, I saw that. I saw it. So that, that's interesting. Talk to us about, obviously, without going too much into detail on the specific people, but just the concept of that.

Dave Yeah. So, uh, a parent like myself mm-hmm. Um, her daughter just had no concept of money. Okay. Right.

Dave And she just literally thought it grew on trees and she's always asking her mom for money. Mm-hmm. And the mom's like, listen, you are gonna have to save some of the things that you want to buy. Isn't that the truth? All right. So, uh, she started with one box and told her to save a thousand dollars. Mm-hmm.

Dave Her daughter started the challenge and 16 of her friends joined her. In the challenge and how the mom found herself giving boxes to her friends and then parents reaching out and word of mouth is now across a couple of school districts and whatnot. So

Amos it's like a mother day piggy bank, basically. Yeah.

Amos Yeah, yeah. So, so where is the kid getting the money to save a thousand dollars [00:02:00] from? I'm curious

Dave about that. You think about your kids, right? Grandma gives them money. Your brothers right? Your uncles. For, you know, $5, no one has $5 anymore. Yeah. The $20 bill is the new single. That's true. Right. So they, you know, it's like, here you go.

Dave And, and it's teaching the kid responsibility what to do with it. Right. Okay. Or can you meet this challenge, Uhhuh, can you complete this task? Which is what they do in school. So I think it's a real. Interesting way to get kids involved in learning how to save money, but then what's next after that goal's achieved?

Dave What do they do with that money?

Amos You see, that's the next part there. Um, you know, it's, it's one thing now you get people to save. Right. It's another thing to understand opportunity costs. That's where the best way I look at it. Right. Okay. Yeah. You saved because you wanted to buy this. New toy, whatever, whatever it is, right?

Amos Mm-hmm. But then it's time to make the purchase and it's like, you could still do it, but what else could you spend the money on to take your money further? And I love that story you told me about, [00:03:00] uh, Carson when your son, right? Yeah. Uh, where, uh, you know, you got the money. About to buy the, the, the pair of sneakers and right.

Amos When it's time to pull a trigger, ah, I'm gonna hold off and maybe do something else with that money. Yeah. Flip it instead. Yeah. Yeah. So, and I think that's amazing, the sense of awareness to understand that I could spend today and the most value I'll get is, you know, how it looks, right. Brand new, right.

Amos That's it. Uh, unless I try to go for resale or I can take that money and do something else and flip it multiple ways through Sunday, but

Dave that's. That comes from the parents, right? Mm-hmm. So if again, if your parent isn't a savvy investor mm-hmm. And they're just a spender, then how are you gonna learn to invest?

Dave Very true. So that's why things like the book, they're able to have conversations with kids and parents that would never come up and their everyday conversation, you know what I mean? You know? Funny, it's,

Amos um, you know, you would think it's just, we're talking about kids, but the reality is this applies to adults, man.

Amos Without a doubt. [00:04:00] You know, I think, um, the amount of education available when it comes to money is immense compared to, for this generation compared to the generations way back. So I went out, uh, with my mom the other day. I was looking at some properties. Yeah. She said she wanted to buy some stuff. Great.

Amos Um. So the first property we saw was, uh, you know, it was like a triplex. Okay. And, uh. It needed work. It needed work. Lot of rehab. Yeah, yeah, yeah, yeah. Yeah. It needed work. Uh, I didn't get to finish the whole, uh, uh, viewing. No. My, my oldest was a little sick, so I had to take him to the car, but mom finished the viewing to the videos and so when she was done, we saw a few other her properties, but she said, Hey.

Amos That one property that, let's just cancel that out, right? And I said, why? Right? He says, man, the amount of work you have to do, blah, blah, blah. But I said, okay, I understand, but here's the cost you'll probably buy at just a bit below. It's been in the market for a [00:05:00] while. Um, it has the highest resale value of all the properties we saw, okay?

Amos Even with the amount of rehab that would be required. It is not like tear down our own house and build. Right. Still a lot of headaches. It's still a lot of headaches, but in her mind is, there's a lot of headaches, Stanford, it's not worth the money. And I'm saying, well, it depends how much you'll get per square foot, right.

Amos When you'll sell. All said and done, we calculated it'll be like $300 per square foot. Okay. And the cost of it is like 80. That's what I thought. Right. A lot of opportunity. A lot of opportunity. Not everybody's able to see that opportunity. And then I had to break it down to her and say, the only opportunity in this situation, and this isn't me giving advice on real estate, it's just how you have to see things, right, is you could.

Amos Purchase the property, rehab it, and sell it. Right? That's one option. That's one option. You can purchase the property. Rehab it, keep it, keep it, and rent it out, right? Or [00:06:00] maximize it by purchasing the property, rehabbing it, pulling the equity out. Having the rental income is a free, is a triplex or free different sets of rental income, right.

Amos To pay for the, uh, refi that you are about to take. Right. And when I've crunched the numbers with our shoulder, you'll be able to. What's your cash flow? Your cash flow is solid cash flow. And you would've taken a lump sum plus, you know, all the tax benefits all taken money against. Yeah. So when, when I broke it down to her life, she's like, oh my gosh, I didn't think about that.

Amos But she didn't even

Dave see opportunities. No, most people don't though. Right. Most people don't because it's just set in stone A, B, mm-hmm. Or C. Right. And they only in school, you're probably only taught a, if you're taught any. Right. The reality is that, yeah, so it's just like, you know, thinking about it, most people, the biggest investment that they make is their home, and then they probably don't buy another piece of real estate, right?

Dave Because their American dream is the [00:07:00] fence, the home, the dog, and the kids. That's it. Right? But I think that's kind, yeah, that's outdated. It's been redefined, right? So there are other things that you need to add to that dream and. And it just depends on where you're at in life. Mm-hmm. And how you look at it.

Dave Right. So, very true. You have some people that are super, super, super wealthy that say, I don't wanna own anything. 'cause you know, I don't want any liability. And that's fair. That's fair, that's fair. So it it to them, you know, renting is a write off and it is what it is because they're uber rich. Correct.

Dave Correct. I just think it's your perspective, um, the information that's accessible to you mm-hmm. And the people you have around you to help you make those informed decisions. Correct. So,

Amos and that's the big thing that, you know, I find, I don't know, I think that just too many excuses in this day and age. To, um, why we don't make, why people don't make better financial decisions when it comes to that.

Amos Like you said, you know, the, the, [00:08:00] the information available, I mean the, the information is available to everyone.

Dave It, it is, right. But it, it's, it's available to you if you know about it also. Okay. Right. So like, again, if you don't have a parent that. For whatever reason, maybe they don't have a bank account and they still get their, their check cashed mm-hmm.

Dave When they get paid. Right. That's just the way they were taught. That's what they do. Some people don't believe in banks. Mm-hmm. You wouldn't be able to understand I money in a savings account.

Amos I see. I don't know if that's fair though. I just don't know that I, I, I understood that back in the days where.

Amos You know, we were still in dial up situation and not everybody had internet and that, but okay. Think about this. Right? A lot of the things you've learned on the financial side. Yeah. Did you pick it up at home? Was it like what you learned at home or did you learn it over time?

Dave I think I learned it over time.

Dave I think the biggest thing for me, and I, I think I told you this, I had gone to some type of uh mm-hmm. Networking event, um, marketing platform, and [00:09:00] there was a guy giving his. Beach. Okay. I'll never forget, I was 16 and he was like, you know, basically, who wants to be a millionaire? Everybody raises their hand and he's like, um, who do you take financial advice from?

Dave And you know, some people like, I take it from my parents and he was like, let me ask you something. Is your mom and dad a millionaire? And he was like, no. He was like, why the hell would you take financial advice from them? Right? And it, that always stuck in my mind. Yeah. Um, I think you need to have the right resources to be able to make the best decisions, and it's gonna be the people around you that.

Dave Give you information, how much information do they really have and know when it comes to finances.

Amos So that's my point. That is my point. If you want to go and become a doctor and your parents aren't doctors, right, chances are you're not gonna go to your parents for no how to become a doctor. You are gonna seek the education.

Amos Correct. If you want to be a pro tennis player and your parents don't know how to hit a ball with a rack hit, chances are you'll probably find a coach.

Dave Probably not. 'cause tennis is a very expensive sport, but True. [00:10:00] True. Very true. Whatever

Amos else is, that's not gonna cost you a lot of money. Um, but I, I say that I understand the concept though.

Amos Now with finance, if you want to get educated in you finance, there are people with that are financial, whatever you wanna call themselves now, right? Wealth managers, financial planners, blah, blah, blah. That you can seek out and get the financial knowledge. Can you seek

Dave them out though? Why can't you?

Dave Because there are certain platforms or institutions that you need a certain dollar amount to even have a conversation.

Amos There are certain institutions you need a certain dollar amount to go into the educated Correct. So you can go, there's certain institutions that are free. Community college is free.

Amos And you can get knowledge. There are financial advisors that don't charge you. But

Speakers 1 here's

Amos the thing.

Speakers 1 There's with, with money, it's, it's something you.[00:11:00]

Speakers 1 Learn, right? Mm-hmm.

Dave On the go. Or you watch how your parents did what they did with money. Mm-hmm. And you try to develop better money habits. But it's, it's, it's a,

Amos it's like working out. But, but Dave, the, the concept, and that's the part that gets me here with just the way people think. Right? It's, once again, if you wanna be a doctor and your parents are absolutely right, you're going to go and seek where you can get it.

Amos If your family isn't in that, or you have no one in your immediate sphere or your, your nature mm-hmm. You know, the nature nurture conversation and your nature part of your life that. Has reached whatever type of financial goals or close to it. Right? Right. You wouldn't seek it in house. You're gonna go outside even if you do have

Dave to pay.

Dave But people are, people are embarrassed to ask [00:12:00] about topics that they don't really know about, especially in the brown and black community. Right. So it, it's, it's like a lot of people are financially illiterate.

Amos Okay. Right.

Dave And you can almost get them, there's a better chance of getting them to go to Atlantic City and gambling with a thousand dollars than them willing to invest a thousand dollars.

Amos Well, that right there, yeah. Is a crux of a challenge, right? Why is. That more of a, I don't even want to use the pond and say as a sure bet, or why is that the decision that's

Dave made? Because they don't understand investing. Right. When it comes to making your money work for you, it's about having a. A long-term understanding.

Dave Right. This is not,

Amos I think I'm gonna cut you off there, there, 'cause I gotta say this part. I think though, I think you are being really nice to people by saying because Right, or [00:13:00] because Right. I, I, I'm all is, I don't really know how to gamble. I don't. Right. Okay. But I'm sure I can learn. Yeah. You're gonna lose money.

Amos That's how you learn. But I can learn the rules of gambling, right? Correct. Like, um, blackjack called right Poker, right, right. Before I go play, I can watch videos, I can sit with some pro poker pros. I can join the table, whatever that is now, so we're talking about in the now. Now? Right now. Now. And so regardless your age, it's available.

Amos Correct. Same way, if I wanna learn how the market works, I'm not talking about being a guru, just the bare basics of the market working. How does something go up? How does something go down? How can I make money? How do you make money? What does it mean to make money Right in the market? You can learn that too.

Amos Yes. Even without a pro. So to give people the argument and say, well, you know, you know how to [00:14:00] gamble, but you don't know how to invest. Well, you learn how to gamble some way. You learned it, you can't. Learn how to invest doesn't mean you'd be good, doesn't mean you make a penny. Right. But you can't learn the, um, the, the, the, the concept, the rules of investing.

Amos Mm-hmm. That's what I'm basically saying.

Dave I think again, the na nature versus nurture conversation. Mm-hmm. Right. If all my family members gamble. I'm gonna learn how to gamble, right? And I'm gonna learn how to gamble because someone's gonna teach me very fair, right? Mm-hmm. Like whether if I like

Amos it or not, someone's probably gonna teach someone's teach.

Amos Just how? Just how

Dave It's like, you know, someone's gonna teach you how to play spas, correct? Right. So if it's a big game in the family, right? Yeah. You're gonna, someone's gonna, someone's gonna teach you. So now again. If no one in their family is financially literate, right. I mean, they're hardworking citizens.

Dave Mm-hmm. They pay their bills on time.

Speakers 1 Mm-hmm.

Dave But [00:15:00] there's, they haven't made any investments or, or funneled money into. Any type of way that can generate income. Mm-hmm. Who's gonna teach it to you? Um, and why would you pick up that, that topic if you've never been, if you've never had a conversation about it?

Dave Period.

Amos I, I, I think I still stand by my debate with it. My argument, which is, uh, if you want to learn to be a. And no one in your family is a physician. You know not to seek it in your family, you know, to seek it outside. And you can probably find the beginning steps

Dave true. But again, if you wanna be a doctor, they're gonna tell you what to do in school to be a doctor.

Dave These are steps you need to take, right? Easy. They don't teach you the steps to become rich in school. What do they tell you? Go to school, work hard, get good grades, and

Speakers 1 it'll all work out. But isn't that the.[00:16:00]

Speakers 1 Back in the game,

Amos if you just take a test on your camera Off,

Dave yeah, yeah. My mic. Mic. 1, 2, 1, 2. Yep. I'm live. I see it. I see it on the screen. You see? Oh, you, oh,

Amos oh.

Dave Yeah, yeah, yeah, yeah. Look

Amos at you. Alright, cool man. So the oldest part will be edited to make it look much more so. Seamless. I guess we transition it.

Amos Try to wrap it up real quick. Ready, steady. Alright, cool.

Dave So, alright, go ahead man. Yeah, so again, like, like we were saying, right, I don't think that you have these avenues, like you're saying, to get this education. Mm-hmm. Freely. So you could walk into a bank. Uhhuh, right? Uhhuh. But if I'm [00:17:00] 15, 16, I still need my parent to go with me to the bank to get advice.

Dave I understand

Amos that. Whoa, whoa. Yeah. Yeah. But you don't need your parents to go into the library, but no one's going to the library then that right there and see right there, right there is my point. I said off camera you have tolerance for people. Right, right. I have tolerance. Well, I think our levels of tolerance are just like different.

Amos Um, and that there for me is if you have the ability to, the capability to, but you choose not to, then that means you don't have the will to if you have the ability to and the capability to go to the library where all this. Content is free,

Dave but maybe I don't digest it that well that way.

Amos Oh my dude.

Amos Alright. Where, okay,

Dave where else? I may, maybe I'd rather learn from somebody who's actually successful that, that [00:18:00] would want to teach me.

Amos See, that's the other thing here. Right? Let me, okay. First, where is, how's the world changed where people or where the. Teacher has to adjust to the student's way of learning.

Amos I don't get that. You don't go into college, sit in front of the class, professor comes and asks all 50 students, how do you learn? How do you learn? No, bro, I'm gonna teach you this curriculum the way I teach, and you have. To learn it, but

Dave you're

Amos still

Dave digesting

Amos information. If you can go into a classroom and digest information from someone lecturing you, you can go watch a video and be lectured.

Dave That's not necessarily true. I don't think so. Oh, so, because at the end of the day, if I am not. Maybe I'm not a a, a good reader. What's a video? Listen to a tape. But that, those are two different ways of digesting it.

Amos But I'm saying the way you digest education in those, in the, um, traditional school format is [00:19:00] the way you digest, vid, uh, information in the library.

Amos They have their own workshop,

Dave but in the school format, the professor is teaching it To me, if you go to a workshop, someone is teaching it to you, but Exactly. Okay. I agree with you.

Amos I'm just saying you giving people, you give people, uh, you're giving people leeway,

Dave bro. So, so here's,

Amos here's

Dave the thing. If, if nobody in my family is an expert on the topic, how do I become one seeker by going to the library or finding a mentor

Amos any way you want.

Amos So, exactly. If you choose to go with a mentor, you are choosing to learn from one person and anyone within that person's network. Which has its own risk,

Speakers 1 right?

Amos If you choose to cast your wi a net a little wider and have couple people's here and there that you go to as your primary, right, but you'll cast a wide net to really learn something.

Amos You've diversified the risk, but you'll be taken in junk as well, right?

Dave Yeah, but I just risk each way. [00:20:00] I just think when it comes to finances, it's like anything else, right? When, when. Like you said, when people are not feeling well mm-hmm. They go to the doctor hands on. Yeah. When you need your taxes done, you go see an accountant.

Dave Yeah. Yeah. Why is it when people need help with money that they don't seek?

Amos It's, it is, it's, um, probably, I guess one or two things. Right. You don't always seek a doctor when you're feeling sick because there's a, it's depending on what it is, you might feel a level of embarrassment. Okay. Right. You know, someone might catch up and they weren't supposed to catch doing things they weren't supposed to do.

Amos Same way as some people feel a level of embarrassment, but go and see a finance expert, right? Because they may feel embarrassed about their current situation. That's fair. Still doesn't it still doesn't mean you can't,

Dave but

Amos if you want to improve your current situation, then you go do what you must do. And I think the thing is.

Amos It's is, is, I used to use the analogy, if I may [00:21:00] say, you know, I didn't come up with this question, but how many times should a kid try to learn how to walk?

Dave I guess? As many as he.

Amos As he, as an easy, right. All right, cool. How many times should you try to. Seek the knowledge you want

Dave as many times as you need to, to, but,

Amos but when you become an adult, when we become an adult, there's some unspoken rule that says, Hey, if you try X amount of times, depending on what it is you're trying to do,

Dave and it doesn't work, don't work.

Dave Stop. That's, that's. That's not, that's not the most business people would say. That's never the truth.

Amos But that's the difference though. Most business people, and you are assuming business people have a level of success if it's financial or in their industry, right? Most business people have learned that you constantly.

Amos Seek, seek, seek. And you try, try, try. If we're talking general public, right? And this is why I'm saying tolerance with it is, okay, people are, I wanna do better financially. Okay, let's go seek it. All right? I have avenues to seek it. [00:22:00] Okay, go seek it. Go start. Ah, man. But I don't about. I can't help you if you don't wanna help yourself.

Amos If you can't, if you're not willing to take yourself to the brink, how can you expect someone else to take you to the take, to go to the brink for you? And I think that's my biggest challenge with it

Dave all. But I, I don't disagree with that part of it, right? Mm-hmm. Help me. Help you. But at the same time, what I was.

Dave Say is this, if I try to help myself and I, and, and I indulge in these topics, mm-hmm. But I have no idea about how it actually works. How can I implement it? I went to the library, I did the work, I read the books.

Amos So implement what stops you from implement. They will be real. There'll be real obstacles, right?

Amos Let's take real life example, real estate. My first pro, you know me, I didn't come for money. Um, I came into finance, right? Found some people that you know, [00:23:00] financial advisor doing very well. I met with any and every. That was doing very, very well. You know, people's numbers are public and within your firms.

Amos Right? Um, and I went to the top people, anyone that gave me time of day asked for 10 minutes if possible, and they did. First question, how many other people did that? None. Right. When I was in a management role, I would. Always encourage people to do it. How many people actually did it? None. I would've to walk people into the door first problem.

Amos Second thing now is, one thing I found out was a lot of people had built wealth through real estate as well. That was a great thing. Cool. No one sat down and said, okay, here's how real estate works. Right? How you buy is how you get a mortgage. Nobody did that, right? First thing I did was I knew I had to come up with a down payment.

Amos IFI went online. How much is a down payment for what? What is the percentages? It gives you a percentage, right? Boom. Alright, let me save up [00:24:00] for that percentage. Boom. Now I have a down payment. How do I fund the rest of it? There's something called a mortgage, right? Okay, Google it. How you get a mortgage, a bank.

Amos So what did I do? I called the bank that I was banking with, right? And then they start teaching you the steps,

Dave right? But you see that you call the bank again, remember before we were saying, believe it or not, there are people that still don't use a bank.

Amos Look, bro, at that point. If you know it exists and you choose not to use it, that's on you and you don't have access to the stuff

Dave that's on you.

Dave But so, so again, so then now I'm 16. I'm 16. I like to, I, I got a little job. I like to open that account, but my parents don't bank anywhere and I can't open the account by myself.

Amos I tell my parents, Hey, I wanna open up a bank account. I need you to co-sign. Now, if my parents would say they have to have an account at the institution, okay, then I tell my [00:25:00] parents, Hey, you have to have an account at the institution.

Amos And my parents say, that ain't happening. That ain't happening. That's fair. Then I try to find another way to do it. That's the reality. Right. Become you become resource. So it forces you, you become it. It forces you to seek the knowledge and best believe the fact that you seek the knowledge. Yeah. To find out alternative ways to create your own bank.

Amos Right. The amount of knowledge you learned from that adversity has taken you another level. I think the problem is a lot of people get adversity. And don't look for the solution before you say your point. I used to, one critique I used to get from the advisors I used to hire was, you never give the answer.

Amos You always tell me. I go, I'm like, well, that's definitely way you gonna learn. If I give you the answer all the time, you'll memorize the answers. I keep giving you. Right, and you'll memorize the question there. I change one or two words or one sentence in the question [00:26:00] you'll Right. You know what I mean?

Amos Right. It doesn't make sense if you sell life insurance, for example. The logical thing in my mind. Is if you have a product suite of policies that you can sell, run a scenario for yourself on each one to see, to see each one and read every single page of each one. I swear to you how many people actually do that?

Amos Probably not many. I used to get my advisors to, um, I used to make them read stuff and I say, you have to come up with five questions that you don't think I'll have the answer to. And the only reason I did that was to force them to actually read the page by page, and they had to look for something with the interest rate.

Amos In year 12, right. On a loan. Oh. You know what I mean? Okay. I see you've read. I'm just saying like, I don't give people that level of tolerance. I don't [00:27:00] give that leeway for people. I don't, I don't. I don't. I don't.

Dave You don't have to. I think that everybody,

Speakers 1 I.

Speakers 1 Has to figure out. Yeah.

Dave At certain point the reality is no one's coming to save you. Correct? Correct. Right. When you are young, you may be inclusional, um, move your

Amos chair up a little bit more. We have to pause the edit here. Boom. Perfect. Alright, cool. Alright, because you. Frame.

Dave So I think that, that when you're young, you have aspirations and, and you don't really understand the realities of life.

Dave Yeah. Um, then you learn, you make mistakes and you adjust. But that's the thing [00:28:00] with money. Either you're taught it from an early age. Mm-hmm. Or you're learning on the go and you're going to make mistakes. That's fine. That's fine. Right. I mean, you hear the stories of these athletes, you know, you go from being broke last week mm-hmm.

Dave To signing a. $30 million contract. Right. And again, nobody in your bloodline has ever seen that kind of money, correct? Correct. How are you going to manage that?

Amos Like you said, you learn on the go and you could learn on the go by your. You can learn on the go with a professional. I'm not saying having a professional at all times guarantees you.

Amos We've see that the result, yeah, we've seen that plenty of times. But you learn

Speakers 1 things along the way. You start to see.[00:29:00]

Speakers 1 We go. So

Dave again, when it comes to the finance part, like I said, if, if you're not taught it. Then who are you gonna seek out? Like I said, in school, it's go to school. If you want to be a doctor, this is what you have to do. I can't go to my English teacher and ask her how do I get rich?

Amos But, but that's, but that's the whole point though.

Amos If, if, you know, you can't go to your English teacher to know how to get rid. Let's say your English teacher is rich, right? Let's just assume that, right. Um. You should also know that I shouldn't go to someone that does that hasn't acquired and ask 'em how to get rich. I don't, I [00:30:00] don't

Dave think, or someone that doesn't know that subject, but.

Dave But when you are young, you don't, you don't even understand money to see it that way.

Amos But the, the point is, you understand, right? If I, you understand, I can take away like the subject title and just the bare bones of if I need to get knowledge, I have to seek it. Yeah. First step is to figure out the right people to seek it from.

Amos Right. The who's right. Yeah. Just the bare bones. If I want to learn how to swim right. Like without having to go through all those crazy aches, I should probably find a swimming instructor, right? If I wanna learn how to play footy or soccer, I should learn to get, get someone that actually knows how to play, right?

Amos Keep the ball if I want to learn how you.