Ben Felix Talks Investing in Crypto, Revolutionary Tech, and Academic Research

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  • Опубліковано 15 лис 2024

КОМЕНТАРІ • 335

  • @ThePlainBagel
    @ThePlainBagel  2 роки тому +44

    Happy Friday everyone! Visit the following link (or use coupon code BAGEL) to get a free 7 day trial of Noa's premium subscription, plus 37% off the annual fee: bit.ly/3wn8nfh

  • @HowMoneyWorks
    @HowMoneyWorks 2 роки тому +236

    Ben is a genius

    • @mordet2
      @mordet2 2 роки тому +21

      well, well, well. if it isn't number three.

    • @ajrobbins368
      @ajrobbins368 2 роки тому +18

      I watch Ben Felix, Plain Bagel, Patrick Boyle, and How Money Works religiously. All four of you put research quality first and deserve massive followings for that effort.

    • @georgeschneider8778
      @georgeschneider8778 2 роки тому

      Legit👌

    • @georgeschneider8778
      @georgeschneider8778 2 роки тому

      @@ajrobbins368 add Paul Merriman

    • @user-DongJ
      @user-DongJ Рік тому

      Really? How many kingdoms or revolutions has he led, made, found or grown? How many Nobel prizes, World cup or Olympic gold has he won? How many centi-millions has he made & saved?
      Isn't that what people say about "geniuses" like Do Kwon, Su Zhu, Sam Bankman Fried, etc. before their fall? Are Xi, Hu, Jiang, Putin, Yeltsin, Biden, Trump, Obama, Bush, Clinton, etc. geniuses too? How about people like Washington, Sun, Lenin, Gandhi, Mohammed, Jesus, Gautama, Confucius, etc?

  • @maxpayne7419
    @maxpayne7419 2 роки тому +190

    Love these two guys. Sane, rational, sound advice in a world so full of nonsense. These guys are the best in the business.

    • @triple_gem_shining
      @triple_gem_shining 2 роки тому

      Also check out new money. He's very similar and from Australia. He's qualified legitimately and conservative

  • @samuelbarnes9243
    @samuelbarnes9243 Рік тому +20

    Revolutionary tech or investments in new market segments is such a bad idea, Ben's completely right there! I would consider myself to be an early investor in a lot of areas and I still never touch anything if its less then 5 years old. You need time for anything to give you a track record and for all the speculation and hype to be wiped out. This guy is so smart and has such a wealth of knowledge! He's got my follow.

    • @user-DongJ
      @user-DongJ Рік тому +2

      OIC. Since BTC is > 14 years old, ETH is > 7 years old, XRP > 10 years old & DOGE is > 9 years old, this would mean you would have invested or are investing in them. Or you are pro stock & have invested in Apple, Microsoft, Google, Amazon, etc. instead? Does this include currencies like USD, EUR, CNY, JPY, etc. land in/near cities like New York, Hong Kong, Singapore, Tokyo, etc. &/or commodities like oil, gold, rice, tea, pee, etc. too?

  • @LoganT101
    @LoganT101 2 роки тому +99

    My two favourite personal finance UA-camrs?! So exciting to see you working together

  • @spector3881
    @spector3881 2 роки тому +33

    The most ambitious cross-over since Endgame

  • @IakonaWayne
    @IakonaWayne 2 роки тому +30

    Ben felix is like the first academic finance "UA-camr".

    • @jmc8076
      @jmc8076 11 місяців тому

      Not quite but he is pretty good.

  • @crazydrifter13
    @crazydrifter13 4 місяці тому +2

    I just started the podcast and damn Ben Felix is 6' 11"? That's easily among the top few percent in the world.

  • @holdencawffle626
    @holdencawffle626 Рік тому +7

    Ben is amazing. Love his videos. Very informative!
    Had no idea he was 6'11"!!

    • @religdeb
      @religdeb 29 днів тому

      Wow that is huge

  • @brendanmohns3978
    @brendanmohns3978 2 роки тому +12

    Good interview, and great conversation. My only issue is that you tended to interrupt Ben while he was talking on a subject. It might make for a better time to let him finish his thought before speaking over him.

  • @timelston4260
    @timelston4260 2 роки тому +3

    So many young finance UA-camrs got cut from my playlist. Not the (anything but) Plain Bagel and Ben "Common Sense" Felix. Two quality influencers.

  • @neuvocastezero1838
    @neuvocastezero1838 2 роки тому +9

    Thanks, it's great to see an interview with someone who can help distill technical academic research on such topical issues. I probably won't get around to reading the actual papers, so the assumption is that the information is accurate, but he certainly seems legit.

    • @user-DongJ
      @user-DongJ Рік тому +3

      Totally. But as people who are familiar with Market 101 &/or Investment 101, it's rarely a good idea to simply base one's investment on the opinion of a couple or handful of "experts" (or blogs/books) since markets are such a wide & abstract topic/concept.

  • @NickOloteo
    @NickOloteo 2 роки тому +25

    It’s nice to see Ben take some time off from raising an army.

    • @red149
      @red149 2 роки тому +1

      I see what you are doing here ;)

  • @anonymous1432341
    @anonymous1432341 2 роки тому +8

    Ben & Richard, we are so lucky to have the internet connect us to your professional perspectives. Thank you for the great content you provide.

  • @stefanthoni2264
    @stefanthoni2264 2 роки тому +3

    Bagel-Man your the MAN! Thanks for this. Love Rational Reminder and love hearing from Ben outside of his Podcast

  • @KtunaxaMTB
    @KtunaxaMTB 2 роки тому +2

    Two best investing and finance content creators. They don't spew crap like a lot of these other UA-camrs do. Not to mention they are both Canadians too!

  • @lastempire7302
    @lastempire7302 2 роки тому +2

    Ben is my favorite Finance UA-camr. I started investing becuz of him!

  • @jasonbowman709
    @jasonbowman709 2 роки тому +5

    Ben Felix - The interview guest who moves you to next next level.

  • @davidblack6413
    @davidblack6413 2 роки тому +22

    My two favourite Canadian financial educators (okay, along with Adam Bornn at Parallel Wealth and his retirement channel in Vancouver)! It doesn't get better. Thanks for showing us the way, and modelling responsible, personable, research-based investing and market information for Canadians.

    • @Howell_Jolly
      @Howell_Jolly 2 роки тому +1

      North American, not only Canadian.

    • @davidblack6413
      @davidblack6413 2 роки тому +1

      @@Howell_Jolly Fair enough, as their advice applies in the US and elsewhere too. I like the Money Guys (also financial educators on UA-cam) out of Tennessee, for example. And Dave Ramsay's channel, based on his radio show, is helpful in addressing some issues, such as debt.

  • @BroileR2007
    @BroileR2007 2 роки тому +1

    Your collab with TFD earlier this year, now this. Great news! The best of the financial youtubers together.

  • @guillaumegiroux9425
    @guillaumegiroux9425 2 роки тому +4

    OMG BEN FELIX, BEST DAY EVER!

  • @inla5
    @inla5 Рік тому +3

    When two of your best finance people do a podcast together .. !!!

  • @jnardiello
    @jnardiello 2 роки тому +5

    Mandatory like for two my favorite finance people on ytube

  • @WheresMyPolenta
    @WheresMyPolenta 2 роки тому +1

    That’s why I like Ben Felix so much. He hoops.

  • @itschrisuphere
    @itschrisuphere 2 роки тому +1

    @12:30 The reason and intuition for me as to why economic growth results in negatives returns is because of implied disruption occurring based on the 'market moving forward'. Given this specific analysis is from a passive framework, it makes sense that a faster growing and moving market is more likely to specifically benefit from active investing over passive.

  • @VictorBrichaut
    @VictorBrichaut Рік тому +2

    Hi Richard,
    Thanks for the content. It could also be cool to list all the resources mentioned during the talk in the description.

  • @mem9968
    @mem9968 8 місяців тому

    One of my professors of economics who also worked in monetary policy of my country's central bank explained to us that the origin of money is debated, with the two main hypothesis being the one Ben criticized (gold, barter, etc.) and the other one being that the Government created money as a credit (something Keynes came up with).
    Ultimately though, our professor concluded that it doesn't really matter how money was created since today money is better explained as credit. He was also very critical of crypto, saying it does not fulfill any requirements for it to be consider money. Overall very interesting vidro, thanks!

  • @costanzojr
    @costanzojr Рік тому +3

    It would be great to see a conversation between the two of you about active vs passive investing! 🙂

  • @unlearningeconomics9021
    @unlearningeconomics9021 2 роки тому +1

    Fantastic chat!

  • @Jonas-ec1mn
    @Jonas-ec1mn 2 роки тому +2

    Omg I waited long for this conversion. My two Favorit youtuber😍🥳

  • @FelipeV3444
    @FelipeV3444 2 роки тому +6

    Thank you for your take on crypto, it's important for all investors in this asset class (me included btw) to hear the reality of it and try to stay objective about it.

  • @davidnelson2204
    @davidnelson2204 2 роки тому +2

    I subscribed to your channel a while ago knowing one day I'll understand. Just took the CPCU 540 and finally understand wtf stocks are. I highly recommend doing an into for idiots for stocks! Dividend payments (and how they are decided; why corps issue benefits at all); time value of money (present value and future value concepts); basic concepts on corp financial determination (fundamental analysis, financial leverage, economic analysis, diversification strategies, quantitative measures of risk); value at risk; and the very basics of Greeks (I only got a 1000 ft view of Beta). Just a short video stating that all these concepts are things would be really helpful haha.

  • @timelston4260
    @timelston4260 2 роки тому

    Good guest choice this time. He's top notch, unlike the bow-tie and minority crackpots who inexplicitly made it onto your channel, given that you are a man of integrity.

  • @yoverale
    @yoverale 2 роки тому +1

    Amazing interview! now i've like a million things to check out, thanks

  • @giuseppeo77
    @giuseppeo77 2 роки тому +1

    Great episode! Thank you very much Richard and Ben. Keep up the good work! Greetings from Mexico.

  • @zvxcvxcz
    @zvxcvxcz 2 роки тому +2

    It's been hard to get away from market cap weighting, and don't really want to do equal weighting either... I did end up putting some money in the Dimensional Small Cap Value ETF... but their costs do sting a bit. I think even after costs they have been my best performing ETF though so far. From memory without puling it up I think I'm doing about 1 percent better in the Dimensional ETF than in SPY.
    Some other anomalies per se can be things like HKD and MEGL recently.

  • @implied321
    @implied321 2 роки тому +1

    I would like a debate between you and Ben about market efficiency. You are an active investor so this would be ideal

  • @jmc8076
    @jmc8076 11 місяців тому +1

    Check back in 5-10 yrs on digital space past and present. Good credible info avail.

  • @MrAsaphelps
    @MrAsaphelps 2 роки тому +1

    Name a more iconic duo. I'll wait.

  • @Pieter2360
    @Pieter2360 2 роки тому +5

    Wonderful! Been following both of you for quite a while. Nice to see the two of you in this collaboration.

  • @guerillahag
    @guerillahag 2 роки тому +1

    dude finally someone who talks about real shit

  • @bendre1997
    @bendre1997 2 роки тому +3

    Now this is a crossover episode!

  • @jamesbuttery3862
    @jamesbuttery3862 Рік тому +2

    Bitcoin was not to be designed to be like Gold...it has come to be known and invested in like a Digital Gold..but that was not the original idea by the developers. It was designed to be an electronic peer-to-peer cash system to transfer value between people, without going through a third party. Simple.

  • @bgieseler
    @bgieseler 2 роки тому

    Great talk, very little worthwhile financial discussion on this site but this is awesome.

  • @Kordanor
    @Kordanor 2 роки тому +2

    Oh cool. Crossover of my 2 favorite English speaking finance channels. Actually the only 2 English finance channels I am watching. I feel like there is much more sensationalism, scandals and speculation and bad advice to be found on English channels if you compare that to German ones, where the 2 biggest channels (I assume) are pretty much the opposite and more along the lines of what you two guys are doing (actually a bit more pro ETFs than at least Plain Bagel, but you are careful enough to not hype people into buying any individual stock)

  • @MicahMelnyk
    @MicahMelnyk 2 роки тому

    Fantastic! This was a great convo, and a great low down. Ben, you got a new subscriber out of this.

  • @user-dm84
    @user-dm84 2 роки тому

    Been waiting on this meeting of the brain trust for years! Lovely stuff.

  • @aldevinolima4299
    @aldevinolima4299 2 роки тому

    I’m here b/c of guy Benny, great professional and even Greater Person 🙏🏼

  • @utubeaddict29
    @utubeaddict29 2 роки тому +3

    Now this is the FinTube crossover we need.
    But please Richard in the nicest way possible, SHUT UP and let Ben talk!

  • @dav0625
    @dav0625 2 роки тому

    My 2 super stars in a single place ! I already enjoyed the video on Stiglitz-Grossman paradox.
    What a wonderful cooperation.

  • @grzegorz8017
    @grzegorz8017 2 роки тому +5

    My two favorite finance youtubers!

  • @verablack3137
    @verablack3137 2 роки тому +5

    The strange thing about crypto people is when they evangelize about it in the breakroom at work and you explain the problems with it, sadly it becomes clear that they don't actually know much about crypto. There seem to be some very smart people who have a strong vision based on an ideology of decentralization and solving real work problems with crypto but, from my limited experience those don't seem to be the bulk of the people buying or talking about it, most of them seem to be very much buying in on blind faith rather than some sort of actual libertarian political position.

    • @739jep
      @739jep 2 роки тому +1

      Well put , that’s been my experience as well. They also tend to subscribe quite passionately to the Austrian school of economics. I can’t tell which is the chicken and which is the egg though. Obviously Austrian economics is older , but it seemed to get re popularised since btc was invented.

    • @tonioinverness
      @tonioinverness 2 роки тому +1

      But couldn't you say the say the same thing about any asset class? Most people couldn't tell you the first thing about how a mutual fund works your literally millions of people are invested in them through their 401(k)s. Lots of people are invested in stocks like Amazon or Walmart, but ask them to explain to you how global supply chains work.

    • @verablack3137
      @verablack3137 2 роки тому +2

      @@tonioinverness It isn't the same thing at all. The same thing would be if people who talked about stocks didn't understand that companies sell goods and make profits, and sometimes issue dividends to people who hold the stock. What I mean is people who have to my face told me that I should buy crypto didn't know what a DAO was, or what proof of stake/proof of work was, or really anything other than their absolute certainty that blockchains are the future.
      I think it is absolutely fair to expect someone to at least understand the absolute basics, I am not saying they need to have read and understood the whitepaper even, but they need to know fundamentally what a crypto currency is and what actual use it has or could likely have, and in my experience few people in the breakroom at work even get that far while saying that doge coin or shiba inu coin or whatever is going to go to the moon again.

  • @NoNonsenseInvest
    @NoNonsenseInvest 2 роки тому +3

    Now if there's some Patrick Boyle and Coffezilla cameo.

  • @ryanm7171
    @ryanm7171 2 роки тому

    Wow, the two best Canadian UA-camrs out there one screen. Your both amazing.🇨🇦🇨🇦🇨🇦

  • @DeletedDenizen
    @DeletedDenizen 2 роки тому +3

    So cool to see you again do a video with Ben. Thanks to the first one I discovered his channel and now listen to his podcast every week! Shame that he deleted some videos from his YT though:/

  • @johndoe1646
    @johndoe1646 2 роки тому

    Interview someone from the goldfinch finance team, it's real world finance. All investors have to be accredited, and the companies that use the on-chain protocol are audited and the risk is assessed.

  • @cat-.-
    @cat-.- 2 роки тому +1

    Me before Ben Felix: Googl, Msft, Amzn, Tsla, Gld
    Me after Ben Felix: VTI, VBR, BND, VXUS

  • @dhess34
    @dhess34 2 роки тому +1

    Ahhhhh my two favorite Finance people!!!!

  • @andreasmogelhoj6496
    @andreasmogelhoj6496 2 роки тому +13

    I only take my finacial advice from lanky akward Canadians. Never listen to charismatic americans;) Ben felix is straight facts and research. Always great an unbias.

  • @dhruvdnar
    @dhruvdnar Рік тому

    Maybe a follow up?😊 Podcast with you, ben, Sven, and Patrick!

  • @GubeTube19
    @GubeTube19 2 роки тому +1

    Maybe I haven't studied CAPM enough, but when Ben Felix says: "under the efficient market hypothesis, prices can still differ from intrinsic value, but these occur randomly and cannot be reliably exploited for profit." Can you elaborate on this? What is meant by this, and why?

    • @thesorrow312
      @thesorrow312 2 роки тому +1

      It means picking stocks, shorting, options, timing the market, etc etc is not a reliable strategy for beating the market, thus holding the market weighted portfolio is still the way to go, this is the proper understanding until the fama & french factor models also lead to the suggestion that overweighting specific factors like value and small cap over the market portfolio can lead to outperformance over a long time horizon.

  • @DC-nj8kv
    @DC-nj8kv 2 роки тому +2

    2 thumbs up for this pair 👍👍

  • @georgeschneider8778
    @georgeschneider8778 2 роки тому

    My best two finance UA-cam: Paul Merriman and Ben Felix👍

  • @javiermartinezrossi8957
    @javiermartinezrossi8957 2 роки тому +3

    My two favourite financial creators! Perfect lunch time episode

  • @goodq
    @goodq 2 роки тому +2

    Humbled. Thank you very much for this video. Lovely conversation that I honestly thoroughly enjoyed.

  • @whasian2007
    @whasian2007 2 роки тому +2

    Just started the video and I’m already super pumped for this podcast. All the guests have been amazing so far

  • @scarletovergods
    @scarletovergods 2 роки тому +4

    Wow. Can't wait to watch this. Love Ben's content!

  • @imba69420
    @imba69420 2 роки тому

    I love Ben and "Rational Reminder" even though I'm still a stock picker! :D Gonna move all my money to index funds some day...

  • @Erasmus1337
    @Erasmus1337 2 роки тому +2

    Instant like, thanks for the episode!

  • @JamessProductionss
    @JamessProductionss 2 роки тому +1

    I think Ben is wrong on a few points. Technology can stimulate change, for example: the printing press and it's roll in information distribution and societal changes that followed. Also, I don't think Adam Smith just "made up" a gold-backed currency, he speculated from prior principles and concluded that gold wound up as a currency because it was something "that everyone wanted."
    I personally think a strong currency is something that is valuable. MMT guys probably have similar opinions as Ben, historically MMT and currency debasement as been heralded as a great rescuer of the great depression and printing your way out of financial crises. I believe the common sentiment Bitcoiners have is viewing this currency debasement as a social failing that does not allow power and wealth redistribution. Bitcoin was a response to the 2008 COLLUSION of banks and state. Investing in potential technological revolutions is risky, but containing down the same system of currency debasement is also risky; continual debasement of currency is damaging to a population and will ultimately destroy the American Empire which will take "safe stocks" down with it.

  • @arapanubis
    @arapanubis 2 роки тому

    In their respective books, Sahlins and Graeber offer interesting aspects on the credit system as a basis of money.

  • @thb7620
    @thb7620 2 роки тому +1

    BEN! Let’s go!

  • @kev2633
    @kev2633 2 роки тому +1

    I really enjoyed this one

  • @sobtrdeszl7806
    @sobtrdeszl7806 2 роки тому

    hello richard, another great video and two of my fav fin youtuber in one frame. However, the audio seems kinda low at times.

  • @amaetfacquodvis2450
    @amaetfacquodvis2450 2 роки тому

    Pls do a 2.0 interv. with Ben Felix, ur both great!

  • @arga400
    @arga400 2 роки тому

    YO! Bring Patrick and you'll have all my favorite Financetubers!

  • @arfarf152
    @arfarf152 2 роки тому +1

    Did you (Ben) try to interview Saifedean Ammous for your podcast?

  • @TheSolver-PR
    @TheSolver-PR 2 роки тому +1

    Woa!!! Common Sense is the new Red Pill

  • @midimusicforever
    @midimusicforever 2 роки тому +1

    Banger episode!

  • @hengbozhou3255
    @hengbozhou3255 2 роки тому +2

    Great collaboration, I will love to know the research on how investors behaviors differ with holding various assets class. Personally, I invest in dividend stock ETFs like SCHD and VIG, which is not because I think those funds will mathematically outperform market cap index fund. Instead, predictable dividend is encouraging. I do believe this tangible income can make investors more disciplined and rewarded (not by security itself but by persistent behavior).

  • @thomas6502
    @thomas6502 2 роки тому +3

    Really appreciated this discussion. Thank you both!

    • @thomas6502
      @thomas6502 Рік тому

      Rewatched a year later... even more prophetic in some ways. Durable folks. Thank you!

  • @OckhamsChainsaw1337
    @OckhamsChainsaw1337 Рік тому +2

    What I really like about Ben is how he is both a proper finance guy AND pretty woke about how money functions on a macroeconomic level. Too many investing experts are libertarians and monetarists who -- even though they are knowledgeable about capital markets -- subscribe to incredibly outdated, neoclassical views about the economy. And because most people don't know the difference between the stock market and the economy, they listen to them even though it's incredibly harmful.

  • @00x0midnight0x00
    @00x0midnight0x00 2 роки тому

    now those screws of that microphone-stand are REALLY fixed now. but besides that: great content.

  • @andrewcameron4277
    @andrewcameron4277 Рік тому

    Hey cheers another Ottawa man!

  • @Jakuzziful
    @Jakuzziful 2 роки тому +1

    I see Ben, I press like

  • @darnold1984
    @darnold1984 11 місяців тому

    We need a returning appearance from Stephen Diehl on the coping reminder!

  • @Ferdinand208
    @Ferdinand208 Рік тому +1

    38:22 The basis of money was not Barter but Credit
    I don't understand this argument. What is the difference between Barter and Credit? How can credit exist without barter?
    If I plow your field in exchange for you picking my apples you call it barter right? But it is also credit because they don't happen at the same time. Can you think of a way where you start with credit but don't use barter?

    • @ThePlainBagel
      @ThePlainBagel  Рік тому +1

      I suppose that's technically true, but that's similar to saying commodity money is just barter since you're ultimately using the money for something else. I think Ben is specifically referring to the idea of trading goods directly for one another.

    • @Ferdinand208
      @Ferdinand208 Рік тому

      @@ThePlainBagel And Adam Smith really thought people traded directly like what children do with toys?
      I never knew that was what they meant with barter. I thought it was trading without money as an intermediary.

    • @ThePlainBagel
      @ThePlainBagel  Рік тому +1

      Yes my understanding is that they assumed economies operated with people trading goods directly - two cows for 200 bushels of wheat, a hammer for a shoe, etc. They even highlighted a “coincidence of wants” as a big limitation with barter.

    • @blaine4754
      @blaine4754 2 місяці тому

      barter is trading money for a good or service. credit is trading money for money. the bulk of money lies with the money changers, not who offers the most goods/services. even though it looks like it.

  • @n8mo
    @n8mo 2 роки тому +2

    More long form interview content please! Really looking forward to listening to this 🙏

  • @TheSteinbitt
    @TheSteinbitt 2 роки тому

    Dayum that’s a killer colab!

  • @greengoesup1027
    @greengoesup1027 2 роки тому

    Pls make this in audio form podcast style

  • @hermawanwibisono5075
    @hermawanwibisono5075 2 роки тому +1

    Amazing duo.. I think we need more these kind of people to learn more about finance and of course to more rationall..👍👍👍

  • @anteeko
    @anteeko 2 роки тому +1

    The idea behind crypto is to have a medium of exchange without intermediaries, that's it.
    Crypto have modelled gold because it existed but a crypto can have any feature possible.
    Typically Crypto doesn't bring much to first world countries but many places have broken banking system and crypto can be an alternative.

  • @fk319fk
    @fk319fk 2 роки тому

    Dang, this was new and interesting, I have to watch it again!

  • @awolgeordie9926
    @awolgeordie9926 2 роки тому

    Good to hear contrarian views but did Ben interview the likes of Robert Breedlove, Michael Saylor, Jeff Booth, Lyn Alden, Saifedean Ammous, Max Keiser or Greg Foss? Big hitters with highly compelling reasoning in support of bitcoin as an investment.

  • @behrensf84
    @behrensf84 2 роки тому +1

    Holy cow! 6 ft 11in! I suppose that comes in handy when you have to tell a client not to YOLO on their favourite meme stock :)

  • @QuangNguyen-pk4op
    @QuangNguyen-pk4op 2 роки тому

    Thank you. This is a very refreshing perspective

  • @A_page_a_day
    @A_page_a_day 2 роки тому

    Thank you for the education.

  • @robervaldo4633
    @robervaldo4633 2 роки тому

    excellent interview! thanks! I love Ben's content!

  • @oldleatherhandsfriends4053
    @oldleatherhandsfriends4053 10 місяців тому +1

    Crypto is a gamble, in no way can anyone say it is a safe "investment".

  • @TejSwatch
    @TejSwatch 2 роки тому

    Terrific talk. I don't agree with all the takes, but you guys are coming from a place of knowledge and practice, and I'm glad I found this talk.