How to become a MILLIONAIRE with low income? AUTOMATIC MILLIONAIRE

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  • Опубліковано 25 чер 2024
  • Small Savings, Big Wealth: Can you become a millionaire on a Small Income? Finance expert explains
    👉📕 Buy the book here: amzn.to/3Rv1Idz

КОМЕНТАРІ • 167

  • @littlebitbetter7
    @littlebitbetter7  6 місяців тому

    👉📕 Buy the book here: amzn.to/3Rv1Idz

  • @Patricia-Margaret
    @Patricia-Margaret 7 місяців тому +130

    I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

    • @Patricia-Margaret
      @Patricia-Margaret 7 місяців тому

      @AustinWalker67 That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

    • @Patricia-Margaret
      @Patricia-Margaret 7 місяців тому

      @AustinWalker67 I will give this a look, thanks a bunch for sharing.

    • @Susanne-zuku
      @Susanne-zuku 7 місяців тому

      @@Patricia-Margaret Alice Marie Coraggio her trading strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy

  • @JefferyDuns
    @JefferyDuns 2 місяці тому +304

    I love how you take your time to educate your viewers we all strive towards financial stability and a better Life. It is easy to achieve this through the right investment, by living frugally and budgeting. I'm glad I learnt early in life to work hard for financial freedom

    • @sattler96
      @sattler96 2 місяці тому +1

      Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.

    • @Nernst96
      @Nernst96 2 місяці тому +1

      Considering the prevailing economic climate, I recommend seeking a mentor or a knowledgeable advisor who can provide guidance and support.

    • @PatrickLloyd-
      @PatrickLloyd- 2 місяці тому +1

      I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years

    • @PhilipDunk
      @PhilipDunk 2 місяці тому +1

      this is all new to me, where do I find a fiduciary, can you recommend any?

    • @PatrickLloyd-
      @PatrickLloyd- 2 місяці тому

      Amber Dawn Brummit is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

  • @ConorONeil-
    @ConorONeil- 7 місяців тому +38

    I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.

    • @BrittanyDoris
      @BrittanyDoris 7 місяців тому

      @WilliamJames671Sure, investing is essential for maintaining your financial stability, but making any kind of legitimate investment without the correct advice of a professional can result in a significant loss as well.

    • @ChristineElliott-jw7cn
      @ChristineElliott-jw7cn 7 місяців тому

      It's really not easy trading this market. I read a lot of books, tried to study, watch some tutorial videos, did a little demo before funding my account and I still lost a lot. The financial market could be very tricky

    • @LanceMclendon
      @LanceMclendon 7 місяців тому

      @chrismorgan1054Trading under the guidance of a professional is the best strategy for beginners.

    • @TylerRylance
      @TylerRylance 7 місяців тому

      I also keep seeing lot's of people testifying about how they make money investing in Stock, Forex and Bitcoin and I wonder why I keep loosing. Can anyone help me out or at least advice me on what to do.

    • @johnwilliam8061
      @johnwilliam8061 7 місяців тому

      Please who is the professional guiding you? I have lost so much as a beginner Investing into stock and crypto without a proper guidance.

  • @adamtennant129
    @adamtennant129 7 місяців тому +56

    Hey... grew up poor, started investing in 2014 (august). 1000 euros, every month I also put in 100 euros extra. 3 years later I had 22k. I also studied some finance in my free time for a short while until I met my IA. I hit the million mark in 2019 with her help, and went over it some. Then due to a little bit of bad luck and a lot of bad decisions, I lost everything. So yes, you can become a millionaire by investing, however I also know I was pretty lucky to meet the right FA at the right time. What you said about getting addicted rung a bell with me. I didn't even know how much I was making at the time, and found out the numbers after I lost it all. Won't be that stupid again. Every day I try to save and invest, free time; invest, was on the market from the Nikkei open to the US close. Money can come quickly, but remember it can leave quickly as well. On my way to a million again.

    • @billcresta
      @billcresta 7 місяців тому

      impressive, love the journey

    • @adamtennant129
      @adamtennant129 7 місяців тому

      @@billcresta Thank you, it hasn't been easy but i put my head down and worked

    • @billcresta
      @billcresta 7 місяців тому

      @@adamtennant129 you're welcome i’ve actually been looking into advisors lately, the news i've been seeing in the market hasn’t been so encouraging. who’s the person guiding you that you talk so highly about?

    • @adamtennant129
      @adamtennant129 7 місяців тому

      The adviser i'm in touch with is ‘Emily Lois Parker’ she works with Merrill, Pierce, Smith incorporated. You can use someone else, for me her strategy works hence my result. i started with $22k which she quadrupled for me in less than 3 months. she's a millionaire maker

    • @billcresta
      @billcresta 7 місяців тому

      @@adamtennant129 Thanks for the tip. i just looked her up and went through her web, i'm impressed sir. I just sent her a mail there, looking forward to working with her

  • @Patriciabanks5
    @Patriciabanks5 6 місяців тому +112

    Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market

    • @MarkGrimm8
      @MarkGrimm8 6 місяців тому +4

      Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.

    • @ritalorrigan
      @ritalorrigan 6 місяців тому +3

      The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

    • @ScottArmstrong12
      @ScottArmstrong12 6 місяців тому +3

      Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with this person

    • @ritalorrigan
      @ritalorrigan 6 місяців тому +3

      My advisor is Natalie Lynn Fisk she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. You can check her out online. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market

    • @ScottArmstrong12
      @ScottArmstrong12 6 місяців тому +2

      I am going to look her up, I have about $81k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.

  • @RayPerkins01
    @RayPerkins01 7 місяців тому +27

    I have a friend who trained as a financial advisor. For the first year of his training, when with clients, he had to keep his mouth shut, listen and observe. His conclusion was the wealth creation wasn’t about how much you earn, it was all about what you spend. Poor people with big houses and expensive cars, rich people in small houses, driving small cars. Not caring what other people think about you helps a great deal by preventing you paying the status penalty .

    • @6figurespharma
      @6figurespharma 7 місяців тому +3

      yes some truth. but there's another level above rich called wealthy where you own and control cash flowing assets that has no penalty and you don't have to be rich.

  • @martincowie4520
    @martincowie4520 7 місяців тому +11

    10% year on year! BS!

  • @kalantor100
    @kalantor100 7 місяців тому +4

    Who gets a 10% return on their investment? In Germany it’s about an average of 5-7%. And that doesn’t even cover inflation.

  • @paullever9219
    @paullever9219 7 місяців тому +5

    I strongly disagree, inflation has increased prices around the world, income has not kept up… please prove me incorrect…

  • @adityapatnaik7078
    @adityapatnaik7078 7 місяців тому +6

    what to do when you are 70 and you have all the money?

  • @ChristopherDavies_
    @ChristopherDavies_ 7 місяців тому +41

    As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

    • @SarahTaylor_
      @SarahTaylor_ 7 місяців тому +1

      A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

    • @SarahTaylor_
      @SarahTaylor_ 7 місяців тому +1

      "Carol Pasol Lewis" . She has years of experience in the financial market, so you can easily look her up.

    • @JackAndrea.
      @JackAndrea. 7 місяців тому +1

      She appears to be a true authority in her profession. I looked her up online and found her website, which I browsed and went through to learn more about her credentials, academic background, and career. She owes me a fiduciary duty to act in my best interests. I set up an appointment to use her services.

    • @zombiewombb
      @zombiewombb 7 місяців тому +2

      Y’all bots are wildin

    • @tonyfernadez472
      @tonyfernadez472 7 місяців тому

      Ive bren investing in 2 ETF since 2012 SMH and XLK started with 3gs then 800 a month. Split 50 50 im very happy woth returns SMH 26 PERCENT ANNUALIZED LAST 10 YRS AND 24 PERCENT XLK

  • @paultravis3249
    @paultravis3249 7 місяців тому

    Thank you for sharing your summary

  • @ephraim_ug
    @ephraim_ug 7 місяців тому +8

    I really enjoy your videos and those books so much but just like you I have 2 concerns
    1. Most books concentrate on the American person, you find out that a lot can't be applied in a 3rd world country because policies are far far different. forexample if you apply the rich dad poor dad in my country, you'll die poor. This is something I've witnessed so atleast authors need to think outside USA because, we read a lot of their books but can't be applied.
    2. Most authors concentrate on better retirement but there's no guarantee that all of us will reach that age, why shouldn't we have a better life as we progress with life, like you said being entrepreneurs, business men or investors too.
    I liked so much the Who not How, it's a great savior, waiting for the art of seduction.

    • @TheTyrelMize
      @TheTyrelMize 7 місяців тому +1

      Am I wrong to believe that a person from any country in the world could create an llc here in the USA and deploy many of the strategies mentioned here?

    • @ephraim_ug
      @ephraim_ug 7 місяців тому +1

      @@TheTyrelMize No, you're not wrong. But then that's for someone who can to the USA whose population is below 10%, what about someone who can't even afford to pay for his passport, what does he do to be successful?

    • @TheTyrelMize
      @TheTyrelMize 7 місяців тому

      I meant without actually coming to the USA at all. You have an internet connection. Therefore, you can both work/invest in things in the 🇺🇸 from where you are. It might take some creativity/education but I'm sure it can be done.

  • @sansvirgin
    @sansvirgin 7 місяців тому +1

    It’s always interesting to me when I see videos or articles about how if you invest early and then don’t touch the money it will grow into some exorbitant amount. I actually did invest that money from age 20 and I’m now 41 and haven’t touched it except to roll it over to a new investment company and change allocations and that money hasn’t grown at all.

  • @lil.mushie
    @lil.mushie 7 місяців тому

    Thank you 😊

  • @riptideiii6723
    @riptideiii6723 7 місяців тому +1

    I always love your videos

  • @BillionaresFarm
    @BillionaresFarm 7 місяців тому +1

    Greetings, i love your videos they are interesting

  • @mullenio4200
    @mullenio4200 7 місяців тому +2

    I get this and of course, any money saved and invested rather than spent on non essentials is a plus. But the assumption that you can even make 5% these days seems optimistic. My returns over the past tumultuous few years are less than 3%.

  • @emantammam5500
    @emantammam5500 6 місяців тому +1

    Thank u❤

  • @charlottepeukert9095
    @charlottepeukert9095 7 місяців тому +2

    What do you consider the threshold for😂 being rich?
    You're not rich with 2,5 million dollars!
    You need at least 10 million dollars to consider yourself to be rich. Per person. Not per family.In 10 years your money will be worth less than half of what it's now.
    You're not getting a 10 % return.We tried this, not for securing our future, but for the college and university- fees. We got 0% interest- rate on a significant amount of money.
    You can't be sure of getting returns on your savings and even investing isn't that easy. The good returns on investments ( 10%) come if you invest at least 400 000 $.
    Your piggy- bank- style is not substainable. 😂

  • @lovelovelovehappyhappyhappy
    @lovelovelovehappyhappyhappy 7 місяців тому

    Thank you

  • @terranceroberts6259
    @terranceroberts6259 7 місяців тому +3

    Wish they would do a video on how they create these videos !

  • @dank2476
    @dank2476 7 місяців тому +2

    When young, invest not only money but in health which means doing some of form regular exercises for the rest of your life. Only then you can enjoy your accumulated wealth at 65.

  • @chino-wz5fb
    @chino-wz5fb 7 місяців тому +1

    Hey Elvin, I really enjoy your videos, and i wanna thank you for your hard work. Quick thought. Have you ever thought about writing a book?

  • @jesuserwinsuarez65
    @jesuserwinsuarez65 7 місяців тому

    Thank you ❤

  • @donarave
    @donarave 7 місяців тому

    ❤ ur videos

  • @maurashahar2967
    @maurashahar2967 7 місяців тому

    I wish you would have your “teaser” picture in your presentation! It summerizes wonderfully all the presentation and I could send it to my son to encourage him to watch the whole video!

  • @ajwilson6793
    @ajwilson6793 7 місяців тому

    I’m a new fan 👍🏼 Thank you

  • @shibashisdutta8042
    @shibashisdutta8042 Місяць тому

    Key point is 10% guarantee interest I need to earn for next 20 years.

  • @AOL68
    @AOL68 5 місяців тому

    I was broke 3 years ago but I invested in Dogecoin & Shiba Inu…
    3 years later I’m still broke 😅

  • @vladn4321
    @vladn4321 7 місяців тому +3

    If only I had 10% increase per year. The investments funds in my country are up to 4%. And the inflation is 10-20% per year, so yeah... investment is not working.

    • @mullenio4200
      @mullenio4200 7 місяців тому

      I agree. Right now investments don't really seem worth it as you can bank accounts in the UK with better interest rates and no chance to lose your money. But historically, that will change in years to come.

    • @TheTyrelMize
      @TheTyrelMize 7 місяців тому

      We live in a global economy. It is absolutely possible for you to invest anywhere in the world. It may take some creativity and new skills to beat the game, but it is always possible.

  • @scoots0077
    @scoots0077 7 місяців тому +5

    Yep, I’m 49, no time. I’ll take a grande Pumpkin Spice Latte please…

    • @ThePocketFox
      @ThePocketFox 7 місяців тому

      Ditto, I'll have a glass of wine instead! 😂

  • @muhammadwaqarulhassan
    @muhammadwaqarulhassan 7 місяців тому

    good video

  • @TwigYourMan-lr4ik
    @TwigYourMan-lr4ik 18 днів тому

    I love it

  • @bryce9684
    @bryce9684 7 місяців тому +1

    Where would I invest those small amount of money with 10% return?

  • @redhawks0526
    @redhawks0526 6 місяців тому +1

    I started investing in the stock market 2 years ago with just $20 a week, changed my weekly investment amount a few times, dropped a few extra checks in the market over time. I currently have a little over 12 grand worth of investments making I think close to $600 a year in dividends, and feeling more and more financially confident with every income check and dividend payment I get.

  • @tylerhenderson8975
    @tylerhenderson8975 7 місяців тому +1

    Bro who wants to invest that long to barely be able to walk with that much money. The average life expectancy is 75

  • @mikestravelshow
    @mikestravelshow 4 місяці тому

    £5 a day for 20 years would give you around £36k

  • @508outdoorcooking
    @508outdoorcooking 7 місяців тому +3

    I’m going to set a goal so big its unachievable the only way to do it is to grow into a new person and with your help I know I can do it

  • @MrGriff305
    @MrGriff305 7 місяців тому +1

    $5 a day is NOT gonna do it 🤣 How about save $50 a day minimum, and that'll take a very long time.

  • @ceasefire677
    @ceasefire677 5 місяців тому

    whats the best source of pasive income?

  • @jpna8223
    @jpna8223 6 місяців тому

    Hey, how are you able to consume a lot of books in a little time?

  • @elviswilliams3393
    @elviswilliams3393 7 місяців тому +3

    Great video, trading come with a lot of benefits And
    I have just bought my first house through it.
    As a beginner I was scared of loosing my savings but
    I’m glad I took the bold step that is now favoring me.

    • @Loisbrown228
      @Loisbrown228 7 місяців тому

      Congratulations.

    • @Loisbrown228
      @Loisbrown228 7 місяців тому

      I will love to be your friend dear as well.
      as sharing some ideas which you're benefiting.

    • @elviswilliams3393
      @elviswilliams3393 7 місяців тому

      Thank You but is not luck, is all about having good investment
      plans most of all trading with a trust worthy expert.
      Watching professional trading videos and most especially
      connecting with the right person the digital world is
      full of in unreal people I met some of them during
      my success journey. I felt same way when I started
      especially when you use demo account you might
      be winning but when you put in real money you start losing
      I understand and I pass through it all. I’m very happy I’m profitable now.

    • @elviswilliams3393
      @elviswilliams3393 7 місяців тому

      Currently i can attest to the fact that I
      make $15k weekly through trading
      which is more better then my monthly salary job.
      Trading becomes my passive income.

    • @elviswilliams3393
      @elviswilliams3393 7 місяців тому

      At first I was afraid too before I gave it a
      try and realized that fear kills dream more than failure.

  • @robertmaxa6631
    @robertmaxa6631 5 місяців тому

    What pays a true 10% daily return, consistently, not just on paper?

  • @LordJon0SRS
    @LordJon0SRS 6 місяців тому

    I am curious how old are you? I've always been curious on starting a UA-cam channel due to the fact I am in Finance...

  • @vejet
    @vejet 3 місяці тому

    0:38 Yup
    0:40 Yup

  • @kjaime7030
    @kjaime7030 7 місяців тому +1

    Well, NOW you tell me! This doesnt' work for me when I'm almost 60.

  • @SaintvilnordVilme-yo1mh
    @SaintvilnordVilme-yo1mh 5 місяців тому

    Yeah but I live in Haiti and I don't where I can invest so little at only nineteen years old. Could you help me out with that please !!!!

  • @zombiewombb
    @zombiewombb 7 місяців тому

    Mb for wearing glasses 💀

  • @rodgerpiercearchitect
    @rodgerpiercearchitect 7 місяців тому +2

    …10% yr!? Where?

    • @TheTyrelMize
      @TheTyrelMize 7 місяців тому

      10% yearly isn't that difficult to achieve.

  • @DeniSimba
    @DeniSimba 7 місяців тому +2

    Good luck making millions by saving on coffee 😂

  • @aishwaryasindhe3448
    @aishwaryasindhe3448 26 днів тому

    U took a story of 3 ppl invest.....but u didn't mention where they have invested.........
    Kindly specify from next time....

  • @RameshBaburbabu
    @RameshBaburbabu 7 місяців тому +1

    That is so funny .. `Err....another nonsense to give up my coffee !!!` ... When you said coffee.. I had the very same feeling to turn off the video and kill off the summary about to post ... Thanks though !! . Enjoyed your vedio with my coffee, literally !!

  • @Allittakesiswillpower8371
    @Allittakesiswillpower8371 7 місяців тому +1

    but the value of the money goes down every time.

  • @nickv1008
    @nickv1008 7 місяців тому

    I've been on the path, very low overhead, saving and investing. Inevitably something happens ( 4 times) my savings stolen, my investments devalued to pennies. My dollar now buys 4 cents. It is like shoveling quicksand, and my shovel keeps getting smaller...

    • @6figurespharma
      @6figurespharma 7 місяців тому

      yup. the book is out of touch with reality for sure. life doesn't happen on a straight line path.

    • @TheTyrelMize
      @TheTyrelMize 7 місяців тому

      What are you doing to improve your shovel? What skillsets have you gained for yourself in the last year?

  • @user-rx7gn9jy1t
    @user-rx7gn9jy1t 7 місяців тому

    1

  • @hansmuller5165
    @hansmuller5165 7 місяців тому +1

    I don’t really want to be a millionaire in 40 years…

  • @user-wg6im5th7r
    @user-wg6im5th7r 7 місяців тому

    Reality check most people un aware of any 10% return but work with banks with only .5 to 3% return before taxes..fyi

    • @TheTyrelMize
      @TheTyrelMize 7 місяців тому

      If you have the right skills, 10% is small change compared to the return you should be able to get.

  • @elnidogaming
    @elnidogaming 7 місяців тому

    2

  • @1BrownByNature
    @1BrownByNature 7 місяців тому

    🗣️🗣️🗣️🗣️

  • @heavenbound7
    @heavenbound7 7 місяців тому

    1 Timothy 6:10
    KJV Bible
    For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.
    Philippians 4:11
    KJV Bible
    Not that I speak in respect of want: for I have learned, in whatsoever state I am, therewith to be content.

  • @mutasimeltayeb
    @mutasimeltayeb 7 місяців тому +1

    I really enjoy your videos but I don’t know you are fund of the idea of being rich by the age of 65

  • @GuerreroEterno
    @GuerreroEterno 7 місяців тому

    The secret was already told.

  • @Teo_a91
    @Teo_a91 7 місяців тому +2

    The content is about being millionaire just before you die, this is exactly what prison mindset is about . Go take some risks and make businesses not saving and work yours ass off, that’s how you get your million in 10 years.

  • @donaldlyons17
    @donaldlyons17 7 місяців тому +1

    Well no even saving $5 a day that would only equal 1,600 a year!!! Dude Health Insurance cost more than that and for about 5 years it is not serious cash. Now if you say save $20 a day we have a very different story but again your not saying that I suscept for reasons.

    • @junialouis3703
      @junialouis3703 6 місяців тому +1

      It is very rare that you'll receive a 10% annual return every single year. Without any returns, saving $5 a day, you'll save you a total of $1825 for the year. Let's be realistic to start off with.

    • @donaldlyons17
      @donaldlyons17 6 місяців тому

      @@junialouis3703 Yeah I noticed that because my broke roommates had difficulty ever pay $135 to $200 a month each despite missing some entire months each year!!!! So if they can not pay how can people save just a few dollars per day expect to ever be millionaires in their lifetimes!!!

  • @checomonjaraz
    @checomonjaraz 7 місяців тому

    12:17 Nah I do lol

  • @Diane-hk3gd
    @Diane-hk3gd 4 місяці тому

    is this a joke or what? Although I agree it is good to save money but become a millionaire ! LOL! First of all you have to purchase real estate 401 k is good and also invest in stock market and good luck in purchasing the right stock, it can be risky!! I have made some good investments and am major comfortable so you can figure that out! We need statistics on some real data of people doing these suggestions and becoming a millionaire ! I am an Engineer by the way good income helps! Ask Bill Gates!😊😊

  • @Meyri2010
    @Meyri2010 7 місяців тому

    Hmm the math doesn’t math

  • @MoichiAnaiNin
    @MoichiAnaiNin 7 місяців тому

    How to get rich young: Use the knowledge you gained to teach and help your kids to get rich young.
    At 40 I'm not what everyone would consider young (depending on your age and perception of youth), but my kids are extremely young. So if I can teach them these principles and show by example how to apply them, then they might be rich while they are young and I made it might be better off financially in the near future.

  • @EytianoStylez
    @EytianoStylez 7 днів тому

    it is the " what kind of nonsense the author is going to talk about" for me lol....