Hey there, James Mayer. Uh, quick, quick thought for you tonight. Um, recently got an email from a client's son who had recently bought a car and he's doing pretty well in his life. He's saving, and he's asked me some financial questions in the past, and this was a pretty interesting conversation. He has a 9% loan on the car, and he was able to find a, uh, lesser-known bank that would give him a 6.5% loan. And the math made sense to him, and he had some questions.

Now, instead of just quickly responding, I got him on the phone, and I asked him what his plans were with this car and the, I asked him what his questions were with this car, and it turns out he's in such a good cashflow position that he's going to pay the car off in nine months. And as we walked through, the savings he would have on this, uh, refinance possibly, we determined it, it really didn't make sense. One of the things I love about working with our clients and the kids of our clients is that when they have these situations, they can give us a call, we can talk through it, and we can come up with a pretty decent solution.

So, just wanted to share. Have a great week.