Let me talk to you a little bit about financial wellness. Financial wellness isn't just about having lots of money or having all the investment advice put into a shell and being able to listen to it like you can with a shell from the ocean. Let me tell you what Pablo Picasso said when he talked about financial wellness. Pablo Picasso said "that he'd like to live like a poor man that had lots of money." What did he mean? He meant that he would like to be comfortable, but he didn't want to have it so built up that he was all about money or that he was all about possessions. Or all about what money can do. Sometimes its just best to think through, do I really need this? Is the want worth, what it is going to require? That's some simple advice. But at the end of the day, it works. Before you make that next purchase think, is this really going to better my life?