Capitalist Investor

"Get off my lawn", Tariffs and DOGE, Ep. 308

• Strategic Wealth Partners

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In this week's episode of The Capitalist Investor, the hosts Diamond Hands D, Cool Hand Luke, and Tony the Tiger delved into a plethora of topics that have significant implications for the economy, politics, and society. Here, we summarize the five hot topics discussed in the episode:

  1. Sovereign Wealth Fund
    The episode opened with a debate on the creation of a sovereign wealth fund. Hosted by nations typically with fiscal surpluses and vast natural resources, the U.S.'s idea of establishing such a fund was met with skepticism. Luke argued that utilizing taxpayers' money for this purpose while in a deficit isn't prudent, likening it to a new form of government overreach.
  2. Government Spending Cuts: The Doge Department
    The discussion segued into the controversial cuts in government spending, specifically targeting the U.S. Agency for International Development. The "Doge Department," a playful term for these government reductions, was slashed under Elon Musk's directive, stirring political backlash. The hosts discussed the implications, questioning the necessity of some of these international expenses and pointing out the potential for fraud in such enterprises.
  3. Tariffs and Trade Tensions
    Addressing the brief trade war with Mexico and Canada, the discussion highlighted President Trump's approach to leverage in negotiations. Tony emphasized the role of tariffs in compelling these nations to address issues such as the fentanyl trade, with both countries responding swiftly to the pressures applied by the U.S.
  4. Interest Rates and Inflation
    While discussing the broader economic implications, Luke pinpointed the connection between government spending, inflation, and interest rates. He advocated for reduced government size and balanced budgets, explaining how this could lead to lower interest rates and create a more stable economic environment for middle-class America.
  5. Political Dynamics and Elon Musk as a Government Official
    The dynamic nature of political narrative was examined, especially concerning the critique of billionaires like Elon Musk. The episode underscored the differing perceptions of wealth and governmental influence, with Musk positioned as a significant disruptor—a point of contention within political circles, given his influence and recent cuts in government spending.

The episode effectively captured the complex interplay of economic policy, political dynamics, and individual influence. By examining these hot topics, "The Capitalist Investor" continues to provide in-depth analysis and lively debate on the pressing issues of today.

Hello, and welcome to this week's episode of the Capitalist Investor. As always, you have me, Diamond Hands D. And we got the whole crew here. Cool Hand Luke, Tony the Tiger. What's going on, guys? Sup, my peeps coming. Coming at us like that. Oh, man. Just so much going on. So much. You know what? It's kind of like there's so much going on, but not really. It's been. It's actually been a kind of quiet week. Okay, Is that your hot take? Yeah. Yeah. All right. And we're done here. All right. What are we talking about today? Well, yeah, I'd say a lot of topics kind of spilled over from last week and maybe the beginning of the year, but, yeah, definitely. Definitely a lot going on out there. So one of the most controversial things, I think we'll talk about, up top, the sovereign wealth fund. Let's kind of talk about exactly what that is, and then we'll talk tariffs. You know, we had the trade war, you know, last about 4.4hours on Tuesday, I think it was, with Mexico and Canada. So we'll talk about that, and then we'll do a little canceled. Little. Little Elon Musk bringing it back. Elon Musk gonna get canceled and the Doge get canceled. I think we could just start a whole Doge segment every week because he's. He's turning over rocks and upsetting a bunch of career politicians. Yep. That's beautiful. That's a very nice way to say it. So, yeah, I was leaving the house this morning. I guess my wife saw the. Like, the newsletter and refer to me as diamond hands. D. So I had to explain to her this morning exactly what that was. I don't. I don't think she got it. Explain this, Explain this. But you don't wear diamonds. But you don't wear diamonds. That's the whole thing. That's funny. Are you getting, like, a chain made. One of those Cuban links? I would look sweet in those. All right, so sovereign wealth fund. I know, I know. Luke, you. You wanted to. You had a few hot takes on this one, so why don't you take it up. Up top and we'll. We'll fill. I mean, okay, I guess to base. Everyone, I assume, knows for the most part what, like, a sovereign wealth fund is. Essentially, it's like the. It's a government investment fund. It's like if you went to us and say, hey, I want to invest my money with you guys. Like, we invest, obviously, your money. The way our strategy works, government is now hiring. Not hiring. But like, has Scott Besson all these like good hedge fund managers and traders, like, they're basically creating their fun of our own tax dollars and going ahead and buying. They're opening a brokerage Schwab. Exactly. Or, you know, buying other countries assets. Kind of like Saudi Arabia buys a lot of US and oil things. Right. So since, since the, since the government doesn't have a traditional ira, do you think they'll be doing backdoor Roth? So it just. This is kind of ridiculous in my opinion. Like, so this is my hot take. Like, everyone's like, oh, well, at least it's not like they're not spending our tax dollars, they're investing our tax dollars. But we're still like, even with the Doge department, like, we'll still be at a deficit, most likely. So like we're creating this fund using tax dollars. Yeah. We can use that to buy maybe inflating assets to actually give some value to the American people. But essentially this is another way for the government to get invol the Doge department and everything else that they're doing is, you know, basically decreasing the size of the government. I saw a Babylon B post that said that Trump was the first fascist president or first fascist to ever reduce the size of the government. I love that post. Like, it made the liberals so upset because, you know, obviously fascists don't reduce the size of the government, but everything they're doing is trying to reduce the size. But this thing's kind of like increasing because if they buy control in entities, they buy control in companies. That means they actually have an ownership stake with our tax dollars. The government has a stake in companies, and that's socialism. I mean, that already is happening with the Federal Reserve. We don't need two entities, the Federal Reserve and the federal government buying up asset prices. Well, I mean, like, they talked about buying Bitcoin and they talked about like. And then they. And same thing like you said, Luke, like, what are they gonna buy? Right. You know, they're gonna buy into. So as you, you know, kind of start reading into the sovereign wealth fund, it's generally meant for smaller nations with vast natural resources. We have those. But also have a fiscal surplus to deploy. Right. We don't have that. So they're going to, yes, take our tax dollars and invest it into whatever the hell they're going to invest in. It doesn't sound like. It doesn't sound like a good idea. Just stick with like, if you're going to reduce the size of the government, do it. Don't don't reduce it and then also increase it on one other end as well. Well then all of a sudden you see like headlines that they're gonna, you know, Tick Tock will be bought. Like, when the hell is the government gonna do with Tick Tock except pump out pop propaganda? Yeah. I don't know. What do you. I mean, I mean, I'm sure it makes money, blah, blah, blah. But like, what if they just turn into bad traders? They just lose money. That's the other side. Right? That is the other. I thought about that. I'm like, what if it like crashes by half? Half. You know, they put a trillion dollars in this and then a half a billion's gone. Yeah. Because of bad investments. That's our money. Yeah, our money. Again, I'm a private market person. Like, you know, reduce the size of the government, go back to a surplus and then we can have the conversation around it like this. Just not. Not the time to do it. The theory is, like you said, this is a way for him to maybe get involved in Bitcoin. Like, this is, I think outside the Federal Reserve. This might be a way for him just to support. Supported that, that, that would make sense. If he wants to make a digital, you know, reserve. That's what this would be. If you start putting like real estate and buying interests and Apple and stuff like, that's where I'm. It's just another way to keep the Ponzi scheme going. Like if something, another bailouts. Like if, let's say they have you said $500 billion in cash on the sidelines because it's in the fund but not deployed. Well, then you have a market downturn. Like, you know, see the big Mag 7 selling off. Like, oh, we'll just. Instead of making everyone upset because the Mag 7 selling off, that's what's inflating the S&P 500. Let's just go in there, step in and buy up a lot of this. Like as like an individual investor would. Like. It's just another backstop that we don't need because we, we need the free markets to work efficiently or if they don't, they crash in the end. Right. So, yeah, that's it sounds inflationary. Do we know is this officially for the Bitcoin strategic reserve? Again, just an executive order. We're going to do this with. There. There's no clarity. So. No, we will find out. But I'm. I don't know, it's just, it seems very odd. So. Yeah, it's just another. It's the last thing that you guys haven't already said. It just opens things up for fraud. Yeah. You know, there, there's been many instances where something like this, you know, became, you know, a source of money that people just stole from the, the government officials just stole from. We'll get to that when we talk about Doge. But let's get into tariffs. Yep. So the, everyone, the best memes on Twitter right now are like, I survived the 24 hour trade war with Canada and Mexico. So here's my take, man. So everyone again, some of my outlandish friends on, on, on Facebook that, that vote a particular way are going crazy. They're like, he buckled. That was terrible. Like, he, you know, man, he buckled under the pressure. Be like, no. And from my perspective, he gave every, he gave both parties 30 days to course. Correct. And Trump said it in his presidential, you know, you know, before the presidency and his, his campaign, yes, we want to get our fair share. But he said that one of my main reasons is I want a, I want help stopping the drug trade in the United States. Fentanyl is coming over the borders from both ends and we're not getting any help from this. That, and that's what he said. And immediately both Mexico and Canada came to the table with 10,000 troops. And I love the 30 day notice. Like, hey, if cool you say you're going to get 10,000 people out here, let's see if they actually do something. I love it like I, it's not meant for money. In my, this was not meant for money. This was meant for, you know, keeping his promise on the drug trade. In my opinion, I wasn't feeling the greatest Monday. And I was sitting at home while this was happening, watching Fox Business and Fox News. And it was just such a volatile ride of emotions. It's like you heard one thing at 9am, 10am new news came out. Departments of government said one thing, like it was just interesting to observe like how quickly information was changing, how quickly responses from government was happening. That's my take is like it takes, it took, feels like it took years for one little idea to happen when it came to the Biden administration. Now you have the Trump administration coming in and it's like hours. Things are getting done in minutes and hours. Yes. Well, he's like, tomorrow, where I'm slapping on the, you know, it's Monday, Monday, Monday the third, we're going to slap on some tariffs because this is how big, guess what, the phone starts ringing on Sunday night. Yeah, this is how Business works. Like, this is why you need a business person in office that gets stuff done because they know how to negotiate. They're like, you have to threaten. You have to understand that you have to have something over somebody to negotiate in some sort of way. I think he sits. You know, I would imagine Trump literally answers and listens to no one. He just does it where a political person who's not a business person is going to start hearing the chirping, hey, don't do that. You know, this is going to mess up this and this and this and this. And he don't care. You can tell. He just does it. He's not listening to anybody. Except maybe Elon. Yeah, right. But, but Elon's here trying, you know, out there with the, you know, the biggest sword in the room, chopping, chopping wood, man. It's crazy. So, yeah, it's. It's not like anything we've ever seen in, in our lifetime, honestly. It's when you look at. And you know, obviously there's going to be a wide range of opinions on deportations and all of that stuff. But you saw it, you know, it was about, I might have been last weekend, where they flew a plane of illegals back to. Was it El Salvador? El Salvador, somewhere. Somewhere down there. And basically I saw a post, you know, the plane was denied, sent back within hours. Trump was posting about a 25% tariff on his social media page. And, you know, a couple hours after that they sent the plane to go. Exactly. And I saw an article basically, like, what would have traditionally happened, you know, as a response to. That would have taken months. Yeah, just months. And he, and he got it done in hours. This is called using leverage. Like, we have leverage almost every. Over almost every nation. And the fact that we think we can just be peaceful and nice to people like those. Taylor Riggs. I was watching Money show yesterday. Taylor Riggs said it really well on the big Money show. Just something along the lines of like, we, like, we as Republicans, conservatives, whoever you want to call us, like, we believe that people, we want to be nice. Like, we want this world to be nice and peaceful and things like that. But at the end of the day, we have not taken care of ourselves for so long that we've let our values that got us here go away or we've let, you know, we can't be peaceful anymore. We can't be nice anymore because we have to go back to taking care of our own. We have to take care of the people on the streets that, you know, don't have any, you know, mental health issues that, that, that don't, don't have a home, that are homeless, that don't have food. Like we have to take care of our own in that kind of way. Or when it comes to us as middle class America, take care of our middle class here. Because if we don't and we keep on letting these other nations get away with the things they're doing, they're going to be the future Americas. Yeah, yeah. It's like the U.N. right? And no one's putting in enough what they said they were going to as a percent of their gdp and the US just covers the rest. Like I don't understand, you know, why, why some people think that that's like a virtuous thing to do. We, we can cover the rest and then it's not even audited. Exactly. That's even the worst part. So, Mark Tepper here from SWP Investment Management. It's time to elevate your portfolio with the SWP Growth and Income etf, a diversified basket of high quality growth companies that pay dividends. SWP stands out from the pack because total returns matter. Don't just Invest. Thrive with SWP. Visit investswp.com for more information. Disclosures apply. Getting into that, let's, let's move into the Doge. Man, there is some crazy things going on right now. Yep. The, the most, the, the thing that rattled the most feathers is what they do. They basically stop the funding of the, the US aid, you know, like one branch. And it's not even a, it's a $40 billion branch. To put that in perspective, I think like the Pentagon's a trillion dollars, you know, but a billion dollars, a lot of money. And they employ about 10,000 employees. And Elon came in and said this thing is just a big waste of money. Right. And shut it, shut it down. And then you have a lot of Democratic senators and politicians coming out and saying this is on American and lock him up. I don't even know what he really did, you know, did he shoot somebody? Lock him up for, for reducing spending. That's what I'm saying. It's insane. And, but this, but this entity, this USAID, I mean we were sending$2.5 million to Serbia for DEI training. 70k for an Irish musical. That was DEI 47. I'd like to go to that one.$47,000 for a trans opera in Colombia,$32 for a trans comic book in Peru. Like this is us spreading our propaganda is what it sounds like, yeah, I don't know, it just. I don't know what, I don't know. I don't know anything about the usa, but man, there's some pissed off people in Washington right now. What are they trying to accomplish? What are just what. Not the doge. What is, what are the left wing politicians trying to accomplish by getting mad at this? Are they just trying to cater. Are they trying to bank on the average person who voted for Trump a huge red wave and, you know, are they trying to act like we're all dumb and that we don't understand that this is actually good for the long term America, that this needs to be done? This has been getting, they've been getting away with this for so long. These changes need to happen quickly. Like, are they just banking on that we're dumb? We, we just, you know, hate billionaires because they're billionaires. That's, that's all they have is saying Elon's a bad guy because he's a billionaire, he's an oligarch that's going to take over because all billionaires do is control and think about themselves. Like, that's all they're running on right now. They are so, like, scared. I think Democrats are scared because they don't have any base anymore. They don't have anything to run on. If you, if you go into the rabbit holes on Twitter and you start reading about this US Aid, you know, a lot of people are saying that it was. A lot of the money was funneled into nonprofits and nonprofits then kick back the money for PACs and an election. Yeah, things like, again, man, I can't sit there and spend an entire day and do my own analysis, you know, do my own audit of this. I, yeah, I have to go off of what is being, you know, sent propaganda to us through whatever means. I try and read some, you know, left and right type of articles. I try not to stay on the right side, but. But I saw another great tweet. It's like, hey, the same people who were excited to hire 87,000 IRS agents are really worried about Doge because of their audience. So. So, yeah, that's the thing is the only conclusion I can come to is like the Pelosi's and Warren's of the world. Like, you know, they're so upset because they're worried about their own successful financial future. Like, the most Democrats run on the thing that, you know, I'm on your team and we have to get mad at everybody else. That isn't on our team or the rich or whatever it be. And all they're doing, they're actually the most selfish people in the world. All they care, all the reason they're saying that is because they do believe you're dumb enough to vote for them. To keep them and keep them in power. Yeah, long enough and hard enough. Like they might think there's a fire. Yep. Right. Like, oh my God, they are. They're ruining government. They're taking power away from you. I'm like, What? And there's 65, 70. There's 70, 65, 70 million people that believe that. That's what Warren came out and said. She goes, he is taking power away from you. The people be like, whoever even heard of the US 8 fund or whatever? You know, whoever heard of that? Not many people. Let me just put it that way. Right. And again, like another part of Doge was, you know, Derek, I sent you this and I sent it to you, Luke. But like US payments that are being audited right now, $600 million was spent on sushi for the Pentagon. That's about what I spent on sushi. I would, you know, I understand that it's delicious. Right? And then$230,000 a month. So roughly $3 million a year on coffee for the IRS. Well, let's put this. So I did the math on this, cuz they're like, holy cow, those are large numbers. So put this. So like sushi. I did the numbers. I'm sorry, I had to. I'm like, 600 billion is a big ass number. What does that break down to? 27,000 people work at the Pentagon. We take that and now we have $600 million was spent on those people there. All right, that means $22,000 per year is spent for every person in the Pentagon for sushi. Right. Like, I mean, and if you break that down for everyone, every day is eating $90 worth of sushi every day. So I think I used like 250 days of working days or something like that. And even, let's just say they had guests. You know, it's not just them eating there. Like, hey, maybe there's somebody from the, the White House coming and we're going to roll out the red carpet with some, some sushi for them too. All they do is eat sushi. Yeah. And we double the number we get. 30,000 people have visited and came to the Pentagon and ate sushi. Still $45 per day per person. And they're not eating anything else. They're not going to mix in any veggies or burgers or even anything to drink. That's what blew my mind, dude. All right, and then the coffee thing. All right, so there's 100,000 people that work for the IRS. 92% of them work from home or not in an office. That means 8,000 do. Let's assume they're balling out and getting a K cup from Starbucks, 50 cents apiece. Okay. That breaks down to roughly four cups of coffee per day per person every day. That doesn't seem too bad. But I don't even. I might drink four cups of coffee a month here at work. I get my coffee to come to work, and that's it. I'll just drink water the rest of the day. I know some people like to. Will drink 4 to 8 cups of coffee here in our office. But I won't name any names. But. And I understand that. So I'm like, there's some people that just don't. Might not drink it. Right. So that's the number when you only use the 8% that. That are in the office. I assume that people at home aren't drinking the coffee unless they're stealing K cups and taking them home with them. Probably are. They could be. They could be like, hey, I'm going to take this box of. Anyone watching. I'm going to take this box of K cups. I don't know. But still, no one cares at the top because it's not their business that they're stealing from. You know, no one actually cares if you're a manager of the government or whatever, be of employees. Why would you care? Yeah, that's not your life. That's the exact problem. Yeah. But it's fun doing a math, though. Oh, that's. That's awesome. Cool information. You just literally, like, hacked in. $45. Everyone's eating sushi every day at the Pentagon and they're spending$45 a roll. I want to end, or at least I want to, like, end my part on, why is this matter. Why is the Doge department so important? Why am I so excited about kind of what's going on outside? Maybe the sovereign wealth fund and stuff like that. Well, because if you have less government spending and you. You balance the budget, you have a surplus, you lower interest rates. Inherently, you lower interest rates. So we're all able to now go buy a mortgage and house again at a reasonable price. We're able to go buy a car, you know, finance it at whatever 0% like we were used to for a while. Like we can go ahead and do all this fun stuff at a much cheaper, lower price and live our lives. We can also reduce inflation inherently as well. We can have a long term sustainable inflation rate. So all these people that are like complaining that they're doing away with these government benefits, that they're doing away with our benefits and things like that, tell me one. A lot of these people don't understand, like they don't get any benefits at all from all these different departments of the government or all these, you know, they don't see it day by day, but they do see inflation, they do see interest rates. So they're inherently paying double tax. Not only is the government spending our money, tax dollars, but they're also getting the inflation tax, the interest rate tax, all that stuff like triple tax. Really, they don't understand that all this stuff is great for the long term pocketbooks of America. And at the end of the day, the number one topic that Americans care about is their pocketbooks. So really the people that are screaming so loud about these things are probably the most people being affected the most. No, probably, actually the people screaming about it are the people that have the benefits in the luxuries that a lot of people in middle class America don't have. The last people I know on the Liberal party have been born into the most amount of success. That's all I'm saying. Liberals, I know, they're, they, they have the richest parents. Look at, look, look at, look at Will Smith's son at the crown. He's wearing a house on his head. Like, yeah, that's case in point. But this is what I kind of said in the beginning. I'm like, where does the, where does it actually, where does the roadblock actually hit? And it's starting to be talked about. How much government clearance does Elon really have? When does his, when does his, when does he get too deep where they're like, you can't, you can't read that file. You can't look at, you can't look in that, that folder. Yeah, right. Like there's gonna. Because he's not an elected official. Right. So where does it, where does it really stop? You know, like it's cool to bring all this shit up, but it's another thing to make it stop or, or make a change. Right? But I think aoc, one of the best things she was going off and basically on Elon Musk and how dumb he is. Dumbest, dumbest millionaire ever. And the caption was like, have you ever heard a bartender tell A billionaire. He's an idiot. And that's not a thing. Like, I just don't understand how you can get on that side. I mean, the guy's catching rockets out. Of the air, plucking them right out of the sky, man. Like, like crazy. Six months ago he had, you know, autonomous cars. He. And if you don't like Elon Musk, you're probably a liberal. He's done by far the most for the environment with electric cars. If, if you believe that he. Well, he was. He. From my, you know, my perception is that he was the liberals golden boy. He was every, I would say more Democratic type of liberal person, owned EVs over the right side. I would like to see like eight. That's just again, because it started in California. Everyone's driving a Tesla. There's like three Teslas in Ohio for the longest time. Yeah, right. I would like to see like interviews from like 8 to 10 years ago from like AOC or whatever it be talking. And there has to be interviews out there praising Elon Musk. And then once it, once it goes against your side and you know, it's. It's political game is such a dirty, horrible game. Yeah. Selling the soul of the devil must. Really stink, you know. And you see like. And so this is again, another. Twitter is a great thing, man. I think it was Bernie Sanders came out and said Elon Musk contributed$223 million to Trump's whatever. And since, you know, to his campaign and since he became president, he made 1.3 billion. His net worth went up $1.3 billion. Yeah. All right. I mean, you always see the other things on Twitter, like, how do you, how do you become a multimillionaire? Being an election official where your, your salary's$225,000 and yet you're worth$100 million. How in the hell did that happen? Does no one care about that? No, they don't. Move on. Chuck Schumer's never had a real job. There's only two ways you inherit that money. So again, you're. You could. You're born rich. Like I said. That's. Most liberals I know are kind of like that. Or you do some corrupt stuff. Yeah. What's AOC is not worth now? It was zero when she started. I know a bunch of people that made 150 grand for 40 years that retire comfortably on two to three million dollars. Exactly. You don't have $100 million. If you take 150 grand for 30.$100 million is a lot of money. Politicians make what, 200 grand? Like that's now in today's like 200 grand. So he probably made 40 years ago 80 grand, 70 grand. Yeah. So probably average out to be $150,000 in inflation adjusted terms. Like there's no way you have a hundred million dollars on a six figure income on 100 to $200,000 income. Someone just texted me this. Pelosi's purchased call Options on Tempest AI. What? A few days ago, it's up 118, up another 10 today. I had a client asked me to buy that actually for them. That was one stock, really home run stock. So that's good call. What was that? What was the Tempest AI? They like do something in the AI and healthcare. I don't know. Anyway, so yeah, I wouldn't buy when. It'S up 200 or whatever it be. When you're obviously corrupt like that. I don't understand how you come back and say Elon Musk is trying to steal your money as he's like posting in real time, like all of the ridiculous stuff that the money's getting spent on. Like, I don't understand how liberals can't put that together and say, hey, well, if they're wasting money on sushi and, and coffee and we have people sleeping on the street, like, shouldn't that money go to them? You know, like, I don't understand how they can just never make that connection. It's wild. It really is. But they're going so fast and so hard. They're. They don't, I don't think they even know what to do, quite honestly. This is what needs to happen because this isn't happening. My whole lifetime, I've never seen a presidency move this quickly to change things because they, because they can. Most of the time, presidents sit back and they don't want to maybe change too much because they feel like it's gonna backfire in some sort of way. Right now they don't care. And that's really actually a good thing. Yeah, yeah. I mean, again, flipping around on Twitter and they're just like the sec, the press secretary comes down and Elon is a special government employee. And Elon's like, yep, I'm right in the short bus to work. What is going on? Too much. Wild times. All right, I digress. But the, the Doge thing, I feel like that's our new segment. It used to be canceled Doge segment. The Doge segment. What did they, what did they find this? What did they find this one week. We'll see. We'll see how that goes. But I'll tell you what, man, the tariffs, I, it's not, I don't, I believe. It's not about making money. President Trump during his campaign said, like, I want to, like, slow down and stop the, the fentanyl coming into this country because it's, it's killing us. And it's coming from, from China and it's distributed to Canada and Mexico and then comes over the border. Yep. So let's see if that works. They got 30 days to course correct or. Yeah. And make an impact. And we'll go from there. So. All right, guys. All right. Well, good show this week. If you guys have any questions, comments, show ideas, hit us up@infowpconnect.com and we'll talk to you next week. It the opinions expressed in the podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any investment, legal, financial or tax strategy. It is only intended to provide education about the financial industry. Please consult a qualified professional about your individual needs.