Welcome to the Excel Stillmore podcast. I am your host Chris Emerson. It is my great pleasure today to announce to you a new and additional sponsor for our program.

Tyler Kane is a friend of mine and a brother in Christ, and he is a senior loan officer for Fairway Independent Mortgage.

Tyler and his team have extensive knowledge of the mortgage industry,

and their dedication has made them a trusted partner for many wonderful families.

Whether you're a first-time home buyer or looking to refinance

or talk about future home ownership goals,

Tyler and his team are here to guide you every step of the way.

We've included a link to their website in the show notes, or you can reach Tyler directly at

813-380-8487. Thank you so much for listening today. Let's get started.

Hey, welcome back today. So I would love to open by telling you that I am next level excited about this topic and

can't wait to share it with you.

And all of that would be true, but there's a little something else going on with this today.

It wasn't as much a recent discovery that got me excited to try things and tell you about them.

It was more like a recent realization that

kind of took my legs out from under me. Have you ever felt that you're reading something or

thinking through something? And all of a sudden it just connects with your life or your struggles

and takes you to your knees. Well, that's probably the best way to describe things today.

And that's why I didn't

just run up here and record it out of excitement. I've actually taken a couple of days to try to

figure out, all right, what exactly is this going to mean for my life? Do I understand that there are

costs associated with this? And is this truth so profound and accurate that I am ready to pay those costs for its sake?

I believe the answer is yes for me and maybe for you also. So here's a little setup for where we're

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