First time I've seen a TH-cam video with the intro done by the guest 🥴.. that's how you know you've found the best. When the student is ready - the master will appear 🥷🏾💪🏾💯
Hi guys, please address when these 100+ year old mutual companies change their models to stock models. As you know, this has happened with major AAA and AA carriers in recent-ish years - very much to the detriment of those traditional whole life holders. Your plan works if the company stays mutual, but policyholders get kicked in the shins when they don't. Now they have rigid premiums, and no respite from divs in many cases. Devil's advocate alternative is the VUL which will allow for the escape hatch for nimble premiums and at least allows you to control the levers of portfolio design and funding amounts as they see fit for the given environment. There are riders to include to allow for immediate cash value to accrue if needed. Like many things, creating a protection portfolio of BOTH designs would be ideal. Both brings pros and cons to the table, but there's no golden egg. I appreciate this discussion - its a really good one. Keep it going guys.
bottom line is these two guys combined have a lot more understanding than most of us riding on here. that's why you're on here. listening and not out there setting these policies up for people. stay on here for a while. learn what you can and be thankful that you learn who cares about who interrupted who. dumbasses making that comment sound like cry babies watching a boxing match and the boxing match is a greatest fight ever and it's an even match and then complain that they heard the ref blow a whistle like shut up and learn. that's all you can get. every time they open their mouth. it was knowledge straight knowledge. that's it. keep it up guys. keep up the great work. I'm a fan of both of you. you've helped me immensely. do great work for my clients as well as Chris Kirkpatrick. it's enhanced my life insurance career immensely!! and I have everyone's book and have read them. I'm on my second read except the and asset. I'll be honest that's my next one. haven't done that. I'll do it on the plane this weekend lol
I like the Control Cost chart at 52:53 but two things not taken into consideration are inflation and velocity. Outstanding loan to invest acts as a hedge against inflation and reduces the breakeven return requirement on the investment - especially these days, there is an inflation arbitrage. Leverage obviously cuts both ways, but considering inflationary hedge allows for assuming a lower risk investment since breakeven rate becomes a lower #. As for velocity, having outstanding loan balance allows for a productive place for incoming cash to be swept… resulting in lower daily balance of loan and therefore increased ROI with the lowering denominator
Hi thanks for making this video! Ive been looping on the life insurance thing for a while now. My question is, is there a system/calculator to compare/analyze policies? One in which I can play with the numbers and find what could work for me.
I’m in the same boat as you. I converted a term policy a couple of months ago to an early cash value policy. It was scary because my agent had to be schooled on how to design it. Luckily it’s with Northwestern and he was able To get the base low enough for me to be able to accumulate early cash value. I would have gone with Guardian if I didn’t need to convert the existing Term policy to stay out of medical underwriting.
@@BetterWealthI looked at your calculator and I don’t think that’s what me or Logan are asking. I would like to be able to do my own illustrations but I suppose I would need to have acces to the software of a particular company…..or become a life insurance salesman.
I like the comparison chart of the different accounts and their characteristics. I would change the following about it: -Separate 401K and IRA, because technically a 401K would have some leveragability and is somewhat accessible through 401K loans. This could especially be utilized by a solopreneur who rolls an old 401K or IRA into a soloK and borrows 50% to capitalize on other opportunities. In this case, I would color code this as orange for the 401K. -I would say that Roth IRA is orange on the Easily Accessible category, only because you can withdraw principal and can utilize the 5 year rule for limited eligible distributions. Otherwise, this chart is a powerful way to show the versality of whole life!
How is an IUL boasting a tasty interest rate throughout that policy's life different than illustrating current dividend rate on aDPWL contract throughout that contract's life?
I was talking to a chat box in a life insurance website ME: So, in the calculator I have put $30 Mil as the coverage amount for 20 years and the yearly comes to around $11k So would you mean that this is the most expensive ever? avatar Mike 01:30 That is a pretty high amount for insurance, some companies will not do that. But some will! If there is too much cash value in any one policy the government considers it an investment tool and you lose your tax benefits. They call it a Modified Endowment Contract, or MEC Could this be a problem like Mike told me?
I love that you briefly mentioned credit cards and points, once i get my channel up and to a decent following I’ll reach out as there are some interesting parallels between “and” asset and the points and miles game with credit cards
I just learned something new watching this video. The point about avoiding an a life insurance company that also does P&C and the part about the renewable term costs being more expensive in a IUL.
@@vangustia are we assuming in a whole life we keep an increasing term for the life of the policy? Or do we eventually cut off the term costs in whole life? If you cut the term in a whole life then you can show the term being cheaper than a term on an IUL for the life of the policy. It would be interesting to do a case study that shows the term costs year by year on a whole life and an IUL. I haven’t seen that video yet anywhere but it would be good content
@@DenzelNapoleonRodriguez you don’t need a term rider or n a whole life unless it becomes a modified endowment contract, meaning it becomes a taxable account.
We love to boast about the unilateral solidity of life contract guarantees, but what prevents the insurer from "making changes" under-the-radar within the contract i.e raising policy costs, fees thereby eroding cash values?
I sold 10 year RnC term years ago ... without having a clue as to what it was ... I've learned it means that the insured has a GI right to convert to a WL policy before that 10 years is up ... BUT ... they won't know what the new WL rate will be correct? I'm thinking that is an out for the insurer because if the person is compromised medically, the insurer can JACK the rate to avoid having to insure on the new WL policy? Do I have that right?
Example, I know Transamerica offers a conversion from term to WL. And yes the rates are higher but it is a guaranteed conversion. Also, just using Transamerica as an example. You can convert your plan up to the age if 75 or before your term policy ends.
A properly structured whole life policy is one that pays the most commission and fees to the salesman and insurance company. A properly structured life insurance and investment strategy is one that includes a term policy and a good high ROI fund. That way you get all the insurance you need and an investment whose "cash value" is all yours or your heirs. Why do whole life salesmen want you to over fund your policy? Because they (the insurance company) gets to keep "your" cash value when you die and they only pay out the death benefit.
That’s not at all how whole life policy works. Properly setup it’s a plus premium so your beneficiaries get 100 percent. And again missed point this is not a one strategy only thing it’s a part of the whole.
May I suggest to the interviewer to just ask the questions and talk over the interviewee?? It’s frustrating to listen to two people talking at the same time. I know that the interviewer knows a ton about the subject matter so he can have a separate video where he can a monologue and satisfy his desire to share his wealth of knowledge.
I can listen to this better without the high pitch voice versus the Deep low voice it's it's better than by one or the other, but both of you you're you're speaking over each other and you're both saying the same thing😢
Holy crap could you not interupt every freaking senetence!? The minute young dude started making a point older dude literally cut him off almost every time. Why do these shows if ypu dont let anyone finish a sentence uninterrupted????
Garrett is a con artist. He used to call this an investment btw. He used to make videos where he would directly compare what he wanted to sell you to the S&P500 and he was VERY misleading about the return you'd get in the S&P
I would VERY MUCH APPRECIATE an episode that focuses on Whole Life, but comes at the entire conversation of the massive monetary deflation that is escalating. Currency Bond holders are screwed and real monetary deflation will be >20% for MANY years. So the illustration IN THE VIDEO of cash flow positive in 12 years … maybe in nominal terms (the $s amounts shown are they really Argentine Peso fiat?) is not real in the future purchasing value/power of those dollars!!!! MassMutual owns >$100M in bitcoin. WHEN will whole life insurers have policies that accumulate not just in dollars, but also in real assets (ex: gold via Monetary Metals, bitcoin, and other real assets, ..) that will appreciate????
Great idea Steve. So would these policies that accumulate in other assets like crypto or commodities simply show columns in the form of unit quantities? So death benefit of 5 bit coin let’s say? Or 5,000 Satoshies? Then the premium is 60?
lol I love Garrett and I think he would be the first to say that he’s not the world best interviewer. When you have a lot of good insights it’s hard not to share 😊. We’re going to do more videos together and I think our on camera chemistry will only get better!
@@BetterWealth Hey man great video, great information. I’ve watched a lot of your other videos excellent presentation. But I’m sorry man lol I was on the verge on blowing my brains out during this interview. He’d answer his own question to you for you and that’s just hella annoying. Hopefully it’ll get better cause he does seem like he’s also knowledgeable as well.
These policies have no equity, cash value is just your money. They only grow from overpayment for insurance. Not really assets at all, then you pay to borrow your own money back at 5% interest and then it is taken out of your death benefit when you die. If you leave any cash value the insurance company keeps it and not your heirs. Good ideas but the wrong tool for the job.
You do not have a good understanding of it. WL is basically like insuring yourself. Ex. If I get a 100k WL policy. I build up the cash value to say 50k.. I am ONLY paying for the Extra 50k to get to get to 100k. If I structured the policy to have cash value increase super fast then there is less and less insurance that I am paying for. If I hit a certain threshold in the cash value by law they have to increase the death benefit as there needs to be a gap between the CV and the insurance. Now as for the loan part. Think of it as taking a HELOC out on your home... or how Bill Gates, Elon Musk, Jeff Bezos, etc fund their life. Get paid in stock options, leverage a portion of the value of the stock (let's say 40%) then they use the tax free cash to make more investments, buy the yachts, land, lifestyle, etc.. then just make interest only payments. Same with CV in the policy. You leverage your CV to borrow from the Death Benefit at 5% simple interest... use the money for what you need/want. Can make interest only payments every year or pay it off in increments. Or can pay it off before the year is up before they tag it with the 5% interest... It's all how you structure it all.. Also.. rather 5% simple interest every month instead of variable interest rate on credit card of 15-30% Or a loan from the bank All time constraints really suck. Insurance is all about safety, control, access, time, etc.
That's not truth, it's what Ramsey say mostly. They just don't explain it in in detail or the way most people would understand. Watch or look for the Money Multiplier Be your own bank you'll understand or at least open up your mind set.
Iul works. I have policies for 15 years and it works. You guys have not been in the business long enough to see an iul long term. You guys are just parroting old whole life scare tactics. There are no riders for guarantees in an iul.
That’s like saying “I have a car for 15 years that still works. Cars never break down.” It all depends on the car, the driver, the maintenance, etc. The unfortunate thing about IUL is that Carriers can make changes to the contract and alter Cap Rates, Loan Rates, Participation Rates, etc and can put policies at risk of lapsing in the future. Especially with the Cost Of Insurance increasing every year.
Lol. All the iul haters say that iul will break down. If structured correctly it won't. Most of these iul haters have not been in the business long enough. They just parrot what their spline has told them. 😊
@@vangustiaa as nothing set up correctly will work for a while until the system breaks lol Just provide proof so we can all be successful don’t just diss the ppl who are actually teaching if you don’t have a solution with a process shown
![[LIVE] : ONE ลุมพินี 89 | คู่เอก "ยอดไอคิว vs คิริลล์"](http://i.ytimg.com/vi/Z3vYkHJ_5Ig/mqdefault.jpg)
If you want to learn more about overfunding life insurance we have free resources here!
bttr.ly/vault
Caleb, the only debt that is taxed is the canceled one, buddy.
First time I've seen a TH-cam video with the intro done by the guest 🥴.. that's how you know you've found the best. When the student is ready - the master will appear 🥷🏾💪🏾💯
Always love when you collaborate with Garrett Gunderson
Hi guys, please address when these 100+ year old mutual companies change their models to stock models. As you know, this has happened with major AAA and AA carriers in recent-ish years - very much to the detriment of those traditional whole life holders. Your plan works if the company stays mutual, but policyholders get kicked in the shins when they don't. Now they have rigid premiums, and no respite from divs in many cases. Devil's advocate alternative is the VUL which will allow for the escape hatch for nimble premiums and at least allows you to control the levers of portfolio design and funding amounts as they see fit for the given environment. There are riders to include to allow for immediate cash value to accrue if needed. Like many things, creating a protection portfolio of BOTH designs would be ideal. Both brings pros and cons to the table, but there's no golden egg. I appreciate this discussion - its a really good one. Keep it going guys.
Just learned another thing about states having associations that’s interesting I have to learn more about that with life insurance
90/10 or 60/40 split? Which carrier(s)?
bottom line is these two guys combined have a lot more understanding than most of us riding on here. that's why you're on here. listening and not out there setting these policies up for people. stay on here for a while. learn what you can and be thankful that you learn who cares about who interrupted who. dumbasses making that comment sound like cry babies watching a boxing match and the boxing match is a greatest fight ever and it's an even match and then complain that they heard the ref blow a whistle like shut up and learn. that's all you can get. every time they open their mouth. it was knowledge straight knowledge. that's it. keep it up guys. keep up the great work. I'm a fan of both of you. you've helped me immensely. do great work for my clients as well as Chris Kirkpatrick. it's enhanced my life insurance career immensely!! and I have everyone's book and have read them. I'm on my second read except the and asset. I'll be honest that's my next one. haven't done that. I'll do it on the plane this weekend lol
I like the Control Cost chart at 52:53 but two things not taken into consideration are inflation and velocity. Outstanding loan to invest acts as a hedge against inflation and reduces the breakeven return requirement on the investment - especially these days, there is an inflation arbitrage. Leverage obviously cuts both ways, but considering inflationary hedge allows for assuming a lower risk investment since breakeven rate becomes a lower #. As for velocity, having outstanding loan balance allows for a productive place for incoming cash to be swept… resulting in lower daily balance of loan and therefore increased ROI with the lowering denominator
Hi thanks for making this video! Ive been looping on the life insurance thing for a while now.
My question is, is there a system/calculator to compare/analyze policies?
One in which I can play with the numbers and find what could work for me.
We have an internal and external calculator for whole life you can use here! www.andasset.com/value-calculator
I’m in the same boat as you. I converted a term policy a couple of months ago to an early cash value policy.
It was scary because my agent had to be schooled on how to design it. Luckily it’s with Northwestern and he was able
To get the base low enough for me to be able to accumulate early cash value.
I would have gone with Guardian if I didn’t need to convert the existing Term policy to stay out of medical underwriting.
@@BetterWealthI looked at your calculator and I don’t think that’s what me or Logan are asking. I would like to be able to do my own illustrations but I suppose I would need to have acces to the software of a particular company…..or become a life insurance salesman.
Stop interrupting Geesh
I like the comparison chart of the different accounts and their characteristics. I would change the following about it:
-Separate 401K and IRA, because technically a 401K would have some leveragability and is somewhat accessible through 401K loans. This could especially be utilized by a solopreneur who rolls an old 401K or IRA into a soloK and borrows 50% to capitalize on other opportunities. In this case, I would color code this as orange for the 401K.
-I would say that Roth IRA is orange on the Easily Accessible category, only because you can withdraw principal and can utilize the 5 year rule for limited eligible distributions.
Otherwise, this chart is a powerful way to show the versality of whole life!
How is an IUL boasting a tasty interest rate throughout that policy's life different than illustrating current dividend rate on aDPWL contract throughout that contract's life?
I was talking to a chat box in a life insurance website
ME: So, in the calculator I have put $30 Mil as the coverage amount for 20 years
and the yearly comes to around $11k
So would you mean that this is the most expensive ever?
avatar
Mike 01:30
That is a pretty high amount for insurance, some companies will not do that. But some will! If there is too much cash value in any one policy the government considers it an investment tool and you lose your tax benefits.
They call it a Modified Endowment Contract, or MEC
Could this be a problem like Mike told me?
I love that you briefly mentioned credit cards and points, once i get my channel up and to a decent following I’ll reach out as there are some interesting parallels between “and” asset and the points and miles game with credit cards
I just learned something new watching this video. The point about avoiding an a life insurance company that also does P&C and the part about the renewable term costs being more expensive in a IUL.
Love it bro! Thanks so much for watching man!
The increasing term in an iul is not as bad as whole only guys represent. You have to understand the NetvAmountvat Risk.
It’s not expensive. They don’t talk about net amount at risk. That argument has been whole life only agents keep harping about iul’s.
@@vangustia are we assuming in a whole life we keep an increasing term for the life of the policy? Or do we eventually cut off the term costs in whole life? If you cut the term in a whole life then you can show the term being cheaper than a term on an IUL for the life of the policy. It would be interesting to do a case study that shows the term costs year by year on a whole life and an IUL. I haven’t seen that video yet anywhere but it would be good content
@@DenzelNapoleonRodriguez you don’t need a term rider or n a whole life unless it becomes a modified endowment contract, meaning it becomes a taxable account.
54:17 what does *Immersion* mean in this example 😵💫😵💫
What insurance companies , gives CD alternative. Thanks
We love to boast about the unilateral solidity of life contract guarantees, but what prevents the insurer from "making changes" under-the-radar within the contract i.e raising policy costs, fees thereby eroding cash values?
Those are all viable concerns with IUL, but not whole life
You can also over fund an iul.
Caleb have you seen an actual iul statement? How about a 15 year iul policy? Garrett you cant illustrate 12% anymore.
so is he saying it was better to buy a car with cash or through the loan with the cash value?
Full dis closer ... i love saying that ... haven't watched this ... can I add an LTC rider to my max funded WL policy?
Is that a 20 base 80 PUA?
powerful information ❤
I sold 10 year RnC term years ago ... without having a clue as to what it was ... I've learned it means that the insured has a GI right to convert to a WL policy before that 10 years is up ... BUT ... they won't know what the new WL rate will be correct? I'm thinking that is an out for the insurer because if the person is compromised medically, the insurer can JACK the rate to avoid having to insure on the new WL policy? Do I have that right?
Example, I know Transamerica offers a conversion from term to WL. And yes the rates are higher but it is a guaranteed conversion. Also, just using Transamerica as an example. You can convert your plan up to the age if 75 or before your term policy ends.
Without knowing the new rate before hand ... kinda useless no ..?@@diondion2020
Ty ❤
I honestly don't see how this guy doesn't slack him across a face or interrupting him over and over and over
although the discussion about WLI is helpful and entertaining, the title is misleading - for a "complete Guide"
Thanks for the feedback! We’ll take that into consideration and review the content!
You guys know that IUL's have max illustrated rates now. You cant illustrate 10% or 11% today. However, i have seen 20% returns in an iul.
How with most companies having a cap of 10%?
Only on the S&P crediting strategies. Have you not seen other crediting strategies?
Still didn't get to undetstamd " How to properly structure a whole life policy"
Sit down and watch again but this time grasp it dont just hear it
Let him talk, he is making sense. You need to be humble older man.
This part, why have a guest on and you continuously over talk him geez! Gems are being shared by both but damn 🤫
Im confused.
A properly structured whole life policy is one that pays the most commission and fees to the salesman and insurance company. A properly structured life insurance and investment strategy is one that includes a term policy and a good high ROI fund. That way you get all the insurance you need and an investment whose "cash value" is all yours or your heirs. Why do whole life salesmen want you to over fund your policy? Because they (the insurance company) gets to keep "your" cash value when you die and they only pay out the death benefit.
That’s not at all how whole life policy works. Properly setup it’s a plus premium so your beneficiaries get 100 percent. And again missed point this is not a one strategy only thing it’s a part of the whole.
@@necromancer74
What are you trying to say with that word salad?
Wtf? Spoken like an uninformed individual.
@vangustia
Wtf? Spoken like a true WL salesman. No real facts, just spewed talking points.
Lol practice your due dilligence before talkin out your ass 🤔
Love this video! Total 🔥🔥🔥
May I suggest to the interviewer to just ask the questions and talk over the interviewee?? It’s frustrating to listen to two people talking at the same time. I know that the interviewer knows a ton about the subject matter so he can have a separate video where he can a monologue and satisfy his desire to share his wealth of knowledge.
Let’s go!
Sorry. Once you save money, it’s an investment.
You still never named the INS companies that you recommend??
Here's a list of some of our favorite companies that we did on our second channel - th-cam.com/video/B4ykGTzreJs/w-d-xo.htmlsi=Wr2Z2thpLeTmhE3N
Does the host ever stop talking king enough for the guest to complete a sentence?
I can listen to this better without the high pitch voice versus the Deep low voice it's it's better than by one or the other, but both of you you're you're speaking over each other and you're both saying the same thing😢
The best WL structure is the best an Annual Renewal Term IUL design.
Holy crap could you not interupt every freaking senetence!? The minute young dude started making a point older dude literally cut him off almost every time. Why do these shows if ypu dont let anyone finish a sentence uninterrupted????
Agreed!
🤐why is this dude interrupting EVERY sentence... and before he gets a chance to finish important points? Dude is hilarious! 🤣🤣🤣
Garrett is a con artist. He used to call this an investment btw. He used to make videos where he would directly compare what he wanted to sell you to the S&P500 and he was VERY misleading about the return you'd get in the S&P
I would VERY MUCH APPRECIATE an episode that focuses on Whole Life, but comes at the entire conversation of the massive monetary deflation that is escalating.
Currency Bond holders are screwed and real monetary deflation will be >20% for MANY years.
So the illustration IN THE VIDEO of cash flow positive in 12 years … maybe in nominal terms (the $s amounts shown are they really Argentine Peso fiat?) is not real in the future purchasing value/power of those dollars!!!!
MassMutual owns >$100M in bitcoin.
WHEN will whole life insurers have policies that accumulate not just in dollars, but also in real assets (ex: gold via Monetary Metals, bitcoin, and other real assets, ..) that will appreciate????
Great idea Steve. So would these policies that accumulate in other assets like crypto or commodities simply show columns in the form of unit quantities? So death benefit of 5 bit coin let’s say? Or 5,000 Satoshies? Then the premium is 60?
Haha Sta-te farm or any P&C Iykyk People keep on getting them bundle prices smh 🤦
Why does he kept on interrupting! So annoying
Yeoooo
Its That Ben Shapiro pitch. Slow it down and get a white board
Who recommends whole life? Only slimy whole life sales people.
You guys all sound like Dave Ramsey.
lol
Too much banter
Health insurance is awful😂😂😂😂
What’s the point of having a guest on the show if the host is going to finish every sentence? Could have just interviewed yourself man.
lol I love Garrett and I think he would be the first to say that he’s not the world best interviewer. When you have a lot of good insights it’s hard not to share 😊.
We’re going to do more videos together and I think our on camera chemistry will only get better!
@@BetterWealth Hey man great video, great information. I’ve watched a lot of your other videos excellent presentation. But I’m sorry man lol I was on the verge on blowing my brains out during this interview. He’d answer his own question to you for you and that’s just hella annoying. Hopefully it’ll get better cause he does seem like he’s also knowledgeable as well.
These policies have no equity, cash value is just your money. They only grow from overpayment for insurance. Not really assets at all, then you pay to borrow your own money back at 5% interest and then it is taken out of your death benefit when you die. If you leave any cash value the insurance company keeps it and not your heirs. Good ideas but the wrong tool for the job.
You do not have a good understanding of it.
WL is basically like insuring yourself.
Ex. If I get a 100k WL policy.
I build up the cash value to say 50k..
I am ONLY paying for the Extra 50k to get to get to 100k.
If I structured the policy to have cash value increase super fast then there is less and less insurance that I am paying for.
If I hit a certain threshold in the cash value by law they have to increase the death benefit as there needs to be a gap between the CV and the insurance.
Now as for the loan part. Think of it as taking a HELOC out on your home... or how Bill Gates, Elon Musk, Jeff Bezos, etc fund their life.
Get paid in stock options, leverage a portion of the value of the stock (let's say 40%) then they use the tax free cash to make more investments, buy the yachts, land, lifestyle, etc.. then just make interest only payments.
Same with CV in the policy.
You leverage your CV to borrow from the Death Benefit at 5% simple interest... use the money for what you need/want.
Can make interest only payments every year or pay it off in increments. Or can pay it off before the year is up before they tag it with the 5% interest...
It's all how you structure it all..
Also.. rather 5% simple interest every month instead of variable interest rate on credit card of 15-30%
Or a loan from the bank
All time constraints really suck.
Insurance is all about safety, control, access, time, etc.
You haven't talked about MEC from overfunding
Paid up additions tackle that@@adrummondrocks
That's not truth, it's what Ramsey say mostly. They just don't explain it in in detail or the way most people would understand. Watch or look for the Money Multiplier Be your own bank you'll understand or at least open up your mind set.
GG is annoying 🤬
Any Indian watching this, please, is this replicable in India?
Iul works. I have policies for 15 years and it works. You guys have not been in the business long enough to see an iul long term. You guys are just parroting old whole life scare tactics. There are no riders for guarantees in an iul.
That’s like saying “I have a car for 15 years that still works. Cars never break down.”
It all depends on the car, the driver, the maintenance, etc.
The unfortunate thing about IUL is that Carriers can make changes to the contract and alter Cap Rates, Loan Rates, Participation Rates, etc and can put policies at risk of lapsing in the future. Especially with the Cost Of Insurance increasing every year.
Lol. All the iul haters say that iul will break down. If structured correctly it won't. Most of these iul haters have not been in the business long enough. They just parrot what their spline has told them. 😊
@@vangustiawell back up your claim with real data.
@@vangustiaa as nothing set up correctly will work for a while until the system breaks lol
Just provide proof so we can all be successful don’t just diss the ppl who are actually teaching if you don’t have a solution with a process shown
Overfunded by how much?
To the MEC limit.