Hallo, here is Christine from Germany 😊 I subscribed to your free 5hours Onlinecourse yesterday at 11.36 ET, filled out your form and the course should be delivered at 12.00 pm ET. Now it‘s already 8.08 am again but it still didn’t arrive. What do I do now? Thanks for your help
I remember as a kid when I first started making money, I wasn't a spender so I was just thinking, "I wish I could just buy more money." Well it turns out, you kind of can! 😊
Never, never, never use a HELOC!! Why would you put your personal home at risk? If you must have a loan, have something else as collateral. Remember, whatever you put up as the collateral, can be lost. It's quite a gamble.
Hi Gabe! I'm 23, currently living at home in Ontario, Canada. A couple years ago I started reading a lot about investing and being deliberate about expenditures. I am really into dollar cost averaging index funds, and have a long term buy and hold strategy currently. My goal is to purchase a rental property soon, I am just finishing my business degree and hoping to gain full-time employment in my field of finance/accounting. This channel is a side hustle with the goal of teaching people to grow vegetables. The market is not looking great, it is extremely expensive here in Ontario, so I'm not sure what will happen but house hacking is what I've been thinking. I rarely comment on videos but just wanted to say hi and that I really enjoy your videos, great editing, very inspiring. Keep it up man!!! 😃
i’m also in ontario and have thought about house hacking but i wouldnt even be able to afford a house to rent out so not sure how i could house hack without a house to hack
I like the story in rich dad, but the book is poorly written. It repeats the same stories 3 times in the book word for word. I remember i listened to the audio book and thought it was messed up, so i bought the book to learn audio book was the same.
No body cares whether the rich dad story is fake or real, the reason why you read the book is to change your mindset. Robert is in debt now though the book is meant to help people worldwide. Awesome video
Interesting that in the same video he states “we need to practice delayed gratification” he is also pitching a sponsored get a HELOC loan. More and more these videos are becoming informercials for whoever is sponsoring him at the time. I know that is how most do it but he didn’t before and that’s what i used to find so refreshing about his videos.
The guy has to eat... I'm not going to knock him for hocking a product. That said... Getting tied up in a fixed rate heloc when rates are poised to drop... Probably not the best move to make right now lol
I read this book when I was 22 and started thinking about money different. I’m still on an earned income. But I don’t have to work because I’ve done things with my money that rewarded me today.
It's one of the best book I have ever listened. It was just amazing. I always follow his rules and it works perfectly. I hate to loose money on investments. But I can't control everything. I am being teaching my wife how I manage our money but now she finally understands. It did take a long time.
The book is an allegory. When people confronted the author about his obfuscation, he pretended to be surprised that people believed there were actually two "dads" involved. Having said that, the principles in it are sound.
Great advice straight forward and makes a lot of sense. Thank you Gabe for sharing all your acquired knowledge as you certainly are a generous person 😊
I LOVE that idea of finding something you can earn to cover something you want. Currently, I earn gift cards to cover something that I want on let's say Amazon.
The cost of homes and regulations was minimal before 2000s is way different than post covid times with crazy inflation and strict regulations. Robert Kiyosaki invested at right timing during those days..
Just got your email rant on Dave Ramsey. While I have subscribed to some of his philosophies, you are totally correct on others. My friends who are in whole hog are worse off and going nowhere. I have to turn away customers who have no credit whatsoever, and I feel really bad about it, but you MUST have some kind of credit history. You cannot pay cash for everything.
Dave ramsey is peak boomer lol. I think the biggest issue with Dave is that he thinks that he is a finance person when really he is just a sales person. If you are amazing at sales, then you can make up for a great many stupid moves and inefficiencies by just selling more stuff. And for people on a sales track, that model can work decently enough. If you can raise your income high enough, and invest a little of it, then you will find success just like Dave. But there is a reason why very few successful people follow Dave's advice, and Dave's followers remain poor or at best middle class... It's just not how money and finances work. But Dave is irritating. He yells at poor people telling them to live on less when they don't have a spending problem. He advises average income people to never use debt, and when they get in a bind and ask for help he advises that they spend less and work 3-4 jobs when the #1 priority in the moment should be focused on the family rather than leaving it to work even more. And what kills me is how stingy the dude is when he operates such a massive empire couched in Christian language and trappings while only giving to charities that help his business grow... Dude is kinda evil. If we want to look at what is wrong with society, it's that moral good people follow jokers like Dave instead of calling him on the carpet.
the first half of rich dad poor dad is so good.. the rest is kinda weird. its fine but i can wholeheartedly recommend everyone to read the first half of rich dad poor dad
I feel like all this highlights some glaring problems in the modern capitalist system. Productive work gets you nowhere while exploitation and already having wealth gets you more wealthy.
You realize “exploit” literally means make use of or benefit from, right? Why WOULDN’T any reasonably intelligent person do this. It’s not a problem, it’s an opportunity. It’s only a problem for those who ignore the facts and spend everything they earn instead of doing exactly what the system is designed to encourage.
Referring to earned income as "productive" and passive income as "exploitative" just shows how deeply we've been programmed with a misunderstanding of the relative economic impacts and benefits of each. That's EXACTLY the message of Kiyosaki's book.
@@eddiemalvin work produces something. Passive income exploits the income of others. You sequester a property for rent and make money off the tenants and in return the tenants can't afford anything. It's just feudalism with extra steps. Never mind the fact that, if everyone did this the system would collapse because capitalism needs an exploitable underclass for the owners to take advantage of.
@@MrWhitmire at least you acknowledge that the system is designed to function this way. It's a lot more honest than a lot of other arguments I've heard. One question though; what happens if everyone had passive income? What happens if everyone was an investor or landlord?
@@JonaaBLKWL I work 8 hours a day sending emails, sitting in meetings and updating spreadsheets. I get paid very well for basically producing nothing. I could stop working and life would go on. Meanwhile, I earn a 5% passive return on money I keep in a bank account. The bank then loans my deposits to people so they can buy a house/car, start a business, pay college tuition, etc. Which is more productive?
Over time as their networth increases, the percentage of their income that goes to buying groceries and other necessities decreases because they have more income coming from investments that continue to grow. They may increase how much they spend on groceries a little as their networth increases and they buy higher quality food but it isn’t likely that their grocery costs will go up exponentially like their investments grow.
@@tylercampbell6058 that may be but the insinuation is rich people don't buy groceries. It may have been a mistake, it may have been e garment bait, I thought it was funny.
About your last Reel: HOW did you buy a house with 25.000 $?! 😮😮😮 $ and € are about the same but an old house which need expensive renovations cost 300.000 - 700.000 € in Germany!? 😅 And yes, most of the people earn only about 1800 € net per month...
That was the down payment. We have a first time homebuyer loan called FHA, which is 3 1/2% down. That you can buy a multi family with as long as you live there
Gabe, I love your content. Keep it up. Did you mention or give credit to Tim Ferriss and the 4 hour work week? Maybe I missed your credit to him? If so, sorry. If not, you should.
When Kiyosaki talks about his debt, he's just trying to make a point about "good debt" and "leverage". He doesn't mean his net worth is -$1.2B. If he has $1.2B in debt then he must have $1.3B in assets because his net worth is currently estimated at $100M.
Robert is a weird dude. He falls for every right-wing conspiracy theory under the sun, is deeply in debt, and literally losing his mind. That being said, he is very consistent on his stance about debt. His whole thing as you read more of his books is that what matters is having enough cash flowing assets to pay for your lifestyle as well as service your debts. So the amount of debt never really matters, as long as the assets the debts ear can pay for themselves over time. And on paper... The dudes not wrong. In fact, my own finances are following a similar trajectory where it makes sense for me to take money out of my house to buy assets, to then earn more money faster. It is using debt as fertilizer to make the plants grow faster and get bigger faster crops. I think that where I depart on that thinking is that I would never be comfortable having the costs of servicing my debt be more than 20-25% of my income, and I would want all debts paid off free and clear around retirement age so that I'm not juggling complicated finances when my brain is starting to expire 😅. Meanwhile, Robert is a crazy cranky old dude out there piling on even more debt so that 90%+ of his cash flow is servicing down bt load, and he is living a lavish lifestyle on the remaining 10%. I don't think I could ever justify balancing finances on that... That is one market adjustment away from disaster lol.
I'm just responding to the thumbnail. That crappy car isn't Rich. The whole point of being rich is so that you can have a higher standard of living. That crappy car is someone who has lowered their standard of living in the hopes that one day, they will be rich. Maybe it will work. Or maybe they will just live a low standard of living for their whole life while money accumulates in their accounts. That's not a rich life.
Yeah, the idea of that Thumbnail was more talking about delayed gratification. Where most people who have nice cars actually can’t afford them and end up working their entire lives.
FreedomTalkMedia Everyone has different values and ideas on the meaning of being rich. I give away more than I keep. That’s important to me. I had a double organ transplant and my husband had brain surgery. I’m grateful to pay medical bills without losing sleep over it. When I was a young professional I had the sleek new black Camaro with T-tops. When I had a family I valued a safe vehicle. Perspective is everything. ✌🏼
I couldn't stand this book with the obviously made-up anecdotes, terrible writing and very surface-level advice. I was so unimpressed, but have to admit it does have some value for a beginner who is just thinking about finances for the first time. It could have been summarized in a single chapter. I just cringed way too many times while reading it
Same here, it's hundreds of pages of the finance equivalent of bro talk with perhaps 10 pages of financial advice. It proves people would rather be entertained than gain knowledge.
In short you could be rich if you are already rich. If you have money to invest, voila it works. But if you live paycheck to paycheck all this goes thru the window. You can put your 10% aside for a lifetime, but still won’t be able to buy any real estate.
Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?
I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
Find your rate now at Figure go.magik.ly/ml/23djp/
Hallo, here is Christine from Germany 😊 I subscribed to your free 5hours Onlinecourse yesterday at 11.36 ET, filled out your form and the course should be delivered at 12.00 pm ET. Now it‘s already 8.08 am again but it still didn’t arrive. What do I do now? Thanks for your help
for those who want to go deeper into the rabbit hole, 'The Hidden Truths Of Wealth by Oliver Mercer'
I remember as a kid when I first started making money, I wasn't a spender so I was just thinking, "I wish I could just buy more money." Well it turns out, you kind of can! 😊
Was my first book also. Changed my life
Never, never, never use a HELOC!! Why would you put your personal home at risk? If you must have a loan, have something else as collateral. Remember, whatever you put up as the collateral, can be lost. It's quite a gamble.
Hi Gabe! I'm 23, currently living at home in Ontario, Canada. A couple years ago I started reading a lot about investing and being deliberate about expenditures. I am really into dollar cost averaging index funds, and have a long term buy and hold strategy currently. My goal is to purchase a rental property soon, I am just finishing my business degree and hoping to gain full-time employment in my field of finance/accounting. This channel is a side hustle with the goal of teaching people to grow vegetables. The market is not looking great, it is extremely expensive here in Ontario, so I'm not sure what will happen but house hacking is what I've been thinking. I rarely comment on videos but just wanted to say hi and that I really enjoy your videos, great editing, very inspiring. Keep it up man!!! 😃
i’m also in ontario and have thought about house hacking but i wouldnt even be able to afford a house to rent out so not sure how i could house hack without a house to hack
My assets will take over my expenses in 5 years. Can’t wait!
I like the story in rich dad, but the book is poorly written. It repeats the same stories 3 times in the book word for word. I remember i listened to the audio book and thought it was messed up, so i bought the book to learn audio book was the same.
Yeah, it’s definitely not a perfect book but it has a lot of good ideas in it that have really helped me especially getting started
@@GabeBult it does change your mind set on money. So I read rich dad once a year as well as richest man in babylon and the alchemist.
@@TheSilvertrigger Thank you for mentioning The Alchemist. I had never heard of it before!
@@helldogbe4077 the alchemist is a great book and worth the read. the audio book is free on TH-cam. i liked it so much i bought the paperback.
He’s a literal thief.
Nice and meaty video! I have to hear things repeatedly to stay on the right path and in different ways. Thanks for the help!
Glad you enjoyed it!
No body cares whether the rich dad story is fake or real, the reason why you read the book is to change your mindset. Robert is in debt now though the book is meant to help people worldwide. Awesome video
Best book on money. Changed my mindset completely
Interesting that in the same video he states “we need to practice delayed gratification” he is also pitching a sponsored get a HELOC loan. More and more these videos are becoming informercials for whoever is sponsoring him at the time. I know that is how most do it but he didn’t before and that’s what i used to find so refreshing about his videos.
The guy has to eat... I'm not going to knock him for hocking a product.
That said... Getting tied up in a fixed rate heloc when rates are poised to drop... Probably not the best move to make right now lol
I read this book when I was 22 and started thinking about money different. I’m still on an earned income. But I don’t have to work because I’ve done things with my money that rewarded me today.
It's one of the best book I have ever listened. It was just amazing. I always follow his rules and it works perfectly. I hate to loose money on investments. But I can't control everything. I am being teaching my wife how I manage our money but now she finally understands. It did take a long time.
The book is an allegory. When people confronted the author about his obfuscation, he pretended to be surprised that people believed there were actually two "dads" involved. Having said that, the principles in it are sound.
Hehe one of the partners in the firm where I worked, certainly a billionaire, used to drive a Renault 2CV to work
Nice car
Excellent information. Read the Rich dad book years ago. Need to reread it.
You made the cleanest summary of " Rich Dad Poor Dad " 🤝
This is the best video you have produced in my opinion. Thanks for the advice.
Glad you think so!
Great timing for this video. I just finished reading this book this morning.
Great advice straight forward and makes a lot of sense. Thank you Gabe for sharing all your acquired knowledge as you certainly are a generous person 😊
Brilliant as always 💚 Have you lost from any advice you received. How did you turn it around! 4 hour work week is such a great book.
I LOVE that idea of finding something you can earn to cover something you want. Currently, I earn gift cards to cover something that I want on let's say Amazon.
6:51 is EXACTLY how I think about my money : earned soldiers sent on the market and in bank to recruit more soldiers...
The cost of homes and regulations was minimal before 2000s is way different than post covid times with crazy inflation and strict regulations. Robert Kiyosaki invested at right timing during those days..
Just got your email rant on Dave Ramsey. While I have subscribed to some of his philosophies, you are totally correct on others. My friends who are in whole hog are worse off and going nowhere. I have to turn away customers who have no credit whatsoever, and I feel really bad about it, but you MUST have some kind of credit history. You cannot pay cash for everything.
Dave ramsey is peak boomer lol.
I think the biggest issue with Dave is that he thinks that he is a finance person when really he is just a sales person. If you are amazing at sales, then you can make up for a great many stupid moves and inefficiencies by just selling more stuff. And for people on a sales track, that model can work decently enough. If you can raise your income high enough, and invest a little of it, then you will find success just like Dave. But there is a reason why very few successful people follow Dave's advice, and Dave's followers remain poor or at best middle class... It's just not how money and finances work.
But Dave is irritating. He yells at poor people telling them to live on less when they don't have a spending problem. He advises average income people to never use debt, and when they get in a bind and ask for help he advises that they spend less and work 3-4 jobs when the #1 priority in the moment should be focused on the family rather than leaving it to work even more. And what kills me is how stingy the dude is when he operates such a massive empire couched in Christian language and trappings while only giving to charities that help his business grow... Dude is kinda evil. If we want to look at what is wrong with society, it's that moral good people follow jokers like Dave instead of calling him on the carpet.
the first half of rich dad poor dad is so good.. the rest is kinda weird. its fine but i can wholeheartedly recommend everyone to read the first half of rich dad poor dad
I feel like all this highlights some glaring problems in the modern capitalist system. Productive work gets you nowhere while exploitation and already having wealth gets you more wealthy.
You realize “exploit” literally means make use of or benefit from, right? Why WOULDN’T any reasonably intelligent person do this. It’s not a problem, it’s an opportunity. It’s only a problem for those who ignore the facts and spend everything they earn instead of doing exactly what the system is designed to encourage.
Referring to earned income as "productive" and passive income as "exploitative" just shows how deeply we've been programmed with a misunderstanding of the relative economic impacts and benefits of each.
That's EXACTLY the message of Kiyosaki's book.
@@eddiemalvin work produces something. Passive income exploits the income of others. You sequester a property for rent and make money off the tenants and in return the tenants can't afford anything. It's just feudalism with extra steps. Never mind the fact that, if everyone did this the system would collapse because capitalism needs an exploitable underclass for the owners to take advantage of.
@@MrWhitmire at least you acknowledge that the system is designed to function this way. It's a lot more honest than a lot of other arguments I've heard. One question though; what happens if everyone had passive income? What happens if everyone was an investor or landlord?
@@JonaaBLKWL I work 8 hours a day sending emails, sitting in meetings and updating spreadsheets. I get paid very well for basically producing nothing. I could stop working and life would go on.
Meanwhile, I earn a 5% passive return on money I keep in a bank account. The bank then loans my deposits to people so they can buy a house/car, start a business, pay college tuition, etc.
Which is more productive?
Ideas are a dime a dozen. Good ideas are rare.
So I need to buy Lada?
This is amazing❤
Giving to my church is just making my church richer. I just put a dollar sometime $5 into the collection basket.
Why give money to a church?
Great content. Keep it coming!!!
🙏🔥
i love your videos gabe
"Assets" spelt wrong throughout. Loved the content otherwise! Keep up the great videos 👍
List of all financial books read please.
Describing real estate and businesses as "passive" as opposed to holding VOO is insanity.
VGT is better.
@@otrebla8944what is that exactly ?
There's nothing passive about working up to 80 hours weekly.
Can you please make more videos of books you have read that helped you
Poor people buy things like "Groceries". Do rich people not have to eat or do they just have minions provide food for them?
Over time as their networth increases, the percentage of their income that goes to buying groceries and other necessities decreases because they have more income coming from investments that continue to grow. They may increase how much they spend on groceries a little as their networth increases and they buy higher quality food but it isn’t likely that their grocery costs will go up exponentially like their investments grow.
@@tylercampbell6058 that may be but the insinuation is rich people don't buy groceries. It may have been a mistake, it may have been e garment bait, I thought it was funny.
About your last Reel: HOW did you buy a house with 25.000 $?! 😮😮😮 $ and € are about the same but an old house which need expensive renovations cost 300.000 - 700.000 € in Germany!? 😅 And yes, most of the people earn only about 1800 € net per month...
That was the down payment. We have a first time homebuyer loan called FHA, which is 3 1/2% down. That you can buy a multi family with as long as you live there
I.e. build an asset, that pays for toys
Thanks!
One of the best books i've ever read.
I thought the book was about having 2 gay dads
Blue car is Soviet's Москвич-412 😂.
I will literally never understand why people worship common sense. But I guess it's profitable.
Real estate is a loser now unless you buy waterfront. Or rarer real estate
Where is Matt D'Avella's video?
Unhappy / happy
Gabe, I love your content. Keep it up. Did you mention or give credit to Tim Ferriss and the 4 hour work week? Maybe I missed your credit to him? If so, sorry. If not, you should.
Sorry, never mind. You gave Tim Ferriss credit later. My apologies.
Good info
Im doing it for my dad, who was scammed out of 100k.
Please Gabe, love your channel and your content but "Rich Dad" now says he is $1.2 billion in debt. He is not what he seems at all.
When Kiyosaki talks about his debt, he's just trying to make a point about "good debt" and "leverage". He doesn't mean his net worth is -$1.2B.
If he has $1.2B in debt then he must have $1.3B in assets because his net worth is currently estimated at $100M.
@@eddiemalvin Damn, talk about overleveraged
Robert is a weird dude. He falls for every right-wing conspiracy theory under the sun, is deeply in debt, and literally losing his mind.
That being said, he is very consistent on his stance about debt. His whole thing as you read more of his books is that what matters is having enough cash flowing assets to pay for your lifestyle as well as service your debts. So the amount of debt never really matters, as long as the assets the debts ear can pay for themselves over time.
And on paper... The dudes not wrong. In fact, my own finances are following a similar trajectory where it makes sense for me to take money out of my house to buy assets, to then earn more money faster. It is using debt as fertilizer to make the plants grow faster and get bigger faster crops.
I think that where I depart on that thinking is that I would never be comfortable having the costs of servicing my debt be more than 20-25% of my income, and I would want all debts paid off free and clear around retirement age so that I'm not juggling complicated finances when my brain is starting to expire 😅. Meanwhile, Robert is a crazy cranky old dude out there piling on even more debt so that 90%+ of his cash flow is servicing down bt load, and he is living a lavish lifestyle on the remaining 10%. I don't think I could ever justify balancing finances on that... That is one market adjustment away from disaster lol.
Nothing but the truth✍️🏾💯
Groceries?? 😂 You have to eat.
Didn't the author go bankrupt and lives off of the book?
Stopped watching your videos cuz of the ridiculous amount of ads. Came back and it’s only gotten worse 😢
Bitcoin = Freerfom
I'm just responding to the thumbnail. That crappy car isn't Rich. The whole point of being rich is so that you can have a higher standard of living. That crappy car is someone who has lowered their standard of living in the hopes that one day, they will be rich. Maybe it will work. Or maybe they will just live a low standard of living for their whole life while money accumulates in their accounts. That's not a rich life.
Yeah, the idea of that Thumbnail was more talking about delayed gratification. Where most people who have nice cars actually can’t afford them and end up working their entire lives.
Expensive cars will keep you poor for life.
Just Carpe Diem...
BRØ!
FreedomTalkMedia Everyone has different values and ideas on the meaning of being rich. I give away more than I keep. That’s important to me. I had a double organ transplant and my husband had brain surgery. I’m grateful to pay medical bills without losing sleep over it. When I was a young professional I had the sleek new black Camaro with T-tops. When I had a family I valued a safe vehicle. Perspective is everything. ✌🏼
Bros shilling helocs
Bitcoin is the best investment ever.
Why you talk so fast in this video, Gabe?! 🤔
I couldn't stand this book with the obviously made-up anecdotes, terrible writing and very surface-level advice. I was so unimpressed, but have to admit it does have some value for a beginner who is just thinking about finances for the first time. It could have been summarized in a single chapter. I just cringed way too many times while reading it
Same here, it's hundreds of pages of the finance equivalent of bro talk with perhaps 10 pages of financial advice. It proves people would rather be entertained than gain knowledge.
Just like Scrooge McDuck
In short you could be rich if you are already rich. If you have money to invest, voila it works. But if you live paycheck to paycheck all this goes thru the window. You can put your 10% aside for a lifetime, but still won’t be able to buy any real estate.
If you’re living paycheck to paycheck and you have 10% left over to invest then maybe there’s a better way for you to be budgeting your money/time
Not to mention the author of the book is in debt of $1.2 billion.
His strategy: “The reason I’m so rich is because I’m in debt.”
Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?
I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
❤
This talking is too fast for me 😢
Just change the playback speed to .75 or something. But I'm listen on double speed and he's fine
Rich Dad Poor Dad is almost certainly based on a hoax. There was no real person who was the 'Rich Dad'. It's a character made up by the author.
Who cares about that bs