Ten Keys To Financial Freedom At An Early Age Retire Young On A Modest Salary

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Ten Keys to Financial Freedom at an Early Age: Retire Young on a Modest Salary

Author : Teena Smith
Publisher : Independently Published
ISBN 13 : 9781090859303
Total Pages : 94 pages
Book Rating : 4.8/5 (593 download)

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Book Synopsis Ten Keys to Financial Freedom at an Early Age: Retire Young on a Modest Salary by : Teena Smith

Download or read book Ten Keys to Financial Freedom at an Early Age: Retire Young on a Modest Salary written by Teena Smith and published by Independently Published. This book was released on 2019-03-18 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: This short book gives step-by-step instruction on how anyone can achieve financial freedom in a short time. The book shows how achieving financial freedom does not require you to earn a large salary, possess any advanced degrees, or have any special skills or training. Financial freedom is available to anyone willing to follow the steps laid out in this great resource. This short, personal growth and development aid packs a punch with important life lessons, including: REAL ESTATE INVESTING The Author divulges four proven strategies for successful Real Estate investing, including recommendations on the types of properties in which to invest, how to analyze and minimize risk and some financing strategies. Author exposes some pitfalls to avoid, including cross collateralization. Drawing from her actual experiences, Author shares some real-life examples of the successful results following the steps outlined in this book. BUDGETING, MONEY MANAGEMENT AND RETIREMENT PLANNING This book is rich with vitally important information that is widely unknown. It includes an in-depth dissertation on good debt vs. bad debt, including the dangers of revolving credit and consumer debt, and car leasing. The book suggests and describes a budgeting system based on living on only 70% of your income. TIME MANAGEMENT, DELAYING GRATIFICATION, GOAL SETTING, STRATEGIC PLANNING AND OTHER LIFE SKILLS The book covers a range of personal growth and development strategies aimed at enhancing vital life skills. SPIRITUAL ENRICHMENT This book is spiritually rich, and clearly delineates the importance of including God in this entire process. The author explores the biblical and historical concept of stewardship; and shows the Bible and stewardship's place in contemporary Christian living This book is a short read, written with the intention of it being read in one sitting.

10 Keys to Financial Freedom at an Early Age

Author : Teena Smith
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781542374514
Total Pages : 82 pages
Book Rating : 4.3/5 (745 download)

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Book Synopsis 10 Keys to Financial Freedom at an Early Age by : Teena Smith

Download or read book 10 Keys to Financial Freedom at an Early Age written by Teena Smith and published by Createspace Independent Publishing Platform. This book was released on 2017-09-14 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: This short. personal growth and development book packs a punch with important life lessons, including: REAL ESTATE INVESTING: The Author divulges 4 proven strategies for successful Real Estate investing, including recommendations on the types of properties in which to invest, how to analyze and minimize risk and some financing strategies. Author exposes some pitfalls to avoid, including cross collateralization. Drawing from her actual experiences, Author shares some real-life examples of the successful results following the steps outlined in this book. BUDGETING, MONEY MANAGEMENT AND RETIREMENT PLANNING: This book is rich with vitally important information that is widely unknown. It includes an in-depth dissertation on good debt vs. bad debt, including the dangers of revolving credit and consumer debt, and car leasing. The book suggests and describes a budgeting system based on living on only 70% of your income. TIME MANAGEMENT, DELAYING GRATIFICATION, GOAL SETTING, STRATEGIC PLANNING AND OTHER LIFE SKILLS: The book covers a range of personal growth and development strategies aimed at enhancing vital life skills. SPIRITUAL ENRICHMENT: This book is spiritually rich, and clearly delineates the importance of including God in this entire process. The author explores the biblical and historical concept of stewardship; and shows the Bible and stewardship's place in contemporary Christian living. This book is a short read, written with the intention of it being read in one sitting.

You Can Retire Early!

Author : Deacon Hayes
Publisher : Simon and Schuster
ISBN 13 : 1440599890
Total Pages : 256 pages
Book Rating : 4.4/5 (45 download)

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Book Synopsis You Can Retire Early! by : Deacon Hayes

Download or read book You Can Retire Early! written by Deacon Hayes and published by Simon and Schuster. This book was released on 2017-11-07 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive guide to financial independence at any age! Retiring early is not limited to lottery winners or the super rich. In fact, with proper planning, we can all retire at a younger age than we ever dreamed—but only with the right plan. Personal finance expert Deacon Hayes explains the practical, concrete steps you can take to start your retirement when you’re young enough to thoroughly enjoy it, including: *Developing a personalized retirement plan *Maximizing income *Understanding opportunity cost *Assessing and reducing debt *Selecting the right investment vehicles *Sticking to the plan With Hayes’s guidance, you can achieve financial independence and enjoy an active, happy, and long retirement.

You Can Retire Early!

Author : Deacon Hayes
Publisher : Simon and Schuster
ISBN 13 : 1440599882
Total Pages : 256 pages
Book Rating : 4.4/5 (45 download)

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Book Synopsis You Can Retire Early! by : Deacon Hayes

Download or read book You Can Retire Early! written by Deacon Hayes and published by Simon and Schuster. This book was released on 2017-11-07 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: With proper planning, we can all retire at a younger age than we ever dreamed. Hayes explains the practical, concrete steps you can take to start your retirement when you're young enough to thoroughly enjoy it. He covers the development of a personalized retirement plan, as well as ways to maximize income and assess and reduce debt. By selecting the right investment vehicles and sticking to the plan, you can achieve financial independence and enjoy an active, happy retirement.

The Poor Man's Guide to Financial Freedom

Author : Nikolai Vladivostok
Publisher : Independently Published
ISBN 13 :
Total Pages : 324 pages
Book Rating : 4.6/5 (373 download)

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Book Synopsis The Poor Man's Guide to Financial Freedom by : Nikolai Vladivostok

Download or read book The Poor Man's Guide to Financial Freedom written by Nikolai Vladivostok and published by Independently Published. This book was released on 2020-04-16 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: A no-nonsense, 10-step guide to reaching financial freedom on a modest income, from a man who did it himself.Do you have a low to medium income, and have little idea how to manage your money to get ahead? This book is for you. A high income is not what leads to financial freedom. Only being able to manage the money you've got can allow you to reach your financial goals.The ten steps to reaching financial freedom are: Step 1: Don't Get Into (More) DebtStep 2: Make a Frugal Budget. Step 3: Save an Emergency FundStep 4: Get Out of DebtStep 5: Increase IncomeStep 6: Protect What You've GotStep 7: Plan Your LifeStep 8: Invest WiselyStep 9: Get AdviceStep 10: Record and ReevaluateThis is the Everyman's guide to financial freedom. There is no need to get an engineering degree, take huge risks, or become a business tycoon. Rather, by working through these moderate and achievable steps, you will eventually reach your financial goals.Do you want to retire comfortably someday, perhaps while you are still young? Do you want to save for a deposit on a home? Would you like to one day get a more enjoyable job, or work part-time work?This book will show how everybody can reach their goals.I have never earned a high income. At age 40, I am semi-retired. I only take on employment when I choose to, for extra cash or to keep myself busy. My financial anxieties are far in the past.The Poor Man's Guide to Financial Freedom is the book I wish I had ten years ago when I began my journey to financial freedom. It is the distilled knowledge I have accumulated along the way, with all the myths, nonsense and distractions removed. No matter what your present financial situation or level of education, you will find this book highly readable and its steps helpful.Any young person who follows the steps in this book will reach financial freedom.

Financial Freedom for Beginners

Author : Nathan Bell
Publisher : Independently Published
ISBN 13 : 9781710555165
Total Pages : 178 pages
Book Rating : 4.5/5 (551 download)

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Book Synopsis Financial Freedom for Beginners by : Nathan Bell

Download or read book Financial Freedom for Beginners written by Nathan Bell and published by Independently Published. This book was released on 2019-11-22 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: The idea of financial freedom is a ripoff, and it only convinces you to invest without the benefit of profit. How many times have you heard words like this from an advisor ? It could be twice or more or never, it all depends on the category of people you have in your circle ; those people close enough to know your financial business. They know this because they have inquired into this particular subject matter and might believe this because they failed in carrying out the right steps and strategy to attaining a stable financial state at all. Every individual is interested in attaining the financially free status. Still, the fact that you desire this financially free status. Stillthe fact that you desire this financial status does not confirm that you would be successful in your strategy to attaining and sustaining it. Although some individuals like to present the idea that you can only achieve financial freedom if you are a retiree that has worked endlessly for a cooperation that has a retirement plan. This belief is a farce ; the option of financial freedom is available to every individual from every group provided you adhere to the strategies contained in this book. Even if you have lost your job and there is no hope for basic pay anytime soon , financial freedom is attainable for you. As an individual seeks to attain financial freedom, what does this book have to offer? - The steps and strategies to attaining and sustaining true financial freedom. - The possible income options that are available to maintain a financially free lifestyle or status. - The necessary steps to ensure that you are not at a loss in financial decisions. - The role of financial freedom in the economy of both retirees and non-retired individuals. This book aims at familiarizing every individual with the idea, strategy, role and importance of financial freedom to their economy and also to eliminate the belief that financial freedom is just a myth. Therefore, even if your expenses are higher than your basic pay or salary, financial freedom is still a feasible option for you if you decide to purchase this book immediately.

Build Wealth Now

Author : Matthew Outerbridge
Publisher :
ISBN 13 : 9781973528746
Total Pages : 157 pages
Book Rating : 4.5/5 (287 download)

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Book Synopsis Build Wealth Now by : Matthew Outerbridge

Download or read book Build Wealth Now written by Matthew Outerbridge and published by . This book was released on 2018-02-28 with total page 157 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you have trouble saving money? Do you want to retire early or become financially independent, but don't know how to get started?Do you want to discover time-tested techniques that not only show you how to invest, but how to retire early and live a fulfilling life without the fear of not having enough money? Most young people simply have never learned how to save money. Living from paycheck to paycheck, they wander from one financial fiasco to the next, never setting aside any money for the things that matter. This book will have you retire earlier than you ever expected.Retire by 35? You can do it! This isn't your typical early retirement book. It reveals some simple but effective mechanisms for wealth generation and saving that will make you rich, while other people are just getting started in their careers. While it does include some information about investing for beginners, it goes beyond that to outline a direct route towards financial freedom.The truth is, you can save ten times more than the average North American, without any struggle or FOMO. Once you learn how to make your money work for you, instead of against you, the life you've always wanted can be yours.In this book you will learn how to: Design a foolproof wealth generation system Earn significantly more than you do now Overcome negative habits and retrain yourself to be a personal financial guru Save more of your paycheck than you ever thought possible compound your savings into an early retirement nest egg so that you can retire young and retire happy Become an unstoppable millennial investor Go ahead, take a look inside the book. It contains some of the most important information you'll ever need to know about paying off debt, saving money and investing. More than that, it will take you step-by-step towards saving your first $100,000 without any scrimping or penny-pinching. But that's just the start. One financial secret that professional money managers don't want you to know could cost you $1.6 million dollars. Chapter 1 shows you how you can avoid this trap, which is designed to rob you of your future wealth. In Chapter 3, I reveal one of the most common misconceptions about wealth and saving. Just this chapter alone will provide you with the know-how and determination to retire 10 to 20 years earlier than the average person. It will provide you with the freedom and security to follow your passions.I also cover a broad array of investment vehicles such as: Mutual Funds and other active funds ETFs and Index Funds Individual Stocks Bonds Armed with this knowledge, you can match (or even beat) the market's performance and make your money work overtime for you. Without a clear plan towards building wealth, early retirement just won't work. Don't let your future slip through your fingers. It's time to overcome bad financial habits and start building serious wealth.

The Financial Academy

Author : Hunter Hazelton
Publisher :
ISBN 13 :
Total Pages : 78 pages
Book Rating : 4.6/5 (973 download)

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Book Synopsis The Financial Academy by : Hunter Hazelton

Download or read book The Financial Academy written by Hunter Hazelton and published by . This book was released on 2020-10-19 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you wish to stop working for money and instead start having money work for you, get out of debt and stop feeling scared about your ability to meet your financial obligations? And are you looking for a guide that will show you exactly what steps to take to secure your future, get out of debt and be financially free? If you've answered YES, keep reading... ★ You Are About To Discover Exactly How To Be Smart About Your Finances To Get Closer To Financial Freedom, Probably Retire Early And Start Living Life On Your Terms! ★ How fast would you want to increase your net worth, save more and secure your retirement? Right now? Good. How well do you understand your finances? I'm talking about things like how your cash is spent, how your debt is affecting you, how your investment portfolio looks like, how much you are saving towards retirement.... Not as well as you thought you did, huh? Truth is, we all want financial success; that is, be financially free for now, and be financially secure when retirement arrives. Unfortunately, very few of us are actually making an effort to follow up, invest, and address defeating factors like debt. Admittedly though, this area can be overwhelming, confusing and stressful especially if you aren't the typical "financial person." But that's why you're here, isn't it? If you are the kind of person I think you are, you might have been wondering: - How do I increase my cash flow and save more? - How do I address my debt to salvage more cash for my expenses and savings? - What is the best way to achieve financial freedom? - How and where should I invest to generate passive income? - How do retirement accounts work? If that sound familiar, then this book is for you! ★ This book is going to teach you everything you need to know to address your finances, invest more and secure both your present and future. ★ More precisely, you'll learn: ◆ How to make your budget that works ◆ How to make money on autopilot ◆ What you need to learn about assets versus liabilities ◆ How to reduce liabilities by addressing your debt and expenses ◆ How to approach and address the different types of insurance ◆ How to increase your net worth and lower your living expenses with house hacking ◆ How equity investments work, and how you can benefit from them ◆ How to handle retirement accounts ◆ How to get rid of your student loan quickly ◆ How to retire young, rich and predictably with "the formula" ... And much more! Chances are, you don't plan to work forever. Whatever your situation, one thing is certain: If you don't get your ducks in a row soon, you might never achieve your financial goals. Lucky for you though, this simple yet effective book is here for you, with the right strategies, tips and tricks to set yourself up for success, even if you've already tried everything! Don't wait... The information in this book could literally be worth THOUSANDS OF DOLLARS OVER YOUR LIFETIME! ★ Scroll up and click Buy Now With 1-Click or Buy Now to get started! ★

How Much Money Do I Need to Retire?

Author : Todd Tresidder
Publisher : Financialmentor.com
ISBN 13 : 9781939273062
Total Pages : 236 pages
Book Rating : 4.2/5 (73 download)

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Book Synopsis How Much Money Do I Need to Retire? by : Todd Tresidder

Download or read book How Much Money Do I Need to Retire? written by Todd Tresidder and published by Financialmentor.com. This book was released on 2020-01-02 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn how retirement really works before it's too late... "This book is the best I've seen on how to navigate the retirement savings question." (Forbes) Most so-called "experts" plug your numbers into a retirement formula to tell you how much money you need to retire. Unfortunately, the conventional approach is fundamentally flawed. If you fail to learn how retirement savings truly works, then you'll either underspend and be miserable or overspend and run out of money. How Much Money Do I Need to Retire takes you beyond the scientific facade of modern retirement planning. Author and former hedge fund manager Todd R. Tresidder has helped thousands of people find financial freedom through his website and podcast. Now you too can use his advice to take the guesswork out of your retirement planning. In this book, you'll learn: Why the best way to describe most retirement estimates is garbage-in/garbage-out The five critical assumptions that can destroy your financial security How to reduce the amount you need to retire by as much as $600,000 Three strategies to maximize spending today while protecting for the future How to calculate the amount of money you really need to retire on the first try without software, online calculators, or being a math genius Read this book to know more about your retirement planning than your financial adviser. Tresidder's book contains refreshingly straightforward, easy-to-understand, and concise advice on how to retire wealthy. This missing link of personal finance books will make you sleep easier. No retirement is secure without it. Buy the book today so you can retire with confidence!

Savings Fitness

Author : Barry Leonard
Publisher : DIANE Publishing
ISBN 13 : 9781422319024
Total Pages : 32 pages
Book Rating : 4.3/5 (19 download)

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Book Synopsis Savings Fitness by : Barry Leonard

Download or read book Savings Fitness written by Barry Leonard and published by DIANE Publishing. This book was released on 2007-12 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations.

Millionaire Teacher

Author : Andrew Hallam
Publisher : John Wiley & Sons
ISBN 13 : 1119356326
Total Pages : 256 pages
Book Rating : 4.1/5 (193 download)

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Book Synopsis Millionaire Teacher by : Andrew Hallam

Download or read book Millionaire Teacher written by Andrew Hallam and published by John Wiley & Sons. This book was released on 2016-11-28 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Adopt the investment strategy that turned a school teacher into a millionaire Millionaire Teacher shows you how to achieve financial independence through smart investing — without being a financial wizard. Author Andrew Hallam was a high school English teacher. He became a debt-free millionaire by following a few simple rules. In this book, he teaches you the financial fundamentals you need to follow in his tracks. You can spend just an hour per year on your investments, never think about the stock market's direction — and still beat most professional investors. It's not about get-rich-quick schemes or trendy investment products peddled by an ever-widening, self-serving industry; it's about your money and your future. This new second edition features updated discussion on passive investing, studies on dollar cost averaging versus lump sum investing, and a detailed segment on RoboAdvisors for Americans, Canadians, Australians, Singaporeans and British investors. Financial literacy is rarely taught in schools. Were you shortchanged by your education system? This book is your solution, teaching you the ABCs of finance to help you build wealth. Gain the financial literacy to make smart investment decisions Learn why you should invest in index funds Find out how to find the right kind of financial advisor Avoid scams and flash-in-the-pan trends Millionaire Teacher shows how to build a strong financial future today.

Guide to Early Retirement

Author : Incomes Data Services
Publisher :
ISBN 13 :
Total Pages : 124 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Guide to Early Retirement by : Incomes Data Services

Download or read book Guide to Early Retirement written by Incomes Data Services and published by . This book was released on 1981 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Guide to early retirement practice in the UK, with particular reference to related pension scheme and old age benefits - notes labour costs, examines redundancy, employee's Motivation and disability reasons for retiring early, and outlines characteristics of the job release scheme, phased retirement and flexible retirement age plans for aiding the transition from work. References.

Buy This, Not That

Author : Sam Dogen
Publisher : Penguin
ISBN 13 : 0593328787
Total Pages : 337 pages
Book Rating : 4.5/5 (933 download)

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Book Synopsis Buy This, Not That by : Sam Dogen

Download or read book Buy This, Not That written by Sam Dogen and published by Penguin. This book was released on 2022-07-19 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: SPEND YOUR WAY TO FREEDOM LIKE A TRUE FINANCIAL SAMURAI Sam Dogen, creator of the Financial Samurai blog, knows that you need to spend money to make money. He’s taught over 90 million readers how to invest wisely in all facets of life, from education to parenting to relationships to side hustles, even choosing where to work and play. Now, in his Wall Street Journal bestseller, Buy This, Not That, the Financial Samurai takes the guesswork out of financial planning and shows you exactly what to buy, how much to spend, and how to optimize every dollar you earn so you can maximize wealth building and live life on your terms. The good news? You don’t need to be a millionaire or a genius to achieve financial freedom. It’s about making the most of your money, now and forever—and it’s never too late to get started. You’ll learn: — The Financial Samurai’s 70/30 framework for optimal financial decision-making — What is “good debt” and “bad debt,” and the right way to pay down debt or invest — Strategies and tips for building passive income streams that work for your goals and risk tolerance — How to invest in real estate, even if you can't afford to buy property — Rules for spending—from coffee and cars to mortgages and marriage — And so much more!

Financial Peace

Author : Dave Ramsey
Publisher : Lampo
ISBN 13 : 9780963571236
Total Pages : 268 pages
Book Rating : 4.5/5 (712 download)

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Book Synopsis Financial Peace by : Dave Ramsey

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

How to Be Richer, Smarter, and Better-Looking Than Your Parents

Author : Zac Bissonnette
Publisher : Penguin
ISBN 13 : 1101580453
Total Pages : 250 pages
Book Rating : 4.1/5 (15 download)

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Book Synopsis How to Be Richer, Smarter, and Better-Looking Than Your Parents by : Zac Bissonnette

Download or read book How to Be Richer, Smarter, and Better-Looking Than Your Parents written by Zac Bissonnette and published by Penguin. This book was released on 2012-04-24 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Striking out on your own for the first time is exhilarating. But in a culture full of bad advice, predatory banks, and splurge-now-pay-later temptations, it can also be extremely dangerous—leading you to make financial decisions that could hurt you for years to come. Combine this with a slumped economy, mounds of student loans, and dubious examples from reality TV stars to politicians to your own parents, and it’s no wonder so many twenty-somethings are struggling. Twenty-three-year-old Zac Bissonnette—the author of Debt-Free U—knows exactly what you’re going through. He demystifies the many traps young people fall victim to in their post-college years. He offers fresh insights on everything from job hunting to buying a car to saving for retirement that will give you a foundation for a secure, stable, and happy life. In the process, he reveals why FICO scores are overrated, online job applications are a waste of time, car loans are for suckers, and credit card rewards are a scam. With detours to discuss wine connoisseurs, Really Broke Housewives, and Lenny Dykstra, Zac shows you how to make better choices today so you can be richer, smarter (and better-looking!) for years to come.

MONEY Master the Game

Author : Anthony Robbins
Publisher : Simon and Schuster
ISBN 13 : 1476757860
Total Pages : 688 pages
Book Rating : 4.4/5 (767 download)

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Book Synopsis MONEY Master the Game by : Anthony Robbins

Download or read book MONEY Master the Game written by Anthony Robbins and published by Simon and Schuster. This book was released on 2016-03-29 with total page 688 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Bibliography found online at tonyrobbins.com/masterthegame"--Page [643].

Quit Like a Millionaire

Author : Kristy Shen
Publisher : Penguin
ISBN 13 : 0525538690
Total Pages : 338 pages
Book Rating : 4.5/5 (255 download)

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Book Synopsis Quit Like a Millionaire by : Kristy Shen

Download or read book Quit Like a Millionaire written by Kristy Shen and published by Penguin. This book was released on 2019-07-09 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: From two leaders of the FIRE (Financial Independence, Retire Early) movement, a bold, contrarian guide to retiring at any age, with a reproducible formula to financial independence A bull***t-free guide to growing your wealth, retiring early, and living life on your own terms Kristy Shen retired with a million dollars at the age of thirty-one, and she did it without hitting a home run on the stock market, starting the next Snapchat in her garage, or investing in hot real estate. Learn how to cut down on spending without decreasing your quality of life, build a million-dollar portfolio, fortify your investments to survive bear markets and black-swan events, and use the 4 percent rule and the Yield Shield--so you can quit the rat race forever. Not everyone can become an entrepreneur or a real estate baron; the rest of us need Shen's mathematically proven approach to retire decades before sixty-five.