 We can avoid all of these things if we have a plan in place. That's why rule number two is so important. You have to have a written plan if you're out there listening and you don't have a written plan. You don't even know what a written plan might look like. Well, this is probably why you may feel yourself as being part of that category of 60% of Americans who are anxious about their personal finances. Having a written plan is so important. And number three, avoiding financial double talk. We know that if we're working with somebody, an advisor out there, we've