 and you need to be and i'll tell you why in a minute okay so what you're looking for is go to ramsey solutions dot com and click on smart investor pro and find the pros in san antonio and talk to a couple of them and interview them and decide who you want to work with what you're looking for someone you're comfortable with and here's what's really important and we try to not have any smart investor pros that aren't this number one they're going to teach if you go to our smart investor pros the people we recommend