Would you like to know some of the key lessons learnt from spending 5 years in the Army? More importantly, do you think you can apply on of these skills to your personal Financial Management?
We thought we would try something a little different today and delve into the backstory of one of our associates Tom Gleeson.
You may not know this, but Tom spent 5 years in the Australian Army as part of an Infantry Battalion and joins us today to shed light on the lessons and habits he picked up during his time in the Australian Defence Force that he carries with him today.
Tune into the full episode to see how military training still plays a role in his work with Angel Advisory and in life outside of work.
Some of the key focus items are:
• Facing Challenges
• Punctuality
• Preparation
• Improvising
• Hard Work
• Organization
• Being Surrounded by Good People
If you would like further discussions on anything financial, please contact us at [email protected]
OR
Click on the link linktr.ee/angeladvisory.aus
Stefan Angelini
G'day, g'day. It's Stefan Angelini and welcome to another episode of the Real Wealth podcast with good old Tom Gleeson. Hey, mate.
Tom Gleeson
Thank you for having me. You normally do three g'day just did two.
Stefan Angelini
G'day, g'day, g'day.
Tom Gleeson
Thank you.
Stefan Angelini
So those of you who didn't know, yes, look, we are financial planners. And Tom went through a period when you're in the army representing Australia. So look, that's a pretty interesting story and I want to know more about it. And eventually, maybe we'll see how it lates back to finance, if any, he does.
Tom Gleeson
Yeah, for sure.
Stefan Angelini
But, mate, tell everyone out there, so what is your story?
Tom Gleeson
So joined the army in 2014. And the quick summary is joined up, went to Wagga, spent three months training there, moved on. I chose Infantry, so I moved on to Singleton. Sorry, spent six months there in New South Wales and then got posted to Darwin to join the Fifth Battalion. And in my time there, so in total, five years in my time, the majority of that in Darwin, in my time, posted to Darwin, did a little bit of training in Indonesia. Then in 2016, '17, spent six months in Iraq. And yeah, got out 2019, called Stef. Now I'm here.
Stefan Angelini
Came into find him. Just missed the books.
Tom Gleeson
Yeah.
Stefan Angelini
Missed the books.
Tom Gleeson
Yeah, 100%.
Stefan Angelini
So learns how to shoot guns.
Tom Gleeson
Yeah.
Stefan Angelini
Learned how to train hard.
Tom Gleeson
Yeah.
Stefan Angelini
Learned that boys that went to private schools in Melbourne, probably not the best drinkers in Australia.
Tom Gleeson
No.
Stefan Angelini
Probably got panned to the bit by boys from country New South Wales.
Tom Gleeson
Instantly. Yeah.
Stefan Angelini
But learned a whole bunch of things that you would have seen in movies, like how to make a bed. Oh, that's important.
Tom Gleeson
Yeah. Yeah.
Stefan Angelini
Waking up early.
Tom Gleeson
Yeah. Still like that now, actually. I like it.
Stefan Angelini
And why on earth would people walk 40 kilometers with a 50 kilo bag on their back?
Tom Gleeson
I told you it's 36.
Stefan Angelini
36 kilo bag, all right. I like it to add Gst. So some of the points we'll be talking about today was, I guess we're going to look into what are the points he learned from the army that he likes to bring into everyday life. And if you're just an information buff. This is a different world for me anyway.
Tom Gleeson
Yeah.
Stefan Angelini
To hear about the things that you do and I will guess why it's important. And then we're going to see if it relates back to financial management. Is that cool?
Tom Gleeson
Yeah, that's cool. I've heard a 100%. I've heard that before. It's a different world, which is until you know someone who's done it, it's tough to get a bit of an understanding. I've got a bit of a list of things. It's not an exhaustive list by any means, but the idea is that I give you a little bit of a snapshot because if you don't know someone who's done it, it's sort of hard to get a read on what it's like because it's a mixture of plenty of good and a little bit of bad.
Stefan Angelini
And if you're lucky, we might finish with an arm wrestle. Just see who's actually standing up.
Tom Gleeson
I did not commit to that.
Stefan Angelini
All right. So if you're hanging on for the full podcast, that was just an introduction. If you want to access the full podcast, head on over to the Real Wealth podcast with Stefan Angelini and Tom Gleeson. What are we on? We're on Spotify podcasting and YouTube. Anywhere else you can find us.
Tom Gleeson
Yeah.
Stefan Angelini
Good. All right. So tell me mate about some of the key things that you learned while in the army.
Tom Gleeson
Yeah. So I suppose this goes semi chronologically because the first major one was from the beginning, being not in a military lifestyle, nor was anyone around me, none of the guys or girls that I joined up with. A big eye opening moment is the challenges that they throw at you. So basically every day started with in training. Every day started with, here's what we're doing. And my instant reaction to that was, isn't that just there's no way I can do that. I cannot do that. Full of self doubt and I assume I can't speak for everybody else, but I assume other people are in the same situation. So just by sheer weight of numbers, they throw these challenges at you. Sometimes they're a bit grim, but you make it to the end. And over time, without even realizing it, you're raising that self doubt and sort of building a bit of confidence and just a different attitude towards those moments where you go, This is just too much. I don't know about this.
Stefan Angelini
Yeah.
Tom Gleeson
It happens enough that after a while you run out of steam and you go, I can't be bothered being stressed about this anymore. I'm not anxious, I'm not bothered. It's just another day of some pretty weird shit that they're going to throw at us.
Stefan Angelini
Yeah.
Tom Gleeson
And I'll get to the end. I'll get to the end, it'll be fine.
Stefan Angelini
There's that many different things they throw at you and make you do.
Tom Gleeson
Yeah, and they're not all a long pack march. So throwing a semi automatic rifle in my hands and going, if you don't pass this test with this score, you're not going anywhere. You're not leaving, you're not progressing and I thought that was tough. I mean, it wouldn't have been to all the country kids, but I was terrible at it.
Stefan Angelini
So you got to tackle it head on.
Tom Gleeson
You just stop being stressed about it. So you kind of end up looking forward to new challenges, which I suppose we'll get into that why that leads into where I am now.
Stefan Angelini
Yeah.
Tom Gleeson
But that was a lesson that I really enjoyed was I can't be bothered being anxious about this. Let's get on with it.
Stefan Angelini
And then what about, I guess the next one would be punctuality.
Tom Gleeson
Yeah. So I mean I have a bit of a different take on punctuality because there's not myths, but there's a perception around punctuality that I've heard plenty of times before, which is a reason for being punctual is it shows respect or shows how much respect you have for the person that you're with, the person that you're meeting, the person you're engaging with, whatever. And I don't necessarily agree with that one. Like case in point, I just spent Christmas in New York with my brother who's moved there. And in that time, I saw him nearly every day because it was three weeks. It was great fun catching up with him. And one time I organized to meet at Madison Square Garden. We were going to go watch the Rangers. I was 20 minutes late. It's not because I love him with my whole heart, but I had to catch a train there. And I don't know the New York City subway system. I was late for a different reason. It's not a reflection of what I think of him. So that's not why I find punctuality important. The reason it's important to me is because whenever there's a plan and whatever field you're in, it could be take the gun pit on the top of that hill, or it could be me and Stef are heading down the road to meet someone for lunch. They're both planned. Right? At some point, something's going to go wrong. Nothing ever goes to plan. That's just the way it is. When that happens, if I'm early, at the very least on time, but if I'm early, I get first access to that new information. When it comes to, Well, what do we do from here? How are we going to handle this? What are we going to change? I'm probably making those decisions because I was there before anybody else. The punctuality is a way of walking into a situation with confidence, being like, Whatever happens, I'm going to know first, and then I'm reacting, and that's why I like it.
Stefan Angelini
Don't think about that. That's good. That's a great point.
Tom Gleeson
You are punctual, though, but do you just do it? You've never thought about why you do it. You just do it.
Stefan Angelini
Yeah. Well, I'm more the respect thing, but now you think about it, that being punctual, to be privy to information from the start.
Tom Gleeson
100%.
Stefan Angelini
It's great. I'm getting a much better way.
Tom Gleeson
Yeah. I'm going to get the new information before anybody else, and that just gives me a bit of comfort.
Stefan Angelini
Yeah, that's right. Rock up to a party? Party. Well, you guys know it. We're actually going over to this house now. Yeah. Great. You lock up late, no one's there.
Tom Gleeson
You would have been the same as me when people were like, Oh, the party starts. The invite says 7:30, so we get there at 9:15. And I was like, Let's get there at 6:30. What else are we doing? Anyway, that's a different issue.
Stefan Angelini
What about preparation and being prepared for things?
Tom Gleeson
Preparation. So this, absolutely, with a caveat, not a caveat, but preparation goes hand in hand with one other thing, which I'll get to. But preparation, if the situation allows for it, preparation and rehearsal, really important, really good qualities to have. Something that I learned in my time in Darwin. When the situation allows for it, if you can be prepared, if you can rehearse situations that you know you're going to be in. The army examples would be section attacks, pretty obvious one. Because we know that's something that we're going to be doing, that's something that we rehearsed constantly.
Stefan Angelini
What? A section attack?
Tom Gleeson
Yeah, sorry.
Stefan Angelini
Honestly, a pretty common one. I don't know what a section is.
Tom Gleeson
Yeah, sorry. Lingo. Section, eight or nine man section. You got gunners, you got everybody else has rifles.
Stefan Angelini
Yeah.
Tom Gleeson
But you move around, you operate as a section within a platoon. Platoon is just made up of multiple sections.
Stefan Angelini
Okay. Think of it like the Ford line. The team is not the Ford line. The team is Geelong, but they have a Ford line. They do something within that unit while the mids do something and the backs do something. I'm in a section, and anytime you hear a round crack off, there's an exact process that you run through. No matter what, everyone knows their job, and it's not because we're making it up. We've practiced it to the point of literal heat exhaustion. It happened a lot in Darwin. Not to me. But the gunners know what they're doing because they have an area weapon. So they're suppressing. Now, the rifles are moving up. Glas are popping off grenades. I won't get into that side too much. But the point is, when an action takes place, our reaction is rehearsed. If you can prepare and if you can rehearse, there's things that we rehearse because we know we're going to be doing it.
Stefan Angelini
But you can't always be prepared, right?
Tom Gleeson
That's the thing. That's why this goes hand in hand with what I would call coughing it. So winging it. So there's a time for preparation rehearsal. There's a time for just making it up. And the reason that the thing that I was
Stefan Angelini
Just making it up,
Tom Gleeson
Just make just getting on with it.
Stefan Angelini
Yeah, just do it.
Tom Gleeson
Yeah, act.
Stefan Angelini
You've done enough of it. You got most of the information that's ready, then you just got to go now we got to do it as an example. What would be an example?
Tom Gleeson
Well, sorry, before we go to that, the thing that the reason I always come back to this is because of the saying that I heard that an 80% solution right now is better than a 100% solution. Two weeks in two weeks time.
Stefan Angelini
Yeah. Okay.
Tom Gleeson
So what are we going to do now? Let's go. Now. It doesn't help me if you tell me the perfect course of action when it's all too late.
Stefan Angelini
Because in the army, something might have happened in that instance, 100% to help them prepare themselves.
Tom Gleeson
And we're acting. We're getting on with it. So I'm looking at who's got an answer for me now? It doesn't have to be perfect. I'm going to pick one that's really good. It's not perfect, but let's go. Let's play footy is that old saying like that.
Stefan Angelini
So people I guess rather than working hard and just training a lot to get it done, you work smart, right? Work smart or work hard.
Tom Gleeson
This is the one. This is another one that I heard, but I really don't like this one. I think a lot of people would have heard, don't work hard. Work smart. Have you heard that one before?
Stefan Angelini
Yeah, too often, too.
Tom Gleeson
Okay, good. So I'm not the only
Stefan Angelini
I'm not smart, so I work hard.
Tom Gleeson
I heard it in military circles, and I really didn't I didn't say anything, but it just causes waves. But I used to hate it because I just think anyone can work smart. If you have the time allowed and you have plenty of rest and you've got a roof over your head and you've got access to people, access to experts, case studies, examples, you can get advice, then anyone can work smart in that sense. And what I'm looking for, what I really value, is the small percentage of people that can work hard when they've got their back up against the wall and they don't have all those luxuries, who's going to dig their heels in and just get it done. So I used to take that and just flip it when superiors were like, remember, it was just a step short of saying take shortcuts. They would say, don't work hard, work smart. And I thought, no, we're going to work hard.
Stefan Angelini
Yeah, we should. It's a fan. We're going to work hard.
Tom Gleeson
A 100%. Also, I never thought but I probably don't fall into the super smart category, so I had to work.
Stefan Angelini
That's it. Yeah. We don't get much sleep.
Tom Gleeson
Yeah.
Stefan Angelini
Yeah, we've got to work harder.
Tom Gleeson
Yeah.
Stefan Angelini
All right. So, look, we always see in movies that I guess people in the army are super organized, make their bed, fold their underwear. How does that relate to you? Are you a fan of that?
Tom Gleeson
Yeah, I'm a bed maker. I'm a folder of everything. How much detail should I go into? I've been criticized a lot by members of my family for the way my cupboards look, which I thought was harsh criticism from my little color coordinator and my little sister. 100%?
Stefan Angelini
Yes.
Tom Gleeson
So everything's folded in its types. I'm going too far. Anyway, I fold my clothes. I'll leave it at that.
Stefan Angelini
Okay, fold your clothes and make your bed. As a grown man.
Tom Gleeson
Make the bed 100%. Actually, I was talking to someone just before we came in here, and I had to say, look, sorry to run, but we're going to film this podcast. We're going to talk about some stuff I learned in the army. And she said, I'll make sure you mention making a bed, because I never thought much of I thought it was just it's just a job. It's the thing on the to do list. It's something that you do, but apparently when I do it without the cheat sheet, you know, the fitted sheet.
Stefan Angelini
Oh, yeah.
Tom Gleeson
Apparently, it's pretty poetic. So, Ms. Bezman, thank you for the shout out, but, yeah, 100% bed making.
Stefan Angelini
And what about the people you get it done with? Because life can get pretty hard in the army. I could imagine. How important is it to have good people around you?
Tom Gleeson
Yeah, well, I can never claim that it got too hard because of the people that I had around me. A lot of these lessons that I've just rattled off, and again, not an exhaustive list, but some good examples, I hope. A lot of these lessons were some days they were pretty hard learned and it made it a lot easier, which is why I want to give a shout out to Goldie, Mac, Teagues, Downey, Buddha, and Dill. So just a few people that were able to make it fun, which it shouldn't have been. Should have been terrible, but, yeah, they were real assets I have on my side and could always make a joke about the worst possible situation. So no complaints about my time because I had those guys with me.
Stefan Angelini
Good aussie names too.
Tom Gleeson
Well, yeah, sorry. There was a few nicknames. I'm not going to rattle real names. They might be like, Leave me out of it.
Stefan Angelini
Thanks, Stefano. No, that's cool, man. That's some really good insights into, I guess, the army life. I mean, if you got to learn how to shoot a gun and protect the country and what to do when someone's shooting balls at you, all those sort of playing part. But now let's get into sort of how taking some of those into financial management, how they relate. Do they relate? Yeah, and let's just unpack it right.
Tom Gleeson
Yeah, for sure.
Stefan Angelini
All right, so let's go into first one. Enjoying the challenge, removing self doubt.
Tom Gleeson
Yeah. So I think the biggest, the most common reaction I got when I came back to Melbourne and I thought, well, I've got to do something for work, I ended up following my dad's footsteps. I started studying in finance initially just to sort of have a look around, and then started working, tied in with study, and I haven't looked back. I absolutely love it. But there was a real distinct reaction of infantry and now finance. That's not going to be easy.
Stefan Angelini
Yeah.
Tom Gleeson
And I kind of thought, yeah, that's the point, though. It'll be more fun if it's not terrifying, a step down from terrifying if it's exhilarating. And it's a steep learning curve, which it is. There's a lot to take on. I don't have ten years of experience behind me because I was in the army, like,
Stefan Angelini
Yeah.
Tom Gleeson
Running around. But I like that part of it, that it's a lot of new information and it is a new challenge, and it's not like I said before, I could wake up every day and lose my mind and stress about, well, what if this goes wrong? What if I'm left in this situation? But I kind of enjoy it, it's good fun and I've got a good safety net.
Stefan Angelini
But in financial management enjoying the challenges, there's always going to be like a different asset class or something's going to pop up or banks going bank or banks going bad. Silicon Valley bank on belly up. And all these different things are going to get thrown into it and but just embracing it and enjoying it and rolling through it, these things happen, but you just got to be able to push through it is one of them. But also, if there's like a fancy situation that arises in our industry, at least, you got to be willing to get in and do the research and know this is going to be tough to figure out, but I'm really looking forward to figuring it out. And while you might get called a bit of a geek or a dork for really enjoying to read legislation and tax rulings, you know it is quite when you get to the understanding of it and enjoying it, taking on the chin and going, right, I found the resolution, I actually did it and I'm here. It's fun, it's good, it's great. So that's how it sort of relates back to financial management. Enjoying it, enjoying the challenge.
Tom Gleeson
When you said geek, were they stories from real life? Have you been called that?
Stefan Angelini
Yeah, my wife picks on me all the time.
Tom Gleeson
We'll talk about that after I get a box of tissues. We'll talk about it after.
Stefan Angelini
Punctuality being first access to new information.
Tom Gleeson
Yeah, I think that comes into play. I mean, you could probably talk to that more than I can at this stage, but first, access to new information pretty important. I mean, there's a market update every single day. That's your first in there. You're also earlier than me, which I find troubling because I've previously been the earliest at every place that I've worked. And then I come in here, I'm like, 7:15, that's pretty good. Open my laptop, email from Stef 5:08. I'm like, what are you doing anyway?
Stefan Angelini
Get it done. So, being early first, access to information. Like, I like to listen to Bloomberg News at 05:00 a.m. in the morning from the US. I guess doing the research, legislative changes, gives you an ability to act on information as well in the industry. Like $3 million, super transfer balance cap, keeping up to it. So I'll just wait until it's too late. I actually did my research early on. How will it affect people? I guess that's sort of how it relates back to being punctual, understanding information, be willing to take on information to be fully prepared for what to do next. And it goes back to just knowing people's situations as well.
Tom Gleeson
Yeah.
Stefan Angelini
If you get there, you gather all the information you can because you're on time limits. You don't get caught up talking about too much shit. You can have everything available to you. And I guess that goes into sort of preparation
Tom Gleeson
For us 100%.
Stefan Angelini
Yeah, preparation.
Tom Gleeson
Where possible, because it's the same. The point of these lessons is hopefully that they can be applied anywhere. So they were learnt on the end of a rifle, but they could be applied here now, preparation when we can. We love to be prepared. And rehearsals, there's things that we know that are non negotiables, right? We do with every client because that's how we operate, that's how we have to do it.
Stefan Angelini
Yep.
Tom Gleeson
So we rehearse that stuff there's also. Then I will go into the next slide. So you got prepared, so preparation, right?
Stefan Angelini
And knowing the process, I'm going to say what to do when that's case. So that's important because you've got well, we know that if we want to do this kind of financial strategy, we need to do this and this and this and this and this. People are going to go, Why do we do it this way? Because we've done it 100 times. What's going to mess up? We've done it 100 times. We know it's going to play up here. You're not going to do this. We need to start doing the process in April to be ready for June.
Tom Gleeson
Yes.
Stefan Angelini
So by doing it enough time and that's why I say in advisory anyway, or managing your finance, it's tough to just jump in and become an expert.
Tom Gleeson
Yep.
Stefan Angelini
Right. Because I feel like you got to jump through the hoops and get it done multiple times to understand how the process really works.
Tom Gleeson
Yeah.
Stefan Angelini
Before you can start talking to people about the process and how to do it. And that's what it takes. So if you got your little platoon or your fall line and you get shot at and you know how to respond to getting shot at, well, it's a bit different in finances, but we get a situation. We know how to manage that situation from end to end.
Tom Gleeson
Yes.
Stefan Angelini
Because of being prepared and just, I guess repeat, repeat, repeat, repeat, repeat. That's it.
Tom Gleeson
And the big one you mentioned, the pitfalls.
Stefan Angelini
Yeah.
Tom Gleeson
How did you know this was going to go wrong?
Stefan Angelini
I've done it before.
Tom Gleeson
It always falls down at this part because of whatever, that's it.
Stefan Angelini
100%.
Tom Gleeson
And we don't have frantic at the end of June. We do not have frantic end of Junes because we get cracking on it early.
Stefan Angelini
Try.
Tom Gleeson
Yeah.
Stefan Angelini
Try. So already doing end of financial year tax preparation.
Tom Gleeson
There you go.
Stefan Angelini
But sort of cuffing it is a bit different in our industry. And let's say that cuffing it, we don't like to do it, but sometimes you have to do it.
Tom Gleeson
That's the point. You don't. It's not something that you factor in you go, I'm just going to
Stefan Angelini
on Wednesday
Tom Gleeson
I'm not going to prep a lot of it, but sometimes the situation calls for it. You got to be able to jump in there and act or react. Not plan, not ask questions. Act or react.
Stefan Angelini
So you got like you're operating a business, you're selling property, you get negotiations start happening, people ask you a question or they say, you need to answer this question within 24 hours, or you to I need a response done within 24 hours or this negotiation period is ending, what do I do? You got to take what you've got on hand and be able to try and implement it. And if you can't do that effectively by trying to draw on as many things you can, and that's where having a knowledge base is important too, about different scenarios. That's got to lay to effectively go for it and it is you're right. Rather than saying that's too hard to get back to them next week, you're going to lose a deal, you're going to lose something. So be able just to go for it and then making sure you can figure out the 20% of the information in that. Work hard, work smart. Look, you can try and take shortcuts, but sometimes you've got to get in get it done diggy heels in. And if you're doing tax planning assessments, making lodgements to the ATO, following things up, it's easy just to lodge something and not follow it up, but you don't know if it's done yet. So follow ups and just going through an entire process, I feel is important in management.
Tom Gleeson
And how is that going to look when you turn around and go, oh, they said it was done and it wasn't. It's like, well, did you check?
Stefan Angelini
Yeah, that's it.
Tom Gleeson
It's worth pursuing, it's worth avoiding that shortcut temptation.
Stefan Angelini
But why do you think folding your underwear and being color coordinated and having so reason, if anyone out there doesn't know the reason, I said, yeah, Tom, I'd love you to come work with me because when we caught up, he told me he folds his underwear and is meticulous about the way he folds his clothes. And I am exactly the same and I know that that just pays off dividends in my life. Why do you reckon I would say that?
Tom Gleeson
Why do you would say that?
Stefan Angelini
Why do you think I value that someone else makes their bed, fold their clothes?
Tom Gleeson
I think I know it because I've seen it. It's the sheer amount that we have going on, it's the amount of stuff coming in and going out. If you're not being organized on being on top of it, whether it's folding your clothes or dealing with this just wave of information coming in at all times and from all different directions, you're going to end up in a mess. So it's that impulse to organize things regardless of what the thing is.
Stefan Angelini
Admin game, I reckon admin game is so important, like getting that admin game right, knowing where to find information when you got a whole lot of things going on, go, I'm going to pick out this and I know exactly where to find it. When you can't spend 30, 45 minutes looking for something, I believe, like any older, successful person that, you know, have a look at their admin game and how they organize things and how they like things kept in different areas, have a look at that. Because they understand the value they've been through, the stresses of not being organized and when you are organized, it just makes life more clear and you can operate with more clarity. So it's super important, our industry, anyway, and finally having good mates around you and getting it done. Why I think like these good blokes, good, great blokes, great blokes.
Tom Gleeson
Great blokes.
Stefan Angelini
Would you tell it to their face?
Tom Gleeson
No, tell them all the exact opposite. On an almost daily basis, you should hear the best, the best, most glowing report you'll hear is about each other when they're not around.
Stefan Angelini
Yeah.
Tom Gleeson
And then they roll and it's back to
Stefan Angelini
Good. I like that. And why I say that is because I guess surround yourself with the right team of people you want to work with who are good people, who end of the day, when even when things might be shit in the financial arena. You can turn to them, get their advice, and be able to have a beer with them, knowing that you're not just coming to them because they're really smart, you actually get along with them. So that's why we pride ourselves on being great blokes over here. So good people, because we'll have a female as part of the team one day. People, good people with good values. And that's why I think everyone in the army that you went in with anyway all have the same values.
Tom Gleeson
Yeah.
Stefan Angelini
Let's be crazy and do whatever we can to protect each other, because we're each other's best mates. That's it.
Tom Gleeson
And I was just running just to try to keep up.
Stefan Angelini
I've really enjoyed, sort of unpacking what you learned. I don't have any experience in handling a gun or that's why I didn't understand what you meant. When someone pops off a shot and you got the sorry, I swore I wasn't going to do any lingo and then I just powered straight over that. But hopefully the forward line backline thing helped describe a little bit of how it operates.
Stefan Angelini
Cool, man. Awesome.
Tom Gleeson
I'll find out in comments if people like, what's up with Tom? Did he said like?
Stefan Angelini
Cool. I said SVB. No one even knows what that is Silicon Valley Bank.
Tom Gleeson
Yeah.
Stefan Angelini
Anyway, NCC non concessional contract. Anyway, that was cool. Unwrap it, man. So something a bit different. Hopefully you can take some of those lessons into your own financial management as we implement here at Angel Advisory. So if you got any questions on how to shoot a gun, reach out to Tom. If you've got any questions about your personal financial management, reach out to [email protected]. Thanks, brother.
Tom Gleeson
Thank you.
Stefan Angelini
All right, well, thank you for listening. See you later. Cheers.
Tom Gleeson
Bye.
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