How do I even think about why I should invest and how to invest? How would you start that conversation with them? A lot of it comes from what that person already knows about the markets, investing, trying to understand kind of where they are. There are a few quite important decisions you need to make when you're thinking about building a portfolio.

The risk you're taking on from a few different aspects, right? There's the kind of the risk you want to take on and the risks your financial situation will allow you to take on. And then there's kind of given that risk, what's the mix of investments that make sense, you know, to kind of achieve your goals?