One of the things I've heard you say in the past is that one of the only ways to make money is to be non-consensus. It seems like you have a lot of non-consensus takes in general. So I don't believe what someone pushes in front of me. I want to do my independent homework, and I want to do my homework by going to experts, not my friends.

One of the biggest differences I notice in the millennial generation versus a baby boomer is that baby boomers go to experts. For advice, whereas millennials, my kids are millennials, they go to their friends. Well, what do your friends know? It makes no sense to me. I would go to my friends to find the experts, but I wouldn't go to my friends for advice.