five or ten years, even longer when it comes to letting that money grow >> i wonder, lazetta, through example sometimes? do you need kind of prominent african-americans to, maybe make this point more? especially the younger people that they kind of get familiar with this and aspire to it >> yes, but it's exposure and trust. you know, being in a community where people really understand how to vet and feeling like you can ask, financial planners like myself, how do i get started it takes small steps and we can do it together and grow that wealth there's no minimums out there for a lot of financial advisers, as well, i'm one of those. let's take what you have, put it to work. let it grow for you. >> having that partner, it's so key and that's the role that you serve for so many of your clients and people you speak to. people need to understand, that's also critical because you're investing in yourself but investing for long-term but you need someone to help you stay accountable and make sure you're doing what you are supposed to do, whether you use an app or a real life human adviser. yo