What is the biggest dividend investing mistake you’ve made? Share it in the comments! 👇

@SlotNutz

17 күн бұрын

Ryne - really appreciate your videos, insights and spreadsheets - thank you for all you do! Biggest dividend investing mistake? Investing too large of a percentage of my portfolio in one high dividend yielding stock with no real share price movement and missing out on diversifying those funds to other quality dividend stocks with very respectable share price appreciation. When it comes to both life and investing, TIME ALONE IS IRREPLACEABLE - DON'T WASTE IT!

@justinserra4844

17 күн бұрын

hi. love the vids and watch all them when i can. Your list of companies with declining dividends and general bad choices would be a good thing to make public or have a more over all video on. something the group can use and expand on to help out others on there own research. anyway keep it up.

@joptech5308

17 күн бұрын

Buying IRT.

@ericjones2404

17 күн бұрын

I owned AMD and NVDA in 2015 to 2018, but my mindset was that a company isn't safe if they don't pay a dividend. I made a few quick bucks and got out to put my money in stocks like AT&T and Verizon. That may have been alright if I were in my 60s and ready for retirement, but I was in my 20s and I lost out big time.

@ebros5684

14 күн бұрын

@@rynewilliams being timid in deploying capital. I've been able to beat the market just barely over the last 1.5 years but could have really beat it if I had put more in Texas road house, and Microsoft. Was trying to spread some out to reits in my Roth that haven't hardly moved but do pay good dividends.

Cheers man! As a lifetime reader and learner investing has provided this incredibly positive and empowering framework through which to learn about the world we live in. You got any book rec's for specifically dividend investing? Have read Random Walk, Psychology of Money and Simple Path but want something more specific to the dividend growth game! Thanks again man keep up the great work!

@rynewilliams

14 күн бұрын

Man thank you! I actually haven't read any books specifically on dividend investing. I have a couple that I'd like to read though and I'll share those here: The Ownership Dividend by Daniel Peris Dividends Don't Lie by Geraldine Weiss

@fugazishoegazey648

13 күн бұрын

@rynewilliams Awesome thank you! Just looking for anything about individual stock investing/value investing. Will definitely add those to the tbr.

@rynewilliams

13 күн бұрын

@@fugazishoegazey648 I actually just picked up the ownership dividend and might start going through it here in the coming days

@fugazishoegazey648

12 күн бұрын

@@rynewilliams nice enjoy - damn this Peris guy loves writing about dividends!

1st mistake: listen to youtubers and buy the stocks they suggests 😂

@AbdulSalam-zt2kz

17 күн бұрын

@Info_rynewilliams_HostLinedont know what is private coaching program. I’m still looking for the youtuber who suggested to buy VFC two years ago. Maybe now is a buy.

@MassManicMedia

16 күн бұрын

Would reading a book be a better option? You can't learn from other people's mistakes and experience because it's in video format?

@arigutman

15 күн бұрын

The deal is simple: everyone must do their own due diligence. Even if KZreadrs share a stock idea, we all have different takes on the business, conviction, timelines and goals!

@jweezy5490

15 күн бұрын

1st mistake is not investing in a stock market that has been going up for over 100 years 😂

Buy quality companies at OK prices. Hold long term. Better yet. Buy the indexes. A simple 3 fund portfolio is great. VOO/VTI, SCHG/VGT, SCHD/DGRW. Weight them to your preference. Live your life.

@jackmack276

17 күн бұрын

I embrace the 3 fund. 100% agree with you. It's not exciting, but it sure is effective.

@jortega61924

14 күн бұрын

Out of these six what 3 would you go with ? To create a killer portfolio

just bc a stock is a dividend king, doesn't mean you wont loose money on it. My mistakes were: Walgreens, 3M and prob some other ones

@rynewilliams

17 күн бұрын

True that!

Lol don't buy every dip or you'll run out of chips to dip 😂

Pretty much everyone I try to talk finances with of all ages has no idea what any of it means and doesn’t have a IRA :|. It’s a little disconcerting.

@rynewilliams

17 күн бұрын

They'll have to come around to it eventually!

@Nick-zd4cr

17 күн бұрын

Max out roth 1st.... can't believe people don't do this smh

One of the things I’ve learned is that when a company has a super High Yield and a terrible Payout Ratio (either Dividend/FCF or Dividend/EPS) that means it also has a terrible management team that can’t understand that their company should NOT pay any dividends if they can’t afford it. And that’s the worst problem any company can ever have

Bros killin’ the KZread dividend investing channel gig 🤙

@rynewilliams

14 күн бұрын

Thank you!

@mitchmcturtle6890

14 күн бұрын

@@rynewilliams 🤙🤙

Can we all agree that the best time to buy a dividend king was 50 years ago??

@rynewilliams

17 күн бұрын

If only we could go back in time!

Love it, point 5 is completely true, I always felt weird around my friends who dont invest, can't talk about dividend with them, and they even look at me like idiot, " so you get just 26$ a month from xxxx". Happy that I found your channel

@rynewilliams

17 күн бұрын

Thank you so much! Keep trying with your friends...hopefully they'll come around at some point

@Skalkservative

17 күн бұрын

Yeah same here man that’s why I love these chats, I only have one friend at work that invests too I’m trying to get other people into it but they’re just not interested it makes me sad 😢I feel like a stock nerd 🤓

@industrialpalletworx3548

16 күн бұрын

100%. My family and friends look at me like I'm on something. I'm up to $82 a month, and it won't be long where there going? Wait a minute, how are you making that much? That will be a great day.

@Skalkservative

16 күн бұрын

@@industrialpalletworx3548 I know right you’re tryin to tell your friends that they should be letting their Money grow tryin to show em some stuff and they just look at you like you’re not speaking English then they just keep going through random reels on their phone 🤣 at this point im like “your loss”

I relate a lot to mistake #1. My worst buys to date where LEG and WBA. I've lost around 50% on both, even counting the dividends they paid me. The good thing is that they are a very small part of my portfolio, about 3% together. The other good thing is that I learnt a very valuable lesson without losing a big chunk of my portfolio. No shame in making mistakes, we've all been there and as long as you learn something, it's still a positive experience. This is a very well made and important video for sure, thanks Ryne!

@industrialpalletworx3548

16 күн бұрын

No doubt about that. There can be a silver lining in those losses. Saving on your tax bill by taking the loss and locking minimizing your losses further.

@rynewilliams

14 күн бұрын

As Russ would say, it's just the price of tuition!

@industrialpalletworx3548

14 күн бұрын

@@rynewilliams that goes for anything

Great reminders for us all Ryne. Thank you for sharing. Of the 60 stocks my channel focuses on, only 10 are for current income seekers (high yield). Reason being is there simply aren't many stocks out there with dividend growth history, market capitalization and a current high yield. For every MAIN, O, MO or ARCC out there, there are about 50 yield traps.....looking at you Yield Max funds. Ha! My biggest mistake was thinking MMM wouldn't cut the dividend. Still don't think they needed to, but I held it forever and finally dumped it when I got the SOLV shares from the spinoff and moved all of the money elsewhere.

@rynewilliams

17 күн бұрын

Thanks for sharing all of that. Great point about the MAINs and Os of the world…fortunately the yield traps can be pretty easy to spot

Really good advice..thank you. :)

@rynewilliams

17 күн бұрын

@@Mary-zi7yw thanks for tuning in!

Thanks for sharing your lessons with us!

@rynewilliams

14 күн бұрын

Thanks for watching man!

As of now, 3M's P/E ratio is negative.

Not starting earlier. How did you miss that step. 1st step start early.

@rynewilliams

17 күн бұрын

Ahhh yea that would’ve been a great one! We all wish we’d started earlier

@SewingBoxDesigns

17 күн бұрын

I'm in the process of nagging a 30 year old friend to start. The old live forever factor is like a brick wall. Yet I know of a guy who started in college and is heading for billionaire in his 40s simply from stocks. 🤷🏼‍♀️ Let's just say, that student loan didn't go to booze and bi*ches. 🤣

@Blittsplitt5

17 күн бұрын

Starting dividends investing at an early age doesn't make sense unless you have money to start with.

@PMTP1990

17 күн бұрын

That’s definitely my biggest mistake!

@Skalkservative

17 күн бұрын

Yeah I remember I turned 18 in 2008 during the crash, my dad told me he’d been putting 100$ a month into MSFT and SBUX he gave it to me, MSFT was 24$! SBUX was only 9$!!!! I sold them in 2015 after they had tripled to pay off credit card debt, waited 4 years after that to start investing again, as soon as I found out about Robinhood I was off and running the apps really make it easy for anyone to get started

Great video and well explained, Ryne. Thanks! My 2 big mistakes were chasing high yields and Dividend Aristocrats

@rynewilliams

14 күн бұрын

Thank you Chris!

Comment for the algorithm 💜☀️ love ur videos

@rynewilliams

17 күн бұрын

Thank you so much!

Good information Ryan...Thank you sir...

@rynewilliams

17 күн бұрын

Thank you my friend!

Good Day Ryne, Very good content and the take away is, folks need diversification. Select the best stocks in; for example, 4 key sectors that you choose for dividends + growth. Growth will drive the value much faster than dividends. Keep up the good work.

@SewingBoxDesigns

17 күн бұрын

Question: what is the value of holding a big growth stock that pays little to no dividend? Is not the point to make money? 🤔 Or is it a matter of being able to have enough stock to control the board? Serious question.

@rynewilliams

17 күн бұрын

Thank you my friend! You keep up the good work as well - great addition

@MichigantoFlorida

16 күн бұрын

@@SewingBoxDesigns You have to make decisions based on your investment objectives and goals. It's all about how you manage your portfolio. For example, I categorize my investments. Hold., trade, add and /or trim for profits, sell out and move on. Pay attention to market rotations and momentums. Do your Due diligence

Many dividend stocks looking like value plays turn out to be value traps (declining businesses), and this is why I quit dividend investing. But for people who'd still love to stick with dividend investing, I personally recommend SCHD and nothing more.

Great video Ryne, biggest mistake I made was chasing yield when I began.

@rynewilliams

14 күн бұрын

It happens to the best of us man! Unfortunately, it's a lesson that we all pretty much have to learn the hard way haha

Thank you so much

Ryne, i have watched your content over the last year but I ignored a lot of your "buy" videos because i saw these mistakes playing out. Now that you are learning from these im really impressed and excited to see you grow. I really see you beating the market in the coming years. Thanks for all your hard work and for teaching me along the way as well.

@rynewilliams

14 күн бұрын

I hope you're right, thank you my friend!

Walgreens..I have lost $12,000 on this turkey stock

@rynewilliams

17 күн бұрын

Do you think you'll continue holding onto it, or have you considered just cutting your losses and moving that money elsewhere?

Buying on EMOTION is a BIG mistake. It really is hard not letting my emotions control my stock picks. So, I changed how I invest by using my "Watch List" while I do the proper analysis. I agree with your video that ANY stock that has a negative 5-year growth needs to be avoided. Also, buying on the DIP needs to be looked at with a microscope and really take your time figuring out why the stock is falling.

@rynewilliams

17 күн бұрын

That’s all very well said…thank you for sharing that!

@industrialpalletworx3548

16 күн бұрын

I think the negative 5 year growth can be misleading. Looking into why is a great exercise. Sometimes it's simply tied to an event that affected everyone like Covid or the 2008 housing crisis. Taking that number in a vacuum is not always wise.

A company that pays a dividend is like a company entering a marriage ifbit can't keep its dividend then as a investor the marriage can't survive lol😂

very cool video. Thanks.

@rynewilliams

17 күн бұрын

Thank you so much!

Have done pretty well, over the past year, with EPD, BXSL, And OBDC. Always keep an eye on your investments, don't hold losers, when the narrative changes, move on to something else. Just got out of ABR, yesterday morning, before the crash. Saved my gains, buy watching my positions. Remember, we all make bad investment choices at some point. Sometimes we make good educated decisions, and things go wrong, that we couldn't have for seen. It's all part of the game, that's what makes it so interesting!

love the jazz drums in the background!!!

@rynewilliams

17 күн бұрын

Thank you! It's been fun finding different tracks to use in the videos...adds a little something to the videos

@alexwiegel23

17 күн бұрын

Absolutely, you have great taste! I’m a drummer so things like that stand out to me 😅

@rynewilliams

17 күн бұрын

Oh that’s awesome! I’ve always wanted to learn how to play the drums. I grew up playing guitar and piano but could never coordinate my hands and feet playing the drums 😂

@alexwiegel23

17 күн бұрын

Haha yes. The one thing that discourages most is the coordination! It takes time and patience just like investing 😆. A very demanding instrument but pays off after hard work! As always, love the videos and keep up the fantastic work Ryne!

So true nothings a guaranty and thinking so can get you into trouble.

I like the speak up about your investing tip. I feel as though I keep it to myself and that may be why I know nobody who’s into this hobby.

@rynewilliams

14 күн бұрын

Thanks Adam. Like I said, you never know who you'll be able to introduce to investing just from sharing your experiences with it

Great Video as always Ryne, instant like! I think the dividend king/aristocrat mistake at the beginning is very spot on cause I remember when I first started out thinking those stocks had invincible dividends when in reality they can get wrecked. Especially when the dividend is a large % of their free cash flow so one small bump in the road and bam you get a 3M.

@rynewilliams

14 күн бұрын

Well said man, thanks for sharing that!

Those buying NKE in droves, consider Rule 3, are you buying because Nike went down 20% or because you believe it’s a kitchen sink quarter and the lack of turnaround plan won’t hurt you

Definitely fell into the high yield trap. I kept wondering why is no one else buying this. I learned how to research because of it. My dividend investing is setup differently than my retirement accounts. It's all about income now and not for capital gains. Im into REITs and covered call ETFs. It's all about generating as much income as possible while not being a yield trap.

I have just started a few months ago. Imagine that at Easter I didn't even know what an ETF was... The problem is that I am now obsessed with checking stocks and companies. I need to cool down as I don't have enough money to invest in everything and would surely make a lot of mistakes. I tried to stick to ETF only, but I find it too boring, although it would probably be much more efficient for a newbie like myself. I also now feel like I am from another planet when I am around normal people, but it is the same with some of my other hobbies and centers of interests, so nothing new here :) At the moment I don't have enough experience to understand when there is just a temporary dip and when it will fade harder and longer. For example I am watching AGCO and it is really getting beaten down. They are announcing a serious dip in revenue for the coming year though, but I have no idea about when the fall would stop while their past numbers really look impressive. Anyway, thanks for sharing.

@rynewilliams

17 күн бұрын

I know exactly what you mean with all of that. Getting into investing is like walking into a whole new life. It's like you're finally awake haha

I think the negative 5 year growth rate can be misleading. I like to look into the why. I have AT&T and they show a negative growth rate yet they've been great for me. Sometimes large scale events can be the cause of that negative number. Covid, 2008 Housing Crisis to name a few.

Trying the Blosson Pro free trial I really like it! Think I’m gonna subscribe I like the dividend info you get so much more than Robinhood gives you. Made me realize VICI was a great pick up so I bought them! Picked up some Visa finally too! Gonna pick up some ENB as well great dividend stock

@rynewilliams

17 күн бұрын

Nice! I'm glad to hear you're enjoying Blossom...it's a great platform

In 2015 I went heavy into KO, MMM, and T. The latter two cut their dividends heavily and so I switched much more to growth/dividend growth with investments like CTAS & AVGO. No more yield chasing for me

@rynewilliams

17 күн бұрын

Smart move Eric...it's a lesson a lot of us have to learn the hard way!

Great video packed with insights and wisdom... We share the same mistakes!

@rynewilliams

14 күн бұрын

Thank you man! I think a lot of these are ones we all go through

Excellent video, with very solid advice, definitely agree with paying attention, things can change rapidly with companies and their stocks, definitely avoid companies with high debt, shrinking cash flow, and declining revenues. My personnel favorite high yield stocks are well managed BDC’s and options trading etf’s.

@rynewilliams

14 күн бұрын

Thank you!

Yep, I did all 7 at some point. Such a true video Ryne. We'll done! Have a great day bud 😃

@rynewilliams

17 күн бұрын

Thanks Lean Mean Dean Machine -- you have a great day as well!

I fell for the dividend king trap. VFC absolutely crushed me...

Thank you for teaching us how to fish.

@rynewilliams

17 күн бұрын

Thank you for listening to my gibberish!

Shell. The dividend that hasn’t been cut since WWII. Then they cut it. But buy and hold stubbornly and now I’m gaining. Same with Kinder Morgan. 3M too. Victoria secret was foolish. What do I know about women’s underwear? AT&T, didn’t expect that to happen. Sold. I’m still suffering with V.F and DCAing.

@rynewilliams

17 күн бұрын

Man VFC is a tough one...I'm a really big fan of Vans (wearing a pair as I'm writing this) and so I want the stock to do well, but it's had a lot of issues.

great video

@rynewilliams

17 күн бұрын

Thank you!

Excellent advice. I’ve made all the mistakes you mentioned. If you been investing as long as I have, 35+ years it’s bound to happen. As long as you made more than you lost then you’ll be fine. In regards to talking about finances to friends or family, I can only speak to 3 who are interested. The rest have no desire or interest yet they complain about being poor.

@rynewilliams

17 күн бұрын

Thanks for sharing...at least you have 3 people that are interested!

@cashflow68

17 күн бұрын

@@rynewilliams true. Talking about finances back in the 1980’s was rare. Thankfully I had a coworker that was told me, by the time you retire, you better have something to show for it. Otherwise you just wasted your money & life

I think all of us that started around covid committed the same mistakes with a lot of the same stocks. Sold MMM, T, VZ, and ORC all at one point. Just sold my last yield trap today but you learn from it.

@rynewilliams

17 күн бұрын

I think you're right, well said

Seems like all the old 'blue chips' are fading away. My inner paranoia makes me check every few hours during the market being open. 😂

@rynewilliams

17 күн бұрын

@@SewingBoxDesigns which ones do you see fading away?

@SewingBoxDesigns

17 күн бұрын

My grandmother held Coca Cola forever, back when it still had coke in it. She bought it because it cured her 9 kid induced headaches and she decided it was going to be big. But over all in the past 3 months I've been skim researching the hell out of everything, there's a lot I wouldn't touch, including Intel. As for chasing high dividends, my plan is to raid and pillage as much as I can until I hit my goal (making up for that potential social security nightmare in 2032) and then slow down to a steady livable trickle. I'm one of the "should have started early" dummies. 😂 But when We tried to start, it was pay a brokerage a deposit or put a down on a house. Hubby keeps saying we would have lost everything anyway (hospital bills). So never to late, right. 🤷🏼‍♀️ Now one can start with zero, and it's game on. So I'm hanging on your every word. 😃

@SewingBoxDesigns

17 күн бұрын

Microsoft as well, now that I have more coffee and remember.

@SewingBoxDesigns

17 күн бұрын

Good Lord, I'm blowing up the comments. Ford sucks, GM. All the second Gen blue chips. I'm thinking focus on the post 2020 stuff.

@rynewilliams

17 күн бұрын

@@SewingBoxDesigns yea the auto manufacturers are tough investments

Me too Ryan. I like the research and making my picks vs an ETF. Over the past few years I’ve worked hard to limit the amount of stocks I hold and be ok with large positions in the companies I think are the very best. At least for now it’s been working well.

@rynewilliams

14 күн бұрын

Thanks Adam...that's the strategy I'm starting to lean into. I'm still building out my ETF exposure, but doing so makes me feel more comfortable having bigger positions in less holdings

@InvestingWithAdamK

14 күн бұрын

@@rynewilliams For Sure

you might want to check out ET as you hold EPD

@rynewilliams

17 күн бұрын

Thank you for the suggestion!

One thing missing from this.. FCF

Haha, I saw my ARR in the dividend trap list 😂

@rynewilliams

14 күн бұрын

Haha yea it sure is!

I like your Segway music! 10:40

@rynewilliams

17 күн бұрын

Thanks man! I’m glad you liked that 👏

Leg and mmm where first stocks I bought as well 4 years ago 😢

I watch a lot of CNBC and get my information from all those guys and I have learned so much from Cramer and the Mad Money show. I don't follow Cramer blindly but take it with a grain of salt 🎉

@rynewilliams

17 күн бұрын

Great job, I think that's exactly how you should approach it

I'm unsure if I should sell my 3M stock whilst I am up only $9 or if I should just leave it

My biggest mistake was fallen king “LEG “company

I have a question, where do you find companies to invest in. Is there any specific page that you go look at, like a top tee ding and then do your own research or do you just come across them and go, “oh that’s interesting”

@rynewilliams

17 күн бұрын

I find out about new companies a ton of different ways. Word of mouth for sure...a lot of people recommend stocks to me in comments/emails. I also get some good ideas in videos, articles, etc. then I look more into them from there. Sometimes though you just randomly stumble upon a new investment idea by happenstance. It's fun whenever that happens

I Think one should not be afraid of tax loss harvesting and rotation.

@rynewilliams

17 күн бұрын

That'd be a good addition, thanks for sharing that one

My gut says WEN isn't going to work out but still holding.

What are your thoughts & opinions on REITs? Any tips on what to look at & look out for?

@rynewilliams

Күн бұрын

I own a few myself! I really like REITs

SCHG+SCHD is all you need

I hold HSY MAIN JEPQ in my portfolio. What are your thoughts on this investment?"

what about vici property is it a good buy

@rynewilliams

Күн бұрын

I think so...it really jumped up quick recently

Dividend stock investors always look at the fundamentals of a company when I see the fundamentals going in a different direction I sell the company then I put the funds into a better company

@rynewilliams

17 күн бұрын

That makes sense. What was the last company you sold out of?

@dedricbutler8470

17 күн бұрын

@rynewilliams hey man many months ago I had a hundred shares of Intel the fundamentals start going in a different direction I sold Intel then I put the funds into realty income ticker O

@rynewilliams

17 күн бұрын

Ahh thanks for sharing. I ended up selling INTC a while back too!

@dedricbutler8470

17 күн бұрын

@@rynewilliams last company that I sold was Tyson Foods then I put them funds into Main Street Capital now I have a 100 shares

@dedricbutler8470

17 күн бұрын

@@rynewilliams hey man I follow your videos all the time you do good work

Great vid Bro #TeamQQQM 💰

@rynewilliams

14 күн бұрын

Thank you!

🎉🎉

I am down -52% in MPW 😅.

I got in at 80 dollars. I'm up 24%

@rynewilliams

17 күн бұрын

Nice!

whats better? dropping 100k into stocks and leaving it there for 12 months? or small chunks 100k/12 over the same period?

@SewingBoxDesigns

17 күн бұрын

Watch the tax vids, I think you'll find an answer there. I read that you can deduct a certain amount loosing stocks from your winners at tax time. So I plan to invest in a looser to counter balance my wins once I get it figured out. 😂

@rynewilliams

17 күн бұрын

In that particular instance, I personally would choose to invest small chunks...I would maybe even do it across longer than a 12 month period. $100k is a lot of money

Can you talk about taxes when it comes to dividends?

@rynewilliams

17 күн бұрын

I actually have a full video on that for you here! kzread.info/dash/bejne/kaWeqsyjm6TVotY.htmlsi=OCEcZfezZBtdFEHz

@SewingBoxDesigns

17 күн бұрын

Thank you for asking, you saved me a morning of looking for that! 😃

@daneska1975

17 күн бұрын

@@rynewilliams thank you I appreciate it

@rynewilliams

17 күн бұрын

@@daneska1975 of course!

I remember when 3 M lost its crown

@rynewilliams

12 күн бұрын

Sad day for sure

Love Bad Brains!

@rynewilliams

14 күн бұрын

Bad Brains rock!

Bad Brains = 🎵 🎶 🎼

@rynewilliams

7 күн бұрын

Heck yea!

Lost more with GE than 3M but did indeed learn that lesson from the both of them🤣🤣 Another rule you could put on the list is never invest more than 5% in any one position when setting up your portfolio to collect dividends rather than share appreciation from trading growth stocks..Have just found the channel and enjoy the stuff you are putting out.. Keep up the good work..

@TheBooban

17 күн бұрын

Look at GE now. If you DCA the entire time, you might not be too bad off. I bought 3M years ago and lost until now. Now I’m 5% up. There is something to be said about buy and hold.

@rynewilliams

17 күн бұрын

Thank you for sharing all of that. The 5% rule would be a good one to include too

Mistake #8 Missing a Ryne video

@rynewilliams

17 күн бұрын

Haha Amen to that my friend!

as to 3M my man ian Lopuch has a story to tell

@rynewilliams

17 күн бұрын

Haha what’s his MMM story??

Hi~

@rynewilliams

17 күн бұрын

Howdy!

@rynewilliams Great video mate, wish i had this video 1yr 9months ago

@rynewilliams

17 күн бұрын

I’m sorry I didn’t make it sooner my friend!

@AndrewsInvestmentJourney

17 күн бұрын

@rynewilliams it's ok. When you start investing, you don't know what you know. That's part of why I started a channel. You're an inspiration mate