It’s not how much you make, it’s how much you keep. Your entire net worth represent a family enterprise and we see that enterprise as a business and like all businesses two things need to happen at the same time. You need to 1) grow the business and 2) watch expenses. Blending growth and watching expenses is how we achieve efficiency and finding that sweet spot allows you to keep more. Think of it this way… in maximizing your net worth, our goal is both to make money and save money and saving money is equally as important as growing your portfolio.