SORRY I TOOK SO LONG TO GET THIS INTO PODCAST FRIENDS.  IT WAS THE HOLIDAYS AND I GUESS I JUST GOT TOO BUSY.   YOU’LL LIKE THIS I’M SURE.  BOB’S THOUGHTS ON LIFE AND MONEY ARE ALWAYS WORTH THE TIME TO LISTEN AND ENJOY.  THIS WAS AIRED LIVE BACK ON 11/19/13    NOW THAT I THINK ABOUT IT THIS WAS A GREAT TALK WE HAD.