 Welcome back to White Horse Financial Solutions. I'm your host, Roger Harris. Today's show, we're talking about how you can have financial independence. It starts with mitigating key risks. We've covered a few of those risks so far, and we've talked about some options briefly that you can do to protect yourself. One of the things I want to make sure that everyone is aware that we are offering on today's show, I always like to make white papers available that I believe will be beneficial to you, maybe about topics you're not familiar with,