#GetRealWoke Podcast

Fredrick D. Scott, FMVA®

The #GetRealWoke Podcast series is where Fredrick's free Financial Literacy and Business Development initiative #ForTheFree comes to life. Through discussions on starting and growing a business, credit health, personal finance, marketing yourself and your business, investing, due diligence etc... Fredrick will educate the community on the topics that matter most, assist the community in becoming more economically viable and prove, by example, that you truly can live good by doing good and that giving is the most important thing one can do in this life.

  1. 10/03/2021

    From Wall St. 2 Main St. #SituationSaturday

    From Wall St. 2. Main St. Fredrick shares with the community how it is that he and his Wall St. colleagues are shifting the paradigm of capital access by bringing angel investors, venture capital firms, private equity firms, mentorship, and relationship access for businesses in disenfranchised communities of color. He shares what's going down at great programs, incubators, and accelerators such as The Northwestern Mutual Black Founder Accelerator, Gener8tor, and Defy Ventures. No matter what stage of the business lifecycle you are at, there are FREE programs available to get you where you want to be. If you own a business or have ever thought of starting a business, this Podcast Episode is for you! #GetRealWoke #ForTheFree #SituationSaturday #RealWokeCommunity https://fredrickdscott.com  Defy Ventures - https://www.defyventures.org/ (For the formerly incarcerated who want to start a business)  Gener8tor gAlpha - https://www.galpha.io/social-impact/about (You aren't formerly incarcerated, you want to start a business but don't know how)  Gener8tor gBeta - https://www.gbetastartups.com/gbeta (You've started a business but you need help growing your business)  The Northwestern Mutual Black Founder Accelerator - https://gener8torblackfounderaccelerator.com/ (You are a black-owned technology based business, you have been operating, are growing & scaling, but you need more relationships, guidance and help with capital)  Gener8tor's Flagship Accelerator - https://www.gener8tor.com/gener8tor-flagship-accelerator (You are not black-owned and/or not a technology business, you have been operating, are growing & scaling, but you need more relationships, guidance and help with capital)  Become a #RealWoke LiveChat Member to participate in the #Learn2Earn Cash Giveaway, gain access to discounts, contests, cash giveaways, exclusive content, and the exclusive #GetRealWoke Community Group, a private Facebook group where you can network with like-minded individuals, thought leaders, and credible, successful business owners and experts from various industries.: https://join.getrealwoke.com. Proceeds generated from the #RealWoke LiveChat Community are deployed back into the community to expand existing programs and initiatives and develop new programs and initiatives that benefit our community! Read Fredrick's books for valuable insight into personal and professional financial growth and business development skills: https://fredrickdscott.com/product-category/books/  Have a business idea that you'd like to talk through? Book Fredrick for an assessment to get his expert opinion: https://fredrickdscott.com/book-an-assessment/  Want an opportunity to speak to Fredrick one on one for free? Apply for an opportunity to appear on a #GetRealWoke Q&A Session: https://fredrickdscott.com/getrealwoke-qa-session-2/ Free financial resources personally developed by Fredrick are available https://fredrickdscott.com/forthefree-resources/ Check out the articles that Fredrick has written for Entrepreneur Magazine https://www.entrepreneur.com/author/fredrick-d-scott   Disclosure & Disclaimer: https://fredrickdscott.com/disclaimer-disclosure/ #wallst #venturecapital #angelinvesting #privateequity #blackownedbusiness #investing The content, images, name(s) (Fredrick D. Scott, Fredrick D. Scott, FMVA, Fredrick D. Scott FMVA, Fredrick D. Scott, FMVA®, Fredrick D. Scott FMVA®, Fredrick Douglas Scott, #GetRealWoke, and #RealWoke), likeness and brand are properties/assets of Fredrick D. Scott LLC and Intellectual Property rights are asserted thereto. No individual or company is authorized to duplicate, reproduce, or otherwise use any of the properties of Fredrick D. Scott LLC without the express, written authorization of Fredrick D. Scott LLC. Fredrick D. Scott LLC retains all use and licensing rights solely and e

    33 min
  2. 10/01/2021

    Retail Investing Pt .13 (Investing Experience)

    Retail Investing Pt .13 - Investing Experience. In this episode, Fredrick continues his discussion on the Investment Risk Profile. Today he discusses the importance of Investing Experience and why it is that no matter how many books you read or degrees you have, you cannot read experience! If you have ever thought about investing and are afraid, this episode is for you! As always, the financial education here is FREE!!! #GetRealWoke #ForTheFree #ForTheFree Friday #RealWokeCommunity https://fredrickdscott.com Investing For Success - Investing Tips For The Everyday Person - Fredrick D. Scott, FMVA: https://fredrickdscott.com/product/investing-for-success/ Become a #RealWoke LiveChat Member to participate in the #Learn2Earn Cash Giveaway, gain access to discounts, contests, cash giveaways, exclusive content, and the exclusive #GetRealWoke Community Group, a private Facebook group where you can network with like-minded individuals, thought leaders, and credible, successful business owners and experts from various industries.: https://join.getrealwoke.com. Proceeds generated from the #RealWoke LiveChat Community are deployed back into the community to expand existing programs and initiatives and develop new programs and initiatives that benefit our community!  Read Fredrick's books for valuable insight into personal and professional financial growth and business development skills: https://fredrickdscott.com/product-category/books/ Have a business idea that you'd like to talk through? Book Fredrick for an assessment to get his expert opinion: https://fredrickdscott.com/book-an-assessment/. . Want an opportunity to speak to Fredrick one on one for free? Apply for an opportunity to appear on a #GetRealWoke Q&A Session: https://fredrickdscott.com/getrealwoke-qa-session-2/ Free financial resources personally developed by Fredrick are available https://fredrickdscott.com/forthefree-resources/ Check out the articles that Fredrick has written for Entrepreneur Magazine https://www.entrepreneur.com/author/fredrick-d-scott Fredrick's social media campaign strategy development and execution is provided by Sista Social LLC (https://sistasocial.com/) Disclosure & Disclaimer: https://fredrickdscott.com/disclaimer-disclosure/  #risk #riskprofile #investingexperience #financialliteracy #investing #investingtips   The content, images, name(s) (Fredrick D. Scott, Fredrick D. Scott, FMVA, Fredrick D. Scott FMVA, Fredrick D. Scott, FMVA®, Fredrick D. Scott FMVA®, Fredrick Douglas Scott, #GetRealWoke, and #RealWoke), likeness and brand are properties/assets of Fredrick D. Scott LLC and Intellectual Property rights are asserted thereto. No individual or company is authorized to duplicate, reproduce, or otherwise use any of the properties of Fredrick D. Scott LLC without the express, written authorization of Fredrick D. Scott LLC. Fredrick D. Scott LLC retains all use and licensing rights solely and exclusively. Any unauthorized duplication, reproduction, or other use of the aforementioned properties/assets on any digital or print mediums will be addressed in accordance with applicable federal and state laws, as well, the policies and procedures established by the owners of the platform(s) where unauthorized content is found.  Violations can be reported to Fredrick D. Scott LLC via email at: fredrickdscottllc@gmail.com   Notice: Under Section 107 of the Copyright Act of 1976 (17 U.S.C. § 101-122), allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by the copyright statute that might otherwise be infringing.

    26 min
  3. 09/25/2021

    Retail Investing Pt.12 (Financial Knowledge) #ForTheFree Friday

    Retail Investing Pt.12 - Financial Knowledge. Fredrick continues his Retail Investing series and dives deeper into structuring an Investment Risk Profile. In this episode, Fredrick breaks down Financial Knowledge, what it means, why you need it and what the risks are of not having it. If you're trying to grow your income and assets, this financial literacy episode is for you! As always, the financial education here is FREE!!! #GetRealWoke #ForTheFree #ForTheFree Friday #RealWokeCommunity https://fredrickdscott.com  FINRA Financial Literacy Tests: https://www.usfinancialcapability.org/quizzes.php  Investing For Success - Investing Tips For The Everyday Person - Fredrick D. Scott, FMVA: https://fredrickdscott.com/product/investing-for-success/ Become a #RealWoke LiveChat Member to participate in the #Learn2Earn Cash Giveaway, gain access to discounts, contests, cash giveaways, exclusive content, and the exclusive #GetRealWoke Community Group, a private Facebook group where you can network with like-minded individuals, thought leaders, and credible, successful business owners and experts from various industries.: https://join.getrealwoke.com. Proceeds generated from the #RealWoke LiveChat Community are deployed back into the community to expand existing programs and initiatives and develop new programs and initiatives that benefit our community! Read Fredrick's books for valuable insight into personal and professional financial growth and business development skills: https://fredrickdscott.com/product-category/books/ Have a business idea that you'd like to talk through? Book Fredrick for an assessment to get his expert opinion: https://fredrickdscott.com/book-an-assessment/ Want an opportunity to speak to Fredrick one on one for free? Apply for an opportunity to appear on a #GetRealWoke Q&A Session: https://fredrickdscott.com/getrealwoke-qa-session-2/ Free financial resources personally developed by Fredrick are available https://fredrickdscott.com/forthefree-resources/ Check out the articles that Fredrick has written for Entrepreneur Magazine https://www.entrepreneur.com/author/fredrick-d-scott Fredrick's social media campaign strategy development and execution is provided by Sista Social LLC (https://sistasocial.com/)  Disclosure & Disclaimer: https://fredrickdscott.com/disclaimer-disclosure/  #risk #riskprofile #financialknowledge #financialliteracy #investing #investingtips   The content, images, name(s) (Fredrick D. Scott, Fredrick D. Scott, FMVA, Fredrick D. Scott FMVA, Fredrick D. Scott, FMVA®, Fredrick D. Scott FMVA®, Fredrick Douglas Scott, #GetRealWoke, and #RealWoke), likeness and brand are properties/assets of Fredrick D. Scott LLC and Intellectual Property rights are asserted thereto. No individual or company is authorized to duplicate, reproduce, or otherwise use any of the properties of Fredrick D. Scott LLC without the express, written authorization of Fredrick D. Scott LLC. Fredrick D. Scott LLC retains all use and licensing rights solely and exclusively. Any unauthorized duplication, reproduction, or other use of the aforementioned properties/assets on any digital or print mediums will be addressed in accordance with applicable federal and state laws, as well, the policies and procedures established by the owners of the platform(s) where unauthorized content is found.  Violations can be reported to Fredrick D. Scott LLC via email at: fredrickdscottllc@gmail.com   Notice: Under Section 107 of the Copyright Act of 1976 (17 U.S.C. § 101-122), allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by the copyright statute that might otherwise be infringing.

    35 min
  4. 09/19/2021

    PPP Loan Update #SituationSaturday

    PPP Loan Update. Fredrick provides an update to the PPP Loan situation unfolding currently. He discusses what is happening currently and what is to come in the near future. Additionally, Fredrick discusses the U.S. Sentencing guidelines and what can be expected if you have to face a federal judge. Finally, Fredrick discusses options for those who have engaged in PPP Loan Fraud and are looking for possible solutions to rectify the mistake made and either A. Stay out of jail or B. Significantly reduce the amount of time that will need to be done. If you did anything untruthful in your PPP Loan Application process, this Podcast Episode is for you! #GetRealWoke #ForTheFree #SituationSaturday #RealWokeCommunity https://fredrickdscott.com Become a #RealWoke LiveChat Member to participate in the #Learn2Earn Cash Giveaway, gain access to discounts, contests, cash giveaways, exclusive content, and the exclusive #GetRealWoke Community Group, a private Facebook group where you can network with like-minded individuals, thought leaders, and credible, successful business owners and experts from various industries.: https://join.getrealwoke.com. Proceeds generated from the #RealWoke LiveChat Community are deployed back into the community to expand existing programs and initiatives and develop new programs and initiatives that benefit our community! Read Fredrick's books for valuable insight into personal and professional financial growth and business development skills: https://fredrickdscott.com/product-category/books/ Have a business idea that you'd like to talk through? Book Fredrick for an assessment to get his expert opinion: https://fredrickdscott.com/book-an-assessment/ Want an opportunity to speak to Fredrick one on one for free? Apply for an opportunity to appear on a #GetRealWoke Q&A Session: https://fredrickdscott.com/getrealwoke-qa-session-2/ Free financial resources personally developed by Fredrick are available https://fredrickdscott.com/forthefree-resources/ Check out the articles that Fredrick has written for Entrepreneur Magazine https://www.entrepreneur.com/author/fredrick-d-scott Fredrick's social media campaign strategy development and execution is provided by Sista Social LLC (https://sistasocial.com/) Disclosure & Disclaimer: https://fredrickdscott.com/disclaimer-disclosure/  #ppp #ppploan #ppploanfraud #fraud #fbi #doj #jail #prison #indictment   The content, images, name(s) (Fredrick D. Scott, Fredrick D. Scott, FMVA, Fredrick D. Scott FMVA, Fredrick D. Scott, FMVA®, Fredrick D. Scott FMVA®, Fredrick Douglas Scott, #GetRealWoke, and #RealWoke), likeness and brand are properties/assets of Fredrick D. Scott LLC and Intellectual Property rights are asserted thereto. No individual or company is authorized to duplicate, reproduce, or otherwise use any of the properties of Fredrick D. Scott LLC without the express, written authorization of Fredrick D. Scott LLC. Fredrick D. Scott LLC retains all use and licensing rights solely and exclusively. Any unauthorized duplication, reproduction, or other use of the aforementioned properties/assets on any digital or print mediums will be addressed in accordance with applicable federal and state laws, as well, the policies and procedures established by the owners of the platform(s) where unauthorized content is found.  Violations can be reported to Fredrick D. Scott LLC via email at: fredrickdscottllc@gmail.com   Notice: Under Section 107 of the Copyright Act of 1976 (17 U.S.C. § 101-122), allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by the copyright statute that might otherwise be infringing.

    45 min
  5. 09/18/2021

    Retail Investing Pt.11 (Risk Preference) #ForTheFree Friday

    Retail Investing Pt. 11 - Risk Preference. Fredrick continues his Retail Investing series and dives deeper into structuring an Investment Risk Profile. In this episode, Fredrick breaks down Risk Preference and gives examples of how that plays out in real life, as well, Fredrick touches briefly on behavioral finance, answering the question: What is behavioral finance and defines volatility. He also discusses Certificate of Deposit (CD) and U.S. Treasury Bonds. Finally, Fredrick shares the story of Long Term Capital Management (LTCM) as a cautionary tale. As always, this financial education and the financial literacy resources provided are free of charge! #GetRealWoke #ForTheFree #ForTheFree Friday #RealWokeCommunity https://fredrickdscott.com  Investing For Success - Investing Tips For The Everyday Person - Fredrick D. Scott, FMVA: https://fredrickdscott.com/product/investing-for-success/ Become a #RealWoke LiveChat Member to participate in the #Learn2Earn Cash Giveaway, gain access to discounts, contests, cash giveaways, exclusive content, and the exclusive #GetRealWoke Community Group, a private Facebook group where you can network with like-minded individuals, thought leaders, and credible, successful business owners and experts from various industries.: https://join.getrealwoke.com. Proceeds generated from the #RealWoke LiveChat Community are deployed back into the community to expand existing programs and initiatives and develop new programs and initiatives that benefit our community!  Read Fredrick's books for valuable insight into personal and professional financial growth and business development skills: https://fredrickdscott.com/product-category/books/ Have a business idea that you'd like to talk through? Book Fredrick for an assessment to get his expert opinion: https://fredrickdscott.com/book-an-assessment/ Want an opportunity to speak to Fredrick one on one for free? Apply for an opportunity to appear on a #GetRealWoke Q&A Session: https://fredrickdscott.com/getrealwoke-qa-session-2/ Free financial resources personally developed by Fredrick are available https://fredrickdscott.com/forthefree-resources/  Check out the articles that Fredrick has written for Entrepreneur Magazine https://www.entrepreneur.com/author/fredrick-d-scott Fredrick's social media campaign strategy development and execution is provided by Sista Social LLC (https://sistasocial.com/)   Disclosure & Disclaimer: https://fredrickdscott.com/disclaimer-disclosure/ #risk #riskprofile #riskpreference #riskaversion #investing #certificateofdeposit #treasurybond  The content, images, name(s) (Fredrick D. Scott, Fredrick D. Scott, FMVA, Fredrick D. Scott FMVA, Fredrick D. Scott, FMVA®, Fredrick D. Scott FMVA®, Fredrick Douglas Scott, #GetRealWoke, and #RealWoke), likeness and brand are properties/assets of Fredrick D. Scott LLC and Intellectual Property rights are asserted thereto. No individual or company is authorized to duplicate, reproduce, or otherwise use any of the properties of Fredrick D. Scott LLC without the express, written authorization of Fredrick D. Scott LLC. Fredrick D. Scott LLC retains all use and licensing rights solely and exclusively. Any unauthorized duplication, reproduction, or other use of the aforementioned properties/assets on any digital or print mediums will be addressed in accordance with applicable federal and state laws, as well, the policies and procedures established by the owners of the platform(s) where unauthorized content is found.  Violations can be reported to Fredrick D. Scott LLC via email at: fredrickdscottllc@gmail.com  Notice: Under Section 107 of the Copyright Act of 1976 (17 U.S.C. § 101-122), allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by the copyright statute that might otherwise be infringing.

    33 min
  6. 09/12/2021

    President Biden & The Vaccination Executive Order #SituationSaturday

    President Biden & The Vaccination Executive Order. Fredrick discusses the latest executive order issued by President Joe Biden requiring a covid vaccine mandate for all companies with 100 or more employees. Fredrick exams the potential challenges that are apparent with this executive order and what it could mean for the corporate culture, mental readiness, and, overall, qualitative continuity of these companies. Fredrick also discusses potential legal challenges and blowback of the executive order issued by President Biden forcing vaccine mandates on private companies.  #GetRealWoke #ForTheFree #SituationSaturday #RealWokeCommunity https://fredrickdscott.com .  .  Become a #RealWoke LiveChat Member to participate in the #Learn2Earn Cash Giveaway, gain access to discounts, contests, cash giveaways, exclusive content, and the exclusive #GetRealWoke Community Group, a private Facebook group where you can network with like-minded individuals, thought leaders, and credible, successful business owners and experts from various industries.: https://join.getrealwoke.com. Proceeds generated from the #RealWoke LiveChat Community are deployed back into the community to expand existing programs and initiatives and develop new programs and initiatives that benefit our community!  .  .  Read Fredrick's books for valuable insight into personal and professional financial growth and business development skills: https://fredrickdscott.com/shop/ .  . Have a business idea that you'd like to talk through? Book Fredrick for an assessment to get his expert opinion: https://fredrickdscott.com/book-an-assessment/ .  .  Want an opportunity to speak to Fredrick one on one for free? Apply for an opportunity to appear on a #GetRealWoke Q&A Session: https://fredrickdscott.com/getrealwoke-qa-session-2/ .  .  Free financial resources personally developed by Fredrick are available https://fredrickdscott.com/forthefree-resources/ .  .  Check out the articles that Fredrick has written for Entrepreneur Magazine https://www.entrepreneur.com/author/fredrick-d-scott .  .  Fredrick's social media campaign strategy development and execution is provided by Sista Social LLC (https://sistasocial.com/)    .  .  Disclosure & Disclaimer: https://fredrickdscott.com/disclaimer-disclosure/  #biden #vaccination #vaccine #covid19 #covid #pfizer #moderna #johnson&johnson   The content, images, name(s) (Fredrick D. Scott, Fredrick D. Scott, FMVA, Fredrick D. Scott FMVA, Fredrick D. Scott, FMVA®, Fredrick D. Scott FMVA®, Fredrick Douglas Scott, #GetRealWoke, and #RealWoke), likeness and brand are properties/assets of Fredrick D. Scott LLC and Intellectual Property rights are asserted thereto. No individual or company is authorized to duplicate, reproduce, or otherwise use any of the properties of Fredrick D. Scott LLC without the express, written authorization of Fredrick D. Scott LLC. Fredrick D. Scott LLC retains all use and licensing rights solely and exclusively. Any unauthorized duplication, reproduction, or other use of the aforementioned properties/assets on any digital or print mediums will be addressed in accordance with applicable federal and state laws, as well, the policies and procedures established by the owners of the platform(s) where unauthorized content is found.  Violations can be reported to Fredrick D. Scott LLC via email at: fredrickdscottllc@gmail.com  Notice: Under Section 107 of the Copyright Act of 1976 (17 U.S.C. § 101-122), allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by the copyright statute that might otherwise be infringing.

    30 min
  7. 09/10/2021

    Retail Investing Pt.10 (Risk Tolerance) #ForTheFree Friday

    Retail Investing Pt.10 - Risk Tolerance. Fredrick continues his Retail Investing series and dives deeper into structuring an Investment Risk Profile. In this episode, Fredrick discusses Risk Tolerance, Risk Aversion, and how to determine your risk appetite on the Risk Tolerance scale using a Revealed Preference Test logic tree so you can better conduct a risk assessment on yourself. #GetRealWoke #ForTheFree #ForTheFree Friday #RealWokeCommunity https://fredrickdscott.com  Investing For Success - Investing Tips For The Everyday Person - Fredrick D. Scott, FMVA: https://fredrickdscott.com/product/investing-for-success/ .  .  Become a #RealWoke LiveChat Member to participate in the #Learn2Earn Cash Giveaway, gain access to discounts, contests, cash giveaways, exclusive content, and the exclusive #GetRealWoke Community Group, a private Facebook group where you can network with like-minded individuals, thought leaders, and credible, successful business owners and experts from various industries.: https://join.getrealwoke.com. Proceeds generated from the #RealWoke LiveChat Community are deployed back into the community to expand existing programs and initiatives and develop new programs and initiatives that benefit our community! .  .  Read Fredrick's books for valuable insight into personal and professional financial growth and business development skills: https://fredrickdscott.com/shop/ .  .  Have a business idea that you'd like to talk through? Book Fredrick for an assessment to get his expert opinion: https://fredrickdscott.com/book-an-assessment/ .  .  Want an opportunity to speak to Fredrick one on one for free? Apply for an opportunity to appear on a #GetRealWoke Q&A Session: https://fredrickdscott.com/getrealwoke-qa-session-2/ .  .  Free financial resources personally developed by Fredrick are available https://fredrickdscott.com/forthefree-resources/ .  .  Check out the articles that Fredrick has written for Entrepreneur Magazine https://www.entrepreneur.com/author/fredrick-d-scott .  .  Fredrick's social media campaign strategy development and execution is provided by Sista Social LLC (https://sistasocial.com/)    .  .  Disclosure & Disclaimer: https://fredrickdscott.com/disclaimer-disclosure/  #risk #riskprofile #risktolerance #riskaversion #investing     The content, images, name(s) (Fredrick D. Scott, Fredrick D. Scott, FMVA, Fredrick D. Scott FMVA, Fredrick D. Scott, FMVA®, Fredrick D. Scott FMVA®, Fredrick Douglas Scott, #GetRealWoke, and #RealWoke), likeness and brand are properties/assets of Fredrick D. Scott LLC and Intellectual Property rights are asserted thereto. No individual or company is authorized to duplicate, reproduce, or otherwise use any of the properties of Fredrick D. Scott LLC without the express, written authorization of Fredrick D. Scott LLC. Fredrick D. Scott LLC retains all use and licensing rights solely and exclusively. Any unauthorized duplication, reproduction, or other use of the aforementioned properties/assets on any digital or print mediums will be addressed in accordance with applicable federal and state laws, as well, the policies and procedures established by the owners of the platform(s) where unauthorized content is found.  Violations can be reported to Fredrick D. Scott LLC via email at: fredrickdscottllc@gmail.com   Notice: Under Section 107 of the Copyright Act of 1976 (17 U.S.C. § 101-122), allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by the copyright statute that might otherwise be infringing.

    21 min

Ratings & Reviews

2.7
out of 5
6 Ratings

About

The #GetRealWoke Podcast series is where Fredrick's free Financial Literacy and Business Development initiative #ForTheFree comes to life. Through discussions on starting and growing a business, credit health, personal finance, marketing yourself and your business, investing, due diligence etc... Fredrick will educate the community on the topics that matter most, assist the community in becoming more economically viable and prove, by example, that you truly can live good by doing good and that giving is the most important thing one can do in this life.