The Fastest Way To Financial Freedom

Rick Pino's YouTube training argues that wealth is effectively measured in time (the faster you build it, the longer you enjoy it) and presents a practical, faith-friendly framework to reach financial freedom quickly. He contrasts three archetypes—debtors (consumer debt), savers (debt-free but slow), and wealth creators (entrepreneurs who use good debt and leverage)—and gives a 3-step/4-step actionable plan: (1) become more valuable by compounding skills; (2) use those skills to start a business (high risk, high reward); (3) learn to leverage opportunities (other people's money, audiences, stages) to scale faster. He uses analogies (McDonald's lifetime earnings, ladder/skill compounding, Archimedes' lever) and includes CTAs for a free training (digitalproductacademy.org) and coaching calls.
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If you're tired of struggling in your finances, if you're tired of living paycheck to paycheck, if you wish that you could give your loved ones and your family the life that they deserve, but you just don't know how because you haven't quite figured out this wealth thing yet, then this is the video for you. What if I told you that wealth is measured more in time than it is in dollars? Here. In just a few moments, I'm going to explain that to you. But the biggest punchline you need to get from this training today is, is that the faster you can figure out this wealth thing, the longer you will have to enjoy it with the people that you love the most. Let's get into it. So, guys, before we jump into the training today, make sure to subscribe to the channel, especially if you're enjoying all the content like, and hit the bell, all that good stuff so you can continue seeing more content like this. Okay, so what do I mean that wealth is measured more in time than it is in money? Come with me to the board. Let's check it out. Okay, let's say that you work at McDonald's, okay? And you work at McDonald's for 40 years. And let's say you make $25,000 a year. Well, guess what? Over the course of that 40 years, you're still gonna end up making the million dollars. Okay? So my question to you is, what is the definition of rich? Well, it actually depends. Like, do you want to take 40, 50 years to try to, over the course of a lifetime, make the million dollars? Or what if you could figure out a very simple step by step framework that allows you to build wealth lightning fast? Well, that's what I'm going to be talking about in today's video. Okay? So the biggest thing to consider is this. Over the course of our lives, especially here in America, every single one of us are going to probably work in enough to accumulate millions of dollars over the course of our lifetime. Now, I don't know about you, but I don't want it to take a lifetime. I want it to happen as fast as humanly possible. So that, like I said earlier, the faster you can make the wealth, the longer you can enjoy it with the people that you love the most. Okay? So in the training today, I'm going to give you a very simple framework that you can follow that's absolutely going to help you learn the fastest way to financial freedom. Okay, check this out. I want to break a couple of ideas down for you. So really There are three kinds of people. Oh, my board's glitching here. There are three kinds of people in the world, okay? There are debtors, okay? Then there are savers. And then this is the one you want to be. There are wealth creators. Okay, so what's the difference between these three concepts? Okay, well, debtors, unfortunately, debtors, they're in major consumer debt, okay? Debtors, they have made bad purchasing choices. And now those purchasing choices because they're in bad debt is actually costing them more than the thing that they purchase. Okay, what do I mean by that? Let me pull up my handy laser here. Okay, so check this out. When you buy bad consumer debt, let's say you buy whatever the pair of sneakers that you couldn't afford with a credit card, okay? And now you put it on a credit card because maybe the sneakers were really nice, right? They're $1,000 sneakers, but you couldn't afford the thousand dollars. Well, guess what? It didn't just cost you the thousand, it's costing you the thousand plus interest. O and unfortunately, this is how most people live their lives. They are rolling in consumer debt. And guys, this is the worst financial place that you want to be in. Of course, in today's training, I'm gonna show you how you can rapidly break free from here. Okay? The next place, okay, the next kind of person. Excuse me, These are savers, okay? Savers are people, okay? Maybe they're not in bad consumer debt, but they're also not wealthy yet. Why is this? Because savers, you know what these guys and gals are doing? They are debt free. But okay, they are trying to save their way to wealth, okay? So savers are people who. Yoo hoo, we're debt free. But here's the thing, okay? Like there are people around the Internet right now. There are different people online and they teach people how to get debt free, which I think at least if it's bad consumer debt, like I just talked about with debtors, okay, obviously you don't want to have bad consumer debt because not only did it cost you once, but it's costing you every single month on the interest that you have to pay to somebody else to use that bad debt, right? So that's not where you want to be. But then you have these people online who are like, I'm debt free. Like doing the debt free scream, that's cool. But the problem with being just debt free, or in this case a saver is debt free just means that you're back to zero. Like, debt free is not wealth. Debt Free is just zero. Okay? So the debtors, obviously that's the worst place you want to be in. Savers, this is the slowest way to try to build wealth because now you, you're just saving your way there. Like hopefully if we work really, really hard, you know, and kind of like the McDonald's analogy I gave you, like over the course of the next 40 or 50 years, if we save and we, we work extremely hard, maybe one day we'll have enough to finally retire and enjoy our lives. I don't know about you, but I don't want to start enjoying my life and enjoying my wealth when I'm like 60, 70, 80 years old. Ain't nobody got time for that, right? I want to get this wealth thing figured out as fast as humanly possible right now so that I can enjoy it longer with the people that I love most. Come back to the board, okay? So savers, they're just kind of in this neutral ground, okay? They're not going up, they're not going down. If they are going up, it's super slow, okay? What you want to become is you want to become a wealth creator, okay? Now what are wealth creators? Wealth creators, these are business owners, okay? And then these are people who are not afraid to, to leverage debt. Okay? Now remember I just said you don't want to be in bad consumer debt. Well, how many of you know that not all debt is created equal, okay? Bad debt is obviously the debt that costs you money, right? But good debt is the debt that makes you money. Okay, where am I going with all this? I want to lay a foundation because here in a moment, I'm going to give you the actual steps that you can take in order to lightning fast your way to financial freedom. Okay? But you have to understand, in order to become a wealth creator, you've got to begin to think differently than just the normal employee mindset, okay? Not all debt is created equal. There is bad debt that costs you money, but there's also good debt where you could borrow somebody else's money. Maybe you borrow it at 5%, right? But you invest it or you put it back into your business and that money that you borrowed is actually making you 10% or 12%. Well, guess what? Now it's not bad debt, like you borrowed money so that you can begin to build wealth at a faster rate. Okay, we're going to get into it here in just a minute, but let me break down four simple steps that anyone can take in order to rapidly advance their way to financial freedom. So check this out. What's the first thing that you can do in order to get on the fast track to financial freedom? Okay, well, first thing you have to do is you have to become more valuable to the market. By growing your skills. Okay, now here's a silly analogy, but wouldn't it be so silly? I grew up in the 80s, okay? And I think it'd be super silly if, you know, somebody that I walked up to was like, dude, like, the best way to communicate with people is through beepers and fax machines and the old rotary dial up phones. And I look at him like, what? That's not the best way to communicate? And they're like, yes, it is, man. You could totally communicate like this. And look, I just got a page right now on my pager, right? Look at my brick cell phone. Isn't it cool? And it's a goofy analogy, but this is what most people do in their skills, okay? The reason why most people are not creating wealth, especially the level of wealth that they desire to create and that financial freedom type of wealth. Why? Because most people, after they get to a certain level of skills, they never advance their skill set ever again. It's like, well, you know, I'm a mechanic, and this is the highest I went. And I don't want to be a manager. And so I'm just. I'm a mechanic. Like, that's cool. Mechanics are needed. That's awesome. But what if you begin to compound these skills? Okay? And that's what I want to talk about here on step number one. Check this out. Hey, I really hope that you're enjoying the video. I want to invite you guys. I have recently created a free training teaching people how to make money online. My students are literally making anywhere from five to $10,000 a month. And some of them even make hundreds of thousands of dollars. Not in a year, but in a single day. If you want information on how you can get started, all you need is a phone and a laptop. You can go to digitalproductacademy.org or you can click the link below in the description. Guys, after you watch the free training, if it sounds like it might be something cool for you to check out, you can book a free call with one of my client success coaches and they'll be able to help you more. Now back to the video. All skills. In fact, if you're taking notes, write this down. All skills can compound. Okay, what does that mean? I'm glad you asked. Check this out. Let's say that you are here. I teach this Analogy sometimes. Okay, let's say that you are here and you're super sad because this is not where you want to be. Okay? And you would really desire to get here because this is where you want to be. And maybe, maybe here you're like zero dollars. And up here is. Oops. Up here is like your mega awesome financial freedom goal. Okay? And you're like looking at this, how in the world. Let me see. Okay, so he's looking over here. How in the world am I going to get there, right? Like, is it possible to get here? Like, it's such a far jump. It's such a far jump, right? Well, here's how it works. If you desire to get from where you are to where you'd like to be, all you need is a ladder. Okay? And this is how skills works. Okay? Or this is the. This is how skills work and this is how compounding skills work. Okay? Now obviously if you don't have any skills to get from here to here, it's way too big of a jump. But guess what? Let's say you had that skill of being a mechanic. Okay? Well, now at least you got one step that gets you closer. The jump is still pretty far, obviously, right? Like, the jump from here, it's still pretty far, but it's better than trying to jump from here. Okay, so, well, man, I'm a mechanic. This is where most people stay, guys. Most people just go find a job and like, well, I got a job. It's going to take forever to get here. And honestly, the chances of you making it here, they're going to be pretty difficult because this is still a far jump. But the cool part is with skills, they compound. What if now you're a mechanic and then you got the skill of management? So now not only are you the mechanic, but now you know how to manage mechanics. Again, it's still a pretty far jump. However, it's not as far of a jump from jumping from back here, right? Like, now you got a little bit more Runway. And guys, it just keeps going and going and going. Okay, let me show you here. Okay, so let's say the first skill you got was the mechanic skill. Then you became a manager. Well, what if you learned accounting on top of your other skills? Okay, so now we've got like, I'm a mechanic who knows how to manage mechanics, and I'm also pretty good at accounting. Well, guess what? Those skills will compound on top of each other because if you got those things and now you could actually potentially start your own mechanic franchise. Okay. And then if you have your. Sorry, your own mechanic shop, and then if you get really good at managing your mechanic shop, right, maybe you can open up a mechanic franchise. See what I'm saying? And now it's much easier to get from where you are to where you want to be because your skills are compounding and you actually have a path to get to where you desire to be without having to feel like, man, I got to jump all the way from over here to all the way over there. Of course you do. So I want to encourage you. The first thing that you need to do to begin to get on the lightning path, the lightning fast path to financial freedom is you have got to become more valuable to the market by increasing your skills. In fact, I need at least 10 people in the comments right now to drop these words. Okay? Repetition leads to mastery. Repetition leads to mastery. What does that mean? It means the more you get good at each and every skill, the more you master that level of skill and the easier it is to get to where you desire to be because you're building the next step in your ladder of success. Okay, like it's kind of like, again, I grew up in the 80s, right? We played a lot of video games growing up. Like the good ones, not the, not the new ones, right, but the good ones, right? Mario Brothers and this stuff. And it was so interesting because as a kid, you're playing that level and you could work super hard to try to beat that level. And until you mastered the level, until you saw how every little goblin was coming and you know where the extra life was at and you know that this fireball is going to shoot at this time. You had to learn the level to master the level in order to level up to the next castle, right? There's a Super Mario reference for you. But you guys feel what I'm saying? The same thing goes for your skill set, okay? Don't be that person who's like, man, I got this great fax machine worth of skills, right? Like this skill set that I have worked really good in 1989, right? You've got to level up your skills, man, Become more valuable to the market by increasing your skills, learning new techniques, and doing it over and over and over to where you could master the level you're at now so that you could advance to the next level. Okay? So that's the first thing you got to do to get on the fast track to financial freedom. What's the second thing that you need to do? Okay, well, now you're going to take all these skills. Oops, I believe I'm writing it back here. Now you're going to take all these skills? I'll just write it over here. How about that? Now you're going to take all these skills that you've acquired and you are going to start a business. I'm telling you right now, okay? Starting a business is the best chance that you have at financial freedom, okay? Like, it's going to be really, really, really hard to achieve financial freedom by climbing the corporate ladder of somebody else's business, right? Like, I'm not talking about the ladder I just gave you on the skills. I'm talking about like, well, if I work hard enough, then maybe I can like, become manager. And then if I, you know, become manager, maybe if I'm good enough at manager for five years, maybe they'll move me up to like, regional manager. And then if I'm good there for five years, like, maybe they'll. And guys, the problem with that employee mindset is that it is such a slow, drawn out process to actually get to financial freedom. Because many of you watching maybe have experiences like, it doesn't matter like if you're an employee or if you're a manager. The pay difference between those two is like, so small. Many managers are like, gosh, it's barely worth it. Exactly. And I'm telling you this, if you're trying to climb somebody else's corporate ladder instead of building your own skill ladder, and every single step that you go to, it's gonna feel like that, like, man, this is like barely worth it and like, the pay is a little bit better. In fact, I know people, I personally know people who did not want to become more of a manager because it was more work for like a dollar extra an hour raise, right? They are more happy to be an employee and like, not have to work as hard because they don't want to do all that extra work just to make a little extra money. And so the remedy to all of this is to build that skillset super strong and then use that skill set to start a business. Let me throw a disclaimer out there for you, okay? Not only is a business the best chance you have at making it to financial freedom, but starting a business is also the best chance you have at losing a bunch of money as well. I have to be honest with you, right? Because starting a business is very high risk, but it's also very high reward. So before you start getting, like, all like, antsy about, like, well, I don't know if I should start a business that's too risky. Guess what makes starting a business less risky? Compounding your skills, right? Like, let's say that you're really good at talking to people. Okay, well, that's a really great skill. What if you use that skill to learn how to. Man, I really enjoy talking to people. Well, what if you actually learned how to sell as well? Like, since I love talking to people, maybe I can learn how to sell something because I really like talking to somebody. And then you get good at sales and you're like, man, I'm really enjoying sales. Well, another skill you can compound on top of this is you can learn how to market, right? Like how to get the word out about the thing that you're selling. And then if you get really good at that, then now you could say, man, what if I added another skill on top of this to where I taught people marketing and sales and I started an agency where I actually did marketing and sales for people. See what I'm saying? Like, now that kind of business would be way less risky to start. Instead of just Joe Schmo with the beeper and fax machine version of Skillz from 1989 saying, I'm going to start a business, like, that's probably not a good idea. But if you want to get on the fast track to wealth and financial freedom, you got to level up those skills. Because the more you level up those skills, the less risky starting a business becomes. And I'm telling you right now, starting a business is the number one fastest way that you could potentially make that financial freedom for you and your family, okay? But don't try to just start a business out of nothing. Like, you got to sharpen even the skills that you have now. You might be sitting here watching, going, like, I don't have any skills. Like, you know, I'm just a. Whatever, I'm just a barista. Or I'm just a car salesman. I'm just a stay at home mom. I'm telling you this right now. I have students who are baristas. I have students who are stay at home moms. I have students who are car salesmen. And all of them are making thousands of dollars every month teaching the thing that they are passionate about, that they are knowledgeable about, or simply the thing that they're just one or two steps ahead of everybody else who's interested in the thing. So don't, like, don't discourage yourself by saying, man, I'm not skilled. You can do this. You already have certain passions, certain skills Certain experiences that not many people have. Leverage those things, man. Leverage them. And actually, that brings me to step number three. So step number one, you've got to become more valuable and increase your skills so that they can begin a compound. And you now have a success ladder to get from where you are to where you want to be. Step number two, use those skills to start a business, right? So that you can get on the fast track. And step number three, come with me to the board. Step number three, you have to learn how to leverage opportunities. What does that mean? Learn how to leverage opportunities? Well, listen, there is a story of a Greek mathematician from way back in the day, hundreds of years ago. His name was Archimedes, okay? And if you've ever heard the phrase eureka, he's the guy who came up with that phrase. In fact, the story for that phrase is really goofy and silly. He was in a bathtub, and like I said, he's a mathematician. So he's trying to figure out this math problem in his head, and he's in the bathtub working on this math problem, and he finally figured out, like, this crazy, insane math problem. It was so, like, breakthrough, revolutionary for him that he jumped out of the bathtub and he took off running down the street screaming this word, eureka. Eureka. And people are like, what in the world is this weird, like, naked mathematician dude screaming this random word down the street doing? But that's what made him famous. But even though he's known for the eureka, he. The eureka word and that story, his real sauce, his real secret sauce was in this concept of leverage. In fact, Archimedes said it like this. Give me a leverage and a sure place to stand, and I can move the Earth. What does that mean? Okay, so I want to paint a picture here. This is what leverage is, okay? Leverage. Let's say you're here, okay? And you have this task of trying to move this. Actually, I was going to say gigantic boulder, but let's make it more gigantic, right? You have this task of trying to move this gigantic boulder, this thing that just like, that's impossible. There's no way I can't lift it. Right? And so now you're like, oh, my gosh, how am I going to do this? Well, if you try to lift the boulder in your own strength, then obviously it's going to be super hard to do in your own strength. However. However, if you have a lever, okay, That's a leverage, okay? And you have a sure place to stand, right? You have a solid foundation where you can actually use this Lever, then it's just science. Guys, like this guy. Now, let's give him a smile now, right? Because he has a lever and a sure place to stand. Now, moving this gigantic boulder becomes way easier because all you have to do is pull on this lever, and the lever does the work for you because of how it's positioned. Okay, so what does this story have to do with you getting on the fast track to financial freedom? I'm glad you asked. Okay, what you need now that you've built these skills that are compounding, okay, now that you've started your business, you need to learn how to take opportunities that your business is providing for you and leverage them. Like, I know it seems crazy, like, to move the boulder of, like, I want to get to financial freedom. Like, there's no way possible. Yes, there is. And there's many, many, many opportunities that you can take in order to get there. But you need to stop trying to figure it out, like, in your own strength, right? Like, man, I don't know if I have to just work harder, and maybe I have to work longer. One of the reasons why most people stay broke their whole entire life is because they're only looking at wealth creation through the lens of an employee, through the lens of a worker. And unfortunately, the mindset and the lens of an employee or a worker is wealth is created through trading my time and my effort for dollars. So guess what they're going to do when you say, yo, you can move this boulder. And as soon as you move it, financial freedom's on the other side. And they're like, well, I can never be able to move the boulder because the only way that I can create wealth is with my time and with my dollar. But what you have to do, watching this training, okay, you have to take off the employee and the worker glasses, and you have to put on the glasses that, you know. I say glasses because it's the frame, the lens that we see reality through, put on the new way of thinking, the new pair of glasses that says, I am skilled. I am an entrepreneur. I'm a business owner who solves problems for people. Okay, so now you're not thinking, okay, I need to move this boulder in my own strength, with my own muscles and my time. Now you're thinking, what leverage do I have that I can begin to move this gigantic obstacle out of the way with ease? With ease. That way, I can finally get to the goal where I desire to be. Guys, this is how people can make money super, super easily. In fact, I tell you guys, and gals this all the time here on my YouTube channel. It's easier to make a lot of money in a short amount of time than it is to make a little bit of money over a long period of time. And I know hearing that for the first time with the mentality of an employee or a worker, it just sounds like that's not true. But I'm telling you this right now. Give me a lever and a sure place to stand, right, And I will be able to move the earth. This is how people are achieving crazy, incredible, massive results in their businesses. Because those skills that they acquired in the beginning, they're putting into their business. And now those skills with the business, you can now leverage opportunities. What are some ways to leverage opportunities? I'm glad you asked. Okay. One of the ways that you can leverage somebody else's opportunity is you can leverage what's called opm, or in other words, this is other people's money. Okay, now what is it? What am I saying here? Yes, I'm talking about debt. Okay? Again, like I said in the beginning of the training here, not all debt is created equal. Okay? I'm not talking about going out and taking out loans just to buy, like, the, you know, the really nice fur coat that you absolutely had to have, right? And like, it's not an asset at all. It's a liability, right? But you can go out and borrow money at a low interest rate, 5%, 6%, even 7%. And if you invest that money into your business, right, then you could potentially make way more back than just that 5% that it's costing you. You can make 10% on your money, 15% of your money. There have been many times that I have leveraged debt, right? I've borrowed money and let's say I borrowed it at 6% and I put it into my business, let's say in marketing, right? And I pushed the gas even harder on marketing with debt. And those dollars turned into hundreds and thousands and tens of thousands and hundreds of thousands and even millions of dollars simply because of the debt that I use. Now, if I had a saver mentality, then I wanted to, like, save my way and pay for cash. Well, this is what I'm talking about. Other people's money can be an amazing lever that you use if you use it wisely to go from where you are to where you desire to be in your financial freedom journey. But you've got to think smart about this. This is why I cannot stress to you enough. You need those skills, like, wherever you're at right now, the foundation to getting on the fast track to financial freedom. You've got to develop your skills, man. In fact, the Bible, when the Bible tells us in Proverbs, chapter four, to get wisdom. That word wisdom there is the Hebrew word shock ma, and it literally means skill. So, like, when we ask God for wisdom, we're not asking God to, like, poof some, like, wisdom on us. We're literally. We're literally asking God, God make me more skilled, right? And God saying, hey, you should get wisdom. And he's not saying you should get some, like, poofed out, like, supersonic brain waves that now you're wise. He's saying, get wisdom. He's saying, get skilled. Like, think about it. Why does wisdom make our life better? Because when you're skilled in relationships, your relationships are better. When you're skilled in finances, your finances are better. When you're skilled in health, your health is better, right? And on and on and on. When you're skilled in business, then. Then your business grows, right? So we have got to establish those skills so that when we do, we can start a business and we can start leveraging things to rapidly accelerate our journey. What's some more things that you can leverage? Okay, I'm glad you asked. Check this out. Hey, real quick. If you've made it this far into the video and you're liking it, do me a favor. Share this video with somebody that you think might also receive some value. My biggest heart in this channel, it's to simply bring some awareness, financial literacy, and do it all from a biblical perspective. So go ahead and share the video, like, and subscribe. Do all that stuff, too. Back to the video. First thing you can do is you can leverage opm, which is other people's money. Another thing that you can leverage, I call opa, okay? This is other people's audiences, okay? Like, you don't have to be overwhelmed with this idea. Like, man, like, there's. This is so much work. And, like, I have to, like, go out and build this huge audience and, like, build this network and all this stuff. Guys, I'm telling you right now, there are people in your niche, there are people in your market who already have the audience that would be perfect for your offer for your business that you can help with all of those skills that are compounding in your life. All you have to do is go leverage a relationship, okay? Remember the lever, right? And it feels so daunting to have to create this huge audience. I have to move this big rock all by myself. No, you don't. All you need is a lever, right? Go to somebody that has an audience that would be perfect for your skills, your business, the way that you can help solve their problems and strike a deal with them. Hey, listen, you've got an audience, got an offer, or a business that can solve a lot of their problems. What if we did a JV deal, a joint venture deal, to where you pull me in on your podcast, or you interview me on your show, or you go live with me on Instagram or whatever? I'm just giving you some ideas, right? And I will do my thing, and anyone that purchases my thing, I'll give you whatever, 50% of the sales. Now, you've leveraged a relationship. You've leveraged other people's audiences. And now instead of you filling the daunting task of having to move the Boulder of I have to build my own audience. This is super hard. Oh, my gosh, it's gonna take forever. You just pulled the lever. You did a deal, right? You did a partnership, and now you are in front of an audience. Like this. Like, this is the power of leverage, guys. This is how people get on the fast track to financial freedom, is they're doing these very, very simple things that I'm encouraging you to do. Okay, what's another thing that you can leverage here? Okay, well, we can leverage other people's money, which is debt. We could leverage other people's audiences. Okay? And another version of this, too, I like to call ops, okay? You can leverage other people's stages. Okay? There are tons of people right now who are wanting to put on an online event, or they have a conference coming up, or they have some kind of training, or they want to have this specialized course in their program, and they just. They're like, man, it would be so cool if I could teach this course, but I don't know all the ins and outs of it. Well, what if you were to say, listen, I would love to partner with you, and you know the thing that you need for your conference, for your stage, again, maybe for your podcast, right? Because it's a variation of audience, right? The very thing that you are desiring and needing to help your audience. What if you put me on that stage and I can do it for you as a representative of what you're building, and let's strike a deal. Like, any sales that come in from my thing, I'll give you 50%. Like, guys, I'm telling you this right now. The reason why so many people stay broke, they stay in lack is because they're not willing to leverage other people's stuff. And guys, this is how business works. When you become skilled and you start that business and you learn how to leverage opportunities, this wealth creation thing speeds up. That's why I said at the beginning of the training today that wealth is measured more in time than it is in dollars. Because the punchline that I'm trying to get y' all to really realize is the faster you can figure this wealth thing out, the longer you can have to enjoy the wealth with the people that you love the most. Let me know down in the comments which one of these three things stood out to you the most. Make sure again to like and subscribe. If you want to continue seeing more content like this, check out this next video that's coming up and we'll see you in the next training.
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