I'm probably a typical Payne's Education student. I had no previous investing experience other than mutual funds and at one point working with a fiduciary financial advisor. After the challenging investment environment coming out of the pandemic I decided to take charge of my own investment portfolio and I needed tools to do so. I started with Payne's Education in December 2023, the curriculum and instructors are top notch and learning the material is fun. I have gained the knowledge and confidence to make investment decisions that have shown positive returns to my portfolio. Charles, thank you to you and your team for being an integral part of my investing journey.