Today we bring you our goals for 2025 along with some upcoming changes to the podcast.

Every year, we like to map out some of our goals and what we aim to accomplish.

We break these down into the following categories:

• Money/Finance
• Fitness
• Family/Relationship
• Other

Some examples of Cody’s goals include:

• Doubling down on what works for business and finance
• Completing an Ironman
• Cutting out bad relationships and doubling down on good ones
• Completing the build for his “forever” home

Some of Justin’s Goals include:

• Running a sub-22-min 5k and completing a half-marathon
• Simplifying the investment account sprawl
• Coming away from his trip with a short list of slow travel locations
• Writing more

In the episode, you’ll get the full breakdown of all the goals and why some of these are the focus for 2025.

We hope you enjoyed this goal-setting episode and are inspired to make some big moves in 2025.

If you found value in the episode, please share it with a friend!

Links from The Episode

• Traveling the World for $46/day
• 2023 Recap and 2024 Goals

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

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CodyDBerman.com (Cody’s Blog)

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Today we bring you a Christmas special of sorts.

The 12 money lessons as a play on the 12 days of Christmas.

These are some of the most foundational takeaways we’ve realized during our financial journey.

We truly believe if you master these lessons, you’ll have a clear path to hitting your money goals.

12 Money Lessons We Cover:

• Retirement is a number, not an age
  • 4% rule or cash flow method

• Your first investment should be in yourself
  • $10K toward self-betterment will likely go a lot further than it will in the S&P or RE at the beginning of your journey

• Compound interest is insane 
  • Investing $500 a month from 25 – 45 and then stopping will give you ~$1M in retirement at 65. Investing $1,000 a month from 45-65 will give you only $500,000. Start Early.

• The 80/20 of spending
  • Focusing on the “big 3” (housing, transportation, food) will do way more for you than penny-pinching in other categories

• There’s no “right way” to reach financial independence
  • If someone tells you the X is the only way, they’re lying or trying to sell you something. Can be done via index funds, RE, corporate job, digital products, etc.

• Action > Information
  • You will learn way more by actually doing the thing, than reading books, listening to podcasts, or watching YouTube videos about it.
  • Now is not a bad time to start
    • Almost anytime you look back 4 years at investing you’ll wish you would have bought even more which is just a sure sign that if you feel like you need to wait to invest, you’re probably wrong

• Do the experience
  • You’ll probably never regret the money spent on a memorable activity with friends and family

• It’s not about the money
  • Yes, you’ll need to focus on money for a while and build up a nest egg but it the end the money is just a tool to give you the freedom to focus on the things you really care about, it’s not about lavishness or material obsession. Saving up a ton of money doesn’t make you a greedy person

• Don’t make a plan, make a contract
  • Investing will have turbulence and that’s when people are most likely to make bad decisions. This happens when we let our emotions get involved. Instead of making a general plan, make some hard contractual-type promises with yourself so that when times get tough, you don’t even consider making rash decisions

• You’ll adjust to anything
  • This can be an advantage or disadvantage. The advantage is that you can live a lifestyle very different to others and find that you can still reach a very high level of happiness. The disadvantage comes when we have lifestyle inflation and our spending keeps increasing but the novelty wears off and we don’t feel any different but our spending has increased dramatically

• You can’t know where to go,  if you don’t know where you are
  • Getting an accurate state of your finances and spending is critical. You don’t have to fixate on creating a budget right away but definitely track your spending with extreme accuracy for a few months so you have real data to work with
  • It’s not about how much you make, it’s about how much you keep (there are people making $200k living paycheck to paycheck, and people making $50k saving 50%)

• Be informed
  • I try not to tell people what they can and can’t spend money on, just do the math to understand what the decision you’re making now means for your future self. Get comfortable with some basic spreadsheet math and project out things, compare options, just take a pause and do some calculations

We hope you enjoyed this special episode and these lessons for your financial journey.

If you found value in the episode, please share it with a friend!

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

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CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

Jordan Grumet aka Doc G brings his brilliant insights to help listeners find answers to one of the hardest questions we battle with, what is our purpose?

That gets broken down in this episode and his upcoming book, The Purpose Code.

He has a history as a physician which brings amazing perspectives, especially from his time as a hospice doctor.

Jordan recounts his life lessons to explain how to find purpose and shed the anxiety that normally comes with that search.

He also breaks down the difference between regret and disappointment.

Jordan does a phenomenal job of incorporating exercises at the end of each chapter to put what you read into practice.

The book and discussion don’t just stop with your life but also discuss how to leave a lasting legacy for others.

There’s no doubt that Jordan has some of the most thoughtful and insightful conversations anywhere in the personal finance space.

If you enjoyed this episode, please share it with a friend!

Links from The Episode

• The Purpose Code Book
• Jordan’s Website
• Earn and Invest Podcast
• Jordan’s First Episode on The FI Show

YouTube Interview

https://youtu.be/DunvVz_JdTc

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

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CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

Someone recently asked me: “How did you reach FI?”

I didn’t have a great answer for them that didn’t take 30+ minutes to explain.

So, I recorded a podcast episode outlining my entire FI Journey – all the numbers, all the income streams, all the expenses, year over year.

Below are the notes I created to guide the episode.

2016

• Read the 4-Hour Workweek
• Started my first real business, Arsenal Discs
• Learned how to build a website, marketing, sales, networking, negotiations, pricing, product design… all the HARD way

2017

• Discovered FI through Mr. Money Mustache
• Started listening to podcasts like ChooseFI and Afford Anything
• Read books like Simple Path to Wealth and Your Money or Your Life
• Learned about side hustles, taxes, the 4% rule, etc.
• Despite all this, didn’t really have any money since I was paying for college
• Locked in job for July 2018, plan was to work 7-10 years to hit FI

2018

• Went to CampFI in January and FI became “real”
• Lived in Australia with lots of time on my hands and started side hustling after being unable to find a regular job
• Blog launched in April 2018 to document my journey
• Started working as a commercial RE lender in July 2018 once I returned to the U.S.
  • All-in comp was $80-85k
  • Knowing that FI existed was a blessing and a curse
• Launched podcast in August 2018 (nothing else like it)
• FinCon 2018 (CampFI on steroids) – met Grant and others
• By the end of that year, I had tried a dozen new side hustles (blogging, podcasting, freelance writing, building websites, editing podcasts, affiliate marketing, digital products, etc)
• Income: $44,000, Net worth: $75,000, Stock market: -6.24%

2019

• Quit my corporate job on January 31, 2019 with $30,000+ saved
• Side hustles were bringing in $1,200 per month, but my expenses were the same ($450 rent, paid off car, super frugal)
• Financial Freedom book tour March-May of 2019
• Teamed up with Julie to launch Gold City Ventures in June 2019
  • So many people asking for 1-on-1, wanted to teach at scale
  • Most of my time after that was spent working on Gold City Ventures
  • Practicing my craft to teach better
  • Managing a community, recording & packaging content, hiring people
  • Originally launched E-Printables, a blogging course, and a freelancing course
  • LOTs of learning lessons from this business
• Income: $96,000, Net worth: $179,000, Stock market: 28.88%

2020

• Went all-in on digital products (dropped blogging and freelancing from GCV)
  • Etsy shop, Shopify store, templates, etc.
• Continued to live extremely frugally (spending less than $25,000/year)
• Bought 3-unit house hack in September 2020
  • $235,000, we lived in the basement, rent $2,200, expenses $1,700
• Bought duplex in November 2020
  • $170,000, rent $2,250, expenses $1,350
• Bought 3-unit house hack in December 2020
  • $315,000, we moved to 1BR/1BA, rent $2,600, expenses $2,100
  • First house hack jumped to $3,000 in rent once we moved out
• Income: $198,000, Net worth: $392,000, Stock market: 16.26%

2021

• Started freelancing for Motley Fool (who acquired MillennialMoney.com)
  • Extra $10K/month, SEO, “thinking big”, awesome team
• Bought triplex in May 2021
  • $245,000, rent $2,900, expenses $1,900
• ~$200,000 in down payments came from digital product income
• Gold City Ventures continues to grow rapidly
• Income: $403,000, Net worth: $1,035,000, Stock market: 26.89%
• Financial Freedom! 
  • Had RE making $3,000+ in cash flow, $500,000+ invested in the stock market
  • In addition to the semi-passive $20,000+ per month I was earning with digital products

Since I reached financial independence, I have continued to work on my main business, Gold City Ventures and invest 90%+ of my income into index funds and real estate.

Links from the Episode

• CodyDBerman.com (previously FlytoFi)
• The FI Show (first episode)
• Gold City Ventures

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

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CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

Justin retired 1 year ago today!

What did he do? How does he feel? Did the numbers work out as expected?

Luckily for you, he’s dropped all the answers to that in the show with the highlights below.

Read on for Justin’s notes:

Numerical Highlights from Year 1:

• Averaged around $2500/mo or $30k/yr  spending
• Networth increased by ~400k ($1.7M -> $2.1M)
• Continued to save money
• 4% SWR + Passive Income = ~13k/mo or $156k/yr if I wanted

Retirement Feelings Explained:

• Relaxed:  just being yourself and no corporate coating, 
• Awkward: Realizing every American interaction with someone starts off with work followed by me trying to explain the situation and balancing the outward perception from <oh poor thing is jobless> to <this prick trying to flaunt how good he has it>
• Proud: as someone who is often hard on themself for not sticking to things, financial independence took real commitment for ~9 years. 
• Scared: that I’ll have great ideas I want to try, memories I want to make, relationships I want to strengthen, or  things I want to discuss… but discover that those I want to do it with don’t want those things at all
• Relieved: After a year, I find similarities to the relief I felt over telling everyone I gave up alcohol. Saying aloud that I’ve done something that 99% of people will never do felt very weird at first, but then I adjusted to that 1% weirdo being my story, and the people who truly care about me let you be that 1% weirdo. And that exchange ends with a lot of relief. 
• Responsible: I feel a responsibility to push the people I love the most to take ownership of their financial lives 
• Satisfied: Not from a mentality that everything that needs to be accomplished is accomplished. My sense of satisfaction comes from knowing that the first year of retirement was worth every decision and delayed gratification even if it’s the only year of financial freedom I ever get.

Detailed Breakdown of Year 1 Activities:

December 2023

• Hosted my niece for a week in Austin
• Made custom laser engraved gifts for my mom and good friend
• Tried Franklins BBQ and Interstellar BBQ for the first time
• Planned and purchased everything for a kitchen remodel
• Saw several movies
• Redesigned ripped dip packaging
• Attended consumer product goods meetups
• Went to the trail of lights
• Did a baby kangaroo feeding experience
• Redesigned my Dad’s upstairs to be a sudo apartment in Mississippi
• Ripped up old flooring and prepped concrete for staining 
• Replaced all the windows in the flip
• Spent two weeks in Mississippi
• Enjoyed Christmas with my family
• Tons of workouts

January 2024

• Two weeks in Mississippi
• Someone hit and totaled my Tesla
• Redid Kitchen in Leslie’s family beach house
  • Lots of other projects there like replacing all the hardware for the doors
• Spent a week on the Texas coast
• Saw several movies
• Lots of cooking
• Lots of workouts
• Dove into Ninja Creamis

February 2024

• Spent two weeks on the Texas coast
• More beach house remodeling
• Went to the Austin Symphony
• Took the train to Dallas
• Completed the purchase of my New (to me) Tesla Model Y
• Spent a couple of days with my best friend in Dallas
• Spent a week in Mississippi
• Lots of remodeling on the flip house
• Attended a Rodeo
• Took my niece to a concert in Nashville

March 2024

• Spent two weeks in Mississippi
• Played golf
• Replaced doors and painted the exterior of the flip house
• Drove back to Austin
• Tried a new boxing class
• Did my first Dexa scan (10.1% body fat)
• Spent a week in Miami
• Attended Ultra music festival
• Went to two additional concerts
• Drove back to Texas Coast

April 2024

• More remodeling on Texas beach house
• Found outfits for our engagement (surprise to Leslie)
• Made pies/desserts for Leslie’s Brother’s 50th birthday
• Spent two weeks in Portugal
• Got engaged
• A quick trip to Paris
• Volunteered for Preservation Austin home tour
• Spent a week in Puerto Vallarta

May 2024

• Hosted my parents in Austin
• Threw an engagement party
• Another trip to the Texas Coast
• Yoga wellness day trip
• DeadMau5 show in Austin
• Spent 10 days in Chicago
• Attended Beyond Wonderland music festival in Chicago
• Tons of catching up with friends, sporting events, new restaurants, museums etc

June 2024

• 4 more days in Chicago
• House sitting for Leslie’s brother
• 10 days in Mississippi
• More work on the flip house
• Cookout for Father’s Day
• Consumer Product Goods event
• Spent a week in Alaska
• Took a private plane flight around the glaciers and mountains

July 2024

• Spent two weeks across Oregon/Washington
• Odesza concert at The Gorge on the 4th of July
• Oregon Coast stay
• Clamming
• Exploring Portland
• Berry Picking
• Beautiful hikes
• Highland cow experience
• House sitting for Leslie’s Brother
• Week in Puerto Rico

August 2024

• Traveled to southern Mississippi
• Attended my Aunt’s wedding
• Spent a couple of days with my Aunt
• Spent over two weeks in Africa
• Hiked Kilimanjaro
• Did African Safari

September 2024

• Boat day Lake Austin
• Knocked off some local Austin restaurants from the wishlist
• Began planning our 6 month international trip
• Started taking running more seriously
• Mississippi State vs Texas football game
• Hosted friends from Mississippi
• Kygo concert

October 2024

• F45 photoshoot
• Celebrated Rhonda’s birthday
• Staycation downtown Austin
• Maggie Rogers concert
• ACL
• Domdolla concert
• Baking spree (first biscuits, high protein desserts)
• Started building cookbook
• Vintage culture concert
• Ride along in a rally car
• Leslie 10yr college reunion

November 2024

• Austin Networking getaway weekend
• Wedding Expo
• Hosted 5k / Friendsgiving
• Spent 11 days in Dallas with my best friend
• Creed concert
• Hyrox race
• 4 days in Mercury Texas for Thanksgiving
• Wooli concert

It’s obvious that Justin didn’t get bored in retirement or feel as though he was just sitting around being worthless.

We hope you enjoyed this detailed breakdown and case study of what a real example of retirement looks like.

If you found value in the episode, please share it with a friend!

Links from the Episode

• Justin’s Retirement Announcement Episode
• $5,000,000 Net Worth and 2,000,000 Downloads Episode

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

Learn More About Your Hosts

CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

In this episode, Cody and Justin discuss what they’re thankful for and the importance of focusing on what you can control.

We recorded this episode shortly after Election Day.

Elections leave a lot of people feeling defeated and a lot of people feeling like they’ve won.

The reality is that neither is true.

You are the most critical variable in your financial independence journey, regardless of who’s sitting in the Oval Office.

The key is to focus on what you can control and to appreciate the privilege that you have.

Even if things don’t seem rosy, the hardest experiences often shape us the most and transform us into better versions of ourselves.

We hope this inspires you to evaluate your life, appreciate your advantages, spend some time in gratitude, and get inspired for your next chapter in life.

If you found value in the episode, please share it with a friend!

Links from the Episode

• The Purpose Code

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

Learn More About Your Hosts

CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

It’s open enrollment season, meaning making healthcare choices for the upcoming year.

So for today’s episode, we’re featuring FI healthcare experts Lynn Frair and Jackie Cummings Koski.

We cover:

• HSAs
• Healthshare Ministries
• Subsidized Care
• Deductible and Out-ot-Pocket Maximums
• Open Enrollment
• State Healthcare Exchanges
• End-of-life Care
• Emergency Funds

and more!

If you enjoyed this episode, please share it with a friend!

Links and Resources

• Lynn’s Instagram
• Jackie’s Instagram
• Heatlhcare.gov
• WexInc HSA vs Traditional Calculator
• Mad Fientist article on HSAs

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

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CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

Cody joins Amy Porterfield on the Online Marketing Made Easy podcast to talk all about digital products.

He covers topics such as:

• The best platforms to sell digital products
• How to find digital products you might already own
• How to get more subscribers using printables
• How to make more money with digital products
• How to add digital products to your existing business

And all about what’s inside his E-Printables course.

Hope this helps someone else start their digital product journey.

If you enjoyed this, please share this episode with a friend!

Links from The Episode

• E-Printables Course (with FI Show discount)
• Original episode on Online Marketing Made Easy

YouTube Interview

https://www.youtube.com/watch?v=E_ELCryyjEM

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFiShow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

Learn More About Your Hosts

CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

Our friend Sunitha Rao came from humble beginnings.

Her parents spent most of their lives in one of the poorest regions in India.

Despite all odds, Suni became a professional tennis player and traveled the globe playing in different tournaments.

Years later, she turned her competitive nature toward real estate.

Her real estate career quickly started to explode, and she’s been addicted ever since.

This episode originally aired in 2019, but it was so good, we decided to replay it.

If you enjoyed this episode, please share it with a friend!

Links from The Episode

• • Suni’s Original Episode from 2019
  • Suni’s LinkedIn
  • Suni’s Instagram

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

Learn More About Your Hosts

CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

2,000,000 downloads!

And it’s all thanks to listeners, viewers, and readers like yourself.

In today’s episode, we reflect on everything that has changed and everything that hasn’t.

Cody & Justin have increased their net worths by a combined $5,000,000!

Justin retired 10 years sooner than he ever imagined.

Cody created a multi-seven-figure business around an idea he never even considered.

Those are just a couple of big highlights with other highlights including:

• New Investment Strategies
  • Flips
  • AirBnB – ownership and management
  • Covered Calls
  • Syndications
  • Hard Money Loans
• Lifestyle Changes
  • Girlfriends have become Wife/Fiance
  • Justin stopped drinking
  • Cody and Justin are in even better physical shape than 6 years ago
  • They both focus more on value than purely price
  • Justin listens to EDM and drinks coffee….never saw that coming
• What Hasn’t Changed
  • Keeping the “big 3” expenses low
  • The majority of our investments are still total stock market funds
  • Experiences are still the priority over material objects

We continue to do this show because of you all.

Every time we hear a story of how we inspired someone or introduced them to a concept that is now helping them live the life they dreamed of, it pushes us to keep going.

We hope you found value in the episode, if you did, subscribe, leave a review, and share with a friend!

Links from The Episode

• 2018 Reflection, 2019 Goals episode
• 2019 Valentine’s Day episode

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

1. Grab the Ultimate FI Spreadsheet
2. Join our Facebook Group
3. Leave us a voicemail
4. Send an email to contact [at] TheFIshow [dot] com

If you like what you hear, please subscribe and leave a rating/review!

>> You can do that by clicking here <<

Learn More About Your Hosts

CodyDBerman.com (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

Jane Kanizay went from financial freedom to divorce to financial freedom again while achieving amazing physical feats along the way. Jane is an adventurer, educator, activist, speaker, artist, and ​mother of four who successfully climbed Mt. Everest ​with her 19-year-old daughter on May 14th, 2022. Jane climbs with the message of Teach Us Consent to campaign for ​holistic consent education in the school curriculum and to ​advocate for the prevention of violence against women. This mission helps push her to her physical and mental limits. High-altitude mountaineering is one of the deadliest sports in the ​world. It's also very expensive and hard to imagine being possible for most teachers. That's where Jane's background in real estate shines. She built a portfolio that is now funding her amazing adventures. She also gives us an in-depth breakdown of the financial abuse she tries to educate on and advocate against. Some signs of this abuse from a partner might include: Controls access to finances, won’t let you access bank accounts or credit cards Expects you to pay for bills, groceries, and other basic necessities but gives you little or no money to cover those costs Forbids you from working or deliberately sabotages your ability to get or hold down a job Refuses to work or contribute to family expenses Takes out loans or accrues debt in your name Doesn’t include you in significant investment or banking decisions Refuses to pay or evades child support Hides assets Incurs fines or infringements in your name then expects you to pay them Jane's story is so inspirational and we hope that she helps you get out of your comfort zone and achieve the seemingly impossible. If you enjoyed this episode, please share it with a friend! Links from The Episode Jane's Instagram Jane's Website Teach Us Consent Caitlin James' Episode YouTube Interview https://youtu.be/JUHxxcX8AKY Join the Community We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Grab the Ultimate FI Spreadsheet Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFIshow [dot] com If you like what you hear, please subscribe and leave a rating/review! >> You can do that by clicking here << Learn More About Your Hosts CodyDBerman.com (Cody’s Blog) Saving-Sherpa (Justin’s blog)