E784 | The Interesting Relationship Between Time and Money

The True Value of Time and Money: Lessons for Clinicians and Business Owners

As clinicians and business owners, we often find ourselves caught in a cycle of trading time for money. We work long hours, tackle every task ourselves, and struggle to find balance. But what if the way we view time and money is holding us back? In a recent episode of The PT Entrepreneur Podcast, Dr. Danny shared profound insights on the relationship between these two critical resources and how reframing them can transform your life and business.

Reframing Money: A Tool for Growth

For many of us, money feels scarce. We’re taught to save it, protect it, and avoid risks. But Dr. Danny challenges us to see money differently—not as something to hoard, but as a tool.

Money, he explains, is simply a store of value and energy. It represents the work you’ve done and the value you’ve created in the world. The problem is, many of us focus too much on saving every dollar rather than using it strategically. Investing in skills, mentorship, or systems that can help us grow is often seen as a “cost” rather than an opportunity to expand our impact—and our income.

So, what’s the shift? Understand that money is infinite. You can earn more of it. What’s truly finite is your time.

Time: The Most Valuable Asset

Time, unlike money, can’t be replenished. We all have the same 24 hours in a day, and none of us know how many days we’ll have. Dr. Danny shares a striking example: If someone offered you 70 more years of life in exchange for every dollar you have, you’d probably make the trade without hesitation. That’s how much we inherently value time, especially as we age.

The challenge is, we often don’t treat time as precious until it’s too late. We waste hours trying to do everything ourselves, thinking we’re saving money by not hiring help or investing in technology. But what we’re really doing is trading a finite resource—our time—for a resource we can always earn back.

The Key to Time and Financial Freedom

Dr. Danny emphasizes the power of leverage:

• Investing in Skills: If you don’t know how to sell, market, or run your business effectively, invest in learning these skills. They’ll pay off exponentially.
• Leveraging People: Hiring staff allows you to multiply your impact. Instead of seeing 100 patients a month, you can see 300 by adding providers.
• Optimizing Systems: Technology and processes can save you hours, letting you focus on high-value tasks—or enjoying life outside of work.

When you stop viewing these investments as costs and start seeing them as tools to free up time and scale your business, everything changes.

A Better Way Forward

The bottom line? Don’t let the scarcity mindset hold you back. Whether it’s a patient refusing to invest in a plan of care or a business owner hesitant to hire a coach, the principle is the same: Stop trading your time for less money and start leveraging money to create more time.

As Dr. Danny puts it: "Your time is finite. Invest your money in ways that give you the freedom to spend your time doing what truly matters—whether that’s growing your business, spending time with your family, or just living life to the fullest."

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Podcast Transcript

Danny: Hey, real quick, if you were serious about starting or growing your cash based practice, I want to formally invite you to go to Facebook and join our PT entrepreneurs Facebook group. This is a group of over 6, 000 providers all over the country. And it's a pretty amazing place to start to get involved in the conversation.

Hope to see you there soon. Hey, are you a physical therapist looking to leverage your skillset in a way that helps you create time and financial freedom for yourself and your family? If so, you're in the right spot. My name is Danny Matta and over the last 15 years, I've done pretty much everything you can in the profession.

I've been a staff PT, I've been an active duty military officer, physical therapist. I've started my own cash practice. I've sold that cash practice and to date, my company physical therapy business helped over a thousand clinicians start growing scale, their own cash practices. So if this sounds like something you want to do, listen up, cause I'm here to help you.

Hey, what's going on? Dr Danny here with the PT entrepreneur podcast. And today we're talking about money and we're talking about time. So I want to set the stage for this by just kind of giving you some context about what I want to talk about in regards to some conversations we had with our acquisition team, as well as clients that.

That that we have that we work with and some of the, you know sales challenges they were seeing as business owners, right? This is nothing new for clinicians. Typically they are not great at sales naturally. I mean, honestly, you kind of are because you have a lot of the right skills, but. Money freaks you out usually.

So some of this is about like conversations we had in regards to reframing the way that we look at money and time to help with, you know, being able to position a plan of care correctly and not feel the sort of stress of not feeling like what you do is worthwhile. Right. And then same thing with our acquisition team and kind of talking through, you know, what it is that we do and the monetary Cost associated with things and what that actually is.

And it's, and, and money's one of those interesting things where it can get like, you can get really sort of abstract with the way that you look at it. So, I mean, in, in general, the way that most people look at money. Is that it is a the thing you use to buy other things Right. It's like the thing you use to pay for things in your lifestyle and that is true for sure Right money is a is a convenient way to do that.

I look at money a little bit different. So I view money as Just a a store of energy a store of value equivalent to the value provide in the world, so That is dictated by and other people, you know, what they say is valuable. So why is it that a investment maker, you know, makes a million dollars a year and a physical therapist makes 80, 000 a year?

Well, it's because of the value that one role provides versus the other and not necessarily intrinsic value, but value to. the economy. If a physical therapist could generate, you know, millions of dollars with one patient that they helped out with some back pain, the way that you can, if you pull together an investment banking deal, then they would get compensated very differently.

Right? So money is directly tied to the value you're providing to the economy, to the, to the, the world around you. But money is a, is something that is stored. It's, it's, it's stored energy, essentially it's the work that you're doing is representation of the work that you're doing and it's there because otherwise we're bartering with one another, right?

It's like, okay, I'll help your, you with your back if you give me some, you know, eggs or whatever, right? So there's this bar system that is very inefficient that we don't need and money is a natural representation of. You know, the ability to buy and sell goods and services. So it's something that we use on a regular basis.

And we just think it's normal. But imagine if like, I don't know, somebody from a remote tribe that had never seen money before saw it for the first time and you had to explain it. It would be kind of weird. Right. Or if someone had no idea what it was and you try to explain what it was, it would, it would be kind of strange.

It's like, why does this paper have value, right? Like, well, that's why it's representing the value that you provided another way. But when we really sit down and we look at money, this is where it gets really interesting in regards to the relationship that we have with money and we have with time. So I think the most valuable asset on the planet is time.

It, and in fact, most people in, in different periods of their life would probably agree with me. I think if you're really young you don't value time all that much, but as you get older, time becomes incredibly valuable. Now imagine this. Let's say somebody had a billion dollars and they're on their deathbed.

They're, let's say they're 90 years old and if they could trade all the billion dollars they had for, you know, to go back and be 20 again, you think they would do it? I bet they would make that trade so fast, right? So which one's more valuable? Well, it depends on your depends on your context depends on your situation And you know the older that we get the the more that we find time Is more and more valuable and the less we actually tend to value value money partially as you get older you tend to have a bit more money as well, right?

So it's easy to say Money doesn't have as much value as time. You know, if you don't have any money, then what's your time worth, right? It's like not as valuable, obviously. So there's this, there's this sort of give and take, but one of the things that I want to talk about and really just kind of dig in on is, is this exchange.

Because as when I was younger, I spent, I spent my time to earn money. Now, I obviously have to earn money in some capacity, but I'm also looking at how can I leverage money to gain time back. And I, I want to have this you know, sort of like just open dialogue about why that is and why I think the sooner you can get to understand what I'm talking about, the more you're going to be able to have faster progress within Your business in particular because there's there's different ways to leverage things in your business, right?

You know, you can leverage information you can leverage the ability to borrow money, right so you can speed things up through Through loans you can leverage time you can leverage other people so you can hire employees and then now all of a sudden Instead of you only be able to see a hundred patients in a month.

Now you can see 300 patients in a month because you've hired two other providers can do the same thing and that's leverage, right? You're leveraging it with people. But when we look at money, money is this funny thing that we feel like is so scarce, but is actually you, you reproduce more of it. Assuming you have a job every single month, every single month, you get more money.

It gets replenished, right? You, you earn more and if you do a good job and you're good at what, you know, good at whatever it is that you do and you make progress, you end up eventually getting more and more, right? You get raises, you get rewarded for that and the amount of money that you make. goes up.

Now, time, on the other hand, is finite time. You don't get more of. Now you get an extra 24 hours every day you wake up, but that's not necessarily even guaranteed. And I'll give you a really relevant example of this. That is something that makes me even more aware of this exchange. So one of my friends, his one of his best friends died in his sleep.

This was a couple months ago, and he was in his late thirties. No no, like health issues, nothing like that. Turns out he had a heart attack while he was asleep, he, you know, went to bed one night, didn't wake up the next day and his family found him. And it was incredibly sad, very unexpected. And he's younger than me.

That is something that happens. Reality is that happens, you know, people have medical. Things that are that are unexpected that pop up accidents happen. So you don't know how much time you actually have We'd none of us do we assume we have quite a bit more But I bet that guy assumed he had a bit more as well And the reality is that he did not and we don't know so when you look at time Time is finite and it is rare and it is not guaranteed money is infinite If and maybe not to you or to me necessarily But money can be, you know, produced out of thin air.

If you want to see an example of that, just look at how much our monetary Supply has gone up, meaning how many dollars are in our actual economic system have increased. We've added more and more for many different reasons that are probably more complex than my tiny brain can be able to articulate, but there's a lot more than there, than there was even five, 10, 15, 20 years ago.

So more dollars just get produced overnight, added to the system overnight. It's infinite, the amount that, that can be produced. So we are trading time in this instance, which is finite for money. Which is infinite. Not only that, we're trading it for something that is going to devalue over time. Everybody is inflation is a buzzword, right?

It's like everybody and their brother talk about inflation now, which is ironic because inflation is nothing new. Inflation is something that's been around for pretty much as long as there's been monetary systems like what we have. And that means that your money is worth less each year that inflation goes up.

And it has been relatively bad. The last few years because of a number of factors, but that means that that 100 that you might be able to take to the grocery store and buy however many, you know, groceries with now you can buy 10 percent less, 15 percent less, whatever, whatever it is. And it's because the money.

Has devalued. It doesn't have the same buying power, but has time devalued. Does time devalue? Does it become less valuable over time? And if you really think about it, it becomes far more valuable over time. I was thinking about this other day with my my brother in law. It was his birthday and we were having a conversation about how it feels like time speeds up as you get older.

And if you really think about it each week for for me and my brother in law Is essentially shorter based on the life that we've lived compared to maybe his son who's eight So each week to his eight year old son relative to the eight years He's been alive is longer than one week is to us when we're 40.

So it does speed up and it does You become less of a percentage of our overall life and it, and it, and it feels like that for a reason. And as it becomes more and more scarce with the time that we have left, we value it even more and more and more. Now, why am I, why am I saying all this? Why am I teeing all this up?

It's like, dude, Danny, what are you talking about? Here's what I'm talking about. I constantly see people make decisions. to try to spend their time to save money. And, and this might be, in your case, with a patient. And they may say, you know, what you're talking about, I think is, it's too expensive. I'm gonna spend some time, I'm gonna look up some YouTube videos, maybe buy a couple books, try to piece together what I should do myself, and if that doesn't work, then I'll come back and, and you can help me with this.

Right? Let's say it's somebody that has chronic lower back pain. And to you, you might be thinking, this is silly. Why would you do that? Like I'm right here. I can help you. This is what it costs. This is a, this is a huge, this is a steal for what I'm going to be able to help you do. And frankly, for the amount of time I'd be able to save you, if you're trying to figure everything out on your own, logical to you, right?

Maybe not necessarily logical to that person because what they view is, well, I need this money for other things. So I'm going to then spend my time on X, Y, and Z. But to me, I think, well, what if I'm like my, my buddy's friend and you don't get that time back, like that's reality. That's something that actually happens.

You need to be aware of it and keep that top of mind, not to say to squander your money, but make intelligent investments. They get your. Time back that free up time that save you time. They get you to the end result that you want faster. So you can enjoy whatever it is because you don't know how long you have, you know, yeah, your back hurts.

What if you spend the next two years trying to resolve that and you have to avoid all these things that you would have been able to do with the people that you love doing them with. And you've had to avoid those because you're unwilling to take a. Asset that is going to devalue over time to then invest into something that's going to save you a massive amount of time and get you the results you want.

Seems like a logical solution, right? Why would someone not do that? Well, it's all about the frame of mind in which you look at things. And I can tell you, we have conversations with clinicians every single week, every single month. And they're in the same position, but slightly different information, slightly different end result.

Let's say we're talking to a clinician. And they say, yes, I would like to, you know, expand my business. I have, it's just me. I'm pretty busy, but I want to be able to grow past myself. And I want some help with that. All right, cool. Let's look at what this looks like. We can help you with this. We've helped hundreds of people do the same thing.

I don't want to, I don't want to pay for it. It's expensive. Right. So again, just like your person with a plan of care that you could help with your back. Now this is a different context. And you say, okay, cool. Let's think about this. How much time, money, energy is it going to take you to try to figure all these things out on your own versus actually do it the right way the first time.

Make sure we get you where you're trying to go and use best practices based on shared information of hundreds of providers that are doing this in real life, right? Like that is, it seems like a natural. All right, cool. Yeah, that makes more sense. In, in, in isolation and this is where money and your relationship with money and the way you view it comes into play.

This will help you with your sales and this will help you understand how you should invest your own money because that is what it's for. It is so that you can get your time back. That's it. So if you don't have skills that are going to help you generate more money How can you then in turn pay other people to do things so you can create time freedom?

Hey, sorry to interrupt the podcast, but I have a huge favor to ask of you. If you are a longtime listener or a new listener and you're finding value in this podcast, please head over to iTunes or Spotify or wherever you listen to the podcast, and please leave a rating and review. This is actually very helpful for us to get this podcast in front of more clinicians and really help them develop time and financial freedom.

So if you would do that, I would greatly appreciate it. Now back to the podcast. You have to start to reverse energy or what do I need? Do I know how to sell? Do I know how to market do I know how to get patients if you don't know those things? You need to pay somebody to teach you how to do those things If you're trying to become a physical therapist you go to a school To learn how to be a physical therapist and you go to con ed courses and find mentorship To learn how to be even better.

That's how it works. That's the fastest End result to get where you're trying to go. The slow option is to try to figure everything else out on your own And and probably not even do a good job of it and eventually have to hire somebody anyway This is what we see over and over and over again but yet we're so quick to take our time and use our time instead of a resource that is going to be replenished and Something that you're going to learn skills that are going to allow you to generate even more of that And I am so guilty of this because for me to get to the point Where I actually had to hire somebody to help me with my business.

I damn near had to ruin it in the process that that's what it took for me. I'm stubborn and money for my family was not like it was. We weren't broke by any means, but it sure wasn't something that it was. We frivolously spent money on anything. My family was that we don't go out to eat. And if we do go out to eat, you, we sure as hell aren't getting appetizer.

And I swear to God, if you get anything besides water, we're kicking you out of the restaurant. My dad would have just smacked us out of our chair. So money for our family was always scarce, super scarce. So when we started to get to a point where we started our business, that scarcity mentality for me was all about.

Like consume information, consume information, try to do everything on my own, and that'll only get you so far. And when you get to intricate situations like expansion cycles, and trying to leverage, you know, construction loans and equipment loans, and bringing on staff, and understanding, Cashflow and payroll and taxes and all this shit that we don't understand.

Ashley and I, we dug ourselves such a bad hole and we damn near spent every single dollar we had in our cash reserves, which we were very diligent about building up to six figures. And through our growth cycle that we went through the first time that we built out a standalone space, we spent basically all of it in such a stupid way because we thought we could figure it out on our own.

And it was a very, very expensive lesson for me to learn. I call it the idiot tax. I got the idiot tax bad whenever we decided to do that. Same thing. Think about a patient, right? Just think about how unlikely it is that they solve their own complex problem versus just working with you. And I know that drives you crazy because you know, you can help them.

And now think about all the things that they have to say no to or avoid and get stressed out thinking if they're ever going to be able to play. Ultimate Frisbee with their kid again or whatever it is that they're into when in actuality all they had to do was just exchange something that was infinite for something that is finite.

Exchange the money for time. You bridge that gap with them through expert information, knowledge, implementation, accountability. They get the result that they want. Win win. Now, for me, when I look at investing money, the first thing that I look at is I'm going to put money into something that is going to give me a skill set that's going to allow me to make more money if that's what I need.

If money is the constraint, then I need to invest in things that are going to give me more money. And this is where it gets really, really challenging for clinicians in particular, because just to check the box, to become a physical therapist, on average, the APTA says that students, That are graduating are coming out of school with roughly 150, 000 in student loans.

That's a big payment every single month. You've now invested 150, 000 into your education so that you can have a career. So you can have a job in this career field. That was an intentional investment whether you realize it at the time or not. When we look at from there, what happens next? When people decide that they want to try to do their own thing, start their own business, it's so illogical to say, well, let me invest in education.

Like I did for physical therapy, which is far worse of an investment. Like I always laugh when people, they're like, you know, well, I can't invest in understanding how to start and run a business. Like I have all these student loans. It's like, well, those aren't going to go anywhere. How do you expect to pay those fuckers off?

Like you think you're just going to chip away at it with a, you know, a couple of hundred bucks a month you can scrape together to then put towards your student loans because expenses are so, they're so high and your loans are, you're drowning in those. Here's what you have to do. Decrease your spending, make a bunch more money, take the delta of that and eradicate your loans.

That's what we see work with the people that we work with that can be disciplined about it. Otherwise, you're paying them off the rest of your life and it's sad. That's true. Like that is what happens to so many clinicians. They literally pay them off for decades and decades and they barely, you know, get rid of them by the time that they retire.

But if you could learn how to leverage your skill set that you just spent so much money on you work so hard on In a way that you could even you know 50 to 100 increase your your take home pay all of a sudden you can get those student loans taken care of real fast All of a sudden your 150 000 investment in your education for as a pt looks a hell of a lot better When you're doubling your income doing something slightly different with it So if you don't know the skills of sales marketing people processes finance You better learn those.

If you're trying to increase the money you make, so then you can get your time back. You can then free time up to do other things. The other thing that I look at is processes, systems, people, how can I take process systems, people, technology, invest in those things to create efficiency so that I'm spending less time on things that I need to do to generate.

And this is just business one on one in my eyes. Like you're looking for inefficiencies that you can then use technology or people to put it, put into places that allow that business to then generate more ROI, right? To employ people and generate more income in the business. That allows you to free up your time to do anything else that is that you want to do.

Maybe that's focusing on higher level tasks in the business. Maybe that's more leadership things. Maybe that's more recruiting. Maybe that's more bigger picture things. Maybe that's. Playing pickleball in the middle of the day with your spouse like whatever you want to do. It doesn't matter You are now investing money again You're taking money and you're investing it in somebody else or in some sort of technology And it allows you to free up time and for a lot of people what happens is they free that time up to then do Hire, we call dollar productive activities meaning you now can train your staff up better You now can go and develop better relationships.

You now can go and improve your marketing You now can go and learn about real estate and buy a building that you want. You can do other things because you've, you freed up time in order to do that. And that time resource don't forget is finite. So you're trading something that's infinite for something that's finite.

And that is always a good investment. Assuming you have the. Monetary capacity to be able to invest in those things. And sometimes it feels a bit sketchy to do so. And I've been there when we just got crushed in our, our standalone space build out and our growth cycle. I sure as hell didn't want to pay 1500 bucks a month to my first business coach, because I just squandered.

Six, you know, six figures of screwing a bunch of shit up that hurt really bad. It would have been a hell of a lot better if I would have done that. Whenever we had 100, 000 in cash on hand, it would have hurt a lot less, but that wasn't when I decided to make that decision. So, but even for us, we had to make that exchange in order to learn how to actually run a business so that we didn't do that again, so that we could build the business back up so that we could run it to where we want it to build it into.

Cause we didn't have that skillset and that skillset was holding us back from making more money, which allowed us to then hire more people, build more systems and gain time freedom back. And again, like I said, imagine yourself, you're 90 years old, you have a billion dollars and somebody says, Hey, I'll bring you back 20 years.

You can be 20, you can be, 70 years, you can be 20 again, but you got to give me that bill. You can give me that billion or do you want to die? I would think the vast majority of people are going to say, you know what, take my money. Make me 20 again. Let's live this ride one more time. Like, that's how much we value our time.

But early on, and I can tell you I did not value my time the way that I do now. And I don't know if it's because I'm older or what, but this is something I wish somebody would explain to me. Because I didn't understand it. I always just felt like I never had enough money. I always felt like I had scarcity around that.

And it stressed me the fuck out is what it did. Stressed me out so bad because I was always worried that there wasn't going to be enough, even when there was more than enough. And then for me to come to the realization that time was actually what was really valuable time was what was more important my ability to coach my kids basketball teams, my ability to, you know, drop them off at school, my ability to go and enjoy being around my friends and family and having the time to do that my ability to, you know, step away and actually go on a vacation and not just be tied up in the business the whole time.

That's so valuable. It's so valuable. But for so many of us, we just say, you know what, I'm going to do it all myself because I don't want to pay anybody. Like that's a cost, not an investment. It's a cost. It's going to cost me to hire somebody. It's going to cost me to, to be able to like put this technology into my business.

Like, no, I'm going to, I'm going to save every dollar that I possibly have. I'm gonna do everything myself and you're going to trade all your time for less. Money. And that's the, that's the shitty catch 22. Like if you don't understand that there's a relationship happening there and you're either on one side of the equation or you're on the other and most people, most people, sadly, here's what happens.

They work their whole life. They miss things that are very valuable to them. So important to them. And I see this with my own family. I see it with my own family on a daily basis because of jobs that they have. And, and it is what it is. It's where they're at right now, but they, they miss things in their life that I know are important to them.

I know that they'll not, they're not going to get those things back because they have to work at a job doing something that pays the bills and they don't view it as how do I? Change my skill set. How do I improve where I'm at through information that I can gain? They can put me in a place where I can then at least get to a point where I can say no to having to miss These things that are important these important holiday dates these important, you know events during the week Because of stringent schedules stringent work capacities that they have to fulfill on in order to pay their bills And that's what most people do and they work and they work and they work and they work and they save they put money Into a 401k and they hope that one day they're gonna have enough money to be able to Not work so hard and not have to miss so much and by that point They've missed so much, and then they can't get that back, no matter what they do.

They can try, you can try to make up for it, but you can't get these games back that you miss. You can't, you know, get these school events back that you miss. You can't get this time with your family at holidays back that you miss. They're gone. And usually by that point, they've come to the reality that, Shit, we've squandered this.

And we didn't even realize it and that's a sad reality for a lot of people and I hope that that doesn't happen to You hope you don't experience that. I hope you realize that there's a different path where you can invest in yourself You can invest in information and skills that allow you to then generate more money That then allows you to generate time freedom through leveraging people and leveraging Technology and systems to be able to create more time freedom for yourself.

That's the game. That's the game that I think most people wish they understood. And that's what businesses let us do. Frankly, businesses let us understand this at a high level and build these vehicles. For time and financial freedom out as well as don't forget help a lot of great people along the way We're not selling trinkets, you know, we're not we're not scamming people.

We're Legitimately helping people get over Activity or get over injuries and back to activities that they love with the people they love doing them with What the heck what a win win you're telling me I can build a business that creates time and financial freedom And I can really help people like in their daily life.

I don't have to be this, you know, evil movie character business owner that they always want to like portray us as it's like, no, you don't have to, you can be a service based business that literally helps people and still have success in these other variables. And it's great. It's fantastic. So I hope this makes sense.

Cause I'll wrap this up. I know this is like a little bit abstract, but I'm telling you if this, if there's one thing I could teach my freaking kids to understand, it would be this relationship between time and money. And I hope that they see it. And I'm sure they do to some degree right now, as best they can, where.

You know, my wife and I have a fantastic time freedom. We can be so involved with their life. We can do things with them that are just amazing. And, and they get to experience a lot of cool shit, but when they turn 18 years old and they're on their own, the reality is going to slap them in the face and they're going to be like, holy shit.

Life is not that easy. What's going on? Like jobs are hard. You know, I don't have a lot of money. This is, things are expensive. That's right. And they're going to learn those lessons, but I hope that they will realize, and I hope that they'll be able to conceptualize the game that I'm telling you right now.

And that is to stack the right skills. That is to build your ability to build up this finite resource that then you can trade or infinite resource in money to trade for finite resource, which is time. And get that back and then be able to experience the world in a very unique way that very few people will get a chance to do.

That's it. I hope they understand that. I hope that they, they can, they can learn that, you know, however long it takes them to figure it out. And I'll help them as much as I can, but I could have listened to this, you know, when I was 18 years old, I could have listened to it when I was 28 years old and I was getting in the army.

I wouldn't have freaking understood a thing that I was talking about. But. It would have at least planted a seed. It would have at least been like, Alright, here's a start of what you need to start thinking about. And I might have gotten there faster. I might have made fewer mistakes. I hope that would have been would have been the case.

And I hope that's the case for you. You know, because for, for me, this is something that I have now come to, you know, really this like clear understanding of just how important it is to understand what game you're playing, what race you're running. And for me, time freedom is so important. It's so important to be able to experience the world around me.

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