Austin Wentzlaff is a Minnesota native that currently lives Minneapolis, MN. He attended Gustavus Adolphus College obtaining a B.A. in Financial Economics. He currently works as a Business Analyst for OnApproach, LLC. A CUSO focused on giving credit unions the power to use data as a competitive advantage through the use of a revolutionary data warehouse. Austin believes that a portion of ones portfolio should be buy and hold and another portion should be short term speculations depending on their personal of risk.