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Speaker 1: Welcome to Fear and Greed Sunday feature. I'm Michael Thompson.

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Speaker 1: Every Wednesday we release a sister podcast called how Do

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Speaker 1: They Afford That. It is featuring me and financial planner

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Speaker 1: Canne Campbell, all about personal finance. It's about making your

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Speaker 1: money work harder for you, everything from household budgets, superannuation

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Speaker 1: to investing in property. In the episode that aired this week,

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Speaker 1: which is the one that I'm sharing with you today,

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Speaker 1: I ask Canna to give us three financial secret weapons,

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Speaker 1: the three things that she's seen during her career as

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Speaker 1: a financial planner that can have the biggest impact on

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Speaker 1: your financial future. Remember, this podcast is out every Wednesday.

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Speaker 1: You can follow the show separately through the show notes.

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Speaker 1: I hope you enjoy it. Welcome to How Do They

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Speaker 1: Afford That? The podcast that peaks into the financial lives

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Speaker 1: of everyday Australians. I'm Michael Thompson. I'm an author and

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Speaker 1: the co host of the podcast Fear and Greed business news.

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Speaker 1: As always, I'm with Cannon Campbell, financial planner and founder

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Speaker 1: of Sugar Mama TV, the financial literacy platform covering YouTube

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Speaker 1: and podcast, books, Instagram, threads, TikTok and more. Hello, Canna.

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Speaker 2: Hello.

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Speaker 1: Over the last few years of doing this podcast, you

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Speaker 1: have mentioned a bunch of things that can have a

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Speaker 1: really kind of significant impact on your financial freedom and

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Speaker 1: your financial future, things that probably haven't almost an outsized impact,

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Speaker 1: like it's bigger than you would expect, right on the

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Speaker 1: potential for you to have financial freedom into the future.

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Speaker 1: But in some cases they might be things that you overlook.

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Speaker 1: They might be things that you ignore, perhaps intentionally because

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Speaker 1: you think it might be too hard, or that you

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Speaker 1: don't realize just how important it could be and how

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Speaker 1: much of a difference it could make. So today that

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Speaker 1: was a big pause, wasn't it. I was building the

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Speaker 1: dramatic tension. I wanted to put together a list of

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Speaker 1: your top three financial secret weapons, the things that people

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Speaker 1: may not realize that just by making a few simple

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Speaker 1: changes you're going to actually have a massive, massive benefit

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Speaker 1: on your finances into the future. Are you up for that?

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Speaker 2: I am, because it sounds like a very efficient, effective discussion.

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Speaker 1: It will be, It certainly will be. Before we get

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Speaker 1: into the efficient and effective discussion, just need to mention

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Speaker 1: that everything we talk about is always general in nature.

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Speaker 1: They have a personal investment, strategical product advice purely for

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Speaker 1: financial education purposes only, and if you hear something that

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Speaker 1: you think, actually, maybe that works for me, then you

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Speaker 1: should seek some professional advice to get some advice that

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Speaker 1: is specifically relevant to you. Number One, compound interest. I

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Speaker 1: made that sound quite kind of dramatic. Dramatic, right, But

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Speaker 1: this is one thing that you have mentioned this so

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Speaker 1: many times in the past, just about the long term

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Speaker 1: effect that it can have.

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Speaker 2: What is it first, So, it's when your money is

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Speaker 2: working for you because you're earning interest upon interest, and

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Speaker 2: over time it can actually help you accumulate a large

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Speaker 2: amount of money where your money has built that money

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Speaker 2: for you rather than you having to always contribute.

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Speaker 1: So it's the power of time, isn't it. Yeah, it's

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Speaker 1: like that time really is one of the greatest assets

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Speaker 1: that you have, which is why it's so valuable to

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Speaker 1: get into it early because of this power of earning

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Speaker 1: interest on interest on interest on interest, and it just

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Speaker 1: keeps ongoing and you learn about like it is one

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Speaker 1: of the things that I remember in the ten learning

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Speaker 1: how to calculate compound interest. Are we mostly talking about

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Speaker 1: superannuation here?

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Speaker 2: No, it can be. No, Like super is just one

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Speaker 2: area of our life. So compounding interest applies to any

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Speaker 2: major long term investment, whether it be you know, super

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Speaker 2: online interest to high interest in savings account, a managed fund,

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Speaker 2: even dipit and paying shares. And if you do ten

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Speaker 2: thousand dollars at eight percent per annum net and you

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Speaker 2: lift it untouched in thirty years, that would be worth

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Speaker 2: just over one hundred thousand dollars. And that's without you

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Speaker 2: having to add a single cent.

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Speaker 1: That's without doing anything, just.

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Speaker 2: Letting it sit there untouched.

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Speaker 1: Yeah, because all of a sudden, after that first year

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Speaker 1: it ten thousand dollars is suddenly worth ten thousand, eight

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Speaker 1: hundred dollars correct, And then the following year it is

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Speaker 1: worth ten thousand, eight hundred plus a new eight percent,

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Speaker 1: and it just keeps on going. Did you could you

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Speaker 1: see the panic on my face?

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Speaker 2: Calculator?

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Speaker 1: I don't have my calculator that I was using in

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Speaker 1: year ten, and I am at risk. Here you were there,

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Speaker 1: you supported me, so thank you.

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Speaker 2: I've got your back.

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Speaker 1: That's the long term impact, isn't it? The fact that

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Speaker 1: and that, as you say, is if you are not

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Speaker 1: adding anything.

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Speaker 2: To it, you can do so much more when you

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Speaker 2: do regularly contribute, even if it's only a small amount.

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Speaker 1: Okay, so that's why it matters. That's the long term,

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Speaker 1: im right. The earlier you start, the better it is

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Speaker 1: going to be, right.

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Speaker 2: Correctcause you've got the benefit of time.

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Speaker 1: Is there a point of which it's too late?

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Speaker 2: It's never too late, ever, never, ever. So even if

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Speaker 2: you're starting in your forties and fifties, you can still

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Speaker 2: make a massive difference. And a great example is you know,

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Speaker 2: fifty year old investing five hundred dollars per month. Again,

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Speaker 2: it's a net return of eight percent per annum. You

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Speaker 2: can still build an extra one hundred and seventy five

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Speaker 2: thousand dollars within fifteen years.

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Speaker 1: Really, okay, can I just talk to you then about

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Speaker 1: how practically this would work? Is that that you could

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Speaker 1: talk to your financial advisor about it and just say, look,

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Speaker 1: this is I want to make sure that my superannuation

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Speaker 1: is going to be working for me, and that you're

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Speaker 1: making sure that you are adding to your super because

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Speaker 1: I know that you said this isn't just superannuation, but

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Speaker 1: in most cases a financial advisor isn't probably going to

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Speaker 1: tell you just to put it all into a bank account. Necessarily,

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Speaker 1: that's just earning interest they might say to hey, let's

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Speaker 1: look at how we can kind of maximize the power

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Speaker 1: of your superannuation and do some additional contributions that kind

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Speaker 1: of thing.

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Speaker 2: Right exactly, and also looking at well, you know what

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Speaker 2: strategies are available, like such as the co contribution scheme,

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Speaker 2: what that might also help to ensure that even more

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Speaker 2: money is going into whether it be your superinnuation for example.

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Speaker 1: And so using super as the as the example. And here,

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Speaker 1: so you've got this lump sum which is earning interest

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Speaker 1: on itself. You are then adding more to it every

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Speaker 1: single year, and so you are not just earning kind

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Speaker 1: of interest on that principal amount. You are then earning

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Speaker 1: it on the additional repayments or sorry, the additional payments

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Speaker 1: and edition contributions into it. And it's just getting bigger

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Speaker 1: and bigger.

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Speaker 2: Yes, you've got to make sure obviously it's invested in

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Speaker 2: alignment to your risk profile.

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Speaker 1: Do you think people overlook that? Do you think they're

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Speaker 1: just I remember about ten years ago, sitting down and

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Speaker 1: figuring out just doing a very basic calculation, going oh,

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Speaker 1: I really like watching my superannuation going up, and I think,

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Speaker 1: and these are my contributions I'm making If I was

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Speaker 1: to not make any additional contributions from now until the

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Speaker 1: until I retire. How much would that would that be worth?

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Speaker 1: And I just did it on a calculator. I took

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Speaker 1: the amount that was in my super at the time,

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Speaker 1: and I just took it as being I think it

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Speaker 1: was like say six percent or seven percent, and so

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Speaker 1: I just did times one point zero six and then

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Speaker 1: I was hit equals equals, equals, equals, equals equals, and

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Speaker 1: just each one of those was another year. And it

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Speaker 1: was the most fun I've ever had with a calculator,

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Speaker 1: just watching it go up and up and up and

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Speaker 1: up and up, and I'm like, that's compound interest right there.

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Speaker 2: It's so empowering, isn't it.

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Speaker 1: Yeah?

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Speaker 2: And that is why I call super sexy.

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Speaker 1: Have I ever sounded more dull than just then?

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Speaker 2: But can I take your dullness to a new level?

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Speaker 1: Please?

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Speaker 2: So if you'd really like to get amongst it, you

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Speaker 2: can jump on the sugar on my website, and I

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Speaker 2: have all these free calculators, including a superation calculator that

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Speaker 2: can show you what your superhuation could potentially be worth

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Speaker 2: if you do nothing, and if you do a super

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Speaker 2: contribution strategy like, sorry, sacrificing, you can actually see it grow.

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Speaker 2: But I have also, this is really important, got the

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Speaker 2: impact of inflation. So you can see what the actual

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Speaker 2: you know, say comes up with five million dollars, you'll

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Speaker 2: see what that five million dollars is the equivalent of today.

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Speaker 2: So it helps put things into perspective.

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Speaker 1: Okay, God, we are boring, aren't we? When you have

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Speaker 1: just said if you really want to get amongst it,

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Speaker 1: go and check out my calculators. And I actually thought,

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Speaker 1: oh that sounds all right.

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Speaker 2: And it's free. Anyone can access it.

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Speaker 1: Music to my ears. Okay, that's compound interest. That's number

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Speaker 1: one your first financial secret weapon. One of three. We

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Speaker 1: have two more to go. Number two mortgage repayments. So

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Speaker 1: this one right with interest rates obviously can go up,

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Speaker 1: they can go down and with it go your mortgage

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Speaker 1: repayments alongside that. Just how important is it? And I

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Speaker 1: know the answer to this, but I'm going to ask

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Speaker 1: you anyway, just how important is that if you can

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Speaker 1: to keep your mortgage repayments the same when interest rates

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Speaker 1: go down, it.

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Speaker 2: Is incredibly important. It means that your mortgage is being

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Speaker 2: paid off faster, which could potentially save you tens of

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Speaker 2: thousands of dollars in interest over time, but it could

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Speaker 2: actually help build almost like a safety buffer for future

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Speaker 2: rate hikes. So yeah, rate hikes. So again, there are

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Speaker 2: free kkllers on sugar on my website. You can actually see

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Speaker 2: exactly how much time and money you'll save. And when

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Speaker 2: I say tens of thousands of dollars, I'm being serious.

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Speaker 2: In fact, it could actually be over one hundred thousand

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Speaker 2: dollars in interest. But here's a little little catch with

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Speaker 2: interest rate cuts. Not all banks necessarily automatically reduce your repayments.

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Speaker 2: Some do, some don't. So some people will find that

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Speaker 2: with interest rate cuts their mortgage, your payments have naturally

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Speaker 2: gone down, But not all banks do that for you,

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Speaker 2: so sometimes you need to go and manually increase it

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Speaker 2: back up to what you were previously paying. If you're

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Speaker 2: someone who wants to try and keep maintain their mortgage

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Speaker 2: real payment.

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Speaker 1: That was going to be my next question for you,

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Speaker 1: kind of whether banks or your lender, whether they make

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Speaker 1: it easy to do this. And I know that with

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Speaker 1: my bank that I have my homelan with, I receive

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Speaker 1: a notification saying, look, interest rates have gone down, we

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Speaker 1: have reduced the minimum weekly payment that you need to

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Speaker 1: be making. However, we will leave your repayment at the

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Speaker 1: same amount that you are currently paying unless you otherwise

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Speaker 1: tell us. And that's perfect, that's great because it just

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Speaker 1: kind of pushes you, by default, into a better financial

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Speaker 1: situation further down the track.

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Speaker 2: It's so interesting to say it because I feel like

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Speaker 2: for a lot of people, they if they're not aware

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Speaker 2: of this, they run into the lifestyle creep where their

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Speaker 2: mortgage repayments come down and now they've got sain extra,

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Speaker 2: you know, one hundred dollars per month to spend, and

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Speaker 2: not knowing that the bank have dropped it automatically, they

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Speaker 2: then spend that one hundred dollars per month when really,

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Speaker 2: if they could afford to maintain it, that would be

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Speaker 2: so much better for them financially over the long run

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Speaker 2: because they could be saving serious time and money.

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Speaker 1: Yeah, and the time part of that is interesting because

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Speaker 1: it is not just the fact that you could save

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Speaker 1: tens of thousands of dollars. You can be mortgage free

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Speaker 1: a few years earlier, oh.

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Speaker 2: Like you know, four years so on a five hundred

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Speaker 2: thousand dollars mortgage at six percent, if you can keep

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Speaker 2: your repayments that the same after a one percent interest

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Speaker 2: rate cut, you could save over seventy thousand dollars in

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Speaker 2: interest and reduce your loan term from thirty years to

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Speaker 2: twenty six years. Imagine being mortgage free four years earlier

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Speaker 2: in life.

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Speaker 1: That is that's actually four years of financial freedom.

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Speaker 2: Yeah, that's money that you can use to invest, you

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Speaker 2: can use to have an earlier retire four years earlier,

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Speaker 2: even like it gives you so many more choices, which

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Speaker 2: is really what financial freedom is really about, time and choice.

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Speaker 1: Okay, as a financial secret weapon. Do you think that

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Speaker 1: that again, not enough people know about the power of this,

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Speaker 1: that theyre just this little change, because we are talking

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Speaker 1: today about little things that you can do, little changes

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Speaker 1: that you can make that just by keeping your repayments

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Speaker 1: up when rates are cut if you can afford to

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Speaker 1: do so, and even then further, if you can afford

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Speaker 1: to do pay a little bit more off on top

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Speaker 1: of that. Just the massive, massive effect that has long term.

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Speaker 2: Absolutely, and this is the power of almost reverse compounding interest.

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Speaker 2: So the biggest and best impact you can make in

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Speaker 2: saving the most amount of time and money with the

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Speaker 2: smallest amount of money is actually in the first couple

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Speaker 2: of years of taking out your home loan, so you

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Speaker 2: want to jump on this and see what you can

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Speaker 2: do sooner rather than later. But again, there are free

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Speaker 2: calculators everywhere to show you this, and again you'rer Mama

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Speaker 2: website has these there for you. You can plug in

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Speaker 2: all your information your loan, the interest rate you're paying,

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Speaker 2: how far into your home loan, and what you can

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Speaker 2: You can play around with the variables and go, well,

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Speaker 2: what if I put an extra twenty dollars per month

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Speaker 2: or an extra two hundred dollars per month?

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Speaker 1: You will be.

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Speaker 2: Blown away and it is a great source of motivation.

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Speaker 1: And paying a little bit extra doesn't mean that the

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Speaker 1: money is actually kind of lost to you as well,

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Speaker 1: because of the power of redraw facilities and offset accounts

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Speaker 1: as well, depending on your arrangement that you have with

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Speaker 1: your bank.

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Speaker 2: Yes, so more would you? I get asked this question

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Speaker 2: all the time. The difference between the two they have

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Speaker 2: the same effect. So a redraw facility is money that

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Speaker 2: you put on your home loan, but if you need to,

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Speaker 2: you can take it back out. So say I have

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Speaker 2: a five hundred thousand dollars home loan, I make extra

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Speaker 2: payments builds up in there and they say twenty five thousand. There,

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Speaker 2: I'm only being charged on the interest on four hundred

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Speaker 2: and seventy five thousand instead of five hundred because it's

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Speaker 2: in the redraw facility, and if I need to access it,

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Speaker 2: it's the redraal facility to switched on, I can get

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Speaker 2: it back out. And this is why I say to

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Speaker 2: people who have your emergency money sitting in a REDRA

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Speaker 2: or an offset account rather than a separate online savings account,

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Speaker 2: an offset account works in the same way, so financially

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Speaker 2: they're not any better than each other, just different people,

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Speaker 2: different needs. So if I have twenty five thousand dollars

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Speaker 2: sitting in an offset account such as my emergency money,

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Speaker 2: and I have a five hundred thousand dollar homeland, same principle,

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Speaker 2: I'm being charged interest on four hundred and seventy five

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Speaker 2: thousand rather than five hundred thousand. And again, you can

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Speaker 2: find offset and readoor facility calculators online which will show

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Speaker 2: you exactly how much you can really save.

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Speaker 1: Okay, that is two financial secret weapons compounding interest mortgage repayments.

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Speaker 1: We have a great one coming up as number three,

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Speaker 1: but I'm not going to tell you what it is.

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Speaker 1: Yet we're going to take a very quick break and

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Speaker 1: come back with the third financial secret weapon. Putting together

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Speaker 1: a list today of three financial secret weapons. These are

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Speaker 1: things that so far they've been things that you can

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Speaker 1: just make small changes and it will have a massive

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Speaker 1: effect on your financial future and financial freedom. Number three

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Speaker 1: on the list is one that you have talked about

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Speaker 1: quite a bit, but it feels as though not enough

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Speaker 1: people know about the potential here for passive income. Take

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Speaker 1: us through it.

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Speaker 2: So I like to call passive income money that you

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Speaker 2: earn whilst you sleep at night. It is not about

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Speaker 2: making complicated investment decisions, trading online, jumping in and out

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Speaker 2: of stocks.

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Speaker 1: It is not about.

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Speaker 2: Selling a program or tupperware. It is not about you know,

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Speaker 2: having to pitch something. It literally is you could go

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Speaker 2: to sleep for a year and wake up and your

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Speaker 2: money is working for you. Examples of passive income are

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Speaker 2: earning rent off an investment property, earning dividends from shares,

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Speaker 2: which is my favorite source of passive income, even earning

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Speaker 2: interest from bonds or savings accounts. You haven't physically done

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Speaker 2: anything to earn that money. It is your money working

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Speaker 2: for you, even have to go to work, put on

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Speaker 2: a suit, it's in front of a computer screen, touch something,

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Speaker 2: sell something. It's the key to financial freedom. The more

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Speaker 2: passive income I have, the better our financial wellbeing.

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Speaker 1: Really is, Do you need to talk to a financial

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Speaker 1: planner about this? Feels like the basis of a conversation

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Speaker 1: that when you sit down with a financial planner for

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Speaker 1: the first time and you're going through your goals, that

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Speaker 1: perhaps not enough people are actually putting this down as

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Speaker 1: one of their goals, that Hey, I would love to

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Speaker 1: have passive income. I would love to be earning money

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Speaker 1: while I sleep.

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Speaker 2: I have done other podcasts on Sugar Mum's Fireplay about

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Speaker 2: this and when people will get stuck as to what

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Speaker 2: can they have as a financial goal. Well, obviously your

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Speaker 2: goal should excite you and empower you. But a great

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Speaker 2: goal everyone should have is a goal for passive income.

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Speaker 2: And ideally you want to build up enough passive income

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Speaker 2: that covers your living expenses so you don't work by force,

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Speaker 2: you work by choice.

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Speaker 1: Where does it come from? Passive income almost feels like

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Speaker 1: the end result here that you've got to build up

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Speaker 1: to it through some smart decisions early on, whether it

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Speaker 1: is about buying an investment property or whether it is

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Speaker 1: about building an investment portfolio shares that are paying dividends

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Speaker 1: and that you're able to earn money off those. It

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Speaker 1: kind of feels like it's the end result rather than

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Speaker 1: the way to get to it. How do you get

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Speaker 1: to it? That's probably two big a question to answer

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Speaker 1: in one episode. But how do you get there? What's

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Speaker 1: the kind of where does this money come from? To

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Speaker 1: build this?

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Speaker 2: Well, there are lots of different strategies. And look, you know,

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Speaker 2: for people who don't have the ability to start necessarily

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Speaker 2: invest today, what I would recommend they do is turn

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Speaker 2: their attention to their superinneration because that is essentially an

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Speaker 2: investment portfolio is just locked away. That is the passive

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Speaker 2: income that's going to fund your retirement. So make sure

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Speaker 2: it's invested correctly, make sure it's invested to your risk profile.

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Speaker 2: You've got some goals behind it, and you understand how

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Speaker 2: it works, the nuts and bolts and what you need

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Speaker 2: to do to help it grow. And you know, superannuation

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Speaker 2: is just one facet of financial freedom. You know, when

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Speaker 2: you're in a stage in your life where you can

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Speaker 2: look at investing, it is a great idea to sort

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Speaker 2: of have two strategies going in place, but again speak

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Speaker 2: to a financial planner because one may be more efficient

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Speaker 2: than the other depending on where you are in your

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Speaker 2: life cycle and cash flow and so forth.

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Speaker 1: Do you see people that are and you have worked

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Speaker 1: with a lot of clients over a long period of time,

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Speaker 1: do you see people where they get to a point

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Speaker 1: where they are able to live off passive income? Absolutely,

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Speaker 1: because that to me feels like an incredible goal.

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Speaker 2: Yes, and it is. I can't tell you what it's

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Speaker 2: like to see it and be part of that journey

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Speaker 2: and what should get to that point where clients couldn't

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Speaker 2: even spend all the income that they were earning, and

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Speaker 2: so their wealth just continued and continues today to keep

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Speaker 2: growing because they just they can't possibly spend all the

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Speaker 2: income that they've built over time through sticking to a strategy,

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Speaker 2: getting advice, following advice, listening to advice, applying it, and

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Speaker 2: not getting caught in market fluctuations and emotional knee jerk

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Speaker 2: reactions decisions. They've let it do its things, you know,

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Speaker 2: let compound and interests work for them, and those people

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Speaker 2: look so much happier and you know, enjoying incredible lifestyles now.

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Speaker 1: It's worth probably pointing out that all of those components

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Speaker 1: that you mentioned, kind of investment properties and building share

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Speaker 1: portfolios and things, we've done separate episodes on all of those.

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Speaker 1: So if you go back through the back catalog of

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Speaker 1: episodes of How Today Afford that you will find kind

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Speaker 1: of guides to each of those elements. But you kind

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Speaker 1: of put it together and the pretend of having passive

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Speaker 1: income earning money while they sleep, and that one day

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Speaker 1: that could even be enough to be your primary source

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Speaker 1: of income.

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Speaker 2: Wow, but also can be a legacy as well.

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Speaker 1: True.

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Speaker 2: You know, if you're safe for similicity, you have an

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Speaker 2: investment portfolio pays you one hundred thousand dollars a year

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Speaker 2: and you only need eighty to live off. You know,

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Speaker 2: there's it's obviously a surplus that can continue to grow.

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Speaker 2: But also when you pass on, you might want to

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Speaker 2: donate that to a charity, and that gives a charity

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Speaker 2: one hundred thousand dollars a year.

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Speaker 1: And that can continue to be the case rather than

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Speaker 1: just donating a sum of money that you are actually

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Speaker 1: helping to set them up as well.

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Speaker 2: Exactly so, and I'm going to completely contradict myself, you

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Speaker 2: can skip the passive income story if you want. I

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Speaker 2: don't recommend it, but you know, I need to obviously

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Speaker 2: be completely open about other options because passive income doesn't

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Speaker 2: appeal to some people. You know, there is a component

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Speaker 2: of the Fire community that's very much built focused on

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Speaker 2: building up a lump sum and in drawing it down

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Speaker 2: over a period of years.

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Speaker 1: So fire is financial independence retire really.

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Speaker 2: So I've seen strategies with people who've saved and built up,

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Speaker 2: say an investment portfolio, not sorry, a lot someone about

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Speaker 2: of money, say a million dollars, and they just draw

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Speaker 2: fifty thousand dollars a year to live off. Now that

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Speaker 2: is not passive income. They're eating into the capital. The

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Speaker 2: concerns and the dangers with this is with inflation over

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Speaker 2: a ten twenty year period, can see that million dollars

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Speaker 2: erode away very very quickly, and then what do you

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Speaker 2: do when that money runs out? You're back to square

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Speaker 2: one again. If you can have even a small component

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Speaker 2: of passive income, and yes, that million dollars might be

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Speaker 2: earning some interest, that will help slow it down and

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Speaker 2: give you more longevity with that financial independence.

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Speaker 1: I reckon we have got some great ones today. That

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Speaker 1: is three financial secret weapons that is terrific. Number one

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Speaker 1: compound interest. Number two mortgage payments and the power of

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Speaker 1: keeping your repayments up and perhaps paying off a little

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Speaker 1: bit more and passive income that is terrific. Are you

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Speaker 1: Are you satisfied that these are financial secret weapons that

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Speaker 1: not enough people know about? But maybe after today a

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Speaker 1: few more people will yes.

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Speaker 2: And to make this even more powerful, please invest time

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Speaker 2: jumping online looking at visual calculators so you can see

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Speaker 2: the numbers for yourself. You can look at your situation,

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Speaker 2: what is capable within your budget and your financial responsibilities,

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Speaker 2: and see what you can actually do for yourself, and

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Speaker 2: you get you most gamified because you're like, oh, I

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Speaker 2: wonder if I could squeeze extra twenty dollars per month

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Speaker 2: in my budget to put that towards my mortgage. Seeing

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Speaker 2: what those numbers do, it is the perfect source of

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00:22:45,680 --> 00:22:47,840
Speaker 2: motivation inspiration to try and make that happen.

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Speaker 1: Yeah, I'll just go back to me playing with my

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00:22:49,920 --> 00:22:53,280
Speaker 1: calculator and figuring out my superannuation. Just equals equals, equals

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00:22:53,320 --> 00:22:56,879
Speaker 1: equals equals. It was so satisfying watching those numbers go up.

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Speaker 2: Well, go and have a look at play around with

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00:22:58,520 --> 00:23:00,560
Speaker 2: the Sugar momar website because you you can actually see

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00:23:00,560 --> 00:23:02,359
Speaker 2: it in a visual way with lots of pretty colors.

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00:23:02,440 --> 00:23:04,240
Speaker 1: Yeah, but you don't get to hit the equals button.

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Speaker 1: It's physically just whack whack whack. Anyway, that was a

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00:23:09,040 --> 00:23:11,080
Speaker 1: weird way to finish up. Can if we need more

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00:23:11,080 --> 00:23:13,960
Speaker 1: information from you, where do we find you?

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00:23:14,440 --> 00:23:16,159
Speaker 2: The best place to get in contact with me with

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00:23:16,200 --> 00:23:19,640
Speaker 2: any of your questions is through Sugar Mama TV on Instagram.

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00:23:19,760 --> 00:23:21,880
Speaker 1: And remember you can hear me every day with Sean

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00:23:21,960 --> 00:23:24,480
Speaker 1: Aylmer on Fear and Greed daily business news for people

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00:23:24,480 --> 00:23:26,520
Speaker 1: who make their own decisions. Thank you for listening to

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00:23:26,560 --> 00:23:29,040
Speaker 1: How Today for that. Remember to hit follow on the podcast,

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00:23:29,520 --> 00:23:31,200
Speaker 1: and the best thing you can do is tell somebody

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00:23:31,240 --> 00:23:34,359
Speaker 1: else or perhaps send them this episode and spread the

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00:23:34,400 --> 00:23:36,679
Speaker 1: word about How Today for that. Thank you for your company.

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00:23:36,760 --> 00:23:37,800
Speaker 1: Join us again next week.