Speaker 1: Welcome to How Do They Afford That? The podcast that
Speaker 1: peeks into the financial lives of everyday Australians. I'm Michael Thompson.
Speaker 1: I'm an author and the co host of the business
Speaker 1: news podcast Fear and Breed. As always, I'm with Canna Campbell,
Speaker 1: financial planner, founder of Sugar Maumber TV, the financial literacy
Speaker 1: platform covering YouTube podcasts, Instagram threads, TikTok and of course,
Speaker 1: by co author on our upcoming book Twelve Months to
Speaker 1: Financial Freedom, available for pre order now. Hello, Canna, how
Speaker 1: are you apprehensive? Why? Because this is one that looks
Speaker 1: to the future. Today's episode, we're basically we're looking ahead.
Speaker 1: We're looking specifically five years ahead. Yes, right, we're gazing
Speaker 1: into the financial crystal ball if such a thing exists,
Speaker 1: and asking three questions. Right, if nothing changed in your
Speaker 1: circumstances and in the way that you and your money
Speaker 1: and all of those kind of things, where would you
Speaker 1: be if you made small changes to your money, where
Speaker 1: would you be? And then if you made some big changes,
Speaker 1: some big overhauls, some big moves, where would you be
Speaker 1: in five years? What would your money look like? What
Speaker 1: would your lifestyle look like? What would how much better
Speaker 1: without without meaning to kind of cast a judgment on
Speaker 1: this prematurely. How much better would your life be if
Speaker 1: you took control of your money now and did something.
Speaker 1: Let us jump straight into it, if you did nothing
Speaker 1: right in five years, where would you expect to be
Speaker 1: My default kind of assumption on this would be to
Speaker 1: say that you'd be in the same position as you
Speaker 1: are right now. But could you actually go backwards because
Speaker 1: of inflation and everything?
Speaker 2: Well, assuming nothing's changing, and that's because you're doing nothing
Speaker 2: and you're continuing to bury your head in the sand,
Speaker 2: You're quite right, you know you could be going backwards.
Speaker 2: You know, you look at inflation, think about the cost
Speaker 2: of living. It's the rising cost of living, thinking about
Speaker 2: the lifestyle creep, and also all of those missed opportunities.
Speaker 2: So even if your income stays the same, your money
Speaker 2: still buys less. So you could very easily be going backwards,
Speaker 2: and a lot of people are experiencing that right now.
Speaker 1: To be honest, I'm so scared to ask you this
Speaker 1: because the I'm worried that it will actually cause you
Speaker 1: to have a medical episode. But doesn't you super kind
Speaker 1: of just help you out a little bit here, because
Speaker 1: you don't need to do anything. It's just sitting there
Speaker 1: in the background. You don't need to do anything. You
Speaker 1: will be in a better off position in five years
Speaker 1: even without any action.
Speaker 2: I am very proud of your positive attitude about supernation,
Speaker 2: so I'd like to acknowledge that. But as I have
Speaker 2: said in the past, superneration is not going to necessarily
Speaker 2: completely fix all of your financial problems. It may not
Speaker 2: be enough. You've also got to remember you can't access
Speaker 2: your superannuation until you've met a condition of release, which,
Speaker 2: depending on how old you are right now, you're not
Speaker 2: going to be able to access You're super for least
Speaker 2: probably twenty years or so. Yepkay, current legislation which could
Speaker 2: change you took that very well, Yes, thank you, broadly
Speaker 2: sensitive to your sensitivities.
Speaker 1: Excellent. We're becoming very nice to each other on this show.
Speaker 2: Give it a minute, we'll be back to the old race.
Speaker 1: Indeed, I think that the point of bringing that up
Speaker 1: right is that, Okay, your superannuation will hopefully if market
Speaker 1: conditions are okay, then you'll continue to grow in the background.
Speaker 1: But the whole point of this is that really, if
Speaker 1: you get involved and you start making some changes, and
Speaker 1: you start doing some things, then your position in five
Speaker 1: years time could be a whole lot better, which leads
Speaker 1: us into small changes. All right, So we've established a
Speaker 1: baseline position of if you do nothing to your money
Speaker 1: right now.
Speaker 2: You're doing I think some people doing the same could
Speaker 2: actually still be working really hard and being responsible.
Speaker 1: Yeah indeed. But okay, so without being kind of proactive
Speaker 1: and making some changes to your money, you could either
Speaker 1: be in the same position that you are now or
Speaker 1: slightly worse off.
Speaker 2: Yeah, okay, and you'll be feeling crappier inside as well.
Speaker 1: Okay, right, small changes. Then I would like you to
Speaker 1: give me, say, five small changes that you could make
Speaker 1: now yep, to your money that would make a difference
Speaker 1: to your financial position in five years all right.
Speaker 2: So Number one would be setting up a regular savings
Speaker 2: plan through automation, you know, fifty dollars a week, one
Speaker 2: hundred dollars people, whatever, you can start, whatever you can safely.
Speaker 1: Afford right now, just start automated.
Speaker 2: Automated yep to take out that friction, remove it, and
Speaker 2: of course that builds momentum and you know, helps create
Speaker 2: some really healthy financial habits, the discipline not to spend.
Speaker 1: It it's even fifty bucks a week, right, is two
Speaker 1: and a half thousand dollars across the year, which is
Speaker 1: I mean.
Speaker 2: Four years, there's ten thousand dollars. There's a lot of
Speaker 2: money plus plus interesting.
Speaker 1: Yeah, like that is solid and five that's twelve and
Speaker 1: a half grand over five years that you did not
Speaker 1: have unless you start this now.
Speaker 2: And you could even make that an investment plan. If
Speaker 2: you don't want to do savings, then potentially depending on
Speaker 2: where you invest, the upside is even bigger.
Speaker 1: Okay, that's number one regular savings.
Speaker 2: Then number two would be reviewing and reducing your budget,
Speaker 2: So looking at your subscriptions, maybe starting to have a
Speaker 2: bit of a budget as to how much money you
Speaker 2: spend at the supermarket. Reviewing your insurance is what you
Speaker 2: can potentially switch to to save money in looking at
Speaker 2: all those leaks in the bucket that where money is
Speaker 2: being wasted that can actually be redirected to something like
Speaker 2: a simple financial goal.
Speaker 1: Okay, all right, and that is a small change, really,
Speaker 1: isn't it, Because we're not talking about a major overhaul.
Speaker 1: It's just going, okay, do I need four streaming platforms?
Speaker 1: Maybe I can get rid of one and then saving
Speaker 1: yourself twenty bucks a month maybe exactly. Okay, next building
Speaker 1: up an emergency fund.
Speaker 2: Okay, so I can't remember that off the top of
Speaker 2: my head, and my apologies for this, but it's something
Speaker 2: like forty percent of Australians can come up with two
Speaker 2: thousand dollars in the event of emergency without having to
Speaker 2: use a credit card or borrow money from the bank
Speaker 2: or a person. So just having emergency money ideally north
Speaker 2: of two thousand dollars. But obviously it reduces that emotional
Speaker 2: stress and anxiety. But it also means that you're not
Speaker 2: going to be creating new debt in your life. And
Speaker 2: we've spoken about this before. When you have toxic debt
Speaker 2: like you know, outstanding by an outplay later or and
Speaker 2: credit card debt, it can be really impact your mindset
Speaker 2: and attitude and quite often trigger more and more spending
Speaker 2: because you think, oh, well it's two thousand dollars, I
Speaker 2: may as well make it three thousand dollars. You can
Speaker 2: almost cut up with excuses to get deeper and deeper
Speaker 2: into debt. So, you know, having emergency money so that
Speaker 2: you if something happens, you feel financially resilient because you go, wow, Okay,
Speaker 2: I need new tires. Okay, few, I've got fifteen hundred dollars.
Speaker 2: What's super very expensive tires. I've got eight hundred dollars
Speaker 2: saved in my savings. A hound I can fix up
Speaker 2: and get you into the new tires and get back
Speaker 2: on the road again. You know, it doesn't impact your
Speaker 2: life beyond the actual problem.
Speaker 1: Okay, And so that one was kind of linked to
Speaker 1: the first one. Isn't it that you would potentially do
Speaker 1: it through a regular savings.
Speaker 2: Absolutely separate savings account nicknamed just start, and even if
Speaker 2: it starts with one dollar, like it begins and it's nicknames.
Speaker 2: So every time you log into your internet making you
Speaker 2: are reminded as to what that is you are working
Speaker 2: on and why.
Speaker 1: It just gives you so much peace of mind.
Speaker 2: Huge like like I mean, I had to rebuild our
Speaker 2: family savings, Tom and I together from scratch, and it
Speaker 2: was like getting started again. It is actually really the
Speaker 2: breakthrough of stress going Okay, yes it's annoying, but we
Speaker 2: have to do this, and it's it's a sign of
Speaker 2: responsibility and financial maturity as well.
Speaker 1: I had to drain how we had to. It was
Speaker 1: a joint decision to drain our emergency money a while back,
Speaker 1: and then after that it just sat there just for
Speaker 1: a few weeks with the grand total of six dollars
Speaker 1: in it, And every time I logged in, I'm like.
Speaker 2: Oh, no, I know.
Speaker 1: But you start. You just start somewhere, and you exactly
Speaker 1: and you set.
Speaker 2: Some goals, lots of mini goals, like like going, okay,
Speaker 2: all right, let's try and get to one thousand dollars
Speaker 2: by the thirtieth of July. You know, set little mini goals,
Speaker 2: challenge yourself thinks outside square, but it's you gamified as well,
Speaker 2: and you check in with each other and talk about
Speaker 2: it and remind yourself as to what that represents.
Speaker 1: Yeah, okay, that's number three, number four on this list
Speaker 1: of small changes that will change your financial position in
Speaker 1: five years time.
Speaker 2: Just a little extra contributions to your superannuation. Just a
Speaker 2: little bit here and there, little tinkle here and there, tinkles. No,
Speaker 2: that's the wrong word.
Speaker 1: I don't know. Then we want to be tinkling into
Speaker 1: our super a.
Speaker 2: Little tinkle of cash, like you know, just peppering it. No,
Speaker 2: that's okay, all right, small additional contributions, how about that.
Speaker 2: We'll just stick to the financial jargon here.
Speaker 1: I'm just not going to say anything. I just love
Speaker 1: seeing you try and scramble your way out of this. Now, okay,
Speaker 1: small additional.
Speaker 2: Contributions, So even if it's, for example, salary sacrificing twenty
Speaker 2: dollars per week, yep, you know that's next on thousand
Speaker 2: dollars into your Super. And you might you know, qualify
Speaker 2: for the government's co contribution scheme as well, so you
Speaker 2: don't need to get to the end of the financial
Speaker 2: year panic and think, oh, I haven't done this yet,
Speaker 2: I'm missing my opportunity. But when you've automated it and
Speaker 2: set it up, you've done it. It's out of you know,
Speaker 2: it's a box ticked and you can feel really good
Speaker 2: about yourself.
Speaker 1: And that thousand dollars a year given maybe I don't
Speaker 1: know how long, maybe thirty years in super that is phenomenal.
Speaker 2: And remember your superinnuation is an investment portfolio that is
Speaker 2: secured away for your long term benefits, so you know
Speaker 2: you can afford to safely put in. Keep me in
Speaker 2: mind that you can't get it back out until you
Speaker 2: made a condition of release. You are you know, giving
Speaker 2: yourself a much better opportunity to have a healthier, stronger,
Speaker 2: more resilient financial future.
Speaker 1: Number five on this list of small changes.
Speaker 2: Educate yourself, you know, just immerse yourself around obviously podcasts
Speaker 2: and books, but also the people, you know, the people
Speaker 2: that inspire you, empower you, you know, make you actually
Speaker 2: feel incredibly curious, and give you the practical steps that'd
Speaker 2: be like our book as to how to actually apply
Speaker 2: these principles and ideas and topics in your real life.
Speaker 2: Like you know, become a bit of an expert on
Speaker 2: your own personal finances and understanding, you know, even the
Speaker 2: education of yourself as in what's important to you, what
Speaker 2: makes you tick, where your value system lies, so that
Speaker 2: you can build up goals that actually really do mean
Speaker 2: something and actually connect you and ignite something within you.
Speaker 2: So you want to go fix your finances? Do you
Speaker 2: want to improve your financial wellbeing?
Speaker 1: They are five great small changes, thank you, that could
Speaker 1: actually have massive impact on your money. In five years time.
Speaker 1: We're going to take a quick break and on the
Speaker 1: other side we are going to do the big changes.
Speaker 1: So we've done no change, We've done small changes. Now
Speaker 1: big changes. Back in a second. Can we are talking
Speaker 1: today about the five year test where you and your
Speaker 1: money will be if you make no change, if you
Speaker 1: make a series of small changes, or if you do
Speaker 1: some big, chunky, meaty changes that could have a massive
Speaker 1: effect on where you're at with your money in five years.
Speaker 1: Of course, these are general information only, and you should
Speaker 1: seek professional.
Speaker 2: Definitely, not treated product or investment advices or whatsoever. We're
Speaker 2: just giving you ideas of things to think about it
Speaker 2: and go and learn more about it, and of course
Speaker 2: go and see a financial planner and get personal advice
Speaker 2: so you can set it up correctly for you.
Speaker 1: Yeah, well said, all right, give us the first one.
Speaker 2: All right, investing, but investing with a bit more.
Speaker 1: Grunt investing with grunt Okay, we've tinkled into our superstment.
Speaker 2: And like you know, dabbled in a bit of maybe
Speaker 2: micro investing regular savings plans. But let's up the ante.
Speaker 2: Let's look at investing properly. Let's look at using those
Speaker 2: savings accounts. If we're lucky enough to have money set
Speaker 2: aside for savings that doesn't actually have a job, no
Speaker 2: need or purpose for the next ten years, it's money
Speaker 2: sitting aside that you know that you should be doing
Speaker 2: something with. Perhaps now is the time to get that
Speaker 2: money working for you. That doesn't necessarily mean you drain
Speaker 2: the whole entire savings account and go and invest the
Speaker 2: whole amount, but you start using that money, or perhaps
Speaker 2: you are in a situation where you can safely afford
Speaker 2: and you understand the risks and how to manage them.
Speaker 2: A debt recycling strategy where you start, you know, using
Speaker 2: the equity within your home just to invest and invest elsewhere,
Speaker 2: so that you don't just wake up one day and go, great,
Speaker 2: I own my own home and that's it. But you
Speaker 2: wake up one day go I own my own home,
Speaker 2: and I also own a six seven figure diversified share
Speaker 2: portfolio or a string of investment properties because you've used
Speaker 2: the equity. Is about really upping the ante and getting
Speaker 2: a lot more serious and committed to the change in
Speaker 2: improvements you can make by being strategic, proactive and savvy.
Speaker 2: But of of course it's an education in.
Speaker 1: One way, and I like that because it's scalable as well.
Speaker 1: Depending on how much money you have spare, how much
Speaker 1: you're earning, how much you want to commit to this,
Speaker 1: you can make this as big or as small as
Speaker 1: you like.
Speaker 2: And that's where a financial planner comes in because they'll say, Okay,
Speaker 2: you've got this much equity, you've got this much in
Speaker 2: the savings, we're going to move this through that blah
Speaker 2: blah blah, and there you're on your way.
Speaker 1: Okay, the second big change, So this is it, Like.
Speaker 2: I say, I'm going to share this anyway, but I
Speaker 2: am completely aware and sensitive to obviously how things are
Speaker 2: expensive right now, and this is obviously not going to
Speaker 2: sincerely go to be available for a lot of people,
Speaker 2: including myself. But that is aggressively paying down debt, you know,
Speaker 2: looking at the budget, looking at some cuts you can make,
Speaker 2: looking at the potential sacrifices, obviously that don't jeopardize your
Speaker 2: well being of course or your family's well being, but
Speaker 2: starting to really look at where your money is going
Speaker 2: and what you can actually do to get ahead financially,
Speaker 2: Like a mortgage. You know, if you look at the
Speaker 2: numbers behind a mortgage, the biggest and best impact you
Speaker 2: could have in saving a huge amount of time and
Speaker 2: interest is actually in the first five years of a
Speaker 2: home loan. So if you can be a little bit
Speaker 2: more aggressive initially, that can really pay off and make
Speaker 2: a profound impact on how much sooner you'll be mortgage free.
Speaker 1: Wow. And so that aggressively paying down debt. It may
Speaker 1: not be the mortgage, it might be other, but also be.
Speaker 2: Of course things like car loans, personal loans, credit card
Speaker 2: debt by now pay later. But we're talking about upping
Speaker 2: the antiheroes, like we're re turning the volume off here.
Speaker 1: Okay, I like that. All right, that's number two. So
Speaker 1: we've got invested properly and then aggressively paying down debt
Speaker 1: and of course the home loan. That could have a
Speaker 1: massive effect, not just in five years time, but chances
Speaker 1: are you actually see the greater impact in twenty years
Speaker 1: time when all of a sudden your mortgage free instead
Speaker 1: of kind of thirty years.
Speaker 2: And the cool thing about this is you can start
Speaker 2: to actually see the turning point of go. When you
Speaker 2: log into your internet banking, you see your mortgage, how
Speaker 2: an interest you've paid, and go, wow, already the impact
Speaker 2: of this was already saved me eighty dollars per month
Speaker 2: in interest. Because I'm making more aggressive repayments, I'm watching
Speaker 2: the principle come down, so the interest therefore produces as well.
Speaker 1: Yeah, ripper, Okay, number three, Okay.
Speaker 2: This is I guess comes back to the heart of
Speaker 2: making things actually happen, and that is obviously having the
Speaker 2: income to actually increase the mortgage repayments or to start investing.
Speaker 2: So asking for a pay rise or perhaps looking at
Speaker 2: you know, seek and just going, hey, well, perhaps I
Speaker 2: need to look at changing jobs. You know, we all
Speaker 2: know that the best pay rise has come quite often
Speaker 2: from changing to do different organizations. So it may be
Speaker 2: a point of going, all right, I've been the same
Speaker 2: company that I think I've hit my earning capacity that ceiling.
Speaker 2: Perhaps I think I need to look at jumping ships
Speaker 2: if I really want to improve my financial will being,
Speaker 2: as well as of course my career path and the
Speaker 2: value that I'm contributing and what I'm learning and where
Speaker 2: I am up with my training and education and experience,
Speaker 2: so that you know, maybe it's a pay rise, maybe
Speaker 2: it's a change in job, and maybe it's actually something
Speaker 2: on the side. You know, you do some consulting on
Speaker 2: the side, some freelancing, you know, something that you're interested in,
Speaker 2: passionate about that can give you that extra money that
Speaker 2: you can help up the ante with your functial strategy.
Speaker 1: Or committing to the work needed to secure that promotion
Speaker 1: essentially that kind of educating yourself, expanding your potential so
Speaker 1: that even if the pay rise isn't happening right now,
Speaker 1: you're doing the work for next year so that you're
Speaker 1: getting that promotion, you're getting that increased income. Okay, and
Speaker 1: then of course if that does generate new or additional revenue,
Speaker 1: you can then put that into one of the other
Speaker 1: exactly things that we've talked about. Okay, number four.
Speaker 2: So this is doing a bit of a revamp of
Speaker 2: your financial system, so looking at the engine, looking at
Speaker 2: what you're doing, and looking at where you can really
Speaker 2: improve the efficiency. So reviewing the budget, reviewing the cash flow,
Speaker 2: reviewing the amount of accounts that you've got and what
Speaker 2: account is doing and whether it's actually working for you.
Speaker 2: For a classic is, if you've got say holiday savings,
Speaker 2: perhaps that holiday savings doesn't sit in an online savings account,
Speaker 2: but perhaps your restructure and revamping is maybe putting that
Speaker 2: in the offset account, so it's saving you interest against
Speaker 2: your home loan, or perhaps it's looking at the money
Speaker 2: that you've got to set aside and savings for a
Speaker 2: rainy day that you know you don't actually really need
Speaker 2: as much in that account. You go, okay, well let's
Speaker 2: start doing something different with this. Maybe we can invest it,
Speaker 2: maybe we could use it invest into a side hustle,
Speaker 2: using that, looking at the whole efficiency as to what
Speaker 2: is working for you and where you want your money
Speaker 2: to go and to start growing, and of course like
Speaker 2: what can you automate? That takes away that list of
Speaker 2: things to do, So it's very very easy, you know,
Speaker 2: and doing this on a regular basis goes without saying
Speaker 2: it's essential, and it allows you to then see even
Speaker 2: more opportunities and jump on those to improve your own
Speaker 2: your actual financial trajectory.
Speaker 1: All right, last one, number five, No surprises.
Speaker 2: Here, but you know, looking at some serious superannuation contributions,
Speaker 2: you know, taking advantage of those legal tax efficiencies that
Speaker 2: come with super. You know, looking at the underlying assets
Speaker 2: within your super you know, is your superannuation money invested
Speaker 2: for the long term? Does it match your risk profile?
Speaker 2: Is it does it match the appropriate risk profile for
Speaker 2: where you are at your life cycle and life stage.
Speaker 2: So looking at you know, the fees that you're paying,
Speaker 2: whether it's cost effective, whether it's the right superannuation account
Speaker 2: for you, Looking at projections, so really looking at that
Speaker 2: where you can actually almost organically grow your wealth but
Speaker 2: also grow at a more efficient rate by tweaking a
Speaker 2: little things within the engine to make it work more
Speaker 2: smoothly and work get your money working for you and
Speaker 2: growing for you.
Speaker 1: And I suppose it goes without saying that a financial
Speaker 1: planner is going to really be able to help you
Speaker 1: with this with kind of projections around superannuation and to
Speaker 1: kind of model those kinds of things.
Speaker 2: Right, absolutely, yeah, I mean yes, it.
Speaker 1: Goes without saying I don't even know why you're saying it.
Speaker 2: I mean wow, But that's the thing when people see
Speaker 2: FUNDI plants like, oh wow, this all comes as all
Speaker 2: comes together. Everything is like interlinked and it has a
Speaker 2: flow on effect. And you know, the one thing I'll
Speaker 2: say about I think this particular episode is is it's
Speaker 2: also it's yes, we're talking about improving a financial wellbeing
Speaker 2: definitely with making you aware of you if you do
Speaker 2: nothing and bury your head in the sand versus doing
Speaker 2: something little then versus doing something big. But we're also
Speaker 2: it's important we pay attention to how does it make
Speaker 2: us feel? It is taking the financial stress and pressure
Speaker 2: off yourself by doing something and getting started is huge
Speaker 2: So whilst you may not necessarily initially all the amazing
Speaker 2: improvements in your financial wellbeing, stop and ask yourself, well, Okay,
Speaker 2: I haven't paid off all that I wanted to, or
Speaker 2: I haven't built the share portfolio size of what I
Speaker 2: wanted to. Remember, it's yet, it's a journey. But ask yourself,
Speaker 2: but how do I feel? How do I feel about
Speaker 2: my future? Do I feel a little bit more confident?
Speaker 2: Do I have a little bit more clarity? Do I
Speaker 2: feel a bit excited about what's going to come next?
Speaker 2: Once I've achieved that goal? And I can then use
Speaker 2: that energy and resources to up the ante on my
Speaker 2: investment plan or my superinuation plan or my savings plan.
Speaker 2: It's as I said that these are all linked together,
Speaker 2: but pay attention to how you're feeling.
Speaker 1: That's a very long pause. It's either going to be
Speaker 1: a good pause or a bad poor No. No, I
Speaker 1: was actually paying attention to thinking about how someone listening
Speaker 1: to this or me would look at this list the
Speaker 1: small chain, regular savings plan, reviewing, reducing budget, building up
Speaker 1: emergency money, small additional contributions to your super and education,
Speaker 1: self education around your money, and then the big changes
Speaker 1: investing properly meaty kind of investing, aggressively paying down debt,
Speaker 1: asking for a pay rise, or setting yourself up for
Speaker 1: a new role, revamping your financial system and improving efficiency,
Speaker 1: and really taking advantage of the superannuation changes as superannuation benefits,
Speaker 1: the concessions and things that are there that are effectively
Speaker 1: loopholes that allow you to turbo charge this massive investment
Speaker 1: that you've got, and the small changes feed into the
Speaker 1: big changes. Right. But the key at the end of it,
Speaker 1: this is why I pause. The key is they all
Speaker 1: just require action. They just require something. And so if
Speaker 1: we take that base position of where we started, no action,
Speaker 1: you go backwards. Any other action is going to help
Speaker 1: you in the long run. Hallelujah. I feel like you
Speaker 1: have just witnessed a live conversion to your what may
Speaker 1: be a cult. I mean, you just drunk the kool aid.
Speaker 1: I certainly have. I'm here, I'm part of the congregation,
Speaker 1: all right. If we want more information from you, Instagram
Speaker 1: is the best place to find you.
Speaker 2: The best place Instagram a sugar Mammo TV.
Speaker 1: And you can hear me every day with Sean Aylmer
Speaker 1: on Fear and Greed business news. You can use Thank
Speaker 1: you for listening to how do they afford that? Don't forget?
Speaker 1: As well to pre order a copy of our book.
Speaker 1: It's coming out in September. It is called Twelve Months
Speaker 1: to Financial Freedom, just written by us. Yeah to me, Yeah, indeed,
Speaker 1: I'll put a link in the show notes that's available
Speaker 1: for pre order anywhere where you were would pre order books.
Speaker 1: Thank you for your company. Join us again next week