Speaker 1: Welcome to How Do They Afford That, The podcast that
Speaker 1: peaks into the financial lives of everyday Australians. I'm Michael Thompson.
Speaker 1: I'm a writer and the co host of the podcast
Speaker 1: Fear and Greed business news. As always, I am with
Speaker 1: Canna Campbell, financial planner, founder of sugar Mama TV, the
Speaker 1: financial literacy platform covering YouTube and podcasts and books and
Speaker 1: Instagram threads, TikTok and more. Hello, can a happy new Year.
Speaker 2: I am so motivated. I have had a break, I've
Speaker 2: recharged my batteries. I am ready to relaunch.
Speaker 1: You look motivated. There is a buzz about you if
Speaker 1: you casting around right because it is the new year,
Speaker 1: It's twenty twenty five. If you are not yet sure
Speaker 1: what to do for your new year's resolution, we are
Speaker 1: here to help because you what I would really like
Speaker 1: would be to make this year the year that you
Speaker 1: kind of take control of your money. Because we've covered
Speaker 1: so much stuff, haven't we We've covered so many different things,
Speaker 1: and there's never better time to start things than right away.
Speaker 1: But if you want a milestone, if you want a
Speaker 1: time to do it, the start of the new year
Speaker 1: perfect correctly. So today we are putting together twelve goals
Speaker 1: for twenty twenty five. Shall we jump into it?
Speaker 2: I love that kindogram running all right?
Speaker 1: Number one, and look, these don't have to be your goals.
Speaker 1: You can take and leave any of them depending on
Speaker 1: what suits your own personal circumstances. But number one, make
Speaker 1: a budget.
Speaker 2: Make a budget, or if you already have a budget,
Speaker 2: review your budget, which I should add you should be
Speaker 2: doing every single month, reviewing it. But it is so
Speaker 2: important that you have a budget and that it is
Speaker 2: written down and you can easily access it to update it,
Speaker 2: to check it, to see what other new expenses have
Speaker 2: slipped on.
Speaker 1: In New Year's is typically when I know I should
Speaker 1: be doing it more regularly. But New Years is typically
Speaker 1: when I'm kind of looking at my budget and because
Speaker 1: there's a little bit more downtime and you can sit
Speaker 1: down and do it. For those who haven't got a
Speaker 1: budget and perhaps hearing this podcast for the first time,
Speaker 1: in thirty seconds or less, can you tell us how
Speaker 1: to actually sit down and do it. Is it about
Speaker 1: just assessing what you're already spending and just writing it
Speaker 1: down on paper.
Speaker 2: Oh my gosh, no, you can't do that in thirty seconds.
Speaker 2: We need to do it, I think we need to
Speaker 2: do a whole new session maybe on budgeting and cash flow.
Speaker 2: But you need to go through your transactions. So look
Speaker 2: print off if you need to, or have on a
Speaker 2: separate screen your bank statements. You can actually see the
Speaker 2: reality of what your life costs. You need a calculator,
Speaker 2: you need a piece of pen and paper. I actually
Speaker 2: recommend writing it down on paper before you go and
Speaker 2: plug it into an Excel spreadshet or a budget tenplate.
Speaker 2: But you can pretend that you spend this much on takeaways,
Speaker 2: but your bank account and those transactions will tell you
Speaker 2: the truth and reality.
Speaker 1: Okay. Goal number two is to make twenty twenty five
Speaker 1: the year that you actually create a buffer in your budget, right,
Speaker 1: And that's kind of tied into what you just said
Speaker 1: there about kind of almost stop lying to yourself and
Speaker 1: stop kind of deceiving yourself more so about what you're
Speaker 1: actually spending. Be realistic and go one step further and
Speaker 1: build a buffer in.
Speaker 2: Also with the rise and cost of living, expenses are
Speaker 2: going up all the time, you know, particularly around for
Speaker 2: example insurances, So round everything up so you've got a
Speaker 2: margin of error. And what I say to people through
Speaker 2: the Sugar Mama Budget and cash Flow Academy program is
Speaker 2: round it up to the nearest five to ten one
Speaker 2: hundred dollars. So if it's eighty dollars, quarter one hundred dollars,
Speaker 2: if it's seven dollars, caught ten dollars. But once you
Speaker 2: go to one hundred dollars and more, add ten percent
Speaker 2: on there. So it just keeps you in a very
Speaker 2: safe playground when it comes to managing your cash flow
Speaker 2: and you're not caught short.
Speaker 1: Okay, nearest five dollars, ten dollars, one hundred dollars or
Speaker 1: above that ten percent okay, Because a lot of people
Speaker 1: would just look at the budget and just go, okay,
Speaker 1: this is exactly what we've spent in the past, this
Speaker 1: is exactly what we will allow for in the future.
Speaker 1: But the cost of everything just keeps going up, and
Speaker 1: also things can catch you out, and it's better to
Speaker 1: have that little buffer there exactly for peace of mind.
Speaker 1: Number three speaking a peace of mind, emergency money.
Speaker 2: So your emergency money should be in a separate account,
Speaker 2: and I recommend you nickname it our emergency money. But
Speaker 2: it's not about just having emergency money, about having the
Speaker 2: right amount of emergency money, I will say when it
Speaker 2: comes to your separate account, it is potentially, and speak
Speaker 2: to your bank or mortgage work before you go and
Speaker 2: do this, but have a look at having a redoor
Speaker 2: facility or an offset account, so at least while that
Speaker 2: emergency money is building up, it's helping you to save
Speaker 2: on your interest. And this is so important when I
Speaker 2: say to people when they say, well, how much emergency
Speaker 2: money is the right amount, look at the reality of
Speaker 2: your life and things that could happen and what they
Speaker 2: would cost, and then pick three things that could happen
Speaker 2: simultaneously that will impact your situation. So and I say
Speaker 2: that because things often sometimes things happen in threes. And
Speaker 2: you know, only back in early December, we had a
Speaker 2: electrical fire, our power for the day and so I
Speaker 2: lost all days whether it works, I couldn't do any work.
Speaker 2: And then my car broke down and it broke down
Speaker 2: as I was driving trying to cross intersections, so it
Speaker 2: had to be towed a long way away and then
Speaker 2: huge expense to fix it. So that happened. Then also
Speaker 2: washing machine broke and the air conditioning went, so it
Speaker 2: was you know, things happened. It's not don't think I
Speaker 2: will only one thing happen at a time. You never know,
Speaker 2: so be smart. You never regret having too much emergency
Speaker 2: money and then having that offset account or redeal facility
Speaker 2: can actually work to your financial advantage and saving money
Speaker 2: in the main time. But it means you sleep while
Speaker 2: at night.
Speaker 1: I always struggle with the idea of what constitutes an emergency.
Speaker 2: I did get a message this week from you about
Speaker 2: a certain situation. Whether it was classified as coming out
Speaker 2: of the emergency.
Speaker 1: Money, yes, and it was. We established that I was
Speaker 1: expecting a much more negative response than the one that
Speaker 1: I got because our coffee machine diet and it's hardly
Speaker 1: kind of a it's a very very first world problem.
Speaker 2: And still it's part of your ritual and.
Speaker 1: It's actually really really important, and you are right. We
Speaker 1: did the sums. Then again, Shanna and I did the sums,
Speaker 1: and she was like, hey, you do realize that if
Speaker 1: we were to buy kind of these coffees every day
Speaker 1: out we would be spending X amount and it was
Speaker 1: a staggering sum compared to what it costs to do
Speaker 1: it at home, once you've done the initial outlayer of
Speaker 1: the machine. And so my message to you was, hey, cana.
Speaker 1: Do you reckon a new coffee machine? That count as
Speaker 1: an emergency for the emergency fund? And I was expecting
Speaker 1: this all caps response, no, that's not an emergency something,
Speaker 1: and the response came back, if you really love your coffee,
Speaker 1: then yeah, it probably is.
Speaker 2: It's helping you, say money, But it's also a very
Speaker 2: beautiful ritual I think having a coffee at home.
Speaker 1: Yeah, yeah, no, absolutely, Okay, So make twenty twenty five
Speaker 1: of the year set up your emergency fund because you
Speaker 1: will sleep better at night having that there.
Speaker 2: And also when things do go wrong, you don't fall
Speaker 2: into a mess in a panic. Yes, a crappy week,
Speaker 2: but you know I was able to have a moment
Speaker 2: go thank goodness, we have su emergency money there.
Speaker 1: Yeah. Number four, what have we got?
Speaker 2: Pay down debt, So draw a line in the sand,
Speaker 2: no more toxic debt. If you're relying on credit cards,
Speaker 2: you're lying on buy an now, pay later to survive.
Speaker 2: That is your red flag that you need to get
Speaker 2: the monkey off your back. Pay those debts down and
Speaker 2: take a break from using them, or don't use them
Speaker 2: at all. And you you know, when it comes to debt,
Speaker 2: rules are under thetter of general advice only is you know,
Speaker 2: credit card debt, buy now, pay later, the ones that
Speaker 2: have that toxic impact on your financial situation, and just
Speaker 2: work through your list. And I have a strategy called
Speaker 2: the hitless strategy where you it's not it could mean
Speaker 2: that you paid a little bit more money in interest,
Speaker 2: but it's more about the mindset and shooting into the
Speaker 2: psychology of money.
Speaker 1: What's it called. It's called the hit list hit list.
Speaker 2: We can do an episode if you're like, really only
Speaker 2: hit list.
Speaker 1: I would be open to this.
Speaker 2: But you go through the smallest debt first, and you
Speaker 2: build up momentum and work through. And yes it means
Speaker 2: ignoring which interest rates have the highest interest rate, but
Speaker 2: it's about building a sense of progress with it then
Speaker 2: fuels you and motivates you to keep going. And I've
Speaker 2: approached so many people out of huge amounts of debt,
Speaker 2: but you know, review it and then tracking it so
Speaker 2: you can see it's actually working. But twenty twenty five,
Speaker 2: say goodbye to toxic debt in your life. It is
Speaker 2: financially and emotionally draining.
Speaker 1: Number five on the list is to start paying attention
Speaker 1: to your superannuation. Now I know this is one that
Speaker 1: you are very very passionate about and just start today,
Speaker 1: because the earlier you can start paying attention to your superannuation,
Speaker 1: the longer you have to build up the benefits well.
Speaker 2: Gets monitored, gets made. So find out where your superannuation is.
Speaker 2: Do a search just if you've got any old missing
Speaker 2: superannuation accounts, which is very easily done online, and then
Speaker 2: look at where it is invested. But don't just look
Speaker 2: where it's invested. Make sure it's right for you. So
Speaker 2: go once you've seen where it is. And a lot
Speaker 2: of people in this default balance fund or I actually
Speaker 2: had someone message me to say that they did a
Speaker 2: search and vand had been sitting in cash for the
Speaker 2: last fifteen years horrified than they were so upset of
Speaker 2: themselves they listened to your advice through your podcast. I
Speaker 2: went did this and now fixed it. I feel so
Speaker 2: much better. But obviously she was. This person was kicking themselves.
Speaker 2: So make sure it's right for you. So once you
Speaker 2: find out where it is, then go into a risk
Speaker 2: profile and you know if you need to make some changes,
Speaker 2: get advice because obviously there are consequences like capital gains
Speaker 2: tax and by cell costs, brokerage and so forth, So
Speaker 2: that's really important. And also whilst you're there, check that
Speaker 2: your contributions have been going in and they've been going
Speaker 2: on on time. In a previous episode, I shared about
Speaker 2: a friend of mine that discovered her employee UH had
Speaker 2: never been paying super and she missed out on about
Speaker 2: thirty five thousand dollars with SUPER contributions, which was devastating.
Speaker 1: Ouch. And that's just in the contributions. That's not adding
Speaker 1: up what that would have cost at retirement time, when
Speaker 1: all of a sudden, the power of compound interests and
Speaker 1: the power of having those investments working for you would
Speaker 1: have seen it worth a lot a lot more. Yeah,
Speaker 1: And it's worth also mentioning the fact that everything that
Speaker 1: we're talking about here we have done episodes on these
Speaker 1: ones individually in the past. So if you're a new
Speaker 1: listener to the podcast, welcome first, but also have a
Speaker 1: bit of a scroll back through the past catalog, because
Speaker 1: we have taken a deep dive in the past into say,
Speaker 1: doing your risk profile and deciding where you should have
Speaker 1: your money within your superannuation, what type of assets and
Speaker 1: kind of what the appropriate level of risk is for you.
Speaker 1: So we've got more information on all of these in
Speaker 1: previous episodes. Today's really just this is putting together the
Speaker 1: ultimate list of goals to make this year the year
Speaker 1: that you take back control of your money. One more
Speaker 1: before we take a quick break though. Number six. Start
Speaker 1: an investment portfolio. This is filled countless episodes on its own.
Speaker 2: Now's the time to invest. I don't believe superannuation on
Speaker 2: its own is going to be able to fund our
Speaker 2: retirement or the retirement that we actually want. It is
Speaker 2: important that you're investing as well. And obviously, you know
Speaker 2: some people in certain age groups may you want to
Speaker 2: have a bias towards super or bias towards investing, but
Speaker 2: you know, this is the year to start investing. If
Speaker 2: you've been thinking about it and wanting to do it's
Speaker 2: been on your list but never actually done it, or
Speaker 2: you started it and just kind of drop the ball
Speaker 2: on it, reconnect with it, get it going again. And
Speaker 2: that's why I love the thousand dollars project because you know,
Speaker 2: you can start with one thousand dollars and it's exciting.
Speaker 2: You can watch it grow and you can think outside
Speaker 2: of the square to how you're going to get more money,
Speaker 2: and you start tracking that passive income and thinking about Okay, well,
Speaker 2: I now make two thousand dollars a year of my portfolio.
Speaker 2: That's going to contribute towards my retirement goals. You know,
Speaker 2: the sooner you can start investing, the better.
Speaker 1: I love that like it is. That is one of
Speaker 1: those ones that gets people genuinely excited because it is
Speaker 1: working towards a different future, better future. Yeah, indeed, all right,
Speaker 1: So that's the first six about twelve goals for twenty
Speaker 1: twenty five. Let's take a quick break and come back
Speaker 1: and get the next six. Cana. We are setting twelve
Speaker 1: goals for twenty twenty five where you're just coming up
Speaker 1: with ideas really here, and you can pick and choose
Speaker 1: the ones that suit you and the ones that are
Speaker 1: appropriate for you. Number seven, improve your financial literacy. Make
Speaker 1: twenty twenty five the year that you do that. And hey,
Speaker 1: if you're listening to this podcast, it's probably already a
Speaker 1: good start.
Speaker 2: Right, you know. Creat a habit system. You know, have
Speaker 2: a simple goal. You listen to one podcast a week
Speaker 2: like this one or Sugar Mama's Fireplay, or you read
Speaker 2: one book per month, or you watch a video on
Speaker 2: YouTube about investing, or you spend half an hour every
Speaker 2: Monday morning going through the money Smart website, which is
Speaker 2: created by Ask. There is so much free information out
Speaker 2: there to help you, and great quality information to allow
Speaker 2: you to make far better decisions with your money. And
Speaker 2: I prove your financial wellbeing in seeing it in your
Speaker 2: bank balance, but also internally as well.
Speaker 1: That's a good one, isn't it, because it is something
Speaker 1: that you can do at your own pace too, and
Speaker 1: you can do it in a way that works for you.
Speaker 1: If you are a podcast listener, there are a great
Speaker 1: podcasts out there to listen to. If you like reading
Speaker 1: books and kind of taking a deeper dive into things,
Speaker 1: then go for that. And the money Smart website that
Speaker 1: you mentioned is a fantastic resource for explaining terms in
Speaker 1: really simple language and kind of helping to educate you.
Speaker 1: And no one needs to know what you were researching.
Speaker 1: It's a great way of kind of filling some knowledge
Speaker 1: gaps that you might not be comfortable admitting that you have.
Speaker 1: And I've done it. I've jumped on there and looked
Speaker 1: up stuff. Oh okay, all right, that wasn't so hard
Speaker 1: at all. Now that's number seven, number eight vitally important.
Speaker 2: I will admit I need to do this. I have
Speaker 2: a will, but it needs to be updated and I
Speaker 2: need to make some changes. So you know, you've got
Speaker 2: to have a will in place. You may think, well,
Speaker 2: I've got nothing, you know, no assets, but that's not
Speaker 2: the issue. Issues. You do have assets, you have superinnovation,
Speaker 2: but also you may have some debts as well. You
Speaker 2: need to be thinking about and you know, thinking about
Speaker 2: what is the best for your family, for your loved ones,
Speaker 2: and where do you want the wealth that you've established
Speaker 2: so far. You've got items, You've got your belongings that
Speaker 2: are valuable. So you have a will if you don't,
Speaker 2: or make sure it's updated.
Speaker 1: Yeah, and it's just one of those things that it's
Speaker 1: an uncomfortable thing to do. But once you've done it, okay,
Speaker 1: you're good for a bit. And you do need to
Speaker 1: kind of keep reviewing it and keep checking it every
Speaker 1: now and then to make sure that it is.
Speaker 2: Current, especially if your situation changes.
Speaker 1: Yeah. Absolutely, but just get it done in the first place.
Speaker 2: And include a charity in there as well.
Speaker 1: Yeah, great idea, Thank you. I like that. While we
Speaker 1: are reviewing things, Number nine is review your insurances.
Speaker 2: Yes, not just your general insurances, but your personal insurances
Speaker 2: as well, so you know income protection, life and TPD,
Speaker 2: trauma cover home and contents. You know, maybe if you
Speaker 2: have an the best probably might have landlord insurance. Go
Speaker 2: far and wide with this. And also I recommend when
Speaker 2: you do that search for your superannuation accounts, which I
Speaker 2: believe was number five, is to have a look at
Speaker 2: what insurances might be attached to those old superannuation accounts.
Speaker 2: I know when I was running my fincial planning practice,
Speaker 2: I'd always come across an old superinhnuoation account for a
Speaker 2: client and have like a five hundred thousand of a
Speaker 2: life policy. They had no idea existed. So do your research,
Speaker 2: you know, see what insurance policies attached to superannuation accounts.
Speaker 2: Also might add accidental cover. I had completely forgotten that
Speaker 2: when Rocker was a baby, I took out accidental cover
Speaker 2: on him and it wasn't until I got something in
Speaker 2: the mail saying that actually he had default because I
Speaker 2: changed bank accounts and not updated. It was like, oh
Speaker 2: my goodness, I completely forgot about that. So make sure
Speaker 2: you take stock of what you have in place and
Speaker 2: what you need and what you potentially don't need because
Speaker 2: you're doubling up somewhere else.
Speaker 1: Number ten, there's one that you are very past because
Speaker 1: you have talked about it a number of times, calling
Speaker 1: up your utilities provider and asking for a better deal.
Speaker 2: Oh, I do this every free WI February.
Speaker 1: I know you're and you're very satisfied when you do
Speaker 1: it well.
Speaker 2: I've shared previously, I have the numbers in my phone,
Speaker 2: and in my phone, I will have also my account number,
Speaker 2: so it's very easy to access the information to make
Speaker 2: sure my phone call is very efficient, and I can
Speaker 2: do it literally in the car obviously with two hands,
Speaker 2: using bluetooth, responsible driving at all times, but asking for
Speaker 2: a better deal. I do this with Foxtel. I do
Speaker 2: this with our energy and gas bill everything. I leave
Speaker 2: no stone unturned in It's amazing. If they think they
Speaker 2: can lose you, we'll pull a rabbit out of a hat.
Speaker 1: Isn't that great? And there is nothing more satisfying than
Speaker 1: feeling like, hey, I've just saved money that I would
Speaker 1: not have saved if I hadn't taken that step.
Speaker 2: And I know this sounds really weird and odd coming
Speaker 2: from a financial planner, but sometimes the smallert savings are
Speaker 2: actually more satisfying than the big savings.
Speaker 1: Yes, I know exactly clearly what you mean. It's also
Speaker 1: then leads us very neatly into number eleven on our list.
Speaker 1: Because we talk about kind of small savings. This is
Speaker 1: at the other end, this can lead to some big, big,
Speaker 1: big savings. We are calling up your bank.
Speaker 2: Yes, and asking for a better deal with your home loan. Now,
Speaker 2: I will say be careful with this because if you
Speaker 2: call your bank, they're obviously only going to talk about
Speaker 2: their bank products and you know, try and get you
Speaker 2: one of their products, which is obviously their work for
Speaker 2: the bank. That's their job. So if you get a
Speaker 2: no from your bank, or you're not happy with the answer,
Speaker 2: reach out to a mortgage broker, and experienced mortgage broker
Speaker 2: that can actually go and look far and wide for
Speaker 2: you with other financial institutions that maybe have an even
Speaker 2: better interest rate for you. And Adam McCabe we've had
Speaker 2: on the show here from blue Land and you get
Speaker 2: brilliant hack. It's like, what you can do is look
Speaker 2: at what your current bank is offering new customers, and
Speaker 2: if that new rate for new customers is lower than
Speaker 2: what you're playing, that is often a sign that they
Speaker 2: will go and reduce your rate to at least match that.
Speaker 2: If you're not.
Speaker 1: Better, It shows they have the capacity to do that.
Speaker 2: Don't exactly, but it is going to depend on how
Speaker 2: long you've been with the mank what the size of
Speaker 2: your loan is, what you've paid off so far, value
Speaker 2: of your property. There are a lot of obviously variables.
Speaker 1: And if you're not a confrontational person, if you're a
Speaker 1: bit of an introvert, honestly, this is a fairly easy
Speaker 1: call to make to talk to someone at your bank
Speaker 1: about this. I've done this before. Talk to them and
Speaker 1: they did reduce the rate fairly significantly. But if you're
Speaker 1: not comfortable doing that yourself, then talk to a mortgage
Speaker 1: broker and get them to do it for you. And
Speaker 1: they will do that is.
Speaker 2: No skin off their nose, and a good more wood
Speaker 2: wreck will happily do it for you.
Speaker 1: And they've already got that. They know where to go,
Speaker 1: they know which banks are the ones that are more
Speaker 1: aggressively chasing customers and things, and they are the ones
Speaker 1: that typically will actually move the greatest.
Speaker 2: Exactly, but obviously, use those savings, don't spend it, don't
Speaker 2: put that newfound savings back into your budget if you
Speaker 2: can afford to increase your mortgage payments by that you
Speaker 2: found savings. Last savings that expand massively.
Speaker 1: The last one, number twelve. What do you think about
Speaker 1: this one? It's kind of fun. Actually, they've got a
Speaker 1: fun one for number twelve. Learn your credit score? Do
Speaker 1: you reckon? I reckon? Most Australians probably would have no
Speaker 1: idea what their credit score is.
Speaker 2: I know I agree with you on this one. And
Speaker 2: a lot of people think, oh, learning need to worry
Speaker 2: about that when I go borrow money. But we've mentioned
Speaker 2: this in the past identity theft. You can see what's
Speaker 2: going on who's potentially taken a credit card out in
Speaker 2: your name. And obviously if you're preparing to borrow some money,
Speaker 2: they'll be buying a home or boring to renovate, or
Speaker 2: maybe looking at borrowing money to do a debt recycling strategy.
Speaker 2: Jump online. It takes five minutes if that, and it's free.
Speaker 2: It's free.
Speaker 1: Yeah, and it's quite satisfying. Again, I know this is
Speaker 1: this sounds like all I'm looking for is satisfaction from
Speaker 1: all of these resolutions, But it is quite satisfying to
Speaker 1: go in there and to check it, and you can
Speaker 1: check it again later. You can check it in six months,
Speaker 1: you can check it in a year and see where
Speaker 1: your credit score is in fact improving or whether it's
Speaker 1: not backwards going backwards. There we go, because it is
Speaker 1: something that you do need to keep an eye on because,
Speaker 1: as you say, just that red flag of identity theft
Speaker 1: for one thing.
Speaker 2: And also don't people don't realize if you have a
Speaker 2: good credit score, you're in a better bargaining position when
Speaker 2: it comes to negotiating a better for your home loan.
Speaker 1: That's a good point. So you can actually say, hey,
Speaker 1: I know my credit score is X. I am a
Speaker 1: good candidate for this, I'm a good customer exactly. Okay,
Speaker 1: all right, that's a good list.
Speaker 2: We have delivered. I feel like this morning.
Speaker 1: Yeah. Twelve solid goals for twenty twenty five. Make a budget,
Speaker 1: create a buffer in your budget, set up an emergency fund,
Speaker 1: pay down debt, pay attention to your super start an
Speaker 1: investment portfolio. Improve your financial literacy. Set up or update
Speaker 1: your will, review your insurances. Call up your utilities provider
Speaker 1: and ask for a better deal. Call up your bank
Speaker 1: or mortgage broker and ask for a better deal. On
Speaker 1: your home loan and learn your credit score. It's going
Speaker 1: to be a very busy January.
Speaker 2: Bring on twenty twenty five.
Speaker 1: It's very exciting, isn't it? All right? Cannor? If we
Speaker 1: want more information, where do we find you?
Speaker 2: Best base tomind me and contact me is through Instagram.
Speaker 1: And you can hear me every day with Sean Aylmer
Speaker 1: on Fear and Greed. Daily business news for people who
Speaker 1: make their own decisions. Thank you for listening to how
Speaker 1: do they afford that? Remember to hit follow on the podcast.
Speaker 1: That is most important and the best thing you can
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Speaker 1: for your company. Join us again next week