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Speaker 1: Welcome to start here a very special mini series within

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Speaker 1: Sugar Mamma's Fireplay that is designed just for you. This

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Speaker 1: is your safe space where you can ask me questions,

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Speaker 1: you can share your financial challenges and decisions, and together

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Speaker 1: we can hopefully break through any of your fears or

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Speaker 1: mental blocks that are holding you back from simply getting started.

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Speaker 1: Whether you're feeling overwhelmed, you've got analysis paralysis, or you're

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Speaker 1: simply unsure where to begin to get started, this is

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Speaker 1: the perfect series that will help guide you with honest,

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Speaker 1: practical and empowering advice so that you make the first

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Speaker 1: step towards having financial clarity and confidence in your life.

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Speaker 1: Here's how it works. Simply send me a DM on Instagram,

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Speaker 1: at Sugar Mamma TV or at Canna Campbell Official. Introduce yourself,

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Speaker 1: let me know what you need general advice on and

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Speaker 1: in every single episode, I promise to inspire you, but

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Speaker 1: most importantly, educate you and empower you to start thinking critically,

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Speaker 1: take action, and start moving in the right direction with

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Speaker 1: your financial future. So let's get Starne. Welcome back everyone.

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Speaker 1: Today's episode is a question focused around whether someone should

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Speaker 1: downsize the home or not. I received this DM saying, Hi, Cannah.

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Speaker 1: I'm a single mum in my forties. I've been divorced

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Speaker 1: for about a year now, and the only debt I

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Speaker 1: have is our mortgage. Over the last year or so,

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Speaker 1: I've been focusing on rebuilding my career after working part

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Speaker 1: time being self employed as I raised some young children.

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Speaker 1: I'm actually earning good money, but because I worked for

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Speaker 1: myself part time, I have barely anything in souperinnuation. But

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Speaker 1: that's not what worries me. It's the mortgage. Whilst I'm

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Speaker 1: able to meet the mortgage repayments each month, I feel

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Speaker 1: that after I've paid for the kids, the rising cost

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Speaker 1: of living, there is absolutely nothing left. There is nothing

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Speaker 1: left for family holidays, for any type of luxury, any

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Speaker 1: type of adventure, and it's really starting to get to me.

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Speaker 1: I'm starting to feel tired and burnt out, so I'm

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Speaker 1: starting to wonder whether maybe I should downsize. You see,

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Speaker 1: I'm in a fortunate position where I could potentially sell

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Speaker 1: my house, clear my mortgage, and buy a smaller home

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Speaker 1: and be mortgage free. I really like the thought of

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Speaker 1: this and be able to spend money again and enjoy

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Speaker 1: money again. But I really don't know what is the

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Speaker 1: best thing for my financial future? What should I do?

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Speaker 1: I feel completely stuck, I feel completely overwhelmed, and I'm

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Speaker 1: feeling pressure around me from other people to hurry up

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Speaker 1: and make a decision. Wow, okay, all right, there's a

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Speaker 1: lot going on here, and I really hate that people

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Speaker 1: have put pressure on you to hurry up and make

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Speaker 1: a decision, because this is a huge one. And when

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Speaker 1: you do make a decision, I don't want you to

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Speaker 1: have any regrets and I want you to no one

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Speaker 1: understand all the pros and cons behind this massive decision.

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Speaker 1: So the first thing is I want to get down

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Speaker 1: to the basics and also the things that are obvious,

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Speaker 1: but you may have maybe gotten lost with all the

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Speaker 1: pressure around you. This decision is huge. It's also a

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Speaker 1: really expensive decision. You have to pay for stamp duty

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Speaker 1: when you go to downsize. Yes, because you're downsizing, the

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Speaker 1: stamp duty costs won't be as big, but stamp duty

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Speaker 1: is significant. It's a significant cash outlay. You're also going

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Speaker 1: to have to pay for marketing costs with the agents.

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Speaker 1: You've got your agent commissions of course, and there's a

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Speaker 1: cost of moving. There's legal fees and I don't know

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Speaker 1: what mortgage structure you've got at the moment, but if

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Speaker 1: you have a fixed mortgage, there may be some broke

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Speaker 1: costs involved, So you have to really sit down and

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Speaker 1: think about all these numbers. Then you also need to

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Speaker 1: go and get some advice. You need to start with

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Speaker 1: real estate agents. Speaking to real estate agents that are

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Speaker 1: in your area, that have been in your air for

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Speaker 1: a really long time, and you need to start picking

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Speaker 1: their brain as to what they think. But obviously with

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Speaker 1: a grain of salt, because I've never met a real

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Speaker 1: estate agent that didn't tell me to sell, because obviously

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Speaker 1: they want to sell your property in there, to sell

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Speaker 1: your property as soon as possible. But I'd be asking

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Speaker 1: them some questions that really peels back the layers and

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Speaker 1: gets a good insight into the way they think and

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Speaker 1: what they would do. And be very careful of the

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Speaker 1: sweeping headlines like properties grown by five percent of this

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Speaker 1: area or seven percent in this area. It's not actually

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Speaker 1: quite as simple as that, and a good real estate

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Speaker 1: agent will actually break it down because there are different

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Speaker 1: price points that have had different growth, and some price

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Speaker 1: points have maybe even softened and come back. For example,

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Speaker 1: when you speak to a real estate agent like I

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Speaker 1: did not. That long ago. I actually discovered that properties

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Speaker 1: that had a swimming pool were actually selling a lot

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Speaker 1: stronger price point above the reserve than ones that didn't,

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Speaker 1: and then properties that had five bedrooms were actually not

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Speaker 1: as in demand as properties that had three bedrooms. You

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Speaker 1: really need to get the finer details as to where

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Speaker 1: the profit could be made, what people are looking for,

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Speaker 1: what people are buying for, what people are willing to

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Speaker 1: pay more just to be able to secure. But then

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Speaker 1: of course it works the other way. If you're to

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Speaker 1: be buying back into the market, you've got to be downsizing.

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Speaker 1: You don't want to downsize for very small financial gain.

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Speaker 1: For example, you might sell for say two million dollars

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Speaker 1: for example, but then when you realize you got to downsize,

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Speaker 1: what you're downsizing too is say one point five or

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Speaker 1: one point eight, and you're not actually really freeing up

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Speaker 1: that much money after all. So this is why it's

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Speaker 1: really important you get a really good understanding as to

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Speaker 1: where the value is in the market, and don't just

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Speaker 1: rely on one agent. Go and speak to at least

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Speaker 1: three different agents. Ask them what would they do if

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Speaker 1: this was them? What are they seeing people asking for

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Speaker 1: in property? Do they want a swing pool, Do they

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Speaker 1: want a garden, Do they want a particular property on

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Speaker 1: the certain side of the suburb. You've got to be

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Speaker 1: thinking about both sides of the coin, the price of

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Speaker 1: selling and the price of buying back in. You want

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Speaker 1: to have absolutely no regrets whatsoever. And of course take

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Speaker 1: your time. This is nothing that you should be rushing.

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Speaker 1: Really tell the people around you that are putting presure

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Speaker 1: to hrpen decision, to just back off and allow you

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Speaker 1: to get to this point when you are ready. But

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Speaker 1: also at the same time you need to make sure

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Speaker 1: that you keep your finger on the pulse because whilst

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Speaker 1: the information that you're given by real estate agents is

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Speaker 1: accurate at that point in time, things can very quickly

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Speaker 1: change and you might find the tune has changed, say

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Speaker 1: three months later. So take your time, but stay close

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Speaker 1: to your reliable, trusted sources of information at all times.

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Speaker 1: And I have to say, this may be a great decision,

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Speaker 1: but maybe the timing isn't right for you. Perhaps you

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Speaker 1: do need to downsize and clear debt, but perhaps that's

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Speaker 1: for further down the track. Perhaps that's in five years time,

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Speaker 1: ten years time, or perhaps when you go to retire

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Speaker 1: and you want to look at things like the downsize

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Speaker 1: of contribution rules, which of course may not necessarily be there,

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Speaker 1: But these are the things that you really need to

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Speaker 1: think about before you make such a big and expensive decision. Now,

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Speaker 1: I'm not going to tell you whether you should sell

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Speaker 1: or not, because it's extremely personal and only you know

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Speaker 1: what is best for you. But what I can tell

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Speaker 1: you to help you get started and working out what

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Speaker 1: is the best thing for you is to think about

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Speaker 1: your situation, think about what you really value, what you

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Speaker 1: really want. Perhaps you actually value having the security of

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Speaker 1: a nice home that's worth lots of money, and that

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Speaker 1: it's growing in a wonderful ara in a great price point,

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Speaker 1: and that's eventually going to be your nest egg, and

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Speaker 1: that you're happy with a bit of short term pain

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Speaker 1: for the long term gain of the value of the house.

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Speaker 1: Or perhaps you're at a different point in your life

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Speaker 1: where your value system has changed and evolved, and in

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Speaker 1: fact you prefer the financial stability. You would prefer having

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Speaker 1: a greater cash flow, you would prefer to have more time,

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Speaker 1: more choice, you'd prefer to be able to invest more

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Speaker 1: in experiences rather than having to pay that monthly mortgage

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Speaker 1: repayment and those big interest bills that really do add

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Speaker 1: up over time. Spend time exploring where your value system is.

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Speaker 1: It will act as a great guide to lead you

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Speaker 1: to a decision where you feel really comfortable and really

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Speaker 1: confident within yourself. The other things I'm going to say

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Speaker 1: with my financial planning cap firmly back on is if

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Speaker 1: you do decide to sell, please don't fall victim to

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Speaker 1: the lifestyle creep. I know you've mentioned in your DM

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Speaker 1: to me that there is no money for holidays and

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Speaker 1: travel in any sort of form of luxury experiences. And yes,

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Speaker 1: whilst selling your home and downsizing and being mortgage free

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Speaker 1: sounds fabulous, make sure the money that was originally used

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Speaker 1: for mortgage of payments actually does go towards building your

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Speaker 1: financial independence and financial stability in freedom. You have flagged

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Speaker 1: with me in your DM that you barely have any

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Speaker 1: money in superannuation because you took time out of the

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Speaker 1: workforce to raise children, and because you were self employed,

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Speaker 1: no one was contributing to your superannuation. I think it's

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Speaker 1: amazing that you're aware of this concern, of this gap

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Speaker 1: that you are somewhat behind. But by putting the right

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Speaker 1: strategies in place today you can quickly make up for

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Speaker 1: that lost time and get yourself back on track again.

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Speaker 1: And this is why I say, if you do decide

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Speaker 1: to sell, I highly recommend looking at replacing those mortgage

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Speaker 1: repayments with a very healthy, respectful balance between your superannuation

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Speaker 1: and investing as well as your own lifestyle and living expenses.

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Speaker 1: And this is where a financial planner can come in

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Speaker 1: and really offer some wonderful, high value personal advice where

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Speaker 1: they sit down and do a budget with you, and

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Speaker 1: you look at what the new cash flow will look

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Speaker 1: like if you were to be mortgage free, and they

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Speaker 1: can work with you a really healthy split where some

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Speaker 1: money goes towards an international holiday each year for you

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Speaker 1: and your kids, and some money goes into superannuation through

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Speaker 1: salary sacrificing or an after tax contribution, and perhaps, if appropriate,

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Speaker 1: some money goes towards investing or perhaps even a debt

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Speaker 1: recycling strategy. This is the value of a financial planner.

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Speaker 1: They will leave no stone unturned and they will show

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Speaker 1: you all the different options that are available to you

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Speaker 1: so that you don't just simply downsize and then use

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Speaker 1: the money that you're originally using for mortgage of payments

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Speaker 1: to just spend on stuff, on luxury, on the things

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Speaker 1: that necessarily will not actually help improve your financial situation,

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Speaker 1: because the last thing you want to do is continue

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Speaker 1: on spending lots of money. Wake up at age sixty

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Speaker 1: or age sixty five and realize, Wow, I have a

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Speaker 1: smaller home. Yes, no mortgage, but I still have barely

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Speaker 1: anything in superannuation, even though I'm back in the workforce

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Speaker 1: again and I'm being paid super guarantee. So you've got

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Speaker 1: to be really proactive here. You've got to be really aware,

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Speaker 1: and you've got to be really informed, and you've got

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Speaker 1: to put things in place the moment you make this decision.

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Speaker 1: And I know that you've mentioned want to retire, and

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Speaker 1: there's you are worried about super but we need to

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Speaker 1: get really clear about exactly what you want. I've touched

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Speaker 1: on the importance of understanding your value system, what's important

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Speaker 1: to you now, and just so you know, your values

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Speaker 1: do change. They change as our life changes. Our values

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Speaker 1: tend to change when we have children. Our value change

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Speaker 1: when we lose a loved one. Our values change when

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Speaker 1: relationships break down. Our value changes when we have like

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Speaker 1: a health impact. It is very normal in that and

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Speaker 1: That's why your financial strategy should always evolve with you,

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Speaker 1: and you should always been in tune to what is

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Speaker 1: important to you, what makes you feel happy inside, what

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Speaker 1: makes you feel safe, what makes you feel insecure, and

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Speaker 1: also what makes you feel excited and empowered at the

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Speaker 1: same time. So you need to spend some time after

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Speaker 1: you've worked out your values is to get it crystal

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Speaker 1: clear about what you want financially. How much do you

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Speaker 1: want to be able to retire on per annum one

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Speaker 1: hundred thousand, two hundred thousand, maybe eighty thousand dollars? And

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Speaker 1: a great place to start is by looking at your budget,

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Speaker 1: your living expenses, how much money do you need today

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Speaker 1: to be able to survive? And of course when do

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Speaker 1: you want to retire? You mentioned you're in your forties.

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Speaker 1: Now do you see yourself retiring mid fifties or when

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Speaker 1: you're sixty or perhaps you love your new career and

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Speaker 1: you love that you're building a career and you actually

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Speaker 1: see yourself working up to say age sixty five or

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Speaker 1: even beyond that point. These are the bits of information

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Speaker 1: that you really need to know about yourself in order

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Speaker 1: to make great decisions that come with no regret and

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Speaker 1: fill you with confidence and pride and joy. Now to

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Speaker 1: give you some examples when you think, oh my gosh,

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Speaker 1: I don't even know when you know how much I'm

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Speaker 1: going to be able to retire on or what I

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Speaker 1: should really be wanting for. But here's some figures just

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Speaker 1: to use as a guide. Assuming that you want to

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Speaker 1: retire on say one hundred and forty thousand dollars per annum,

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Speaker 1: and you see yourself. You know, this is in today's dollars,

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Speaker 1: by the way, and inflation is around say two and

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Speaker 1: a half percent, and you want that retirement income to

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Speaker 1: keep up with inflation when you're retired, of course, but

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Speaker 1: you want it to last, say twenty five years. So

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Speaker 1: you know if you retire at sixty, that money's going

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Speaker 1: to run out around about age eighty five, which is

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Speaker 1: at a current life expectancy. And you're you know, we

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Speaker 1: assume a net return of say seven and a half

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Speaker 1: percent per annum. In order to be able to retire

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Speaker 1: on one hundred and forty thousand dollars lasting twenty five

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Speaker 1: years with a net return of seven and a half percent,

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Speaker 1: you're going to need about two million dollars in superannuation.

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Speaker 1: So you need to get professional personal advice from a

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Speaker 1: licensed financial planner who can not only help make sure

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Speaker 1: that you have that two million dollars if this is

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Speaker 1: your figure that is, but also can help make sure

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Speaker 1: that you get there on time. And the great thing

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Speaker 1: about a financial planner, not only are they going to

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Speaker 1: turn every single stone over for you to have a

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Speaker 1: look and analyze and consider and look at all the

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Speaker 1: different tools and options and strategies that are available to

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Speaker 1: you today that you can get started with. They're going

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Speaker 1: to give you some powerful projections and they'll also be

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Speaker 1: able to give you some powerful comparisons through those projections,

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Speaker 1: where they can look at the option of selling now, downsizing,

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Speaker 1: having no mortgage, putting you know, some great contribution strategies

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Speaker 1: and saving plans and investing plans in place, and run

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Speaker 1: some numbers and look at those projections and see where

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Speaker 1: that lands and if that's in alignment to your goals.

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Speaker 1: But they can also look at the option of delaying selling,

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Speaker 1: perhaps holding on it a little bit longer, you know,

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Speaker 1: increasing the value of a home even and then downsizing

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Speaker 1: later on where you can then put a nice fat

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Speaker 1: lump sum into superannuation that tops you up to that

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Speaker 1: two million dollars. Perhaps they will run the finer numbers

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Speaker 1: with you. They'll look at the finer details and go

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Speaker 1: through absolutely everything, and they will not let you make

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Speaker 1: any decisions unless they know that you understand all the

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Speaker 1: pros and cons, but also all the opportunities, all the costs,

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Speaker 1: all the risks, and then you can make that decision.

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Speaker 1: And that is when you tell people around you who

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Speaker 1: are pressing you that you're already You've made a decision.

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Speaker 1: You're not going to be impacted by people who don't

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Speaker 1: know the finer details of what really is going on

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Speaker 1: for you. But if you do decide to hold on,

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Speaker 1: I also want to point this out as well. Right

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Speaker 1: now things might be tight, But can I also point

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Speaker 1: out you're just in your forties. You're still so young.

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Speaker 1: It won't necessarily always be like this. You have twenty

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Speaker 1: years of earning potential ahead of you. It sounds like

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Speaker 1: you have an exciting career path in front of you

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Speaker 1: with lots of things happening and filled with so many

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Speaker 1: opportunities to actually earn more and make more money that

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Speaker 1: your situation may actually organically improve. And you actually look

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Speaker 1: at this situation two years down the track, going oh wow,

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Speaker 1: I'm actually earning more money and I'm meeting my mortgage

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Speaker 1: repayments without any stress. And guess what, there's been money

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Speaker 1: left over and we have been able to go on

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Speaker 1: a holiday. Things are actually easier. I just needed it

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Speaker 1: to hold on and just understand that life's on time

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Speaker 1: does get tough, life can be tight, and this is

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Speaker 1: just just a part of the natural part of life.

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Speaker 1: And actually have come out of this with a greater

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Speaker 1: respect of my finances and my budget and learning how

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Speaker 1: to manage my money in a better way. This could

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Speaker 1: be a blessing in disguise. Just because it's tight, just

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Speaker 1: because it's tough, doesn't mean you need to throw the

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Speaker 1: towel in and quit. I am completely neutral in this situation.

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Speaker 1: I'm not encouraging you to sell, and I'm certainly not

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Speaker 1: encouraging you to hold on. I'm encouraging you to really

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Speaker 1: go deep and think about absolutely everything. You also need

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Speaker 1: to take into consideration that whilst you have young children

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Speaker 1: living with you again, it's not always going to be

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Speaker 1: like this. No, kids are expensive. We all know that

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Speaker 1: education costs. Just to feed children can be expensive. Eventually

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Speaker 1: they're going to move out and they're going to be

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Speaker 1: financially independent, and that's going to also free up more money.

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Speaker 1: And perhaps that's the money that pays off the rest

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Speaker 1: of your mortgage. Perhaps that's the rest of the money

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Speaker 1: that you put into superannuation. Who knows. You may look

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Speaker 1: back and realize, Wow, I'm so glad I didn't sell

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Speaker 1: because I actually just did the work. It got tough,

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Speaker 1: I didn't like it, but I tightened my belt and

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Speaker 1: I paid my home off, and I was also able

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Speaker 1: to put money into superannuation. And not only do I

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Speaker 1: have the same home, I haven't had to downsize, and

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Speaker 1: I've also got enough money in superannoation. But quite often

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Speaker 1: this is going to involve investing in a financial planner

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Speaker 1: and spending time with a financial planner who can not

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Speaker 1: just quickly run numbers for you and compare them for

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Speaker 1: you and talk about different ideas and strategies. They'll actually

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Speaker 1: put them in place for you, they'll implement them, and

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Speaker 1: they'll review those ideas, those strategies, the progress the projections

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Speaker 1: every single year, if not twice a year, so that

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Speaker 1: you stay on track and you are living a life

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Speaker 1: that is alignment to not just your values but also

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Speaker 1: your goals and dreams. And you're enjoying life more. You

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Speaker 1: feel more confident, you feel more stable, and you know

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Speaker 1: that you made the best decision possible. So what I

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Speaker 1: recommend you do is please take your time, do your research.

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Speaker 1: Look into all the expenses in selling versus holding on,

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Speaker 1: including the cost of interest over the long run. Get advice.

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Speaker 1: Speak to at least three different real estate agents that

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Speaker 1: have a huge amount of experience and expertise in your area,

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Speaker 1: that you know and trust. Ask them what they would

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Speaker 1: do rather than what they want you to do. As

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Speaker 1: I said, I've never made a real estate agent that

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Speaker 1: toldby now is the worst time to sell. Of course

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Speaker 1: they want to sell your property, They're always going to

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Speaker 1: say now is the best time to sell. I wouldn't delay,

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Speaker 1: So take that with a crane of salt. Of course,

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Speaker 1: go and speak to a financial planner. Talk to them

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Speaker 1: about what's important to you, what you're worried about, what

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Speaker 1: you can do to reduce those fears and those risks.

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Speaker 1: Get really clear about your goals. How much do you

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Speaker 1: want to retire on and when? How long do you

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Speaker 1: want that money to last? And what are your values?

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Speaker 1: Do you value stability, freedom, cash flow, abundance, even and

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Speaker 1: you're happy to have a smaller home that's not worth

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Speaker 1: as much. Or perhaps you really love your home and

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Speaker 1: it would break your heart to actually have to sell it,

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Speaker 1: and you've made beautiful connections in your neighborhood and you

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Speaker 1: don't want to rock the apple cart. You love what

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Speaker 1: you've built and you're proud of it, and you've managed

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Speaker 1: to get through no divorce and come out the other

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Speaker 1: side with that home as proudly yours for all the

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Speaker 1: work that you put into it and raising your children.

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Speaker 1: So think about your goals, dreams, think about your values,

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Speaker 1: and get a financial planner to run the projections for you,

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Speaker 1: selling versus not selling, selling versus selling further down the track.

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Speaker 1: Get them to go through your budget. Perhaps you're just

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Speaker 1: doing a few things wrong with your budget and cashow.

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Speaker 1: Perhaps there's saving opportunities for you there. But I will

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Speaker 1: say this, your superannuation needs to be up there as

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Speaker 1: a priority. You have got to rebuild it, whether you

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Speaker 1: sell or not. You've got to pay attention to it.

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Speaker 1: You've got to get advice as to how you can

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Speaker 1: get extra contributions in there, if and how and when?

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Speaker 1: What is the most tax effective way, What is the

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Speaker 1: most efficient also get the financial planner to give your

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Speaker 1: advices to where it's invested. Make sure that that money

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Speaker 1: is working for you. Superinnuation is not a savings account.

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Speaker 1: Your superinnuation is an investment portfolio that is just locked

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Speaker 1: away from temptation and for your long term financial freedom

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Speaker 1: and independence. So speak to them about the various different

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Speaker 1: contribution strategy And yes, making a salary sacrificing strategy or

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Speaker 1: a contribution strategy may not be possible right now because

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Speaker 1: you're just trying to keep your head above water with

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Speaker 1: a mortgage. That is okay, that is perfectly understandable, but

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Speaker 1: as I said, it may not necessarily be this way.

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Speaker 1: You may be able to get a pay rise, you

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Speaker 1: may get a new job, you may get a bonus.

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Speaker 1: Make sure you use this money to your advantage, don't

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Speaker 1: just immediately go and spend it. And also get a

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Speaker 1: financial planner to help you find a way to create

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Speaker 1: balance in your life, where in your budget there's a

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Speaker 1: regular savings plan so that you can have those little

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Speaker 1: luxuries that are important to you. You can afford to

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Speaker 1: go on a holiday, you can have all those adventures

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Speaker 1: and experiences that you are really feeling like you're missing

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Speaker 1: out right now and craving because they belong in your budget.

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Speaker 1: But you just might need some professional help to go

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Speaker 1: through your living expenses and find a way, perhaps discover

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Speaker 1: where some money is being wasted and can be redirected

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Speaker 1: towards these things. And I will also touch on finally,

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Speaker 1: make sure your wealth is protected. You are a single mother,

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Speaker 1: you are looking after young children, you have a mortgage,

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00:19:48,920 --> 00:19:51,320
Speaker 1: make sure you have life cover, make sure you have

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00:19:51,400 --> 00:19:54,360
Speaker 1: TPD cover, make sure you've got an income protection trauma cover.

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Speaker 1: And again this is where you need to go and

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Speaker 1: speak to a financial planner and get some strategic advice

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Speaker 1: that is proactive, has projections, allows you to accurately compare

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Speaker 1: all the different options and all the different potential outcomes,

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00:20:07,080 --> 00:20:10,560
Speaker 1: and can offer as a great guide, mentor and beacon

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Speaker 1: of light as you try and navigate this stressful, overwhelming

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Speaker 1: and uncomfortable decision where I can sense a lot of

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Speaker 1: pressure is being put on your shoulders right now, so

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Speaker 1: promise me this. Whilst you go through all these things,

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Speaker 1: You're going to put superinnuation back at the top of

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Speaker 1: your list that you will pay attention to it, get advice,

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Speaker 1: ensure it's invested, and talk to someone about rebuilding your

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Speaker 1: super so that you quickly and easily make up for

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Speaker 1: any lost time in the meantime. Thank you so much

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Speaker 1: for being brave and open and vulnerable and sending this

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00:20:42,040 --> 00:20:44,719
Speaker 1: question into me as part of this start Here mini series.

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Speaker 1: I'm incredibly grateful, so thank you, and to all the

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Speaker 1: listeners right now. If you have any questions at all

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Speaker 1: or anything you'd like to contribute to this particular listener's situation,

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00:20:55,400 --> 00:20:57,960
Speaker 1: please feel free to share this as you leave me

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00:20:58,119 --> 00:21:01,119
Speaker 1: a rating and review, and again, anyone that has a question,

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Speaker 1: please feel free to reach out directly to me on

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Speaker 1: Instagram at sugar Mama TV or Canna Campbell. Officially, al right, everyone,

434
00:21:08,440 --> 00:21:11,160
Speaker 1: thank you for listening. I'll see you next. Jav