Finance

Smart Money Podcast: What Our Listeners Accomplished This Year, Part 1

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This text offers data for instructional functions. BaghdadTime doesn’t provide advisory or brokerage providers, nor does it suggest particular investments, together with shares, securities or cryptocurrencies.

Welcome to BaghdadTime’s Good Cash podcast, the place we reply your real-world cash questions.

This week’s episode begins with a dialogue about what Sean and Liz achieved with their cash this 12 months.

Then we pivot to a celebration of our listeners’ cash wins. So many listeners shared their nice monetary achievements that we determined to do two reveals. Make sure you come again subsequent week for Half 2.

Try this episode on any of those platforms:

Earlier than you construct a finances

Monitor all of your spending at a look to grasp your tendencies and spot alternatives to save cash.

Our take

You would possibly know what you need to accomplish along with your cash, however the journey to get there might not be what you count on. Whether or not you’re trying to develop into a home-owner or setting your kids up for monetary success or looking for a brand new job, consider inventive methods to realize your cash objectives. An adaptive mindset can open extra prospects for what you possibly can obtain along with your funds and in your life.

No matter what you need to do along with your cash, nevertheless, saving is paramount. Increase money reserves for emergencies and devoted funds for issues like holidays or automobile repairs can improve your monetary resilience. And past a financial savings technique, be sure you’re optimizing the way you’re saving for retirement. That may imply opening a Roth IRA to reduce your tax invoice in retirement.

Whether or not you’re saving for retirement, opening a financial savings account or getting a mortgage, be sure you know tips on how to store round for monetary merchandise. Perusing just a few totally different merchandise might help you’re feeling assured that you simply’re making an knowledgeable choice, and the corporate you determine to accomplice with might help you meet your objectives and displays your values.

Our ideas

  • Leverage your worth: The labor market is sizzling, so it could be time to barter for a increase or search for a higher-paying place. Extra money could make it simpler to succeed in your objectives.

  • Save, save, save: Boosting your retirement contributions, saving for emergencies and placing cash apart for faculty might help you construct monetary resilience — and it feels nice.

  • Store round: Regardless of the monetary merchandise you’re curious about, verify with not less than three lenders to be sure you’re getting the speed and phrases you deserve.

Extra about private finance on BaghdadTime:

The creator owned Dogecoin on the time of publication. BaghdadTime isn’t recommending or advising readers to purchase or promote Dogecoin or some other cryptocurrency.

Episode transcript

Sean Pyles: Welcome to the BaghdadTime Good Cash podcast, the place we reply your private finance questions and assist you to really feel slightly smarter about what you do along with your cash. I am Sean Pyles.

Liz Weston: And I am Liz Weston. To ship the Nerds your cash questions, name or textual content us on the Nerd hotline at 901-730-6373. That is 901-730-NERD. Or e-mail us at [email protected] Additionally hit that subscribe button to get new episodes delivered to your units each Monday. And should you like what you hear, please depart us a overview and inform a pal.

Sean: This episode, we’re doing one thing slightly bit totally different. As an alternative of answering your cash questions, we’re celebrating your cash wins. So lots of you shared your 2021 accomplishments, and we will not wait to hearken to them and rejoice together with you.

Liz: Sure, however earlier than we get in to our listener wins, Sean and I wished to perform a little bragging of our personal and share what we achieved in 2021. And Sean, you had a fairly large 12 months, so that you need to begin us off?

Sean: Yeah. I like to brag about issues that I’ve achieved. So I am joyful to do that. And my massive one is that I grew to become a home-owner this 12 months. And it was …

Sean: Thanks. You have been there for each step of this journey. It was a extremely lengthy course of. It took me 9 months from starting to finish as a result of I received a model new house. So it was a prolonged course of. It was additionally my first time shopping for a home, so I had to determine all the ins and outs of what it means to buy round for a mortgage, tips on how to get my credit score in the most effective form doable, tips on how to really feel OK eliminating all this cash that I would saved up for therefore lengthy. However I am actually pleased with myself for doing it and I like being a home-owner.

Liz: Yeah. And for brand new listeners, Sean really utilized with, I do not know, 8 billion totally different mortgage lenders, was it?

Sean: It was 5, however possibly felt like 8 billion due to all of the paperwork I needed to add and all the forwards and backwards I had between these totally different mortgage lenders. However as a result of I did that, I used to be in a position to get a really aggressive price. I used to be really in a position to haggle to get a few of my closing prices lined and I saved over a thousand {dollars} in that course of.

Liz: Wow. OK. In order that’s price it.

Sean: Positively. Yeah. 100%. However considered one of my most important takeaways from this complete homebuying course of is that you simply might need to get inventive to perform the issues that you simply need to do along with your cash and along with your life, as a result of I have been saving to purchase a home for a number of years, and the concept that my accomplice and I had was that he would purchase a home in Portland first as a result of he was all the time the higher saver than me to start with, after which we might take our time right here on this one home, I might save up after which I might purchase my very own home in Portland. By the point I had sufficient cash to avoid wasting for a down fee, I used to be not in a position to afford something within the Portland metro space.

And this was August of 2020. The world was on hearth. In Oregon particularly, we have been in the course of the pandemic. Issues have been wanting actually grim. Wasn’t in a position to purchase a home right here, so we thought, “Let’s look elsewhere.” So I ended up shopping for a home in rural coastal Washington, lower than 10 minutes from the seaside, which is a spot I by no means thought existed, not to mention was a spot the place I might purchase a home. So I dove in and now I am the proud proprietor of a seaside home, which is unbelievable. So I believe that if I had restricted myself to what I believed a home I might personal might be, I would not have what I’ve at the moment. In order that’s my most important takeaway, is get inventive to do what you need to do.

Liz: Once you wait, when you need to put collectively a bigger down fee, you do take that danger that you will get priced out of the market. Folks suppose they should have 20% down funds. You actually do not. 3.5% is sufficient, and typically you will get gifted the down fee. There’s first-time house owner applications that may assist get you right into a home. However you assessed the scenario and mentioned, “Hey, we now have one other various right here. Let’s go discover it.” So hats off to you for doing it.

Sean: Yeah. And if I had waited, I really would not be capable of afford my very own home due to the way in which the market has jumped. As a result of my home that I purchased, it was very affordable and effectively inside my finances. My mortgage is barely greater than I used to be paying for lease in San Francisco, should you can imagine that. However now, the identical mannequin home bought throughout the block from me for $80,000 greater than I paid, which I could not afford. So I am glad I received in once I did. That is additionally one other takeaway is, if you’re able to do it, you’ve gotten the cash and you’ve got your life in a spot the place you are able to do this, bounce for it.

Liz: And also you additionally did just a few issues along with your banking system, as I bear in mind.

Sean: Yeah. 2021 was an enormous 12 months for me, completely revamping the way in which that I handle my cash via my banks. I would had my account with my massive nationwide financial institution for a number of years, since highschool really. And I used to be by no means actually keen on them as a result of they appeared like a type of historically massive evil banks that you simply hear about. They’d cost me each time I used an ATM on prime of the ATM charge, which was by no means enjoyable. And out within the Pacific Northwest, there aren’t many of those banks round, whereas in Chicago, the place I am from initially, they have been in all places. So I made a decision to leap right into a credit score union within the Pacific Northwest, and I am actually glad that I did. I’ve my cash now extra targeted in my neighborhood.

In order that was one massive factor that I achieved. After which I additionally received my financial savings bucket arrange this 12 months. At first of the 12 months, I actually wished to have this technique the place I’ve X quantity going into my emergency fund, a automobile fund, a enjoyable fund. I also have a fence fund for my home now. And I lastly received all of it allotted. After I purchased my home, I’ve had just a few months of tweaking how a lot I’ve going into totally different accounts as a result of my finances is completely totally different now. However that is a part of the good flexibility of getting the financial savings bucket, as a result of you possibly can outline how a lot you need to go into every space and make that be just right for you.

Liz: It might really feel so exhausting to interrupt ties with a financial institution should you’ve been with them for some time, and it will probably take rather a lot to make you need to transfer, however as you proved, it is actually doable and it most likely wasn’t as a lot of a problem as you thought it was going to be, proper?

Sean: It actually wasn’t. And technically, I nonetheless do have my outdated checking account as a result of my mother’s checking account was linked to it. That is how I received it initially, again in highschool, and I gave her my cellphone cash for that, my a part of the cellphone invoice. So I technically nonetheless have it, however I do not use it for virtually something in addition to the cellphone invoice. And likewise I’ll say, I did not have any qualms about leaving this financial institution. I used to be leaping for pleasure once I lastly received my new debit card for my new credit score union.

Liz: Good for you. Congratulations.

Sean: Thanks. Nicely, so Liz, I believe that is sufficient about me. What did you do along with your cash this 12 months?

Liz: I did not actually do a lot that was new, so it was largely simply carry on conserving on, persevering with to speculate, persevering with to avoid wasting. I maxed out our 401(okay), which I love to do yearly.

Liz: Yeah. It is one thing that is actually, I believe, useful in getting the tax invoice down, but it surely’s additionally an effective way to clearly save for the long run. And BaghdadTime has one thing cool. It is referred to as the mega backdoor Roth. And what that principally means is you possibly can put cash in after-tax after which instantly convert it to a Roth IRA. And BaghdadTime even made this computerized. Now it was, I needed to name up our 401(okay) administrator and ask them to do it. Now it simply occurs. So for people whose revenue is excessive sufficient that they can not contribute on to a Roth, this can be a nice method to get cash right into a Roth.

Additionally for the primary time in a very long time, we will do an HSA. In order that’s a well being financial savings account. We will go along with the high-deductible well being care plan. And we’re not a type of households that hardly makes use of well being care. We use a ton of well being care, however we realized that if you’re certain that you will meet the deductible, which we’re, then an HSA can really be just right for you, a high-deductible plan with an HSA.

So for individuals who do not know, the well being financial savings account provides you a tax break for the cash getting in. You’ll be able to make investments the cash, it will probably develop tax deferred. You do not have to take it out, and it may be type of a supplementary retirement fund. So whenever you take the cash out in retirement, it may be tax-free.

And I’ve all the time preferred that, however I’ve by no means actually preferred the high-deductible well being care insurance coverage plan.

Sean: That is a straight off.

Liz: Yeah, precisely. It undoubtedly is. However we type of seemed via and did the numbers and went, “You realize what? This 12 months it actually is smart.” So we’re not planning to make use of that cash to satisfy our deductible. I’ve really received one other financial savings account for that and I am hoping to simply let that cash experience and proceed to develop. And if this does not work out, I will let .

Sean: Yeah. You’ll be able to all the time change it for subsequent 12 months.

Liz: Precisely. Yeah. It is type of an experiment.

Sean: I signed up for a excessive deductible well being care plan this previous 12 months, as effectively, and I additionally opened an HSA beginning in January, and I’ve actually loved it up to now. My concern was that I might in some way forgo well being care as a result of I did not need to should cowl a few of these bills. And since I had that in my thoughts, I believe I used to be actually intentional about it and I had all of the appointments that I ought to have had over this previous 12 months. In order that’s good. However that is a priority for some individuals, as a result of they do should fork out extra out of pocket, they won’t have that annual checkup, which might result in issues down the highway.

Liz: The primary time that we did this, I did not have the appropriate mindset for it and I did precisely that. I stored laying aside a screening that I ought to have had. And that was slightly scary to me, which is what made me not need to do this sooner or later. However when it got here round once more, I spotted what’s going to assist me is definitely setting apart the money in order that I do know it is there, it is devoted to that objective. I’ll use it, after which as soon as the deductible is met, our medical health insurance kicks in and it is really fairly beneficiant. So I believe it will work out for us, however I will let on the finish of the 12 months.

So the one different massive factor that occurred was my daughter going off to school and we now have …

Sean: Which is a big factor.

Liz: It is an enormous factor. And the enjoyable a part of it was making an attempt to determine what finances for her could be. So I did not really need her to should work the primary semester that she was there. I labored like 3, 4, 5 jobs each semester I used to be in faculty, and it was an excessive amount of. So I need her to have a job, I simply don’t need her to be working across the clock. So determining a finances was slightly little bit of a give and take type of factor, but it surely appears to be figuring out, which is nice. And once more, one other shoutout to the 529 faculty financial savings plans. It is a load off my thoughts to know that that cash is there and ready for her.

Sean: That is what I used to be considering as we have been heading into this phase, is that it’s not what you probably did this 12 months. It is what got here to fruition this 12 months on your daughter. You have been saving on your 529 plan for years and years and years, and you may lastly use it, and what a aid that have to be.

Liz: Nicely, I’ve received to verify my privilege right here. We even have a really beneficiant grandfather who’s concerned on this combine, so he is serving to enormously, and never all people has that. And with the ability to give our daughter the reward of not having to have an enormous dose of scholar loans is big, however clearly only a few persons are in that lucky place.

Sean: That is nice. Shoutout to grandpa for serving to with that. Sure. Nicely, I believe that we now have yammered on about our personal wins sufficient. Let’s get on to what our listeners did in 2021. All proper. And this is the primary listener win.

Listener 1: Hey guys, I’ve had a extremely nice monetary 12 months this 12 months. I’ve completed a variety of issues that I had by no means completed earlier than. I opened a high-yield financial savings account, and I’ve a number of totally different accounts inside that, and I’ve cash put aside in my emergency fund and for my home and for my canine, after which a enjoyable fund, which is type of for journey and issues like that. And I additionally began repeatedly contributing a proportion of my revenue to my retirement fund and placing it in a Roth IRA. I am self-employed, in order that hadn’t actually been one thing that I would been on prime of till not too long ago. I have been budgeting fairly effectively and have sufficient room for all of that financial savings. So actually enthusiastic about what I pulled off this 12 months, and I type of wished to share it with the world. Thanks rather a lot for all you do.

Sean: Yay. I like all of those totally different financial savings buckets. That is so thrilling. And we discuss it a lot on BaghdadTime as a result of it’s such an efficient method to save for a lot of various things directly. Whether or not it’s a canine or an emergency or a trip you’ve gotten arising, it will probably make it so easy to avoid wasting for all of this stuff.

Liz: Sure. And people financial savings buckets are so useful in ensuring that you simply put apart the cash and do not contact it for different issues.

Sean: I believe I’d take a web page out of this listener’s e book and begin a pet financial savings fund. That is one thing I should not have, since you by no means know when your cat or your canine will eat one thing mysterious on the aspect of the highway and have an emergency that requires a number of hundred {dollars} to repair. In order that’s a extremely sensible thought.

Liz: Sure, it completely is. And I am a fan of pet insurance coverage, but it surely’s not for everyone. And even whenever you do have pet insurance coverage, it’s essential to have some financial savings to satisfy the deductible. So, nice thought.

Sean: We have to discuss extra about pet insurance coverage within the new 12 months. I am additionally joyful to listen to that our listener is saving with a Roth IRA as a result of they’re self-employed, however as a result of they’re self-employed, they’ve tons of choices, as we have been entering into extra not too long ago on the present. So Liz, what do you suppose they could need to look into for his or her retirement account choices?

Liz: Nicely, that SEP IRA might be the simplest one. And the more cash you make, the extra choices you would possibly need to verify into. Different choices, like a easy and even solo 401(okay) sometimes require extra setup, and so they require extra ongoing expense. So the SEP is a good place to begin.

Sean: Simpler is healthier, and sarcastically, the straightforward isn’t the best. In order that appears to be the way in which to go for lots of people. Nicely, let’s get on to our second listener win.

Listener 2: Hello, my identify is Ryker from Wyoming. My massive win for this 12 months was I began a brand new job this summer time and maxed out my retirement accounts after which went giant into cryptocurrency simply to see how that might play out, and my largest one being Sandbox, and that has labored out fairly effectively as of not too long ago.

Liz: Oh, I like that Ryker maxed out retirement first, however I am slightly involved about going giant into one thing that is so speculative.

Sean: Yeah. This 12 months was big for crypto. A latest CNBC survey discovered that greater than 10% of these surveyed have been invested in crypto, and 65% of those that have been invested did so for the primary time throughout the previous 12 months. And I’m amongst that group, regardless of not being included on this survey as a result of I received into Dogecoin very early on this 12 months, and it was one thing that I would heard about on-line. Now it is just about mainstream. It’s nonetheless, so far as I am involved, an entire joke, however I perceive many individuals are actually curious about it as a result of my preliminary funding of $70 into Doge is at round $1,500 on the time of recording. In order that’s an enormous return, however people who find themselves tremendous into this neighborhood consider it as an precise forex. I am not utilizing Doge to purchase ice cream across the nook, but it surely’s type of cool to look at. It is a enjoyable new rising market, I suppose. However once more, it’s actually dangerous, actually unstable, not a alternative for a complete funding technique.

All proper, let’s get on to our third listener win.

Listener 3: Hello, Sean and Liz. It wasn’t what I did, it is what my children did. My children each began a Roth IRA. Sure, at 20 and 23 years of age, they began their first Roth IRA. I inform you, it was exhausting for them to let go of that cash and see it disappear, and I say, anticipate the following 50 years, you’ll be rewarded drastically for this. So that is what we did to assist our monetary success for the long run. Thanks.

Sean: This listener is so proper. Their children are going to be rewarded drastically for beginning to spend money on a Roth IRA as younger as they’re. I like to listen to about younger adults making the most of their expansive time horizons. So you need to be a proud mother for certain.

Liz: An early begin is twice nearly as good as a late begin. In case you begin in your 20s with saving for retirement, you possibly can accumulate twice as a lot in comparison with beginning even 10 years later, and you may double the benefit once more should you get began in your teenagers. In order a aspect be aware, we matched our daughter’s earnings and put that cash right into a Roth for her. So if you’re a dad or mum in search of methods to get your children began on the appropriate path with investing, so long as they’ve earned revenue, you possibly can match it as much as the utmost Roth contribution and put that cash in there for them.

Sean: And the flip aspect is that me beginning my Roth IRA at 30, I did that this previous 12 months, I’ll now have half as a lot in comparison with our listener’s children. And I received to say, I’ve received some FOMO, so I want I might have these years again to construct this cash up, however that’s so cool to listen to. Nice job.

Liz: Any begin is nice, however the earlier the higher.

Sean: Yeah, precisely. Prepared for the following one?

Listener 4: Hey workforce, you requested me for my largest monetary accomplishment of 2021, and for me it must be, I received a brand new job and I negotiated a 16% increase in wage and I additionally negotiated a $10,000 signing bonus. And earlier than this, I had by no means tried negotiating, however I heard about it in your podcast and I figured I would give it a attempt to it labored out nice. So thanks. Carry on conserving on.

Liz: I like this. Not solely a pleasant substantial increase, however a signing bonus. That’s so cool.

Sean: Oh yeah. And now is a good time for staff to barter wages, particularly in the event that they’re beginning a brand new job. We discovered that wages really elevated from July to September of 2021 at their quickest price in 20 years. So given the good resignation and the truth that lots of people are shifting round what they’re doing with their lives and their jobs amid the pandemic, proper now is a wonderful time to start to haggle for larger wages.

Liz: The bottom line is doing all of your analysis beforehand. You need to know what different persons are getting paid for jobs much like yours in your trade, and also you need to focus in your accomplishments and why your work is deserving of a increase.

Sean: And it is also, once more, after you do that analysis, price having that dialog, as a result of lots of people simply do not do it.

Liz: So earlier this 12 months, we talked about negotiating a wage. And among the finest bits of knowledge was that the one who has extra data must be the primary to call the determine. In case you are asking for a increase, the individual with extra data is actually you, every part it’s essential to know. In case you are negotiating for a beginning wage with a brand new job, sometimes you need to anticipate the employer to make the primary provide as a result of you do not know sufficient concerning the place.

Sean: There’s just about no profit to bluffing if you find yourself negotiating a wage. You need to have the details and figures to again up why you’re asking for as a lot as you’re or anticipate the individuals who would offer you the job to place forth what they suppose you could be price. And that is when you possibly can counter and say, “Nicely, really, primarily based on different individuals working the identical job elsewhere within the economic system, this is what I believe I am price.” After which you can begin the dialog.

Liz: Nicely, let’s hearken to win quantity 5.

Listener 5: Being a full-time freelance musician and having my total trade shut down as a result of COVID, it was a particularly scary time, a time that I believed I used to be going to be completely destitute popping out of it. I believed that I used to be going to make use of each BGTIME Reader that I had squirreled away, which isn’t a lot. And as a substitute, I paid off virtually $15,000 price of bank card debt. I grew my internet price by about 600%.

Clearly, it sounds extra drastic when you did not have a lot to begin with after which have rather a lot to develop. And I’m presently working to purchase a home in the future. I am excited to proceed to remain credit-card-debt free. I do have scholar loans, however fortunately the rates of interest are fairly low on them, and I can proceed to make my funds and never really feel like my world goes to utterly get swallowed up. And I am excited to have a future and have a retirement. It is one thing that is very uncommon. And fairly actually, it is scary to listen to what number of of my colleagues haven’t got a retirement fund, particularly being freelance musicians, contractors, by no means realizing how a lot cash we will make week to week, month to month. So yeah, these are my wins. I hope that this evokes others, particularly on this very unusual area of interest world that I am part of, that it is doable to make higher decisions and it is by no means too late.

Liz: Wow. This can be the good underreported story of the pandemic. It has been so exhausting for therefore many individuals, however I do know quite a few people who lastly received forward, due to expanded unemployment advantages and the pause on scholar mortgage funds.

Sean: We noticed a variety of bank card balances plummet through the pandemic as many people did use their stimulus checks to get out of debt, and in addition many directed funds that they might’ve spent towards debt payoff. I believe our listener’s response speaks to how a lot alternative can open up for you whenever you do get debt-free. Now that they’ve gotten rid of that massive sum of bank card debt, they will start to consider different objectives like shopping for a home, which is so nice, and saving for retirement as a result of that is actually vital. And as additionally they talked about, it is scary how many individuals usually are not actually saving sufficient. So it is good to be taught classes from different individuals’s errors, which is one thing I am very keen on doing, and work to get your self up in an incredible place. And I am certain it will encourage many different individuals like them.

Liz: We discuss monetary resilience rather a lot, and that is the start line. Upon getting slightly bit, you see how precious it may be and also you need to construct extra. It isn’t all the time doable, after all, however I actually hope this listener takes this nice begin and continues to construct on it.

Sean: One other factor that I wished to the touch on is the concept of internet price. That is one thing that personally I’ve probably not thought or cared about a lot, most likely as a result of my internet price is unfavorable given my scholar loans and my mortgage, however there’s some worth and understanding in constructing your internet price. And Liz, I do know you’ve gotten robust emotions about this.

Liz: Nicely, it is really one thing they educate you in CFP college. It is one of many very first issues that you simply do with a shopper, is you discover out what their belongings are and what their liabilities are, and you then monitor that over time. And as soon as that quantity, you will get extra invested, because it have been, in wanting to construct that. And actually, Sean, I would be shocked should you really did have unfavorable internet price, as a result of your home has fairness in it. You have got a retirement fund. Even should you do have a variety of scholar mortgage debt, you most likely have eked your manner over into the optimistic territory. However even if you’re unfavorable, that is so frequent in your 20s. So it is one thing that you simply construct over time. It isn’t going to occur in a single day. However upon getting that quantity, you are inclined to need to make it improve. So it is a good factor to know.

Sean: For me, as a result of I’ve all the time had a lot debt with my scholar loans and now my mortgage, I believed that it was extra of an arrogance metric fascinated with your internet price, however it will probably additionally encourage you to create a aim primarily based on bettering your internet price.

Liz: And it will probably get you critical about paying off a few of that poisonous debt like bank cards, you probably have it. And likewise it reveals you, in very concrete phrases, what occurs whenever you make investments. Once you put cash within the inventory market over time, your internet price is rising. And similar with shopping for a home. Usually over time, the fairness grows, and that helps your internet price. So it makes you slightly bit extra leery so as to add debt. It makes you slightly bit extra curious about including belongings.

Sean: What do you suppose is the simplest manner for people to measure and monitor their internet price?

Liz: You are able to do it with a spreadsheet. There are additionally a variety of budgeting apps that may assist you to. And naturally, BaghdadTime has an app that may assist you to monitor your internet price. It actually is an efficient quantity to know.

Sean: Retaining that in thoughts for 2022.

Liz: There you go. Your to-do listing

Sean: And that’s all we now have for this episode. We had so many wins that we are literally doing an element two of this episode subsequent week. Within the meantime, name or textual content us your cash questions at 901-730-6373. That is 901-730-NERD. You may as well e-mail us at [email protected], and go to nerdwallet.com/podcast for more information on this episode. And bear in mind to subscribe, price and overview us wherever you are getting this podcast.

Liz: And this is our transient disclaimer, thoughtfully crafted by BaghdadTime’s authorized workforce. Your questions are answered by educated and gifted finance writers, however we’re not monetary or funding advisors. This nerdy data is offered for common instructional and leisure functions, and should not apply to your particular circumstances.

Sean: And with that mentioned, till subsequent time, flip to the Nerds.

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