“Should I aggressively pay off debt — or invest more?”

Today I received a Conscious Spending Plan from a single person in their 40s with an 8-year-old child. [Podcast Newsletter Header](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3kFW3wVLYx4NBvL4N319SGW7l1YxW14LwSd6rWgQdW65ZC5l47LG4qW8CZsGy5bFqLyW3kx3p542_2QMW3JGFzl7hMDVhW3wBNyL1DwRCmW37fmgp57vbdqW1LkXtk1sxKlxW8gsdhd86NmKxN1BQ5wbRHlQcN8vG06_P2BQfW5GcGk234hssqW4Mc4t53nrf4GW4G60xW3spgdDW7g2jgt66MVGpW8HzKlB76hb0PW5xwpC45KHrJjVHcBw15CNfRsMHc-lDykXZ7W7G90hZ3cY7rFN5yqck7JhBHwW8zBb2z4W3-rzf4JS-SP04) {NAME}, Today I received a Conscious Spending Plan from a single person in their 40s with an 8-year-old child. Their primary question: “Should I aggressively pay off my student loans — or should I be investing some of that money?” Let’s see what we can find out below. Do you have “high standards” for finding love? I think my friend Matthew Hussey is one of the best thinkers on finding love. For example, have you ever been told you’re “too picky” or “your standards are too high?” But aren’t we also told “don’t settle?” There's a tension. So what are you supposed to do? Matthew just wrote a book that helps people understand the right things to have high standards around — and the wrong things. I opened it and was hooked on the first page. [Love Life books image](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3pdW8Fdtt64bNKrNW7Rfcks2kG3BhW33Nf4383Y865W1nTzNj8g0LKRVqY_hm8Cqxk-W1WHX_K6qBKkLW5p441v2QSswQW3SCbvs8GFMt2N3jsyJy35PY6W2hJfJ28dM0xgW78NyWR8y84SSW8FMZGM4swfZQW7F2RQd6svw1vW1zfJzy2Ty-8-N14cJ_6qxvDnW3_TybF9hc41KVJvV8Z9bB9K8W5PY9mX78HcP2W3kZLHT94FMR_W3y2glz5f4Pn0W5Z90d46WTJlJVXVDgP7TQWvwW4JcLq635R7-ZW99fmQF9k5r6yW9kdhlW2q63dTW2Gfzcr50RjVBf4M6P9F04) Love and money have so many similarities. Your Rich Life is yours, just like who you choose in love is deeply personal. And you have to know what your vision of love is. Most of us love the idea of having high standards, but why doesn’t anyone talk about if your standards are for the right thing? For example, a lot of people have high standards for finding someone who’s charismatic, but in the book, you’ll learn to consider different standards: Are they a great teammate, do they anticipate my needs, do they see me? Check out [Love Life by Matthew Hussey here](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3l5W7pbkD56L2rzGW7_Rbc42w8YQ-VL7Xvx1cW_vbW6Z2ZmF5lm8x0W52MZrg7d9vZhV-jdg41CkfLpN7xq5JzGNK3lW3w8C_-5LysM_W2Cs_DN3KpNwPW53SqG_5SyhznW73j9645VCcKnW6XNWkn3clcY4W3C7Rlt197Z4KW3VVW3H8qyxCCW7H72xN2J6Zd1V4h1qV4BplscVfb5Xl97GkKcW14w2xT7MlJ2fW9j4Xht6skwzVVr9dHR3YPr0xW6xs5Pf5WNRpxW4gDzz_4DPW8xW1BMQ658FXVpYW6ndZ-w40t0DNW5tLywV8mphg0W1Z8mJL1KnbzXf4QHZcY04). It’s written for single people, but as a married person I’d still recommend it. Check out this Conscious Spending Plan Recently I received a CSP from a single parent in their early 40s. Here’s what they shared with my team: - I am in my early 40s and have an 8 year-old daughter. - I am maxing out my 401(k) and adding $250/month to an IRA. - I want to have my student loans, which is the bulk of my fixed costs, paid off by the end of the year (Dec 2024). After they are paid off, then I will start investing more of this money. I just want to be debt free. - Should I be so aggressive with the payments or should I invest some of the money??? - My student loans have a 6.55% interest rate. I have $55,010 left to pay off. I pay $1575 per week on them. Since I'm on the income-driven repayment plan, there is no minimum payment required at this time. Let's take a look at their CSP… NET WORTH $ Assets (current value of car, home, property, business) $5,385 Investments (include 401K, non retirement — all investments) $53,350 Savings $18,189 Debt (students loans) $55,010 TOTAL NET WORTH $21,914 INCOME Gross monthly income (all income before taxes added up) $17,003 Net monthly income (how much you take home after taxes) $11,506 FIXED COSTS (50-60% of take home) 91% Rent / Mortgage $1,350 Utilities (gas, water, electric, internet, cable, etc.) $345 Insurance (medical, auto, home / renters, etc.) $304 Transportation $100 Debt Payments (I have no minimum payment. I overpay intentionally to payoff loans by December 13, 2024.) After this, I will invest 75% of this monthly) $6,300 Groceries $450 Clothes $50 Phone (3 phone lines) $146 Subscriptions (Netflix, gym membership, meal services, Amazon, etc.) $26 Miscellaneous (automatically adds 15% for things you forgot) $1,361 FIXED COSTS TOTAL $10,432 INVESTMENTS (10% of take home) 3% Post-Tax Retirement Savings (I'm maxing out my 401K with employer match) $250 Stocks $0 UTMA (for my daughter) $95 INVESTMENTS TOTAL $345 SAVINGS GOALS (5-10% of take home) 3% Vacations $104 Fallout (Emergency) Fund $250 Add your own here $0 SAVINGS TOTAL $354 GUILT-FREE SPENDING (20-35% of take home) 3% GUILT-FREE SPENDING TOTAL (Dining out, movies, anything you want!) $400 My thoughts This is an interesting CSP. Here we have a person in their early 40s and with an 8-year-old and their primary question is, "Should I aggressively pay off my student loans or should I be investing some of that money?" Let’s jump in. Net worth - Assets are $5,000, so we have a renter here, which is totally fine. - Investments at $53,000, okay. Already suggests a bit of a yellow flag. If this person makes $30,000 a year, this would be impressive. If they make $100,000 a year, that is trickier, because in your early 40s with $50,000 invested, you don't have as much money to compound, nor do you have as much time as someone in their 20s. - Savings at $18,000, it's interesting. Again, $18,000 could be good, but it depends on their income and their fixed costs. But the ratio of savings to investment here is unusual. Usually people have far more investments than they do savings. - Debt at $55,000. Ok let’s check out their income… Income - Whoa, they make $17,000 gross. That's $204,000 a year. This already puts a lot of things in perspective. - This means that their investments are way lower than they should be. Now, it's possible that this person just got a huge salary increase, but people typically have more gradual salary increases. They don't usually go doubling, tripling their salary, unless of course they use our [Dream Job program](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW343qn9gW8wLKSR6lZ3nWW10RNkr9lqZdsW8S9YR47DQZqPW9fp3mR2qjL1rW3wrThv6yxGZfN6x2kGfJ0Rk9W5stJcF2NDvdHW8bXb883fCzQxW944zl18TBx8gN5gHRhY3Fd-BW5XRtSs3yjY9WW8SN15V7z4NXtMDbDDrTzFY-N3cXldmdkTZMW2LNvTp228LhWN5MXd6bfXPryW4nkz8G1fFWwKW34Bsxt8Pp5K2W2cQ8J18bqh0lW1cVbRt8MF8QwN725_pswMjlJW1WP0cr4xZ1G0W5-8D9b8zdgPZVb6pMK3vwPthW12-0KH6v18lyW2N-MxZ2l9tmpN9kVHV7PdhV7W6fkBvz2W9-qTW5JsDQz2c1pTNf8gksmK04). They learn certain techniques to get massive raises. Fixed costs - Fixed costs at 91%, that's a problem, but if we scroll down, we can see that this person is paying literally $6,300 a month towards their debt. - Okay, let me explain what's going on here. As this person said, I just want to be debt free. You need to understand the psychology of some people who just really, truly hate debt. And even though it may not be mathematically advantageous, they want to get rid of their debt as quickly as possible. I've learned that my job is not to try to convince them of the math, it's simply to show them what their beliefs might be costing them and then let them make their decision. Some people are literally willing to lose hundreds of thousands of dollars in investment compounding simply because they want to be rid of debt. It would be like me wanting to do anything to get rid of a $25 cheap iron from Amazon. I would do anything. Get that out of here and get me what I properly deserve, which is a Rowenta. - Anyway, $6,300 is pretty aggressive. I love that this person knows that their debt will be paid off in just a matter of months. Let's continue looking down before I give my assessment. Investments - Investments are at 3%. Yeah, that's because they have no money left. All their money is going towards debt, so they can't really invest. - I will say that this person did note they are maxing out their 401(k) That's honestly pretty impressive. I mean, at $204,000/year you should be able to max out your 401(k) but I just want to note that that's impressive to be able to do that and put this much money towards debt. Okay, fine. Savings - Savings are at 3%. Let's just quickly take a look. This person has $18,000 saved and if we subtract out how much they are spending towards debt, that would be $10,432 minus $6,300 per month. That means their fixed costs are $4,132. Multiply that by 4 and that's their savings. They basically have 4 months of savings. Not bad. I would like it to be a little longer with an 8-year-old but with the high income and some investments, this is okay. Guilt-free spending - Guilt-free spending is at 3%. I don't like this. I don't like this because it's highly restrictive. To be able to only spend $400 when you're making $204,000, this is a huge red flag to me because this kind of restriction typically leads people to dramatically swinging to the other end of the spectrum and overspending. They're like, "I restricted myself all year long and now I'm going to go wild on this cruise." I'd rather you give yourself $800 a month and actually stick to that. - Okay, now let's move on to my analysis of the situation. Overall - First off, you can't really go wrong. One way or another, the fact is you're making $204,000 and your debt — if you choose to continue this path — is going to be paid off in a matter of months. So you're asking a question that is highly tactical and highly time sensitive. - So you want to pay off your debt by December? Go ahead. It's going to be a tough few months, but clearly you’re pretty diligent with your numbers. You've proven that you're making a conscious choice. If that's what you want to do, fine. I'm less concerned about that. - I'm more concerned about what decisions led you to get here. For example, what happened that you’re making $204,000 but only have $50,000 in investments? Especially considering you max out your 401(k), which means you've only really been doing it for like a year and a half or two years. - There are two major issues here… - The first is I want you to make sure that you understand the terms of your income-driven repayment plan. As you pointed out, there's no minimum payment, but income-driven repayment plans also have certain stipulations about loan forgiveness. Now, some people are like, "I don't care about that. I just want to pay the debt off.” I suspect that's you. I just want to make sure that you are aware of those terms. - Second, I take a look at some of these things here and I go, "Could you simply give yourself a better quality of life by being a little bit less aggressive with your debt payment?" We had a podcast early on with Peter and Sheena where one of our guests, Sheena, had debt very similar to yours and she was paying it off super aggressively, but in the course of that, she was making herself miserable. She was unable to dream about things like their upcoming anniversary trip. She was causing herself and her relationship a lot of stress. One of the things I suggested to her was, "You could pay off your debt, but maybe ease off the gas a little bit. Pay it just a little more slowly, but you will give yourself a lot more breathing room." - I wonder for this person who wrote in, if you were to give yourself an extra $200, $300, $400 a month, just breathing room, might it change your relationships? Might it allow you and your eight-year-old to feel calmer for you to have a positive view of money? - In other words, pay off the debt, whether it's by December or whether it's by March of next year, it really does not make that big of a difference in the grand scheme. - My next major point to you is that it will become very important for you to start aggressively investing. The fact is, being in your early 40s, having only $53,000 invested, particularly with a $204,000 salary, is a problem. That means you have been underinvesting. - The good news is that you have a plan. You told me that once you pay off the debt, you're going to be taking about 75% of that and you're going to be putting it towards investments. That's tens of thousands of dollars a year. Perfect. Make sure you calculate how much that's going to turn into. - If you truly continue doing that in your early 40s and you keep that up through your 50s, you'll have a lot of money. But I just want you to be sure that it is very important, the success of this plan depends on you investing aggressively. - Overall, pretty interesting scenario here. I want to thank you for writing in, and please let me know what you decide to do! What would you do if you were in this person’s shoes? [Ramit Sethi Signature] P.S. New podcast: “The world is going to end, so why bother investing?” This was one of my most emotional and eye-opening podcast conversations yet. Check it out [here](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3npW6Kk8Ng2yYrl_W2f9-NC1MnLSZW5sJZdM2CPWVsW4Nvl9P1j5wd8W8_v3Bn49Y8h6N8lZpKXjX6tPN5xBp7N-m2cSW4DR0Km36K3K4W3QXDj57zcXfMVT0SRX7j6NmTN33WRdjZxFnqW2MB_Z_8lJx_NN6z-6dvCDRvXW5MlChT5nn3vtW37MN-r8NnX1rW53nYbZ2r0tgrW5VYCB57tRld5W3f5h8D94NTxrW99dCMY6M_qfBVl1zZm5fk6fVW13rnVq4rjL-BW5PLMG862_kY_W7cvZPn5_G8-xVf3YTN53fpTGMST92Wl8CP0N784YTLnvDxVf4nV_W404). [Podcast-The world is going to end, so why bother investing?](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3q2W5m4t1k7m04QgN62RR3pCJtrqW100lnG8Rf00DW7f1Gbx3P3FpNW6z2t6x8HFk5VW2b-1dl8rs6_5W2G1nWJ1M9mCgV5B3sc60fZMSW3cXFn53Vrx1dW7Z40jF7sm0C7W7yhXNf72f-W2VNh1pP59MvdwW4bNNfX6lRK6yVyJ6Y068-6KBW508v_r8jgtdLW8P4lwd2q-Ym9W3zfSd25VmkngVMtpW_8CZLxJVgxFqd5hTVcFW8LX5894NfZkcW530R_58T48FxN7VgFBmCNjsMW6TJs_S1FX7jYW2yrW0R6Pn2R5Vjryhc1FhglmW7QwTnJ2dGt3Ff1pMNMx04) [Programs →](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3pPV-vD-r16p4Q4W8FZx4q8BGY7LW6GGF-y2gyP08W6zlWCt4J9JNpW7-KLZH5PWWRvW90G_3L5Z6SGkW697VRG1pclm_N4nWpGbbvdQgVTSx-D9gvXHGW3q3h-F49-HFtMqLgJysp-jdW4fv8K17NZx1ZVT3NSr4CsdzXW2BmNmg6tvw9CMGQ1FcXg2VMN5ctMS3LPcFyW4fWX0T6B92TKN6DfyXFwZv1dW6yQ03G3vd2QyW6wltwq4ndhrnW7j7Q493kdsf1W5QBcT27DYB5YW8KQzMZ7fksK8W4_2BLq6WlZVlN12G7p6WpcVCW1Dc9R07sbLG5f4j4Lrb04) [Podcast →](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3lMW8dnV5486MPfrW3mgH6n2r-9FqW60F1Tf5XXbBzW5hdYDf2Vb70FN45bYFBYdFVlW5cKhpB4C-nH9W5fJX3d2jKCK6W6JhXC24b6bWlV-YV9G2cmWb9W6mfljv17fgplW43lFRn3DfPN8W5zjHt97qcTYqW49hMK-7mmc1BW1MP02t2nV8xcW6BfL2N1sj7W0W6Z-nQN8yfV2VW2vvQwY6b4wZMN6-zQmcFxyQMW25dM5Z38KKbkW9gP6PG3dD7P7Vvkmc95Ch7DnW71Zxgq39WJd1W1W37gc4p3v4fW468C-451lRdkW4ZTShQ3CWqD5MC_DpC3Fl2Hf548m8404) [Netflix Show →](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3nBW3nQgc76vS-d0W3ySRmK8b-5KzW274cCv5wXkyqW7V5zw7102shJW1JChQ65rPkttN7k1kz03zPCLN3JDGv1Lb947VHGx-m7ds7_pVYrLkv7tx49fW6kwlZb3mKkfkW57F8mR6zntPJW6Xbc705T5Jn5W60-Xkx7_y6qCN2qNnTQx8w3WN87628Q_vHGMW1-hK7X21ZpR0W6gMlkz3Ln0JzW4DJYhR5f65wjW5rkdSH5WRpF0W9dcNPQ2kl0xQW4z1RLG4KkP-DW8PYPBR6MCD2WVNZ7-f6jZKRkW3NM1Kn8HkfxfW8BNS9X1T2tQzVFZR6k52SsFWf9kk2sC04) [Books →](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2P3qn9gW7Y8-PT6lZ3ldW95KL933t0qtkW3fRYSs9k4_dpW3Hb0p62fGwHwW1w6_5p6rMvfDW9jgcF58YsKrSW4nJmCx89xB9yW2xfrvD6cjKB2W7h_gm38qnr1ZW5CNbdh4GgK5rW5g2wrN2TGn4rVznh089dgSsFW6d8V-B18sfgTW47Mwbt7MsC2dW9bt-gs8XRS1BW5ZK_fg6fypNcW5QP51m1vdbZFW3bstKj7Sngh-W9465wF2tgY7RW1dKVH71T2Rm-N1KD7KLmvPwLW2tKY5P3vTxyfMXk3s423QLnW6YkfTC85Wht1VF82Mg1Rrpc0W3YNRLw7Fcs7zVXpTPk552w1-dkQCj804) [Website →](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3nrVvKwQT1mBzT2W4q8s4d1yXcLrW23V0-B6Mb-R7W5fjMFB1Fg7fbW2LMBh96zfX1-W6vS_xG7qDz0LW5WXZ6x6mmvs3M6lmhVtvM_KW2LKwDm6pKg4yN1Hqwlq6RhyPW63zfxK5GktwCVtXLHn5WZsLyW3Zyzdd6hCTwZMrTCXDR1dC2MRGz5jrktGWW2PPT9P2L7vZLW6LjVqb203P5vN41cM6-Qkdd2N49QgnJgRmTZW6xy0MX1651Z5W2wJlDD8Gj_SRW4CMNNM8Z_Ck4W2GKGW23BySfPW6CGbRM4pSvSNf6lvKhT04) [Instagram](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3pgW4Xz9Dh7-_7D3W7JyBq28WvMHjW2M_-YZ53Td0BW237Nsp6kv9YzW46QjTP4SFCDTVcwhJQ5DwJMzVfMx1g3MzpPfW2HFM1C3bcydHW5gsSL-57tptfN7VRrkqbckw6W6m33Ts7-9c0RW8PGnCx6B2kJqW5lfvPj40cQhJW5PJG6-3yRtXLW52VCFw6Lkr-NW1-wYw44nmtHTW3bNtr07z2jsrW6h8DgK8H-mHLW5qpX9K7R2GqWW55KV4l77NfmVW3XTWM-97pk9vW9jHzlC5YM7ZSW5cpclM1KdrFFW6kH1Gt8_8-1lf3FC4KR04) [LinkedIn](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3q3W8QXrZc63YMqlW4BV17_9lg1TfW3jzWWs2kc8PyV7HJ9245SHlmW3BrJN48_SQWxW1Gm4Gx4tQSM5Vj3yxz3nQcCrW3XwlRN1xlDHBW11xYTV6h5fLFW3fhSrv3xkd7mW16PbCK3mhpBfW5J-vl185M7rWW3nVBkT2Vy3-jW2SfmQ22071Q7W4sVjmv3hbtJ1N66gC7r5rpKjW27vx8G5Khqf2V2ChY66DPjNfMxg67syWP--W2M5Nt13c_d6VW2MYLcJ98q7HBW2glMtL4VFHchW2NnjPD66Y10tW1dfYFw4n-vKsf2mK73F04) [Twitter](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3pHW7jZCy96nrSJQW9jnxB184XXr4W4JhYh64xVJ0XW37-l8t8T5_4zW46d0hq63tP7jW5PHZYw4JntLkW6lfZ_p8VZ0lyW8SswW_6qrsQpW90NXcK8VC1lyW8XsdK52VVlLFW129wZH3JFhz1W12V8_Q8mYlxFW898WZF4t6_rbW4TWNYb1SSwMDW57HD_14X058KW5Ftmq944Gbl9W520CWZ1fmzWHN99VJRW4vrShVxDMMs2nQW26N61dFYrbQzHWW4qvqBF3lvL6yN83jJ-4gczyrW66DxVj2yrCR4W7YZbkV6mm1Yjf4VWCGT04) [YouTube](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3l_W1Z1yFM8vyWRcW1D3tsD2lKjvkW2YDBXq7gsCSFW5Cd1XD3BtmGrW2d4cqd4tTGmlW8c05JJ42-5RhW8p8D3H7CrPn0W2C2mdX9c7yLYW7-2X7x1ThrN-W8Wb0cL1t4cN3W6J_jV68njl4dW6LbW1H8TFcXDW5L5DPz1xGZPnW3D1jt644BmPJW1zYKF34wK9PTW74PcwQ7lM8fSW8l-3PV5jgPwGMjH4VxwsfS3W8QCYV_1mdl0LW3JX9v94CmZ1bN8s-ZzFt25_dVbfp5s3Rfk-BW7Yfns23HSnCtW4pJwLz5MjYJ9f5kLfz004) Was this forwarded to you? [Sign up here.](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3kSW6Zp5PN1sC1k8W1g9x0w7K_ywBW950KsV1Gm5LLN419hfPbByL9W2BnBbx3rCbv4VB5c801sgRswTZmBZ8lW0dSN3Wq3pMC5818W2sn6Jk4_TNLQW5z6-TB1b2bPsN98yl3MTk9QBW56CBT68LJ9VNW7dX0ZW2rPJSXVLf0zy8YY-wgW7cwrB34TYBlxW1L1ykp88z57SW1RYQNS4PNRW4W5mDG6r6TnDxyW4-3x6_8Y3QPBW1tXhfJ6vP188W5WCg7Z28GSkPW2KzT6j3t0RF9W8FR09m712m4sN50P9DJRGRzLf3JWZ-R04) [Unsubscribe here]( [Manage preferences]( I Will Teach You To Be Rich 548 Market Street #89946 San Francisco, CA 94104-5401 [20th Anniversary Badge](113/d586LZ04/VVxcxj6gH08xW2yxnFn8Wj3g1W63xJzN5d6zsMN7TcW2v3qn9gW7lCdLW6lZ3kFW6JnrLs22JNc3W76xtnp8gGRFfW7HfvMp1pbf0VW4FDX0P2Nz_mTW4s_zvY8ZWmdHW5vxY1d7xSgHMW62yVYz2RQdBQW7jjVyt8vjgP_W4JPsMd1slPpFW5qSsFv1VDXVHW8flHhh30Xq_pW8mZKLC3qDP45VPsYSC7fC6lqW5hBxnJ7V8n_RW8x-lBc1zMj72N4SYQPx7T4qRW5S0xQs5KvPdpW4Vplv28-ysPzW32nBMR2RTfd5VSf4f32yRN53N65cBPKhgPf5MqBrVmhh5mKW2ybpB27hmq3ZW91PXg117h2GVf6989x404)