“Can we afford a $1M home in NYC?”

This week, I’m analyzing the spending of a couple in their mid-30s in NYC. [Podcast Newsletter Header](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3lbVr2f1365ccbdW5M--FZ7j2wm0N2vBplwQQcnNN9jrdjX5yXZQW1qBZhQ23VzxlW3ycv_f4JMcTrF3YfFPKNjgQW7r7Kl04_0ZCTW2gx08q2fYk-VW72l0Rj4Dl3JPW3PJ-mJ9149RDW82QN4k83Skf2N4stdcmbsYwXW8Ys6S335V2MlW7BCJvk3BjhJWW60_y9g5R0lXZW5FVhk-3HK-czW5NpwcM24gRDjW91Qvll84C9MlW7Bhmc68lyhgTW6TgVKv7bS82PW3SdMk64pFKYsN96qFHhT5nRtW2wnP-Q4lbt-Qf3Nx29204) {NAME}, This week, I’m analyzing the spending of a couple in their mid-30s in NYC. They wrote to me: “We’re both in creative fields and HUSTLING to make money; we both have full time jobs and freelance nights and weekends. WE ARE TIRED! We’re renting a shitty 1 bedroom apartment. We’ve been living below our means for 15 years because we wanted to someday own a home. This dream feels like it’s slipping away. Can we afford a $1M townhouse in NYC?” I chose their Conscious Spending Plan because it is a great example of what happens when you get so tunnel vision-focused on something that you don’t stop, zoom out, and really think about what you’re doing. Let’s check it out below. Paid client of Betterment. Views may not be representative, see more reviews at the [App Store](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsgl3qn9gW8wLKSR6lZ3mxW4sP2F33M4XY0W4XT-YT7qrxKSW7HN9Mc5xWPqyW911M766-MRzDW2Z5ryK4hrRV5W2m0Vnr8_nSpSN1pKWz4P9pZqW3s7yHx7qFXkvW1nhMTk3s4hS1W1Sbjcy5fzHqcW35l63V8sYyg-W7wTBp46qgpzWVf3RB78Rwh_KW1nWhVc5j12JVW4L2CVW1_Y7qqW6ZsqCw40vx-zN4Nvyp6f1q1GW6-DBm17FdFY6W4s0Wh95Q70QCW55t0yD9hdNd0N29m-Vhg4RnnW1Hs8p16nfNt8W2G-bqh5mZk50W3Xq_S-3l-149W5Bl0gZ16ZJG6W6-nxw51twDtKVbhwyk5PCzlRVzsRNR2lksBtf10JTyl04) and [Google Play Store](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsgF3qn9gW95jsWP6lZ3l5VQT0Zs5GDZL8W7D3qbH67JsMqW2Kl_PH7h0c5KW9dG5gb1BzkDPW8KQZGb2PnYqwW1kdK6d4VNlGqW55g9nS2S6QmRW69HGQD1Fl51JW4v9jQM3nFdHHN1MgyFHwtkNSW6QjC6Q9dv7NnW3_gq1r2ppfM9W50mRqm7YzBhfW1qr5bV3YjwWjW8k56d944hDJBN40h9jgRZ0FNW3GmcNf5T8BmkW1jp5s46B_yX6W4Ffx1V4PlTSDVdSXh58HcDlpW4PNkQ76nbl2TW5Zssht5P_-dMW8NWz-c32ktG5W3fGK_X6cGjTSW1tJTDJ4dvKHdW85HZN779Fj8MW7lGBNN381FkkVlcR_d9fq-_ZW4Kr2BJ3V-tQ1N8923vGTXPw-f4fC9mP04). No guarantee of future performance or success is being made. [Learn more](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3pLMyW5TpdqqC9W2W5TKC1Jc5kQV3qvTn2ZFXmKW82BR2v71hYgtW7-tbZn4PxbKfW99gW-x3T_XTVW6zyyn02GMvVvW1QJ1Tt6FZBW8W6_wjWz4jQ4tFW795bWh3td8QFW7wpPYk1g-4V0W6yckrP26JxysN1zzS2LVjHgxW31YKKx7nXM5DW712lsG4pT9RqW8GHMdq5lVDFYW7bLMHk4lp9CHVqlPkK86xwW8W101wfV5HkN-gW3VqC8_50GVnlW6pQ8xc7CvkfMVzZYQG6HPRpsW5srZys4vwZPxW358Wrv4-2tsyf1dQw6804) about this relationship. Where do you save your money if you’re saving for a house? I recommend using a high yield savings or cash account if you want to save money for a house in the next 3-5 years, like the couple we’re about to hear from. I really like Betterment’s Cash Reserve account, this newsletter’s sponsor. Now, new customers get up to 5.50% variable APY* with a qualifying deposit for 3 months, then Cash Reserve’s base rate (currently 5.00%) afterwards. Terms and conditions apply. [Betterment's Cash Reserve](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3lRW87WxQw3Sl7g0W569hP483FtjhVqrvL_1XXhGMN44rf0nF2jk9W5QxWzX38t9dcW85tprj3ftY2nW1yY3TT3Ylf6ZW6_N4gp8XSmqTVbgDpM3DGwykW30bylv88Q9p4W8VBtXp2jFb9qW2VW72S5CBzbrW32FcBF4Mg6mFW159l6v5mFYYWVRfVgj7Xft_rW86gVTc9ktn2tW84y7hm626HTBW64THjv3pB5jtW8RyvzM6BSC6KW5kwB0H4KFMQqV7s3JR80YwWgW5BGS9B9bG_mLW6RrQxK2w9m5dW92VFFj43trh6f2SblM804) Saving $10,000 in Betterment Cash Reserve v. Traditional Savings Account I like them so much that I put $100,000 of my own cash in there. Learn more at [betterment.com/ramit](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3mXN94FZm2YKvy7W6qkzZp7qjXgnW4XWHnW5QNZp_W70dyP41bfBHKW5H69BM8JpFbXW1KD1sS2Hg5pvN5h97whfN1hLW11mtBz8K2mL5W7xdzN01Cvb5mW20CBMQ7_9wdyVg18VF5J8XvyW5V7f9w5VhgdcW5D8rk38Qph-vW1yNq6v35JJw2W2SMD3H7pCLjCN388vVhHnpydW2jplz147zk0FN8ZKkVBz3ZRBW7vTmxy1SGKhcW2m3KV6619-wpW18nnGj1-Vy7kW21Bq0248PbkwVMTgQH83dRZ2W4B9rMC97Xygrf116yBF04). *Current promotional rate; annual percentage yield (variable) is 5.00% as of 4/2/24, plus a .50% boost available as a special offer with qualifying deposit. Terms apply; if the base APY increases or decreases, you’ll get the .50% boost on the updated rate. Cash Reserve is only available to clients of Betterment LLC, which is not a bank; cash transfers to program banks conducted through clients’ brokerage accounts at Betterment Securities. **The national average savings account interest rate is reported by the FDIC (as of March 18, 2024) as the average annual percentage yield (APY) for savings accounts with deposits under $100,000. Can we afford a $1M home in NYC? Alright let’s dive into this week’s [Conscious Spending Plan](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsfs3qn9gW6N1vHY6lZ3lYVgVXBG8K3BPbW7B9TPX4Q27TjW10Tcb28QmD09W5tbSv87KWpd-W1KHlJh4wmjbZV20zL63MkJ8jN9188R31gZFNW8M3q2P3-DTd4W7C-ZRQ1xRx48N5t-BBG3RzL2W8lfyWK4SG2SjW5t9B2y8bmz58W1fsF8c4JQsLxW914L454gxR17V-2G827NLm3gW27fG153dJlbwW2020WY5yTMxtW185yqX3NZBGqW6sVcxf2RP8NdW6T2_V36JchQmMgTr-FfcdVcN3C73pYNhVxBd_xx0C04). Here are some details about them: - Age 34 and 35 - We both work in creative fields HUSTLING to make money - We both have full-time jobs and freelance nights and weekends. WE ARE TIRED! - We’re renting a shitty 1 bedroom apartment - We’ve been living below our means for 15 years because we wanted to someday own a home. This dream feels like it’s slipping away. - Can we afford a $1M home in NYC? We know the 28% rule but we honestly can’t figure it out because we’re grinding it out so hard to barely qualify for that threshold - Can we buy a $1M townhouse in New York? Let’s see what we can find out… NET WORTH $ Assets (current value of car, home, property, business) $3,500 Investments (include 401K, non retirement — all investments) $222,000 Savings $580,000 Debt (student loans, credit card debt, mortgage) $0 TOTAL NET WORTH $805,500 INCOME Gross monthly income (all income before taxes added up) $23,250 Net monthly income (how much you take home after taxes) $14,500 FIXED COSTS (50-60% of take home) 34% Rent / Mortgage $2,600 Utilities (gas, water, electric, internet, cable, etc.) $200 Insurance (medical, auto, home / renters, etc.) $128 Car Payment / Transportation $135 Debt Payments [mta] $100 Groceries $450 Clothes $250 Phone $350 Subscriptions (Netflix, gym membership, meal services, Amazon, etc.) $19 Miscellaneous (automatically adds 15% for things you forgot) $635 FIXED COSTS TOTAL $4,867 INVESTMENTS (10% of take home) 11% Post-Tax Retirement Savings Stocks Index $1,600 INVESTMENTS TOTAL $1,600 SAVINGS GOALS (5-10% of take home) 41% Vacations Gifts Long Term Emergency Fund Monthly saving $6,000 SAVINGS TOTAL $6,000 GUILT-FREE SPENDING (20-35% of take home) 14% GUILT-FREE SPENDING TOTAL (Dining out, movies, anything you want!) $2,033 My thoughts Net worth - Their assets are $3,500. Typical for a couple who rents and doesn’t own a car. - Investments are $222,000, which is great for a couple in their mid-30s. This is a big green flag, telling me they have the demonstrated ability to consistently set aside money for investments. And that means they can “turn the number up” if they need to. - Savings $580,000. That’s a LOT of money in savings. Since they want to buy a house, they’re probably keeping this money in savings for when the time is right. If they have their money in a high-yield account like the [Betterment cash account](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3pDW7X0jCz3xKvytW8NrNT08XlLwsW768klr7LGW_0V9_x613hkJh6W5kNR527mwbkdW5FbSK27Hs0N-W8zqq_k8w2fwyVxll1R4rYLhhW4G1qr48Xbs4fN3h1yh1fH-7NW7YssfN8ptF37W41Hblw3pjswMV-xSxB5szDRgW72JsVB9gJ52NN6v0FSfZvCpwW5dQFvL3gTTm9W3Qs_gc3CDpkgW40f4_220C0J3W5yq8mw6LZc_TW86jRTm6tc-GlW4_SP-F7mhWccN3KHrM__nXgGW89wm6J5qz_mZMRXC0rJXsVpf3Llhrb04) (one of our sponsors), they’re making about $2,400/month in interest! - Debt: $0. Great. - So why do they sound so DOWN? Look at their message to me: “We’re renting a shitty 1 bedroom apartment. We’ve been living below our means for 15 years...this dream feels like it’s slipping away...WE ARE TIRED!” - A couple with $580,000 in savings should not be talking like this, much less feeling this. Let’s look at the rest of their finances Income - $23,250/month, or $279,000. That’s a very good income. Fixed costs - 34%, one of the lowest I’ve ever seen. - They spend 12% of gross on housing (it’s usually recommended to hit less than 28%, which almost nobody does in HCOL areas). - THIS IS ONE OF THEIR PROBLEMS! It’s just not obvious to them or to most people. - They are spending way, way too little on their apartment, which is making them miserable. They could technically be DOUBLING their spending on housing, which would get them a much nicer place with more space. - I need to talk about this phenomenon because I see it everywhere. People will say, “I hate my place. It’s too small. So I bought a house!” I’m like, did you think of paying a little more to rent a nicer place? And they look at me completely dumbfounded. Because most people think rent is “throwing money away,” why would they want to “throw” more money away on rent? They go from living in a small apartment to buying a house — NO IN BETWEEN! I have to come up with a name for this phenomenon where people won’t spend more money on rent like they would spend more on food, shoes, or vacations. It’s not a Veblen good...what should I call this? - Anyway, you shouldn’t be making $220K+ and feeling miserable about life. But you’re feeling that way, in part, because you’re living too far below your means. - I don’t have any comments on the rest of your fixed costs. Why would I? If you’re spending 34% on fixed costs — which is almost always a sign you’re underspending — I’m not going to critique your line items. But I know exactly why you’re miserable. Investments - If you just keep doing what you’re doing — no salary increases, nothing else counted in — you’ll have $3.6 million by the time you’re 65. - If you redirected $5,000/year from your savings to your investments, that number would increase to $4.1 million. - Basically, you’re doing great on investing, and if you want to do even better, you can do so with the flick of a switch. Savings - Monthly saving is $6,000/month. Oh boy. - If you know the ballpark of when you’re buying a house, this entire CSP is very smart. For example, if you said, “We want to buy a house within 2 years, we want to put 20% down, we know the house is going to be $1,000,000, so we’re saving up for a $200,000 down payment plus $100,000 in transaction fees, one-time expenses, etc” then this CSP makes perfect sense. - The problem is you don’t know when you’re going to buy (not even within 2 years). You said: "Can we afford a $1M home in NYC? We know the 28% rule but we honestly can’t figure it out because we’re grinding it out so hard to barely qualify for that threshold." This is one of THE MOST IMPORTANT questions, but you’re so far in the weeds that you can’t answer it. - The answer is yes. If you want to buy a $1M house in NYC, you can afford it. But that’s not the real issue. - The real issue is you’ve gone so far down the rabbit hole of saving, saving, saving, that you’ve forgotten to live your Rich Life along the way. You can’t even run a simple calculation to tell if you’re on track! - Go search for “mortgage calculator.” Plug in $800,000 for your mortgage (you’ll put 20% down). You can see your monthly payment. You can also put down more money if you want. You can easily afford it. - Now that you know that, ask yourself: Is this what we want? If so, why not buy today? - Alternatively, why don’t we spend an extra $1-2k/month to rent a nicer place while we continue growing our wealth? - Finally, look at how much money is in your savings vs. investments. Years ago, my wife and I sat down and we talked about when we’d buy a house. We knew we didn’t want to buy in the next decade, so we invested aggressively instead. If you’re planning to buy within the next 5 years, it might make sense for the money to sit in cash. If not, you might consider investing at least some of this money, which is sitting in cash. (It’s earning good interest now, but that won’t always be the case.) Guilt-free spending - Another example of why you’re “TIRED” is that you’re not even spending the minimum I recommend for guilt-free spending. - Spend more on pre-cut vegetables, or eating out, or just having fun. - It makes no sense to earn such a high income, to “hustle” all the time, but to not be getting something out of it. - A HOUSE IS NOT THE PURPOSE OF A RICH LIFE!!! IT’S JUST A HOUSE! - You should be living a Rich Life today and an even richer life tomorrow. It’s time to stop, take a deep breath, and zoom out to ask what you really want. If you want a house, you can get it now or you can wait. But a house isn’t really the point of this, is it? - The point is to understand why you’ve gone so far to saving, saving, saving...and what you’ve forgotten along the way. It’s time to recalibrate these numbers and live a Rich Life right now. Good luck! What surprised you most about this CSP? [Ramit Sethi Signature] P.S. New podcast: “We’re married. Why do I have to ask him for money?” Allison and Dan are married with two kids. Allison wants to finally combine their finances — but can Dan trust her with money? Check out this fascinating conversation [here](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsg23qn9gW7Y8-PT6lZ3l0W5BlYd98P9pSpW2bVh6C9cn_TcVnYhTQ2Lzzl0W2ZXFTx8JwGXPW5Q3bgp63dTvSW44V-qS4-j8WzN4PLgzK9XzJlN8NMm0mWWF15W1YGGTT8jsqz6W98pZWt63rLhSW2zzkmP1Hx6VbW2c9pHz4g3XyXW5HDnGg2T4_8JW3hg4222rNrvwMwGK0fzPQDhW2WnHXJ7h-drCW7Y6PLg3KWQnlW1d-41n8CZD1HW3-qy6S4T3lGSN7xsRWRYbqGNN5rxpBjypQqdN1NB7b6tn1cPW5Wndk86Cx61GDxV440Cn24Vlq96J5lrMx2W9cB42F5rDwbhf8FjHR804). [Podcast - ](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsg23qn9gW7Y8-PT6lZ3mMW8MqBnx4rXnM8W4TCZd69lbgNhW322WKB79HWVdN1ZM59TQFXkbW5x7HjY5T6spRW56rBwH15C_x4W7VWqqF38kvZ0V28hYW3M2dCgW7hKhql5zYmDmW3vHPbZ4gxl-1W8ZnT107Vqs2FW1F0BHT1YjcMTW35DfNz1MSD3yW8TvCnK6dKVYRW6ChKqF1Y63DzW2H_pkF42WgB4W4HMbP_8jtBFpW2l3R8d3W53jMW446w-B8p163_W5LJyth7wtdZ7W42NcZG5XStBTN73Jw8dS3qkcW8p0yfH5JwZH1W6sRXMf1LlBvpVyVH6X8RLllGN4x28RMjQfSwf40wrlW04) [Programs →](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsg23qn9gW7Y8-PT6lZ3n9W1mzgjZ3G0jPtW4dR-Gc8XgSGlW5VnR0D7VTwcRW89jQvj7wMp5KW1t2cGd6hR6GsW5g9lVf3Cs6DdW6G3vFR6VCYL2Vjjp3S6wlTWbW5G3pYF51W6HrW76995M1GQ6fvN3HbLg4yclGFW1P129567fDzTW6r3bFL87RHKlVWgH-B7ggr6XW7vC_m76vVSqcW2TNxWp7-wd-MW7hFRLX8cM-mdW7XLtpN7f1HLJW8GCXJj39F3C_W1R_RQ15lrqS6N7-5wwLTQ7cvVWVtYy780pMhW5Yl8jq63T9r8V_SSct9fDRT7W40N0H83shK9NW5rfjW41BBz5hf6m0sKR04) [Podcast →](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsg23qn9gW7Y8-PT6lZ3pLVCSCKb2NN1vdW65qHLv1fh3KgW1j3W-b8tZkYlW5Fp_l_8x2cv2W39bTZ41mFZrfW20Rfbf3PmYPTW4RwqG76LRQwFW6gmD-Z2wxqZQW48FZ1C2L8YBLW7mrSHZ1XKQ4sW4BWHwG2SWkX_W7P_rB46syXsHW3yN0474PBw6_W2p0PKq3yklGbW5rMH7V1dw1pHW1nzh8f4G0CJPW7SlgNb3phTKlW16vK_j4K6lptW6mwD853WWXhYW100wlf3TP4ljW1PVzwR19-0vCW8XKWBQ4ymFw8W6W7Bql69hzs9VK8VYv2Rsrk1W5pW1YH8jZWnVW1gzfyr6myMnCf6rSt1z04) [Netflix Show →](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsg23qn9gW7Y8-PT6lZ3pQW89RPxC1krrMSW7STZ9B5Mx3WxVmLsNZ8wV6KYW2lYPk7261JGVW19R_sS7XPjC3W2kKXTB5Sw6DqW5Rs3H-2xkLLbW1Bf49c44HlK5VZ29RW2hD2TNV4q4gJ8TshKMW6bkXXC47yzFmW4f5KdK5n9DTgMjqrQ6yyt_2W4cGzxB1K-xf6W78gHjb7wZRvwW6PhVD14d153YW7xLkQb8YJFTYW1HBQCW2DmVtwW5BbcGM7Ds91WW8ptQXH6hZ4vKW8f7h8p802n66W3xpQLK1b1_lRW7v6nFZ3cflL9W8vxLxb1DZ6qSVBv9Bt2bKyMjW2sJ0hs2NxQ8Tf3nZCtl04) [Books →](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4Mwsg23qn9gW7Y8-PT6lZ3mnW7v3Pcm87GQpyW957wdW4-K-d0W5l1__V8GRk41W5ywKcx5qYb8VW4zTpHt36cjmPVfpHX91BNC0yW4mrMwS8Mr_8JW4-8Cb_6LJrqlW5nBxj57BtYXfW1-33ML6QHkjMW7lY3vS5TtMgJW2NZZ8Z3xDm_mW2VW-Bx1qg4kPW1FtzfR5VsLDrVP1cNs4MXBDMW7QkgBb1s1QK9W4JL9rK2jj6CxW2DYzV_3rVLCBW6HnFGq7JG8-JW6BXPjn9fM4NtW7PcHPL5wqDnnW5LqLgQ5mkT0qF7nlzQR6WGdW7Rn4bk14f4QbN7PSH4tbGQcNW23qtJG40mJtCf2_w--C04) [Website →](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3mtW43C1Kq3990btVdnH435DyDtYW8W4LN43H7sPNW7tw0kX2RW66pW82r62f2hkPy3W52jVY0509WGKVPKZzJ2_1PtzV4YGqS1DXyrRVLRwMS7KqnccW49-y4m5rjtfbW9kS7hM77PN4bW3nTdmK83rCtzW4-ybGw2B_-DxW1dL-CF3B6Vl9W8t12KT8JqpZ2VCx-fq7BCcF8W3T0S7B39tGmMW8KL-B95Zq75YW1yT9Zq4wrxR9W1MdtfT17MMmTW1nxLmm7DxBv9W4QZhc893LctzW91PQVx8tm9RBW8D7bSv7DyC9Jf2qcPRM04) [Instagram](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3n8Vs2MM45Sp6h6W7rL5787c4Qh3W19cB7X3x-ZqQW5WT2V927RxqCW1Pj3Xn4vQb9WW5mY-Zp9fdYF9W66jlV46rGn2YW4QvvRY11vdvLN7Y6-NZdYQvWW2170kh2PY20BW22BtvG56QG6xW4kXy1H1glp4MN1l52VVm3gqYN2zfVHgM0423W2lxmYS2nvJ14W6_pvhC6B3W1XN8kz3YBHgJSLVNC7tq3SCrSmW4QKPsy8kNxxBW3GgBXx4nj58HW58KSlz3Qgy51W4Vr2qz3_QqkSW5GfxsX2ZjHY4F3D_kr1GW-Lf7Nk6TR04) [LinkedIn](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3nHW4lt5B-5P0FrFW5JBLSp44XXqNW298F0X6nG2JrW5zy4xB4DNBjzW1fp2Kl7l8JF8W1Kz1J16RF5VFVth7yH3kWtVnV_ly_m6l2qVQVRJPhL4HYhp9W89tw5b14CKY1W3lgMgr3bfJkRW216KBj2SmKSkW8N388T57vFpBW93wbWF4mh7TQN2ddzGNYmh1bVC8Wjf4l-CkmW15rQvV76SL79M2KGxWW_RP5W2rF7B23NGgbsW91Bph83G-fJCW3Kr_2q8cRmYcW28BgRD4jSwdDW7NjF6S244bCLW944zV459l6rJf4nZGNK04) [Twitter](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3kQW2FCD4j5hTbyLN7jWVDHxlbZkW72Zn_t8P_5n4N28WLF95Sx3vW6H5tkb7b1qFhW4M3J0B1KhZbZW9d6pf_51kyTMW3dzqW91kW1tkW3bbPZw7jxMTYW4QyLSz29V4M1N4tNqbdKQf7JW6BryKR1_N2kfW245D564fXckTW2Vw3Db3hG2GBVMrLtN6rks9VVdq3G94QwM6vW1qldj45QLt-JW6vCyLS47hqTvW16HrLN4B1g0xW8dzbq03kh50rW2NkkZT7_kMP4W1stQK9677XfQW5Mj3Mc1-w9DPW4YlKmw255r9rdJrDM-04) [YouTube](113/d586LZ04/VWplZr5dMfNNW6sL1mF2N24JRW8XrjSc5dpzMtN4MwsfM3qn9gW7lCdLW6lZ3mhW7Kd7VL79w02rN1jgBMv2wvF0W7__hw630jFV1N2Tv0C0l0Mw8W8H_vk52cWfcXW7Yr2xG5rS2KvW6NVv8m4y7gmBV5B8-z1WK6ydN1hXJqZW_2_TW1SYgps8jVWPyVn0BXK51r5GFW2v7mS12_2tbfW5pCX_B8NFckgW76z6WT7TgGtRW8ph1n-6m1j6VW5xJhmw1K2TKfVy9txQ1YyH5bW2yK1hL7hZlj3W1Fdxqy6zYz44W2z6btW9hgW2lW4y-FNv1wtXt4W561PQV6zhm1lW8J_Dnh4Qhwh-W41mmQG79Cq3df71MKBT04) Was this forwarded to you? 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