“$40k in cc debt at age 40. Can we ever buy a house?”

This week, I’m analyzing the spending of a 40 year-old couple with two young children. [Podcast Newsletter Header](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1x3qn9gW7lCdLW6lZ3mXW6PtW-D7K09drW1Z6kSx5D0LRCW3V7tH97RjQ6nW1QjGWG6zlGlPW1ZgmHd1GYbjdW5XNPvY9hZFrJW3Hgf4F5GCkj6W6jyRFX9kHqMQN6ylY756kLpBW4MJ3_-8BWL3cW4jRscy8XBcQ-W1QV9qg7CvfGPW5GqCbZ1H5qChW8T8pFS71-XpwW84KB7Z6tlyd6W4vT0NM6MC_lZW4cNpVS3WhxXlW4y-F5x74LBbFW5nWPrR1VbpHGW24brGw7D0DkFW1DLgq27Pssp4W1_zJWK6hK6cvW36BXmm2NvCSBW3qd-Q42LrTHYf1nhgMj04) {NAME}, This week, I’m analyzing the spending of a 40 year-old couple with two young children. They wrote to me: “We want to purchase a home but realized our bad spending habits and $40,000 of credit card debt are preventing us from doing so. Can we get out of this pattern?” Let’s check it out below. How to get unstuck in your career Years ago I was feeling trapped by some decisions I had made in my business. After 18 months trying to figure it out myself, I finally brought the problem to a CEO Council I’m a part of: a group of 10 other CEOs I meet with regularly. They instantly offered recommendations — move this here, hire this person, create this structure, etc. Suddenly, everything was clear. I wish I had asked them sooner! If you are looking for a group of peers to help you grow in your career, make a bigger impact — and earn a higher income — check out this newsletter’s sponsor, Sidebar. [Podcast_Sidebar](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1d3qn9gW6N1vHY6lZ3pGW4Z4XFY80TkyhW6KxhDy13xk3CN41Mz5NHpQZvW1HsW_p7nP2y2W73VDS139HlKWW6ZJH0Z8rHdwyW4vjsPf16Pds6N1q0bP_Qm-8-V1mpHT6v_gkDW6kl99m7Y-BxlVjJpb18RDdh9W7mByQ_87-RNqW4Vq66V5b1G8TW2qPsRl8cwMb7W7j6snn5_0mHlW8Q-Mzd6gmDjzW51JGhl3h0td9W3cJ6j76lSVvXW40YBGG8YL1F1W7l_xcy75y0SbW4GY4tm5BVccyW8Zt-Cm4nGZLGdVTHBK04) Sidebar is an exclusive, highly curated leadership program where you can tap into a group of supportive peers. When you become a member, you get matched with a group of 8-10 peers who you meet with twice a month in facilitated sessions. [Learn more here](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1d3qn9gW6N1vHY6lZ3nRN6zB0Y6xFGy-N5lhpkDBXm7WW52SHcQ2qkDr5W6SPfQC54N8Q9VHBdJ17JH-GvW2w5SzW97g9b4W3zj3n6480j7YN4vRgY8HPMYGW31Nw9K2Kq_Y0W8-TtqL90hnW4N2Mm0JrRKSMsW8llT6D3TLZ1JW6W6lP77z6Qz5W6DwYXc6hTdZ5W4yY83k2-5LHKV1R4kw3w6DC_W5Jdcz04m20HZW3YYMz654V8k8W1v8FpX3nwZKHW7cJljB7n5qTbW5PHrF18pdThPW2Y9vPP4vHDGPf36Nh3P04) and join thousands of top senior leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their career We are $40,000 in debt - can we afford a home? Now let’s get into this week’s [Conscious Spending Plan](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1d3qn9gW6N1vHY6lZ3mkW3gSN3t8WKRvKW7W1G_c2rG12CW7jTmvt7SXGmRW3GChBX89RgXGW89N1TY3RBn5fW3yCrzD5zwbcpVLBd7324V-K3W2kTlG2472XdfW1Ry0zf3YhSXdN30_m_nQhRF7W8KKMf63JnjWWW5X25Mn3q_SMtW8GQ0sW6_vv-8W4D6gjg4VTmqLW8k7-jT12J2WDW5wGMVb453TfbW1-dt6K2NDzPQW8j_Y5p65hK2TW4W-nWf4-JX74W4jHgjC2CCwsNVxBH1T4t6szRW1yJXc25-Kyv8f7gdLW404). Here are some details about them: - Age 39 and 40 - Two young kids - $40k of credit card debt - $42k on a car loan - Just had a second child and want to build good spending habits for their kids - They have a history of “secret spending” - They asked: “Can we get out of our bad spending habits and purchase a home?” Let’s see what we can find out… NET WORTH $ Assets (current value of car, home, property, business) $29,155 Investments (include 401K, non retirement — all investments) $258,447 Savings $22,618 Debt (student loans, credit card debt, mortgage) $82,423 TOTAL NET WORTH $227,797 INCOME COMBINED CURRENT MONTHLY $ Gross monthly income (all income before taxes added up) $17,773 Net monthly income (how much you take home after taxes) $11,512 FIXED COSTS 68% Rent / Mortgage $2,482 Utilities (gas, water, electric, internet, cable, etc.) $314 Aftercare/Daycare $212 Insurance (medical, auto, home / renters, etc.) $220 Car Payment / Transportation $355 Debt Payments $2,534 Groceries $1,400 Clothes $75 Phone $142 Subscriptions (Netflix, gym membership, meal services, Amazon, etc.) $73 FIXED COSTS TOTAL $7,807 INVESTMENTS 1% Post-Tax Retirement Savings $0 Stocks (529 Accounts) $100 Add your own here $0 INVESTMENTS TOTAL $100 SAVINGS GOALS 10% Vacations $200 Kids Camps $0 Long Term Emergency Fund $1,000 House $0 SAVINGS TOTAL $1,200 EVERYTHING ELSE 21% EVERYTHING ELSE (Dining out, movies, anything you want) $2,405 My thoughts Net Worth - Their assets are $30,000. That's probably their car. - Investments are $258,000. Pretty good. - Debt at $82,000. The fact that it's $40,000 of credit card debt also means that they have a history of overspending. Interesting that some couples can consistently invest, but also consistently overspend. - This is a great example of how real wealth is typically created: by setting up automatic investing and not thinking about it. It’s when you spend on all the things you love without knowing how much money you have that you get into trouble. So you can actually, curiously, build wealth and build credit card debt at the same time. I don't recommend it, but you can see how it happens. Income - Their income is $17,773 per month or $213,000 household income per year. That's a very good income, especially considering they are 39 and 40. That means their income will likely go up for at least another decade. - Let me explain why I say their income will go up. There are certain ages where people's peak income happens, and it differs by gender, a difference by various situations. But in general, I find that people are highly reluctant to accept that they are similar to other people. Speaking generally across men and women, incomes tend to peak between the ages of approximately 35 to late 40s. - Now, what does this mean? It means that if you are 30 years old, you need to accept that your income is most likely going to go up. If you're reading, [I Will Teach You to Be Rich](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1d3qn9gW6N1vHY6lZ3mXV5m4wS3cKp7yW3BlTj86BhxSmW2WQpgp1qhqVNN79JwTszRhPrW3F3hJG38pgCrW6d99H673TYt2Vr-2CY1cvPnkMy0H2H7HXFgW4wCk2C6NthDDW1ByShH6X3NC2VKHwmy3F589-W5mTMb87gfBCDW1w7TCM7GQs8PW2f3LXy6h6J2nW2KD_553W0Qp0N6Pjwb8qwjpMW3h8L186l-sl7N9gj951snKvhVQ0GM37GP4bzW6F_4Xj1JZBf-W7CFvph73NslRN5km1rf2CpL4f85mmR-04), your income is likely going to go up. Therefore, you can build a financial plan based on today's income, but understand that if your income goes up, and it will go up substantially if you know how to negotiate your salary and all the things we teach in our [Dream Job program](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp263qn9gW8wLKSR6lZ3mMN2STFMmJBKfpW8zbRDM4Y24QGW7TqrDF7H_xFXW14BK_97CGqtPW5Dz_4s4DV7ksW2kDnDM48Yj9ZN17zdV9p7tZxW4ZJLJV6Q6RqZW6gYb192zK_V0W4WqfbN5MbVbfW2mLR0n2vCCSsW2TC1g88-5rJmW6RrQBL3FPhW-W9l9KLF1krk4TW7tZgXM1Fz7_3W1Khclt1HFZLdVgkGNG3Ys6lGW3zWzT58sVHWJN2JJL4qt8MhtW7rmL9m5tjFF8W8c-TS-2fTB_nW6KLWn38WY5TKN9gN5HYcVmkYF8NccsWnMhnW1q8Qb6840qvcN3vKXvmWsYLGW9bZfSH8_W279W8Dh8-N5wlQlGf8WDmv004), then you will certainly have more than your baseline financial plan allows for. - People really do not like to accept this. They feel that if they model out even a 3% salary increase annually, that now they have to get it. And if they don't get it, they're a failure. Fixed Costs - 68% - that's too high. - Their housing costs are less than 16% of gross income. That's impressive. - They’re spending most of it on their debt payments. $2,534 per month. That’s a lot of money going towards debt. - Technically they are on track to pay that debt off very quickly, and sometimes it can make sense to exceed the limits of 50% to 60% for fixed costs. - One example would be if you have credit card debt and you say, "Hey, we're going to stop eating out and we're going to put all that money towards debt," your fixed cost number is going to rise for a while, but it's temporary and it's strategic. - - Another example would be parents who have a very young child and they need to pay for childcare. Your fixed costs are going to exceed 60% in many cases. That's for a temporary amount of time, and again, it’s strategic. - Either way, you need to decide where that money is going to come from. - I do recommend if you have consistent savings, you can just keep it. Keep savings going, even 1%, but go ahead and dial down other expenses as much as possible for a temporary time like paying off debt. - Okay… $1,400 on groceries? No. This is an easy opportunity to save hundreds and hundreds of dollars. Investments - WHAT THE HELL? Their investments are only at 1% when they've saved $258,000! - So what’s happening here is that they’re primarily investing through their pre-tax retirement account, which is their 401(k). They're probably maxing out their 401(k) and they are only investing a little bit per month. - Now this is interesting: even with $80,000 of debt, including $40,000 of credit card debt, they still put money aside for their little kids. This is a classic mistake that parents make. They go, "Oh, little Jimmy or little Raj was born. We're in crippling debt paying $2,534 a month in debt payments, but you know what we need to do? We need to put $100 away." Why?! - Your kids have time. You have much less. $100 a month towards $40,000 of credit card debt actually moves the needle because the interest rate is so high on credit card debt. I would much rather they take this $100 a month and put it towards their credit card debt than to put it towards a 529 that's not even going to be useful for another 18 years. Savings - They’re putting aside $200 a month for vacations. Okay, I don’t mind that… But if I had credit card debt, I would not be taking vacations anytime soon. - But they make a good income and if they want to put aside $2,400 a year, especially with young kids, I get it. It’s not going to change much - They're putting $1,000 a month into a long-term emergency fund. They currently have $22,000 which is about 2.8 months of emergency fund. Some quick math, with their fixed cost that’s $7,800 a month. If both of them got laid off and were in a true emergency, their savings account would last them 2.8 months. So I think it’s wise that they’re putting $1,000 a month into their emergency fund, especially with 2 kids. You can grow that. Your risk tolerance goes down with two young kids, you can’t afford to get laid off or have some type of financial calamity. Guilt-Free Spending - Okay 21%? $2,400 a month??? Woah. That's a lot of money. - I have a feeling just from looking at this CSP that a lot of that money goes in places they don't even realize. Like most people would be shocked to discover that they're spending over $2,000 a month on guilt-free spending. - I don't mind if you can afford it and you're making $213,000 a year, then yeah, you should have healthy guilt-free spending! But the problem is most people aren’t conscious about it. Random takeout, a random gadget on Amazon they don’t actually need. Overall Thoughts / Recommendations - Overall, there's two great things in this CSP… - The first is a high income, which solves a lot of financial problems. - The second thing is over a quarter million dollars of investments, which I almost bet comes from consistent automatic 401k contributions. - The big problem, of course, is credit card spending. Getting into credit card debt is a red flag because it almost always involves unconscious overspending. We want to fix that. - First, put out the fire and pay it off as quickly as possible. Second, we want to start saving more aggressively, potentially investing more aggressively, and being a little bit more mindful of where the money is going. - Let’s go back to setting aside $100 a month for 529 plans. It’s not that big of a deal, but what it indicates to me is a lack of prioritization. Why not take everything you've got and put it towards your biggest financial challenge — the credit card debt — and pay that off with overwhelming force? Again, it's $100. If they choose to do it, fine. It's their money. On a serious scale of this debt, it's a 3 out of 10 for me, but I still wouldn't do the 529 plan. - For the emergency fund I would keep putting in $1,000 a month, build that up until you’ve got six months-worth saved up. It might take a few years to get there, but keep putting that $1,000 a month aside. - I encourage this couple to become more strategic in their spending. Say, “We’re going to take one staycation per quarter or two vacations per year or eat at this restaurant, get a babysitter only once a week.” That would be really meaningful. That's what I mean by rich life. It's conscious. It's strategic. It's intentional. - If it were me, I would take $400 or $500 (maybe more) out of this guilt-free spending money and put it towards that debt. Get rid of this debt. It's doing nothing for you. - Here’s an alternative: you could take some money from your guilt-free spending, and, instead of putting it towards your high-interest debt, you could put it towards building up your emergency fund more quickly. Personally, if I had two young children, and my emergency fund was less than three months, I would find that very risky. So if it were me, I would take $400-500 a month, put it towards my emergency fund, and cut back a little bit on guilt-free spending. Like I said, I doubt that the money is being spent consciously, and especially when you have two young kids, you're too busy to even go out, so you might as well embrace that situation and save a ton of money if possible. Good luck! What did you take away from this CSP? [Ramit Sethi Signature] P.S. Next month: Live coaching with me in Boston and Philly Last month, I hosted a live event in NYC. It was amazing! We talked to couples about their money psychology — LIVE on stage — while the whole room cheered them on. Nothing beats coming together in-person! That’s why I’m excited to host two more live events in June: - June 1: [Philadelphia, PA](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1d3qn9gW6N1vHY6lZ3pfW5tsp3C4hhdWJW7Hh6-77j_GRHN22t9qX6mD-HW8vYV1n1HDfJnW9l-yf-6p1gTlW6lS6fr8gnzCnW7MrF4R6KSDtXW4TPsdh9k70qVVNXm8C5LHK1KW1lBCq15n_r0zW1bXbpl1fVFR-W5YbsdB10sqLLW5MGj4t371DP0MlKFWzKG31gW3s65B48Tn43bW3CyX9P1KRpQrN60f_9hGgzG2W39Zq7w8H1KPnW95ypZS7VKZxyW4jv22V2xH2S_N7DCWt-ktbFBN8thFRshgLgcf812xwz04) - June 4: [Boston, MA](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1d3qn9gW6N1vHY6lZ3p2THYxG7PlzKnW5JWtZ97c9sK3N8RKLZQGPLXsW8-yfyW3fHZ60W1QvP7D5gpfFlW4X7SR47GFVRcW90fnMn26Lx95W4yc1vN7Pl7-YW2ghXdg6QHm20W3Sgs5V97ctfbVTJ8DM3136vHW54MgLH9cz5scW6j5dH34rZtc7W1DLks-5dzCs3N1Nzqbvgd0STW3TGkWY5R5VsMW7ByjbW4zPx11W3Jx2dh6XHDh8W5sWph73Zh0z3Vz_f4181lqj9W4c_tg01kCtSyMbXTcrM4JQ7f7gpXnR04) Once again, I’m looking to coach couples on stage. If you and your partner want help getting on the same financial page and you’re in the Philly or Boston areas, [please apply for live coaching here](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1x3qn9gW7lCdLW6lZ3pZW3-sS1k3K8jv0W4SJGwc53NpkzN3Zl3vgH8YZ2W4QZyKp2c7D8HW1ylw4w3KFrdYW61rv8G2Js1gRW1dh-rJ62DPZbW8W5CY65-QFGVW2CfJkG2wv7BhW6zgtSw6CT0YsW8RN2xv4h824KW7gkhFw5F7YbmW4WsyT697YCRfVnrtDM5TK0jPW36BVKb23zClpW97qwv242-Bn5VnPvf67W378xVzjyV18H5GqrW5zqtgR7vJ1kLW2GgXhY7DYJ_QW8jf_NF3qzR8yW2f-RML2nH1zBW83vPl95pXtkqW525C4S6TkmVdf2DqfxH04). P.P.S. This week on the podcast: “We’re drowning in debt, but I drive a BMW” Kevin and Michelle joined me live in NYC for our very first in-person podcast episode. They struggle to save — yet they both drive luxury cars. Check out our fascinating conversation [here](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1R3qn9gW7Y8-PT6lZ3pfW8YZSpp4xwdLRW85jmH94LJMm3W6959yx26wtGLW7ZP1LY8NbSX8W7RJP0k59D2ytN68Kf-1BSHgDN19rT0BfNJWHW89-8Zl4WZFLFN597SkKXjh48N9850Hp5RzdbW5l_H0D5RHfTjW10G_Ss94Jt9pN55Z-G-ktPYnW31347l8JmJXnW93F57M56BqHpW4b_jcL86d7h8V6jDvY6SnqlZV-98Hf2CbDVTW9831Sk3xQ0qDW7w5RKs8r4YQXVBz9vM4YhY6yW2m9T8r2zqpdbW42vCdR8dJrGrW7MfPpG6D-GhdW4lh30W4X4T82W8ldFs33RkKcPf6DJkY804). [Podcast_But I've always driven a luxury car](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1R3qn9gW7Y8-PT6lZ3lYW5Ly2Mm6pQf5tVbfKK16l6h9mW72bfTm7XXsR9W72jkkC2FJmbcW1SHrBH4sCkGdN3pPyf2dtCqjW4L6YHR60snZkW88KPf99c0Z-VW82sBPT6GmfYWW6TxtwK95Qy6yW4D8V324dxz3rW8psWDh8r7cbfV4nFz390BJSVW39KMtW5n0vV6W2rGWLr3JcYH9W37666l33wbmVW92sl5M5FpLTsVsWRmB2lK3BPW91HTDM2S1SfdW4p34cT5pQyBDW62XnDd3pdvMcW4Y-_PK1VtHqHV2lmKw3tyfj8W7nQGl38QDYRVW96YJ1V5JRvdWN2VxKQ3zDKzvf5MnFpb04) [Programs →](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1R3qn9gW7Y8-PT6lZ3kSW47_gX24s5VFWN2n_SK5ZDdV7N7DJ38bXtKRCW2Df67K5YncKnW4F1ybH5PfGJNW1sk8dB7jYDTWW4sJYhq9d_GpFW4w84pK5V-mzZW5CBH5T8q5sTsVSzv2n5qXH8KW44dgCP3k1JhdW2TnhDp3CDkFTV4wNJw8zpWjKW7yjLh_7gn4SrW2M1q9N3_Wx0_W3S8k9C4XM4RyMyMksN28lBhW7P89zv6TCw1bW4K1d1G2Vr7S1W4D92qn1LTDVlW70fB9F7p7rGpW29j53N4ZNDz1W5pCK658Bn_tdW2J0nq_3d0V1XN35kChxnsG53W3JSNtx5x0XqVf706N8x04) [Podcast →](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1R3qn9gW7Y8-PT6lZ3nQW1Y90lb4F1zsCW8krqKc6Whyw_W48sq4T2wXJKdW88P3xD2BPZRcVz0V3s27kH5dW3St_Nn8LCmSVVL4D5g1bMR6QW2n9tLd8xZTLSVNHDC08mjSD4W5P6z5s97T858VjltJW1NYZDVW1MLP_f5Jxw9xW371YwK6ngKBQW1b-xTc1VR9tbW3xjZ0m5mYkQWW5kgLys6r51f0W7yz7bq4myVNkW5N-T2W3ZMPkqW7p3WP022FtdVW8GYvXb31T7L9W5_xDZC38ff3QW6h3jp81pV_yNW4rrQWF7N_GVGW4DzSg59f2Q68Vq3bw35ZSGsJW9cMjdW5zTvrHf7bLwjR04) [Netflix Show →](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1R3qn9gW7Y8-PT6lZ3pNW2cPYWD4HBZFHW4XNC1q6FbQ54W6QVYWK7zFZvDW62b7lC7nMd8PW5QCZ4-5L5VPJW7QJrKS2fQJP3W8vNKgX5bSsF7F8bL4wqF7wlW7tfNqL4bMLDvW7sYFtp7KBb8tVBZ1ZN7mhfdwW9c-rV_2jCv6mVk5bK-6P2bwmW6nz3jR5-D3PlW8Q4PSC7wWMb-W6-mRll4j23nLW6kYHjx87GHWcW8nfB3d5lZhkTW7YMz5443mVx7W5W8cqy71wX4zVkYwvf7mdS73W2WVXMG5_kKYLVN69MJ4G46pdW538r8V4X-fc_W2D8_XG6XdqT3W55JCMH26HVZgf4_mtM-04) [Books →](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1R3qn9gW7Y8-PT6lZ3lkW5fXx0n1BVptXW930tcP3ZsyNnW5pB22s5q2RC6W6dhSht3vZvpfW7yF0XD5SGSWtW7DWy3g1ZzSz-W8hGdtZ6-tYXDW6_SmGS8Snc83W8dbYQ48141kJW4S0V3W33jQP2W4PFG8t2GDt5WW5qj5z05QyRBTW1xlNpk8gzMq9N1CqR5Xj5ms5W6ymN6j27wzjBV1Xnwv641ggTW5FxWTq4b-vRnW5Y85h97Lw8QSW4jPCvK3mSm1VVBlbdx92HwX3V_Cp745K6W_BW8MnqNV38Dlv8W2dKm014TjpQSW8hMF_G25g7WLW5vNnfN3jPDvqW23MyZY6L6Vkdf3JpnHW04) [Website →](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1x3qn9gW7lCdLW6lZ3l2W1pNStB6VFytvW7sq_lV2KX8RgW2_NzlM5ZryyZW6JyLLL4ST0RdW5KkJKP3HbwprVjnn227M_7SrVWprMX99x-vkN4nygSbsH_J4W8QStZV27JJv4W6psKjx8p0kmpW4Cmn032R3dCfW6TGnz83rN0b5W5ddBnc8ZcPNjW7mNxl33fjMf1N2JNfKXn0Cj6V3kQC82M3H12W7s69Jv68rWFtW27vMKY5zFL_vW5hlBjM9hZHf_W6XMcVL1cfh_LW3pdH133s6b5NW75QgNj8Jg-xfW4C4LM28hgLDBW25Jc8X6bt_xRf3R1xxW04) [Instagram](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1x3qn9gW7lCdLW6lZ3lqN3NQX9MM4742W8zXp118JZn1VW8ZK0cM7PTVt6W7r4pcl62wk8NW3fczWx1JRj98W4BvXhG70BwJ6W1CjBDh2fGKn6W1NLjQk8R0kNrW9l933h6N2Q8SVmG4br2ZJFSbW7tZNXr2dY9kgN3tjh1PNVtyvW98Z-q97l4-6RW20wjp-2Tt9cQW1Mrm695h-fcRW2B0bjt83y19yVFqCjd7cHx5tVYGl2P1qDrvjW2cF9_T2_LtF6VpSKTr7jrVL4N682jQLj2xVCN6C0yb-L4l2HW2KVMMp7-q4ZcW2Tvj2F6zYghHf4rvKqH04) [LinkedIn](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1x3qn9gW7lCdLW6lZ3pnN4jZ2njQk9DXW5LVHr-44vqrlN1rC7Db39wSvW7gzgV_23RBXMN35VV1mtWj5HW7rbkyS8gL32PVvdS5_6p0HL9MSl6nxDKG-4W99PxxM8QzKx1W2RfGyj2FtmLVN2nsh7B9h2fmW6k221_2F-y9kW2Cjnr95tDnmSW7rX6-r94H4J_W715scV411yTDW4y005T1Qq_LFW1866P21DqJl4W62LWfJ6K4LZPMWY0n8sDHt-W68qX0M8NGgRFW3MFZ8V4JyTZQW8t83tw8GK0JQW964NnP2NdyjFW233X3J6xRwkff408_PW04) [Twitter](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1x3qn9gW7lCdLW6lZ3ksVdY3GG1PncjPW46hxzp84T29xV7jrW14WQy5hW6GT9_n7ztx74W84v4Zm1j5n02N4ksJXRRfD3bW6ZJh463QCLVyW46Z7Fw7_MXTpW4pvqBP5Q4jWcVvWvfR4_HrsSW2Jn7-D4mWTr0VrZ96g5bhn4GW42M-B3135_-JW3my5ZN5vVxG9W5p6kw81qBjmFW1m1j2K3tDJdHW4JfxPx4l7q5_W6G0_P159N-CMW2NSvRG2Wl7wQW2wFGSG2TQ561W8Ps9TY4kwGK1W3LPBj23C6XHjW5GlZWm8x4NdcW1ZJ74K31xt48f64fQR-04) [YouTube](113/d586LZ04/VWRbSw2BpRcyW6dQplw22Y2GVVNrtzX5dHzRgN2lhp1x3qn9gW7lCdLW6lZ3m2W7JR1bP8W59JvW3qw7-F1XdrsyW4t4Gd56y0PMrW7Gjvgs1wx8bjW2KPcfn517_nkW63JQv36hYJ5KW94T1wz351rbjW4b_Md14f7KnkW4GlydM4FR2HvW6Yx9zx8d7PtlW8cMM2D5cT9bLW7jg_cP2Bb3yRW5GxBs28bj8fVVLZ0829c0plHW3SC0TV1TvfFhW29W8Z-5tTDQPW6V0G1F9dWxn_W58TmN61Vr1rHW11GYHX2CRKHWW7TfLQY85kWWlW7kYCXz6hXcj-W8tHDsQ9f3JW4W3ZgkvZ8fY9_4N4xC6YbcSBllf20sYtY04) Was this forwarded to you? 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