“I’m 30 and want to retire early. Am I doing enough?”

This week, I’m analyzing the investing plan of a 30-year-old who wants to retire early. [Podcast Newsletter Header](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3nCW7vRk796YPN9YVkr5L33DlZd2W765bL72ZW_0gW2pfk_L7DNMzkW2m5B_W79vP--N3zDVV-XgskbW1R5WvX4P6MCBV15lZq4t2Cj1W5k1YSn6cBnMtVKdp1d98rvwYVdT5zn5DmR6cW8wgXwQ9fG2N-W3NssXM9bPpPZW2Nd2kz2F7g9YV5nt7v2cK13nW7_N3HM9lpFPzW8Nt52S6yJpXkW95JGx-5ypcy_W6Sf-q77R4yrLN847ZYW_ksB1W47BfvC97cD8dW1rvD2V9cqnVWN4_FB-BXrRXkVSjmBF6J9bdhf8gnQM404) {NAME}, This week, I’m analyzing the investing plan of a 30-year-old who wants to retire early. She wrote to me: “I want to get to a point where I don’t have to worry about being able to retire comfortably (even retire early if possible) but I know a lot will change in the next 30-40 years. My question is, am I investing enough for the future?” Let’s check it out below. “I love it! I drink a packet every day” This newsletter is sponsored by [LMNT](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3nrN7vG6l_LhMnNW45l_YC7Bz5cLW3Kc4l54d7N-lW8md7qp2Ky-_SW4h4CCG76_GrpW7n9sRq2qbTcJW644KSs6f_z1sW165YXt4DdXQYW4L4-611QFbd1N10NNZCGss3YF46_4FzpNPjW2nF-QC2mL7BBW2XmSGz3Y_VY3W6QCG9w6sRd45W67rpx-2QBw35W2H0QGd1vwkzzW25n6SQ8cWPxBW5pLt788GLFdvN4SJ0yfTyk0qW7pYD0j1CCjh7W8FK7r36TtRnyW55Nrxc85C3mqW6rTvbr4Gvn0mV8HP754zsnVRf6sQhX604), a tasty electrolyte drink mix that can help prevent and eliminate headaches, muscle cramps, fatigue, sleeplessness, and other common symptoms of electrolyte deficiency. (No sugar or weird ingredients.) Here’s what a few of my readers have had to say about it: [LMNT_Feedback1] [LMNT_Feedback2] [LMNT_Feedback3] If you feel dehydrated, give LMNT a try. 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They also just launched a new product, LMNT Sparkling: the same electrolyte formulation in a 16 oz can of sparkling water in flavors like Citrus Salt and Cherry Lime. “Am I investing enough for the future?” Now let’s get into this week’s [Conscious Spending Plan](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFl3qn9gW6N1vHY6lZ3l4W8bm1wq67rMtRVDBLPf4PM1P4N7X3h-BvTZ9WW83c2hy6z9FVPW6r4sZZ4JN8YPW2xNYfl2vgNQGW3qL0fm64mkvJW9dCBy83-zgCxW9ckG_s8bnHCMW2H3N832MBwf_W2dN40Q2NJTWBVSYk4Q3dhqkwW5dkGrw7s9nJKW1WzXj38sGmt4W2nxs8G8VtPtNV5SBzS5xlFQqW81TbPQ62G23QW7t8YW25DdHcqW6-l17Y55vXr5W5KPSM-5yp0-GW5Tm7fj8HsKy-W68qWNw81K1Bxf3yspSz04). Here are some details about this week’s CSP: - 30 y/o single woman with no children - Lives in a townhouse, which she owns - Contributes 5% to her 403(b) and her employer contributes 10% of her salary. Maxes out a Roth IRA and just started saving $50/month (pre-tax) to a 457 account as well. - 18 months left on a $465/month 3-year car loan - Saving up to buy a house and retire comfortably - Asks: “Am I investing enough for the future? I want to get to a point where I don’t have to worry about being able to retire comfortably (even retire early if possible) but I know a lot will change in the next 30-40 years.” Let’s see what we can find out… NET WORTH $ Assets (current value of car, home, property, business) $202,000 Investments (include 401K, non retirement — all investments) $95,000 Savings $25,000 Debt (student loans, credit card debt, mortgage) $112,500 TOTAL NET WORTH $209,500 INCOME Gross monthly income (all income before taxes added up) $5,874 Net monthly income (how much you take home after taxes) $4,189 FIXED COSTS (50-60% of take home) 56% Rent / Mortgage $982 Utilities (gas, water, electric, internet, cable, etc.) $275 Insurance (medical, auto, home / renters, etc.) $188 Car Payment / Transportation $565 Debt Payments $0 Groceries $250 Clothes $0 Phone $55 Subscriptions (Netflix, gym membership, meal services, Amazon, etc.) $13 Miscellaneous (automatically adds 15% for things you forgot) $0 FIXED COSTS TOTAL $2,328 INVESTMENTS (10% of take home) 14% Post-Tax Retirement Savings $583 Stocks $0 Add your own here INVESTMENTS TOTAL $583 SAVINGS GOALS (5-10% of take home) 22% Vacations $250 Gifts $0 Long Term Emergency Fund $500 Sinking Funds $163 SAVINGS TOTAL $913 GUILT-FREE SPENDING (20-35% of take home) 9% GUILT-FREE SPENDING TOTAL (Dining out, movies, anything you want!) $365 My thoughts - I really like this CSP. Here we have a single 30-year-old woman who’s thinking about her future. I love it because at 30, you have so much time to make changes and live a very Rich Life. - Time is one of the most important elements of building serious wealth. Sometimes when people read this, they get sad because they didn’t start investing at 15, or 25, or even 35. They inevitably ask the question, “Is it too late for me?” The best time was 20 years ago, but the next best time is right now — which is why CSPs like this should EXCITE you, not demotivate you. You can see how important it is to start investing right now. Now I’ll get into the details… Net worth - Assets at just over $200,000, probably her townhouse - Investments at $95,000. Impressive (but to know for sure, I have to know her income, which I’ll get to in a second) Income - She makes $70,488/year. That makes her investments of $95,000 very impressive — it means she’s been steadily investing for years. The best predictor of your future behavior is your past behavior. And she’s demonstrated that she knows how to invest consistently. A+ Fixed costs - If Fixed Costs are within my 50%-60% parameters, I have very little feedback. It’s your money, and as long you’re hitting your numbers, you can spend it on whatever you want. - For some color, she’s spending about 21% on housing, which gives her margin to invest more. Smart. - Groceries are $250. How is she doing that? If you’re reading this, send me a message and tell me how you got your groceries so low! - Subscriptions are $13. Probably one streaming service. Maybe Netflix so she can [watch my Netflix show, How To Get Rich](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3nBW3x7GDb7252R0N1WgQ-q8Ls-pW8x46D21VcxFCW54fl3x4jXyXwVj3nlC5vxvjwW8mD4PZ992hMHW6Mv4yv69vDkzW1kYv8k4J_3nGW3sdpqj2gVTsfW9l8xs72ycclNN6z5dZ7lLbtzN6yZFBXh8NgWW5YvXxq3tH-TzW2pjL5w7MsJCwW7CJMZ02zDpm3W1WggY57kZzcBN4qFqXBym20cW5kkw4_16fVs8N2GtRP_DyJn7W4WkLWF49Y8vTW1Jl1CH4gWzhqW3Nmw_X2Yg9ZFW5YfFQW8NjNfSN71kx_TS94-mf7gLnK404), on an 8-episode loop. I love this fake scenario I just created in my head. - Lol she changed “Misc” from 15% of Fixed Costs to $0. That’s the sign of an extremely confident, borderline spreadsheet-obsessed personal finance person, who laughs and says, “I don’t need a misc category. I track every single expense down to the penny.” Yellow flag but I love the confidence. Investments - Investments are at 14%, but from her description, I calculated the following: - $3,524.40 / year to 403(b) - $7,048.80 employer contribution - $583 / month post-tax - If I calculate how much she’ll have at 65, I get ~$3.6 million, which if we use the 4% Rule, gives her about $144,000/year in income. That’s solid! Especially because she’ll likely own her house by then. - Note that the calculation already accounts for inflation, but does not account for any raises, or for being married and having joint contributions, or for any other factors. It’s a very imprecise number, but it gets you in the general neighborhood. - If she wanted to make this number bigger, she has lots of options: She could [start a side business using our business program, Earnable](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqGx3qn9gW95jsWP6lZ3nyW1tKJV-21l7v9W1HZyh87hgrM7W8t93zT48fDPvW6r7nNW47hvbHVKTmb91t77kxN8RCmRWfygVgW8jXGNC4lRDGrW8t6v4X1xcvfqW4LbK538V_ywVW6D5GQ33KCdB6N8gMwT35dsBZN4bv-rfRm-1NVl5R-X7jLX02W1rtmJD29fnpmW2MYyzx3ZVD8MW1btCwF6hnvv4W4JvGG_1dZPH_W3CNMcK1Rrv3QN8tp86-rbYqZN2cv6VR_mJJdW4p0Rh75YP4H6W7T2q7Y6J_sc7W7P5_km3Q8z1GW2_S66N1CR870W1WB9TV50ZV1XW7pxsvl3M10GmW5ClR0b1dtj3RW7pF_B67dhfx_W4X2Mn46BRpyDW34xlMH1MgGBPf6glXK804). If her side business generated an extra $1,000/month, with 70% margins, that would take her from $3.6 million to $3.9 million. This is why I encourage you to use Earnable to find a business idea (we’ll show you how) and launch a business! - She could also switch jobs, or negotiate a raise, or work longer. Theoretically she could cut costs, but I wouldn’t consider that first, since her Fixed Costs are already fairly reasonable. And looking ahead, her Guilt-Free Spending is low. Savings - She’s saving 22%, which is a lot. - I’m guessing some of what she calls Emergency Fund or Sinking Funds are for her future house. She should ask: “Do I plan to buy a house in the next 5 years?” If so, keeping that money in savings makes a lot of sense. But if you don’t need the money for 5+ years — certainly 10+ years — I personally would invest that money to get a better return. Remember that with a Roth, you can withdraw the principal with no taxes or penalties (if you’ve had the account open for 5 years). - Btw, that’s exactly what I did with our down payment money. My wife and I talked about buying a house. I said, “Do we plan to buy anytime in the next 10 years?” We both shook our heads because we love never going to Home Depot, then I transferred that money to investments so it could grow. Over the 15+ years it’s in the market, it will more than quadruple. That’s why the house we eventually buy is going to look like this: [Ramit mirror photo] Btw, I told people on social media that I made a mistake in my buy-vs-rent calculations and realized buying a house is actually an amazing financial decision, and this is my new house. [Read the comments](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFY3qn9gW7Y8-PT6lZ3kPW2q9BcM64CvC9W1tS-QS9g0TclW86wx0C7S_vBXN2_8L1BFjzqYW9hJzNz5NNdb8N5hZ5szVWTy5Vwp2kG9b7D-LW6knttw46h4ytW4tlKMd8J3X8KW6zcxT87NTQ5kW17QkHG7yts03W4vdr475SJyrdW1XBmJ27F5gnfMm8x7BsVMydMNFb_bbHMvCW3cJxxt7HvRTZN40cxGPMQMZQW90hLnQ1N1QpJW4pr-CX6YnSs4W39_xsW6YGw8vW4CXzFj8FL1jvW7drgsK46WnFZW1MKBVX5QbFRmW7Nx2Vl44HxHcW8wD_Qm39ZhQYW3YDc_l8T_wQ5dDP9zM04), which are hilarious. - She should know that she already has more than 10 months of an emergency fund. Is there a reason she continues to save for it? What if she redirected that money towards investments? That simple change would be worth almost $900,000 by the time she retires. - DO YOU SEE WHY I TELL YOU TO [READ MY BOOK](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFl3qn9gW6N1vHY6lZ3lJW6T3nJs7bzHkqW1KDHPP1rRcwhW1klsqv3qh-npW1fMcyj4vXDrGW3FN4tw3kbzpJW7gD6QF1wW-s2Vdh5BK2JGn0lW45p9nt9fYTtYW7nPhKS6sjfqqW4clPK41hQZ27W615qw12T6n24W26c0J01TsVv9W4QFKFN3nD6x1W96WDqJ72tPgcV7kwyS5tmRcMW5wZdD35j9Bn_W3Gc2sK8JFdJrW3QTGCM2CHKpjW4zlPs92rkp1pW2k5y7Z4DDtqMW53lCm48zH2qqW64wPj845G89vf88bkrl04) AND FOLLOW THE INSTRUCTIONS? ONE SIMPLE CHANGE MADE THIS PERSON $900,000. That’s enough for 180,000 coffees. - Overall, great job. I especially love that you’re saving for vacations. Feel free to spend a little more there. You want to live a Rich Life today and a richer life tomorrow. Guilt-Free Spending - Pretty low. You could double your spending here and it wouldn’t materially affect your long-term finances. Especially because you could stop saving as much and redirect some of that money here. - This is important. Too many people in the personal finance world operate on only one gear: SPEND LESS. That’s not my philosophy. I believe in spending extravagantly on the things you love, as long as you cut costs mercilessly on the things you don’t. - That’s why I often spend time exploring what you truly love. Because I want you to build the skill of spending money meaningfully and feel GOOD about it. Overall, great work. You’re in an enviable position on a $70,000 salary. You invest well, you save a lot of money, you’re thinking decades ahead. If anything, make sure you’re having fun and taking time to appreciate how much you’ve accomplished. I’m very proud of you. [Ramit Sethi Signature] P.S. Are you in the Boston area? I’m looking for couples to coach on June 4th On June 4th, I’m hosting a live event in Boston — and I’m looking for couples to work with live on stage. If you and your partner want my help with money in your relationship and you’re in the Boston area, [please apply for live coaching here](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3lRVP459r2LY5fhW5J12GQ1Hvd2GW1yqkJ-8WGXYrW1fb-BZ6ztyDJV1F0524gbBB4W6qmR_L4ny7vMW4cF-GL8mPWh2W2kxtCP5RL8lxW4QJQJq5snlWbW3SkQxG794slmW13_s_J96LGCtW1VCD_L3w8p0sW14FzpN2NFWtFW5Jlyjv6-K6mwW54X6Tk82PBY0W1-kyPn58DxvYW1dln9p77VmP8VtwWKR7TCSx6W5FSFYj2m2QBBW5y2Qzp2TyzXQW2pXzmK3JcThSW2TSg6L1G6gYPW8Yxb-k456f6QW8f-qNK6RrLskf1sSKKd04). If it’s a fit, my team will reach out for an interview. P.P.S. This week on the podcast: “We have $22k in cc debt — but I want to renovate the house” (Part 1) Paul and Morgan are the next couple to join me live in NYC. Check out part 1 of our conversation — and let me know how you like the new format — [here](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFY3qn9gW7Y8-PT6lZ3l0W91NPj_35FRXGW4r7stc1MgWC2N5Mxvvb1YcwyW8MCXkT2ZVvjVW3jCGV83h0sd_W3DNKF57hBw3SW1j0xbF6zSzvCW6H51zg8jsGD7N40n1n7Kq986W6d_Rb67J6NbdN2m0WY2RZN4KW5m3Gg318vqLtW5NHzV235vZFHW6VnpnJ1yRWGkW7QYW1h5StY5VW5r-wt35DFq-VVJb0j87W_8l9W2Gd01x8c03krVdZfbl55sGBnVdrv0P2Byc6JN3146HqM3-wJW2mNklx2d_b-FW2h_ngn552SkfVNRN-l8PlwqYW6LLd197W67fsW8dmxg-3cZpbsf4N4YVz04). [Podcast_We have $22k in cc debt — but I want to renovate the house](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFY3qn9gW7Y8-PT6lZ3nzW3nSn-G7d5x-jW1dVD186_Gmy0W3jrjQj7zYg-mW3trRLw49VDm4Vbvw5n2xycSrW2LD_rs74B2svW8H-hdX1d_LD0W8_Hx9M2w_t2GW2QrtDt4_Fzl8VLfkKq43rBdwW5v5pWV3B20NRDyfKv_j1GQW3hJLGH139GwLW4RZ9YM8dPNk_W8p7w8K2qn4ggW4hTBz_117Y07W5K8nvF6DvvgDN86Dwf3Rv-SKW6c2Z5H6z79QwW64VHcf7wBzTDW5YGfCv8CMYr3W6J5ltN2PtC-FW1khHM55LQVfxW10wC0p5_pZfzW7DHHxW2Dbh3TW6d77ZT3Nhst3f8wxm_q04) [Programs →](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFY3qn9gW7Y8-PT6lZ3p3W3-jmZR6_t8dgW1y29pM2CnksTW77B7tY2bcdjtW4dty_n2DrXl7W90yNJ75m1M_fV62TRj7HQMqMW6yjqn49hWmYqN6PxYSCJ0ccxW5hCSyq2P3GG1W5LqbyT4Dct8wW1lP6Rl4mz7CGV7wF2H7y3nlsW6MJwtz8wdyQnW8BP3Nl74CNBMW8byJCY1FY1DyW2stYrN6hx7-dW2SQf4G8P-KmbW3NTkcX3qWnfZN7l84pKLMtgRW777Ccc8RWmF9W7zwM5D4Zg826V784Ls6fvfzCW43WfB68SJdjwW1lr_yh79B4ltV1JzJF6kyTGjN74Y6rF2f18zf7nbXPW04) [Podcast →](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFY3qn9gW7Y8-PT6lZ3lcW865fZ-1xHyGSVctx5s47F72WW7LN_W216w9MHN1qJmPnjlHV7W2vXs3t6l6vpJW1NWHhd1wJrXlW5BX3bW3zhtcyW1Zq85n4y7KZ9W4BRCCf42gHzKN30nXjWJgznSVxqPPQ3KTMz-N2kNBmdCBxs2N91x8FNltgnxVDLlw81g-m4yW1kZnwD11616YW8ZqL6D2kFmSKW78x81796QZFtN2pdcH97khGpW7rbT7P8kMk93W2tbJR25TCzkrW1hLLCR2wJHTgW6jDVjp37qnk3VkgXlk611bq0W5R8bT51XZSCJW6n-rq33szL_9W32GDjd1m4K4pf62Pstb04) [Netflix Show →](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFY3qn9gW7Y8-PT6lZ3p9VvdxKl5tv0_PVKZ_Gb6VZqWLVnYw4h8rv1B6W1qp-dB8jg7yrW4Z8Qps7QW6SSW40z4ZX85w-DCW3jmbnG3flLBdVlkw4f68KpjjN6xkr56tJsxSVhK72y851QKVW6x6Dl9269zDTW6MPw328-gfQmW2V6RR-2W_zKNW6mv_4D5ctXFSW5YQvkX9lty_fW7ZmnRG4d6XQzN5VzshN7nfy7W5PnPRd97WFNtW29MDSd4G9jDbW2B9R0815J2_sW8-ZvWl4Jx5fMW8TKm9Z7LVt-fW5SPxxC4w3pvDW7JGwWG37GLWGN56BDggLXx-7N4q8zYmqB6X_f25BHxj04) [Books →](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFY3qn9gW7Y8-PT6lZ3mXVSGTGn2rHCvSW3fcRGH3-2cPVW8x69R01b4crvW8YrvSk5x_TVbW8Z56GB6Gvl0LW7fqx4R7xSs-FW2VXK_K1mwhxBW5hyNHF1BH3MGN4qtXvNnzvnKW66ZHWl6DRSgvW1Qjx-f7xqdDRW5hs0MN8SRTyyW3p_V-f2ly80VW3jbrzz2jqy4LN5yyY9RyKL-LW7prmvs6LgvqZW7HS3dg4RFVvnV2Yh5n5krQCTW3YVbSD7YkMbJW18xyHM2HHv_hVq_1mR70BNJxW2Ypzb815lvkfW1R6xfB2wNyzrW1nrqjG2002CBW7ZTJ7H5MLzGKW88RdlN7LRS8vf8k_WsM04) [Website →](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3q6W5Xtvg35gLG7zW4lBsbs42gKp7W89zvjm8fy313W15JMpD4kyxv1W3cf_PW5g-lr2N7b1Zz-Hd1PRVGxZjM10W5FyW5vw8VN7HbFX2F5SL26qnF2TW1Fx8Sv5PnmmVW4N41bx3XBC84W4p4fcY4Rb0Q_W10K1l85k5pKdW989yW62wV4Z3W3623192zfgzTW1sG3k18HwfyFV_HZVm5Mk66ZW1Y-DvK5sMtwJW8fCfxB7z-rf5W4FZ8277bfvmwW89jMgY1V30M-W6_JFNY6wcdGZW9gJrdT4G7yW1W1RxBTS5y3Y8vf4nl8RM04) [Instagram](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3pcW7Wmq_68WgVqnW2qDrpN8hr6hZW7c6Jh45b0-0wW2XzsCv2qNbLfW6YlCNG627l--W8CGz7c6vW_c9W8WV3my3jNXrqW39vm0c9gc3rNW57LFdR1Qt3_DW2HwyLT6rkTLFW6n6dZQ7XMdlYW4FDs4M8mGLjHW2YYpXX1Hb0V2W8Rqrbg34bC9qW95jv4P5s4CkYW8WPvHy16nN6YW8NMxwZ1R9ffjW2kBY6z7pqzrXW4dVpbF15GrWSW5LHR_c951GPLW1ZFmJx99ybmvW3Dtf0V8L77xvW5grLTR76WP1KN72YqnnnLn4Nf4L7wfz04) [LinkedIn](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3msW1xBRTZ2BKKRPW4-QXzk8ZSlJ6W46sPSr1g-0wjVQ5r_h3Ygx4sW7fpj4w7Vkkt3V5Wpbq4WwfP2W4fwPJl78-xfcW92-xQ289tVGHW23KhHG74DXY5W3GMklX7k01DdN7dhHDjNvJb1W89_jj22d63hBV1NStg6-fWthW13x54j8DS1M8W2W3nWD81mGfFN4-By0HGW3RLW40XyW77TrN63W6VZ83m34rTrbW6sVlZP1d6lDbW4dxc3c8GdXLwW21-XNT4H9x9YW2GWhK71qJ-P6W29Y11W7nJ3S1W4wbf542tpzYGf97lvRj04) [Twitter](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3kMW31Q1bp6NySP-W8X8wr64w6NcVW8B95Gw43RgvcW2NxJK62TXf66N7Zr21-llS9jW3KDVfv6-Z73WW9cKQPV1TkY2qW2gjBqz4L8fVkVDyK-b2x07jyW5c16Bq7SdDy2W2l86Mb3zYKLlW1CKxNm1QFfNzW5Cq1c94Nk29KW7QxxD32-qMyDN3r0xGP52vbzW8Kp_Tq3x7VK3W8bJ0yk249F2_W4bWMK86WJG2PW2tMN_54Xbl_jW4nNM2L6SsjK_W5m2rsK3sLlfmW8c-vKv3jLFWdW3ZZKyw71lT7sW6P-sL77RV5Mrf5_f9Kj04) [YouTube](113/d586LZ04/VW6M6N1cb30wW76bJhP7dLMyjW6G5rDL5dZB6dN3ypqFF3qn9gW7lCdLW6lZ3ktW2lHX6h5wZ91GW3d7yzW6RryGPW364y2y8ClG1-W1cTfRX6YJV9PW2ChKHP8zH1gLW4-014c8ghNj-W5h0MSD2-VwwmW5srXlD3d7gdhV-9-nb24pnH9V6Vlk-8k5H7CW40JLCq8TdRGqW681Ycz1DqP_RW3xKMRN8SjcX4W3Mxm1v614_sbVKVzmj1cJf_XW8LV9vx5YdSnNW8Yd-lH53vYD5W3zQy_v5DFTGzW85-Jvs8GDcm9W41mDlF4Fkn8mN4WC33vjjnN9N57zyxKMSwpQW7GCZPD8qFcySW8zYy0D14cc_bf2smGLl04) Was this forwarded to you? 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