😎 An extra $2,000 — without a second job

Plus, downsize your bills, not your lifestyle ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/09b12e57?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ3OTNlYTRhYmQ4MjAwZTA0MSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzA5MTImYWZmX3N1YjQ9MDkwOCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDkxMiZ1dG1fY29udGVudD0wOTA4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=nBpldDTci0ceOjCm6N5PDVurlhm68L3T0zKkZX5lMEs)   64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/e8952eb0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ3OTNlYTRhYmQ4MjAwZTA0MiIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03Mjg2JmFmZl9pZD04NiJ9&jwtS=oQvocGa4kS36uJMLyNUWx-zZea1ziqpai3mt2I9ysoY     Autumn officially arrives Sept. 23, but football has already started and pumpkin spice lattes are back on coffee shop menus. So today we’re talking about a frugal fall, not only with lattes for less, but also with free TV apps and a [small change you could make to your retirement savings and potentially see a big difference](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/e1258f4b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=s4V5hkZ1ldSRl2ZbTiN3Tfn63pIMLnpwrDJyZSXk4MU).     64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/c7ab1829?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=nbnRz-JK5-Ja-05GJIVMmmQrGfsd4osrJnBfvzwaIOc  [👻 Ghost Kitchen 101: How to Start a Delivery-Only Restaurant](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/ec2e2c03?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=shPQcXN3rFduZ_Q3CRWky02GNzsRmT1VrlmeK6zwSOU)  As Halloween approaches, we offer this spookily interesting way people are making money. Here’s how to start your own ghost kitchen and lower your operating costs.          64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/e8952eb0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ3OTNlYTRhYmQ4MjAwZTA0MiIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03Mjg2JmFmZl9pZD04NiJ9&jwtS=oQvocGa4kS36uJMLyNUWx-zZea1ziqpai3mt2I9ysoY     [This Small Change to Your Retirement Savings Puts You in Control — and Could Make a Major Difference](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/d9df9e82?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=M_fRfhdUJylSIHfLzTCc_cxOLZpv68uD8HaRF6UELO8)  While the stock market generally creeps upward over time, you might still be wondering how your retirement funds are going to fare within a traditional 401(k) or IRA that you have little control over... But a company called [Preferred Trust](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/e4f9a5d5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=s4V5hkZ1ldSRl2ZbTiN3Tfn63pIMLnpwrDJyZSXk4MU) can help you gain full investment control over your financial future. Its experts can consult with you and help you set up a self-directed IRA. What’s the difference? For starters, instead of being limited to just the conventional stocks, bonds and mutual funds, a self-directed IRA lets you roll over your existing 401(k) and diversify into alternative assets and opportunities you know best — things like real estate, digital currency, startups and clean energy. This ultimately gives you investment options with higher potential returns. Plus, you benefit from tax-free and tax-deferred income on earnings and enjoy inherent asset protection in bankruptcy. [Talk with a Preferred Trust IRA expert to learn more](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/223e249c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=s4V5hkZ1ldSRl2ZbTiN3Tfn63pIMLnpwrDJyZSXk4MU). Preferred Trust will waive the first year annual account administration fee for Penny Hoarder readers — a $300 savings.     [Get Started](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/c23bacb2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=DkPZ3ftlsLyif4GME2Iqmr9U28hFBqNI8l_qgXmU0mc)          [✂️ 6 Ways to Cut Expensive Bills (Without Giving Up Anything)](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/6bef37d9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ3OTNlYTRhYmQ4MjAwZTA0OCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvc2F2ZS1tb25leS1vbi1iaWxscy15b3UtY2FudC1lc2NhcGUtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTEyJmFmZl9zdWI0PTA5MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MTImdXRtX2NvbnRlbnQ9MDkwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=C9CIrZiU2dUFIW8lTuXSeongpE2lBfos1iE2EegQo7E)  Trimming hefty bills doesn't have to mean sacrificing your lifestyle. Delve into these six savvy ways to cut costs without feeling deprived.     [☕️ 7 Ways to Get a Pumpkin Spice Latte for Less](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/28b6c33b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=HmFDyQSmeI26JxlMYDzfUx9zsu1l4XVV_pCqss66lOA)  It’s pumpkin season. We’re here with tips to spice up your autumn without lightening your wallet. Discover seven fabulous hacks to enjoy your favorite fall beverage.          64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/0342a264?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=mVs0NCw9svGddaEX3NO4J4w04sBpALpRr-fT1GuQJpo  [📺 13 Free TV Apps to Download Now](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/40031c66?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=uGQ_OUDX_JK3JgGkVKqiuEjmZEg79_np8XGvSUwyM4M)  Looking to amp up your entertainment without the steep price tag? It’s amazing what movies, shows and more you can find on free TV apps these days…          [💰 5 Ways to Pocket an Extra $2K Without Getting a Second Job](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/042b4aa2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=1P18C5r20VmhQhpX9ke34KLJMQ3mf5aABkbGHbtZSFw)  A second income is great. A second job? Not so much. Luckily for you, we found five (totally legal) ways to make an extra $2,128 — without getting a second job.     [💸 7 Fast Ways to Make Cash Today](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/689535ab?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=0KEu3LNF_t5ybMWafHoMYA9QFMPozfto1m_TJQEdzg8)  In need of quick cash? For those times when waiting isn’t an option, here are seven speedy ways to secure cash today.     [✍️ Is Credit Card Debt Consolidation Too Good to Be True?](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/c50e9173?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=g2reLy9DuUz2sJrUuM_kgUx9JDHbhVWXnRA-lMfWGWE)  A reader asks Dear Penny how to navigate her credit card debt without killing her credit score. Is debt consolidation a good option? See what Penny says.     [🇺🇸 6 Money Moves *Every* American Can Make This Week](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/afa74296?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=lpLULGK-7bnfJfC3PsENyWA0RUDLdBRKGkoeCYZg6KM)  Some money moves are complicated and require days of planning. These six simple steps don’t. Shape up your finances for your end-of-year push.          [Was this email forwarded to you? Subscribe Now. It's free!](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/e9f45a24?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ4OTNlYTRhYmQ4MjAwZTA1MCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDkxMiZhZmZfc3ViND0wOTA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwOTEyJnV0bV9jb250ZW50PTA5MDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=S9YgsyUuQ_L-E7wkVSAPNsxnCNJ_hKaoKxhWdz9xkpM)     Disclaimer: Worthy bonds not offered or sold in Florida.     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S.  [Mailing Preferences](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/1ef78bd0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=gC00d69UI5IC70cvquczASvFbcL5hMDAlhgxo0BLb-0)  | [Unsubscribe](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/eebc7949?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=7wqeZyBn8c3I5Deo4zBQVaM1OHBQRlNLuUHzfBINfD0)  | [Privacy Policy](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/4a5c80c5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ4OTNlYTRhYmQ4MjAwZTA1MyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3ByaXZhY3lcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzA5MTImYWZmX3N1YjQ9MDkwOCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDkxMiZ1dG1fY29udGVudD0wOTA4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=7VYH7Nf1EjytgdXJdJEQkGZOXdqRUSOVq4XOlYsBcWs)    [Facebook](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/af9aba78?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ4OTNlYTRhYmQ4MjAwZTA1NCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmZhY2Vib29rLmNvbVwvdGhlcGVubnlob2FyZGVyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTEyJmFmZl9zdWI0PTA5MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MTImdXRtX2NvbnRlbnQ9MDkwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=CSSyd6w9CSLDQ_7UuCgm2lIYzRH5so4_gsWjZmKBE24)  [Twitter](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/d8d5749b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ4OTNlYTRhYmQ4MjAwZTA1NSIsImxpbmtVcmwiOiJodHRwczpcL1wvdHdpdHRlci5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDkxMiZhZmZfc3ViND0wOTA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwOTEyJnV0bV9jb250ZW50PTA5MDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=U80Y3LDpSBMUci0aQBZ55k-QM5E2BLcvVbc7YKn2yDQ)  [Pinterest](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/665002f3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ4OTNlYTRhYmQ4MjAwZTA1NiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBpbnRlcmVzdC5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDkxMiZhZmZfc3ViND0wOTA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwOTEyJnV0bV9jb250ZW50PTA5MDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=6p-uuu942i-KlWOcGBKrtW8KmxmTjn0txCul4cllRCc)  [instagram](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/0487af3e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ4OTNlYTRhYmQ4MjAwZTA1NyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lmluc3RhZ3JhbS5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDkxMiZhZmZfc3ViND0wOTA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwOTEyJnV0bV9jb250ZW50PTA5MDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=K4v1fJSCebSa3YzFBqsIUfYv02XoSZ8fcdPU_81Py1g)  [YouTube](64ff423defe57901bb0d547a:ot:631faf77229f6550ab06f0cf:1/68c3cbf9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTQ1MjQwODAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZmY2MTQ4OTNlYTRhYmQ4MjAwZTA1OCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnlvdXR1YmUuY29tXC9jXC90aGVwZW5ueWhvYXJkZXI_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTEyJmFmZl9zdWI0PTA5MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MTImdXRtX2NvbnRlbnQ9MDkwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=1rPYXHbh-I--aUP54Y8LQEaaIy5kfmFf1QO-Dr-XItc)                                 Â