Slaying the Paper Piles

Piles of paper on your desk. You know, never sure which received statements and documents to save in which to shred. Well, you're not alone.

Rob was even the best household money managers struggle with paper clutter. But if you're ready to dig your way out and slay those piles of paper all share a simple way to do your calls at 800-525-7000 525-7000 lives on biblical wisdom for your financial decision. Obviously, God, about the pound of junk mail that lives in your mailbox every day or how you should organize piles of stuff you need to keep Romans 13 seven does say this paid to all what is owed to them taxes to whom taxes are owed revenue to revenue is owed.

It's pretty hard to do that if you don't have some kind of record keeping system in place and you're not sure what papers you need to keep or for how long did you know that by some estimates, you can toss at least half of everything that ends up in your mailbox it's junk mail and other things you don't need to keep, but you should never just toss unwanted mail directly into your recycling banner or trashcan it could contain unwanted credit offers that identity thieves could use to open accounts in your name. So if you don't already have one. The first thing you need to get is a shredder but not just any shredder you want one that makes cross cuts in one pass. It will cut the paper into strips and then cross chop those strips into tiny pieces.

You can take it a step further and get a micro cut shredder. It does the same thing, but the cross cuts are really really small you can get a crosscut shredder starting at around $50 and a micro cut for around 100. It's a worthwhile investment to know that dumpster diving thieves can't get your personal information okay so now you got your shredder warmed up and you're ready to go. You just need to know what to feed into it and for that ideal set up a three drawer system based on how long you need to hang onto things anything that doesn't go into one of the three drawers goes straight into the shredder so in your first drawer go documents that you need to keep permanently. These are things like your birth certificate passport card titles property deeds, marriage certificates, and your Social Security card. Those items are difficult to replace. So you need to keep them safe.

And speaking of safes, it's a good idea to keep those things in a fireproof safe. You can get one for as little as $20 on up to $1000 or more. I know it's more money to shell out but in case of a fire. It's good to know that those valuable documents will survive. There are a few other things you should keep in your fireproof safe. You'll also want to permanently store your Roth IRA contribution history and any medical receipts. If you have a health savings account.

Those items may come in handy for many years, you may be asking why keep rock statements, it's because your Roth contributions aren't recorded anywhere in your tax documents so if you decide to withdraw all raw funds before you reach the age of 59 1/2.

You have to know your basis or how much you've contributed with after-tax income you're not taxed on that amount. If you withdraw early 20 years from now. That information could come in very handy. And speaking of taxes. Let's move on to drawer number two and giving him to Caesar in there you'll keep anything you need to fill out your 1040, including supporting forms like W-2s and 1099s. Definitely anything where the IRS was also mailed a copy in an attempt to be helpful. The IRS advises you to keep those documents for 3 to 7 years, but which is three or seven. It's best to not take chances. I'd hang onto all of your tax docs for at least seven years and then you should be safe to toss them. The IRS rarely looks back more than six years. But keep in mind there is no statute of limitations on the IRS taking you to court for tax fraud, which of course you would never do. But if you've got the space. Why throw out any tax documents now so far, you're probably thinking I'm not making much progress.

Cleaning up the paper clutter. Well, we've just been laying the foundation for your efficient record-keeping system, establishing what not to throw out which brings us to drawer number three in there you'll put all the material you need to keep just one year.

Things like utility bills, bank statements, pay stubs and bills. After that you can feed them straight in shredder.

There is one exception.

If you're self-employed with the home office. For example, some of the one-year items can be declared as expenses and you need to move those over to drawer number two and keep them for seven years after you've done all that you should be left with a huge pile of useless paper. Now the shredding can begin in earnest when it's finished, you'll have a lot more room for your coffee cup and pictures of your calls and ask 800-525-7000. This is moneywise live on Rob Weston thanks for tuning in the moneywise live on Rob Webster hose. This is biblical wisdom for your financial decisions. What's on your mind.

Today's saving or giving. Perhaps it's retirement to lower your credit score will attack a host of issues today. We got some lines open, though love to hear from you. Here's the number 800-525-7000 in just a moment were going to talk to Ora in Florida about your credit score and it's the impact on that score. When the card gets close, but first to Esther in Maryland. Thank you for your patience and Esther. Your first call or how can I help you carry it with you Rob last night and Sharon wanting to retire the year 2011 but anyway I became disabled in 1997 and have not worked with on Medicare on the husband. I think took it at 65 and I took mine when I took off work. The question is we have a house that has been dealt in 2008. The floors are the only thing that needs to be put down, and also the bathroom tile and we have been came into an inheritance.

Unfortunately you have someone left dearly past the line and we have an inheritance enough to pay the house completely off and my question is, it doesn't leave a lot of savings. I have 30,000 in savings which isn't much at our age, but I have ICD 2800 and I rented 4000 get up all the expenses here and at the end of the month we would only have hundred 48 St. which would total out 1776 year very careful and wait. We had no will be debt free. Okay yeah it makes a lot of sense. First of all, Esther and I'm sorry to hear about your family members passing in but I'm glad you're being thoughtful about how to use these resources that you know I love the idea of you all being debt-free, especially with you living off of Social Security and him transitioning out of the workforce. I'm glad to hear you've done a budget that's essential for you to understand what your monthly need is so you can order your finances accordingly.

Clearly, if you pay off the home that's gonna make that even easier because you'll eliminate that mortgage payment. How much would that free up on a monthly basis to get everything we would bring $3996 a month and it would free up because terrible rate which is really it would free up when it right now to almost 2400, hundred husband wouldn't have to pay the taxes anymore. Once he retires because Marilyn the taxes they are you know for have to pay taxes but we would have to pay the property tax yes Scott forest management that has been the talk about and cut that payment in and happy.

He feels okay so we just make sure and clear when you said you did your budget and you have about 100 left over or so on a monthly basis. You were including the mortgage payment and that or not know. Okay, so it really requires you to pay off the home in order to make your budget balance.

Otherwise, you'd have to pull money out of this inheritance every month. Once you retire to be able to cover your expenses and the mortgage payment. Is that correct that correct. That's why we need to paid everything in her pay everything off so we can make it so I know I'm on board with that. I mean it at your age and stage of life. I'd love for you to have 12 months expenses in savings of your living on in a 3900. I'd love for you to have about 45,000 which is little more than you have.

Today it says I get about 30 or so. See, I think you've got two options at this point. Option one is yet you just go and pay it off, you know, the challenges were left with not a whole lot but at least the budget balances and you got $100 margin per couple thousand a year. Did you could continue to boost your savings if something came out of left field, though, you have to take a home equity loan or do something like that. The other approach is to refinance this at a low fixed rate in with a much smaller balance. So let's say you carry a small $50,000 mortgage you know at 2 1/2% interest rate which allows you to keep you know maybe another 50 or so plus the 30s and I have 80,000 in savings to kind of fall back on if you need it. You know that might give you a little bit more peace of mind so you're not gonna have cash poor in terms of, you know, not having a whole lot to fall back on and having everything tied up into your home and then you know because you have that much smaller payment in a hopefully everything still balances and you know I'd be looking at probably a 10 year mortgage so that you know in the next 10 years. The house is paid off, free and clear. But if you all feel like you know you recognize that you don't have a lot to fall back on the budgets can be tight so you have to be very careful there and you just would have a lot more peace of mind knowing that the house is paid off in full. Then I would say, you know, by all means go ahead. Does that make sense so lately actually thought about what you just like not paying the whole mortgage off, but my husband wants to pay the mortgage off and that got you okay well I call you yeah and that makes sense to me. I mean I think you all would feel better knowing you own your home free and clear. Yes you're using up these funds, but by God's grace.

You have them right and so let's rejoice in that and then it sounds like you're very conscientious and careful with your spending plan.

It's good to be critical that you remain that way. And you know I think over time you will see that if you stay focused on your budget is always something doesn't come out unexpected, then you should be okay. At the very least, you could look at other options like a reverse mortgage or selling and downsizing at some point down the road. The good news is you be completely debt-free, which gives you ultimate freedom and flexibility so I like either planned and if you all have a conviction around paying it off and I would say go for it and don't look back. We appreciate you checking in with us Esther. May the Lord bless you and hundred 525-7000 two Lee thoughts give me Lehigh acres Florida high or how can I help all and I want you to know how much Nani you know that's very sweet yell at night. Uncle not been back okay. Our credit card. No you know it will lower our and then closing the company is back to why would they be closing it because of inactivity or some other reason you know you got to be conducted back in Knoxville you anymore well and that's very common. Or you'll see that in the fine print that this they give you.

By which if you don't use the card in a certain length of time they can close it. The reason is that you know they want to make sure that the limit that's been allocated to you is really not doing them any benefit if you're not using it, they'd rather extended to somebody who's going to charge and not pay it back and then they can charge those exorbitant interest rates up the question though is by that being close due to inactivity and not for any other reason is that going to affect you negatively. It may temporarily it would be temporary and it wouldn't be significant. Here's the reason why aura. What's interesting is that it's all about the debt to limit ratio and so in your credit scoring model is the total limit that's been extended to you across all of your accounts versus the balances that you're carrying specifically in the revolving credit area and when that account is closed that reduces the overall limit that's been extended to you in the aggregate, which means any balances you're carrying are a higher percentage of the total that you have but if you're paying everything off every month and that's probably not a consideration. The other thing that changes is perhaps the length of your credit history.

If this is an account that you've had for a while.

The other factor is the kinds of credit that you have, it could change that mixes well but the bottom line is if you follow biblical principles of managing money or managing your money wisely. Living within your means paying off your debt paying on time. Anything that you owe any temporary reduction in your credit score would be just that I wouldn't give it a second thought. This is a card you're not using.

I'd rather you close it because then it's less susceptible to fraud, you can tap into 800-525-7000 right back to my wives live here moneywise media. Her goal is to know God's heart as it relates to managing his money through teaching. Whether it's our content. Here, there website. Learn tablet moneywise live.org through helping you manage God's money wisely.

That's our innovative tools like our moneywise app or you can manage your money using our digital envelope system or through connecting that's right. We want to connect you with other stewards to encourage you on the way as well as experts who can guide you and walk with you whether you need a moneywise coach for spending plan or debt reduction plan or a certified kingdom advisor professional. But as we help you learn, manage, and connect our hope is that you can really move forward with confidence to live with contentment and peace of mind. If you want to engage with any of that. We encourage you to visit our website moneywise live.org great content and tools resources.

You can also post a question in the moneywise community and get an answer from our coaches and others on the journey again moneywise live.org we got to see one line open 800-525-7000. Let's head next to Cleveland, Ohio W CRF hi Michelle, go ahead. I want to validate different 401(k) or a 3D plan and Meet and make question and I looked on them individual IRA group and I think that the Barry and I looked at betterment then they pay about half of what I'm paying now with person and managing what would you recommend that April the all of the my new employer fund or do the individual IRA and then do those betterment and that, do they have be ability to get up and feed that ran down and then do they do this same investment that something like I didn't get that thing find that lack of fidelity aura. One of the more widely known groups sure sure yeah great questions themselves. Just make sure I understand the pieces and parts so you have an IRA. Currently that's being managed by an advisor. In addition to an old 401(k) and 43B that I get that right yeah never Frankie the one employer that I'm needing know when I need it and I put on the same pool. I see yeah that makes sense. So you don't have an individual retirement account, an IRA separate from the old 401(k) okay and what you have in retirement assets in that old 401(k) plus your new plan. If there's already anything in there was the total 450,000 okay and I was in the majority that is in that 401(k) with the company you're leaving and acting from previous employer okay and in the majority that 450 is there.

Is that correct yet okay great yeah so you know this is a significant sum of money. Obviously you've worked hard to and sacrifice to put this money away.

I suspect it's grown quite a bit so as you think about where to go from here. I actually would favor with this amount of money you working with an investment advisor, an individual, yes, you're going to pay a little bit more than you would with a Robo advisor solution and more than if you were to just roll it into the 401(k).

The reason though, that I think that's worth. It is with this amount of money I think you want somebody who's going to be a little bit more hands-on, essentially with a Robo advisor solution, although as you said, it's probably half or perhaps more. It's probably even less you know than half of what you pay with the advisor. It's essentially in kind of an autopilot solution that uses exchange traded funds so the case of betterment you'd own indexes that cover the broad market, and those indexes would be based on some allocation of stocks and bonds that's consistent with your age and objective, so you don't the broad market. It's a passive investment strategy that's intended just to capture the moves of the market over time and the others some basis for why you might want to do that.

The benefit though to an advisor actually taking control of this is, there can be a bit more hands-on in terms of the allocation. The investment strategy.

The tax efficiency of this if you want to do any giving that can be factored into this using appreciated assets over time. Once you have a required minimum distribution down the road so you get what you pay for and I think there's a good case. This amount of money to have somebody looking after it on a regular basis. The downside of the 401(k) with this amount is your limited in those investment options to just a few investments inside the 401(k) as opposed to the total investment universe than the advisor would have access to. So I encourage you to find the CK in your area. Two or three to interview it moneywise live.org breaks down the Y will talk a bit more off the right hand moneywise live biblical wisdom for your financial journey west coast taking your calls and questions. Today we have a couple of lines open 800-525-7000 ask you whether you've prayerfully considered supporting moneywise media. If you consider yourself a part of our moneywise community.

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Let's head back to the phones and Mike is in Wisconsin. How can I help you sir… Retire 57 years old and my wife waylay rental property or about hundred $30,000 which were wondering if we should sell and put it into retirement called or were getting $650 a week. Mom income on that. So should we keep that and have a steady income there or take the lump sum talent take the lump sum retirement called yeah well you wouldn't be able to just dump it into retirement account. It would be a taxable account, you would certainly be able to invest. Is that what you thinking well yeah I guess what I mean what I believe that you'll look into it too much. All salad or keep it know it's a great question.

You know, here's a way I would walk through this year. You want to look at what you're generating now on a monthly basis and compare that to what you could reasonably expect to generate safely. You know, if you were to invested so you said you're pulling at about $650 a month, or about 8000 a year. If you were to sell this you would you have the fees the real estate fees, and then because it's a rental property you have any capital gains on the the other proceeds or SKUs with the profit that you make, and then if you were to turn around and invest that in a let's say end up with the no hundred and 15, 220,000 you'd probably end up with somewhere around 400 a month on a really conservative basis where you'd want to know generate enough to protect the capital and throw off an income which would only bring in about 5000 5500 a year so you know, I think, all things being equal, at least currently. I don't see you. Perhaps bringing in as much. You know, as you're bringing in right now. If this is invested in a way that it doesn't take too much risk and allows you to safely pull off an income. But the trade-off I think, to consider around this decision is not only what you can generate on a monthly basis, but as you head into this next season of life. Do you want to be a landlord and you know are you comfortable with the upkeep and the involvement that you have to put into maintaining this property or would you prefer a more passive investment strategy which is kind of the nonfinancial aspect of of this decision so tell me your thoughts on those two pieces. One is kind of the fact that you'd probably be looking at a little bit less in the form of income on a monthly basis with the investments in order to protect it and then secondly, the trade-off with you having to be involved as a landlord and just the work that goes into that ball is really not too much work. We are completely ready to halt before we rented it out basically know what we did all brand-new appliances, carpet window doors everything completely read that it is not much upkeep and yeah I guess I don't I don't mind doing what are you okay okay so you're young youth, you've got the ability to do this.

It has been too much for you.

Are you relying on that 650 a month to you as a party or budget. Not really. We've got all to be getting about three installed on a mom all through a pension and then we can get into our annuities 59 1/2 will be a little bit of a bridge. We have about hundred 70,000 in savings and our portfolios around 750,000 were not exactly meet birding but dummy will become a couple will look what were doing and are you planning to pull income off of the 750 years that money just access that's going to continue to grow all for now it will just continue to grow because we can get by on our pension. This rental well, I think, given that new information for me around you, having you know, three quarters of $1 million in investment assets. In addition of this property. I'd probably hang onto it is generating a phenomenal return.

It's not been a lot of work for you and it diversifies you among a different asset class. So you're not all. At the risk of the stock and bond markets.

You have real estate in the mix here which you know is I think and give you further diversification and then obviously down the road if at some point it becomes too much in the way of upkeep. You could sell it but I think I you guys are and obviously a really strong position. Living well within your means you've got plenty of income you got phenomenal assets that you don't even need to tap at least at this point because you're living modestly, so I'd probably hang on to the property as long as you can continue to earn that income and stay really well diversified.

I think the only other thing to look at Mike is just.

Do you want to do any giving you out of this and before you sell this property. Look at an opportunity to perhaps move a portion of it into a donor advised fund or something like that where you can mix miss out on the any capital gains that you have coming to you and do some additional giving is a part of that just given that that sounds like you'll have more than you need at this point so just think and pray through that. But in terms of thought, the decision to sell it or keep the property, I'd probably say based on everything I know I'd hang onto it. Thought all along yet another light it on our blog also appeared that our daughter by and do the same thing that really very good. Listen, thanks for checking in with us Mike. Tell your wife I agree. End of best to you guys in the days ahead. Lord bless you on the Boca Raton Florida quickly. Tony, how can I help user yeah how it all out getting out on a bike for piety, but my mom thought that kind of thought about the bed she got bigger and told you want and I'll call you by not go on company and on and on and on. Something that will hurt that on the mortgage payment part but we got up to 400,000 so we have been looking out thinking about refinancing my current maybe, without pay, my dad have more cash flow of market I see. Okay, let's do this Tony.

I want to give you my thoughts on this and I have a couple of follow-up questions that we need to hit a quick breaker last one of the program today so let's do that you hold the line were to take a short break. We come back I'll I give you my thoughts and we'll go from there. This is moneywise live biblical wisdom for your financial decision statement is still more to come. Just around the corner. Moneywise, live from Rob Webster host Tony from Boca Raton called it just before the break is sharing with us his desire to help his mom by whole she's currently renting love for her to take that same amount and put it toward a mortgage payment and he wants to help her do that. Tony I think the question is whether you and your wife are in a financial position to do that. I appreciate your generous heart and your wanting to help your mom and help her make wise financial decisions. I don't want you though to get overextended in the process. Your current home you got about 170,000 in equity units were 370. You said you about 200,000. You've got the two car loans and about 16,000 in credit card debt which tells me that you know you've been, for whatever reason, whether it was you know the extenuating circumstances are just living beyond your means you spent beyond what you had the ability to pay.

And that's a red flag for me. That tells me you need to get your financial house in order.

Would you know if you would just call me saying should I refinance to pull cash out to pay credit cards I'd say no because in just about every case. When you do that usually are treating the symptom of the problem and not the problem, and so it takes the pressure off. It takes that unsecured debt now secures it to your home and then your to call me back.

Typically am saying this is what you're gonna do, but typically that person to call me back in here and say yeah the credit card debts back because we didn't know we were living on a budget. We were overextended, spending more than we had. And then that's good to be magnified by the fact that you're trying to help mom get into this house and put your name on yet a second home that has a you know of very large mortgage on it so I guess those are my issues, you know, I realize you said she has about 20,000 to put down on it, plus she could cover the mortgage, which with what she's currently paying toward rent, which is probably no small amount. How much were you looking to add to her 20 to help her get into this, or were you just gonna put your name on it by my my name on it and help her with the monthly mortgage payment by how how much were you planning to contribute toward the mortgage payment like 200 hundreds but if I get to pay that dad dinner that I have yet yeah yeah well I can say I appreciate what you're trying to do. I genuinely do when we want to honor our parents. I think that's very biblical I just have concerned some concerns here that you're going to get overextended by cosigning on a property really can't afford and try to put some money against that on a monthly basis. When you've got, you know your credit card debt and I really don't want you to take that 16,000 and added to your house because of the reasons I mentioned you were taking unsecured debt, securing it to your home and I really have some questions about whether you know you guys are making progress on that on your own what I'd love to see you do is just say to mom. Listen, let's keep renting for a little while. Let me take care of my financial situation I get you on a credit counseling program. I take every bit of that 400 you're going to send a mom and try to go after those credit cards not roll that into a new mortgage and extended out for 20 or 30 years, you know, I would really just focus in on getting that paid off and then when you're a little financially stronger then you say to mom and by the way year to down the road we may see some housing prices a little better than they are today because the housing mortgage been red-hot. Then you guys look at buying something at that point I realize that's probably not what you want to hear but I just think that's more prudent. Do you follow me and I do understand that we have been working for four years and that mean we are still continuing on the we went from 25,000 that we had caused a meet up to get down below 2000 and we had all of that, the paper because I don't talk to them yesterday so we got we have been consciously trying to reduce everything that Mark Mark Mark could get the point. But not encouraged by that. I really am. But I still think it's premature for you to put your name on a second property.

I just don't think you have the financial ability to do that, especially when you're committing to subsidize the payment which tells me that she can't afford the house. Either you as much as I love the idea of you helping her. I just don't think you're quite ready. So I'd wait until you get these credit cards paid off before you consider anything like this is just my best advice for you, but don't hesitate to call back at any point and will certainly pray to God gives you some wisdom. Thank you for your call today Tony, Indianapolis, Indiana hi Linda, how can I help 65 years old. I have no say I'm on Social Security ability I owe $50,000, all I got 15 15,000 out of credit card debt payment house out within the five years or within five years, or what do I need to do the same. Yeah well would tell me about this house often five years is that your your own goal or is there something that happens with the mortgage and five years ago. Now I'm 65, you know that polio when I was little and almost Social Security disability. I do work today so we can now count want to pay my house out within the five years you know that I do got credit card data like 1500, 15,000 swell a couple thoughts to be number one is just make sure your within the rules of what SSDI allows you to do in terms of work. There's some pretty strict limits there. If you have what's called substantial gainful activity. You know that will eliminate your your benefit there. So just check into that. First of all, and maybe you are you have. But secondly, I wouldn't be as focused on the house right now as I would that credit card.

If you have margin left over and all I'd be putting it on that credit card debt of roughly 15,000 I think you said at this point. Once that's paid off that's gonna take a big load off and give you more that you can use to shore up your savings, which is really another huge priority and I would be with that excess you have on a monthly basis. The first thing I do is open a savings account separate from your checking and I put a little bit in every month into you get to $1500, then I'd stop there and take every other bit of margin and move it toward the credit card debt try to get those paid off. I wouldn't touch any extra principal payments on the house until the credit card that is gonna just doesn't make sense given what you're probably paying an interest Linda. I would also connect with my friends@theqatarchristiancreditcounselors.org Christian credit counselors.org. Their number is 800-557-1985. If you'd rather call 800-557-1985.

These are Christians that would help you get those interest rates down, get on one monthly payment every month and pay off the debt.

80% faster so that be on my best advice for you but if you have other questions along the way. Linda don't hesitate to give us a call when you finish today in Lakeland, Florida hi Gina, how can I help you so much for taking my call. Your opinion on right now we know that we don't have a buyers market. We have a home that we know it would give a profit of about $220,000 that we told it, and then I thought we would have to take that money and reinvested in that it probably not as good of a quality and end up with a mortgage. Of course, because the heart hi market that were in trying to get your opinion on what you're thinking about what might be happening in the housing market and what kind of direction we should go.

Yeah, great question Gina.

So you talking about your primary residence. In both cases you be selling where you currently live in buying your new primary residence is a right correct okay and you said you would make a profit of about 200,000 between 200 and 220,000 that would make you okay and you live thereto out of the last five years. I'm sorry that you live thereto out of the last five years, yet okay great so you shouldn't have any capital gains on this. So the question then is why are you selling your looking to buy something a little larger or what are you trying to accomplish by selling yet. We would like to work out okay. You want to downsize okay and why do you think you would have to spend more than what you would already have spent on this. We all right now hundred and 55,000 and every home that we look at now it's up to 200 small ball like it hundred square feet, still up in the 240,000 range were thinking we would have to take all of our property and reinvested into a home port to be close to the intake. We don't know that we don't know the market going to do. Should we wait to come back down the buyers.

I know I don't think so me as long as you're buying the home that makes sense for you meeting it fits in your budget insensate because your downsizing and you have so much profit.

That's not the issue. You know what's challenging is for folks that don't have a property to sell, so they're currently renting or their buying their first home that you know you are coming out of the home in a sellers market so you're going to maximize the sale on on this existing home and then turn around and plow those profits into the next, on which yes is still a sellers market you be paying a premium, but you collected more than you should have all things being equal on the sale of the property and so you know I don't have any problem as long as it's a wise move for you.

Where is the housing market going well course, no one knows, but what I would say is we've already seen some of the pooling of the housing market.

What led to these incredibly high growth rates in housing that was real demand people moving out of downtown and to the suburbs.

The millennial's becoming ages where they're having kids and wanting a single-family home. All that is real demand. We have low inventory. Some of that that was being corrected and that's why were seeing a softening in the housing market. It's not a bubble. So I think as long as you're selling the top dollar.

Go ahead and buy the home that's right for you. I wouldn't delay that if you just based on what's going on in the market just down the line. We'll talk a bit more off the year that's going to do it all for us today moneywise. Love is a partnership between Moody radio moneywise media want to say thank you to my team today Jim a Amy Deb and Gabby T.

And thank you for being here as well be back tomorrow look for you. The question