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There is a record amount of savings account being deposited right now that we haven't seen in 30 years as people are putting money into savings. And you know what the banks are doing with it? They're leveraging that out in higher interest rate credit cards, loans, lending and other things where they're giving you a point line. Here's a freedom for your listeners. I want you to open up another checking account and put your savings into the checking account, not a savings account. You will become a more valuable borrower for that one move all by itself because the lender can do it. Your money still stay. It's just that you become more valuable as a borrower because that money in that