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This episode is brought to you by Alibaba.com the world's leading B2B e-commerce marketplace they'll help your business stay competitive and discover new innovative products from over 200,000 suppliers worldwide. Check save money off your growing to do list with the help of HelloFresh. Go to hellofresh.com slash earn 16 and use code earn 16 for 16 free meals plus free shipping. We are talking to Erin Lowry she's the author of the broke millennial series of books her first book was named by MarketWatch is one of the best money books of 2017.