

money money money
Glen James
Join Glen James as he helps you sort your money out and get invested. Money, property, careers, life & everything in between.Formerly my millennial money. Hosted on Acast. See acast.com/privacy for more information.
Episodes
Mentioned books

Feb 17, 2021 • 53min
406b creating a passive income + quitting the rat race (Pat Flynn, USA)
Pat Flynn (USA) is a father, husband, and entrepreneur. He owns several successful online businesses and is a professional blogger, keynote speaker, Wall Street Journal bestselling author, and host of the Smart Passive Income and AskPat podcasts, which have earned a combined total of over 60 million downloads, multiple awards, and features in publications such as The New York Times and Forbes. Wow. In this episode Glen chats with Pat about:👉🏼making the move from corporate life to entrepreneur - the fears, the leaps you'll need to take and how to look forward👉his personal story - the lessons he learnt, the fears he had and how he began moving in a new direction👉🏿his book 'Will It Fly': booktopia.kh4ffx.net/doK9P7👉🏼how to create new side hustles or businesses - look first to help one person and encourage it to grow from there👉🏽the idea of passive income and what that actually looks like👉🏻tips for positive and effective mindset - how to make the most of what seems like the worst situationSubscribe to Pat's podcasts:Smart Passive Income Podcast: https://www.smartpassiveincome.com/shows/spi/AskPat Podcast: https://www.smartpassiveincome.com/shows/askpat/Follow Pat on Instagram: https://www.instagram.com/patflynn/?hl=enGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Feb 15, 2021 • 48min
406 money goals, pros + cons to strata property, inheritances + P&I loans vs interest only
Host of the gen z money podcast, Azaria, jumps on the show with Glen to answer your questions!👉🏿Q1 how do you afford big holidays while paying off a mortgage?👉🏻Q2 what are the benefits and potential issues with buying a place that has strata fees?👉🏼Q3 what do you do if you receive an inheritance? What should you focus on?👉Q4 what happens when your family deliberately liquidates your deceased parents hedge fund, and you only discovered about your inheritance after they dissolved it into the family fund after you turned 21?👉🏿Q5 what are the benefits of an interest only loan vs principal + interest loan when it comes to investment properties? Why would you choose one over the other?👉🏻Q6 how to quit your current job?Subscribe to gen z money: https://player.whooshkaa.com/shows/gen-z-moneyRegister for our upcoming Gold Coast event on Thursday 25th February: https://www.trybooking.com/events/landing?eid=715641&track=shownotesSend your questions to questions@mymillennial.moneyCheck out my millennial coffee - support the show, save money and drink delicious coffee made at home: https://bit.ly/m3coffeeBuy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalHere's the digital download version: http://bit.ly/mymoneyjournaldigitalGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Feb 10, 2021 • 57min
405b being a full-time influencer with almost a million followers
Friend of the show, business owner and social media influencer, Nathan McCallum, came back on the show to chat about money and how that intersects with being an influencer:👉🏿what talking about money was like growing up👉🏽how he thinks about his money now - what he prioritises and how money happens when you're an influencer on social media👉some of the perks of his work👉🏾some tips for how to think about saving money👉🏻a bit about his business and how they tackled COVID-19👉🏽his podcast - The Milestone Strength Show: https://www.buzzsprout.com/524395👉not caring about anyone else's opinion👉🏾and some questions from the m3 community!Follow Nathan on Instagram: https://www.instagram.com/nathan/?hl=enCheck out Nathan's business, Milestone Strength: https://www.instagram.com/milestonestrength/?hl=enBuy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalHere's the digital download version: http://bit.ly/mymoneyjournaldigitalCheck out my millennial coffee, roasted by Glee Coffee Roasters: http://bit.ly/m3coffeeCheck out the meaningful money cards created by Glen and Azaria, host of the genz money podcast: http://bit.ly/m3convocardsHead over and subscribe to our newest podcast, my millennial health: https://player.whooshkaa.com/shows/my-millennial-healthSubscribe to tyre kickers where Glen, Asher and Dirty Mike review secondhand cars: https://player.whooshkaa.com/shows/tyre-kickersGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Feb 8, 2021 • 26min
405 pay your mortgage off sooner, sharing expenses with a partner + saving for holidays
Friend of the show, financial adviser and podcaster Katherine Hayes, joins Glen to answer some great community questions, including:👉🏻Q1 what's the best way to set up a mortgage and pay it off quickly when you're buying your first property in your late 40s?👉🏿Q2 how do I split shared expenses with a partner and keep some financial independence at the same time?👉🏽Q3 what's the best way to save for a holiday while dealing with rent/everyday expenses?👉🏾Q4 what steps should you do to get ahead when you're on a minimal wage and still studying?Subscribe to Katherine's podcast, Money Madams: https://moneymadams.com/podcast/Use the code 'MMM' and get Katherine's book, Make Money Your Bitch, for $25 ($5 off):https://moneymadams.com/product/make-money-your-bitch/Buy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalHere's the digital download version: http://bit.ly/mymoneyjournaldigitalGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Feb 3, 2021 • 39min
404b Paige paid off $36k in debt in 17 months
Paige paid off $36k worth of debt in 17 months!!! After reading her story on the m3 Facebook group Glen HAD to get her on the show to talk about how she did it. The chat touches on:👉🏽what her debts were and how she prioritised paying them off👉the system she used to get her spending under control, then start fast tracking debt repayments👉🏾tips and tricks that helped increase her income for the repayment time👉🏿challenging the default to consumerism and needing the latest and greatest products all the time👉🏻ways she cut back on expensesCheck out a "Defining Sufficient" session with friend of the show, James Millard: https://player.whooshkaa.com/episode?id=745782Buy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalHere's the digital download version: http://bit.ly/mymoneyjournaldigitalGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Feb 1, 2021 • 48min
404 tracking your net worth, living on a low income + credit card balance transfers
Glen road tripped to Canberra and gave listener, Laura, a mic! They chat a bunch about tracking your net worth (see below for links) and some listener questions:👉🏻download the net worth tracker to figure out your net worth➡➡➡Excel version: https://www.sortyourmoneyout.com/s/m3-my-net-worth.xlsx➡➡➡Numbers version (MAC): https://www.sortyourmoneyout.com/s/m3-my-net-worth.numbers➡➡➡watch this video to help you use the net worth spreadsheet: https://www.youtube.com/watch?v=T1YqEcGZUSE👉🏿Q1: Are the interest free credit transfers a good idea?👉🏽Q2: My investment property is bleeding money and when I looked to sell, I realised I would make a $20-$40k loss. Should I hold on or cut my losses and walk away?👉Q3: I'd love to know more about superannuation fees. Am I better off starting a SMSF now even if I don't have that much in assets? (listen to this episode about SMSF: https://player.whooshkaa.com/episode?id=732781)👉🏿Q4: How do I save money when I earn less than $15k a year?Email us your questions! questions@mymillennial.moneyBuy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Feb 1, 2021 • 40min
GameStop (NYSE:GME), short-selling and Robinhood explained (campfire chat with Glen James & Vince Scully)
We chat about GameStop. Recorded 3:30pm, 1 Feb 2021.Article referenced Washington Post: https://www.washingtonpost.com/business/2021/01/29/robinhood-citadel-gamestop-reddit/Article referenced Wall Street Journal: https://www.wsj.com/articles/gamestop-frenzy-puts-spotlight-on-trading-giant-citadel-securities-11612089000Email us your questions! questions@mymillennial.moneyBuy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Jan 27, 2021 • 50min
403b economics, financial peer pressure + investing in green tech: Cornell Professor Robert H. Frank (USA)
Robert H. Frank is the Henrietta Johnson Louis Professor of Management and Professor of Economics at Cornell's Johnson Graduate School of Management and a Distinguished Senior Fellow at Demos - an incredible guest to have on the show. Glen had a chat with him about:👉🏽how to think like an economist👉🏿a bit about his work - his teaching, research and written works👉trends and culture that affect the way we live, and the way economics moves as a result👉🏾how personal finance trends have changed👉🏼some interesting illustrations to help understand economic ideas and concepts👉🏻the wealthy 1%, taxation, luxury cars and trends that have led to this👉🏽what's impacting the growth of green technology like solar panels & electric vehicles👉🏾read Robert's article in The Atlantic: https://www.theatlantic.com/magazine/archive/2020/03/climate-change-peer-pressure/605515/Get your copy of 'Under the Influence': booktopia.kh4ffx.net/3VzYMGet your copy of 'Success and Luck': booktopia.kh4ffx.net/R4EKNRemember when hanging out in the m3 Facebook group to post pictures in the first comment of your post (just keeps the feed clean) and if someone sends you a sneaky DM selling you weird stuff let admin know 😉Buy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalHead over and subscribe to our newest podcast, my millennial health: https://player.whooshkaa.com/shows/my-millennial-healthGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Jan 24, 2021 • 28min
403 using equity to build, when to borrow money + saving as an entrepreneur
Glen and John answer some more great questions from the m3 community, including:👉🏼Q1: Can I build a house on my vacant land using the equity from it?👉🏾Q2: Credit and lending. What's important? Who does it well? Can you ever borrow money strategically? Should you borrow for everyday things?👉🏿Q3: I'm 30, have 2 properties, one with a stack of equity from a reno. I have a small share portfolio (<$15k). Am I better to recycle some of the equity into the stock market in the current environment, or save it for another property bargain? 👉🏻Q4: Saving when you're an entrepreneur. I have only JUST starting making enough to start contributing to super but am unsure whether it's better to do additional super contributions to make up for lost time, or put the money into stocks.Buy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalIf you'd like to discuss your personal situation with someone from our trusted panel, get in touch here: https://www.sortyourmoneyout.com/reach-outHead over and subscribe to my millennial property for more episodes around property: https://player.whooshkaa.com/shows/my-millennial-propertyGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Jan 20, 2021 • 33min
402b mms: divorce, breast implants + property investing
Natalie was Community Member of the Week way back in February 2020 and so much has changed in her life since then, so Glen had a chat to hear her story! The conversation touches on:👉what her situation was pre-covid, and what changed when covid dropped👉🏽her experience with divorce and how that's changed how she shares money with partners moving forward👉🏼the surgery she had for breast implants, then had reversed, and the effect it had on her money👉🏾her property plans and plans to have a clarity call with John to work out her options (get in touch if this is something you'd like as well: https://www.sortyourmoneyout.com/reach-out)Buy your copy of the my money journal to start achieving your goals and support the podcast at the same time: https://bit.ly/mymoneyjournalHead over and subscribe to our newest podcast, my millennial health: https://player.whooshkaa.com/shows/my-millennial-healthGet $20 off The Glen James Spending Plan using the code "MAGIC". Link to course below!For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.