Episode Transcript
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0:04
It's. My pleasure to welcome you
0:07
hear that Clark Howard show
0:09
where our mission is to
0:11
serve you with a advice
0:13
and information that a powers
0:15
to you make better financial
0:17
decisions in your wife. One
0:19
decision that you can make
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that I believe is a
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really smart one is to
0:25
sign up for our for
0:27
we money saving newsletters a
0:29
court.com/newsletters. Today. I've
0:32
got some significant news I want you
0:34
to be in the know about. With.
0:36
The Future of credit cards. And.
0:39
I'm also going to talk about why. You
0:42
buying the way? This greatest
0:44
television. Is. Really not
0:46
a good. You see your money, I
0:48
don't care how good they work. And
0:51
of course I'm going to answer as many of your
0:53
questions. As. I can. So.
0:57
There. Was one of those legal settlements that
0:59
got a lot of. Reads: On
1:02
media outlets Television. All.
1:05
Over the internet and all that. Bad.
1:07
Illegal settlement involving credit cards.
1:09
Bit. Really was clear as
1:12
mud. And so I want to clear
1:14
that up for you and tell you. What?
1:16
May well be coming. Or.
1:18
It's here's the story. Under. The
1:21
settlement. That. The credit
1:23
card issuers reached. With.
1:26
The plaintiffs that sued them. Is.
1:30
Merchants. Are going to have
1:32
the ability. Potentially.
1:34
As soon as. This.
1:36
Summer would be the earliest. To.
1:39
Charge discriminatory fees,
1:41
Based. On what credit card you pull
1:43
out of your wallet. Let's. Say you
1:46
pull out a Chase Sapphire reserve card
1:48
or Capital One Ventura Eggs. Or.
1:50
And American Express Platinum. Or.
1:53
Any of these premium. High.
1:55
reward kind of travel cards that you
1:57
pay the big annual fee for the
1:59
get all these points, well
2:01
the merchants are paying just
2:04
gigantic fees when
2:06
they take those cards. I
2:08
talked about this back in January about
2:11
how in Australia when you come
2:13
to a register it will have
2:15
an electronic list showing that if you use
2:17
that card you're going to pay this much
2:19
extra in fees and
2:21
retailers and restaurants are
2:23
going to be allowed to
2:26
do the Australian kind of thing at the
2:29
earliest this summer where you'll
2:31
have to make a choice is
2:33
it worth it for you to
2:36
get those Chase or Capital
2:38
One or American Express points from
2:40
one of their premium cards or
2:42
you could have an American Airlines
2:44
Advantage card or United Mileage Plus
2:46
card or Delta Sky Miles card
2:49
are you going to be willing to pay
2:51
two three
2:53
percent extra to use that
2:56
card versus let's say another credit card might
2:58
be fee-free or might be one percent debit
3:01
card might be free to use
3:03
free of fee I mean we're going to be
3:05
in a whole different era of potential
3:08
complexity and I know this
3:10
is weird I'm actually in
3:12
favor of it I know don't throw
3:14
anything at me and I'm somebody who
3:16
earns all these points all over the
3:18
place and cash back and all that
3:21
because it's not right
3:24
that the retailer the restaurant
3:27
the supermarket should just
3:29
be having you come to the register say punch me
3:31
in the nose again punch me in the nose again
3:33
by the banks being able to
3:36
charge these gigantic fees
3:39
to the restaurant or retailer or
3:41
whatever now they're going to be able
3:43
to make a choice they're going to be places
3:45
that say okay it's worth it to
3:47
us because we want those big money spenders which
3:50
tend to be people who pay
3:52
for these big annual fee cards they tend
3:54
to be less price-sensitive when they shop and
3:57
they tend to buy more stuff so
3:59
we hate it but we'll
4:01
take them and we're not going to feed
4:04
them or people may
4:06
say nope nope we're
4:08
not going to take those at
4:10
the normal cost we're going to charge
4:12
the surcharge so it means
4:14
that you and I when these start appearing are
4:16
going to have to pay attention and we've seen
4:18
this for a while with
4:20
like school websites or
4:23
government websites when you
4:25
go to pay a bill and it'll say you
4:28
know you want to use this credit card it's
4:30
you know 2.7% or this one's 1.8 or whatever
4:35
so we've already experienced it some
4:37
in our lives with online bill
4:40
pays that we're paying for different things
4:43
but now it may
4:45
migrate to being just part
4:48
of routine everyday life and
4:51
I was in Australia in January and
4:53
came back and talked about it and
4:55
what I found was I'd get to a register I had
4:57
to look at the digital charges
5:00
and that would control how I paid
5:02
for something what form of
5:05
payment I used which card I
5:07
used and there
5:09
will be other business models that
5:12
emerge it's not
5:14
beyond reason that
5:16
we might have big retailers that
5:19
come out with their own payment platform
5:21
that Amazon in addition to having the
5:23
Amazon card and Walmart having their
5:26
Walmart credit card they may have some
5:29
kind of payment portal that
5:31
you can pay to them and
5:34
avoid fees these are
5:36
the kind of things that if you let
5:38
the free market work you
5:40
let experimentation come forward who
5:43
knows where it's going to play now ultimately
5:45
it means you're going to have to make
5:47
a value judgment our
5:49
mileage plus points advantage
5:52
points delta sky miles
5:54
points are they actually worth you
5:56
paying extra for at the
5:58
register there's no. I
6:01
mean the only time it would even marginally
6:03
be worth it is if you're
6:05
close to a next level of whatever
6:07
status and you just got to get
6:09
there and you need to do a little more credit
6:11
card charging to get to it, maybe
6:14
you can justify the cost against
6:16
the benefit. But everyday use,
6:20
no way. No way.
6:22
No way. You downgraded
6:24
your airline card, didn't you? No. I
6:27
thought you were going to do that. I didn't do it yet. Stephen
6:30
Missouri says, I have a question
6:32
about reducing our savings rate. Gasp.
6:34
Currently my wife and I are
6:36
saving roughly 29% of our
6:38
gross income in... Wait, wait, wait, wait. Steve
6:40
is upset that they're saving 29%. Yeah.
6:44
Steve, Steve. Wait,
6:46
you got to hear his reason. It's a very
6:48
good point. Yeah, but wait, wait, wait. Let me
6:50
start with this. The average amount, the average American
6:52
is saving is like three cents of every dollar
6:55
and you're saving 29. You got nothing
6:57
to feel guilty about no matter what Krista
6:59
is going to say next. All right. Okay.
7:02
So they're saving 29% of their gross income
7:04
in various retirement vehicles. We want to
7:06
reduce our savings rate to 25%. My
7:08
wife works in IT full-time. I'm a
7:10
firefighter and
7:13
work 24-hour shifts. On my days
7:15
off, I watch our two toddlers to
7:17
save money on the crazy high daycare
7:19
expenses. Currently, our boys go to daycare
7:21
twice a week. We want to
7:23
start putting them in daycare three times a week because
7:25
daddy daycare is burnt out and needs a day off
7:27
once a week to maintain our home or just sleep
7:30
after a long shift. Anyway, what
7:32
is the best way to reduce our
7:34
current retirement contributions? And then
7:36
he lives... My wife contributes to her 401K
7:38
up to the 6% company match. We both
7:40
max out Roth IRAs. I contribute 13,000 to
7:42
my 457B. I can retire in 10 years
7:44
and start pulling from
7:48
it penalty free at 45. I
7:50
max out my HSA. Where should we make
7:52
cuts first? Okay. First things
7:54
first. Let me go back to basics. You're
7:58
saving 29% in your... going
8:00
to cut it all the way down to 25%. You
8:03
got so much to be proud of, I don't
8:05
even know where to start. You got two little
8:07
kids and you're still living on 75% of
8:09
your pay and saving
8:11
25%. You're
8:13
a perfect example of even
8:15
with kids being able to live on less than what
8:18
you make and create financial
8:20
opportunity for you. You're able to
8:23
retire. What age again is he
8:25
going to be able to? 45. 45
8:28
and you'll have some kind of as
8:30
a firefighter, some kind of really nice
8:32
pension to carry income forward.
8:34
This is great stuff. Okay, so
8:37
of the things here, the
8:40
401k has to stay like it is because you want to
8:42
pick up all the match. So
8:44
the Roth IRA might be on the table. Your
8:47
13 grand to the 457B
8:49
might be on the table. The
8:51
HSA money
8:53
is way too valuable. You got a
8:55
current tax deduction, you get to spend the
8:57
money tax free and it grows tax free. HSA
9:00
absolutely can't touch it. So how do you
9:02
decide between reducing the
9:05
Roth IRA contributions and
9:07
reducing the 457B? I
9:10
guess I would say the most important
9:12
way to make that decision is
9:16
does the 457B have higher
9:19
management costs or
9:21
does the Roth IRA have higher management
9:23
costs? Whichever is the lowest
9:25
you want to leave and management costs, you
9:28
want to leave as much in place as
9:30
possible and pull from the
9:32
other. Even with your ability to
9:34
pull penalty free at 45, I'd
9:37
say you could live to 90 or
9:40
older and so you got a
9:42
long time in front of you, you have to fund
9:45
and so I wouldn't go strictly based
9:47
on the fact that one you're
9:49
going to withdraw from at 55, the other at 45. I'd reduce
9:53
the amount of contribution to whichever has
9:56
the higher management fee that you have to
9:58
absorb. temporary because when they
10:00
go to elementary school they probably won't need
10:03
the daycare as much. Right,
10:05
but this is for the next
10:08
few years and already doing so
10:10
much to create financial security and
10:12
financial independence. Awesome. Elaine in
10:14
Florida says, when renting a U-Haul truck for a local
10:17
move, do you need to take out the insurance?
10:19
Almost always and not based on it
10:22
being local or long distance because
10:25
your personal auto insurance will have
10:27
a limit on how many foot
10:29
truck you can rent that
10:31
will be covered by your own automobile
10:33
insurance. So you need to
10:36
call your automobile insurer Elaine and find
10:38
out what is the
10:40
maximum length truck that you
10:42
can rent. With my insurance, I
10:44
think it's a 12 foot or less,
10:47
I can have covered by my own auto
10:49
insurance but bigger than that is not. So
10:52
you want to know that your auto insurance covers
10:54
the vehicle and covers
10:57
the liability of you
10:59
driving vehicle. As
11:01
long as you're okay with the length truck, I
11:04
had something recently where I
11:06
went to get a rental truck for the
11:08
day and I had booked
11:11
one size and got there and they said,
11:13
oh we have good news for you, we've
11:15
upgraded you to like this mega truck and
11:18
I couldn't take it because it
11:20
would not be covered by
11:22
my auto insurance. So I had to
11:25
wait for a smaller truck to be
11:27
available. Alright, so this is a show and
11:29
tell. Joe in Florida sent
11:31
this video that goes along with his question so
11:33
I'm going to show you a quick clip from it,
11:35
dash cam video. Oh,
11:40
oh, oh let me paint the picture of
11:43
what I just saw. He says
11:45
someone swerved in front of my wife's 2010 Sienna. And
11:48
they did swerve in front of it. They were in
11:51
a lane, they were supposed to
11:53
go straight. They decided that the
11:55
last second they were just going to
11:57
hang a left right in
11:59
the path. of the CNA, bam.
12:02
Yes, we have a dash cam thanks to
12:05
your recommendation which fully proved the other person
12:07
was at fault, definitely clearly. We
12:09
filed a third party claim with their insurance and
12:11
they accepted 100% liability. Originally
12:14
the estimate was $5600 to repair and they
12:16
valued the van at $4500 therefore it's
12:19
totaled. I fought their valuation with comparable
12:21
ones and got the valuation up to $7700, woohoo.
12:25
Oh, I'm right there because
12:27
that's important. Drivers will
12:29
lowball you when they say they're going to
12:31
total out. They will lowball you
12:33
on what your vehicle is worth. It's not
12:36
all unusual for them to come in about
12:38
30% below the actual
12:40
fair market value of the vehicle. I
12:43
can't run the math that quick to see 77 to
12:45
56. Yes,
12:47
he can. Yeah, that's like 30%. And
12:50
you ran the math. Okay, got up to
12:52
7700 and he says woohoo but the car was
12:54
still totaled. We got a second opinion for the
12:57
repairs that came in at $3400 so now the
12:59
car went from totaled
13:02
to being fixed, another woohoo. So
13:04
everybody won, the insurer won
13:06
and you won. Next, I filed a
13:08
diminished value claim. I provided some documentation in the
13:10
estimate of about 14% of the new valuation. They
13:14
gave us $843, about 11% as a cash payment. My
13:19
wife loves her 2010 Toyota Sienna and since
13:21
it could be fixed, we fought hard to
13:23
get it fixed. Another knowledge I've
13:25
learned from team Clark over the last 25 plus
13:27
years is invaluable to fall back on him. I'm
13:29
always saying on Clark Howard they said. Get
13:33
a dash cam. Yes, that was key. Yeah,
13:36
I mean the dash cam thing, we just
13:38
talked about it again on the dash cam,
13:40
how valuable it is and they're as cheap
13:42
as $10 to buy
13:45
one on amazon.com, walmart.com.
13:48
Usually the $10 to $20 ones you got to buy, micro
13:51
SD card usually or an SD card.
13:54
Those are really cheap now and
13:56
they do continuously recording. You're
13:59
in an accident. have the proof. Let's
14:02
hope you're not finding proof that you were at
14:04
fault, but so often people
14:06
have amnesia about what they might have
14:08
done wrong and the dash
14:10
cams are great. And we
14:12
told the story before, Krista, about you
14:14
in the wreck where somebody claimed it
14:17
was your fault. And then
14:19
the police officer watched the dash cam
14:21
video that's built into the Tesla. You
14:23
don't have to add separate camera and
14:25
the officer said, that's the clearest video
14:27
I've ever seen. And then wrote the
14:29
other person the ticket is
14:31
being at fault. It was true
14:33
serum. Yeah. It was great. So
14:35
I'm so glad you had
14:38
the strategies, you knew everything
14:41
to fight your battle with the insurance company
14:43
and you won and you won and
14:45
you won all the way around.
14:48
I hope the repair on the
14:50
Sienna was great and that your
14:52
wife can drive it for many, many years
14:54
to come. Coming up
14:56
ahead, you could spend the kind
14:58
of money you're talking about just
15:00
buying a new television, going into
15:02
Best Buy or Sam's Club or
15:05
Costco or wherever you'd see TVs.
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16:36
I want to start
16:38
with a funny nostalgic thing. So
16:42
people are setting up
16:45
little libraries not for books.
16:47
You know how you'll see these free
16:49
take one, put one
16:51
in whatever little libraries that are
16:54
in neighborhoods all over America now.
16:57
Now people are doing the same
16:59
thing they call Blockbuster libraries and
17:03
they put old DVDs into these
17:05
that they're not interested anymore and
17:08
you come and you get a DVD and you leave
17:11
others in there and all that. And why are
17:13
people going back to an
17:15
ancient technology? By the way, when
17:17
I read a story about these
17:19
Blockbuster libraries, I went
17:21
online at retailers see how hard it
17:24
was to find a new DVD player.
17:26
It's not hard at all. Now there's 25 bucks.
17:29
The reason people are doing it
17:31
is you buy this fancy
17:33
new TV and the
17:36
video quality of streaming is
17:39
so bad. So
17:41
you go into the store. I don't
17:43
care what store it is and they have
17:46
the TVs on display and they're all in
17:48
these closed circuit things. Probably
17:50
running from DVD players. And
17:53
the pictures look crazy
17:55
great. So you look
17:57
at the latest LG, the latest Samsung, the latest Samsung, the latest Samsung, the latest
18:00
song, the latest Sony, the three
18:02
were considered to be the premier brands and you
18:05
look at them and you're like wow wow
18:07
look at that I got to get
18:09
one of those and see you got one
18:11
of them and then you get home
18:14
you plug it in you hook it up to
18:16
your Wi-Fi in your home and
18:18
then you start loading your streaming
18:20
products whether it's Netflix or Hulu
18:22
or Pluto or whatever
18:25
it is and you add those in and
18:27
then you start watching video and you're like
18:30
what happened here? Wait a minute
18:32
what happened? Because you saw this
18:35
demo thing on the LG or
18:37
the Samsung or the Sony and
18:40
you get home and it's like where's
18:42
that picture? You're not gonna get
18:44
it because that picture
18:46
requires perfection and video source
18:49
that you're not gonna have
18:51
the way we watch content today. It doesn't
18:54
matter what it is except the only
18:56
way you might get that picture is
18:58
if you have an antenna hooked up to your
19:00
TV and you're pulling the HD
19:03
or 4k signal from your
19:05
local television stations and
19:07
then you'll see what that TV can do
19:10
somewhat like what you see in the store
19:12
but most of us most of the time
19:15
we're watching streams whether
19:17
they're fast you know the free ad
19:19
supported TV the free streams or
19:21
we're watching whatever it is something
19:23
like YouTube TV or Fubo or
19:25
a sling or whatever
19:28
bringing in traditional kind of cable
19:30
fare but whatever it
19:32
is you're not seeing the picture you
19:34
see in the store so do
19:37
not abuse your wallet do
19:39
not fall for those demo
19:41
videos in the store by
19:44
the cheapest rock-gut TV you can
19:46
get in the screen size you
19:48
want whether it's 40 inch 50
19:52
inch 55 65 75 98 85 110 sounds like I'm
19:54
a quarterback calling
20:00
out signals. Mike! Um,
20:03
buy the cheapest because
20:05
the picture is gonna look really
20:09
good having that big
20:11
screen television, but again,
20:13
nothing like you see in
20:16
the store. Period. I
20:19
know you bought one of those. You bought
20:21
an expensive Samsung or LG a few years ago?
20:23
No, I bought a Sony from
20:25
Costco. It wasn't terrible, but it's
20:27
really good. I mean, I do have 4G
20:30
programming. I pay for the extra thing on
20:32
YouTube, TV and Netflix. 4K, I mean, yeah,
20:34
whatever it's called. 4G, 4K, it's like
20:36
220, 221 whenever it takes. Old
20:40
movie reference. Yeah, I love that TV.
20:44
Okay, and I gotta un-sale at Costco. I
20:46
mean, am I forgiven? That's still a lot of
20:48
money. I mean, see, if I
20:50
can buy, like right now, you
20:52
buy a 75-inch TV for
20:54
$499 or you can pay
20:59
many, many thousands of dollars. Yeah, I did
21:01
the payment. What's the difference between the $500
21:03
TV and the one that's many thousands? Whatever
21:07
the price difference is between them. When
21:09
you get them home and you're watching
21:11
streaming instead of some kind of closed-circuit
21:14
beauty, and it is fun being in
21:16
Costco or Sam's, and you see that
21:18
stuff, you know, where they have the
21:21
video of the, it's always nature.
21:23
You know, they'll have the mountains and
21:25
they'll have the streams and the sky
21:27
and they'll have a close-up of some
21:29
kind of little animal, you
21:31
know, and it's just like, it's
21:33
unbelievable it's better than if I was at
21:36
Yellowstone looking at this stuff. There
21:38
is 4K programming available. Yeah, but it's
21:40
not gonna look- What if your football
21:42
games could look so good that you could see
21:44
the bead of sweat on the guy's
21:46
face coming down? Like wouldn't you want that? So
21:49
I had that this last season with
21:52
YouTube TV. Yeah, you can do the 4K
21:54
with that. And so I, you know, I
21:56
could see on my cheap TV, I could
21:58
see the beads of sweat. could see
22:00
the individual blades of grass and
22:02
as soon as football was over, I discontinued
22:05
the 4K. Alright,
22:07
Cherylin in Texas says, I'm a fairly new
22:09
listener, 6 to 7 months, but I've
22:12
learned a lot listening on my daily morning
22:14
drive. Welcome, welcome to the clerk's
22:16
squad as I like to call it. We
22:18
live in a part of Texas where we
22:20
do not have a choice of utility providers.
22:22
We've been notified the utility company is switching
22:25
to smart meters. We are considering opting
22:27
out but that's $166 charge plus $16 a month to two so and
22:32
we have two meters on our property. There
22:35
are definitely mixed reviews on smart meters, mainly
22:37
some who say it gives the utility company
22:39
control over your energy usage. But
22:41
don't they have that anyway? Others say
22:44
smart meters might seem cheaper now but just
22:46
wait a few years and your energy costs
22:48
will increase. We live outside the city limits
22:50
on a small acreage and if
22:52
we go with the smart meter because we don't want
22:54
to pay the fee to opt out, would it be
22:56
in our best interest to consider a backup generator? Just
22:59
trying to make the best decision before they show up
23:01
to switch the meter. Okay, wonderful.
23:04
Alright, so Cherylin, smart
23:06
meters can be anywhere from just
23:08
one that can be read remotely
23:11
and saves them a lot of money on labor costs
23:13
not having to come read it to
23:15
ones that do time of use
23:17
power. So you pay two
23:19
to seven in the afternoon, they charge
23:21
you like five times the bill, two
23:23
times the bill, whatever per kilowatt. Overnight
23:26
they might make power nearly free and
23:28
all that time of use is
23:31
something the power companies all
23:34
love. Even though you're in a regulated utility
23:37
area of Texas, most of the state as
23:39
you know is deregulated and
23:41
everything is about what's the cost
23:43
based on peak. How
23:45
much more is it when there's a heat
23:48
wave in the afternoon? How much
23:50
less is it other times? And
23:52
so this is definitely where
23:54
power is going. And
23:57
I would say instead of a generator
23:59
to reduce. used during a peak time
24:02
because you're in Texas, which
24:04
is one of the most favorable places in
24:07
America for solar, instead
24:09
of spending $166 times 2 plus $16 a
24:11
month times 2, let them
24:17
put in the smart meters and
24:19
consider putting in a
24:21
couple of solar panels or five solar
24:23
panels or whatever it is that you
24:25
can put in. They would
24:28
not be that expensive or as an
24:30
alternative, you could put in
24:32
instead of a generator where you're going
24:34
to be running potentially a natural gas
24:36
or propane, you could put in a
24:39
battery wall kind of stuff where
24:41
you store extra power if
24:44
they go to time of day use when
24:47
you're overnight, when power is
24:49
extra cheap, fill up the battery
24:51
packs and then each day
24:53
when power is at maximum price per
24:56
kilowatt, you then run off those
24:58
batteries and it could end
25:01
up saving you a lot of money. There
25:03
are ways to handle this and
25:05
if you go to full mandatory
25:08
time of use, it forces you
25:11
to do laundry at different times
25:13
and all kinds of things to
25:15
avoid those peak periods
25:17
where they're charging so much more
25:19
money for power. Jonathan
25:21
in Texas says, I'm traveling to Switzerland
25:23
for a family member's memorial service in
25:26
August. I'm sorry you lost a loved
25:28
one. In August and I need to get
25:30
an international driver's license. Could you
25:32
please help describe how I would go about getting an
25:34
international driver's license? It's a bit
25:37
confusing. I want to make sure I don't get scammed. It's
25:40
amazingly easy. I have one because
25:42
of how much I travel and
25:44
rent cars overseas and
25:47
I just went to a AAA office.
25:50
They do them at most
25:52
AAA's for members or non-members.
25:54
It takes just a couple of minutes, costs
25:57
very little money and I
25:59
have no idea. never once been asked
26:01
to show it in
26:04
any circumstance, but I
26:06
have it in my backpack
26:08
just in case some day
26:10
I get to the car rental counter and
26:13
they say we want to see your
26:15
international driver's license or I
26:17
have an unfriendly meeting with the
26:19
police overseas and they want to see
26:21
the international driver's license. I'll
26:24
have it, but it's not big
26:26
hassle to get one and
26:28
likely something you'll never have
26:31
to show. Joanne in Virginia says
26:33
you said your son is going to be a
26:35
pilot for the airlines. Doesn't that mean you and
26:37
your wife can fly for free on that
26:39
airline? So Joanne that used to mean
26:42
that and technically it does
26:44
mean that. First of all
26:46
it'll be a few years before an
26:49
airline decides they want him. He's got to
26:51
get his professional pilot rating. He's
26:53
got his first step but he's got
26:55
several more to go through. But
26:58
the problem now is that airlines
27:00
have learned how to fill to
27:02
virtually every seat on a plane.
27:05
So pass riders end up
27:08
left behind sitting at
27:10
the gate again and again and again
27:13
because the airlines have so
27:15
figured out with computer modeling how
27:18
to get most planes we fly on 100%
27:21
full. So yeah
27:23
at one time it would have been
27:25
like the greatest thing ever. I
27:27
would just be able to go everywhere
27:29
with my wife and pay just
27:32
small junk fees and pay nothing
27:34
to fly pretty much. But
27:37
today it's a different game. So
27:40
even when our son is flying for
27:42
whoever he's flying with my
27:45
wife and I will be on whoever has the
27:47
best fare. No
27:50
matter which brand it is we'll
27:52
be getting the best deal. Sorry
27:54
that's how it works with my household. Have
27:57
an absolutely great day. Remember
28:00
we're about you, adding ways
28:02
to save form, spend less,
28:04
and avoid getting ripped.
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