Deepen your appreciation of your favorite artists and genres. On Loud Lit, your host Matt Reno, a former rock radio DJ and forever music nerd, delivers reviews of books about rock and hip hop music. Tune in to find your next read.
…
continue reading
Matt Reno Podcasts
Brand Outlaw is all about helping businesses stand out. We cover branding, marketing, and running a business with a laid back, sports talk vibe, and we interview people who’ve succeeded by pushing against convention. It’s all geared toward giving you the advice and inspiration you need to break through. Whether you’re starting a new brand or looking to rejuvenate a stagnant one, subscribe to Brand Outlaw. We’ll talk shop, offer tough love, and help your brand stand out so it doesn’t stall out.
…
continue reading
The mission of the Bluegrass Printmakers’ Cooperative, BPC, is to be a thriving print studio in the Lexington area where printmakers work and create a dialogue about prints and art. Through demonstrations and workshops we expose the community to prints and educate them about printmaking process. As members of the cooperative, printmakers have the opportunity to exhibit and promote their art throughout the region. Check out our website: http://www.bgprintmakers.org Music used for this episode ...
…
continue reading
ROADCAST is a unique new podcast, always recorded from the road. Hosted by Matt Merritt. Discussing Western Sports & pretty much any other topic. New guest weekly to give you an inside look as to the life of professional cowboys who travel from venue to venue all over the world.
…
continue reading
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living ...
…
continue reading
Mama’s Lullaby Podcast nurtures, celebrates and supports mothers at every step of the motherhood journey
…
continue reading
1
Time > Money w/ Ben Miller (Bestie Ep) #1082
51:33
51:33
Play later
Play later
Lists
Like
Liked
51:33Time is easily our most precious resource, but rarely do we pay much attention to what it is that we’re going to spend our minutes and hours, which inevitably turn into weeks and years. And if you completely fail to do this, you end up as the proverbial careerist, looking back at the wasted decades, wishing you would’ve done something differently. …
…
continue reading
1
Ask HTM - Work Provided Life Insurance, Compounding Returns with a 401k True-Up, & Selling a Home to an iBuyer (Bestie Ep) #1081
58:35
58:35
Play later
Play later
Lists
Like
Liked
58:35We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Home sale: should I sell my house to an iB…
…
continue reading
1
Holiday Special: 2025 Lessons, Risky Bets, and an Alaska Surprise (BONUS EP)
1:28:27
1:28:27
Play later
Play later
Lists
Like
Liked
1:28:27A big thanks to our friend Joe Saul-Sehy for inviting us to join an episode of Stacking Benjamins – we had a blast, and we think you'll enjoy this convo as well! – It's the most wonderful time of the year in the basement, and we're kicking off the holiday season with our biggest, most packed episode yet. Joe Saul-Sehy, OG, and Neighbor Doug welcome…
…
continue reading
1
Who Wants to *Literally* Be a Millionaire? (Bestie Ep) #1080
52:39
52:39
Play later
Play later
Lists
Like
Liked
52:39Sherlock Holmes is a literary character we’re all familiar with who has the uncanny ability to solve any mystery he comes across. And one of the things that sets the British detective apart from others is his use of inductive reasoning to solve his cases. He begins with observations which then propel him in his search for the truth. Deductive reaso…
…
continue reading
1
Families Fly Free w/ Lyn Mettler (Bestie Ep) #1079
56:39
56:39
Play later
Play later
Lists
Like
Liked
56:39Traveling for free sounds like a lofty goal for most folks. Sure if you’re single or if you’re a DINK couple- but there’s no way you can pull that off with an entire family in tow! Well, it’s actually easier than you think and our guest, Lyn Mettler, is here to explain how. Lyn is a long-time travel journalist who has been featured on the Today Sho…
…
continue reading
1
Ask HTM - Caring for Parents, Dreaming of Partial Retirement, and Paying Extra on the Mortgage #1078
52:58
52:58
Play later
Play later
Lists
Like
Liked
52:58Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
Gain a deeper appreciation of your favorite music artists and genres. Loud Lit delivers recommendations of books that explore the world of rock, hip hop, and more. Support this show and independent booksellers at the Loud Lit Bookshop Page. Launches 1/3/26
…
continue reading
1
Friday Flight - Deceptive Dollar Stores, Frustrated Flippers, & Betting Your Credit Card Balance #1077
35:36
35:36
Play later
Play later
Lists
Like
Liked
35:36Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and…
…
continue reading
1
Becoming a Rational Investor w/ Ben Felix #1076
54:35
54:35
Play later
Play later
Lists
Like
Liked
54:35Tall fellas UNITE! Joel has to contend with talking with someone who is taller than him for a change, but that’s mostly besides the point (unless tall guys actually invest differently than the rest of the population!?). We’re joined by Ben Felix – one of the clearest voices in finance and investing who is co-host of the Rational Reminder podcast an…
…
continue reading
1
Ask HTM – Double Dipping Expense Ratios, Wealth Building with High Deductibles, and when 50 Year Mortgages Make Sense #1075
49:40
49:40
Play later
Play later
Lists
Like
Liked
49:40Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Political $ Planning, Free Electricity, & Cash is Cringe (plus Instacart Iniquity, Advent Calendars, more...) #1074
35:49
35:49
Play later
Play later
Lists
Like
Liked
35:49Time for a Friday Flight- our little sampling of the week’s best financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and…
…
continue reading
1
Jade Warshaw on Escaping the Debt Trap and Rewriting Your Story #1073
49:40
49:40
Play later
Play later
Lists
Like
Liked
49:40In Greek mythology, Atlas holds the heavens on his shoulders as a punishment from Zeus. And every time you see an image of Atlas, remember the hundreds of millions of Americans who are perpetually burdened by debt. To many of those consumers, the weight of credit cards, personal loans, and car loans feels like an eternal struggle… the new normal wi…
…
continue reading
1
Ask HTM – Newlywed Downpayment Debate, Good Car Loans, and Failing to Max Retirement Account #1072
50:26
50:26
Play later
Play later
Lists
Like
Liked
50:26Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - AI Toys, Homeowners Held Hostage, & Impoverished Americans
37:30
37:30
Play later
Play later
Lists
Like
Liked
37:30Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Gen Z vs. The Old Money Rules w/ Lillian Zhang #1070
53:49
53:49
Play later
Play later
Lists
Like
Liked
53:49Let’s talk about money and “the youths” today! While a lot of personal finance advice is evergreen and helpful to folks of all ages, it’s also important to reach people where they are and in the way they like to consume information. As middle-aged dads, we hope to stay relevant, but we don’t have the same street cred as our guest today. We’re joine…
…
continue reading
1
Ask HTM – Mortgage Payoff Loophole, DAFs to Maximize Tax Deductions, and Legally Evading a Medical Bill #1069
51:56
51:56
Play later
Play later
Lists
Like
Liked
51:56Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight: Leftover Turkey Edition! #1068
50:33
50:33
Play later
Play later
Lists
Like
Liked
50:33We’re taking a moment to slow down and reflect on what HTM listeners are truly grateful for during this busy holiday season. And yes… doing this on Black Friday is intentional. Instead of swapping stories about the hottest deals, we’re choosing to hit pause on consumption and appreciate what we already have. We also want to connect the dots between…
…
continue reading
1
The World Is Getting Better w/ Marian Tupy #1067
53:24
53:24
Play later
Play later
Lists
Like
Liked
53:24Though it seems like the world is in shambles, humanity has progressed quite impressively when you look at virtually any length of history. Our modern society has produced a slew of nice things that would have been hard to fathom 50 years ago, much less 250 years ago- smartphones, duct tape, GPS. They’ve all, to greater or lesser degrees, made our …
…
continue reading
1
Ask HTM - Filing a Claim for a New Roof, Rebalancing Away from Tech/AI, & Taking Advantage of a Health Reimbursement Arrangement #1066
52:42
52:42
Play later
Play later
Lists
Like
Liked
52:42Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Soft Switching, Tariff Turnaround, & Ozempic Face #1065
39:51
39:51
Play later
Play later
Lists
Like
Liked
39:51Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Don’t Let Taxes Terrify You w/ Hannah Cole #1064
56:49
56:49
Play later
Play later
Lists
Like
Liked
56:49“Taxes for creatives” could have also been the title of this episode, giving the more entrepreneurially minded the boost they need to officially launch a little business they’ve been considering. But for most folks the topic of taxes isn’t comforting, it’s straight up terrifying… even though it shouldn’t be. Today’s guest, Hannah Cole, is on a miss…
…
continue reading
1
Ask HTM - Vital Home Reno or Moving Factors, Dropping Credit Without Dinging Your Score, & Student Loan Forgiveness or Payoff #1063
48:40
48:40
Play later
Play later
Lists
Like
Liked
48:40Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Forever Mortgages, Ruining Reward Cards & Free Tax Filing Fail #1062
36:10
36:10
Play later
Play later
Lists
Like
Liked
36:10Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
How AI Will Impact Your Investments w/ Vanguard's Joe Davis #1061
53:08
53:08
Play later
Play later
Lists
Like
Liked
53:08Everywhere you look, people are talking about AI. Some say it’s going to save the world; others think it might break it. But while the headlines focus on sci-fi futures and big-tech battles, we’re interested in something a little closer to home: what does all of this actually mean for us as everyday, DIY investors – today, and over the next decade?…
…
continue reading
1
Ask HTM - Open Enrollment Entanglements, Worthwhile BNPL Scenarios, & Continuing to Investing with Outstanding Debt #1060
50:39
50:39
Play later
Play later
Lists
Like
Liked
50:39Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Ridiculous Car Refinancing, Occupation Consternation, & Ads Everywhere #1059
35:50
35:50
Play later
Play later
Lists
Like
Liked
35:50Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Work Less, Live More w/ Juliet Schor #1058
56:20
56:20
Play later
Play later
Lists
Like
Liked
56:20Nearly 100 years ago, economist John Maynard Keynes predicted that we’d be working 15-hour weeks by now due to gains in productivity and technology. Tim Ferriss claims that you can pretty much do it all in a 4-hour workweek! Neither of those seem plausible but our guest today takes a much more reasonable approach and says that 4-day work weeks are …
…
continue reading
1
Ask HTM - Spending on a Tax Pro, Frugal Practices for Millionaires, & Ending a Termite Bond #1057
45:33
45:33
Play later
Play later
Lists
Like
Liked
45:33Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Discount Burnout, Bubble Trouble, & Rejoicing Renters (plus roadkill, gold bars, more...) #1056
34:42
34:42
Play later
Play later
Lists
Like
Liked
34:42Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
DIY or Delegate: the Financial Advisor Conundrum w/ Pam Krueger #1055
1:01:49
1:01:49
Play later
Play later
Lists
Like
Liked
1:01:49A financial advisor WON’T magically fix your money problems, but many folks assume that by hiring a professional, they’re well on their way to financial success. Maybe, but maybe not, because a bunch of different factors come into play. And who better to have this discussion with other than award-winning investor advocate and financial educator Pam…
…
continue reading
1
Ask HTM – Sinking Funds for BIG Purchases, PTO Advances, & Investing for Early Retirement #1054
52:54
52:54
Play later
Play later
Lists
Like
Liked
52:54Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Moneyless Millionaires, Credit Card Churning & AI Goes E-Commerce #1053
38:19
38:19
Play later
Play later
Lists
Like
Liked
38:19Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Can Love Survive a Budget!? w/ Doug & Heather Boneparth #1052
57:47
57:47
Play later
Play later
Lists
Like
Liked
57:47Figuring out your money is tough enough if you’re flying solo. Doing it with your partner ramps up the difficulty level because you're throwing in varied money history, habits, and goals. It can create a lot of friction! Our guests today have a lot of great advice for couples looking to do better with their finances and create a ‘team vibe’ with th…
…
continue reading
1
Ask HTM - Medium-Term Investing Conundrums, Naughty Credit Card Behavior, & Vapid Vesting Periods #1051
52:10
52:10
Play later
Play later
Lists
Like
Liked
52:10Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Accidental Landlords, Debilitating Debt & The WFH Premium #1050
41:25
41:25
Play later
Play later
Lists
Like
Liked
41:25Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Money Truths You Won’t Hear Anywhere Else w/ Len Penzo #1049
53:33
53:33
Play later
Play later
Lists
Like
Liked
53:33Our guest today is a self professed personal finance oddball! Len Penzo spent 35 years in the aerospace industry before retiring at age 58 as an electrical engineer. Along the way he launched LenPenzo.com in December 2008 (he even helped to give Joel a start writing personal finance content back in the day). Since then, the blog has drawn millions …
…
continue reading
1
Ask HTM – Quick Cash with eBay, Making Quarterly Estimates, & a Home Appraisal Goes Awry #1048
50:32
50:32
Play later
Play later
Lists
Like
Liked
50:32Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Refi Revival, Delay Pay Disaster, & Landline Love! #1047
38:01
38:01
Play later
Play later
Lists
Like
Liked
38:01Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
The Demographic Dilemma and Your Dollars w/ Melissa Kearney #1046
57:48
57:48
Play later
Play later
Lists
Like
Liked
57:48“Demographics are destiny” is a phrase we’ve all heard. And while the future of America isn’t a foregone conclusion, declining birth rates, rising inequality, and the dramatic increase of single-parent households are having a profound impact on our society, impacting the overall economy. With all of this in mind, another question is raised: how sho…
…
continue reading
1
Ask HTM - Avoiding the Credit Card Burn, Timing a HELOC, & Solar to Retire Sooner #1045
52:11
52:11
Play later
Play later
Lists
Like
Liked
52:11Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Underwater Autos, Freelancing FTW, & E-Fund Idiocy #1044
37:12
37:12
Play later
Play later
Lists
Like
Liked
37:12Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Pulling the Most Powerful Money Levers w/ Professor Kristen Carioti #1043
55:03
55:03
Play later
Play later
Lists
Like
Liked
55:03Our guest today says, “you can’t transform the world if you’re living paycheck to paycheck.” We couldn’t agree more! And money literacy is at the heart of avoiding that fate. Not only did Professor Kristen Carioti literally write the personal finance textbook, but she also found a way to make personal finance classes a requirement at her school, Mo…
…
continue reading
1
Ask HTM - Break-Even Bank Switch, Doubling Down on a 457b, & Financing an ADU for Extra Cash #1042
56:42
56:42
Play later
Play later
Lists
Like
Liked
56:42Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - 'Just In Case' Planning, Consumer Caste System, & Credit Scores Crashing #1041
38:27
38:27
Play later
Play later
Lists
Like
Liked
38:27Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Eat the Avocado Toast w/ Justin & Haley Brown-Woods #1040
54:48
54:48
Play later
Play later
Lists
Like
Liked
54:48The supposed luxury of avocado toast, along with the latte, has become an “ok boomer” personal finance tip. “Stop frivolously spending your money and you’d be rich!”... we don’t actually believe that here at HTM and even if there’s a modicum of truth to that statement, it presents other challenges like: how long do you sacrifice in the short-term i…
…
continue reading
1
Ask HTM - Best Grocery Cashback Credit Cards, Risking it with Ultra Cheap Car Rentals, & Giving Up on Home Ownership #1039
54:25
54:25
Play later
Play later
Lists
Like
Liked
54:25Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Pricey Porch Pumpkins, Twitter for Trading, & Saving for a Spouse #1038
33:30
33:30
Play later
Play later
Lists
Like
Liked
33:30Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading
1
Cutting Taxes & Retiring Sooner w/ Cody Garrett #1037
55:17
55:17
Play later
Play later
Lists
Like
Liked
55:17Benjamin Franklin once wrote “... in this world, nothing is certain except death and taxes.” It was true over 200 years ago and it’s true today! But we’re here to argue that there’s another certainty pertaining to taxes: that we all have the ability to change our individual tax rate by our own actions! Our guest today, Cody Garrett, has thoroughly …
…
continue reading
1
Ask HTM - Gifting $ to Other’s Kids, Most Affordable Protein, & Snagging the 529 State Deduction #1036
51:44
51:44
Play later
Play later
Lists
Like
Liked
51:44Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
…
continue reading
1
Friday Flight - Flipping For Cash, Health Insurance Hikes, & Grim Googling #1035
36:51
36:51
Play later
Play later
Lists
Like
Liked
36:51Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
…
continue reading