There's gift I've ever received has to be a bike when I was younger, a pedal bike.

It was a sort of slick little road bike and I remember it was all like it was so it was all wrapped up

but it was so obvious what it was obviously because nothing shaped like a bike and I had a little ribbon on it and I was so

I guess. For that was a life changer and I'm still sort of big on cycling around my area now so for that one change me a little.

Enjoy in every sip with red carps now back at Starbucks.

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As the cost of living soars people are being pushed out of their homes into temporary accommodation and onto freezing streets.

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The start of year round specialist support. This Christmas I'm standing with crisis. Join me.

Search crisis at Christmas and donate 29 pounds and 7 pence today. Thank you.

It's my pleasure to welcome you to the Clark Howard Show. Our mission is to serve you and empower you so you make better financial decisions in your life.

Now once you know we consider you to be a part of our team when you listen and we truly appreciate it when you share something you learned with somebody in your life.

Please do that and you've ever an example don't you?

Yeah you know I was looking through with the Apple podcast reviews and this one was posted on a huge money and consumer beware nerd now.

I'm telling everyone all these tips about stuff so much that they're getting annoyed and think I'm in love with Clark Howard.

I've saved myself from fraud and feel so much more confident with financial matters.

That's your mission. That's your mission right?

I mean that's the whole idea is to empower you so that you can have more control in your life, more freedom in your life.

And money is not the goal. You know people always think that it's about worshipping money. It's not.

It's about creating that financial cushion that security in your life.

And I'm glad when when I'm able to make that connection with you with someone who can take what you learn here and inspire you to take more control and maybe even seek more and more knowledge because obviously I'm not going to be able to make that connection with you with someone who can take what you learn here and inspire you to take more control.

And maybe even seek more and more knowledge because obviously this head only holds so much.

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