I think that the holidays feel like frozen noses. I love walking with the dog for long periods of time.

Hopefully it's snowing and you've got to wrap up warm. So I think a frozen nose is

then sweaty armpits because like you're wrapped up so warm but then you're climbing hamps

and heath and you get to the top and you're like and then you can see the breath

but then your nose is still freezing to touch.

Joy in every sip with red cups now back at Starbucks.

It's my pleasure to welcome you to the Clark Howard Show where our mission is to serve you and empower you.

She make better financial decisions in your life.

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I hope you'll visit while you're there. Hey, why don't you sign up for our free newsletters.

Remember the price I said free. Today there's been a lot of big and confusing news about student loan forgiveness.

I want to tell you as best I can what the deal is and if you're a regular listener to our podcast you know that I hate sell.

Z-E-L-L-E. It is a Frankenstein's monster creation of the giant monster mega banks that is causing so much financial hardship for so many people.

I need to tell you that you have a special assignment I'm going to give you later in this podcast to take that Frankenstein monster out of your life.

But first, do you know today is National Teacher Appreciation Day.

I didn't know that but my boss, Krista, told me that and I'm sure you are always the kind of person who is taking an apple to your teacher at school or something.

I tried. You were such a goody too shoes teacher's pet.

Well, I wouldn't say that. However, I do. It's funny. I've recently reconnected with my favorite teacher ever.

Third grade.

Ronnie Hunnings-Bombs. Ms. Hunnings-Bombs. She's actually a listener to you. When we reconnected, I listened to Clark Howard and she loves you and she's just the most kindhearted, wonderful human being and I'm so grateful for her and the role she played in my life.

How about you? Who was your favorite teacher?

Well, he's deceased now but Paul Kashua who was a taught me math but he was a war hero fought in World War II was wounded in the war and fought in Korea, fought in Vietnam and then taught and he was this guy who just every day was like the greatest day of his life and he brought that positive energy to everybody.

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