Abby's just woken up. It's 731 and she's forgotten to ring the doctor. There's no point

ringing now. She needs to get to work, but she's not worried. She's got an HSBC Premier bank account

with access to digital GP appointments plus two second opinions a year should she need them.

Everything's premier when your bank account is. Search HSBC Premier, HSBC UK, opening up a world of opportunity. The doctor will see you now. Apply with £100,000 annual income or £100,000 savings or investments with HSBC UK or Premier status abroad. If I get my kid a phone, I'll be able to keep in touch with them all the time. They'll be on it all the time. He could walk to school by himself. She could see something she shouldn't. He could chat with grandma.

Friends, trolls.

They can access anything on the internet.

They can access anything on the internet.

So, should I give my kid a phone?

Growing up with phones isn't always easy.

Introducing EE SAFSAFSAF.

Sims that help moderate usage and shield harmful content on any smartphone.

Choose EEC for Sims. Only on the UK's best network.

To verify best network see E.e.com.com. This is Optimal Living Daily. The only two things you need to focus on what matters, part two, by Michael Melberg of Michael Melberg.com, and I'm Justin Mollick.

Welcome back or welcome for the first time. If you're new here, this is where I read to you like a big ongoing audiobook from many different authors, but today being a continuation

from yesterday, so I'd recommend listening to yesterday's episode first. If you're all caught up,

let's get right to part two and continue optimizing your life.

The only two things you need to focus on what matters, part two by Michael Melberg of

Michael Melberg.com.

Like the baby turtles, you only need two things to focus on what matters.

Number one, moonlight on the water.

Call it a goal, call it a purpose, call it whatever you want.

You have to know where you're going if you want to get somewhere important.

...