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Welcome to the Jill on Money Podcast. It is Monday, December 7th and we are delighted that you joining us.

Very special way to start the work week,

and that is that we have a listener who is coming on the air with us.

And remember, if you would like to join us,

all you have to do is send an email ask Jill at

Jill on money.com ask Jill at Jill on money.com and please just let them know just

say hey I'd love to be on the show with you guys and Mark the

international man of mystery will be in contact with you he did that with

Richard who was on the line from California and Richard you said you thought like oh my

God maybe this guy is real maybe not like how did you feel when Mark actually

emailed you back and said let's get you on the show even when when I got the email back, it was still from Jill on Money.

So I still thought it was kind of a ploy,

but you know, you have no reason to lie.

So, but talking to him this morning prior to this, that was a nice treat.

So I definitely think that it was worth it.

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