Welcome to the Jill on Money Show. It's Wednesday, July 5th. I wonder how many people took this

entire week off. I hope you had a wonderful Independence Day celebration. If you have a financial

question, if you've got a concern, if while you were looking at fireworks something sparked

in your brain and you wanted to get in touch with us all you need to do is go to our website it's

jill on money.com and when you're there on the upper right hand corner click the contact us button

that will bring you a form complete the. If you want to leave it there,

fine. If you choose to come on the program live with us, then all you need to do is check

the box. Mark does everything else because he's so good. While you're on the website,

do check out a couple of things. First of all, you can always sign up for the free weekly newsletter

comes out every Friday. Next, if you have some other ideas about things you want to do

differently in your life and you're considering a big change, check out my new book. It's called

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You can also subscribe to our new service, Jill on Money Live.

That's where you have access to quarterly live webinars.

We just had our most recent one last week.

Coaching for Leaders, Dave Stahoviac was the guest.

It was amazing.

All right. So now let us do this. Let us get to the business at hand. Brian is on the

line from Washington State. Hello, Brian. How are you? Good morning, Jill. I'm doing well. Thanks.

So I have to be honest with you. We were reading your email and you used an abbreviation. And I had never seen it before.

And it's NLT. And you should have heard what Mark and I thought that stood for. We had various

permutations. But I think it's no later than. Is that correct? That's correct. Yes.

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