Welcome to the Jill on Money Podcast.

It is Thursday, September 9th, and hey, Mark, how are you, man?

It's been a long time, a few weeks since we've actually talked for real.

We put all those jokes in the can.

August 12th, almost a full month, man.

Yeah, this was our longest break from talking to each other since starting our adventures

about a decade ago.

That was amazing.

So we are rejuvenated from our time off, and I am really, I'm psyched.

I'm psyched.

You know, Mark, this is also a new year for our Jewish listeners,

I being one of those Jewish people.

So it's Russia Shana.

And so happy new year to everybody who's celebrating that,

but it's also sort of the beginning of an academic new year.

And I think for a lot of people, it's time, though, the world is still crazy with

COVID, but it does start to feel like maybe some of our scheduling is getting back

on track, kids back in school, hopefully a lot of businesses are back in person.

But it doesn't really mean anything unless you got your head on straight

and ready to sort of get into your routines.

So I want to help get you into your routine.

And one way that you can do that is to really focus on a few things that you

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