Free Talk Live.

That's right. It is Free Talk Live, and you are free to call in and talk live on the radio.

That's what we do here on Free Talk Live. It's Mark with you. And Laura. And Laura is sitting in with me. Laura, I'll do introductions with you in the next segment. But right now I want to jump right into it. I'll just suffice to say that you're a woman with like ideas and stuff. Ideas and stuff. Yes.

You've got ideas on how the world should work.

Stuff.

Yeah.

So Laura's sitting in with me here and Ian is, Ian's taking a vacation, like a real vacation.

Isn't that crazy?

I know.

It's so weird.

I'm, I'm disoriented by the notion.

But Laura, you're a bit of a personal finance expert.

You've spent a lot of time reading on this subject.

You've been very successful in your own life and helped other people and theirs to

sort of implement some ideas.

And I, like, I guess the first thing that I would ask is, what's the one thing, that

first thing that somebody could implement in their life that would be sort of a meaningful

change from what they're doing today?

Because most of Americans, as we know, right, most Americans are living paycheck to paycheck.

Absolutely.

I've seen numbers where people are like 40% of Americans can't put their hands on $400 cash.

Yeah.

...