Hello, everyone, and welcome back to an all-new episode of the Financial Confessions.

It is I, your host, Chelsea Fagan.

I'm founder and CEO of the Financial Diet.

I'm also a person who loves talking about money.

And an interesting thing happened yesterday.

A person reached out to me to do their podcast.

They're also a YouTuber.

They have like half a million or so

subs. They have a really cool channel also about money different, but still very cool. And he

reached out and he was like, I'd love you to do my podcast. And I was like, double reverse,

Uno B, do my podcast. I am going to do his podcast too. But I happened to my, we happened to be filming today

another podcast episode.

So I was like, can you do tomorrow morning?

And he's like, yes, I can.

We love an available king.

And thanks to PolicyGenius for supporting this episode

of the financial confessions.

PolicyGenius is your one-stop shop to find and buy the insurance you need. Head to policy genius.com slash TFC to get your free life insurance quotes and see how much you could save. All of this is to say, we have this YouTube guest on, who I actually must admit I was unfamiliar with before, but I binged. As soon as you reached out, I looked at his channel. I was like, I love this. This is great. I've been binging episodes since yesterday. I have so many questions for him. He's very, very cool. You guys should check out his channel. His name is Richard Coffin. He is a chartered financial analyst and a certified financial planner. He actually works in investment management himself, but he hosts a

YouTube channel called the plain bagel that talks all about money, investing, economics, kind of

the broader picture of money and the smaller, more individual one. His stuff is great. He is very

cool and very prompt. And here he is right now. Hello, Richard. Hi.

Thank you for that immaculate introduction.

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