All right, as we get into the start of a new year, this is usually when people take a hard look at their finances, paying off debt, building up some savings, or finally feeling like you have a plan instead of just reacting month to month. That's why I want to tell you about Monarch. Monarch is an all-in-one personal finance tool that brings your entire financial life together, your accounts, your budget, your investments, your net worth,

all in one dashboard on your phone or your laptop. What I like about Monarch is that it helps

you look forward, not just backward. Instead of just tracking what you already spent,

you can see where your money is going and make more intentional decisions. It makes it easier

to stay organized, stay aware, and actually feel in control of your

finances without juggling spreadsheets or multiple apps.

Monarch takes a lot of the stress and guesswork out of managing money and makes it easier to

stay consistent.

Set yourself up for financial success in 2026 with Monarch, the all-in-one tool that makes

proactive money management simple all year long. Use code MoNews at Monarch.com for half off your first year. That's 50% off your first year at Monarch.com with code Mo News. And one thing we'd like to do here at Mo News is partner with companies with apps that are useful for your life, that we find useful ourselves. And one of those is Surfshark VPN.

VPN is a virtual private network.

With Surfshark, your online activity is encrypted from prying eyes.

Since installing Surfshark, I have felt so much safer when navigating some of those

public Wi-Fi networks, frankly navigating anywhere.

The ad targeting has really eased off here.

And it allows you to do your internet navigation on your mobile device, on your laptop without worrying about companies, governments potentially using your data. That's something that I have found useful as well. There are some countries you travel to. And then suddenly certain websites or certain apps are blocked. With SurfSark VPN, it allows you to navigate like you're here in the US. In fact, you can also stream some of your favorite programs. You change your VPN in the app to an American VPN and it allows you to navigate like you're here in the U.S. In fact, you can also stream some of your favorite programs. You change your VPN in the app to an American VPN, and it allows you to stream like you're back in the U.S. Because oftentimes when you're abroad, things are blocked. One subscription covers unlimited devices, whether your phone or laptop. Right now, you can get four extra months of Surfshark VPN by going to surfshark.com.com slash MoNews. That is Surfshark, S-U-R-F-S-H-A-R-K, Surf Shark. Check out the VPN.

It is... Surf Shark VPN by going to surfshark.com slash Mo News. That is Surf Shark, S-U-R-F, S-H-A-R-K,

surf shark. Check out the VPN. It is incredibly useful wherever you are. And it comes with

a risk-free 30-day money-back guarantee. Check it out. Surfshark.com slash Mo News.

Hey, everybody. It is Monday, March 9th. You're listening to the Mo News podcast. I'm Mosuonu.

And I'm Jill Wagner. This is the place where we bring you just the facts. And where we read all the news and read between the lines so you don't have to. After a weekend, Jill, where we all, well, it was one hour shorter than every other weekend of the year.

And if you're feeling a little bit off, you should know today is. We all, well, it was one hour shorter than every other weekend of the year.

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