When we're trying to make progress, life's curveballs often feel like taking one step forward and two steps back.

A CHIMM checking account makes financial progress easier, with features like no maintenance fees, fee-free overdraft up to $200, or getting paid up to two days early with direct deposit.

Learn more at chime.com slash ratchet.

With CHIM, you're joining a community with millions of members who are working on financial progress. Chime helps you make progress with fee-free

overdraft up to $200. Your next deposit is applied to your balance. Get spotted on debit card

purchases and cash withdraws. To date,

CHIME has spotted over $30 billion. And my favorite part about CHIMM, they make it easy to access

your money with over 50,000 fee-free ATMs. Make progress toward a better financial future with CHIME. Open your account in two minutes at

chime.com slash ratchet. That's chime.com slash ratchet. Chime. Feels like progress. Banking

services and debit card provided by the Bank Court Bank North America or Stride Bank, North America, members FDIC.

SpotMe eligibility requirements and overdraft limits apply.

Boost are available to eligible chime members enrolled in SpotMe and are subject to monthly limits.

Timing depends on submission of payment file.

Fees apply at Out ofof-state network ATMs.

This show is sponsored by Better Help.

Every January brings you 365 blank pages waiting to be filled.

In 2025, maybe you're ready for a plot twist,

or maybe there's a part of your story you've been wanting to

revise. Life isn't about resolutions that fade by February. It's about picking up the pen and

becoming the author of your own life. Think of therapy as your editorial partner, helping you write

new chapters and create meaningful story that you deserve to live.

You listen to this podcast so you know I am a huge advocate of therapy. I think everyone

...