We always hear about why buying a latte or ordering avocado toast is keeping you poor.

As long as you're budgeting for them, small indulgences are totally fine. Treat yourself.

You know what small costs are holding you back? Fees. Now, when it comes to investing,

these can take a big chunk out of your gains. But even the small fees associated with banking really add up.

At least when you order a latte, you have a nice drink. With banking fees, you get nothing in return.

They've already got your money. What more can they want? That's what I love about today's sponsor Chime.

Chime isn't like old school banks that charge you overdraft and monthly fees. And the benefits from

Chime keep stacking up. In addition to fee-free banking and overdraft coverage you can count on,

Chime helps you build credit history stress-free. Not only that, but you can earn up to 3.5% APY on

savings. That's 8x higher than a traditional bank. And they're rated five stars by USA Today for customer service.

Real humans 24-7.

Chime is not just smarter banking.

It is the most rewarding way to bank.

Join the millions who are already banking fee-free today.

It just takes a few minutes to sign up.

Head to chime.com slash help wanted.

That is chime.com slash help wanted. That is chime.com

slash help wanted. Chime is a financial technology company, not a bank. Bank. Bank, Bank, and my pay line of credit provided by the Bank or Bank N.A. Or Stride Bank N.A. My pay eligibility requirements apply and credit limit ranges $20 to $500. Optional services and products may have fees or charges. See chime.com slash fees info. Advertized annual percent and yield with chime plus status only. Otherwise, 1.00% APY applies. No min balance required.

Chime card on time payment history may have a positive impact on your credit score.

Results may vary. See chime.com for details and applicable terms. Over the years, I've spent a lot of time thinking about what it takes to build a great business. And my personal area of expertise is in being really forward-facing, about being out there,

about being the personal brand and being the person who can grab the attention and pull people

in. But you know what? That's just the most visible part of business. There's also the

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