Hello, everyone. It's your girl, Chelsea Fagan, founder and CEO of the Financial Diet, and

person who just loves talking about money, back with an all-new episode of the financial

confessions. But before we get started, I wanted to thank Avast for supporting today's episode

of the Financial Confessions. Avast's new all-in-one solution, Avast One, helps you take control

of your safety and your privacy online.

Learn more about Avast1 at Avast.com.

And today is a very exciting milestone for TFC because we have in studio our first ever,

first ever, first ever, three-time guest. He's been on season one. Then we had him again on season two. A lot of you guys

were big fans of that one, particularly because it came at what I believe to have been the

bleakest moment of the past couple of years to set the stage for his appearance on season two.

It was May of 2020. We were 10 feet apart in a room here at the TFD office.

My husband was out of the country for an indefinite period of time.

New York City was bleak and many tales were being told

of its inevitable decline into Mad Max beyond Thunderdome.

And it was just a dark, dark time.

But we got together, my guest and I today, and we talked all about the ways in

which the world of aspiration and influencers and social media and all of these things

were changing in light of a world where we really honestly couldn't do all that much

aspirational stuff.

In the two years since, a lot has changed for the better and for the worse.

But one thing has remained the same, and that is that our guest today is one of my dearest friends.

He is writer, tech journalist, purveyor of fantastic articles and video essays on all kinds of fraudsters and just generally all

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