Hey, everyone. Welcome back to Money Girl. My name is Laura Adams. If you're new here,

I'm an award-winning personal finance author who's been writing and hosting this show since 2008.

I hope your new year has gotten off to a great start. A lot of people have asked me about my

latest book. I think some people are interested in becoming their own boss this year.

So if that's you or you already have a small business that you want to take to the next level,

don't miss my latest title called Money Smart Solo Prenour, a personal finance system for

freelancers, entrepreneurs, and side hustlers. You can get it as a paperback, e-book, or audio book,

wherever books are sold. And if you want to learn more about my other books or even my debt and

credit online money courses, or how to work with me, be sure to visit my personal website at

laradadams.com. My debt class is called Get Out of Debt Fast and it is incredibly comprehensive

and it's a best seller. So I would encourage you to check it out. If maybe debt is something you

really want to get a handle on this year, taking control of your finances, a lot of times begins

with acknowledging that you may have a debt problem. It may be time to really double down on

eliminating or reducing your debt altogether. So I'm glad you're here. My mission with the show,

as always, is to help you get the knowledge and motivation to prioritize your finances.

Ultimately, we're all here to build wealth and have more security and less stress about the future.

And if you're loving Money Girl, please take a moment to submit a quick rating or review. We have

some fantastic reviews. Our team loves seeing them. So thank you in advance. That's a really easy,

free way to give back to the show. And of course, I love getting your emails. I recently received one

from Faith F, who said, what's the difference between a Roth 403B and a Roth IRA? Thank you for

sending in this question, Faith. I know Roth rules can be confusing, which is why I get loads of

questions about them. And I know it's a little wonky sort of digging into IRS rules about retirement

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