Joel, the holidays are a blast, but the financial hangover, that can be a huge bummer.

If you are out there and you're dreading the new statement email that reveals the massive balance that you may have racked up, well, you could use her help.

That's right.

I'm Joel and I am Matt.

And we're from the how-to money podcast.

Our show is all about helping you make sense of your personal finances so you

can ditch your pesky credit card debt once and for all, make real progress on other crucial

financial goals that you've got, and just feel more in control of your money in general.

You know it. For Money Advice without the judgment and jargon, listen to How to Money on the

Iheart Radio app, Apple Podcasts, or wherever you get your

podcasts.

Would you say you're more productive in the morning or in the afternoon?

Probably afternoon. I know. Me too. And look at the job we do. How is that? It's always

right before I lay down for my nap.

And then I'm like, I actually have energy.

I whatever.

I understand.

For this group, the word productive is a very generous word. Yeah.

But 30 minutes a day.

If you said afternoon, you're an outlier because a recent poll was done.

Update on the poll.

Oh, yay.

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