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 North America, or Stride Bank, North America,

members FDIC.

SpotMe eligibility requirements and overdraft limits apply.

Boots 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-of-state network ATMs.

I'm going to let you in on a secret.

I've always wanted to be a poet.

So I was excited to see Amanda Gorman has a class all about it on Masterclass.

With Masterclass, you can learn from the best to become your best.

Masterclass is the only streaming platform where you can learn and grow with over 200 of the world's best.

For just $10 a month billed annually, a membership with Masterclass gets you unlimited access to every instructor.

...