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Until 18-plus, T's and C supply, exchange fees and fair usage limits supply. Hello and welcome to the special Econ 101 edition of Sleep Money, the first edition of 2015 and possibly the best edition of 2015 because

this is going to be awesome pants as the millennials might say.

No wait no millennials ever said awesome pets. Oh no, we have a letter actually

here this week from Nathan Connolly who wrote in to slate money at slate.com. Never let it be said that we ignore our letters. We're devoting the

entire episode to Nathan's letter and Nathan says at the very top of his letter being a millennial

I appreciate having Jordan's opinion it's

about time our generation's voice makes its way into the discourse Jordan how do you

feel about representing all millennials on this podcast?

It's a validation of everything.

I have spent my many months on this show doing.

So what we are going to do in this podcast is not as we normally do guide you through the business and finance news of the week because frankly

Not much happens in that week between Christmas and New Year's so we are going to answer Nathan's question and

said partly because it's a really good question. But first, well I guess we've

already introduced our resident millennial Jordan Waisman. I should also

introduce Kathy O'Neill, the data scientist

and blogger at mathbabe.org. Hi Felix. Hi Kathy, are you excited about this one too?

I'm super excited. Okay, so here is the question from Nathan Connolly who is

...