Hey, before we start the show, I've got to remind you, if anything last year showed us that you never know what life's going to throw at you.

If you use a lot of credit cards and over the last year to pay for unexpected expenses you didn't see coming,

it could be overwhelming to manage that debt. So take

control with Upstart so you know exactly what to expect. Upstart, it's the fast

and easy way to get a personal loan to pay off your debt. It's all online too.

Whether it's paying off your credit cards, consolidating high interest debt, or funding personal

expenses, over half a million people have used Upstart to get a simple fixed monthly payment.

Upstart finds smarter rates with trusted partners because they assess more than just your

credit score.

With a five minute online rate check, you can see your rate up front from the loans from

one thousand to fifty thousand dollars and you can get approved the same day and you

can receive funds as fast as one business day. If debt is taking over your life it's time to get a fresh start with

upstart. Find out how upstart can lower your monthly payments today when you go to upstart.com

slash ricoche. That's upstart.com slash Ricochet.

Don't forget to use that U.R.

Let them know where you came from.

So loan amounts will be determined by your credit, income,

and certain other information provided in your loan application.

Go to Upstart.com slash Ricochet.

And speaking of Ricochet, on with the show.

Oh, hello everybody, here we go.

Coming down in three, two, one.

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