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Conditions and exclations apply. Well, hey there. Welcome to 2023, everyone. Let's make

it a good one. Okay. This is on point. I'm Magna Chakrabardi and we're going to kick

off the year talking about money, which means they're back on points. Money, ladies,

Donna and Michelle. Hey there, Ron and Michelle. Happy New Year to both of you. Now for

the like one or two listeners out there who don't know who you are, let me give you your

formal introductions. Michelle Singletari is a personal finance columnist for the Washington

Post. Her column, The Color of Money is syndicated in newspapers across the country. She's also

author of what to do with your money when crisis hits a survival guide. And Rana Farouhar,

she's CNN's global economic analyst and associate editor at the Financial Times author

most recently of homecoming, the path to prosperity in a post global world. But really their

most important titles are the on point money, ladies. Now, you know, when we did this last

year, I started the show by asking you both like what your 2022 resolutions were and I'm

not going to do that. I'm not going to do that. I decided that like, you know, resolutions

...