With student loan payments just about to resume after a long hiatus, it's cramping

your ability to save and spend like you've been able to over the past few years.

To how to money guys, that's us.

We don't have legal authority to cancel your debt or anything, but you can and should

check out our show for advice on all things personal finance.

And just so you know how to money is not your dad's money show either, right?

We give you the information you need to make smarter money choices, so if you want to know

how to spend, save and invest with confidence, even with that student loan payment back in

your life, listen to how to money on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts.

Welcome to Before Breakfast, a production of iHeartRadio.

Good morning. This is Laura. Welcome to the Before Breakfast podcast.

Today's tip is to invest time in your friendships by building microconnection time

into each day, because the only way to have a friend is to be one.

I hear from lots of people in their 30s and 40s who wish that they had more or deeper friendships.

And I know from studying people's schedules that lots of people in their 30s and 40s spend

nearly all their leisure time with their partners, their kids, or screens.

If you invest all your time in work and family and TV or social media to zone out and relax,

then it's no wonder friendships don't feel as vibrant as they used to when you could play

on the playground at recess together every day. But by setting aside just a little time every day,

you can maintain and even grow your friendships. With family and career, you have a lot on your

plate. But by intentionally investing in your other relationships too, you'll be able to keep

them going even through your busiest seasons. One way to do this is by designating a specific time

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