When I'm not hosting this podcast, I am writing books, but it is really hard for me to write when I'm at home, so I like to find remote cabins in the middle of nowhere to just hang out and write. But I hate the idea of my house just sitting empty, doing nothing but collecting dust and definitely not collecting checks. And that's why I'm an Airbnb host. It's one of my all-time favorite side hustles. Other popular side hustles are awesome, too, don't get me wrong, but they often involve big startup costs. By hosting your space, you're monetizing what you already have access to. It It doesn't get easier than that. And if you're new to the side hustle game and you're anxious about getting started, don't worry, because you're not in this alone. Airbnb makes it super easy to host. I mean, if I could do it, you could do it. And your home might be worth a lot more than you think. Find out how much at airbnb. Com/host. I'm Nicole Lappin, the only financial expert you don't need a dictionary to understand. It's time for some money rehab. One of my absolute favorite things to do on this show is to talk to you, my Money Rehabbers.

So I am beyond excited today to do exactly that. You're about to hear a conversation I had with Money Rehabber Chelsea, who DMed me asking, Should I sell my dream home to give myself and my has been more financial freedom. With the state of the real estate market right now, I know Chelsea is not the only one thinking this. So I'm taking you behind the scenes into what I told her. And spoiler alert, we have a major breakthrough here. Here's our conversation. Chelsea, welcome to Money Rehab.

Hi, Nicole. Thanks so much for having me. I'm so excited to be here.

I'm so excited that you're here. And I know you have an important question that you want to tackle today together. Can you share that question with our listeners?

Of course. My question is, should I sell my new house and downgrade to have more financial freedom?

It is a beautiful question. So not only did I know that that was your question, because, of course, you sent it to me before, but you also sent the purchase price of your house, photos of your house, your monthly expenses and income spreadsheet with charts and graphs. I am obsessed with you, basically. So thank you for doing all that. You went above and beyond. Let's follow the money trail here. Let's follow the numbers trail. I have a bunch of questions, but first, let's go over the purchase price of your house.

Yes. So we purchased this home a year ago for 769,000. It's a new home.

Okay. Happy house-aversory.

Yes. Thank you.

April of 2023. Okay, cool. And what was the down payment?

It was 135,000.

And your interest rate?

6.25 %, which we bought some points to get it there. Nice.

Okay, cool. And how much have you paid off so far?

So the total paid off is $169,000. So we've made some extra payments a couple of times. So lovely.

Toward the principal?

Yes. Cool.

Okay. And And what is your monthly payment?

So it's currently $4,250. But since it's a new home, the taxes don't really fully assess until June. So right now it's $4,250. But when the taxes come up, it'll be around $4,700.

Okay. So $4,700 is inclusive of basically a pro rata share of what your yearly property taxes will be?

Yes.

Cool. I'm glad that you did that. Some people forget about property taxes and are like, damn it. So you split 4,700 roughly with your partner, right? Yes. Okay. And do you know approximately how much maintenance is going into the house? Or is the 4,700 inclusive of maintenance as well as taxes?

Oh, gosh, no. There's nothing tied to maintenance that we pay on, I guess, a monthly basis. With it being new, knock on wood, we haven't had any real issues thus far, but I'm not sure what that number would be.

Okay. But so far, it hasn't been significant. I mean, those types of things, unfortunately, happen usually at the worst times. Right. Yeah. Something to just think about, factor in. So your combined income after taxes with your partner is 11,600-ish, yeah?

Yeah, correct.

So your mortgage is 40 % of your take home pay?

Correct. Okay.

Can we go through a bigger checklist of your overall financial picture? Do you have an emergency fund?

Yes, we do have $26,000 in a CD right now. Okay.

And that is, it sounds like three months of expenses in the bank?

Yeah, I would say. Okay. And you feel good with that? I would say so, for both of us. I feel good about it. I mean, obviously always wishing that it's more, but I feel okay about it.

Okay. And you both have consistent jobs and skills or you could get another job if, God forbid, you lost your jobs?

Correct. Sweet.

What other expenses do you guys have right now?

So we have our vehicles, older vehicles. My husband is, well, he cares more about vehicles than I I do. My car is almost paid off. I pay 550 a month for the vehicle itself. He pays around $6.50 for his truck. We have daycare that is around $800 a month. We have student loans that are around $800 a month. As far as other reoccurring things, like home insurance, car insurance, obviously, utilities for the home, things like that. And then the basics of groceries, and maintenance appointments for ourselves and all the fun stuff.

And do you have credit card debt?

Well, I checked this morning. We have $4,400 in credit card debt right now.

Is that debt or is that just your statement balance?

Just I have a statement balance.

Okay. And you pay it off in full every month?

Mostly. Okay.

Are you saving for retirement?

Yes. We both have 401(k) programs. So I have an employer match of 8 %, which is That's great. My husband has one of 4 %, so we both contribute the matching amount.

Do you know approximately how much is in there?

I have about 64,000, and I think he has around $45,000.

And how old are you guys?

I am 33, and he is 32.

And do you have any other debt?

Student debt is $45,000 for the two of But other than that, no.

And why did you buy a house?

Well, in the past, real estate has worked out for me personally. I've owned a couple of different homes in the last decade and was able to upgrade as I owned the next house with the proceeds I got from the previous home. We bought a house this go-around because this is where we want to live, and this is the school district we want to be in. And I think we will be here for a long period of time. And so it just made sense for us. I go back and forth because I think about it. We were originally going to build a home, and that would have required us to rent for a little while. And I don't know why that just freaks me out. No, we can't possibly rent and lose money. But I have been doing a ton of research in the last couple of years listening to you, and I'm a big fan of remate safety. So I definitely changed my mindset in that capacity. But yeah, I hate that it's the thing to do, and I don't necessarily see it as a massive accomplishment as I used to, but we had been looking for a while.

We wanted to be in this area, and it was, I guess, a rough market when we were looking. We bought this house specifically after we had made, I don't know, 20 some offers on other homes that We were outbid. And it was for stuff that I really didn't love. So that just bugged me that we were going back and forth, fighting so hard for these homes. That just, to me, I was like, I don't even like the place, so I don't care. They can have it. So, yeah, we looked at this one in the beginning of our search. It was a model home, and we just looked at it as a joke, honestly. But at the end of the day, my husband was like, The house is black on the outside. He's like, Let's just get the black house. Let's just offer them what they want. Let's just do it. So we did, and here we are.

And why was it a joke in the beginning? Because of the color?

No, I love the color because of the cost.

Oh, because it was out of your budget. What range were you looking at or hoping for?

We were hoping to buy something around 600,000.

And I think when you refer to some of our episodes and Rameet's episodes, he and I both agree that what people don't often think about when they're buying a home is all the stuff that you don't get back, the interest payments, the maintenance, the closing costs, the property taxes, all of the things that don't get factored into an equation. When you say grandma bought a house for 50 grand, and now it's 500 grand, you also don't factor in inflation and opportunity cost of what that 50 grand could have been doing in the stock market over that period of time. So is that essentially what you're referring to, a perspective that you hadn't heard before?

Absolutely, yes.

And so was the goal for buying a house, because it sounds like you want to stay there for a while, what Was it to make money? It sounds like you weren't even coming to it from that perspective at this point. It sounds like you wanted to nest your face off, live in that area, stay there for a long time, right? So you weren't looking at this as a quote investment. You were looking at it as a home for your family for a long time. Right.

I would say there is that part of me that years down the road, we'll be able to sell it for X amount. But when that will be or how the economy or market will be at that time, who knows? So yes, I think by the time we decided to buy this house, it was just, Love the house. We can make it work. So go for it.

Okay. So this is all really helpful, Chelsea. You You want to know, basically, if you should have more financial freedom than you have right now, which I think is super interesting because for some, having a dream home near family in great school districts, in a place that you want to be in for a long time is financial freedom. So do you feel like you're not able to do things that you want to do right now because of your mortgage? Is it holding you back from doing something? And what is that something?

Yeah, I think so. So it's just like moving into this beautiful home. And it's not like it's super large by any means. I mean, it's great, but it's not... I've lived in other homes that are not this nice, and I had more money in the bank, and it seemed like that time, it was just a little bit more of a relief. But the things that I want to do more of that I feel like the mortgage is holding me back is travel for sure. My three-year-old has a passport. We want to make sure that he and we can see the world and travel a ton. And then just overall, wellness. I wish I had more money for... I said the other day, I just want to be financially stable enough where I can go to the chiropractor twice a week and not have to worry about what it costs. Seeing a personal trainer is on the top of the list. We eat grass-fed, organic, free range food, which is very expensive, and I just don't love having to worry about that. And so those are some of the things. Just overall quality of life, I think.

Well, I love that you can really, really articulate what financial freedom is for you, because it's different for everyone. Going to the chiropractor twice a week without worrying about it and being able to order as much or buy at the grocery store as much grass-fed, free-range, organic, artisanal, whatever meat you possibly can and can consume is a really, really helpful baseline. So it sounds like by paying the mortgage every month of 47-ish, hundred bucks, I'd maybe round that up a little bit more because maintenance will happen. Where would you ideally like to be in order to feel comfortable enough to do the chiropractor to do the traveling and to do all the meets your heart desire.

Yeah, see, and that's the thing, because the mortgage we moved from was less than half of what our is now. And I feel like even in that state, we were stressing about money, too.

Hold on to your wallet. Moneyrehab will be right back. Moneyrehabbers, you have money hidden in your house. Yeah, just hiding there in plain sight. Okay, so I don't mean you have gold bars hidden somewhere in walls, treasure map style, but you do have a money-making opportunity that you're just leaving on the table if you're not hosting on Airbnb. It's one of my all-time favorite side hustles. By hosting your space, you are monetizing what you already own. It doesn't get easier than that. For me, hosting on Airbnb has always been a no-brainer. When I first signed up, I remember thinking to myself, self, you pay a lot of money for your house. It is time that house return the favor. And to get real with you for a sec, I felt so much guilt before treating myself on vacation because traveling can be so expensive. But since hosting on Airbnb, I feel zero stress for treating myself to a much-needed vacation because having Airbnb guests stay at my house when I'm traveling helps offset the cost of my travel. So it's such a win-win. I mean, if I could do it, you could do it. And your home might be worth more than you think.

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The mortgage we moved from was less than half of what our is now. And I feel like even in that state, we were stressing about money, too, and just not having... We didn't have enough tag at that point. Of course, our careers have shifted a little bit, and we've gotten a few raises over the last couple of years. But I think it was just a big jump. And I mean, ideally, the mortgage would be around 3,000. I think that's more reasonable. If we round up and we say, okay, $5,000 a month, I feel like there's a knife in my heart. It's just a big number to spend on housing, I think. So I think around that 3,000 would be great. And we moved in here and we did account for, okay, we have a six and a quarter % interest rate, and there's potential for that going down over the years. But you never know. I mean, if it did go down a % or two, that would be wonderful, and that would ease a lot of the pain. But you never know with that.

So have you been already looking at other options? Do you think that you would want to downsize to another home you purchased or rent for a while? Would you want to be in the same area?

Yeah, I would definitely want to be in the same area for now. And I had been looking at a lot of different options in the area, and that's what sucks the most is that you have, yes, there are there are really expensive, really nice houses, but then there are also really expensive, not so nice houses that are... I feel like even if we were in that $500,000 range to get us to $3,000 a month, that's probably as low as I would consider going just in terms of the quality of the house. But then even then, if I take all of the equity from this home and put it on that home, work through the numbers now of interest rates, it's not that big of a difference in terms of monthly payment.

Yeah. It sounds like the process of going through buying and looking at 20 homes and feeling just deflated pushed you into this place that you feel as nice of a house as it is. A house can never feel safe if it feels like a financial prison for whatever reason. And I say when people will tell me that they feel like they need for childhood trauma reasons or whatever reason, it doesn't matter to me. If you feel like having a home will give you safety, that's as good a reason as any. Even though it doesn't make long long term wealth generating sense across the board, as some might think, and default to as their idea that we've been told and brainwashed that homeownership is the ticket to long term generational wealth. I mean, there's just so many holes in that argument, and I'm really glad that you are now seeing it from different angles. But you're also not telling me that you are feeling like this is something that's going to make your heart happy, maybe in the way that travel would. I mean, I would for sure tell you if you couldn't afford this house, it's 40 % of your take home pay.

Ideally, it would be around 35 %. But I think you can afford it. You're just cutting out things that really do make life worth living for you, including the chiropractor, including the travel. I told somebody to call off their wedding because they had too much debt. So I'm not scared to tell you what I really think about it, but I'm not sure if this home is providing that security that you had wanted and the experiences that you wanted.

Yeah. And I think that's true most of the time. I I mean? And then I think about I have potential for a new opportunity that would give us a lot more financial freedom in the next three to four years, the way that it works out with the stock and bonus structure and things like that. So I just think of it as if three or four years from now, we will be in a much safer place financially, then is it worth it to give it up? Because I do still... I love the house. I love the community. I love the neighborhood. I have to put in there the pain in the ass that moving is and finding a new place and things like that. Just about to say, yeah.

I mean, yeah. Have you really thought through what that looks like?

Yeah. I mean, I definitely don't want to do it. I don't have to. But again, my My husband and I both come from families that were terrible at managing money. And we were both in situations where when we were in high school, our parents lost their homes due to just financial instability. Financial stupidity is what it actually was. There was no huge hardship. It just wasn't... They just weren't smart. So I think that we are just very cautious in a lot of the things that we do financially and just want to make sure that we're not putting ourselves in a bad spot ever.

Well, thank you for sharing that. I actually feel very similarly. I saw my house got foreclosed on as a kid, and I have never equated owning a home with financial freedom or safety because it wasn't for me. I would much rather personally have more money growing in the stock market over time and feeling like I have the ability to take out that money than having a pile of bricks or mortar or wood or whatever the house is for me. But that's personal. And I've had to do a lot of soul searching and asking myself hard questions. And so it sounds like you're getting to that place, too. I think from a financial standpoint, you can afford this home. You're going to probably make those other sacrifices. And this is not a cop-out. I can't answer that for you, what's more important in your life? Because Chelsea, I don't wake up in your life every day. You have to wake up in your life every day, and you have to ask yourself, really, I think you're in a good position where you have the true choice. You're not doing this out of panic and fear. This is not a fire-sail situation.

You're doing it from a place of strength. You could go either way and make it work. You just have to really decide which path is going to make you most happy and most fulfilled. Look, money without meaning is just paper. I've said it many times. And so what meaning does it have for you? That's the biggest question. That's like time, you get a bottle of wine, you look in the mirror, get in my big cup. Metaporically or actually, I don't know, whatever you want to do, and say, what is the life I want to live? Because at some point, the sins of the father or the mother are not bestowed on the son or the daughter. Just because you start to play out a certain way, sometimes we overreact because we want something totally different. Or sometimes we follow in the same patterns as our parents because that's what we saw. And so it sounds like you and your husband saw a similar behavior that I saw that was overextending for a home, ultimately losing the home. And so you wanted to be extra cautious. You have been cautious, and you have been really responsible.

So you've rightfully maybe overcorrected even to a place where you now have the choice. So how are you feeling now that we've discussed those?

Good. I feel better now that we've... But I've even just said it out loud and laid it on the table and brought up the fact that I have this opportunity where we could be debt free aside from the mortgage in less than a handful of years. And then also, I I feel comfortable in the spot that I'm in because in Minnesota, if you have to live in a home for... I don't know if this is how it is everywhere. You have to live in a home for two years. Otherwise, you have to pay capital gains on any proceeds that you make. So We have a year until the two year. And then also my son, he's three and a half. So we have a year and a half until he would potentially start school somewhere. So we wouldn't have to disrupt him in any way in that position.

I I think that you have another year to really think about whether or not you would want to make a change. You would probably do a 10:31 exchange like you did in the past, I'm assuming. So you would just roll that over to another home. So maybe in the next year, you take a look at some of the other houses in that 3K range, and you're smart to really think through the interest rate and where you can get to that number every month that you feel good with. It sounds like you don't want to rent, but so for buying where you could potentially move that would be in that range, just take a look and see what's out there. And I love housing porn. I look at it all the time for a variety of reasons. And sometimes when you're unhappy with the job, you go on LinkedIn or another job site, and you can just feel better knowing that you have something better than what's out there. So In order to really understand your values, take a look at the comp of the area. And I don't know what you're going to find. You could either find a bunch of shitty options out there and you're like, okay, well, I got this out of my system.

Or you could say, wow, there are great other options that I could be really happy with. And I have decided that my day to day lifestyle and being comfortable going to as much personal training and whatever else your husband wants to do is really important to us. And that's cool. And there are some great options. Maybe meet with a real estate agent. Do you work with one to see the state of the market in your area?

Yeah, for sure. She's already called. Oh, really? What happened? She called three months ago, and we were dealing with something, which is just a new build home. Sometimes things happen, whatever. But she was like, oh, yeah, we could probably... Your house is at 8:25 now, if you think... But We put on a deck, and we put in fencing. And so that was another $45,000. So I'm like, yeah, that's cool.

Wait, you didn't even mention... Okay, now I understand a little bit more why you're feeling the pain, because your payments weren't 40 $1,700. If you amortize what those upgrades were and put it into your monthly payment- And we paid cash for that. Oh, I know. I know. So you're saying you put in $45,000 over the last last year, correct?

Yeah. Yeah.

Okay. So over 12 months? Yeah. So do you know how much that is a month?

No.

It's $3,750. So plus $4,700. I mean, you're, in essence, paying on your house if you take what your upgrades have been. And that's why I was asking for maintenance, because maintenance, upgrades, all of the stuff that you put in the house, it's like a money pit.

Sure.

So you've actually been paying if you take the upgrades and amortize it over your payments, closer to $8,500 a month.

Don't even say it. Yeah, it's a lot.

So that's why you're feeling the pain.

Yeah. I mean, we had... Like I said, I'm somewhat comfortable with our emergency savings, but it was a hell of a lot more, $45,000 more. And that, I don't know. I think that doing these things, I don't know, in my mind, were necessary, but still, still definitely a pain point.

Yeah. So interesting. And when I tell you that your actual home contributions were closer to $8,400, $8,500 a month, if you divide $45,500 by 12 and add it on to your monthly payments, how does How does that make you feel?

Not great.

Are we unpacking a little bit more of why you feel like this is such a money-sick, money pit? Because this is what homeowners forget, is you left out a huge part of this, right? You left out a huge part of this. You left out That's a huge home expense that seems like once I discovered it or once you were telling me about your call with your realtor, I feel like I hit on a nerve. Hold on to your wallet. Money Rehab will be right back. And now for some more money rehab. I feel like I hit on a nerve. And you didn't even tell me. You told me basically down to the dollar what you have in all these different accounts. But that was a huge It's a huge home expenditure.

Yeah. And I didn't even think about it. I think about it as much as or in line with, I think, about the down payment. And we bought this house knowing that we would do these two things immediately, the deck and the fence. And so we took that money and the down payment money and put it aside. And then it was that. So I bucket that money in with a down payment situation where that amount of money just giving it away or not giving it away, but purchasing something in one day, then it's gone. It just makes you want to throw up.

I feel your pain I understand why you're feeling stressed. You're feeling stressed because you overextended. You wanted a $600,000 home. You were mentally prepared for that. If you would have called me a year ago, I probably would have told you to hang out without your deck and fence for a minute, get comfortable with this higher payment because you overextended. You were exhausted by the search. You put in a bunch of offers. You went with the black house. It was more than your budget. Then you added $45,000 extra in cash into it. And so now you're feeling extra stretched.

Yes, for sure.

It's an investment. It's a long-term investment, potentially, that you could get back or not, or you could have beautiful memories on your deck or I don't know what you do with your three-year-old hanging on a fence, and you'll have pictures forever. And those are important and valuable and maybe priceless, too. But I would just factor in the real cost of the homeownership. And that includes upgrades, maintenance, the unexpected stuff.

And start thinking about your real cost versus Because I was so proud of you.

I was so excited that you came and you were like, This is including what an amortized amount of property taxes is for a year. Because oftentimes people will say, well, here's my payment, but not include maintenance upgrades, property taxes, and those add up. So I would just go back, think about what that real number is, and see if you're comfortable with that, and then see what the other options are in the area, and see if you are... If maybe the grass is greener. I hate clichés, but I don't know, is the grass greener or not? I have no idea. And neither do you. Yet.

Right. And then adding in anything that we potentially want to do to this current house. Oh, gosh. It never ends, Chelsea. It never ends because I'm like- So what else do you guys want to do? Well, I want to My husband could not care less. But I mean, I'm in my office right now, and there's a white walls, and white doors, and white windows, and white carpet. And I'm just like, blah, no.

I know. I did find it a little suspicious when you joined Zoom and you used a digital background of another house and didn't use your house?

No, right. Seriously, my office is like the It's the most plain area, and I work remote a ton. So I'm like, what can I do? I mean, I know what I want to do, but it's just not in the cards right now.

Is it not in the cards? Okay, Okay, so it sounds like you're there for a year. Get comfortable with that. My recommendation is price out what these upgrades are. Get really clear about what they are. I mean, is it a can of paint at Home Depot and some of the whatever? I'm terrible at painting, the blue tape stuff. Is that you?

I can't do that. No, I'm so bad. I would mess it up royally.

I mean, great self-awareness, you and me both. Okay, so price out what those upgrades are. Divide that lump sum by 12. Add that on to your existing payments. See what that is.

Yeah, I already know what that is. I had someone come and just write out everything that I wanted to do.

Oh, now it's all coming out, Chelsea. 45 minutes later.

We got to pull this out of you. Okay, what is it? It's another 40,000. Oh, my God. But it's not like it's going to happen. I just want to know how much is this going to be if I were to do these things that I want to do to these spaces.

Okay. Well, what I'm going to tell you is no.

No.

Stay in the house. You're going to have shit that breaks and goes down. That's unexpected, even if it's a new build. And oftentimes with new builds, they cut corners and make it look really nice from the outside, but it's really crappy, whatever that breaks. I don't know, the faucets and the fixtures and this and then that. So just assume you're going to have some of that happen this year. So why don't you just spend the rest of the year, first of all, dating other opportunities, just going around to go doing a little house dating. And also just see if you feel comfortable with the baseline of what your mortgage is without another $40,000, $45,000. By the way, it's always over time, over budget for any... You wanted to build a house, but But any home improvement stuff always goes wrong. And it will probably be closer to $45,000 a piece of a bed, right? So you're doing a whole other big thing that's adding to this pain that's making you feel so strapped. So why don't we just not do that and stay in the house that you can afford if you don't add all these tens of thousands of dollars extra?

Yeah, I think that's fair. I got that quote months ago, and I was like, I'll just put it away because that's not going happen.

Or DIY your face off. I don't know. Or maybe there's another option.

Yeah, I'll have to look into it.

I would tell you because the girl that I told or the woman that I told to cancel her wedding, I was like, Hey, next time I'm in your area, we could for sure, I'll go to Michael's, we'll get party favors. I'll throw you a backyard party. You don't need all the fancy stuff that you're planning. So I'm inclined to be like, Next time I'm in Minneapolis, I'll grab my overalls. But I'm not.

I'm not I'm not going to. No. And I listened to that episode, and I will say I spent $1,000 on my wedding. I love that.

No, listen, I'm not here to rain on your parade, I think travel and chiropractors and grass-fed meat, all that stuff is important. And I'm not here to hoopoo on fancy party favors and wedding dresses and whatever else. But keep it real. I mean, keep it real with yourself. Understand what this money pit is and understand how that's all adding up and that's causing more stress.

Yeah, for sure. That makes a lot of sense. I never would have thought of the 45K paid out monthly, but it makes a lot of sense.

Yeah, or take that budget because you paid it last year. Take some of that and get yourself I have a freaking chiropractor.

I do have one. I just don't go as much as I would like.

Maybe the chiropractor can help you with some pain.

She can.

All right. How are you feeling now?

Good. Yeah, I feel okay. I'm not going to worry about it. I mean, like you said, I appreciate you saying that you would tell me if you thought I was that shit crazy and should We get the hell out of this mortgage ASAP. But that's not the case. And I think that I knew that, that reassurance. Yeah. You're thinking about it realistically.

You're not saying to me like, oh, my gosh, I'm going to be in this house and putting all these upgrades in, and we're going to flip it for two million bucks. Some people think that they're going to do that and be a home flipper and make tons of money. And you're not coming to it from that standpoint. And I think you're You're really realistic about that, which is awesome. I just think for the next year, get some more clarity, and then come back. We'll be here.

We're always here. All right. Sounds good. That sounds like a plan. I will keep you posted. I'm going to chill for a while, but then I'll keep you posted.

And next time I want to see this really nice house that you bought. Next time, no fake background.

Okay. That sounds good. I can do that.

Money Rehab is a production of Money News Network. I'm your host, Nicole Lappin. Money Rehab's executive producer is Morgan Lavoy. Our researcher is Emily Holmes. Do you need some money rehab? And let's be honest, we all do. So email us your moneyquestions, moneyrehab@moneynewsnetwork. Com, to potentially Have your questions answered on the show or even have a one-on-one intervention with me, and follow us on Instagram at Money News and TikTok at Money News Network for exclusive video content. And lastly, thank you. No, seriously, thank you. Thank you for listening for investing in yourself, which is the most important investment you can make.