Débora: la mujer cuyo cántico trajo victoria a Israel

Hey friends, if you've been sitting on a book idea and wondering could this actually become something, this is your moment. Join me in New York City on October 9th for Book to Brand. This is my intimate, full day immersive design to help you turn your idea into a clear, compelling, pitch ready book concept. You will meet the insiders, agents, publishers, and recent authors who can help bring your book to life. The first spots are limited and early bird tickets are on sale now, head to booktobrand.co to reserve your spot. So money episode 1992 asked for news. Welcome to So Money, everybody. I'm Farnish. It's Friday, June 5th, 2026, and a big day for the job market. The Labor Department this morning released maze employment numbers and turns out America was hiring aggressively last month. The New York Times writes that it's a sign that the labor market is on a genuine upswing after last year's law. 172,000 jobs added to the economy last month and the unemployment rate stayed steady at 4.3%. So this is great news for the economy, at least looking at these main numbers and Bill Adams, who's a chief economist at fifth third commercial bank, tells the New York Times that if job growth holds at this stronger pace, the economy is heading for a lower unemployment rate and possibly labor shortages. Huh, interesting. But what industries were hiring, right? This is my next question. Because we also know that, for example, if you're a software developer, you have one of the worst months. You've had one of the worst years for finding a job because of AI and we know that we have the data now to prove that. But leading this boom in May was the leisure and hospitality industry. They added 70,000 jobs. Some of that may have to do with the World Cup. Because all over the country are gearing up for millions and millions of tourists. Another industry which saw outstanding growth was healthcare, which has been steadily adding jobs over the past several years. In May, they added another 35,000 jobs. You know, who else is hiring? This is interesting. Local government hiring up 55,000 jobs in May and most of those jobs going to outside of education. So this report is something that the Federal Reserve, the Open Market Committee looks at very closely as it decides on the fate of interest rates. Looking at this report, you're seeing strength in the job market and it may indicate that, you know, we don't have to lower interest rates. The economy is not cooling. People have jobs. People are going to be spending. If anything, this could lead to a surplus of money in the economy in which case you would have to raise interest rates. I don't see that happening anytime soon, but this report doesn't really encourage the Fed to lower rates either. Of course, the White House is loving this jobs report, stronger than expected, by the way. The expectation was just an anticipated pay-well growth of 88,000. So this came in more than. You know, what's also special about today, June 5th, is its National Donut Day? Yes. What's your favorite donut? My favorite donut is the Brooklyn Blackout from Donut Plant in Brooklyn on Flatbush Avenue, which I have learned you can also secure at certain places here in my New Jersey suburb. And for my local podcast, local news platform that I run called the Monclair POD, I sent our intern out on a very important mission today this morning. She is, as I record, she is taste testing. So if you were then four different donuts at four different shops and she will be reporting back, #LocalNews. We are here to deliver and save democracy. But if you were looking for an excuse today to have a donut, you're welcome. But the dessert that's all the rage right now is not the donut. It is the dot cake. The New York Times calls this the Internet's latest sensation. Have you seen this? Have you tried this? I want to get my hands on a dot cake. They hail from dot cakes, a bakery in Roslyn, New York, who created the Bakes Good and sells it as well in this store in New York called Butterfield. And they go for about $8 a cup in Roslyn if you get it from Long Island and $11 if you buy it in the Manhattan store. The line they say starts as early as 6am. It goes around the block. What is this? It's a cup as the New York Times describes it. A simple confection, it's top with frosting and non-parelles sprinkles exported from Long Island as I mentioned. And it tastes a lot like you guessed it cake from a mix. People say though it has this multi-sensory thing going for it. If you look at it visually, it's got these beautiful sprinkles on top. And then it's got this layer of frosting and then a layer of cake. And then when you eat it, you've got also these different senses going. You've got all these different textures. The crunch from the sprinkles, the gooey frosting, the spongy cake. Listen, this is just birthday cake, essentially, with new marketing, no reinvention. But I have to say it looks very chic. It's very Instagrammable. You can thank TikTok for having a go viral. Also in this New York Times article about the dot cake, the writer uses the word "jimmies" or "jimmie", which is to describe the non-parelles, the sprinkles. And I thought we weren't supposed to say that word anymore. I looked it up because I grew up saying "jimmies" as a kid being from Massachusetts. And then in recent years, it's been debated as to whether this is racist potentially. And so I'm like, "The New York Times, they're pretty on top of these things." And so I looked it up. And so if you're confused like me, I looked this up. It's apparently an urban legend that claims that jimmies have a racist origin tied to Jim Crow laws, Jim Crow jimmies. But there have been some historical investigations, authoritative ones that have debunked these rumors. The term is believed to either originate from a 1930s just-born candy company employee named James Jimmy Bartholomew or from the Boston-based Jimmy Fund charity which raised money through ice cream sales. Interesting. Last night I watched the tribute to Eddie Murphy on Netflix. I love Eddie Murphy. And you know, his famous skid about the ice cream man and the ice cream truck. Oh my gosh, takes me back to Worcester, Massachusetts when that ice cream truck would come around the corner to our public pool. I knew exactly what I was getting. Away for cone, vanilla soft serve and chocolate. I guess I can say it, jimmies. In other strange but true news this week in the Wall Street Journal and also CNN, this story's getting a lot of play and I'm upset about it. There's a write-up about the annual National Personal Finance Challenge for teens. Now before you get confused, I'm going to tell you this. I'm of course all for young people learning about money, financial literacy is necessary as soon as possible. I get the importance of it. But apparently there's this annual challenge for teens, 20,000 high school students compete. It's hosted by the Council for Economic Education. And the Wall Street Journal was offering up some of the questions that these teens have to answer to essentially be awarded an expert in personal finance. This is a personal finance exam. Do you know what some of the questions were? Let's run through them. Which of these is not in the Magnificent 7 group of hot tech stocks? Alphabet, Apple, Halentere, Tesla. What hypothesis states that all publicly available information is already reflected in a stock's price? The members are on the FOMC, the Federal Open Market Committee. What is this? I will say I got a couple of these questions wrong. And I think I know a thing or two about personal finance. This is not a test for personal finance aptitude. It's a test for jeopardy questions. And factoids that might impress the person who's interviewing you for a job at an investment bank. But this is not actually what you need to know to build well, to manage your money well, to be an expert in personal finance. Most financial planners probably couldn't answer these questions because they're irrelevant. Right? Now, to this exam's credit, there were some questions about credit and retirement accounts, but they were phrased oddly. It just felt very trivial. No, there were no questions that I could tell about like what is a credit score or true or false questions about by now pay later plans or student loans, which this generation really needs to get on top of. And so I thought it was silly and it's getting a lot of press as I mentioned in the Wall Street Journal and CNN. And at the end of the day, I think it just bothers me because these questions are not, again, representative of what it actually takes to be financially successful. These poor kids are going to know how many people are on the FOMC committee, but it does not disqualify them from falling into credit card debt, right? Or betting their net worth on crypto. I hope they're learning about the, again, I hope they're learning about the problems with taking out too many student loans or just paying the minimum on your loans or why it's so important to start investing as soon as, or just paying the minimum on your credit card debt. Or the importance of investing as soon as possible. Who's making up these questions? I yes, the. Council for Economic Education. But you know what, I'm available next year if you want some input from somebody else who cares deeply again about the financial literacy of our young people. Okay, we're going to get to the mailbag too sweet, but first just a recap of some of the episodes that you may have missed this week. First, on Monday, we talked about the story of gold. This is a topic that I know many of you secretly or maybe not secretly love and are interested in, especially right now with a lot of uncertainty. Gold prices have been soaring. Dominic Frisbee is an expert and author of the book, The Story of Gold. And in our conversation, we get into how come gold has so much power over us. And why still today, people love to buy it, including people like us in countries like China and even the US. And as it being June, it is pride month. And I wanted to replay my very important conversation with Nick Wollney, who is the author of Queer Money. We talked about the myths and the stressors and how people who identify as LGBTQ+ can build wealth in a world around them that has not always made space for their identity. Very important conversation. All right, let's hit the mailbag. First up is Kelly, who asks, "Farnush, my wife and I have been together for a few years. We're starting to talk about next steps like marriage. I'm nervous though about how to approach the finances. He makes significantly more than I do. I want to keep my financial independence as we combine our lives. I love my job, but I work in the public sector and I'm probably never going to make as much as he does working in finance. Do you have any recommendations for how to navigate a significant pay gap in a relationship?" Hey, Kelly, did you know that I am the premier expert on when there's a spouse who makes significantly more? Whether it's a woman or a man, I did write a book about women breadwinners, but I think it's applicable to any marriage, any relationship where one person is making more, where there is income disparity. It's called when she makes more get the paper back because they're not printing the hard cover anymore, but it is widely available in paperback. But I'll share some of the advice from that book. Again, it's written for female breadwinners, but I think that the advice is transcends female breadwinners. I think it's for anybody who wants to learn how to, in some ways, level the playing field, the financial playing field in their relationship when there is income gaps, income disparity. So firstly, Kelly, I love that you said you want to maintain your financial independence. I love your heads at to that end. My recommendation for you, anybody who's in a relationship who wants to maintain financial independence and hopefully your spouse or partner does too, is that you don't put everything in one savings account. You don't pull your combined incomes together into one bucket. You might have a shared account for shared expenses, for shared savings goals, but also maintain independent individual savings accounts. They can be at the same bank where you've got your pooled joint account, but also have your own stash. And if you haven't talked about money yet, you definitely should. If you're thinking of getting more serious and you said you've been together already for a few years and talking about marriage, so it's a good time to talk about the future and how you're going to manage your money together. And to throw out the idea of having a pooled bank account where you each take, say, a percentage of your incomes equal percentage, even though it'll be equal percentages, the person making more will contribute more dollars, but the idea is that it's equal percentages. That money goes to pay for your shared costs, whatever you decide to share in. And then the remainder stays in your bank accounts. And that I think I have seen time and time again help so many couples to your point, remain financially independent. It reduces fighting. It reduces this feeling of having to ask for permission to buy things. It's just better for everybody. And these days, I think with people getting married later in life, having had their own financial lives before getting married to somebody and having to remap their financial life with this person really helps to maintain autonomy and have your own bank account. It's not a license to go out there and spend frivolously or without being mindful or thoughtful of your partner and of your goals and your relationship. But listen, if you want to go get a haircut, you go get the haircut and you don't have to have a conversation about it. Do you know how painful that is? I've seen it happen so many times in relationships, couples fighting over, which they shouldn't be fighting wasting time on. We should be talking about your retirement and your goals to buy a house and saving for big ticket items. Not you bought a pair of sneakers. Why did you spend $90? Life's too short. So that's the first thing is having those three bank accounts, mine, yours, and ours. Transparency is also really important and it starts with open communication. So going back to what I said about having these conversations now, it will set you both up for success down the road when money questions and crossroads become a little bit more complex. You flexed the money muscle and you have talked about money and talking about less maybe even the dollars and cents of your lives together. But what are your goals? How are you raised around money? Very important for couples to know the background before they get married of each person's financial experiences. How did you learn about money? What was money like for you growing up? When what was your first job like? How did you pay your way through college? You may already know some of these things because that's what naturally comes up in intimate relationships. But if not, important to have these conversations and also get into the weeds of things like what is your credit score? How much do you have in savings? How much do you make? There's a lot more that I can say on this. Again, I've got a whole book on it, but I want to end Kelly with this tip, which is not really a financial tip, but it's more about how you see yourself in this relationship as somebody who makes less. I don't think you're in this mindset, but I just want to say this for anyone who ever will feel this way because it is natural that just because you make less does not mean that you are less than. It doesn't mean that your career is less important. Very important message is especially for women who make less in a relationship. Why? Because more often than not, when we make less in a relationship in a heteroreal relationship, where the male partner makes more and she makes less, when there is maybe a child in the picture or two, it often ends up that she quits her career to compensate for childcare. Because why? I make less. So my career is not as important or I make less and childcare is about the same as what I make. And so there we go. As opposed to looking at your financial lives and the incomes that you bring to the table as something that you share in it, not my salary versus your salary, we make this combined income. And this is our purchasing power, our savings power, our investing power as a couple. So I never want anyone to feel that just because they make less that they feel like they have less power in the relationship, less voice, less anything. If you're going to give the person who makes more in your relationship, more power because he or she makes more, it's not healthy. It's a recipe for arguments and breakdowns. And the good news is it is avoidable. If you stay proactive, you communicate and you leverage your strengths and you keep listening to this show and you send me these great questions. Kelly, thank you so much and good luck to you and your boyfriend. All right. Next is Karen and she says, Hey, Farneesh, I've been listening to you for about a year. I've learned a ton and I've become more bold in my financial choices because of your show. Thank you. I love hearing that Karen. Okay, here's Karen's question. It's a good one. I am considering being an investor for an up and coming chef in our area who wants to open a restaurant. He now creates dinners for small or large groups in people's homes and puts on a lovely evening. He's well known on the foodie population here. I can see him becoming a really well known chef and would like to help him out. He needs $120,000 for his restaurant and he's asking for a portion of that for my husband and I. I told him we were interested in investing. The ROI return on investment would take about five years. Whatever we put in would allow him to get a better bank loan and we have the money to invest and we are interested into getting into angel investing anyway. What's your advice for us as far as the amount of money to put into this venture and what to look out for if we go forward? All right, Karen. Great question. Love that you and your partner are interested in some angel investing. I think this is a great step in your financial life when you feel like you have checked off a lot of boxes. Your squared away as far as saving for retirement automatically. You've paid off debt. Maybe you have a mortgage but nothing high interest. Obviously you know credit card debt. Your incomes are secure. In general, things like angel investing. I would also throw into this category things like crypto investing or real estate investing. These are alternative investments and in the financial advice world, we tend to say that no more than 5% of your investing portfolio, your investment portfolio should be should be focused on these types of alternative investing. We know they're so volatile, right? Restaurants? Hello? That's huge risk. You probably know this. It's the number one most failed business in the country around the world. 60% of new restaurants will fill within the first year. Nearly 80% will close before their fifth anniversary. Now, I don't know what the business model is for this chef, and that's the first thing you want to get. I know that you're in love with the chef, and the fact that he puts on a lovely evening, and he's well known, all great ingredients. However, he still needs to produce a business plan, right? He's starting a business. He needs to show you a business plan. He needs to be buttoned up. I would want to know. I would also want to know how much of that $120,000 is he going to cough up? The more he's willing to put a stake in his investment, one, the more likely he'll get a bank loan, and that is reassuring for all the other investors, you and all the other angel investors, knowing that he is also putting some skin in the game that he's not pulling this entirely from the crowd. So look at that business plan. Have maybe someone who's more experienced in restaurant startups or chef run businesses to look at it for you. You say you live in a foodie population. There's probably someone around, through word of mouth, that you can find to also take a look at this business plan and just see if his plan makes sense. If there are questions that you should follow up with, you want to know that ultimately, this person is really invested. And like I said before on the show, you're investing in a business, but you're also investing in the person. It sounds like you're really behind this person. You believe in this person, which is important. I think that's a great sign, but don't let that overshadow the importance of having a lock solid business plan. And understand that this could all just go up in flames. This really could and find something else in this experience that you can hold onto that will make you feel good, that it was a worthwhile experiment. Maybe it's that you do get to enjoy a few free dinners and be a part of this community that you find to be so rich and interesting. I think when you're choosing these alternative investments, and I've said this before, whether it is crypto or investing in a startup or real estate, is that recognizing that this investment could go south is important and preparing yourself for that mentally and financially. But if along the way, you can also find some pleasure in this process, like for me art, right? We talked about art one week. If you haven't checked out that episode, please do. It was with Liz Leget, Gallery owner and art advisory talk about how to turn art into an investment. I would really love for everyone to just find some enjoyment in the process because if it doesn't work out, financially at least it still could work out in another way. The experience is that you might get from investing in this restaurant, the people you might meet, the food you'll taste, and the behind the scenes of running a restaurant that you might be exposed to. It could inspire you to do this yourself for the next time someone asks you for money for a restaurant business, you can have a wiser, more strategic approach that way. So don't bet the farm, no more than 5% of your overall invested assets. If you have an investment portfolio that includes your 401Ks and other things, and it's like a million dollars, then I would say $50,000 is the max you would want to give. And he's looking for 120,000. Hopefully he's pulling this from a wide number of investors. I've been approached to invest in restaurants, and typically the ask, I don't know what they're how much they were looking to fundraise entirely, and this was New York, so I'm sure more than 120K. But their ask of us was about five or 10K. I ultimately did not give them the money because I didn't trust the business owners. They had a drug problem. I just couldn't give my money to people who were addicted to cocaine. And was that too much information? But you know what, the restaurant went on to be a wild success. So I guess, I don't know what the lesson is there. You have to trust your instincts, and you have to also be OK with losing money. But no more than 5% I would say of your total assets that are currently being invested. Next question. For our new, is it better to file taxes jointly or separately with my spouse? The general rule of thumb is that you want to file jointly. The IRS tends to give couples that file jointly more tax benefits, including a larger standard deduction that said there are pros to filing separately. So you may want to consult a tax pro. I would say if you run a business, one of you runs a business, or if one of you makes exceedingly more than the other, you have any other extraneous circumstances. If for any reason you don't want to combine your taxes, talk to a pro. It's worth it, even if you just talk to somebody for an hour to give you their best recommendation. And so with that, should I really hire an accountant? This was a question that came up. My opinion, if your taxes are complex, if you own a business, if you got married last year, you sold assets like stocks or real estate or a business, you may want to work with a certified public accountant who also brings that sort of expertise to their work. OK, next is our friend, Rory, who writes in, "Fernish, have you or are you planning to do an episode related to finance and health care costs?" I'm dealing with some health care challenges, but I'm very fortunate to have reasonable commercial insurance, deductible copay, all of it, as I deal with the consequences. I'm also well off with one full-time job and two adjunct side hustles, because I'm a public health worker and a bleeding heart in my core. I can't stop wondering how a counterfactual me or a typical patient who is not well versed in health care and privileged would handle this. I know that you appreciate the point I'm emphasizing here. Yes, Rory, absolutely. I empathize and we have dedicated at least a few episodes to health care costs, and I want to refer everybody who's listening in new Rory as well. If you want to share this with your peers and anyone else, check out my interview with Dan Weissman. He is actually the host of a podcast called "An Arm and a Leg." And on that show, he takes health care, which is enraging, and terrifying, and depressing, all the things you describe, the cost of health care, and in his show, he makes it empowering and useful. He talks about how to negotiate your medical costs, how to secure health care when you leave your job, how to shop around for more affordable health care options. And also check out healthcarebluebook.com, as well as fairhealthconsumer.org. Healthcarebluebook.com, fairhealthconsumer.org. Those two sites you can use to help navigate various health care costs, expenses, get a reference of what is the going rate for a procedure in your area. You don't have to take the first and only price that's presented to you by a physician, by a hospital. You can shop around. So thank you, Rory, for bringing this to our attention. Moving right along to our friend Kate in the audience who emailed me, "Hey, Farnish, just discovered your show, and I want to thank you for all the great advice." Here's my question, what is the best slash quickest way to save for a house down payment? My husband and I have an emergency fund and just started adding to a separate pot of money specifically for a house down payment at a higher interest rate online bank. I'm wondering if the online bank is the right place to have our down payment fund, or should we put it in the market for higher returns? I know the market is good for long term investing, but we'd be hoping to buy in the next five years. For context, we both work full time. We're contributing 10% to our 401Ks, not much to the 529s for our sons. We have two young sons. We live in a very high cost, a living area, so we'll need a lot of cash for a down payment. Start our homes and our area are around a million dollars, so 20% would be 200,000. And we are far from that. Should we be contributing less to our 401Ks right now? I'm just trying to understand how to make the most effective choices with our money. All right, Kate, thanks for writing in and thanks for being new to the show. I'll tell you a hack, a trick. Now, it may not work for your family, but I'm gonna just put it out there. Maybe it'll inspire a friend of mine from college. When she got married, she and her husband, knowing they wanted to buy a house, and at the time I think they were building a house, they wanted to build a house. They did their dandist to live on just one salary. So here's the hack, imagine you or your spouse got laid off. And you're still trying to save for this house. So the idea is that you try to imagine that you're just living on one person's salary. That may mean cutting a lot of your expenses, finding ways to reduce your bills, and to the best of your ability, putting the majority of what you or your spouse earns, one paycheck fully to savings. This will accelerate any savings goals. Let me tell you, it is aggressive. It may sound preposterous. You said you live in a high cost living area, so cash flow is important. But if you really want to make this goal happen sooner rather than later, without putting it in the market, I don't recommend that because you said it yourself, if you want this money in the next five years, that's too short of a turnaround to put money in the stock market. If the market tanks in year four, it may take a few years for it to rebound, and then you have to wait that much longer for purchasing a home. But try it for a month or try it for a week. See what would happen. Imagine you or your spouse got laid off or didn't work or quit working. And you had to live on just one person's income for a short period of time. What would you do? It's kind of a thrilling exercise. I mean, if you like torture, but I know, seriously, I think this could actually be for everybody, an interesting experiment. Why not experiment with these sorts of what ifs before they actually happened because because a lot of us have to work on this in real time, in real life, and there's no practice. There's no dress rehearsal. So practicing that, seeing just how well you can do, and maybe it's not the entire paycheck that you save, but could you say 50% of your paycheck? I wouldn't do this at the expense of not investing in your 401(k)s. Do not compromise your retirement on the road to home ownership. It's very important that you squire away as much as you can for retirement. This is on us. There are no pensions. Social security is only gonna make up a fraction of your financial needs. We're living longer, and healthcare is extremely expensive as we just went over. So that's my advice. Keep it in the high interest savings, not in the stock market. Then see if you might be able to allocate a majority of one of your incomes to savings for at least a little bit. It's a little painful or a lot painful, but I'll tell you, it has worked for some of my friends, and while you may not be able to do this entirely, maybe it'll inspire you to save more of your paychecks. Don't worry about your children's five, 29 plans. It's nice to be able to pay for your kids' college education in full, but remember, there are many more ways for your kids when they grow older, when they're ready for college, to find savings, to find alternative ways of affording college. More important that you save for yourself, and that includes retirement, your rainy day, and even this home down payment. Next is a retirement question from Sonia, writes it on Instagram, "I hope you can provide "a little guidance for News. "My salary is too high to invest in my Roth IRA. "I want to open a new investment account. "Should I open a regular brokerage account "or a traditional IRA? "I have a 401k where I put in 10% with a 4% match." Thanks. All right, Sonia. Generally, the advice from the financial community is to maximize, optimize all the available tax-friendly investment vehicles at your disposal. So the 401k counts as one, because you get that tax deduction today. The Roth IRA is also a great tax savings vehicle. You get to contribute and then withdraw from that account in retirement paying no taxes. To your point, there are income limitations to qualify for a Roth IRA, which you exceed. So then the next would be the traditional IRA. There are no income limitations to participate in a traditional IRA, however, to get the tax deduction, which works similarly to a 401k tax deduction. You get the break today, you get the tax deduction today. You do need to be mindful of some salary limits. And if you're contributing to a 401k at work and you're getting the tax break there, the IRS does limit the deductions that you can take on an IRA, a traditional IRA. So go to the IRS website, IRS.gov. They've got the whole table there, depending on your filing status, your adjusted gross income, they'll tell you how much of a deduction you can take on the traditional IRA. If you learn that this does not work for you because of where you are income-wise in terms of getting that tax break, then I would look into a brokerage account. There are no tax benefits per se with a brokerage account, but you might find that within that brokerage account, you have a lot of more options. There's obviously no limit either, like there is with the 401k and the IRAs in terms of how much you can contribute. And you can take the money out whenever you want, penalty free. So there are those benefits with a brokerage account. Thanks for your question, Sonia. Moving on to Anila, who lives in Indiana, works as a nurse practitioner, listener of the show, and she writes on Instagram, "Four Newsh would really like financial advice, but I'm having trouble finding somebody I trust locally. Do you happen to provide one-on-one financial coaching by any chance?" Well, I don't, Nilo. I don't have a license or the CFP, which I recommend if you're going to pay someone money to give you investing advice, work with somebody who is a certified financial professional. And the good news is that wherever you are in the world, you can find somebody and work with them virtually. There's no need to be in person. The most important thing when you're looking for a financial advisor or planner is that they understand your life situation. They have experience or they have other clients that have similar goals, similar life stages. Maybe if you're a business owner, you might want to work with a financial planner who also works with other business owners. It just helps to know that this person has experience relating to the experiences that you're going through in life and how to align your financial goals with your personal values. I love recommending XY Planning Network where you can find planners all over the country. They're all certified financial planners. The important thing here with the CFP, the why I always recommend that you work with a CFP, is that they must put your financial interests before theirs. So they're never going to sell your product simply because they're going to make a commission off of it and they're really excited about that. They have to recommend you products and avenues that will firstly and mostly benefit your financial life. If they happen to make a commission off of a product, they have to disclose it so that transparency should be there, hopefully will be there. They're required to disclose. And word of mouth is great. Asking around colleagues, friends, relatives, do you work with someone? Do you recommend this person? I find that that is also a fast way to finding someone who can work well with you. And I would recommend that you ask about their prices and their fees and see if there are flexible ways to work with a planner. Some planners I know still want to charge you a percentage of your underlying investments that they're investing for you, but that's a bit of an antiquated fee structure in my opinion. It doesn't really meet people where they are right now, which is that I'm still building out my investments, but I have all these other financial goals to hit. I want to save for college. I want to buy a house. I want to save for starting a business. All of that needs attention and planners who understand that and don't want to leave that entire market under served will usually offer other ways to work with you, whether that's a retainer, a monthly retainer, an hourly fee. So don't be hesitant to ask about fee structures and how they might be more amenable to what you can afford and what you're really looking for. Thanks, Anila. And that's our show, everybody. Thanks so much for tuning in this Friday. I hope you have a wonderful weekend. Stay cool. SPF it up, y'all. It's going to be very hot this weekend on the East Coast. And I'm sure lots of places around the country. I've got a heat wave going on. So I'll see you back here on Monday. Our guest will be one of the most original gangsters of gangsters in personal finance, Beth Kobleiner. She wrote the seminal book, Get a Financial Life. Do you remember that book? Personal finance in your 20s and 30s. It was one of the first books I ever read to figure out how to connect any dots with my money. She is back with, I think, probably the sixth edition of this book, and she is a gem. I hope you'll tune in for that. And I hope your weekend is so money.