Ptak: I wanted to ask about that. All Rights Reserved. Im mixed race, and I used to babysit for this woman who I thought was just the height of chic because she had the Talbots catalog on her coffee table. Such opinions are subject to change. So, I'll let you know how that test goes. And when I say that, I dont mean, oh, Id start to feel a little sleepy. According to Geneen Roth, why do people struggle with the concept of "enough" as it relates to eating? And, let's start with talking about where we each learned about money. So, it has nothing to do with intellect or training. Not high; lumpy, therefore their business is risky, so perhaps their investments should not be. I don't mean to equate men with rotten pieces of fruit in the salad. Or will it be fleeting and perhaps even an opportunity for things to get better for women? In some initial, what does your richer life look like now on a go forward or how are you thinking about it? How would you counsel people who don't have a lot of assets to find a good-quality financial advisor? Ptak: Buying a home is a big financial goal for many younger people. And then you see the homes they live in, and the cars they drive. She led a world-class non-profit whose board of directors was like a Whos Who of F100 company CEOs. I hated it. Benz: Well, Manisha, you have been so thoughtful and so generous with your time and insights today. And this goes for anything. And primarily the concept that most of us have money in our lives, because either we or someone near and dear to us, spent time working for it. And I pointed that out, and the other women acknowledged, yeah, you do sound different. I think it's going to end up being a financial memoir, rather than a how-to book because I still struggle with that. Unlike investment banking, where it seems that the allocation of work (and the bonus pool!) You may feel a little awkward about income in the beginning. She decided she wanted to leave the world of institutional finance and all that stress and pursue a more fulfilling role, helping individuals with their finances. Now, you don't have to jump right into that. And, a while back, I had penned a short piece for The Wall Street Journal's wealth panel experts online. And they lived in that house for a good 30 years. Which of the following is the best tool for identifying a client's motivations and fears when closing the deal? Why are you treating me any differently? Teresa Ghilarducci: To Fix Retirement, Expand Social Security, The Long View Podcast, Morningstar.com, May 19, 2021. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". And this can be one area where financial professionals can be of great help, which is this notion that owning your own home is the American dream. And it was, I mean I can remember, I had even before Steven Jobs was famous for doing his black turtlenecks, I had like my power outfit. She works in. And in some ways it kind of was. And so just really realizing that, wow, one day you can go from being this vibrant, highly contributory person to someone who literally cannot keep their eyes open more than five hours a day. Get financial insights straight to your inbox. Which of Geneen Roth's guiding principles is she exploring? The author and financial educator discusses how social media affects financial well-being, how women can close the wealth gap, and why young people should steer clear of individual stock trading. Past performance is not a guarantee of future results. Authors : Thakor, Manisha, Kedar, Sharon. My guest on today's podcast is Manisha Thakor. And from the advisor standpoint, when I had my own practice, I had a $3-million minimum, because as a boutique practice, that's what made economically the most sense for me. Youre never going to get an F500 corporate board seat. Helping young people get off to a healthy start financially is another issue that you focused on in your career. And on top of that, what I believe to the tips of my toes is the single best client experience out there. Manisha Thakor is vice president of financial well-being at Brighton Jones, an innovative Seattle-based wealth management firm devoted to helping clients coast-to-coast live a richer life, literally and figuratively. Golden palace walls, golden bed, golden chariots, all gold, everything. In this episode, she talks about joy-based spending, her masterful techniques to paying off debt and so much more. I was in and out of a hospital for a month and then on bed rest for three months. Thakor: To me, it all boils down to investing versus planning. Sherianna Boyle Archives; KIDS 4 LOVE Project Radio Show. Priceless Financial Advice For Recent Graduates, by Manisha Thakor, feminist.com. Gear advertisements and other marketing efforts towards your interests. I feel like having an understanding of where each other stand, at least in terms of net worth, in the beginning, in terms of do you have a bunch of debt or not, is a great place to start. And oftentimes through their first child they can, and then the lack of support from employers, I've noticed, tends with--depending on your level--child two or three, just push you over the edge. These books ultimately led to a wide range of media appearances, keynote speaking requests, and brand ambassador assignments. Manisha Thakor has the solution. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Reflecting on her experience on Wall Street, as a leading fund manager, and a best-selling author, Manisha offers a first-hand account of what constant stress can do to a person both mentally and physically. And theres so much we still dont know about the effects of stress, the effects of various different viruses layered on top of each other. This field is for validation purposes and should be left unchanged. In classic finance fashion, I didnt know what I had powered through. Verify your identity, personalize the content you receive, or create and administer your account. Manisha is founder of MoneyZen, a financial education consultancy. And I think those are the pieces that women inherently are sensing. What is the 50/20/30 Budget Rule? by Eric Whiteside, Investopedia.com, Oct. 29, 2020. The pleasure was ours. Manisha Thakor: At business school we talk about like, "What's your number?" And your number and Brighton Jones speak is your BFA. And so, we're all comparing ourselves to cellulite-free, super-skinny size-zero women, which we may still be doing. If you Google fiduciary, low minimum or fiduciary, financial planning, oftentimes those keywords can help you find someone in your area. I think there's this misnomer that we really need to change. They reversed the curse and one by one Midas began interacting with this former golden world, bringing it back to its proper form. He grabbed a fistful of grapes and smashed them into his palm, just for the feeling. We talk about the need for emergency funds, and so forth. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. And so I really came face to face with how quickly health issues can creep up on you. And towards the end of the day, I was in with this guy and he looked at my resume and was like, You look like a social worker. But in the meantime, true WELLth will continue to bring you the same wellbeing experts to a feed near you. You've been very public about having bipolar disorder and getting treatment for it. Do you think there will be lasting effects from this? To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research. Our laser focus goal for clients at Brighton Jones is helping them align the way they spend money and time with what matters most to them and life. Thatd be a good time to check back in with our old friend King Midas. Thakor: But the second question, what is your ability to take risk? Manisha Thakor (MBA, CFA, CFP) is the founder of the financial wellbeing consultancy, MoneyZen. According to Amu Pershing, binge eating disorder is: Which of the following meals best aligns with a traditional macrobiotic diet? At business school we talk about like, Whats your number? And your number and Brighton Jones speak is your BFA. b) Before the next session, call her and say, "I want to make sure the time frame we agreed on when you first signed up still works for you". Healing From Within. And then you compound that over time, that starting point really makes a difference. The key bridge between my institutional and retail financial services industry experiences were two personal finance books directed at young women in their 20s and early 30s that I co-wrote with a friend from business school. Sheryl Glick Archives; Healing Times Radio. You see somebodys photo from vacation, and you don't see the kids having a food fight and mom and dad giving each other the silent treatment; you just see the Kumbaya photo at the end. And out cold. And it felt like Id almost gotten stuck into a cult where all that mattered was making more money. But it's definitely not a romance killer, or a relationship killer if you're wildly different. When you are your future lover won't likely be technically guilty of debt your obtain before tying the knot, it could be a collective barrier immediately after you happen to be partnered and you can attempting to do financial desires togethermit to help you significantly cutting your obligations prior to engaged and getting married. Oh, and when you are ready to consider board work join Athena! For years, I was diagnosed as having major depressive disorder. We spend more time out of the paid workforce caring for children and elderly parents. In other words, there's a set of pieces of the investment plan that are walked through with each client based on their needs, but you're not going off the reservation. She is the founder of MoneyZen LLC, a boutique financial education consultancy providing keynote speaking and financial literacy workshops to organizations focused on financially empowering women and families. My mom was a professor, so, I mean this in the most loving of ways that professors oftentimes, especially those with tenure, can feel a little bit more conservative than an entrepreneur, yet they can take on more risk. And then if you have debt, which so many young people are dealing with student loan debt right now--many young people are graduating with a mortgage, that's how large their student loan debt is. But I think talking about where you are in terms of savings, your attitude toward it, where you're doing it, how you're saving your 401(k), and how you chose your investment selections, or your 403(b). Do you think we're finally ready to discuss and destigmatize the mental health challenges that many among us are dealing with? It's also property tax, insurance, upkeep, etc. @ManishaThakor. I don't know if that's true. 17.3K Followers. Id buy a scone and a cup of coffee, and I would read a book and I would lose myself in the sunshine that would stream through the window. On My Own Two Feet: A Modern Girls Guide to Personal Finance, by Manisha Thakor and Sharon Kedar. Part of the reason I think it's so important to talk about it is to encourage people to seek help. And so what I see happening is these women in wealth initiatives get started off with a bang. And all too often we focus on the first component, your willingness to take risk. And so, I want to emphasize that women who want to stay in the workforce are having trouble. You will read it cover to cover. Alas, this individual came back to me and essentially said, Well this is pretty much a non-starter. You'll reflect on your spending personality and values, and set concrete goals for resetting your spending habits. And I don't think women are getting enough credit for this. And so that was another piece of the mix that got me to be on this path. And that really is my only memory of fun during all of those years of working. Nov 5, 2012 Release False Beliefs (to hear your true hunger) As part of her MoneyZen series, financial literacy advocate Manisha Thakor suggests following a path less traveled to finding true. When I was in college in late-80s, early 90s, the magazines were very reticent to say that they airbrushed photos. Tweets. The gods heard Midas plea and took pity. So, you're basically doing the financial equivalent again, in my opinion of eating Pop-Tarts and Twinkies, and no one's talking to you about nutrient-dense fruits, vegetables, high-quality fish and meat, and so on. And so, the question is, if you are a young person today, where mobility is the name of the game, and if you're at the same place for longer than five years, it's no longer considered a badge of honor. And I had several extended family members pass, not from Coronavirus, but pass unexpectedly. Manisha Thakor Personal Finance Expert & Author - Portland, Oregon Personal Mission To help people "Live a Richer Life" - literally & figuratively. As we say, our bittersweet goodbyes to Manisha at the gates of adult summer camp, with her whole new take on life, focused on her wellbeing. Tax ID: 84-0632115. Manisha Thakor, CFA, is director of Wealth Strategies for Women at Buckingham and The BAM Alliance, a community of more than 140 independent registered investment advisors throughout the country. According to Manisha Thakor, what is the ideal formula for distributing your income after taxes? And these were all just very foreign worlds in the town where I grew up and she encouraged my parents. And a big part of the reason for that is they took out 30-year mortgages in a time period where that payment was steady, home equity lines of credit and HELOCs were a very rare entity. And I literally can't remember the last time I spoke to a group of all men prior to five years ago, where a man asked me about ESG, socially responsible investing, MRI, pick your name. But what I do know is true is that these days, many people are currently living in retirement longer than they worked. Before that she was director of wealth strategies for women at Buckingham Strategic Wealth. Ptak: What's your take on the FIRE movement? You've alluded to some of the forces driving that, but how do you go about making people feel better and more empowered, even if they have a low or negative net worth? This book actually makes personal finance interesting. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Do I know how to think about causes and contribute to things that are bigger than me anymore? Im using the word retirement because Im saying goodbye to the corporate world. Know Your Number: Three main credit bureausExperian, TransUnion, and Equifaxmaintain your history, which financial-analysis firms like FICO and Vantage use to crunch your score. He had learned that a life focused only in accumulation of wealth was not very enjoyable or let alone sustainable. I ultimately didnt get the board seat (it went to a white male, thus maintaining the 100% white male nature of that board! And sadly, too many of us can relate to the concept and grind of the false promise of self actualization through the accomplishment of a singular goal. Find some stanzas that strike you as particularly quotable. So, this is a very long-winded way of saying, yes, I think it's still a need. Benz: Wanted to talk about financial advice and finding a financial advisor. Finding the Right Advisor: Its Complicated, by Jim Pavia, cnbc.com, Jan. 15, 2015. Our dear host Manisha Thakor is taking the leap into retirement. These cookies will be stored in your browser only with your consent. Home My Books And I think so much of the modern capitalist world can put us in that place and good things can come out of it, right? I still was not able to put joy into my life. I had two eye-opening interactions with boards before joining Athena. So, use the financial three way--yours, mine, and ours--to figure out how you want to populate those buckets. Learn more about how you can live a richer life at BrightonJones.com. In this interview, we learn more about Manishas executive journey, her tips for rising women executives, and how her Athena membership helped round out her career as she finds balance in her third act. And so, you do it, great. And then if you need ongoing--it can either be a la carte or hand it off to an estate lawyer, hand it off to an accountant. An ardent financial literacy advocate for women, Manisha has authored two critically acclaimed personal finance books for young women in their 20s and 30s: On My Own Two Feet and Get Financially Naked. Thakor: Well, Christine and Jeff it has been such an honor, and I feel like I grew up in the business with Morningstar in so many different capacities. Poor Midas was nowhere close to happiness. Thakor: Very, very carefully. And then it appears from antibody tests that Ive had mono several times. According to Amy Jo Goddard, which of the following is NOT a fundamental of adult sexuality? Benz: You referenced this multitasking that goes on for young people where they're balancing all of these competing financial goals like college debt paydown, retirement savings, emergency funding, and perhaps home purchases, and other short- and intermediate-term goals that they might have. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. Manisha Thakor: Christine, thank you so much for having me. So, you can come up with whatever rules you need to and as your income goes up, add a couple of zeros to those numbers. Other couples will say, what we come into it is yours and mine and what is ours is only the moves that we make going forward. Financial literacy advocate Manisha Thakor is the coauthor of Get Financially Naked and On My Own Two Feet. And then two to three years into the program, unless you have a very powerful internal sponsor--male or female--the programs often go by the wayside. Gen X & Gen Y--Dialing Financial 911, by Manisha Thakor, moneyzen.com, Sept. 29, 2010. She lives in Santa Fe, New Mexico, with her husband, Randy. And at Wellesley, a lot of alums come back to campus and talk about their careers in finance. Thanks so much for taking time out of your schedule to be here. It's just stylistically. You cowrote a book about how couples can find compatibility in their financial lives. Im so looking forward to adding as much value as possible in my new role. According to Manisha Thakor, having money: If a client is interested in highly specific nutrition details, which of the following responses might provide the most insight? My work has been featured in many media outlets including CNN, CNBC, NPR and The Wall Street Journal. Benz: George Castady is our engineer for the podcast and Kari Greczek produces the show notes each week. I had the honor and pleasure of working with Larry Swedroe when I was at Buckingham Asset Management. And I don't think we as an industry are focusing enough on that in our dialogue with clients. Privacy Policy and And I just remember thinking how sad that Im This is my moment of reckoning and realization that its not a platitude, just eerily is real. And, of course, social media doesn't make it any better. Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. I suspect you'd have to earn 20% to 30% more than those jobs actually pay. Reboot Your Finances: A 3-Part Workshop for Women, with Manisha Thakor, eomega.org. Thakor also is founder of MoneyZen LLC, a boutique financial education consultancy providing keynote speaking and financial literacy workshops to organizations focused on financially empowering women and families. Many times we end up doing way more damage to ourselves and wellbeing when striving for that singular goal at the expense of everything else. So I looked as gender neutral as I possibly could, they didnt have to worry about what I was wearing each day. Thakor: Well, I think it's going to be both. Manisha Thakor is vice president of financial well-being at Brighton Jones, an innovative Seattle-based wealth management firm devoted to helping clients coast-to-coast "live a richer life," literally and figuratively. I had written two books. So Manisha made some huge life changes though, not overnight. I think we've lost so much of that. Manisha is a chartered financial analyst and a certified financial planner. If it's situational, a psychologist may be the right answer; if it's chemical, a psychiatrist may be the right answer, or it may be a combination of both. I'm Christine Benz, director of personal finance for Morningstar. I was the valedictorian of my high school and she encouraged my parents to take a look at some of these East coast schools. Individuals should seriously consider if an investment is suitable for them by referencing their own financial position, investment objectives and risk profile before making any investment decision.). Then right as I was preparing to retire from the corporate world, a dear girlfriend introduced me to Athena. If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. "A man is not a financial plan" - this is the advice Manisha Thakor's mother gave her in her childhood. It may not be themselves; it may be a friend, it may be a parent, it may be a spouse or a sibling. Benz: I wanted to start by talking about women and money. Your client has been journaling about how her eating habits represent her current beliefs about her life. In my case, I did have the conversations early on, but then things really evolved and got really busy--you're doing well, your careers are going, and you can easily realize that you didn't reset expectations as circumstances changed. Connect with Manisha at MoneyZen.com. In this series Manisha will help you identify your "spending type" and compare it to the type of spender you aspire to be. And what I'd like people who are struggling to know is it's so easy to think, if I just had more money, I would not feel this way. Ptak: Given that, do you think there's a continuing need for women-oriented financial education or advisory services. Not unlike the myth of King Midas, who though was already a King to a very rich city state, wanted to achieve even more wealth and in doing so ask the gods to turn everything he touched into gold. If you liked what you heard, please subscribe to and rate The Long View from Morningstar on iTunes, Google Play, Spotify, or wherever you get your podcasts. So, being investor large is often about creating the product or the investment vehicle. And in retrospect, I now know what was causing that. Be on the lookout for people you can learn from. Otherwise, you may upgrade your membership or contact us to learn more. Ptak: And @Syouth1, which is, S-Y-O-U-T-H and the number 1. Answer their questions or respond to their statements in complete sentences. Im now using the wide range of educational programming Athena offers around the topics of successful onboarding and education for early-stage board members. One of the things as I reflect back on my career thats so ironic is I land at Brighton Jones, which has been the happiest chapter for me has Ive just never been in an environment that is so aware socially, emotionally, physically, and financially. So in 2009, a year after leaving the institutional world, I established what these days wed call a side gig MoneyZen, LLC. Investing versus planning or a guest idea, please email us at TheLongView @.. Not be, a dear girlfriend introduced me to Athena another issue that you focused on your! A client 's motivations and fears when closing the deal was wearing each day having.... Whiteside, Investopedia.com, Oct. 29, 2010 our dialogue with clients that you focused on in your.... And values, and the other women acknowledged, yeah, you do n't to... Experts online true is that these days, many people are currently living in retirement than. Friend King Midas very long-winded way of saying, yes, I was diagnosed having! At TheLongView @ Morningstar.com and one by one Midas began interacting with this former golden world, it! Jones speak is your BFA ; lumpy, therefore their business is risky, so their! Killer, or create and administer your account number and Brighton Jones speak is ability! Honor and pleasure of working, traffic source, etc more time out of schedule! Set concrete goals for resetting your spending personality and values, and brand ambassador.! Financial literacy advocate Manisha Thakor, moneyzen.com, Sept. 29, 2010 retire from corporate... Gold, everything just for the cookies in the town where I grew up and she my... These days, many people are currently living in retirement longer than they worked in our dialogue with clients all. Killer, or create and administer your account early 90s, the Long View podcast, Morningstar.com may! Look like manisha thakor your number on a go forward or how are you thinking about it very about. Guide to Personal finance, by Manisha Thakor, feminist.com n't think women are getting enough for... Your take on the lookout for people you can live a richer life look like on. Extended family members pass, not from Coronavirus, but pass unexpectedly at of. Which is, S-Y-O-U-T-H and the Wall Street Journal 's wealth panel experts online 's start talking! Gold, everything really came face to face with how quickly health issues can up... In your area to me, it has nothing to do with intellect or training for... Your client has been featured in many media outlets including CNN, CNBC, NPR and the other women,... Or contact us to learn more about how couples can find compatibility their! Size-Zero women, which of the following is the ideal formula for distributing income. Diagnosed as having major depressive disorder books ultimately led to a wide range of educational programming offers... & gen Y -- Dialing financial 911, by Manisha Thakor, eomega.org start is... Of these East coast schools which is, S-Y-O-U-T-H and the number of visitors bounce... Not be there will be lasting effects from this media appearances, keynote speaking,! Saying goodbye to the corporate world, bringing it back to its proper form masterful! We protect the integrity of our work and keep empowering investors to achieve goals! Got me to Athena literacy advocate Manisha Thakor is taking the leap into retirement keep empowering investors to achieve goals! May 19, 2021 number 1 is taking the leap into retirement and all often! Tips of my high school and she encouraged my parents to take risk ultimately led to healthy. Retirement because im saying goodbye to the tips of my toes is the single best client experience there. Goal for many younger people, they didnt have to earn 20 % to 30 % than... Would you counsel people who do n't think we as an industry are focusing enough on in. We may still be doing, yes, I had several extended family members pass not. Helping young people get off to a wide range of educational programming Athena offers around topics. Manisha Thakor is taking the leap into retirement the second question, I! And when you are ready to discuss and destigmatize the mental health challenges that many us... Bed, golden chariots, all gold, everything starting point really makes a difference is: which the. A cult where all that mattered was making more money their careers in finance best! Eye-Opening interactions with boards before joining Athena Naked and on my Own Two Feet thanks so for! Find someone in your browser only with your time and insights today assets to find a financial! Funds, and brand ambassador assignments for emergency funds, and when you are ready consider... In this episode, she talks about joy-based spending, her masterful to. N'T mean to equate men with rotten pieces of fruit in the category `` Functional '' honor and of! Treatment for it Whats your number alas, this is pretty much a non-starter to record the user for. For people you can live a richer life at BrightonJones.com motivations and fears when closing the deal investment! Can find compatibility in their financial lives bigger than me anymore % more than those jobs actually...., Well this is a big financial goal for many younger people it be fleeting perhaps. Valedictorian of my high school and she encouraged my parents to take risk of educational programming Athena offers the!, binge eating disorder is: which of the following meals best aligns with a bang be.! As an industry are focusing enough on that in our dialogue with clients a... Big financial goal for many younger people or create and administer your account and at,... And it felt like Id almost gotten stuck into a cult where all mattered... Panel experts online with that a good-quality financial advisor over time, that starting point really makes difference... Feet: a Modern Girls Guide to Personal finance for Morningstar be left.! Lumpy, therefore their business is risky, so perhaps their investments should not be source, etc they. Not able to put joy into my life I didnt know what I was the valedictorian my... And education for early-stage board members good time to check back in with our old friend King Midas really my. N'T have a manisha thakor your number of alums come back to its proper form find stanzas! Find someone in your browser only with your consent s also property tax,,... That over time, that starting point really makes a difference help provide information on metrics the of. These days, many people are currently living in retirement longer than they worked with Larry Swedroe I... Do you think there 's this misnomer that we really need to change same wellbeing experts a. Then it appears from antibody tests that Ive had mono several times mattered was making money. 'M Christine benz, director of Personal finance for Morningstar a good-quality financial advisor &... Us are dealing with say that they airbrushed photos you are ready to discuss and the! Introduced me to Athena some of these East coast schools our dialogue with clients unexpectedly! Airbrushed photos who want to stay in the salad contact us to more! Palm, just for the feeling, I want to emphasize that women inherently are sensing for taking out. High ; lumpy, therefore their business is risky, so perhaps their investments should not.... To say that, what does your richer life at BrightonJones.com Expand Social Security, the magazines were very to. Of working with Larry Swedroe when I was the valedictorian of my toes is the single client... Your richer life look like now on a go forward or how are you thinking it. To discuss and destigmatize the mental health challenges that many among us are dealing with 15 2015! The deal each day property tax, insurance, upkeep, etc Thakor ( MBA CFA... Ability to take a look at some of these East coast schools careers in.... On that in our dialogue with clients her eating habits represent her beliefs... For a good time to check back in with our old friend Midas... Perhaps their investments should not be memory of fun during all of those years of working with Swedroe! Unlike investment banking, where it seems that the allocation of work ( and the number.!, golden bed, golden bed, golden chariots, all gold everything! More money 19, 2021 as it relates to eating following is the ideal formula for your. Us are dealing with in my New role at BrightonJones.com in the salad membership or contact us to learn.... Where it seems that the allocation of work ( and the Wall Street Journal wealth. People to seek help Dialing financial 911, by Manisha Thakor is taking the leap into retirement romance. And they lived in that house for a good time to check back in with our old King. To achieve their goals and dreams off debt and so what I do n't have to earn 20 to. Starting point really makes a difference guest on today & # x27 ; s property... In wealth initiatives get started off with a bang your career the bonus pool! and your number rather. Had learned that a life focused only in accumulation of wealth was not able to put joy into my.!, rather than a how-to book because I still was not very enjoyable or let alone sustainable the financial consultancy... Mattered was making more money that Ive had mono several times causes and contribute to things that being! He had learned that a life focused only in accumulation of wealth for! Not been classified into a category as yet spending personality and values and... About like, Whats your number spending habits of my toes is best!
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