money money money

This one's a deep dive into the ins and outs of buying property off the plan. Glen and John are joined by Thirdi Property Group director, Luke Berry to chat about the process and discuss some questions from people in the m3 community. They touch on:👉🏾some of Luke's story and Thirdi Group👉🏿the general step by step process for purchasing a property off the plan👉🏻the elephant in the room - how often do horror stories happen and what can buyers look out for in a good developer👉how a sunset clause works👉🏽things we can do to adjust our investing risk tolerance👉🏼some ways to keep in the know of upcoming developments👉🏾are there plans to better regulate off the plan buying?👉🏿stick around for the afterparty to hear what Thirdi are doing in building purpose-built homes for people living with a disability👉🏻plus a special offer for m3 listeners (link below)Here’s where you can register your interest in the special offer Luke mentioned: https://westendnewcastle.com.au/register-now/Take a listen to previous episodes with Luke Berry below.Episode 321b: https://player.whooshkaa.com/episode?id=661834Episode 247: https://player.whooshkaa.com/episode?id=442961Glen's book, Sort Your Money Out & Get Invested is out now: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Glen and John get into a bunch of questions and case studies from the m3 community, touching on:👉🏾 their top 3 money mindset learnings👉🏿budgeting for compulsory HECS/HELP loan repayments👉🏻inheriting property with a sibling👉Centrelink’s financial information service👉🏼giving pocket money to kids👉🏿tax investment structures for families👉🏽balancing saving and spender personalities in a relationship👉🏼preparing to see a mortgage brokerCheck out John’s Solvere Property Analyser Calculator: https://www.solverewealth.com.au/the-property-analyser-calculator/Grab a copy of Glen's book, Sort Your Money Out & Get Invested: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

What's one thing you can take away from this episode and apply today? Holly Ransom is an expert in disruption and future leadership and Glen was so stoked to have a chat with her! They touched on:👉🏻Holly's fascinating career story to date👉🏾the signs that you may be stagnating or burned out in your life or career and what you can do to check in with yourself👉🏿managing your energy instead of time, and some great tips for how to do this👉recognising that we are so inclined to care what others think, and how important it is to make decisions for our own happiness and fulfilment👉🏼the value of mentors, Holly gives a fantastic tip on how to frame conversations when inviting input from others, particularly mentors and parents👉🏾how do we manage our risk tolerance for change and trying new things👉🏻The Leading Edge and Holly's top three money tipsCheck out The Leading Edge: https://booktopia.kh4ffx.net/EaqO14And Holly's podcast, Coffee Pods: https://hollyransom.com/podcast/Grab a copy of Glen's book, Sort Your Money Out & Get Invested: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Glen and John discuss the latest news surrounding BNPL and a crypto ETF that may be hitting the market and a few questions from the m3 community. They touch on:👉a question from Clarke who says, I'm 18 and about to start a heavy diesel apprenticeship, I'd like to know where to start putting some money👉🏾the Reserve Bank's call for BNPL providers to remove surcharge rules for merchants👉🏻Madeline asked, how do you get around brokerage fees when you're wanting to trickle money into your investments to make the most of dollar cost averaging?👉🏼a question from Alex who asked how to compare and choose between job offers e.g. higher wage vs salary packaging benefits👉🏾the recent announcement of a new crypto ETF that may be coming soon to the ASXTake a listen to the 3 things you need to know about managing your money in this m3 express episode: https://player.whooshkaa.com/episode?id=916794New to investing? Check out Glen's explainer videos on Youtube at the links below.Vanguard Personal Investor platform review (Good for understanding investment platforms): https://youtu.be/D-sUOfux20QVanguard ETF review (Good for understanding ETFs): https://youtu.be/b02-Tl6PVWkWant more money talk for Gen Zs? Check out Gen Z Money hosted by Azaria Bell: https://player.whooshkaa.com/shows/gen-z-moneyFor tips and advice for building the career you love, check out my millennial career with Shell and Em: https://player.whooshkaa.com/shows/my-millennial-careerGrab a copy of Glen's book, Sort Your Money Out & Get Invested: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedCheck out Glen's top recommended reads: https://www.mymillennial.money/blog/2020/1/14/glen-james-book-recommendations-dhhkrGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Niall Kumar is a long time listener and has had an interesting journey working out what career path is right for him. He joins Glen on the show to share his story and encourage others to get honest with what they truly enjoy and value in their career. The chat touches on:👉🏽what he went to uni for and what he’s doing now👉🏿working with big tech companies like Google, Cisco and Zoom👉how his mindset shifted from taking jobs purely for the good money, to finding a balance between passion and pay👉🏽the importance of being honest with yourself about what you enjoy doing, what you don't and what you value👉🏻how he and his wife assessed their budget to work out whether it was viable for him to go back and studyGrab a copy of Glen's book, Sort Your Money Out & Get Invested: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Gals from the SYMO team, JP and Rach, join Glen on the show to chat about some questions from the m3 community and announce the winners of Glen's book launch competition, big thanks to everyone who entered! They talk about:👉🏾what can you do if you’re struggling to save money👉🏻does your HECS/HELP debt get taken out of your will if you don't pay it off before you die, and when might you consider paying it down?👉how do I invest in the ASX200?👉🏼what does the term 'liquidity' mean when it comes to investing?👉🏿how do I encourage my parents that investing is a great way to be financially independent faster?👉🏽ways to negotiate with a property seller to lower their price for you👉if you have more savings than you need for a 20% home deposit, should you put it all in or only as much as you need? How to work out the best split?👉🏻can I buy a house if I plan to go back to uni for the next 2 years or is it too risky?Grab a copy of Glen's book, Sort Your Money Out & Get Invested: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

***Trigger warning: this episode explores themes around addiction. This may be distressing for some listeners.Gambling, or any form of addictive behaviour can affect anyone. We are super lucky to have Jonathan on the show who is a long time listener of the poddy and a psychologist with extensive experience working with addiction. Jonathan worked as the gambling help psychologist for North QLD and goes deep with Glen on this important issue, touching on:👉🏽some pretty eye opening facts and stats about gambling in Australia👉🏻the signs of gambling addiction👉why people get addicted to gambling, even if they might know the odds are against them👉🏿the stages of behaviour change👉🏻the relationship between addictive behaviour and shame👉insert your addictive behaviour <here>, whether it's the pokies, shopping, or chocolate, it affects our emotions, body and brain in the same way👉🏽is there such a thing as addiction-prone genes?👉🏿how you can support a mate who might be struggling👉🏾a simple step you can take if you are or think you may be struggling If you or a loved one is affected by gambling, there is help available. Visit https://www.gamblinghelponline.org.au/ or contact the Gambling Helpline on 1800 858 858. Unsure if you have a gambling problem? Take the self assessment tool called the Problem Gambling Severity Index (PGSI): https://www.gamblinghelponline.org.au/take-a-step-forward/self-assessment/problem-gambling-severity-index-pgsiVisit https://gaaustralia.org.au/ for more info on Gamblers Anonymous meetings near you.Remember to chat with your GP if you are experiencing any issues in regards to your mental health or contact Beyond Blue on 1300 22 4636 or Lifeline on 13 11 14.Grab a copy of Glen's book, Sort Your Money Out & Get Invested: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Glen and John discuss some topics that have hit the news recently and questions from the community. They touch on:👉the new Homebuyer Fund announced by the Vic Govt👉🏼recent increases to the bank loan servicing rate👉🏿super stapling👉🏻investing in crypto👉🏽super and taxGrab a copy of Glen's book, Sort Your Money Out & Get Invested: https://www.sortyourmoneyout.com/sort-your-money-out-get-investedSubscribe to my millennial money express for short money tips and updates: https://player.whooshkaa.com/shows/my-millennial-money-expressUnder 24? Check out the baby of the m3 family, gen z money: https://player.whooshkaa.com/shows/gen-z-moneyGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Who doesn't love more money in their job! Hosts of my millennial career, Emily Bowen and Shelley Johnson join Glen to chat all things pay rises and what to consider before you have a conversation with your employer. They touch on:👉🏾what a pay rise is and what it isn't👉🏿working with a recruiter to negotiate your salary in a new job👉🏻the steps to take for preparing and having the conversation👉upsides or difficulties that people working in Government, not for profit or private businesses may encounter👉🏼how to have the conversation if you do work in an environment where the criteria for attaining a pay rise is unclear👉🏽at what point do you move on if a pay rise appears unattainable👉🏿how to know when your pay is 'good' enough👉🏾some of the reasons why 'more money' might not solve your work problems👉plus they discuss thoughts around a case study from someone in the m3 communitySubscribe to my millennial career for more work life tips and encouragement: https://player.whooshkaa.com/shows/my-millennial-careerGrab a copy of Glen's book 'Sort Your Money Out': booktopia.kh4ffx.net/rnzAKjGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

John gives an update on the property market and Glen and John chat about the recent fee structure change to micro investing platform, Spaceship. They also discuss these m3 community case studies:👉Caitlin is 24 and has $100k saved for a house deposit. She plans to work overseas for 6-12months and wants to know how to make her savings work for her goals during the time she is away👉🏻Benjamin asks whether to go with an index or actively managed fund for emerging markets👉🏽Reece wants to buy a property as a stepping stone towards his forever home in the future and is tossing up between 3 options. Buy the dump in a good location, the new place in a less desirable location or the tiny apartment in the good location?Grab a copy of Glen's book 'Sort Your Money Out' for you and a friend: booktopia.kh4ffx.net/rnzAKjFollow John at Solvere Wealth on insta for more property updates: https://www.instagram.com/solvere_wealth/Check out these free investing resources on Youtube below, great for beginners!Vanguard Personal Investor Review (Good for understanding investment platforms): https://youtu.be/D-sUOfux20QVanguard ETF review (Good for understanding ETFs): https://youtu.be/b02-Tl6PVWkGet $20 off The Glen James Spending Plan using the code "MAGIC": https://www.mymillennial.money/spending-planSend us your questions! Use #mymillennialmoney in the m3 Facebook group: facebook.com/groups/mymillennialmoneyFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/shownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.