“Can I afford to be a Single Mother by choice?”

This week I’m analyzing an interesting CSP from a reader in her early 30s. [Podcast Newsletter Header](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3lFVBnPmD8z6VJ1W75vjVF6pv2ZqW43mSG-3Mps2PW7J58W423lfz3W93104j2CB70nW2tnXVl2VzxKQW1GxqZK64n_MPW44FBZC5b8wx4W66kr508L-BnnW4sfwlS23rWFgW7mxBCy92FgcLW6pDpdC3dZgGpW7DncvY6yNsbgW1r2bM-4KDXS_W7tJ_VW5C0-QzVbDjh41qhXh1W1zyZtG2Vfr0WW1bVnkS10yRk8N2DDmL1b1h-MVZbbSJ5Y_TjMN75yMPqGmXMHW5hCtCG7tWRzBN3dM9hsb60FjW54Ftfr94DbNYf94cxXl04) {NAME}, This week I’m analyzing an interesting CSP from a reader in her early 30s. She’s serious about becoming a SMBC (single mother by choice) in the next 5 years, but with an entry-level job and living in HCOL area, can she afford? Let’s look at her numbers and find out below. Learn from the best, be your best [MasterClass - Learn From the World's Best](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3kKW5C7B5B6RQ_M7W3SyqjN7brMhzW76DR601VHGhhW43S8SY3dX1ncW58sgKN3tp-9DW2l8SlJ81jW50W1FHjtT7ZHPgDW2z-NWH1qjxqnW6ldsYM4HV8zWN4BPKSdBcw7BW91b7pq1LwSG-N4xzFyY32NcfN1CPSZQ79X2kW6WSQfx7_DjgJW5TTtm78wST0PW8lQqhT8tbfMwW1F-4NC4HjVGPW1jFd5t1vMF03W8GQk8Z5_Kq9ZW7GbLps11j17QW6fTmtT7DYXFCW5-zW3p5VdzqfW4NKbD44-FsHqW6l_q-y8_v6vXf8tSSq004) I recently took a Masterclass with Amy Poehler called “Prepare to be Unprepared” where she shares her nine principles of improv. I loved it — I can’t predict everything my podcast guests are going to say, so I have to make sure I’m ready to pivot and try to approaches if they conversation isn’t progressing. Amy’s Masterclass gives great tools for being present — whether you’re on stage, in an interview, or brainstorming with your team. Masterclass offers over 200 classes to pick from, with new classes added every month so there’s always something new you can learn. Right now, IWT readers can [get 15% off an annual membership](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3pyW8VMs7-8VwHH_W6N19Xf8R4rxRW4ssM1g5m6MsqW4SC6Qh6KD7V7W5lvd-k2Q_r9dW2tjW9X8JNV-QW1JhRzy3cG20sW6LD4bn4z4K8KW1wcP172YVXKhW5XRs3g2S9D1tW2Zqv66965ttwW6MNcr12ydzFSW9g2mfZ3LNcN0W8gv-XV2LKpHmW1PmZLX9gBgKvW67KrqH6ZSCWcW8xtLMN3T6yhnW5yWKwm3bKqx6W4CWdYq7T55QvW4VyY251bFkj6W6zpFBw7qDCd3W4l_PtL29R4CRN6Ty19JBnJY6W1vG6mK6c1XW4f4tP6kl04). “Can I afford being a Single Mother in 5 years?” Now let’s get into this week’s [Conscious Spending Plan](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskD-3qn9gW6N1vHY6lZ3lsW7FjKY02sMX9lN72n2LpD7F2cW3q-n0376t5c3W3GSYgq3qtNfGW4XqjR766q3MhW3JQ3bZ5sb6p6W33B_3h1Z7mMvW1Lszsb1-G1zWW37gZrJ4YNyfvW1S1Nn27_VDcZW2ssg7q3GFt2JVgKNqq2JRYncW1d_0Dp43W4f4W2Vss6h7j55fzW2YFldw7vG3JzW45wt1N3Hk5mDW31HQ5q7nPmhfW3hLn1x61RYygVg6zxY6Lq7j7W76J-lP8PBlx9W2yFF4V5GW-2KW49NYqc4th-tVf97K-b-04). Here are some details about this week’s reader: - I am a 32-year-old woman living in the Boston metro area. - I changed careers last year so I'm at the bottom of the income ladder again (after reaching an income of $81k last year in my previous career). I plan to grow in my current career for the next 10 years. - I live with roommates so my housing expenses are currently very low for the area, so I'm using this opportunity to get my finances in order. - My Rich Life entails being a mother, with or without a partner, so I am taking this possibility (or likelihood) of being a SMBC very seriously. I'd like to have a child in the next 5 years. - Am I on track to reach my goal of being able to provide for a child as a SMBC within 5 years? I think this is a really interesting question, one that I have not yet seen before. What I love is that she's thinking about this already. One of the key distinctions of living a Rich Life is you plan before you need it. This is an outstanding example of that. Her question is, “Am I on track to reach my goal being able to provide for a child as an SMBC within five years?” Well, let's take a look… NET WORTH $ Assets (current value of car, home, property, business) $1,500 Investments (brokerage, Roth IRA, annuity) $53,405 Savings $25,035 Debt (student loans, credit card debt, mortgage) $213 TOTAL NET WORTH $79,727 INCOME Gross monthly income (all income before taxes added up) $4,228 Net monthly income (how much you take home after taxes) $3,035 FIXED COSTS (50-60% of take home) 44% Rent / Mortgage $600 Utilities (gas, water, electric, internet, cable, etc.) & home maintenance (cleaners, lawn service) $58 Insurance (medical, auto, home / renters, etc.) $65 Car Payment / Transportation (includes gas, cabs/Ubers, fees & maintenance) $48 Debt Payments (Additional Principal Payment on Mortgage) $0 Groceries / House Goods $320 Clothes $0 Phone $50 Subscriptions/charities (Netflix, gym membership, meal services, Amazon, etc.) $30 Miscellaneous (automatically adds 15% for things you forgot) $176 FIXED COSTS TOTAL $1,347 INVESTMENTS (10% of take home) 20% Post-Tax Retirement Savings (pretax & pension not listed) $600 INVESTMENTS TOTAL $600 SAVINGS GOALS (5-10% of take home) 16% Vacations $200 Gifts / generosity towards friends + donations to causes $100 Insurance for living alone + having a baby alone in <5 years $200 SAVINGS TOTAL $500 GUILT-FREE SPENDING (20-35% of take home) 19% GUILT-FREE SPENDING TOTAL (Dining out, movies, anything you want!) $588 Net worth - Her assets are $1,500. (She probably rents) - Investments are $53,000. That's impressive. $53,000 on a $50,000 income. - No debt, great - Savings are $25,000. - Overall pretty impressed so far. We always have to take into account the context of these numbers, so if somebody made $50,000 and they were 62 years old and they had a total of $75,000 in savings and investments that would not be impressive. That would actually be a massive financial problem. Here we have someone who's in their early 30s — not at the beginning of their career, but early in their career They have made an intentional career change So I have to give them credit for being able to amass $75,000 by their early 30s, relatively early in their career. - What this tells me is that this person has a demonstrated ability to save and invest money. That is impressive. What this does not tell me yet is: is it enough? Particularly given that they might be a single mother and they might plan to live in a high-cost-of-living area. Let’s see… Income - Her income is $50,736 gross, so she's netting $36,000. Already off the bat this number makes me very nervous. $50,000 anywhere in America is a tough income to make it. In a high-cost-of-living area like the Boston area, that is extremely difficult. And if you're planning to be a single parent, that is like a triple whammy right there. So this is a huge red flag for me. - Now let me acknowledge that she herself said she knows she's made a career change and she's going to be working and focused to increase that income which is great. Fixed Costs - Fixed cost of 44% - There's just two things that jump out at me. First off, this person is paying $600 in rent, amazing. What I love is this person has a mission. They know that they want to have a child in roughly 5 years, therefore they are intentionally underspending on rent. I think this is incredible. - Now if this person had $7 million in the bank and they were spending $600, we'd be having a different conversation I would be telling them to stop being so cheap, but this person is extremely intentional and methodical. - You can also see that they have no car payment. One of the benefits of living in certain cities, the ones that tend to be high cost of living, is that they often have great public transportation Therefore, instead of paying around $1,000 a month in total expenses for a car, this person is paying $48 probably for a metro ticket. - Groceries at $320, very frugal. Every single thing on this is extremely frugal. In fact, they even include the miscellaneous 15%. I think this is great. - What I notice here is this person is obviously methodical about their spending. They're intentionally underspending what they could. - Okay, this person is currently living with roommates, which is amazing, however, if we fast forward, and we think ahead to having a child, some of these fixed costs will go up. You can't live in a $600 place with roommates when you have a child. Clothes, food, all of that is going go up and go up in a big way. So, I appreciate and admire where we are today. - Also, looking down the path into the future, I can see that these numbers will, by necessity, go up and we need to plan for that. Investments - Investments at 20%. Well done, I wouldn't be surprised if this person is also contributing to their 401k pre-tax, but nice job here at $600 a month in post-tax retirement. Savings - 16% in savings, that's $500 a month. - Notice this breakdown is so good. This person is putting aside $200 a month for having a baby alone. So she's already thinking ahead. Not just thinking ahead, but more importantly, putting money behind that thinking. See, making a plan for your future is not just thinking about it or having a feeling about it, it's actually setting up automatic transfers to make that desire a reality. Like, when I want to go on an amazing 10-year anniversary trip, I don't just think about it. We put money aside for it. I wanted to buy a beautiful engagement ring, I wanted to have an incredible wedding, I didn't just think about it, I put money aside for years and years, every single month, automatically. That way when it came time, I didn't have to worry about that. Guilt-free spending - Guilt-free spending at 19% doesn't surprise me, this person is frugal. Overall - So far the numbers look okay for where she is today. In fact, for where she is today, if she were to continue on this path for the rest of her life, she could do fine. - 2 things I love about your question: - One, you’re planning ahead. One of the key distinctions of living a Rich Life is planning before you need it, which you’re doing. - The second thing I love is that you are keeping your costs low. See there are seasons of life where you can afford to really save and invest aggressively. In your 20s, when you don't really mind living in a fancy place, you don't need the fanciest clothes, you can live with roommates, that is an amazing time to be able to save and invest aggressively. Even though your income may not be super high in your 20s, that percentage can be pretty high. - Depending on where you live, the next season of life where you can really save and invest is in your early 30s, depending on if you have children. Before you have children, if you're in a dual income, no kid household, that's another amazing season of life where you can save and invest aggressively. - Many people end up saving in their fifties, late fifties, but that's typically out of fear. That's typically more reactive. - What I want for you is to embrace those seasons of life where you can save and invest, because there are other seasons of life where you can't, where you have to cut back. - When you have children, typically it really shakes things up in your finances. You need to spend a whole lot more than you thought. Typically when you buy a house for the first time, that becomes way more expensive than most people think. Plan for that. - Alright, let's talk about what I see. My short answer to your questions: “Could you make it happen with your numbers? Could you afford to have a child as a single mother by choice?” Yeah, you could. A lot of people do it. But it would be extremely tight and you would be walking a tightrope, hoping that nothing goes wrong. I don't want you in that position. - The first major risk I see is your housing. While I hope you get low-income housing, I know the statistics on securing that housing, so I’d encourage you to make a plan that includes not getting it. As you can see, to even get a studio or 1BR would dramatically increase your fixed costs. The good news is you don’t need it today. But as I always say, be conservative in your planning: plan for the worst and set yourself up for the best. - Second risk is childcare expenses. There are the obvious expenses, including food and childcare costs, but there are more. This is a new topic for me and I wanted to make sure I tap into my community to ask what financial considerations you’ll want to think about, so I asked my community and got some great responses, including adoption/IVF, childcare, doula/nursing, and more. [Please see all the comments here](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFz3qn9gW7Y8-PT6lZ3m8W8xj2bZ1-B8n7W1Tw8qV8-wQWkVg0Dbr7yn0BrW4WxX1R1wQTW7N59S90ptHRwRW95FPnN229MCbW1Lcrbd5RdYgMN7cGPG37zSMYN2G3ZC7NXDHsW7XDpsT989bVGVfkd-97nwhHQW6m576K1PC9pXW1HW0V11rPkzBW4JnmFP83wzc5W8_Xmy_1TfBHpN1_RZ5g2NmcdW7_6LRp89fRWqW7GTWDn5ftpxYW8LQtnD31HBJMW4nxjGz7d51LjW8rJ9KC4H48WnW1H3Q6C7nfVvDVdWGG36gGHN7N81KYghbxxkjN8cH_vNsQKBSW26JJzJ9gj41gf5HMWXb04). - Now for me, looking into the future, there are two major variables you need to consider: Time and income. - First off, time. If you wait 5 years, you’ll already have $119,206.97 invested. That’s great! - And the second, and I think most important, is your income. To me this is the entire answer here. Your income is the red flag in the model. Everything else, you've done great minimizing your costs. The one thing you can do that will make the biggest impact is to dramatically increase your income. I don't mean increase it by $2,000. I don't mean wait to get a 3 or 4% raise for the next few years. I mean dramatically. Dramatically increase your income. - That means looking at your field and doing informational interviews with people who are in a more senior position and saying, Is it possible to dramatically increase my income from this role or even in this entire industry? If it is, then you know exactly what to do because you're interviewing people. If you don't or if it's not possible then you systematically consider which industry you want to be a part of. And this is important to do right away because let's say you increase your income to $85,000 or $95,000. If you do that, this year you will be able to bank all of those gains for the next five years before you have a child. If you wait until the fourth year to be able to do that, then you're in a much more precarious position. - Now just to give you a sense, right now you're making $53,000 a year, you're investing $7,200 a year, potentially a little bit more if you have a 401k. If you do nothing, that means that by the age of 65 you will have $1.4 million. That 4% rule gives you approximately $56,000 a year. Could you do it? Yeah, but I wouldn't want you to do it that way. That means at that age you will not own a house, you will still have housing expenses, and at $56,000 that puts you in a very difficult, dangerous position. - I would much rather you increase your income, try to keep your savings and investing percentages as high as possible, and even if you were to do that for a few years, it would make a massive difference to your overall income. - So, I love your question. My short answer is yes, you can do it, but if you do it as you're currently proceeding, you will be playing financial defense for the rest of your life. I don't want that for you. Instead, hyperfocus on increasing your income. You'll give yourself so much more breathing room for the rest of your life. - Great question. Thank you very much and good luck! [Ramit Sethi Signature] P.S. New podcast: “My entire paycheck goes to daycare. Should I stay home? This week we are live in NYC with Carlos, 36 and Amanda, 28 to talk through a recurring issue in their relationship — her earning ability vs. the possibility of staying home with their kids. Watch the full conversation [here](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFz3qn9gW7Y8-PT6lZ3lmW82zTQM3HND4mW33nlv75TQJGKW28YZQQ3T35gzW2qSzL31DWsnYW86f_C68rvTTwVFl_J-8krRQFW4KNV193DY_SxW2jSXF04ZtrwtN6m9WM_4vq_3W5p_rv11_FJNsW5Gx6yh8PtcJ4W5LNfcX2KZ7HVW3BKmjy18fxlPW35QP5g7WvmNcW8Qcxl27fsdlDW6N3GT82bKp4BW6vCghF7hfHmkW3C1WZc3_6YYMV1MNJ88cF0QmW8688Ml15_gVCW4ByZN7761LpwW3DLSS179p2f3W2MC7Ls6Kh-LNW77kx7h91Qfy7W2CkSX78zFfMSW6rmhdV77sPK_dzGrTM04). [Podcast_My entire paycheck goes to daycare!](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFz3qn9gW7Y8-PT6lZ3m3W1tgBKD4K-nhhW3H7r6Z6Nsgv6W1mKV0C7zn7fTW8HHnyY24Rb22W6nk-1V2RGJcvVG26_L42vv6PW8P9bJK6b0PmfW8302Lz8qHDCLW6RDgh92zWCs1W8TVPSd4nnnjjW5Mh7X43bTZhxW3ZNNsQ1RHvDbW7GvsGL3m0dv3W8KHXj12lM3v-W2_HHJj1m3mWrW6GPmNk4JKthRW2Sd6w371sv54W3LKH0h2DqmvsW4N0YPd8Ll3qjW13x5JT6-n4XvW6dn1tb4Q8RQDVJm8QB4QxzNLW8m8qpz6DWX_qW6VBpj94NsskmW5KW4HT4b8Fw9W7K4JnW6l1gVyf6Mw_PM04) P.P.S. Over the last few months, I’ve hosted live events in NYC, Boston, and Philly. I’ve gotten to talk to couples — LIVE on stage — about their money psychology, salary, debt, spending, and saving. I’m so grateful for the I Will Teach You To Be Rich audience. That’s why I’m excited to announce the next stop on my live tour: WHEN: Mon, July 1 at 7pm WHERE: The Observatory North Park, San Diego, CA [Get your tickets today](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskDn5nXHsW5BWr2F6lZ3pYVB6qRG4y3MnQN890p3S1PTLrW5H5JrM6jqhq7W2JHqxh4X_134W8_hlTJ7Vcpb1W1PkdDN4B5tZbW4JRcNM2J-mc2W6xj0vS2WjXMZVRNhL12BLWs3W3FxnSP1Jwn08N6qxpZG2S1C2W7qfdfb1NwMgXW648rd48T32TmW25T7kc31g6dkW1mgBGg644Qk2N6gXMGn7M9YkW75xNgj7xtw4NMl8mNz8lzgLW8c3jQr6L13CVW7_FRLD8b9R6zW4_mYdR7jXryLW3ZZPXM3vZZxrW1zWdgP12MN2MVytkWP7sGSkNN7KKlZ1XYlpGVSYhXn51StDQW1GV6Hn3gvXgXW7cqB_h1tN0m5W3Mn7pt6RMtfTW5sjsDc1qt64LW6Ph2_c7kWGLXW4JnDym2klmQBW4MKnK62Y77d1W4nbM732P00Cbf30qHC004). Seats are filling up fast. [Programs →](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFz3qn9gW7Y8-PT6lZ3n0W58r7T_7hQ1cvW86WnCT14xpgdW3hm2lF5vSdW9VJJvGF4-pS1_N5zQ6hx9CCBSVn194G8mmJBvW50lbkF6k4rYWW6-MkBy5_p35tW8SrKNt82FlRpW55qBdG2yNmXqW8GpBl33610xrW1XNrcb4yNWGvW5QH4Rt80Q0yTW1b_gb155k3RGVWBMBV5QRqZxW6N_MVW4CsYxbW508c_56plfQGW5ZYwBN8YzPg7W6hf9z96DzWvRW3PLD-p1fQNfWW8M5Bp52LGCPYW6y9mz-7HDYRBW8LlWpQ3TmFRsW7pLX9p8pdC76W5p3xMh4cfs9TW2Sbn4q9lhpFVf7RWNx-04) [Podcast →](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFz3qn9gW7Y8-PT6lZ3mGVDMWbV7fV4X8W80c_Zj46yXxtW4j_Y8j1N111bW9bl_8N5q1DqHW6gPsrC7XSLgPW7rjcV63NLppCW324FBx3hKhtyW1l8G5d7H7x8mW5V0xtB5Sg6hpW6v6Ksj7cfr3pN8wVfXbtWm6bW7Z7yNd5KyLJQW89W6817wrPQ3W7Qg_mf62HGzMW7Kb65170BMWmW8d4vG61jdCjvW9cKWbW8_MmqSW5R0c1F5v86Y0W5pT5y-3FRfSpW5tn7bC36dTq3W8YDNrF1_SSVWW3K25Ff2pYdT1VVy3xf70jWXyW7zzld04DTRN3N9jg8h12v3zVW4-Wg_H74LbhRf7YLT7K04) [Netflix Show →](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFz3qn9gW7Y8-PT6lZ3lGW50F2VV6qVP9cW24-F_P8q3ZbSW55b57n6tLVnkW301Bsh8LVZWLW2mqWDL5zp6rQW4tmYzs4JNKCcW6C_V3C5NfQldW3PsNgc1GksqDW2t68_J17Z-j3W934zbN4l1W_lW7XNpB37kZ3-jV2_csp42j86sW75wQ5C7gpNMwW3HK_WW6ZClyQVZV7lh33lgJ0W8Y-hdr8jtJfWW8sG1rK3NVhT_W20DH9c6Ng49KVljnXK5Z3CfRW8r-vCS4m5VDKW84ydp84tjwNsW4_6bgR1pbdbhN1vCmxvHXV_PN7Y0LYP_F501W8jlskG3Tj4Q4W74p6qV1Vtw5rf1gXCYx04) [Books →](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFz3qn9gW7Y8-PT6lZ3mRW62z4685YrJmPW8LZSk79kJrq9W1JN2rq515FjsW7ZNWyK5yt__-W8_0tqF4nKzHNW2TSMBN9lc2b7VCc7nJ2hzY3WW7rbM5d3XbWCwW4wLNny7-cQWjW63_G0C4QzKVfW6xy9fJ4J7LnGW969Jvy3pV-tZW7jkqS516P1H1W25BMBv7m5Df4W41ZyxC5nmNbDW8zvm1W3ws4VjW7PyzyS2Nf1K7W3j5nx37wwGQ9W457JZX1y8xFTW6SvWZV4GjsFkW7kdR958vlyGCW6c392B31F2MBW6y0HTC66qzjRW62v96B4hhHT2W5h_tXp1zDmFkW8FJTlC1Y-mYqf7bYjCj04) [CSP Download →](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFT3qn9gW8wLKSR6lZ3ltW5lcJ_G7Dc2xLVcKdGf1dkDGFW2xw2SN2SmV-FW364Wbs18vfH7W1Sjrtf1fXLv0V_M9CC5m8zPHW1_F0qH86qK21W8kXVft3LYVRsW726-Hg5PPl8qW7H8hml8l6Dr5W1YdK8q8W9mZ0W7lLnDH2C-W6-W1Fqxmh93mQB_V5xtQ82LkrrwVwMQjw65ZstQW1X_C5h3JWDSyW5cvvDg7FWGLxVqnzvn749V3QW88y3zM86FQYlW3x23zd3wgjpQW8Wgpg87V69FbW6H2cwd4-6_nsVNTZ1Q5M77nxVKT1p-8yy87lW6dm9qx1l9rcZW6KPD2M3NsF5gW34Xkvk20JpsQW3-gQrJ2Z1fbcdJ-CLq04) [Website →](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3pPW8jKVFF5k2YVlW8qFHpV7yJ5VYW1vjnv84jMRb1W3xLq-H1jDRPgW8TxhWB786l-bW8Ds4DD5SJDbqW1w7Sqb7WgH1mW8NC5wh1fc0yxW5-dHx13m4pFxW7YpHDP6T08jNW6_7R_62g79ymN5Kj3MkpzmY0W2FS-Nz1SlV7mW1mN_S272VvN9W8fR2f-3pnGfSW5__n1d74RyzYW6KTvRd6MmCJFW2xSxym1-kylQW5Glty-5S-0KfW5Xj6k96880q0W8WHXXx8Qlk2lW227smC4wV7ylW7P1zqn7h3lf1W5_-B-V4JZWMddr617F04) [Instagram](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3mJW6tYxyB1h9T1FW1K4twR5rN7NzVly1jR4x5vHmW569vZN4KD2r-W5qzk6L620SWHW51XKCh7sw19VN35qJgf1Rm49VYTyD020mN-QN4D52VmHxrV5W7TRnNj6VVdFyW8374gn587BW4W801pk24vWrCcW8p-GRp4J1vBWW755-4y32S6FpW1XxNJN5zvbRSW1YzDLF7Bf3SbW3-D7nn5lhZfDW8w1mhh1_yM9NW4dxxwW1BfwbcW362kYB4dz9--W3ydgT72n8b0TN2L8cTSZ0y1kN4rr07n6HQRBW7XQLvR41DPTMf65Zq-s04) [LinkedIn](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3lWW7YKnYc5-HLJkW7jsJ3Z1z7BPcW3q3GGW28jtGZVqh7Rt8B6szcW8BLrKB3lW6QnW5bZ-1K5fMTYPVnlnRz7GW_DsW3LRSpq7C5xv3W1php2w384r5yW5ZYP__9f6tT6N7zvGf1b7B-wN30xx8hCk4MwW1-YqZq159cVVW6TxDpJ4FdrLCW3qhqh56RwxgNW51CmKN88fKWpW1ZRZNr5pmRlHW4sVkK12PQlCYW3cHrmc2ljZ9YW8blZwP7453WQW3T8cgH3QKBxRW4gFf844rkb0yW6RhY6F5yRz5LW91d7vk4RGrhhf6_Dpsn04) [Twitter](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3kQW4gTFgC1DpL6cW3CJBXQ5w1nYqW2KBJ-q6TkSrgW4cqMs542CzK_W7Frb-29hCd__W7pwrBd6FmLmSW20dYv74knD0wW7tYJMj5N_MJdVf6k0W6jLD5lW99vFKC2bGc9VW8dR1V76BhGr-N3VRdj4RCctGW8xVD5K7YDjfRW1kWBpX2C9Z4-W2jLB154G9MBkV2FHBf39FJ5PW5ZzYLz8SkKCgN8DbCFb-JSchW4CnfFr19-xs0W6R7Zw41TGl_DW81hSj_1YQBSbW144bhn955bLXW2HVkhk3m9Z52N56fsqHqQSbrf650w8-04) [YouTube](113/d586LZ04/VVWb_R6jvtJ0W7BFkMw2B0NybW2QY3Nh5glBZ_N3tskFg3qn9gW7lCdLW6lZ3l4W4z1NmC25y0XfW4F1FPs2tkHhmW4S0y6Z1mxD23W2JTSgj7b5z6cW6GqJn_7_RyGgW1ThFvb1MCDt5W7ChZMk6SKWfyW3rWnJG31ZX7xW7jKmZ_4T4jjMW9kd7gQ49L34DW20c_cJ5KpdMhW2RjrzJ7qhn0xW1C54DS1xfGfZW3GDgKn4cfhY3W7HpN-J7t--4QW8M-1vp1w4tqfW5PNT2t5L3t5bN40D_BMGKxRCW60HM3r3Mw7jbW2zjDXW90gVxwW2G2S_h6WZcXXW6b6FqD7YvGwyW2cr4mX2pTn1xW8Nk2qy44XHVBf5MNRdj04) Was this forwarded to you? 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