Where to Save Your Money

talking about where to save your money. This was a request from our Frugal Friends community group on Facebook, so it's kind of expounding a little bit on our Frugal Banking episode and where we're talking specifically about saving So we love this topic and we especially love today's sponsor. Let me give me a drum roll, The Future of Frugal Summit. We are so super over the moon to announce our first Frugal Living Summit, the first of its kind, and the theme for this year is the future of

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registration opens next week. There's just so like, even hearing this and going through it again with you, there's so much to be excited about. Not only so many different people who are just experts in their own field talking about this, but the potential for participants to win five dollars and that it's free is amazing, Like I don't really understand how we're doing it, but we're doing it. And for those of you who aren't aware, because we got this when we went Facebook Live, like, what is

a summit? It isn't online like conference. Essentially, it's like you'll be able to sit in on all of these interviews from the comfort of your own home or cafe or wherever it is that you can get internet and join this. Yes, and there will be interaction in a pop up Facebook group. There will be lives that will be not on Facebook if you don't want to access that, but we will have opportunities for interaction with Jill and

I and other attendees. So it will feel really like something in person, but in the comfort of your own home and without having to travel, spend money on travel and take days off of work. And so we are so epically excited about this, And thank you to our sponsor Cube money for the five cash giveaway and uh excited to reveal more over the coming weeks to you. That is July nine through two, So put it on your calendar. It's on my calendar. Yes, I know it's

on better be on your calendar. It's on my calendar. So all right, now let's get into the episode. If you want to queue up some episodes to listen to after this one, episode one oh one tips for being more intentional with your finances. We think intentionality is what really breeds being able to save more and increase your savings, so episode one oh one really great for that. And then also episode one oh eight Smart and Frugal Banking, where we talk all about banking and bank accounts. So

this one specifically diving into saving. So our first article is from nerd Wallet and it's titled are you saving money in the right place? Good? So are you? I'm not? Um? Is this such a good? So this episode is a great example of how you are the financial expert and I am the common person's representative, people experts on the people's person, so I won't be afraid to ask all the questions for everyone who's like, yeah, I'm not a super pro at this. So I think it's really helpful.

It's really excellent. If anybody is like me, this is not the first thing that I think about, right of like where exactly am I putting money? And is it in the exact right place? You know? I thought, I got debt free and I save money and I don't go into more debt and I have a roth ira and like I'm golden. But there's still more to learn. And this actually has prompted some changes that I'm going

to make. We'll talk about that in the lightning Ground. Yeah, So I like that this one kind of starts out with factors to consider before you start saving, because sometimes you can just start stashing cash kind of without a plan, or you can start spending it without a plan. So I liked that this one was kind of giving some of the things to start with, like you should chat for like access to withdrawals and stuff. What did you think? Okay, first of all, I thought it was excellent. So actually,

second of all, I really found it helpful. The way that they delineated between short term, medium term, long term savings. I think in my mind it has been you've got savings and you've got retirement, whereas they broke it down even further to consider what is the best place for your money depending on how you want to use it.

I think one of the barriers as far as banking and approaching savings accounts is the fees that can come along with them, Like I would like to kind of have my money in a lot of different places, so to speak. But at the same time, some of my barriers have been, well, if they're going to charge me, or I'm gonna have to have a minimum balance, like I'd rather just kind of like keep it pretty simple, and that could be preference, and depending on how you

are with money, then that's fine. But it was really helpful to even define, well, what should I be considering for money that I'm going to utilize in about a year, Like that's how they define short term, medium term being longer than a year, and then of course long term they even define long term as like four or five years plus. That's when you want to start approaching it more of like investing than necessarily just saving. And there's

some different places you can be putting your money. So that was a helpful parameter guideline for me to delineate between where should it be based on what it's going to be used for how long it's going to take to get there. So that was big picture helpful for me. I wanted to highlight that, Yeah, because it's important to have goals that are sooner than retirement. Some people have a goal of saving for a house. Some people want to save for a really big vacation. We are currently

saving for rental real estate. So it is it's those goals can always change, but you should at least have them. Have your one, five, and ten year goals and then your retirement goals, and you have the prerogative to change them always, but you should at least have them. And then these are kind of where to save for those different goals. Yeah, So for starters, and this is outlined in this article by nerd wallet, they give you some factors to consider when you're thinking about where am I

going to put my money? You want to look at what is the access to withdraws? How often can I withdraw? At what point can I be withdrawing? How easy is it to withdraw? The answer to to what you want is then going to depend on some of these other things that we talk about, But you want to know what is the access to withdraws? What is the interest rate of this bucket that you might put your money into. Is it a good interest rate for the type of account that it is. And then you want to consider

length of time, how far away is your goal? Again, that kind of hails back to that overarching piece that

we just talked about. And again they do reference here that if it's longer than four to five years of a length of time when you then need to access that money, that's when it's worth considering should I invest this, I don't need to touch it, or you know this is for something four to five years down the road, maybe I look more at investing versus just approaching this from a savings mindset, But that length of time is

important to define. Yeah, I think the biggest thing between accounts is besides access, interest rate and and I think ensure like the f d I c insurance. When you put your money in an f d I c ensured account, then you have protection on it, and that's what you need in shorter term settings. But that also means that you don't get the benefit of growth in the market, so you're going to see very low interest which is fine because really your biggest priority is that you keep

the money so that you can use it soon. But then you have on the other hand, is growth more important, and we want to look long term for that, But you don't get the FDIC insurance, and so that's okay too. Both are good. You just need to know which one do you want at which time. So let's talk a little bit about short term savings. So for here we have some high yield savings accounts, money markets, and cash

management accounts. So I think we at this point we know what a high yield savings account is, but just to refresh your memory, these are accounts that are typically offered by online banks because they don't have the overhead a brick and mortar bank does, so they can pass on the interest that they make loaning your money out

to other people. They pass on some of that interest to you, not a lot, because these accounts are f d i C insured, but more than point oh one or point oh five percent, which is typical for brick and mortar banks. Right now, we're seeing about point five and so these are relatively new. What you would see

before high yield savings accounts were money market accounts. Those were more popular um and so they are offered by brick and mortar banks have some checking features and have a little higher interest rates, maybe not as high as a high yield, but definitely higher than a checking account. Money markets. Money market accounts have been around a long time, and then you have cash management accounts, which is typically the same thing as a money market. They are offered

by brokerages rather than banks. So when I talk about investing, I think the biggest thing I try to emphasize with your especially rath I Ra is that when you put money into your account, you must then invest it, because when you put money into your brokerage account, it sits in a cash management account, basically just a money market. But then you have to take the money from your cash management account and invest it into things like index funds.

And so that's what we have for short term savings, questions, concerns. It's all good. So then beyond that, and again the short term savings, we're talking a year, two years, maybe then you move into your medium term savings, the things that you might want to have access to, your building up for a goal that's you know, three to five years in the future, maybe two to four years in

the future. All of the places that you would store your money for that type of savings goal would pretty much be the same as what Jen just listed out for short term, except you also have the additional option of a c D or certificate of deposit. So the thing with c d s is, yes, you put a certain amount of money in they usually have higher interest rates, but you typically can't touch it for a specified amount of time, and you can choose that amount of time.

Certainly you've got a couple of years, to five years, to ten years, you name it. If you did go this route for a medium term savings goal, then you would want to choose a CD that has a maturation date just before the time frame you hope to withdraw, meaning you can withdraw at the time you want to withdraw without any penalties. So just keep that in mind. There certainly are some CDs that you can get at

our penalty free. You can withdraw penalty free. You're probably going to have a lower interest rate on those though, when you're not going to have the penalty. The thing about c ds is that they are currently now around the same interest rate as a high yield savings account. They're very comparable and they're restrictive. So I never recommend

c DS as a way to save, honestly. And they say that you can maybe save money for a house in a c D, and honestly, the housing market increases at a rate way higher than a c D. So it just doesn't make sense to hold your money in a c D for two years versus maybe put a little less down for a house earlier. CDs just no longer makes sense to me. I'm sure in some cases somewhere someone finds them to be useful. It's like putting your money on freeze. Yeah, I can't touch this, They'll

penalize me. Yeah. So I don't particularly like c d s if I am going for something medium term. And so this is something that we are doing. We are putting off our home, our investment property purchase a little longer because of all the craziness in the housing market. So we did have that money in a highled savings account, and so we are currently moving it to a conservative fund, a conservative pie at M one finance. And so this is more like heavy in bonds, and uh, it's nuts.

I mean, I'm not going to explain all the holdings of the investing it's m one makes it super easy. Um. But it's instead of being super aggressive like what we are with our retirement accounts squence, we have a very long time horizon. This one is conservative because we're going to need it in probably a year or two. So that's what we're using for medium term savings. And some people would just say, go out and get a bond, but I don't typically like to hold a lot of

bonds outside of a tax advantage retirement account. So since this is outside of a tax advantaged retirement account, it's kind of it's got some equities in it, but it's got enough bonds to still be conservative. So that's not

on here. But that's like what we're doing, and that's not you know, personalized investment advice, but it's kind of where I'm going instead of c DS, just to get a little bit more than a high old savings account, because the high old savings account is not beating inflation, it's not keeping up with housing market, and so this is kind of our way to keep saving and to keep up with the housing market. I mean, inflation is not rising. Well, the government's inflation is rising, but other

inflation is so um, that's kind of what we're doing. Nice, thanks for sharing that. Yeah, So speaking of investing, when we go to long term savings, that's when we want to focus on investing. So with your emergency fund, that's more of a medium like savings goal. You don't know if you're gonna need it now or like far away in the future, So high old savings account for that

for sure. Again, we love Access Bank right now. We're not partial to any bank, but their high old Savings account is point six one a p y, no minimum balance, there's a minimum deposit, but after that, no minimum balance, no fees. So Frugal Friends podcast dot com slash a x o s and when you sign up, you support the show at no cost, So we love that for

a high old savings account. And then for investment accounts, you you have a lot of freedom with choosing your brokerage, so you can choose a four or a one K if you're employer offers it if you don't like their options. Inside the four oh one K, you also have the option of an individual retirement account, which gives you so many more options for brokerages and one finance, which is where I'm keeping our taxable account. Also has I ra a s and they make they're a really great robo advisor.

And then you also have five twenty nine plans, which our tax advantaged accounts for saving for college um. And then also the usage of five nine is actually expanding. So if you're worried I don't want to save in a five twenty nine, I don't know if my kids going to college, you can still save in there. And I believe by the time our kids go to college, it's going to be widely expanded. So actually we UM we like college Backer, and so they've actually changed their name.

It's a five twenty nine kind of tech company, and they've changed their named a Backer because now nine are expanding beyond just college. UM. Yeah, so you can go to Modern Frugality dot com slash Backer and if you sign up through their KAI, we'll get fifteen dollars in yeah. So so yeah, so those are kind of those are your tax advantaged options for long term savings. And when we look at long term savings, we really want to focus on tax advantaged options because taxes are really the

biggest fee that you will incur on an investment. So it's we talk about like five percent and two percent and one percent. Those fees can really eat up your investments. But taxes, I mean those can take twenty two of every dollar. And so even if maybe your four oh one K has some high fees, if it can take take away that tax liability, you could still be making out on top by focusing on these tax advantaged accounts.

That's all I got for that one. Yeah, So let's dive a little bit more into high yeld savings accounts in this article from Business Insider, because most of the time, for short term savings and even medium term savings, high old savings accounts really are the best because their f d I c ensure and they protect your money. So

let's look at this one. It's by Eric Rosenberg, and he wrote for Business Insider, I use HIGHLD savings accounts to earn two hundred times more on the money, and I can tell you the best ones have three specific features. That's the whole title. It's a very long title. It's a very short article to write. Most of the article is the title. We'll give it to you. Yeah, exactly right. So here's what you want to look for, specifically as it relates to high yield savings accounts. You want to

look for good interest rates. Now, listen, an interest rate on a high yield savings account, they're not going to fluctuate that much, And unfortunately it is not as good as what it was maybe about a year ago when this title was written. Yeah, however, your your online banks that offer high yield accounts, they are better percentage rates

than your brick and mortar bank. So typically at a brick and mortar bank and a savings account, you'll earn maybe zero point zero one percent, while an online high yield account will get you more. What what are we saying now, Jen, it's right now? About six point five percent is good. Axos is offering point six one on balances up to twenty dollars, so you know, so there you go. If you're listening in the summer of twenty one, that's kind of right you want to be looking for.

And this does change obviously if you were if we had recorded this in December nineteen, I mean, we were seeing really great two percent interest rates. But if yours don't, don't high yield savings account hop for this low of an interest rate. It does not matter that much. But if you're signing up for a new one, look for one that has over point five interest rate. So the next point that he makes is there should be no

fees for regular use, so no minimum balance fees. There's always going to be some kind of overdraft fee or like bounce check fee or something like that, but there shouldn't be a fee like if you have to or or any really obligations to keep the um, the a

p Y, the interest rate. So if you have to keep a minimum a certain minimum balance, if you have to deposit a certain amount every month um, if you have to jump through any hoops like be a customer of any place or do anything to keep fee free or keep your ap y, then it's just not worth it. If you don't think I mean obviously, if you think like T mobile money now has a thing where you can get four ap y if your customer. If you're a thing, you're gonna be a T mobile customer the

rest of your life. Go for it. More power to you. But honestly, we want to look more at the ease of use and the absence of fees. The only the only hoop I want to be able to jump through is that I have to maybe sign up for e statements instead of paper statements. That's really the only obligation. I want to click one button. So that's it. Yeah, Number three on here. The third and final is you should be able to make easy transfers to and from

linked accounts. Again, we're talking short term, medium term savings. We're going to be in and out of this account fairly regularly, hopefully not as much as checking account. But you want it to be a breeze to be able to deposit money take money out. So you want to look for something that allows you to link to an external account. Not again linking back to number two, those no charges and easy for you, m m click of a button. Yeah, so make sure it's easy, it's fee free,

and it has a moderate high yield. I hope that one day yields will go back up, But if you're looking for interest, then you want to go to a investment account like M one taxable brokerage or your retirement account. This is not something where we are looking to even get ahead of inflation. Honestly, you're not going to keep up with inflation in a high yield account. This is really just something high yield accounts are most likely to not have the fees um and so that's what we

really like. And they're more tend to be a more ethical banks, which is also something we like. UM credit unions. If they offered stuff like this, we would be we would recommend those just as highly. So the to me, the interests is of less importance. It's it's number three for me versus number one. But it's still a bank that offers a higher yield. I think maybe cares about its people more. It's not that's not proven. That's just

my mindset, so I don't know. It could be true. Yeah, and again if you're thinking, oh, I should put my money into a high yield savings account, again we're really looking Axos Bank. It meets all of these requirements that we just talked about with the point six p y Again currently as we record this on the precipice of summer. And if you open an account with access at frical Friends podcast dot com slash a x O S, then

you support us your friends Jen and Chill. Yeah, you know another way you can support us m HM through the best time of the week sentins. We that's right, it's time for the best minute of your entire week. Maybe a baby was born and his name is William. Maybe you paid off your mortgage, maybe your car died, and you're happy to not have to pay that bill anymore. Stuck bills, Buffalo bills, Bill Clint, This it's the Bills

of the week. Hey, ladies, love your podcast. I wanted to submit a bill of the week, um, but first I wanted to say that I mus remember you saying that it can be hard to distinguish whose voices who, and I have a way to do that. I think of your name the Jen and Jill, So then I think of Jack and Jill. Then I think of a more modern day version of Jack and Jill, where Jack is more feminine and Jill is more manly. So then I think jin voice is a little more feminine and

Jill's voices shall always say a little more husky. I hope you're not offended by that. Jill. Think you're great for being so much younger than Jen. You're just as wise. Oh and for the bill of the week, I uh was decluttering after lessening to some of your podcasts and decided to have a yard. Till made three and fifty dollars, and the very next week I had to get a plumber out to do some work for my subjecting and

low and bellell he charged me. So I was able to sell a lot of junk and make three or fifty bucks and I wasn't expecting and then pay the plumber without breaking a sweat, because you know, it was a win win situation. There was all thanks to your podcast, So thank you very much to keep up great work. And by Jin and by Jill, I had to just take a break for a second. I had to go you were I'd come back over your chair with black I doubled over, I think is the term. I not

have been more thrilled for that, not offended. Um, I would prefer I prefer that you think my voice is more husky than Valley girl like right, anything is better than I think that we have the most anti Valley girls voices. But again we're always a topic of conversation, so we can't steer clear of it. And I will say there was a time when I was at home, you know, when home phones existed, and I answered, I was probably in high school. It was my grandfather on

the other end, so I didn't hear that often. And he said he thought I was my brother He's like, oh hey there, Andrew boy, your voice is getting deep. How big are your feet these days? What shoe size are you wearing? Like? What? What? What a weird exchange? Grandpa? Your voice is deep? What shoe size are you wearing? This is Jill, Thank you, Oh my gosh, and congrats on your bill too. I don't mean to shadow your bills, shadow your bill, honestly, I was. I had well done

saving money on home maintenance. You have entertained us. Oh, I can't wait to see how the next bill stacks up. Hi, frugal friends. This is Hannah calling from Oklahoma City. My bill of the week is celebrating my husband. Micah Mica is very easy going. He is very laid back, go with the flow. That's why I fell in love with him. But those character traits often fall into other categories, like

managing our finances. So I just wanted to celebrate my husband because he took time to be intentional and he researched a better car insurance option for us, and he did all the paperwork that we needed to to switch car insurance companies. And now you're saving about seventy seven

dollars per month on car insurance. So that is a bill that I am very excited to see come out of my account because every time it comes out, it reminds me that we're saving money and that my laid back, easy going husband also is very intentional and on board with our finances. So thanks for real friends. Love your podcast, Keep it up, Hannah. Yes, what a great gift for Mica to give you. Oh my gosh, Hannah, what a steep Saving seventy a month is nothing to sneeze at.

That is one of my least favorite tasks, as once I have something secured, just completely upsetting the basket to try to get a better rate. It's so good when I can carve out time to do it. You are inspiring me or your husband is inspiring me. Well done. Thanks for sharing great savings and so thrilled that he cared for you and valued you both in this way. Absolutely.

If you want to submit your bill of the week, whether it is an analysis of our voices, a bill that you saved, or a bill that your husband saved for you, please please visit Frugal Friends podcast dot com slash bill. I can't even focus anymore. I can't focus anymore. From the moment I was called husky, and now it's time for round, all right, So we're going to talk about where we save our money. Let's get real and raw and vulnerable. Where is your money, Jill? What is

the account number? What is the round? From her? What's your social Let's tell us. Okay, So can I still say I moved less than a year ago, so you know, take all of this into consideration. So we just moved out of state. I do still have some of my money in a brick and mortar bank back in Pennsylvania, but I could do so much online that I still utilize it. I will say I keep it because it was a local bank and they didn't have any fees.

I'm able to have a lot of different accounts with no fees, and I really like being able to see different buckets of money, like rather having it all in one place and then keeping a separate tally of how much I have a lot of too different places. This has allowed me to have like a lot of little accounts, and I've not been able to find that anywhere else where. I can also easily access my money, so I know

I need to get it out. I'm working on it, so I got a brick and mortar bank back in p A. Also have an account with Chase where I've got a checking and savings and my credit card and my mortgage through them, so that's convenient. So I do have checking and savings accounts and I have it separated

for me. That helps. So I've got a savings account then, because well, thankfully I've moved into employee status, but Eric is still a subcontractor or yeah, kind of technically owns his own business, so we have to pay taxes like they don't get taken out of his paychecks. So I keep a separate tax account, checking account sinking funds, emergency funds. I kind of keep it all separate and that just

helps me visually. But my goal, after having talked with you so much, Jen and doing this episode, is to move that tax account and savings account into a high yield savings account. I think that would help me nice well for Regal friends dot Com, slash a x os, And that's what I'm doing. That's good and I love I mean, I'm not against like brick and mortar for the sake of brick and mortar. I love credit unions

and those are brick and mortar, but I do. I just hate big banks and how manipulative they are, and they invest in a lot of things that I would rather not put my money in. So that is why we were Our mortgage was with Wells Fargo and we moved it to a credit union. We could have gotten a little bit lower of a rate maybe moving it to another bank, but negligible, and we really wanted that

to go into the community versus to a bank. So that's kind of that's a helpful consideration what this topic, right, if you're considering refinancing. We didn't know what we were doing when we got our mortgage, so we just did whatever they told us. And then after the fact, I kind of came to my senses shortly after. But so yeah, so that was important to me. And we do our regular checking and saving at a credit union and our savings are at high yield savings accounts. We have multiple

for different reasons. One is my old business account that I moved to an actual business account because my account was like, you know, that's not separate from your personal finances and it really should be. So so now i've business accounts, highyield savings accounts. But what I actually from doing this episode, was motivated to do kept accountable. I've been saying for so long. Then I'm going to move our money from um our high Heal savings account to

the brokerage to the investments at m one um. And now that we know that we're not going to be getting any rental real estate this year, I have started that process and I'm doing it over kind of six transactions and it should be well on its way by now. Yeah, into a conservative their general investing conservative pie. So it's not keeping up with the local real estate market rise, but it is beating inflation, and that is the goal is just to be inflation. It's mostly bonds with some equities,

so that is where we're keeping our money. Well done. Well. If you all want to tell us where you're keeping your money, go to Frugal Friends Facebook group community when you talk about a mouthful Brugal Friends community group on Facebook. We love to chat about this stuff, and or just send me your routing number in your accounting thanks much. Don't actually don't do that too much responsibility. Thanks for listening everyone, and thank you also for your kind reviews.

There are so many of you being kind for every one of you that's unkind, there's like five hundred of you that are kind, so that's great. And we don't think any of you listening are unkind because we just assume they don't listen anymore. They've dropped off by the time we get to this point. Okay, this one's from Wigion fifty three sevente One of my favorite pods happens to be five stars. Thanks Wigion. Lots of good info in each podcast. They'll take our coals and give you

the high points. I learned that you can negotiate bills or use bill cutters with a Z, buy food in season to save money, take used cars to a mechanic before you buy, and that you can save money at pawnshops by negotiating and paying cash. Also inspired me to finally get rid of most of the crap in my house, including the eight percent of clothes I never wear. Have made some nice profits on Facebook market. Yes, CHANGING love this review for so many reasons. I mean, I definitely

love it for its five stars. That is the maximum amount of stars that I want, and that makes me happy. But also I love all the tips that the very tangible this is what you've taken away from the podcast in the way that's actually improved your situation, So glad to hear that. Yes, thank you so much for letting us know. We also want to thank our friends who

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at gmail dot com. That enters you into that drawing, and don't forget to tag us on so show and we will see you next week by Frugal Friends is produced by Eric Sirian and next week registration opens for the Future of Frugal Summit. Gonna have a summit, going to be online, going over the three gonna be the best? Um. Yes, what a great song. Yes, the Future of Frugal is bright. Jen. I love to talk about husky voice. Are you saying that? In um? Let's talk about some of the highlights with

the summit, just to get everybody listening amped. So we have the five cash giveaway from our sponsor Cube. Money. Cannot get over that, Can I win? Can I win? It? Absolutely not. We have um several annual memberships to our upcoming Accountability and Social club. Oh that that means a whole other episode, and that will have a whole another this other thing that is so needed. I was realizing

this and I get it. We'll probably talk about this in in the other episode when we talk about this, these topics, right, this thought of what is the best place to be putting my money that I'm saving up for I just wouldn't think about this if it weren't for a community or people asking the questions or giving guidance and support. And again, we all have to make our own decisions, but so many of the wise decisions I've been able to make with my finances is because

of community. It's like where else do you go? And I, at least for me, it's not as if I've got a close knit community right around me physically that is giving me all these tips Like I would imagine and probably pretty similar in that way, like you have to go outside of yourself for that and just how crucial an integral this has been for me, and then as we read reviews and engage with people online, how important that is. And so just elevating that platform and making

that more accessible, giving more content to people. I'm really excited about that. It's the natural next step for us, and I think it's going to bring so much value to people. Yeah, I mean the words you just said right there. That's why I don't do one on one like financial coaching, because I believe the power of community and not know, Like, you don't know what you don't know.

I don't know what you don't know, but somebody else may not know something and they ask a question and then you know what you don't know, and everybody gets the answer they need in one shot. And so like I've loved group coaching, and so I just think, yeah, this is a natural next step for us to to take, and I'm really excited to kind of dive deeper into

that later. But like we are also going to have a game running throughout the summit, and so it is a Bingo card that is going to run throughout the summit um. Yeah, and you can fill it in for your chance to win certain prizes and that is going to culminate on the very last day. And they're going to be themed like the Olympics, because the butts up right to the Olympics. The opening ceremonies are the day after our closing ceremonies so to speak. So um, it's

going to be a little Olympics themed for that. Um so thrilled. Yeah, And you're going to get to actually like interact potentially if you want to with other attendees and join and join like a little team. So it's going to be like a team game if you want. We totally plan your own too, And so yeah, it's just going to be a lot of fun. There's going to be live happy hours every night in Eastern for

four nights, and yeah, and goodie bags. Every registrant will get a goodie bag, a virtual goodie bag, and there's just more free stuff, free stuff content. It's just free. Yeah. So we are free with an opportunity to win five hundred dollars. I mean, our community is excited about five dollars, I'm sure Heck, I get excited about pennies on the ground. You want to talk five hundred dollars. That's a bit of a game changer. You can do a lot with

five hundred dollars. Over here is going to try and change your name and enter Yes, I can finally get that water feature for Eric. You will know if you if we find a water if we find a water feature in your house, I'm gonna I'm gonna take a picture and that's going to be easil your way into that cube giveaway. Looking forward to it.