← HerMoney with Jean Chatzky
HerMoney with Jean Chatzky
A Week In Her Wallet: A 35-Year-Old Nurse and Money Coach Who Swears By Systems
00:33:23
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- [00:02]
A
Hey, everyone, and welcome to Her Money. I'm Jean Chatky. And today we are back with another episode in our special listener series, A Week in Her Wallet, where we follow real women from our community as they track their spending for a full week and reflect on the why behind every dollar. This week, we're heading to New Jersey to hear from prisca. She is 35, married, and wears a lot of hats. She works full time as a nurse and part time as a money coach. And between the two roles, she brings in an estimated annual income of around $85,000. She's someone who tracks her spending carefully, avoids impulse buys, and is thoughtful about every purchase, even if it's just a box of seaweed snacks. Prisca says she's all about the long game when it comes to saving. She's not afraid to say no to things that don't bring her joy. And she's built a system that keeps her track even during weeks where she's managing multiple errands, grocery hauls, and surprise expenses. We're going to walk through her week day by day, hear from Prisca in her own words, and talk about how small shifts in awareness can lead to big changes in how we think about money. Prisca, welcome.
- [01:21]
B
Thanks for having me.
- [01:22]
A
Dean, tell me a little bit about you. How did you get into being a money coach and what does that look like on top of your job as a nurse?
- [01:31]
B
Yeah. So ironically, my money journey in terms of teaching people how to do money was by listening to how money podcast. And I, I learned a lot of different concepts about personal finance I never was exposed to before. And so when I realized how simple money can be, there wasn't too much jargon. There wasn't things that I felt like the concepts were easy to understand. Once I applied it and saw the effects, I was like, oh, my God, people have to know this. And so I feel like it's just as impactful as being a nurs because you're helping people live their best lives.
- [02:02]
A
Wow. Well, I think being a nurse is pretty impactful. So that is. That is very, very high praise indeed. From your experience as being a money coach. As a money coach these days, what's the number one issue that you see people having with their budget and their spending?
- [02:21]
B
I think a lot of people don't take as much control as they have the power to do. They kind of see the things that are happening in the world and the world sucks. And yes, it does. Like, we can take control inside that in order to make life better for ourselves. There's only but so much we can fix. But in terms of like how we manage our own finances, the control we have over that, it's completely in our power.
- [02:42]
A
Yeah, I would agree. I mean, sometimes things get really tight and then we feel as if we don't have as much control as we would like. But in general, I think, I think we have a lot more ability to take control than we might otherwise assume that we have. How about for you and your life right now? Are there any big future expenses you're saving for what's, what's on the horizon in the next couple of years?
- [03:09]
B
Yeah, well, my condo is in big need of a refresher. We've had it for since 2015, so over a decade. And so the furniture is that old, if not older. So that's something that's coming down the pike. Very structured though, very systematic because I'm very orderly when it comes to my money.
- [03:27]
A
That sounds good. All right, you ready to dive into your week?
- [03:30]
B
Sure.
- [03:33]
C
All right, let's talk about our spending for today. So I got a charge for $8.25 for my therapy bill. I didn't have it recently but I'm self pay so it goes in whenever my therapist actually puts in for billings. So that happened automatically. Then I went to Costco and got just a couple things for $36.62 and then I went to a restaurant to pick up some pho because I am feeling a little under the weather, not quite sick, but feel like I've been lingering there and I find that their soup is just so great for making me feel better. So I don't feel anything about really most of the purchases that I made today, nothing strongly. Most of it was pretty routine, just things that have to happen in life. And the pho is the only thing that's kind of like unique and I'm in between like pleased and just feel relief. I guess I feel like I'm going to feel a little better once I have it. It feels so just healthy. Was there anything I wanted to buy but didn't? When I was at Costco, I kind of felt like I wanted to get like more snacks.
- [04:54]
B
I did get a, a package of.
- [04:56]
C
Seaweed snacks cuz I enjoy to have something to crunch on but not something that's too heavy and will ruin my calories for the day. So I did get the seaweed snacks but I felt like I wanted something else especially for my husband. But I was like, I didn't give this thought. I don't even know what he's going to want cuz sometimes he could be a little picky. So I didn't want to buy anything that was going to go to waste, so I just left it alone and nothing surprised me about my spending today. This feeling under the weather makes me feel like I need comfort a lot. So this is kind of like sometimes a dangerous feeling to have around my money because it just feels like I need to fill my environment with stuff so I could feel warm and cozy. It's kind of a weird thing, but I did not do that. And I was even mindful like when I go. Because sometimes when I want to eat out, like when I grab the phone, I would want to eat something else. I don't eat out very often. And so it's like, oh, since I'm here, I might as well grab this extra thing. But I did not do that. I have a kind of a system for saving, so I don't think about it on a regular basis. I just get it done. Same with spending. I have a system around spending for the most part. When things. Even when things are unexpected, like there's a plan for it so I don't have to think about it.
- [06:12]
D
That's the beauty of it.
- [06:13]
A
You mentioned it was a decent day of spending. Not too much, but definitely some intentional purchases. You bought groceries, some seaweed snacks that were not on the list. My son loves those. By the way. How do you usually approach grocery shopping? Do you try to give yourself some flexibility or do you stick to what you've written down in your phone or on a piece of paper?
- [06:38]
B
Absolutely. So I have kind of two ways of dealing with this. So I do. I mainly do two grocery runs now. It used to be where I would shop like at four different grocery stores trying to get the best deals. And it actually made me want to buy more things. So I decided to stop doing that. I picked my main two grocery stores to be like Costco and Trader Joe's. Trader Joe's is great because it's like limited. There's only so much you could buy in there, even though you could spend a lot of money. But there's not so much of that Google eyeball thing happening in Trader Joe's, you know?
- [07:08]
A
Right.
- [07:09]
B
And then so with Costco, there is a lot to googly eye. So I actually send my husband with a list to Costco and he is very good about sticking to it. Therefore I avert my eyes completely. And then on the flip side, with Trader Joe's, I give myself like, okay, stick to the list. But if there's one or two things that caught your eye. Like, that's kind of the absolute max. If you pick something more than that, then you have to put something down so that way your bill isn't atrocious for no reason. How often do you go once a week.
- [07:37]
A
And do you find ever that you end up in the grocery store in between those trips?
- [07:43]
B
No. To me, it's, if I really needed it, then I would have thought of it. If I didn't think of it, then somebody's making me think of it, not me. And so I'd rather, if I did think, oh, man, I want something, munch on it. I don't have it. I'm like, well, I gotta figure it out in my own pantry, because that's. I'm not going.
- [07:59]
A
I like that that somebody else is making me think of it, not me. I mean, it might mean you saw something on social media. Somebody dropped a recipe into your feed. I'm constantly, I constantly feel as if I'm chasing recipes. And I, I like. We had a guest on the podcast, a chef who explained that it's really okay to just sub ingredients that you can flip things in and out of recipes and not mess them up. And I took her. I took her to heart. You also brought up therapy. I know therapy is amazing, but the cost can be a lot for some people. Is this something that you come back to when you need it in your life? Is it an always on thing?
- [08:43]
B
Yeah, for now, it's an always on thing. There was a time period where it was like, oh, let's see if I can't. But then I realized, like, I was like stretching it out to maybe every month instead of every two weeks. That's how I kind of teased it out. And then I realized, no, every two weeks is kind of the sweet spot. And there was a big difference too, because my husband's insurance just changed. So before I was only paying $5 for my copays, and now I pay $80 for each visit. So that's. Yeah, it's a big jump. But I use my FSA to cover that so that I could. Even though, I mean, obviously I'm still my money being used. But I could feel less anxiety about it because that is money already set aside for my healthcare, and that's what it's doing.
- [09:19]
A
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- [11:49]
B
Well the fees for ordering in has is a great aversion to doing that. So what I would do like I know like for one there's a great restaurant near my home so I give myself permission that like hey if I'm under the weather it's okay to do it once that week to stop by and pick up a bowl of soup versus getting anything just conveniently come to the house.
- [12:13]
A
Do your fitness goals and your financial goals kind of work hand in hand. And I only ask this question because when I was when I was working on the debt diet for Oprah. We found that a lot of people who went on the debt diet to sort of pay closer attention to their money actually found that they were losing weight, that they were getting in shape. Like, it just sort of happened organically.
- [12:38]
B
Yeah. I think there's a whole mindset that comes with either one of those journeys that marries really well, that you get those skills to have success in the other ones. And so initially, actually, when I started my blog, it was a personal finance and health blog, because I saw, like, how easily, like, they could come together. Like, the same way you want to develop habits when it comes to your money, same things you want to do when it comes to your health. Seeing your doctor regularly, getting your tests done, working out, doing the regular exercises, or the same similar things you're doing with your money. Like, looking at your money regularly. Like, you don't want to put your head in the sand. You want to be proactive and plan ahead, and it avoids so many problems down the line. It's just. It's so much better for your mental health.
- [13:18]
A
Even one of the voice memos that you left us was interesting because you pointed out that you like to skip things if they just don't feel worth it in the moment. The example that you gave us was a giant tub of toothpaste that you said just didn't sit right. I have this problem in Costco. The really big sizes of things give me the heebie jeebies. Actually, I don't want a mayonnaise that big in my fridge. I just. I just don't. How do you think about saying no to things? Even smaller things when they. When they feel a little off? And what's the indicator to you that this is a purchase that you shouldn't make?
- [14:02]
B
So I think, for the most part, it's experience. So I try to like same. Okay, this is kind of geeky, but, like, I like to create sops in my life where it's okay if I have experienced this before, and when I come into a decision like this, again, how do I want to approach it? And so one of the things, especially with Costco, is, like, you buy something and it's such a big size. If you never tried it before, but you're, like, eager to try it because it's, like, flashy in here at Costco. But what if I hate it? Then I have to either come back and return this whole thing or just throw it out. And that's not in alignment with what I want to do because, like, if I want to try something that maybe I go to the grocery store that has it in the normal size and then see if I like it versus going ball to the wall by getting the big size. So whenever I make mistakes, quote unquote, I don't look at them as mistakes. It's more like learning experiences. Like, how can I use this to make better decisions going forward?
- [14:52]
A
An SOP Standard operating procedure. Okay. All right. Just wanted to make sure. I was tracking. On Wednesday, you said you spent on your E z Pass.
- [15:03]
D
So January 7th. The only exception expenditure that was made today was a deposit. Easy Pass account for $100. Usually I refill at payday, but there was a. I got an alert that it was in a negative balance. So that's why I went to put money on it. There was a recent change in life, which we haven't adjusted yet for because it only happened this week where my husband, who usually took the bus into work, now has a job where he's driving in. And so that adjustment has to be made. So that was the only expenditure. How did it make me feel? I don't like having a negative balance anywhere. So it wasn't a great feeling, but it wasn't a horrible feeling either because Easy pass and I really like them. We just, you know, you have to use it and it's pretty easy. Like, it doesn't create a lot of drama to be in a negative balance. For a little bit. You just put the money on and it's fine. It was a very, like, no, pretty much no spend day, except for the fact that I had to refill the E Z Pass. So it doesn't feel like. It just feels like ordinary day. I don't spend money every single day.
- [16:09]
A
Usually there's been this big change in your life where your husband used to take the bus to work and is now driving. Do you all share all your finances? Do you share a car? How do you make the decisions on what's yours and what's his?
- [16:24]
B
So we have his, hers, and our money. And so when it comes to things like our home expenses. Expenses, the house, maintenance, things like that, like, that goes all into a bucket that we both contribute to. But then when it comes to, like, our spending, individual spending, even when it comes to things like our cars, like, we treat that as individual. And so when it comes to things like this EZ Pass thing, this is. Well, initially he thought that it was gonna be like seven or eight dollars based on Google, who estimated the tolls, but it wind up being $13. So it was like, ooh, that kind of came out of nowhere. Every paycheck I check the easy pass to see if it needs money and I top it off. But then now we have it his budget that he's going to add money every week with his PayCheck to the EasyPass account.
- [17:08]
A
And have you had to adjust your joint budget because of his E Z pass? Or is this something that is fallen on him?
- [17:15]
B
Yeah, that's all him.
- [17:17]
A
That's all him. What does he do, your husband?
- [17:19]
B
He's a construction manager.
- [17:22]
A
Got it. We are going to take a very quick break. When we come back, we're diving into the rest of Prisca's week. Comfort and confidence. That's what I look for in my underwear. And that's what Skims delivers. The cotton jersey full brief has become my daily go to. No bunching, no riding up, no stretching out. It hugs in all the right ways. And not only that, they are soft, breathable and still look brand new after dozens of washes. And I'm obsessed with the fits. Everybody. Triangle Bralette. As someone who's always looking for that sweet spot between comfort and support, this one nailed it. It's flattering, flexible, and makes me feel put together even in my comfiest clothes. Skims has totally changed how I think about getting dressed. It's not just what's on the outside. It starts with the base Shop my favorite bras and underwear@skims.com after you place your order, be sure to let them know we sent you select podcast in the survey and be sure to select our show in the dropdown menu that follows. And if you're looking for the perfect Valentine's and if you're looking for the perfect gift for your valentine or yourself, the Skims Valentine's shop is now open.
- [18:38]
E
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- [19:07]
A
We are back. We're talking about Prisca, who is both a nurse and a money coach. On Thursday, Prisca, which was Payday, one of the only things that you spent money on was a donation.
- [19:22]
D
So today, January 8th, only purchase that was made. Technically, it's a donation. I donated $50. Today was payday So I basically implemented my budget putting money aside for savings for investing and paying off credit cards. And yeah, that's connect. So that's something I spent money on today. It's part of my routine. So it doesn't necessarily enact a special.
- [19:54]
C
Feeling except for I'm always grateful to.
- [19:57]
D
Be able to continue doing it because it was a time when I couldn't. Was there anything I wanted to buy but didn't? Not really. I kind of was thinking about getting dinner out, but I changed my mind because the motivation was lost.
- [20:14]
C
I was like, I would see you at home.
- [20:16]
D
Did anything about my span city surprise you? No, I'm feeling confident. Stress, kind of like stat quote. Not a real special feeling. Is there a purchase? I'm glad I made a second guessing not today. And today is a very much savings because, you know, it's a good chunk of money goes towards my savings when I implement my budget. And then it's also spending like I'm paying off, you know, what I purchased in the last two weeks with my credit cards.
- [20:46]
A
How do you decide where you're giving money or giving time?
- [20:51]
B
So I have a pretty standard way of doing it. So like I contribute to my religious organization because it matters to me and so that's pretty much more or less who I give to. It's rare that I wind up giving money elsewhere because I just have it built into my budget to do it this way. And so if there are other opportunities to give for other reasons, if something tickles my fancy, I see something come my way, then I have a sinking fund just for spending that I could take money from and do that.
- [21:19]
A
Tell me about your sinking fund.
- [21:22]
B
So good question. I don't know when it started. It's been a very long time, but I would estimate, I would say like 20, 18, 19 ish. Because that's when I started actually paying attention and learning about money. And so this, it's literally on my budget. It just says spending and money automatically goes there with every paycheck so that I can feel completely guilt free with whatever I decide to spend for that. And that's outside of like we have sinking funds for vacations, for the house and things like that. So that's separate. This is just like, hey, I wanted to go get a massage. I don't think about it. Here it goes. If anything feels like it's going to bust my budget, the sinking fund comes to save the day.
- [22:03]
A
You're so rational about this. I mean, I think it's unusual actually. I mean there's very Little emotion. There's very little. This is just like, this is the way it is.
- [22:13]
B
Yep.
- [22:13]
A
This is the way I set it up. This is the way it works. It always works this way. Do you ever find yourself existing at the margins?
- [22:23]
B
Oh, that's an excellent question. So, yes and no. So I find that this is what was necessary for me in order to keep, like, some measure of calm in the chaos that we live in. You know, there's so many things happening all the time, and I see how the stress that people exist in and there's a lot of things that are outside our control. And it's kind of like my little mantra is, like, this is something we can control. Like, I can have this space where I don't have to have stress. Like, I have that option and I'm gonna take it because there's other things I have no control over. You know, like, I'm gonna be. I have aging parents. Like, if something happens to them, I don't wanna have to worry about not being, like, taking time off work to go there, or if they needed something that cost more than they could afford, that I could help out. You know? Like, I want that not to be an issue because there are other things, other people that I cannot do anything about.
- [23:13]
A
Well, along the same lines, on Friday, you spent $10 on gas because you have this personal rule of never letting your tank fall below a quarter.
- [23:24]
D
So on the 9th, I spent $8.26. Getting gas didn't make me feel like anything except for the fact that I do not like for my car's tank to go below half a tank.
- [23:40]
B
So once it hits a quarter tank, I know it's going to be a.
- [23:43]
D
While before it's time to go.
- [23:44]
B
I try to go fill my tank.
- [23:45]
D
Once a week if it's at a quarter tank.
- [23:47]
B
I don't do that, though, because I just feel like it's a little bit obnoxious. But this time it got a little bit below a quarter, and I'm like, by the time I go to do.
- [23:55]
D
Gas next week, it's going to be.
- [23:56]
B
Probably less than half a tank.
- [23:58]
D
And I don't like that. So it's very fulfilling for me to just fill up my gas tank for less than 10 bucks. It just feels great. The only thing I wanted to buy. I didn't know. Did anything about today's spending surprise you?
- [24:11]
B
I was surprised, actually.
- [24:12]
D
Not so much today, but I feel.
- [24:13]
C
Like for this week, the fact that.
- [24:15]
D
I had something to spend every day was odd because I typically go multiple days without Spending any kind of money. But then I guess I don't ever really think about stuff that are automated or part of my process. Like, I only look at shopping, like, when I go physically go shop versus, like, things like, you know, donating money or putting money on Easy Pass or even gas. I feel like, because it's so such a minute part of my day doesn't require any effort. So today is very little spending day. And I feel worried about it.
- [24:52]
A
Is this. This is a control thing, right? Did you have experience with running out of gas in your life?
- [24:57]
B
Yes, actually. I don't know that that's how this started, but I think it was funny. Cause it was a thread that was just. I was like, how can you tell that you're rich? And I was like, I don't look at the gas tank anywhere when they fill it up. And I was like, it's a far cry from when I was in college, like, really trying to make that dollar stretch. And one time I did run out of gas on the. On a highway on the way to work. And so I don't think that's when I started with that. But between that and stuff, like, kind of always happening in the world where they kind of urge you, when you think about emergency planning, it's like, don't let your gas tank go below half. And then now it's cold. I'm like, even more reason not to let it go down. And it's just having a routine to me is just easier. Like, so if I'm going once a week or once every two weeks rather than sporadically, I find that it doesn't stress me out. I remember just, like, thinking, you know, there's that whole adage on Internet, like, oh, the biggest mistake you can make is tell yourself you're gonna get gas in the morning. I'm like, I never wanna do that. Like, where I have to feel like I have pressure to go do something, I'd rather it be done off my list. And just calm. I just aim for calm.
- [25:58]
A
On Saturday, you said you spent $25 for two hours of dance classes, and you just lit up talking about this.
- [26:08]
D
So for the 10th, the only money I spent was 25.98 for two dance classes and two hours of dancing, which makes me feel awesome. I love dancing. It's like my favorite thing to do. And I actually am. I don't want to say sad, but, like, I wish I did a lot more. So there's nothing I wanted to buy at the end. I did buy that. And then the Evening while I was spending today, so. Surprise me. No, it kind of did come. I think I had my sister reached out to me about the class a few days ago. And then yesterday, you know, the day before on Friday, I reached out to her about where she going to go and she didn't tell me. Yes. No. So I asked her again yesterday. So I kind of. We went. We both took it the same day. Am I feeling very at the eye? I love dancing so much. I love. Anytime I get to include it in my life. I'm grateful to be able to spend this money so I could do something I enjoy.
- [27:11]
A
Tell me about what you love about dancing and using some of your money to buy you more joy.
- [27:18]
B
Yes. So as you mentioned before, like, it's like, it's a little unusual. Everything's so structured. It's the one place I feel like completely just. I don't even know the. I can't remember the word, but where I just feel completely free. Like, I don't even care what I look like. I'm just here to learn the thing. I get so much joy of people's energies, like just being so excited and the fun and the happiness, like, I feed off of that. And so like, even I went with my sister and she's more about getting it right. I'm like, don't bring that energy over here. Like, I want it. I just want to just exist. Like, I don't need to get the steps exactly correct. I just want to be. It's the one place that I feel completely that could be. And so another thing I do love is travel. And so that's another thing. Like, I want my money looks like the way I want my life to look like where it's calm. I get to travel without worrying about incurring debt, which was like a big thing in the past. And I want to continue to emulate that.
- [28:14]
A
Finally, Sunday, you had one of those Costco runs.
- [28:18]
D
Alrighty. So last day, the 11th, the only purchase that was made was a routine Costco run. The secret to keeping my Costco bill fairly low, and that's in comparison to what it used to be, is by sending my husband to go with the list rather than me going. And what was spent was 72.79. And there's some convenience purchases in there that kind of inflates it a little bit. But used to be that this would easily be $100, $200 every week. And so I am very proud of the fact that it's this much. And let's see a Lot of it is, like, fresh fruit, onions, garlic, you know, things that are healthy. We got honeydew. So, like, it just feels like half the list is just nature, and then the half list is the convenience suites that kind of inflated. But que serastera. I didn't go to the store, so I didn't have to worry about the temptation of it. It's kind of like my little cheat code to send him. And nothing was surprising about today's expenditures. Today is clearly more of a spending day, but, you know, within reason, he has to go grocery shopping, and that's it.
- [29:38]
A
$72, which, in my experience, I don't think I've ever gotten out of Costco for $72. But you said you send your husband with the list. He sticks to it, huh? Yes, he does he sample? Does he have the hot dog? Does he know?
- [29:56]
B
No, because usually when he goes, it's not even time. Like, we go in the morning, and so usually that stuff is not even out and even. And he's kind of a hypochondriac anyway. He won't touch anything that it looks like other of touch, so. And he doesn't get tempted like that. He's just very much do the task and keep it moving. And he has no vision when it comes to the kitchen, so it makes it very convenient. Versus me. I'm like, oh, I could do something with that. So that's. It's just awesome. I remember, though, there was a time where my Costco bill, even though we went weekly, was like 200, $300. So I empathize with the people, but I just want just hope, okay, if I could do it, I promise you could do it.
- [30:35]
A
My secret is that I go to Costco very infrequently. A couple of times a year, two, three times a year, I go to Costco. But when I go, I buy all the paper towels and all the Ziploc bags. Your total for the week was just under $700. Is that about average? Was this a lower spend week? A higher spend week?
- [30:57]
B
I actually feel like it was kind of average to high. Like, even when I was, you know, submitting, I was like, oh, it's very rare that I feel like I spend money every day of the week. Which kind of panned out that way this week because, like I said before, I used to go shopping at multiple grocery stores, and so I would spend money almost every day of the week. And now I rarely swipe my card because I have those. That routine built in. And so, like, it was I would say average. So like, usually with every paycheck, I have about $1,400 set aside for spending for the two weeks. And so that's kind of right on.
- [31:30]
A
The money as a money coach. For the other women listening who feel like they would like a little bit of this control, they would like to be a little less reactive when it comes to money, what's the best piece of advice you would offer?
- [31:44]
B
So the one I always give people to do first is to just pay yourself first. Because before when I used to save after I paid all the bills, the amount of money that was in my savings would fluctuate greatly per paycheck. Where it'd be, you know, maybe I have $100 this check, $400 this check. Now it's like a set amount. 400, $500 is going towards investing and saving every single paycheck. And that's aside from my what's going to my work retirement account. That happens as well. So you see your savings grow and it motivates you to do it more. I do want to have the savings. I want this cushion. Women a lot crave safety and, you know, having a good financial foundation will make you feel safer so you don't have to feel so reactive.
- [32:24]
A
Prisca, you're a smart cookie. Thank you so much for doing this with us and doing this for us and sharing your secrets.
- [32:32]
B
Oh, thank you. I mean, like I said, you started this all for me. I knew nothing pretty much about money before I started listening to your podcast. So it's like a full like 1. 360, 180. I don't even know which degrees, but it's one of them.
- [32:45]
A
It's amazing. 360 moment. Full circle.
- [32:47]
B
Moment. Yes. Full circle.
- [32:49]
A
This was fun. I enjoyed it. Thank you.
- [32:51]
B
Thank you.
- [32:53]
A
Apart, if you love today's episode, please take a moment to leave us a five star review on Apple Podcast. Your feedback means the world to me. Looking to grow your investing skills and make smarter decisions with Your Money in 2026, join HerMoney's investing fix, the twice monthly women's only investment club where expert stock pickers pitch ideas and you help build the portfolio. Since launching four years ago, our member driven picks have outperformed the S and P. Thanks to smart collaborative choices, we've got a strong track record and a community that's learning and winning together. Tap the link in the show notes and check out Investing Fix today. Her money is produced by Hayley Pascalides and our music is provided by video helper. Thanks so much for listening, and we'll talk soon.