← So Money with Farnoosh Torabi
So Money with Farnoosh Torabi
1809: Ask Farnoosh: Prepping Your Finances for Tariffs and Managing Recession Risks
00:29:30
Loading summary
Transcript24 lines
- [00:02]
Farnoosh Tarabi
Race the rudders.
- [00:03]
Fred
Race the sails.
- [00:04]
Farnoosh Tarabi
Race the sails. Captain, an unidentified ship is approaching.
- [00:07]
Danny
Over.
- [00:08]
Fred
Roger.
- [00:09]
Danny
Wait.
- [00:10]
Farnoosh Tarabi
Is that an enterprise sales solution? Reach sales professionals, not professional sailors. With LinkedIn ads, you can target the right people by industry, job title and more. We'll even give you a $100 credit on your next campaign. Get started today at LinkedIn.com results. Terms and conditions apply. Hold that serve. There's no time for pickleball, because you're gonna want to hear this. NOOM now has GLP1s. No way. Oh, yes way, Fred. Psychology and meds. That's how Noom helps you lose the weight and keep it off.
- [00:41]
Danny
That's really smart.
- [00:43]
Farnoosh Tarabi
Oh, Danny. It's NOOM smart. And they start at just 149 bucks and they're shipped to your door in seven days.
- [00:48]
Fred
Holy smokes, that's fast.
- [00:50]
Farnoosh Tarabi
But not as fast as my service game. Hey, who's ready to get pickled?
- [00:53]
Danny
Get started with Noom GLP1 today. Not all customers will medically qualify for prescription medications. Compounded medications are not reviewed by the FDA for safety, efficacy or quality. So Money Episode 1809 Ask Farnoosh.
- [01:07]
Fred
You're listening to so Money with award winning money guru Farnoosh Tarabi. Each day get a 30 minute dose of financial inspiration from the world's top business minds, authors, influencers, and from Farnoosh yourself. Looking for ways to save on gas or double your double coupons. Sorry, you're in the wrong place. Seeking profound ways to live a richer, happier life. Welcome to SO Money.
- [01:34]
Danny
Hey, everybody. Welcome to Sew Money. It is Ask Varnish Friday. I'm Farnoosh Tarabi. Thanks for joining me for what I think is one of the most important conversations we're going to have in a while. I'm recording this on Thursday, April 3rd. You're hearing this on April 4th or the weekend, but I'm recording this just as we are in the midst of a market meltdown. And the trigger has been President Donald Trump's sweeping new tariff announcement. One that he's calling a quote unquote declaration of Economic independence. But it doesn't feel like that right now, does it? Here's what this actually means. Trump announced a 10% tariff on all imports into the United States. All of them. In addition, about 60 countries, China, Mexico, the European Union among them, will face even higher tariffs, some as high as 34%. These changes go into effect this Saturday, just after midnight. The bigger tariffs kick in by April 9. Now, just for some historical context, this is the most significant escalation in. In US tariffs in almost 100 years. There was this act in 1930 called the Smoot Hawley act. And that law was widely blamed for turning a bad recession into the Great Depression. So this is a big moment, but I am not saying all this to fuel the fear. I'm gonna get into some ways that we can turn some of our anxiety, and I'm feeling it too, into some healthy steps. The markets are not liking this news as I'm speaking to you now. Again, this is Thursday, April 3rd. Whoa. The Dow is down 1400 points, a loss of 3%. The S&P 500, which we often call the broad market index, down 4%. Nasdaq down 5%. Russell 2000 down 6.5%. When I heard that this morning, I thought, didn't Wall street know tariffs were happening? They did, but not to this extent. The companies that were hardest hit on this news, Apple, Nike, Walmart, you can guess why. And this is just the beginning. We're entering what I would say is a pressure cooker period for the economy. Uncertainty is just the name of the game right now. And this is important because when it comes to our personal finances, we don't like uncertainty. When you hear tariffs, it sounds like something that only affects CEOs or politicians or supply chain managers. But these policies do trickle down quickly, which I've been telling us for months now. They hit the everyday consumer right where it hurts. The grocery bill, your credit card interest, your next car purchase, even when you go to the doctors. I mean, I'm reading articles about how hospitals, they import a lot of their medical supplies from overseas. That is going to trickle down into our bills. And you better believe this is going to impact even more the job market. So job security is something that I think should be top of mind for all of us right now. So what now? Well, you know, Goldman Sachs says now the chance of a US recession in the next year is 35%, up from 20%. They've lowered their forecast for GDP this year from 2% to 1 1/2%. This will affect jobs. When we have recessions, we usually see more job loss. So if you are interested in controlling your money right now, which I, if you're listening to this podcast, I'm can, can guarantee you are. Here's what I recommend. Okay. Wrote the book A Healthy State of Panic for moments like these. And if you're scared right now, the best way to calm your fear and take control of your fear is to go to the scary place and map out a plan. Think about the worst case scenarios that could happen in the next few weeks or the next month. What if you do lose your job? What if prices on many of your basic expenses go up 15%? What if the credit card debt that you're carrying sees its interest rate jump by 3, 4 points? And then you ask yourself not just what if, but what now? What will I do right now? So you get off this podcast and you create a plan. And that plan may look like building up my cash reserves. If you haven't already, now is a great time to boost your emergency savings. Aim for up to six months of basic expenses. I know that sounds like a gargantuan task, especially if you're starting at zero. But a little bit can go a very long way. You will not regret tucking away 50, $100 a week because when that time comes, if and when that time comes, that you will need to tap that emergency saving savings, the money will be there for you. If you have freelance income, if you have a regular income, take every paycheck that you make and set aside 10, 15, 20% of that into a high yield savings account. Even just a month of cushion is better than nothing. I would also rethink big purchases for now. If you have limited income, limited savings, and you are looking to buy a car or take on a home renovation project, I would press pause because prices could spike and interest rates may go up. I would just wait and watch. If this is not a necessity. If we're not talking about your roof or your plumbing, but like a project that would, you know, make your house look better, shinier, I would say take, take a beat. If you have to spend, negotiate research deals. Take the time to do that. One positive news that's come out of this pretty quickly is Ford, who's offering employee pricing to all consumers in response to rising auto costs. It's on select car cars. It's for a limited time. So if you're looking for a car, check out for it. And I'm sure other companies will follow suit. This is also an important time to put on your to do list if you're nervous, if you're fearful to pay off that high interest debt, this is not the moment to be carrying a 22% balance on your credit card. So focus on wiping out the variable interest rate debt. Consider 0% transfer offers. Consider calling up your credit card issuers, negotiating your rate, or just really getting aggressive about about snowballing that debt. As far as our investments, this is not the time to withdraw from investing. It's just as Important to invest in times like these, as when the markets are doing well. I mean, if anything, stocks are really cheap right now. And if you have a long term investment horizon, meaning you don't need to tap this money for the next 25, 30 plus years, this is actually a great time to get into the market. You're getting in at very, very low prices. Stay the course. But if you're nearing retirement or if you're in it, you may want to adjust your allocations at least because we know that the closer that we are to needing to withdraw from our investments, the less risk we can afford. So my recommendation is look at your exposure to stocks and think about increasing your positions in bonds, in cash, in stable value funds, so that you can, at least for the next five years, know that you have that income set aside for you. Now let's talk about our jobs and work because yes, we can try to re engineer our budgets and you know, we can obsess over that. But let's not overlook the importance of securing and diversifying, in some cases our income streams. Income protection is everything right now as we step into a potential recession. If you freelance or you own your own business, diversify your income streams as best you can. This is the time to start a new income stream. If you've been putting it on the back burner, if you're employed, stay sharp, stay visible, stay valuable, and have a conversation with your employer, whether that's your manager or HR or both. But have some proactive conversations about here's here. Are the questions ready? Are we on stable footing? I mean, they may not be able to tell you, but ask it anyway. Can't hurt. Second question, what is, according to our policy, our employer handbook, our severance payout, what can we expect in terms of severance in the event of a layoff? And then you go online and you look at your state unemployment insurance and see what you might be able to get there. These are the puzzle pieces that are very important to identify now, ahead of a moment like a layoff, when emotions are high, you're scrambling. And again, this isn't Farnoosh encouraging you to be paranoid or neurotic. This is practical, empowering financial planning in a moment where we have so much uncertainty. If layoffs happen, you won't be scrambling. You will have your roadmap. Let's also talk about interest rates. A lot of people are wondering, okay, so tariffs are happening. They're more than we expected. Economists are forecasting slower growth in the economy, potentially more layoffs, definitely higher consumer prices. How is this going to affect the interest rate market? And the Federal Reserve is in charge of monetary policy, which controls the overnight bank lending rates, which then become the interest rates that we carry on things like credit cards and car loans. The Federal Reserve is watching all of this play out and they're in a very tough position. They had a meeting recently where they left rates unchanged, basically because they said, we have no idea how things are going to pan out. We're not going to make any moves right now in anticipation of anything because we frankly can't anticipate. And so they left interest rates unchanged. Here's their dilemma. Do they cut rates or do they raise rates? This will all have to depend on how things net out. If tariffs hurt jobs and spending, the Fed may cut rates to stimulate the economy. If tariffs fuel inflation like they did during the pandemic, the Fed may then go back to raising rates to cool things down. There's no clear path right now. The next Fed meeting is in May. It's going to be a pivotal meeting, especially if we start to see more economic data showing weaknesses. All why we have to Stay informed. Stay with this podcast. Keep showing up for your money. In summary, protect your income, trim unnecessary spending, stay calm with your investments, and best of all, plan for the possible, not panic over the probable. All right, thanks for coming to my Tariff TED Talk. We're going to answer a number of questions today that don't have anything to do with tariffs, which is okay, we have a question about how to buy out a sibling when you are in a sibling partnership, owning a home together through an llc. A little complicated, a little hairy, but I got some answers. Another audience member has done very well as an Investor. Before hitting 30, she's saved hundreds of thousands of dollars through investing. Wondering what's next? How can she do more? Is it time to take on more risk? Especially if she wants to support her aging parents eventually. And then another listener wants to know whether she should quit her job. She's been at the same job for five years, feeling stuck, underpaid, under challenged, wanting something new. But with talks of a slowdown in the economy and layoffs, is now really the right time to leave? Should she wait or make a move? That's from Mandy in our audience. All right, I'm going to answer all of those questions, but first let's go to the Apple podcast review section and thank our latest reviewer of the week, who's going to get a free 15 minute phone call with me this week. We're going to say thank you to caclmft, who left a review on Tuesday, calling the show enjoyable and informative. This is the review. My word of the year in 2019 was money. And I started listening to lots of finance related podcasts that year, I think. So money is the only one I still listen to regularly. Farnusha's solo episodes are great. She also has consistently excellent guests on a variety of topics. I feel so much more educated about my finances due to Farnouche's approachable explanations. Plus I like her voice. I highly recommend you listen well. Thank you. It's not often I get complimented on my voice. I will take it because I'll tell you what, after all these years of working in broadcast, everyone is sensitive to their own voice. Even as I'm, you know, producing another podcast called the Montclair Pod. And sometimes my kids will come on, sometimes my husband comes on and they're always like, oh my God, stop playing it. I hate my voice. I'm like, guys, I'm with you, but the job's gotta get done. And I'm just so happy that beyond my voice, you're also appreciating and gaining from the information and the wisdom that my guests share on this podcast. And I tell you what, when you started listening in 2019, it was a different world. And then of course, we had the pandemic. And to still be listening to the podcast now, as the world has continued to evolve and I'm sure your life as well has evolved, it means a lot. It means that this show has staying power and that's all I want. You know, I've been doing this for 10 years, hope to be doing it for another 10. Your review really inspires me, keeps me going. Thank you. I'd love to give you a free 15 minute phone call and talk about whatever you want. So you can email me Farnoosh@somoneypodcast.com you can also DM me on Instagram at farnoushtarabi and let me know you left this review. I'll circle back with a link where you can pick a time for us to connect. Thank you so much. In case you miss any of our shows this week, we had a great lineup of guests. On Monday, I sat down with Jess Turner, who is executive Vice president and global head of open banking at MasterCard. We talked about what is open banking. This is a relatively new innovation and technology shaping our money world. So I wanted her to come on, help us understand what's, what's it all about, why it matters and how we can ultimately leverage it to improve our financial lives. And then on Wednesday, I reconnected with Believe it or Not, a former book to brand alumna who is now onto her second book. Melody Wilding is an executive coach and her latest book is called Managing up. How to get what you need from the people in charge. That's right, when your boss has gone AWOL or is being tough is not giving you the credit that you deserve, is playing politics. How do you navigate that? You can't change your boss. Right, we know that. But how do we change our relationship dynamic and the power dynamic so that we, you and I can get our goals accomplished? And Melody brought to the show tons of advice, including frameworks, communication strategies and advice around how to advocate for more money without burning bridges. You gotta listen to that show. All right, before we go to the mailbag, just one quick reminder. If you are seeking a money squad, a community of like minded, like spirited, curious people who want to improve upon their financial lives, I've got a great community going for us at the so Money Members Club. Outside of the podcast, I run this members only community. I provide workshops, live and recorded free office hours and ongoing communication in our chat rooms. One night I remember recently I was helping someone, Jenny, if you're listening, work through her plans to buy a new home. And I love doing this. The community is very tight. It's tight knit and it's open. So if you'd like to join, go to so moneymembers.com so moneymembers.com you can learn more there. You can see our whole 2025 workshop calendar so you know what's coming down the pipeline in terms of what we're going to be learning this year, but record everything. So we have a growing library of lessons and workshops. Everything from real estate to investing. How to speak to your kids about money, how to improve money in your relationship, how to get out of debt. All of it so money members.com tax season comes down to three things. Preparation, preparation and preparation. And if you're like most people, keeping track of all your financial logins, receipts and tax documents can feel like an impossible task. That's where 1Password comes in. It helps protect you from fake tax prep websites by only auto filling logins on the sites you've actually saved. And let's talk about all those forms you need to Keep track of.w2s 1099s business receipts. With 1Password, you can securely store and share all of it with encrypted storage. I have been using 1Password for years and honestly, I can't imagine handling tax season without it. Before I began using 1Password, I once spent an entire afternoon resetting passwords just to access my tax documents. And of course I had to re answer all those security questions like what was the name of my first pet? Well, I didn't have a pet growing up, so that led to like another hour of confusion. Right now you can get 25 off your first year of 1Password individual or 50 off your first year of 1Password families@1Password.com somoney that's 1P a S-S-W-O-R-D.com somoney all lowercase taxes. They can be stressful, but staying organized doesn't have to be. Get 1Password today.
- [18:37]
Farnoosh Tarabi
When you're a forward thinker, the only thing you're afraid of is business as usual. Workday is the AI platform that transforms the way you manage your people and money today so you can transform tomorrow. Workday, moving business forever forward. Does it ever feel like you're a marketing professional just speaking into the boy? Well, with LinkedIn ads, you can know you're reaching the right decision makers. You can even target buyers by job title, industry, company seniority skills. Wait, did I say job title yet? Get started today and see how you can avoid the void and reach the right buyers with LinkedIn ads. We'll even give you a $100 credit on your next campaign. Get started at LinkedIn.com results, terms and conditions apply.
- [19:22]
Danny
Hey prime members, are you tired of.
- [19:24]
Farnoosh Tarabi
Ads interfering with your favorite podcasts? Good news.
- [19:27]
Danny
With Amazon Music, you have access to.
- [19:29]
Farnoosh Tarabi
The largest catalog of ad free top.
- [19:31]
Danny
Podcasts included with your Prime. To start listening, download the Amazon Music app for free or go to Amazon.com/freepodcasts. That's Amazon.com@freepodcasts to catch up on the.
- [19:47]
Farnoosh Tarabi
Latest episodes without the ads.
- [19:52]
Danny
All right, let's go to the mailbag. And I want to start with Mandy, who is wondering whether to quit her job. And this is a very timely, relatable questions. So many people right now, I think, are torn between staying put, especially if you've been at this job through the pandemic and still you are probably done right. The economy, though, is sending us mixed signals as to what is the safe and right move. The vibe, as I've talked about already, is that we're not in a recession, but it's very recessionary. We're in a recessionary mood. We have already seen headlines about hiring freezes, layoffs, especially in Tech and media and some pullback in those white collar industries that were booming just a couple years ago. And so I think there's a layer to this that says we have to play it safe, smart, safe. But that doesn't mean standing still. So here's what I would recommend for Mandy and anybody else who's in her shoes. One, you want to audit your current role before you jump ship. How you actually explored all of your options internally. Have you talked to your team, your higher ups, about a raise, a promotion? Sometimes the path forward isn't leaving, it's through, it's staying where you are and it's moving to a different department, it's going upward. If your company is still doing well financially, this is a great time to advocate for yourself. While others are keeping their heads down. Because managers, I will tell you, they notice initiative. The company's not going bankrupt, right? But they may have to trim down. But if you're showing initiative, you're raising your hand, you're coming up with solutions. I can't say you're immune to layoffs, but you're doing everything you can to secure your job. Secondly, you want to test the market quietly. Of course, you don't need to update your LinkedIn with an open to work tomorrow, but do start quietly networking. Start to have those important conversations behind the scenes to figure out what's possible, what's out there. You might get a few nibbles even in this climate, and that's a good sign that you have leverage. I would also consider the health of your industry. Mandy didn't tell me which industry she's in. Not all sectors are experiencing slowdowns equally, but if you're in an at risk field like tech or media, I would tread carefully and I would prioritize companies with strong balance sheets and a real plan for the future. The balance sheets. You can get a lot of financial information from a publicly traded company in their quarterly statement. So if you are looking at these public companies, you can find their financials online and you can see if they've had layoffs recently or if they're forecasting slower growth, if they're reducing their their earnings estimates, et cetera. As always, it's really helpful to have a financial cushion. Make sure you're not leaving your company without a safety net. You may not be leaving with a job in hand, but you definitely want to have some savings. At least four to six months of expenses in savings if you're in between jobs and more potentially if you're financially responsible for anyone. Children Parents, if you don't have that cushion, I would start saving now so that when the right opportunity arrives or you've just had it, you can leave with that cushion. So it's not necessarily the wrong or the worst time to leave your job. It's just the. The worst time to leap without a plan. If you are strategic, you're exploring internal growth first, then you're testing the external waters and you're building your financial buffer. That's what's going to give you Runway. That's what's going to give you confidence to make some moves in these very uncertain times. And just to remind everyone, no job is ever entirely secure. The most powerful thing we can all do right now is make ourselves our biggest assets. Invest not just in our retirement accounts, but in our skills, in our relationships, in our, in our knowledge. Learn AI, everybody, just learn it. Start using chat, start using Claude, start using all of the things. Because the time to learn all of that was yesterday. I've made it a priority for myself. All right, our next question's about how to divest a relative, a sibling, in this case from a real estate partnership. This is a question from Alexandra where she says, I co own a home with three siblings. The home is paid off, it's in an llc. One sibling wants out and we love to find another way to finance buying him out rather than cash. And wondered if there are any resources you can recommend so that I can figure out options for financing through an llc. I don't think a mortgage is an option. All right, so first off, Alexandra, you're in a very unique and powerful position with a fully paid off property owned through an LLC when it comes to buying out a sibling's share without using cash. Yeah, traditional mortgages typically aren't available to LLCs, especially those that are structured for family ownership. So I want to offer some other ideas, other pathways. One is a commercial real estate loan. These are generally designed for business entities like LLCs, and they can offer terms for buyouts, though they often require strong credit and proof of business income. Second thing to explore is a portfolio lender. Now, this is a type of lender, usually a smaller regional bank or credit union, that keeps the loans it originates on its books rather than selling them on the secondary mortgage market like to Fannie Mae or Freddie Mac. And because they don't have to follow the same underwriting guidelines, they tend to be more flexible than the big, big banks. And they might be willing to work with an LLC that owns residential property, especially if there's equity in the property, which I assume there is, and that there is also a clear repayment plan. Another thing to explore if you haven't already private lending or peer to peer lending. This is all going to depend on your network and your timeline. But there are private investors out there. There might even be some family members outside of this LLC partnership that what that might be willing to fund the buyout with a structured agreement. With any of these, I would run it by a CPA as well as a real estate attorney. They may actually have more ideas for you. This is going to require a little bit of a creative solution going outside the traditional financial landscape. Your cpa, a real estate attorney might have some ideas for you that I don't even know about. So good luck to you. Thanks so much for your question. And last but not least, a very thoughtful email crossed my inbox from Yuna, who's a longtime listener, first time emailer. She heard about my podcast through reading A Healthy State of Panic and she said that my experiences growing up in America as a child of immigrant parents was very resonant with her. She is the daughter of Korean parents. She's 27, lives in Canada. She managed to get a full ride to an American university and has been financially independent since 18 years old. Her question is mainly about how to grow her investments. So here's more background on Yuna. She says after almost 10 years of working multiple jobs, hustling and saving, I I have more than $300,000 as my net worth. And by the way, she doesn't make boatloads of money. She's a government employee with a fixed salary. Her only financial goal is to help her parents retire as soon as possible. They are 65 and 69 and one has cancer. While also she said another goal is to continue growing my wealth so I can support myself and my parents long term. So her question's really about how to grow her investments. She's maxing out all of her government supported, tax free savings accounts. Spare money is going into us ETFs. She's not really interested in buying a home as a potential investment move. So what would I advise in terms of what to do with her future income? Buy more ETFs or some high risk investments? Well first of all Yuna, thank you so much for your beautiful message. I am really honored that my book has been helpful to you and I'm so grateful that you're a part of our community and your story is really powerful. You've accomplished what many people twice your age are still striving for financial independence, a clear sense of purpose, a deep connection to your why. So I just want to start out by honoring that, by recognizing that, recognizing what you've built, especially given your family's journey and your own sacrifices, it's nothing short of extraordinary. Now to your question. You're in a fantastic position, stable government job, $300,000 in net worth, no debt, and a very strong motivation to grow your wealth to support yourself and your aging parents. You're maxing out your tax advantaged accounts. You're investing in the S&P 500 through ETFs, and you're being incredibly intentional. So what now? What's next? So a couple things to consider, none of which includes buying crypto or going into some wild high risk financial scheme, because what you've done so far proves is the way forward. So keep up with your core strategy of sticking with low fee diversified ETFs, especially for someone like you who wants growth without checking it every minute. Index funds, ETFs have historically performed well over time. Don't stop doing what's already working. Sometimes the smartest move is the boring one. You keep doing really well. Secondly, I would create a separate account for your parents, whatever money you want to have to support them that is on a different timeline than your retirement. Right? You're only 27, but your parents are close to 70. So the money that you're going to need on hand for them should not be in stocks, quite frankly, at least for the next five years that you may need to support them. I would carve out some of that, put it in a high yield savings account or something liquid, something that's not going to be penalized for withdrawing quote, unquote, quote early. I don't know about your Canadian funds, but in America, if you have a 401k plan, for example, or an IRA, which has tax advantages, the government really requires that you keep that in there until 59 and a half. You can take it out, but you'll face penalties and taxes. So I don't know if that's true with your current funds, with your current retirement portfolios, if you don't have anything other than that, that's just more liquid, like a brokerage account, a taxable account for your parents. I would think about setting that up. And again, they are not being too risky because you do want to have access to this money, any money that you need in the next five years to pay for anything. Don't be investing that money, especially right now. Volatility is unfortunately going to be sticking around for a while. So yeah, I'm not going to recommend cryptocurrency. I'm not going to talk about startup investing, although I would say there is room for that. But no, no more than 5% of your overall investment strateg should go to these high risk, highly volatile investment categories. I mean, I invest in art, but mostly because I love art and not because I'm looking to sell the art tomorrow. I've invested in a Broadway show. Not because again, I expect a huge return. That would be great. I think of it more as a philanthropic move because we all know the returns on these risky bets. There's a low chance, I mean, there's a low chance of a high return, but if you do get the high return, it's a very nice return. You can't retire on that. Right? You can't bet everything on that. So I think there's room for a little bit of sort of what I call gambling in your investment portfolio. But again, only if you've done all of these other things first, which it sounds like you are. I would stay the course. If there's extra money coming in and you want to be, you want to roll the dice a little bit more, fine. I won't tell you exactly how to do it, but I'm okay with 5% or less of your portfolio with these very higher risk, unpredictable investment strategies. And thank you so much again for being a part of our community. I can't express how grateful I am and I don't have a 27 year old daughter, but I can only hope that when my daughter is 27 that she's as successful and deeply committed to her family as you. And that's our show, everybody. Thanks for tuning in. I loved spending time with you today. I'll see you on Monday when we're gonna have Doct Judith Joseph on the show. She's going to talk about her new book called High Functioning Overcome youm Hidden Depression and Reclaim youm Joy. The book is forwarded by Mel Robbins. Ah, can't wait for that. I hope your weekend is so money.
- [33:05]
Fred
Hey, you know what would make your customer service help desk way better? Dumping it and then switching to intercom. But you're not quite ready to make that change. We get it. That's why fin, the world's leading AI customer service agent, is now available on every help desk. Fin can instantly resolve up to 80% of your tickets, which makes your customers happier and gets you off the customer service rep. Hiring Treadmill Fin by Intercom. The leading customer service AI agent now available on every help desk.
- [33:34]
Judith Joseph
They say opposites attract. That's why the Sleep Number Smart Bed is the best bed for couples. You can each choose what's right for you whenever you like. You like a bed that feels firm, but they want soft. Sleep Number does that. You want to sleep cooler while they like to feel warm. Sleep Number does that, too. Why choose a Sleep Number Smart bed so you can choose your ideal comfort on either side. Sleep Number Smart beds start at $999. Price is higher in Alaska and Hawai. Exclusively at a Sleep Number store near you. See store or sleepnumber.com for details.