Podcast
This Property Life Podcast
Hosted by This Property Life · EN
This Property Life is the podcast that cuts through the noise in the property world.
Hosted by Sarah and Nick, we share honest conversations, real-life stories, and practical insights from active investors across the UK. Whether you're starting out or scaling up, you'll find inspiration, knowledge and community here—without the hype.
🎙️Weekly episodes
🏘️ Real investors, real journeys
💡 Actionable tips for every stage of your property journey
Want to connect with other investors in real life? Join the Community
Join our growing community with regular in-person & online networking events and exclusive online support. Find out more at www.thispropertylife.co.uk
The world of property investing can be incredibly rewarding—but it can also feel lonely, confusing, and overwhelming at times. Whether you're just starting out or deep into your journey, you’ve probably had moments where you wished you had someone to ask, a sounding board, or a place to stay informed and inspired.
That’s exactly why we created the This Property Life Community.
What Is the This Property Life Community?
It’s more than just a network. This is a space built by property investors, for property investors. A supportive, non-hypey, real-world community designed to help you grow your knowledge, connections, and confidence in all things property.
1. Monthly Online Meets, Networking and Expert-Led Content
Every month, join live networking featuring:
- Market updates, compliance, finance & what you MUST know as an investor
- Real investor case studies breaking down what’s working now
- Deep dives into trends impacting property
- Specialist panel guests leading networking rooms
- Open Q&A sessions where you can ask your burning questions
- Business Networking, success is a team sport.
Miss a network session? All sessions are recorded so you can watch on your schedule.
2. In-Person Networking Events
Discounted Membership ticket prices for in person events.
Meet the team and fellow investors face-to-face and do business with each other, help & inspire each other. These events feature:
- Inspiring guest speakers on topics like HMOs, finance, marketing, and development
- Ample time to build authentic relationships with like-minded people
No sales pitches — just genuine networking in a friendly, relaxed environment.
Locations alternate between the north and south.
3. Exclusive WhatsApp Community
Stay connected and supported 24/7 in our private WhatsApp group:
- Ask quick questions and get advice from peers and hosts
- Share wins and c...
23episodes
Episodes
Newest firstAll episodes
Why Most Property Investors Get Stuck After 1 Deal
Mar 2000:29:20Tap to summarizeHow to Build a Property Portfolio: Systems, Strategy, and MindsetIn this episode, Nick and Caroline Claydon distill the most common questions about property investing, sharing actionable insights on building a portfolio from scratch. Whether you're a beginner or looking to scale up, they break down the step-by-step process for achieving scale confidently.In this episode:The importance of systems in property investment successHow to get started, even with limited funds or experienceThe role of mindset shifts and strategic planningWhy focusing on cash flow and value-add strategies accelerates growthThe myth of needing massive cash reserves to succeedPractical tips on viewing habits, making offers, and managing emotionsHow starting small can lead to big portfolio milestones faster than you thinkTimestamps: 00:00 - Introduction and overview of the most common property questions 02:00 - Building big portfolios: the importance of systems and processes 04:30 - How to start with limited funds: insights from Robert Kiyosaki's principles 06:45 - The power of creative deal structuring and deal analysis 09:00 - The BRRR system explained: buy, renovate, refinance, repeat 11:15 - Breaking down big goals into achievable weekly and monthly targets 13:30 - The significance of zoning in property value and cash flow 15:00 - The importance of viewing habits: how many viewings and offers are needed 17:00 - Overcoming the fear of rejection and emotional investment 19:00 - The mindset shift: from emotional buying to transactional decision-making 21:00 - Growing confidence through knowledge and repeatability of systems 23:00 - How to get started today: contact your local agents, view properties, make offers 25:00 - The critical role of understanding your numbers and focus areas 27:00 - The dangers of analysis paralysis and YouTube rabbit holes 28:15 - Connecting with motivated investors and communities 29:00 - Final thoughts and encouragement to start small, scale fastResources & Links:Rich Dad Poor Dad by Robert KiyosakiIncrease Your Financial IQ by Robert KiyosakiProperty Wealth ClubBRRR Strategy ExplainedProperty Investment Networking EventsConnect with Nick & Caroline:Caroline Claydon - InstagramFinal Note:The key takeaway is that property investing isn't about massive cash reserves or complex knowledge; it’s about applying systems consistently, understanding your numbers, and taking decisive action. Start with a small deal, learn the process, and scale from there. Success is built step by step, with strategy and discipline at the core. Hosted on Acast. See acast.com/privacy for more information.
Transcribe →What Assets to Own in an AI Economy
Mar 1100:33:36Tap to summarizeThe Impact of Artificial Intelligence on Property Investing and OwnershipIn this episode, Nick and Caroline Claydon explore how artificial intelligence is transforming the property industry and what investors need to do to stay ahead. They emphasise the urgency of adapting now and share actionable insights on leveraging AI for property management, investment strategies, and economic shifts.In this episode:The rapid advancement and integration of AI in property and broader industriesHow AI is displacing white-collar jobs and what this means for mortgage lendingThe importance of ownership in a world of automation and job displacementOpportunities in social housing, supported living, and rental markets amidst AI-driven changeThe potential for technology stocks and infrastructure companies to benefit from AI growthThe decline of traditional roles like letting agents and how AI can optimize property managementThe importance of taking control of your investments and assets in uncertain timesThe cultural and philosophical impacts of AI, including human purpose and societal shiftsPractical steps: investing in property under £100k, diversifying, and moving towards automationThe necessity of mindset shift: facing reality and acting decisivelyTimestamps:00:00 - The massive opportunities and challenges AI presents to property investors 02:15 - AI's impact on jobs and the importance of owning assets 03:25 - How AI enhances analytics and profitability in property management 04:38 - The urgency for investors to act now, not in the future 07:02 - Breakthroughs in AI-driven healthcare and their implications for society 08:54 - Historical parallels: Job displacement from the industrial revolution to AI 09:47 - Risks of a potential property market collapse due to job loss and market confidence 11:24 - Investing in tech companies leading AI development for future gains 13:33 - Strategic property investing: social housing, supported living, and affordability 15:06 - The lack of government preparedness and the importance of self-reliance 17:04 - How rents and demand are moving in favor of owners, especially in rental sectors 19:46 - Managing properties more efficiently with AI and reducing reliance on traditional agents 23:23 - Optimizing portfolios and taking ownership through automation and AI tools 26:39 - The philosophical dilemma: What humans will do when work becomes unnecessary 28:37 - Preparing for the future: pivoting to different property sectors and sectors resilient to AI 30:06 - The new wave of agentic AI: tasks and businesses AI can now create 32:07 - How property investors can start integrating AI and embracing technological changeResources & Links:The Future of Work and AI (Book) (search for relevant titles)ChatGPT by OpenAI[Elon Musk Tesla & Neuralink](https://www.tesla.com/ | https://neuralink.com/)Supporting social housing & supported living insightsAI in healthcare innovationsProperty Wealth ClubConnect with Nick & Caroline:Instagram -carolineclaydon.propertyLinkedIn - Nick ClaydonLinkedIn - Caroline ClaydonProperty Wealth Club Hosted on Acast. See acast.com/privacy for more information.
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Deal Analysis Insights
Feb 2000:28:46Tap to summarizeIn this episode, Caroline and Nick Claydon break down the essential skills needed for effective deal analysis. They focus on how to evaluate investment properties realistically, highlighting common pitfalls and strategic considerations that can make or break your returns.In this episode:How to assess typical property deals brought by new investorsThe importance of realistic cost and income calculationsCase study comparison: flats vs houses in different locationsThe impact of management, operating costs, and tenant turnover on cash flowWhy scaling your property portfolio reduces risk and enhances returnsLong-term investment strategies versus short-term hassle-free optionsThe value of proper tenant vetting and risk managementHow to identify more profitable markets like houses in regional townsThe significance of ROI, stress testing, and refinancing for growthTimestamps:00:00 - Why deal analysis is crucial for property success00:32 - Typical deals from beginner investors and common errors01:12 - What makes a rental deal financially sound or weak?01:39 - The influence of location on property analysis (Bedford example)02:28 - Flat example: purchase price, rent, and initial assumptions03:11 - The importance of managing builder and refurbishment costs04:08 - Calculating mortgage, deposits, and stress testing interest rates05:22 - Breaking down monthly cash flow: rent, mortgage, management, and operating costs06:32 - Managing service charges, void periods and tenant turnover07:41 - ROI calculation and assessing capital efficiency08:34 - Why initial surface appearances can be misleading (city flats vs houses)09:02 - Long-term tenant profiles and vacancy risks10:09 - The impact of tenant mobility on cash flow and costs11:40 - Hidden costs in letting agents’ fees and maintaining properties13:04 - Alternative investment options: houses in regional areas15:19 - How to negotiate house purchases below market value16:04 - Rental yields on houses and the importance of refurb costs17:09 - Calculating cash flow for houses and the significance of yield18:53 - ROI comparison: houses versus flats and scaling your portfolio20:01 - The advantage of diversification and long-term growth strategies22:07 - Why scaling and multiple properties are vital for risk reduction23:07 - The importance of tenant vetting and avoiding nightmare tenants24:19 - How professional investors think differently about property risk25:41 - The value of properties that generate stable, long-term income26:39 - Rents rising and interest rate locks—long-term buy-to-let outlook27:17 - Future episodes focus on the depth of deal analysis and scaling strategiesResources & Links:Property Wealth Club Amazon - "The No Nonsense Guide To Property Investing"Instagram - carolineclaydon.propertyTikTok - Caroline ClaydonConnect with the hosts:Caroline Claydon - Instagram | TikTokNick Claydon - LinkedInThis episode emphasises that achieving strong property returns involves realistic assessment, strategic scaling, and understanding tenant dynamics. Whether you're new or experienced, these insights help shift your perspective towards more sustainable, long-term property wealth building. Hosted on Acast. See acast.com/privacy for more information.
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Don't Leave! Why the Best BTL Opportunities Are Still In The UK
Feb 1100:25:13Tap to summarizeSummaryIn this episode of The Property Life podcast, Caroline and Nick Claydon discuss the increasing trend of people leaving the UK for more tax-efficient locations, particularly Dubai. They explore the reasons behind this migration, including the perception of the UK as a challenging environment for entrepreneurs and the growing desire for flexibility in living arrangements. The conversation also touches on the opportunities that remain in the UK property market, the importance of family considerations in relocation decisions, and the potential for growth in the social housing sector. Ultimately, the couple reflects on their own decision to stay in the UK for now, while remaining open to future possibilities.KeywordsUK migration, tax efficiency, property investment, Dubai, entrepreneurship, economic challenges, social housing, future planning, family decisions, property marketTakeawaysMany people are leaving the UK for more tax-efficient locations.The perception of the UK as a difficult place for business is growing.Dubai is seen as an attractive option for property investment.The UK government is perceived as not supporting entrepreneurs.The population's desire to rent is increasing, creating opportunities for landlords.Political chaos in the UK may lead to more opportunities for those who stay.The importance of considering family implications when relocating.Investors are looking for long-term opportunities despite current challenges.The social housing sector is expected to grow in the future.Future planning is essential for adapting to changing circumstances.Chapters00:00 The Great Migration: Why People Are Leaving the UK09:02 Exploring Opportunities Abroad: The Case for Dubai17:55 Staying Put: The Decision to Remain in the UK23:46 Future Plans and Business Ventures Hosted on Acast. See acast.com/privacy for more information.
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Why The 1% Rule Of Property Investing Is Your Blueprint For Success
Feb 400:23:42Tap to summarizeIn this episode of 'This Property Life', hosts Nick and Caroline Claydon delve into the 1% rule of property investment, a crucial guideline for investors to ensure they are making sound financial decisions. They explain how the rule serves as a sense check for determining whether a property is worth pursuing based on its rental income relative to its purchase price. The conversation covers practical applications of the rule, real-life examples, and the importance of understanding property types and locations. They also discuss the limitations of the 1% rule, particularly in relation to more advanced investment strategies, and emphasize the need for a mindset shift from focusing on purchase prices to rental income. The episode concludes with insights on scaling property investments and the significance of buying at a discount to maximize cash flow.Keywords1% rule, property investment, cash flow, buy to let, rental income, property types, investment strategy, yield, ROI, property marketTakeawaysThe 1% rule is a crucial tool for property investors.Monthly rent should equal about 1% of the purchase price.The rule helps prevent overpaying for properties.Understanding property types is essential for investment success.Investing in areas outside your immediate location can yield better results.The 1% rule is not applicable for advanced strategies like HMOs.Scaling investments is important for building a portfolio.Focus on rental income rather than purchase price.Buying at a discount allows for added value and cash flow.The numbers in property investment are black and white.Sound Bites"The 1% rule is a fail-safe tool.""It stops you overpaying.""Invest not near you."🔗 Next StepsIf you enjoyed this episode and want to go deeper:👉 Explore more episodes of This Property Life👉 Join our free training and resources at Property Wealth System👉 Follow us for upcoming webinars and live sessionsChapters00:00 Understanding the 1% Rule and why professional investprs use it05:05 How to Apply the 1% Rule Using Rightmove10:02 Real Time Area and Property Analysis14:11 Limitations of the 1% Rule17:49 Investing Beyond Your Local Market21:08 Conclusion and Future Insights Hosted on Acast. See acast.com/privacy for more information.
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5 Mistakes Millennials Are Making in Property Investing
Feb 300:22:53Tap to summarizeIn this episode of This Property Life, Nick is joined by Sarah to unpack one of the most talked-about stories in UK property right now — the idea that the housing market is “broken”, landlords are leaving in droves… and yet, millennials are becoming the fastest-growing group of new landlords.Following recent media coverage (including a Panorama episode and reporting in the Telegraph), we dig into what’s really happening behind the headlines — and why the reality on the ground looks very different from the narrative being pushed.This is an honest, data-led conversation about where the UK property market is heading, who’s still investing, and what today’s investors need to understand if they want to succeed long-term.🔍 In This Episode, We Cover:Why millennials are now the largest group of new landlords in the UKWhat the media often gets wrong about buy-to-let and property investorsHow today’s investors are approaching property very differently from previous generationsWhy limited companies, strategy and cashflow matter more than everThe real impact of regulation, tax and interest ratesWhat the “professionalisation” of property investment actually looks likeWhether buy-to-let is really dead — or just evolvingWhat this means for anyone considering investing in 2025 and beyond🧠 Key TakeawayThe property market isn’t broken — the old way of investing is.The investors who are still succeeding are:Strategic, not speculativeFocused on numbers, not hypeWilling to adapt to a changing marketBuilding long-term, sustainable portfoliosAnd increasingly, they’re doing it younger and smarter than ever before.🎯 Why This Episode MattersThere’s a huge amount of noise around property right now.This episode cuts through it.If you’re:Thinking about getting startedAlready investing but feeling uncertainWondering whether property still stacks upOr trying to make sense of conflicting media headlines…this conversation will help you see the bigger picture.🔗 Next StepsIf you enjoyed this episode and want to go deeper:👉 Explore more episodes of This Property Life👉 Join our free training and resources at Property Wealth System👉 Follow us for upcoming webinars and live sessionsChapters00:00 Welcome to This Property Life Brought To You By Property Wealth Club01:30 Are The Millennials and Gen Z Really Taking Over?03:21 How Has The Buy To Let Landscape Changed?07:59 What Is Driving The Millennial's Change In Mindset?12:20 Common Mistakes Millennials Make in Property Investment18:59 Aligning Property Investment with Life Goals20:41 Conclusion: A Professional Approach Is Key To Success22:42 Subscribe Here Hosted on Acast. See acast.com/privacy for more information.
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This Mum Balances a Demanding Job, Autism Parenting, and Passive Property Income with Esther Smith
Jan 700:52:15Tap to summarizeReady to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Esther Smith, a successful property investor, corporate contractor, and busy parent. Together with her husband Mark, Esther has built a portfolio of HMOs leased to supported living providers such as Serco. The conversation explores how to strategically balance property investing with a demanding career and family life, and dives into the practicalities and pitfalls of the supported housing model.Esther Smith is a contractor in the corporate world and a mother of young children, one of whom has autism. Esther brings a realistic, no-frills perspective to property investing, blending analytical skills, financial forecasting, and an acute awareness of social needs to build a portfolio with both purpose and profit.What You'll Learn:Why supported living HMOs can be a smart long-term investment strategyThe real timelines and work involved before a property begins cash flowingHow to manage property investing alongside a demanding job and family lifeTips on working with providers like Serco and handling bureaucratic challengesThe importance of aligning investment strategies with personal and family goalsTimestamps[00:00] – Introduction to the Episode[02:18] – Why Esther chose property investing alongside a corporate career[04:32] – Transitioning to HMOs and choosing supported living as a strategy[06:08] – Challenges of property management and moving outside London[08:31] – The importance of patience and persistence in property[11:15] – The true timeline to cash flow a supported living HMO[19:30] – What to expect during refurb and compliance processes[26:24] – Lease signing: navigating Serco’s contracts and requirements[32:28] – Lending, insurance, and operational costs: myth vs reality[42:01] – Long-term goals, charitable aspirations, and future plans[47:37] – Wrapping up: advice on staying focused and aligned with your goals[51:37] – Where to connect with Esther SmithThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Esther Smith Socials:LinkedIn: https://www.linkedin.com/in/esthersmith1Website: https://espeopleandchange.com/Follow Sarah Blaney Socials:LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/ Facebook: https://www.facebook.com/sarah.blaney.1232Instagram: https://www.instagram.com/sarah.in.property/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylifeYouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.
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Property Investing near Home for UK Developers to Scale with Flips and HMOs with Jake Colwill
Dec 1700:34:37Tap to summarizeReady to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Jake Colwill, an experienced property investor and developer based in Bristol. Jake shares how he and his partner Lucy have built a smart, sustainable property business by flipping properties to generate capital, which they then reinvest into high-quality HMOs in premium southern markets. What You'll Learn:How flipping properties can fuel long-term investment in high-value areas.Why Jake and Lucy focus on tight geographic areas and niche property types.Smart strategies for sourcing off-market deals through relationships and persistence.The mechanics of high-end HMO investing in Article 4 areas, including planning and valuation tips.How to build and maintain a scalable, sustainable property business with clear strategic focus.Timestamps[02:39] - The Origins of Their Strategy[06:03] - Freehold Blocks and Title Splits[09:22] - Sourcing Off-Market Deals[16:02] - Structuring Their Business[19:01] - What Makes a Premium HMO[22:01] - Valuations: Commercial vs. Bricks & Mortar[24:37] - Hold Strategy and Long-Term Thinking[27:36] - Building Momentum Through Niching[30:29] - Final Thoughts and Resilience in PropertyThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Jake Colwill Socials:LinkedIn: https://www.linkedin.com/in/jake-colwill-1279b9104/?originalSubdomain=ukInstagram: https://www.instagram.com/jake_colwill/LinkedIn (Company): https://www.linkedin.com/company/innova-property/Website (Company): https://www.innova-property.com/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.
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Stop Blaming Landlords for the Housing Crisis for Property Owners with Wendy Whittaker
Dec 1000:53:59Tap to summarizeReady to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney is joined by property expert Wendy Whitaker-Large to tackle a provocative and controversial question: Are landlords responsible for the housing crisis? Wendy offers a balanced and experience-led take as they explore key topics such as supply planning, government policy, investor behavior, and what’s really driving the shortage of homes in the UK. What You'll Learn:The debate around secondhand properties and how landlords help refurbish homes.How the media's London-centric perspective distorts the national housing debate.How the Thatcher-era "Right to Buy" policy contributed to the current shortage of affordable homes.The role of small builders in helping to alleviate this crisis, compared to large national developers.A discussion about the government's reliance on private landlords for social housing.Timestamps[01:04] - Introduction of Wendy Whitaker[02:28] - Secondhand Properties & Landlord Refurbishments[06:05] - Media's London Focus[08:09] - Home Ownership and Affordability[12:30] - Right to Buy & Housing Shortage[16:56] - Government Debt & Economic Challenges[21:23] - Small Builders vs. Large Developers[31:19] - Government's Reliance on Private Landlords[40:58] - Renters’ Rights Bill Impact[50:46] - Conclusion and Final ThoughtsThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Wendy Whittaker Socials:LinkedIn: https://www.linkedin.com/m/in/wendy-whittaker-largeWebsite: https://www.wendywl.uk/Facebook: https://www.facebook.com/wendywlarge/Instagram: https://www.instagram.com/wendy_whittakerlarge/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.
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The Property Finance Survival Tactics for UK Developers in the 2025 Market with Michael Dean
Dec 300:47:32Tap to summarizeReady to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Michael Dean, co-founder of Avamore Capital, about the current challenges facing UK property developers. What You'll Learn:Why do smaller and mid-sized developers have more room for creative deal structuringThe importance of flexibility and negotiation when working with landownersWhat funders are really looking for in today’s marketHow to identify the right landowners for JV or deferred payment dealsStrategies to stay resilient and invest smartly in a challenging property climateTimestamps[02:34] - Michael’s Background[05:36] - Build Cost Inflation, Slow Sales, And Landowner Expectations[09:00] - Why Small-To-Mid Deals Offer More Flexibility[14:38] - Deferred Payments, Overage, Jv Agreements[21:49] - Finding The Right Landowners: Motivated & Pressurised Sellers[29:44] - Operator Vs. Discretionary Developer Mentality[34:24] - Outlook On Interest Rates And The Market Bottom[42:42] - Political Risks And Budget Speculations[45:27] - Final Thoughts & Getting In TouchThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Michael Dean Socials:LinkedIn: https://www.linkedin.com/in/propertyfunder/Instagram: https://www.instagram.com/property_funder/LinkedIn (Company): https://www.linkedin.com/company/avamore-capital/Instagram (Company): https://www.instagram.com/avamorecapital/Instagram (Podcast): https://www.instagram.com/thepfppodcast/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.
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