Dear Santa Before I Explain How Much Do You Know shirt

Myself andbusy person it’s hard like it’s reallyhard so I recently got married and myhusband moved in to where I was livingso we have two of everything so we’retrying to curate everything and you knowpick the best one we don’t need 28spoons right so we’ll get rid of half ofthem but I mean the people at Goodwillknow me now like I drop off stuffthey’re like hi how are ya but I justit’s like I I’m not making a Dear Santa Before I Explain How Much Do You Know shirt dent like Ijust I feel like so much stuff likemaybe I am a hoarder but I feel likeit’s not like it’s very hard and you seethe benefits of relationship and evenyou know your impact on the environmentand your health and all of that so it’sgreat stuff but it’s like getting thereI know it’s not an end point but evenfeeling the progress I think is achallenge do you have any what whattypes of things in particular are achallenge you I mean you mentioned the28 spoons and well is there paperclutter is there photographs I meanphotographs booksmy husband has 500 DVDs and CDs he’s amusic fan which is wonderful he had allthe. All of themfrom Spira media and Josh and Ryan andeverybody that’s on the teamSean Harding and Matt Dave Ella we alllike read books by all these people thatare involved in the film and I’m likeI’m so excited to see like what thosequestions are and how they went becauseit’s just like they really I mean theyreally dug deep and found like thereally really good people that know alot about these topics and it’s I meanit’s gonna be really fascinating andwhat’s really cool is the minimalistpodcast just released today and I postedthe like I posted when there was a newessay so last night at like 12 30 I gotonline to post in USA for the minimalistlike oh my gosh they’re releasing someof the bonus footage on their podcast soI think it’s uh I I don’t know what theURL is but the minimalist most recentpodcast it’s titled minimalism you cango there and you can listen to that someof that bonus footage well now I’ve gotsomething oh I feel finished recordingit’s quite bad but I wouldI would love to just sit and watch theexcel footage. Kind of yucky it’s another reasonthat I use an online firm likebetterment is the fees are pretty darnclose to zero your average broker localbroker is gonna charge you about 300basis points which is 3 a lot of onlinefirms gonna charge you about 15 basispoints so 15 versus 300 basis points andit’s because they eliminate a lot of thethe middlemen so to speak and last theother thing you shouldn’t you should notinvest in or are just low interestyielding investments if you’re investingfor greater than five years then lowinterest yielding investments such asCDs saving accounts individual bonds andthings like that they’re poorinvestments because the interest earnusually it doesn’t outpace inflation butyeah sometimes bonds or just a savingsaccount or whatever they can be greatoptions if you’re going to to save forfewer than five years if you want toreduce your your overall risk looks likeRyan I think we have one more questionhere all right our last question is fromReuben which debts do you view asjustified and which are

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