Hey, this is your host Sam Zavary and im here doing my TMT ( Three Min Thursday ) format differently this time but the message is still the same, but in this episode, I talk bout how 2020 the year 2020 isn't over and we can start now to change our lives and to start new and hopefully, we also learn a lot with covid that anything can happen at any time and that why im so passionate about saving money because a rainy day will be coming and having a little help isn't a bad idea but please let me know how you feel about this topic, do you think the year 2020 was a lesson for all of us and could you explain thank you. You could have been listening to anything else but you decided to listen to make sh*t happen, now let's go out there and MAKE SH*T HAPPEN.