Unlock Your Wealth Today

Unlock Your Wealth Today

By Heather WagenhalsBusinessEntrepreneurshipInvesting
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Unlock Your Wealth Today episodes

  • 3 Money Money Must-Haves When Real Estate Investing
    3 Money Money Must-Haves When Real Estate Investing Unlock Your Wealth Starring Heather Wagenhals On today's episode Heather discusses homeownership and real estate investment eligibility. Housing markets have been on fire for sellers in many markets across America. You may have been thinking it is about time for you to get into homeownership or go to the next level and begin investing. Heather shares the three most important areas underwriters look at when determining mortgage affordability. DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment. Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by texting the word "CODE" to (602) 952-1113 now. Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free! If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ . Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you! Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Forget the Perfection Principle Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader Eagle Eye Opener WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    28 min
  • Mastering Money and Emotions at FreedomFest Featuring Dr. Joel Wade
    Dr. Joel Wade returns and joins Heather Wagenhals at the Unlock Your Wealth Remote Studios on Media Row in Mount Rushmore, South Dakota during FreedomFest. Dr. Wade explains the differences between emotions, moods and reactions and how we need to treat them separately for achieving mental well-being and happiness. Dr. Wade also introduces his new program on Mastering Emotions, Moods, and Reactions which can be found on his website at DrJoelWade.com. Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by texting the word "CODE" to (602) 952-1113 now. Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free! If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ . Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you! Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Remember Real Estate Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader Eagle Eye Opener WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    12 min
  • FreedomFest LIVE Featuring Top Market Analyst Jim Woods
    FreedomFest LIVE Featuring Top Market Analyst Jim Woods Unlock Your Wealth Starring Heather Wagenhals Jim Woods joins Heather Wagenhals as they broadcast live from the Unlock Your Wealth Remote Studios on Media Row in Mount Rushmore, South Dakota. As the pair discuss the world's largest gathering of Free Minds they discuss their talks, participating in the special events and networking opportunities including the Tenth Anniversary of the Anthem Film Festival. Heather also reveals her panel moderation of the Seven Keys to Finding Financial Freedom with the Godfather of Smart Beta Rob Arnott and long-time financial writer Gary Alexander and how you can receive her 9-page Financial Fire Escape Plan Checklist© for free by texting the word "CODE" to (602) 952-1113 Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free during our pre-launch phase!. If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ . Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you! Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Knowledge is Power, Not Knowing is Powerful Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    17 min
  • FTC Rejuvenation Refunds - Here's what you Need to Know
    Have you bought ReJuvenation "anti-everything that ails you" pills? You're not alone. Last year, the FTC reached a settlement agreement with makers of ReJuvenation and sent refund checks to people who bought this so-called "anti-aging" pill that claimed to be a cure-all for ailments including cell damage, heart attack damage, brain damage, and deafness. Here's what you need to know to claim your refund. From the FTC: It's easy to get your money. Just go to the Quantum Refunds page at ftc.gov/rejuvenation and follow the instructions for filling out a claim. The deadline for filing claims is August 31, 2021. The average refund check has been about $113 dollars. Once you get your check, deposit it right away since it will expire after 90 days. Also, please know that the only way these FTC refund checks will come to you is by postal mail. And you never have to pay to get a refund from the FTC. If someone contacts you and asks you to pay, or says they can help you get a refund, it's a scam — report it to the FTC. Tarra Jackson, aka Madam Money, is the author of two financial best-selling books, "Financial Fornication" and "4 Financial Languages: The Secret to Communicating About Money." She is a popular Personal Finance Expert Media Contributor, TV & Radio Personality, Spokesperson, Brand Ambassador, and award winning International Speaker.She is a dear friend and past show guest with multiple appearances, and I am thrilled to be speaking on her platform once again. Tarra is the founder of DualPreneur and the SideGigCon.com Conference for those starting or growing their sidegig's. *********** I'm speaking live at the virtual expo SideGigCon. If you'd like to join me and watch my Keynote on, "Turning Everyday Actions into Achievements" just visit http://SideGigCon.com *********** Plus I discuss my favorite holiday, @TheFreedomFest. The world's largest gathering of Free Minds in Mount Rushmore, South Dakota runs July 21-24. Join Jim Woods and me as we broadcast live from the Unlock Your Wealth Remote Studios on Media Row, attend our talks, participate in the special events and networking opportunities including the Tenth Anniversary of the Anthem Film Festival. Get $50 off your ticket to the largest liberty and economic conference in the world http://UnlockYourWealth.com/freedomfest to claim your discount code now. Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free during our pre-launch phase!. ********** If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ . Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you! Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Dreams With Deadlines Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now!
    18 min
  • Inflation Fears Addressed Plus FreedomFest Featuring Jim Woods
    Our new Season 13 kicks off once again with Top Market Analyst and Quarterly Guest Host, Jim Woods. Join us for today's episode as we recap the last financial quarter and Jim shares his insight regarding possible inflation fears becoming a reality, and when. Plus we discuss our favorite holiday, FreedomFest. The world's largest gathering of Free Minds in Mount Rushmore, South Dakota runs July 21-24. Join Jim and me as we broadcast live from the Unlock Your Wealth Remote Studios on Media Row, attend our talks, participate in the special events and networking opportunities including the Tenth Anniversary of the Anthem Film Festival. Get $50 off your ticket to the largest liberty and economic conference in the world http://UnlockYourWealth.com/freedomfest to claim your discount code now. Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free during our pre-launch phase!. Heather is speaking live at the virtual expo SideGigCon. If you'd like to join her and watch her Keynote on, "Turning Actions into Achievements" just visit http://SideGigCon.com If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ . Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you! Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Take Action Make Assessment Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    23 min
  • Discover the Most Important Secret to Building Wealth
    Discover the Most Important Secret to Building Wealth Unlock Your Wealth Today Starring Heather Wagenhals Money management can happen in a variety of different ways with different strategies, tactics and software. However, building wealth has a few specific secrets. This episode, Heather details the most important wealth building secret she believes dominates all the others and how it ties in to this week's final Key in the Keys to Riches© Financial Philosophy as we close out Season 12. The final key in our Keys to Riches© Financial Philosophy this week is: Become a Voracious Reader Today Heather shares why reading benefits the brain and your critical thinking skills as well as your wealth. And in some of the most unlikely fiction genres as well. *Learn how reading impacts the neural pathways *Learn why we don't remember everything we read *Learn a significant difference between real and imagined experiences *So much more Want this week's free strategy? Claim your free copy of Heather's Keys to Riches© Financial Fire Escape Plan by visiting CrackingYourMoneyCode.com now and join our exclusive VIP community for free during our pre-launch phase!. Heather is speaking live at the virtual expo SideGigCon. If you'd like to join her and watch her Keynote on, "clearing the path for success" just visit http://SideGigCon.com Heather is speaking live at FreedomFest 2021 and to get $50 off your ticket to the largest liberty and economic conference in the world and attend FreedomFest July 21-24th, just visit http://UnlockYourWealth.com/freedomfest to claim your discount code now. Join Heather, Drew Pinsky, JP Sears, Larry Elder, Dave Rubin, Ayaan Hirsi Ali, Steve Forbes, Dr. Mark Skousen, Carla Gericke, Rich Checkan, and Top Market Analyst Way of the RenaissanceMan Jim Woods and many more. Great panels, speeches, entertainment activities and the Anthem Film Festival. If you like to learn more about how Friends of Freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ . Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you! Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Acceptance and Affirmation Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    29 min
  • Personal Finance, Family and First Responders LIVE June 12th
    Join me, Heather Wagenhals, LIVE in Goodyear, Arizona, for a special presentation at the Glitter and Guns event. This evening will benefit the Arizona State Troopers Association and affiliated charities Saturday, June 12, 2021. Law enforcement is a challenging and rewarding profession. In the Arizona State Troopers Association, over 60% of the workforce is female. For one night, these women of law enforcement and their supporting friends and family gather together to enjoy a night out for the girls, a great dinner, and the opportunity to make new connections and learn from the different sponsors and presenters. This is all done to support the charities that the Arizona State Troopers Association funds. If you want to learn more about blending successful personal finance, family management, and working a job with purpose please join us over dinner. Financial freedom is achievable, and veterans and first responders have their own particular challenges with successful money management. This evening will be an opportunity to identify those financial hurdles and learn how to successfully overcome them. Thus, allowing our veterans and first responders to create financial freedom for themselves and their families while risking their lives every day to protect ours. Additionally, I will be speaking about the great work we do at Friends of Freedom USA. I am grateful to be serving on their board of directors. The mission, Empowering Those Who Serve© by helping veterans and first responders transition from service to civilian life successfully. This will be an exciting summer of speaking engagements all across America. I am thrilled to be kicking off my summer speaking season with hometown heroes at the Glitter & Guns event to benefit Arizona State Troopers Association. For more information about the Association, just visit their website at https://aztroopers.org . If you like to learn more about how friends of freedom USA serves veterans and first responders, please visit their website at https://FriendsOfFreedomUSA.org/ . And to get $50 off your ticket to the largest liberty and economic conference in the world and attend FreedomFest July 21-24th, just visit http://UnlockYourWealth.com/freedomfest to claim your discount code now.
    0 min
  • Financial Failure is Likely if you Don't do This one Thing
    It's the Sixth Key in the Keys To Riches© Financial Philosophy, Hope for the Best, Plan for the Worst Successful money management is simple when you know what you should be doing. Today, Heather shares the one thing you must avoid in order to achieve financial freedom. On today's episode:
    • Heather explains why we must manage our money with her Biology-Based Approach to Success©
    • Heather describes how our biology gets in the way of effective decision-making.
    • Heather shares what must occur in order to congruently pursue your goals financially.
    Tune in to learn how you can create your Plan B for successful goal achievement now! Remember to bookmark this show and share it in your stories, feed, or timeline. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you! Visit the website now and claim your FREE strategy for this week's Key and join our exclusive VIP community for free during our pre-launch phase! UnlockYourWealthToday.com Welcome to our newest sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Break the Budget Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    16 min
  • Why Building Wealth is More Than Mindset
    Why Building Wealth is More Than Mindset Unlock Your Wealth Today Starring Heather Wagenhals It's the Fifth Key in the Keys To Riches© Financial Philosophy, Take Emotion out of the Picture. Successful money management is simple when you know what you should be doing. Today, Heather shares why building wealth is more than a mindset as she explains her biology-based approach to success. On today's episode:
    • Heather explains why a positive money mindset is not enough.
    • Heather describes how our biology gets in the way of effective decision-making.
    • Heather shares what must occur in order to congruently pursue your goals financially.
    Tune in to learn how you can develop more than a money mindset for successful goal achievement now! Visit the website now and claim your FREE strategy for this week's Key and join our exclusive VIP community for free during our pre-launch phase! UnlockYourWealthToday.com Welcome to our newest sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Hope for the Best, Plan for the Worst Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    17 min
  • The Keys to Riches© Three/Five Financial Strategy Part Two
    The Keys to Riches© Three/Five Financial Strategy Part Two Unlock Your Wealth Today Starring Heather Wagenhals It's the Fourth Key in the Keys To Riches© Financial Philosophy, Knowledge is Power, Not Knowing is Powerful. Successful money management is simple when you know what you should be doing with it. Today, Heather reviews what the different areas of concern you need to address for effective money management with the second part of her 3/5 Financial Strategy©. On today's episode:
    • Heather details what the five areas of concern are for every person, and why they are important.
    • Heather shares how you can further refine your 3/5 based on your age, history, and relevance of each area of concern.
    • Heather shares another resource for effective delegation of certain areas for building wealth successfully.
    Tune in to learn how you can address the five areas of concern for successful goal achievement now! Visit the website now and claim your FREE strategy for this week's Key and join our exclusive VIP community for free during our pre-launch phase! UnlockYourWealthToday.com Welcome to our newest sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Take Emotion out of the Picture Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions! For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complimentary resource she offers. FREE is GOOD! Do it now! Jim Woods' Newsletter Advisory Services Websites:* JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com Also Check Out: MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!
    29 min

About Unlock Your Wealth Today

From the publisher's feed

Tune to watch Best Selling Author, Award Winning Speaker, and Biology-based Success Architect Heather Wagenhals interview the hottest minds in productivity, entrepreneurship, budgeting, personal…