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Ramsey Solutions is a paid, non-client promoter of participating pros. Learn more at ramseysolutions.com slash smartvestor.

Ramsey Solutions is a paid, non-client promoter of participating pros. Learn more at ramseysolutions.com slash smartvestor.

This message comes from Warby Parker. If you wear glasses, you know how hard it is to find the perfect pair. But step into a Warby Parker store and you'll see it doesn't have to be. Find a Warby Parker store near you at warbyparker.com.

This message comes from Warby Parker. If you wear glasses, you know how hard it is to find the perfect pair. But step into a Warby Parker store and you'll see it doesn't have to be. Find a Warby Parker store near you at warbyparker.com.

This message is brought to you by NPR sponsor, Shopify. It's 2025, a new year with new opportunities. The best time to start your new business is right now. Go to shopify.com slash NPR, all over case, to sign up for a $1 per month trial period today.

This message is brought to you by NPR sponsor, Shopify. It's 2025, a new year with new opportunities. The best time to start your new business is right now. Go to shopify.com slash NPR, all over case, to sign up for a $1 per month trial period today.

This message is brought to you by NPR sponsor, Shopify. It's 2025, a new year with new opportunities. The best time to start your new business is right now. Go to shopify.com slash NPR, all over case, to sign up for a $1 per month trial period today.

This message is brought to you by NPR sponsor, Shopify. It's 2025, a new year with new opportunities. The best time to start your new business is right now. Go to shopify.com slash NPR, all over case, to sign up for a $1 per month trial period today.

This message is brought to you by NPR sponsor, Shopify. It's 2025, a new year with new opportunities. The best time to start your new business is right now. Go to shopify.com slash NPR, all over case, to sign up for a $1 per month trial period today.

Support for this podcast and the following message come from Jetasa. Jetasa means the spirit of serving others. With over a decade of experience and over 1,500 clients across the U.S., Jetasa helps to provide nonprofits of all sizes manage their bookkeeping, accounting, taxes, and CFO services.

Support for this podcast and the following message come from Jetasa. Jetasa means the spirit of serving others. With over a decade of experience and over 1,500 clients across the U.S., Jetasa helps to provide nonprofits of all sizes manage their bookkeeping, accounting, taxes, and CFO services.

Support for this podcast and the following message come from Jetasa. Jetasa means the spirit of serving others. With over a decade of experience and over 1,500 clients across the U.S., Jetasa helps to provide nonprofits of all sizes manage their bookkeeping, accounting, taxes, and CFO services.

With customizable rates and fixed monthly costs that clients can afford, nonprofits can save time so they can focus on their missions in the spirit of serving others. Visit J-I-T-A-S-A dot com to learn more. This message comes from Warby Parker. If you wear glasses, you know how hard it is to find the perfect pair. But step into a Warby Parker store and you'll see it doesn't have to be.

With customizable rates and fixed monthly costs that clients can afford, nonprofits can save time so they can focus on their missions in the spirit of serving others. Visit J-I-T-A-S-A dot com to learn more. This message comes from Warby Parker. If you wear glasses, you know how hard it is to find the perfect pair. But step into a Warby Parker store and you'll see it doesn't have to be.

With customizable rates and fixed monthly costs that clients can afford, nonprofits can save time so they can focus on their missions in the spirit of serving others. Visit J-I-T-A-S-A dot com to learn more. This message comes from Warby Parker. If you wear glasses, you know how hard it is to find the perfect pair. But step into a Warby Parker store and you'll see it doesn't have to be.

Find a Warby Parker store near you at warbyparker.com slash retail.

Find a Warby Parker store near you at warbyparker.com slash retail.

Find a Warby Parker store near you at warbyparker.com slash retail.

Want to hear this podcast without sponsor breaks? Amazon Prime members can listen to Up First sponsor free through Amazon Music. Or you can also support NPR's vital journalism and get Up First Plus at plus.npr.org. That's plus.npr.org. This message comes from Lisa.

Want to hear this podcast without sponsor breaks? Amazon Prime members can listen to Up First sponsor free through Amazon Music. Or you can also support NPR's vital journalism and get Up First Plus at plus.npr.org. That's plus.npr.org. This message comes from Lisa.