KT

We have so many family members and friends and lawyers and professionals that first, Susie and I, when we met each other, we made... I think it was our office manager, our successor trustee.

Then it turned into a family member.

Then it turned into, should we go?

Because we became more and more complicated with our trust and our assets and our life.

We didn't want them to, we didn't want to worry them.

Yeah.

Okay.

This next one is from Jordan.

Jordan has a home loan question, but this is how he's opening.

He said, hi, Katie and Susie.

First, a huge thank you.

I picked up a copy of the money book for the young, fabulous and broke 15 years ago.

It completely changed the trajectory of my financial life.

I am endlessly grateful.

So Jordan, you must 15 years ago, and if you followed that book, wow, you must be doing great.

He said, my husband and I bought a condo three years ago and have been anxiously waiting for interest rates to fall so that we could refinance a current rate of 6.75%.

Our mortgage broker suggested something called an all-in-one loan.

Ah.

Wait a minute, Susie.

I think sometimes referred to as a first lien mortgage.