Afford Anything | Make Smart Money Choices

The Real Reasons People Make Bad Investment Decisions, with Finance Professor Meir Statman

26 Jul 2024

Contributed by Lukas

#526: Recorded LIVE on stage at the Morningstar Conference in Chicago! We chat with behavioral finance professor Meir Statman. He breaks down the diff...

Michael Kitces: Is the Economy Worse Than We Think?

23 Jul 2024

Contributed by Lukas

#525: We chat with renowned financial advisor Michael Kitces at the Morningstar Investor Conference in Chicago. Kitces answers a big question: Is the...

Q&A: Don’t Waste Your Inheritance! Here’s How

19 Jul 2024

Contributed by Lukas

#524: Mark and his partner will soon inherit an IRA worth over a quarter million dollars. With today’s elevated interest rates, would throwing it al...

The Power of Deep Work, with Google’s Productivity Expert Laura Mae Martin

16 Jul 2024

Contributed by Lukas

#523: How much is an hour of your time worth? Google's Executive Productivity Advisor , Laura Mae Martin, joins us to answer that question. Learn more...

Q&A: Help! I’m STUCK On A Financial Tracking Hamster Wheel

12 Jul 2024

Contributed by Lukas

#522: Emily Anne is worried about her obsessive tracking behavior. She’s in great financial shape but struggles to shake the constant compulsion to ...

Behind-the-Scenes with Paula and Joe

10 Jul 2024

Contributed by Lukas

#521: If you're a longtime listener, you'll enjoy this candid, behind-the-scenes conversation about entrepreneurship and growth between Paula Pant and...

How The Supreme Court's Chevron Ruling Could Impact Retirement

05 Jul 2024

Contributed by Lukas

#520: Happy 248th birthday, USA! In this 5th of July First Friday economic update, we cover five topics: the economic impact of elections in the UK; ...

Jim Kwik: Secrets to a Smarter Brain

03 Jul 2024

Contributed by Lukas

#519: We sit down with Jim Kwik, a brain coach and expert in memory improvement, speed reading, and optimal learning. As a child, Jim suffered a brai...

Rachel Rodgers: The Million Dollar Mindset

28 Jun 2024

Contributed by Lukas

#518: If you want to learn about building wealth through entrepreneurship, you’ll enjoy this episode. When Rachel Rodgers graduated from law school,...

Should I Raid My Retirement Plan to Buy Real Estate? 

26 Jun 2024

Contributed by Lukas

#517: Kimiko is dismayed that the asset allocation books she’s read led her down a path to an underperforming portfolio heavy in ex-US stock investm...

Dr. Brian Klaas: The Secret to Financial Resilience

21 Jun 2024

Contributed by Lukas

#516: Have you ever wondered how small, seemingly insignificant actions can have massive impacts on your financial life?  In today's episode, we talk...

Q&A: Sell Your Home or Stay Put?

18 Jun 2024

Contributed by Lukas

Jessica and her husband are juggling two home sales and one home purchase within the next two to four years. How do they execute wisely while navigati...

Why the Latest Economic Report is a Rorschach Test

14 Jun 2024

Contributed by Lukas

#514: The S&P 500 hit a record high — and the GameStop guy is back, and he now owns 9 million shares of GME, making him the 4th largest shareholder....

Bachelorette Star Jason Tartick: The Truth About Financial Infidelity

11 Jun 2024

Contributed by Lukas

#513: Jason Tartick, a former banker and TV star from The Bachelorette, discusses finances in relationships. He describes eight crucial questions abou...

Don't Let One Big Bill Blow Up Your Budget (Here's How)

07 Jun 2024

Contributed by Lukas

#512: An anonymous caller who received a large inheritance feels paralyzed by all the investment philosophies he’s read about. How does he pick a wi...

Q&A: "I'm Scared of Running Out of Money in Retirement!"

04 Jun 2024

Contributed by Lukas

#511: Sara is five years from retirement with a paid-off house. But she’s worried that her money will run out before she turns 80. What does she nee...

How to Master the Psychology of Persuasion, with Michael McQueen

31 May 2024

Contributed by Lukas

#510: Maybe you’re trying to convince: – Your spouse | to embrace the FIRE movement. – Your teenage kids | to invest some of their summer job mo...

I’m Retiring at Age 34 and a Half!

28 May 2024

Contributed by Lukas

#509: Rob wants to retire early, but a real estate investment led to $30,000 of credit card debt. Should he take on more debt to pay it off? An anony...

Stanford Researcher Dr. Mary Murphy on How to Cultivate a Growth Mindset

24 May 2024

Contributed by Lukas

#508: Recently I chatted with Stanford researcher Dr. Mary Murphy, a renowned expert in the field of psychological and brain sciences. Dr. Murphy, wh...

How One Ex-Inmate is Building a Better Future

21 May 2024

Contributed by Lukas

#507: Robert was recently released from prison and wants to start his life on the right foot. What’s Joe and Paula’s advice for him? Suzy is exci...

MadFientist: Life is Too Short to Wait for Someday

17 May 2024

Contributed by Lukas

#506: "Today's guest, Brandon Ganch, also known as the MadFientist, reached Financial Independence (FI) and quit his job as a software developer at 34...

Harvard Dropout Builds Nation’s First Car-Free Utopia, with Ryan Johnson and JD Roth

14 May 2024

Contributed by Lukas

#505: Ryan Johnson isn't your average CEO. He's a visionary reimagining city life, one car-free community at a time. In this episode, we chat with Rya...

The Points Guy: Growing a Side Hustle into a 140-Person Business

10 May 2024

Contributed by Lukas

#504: Brian Kelly faced a harsh reality during the Great Recession – $65,000 in income and crushing credit card debt.  He started a simple side hu...

Q&A: “My Husband is Not Reliable with Money. Should We Split Finances?

07 May 2024

Contributed by Lukas

#503: Lindsay’s husband struggles with a mental disability. She’s worried about the impact on her family’s finances. How does she maintain harmo...

Fed Keeps Interest Rates High; Jobs Grow for 40th Consecutive Month

03 May 2024

Contributed by Lukas

#502: The Fed met earlier this week and elected to keep interest rates at a 23-year high, in an effort to wrestle inflation closer to its two percent ...

Mic Drop! ChooseFI's Brad Barrett Interviews Paula Pant

01 May 2024

Contributed by Lukas

#501: Drop the mic! ChooseFI's Brad Barrett takes the host role in this special episode, interviewing Paula Pant about the financial independence comm...

LIVE EVENT Q&A: Episode 500, Part 2, with ChooseFI’s Brad Barrett

26 Apr 2024

Contributed by Lukas

Enjoy Part 2 of our two-part Episode 500 special, recorded live at a comedy club in Brooklyn. Host Paula Pant and special guest Brad Barrett from...

LIVE FROM BROOKLYN: Episode 500 with ChooseFI’s Brad Barrett

24 Apr 2024

Contributed by Lukas

Enjoy Part 1 of our two-part Episode 500 special, recorded live at a comedy club in Brooklyn. Brad Barrett, host of the ChooseFI podcast, joins us on ...

Vicki Robin: Financial Independence After 70 [GREATEST HITS WEEK]

19 Apr 2024

Contributed by Lukas

We delve into the world of Financial Independence (FI) with a pioneer -- Vicki Robin, the co-author of Your Money or Your Life. In the 1970s, Vicki R...

A.J. Jacobs: Habits, Health, and Human Connection [GREATEST HITS WEEK]

18 Apr 2024

Contributed by Lukas

Esquire Magazine editor-at-large and bestselling author A.J. Jacobs joins the show to discuss his experimental approach to life. Jacobs, whose TED Tal...

Michael Kitces: Investing in Stocks vs. Skills [GREATEST HITS WEEK]

17 Apr 2024

Contributed by Lukas

Stocks or skills? How should you invest? Should you pour money into unlocking your income potential? Or should you pour money into the market? Forget...

JL Collins: How to Beat Wall Street with a Boring Portfolio [GREATEST HITS WEEK]

16 Apr 2024

Contributed by Lukas

JL Collins, the author of "The Simple Path to Wealth," achieved financial independence in 1989 with a surprisingly simple strategy: saving half his in...

Jean Chatzky: The 50% Off Fallacy & Other Ways You're Sabotaging Your Savings [GREATEST HITS WEEK]

15 Apr 2024

Contributed by Lukas

Today’s guest is Jean Chatzky, financial editor for the TODAY Show, host of the HerMoney podcast and a frequent guest on TV shows like Oprah, Regis ...

Q&A: We Save $5,000 Per Month. Where Should We Invest It?

12 Apr 2024

Contributed by Lukas

#499: Eugene and his wife are retiring with a $10 million net worth and a guaranteed income that exceeds their annual budget. Do they still need thing...

Harvard Business Professor Explains Investing in NFTs

10 Apr 2024

Contributed by Lukas

#498: Financial literacy includes understanding NFTs, DeFi, and cryptocurrency. But it's hard to separate education from hype. Harvard Business Schoo...

Tribute to Dr. Daniel Kahneman, Who Won a Nobel in Economics Even Though He Never Took an Econ Class

06 Apr 2024

Contributed by Lukas

#497: Princeton Professor Daniel Kahneman never took an economics class. But he won the 2002 Nobel Prize in economics, thanks to his advancements in u...

The Pay Cut Price of Freedom

03 Apr 2024

Contributed by Lukas

#496: How much of a pay cut would you take for a lighter workload?  Today we hear from Paul, 35, who’s grappling with that question.  Paul’s b...

Dr. Cal Newport: Achieve More by Doing Less

28 Mar 2024

Contributed by Lukas

#495: Marie Curie won the Nobel Prize in Physics in 1903 and the Nobel Prize in Chemistry in 1911. She's famous for her work in radioactivity. Lin-Man...

My Husband Makes Double My Income, But Saves Nothing! Should I Be Worried?

20 Mar 2024

Contributed by Lukas

#494: Tatyana is about to pay off her house at age 39! What’s next? Her husband, who earns twice as much (and whom she met after she bought the home...

Wall Street Secrets, with Your Rich BFF Vivian Tu

13 Mar 2024

Contributed by Lukas

#493: Do you ever wonder what happens behind closed doors on Wall Street? Vivian Tu, also known as Your Rich BFF, is here to spill the tea. Vivian gre...

I’m Earning Extra from my Side Hustle. But Does This Cramp My Chances at Investing?

07 Mar 2024

Contributed by Lukas

#492: Christine’s business is struggling. She needs more income. If she adds a full-time remote job to her plate, how will her retirement and financ...

Why Bitcoin is Back in the News | First Friday

01 Mar 2024

Contributed by Lukas

#491: Welcome, Emma Chamberlain’s fans!! Thanks for joining the Afford Anything community. You can find out how to escape the 9-to-5 grind at afford...

Inside the Mind of a Supercommunicator, with Charles Duhigg

28 Feb 2024

Contributed by Lukas

#490: Great communication will get you a raise. It'll get you promoted. You'll land the corner office. You'll make friends and be the life of the part...

Ask Paula: What to Do with a Six-Figure Windfall?

21 Feb 2024

Contributed by Lukas

#489: Cara made $100,000 in commissions this year, her biggest bonus ever. What should she do with the money if she wants to retire early? An anonymou...

Gut Instincts and Big Decisions, with Morgan Housel

14 Feb 2024

Contributed by Lukas

#488: Ever made a flippant, seemingly minor decision that radically changed the course of your life? Morgan Housel has experienced this. At age 17, he...

Ask Paula: "Should I Put My Dreams on Hold … and Buy a House Instead?"

07 Feb 2024

Contributed by Lukas

#487: Luis’s wife is killing it at her side hustle. The unexpected income has led Luis to YouTube for hacks to capitalize on their surplus. Can a 52...

Stocks are Hot. Jobs are Hotter. What’s Next?

02 Feb 2024

Contributed by Lukas

#486: By every definition of the word, we’re in a bull market. The S&P 500 hit record highs for five consecutive days last week, and remained strong...

How to Start a Business in One Weekend, with Noah Kagan

31 Jan 2024

Contributed by Lukas

#485: If you’ve ever thought: "I’d love a business BUT …” I don’t have TIME I don’t have MONEY I don’t have IDEAS I have TOO MANY id...

Ask Paula: The Hidden Cost of Student Loan Forgiveness

24 Jan 2024

Contributed by Lukas

#484: Kristen’s financial advisor charges a 1.3 percent fee on her investments. They also sold her term life, whole life, and long-term disability i...

Thriving in a High-Pressure World, with Jennifer Breheny Wallace

18 Jan 2024

Contributed by Lukas

#483: Competitive. Results oriented. Driven to be the very best. These are a few ways to describe achievement culture. Achievement culture can also be...

Ask Paula: Should We Drain Our Brokerage to Make a HUGE Down Payment?

10 Jan 2024

Contributed by Lukas

#482: A caller named “M” wonders if liquidating stocks for a larger down payment makes sense in a high-interest rate environment. An anonymous cal...

What’s In Store for 2024? Bitcoin, Home Buying, and Kiyosaki’s $1.2 billion in debt

05 Jan 2024

Contributed by Lukas

#481: Predicting the stock market is a terrible idea. But we can look at economic indicators and upcoming events to get a big-picture, 30,000-foot vie...

Your Blueprint for Life's Toughest Challenges, with Hal Elrod

04 Jan 2024

Contributed by Lukas

#480: The death of a sibling. Being declared dead after a head-on collision with a drunk driver. Suffering financially during the Great Recession. CAN...

Ask Paula: Is Mom Getting Ripped Off by Her Investment Advisor?!

27 Dec 2023

Contributed by Lukas

#479: Nicole’s 78-year-old mom is paying huge fees for low returns. How can Nicole help her mom make better investments? Paul is a single dad, worri...

Buy the Damn Guac, with Jamila Souffrant

20 Dec 2023

Contributed by Lukas

#478: Ever skipped that extra drink, pricey cheese, or a night out for the sake of your wallet? If this feels familiar, then you’ll appreciate today...

Ask Paula: Investing for the Future vs. Paying Down the Past

13 Dec 2023

Contributed by Lukas

#477: Kayla is torn between paying off a loan early or catching up on missed retirement contributions. Josh wants to retire early and meets the thresh...

Astronaut's Guide to Taking YOUR Moonshot, with Mike Massimino from NASA and Big Bang Theory

06 Dec 2023

Contributed by Lukas

#476: Mike Massimino stared in disbelief at his TV. The date was July 16, 1969, and he marveled as Neil Armstrong and Buzz Aldrin landed on the moon. ...

Tribute to Charlie Munger, The Man Who Taught Warren Buffett How to Invest

01 Dec 2023

Contributed by Lukas

#475: Born in 1924, Charlie Munger was raised during the Great Depression. At the time of his death on Tuesday, his net worth was estimated at $2.6 bi...

Surviving a $35,000 Credit Card Scam, Job Loss and Foreclosure, with Tiffany Aliche, The Budgetnista

29 Nov 2023

Contributed by Lukas

#474: When Tiffany Aliche was in her 20’s, she fell victim to a credit card scam. A crafty swindler convinced her to take out a cash advance against...

Ask Paula: How to Pay Off a $8,000 Medical Bill Without Going Broke

24 Nov 2023

Contributed by Lukas

#473: Sarah has cash to pay a $8,000 medical bill but she’s reluctant to drain her savings. Should she sign up for the hospital’s interest-free pa...

Happiness Habits, with Harvard Professor Arthur Brooks

15 Nov 2023

Contributed by Lukas

#472: Imagine this: You’re a teenage musical prodigy, a world-class classical French horn player. You drop out of college at age 19 and spend your t...

Ask Paula: I Came Into A Lot of Money. What Should I Do With It?

08 Nov 2023

Contributed by Lukas

#471: Bob split a $350,000 windfall between savings and paying down his mortgage. But now he’s wondering if he made a good choice. Can Paula and Joe...

The GDP Grew 4.9 Percent, Unemployment is at a Near-Record Low … and Everybody’s Stressed About Layoffs

03 Nov 2023

Contributed by Lukas

#470: The economy is booming. GDP grew 4.9 percent last quarter, the fastest rate of growth since 2021. Consumer spending jumped 4 percent. Unemployme...

Ask Paula: Feeling FOMO About Your Home Equity? Here's What to Do

01 Nov 2023

Contributed by Lukas

#469: Lindy feels like her $300,000 of accumulated equity could be put to better use. But she doesn’t want to buy more real estate right now. What’...

How MICE Impacts Your Money, with Bryan Kuderna

26 Oct 2023

Contributed by Lukas

Money management is all about setting priorities. Maybe you have the twin goals of sending your kids to college while also saving enough for retiremen...

Ask Paula: Use One Debt to Pay Off Another?

18 Oct 2023

Contributed by Lukas

#467: Should Knoxville use a higher-interest Home Equity Loan (HELOC) to pay off a lower-interest 401k loan? Joelle’s tenant is interested in a rent...

How to Handle Medical Bills, with Dr. Virgie Bright Ellington

12 Oct 2023

Contributed by Lukas

#466: The Consumer Financial Protection Bureau reported in 2022 that medical debt is the most common reason to get a debt collector call. A Census Bur...

Good News for the Economy; Bad News for the Markets

06 Oct 2023

Contributed by Lukas

#465: The Fed is holding interest rates steady for now. The jobs report is better than expected. Stocks and bonds are both going down. What's going on...

The Science of Friendship (and How It Improves Your Net Worth), with Dr. Marisa Franco

04 Oct 2023

Contributed by Lukas

#464: More than ever, most people's lives are packed to the brim with activity. We are trying to fit in demanding jobs and families, commuting and a n...

Ask Paula: Student Loan Deferment HACK – How Christina Saved $60,000 in Interest

27 Sep 2023

Contributed by Lukas

#463: Mary is struggling to compare two job offers: one from a large corporation and another from a tiny business. How should she decide? An anonymous...

Cracking the Code of the Rich, with Seth Stephens-Davidowitz

21 Sep 2023

Contributed by Lukas

#462: As a society, we’re fascinated by stories of the rich. We hear news, see social media posts, and read books about how others become wealthy, h...

Ask Paula: A Year Off Work, a Career Change, and a Divorce: How to Make It Work

13 Sep 2023

Contributed by Lukas

#461: A special LIVE recording in front of an audience at Podcast Movement, an industry conference in Denver. Former financial planner Joe Saul-Sehy a...

The Mental Toughness and Confidence Blueprint, with Dr. Nate Zinsser

06 Sep 2023

Contributed by Lukas

#460: Mental toughness is the bedrock of starting a business, growing a multimillion-dollar portfolio, investing in real estate, crushing your debt, r...

Ask Paula | 10-Year-Old Asks: How Do I Save for My First Car?

30 Aug 2023

Contributed by Lukas

#459: Andrey is a savvy 10-year-old wondering what’s the best way to save up for his first car. Ingrid wants to know if her parents’ preference fo...

The Reality Behind High Home Prices, with BiggerPockets CEO Scott Trench

25 Aug 2023

Contributed by Lukas

#458: Today we chat with Scott Trench, the CEO and President of BiggerPockets, a real estate investing education company with more than 2 million memb...

Ask Paula: I Sold All My Stocks Last Year. Now I'm Kicking Myself

16 Aug 2023

Contributed by Lukas

#457: Angie sold all the stocks in her retirement account last year. And now the market’s climbing. What should she do with her $500,000 cash positi...

The Science of Empathy, with Stanford Professor Jamil Zaki

09 Aug 2023

Contributed by Lukas

#456: Stanford psychology professor Jamil Zaki shares his research and findings around the science of empathy – and how we can apply this to improvi...

Ask Paula: I’m Recently Retired. Do I Pay Off My Rentals Or Buy More Real Estate?

05 Aug 2023

Contributed by Lukas

#455: Yvette recently retired with the goal of reaching a $10,000 monthly income from her real estate investments. Should she put her money toward deb...

Ask Paula: Financial Disaster? How to Get Help Before It’s Too Late

02 Aug 2023

Contributed by Lukas

#454: Amy says she hit “rock bottom” with her finances. She says she struggled to ask for help before her situation became an emergency. How can o...

The Importance of Having a Life Outside of Work, with Simone Stolzoff

27 Jul 2023

Contributed by Lukas

#453: Today I chat with Simone Stolzoff, a consultant for organizations ranging from Google to the Surgeon General’s Office, and the author of "The ...

Mind Games: How Confidence Shapes our Financial Markets, with Economist Peter Atwater

20 Jul 2023

Contributed by Lukas

#452: Peter Atwater, an economics professor at The College of William and Mary and author of “The Confidence Map,” joins us to discuss how confide...

Ask Paula: The Hidden Costs of Leverage

12 Jul 2023

Contributed by Lukas

#451: Rachel’s car is nearing its end of life and she’s short on cash. Should she sell before she’s hit with a major repair? Cam wants to arbitr...

The Surreal Business of War: A Reporter's Account of the Russian Economy in Chaos

07 Jul 2023

Contributed by Lukas

#450: On the First Friday of each month, we roll out a bonus episode that’s totally different from what we usually produce. These bonus episodes are...

Ask Paula: Should You Buy Real Estate in Today’s Economy?

06 Jul 2023

Contributed by Lukas

#449: Jackie is a 42-year-old paralegal with two rental properties. She wants to buy three more. She asks for Paula’s thoughts about today’s econo...

Ask Paula: We Make $300k. Why Are We NOT Financially Independent?

28 Jun 2023

Contributed by Lukas

#448: An anonymous caller is dealing with guilt over spending a large cash gift. What’s the best use if she doesn’t have an obvious financial goal...

The Human Side of Remote Work, with Nick Bloom

21 Jun 2023

Contributed by Lukas

#447: We talk to Stanford economist Nick Bloom about his groundbreaking research on working from home. Nick has been studying remote work for more tha...

Ask Paula: How to Build a New Career After Adversity

14 Jun 2023

Contributed by Lukas

#446: Paul suffered a stroke at 48. He’s on disability and feeling lost. How does he figure out what’s next? Should Ashley’s aging parents spend...

Boldly Unemployed: Embracing Entrepreneurship, with Steve Chou

07 Jun 2023

Contributed by Lukas

#445: We sit down with Steve Chou, an accomplished entrepreneur who, alongside his wife, built two businesses that each bring in seven figures – and...

The End of the Student Loan Pause: What You Need to Know

02 Jun 2023

Contributed by Lukas

#444: The student loan pause is coming to an end. A moratorium on student loan repayments has been in place since the start of the pandemic, but start...

Building Your Dream Business, with Amy Porterfield

31 May 2023

Contributed by Lukas

#443: As a former corporate powerhouse turned successful entrepreneur, Amy knows firsthand the challenges and triumphs of building a business from scr...

Ask Paula: I Tripled My Income. Now What?

24 May 2023

Contributed by Lukas

#442: An anonymous caller is struggling with a tempting offer from her family to buy her first house. Chris recently tripled his income. How should he...

How to Invest in a Volatile Market, with JD Stein

18 May 2023

Contributed by Lukas

#441: It’s GRADUATION WEEK! For those of you who’ve been following along this past year, you know that I’ve been completing the Knight - Bagehot...

Ask Paula: Am I Saving Enough For Retirement?

10 May 2023

Contributed by Lukas

#440: An anonymous caller wants to retire and travel in 20 to 30 years. How does she know if she’s saving enough? Trace plans to take a mini-retirem...

Banks Collapsing?! What’s Next? – Plus ENCORE episode with Financial Advisor Michael Kitces

04 May 2023

Contributed by Lukas

#439: There are massive rapid changes unfurling in the financial world. This week’s biggest news: First Republic Bank collapsed; JP Morgan Chase acq...

Life in Five Senses, with Gretchen Rubin

27 Apr 2023

Contributed by Lukas

#438: “Do you want to save money? Or do you want to enjoy your life?” That’s a common question, but it’s strange. It assumes these ideas are o...

The Five Types of Perfectionists, with Katherine Morgan Schafler

19 Apr 2023

Contributed by Lukas

#437: Do you have a project you want to start … but you’re stuck in analysis paralysis? Do you feel like if you want to do something right, you ha...

Ask Paula: How Do I Pay for Grad School?

12 Apr 2023

Contributed by Lukas

#436: Jeremy wants to attend graduate school. Should he take student loans or cash out his investment portfolio? Andy is wondering if the 4 percent ru...

Ask Paula: How To Prepare for A Layoff

05 Apr 2023

Contributed by Lukas

#435: Lee is 30 and facing a tech layoff. She can live for a year on her savings. She’s thinking about taking the rest of the year off. How should s...

Tips for Tipped Workers, with Barbara Sloan

30 Mar 2023

Contributed by Lukas

#434: The majority of financial advice is geared to people with 9-5 jobs: “Negotiate for a raise.” “Max out your 401k match.” “Budget bas...

Ask Paula: Should I Quit My Cushy Job?

22 Mar 2023

Contributed by Lukas

#433: Should “Walker,” an anonymous caller, give up a cushy job to take a year-long sabbatical in Europe? Blue wants to rent out his East Coast ho...