With the extra time, I had hopes of using the extra weekday to focus on the blog (instead of evenings and weekends) as well as getting a more balanced life where we could visit friends more, exercise more and do more of the things we love. COVID had other plans but even if we could be going off on long weekends away, or even a meal at a restaurant with friends, things have been crazy busy and no-one’s fault but my own.

In last two months I’ve only managed to get one blog post written. With the extra time I:

• Presented at the Dublin FI meetup on our mini-retirement experience
• Co-hosted 2 Cork FI online meetups
• Wrote 2 articles for the Smart Money Series
  • 8 investing tips
  • 4 money saving tips
• Presented at the first online FIRE event on the quickest path to FI for a PAYE worker – the event was recorded and still available to purchase if any one is interested, it was a super interesting event with something for everyone to learn
• Was interviewed on the Superb Diamond Range Podcast
• Completed 7 client consultations including 5 analyses on how best to invest lump sums and quickest paths to FI and 4 one on one Q&A sessions (I know that adds up to 9, 2 clients did both the analysis and one on one sessions)
• I also got involved with the Irish Savers Action Group on Facebook who focus on improving investment options for Irish savers and I’m excited to work with them to advocate for better, more accessible savings options for the every day worker.

As you can guess, this didn’t fit neatly into my one day a week as planned. Many (mostly all) nights and weekends since my last post were blurred into and it’s starting to catch up to me.

All work and no play makes Meagan a dull girl.

It got to the point where the blog started to feel like a chore and I even contemplated stopping the blog and going back to work 5 days a week. I certainly would make more money for the time I put in and would have a clear cut off between home and work.

But, giving up all together feels drastic when all I really need is to put a bit more structure, balance and boundaries into place.

So, I’ve decided that I will only take on one blog related effort per week. Be that consultations, interviews, presentations, articles etc. This will allow me to keep things balanced.

Anyway, what’s all this got to do with FI?

I guess it’s got me thinking about the what life would look like once we no longer need a day job.

One of the couples that presented at the FIRE HQ event was already retired since their late 40’s and they commented that they don’t know how they ever fit in full time jobs. They live full, rich lives and are never bored as they thought they might be.

My sister in law also mentioned in our last visit that she thought that COVID would be the perfect opportunity to catch up on reading, something we both said we love to do but never seem to have time, and that try as she might, other things just kept creeping into her schedule.

These two points got me thinking, maybe no matter how much “free” time we have, we will always find ways to fill it, and if it’s in our nature, over-fill it.

My need to say yes to everything and set my own expectations to deliver as quickly as possible to the highest quality is a habit that will be hard to kick.

***Google’s self help for over achieving people pleaser ***

I also feel the need to be productive even in my down time. Watching a movie is tough going as it feels like I’ve wasted precious time that I could have been doing something productive – as long as I have the energy.

This is something that I would like to work on BEFORE I reach FI, so that once I get there, I will already have the balance right, and stop myself from burning out before I get there.

I also read a really great article recently from the guy that wrote Financial Freedom. He has been financially independant for the last 5 years and reflected on his journey and what he could have done differently to make it more enjoyable and effective. Two of my key take aways is to schedule in down time and prioritise health.

If we don’t guard our own time and make space for our priorities, or the things we’d like to be priorities but always seem to take the back burner (hello exercise), then we will never get around to them, no matter how much time we have.

So, I write this in the hopes it will keep me accountable.

Today I made a start and scheduled in a long walk with a friend of mine. This ticked a few boxes: down time, catching up with friends, exercise and getting time in nature. I came home in a much better mental state than when I left and will try to prioritise something like this for myself at least once a week.

The path to FI is a long one, we must make sure we take care of ourselves along the way, and enjoy the journey as much as we can. Tomorrow is not guaranteed. It’s not about the destination. It’s a worthwhile goal but not the be all and end all.

On the regular day-to-day life, the change of pace has been wonderful.

There is no rushing around to drop off or pick up from creche, no sickness or COVID testing to keep our son in creche (all of our friends with kids in school have already been sick at least once and many needed COVID tests or extra time to allow their kids back to school), we have dinner together every evening (mostly made by Mr. MH by the time I finish work), I’m trying to pop out for walks alone at lunch time, I get to cuddle my son during the day when I come down for tea breaks and lunch or when he struggles from separation anxiety near the end of the week. All in all, I can’t complain.

We have so much to be grateful for: we are not at war, we have our basic needs and comforts covered, we are able to work and have our health, I have a loving and supportive family but even though I am conscious of this, the monotony of pandemic life does weigh on me from time to time. Especially when I was working almost every waking hour.

I miss my friends and family. We have been avoiding meetups now that kids are back at school as it’s too risky for our kids to intermingle when Mr. MH is a higher risk. We still have video calls at least.

I miss being able to just go into town, to be among the community, to bring our son to events, and play dates, to go the the cinema and restaurants without the worry of getting a potentially life threatening virus.

I know this is what everyone is feeling and many are in much worse places than we are financially and/or mentally and I’m not sure why I’m sharing this really, maybe just a way to be transparent that everything is not rosy and highlight that although we’ve reached partial financial independence it’s not the solution to all of life’s problems. If you have life work to do, no longer needing money will only give you time and space to continue working on them, so long as you make them a priority.

Personally, I’m hoping now that I’ve come up from the fog, I will be better at protecting my time and actually fitting in the important things.

When I was planning our mini-retirement in Portugal I thought I’d chance my arm and try to schedule a meetup with FIRE YouTube stars Amon and Christina from the “Our Rich Journey” channel. Luckily our schedules lined up and they graciously agreed to meet my sister and I for coffee. This post covers most of what we talked about.

At least all that I can remember almost a week later.

Who are they

For those of you who don’t know, Amon and Christina successfully retired early at 39 and 41 from the San Fransisco Bay Area to Lisbon, Portugal. They are the poster family for the FIRE nay-sayers who say they can’t retire early because they don’t earn high incomes or because they have kids.

Amon and Christina worked civil service jobs and have two kids. It took them just 8 years to build up their retirement portfolio. Even with Christina taking time off to get a law degree from UCLA when their girls were 3 and 5.

They avoided debt at all costs and side hustled like crazy.

They house hacked by taking overseas government postings in Spain and Japan where their housing and childcare costs were covered or subsidized. This allowed them to save 70% of their income.

They flipped houses in the San Fransisco Bay Area where they made a profit of 400,000$ from 3 properties. Check out this video for all the financing details and before and after pics.

They did all the renovations themselves and bought and sold things on Etsy and so on.

When they were about 1 year away from reaching FIRE they started a YouTube channel. They did this so they could share their journey and help share the knowledge they had acquired. In under 2 years they have now reached 184,000 subscribers and amassed almost 8.2 million views on their videos!

What we talked about

Retirement location

We started off talking of my experience so far in Portugal and how our mini-retirement was going.

How the mini-retirement reconfirmed that I love where I live and am willing to work a few more years in order to afford a retirement there.

Amon and Christina said that they built their retirement portfolio to the point that they could retire at the San Fransisco Bay Area’s cost of living. This afforded them the option of picking a much wider variety of locations that suited them.

At this point they really can’t see themselves returning to the US.

Working during retirement

I noticed they had started providing paid consultations and asked how that was going.

They said that they currently get hundreds of questions a day and thousands of questions per week. The consultations were kind of a way for them to politely decline answering so many individual questions.

I said I am considering starting to provide consultations myself but trying to work out the legalities. Revenue confirmed that providing generic financial advice is not regulated. My solicitor confirmed the same. Though my solicitor recommended getting professional indemnity insurance, which I am in the process of looking into.

Amon joked that Christina is a lawyer so obviously they have this in place to cover themselves too.

I mentioned that a lot of FIRE blogger/vloggers continue to work once they “retire”. They even go on to make more than they made when they were working full time jobs. I asked if they knew what they would make now in retirement, would they have pulled the trigger and retired sooner.

Christina said possibly but it’s hard to say as they are looking back from a position of full comfort knowing that they don’t NEED to work if they don’t want to. This really stuck with me.

I was trying to figure out a way to stay home with my son as much and as soon as possible. We looked at living off my husband’s income while I stayed home and tried to cover my own expenses through consultations via the blog. I thought, if this is what I plan to do once I “retire”, why not start now and retire from my 9-5 now. I can work evenings and weekends and mind my son during the day.

Amon said that they weren’t looking to run their channel as a business. They are in a position where they could really take off but it is not their priority right now. They like being able to pick and choose which topics they cover and make videos as and when they please.

Obviously if you quit and spend all your time building a business then you have much higher chances of success. However, both my husband and myself like the idea of being in Amon and Christina’s position of full financial freedom so that we’re never under stress from a financial perspective. Especially as we get older and our families are getting older and we could start to experience health issues ourselves. It’s nice to think that we could be there to support family or take better care of ourselves if we had the time and space to do it.

I still plan on starting the consultations but will go back to work and do it on evenings and weekends instead as a way to get started and see how it goes.

If it gets to a point where it can become my full time job and I can continue working towards full FIRE then I can re-evaluate at that time.

In terms of Amon and Christina’s consultation experience they said that it’s really interesting. They get really highly educated people asking for guidance. There is usually a black and white answer to their questions. A lot of people actually already have the answers within themselves but just need a push to act.

Living off one income

Some videos mentioned that they lived off one income at times and I wanted to know more about their experience. Personally I’ve been trying to figure out how to continue working towards FIRE while having one of us stay home with our son. They said they went down to one income when they were in Seville the first time as well as when Christina went back to school to become a lawyer.

They refused to go into debt and so they side hustled like crazy to afford their lifestyle.

Amon and Christina even lived in two places while Christina was back at school. With Amon flying over and back almost every weekend by hacking a Jet Blue point system which allowed unlimited flights. They laughed saying they were not offered the same scheme a second year in a row.

Partner’s with different spend styles

I asked if they were both as interested in FIRE as the other or if one was more the driver. They said that luckily there were both as interested as the other but that they often get questions about having a partner that’s not on the same page.

I put my hand up saying that I am that person. My husband and I have very different spending habits but have slowly merged on our path towards FIRE. I have a lot to say on this topic and will write a whole post about it at some point.

Vlogging

Amon said that when he was young he used to get embarrassed when his parents would talk about work. He then joked that this feeling seems to be universal no matter what you do. Even his kids now role their eyes when Amon and Christina talk about their channel. So not even being YouTube stars is cool enough for your kids.

They mentioned that it was weird that people in Portugal are starting to recognise them. They get approached at least once a week by people who watch their channel. Their kids’ school now knows about their channel. Even the staff in their local coffee shop discovered that they were on YouTube.

My sister and I mentioned that we were nervous/excited coming to meet them and they laughed saying that was so weird.

As mentioned earlier they said that they don’t want to HAVE to record videos. That they enjoy making the videos they want to make. They scroll through various comments and questions and pick out topics that would benefit the largest audience but also that are interesting for them to talk about.

I asked if they used scripts as they are so well spoken on their channel. They said to my amazement that no they just talk about the topics they are familiar with and they have each other to add things in that the other may miss.

Having talked with them in person though I can see that they really are just very well spoken. The way they are on the vlog is the same as they are in person.

Helping others

We also talked about our main reason for vlogging and blogging. For both of us it is to help others.

I started this blog as I spent hours upon hours researching about FIRE and investments in Ireland and found very little Irish specific content. There are plenty of blogs and other resources that show you how to retire early with various tax free withdrawal strategies in Canada and the US but I could find nothing on the Irish front. Hopefully sharing the knowledge I am acquiring will benefit others too. It’s also a great way to look back on my findings as sometimes I forget what I had researched.

I talked about how the book Your Money or Your Life was transformative for me. Specifically around aligning spending with your values and life’s purpose but also about redefining our definition of work.

I asked if they had heard about Maslow’s hierarchy of needs. They laughed as Christina was a psychology major so of course she had. We talked about how financial freedom allows you to focus on the self actualisation element of the hierarchy. Where you no longer focus inwards on base needs and comforts but start to look outwards in how you can contribute to society and help others. This is the beauty of being financially independent.

We talked about future goals or dreams on helping others with financial literacy. Christina had considered trying to teach courses at a college level. Amon and I agreed that courses would be good but we weren’t sure that college is the right time. Looking back at college ourselves, we thought that even if someone had come in and told us about FIRE or investing, we probably wouldn’t have been in the right headspace or point in our lives for it really to sink in.

For me I felt like if I had heard about FIRE in my mid-20s when I was working full time and for the first time my income exceeded my needs, I would have gladly welcomed some knowledge around where to put the excess money.

Though I was always one to live below my means. I can’t say the same for most others I see around me. Perhaps that is where the financial literacy piece needs to start. To help people get to the point where they do have excess cash rather than living paycheque to paycheque.

My sister joked about how governments and corporations don’t want us to be financially literate. Instead they want us to spend and be mindless consumers, churning out endless taxes and buying endless products.

I also joked that Mr. MH has often said that FIRE wouldn’t work if everyone did it. The stock market would fall apart if everyone just bought enough to fulfill their base needs and a few luxuries. Amon reassured us that this would never happen as we looked around the full coffee shop and said that people will always spend money.

I mentioned that I feel a bit hypocritical as I am into sustainability but am banking on others continuing to spend money and consume the earth’s resources so that my investments in the stock market continue to do well. Amon consoled me saying that with the extra time I would do good with the money. I hope the impact I make will outweigh the bad over time!

Families abroad

We also talked about living away from family.

Amon said that he was lucky as both his Dad and brother moved to Japan when they were living there. He’s working on convincing them to come to Portugal now.

Christina’s family is back in the San Fransisco Bay Area and my family is in Canada. It can be hard being away but we joked that since having kids we see a lot more of family than we did before.

Christina said that her family didn’t even have passports before they had kids. Now they have been bitten by the travel bug and are travelling a lot more.

I had been in Ireland for 4.5 years before I had our son and no sign of my parents. In a little over a year since we had our son, they have flown over 3 times! We were also in Canada this summer and so in the last 12 months we actually spent 3 months together. If I lived just 1.5 hours away as I did before, we never would have seen each other as much.

So in some ways I think that living abroad lets you spend more time with family than if you took proximity for granted and only went home the odd weekend.

Siblings following the FIRE path

Amon asked my sister if she was also on the FIRE journey. She said yes but not as aggressively as me. Amon then went on to say that his younger brother is also following in his footsteps. He is on target to achieve financial independence at a young age too.

My sister mentioned that herself and her husband are looking to flip houses at the moment. Her husband is in construction and so will likely do most of the work himself.

Amon mentioned that they had been involved with real estate but as they neared FIRE wanted a more passive investment and slowly edged their real estate holdings into ETFs.

Wrapping up

Amon and Christina had to get going to meet their girls for lunch as at this point almost an hour and a half had passed. The beauty of being retired now allows them to go home and make lunch for their girls who are within walking distance of their school.

It sounds like a dream. Being financially secure, working on things that make you feel productive, making a contribution to society, meeting up with like minded people, travelling, visiting with friends and family, being present and not stressed around your kids.

We also mentioned the study called Ask the Children, where over 1000 children aged 8-18yrs with working parents were given a “one wish question.”

“If you were granted one wish and you only have one wish that could change the way your mother’s or your father’s work affects your life, what would that wish be?”

The majority of adults guessed that their children would wish for more time together. But for the majority of children, their one wish was that their parents would be less stressed and less tired.

Children tend to see the world more simply than we do. If we were less stressed and less tired, surely the time we actually spent with them would be more focused and of higher quality.

This is what financial freedom affords!

Things to see and do

Last but not least we asked for a few things to see and do in our last days in Lisbon. Here were some of their suggestions:

• go to the theatre. They went to a show for 4 box seats at 80€ with excellent stage production albeit in Portuguese
• go to a spa
• check out non-touristy areas like
  • Alameda on the green line
  • Rato at the end of the yellow line and
  • Belem where you should rent bikes to explore

And there you have a 1.5 hour conversation “condensed” into almost 3,000 words (face palm).

It is so rewarding and energizing meeting up with like minded people. Check your area for local meetups if you haven’t already or set one up if there isn’t one. It is something I greatly look forward to and always get so much out of.

What is the FIRE movement?

As I mentioned in my About Page , I first heard about the FIRE (Financial Independence/Retire Early) movement on a radio show where fellow Canuck, Kristy from Millennial Revolution briefly covered the topic which explained how herself and her husband retired in their early 30’s and have been travelling the world on their investment income for the past 4 years. They are only 1 of many couples, families and individuals I have since come across who are following the same principles to gain financial independence well before the traditional retirement age, all doing very different things with their time.

At a high level the concept is based on having enough investments where the annual returns cover your annual expenses so that you never touch the principal and your funds never run out.

How much do you need?

Studies have shown that if you withdraw 3-4% of your investment/retirement portfolio per year there is little to no chance of you running out of money as your investments will generally bring in more than that and so you are never touching your principal investment.

In order to figure out what this number is for you, you need to take your annual expected retirement expenses and multiply them by 25. This is likely 10-20,000 less than your current annual expenses per couple – read on to see how.

If we take the average Irish expenditure as per the central stats office’s 2015 survey of 40,000€ and take off 10,000€ that comes to an investment of 750,000€. Now when I first saw this figure I was very deflated but it’s actually much more achievable than you think considering the goal is to retire years before you turn 65 (or a typical 40 working years).

Below are my estimations on how many years would be required to save 1 million (live off 40,000€/year), 750,000€ (live off 30,000€/year) and 500,000€ (live of 20,000€/year) depending on what you think you could live off or supplement your income should you want to continue working. This is if you are starting from zero and does not take into account any liabilities or assets you may currently have.

I’ve included 4 growth variations. Historically the stock market has averaged 9-11% growth, if you are investing for the long-term, you should be able to get these returns as well – though historic trends are no guarantee of future returns it is all we have to use as a basis for projection.

Irish Growth

This chart shows 7.1% growth which is the likely growth you will see in Ireland if you invest in Irish or EU domiciled exchange traded funds (ETFs) – which I will expand on below. This takes the typical 9% minus 1.9% for inflation (this is the average inflation for Ireland in the last 30 years). This leaves us with 7.1%. I have also taken deemed disposal into account in the growth for this one. Deemed disposal is a tax legislation for Irish and EU domiciled ETFs where you need to pay 41% on any gains 8 years after the gain was made whether or not you have actually sold any funds. You may pay for this tax however you wish but for my analysis I am assuming you have no extra funds available outside of your investment and the tax will come out of the investment fund reducing the overall growth rate.

This chart looks at the same thing but accounts for inflation differently. Instead of knocking it off the growth rate I left the growth at 9% but increased the withdrawal amount by the inflation rate to see if it made any difference. It adds an average of 1.55 years to the time to financial independence. This also includes deemed disposals against the growth.

Canadian Growth

This chart shows 7% return which is the likely growth you will see in Canada. This is a more straight forward 9% minus 2% for inflation (the historical inflation for Canada in the last 30 years) with no deemed disposals included.

This chart looks at the same thing but accounts for inflation differently. Instead of knocking it off the growth rate I left the growth at 9% but increased the withdrawal amount by the inflation rate to see if it made any difference. It only adds an average of 3.6 months to the time to financial independence.

Impact of savings rate

In all cases the time to retirement is most impacted by the earlier increases in savings rate. For example increasing your savings rate by 5% from 10 to 15% gets you to retirement 15%-18% faster depending on the final withdrawal amount but when you increase your rate from 75% to 80% it only reduced time to retirement by 4%-7% depending on the final withdrawal amount.

The lower return at the higher rates is because you are not benefitting from compounding interest for as long, so your portfolio growth is mainly from your contributions rather than interest at the higher savings rate but that is offset by faster time to financial independence.

Ways to Reduce Your Retirement Number

As mentioned above, even if you live off 40,000€ now, you will likely need much less once you and your partner are no longer working as you are actually paying to work. You pay for your commute, your work clothes, work lunches, extra take out as you are too tired to cook, cleaners for your house, childcare etc. I’d estimate that you could knock off 10,000€ annually should you no longer need to pay for these things. Since I have been on maternity leave our household expenses have gone down by 550€/month at last check, and that was before we cut down on meat and suspect that figure is actually 750€/month (9,000/year) with just one person no longer in work. I need to analyse where those savings are coming from but will save that for another post.

Additionally, should you wish to partake in geo-arbitrage (living somewhere else that is cheaper for the same standard of living), you could knock another 10,000€ or so off. Looking at this cost of living comparison website it gives you an idea how much farther your money would go in another city. For example: You can get the same standard of living in Faro, Portugal for 1,642€ less per month compared to Cork, Ireland (19,000€/less per year) – that and better weather ;). This even works to compare different cities in your own country.

Another option is, say you manage to save 50% of your household income (live off one persons salary), once you get to 500,000€ in 10-11 years, one spouse could “retire” to stay home with the kids while the other keeps working. Or you both pair back your hours to part time.

If 10-11 years seems too far off, you could also partake in mini-retirements. Once you have a bit of money invested and can afford to take a few months off work, you and your partner or you alone could take a mini-retirement to pursue some other projects, travel for an extended period of time, focus more time on your family, pursue a job you like better, go back to school or just recharge if all you think about is time off.

The options are endless once you have a bit of financial freedom/ independence.

Ways to Reduce Your Time to Retirement

At a high level, though this seems obvious, you could either earn more money – which you would in turn invest or reduce your spending, again to increase your savings rate. Or better yet some combination of both.

There are many ways to go about doing both including side hustles, negotiating wage increases, and various life hacks to reduce your highest expenditures, which in Ireland are: housing, transport and food (making up 50% of the average household expenditure).

Stay-tuned for future posts on these ideas.

What do you invest in?

Most of the FIRE bloggers invest in some proportion of equities/stocks and bonds using self directed brokerage companies. The simplest/laziest investing approach is to invest in stocks using low cost exchange traded funds (ETFs) – these are index funds which essentially invest in the whole stock market. I will go into my Canadian and Irish portfolio splits in future posts.

These ETFs historically have performed as well if not better than individually selected stocks or managed funds, the idea is that the stock market performs at about 9-11% per year over long periods so if you are invested in the whole market you should get these returns too. These are meant to be long term investment vehicles as you need time to weather out any downturns in the market. You also need to be ok with leaving your investments untouched especially during downturns as you need to allow time for the market to recover as it always has – as per below (Irish stock market in green and Canada stock market in blue), you can see that in the history of the stock market, it has always recovered over the long term, say 10-15 years after any downturn (though we’ve yet to see a full recovery from the crash of ’08 in Ireland just yet).

Depending on how long you have before you plan to withdraw you will want to invest the highest percentage of your portfolio in stocks (higher risk/higher return) and only a small percentage in bonds (lower risk/lower returns). Personally I am investing 100% in stocks for now and will rebalance my portfolio to include some bonds closer to my withdrawal date. When you are about 5 years from retirement you will want to have a split of about 60% stocks and 40% bonds, or if you plan to keep making some income you can leave a higher percentage in stocks.

Investing in ETFs in Ireland is a little more time consuming and requires more administration than some other investment vehicles, in that your gains and dividends are not automatically reinvested for non-accumulating ETFs and you have to file taxes every year but I will post details on this process as I navigate the system myself. For Canadian readers: In Ireland, you do not need to file taxes every year unless you have any other income outside your salary so filing taxes is expensive and more complicated to figure out yourself.

Investing in ETFs in Canada is much more straight forward.

There are other investment vehicles like pensions, peer-to-peer lending, real estate etc but I will go into why I’m not opting for these in future posts.

Why Retire Early?

I used to think that winning the lottery would be a curse as I personally get so much out of making goals and working towards them and I felt like winning the lottery would take the work/reward element out of the equation and I would feel lost. I thought, there is only so much travel you can do before it gets old, and only so many material things you can accumulate before you have everything you’d ever possibly need, and then what?

The same thought process would go for the idea of retiring early, until I probed a bit deeper and asked myself – if money was not needed, what would I do with my life? After all, humans need work to give purpose, feel productive, remain socially engaged and creative.

If you’ve ever come across Maslow’s hierarchy of needs and motivation, no longer needing money kind of puts you further along the path to self-actualisation and transcendence needs where you think and act more on behalf of others rather than yourself.

For me I think I would spend more time helping people either with finances or volunteering with the homeless, and become more active in the environmental activism community, maybe find a non-profit (typically low paying) environmental company that could benefit from my analysis skills – mixed in of course with more time with family and friends, outdoor adventures, travel and maybe some interior design work/flipping houses.

I recently read a finance book* which mentioned that most people never really stop to think about what they’ll do when they retire and so when that day comes, they feel lost and don’t know how to pass the time, he commented that one of his neighbours goes into his lawn to pick up sticks every day – this is such a waste of life! We have only one life, and we rarely question the status quo of going to school, getting a good job, work 40 years, retire. What if you could design a life where you retire sooner and make an impact or see the world while you are still young and fit enough to enjoy it?

What do you think? Are you as intrigued and inspired by the FIRE movement as I am? What would you do with your time if money was no longer needed? Leave a comment below!

* The link to the book is an affiliate link so if you buy it, I will get a small portion of the book price.