 And we are back, as promised, we'll be talking about financial planning and management. And this is the topic that is close to your heart because we all need finances, really, money, and we sometimes struggle with how to manage our finances in a way that, you know, is beneficial to us, in a way that puts us through for this particular topic. We have been joined by an expert who is also an author. She is a financial control center, and the author of this book that I'm carrying right here, and we'll get a bit of nuggets from it. She goes by the name Jane Getiche. Welcome, James. Glad to have you with us. Thank you, Stephanie. All right. Tell us a little bit about yourself now. I've never been to get to you briefly, but I'll tell us a bit about yourself before we get to the topic. As usual, I'll start with my name, Jane Getiche. I am the founder and CEO of the Pesh Financial Solutions. And recently, I've added another title, Ausa. I've authored a book called The Art to Master Your Finances. Yeah, it's basically a financial solution tool that, you know, out there, there's so much about, there's so much financial books that are out there, but most people kind of hate reading them because of the financial jargon. So it's a very simplified book in terms of the language that I've used and the practicality of the stories. Yeah. And also I do training on finances, base groups, companies, chalmers, because most people maybe, yes, you know what you want, but you don't have the exact guideline on how to go about it. So I do training on that. Yeah. So what Zafesh does, Zafesh, we have a department that sells insurance. We do investment savings, retirement. Yeah, basically we provide all those solutions. Financial solutions. Yeah. Yeah. And we give our clients, we try to give them what they need with their basic, I mean, with their needs. Yeah. Okay, awesome. So something I read on one of your posts in social media, you were asking people, are you happy with the relationships we have with your finances? And that's the question I was also asking, are you happy with the relationships you have with your finances? If not, then you want to listen into this discussion. How do we make ourselves happy with our finances? Because it exists a struggle that many people have, especially the youth, because now, if you're youth then you have just gotten a job, you're trying to, you know, understand the finances. How am I serving? How am I using this? How do I pay? You know, how do you make sure you have a good balance in your finances? First, you need to know what financial personality you have. So it starts with knowing yourself. If you don't identify the personality that you have in terms of the financial world, then that is the basic of you definitely have a wrong financial part. I mean, you'll have a wrong relationship with your money. So once you know your personality, there are so many. I mean, not so many. There are like four personalities, but I'll discuss about three, because the third and the fourth are more like the same. The first one is financial disengaged. There's a type of a person. You just get paid and only you just, like now, for example, I'll give a basic example. Maybe I get paid, you get paid $50,000 and the only thing you do is just pay bills and that's it. Okay. If there is a conversation about like today, if you hear there is a conversation about finances, you don't want them to listen. You won't even sit down and listen. Basically, you don't want to know much about finances. So that is a financial disengaged person. And how can this person can try to move by at least trying to learn first the basics of finances. How to know about the basic of like saving and all those things. Okay. Yeah. So if you are that kind of a person and most people especially, most of our youth are there. Not even youth. Most people are there. Yeah. Finances. Yeah. You just get your salary. You just pay bills and that's it. Pay bills and that's it. You don't hear anything about finances. Yeah. You just like know rent, bills, the money farm done. Okay. By the time if you think of the month, you're broke. Exactly. And you're like, I hate my job. I do this. And basically it's just not having that relationship with your money. The second one is the saver. This is the type of a person who, yes, you at least you have a small relationship with your money because you're saving. But this person, once you earn your income, you pay bills. All the other money, you just put it in a savings account. And most of them, they just put it in a bank account, current account. And these are those type of people. You know, you have those friends like, you know, they always have money. You just call them, hey, you're calling at NK. How are you? Yeah. Those are the savers basically. They typically have a relationship with their money because actually they have something to save, but not so good. Not so good. Then we have the investor. This is the type of a person who has a very good relationship with their money. And when I talk about having a good relationship with your money, let's go even basically with a relationship. If you have a good relationship with your spouse or your partner, you communicate, right? Exactly. If you have a good relationship, communicate with your money. You're paid. Sit down with your salary. You tell, you, this portion, 20% I want you to go to give. 10% I want you to go to give. 20% I want you to go to give. And this I mean like you, you're doing a small emergency fund. You're doing retirement. You know, of course you're paying the government. The government even has already paid the bills. Take care of your money. Yeah, I saw the remaining. I'm talking about now the next salary. I'm going to give it a portion to it. And the investor will always have a diversification of things. They'll invest in bonds. They'll invest in money markets. They'll invest in all these type of real estate. They'll invest across. They won't just focus on only one investment. Okay. So, and when I talk about all these jargons or these big investments, you don't have to do them at a go. You know, it starts somewhere. Yeah. The income can only maybe manage you to save. Like now, for example, I'd go with the basic. Most people, they're starting to let you have 30,000. 30,000 is like 25,000. Out of the 25,000 you can check like, do 20% of that is around 5,000. So you say, this 5,000, I'll be allocating it to my investment. And how do I start with the basic investment? A money market is a good investment enough. So, because it has, it adds you good interest. Most of the time, that's way better. Like a minimum of like 10%, bank give between 7% and 5%. And both of them have, are withholding tax of 15%. So, if you're saving on money markets, you have a better chance. You can even do, these are the investments. There are so many. They are diverse bonds. There are so many diverse investments that you can start with even just a thousand bucks to 5,000. If you do 5,000 in a year, that's 60,000. At least you wouldn't be wasting that money somewhere else. You'll be knowing you have a stash somewhere. And that is basically an investment. If investors are told to stand, you'll stand. But these are the persons who are earning a lot, can diversify. You can now do bonds. You can share if your age allows to risk because shares are quite at risk. You're ready to lose that money basically. It has very high returns, but you can do real estate. The same with real estate, they are very high risk here. So, basically, that's an investor. So, you need to know your personality. Financial personality. And the best one to have to be is the investor from the play that you've mentioned at least. For this other two, why is it important for them to know or to be conscious about their finances? As you said, there's one that's disengaged. Why do you need to be engaged? Why do you need to be very intentional about your finances? We all have that dream of having financial freedom. Everyone has, but the basic is we have different... having a dream of financial freedom to all of us is different. So, if you are disengaged from your finances, that dream might not come true. So, the basic is learning about your finances and the basic also is learning about the finances out there and the ventures that I come. You see, the basic one is once you learn about your finances or rather your financial personality, you'll be able to know if I'm a risk-averse person, I'm a risk-taker or indifferent. Because now, if I learn I'm a risk-taker, I guess now the ventures that I will want to invest in, I will want to invest in high-risk, I mean, high-return ventures. But if I'm a risk-averse person like me, I am. I don't like risky. To put my money where, at least I'm sure. It's a roadie. If I come my interest and say, don't be a risk-taker, it's a roadie. So, that's why I tell people you need to learn that. If you learn about your personality, you'll also learn about your risk, how much risk you can be able to take. And that is the best thing to go forward. At least now you'll know the ventures too. Yeah, to get into, yeah. Okay. So, now that's been, you know, after knowing your personality and you've spoken about the different areas you can allocate, do you have, and you are still in terms of percentage, 20% should go to savings and whatnot. So, can you give us a breakdown of, you know, how much should go where, what percentage should go where, just to help you, you know, help someone out here? Yes. It's in the book. It's in the book. Because that's all, it's a bit diverse. Because there are those people who can adapt different budgeting areas. Exactly. Yeah. So, if you're there, the common one is 50, 30, 20. Yeah. But that is so common. So, what I've done in the book, I've tried to at least simplify it. At least you can do 20% on housing in terms of the rent. You can do 10% on off-wood. Okay. The basic gross service and everything. And then 10% medical, I mean, health insurance is becoming expensive each day. Yeah. At least you can allocate, out of your portion you can allocate 10% and at least get a health cover that you can be paying on a monthly basis. And then you can do savings 10%. Then you can do school fees. This is where the mistake that mostly we do. We tend to do, some of us we tend to do, we do our rent sometimes 50%. And 30% school fees. Then we have only 20%. So, it's remaining. And if those people who don't have a kid, their lifestyle always, you'll find if at all, they're not the usual with their money, you'll find them paying even 60% of their income to rent housing. Yeah. So, that basically, investments should go with 10% transport and entertainment, like, that one should take 10%. I mean, 5%, not 10%. 5%. Yeah. Emergency funds should take 5% and also tax or charity 10%. Wow, amazing. Yeah. Very practical. So, when you get your salary, you will just, you've already done your math. And you know, this math goes into this, this math goes into this. I'm remaining with this. Yeah. Most I can use if I'm buying my own personal, you know. Yes. Whatever, clothes, you know, if I'm going out, blah, that helps you, you know, as you go on with life. And I love it because you've said, you know, you've mentioned that for people that don't have families, you know, you might be single and you're earning good money, but you're spending 60% on rent. So, that's a waste. So, it doesn't really matter whether you have responsibilities or not, you are supposed to go with the same, you know, the formula is still the same. It applies to everyone. Yes. Okay. Yeah. So, sometimes we find that, especially the age bracket of 27 to 35, rather. Yeah. So, that is most of, rather 25, these days people are 25 to 35. That's brackets. Most of us haven't yet started having maybe families or, you know, and we started careers, so we're earning good money. Yeah. So, what we always do, the biggest mistake is, we shoot our lifestyle apps. Yeah. So, maybe you are in a one bedroom somewhere or a bedsheet or somewhere, you just, I remember a big salary, it's time to shoot when the after, who could do, you know. Yeah. Yeah. Yeah. All right. So, it's important to plan, regardless of the status that you're in, whether single, whether in a relationship, whether having a family, you know, or whatever it is that there is. Now, I'm looking at some of the table of contents. We have black tax. So, how, how about a reallocation to black tax? Because we didn't mention that. There's always that. For people that don't know black tax, maybe you can explain that to us. You also help us know, because, you know, I've had people complaining and some people even blocking family because it's too much on them. It wins them down. So, maybe you can talk to us on that in a bit. Black tax is basically helping the people we are related to or associated with or even the society that we come from. So, all the time is just tracking your money and sending, tracking and sending. And so many people have been affected with that and we find people blocking each other like you've said. And people like, ah, we are on an issue. You see all those things and yeah, that is basically what black tax is. When it comes to allocation, everyone has different responsibilities. So, I wouldn't really mention or rather say the exact portion that you're supposed to send it to them. When I was doing this, I, I mean for their locations, maybe you can take, depending on, you know yourself and you know the responsibility you have to your people. So, depending on that, you can be able to at least maybe see where you can, you can lessen and put it out there. But what I can advise people on when it comes to black tax, when you do like, if I'm doing 10% maybe I'm paying for my sibling school case, I'm paying for my parents, I provide for my parents in terms of food and their livelihood and maybe society wants me to do Haramdis for the upcoming charges and everything, you know. What you can do with your, if you've decided to to say it 10%, let it just be 10%. Go sit down with your siblings. Tell them, you know what? Every month I'll be sending you the 5,000 and that's it. I can do, I can do any more. More than that. More than that. So, it's up to now them to budget with that. And you should stick to your word. Go tell your mom and your dad, every month I'll be sending you this. I can't do no more. Like apocatikati, let your mom not call you and say, oh, hello, does that mean if you can it will be 2,000? Keep to your, to your, ah, ma'am, say it will be every month I'll be sending you guys 10,000. That's it. Okay. When it comes to cousin, I always, I won't talk about that. You're helping your cousins and all that. I just let them know it's a strict burden that you have. Don't feel guilty when you're not helping too much because you're also forgetting yourself. Yeah. And now for example, I'll combine this. If you are out there and you're helping your parents, especially with the food that they are eating, like all their basic livelihood, it means that they never change for their retirement. Mm-hmm. So when you want to end up like them, you're depending on your children. Yeah, on your kids. Like I met a friend who told me like, me, a retirement, no, no, no, no, no, she's around 30 for years. Mm-hmm. Because I'm educating my son and I'm taking him to very good schools. So I won a retirement plan young, but you see the cycle will always continue and we have a very high percentage rate of people retiring going there. Very poor. Is it in 287? Mm-hmm. Yeah. So the cycle will continue and black tax will never end. Mm-hmm. So, yeah, it's, it is something that we can actually end up with. Yeah, we can. Yeah. Yeah. I guess if I say, no, no, no, mom and dad will just have this normal. These are the ones that I keep on sending in between them and why can I just allocate it on the side and I put on my retirement plan. Okay. And retirement, people should start saving immediately when they just earn their first income, but we mostly don't do that because to no longer it costs. Well, it's faster there. Yeah. By 20, by saving for retirement. Yeah. Like you're saying, you're supposed to start with your first salary. Yes. Wow. And also on black tax, there's also the, somewhere I was talking and we were discussing. Mm-hmm. The last person who doesn't know how to say no. You know, we have the personality. Yeah. And Kabisa, you, you don't know how to say no. So what I do is someone asks you to send them maybe a thousand. Because you don't know how to say no, do the other. Tell them, give them a timeline. Tell them I don't have it now. Give me a week. Mm-hmm. Yes, you know, you can, but give me a week. If they persist, you know, after a week, someone might, but if they persist after that one, which you tell them, I'm a bit pressed, send them half of that. Okay. Send them the 500. Mm-hmm. So that next time, those ask you for a thousand. They'll ask you for 500. Because that is what you provided. Mm-hmm. Yeah. It's a simple way to, you can, at least you can, Yeah. You can hear around it like that. Okay. Yeah. Quite interesting. You think that someone has mentioned that to me before, so it's actually a thing that works. It actually works. All right. Yeah. Quite interesting. Now, for this dad, how do you manage your financial situation if you're having, you're paying loans and what you're getting is also not, you know, not much. How, how then do you make sure that you stay afloat? When it comes to loans, actually discussing the books, there are those good loans and bad loans. Rather, we call them performing and unperforming loans. Mm-hmm. So it all depends with what type of loans we have. And most of us, we have, we have, we have, we have, we have, we have, and most of us will always have the unperforming loans. Rather, the bad loans. Mm-hmm. You find yourself, you're in, I want to name, name the app, but you find yourself so much into this mobile, digital learning app. Yeah. You, you, you're in almost all of them and what you find yourself doing, pay check, fee card, and the only thing you have to pay them, but because it's not enough, you have to borrow them again. Mm-hmm. And let friends continue and you feel like you're drained or even you find yourself you're into Shylock. Exactly. And Shylock are really killing most of the people who are salaried. Mm-hmm. Because they're really demanding and they, and they, I was, Yeah. Yeah. Like doing a 5% every month is, that's not. Mm-hmm. Yeah. So what this person can do, if you have a venture like a Sparko, and if you're not there, at least join one. Mm-hmm. Go take a big loan. At least negotiate the terms. Come with that big loan or set all these small loans. Mm-hmm. But they leave all those up. At least you'll remain with one, one loan too, to pay for the, for the Sparko. And you'll have, at least manage to remove all these. Okay. So the Sparko, or rather for the, I don't know, depending on where you get maybe credit facilities of, or other, areas, maybe organization, some organizations give loans. Yeah. At least you'll find, you'll find that the interest in loans will be around 8% to 14%. Mm-hmm. That's manageable. Mm-hmm. Compared to all these others. With that one, at least you'll be knowing, you have an exact amount of loan that you're paying. Yeah. Yeah. Okay. Yeah. And like just keep on paying. Yeah. And from there now, you can be able to allocate this remaining amount from the things that you would want to engage in. Mm-hmm. Yeah. And if you maybe come up, or rather come across, how would we call it? Mm-hmm. Maybe a chunk of huge money. These are new, we call it, I'm forgetting. Yeah. You come across. Mm-hmm. Always try to accept the principle. Okay. Yeah. Instead of like, next week, we'll cut up on that, say, 203. Mm-hmm. So that's what, I'll do this. No, no, no, no. Take that 200 Okay. Yeah. Actually, it will reduce Yeah. Yeah. Yeah. All right. But at the same time, there are those good loans. Mm-hmm. Mortgages, or pylons, I mean, they are good loans. Yeah. I actually wanted to ask you about the good loan. So what's the difference between the bad loan and the good loan? A good loan is a loan that you're taking that is beneficial to you. I won't say your lifestyle, but is beneficial to you. Right now, for example, I take a mortgage. I'm starting to pay my rent. So that's a good loan. Mm-hmm. So as much as I'm paying it, actually, it, when it comes to housing, the same percentages will still go Okay. to my mortgage. I need, maybe I mean sales. Sales people will need cars, most, mostly. Mm-hmm. Especially maybe if you're in real estate, you're in insurance, you'll always need a car. So it's an investment on your end, because instead of doing one point to another, a car is an investment to you, to your work. Mm-hmm. So if you take a loan to get that car, that's a good loan. Okay. Bad loans are these ones. If I'm, I'm walking the street and I'm a shuholic by the way. Mm-hmm. And I say, it's good to you. Right? I have to have this one. Mm-hmm. And I say a good show. Mm-hmm. Instead of me, I hadn't budgeted for it. Mm-hmm. So the only thing I know, I'll just go to Miami, look, I need to pay for this. Mm-hmm. I'll borrow that money and I guess we should have that. All right. I go maybe somewhere. Mm-hmm. We go out. Mm-hmm. We are doing maybe glasses of wine and a few words. Mm-hmm. And I've surpassed my, my, what had come, my targets or rather my budget for that night. Mm-hmm. But we are continuing and continuing. So I enter one of the app. I borrow that money and I pay. Mm-hmm. So bad loans are basically the ones that are satisfying your gratification immediately. Okay. Yeah. All right. Interesting. Yeah. I hope you've taken a lot of that. It only takes a good loan if you have to. All right. Now, you've also spoken about financial goals, goals setting. Tell us a little bit about this. Goal setting is after knowing your financial personality, it comes down to financial goals. Mm-hmm. Because you have to have them. And you can most of us make the mistake of having way to ambiguous goals without applying. Mm-hmm. So the basic one is yes, you have all those loans that actually group them. My short term goal, medium, long term. Long term. My career goals, my relationship goals, at least group them all. You know. And then now start write them down. Mm-hmm. Because the mistake that you do is just having them in our head. Write them down. Mm-hmm. Every, if I always tell my clients or rather everyone, if you write them down, stick them to your wall where you wake up. And see it every morning. And see it every morning. Mm-hmm. And if you have kids and family or partner, they can see your goals. Okay. And then when you write them down and everything, start breaking them down. Like now, for example, the fridge. Because that is the one I use most. Because Kitambo, maybe you were living alone and now you have a family. You need to breathe that fridge. Yeah. That is, if you have that goal, write it down, write the amount, write the timeline. Mm-hmm. In seven months, I want to have achieved that goal. So start how much do I need to be putting aside to achieve this goal? Mm-hmm. And once maybe the seven months lapses and you see like, you see yourself, it's okay. I'll add the two more months. But after the nine months, at least take that goal, it's a dance. Yeah. Yeah. So that is short-term goals. They are basically one month to 12 months, or maybe they can extend to 15 months. Mm-hmm. Then we come to medium-term goals. They go to three to four years. Yeah. Three to four years. And most of these goals are like, maybe you're saving for a down payment to get a house, a car, a club, those things. Yeah. Long-term goals are the ones that go beyond five years. Five years to lifetime basically. Okay. What type of goals are there? Home ownership, pension, college fund. Mm-hmm. But let's leave home ownership because it's also another, you know, I can decide I'm renting my whole life, but college fund, pension, those are some of the long-term goals that most of us should have. And when it comes to like college fund, at least have an idea of where you want your kids to, to go to school. And at least have the numbers of those schools. Mm-hmm. And at least factor in inflation. Oh. Five to eight percent, yeah. And then put that value on your long-term goals. Okay. Yeah. Just keep you motivated when you have a plan. Yes. When you have a plan, at least do the best thing that you can. But you can, I have, we, I first have a journal. We have a journal. So you can put it, you can write it down in your journal. And that journal is your secret safety that when you open like this, at least you have an idea of where you head into. Career goals. It's all of the advice that most of us should shift jobs after three years or three to four years. Mm-hmm. If you, yeah, if that is your next ladder or something, yeah. If that is your goal, write it down. Write down the companies that you want to work for or rather, yeah. And when you write them down, at least you'll be monitoring if they have an opening event. You know, at least you can keep on applying for them. Never tired to do that. That is on the side of your career. Or you want to open that business somewhere and you have just been postponing. You want to open this and this type of business. Have I written a business to man? At least go step by step and analyze yourself in terms of that. Relationship goals. Maybe you're already in a relationship or you're not in a relationship. I don't like talking about that side because I know I don't know much about it. That's your first day. Yeah, that is not my side. But at least write down the goals that you want to achieve in that relationship and see what both of you want. Okay. But I know that you really do. And now when you're just talking about relationships and I've thought when you're in a relationship is this advisable to have a joint account? You know you might be so in love with young people you know married yet. Is it advisable to have a joint account? And when married is it also advisable to have a joint account when married? What I can say when it comes to joint account if you're in a relationship I don't know much about that because I don't want to put myself in a fix but I can talk about if you're married. If you're married yes it's advisable. If you both open with your finances it becomes easier for you to focus on your family. So having a joint account is good but also have your own account and also have my own account. This joint account can be we can be putting our emergency fund there. We can be putting our key trust fund there. And then the basic one our bills there. So you can always the long-term ones we can do maybe elect money interest for both of you. And always remember to do a certain sign because of succession in case of anything happening. Okay. Yes. But the basic current account can be for bills can be for traveling, vacations and all that at least it's always advisable to have at least a joint account here. Okay great. Awesome. Now how do you work for someone who's single and you know out there which are the best investment opportunities or areas that they could explore for a youth? Mm-hmm. When it comes to investment it's a bit diverse. Okay. So the liquid side of investment and is the asset side of investment. So the liquid side you've heard government is opening a new bond. I think we did and it came to like 17%. You can do that. You can invest in bonus. You can invest in shares. You can invest in money market. You can invest in unique linked products. You can invest in businesses. A business is also at least an investment venture. And on this other side you can invest in real estate. Yeah. I think that's interesting. But what I always tell people is on why we invest is to have passive income, right? Mm-hmm. So if you're a youth and maybe like your maybe 30 years try as much as possible. Maybe you're earning 100,000 when it comes to the salary side. Mm-hmm. Try as much as possible to have the side to have a passive income by the time you're maybe 40 that is almost coming to double your salary. Yeah. Yeah. So in that line you'll be at least good. But at the same time let's remember it's not always about business because passive income most people think it's just about business. The some of us who are not business-minded people. Mm-hmm. So if you're not a business-minded people I mean person always remember to do if you're a corporate person purely continue climbing the ladder. Mm-hmm. You know that can be you continue you need skills you need knowledge you need to go back to school go do all those that side of investment is for you because yeah. Mm-hmm. Because you're not the business-minded person you've tried two businesses in the back file. Yeah. So that is not for you don't trust it too much no I'm the corporate kind but I don't need to be stuck in the same place. Right. Go back to school guess your masters do that all those things. Mm-hmm. Yeah. At least yeah. Yeah. Yeah. And as we as we come to a close on this how do you attain okay we we have forgotten about all of it but just some sort of a summary attaining financial freedom how when do you get to the current where you say I have attained financial freedom or what is financial freedom? Everyone has different financial freedom mentality. Mm-hmm. First go sit down and write what type of financial freedom is for you like what do I think my financial freedom should be looked like there are those people who would want to retire and know working at all at 45 but if you get there how would you want that life to be? So having a having financial freedom is basically you're not stressed about going to work you're not stressed about you have the time you have the freedom to do anything that you want with your with your with your money that is yeah that is most of the basic having a financial freedom that is looks like but also it's not the same like has been actually I want to be working now you'll be working but it will always be under your thumb mm-hmm yeah but there are but there are those people who prefer not alone different for different people yes but that that freedom doesn't control you can make your decisions yes you're not limited by money basically yes okay and I almost forgot to ask you know sometimes I don't know if it's a personality maybe it could fall under the same you save so much you invest so much and you do not appreciate yourself at the end of the day you use so much money on saving and maybe other things but you you forget to yeah I've talked about vacation planning but I feel like most of everyone should take time out and at least go somewhere and mm-hmm just just take care of you and think that you that is everyone should do that I know those people who just they invest but at the end of it all you just spend that person will always be clogged with a lot of things in their mind take two, three days go out on a pay for it actually mm-hmm go out on a vacation you don't have someone to go with go on yeah travel solo you know but it always helps and mm-hmm it's one of the basic things that I always tell people too to do mm-hmm and if you have like a group of people you guys can be traveling buddy mm-hmm do a target like every two years or you know every day every year we should be going out somewhere and just unwind and we go out and when you travel not thinking about business or their own but no it's don't forget do not forget yourself yeah yeah yeah okay I'll ask you the question of the day well the one that we're asking everyone it's a bit different of topic a little bit but just want to get your view on it what's the most exciting business trend or innovation observed and how is it impacting the business people the most exciting business trend or innovation you've observed I just came across carbon investment mm-hmm so that is one thing that is really getting into my head carbon investment is basically those people who are maybe planting trees and selling the carbon to I mean selling that space to factories that release all these gases because they need these emissions because they need that they need that actually okay so it's something that it's something that has shattered and it's quite things that are good by the way okay and it's in the environment yeah in the long run yeah in the long run you're saving the environment so it's being bad in you bad in you the business all right thank you very much for your view and thank you so much for your your nuggets I'd like you to say something to the youth that are watching and also mentioned where people can get you if they need all these services or yeah if they have a question or something like that so this is the camera all right to everyone watching I would want you to at least have the best relationship with your money stop hitting that job that you are in because of the pace at least gets to understand your finances very well and in that it will help you and guide you to achieving your finances or rather to achieve your income in the long run you can find us in our social media platforms at Japez Financial Solutions in Instagram, LinkedIn Facebook TikTok and also you can will be watching us from our YouTube channel at Japez Financial Solutions and if you want a copy of the book it's a very good guide or rather a tool you can also just DM us on the social media or just do a text on WhatsApp at 07 43 00 222 and yes the book goes for 1500 okay yes but for the viewers for today at least I'll give them at 1200 all right so if you just say why in the morning you can ask when you buy it and you do the WhatsApp and then you will get the discounted prize inside the number 07 again 07 43 00 222 okay or you can come to our offices at View Park Towers for sale okay thank you very much for the amazing nuggets that has been the teacher who is the founder and CEO of Japez Financial Solutions also a financial consultant and also I'd like to ask about initial planning and management I hope you're getting something from it now you just take a sub break but more stick with us