The SUPER Superannuation Episode

Super funds are a complete minefield my friends! But don't worry... I got you covered in the SUPER superannuation ep. 

There's a lot to know, and you got questions - so I cover 'em all in detail.

And for all my babes across the seas in UK, USA and more - be sure to shoot me a DM on insta https://www.instagram.com/mswealthyofficial/ or write in at [email protected] if you want your pension and 401k download too! 

Kiss My Money and Ms Wealthy exists purely for educational purposes only and should not be considered financial or investment advice in any way. Remember to do your own research and consider things like fees, performance, insurance, your risk profile and how a super fund aligns with your values and objectives before making a change to either your investment mix or your super fund.

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If you want to keep on earn more and make more money you're in the right place. I spent over 10 years learning from the most brilliant minds in money, wealth, and investing to take myself from 20 K in debt to a seven figure investment portfolio. Join in. As I share the secrets towards more growth, money investing and ultimately freedom. My name is Simone, miss Huggins, and welcome to ms. Wealthy's. Kiss my money podcast.

Welcome back to another episode of the kiss Imani podcast. Thanks for being here. Gorgeous. My name is Simone Masa Huggins, and this episode is such a biggie. Wow. I get so many questions about this and I wanted to put it into one app because I answered the same questions often. And then sometimes they're in different groups and sometimes I've done that on Instagram or on Facebook or wherever, and I just wanted to consolidate it all so that you have all of the information. And it's also because you know, some of this stuff you will know and then some of it you won't at all. And some of it is also just, you know, we're not told we're not taught it's unknown. Um, even if you consider yourself to be pretty financially savvy. And so I really wanted to put like all of the information in one place.

So you're fully informed about what to do about super it's, a WTF about super, and I'm going to be answering all of the questions I get and probably cover some things that you don't know. Now, if you are in other countries outside of Australia, like the UK or the U S then can you do me a favor and DM me, or shoot me a message at hello at ms. wealthy.com or like, you know, catch up with me on Instagram, whatever, if you want specific episodes done on 401ks and Roth IRAs in the U S or for pensions in the UK, because this is purely for super for Australians. Okay. So before we dive in, I need to say quick, disclaimer, none of this is financial advice. I'm also not a tax accountant. You guys, so take everything I say with your own research required. Okay.

None of this takes into consideration your financial situation, your needs or your goals. All right. So now that that's out of the way, the very first thing that I want everyone to do is make sure if you haven't already to check that you don't have multiple super accounts, there are actually 6 million people in Australia that two or more super accounts, which means at least 25% of the population have two or more, which means that you are paying double the fees. And I'm going to talk about fees because I know it sounds like kind of boring, but Oh my God, does it make a difference in how much you are left with? And honestly, like what you actually give away, if you are charged even just half percent more in fees. Uh, so making sure that you are not one of the 6 million people that have multiple super accounts, because also what happens is when you have a super account that has low amount in there, for example, $5,000, and it's not touched for years and you're still paying fees and you're still paying insurances as well.

Because if you are not aware, you pay insurance inside your super fund by default, then essentially what happens is what is called ghosting like a ghosted account, meaning just over years, it'll eventually be eaten up. Um, because the performance return on such a low amount is eaten up by the fees and insurance premiums. And so if you have multiple accounts, you're paying double insurance and you can't claim on double insurance. So honestly just literally Google and you can do it. I think pretty sure it's run by the ACO. You can Google, um, uh, lost super, and it will come up with multiple accounts. You can also do it within your own current super fund because it's in their best interest. They want to make sure that everything's rolled over into your chosen fund so that they have more money sitting with them. So making sure that you do that now, there are two there's two point $7 trillion in super funds in Australia, which is an obscene amount of money.

So even if you think that right now, you're not an investor, and maybe you've been thinking about joining investing bootcamp, and you feel like you're not quite ready yet, or you feel like it's just too scary or daunting, or that investing is just not for you. You already are an investor. If you have a super fund fun fact. And over, over 50% of that two point 7 trillion is in the share market specifically in shares. So, uh, most the majority of super funds, uh, the two point 7 trillion is in the share market, but only about 50% are in shares specifically. So other things, other assets, for example, like cash or bonds or fixed income assets or property funds, uh, commodities, many other different options. Now what's confusing here is that there are over four or 500 super funds available, which is so confusing. I mean, how can any of us make a decision about what's right?

Because that is an obscene amount of choice. And I want to talk about the very first thing about the difference between, uh, the two different types of funds and why it matters and what the glaringly obvious differences are. So that you're informed. And this is something that not everyone knows about. Even people that have come in and joined investing boot camp, and I've told them if they weren't aware. Okay. So I don't want to assume that everyone knows this. Now there are two main differences. One is called an industry fund, and one is called a retail fund. And retail funds are essentially run by banks and insurance companies. And it means that the profits, the excess profits go to the shareholders. So they're run by literally like retail institutions and the profits go to shareholders, which is great if you're an actual shareholder like an investor and you own that company.

Uh, but not if you have your super list, like with them, you, your Superfund with them. And the difference between an industry fund is that industry funds pay all of their profits to their members. So they prioritize and make sure that their profits go back into the pockets of members. And this is why the top super funds in Australia are pretty much all retail, uh, sorry, industry funds. Um, even I'm getting my words mixed up. Uh, so the industry funds and I'll go through who they are, uh, so that, you know, sense of that you can sense check against your fund as well. Uh, because most people have a choice depending on if you're in government, you don't, but most of us, we have an amazing law in Australia. That means that you choose your own super fund, which is amazing. And, you know, by the way, guys, I know that so many people can look to any government really, and make complaints about how they're running it.

Right? However, Australia is looked to as being one of the countries that have a setup around super and retirement, that other countries envy we are looked to from other countries as being a bit model to like, look at how well we've done it. So whilst I'm sure many of us have complaints, it's actually an incredible system for us to have forced savings and investments for retirement. Because as you know, I've spoken so many times about how, just because you're a saver doesn't mean your investor. And if you save, but don't invest, then you never actually wealth accumulating. You never actually creating a financial freedom fund. And so it's forced investing, right? That the, the trouble that we run into around that is that most people don't even know how their money in their super fund is invested. And that comes from obviously lack of education, or you just haven't researched it yourself, or it's complex and confusing and all the jargon which I get.

Uh, so that is, I guess, when most people run into trouble. So most of the time by default with whatever fund you choose, uh, often it is put into usually a balanced fund. And that doesn't mean that it's right for you. It's just a fund that's in the middle ground. And balanced means a mix of a balance of different asset classes. Meaning it's not all put into a hundred percent shares, it's put into different assets. Most of the time, a balance between shares and bonds, meaning fixed income or a defensive asset, but that's not relevant for everyone. It's only relevant for you based on your risk tolerance. And based on your goals, based on where you are in your lifecycle, like financially now, often your needs come into it when we're individually investing like outside of super, but this isn't so relevant in a Superfund, because particularly if you are in your thirties, that doesn't matter.

You need your financial needs about what you actually, you are required to service in your actual household. For example, if you have four kids in one income, then your needs would come into play, but it doesn't with sober because you can't touch it, which is great because it means that it's forced investing. And if it wasn't there, I can tell you with 100% certainty and confidence that there is no way we would have two point $7 trillion of super, there is just no way people would not invest themselves. Uh, because what we see with the data around people actually choosing to invest personally, is it's like, it's so low. You guys, uh, only really the rich do it because they know that that's how you get wealthy, uh, or people that realize that financial freedom is something that they're really committed to and they go out and seek it.

And so the positive is that it's forced. And the other positive is that you can't touch it until at least preservation age, which is 55 for most of us, um, otherwise retirement age, which is 65. Now, the other thing I wanted to talk about is that when you put in super it's taxed at 15%, okay, so it's not taxed at your marginal tax rate. So you might be charged, you might be taxed at 20% or 30 or 35, or that the highest at like 48 or whatever it is. So when you put money into super it's taxed at 15%, now there is a cap of how much you can actually contribute, which is $25,000. And so for high income earners, if you reach this cap, if you go over this cap, then you are a taxed at your marginal tax, right. Which means that you essentially have to pay back money, uh, which almost makes the entire thing completely pointless aside from the fact that when you put money into your super account and it grows, and when you reach retirement or preservation age, you are not taxed on the capital gain.

So I know that there is, that was just like so much textbook right there, but essentially, so say for example, you wanted to invest personally, right? And you're like, well, I'm not a high income earner, so I could contribute additional amounts into my super cause. I don't hit the hit that, you know, that top bracket of 25,000. So therefore, should I, the question I get often is should I put more money into my super account because I get that tax break, right. Um, so say you're taxed at 20% for example, but when you put it into super you're taxed at 15, right? So the difference is you save therefore 5%. So you can put in an additional 5% into your super fund, but then the upside is that you are not taxed on that in 30 years time or in 20 years time when you take it out.

So the benefit could look like, therefore it's better to put it into super here's the downside. A you're very restricted in what you can actually invest in now at different super funds will allow you different options. So just because you choose a super fund, um, doesn't mean that every single one of their fund options within that super fund is low fees, for example, uh, which is a very common misconception. People think that just because they're with one of the top funds that therefore they're safe and protected, and they're not charged high fees, but that's actually not true at all. There are plenty of the top funds even that have funds within that, that have really high phase. So that is one thing to consider the fees in super funds, Oh way higher, way higher than if you personally invest yourself. I mean the right way, like properly learn the right method to invest.

And most of the time for most super funds, they don't beat the market. So a paying higher fees and B you don't get the performance. So what that means is even though you are saving some, you know, you're getting a little bit extra in terms of percentage extra in your super fund, two you're a little bit further ahead, over a period of time. So over like decades, you could end up not being further ahead or even further behind if you're paying a higher and higher fees to have that investment. And then B um, the lack in performance, and you might think that 1% or 2% or half a percent doesn't really mean that much, but it does. If you've watched my investing masterclass, which I run, I run it as a webinar. And often I do it kind of before I open up investing bootcamp for people to get familiar with just like the very, very, very, very basics of investing.

I talk about fees in there, right? And I talk about the difference between half a percent and literally 2%. And it is the difference over a period of your investing life of over a hundred, almost $150,000. So that truly one and a half percent makes all the difference. So what are the things to look for? So I want to give you a like a really quick example, for example, I'm just choosing BT, which is B or BT super, which is run by Beatty and they are a retail fund. Okay. Which means they're run by a bank. Their profits do not go to their members. They go to shareholders and I want to point out some of the different options within beta. So they have some fond options where their, where their fee percentage is like a lot of them are actually, well over 1%, they have some that, uh, in the 0.7 ish or 0.7, 5% range, which if you can get a fund within your super fund that is around that range, then that is great.

Okay. Uh, but then there are plenty of funds within Bateaste SUPA, uh, that, uh, well, over 2%, there's actually one that have a total fee percentage of 2.3, 1%, Holy crap. That is high. You guys like insane. Like that is actually insane. It's almost three times the amount of really what you should have as, you know, in terms of a fee percentage for your Superfund. So why is it higher? So for example, for the funds that charge higher fees like that, they are what is called active funds, right? And so what the difference between active and passive funds being that essentially an active fund has actual people trying to stock pick. So trying to speculate and guess, and assume, and beat the market. So they have physical people that are called fund managers, active fund managers, and they are trying to pick the next winning stocks, right.

They're trying to be the Warren Buffett or whatever of the world. And they're trying to pick what the best next stocks are. And here's a fun fact for you. I say this a lot, but to make sure that if you haven't heard it before 96% of active fund managers, don't beat the market. Now, when I said the market, I mean the index, and you can invest in the index in like in just like an index funds or ETFs, right? So 96% of active fund managers don't beat the market. And the reason they hire they charge higher fees is because their expectation is a to beat the market, but B you actually have to pay you. And it's not just one person. Usually it's a team of people that are, have their full time job is to consistently spend all of their time analyzing, um, different companies and trying to pick what, which ones will be winners.

Um, and therefore trying to beat the market. Now, 96% don't beat the market, but some do consistently over time, only 4%, right. But I am talking the best in the world, meaning people like Warren Buffett and his fund with Berkshire Hathaway, but it costs millions of dollars to buy into his fund. And even if you were to buy a Berkshire Hathaway share just in his company, that's not even the fund just in, into his company, just one share costs around $300,000. So it's actually pretty price prohibitive. Um, and to give you an example of that particular fund within, inside BT, uh, that charges 2.3, 1%. And there's another one that charges over 2% as well, both active, uh, in terms of that fund over the last six years, it's been running, it's only beat the market three of those six years, and it's lost three of those six years.

And when you actually compare how much they've lost compared to how much they beat it by the, I don't think they're actually ahead. And then the kicker is, well, then you end up spending no one to 2% to even two and a half percent more than you bought. If you just invested in non active funds, meaning passive funds that track the market, uh, which means that most of the time, you are not further ahead because you pay so much in fees. And then the other thing that often is hidden is that with active funds is even if you pay 2.3% or two, whatever, they often charge 10% of any thing that they beat the market by. So if they beat the market by 1%, then they, they actually take another 10%. Um, so, but what happens is you're still paying the fees on the years that they lose, right?

So just because they lose money on other years, doesn't mean that you don't pay fees. So if you can already tell I'm pretty much against active fund managers, I'm pretty against active funds. Obviously there are some that beat the market consistently over the long term, but 4% means that you do pay a higher premium for them. And often it has a higher buy-in. Uh, but the biggest thing to really note here is that you need to understand how the fund is made up and make sure that you understand how the asset allocation is made up within the fund that you're choosing. And if you don't know the answers to those questions, then this is where some research comes in. This is also what I teach in depth inside investing bootcamp. And so what you actually also learn as a personal investor, you can apply the same knowledge to all of your investments, including your super, uh, so I want to talk just briefly about why it's so important, particularly for women to get super clear on all of their investments, including the super fund.

And this is why when we look at the stats for how much people have on average, in their super fund, by, by like age group, there is a significant difference between men and women and a because the gender pay gap is real. You guys be it's because women, well, we take time off to have children. And during the period of time that we are not working, we obviously not paid super because super is a percentage of your annual salary. Currently it's 9.5%, but over the next five years, it's going to turn into 12%. So from next year it will be increased at 10 and then every year after they will continue to increase, increase it by a 0.5 of a percent until we reached 12. Because if you haven't guessed nine and a half percent is not enough to fund your retirement, um, to be really clear about that.

So I even also talk about inside an investing boot camp, how much you should ideally be looking to put aside of your total income to start saving, to reach your point of what your financial freedom number is. Uh, so for the average balance for men and women, and please don't use this as a comparison to beat yourself up with, like, this is not to make yourself feel bad. If you don't have this in your super fund, like, please don't use this as like, Oh, I'm not as good or whatever. Um, this is just so to give you like a bit of a benchmark, right? So for men age, between 25 to 34, on average, they have a hundred thousand dollars in their Superfund. Whereas for females in the same age bracket, they have almost 70,069, 69 and a bit thousand. So the difference is $30,000, a 30% difference, right.

Which is fricking crazy. And then for males, 55 to 64, they have on average 330, 2000, whereas females have 245,000. And this is why it's so important, a press to close the gender pay gap, but for B, for women to become, even as invested in their financial future and committed to their financial education, financial literacy, and committed to investing, because even the numbers that we see outside of super, um, more men invest than women, but also more men invest more money than their female counterparts. And this is why this topic is just obviously the entire business is centered around my ms. Wealthy is centered around financially, educating more women to that I can encourage and empower and inspire you to take control of this and make this a priority because Holy crap, it's a priority. Right. Um, okay. The other thing I wanted to talk about is the question I get so much is what about an SMSF versus just using a Superfund and here's the benchmark to kind of use as a rough number when it comes to SMSF it's about, around about the total of 250 to 300,000 that you need to have for an SMSF to make any financial sense because of the management fees, the management fees, meaning what it actually costs to run like w to actually cost, to use, um, a semester off accountant to do your books and to regularly like manage it.

The phase often, at least for set up are a couple of thousand dollars. And so when we look at that as a percentage, you know, I've spoken about the difference in fees and what to look for, uh, w w what's the benchmark essentially is when that is used as a percentage, like if you're paying a couple of thousand of dollars every year, and even for set up, then it needs to be a considerable amount of money for it to even make sense, because if you're paying that on a $50,000 balance, right, or even a hundred thousand dollar balance, like that's true to afford a percent, which is way too high. And so any additional gains that you might make out of a super fund, uh, definitely eaten up by the phase to actually run it. And then the second part part is you actually also need to know what you're doing, right?

So an SMSF is not, it's not meant to be used for speculating because, or stock-picking because as you've just heard 96% of fund managers that do it as a full time job, don't beat the market. And so it's really important to be really clear about what your intentions are, what your goals are for an SMSF, obviously you can buy property and other, other things like that, but that com then comes down to a question of looking at your overall portfolio as a whole, and to check in as to where the property needs to be part of your entire asset allocation, to match your goals and risk tolerance, um, as to whether you actually need an SMSF. Anyway, obviously you have more flexibility in what you can invest in, but there are also plenty of super funds that enable more options. So some super funds are pretty rigid in their offering in terms of what you can actually invest in.

Other super funds are not so rigid, right? I've covered a lot that I've covered like so many different things. But the other thing I wanted to talk about is the actual top, uh, industry funds. Okay. So that you have a bit of a guideline on what the top performance are. So the top, uh, super funds for fees and performance, and, you know, just support and member options, uh, Hostplus, which is probably one that you have heard of, if you follow a bear for an investor, he talks about the first festival all the time, uh, Sunsuper rest Hester, and QSuper. So they're pretty consistently the top five, um, industry funds. Um, but again, not all options within each fund are created equal. There are plenty of funds inside host, plus that have well over one Oh one and a half percent of fees for different options.

So the one that is talked about a lot about when it comes to host plus is their balanced fund, but then you've also got to consider that, well, does the balanced fund actually suit you? And if you are in even your twenties or thirties or even forties, and depending on your risk tolerance, the answer is potentially not. Um, so you could look to be getting higher return if you actually invest based on your risk tolerance. So there are also plenty of different options within the other funds that have multiple options. So they're not all created equal just because you're in that one fund. Um, total transparency. I am not personally with Hostplus, but I am, uh, I am with one of those top five, right? So it's important to make sure and check who you are actually with a, either a retailer or an industry fund B, what fund within your super fund are you actually with and what fees are you paying a and C what is the asset allocation?

And does it actually match you and does it like suit you and what you want and what your, um, you know, target is, and then see, to make sure that you check in also, sorry, D make sure that you check in with your, what you are paying and being covered for when it comes to insurance, because within each super fund, you are also paying insurance premiums. If you haven't turned them off, um, which is life, uh, sorry, income insurance, TBD, total, and permanent disability. And in some cases also life insurance. So coming to a decision around whether you want slash need all or any of those three different insurance covers within them now that is outside of actual just investment fees, right? So then what you're charged for insurance is separate to your investment phase and what to look for is it's most of the time made up of a couple of different things.

One is called an investment fee, and one is called an indirect cost ratio. Um, and then they also have management fees, right? So sometimes a super firm will charge a flat management fee of like, you know, what, like $95 or $200 a year or whatever, and some charge percentage, then you will always be charged to performance fee, which then makes up your total investment fee, um, then your charge transaction costs and then operational costs, right? So they make up two main things, investment fees and indirect cost ratio. And essentially they, they total the total of your entire fees that you pay on the balance of your super, um, so performance fees can vary from zero to, you know, literally half a percent, uh, management phase can vary from, you know, 0.02 to over 1%. So there is such a massive range. And like I said, just a reminder, the difference in even half a percent is literally tens, if not hundreds of thousands of dollars over the course of your investing portfolio life lifecycle.

Right? Um, so it's important to make sure that you look at all of them when you're choosing what you invest in. There was so much, I hope I've covered everything, and I hope that I've included absolutely everything when it comes to your super fund and SMSF, and the S and the questions I get on this, but really the most important thing is to make sure that really, you just have the clarity, and you're clear about the decisions that are being made for you, or that you're making for yourself because often it's done by default for us, and it's not in our best interests. And the more that you do this, the more that you become even more financially empowered, right? The more you step into you being like an empowered financially literate woman. Um, now the other thing just lastly, I want to cover off is, you know, it's very current right now.

So if you're listening the year's time to this episode, then who knows if it's still relevant, but is this option to take out up to $20,000 of your Superfund? Now, I really want to encourage you to please reconsider if this is something that you are looking at doing the reason for this is I've spoken about compound interest before the impact of even $10,000 is actually over a hundred thousand dollars on your future net worth or net wealth. So $10,000 put into the Sharemarket compounded annually. You don't touch it. You just leave it that you don't even add additional money or additional contributions. You just leave it to sit. There ends up turning into a hundred thousand dollars with the performance of the share market. And right now you might be going, yeah, well, somewhere, and right now the market's down. And, uh, you know, so I should take it out.

No, this is actually the worst time to take it out, because any reduction or any, anything that we've seen a decrease in value in the share market, which we are currently now seeing in end of April, 2020, um, is only temporary. Every market crash is only temporary. We always see a rebound. We always see a bull market that follows it for years afterwards. This is just, this is cyclical, cyclical. It happens, right. And the only way that you actually lose money is if you bank that loss, meaning if you take money out, but it's the value or the, in your current super fund or a current investment portfolio is only theoretical right now, because it will always rebound. It's what the economy is designed to do. Okay. And so firstly, you're banking in a loss, which you don't like, which only happens. You only take a loss if you actually bank it.

And then secondly, it turns into over a hundred thousand dollars. And then if you take out the total of 20,000, that's literally becomes close to, or over $200,000 over the, even more over the course of your investing life. Now, obviously that differs and depends on what you invest in and how old you are and how much you have to retirement age and all that kind of stuff. But regardless if you take it out, you're banking in that loss. And so I really want to encourage everyone listening to please reconsider because there are over 360,000 people that are registered that interest to take out this money from their super fund, which is forecast to total over $27 billion. Now, obviously that's only 10% of the two point 7 trillion. However, that is actually a crap ton of money to be taken out that could turn into literally trillions down the line, right.

Collectively obviously. Um, so really, really just like reconsider the actual impact because you know how at the start I also spoke about how the impact of taking out your money from your super fund. For example means that later down the line, you can't touch it. So if you know, things are tied or we want to pay for credit card, or you want to press loan, or you just want, I don't know something, then you can't actually touch your super, which is designed in a great way, because it means that it's protected where most people don't have the personal, um, self-control, let's call it, right. Whereas when it comes to something that is, you know, a credit card or a loan or something that you want, that you have to pay off or save for, then you're going to be more self motivated to do it right.

Rather than something like I can pretty much guarantee that most people won't take out 20,000 and then later down the line next year, deposit 20,000, like that's pretty much guaranteed not to happen. So it's a way for you to keep those funds compounding for your financial freedom. Now, obviously I encourage more and more people to invest outside of their SUPA more and more and more because you can control everything that you personally invest in, uh, outside of super, but just in terms of this option, you know, from a money mindset, like point of view, I know that so many people are feeling anxious and pro you're probably feeling stuck, right? And if you have credit card debt and you're paying, you know, 10% or 15%, you might be like, well, this is a way out for me to like, avoid that. But there is so many more downsides, not only that making decision to me, it's never worth the hundred thousand dollar impact that it could turn into, right.

It's a quick fix with very little return other than paying off that debt, for example. Right. And so actually working on a money plan and money management plan is the most important thing to do to make sure that you're financially set up and not just looking at a quick fix thing, not just looking at a short term thing, like actually working on a, your money mindset, but B your money management practices to make sure that debt eradication happens at is permanent, because this also comes into the money mindset factor around why so many people, why the majority of people that, um, come into lottery windfalls actually ended up losing it within two to five years, because they don't have the money management practices that don't have the money mindset that actually enables them to keep their money. Right. And so I don't want this to be a quick fix thing that then just happens down the line, and then it's never actually the underlying thing is that not actually fixed.

Okay. So please consider it and, you know, post in the group or DME on Instagram or whatever it is that you need to do, if you just need to like double, triple sense, check that, you know, the impact on your financial future around this. All right. Is that enough? I hope so. I hope that that has been enough for you to cover off and get clear on so that you can kind of step into more financial empowerment, empowerment around this. Cause, Hey, we are not taught any of this. It's not like given to us as a handbook, right. We just like given this super fund and no one ever really tells us like what our actual options also remember too, that your super fund have most of the time, they have people that you can call within your super fund and just talk through your options and they can make it a lot clearer about what your options within your fund are. What have the lowest fees, you know, like, and you can actually usually talk to someone completely cost free, um, because that's part as part of the phase that you pay to be part of that fund. So I think that a lot of you probably have some action steps from here. Uh, so I highly encourage you to get on the bag and run wagon right now and to go and do them. And then I will see you next week. My gorgeous bye.

Thank you so much for tuning in today. Way if you have loved this episode, be sure to drop a review on iTunes and make sure you screenshot it and send it through to me so I can keep sending you and keep giving you more per class and keep sharing the love. Also, if you haven't connected with me yet on social media, make sure you follow me on Instagram at ms. Welty official, even more content. I love connecting with my babes there. Otherwise I will see you next week. Another app.