Sometimes the barrier to entry with investing comes down to vocabulary: What’s an ETF? A bond? A stock? Simran Kaur is here to get you started if you have never invested before. She is an entrepreneur and founder of the platform Girls That Invest. She brings concise, clear, and actionable advice on where to start if you’re new to investing, and debunks some of the “common knowledge” many women have been fed about their abilities to manage and invest money.
Hey besties, Hello Sunshine.
Today on the bright Side, we're giving you a crash course in how to start investing with Simron Kor.
She's the founder of.
Girls That Invest and she's here to give us the building blocks to smart strategic investment. It's Monday, November fourth. I'm Danielle Robe and I'm.
Simone Boyce and this is The bright Side from Hello Sunshine, a daily show where we come together to share women's stories, laugh, learn and brighten your day.
Simone, how is your weekend? What's up with you?
Oh, it was a really big weekend around here, obviously coming off the Halloween holiday. But I took this weekend to finish a lot of projects around my house. It is something that I'm working on. I have a lot of unfinished projects that I tend to do, but we finished a lot of them because I wanted to get my house ready for the holidays and update my photos on Airbnb.
So have the photographer come out.
We got new photos with all the finished projects, and I'm feeling so relieved.
And not believe that post Halloween weekend with two children, you figured out a way to get your house together for new Airbnb photos.
I need to see these.
Truly a Halloween miracle.
And since it's the start of a new week, it's time to kick things off with an on my Mind Monday.
On my Mind Monday.
Is brought to you by Missus Meyers Clean Day, inspired by the goodness of the garden.
What you got, Danielle.
Okay see money on my Mind is love? You know I'm love Lushie Gushi girl. I Love Love on my Mind this Week is an article by Daniel Jones, the editor for the Modern Love column in the New York Times. Modern Love is a really important column that was started years ago, and it really captures the complexities of relationships, and I think readers have gravitated towards it because it's not trite at all. It ranges from heartwarming to heartbreaking. It talks about connection and intimacy and evolving and sharing and so Daniel has been the editor of Modern Love since it launched twenty years ago, and so for this big anniversary he published his biggest takeaways from all those essays, and this one is titled seven Ways to Love Better.
I love a good list like this that just crystallizes a bunch of information into something that's super digestible.
So what stood out to him?
So I actually want to acknowledge one thing he didn't say because none of the big takeaways, none of the seven are communicate more, which I thought was sort of interesting because we always hear great relationships are all about communication. Instead, he focuses on the nuances of communication. So his first tip was, our curiosity is more appealing than our accomplishments, Like the best way to connect with someone is by truly listening and asking questions so that we can understand them on a deeper level. We should try asking what was that experience like for you? And it starts a more meaningful dialogue.
Okay, So on that note of curiosity, I remember there being a Modern Love article that went viral. It was all about the questions you should ask to fall in love.
Yes, the thirty six questions that lead to Love was the most popular article that Modern Love has ever published.
It broke the Internet. I still refer back to those questions sometimes.
Okay, going back to your original article entitled seven ways to love better. What else did he find?
Okay, this one was probably the most interesting to me. He says that relationships don't have to last to be good that people can bring positive things to our lives, but the relationship itself doesn't have to be permanent. I've been thinking about that a lot lately, because we think about a quote unquote successful relationship as one that's like a long lasting one.
Why is that the definition?
I totally agree, especially as human life expectancy has increased, relationships were never expected to last for like the entire span of the lifetimes that we're living now. It's kind of a wild concept that we expected to last this long.
Totally agree.
I feel like I've had relationships that have been six months long, two years long, five years long, and they've impacted me so greatly. I wouldn't call them a failure just because they didn't last exactly. So another thing that Daniel called out was just being present with the people you care about. Yeah, for some people that's their main love language, quality time, right, But I think that there are just so many distractions around us that it becomes really powerful to give somebody your presence. I always tell people that I think it's like the greatest gift you could give me.
Most people can go out and buy a gift. I actually don't think that physical gifts are the most thoughtful thing that you can do, or even the most costly thing for you.
I think you're right. I think your time is the most costly gift that you can give.
That's a bar okay.
In the spirit of this article, what is one thing that you think you can do this week to show the people in your life that you love them.
I'm going to go with it's something that I think about a lot with my kids, being distracted on my phone or having emails coming through, so I'm constantly just pushing myself to be more present with them.
How about you.
I think I'm going to do something like very proactivey. I'm going to text one friend every morning something really specific about them that I love and just check in and say HI.
Maybe even a family member. I need to call my grandmother. Actually, now that i'm thinking about.
It, well, I'm really happy to start this week talking to someone who I love and have been very inspired by. Her name is Simron Koorr, and she's actually an optometrist turned angel investor. She's here to explain why women are actually better long term investors than men, and she's going to help us become more confident investors ourselves We'll be right back with that conversation right after the break.
Thanks to our partners at missus Myers, you can learn a lot about a person by their dish soap. Missus Meyers's collection of household products are inspired by the garden and pack a punch against dirt and grime. Visit missus Meyers dot com and we're back. Simron Koor is a Tedex speaker, investing columnists, and the founder and co host of Girls That Invest.
Let's bring her in, Simron, Welcome to the bright Side.
Hello, thank you for having me.
Okay, you guys are pretending like you don't know each other? What's happening here?
Was that too professional?
That was so professional? You guys are friends.
We are. Every time I come to LA I get to say hi to Simone.
I talk about you all the time, all good things, and I'm happy to meet you because I've been hearing about you from Simone.
I want to start by quoting you. You've said you can invest your way to wealth rather than saving your way to wealth. Ooh, this cuts so deep right now, especially when millennials none of us can afford homes. So how do you go about investing while still enjoying your life and spending on the things you want. A lot of people have a hard time knowing when to spend or save.
Oh, that's a good question. My family would always say to me, get a good education, then get a good job, and then with that job, save and somehow that was going to meant to lead to like house and a car and holidays. For so long growing up, I thought that that was the right way of doing things, and I really got into the mindset of saving. Like one year, I decided I was just going to save as much as I could. I wanted to buy a house, and I was like to make a home deposit. I need to live off nothing. And so I was a friend that would go to like the ice cream store with my friends and I just wouldn't order ice cream. I would just sit there as they ordered, and I'd just be there for the vibes. Or I would go with them to a cafe and I would bring my own like reusable cup with my own hot chocolate in it prepared. I was not a friend, clearly, but I thought that that was the way to grow wealth. And I very quickly realized you can only save to a certain slaw. I can try and save five thousand dollars a year by doing nothing and spending no money and not having fun and not having those holidays. Or I could find a way to upskill in my job, get a ten thousand dollars pay rise and invest five thousand dollars of that money. That's going to leave me so much better off and I still get to enjoy. And I think that shift has worked really well for me personally.
I think it sounds like a little bit of a deprivation mindset. Yes, I used to be an avoidant mindset. I used to be a money avoid and a few years ago I just felt out of control and I realized, I don't feel that way with food. I don't feel that way with other things in my life. Why did I feel it with money? I was really interested to learn that you didn't study finance in college.
In fact, you're actually an optometrist.
I did not come from a financial background.
So this makes me feel like we all have hope in understanding investing because I'm curious how financially literate you were before you put the hat on of finance expert.
Absolutely so, where I'm at now in my life is I am an angel and venture capitalist investor. So in New Zealand, I put my money in think of like private companies before they go public, like Uber before it went to the public markets. But before I got to that stage of my life. I'm South Asian. I grew up and family that was like, get a good job, something stable, and live that life. So I became an optometrist. And in our university they would encourage us to take papers outside of our domain and they'd be like, hey, take a few electives and things that are different. And I thought, well, I don't have a financial background, but I'm interested in getting better at my own finances. And I fell in love with it, and I was like, wow, this is so interesting. And I went on and did a few more executive education papers. So Yale offered one on financial markets. I was like why not, Like what do I have to lose? And I realized it's one. It was not as hard as I thought it would be, because I, you know, was of the mindset of like I like biology. I like science. I'm more of a stem girlie than a finance girlye. And then it just was so interesting to me that everything in finance was actually really easy. And simple to understand. It was just the words that they were using.
It's covered up in confusing words, right, yeah, and.
So like even do you know, like when you see on like a tech Crunch article and it would be like so and so company has raised like thirty seven million dollars or valued at fifty billion dollars and you're like wow, like that's amazing, what does that mean? And all it meant was like a company has gone to a venture fund and they have given them a check for ten million dollars. Raising capital just means getting money, but they don't even want to use words like that.
Well, this is one of the reasons why you wrote your book though, right, Samron, was to demystify these terms.
Absolutely, being able to sit down and say, Okay, what do all these terms mean? And therefore, what can you learn from it? And there for how can you use it in action? If I cannot come from a financial background and learn it, then I feel that like everyone else should be able to as well.
Okay, I want to go to some terminology. Yeah, can we do that? You're going to be our dictionary today.
I'm so excited. Okay. ETF ETF stands for exchange traded fund, and that is a basket filled with lots of different companies, kind of like an index fund, but the cousin of an index fund. So you've got a basket filled with lots of different companies. Usually it follows an index or in indices, and that might be the top two hundred companies in Australia, so the A six two hundred, or the top five hundred companies in the US, the S and P five hundred. Maybe you're in London and you're looking at the top hundred companies there, and that's the foot Sea one hundred basket filled with lots of companies as opposed to trying to pick and choose individual shares to invest in.
And what's the difference between an ETF and an index fund.
An index fund came before an ETF, and that was created to have this basket and everyone was like, yep, sounds good. John Bogel made them popular. He's the founder of Vanguard, which is why Vanguard is still so popular to the state. And he was like, look, this is the best way to go. However, trying to buy an index fund is like trying to buy a brick. You have to buy the entire brick. You can't buy like half a breake, you can't break it apart. And an index fund might be four thousand dollars, and so that's a lot of money to put away just to purchase one fund. So an ETF was created to mimic an index fund, but it can be broken down to even one percent, so you can own like a little slice of that index fund, and that might be a dollar. So your one dollar can get spread across five hundred companies and that's a really good deal. But an index fund, you would have to buy the index fund at the full price.
How about stocks versus bonds?
So when you think about investing, you might say to yourself, I am not sure how much risk I want to take. And stocks versus bonds are like two different sides of the same coin. They're both investments, but one is lower risk, lower return, and the other one is higher risk, higher return. A stock is just a small piece of a company. So you might say, hey, I really like Apple. I want to own a little piece of Apple. I buy one share of Apple, and that is me owning one very small piece of the actual company. Now there's millions upon like hundreds of millions of Apple shares, so you own it. One share doesn't mean you can go in and be like, guys, I own this Apple store.
So because you.
Technically do change things around here.
Yeah, I'm gonna move things around, but you are technically a shareholder of that company, that's awesome. A bond is when you get to act like the bank and you give out a loan to a company or the government and you say to them, I'll give you one thousand dollars because they need the money, and they'll say, thank you so much, simon, I will give it back to you, and I'll give it back at a two or three percent interest rate as a thanks. You will definitely get your money back, and because you know that the government is probably going to give you your money back, it's only at two or three percent, so lower risk, but a much lower return than let's say seven percent with a store.
How about capital gains, especially with the election coming up, that's a term people talk about.
With capital gains tax as well. So capital gains is one of the ways that you can make money in the share market, but also through property investing. If you buy one share of Apple and it's one hundred dollars and by the time you sell it it's two hundred dollars. You've made a one hundred dollar gain. The value of that one share has gone up one hundred dollars. You don't have that hundred dollars in your bank account to go off and spend. That is just the value that that share has increased by. When you sell that share, you then draw down that money and now you can go and spend one hundred dollars.
Can you describe the difference between active versus passive investing?
Oh, that's a good one. Essentially, an active investor is someone that says, hey, sim I want to invest in companies that I think are going.
To do well.
I'm going to do my own research. I'm going to actively try and figure out what the next Amazon is, what the next Apple is, what the next Google is. And so fund managers are active investors because they're picking and choosing what's doing well. They're putting in a lot of time and effort, and they're going and meeting companies and looking at research and trying to figure out trends. And the active investors' theory is, well, if I can peck up where the wind is blowing. Then maybe I can put a lot of money into something while it's small, and then when it grows, then I can cash out, like finding Apple before it was big. A passive investor is an investor that says it is actually scientifically very difficult to prove what's going to be big. We can have theories, we can assume, but realistically, what research has found is that ninety two to ninety five percent of professional fund managers don't beat the market. So ninety five percent of people that are doing this actively the best of the best over a fifteen year period. They can hope and they can try, but it is very different to figure out what is going to do well, and not many of them do. And instead, I'm going to invest in a broad market index fund, which is a basket filled with lots of companies.
And it's like the S and P five hundred, like the SMP five hundred exactly.
At the end of the day, why try and pick a winner when I can invest in the top five hundred companies in the US and that lets me take out the average. So I'd rather be average and know that it's going to work. Which is passive or active? Is I'm going to try and pick and choose, but the likelihood of me getting it right is a lot lower. But if I get it right, it might make me a lot of money.
I started investing because of your girlfriend, so thanks to you, I'm just following all your notes. I'm definitely a passive investor. I try to set aside. Whenever I get like an unexpected sum of money that I wasn't planning for, I try to set that aside and just put it into one of my favorite.
Kind of money unexpected.
In that vein the percent of our income should we be putting aside to invest.
We always say to our community of investors that listen to the podcast, you can live in an area like LA and most of your income is probably be going to something like rent, or if you live in another part of the world, maybe you have a little bit more income. So I don't think a percentage based number always works. I always say ten percent is a nice to have number. But if that's not something you can do, don't be discouraged. Even if you put fifty dollars a week or fifty dollars a month, that's a good place to start, and then over time you'll start to naturally realize like, hey, I don't really enjoy doing these other things as much. Maybe, but if it comes like a game and then you start pulling money from other places and investing more of.
It, we have to dig a short break, but will be write back with Cimarron Core. And we're back with Cimarron Core. Danielle, you brought up how gender plays into this conversation, and Simron, it feels like you've really built an entire ecosystem on this concept. You've created a space where women who want to become investors feel like they belong and there's actually so much to celebrate from the perspective of being a woman who is an investor, Like we're actually fantastic investors. Women make more from investing than men, women lose less money, women are less impacted by emotions when making investing decisions, and also female managed hedge funds are more likely to beat the market. All things I learned from your book. So what does it mean to invest like a girl?
I love this question because it is just like the absolute summary of everything I stand for. But to invest like a girl comes from this idea that when you think of what an investor is or a successful investor. You think of a guy in a suit, usually someone that's had like an ivy leagage location, and you think, gosh, that doesn't look like or represent me. However, when you look at the stats like you've shared, all things point to the fact that women are really good at investing. Studies have found that we make more money in the market, Studies have found that we lose less money in the market. And it comes from the way that we naturally are. And so when we look at how women invest, what we see is women are more likely to say, you know what, I'm investing for the long term. I'm gonna put money in something like an S and P five hundred fund and I'm just going to write out the market. Whereas and this is obviously a generalization, but in general, men that start out investing will go, oh, let me try and peck and choose winners. Let me try and actively invest. And of course, because passive investing is historically something that has been better long term, women become better investors. Also, female investors won't pull money out of the market as much. We'll go, you know what, I'm just gonna leave it there. I'm just gonna let it do its thing, and I'm not even going to log in to my investment account. Like, how often do you guys log into your accounts?
Probably every other day, okay, just to check. Yeah, I just like to see what's happening. Did I win or lose that day? How often do you?
I don't check ever, I don't check maybe every couple of months, but I used to check every day.
What are you saying? What does that say? I'm not changing my investments.
No, but that's helpful.
Yeah, I'm not pulling out. I just like to see.
The studies have found that women check on average once a week and men check on average five times a week Monday to Friday. And what they found is the more you check your investments, the more you're likely to want to pull money out or move things around, and that's where you end up losing. So it's okay that you're not moving your money, but the less you check, the more it's out of sight, out of mind. The Fidelity did a study to look at who had the best investment returns over a ten year period, I believe, and I found the bast and vestas were held by accounts of people that had passed away.
Because I went, that's hilarious, that is so funny. I see that dynamic in my house.
I don't. I rarely check our stocks.
I check it, you know, twice a month maybe, But my husband almost every day is like babe, babe and videos down in videos down, babe, or the next day it's like in video's back up, we're going to the moon. We're going to the friggin moon. It's a lot to keep up with. It's a lot of emotional volatilities. Well, you actually started by investing pretty small amounts from your paychecks, right, That's so inspiring to me. You know, there's real power in just starting something and not waiting. And that's exactly what you did and how you got here.
Today, exactly like I was in university, I was still studying. I was a student. I obviously didn't have a lot of money to begin with, but my goal was I want to have enough money to be able to purchase my first home, and so buying a little bit throughout Uni, and when I started working, it compounded and then I was able to take that as my deposit and purchase my first home. And again I tried doing the saving. It didn't get me there. Any faster. It was the investing that worked for me.
Let's talk financial wellness, Cimarron. Because I can hear our besties wheels turning right now.
They're probably like, Okay, this all sounds great.
I would love to invest, but I got debt, I got student loans, I gotta pay off, I got a mortgage. For someone who's never invested before, paint a picture for us of what healthy financial wellness looks like so that someone can invest in an empowered way.
If you are listening in and you're like, okay, I'm ready, I think there's three things that you want to make sure you have ticked off before you begin investing. I think the first one is definitely making a plan to get rid of any high interest and you'll find a lot of financial advisors will agree with this. Anything that is above seven percent with an interest rate on your debt, that is bad debt. We don't like that kind of debt. So often this is credit card debt, this is car loan debt, but this might not be like your mortgage, or this is probably unlikely to be the student loan debt that you have that's seven percent debt. Anything more than seen percent let's pay that off first. And the reason being is if you have a dollar, you want that dollar to work really hard for you. And if you put that dollar in the share market, you can expect that about the so to annualize return of that dollar is seven percent in the share market. That's what the S and P five hundred usually brings if you average it over twenty years. And so if my one dollar can make me seven percent and usually only up to seven percent, then if I'm losing more than seven percent on a credit card or a card debt, I want to pay that down. My dollar won't work harder in the share market then it would to pay down that debt. So we get rid of that first. We can still keep paying off, but we don't have to wait until we have finished paying off the debt that is less than seven percent. Imagine like a line that is saying seven percent debt. If anything has a interest rate of more than seven percent, we pay that.
Off, right, that's what we pay off first.
Yeah, we hate that. That's not our friend. That cannot sit with us because that is losing us lots of money.
Yep.
Second thing that you want to do is you want to make sure that you have a good idea of how much you are making and how much you are spending. Understanding your budget helps you then visualize and figure out what you need to do differently, because if we can't measure it, then we can't improve it. And I've never enjoyed looking at my bank account and seeing where the money is going. But having a rough idea at least gives me some understanding of am I improving and also where is it all going? And can I move some stuff around so that I've set myself up for success. And the third thing that you want to do before you start investing is setting up automatic payments. When you get your payday it comes in on let's say a Monday. Every month, you want to have something set up where some money goes into a separate account for savings, some money goes into a separate account for your bills, some money goes into a separate account to invest in. And again that might only be like fifty dollars a week, but doing that automatically means that you're not investing money that's left over. You are investing money at the start of your pay cycle, and so you're investing in yourself you're paying yourself first, before you pay your landlord, before you pay the other bills. You want to make sure that you're taking care of you.
There's something so effective about not even having to negotiate with yourself about where that money is going, and it just leaving the account and going to the right place without you having to sort of think about it contraxactly.
And what I'll do is I'll anything that's left over in that account for me, that's my spending money for the week or for the month. So if I have let's say a couple of hundred dollars in there, once that money is spent, I'm like, okay, well that was my budget. And that's like how I keep myself in check while still paying myself first.
How do you do that? Though? That's so hard.
I know that's what the fiscally responsible person would do, but it's hard to do in practice.
I think that it is so difficult but so important to sit financial boundaries with your friendships and with the people in your lives. It seems like mean and hard to say, hey, I can't make it anymore, or we're going through like bridesmaid season right now, so it's really different. I mean, so much money is spent on like one weekend away.
Yeah, yeah, and yet don't get me started on them. Although I do want to push back a little.
I think sometimes particularly when we talk about money with women, we talk about cutting, and we talk about just kind of like we're asking three dollar questions instead of asking the question which maybe is thee hundred dollar question, like how do we make a little bit more to invest instead of not going to that dinner?
I like that.
Yeah, I agree.
I think there is a space where I mean, it also depends on where you are in your journey, Like if you are naturally a safe that you probably don't even need to worry about these things. Whereas if you are someone that feels that they are always spending and they're underwater all the time, living out outside of your means. It sort of depends where you are. But I would say the average person that's lessening hairs probably yeah, asking one hundred dollar questions.
Right, Yeah, everything was in reason, right, you know, like if the bachelorette party is two thousand dollars and that's a lot of money, then maybe you can scrimp a little.
I agree. I think you just need to have boundaries with yourself and know what's okay. Also, if you're a people pleaser, that's a financial like issue just waiting to happen.
Well said, we want to leave our bright side besties with some practical tips they can use to really start investing today.
Let's say if they wanted.
To, what are the investment sites or apps that you would recommend for someone who's kind of just starting out.
If you are getting started and you're like, Okay, I want to begin, but I'm not sure who to trust or what places to look at, you might feel a little bit overwhelmed if you go to something like the Wall Street Journal. But I find that looking at your general news sources is a good place to start. Gives you a good idea of where things are going, as opposed to honing down and looking at specific money media. That's what I like to do. I like to look at some news from what's happening in the US, the UK, Australia, New Zealand, and it gives me a broad idea of what's happening around the world because a lot of our political conflicts and global conflicts impacts where the markets are going. Second thing that we love to do is we have a newsletter where we share updates about what's happening in the share market from lots of different sources, and we explain it in a very simple way, and that's called our Stock Market Tea. And where we get that information from is those global news sources that we kind of pull together.
I think that there's generally a mindset with people that think the stock market, or buying a home or contributing to a four oh one K are the best ways to invest and grow money. What are some other ways that you think we should all be exploring, investigating, even thinking about.
I would say if you are someone that is investing, putting your money into your four oh one K, and developing your career, those are like the three pillars that I think any person needs. So I'd say the final one is probably the one that wasn't mentioned. I truly believe, and this is kind of looping back to the start of the episode. It is so much easier to make ten thousand dollars in your company, whether it's your side hustle, a pay ride upskilling, then to find a way to save ten thousand dollars a year.
I love your content on Girls That Invest and I find it so inspiring because to me, the through line between everything that you post is freedom. It is advocating for women to embrace their own freedom through growing their own wealth. You talk about like, how now you have the freedom to maybe extend your vacation a day or two if you want to because no one's breathing down your neck, or you can go get your nails done randomly on a Thursday morning at ten am, and.
That is so powerful. Get specific for me.
What did you daydream about when you were younger that you're living out now.
I believe in manifesting, and I wasn't woo woo kind of growing up, but I think I'm becoming more woo wu with time. I made a vision board when I was younger of the life that I wanted to live. My vision board included just being able to travel and go to places in what I really wanted to see Big Bin, which was so weird in hindsight.
As in the famous London time telling device the way you said that.
The clock. Yes, I wanted to see the clock in London and.
Didn't live up to your expectations.
Absolutely, it was on my vision board. It was this beautiful tower and I was like, I just want to see I just want to see big Bin. I grew up watching a lot of like reality TV, so I, oh, you can't laugh at this. Oh, I would tell this, tell their story, sim the Beverly Hills sign, just the Beverly Hills sign. It was in so many TV shows. I was like, I want to see that one day. So I added that to my vision f So I had all these places, and I had things like I wanted to be able to own a nice car, and I wanted to be able to like support my family, and I wanted to be able to be financially free and financially independent, not have the requirement to work a nine to five forever, but to have more freedom in my schedule and ability. But at the time that was like my dream. And I remember the year after going, oh, some of these are ticked off, and the year after that more were ticked off, And it got to the point where I had to make a new vision board because I'd achieved everything that was on there and it was no longer inspiring. It was now my life. But it just goes to show where you start off and what you hope you can achieve. It's very difficult to get there if you are not constantly thinking about it and reminding yourself of it. And so I think there is a space for visualization and manifestation in the money space. And yes it sounds woo woo, but I generally think it works.
M hm, Zimron, thank you so much for coming on the right side.
Thank you for having me. This was so fun. I love that talking about money isn't just numbers. We've also spoken about like the holistic side of money, but it goes to show it's so intertwined in every part of our life.
Well said.
Simran Core is a ted X speaker, investing columnists, and the founder and cost of Girls That Invest, a book, newsletter and podcast.
That's it for today's show. Tomorrow, it's election Day. We're talking with doctor Martha S. Jones, history professor and author of Vanguard, How Black women broke barriers, won the vote and insisted on equality for all. Thanks to our partners at Airbnb. Join the conversation using hashtag the bright Side and connect with us on social media at Hello Sunshine on Instagram and at the bright Side Pod on TikTok oh, and feel free to tag us at Simone Boyce and at Danielle Robe.
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See you tomorrow, folks, keep looking on the bright side.