The Sugar Daddy Podcast
Ready to normalize talking about money? Then welcome to The Sugar Daddy Podcast. Every episode will get you one step closer to your financial goals. Whether that is learning how to invest, budget, save, retire early or simply make better money choices, Jess & Brandon have got you covered in a way that's easy to understand, and easy to implement. Tune in as they demystify the realm of dollars, so it all makes cents, while giving you a glimpse into their relationship with money and each other.
Brandon is an award winning licensed financial planner, and owner of Oak City Financial, with over a decade of experience and millions of dollars managed for his clients all over the United States.
New episodes published the first three Wednesdays of every month.
The Sugar Daddy Podcast
86: Rethinking Your 6 Month Emergency Fund
Layoffs, inflation, and rising costs are rewriting the rules of emergency savings. In this episode, Jess & Brandon break down why the old "3-month cushion" no longer cuts it—and what you actually need instead.
You’ll learn:
- Why experts now recommend a 12-month emergency fund
- How to separate wants vs. needs when calculating your savings target
- Why investments ≠ emergency savings (and what to do instead)
- 5 practical strategies to build your fund faster—without burnout
- How to turn a daunting goal into doable milestones
Whether you're starting from scratch or leveling up, this episode gives you a clear, no-fluff plan to create real financial security in uncertain times.
Listen now and take the first step toward peace of mind and real financial freedom.
Visit prenups.com/sugardaddy to learn more about fair prenups that help couples plan for a healthy financial relationship.
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This episode is sponsored by Prenupscom. The truth is, every married couple has a prenup a set of rules that defines your legal and financial relationship with your spouse. You either choose your own rules or use what your state gives you. At Prenupscom they write prenups that actually help couples stay married. Their specialty is fair prenups that help couples plan for a healthy financial relationship. Don't let the state decide your marriage rules. Make your own. Visit prenupscom. Slash sugar daddy to learn more. That's prenupscom. Backslash sugar daddy and get the prenup that helps you stay married. Already married, no worries. They do postnuptial agreements too. That's what Brandon and I did after eight years of marriage.
Speaker 1:Prices are creeping up again, and if you're already feeling stretched, this episode is your wake-up call. With new tariffs shaking the economy, now is the time to build a serious emergency fund, not someday now. In this episode we're breaking down what's really going on with inflation, why the old three-month savings rule won't cut it anymore, and five smart, doable ways to start stacking your safety net fast. Because peace of mind, that is the ultimate flex. If you've ever felt behind overwhelmed or one unexpected bill away from panic, this episode is for you. Hey, babe, what are we talking about today?
Speaker 2:Today, we are talking about our emergency funds and why we need to get them looking right yeah.
Speaker 1:Unfortunately, we are in, I would say, somewhat unprecedented times. Oh my gosh, every time somebody says that a unicorn dies.
Speaker 2:But the focus of the episode today is, as you said, on emergency funds. I would say that this is one of the first steps you should have when it comes to bettering your financial situation and I would say most people, this is the stuff they don't have in place yet.
Speaker 1:Yeah, like what? One in three Americans can't cover a $400 emergency.
Speaker 2:I think it's more than that maybe, but something around there.
Speaker 1:It's, it's sad and emergencies constantly are happening. You know, like literally remember how our parents used to be like if it's not one thing, it's another yeah, it literally is always one thing or another I mean it is never ending yeah, that's adulting, unfortunately oh my gosh, I'm so over it.
Speaker 2:It's the worst yeah, and unfortunately, with the way the economy is working now, or not working, I would say that it is actually more important than ever to really focus on making sure that you have an adequate emergency fund.
Speaker 1:Well, and not to mention, obviously, the cost of everything is skyrocketing and you can't get out of the grocery store for under $100. And then you walk out and you have two bags in your hand and you're like, wait, what did I just buy? And these are just snacks for the next 48 hours. I mean that's ridiculous. But then also just life in general. I mean the layoffs are. They just keep coming. And I mean, if you're paying attention at all, you probably have somebody in your circle who's gotten laid off, whether they're at a big company or they work in nonprofit. I mean it's just scary.
Speaker 2:Yeah, and a good portion of our country doesn't understand what the word tariff means and how it affects them personally, as far as their pockets go. All right. So the basic breakdown is is that a tariff is a tax on imported goods and, to clarify, the country that the goods are coming from is not paying the tariff. So if we're importing stuff from China, china doesn't pay the tariff. Just to clarify, the company in the US that is importing the goods from China to use in their production or to sell is the one that pays the tax.
Speaker 2:So when a company needs a part, let's say, you know, you have a company that makes phones and a piece of their phone they need to make it is imported from China. So that company pays the tariff, the tax, on that good that's coming from China. So that company pays the tariff, the tax, on that good that's coming from China, and what they end up doing is they pass down that additional cost to the consumer in the way of increasing the cost of that good. So ultimately, who pays the tariff? Us, us, as consumers of products, we are the ones that pay it. You can get upset with me if you're listening to this and saying that I'm wrong. I don't care, because this is not my opinion. This is just what a tariff is.
Speaker 1:Even if somebody is screaming it from the rooftops and saying that the country is paying the tariffs. That's simply just not the case.
Speaker 2:Yeah, if you are listening to the president who is saying the incorrect definition of what a tariff is, you are one dumb or two delusional, because now everyone knows what a tariff is at this point in time it's all we talk about it's not a debate. It's a definition of a word. It's not a debate. What it is, we know what it is.
Speaker 1:It's like all we talk about. I mean, if we had a dollar for every time we heard the word tariff in a day, we'd all be good. Yeah, we wouldn't be worried about them.
Speaker 2:You know, since we are focused on the millennials and elder millennials, you're feeling it in your pockets in pretty much everything that you buy, because, hey, the US imports a lot of things.
Speaker 1:Most things.
Speaker 2:So, for example, if you're looking to buy a home, a lot of our lumber that is used in the building of homes is imported. So when you put a tariff on a country like Canada, where a majority of our lumber is imported, now these home builders are paying more for the materials to build your house and that's going to be passed down to costing more to buy a house.
Speaker 1:And it's already so expensive to buy a house.
Speaker 2:Yeah, and the crazy thing, this is such a simple concept. The fact that there was so much debate around this is just insane, because it's a very simple concept. Yeah, a tariff has been the same since the introduction of a tariff.
Speaker 1:What do you mean? We're not changing definitions. All right, real quick.
Speaker 2:All right, real quick. I want to speak to the person listening who feels like they can't work with a financial planner yet because they're carrying a lot of debt. First of all, I see you and I need you to know. You're not broken, you're not behind. You're just in a tough season. I created something just for you because I've had people reach out who are serious about changing their money story. But the full financial planning package just wasn't the right fit yet. So I built a new service through Oak City Financial that's focused completely on debt reduction no fluff, no shame. You'll get a one-time planning session, a personalized payoff strategy, your own financial dashboard and monthly coaching. If you want extra support while you climb out, it's $300 to get started and $100 a month. If you want that ongoing guidance, that's it. This is about helping you get unstuck, not making you feel like you failed. If this sounds like what you've been needing, go ahead and schedule a call with me. The link is in the show notes. Let's take the first step together.
Speaker 1:Why are the emergency funds, especially now, so much more important than maybe they even were 12, 18 months ago?
Speaker 2:Well, let's first start out with the definition of emergency fund. You know the definition of emergency fund is that you have money to handle quote unquote an emergency. So, with so much uncertainty in the economy and the US as a whole, having more money to get through the unknown, it's going to be more, it's going to be beneficial for you. So the most the easiest one we can think of is layoffs. You know, for example, having a government job it used to be you have a job for life, like, oh, you want, you want something good. Get a good government job, you'll be good to go.
Speaker 2:Not the case anymore, because you have a lot of these government agencies, any company that has some government or companies that had some government funding aspects, and their funding is being rejected. So now they're laying off a good portion of the workforce, and so the emergency fund is crucial. When it comes to experiencing a layoff, the idea is that you have enough money built up so that you can still pay for your needs. Your life doesn't necessarily have to change immediately when you're laid off, because you have this emergency fund built up so that you can pay for your rent, you could pay for your mortgage, you could pay for the things that your kids need, you could pay for the food, the pulling your table, the closing your back. That's the idea of emergency fund.
Speaker 1:And your emergency fund should be sitting in a high yield savings account.
Speaker 2:Yes.
Speaker 1:Your investments are not your emergency fund because you can't access them easily.
Speaker 2:I cannot stress that enough.
Speaker 1:And it's okay, when you need to, to use your emergency fund in the event of an emergency, because that's what you're saving it for. But, more importantly, it needs to be in a high yield savings account and it needs to be accessible.
Speaker 2:I cannot stress that enough, that your emergency fund should not be invested ever. By definition, if you're investing in, it is not an emergency fund. The idea of an emergency fund is that you have a sum of money that is not losing. You know you're not losing the principal that you put in and you could have it easily accessible, without any penalties to access accessing it, be it tomorrow or whatever you need. The idea is this is that you don't know when an emergency is going to come up, so you don't want to have it invested where potentially the market could be down. And now you know say you had $50,000 in emergency fund and you actually invested it instead of putting in a high yield savings account and the market's down and now you get 40,000, but then emergency happens and now you need money and you have less money than you put in.
Speaker 1:Right.
Speaker 2:Yes, so you need to separate your investing money from your emergency savings money.
Speaker 1:And your investing money. Is that long-term horizon?
Speaker 2:right, it's the long game.
Speaker 1:The high-yield savings that you're going to put your emergency fund in is, in the event of a short-term emergency, that you can pull from and access easily.
Speaker 2:Yeah, and normally we used to hear the rule of thumb of three to six months worth of expenses for an emergency fund. I, honestly, have always been operating on kind of more than that when I work with my clients. Now if they say I have a hard line in the sand and they want only six months, I'm not going to argue back and forth with them, but I've always been an advocate for a little bit more. And you know one of the you know, financial, uh, social media influence I wouldn't even call him. He was before social media around. So one of the finance guys, ramit Sethi, always refers to it as a 12 month war chest and the ability just to get through any uncertain times. So I am a big advocate of leaning more towards that one year because basically what it's doing is it's just giving you a longer personal runway for if something comes up that you didn't expect.
Speaker 1:And it's okay if you can't save a year's worth of savings in the next couple of weeks.
Speaker 2:Nobody's expecting that Majority of people can't do that, but again, it's better to save something than nothing.
Speaker 1:So you have to first calculate your expenses, right? I think that's really important is how much do you need to live, to pay your rent, to keep your lights on, to keep your water on, to keep the fridge stocked? How much does that cost you in a month, right? What do you pay in gas to get to work? What does daycare cost so that you can actually go to work? All those necessary expenses? Add them together so that you know this is what it costs for me, to quote unquote live, survive, thrive.
Speaker 1:In a month that does not include your spa weekend and your brunches and the soccer you know like those are nice to have. Those aren't need to have. So if you can cover those in an emergency fund, obviously that's the ideal scenario. No-transcript. Calculate all of that and then start working towards. What does that look like for a month, for two months, for three months, all the way up to 12 months or beyond. If you are in a field that is very volatile or has a high turnover, you might want 18 months. If you are a family that has a lot of expenses throughout a given month, you might want more than 12 months, right? I mean, everybody's situation is their own, but you have to run the numbers and do the math.
Speaker 2:Having a properly funded emergency fund. I cannot stress how important and freeing that can be, because even in times when there is an economic uncertainty let's just say you know jobs are booming, the stock market's booming Having that emergency fund can also allow you a lot of freedom in other areas. So, for example, let's just say the work environment that you're in has turned extremely toxic and that is bleeding over into your own personal life. You know, with your family, your spouse, your mental health, having an adequate emergency fund, I can justify that being an emergency, that you should not be working that job. And even if you don't have another job lined up, you have this emergency fund that can allow you to quit that job and get out of that toxic scenario and find another job.
Speaker 1:That's why some people call it an FU fund.
Speaker 2:Yeah.
Speaker 1:Because you can say you know F this, I'm not doing this anymore, I don't need to be in this relationship. I don't need to stay in this environment, don't need to be in this relationship.
Speaker 2:I don't need to stay in this environment and I have money to give me options because, again, it's a tool and think about how much stress a lot of people carry when it comes to the uncertain as far as like, oh, I might be laid off. I work in a sector where we do have government funding. I haven't been laid off yet, but I might be laid off. If you have that emergency fund properly funded, I think that it could alleviate not all the stress because I still think you're going to have some stress of losing your job but it could definitely alleviate a portion of it because you know that if that did happen, that you still have money to pay your bills and your life can still continue on.
Speaker 1:You have a cushion? Yes, it makes a difference. Well, let's talk about the five ways people can either boost their emergency fund, if it's something that they already have or are actively working on growing, or for the people who are like I just don't have it, like I don't know where I can find extra money, how can they get started? Let's talk about that.
Speaker 2:Yeah, I would say, with the environment that we're in, maybe you know, being more focused on the emergency fund and being a little bit more hyper aware of trying to fund it as much as you can and quicker should be a focus, and there are some ways that you can do this. So first and foremost, you know, cut your frivolous spending. You know all the stuff that you're spending. That's just fluff stuff. You know Uber Eats some of your subscription services going to the spa, stuff of that nature that are wants, not needs. Maybe cut some of those, because then that can free up extra money that you can put towards your emergency fund Right?
Speaker 1:And again, things are temporary, so you might not have to cancel that subscription forever, but maybe you do it for four months. Maybe you go down from five subscriptions for TV to one subscription, you know. Focus on the one where you watch the most and everything else you get rid of for the next six months. How much money can that put back into your pocket? What subscriptions did you mean to cancel that you haven't canceled? What free trials you know turned from free trials into? Oh, I forgot to disconnect my credit card and now you're actually paying for that service.
Speaker 2:Yeah, and I'm not saying that you have to cut everything. That's not what I'm saying, because I still believe in enjoying a certain portion of things today, because tomorrow's not promised. But you also need to be focused on what your goals are and making sure that you are prioritizing those goals that you deem to be valuable. So by cutting some of the stuff, you might even realize, hey, like I didn't even watch this streaming service, why was I paying for it? Or I don't even really miss going to do this or whatever you know, because I mean, like we don't use Uber Eats. But I am sometimes astonished and when I sit down with people, it's more, I would say, it's more single people that when I look at you know their expenses, how much they don't even realize how much they're spending in Uber Eats.
Speaker 1:I mean they, they clearly have a corner market. But the only time we use it is because we get the $15 credit on our Amex. But even then it's very, very rarely used, mostly wasted. But yeah, the added taxes, fees, delivery, I mean it, just it adds up. You know, your $10 Kava bowl is now $27.
Speaker 2:And another area is holding off on big purchases. So, for example, like if you were looking to buy a car, do you need a car or do you want a car? That's two different things. Now, obviously, if you need to buy a car because your car that you have or you don't have a car is the car that you have not working, then obviously you do need to get a car. But do you need to get a new car? You know kind of weighing those options. Or you know if you're going to do a big renovation, if you haven't already saved up money for that renovation, is this a renovation that you need to do now or could you possibly hold off to build up your emergency fund and then do the renovation on a later date? And once again, this is really coming down to prioritizing what's important, because you have to be really good at deciphering between what are wants and needs and sometimes those wants. They need to be delayed in order to satisfy the needs.
Speaker 1:What about? I'm going to push back here a little bit. What about the needs and then the tariffs? Right, like if you need a new refrigerator do I wait.
Speaker 2:Remember what I said. Okay, I said do you need something or do you want?
Speaker 1:something, so this is only for the one, correct.
Speaker 2:If you have a refrigerator that is working, perfectly fine just from an aesthetic standpoint and an upgrade standpoint. You want a new one.
Speaker 1:You're like I want the water and the ice maker. Yeah.
Speaker 2:Or I want all the computer stuff on the front of the touchscreen. That could be a want. If your refrigerator is working, fine, now obviously, if your refrigerator is broken and it doesn't function anymore, then yes, you need to buy a new refrigerator, right? So it's deciphering between those, because I'm not going to call you out, but I'm going to call you out where sometimes you were like oh, let's get this. I'm like well, we already have this and it functions fine. You just want something different of it.
Speaker 1:I want a prettier one.
Speaker 2:Exactly, which is fine as long as you have the money to pay for it. In these scenarios, I'm saying that you haven't saved up for these large ticket items, and it's a want, not a need.
Speaker 1:Right, okay, that's fair.
Speaker 2:Now the next two are going to be kind of counterproductive to what most people hear, maybe on social media.
Speaker 1:Okay.
Speaker 2:So say you have debt that you're paying down and you're making extra payments on top of the minimum payment that you have for debt. Maybe it might be more beneficial at this point in time to possibly hold off on making those extra payments, depending on what the debt is.
Speaker 1:Are you talking about low interest debt?
Speaker 2:Correct Low interest debt, so what?
Speaker 1:10% or less, 7% or less.
Speaker 2:Yeah, around there. So these are going to be things. Obviously, your mortgage, student loan, debt those are going to be the two main ones that we're looking at and maybe you somehow have a refinanced personal loan that's a low debt. Whatever it may be any of the low interest rate debt maybe you hold off on making those extra payments. So let's just say your payment is $200 and you were paying an additional $150 on top of that to get rid of it. Maybe, for the time being, that $150 would be better allocated to go into building up your emergency fund right now.
Speaker 1:Okay, so low interest debt. We want to get rid of high interest debt. That's your credit cards at 27%, right, but these are the things that are already low interest. I know we have a personal loan that's at 0%, so we're making a little bit more than the minimum payment, because I think the minimum payment is like $63 and I usually just pay 100 towards it, but it's really not on my radar. I mean, we have a plan for it, but it's not on my radar when it comes to our overall debts, because right now it's sitting at 0% interest. So you know again, you have to know what are you paying, what's the interest, and make a plan for it. We've talked about that in previous episodes.
Speaker 2:And the other area where you could possibly free up some more money to go towards your emergency fund is 401k contributions. Go towards your emergency fund is 401k contributions, so you might think about lowering the amount that you're contributing to your 401k plan and have that money go into your emergency fund, because you need to remember that the 401k plan is a long-term strategy. But what good is a long-term strategy if you can't make it through tomorrow or the next week?
Speaker 1:Now would you recommend that people go lower than their company match or try to stick with at least their company match, but nothing over.
Speaker 2:I would try to stick with your company match. So let's just say you're contributing 5% to your 401k plan and your company match is 3%. Maybe you go ahead and lower your contribution to 3% so that you are taking full advantage of the company match and the free money that comes with it. And that additional 2% that you had going into your 401k plan maybe better suited to go into your emergency fund. And remember, this is for a time period because you have a um, uh, you have a goal of what you're trying to have for your emergency fund as far as, like you know if you're shooting for that 12 month of expenses, you know that number. So once you've reached that number, then you can start allocating that money back to where it was before as far as going to your 401k plan, paying off low interest debt. So you need to have a plan in place and an idea of I'm contributing this amount, I'm trying to reach this amount. What is that timeframe going to look like, based upon what I'm contributing?
Speaker 1:So it's temporary. You have to wrap your mind around the fact that this is not forever, but we're making temporary sacrifices so that we can sleep easier at night, knowing that we can cover an emergency if and when it happens. And the reality is is it's not if, it is when.
Speaker 2:Yeah, and this is where the strategic financial planning can come into place.
Speaker 2:So, you're not just doing random things and reacting to random things around you. You are actually sitting down and talking about the goals that you're trying to accomplish, problems that you're trying to overcome, the risk that you are trying to mitigate and put a plan in place to attack all those in a strategic way. Because, as we said before, obviously know, obviously investing for the future, for when you want to become work optional, is important, but what would you say is more important Investing for 30 years down the line or getting through a layoff tomorrow? Because I could tell you, if you can't get through a layoff tomorrow, you're not going to have the money to invest for the 30-year period anyways.
Speaker 1:Yeah, because it all has that ripple, that ripple effect.
Speaker 2:Yeah, cause I've said it before Most people, your most valued asset is your ability to bring in a future income. So all the plans and dreams and goals you have in place are often based upon you being able to bring in an income tomorrow.
Speaker 1:Right, if you could leave somebody listening with a challenge for today, what would it be Like? What do you want them to walk away with today to help boost the emergency fund? Start the emergency fund. What are you thinking?
Speaker 2:Well, first, what you would need to do is how much do you already have an emergency fund? Do you already have one set up?
Speaker 1:All right. Do you have a high yield savings account?
Speaker 2:Yeah, and is it the 12 month amount that you need? So most people out there it's probably not going to be that, and that's okay. That is okay Because that's going to be the majority people. They don't have the adequate emergency fund. But now what we need to do is to figure out how much is 12 months of expenses for us. So figure out on a monthly basis what are your needs. You know we're taking out the ones, so you know you go in and get a massage every month. It's not a necessity for those people.
Speaker 2:You can live without it for a little bit, if needed. Yes, so determine what your 20 month worth of needs is and then obviously multiply that by 12. And that will give you the amount that you need as a goal for your 12-month emergency fund.
Speaker 1:But start small Mentally. If that number is very large, don't let that paralyze you into saying, well, I can't have $50,000.
Speaker 2:Start with that one-month goal Right, or start with $100. Start with $1,000.
Speaker 1:Start with that one month goal, or start with $100. Start with $1,000.
Speaker 2:What I mean by that is that I understand the feelings that can come with seeing such a large number, but you do need to know what you need to hit, because then you're just blindly. You're just blindly going forward. So you do need to know what you need to hit, but that's not what you focus on once you know that number. So once you know the 12 month amount, we're not looking at the number anymore, we've already broken down like, hey, what's the one month amount, so that we can hit that the two month amount. And you need to also, like I said, look through your budget to see how much you can actually contribute to that account currently today. All right. And then that's when you have the second step, where you look at areas that maybe you can cut to build up that emergency fund quicker.
Speaker 1:Right. Where can you make short-term sacrifices? Where can you find the extra five, 10, $15 to put into the emergency fund, so that that number is growing towards the 12-month savings?
Speaker 2:And there's one thing that I did kind of leave out but I do want to mention is that you know, because this was a situation that happened to us, when Jess got laid off, she essentially had a six-month severance package. Now, with a large company like what she was at, I think that pretty much that's going to be in place, but I wouldn't always just lean on that severance package because it's not guaranteed.
Speaker 1:Things like that can get ripped from you pretty easily, and you don't want to be left relying on something that you thought was going to exist and then doesn't.
Speaker 2:Yeah. So, for example, you don't want to be a person who's like oh well, you know, I already know that I have a six-month severance package. If I get laid off, then I only need six months of emergency fund expenses. I wouldn't bank on that because, as you said, a severance package is not guaranteed.
Speaker 1:Right, it's a nice to have. Yeah, right, it's a nice to have, and it's a nice to get, but unless you have that written somewhere in your contract that you're guaranteed a six-month severance and covered health, insurance and early stock vesting should be in good shape, or maybe you don't end up having to touch your emergency fund and you can only operate off of the severance, which would be the ideal scenario. But you want to plan for the worst and hope for the best.
Speaker 2:Yes, and, and don't leave those things up to chance and, you know, the biggest thing that we also stress here is that you don't have to sit down and do these things all at once and take a two or three hour time frame at one time to do all this stuff.
Speaker 1:No, don't do that.
Speaker 2:Break it down into much more manageable time frames to do so. It makes it a lot easier for you so you don't get stressed and overwhelmed and don't get wore out before you actually accomplish a goal, because if you try to sit down and do all this at one time, more than likely you're going to get overwhelmed and then you're not going to do anything.
Speaker 1:Yeah, and then you'll just seize right back up and nothing will get done. So take it in bite-sized little chunks, because it can feel overwhelming and we don't want that to be the case. But we do want you to be prepared and we do want you to be intentional about putting something away every, you know, every week, every month, however you do it. Some people do daily savings challenges, all sorts of things, but just be mindful that really we cannot operate in this day and age without an emergency fund. Hopefully this was helpful. If you have any other tips or tricks in how you've been able to build your emergency fund, please reach out and let us know so that we can share it with our audience. We will link our two high yield savings accounts that we use. Well, one of them is a high yield savings account through ally. The other is a high yield account, technically not a savings account, although you will get around 4% interest, which is nice, but we will link both of those. We personally have money in both of these accounts and we like the interfaces that are online. It's easy to set up and that way we are earning money as it just sits there because it's there for an emergency. But we hope this was helpful.
Speaker 1:Share this episode with a friend. Leave a review, if you have not already, and we thank you for listening. We'll talk to you soon, don't forget. Benjamin Franklin said an investment in knowledge pays the best interest. You just got paid. Until next time, sugar.
Speaker 2:Teddy.
Speaker 1:Podcast yo Learn how to make them pockets grow Financial freedom's where we go Smart investments, money flow.
Speaker 1:Thanks for listening to today's episode. We are so glad to have you as part of our sugar daddy community. If you learned something today, please remember to subscribe, rate, review and share this episode with your friends, family and extended network. Don't forget to connect with us on social media at the sugar daddy podcast. You can also email us your questions you want us to answer for our past the sugar segments at the sugar daddy podcast at gmailcom or leave us a voicemail through our Instagram.
Speaker 2:Our content is intended to be used, and must be used, for informational purposes. It is very important to do your own analysis before making any investment, based upon your own personal circumstances. No-transcript.
