최고 Frugal Budget 팟캐스트 (2024)

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Ep76: Maximizing Retirement Savings for Solopreneurs and Side Hustlers with the Solo 401k 48:26

3d ago48:26

48:26

Hosted by: Dr. Disha Spath Guest: Sean Mullaney, Advice-Only Financial Planner and Author of The Solo 401k: The Solopreneur’s Retirement Account Episode Highlights: Introduction: Dr. Disha Spath welcomes listeners back and introduces Sean Mullaney, President of Mullaney Financial and Tax Inc, a fee-only financial planner and tax advisor for self-em…

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5 Ways to a Have Successful Thanksgiving on a Budget 14:31

4d ago14:31

14:31

If you’ve ever found yourself tempted to swipe your credit card for that big Thanksgiving dinner—or maybe even considered skipping it altogether to avoid the cost—you’re not alone! Today, I’m sharing some of my favorite tips to having a budget-friendly Thanksgiving without sacrificing any of the things that make this holiday special. Sound like som…

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99. Struggling to Stick to Your Budget? My System for Adapting Your Budget When Your Budget Feels Off. 31:08

27d ago31:08

31:08

Hey Mama, have you ever looked at your budget and thought to yourself that something just feels off, but you go ahead and fill out your budget the exact same way you have been doing it and by the end of the paycycle you find that another budget bit the dust because you just couldn’t follow it. This my friend is normal, and this feeling that somethi…

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102. Low on Christmas Money? Save Money Quickly Using the No Spend November Challenge. 33:29

6d ago33:29

33:29

Hey Mama, As we have just started the month of November I thought it would be a good time to introduce a no spend challenge. Whether you have been saving money all year long and are looking for a little cushion for the holidays or haven’t started saving at all, this is a great way to get some cash for both Thanksgiving and Christmas. So grab your h…

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62 | Simple Hack to Slash Your Highest Expenses for Immediate Impact 13:52

7d ago13:52

13:52

Hey friend! When you are first working to reduce spending, it can be an overwhelming task to know where to start. If you can relate, then I'm here to help! In this episode, I am giving you a simple hack that will help you easily and quickly figure out where to start and how to make a BIG impact! Blessings to your family, Mandy P.S. Join our awesome…

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Ep75: The Purpose Code: Unlocking Meaning and Maximizing Happiness with Dr. Jordan Grummet 31:04

10d ago31:04

31:04

In this episode of Finding Financial Freedom with The Frugal Physician, host Dr. Disha Spath sits down with Dr. Jordan Grummet, a distinguished physician and the creator of the award-winning Earn & Invest podcast. Together, they explore Dr. Grummet’s latest book, The Purpose Code, which provides an inspiring and practical guide for those seeking to…

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How to Have Stress Free Money Conversations with Family 12:00

11d ago12:00

12:00

Whether it’s your extended family, close friends, or anyone else you call family, talking about money and holiday plans can sometimes feel like navigating a minefield. With the holidays just around the corner, this is the perfect time to set some expectations around gifting, gatherings, and travel. Today I’m sharing some practical tips to help you …

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101. 3 Ways to Become More Consistent With Your Budgeting 22:59

13d ago22:59

22:59

Hey Mama, Consistency is a goal when it comes to being able to stick to your budget. It’s how you know that you will be able to do the same thing every time it comes to your budgeting, but did you know that there are different ways you can be consistent? Well that is what we are talking about today, the 3 money management systems to work on so that…

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So You Can't Afford Christmas This Year, Now What? 14:33

13d ago14:33

14:33

There’s nothing worse than getting to the holidays and realizing you can’t afford them at all. If that’s you, not to worry. In today’s quick tip episode I’m offering a few ideas to help you make the holidays special for your family without spending any money. Sound like something you need? Well then, let’s get started. Next Steps Check out these DI…

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61 | Top Items to Stockpile for Emergencies or a Preppers Pantry 24:02

14d ago24:02

24:02

Hey friend! With all of the natural (and man-made) disasters going on in our world, we can never be prepared enough to help our families through an emergency situation. In today's episode, I am covering the top food items to stockpile in case of an emergency. These are items that will last a long time and are easier to consume if you lose power for…

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Ep74: Holistic Stress Management for Heart Health: Cardiologist’s Guide to Meditation and Spiritual Wellness 53:15

17d ago53:15

53:15

In this episode, Dr. Disha Spath discusses heart health and stress management with cardiologist Dr. Disha Mookherjee. Dr. Mookherjee shares insights into reducing stress and preventing heart disease through meditation, spiritual wellness, and holistic approaches. Rooted in personal experiences and 20 years of practice, she reveals actionable techni…

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How to Create and Stick to Your Holiday Budget 21:36

18d ago21:36

21:36

If we’re being honest we can say: it’s the worst time of the year for budgets. With the rising cost of toys, books, food and decorations, it’s no wonder that January 1st comes with the need to put huge restrictions not only on our eating habits, but those of our spending as well. Not this year. Repeat it with me: Not this year. Did you actually say…

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100. Looking To Save and Pay Debt off Quickly? 3 Ways to Stay on Track With Your Savings and Debt Goals. 32:19

20d ago32:19

32:19

Hey Mama, It's time to strengthen your saving muscle, because you didn’t set goals only to watch yourself spend the money needed to reach those goals. You also want to be able to reach those goals in a timely manner, so if you are ready to stay on track with your savings and debt goals then this episode is for you! Today I am giving you 3 ways to r…

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60 | Thrifty Ideas for Filling Your Family’s Christmas Stockings for Less! 13:22

21d ago13:22

13:22

Hey friend! If you buy stocking stuffers for Christmas, then you know just how much they can add up! In this episode, I'm giving you several tips for finding great stocking stuffer ideas for much less money, and sometimes even FREE! So, Merry Christmas and get saving! Blessings to your family, Mandy P.S. Join our awesome FREE Facebook community! ht…

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Ep73: How to Pick a Financial Advisor (and Not Get Ripped Off) 46:04

24d ago46:04

46:04

In this episode of Finding Financial Freedom with The Frugal Physician, Dr. Spath is joined by Dr. Rikki Racela, a neurologist based in Englewood, NJ. Dr. Racela shares his journey from financial illiteracy to financial empowerment, discussing the mistakes he made early in his career—like falling into the trap of whole life insurance, pushed by a f…

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59 | What is Lifestyle Inflation? + Sure Signs it Has Impacted Your Family! 12:55

28d ago12:55

12:55

Hey friend! Lifestyle inflations affects so many families! Is yours one of them? Do you have an idea of what lifestyle inflation is? In this episode, I'm explaining what it is, signs that your family has been impacted by it, and how you can remedy (or prevent) it in the future! Blessings to your family, Mandy P.S. Join our awesome FREE Facebook com…

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Ep72: Former Reporter, Sammi Sosa Norman, Quit Her Job, Paid Off Debt, and Became a Financial Coach 56:43

1M ago56:43

56:43

Dr. Disha welcomes Sammi Sosa Norman, founder of Skate2Wealth, to discuss her inspiring journey from financial struggle to financial freedom. Growing up in a low-income household, Sammi witnessed firsthand the challenges of money management. Despite accumulating over $150,000 in student loan debt and initially living paycheck-to-paycheck as a journ…

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98. Is Managing Money Difficult? The #1 Habit Needed to Make It on One Income. 28:05

1M ago28:05

28:05

Welcome to the one income family podcast. Today we are diving into what I believe is the one of the most important things you need to be doing in order to make it financially on one income and that is planning. I know it takes time and unless you’re like me and love to strategize and create a plan it’s not very fun, but it is extremely important. Y…

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58 | Month by Month List of the Lowest Stock up Prices on Groceries 29:11

1M ago29:11

29:11

Hey friend, Have you ever wondered when the best time of the year was to get the lowest prices on your grocery staples? Well, look no further! In this episode, I'm going through each month of the year and telling you what is usually on sale for some of the lowest prices all year! This will help your family stock up when the prices are the lowest, s…

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Ep71: College Savings: How to Plan, Save, and Maximize Aid Eligibility 28:02

1M ago28:02

28:02

Saving for college can feel like a daunting challenge for many parents, especially with tuition costs rising faster than inflation. In this episode, Dr. Disha breaks down a variety of college savings options and discusses the pros and cons of each, along with their impact on financial aid eligibility. From the popular 529 plans and prepaid tuition …

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How to Detox Your Finances Without Losing Your Mind 11:08

1M ago11:08

11:08

Whether you’re looking to free up some extra cash or keep your financial goals on track, today’s episode is for you. I’ll walk you through three simple steps to detox your finances in just 15 minutes. Plus, I’ll share how we use these strategies year round for long-term financial success. So, if you’re ready to detox your finances without losing yo…

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BONUS: What My Q2 + Q3 Results Actually Were (Plus Q4 Intentions) 17:34

1M ago17:34

17:34

It’s hard to believe that we’ve entered Quarter 4 of 2024, but the calendar doesn’t lie. I thought today would be a great time to share how we fared in Quarters 2 and 3, since I missed the last update, and then share a bit about what our goals and intentions are for Quarter 4. So if you’d like a bit of an insiders look into my life, then that’s wha…

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97. Are You Spending Too Much Money? How to Know if Your Spending Money Is Keeping You From Reaching Your Goals. 33:57

1M ago33:57

33:57

Hey Mama, welcome to the one income family podcast where we talk all things budging on one income. Today we are going to jump into what can feel like a losing battle, and that is getting a grip on your spending. Now don’t take this to believe that the reason you are off budget is because of your spending and that it’s a bad thing to have spending m…

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57 | Pay off your debt FASTER! Debt areas of focus to revisit regularly 10:14

1M ago10:14

10:14

Hey friend! If you have any debt you are working to pay off, make sure to check out this episode! These are the main areas you should be looking at periodically to not only make sure you are on track, but to actually speed up the time it takes to eliminate debt altogether. And, that would be FREEDOM! FREE Debt Repayment Calculator (Scroll down to t…

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Ep70: Direct Ownership of Residential Real Estate 30:10

1M ago30:10

30:10

Dr. Disha highlights how real estate investing aligns with her values and offers a powerful way to build wealth. She emphasizes the financial benefits of rental properties, including monthly cash flow, leveraging loans for greater returns, and protection against inflation. Additionally, she breaks down key tax advantages like depreciation and 1031 …

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96. Is Your Money Spread Thin So You Never Actually Reach Your Goals? How to Budget Your Goals for Success. 31:23

2M ago31:23

31:23

Is your money spread thin from trying to reach all of your goals simultaneously? I’ve been there! A little emergency fund here, a little vacation there and never actually reaching your goals. That’s the thing about money and time. There is a set amount and that’s not going to change. The hard part is deciding what is actually important. Have you ev…

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56 | Less Common but Simple Money Hacks to Propel Your Financial Goals! 27:23

2M ago27:23

27:23

Hey friend! Can you believe it? It's my one-year podcast anniversary! THANK YOU so much for all your support and listening to my episodes over the last year. In this episode, I am going over some pretty amazing milestones I never thought I would reach, as well as some fun and less common money hacks that help you move your financial goals further, …

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95. Don’t Know How Much to Put in Your Categories ? Set up Your Budget Using Percentages and Prevent Restriction. 25:22

2M ago25:22

25:22

Hey Mama, I talk a lot about figuring out your priorities and creating a budget that tells your story. What you and your family enjoy and the life you want to live. So I figured it was time to give you an episode that talks about how to do that. How do you find balance in a budget? In other words, how do you set up a budget that doesn’t make you fe…

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55 | Easy Ways to Start Building Your Christmas Fund Now! 100 days until CHRISTMAS!! 15:43

2M ago15:43

15:43

Hey friend, Yes, you read that right, only 100 days until Christmas!! Did you just get butterflies? If you do not feel prepared at all to pay for Christmas this year, never fear! In today's episode, I am giving you several easy ways to start NOW to help you build up your Christmas fund. There are a lot of juicy nuggets, so go grab whatever you need…

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Ep68: Can You Truly Afford That House? 2 Ratios Every Physician Must Know 10:42

2M ago10:42

10:42

Dr. Disha tackles a recurring question in physician finance groups: “Can I afford this house?” Using a case study of the Smith family, she walks through the key financial ratios—HR1 (housing costs) and HR2 (debt-to-income)—that determine whether a home purchase is financially sustainable. Despite a $300K annual income, the family’s student loan and…

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Why These 3 Popular Money Moves Don’t Work 10:46

2M ago10:46

10:46

Let’s be honest. Sometimes there are well-meaning people out there that believe that in order to achieve financial success you have to follow their rules step-by-step. It’s just not true. And that’s why today I want to talk about three popular money moves that are frequently recommended but don’t necessarily work in the real world. Sound like somet…

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94. Do You Want to Save Money, but Don’t Know Where to Start? 5 Categories You Should Be Saving Towards to Ease the Pressure on One Income. 33:53

2M ago33:53

33:53

Today, we are going to be jumping into the conversation of saving money. Now we all know that we should be saving money, but the big question is what should we be saving for? I have found there to be 5 constants that each budget should have. How you handle each category and create boundaries and amounts will differ, but by knowing what these catego…

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54 | 31 Thrifty Things to Do on Rainy Fall Days 22:31

2M ago22:31

22:31

Hey friend! Can you feel fall getting close? I know I can! If your family needs some fun ideas on ways you can spend those rainy fall days, I've got you covered! In this episode, I give you 31 activities you can do as a family this fall that don't cost much or anything at all. Let's go have some fun! Blessings to your family, Mandy P.S. Join our aw…

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Ep67: Sarah Catherine Gutierrez on Automating Finances for Physicians 46:18

2M ago46:18

46:18

Sarah Catherine Gutierrez, a certified financial planner and founder of Aptus Financial, joins Dr. Disha Spath to discuss practical financial strategies for physicians. Sarah emphasizes the importance of non-conflicted, fee-only advice and the power of automating finances to ensure long-term wealth building. Key takeaways include paying yourself fi…

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How to Save Money with a DIY Project 19:15

2M ago19:15

19:15

So you’ve got a project that needs doing and a quote that’s higher than you expected. Should you save a little money by doing it yourself or bite the bullet and hire the professional? If you’re not quite sure then you’re in the right place. That’s exactly what were chatting about on today’s episode and I’m giving you an inside look into a massive D…

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93. Financial Planning With God: Releasing Control So God Can Guide Your Path. 26:08

2M ago26:08

26:08

Have you ever wondered how you are supposed to release control when the steps God tells us to take put you right back in the driver's seat? Well that is exactly what this episode is all about. I am going to share with you the thoughts that God has been sharing with me. It’s time to learn how to be in control without being in control. Go grab your c…

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53 | Tips for Saving Money on Kids School Lunches - 8 Ways to Save! 13:23

2M ago13:23

13:23

Hey friend! In this episode we're diving into one of the most essential aspects of back-to-school budgeting—lunches! Feeding your kids healthy meals without breaking the bank can be a challenge, but with these tips, it’s entirely possible. I hope these ideas will help you stretch your dollars while keeping your kids happy and healthy as they enjoy …

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Ep66: The Real Cost of Nurse Practitioner-led Care with Tarang Patel, MD 52:48

2M ago52:48

52:48

Dr. Disha Spath and Dr. Tarang Patel address the controversial topic of nurse practitioners’ expanding roles in healthcare. The discussion is sparked by a recent article that highlights concerns over the quality and adequacy of NP training. Dr. Patel discusses the implications of NPs practicing autonomously without sufficient oversight, emphasizing…

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My Top 10 Affordable Must-Haves from Costco 13:57

2M ago13:57

13:57

If you’ve ever wondered what to buy in bulk and what not to, today’s episode is for you. I’m sharing my grocery budget details, all of my favorite Costco must-haves for our family, and the things I don’t buy in bulk. So, if that sounds like something you need or you just want a little inside peek into my life, well then, this one’s for you. Let’s g…

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92. How Many Different Budgets Have Failed You? 5 Tips to Create a Successful Budget. 25:38

3M ago25:38

25:38

Setting up a budget for success isn’t about the numbers or the categories or even the budget itself. That is why I recorded these 5 tips to help you set up a budget that’s going to bring you success. It’s going to give you the life you and your family want to live instead of feeling restricted and like you “can’t” do anything. It’s time to shift yo…

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52 | Too Much Impulse Spending?? Tips to Help You Stop So You Can Accomplish Your Goals! 19:06

3M ago19:06

19:06

Hey friend! Do you struggle with too much impulse shopping? Do you find yourself turning to those unplanned purchases too often, and you want to stop? Are your extra expenditures preventing you from hitting your financial goals, causing you guilt or stress, or even worst...more debt?? I've got your back friend! In today's episode, I'm giving you my…

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5 Ways to Stay Consistent with Household Tasks 13:54

3M ago13:54

13:54

Whether you work from home, work out of the house, or are a stay at home mom, keeping up with household tasks can get overwhelming at times. Trust me, I know. And that’s why I’m taking the time today to share a few simple strategies we use to stay consistent with household tasks. Sound like something you need? Well then, let’s get started. Next Ste…

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91. The Hard Truth Behind Why You Are Struggling Financially and the First Step to Freedom. 26:56

3M ago26:56

26:56

Hey Mama, How often do you find yourself struggling financially? Have you ever wondered why? Why do you feel like you are struggling financially when all of your bills are covered, you’re able to feed your family and other needs are met? Well that my friend is what today’s episode is about. God shared with me a truth behind the real reason we are s…

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51 | My Favorite Cash Back and Rewards Apps - Earn Gift Cards and Money! 14:36

3M ago14:36

14:36

Hey friend! I've had multiple listeners reach out to ask me what my favorite rewards apps are. So, in today's episode, I discuss my four favorite apps and the details you need to know about each one. If you would like to get any of these apps, and you use my referral links here, you and I both get bonus points (um, YES Please!). Fetch: https://refe…

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Ep65: Make ~$400/Hour as a Medical Expert Witness with Dr. Nirav Shah 28:53

3M ago28:53

28:53

Dr. Nirav Shah returns to discuss the often-overlooked field of medical expert witness work, revealing how physicians can use their expertise to earn substantial side income while maintaining their ethical standards. Dr. Shah recounts his initial foray into the courtroom, offers insights into the financial structure of this work, and discusses the …

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How to Stay Healthy Without Spending More Money 14:11

3M ago14:11

14:11

Maintaining a healthy lifestyle shouldn’t be hard - even if you’re on a budget. Today we’re chatting about how to effectively manage both your health and financial goals without compromising either. Sound like something you need? Well then, let’s get started. Next Steps Check out these DIY Resources and Templates Download the Meal Planning Bundle J…

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90. 6 Budgeting Mistakes and How to Remedy Them So That You Can Stop Living Paycheck to Paycheck 29:06

3M ago29:06

29:06

Today I am diving into some budgeting mistakes that make your budget feel tight and keep you living paycheck to paycheck. I also share with you what it is you can do to change your habits and give you a budget that brings peace instead of overwhelm. So go grab that stroller and a yummy drink and let’s get to it. Xo Molly P.S. Learn why you are stru…

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50 | Sports fees, etc. breaking the bank? - Tips for saving money on kids extracurricular activities! 12:23

3M ago12:23

12:23

Hey friend! Are your kids' extracurricular activities like paying an extra car payment each month (sports fees, am I right??). Are you considering pulling your children from the programs they love so much, because you just can't afford to pay the high fees? Have you had to tell your kids no when they ask to take gymnastics or ballet or...? Well, th…

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Ep64: Exploring How Alexander Hamilton's Financial Genius Led to the Creation of the Federal Reserve 15:48

3M ago15:48

15:48

________ SUMMARY Starting with Alexander Hamilton's crucial role in establishing the early financial system of the United States, Dr. Disha explains how his legacy laid the foundation for the creation of the Federal Reserve in 1913. The episode covers the Fed's tools for managing the economy, including the federal funds rate, reserve requirements, …

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How to Incorporate Separate Line Items for Spending 13:40

3M ago13:40

13:40

It’s important to incorporate spending into your budget as soon as possible. If you aren’t sure how to do that, today’s episode is for you! I’m walking you through how to create separate spending line items for each individual in your family AND how to keep track of it all along the way. Sound like something you need? Well then, let’s get started. …

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