Ep. 188 | Budgeting Mistakes (with Ramit Sethi)

Joshua talks about earning income, managing money, financial willpower, budgeting mistakes, and what it means to live a “rich” life with author Ramit Sethi. Watch “Maximal” episodes of The Minimalists Private Podcast exclusively at / theminimalists
Questions answered in this episode:
What is the most effective investment strategy if I have limited funds to invest? (13:45)
How do I resist making impulsive purchases? (28:18)
How do I address my issues with credit cards? (32:52)
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Detailed show notes: theminimalists.com/podcast
#TheMinimalists

[@ChiCityLady]

I love that he looked at the giant houses and thought about the maintenance and cleaning. So many people ignore those costs of home ownership.

[@SugarMamma]

I am a Financial Planner and a Minimalist, and one of the biggest budgeting mistakes is people refusing to face the truth about how much they really spend. I recommend having a long hard honest moment with yourself and look at the evidence in your bank statements and credit card transactions.

[@ajalicea1091]

Have a friend who said for 3 months write down each and every purchase. Then look at it and decide what you need to stop or reduce spending on. Once you figured that out then apply for your credit card and to use it wisely. Not on something frivolous.

[@chris-ci7ch]

Your spouse or partner needs to be able to face the truth and many times that is a big roadblock for couples when one person is unable to see face the truth

[@nancydee6106]

Fuk that! Lol jk 😂

[@Oberon44]

Yep, I have a friend who really wants to buy a house but she won’t even look at her finances.

[@Jman15007]

It isn't always just looking at your transactions and being honest with yourself, it's looking at what you actually value and being honest about it. Are you seeking to heal some hurt from the past? Are you trying to spend to acheive some sort of approval, that doesn't really matter? Are you spending just for a quick rush? Are you using ignorance as a cop out of trying and failing?

[@lisajane4330]

I'm abit late to the party just saw this Netflix series now Jan 2024. Completely agree, the title turned me off until i started watching the series on a fluke just to see what it was about & loved it, its so much more then it sounds. Everyone's rich life is different & unique. I'll now be buying his book. Ramit needs to travel around to highschools with this information.

[@donnaallgaier-lamberti3933]

To me being rich is being able to take care of myself in my retirement and not worry about running out of money before I die. I don't expect to take trips or drive a new vehicle I just hope to have enough money to feel secure and take care of my health.

[@markdemell8056]

Being frugal is not what most think it is ,it,s not being a cheapskate ,it means to be as little wasteful as possible!

[@eulinebotha]

Budgets work if you do it. We looked at 3 months of our expenses, made a budget, and we have never looked back. It has made so much of a difference for us. Been doing it for 2 years now and it has made a massive difference in our lives.

[@verenamartini8695]

I agree totally !!!

[@aprilracine]

I’ve been budgeting for 5 years now and it’s like I got a pay raise.

[@paulinsky53]

Sometimes it’s good to revisit your budget because priorities change and you may be paying for something that you can let go of and add that amount to your savings and see what you value more, ex: my husband and I decided to let go of a P.O. Box he use to have when he had a business and now no longer has and paying 316. A year and not deductible anymore so we put a plain ole mailbox at the end of our driveway and saved that 316.now in savings

[@rachelschwinghammer6916]

I think what Ramit is saying is that the people lack vision, because budgeting helps me dream BETTER ❤ love the collab

[@sarahlockridge7879]

I budget. I use it. I make a monthly and a yearly. We save up for things we want to buy. Pay cash. Budgets work for those who WANT to use them. I love having permission to spend with a budget.

[@sarahlockridge7879]

I love this. It gives me permission to spend money on things that add value to me. I've always wanted to buy smelly hand soap for my bathroom. As silly as it is. We never had money bc we had so much debt. We did the Dave Ramsey plan a couple years ago and now I enjoy buying Bath and Body hand soap. The smells make me feel good and happy. I suffer from depression so this is a win for me.

[@Misssericaca]

I thought I was the only one 😂 I buy my smelly soaps from TJmaxx I get so much joy out of the smells everytime I wash my hands

[@sarahlockridge7879]

@@Misssericaca I have bought some from t.j Maxx as well!

[@sarahwarner7213]

"Who's going to clean it!" 😂 That is always my thought when I see them too. I'm not cleaning that big house, nor do I want to maintain that big house!

[@MsBlonde0000]

This is a podcast for Americans. In Europe taking a gap year to travel or quitting your job to take 6 months to go away/sabaticals etc are normal. In Europe we have 4-5 weeks vacation a a year as standard. American system is slavery.

[@carieyoung1111]

My husband and I def live like Europeans! Travel is our number one priority -as well as good food and good wine!

[@markdemell8056]

The powers that be made it that way.

[@juliannemcintyre1152]

Hear hear MsBlondeYo 👍🏻 It’s the same in Ireland.

[@letsbefreeletsbefree7183]

Espacially many woman here in europe go and travel after school in thailand and australia. While most guys i know started working directly. I didnt travel because i wanted to build wealth first now im 26 and can travel as much as i want :)

[@allison455]

I love how you guys bring on people who may have differing opinions/methods on certain topics, (such as this podcast or the podcast with the vegan, the carnivore, and the omnivore,) and encourage a mature and respectful debate while pointing out what you agree and what you disagree on. It's so refreshing to see healthy discussions and being able to provide different points of views/methods to your large and diverse audience!

[@markdemell8056]

Just a thought ; I would like to see them do a podcast after a few glasses of wine! It,s interesting what comes out then, Vino Veritas !

[@melodymakingmelodies4896]

I’m a firm believe in having a budget. Having a budget keeps me out of debt. I can look back and don’t know how I was capable of surviving on an income of less than $900.00 a month in the 80s. I knew where every dime of my money was going months in advance. I created a one page column graft for the entire year. To this very day I create an annual column graft. I’m thankful I do not have to scrap by like a used to. My budget made it perfectly clear that I only had so much money to spend on food, housing transportation ect. It brought simplicity to my life. I love having a budget. I can see my financial goals being accomplished.

[@troywesterbur706]

I really like the advice. I have found that I am just cheap. I came to that conclusion this weekend while shopping for new pants. I find myself looking for a bargain instead of getting what I really want. I do it for most everything then end up hating what I settle for. I have come to the conclusion if I buy the good ones I will have a much greater value even if it costs double. Its a lot less going to goodwill because I cant stand them.

[@windiejade]

Tfuikubjj77u

[@windiejade]

JhvX-Ck))_"%([[8!

[@windiejade]

@Kyros - b%off and i

[@jujubee2682]

Think of it this way Troy. Get something that’s well made, good quality, 💯 cotton or linen is always best for clothes. But and invest in companies that care for the environment, that can track their carbon footprint and offset it, and are ethical in who makes their clothes and transparent about the chain. Then you’ll have clothes that last for decades (like mine have) and make a tiny - but significant difference.

[@raapyna8544]

@@jujubee2682 Spot on. I virtually stopped shopping a couple years ago when I was learning about minimalism, in the way that I stopped going to malls. I was dissatisfied with what they offered and decided to settle for what I have until something really good comes up or I have to replace something. I find I don't feel bad about the cost of a good t-shirt if I buy it so rarely. Now I can align my clothes with my values and genuinely feel good about what I'm wearing.

[@peace-a]

15:44 healthy disagreement here: I create my budget 1 week before my bi-weekly paycheck hits my back. I review it daily, make minor tweaks as needed, and stick to it. Been doing it since 2019. I'm debt free except for the mortgage which I hope to pay off in 4-5 more years. Great video 👍🏼

[@mariebarnes9220]

I absolutely love this perspective. And I love how Joshua said that a rich life is correlated but not identical to how much money you've got. It's so true!

[@SugarMamma]

What an illuminating conversation. For me, financial freedom and the absence of money-related stress is a rich life! The meaning of what a rich life encompasses is dependent on everyone's circumstances, love Ramit's thoughts!

[@teev5362]

yeah what ramit explains is that looking backward is accounting. looking forward is budgeting

[@alicelaybourne1620]

Came here to say the same. I make my budget on the first day of the month looking forward, and I have sinking funds for future purchases. Budgets are forward thinking. Build the habit and you won't be scared by the numbers. You Need a Budget (YNAB) quote: Start where you are.

[@bananaanna1373]

Excellent comments. You made this episode even more important.

[@azmodanpc]

Peace of mind is a great motivator. The ability to pay for a healthcare scare is priceless.

[@khalilahjackson2059]

Just discovered this channel and I love it!! It’s teaching me how to spend wisely instead of believing that I need to save every penny. I’ve been trying to get my own place so hearing I’m allowed to save money I just have to see where my money is going gives me more motivation and encourages me to watch my money correctly!!

[@emilyharper7448]

What I find interesting is that their philosophies on budgeting can be combined very well.

[@mintgreen292]

I don't think money changes people, I think it reveals things about them that were always there. Rich or poor.

[@valeriajerezrohrmoser7729]

One of the best episodes I've heard so far, along with the one about love and sexuality where you interviewed Peter Rollins, and many more. Thank you so much for what you do. Greetings from Germany

[@user-gb9cl1gp9t]

I just watched a minimalist book recently. I was so touched, I became a fan of both of them. I'm just going to step up to the minimalist list. Thank you so much for letting me realize a lot. Please come to Korea.

[@the1337fleet]

I liked the parallelism between fitness and finances. Start with the good and what you love instead of trying to take away the "bad." Natural overspending areas will disappear if you focus on the positive. Replace bad habits rather than fight it. Don't focus on the negatives. 30:30-32:45

[@lastpolarbearcub]

Yes, like Abbey Sharp’s channel on food. Focus on filling yourself with healthy foods you love and then you can allow yourself indulgences because you won’t binge on them since you’re full. Focus on filling yourself with purchases that bring value to your life like an investment jacket and then you won’t feel deprived when you skip buying more clothes that clutter your closet.

[@BuzzLiteBeer]

Shifting to a minimalist mindset alone can save a shit ton of money. Once you start asking yourself key questions like "Will I use this more than a few times? Will this be a pain when I have to move? Do I actually NEED this? Do I already own something similar that is still functional?", you'll find that you stop buying useless shit. I'm all for paying for experiences (food, travel, classes, hobbies) but that's where the budgeting philosophies may help.

[@atimnile2401]

This is A great Analysis; I also prefer spending on Experiences (travel ) vs a new car , house or stuff.

[@vesnaswanson2600]

You guys are awesome! Such an inspiration for personal goals of others! Thank you!

[@Mellybeans0919]

Excellent. Snatched the e-book from the library right away!

[@nicholem6193]

I liked this, it got me thinking about what I like to spend on, and what's important.

[@maryjoan4128]

Great Guest, I wish there had been more time spent talking to him, he sounded great and had a lot of wisdom to share, all the best

[@Tcgrande77]

I love this. A change of perspective... a great way to plan... looking forward. Im definitely getting the book

[@annwarneka868]

I am learning to dream & think much bigger about my life. My earnings quadrupled this past year. I got out of debt, helped my son buy a car and increased donations to my charities. I don't advertise for other companies. I never show what brand im wearing. Great conversation!

[@BettySakuma]

Awesome... I grabbed the new edition halfway thru the video. Loved the video!

[@katrinamillings3651]

I connected as soon as he said some people have no tv. I haven't had one in 7 years, but I spend as much on art supplies and books as I would on cable or streaming services. I'm not really into movies or shows, other than occasionally streaming something on Amazon Prime. Most everyone I've met thinks it's really weird and I must be super poor not to own a tv, but it's just no big deal to me.

[@rociorocio9436]

I enjoyed listening and bringing different opinions to the show all while being so respectful.

[@AshiyaWhitley-ShawVeganAthlete]

I love budgeting.🤷🏽‍♀️ For me it’s FUN and effective. I do it because I like telling my money where to go.😁

[@andrewwindsor4905]

One of the best things we ever did was write down our "realistic" rich life, so we knew where we were trying to get to. $ for holidays (vacations!), birthdays, Christmas, leisure, etc, It stopped us buying new phones, clothes we didn't need. Also when we got there we then resisted taking on more work, more responsibilites, more stress! You need, energy, time and money to make it, neglect one and there's no point (large salary but no time to use it, large salary but so stressed you have no energy for anything else!)

[@fpl_bailey]

33:40 he hit the nail right on the head. *The problem is not the credit cards, the problem & solution is you* . Anyone who carries a balance (does not pay it off every month) should *NOT* have a credit card.

[@Pallanos7]

If you are able to pay full balance monthly, then why would you have a credit card on the first place, use a debit card.

[@fpl_bailey]

@@Pallanos7 because the credit card gives me rewards. The debit card doesn't do anything. Also, I do not overspend when using a credit card compared to a debit card or cash, I know how to budget and live within my means.

[@dolleywhite4438]

No the problem is with credit in general

[@fpl_bailey]

@@dolleywhite4438 last time I checked, it's still *my* decision to use credit. Credit is just a tool, it has no power other than what people do with it. If you really think credit is the problem then you think people have no control over their behavior. If that's the case then those people should learn to alter their behavior or best not to mess with credit.

[@minionkoto4780]

Agree. CC benefits helpful if holder has discipline.

[@yesenia3448]

I love this guy's, I try to apply recommendations from both, from the minimalist point is so hard to be minimalist when husband loves to keep stuff just in case 😬 so I just keep trying to minimize my stuff and hopefully I encourage him w my actions..in regards money,I just got the audio book today and I already discovered almost $60 in Rewards 😳 in one of my cc, and I got the book in paper (w my rewards)so I can use the scripts to call the credit cards and banks 🤨..thank you!

[@rowddyone2013]

love Ramit Sethi, he is the reason why I opened and IRA account. "I will teach you to be rich" changed my life. Thank You Ramit

[@sandysmith7583]

At first I was simply listening then... I grabbed a pen and started taking notes. Loved that the guest speaker had the opportunity to talk and share his personal experiences and perspectives. I am intrigued and eager to read and know more. What a great discussion!

[@Fausto_moh]

Bought his book. Read it twice and need to go back and read it again . Have a roth ira set to be maxed out by the end of the year. Have my 401k set to 5% which is the max amount my employer will match.

[@mariaisabelrodriguez276]

Excelente entrevista! Parecían puntos de vista opuestos, sin embargo, confluyen en el poder del enfoque y el minimalismo en nuestros deseos 👏🏽👏🏽

[@gerickpatigado5927]

16:32 yup it is not budgeting but rather accounting. Accounting specializes on looking back on past financial performance and most people hate that. As an aspiring accountant, I want to help not only companies but also people who have a hard time tracking what they do with their money. That's why in our college, most business students are in finance rather in accounting because its so much fun and guilt free. Unlike us accounting students, we often times go to our counselors to address our mental health problems brought by our background of looking back at the past.

[@phf3238]

Yes! Taught me to put down my fixed expensive. Much appreciated

[@ah5721]

This is great perspective! It's one thing to be wise with your money and see it as a necessity like Dave Ramsey does. It another to see it as a vehicle that takes you to were , and how you want to live your life as Ramit points out. After I set my budget and got good at it its easier to think ahead of what do I want to do with it. Money should be a tool not a puppet master. When we raise our money bench mark higher to include dreaming bigger it truly makes our lives better .

[@teresabennett7534]

About the coffe; I live in Clearwater Florida my daughter took me there for Mother’s Day it was awesome! Beautiful place.

[@Rockstarmama310]

Love this guy! Well spoken! Love it!

[@Tcgrande77]

I am going to email you some great ideas that I feel are so helpful, and I believe totally worthy of a discussion. It ties in everything that you and your are sharing with all of us! Be well, stay safe, and thank you for all of these incredible resources. Instead of shopping and distracting myself with stuff I don't need, I am leaving a comment here, and coming up with my content that I would like to share as well.

[@TerryCollinsP31Lifestyle]

That’s good. I found myself placing my own judgement on the book. Great share

[@lisayacks7480]

Very insightful segment! Thank you!

[@AkS143joyful]

Cannot wait to read his book!!!

[@audreyk1053]

Thanks for your awesome content. I really enjoy your podcasts, books, etc.

[@carlo6912]

Words of wisdom. Buy the best and keep it for as long as you can.

[@juliehogle5252]

When it comes to being disciplined on not over-spending, change will be a process. Become objective to your practices and apply this Zen saying, “Do what has to be done; when it has to be done; do it as well as it can be done; and, do it that way every time.” Non-mindfulness 🎉😢 and life circumstance has brought you to this point but it is better to be purposeful with your money. Agreed, “Forward thinking.”

[@jenniferhodgson1114]

Hi guys I love your advice it is very illumating. It is a big subject for people and something most people are never taught about it or encouraged to talk about it. Well done. You make money and finance so interesting. Thank you.

[@jackiem9460]

Word for the day...'Find the best and keep it'. I have found the one who makes my heart sing :)

[@ryanal-hassani4658]

U break up yet

[@jackiem9460]

@@ryanal-hassani4658 Never!

[@user-fn6jr7gt8n]

@@ryanal-hassani4658 what’s wrong with you?

[@ryanal-hassani4658]

@@user-fn6jr7gt8n take a joke mate

[@mrsm482]

Nothing is a mistake, as long as you learn from mistakes and progress intentionally.

[@garykubiak]

Love the podcast! One suggestion though. Can please have more descriptive titles, like including the names of your guests? I'm sure that'll help your awesome channel show up for more people. Thanks!

[@jadiecakes3241]

Ramit is describing the budet mom method of budgeting. She (Miko) talks about finding your WHY to budget, and is your money going to what you want it to, to reflect your values.

[@hisnherscents]

I have a budget and I look forward knowing what I want to do with my money. Having a budget is all about having a plan.

[@melisaforerovalest3989]

Hi guys!!! These are the conversations we should have with our children, money is not everything and well managed allows us to cover needs and most importantly: buy what is necessary. I have always thought that it is better to have money to travel and buy books and coffee lol. Abrazos desde Colombia.

[@racenoob68]

Love this episode!

[@lodnisroub]

I once heard that cheap people spent on useless shit and really rich people buy only what they need. Eight years back, I earned the same amount of money as a few of my friends. There was an issue - I must have lied to them, because I was able to save much more from my salary than they did. That was the time I realized that earning a certain amount of money does not mean much, if you do not couple that with how much you are spending. For years I earnes more than i spent. Last few months, I earned much less and sometimes spent more. But that is no issue. Most of people in my country are literally 3 months from being homeless. Which is really frightening. I sat, did some calculation and found out I can go on for much longer than I thought, even though there is a modern plague crisis and I cannot freelance as freely as I had before this crisis. Blew my mind. I felt like... I am rich and I even did not realize it. But I have some objection against lifecycle funds. I like to have some control, and sometimes a crisis comes at the worst time. But I am the data-information-analysing gal who just likes numbers.

[@luxter02]

WHAT A GREAT DISCUSSION !!!!!!

[@rozumum1552]

It’s exactly what I needed, thanks 👍👍👍

[@winromeo]

Love this episode. Thank you

[@robbiethornton-peek3928]

You’re saying is a budget - you look forward each month to where you want your money to go each month & yearly.

[@danicegewiss862]

I just bought the book. I'm enjoying it. Lots of common sense.

[@misssicily100]

Joshua I like the fact that you are REAL. There are not too many people out there that are this way.

[@serena6477]

Great episode

[@feathersky860]

Thank You Both 🇺🇸 🍎

[@yvjyang]

Damn Ramir was amazing!! Following his socials now! Thank you!

[@jenrx777]

If I made more money than I want/need, I would keep growing my income to use the extra to help people and animals in need. I think you can never make too much money; you can only spend it in the wrong/selfish way.

[@ah5721]

Agreed. Its not loving of money, it's the wanting more for the reasons it provides richness and assistance to others.

[@northstar4851]

I'll bet you could contribute now. As we make more, we generally spend more. That's the pitfall.

[@user-ee5om8wy7u]

I do plan my money forward, but that's what call doing a budget! I budget for a month ahead of time....and I do track my spending because it's what I like to do (I do it automatically)....

[@mkitten13]

It's so funny Ramit compared dieting to money management, because the way I approached and fixed my own finances back in 2017, ended up being so very similar to the way I approached my diet 4 years later. I focused on the big stuff, making good habits, the monthly averages rather than the individual daily nitpicking, I used self-made spreadsheets for both (I'm one of those weirdos that really love using spreadsheets for more or less everything in my life). And I was successful with both. I went from having no emergency fund, no control of my everyday spending, being stressed whenever a surprise expense popped up (often several at a time) - to paying off my home early, having proper savings, planning to invest. Same with my diet, I went from horrible eating habits that constantly left me feeling crap, being moderately obese, sedentary - to being normal weight, having more control of my bad habits and feeling a ton better for it, and regularly exercising. And with both things I don't feel limited, I feel free. I don't deny myself treats or junk food if I want it, I just know how to stay in control. Same with purchases, I don't sit around regretting my purchases, I just make sure to stay in control.

[@GodSaveTheClothes]

I love my budget! I'm kind of a budget fanatic with a family budget binder and I keep up with it every week. lol!

[@jaelim7723]

It just felt like he is arguing semantics where he takes narrow focus on what it means to have a budget. A part of budget creation process is setting short term and long term goals.

[@oakley-raineshepherd6657]

Loved this episode.

[@user-wq5pf4vo2z]

I bought a chain saw in Lowe’s. Then spent the weekend chopping all the large tree around my new home. Then dropped it off for a credit at the store and used it to get new tools to fix the plumbing in the bathroom and updating the electric box.

[@HealthyCompetition_]

RAMIT! Yeah!!!

[@weyustyle]

Great 👍🏾 Interview . I learned so much about the author of the book 📚 plan for it ! I dream big .. deep! I am happy to hear him speak .

[@smitty0375]

Yeah he's talking about a budget, just being provocative. BTW I use ynab for budgeting and it changed my life, will never leave.

[@carylmaluping9632]

this was great

[@danmeck5978]

Ramit is saying he does not recommend budgets yet he talks about percentages and planning. You only do that by having at least a basic budget and knowing your numbers.

[@dkbegue]

Love the What if .......question make the imagination run wild Also stop looking at the 3 dollar question and look at the 30,000 question. Either words stop seeing the short term but see the large term goal to make your decisions

[@heynaveeen]

Perfect lights.

[@Ammut6]

35:00 I have one cresit card and only one. Pay it off in full monthly. Pay all my bills, gas, and spending on it. Got up to an 820 cresit score!

[@fpl_bailey]

Why only one? Is it a 2x/2% back on all purchases? If not then you are doing yourself a disservice. Don't get caught up on the credit score unless you are planing to get a expensive item so you need a great interest rate but instead focus on what you get back on *intentional purchases* .

[@Ammut6]

@@fpl_bailey it wouldn't hurt to look around for better percentages. But I am saving for a good down payment on my first house. But I completley understand your comment!

[@fpl_bailey]

@@Ammut6 o ok understandable.

[@bakhtiyarzhassugunov4836]

Cool ! Thank you so much 🙏

[@BE-bs8oe]

My parents started up very heavily in debt and ended wealthy after working hard. The thing I never forget is all kids got penny(piggy?)banks to put any of our savings in, however small. We had a kidsavingsbooklet at the bank to put most savings on. Most importantly: each time people offered us money, we were obliged to give half of the sum back. On longer away from home holidays we got a dollar each day to spend on whatever we wished. I always saved them up for a week in order to buy a decent quality toy or gift. One of the other kids bought each day cheap gadgets and cried every nite when they broke. That one still needs to have huge income and live in debt. Another one ran to the shop to buy sweets. He now just now enjoys live, with or without money. I have always saved at least half of any money coming my way. Love spending on good cultural events and products, as well as gifts and healthy food for home cooking. Currently looking into ur "values, philosophy" theme, not always sure how to predict what to love in 5 or 10 years from now.

[@phenylalaninemusic]

“You probably don’t want that”. New favorite quote. 👏

[@jfar3340]

I want to live in a million $ house, I want to do 2 luxurious travels per year, I want to buy vintage and expensive guitars, I want to buy bespoke suits, I want to have my own home gym in my basement and my own pool, I want to live in a city (not in a distant suburb), I want to buy single malt whiskies, I want carbon bike, I want to buy luxurious jewlery for my wife and rolexes for myself. However I drive a honda.

[@marram2852]

Ramit Sethi has never investigated Dave Ramsey's Every Dollar budget app because it is looking forward and making every dollar go where you want.

[@Africanbeautyy93]

So good

[@CandyLemon36]

Exceptional content here. A book I read on this was equally remarkable. "Mastering Money Mindfulness" by Benjamin Hawk

[@clauaome25]

The key is always balance ☯

[@clozell4]

Can we have him back on to talk about how to successfully do all this now we're in a covid scared world? Many circumstances have changed for people so it'd be nice to hear how we can still save and live frugally for lack of a better word.

[@blainedowns6152]

I actually use YNAB budgeting software and it's kind of like what he is talking about. YNAB is kind of like Everydollar in the fact that every dollar has a job. The difference is with YNAB budgets the money that you have, not the money that you are expecting.

[@jazzpottinger6435]

“Kenya, India, and Thailand” awesome

[@theshafeek]

Please let him complete his point. Do not interrupt/Change topic - might be for your next discussion