How to Do Financially in Crazy Times

"My wife and I are in the messy middle. These times are crazy. What advice do you have to organize life and get through this season?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

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• 0:24Speaker 01

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• 0:31Speaker 02

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• 1:07Speaker 03

  We have another question from Cade M. It says, what are the benefits of rolling over a 401K? I have retirement accounts from previous employers, a 401K and a 403B. What are the pros and cons to rolling over to the same institution where my current 401K lives?

• 1:25Speaker 04

  Tell me the other accounts that Cade said he had.

• 1:29Speaker 03

  He has an old 401K and 403B. And now he has a new 401K at his current employer. So do you just leave them be? Do you roll them over?

• 1:38Brian Preston?

  But he also threw in another piece of thing. He said that he's considering doing an IRA rollover at the same institution where now his current 401K is. Did you hear that?

• 1:48Speaker 04

  I did not hear that, but yeah.

• 1:50Brian Preston?

  Wasn't that the last part of the question?

• 1:51Speaker 03

  Well, he said, what are the pros and cons of rolling these things over to the same institution? Yes.

• 1:58Speaker 04

  But he didn't say to an IRA.

• 1:59Speaker 03

  Yeah, I don't know where.

• 2:00Speaker 04

  I think he was just saying, and two is current.

• 2:01Speaker 03

  Nothing about IRA specifically. Which maybe is that, but it's not what I saw.

• 2:04Speaker 04

  A lot of people are faced with a decision. We change jobs, we end up moving into a new. We end up moving into a new role, a new job, and we have this old 401k left out behind there. We can decide, okay, what do we want to do with this 401k? Well, we really have four options, but it's not really four options because I'm going to take away the fourth. One of the options, we don't cash it out because if you cash out your 401k, you're going to end up paying ordinary income taxes and a 10% penalty on that. So then you ask the question, okay, well, what can I do? Well, I've really got three things I can do. I can leave it where it is at the current institution, under the current structure. I can roll it into the new 401k, new provider, and invest in there. Or I can roll it over

• 2:47Speaker 04

  into an IRA. I can just open up a rollover IRA and roll it into there. So when I have those three options that I get to choose from, how do I decide which one I should do?

• 2:58Brian Preston?

  First of all, you also need to make sure you have enough in the old 401k that they don't automatically distribute it to you and take away your choice. So do a little research on that. But always, you have to do the research and do the homework on how good are the investment options? What are the administrative costs within the plans? And if you figure out that your new plan is just as good, if not even better, I don't see any problem with you rolling it into the new 401k because that still allows you, especially if you're higher income, to continue to do backdoor Roth contributions. But if you find that your old 401k is bad, your new 401k is bad, probably set up by the golf

• 3:41Brian Preston?

  buddy of the owner of the company, and you're just like, I just do not love this is where this is going to hold the majority of my retirement assets. That's when probably an IRA rollover does kind of stand out because you control who do we work with, what do we get to invest it in. But you've got to do the work. You've got to figure out. And that's why we do, if you go to moneyguy.com/resources, we actually have a really good resource to kind of help you go through a decision matrix on should you keep the money where it's at? Because maybe you worked for a Fortune 500, you previously worked for a Fortune 500 company and it has a really low-cost 401k. I don't want you rolling it over just for the sake of consolidating. ...to your new plan if it's a bad plan.

• 4:22Speaker 04

  That's right.

• 4:22Brian Preston?

  You've got to do the research steps to know if it's good. And I don't want you immediately just automatically going into an IRA rollover at your favorite institution because you might be cutting off the corner on certain planning opportunities you have. So you've actually got to, don't skip leg day, do the homework, and actually go through our worksheet that we've got on moneyguy.com/resources.

• 4:41Speaker 04

  I think one thing that often gets overlooked, people think, hey, I've got this 401K plan, this 403B plan, I'm not paying any fees on that, nobody manages that. That's not true. All retirement plans do have some fees that they are subject to. So even when you're assessing, don't just look at the investment options and don't just look at the institution, look at the actual fees that you're paying. You can go pull the 404A disclosure, or oftentimes there's like a 408B2 disclosure, you can ask for those, from your HR department, and it'll actually walk you through, what are the fees I'm paying on this retirement account that I'm participating in? And you want to compare the old one to the new one, because if you can also save money on fees, some of that's going to stay in your back pockets. That's another thing to assess as you go through this investigation.

• 5:27Speaker 03

  Awesome. Kate M., thank you for being here, thank you for asking the question, and I hope that helps you think through this question. That's awesome. Okay. Liam asks, "I'm a 27-year-old PhD candidate on step five. I'm maxing out my Roth, but have no 401K or HSA options." And obviously, those are a big part of a step in the financial order of operations. "Do I have any other options for investing other than a brokerage? I make about 40 to 50K in side hustles right now." What would you say to Liam?

• 6:02Speaker 04

  Oh. Liam, I have a question. When you do those side hustles, how are you getting paid? Like, side hustles meaning like, I'm working part-time, getting W-2 income? Because then there's not a whole lot you can do. But if side hustles are, you're getting 1099 as an independent contractor, well, now we have a lot of really fun planning opportunities. Because when you are a self-employed individual, it opens all kinds of wonderful world of finance choices.

• 6:28Brian Preston?

  Yeah, I mean, the old-school answer used to be- You just go look at a SEP IRA and fund that to 20, 25% of your income funded basically by the employer. But then along comes solo 401Ks, which now allow you to do, since you said you don't have a 401K at your work, that means you have your full wide open on 415 funding limits, meaning you can do salary deferrals up to the $23,000.

• 6:54Speaker 04

  Yep.

• 6:55Brian Preston?

  And then you could do a profit sharing portion on the other side of the 23,000 for probably 20, 25% of the profit of the side gig that you've got going on. And it's an incredible saving opportunity. So you don't have to, especially if you have side income coming in, if you don't have a 401K with your employer, go create your own opportunity if you have side hustle income. Now, you have to make sure that this is money that's going to be subject to self-employment taxes or payroll taxes for it to be eligible for these retirement plans.

• 7:30Speaker 04

  But let's say that for some reason, maybe you're doing part-time work and it is a W-2 and you're not getting a 1099 and all you can do is a brokerage account. That's okay. You're a PhD candidate, which means likely when you finish your education, you're going to move into a vocation where you're probably going to have access to things like a 401K or a 403B or maybe even a 457 where you can double dip. So just because you're not able to build those accounts right now in your financial journey does not mean that you won't be able to build them at some point in the future. What you really want to master right now is the behavior. If I'm making 40 or 50,000 a year, am I still going to make sure that I'm saving 25% of my gross income for the future?

• 8:12Speaker 04

  Because if I can do that when I'm making 40 to 50,000 a year, then I'm likely going to be able to carry that same behavior forward when I'm making 140 to 150,000 a year and I do have access to all these wonderful retirement plans. So the fact that you're saving at 27, if you've not done the Wealth Multiplier, go to moneyguy.com/resources, play with our tool out there. It'll blow your mind what every one of those dollars can turn into, even if it's just following into a brokerage account, which is totally an okay thing at this stage of your financial journey.

• 8:41Brian Preston?

  Great point.

• 8:43Speaker 03

  Love it. Another good answer for Liam. Thank you for being here. Thank you for asking the question. We always appreciate hearing what's going on in your financial lives.

• 8:50Brian Preston?

  By the way, I feel like I have to give Bo a compliment now because I talked to him about twisting his tongue and stuff. And then the la- next, I mean, was it two questions later, he's out throwing out 408 and all kinds of initials.

• 9:02Speaker 04

  I felt like I had to flex.

• 9:03Brian Preston?

  I was like, dude, okay, maybe, maybe the stash ain't taking any brain capacity whatsoever.

• 9:08Speaker 04

  I felt like I was challenged. I had to rise to the occasion, you know what I mean?

• 9:11Brian Preston?

  It probably, it's probably taking a dividend on, a toll on his food consumption because, you know, some food's getting caught up in there in the stash. But it's overall, brain, horsepower is full of operating. It was, it was a glitch. It was a mistake on my part.

• 9:23Speaker 04

  Hey, I'll take that. Thanks, guy.

• 9:25Speaker 03

  That was a good update. All right. Ready for the next personal finance question?

• 9:30Speaker 04

  I now have a mustache in support of Bo.

• 9:32Speaker 03

  Oh.

• 9:33Speaker 04

  Hey, if you're drawing a mustache right now, make sure, can they tag us on social media, Matt? Is that a thing they can do?

• 9:38Speaker 03

  Yeah, at Money Guy Show.

• 9:39Speaker 04

  Hey, take a picture of your stash and tag us on social media. We'd love to see it. I want you to see how strong the army is.

• 9:44Brian Preston?

  I mean, I don't mean to keep bringing it back to this, but it is making me start to feel like, are we, are we going for a branding thing here, like a KFC type branding? Opportunity?

• 9:53Speaker 04

  KFC? I mean, I wasn't thinking about Colonel Sanders, but maybe.

• 9:56Brian Preston?

  You said it. I didn't.

• 9:57Speaker 04

  Maybe.

• 9:58Brian Preston?

  And, and didn't he have that where he was twisty and then he had a little thing here? Was it in that Colonel?

• 10:03Speaker 03

  He does have some distinct facial hair. Yeah.

• 10:05Brian Preston?

  Oh, the Monopoly. We gotta get the, in the monocle, you know, get into the whole...

• 10:11Speaker 03

  You can wear the monocle.

• 10:12Speaker 04

  A cur- yeah, a cur- his wasn't-

• 10:14Brian Preston?

  Well, now, remember, that's part of the, the, the, what is it? The Mandela effect.

• 10:19Speaker 04

  Mandela effect, that's right.

• 10:20Brian Preston?

  Mandela effect.

• 10:21Speaker 03

  That's right. Oh, man. Let's not go down that rabbit hole. Okay? We've been there down that-

• 10:26Speaker 04

  We lost an entire week to that, that kind of thing.

• 10:28Speaker 03

  You did.

• 10:29Brian Preston?

  I still say Sinbad is not being honest with us.

• 10:31Speaker 04

  No, he's lying. He's totally lying.

• 10:33Speaker 03

  All right.

• 10:34Speaker 04

  Saw that movie and I remember it.

• 10:36Speaker 03

  We do have a couple more questions queued up. Are you ready for them?

• 10:41Speaker 03

  Kayden has a question for you.

• 10:44Speaker 03

  He says, "We're planning an addition for 125K. Should we pay for it in cash or use a HELOC? We have about 104K in cash currently and our gross income is 165K. We're 27 years old, save 15% and Roths are at 60K. We prefer to keep the cash so we can invest it. What do you think?"

• 11:07Speaker 04

  Whoa, whoa, whoa, whoa.

• 11:09Speaker 03

  There was a lot there, right?

• 11:10Speaker 04

  Okay.

• 11:11Speaker 03

  Home renovation, but also here's all of this other groundwork, right?

• 11:15Speaker 04

  Yeah, so Kayden, the renovation's gonna be 125 grand. This is not a small renovation. Uh, we have 104 in cash currently. Our gross income is 165. We're 27, save 15, and we have Roth money saved up.

• 11:30Brian Preston?

  We don't know what their spending rate is, though.

• 11:32Speaker 04

  But here's what I know. I know they've got 104,000 in cash. And look, I don't do a lot of really good public math, but if I got a thing that costs 125 and I know that I've got 104 and I'm gonna try to pay this thing in cash, I'm gonna use all my cash.

• 11:47Brian Preston?

  Well, what about emergency reserves?

• 11:48Speaker 04

  I'm assuming that's what the 104 is.

• 11:51Brian Preston?

  Yeah, but you just told him he's gonna spend that and then some.

• 11:53Speaker 04

  That's the point that I'm making. There's no way, in my opinion, Kayden, you're not in the position where you even have the choice or the option to pay cash right now. Because what you can't do is whenever you're doing a home renovation or you're buying a second property or you're closing on a home or whatever the thing may be, you just can't spend your cash all the way down to zero. We see people do this over and over and over again. It's gonna put you in a precarious situation that you do not want to be in. So when I, when he asked a question, "Should I pay cash or do a HELOC?" I don't really think he actually has that choice. Agree, disagree?

• 12:28Brian Preston?

  I think what's going on, and I kind of can hear it because it's almost like theme music. I hear Kenny Loggins. I see you playing the part of Goose and I've got my Maverick helmet on.

• 12:37Speaker 04

  He does this every time.

• 12:38Brian Preston?

  This sounds like the danger zone. I mean, it really does. I mean, I hear the music accompaniment kicking in. As Bo is exactly right, you have, I think this is going to be, Kayden, if I had to tell you, I think it's gonna be a balance of both. You're going to need to figure out what your burn rate is on emergency reserves. You've got to have three to six months. That's step four of the financial order of operations. And then so that you're going to have extra. And that money can go right into that home improvement project that you've been saving for. But then you're probably, if you can't come up with the gap, maybe the home equity line. But you got to, but I want to tell you before I give you permission to do that. You've got to begin with the end in mind is how do you pay back the renovation? Obviously, if you got to $104,000 of savings, you are able, you're in a disciplined way,

• 13:22Brian Preston?

  living on less than you make. But just make sure that you're building it into your financial order of operations plan so that you're not giving up on Roth funding, retirement matching, and all the other great things that come from building your financial opportunities in the future. But also, you know, doing this home renovation that's needed in the current moment.

• 13:41Speaker 04

  Now, I know that I'm normally the nice one and Brian's the mean one. But I'm going to be the mean one here for a second because Caden did say something. He said, hey, I'm saving 15%. Now, one of the things, here's what I don't know. This home renovation, this $125,000 improvement, was this a need or was this a want? Now, if it was a need, hey, our family's growing, we had to do an extra bedroom, we had to, you know, in order for us to be able to live the life that we want to be able to live as a family or need to be able to live as a family, we had to do it. That's one thing. If the $125,000 renovation was, oh, we're just, you know, blowing out the bonus room or we're adding a pool.

• 14:16Brian Preston?

  Putting some heaters on the back deck.

• 14:17Speaker 04

  We're putting heat, yeah, whatever the thing may be. You need to make sure that you're in the right part of your financial journey to be able to do that because I would argue at 27 years old, only saving like 15%. Your goal should be to get to 25%. And so you've got $60,000 of your Roths built up. That's awesome. But $125,000 is a big nut. And if you go out to moneyguy.com/resources and plug that $125,000 into the wealth multiplier, I want you to see how much this renovation is actually costing you in terms of future dollars that you're walking away from to make sure that you're making this decision at the right part of your financial journey and not accelerating it prematurely. That's my opinion. That's my cold water.

• 15:03Speaker 04

  You agree with that?

• 15:03Brian Preston?

  Yeah, thanks for being the heavy.

• 15:05Speaker 04

  Thanks.

• 15:07Speaker 03

  Someone's got to do it, right? Caden, honestly, hopefully that gave you a lot to think about and helped you think through this decision. So thanks for being here and for your question.

• 15:15Brian Preston?

  I'm always looking for opportunities.

• 15:20Speaker 03

  All right.

• 15:23Speaker 03

  I'm interested to hear what you guys say about this next one. It's from another Brian.

• 15:28Speaker 04

  Why are I?

• 15:30Speaker 03

  Um, one I, two N's.

• 15:33Brian Preston?

  Are you sure that's Brian?

• 15:34Speaker 04

  Brian?

• 15:35Speaker 03

  Bri- Brian?

• 15:36Speaker 04

  I don't know why the second N made me put a question mark at the end.

• 15:39Brian Preston?

  It does, it does kind of add a question mark to it.

• 15:44Speaker 03

  Well, the question says, "Good morning. My wife and I are in the messy middle. These times are crazy. What advice do you have to organize life and get through this season?"

• 15:55Speaker 04

  What's that funny acronym people say? Hodel, Hodl? What is it? How do I say?

• 16:00Brian Preston?

  Hold on for dear life.

• 16:01Speaker 04

  Uh huh, that's it. Just, ah, just grab on. Oh, man, Brian, uh, let me, let me give you some solace. So you asked, "What advice do we have to organize life and get through the season?" Man, it's hard, cause like, when, when, when you're in a tornado, what advice do you have? Man, you just gotta figure out, how do I? Sometimes it literally is, how do I survive this thing? But you're not alone. Uh, and this is what I've found, and this is the counsel I give. There's a lot of folks that are in the messy middle. And there's a lot of folks that go through the messy middle, and it's not easy. You have a thousand different things pulling you in a thousand different directions. And all of a sudden, a thousand different unknown unknowns fall on your plate. You don't have any money left over, you don't have any time left over, you're exhausted.

• 16:46Speaker 04

  And you just have all this different stuff going on. So what you have to focus on is what's the very best next decision I can make? And sometimes that decision might be, hey, I'm not gonna shut off the Roth funding. Hey, I'm not gonna pull money out of the emergency fund to do this thing that I wanna do. Or hey, I'm just gonna keep my head down. Hey, I'm gonna make sure I got a pay raise and I'm gonna save an additional 2% into my 401K. Sometimes you just have to focus on making the very best next small marginal decision until you can get through it. Cause a lot of people, they get in the messy middle, like, oh, my financial life was an absolute disaster. How do I fix it all? And unfortunately, it's gonna be really hard trying to fix it all.

• 17:29Speaker 04

  So you gotta try to fix one small thing at a time. And one of the ways that we want to help you do that, Brian, can you hold the thing up? We have the financial order of operations that even as you're going through the messy middle will help you stay true. Okay, I was doing great and then something happened and then I was doing great and then something else happened. If you can use that as your barometer, as your litmus test, is that right? If you can use it as your brace to make sure that you are staying on the line that you should be staying.

• 18:01Brian Preston?

  Your compass, you're navigating.

• 18:03Speaker 04

  If you can use it as your compass. Let's do some more analogies. If you can use it as a tool to make sure that you know you're not getting too far off course, there's a very high likelihood that your future self, when you come out of the messy middle, when you get to the back end of, you're saying, "Man, I'm so glad I did not deploy some permanent solutions to temporary problems like stopping my savings rate, racking up credit card debt, borrowing more money than I should have, making negative financial decisions I'm going to pay for for decades that maybe I could have avoided if I would have just like stayed the course and kept my head down to the messy middle."

• 18:41Brian Preston?

  Brian, I would share, break the illusion. So many people out there currently, I think because of social media, they think everybody's doing great and you're the only one in the world that's struggling because you're looking at everybody's highlight reel. I mean, when you look at Instagram, when you look at any type of social media, people aren't being real with you. They're telling you kind of their highlight reel of how great their life is. And that's why we did a show, YouGov had this survey that said, "How many people that made a half a million versus how many people made a million?" And the percentages of what the public thought were crazy. I'm talking 20...

• 19:19Speaker 04

  One in five fucking made a million dollars a year.

• 19:21Brian Preston?

  Yeah, it was like 20-plus percent on a million dollars. Meanwhile, you know, that's like a percent of a percent or something. It's like nothing. There's not many people doing that. So I want you to know, Brian, everybody is struggling through what you're going through. I want you to embrace this messy middle where you're short on time, you're short on money. Know that there are more people just like you than there are not despite what social media is saying. Exactly right. You can each decade of your life is going to have its own special sweetness, even if it's a struggle. And I want to encourage you, don't give up on still following the financial order of operations, but also don't give up on bedazzling your basic life and still making memories.

• 20:05Brian Preston?

  Nothing says you have to go book airfare for five to go make memories. You can do road trips. You can do all kinds of crazy things, national parks. There's lots of ways to embrace the moment and still maximize it both from the financial planning goals as well as from the memories. And I don't mind my experience sharing. I put this in Millionaire Mission and I've shared it on the show a bunch of times. Even in my trajectory through life, I didn't feel comfortable with money until I got to be 42, 43 years of age. And that's with making lots of good decisions, but also going through the messy middle of moves, you know, starting a business, changing jobs. There's all kinds of things that put me in my own messy middle. Embrace that there's a whole community of us and probably more of your

• 20:49Brian Preston?

  peers are struggling through this. It's just that we're not always honest with the people around us because in this new, modern world, we all kind of fake it until we make it. And I'm saying, throw that out, break the illusion and just realize it's going to be hard, but even this, you will look back on just like a good country music song and you're gonna say you're gonna miss these years. Or yeah, maybe you were short on time, maybe you're short on money, but there's going to be its own special sweetness. Cause I even share that in the book is that my happiest time in childhood was actually when my dad was unemployed and money was the hardest it was for my parents. And that's probably there's something to be learned for you on that to make sure you're not squandering the memory part of this, even when money's tight.

• 21:34Speaker 03

  Love it. All right, Brian. Thank you for being here and thank you for the question.

• 21:40Speaker 03

  All right, we've got one from Torch78 up next. He says, "Would it be best to take the one-time tax-free rollover IRA conversion to HSA contribution next year, or wait until I reach 55?"

• 21:55Speaker 04

  You guys take the one-time tax-free rollover IRA. Yeah, there's a... Isn't there an age limit on that, though? So, what Torch is asking is, hey, there's an opportunity where I can actually choose to rollover, I guess it's $7,000, or the... What was it, $6,500 or $7,000? I can't remember the number it was. I can do a one-time rollover from an IRA rollover into an HSA to fund the HSA. Is that something that I should potentially take advantage of? And, again, in true financial advisor fashion, the answer we're going to say is, it depends. It depends on what your financial situation is, as well as what your financial resources are, because when we think about funding health savings accounts and growing that,

• 22:40Speaker 04

  it's such a valuable planning tool. That's why we put it in step five of the Order of Operations. Bring the other thing up. That's why we put it in step five of the Financial Order of Operations, because it is a triple-tax-advantaged savings vehicle. Not only do you get a tax deduction when you put money into the HSA, but you can then invest those dollars, and they will grow tax-deferred, and then, when you go to pull those monies out for qualified healthcare expenses, it's completely tax-free. So, rather than taking some money out of your portfolio that's already there and rolling it into the HSA, I would love to see you put new money in there. So, you're not just shifting the pot that it's in, you're actually adding additional dollars to the pot.

• 23:23Speaker 04

  So, I've seen people that have done this one-time rollover. They usually do it in the year that they retire, around about that age. But, given all the options, I would probably choose new dollars flowing into the HSA over the rollover.

• 23:36Brian Preston?

  Yeah, I mean, you're basically going from a step six to a step five. So, unless your lifestyle requires it, because you've had something come your way, like a hardship or something, I'm exactly with Bo, is I think, I like new money because of, remember, triple-tax advantages. You get tax deduction, you get tax-deferred growth, and then if you use it for medical, qualified medical expenses, it's tax-free. That contribution is really powerful on the front end. So, check into that, make sure you understand those components to it, and...

• 24:08Brian Preston?

  Thanks for the question.

• 24:10Speaker 03

  Awesome. Well, Torch78, like Brian said, thanks for the question. We love hearing your questions. So seriously, thank you for being here every Tuesday at 10 a.m. Central and thank you for subscribing to the channel. That makes a huge difference. So if you haven't done that and like what you're, we're talking about today, make sure you subscribe. And even after the cameras turn off today, moneyguy.com is always there for you. Moneyguy.com/resources in particular has tons of free stuff. I know I'm always plugging it. That's because I just want to make sure you know it's available. So that when you're having these conversations in your life, when you're thinking through these questions and it's not Tuesday at 10 a.m. Central, go check out the resources because there's a lot of, you know, maybe

• 24:51Speaker 03

  a bit more in-depth or a place where things are written down for you that you can download or go and do a little bit more research and it's all for you. So make sure you check that out.

• 25:01Brian Preston?

  I like that we got a bunch of questions today, Beau. You know, we had about ownership decisions, a deferred comp. All these things really drive you to take an active role in your personal financial life. And while that's important, is it, you have to own your financial future or it will own you if you're just kind of letting life happen. And that's something we try to make sure you know what to do with your next dollar. I'm your host, Brian Preston, Mr. Beau Hanson, Money Guy team, out.

• 25:31Speaker 06

  The Money Guy Show is hosted by Brian Preston. Abound Wealth Management is a registered investment advisory firm regulated by the Securities and Exchange Commission in accordance and compliance with the securities laws and regulations. Abound Wealth Management does not render or offer to render personalized investment or tax advice through the Money Guy Show. The information provided is for informational purposes only and does not constitute financial, tax, investment, or legal advice. Your website can do more.

• 26:00Speaker 01

  With Base44. Describe what you want in plain language and build a site where people can book with you or buy from you. Payments, data, security, and hosting are all built in. Go to base44.com. Honey, that flu keeping you up?

• 26:15Speaker 07

  Did you take Nyquil Intense Flu? Nah, I got this. Hmm, okay, I don't got this. Yeah, you need Nyquil Intense Flu. Undo your flu with Nyquil Intense Flu. Nyquil Intense Flu provides powerful relief of your flu symptoms so you can sleep.

• 26:34Speaker 07

  You do got this. Nyquil Intense Flu. The nighttime sniffling, aching, aching fever best sleep with a flu medicine. Uses directed, keep out of reach of children.