Thank you all for joining us for our last session of the day. I think it's a really good capstone for this conference. I am so thrilled to introduce Michelle Singletary to all of you. I know many of you know Michelle from her long career. She is a personal finance columnist for the Washington Post.  In fact, she texted me yesterday and said, I've got this last-minute thing I'm working on. I'm on deadline. Always writing really wonderful pieces of guidance for regular folks in the Washington Post. She has written four books, the latest of which is called What to Do With Your Money When Crisis Hits, A Survival Guide. Very well timed to coincide with the pandemic and all of the turmoil related to that. I remember Jeff and I talked to Michelle for the Long View podcast during that time. I think it was like April, May, 2020. And Michelle was such a calming presence. And I know that her readers really benefit for that. She has won numerous awards for her work over her long career. The most recent was a biggie, the 2022 Gerald Loeb Lifetime Achievement Award. The award is considered the highest honor in business journalism in the U.S. I'm choking up. So, it's a well-deserved award. I wanted Michelle here, she has a wealth of wisdom to offer on all things financial. But one thing that she writes about that I think is really differentiated is that she talks about kind of spreading financial wellness in her community and her world. And of course she does that through her work at the Post. But she does it in other ways, within her community, within her family. And I'll just say that that's one thing that really excites me about Bogleheads, that you're all so well-versed in your own financial lives. And of course picking up more and more acumen is always important. But I love the idea of deploying whoever's willing within this group out into the world to help make things better for people who need your help and who might benefit from your wisdom. So that's why I was thrilled that Michelle was willing to join us for this conversation. So Michelle, I'm hoping you can just start with your personal story and how you evolved into journalism and business journalism specifically. Yeah, great. Well, first of all, thank you for being here. I know a lot of people had to leave to catch a plane, so I don't feel any kind of way about that. Still a full house though. Yeah, still a full house. And I, can I tell y'all, I didn't know I was in your club. I just, I mean, I'm ashamed to say that I didn't really embrace you. And I came to this wonderful conference because I, you know, my husband and I have been indexing and very simple and forget it and has created great wealth because of Vanguard. And that's very significant because our family doesn't have a lot of wealth. And because of Vanguard and the principles we've been able to help family members go to college buy their first home, you know, help them with cars. And so I'm right here with you and I didn't even know I was in the club. So, and normally in my normal day job, I, you know, I don't recommend different companies for obvious reasons, but how do I get started in this? So really it goes back to my grandmother raised me and my siblings, there were five of us. And my parents, lots of issues abandoned us. We went to go, my grandmother saved us from foster care. And she was, if she believed in investing, she would be one of you guys. But my grandmother was so conservative. She didn't even buy bonds. The only bond she had was the bond of Easter for her dentures. So, but she was a masterful money manager. Can you imagine five grandchildren? Her husband was an alcoholic. So he didn't always bring his money home. And yet she paid all her bills on time. She was an unbelievable saver. And she was never apologetic for what she couldn't give us. She never had any guilt that we were low income. And that's what she, that's the legacy left for me. And so I never realized that that would be my career because even as a child, I challenged my grandmother. I was the banker in my family. And I, my, my siblings would come to me because they knew I always had money. I would do our jobs or I'd find money on the, I pick up every penny on the ground. You know, that rule that you're not supposed to pick it up if it's on, on the opposite side. I think that's just crazy. It's a penny, pick it up. So, so you know, and those pennies add up. So I always had money and my siblings would ask to borrow money and I would sit them down like they were at a bank. Well, what do you need the money for? And when do you expect to pay me back? And I would determine whether I'd give them the money based on what they wanted for. So you couldn't use my money to buy ice cream, but if you need an extra pencil, I'm gonna give you the money. And you better give it back when you said you were gonna give it back or I'm gonna run after you to hope, where's my money? Where's my money? And you can imagine I was not the popular sibling. And so when I got into journalism, I always loved talking to people and finding out something I'm very nosy. And that's really why I'm in journalism. And then I won a minority journalism scholarship to go to college, went to work for the evening sun in Baltimore, my hometown paper. And the business editor approached me because I've been covering religion and because I'm a money person, I decided as a part of my religion beat to talk about economic development. And she noticed that, so she came over and she said I want you for the business section and I started to cry. Because at that time, I hope you all not offended the only people in the business section were all white guys who love this stuff. And then the old white guys who were ready to retire and they didn't have to work after the markets closed or weekends. And so when she asked me, I thought it was a demotion. And so I was like, why y'all put me back there? And she said, no, I wanna diversify the staff. I wanna have younger business supporters. We wanna write about more than just the markets of what businesses are growing. And so she put me on the bankruptcy beat. Who does that?  So the bankruptcy judges, normally judges and their clerks don't ever talk to reporters, right? But the bankruptcy judges were so excited that someone was interested in their work, they would invite me into their chambers. I mean, to talk about chapter seven and 13, they were so excited that I was excited about it. And so I had like, you know, I scooped the bottom or under the post on stories because they would talk to me. And that's how I got into it. And little did I know that it really was the little Michelle banker that was coming out. And then I got a master's degree at Hopkins and then the post came to calling. And you know, as they say, the rest is history. I've been working for the post for more than 30 years. I know I look 29. And it is where I live, what I dream. And the column is about doing all that you do, trying to get people to understand this money stuff that is very complicated and very scary and very confusing, but we all have to handle it. And that's been my mission and passion for the last, since I, the column is 25 years, since 25 years. And my first column was about my grandmother, how she taught me about money.  She don't know none of that stuff. But, and I had to learn that part. I had to incorporate that in my life, but she put me on the road. And I love what the last panel talked about with, it's a lot about income and saving.  Y'all all know that's not true. I encourage people to get that expensive coffee, because if it's gonna keep you from slapping your coworker when you get to work, buy Starbucks coffee, because it's gonna get you to keep your job, so you have the money to invest. I went too long. No, that was awesome. I wanted to talk to you about the fact that you're in touch with a lot of people about how they're feeling about their investments. Can you talk about the current environment where for the first time in quite a long while, we're seeing stocks and bonds sink at the same time. So people who thought they were doing all the right things and diversifying have seen their portfolios and incur some significant losses. So what kind of feedback are you getting from your readers in this environment? Yeah, lots of people are scared.  You could consider yourself brilliant and just be invested in whatever. And so we have a population of people who sort of believe that that's what always happens. And so you gotta have 20% return at 30% return. And this whole conference, people talk about how boring, index investing is, but let me tell you, I think boring is sexy. My husband is boring and he is sexy. He's cheap and he's sexy. So that's what we are overcoming right now where we had all this growth where people didn't really have to do anything that portfolio could be out of whack, whatever. And so the conversations I'm having with people is listen, this is just a blip in history. Even the Great Depression ended, the Great Recession, it will end and many of us are gonna live decades. And so they are so worried because we have hyped them up on stuff, crypto, and everything has to be exciting and game stock. And so now when we hit that bump, they're not prepared for that bump. We are, because we've been through some bumps, we've been through some stuff. And so they're worried about inflation, they're worried about the market, I get that. And so one thing I try to do is I don't say don't panic, because that just doesn't help nobody. Go ahead and panic. Ah, I panic, and I'm one of you all, I panic. You know, I wasn't looking at my portfolio at all because I'd just be like, oh Lord. But I know my husband who's very calm and I'm like panicking and we're gonna go broke.  And he says, wait a minute, don't you do this for a living? So I say, go ahead and scream. Go ahead and feel what you need to feel. Just don't make a decision based on that. And the lesson is that you gotta have everything else in your life in order. So you gotta not have debt.  You gotta not take on all the student loan debt. Cause if you didn't have all of that stuff, during the times that the markets are down, you can weather that storm.  That's why that mixing the whole of stuff makes people make bad decisions. But I scream, but we don't have any debt except for our mortgage, which I hope to pay off this year. We sent all three of our kids to college debt free. You know, we use credit, but we pay it off. We do all things. So even if I lose 50%, we're gonna be okay, right? We're gonna be okay. We will adjust our life, right? And that's the message I think we have to tell people that this is a long game. And this is just a blip in history. So you mentioned your family, Michelle, your kids, three children, and it sounds like you and your husband have spent a lot of time inculcating them in the concepts of good financial management. Can you talk about, it sounds probably thrift and some of these other things, but what are the habits that you've tried to build in them and are model out for them? Yeah, so I'm very proud. All three of my kids are very frugal, very cheap, which we embrace that word. But my husband and I were very intentional about raising money smart children. And so when they were growing up, we like to make them suffer. Not suffer, suffer.  If you opened up their closet when they were little, there was very little clothes. They had three pairs of shoes. I was raised by a depression error person. So I'm really from the depression error. So we tried to not give them anything because we wanted them to just be kids and that we didn't give them cell phones. We didn't buy all the games and things like that. We just wanted them to live life with all the stuff. And so we had a lot of rules in our house. So one rule was, because kids watch television, so none of them ever had TVs in their rooms growing up at all, and we monitored that, not a lot of commercials. So we had a rule that when they did watch television, all these commercials. So we said, you can't get anything that you see on a commercial. And we actually pretty did stick to that.  So she was watching stuff on TV. I'm in the kitchen cooking. I see her watching it. I see the thing come up, some doll or something. She comes in the kitchen, mommy, can I have? I said, where did you see it? Now the kid is pretty smart. She's my daughter. So she knows the rules. So she stood there.  She tilted her head and she said, it came to me in a dream. Parents are always telling me, well, how do I raise money smart kids? You, there's one surefire way to raise money smart kids. Y'all ready to write this down? I know you are no taking root. The one thing is to say no. Say no. And so one time my kid was asking for something. I don't know what it was. I don't never listen to what they want. It's like Charlie Brown's teacher. When they asked for something, all I hear is what?  It's easy to say no if you don't hear what they asking for, right? Mommy, can I have? I said no. So it's no plus a reason for the no. That was the second part of it, the reason for the no. So for our kids, it was to send them to college with no dad. So mommy, can I have? No. And I have three words for you, college fun.  She said, mommy, can I have? Mommy, can I have?  Or all my friends have it, mommy.  I know you had, cause she know we got money. I know you having money.  This one up for about 15 minutes, y'all. She was hot, man. So finally, you know, after college fun, she said, well, I have two words for you.  She says, I have two words for you, nursing home. Now you boggle his understand, right? Like I said, that's why I'm saving for my retirement, right? So we denied, denied, denied. And I'm not saying that they were happy about it. They didn't have what their friends had. They didn't have the clothes that their friends had. They had, you know, one girl asked my daughter, how come you wear the same pair of jeans? And I love her answer. She said, well, why are you worried about what, that I have one pair of the same jeans?  But when did I know that it worked when my oldest, the first one, graduated from college? And we asked her to speak to a class. My husband and I do a marriage and money class at our church. We asked her to come in because everybody knew that our kids were all messed up because of all the stories I told them. So we had to bring her in as proof that they weren't all crazy. So she came in, she'd never told us this. She said, mom, she was telling the class. She said, when she graduated, all our friends were saying, I got six months. I got six months before those lulls kicked in. And I don't have that. I don't have that. When I walked across the stage, I walked across in freedom. That she ain't never tell me this. But that's how we roll as parents. You know, I know I tell a lot of stories and you only have a short time and all of us trying to catch a plane. But we just, we were very intentional. So we didn't go to the malls. In fact, it was like a band in our house. If they wanted to go to the movies, they had to go to a movie that wasn't connected to a mall. They couldn't hang out at the mall. And so the few times we went to the mall, my kid wanted one of those expensive pretzels. She had saved up for it because she knew I wasn't gonna buy it. She had a little purse at her little five dollars as she went up to the counter as she asked for the pretzel and she gave the woman the five dollars. Now she was smug and money and the woman gave her back, I don't know, like 10 cents. She started to fall out and oh, where's all my money? And there were like a long line because you know our Annie's pretzels is always a long line. Long line of people and she was curging out. Like where's the rest of my money, mommy? Where's the rest of my money? I said, well, that's what the pretzel cost and she's crying. And she said, I want my five dollars back. And I'm looking at the woman and she's looking at me and I'm looking at her and I said, give her her five dollars back. And she did, she took the pretzel back and she gave her her five dollars back and I could hear people behind me saying, well why she just didn't buy the girl a pretzel? Why she? And I said, because I'm teaching her a lesson, she wanted that five dollars more than she wanted that pretzel. And you know she remembered that story when she told the college story. She said, I asked my mother for stuff. We asked my dad for stuff and they said no and it would take me off but when I graduated, I was glad because I didn't need that pretzel. I didn't need that dress. I didn't need that phone but now she can be in a profession, she's a therapist. Now I'm making a lot of money but I can be in a profession that God gifted me for because my parents said no. Beautiful. So one thing I want to talk to you about Michelle is sort of moving beyond your immediate family. I know that many of us, I would guess many people in this room have loved ones in our lives who are not financially well, who need our help, maybe need funds, whatever. So I think a key challenge, if you're in that situation and I've been in that situation, how do you help without over helping and certainly without kind of imperiling your own financial life? Can you talk about kind of creating that balance and delivering financial assistance to others? Yeah, it's really hard. I'm a Christian so there's a thing in the Bible about profit. You can't be a profit in your own land and that's so true with your family. They don't want to hear nothing you have to say most of the time. And so I had a lot of survivors guilt. I went to college, I got a good job and making good money and I felt guilty that I survived and so initially I would just hand out money. I wasn't discerning enough. And then I realized that people would be wasting my money. I'm frugal. I breast all three of my kids breastfed them because the milk was free. I mean, I just still wearing my maternity underwear and my oldest kid is 27. Don't I manage it now? I packed the good stuff for you all. So, but then I realized I'm frugal. I'm doing the right thing and they're wasting my money. So my husband and I, we're big on rules. So we started to put in rules in place. We will help you for down payment on the house.  So we offered everybody in our family, if your kid gets in the college, we will pay for their books and incidentals for college. So we decided that that's what we do. We're not gonna pay for your irresponsibility. Now, if you fall, that doesn't mean that we're not gonna help you, but we're not gonna enable you to have bad financial decisions. And that works so well that, and the other thing is if you come to us, you gotta show us a budget.  This is a whole thing. And so two things happen. People stop asking us for money. Cause they didn't wanna, like my niece would call up and I'd say, she'd asked for some money. I said, well, you know what? I'm showing you no budget. She hang up the phone. That saved me $20, I'm okay. And so we try to invite them to things. My husband and I have a ministry at our church, a financial ministry at our church. We try to give them books and things like that.  If you want my help when you're ready, come and I'm there. And until you do, how do I get that passion out to help other people? That's not my family. And eventually many of them have come along, but I can't beat myself up about it because they won't listen. I'm their sister. I'm the person that was the banker. I was the one who told on them when they was little.  You broke the plate. My grandmother would beat all of us if one of us broke the plate. We would tell, I tell, I'm a snitch. Right, don't break the law. Cause if they come to me, you know how they offer people the deal. I'm gonna take the deal. So we help them when we can. And then when they're ready, when they fall, because that's when they really are gonna listen. You have to let people fall. And I'm gonna tell you, I don't know who's in this room, but you all have done a great job, but statistically your adult children are not good money managers because you don't want them to suffer. You don't want, you don't want them. You want them to have it better than you had. You say things like that.  And so we have to not enable these adult kids. So I wait for them to fall because sometimes you're not gonna get up until you fall. And then they'll listen. And then to satisfy my need to help other people, I have a ministry. I go into prisons to help people who are about to be released, handle their money. That's how I satisfy that part of my goal. And I hope eventually that family members will learn. And if they don't, I can't rescue them if they don't wanna be rescued. So you mentioned the ministry, Michelle, and I really wanna talk about that. Can you talk about how you got involved in setting that up and also how it works? So the first lady at my church, we would have women's ministry meetings every month. And she wanted to have a five minute financial minute. And that turned into 10 and 15 and 20. And she said, well, you need to just have a whole ministry. And so that's how it developed. And so, and I wanted to create something that was lasting because when you have workshops and people get so excited, and then what happens? They don't act on the information. And so I wanted to create a program that we would build relationships. And I modeled it after Alcohol is Anonymous because they have sponsors, people who they can call when they're at their lowest. So we created a money program where there's money mentors. And so they help them budget. They actually even call people when they're in the store. Like someone's in the store like Target and they're like spending and they will call their mentors like, I don't know what to do. And we've actually had people talk, like put the car away, go to your car. And it's a year long program. We start in January, we go to December, we take August off for a vacation. And every month for two hours, sometimes three, because I hang around afterwards, we have topics get out of debt, how to save better decision making, investing. And they stick around. And now with the pandemic, we went virtual. Do you know we have 200 people on average on Zoom for two hours, listen to about money? Regular, not y'all are brilliant people. I mean, just regular, trifling people for two hours. And we build relationships over that year. So by halfway through, they trust us. We say, don't spend, don't give that to that kid. And they actually act on that. In this program, people's credit scores go up on average 50 to 100 points. During 2021, so on average on the year, we have anywhere from 150 to 200 people, we have a really large church. And you don't have to be a member of our church, it's free. But during 2021, during the rough time on the pandemic, people in this group, this one small group got rid of $1.2 million in debt. That's amazing. And so as a part of that program is the prison outreach part, where my husband and I go into the state prisons in Maryland, men and women, and it's part of a reentry program. So it's a five to six week program where we go inside the institution for two or three hours and teach workshop classes to people who are about to be released. And so that's, it's a comprehensive, and the money mentors stick with the program. So we have several dozen people who we train to help talk to people. And they're not accountants, they're not showing them how to do Vanguard or anything like that. They're just like, where's your budget? Where's your budget? Why did you go shopping? You don't need to buy enough for Christmas. That kid don't need no more shoes. That's all we do to free up money so that they can save and invest for their future. So I'd like to talk about what works in financial education. So it seems like you feel like that sponsorship kind of buddy thing really works. But I'm wondering if you can just talk about it in your experience, what sorts of teaching resonates and helps improve outcomes? That's such a good question.  I think the more personable you make it, the better. I love Pristina, I go to her all the time because of the way you talk to people. I think what we have to do is, it's not about dumbing down, but like this conference, I'm like so geeky and I'm laughing at the beta jokes and the alpha jokes and something. But regular people, we're not regular, y'all. We, they won't get that. And it's very off-putting to them because it makes them feel like they're dumb. And secondly, it goes so over their head that they're not hearing the basic message, which is all y'all need to do is put money in a low-cost index fund and just let it go. They don't hear that. They're so intimidated. And so I think it's very important that we talk, we meet them where they are to encourage them to do the things that they need to do to grow their money. And I wish there were so many more people here at this conference who would get that they can do this thing if they just be present. And we make sure that we're talking to them in a way that they understand. I wanted to, I just have one more question and then I want to open it up to the audience. So if you have a question for Michelle, you can queue up. We'll be bringing the microphone down there. I wanted to ask you about the themes that you find yourself coming back to again and again in your work. I think Jason Zweig has said there are like, how many columns, Jason, is he still here? He fills six columns, six topics that he revisits with kind of a current events hook. When you reflect on your work, are there any key themes that you find yourself coming back to again and again in your articles? Most definitely.  It's just so cute. I'll talk to you a little later. Okay. And I just love his work, I'm such a big fan. So the key things, because here's the thing, I love this conference and it's all about, you know, like I don't do spreadsheets, I don't do any of that. But the thing that'll get to people to where you are is debt number one. This is a country that loves debt. So I revisit debt, spending choices, better decision making, love and money. I heard someone talk about having a panel about couples and money. A lot of reasons why people don't have the money to invest is that they're on different pages with their spouses. Because we tend to marry on money opposite. It's just how it works. I could not be married to another Michelle. So my husband is way different than me. Now, fortunately, we are on the same page money because I very purposely wanted to marry a cheap man. Which is very unusual. I mean, as a young child, I mean, a young adult dating, I knew the kind of man I wanted. Like I didn't want somebody who had fancy cars. I can tell y'all from a story like that, but anyway. So loving money, kids and money, and estate planning. Those are the topics I try to revisit. And I hate debt so bad. I mean, if debt was a person, I'd slap it. I just, I feel like this country could be in such a better place if we just had a healthy hatred for debt even for our mortgage. Even for the things that we think are worth the debt. I'm not saying don't use it. Obviously, most of us cannot buy a house off, right?  And when I write columns about pay your mortgage, I'll probably retire. The hate mail I get, mostly for financial planners. It's crazy because I can't stand that mortgage. And if I don't have a mortgage in retirement and things happen like it is now, I can weather that storm a little bit better. If my kids can go in, my youngest is a teacher. She can live on that teacher salary a little bit better because she don't have any student loan debt. And so saving is so important. And I'm going to throw in an income building, making sure you get enough knowledge and get in the right career so that you can have the right income. Although I don't ever say everybody has to be in STEM or something like that because I believe we all have a gifting for where we ought to be. And I want to teach people how to live whatever they decide that that's where they want to do. My kid wants to be a teacher. I'm not going to discourage her from doing that. I'm going to teach her to be a really good money manager. And then estate planning. We talked about this in the last panel. And someone said that it's so depressing because it's about death. That's not how I teach it. Estate planning is about life. It's not about death. It's about the living. What hot mess are you going to leave? If you don't do your estate planning, right? I mean, it's about the relationships. And then people do estate planning and they want to punish adult kids or people who weren't doing what they supposed to do. But when you are gone and you leave something to one child and not the other, who are they going to blame? You are dead. They're not going to blame you. They're going to somehow feel something about their sister. We are update. My husband, I update our wills every once in a while. We're in the process of doing that now. And we sat down with our oldest who's going to be our personal representative in Maryland. And we were talking about everything. We got to the house. Now, we have a beautiful one-acre property house. And spent all these years trying to pay it off. Love my house.   Keep that house, right? She looked at me. She said, we're selling the house. I am like, what? You don't like my house? Black people don't have no property. I went there. I went there. And she looked at me like I was crazy. And my kids have great relationship with each other. And she said, mom, if only one of us was able to have the house, that's going to make the other two feel some kind of way. Even if we aren't fighting, you're going to be really resentful. And I don't think that's what you want to leave. I was like, darn it, that kid going to sell my house. But she was right. It's just a house. We have taught them to be property owners. So she said, we can sell it, split it three ways. And we've taught them to handle money well enough that they could take those proceeds, buy a house of their own, almost if not outright, close to it.  And she's telling me, oh, there's 27.  But she was absolutely right. Plan for the living, what kind of relationships. If you don't have a good relationship, you need to get some therapy, some family therapy, so that you all can come together. I was speaking to some seniors at my church, and she would send her son as her representative. But she don't like his wife. And his wife has a lot of influence over her husband. Of course she does. She sleeps with him. So I said to her, I said, you need to get in good graces with that wife. Because let me tell you, it's not just about when you die. If you can't take care of yourself, and he has to take care of yourself, you're going to want her to want to take care of you. So you better build a good relationship with that wife so that he will take good care of you, and she will take good care of you. And she was like, I said, plan a lunch? She's like, I'm going to plan a lunch. Beautiful. Thank you, Michelle. I am loving this. We're going to take some questions from the audience. I'll put the mic right here. Thank you so much for being here. Welcome to the club. Thank you. I've been reading your column. I live in Washington, DC. I've been reading your column since I got out of school in the mid 90s. I know who Big Mom is. And I'm grateful for you and for this whole community, neutral arbiters of exceptional information with no angle. And my question is, when you look around this room, there's not that many women, and there's not that many people of color. And I wonder, what do you think it's going to take to bring more diversity into this group that's as far as I could undetect? Not prejudice, not mean, extremely generous with no angle. It's been beneficial to me as a military widow when I was seeking out a half dozen advisors, each of whom told me something wrong, illegal, incorrect for my situation. And this is where I got my information. And I wonder, how can we do that for a bigger population? Yeah, that's such a great question. And I spend a great deal of my time trying to get minorities and women involved in this. I think just within your, we can have big things like this. But within your community, just identify populations that you can go and talk to, community colleges, colleges, and have just simple forms. And meet them where they are.  You just have to go out there and be very intentional about trying to reach those groups. The program in my church, we've got young people, old people, white, black. So, and as you can see, I do, we have, one year I was teaching off of the matrix. And so we all had dressed up like the matrix. I had leather pants on. I can't fit them now, but I had them on then. One year, the whole thing was the Black Panther. So we got all the outfits. And we just do really entertaining, interesting things. We do kids and money sessions. And so that's, you just have to go in, find those pockets of communities, set up programs, but make it so that it's not a one off thing. If you, is there a community college with young adults, try to go there and see, maybe they've got a math class or algebra class or whatever, and just see if you can kind of incorporate some of this stuff within that system. And I think that's how you bring them in. But you're absolutely right. We have to get, and I think Vanguard could probably do a better job of reaching out. It's a great product just for those kinds of folks. And the entry point maybe needs to be a little bit better. In order to get the amateurs, you gotta have some kind of money. Now my daughter, she has an investment account with, she's got a retirement account and investment account with Vanguard. And it was a hard sell. Now you see how she grew up into, it was a hard sell for her. And she has three funds, 3,000 each, cause she should go, she had $25,000 saved up y'all, 25. I did not know that. So she's has an account. And unfortunately, we set her up just as the market started to go down. And so when we're in the kitchen preparing something, she comes in, cause all my kids live with us, that's another story. Which is great, we love it. We love that they live with us. She comes in and she kind of looks at us and she just costs her eyes.  But I said, we keep saying be patient, be patient. So that's how you do it. You do it within your own life, you do it within your community and you have to go to where they are. Thank you so much for being here. You mentioned helping folks with causes, cause or a purpose you value like buying a home. And you also mentioned the importance of spending choices. How do you navigate or offset the fungibility aspect of money? So someone brings to you something you value like buying a house, but you're aware of spending choices in their life elsewhere that you may not approve of. So in one sense, arguably, you're possibly enabling something you don't support. So when you, okay, wait, go back to the mic cause I think I wanna make sure I answer your question, right? So are you saying if someone comes to me and they wanna buy a house, but they're not a good spender, I mean a good say, how do I, did I tell them to go ahead and get a house or is that what you're asking me?  Because funds are fungible, one could argue they're using their own funds for the house and using your money for the crazy SUV. Okay, I see that. Well, yeah, that doesn't happen with us. So the times that we help people with like the down payment on the house, we have looked at their situation and we see their spending pattern. So if you were buying that kind of car, we're not gonna give you the money. So we are very discerning on who we choose to help that way. So we do look at your life challenges and we do say to people, no, you got this over here, you need to wait. So we are very discerning and I'm very like, no, I'm not gonna give you that. You're spending on this very expensive car. I have a 2006 Honda Odyssey and duct tape is my friend.  So I'm looking at your life choices as well before I give you some money. And my husband, me, me more than my husband, he's the good cop. I'm the bad cop.  I'm very candid. And when people, for example, whenever a forum, not this forum, but they come up and say, you know, should I buy a house? And the first thing I ask them is, do you have debt? And if you have a consultant on debt, I said, absolutely not. Absolutely not. You get rid of that debt first.  I say, you already got a house. Especially if it's the debt, it's like three, you know, six figures student loan debt. Absolutely not. And, you know, one woman came up and she wanted to upgrade to, she had a townhouse and an upgrade to on her house. And between her and her husband, I had $200,000 student loan debt. I said, are you insane? No, you're not going, live in that house. Oh, the boys need more room. How much room do they need?  Take them to the park. So I'm very opinionated. And I think that a lot of people just need to hear that. I mean, in our space, sometimes we're a lot like, it depends, I'm not a depend kind of woman. I'm like, don't do that. That's dumb. And I'll help you show you another way. So that's not a situation I find myself in. Michelle, is there a curriculum or the teaching material that you're using that we could use to get this message out? Wow, so we are working on that right now. And as a matter of fact, it's been taking forever. My job has been on consuming since the pandemic, but we are working on a curriculum that is both the Biblically based and a secular version. And my book before this last one called the 21 Day Financial Fast is Biblically based about a fast, the Daniel fast where you don't, you don't eat fruits and vegetables and no meat. And so this fast is that you don't spend any, you don't spend on anything that's not a necessity and you have to use cash. And so based on that book and my last book, we have created a curriculum. And it's a year-long curriculum. The prison curriculum is no more shorter. So we are working on that. We hope to get it up by 2023 and it'll be accessible through our website. Let me ask you a quick question, Michelle. I wanna ask about your charitable giving because that's something we've talked about your approach to charitable giving.  You told me that giving and having a giving plan set out and having it be automatic makes you better about managing your household finances. So can you talk a little bit about that? I would love to talk about that. So my husband and I are tithers, so we give 10% of our gross income because my pastor says, do you want a gross breasting or a net blessing? And we decided to make giving as important as paying our mortgage. So it's not last, it's first. And because we give 10%, we gotta really manage that 90%. And boy do we manage that 90%. Now I come from a low income background, my grandmother didn't do tithing, she couldn't afford it. But my husband and I decided that we have been so blessed. We both came from childhoods that didn't have a lot. His parents divorced and kind of left my husband on his own when he was like 14, not on his own, but they kind of disengaged from his life. My father tried to kill us. My grandfather was an alcoholic and here I am at the Washington Post and my husband's working in a great government job as a manager and we make an income that we never ever dreamed that we would have. And we thought, what are we gonna do with this? Buy more cars, buy a bigger house? That can't be all. Give it to our kids. I want them to work for their own self. We're gonna leave stuff to our kids, but we don't wanna leave them so wealthy. I love when Warren Buffett says, you wanna give them enough that they can do something but not so much that they do nothing. And so we decided that a 10% plus another two to other charities that we believe in has to be a priority in our life. Give first, then you manage the rest of the 90%. And we belong to a church that has a Shabbat center where we give to the poor, we feed the hungry so we make sure that our money is being used well. We have a jobs program. We have the prison ministry. I do the financial, we got a hundred ministries so we are well aware that our money is in good use. And so I think for all of us, we have to make giving a priority. And not, I mean, we get a great tax break but not just for the tax break. And it's so interesting. Y'all talk about tax harvesting and all that kind of stuff. I don't wear nothing, that stuff. I just give. That's a huge tax break. And I don't have to worry about taxes. And I'm helping our community. And so I believe that who much is given, much is required.  Who are you helping besides not just yourself or your immediate family but outside of that spear? Who are you impacting? What kind of financial legacy are you leaving for other people? It's gotta be key. The government can't do it all. And we know they don't even wanna do it. So it's up to us to help and make sure that our money, the thing that you work so hard for is helping people live a better life. And so that is key part of who we are. We give to our church. We give to, you know, public radio. Michelle, your giving is close to my heart. I really appreciate it. But before I get into a point I was gonna make, I have a 2003 Honda Odyssey. You know, in terms of making a difference, the topic that you just teed up is exactly what I came up to talk about. I've been very blessed myself, struggled through life, had a very stressful career, two time cancer survivor. And I made it to retirement. And so I'm blessed as well. The thing that I decided to do when I retired was to set up a private foundation to help cancer patients and their families because when they're undergoing treatment, can't work, can't pay their rent, can't put food on the table, can't pay utilities, things like that. And so I found that very rewarding. And I'm not encouraging anybody here to do the same thing because there's a lot to that, but you know, bless you for the work that you do. What I did wanna suggest to this group because it's available through Vanguard, through Fidelity, through Charles Schwab, the donor-advised funds, the DAFs, these are things that if any of you are fortunate enough to be in the position where you do have money and you do have the willingness and the heart to give, by all means, you can do this. And it's quite efficient and it cleans things up from tax perspective. So. That's great, I'm glad. And thank you for what you joined for those fans. Thank you. Michelle, I wanna thank you on behalf of Bogleheads for making the trip to speak with us. I have loved hearing from you. I think the audience has too, based on the reaction that I've been hearing. Thanks a million for doing this.


Lady Zamar dragged for Limpopo Prey's tweet. Musician Lady Zamar has defended herself against criticism, after she was dragged for her comments on the state of the music industry in Limpopo this week. After the success of artists like Sho Majozi and King Monata, Master KG, and Nomspo's Jerusalemma has taken over the globe, Lady Zamar took to her Twitter to praise artists from Limpopo who have been doing the most on the international front. She tweeted, Limpopo has been representing globally for a minute now, accompanied by a heart, plane, and earth emoji. Unfortunately, for the collide singer, her tweet didn't land the way she thought it would and some tweets interpreted the phrase a minute now to be disrespectful. They decided that Lady Zamar's intention with the tweet was dubious, even though it was clear to those who immediately understood her phrasing that she actually meant that artists from Limpopo have been carrying Zansi on their shoulders internationally for a while now. Not to be buried for a mere misunderstanding, Lady Zamar brought Google to help rescue her. She searched the term for a minute now and shared the screenshot for all the people who had missed the point. Google to the rescue for those who don't get it. Viva Limpopo, she said.


What's going on everyone? Sam here with late in sports cards doing six box f1 mixer 22 tops only one chrome hobby and late number 14 ran team style here's a look again at your random results as always you can find these on the website under the results tab as well as the link that's currently in chat so good luck here everybody let's do some f1 start with our lights as we always do and then we'll go into our hobby one thing really quick here we go we are on our way refractor Max Verstappen for Red Bull Alexander Albon Speed Demon Decim on Okon there's a mini diamonds Frederick Vesti for ART Grand Prix that's 207 out of 299 nice we got an orange wave coming up here that's going to be Johan Deribula orange wave f2 future stars for Prima Prima is Bobby S that's 14 out of 25 very nice congrats on that Bobby nice one coming your way there refractor Marino Sato Virtuosi Nando Alonso Alpine on the ray wave wave Fernando Alonso for Alpine again back Alonso's base cards there's Johan Derivula or Derival I can't say that one dude uh checkered flag refractor for Prima again Lando Norris refractor Grand Prix winner for McLaren our driver of the day that is uh um Austria Sebastian Petal Speed Demon that is for Aston Martin uh yes Aston Martin there's Carlos Sainz Speed Demons for Ferrari Raywave Carlos Sainz Ferrari cool one there base base base Kalin Williams future stars Raywave for Trident Voltaire Botos Grand Prix winner refractor for uh who is Voltaire Botos Mercedes yeah we've got Lando Norris for McLaren that is purple green on the um uh dual color card and Dan the Riccardo refractor portrait McLaren and Kalin Williams for Trident that's green Raywave 44 out of 99 congrats again on on that Trident that is Mark B there you go Mark box number two of light there's George Russell Mercedes refractor base Sergio Perez refractor for Red Bull and purple checker Lando Norris Grand Prix driver of the day 115 out of 199 that is for McLaren Speed Demons Nicholas Latifi base Raywave Pierre Gasly Alphatari nice one there Lando Norris McLaren Raywave refractor Carlos Sainz that is for Ferrari orange red Max Verstappen on the dual color card for France that is not numbered going to Red Bull nice one Talon Speed Demons George Russell Mercedes Joe Guan Yu Formula one's freshest refractor Nicholas Latifi for Williams on the Raywave nice one there Williams Chris V bass and bass there's Mini Diamonds Lewis Hamilton on the portrait 170 out of 299 this one there Mercedes Alex P Raywave coming up that is pink Raywave of McShumacher congrats Haas it's going to taxion C 39 out of 75 nice Schumacher son of Michael Joe Guan Yu checkered flag refractor for Alpha Romain Clemente Nova Lock Formula Formula one future stars F2MP motorsport Pierre Gasly on the Raywave very nice Alphatari that base one second again guys give me just before we start the last one here all right last box O light Raywave Lando Norris for McLaren nice one there Speed Demons Lewis Hamilton Alexander Albon on the Raywave for Williams refractor Mataya Benato principal card for Ferrari refractor Sergio Perez driver of the day Red Bull and purple Voltaire Botas Alpha Romeo 148 out of 399 again that is true purple that's alpha Mark D got a Yumu Iwasa gold purple for dams that's going to taxion C nice one there for Red Bull Lance Stroll Aston Martin refractor we've got a green Raywave that is Joe Guan Yu for Alpha Romeo 87 out of 99 uh Anthony which one is it uh said 50 is it maybe on mats but what is um what what break is it 58 and 59 uh Danny Ricardo Raywave try to help you with that like what product I should say what product what's up Mikey there's nice Danny Ricardo on the pink uh McLaren that is 40 out of 75 congrats on that McLaren not sure do you have an order number in your email there's uh Yuki Sonota Raywave impeccable football uh here let me check for you probably it'll be tonight that's nice Lewis Hamilton checkered flag refractor portraits go into Mercedes nice one there nice one there uh or maybe it very well also could be um it might have already went might have went last night Anthony um I can take a look for you Lance Stroll refractor for Aston Martin base Monday night okay perfect Monday night thank you Larla there's Lewis Hamilton refractor award winners from Mercedes and Yuki Sonota speed demons speed demons all right let me back to here onto our three boxes of hobby um Anthony thank you Larla as well I appreciate that here we go refractor formerly the one's freshest Joe Guan Yu for Alfa Romeo rookie purple green Max Verstappen Grand Prix winner Abu Dhabi 2021 that is not numbered dual colored card Nicholas Latifi speed demons uh purple Max Verstappen uh Grand Prix winner to 399 for Red Bull Yuki Sonota Alphatari refractor Max Verstappen Grand Prix winner Austria 2021 Lewis Hamilton that is refractor for Mercedes there's Christian Horner that is Red Bull principal card checkered flag refractor one per box George Russell speed demons for Mercedes first gold of the break I believe here that is Fernando Alonso refractor gold checker Lewis Hamilton nice one there for Mercedes 35 of 50 congrats Alex P on the gold Luhann Charles Leclerc base there's purple Voltaire Botas for Mercedes that is 94 out of 199 purple checker pro signs refractor for Ferrari and base on to the next one that's Carlos Sainz purple green driver of the day for Ferrari and Williams future stars refractor for Trident F2 Trident Lewis Hamilton portrait Lando Norris refractor McLaren nice one there driver of the day Marcus Armstrong that is F2 high tech Grand Prix on the refractor Alexander B George Russell refractor for Mercedes Lewis Hamilton speed demons there's a purple Sergio Perez true purple for Red Bull to 399 driver or Grand Prix winner Azerbaijan there's Daniel Ricardo McLaren on the checkered refractor Espanokon speed demons refractor Frederick Vesti ART Grand Prix and gold Sebastian Vettel driver of the day Azerbaijan that is 26 out of 50 going Aston Martin congrats on that Aston speed demons Pierre Gasly Grand Prix winners Lewis Hamilton on the green very nice Alex that is round 15 37 out of 99 for Mercedes to go in this box then we'll be on to our last box Voltaire Botas Grand Prix winner Turkey Mercedes on the refractor to the next one purple green GQs for Van Amserfoot nice one there Chris V future stars one of those per box on those dual color cards oh Norris refractor for McLaren nice one there that is F2 future stars Ralph Beauchamp for Compos on the refractor Pierre Gasly Richard for sure F2 Trident on the refractor nice one there Trident is Mark D Mark D picking that one up our checkered flag refractor TL Porsche for ART Grand Prix nice one there John M you get one of these per box Sergio Perez true purple Ralph Beauchamp that's going to Compos to 399 66 of 399 again for Compos Jack Duhann refractor F2 Virtuosi uh Charles Leclerc Ferrari uh on the refractor congrats Ferrari Mark D again Capier Gasly gold checker Lewis Hamilton second gold Lewis Hamilton that's 10 of 50 going to uh Mercedes nice one there congrats again Alex card number seven on that one base base and refractor base our Fernando Alonso on the speed demons for Alpine four packs to go everybody good luck here there's Mini diamonds Daniel Ricardo McLaren that is 79 out of 299 again for McLaren we got a printing plate nice stop Fernando Alonso interest uh that is makes you my favorite purple green Charles Charles Leclerc and speed demons Nicholas Latifi one of one printing plate congrats on that one there you go Nicholas Latifi pretty good Alex you're doing well man you're doing well you'll uh see in the recap base and base do a quick recap everybody we had greens 299 that is Lewis Hamilton green ray waves Joe Guanyu as well as Callan Williams that is Mick Schumacher on the pink to 75 ray wave Daniel Ricardo to 75 McLaren golds now gold checker Sebastian Vettel for Aston Martin Lewis Hamilton for Mercedes and Lewis Hamilton for Mercedes orange wave Johan Deravalo that is 225 nice one there for uh Prima and one of one printing plate Nicholas Latifi on the speed demons that will do it for the break guys thank you guys again for the film next up we have the sapphire mix


Welcome to the weather forecast for the beginning Wednesday, November 23rd, 2022. It's Thanksgiving week. This is Chief Meteorologist John Innsworth for Longmont Public Media. Wednesday, November 30th, very end of the month is our first quarter moon at 53% visible, rising just afternoon and setting the next early, early morning. The sun has some sunspots pointing directly towards Earth right now. You rotate around from that left side and Noah's put out some alerts for geomagnetic storms. Looking at drought conditions from last week to this, take a look at the northern front range and spots out here on the plains. You can see they're getting just a little bit worse. We definitely need more moisture, but not a lot changed. Nationally, there's a little relief in the west, a little relief in Texas, but not much else changes. Looking at our new snowpack sequence for this year. Going back a couple weeks, we were above normal, then to normal, and then this week just a hair below normal, 93%. Not a lot of snow is expected at this point, so it's okay. We're doing fine, hanging in close. Talking about the snow that we did have, the high country didn't get a lot, by zeroed in on Boulder County here, with Longmont getting two to three to four inches of snow, four inches nearby, and then over in Boulder, 12 inches, nine, eight areas to the east of town, four to six inches, but yeah, it was a good healthy snowfall. Down on Lafayette, we got about four inches or so. Looking at the liquid equivalent of precipitation, and it really was a northern Colorado Front Range Mountains area. The Springs area, Colorado Springs, got a little bit more than expected, which is nice for them, but yeah, it was kind of expected to not go much further south than Denver, but it did. Severe weather for the week, at least the first three days of this week. Nothing nearby, a little bit of stuff in Texas on Wednesday. On Thursday, we have a marginal risk on the Houston area. On Friday, it's along the Gulf Coast. The National Forest Service really overdoes snow, I think, in this forecast. Yeah, this big area here for Wednesday, and that's not happening. And for Thanksgiving, same thing. Maybe a few snow flurries, maybe a dusting, stuff comes over the mountains, but not lots even going to happen in the mountains, so I don't know what they're seeing. Here's our severe weather chances down in the south, and same thing for Friday, and we are truly high and dry on Friday. Smoke, not much in the whole nation, little wisps here and there, but nothing near Longmont. Our normal high temperatures drop from 48 to 46, so the drop is slowing down. Nighttime expected lows, 21 to 19. In the early part here, we are above normal weekend and early next week. On Tuesday, we plummet with a storm system that should bring some pretty good snows, and then it'll take a while to recover after that. Water vapor satellite image from Wednesday PM shows a low here in the Four Corners area, but it's too far south to really do much, so maybe that's what the weather service thought was significant, but we get downslope off the mountains, and you don't get precipitation easily from that. Highlights of the weather in the week coming up Thursday noon, we do head that low over to Mexico rolling around. It really goes slowly once it cuts off from the jet stream flow. We're on the wrong side of that low for any significant precipitation. It's just too far south, and the GFS supports that with a little bit of rain in south Colorado and a little bit of snow in the mountains of New Mexico. The real precipitation is happening over central and eastern Texas. Tuesday noon is our next storm, and this is a pretty vigorous trough coming into the west. We're on the right side of the trough for all the lift is occurring. We should have some good upslope conditions from that, and the model shows that. Pretty heavy snows in the mountains, moderate snow on the plains, pretty tight gradient here with even fulling air. The low is kind of far south, down in northern Mexico, but other runs will probably make that wiggle around a bit. Let's take a look at the animation. There's our low rolling around in the Mexico, northern Texas. That's our northern Mexico into Texas. It really goes slowly. The next trough comes in to scoop it all over the weekend, and we get ridging over us, warming us up, and zonal flow. The next trough starts digging in for our possible snow storm on Tuesday-ish, and then that pushes through. Thursday, December 1st, we have really a west to east zonal flow for a few days. Before another trough comes in, it's Saturday December 3rd into Sunday, and this is a pretty big trough rolling around over Texas, so we'll see what that does. Looking at temperatures, we do have our current cool air moving out. A little cold front coming down, associated with that low, staying way down in northern Mexico and Texas, New Mexico, and like that. We stay above normal through the weekend. A little cool air Sunday into Monday, but overall above normal. Here comes our next cold front for Tuesday, pushing powerfully down the eastern plains and over the entire state. This will be a chilly midweek. There's the next storm, and that's extremely cold air, 30 degrees or so below normal, flooding down with the front. Next weekend, probably an associated pretty heavy storm. We'll see. A little bit of snow in the mountains Wednesday into Thursday into Thanksgiving, and it dries out quickly later on Thanksgiving. For Saturday in the weekend, it's nice and dry. Exciting stuff happening in the deep south. There's a little bit of snow for Sunday night, Monday morning, and then the next storm comes in for Tuesday. There is a pretty good period of snow, so you could see travel impacts and like that going on then. Here's Thursday, we're dry. Friday, we're dry. Here comes Saturday, December 3rd, and another storm system is definitely gathering in the west. Snow in the mountains moving in, and it kind of fades out before it gets east of the Rockies. We'll see. That's a long time in the way. So over the next five days, a little bit of precipitation in the mountains. Down south, the Weather 5280 folks fixed their snow products, so we're back to having that. Over the next five days, we have a touch of snow down into Boulder, almost a long amount in the Palmer Divide area. A little more in the mountains. The next 10 days, after a quarter inch of precipitation, right along in west of I-25, less east of I-25, and the snow is a little more significant with maybe two inches, maybe three inches, four inches around Boulder. It's not a massive storm, but it's more snow and it's more moisture. Better stuff up in the western slopes and higher elevation mountains. So we have 40s at the middle of the week in Thanksgiving, 20s at night. We get to the 50s for the early weekend, 30s at night for at least one night. We drop back to the 40s and 50s for Monday, and then the front comes in on Monday dropping us to the teens, and Tuesday is really cold with a pretty good chance of snow. For frequent weather updates and local news, these two sites are becoming a really fantastic Longmont Leader and BrewingFieldLeader.com. Check them out. This has been Chief Neal of Just Jadon's Earth. Keep looking up.


Can we start by just you telling us your name and what you do or who you're with? Okay, awesome. My name is Vivienne Rolf. I'm from the University of the West of England which is in Bristol in the UK. I've been involved in open education for 10 years. I'm a science teacher. I teach biomedical and medical sciences. So I've got a background in creating open educational resources and I carried that through to Bristol where I live now. So you come from the faculty perspective would you say? I think I do, but I think I don't do so much teaching anymore but I'm more interested in the wider picture and in the UK I'm more interested in now the policies and sort of influencing wider communities. So obviously it's a great conference to come to because there's so much inspiring work that's already gone on where people have had those challenges and those battles so you've just come away oozing with ideas and approaches so it's a great place to be isn't it, the open ed conference. And anything in particular that has sparked to your then really interesting? I think the conference has been interesting this I think. There is such a breadth of stuff going on. I think in previous years there's been maybe a focus on one approach or one year there was just lots of people evaluating and case studies about what they're doing. And there's such a breadth right from we're hearing about perspectives from library staff perspectives on really just cool and simple bits of technology to use right through to the economics and the business models. So I think it's just been a thorough education for three days in terms of all the different facets of things that you can pick up but of course it's about the people as well and you meet just increasingly sort of more awesome people that you've kind of met before but no sorry that's a bit rubbish isn't it. So yeah no the conference is also about the people and connecting and making new networks which is what it's all about. And I'm not talking by the way that's why I'm not talking. Okay. So why do you think open matters I guess since we're talking about in the educational context for students, faculty and institutions? Why it matters. It's just such a fundamental thing isn't it. Everyone should have a right to getting the best advantages in life and I've never seen open as all this new thing we've got to do. It's just what makes me ticking away. It's always made perfect sense to me. So I think where it's been really exciting is where it's sort of widened the opportunities for students and people can maybe learn a bit more flexibly if they're holding down part-time jobs. You know you used to work with nursing students that were out on the ward but you still wanted access to materials. Just gives people more choice. So I think it's vital for students. I love the textbook idea. You know it is about costs isn't it but it's more about just making things more accessible also. It's vital for students. I just can't see anyone involved in education any more working sort of behind closed doors. It's just so counter-intuitive. From a staff perspective I think it's amazing. I think people start to be terrified. Oh my God, I've got to find out about licenses and what technology to use. But I think for me it's been one of the most powerful things that I've ever seen in terms of getting colleagues to think about their own practices and enhance what they're doing and learn about licenses. So I think it's amazing for staff development. I think every teacher in the world should develop an open educational resource. I just think it's great in that respect. And for universities, institutions. Well I think sometimes they see it differently and I think sometimes it's more of a reputational badge. I think the further you sort of go up in seniority open change is quite dramatically in people's perceptions of it or what they think of it. And then the business models behind it become more important and you kind of lose sight of the students. I think the further you go up the chain. So yeah, it's a really interesting area to be involved in. Great. Can I just ask you to move that to the other side because I'm picking it up a little bit. Sorry. Yeah. So you need to redo anything? No, it's okay. It's not too bad. How can, you know, do you think the open sort of culture should increase at universities and do you even think it should be a default? Yeah, it should open be a default. I mean I personally do think so. I think that's so challenging though. I think particularly in the UK at the moment where we're developing more of a competitive marketplace. So students are paying high volumes of fees. Universities are competing for students. So I don't think I can answer for the UK but I don't think that it will ever be default but I think there's just not really the desire at that senior level to really collaborate and share and it's mind-blowing to come and hear about what they've done in Vancouver and British Columbia in terms of getting institutions to collaborate. I just don't think that would happen in the UK but I think certainly within universities there are pockets of activity where it does become default but I don't think we're going to see some of the national sweeping changes that we see in other parts of the world just yet but I think it would be lovely to aspire towards that. Cool. And how do you maybe think that we can engage our faculty, upper administration, government, students, people to embrace students? Do you want to see us at the door? Stop and let's tell them to be quiet. How are you? I already know that kind of burning question. I really like your tweet yesterday about faculty that we tend to obsess about learning analytics or analyze rather than actually the quality of the tools. So maybe I thought it might be a good idea to maybe talk a bit about that. Oh, okay. I mean if you think something you guys have done. No, it's fine. Do you want to answer that or do you want to go back to the next question? You've got one more question, have you? Yeah, the one I was just asking. So how can we engage more faculty or students? Students are getting on board but the upper administration, governments to embrace more open education practices. That's just the million dollar question, isn't it? I don't think I have struggled for 10 years with that one. I think it's actually one of the presentations yesterday might been Paul Stacey talking about business models of open education. Actually it's really important to know who the stakeholders are. And I think it was Nicole as well. So to really think, okay, who are the people I'm going to talk to? And what's their perspective? So you just got to find a hook for people, haven't you? And to create an argument for your different stakeholders that it's going to win them over. And I personally find that really difficult because I just let my enthusiasm come out and suddenly I'm not being very persuasive or coherent. So I find that really hard. I think the confidence to be good actually is maybe think about how can I create some arguments for myself to persuade people at different levels and maybe you're not going to. Maybe you're just not going to be able to be that influential within your organisation but maybe you start by sort of creating your virtual networks and finding like-minded people in your country and draw them together, which is certainly what we do in the UK through our various open education communities. But yes, ever-ending challenges, isn't it? And just when you think you've convinced one person, they leave the university, that's a quite a common problem people moving on and career progression. So your argument to lose traction and you have to start again. But yes, it's being persistent and keeping going with what you believe, I think. It's the way forward. That works even better. That's your question again.  I mean, with us at UBC, this obsession about big data and what am I throwing into that? I don't think there's about the quality of the tools or the kind of actual ecosystems that we're running. Yeah. So I just thought, I loved your tweet yesterday. So maybe you can comment on that. No, I think... Is it a similar pattern in the UK or generally? Yeah. I think just saying the UK's gone very sort of almost market-driven and there's quite a competitive climate between universities and everything's league tables and metrics and what can we measure and it kind of distorts what you're trying to achieve and you know, you're strategising to deliver the metrics that are all nice and shiny and positive but actually losing sight of actually learning and teaching and working with students. So I think... And it's a real danger and attention, which is an overused word, isn't it? But I would also say sometimes that's quite a battle. It's a battle crowd between sort of staff and faculty and your senior executive. You know, you might just have completely different approaches and aspirations.


Welcome back to my channel. This is part two in my a bread-winning housewife series. My voice is gone I'm sorry a lot of this is gonna be voiceover because here we are This is gonna be the bread-winning housewife video for the holiday season. We're doing a little bit of a gift guide We're doing how I wrap presents home decor house tour drink recipes appetizers browse trip The mecca of what it means to be a bread-winning housewife in the winter time or what an apology So hope you guys enjoy it. We actually recently released bread-winning housewife merch, which I'll have that linked below Sorry about my voice comment below if you put your tree up before after Thanksgiving Subscribe you guys haven't already follow me in Instagram all that stuff. Love you guys so much and let's get started with the video Surprise surprise. We are at Sprouts, which is honestly my favorite place in the entire world at this point By the way my outfit. I know there's probably gonna be questions because I too am obsessed with this vest The vest is H&M and then at the sweatpants and at the top are both Eritzia shoes our old Yeezies Yeah, that's the outfit. Anyways, they're important to start at Sprouts You know go into the farm fresh aisle act like you're healthy or spend most of the time in or your time in the cheese section Which is honestly what I do anyway It's how to pick up some stuff to make some appetizers and then to make some cute little festive drinks Which we will get into and then also I had to pick up my favorite chocolates Would you guys have probably seen recently on my Instagram story? But we will be talking about those in about two seconds. I talked about walls in a vlog with Tom We are obsessed with these basically. It's really high quality organic chocolate. No soy no dairy No cane sugar to drag you down. Everything to make is organic paleo and vegan. They're also keto You don't have to be keto.  I like that. He's on that. They're really good. Also. These are the best They're also now available at Sprouts Farmers Market, which is literally my favorite place in the entire world as we know Anyways, these are great for the holiday season and whether you're entertaining or you just want them at home And they are so good. I'll link them below but also go to Sprouts pick them up send me a photo of you It's proud with evolved chocolate. This is very Me, you know, so thank you to evolve for sponsoring this portion of the video. They have keto cups, hazelnut Which is my favorite. They also have the coconut butter so good Dom's favorite is the white chocolate and then they have these keto brownie batters They're amazing. Again, really good for the holiday season. I'll have them linked below. Also again, check them out at Sprouts Yes, it is the best day At this point anthropology quite literally created Christmas I go here when I'm having an off day and it just fixes everything honestly I won't say it's cheaper than therapy, but it is a good alternative. Okay. Let's be honest It's beautiful. Look at that glassware. I love that It's that doesn't scream Kenzie.  There is something different. Okay, so here I am shopping I get some stuff for my home. I get great gift ideas. I love this scarf They just have really cute like home decor in general and little like cute trinkets Ornaments glassware. I mean the kitchen stuff really gets me It's also really really a great place to go if you are getting a gift for a hostess as you get older These things matter. Here's some aprons. Here's some more kitchen stuff But I always like to have a little gift on hand for my friends who are hosting or friends parents or whatever it is So here I am getting of course, you know, it's a lot of candles for me Not for the host, but also picking up some stuff. So like here are good options. I love this little candle set I love this little sleep mask. The slippers are really cute. I actually just got this brown ones They have great cheeseboards good little shop glasses Ornaments honestly grabbing a cute little personalized ornament is actually cute if it's earlier in the year And then I also had to pick up, you know some wrapping paper. That was very important Scrabble these are really really great gifts just in general you ever ever her need gift ideas I have a whole gift guide, which will be it down below. It's always linked in the description box I always have it on like my take-talk like to know everything. But anyways, here I am checking out spending, you know Way more money than I would have if I would have just booked a therapy appointment But honestly, it's fine. You have to just you know, go after what what makes your heart warm. What makes your You happy your dream storm.  I think All right guys, barista. Kenzie is here. Here. We have a little hot apple cider drink You're gonna start with liquid IV which I love and I know so many of you guys had it So I wanted to incorporate it into a drink. I saw that's on tiktok adding in some apple cider Also, this mug is anthropology last year. So I'm telling you guys I've been anthropology like through and through a little bit of cinnamon syrup and then there you go Super cute add a little apple into it, you know makes you feel really put together Then we have this little cute caramel caramel apple martini As you guys can see again, I get all of my drink recipes. I'm like tiktok pinterest all that stuff But it really just makes you feel so put together when you're making a drink Also, it's really important to be able to you know bartend a little bit as a host The first one obviously was a mocktail the second one at alcohol So it just like whatever whatever float you broke, you know moving on to my cute little appetizer Could have been cuter. Okay. We have cranberry brie dip this tasted really good. I didn't have the dish I don't know where my dish went that I would normally bake the brie in so it kind of got all over the place But it's really easy you just melt the brie for a little bit And then I also decided to go with bread go the extra go the extra mile Do the bread don't do the chips it honestly makes a huge difference So once it's been melting for a little bit, you're going to kind of take the top layer off I decided to make this a little one-band thing. It wasn't really supposed to but that's what I do Cranberry dip put that back in there wouldn't take it out of the oven I don't some honey some little like rosemary, you know, put it on a cute little plate make it look good And there you go. This is one of the best appetizers ever. I pretty much ate this entire thing myself So no regrets This is wrapping is a very obviously important part of the holiday season I typically have two different wrapping papers this year. I'm gonna do three I got this your paper source a few weeks ago, and I'll probably do like a plaid I don't have that yet. I also got this which I wouldn't do two patterns typically But I do like the color scheme important because your wrapping paper actually kind of doubles its decor I wrap my gifts immediately put them under the tree And it's also very important to have gifts ready for the host or hostess I'm my first holiday party next week So I got the hostess a little cute gift first thing I got are these anthropology slippers Such a good gift and then this you can't see but it's like this little pink ornament. That's a good hot glue gun She's very crafty.  I just brought this out This is a really cute little hostess of the most this gift set. Um, it's candle inside that are currently burning But if you're running late, like it's already wrapped basically and it's cute when you just put something on it Like you really wouldn't have to wrap this. It's cute good on the go. And then I also got this sticker booklet I always get these for the holiday season and then you just have everything ready to go You can keep them cheap like on Amazon, but I like this one. So I'm using a box This and it normally would add a little tissue Not today my pack if your parents are forced or even if you're married you have two sides of the family I always use one wrapping paper for one Christmas and then the other so like one for my mom's on for my dad's and then I house up for my friends Comment below what my third wrapping paper should be I think block or something You know like I said you can't be good at everything and um Unfortunately wrapping presents is probably the thing that I'm the worst at which is no you Would think it would be one of those things that I would somehow excel in as you know this preventing house life Unfortunately, that's not the case. I actually need to like take a class on this because it really bothers me. I'm very insecure about it I'm so bad at it I don't do just one wrapping day because it really over wants a mixing miserable I just will have like a wrapping station bring it out and then I do it throughout the season and have all my gifts on the Right tree, and then it's very happy and cute. So it's the first one of the season. It's also November We're time guys house is truly a little winter wonderland I need more space already have already got this way. So the first thing you'll notice is this garland I got this last year. I believe from Target. I believe these are from Target as well I know it's linked on my like to know it so crazy that these are here They actually genuinely word is here, but you guys want revenue house life merch I'll have a link below with cute sets with cute hats. We have cute totes truly the perfect Christmas gift Over here, this is like my living space area. It's really like discombobulated right now Like we're still in the middle of figuring this out This area is actually like two feet smaller that it needs to be in order for me to have all the furniture that I want Like it doesn't actually fit, but it's just like you too small with the Christmas decor Well, I recently got a love sack because I as we discussed I decided that I'm now 17 and no longer 16 I also got this is not Christmas decor, but I got this like a vetless fireplace from Target This candle is anthro this I have no idea. This is CB2 this I want to say a CB2 Target, I think my mom's friend got that for me, which is so cute I brought back out my CB2 chessboard candles I put out a new like I got from anthropology and I didn't think it was gonna be this pink ish But honestly, it's fine. I like love blankets. You can never go wrong moving over here I have holiday candles obviously throughout the entire house this flower. This is it's really on its last leg So over here as my little centerpiece. I just have this cute little tray with some Christmas trees This just always stays. It's my art from McKinsey Jones. I'll have an Instagram link below You can go to howl. I'm going to Texas. So we have my beautiful Christmas tree My mom is actually an interior designer and she decorates Christmas trees as well She didn't decorate this one. She just helped me pick it out So it normally looks a little bit out of this I have a bunch of my ornaments like I'm like John likes to know it So we'll like go through and have them all linked but have these cute little air throw ones The tree itself is from Hobby Lobby. A lot of the ornaments are from CB2 West Elm This one is a dolly parton ornament the ultimate red winning housewife Um, and that's her favorite kind, which is a little like local shop in Dallas I just cute like green discobal ones. I also like massive ones if you like this one right here And then the basic ornaments I think are just for target But I'm a lot of cute like this little like frog from me a throw and then as time goes on I have more Christmas gifts under the tree. I only have one right now But that is it for down here. I'm gonna have for my little Christmas decor I love Christmas. This tree has been up since November 2nd So hope you guys enjoyed today's video Thank you to evolved for sponsoring and be sure to check them out and go to your local sprouts Which is my favorite place in the entire world. Love you guys so much and I will talk to you soon. Bye This time last year we were both so miserable and depressed. We didn't leave my house in literally until February yeah, January the only time we left the house was to go through the Starbucks drive-thru Yeah, and trade. No, we wouldn't even go to the grocery store. We inspected everything. Yeah. No, we didn't We were so sad and we had I mean we did have friends who were just ignoring them And I mean now we have way better friends way better friends