Earlier in the Money Matters Mailbag Monday Podcast. I would say around 20-30 minutes in. If you need exact, I can clip it for you, but I am listening live now, so it would be a minute…

https://www.youtube.com/live/-k2tja8OUxU nostr:note1grjcd5yjts6jp26jczfss7gd60enhju9c8xnv9wk6n4s5edxlw7qaperkk