Welcome to the Retirement Planning Simplified Podcast. Join Joseph Curry, CFP Professional and retirement planning specialist, to learn how to simplify your retirement planning. If you're approaching retirement or have already entered your early retirement years, this podcast is designed to help you answer your big retirement questions like... Can I afford to retire? How do I create a paycheck in retirement? How do I pay less tax in retirement? And even big questions about life after work. T ...
…
continue reading
Farm. Food. Facts. And everything in between. A podcast featuring the leading minds in the future of sustainable food systems. Brought to you by the US Farmers and Ranchers In Action.
…
continue reading
A podcast about high level climbing. How to go from good to great.
…
continue reading
Shout out high achieving, smart women, spinning so many plates, you should be in the circus. We made this podcast for you. A space for inspiration to support you to be a feminine force for good in a world that has largely been designed by men, for men. Join us as we dive deep into: 🔴 Navigating relationship: Parents, partners, friends and colleagues. 🔴 Changing behavior patterns: Working late, getting angry and then feeling the 'guilt', harbouring feelings of 'being unappreciated' and invisi ...
…
continue reading
1
EP #82: Top 5 Non-Money Mistakes in Retirement
14:04
14:04
Play later
Play later
Lists
Like
Liked
14:04
We explore the top five non-money mistakes in retirement planning. We look at how retirement isn’t just about financial readiness but also about finding fulfillment and direction in life post-career. We look at the significance of social engagement, staying physically active, maintaining a growth mindset, and transitioning from a savings to a spend…
…
continue reading
1
EP40 Female Business Spotlight: A Doula with a Difference.....
39:39
39:39
Play later
Play later
Lists
Like
Liked
39:39
If you are pregnant or know someone who is – STOP. Grab a cup of tea and a pair of headphones. This week Pia invites the very special Ceara McManus (aka her postpartum doula) onto the show to talk about those first 40 days postpartum. Forget your bunches of flowers and boxes of chocolates – we dive deep into what new mothers ACTUALLY need after bir…
…
continue reading
1
#91 Jimmy Webb — Adventure and Development, How Climbers Go From Good To Great, Southern Style, World’s Greatest Flasher, The New Generation, and The Hardest Moves In The World
2:23:09
2:23:09
Play later
Play later
Lists
Like
Liked
2:23:09
That's right ladies and gentlemen -- Jimmy Webb! Jimmy is one of the best climbers our sport has ever scene, and one of the humblest and kindest climbers as well. Please enjoy this wide ranging but always fantastic chat with Jimmy Webb. Support the show Support us on Patreon: HERE Visit our podcast page: HERE Sign-up with one of our coaches: HERE F…
…
continue reading
1
BONUS EPSIODE Extra: Kevin Burkum: Regenerative agriculture discussion
1:30
1:30
Play later
Play later
Lists
Like
Liked
1:30
The leader of U.S. Farmers and Ranchers in Action, Kevin Burkum, shares what topic he is keeping an eye on that will have an impact on agriculture. Stay connected with USFRA at usfarmersandranchers.org. Learn more about U.S. Farmers and Ranchers in Action: usfarmersandranchers.org Connect with Kevin on LinkedIn: linkedin.com/in/kevinburkum Become a…
…
continue reading
1
EP #81: 5 Common Money Mistakes in Retirement
22:18
22:18
Play later
Play later
Lists
Like
Liked
22:18
In this podcast episode, hosts Joe Curry and Lindsay Wilson discuss common mistakes in retirement planning, cautioning against relying solely on advice from friends and family who may lack expertise in financial matters. They emphasize the importance of seeking professional guidance tailored to one's unique situation, highlighting scenarios such as…
…
continue reading
Ready to consider a pretty radical concept? In this catch up episode, we dive deep into the idea that humans are all connected – not just physically but also at an energetic level. Can we control the reaction of others by first visualising the outcome we want in our minds? Pia and Kaya discuss their recent experiences testing this theory – Pia with…
…
continue reading
1
#90 T&J — “Strength Forgets”, The Process SA, Team Trials Trouble, Binding Your Feet, Moonboard Rant, and Get Injured To Get Better Technique?!
1:40:23
1:40:23
Play later
Play later
Lists
Like
Liked
1:40:23
The topics are in the title! A big focus on what Tim is “re-learning” as he comes back from his serious knee injury. SHOW NOTES: Team Trials Instagram Post by Ryan Paul Robinson on Hueco Rock Rodeo Nathaniel Flashing Scarface Support the show Support us on Patreon: HERE Visit our podcast page: HERE Sign-up with one of our coaches: HERE Follow us on…
…
continue reading
1
EP #80: Navigating the Behavior Gap: Why the Average Investor Underperforms the Market
28:26
28:26
Play later
Play later
Lists
Like
Liked
28:26
In this podcast, Dr. Daniel Crosby joins Joseph to discuss the impact of behavioral biases on retirement planning. They delve into overconfidence as a key bias, emphasizing its role in risk-taking behavior and decision-making. Dr. Crosby advises automating financial processes and seeking professional guidance to bridge the behavior gap. The convers…
…
continue reading
1
Ep38 Why You shouldn’t believe everything you…...Think
23:53
23:53
Play later
Play later
Lists
Like
Liked
23:53
Do you ever find yourself being your own worst critic? Welcome friends, join us at the self-sabotage table! Get ready to unravel the mystery of why we repeatedly hold ourselves back as Kaya, our resident mental fitness expert, uncovers the sneaky saboteurs lurking within us all. Through open and vulnerable conversation, we lay bare our own struggle…
…
continue reading
1
#89 Martin Keller — 8C+ at 45+, How To Gain Limit Strength, How To Project, Naysayers, Avoiding Injury, and The Big Difference Between Indoors and Outdoors
2:30:21
2:30:21
Play later
Play later
Lists
Like
Liked
2:30:21
Martin Keller is one of the few people to boulder 8C+ / V16... But what's really incredible is he just did it right before he turned 46 years old! Martin is an incredible climber, coach, and teacher. In this episode he shares: How to gain limit strength, rather than just getting tired. The best way to project climbs (he's famous for his decade plus…
…
continue reading
1
EP #79: Subscribed and Satisfied: Optimizing Your Spending Without Sacrifice
21:06
21:06
Play later
Play later
Lists
Like
Liked
21:06
In this engaging podcast discussion, the speaker delves into the widespread shift towards subscription models, exploring how businesses and consumers alike benefit from this trend. The conversation underscores the convenience for consumers and improved cash flow management for companies, emphasizing the seamless experience subscriptions offer. Howe…
…
continue reading
Time – that elusive and precious commodity that we all need more of. But is it possible to multiply time? The short answer is…Yes. As long as you have a solid time management system. Sound sexy? Probably not – but the more structure you have in your life, the more freedom you have to enjoy the fun stuff! Join us as we explore how we are managing ti…
…
continue reading
1
#88 T&J — Busting Plateau’s, How To Reclaim A Peak, Get Your Own Felipe [Hoo], ROTSW Still V17, and Sending The MoonBoard Proj
1:44:50
1:44:50
Play later
Play later
Lists
Like
Liked
1:44:50
Tim’s back at it and with a big smile. Hear how he’s been returning to his peak strength after injury. Tim also talks about how he coaches clients through plateaus. Big shout outs to the crews that make life special for Tim and Josh and what they did to help them be their best. Bosi repeats ROTSW, and just about every other hard thing in the world.…
…
continue reading
1
Fireside Financial EP #11: Turning Family Money into Financial Freedom: Smart Planning for Inheritances
9:17
9:17
Play later
Play later
Lists
Like
Liked
9:17
Hosts Joseph and Regan examine how to handle inheritances. With the landscape of wealth transfer evolving rapidly, receiving an inheritance is not just a stroke of luck but a strategic element in financial planning. They caution against hasty decisions and stress the importance of taking the time to assess goals and intentions before embarking on a…
…
continue reading
1
EP #78: Inheritance: Why Fair and Equal Aren't the Same
13:40
13:40
Play later
Play later
Lists
Like
Liked
13:40
What does it mean to be fair yet unequal in estate planning? Explore how differing financial needs, family contributions, and the complexities of sibling relationships impact retirement planning. Discover actionable insights, from using life insurance to equalize asset distribution to fostering open communication to minimize family disputes. Join J…
…
continue reading
1
Opportunities and challenges for agriculture with USFRA CEO
13:39
13:39
Play later
Play later
Lists
Like
Liked
13:39
Kevin Burkum, CEO of U.S. Farmers and Ranchers in Action, shares how USFRA is making changes to help support agriculture in meeting its challenges and leveraging opportunities, both domestically and internationally. Kevin also shares more about his background and professional experiences. Learn more about U.S. Farmers and Ranchers in Action: usfarm…
…
continue reading
1
#87 Matty Hong — Big Falls & Big Fish [9a 50m DWS], Photography 101, What Makes Sharma Special and Lessons From Biographie [World’s First 9a+]
1:52:31
1:52:31
Play later
Play later
Lists
Like
Liked
1:52:31
Matty Hong takes us to Mallorca where he snagged the second ascent of Big Fish. A 9a deep water solo that culminates in a dyno at ~20m / 60ft! Matty was out there filming for the latest Reel Rock climbing with the legend Chris Sharma. Since he is often the guy behind the camera we asked him to share some tips for any aspiring climbing film makers a…
…
continue reading
1
National FFA Organization focused on future skills, careers
8:11
8:11
Play later
Play later
Lists
Like
Liked
8:11
Expert Celya Glowacki, team lead for advocacy, literacy and ag-based experiences at National FFA, shares how they focus on the evolving careers in agriculture. Celya shares how they receive feedback from corporate partners about what skills they are looking for in the next generation of agriculturists and the new National FFA NexGen Conferences. Le…
…
continue reading
1
EP #77: Salary vs Dividends: Optimizing Business Owner Payouts with Braden Warwick
25:49
25:49
Play later
Play later
Lists
Like
Liked
25:49
Braden Warwick (PhD, PWL Capital) and Joe look at business owner compensation. They examine the often-debated choice between salaries and dividends. Braden, a financial planning product architect at PWL, shares insights from a comprehensive study he conducted on optimal business owner compensation. They explore variables like provincial residency, …
…
continue reading
1
Ep36 Shedding 'Shoulds' For A World of 'Coulds'
28:45
28:45
Play later
Play later
Lists
Like
Liked
28:45
Hop on as Kaya and Pia whisk you away on a lively journey through their 2024 so far. Pia reveals her life as a hyperachiever, sharing the highs and lows of balancing relationships and business while learning to embrace the joy of slow moments and the wonders of motherhood. They delve into the power of words, showing how changing our language can tr…
…
continue reading
1
#86 T&J — PED’s, Breaking Down A Crux, Climbing Like A 6 Year-Old Girl, Injury Prevention, and BTS On A Moonboard Session
1:46:25
1:46:25
Play later
Play later
Lists
Like
Liked
1:46:25
Drugs, cruxes, moonboarding, injuries, making climbs your b*tch... This one's got it all! Tune in for tons of pro-tips that will help you climb better today, and set yourself up for the long term success that we all are striving for. SHOW NOTES: 2017 V8 / 7B+ on Moonboard 2016 Set Podcast #33 with Andy Tollefson Support the show Support us on Patre…
…
continue reading
1
EP #76: Calculating Your Retirement Number: Factoring in Your Pension
15:19
15:19
Play later
Play later
Lists
Like
Liked
15:19
This week we answer a listener question about defined benefit pension plans: I know not a lot of people have defined benefit plans, but everyone keeps talking about needing $1M-$2M at retirement. How would a defined benefit pension get valued, and does the amount needed at retirement include government programs? We break down the components of reti…
…
continue reading
1
Ep35 Female Led Businesses: Re-thinking Motherhood Part 3
30:38
30:38
Play later
Play later
Lists
Like
Liked
30:38
Join Pia and Kaya as they unravel the lively world of women in leadership, and take a cheeky peek behind the curtains of businesses like Victoria's Secret and L'Oreal. Spoiler alert: they're run by men! 🤯 But they're not just about spilling the tea; they're here to share heartwarming and sometimes hilarious tales from their own journeys through hea…
…
continue reading
1
#85 Keenan Takahashi — Higher Harder Better, ANTIGRAV, The Best Lines In The World, Mentorship, Manifesting More, and The Mustache Turns 10
2:13:57
2:13:57
Play later
Play later
Lists
Like
Liked
2:13:57
The man, the myth, the Mustache — Keenan Takahashi! Keenan shares his unique approach to climbing. He seeks out the best lines in the world and then uses that as fuel to transform his body and mind so that he is able to climb them. Keenan also has created one of the coolest new brands in climbing, ANTIGRAV, that embodies his psyche and ethos for cl…
…
continue reading
1
EP #75: A Field Guide to Retirement for Millennials, Retirees and Beyond with Dan Solin
28:07
28:07
Play later
Play later
Lists
Like
Liked
28:07
New York Times Author Dan Solin joins Joe to discuss common misconceptions, essential factors for retirement planning, and the evolving retirement landscape. Dan emphasizes the impact of emotions on investment decisions and provides valuable advice on asset allocation and dealing with market volatility. Additionally, they touch on the challenges mi…
…
continue reading
1
Ep34 Energy 101: Re-thinking Motherhood Part 2
27:07
27:07
Play later
Play later
Lists
Like
Liked
27:07
Today we're zooming in on energy. Learn why prioritising your energy is not just a personal benefit but the greatest gift you can give your family. Discover how viewing oneself as a "walking battery" can revolutionise your daily approach to life. We delve into real-life experiences, uncovering the underestimated energetic demands of motherhood - a …
…
continue reading
1
#84 T&J — Hard Hard, New New, Sessioning With The BEST, USAC Controversy, and Switching To Moonboard 2024
2:02:44
2:02:44
Play later
Play later
Lists
Like
Liked
2:02:44
2024 is off the a bang with incredibly hard bouldering FA’s happening non-stop. Is this because USAC caused one of the strongest crews in the world to stop training for the Olympics and start crushing rock again? Hear more from Tim about what a session is like when multiple V16 climbers get together to try the hardest boulders in the world. Support…
…
continue reading
1
Fireside Financial EP #10: Estate Planning 101
12:21
12:21
Play later
Play later
Lists
Like
Liked
12:21
We know estate planning is daunting. But it’s essential to address it ahead of time, to ensure that all your wishes are laid out to eliminate potential conflict. We give you valuable tips on evaluating your current financial standing, considering future scenarios, and understanding the nuances of trusts and specific gifts. We also touch on the opti…
…
continue reading
1
EP #74: A Retirement Manifesto with Fritz Gilbert
33:04
33:04
Play later
Play later
Lists
Like
Liked
33:04
Fritz Gilbert, the award-winning author of the blog “The Retirement Manifesto” joins Joe to share his unconventional yet successful approach to retirement planning. He emphasizes the importance of not fixating on the financial aspects of retirement but embracing the non-financial elements, such as relationships and purpose, that impact a smooth tra…
…
continue reading
1
Ep33 The Curiosity Cure: Re-thinking Motherhood Part 1
35:20
35:20
Play later
Play later
Lists
Like
Liked
35:20
Pia is back on the pod, the team is back together. We are getting stuck right in. Join us for a raw and real conversation on the first-time and second-time motherhood experiences. Discover how awareness and control of your internal world can dramatically alter life's experiences, especially in the intense early days of motherhood. We unpack the con…
…
continue reading
1
#83 Sean Bailey — Devilution FA [~V16], Japan’s Gym Scene, The Future of Hard Sport Climbing, Spearheading USA’s Return to WC’s, Projecting in Bouldering vs Sport, and BTS of Making It As a Pro
1:51:12
1:51:12
Play later
Play later
Lists
Like
Liked
1:51:12
Sean Bailey came on Testpiece and shared his decades of experience from sending and competing at the absolute top of the sport. Sean truly is one of the best climbers in the world right now. Sean recently FA’d the low start to Evilution [“Devilution”] which was a long standing sought after project that clocks in around V16 and is now one of the har…
…
continue reading
1
EP #73: The Future of Retirement: David Blanchett on Inflation, Alternative Assets and Advice
30:24
30:24
Play later
Play later
Lists
Like
Liked
30:24
David Blanchett, a renowned financial expert, delves into the multifaceted world of retirement. From annuities, longevity risk, and alternative assets, you will gain valuable insights that challenge conventional wisdom. From the nuances of portfolio construction to the impact of inflation on retirement savings, Blanchett provides actionable advice,…
…
continue reading
It’s the grand finale of our PLANNING series: Part 3: Executing Your Master Plan If you're here, you're ready to transform your growth mindset into tangible action. Part 3 moves beyond planning into precision execution and passion-driven action. Part 3 is where aspirations transform into reality. We shift from envisioning to implementing, from idea…
…
continue reading
1
#82 T&J — Negative Thoughts -> Words -> Actions, Type 2 Fun, Achieving Your Potential, Grades vs Belts, and ‘Make Climbing Dangerous Again’
1:55:58
1:55:58
Play later
Play later
Lists
Like
Liked
1:55:58
Tim shares a common problem that holds people back that he sees in even some of the top athletes he coaches. They jokingly call it "Vomit Mouth". Learn about what this is and how you can make sure to avoid it in your sessions. SHOW NOTES: Noah Wheeler on Sleepwalker Support the show Support us on Patreon: HERE Visit our podcast page: HERE Sign-up w…
…
continue reading
1
EP #72: Tax Planning Opportunities and Pitfalls for Business Owners in 2024 with Matt Holmes
32:23
32:23
Play later
Play later
Lists
Like
Liked
32:23
Joe welcomes Matt Holmes (CPA, Director at Holmes CPAs & Tax Advisors) to the show. They take a deep dive into the often-overlooked realm of succession planning. Joe and Matt share a poignant case where the absence of a contingency plan resulted in a less-than-optimal sale for the family due to the owner's passing. They provide invaluable insights …
…
continue reading
This isn't just planning; it's a strategic masterclass for your most successful year yet. Kaya pivots from vision to action. Forget wishful thinking – we're talking real, impactful strategies to shift you from dreaming into achieving. This episode delves into the nuts and bolts of making grand visions a tangible reality. Get ready to embrace the po…
…
continue reading
1
#81 Carlo Traversi — The Dark Side V16 FA, Using Wet Chalk, Pushing Not Pulling, The Grade Debate, and What He Learned From Yosemite Testpiece’s
2:15:44
2:15:44
Play later
Play later
Lists
Like
Liked
2:15:44
Carlo Traversi is back to tell us about his recent FA of The Dark Side V16 (suggested grade) in Yosemite. Josh thinks this FA will go down in the history books as THE testpiece of our generation in Yosemite bouldering. Tune in and see what you think. Carlo explains the incredible tactics he had to employ to get this FA done. It was absolutely mindb…
…
continue reading
1
EP #71: Business Exit Mastery: Avoid Pitfalls & Maximize Value with David C Barnett - Part 2
25:27
25:27
Play later
Play later
Lists
Like
Liked
25:27
Joe welcomes back business expert David C Barnett to delve into the intricate process of selling a business for retirement. This insightful episode provides valuable insights for business owners contemplating a sale. Joe and David emphasize the necessity of strategic planning, documentation, and the cultivation of a marketable business before embar…
…
continue reading
1
Ep30 Your Best Year Starts Here: Planning Part 1
18:38
18:38
Play later
Play later
Lists
Like
Liked
18:38
Today, we dive into the essence of planning — not just any planning, but planning for your best year ever! In this heartfelt episode, Kaya shares the intimate and transformative experiences of the past year. From the joy of welcoming new life to the profound lessons learned through personal loss. Embark on Part 1 of a three-part series on PLANNING,…
…
continue reading
1
#80: T&J — Always Be Hungry, Good Sessions Only, Stop Lying, You Suck, Fueled by Failure, and Tim Joins A Normie Gym
1:39:48
1:39:48
Play later
Play later
Lists
Like
Liked
1:39:48
Happy New Year, my dude. Tim and Josh get meta about how to have the best 2024 possible by asking the question — why can’t all sessions be good ones? SHOW NOTES: Mastery by Robert Greene Atomic Habits by James Clear Support the show Support us on Patreon: HERE Visit our podcast page: HERE Sign-up with one of our coaches: HERE Follow us on Instagram…
…
continue reading
1
EP #70: The Egg Story: Make Sure You’re Taking Action
11:41
11:41
Play later
Play later
Lists
Like
Liked
11:41
Welcome to "Your Retirement Planning Simplified," where hosts Joseph Curry and Lindsay Wilson demystify the complexities of retirement with their down-to-earth approach. In this latest episode, the dynamic duo kicks off 2024 with enthusiasm, celebrating the podcast's growth over the past year and reflecting on their mission to make retirement plann…
…
continue reading
1
Ep29 Reality TV Wisdom: Lessons from Beverly Hills
21:54
21:54
Play later
Play later
Lists
Like
Liked
21:54
Kickstart 2024 and join Kaya as she explores shedding the 'know-it-all' attitude and unlocking the art of influence through attentive ears. This episode isn't just about ringing in the new year; it's about transforming how we interact with the world. From indulging in reality TV (hello, luxury and glossy people of Beverly Hills!) to heart-to-heart …
…
continue reading
1
#79: West Coast Pimps — Jeremy Meigs and Joel Ruscher, Sharma’s Mentor, The Origin’s of Try Hard, Early Days in Hueco and Bishop, and Lessons From Decades of High Level Bouldering
2:08:28
2:08:28
Play later
Play later
Lists
Like
Liked
2:08:28
Jeremy Meigs and Joel Ruscher are West Coast bouldering OG’s. They started climbing 3 decades ago and were part of the birth of modern HARD bouldering. Tune in to hear about the early days of bouldering and how it set the tone for what’s going on today. There’s tons of can’t miss stories about young Chris Sharma and what Hueco, Bishop, and Font wer…
…
continue reading
1
Fireside Financial EP #9 Protect Your Legacy: Estate Planning Essentials for Families
21:24
21:24
Play later
Play later
Lists
Like
Liked
21:24
Joe and Regan examine estate planning essentials. They emphasize the significance of having an up-to-date will and stress the importance of clear communication within families. They also look at the often-overlooked aspect of digital assets, urging listeners to document and share information on online accounts to ensure easy management by their exe…
…
continue reading
1
EP #69: Navigating Retirement in 2023: Expert Insights
25:14
25:14
Play later
Play later
Lists
Like
Liked
25:14
It’s our 2023 wrap-up of Retirement Planning Simplified featuring the best episodes and insights from 2023! We highlight our most popular episodes, including discussions on safe withdrawal rates, effective investment strategies, achieving purposeful retirement, and the impact of taxes on single seniors. This episode is a great guide for both new an…
…
continue reading
1
#78: T&J — Baby Rattlesnakes, F*CK! Tim Got Injured, The Demonstration of Strength, Kids Vs Adults, and Boarding As A Minor
2:03:27
2:03:27
Play later
Play later
Lists
Like
Liked
2:03:27
F*CK! Tim busted his knee. Not the best way to spend the holidays... The main topic for this episode is what Kids do better than Adults, and what Adults do better than Kids. Tim and Josh also talk about the latest ascents of two previous Testpiece Guests -- Defying Gravity by Nathaniel Coleman, and Sleepwalker by Zach Galla. This leads into a discu…
…
continue reading
1
EP #68: Business Exit Mastery: Avoid Pitfalls & Maximize Value with David C Barnett - Part 1
22:55
22:55
Play later
Play later
Lists
Like
Liked
22:55
David Barnett joins Joe to share valuable insights on the common pitfalls business owners face when preparing to retire and sell their businesses. Discover the key areas to focus on for enhancing business value, from reducing customer concentration risks to navigating the challenges of owner dependence. Whether you're a business owner weighing reti…
…
continue reading
1
Ep28 Glam & Cheer with Kaya: A Holiday Style Soiree
29:11
29:11
Play later
Play later
Lists
Like
Liked
29:11
Get ready to infuse your holiday season with a dash of cheeky fun and a sprinkle of style! In this lively solo episode, Kaya is mixing the warmth of the holidays with the exhilarating world of color and fashion. From the heartwarming tales of Pia's journey into motherhood and business success to Kaya's adventures in the vibrant realm of color consu…
…
continue reading
Honor the Harvest Forum is an invitation-only event that gathers food and agriculture leaders to further our global sustainable food system. Former head of Harvard Business School’s Agribusiness Program and is known as a strategic pathfinder in the global agri-food industry, Mary Shelman, emceed the USFRA Honor the Harvest. Today, we gain her high-…
…
continue reading
1
#77: Zach Galla — Raw Power, The Truth Behind WC Comps, The Olympic Grind, Leaving a Legacy, and The Role of Boards
1:52:18
1:52:18
Play later
Play later
Lists
Like
Liked
1:52:18
Zach Galla has been ticking off some of the hardest boulders in America while simultaneously competing at the highest level. He’s always vying for the podium in any US competition and has spent time on the World Cup circuit as well. Zach goes deep on this podcast about what it’s really like to compete at these high level comps. What the setting is …
…
continue reading