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In this highly requested EXPERT episode of Future Rich, CFP Barbara Ginty is joined by Leslie H. Tayne, Esq., a seasoned financial attorney. Together, they debunk myths about bankruptcy and explore whether it can be a viable wealth-building strategy. Here are some key topics we cover: Different chapters of bankruptcy (7, 13, 11)Qualification criteria and means test for bankruptcyImpact of bankruptcy on credit score and wealth buildingDebt settlement vs bankruptcy: pros and consTax implications of debt forgiveness and settlementStrategies for managing credit card debt and spending habits Leslie has 20+ years of experience in the practice area of consumer and business financial debt-related services. She's highly accomplished in negotiation and settlements and has gone up against large national banks, credit unions, collection agencies, and multiple creditor legal representatives. Leslie leads Tayne Law Group, an award-winning commercial litigation and debt solutions law firm. She contributes as a financial expert across national media and — most importantly — has helped thousands of people become debt-free. Leslie's Website Follow Leslie on Instagram Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest! Help Barbara win and VOTE HERE! If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

In this episode of Future Rich, financial expert Barbara Ginty interviews returning guest Nancy! Listen to Nancy’s episode #166 from 2022 before this one if you haven't already! A lot has changed since 2022, Nancy has moved from Georgia to South Carolina, has increased her income, and now has two children with a third on the way!! Nancy is worried about how much cash savings she has, how expensive childcare is, and most of all, how to balance her savings with living her life to the fullest.  Barbara and Nancy discuss... Building an emergency fund with multiple income streamsManaging childcare costs and planning for future expensesRetirement savings growth and contribution strategiesImpact of life changes on financial goals and budgeting Saving for college and family vacations... and more! Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest! Help Barbara win and VOTE HERE! If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

Happy Friday Future Rich fam! In this episode, CFP Barbara Ginty interviews the lovely Megan! Megan is 38, lives in North Carolina, and works as an Office Manager. She got herself into a bit of a financial situation after moving in with her partner, has no retirement or emergency fund, and plans to move out in one year. Don't worry, Megan makes around $67K per year, just got a raise, and is dedicated to getting rid of her $21K of credit card debt. Listen to find out what Barbara's practical strategy is for Megan to reduce her credit card debt in just 90 days! Barbara is currently in 1st place to win TOP HOST, a competition with iHeartRadio and Ryan Seacrest. If she wins, she'll be able to lead her own podcast produced by iHeartRadio, take home $25,000, and be a guest on an episode of On Air with Ryan Seacrest! Help Barbara win and VOTE HERE! If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

Parents or expecting parents, this episode is for you! CFP Barbara Ginty covers the six essential financial steps for parents to take to make sure they're as financially prepared to be a parent as possible. She covers... The importance of emergency funds for parentsHow to determine the right amount of life insuranceDifferent types of accounts for emergency savingsHow to calculate life insurance needs based on income and goalsThe tax advantages of owning your own life insurance policy... and more! If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

In this week of Future Rich, host Barbara Ginty follows up with a previous guest, Katherine. Listen to her episodes 277 and 278 before you listen to today's episode to get up to speed! Katherine is an airline pilot with a significant income and complex financial situation. Katherine is a 50-year-old pilot making an income that varies between 375-450K a year. She lives with her partner, who has retired, has two children- one is 9, and the other is finishing up schooling/training to be a pilot too- and also provides for her mother-in-law. They discuss... Managing caregiving for her mother-in-lawNavigating healthcare costsBalancing her family's financial prioritiesBackdoor Roth retirement savingsManaging variable income while also prioritizing starting Katherine's emergency fund and having fun If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

Happy Friday Future Rich Fam! We hope you're all having a great start to fall! Today, we're sharing a popular THROWBACK episode #204 with our lovely guest Bernadette. We will have new episode next week! Bernadette just turned 37, lives in a house that she purchased in upstate New York, and works as a District Manager for a wine supplier. She has a great base salary of 100K per year with variable bonuses. She's a self-proclaimed boater at heart, and exclaims that BOAT stands for, "bust out another thousand". Barbara and Bernadette discuss... Upping Bernadette's emergency fundUsing her bonus to advance her savings goals How she can start planning out her expenses more to bump up her net worth as quickly as possible.... and so much more! If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

In this EXPERT episode, CFP Barbara Ginty is joined by Matthew Allen, the Co-Founder and CEO of Social Security Advisors, to answer all of your Social Security questions! Matthew is one of the leading Social Security experts in the country and is often quoted for his expertise in major publications such as The Wall Street Journal, Forbes Magazine, Time Magazine, USA Today, Financial Planning Magazine, and others. He is also a speaker for the Retirement Speakers Bureau and speaks frequently around the country on the topic of Social Security planning. We're so excited to share Matthew's expert insights on Social Security, including... Common mistakes in Social Security planningThe impact of Roth IRAs on Social Security taxationFamily benefits and unexpected rulesRetroactive benefits and withdrawal optionsRetiring abroad and Social Security payments Listen to this episode to discover how to navigate Social Security effectively and avoid costly errors! Find Matthew HERE. Learn more about IRMAA. If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

Is there a magic number for retirement? In this episode of Future Rich, CFP® Barbara Ginty sits down with our podcast producer, Potter, to break down the realities of retirement planning and why a 1 million dollar goal might not be enough for retirement. They discuss: Importance of knowing your exact retirement expensesThe impact of taxes on retirement savingsHow to estimate your withdrawal rateThe significance of debt-free retirementAdjusting investment strategies for the "distribution" phase of retirementPlanning for variable expenses like healthcare and home repairsThe role of Social Security and pensionsTiming your retirement for health insurance benefits If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

To retire early, or not retire early? In this episode of Future Rich, CFP® Barbara Ginty sits down with Simone to discuss her very different retirement options. Simone is 54 years old and lives in Chicago, is child-free, and has her own home separate from her partner. She works as an Executive Assistant and brings home $115K per year plus a 5% bonus. Simone's savings are impressive. She has around $775K saved across her different accounts and has no debt aside from her mortgage, which is very manageable. Her biggest expenses are dining out and traveling, which she prioritizes and saves for in a high-yield savings account. In this episode, Barb and Simone discuss: Simone's current financial situation and savingsThe impact of ESOP on retirement wealthStrategies for retiring early and managing health insuranceBalancing lifestyle expenses like travel and diningPlanning for income gaps before Social Security kicks inTiming and planning for early retirementSocial Security benefits and planningBalancing her current lifestyle with future security If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

In this replay episode of Future Rich, we're sharing a segment of the Babylist Family Money podcast with Lindsey Stanberry! In this episode, Future Rich host CFP Barbara Ginty breaks down how she's weighing Trump Accounts against 529s for her own daughter. We hope you enjoy this episode! Listen to the full episode here. If you'd like to learn more about Trump Accounts, we have another dedicated episode that you can listen to here. If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

She's 26, freshly married, living in the Midwest, and working as a barista to make ends meet — while simultaneously training to become a doctor. Meet Carla. She's a medical student pursuing family medicine and psychiatry, navigating one of the most financially demanding seasons of life: medical school, a brand new marriage, and a future that's full of potential but tight on cash right now. In this episode of Future Rich, CFP® Barbara Ginty sits down with Carla to untangle her financial picture and build a real plan, one that works on a barista's income, medical school grants, and a whole lot of determination. The good news? Carla's situation is more manageable than it might seem. She's already saving $200K in tuition through her program, has $16,500 in grants, and has a partner working and going to school simultaneously. Barb helps her see the full picture and what to do with it. In this episode, Barb and Carla discuss: How to manage $39K in student loans while still in schoolWhat saving and investing looks like on a $12K barista salary + medical school grantsWhy Carla's tuition-free program is a bigger financial win than she realizesRetirement planning strategies for future doctors, when to start and howHow Carla and her husband can build a financial foundation togetherFamily planning considerations during medical training: what to think about financially before having kids.The financial reality of pursuing family medicine and psychiatry and what income looks like on the other side. If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, Social Security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

In this week's episode of Future Rich, CFP Barbara Ginty interviews the wonderful Alice! Alice is 32, lives in Utah with her husband, works as a CPA, and has spent the past decade of her life aggressively saving (she's the highest Roth account holder that we've ever had on the pod!) If you're curious about how Alice and her husband saved over $500K in their combined Roth Accounts throughout her 20s, this episode is packed with the kind of specific, practical advice you actually need. 🎙️ If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

In this follow-up birth story episode, Barbara shares more details about her intense postpartum health journey, highlighting the importance of listening to your body, advocating for yourself, and the impact of financial preparedness on healthcare choices. *TRIGGER WARNING!* This episode discusses Barbara's traumatic birth experience. If you’re currently pregnant or are sensitive to medical and/or birth stories, we do not recommend this episode for you!  This episode highlights: Postpartum complications and infectionsImportance of advocating for your healthImpact of healthcare costs and insuranceRole of financial planning in medical emergenciesLessons learned from a severe postpartum health crisis If you'd like to be a guest on the podcast, we have 8 guest spots available for the year! 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

In this week's episode of #FutureRich, CFP Barbara Ginty is joined by a previous guest from episodes 202 and 203, Caroline and boy, has a lot changed since her last episodes in 2023! Caroline (39) and her husband (45) both live in Colorado and work full-time. They have a 2-and-a-half-year old and a six-year-old. Caroline recently made a big decision to switch jobs to decrease her stress and improve her quality of life, and has taken a massive (30%!) salary cut. In this episode, they discuss... How career changes impact household financesBudgeting for a new house and renovationsRetirement savings strategies and maxing out 401ksManaging household expenses with reduced incomeLeveraging home equity and brokerage accountsTesting budgets before big financial commitments If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands

CFP Barbara Ginty is joined by a previous guest from episode 63. 64 and 118 of the podcast, Sabine (whose previous name is Eglantine). Sabine has successfully had $150K of student loans forgiven through the public service loan forgiveness program. She lives in a two-family house and rents out the first floor, covering her mortgage, and still lives in Massachusetts with her family. Her monthly income varies from 15K-30K a year as an adjunct professor and her husband makes around 100K working in coding. In this episode, they discuss... Sabine's student loan forgiveness experienceTaking a career pivot during economic uncertaintyHousehold income and expenses management Estate planning and inheritance complexitiesThe importance of life insurance and emergency fundsCollege savings strategies and flexibilityAdapting financial plans over time with market changes Discover insights on inheritance, life insurance, college savings, and adapting financial plans over time. Click here go to SSA.gov - Social Security Benefits Estimator If you'd like to be a guest on the podcast, we are looking specifically for women who want to discuss their personal finances and have questions about retirement planning, social security, and more. 💌 DM us on Instagram (@futurerichpodcast) or apply here. Let’s make it happen! ✨ #FutureRichPodcast **All of our newsletters have moved to Substack, so subscribe if you want to keep in the loop with all things Future Rich! Subscriptions are FREE! Subscribe to our YouTube Follow us on TikTok Follow us on Instagram Visit the Future Rich Podcast website for Financial Freebies and Classes Leaving reviews on the podcast is the best way to boost us on the podcast platforms and help more listeners get #FutureRich Download a free guide today to help plan your financial future! The content in this podcast is for informational purposes only. All investment strategies and investments involve risk of loss. Nothing contained in this podcast should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Advertising Inquiries: https://redcircle.com/brands