Do you know what you really want?

Dominic Thomas
July 2025  •  2 min read

Do you know what you really want?

There are lots of difficult big questions in life, one of them seems relatively simple, but most of us find it hard to put into words precisely what we feel. What is it that you desire? What is it that you really want?

It’s tempting to list a number of things or experiences, perhaps a sense of wellbeing or contentment. Whatever you wish for, it is likely that it will alter over time. When you don’t have something you tend to want it, when you possess it, there’s something else. It’s almost as if we are programmed to remain restlessly preoccupied with something other than what we have. Some of us are better at coming to terms with this than others; some simply deny it happens.

Think back to when you were finishing school, as many are at the moment. You were probably looking forward to finally leaving the confines of your classroom, hoping for a good long summer holiday and the right grades to get you to your next step. If you went to University, graduating and finding a good job and somewhere to live, then saving for your first home, then wanting a mortgage and then not wanting a mortgage, worrying about your career steps, your loved ones and your retirement, then if you will maintain your health and will you need help.

There is a sense of never really arriving.

We may experience certain critical moments in life when our values are brought more into focus, stress tends to be the catalyst for this. Love, death, sickness, betrayal, loss or simply change. These are moments where our values become tested and often the noise of life falls away and exposes what is actually important to us.

At Solomon’s, our planning attempts to evoke responses from you about the life you want to live. There are no judgements, no wrong answers, but of course it isn’t always easy to verbalise what you want when asked. Most of us don’t have a bolt of lightning moment when we know, it tends to evolve over time, sometimes many years. I think that for some people, a sense of purpose is really important, or connection to their community, however that is defined. Whatever it is I imagine and hope that it produces a sense of joy and deep calmness, a sense of your unique character being in a state of nirvana.

When life feels precarious or endangered, a sense of anxiety naturally rises, so whilst a financial plan cannot control the external, we can at least provide a roadmap for your route to contentment. One of the most common notions behind financial planning is that it brings about a sense of ‘peace of mind’. It’s a phrase that I’ve heard regularly over the years, but it’s never really sat well on my tongue. Any and every good financial plan has an acknowledgement of uncertainty – we don’t know what the future holds. We can align our finances and actions with our values and prepare for the future, getting organised, disciplined, making better choices and decisions.

For me, the thing I want, other than deep human connections, is a sense of limited freedom – I will always have limitations, but within those it is the freedom to choose and the sense of empowerment that it brings.

How about you?

Do you know what you really want?2025-07-18T10:47:11+01:00

The Salt Path is even more salty

Dominic Thomas
July 2025  •  2 min read

The Salt Path is even more salty…

Well, if you’ve read the book, seen the film or read my blog you will know this story of Moth and Raynor Winn who lost everything and found what was important. However, it seems that this is yet another story that is largely fabricated to self-serve. We are used to our own gutless politicians, and the plain lies and warmongering of the likes of Trump, Putin, Netanyahu and the deranged Farage, but once again fantasy and fiction collide to make falsehood.

Investigative journalist Cloe Hadjimatheou was intrigued enough about the elements of the story that didn’t add up. I suggested that I had some concerns as the complete loss of a home due to a poor investment is somewhat unusual and extreme.  Hadjimatheou has done a thorough examination of the story and now it seems that everyone involved is backed into a corner with nowhere to hide.

The reality is rather different from both film and book, even whilst allowing for artistic licence and dramatisation, there are important aspects of the story that make the original tellers subject to the charge of complete liars.

According to Hadjimatheou’s thorough research, it would seem that Raynor Winn is herself a fictional character as is her husband Moth, in fact they are Sally and Tim Walker. Sally embezzled money from her employer to the tune of around £64,000 but it seems probably rather more. A family relative provided a loan of £100,000 to cover the legal fees and repayment to her employer Martin Walker an estate agent and surveyor in Pwllheli. The family relative who had provided the loan lost his business and creditors, together with the permission of the Courts, subsequently wanted repayment of the £100,000 which with interest had become £150,000. Failing to meet the repayment with a year to do so, resulted in repossession.

However, there are further plot twists with the couple buying property in France and publishing a book with a prize of their home (which it was suggested was mortgage free). So to say there are some serious questions about the credibility and character of Mr and Mrs Walker would be, well, something of an understatement. This then calls into question Tim Walker’s claim that he was diagnosed with corticobasal degeneration, as it is clear from the alleged time of diagnosis that nothing short of a miracle has occurred with his condition, something that medical experts find highly dubious. Medical records are of course, rather conveniently, protected.

Anyway, you can read the investigation by Cloe Hadjimatheou for yourself in the Observer, it was published on Saturday 5th July – here is the link

As for the Walkers, it seems that they have created a web of lies and have a lot of explaining to do. There are consequences for work held out as factual when it is actually deliberately misleading and this may have further ramifications for the Publisher, film company and the Walkers themselves.

Sadly, we live in an age where truth is being eroded every day, mainly by politicians and media moguls or the ‘tech bros’. Where we come across it, I believe we need to oppose it and expose it for what it is. As a story, it’s heart-warming, but at it’s core is now a collection of lies which ruin its perceived purpose.

The Salt Path is even more salty2025-07-08T16:29:46+01:00

The Salt Path

Dominic Thomas
June 2025  •  3 min read

The Salt Path – lost and found

There is a new film The Salt Path based on the book by Raynor Winn about her own story. In essence, it’s a couple that loses everything, and I really mean everything, and decide rather impulsively to go hiking as a way to clear their heads. In an interview, Ray talks of the walk being a line and a map for them to follow step-by-step, having lost everything and recognising that the way through had to be one which was a planned route.

We quickly discover that this is an impulsive decision, not well thought through; in fact it’s hard to think it even vaguely wise given the physical shape that her husband Moth is in – walking with great difficulty due to a condition diagnosed (in the same week as being made homeless) as corticobasal degeneration (CBD), which I understand to be a Parkinsons-related illness impacting movement and cognition. Not ideal when walking a coastal path with unforgiving sheer, steep drops.

To call it a walk isn’t really accurate, it’s a 630 mile hike, with all their meagre worldly possessions carried in rucksacks or worn. It’s an endurance, though I am pleased to say that the story is not.  Rather, it’s uplifting and revels in the human spirit and our ability to endure hardship. Set in the familiar beautiful scenery of the West Coast, they walk along the coastline from Minehead to Poole, funded only by a few pounds in benefits that they receive.

Together we face some of the reactions to them as a homeless couple, often with a great deal of kindness exposed. I haven’t read the book, and the film is naturally an adaptation with heightened dramatic impact, but it seems as though they also lack any friends willing to help, which may not be accurate (I don’t know).

I wondered why and how they managed to lose everything (their home, money and possessions) and it would appear that they invested in a friend’s business which failed and their assets were seized by creditors. Clearly there is another story there, but it is something that I have been asked about numerous times … “I have a friend who has asked me to invest in their business, what do you think?”.

As a business owner myself, I can assure you that it looks easier than it is. The failure rate is exceedingly high and whilst there may be a sense of ‘self determination’, there is an awful lot that is simply beyond your control. Geopolitics, pandemics, recessions, technology, competition, legislation, climate crisis, social trends, economic reality all batter the best of businesses. Perhaps investing in a friend or family member’s business is a great idea, maybe they are the next Bill Gates (hopefully not the next Elon Musk). So perhaps some pointers…

  1. Can you afford to lose all the investment?
  2. How much of your overall wealth would be exposed? Would this scupper your own security if it fails?
  3. How would your relationship cope with ongoing involvement, failure or success?
  4. Are you an active investor (regularly involved with the operational decisions) or passive? And if the latter, is that really code for “I don’t know what I’m doing”?
  5. What experience do you bring that can assist, beyond capital?
  6. Have you understood the risk? Have you checked past and current performance of the business? Do you really believe in the future projections or are these hopeful guesses wrapped in a spreadsheet?

Most of us are not venture capitalists, which is what investing in your friend’s business means. However, a professional VC looks at hundreds of businesses each year and considers the risk/reward very carefully indeed. The Government must incentivise most of us to consider any form of VC investment – with 30% or 50% tax relief and the promise of tax-free gains (in controlled investment solutions like VCTs, EIS and SEIS). These are regarded as suitable investments for probably no more than 1% of investors (according to our regulator, the FCA).

Whatever Ray and Moth invested in, I am confident that it would not have passed muster with any decent financial planner, and a compliance person somewhere would be screaming that they hadn’t had their appetite for risk or capacity for loss properly tested and explored. I understand these concerns, but of course the irony being that even having lost everything, their capacity for loss was not exhausted, they found a way through, it was not ‘the end’. Today, they would be classified as ‘vulnerable clients’ due to illness and experience, yet vulnerability as humans is how we learn most about ourselves and each other.

Ray and Moth rediscover a purpose and the value of life and their relationship. I don’t know if they learned any lessons about investment, other than to avoid it. The film is charming and life-affirming with a couple of familiar good actors – Gillian Anderson and Jason Isaacs.

Financial planning is meant to be about helping you verbalise and clarify your values and goals, setting out the life that you want in your remaining years. We provide the pathway to help you assess the viability of them and how we might make things easier, less arduous and less taxing; minimising risks whilst ensuring you never suffer total financial loss.

Should you feel inspired to buy her books with a link here to Penguin, and here is the new film from Black Bear.

The Salt Path2025-06-12T10:12:36+01:00

Solomon’s bucket list

Jemima Thomas
June 2025  •  2 min read

Solomon’s bucket list

Our latest Spotlight edition is due to be arriving with you all shortly and whilst we appreciate the theme is a little ‘heavier’ than usual, it is an important topic that we mustn’t be afraid to talk about. Death and bereavement can often bring to light how we feel about the way we are living our own lives at the time; an opportunity for reflection and something of a re-set if you like.

Am I living authentically?

Is the life I’ve made for myself enough?

Am I “happy”, content or fulfilled?

If you’ve been a client of ours for any length of time, these questions won’t be new to you.  Our priority is always to ensure that your financial plan is aligned with your values, goals, needs, desires, sense of purpose – or your “why?” so of course you will have been encouraged to think about your long-term aspirations (financial and otherwise).

We sometimes feature holiday and travel destinations in Spotlight and in our blog, largely to inspire you with places we know are on many a bucket list, but for various reasons travelling is not always possible or easy to navigate particularly the older we get.  In our opinion, when ‘travel’ is no longer feasible, it is important to continue to have meaningful experiences that bring pleasure to you (and your loved ones) and create memories that you can look back on fondly.

We thought it might be interesting to give you a very small taste of some simple-pleasure-bucket-list ideas from the team here at Solomon’s. These are all largely doable experiences that we wish to complete this year (or in our lifetimes!).

All of these things give each of us a real sense of joy, which after all is what we’re all really looking for.  Life is for living.

We would love it if any of you would be willing to share things that are on your bucket list that are a bit ‘out of the ordinary’ – there may be things we haven’t even considered!  Please email [email protected] with details!

Live is for living
Live is for living

Solomon’s bucket list2025-06-05T16:04:39+01:00

Putting your Trust in your Pilot

Debbie Harris
May 2025  •  2 min read

Putting your Trust in your Pilot    

In my latest adventure, I took a buzz flight in a helicopter!

At a well-managed operation at Fairoaks Airport in Chobham, I boarded a helicopter and flew a six mile circuit taking in Woking and its environs from the air.

I’m glad I had opted for the five-minute option so that I could ‘test the water’ … as I wasn’t sure if I would enjoy the experience – but I really did and it was over far too quickly.

I had a marvellous time (especially since it was a beautifully clear day).  BUT – it was windy and in such a small craft it was a somewhat bumpy ride on occasion!

I would highly recommend it – stick it on your bucket list for sure …

As I stepped off the aircraft and was heading back to my car, it occurred to me that every time we board a vehicle as a passenger, we are putting our trust in the driver/pilot completely.

We hope that they have all the appropriate credentials and skills for the task ahead and we enter into passenger-hood without too much thought.  The helicopter pilot that day literally had my life in his hands and that’s pretty daunting (for me and for him I imagine!).  And yet I barely thought about the 637 things that could have gone wrong during that five-minute flight … until we dropped through a small air pocket and my stomach ended up in my throat …

When it’s all clear skies and plain-sailing; it’s easy to trust whoever is at the helm isn’t it.  It’s when the weather turns that all our fears and insecurities pop to the surface.

Trusting your financial adviser can be like that sometimes too … hoping against hope that he or she gave you sound advice and that weathering the storm is part of the process.

The majority of our clients have been with us for long enough to know that their trust is well-placed, but we have some newer clients for whom this is the first ‘storm’ they’ve seen with us. I hope that what you will find is that we are calm and patient and reassuring.  All the things a good pilot needs to be!

If you have any concerns or would simply welcome the opportunity to chat things through – please let us know.

Putting your Trust in your Pilot2025-05-27T10:52:26+01:00

The Last Showgirl

Dominic Thomas
May 2025  •  3 min read

The Last Showgirl

Rare is the day that the word ‘pension’ is mentioned half a dozen times within the first half of a film, yet as I sat in my local cinema recently, I couldn’t help but notice this unusual occurrence. A new film written by Kate Gersten and directed by Gia Coppola with Pamela Anderson in the lead role is probably much as you might have anticipated. Anderson plays Shelly, a senior (57-year-old) Vegas showgirl, both the show and her career are forced to face the cold reality of dwindling interest.

In the gambling capital of the US, Shelly’s story is of a woman who assumed that her career could continue uninterrupted. For her, the spotlight of the much-needed attention was almost reward enough except sadly she has not reaped any financial rewards beyond merely managing to stay a little ahead of the next set of bills.

We learn about her struggle to balance life and the personal sacrifices she makes for her career that result in an estranged relationship with her daughter. The experience that many (most) women have in the workplace juggling childcare (and care for parents), relationships and a career and the brutal savagery that the loss of a youthful appearance is rarely a career-ending problem for men. This is, albeit a fairly untypical example, one of the various structural problems that many women face and why so few have careers, pensions or investments that are on a par with men. Scottish Widows run an annual report on the gender divide, the latest is here: https://www.scottishwidows.co.uk/employer/insight/eh-insight-gender-pension-gap.html

Annette (Jamie Lee Curtis) has perhaps an all-too-common experience for women towards the bottom of the economic ladder. Already dropped from the showgirls, she is working as a waitress on a zero hours contract and minimum pay. When asked if she will save her gambling winnings for her retirement she answers:

Annette: Retire? like, bankers retire. Waddaya think I have a 501K? I’m gonna work and then I’m gonna work some more and then I’m gonna die. I’ll probably die in my uniform. That’s my long-term plan.

Jodie: You don’t want to retire?

Annette: It’s not an option, Jodie.

Our opinions about the American dream may have altered over the years as it evidently has not worked for the many; but certainly for a very few. Annette is for me, symbolic of the optimism that Americans have, having the courage to keep going, but numbing the pain of reality with another margarita. You won’t forget the performance by JLC.

Men by comparison have it easier (there, I said it). Men also have it cheaper – we simply don’t have anything like the pressure of appearances. However, life is clearly more complicated and nuanced than I suggest. On the one hand, this is a tale about the consequences of a lack of planning (and saving), making assumptions about the future, which all too swiftly arrives ready to consume hope. This happens to lots of people (most) irrespective of gender, but certainly women generally are at a significant disadvantage.

The film has received a warm response. There are rather obvious parallels with Anderson’s own life (though I imagine she was and is better resourced financially) known primarily for her ability to run across a beach in Baywatch (1989-2001) which at one point was the most watched TV series with a weekly audience of 1.1bn.

In some senses, this is a story of consequences, of not paying attention to the important and being caught up in the familiar. At 57 it isn’t impossible to start a new career or finally start saving for your future into a pension, but it is certainly a lot harder.

The financial services sector hasn’t been the most welcoming to women, there are relatively few female advisers or business owners in the sector, but things are improving. Here at Solomon’s more than half of our clients are women, I hope it’s partly due to the sense of trust and transparency in our advice and connecting money with being used to facilitate the really important things in life, something which many men simply neglect in the pursuit of more.

The sooner you speak with a financial planner who puts your interests first, the better. Whether you are 24, 34, 44 or 84, I can assure you that we can make money make sense.

Here is the trailer for the film The Last Showgirl

The Last Showgirl2025-05-06T10:24:53+01:00

A life worth living?

Dominic Thomas
May 2025  •  2 min read

A life worth living?

If you watch the news on a regular basis, it is hard to shake the sense of despair at the state of the world and its leaders, who appear to have learned nothing from history. Social media as we all know is awash with fiction posed as fact and opinion posed as expertise and many seem all too willing to believe their eyes.

The worlds of literature, television, music, arts and film are currently experiencing something of an appetite for dystopian tales of apocalyptic disaster, be it environmental, climate or more deliberately-introduced political intention.

A new series to tackle this showing on the Paramount network is Paradise. I won’t spoil it for you other than to say that like most others of its kind, it prompts us to ask ourselves “would it be worth surviving?”.  Perhaps a better way to consider this is the question – what makes life worth living?

When phrased that way, I wonder whether there may be a question beneath the question. What indeed does make life worth living and does there come a point when it is not? Is this a strand of the current discussion around euthanasia and assisted dying?

I appreciate that this is a highly inflammatory topic with fierce arguments either side, but the mere fact that the discussion is now more mainstream suggests that there is need for the debate. Perhaps this is one of the consequences of the pandemic, when there certainly was an attitude displayed by many about a “herd” (we being the herd) and a ‘less than’ value ascribed to different people’s lives for a variety of reasons. To be blunt, there was probably a gnats wing of difference between some of these attitudes and those of German “Nationalists” in the 1930s.

I am not about to become embroiled in the debate, simply noting an observation that the discussion about what makes life worth living is more within everyday parlance. However, one of the challenges I often pose to you, our clients, is “what do you want from life?”. It may take different forms, but in essence, I’m asking you about the lifestyle you have and want to maintain, the experiences you wish to have and the skills you wish to develop. In short, what brings you contentment and joy? It seems to me that this is an entirely appropriate and reasonable question to pose.

As I am sure you know, we structure your financial plan around your values and the objectives that you determine important to you. Anecdotal experience means that I encourage you to ‘front load’ your retirement with many of these bucket list experiences; health is something that most of us will battle with as we age, reducing our ability to do things that we might currently take for granted. As health and independence deteriorate, this is where the question of ‘a life worth living’ resurfaces and will elicit different responses from each of us for different reasons and set within a context.

We know that life is brief, so carpe diem, here’s to your very good health!

Here is the trailer for the 8-part series Paradise starring Sterling Brown.

A life worth living?2025-05-06T10:17:18+01:00

If your portfolio was your house

Dominic Thomas
April 2025  •  2 min read

If your portfolio was your house…

As you come across news stories about sudden market falls, (I doubt you have read one about a sudden market increase, unless it’s designed to prompt feelings of envy), I wonder if thinking of them is better if you consider it in the context of your home.

“HOUSE PRICES AT LOWEST POINT IN 5 YEARS”

If you read the headline above, you may be a bit miffed, but you are unlikely to change your plans. You almost certainly don’t ‘panic sell’ your home worried that the value may fall further. Panic selling a property is also generally pretty difficult, even with the most attentive broker, conveyancer, lender and buyer, it’s unlikely that the process will complete within three months, certainly not the next day. This process, whilst decidedly unhelpful to people buying and selling, does help reduce the impact of panic.

If there is a property crash, generally you sit it out, waiting for things to improve. A few people may be caught out, those in the middle of a sale or who have to move for various reasons – it is these people who are most likely to suffer the pain of a downturn.

Similarly, your portfolio is set up to provide a lifetime of income and capital. It is anticipated that the value will vary each day. Unlike your home, share prices are based on corporate results, track records and expectations for their trade in the near future. Your home is valued based on similar properties in the area; what you think it’s worth and what someone else is prepared to pay are often very different.

In short, your financial plan is designed for you, stretching out over the years to come. Yes; we don’t know how bad things will be in the short term, or indeed how quick or how full the eventual recovery will be, but it will happen.

If your portfolio was your house2025-04-27T19:24:52+01:00

What is your love language?

Dominic Thomas
April 2025  •  3 min read

What is your love language?

Life can take a sudden, unexpected twist. One of many twists is the loss of a spouse or partner.  This is hard at any stage of life and brings its own challenges. Raising the family you started together on your own, or starting a family without the other being there to even witness its beginning are both situations that we have experienced with our clients. Life can change in an instant.

Any good financial plan will ensure that you have ample financial protection in the event of a spouse or partner suddenly dying. This would normally mean clearing off any outstanding debts and mortgages, everything from the credit card to the car finance. In addition, a regular income or a fund to provide one for a given period of time or perhaps indefinitely.

A serious or long-term illness can arguably have a worse financial impact – should the main income earner be unable to work, all those bills keep arriving and many probably increase, so it is important for those reliant upon an earned income, be they self-employed or an employee or perhaps own a business, that this is reviewed regularly to make sure there is ample cover in place. When such a situation arises I have never heard anyone tell me that they had too much cover, but most had wished that they had considered rather more.

The new Bridget Jones film Mad About The Boy is a sympathetic look at life after the death of Bridget’s husband, Mark Darcy. In the previous films we witnessed their haphazard relationship of opposites attracting. The latest in the series is perhaps rather more unexpectedly autobiographical from the author Helen Fielding, who explores singleness in our culture and the pressures to conform. Fielding’s first book Cause Celeb was published in 1994 and followed up by Bridget Jones’s Diary in 1996 which was released as a film in 2001 and saw two further follow ups in 2004 (Edge of Reason) and 2016 (Raising A Baby). She published Mad About the Boy in 2013. She started a relationship with her partner Kevin Curran in 2000 and they had two children together. Curran died of cancer in 2016 aged 59.

Admittedly, in the film, there isn’t any talk of Wills or life assurance, but it is clear that Human Rights lawyer Mr Darcy has ensured that Bridget and his children are well provided for; her choice about returning to work is optional, not financially necessary.

As the film was released around Valentine’s Day, an email caught my attention from an insurance company who pronounced that an act of love is to ensure that you have taken out life assurance for the benefit of those you love. I had heard something similarly expressed before, but in all honesty, dismissed it as a bit gimmicky. Nowadays, I do rather think it’s probably one of many “acts of loving” that make the world of difference.

The death of a spouse or partner will happen at some point, if you are fortunate for this to be much later on in life there are other impacts too. Often finances are handled by one member of the couple, or perhaps one has an old-style final salary pension which provides ongoing income, but at half the level. Adjusting to a new paradigm isn’t easy and we take great care helping clients fully understand the important elements of their finances and provide reassurance about their ability to maintain their standard of living without running out of money. The challenges can often feel overwhelming, but we will be here to help ensure that everything works to your advantage.

Inheritance tax may be a regular hot topic in the media, but this is only an issue for people who are not married or for beneficiaries. Whilst important to ensure your estate is passed on as you would wish, it is rather more important that your spouse/partner is able to adjust to the new reality of life without you.

If you know someone who is recently bereaved and would welcome clarity and understanding about their finances and new reality, do suggest that they get in touch. All our initial meetings to discover if we can help are at our own cost.

Meanwhile, here is the trailer for the new Bridget Jones film:

What is your love language?2025-04-17T18:01:03+01:00

Worrying about money?

Dominic Thomas
March 2025  •  2 min read

Worrying about money?

Admittedly, all of us respond differently to pressure and some of us (if not all of us) create our own. I say this as a slight caveat to the statement I will now make. More than half of those aged over 55 are worried that they will run out of money.

This is the finding of research conducted by Oxford Risk, a rather bright bunch that offer services for modelling, measuring, managing and explaining risk to you our clients. As ever, the sample size of the survey wasn’t vast at just a touch over 1,000 people (all over the age of 55). Only 27% of them were not worried about running out of money in retirement.

It won’t please Gen X, Z or Y that around 12% are worried that they will likely be dependent on their children for financial support in their retirement, which when some reports laud the age of an enormous wealth transfer, clearly this will not be everyone’s experience and I suspect the hoped-for inheritance to finally enable joining the property market may be short-lived. It won’t help if your estate suffers a lot of inheritance tax.

Of course, some of this may be merely a reflection of the current cost of living crisis and inflation which at checkouts and cash registers seems to stubbornly ignore ONS official data. It may have something to do with a growing awareness of the exorbitant cost of care or maybe the apparent fragility of the state of the world.

I would love to be able to tell you that we can provide complete reassurance about the future, but it is of course unknown. What we can do is work with your real spending patterns and plans in conjunction with your existing resources and create a plan to avoid running out of money. This relies on regular reviews and sense-checking of our assumptions and your objectives. The intention is obviously to empower you to make informed decisions and have a high degree of confidence about the future, but no one can actually guarantee this, despite what they may be willing to tell you.

We aren’t afraid to wrestle with reality and construct a viable, sustainable plan for your future that will deliver successful outcomes, albeit within the context of a changing and imperfect world.

You don’t need to be worrying, we have a plan that will alleviate this, this is what we do and have done with great success.

Worrying about money?2025-03-21T15:43:07+00:00
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