Mortgage Matters

Announcer
0:00:00
This is a KUNV Studios original program.

Wesley Knight
0:00:04
The content of this program does not reflect the views or opinions of 91.5 Jazz & More, the University of Nevada Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

Roland Daniels
0:00:15
Good morning Las Vegas.

Roland Daniels
0:00:35
Welcome to Mortgage Matters.

Roland Daniels
0:00:37
I'm Roland Daniels, your certified mortgage advisor with Geneva Financial. My NMLS number is 355-859 and our company NMLS number is 42056. And as always, I'm here with my fantastic co-host, Heidi Griffith. Good morning, Heidi.

Heidi Griffith
0:01:05
Well, good morning. Happy Sunday, Roland.

Roland Daniels
0:01:08
Happy Sunday to you as well.

Heidi Griffith
0:01:09
Happy Sunday to everybody. I'm Heidi Griffith. I'm also a mortgage advisor and I'm your Director of Client Services. My NMLS number is 224-7754.

Roland Daniels
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So as we wrap up the year, we want to talk about setting big goals for the year ahead and why it's so important to start laying the groundwork for our financial future. 2025 can be your year to take home ownership, generational wealth, and savings to the next level.

Heidi Griffith
0:01:43
That is true. So, today we want to touch on some key things, you know, how we're going to create a solid financial foundation. We're going to take some time and explore some exciting opportunities to build wealth, and we're going to even share some tips on how to make some extra cash if the holidays

Roland Daniels
0:01:59
left you a little thin in the wallet, huh Roland? We will. Yeah. So we have a lot to cover, but first let's talk about a couple of opportunities coming your way in the new year. Our first event of the new year is going to be a big one. It is. On Saturday, January the 4th, we will be hosting the Path to Homeownership Workshop with a HUD-certified counseling agency, CPLC. December's workshop was one of the largest on record.

Heidi Griffith
0:02:32
That last class of the year was packed. I think that we're going to see bigger numbers for January just because as we move forward with goals and all of that kind of stuff, I think that people are really going to get in and do the work this year.

Roland Daniels
0:02:44
I agree with you. I think it'll be a fantastic opportunity. Yeah, and a great way to start the new year, right? It will be. So, and if you're thinking about becoming a homeowner in 2025, we've seen so many previous students take that first step towards homeownership. And as always,

Heidi Griffith
0:03:01
it is inspiring to see the room fill up with future homebuyers. Yeah, and not only do we have the the Path to Homeownership Workshop, but we also have our down payment assistance home buyer education class and that's going to be with Nevada Rural Housing. That's on Monday, January 13th. It's only an hour long. It's from 11 to noon and that's going to be at the Whitney Library.

Heidi Griffith
0:03:25
So the Whitney Library is like Trop and Boulder and it's going to be a free class that covers all things Nevada Rural Housing down payment assistance and it's going to give you everything you need to know about getting help with down payment, their eligibility criteria, plus so much more. And I have to mention between both classes. So we've got the HUD certified class, that class runs from 830am to 3pm. That's Saturday, the fourth, it is a full day class, but there's a

Heidi Griffith
0:03:54
lot that gets covered everything the A to Z of home buying and home ownership, including budgeting, and credit, and all that good stuff, right? And I just wanted to mention that in both classes, lunch is provided and so are the snacks, because Heidi loves some snacks. So whether you're a first-time homebuyer

Heidi Griffith
0:04:17
or you've been through the process in the past, these workshops really are packed with information, like Roland said, and we always have a great time interacting with everybody who attends. Everyone's so ready to take the first step, and it really is a joy to be part of that process.

Heidi Griffith
0:04:32
If you want to attend, you might want to pre-register for these workshops, because like I said, I really think that they're going to fill up quickly this time because it's the beginning of the year. Plus, when you attend, you're going to receive your home buyer education certificate.

Roland Daniels
0:04:44
We're also in the process of finalizing dates and times for two additional January classes. And if you have any questions or would like to register, feel free to reach out. And that number is 702-210-2057. That's 702-210-2057. Yeah, so Ro, let's talk about a couple of things.

Heidi Griffith
0:05:08
We're moving into 2025. We are. It is days away. Yes, we are days away from 2025 and a lot of us are thinking about, you know, how we're going to boost our finances after the holiday season, because really, let's face it, holidays have a way of draining our bank accounts,

Roland Daniels
0:05:25
don't they? They do.

Heidi Griffith
0:05:26
So whether it was on gifts or maybe you traveled this holiday season or there was just extra, you know, stuff that popped up because it does out of nowhere. But there's good news because there's a way to make up for that and maybe head into the new year with a little bit of extra cash.

Roland Daniels
0:05:41
Right.

Heidi Griffith
0:05:42
So here's an interesting fact. I'm sure that you probably are aware of this. I don't know if you know the number though. Did you know that Nevada is actually holding over $1 billion, $1 billion of unclaimed property? I didn't know it was that high.

Roland Daniels
0:05:56
A billion.

Heidi Griffith
0:05:57
I know.

Heidi Griffith
0:05:57
And that's just stuff like uncashed checks, old utility deposits, and even insurance refunds, whether it's your car insurance or your health insurance that people just forgot about, never collected, and Nevada is actually holding that money. So I had read an article about it.

Heidi Griffith
0:06:15
I hopped online just to see, and I had almost 500 bucks in unclaimed property. I mean, I had a power deposit, a power bill deposit from like 2002 that when I'd moved, it must have just went back.

Roland Daniels
0:06:29
And I never got to check. Are you going to share some of that $500?

Heidi Griffith
0:06:31
Of course I will.

Roland Daniels
0:06:32
Okay.

Heidi Griffith
0:06:33
Of course I will. So think about that. There's money there. So imagine a billion bucks just waiting to be claimed and who knows, you might be missing a little extra cash that could actually help you

Heidi Griffith
0:06:47
and give you just a little financial cushion that you need to start the new year. Right. So to check if you have any unclaimed property, all you need to do is visit Nevada State Treasurer's unclaimed property website at nvup.gov. So Nevada up nv up dot gov. Yes, and it only takes a few minutes to check to see if the state is holding any money for you. Yeah, you go on, you check the items that are yours or that you think are yours. They send you an email.

Heidi Griffith
0:07:19
And what I'm going to have to do is send them a copy of my ID and sign a couple pieces of paper and I can actually now email it back to them. Super simple. It really is definitely worth a look, right?

Roland Daniels
0:07:29
It is.

Heidi Griffith
0:07:29
As we go into 2025, because who knows what's waiting? It could be the perfect way to start a new year off with a little bit more

Roland Daniels
0:07:40
about some other ways that you can make extra money. Because the side hustle is real. The side hustle?

Heidi Griffith
0:07:46
The side hustle is real, real.

Roland Daniels
0:07:49
Tell us a little bit more about that side hustle.

Heidi Griffith
0:07:51
Let's do that.

Heidi Griffith
0:07:52
So whether you want to pay off holiday expenses, maybe you want to save for something big in 2025, side hustles can actually be the perfect way to bring in extra cash. A simple one, and this is one that we actually meet a lot of people that do, is gig work.

Heidi Griffith
0:08:06
So that would be stuff like driving for Uber or Lyft or even delivering food with services like DoorDash, Uber Eats, that kind of stuff. We actually have met with a lot of people that have become homeowners that they're, and that was their primary.

Roland Daniels
0:08:19
It was their primary income. And sometimes they're achieving six figures. Who would have ever thought? Not a bad gig, right? Talk about gig work. So it doesn't just have to be ride share or food delivery. There's freelance work for people with skills in writing, design, video editing, and even tutoring. So it's all about using your skills that you already have and finding a way to monetize it. Exactly.

Heidi Griffith
0:08:38
And so maybe you're really good at math, right? Maybe you should become a tutor. Roland's really good at math. I haven't thought about it. Yeah, I mean, really, you could probably, you know, help someone's kid.

Roland Daniels
0:08:54
Right.

Heidi Griffith
0:08:55
Or college student. And still make some money. And make a few bucks. Right. Yeah, or you could look around your house. I know that this is something that it's,

Heidi Griffith
0:09:02
it's actually one of my goals in 2025. Look around your house. Do you have stuff that you don't love and or that you're not using? Facebook Marketplace, I mean, how many times do you see a friend when you're scrolling Facebook that has something listed for sale?

Heidi Griffith
0:09:16
Right. And if you look around and if that item doesn't bring you joy, right? Or if you're not using it anymore, why not make a couple extra bucks off of it? And if you don't want to use Facebook Marketplace, there's stuff like eBay and there's OfferUp and there's even yard sales, right? There are. Yeah. And if you don't have anything to sell, you could look at picking up a part-time remote job that you could do at home when you get off work. Because I know that there's a lot of companies right now that are employing people for like

Heidi Griffith
0:09:46
customer support positions and offering really flexible hours. So if you wanted to hop online for, you know, three hours when you get off work, three or four days a week and pick up a couple extra hundred bucks.

Roland Daniels
0:09:57
Or you could think about offering services like pet sitting, dog walking, or even taking on a small jobs like doing some yard work or unfortunately or fortunately house cleaning. Do you like to do house cleaning?

Heidi Griffith
0:10:10
I love it.

Roland Daniels
0:10:12
So if you got a little free time, there's definitely ways to make it profitable.

Heidi Griffith
0:10:17
You can even use that money to save up for your goals in 2025. It's all about thinking outside of the box and making the most of your time.

Roland Daniels
0:10:27
So let's talk about something that's at the core of why do we do what we do.

Heidi Griffith
0:10:33
Let's do that.

Roland Daniels
0:10:34
Right.

Roland Daniels
0:10:35
Which is generational wealth.

Roland Daniels
0:10:36
Simply put, generational wealth is money and assets that get passed down from one generation to the next. And it's not about just having money in the bank. It's about setting your family up for long-term financial success. So generational wealth isn't just about handing over a pile of cash. It's about giving your kids and your future generations opportunities that weren't there

Roland Daniels
0:11:04
before. So the most common way to build generational wealth is through real estate. So when you buy a home, you're investing in something that can appreciate in value over time. And when you own a home, you are building equity and you get to take advantage of appreciation. That's right. Right. So over time, that equity can grow. And even a relatively short period of time, let's say five to seven years,

Heidi Griffith
0:11:34
because five to seven years is about the average that people hold on to their homes, right?

Roland Daniels
0:11:38
That is correct. Right. And you'll be able to see the home's value increase over time. That wealth, you can then tap into to make bigger financial moves for your family, like buying a second home or maybe investing in your kid's education.

Heidi Griffith
0:11:54
That's right. A home doesn't have to be passed down from generation to generation to be a tool for wealth, right? So you don't have to keep your home for 30 years.

Roland Daniels
0:12:04
You don't, and most people don't. No, no.

Roland Daniels
0:12:06
Not in this day and time.

Heidi Griffith
0:12:07
But the mindset with this is, if you buy a house, you sell your house with, let's just say, between five and seven years, right? You could still walk away with a significant profit, right? Especially if values continue to go up. And a traditional increase on a yearly basis

Heidi Griffith
0:12:24
is usually in the single digits, right?

Roland Daniels
0:12:25
Right around 4% or so.

Heidi Griffith
0:12:26
3 to 5%-ish. We've seen it be much stronger than that.

Roland Daniels
0:12:31
Well, you remember 21 and 22, we were seeing a 25% increase year over year.

Heidi Griffith
0:12:38
Crazy, and that wasn't common. That wasn't something, we couldn't sustain that forever. But even if we're looking at, you know, a few points, you know, a percent, a two, three percent a year, you're going to get a profit from that property. And you can then take that profit and reinvest it in something else.

Heidi Griffith
0:13:00
So whether that be, you're going to move into a different home for different reasons, whether you're upsizing, downsizing, you want a pool now, whatever that looks like, you can invest it in a business. You can invest it in investments, whether it's stocks and bonds or stuff like that.

Roland Daniels
0:13:17
Right. You want to make those smart moves.

Heidi Griffith
0:13:19
Yeah.

Roland Daniels
0:13:19
And Heidi, here's where it gets really powerful. Let's say you bought a home for $300,000. And after just six years, the market value has gone up by, let's say, 20%. That's achievable.

Heidi Griffith
0:13:31
Yeah.

Roland Daniels
0:13:32
And that's about $60,000 that you could potentially use to buy another home or put towards retirement or maybe another investment. And that's how home ownership can change the financial trajectory of your family.

Heidi Griffith
0:13:53
And really the great thing about real estate is that even a small increase in value can make a really big difference. It isn't about holding on to the property forever. It's about creating the foundation for future wealth in a time that you do own the property, right? And for many people, like we said, five to seven years could be enough to start building

Heidi Griffith
0:14:15
a solid amount of equity. And realistically, when we talk about generational wealth, this is the stuff we're talking about.

Roland Daniels
0:14:23
Exactly.

Roland Daniels
0:14:24
Yeah. And even if you decide to sell and move on, the equity can help you level up in your financial journey. You might use it to buy a bigger home or move to an area with a higher potential of appreciation. So it's not about staying in one place forever. It's about using home ownership as a springboard to greater financial opportunity.

Roland Daniels
0:14:47
It's a tool, right?

Roland Daniels
0:14:48
Yeah. And when you sell and buy another property, you're also teaching your kids that home ownership is possible. And that's something worth investing in. So you're creating a pattern of growth

Roland Daniels
0:15:03
and financial stability that can carry forward from generation to generation. And it's not just about the home that you're living in. It's about how that home serves as the foundation for your future growth. So whether it's through appreciation, building equity, or simply having a stable place to live while you save for your future.

Heidi Griffith
0:15:25
Yeah, and you know, that's the one thing that we don't talk about a lot. Homes are a great tool for creating generational wealth, right? It's probably the biggest tool that you can utilize. We also want to remember that away from the financial aspects of a home, there's something else, right?

Heidi Griffith
0:15:46
It's where your family is. It's the place that you lay your head every night.

Roland Daniels
0:15:50
And make memories.

Heidi Griffith
0:15:51
It's the place that you make memories. It's the place that you spend holidays with your friends and family. It's also the place that you're able to make your own.

Roland Daniels
0:16:00
Yeah, it is.

Heidi Griffith
0:16:00
When we talk about, you know, if you like purple and you want to paint your walls purple, it's yours.

Roland Daniels
0:16:04
Paint away. So as we look ahead to 2025, think about your family's future. Homeownership can be your starting point for building wealth, even if you're not holding on to property for decades. In fact, even just five to seven years can have a huge impact on your financial direction.

Heidi Griffith
0:16:23
Seriously. And remember, it doesn't really matter where you start, it matters that you start. That you start. Because buying a home, getting into the market, making smart financial decisions today, that's going to set you up for a brighter wealthier future tomorrow, right?

Roland Daniels
0:16:42
Agreed. You got to start. So that first step is to make a decision to start, right? So if you're interested in how to start building or even continue to grow your generational wealth for your family or your generations to come, please feel free to reach out. Our number is 702-210-2057. That's 702-210-2057.

Roland Daniels
0:17:09
So since we're talking about ways to gear up for a better financial future. Start building that generational wealth. I think it's an important conversation for us to have, and it's all about understanding why having an emergency fund should be on your list. So I'm sure we all know that life

Roland Daniels
0:17:34
has its own way of throwing unexpected expenses our way.

Heidi Griffith
0:17:38
Seriously.

Roland Daniels
0:17:39
Right? So whether it's a medical bill, maybe your car broke down, and unfortunately, maybe a job loss, that's where an emergency fund comes in handy.

Heidi Griffith
0:17:49
Yeah, emergency funds aren't sexy. They're not sexy. It's not fun to talk about, but really it can be your financial safety net because it's there for things you don't see coming, right? Right.

Heidi Griffith
0:18:01
Ideally, you want to save up three to six months. That's what all the experts say, three to six months worth of living expenses. So that would be your rent. That would be if you have a mortgage or mortgage, that would be your car payment, all that kind of stuff. So three to six months is ideal, but we understand that the average person is in that position. Might not be able to have six months of savings. So really, again, this is one thing. It doesn't matter where you start.

Heidi Griffith
0:18:25
It's just a matter of actually starting that. So start small. It doesn't have to be a huge amount of money right away.

Roland Daniels
0:18:32
It doesn't. It's about getting into the habit of savings. So for example, if you set aside maybe 50 or $100 a month, it adds up over time.

Roland Daniels
0:18:43
It does.

Roland Daniels
0:18:44
The goal is to gradually build up a cushion that you can rely on when life happens.

Heidi Griffith
0:18:49
Yeah, because maybe you can't save hundreds each month, but anything helps. So here's the tip, right? And I continue to go back to this show after show after show because it really is these little things that help with not only our budgets,

Heidi Griffith
0:19:01
but help saving money, right? And that's subscriptions and stuff that we're spending money on that we're not utilizing. So whether it be a streaming service, I know we're going into the new year, so a lot of us have, you know, fitness and health goals.

Heidi Griffith
0:19:17
And if we have a gym membership and we're not using it, should we continue to pay for that? I'm not telling you to cancel your gym membership and not be fit, but what I'm saying is, if you're not utilizing this stuff, then that money really adds up.

Heidi Griffith
0:19:34
You know, another big one is like apps on your phone. You go on to, you go to an app because you heard great things about it or it's got a free trial period and now all of a sudden you're paying, you know, $20 a year or $100 a year.

Roland Daniels
0:19:46
$9.99.

Heidi Griffith
0:19:47
Yeah, whatever that is, right? And tracking your expenses for 30 days

Roland Daniels
0:20:04
just to see where your money is going.

Heidi Griffith
0:20:07
I know, it's not fun to do, by the way. It's not a fun exercise, it's a harsh exercise, but I think it's one we all need to do.

Roland Daniels
0:20:14
We do. So little changes like that can make a huge difference over time. And don't forget about other ways to save. Maybe consider automating your savings, right? And you can have a small amount,

Roland Daniels
0:20:28
automatically deducted from your paycheck and put it directly into a separate account. So you'll never see it.

Heidi Griffith
0:20:35
Right, and so when we talk about putting into a separate account and not seeing it, where should we keep it? Should we just throw it into our checking account or maybe I've got a savings account that I use as my vacation fund money, should I put it there?

Roland Daniels
0:20:48
Oh no, we wanna designate it to a different

Heidi Griffith
0:20:51
account, its own account, its own little cute account. So maybe you get into a high yield savings account, right? Those are typically online banking type accounts, you get into those, and you can make a little bit of money off of the interest and watch your money grow, right? So what about the the health savings accounts? I know you have one, right? I do. I've

Roland Daniels
0:21:13
had one probably now for 15 years or so. Wow. And it's money that I forgot that was there until recently going to the dentist and that's why I was out for the last two weeks. Yeah, so that's also a great plan. I

Heidi Griffith
0:21:24
know that a lot of times your employer will provide it, right? Yes. But I know that even as a self-employed person, you can actually take advantage of that. And that's all pre-tax dollars, right? So you could actually continue to supplement it if you wanted to and then have that as a separate account for any medical emergencies because unfortunately life happens.

Roland Daniels
0:21:48
So we recommend that you reach out to your employer to see if that's something available

Heidi Griffith
0:21:51
for you. Absolutely.

Roland Daniels
0:21:53
Absolutely. And both are easy to access and you'll earn more than on a regular savings account from like your bank regular, we won't say any names, but the banks that you see right on the corner. Let's talk about the question we hear most. How's the real estate market?

Heidi Griffith
0:22:12
We really do. I mean, at least several times a week, sometimes daily. So that is the big question. So someone asks you what you do for a living. You say that you're a mortgage advisor, you're in the real estate spectrum.

Heidi Griffith
0:22:26
And the first question I was, so how's the market? Well, when we were sitting earlier today and kind of putting this show together, deciding what we were gonna talk about, I thought about this because it really, we usually do the question of the week.

Heidi Griffith
0:22:41
This is a big one. And I wanna call this segment, Crystal Ball 2025, kind of a hat tip to Richard Lee. I know a lot of people may not be familiar with Richard Lee, but he is an icon in the Las Vegas real estate housing arena. When I first got into real estate in the mid 90s, it was before the internet, guys. I didn't go to Google and find out what was going on in the housing market.

Roland Daniels
0:23:10
Wow, before the internet.

Heidi Griffith
0:23:12
It's pretty Google, yes. What are you trying to say, Ro? But Richard Lee put on an event yearly, right? You went to Crystal Ball.

Roland Daniels
0:23:19
I did, and it's great information.

Heidi Griffith
0:23:21
It was a big deal. It was a big deal, and he just had such great information. So I'd like to, as an ode to Richard, kind of call this segment Crystal Ball 2025. I do want to give full disclosure. Our Crystal Ball is broken.

Roland Daniels
0:23:36
What?

Heidi Griffith
0:23:36
It's unfixable. What happened? Yeah, no. Because we know that the housing market's kind of thrown us some curveballs throughout the years, right, especially within the last few years. Right. And it's not exactly following trends because we used to be able to look back and go,

Roland Daniels
0:23:53
well, the trend shows it's not following. It was a predictable behavior and predictable cycles. Well, those cycles are unpredictable.

Heidi Griffith
0:24:03
They're unpredictable. So what we're going to work with is current data, right? We're going to work with what's happening now, talk about what we're seeing, and maybe help you understand why now might be a great time to buy a home, and it may not be a good time for you at all.

Heidi Griffith
0:24:18
So it's really going to be based on everybody's specific situation and circumstances. Absolutely. So as we know there's still a lot of pent-up demand in the market.

Roland Daniels
0:24:25
There is. Right? And we got a lot of buyers sitting on the sidelines waiting for rates to come down. We don't know what that's going to look like. Right. I'm hearing that they're looking for 6% or just under 6%. Yeah, I don't really even think people know

Heidi Griffith
0:24:41
you know a number per se. It's going to be a feeling. And unfortunately, we got a little spoiled when rates were unusually low. And the 2.5, 3%? Not typical at all. I mean, we may never see that again, don't you think? Probably not. But people are waiting it out, kind of, to see what's going to happen in the real estate market.

Roland Daniels
0:25:09
Right. And when that happens, we're likely to see a surge in demand. And when demand goes up, supply is still on the low end. So home prices usually will typically rise.

Heidi Griffith
0:25:23
It's true, it's true. And supply in Vegas is still an issue. I mean, we're seeing a little bit more inventory come on the marketplace, but not a huge amount. There's not an overwhelming amount of homes out there. So inventory is still tight in a lot of areas and I

Heidi Griffith
0:25:40
don't see that changing overnight. So even though interest rates might be higher now and I'm using air quotes right, waiting for the rate to drop could actually mean paying more for the same home later. And that's why buying now and in many situations can actually make a lot of sense. So when you buy now, you're locking in today's prices and you start building, you know, you're building equity immediately.

Heidi Griffith
0:26:05
And as home prices rise over time, your investment grows and you're creating wealth for the future, again, generational wealth.

Roland Daniels
0:26:13
Yep, and then you have that appreciation. And remember, interest rates aren't there forever. Interest rates go up and they go down. So if the rate drops in the future and the likelihood that they will, we are expecting it. You can always refinance, take advantage of the lower rate.

Roland Daniels
0:26:32
But if you want to buy, or if you wait to buy, you could find yourself competing with a flood of buyers when rates do come down. That competition may drive prices even higher, and it could make it even harder to find the home that you want.

Heidi Griffith
0:26:50
Yeah, absolutely. So we know that a neighbor to Nevada, right? A neighbor to Nevada.

Roland Daniels
0:26:57
Our next door.

Heidi Griffith
0:26:59
Our next door neighbor has a tendency, since I've been born by the way, to come into the state. Nevada's a great state for a lot of reasons. The affordability aspect of it, I know when I say that it sounds a little odd, especially when we talk to everyday people in the city.

Heidi Griffith
0:27:16
Affordability has obviously come down. No state taxes. But we don't have state taxes. When we look at values, apples to apples, when we take a look at the median sales price in Nevada or in Clark County versus, I don't know, LA County, it's going to look a little different, right? It does. Yeah. And our crystal ball, it's broken.

Roland Daniels
0:27:37
It is broken.

Heidi Griffith
0:27:38
It's not in the shop. The shop can't fix it. So, you know, if you've been thinking about buying, let's just have a conversation. We can go over your goals, run numbers, and see if now is the right time for you to make a move,

Heidi Griffith
0:27:50
or if it isn't.

Roland Daniels
0:27:51
Yeah, that number is 702-210-2057. That's 702-210-2057. You know, we are here to guide you through every step of the process and help you make the best decision for your own situation. And remember, there's no one size fits all answer, but having all of the information is the best way to move forward.

Roland Daniels
0:28:13
It is. I just looked at my watch. We're already at 30 minutes. I can't believe it's already the end of today's show.

Heidi Griffith
0:28:21
Time does fly when you're having fun.

Roland Daniels
0:28:23
So as we wrap up our last show of 2024, we just want to take a moment to thank each and every one of you for being part of our journey of this year. Absolutely. Your support really does mean the world to us, and we're excited to keep helping folks

Heidi Griffith
0:28:39
achieve their dreams in 2025. There is so much more to come. And we want to wish you all a joyful and peaceful holiday season.

Roland Daniels
0:28:49
So may the next year bring fresh opportunities and lots of happiness. So as we head into the new year, remember, stay true to yourself and your mind. Here's to an amazing 2025. Thanks for being with us. We'll see you again next year.

Roland Daniels
0:29:05
Bye.

Heidi Griffith
0:29:06
Bye. Bye. Bye.

Transcribed with Cockatoo