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hi everyone all right Linda you want to say hello I do I think I just had something uh playing there in the background so oh there we go hi hi everybody Linda Halloran with Town and Country Federal Credit Union and glad that youre all here K Squad members and Town and Country Federal Credit union members joining us tonight for the third session about budgeting getting our arms around our budget in 2023 and and making it something that works for us to help us docHub our goals and live stress-free less stressful lives so Kates going to um jump in right away and please be sure to you know comment in the chat and you know shares hes got a lot to cover tonight so Im glad youre all here thank you Linda welcome everyone Im so happy this is budget class number three if you miss the other ones you can jump back in another time but dont go anywhere were gonna get right into it all right so tonight is our last one hour session weve got three more half hour ses