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money money monday thats gonna get a little quick huh um i couldnt resist so before we really start delving into like you know budgeting and credit and all that fun stuff we need to talk about a little bit of housekeeping yes housekeeping so were still in the first month of the year so its a really good time to change your passwords yes have you guys done that have you done that when was last time you changed your banking password huh huh when was it right its something we dont do a lot of but its something that in todays day and age you should probably be changing your password every three months and what happens is people get lazy right you might have the same password i mean gosh how many themes do we need passwords for its like you buy a pair of shoes you need a password so what happens is people use the same password for multiple sites as well as their bank accounts no no guys dont do it dont do it so what youre going to do today if you havent already done it is you