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hi my name is uh Monica husb Iamp;#39;m an enrolled agent ntpi fellow and CEO of decision financial services and I would like to welcome you to this episode of The Wealthy wallet so today I am super excited about my guest who is on this podcast not only does she work for decision financial services and is one of my bookkeeper extraordinaires she happens to have turned out to be one of the bestest of my friends and today is her last day even though Iamp;#39;m forcing her to come back one day a week um because sheamp;#39;s going into retirement and so Iamp;#39;m really glad to have her on here because I felt every business owner should know the importance of their books why theyamp;#39;re very important the reason for having them and then I just wanted to talk briefly about retirement and sort of the struggles and things that one should be prepared for if you are headed into retirement so Avon I thank you for being here Iamp;#39;m so glad to have you on this episode thank y