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[Music] so looking at improving your financial fitness you know theres a few little nuggets here that we can share yeah i think so and i think these these ideas kind of help everybody so well start with uh some of these are kind of basic maybe a review but create an emergency fund hopefully have one right how much should you have well a lot of financial planners say three to six months many people that are retired like to have a year in cash it kind of depends upon on your comfort level for cash and safety it also depends upon the security of your fixed income its making sure that you have that safety net right and so then its reducing spending and down markets and some people might have to create additional income what does that mean all right well maybe im working overtime working part-time getting a side gig whatever it takes right no one likes to do any of this stuff who wants to reduce spending and go back to work but you got to do what you got to do right to make sure that y