 Welcome to the show, everyone. I'm excited about bringing on my first guest who's been on with me several times and she's also become a friend of mine and I'm so excited about bringing her on. I have with me Karen Rosner and she is a financial coach. You are a personal financial coach and I want you to talk a little bit about what it is that you do first and then I want to talk a little bit about you since I've gotten to know you on a personal level.