 Thank you. 1230 a.m. The buzz of Cincinnati, your talk station. You're listening to the wrap up with Raven Monday. We are having another money conversation with the money lady, Miss Michelle Graves, and she's about to give us the tools for our financial survival kit. She says she has one for every income level. So let's jump right into it. Right. Let's start with where the bulk of our community is as black people and brown people.