Tax Season 2024/2025 Financial Planning, Investing & Taxes podcast

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This Is Woman's Work with Nicole Kalil

1
QUALIFIED: How Competency Checking and Race Collide at Work with Shari Dunn | 284 33:58

منذ 3 أيام33:58

التشغيل لاحقا

قوائم

إعجاب

احب

33:58

In this episode, we delve into the concept of being "qualified" in the workplace, examining who gets labeled as such, who doesn't, and the underlying reasons. We explore "competency checking"—the practice of scrutinizing individuals' abilities—and how it disproportionately affects underrepresented groups, often going unnoticed or unchallenged. Our discussion aims to redefine qualifications in a fair, equitable, and actionable manner. Our guest, Shari Dunn , is an accomplished journalist, former attorney, news anchor, CEO, university professor, and sought-after speaker. She has been recognized as Executive of the Year and a Woman of Influence, with her work appearing in Fortune Magazine, The Wall Street Journal, Ad Age, and more. Her new book, Qualified: How Competency Checking and Race Collide at Work , unpacks what it truly means to be deserving and capable—and why systemic barriers, not personal deficits, are often the real problem. Her insights challenge the narratives that hold so many of us back and offer practical solutions for building a more equitable future. Together, we can build workplaces and communities that don’t just reflect the world we live in, but the one we want to create. A world where being qualified is about recognizing the talent and potential that’s been overlooked for far too long. It’s not just about getting a seat at the table—it’s about building an entirely new table, one designed with space for all of us. Connect with Our Guest Shari Dunn Website& Book - Qualified: https://thesharidunn.com LI: https://www.linkedin.com/today/author/sharidunn TikTok: https://www.tiktok.com/@thesharidunn Related Podcast Episodes: How To Build Emotionally Mature Leaders with Dr. Christie Smith | 272 Holding It Together: Women As America's Safety Net with Jessica Calarco | 215 How To Defy Expectations with Dr. Sunita Sah | 271 Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform! 🔗 Subscribe & Review: Apple Podcasts | Spotify | Amazon Music…

Financial Planning, Investing & Taxes »
Tax Season 2024/2025

منذ عام واحد 5:04

MP3•منزل الحلقة

In this week's episode:

Tax Season 2024:
- What Documents do you need for your Taxes?
- Did you get your W-2 & 1099s?
- Standard Deductions or Itemize Return?
- What should you tell your Tax Pro?

We would also like to hear from you on future casts and tips you like for us to talk about in 2025.

Please just email us at topshelftalks@yahoo.com.

#Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto #IRS #taxlimits #planning #tax

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20 حلقات

#Business #Trading #Shelf Talks #Financial Planning

Financial Planning, Investing & Taxes

Tax Season 2024/2025

Financial Planning, Investing & Taxes

published منذ عام واحد

MP3•منزل الحلقة

In this week's episode:

Tax Season 2024:
- What Documents do you need for your Taxes?
- Did you get your W-2 & 1099s?
- Standard Deductions or Itemize Return?
- What should you tell your Tax Pro?

We would also like to hear from you on future casts and tips you like for us to talk about in 2025.

Please just email us at topshelftalks@yahoo.com.

20 حلقات

#Business #Trading #Shelf Talks #Financial Planning

كل الحلقات

Financial Planning, Investing & Taxes

1
Tax Season 2024/2025 5:04

منذ 5 weeks5:04

5:04

In this week's episode: Tax Season 2024: What Documents do you need for your Taxes? Did you get your W-2 & 1099s? Standard Deductions or Itemize Return? What should you tell your Tax Pro? We would also like to hear from you on future casts and tips you like for us to talk about in 2025. Please just email us at topshelftalks@yahoo.com. #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto #IRS #taxlimits #planning #tax Intro and Exit Music brought you by: Fluid Dynamics by Punch Deck | https://soundcloud.com/punch-deck Music promoted by https://www.free-stock-music.com Creative Commons / Attribution 3.0 Unported License (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/deed.en_US…

Financial Planning, Investing & Taxes

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Overview of General Motors (GM) & EVs 8:00

منذ 6 weeks8:00

8:00

In this week's episode: We look at GM: Revenue in 2024 strong GM Financial revenue is increasing What is GM doing in EV market? Is the price point right for you? Would you invest in a GM product? We would also like to hear from you on future casts and tips you like for us to talk about in 2025. Please just email us at topshelftalks@yahoo.com. #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto #IRS #taxlimits #planning #tax Intro and Exit Music brought you by: Fluid Dynamics by Punch Deck | https://soundcloud.com/punch-deck Music promoted by https://www.free-stock-music.com Creative Commons / Attribution 3.0 Unported License (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/deed.en_US…

Financial Planning, Investing & Taxes

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New Tax Changes for 2025 (Highlights) 4:19

منذ 8 weeks4:19

4:19

Our First Episode in 2025: We review IRS Changes for 2025: Personal Exemption stays at $0 as part of the 2017 Tax Cut / Jobs Act Standard deduction limit increases to $15,000 ($30,000 for MFJ) Marginal Tax Brackets set to new limits Earned Income Tax Credit (EITC), limit raised to over $8,000 Estate Tax Limits increase over $13.9 mil Gift limit to $19,000 for 2025 We would also like to hear from you on future casts and tips you like for us to talk about in 2025. Please just email us at topshelftalks@yahoo.com. #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto #IRS #taxlimits #planning #tax Intro and Exit Music brought you by: Fluid Dynamics by Punch Deck | https://soundcloud.com/punch-deck Music promoted by https://www.free-stock-music.com Creative Commons / Attribution 3.0 Unported License (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/deed.en_US…

Financial Planning, Investing & Taxes

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Ready for 2025, we share our plans 2:30

منذ 10 weeks2:30

2:30

What is new for 2025, we are: Going to do quick shorts two times a week with tips and things happening Company Profiles Tax Tips Investment outlooks How to save money We have to bring Tom back to the show!!! Hopefully our first "Live" event in 2025 We would also like to hear from you on future casts and tips you like for us to talk about in 2025. Please just email us at topshelftalks@yahoo.com. #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto Intro and Exit Music brought you by: Fluid Dynamics by Punch Deck | https://soundcloud.com/punch-deck Music promoted by https://www.free-stock-music.com Creative Commons / Attribution 3.0 Unported License (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/deed.en_US…

Financial Planning, Investing & Taxes

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Quick Update / Taking the Summer Off and New Stuff Comming 2:38

منذ 2 years2:38

2:38

Quick Update on what we are working on this Summer Financial Planning Series continues Weekly Market Updates New Series on the Book Richest Man in Babylon by George Clanson If you like a financial plan or just chat with Tom, email tom@consuswmg.com or give him a call at 614-310-0269 he love to hear from you. If you live in the Columbus, OH or St Louis, MO area he would be happy to sit down and meet with you at his office or at a local coffee shop and he would be happy to buy the coffee. Check out CONSUS website at, http://www.consuswmg.com/ We would also like to hear from you on future casts feel free to leave a comment or email us. If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com. #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto…

Financial Planning, Investing & Taxes

1
Petro Dollar What is really mean? Does it change how we invest? 12:25

منذ 2 years12:25

12:25

Petro Dollar, so much talk but what does it really mean? Petro Dollar what does it mean Petro Dollar, who created it Why is the US Dollar so strong? Money Supply what will happen if this stops The Fed how do they react? What does this all mean for the average investor? Crypto, Bitcoin Give Tom a Call, he is here to help. If you like a financial plan or just chat with Tom, email tom@consuswmg.com or give him a call at 614-310-0269 he love to hear from you. If you live in the Columbus, OH or St Louis, MO area he would be happy to sit down and meet with you at his office or at a local coffee shop and he would be happy to buy the coffee. Check out CONSUS website at, http://www.consuswmg.com/ We would also like to hear from you on future casts and we hope to have an opportunity to do a "Live" event in 2023. If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com. #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto…

Financial Planning, Investing & Taxes

1
Banks, Market What can you do? You know Focus on your Financial Plan 20:24

منذ 2 years20:24

20:24

Tom and Chris, 2nd Cast in 2023 we talk about: Importance of Financial Plan The Fed and Rates Banking Industry What is going on? SVB Silicon Valley Bank Gold, Silver and Dollar Credit Unions Big Banks/Regional Bank Risk Give Tom a Call he is there to help. If you like a financial plan or just chat with Tom, email tom@consuswmg.com or give him a call at 614-310-0269, he love to hear from you. If you live in the Columbus, OH or St Louis, MO area he would be happy to sit down and meet with you at his office or at a local coffee shop and he would be happy to buy the coffee. Check out CONSUS website at, http://www.consuswmg.com/ We would also like to hear from you on future casts and we hope to have an opportunity to do a "Live" event in 2023. If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com. Send in a voice message: https://anchor.fm/topshelftalks/message Tom's Message to his clients on SVB: Hope you are doing well. You have likely heard by now that Silicon Valley Bank and its parent company SVB Financial Group failed as a bank last Friday. Given that this is a concerning event, I wanted to reach out and answer some of the questions you may have about what’s happening. How It Happened: There were a number of influences that together spelled the downfall of the bank. From 2020 through 2021, Silicon Valley Bank took in incredibly high deposits through PPP loans and through clients that were taking their companies public through a Special Purpose Acquisition Vehicle (SPAC). SVB took those deposits and decided to invest in long-term bonds, such as mortgages and treasuries, while interest rates were low. 2022 was a very different year. Silicon Valley Bank’s unique customer base of private companies started to need cash and, as a result, pull their deposits. In addition, interest rates also increased, which negatively impacted the mark-to-market value of its longer-term bonds. In an effort to appropriately deal with the impacts of its mark-to-market losses, the bank used a valid accounting change to consider those bonds “ held to maturity .” (Any bonds that are held to maturity do not need to be updated with the market value but can be held on the books at cost.) Unfortunately, you cannot hedge interest rate risk for bonds in the “held to maturity” category, meaning the bank could not appropriately hedge interest rate risk for these longer-term bonds (of which they had many). The combination of reducing deposits, too few assets that were marked at the market (or consistent with the current market value), and growing withdrawals forced the bank to sell their held-to-maturity bonds. When they sold these assets, the paper losses became realized, and those losses effectively overwhelmed the bank's equity, causing the bank to fail. All of this happened over the course of a week — and mostly over a two-day period. The stock was worth $267.83 close of business Wednesday and worthless by the close of business Friday. Did Silicon Valley Bank do anything wrong? SVB did not break any written rules, but they did not effectively hedge their interest rate risk. Poor risk management ultimately spelled their doom. It would have been easy enough to reduce purchases of so many long-term bonds back in 2021, but the appeal for the bank to make a little bit more money on their deposits was likely too strong. Also, how many market participants expected the Federal Reserve to raise interest rates so much so quickly? They were unprepared for the shifting market environment. Some have said it was a “bank run.” Is that right? Yes, there are really three reasons why depositors pulled their money out. Many depositors needed money because their startup businesses were not as successful as anticipated due to the market environment. In addition, some depositors wanted higher interest rates they could achieve with a money market fund (4.5% vs. 1% at many banks). And when depositors realized that the bank’s tangible equity was falling, those with more than the FDIC-insured limit of $250,000 on deposit decided to take their additional savings out to be safe. Is this a risk for the big banks (over $250B in assets)? Big banks are stress-tested regularly and are required to hedge their interest rate risk. As a result, those banks are not at risk of the same problems as Silicon Valley Bank. What about smaller banks? Yes, some smaller banks with more aggressive treasury operations (what they choose to do with the deposits and how they hedge or not) are at risk. Signature Bank of New York has been seized by regulators. Other midsize banks (which have less than $250 billion in assets) seem to have low tangible equity. Banks can be notoriously difficult to analyze, so I expect many who invest for dividends to find greener pastures. Impact on the market? We’re not sure yet how this will impact the market other than introducing more volatility. Some believe that the Fed must stop raising interest rates immediately to stem the losses of these poorly performing long-term bonds on bank balance sheets, while others think the Fed needs to continue to raise rates to combat inflation. One thing is certain: bond market volatility, as measured by the MOVE Index , is likely to be heading higher. Last year, when the MOVE index increased, financial conditions tightened, the stock market declined, and the economy slowed. A similar scenario could be the case again in 2023. That said, it’s important to recognize events like this do happen and keep in mind that we invest for long-term returns. Depositors will be okay as FDIC insures deposits up to certain limits. Equity holders of the banks may not. I encourage you to follow reputable news sources for more minute-to-minute developments. But rest assured, I will be paying careful attention to it myself and will reach out again if needed. If you have any questions about this or your portfolio, please give me a call or respond to this email. #Podcast #ElectionDay #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP...…

Financial Planning, Investing & Taxes

1
Talking Mortgages, Real Estate Markets and How Things Have Change 21:42

منذ 2 years21:42

21:42

We Talk all things Mortgages, Real Estate and types of Mortgage Products, with our Expert Kevin Bailey Real Estate Mortgage Products FHA, Conforming Loan, PMI Find an expert in your area. How Important are Closing Costs? How long does the process take? How early should you apply for a mortgage when purchasing a home? Give Kevin a Call he is here to help. If you like a disscuss a mortgage or in market for a home or just like to chat with Kevin, email kbailey@usavingsbank.com or give him a call at 614-578-8773 he love to hear from you. We would also like to hear from you on future casts and we hope to have an opportunity to do a "Live" event in 2023. If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com. #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #mortgages #PMI #FHA #closingcosts #purchasehome #USBanks…

Financial Planning, Investing & Taxes

1
Fun with Tik-Tok the real meaning don't forget your 401k. 16:25

منذ 2 years16:25

16:25

We have some Fun with Tik-Tok, with a real meaning "don't forget your 401k" Importance of Financial Plan Being Successful in Retirement 401k Really a Good Program 401k Roth Little Hidden Secret What is really a Fiduciary? Richest Man in Babylon by George S. Clason Don't wait get with a Certified Financial Planner Give Tom a Call he is here to help. If you like a financial plan or just chat with Tom, email tom@consuswmg.com or give him a call at 614-310-0269 he love to hear from you. If you live in the Columbus, OH or St Louis, MO area he would be happy to sit down and meet with you at his office or at a local coffee shop and he would be happy to buy the coffee. Check out CONSUS website at, http://www.consuswmg.com/ We would also like to hear from you on future casts and we hope to have an opportunity to do a "Live" event in 2023. If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com. If you like to check out the book Richest Man in Babylon, here is link to Amazon. https://www.amazon.com/dp/B0BM76P9WN?psc=1&ref=ppx_yo2ov_dt_b_product_details #Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k…

Financial Planning, Investing & Taxes

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Our First Podcast of 2023 - Importance of Financial Plan, is going to the Gym really what you need this year? 17:59

منذ 2 years17:59

17:59

Our First Podcast of 2023, we talk about: Again, Importance of Financial Plan Being Successful in Retirement Is clipping coupons in your future? Going to the Gym really what you need in 2023? Hidden Money could it be there? What is really a Fiduciary? What is coming up, our series on the book Richest Man in Babylon by George S. Clason Don't wait get with a Certified Financial Planner Give Tom a Call he is there to help. If you like a financial plan or just chat with Tom, email tom@consuswmg.com or give him a call at 614-310-0269 he love to hear from you. If you live in the Columbus, OH or St Louis, MO area he would be happy to sit down and meet with you at his office or at a local coffee shop and he would be happy to buy the coffee. Check out CONSUS website at, http://www.consuswmg.com/ We would also like to hear from you on future casts and we hope to have an opportunity to do a "Live" event in 2023. If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com. If you like to check out the book Richest Man in Babylon, here is link to Amazon. https://www.amazon.com/dp/B0BM76P9WN?psc=1&ref=ppx_yo2ov_dt_b_product_details #Podcast #ElectionDay #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner --- Send in a voice message: https://anchor.fm/topshelftalks/message…

Financial Planning, Investing & Taxes

1
We have a little FUN listening to Tic Tok Videos and getting our reactions. 16:25

منذ 2 years16:25

16:25

On this 2022 Election Day, Tom and I have a little fun and listen to some Tik Toc Videos on the Pod Cast and you get our reactions. Topics in this Podcast: Networth Important? / One Recording says it's not. Don't mess with the Blue Chips buy the Penny stocks and Crypto. Live like College Students to build Wealth Live like no-one today so you can live like no-one tomorrow. If you want to talk about our Podcast please Just email us at topshelftalks@yahoo.com. If you like a financia plan or just chat with Tom, email tom@consuswmg.com he love to hear from you. We Love to hear from you. Tom's Website; http://www.consuswmg.com/ #TicTok #Podcast #ElectionDay #Networth #reactions #pennystocks #crypto #Collegestudents #topshelftalks --- Send in a voice message: https://anchor.fm/topshelftalks/message…

Financial Planning, Investing & Taxes

1
Tom and I are talking Taxes, Stock Market Reactions and Elections and of course keeping up on your Financial Plan 19:36

منذ 2 years19:36

19:36

On this 2022 Election Day, Tom and I talk about Tax changes for 2023, 401k Opportunities and Stock Market Reactions after Mid-Terms. Topics: Election Day - What does the Markets usually do post Mid-terms Taxes, some changes happening in 2023 401k Contributions Changes Don't forget you financial Plan and Give Tom a Call!!! If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com. If you like a financial plan or just chat with Tom, email tom@consuswmg.com he love to hear from you. Tom's Website: http://www.consuswmg.com/ #Taxes #Podcast #ElectionDay #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan Resources: https://www.irs.gov/newsroom/401k-limit-increases-to-22500-for-2023-ira-limit-rises-to-6500 https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2023 --- Send in a voice message: https://anchor.fm/topshelftalks/message…

Financial Planning, Investing & Taxes

1
We are talking about EV (Electric Vehicle) and how they go beyond getting us from Point A to B 20:29

منذ 2 years20:29

20:29

Something a bit off our topic of Finances, we are talking about EV (Electric Vehicle) and how they go beyond getting us from Point A to B Topics in this Podcast: Electric Vehicles Cost vs Standard Car EV go beyond being a Car. Just email us at topshelftalks@yahoo.com. We Love to hear from you. Tom's Website; http://www.consuswmg.com/ Resources: https://www.evgo.com/ https://www.electrifyamerica.com/ #electric #EV #Electricvehicle #Rivian #Tesla #GM #Ford --- Send in a voice message: https://anchor.fm/topshelftalks/message…

Financial Planning, Investing & Taxes

1
A little different twist...We Talk Housing Market and Mortgage Rates Do we really know what is going to happen? 18:00

منذ 2 years18:00

18:00

Well as the title says we are taking a twist, Tom and I are talking about the Housing Market and Mortgages. Throw a little Motorcycle in there too. Topics in this Podcast: Housing what is going on? Housing Pricing under pressure? Mortgage Rates Short Term Rates and have they been as affected by the fed? If you would like to talk with Tom about your specific situation, financial plan or investments opportunities feel free to call Tom at 614-310-0169 ext 1, or via email at tom@consuswmg.com. If you are looking for advice on a mortgage or any lending products we have some Subject Matter Experts that can help or as we mention in the cast if you want to hear us talk about any specific topics please let us know. Just email us at topshelftalks@yahoo.com. We Love to hear from you. Tom's Website; http://www.consuswmg.com/ Resources: Property Onion https://propertyonion.com/education/mortgage-rate-predictions-for-2023/ --- Send in a voice message: https://anchor.fm/topshelftalks/message…

Financial Planning, Investing & Taxes

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Market Conditions, Importance of that financial plan, Vacations and Tom's BIG Announcement. 15:57

منذ 2 years15:57

15:57

We are talking, Vacations, what is going on in the Market this week with Tom Costantiello CFP® with CONSUS Wealth Management. Sorry we have both been on vacation so we didn't post an episode last week. Topics in this Podcast: Quick Update on our Vacations and what we saw from an economic point of view. Where is the Fed Taking us? Inflation "Again" Importance of a financial plan. Tom's Big announcement If you would like to talk with Tom about your specific situation, financial plan or investments opportunities feel free to call Tom at 614-310-0169 ext 1, or via email at tom@consuswmg.com. Tom's Website; http://www.consuswmg.com/ Resources: "Dr Doom" https://www.yahoo.com/video/dr-doom-nouriel-roubini-warns-201839931.html JP Morgan / Chase CEO - Jamie Dimon https://www.cnbc.com/2022/10/10/jpmorgan-jamie-dimon-warns-us-likely-to-tip-into-recession-soon.html Disclosure: Any information provided in this podcast, should be considered Information only and should not be taken for legal, tax or specific financial advice. If you have any questions regarding specific topics please email topshelftalks@yahoo.com --- Send in a voice message: https://anchor.fm/topshelftalks/message…

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