Crush Your Money Goals
71 episodes - English - Latest episode: 5 months ago -I was $300,000 in debt including student loans and mortgages, living a lifestyle way above my means. Three years later my family had paid off all of it including our house! Now that I'm 100% DEBT FREE (that's right no credit cards, car payments or debt of any kind), I'm on a mission to build a community of people who are ready to crush their money goals. This isn't your regular finance show - we're here to have fun and learn about life any money together. Welcome!
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Episodes
Episode 12: Anti-Goals: The Rebellious Guide to Crushing Your Goals in 2024 (Season Finale)
November 28, 2023 08:30 - 40 minutesCan you believe it… we are at our Season 6 finale! In today’s episode, Bernadette and I share with you our ANTI GOALS as we start planning for 2024. That means we share with you the what and the how we will stop doing things that suck energy out of us. It’s an annual practice that I came across and wanted to try in 2024 vs the standard “new years resolution.” Can you relate? We also added a twist into today’s episode to make it fun and give YOU some insight into mine and Bernadette’s liv...
Episode 11: Partners in FI: Our Husbands' Perspective
November 21, 2023 08:30 - 33 minutesWe are coming to you LIVE from Fincon 2023 in New Orleans where Bernadette and I interview our husbands! We wanted to ask them questions about what it’s been like to pursue Financial Independence, especially with two bad ass women! This was a really fun and REAL episode! Here Joseph and AJ talk about: Who introduced the concept of FI first How it feels to reach FI What it’s like to pursue FI with kids And more! We hope you enjoyed this episode as much as we did! How you can find Bern...
Episode 10: SkillPop: A New Way to Build Community and Connect with Others
November 14, 2023 08:30 - 32 minutesWe are coming to you LIVE from Lisbon to talk about the work that Haley Bohon and Skillpop are doing to create learning experiences that are engaging, interactive and accessible. As Haley and her team would put it, you shouldn’t have to spend huge amounts of time or money to learn something new, so we make it simpler. If you are a woman who is looking for community or are simply excited to hear 3 bad ass women talk about entrepreneurship, this episode is for you! How you can find Bernade...
Episode 9: FinCon2023 Live: Estate Planning with Stef's Mom - A Conversation About Love, Legacy, and Financial Security
November 07, 2023 08:30 - 37 minutesWe are coming to you LIVE from Fincon 2023 in New Orleans & we are bringing a very special episode to you. Welcome Dr. Mary Lou Maldonado, Stefanie’s mom! Mary Lou recently turned 60 and as a gift to herself she got her Estate Plan established. We talk to her about why she felt this was important, her experience with her attorney and discussed why this body of work is so important to do for ALL WOMEN. No matter if you have kids or not! How you can find Bernadette & Stef: Follow Bernadet...
Episode 8: FinCon 2023 Live: The Women in Money Mastermind & Community Experience
October 30, 2023 20:30 - 40 minutesWe are coming to you LIVE from Fincon 2023 in New Orleans & we are talking about all things Women, Community and Masterminds. Bernadette & Stefanie had the opportunity to attend a Women In Money Mastermind this summer and we thought it would be a great idea to check in with some of the amazing women who attended. We asked them what their biggest takeaways were from the Mastermind for their businesses and what the Women’s Wealth Effect means to them. And of course, we break down what our thou...
Episode 7: Career Effect Series: How Santana Overcame her Limiting Beliefs to Unlock a Life Aligned
October 24, 2023 08:30 - 1 hourToday is a powerful episode about Life + Career + Money. If you have been following me @womenswealtheffect on Instagram or on Linked In you have seen that since July 2023, I have hosted a monthly Career Effect Series. I created this series because 3 out of 4 women do NOT feel comfortable talking about Career or Money at work. SOOO that means we need to create space for these crucial conversations! Today I want to introduce to you Santana Inniss. She came on to my Career Effect Series a...
Episode 6: The RSU Millionaire: How to Build Wealth with Restricted Stock Units
October 17, 2023 08:30 - 16 minutesHi y’all, Stefanie coming to you solo today to talk about RSUs (Restricted Stock Units)! I personally leveraged RSUs to build around $200k of my networth and I want to make sure you know the ins and outs of how they work WAY EARLIER than I did. Did you also know I left over $100k UN-vested when I left my job in 2022? I’ll share how having a PLAN for your RSUs helps aid in decisions such as this + share how this could be great scenario to test out when you fill out my independence planner...
Episode 5: The Power of Money: How to Use Your Financial Resources to Make a Difference with Tanja Hester
October 10, 2023 08:30 - 29 minutesIn this episode we come to you live from Fincon’s first Women In Money conferences with the one and only Tanja Hester! Tanja Hester, author of two award-winning books — Work Optional: Retire Early the Non-Penny-Pinching Way and Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change — is best known for retiring from her career at the age of 38, after watching her dad get forced into early retirement by his disability, which she inherited. We focused the m...
Episode 4: The Millionaire Renter: How to Leverage Real Estate to Build Wealth
October 03, 2023 08:00 - 28 minutesBernadette and Stefanie are coming to you live from Lisbon, Portugal… talking about our experiences with Real Estate! We share all the tea on how we both significantly increased our net worth through real estate… and how we are now unapologetically renting as Millionaires. We cover questions like: How real estate fit into our financial strategies (or didn’t) The power of buying a home off of 1 income The unconventional approaches to real estate that we took How taking the emotion out ...
Episode 3: The Financially Empowered Woman: Forecasting Your Future with Stefanie
September 26, 2023 09:30 - 24 minutesHola Hola everyone! Stefanie here for her first solo episode… eek! In this episode, I let you in on how my life has been in massive transition since 2018 as we moved from Texas to Singapore, had two kids and started on an intentional path towards financial independence. It was over this period that I had a real reckoning with what I wanted to do with my career… because I realised I wanted to do work more aligned to my purpose and values. AND I walk you through the exact framework I used t...
Episode 2: The Future is Female: How Women's Financial Empowerment Can Build a Better World with Janine Firpo
September 19, 2023 08:30 - 41 minutesWe are so excited to introduce you to Janine Firpo, a values-aligned investor, angel investor, and social innovator. In 2017 she left her 35-year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. In 2018 Janine launched a club to help women invest all their assets – from cash to public equities to private investments – in ways that align with their values. AND she is the author of Activate...
Episode 1: Crushing Your Money Goals with The Women's Wealth Effect
September 12, 2023 08:30 - 32 minutesWelcome to the 6th season of the Crush Your Money Goals Podcast! We… yes, that is right, WE are so glad you are here! Bernadette introduces you to this season’s co-host, Stefanie Gonzales, the Founder of The Women’s Wealth Effect and they are coming to you from Lisbon, Portugal for this episode! We discuss how season 6 will be focused on the 4 pillars of the Women’s Wealth Effect: Career, Investing, Health and Community. We hope you are as excited as we are! Follow Bernadette on Insta...
What happens when you finally reach your money goals
January 31, 2023 08:30 - 15 minutesWe did it! After five years of painstakingly managing our budget, growing our income, and paying down $300,000 of debt, my husband and I reached a goal I thought would take us at least another decade. We hit our FIRE number. This means we have enough money in investments to become work-optional, according to the calculation traditionally used by the FIRE (Financial Independence, Relax Early) movement. For us, our FIRE number equates to $900,000, which will generate enough income to cover ba...
How to live more luxuriously in 2023
January 24, 2023 13:22 - 22 minutesMarie Matthews is a luxury residential Interior Designer based in Charlotte, North Carolina. She’s also a Crush Your Money Goals ROCKSTAR who paid off over $30,000 of debt and left her day job to start her own design firm in 2022! In this episode, she shares three tips to refresh your home with a designer touch for 2023. She’s one of my favorite humans on earth, you will learn so much from her! Follow her on instagram at https://www.instagram.com/mariematthewsinteriors/ Ready to crush y...
How To Grow Your Audience In 2023 With Accessible Content
January 17, 2023 08:30 - 20 minutesYou will reach more of your audience by incorporating accessibility with your online content and my guest and Crush Your Money Goals alum Laurie can help you get there! Laurie Necasek is an expert on accessible solutions for digital content. She’ll share her learning and development and psychology expertise to help your business be more accessible to more people in 2023! Grab her free guidebook: https://allaboutaccessibility.com/ Ready to crush your money goals in 2023? Join my 2023 ...
Throw out the bro-y money advice in 2023
January 10, 2023 08:30 - 22 minutesGiovanna aka Gigi is financial educator and TikTok influencer featured on The New York Times, Mitu and Business Insider. She teaches financial literacy and career readiness at various organizations and on her TikTok account @thefirstgenmentor where she's built a community of almost 200,000. Her mission is to transform how First Gen, and other women of color, interact with money. As a first gen mentor, she'll share tips to throw out bro-y, jargon-filled money advice that just doesn’t apply t...
Decorating Your Home On A Budget
December 13, 2022 08:30 - 22 minutesChampagne taste on a beer budget? Crush Your Money Goals alum Marisa Wilson is sharing how you can decorate beautifully without breaking the bank. She also shares her big leap from non-profit world to the world of interior design and how you can (and should) take the leap into your dream job. Special Offer: Room Audit Email [email protected] with the code CRUSHYOURMONEYGOALS and a photo of a room you want help with. She'll give you 3 suggestions to improve the space! To learn ...
Reminding Women That Self-Care Isn’t Selfish
November 29, 2022 08:30 - 23 minutesSelf-care is necessary and brave AF! Meet Carla Carlisle, one of my favorite Crush Your Money Goals alum who paid off six figures of debt in our work together! Carla, now a Tedx Speaker and author, became educated on how so many people live life in survival mode. The decade-long journey to motherhood recreated her and inspired her to focus on advocacy. She teaches caregivers to transform from living in hyper-vigilance mode to living a sustainable life as a woman and a person of substance. ...
She Left The US And Pursued Financial Independence
November 15, 2022 08:30 - 23 minutesMeet Stef (she/her/hers), Career Coach and digital creator who helps career women build wealth! She’s a Latina Millionaire who paid off $420k debt, and my Instagram friend turned real life friend! She’s #goals because she was able to leave the US with her family of 4 and make a financially independent life abroad! You won’t want to miss the gems that she drops on this episode! Follow Stef on Instagram: https://www.instagram.com/womenswealtheffect/ Ready to crush your money goals? Grab...
Four truths you need to hear about your money goals (from a debt free millennial millionaire)
November 01, 2022 07:30 - 22 minutesThis episode was a huge milestone for me. It was the first time I got on stage in front of 1,500 OTHER personal finance experts to school them about… money. I have never been so nervous in my life! But here’s feedback I got from one of my favorite podcast hosts: “Oh my god @bernadebtjoy inject this energy in my veins!!! This woman’s talk just straight up changed my wife’s life. I cannot wait to see this growth and FLOW! Forever grateful.” -Justin Brown-Woods, Co-host of Price of Avocado Toas...
4 Ways Being A Landlord Costs More Than You Planned
October 18, 2022 07:30 - 25 minutes - 35 MBRental properties are a popular investment tool on the way to financial freedom, but owning and maintaining rental properties are two very different things. In this episode, I share 4 ways that being a landlord can be more expensive than you might be ready for. I also interview Adam, the SVP of Growth & Partnerships at Steadily, who uses technology to help landlords and real estate investors get fast and affordable insurance for any property type. I'm pumped to partner with Adam...
Four Ways Being A Landlord Costs More Than You Planned
October 18, 2022 07:30 - 25 minutesRental properties are a popular investment tool on the way to financial freedom, but owning and maintaining rental properties are two very different things. In this episode, I share four ways that being a landlord can be more expensive than you might be ready for. I also interview Adam, the SVP of Growth & Partnerships at Steadily, who uses technology to help landlords and real estate investors get fast and affordable insurance for any property type. I'm pumped to partner with Adam and Ste...
What To Do When Your Parents Need Financial Help
October 04, 2022 07:30 - 21 minutesAccording to a 2021 Fidelity study, 40% of caregivers have experienced financial setbacks due to their responsibilities. In this episode, I share my experiences as a first-generation Filipina American constantly at odds with my family culture. I hope you can use some of my suggestions to help your parents financially more smoothly than I have, and to give yourself some grace for doing the best that you can. Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academ...
Three Simple Rules To Save More And Pay Down Debt
September 20, 2022 07:30 - 12 minutesI learned that if I completely deprived myself of everything I enjoyed spending my money on, staying on my debt-free journey to millionaire status was not going to last very long. Finding the balance between living your best life and paying down soul-sucking debt like student loans is personal, but these three spending rules helped avoid the spending shame spirals and encouraged me to pay down debt faster. Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an a...
3 Simple Rules To Save More And Pay Down Debt
September 20, 2022 07:30 - 12 minutes - 17 MBI learned that if I completely deprived myself of everything I enjoyed spending my money on, staying on my debt-free journey to millionaire status was not going to last very long. Finding the balance between living your best life and paying down soul-sucking debt like student loans is personal, but these three spending rules helped avoid the spending shame spirals and encouraged me to pay down debt faster. Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®,...
Four Major Money Mistakes I Wish I Avoided
September 06, 2022 10:00 - 15 minutesIf you’ve made big money mistakes before, it’s never too late to recover from them! The beauty about money is that even when you lose it, there’s plenty more to be made. In this episode, I discuss the 4 major money mistakes I wish I avoided, and how you can avoid them yourself (or what to do if you’ve already made them). Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial indep...
4 Major Money Mistakes I Wish I Avoided
September 06, 2022 10:00 - 15 minutes - 13.8 MBIf you’ve made big money mistakes before, it’s never too late to recover from them! The beauty about money is that even when you lose it, there’s plenty more to be made. In this episode, I discuss the 4 major money mistakes I wish I avoided, and how you can avoid them yourself (or what to do if you’ve already made them). Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial ...
How Are You?
July 06, 2021 07:30 - 28 minutesIt's the last episode of this season! Thanks to all of you who have listened this far. Here we talk about dealing with the loss of my Dad, what my existential crisis is looking like and how you can level up to crush your money goals now. To learn more visit crushyourmoneygoals.com!
Building Wealth Within BIPOC Communities
May 18, 2021 07:30 - 22 minutesRace and wealth are uncomfortably interrelated and in this episode Bernadette Joy shares her practical tips to build wealth in BIPOC communities and why it matters for all of us. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!
Dear AJ
May 04, 2021 07:30 - 48 minutesMeet Bernadette’s better half AJ as he shares his own take on audience asked questions from his unfiltered experience and point of view. Learn how they downsized to one car, combined finances and dealt with managing money with big differences in incomes as a married couple. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!
Can I really be a millionaire?
April 20, 2021 07:30 - 32 minutesThe answer is yes because AJ and I just crossed over our first $1M of net worth, so it's possible! But there's a big IF. You can only build wealth if you're willing to put a plan together and change the way you manage your money. In this episode, I'll share with you the four steps I took to fix my money flow and how you can use these steps to turn your money mess into financial success! To join Bernadette's newest 30 day program, visit crushyourmoneygoals.com/opt-in
Why (and if) you should get rid of your mortgage
April 06, 2021 07:30 - 19 minutesFair warning, this advice is not for everyone. Having a roof over her head that didn’t have rent or a mortgage attached was A GAME CHANGER not only in money, but marriage, business and confidence for Bernadette Joy. She shares how and why she decided to ignore the advice of everyone around her and pay off her house by age 34. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!
Stop scrimping! Spend on whatever you freaking want
March 23, 2021 07:30 - 32 minutesBernadette Joy will never shame you on spending on what you love. What are strategies to curb your spending and how can I still support businesses you love? In this episode, she shares why she doesn’t listen to penny pinching advice and shows you how you can spend on whatever it is you want without guilt [and not go broke]. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!
Most people mess this up on saving and investing
March 09, 2021 08:30 - 32 minutesBernadette Joy answers three most common questions: How can I be more disciplined in saving? What are the best tools for saving and investing? Should I change my investing strategy during a crazy time [like a global pandemic]? Her answers are probably not what you would expect. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!
Negotiating Your Salary as a Woman
February 23, 2021 08:30 - 26 minutesIn honor of Women's History Month, Bernadette Joy is teaming up with Pink Mentor Network and Lauren Ansley Comedy Productions to talk about solutions for money, mentorship and morale for women in Corporate! In this episode, Bernadette gives a sneak peak fit the big event by giving her three tips for negotiating your salary as a woman. To sign up: https://www.eventbrite.com/e/the-future-of-women-in-corporate-dont-let-history-repeat-itself-tickets-140529478453 To join the Crush Yo...
Two Things Might Be Preventing You From Building Wealth
February 09, 2021 08:30 - 15 minutesBernadette Joy doesn’t shy away from being contrarian and figured out these two things that most people care about are what was stopping her from becoming wealthy: credit cards and other people’s opinions. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!
Should I stop investing to pay off debt?
January 26, 2021 08:30 - 17 minutesThis question is totally contested by personal finance experts. Bernadette Joy shares her personal experience of how she not only paid off $300,000 of debt but how she and her husband became avid investors on their way to their first $1M of net worth in their thirties. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!
How to be less stressed about money
January 12, 2021 08:30 - 20 minutesWelcome to a new season of Dear Bernadebt Joy presented by Crush Your Money GoalsⓇ! Our founder Bernadette Joy is answering real audience questions from all over the world! In this episode, she answers important questions during this pandemic: What are your strategies in coping with money stress? How can I be more mindful about my spending when I lost my income due to COVID-19? To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoal...
Why I Closed My First Business
January 01, 2020 16:08 - 9 minutesWelcome to the first episode of UNDRESSED! In this series, I'll share what I've learned from starting and more importantly closing, my first business DRESSED and also introduce some business friends I've met along the way as we talk about what it's like to be an entrepreneur and the mistakes we've learned that you can learn from, too! And to learn more about Bernadette's $1M to help millennial professionals crush their goals in life and money visit crushyourmoneygoals.com
What Business Taught Us About Women
January 01, 2020 16:06 - 21 minutesIt's our next episode of UNDRESSED! I chat with my favorite local photographers Ray & Christy of Mnemosyne Studio and uncover: Photography tips for anyone with a small business What we learned about having women as customers Failing your first time around and still grow your business doing what you love Ray & Christy are not just as small business owners but genuinely kind human beings, and can't wait for you to have some of their gems of wisdom! To learn more about Mnemosyne Studio vis...
Protecting Your Business Brand
January 01, 2020 16:03 - 18 minutesIt's another episode of UNDRESSED! What happens when you actually grow a brand that's worth a lot of value? You need to protect it of course! I chat with my friend and legal expert Carla Clements on how you protect your brand legally and the ups and downs of being a boss babe attorney and a new mom. To learn more about protecting your brand: https://www.wagnerhicks.law/ And to join Bernadette's $1M mission to help professional millennials crush their goals in life and money, visit crushyourm...
Could You Own A Franchise?
January 01, 2020 15:38 - 19 minutesShould I have done a franchise instead of opening my own business? I absolutely loved this conversation with Lauren Cantor who coaches potential franchise owners on what it means to be in business for yourself, but not by yourself. We talk about how she bought her own franchise after being laid off in her fifties, what it's like to be a reinvented baby boomer and who is NOT a good fit for being a small business owner. To learn more about Lauren, visit https://lcantor.esourcecoach.com/ And to...
What To Do When You Have No Life Plan
January 01, 2020 15:35 - 9 minutesClosing my business when I knew it was the right decision was the easy part. Having to answer people's questions as to what I planned to do next with my life was the hard part. In this video, I talk about what it was like to close my business publicly and how I answered family, friends and strangers on that question - "So what are you doing now?" To learn more about my $1M mission to empower millennial professionals to crush their goals in life and money visit crushyourmoneygoals.com!
Building Your Brand After Leaving Corporate America
January 01, 2020 15:34 - 29 minutesKelly Jo is a wife, mom, a recovering corporate worker, small business owner and side hustler. Building a brand from scratch is no easy feat and she's not only done this for herself, but for the clients of her company, Threaded Marketing Group. If you're a corporate person day dreaming about how to build your own business, this is a must listen! https://www.threadedmarketinggroup.com/ facebook.com/Threaded-Marketing-Group-126495204714952/ https://www.linkedin.com/company/threaded-marketing...
Know Your Worth
January 01, 2020 15:30 - 26 minutesTori Stevens of EvolYOUtion and I have my favorite conversation of UNDRESSED. We talk about her journey from "job-hopper" to entrepreneur and her tips on knowing and owning your truth in career and in life. There were so many great tidbits I got out of this. If you're a professional millennial woman feeling stuck, I promise you'll learn something from this amazing woman! To learn more about Tori, visit www.evolyoution.net. https://www.facebook.com/evolyoution.... To learn more about my $1M m...
Crush This Debt Live at Charlotte Shout!
May 10, 2019 13:44 - 54 minutesCrush This Debt was live at Charlotte Shout! We recorded a special episode of the podcast at the Queen City Podcast Network stage powered by OrthoCarolina at Coco and the Director in Uptown Charlotte. Bernadette hosts the show and talks to our producer, Andy Goh, about his own debt free journey. Bernadette then talks to Angela Stowe Nicholson about her family's goals in paying off student loans. Finally, Bernadette takes questions from you, our listeners! Take a listen!
Paying off $110,000 of debt with Michael Claudio
April 02, 2019 08:00 - 17 minutesI find so much inspiration in other debt-free journeys and am excited to share one of my friend Mike, who despite job changes, starting a company, having two kids and ALL THE THINGS that could derail someone, paid off $110,000 in less than a year! Listen in this week's episode or catch the full video episode on my YouTube Channel! Ready to crush your debt? Join my campaign to help eliminate $1 MILLION of debt and teach others how to save money, make money and earn your lifestyle! crushth...
No Student Loans For Your Kids! Saving For College with Leo Theriault, Family Wealth Partners
March 26, 2019 08:00 - 16 minutesIf I could go back in time for me and most of my friends, I’d whisper “Don’t take out those student loans!” I can’t go back in time, but for those of you planning to send your kids to college or going to school yourself, this episode is a must! We’ll chat with money expert Leo Theriault on how he helps families save money paying for college. Listen in this week's episode or catch the full video episode on my YouTube Channel! Ready to crush your debt? Join my campaign to help eliminate $1 MIL...
Saving On Your Big Day! Wedding Money Tips with Alessandra Macaluso, The Real-Deal Bridal Bible
March 19, 2019 08:00 - 13 minutesHey, when I got married it was stressful AF and even more expensive. Is it worth it to go broke for your wedding day? Our expert friend Alessandra Macaluso, author of The Real-Deal Bridal Bible will share tips on how to save money and stress planning your wedding! Listen in this week's episode or catch the full video episode on my YouTube Channel! Ready to crush your debt? Join my campaign to help eliminate $1 MILLION of debt and teach others how to save money, make money and earn your lifes...
Don’t Go HGTV Broke with Michael Claudio, WinRate Consulting
March 12, 2019 08:00 - 15 minutesBefore I got crazy about being debt free, I was crazy about HGTV. I wanted to have that before-and-after reveal of a house, but nobody warned me about ALL THE THINGS that could go wrong! Before you start that dream renovation, listen to these tips from our home improvement expert Michael Claudio of WinRate Consulting. His tips can literally save you thousands of dollars! Listen in this week's episode or catch the full video episode on my YouTube Channel! Ready to crush your debt? Join my ca...