- 5 months ago
In this episode of The Money Goal, Emir sits down with our producer Yasmin to unpack what it really means to take that leap. From small steps to smart planning, they explore how you can make bold moves without going broke.
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00:00What are you doing? How are you starting this?
00:02How are you just going in and like sort of going in blind almost?
00:07Yeah, yeah.
00:08I mean, with any business, like you should hope that like it's not around just for like a year or two.
00:12Yeah, you gotta take things seriously basically.
00:14Exactly.
00:14Yeah.
00:14Some people can do it gung-ho, like complete gung-ho.
00:17Like if this doesn't work out, next month I'm going to be eating cucumbers every day for lunch.
00:23Yeah, no, it couldn't be me.
00:24Yeah, I can't do that. I can't do that.
00:25Would I regret quitting my job and trying this out?
00:28Or would I regret not trying at all?
00:30Welcome back, guys.
00:36My name is Ymir and this is The Money Goal.
00:38Today I'm with Yasmin and we're going to be talking about starting a business.
00:42Yes, we are.
00:43Love it. So what do you have?
00:45So I have this dream of I really want to start like a cat cafe, like a cattery.
00:53My kind of business. I would do it.
00:56Yeah, and I don't really know like, give or see, I don't really know how to go about it.
01:02But that's one thing.
01:03And secondly, with every business, I suppose, there's a financial risk.
01:10I know that the last episode that we did together was literally talking about financial risk, especially when it comes to investments.
01:16And we were talking about investing into like stocks and stuff like that.
01:19But this is in a way, it's an investment of sort.
01:23It is.
01:24In starting this business, are you planning on doing it like full time?
01:27So quit your job and then focus fully on it?
01:29Or do you think of it more like a part time kind of thing?
01:33I mean, ideally, you want to go full time and just focus on it.
01:36But like with me, I've always been told, like, if I wanted to start a business, I just keep it like on the side first.
01:47So I would sustain a full time job.
01:50Yep.
01:50And just in case anything happens to that business, at least I have like a steady income and everything.
01:58Right.
01:58Yeah.
01:58Yeah.
01:58I think that kind of makes sense.
01:59And I think a lot of young people feel that way.
02:01Okay.
02:01Okay.
02:01How old are you?
02:02I'm 28.
02:0328.
02:03Okay.
02:04So first of all, I think starting a business at this age is perfect.
02:09Perfect.
02:10Yeah.
02:10Yeah.
02:10Yeah.
02:11Yeah.
02:11So I'm kind of like, I have my own business as well.
02:14Right.
02:14And I did go full time, I think a year and a half ago.
02:17Oh.
02:18Congratulations.
02:18Yeah.
02:19Congratulations.
02:20Right.
02:20Yeah.
02:20It's really good.
02:21So, okay.
02:22The reason that I say this, so there is this school of thought, which I think is correct.
02:26But basically, people say that if you want to take risks, you should do it when you're young.
02:31I think the best time to take risks is when you're young.
02:33And a lot of young people don't take enough risks.
02:36Okay.
02:36Not just with a business, but in everything.
02:38I feel like you told me this before.
02:39Yeah.
02:39Oh, did I?
02:40In the last episode.
02:41Yeah.
02:41Yeah.
02:41It paid off.
02:42Yeah.
02:43It paid off so far, right?
02:45Yeah.
02:45Yeah.
02:45So the reason they say that young people should take risks is because we have a lot more time
02:49to recover if it doesn't go well.
02:51All right.
02:52So let's say, for example, you start a business now.
02:56If things don't go well in three years time, I mean, you'll be 31.
02:58Right.
02:59I mean, it's not the end of the world.
03:00It's not the end of the world.
03:01You still have a lot more time to retirement.
03:03Whereas if you wanted to start a business when you're 40, when you have a family, when
03:07you have kids, when your commitments are a lot higher, the risk is just so much higher
03:10because if you fail, it's not just you.
03:13There's a lot of people who rely on.
03:13It's like a don't know effect.
03:15Exactly.
03:15Exactly.
03:15It's not, I'm not saying it's not possible.
03:17There are a lot of people who are doing it at a later age.
03:19It's just that I feel like it's a high risk.
03:20I don't know if you kind of see that way as well.
03:23I think it makes sense to take all of these risks early on in life.
03:27So if you fail, you can either try again or just recover.
03:30Yeah.
03:30Right.
03:31I mean, like maybe it's because I'm less of a gung-ho person.
03:34I see where you're coming from.
03:36I feel like there are, I mean, honestly, like even when I was in university, I had so many
03:42like mostly guys around me just sort of starting their own like clothing brand.
03:48And I'm sure like when, I mean, yeah, I feel like we know a lot of people who try to start
03:54their own clothing brands and like, like I wish I had that gung-ho attitude, but at
04:00the same time, like I do scratch my head and be like, yo, like, what are you doing?
04:06How are you starting this?
04:07How are you just going in and like sort of going in blind almost?
04:12Yeah, yeah.
04:13Because it seems like for me, it feels like a clothing brand, a clothing business is like
04:21kind of like a gateway into business.
04:23I feel like so many people start with that.
04:25Yeah.
04:25But at the same time, probably like out of all those guys I know, maybe like 60% or like
04:3470% of them failed or just got bored.
04:37That's not bad though.
04:38I think 30, 40% success rate is very high.
04:40Yeah.
04:41Yeah.
04:41It's actually not bad.
04:42Yeah.
04:42I, and, and I guess the difference between those two like sets of people, I suppose, is
04:48that the ones who are still doing it today are just consistent and they were really smart
04:55about it right from the get-go.
04:57So they had like a whole plan in place.
04:59Yeah.
05:00With that, I mean, they've considered their, the whole business plan, like the financial
05:05risks, and they've just made good decisions, decisions along the way, I suppose.
05:09Yep.
05:10And they were also, I guess they were just more long-term minded.
05:16Yeah.
05:17Whereas the ones who stopped.
05:20It was more of an impulse decision.
05:21Yeah.
05:21It was more of like an impulse decision of like, yay, a friend of mine is like making
05:25like a clothing brand, like, yeah, I would never want you now.
05:28Yeah, yeah, yeah.
05:29Because like, you know, it's like cool or whatever.
05:31And then it's so funny.
05:32Like I used to be, what's it?
05:35I mean, I used to listen to them, you know, talk and talk and talk about their clothing
05:38brands and like, they'd be like, yeah, the concept of this and the concept of that.
05:41I'm like, no, no, no, no.
05:42I don't care about your concept.
05:44How are you, how are you planning to actually like sustain this?
05:49Yeah.
05:49Yeah.
05:49Like it's not supposed to be here.
05:51I mean, with any business, like I should, I mean, you should hope that like, it's not
05:55around just for like a year or two.
05:56Yeah.
05:56You got to take things seriously, basically.
05:58Exactly.
05:59So, um, I feel like a lot of young, young people.
06:02Yeah, for sure.
06:03For sure.
06:03But okay.
06:03But let's just get it out of the way.
06:05Do you agree that take risks?
06:07It's better to do it now than later on in life, basically.
06:09Now is as good a time as any for us to take risks like this.
06:12Yeah.
06:13Yeah.
06:13A lot better, right?
06:14Okay.
06:14Yeah.
06:14So when it comes to starting business or how I did it initially as well, was that
06:19I did it part-time alongside a full-time job, but it's because what I was doing gave me
06:25enough time to balance both.
06:27Right.
06:27I know in some instances, like a full-time business would really require a lot of time
06:31that you might have to quit your full-time job to do that.
06:34Yeah.
06:35So that is a bit tricky.
06:36So this one will really just depend on you, whether you're willing to take that risk
06:39or not.
06:39So I prefer very low capital businesses, which means I don't need a big upfront investment.
06:45Oh, you're right.
06:46Yeah.
06:46So very capital-like.
06:47Just try it out and see if it works.
06:49And then I go from there.
06:50I guess a cat cafe would be considered a bit high capital.
06:53But having said that, I think the thing is, I think you have to do something that you
06:57enjoy.
06:58I really think that in business, of course, there's an approach where I just want to
07:01maximize opportunities.
07:03I don't care about this business, but I know it can make me money.
07:05You can go that route.
07:06But if you want to do something that you enjoy, if you're planning long-term, that you
07:09need to be something that you're really interested in.
07:10And I assume you like cats, right?
07:11Otherwise, and you like cafes.
07:13So let's just put that together.
07:15Yeah.
07:16But so how I prepared to go from someone that's doing it part-time to someone that's doing
07:21it full-time is one, you need money.
07:23So you need a financial safety net.
07:26Even though I say, yeah, gung-ho, let's go take risks now.
07:28If it fails, it's fine.
07:29But we need a sense of security.
07:31And the sense of security comes from having money, right?
07:35So before I quit, I build up savings of two years worth of my expenses.
07:39Ooh.
07:40Yeah.
07:40That's actually a lot more than I thought.
07:42Yeah.
07:42I wanted to play extremely safe.
07:44So I sound gung-ho.
07:45Yeah, I sound gung-ho.
07:46And then at home in my office, I'm like super conservative.
07:51Yeah.
07:51But the reason I did that was because, so I did two years worth of expenses, assuming
07:56I made zero profit at all, right?
07:59So I could survive for two years.
08:00It'll be fine for me.
08:01Right.
08:01The reason I gave myself two years is because I wanted to maximize the chances I had to
08:05succeed.
08:06I felt like if I gave it only six months, I might not have enough time to see it take
08:11off.
08:11Yeah, of course.
08:11And I don't want to have to throw in the towel just because I don't have enough money
08:15to continue when maybe I'm starting to see traction, right?
08:18So I prefer to take more time to save up that money.
08:21And then when I go for it, I really go for it.
08:23And I know that two years, everything will be fine.
08:26So that gave me a lot of peace of mind, gave me a lot more confidence in starting this
08:30business.
08:30And I think very importantly, it helps you stick with your principles as well.
08:35So for example, for me, I create content, right?
08:37If I really needed cash, there are a lot of people who are asking me to promote like
08:42Forex trading, crypto stuff and so on.
08:45But I'm not really into that because it kind of scammed me to promote Forex and crypto
08:49and stuff.
08:50Yeah.
08:50So, but because I have that savings, I could say no to those.
08:54I'll wait for better ones.
08:55Things I really believe in.
08:56Whereas, you know, someone who needs the cash, they kind of have to do what they want.
09:00I'm sorry.
09:00They have to do what they need to do just to get cash.
09:03It sounds like you had different avenues to save up for that two years.
09:07Yeah.
09:08So because I did it part-time first.
09:10Yeah.
09:10Yeah.
09:10So I was living off my full-time job, full-time job salary and everything that I tried to
09:15save it as much as I could.
09:16Right.
09:17Yeah.
09:17And I thought, and I thought that was extremely important.
09:19I really think that you need to have this safety net.
09:23Some people can do it gung-ho, like complete gung-ho.
09:26Like if this doesn't work out next month, I'm going to be eating cucumbers every day for
09:31lunch.
09:32Yeah.
09:32No, it couldn't be me.
09:33Yeah.
09:33I can't do that.
09:34I can't do that.
09:34Yeah.
09:35I won't be able to focus my business anyway.
09:37Yeah.
09:37So that's one thing that's very important.
09:38And then I also had that business plan.
09:40So like you were saying, I realized that it's not really worth spending so much time
09:45thinking about, you know, five-year, 10-year plans, just because to me, I think it's very
09:48far away.
09:49Yeah.
09:49But at least you need to know in the next three to six months, this is where, like, for
09:53example, in your cat cafe, this is where I think has very high potential.
09:57This is what I'm going to charge.
09:58I'm going to estimate how many people are going to come and I'm going to have a rough estimate
10:01of my revenues, my expenses and stuff, projections.
10:05So I think all these things need to be prepared ahead of time.
10:07To me, I do it just to prove to myself that I'm willing to put in the effort, like doing
10:13all of these, like, tedious stuff before I actually take the leap.
10:17Yeah.
10:17So that's something that I did as well.
10:19Yeah.
10:19I mean, speaking of leap, like, so you said that you went full-time into your then part-time
10:26business.
10:28Yep.
10:28Yep.
10:29And it's been, it's been like a year and a half?
10:31Nearly two years, actually.
10:32How did you, I guess, how did you figure out, like, okay, now's the time for me to step away
10:38from that full-time job that you had and, like, I can go full-time on this business now?
10:43Okay.
10:43So the funny thing is, I actually wanted to do it for a while, but I was just dreaming
10:48about it.
10:48It was more a dream, like, you know, one day I'm going to go full-time.
10:52One day I'm going to go full-time.
10:53Um, and then in 2023, uh, I suddenly had a realization that I just keep saying that
11:02one day I'm going to do it, but when is that day going to come?
11:05And then I was considering, you know, 30 years down the line when I'm six years old, um, what
11:11would I regret more?
11:12Would I regret quitting my job and trying this out or would I regret not trying at all?
11:17And of course the answer, I mean, when you think about it that way, the answer will always
11:20be you regret not trying, right?
11:22So I thought about this and I thought, if I don't try it now and then I get married,
11:27I get kids and I can never get this chance to do it, I will really regret it.
11:31I get into a midlife crisis, I'll buy a bike and I'll, uh, you know, start riding everywhere.
11:35So I, I didn't want that midlife crisis.
11:38So I decided, you know, I have to take the leap now.
11:41I'm ready.
11:41Everything is ready.
11:42Like I have the cash.
11:43I have the savings.
11:44Literally the only thing stopping me was just being afraid to take the leap, basically.
11:48Yeah.
11:49Exactly.
11:49Yeah.
11:49Which is something that I feel like I can really relate to.
11:52Cause I mean, this is some, this is a conversation that like I have with my parents quite often.
11:57Like my mom will always be like, don't you want to start your own business?
11:59And the only thing that I have to say really is I'm actually just scared of like taking that leap.
12:08Yeah.
12:08And I think also leading like a business because like at the end of the day, having your own business means you answer to yourself,
12:16which like is great in some senses, but then that means that you're responsible for everything.
12:21Exactly.
12:22Exactly.
12:22If you're taking financial risks, those are your financial risks, right?
12:26There isn't financial risks attached to like other people.
12:30Exactly.
12:31Usually you, you shoulder, you, you, you have to bear it.
12:35Exactly.
12:35And you can't blame anyone, right?
12:37Yeah.
12:37In a normal company, you're working a job, you know, like, oh, it's because this person is slow.
12:40It's because that person is slow.
12:41And if things don't work out, I mean, on the 28th, my salary is going to come into my bank account.
12:46Doesn't matter.
12:47Right.
12:47Doesn't matter.
12:47Whereas in a business, if you slack off, you don't get paid for the month.
12:51Yeah, exactly.
12:52Yeah.
12:52But I guess in terms of being ready for it, like being brave enough to take this leap.
12:59Yeah.
13:00I would say just having the savings and being prepared with a plan that pretty much gave me enough confidence to do it.
13:05But I also have a lot of belief in myself.
13:07I also have that whatever it is, I'll figure it out.
13:10I mean, you got to have that level of confidence.
13:12You do.
13:13It's not being like big headed or anything, but you have to believe in like your own ability, right?
13:18Yeah, exactly.
13:19To carry it.
13:20Exactly.
13:21Yeah.
13:21So it's actually two sides to it.
13:23It's not just the confidence knowing that the business will work.
13:26It's the confidence in yourself knowing that even if it doesn't work, I think I can get another job.
13:30I'll just go back to corporate life.
13:32Yeah.
13:32And I think I'll be fine.
13:34Yeah.
13:34That's not what you want to do.
13:35No, it's not what I want to do.
13:36Yeah, exactly.
13:37It's like you put, I'm sure you put in so much time and like effort into like starting
13:40the business.
13:41Yeah.
13:41So once you've, it's like your baby, right?
13:44You don't want to just like, oh, you know what?
13:46Like, let's just like let it burn.
13:48Yeah.
13:48And go back to like the way things work.
13:50Exactly.
13:50Exactly.
13:50Yeah.
13:51But I guess speaking about your conversation with your mom as well, I wouldn't start a
13:54business just for the sake of starting a business.
13:56I guess like you were talking about with your, like, you know, your friends that you
13:59had in uni.
14:00Starting a business just because other people have one as well?
14:02Or just because your mom told you to?
14:03I think.
14:04Yeah, exactly.
14:04I think that's like, I think, I think that's like a culture thing or maybe it's, I don't
14:08know, it's just something that's just like perpetuated in our society.
14:12Like the most people would, would, I guess, aim to, to start a business and sort of be
14:19like free from like the clutches of having like, of having an employer.
14:22Yeah.
14:23But I mean, there are some people as well who are comfortable, you know, working as
14:28an employee in like a company, stuff like that.
14:32And I mean, sometimes I debate that as well.
14:35Like, do I have the qualities?
14:38Like, do I have, do I basically have like what it takes to actually start a business?
14:41Right.
14:41Okay.
14:42There are some people who are just like not ready for it.
14:44And that's what, that's also maybe another reason why I don't necessarily feel ready.
14:47Okay.
14:47Maybe there are things to learn.
14:49Yeah.
14:49Maybe in terms of like, I know this is like straying a little bit from like finances and
14:53stuff like that, but it does feed in because like, um, you don't really like, there are
14:57some people who just have those leadership qualities and like who are just able to, um,
15:03uh, to shoulder that, you know, responsibility and stuff, right?
15:07Yep.
15:07But then like, you know, all of that, right from the get go.
15:10But like, there are some people like myself who I feel like, I feel you can do it.
15:14I mean, I hope that I can do it.
15:16I feel like maybe I have, I still have like space to grow and like space to learn.
15:23Um, so it's not something that like, I want to just like willy nilly just like start.
15:28Try for the sake of it, right?
15:29Yeah.
15:29Yeah.
15:30I don't want to like buy 10 cats tomorrow for my cat cafe.
15:34I'll be your first customer door.
15:36I know you will be.
15:37I know you will be.
15:38You have children of your own, right?
15:39Yeah.
15:40I also have children of my own.
15:41Yeah.
15:41We mean cats, not actual human.
15:44Yeah.
15:44Um, so yeah, so I guess like, um, one of my like last few questions is that now that
15:49you've gone full time with like your business, um, what are like the financial, the biggest
15:56like financial responsibilities that you feel like you have to shoulder?
16:00Like what's like the biggest like headache or like, what's the biggest like maybe like
16:05problem or something that poses as a problem.
16:07Okay.
16:07Okay.
16:07Something to worry about.
16:08Yeah.
16:08Good question.
16:09But I think, uh, earlier you said this trades a bit away from financial, but I think this
16:13is actually a big part of personal finance to me because personal finance to me, the foundation
16:19of everything is your income and starting a business will really, it can give you the
16:24potential of really upping your income, which at this stage of our lives will do much more
16:29for us compared to trying to save more or trying to invest more.
16:32Seriously, income is the biggest thing.
16:34And, uh, I mean, compared to a corporate job, if you make it in your business, you can
16:37really stand to in the lot.
16:38Right.
16:39Um, uh, with regards to my finances right now.
16:42Uh, so one thing is that early on when my business was still trying, I was still trying
16:47to get it off the ground and stuff.
16:48I wasn't earning enough to cover my monthly costs.
16:51That was stressful for me.
16:52So I had my savings for two years, right?
16:55Even though I had zero income, but every time I drew down from my savings, I felt stressed.
17:00Yeah, yeah, yeah, yeah, yeah, yeah, yeah.
17:03So I, I don't put it all into one bank account, obviously.
17:05So I have like a spending account.
17:07Everything else is somewhere else.
17:08So everything, every time I have to withdraw a bit from ASB and move it to my bank account.
17:12I'm like, oh, and it's so stressful.
17:15I'm like, oh my God, can I really survive for two years?
17:16Is everything really going to be okay?
17:19Um, and you know, I mean, obviously I have the money so that I just checked into my bank
17:23account.
17:23It's like, okay, everything's fine.
17:24But I had a lot of this stress when the money is not rolling in initially.
17:27So I think this is more an expectations thing.
17:29I guess I thought right off the bat, I could earn enough to cover my expenses, but it's going
17:34to be more realistic with it.
17:36Again, as long as you're prepared and you know that you have everything ready, then you should
17:40be fine.
17:41That's one thing.
17:42Um, nowadays with my business, I guess it's not too stressful.
17:46I would say, I would say this decision of mine to start my business, um, probably top
17:52three best decisions I've ever made in my life.
17:54Maybe even top one.
17:55Yeah.
17:55Maybe even top one.
17:56Yeah.
17:56Because, like I said, income wise, it's just crazy.
18:00The difference, the difference, um, compared to if I were to continue working corporate,
18:05it would take me easily, I would say another 10, maybe 15 years to get to the level I'm
18:10earning right now.
18:10Wow.
18:11Yeah.
18:11Yeah.
18:12Yeah.
18:12So that's why I think, uh, taking risks, starting businesses, it is to me an essential part of
18:17personal finance.
18:18I think everyone should consider it if they're ready, you know, and if they have something
18:22in line.
18:23Yeah.
18:24And I guess to like close things off, I literally just have like one last question, which is,
18:29um, I guess like, what would you, what would you say to someone who's passionate about starting
18:35their business, but doesn't really know like where to start?
18:38Like what's the first step that they need to take?
18:41Okay.
18:42Um, I would always start with a business plan.
18:45So I think, um, you need to, yeah, you need to have a rough gauge of, you know, what is
18:51your selling point?
18:51Like, how are you going to differentiate yourself from competitors?
18:55Why would people come to your business?
18:56And then, like I said, I will always do projections of, you know, how much money do I need to sustain
19:01this business?
19:01Can I earn this money through revenue?
19:03How much do I need to price things?
19:05All these things, at least the basics you would need.
19:07Um, and then the capital, I think that's, that's pretty much all you need to do.
19:12One thing I would say for people like you is, okay, I would say one, don't rush into
19:16businesses.
19:17That's general advice.
19:18But for people like you, I would say, don't overthink it.
19:21I think you're a bit, yeah, yeah.
19:22You're a bit like, oh no, am I ready?
19:24Oh, I don't, I don't know if I have the leadership qualities.
19:26I don't know if I have this.
19:28Um, the truth is you will never be ready.
19:30You will never be 100% ready to take the leap and start this business, right?
19:35If you feel more comfortable doing it alongside a full-time job, then by all means, try it.
19:39I did it as well.
19:40It would mean that you have to sacrifice time doing other things, of course, because you have
19:44your main job, you have this, so you have, it's tiring, you have to sacrifice some time
19:49doing other things, right?
19:50Uh, so you got to decide if that's something worth to you, but yeah, don't, don't overthink
19:54it.
19:54I think a lot of people, even when it comes to investments, right?
19:57They overthink it like, oh, I need to make sure I read up on everything.
19:59I need to make sure I understand every single thing about my investment.
20:03Then I'm going to put 10 ringgit and try and then, and then I'll wait and see.
20:06Yeah.
20:06So on one hand, don't go so gung-ho that you're just doing it for the sake of doing it without
20:11being ready.
20:12But on the other hand, don't wait for the perfect moment because there will not be the perfect
20:17time to do it lah.
20:18Yeah.
20:18You know?
20:18That's actually true, guys, because after the last episode that we did together.
20:22You're investing.
20:23I actually am an investor officially.
20:26So in two months time, we can expect Yasmin's Cat Cafe to be ready.
20:30I can imagine.
20:32Oh my God.
20:32Will you come?
20:33Of course.
20:34Of course.
20:35Brilliant.
20:35Righty.
20:36Okay, cool.
20:37So I guess to sum it all up, number one, you need money.
20:41Money makes the world go around.
20:42You need money just to start your business, any capital needs that you have, and then to
20:45sustain yourself if you wanted to quit your job, right?
20:48To take this leap.
20:48And then just make sure that you're ready.
20:50Make sure you have your business plans.
20:52Make sure you know where you're going to earn money from.
20:54Make sure you have all your budgets set in stone before you get there.
20:57And then finally, it's never going to be the perfect time.
21:00There will never be the perfect time.
21:01And you just have to, once everything, like, you know, you've checked everything off,
21:05just take the leap and go for it.
21:07Just try it.
21:08And of course, final thing, sorry.
21:10There's a fourth one.
21:11The best time to take risks is when you're young.
21:13Yeah.
21:13Don't delay it.
21:14Don't think, you know, I need to be 40, 45 years old, financially stable.
21:18Then I started.
21:18The best time to take risks is when you're young because it can really pay off.
21:22Yeah.
21:22And there's a lot more time for us to recover if things don't work out.
21:25Alrighty.
21:26Okay.
21:26Cool.
21:27Yeah.
21:27Maybe, yeah, maybe next year.
21:29We'll see.
21:30All right.
21:30Thanks so much, Yasmin.
21:31Nice talking to you.
21:32If you guys are interested, maybe in two, three months time, there'll be Yasmin's Cat's Cafe.
21:36That's right.
21:38All right.
21:39See you guys in the next one.
21:40See you guys in the next one.
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