The Struggle is Real with Justin Peters
Student Loan Forbearance is Ending Soon…Here is How to Decide on a Repayment Strategy | E50 Andrew Paulson

Student Loan Forbearance is Ending Soon…Here is How to Decide on a Repayment Strategy | E50 Andrew Paulson

December 6, 2021

For many of us, student loans are a huge financial burden throughout our 20s and well into our 30s. Student loans can be hard to keep up with because payments can be the same amount as mortgages.

But unlike mortgages, I’m guessing you didn’t spend too much time understanding this debt before agreeing to it. I know that was the case for me. I went through all of college without understanding the difference between subsidized and unsubsidized loans.

In college, it was easy to forget about how we were financing our current stage of life but now we are left holding the bag. Although student loans can be complex, deciding on a repayment strategy doesn’t need to be. There are a couple of key questions to ask yourself to put you down the right path. We will explore those questions and more on today’s episode.

Joining me is Andrew Paulson. Andrew is a Student Loan Consultant and Co-Founder of StudentLoanAdvice.com. He has a passion for helping people find solutions to complex financial problems.

In this episode, Andrew and I get straight into it. We start with the basics - what are the key pieces of information you need to know before deciding on a repayment strategy. Then we discuss repayment plans options, qualifying for student loan forgiveness, and balancing student loans with your other financial goals.

 

Show Notes:

[3:20] Where to start if you are overwhelmed about student loans 

[7:21] What is currently going on with federal student loans?

[16:09] How Andrew began advising on student loan repayment

[19:06] 4 questions to answer to decide a repayment strategy

[26:39] How to pursue student loan forgiveness

[33:36] What is refinance and who should consider it?

[41:48] Balancing repaying student loans with your other financial goals

 

More of Andrew:

www.studentloanadvice.com/SIR

Instagram: @studentloanadvice 

Andrew’s LinkedIn

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

The Damaging Consequences of Loneliness and What You Can Do About It | E49 Michael Bauman

The Damaging Consequences of Loneliness and What You Can Do About It | E49 Michael Bauman

November 22, 2021

In this extraordinary era of pandemic isolation, it makes sense that people are feeling more alone than ever. Although stay-at-home orders and social distancing exacerbated loneliness, this trend started way before Corona took on a whole new meaning.

 

This rise of loneliness has caught the interest of many health professionals and is now being labeled as the new smoking. Cited as being as lethal as smoking 15 cigarettes a day, that has me wondering what’s changed and more importantly, what can we do about it?

 

Sharing his insight today is Michael Bauman, who is a Loneliness Entrepreneur Coach and Host of the Success Engineering podcast. Michael uses his knowledge of the neuroscience around loneliness and social connection, along with his personal experience feeling isolated as a business owner, to help entrepreneurs feel like they are not alone.

 

In this episode, Michael shares why social connection is biologically so important, the factors that have led to the  increase in feeling isolated, and actions we can take to begin overcoming loneliness.

 

Show Notes:

[2:03] What is loneliness and how has it changed over the last 35 years

[12:12] Use internal and external actions to overcome loneliness

[17:00] What could be changed about Maslow’s hierarchy of needs 

[23:08] The rise of individualism coincides with loneliness in the US

[27:21] How Michael sees loneliness in the different countries he has lived

[32:52] Raising kids with the balance of performance and play

 

More of Michael:

Success Engineering

 

Mentions:

The Danish Way of Parenting: What the Happiest People in the World Know About Raising Confident, Capable Kids by Jessica Joelle Alexander

Dr. Dan Siegel: https://drdansiegel.com/

Start with Why by Simon Sinek

Tiny Habits: The Small Changes That Change Everything by BJ Fogg

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

How I Compare a New Job Opportunity Against My Current | E48 Justin Peters

How I Compare a New Job Opportunity Against My Current | E48 Justin Peters

November 8, 2021

With the demand for help, and lack of candidates, many employers have turned to outbound recruiting. Many of my friends tell me they have been contacted by recruiters, former employers, and even a random encounter. Some don’t budge. Others have jumped at a new chance.

 

Either decision could be right. Let’s discuss vetting a job opportunity.

 

Today I’ll share my process for qualifying, evaluating, and deciding on job opportunities. By listening, you’ll hear me discuss:

 

Uncovering job, team, and organizational fit during the interview process

Calculating your total compensation for equal comparison

2 other important factors before making your decision

2 negotiation mistakes

best practices for accepting and rejecting an offer

 

Show Notes:

[3:06] How to uncover job, team, and organizational fit during the interview process

[10:54] Should I move forward with seeing a job offer?

[13:28] Calculate your total compensation for equal comparison

[15:03] Two other factors to consider: professional development and quality of life

[16:39] Don’t make these 2 negotiation mistakes

[19:02] Best practices for accepting and rejecting an offer

 

Mentions:

Instructions for leaving a review: justinpeters.co/support

Alexandra Dickinson: justinpeters.co/E7

Mark Herschberg: The Career Toolkit

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: @justinleepeters

Financial Therapist on Attachment Theory, Salary Differences, and Creating Financial Intimacy | E47 Ed Coambs

Financial Therapist on Attachment Theory, Salary Differences, and Creating Financial Intimacy | E47 Ed Coambs

October 25, 2021

Nothing kills the mood like discussing money issues but as much as we don’t want it to be a reality, money is a significant aspect of relationships. If a couple isn’t on the same page financially, you can almost guarantee a bumpy road ahead. There are countless studies that demonstrate money related issues being a major source of divorce and most of these issues aren’t tactical differences, they’re rooted in emotions.

 

This conversation today is about creating a common bond around money with your partner and there is no better person to join me in this discussion than my friend, Ed Coambs.

 

Ed is a financial therapist. He helps couples create collaborative conversation. His understanding of attachment theory, relational building, and financial planning gives him a unique skill set to serve couples looking to work towards financial intimacy.

 

Most of our conversation will center around his book, The Healthy Love & Money Way, which dives into the four attachment styles that impact your financial well-being.

 

Even if you aren’t in a committed relationship right now, this is a great conversation to help you understand how your childhood affected your relationship with money. At the end of this conversation we’ll also get into the juicy topic of what to do when there are salary differences in the relationship.

 

Show Notes:

[2:02] What stops couples from seeing eye to eye on personal finances?

[3:13] Attachment theory and the 4 styles of attachment

[11:44] How your attachment style will show up in your intimate relationship

[14:57] What secure parents do differently

[19:32] How Ed’s upbringing shaped his attachment style

[30:54] How understanding your partner's attachment style can help you anticipate their needs

[40:30] What to do when your partner makes significantly more money

 

Favorite Quotes:

[23:56] “But understanding people’s intentions and understanding my own needs, I was very unaware.”

[31:36] “The next important thing is to not weaponize it. We don’t want to make our partner bad for whatever attachment style they have. We want to stay in the space of empathy and compassion.”

[43:30] “There is no social status to being a client representative at Vanguard Mutual Funds.”

 

More of Ed:

www.healthyloveandmoney.com

Book: https://www.amazon.com/Healthy-Love-Money-Way-Attachment-ebook/dp/B097Z2S911

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

Networking Online and the Give Give Get Archetype | E46 J. Kelly Hoey

Networking Online and the Give Give Get Archetype | E46 J. Kelly Hoey

October 11, 2021

Today’s guest is the spunky J. Kelly Hoey, author of Build Your Dream Network: Forging Powerful Relationships In A Hyper-Connected World. Along with being an author, Kelly is a sought out speaker for her networking insights.

 

She also has some pretty cool accolades including:

-Forbes’ 1 of 5 Women Changing the World of VC/Entrepreneurship

-Business Insider’s 1 of the 100 Most Influential Tech Women On Twitter

-Inc.’s 1 of 10 Most Well-Connected People in New York City's Startup Scene

Crazy enough, Kelly started her career as a corporate lawyer from Toronto. She credits her network for the ability to transform her career but I’ll credit Kelly for the ability to learn such an essential professional superpower so early on.

In this episode, we get into her journey on how she began to learn network-building skills. You’ll also learn why networking online isn’t much different than networking in real life, 3 areas to focus on if you want to network better, and why the Give Give Get archetype is an ideal way to approach networking.

Show Notes:

[10:55] How to network in the online world

[24:08] How to stay connected with people

[26:34] Give Give Get archetype

[36:24] 3 areas to focus on to network better

[42:01] A better way to get your answer

[46:01] Kelly’s invitation to the PGA championship is a lesson in networking

 

Favorite Quotes:

[9:40] “That activity, that verb of networking, sits within a noun which is your network. And the important thing is having that network there that is responsive.”

[12:17] “Treat those digital spaces as physical spaces.”

[31:02] “More senior people like me, why are we reaching back down to help? Because someone did it for us.”

[44:55] “In networking you are looking for answers, you just need to ask better questions.”

 

More of Kelly:

Book: Build Your Dream Network: Forging Powerful Relationships in a Hyper-Connected World

Website: www.jkellyhoey.co

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

Apple Podcast: https://podcasts.apple.com/us/podcast/the-sandbox-with-justin-peters/id1496701179?fbclid=IwAR26mTFgNRnMCdJjzA4FHTT6MvLKkuqGbx3rWm7J7UBM8ERVIiIV1Baj0IY

Spotify: https://open.spotify.com/show/701hEq4AKxseYuY79xjpSJ

How to Ask for More One-On-One Time and Make It Easy for Your Manager to Say Yes | E45 (Bonus) Kyle & Justin

How to Ask for More One-On-One Time and Make It Easy for Your Manager to Say Yes | E45 (Bonus) Kyle & Justin

October 10, 2021

Surprise episode! My little brother, Kyle Peters, joins me on the podcast to discuss his favorite takeaway from E44: one-on-one meetings.

 

We discussed why one-on-one meetings could serve you at work. We’ll outline our one-on-one meeting structure. Finally, Kyle shares how he asked for more one-on-one time and made it easy for his manager to say yes.

 

Show Notes:

[2:05] Why one-on-one meetings was Kyle’s favorite takeaway from E44

[3:59] Universal reasons one-on-one conversations are important

[11:49] Kyle and Justin’s one-on-one meeting structure with their managers

[17:34] How Kyle asked for more one-on-one time and made it easy for his manager to say yes

[22:25] Kyle’s early success having one-on-one meetings with his team members

 

Mentions:

Kyle’s original podcast episode: www.justinpeters.co/E2

Ben Brearley: www.justinpeters.co/E44

 

More of Kyle:

Instagram: @kylepeters9610

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

How to Gain Leadership Experience as a Junior Employee, Being Liked vs Being Respected, and Better 1 on 1 Meetings | E44 Ben Brearley

How to Gain Leadership Experience as a Junior Employee, Being Liked vs Being Respected, and Better 1 on 1 Meetings | E44 Ben Brearley

September 26, 2021

Ben Brearley has been leading people for over 15 years. He saw the struggle managers had with the balancing act of leadership. Ben started writing articles to serve those who aspired to be an attentive and considerate manager. At the time, Ben didn’t realize this would change the trajectory of his career.

 

These posts turned into the Thoughtful Leader blog where Ben has been sharing leadership content for over 5 years. He started a podcast under the same name and also serves as a coach for leaders across the world that want to make work better.

 

This is a great episode if you are a new manager or hoping to someday be leading a team of your own. We discuss how to gain leadership experience as a junior employee, debate being liked vs being respected as a leader, and discuss how to have better 1 on 1 meetings.

 

Show Notes:

[1:37] The right and wrong reasons for wanting to become a manager

[13:30] What executives are looking for in emerging leaders

[17:41] The glass ceiling in Australia

[21:05] Being liked vs being respected as a leader

[29:03] The importance of recurring 1 on 1 meetings

[41:06] What you can learn as a leader from the self-fulfilling prophecy

 

Favorite Quotes:

[11:38] “But I think employees need to know they should ask if they want an opportunity to lead and to take on leadership opportunities.”

[31:29] “The real thing about leadership is developing people so they can do something better.”

 

Mentions:

Episode with Mason Burchette (E30) - www.justinpeters.co/E30

 

More of Ben:

www.thoughtfulleader.com

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

Apple Podcast: https://podcasts.apple.com/us/podcast/the-sandbox-with-justin-peters/id1496701179?fbclid=IwAR26mTFgNRnMCdJjzA4FHTT6MvLKkuqGbx3rWm7J7UBM8ERVIiIV1Baj0IY

Spotify: https://open.spotify.com/show/701hEq4AKxseYuY79xjpSJ

First Date Tips, Feeling Complete on Your Own, and Exploring Sobriety | E43 Cara Hays

First Date Tips, Feeling Complete on Your Own, and Exploring Sobriety | E43 Cara Hays

September 13, 2021

After college, Cara Hays found herself battling with two identities. Her future self that prioritized her values and her past self that continued to distract with bad habits.

 

One day Cara decided it was time to look forward without looking back and she made a commitment with herself to accelerate that decision.

 

For the next 6 months, Cara decided to say no to drinking and dating. Two areas where she knew a hard stop would give her clarity. On top of that, each month she’d focus on another area of her life that needed attention.

 

At the time, this commitment didn’t have a name but it became known as 6 Months of Me and this time period fundamentally changed the perception Cara had of herself.

 

I can’t wait for you to hear more of her story. We get into a lot of fun details like why Cara started a single girl bucket list, first date tips that I think are genius, and Cara’s exploration on being “sober curious.”

 

Show Notes:

[2:38] Cara’s relationship with her younger self

[12:30] How Cara’s first 6 Months of Me lead to self-love

[16:22] Single girl bucket list

[21:33] How to stay motivated while dating

[23:53] First Date Tips & Parameters

[29:32] Dating Apps

[34:37] How to know when it is the right time to start dating again

[39:01] Cara’s decision to go from “the shot girl” to sober curious

 

Favorite Quotes:

[22:53] “I definitely got down on myself but I was so proud that I wasn’t falling back into a relationship that wasn’t right for me.”

[0:00] “I believe you have to learn how to love yourself and be alone before you can ask someone to love you.”

[47:54] “There were times I went to parties and I didn’t know what to do because I was sober.”

[55:15] “You either find love or you find a lesson.”

 

More of Cara:

www.carahays.com

Instagram: @carahays

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

Apple Podcast: https://podcasts.apple.com/us/podcast/the-sandbox-with-justin-peters/id1496701179?fbclid=IwAR26mTFgNRnMCdJjzA4FHTT6MvLKkuqGbx3rWm7J7UBM8ERVIiIV1Baj0IY

Spotify: https://open.spotify.com/show/701hEq4AKxseYuY79xjpSJ

Master Trainer on How to Overcome Your Gym Anxiety and Start Your Fitness Journey | E42 Kawan Karadaghi

Master Trainer on How to Overcome Your Gym Anxiety and Start Your Fitness Journey | E42 Kawan Karadaghi

August 29, 2021

Many of us go through quite the physical transformation in our 20’s. Our metabolism slows down and we can no longer eat junk food for every meal. When we get older, we have to be more intentional about our fitness routines.

 

I invited Kawan Karadaghi onto the podcast to help with this. Kawan’s story will hopefully serve as inspiration for your own journey. Kawan was in his 20s, out of shape, and smoking a pack of cigarettes a day when he got a knock on his door from a friend asking if he wanted to go for a run.

 

That run didn’t turn out well. Kawan barely finished a mile, but that run served as the entry point into Kawan’s fitness journey. He left smoking behind and got fit. He was in the gym so often that he decided to make a career out of it. He started as a personal trainer and quickly set his sights on earning the title of Master Personal Trainer. To do this, he logged over 2,250 hours of coaching in his first 18 months.

 

Kawan didn’t stop there though. He now owns and operates 3 gyms and started a podcast called ValueVerse where he talks about the stories of mastery, growth, and success.

 

From this conversation I hope you’ll gain inspiration for jump-starting your fitness journey, when to utilize your ego, and how to be less  intimidated when going to the gym.

 

Show Notes:

[2:02] How Kawan started down the path to fitness

[14:33] Kawan’s quest to become a Master Trainer

[25:20] Motivation Self-Determination Theory

[27:43] How to overcome the gym intimidation factor

[33:44] Why Kawan got into entrepreneurship

[42:25] Benching the ego

 

Favorite Quotes:

[7:53] “How do you know so much about fitness? I just read Men’s Health magazine every day.”

[21:59] “If you want to go in and change 50 things about yourself, it’s not going to work. You have to start with a small thing.”

[44:01] “Ego is one of the things that can drive you but it can also be a detriment.”

 

More of Kawan:

Website: www.valueverse.com

Instagram: @valueverse

Podcast: ValueVerse: Stories of life and work

 

References:

7 Habits of Highly Effective People by Stephen Covey

The Slight Edge: Turning Simple Disciplines into Massive Success and Happiness by Jeff Olson

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

Apple Podcast: https://podcasts.apple.com/us/podcast/the-sandbox-with-justin-peters/id1496701179?fbclid=IwAR26mTFgNRnMCdJjzA4FHTT6MvLKkuqGbx3rWm7J7UBM8ERVIiIV1Baj0IY

Spotify: https://open.spotify.com/show/701hEq4AKxseYuY79xjpSJ

Many of us go through quite the physical transformation in our 20’s. Our metabolism slows down and we can no longer eat junk food for every meal. When we get older, we have to be more intentional about our fitness routines.

 

I invited Kawan Karadaghi onto the podcast to help with this. Kawan’s story will hopefully serve as inspiration for your own journey. Kawan was in his 20s, out of shape, and smoking a pack of cigarettes a day when he got a knock on his door from a friend asking if he wanted to go for a run.

 

That run didn’t turn out well. Kawan barely finished a mile, but that run served as the entry point into Kawan’s fitness journey. He left smoking behind and got fit. He was in the gym so often that he decided to make a career out of it. He started as a personal trainer and quickly set his sights on earning the title of Master Personal Trainer. To do this, he logged over 2,250 hours of coaching in his first 18 months.

 

Kawan didn’t stop there though. He now owns and operates 3 gyms and started a podcast called ValueVerse where he talks about the stories of mastery, growth, and success.

 

From this conversation I hope you’ll gain inspiration for jump-starting your fitness journey, when to utilize your ego, and how to be less  intimidated when going to the gym.

 

Show Notes:

[2:02] How Kawan started down the path to fitness

[14:33] Kawan’s quest to become a Master Trainer

[25:20] Motivation Self-Determination Theory

[27:43] How to overcome the gym intimidation factor

[33:44] Why Kawan got into entrepreneurship

[42:25] Benching the ego

 

Favorite Quotes:

[7:53] “How do you know so much about fitness? I just read Men’s Health magazine every day.”

[21:59] “If you want to go in and change 50 things about yourself, it’s not going to work. You have to start with a small thing.”

[44:01] “Ego is one of the things that can drive you but it can also be a detriment.”

 

More of Kawan:

Website: www.valueverse.com

Instagram: @valueverse

Podcast: ValueVerse: Stories of life and work

 

References:

7 Habits of Highly Effective People by Stephen Covey

The Slight Edge: Turning Simple Disciplines into Massive Success and Happiness by Jeff Olson

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

Apple Podcast: https://podcasts.apple.com/us/podcast/the-sandbox-with-justin-peters/id1496701179?fbclid=IwAR26mTFgNRnMCdJjzA4FHTT6MvLKkuqGbx3rWm7J7UBM8ERVIiIV1Baj0IY

Spotify: https://open.spotify.com/show/701hEq4AKxseYuY79xjpSJ

Former Inmate on Believing in Yourself, Creating Your Comeback, and Proving Them Wrong | E41 Nate Dukes

Former Inmate on Believing in Yourself, Creating Your Comeback, and Proving Them Wrong | E41 Nate Dukes

August 16, 2021

Joining me on today’s podcast is Nate Dukes. Nate is an author, speaker, property investor, leader at his church, and serves on the board of a non-profit for underprivileged youth. Already an impressive resume for someone in their 30s.

 

But what is even more impressive is the journey Nate took to get here. After getting busted for stealing a car, Nate spent 6 months in a Tennessee jail. He was written off as a lost cause and told that he’d never change.

 

Nate decided to tear up that script by getting focused on what he wants and making the right choices. After changing his life, he shifted his mission to helping others do the same. To do this, Nate wrote and published his debut book, You’ll Never Change: Create Your Comeback and Prove Them Wrong.

 

In this conversation you’ll hear the story of how Nate went from successful business owner to innate to author. We’ll discuss how to find inspiration in unlikely places, how to surround yourself with the right people, and repairing the damage of your past.

 

Show Notes:

[1:50] How Nate’s childhood influenced the broken mindset he carried into his 20s

[21:30] Nate’s initial feelings when he found himself in jail

[26:50] Nate’s first interaction after being let out of jail

[31:35] Nate surprising inspiration for personal development

[33:53] Spending time with the right people

[38:53] Repairing the damage of your past

 

Favorite Quotes:

[4:29] “What feels good in the moment, isn’t always good for your future.”

[14:47] “The truth is, if I wanted to, I could always go back. I could always go back to living the way I was before. But I didn’t know what my life could look like if I committed one year and did whatever it takes.”

[29:52] “I’m smoking weed and listening to Tony Robbins at the same time.”

[35:12] “I was a super messy person at that time, but there were some people that were willing to get messy with me.”

[39:19] “Having the right voices in your life is going to help you make the right choices in your life.”

[43:34] “There are people that know a version of you that doesn’t exist anymore.”

 

More of Nate:

Book (Amazon): https://www.amazon.com/Youll-Never-Change-Create-comeback/dp/057888996X/ref=sr_1_2?crid=3UP25N90ZRNZ9&dchild=1&keywords=you%27ll+never+change+book+nate+dukes&qid=1628715127&sprefix=you%27ll+never+change%2Caps%2C1219&sr=8-2

www.youllneverchange.com

Pay it forward program: www.youllneverchange.com/payitforward

 

More of Justin & The Struggle is Real:

Show Notes: https://justinpeters.co/thestruggleisreal/

Instagram: https://www.instagram.com/justinleepeters/

YouTube: https://www.youtube.com/channel/UC0yHxQvHpSdx_gJiQJpVCIQ?view_as=subscriber

Apple Podcast: https://podcasts.apple.com/us/podcast/the-sandbox-with-justin-peters/id1496701179?fbclid=IwAR26mTFgNRnMCdJjzA4FHTT6MvLKkuqGbx3rWm7J7UBM8ERVIiIV1Baj0IY

Spotify: https://open.spotify.com/show/701hEq4AKxseYuY79xjpSJ

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