Roaming Returns

If you’re in the process of building a new portfolio or improving the one you already have, this episode is for you. Tim outlines what he considers to be the best evergreen stocks for everyone to start investing.Yes prices vary, but if you wait to pick up shares when a stock’s P/E is below its peers, you’ll hedge in a margin of safety. You'll pick 1 stock in each sector, working your way down the list. All the options and details are covered in this post. If you follow my suggested stock recommendations, your portfolio will look like this. JEPQ UTF PDI XOM ABR MAIN (but HTGC or ARCC works too)MO or MMMIf you disburse your money equally (14.3% of your total into each), your portfolio would yield about 10%. Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Is deciding which type of investing account to open holding you back? And what about the retirement options your employers has?It can get confusing pretty fast. You've got Retirement and Non Retirement Accounts; Traditionals and Roths; 401(k)s and IRAs. So today we’ll look at the important aspects of each type and why you should pick one over another. Our strategy to set you up for success goes like this. Step 1: Get at least $1,000 into a savings account that yields at least 4%. Come back later and boost this up to 3-6 months of bare bones living expenses. Sofi (get $25 if you sign up through our link and an extra $300 if you set up direct deposit) Worthy (get a free $10 bond if you sign up through our link) HYSA Step 2: Open a Roth IRA and commit to at least $100 a month. Unless your employer has a matching option, then contribute to their 401(k) only to their matching amount. Step 3: Open a non retirement brokerage account at a company that suits your needs. Then contribute monthly funds in an appropriate allocation to reach your goals. Example: If you plan to retire at 50 and have $400 per month to contribute, put $300 into your non retirement brokerage account and $100 into your Roth IRA every month. Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

There are so many investing resources available, but not all of them are worth your time or money. Since Tim's subscribed to many he can tell you exactly which ones to go with. And don’t worry, most of these are free so you can put your hard earned money into investments. If you're just starting out or don't want to be overwhelmed by info, Tim recommends these 2 resources first. Dividend ChannelContrarian OutlookStay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

It can be hard to decide which brokerage company to go with when there's so many choices. And when you're new to investing, you may not realize which features are important and which ones aren't. This episode breaks down the different things to look for in your brokerage company and what attributes you may need to consider or rule out contenders based on your needs. For us, research, tools, access to different investments and easy site navigation are the most impoartant things. But we do cover several others like which brokerages have a low cost of entry if you have very little money to invest. Our to 6 brokerage companies:Charles Schwab (TD Ameritrade is merging into them) - best brokerage for tools and research. Also has great robo advising and checking/debit services.Sofi - best one-stop shop for all things finance.Fidelity - best big brokerage with a great app. They have great robo advisory services and the most options for fractional shares.E-Trade - best brokerage for those who favor bonds and want access to leading expert articles about the markets.Robinhood - best small brokerage app. Vanguard - best brokerage for those who favor index funds.Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

We're in the middle of some major technology innovations that will change life as we know it. With each, there's opportunities that early adopters profit from.  Those who resist out of fear or a lack of understanding will have a much harder time catching up when they realize these technologies aren't just blips on the radar. Don't be one of the people who that misses what might be the biggest wealth building techs of our lifetime. Two cryptos Tim mentioned that have innovative prospects. GFTFILDon't put off investing in crypto until after the bull run. Sign up for Coinbase today. Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Everyone talks about dividend aristocrats but did you know there’s actually 5 other categories? The aristocrats only fall in the middle and have metrics that by definition make them trendy growth stocks, which isn't what we're looking for. The main thing to focus on with these dividend categories is how many years of dividend growth they need to get the title. When you invest in great stocks that consistently increase their dividends, you inherently reduce the risk of your investing portfolio.  Dividend Achievers have raised their dividends for at least 10 years plus other metrics (400 total).PFE BMYCTOEPDDividend Contenders have raised their dividends for at least 10 years (340 total).ABRNEPVZDividend Aristocrats have raised their dividends for at least 25 years plus other metrics  (68 total). OCVXLEGDividend Champions have raised their dividends for at least 25 years (150 total).MMMES ALBDividend Kings  have raised their dividends for at least 50 years (50 total):MMMMOADMStay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Ever wonder why some companies keep going up in price and others struggle? It boils down to a few things, one of them being their competitive advantage. Once a business has a hit product or service, everyone and their mom tries to copy them. But sometimes others can’t duplicate those wins for various reasons which is what they call a moat. Today we cover 7 different kinds of moats to give you an advantage when it comes to picking stocks. Stocks that have moats and are undervalued right now.MMMVZPFEMOPMBTIMany moat stocks don't pay a dividend because they're growth stocks, but you can invest in them in other ways like YieldMax™ ETFs or DOGG.  Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Most retirement plans were created based on individuals living 15 to 20 years into retirement, but people are starting to live much longer than that. This longevity risk has become such a problem that pensions are starting to change the way they payout and how much.If you aren't one of the lucky ones with a pension, living longer than expected still puts a strain on your own retirement funds. And don't expect social security to pick up the slack. In fact, it might be non existent by the time you reach retirement age. The only real way to avoid running out of money in retirement is to take matters into your own hands and to invest in dividend paying stocks that continue to increase their payouts. We want you to be able to live longer, happier and healthier, because you can have it all with the right strategy. Drop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Using the right screening metrics will narrow down your pool of potential stock investments from 19,500 to a couple hundred in a matter of minutes. Then if you do a little bit of research, you'll have a handful of stocks to buy right now. It's that simple and frees up a ton of your time and energy. It also releases you from needing to listen to anyone else's input for which stocks to buy. Drop your comments or questions for this episode on one of our posts. FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.   Stay connected. Follow us on social!Questions, comments, or requests? Contact Us! We value your feedback.Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly. Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Risk holds many people back from investing because it causes a lot of fear, but most risk can be mitigated by doing a few specific things. Having a strategy in place to pick the right stocks, setting asset allocation rules and ensuring proper diversification are a big part of risk mitigation. But another important component is keeping your emotions in check. And one of the easiest ways to remove emotional reactivity is to have an emergency fund set up. That one thing alone negates the need to pull money out of the market at the wrong time and all the stress that comes with taking losses.We talk about many stocks in this episode, but not all of them are good buys right now. The ones we mentioned that areEXAIDOGGAny Utilities we discussed in Episode 33Drop your comments or questions for this episode on one of our posts. FacebookYouTubeInstagramTwitter/XTikTokBlog If you're looking for a more detailed summary of this episode, click here.   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Many people suffer from analysis paralysis because there's so much information on investing out there. You may listen to 10 experts, but they all say completely different things about the same stock.  In this episode we lay out how to get around the anxiety, overwhelm and fear of making the right investment choices, because being stuck in that place just sabotages your future. The key lies in having the right foundation. When you're able to determine your own goals, metrics and plan, you no longer lack the confidence to make investing decisions. Tickers mentioned in this episode:VZTMMMECCHTGCDrop your comments or questions for this episode on one of our posts. FacebookYouTubeInstagramTwitter/XTikTokBlogStill feeling overwhelmed or uncertain which investments are good? Sign up for our emails where Tim narrows your options down to just 10 great stocks each week. If you're looking for a more detailed summary of this episode, click here.    Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

It's Q4 earnings season and the overall market is beating projections by 6%, which is making market analysts change their tune for 2024. The fear of a recession is gone. Looks like Tim might have been right about a bullish 2024. Earnings season is a time to check in on the health of your portfolio assets. Sometimes people miss the big picture of a company's report and panic sell. But that's exactly when we're there to buy the dip like with ARLP.Join us for a performance overview of many of our favorite stocks and how you can take up some great positions for what's to come.Drop your comments or questions for this episode on one of our posts. FacebookYouTubeInstagramTwitter/XTikTokBlogCompanies that beat their earningsHTGCNEE and NEPBKHOGNMOBTIMost utilities stocks we mentioned in Episode 33Companies that had a bad earnings (might be bad)ABR (we think manipulation)UAN coming upMPW coming upPotential Growth Stock Opportunities SOFIPLTREXAITake advantage of Worthy Bond's new 7% interest rate. If you don't have an account yet, get a free $10 bond when you sign up using our affiliate link. If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!  Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

We've talked about knowing yourself so you can align with your investing strategy and spending plan. But if you struggle with determining what type of person you are, that can make things kinda hard when it comes to finances and goal setting. It might be easier to start with listing out the things you love. Really put some thought into this exercise. Then spend more time, energy and money on the things you love and start removing or hiring out the things you don't care about. Notice how happy you feel when you start living this way. Yup, that's why we revamped out lives so they could be jam packed with awesomeness.  Our list includes Tim's love for investing, which is why he dropped so many nuggets during this episode.  Publications he gets corroborate the picks he's been totingCommercial REITs are on the declineInterest rates will be lowered sometime this yearWalmart is doing a 3 to 1 stock splitOpen a Roth IRA before they change the rulesHousing market & Crypto to pop off this yearAnd good stocks that are undervalued right now.NEE and sister NEPMMMVZTOGNPFEBMYIIPRNUEIBM ABREven MPW and IEP are turning aroundLet us know if you prioritize the things you love and how one way or the other affects your mood.Drop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Stoicism is an ancient philosophy that can not only change your day-to-day life, but it can have a massive impact on how you invest. Two main Stoic principles that provide the greatest benefit when investing  are learning to let go of the things you can't control (like the stock market) and focusing on managing your own emotional responses. If you're interested in learning more about Stoicism, Carmela recommends listening to Tim Ferriss's Podcast episode with Ryan Holiday here. Want some laughs? Watch this clip from Last Week Tonight where they have a Jim Cramer reel of failures. We talked about several undervalued stocks that meet our requirements ARLPABRPDINEP & NEE sister companiesBKHDrop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Don't make the mistake of passing up on Utility stocks. Utilities aren't flashy but they're essential and more secure than most other sectors, which makes them a great portfolio hedge during recessions. It may look like Utilities have smaller dividend yields, but they increase their dividends year after year. That means the longer you hold them the higher your actual yield becomes. Slow and steady is usually considered boring, but that's how you win the game of investing.What Tim looks for when he's combing Utility stocksYieldP/E vs industryProfit margin 5 year dividend growthRevenue growthPayout ratio The tickers we discussed in this episodeNEE (electric) and NEP (renewable energy) BIP (electrical and natural gas) and BEP *** BIP is currently overvalued and BEP has a negative P/E. These are better Watchlist candidates then buys right now. UGI - natural gasVZ - telecom but considered a utility stockPBR oil and gasBKH electricA few other mentionsDUKNFG Drop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Most people don't operate with their personal investment style in mind, and when you invest in a way that's out of alignment with yourself, you have a higher chance of making costly mistakes. Those losses deplete your funds with limits your ability to grow your money. And failures also trash your confidence and hope for retirement. So do yourself a favor and put some extra effort in at the beginning so you get off on the right foot by avoiding unnecessary problems. Many brokerages have resources to help you clarify your investing style. Here are links to 3 companies that provide a questionnaire to get you started. We walked through Schwab's in this episode. Charles SchwabFidelityVanguard If you want to do a deeper personal assessment, it might be more helpful to ask yourself the following questions. What are your investment goals?Preserve the money you invest at the startTo grow your money over timeDo you want your investments to provide regular incomeWhat is your time horizon?Do you need your money soon to buy a house, pay for college, etcDo you need your money to maintain your standard of living in retirement years much further down the roadOr are you somewhere in the middleImmerse yourself in the differences between the investor profiles.ConservativesPrioritize security more than growthHave little to no risk toleranceFocus on shorter term investments ranging from 0-5 yearsPortfolio consists of 80-100% in fixed income investmentsModeratesFall between conservative and aggressiveAre willing to give up some liquidity & security to make higher returnsAre comfortable with medium range investments from 5-10 yearsPortfolio consists of 60-65% in fixed income with the rest in dividend or growth stocksAggressivesPrioritize profitability above all elseHave the greatest tolerance for risk/losses because they know higher profits come in long runFocus on long term investments Are savvy investors who have more money so they can give up immediate liquidityAre all about returnsDrop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog  If you're looking for a more detailed summary of this episode, Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

There are many high yielding BDCs to choose from but they don't all pay juicy supplemental dividends like the ones Tim covers in this episode.  When you add in those extra payments these babies pay out way more than their posted yield.If you're not familiar with BDCs, go back and listen to Episode 11 first. Tim begins narrowing down the list of contenders by comparing a specific BDC's P/E Ratio to this sector's average P/E Ratio, which is between 15.8-17.3 right now (depending on where you look). Only move forward on ones that are undervalued. After checking the dividend yield and P/E Ratio, the other main things that Tim looks at when he's analyzing BDCs are:Payout RatioSupplemental DividendsDividend Growth Over TimeLimited to No Dividend CutsAnd from all that research we've settled on the top 6 BDCs discussed in this episode.MAINHTGCCSWCARCCTRINHRZNDrop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

REITs have been beat down because interest rates have been high. The FED announced that they intend to lower interest rates in 2024 if the economic metrics keep looking good. That means REITs are going to turn around soon enough. If you're not familiar with REITs, go back and listen to Episode 13 first.Tim has combed the list of potential investments using several criteria to get him to the best of the best REITs.  P/E vs peers to compare value Free cash flowProfit MarginYear-over-year sales growthNumber of years of dividend increasesAnd this episode goes over the 3 that stand out above all the rest in detail. IIPRABREPRDrop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

Most people think crypto is just digital currency, but it's so much more than that. The underlying technology is going to revolutionize the world much like the internet did. Even if you have no interest in owning cryptocurrencies yourself, you need to be aware of what's going on in this sector because it's going to impact a lot of other industries and change the way companies do business. Bitcoin halves every 4 years and 2024 is the next scheduled halving which is going to send crypto as a whole up like a rocket. That's why we're invested in it. There are several ways to invest in crypto to reap the rewards of what's to come.  You can invest in the actual crypto coins (1000s to choose from):BTCETHXRPADALINKMATICSHIBLTCSNXXTZOPBTTFETOr in stocks that are part of the crypto sector.COINPYPLNVDASQHOODOur favorite way to profit from crypto in the stock market is through YieldMax ETFs that trade options in the stocks above that pay out big dividends. CONYNVDYPYPYSQY There's even a stock that does Bitcoin futures, which we also own.BITOAnd if you're interested, the SEC approved 11 new Bitcoin ETFs. We're waiting to see what these do. But there are many other crypto ETFs in the works. Drop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!   Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.

With all the fear of a recession floating around most people and experts think 2024 will be a bearish year. There are some factors that support that sentiment, but there's a lot more things that indicate that 2024 will be and up year. Tune in to this episode where we cover 7 reasons that signal the bulls should prevail this year. And from what Tim has uncovered, it might go up a lot more than most people expect. Drop your comments or questions for this episode on one of our posts.  FacebookYouTubeBlog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support!    Stay connected. Follow us on social! Questions, comments, or requests? Contact Us! We value your feedback. Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list. **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.