The Personal Finance Series: Learn to Budget & Calculate your Net Worth. | Uday Gehani | Skillshare

The Personal Finance Series: Learn to Budget & Calculate your Net Worth.

Uday Gehani, Dedicated to make complex topics easy!

The Personal Finance Series: Learn to Budget & Calculate your Net Worth.

Uday Gehani, Dedicated to make complex topics easy!

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4 Lessons (35m)
    • 1. Introduction

      1:24
    • 2. Creating a Net Worth Statement

      15:03
    • 3. Learning to Budget

      17:07
    • 4. Conclusion

      0:59
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About This Class

From budgeting, saving, and reducing debt, to making timely investment choices and planning for the future, the Personal Finance Series provides fiscally conscious readers with the tools they need to take charge of their financial life.

In this class, you will learn to take ownership of your financial future by knowing exactly where you stand financially - by creating a Net Worth Statment.

Once you know exactly where you are- the next key step is understanding how much money you make vs how much money you spend by creating and learning how to Budget.

Monitoring your spending can help you develop realistic money saving goals (planning a nice vacation, new car, down payment on a house, etc.) and motivate you to put them into action!

Both the Net Worth Statement & Budget can be completed by using this free and easy to use Google Sheet located right here

 

Meet Your Teacher

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Uday Gehani

Dedicated to make complex topics easy!

Teacher

 

The most essential learnings in life come from Failure. 

The classes below are a result of some of my epic failures and the lessons I have learned from them. 

I used to fail in Business and Investing and so I mastered ACCOUNTING & FINANCE to change that. 

I learned that 'Revenue' is the most important metric in Business so I learned MARKETING to change that. 

I learned Time is as important as money and so I learned PRODUCTIVITY hacks to maximize it. 

Having my fundamentals of Accounting, Marketing and Productivity clear has had a BIG IMPACT on my life and I am passionate about teaching what I have learned to others.    

I hope you enjoy the classes.

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Transcripts

1. Introduction : no matter how little or how much money you have, everyone needs to understand personal finance at its core, on discerning personal finances. Pretty simple, it's built on knowing how much money you have, then being able to manage the money coming in with how much money is going out. And finally, if you do these steps successfully, you'll have enough money saved up to invest and make you more money. But of course, there are so many ways to do this so many methods and so many APS that the simplicity off this process gets diluted in the noise. In this class, you learn about the 1st 2 steps, which are learning to calculate your network, which allows you to see exactly where you CERN financially and second, billing your personalized budget. Using a budgeting system that a simple and straightforward By learning and sticking to the system, you will ensure that you always have enough money for the things you need and the things that are most important to you. My goal is that by the end of this class, you not only know how to manage your money but have built a system that allows you to get ahead with your finances for good. So forget everything you think you knew and prepare to experience total control. I'll see you inside the class. 2. Creating a Net Worth Statement: I believe the number one financial measurement everyone should track on a month to month basis is their network, and that's why this is very evil. Begin our financial journey. Your network is a measure of your financial welt and is calculated by taking the summer off your assets. And subtracting your liabilities has a very simple example. If you have $10,000 in the bank in all $2000 on a credit card, your network is $8000. Once you know your network, you'll have a true measure off your wealth. And perhaps more important than that, tracking your network will change your subconscious to start thinking about your poor chases differently. Think about your network like Oh, you are here. Location on a map Once you know exactly where you are, no matter what your goal, whether it be paying off student loan debt, achieving financial independence or even becoming a millionaire, it will make it easier for us to create a plan on where you have to go and how to get you there. In this lecture, our tool of choice for accomplishing this endeavor is going to be Google Sheets. My primary reason for choosing Google sheets is that it's free. Of course, while you do have paid alternatives but have greater template on Google sheets, that does a pretty good job for you. So let's Ivan click on the Google Sheet link, which should be attached directly to this video or located in the project In Resource Is section. It all depends on the platform you're watching this video from, since different platforms have different ways of attaching links, and once you've got that figured out, go ahead and open your Google sheet. There will be three tabs located at the bottom of the sheet. And make sure you're looking at the network tab who personalize this and make changes on the sheet. You'll have to replicate it and create a new one for yourself. You can do that by going to the file Barton on top and clicking. Make a copy square and give the sheet any name that you would like. And while giving a name, I would make sure to put the month and the year at the end so I can keep track off my network toward time. Once that is done, let me give you a quick or view off. What's initiative. On the left hand side of the sheet, you'll see a section called Assets, and on the right hand side you'll see a section called Liabilities. Once you fill up both sides, your network will automatically get calculated and shown at the bottom of the ship. Now that's a really simplifying view, But let's walk through the entire sheet together. Let's start by filling out our assets. I said some things that you own, things of value. Things of economic importance would bring you cash or, at the very least, can be changed for cash. Now, rather than just watching me do this, it would be great if you could follow along as well and create your own network cheek. If you're concerned that you don't have all the numbers on hand right now, that's okay. Just ballpark them for now and revisit the sheet at a later point in time. If you want to make it more accurate, The asset section of the sheet is broadly divided into three categories. He have cash and cash equivalents, physical assets and long term assets. When you start filling out the sheet, you're going to start at the top and work your way, line by line, all the way to the bottom. So we first start by putting the amount of cash we have in the bank in the form of checking savings or time deposit accounts. If you have multiple checking accounts, you can consolidate them and add the total off your checking accounts in the cell next to the checking account section. So let's say we have $5000 kept in a checking account with Bank of America and another $10,000 kept city back. We simply click on the cell equal toe, $5000 plus 10,000 and hit enter, and our daughter shows up as $15,000. If you want to be really meticulous and want to see this data at a later point in time, what you can do is click on the cell right click, go down like insert note and type of note. Right here, for example, I could type something like Bank of America dollars, 5000 and city dollars. Dantos click outside cell now if I ever come back to the sheet, and I want to see what was the total of my checking account and how it came. I can simply, however, over the cell, and I'll be able to see Bank of America 5000 and Citibank 10,000 in the same way. If you want to keep notes on any of these other categories, simply click on the cell right click, select, insert north and add the North you would like. So that's a few Google sheets, tips and tricks for you at no extra charge. I'm gonna go ahead important other $5000 in my savings account and $10,000 in the time deposit account, just for illustration purposes. And if only creating money in real life was this easy off course. If you don't have a balance in a particular area, simply input zero and move onto the next one for cash in hand. Please import the total cash that you have in your wallet or your purse. Basically, add any cash that you don't have in the bank. I'm gonna add another $200 here. The next lane item. We have this stocks. The only criteria of its stocks is if you own any stocks, they need to be easily tradable for cash. I'm gonna import $2000 here. We didn't have cast often mattress. Now you can obviously changes to any other name that you were like by clicking on the cell and changing the name inside. So, for example, maybe you have a safety deposit box at home with some cash in it, which you need for emergency purposes, and that's all it for. So you can change this to your safety deposit box if you would like, I'm gonna go ahead and add another $1000 here because I keep a lot of cash in my mattress. But don't tell anyone. And once we're done with our cash and cash equivalents, the magic off Google sheet automatically calculates our total, which is $33,200. Next, we move on to the physical assets section. The first line in physical assets is our home. And if you have a home, go ahead and add the amount right here. If you're watching this from the United States, then you can use a website like Zillow dot com, which is Z I l l or W to get the approximate value off your house. If you're watching us from any other part of the world. Use a website that's popular in your area. To get the most recent market value off your residence, I'm gonna go ahead and put $120,000 here and after that on next line item is for nature. As a rule of Tom, it's always better to be more conservative. For example, if you own a high priced piano such as a Yamaha acoustic piano, which is two years old, you can give it a reasonable value because you know that you'll be able to sell it and get a reasonable value out of it. But don't have any items like a four year or stained mattress with giant yellow patches on it. So I'm gonna be super conservative and just put $100 here and next in jewelry. Just add the amount or the currency value off any jewelry that you might own, such as gold, silver, diamonds and the like. I'm gonna go ahead and for $2000 here, I've left the next line as household goods, which is for items which are unique to you. But you think that they may have some value. So, for example, if you have some antiques or a stamp or a comic book collection, which you think is what? Something. You can just change the name from house or goods to comic collection. An input. Approximate value Here. I'm gonna go ahead and put $100 here. As I said before, use common sense when approaching the section and remember the rule. It's always better to fall on the more conservative side when you're filling out these numbers. Finally, you can add the value off your car or cars if you're doing this for a family. If you do live in the United States, you have a website called Kelley Blue Book at kbb dot com, which is a good resource to get the value off a car If you're in any other part of the world, I'm sure you also have a Web site that can give you the approximate value off what your car is versed in your locality. I'm gonna go and have a bit of fun with this. I'm gonna go ahead and change the automobile section to a bad movie just because I really want. Hey, since I'm creating a fictional financial statement, let's just have some fun with it. Okay, you can go ahead and put a more realistic version off your car unless you actually own about movie, in which case, your Bruce Wayne and you're watching this. So please put on message in the common section and the next line after a but Mobile is left empty for any other items that you think that are unique to you. The total off physical assets gets calculated automatically again, and it's the last category in our physical assets section and totals upto $122,200. In the last category off our assets section, we have our category, which represents long term assets. For example, you may have ah, 41 K or an IRA if you're in the United States or you may be accumulating graduate E at work , which will be paid to you when you retire. Go ahead and put any off your retirement savings right here. I'm gonna add $10,000 as my gradually number. If you have a 41 K and IRA, add the respective amounts in the cells on the right. Once you've added your long term assets, your third daughter gets reflected right here and the total off all your assets, which is your cash and cash equivalents. Physical assets and long term assets gets represented right here in the total Assets section as 100 and $65,400 a round of applause and a virtual handshake for you, my friend. Because congratulations, you are halfway done. Next, we're moving onto adding libraries on the right hand side off our sheet again. You can adjust any of the names of the categories that you would like The main three car degrees, the umbrellas in which all liabilities fall under our our home loans, revolving loans and other debt. I've started off with mortgages, and in case you have a mortgage import amount right here as a sample, I'm gonna be importing $75,000 if you have an auto loan in Port Ortolan. Outstanding amount right here. So I'm gonna put $8000 here as a loan on our back mobile. Now imagine the banker's face. If Bruce Wayne would actually go in and apply for an auto loan to buy a bad movie, I think that's pretty funny. I think I'm gonna be leaving the personal loan. Other categories is empty just to show zero. Somewhere on my network statement, the next line or the next major car degree is for revolving loans, basically revolving loans of the type off loans where the loan doesn't have a set ended. That is, there is no specific Ende to pay back your debt in full. For example, in a convention loan like a mortgage or in order alone. When the bank gives you money, they expect you to clear the loan by a certain date, which they specify prior to you getting alone. And as long as you make your regular payments, things are OK. That's why they're called Tom Loans because they're given for a certain tone. Pardon revolving loans. Things work differently. Instance, There's no certain date. Theoretically, you can simply just keeping interest on the loan, and the principal amount can remain forever. Now, this is absolutely, highly not recommended from my side because revolving loans have higher interest costs associated with them and you don't want to be being high interest. Obviously, you don't want to be being dead forever, right? Okay, so I digress. But if you have any revolving loans, please input amount into the revolving loans category. I'm gonna import $1000 in my credit card. Outstanding. And while I mattered, I can go ahead and also change this name into city representing a Citibank regard. If you have any personal line of credits or bank, order a facility, go ahead. Input amount on the right. Right here. And finally, I have left a section for other date. This includes student loans, loans from family or loans from friends or any other I o usar payables. You may have, for example, some small business owners start their business by borrowing from family or friends. And even though the money goes into their business, if there's a personal guarantee unit that you have to pay the money back, it's a good idea for you to add the liability right here. I'm gonna add $10,000 as student loan debt. Now at the bottom, the total liability section comes up, which is a total of 83,000 plus 1000 plus 10,000 which comes up as $94,000. And since our assets off 1 $65,400 is greater than our liabilities off $94,000. That's an awesome thing. And finally, the number of it you've been waiting for throughout this lecture, which is on Network, which comes up to $71,400 now. This is a healthy balance sheet due to the positive network. But if your network number tones are to be negative, which means that your total liabilities have exceeded your current assets, don't worry about it. I've seen plenty of people, including yours truly, who have been in tough financial situations and managed to get our effort but Indust, IQ, time, effort and discipline. And that's why you're here to improve your finances. That's why you're watching this video. And with that said, now that you know your network, you'll be able to track your progress with time. For now, let's move on to the next phase off our financial journey, which is learning how to budget. Thank you so much for joining me in this lecture. I will see you in the next one 3. Learning to Budget: First of all, I would like to congratulate you with a big round of applause. Now that you know your network, it's gonna be a lot easier for us to create a roadmap off your financial success. That road map is going to be in the form of a budget, and here's where budgets are kind of a big deal. Having a budget, which you review regularly allows you to make the best decisions possible with your money in the here and now will improve your present situation. And the more that you improve your present situation, the more you set yourself up for future success. Generally speaking, the concept of a budget is pretty simple. It's simply planning and tracking your expected income and expenses. In a pool of your choice, be paper a software or spreadsheet. Once plan, just make sure you spend according to that plan. Let me show you how this works. Open up your trusted Google spreadsheet and open up their tab card Summary. The link will be attached to this video are in the project. In resource is section. The summary tab and the daily transaction stab are the two tabs where we're gonna be planning and organizing our entire budget. But before we dive in on a separate note, the default currency being used here is the U. S. Dollar. And if you want to change that, you can simply go to file, scroll down and click spreadsheet settings in Vendor dialog Box opens. You can change your currency by kicking the drop down arrow and changing the country to your resident country. You can change the time zone as well, but that isn't really that important for the purpose of this project. Once you're done, go ahead and click safe settings. You can also use the dollar sign up here in the main menu to make changes to currency in a particular cell. Okay, now that I'm done with that quick tip, let's dive back into what you've been so enthusiastically waiting for, which is planning your financial future on our handy Google spreadsheet. Broadly speaking are sheet is divided into two house. The top half of the sheet gives you an overview off our budget for the month. While most of the section looks blank for right now, it's gonna come alive with data. Once you start populating the sheet with numbers. The starting balance car degree is where you add how much money you're starting. Consider this as your starting point. Like a game of monopoly. The goal is to make your cash grow from the starting point. The giant red pinkish color box is like the scorecard, which is going to give you the percent in trees or decreasing your savings, as well as the amount of you saved or lost in the month. In a nutshell. The top off the sheet is your financial dashboard, so we're gonna come back to review it this at a later point in time. Once we have finished adding some NATO for now, the only figure you have to import is the current cash you have in the starting violence field. So, for example, let's say you have $100 cash in your wallet, $400 in your checking account and $1000 in your savings account. You can choose to put the total off all these three, which is $1500 right here. If you've already finished electro network sheet, you can click back to it and also take your cash balances from right there As you can see, our cash balances, not including stocks, totaled $31,200. Only use the total cash balance you have, because unless you are an active trader, you're probably not gonna be selling stock for your day to day living. Let's go back into our summary sheet and you'll see that the second half off the sheet is the meat and potatoes of the sheet. That's where you'll start the planning process, and you'll plan the entire month ahead. This half is divided into the expenses and the income section. Each of these sections is divided into four columns. The first column reels with categories and categorizing you're spending is so important because it's going to give you an easy overview off how you're spending your money in each category. So at the end of the month, if you believe that you're spending two months in a certain category, for example, you could be spending too much on groceries. You can always re evaluate and cut back that figure, or shift some of your spending from one category to another. I've listed some off the media categories right here already, but if you feel that you want tremendous in. Anyways, please just click on the cell that you want to and amend it right there. So, for example, I have a pet scarred agree. And if you don't have a pet instead, love Star Wars. You can put some money aside and buy some Star Wars memorabilia so you can simply click on that cell and change that sell toe Star Wars memo. Uh, Bill, Yeah. Just remember, don't go category crazy. It's better not to overwhelm yourself for too many categories and keep things simple. Also, I have a stuff I forgot to budget for category. And here's why this category is so important. Unplanned things will happen. They happen all the time. Cars break down. Unforeseen medical bills or health care costs come up or something in our house needs some urgent repair. You don't know what will happen, but all you know that this is life and something is likely to happen at some point in time . So here's the thing. The stuff I forgot to budget for category allows you to plan for it. When these things happen, they can recommence budget, but allocating some money right here in the stuff I forgot to budget for category helps you be prepared for it. Now, If nothing happens, that's fantastic. You just ended up saving this money, and you now have a buffer being built month to month for any contingencies in the future. So no matter what other categories you men, I highly recommend you keep this category in your budget. If you move on and take a look at the other side, you will see the income car degrees as well. They start with side hustle, paycheck, bonus interest, other and you can change this category. Also, toe whatever category would like averaged side hustle on top, because if you do have a side hustle or your freelance or do something on the side, it's exciting to see your side hustle income grow and form a bigger and bigger part of your buzzer. Your paycheck and bonus card agrees our income streams, which relate to your job with the paycheck being the money that you receive permanent and the bonus section. For those lucky folks who get something like a Christmas bonus, the interest income section is for any interest that you might receive from your savings or time deposit accounts, maybe dividends on stock except the other, and the custom car degrees are for any other non conventional streams off income. For example. Maybe you have generous grandparent's that send your cash gift once in a while, or maybe you have a second homes in treating some additional income. Having come to the end of this category, this is the perfect time for you to pause this video review and fill out your own categories. Personalise any of these to fit your life, and we will resume after brief interlude and dive into the second column where you're gonna plan your monthly budget A bit of a warning, though. While the first and the second columns are OK to make edits, Please don't change the third and the Fourth column because these are full of formulas, and I don't want you to break the interlinking with various cells in the spreadsheet. So go ahead and finish your categories for now, and I'll see you when you're done. Welcome and we're back. And I hope you took the time to think about Add your own specific categories, and once you're done with that, it's time to actually plan your financial future. We start on the income side first by adding the amount of income that you receive. So if you're getting a regular paycheck, this part should be pretty simple. Let's say your after tax be and other deductions is $5000. So you simply go ahead and put $5000 right here. And let's say you average $1000 a month from my side hustle. So you go ahead and add $1000 right here. You can go ahead and fill out any of the other income columns in a similar way. The important number north after you're done is the total number, which appears right here on top. So, for example, if I've got $6000 as my total income and that means that I only have $6000 to allocate towards my expense side on the expense side of things, we're gonna go ahead and now follow the same. But for example, if you have AH, monthly mortgage payment off $2000 just go ahead and at $2000 in extra housing. Next, let's say you buy groceries four times a month and spend $50 on average of week to buy those groceries. So you take $50 multiply that by four. And your budget is going to be $200 for the month on groceries. So I go her night $200. Please go ahead and fill the whole sheet for now on how these figures relate to you. Remember, there is one fundamental rule here, which is that the total off your expenses absolutely cannot exceed your income. So, for example, if you see our income right here, $6000 and when I would add the expense card agrees, I would make sure to keep an eye out on this total number and make sure that that does not exceed $6000. In fact, you may remember that I mentioned that the goal here is to make sure that their total expenses are actually far less than your income so that you end up saving money, which you can later used to invest in. Increase your networks for the and if you're adding your corporal right here on the expenses and you notice that their expenses are getting higher than your income and it's better than you either figure out how to cut expenses right now or increase your income would escape. I heard a bit, so you don't have to watch me go through each category individually, and there you go. That's what a completed budget category looks like. So our income for the month is expected to be $6000 are planned. Expenses are expected to be $5575. If everything goes according to plan, you should end up saving $425 by the end of the month based on this budget. So let's see how this would actually play out on a day to day basis. Through that, we're gonna have to focus our attention on the third column, which is the actual column. It's this column with the rubber meets road, and you're not gonna make any changes to this column directly because this entire column is linked with the daily transaction stab. And whenever you are an expense in the daily transaction, stab it auto populates and fills out this third column automatically. So let me give you a few examples and let's see how this works. So let's It's the beginning of the month and at the date is Jan 1st 2021 you have to pay your rent of $2000. So, like a good tenant, you go out and you pay your $2000 and you write your description as Gen Rent and the category chose in his housing. You can click the drop down at all and change any of the car degrees. But because I rent applies to the housing are degree, we leave it the way it is. So that's simple enough. And let's go back and check our somebody tab and you'll see that the $2000 has been auto populated and come to the actual column. Let's do another transaction. So let's say I have a car payment off $833 So toe make my car payment. And to show my car payment of $833 I'm gonna go to the daily transaction stabbed once again and let's see my car payment is due on the seventh of the month. So I added date right here, and I put the amount off $833 and I write the description as car Beaman and the correct category selected right here, which is transport. But like I mentioned, you can select any other category that you would like. But since transformations the correct category and wouldn't leave it at that. And I'm gonna check my somebody tab and you'll see that $833 is auto populated here, and our torture for the month has now jumped up to $2833. Now, these transactions were pretty simple, but you may also have transactions that appear multiple times a month. So let's say you buy groceries weekly and you spend on average off $120 each week. So let me go to the daily transaction Stab. I'm gonna auto populates some grocery transactions for you and show you what those transactions were really look like. Okay, so this is what your transaction sheikh would look like after you added your grocery bills . Obviously, there'll be some variations in your grocery bill, but as long as you have input all of these in the food category, their total off your groceries should show up in your actual column. So as we can see the Corporal off our groceries is $491. Pretty cool, right? And interesting observation here is that if you do end up spending $491 on groceries and your plan budget is $200 it'll show you the difference. Right here in the fourth Column, as in, you've gone in excess off your budget by $291. Now, right here is the time to make a choice. Either find a way to increase your income to cover the shortfall or pull $291 from another category. I'm gonna reduce the health category of $400 by $291 so I'm gonna go is equal toe 400 minus 2 91 And I'm gonna pull it from that car degree, and I'm gonna add that Boone, anyone number right here. And as you can see, I've covered my shortfall by doing that which gets a budget back on track so similar to how we fill out our expenses. We can fill out our income column on the right hand side. So if you get a monthly paycheck off, let's say $5000 on the fifth. You can go ahead and type 51 Granny 21 and put $5000 in our description, speech check and the cart agrees Paycheck. And once you're done with that, you can again in going to the somebody tab and you'll be received that the paycheck has ordered populated right here with $5000 just to show you another sample of income. Let's go ahead and add another category, which is 15 slash ones last 2021. And let's say we've made another $1000 from my side hustle and be right freelance and our description, which is a side hustle. And we look at our somebody tab and we'll see that this is auto populated right here as well. So now you've seen some example off adding some expenses as well. As you've seen some example off adding the income, let me show you what a completed budget after your entire month would look like. And once you're done with sheet, you can simply go and take the summary tab, and you will be able to see your actual spending in each of the categories right here, and to get a broad overview off how you did for the month. You can go back to our dashboard, which is right on top. And like I mentioned, this will give you your scorecard. So if this was the budget for your month that you planning to spend $5575 you actually spend $5171 you can goto the reddish pinkish box I mentioned in the beginning of this lecture where you'll be able to see off 55% increase in your water savings and you ended up saving $829 for the month. So congratulations. If this is what your budget looks like a dead end of the month, that's fantastic. And even if you do end up over spending, just remember toe pull from one category and move to the next so that you can pivot and change and still meet your goals. Thank you so much for joining me in this lecture. I will see you in the next one 4. Conclusion : hi, everyone. By now you've mastered the 1st 2 steps of personal finance, which are knowing your networks and creating a budget back yourself on the back because you've learned a lot. But let's not conclude this class is yet to be good at anything in life. You have to be consistent and personal finances nor different coming to yourself that you'll stick to your budget and as the first step area commitment, upload a screenshot off your budget to the project section. If you've enjoyed this class and would like to see any of my future classes, including ones on saving and investing, please click the follow button on your screen. And if you want to see any off my past classes, for example, I have trusses and accounting, productivity and marketing. Please check out my profile page on skills and for one final time, it was truly my pleasure to go on this journey with you. Thank you so much for joining me in this class, and I hope to see you in the next one