Girls Just Wanna Have Funds » Marriage

7 Savvy Ways To Be A Financial Asset In Your Relationship

Ginger — Wed, 12 Nov 2008 16:39:18 +0000

When talking about women and money, we are often portrayed as financial risks. This is because of the perception that we we either shop too much or know little when it comes to utilizing money to create long term wealth and security. So today I’d like to discuss the issue of being a financial asset in your relationship. No partner wants a woman who shops too much and isn’t financially responsible with bad credit. You’re as much of a risk as the man with a bankruptcy and continued financial irresponsibility if those are your cards. So how do we become a financial asset?

[Edit] Some of you have already commented that you are surprised by the gender assumptions made by the article. It is based on this Bankrate.com article which I found pretty eye-opening in that they specifically indicate the differences in approach to money by men and women. I don’t want you to think that I am using this article to paint all women with one brush, just understand that not all of us are working towards financial freedom because we havent been taught how to do so as the article implies.

Men and women spend and save differently:

Women, trained to nurture and seek acceptance, view money as a means to create a lifestyle. Women spend on things that enhance day-to-day living. Theirs is a now-money orientation.

Men, trained to fix and provide, view money as a means to capture and accumulate value. Men don’t spend, they invest. Men don’t want something, they need it. Theirs is a future-money orientation.

Embrace The Frugal Lifestyle

Before you turn your nose up at the idea, this isn’t about being cheap. This is about getting the best price you can for whatever you buy, remember, if it isnt free then it isnt on sale. It is also about figuring out your needs vs. wants, do you need that pretty fuschia sweater at Bluefly? Your partner will be able to appreciate this quality because you won’t present as a spendthrift, but as a woman informed about her buying power and not at all dedicated to buying crap and coming home with nothing to show for it. Believe me, I know

Invest In your Career and Education

I don’t care what your life plans are. Some of us want to stay home and take care of our children and some of us want to run out and conquer the world, whatever you decide, invest in your education and/or something that you are able to do in the event that you have to earn a living on your own. A man is not a financial plan and prince charming doesn’t exist. Sh*t happens. Be smart and protect your self. Having an education even if you don’t pursue the corresponding career (English major becoming and English teacher), shows your partner that you are invested in yourself and that is the best investment that you could EVAH make.

If you’re a career woman, map out a 1-3-5-7-10 year plan and revise it yearly as it is a working document. You’ll be a better woman for it because now you’re bringing to the table a woman who is focused and intent on her success.

Keep Up To Date On The Latest Financial News

Read and be informed around current and ongoing financial issues. I’m not at all asking you to go out and subscribe to Barron’s but reading sites like Girls Just Wanna Have Funds (shameless plug), Consumerism Commentary, CNN Money, MSN Money MasterYourCard and others will give you both an insiders and main stream media view of what’s going on with your wallet. Be aware of current savings and loan interest rates, take an active interest in making the most of your money no matter where it is. A financially motivated woman is a woman who is in control of her destiny.

Engage Your Partner On Financial Issues

How much does your partner understand about the current bailout drama? Do you meet regularly to discuss house finances such as your household budget and current debt load? Make these conversations a regular part of relationship to ensure that you remain on the same page.

Maintain An Open Door Policy: Communication

Need I really say this ladies? Communication is key. Don’t haul off and buy that $400 dress without talking to your spouse if your rules dictate as such. Some people need to consult for a $7 purchase and others a $200 purchase, different strokes for different folks. Whatever yours may be, keep the lines of communication open.

I’m the shopaholic in my relationship but I make sure to tell the husband unit of any purchases over $300 that sits outside of our regular budgetary items.

Be Financially Responsible Around Debts And Money Habits

Cut that shat out! No partner wants a woman who is irresponsible around her debts and overall money habits. In his/her eyes you become more of a financial risk, especially if you have no idea on how or if you’ll pay it all back. Debt is slavery and we really don’t want to be enslaved to a perpetual debt now do we? Get a plan, read a book like The Automatic Millionaire, Young Fabulous and Broke, Smart Women Finish Rich or Total Money Makeover.

I’m not saying that you have to go into your relationship or marriage, debt free but the first step is a change in mindset and a plan to make it happen. A woman with a plan makes for a happy man. Cheesy, I know but true.

Be Charitable By Giving To Others

Give and ye shall receive. You can do through tithing, charitable work/donations and/or community service. Any service given to those who have less than you is an indication of the quality of your character. This tells your partner you are willing to part with your time and money in the service of others, can’t go wrong with that!

Question: Have I missed anything? How do you think a woman can be a financial asset in her relationship?

Tricia Walsh Smith: Reason #1 Why Women Should Marry Smart

Ginger — Wed, 16 Apr 2008 15:40:04 +0000

By now you’ve seen all the different blogs discussing Tricia Walsh Smith’s revenge served cold online via Youtube. In the video she refers to her soon to be ex as “mean, bad husband” and then refers to herself as “poor vulnerable Tricia” waiting desperately for her husband to “do the right thing”.

Do The Right Thing? Let’s take a look at that.

Her Mistakes And My Issues With Her Plea for Help

She married a wealthy man without combing through her pre-nup to make sure that all of her needs were met to her satisfaction. Should her soon to be ex have a stroke, the pension kicks to his bank account (which his daughters control) but she didn’t fight detail while discussing the pre-nup? Where was she provided for in the event that he’s disabled?

She is complaining about being evicted from her apartment in exchange for 750k and then declares “I’ve had a horrible few years…” Excuse me? She is by no means poor or destitute, but thinks that the terms of their parting is so unfair. I don’t feel sorry for her because she should have paid a lawyer to make sure that she was going to be fine should they part. And, where is her lawyer? Why doesn’t he have a muzzle on this woman?

Publicly declaring, on YouTube, no less, “I’m an idiot, I’m an effin idiot“. I hate to say this because I believe in the empowerment of women, but get some grace and class woman, you’re not an idiot, just misguided in the signing of your prenuptial agreement and suffering the emotional distress of a divorce. I get that, but there is no reason to air your dirty laundry for all of the world to see. She’s a successful playwright with the ability to start her life over here in the States or back in London, just do it! Pick your head up and walk away from this situation with the grace of a woman and not the tears of a child. You can do it.
What part of her thinks so lowly of herself to accept a marriage in which no sex was to be had? She accepted this term of the marriage? Where was her duty to herself to demand that she have someone who loves her in all aspects, including sexually. In this day and age if smoke blows, there’s fire somewhere and he did a good job of blowing smoke up her @$$.

She defames her husband and family through this tape which for me is the final straw. I had some semblance of pity for her until she shows us pictures of each one and then in words that only a two year old uses states his stepdaughter is a “bad, bad person”. Yes, I am a counselor in training but I can’t help but ask mental breakdown much? Really, much of this could have been averted with some meds and a good lawyer.
End. Snarky commentary

My advice for Mrs Walsh-Smith

Take Care of Yourself

Itâ€™s probably best to start seeing a therapist, if nothing else for the purpose of having someone to confide in and make sure that youâ€™re remaining psychologically and emotionally healthy as divorce can and will take its toll on you.

Please donâ€™t underestimate the toll this process can have on your mind and body, take care of yourself during this time. Lastly, check out my article The Smart Woman’s Guide For The Soon To Be Divorced, it may be a bit out of your league but may offer some helpful tips.

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Fighting Fair about Finances: How do you measure up?

Ginger — Wed, 09 Apr 2008 10:00:29 +0000

photo credit: Laenulfean

This is a guest-post I submitted to Millionaire Mommy Next Door with a few changes.

In an earlier post I asked, What do you fight about more? Based on your responses, money and sex are at the top of the list. However, regardless of the issue you should be fighting fair. How do you measure up? Are you calm and logical or is it knock down drag out all night until one of you has the last word?

***********First things first***********

Calm down. According to Real Simple:

When you are in an emotional state, access to the portion of the brain that accesses logical reasoning is inhibited and you lose 15 IQ points. Calm down and resume a productive conversation 20 minutes or more later.

Practice Active Listening

Practice active listening with your partner and they will feel as if their concerns are heard and addressed. Even if you don’t agree with them, it makes a world of difference. Both of you will feel as though you’re actually hearing the other person instead of responding based on emotion and talking at them.

Stick To The Facts
What is the core issue? Was the mortgage paid on time? Why not? Lay out the facts sans insults or emotionally charged statements and make a plan to resolve it.

Talk About Your Feelings in a Constructive Manner
How did it make you feel when you realized the mortgage payment wasn’t made on time? Speak to that truth and steer away from unnecessary insults as they are unproductive and inflammatory.

You: Honey, I’m really concerned about how we manage our finances. I was really angry when I found out that the mortgage payment was 30 days late this month. This will have a negative effect on our credit rating, how can we fix this?

Here, you’re letting your partner know how you feel in a constructive manner and opening up the dialogue for a solution. They are less likely to feel attacked and will hear what you’re saying (active listening: you’re concerned and want a solution on how to effectively manage paying bills on time).

Him: I am so sorry about the mortgage being late, I know that you’re concerned and we’ll fix it. The car needing a new transmission and the boiler breaking last week really caught me by surprise because we hadn’t planned for these emergencies. Let’s sit down and talk about building an emergency fund just in case something like this happens again.

Your partner is being apologetic and addresses your feelings while realizing the need for a plan to have a solid emergency fund. Transmissions and boilers are EXPENSIVE!

How the conversation shouldn’t happen:

(Photo: Spontaneous Flower )

You: What the hell is wrong with you? Can’t you pay any bills on time? Dammit, I trusted you to take care of our household finances and you’re f***ing it up! Now our credit is jacked up because we’re 30 days late!

Him: Well if you’d taken the car for a tune up and scheduled the boiler repair 6 months ago instead of taking off with your girlfriends we wouldn’t be in this situation! You and your damn shopping sprees leaves us with no money at the end of the month. This month the transmission breaks and so did the boiler. Don’t blame me you shopaholic wench!

I don’t need to explain this do I? This isn’t fighting fair ladies and gentlemen. No one is being heard and they are just wailing insults back and firth with no solution in sight.

Set up a Unifying Plan

This is a plan that encompasses both partner’s views on how the issue should be handled. Try to meet each other in the middle so as to not feel like one person isn’t being heard.

This isn’t to say that we won’t mess up and let loose a few insults but the key is knowing how to move past it, and now you know how.

Do you fight fair? Have you had low moments in a fight? How did you rebound?

The Smart Woman’s Guide for the Soon to be Divorced

Ginger — Mon, 03 Mar 2008 10:00:10 +0000

What do Juanita Jordan, Halle Berry and Sheila Johnson all have in common?

All three came out on top in their respective divorce proceedings. If you’ve been under a rock and aren’t familiar with the final decisions, Juanita Jordan was paid $168 million dollars when all was said and done. You read right, $168 million dollars. After Sheila Johnson’s divorce was finalized she walked away with $670M after taxes, which several published sources report she has successfully parlayed into a portfolio in excess of one billion dollars. Due to Halle Berry’s iron clad prenup, she avoided having to support Eric Benet in their divorce.

Are you in a situation where you’re soon to be divorced? I won’t play therapist in this post but if you’ve made up your mind but there are some things to consider. I hate to entertain this line of thought but the reality is that everyone won’t live happily ever after and we need to protect ourselves and our ASSets in the event divorce is a reality.

Straightening out your Finances

Gather all of your important financial papers and purchase a lock box if you haven’t already done so. Secure’ all important papers such as birth certificates, passports, retirement papers, bills, bank statements, tax returns and the like. You can also find more information about separating your finances here along with other solid divorce resource information.

Make sure that all major financial accounts, read savings accounts are in both of your names. Many women have been screwed by their partners due to not insisting that both their names be on all major savings accounts.

Start saving for the financial cost of the divorce. If you are able to remain in the situation and save money for the financial cost of the divorce then do so. As you will soon discover, divorces are expensive and will take its toll on you both financially and emotionally. Prepare for this by saving your money even more during this time. You will need to consider that you don’t have your spouse’s income anymore and will need to stand on your own financially and hire your own attorney which will be expensive.

If you’re a stay at home mom/wife then now is the time to consider getting back into your career or perhaps beginning your career. Again you will need to be able to stand on your feet financially independent of your husband and create/restart your identity financially, professionally and personally.

Iowa State University lists the following financial responsibilities

1. Gathering information
â€¢ Keeps legal bills down
â€¢ Helps you learn family finances
â€¢ Prepares you for financial decisions

2. Negotiating property division
â€¢ Calls for equitable distribution
â€¢ Requires determining needs
â€¢ Includes income tax consequences
â€¢ Involves legal issues
3. Managing debt
â€¢ Calls for prompt action
â€¢ Requires listing unpaid balances
â€¢ Affects your credit rating

Are there children involved?

If so then start to prepare them for the reality of a possible divorce. Maintain an open dialogue with them and be especially open to processing any feelings they may be feeling such as anxiety and depression. Indicators may lie in falling grades, changes in behavior at school and loss of motivation for activities they were once heavily involved in.

I know that as adults its easier to assume we know how children feel, but we don’t unless we pay close attention, please include your children’s feelings during this time in every decision you make. And please, for their sake and in order to maintain their respect moving forward, please don’t unload your ill feelings about your soon to be ex on them. They are children, let them have a choice in the matter. I won’t detail the many cases in which children are torn apart because of the selfishness of their parents during a divorce.

Take the high and responsible road. You know where it is, don’t let your emotions get the best of you.

Take Care of Yourself

It’s probably best to start seeing a therapist, if nothing else for the purpose of having someone to confide in and make sure that you’re remaining psychologically and emotionally healthy as divorce can and will take its toll on you. You can often reduce the cost of this by seeing someone on your health care network, EAP-Employee Assistance Program or through your local church. If the idea of talking to a counselor doesn’t suit you then find another confidant, someone you trust who will listen to you as you open your heart about the ongoing process of separating yourself from your partner. Please don’t underestimate the toll this process can have on your mind and body, take care of yourself during this time.

Sex? Money? What do you fight about more?

Ginger — Tue, 26 Feb 2008 10:00:53 +0000

CNN asked, so I’m asking, what do you fight about more?

photo credit: ganessas

The Five Mistakes Married Women Make

Ginger — Mon, 25 Feb 2008 10:00:22 +0000

The Five Mistakes Married Women Make peaked my interest as I am an advocate of women not losing themselves once they get married. Being a newlywed myself I understand the societal pressures to get married and leave it all up to your husband.

Big Mistake.

I contend that women should have as much an interest and a part in their personal finances as their partners. No matter how much you trust and love your husband, the state of your personal finances should always be a joint event. You should know how much you have in your 401k, savings, stocks, mutual funds and your current debt load.

The article highlighted the following mistakes:

1. Mistake: Handing Over the Purse Strings

Not only is ignorance NOT bliss, it can lead to the rug being pulled right from under you. As I stated earlier, do you know how much you have in savings? What about your 401k? Is the mortgage being paid on time every month? What role do you have in the finances of your household? If you don’t know then its time to re-evaluate your position and become a key player. If you do, then pass Go and collect $200. It pays to be knowledgeable in this area.

Solution: Pay Attention to the Household Finances
Both partners should attend the meetings with insurance agents, accountants, financial planners and lawyers, says Watchung, N.J.-based Kaye. Women should also look over monthly bank statements and credit-card bills. And Kaye recommends that couples make a list of all bank and brokerage accounts and insurance policies and keep it with other important documents, such as wills and medical directives.

2. Mistake: Losing Your (Financial) Identity

Who are you? Are any credit card accounts in your name? Does your credit only exist in the form of an authorized user on your partner’s accounts? That should change, and soon. While you’re married, you should still be able to maintain some sense of who you are in the credit realm, doing so hurts your ability to obtain credit down the line.

Solution: Maintain Some Individual Accounts
“You always want to maintain your own credit identity,” says Lisa Caputo, president and CEO of Women & Co., a division of Citigroup. She recommends that couples keep three bank accounts (his, hers and ours) and maintain separate credit cards.

3. Mistake: Walking Away From Your Career

I agree with this point to an extent. I fully support women becoming stay-at-home moms if that is their choice. My only advice would be to keep one foot in the door via part-time or a contract position to keep your resume updated while you are taking time off from full time work. Not just in the case of divorce, but what you choose to get back into your career after your children are grown? Maintaining some level of involvement in your career gives you some leverage when you choose to return full time. I don’t ever recommend walking away and never looking back unless you are independently wealthy.

Solution: Keep Your Skills Fresh
It might be hard to do when you’re up to your eyeballs in dirty diapers, but unless you’re independently wealthy, you should always be aware that you might someday return to the work force for one reason or another. (Kids, after all, do grow up.)

So don’t lose touch completely. Try to take on consulting projects during your industry’s busy season and attend professional networking events. Even charity work can give you a leg up when you start applying for a new job. For more tips on re-entering the work force, read our story.

4. Mistake: Not Saving for Retirement
Consider that since we are living longer than men, this should be an important area for us as we navigate our finances. So many times we don’t give it a second thought if our partner is the breadwinner and think they will save enough for both in retirement. We ought to have a plan that makes sure both parties are saving collectively or that the major breadwinner is saving collectively.

Solution: Penny-Pinch Now for Your Future
Make saving for retirement a priority, says Women & Co.’s Caputo, even if it means stashing away less for your children’s college education. If you’re working, save as much as you can in your company’s retirement plan, or in an IRA. If you’re not employed, contribute to a spousal IRA, which has an annual contribution cap of $4,000 in 2006 and 2007 ($5,000 if you will be age 50 or older by the end of the year).

5. Mistake: Asking for the House During a Divorce

Another point, I am not sure I agree with in its entirety. The article states that we shouldn’t focus so much on the house only to end up not being able to manage the monthly payments and upkeep. Who says we won’t? What if you can afford to focus on retaining the house and children in the divorce. I think better advice would have been to focus your efforts on being financially stable in the aftermath and if that doesn’t mean getting the house because you can’t afford it then so be it. But I think many divorced women would rather keep the house in order to maintain a sense of stability for their children.

Solution: Get Financial Guidance
When women are going through a divorce, they need to determine which assets will help them pay their bills and reach their long-term goals. Some women might want to consult a financial planner, says Wife.org’s Wall. Too many women, says Wall, fight for the home to avoid uprooting their children, only to find that they don’t have the cash flow to pay for it.

What do you think are some common mistakes women make when getting married?

photo credit: C.P.Storm

Guest Post on Consumerism Commentary

Ginger — Tue, 19 Feb 2008 21:29:50 +0000

Check out my guest post on Consumerism Commentary: Smart Women Marry for Money, and Hereâ€™s Why.

I think this post has sparked some interesting and expected commentary which I will elaborate on later. Until then, feel free to go on over and check it out!

Thanks to Flexo for allowing me to guest post on the site, I really do appreciate it!

Personal Finance Tips For Newlyweds-Part 2

Ginger — Sat, 19 Jan 2008 10:00:09 +0000

Part one is here at The Frugal Law Student.

Brett wrote an awesome post about Personal Finance Tips for Newlyweds and I wanted to add a few more to the list. Believe it or not this was one of the more challenging issues when we got married. Since I was always reading the Suze Orman books and talking about what we should be doing I thought it natural that I would be the head of personal finance in our house. Not so said the man. I laugh now but it was a huge deal back then. Our biggest issues were *drumroll* whoâ€™s name goes on the checkbook, which bank to use and whether or not we would merge accounts. Husband didnâ€™t like the idea of getting an â€œallowanceâ€, which we have now termed â€œplay moneyâ€. *Snicker*. I didnâ€™t change my name and I wanted to use my credit union since every loan/account I have has been with them. Merging accounts and giving an â€œallowanceâ€ / â€play moneyâ€ brought up issues around control for both of us. Lots of male macho psychology going on there but we eventually worked it out.

I share this only to show you that personal finance is deeply mired issue for all of us which is further complicated when you get married. But itâ€™ll be ok, all is not lost. You CAN work it out! You donâ€™t need to agree on everything but you do need to have to be on the same page regarding your goals.

Here are my additions:

Discuss the minor things like name on the checkbook before you get married. Again, this was a huge issue for us because I did not change my name. This affects merging accounts and all around issues of maintaining individuality vs. simplicity. The latter because I like to have all accounts in front of me when reviewing finances as I do in Mint.

Discuss who will actually manage the money? Both? You? Him? Why? Who is actually more vested in the personal finances of your marriage? Huge responsibility.

See/Discuss the credit history before you marry so you know what youâ€™re getting into. I helped hubby erase 14 out of 17 bad debts through the Myfico dispute process so that when we were getting qualified for a house we were in the clear. One of the main issues that contribute to the divorce rate is money. And having an understanding about how your partner approaches debt/credit is helpful and believe it or not translates to how they approach other aspects of their lives.

Discuss when youâ€™re going to purchase a home. How much to put down? Heck, WILL you purchase a home? Thatâ€™s up for grabs these days.

What are your personal philosophies towards paying bills? You would be surprised how this differs. One likes to pay on the due date, the other faithfully pays 2 weeks before the due date.

Will you pay for your childâ€™s education? This is an ongoing debate in our house. I don’t plan to pay for it and Im ok with that but he does so we havenâ€™t come to a final decision yet. You can get a loan for college but you canâ€™t get one for retirement. Nuff Said.

Of course none of this is groundbreaking, but if you’re a newlywed and struggling with how to get on the same page, hopefully, these will help you get on the way.

photo credit: jstick80

Let me upgrade you!

Ginger — Thu, 20 Dec 2007 16:30:00 +0000

Lifestyle Upgrade: Making more money brings added expenses you didn’t previously consider.

When I moved to the DC metro area in 2003, I barely made enough to pay all of my bills, let alone shop a little or even go to a happy hour every now and again. I lived in a not so great area of town, couldn’t afford a car and my mom bought all of my clothes. 4 years later I own a home in a safer, nicer part of town, drive a car (with insurance!), shop more (ok Iâ€™m damn near shopaholic status) and will even admit to going to happy hours and dinner a bit more than I used to.

Touchdown
Upon moving here I was hit hard with the realities of paying rent and earning a meager salary. I couldn’t believe it, here I was with a college degree and barely making ends meet. I was dodging calls from my credit union seeking payment for a CC bill I hadn’t paid for the last 3-4 months and couldn’t even afford cable from the evil twits at Comcast.

Four years later, life has changed for me. And, while I am now a homeowner, drive a car and have cable. I also realize that certain lifestyle upgrades were made (most necessary) along the way.

Lift off
In the Being Poor is Expensive post I pointed out that your circumstances force you to make hard decisions about money. I wasn’t thinking about how the 90+ days delinquent credit card might affect me until the credit union representative caught me on the phone one afternoon and gave me a strong talk. I’ll never forget it. I remember rolling my eyes as she told me how the delinquency might affect my buying a house down the line. I was barely paying the $700 a month rent for my 750 sq ft apartment in Le Hood!

Letâ€™s look at my recent upgrades:

Mortgage
The mortgage is 3-4 times the amount I used to pay for my first apartment. Tack on paying home insurance, property taxes, home maintenance, utilities (included in rent) and the cost of furnishing the house since we started from scratch when we moved in.

Car
I couldn’t afford a car until I got a well deserved and needed raise. Prior to that I took the metro faithfully and risked walking home late at night from that dreadful station by myself. Now I still drive the same car but that’s because I can’t truly justify a new car until I drive this one into the ground. Takes a lick and keeps on ticking. Insurance, car note, maintenance, emissions testing, license registration and renewals are all associated costs with the upgrade of buying a car.

Cable
I had a short stint with cable when I first moved here and canceled it because at the time it wasn’t worth watching. Now our cable hovers around $80 depending on whatever “special” we can snag from Comcast.

Cell Phone
In college my cell phone bill was no more than $60 a month. I had 400 minutes and made it work! Now while I recently made the switch to AT&T which resulted in a drastically lower bill (more on that later), my bills were around $300-$400 on average for both of our cell phones with Verizon. Mad.Ness! What’s changed? I’m not exactly sure, other than I’m all grown up and just seem to talk more.

Lifestyle upgrades people! Are the needed? In most cases, yes. I wouldn’t NOT buy a house because rent is cheaper. Did I NEED a car? Yes, in order to consider job offers outside of the metro rail system. But there are some that are questionable and up to the individual. Some people (like my husband) canâ€™t live without the NBA League Pass and HBO boxing. Can I do without cable? Yes. Can he? No. So itâ€™s different for everyone.

Make the appropriate upgrades for your lifestyle keeping in mind its function and necessity. Unfortunately, as we make more we tend to spend more.

Girls Just Wanna Have Funds » Marriage

7 Savvy Ways To Be A Financial Asset In Your Relationship

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Tricia Walsh Smith: Reason #1 Why Women Should Marry Smart

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Fighting Fair about Finances: How do you measure up?

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The Smart Woman’s Guide for the Soon to be Divorced

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Sex? Money? What do you fight about more?

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The Five Mistakes Married Women Make

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Guest Post on Consumerism Commentary

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Personal Finance Tips For Newlyweds-Part 2

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Let me upgrade you!

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