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#171: The biggest study of everyday millionaires in 25 years – with Chris Hogan

January 7, 2019 By Paula Pant 7 Comments

Photo of Chris Hogan and Paula Pant at FinCon recording this podcast episodeChris Hogan is a former football player and Georgetown alum who became the Vice President of a well-respected company. By all accounts, he seemed successful. Yet he felt there was something missing.

He kept seeing families struggle with their personal finances, and he felt a calling to help. That’s when he met Dave Ramsey, who brought him into the Ramsey family to spread the word about smart money management and debt freedom. Chris has been a writer, speaker and influencer ever since.

Chris organized a survey of 10,000 millionaires in the United States. The last time anyone conducted a large-scale study of American self-made millionaires was 25 years ago, and documented in the classic book The Millionaire Next Door. While that book is fantastic, it’s also 25 years old. Chris wanted to gather current data, to see what’s changed since then, and what’s remained the same.

He published these findings in a new book called Everyday Millionaires, which details the life of individuals and households in the U.S. that have seven-figure net worths.

Here’s what he discovered:

[Read more…]

Filed Under: Episodes Tagged With: chris hogan, freshbooks, millionaires, policy genius, policygenius, rover, skillshare

#170: Ask Paula – When Should I NOT Use the One Percent Rule for a Rental Property?

January 4, 2019 By Paula Pant 1 Comment

Paula Pant Afford Anything Podcast Episode 92 Hiring all star rental property teamWhen should you NOT use the one percent rule for rental property investing? In today’s episode, I encourage two callers to violate the One Percent Rule for real estate that they already own.

WHAAATTTT? Why would I say that? Especially given that I’ve gained a bit of a reputation as The World’s Most Staunch Advocate of the One Percent Rule? (Long title, I know, but someone’s gotta wear it.)

And if you’re not going to use the One Percent Rule, how should you make decisions about your real estate investments instead?

Find out in this podcast episode. Enjoy!

Here’s more detail:

[Read more…]

Filed Under: Episodes Tagged With: ask paula, blinkist, freshbooks, gusto, one percent rule, real estate, real estate investing, rental properties, rover

#169: One Tweak a Week in 2019 — Easy Improvements to Your Financial Life in 2019

December 31, 2018 By Paula Pant 11 Comments

Photo of Paula PantHappy New Years! To kickoff 2019, we’ve created a free book called One Tweak a Week, outlining 26 easy, actionable ways that you can improve your financial life.

Today’s podcast episode covers these 26 tweaks, so you can listen in audio format, in addition to reading the book.

If you put these into action for the first six months of 2019, you’ll be in a stronger position in June than you started in January.

Each tweak takes less than one hour (some are as quick as five minutes), and taken together, these tweaks can accumulate into a serious impact.

Improve your money management and get closer to financial independence with our free book, One Tweak a Week. You can download it here: https://affordanything.com/2019

[Read more…]

Filed Under: Episodes Tagged With: personal finance, radius, radius bank, rothys, rover, skillshare, solo episode

#168: How to Optimize Your Time and Energy — with Mike Vardy, The Productivityist

December 24, 2018 By Paula Pant 1 Comment

Mike Vardy Afford Anything Podcast

You can do anything, but not everything … and definitely not everything at the same time.

How can you optimize your time and energy? How do you choose what’s worthwhile and what’s a waste of time?

How can you eliminate small decisions so that your mind is free to focus on the few choices that make a massive 10x impact?

How can you spend less time struggling with your Inbox, and more time on long-term projects that can boost your income?

[Read more…]

Filed Under: Episodes Tagged With: gusto, mike vardy, productivity, rover, skillshare

#167: Ask Paula – Should I Pay Off Student Loans While in School?

December 17, 2018 By Paula Pant 4 Comments

Photo of Paula and Joe for Ask Paula episode of Afford AnythingAngelisa is a college senior with $30,000 in student loans. She has a part-time job, from which she’s saved $2,500. Should she keep saving money, or should she get a headstart on paying down her student loans while she’s in school?

Mackenzie is also a college senior with some student loans. She recently received a settlement from a car accident. Should she invest this money? If so, how?

Franchesca is 35 and is carrying $212,000 in debt, mostly student loans. Could she reach financial independence, even with a late start?

Erica wants to make environmentally-friendly investments. How should she approach this?

Caroline is 42 and has started making after-tax (non-Roth) 401k contributions. Is this a good idea?

An anonymous listener is curious about podcasting. How did I get started?

I answer these six questions on today’s podcast episode, alongside former financial planner Joe Saul-Sehy. Enjoy!
[Read more…]

Filed Under: Episodes Tagged With: ask paula, betabrand, freshbooks, radius, robinhood, student loans

#166: Everything I Learned About Money Came from My Grandmother – with Michelle Singletary of the Washington Post

December 10, 2018 By Paula Pant 4 Comments

Image of Michelle SingletaryMichelle Singletary learned everything she knows about money from her grandmother.

Well, okay, I shouldn’t say “everything” that she knows. After all, Michelle also has an MBA from Johns Hopkins University. She writes about personal finance for the Washington Post. Her nationally-syndicated personal finance column, The Color of Money, is published in more than 100 newspapers nationwide. She’s written three financial books.

Oh, and guess what? Her column was nominated for a Pulitzer.

Michelle has been learning, thinking, writing, researching and speaking about money management for decades. Yet the most important education she received, she says, came from the lessons her grandmother taught her.
[Read more…]

Filed Under: Episodes Tagged With: freshbooks, legacy box, michelle singletary, money, personal finance, shipstation, simple contacts, washington post

#165: Ask Paula – Should I Invest in Index Funds or Rental Properties?

December 7, 2018 By Paula Pant Leave a Comment

Should Kim, an entrepreneur, invest in index funds or rental properties?

Should Nick, an MBA student, househack into a more-expensive home with stronger cash flow, or a cheaper home with more budgetary wiggle room?

Should Kelly, who is getting married soon, sell her current home and use the proceeds to buy multiple rentals? Or should she use her current home as a rental property?

Should Trayci and her sister invest in rental properties or bare land?

I answer these four questions in today’s episode.

We’re a weekly show, but on the first Friday of the month, we air a bonus episode. This is our December 2018 First Friday Bonus Episode.

Enjoy!
[Read more…]

Filed Under: Episodes Tagged With: ask paula, away travel, freshbooks, radius, radius bank, skillshare

#164: How and Why I Took a Mini-Retirement, with Bob Lotich

December 3, 2018 By Paula Pant Leave a Comment

Bob Lotich - Afford Anything Podcast 2As an entrepreneur, Bob Lotich loves growing and expanding. But after a particularly stressful year, he realized he had burned out.

He woke up one Monday morning and, for the first time since he’d started self-employment, he realized he didn’t want to go to work. This was a new and uncomfortable feeling.

He decided to take a mini-retirement.

He had taken long breaks before. In the past, Bob had taken a full month off of work. This time, he wanted to a more ambitious break. He wanted to take a quarter off.

He went to his whiteboard. He wrote the goal “take a sabbatical,” intending for this to last for three months. But then he paused. He wondered if he spelled the word “sabbatical” correctly.
[Read more…]

Filed Under: Episodes Tagged With: beta brand, entrepreneurship, freshbooks, policy genius, policygenius, tomorrowme

#163: Ask Paula – The Future of Index Fund Investing

November 26, 2018 By Paula Pant 4 Comments

Ask Paula and Joe - Should I Choose a Roth vs Traditional IRA and 401k for Early RetirementDoes my employer match count against my 401k contribution limits? Should I invest in a Traditional or Roth TSP? Should I invest more aggressively in stocks right now, or should I hold cash and bonds until the next downturn? Should I get a mortgage or keep renting until I can buy a home in cash? Do you think index investing will dramatically change in the coming decades?

Former financial planner Joe Saul-Sehy and I answer these five questions in today’s episode.

Sydni asks:
I’m trying to maximize my retirement savings this year. I’d like to max out my 401k to the maximum contribution limits of $18,500.

I also have an employer Safe Harbor contribution that equals three percent of my salary. Does this count towards the $18,500 limit?
[Read more…]

Filed Under: Episodes Tagged With: ask paula, blue apron, gusto, index funds, investing, le tote, robinhood

#162: AI and The Future of Jobs – with author Darrell West

November 19, 2018 By Paula Pant 9 Comments

Darrell West on The Future of Work - Afford Anything PodcastHow will artificial intelligence, AI, impact jobs?

Former Harvard president and leading economist Larry Summers predicts that one-third of men will be out of work by 2050. Finance guru Suze Orman says not to be surprised if we see 25 percent unemployment by 2030. And major research institutions predict anywhere from 14 percent to 50 percent unemployment.

Even if we take the most optimistic prediction, that’s huge. Fourteen percent job loss would have massive ramifications on the economy, the stock market, the housing market, and every facet of our lives. Heck, even half of the most optimistic prediction would be an enormous game-changer.

But could this really be possible? Or is everyone panicking about what will essentially be a shift in the types of jobs that people hold — reminiscent of our shift from farm to factory, and from factory to office — but not an actual net job loss?
[Read more…]

Filed Under: Episodes Tagged With: ai, artificial intelligence, author, darrell west, freshbooks, gusto, interview, radius, radius bank, shipstation, work

#161: Ask Paula – How Can I Get My Friends Interested in FIRE?

November 12, 2018 By Paula Pant 6 Comments

Paula Pant episode 161In today’s episode, I answer two questions about financial independence and the FIRE movement, followed by four questions about rental property investing.

Matt asks:
I’m interested in achieving financial independence, and I want to encourage my friends to pursue the same goal. What podcast episodes provide a light, digestible introduction to the world of financial independence and retiring early?

Daniel asks:
Do you have any opinions on the saturation of financial independence blogging and podcasting pursuit. It seems like everyone who pursues FIRE has a blog or a podcast. It almost seems like making extra money by blogging or podcasting about FIRE is a necessary step to achieving financial independence. This seems contradictory. What’s the point?
[Read more…]

Filed Under: Episodes Tagged With: beachbody, early retirement, financial independence, FIRE, freshbooks, gusto, real estate, ziprecruiter

#160: The Paradox of FI — with Jonathan Mendonsa and Brad Barrett of Choose FI

November 5, 2018 By Paula Pant 11 Comments

chooseFI podcast jonathan and brad on afford anything FIREWhen Jonathan Mendonsa was 18, he researched which college degrees lead to the highest income.

Pharmacy was near the top of the list of high-paying degrees, so Jonathan decided to become a pharmacist. He wasn’t motivated by passion or calling. His decision was purely tactical. He wanted to make money.

He spent four years in college, followed by another four years of graduate school. By age 28, he held a Doctorate in Pharmacy and an astounding $168,000 in debt.

This debt burden might have been bearable if Jonathan loved his chosen profession. For people who love their fields, tuition is the price of being able to enjoy a lifetime of work they love.

Unfortunately, that wasn’t Jonathan’s story. He never held a passion for pharmacy; he viewed it purely as a means to an end. Perhaps it wasn’t surprising, then, that shortly after becoming a pharmacist, he realized that this wasn’t what he wanted to do with his life.

He wanted to change careers. He wanted to pursue more meaningful, fun, interesting work.

He spent the next four years repaying his student debt. And finally, at age 32, he brought his net worth up to zero.
[Read more…]

Filed Under: Episodes Tagged With: choose fi, FI, financial independence, freshbooks, policy genius, policygenius, radius, radius bank, tomorrowme

#159: Ask Paula – I Have Three Kids and I’m Hoping for Financial Independence

November 2, 2018 By Paula Pant 4 Comments

Paula Pant Afford Anything Podcast Ep 118

Should a 36-year-old father of three invest primarily in Traditional or Roth retirement accounts? Should Rose, a grandmother of four, open a Vanguard account for each of her grandchildren?

Should Nancy, who lives overseas and is the sole breadwinner in her family, invest in a Traditional or Roth TSP? Should Scott’s wife rollover her 403(b) from her former employer into an IRA? Should Patrick, age 35, cancel his life insurance plan?

Former financial planner Joe Saul-Sehy and I answer these five questions in today’s episode.

Our first caller is Mr. “Three Kids and Still Hoping for FI,” who asks:
As a young man I saved heavily into my traditional 401(k), less because of good long-term planning and more because that’s my natural way.

Last year learned about the FI movement, and I’m hoping to reach FI.

However, I’m 36 and married with 3 young kids, and I’m battling my expenses to regain the deep saving rates of my youth. While I have a healthy traditional 401(k) which has been my main investment for a decade, my work also offers the dual option of a Roth 401(k). I’ve saved about 5 percent of my worth there.

[Read more…]

Filed Under: Episodes Tagged With: ask paula, beta brand, betabrand, freshbooks, gusto, personal finance, radius, radius bank

#158: What I Love About the FIRE Movement – with Clark Howard

October 29, 2018 By Paula Pant 5 Comments

Afford Anything - Paula Pant interviews Clark HowardClark Howard loves the FIRE movement. That’s because he’s one of us.

Clark began investing in real estate at age 22, started a travel agency at age 25, and retired at age 31.

He sold his travel agency, moved to the beach and relaxed for four years; then he started a second career as the host of The Clark Howard Show, a popular radio show that’s syndicated nationwide.

Today, he’s a personal finance celebrity. His website receives more than 50 million views per year. He has more than 1.1 million followers on Facebook.

[Read more…]

Filed Under: Episodes Tagged With: blue apron, clark howard, early retirement, financial independence, FIRE, freshbooks, le tote, shipstation

#157: Ask Paula – Can You Force a Rental Property to Cash Flow?

October 22, 2018 By Paula Pant 2 Comments

Ask Paula 114 How should I invest 100k in real estateWe’re back with another Ask Paula – Real Estate Edition of the show!

In this episode, we cover down payments, cash flow, investing in condo hotels, building a rental on the side of your own house, selling your properties, and whether it’s better to buy actual properties or REITs.

Erin asks:

Would you ever put 30% down (or more) in order to make a rental property cash flow positive?

Ayv asks:

In 4-5 years, I’d like to have a rental property for diversification and passive income. Is it better to stick with the plan to buy rentals, or should I go into REITs?

Additionally, if I want to invest in rentals, where should I look?

Rod asks:

Could you tell me if investing in condo hotels as a rental property is a good idea? I’m 10 years away from retirement, and I was thinking of buying one in Las Vegas, since I plan to move there when I retire.

[Read more…]

Filed Under: Episodes Tagged With: ask paula, away travel, freshbooks, gusto, radius, radius bank, real estate

#156: How to Build Incredible Habits – with James Clear

October 15, 2018 By Paula Pant 9 Comments

James Clear Afford Anything PodcastJames Clear wanted to start flossing, but he never managed to follow through. Despite his best intentions, his dental floss sat unused in a bathroom drawer.

Fortunately, James had learned a thing or two about human behavior and habit formation. As a self-improvement writer, he’d spent hours pouring over scientific data about behavior changes. He decided to apply a few of these concepts to his own quest.

First, he placed the floss on the bathroom counter, rather than tucking it inside a drawer. He made the floss visible.
[Read more…]

Filed Under: Episodes Tagged With: beachbody, freshbooks, gusto, james clear, radius bank

#155: Ask Paula & Joe – How Can I Send My Four Children to College?

October 8, 2018 By Paula Pant 12 Comments

Paula Pant Ask Paula How can I afford to send four kids to collegeHow can a schoolteacher dad and stay-at-home mom send their four kids to college? Where should a 23-year-old keep the savings that she’s accumulating to buy a home by the time she’s 27 or 28?

What should a listener know about retirement planning if he has a pension? And should a listener rollover his 401k from my his former employer?

Former financial planner Joe Saul-Sehy and I tackle these four questions in this week’s episode. Here are the details.

Miguel asks:
When I hear friends and coworkers talking about college tuition for their kids, all I can think about is how in the world am I going to send my four kids to college? I think I have a plan – I’d love to hear your opinion.

From what I hear, college can be between $20,000 to $50,000 per year.
[Read more…]

Filed Under: Episodes Tagged With: ask paula, freshbooks, gusto, policy genius, policygenius, ziprecruiter

#154: You’ll Need at Least $10 Million to Retire Early, says Suze Orman

October 5, 2018 By Paula Pant 36 Comments

Want to retire early? You’ll need at least $5 million, more likely $10 million, says famous financial personality Suze Orman.

I should know. She said that to me, directly, on this podcast.

I asked Suze for her opinion about a frugal, flexible person who wants to retire early with a $2 million portfolio. She warned that retiring would be a massive mistake.

“Two million dollars is nothing,” Suze said. “It’s nothing. It’s pennies in today’s world, to tell you the truth.”

Wait, what?
[Read more…]

Filed Under: Episodes Tagged With: blinkist, bonus friday, gusto, radius bank, reaction podcast, simple contacts, solo episode, suze orman

#153: Why I Hate the FIRE Movement, says Suze Orman

October 1, 2018 By Paula Pant 158 Comments

Suze Orman Afford Anything Podcast I Hate the FIRE MovementA few weeks ago, Suze Orman’s team reached out to me and asked if I’d be interested in chatting with Suze on my podcast.

“Duh,” I replied.

Suze Orman is one of the most famous voices in the world of personal finance. From 2002 to 2015, she hosted The Suze Orman Show on CNBC. She’s the author of 10 mega-bestselling books, she wrote a financial column for O, The Oprah Magazine, and she’s made multiple appearances on The Oprah Winfrey Show.

I read her latest book in preparation for the interview, but I felt at a loss for what to ask her. So I turned to my audience, knowing that many of the people who read my blog and listen to my podcast are also Suze fans.
[Read more…]

Filed Under: Episodes Tagged With: blue apron, early retirement, financial independence, FIRE, gusto, shipstation, suze orman, tomorrowme

#152: How to Make Better Decisions — with Dr. Brian Portnoy

September 24, 2018 By Paula Pant Leave a Comment

Dr. Brian PortnoyDr. Brian Portnoy is an expert in making decisions.

He holds a Ph.D. from the University of Chicago, he’s a Chartered Financial Analyst, and he’s the Director of Investment Education at Virtus Investment Partners.

Dr. Portnoy joins me on the podcast to discuss how to make smarter decisions — not only about investments, but also generally in life. How do we sharpen our decision-making skills? How do we improve our critical thinking processes?

Here are some of the takeaways from our conversation.

1. Beware of resulting.
Great results can come from poorly-planned decisions. And wise decisions can lead to good results on occasion.

Don’t judge a decision based on its results; judge a decision based on the soundness of the thinking process through which you made that choice.

[Read more…]

Filed Under: Episodes Tagged With: brian portnoy, decision making, freshbooks, le tote, radius, radius bank, simple contacts

#151: Ask Paula – “I Feel Like I Don’t Deserve My Success. What Should I Do?”

September 17, 2018 By Paula Pant 2 Comments

Ask Paula Pant Afford Anything Episode 104We’re back with another “Ask Paula” episode of the show! As usual, my friend and former financial advisor, Joe Saul-Sehy joins me in answering your questions!

Let’s dive right in.

Hailey:
I just graduated from college with a major in Computer Science and minor in Graphic Design. The whole time – it was rough. I come from a family that didn’t have a lot to give me going into this journey of getting a college degree. So I did it basically on my own – they gave me things here and there – but college is expensive. I wound up getting scholarships and taking on student loans to get through. It was a lot of hard work. Some days, I wanted to quit. I felt like I was never ever going to see the benefits of what I was doing.

Well, I am now at a point in my life where I was able to secure a job (I started a week after graduation) making $80k a year. Obviously, this is great – this is what you’re supposed to do when you graduate with a Comp Sci degree. But for some reason, I don’t know if it’s guilt or shame, but I feel bad watching my friends and family struggle, while I don’t have those struggles anymore. I find myself asking if I deserve this – to have a nice apartment, to have nice things. Inherently I know I deserve it because I worked so hard, but I don’t know …

My question is – do you have any advice for me to help me understand what it is I’m feeling? How I can feel better about it?

[Read more…]

Filed Under: Episodes Tagged With: ask paula, beachbody, blinkist, freshbooks, radius, radius bank

#150: How I Reached Financial Independence through Real Estate – with Chad Carson

September 10, 2018 By Paula Pant Leave a Comment

Chad Carson - Afford Anything PodcastChad Carson’s friends called him a “nerdjock.”

When former college football linebacker Chad Carson graduated from Clemson University, he decided to start a business. But he didn’t have any money.

He was a 235-pound athlete who attended college on a football scholarship. He graduated debt-free with $1,000 in savings from various odd jobs. He wanted to become an entrepreneur, and he knew he was starting from zero.

As Chad viewed it, starting from zero meant he had nothing to lose.

He started jogging around local neighborhoods near the university. Whenever he noticed a property in disrepair, he’d ask if it was for sale.

If he noticed a ‘For Sale by Owner’ sign in the yard, for example, he’d dial the number.

If he noticed a home with an overgrown lawn and no curtains in the windows, he’d leave a note on the door, or he’d knock on the neighbor’s doors to get the owner’s phone number.

By doing this, Chad started a real estate wholesaling business. He’d find off-market properties, enter into a sales contract with the owner, and then ‘flip’ the contract to an investor. He earned around $5,000 for each deal.

[Read more…]

Filed Under: Episodes Tagged With: chad carson, coach carson, grove, gusto, policy genius, real estate, zip recruiter, ziprecruiter

#149: Tell me about something that scared you — from Camp FI

September 7, 2018 By Paula Pant Leave a Comment

Welcome to the September 2018 First Friday bonus episode!

We recorded this episode at Camp FI, which stands for Camp Financial Independence. It’s a gathering of people who are pursuing financial independence; we spend a few days eating, drinking, and having late-night poolside conversations about money. There are several Camp FI’s throughout the year; I recorded this bonus episode at the Camp FI at Joshua Tree National Park in Southern California in early August.

I invited several of the people at Camp FI to come to the microphone and share one thing: “Tell me a story about something you did that scared you.”

[Read more…]

Filed Under: Episodes Tagged With: camp fi, financial freedom, financial independence, freshbooks, gusto, radius, radius bank, simple contacts

#148: Ask Paula – Should I Sell My House and Invest the Equity?

September 3, 2018 By Paula Pant 2 Comments

Welcome to a special episode of Ask Paula!

Today I’m answering questions about real estate investing, and I’ve brought a special guest on the show to join me.

His name is Lucas Hall, and he’s a landlord with 5 properties in three locations (D.C., Virginia and Colorado). He’s also the founder of Landlordology and head of investor relations with Cozy. We met about five or six years ago through blogging about rental properties, and I invited him on the show today to answer questions alongside me.

Anonymous asks:

If you have significant equity in a home due to market appreciation, what’s the best way to leverage the value of this equity? Should you sell? Refinance? Something else?

Here’s a quick snapshot of the answer:

You have three options: sell, cash-out refinance, or take out a HELOC.

[Read more…]

Filed Under: Episodes Tagged With: ask paula, blinkist, blue apron, freshbooks, real estate, shipstation, tomorrowme

#147: How to Believe Your Time is Abundant, with Laura Vanderkam

August 27, 2018 By Paula Pant Leave a Comment

Which of the following two attitudes describes you?

  • “I’m crunched for time.” — or —
  • “I have all the time in the world.”

I’m guessing your answer is the first, rather than the second. But what if you could feel like your time is expansive and abundant, without drastic changes to your schedule?

Most of us want to feel “off the clock,” enjoying an existence in which we can linger, without feeling pressure from the demands and stresses on our schedules. According to Laura Vanderkam, even the busiest, most-scheduled people can achieve this feeling. We can live off-the-clock.

Laura is a time management expert, but her latest book isn’t about management in the traditional sense of the word. Rather, it focuses on time perception — getting into the headspace of believing time is abundant, regardless of the demands imposed upon it.

[Read more…]

Filed Under: Episodes Tagged With: bluehost, freshbooks, grove, laura vanderkam, simple contacts, time management

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Recent Episodes

  • #171: The biggest study of everyday millionaires in 25 years – with Chris Hogan
  • #170: Ask Paula – When Should I NOT Use the One Percent Rule for a Rental Property?
  • #169: One Tweak a Week in 2019 — Easy Improvements to Your Financial Life in 2019
  • #168: How to Optimize Your Time and Energy — with Mike Vardy, The Productivityist
  • #167: Ask Paula – Should I Pay Off Student Loans While in School?
  • #166: Everything I Learned About Money Came from My Grandmother – with Michelle Singletary of the Washington Post
  • #165: Ask Paula – Should I Invest in Index Funds or Rental Properties?
  • #164: How and Why I Took a Mini-Retirement, with Bob Lotich
  • #163: Ask Paula – The Future of Index Fund Investing
  • #162: AI and The Future of Jobs – with author Darrell West

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