Hi Boss, good n clear review. Well done ! Both my wife n i had transfer OA to SA till FRS limit. No more mortage 4 our 4 rm flat. Also using OA buying keppel, Ocbc n Mnact for past few yrs. Sell when profit hit , also collecting dividend at the same time .
Nice to hear that vincent. While many feel sg shares have no hope, i do believe what youve bought has a strong possibility of delivering more than 2.5% in long term
Singapore is politically stable. Global investment grows faster but also higher risk.... possible US & Russia conflict over Ukraine ..... and Taiwan conflict in the South China Sea etc etc...
@@hbu8012 doubt Russia dare 2 invade Ukarine as Russia 's economy already in bad shape . Will be yrs when PRC dare 2 invade ROC , its economy will suffer a lot as EU, USA,Japan n Aussie will implement economic embargo .
maxed out frs last week n waiting 8 years to bump it to ERS at 55. our outlooks are different so respectfully there is no right or wrong. what I observe is there'll be many who are unable to hit FRS at 55 but still financing properties etc. And young people (under 35) tend to expect their employment to be safe and/or always in the pink of health to work beyond 60. it's akin to revving the engine over 5k rpm for the longest distance and expecting it to keep going. undoubtedly, money is important but it's not how much one makes but rather, spends....be a poor RICH man or vice versa. As always, great work on the vid!
Great video again Josh. I thought you put across well your 3rd point on not maxing out your "quota" (i.e FRS) in SA via RSTU so as to achieve tax relief. This is same reason why I hesitate to shift my OA to SA, because the substantial tax relief you get. Also liked how you tried to explain which target groups e.g. no income, low tax families would benefit from the OA to SA shift. Keep up the good work!
There are other avenues like SRS and topping up for spouse or parents...also I would like to think of FRS as the first tier of kueh lapis...you should build this up and then move on to other objectives.... great vids btw
Thank you Josh.. I have benefitted so much from your forthright sharing. You are a godsend. Anyway, I am 46 this year and a few thousands away from FRS. Am I still able to contribute to ERS beyond 55? Can I pledge my property to achieve ERS?
Hi, I think theres some confusion. ERS is if u have SPARE cash or OA that you want to pump to retirement account after age55. Pledge property is used for someone who doesnt have spare and wants to take out some CPF for use. With pledge of property, BRS amount to be locked in and rest can be taken out
great video Josh! just one qu. for DPS, if one does not have any dependents or pass down to.. is it still beneficial to continuing paying this or cancel off?
Its one of the cheaper forms of death/tpd cover. And you never know in life. If you are certain no purpose of it, you decide your steps. My general thinking is, its a very small price, dont waste time thinking too hard about it
Hi Josh , thank you for your wonderful insights as usual. I just turn 55 and already top up my EHRS to max and balance 100k in OA but very little in My SA. I still have an outstanding bank loan which I am paying 3/4 cash and 1/4 OA . Make sense for me to transfer half my OA to SA to enjoy the higher interest ? I am still working and contributing to CPF. Thanks for advice.
Hi Josh, I come across your channel and find it very useful… I am currently 52 and soon 55.. Do you have a video advising if we should draw out our CPF at 55 or leave it in CPF and draw it down over time? And if the suggestion is the latter, do you have an math example of how much we can likely draw down monthly?
Thanks Josh. I wish you had made this video earlier. I transfered my OA->SA earlier this year and my SA is $189+k now. With the year end interest coming in my SA will likely go above $192k on Jan 1st 2022. That means I will not be able to do RSTU for tax relief in 2022, and possibly for many years (because the yearly SA contribution from income + SA interest is usually > yearly growth of FRS limit)? That is a big blow. Do you think if there is any workaround e.g. transfer SA $$ to spouse (not sure if it is possible)? I don't want to lose the RSTU tax relief for years. :-(
If you are not self employed like me, I will top up my MA on 1 Jan every year to the new ceiling. You can at least still have 3000 tax relief for 2022.
Just wondering if the interest earned by maxing out FRS early would exceed the potential income tax relief per year if I’m expecting my income to not exceed 130k in the near future 🤔
Hi Josh, you mentioned that SA can only be used to buy some bonds / funds. So my question is for SA Shielding, if let's say two weeks prior to age 55, I use eg. $200K (leaving behind $40K in SA) to buy Nikko AM Shenton short-term bond. Will I be able to buy it one shot? 'cos I've not invested in bonds before and not sure whether is huge amounts like $200K can be used to buy such a short-term bond or is there some limit by CPF that I'm unaware ? Await your advise, Thank you.
Bond funds, yes you can buy one shot. Limit is amounts above the $40k mark. Check this video - JOSH REACTS 😉 Investing For Your Retirement BY CNA INSIDER With CPF SHIELDING FUND BREAKDOWN ua-cam.com/video/oas4nYBxbTA/v-deo.html
Maybe put into SRS and invest that? I decided to max out my SA because it's kind of a reassurance to me that no matter how the market performs, at least I have a safety net in retirement. I'd maxed out my MA in 2020, but I realized when 2020 became 2021, the BHS increased and now I'm suddenly not at BHS anymore. Because the interest credited at the end of the year happened on 31 Dec 2020 while the BHS increased on 1 Jan 2021. Which meant I had that space to top up some MA as well. Something to consider.
Agree with Josh little can be done. But some little things that still can be done is when MA is deducted for med expenses or insurance, we can top it up to BHS before salary is credited.
If we have achieve the FRS before the Age 55, is it good to transfer the entire OA to SA? Could we use the entire OA to fund for children University Fee? One of the possibility also in future would downgrade to a smaller property.
Cant transfer entire OA to SA once SA is at FRS. Singapore university fees are actually not as expensive as feared. It’s overseas ones typically… cya around
Hi Josh, can I clarify with you for the extra 1% that you mentioned at the beginning, If I have both 50,000 in OA and SA, does that mean that only 30,000 entitled to that 1%, 20K from OA , 10K from SA,
@@joshconsultancy hi josh, how how is the extra 1% being distributed? Is it 1% for 20k in OA, 20k in SA, 20k in MA if there is at least 20k in each of the 3 account? And if OA acc is less than 20k (eg 10k), how will the distribution like assuming SA and MA has 50k each ?
Can do a comparison between partial capital repayment for HDB loan. I feel when we make partial repayment, we gain an interest of at least about 2.6%, government guaranteed. It would even be better if the repayment period remains unchanged, only reduce the monthly deduction from CPF. Cos money inflates, the longer we keep the repayment period the better.. :)
Any amount repaid to hdb loan will be 2.6%pa “saved”. The question revolves around refinancing it lower with banks or fully paying off if you’re earning only 2.5% in cpf
How would the considerations change if the topping up of SA would be funds from parents? While his may be eating up the quota for rstu in the future, that is undeniably an element of compound interest as well over time. Also am I right to think that by the time I hit the higher tax bracket, my SA more or less also reach the FRS Leaving me no chance to do RSTU anyway.. please share your thoughts. I would be interested to know thank you.
@@joshconsultancy I see thanks. I heard from another of your videos that you have a video on whether you would top up your kids CPF accounts. Could you send me that link please?
There is one missing point here with regards to total maximum annual CPF contributions----> The maximum amount of mandatory CPF contributions and voluntary top-ups that a person (employee or self-employed person) can make in a calendar year is subject to the CPF Annual Limit of $37,740. So some members who are not anymore able to top up voluntarily their SA as their employment contribution is already maxed out, the only best option is to transfer OA to SA funds up to FRS.
Hi Josh ,I'm going to retire, if I don't have housing loaned and already have full retirement fund in my CPF , sametime I have 400k in my OA, can I transfer all my AO to SA ,to earn higher interest without investment? Thanks
No probs Hongtc. OA to SA is only before age55 and if dont have Full retirement sum in SA yet. If you are above age55 you can only transfer to RA. Cya around
How much tax return you can get from 7k or 8k even if over $80k annual income? $800 per year?. How much you get from the extra 1.5% interest of the transfer amount? Is it more than tax relief. If Ignore the OA investment.
Hi Josh, i am 54 soon this yr. should i transfr my OA to my SA( now is 170k) & borrow 22k fr HDB? I hv about 320k in OA which i intend to fully pay for my 2nd BTO flat + top up cash 190k. Thks in advance.
Hi CKW, Ive to avoid giving specific advice here. Do contact a qualified adviser for advice. This video might interest you JOSH REACTS 😉 Investing For Your Retirement BY CNA INSIDER With CPF SHIELDING FUND BREAKDOWN 👍 ua-cam.com/video/oas4nYBxbTA/v-deo.html .
i have 540$ monthly mortage to pay for using my CPF OA (17 more years left). Currently, I have $17000 left in CPF OA. Should i set aside 12 months worth of payment in CPF OA and use the rest to lump sum pay off my mortage ?
If i used some CPF OA to pay for my home downpayment.. does it reduce the FRS? What i mean (Currently i have 130K in CPF. But could have 190K in CPF. I have used 60K for home downpayment). So what is my FRS? is it 130k or 190k?
@@joshconsultancy as for me I am working still. I am working to reach BHS for my MA. The remaining allocation will move to SA . This will super charge my SA. I can use my excess OA to invest in instruments which give higher returns than 2.5%. Long term profit in OA which be transferred to SA to reach FRS faster. This is my plan. I am not sure if there is a faster way. 😅
Just what I need to know. Thanks Josh! 😄 One question, bro... In Jan 2022, FRS = 192K ERS = 288K My current SA level is 180K, Can I top up my SA from 180K to 288K using my OA ?? Thanks 🥂
Could you make a video discussing if ERS is worth it? Based on current numbers there is almost a 100k difference between ERS and FRS but only an estimated $700 difference in payout per month. In that case is it worth it to remove all but FRS sum then invest that into equities and bonds which can provide more flexibility, potentially higher returns and help build generational wealth as opposed to locking up that additionally amount into ERS?
@@stevenyip2631 i totally agree. monies in RA totally cannot touch as it will be kept then distributed throughout one's lifetime. my take is to opt for frs, then the remaining sum used as atm for daily expenses. once past 55, the desire for all things ostensible will simply melt away. Life is to be enjoyed, not employed after 55...lol!
@@joshconsultancy my MA already max on its own. I only transfer a small portion of OA to SA. I think if I dun do anything top ups, by then the SA is likely max on its own in around 2 years? Since I don
Haha just wana put it on record I'm not official. Just a layperson here. Anw thanks as always. Your videos are very helpful and applicable to my age group 🤫😃
Hi Boss, good n clear review. Well done ! Both my wife n i had transfer OA to SA till FRS limit. No more mortage 4 our 4 rm flat. Also using OA buying keppel, Ocbc n Mnact for past few yrs. Sell when profit hit , also collecting dividend at the same time .
Nice to hear that vincent. While many feel sg shares have no hope, i do believe what youve bought has a strong possibility of delivering more than 2.5% in long term
Singapore is politically stable. Global investment grows faster but also higher risk.... possible US & Russia conflict over Ukraine ..... and Taiwan conflict in the South China Sea etc etc...
@@hbu8012 doubt Russia dare 2 invade Ukarine as Russia 's economy already in bad shape . Will be yrs when PRC dare 2 invade ROC , its economy will suffer a lot as EU, USA,Japan n Aussie will implement economic embargo .
maxed out frs last week n waiting 8 years to bump it to ERS at 55. our outlooks are different so respectfully there is no right or wrong. what I observe is there'll be many who are unable to hit FRS at 55 but still financing properties etc. And young people (under 35) tend to expect their employment to be safe and/or always in the pink of health to work beyond 60. it's akin to revving the engine over 5k rpm for the longest distance and expecting it to keep going. undoubtedly, money is important but it's not how much one makes but rather, spends....be a poor RICH man or vice versa. As always, great work on the vid!
Thanks Henry. Agree with your points ^
Great video again Josh.
I thought you put across well your 3rd point on not maxing out your "quota" (i.e FRS) in SA via RSTU so as to achieve tax relief. This is same reason why I hesitate to shift my OA to SA, because the substantial tax relief you get.
Also liked how you tried to explain which target groups e.g. no income, low tax families would benefit from the OA to SA shift. Keep up the good work!
Thank you for the high praise. Share the explanation to anyone who is weighing on the idea too
Hi Josh, at 2:03 you mentioned transfer from CPF-SA to CPF-OA? Should it be the other way around?
You are right, spoke wrongly 😅
There are other avenues like SRS and topping up for spouse or parents...also I would like to think of FRS as the first tier of kueh lapis...you should build this up and then move on to other objectives.... great vids btw
Thanks Thomas
Thank you Josh.. I have benefitted so much from your forthright sharing. You are a godsend. Anyway, I am 46 this year and a few thousands away from FRS. Am I still able to contribute to ERS beyond 55? Can I pledge my property to achieve ERS?
Hi, I think theres some confusion. ERS is if u have SPARE cash or OA that you want to pump to retirement account after age55. Pledge property is used for someone who doesnt have spare and wants to take out some CPF for use. With pledge of property, BRS amount to be locked in and rest can be taken out
@@joshconsultancy Thanks for clarifying. I will definitely continue to contribute to my RA beyond 55 to try and achieve ERS.
Very good advice, thank you for sharing the blind spots of transferring OA to SA.
Share w a friend who should hear too :)
Hi Josh,
One question. If I plan to transfer some OA amount, will be it the SA or the MA? Should I max out my MA first? Thanks
OA can only transfer to SA via RSTU. Cannot be to MA
@@joshconsultancy
Thank you for the information
@@joshconsultancy I can transfer OA to SA and also get tax the 8k tax relief?
great video Josh! just one qu. for DPS, if one does not have any dependents or pass down to.. is it still beneficial to continuing paying this or cancel off?
Its one of the cheaper forms of death/tpd cover. And you never know in life. If you are certain no purpose of it, you decide your steps. My general thinking is, its a very small price, dont waste time thinking too hard about it
Hi Josh , thank you for your wonderful insights as usual. I just turn 55 and already top up my EHRS to max and balance 100k in OA but very little in My SA. I still have an outstanding bank loan which I am paying 3/4 cash and 1/4 OA . Make sense for me to transfer half my OA to SA to enjoy the higher interest ? I am still working and contributing to CPF. Thanks for advice.
Hi David, after 55 i think you cannot move OA to SA.
This is a really good one. Well done Josh
Thanks. Share with a friend who should hear it k
V good J Tan regarding tax saving using RSTU
Hi Josh, I come across your channel and find it very useful… I am currently 52 and soon 55..
Do you have a video advising if we should draw out our CPF at 55 or leave it in CPF and draw it down over time?
And if the suggestion is the latter, do you have an math example of how much we can likely draw down monthly?
Thanks Josh. I wish you had made this video earlier. I transfered my OA->SA earlier this year and my SA is $189+k now. With the year end interest coming in my SA will likely go above $192k on Jan 1st 2022. That means I will not be able to do RSTU for tax relief in 2022, and possibly for many years (because the yearly SA contribution from income + SA interest is usually > yearly growth of FRS limit)? That is a big blow. Do you think if there is any workaround e.g. transfer SA $$ to spouse (not sure if it is possible)? I don't want to lose the RSTU tax relief for years. :-(
Share with a friend who should hear on what are the pros and cons. Spouse can only if spouse less than $4k/y income and not FRS in sa
If you are not self employed like me, I will top up my MA on 1 Jan every year to the new ceiling. You can at least still have 3000 tax relief for 2022.
Just wondering if the interest earned by maxing out FRS early would exceed the potential income tax relief per year if I’m expecting my income to not exceed 130k in the near future 🤔
Think longer term future w a promotion? Check the math on $200k? Once the window is closed, its permanent. Cya around
Enjoyed your video. However, when I tried to transfer from OA to SA, the criteria is that one must be below 55 yo. 🤨
yes! above 55 is OA to RA only
Hi Josh, you mentioned that SA can only be used to buy some bonds / funds. So my question is for SA Shielding, if let's say two weeks prior to age 55, I use eg. $200K (leaving behind $40K in SA) to buy Nikko AM Shenton short-term bond. Will I be able to buy it one shot? 'cos I've not invested in bonds before and not sure whether is huge amounts like $200K can be used to buy such a short-term bond or is there some limit by CPF that I'm unaware ? Await your advise, Thank you.
Bond funds, yes you can buy one shot. Limit is amounts above the $40k mark. Check this video - JOSH REACTS 😉 Investing For Your Retirement BY CNA INSIDER With CPF SHIELDING FUND BREAKDOWN ua-cam.com/video/oas4nYBxbTA/v-deo.html
Great video for those starting up to plan ahead. Would be great if there's video for those already meeting FRS/ERS and max MA, what else can they do?
Nothing much left, really 😅
Maybe put into SRS and invest that? I decided to max out my SA because it's kind of a reassurance to me that no matter how the market performs, at least I have a safety net in retirement. I'd maxed out my MA in 2020, but I realized when 2020 became 2021, the BHS increased and now I'm suddenly not at BHS anymore. Because the interest credited at the end of the year happened on 31 Dec 2020 while the BHS increased on 1 Jan 2021. Which meant I had that space to top up some MA as well. Something to consider.
Agree with Josh little can be done. But some little things that still can be done is when MA is deducted for med expenses or insurance, we can top it up to BHS before salary is credited.
Great content and well explained concept. Thank you Jose.
No probs. Invite in a friend who should hear too
If we have achieve the FRS before the Age 55, is it good to transfer the entire OA to SA? Could we use the entire OA to fund for children University Fee? One of the possibility also in future would downgrade to a smaller property.
Cant transfer entire OA to SA once SA is at FRS. Singapore university fees are actually not as expensive as feared. It’s overseas ones typically… cya around
Hi Josh, if FRS is maxed out where does the earned interests go to? Can we transfer that earned interests at age 55 to top up ERS?
Oa and SA Interest will still go to the respective account. After 55, RA is opened. You can fill it up yes w interest earned in ur oa also
Hi Josh,
can I clarify with you for the extra 1% that you mentioned at the beginning, If I have both 50,000 in OA and SA,
does that mean that only 30,000 entitled to that 1%,
20K from OA , 10K from SA,
No you will get $60,000 worth of extra 1% in ur case. Btw medisave also counts
@@joshconsultancy hi josh, how how is the extra 1% being distributed? Is it 1% for 20k in OA, 20k in SA, 20k in MA if there is at least 20k in each of the 3 account? And if OA acc is less than 20k (eg 10k), how will the distribution like assuming SA and MA has 50k each ?
Can do a comparison between partial capital repayment for HDB loan. I feel when we make partial repayment, we gain an interest of at least about 2.6%, government guaranteed. It would even be better if the repayment period remains unchanged, only reduce the monthly deduction from CPF. Cos money inflates, the longer we keep the repayment period the better.. :)
Any amount repaid to hdb loan will be 2.6%pa “saved”. The question revolves around refinancing it lower with banks or fully paying off if you’re earning only 2.5% in cpf
We can always topup SRS for tax relief after FRS. Great video by they way!
When in high income zone, do both if can
How would the considerations change if the topping up of SA would be funds from parents? While his may be eating up the quota for rstu in the future, that is undeniably an element of compound interest as well over time. Also am I right to think that by the time I hit the higher tax bracket, my SA more or less also reach the FRS Leaving me no chance to do RSTU anyway.. please share your thoughts. I would be interested to know thank you.
I value the tax relief alot. And believe compounding can be done via CPFOA investment as touched on in the discussion points of the video
@@joshconsultancy I see thanks. I heard from another of your videos that you have a video on whether you would top up your kids CPF accounts. Could you send me that link please?
There is one missing point here with regards to total maximum annual CPF contributions----> The maximum amount of mandatory CPF contributions and voluntary top-ups that a person (employee or self-employed person) can make in a calendar year is subject to the CPF Annual Limit of $37,740. So some members who are not anymore able to top up voluntarily their SA as their employment contribution is already maxed out, the only best option is to transfer OA to SA funds up to FRS.
voluntary SA top up is RSTU, the $7k limit for 2021 is separate from $37740
No worries. Next year rule change, just top up MA for relief since the relief is shared.
Sure. Without major medical bills, usually its MA reaching the cap first
hi sir ,transfer now or next year no different right ? ,cos i believe the interest will b pro rated
Interest is calculated based on lowest value of EACH month and added
Hi Josh ,I'm going to retire, if I don't have housing loaned and already have full retirement fund in my CPF , sametime I have 400k in my OA, can I transfer all my AO to SA ,to earn higher interest without investment? Thanks
No probs Hongtc. OA to SA is only before age55 and if dont have Full retirement sum in SA yet. If you are above age55 you can only transfer to RA. Cya around
Hi josh, can I use SA invest in gold?
cannot if im not wrong. 10% from OA investible amount only. For gold use cash i guess better?
Thanks you .
I have max out my SA to FRS like this 8 years back by transfering some of my OA to SA. The 7k top up to SA does not bring me down a lower tax bracket.
Need not move brackets. If chargeable income is more than $80k, tax % starts to be significant
How much tax return you can get from 7k or 8k even if over $80k annual income? $800 per year?. How much you get from the extra 1.5% interest of the transfer amount? Is it more than tax relief. If Ignore the OA investment.
CPF OA is meant for Endowus s+p 500.. I did OA to SA before and I regret..** I mean I regret transferring OA to SA please understand what I mean*
Market corrections are normal, give it some time and build up experience
@@hbu8012 abit of misunderstanding.. re read my comment.
@@joshconsultancy aiya 1% only.. alot of my small cap down by 20%.. s+p 500 very strong and stable..
Hi Josh, i am 54 soon this yr. should i transfr my OA to my SA( now is 170k) & borrow 22k fr HDB? I hv about 320k in OA which i intend to fully pay for my 2nd BTO flat + top up cash 190k. Thks in advance.
Hi CKW, Ive to avoid giving specific advice here. Do contact a qualified adviser for advice. This video might interest you JOSH REACTS 😉 Investing For Your Retirement BY CNA INSIDER With CPF SHIELDING FUND BREAKDOWN 👍 ua-cam.com/video/oas4nYBxbTA/v-deo.html .
@@joshconsultancy Thankyou Josh.
am glad that i have 0 mortgage or HDB loans at my age, glad that i transfer from OA to SA & of course i have not even hit FRS or BRS
How old are you?
@@joshconsultancy midcareer
@@joshconsultancy mid-career, sadly
Very gd points shared.👍
Share with someone who should hear too k =)
i have 540$ monthly mortage to pay for using my CPF OA (17 more years left). Currently, I have $17000 left in CPF OA. Should i set aside 12 months worth of payment in CPF OA and use the rest to lump sum pay off my mortage ?
If you are on bank loan then why rush to repay if interest is below 2.5%pa?
@@joshconsultancy thanks josh for replying. HDB loan 2.6%.
If i used some CPF OA to pay for my home downpayment.. does it reduce the FRS? What i mean (Currently i have 130K in CPF. But could have 190K in CPF. I have used 60K for home downpayment). So what is my FRS? is it 130k or 190k?
FRS is by year to age55. it is $186k in 2021 and $192k in 2022
If MA not maxed then painfull still.
Hmmm why so?
@@joshconsultancy as for me I am working still. I am working to reach BHS for my MA. The remaining allocation will move to SA . This will super charge my SA. I can use my excess OA to invest in instruments which give higher returns than 2.5%. Long term profit in OA which be transferred to SA to reach FRS faster. This is my plan. I am not sure if there is a faster way. 😅
Just what I need to know.
Thanks Josh! 😄
One question, bro...
In Jan 2022,
FRS = 192K
ERS = 288K
My current SA level is 180K,
Can I top up my SA from 180K to 288K using my OA ??
Thanks 🥂
You are age less than 55? Cannot. Top up ito CPFSA is to 192k only. Hope it clarifies
Max already..how to transfer ?
That’s why this tutorial to explain pros and cons
I made my sa reach frs in 2005 n my ma reached max so after that my oa will later speed up to catch up my sa. After that more cpf fund for investment
congrats. basic retirement wise you are more than assured already tai hing =)
dont understand y cant transfer cpf oa to ma
Cannot confirm
Could you make a video discussing if ERS is worth it? Based on current numbers there is almost a 100k difference between ERS and FRS but only an estimated $700 difference in payout per month. In that case is it worth it to remove all but FRS sum then invest that into equities and bonds which can provide more flexibility, potentially higher returns and help build generational wealth as opposed to locking up that additionally amount into ERS?
“Worth it” cannot be defined because there are assumptions of death age involved. I’d still choose ers if there is surplus net wealth
@@stevenyip2631 i totally agree. monies in RA totally cannot touch as it will be kept then distributed throughout one's lifetime. my take is to opt for frs, then the remaining sum used as atm for daily expenses. once past 55, the desire for all things ostensible will simply melt away. Life is to be enjoyed, not employed after 55...lol!
I have max up my MA and SA before 40.
Through top ups and transfers?
@@joshconsultancy my MA already max on its own. I only transfer a small portion of OA to SA. I think if I dun do anything top ups, by then the SA is likely max on its own in around 2 years? Since I don
Another solid topic. Thanks Josh. Just what I need (ignore my username 😆)
I instantly recognise your name 😆 PS: Good reports come out and 313 is bustling! Love it. Happy to cya around
Haha just wana put it on record I'm not official. Just a layperson here. Anw thanks as always. Your videos are very helpful and applicable to my age group 🤫😃