You're listening to an I-Heart podcast.

70% of Americans are living from paycheck to paycheck.

Not black people, not brown people, everybody.

And whether you're white, black, red, brown, a yellow, you want to see some more green.

Can I get an amen?

Hey, this is Financial Literacy Awareness Month.

Tune in the Money and Wealth with John O'Brien, a podcast that breaks down financial freedom in a way that's real, relatable, and rooted in empowerment.

From rebuilding your credit to starting your wealth journey, I give you all the tools to rise.

I'm going to break down how the modern economy works.

This is what they never taught you in school.

You're not dumb and you're not stupid. It's what you don't know that you don't know is killing you, but you think you know.

To hear this and more practical wisdom, open your free iHeart radio app, search money and wealth with John Hobriott and start listening today.

Welcome to Before Breakfast, a production of IHeart Radio.

Good morning.

This is Laura.

Welcome to the Before Breakfast podcast.

Today's tip is to try to keep your leisure time free of little to-dos.

Yes, the to-dos need to get done. But by separating the two, you can feel productive and more relaxed.

So I am sure that you, like me, have a lengthy list of small tasks that you need to tackle.

For instance, I found myself on a Saturday recently with a list that included buying a train

ticket, getting a new microphone, updating the week's child care schedule with some new information,

buying a birthday present, and so forth. These things do need to

...