Latest / Austin Signal / How Austinites may be affected with Affordable Care Act subsidies expired

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How Austinites may be affected with Affordable Care Act subsidies expired · Austin Signal

0:09
As we embark on the new year,
0:11
lots of folks are expecting higher
0:12
costs for the health care that they
0:14
need to live their best lives.
0:16
That's after Congress failed to
0:17
extend subsidies to the Affordable
0:19
Care Act during last year's
0:20
government shutdown and ahead of the
0:22
new year.
0:23
We're going to talk about how
0:24
Austinites in Texans will be
0:25
affected in 2026 and
0:28
the city of Austin and a former APD
0:30
officer are being sued for excessive
0:32
force.
0:32
Austin has struggled for years to
0:34
change the culture at APD's training
0:36
academy.
0:36
We're gonna have more about both of
0:38
these stories that's coming up on
0:39
today's show.
0:41
The Austin Signal is a production
0:42
of KUT News, hosted by
0:45
Jerry Quijano.
0:46
Plus, we've got some advice on how
0:47
to best achieve those financial
0:49
goals you set for 2026.
0:51
Thank you for investing some time
0:53
with us today.
0:54
Lots more Austin Signal coming
0:56
up next.
1:08
Howdy out there and thank you for
1:10
tuning in. This is Austin Signal.
1:12
We are listener powered public radio
1:14
here on KUT News.
1:17
It's Tuesday, January 6th.
1:19
Thank you for making us part of your
1:21
day. It is another warm
1:23
one here in Austin and not just
1:25
warmer than normal.
1:26
High temperatures this week are in
1:27
record range.
1:28
The forecast high in Austin today of
1:30
84 would tie the record set
1:32
back in 1989 and
1:34
tomorrow's expected high of 81.
1:36
Would set a new record for that
1:38
date. But the week will end with
1:40
a strong cold front, so we
1:42
have that going for us at
1:44
least.
1:45
Let us get into today's
1:47
show.
1:48
Government subsidies for the
1:49
Affordable Care Act expired at
1:51
the start of 2026.
1:53
So what does this mean for folks who
1:55
rely on this to get their insurance?
1:57
Well, for one, it means millions of
1:58
Texans and many more Americans will
2:00
be facing richer healthcare
2:02
premiums.
2:03
For more about that, we are speaking
2:04
with KUT's healthcare reporter,
2:06
Olivia Aldridge.
2:07
Hi, Olivia, thanks for being here.
2:08
Hi, Jerry.
2:09
So, take us back a little bit, if
2:11
you would, speaking of extending
2:13
those subsidies, that's what
2:15
Congress was going back and forth
2:16
over during that time last year when
2:18
the government was shut down,
2:19
correct?
2:19
That's right. So during that federal
2:21
government shut down last fall,
2:23
Democrats were trying to hold out
2:24
for a deal to renew these enhanced
2:26
premium tax credits,
2:28
essentially subsidies that offset
2:30
the cost of marketplace insurance
2:31
for a lot of people.
2:33
They didn't get that.
2:34
Ultimately, what they got was an
2:35
agreement to bring the matter to a
2:37
vote in the U.S.
2:38
Senate before the end of the year.
2:39
And there were plans floated to
2:41
address these subsidies, but
2:42
ultimately no proposal passed
2:44
before December 31st.
2:45
So the tax credits did expire.
2:47
Okay, and you mentioned a little bit
2:49
about what they are, what they do.
2:51
Why are they so important to many
2:53
Texans and Americans?
2:54
Well, so many folks who buy health
2:56
insurance through the Affordable
2:57
Care Act marketplace get some kind
2:59
of tax credit from the government
3:01
that offsets their costs.
3:02
But historically, people who made
3:04
more than 400% of the federal
3:06
poverty level got no assistance.
3:08
And this changed in 2021
3:10
when the Biden administration
3:12
instituted this enhanced premium
3:14
tax credit and made insurance
3:16
affordable for a lot of middle
3:17
income earners for the first time.
3:19
And it gave additional assistance to
3:21
lower earners as well.
3:23
And this led to more people
3:24
enrolling. So in Texas,
3:26
the number of people enrolled in
3:27
marketplace plans more than tripled
3:29
after 2021.
3:31
So there's concern that many of
3:32
those folks will choose to forego
3:34
insurance this year because they
3:36
can't take on these increased costs
3:37
without those credits.
3:38
And that could have ripple effects
3:40
throughout our healthcare system.
3:41
Well, our Austin Signal listeners
3:43
will remember that you were with us
3:45
last month to talk about Blue
3:47
Cross Blue Shield and their ongoing
3:49
contract dispute with Ascension.
3:52
We talked about, you know, how these
3:53
fights kind of happen and then maybe
3:54
things get resolved a little bit
3:56
later.
3:57
The subsidies for the ACA have
3:58
expired.
3:59
Is there a chance that we might see
4:01
them be saved later on by
4:03
Congress, anything like that.
4:05
It is still possible.
4:07
Technically, enrollment is still
4:08
open through January 15th.
4:10
People can still make changes to
4:11
their plans through that time
4:13
and Congress could extend
4:15
that period or even reinstate
4:17
the enhanced credits later.
4:19
Now, is it likely?
4:21
Analysts experienced in this area
4:23
are kind of saying no at
4:24
this point. Congress is back in
4:26
session.
4:27
There have been reports of some
4:28
bipartisan groups meeting to discuss
4:30
a possible deal, but.
4:32
We've also heard Democrats kind of
4:33
saying President Trump would really
4:35
need to give any deal his blessing,
4:37
because he has a lot of influence
4:38
over the Republican majority.
4:41
Many Republicans are hesitant about
4:43
how extending these credits would
4:44
add to the deficit, and perhaps
4:46
wanna see Obamacare replaced or
4:48
reformed in some more significant
4:49
way.
4:51
Now that the subsidies have expired,
4:53
the expiration was January 1st,
4:55
2026, how will
4:57
this or how is this affecting people
4:59
who use the Affordable Care Act
5:00
Insurance Marketplace?
5:02
I mean, the headline is people are
5:03
just going to be paying more.
5:05
People who enrolled
5:07
ahead of the new year are already
5:08
paying more, the policy organization
5:10
KFF said people will see an average
5:12
114% increase
5:14
in what they pay each month,
5:16
but that will vary depending on your
5:18
income, you know, your household
5:19
size, your age.
5:21
For people whose income is kind of
5:23
on the bubble of that 400%
5:25
limit, they'll really have to pay
5:27
attention to be sure their income
5:29
doesn't exceed that this year.
5:31
Or else they may have to return
5:32
money to the government during next
5:33
tax season, a lot of it.
5:35
And for many people, this is tough
5:36
to predict because they're
5:37
self-employed or freelancers,
5:40
small business owners, and their
5:41
income just fluctuates.
5:42
You mentioned a little bit there
5:44
that Congress could be working
5:45
to possibly extend,
5:47
maybe not work with these
5:49
subsidies.
5:50
What happens next?
5:51
Is there a plan to replace
5:53
Obamacare, or are folks just kind
5:54
of winging it when it comes to
5:56
finding insurance this year?
5:57
Well, nothing concrete.
5:59
President Trump has floated an idea
6:01
to replace tax credits with some
6:02
kind of health savings account.
6:04
There have been some proposals
6:05
related to that, but as
6:07
of right now, it's kind of back to
6:09
that pre-2021 reality,
6:11
which is Obamacare is available,
6:13
but with higher costs for a lot of
6:15
people, especially for those middle
6:16
income earners that we talked about.
6:18
Alrighty, we have been speaking with
6:20
Olivia Aldridge.
6:21
She is KUT's healthcare reporter.
6:23
You can find more of her reporting
6:25
at KUT.org.
6:27
Olivia, thanks as always.
6:37
This is Austin Signal.
6:38
Thank you for spending part of your
6:39
Tuesday here with us.
6:41
The city of Austin and a former
6:43
police officer are being sued after
6:45
a woman alleged the officer used
6:46
excessive force against her,
6:48
causing permanent brain damage.
6:50
That officer was fired last
6:52
month by APD after an investigation.
6:54
For more about this story, we're
6:56
talking with KUT's government
6:57
accountability reporter, Andrew
6:59
Weber. Andrew, thanks for being on
7:00
the show.
7:00
Yes, sir. Thank you, Jerry.
7:01
So can you please tell us first a
7:03
little bit about this incident and
7:04
who is the woman at the center of
7:05
it?
7:05
Yeah, Natalie G.
7:07
Lennas was visiting Austin from
7:09
South Carolina.
7:10
She was staying downtown at the
7:12
Marriott off Cesar Chavez, and
7:14
she got into an altercation with
7:16
hotel staff after going
7:18
out for, you know, like a lot of
7:20
people do at night.
7:21
Um, this was around 3 a.m.
7:23
Staff called the police, police
7:24
showed up and she was handcuffed
7:27
and by
7:29
officer Joseph Spies and
7:31
after that,
7:35
you dropped her ID, tried to pick
7:37
it up.
7:38
He thought she was trying to flee.
7:39
And then he flung her down on the
7:40
ground and she hit her head very
7:42
hard by all accounts.
7:44
That's from her lawsuit that she
7:45
filed and from APD's investigation
7:47
into this.
7:48
And then she was taken into a squad
7:50
car and then she was sort of shoved
7:51
into the squad car.
7:53
And hit her head again.
7:55
And, um, she filed a lawsuit this
7:57
week, uh, saying that this
7:59
was excessive force.
8:00
And you mentioned that APD filed
8:02
an investigation into it.
8:04
They found enough evidence to fire
8:05
the officer, correct?
8:06
They did, which is super rare.
8:08
A lot of these instances, the
8:09
officer is given a reprimand,
8:11
they're suspended for a certain
8:13
amount of time, a couple of months,
8:14
a couple weeks.
8:15
This was an indefinite suspension,
8:17
which is APD speak for you're
8:19
fired.
8:20
And the officer fired was Joseph
8:21
Spies. He was an 11-year veteran.
8:24
Police found that he
8:25
sort of exaggerated the danger
8:27
here. He rated it an eight out of
8:29
10. They said, no, that wasn't the
8:31
case, and he sort misled
8:32
investigators, so they ended up
8:34
firing him.
8:35
OK, one thing that's not as rare
8:37
as the Austin Police Department
8:38
coming under scrutiny for alleged
8:40
use of excessive force.
8:42
What does this suit mean for the
8:44
department and how many suits or how
8:45
many cases were listed in the suit
8:47
filed? There were four
8:50
This lawsuit was filed by
8:52
Jeff Edwards, a local attorney who
8:54
files a lot of these cases.
8:56
He listed, you know, obviously the
8:57
2020 protest cases,
8:59
the lawsuits that have resulted in
9:01
more than $27 million in payments,
9:03
which we've covered a lot.
9:05
And he also listed another
9:06
incident involving Breanne King,
9:08
who was an elementary school
9:09
teacher. She was on her way to work,
9:11
she was speeding, and was
9:13
taken down in a similar way to
9:15
G.L. Ennis.
9:16
And it, you.
9:17
This list of cases goes back all the
9:19
way to 2011.
9:20
This has been a problem for the
9:22
department for at least five years.
9:23
The city said we want to revamp how
9:25
we do our training because it's
9:27
been a concern to citizens.
9:29
And it's also been, you know, these
9:31
lawsuits aren't cheap.
9:33
They usually result in settlements
9:34
and the city has to pay out millions
9:36
of dollars a year.
9:37
That is KUT's government
9:38
accountability reporter, Andrew
9:40
Weber, as he says, has been doing a
9:41
lot of reporting on those
9:43
suits. You can find more of that
9:44
reporting over at KUT.org.
9:47
Andrew, thanks for being here,
9:48
buddy. Yes, sir. Thank you.
9:57
All right, since Texas is one of the
9:59
world's energy hubs, what is
10:01
happening in Venezuela right now
10:02
could have huge ripple effects
10:04
closer to home.
10:06
Texas standards David Brown spoke
10:07
with Matt Smith, lead energy
10:09
analyst at Kepler to talk
10:11
about oil and Venezuela.
10:14
What do you make of the president's
10:15
comments to rebuild the oil
10:17
industry?
10:18
Perhaps we should think back a
10:20
little more about the history of
10:22
oil in Venezuela, especially U.S.
10:24
Companies.
10:25
Yeah, absolutely.
10:27
In a nutshell, Venezuela's
10:29
oil industry has been destroyed over
10:31
the last few decades by corruption
10:33
and the lack of investment.
10:36
So production was, it
10:38
peaked at like three and a half
10:39
million barrels a day last century.
10:42
Start of this century,
10:44
you
10:46
2015 it was around two and
10:48
a half million barrels a day, but
10:50
then has dropped significantly in
10:52
the second half of last decade
10:54
So what we saw really early in
10:56
the century was that
10:59
Chavez essentially kicked out
11:01
a lot of U.S.
11:02
Oil companies there and essentially
11:04
seized those assets.
11:06
So we have seen the
11:08
production really come off.
11:09
Now it is below about a million
11:11
barrels per day.
11:12
So it's just been this There's a
11:13
gradual deterioration there.
11:14
Yeah, I was reading an article this
11:16
weekend that pointed out that the
11:17
world's largest oil reserves should
11:19
suggest that Venezuela would be a
11:21
much wealthier country than it is,
11:23
but there just hasn't been an
11:25
investment in oil.
11:27
President Trump is talking about
11:28
rebuilding the oil
11:30
infrastructure there.
11:31
If you're in the oil biz in
11:33
Houston or Irving right now
11:35
What do you think this means for the
11:37
Texas oil industry?
11:39
Are we looking at the possibility
11:40
that US companies
11:42
could rush down into Venezuela as
11:44
a result of what happened this
11:46
weekend?
11:48
Well, no, so it's a crude
11:50
quality thing, right, David?
11:53
So if we just consider US production
11:55
and Latin American production
11:57
in Venezuela specifically,
12:00
US shale is light sweet crude.
12:02
It is very high quality.
12:04
Venezuelan crude is low quality,
12:06
heavy sour crude.
12:08
And US Gulf Coast refineries
12:10
have been geared towards running
12:11
this Venezuelian heavy sour
12:13
crude, Mexican heavy sour, crude as
12:15
well. So it's not
12:17
going to impact US production
12:19
per se, because it's not going be
12:21
displacing that crude.
12:24
The way, if you're cynical, you can
12:25
look at this is that the US needs
12:27
this Venezuelan crude.
12:29
And so that's what's driving
12:31
President Trump's
12:33
efforts here.
12:35
Well, what are the markets doing?
12:37
What about a price response to the
12:39
ousting of Maduro?
12:40
Isn't there still a blockade in
12:42
place that would stop Venezuelan
12:44
oil from reaching some of its
12:47
So in terms of all prices, the
12:49
response has been fairly muted.
12:51
We saw prices sell off immediately
12:52
when markets opened last night,
12:55
and now they're up about 1%.
12:57
So fairly limited
12:59
response there, you know, because
13:01
there's a lot of uncertainty.
13:02
Yes, that blockade is still in place
13:04
there, but it's not likely to
13:06
last forever.
13:07
President Trump wants to keep oil
13:09
prices down, prices at the pump
13:11
down, and so he's going to
13:13
want that crew to move at some point
13:15
there.
13:16
I think the bigger question is,
13:18
is what happens in Venezuela
13:20
over the medium term here, because
13:22
there could be the expectation that
13:24
production will ramp back up as we
13:26
get US producers back in
13:28
there, operating these all
13:29
facilities again, repairing things,
13:32
investing, but what it's going to
13:34
take is tens of billions of dollars.
13:36
It's going to takes many years to do
13:37
that, so a lot of time and
13:39
money, and so this isn't going to be
13:41
fixed in any material
13:43
way in the next...
13:45
Let's talk short-term here for a
13:46
moment. We've been enjoying some
13:48
pretty low prices at the pump in
13:49
recent months.
13:51
With what's happening now in
13:52
Venezuela, what's that going to mean
13:54
for consumer short-terms?
13:57
Well, as long as the oil price
13:58
remains around this $60 level,
14:01
which it should likely do so,
14:03
then it means that prices
14:05
of the pump are going to remain in
14:06
check. National average is well
14:07
below $3 a gallon.
14:10
In Texas, it's about $2.40.
14:12
We should expect that to continue
14:14
at least through the first half of
14:15
this year as the oil prices remain
14:17
in-check.
14:18
Ultimately, that's what President
14:20
Trump wants as he heads into the
14:21
midterm elections later this year.
14:24
Matt Smith, Lead Energy Analyst at
14:26
Kepler. Matt, thanks so much.
14:27
Thank you, David.
14:34
And thank you out there for spending
14:35
part of your Tuesday right here
14:37
with us on Austin
14:39
Signal. This is KUT News
14:41
and we are listener powered
14:43
public radio.
14:45
Coming up after the break, what
14:47
sorts of resolutions did you
14:48
set for 2026?
14:50
Perhaps you want to get out and
14:52
experience Austin a little more.
14:54
Don't forget that free week is
14:56
coming up this weekend.
14:57
We talked with KUTX morning host
14:59
Taylor Wallace yesterday about
15:01
the shows you don't want to miss.
15:03
You can find that.
15:03
At kut.org slash
15:05
signal.
15:06
But perhaps you want to save up to
15:07
buy a new car or a new house
15:09
or a knew something.
15:12
Carl Stuart from Money Talk is going
15:13
to have some advice that you can
15:15
take into the new year.
15:17
That's after this break.
15:18
This is Austin Signal.
15:20
Thanks for being here with us.
15:29
This is Austin Signal.
15:30
Thank you for joining us today.
15:31
We are in the middle of the first
15:33
full week of 2026.
15:35
And for lots of us, that means
15:36
working toward new goals, some
15:38
physical, some personal, and for
15:40
plenty of us new financial goals.
15:42
Here to help us with some of that is
15:44
Carl Stuart. He is the host of Money
15:46
Talk, all about the world of
15:47
financial investment planning.
15:49
Money Talk with Carl Stuart airs
15:51
Saturday afternoons at five o'clock
15:52
here on KUT.
15:53
And today we've got Carl here in the
15:55
studio with us on Austin Signal,
15:57
howdy Carl.
15:58
Thanks for being here with us.
16:00
Like I said, you have a show here on
16:02
KUT as Saturday afternoons,
16:04
but for our listeners who might not
16:05
have caught your show yet, tell us a
16:07
little bit about money talking about
16:08
yourself. How long have you been
16:09
doing the show?
16:10
So I started, I just will
16:12
celebrate at the end of January my
16:14
31st year on the radio.
16:16
Congratulations. Thank you. And it's
16:18
been a lot of fun.
16:19
I think the reason
16:21
that the show, as they say in show
16:23
business, has legs is
16:26
because the agenda is
16:28
driven by the listeners.
16:30
People either call or
16:31
text and ask their financial
16:34
and investment planning question.
16:35
And so while the theme
16:37
can never be that unique,
16:40
because it's important
16:42
to the person, she wouldn't
16:44
call or text if it weren't.
16:46
We're all interested in other
16:47
people. We are curious
16:49
beings.
16:50
And so I think that's the reason
16:52
people continue to listen.
16:54
I have several goals.
16:56
The first is to
16:58
treat every caller with respect.
17:00
And the second is to
17:02
explain hard to understand stuff
17:04
in plain English, because
17:06
every profession has its own
17:08
jargon, whether it's accounting,
17:10
or medicine, or engineering, or
17:12
architecture, or radio.
17:14
And then the third is,
17:17
I don't wanna talk about myself.
17:20
I want to give people the best
17:22
advice I can based on my 47
17:24
year experience and not talk
17:25
about me and what I do
17:27
professionally.
17:28
And I think those are the reasons
17:29
that the show has frankly
17:31
remained popular and
17:33
I'm thrilled as of April
17:35
of 2025 to
17:37
join you and your colleagues at
17:39
KUT.
17:40
Yeah, we've been glad to have you.
17:41
It's one of my favorite shows to
17:42
listen to because you you say
17:44
that the the listeners drive the
17:46
show But you are this driving force
17:48
behind it.
17:49
You do you know you host Having
17:51
been a producer on your show, you
17:52
know, it's a really wild ride You
17:54
have so much energy and it really
17:56
comes through in the show Thank you
17:57
And I think lots of folks have
17:59
new energy or energy at the
18:01
beginning of a new year something
18:03
fresh is starting What
18:05
is it about the calendar change that
18:06
makes us think about important
18:08
things like finances when?
18:09
We probably should be doing that
18:11
every single day, not just the first
18:12
day of the year. Yeah.
18:13
Yeah, yeah. Well, there's a fair
18:14
amount of literature in behavior
18:16
sciences about
18:18
doing goal
18:20
setting, and that's
18:22
what really resolutions are.
18:24
But there's also a lot of literature
18:26
suggests that we're terrible at
18:28
success.
18:29
We fail with great regularity
18:30
and predictability.
18:32
And that's true whether it's I'm
18:33
going to lose five pounds, or
18:36
I'm gonna quit smoking, or
18:38
by golly I'm going to contribute to
18:40
my 401k.
18:41
They're all great ideas,
18:44
but the trick is to make it
18:45
permanent behavior.
18:46
And what we know is
18:48
changing behavior is hard,
18:51
because we've been doing something,
18:53
or in this case, not doing something
18:55
for a long time.
18:56
And it's my understanding, if I want
18:58
to change my behavior, I
19:00
have to go through a period of some
19:03
discomfort, cognitive dissonance,
19:05
if you will, until I
19:07
have a new habit.
19:08
So, for example, I take a
19:10
walk every morning.
19:11
So if I'm on a long vacation,
19:13
say, out of the country,
19:16
I may not be able to do that.
19:18
But when I get back, the first
19:20
day I get up, what do I do?
19:21
I take a walk.
19:22
Because it's now permanent
19:24
behavior.
19:26
So financial planning and
19:28
resolutions are about
19:30
changing behavior, and
19:32
more importantly, sustaining that
19:33
new behavior.
19:35
Well, speaking of sustainment,
19:37
the U.S. Stock market had a bit of a
19:39
volatile 2025.
19:40
The year did end on an upswing.
19:42
Can we take anything away from that
19:44
and apply it to our investment
19:45
decisions as we go forward in 2026?
19:48
Absolutely.
19:50
If I had told you at
19:51
the beginning of 2025 that
19:54
the war in Ukraine would continue,
19:57
that we would have the highest
19:59
tariffs in American
20:01
history, that
20:03
artificial intelligence would
20:05
likely put lots of people
20:07
out of work, you
20:10
would have said, Carl, I don't think
20:11
it's a particularly good time to
20:13
invest in the stock market.
20:15
And of course, you'd have been
20:16
mistaken.
20:17
The big takeaway from 2025
20:19
is you cannot let,
20:20
and you must not let, the headlines
20:23
make your investment and financial
20:25
planning decisions because the
20:27
headlines are important.
20:28
You wanna stay alert, you wanna
20:30
listen to KUT, but you
20:32
also wanna divorce that
20:34
from your own personal goals.
20:36
So if you are investing in
20:38
a company-sponsored plan
20:40
for your future financial
20:42
independence, then that's
20:44
what you need to keep your eye on.
20:46
Not what's happening today.
20:48
The other thing is most people don't
20:50
have all the money they're ever
20:51
gonna have to invest for their
20:53
future. It comes in dribs
20:55
and drabs.
20:56
That turns out to be a good thing.
20:58
Let's take 2022.
21:01
In 2022,
21:03
the U.S. Stock market, measured by
21:04
the Standard& Poor 500, was down
21:06
19%.
21:08
The NASDAQ, which is an index,
21:10
lots of high-tech companies, down
21:12
33%.
21:13
And bonds a safe investment down
21:15
13%.
21:16
If you had been investing regularly
21:19
on your own, in your
21:21
IRA, in your 401k,
21:23
every pay period, as stocks
21:25
declined and you got your statement,
21:27
you say, oh man, I'm putting this
21:29
money in, and it's just like putting
21:30
it down a hole.
21:32
What happened was, you bought more
21:34
and more shares at lower prices,
21:36
and then in 2023,
21:38
2024, you had lower
21:40
average costs, greater
21:42
gains. So how
21:44
important
21:44
is it's a 2-2 jump in
21:46
despite that volatility.
21:47
It's absolutely critical and
21:50
we have to look at history and not
21:51
allow the headlines to drive our
21:53
investment decisions.
21:55
All right, we have been speaking
21:56
with Carl Stuart, the host of Money
21:58
Talk. If you enjoyed what you were
21:59
just hearing, you can hear the show
22:01
Saturday afternoons, five o'clock,
22:03
right here on KUT News.
22:04
Carl, thank you for joining us
22:05
today. You're welcome.
22:06
You're welcome. A lot of fun.
22:07
Thank you.
22:13
And that is it for
22:16
today's show.
22:17
Thank you for joining us.
22:18
And thank you to Olivia Aldridge,
22:20
Andrew Weber, and Carl Stuart for
22:22
making today's show a reality,
22:24
Kristen Cabrera is our managing
22:26
producer, Rayna Sevilla is
22:28
our technical director, and
22:30
Jimmy Mass is our show runner.
22:31
And I'm your host, Jerry Quijano.
22:33
Now, I'm no financial expert, but
22:35
I certainly hope you'll invest in
22:37
yourself this year.
22:38
You are 100% worth
22:40
it. And we will be back with you
22:42
tomorrow afternoon.
22:43
At one o'clock here on KUT,
22:45
you can find all our episodes at
22:47
kut.org slash signal.
22:50
And don't forget to subscribe to the
22:51
show wherever you listen to
22:53
your podcasts.