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<title>Today\u2019s the Day: New Year Money Makeover Starts Tonight</title>
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<div class="WordSection1">
<p class="MsoNormal">Hi all,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Please join us tonight. Two of the speakers, Cody Bair and Jenny Holcomb, are people I\u2019m sure you know from Colorado.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Regards,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:standardcontextual">Chris Peterson, AFC®</span><span style="font-family:"Arial",sans-serif;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:standardcontextual">Founder and CEO, Penny Forward</span><span style="font-family:"Arial",sans-serif;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:standardcontextual">Blind People Building Bright Futures One Penny At A Time</span><span style="font-family:"Arial",sans-serif;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:standardcontextual"><a href="https://calendly.com/chris-peterson-pfwd/" target="_blank"><span style="color:#467886">Schedule a Meeting</span></a></span><u><span style="color:#467886;mso-ligatures:standardcontextual"><o:p></o:p></span></u></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:standardcontextual">Email:
<a href="mailto:chris@pennyforward.com"><span style="color:#467886">chris@pennyforward.com</span></a></span><span style="mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:standardcontextual">Phone:
<a href="tel:+18883325558"><span style="color:#467886">1 (888) 332-5558</span></a></span><span style="font-family:"Arial",sans-serif;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:standardcontextual">Web site:
<a href="http://www.pennyforward.com/"><span style="color:#467886">www.pennyforward.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black"><img border="0" width="231" height="92" style="width:2.4083in;height:.9583in" id="image_0" src="cid:image001.png@01DC8567.839D44C0" alt="Penny Forward logo with an arrow pointing forward separating the two words. The word Penny and arrow are in black, with Forward in green."></span><span style="font-family:"Arial",sans-serif;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Chris Peterson <pennyforward@pennyforward.com>
<br>
<b>Sent:</b> Wednesday, January 14, 2026 3:00 PM<br>
<b>To:</b> Chris Peterson <chris@pennyforward.com><br>
<b>Subject:</b> Today\u2019s the Day: New Year Money Makeover Starts Tonight<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span> <span style="font-family:"Arial",sans-serif">\u034f</span> \u200c <span style="font-family:"Arial",sans-serif">
\u2007</span>
<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><img src="data:image/gif;base64,R0lGODlhAQABAJEAAP///wAAAAAAAAAAACH5BAkAAAAALAAAAAABAAEAAAgEAAEEBAA7" width="1" height="1" alt="Web Bug from https://pennyforward.us17.list-manage.com/track/open.php?u=c15197907d2936337f7d8b127&id=ea6ae0b048&e=86e8dc18dd" /><o:p></o:p></p>
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this email in your browser</span></a><o:p></o:p></span></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="border:none windowtext 1.0pt;padding:0in"><img border="0" width="564" height="193" style="width:5.875in;height:2.0083in" id="_x0000_i1046" src="https://dim.mcusercontent.com/cs/c15197907d2936337f7d8b127/images/9dda7ec1-f7cb-a021-ea69-56eabb02b33d.png?dpr=2&rect=0%2C382%2C1080%2C369&w=564&h=193" alt="Penny Forward email banner promoting a Wednesday Workshop. Large text reads \u201cWednesday Workshop\u201d with the date \u201cJanuary 14.\u201d Event times are listed as 7:30 PM Eastern, 6:30 PM Central, 5:30 PM Mountain, and 4:30 PM Pacific, with \u201cSecond Wednesday\u201d noted below. The Penny Forward logo appears on the right. On the left is a small circular image of a notepad labeled \u201cWorkshop\u201d with a pen and coffee on a desk. Green, white, and yellow design elements frame the banner."></span><o:p></o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center;line-height:125%"><b><span style="font-size:21.0pt;line-height:125%;font-family:"Helvetica",sans-serif;color:#202020">One evening</span></b><b><span style="font-size:16.5pt;line-height:125%;font-family:"Helvetica",sans-serif;color:#202020"><o:p></o:p></span></b></p>
<p class="MsoNormal" align="center" style="text-align:center;line-height:125%"><b><span style="font-size:16.5pt;line-height:125%;font-family:"Helvetica",sans-serif;color:#202020">Practical tools to reduce money stress in 2026.<o:p></o:p></span></b></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;line-height:0%">
<span style="font-family:"Arial",sans-serif;color:#202020"><o:p> </o:p></span></p>
<p class="mcepastedcontent1">Hi Chris,<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1"><strong><span style="font-size:13.5pt;line-height:150%;font-family:"Arial",sans-serif">Today is the day.</span></strong><o:p></o:p></p>
<p class="mcepastedcontent1">If you\u2019ve been feeling stressed about money, unsure where to start, or overwhelmed by financial decisions, tonight\u2019s Wednesday Workshop is designed for you.<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1"><strong><span style="font-family:"Arial",sans-serif">New Year Money Makeover: Start Strong in 2026</span></strong> is happening
<strong><span style="font-family:"Arial",sans-serif">tonight</span></strong>, and it\u2019s focused on real-life strategies you can actually use.<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1">This is not about perfection.<br>
It\u2019s about clarity, confidence, and taking the next right step.<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1"><strong><span style="font-family:"Arial",sans-serif">Tonight, you\u2019ll learn how to:</span></strong><o:p></o:p></p>
<ul style="margin-top:0in" type="disc">
<li class="mcepastedcontent1" style="mso-list:l0 level1 lfo1">Identify what\u2019s causing financial stress and how to reduce it<o:p></o:p></li><li class="MsoNormal" style="color:#202020;margin-top:7.5pt;margin-bottom:7.5pt;line-height:150%;mso-list:l0 level1 lfo1">
<span style="font-family:"Arial",sans-serif">Build or refresh a realistic budget that fits your life today<o:p></o:p></span></li><li class="MsoNormal" style="color:#202020;margin-top:7.5pt;margin-bottom:7.5pt;line-height:150%;mso-list:l0 level1 lfo1">
<span style="font-family:"Arial",sans-serif">Set clear, achievable financial goals for the next 12 months<o:p></o:p></span></li></ul>
<p class="mcepastedcontent1"><strong><span style="font-family:"Arial",sans-serif">We\u2019ll also cover practical steps related to:</span></strong><o:p></o:p></p>
<ul style="margin-top:0in" type="disc">
<li class="mcepastedcontent1" style="mso-list:l2 level1 lfo2">Getting organized with financial paperwork<o:p></o:p></li></ul>
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<span style="font-family:"Arial",sans-serif;color:#202020">Checking your credit in accessible formats<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:150%">
<span style="font-family:"Arial",sans-serif;color:#202020">Planning safely if you receive disability benefits<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:150%">
<span style="font-family:"Arial",sans-serif;color:#202020">Using tools like ABLE accounts and work incentives<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:150%">
<span style="font-family:"Arial",sans-serif;color:#202020">Preparing early for tax season<o:p></o:p></span></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1">This workshop focuses on real life, real choices, and real progress \u2014 not perfection.<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1"><strong><span style="font-family:"Arial",sans-serif">Date & Time</span></strong><o:p></o:p></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="color:#202020;margin-top:7.5pt;margin-bottom:7.5pt;line-height:150%;mso-list:l1 level1 lfo3">
<span style="font-family:"Arial",sans-serif">Tonight \u2013 Wednesday, January 14<o:p></o:p></span></li><li class="MsoNormal" style="color:#202020;margin-top:7.5pt;margin-bottom:7.5pt;line-height:150%;mso-list:l1 level1 lfo3">
<span style="font-family:"Arial",sans-serif">7:30 PM Eastern<o:p></o:p></span></li><li class="MsoNormal" style="color:#202020;margin-top:7.5pt;margin-bottom:7.5pt;line-height:150%;mso-list:l1 level1 lfo3">
<span style="font-family:"Arial",sans-serif">6:30 PM Central<o:p></o:p></span></li><li class="MsoNormal" style="color:#202020;margin-top:7.5pt;margin-bottom:7.5pt;line-height:150%;mso-list:l1 level1 lfo3">
<span style="font-family:"Arial",sans-serif">5:30 PM Mountain<o:p></o:p></span></li><li class="MsoNormal" style="color:#202020;margin-top:7.5pt;margin-bottom:7.5pt;line-height:150%;mso-list:l1 level1 lfo3">
<span style="font-family:"Arial",sans-serif">4:30 PM Pacific<o:p></o:p></span></li></ul>
<p class="MsoNormal" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;line-height:0%">
<span style="font-family:"Arial",sans-serif;color:#202020"><o:p> </o:p></span></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1"><strong><span style="font-family:"Arial",sans-serif">Bonus for Registrants</span></strong><br>
Everyone who registers receives a plain-language, accessible handout with key takeaways and action steps.<br>
You\u2019ll receive the handout even if you\u2019re unable to attend live.<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1"><span style="font-family:"Segoe UI Emoji",sans-serif">👉</span>
<strong><span style="font-family:"Arial",sans-serif">Register now to receive the Zoom link and handout:</span></strong><br>
<a href="https://pennyforward.us17.list-manage.com/track/click?u=c15197907d2936337f7d8b127&id=e79be80e7b&e=86e8dc18dd" target="_new"><span style="color:#007C89">https://us02web.zoom.us/meeting/register/g84BNFPiRse8cyZVm8bf9w</span></a><o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1">If you know someone who could benefit from a calmer, clearer approach to money, please share this email with them.<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="mcepastedcontent1">You don\u2019t have to do everything.<br>
Just take the next right step.<o:p></o:p></p>
<p class="mcepastedcontent1"><o:p> </o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;line-height:0%">
<span style="font-family:"Arial",sans-serif;color:#202020"><o:p> </o:p></span></p>
<p class="mcepastedcontent1">Warmly,<br>
<strong><span style="font-family:"Arial",sans-serif">Chris Peterson, AFC®</span></strong><br>
Founder & CEO, Penny Forward<o:p></o:p></p>
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