39 | Kyla Scanlon, Insane Rise of a Financial Educator

My guest today is Kyla Scanlon (@kylascan). Kyla is a prominent TikTok and YouTube financial analyst, and also a good mate. I’ve known Kyla for a few years now so today’s chat is a good exploration of creator life and her growth over time. Fun fact: when I first started speaking with Kyla, we both had around 1,000 followers on Twitter. Since then, Kyla has skyrocketed to 140,000+ with me not far behind on 4,000!

In this conversation, we cover creator life from starting out to now, dealing with brands and sponsorships, and staying mentally healthy with a life online.

I had a blast, and hope you do too, so please enjoy my conversation with Kyla Scanlon.

Show Notes:

[00:00:31] – [First question] – Introduction
[00:02:02] – When did things start to gain traction?
[00:03:25] – Which social media to focus on?
[00:06:53] – Outsourcing work?
[00:08:17] – Switching off from Social Media
[00:09:34] – Experimenting with content as you grow?
[00:12:21] – A day in the life of Kyla Scanlon
[00:14:00] – Monetisation approaches
[00:15:19] – Dealing with brands
[00:19:37] – Do market swings affect Kyla’s content?
[00:21:15] – Dealing with unsavoury comments?
[00:24:30] – What Kyla wishes more people knew about her work
[00:26:38] – Importance of writing
[00:29:28] – Adopting long-form content into short form?
[00:31:16] – Getting young audiences to care about complex stuff?
[00:33:48] – Kyla’s company Bread
[00:37:25] – TikTok preferences
[00:38:58] – Influential people on Kyla’s journey?
[00:41:27] – Undervalued life experience?
[00:44:23] – Plans going forward and wrapping up

Connect with Kyla:

Listen to this episode on Apple PodcastsSpotifyStitcherCastboxGoogle Podcasts, or on your favourite podcast platform.


Kalani Scarrott (00:31): Alrighty. My guest today is Kyla Scanlon. Kyla is a prominent TikTok and YouTube financial analyst, and also a good mate. I’ve known Kyla for a few years now. So today’s chat is a good exploration of creator life and her growth over time. So in today’s conversation, we cover creator life from starting out to now dealing with brands and sponsorships and staying mentally healthy with a life online. So I had a blast today and I hope you do too. So please enjoy my conversation with Kyla scandal.

Kyla, thank you so much for coming on today. And um, this one’s an interesting one for me because I’ve sort of seen you go from being someone who was creating just for fun with a full-time job to now being Yeah. Full-time curator. So you’ve got my dream gold pathway. Oh. But, um, digging through some old dms here, you said in late 2020 for context, the grass is always greener, but I think that the freedom of writing plus thinking your own thoughts is greater than any corporate job, but alas does not pay right away. Oh, wow. So now you’re probably comfortably on the other side, I reckon. Yeah. Is the grass greener? And what pain points do you have now?

Kyla Scanlon (01:33): No, that’s so amazing. Yeah, I remember, I don’t remember how we even got introduced, but um, I just remember messaging you back and forth when I was still at, you know, my buy side job, my institutional finance job, and like dreaming about doing what I do now. And I haven’t really stopped to reflect on how far I guess I’ve come, you know, even just objectively speaking. So it, it, it is greener <laugh>. It’s definitely, it’s, it’s a lot of fun. Yeah. It’s an amazing opportunity. Mm-hmm.

Kalani Scarrott (02:02): did you ever notice there was a point in time where things started to pick up and like, I don’t know, metaphorical wave started to pick up and you just wanted to ride that as long as possible? Like when did you feel things started to change?

Kyla Scanlon (02:12): Yeah, so I mean, I think for everybody, like the pandemic was a big wake up call in terms of my growth. I’ll get to that in the second, but like, like why I sort of made the decision I think is important to like how I grew it, if that makes sense. But, um, yeah, like the pandemic was sort of a big wake up call and it was like, Oh, you know, I’ve always been really passionate about financial education. I really wanna do this. And I, so I sort of took the leap to go full time on this without much of a plan. It was just a passion. And I know you’re not supposed to like mix work and passion or whatever, but I was like, I have to do this. I just have to see what happens. Even though I had no safety net, if things went wrong then I, I was going to have to figure a lot of stuff out.

Um, and so everything luckily went really well and has been going really well. I made this video about Elon Musk back in May of 2021 and that was like my first really big viral video. Like it got almost 10,000 likes on Twitter. Um, and then the tick stock started to do really well and then the newsletter start. So everything just started to like kind of pick up steam. But it’s been amazing. I don’t know if there was like a point in time where it’s sort of everything pick picked up steam. It’s just been, I think, consistent effort. But yeah, it’s, it’s amazing <laugh>.

Kalani Scarrott (03:25): Yeah. And looking at your work, the coolest thing for me is you’ve sort of got so many different channels and avenues, so how do you view what to focus on? Is TikTok like the backbone of what you do and then everything follows on from that? Or how do you view different content and different mediums I guess?

Kyla Scanlon (03:39): Yeah, so there’s like a couple layers to it. So the TikTok, Instagram reels and YouTube shorts all get cross posted. It’s the same video, but that’s like a daily market update. So I try to explain like what’s going on, why things are happening. Sometimes it’ll be a broader explainer, like how we actually define our session in the United States. So it’s not two of negative GDP growth, but it’s all these other things. Um, and then I have this weekly newsletter where I’ll do like larger thought pieces, like the vibe session piece, or I’ll do more like weekly update styles depending on what I think uh, people sort of need at the moment. Like, I don’t know if there’s a lot of need for like big thought leadership for me specifically right now. Like I’m more useful as the weekly update sort of person right now I believe.


And so like that is my newsletter and then the newsletter gets turned into YouTube and the YouTube gets turned into a podcast. And I’m experimenting right now with doing interviews on my YouTube. So I interviewed Mary Daily from the Federal Reserve, have interviewed a couple of other people, um, and then also these shorter like explainer videos on YouTube. So I did one on credit, SW did one on the fiscal plan from the United Kingdom. So it’s kind of like all over the place and it’s a lot of content. Uh, but yeah, I’m just trying to see like what is most useful and like what people need. So yeah.

Kalani Scarrott (04:55): Yeah. No, all over the place is good because it keeps it fresh and you don’t get to like, not bored, but you know what I mean, It changes things up. Yeah,

Kyla Scanlon (05:02): Yeah, yeah. Yeah. And you kind of have to, you know, like people get bored of the same old style, um, and you also get bored of like making content in the same old way too, so, Yeah.

Kalani Scarrott (05:12): Yeah. And how are you finding interviews a bit different for you or enjoying it? Yeah,

Kyla Scanlon (05:16): I mean, I’d be curious to hear what you think about interviewing, but like, it’s sort of interesting cause you almost have to like focus on, okay, like this is what they’re saying, this is how I can frame the next question based on what they’re saying. So I feel like I don’t absorb as much information from the interview as much as I do. Yes. Like framing. Do you find that to be similar for you?

Kalani Scarrott (05:34): Yeah. Cause you feel bad and there’s a bit of pressure to ask the next question. So Right. You, you obviously have to listen cause you need a lot answer through the next que or ask the next question, but there’s also the Yeah, I’m freaking out just to keep up.

Kyla Scanlon (05:46): <laugh>. Yeah, yeah. It’s like, okay, can I have any pauses or lulls? You know, just gotta keep on talking.

Kalani Scarrott (05:50): Yeah. Yeah. Especially for me, I’m still working on it. Mm-hmm. It gets better some days, but um, I talk way too fast, fast. I don’t know. <laugh> Do you have this as well?

Kyla Scanlon (05:59): I get criticized heavily for <inaudible> Dog. Yeah. Yeah. In the same way.

Kalani Scarrott (06:05): And even mentioned this side, this podcast, like people aren’t here to listen to me, so I take getting out the way very seriously to sometimes too much, you know? Yeah.

Kyla Scanlon (06:13): Well I think like that’s one thing that’s sort of tough about interview style podcasts is like, people do wanna hear from you, you know, like I think that your voice and like how you end up explaining things through the question itself or like explaining after that person talks. Cause like oftentimes with interview style series, it, these people who are being interviewed are brilliant. Like, I’m not saying like it applies here in this exact situation, but like the the normally like, you know, PhD economists, like policymakers. So the interviewer like is not, in my opinion, is not only asking questions, but also serving as like a buffer for the audience to truly understand like what this person is saying in my opinion.

Kalani Scarrott (06:53): Totally agree. And same thing, I think people do so many, like you’ve done a fair few podcast now with Jim O’Shaughnessy, on The Value Hive. Yeah. And then people might prefer your interview with Jim or your interview with Brandon. Like it Yeah. It’s something for everyone Uh huh. So, um, still coming to terms with, but if I’m allowed to ask this Sure. How much of your work do you, or even can you outsource cause Oh, I think calling it prolific is an understatement. But you mentioned on the Value Hive podcast that you could outsource, but it’s your baby. Has that changed and um, yeah.

Kyla Scanlon (07:20): Yeah. I think I went on that about a year ago now, so, uh, it has not changed <laugh>. Um, yeah, I, I tried to hire somebody and it, it really went poorly. Um, just like a lack of communication, uh, which was really difficult cause it was like the first time I ever hired somebody and I was really excited they were gonna help, um, me scale out some things that just take up a lot of time like reading contracts or doing like administrative work. And I was really excited to not do that anymore, but unfortunately it didn’t work out. But yeah, so still me doing everything and, and I, I’m trying to figure out like if it makes sense to scale out editing or to scale out research. Um, I was on a call earlier today and the person was like, Hey, um, can you keep this up? And I was like, What? They were like, Yeah, like, are you gonna be able to do this for like five, 10 years? I’m like, Oh, I don’t know. Um, so it’s not so far. Yeah, yeah. So far, so far so good. Yeah.

Kalani Scarrott (08:17): Yeah. Cause on, so in awe of it, I dunno how you do it, but it’s, Yeah, it’s amazing to see. So how do you deal with then switching off? Cause I know you’ve mentioned this on Twitter recently as well, in terms of asking for feedback on switching off and, um, maybe the mental side of things. Do you want to expand on that and talk about if, if you feel comfortable?

Kyla Scanlon (08:33): Yeah, yeah, sure. Um, yeah, I mean I think that like, so there’s multidimensional aspects to mental health and like, uh, you know, interacting with the internet. And for me, I have become increasingly my content and so like if the content gets criticized, I’ve had a hard time separating that criticism from me as a person. Uh, so that’s been like one aspect of the mental health. And then the second aspect is just like working a lot and I’ve always been a workaholic, um, since, you know, I’ve had to be to a certain extent and I’ve had a tough time, um, sort of, you know, taking a step back and when you work for yourself, uh, nobody’s telling you to log off and it also feels like you can’t ever log off <laugh>. Um, so yeah, it’s, it’s a balancing act that I haven’t quite sorted through. Yeah,

Kalani Scarrott (09:24): Yeah. Yeah. And it’s weird because if it’s your passion, you really enjoy it. But sometimes even for me, I feel like I get sucked in too far and then I take a step back and I’m like, Oh my dear Lord, what is, what is happening?

Kyla Scanlon (09:33): Yeah, exactly.

Kalani Scarrott (09:34): So, yeah. Yeah. Um, and as you’ve grown, is it easier or harder to experiment and change things up as you get bigger? So like in my case, I feel like if I try something new, it bombs. It may get no likes and no responses and I’ll be cut off about it, but at the same time it’s more or less par for the course. But as you get bigger, I mean, to ask like, is there more pressure now that you’ve made it to continue that success? Maybe

Kyla Scanlon (09:57): <laugh>? I don’t, I, sorry. No, no, no, no, no. I like the, like the idea that I’ve made it, like it’s still, I don’t know, like, it’s like I have, I am, uh, um, I don’t know, like I feel like the audience is pretty receptive to most things that I do. Um, and they’re kind of like, okay, like this checks out. Um, it makes sense. But I also feel like I have an experimented, like super heavily with, you know, pivoting into a new entire like medium of, or not medium, but like genre of content. Like I’m very econ, very finance, uh, so I, I don’t know, I just sort of try new things as they come to me and if it doesn’t work I don’t do it anymore. Mm-hmm. <affirmative>. But yeah, I’ve also kind of stuck to the same core experiments for a while, like the daily ticks. Um, you know, I’ve tried out a couple of new things with like more posting on YouTube for a while. I was posting on YouTube every day and I stopped that. That was a bad experiment cause it just wasn’t worth it, you know? Uh, nobody wants to hear you talk that much. Uh, so yeah. Yeah, I’m still figuring out. Yeah,

Kalani Scarrott (11:03): Always gotta think about return on time. Same thing for me cause YouTube can be a bit of a time sink and a bit of an investment in time straight up I reckon.

Kyla Scanlon (11:10): Yeah. Yeah. And it’s like the, I would say it’s probably one of the most rewarding platforms just because it’s nice to make that longer form content. Um, so, but yeah, I mean it, it’s definitely a time suck in terms of editing and just uploading, like it takes about 15 minutes for the YouTube video to actually get uploaded to YouTube and you have to like select the language and you have to um, do the chapters and all these different things that just end up doing the thumbnail. Like in none of that’s bad, right? Like it’s a good way to spend time. But yeah, it’s an investment for sure versus tech dark. Yeah.

Kalani Scarrott (11:43): Especially for you, whether you doing everything yourself, I get a bit annoyed sometimes with the amount of tedious stuff for the podcast, having to do all the little Yeah. Information captions, organizer transcripts. Yeah. How do you do it with all the Yeah, the little things.

Kyla Scanlon (11:56): Yeah. I mean like luckily <laugh>, I sort of have it down pat now, like I know script, uh, that there’s editing software that I use, I edit within there, download the transcript from there and kind of like have a process. You know, I upload the video first and then I do the title, then I did the thumbnail, then I did the description box, then I did the language, then I do the chapters. So it’s kind of like, um, a machine at this point. Yeah,

Kalani Scarrott (12:21): Yeah. If you’re able to, are you able to walk us through maybe a day or a week of what content looks like for you? Just that whole process. Cause same thing, you’re prolific and it’s high quality too. So I don’t know how you do it, but I’d love to hear.

Kyla Scanlon (12:32): Yeah. Um, so I think for the daily process, a lot of it is just reading a lot. I’m trying to synthesize information. I have a giant notion page where I compile all my notes and so everything goes in there <laugh>. Um, and then, you know, at the end of the day I’ll kind of like review everything, organize everything. Um, and then also I have like the sub stack, uh, is running throughout the week. So like I’m kind of writing my newsletter throughout the week too. Um, but yeah, it’s, it’s, it’s a lot of reading and a lot of synthesis and a lot of note taking. Um, you know, I would say probably spend 40% of my day reading, which is really nice. And then like 20%, um, in meetings in 20% or I guess, what would that math be? 40? Yeah. And then 40%, uh, editing. Yeah. Right. Is that Yeah, that’s right. Yeah. <laugh> 40, 40, 20. Yeah.

Kalani Scarrott (13:27): <laugh>. That’s a balance I’m sort of struggling with is how much am I creating, doing interviews like this and doing prep and then how much am I actually just sort of free, free Rome like consuming content which I need to do as part of the thing. So yeah. Is that a similar problem you have or? Yeah,

Kyla Scanlon (13:41): Yeah. No, totally. I, if I am not editing at some point during the day, I’m like, Oh, I’m not producing enough. I’m not doing a good job. So that’s definitely something I really struggle with. But the thing is like, you can’t have content unless you do research. So I have to continuously remind myself that I have to do the things in order to make the content. Yeah.

Kalani Scarrott (14:00): <laugh>. And if I can ask for your opinion or approach on this, how, how do you approach monetization and that whole, especially with shorter form content, Um, yeah, what’s the whole thought process and feelings there? Yeah,

Kyla Scanlon (14:13): So monetization and career crater land is definitely the wild west. Like nobody really knows how to do it. The creator economy’s kind of like in this bear market right now where a lot of brands pulled deals. So a lot of people who were creators, you know, had to go back into the workforce or back into a different job. You’re still in the workforce if you’re a creator. But, um, yeah, so like for me, I was, I’m very careful about the brands that I work with. You know, during the bull run <laugh>, a lot of finance creators were able to get pretty sick deals, but maybe with companies that weren’t doing the best job for the people that they were meant to be serving. So I try to be really careful, but um, I like working with brands that I trust. So Bankless has been an amazing partner. Um, I work with Bloomberg opinion, uh, have done a deal with Ledger, so it’s just like that sort of stuff helps with monetization. And then I have my sub stack, which is like a buy me a coffee sort of model and that helps with monetization. People are so generous there. Um, and then I have my YouTube channel, which generat, like I have a very high CPM because of finance content, which is really nice. Yeah. Um, so that helps a lot.

Kalani Scarrott (15:19): Yeah. And if I’m allowed to ask as well, same thing with the brands. Do they reach out to you? Did you reach out to them originally? Um, cause same thing I heard a lot of problems with creators is the first number they get thrown at. They take cause they don’t know any better. How did you approach dealing with brands and

Kyla Scanlon (15:33): Yeah. Yeah. So I’m so lucky that most of them have reached out to me, which has been really nice, uh, and good. The bank list, you know, I’ve had a long partnership with them and we sort of like knew each other beforehand and we were kind of like friends beforehand and it worked out well and to kind of work together. And then Bloomberg, same sort of deal. Like I know a bunch of people at Bloomberg and so that worked out super well. Um, so I’ve never had to do outbound, which is really nice. Um, and yeah, it’s, it’s, it’s a, it’s a fun way of sort of challenging the content too, um, because like, like making videos through people is different than making videos for yourself. So yeah, it’s, it’s fun. It’s nice. Yeah.

Kalani Scarrott (16:15): Yeah. Would you have any advice, just say, this episode, podcast episode blows up compounding curiosity starts going viral. Yes. What advice would you give me if brands started reaching out? What do you think I should know?

Kyla Scanlon (16:27): Oh, sure. Read the contract very carefully. Uh, there’s been quite a few brands who have tried to sneak in exclusivity contracts or exclusivity clauses in contracts with creators. Um, so be very careful with the contract itself. But I think like the biggest thing with brand deals and partnerships, and I’m honestly like still learning about this myself, so I don’t know if I have the best advice in the world, but make sure it’s somebody that you would use <laugh> and that you trust and you know, somebody that you are a fan of and that you think it can be like a, a longer term partnership because it’s great to have like one off partnerships, but it’s even better to have longer term stuff. Um, especially once they give you creative freedom. Um, there’s a couple of brands who like, want things done a certain way, which makes total sense, but you know, that’s not, that’s not what compounding curiosity is all about, right? Like, it’s about doing things your way and um, doing it, doing it in a way that, you know, works or your, like getting it to work in a certain way. So I would say like that too, like just maintaining creative freedom and intellectual property rights legally is super important too. Yeah.

Kalani Scarrott (17:36): Mm-hmm. <affirmative> and it’s probably not something you think about right off the bat. You just think about the total dollar amount

Kyla Scanlon (17:40): <laugh>. Yeah, Yeah. There’s a lot of nuance to it. And like, what’s funny is, you know, most people, um, in the creator world have like, like never interfaced legally with these sorts of contracts. Like, I had never done it before. I, I I started to, so it’s definitely like a learning curve. Like I took a contract law 1 0 1 thing on Coursera to try and learn a little bit more. Cool. Yeah, I mean like, cause you’re just like, they’re like 15 page contracts sometimes. Um, and it’s a bunch of legal jargon. Um, and like sometimes what I, I would do previously with like newer brand deals, um, is I had red line stuff and be like, I don’t understand this, I don’t understand this. So it was very annoying to the legal counsel, but it helped me a lot to like learn about what they were trying to say and like what the legalese really meant too. Yeah.

Kalani Scarrott (18:28): Yeah. Okay. That’s interesting. And same thing because it’s such a solo lonely life as a creator, you don’t have any, you can’t bounce it off anyone.

Kyla Scanlon (18:35): No. Yeah, I mean like, you know, other people have like management teams, like very big creators have management teams and things like that that can look over this stuff. So it’s definitely more of um, like a smaller creator sort of problem I think. But yeah, you can’t really bounce it off any of that other than yourself. Yeah. Mm-hmm.

Kalani Scarrott (18:53): <affirmative>, I think, I think I heard it the other day, Ryan Holiday. He said the biggest thing for his manager is that someone might try and book him for X amount and then his manager will turn around and say, No, my other client got booked for three x that, so they’re just lowballing you. Like, he said, that’s the biggest reason he’s like, get a manager straight away. So I was like, Oh, sure, makes sense. Yeah. But if you can justify it.

Kyla Scanlon (19:11): Yeah, no, I, I was, um, this would be the other advice I’d give you is, uh, I was low balling myself majorly, uh, when I first started just because I was excited to like do a different friend deals and I was like, Oh, this is fun. Uh, but yeah, yeah, definitely know your worth <laugh>, um, and in negotiate when you can and if it makes sense, um, you know, your time is valuable, your work is valuable. So that’s, that’s also what I’d say is negotiate <laugh>.

Kalani Scarrott (19:37): Yeah. Yeah. And you also, um, mentioned it just before, but being a financial creator as well, how do the ups and downs of the markets really affect you? Like does it track the market in a sense?

Kyla Scanlon (19:45): Sure. I mean, I think, uh, so I’ve written a couple of newsletter articles cause about my comment section essentially like, do we need a recession? People are the economy, because I was posting these videos, you know, like, oh, okay, inflation is sort of trending down here in the United States. Like, we’re not headed towards a recession yet. Like all this stuff. And people were like, No, no, it’s the worst economic, like we’re in an economic crisis, all this stuff. And I was like, guys, like you, like a couple months ago you were, you know, Yolo on gme, mc whatever, whatever. So there’s definitely a big shift in sentiment and people trend towards the extremes in either direction. Uh, so it’s been interesting like managing the doism that does happen just in finance at large. Like I’m sure you’ve seen it on Twitter and um, just making sure that people know like, okay, like things are not great, but we’re working towards making them become better.


So that’s how the audience sort of, um, fluctuates. And then like myself, you, I’ve talked a lot about recessions recently, um, have talked a lot about systemic risk, like with what’s going on with dollar, what’s going on in treasury markets, uh, sort of the consequences of what the Fed is doing. For a long time I was, um, not an inflation as transitory camp, but sort of like, okay, the Fed is doing what they can, like let’s just let ’em ride. Like it’s gonna be okay. But now I’m finding that my content has, um, and I have with the content pointed out more of the consequences of the Fed doing what they’re doing with a rather blunt toolkit. So, yeah. Mm.

Kalani Scarrott (21:15): Yeah. Okay. And you mentioned comments just then, so I’ve seen some weird comments, for lack of a better word on your work and I can only mention some of the other stuff you might get. And, um, you mentioned the death threats on Jibo Shay’s podcast. So what’s your approach? How do you manage? Cause I know John from Asian Orry, he’s like, it’s great, I have super smart people in the comments, but sometimes you just can’t venture into there cause it’s just such cessful. So how do you deal with it?

Kyla Scanlon (21:39): Yeah, so I take breaks <laugh> from reading them. Uh, so the death threats sort of happened John, the vibe session piece, which ended up going viral. And I was, you know, honored to write an opinion article in the New York Times about it. But that brought a lot of people, um, to my content that were not familiar with me or not familiar with how I made content. Um, so they thought I was like joking about stuff, which I do have a jokey tone. Um, but they, they were like, oh, she, you know, um, so they, they took it very personally, which was unfortunate and scary. Um, but yeah, I definitely take a break from reading the comments cause uh, they can range from being really misogynistic to being really insulting, um, towards, you know, my intellect or whatever. So, um, yeah, you know, you do have to definitely take a break, uh, at times. Um, and it’s, that’s just like the internet, right? So yeah, I wish there was a solution, but people are just gonna be jerks, especially if you have an anonymous profile, you know, there’s no consequences to being awful.

Kalani Scarrott (22:43): Exactly. See, I, I shouldn’t be even be thinking about this cause it’s so far away, but like, I’m like, oh man, I’d love to have a higher manager just to like go through the comments, find the interesting ones, and then I’ll apply to them and I can ignore the

Kyla Scanlon (22:53): Rest. Yeah, no, that, it would be very nice to have that because there are, like, for every mean comment there’s like five wonderful comments that are so supportive and so kind about the work. Um, but unfortunately the way brains are wired, we love negativity and we focus on that. So yeah.

Kalani Scarrott (23:09): Mm-hmm <affirmative> and especially if the way you view yourself, if there’s a hint of truth in that, like, I remember some guy commented on one of my videos, he’s like, Ah, another white guy expert on Asia. And I’m like, man, like, it, it kind of hurt cause I was like, I don’t, Yeah, maybe I think there’s a bit of truth in that. I don’t know. Yeah. That’s where it really hurts me, so, Yeah.

Kyla Scanlon (23:27): Yeah. A sensitive spot for sure. And like, that’s the same with me. Like I have a lot of imposter syndrome, you know, about what I do and people treating me as a source of knowledge on these like, really important topics. Like it scares me. So I definitely really on that aspect is it can be really scary. And then when people point that out, it’s like, well, don’t say it that. Wow, geez. Like, you know, <laugh>. So Yeah.

Kalani Scarrott (23:53): Does it get better over time? Cause yeah. You’ve been on Bloomberg, you’ve written the New York Times. Does imposter syndrome ever go away?

Kyla Scanlon (23:59): Oh, mean I wish <laugh>, I wish mine has gotten worse.

Kalani Scarrott (24:03): <laugh>. Oh yeah, I don’t say that. No,

Kyla Scanlon (24:05): I, well there’s this quote, I, I’m gonna butcher it, but basically it’s like the more you know, the less confident you are, something like that. And so like, because I have learned more and because I have like, you know, figured out the content a little bit more, um, and have had conversations with like amazing people about all this stuff, I’m like, oh, well what, what, what, what is So, because I know more, I actually know, I am aware that I know less, if that makes sense. Yeah,

Kalani Scarrott (24:30): Yeah, yeah, yeah, yeah. <laugh>. So is there anything you wish more people knew about you and your work? So you mentioned all the people that came in, they didn’t know what you’re doing. What do you wish more people knew about you and what you do? I guess?

Kyla Scanlon (24:41): So I um, I did an Instagram story, uh, thing last night where people can do a Q and a box essentially. So they ask questions and I respond via my Instagram story and somebody was like, How did you get so lucky to like, or like, what gave you the luck to do what you do? Um, but it was like phrased in a, actually let me pull it up really fast cause it was phrased in an interesting way where I was like, that doesn’t sit super right with me. Um, yeah, how did you get lucky to get opportunities no one else would have gotten at your age? And so I think it was like meaning to be very like nice but the, like the, how did you get Lucky <laugh>? Uh, that kind of bothered me. So like in terms of how or what I would want people to know about my work is that I’ve been sort of doing this for, you know, six years, <laugh>, I’ve had a finance blog since I was in college about options trading.


And um, it’s a lot of hard work and I, I do believe that luck is the combination of hard work and opportunity. There’s a lot of people who have taken chances on me. Even like when I got my job, my first job, the recruiter, it was a blind resume. So like as I came from an ama I had a great time at my university, but it was a non-target school. Like no big firm wanted me, um, because it was a non-target and all that stuff. And so like I got into my first job via Blind Resume. So, um, like look, <laugh> is maybe not the word I would choose for some of the stuff that has happened. Uh, it’s definitely like more of a combination of hard work and opportunity. But I’m very aware that, you know, I’m very grateful that there’s so many people that choose to watch the content and that there are so many people that have taken chances on me. So that’s like a very long way to answer your question. But um, yeah, I would say like, um, yeah, yeah. Does it make sense?

Kalani Scarrott (26:30): No, yeah, totally. And cause same thing. Yeah. Right. I’ve known you since Yeah, yeah.

Kyla Scanlon (26:36): Few years now you’ve been around

Kalani Scarrott (26:38): The newsletter’s gone from math musings markets, thoughts and variety ideas, Data, data, data, to Kyla’s Newsletter.

Kyla Scanlon (26:43): Oh yeah, yeah. It was math musings in markets because I was under compliance at my old job and I wasn’t allowed to write about markets. And so I was like, what am I gonna write about? Like, I have to keep on writing my blog. This is so important to me. It was like my outlet to the world because I graduated, I think we’re the same age. Right? Like, do you graduated in 2019? Great. Did you go to

Kalani Scarrott (27:03): Uh, I have no idea. I’m born in 96 and I started Uni late cause I was gonna be a Sparky, so I’m a bit all over the joint. Okay. I’m 26 now.

Kyla Scanlon (27:09): Oh, you’re 26. Okay. So I just turned 25. So we’re basically the same age, but, um, I graduated like right into the pandemic. Um, and so it was like, yeah, so it was super important to me to like have that blog during that time. But I was under compliance with Cap Group, um, which makes sense cause I had very uh, you know, market sensitive information, but I was like, I have to keep on writing. So I would do these like huge data analysis pieces where one was on, um, do you know Hinge the dating app? Yes, Yes. It’s, yeah, so I like downloaded all my data from that, which is like, kind of embarrassing retrospectively, <laugh>. Um, and I, and I ran it through r and like did all this coding about it and like was trying to figure out, you know, what the dating app algorithm was doing. I did this huge game theory piece on like Donald Trump and Bernie Sanders and the election. And I did this, uh, one, one piece that kind of helps me get on the map very early on was I did this, um, huge cost benefit analysis of riding in a car. So like driving a car versus um, just walking or riding your bike everywhere. Yeah. Yeah.

Kalani Scarrott (28:13): <laugh>, I even remember, was it one about car sales? Cause I made a business card about that

Kyla Scanlon (28:16): Yeah, yeah, yeah. That one. Um mm-hmm. <affirmative>. Yeah, that one was one of them too. Cause I used to sell cars in college. Ah. So that, yeah, I did like the economics of car sales I think it was called.

Kalani Scarrott (28:27): And even then, like I, I, I emphasize a lot with or um, emphasize, is that the right word? I don’t know. Because same thing, non-target, writing is so important. Like you need a way to get in front of people cause those traditional options just aren’t available to us.

Kyla Scanlon (28:40): Right. Yeah. And like you don’t have the network. Like my dad’s friends couldn’t help me get into big finance institutions. Like a lot of people are have access to that, like they’re, you know, through, through the networks, which is amazing for them. Um, but yeah, that’s like one thing that really helped me in my job application journey coming out of college is I had like this blog that I’d kept for years and was able to show like, okay, this is what I know, this is what I’ve been doing. So it helps. Yeah. Living portfolio is what I call it, <laugh>.

Kalani Scarrott (29:11): Oh, that’s a good way of going. Yeah. But yeah, it’s a tough thing I juggle with. Yeah. Obviously I’m born on third base, I won’t complain, but at the same time I don’t have those finance investing networks. None of my mates do it. Only a couple mates went to university even. So it’s like, yeah, I do have to be wary that, Yeah. Yeah. It is a bit harder, but yeah, you work harder and it makes up for it.

Kyla Scanlon (29:27): Yeah, absolutely.

Kalani Scarrott (29:28): Mm-hmm. <affirmative>. So my good mate John from Asian, or has a question he wanted to ask, how do you adapt long form video content into short form video?

Kyla Scanlon (29:36): Um, so with that it’s just like, what is the spiciest part of the longform video? So I did this recently, I interviewed Mary Daley from the SF Fed and I clipped that into um, like a minute and a half TikTok. And there was a couple of clips to it. So like the first part was, it was a 25 minute interview and I clipped, um, a minute of it from her answering question. I had asked about generational impact, but then also later on in the interview she asked, or she said, the most important takeaway from this interview is to know that the Fed has a growth mindset. And so I basically just like stuck those two clips side by side <laugh>. Um, and I do it via Descript, so I’m able to edit everything pretty easily that way. But that’s kind of how I think about it. It’s like, what’s the biggest takeaway that you want people to have? Yeah.

Kalani Scarrott (30:24): So you can video edit with Descript now as well?

Kyla Scanlon (30:26): Uhhuh. Yeah, you’ve always been able to.

Kalani Scarrott (30:28): look at me wasting my time.

Kyla Scanlon (30:30): Oh My gosh, you should use it. It’s really, so it’s a pain to use <laugh>, um, and they’re working on it, but, uh, yeah, it’s, it’s amazing. Like, so it’s text transcription, so they take your video and turn it into text and then you can just edit the text so you don’t have to worry about finding the gaps or anything like that because you can see everything. It’s, it’s a lot easier to use than like, iMovie. So Yeah. Yeah.

Kalani Scarrott (30:50): <laugh>, because I, I, same thing for the podcast. I assume I can do the same. I edit through Audacity and like, I don’t know, I’m a bit of a, not asshole, but like perfectionist sometimes I’m like, Oh, you can do so much more powerful things. But at the same time, like, I really should focus on saving some time.

Kyla Scanlon (31:04): Yeah, yeah. Yeah. That’s, I would definitely say like if you want like super good stuff, Audacity is probably amazing for that. But this script like, it’s just so fast and it’s so good and you can Yeah. Crank stuff out.

Kalani Scarrott (31:16): So further to the last question as well, how do you get young audiences to care about nuanced and complicated stuff, which is what you cover?

Kyla Scanlon (31:23): Yeah, I mean, I think that people don’t give young people enough credit. <laugh>. I think you can probably align with that. Um, I think most people are very interested in it. Like we have a global world. Um, the only barrier I think is people, like, I got my, I I went into the bike shop the other day to get my bike tuned up and I was talking to my bike lady and she, and I was telling her like, what I do and she was like, Oh, you know, I hate finance, I hate it. I was like, What? Why? And she was like, You know, I just don’t understand it. And I was like, So do you not understand it or do you hate it <laugh>? And uh, she was like, Yeah, well I just feel like it’s like there’s not a space for me like to talk about finance, to like be involved in investing conversations.


And so I think like for young people, it’s just about giving them the tools that they need to understand the world around them. Like what’s going on with the Federal Reserve impacts literally every single person on Earth. So it’s, it’s, it’s about just showing people that these things are happening and doing it in a tangible way that isn’t jargony and gross and trying to talk over them. Rather you have to talk to them. And so that’s what I try to do. And it’s funny cause I, I um, somebody sent me this post from like a mutual fund forum and this guy was like talking about one of my, uh, writing pieces where I had said, omg, I think think, and I was saying, uh, but like I was just talking very casually in the writing piece. Hmm. And he was like, Oh, this style of writing is not good and it’s not academic and she should be ashamed.


And I was like, but that’s what, that’s how you get people to listen. Like, you don’t get people to listen by being really jargony and confusing. Like you have to be accessible. So like that’s, this is a really long answer cause I’m very passionate about it, but No, you keep going <laugh>. Um, I, I think that’s the most important thing, um, is, is just doing it that way. And like I, with the vibe session piece, I don’t remember where I saw this, but people loved it. Like, which I appreciate, but people always send me, uh, when people are talking about me online <laugh>. Um, and, and this one, you know, I was like, oh, a fifth grader could have written this vibe session piece, which I don’t know if that’s true, but if a fifth grader could understand the vibe session piece, I would be stoked. Like that’s the whole goal. Um, yeah. Yeah. So that’s how I think about it. Mm-hmm.

Kalani Scarrott (33:31): One thing I’ve come to realize is the internet is big enough that there is space for people like that and there is space for someone else to write it in a more technical, dense, academic way that that person might want. Like, I don’t get why people try and shove people in boxes. That’s not them.

Kyla Scanlon (33:43): Yeah. I don’t know either. I think that’s a big problem right now, societally speaking <laugh>.

Kalani Scarrott (33:48): Yeah, that’s true. So is there anything we haven’t talked about that’s consequential about the future of your life as a creator <laugh>?

Kyla Scanlon (33:55): Um, that’s a big question. Um, you know, I have a company too named Bread, uh, so a financial education company and that’s sort of, um, being built out alongside the content. So it’s interesting balancing like trying to build a company and then doing the content full time, um, and, and that sort of stuff. But yeah, I mean, I would say like it’s a gift and I’m super grateful to be doing all that I’ve done and to, uh, have all the opportunities that I’ve had. It’s been really amazing. So, yeah.

Kalani Scarrott (34:26): Do you wanna expand on Bread for five minutes or so before? Yeah, yeah. And just explain what’s going on there and what you’re working towards.

Kyla Scanlon (34:31): Yeah, so, so the whole idea is to like make a Duolingo for finance, um, and to create a playground for people to interact with finance content in a way that is accessible, engaging, et cetera. Um, so the whole goal with Bread is to be like that front user facing platform where people can like learn about the stock market, they can learn about the bond market, they can have all these tools to engage with these terms that maybe are a little foreign at times. Um, but then also on the back end, one of the goals is to work with different, uh, financial advisory firms who maybe don’t reach younger audiences in the way that it, they’d always like to and help them sort of tap into like what this next generation is thinking about and why. Um, and then also the other goal is to work with other people in the financial education space and kind of have like an open source financial education model, like where everyone’s trying different things. Um, sort of like, um, an incubator for financial education companies on the other side too. So, yeah, it’s a lot.

Kalani Scarrott (35:33): What does the work look like trying to juggle that and is it building a backlog of content for that or? Yeah, yeah,

Kyla Scanlon (35:39): Yeah. Right now it’s the backlog. Um, so I have this huge notion page where I’m sort of building out all these concepts, terms, definitions, all my drawings, all things like that. If, uh, the newsletter has a lot of drawings in there, I like to draw visuals for things. Um, so it’s, right now it’s just a bunch of content building and then ideally soon, um, it’ll get more, uh, built into an actual platform. Yeah.

Kalani Scarrott (36:01): Do you just do your drawings through an iPad?

Kyla Scanlon (36:03): Yeah, I use something called Good Notes. Um, yeah, it’s really nice. I, I like it a lot. I’m a a very much a visual learner, I think most people are. So it, it helps a lot with sort of figuring out things to draw it out.

Kalani Scarrott (36:16): Yeah. And I like the style as well cause it just seems more relatable.

Kyla Scanlon (36:19): <laugh> little stick figures <laugh>. Yeah. Yeah. Just

Kalani Scarrott (36:22): Keep it simple. There’s no need to be fancy getting all the Canva graphics, like Yeah, yeah. Just draw it out.

Kyla Scanlon (36:26): Yeah. Yeah. No, I, I’m a Canva power user too, though. I love Canva, but I know, keep it simple.

Kalani Scarrott (36:32): I do everything on Canva. It’s actually kind of scary. Um, I was gonna ask this earlier, but for backlog, is it even possible for you to build a backlog for your TikTok content? Because a lot of it is much like daily market updates. Can you build that out or,

Kyla Scanlon (36:46): Yeah, see that’s actually an issue that I’ve run into is like, the concepts are rapidly changing, right? Um, even just like pointing to the 60 40 portfolio, that doesn’t quite work the way that it used to <laugh>. Uh, so it, it’s still possible and a lot of it is just like me pulling from my work previously or like my, you know, classes in school. Cause I did study finance, um, and trying to like, explain things in a more direct way. But yeah, a lot, unfortunately a lot of, or fortunately and unfortunately a lot of the content is more current events, which are a little bit harder to build, uh, for evergreen style content. Yeah,

Kalani Scarrott (37:25): Because when you first started TikTok there was a few, it was more like sciencey based videos. I remember the video on bees. And do you think TikTok prefers, um, more current up to date content or evergreen stories had, is there a note, a difference you noticed there?

Kyla Scanlon (37:38): I think it depends. Like, one of my best performing videos was just in economics 1 0 1, so I went through the history of economics and just explained, okay, like we, we did have a barter system despite what different books might say. We did have a barter system and then going up and explaining like, okay, so Adam Smith came in and then we had Milton Friedman Kane’s, um, and that was a really, uh, well done or well performing video. And then I did one on the old curve that did really well, just like, what is it? But I would say like right now, because things are so wacky in finance, most people are sort of looking for current events. So ideally, um, if, if things were calmer, like, like the before things kind of got super crazy. I was doing a lot more evergreen content on TikTok, but now because things are so wacky, um, people just, uh, demand I think a little bit more current event stuff. So yeah,

Kalani Scarrott (38:30): plenty to work with.

Kyla Scanlon (38:31): Yeah. Gosh, it’s never ending. And it, and that’s also really nice, um, because I remember when I first started March, 2021, it was kind of like, okay, game stops happening, crypto’s happening. But like, you know, the stock market went up every day and, and yeah, Fed wasn’t doing anything. Now the Fed is doing so much and the stock market is not going up every day. So there’s a lot to talk about, which is nice from a content perspective, not necessarily nice from a living in the world perspective, but yeah. Yeah.

Kalani Scarrott (38:58): Yeah. So I’m very conscious of your time, so I’ll get into my closing round of questions. Sure. I usually ask is there any books or people, but given you tweeted the other day about how people, you’ve been very grateful for people taking chances on you. Have there been any people that have been influential in shaping you and your work?

Kyla Scanlon (39:13): Oh my gosh.

Kalani Scarrott (39:19): No worries if you miss anyone

Kyla Scanlon (39:19): No, no, no. It’s, it’s funny that you say that cause I actually, I, I sent a bunch of thank yous out, um, this uh, I sent a bunch of thank yous out, uh, this weekend to people. Um, just thanking them for like investing in me and being an inspiration for my work. So actually a really well timed question, um, Ben Eiffert is amazing. Kris, I don’t actually, Kris who writes Moontower Meta. Yeah, yeah, yeah. um, Claudia Sam,

Kalani Scarrott (39:45): Cause I think he [Kris] reached out to me early on as well, so I’m sorry to interrupt…

Kyla Scanlon (39:49): Oh, oh yeah. Well so that’s the thing about him is he’s just so supportive and is always willing to like, bounce ideas. We actually were able to meet in person cause he is in the town that I live in for visiting his friends. And so we were able to meet in person and we just talked for like three hours about my work and I was like, Gosh, I feel so selfish. And he’s like, It’s not a big deal. Like I, I wanna talk about this stuff. And I think just having that, not like necessarily a mentor, but having somebody to just bounce ideas off of. And, and he writes so beautifully and you know, he reaches out to people like us. I think it’s, he he’s amazing. Yeah.

Kalani Scarrott (40:24): As honor is good, just you, you might be so confused and unsure of your work and then someone older, more experienced just says, Hey, no, you’re on the right track, Keep going. Yeah. That was literally what he said to me basically.

Kyla Scanlon (40:33): Oh yeah, I know. That’s the other thing, like there’s a lot of um, Cause it’s confusing, right? Your early twenties are just a mess and you’re like, I don’t even know if I’m a person. Like what’s going on? Where’s my frontal cortex? Like, um, and so people like that who are just like, Hey, like don’t worry, it’s gonna be okay. You know, the line is not always going straight up all the time. I think they’re really valuable. Yeah.

Kalani Scarrott (40:56): And it’s nice. Yeah. Also, it does worry me every now and again how much a small comment can affect me. Mm. It’s like, I love it when it’s a positive one, but Yeah.

Kyla Scanlon (41:04): Yeah, yeah, me too. I’m just grateful. Oh, me too. Yeah, absolutely. And I, I don’t think people realize, and that’s something I try to be conscious about too, is like, it, it’s really simple to make people’s stays a little bit better by saying something nice to them <laugh>. So I like, I feel that and I’m sure. So I, I try to do that. Um, a lot is, is to be positive. Sometimes I struggle with it, but try to be positive. Yeah.

Kalani Scarrott (41:27): No, I love that outlook. Mm-hmm. <affirmative>. Um, in terms of generally, what do you think, and we’re still young so it’s a bit harder, but what do you think is the most undervalued life experience that university age students don’t give weight to? So what do you think is an underage skill or an experience that maybe they should have?

Kyla Scanlon (41:42): Well, I think that we both align with this is writing. I think that, and I, man, I hate seeing like the AI discourse where they’re like, Oh, nobody’s good up to write essays over again. It’s like, that’s not, that’s not true <laugh>. Um, maybe it’s like true to a certain extent, but, and like it’ll help like, um, enhance essays, but it, people are still gonna have to write to a certain extent. But I think like writing and conveying your ideas is super powerful because it allows you to synthesize better. It allows you to get your own thoughts out into the world because that’s something, and I, I’m curious if you are similar. I’ve really struggled with like, what are my thoughts <laugh>? Like what do I actually have opinions on? So I think like that sort of stuff is super valuable for university students to explore. Is like, okay, I have an opinion. Why do I have this opinion? What facts do I have to back up that opinion? Just like doing critical research on yourself.

Kalani Scarrott (42:32): Yeah. And the biggest thing I found, especially when doing the podcast, I used to, oh, I still do, I consume podcasts religiously. Like everything invests like the best. Like anything I can get my hands on and then I’m like, yep, I align with these views, I listen to it all the time. And then as soon as I try and talk and explain it, it’s, it’s, it’s donuts. There’s nothing there. Yeah. So being able to write and explain it is crucial. So important.

Kyla Scanlon (42:54): Yeah. I’ve, um, I’ve recently started to, so I have like, um, an alt TikTok account where I post more of like my life and like philosophy things cause I love philosophy and I’ve, it’s really been interesting to turn the camera on myself and to be like, okay on the spot, like what’s the difference between loneliness and being alone <laugh>. So like trying to come up with those bigger theories or to figure out what I think about those things is Yeah, cause you’re right. Like if, if you do, if you’re put on the spot with that kind of stuff, it’s like, what do I think? Like what have I ever had a thought in my life? So yeah. Yeah.

Kalani Scarrott (43:26): <laugh>, are we allowed to plug it [REDACTED?

Kyla Scanlon (43:28): Oh yeah. <laugh>. I didn’t know. Wait, how do you know about it?

Kalani Scarrott (43:32): I just, it’s part of the research. I’d be, I’d be a bad podcaster, I’d be a bad interviewer if I didn’t know.

Kyla Scanlon (43:38): Yeah, well I mean it, yeah, for sure. Yeah. Um, that’s funny. Um, it, it’s goofy so it’s not always just sorry to put you on the spot. No, no, it’s, it’s totally, I brought it up. I brought it up my fault. Um, but I do think like that kind of stuff is valuable too. Um, I oh, it’s,

Kalani Scarrott (43:54): It’s a good insight. Yeah,

Kyla Scanlon (43:55): Yeah, yeah. But I think like also having accounts that are not just how people always perceive you to be, if that makes sense, is also important. Like, I get a lot of value from creating, like, I I, I used to make these short videos on the account [REDACTED] about like things that I was working through, like my mental health stuff, everyone’s mental health stuff. Um, so that kind of like creative outlet is helpful. Yeah,

Kalani Scarrott (44:23): Yeah, exactly. It’s an outlet, it’s a release. So no good on you <laugh>. And lastly, the plan from here, Keep building Bread? Um, how do you think about going forward? Do you set big, big goals or are you just taking it as it comes

Kyla Scanlon (44:34): Right now I’m just taking it as it comes. Um, it’s been amazing, like being able to interview somebody from the Fed. Um, was I <laugh> like indescribably, indescribably amazing. I can’t even put words to it. So for me, like it’s, yeah I wanna build Bread, wanna keep on innovating on content and really figure out how to bring more people into this, you know, economic entity, people are the economy sort of conversation. Um, and keep on creating these displayers about the world that’s going on. Have a couple of projects that will be announced eventually and that I’ve also been working on. Um, but yeah, build Bread, build the content. Just keep on on rolling. Yeah. Mm-hmm.

Kalani Scarrott (45:18): <affirmative> nice. Yeah. And anything else do you wanna add today? And obviously where to find you Kyla Scandal is probably the best starting point cause that contains everything. But, um, anything else you wanna add or plug?

Kyla Scanlon (45:28): Um, no. Yeah, so I have my newsletter, the YouTube channel, the podcast is called Let’s Appreciate. And then I’m on TikTok, I’m on Instagram, I’m on um, YouTube, like I said, uh, and Twitter. Um, so that’s all the content. And then yeah, at Kyla scan basically everywhere. And also what’s luckily about us is our names are pretty unique, so if you Google us, uh, I think I’m the only Kyla scan that that comes or Kyla Scanlan that comes up. So yeah, <laugh>.

Kalani Scarrott (45:58): Yeah. Perfect. Totally agree. Sometimes you can’t avoid it

Kyla Scanlon (46:00): Kind scan. Yeah. For better or worse, there’s some pictures that are from college, um, in the Google images and I’m like, I I would love for these not to show up <laugh> all my, They’re not bad. They’re not bad. It’s just like, oh God.

Kalani Scarrott (46:13): Yeah, no, I have the same experience. Remember what was Google’s social network called? Google Plus or whatever it was.

Kyla Scanlon (46:19): Oh yeah, yeah,

Kalani Scarrott (46:20): Yeah. There was one on there and I was like, Oh my God, this is the worst thing ever. And I petitioned to get it removed and then finally cause they went under it disappeared. I was like, Oh, thank god.

Kyla Scanlon (46:26): Yeah, mine is like attached to some stuff I was doing in college and I’m just like, Oh, you know, it’d be awesome if this wasn’t the very first picture that came up, but what can you do <laugh>?

Kalani Scarrott (46:38): And the more you click on it, the more it records.

Kyla Scanlon (46:39): Oh God. Oh, it’s fine. It’s fine

Kalani Scarrott (46:42): I’ll cut this out.

Kyla Scanlon (46:44): No, it’s okay. It’s very like, just, it’s like a very much, um, uh, I don’t know, like a silly thing to worry about, but definitely just don’t worry, <laugh>.

Kalani Scarrott (46:52): Yeah. Yeah. Uh, so yeah, Kyla, thank you so much for coming on. It’s been great and I’ve learned so much more Yeah. Than what I thought. I mean, I thought I would learn a lot, but thank you so much. Really

Kyla Scanlon (47:00): Overall. Yeah. No, no, always, always. Happy to. Thank you for having me.