Shows
Growing Money with Sean TraceBudgeting for Families: Save More, Argue Less | Rob Bertman | Growing Money with Sean TraceIn this episode, we unlock the secrets to building a budget that actually works for your life. Rob Bertman, Director of Family Budget Services at Buckingham, shares his journey from investment management to helping families save more and stress less. Together, we explore why tracking your spending is the ultimate first step to financial freedom and how to create a budget that’s empowering, not restrictive.We dive into how aligning your spending with your values can transform your relationships and reduce financial stress. Rob breaks down practical, family-friendly budgeting tips, showing you how to cut costs wi...2024-12-0450 min
Student Loan PlannerWhat’s Stopping You from Getting Financial Help? Overcoming Challenges to Live Your Best LifeGetting financial help isn't easy, but avoiding it can have a ripple effect on your life. Lauryn Williams, CFP®, CSLP®, and Rob Bertman, CFA, CFP®, are diving deep into the long-term consequences of not getting the support you need. They explore the barriers to seeking financial help, emphasizing the stigma, shame, fear, and hopelessness that often surround financial issues. Discover how to reframe the narrative to focus on the positive aspects of student loan debt in particular, such as education and career opportunities. Rob and Lauryn also tackle the cultural taboo surrounding discussions about finances and seeking the...2023-07-2538 min
Student Loan PlannerDemystifying Life Insurance Myths with Rob Bertman and Lauryn WilliamsThe topic of life insurance has so many nuances that even people who already own policies find it confusing. Lauryn Williams, CFP®, CSLP®, and Rob Bertman, CFA, CFP®, discuss the complexities of life insurance and how it can be misused to exploit people. You’ll hear anecdotes of people who have invested in whole life insurance policies with high fees and low returns, sometimes being sold on the idea of building wealth by unscrupulous salespeople. The dynamic duo also shares how reputable financial advisors and investment options are more accessible and affordable than ever before. Finally, you’ll learn the imp...2023-05-3038 min
Student Loan PlannerThe Backdoor PSLF Waiver and Payment Pause Extension ExplainedWhy the PSLF waiver (that expired last month) isn’t really over and the confusing extension to the student loan payment pause are just two recent developments that continue to unfold around student loans. Senior Student Loan Advisors Rob Bertman, CFA, CFP®, and Meagan McGuire (Landress), CSLP®, as well as Student Loan Advisor Sim Terwilliger, CFP®, CSLP®, will walk you through the latest updates that can make or break your student loan repayment plan. In today’s episode, you'll find out: Why the PSLF waiver isn’t really over The latest extension to the payment freeze What it mea...2022-11-2946 min
20/20 MONEYStudent loan planning in a post-COVID and uncertain legislative environment with Rob Bertman from Student Loan PlannerWelcome to this episode of 20/20 Money! My guest on today’s show is Rob Bertman. Rob is a senior consultant for Student Loan Planner who specializes in making customized, easy-to-implement student loan plans for people with 6-figure student debt and up. He has been a financial professional for nearly 20 years and holds both the CFA and CFP® designations. Rob is also the founder of Family Budget Expert where he helps parents who feel behind financially finally find the extra money to build savings and pay off debt without a restrictive budget and even if they don't see eye...2022-11-2854 min
Student Loan PlannerHow to Create Inspiring Goals that Empower You to Pay Off Your Student LoansToo often, we set goals and we never reach them. Why is that? It’s most likely because our goals aren’t inspiring enough! If your goals haven’t inspired you enough to pour your heart and soul into reaching them, let’s fix that. Join us, Rob Bertman, CFA, CFP®, and Lauryn Williams, CFP®, CSLP®, as we talk about how to set inspired financial goals so you can become debt-free and live the abundant life you want to live. In today’s episode, you'll find out: How to turn boring, ineffective goals into inspiring, effective goals The pow...2022-05-3143 min
Reduce Debt Increase WealthHow to BudgetSend us a textThis is a quick and easy way to get started with a budget. Knowing categories and the percentages of each is key in keeping a successful budget. Article Links: https://www.quicken.com/blog/budget-categories By John Worleyhttps://familybudgetexpert.com/budget-categories/ By Rob Bertman CFA, CFPSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Sp...2022-03-2730 min
Student Loan PlannerWhat Interest Rate Chaos Means for Your FinancesSenior consultant Rob Bertman, CFA, CFP® joins me to discuss recent developments related to interest rate policy at the heels of Russia’s invasion of Ukraine. We also cover the impact of subsequent decisions to be made by the Biden administration in the coming months on interest rate policy. In today’s episode, you'll find out: What to expect from the housing market this summer as interest rates continue to rise The impact of 1% difference in a mortgage interest rate Why a typical middle-income family might itemize their mortgage interest If we think interest rates will keep...2022-03-0848 min
Student Loan PlannerSigns You’re Doing Better Than You ThinkHaving six figures of student debt to pay off can often make you feel like you’re in bad shape, and for good reason. But as SLP consultants Rob Bertman, CFA, CFP®, and Lauryn Williams, CFP®, CSLP®, explain, you may be doing better than you think. Listen in for a positive, upbeat message and learn how to change your paradigm around your student loans and the various opportunities available right now to help you accomplish your goals. In today’s episode, you'll find out: How a simple shift in perspective can help you see that yo...2021-12-2829 min
Student Loan PlannerNavigating Today’s Crazy Housing MarketSenior Consultant Rob Bertman, CFA, CFP®, joins me in this episode as we take a deep dive into the current state of the housing market. With so many people on the fence about buying a new home this year, Rob and I tackle the most important things to consider before making that all-important decision. Listen in as we discuss how to navigate unpredictable supply chains and fluctuating material costs when renovating your house, questions to ask yourself in the process of deciding whether to buy a house, and why homeownership is not the key to f...2021-08-1746 min
Crushing DebtThe Student Loan PlannerDo you know how to invest to pay down student debt while planning for the future? What is the likelihood of federal payments resuming in October 2021? What do you need to know and how can you prepare for either outcome? How can you figure out your best path forward? To determine if you should refinance or if you should work toward forgiveness programs such as a PSLF (Public Student Loan Forgiveness)? In this week's episode of The Crushing Debt Podcast, we interview Rob Bertman of Student Loan Planner. You can find them at w...2021-07-1533 min
Student Loan PlannerInvesting while in SchoolAs investing becomes increasingly popular and accessible, especially with cryptocurrency and NFTs, young adults and students are becoming more interested in making a passive income. But should you really be investing while in school? If so, what are the best ways to invest as a student? Join Rob Bertman, CFA, CFP®, and Molly Laughter, MBA CFA, CFP®, to discuss whether or not investing while in college is a good idea, and how to approach investing, saving, and budgeting the right way. In today’s episode, you'll find out: How to lower...2021-07-0650 min
Student Loan PlannerTop Advice to Dads for Helping their Kids with Student LoansWith Father’s Day just around the corner, Lauryn Williams sits down with Meagan Landress and Rob Bertman to offer advice to dads who are in the process of helping their kids with their student loans—whether by helping to pay them down or taking on the loan in their name altogether. In today’s episode, you'll find out: When and how to take on a Parent PLUS loan Why you don’t need to pay extra toward your loans if you are going for forgiveness Why it’s more productive to look at your kids’ loans indivi...2021-06-1544 min
Student Loan PlannerHow to Get Ready to Spend Money Again Post PandemicAs much as we’re all itching to get back to normalcy in our day-to-day lives, we need to think about how we can ease back into spending on a daily basis without sabotaging the financial goals we’ve set for ourselves throughout the past year, particularly around student loans. In today’s episode, Rob Bertman, CFA, CFP®, sits down with Lauryn Williams, CFP®, CSLP®, and Dan Rooker, CFP®, CSLP®, to discuss five steps to getting ready to spend money again in a post-pandemic world. In today’s episode, you'll find out: How to transition yo...2021-05-1842 min
The Lawyer's Escape PodRob Bertman shows us that our lives don't have to be dictated by student loansRob Bertman is a senior consultant at Student Loan Planner, and a CFA and CFP. Rob talks to us about how it’s possible to manage your student loans around your life, rather than have them dictate what your options are. We get into how it’s even possible to have a runway for starting your own business while carrying loans. If there’s one message I hope people get from this is that you aren’t as trapped as you may think, and you do have options. You just have to tackle the issue head-on.
In this epi...2021-05-0442 min
The Dear Doc Podcast™Rob Bertman CFA, CFP on Student Loan RepaymentBob Bertman CFA, CFP, a consultant for Student Loan Planner, talks with Doc about some of the different options available to dentists for paying off their student loans. In this episode, they discuss what to look for to determine the plan that best fits your situation.2021-04-2200 min
Conversations for Financial ProfessionalsRecapping Season 1, Preview of Season 2Welcome to another episode of the Conversations for Financial Professionals podcast where we are shaping the next generation of financial advice.
I hope that you have enjoyed Season 1. I am really excited about Season 2 and what we have in store for you. During this bonus episode, I am going to recap everything from Season 1, including a one-word takeaway from each Season 1 interview.
I will also give you a sneak peek of what to expect in season 2 on topics and guests!
Show Highlights:
Why I revamped the podcas...2021-04-1447 min
The Stress-Free Dentist ShowRob Bertman of Student Loan PlannerRob is a CFA and CFP and we discuss how young dentists can have a clear plan for managing their student loan debt. According to Rob: "We see that dentists feel less stress when they realize that they having a plan to tackle student loans. Also, that it’s possible to build the student loan repayment strategy around life and career rather than having to build those around your student loans." Go to www.DealsforDentists.com and find their promo offer of: Get an additional 6 months of follow-up support with every custom student lo...2021-04-0948 min
Everyone's Talkin' MoneyThe Three-Step Method to *Finally* Do Budgeting Right | Rob BertmanHow many times have you tried to budget only to find yourself unmotivated, stress out, and ready to just give up on it all? You are not alone. Most people don't enjoy budgeting and just give up after a few months. However, there is power in knowing what money is coming in and out of your bank account. In this jam-packed episode, Rob Bertman, CFA, CFP, and the founder of Family Budget Expert, will show you how to use a three-step method to finally do budgeting right.What You'll LearnWhy budgeting doesn't...2021-04-0642 minConversations for Financial ProfessionalsCFFP #08 The Future of the Student Loan Crisis ft. Rob BertmanToday we have Rob Bertman. Rob holds both the coveted CFA and CFP® designations and is a University of Michigan alum. As a senior consultant for Student Loan Planner, he helps borrowers rid themselves of student loan debt.
Rob is also a Family Budget Expert helping parents find the extra money in their budget to reach their financial goals.
Today we are going to talk in depth about the student loan crisis. Rob will answer: (1) Just how bad is the crisis through his first-hand personal assessment of the situation; (2) what the contr...2021-03-2444 min
*morebeat*activated PodcastWhen I Play Activated Techno 03/2021Hi
When i play activated Techno! 03/2021
Is the third live mix of my Traktor Pro 3 - 4 Track Decks series.
Where in addition to my Kontrol S4 mk3, I also use the Kontrol X1 for additional filter & FX control!
This time 2,5 hours best peak time driving power techno with 140 BPM...
Greets & Beats
Thommy
Playlist!
01/ Marc Molina - More Than Physical (Manuel Palmitesta Remix)
02/ F-Rontal, Deborah De Luca - 12 Days Left (Loco&Jam Remix)
03/ H! Dude - MR STILMANT
04/ A.S.Y.S. - No More Fucking Rock'n' Roll
05/ Patrik Berg - Bright
06/ Matt Sassari - Akuyeri
07/ Dosem & Prok & Fitch - Whispers
08...2021-03-192h 24
Student Loan PlannerIs 2021 a Bubble for Investing?Wondering what’s going on with the financial markets? I’m joined by consultants Rob Bertman CFA, CFP® and one of our newest consultants, Molly Laughter MBA, CFA, CFP® to examine whether we’re in a bubble. The three of us have a variety of experiences handling billions of investment dollars. We’re doing a technical deep dive into what is going on with the financial markets and what the investment landscape in general is currently like. And most importantly, talking about what it all means for investors and student loan borrowers. In today’s episode, you'll find out:2021-03-1647 min
Everyone's Talkin' MoneyWhat You Need to Know About Student Loan Forgiveness | Rob Bertman
Will your student loans be forgiven? There’s a lot of chatter in Washington right now about student loans, and in today’s episode, we’re going to talk to Rob Bertman from Student Loan Planner about the recent forgiveness proposals and what they mean to your student loan debt.What You'll Learn
How the recent student loan forgiveness proposals will impact you
Should you pay off your loans or wait
How will refinancing change
Ways to figure out if you should refinance your loans
Meet RobRob Be...2021-03-0541 min
20/20 MONEYStudent Loan Planning in 2021On this episode of 20/20 Money! My guest on today’s show is Rob Bertman. Rob is one of the resident experts at Student Loan Planner, a business that was founded by Travis Hornsby that has now grown to a number of consultants that have collectively provided more than 5,000 consults on over $1.2B of student loan debt. Rob joins the show today to help optometrists answer one of the most common questions that we get from younger ODs: how should I start thinking about paying back my student loans? In this wide-ranging conversation, Rob shares the basic formula fo...2021-03-011h 07
Couple Money Podcast[Simplify & Enjoy] How to Build a Family Budget That Actually WorksFor many families, 2020 threw us for a loop. Today we’ll look at how you can revamp and build your budget so you can hit your financial goals faster! Revamping Your Budget I think it’s fair to say that last year did not go as any of us planned. I’m not going to recap the year – we were all there- but honestly, we had a lot curve balls thrown at us. Because we had to make so many changes with how we worked, did school, and more, our day to day routines changed and our b...2021-01-1923 min
Simplify and Enjoy PodcastRevamping Your Budget TogetherFor many families, 2020 threw us for a loop. Today we’ll look at how you can revamp and build your budget so you can hit your financial goals faster! Revamping Your Budget I think it’s fair to say that last year did not go as any of us planned. I’m not going to recap the year – we were all there- but honestly, we had a lot curve balls thrown at us. Because we had to make so many changes with how we worked, did school, and more, our day to day routines changed and our b...2021-01-1923 min
The Doctor Nessim ShowEp 24 - Rob BertmanIn this episode, Rob Bertman, CFA, CFP and I talk about student loans and is perfect for any premed, med students, residents or maybe even attending physicians that are still trying to pay back their student loan.2021-01-0937 min
AdoptionDiscovery.orgMoney MattersToday Rob Bertman of the Family Budget Expert gives parents tools to manage money while raising a family. Get your ducks in a row sooner rather than later. Adoption Discovery can help you adopt for $0 but you will need to manage money to raise your family.
Rob Bertman, CFA, CFP® Founder - Family Budget Expert Couples Consultant, Speaker, Corporate Trainer
Hey parents! Want to learn how to cut spending so you can FINALLY save money and pay back debt?
Get your free 5-step guide here "Save more. Argue less. Keep t...2020-12-1015 min
Student Loan PlannerBack to Basics: What You Need to Know About IDR PlansJustin Harvey, CFP®, and Rob Bertman, CFA, CFP®, explore income-driven repayment (IDR) plans, how each can affect your financial future, and strategies to help you maximize your student loan repayment and keep more money in your pocket. In today’s episode, you'll find out: What the IDR payment cap is and what plans have one Which IDR plans are best for physicians and other high-earning professionals How the Standard Repayment Plan can factor into your IDR plan Which plan is best if you expect a big jump in income The two main strategies you need to pay...2020-10-2037 min
The Indirect Vision Podcast#33 Rob Bertman - Crushing Student DebtRob is a Senior Consultant at Student Loan Planner and has done more than 800 individual consults advising on over $200 million in student debt. In addition to that, Rob is the founder of Family Budget Expert where he helps families get a handle on their budget so they can reach financial freedom. Rob is a Certified Financial Planner and a Chartered Financial Analyst.2020-10-1433 min
PT Student CenterEp. 185 - Building a Personalized Plan to Pay Off Student Debt with RobYou'll want a pen and paper for this one! On this episode of GRADitude, we are joined by Rob Bertman, senior student loan advisor of Student Loan Planner. As a certified financial analyst and planner, Rob has met with and consulted all types of graduate students and their debts. Not only has he helped them pay off their student loans, but also build lasting financial futures for their unique lives, careers, and values. He shares with us all kinds of financial expertise, from the difference between refinancing vs. consolidating student loans (and when to use each one) to the im...2020-10-1449 min
Student Loan PlannerYour Student Loan Questions AnsweredWe have seen a lot of changes to the student loan system over the last few months. The Student Loan Planner team of consultants - Meagan Landress, Lauryn Williams, Justin Harvey, and Rob Bertman - are following the changes to keep you up to date. In this episode, they’re answering your questions to give you the low-down on student loans. In today’s episode, you'll find out: How your payments are calculated if your income goes up How a partial financial hardship factors into your payments Can your servicer kick you off an income-driven repayment plan...2020-10-0642 min
Student Loan PlannerBest Tips for Financial Planning: How to Balance Saving, Investing, and Paying off Debt with Student LoansStudent Loan Planner consultants Rob Bertman and Meagan Landress share their best tips to find balance with budgeting, saving, investing, and paying off debt without sacrificing your quality of life. In today’s episode, you'll find out: The right balance between paying off debt and saving for the future The one thing you need to set yourself up for financial independence Why Landress thinks zero-based budgeting is exhausting and what she does instead Bertman’s 3-step process to setting up the perfect budget Strategies to realistically reduce how much you spend each month Why experimenting with budg...2020-09-2955 min
Worth Listening with Lauryn WilliamsParents' Guide to Winning with Money, With Rob BertmanToday’s guest is Rob Bertman, CFA, CFP® from Family Budget Expert. Rob had achieved his dream career of being a partner in a successful investment management firm when he felt the urge to strike out on his own in a new direction. He started The Family Budget Expert to help families improve their lives and financial situation by helping them alleviate the #1 relationship stressor—challenges with spending. He researched and created simple techniques that couples can use to overcome the financial struggles of spending and debt. Today Rob will share with us more about his bac...2020-04-2148 min
Political Pharmacist PodcastEpisode 26 - What Pharmacy Schools Aren't Telling Students with Rob BertmanRob Bertman, from StudentLoanPlanner.com, discusses some recent articles they've shared on pharmacy schools and issues they have seen with them. Some of these issues deal with transparency and some deal with the number of grads they are pumping out. It's not all bad news though, we discuss how there are ways to tailor student loans to fit your lifestyle and what could happen in the future with the 2020 presidential race.
Here are a link to some of the articles we discuss in the podcast at StudentLoanPlanner.com:
https://www.studentloanplanner.com/pharmacy-school-job-market-data-explained/
https://www.studentloanplanner.com/category/pharmacist/2020-03-0733 min
Student Loan PlannerYour interest is not nearly as bad as you thinkIf you’re overwhelmed by the idea of student loan interest raging out of control, this episode is for you. I sat down with our senior student loan consultant, Rob Bertman, CFP®, CFA to dig into the details about why student loan interest isn’t as bad as you think. Bertman has over 15 years’ experience as a financial planner and is the mastermind behind Family Budget Expert. Here’s what he has to say about how interest can impact your student loans. In today’s episode, you'll find out: • Why student loan interest isn’t as bad as you...2020-03-0355 min
Lessons from a QuitterEp. 81: Tackling Your Financial Plan So You Can Quit With Rob BertmanAre you staying in a job you hate because of money? The #1 reason I hear from people when they tell me they can't quit is finances. Whether it is too much debt, not being able to replace their salary, or not being able to cut back, money seems to be a big block from living the life they want. But when I push just a bit, I realize that most people have no real idea of their actual numbers. They think that they have...2020-01-2153 min
Johan N. Lecander Trance & Techno MixesAcid Procrastinations Volume 07 (2019)01. [00:00:00] Karim S,Lounasan - The Sunny Voices (Formwandler Remix) - Bonzai Progressive
02. [00:06:02] Rob Acid - Long & Dark (Original Mix) - Dolma Red
03. [00:11:57] F-Act - Puzzle (Original Mix) - Bonzai Progressive
04. [00:18:28] Rob Circuit - Comb (Original Mix) - Dreibergen
05. [00:23:51] Gregor Ostheimer - Brain (Original mix) - Mona Records
06. [00:27:51] Juliane Wolf - Acid Kitten (Original Mix) - Stripped Digital
07. [00:32:53] Scott Rotton - Acid Souls (F-Act's Back To The 90's Remix) - Bonzai Progressive
08. [00:36:53] Fractious - Acid Reflex (Vlokken Remix) - RAW WORX
09. [00:39:53] CMCK - Things Are Getting Bad (Original Mix) - Full Tec Recordings
10. [00:43:38] Bertman - Enjoy the Acid (Original Mix...2019-12-111h 16
Student Loan PlannerWhy do financial advisers give lousy student loan advice?Why do so many financial advisers give lousy student loan advice? In this episode, the Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — discuss what to look for in a financial adviser, what leads to this bad advice and why an experienced financial adviser is key. In today’s episode, you'll find out: What to look for in a good financial adviser Why financial advisers need to disclose all conflicts of interest Why Student Loan Planner isn’t a fiduciary investment adviser How Student Loan Planner can provide the best cash-back bonuses...2019-10-0138 min
Student Loan Planner26 ReasonsThat Make Your Student Loan Plan UniqueDo you wonder why our student loan plan consult form has you give so much information? Hear the Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — break down all 26 questions and explain how your plan is unique. In today’s episode, you'll find out: How the consultants react to learning someone’s occupation Why the consultants want to know what metro area you’re How community property states affect student loans How your choice of school might influence your loans The consultants’ thinking on different loan balances Why knowing the different kinds of loa...2019-09-1042 min
About Sex Podcast with Angela SkurtuThe Founder of Family Budget Expert with Rob BertmanAfter 15 years in the investment business, Rob Bertman decided to help parents where they need the most financial help, their budget.
Through 1-on-2 consults, workshops, and speaking engagements, Rob helps couples find the money they need to pay back debt, invest for future and reach their financial goals even if they don’t see eye-to-eye on money and kids are breaking the bank.
Connect:
familybudgetexpert.com
About Us:
www.aboutsexpodcast.com
Angela Skurtu is a licensed marriage and family therapist and an AASECT certifi...2019-08-1900 min
Student Loan PlannerStudent Loan Success (and carnage) StoriesThe Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — discuss cases they’ve had, with amazing success stories as well as financial catastrophes. In today’s episode, you'll find out: ▪ Fun background stories from each of the Student Loan Planner consultants ▪ Cases from each of the consultants — success stories and ones where they were too late to stop someone from making a huge financial mistake ▪ Why banking on Public Service Loan Forgiveness (PSLF) isn’t risky for current borrowers ▪ How student loan forgiveness instead of refinancing, depending on the situation, mi...2019-06-1841 min
Student Loan PlannerSLP Consultants Debate Shady (and Legit) Payment StrategiesAre you familiar with shady student loan practices versus legit ones that actually help student loan borrowers? In this episode, the Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — discuss what type of strategies to steer clear of and which ones could potentially save borrowers both money and stress. In today’s episode, you'll find out: Whether a borrower should claim that they can’t access their spouse’s income information How student loan repayment strategies can sometimes lead to divorce If starting your own 501(c)(3) for loan forgiveness is a good...2019-05-2838 min
Student Loan PlannerWhere do people lose most of their money? | Robert BertmanThere are 40 million people currently carrying student loan debt and about 3 million have six figures of student loan debt. Rob is one of our senior consultants who is a Charted Financial Analyst (CFA) and a Certified Financial Planner (CFP). He has done over 400 consults for Student Loan Planner and specializes in helping people who have student loan balances between $200,000-$400,000. After meeting me at the Cortex Innovation Community in St. Louis and listening to a few of my consultations, Rob knew he wanted to join the team. After graduating college in 2001 and working a few jobs including...2019-01-0145 minAbout Sex Podcast with Angela SkurtuThe About Finance Podcast (episode) with guest Rob BertmanOn this episode, we meet Rob Bertman to discuss finance and his method for saving money called Keep, Cut Back, Eliminate. His method helps people save more money without missing out on the fun and without a complicated budget.
While money is not directly about sex, most of the time you need some sort of money to have a sex life.
Our guest this week:
Rob Bertman, CFA, CFP - Founder, Family Budget Expert
www.FamilyBudgetExpert.com
About us:
Angela Skurtu is a licensed marriage and...2018-03-2900 min