Cryptocurrency Investing for Dummies, with Kiana Danial

There's money to be made in all markets... stocks, property and certainly cryptocurrency. But like ALL investments, it's important to know what you're doing.

Crypto is known for its volatility, especially after the 2018 rise and fall (aka pump and dump) and this episode I'm chatting with Kiana Danial, author of the book Cryptocurrency Investing for Dummies.

You can grab the book here 

And learn more about investing in stocks here

xo

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Simone Mercer Huggins:
I spent the last 10 years learning from the most brilliant minds in money, wealth, and investing to take myself from $20,000 in debt to a multi six figure investment portfolio. He don't know where to start. I get it being that too, but you just being here means you're part of a group of driven women, changing the game and taking control. So join in and follow along as they share the secrets towards more money, more investing and more freedom. My name is Simone Mercer Huggins, and welcome to ms. Wealthy's. Kiss my money podcast.

Simone Mercer Huggins:
Thank you so much Cana for joining the podcast. I'm super excited about our conversation for those of you who don't know Kiana. She is honestly, she's also in my space, but I'm going to talk to her today about crypto and Keon is kind of, she's been doing this for quite a while. She's award-winning international recognized and been featured in wall street, journal, time magazine, CNN, full Strait, and many others talking about basically the investing world and recently has also written a book called crypto currency for dummies. Did I get that right?

Kiana Danial:
Yeah. That's the currency investing for dummies investing. Pardon?

Simone Mercer Huggins:
Thanks so much for coming on. It's awesome to chat with you here.

Kiana Danial:
Thank you so much for having me. It's so exciting to see women, you know, big taking leadership in this field and I'm so happy that your podcast is taking off. Yeah, it's, it's

Simone Mercer Huggins:
So refreshing to have more women in the investing space, even in like the new spaces like cryptocurrency, because like when I started, I mean, and it is still true that the investing world is dominated by men. So it's so refreshing having a woman and be able to like, just chat to about this stuff, because like we learn differently. We talk about it differently, you know?

Kiana Danial:
Right. And we get more intimate. It's interesting. Like today I was actually interviewing also another woman in the, in the field and it's, it's a different kind of chat. Like we go deeper, we talk about feelings, we talk and we're just going to still get the work done and we still make money. So yeah, it was very fun for me to see women in the field too. So I'm very excited about what you're doing. Yeah.

Simone Mercer Huggins:
It's um, it's awesome. You know, I feel like when you find one in the space, you like I'm to buy like hold on to them clutch the time. So I'm going to ask you just quick, rapid fire questions to get to know you a bit more before we dive in, um, just full first one. Where'd you grow up?

Kiana Danial:
I grew up in Iran until I was 18. And then in Japan until I was 25, I got it. Yup. I grew up that's when I grew up and then, then, then it stopped. Then I stayed that age and I never aged ever again, 25th birthday every year. Um, what is your favorite quote? Quote? Oh, patience is a profitable virtue. Oh, so good. Love that. Um, three name, one thing you love spending money on investing. Really? I'm so boring. I'm sorry. I am really boring with that. That's the only, that's the only thing I invest money on. So you would have like the most awesome answers for you was Saint Lamborghinis.

Kiana Danial:
There's no right or wrong answer. It's just insight into who you are. Okay. Last but not least. What does money mean to you? Money is just a tool. It's just a tool that really, uh, helps, helps facilitate the lit the life they like living. And there is nothing more, there is no bad or good just how you spend it. Good. Awesome. Perfect. Um, so I want to know kind of, and I actually don't know this story, so I would love to know how did you get into the investing world and then how did crypto become such a massive feature for you? Cause it's, I'm actually curious to know. And actually it's the question I get asked the most. How did I get so deep into investing? So yeah. Tell me about where it started for you. Right. So I think for me dislike many other of us, it was random.

Kiana Danial:
I w it wasn't like my calling or a dream of mine growing up. I actually wanted to become an astronaut, uh, growing up. And then I decided I wanted to become a president of a country. And none of that happened. Um, I went to Japan after going up in Iran. I went to Japan to study electrical engineering and growing up, I actually, um, money just so like many other of us, it was taboo, not taboo, but you didn't talk about money. You didn't want to be in a field that it's all about money. It was all about all don't work for money, all the kinds of things that you hear growing up. So I was kind of pushed to go and study electrical engineering because that was fancy of Iranians. Yeah. Don't get surprised. Iranian women are all about being, becoming an engineer. So that's the route that I took.

Kiana Danial:
And I got a scholarship from the Japanese government to go and study in Japan, which was weird. And I'm not going to get into how I got bad and how that happened. But I was supposed to go there only for six months. I ended up staying there for seven years and I said, it all electrical engineering in Japanese, again, my school was against money. My professors were against money if I ever had talked about, Oh, I want to make money out. They would have kicked me out of the class. So it was all about science, science, science, which is fine. But there was some part of me that was always interested in the financial world that was like what's happening. Especially being in Japan, having to convert my currency constantly to the Japanese yen and looking at the U S dollars. I had that in the back of my head, but I never thought of getting into it until the 2008 market crash habit.

Kiana Danial:
And again, at that time I had no idea what a market crash mean, who Lehman brothers were, what is a financial crisis? Like nothing, zero. But all I could hear was that the U S dollar though, it's getting cheaper versus the Japanese. And so that is something that I could relate to because I used to convert my currency all the time. Right. And I thought, all right. So if the U S dollar was getting cheaper than maybe I should buy you a dollar at a lower price. And so I started, it was August of 2008. I started going to the ATM. I converted some Japanese into U S dollar at like 105. And I'm like, yes. So I didn't do all of it. And then the next day I'll say, I went back to the ATM. He was 102 it's a, $1 was 102. The next, it was 100, the next it was 99.

Kiana Danial:
I'm like, Oh my God, what is it going to go down? I don't want to convert it before it gets to the lowest price possible because otherwise, like I'm missing out. And I was like, maybe I should write a code about it. And see, maybe my bank can like, get it. I started having it, an engineer mind about it. And like, maybe I should program something to the bank and ask them to buy it at the lowest price. So I did not know trading exists. Like that is how it was when it came to finance. And I don't know where I was talking to one of my friends and she told me that, yeah, there's, I mean, you don't have to do, you don't have to reinvent the wheel. There is something that can help you. It's called trading. So why don't you go and open up a brokerage account?

Kiana Danial:
What was the broker account? So, anyways, so she hooked me up. She did the whole thing for me, and we could feel that the USR was going to go even lower. And she did something very risky, which was to took, put me on leverage psych, I transferred 10,000 worth of Japanese yen in U S dollar into that broker. And we said, okay, we're going to sell. And I think it was 91 or something. And she put me at 14 times leverage, which is something that nobody should ever do. Wow. That's massive. Yeah. And I got, like, I got like, and I may, I, I double that money within a month in September. And that is when, when I'm like, like imagine engineering college, geeky. And I'm like, Oh my God, $10,000 in the month without doing anything. So that's how I got interested in it, but I still wasn't.

Kiana Danial:
Um, I still wasn't comfortable or confident enough to invest on my own. Cause I knew I got lucky. So, um, I decided to go to a money manager and have them manage my money. Uh, yeah. And then what happened? So again, since this is in Japan, it might be different than other countries, but there's this guy who approached me there. Um, company on online website looked legit. Everything was, and still looks legit to this day. And he convinced me to give him $50,000. So by that time I had a Japanese show on TV. So that's why I was making money. And I did, and I never saw that money ever again. Oh

Simone Mercer Huggins:
My, you know, I just, it is an old, too common story. It really is. And every like it, I have literally people DM me and private message me about like, Hey, I got taken for a ride. I gave this money to like, someone there told me I'd, you know, triple or quadruple my money, like in like the first month that like whatever. And it breaks my heart. And it's partly why I now do what I do, which is train women to invest themselves, not hand their money and power over. Um, like fortunately for me, I've never actually experienced that, but your story is so common. It's scary. So I guess in some ways you must want the hard way got lucky.

Kiana Danial:
It was both for me. I got lucky then got unlucky second. But I think the fortunate thing was that because I had seen the money that was actually made, I kind of had faith in it and I decided to take the matter on my own. And that's why I just quit my job and call it now college, I graduated and then I quit my job. I came to the U S and New York and I started working on wall street. I just really wanted to learn all about this thing. And then when I got to wall street, I again came across all these shady stuff. Uh, so I started working at a broker. Then I have to say the other side of the, uh, the trade and all the other shady stuff. So it was just mind blowing. And that's why I decided to take matters on my hand again. Cause I was like, I'm obviously not alone. And, um, I decided to start my, my educational platform to help. Well, at the beginning I was only women. Now I'm a little bit beyond that, but, um, it is hard to just be women by the way, because I have some students that I, but still, it is getting a little bit better since seven years ago, but it's still very, very male dominated. So I hope that you can continue.

Simone Mercer Huggins:
Yeah. It's um, so many more managers just kind of willing to just jump in and try it. And there isn't this block around thinking that they're not worthy enough or thinking that they can't do it. And they're honestly the two things that stop women from getting in. It's not, they're not smart. I can give you like, you know, as you probably know, we can give the steps, but the block around thinking that they can't do it is honestly why I'm a women on investing. Exactly. And this,

Kiana Danial:
Even I've seen so many time and time again, women who do start investing and then they make a loss and then they just lose all the self-confidence. I'm like, okay, I'm not that out. Alright, bye. I'm not going to do it again. I'm like, if a guy had done that, they would just jump right back in and they wouldn't even remember that they made a loss because they only remember the things that they did. Right. It's just, it's so like women really have to become more confident. I am. I'm the same way. Sometimes I get down. If I make a mistake and I'm like, Oh my God, I'm what am I doing? And then I have to go back to my coaches. I'm like, Oh yeah. Okay. I'm doing the right thing.

Simone Mercer Huggins:
Yeah. And I think that's the difference. It really does help kind of having someone to be there and be like, no, it's cool. Or just like ride it out. Like one little thing is not going to impact your entire life. Like it doesn't make you bad at it. It's so funny how you started your, what started you kind of your interest in this? Well, at least investing in the stock market, um, even though you started with Forex was the 2008 crash. Cause that's exactly what started my interest. I was like, what is this? What is the crash? Yeah. Why are these being big banks crushing? Like what do you mean they're losing clients money? Um, that's how, yeah, I kind of started getting, wow, I didn't know that. So we have this same kind of origin story. And so it's funny. So major that is, you know, this like the basis of fear for so many people is actually how we got into it. Like

Kiana Danial:
Yeah, no, absolutely. And it is kind of inspiring to see that all of that crash then went back up and people who stayed and who didn't panic, they actually made money and they ended up in a loss. I think it was a great lesson to be learned there. I mean, now that the markets are going to repeat themselves over and over again, but still, that's why the quote that I love is patience, the profitable virtue, because it's just at the end of the day, those who don't panic are the ones who are going to be winners.

Simone Mercer Huggins:
Totally. Yeah. And it's such a good point because a big part of what I teach is, and I'm sure that you probably do the same is investor psychology, like having a strong psychology around managing and understanding risk and market movements, not listening to the news and not getting caught up with the emotions of some random person in a Facebook group telling you about Oh, right. And yeah. And it, it, it, it takes work like kind of managing that and not buying into the hype or lack of hype I'm talking of which so how did you get into crypto? Because obviously that was a big boom brace, you know, a little while back, um, I started getting into it in 2015 Southern investing before really no one even knew what a theory was, but I am definitely not an expert in their field. So how did you kind of start and then write a book about it? So

Kiana Danial:
You started earlier than I did. I was one of the biggest skeptics of crypto. Yeah. So back in 2011. So it's interesting because I was a Forex trader, which is one of the riskiest things you can ever trade. And in 2011, one of my investing Fred's and friends in Switzerland asked me, advise, advised me to buy Bitcoin at the time Bitcoin was $11. And I said, no, that's way too risky for me. I not doing it. And I kept getting questions from my students about, it's kind of like, not, sorry, I love you guys. I'm not going to answer. And it wasn't until 2016 that it company in the UK asked me to do research and analysis on blockchain and crypto for them. And I was like, Hey, I don't know anything about it. They're like, yeah, can you just do it anyway? I'm like, alright.

Kiana Danial:
So I started researching and I was blown away. It was just the technology, the disruption, the possibilities, and the fact that it really isn't a revolution that a lot of people are not seeing it, it blew me away. And that's how I got into it still. I was a little bit scared to jump in. I did not, I had not bought a single Bitcoin or any crypto for that matter right before 2017. So the bull happened, I went up, I didn't buy it. And then I was like, ah, I was reporting on it and I was talking about it, but I didn't buy until it actually crashed later on. So that is when I had completed my research and I was confident enough and I knew that it had the bubble has burst. And I was like, this is the perfect time to get in.

Kiana Danial:
And it truly was how I wrote the book. That was, again, something that I don't know why everything just stumbled on me is stumbled upon me. But, um, I was not planning to write a book at all. In fact, I was planning to take 2018 off because I had a baby, as you can see behind me, I have this Gates over here. She's now a year old. And I was trying to, I was planning to go on maternity leave and have all my investments on Odo and do nothing. But there was this guy who kept bugging me on LinkedIn saying, I have a crypto book deal for you. And I'm like, obviously you were a scam. I'm not going to trust you. Um, I ignored him for good, like three, four months. Literally. I think it was a week after I gave birth. I was in the hospital bed. And, um, and I was like, let me see who this guy is. He pinged me, had pinged me again. And they realize is actually the author of stock investing for dummies, uh, that the Wiley publication and the offered him to write this book. He was like, I don't know anything about crypto, but I think Yanna is the perfect person for it. So that's how I, and then I had the choice. I was like, okay, do I take her up my daughter? Or do I write a book, write a book. So that's what I did.

Simone Mercer Huggins:
Um, and so obviously as the book implies, it is investing, not trading. Um, which is great. So kind of, I haven't read the book personally. Uh, where does it, it obviously I'm guessing talks about blockchain technology and kind of, you know, the whole idea that I think a lot of people get to him actually

Kiana Danial:
Very thorough book. This is one of my, this is my third book. I think it's one of the, one of my best works yet because I start from, yeah, I start from the, you know, the questions that everybody's asking, what is a cryptocurrency? Where did this start? How do you buy it? Where do you buy it? Why do you buy it? The ideology behind it? I get into a mining block chain, all the good things, but then I get into the investing side of it, which is, you know, why add crypto to your portfolio, how to diversify it, comparing to stocks, bonds for expression metals. I talk about all of that in the book. I talk about technical analysis. I talk about risk management, um, but it's a very thorough book and talk about how to choose your broker wherever you are exchanges. And because this is a very rapidly evolving industry and the book have made sure to put as many resources that even if something that I've mentioned in the book is no longer valid, you are going to be able to really find your way out of it.

Kiana Danial:
I've I've given you the, um, the booklet, the handbook on how to navigate on your own and become a researcher about cryptocurrency and best thing kinda in the timeless manner. So yeah, it's been actually really good. I've had really, really good feedback, uh, from it, from people who read it. But of course there are people who are so incredibly skeptical of the whole field. Yeah. So even people who are following me, they are, uh, I I'm giving the book actually for free uninvested with.com, right? It's covered the shipping, but there are many of my followers are having, uh, taken up the offer. It's just because they still don't have the understanding. And they are caught up in the fact that, Oh my God, it was a bubble burst. But what they forget is that the internet, the.com was a bubble burst. And what now we're investing in Google and Facebook and Amazon and other tech companies that are based on the internet.

Kiana Danial:
And this is if not 10 times bigger than the internet revolution, it is here to stay. And the banks and everybody who we're calling it a fraud though. Now on it, Facebook is having this court on cryptocurrency. JP Morgan is having his own cryptocurrency. So they, they first try to try to resist it. They label it as fraught, but now they're trying, they know that it's bigger than them. So they are, they're trying to get ahead, but I don't see them comparing to what weight coin and true cryptocurrencies have to offer the banks days are numbered. Yeah.

Simone Mercer Huggins:
Yeah. I think I definitely have a strong belief that cryptocurrency is here to stay this idea that people think it's just going to die out. Um, particularly when Bankston selves are using it. Uh, well at least using the blockchain technology, um, you know, there are obviously thousands though of crypto coins and altcoins and whatever. Um, so I'm sure there are a bunch that are going to die out, but not all of like, I don't think certainly Bitcoin and the major ones.

Kiana Danial:
Yeah. So there's no way for us to know which one is going to be the one that sticks. So that is, that is what, that's the only thing that really makes it risky. So there are so many different ways that you can go about the risk management of it. But imagine if you had a portfolio of 20 five.com tech companies and Amazon and Google were one of them, even though like the 23 other ones out of business, if you had only two of them, you would be completely well off based on the ones that you had in your garbage vacation. So that's the way to go about it. In my opinion, there's no, I mean, Bitcoin is one of the biggest ones and it certainly is getting better, but it's not the best one by far, it has the best marketing, but it's not the best one. So that's what I talk about in the book as well. How to go about finding the cryptocurrencies that have potential in the future.

Simone Mercer Huggins:
Yeah. Okay. And so I want to hear your perspective on cryptocurrency as an investment for first time investors. So I guess from my point of view, I definitely have one on one clients that I work with. And even people that have come across my sauce and start kind of messaging me about, Hey, I want to get into crypto. One of the biggest questions I ask like first is have,

Kiana Danial:
Do you have any investments? I'm a big believer that crypto shouldn't really be your first investment ever. Um, I think stocks in terms of like risk and longevity and all that sort of stuff is a solid foundation, a solid base, and then start getting into crypto and other stuff. What's your view? So for the longest time, obviously I was at the, at the same view as you, and it really depends on the person and how much you understand the market and how much you're willing to risk, really, because I know people who are, have become millionaires just by having bought Bitcoin and they didn't have anything else. And then I also know people who lost everything because they bought Bitcoin at the high. So there definitely is a lot of risk. And it depends, as I said about your, it depends on your risk tolerance.

Kiana Danial:
Depends on your age, on your financial situation. Stock is at the moment today is probably a safer way to go about investing, especially if you're just starting out. But, um, so this is a funny story. Um, my parents, my dad, uh, they have only ever invested in real estate, nothing else, like there's super, super conservative, like stocks, super risky for them. I don't care about you guys. I'm going to start a cryptocurrency, California. So I started investing in Bitcoin for them and not big time, but like I have started a cryptocurrency portfolio for them with before even starting a stock portfolio. Uh, but that's just because they're older and I feel like maybe the boom can be a little bit, like they can take the risk, but it's not that much money. And I'm a little bit more passionate about the industry. So I'm trying to prove a point.

Kiana Danial:
And so it really depends on the person, but, um, I mean, whatever that you learn first at the end of the day comes into, it comes down to education, but they say always buy what you know, and if thought that, you know the best, then yeah. Start with stock. If it's cryptocurrencies and blockchain that you know the best. And to start with that. Yeah. It's like funny, particularly your view in the past that, you know, around it being a scam and all sort of stuff. And I think that it gets a really bad rap and it's a bad name, partly because of the volatility and you know, people jumping in, but also a lot of the people in the market telling you that, you know, you're going to get in and you're going to make a million dollars tomorrow. And yes, that has happened. But like you said, I know a lot of people, so that have lost like hundreds of thousands of dollars in cost.

Kiana Danial:
There are two factors that you really have to pay attention to. One is that the volatility is surreal. So if you're getting into it, you're not trading it. Like I have not traded a single one. Right. Um, I, uh, I just hold longterm. Cause the volatility, like it cannot beat the volatility even though, I mean, although right now is getting, is starting to follow the, um, uh, the technical analysis in the market sentiment as other assets. But the other part, the scam part that has been scammed that happens. I'm not saying that like there have been cryptocurrencies that have been scammed, especially after Bitcoin, there were like thousands of initial coin offerings and Russia and China that came up like, Oh, this the cryptocurrency scene right now, right now, today we have this guy pretending to be the inventor of Bitcoin while he's not, and like having the whole following about him.

Kiana Danial:
So yeah. Yeah. I'm not saying it's like every new market and industry at the beginning, it's vulnerable. So it's getting a lot better since 2017, after the bubble burst, the market had time to mature and built the infrastructure, but there are still things to watch out for. But I mean the same way that you have to watch out for anything, any, any sort of investing. So, um, but I just want to make a point that there are scams for sure. So the person that comes down like, Hey, buy my crypto, do your research because, um, it's not like, Oh, Kiana told me crypto sign, I'm going to buy, you're kicked out. Don't do that. Like you really have to be.

Simone Mercer Huggins:
No, absolutely. And I think, you know, I completely agree. And it does come down to putting the time and an effort in to where, like, you don't have to give up the day job and you don't have to, you know, spend all of your weekends doing it, but there is still an element. Like don't jump into something that you have no idea about. Like, is this something that I definitely started talking about a lot recently is this idea of anyone can get their degree from the university of YouTube, but it's not, it's just information. It's not actual expert knowledge and profitable knowledge. That's going to get you where you want to go. Especially long.

Kiana Danial:
Oh my God. 100% considering also the amount of misinformation.

Simone Mercer Huggins:
Oh my God. So much. Yeah. There's so much in misinformation and not like not a script or like everything,

Kiana Danial:
But everything just go search. I've done it actually just go search how to make money online. Oh my God, you get videos that have millions and millions of views and they sound legit and you look at it and I'm like, Oh my God, this is from the Shadys company ever anyways. So yeah, 100% agree with you on that. Yeah.

Simone Mercer Huggins:
It's um, it is scary, but really when it comes down to it, I think you've got to do it yourself. I'm not canned your power and money away by giving it to someone else, basically. Um, and okay. So in terms of your portfolio, crypto is obviously a big one.

Kiana Danial:
Well, no, it is not the biggest one for me, for my dad. It's only, it's the only one for myself now. It's still, my stock portfolio is the biggest one. Okay. So is next and Forex of actual limited to probably 5% right now, maybe even three, because much at all anymore. Right. My main ones are stocks, ETFs, and crypto. Right.

Simone Mercer Huggins:
Amazing. And so what would you say for new starters, your book is a good place to start. I'm guessing if for those that want to get into crypto?

Kiana Danial:
Well, yeah, I think the book is an excellent place to start and you can get it on Amazon. If you go on invested with.com, we're giving it for free. Um, I think your audience is Australia. So it's like a $14 shipping fee, I guess. Um, but, um, I think it's a great book. I've had great feedback on it and I take you take your hand step-by-step from where you need to go to where you need to be. Um, so yeah. Okay. Get out, let me know.

Simone Mercer Huggins:
Perfect. And then, I mean, I'm guessing also the book will probably cover this. What would you say is a good amount to start investing with with crypto

Kiana Danial:
Again? So this comes down to your financial planning, money management thing and risk tolerance, risk appetite, willingness, and ability to take risk. Um, I can only speak for myself. I have allocated, let me think. So my allocation is still only 20% of my whole portfolio. Okay. So again, depending on where you are and I mean, that is just because my stock portfolio has been accumulating for so many years, so it's not that like, I'm a beginner. So my software fully has been growing and growing and growing, but crypto, I just started literally in 2018. So it is smaller. I have been putting more money into it, but he has a long way to go to reach my stock portfolio. I'm not going to get rid of my folio. Yeah. But just do your analysis, do your education. And if it's not the right thing for you, if you're still skeptic, then don't do it. Cause you have to, you know, you got to be comfortable with it just because I said so, or you said, so we're just providing this information so that you can form your own opinion about it. Yeah. Happy to help. But if you do the recession, like, you know what, it's not right for me, then I'll do it. Right.

Simone Mercer Huggins:
Yeah, exactly. And I think understanding, and this will probably push a lot of people out understanding that it's not a get rich quick scheme, you know, gonna make a million dollars.

Kiana Danial:
All right. Um, I said that to a lot of my, I mean, it is unfortunate that with crypto, because there some examples of that, some people get in with that expectation and then as soon as they don't get there, they just label it as a scam. So this is yet another investment and I'm sure you're telling your students like about the measures they have to say. And at the timeline that it takes, and this is no different than any other investment you would want to go about it logically just it's going to take time. It's not going to be in two days.

Simone Mercer Huggins:
Yeah. Amazing. Good. Yeah. I really hope that people said to kind of understand that that's a solid basis for which you build real well, not buying into the instant gratification. And it's hard because we're in a world now where you can get everything instantly. Um, uh,

Kiana Danial:
So much advertising around that, about trading and Oh my God. Look at our signals, blah, blah, blah. It's just, Oh my God, are you kidding me to be aware?

Simone Mercer Huggins:
Yeah. It really, yeah. There is. There's so much at this. Especially like myself being a stock trader. Um, yeah. Even then just like in everything there's so much about yeah. You can make all this money tomorrow and it's yeah. I just, I never want to work with those people because it's the wrong focus. Yeah. Yeah. Awesome. Well, I will put the book in the show notes so that people can grab it from that. Thanks so much for coming on and having me, this is fun. Yeah. And chatting. Um, and I look forward to kind of seeing that space grow and knowing I can come to you when I need more information. I'm just holding the moment as well.

Kiana Danial:
Want a hundred percent. Yeah.

Simone Mercer Huggins:
Amazing. Thanks so much. Kiana. Thank you so much. Have a good day.