Ep 030 - Unlocking Homeowner AI: Your Financial Ally

Welcome to Be a Smarter Homeowner Podcast, where you'll discover strategies to save money, save time, and be better organized in managing your largest financial asset and biggest expense, your home. Your hosts, John Bodrozic and Beth Dodson, who are co-founders of HomeZada, have been supporting homeowners for over 20 years. They are here to share with you their tips and suggestions, as well as interviews with industry experts. With the goal of helping you become a smarter homeowner. Now here's your hosts, John and Beth.

Hi everyone. Welcome to Be a Smarter Homeowner Podcast. I'm Beth Dodson, one of your hosts, and with me is John Badruzik, our other host for this show.

Today—

Hello, hello.

We are going to talk about Homeowner AI again. We told you that Homeowner AI within our platform, HomeZada, is really going to enhance the ability for you to be the smartest homeowner possible. So we're going to talk about today. And today, if I recall correctly, John, specifically we're talking about Homeowner AI as it relates to your overall finances of the house.

That is correct. Yes, it's the whole adage of everybody tells you your home's your largest financial asset and biggest expense. And when I ask our customers, where's all the data about this? The answer is it's scattered everywhere and I don't really have a good picture over tracking my asset value and my equity and all my expenses and all that kind of stuff. So can we essentially give guidance to users about why is it so important to kind of bring all these things together and give people better visibility in what I call financial visibility into understanding Home value, mortgage balance, equity.

Big deal.

All those kinds of things. It's a huge aspect because at the end of the day, my other analogy here is a lot of people who manage their finances, stocks and bonds and investments and cash and credit card, they're all tangible and they're primarily what I call almost 100% financially oriented.

Right.

It's like, okay, you look at your investment portfolio, you hope it's going up, right? And, and whatever sort of income it might be producing. But the house is both an asset, but there's also the lifestyle and emotional component to it.

Yeah.

Right? You live in your house, it carries emotions with it. So therefore, the lifestyle and emotion sort of oftentimes takes to— tends to take over, and we forget about the financial aspects of the house. And that's kind of why I think we're trying to kind of provide better financial visibility for our customers and any homeowner about the financial aspects of the house.

Yeah, we talked about the home being an asset class. Real estate is an asset class that is used to create generational wealth and just wealth in general. So that's one thing. But one thing that you talked about briefly is The expenses. So for those of you who are on the phone or can watch us or listen to us, excuse me. We also per the consumer expenditures reports by the U.S. government, our homes are our largest expense. We spend approximately 31 to 33 annually on our homes, and that's everything from mortgages, taxes, any kind of maintenance expenses, any kind of projects expenses. Any new furnishings we want to put in them because maybe we're new to homeownership. That's a lot of money to be spending on our homes each year. It's a third of our income that we may not be able to use for something else. And one of the things that we want to do is with HomeZada is try to make sure that that visibility is as accurate as it can be so that you can make the best decisions for. your lifestyle, but also your ongoing assets that you have and how do you manage them. And yeah, I'm a firm believer there is an emotional tie, Jon, with the homes. I personally think my home is almost like an extension of my family because—

Right.

It's part of that protection of my family. That's just how I see the home. But at the same time, I'm also one to say that it is a house. And I can let it go if I need be. And, but it is one of those areas where it's an asset class and a huge expense that financial visibility is critical to making the best decisions we can overall for any other financial aspect of our life.

Correct. And you sort of hit the nail on the head in that the term home finances and home finance AI is such a broad term, but as it applies to the home, we're really trying to look at sort of 2 categories. One is the asset side of the house. which tends to be the, what did you buy the house for? What is its current value? How much of a mortgage did you take on? What's the current balance on the mortgage? And probably the most important thing to your overall net worth is how much is your equity, which is essentially your current market value minus your loan balance. That's the percentage that you own versus how much the bank or mortgage company owns because they still Or you still have a mortgage. So that's one bucket of finances. And then the other bucket of finances is those ongoing expenses. And that's everything from the mortgage payment itself to the home insurance costs, to the property taxes, to the utility bills, to if you're hiring people to service your pool or do your landscaping.

Right.

As well as all those maintenance and repair one-offs, as well as any sort of future investments on projects. And projects is another dynamic because it's not only an expense, but it could add value back to your house, which is kind of a teaser over one of the AI things that I'm gonna show here at the end of our discussion.

Yeah, no, that's fantastic. And I think, I don't think we can stress it enough that our homes, and they're expensive, aspects of their expenses can actually affect the overall lifestyle that you choose. Because if you have a home that costs so much money in terms of expenses, then you may struggle with being able to do other things in life. Even, I mean, something as, as take a vacation, because you may need to use it to pay for new HVAC equipment. Don't get me wrong, staycations are awesome. awesome. But if the family had expected a vacation somewhere else and that's now prohibited from doing it, it's really important to get in front of all of that information so you can prepare properly. So let's talk about homeowner AI as it relates to finances.

One quick pause. What I wanted to do before we jump into the AI bit, which is talk about what I call It's the ongoing need to stay on top of it. Meaning—

Yeah.

A lot of times people will, they're like, oh, I'm gonna buy a house. And as it relates to buying the house, you're thinking finances, 'cause it's like, how am I gonna get the mortgage? What's the mortgage rate, the payment, blah, blah, blah. And then they move in and then they sort of tend to stop thinking about finances because it's off to that lifestyle emotional sort of thing. But why is it so important, right, to stay on top of it? The value of your home is going up and down based on local market conditions and macro climates. So if you lived— if you bought your house 5 years ago or 2 years ago or even 2 months ago, your local market conditions are constantly changing based on, A, your neighborhood, the state you live in, as well as the overall macro economy kind of mentality.

Correct.

So staying on top of what is the estimated value of your home is a huge aspect over why it's important to track that as it relates to your overall finances. Another thing that's always changing, right, is if you are paying your, your mortgage on a monthly basis, you're reducing your mortgage balance every month.

Correct.

And because the market is changing its value and your mortgage balance is going down every month, in theory, you're getting more equity Right. And so those are the things that become very important to sort of constantly track those things, as well as even on the expense side. When you bought your house, maybe your house was 10 years old when you bought it. 2 or 3 years later, it's 15 years old. Well, your maintenance costs may be going up because there's just more things that need to get fixed. So it's, it's a commitment, I think, to constantly stay on top of the asset side as well as the expense side. That's going to make you a better informed homeowner over how can you not get over your skis and, and spend too much money on your house, and how can you save money on managing your house and assess the asset value as it relates to your overall net worth kind of mentality.

Yeah, I do agree that, um, if you can stay on top of a lot of this information as it relates to finances, you're more informed, you're more aware And your decision-making ability is enhanced on how you want to spend your finances because you are already prepared. So to your point, if you bought a house that is a little bit older and it's 15 years old or 25 years old and it's never had a roof replacement or an HVAC replacement or some hot water heater or something, mechanical that you need to replace, and I'm not talking, excuse me, changing things personally, I'm talking about the function of the house, then you may be in a position where that is the first set of projects you need to invest in in order for the home to operate properly. And you will need to set aside some capital and either take from savings or take a short-term loan or something to that effect in order to replace that HVAC, that roof, Or that hot water heater, or sometimes all the above in one year. And then the following year, you can be safe to know that all of that's been repaired and you have some more flexibility and more freedom. And maybe that's the one year, going back to that example of not taking— doing a staycation instead of doing an away vacation, that maybe when you replace all that equipment, maybe that's the year you do a staycation. And you prepare for it. So you're setting expectations not only for yourself and your finances, but also for your family. And that could actually be very helpful and reduce a lot of stress as well. And also, I'm a firm believer in preparing because when things break, a lot of people fix things, and that's sometimes the worst time to repair things. And a perfect example is We live in California where it gets really hot in the summer. You do not want HVAC equipment breaking in the summer when you're gonna get charged probably double the price to replace it because it's in the middle of the time when you need it.

Right.

2, you're literally excruciatingly hot for a period of time. in order to get it replaced. And 3, you might be in a long line of other people who did the same thing, and you might not be able to get your HVAC equipment for months. And that's just— there's nothing positive about that. And if you have any family members working from home, living at home, doing whatever, all of a sudden nobody's happy with each other.

Yep.

And it leads to one thing after another, not just finances, but emotions and everything else. And so, To your point, I'm a firm believer visibility and awareness is half the criteria of understanding exactly how much our homes cost, how much we need to take care of them and love them. And then 2, how we can actually understand their long-term value because we are caring for them.

You hit the nail on the head, and it goes back to the home equity loan process that you kind of touched on that, right? Which is how much of a home equity loan can you get based on your current equity? Because you do need to replace your HVAC or your roof or something else. So again, it's a— and your home equity is always changing, so you need to stay on top of that. Another use case over why you want to stay on top of that, which is Add it to the mix over, should we sell this house and get a different house, or should we stay in this house? Because you could sort of understand how much equity you have. Is the market growing where you are? Maybe you want to stay in the house and, you know, you're okay with investing, you know, $5,000, $10,000 in the next 3 to 5 years to kind of keep it up to date kind of mentality. Or you might be in a different situation where your house is 25, 30 years old and you're like, ah, I might be facing some $30,000, $50,000 bills. Maybe now is the time based on we've lived in this house 5 years. What did we buy it for? What could we sell it for today if we got the current market value? We're going to have a whole other episode about how to price your house and selling and that whole dynamic. But let's just sort of assume that you could sell your house for what all these automated tools are telling your home is worth. Then you sort of incorporate that into The decision-making over to sell or stay, again, it's one of those things. It's not just the value of your home, it's lifestyle, it's choice, it's where you want to live, family, career, job, etc. But the financial aspect should be a huge component over understanding, um, those, those kinds of personal decisions.

Correct. Yeah, agreed 100%.

All right, let me do a quick Screen share.

So for those on the audio, we are going to be showing a bit of a video and demo, so you can always come back during this timestamp.

Okay, uh, Elizabeth, can you see the screen?

Yeah, and look, we were just talking about, on a side note, property values, and there was a blog post that we committed to on the 6 factors to consider when keeping the value of property high.

Yes, and so—

Side note.

Yeah, actually perfect side note, 'cause this is, for audio listeners, we're on the finances dashboard inside of Homes Auto. And right up front, it basically tells you, hey, the current estimated value of your home is $516,000 and your remaining principal on your loan is $288,000.

Woo-hoo!

And it's even showed you on the scorecard down there, That it's calculated, 'cause you can either do this yourself or Homesada will try to do this at initial signup, your mortgage payment of $2,360 a month kind of mentality and how much of it is going to principal versus interest. And like Beth said, we even do lots of other content that even gives you more education.

Yeah.

So if you haven't figured this out, we're huge on financial visibility, but also educating a lot of people on sort of these financial terms. Because it's very new for a lot of new first-time homeowners.

And furthermore, just on the side note on all of that, which is good, there's not one house that is actually the same than any other. Different people live in it, different financial implications happen, different locations, different furnishings, different details, different ways of using the home. So keep in mind, when we're sharing a lot of this information, your experience may be unique to you. And so just keep that in mind. And for those people who see, oh my gosh, a monthly mortgage is $2,360, that some people may think that's ridiculously high, some people may think that's, you know, too low. I mean, whatever the case may be, this is a sample and everyone's different.

Yes, and, and that's actually a, a good segue that I forgot to sort of mention is For those customers who do decide to sign up for HomesADA, when you sign up and you enter in your address, that's what makes all of this data unique and specific to your home.

Yes.

That's, that's the key, because every address is different. Your location's different, your value's different, the square footage is different, the age is different. And so entering in your address allows the tool to basically get all this information for you And more importantly, going back to what I said before, update it automatically for you so that you don't even have to go out and do these updates yourself. It's automatically going to get pushed to you, which is part of that trying to always be proactive with all of our customers, informing them of the financial changes that are going on on their house, if that makes sense.

Yes.

So I'm just going to highlight property values here. If I go on property values, Like anything, these estimated values are basically taking current market conditions over all of the homes that are near your home that are comparable to your home in size. And there's a lot of sort of number crunching that's going on behind the scenes. And then essentially this first chart here for our audio users is showing you, yes, your house might be worth $512,000 But it also gives you a high and low range because it's doing the best job it can. We're definitely not an appraisal company where you actually have a human come out and give you a detailed appraisal. This is trying to use all of the current data around your home and all of the homes around you to try to come up with the best estimated value of your home, as well as giving you those particular ranges.

And on a side note, I'm going to slip in here a little bit. Remember, any thing, properties, items, et cetera, the value is what someone's willing to pay for it. So remember, a lot of people will do appraisals even of fine collectibles or whatever, things like that as well. But ultimately it's about what people are willing to pay for it. So just keep that into consideration.

Also, one of the key things I'll show you here is when you sign up, it's going to try to identify what your original purchase price is on the house, which is again, one of those financial metrics that you need to keep track of because tax basis. And if you were ever to sell your house, was— or is there any capital gains? Might you have to pay tax on that? That's an important data point to know, and that's automatically all done for you in the background. Also, I'm going to jump to this tab here in the middle called Property Tax, right? So it actually knows what county you're in because it also assesses your property tax value, which could be really low because every state has different property tax ways of doing that, different than your market value. Huge to keep track of that. I personally also like this tab here called the Forecast Values, which is, again, this is behind-the-scenes AI. It's not generative AI. It's behind the scenes of sort of crunching all these numbers of basically saying, if I was to stay in my home for the next 3 years, what would my home be approximately worth 3 years from now? So again, this is a lot of what I call macro AI of trying to forecast the current economy that we're in, trying to forecast the future economy on a macro level, as well as your particular zip code and home. But this is just, again, good, a good extra data point to absorb in your overall sort of analysis over when you think about your home as that financial asset. Um, I wanted to jump to— and then one more tab I wanted to show you was the estimated equity. Again, this is where at signup Homesauta did its best to calculate your original mortgage What was your original mortgage? What is your current remaining balance, which is $288,000? Therefore, the difference shows you your kind of equity. Now, to show you one of the things that I personally like here is this Project Values tab, which goes back to what we've talked about before. When you think about doing certain projects, and this, this could be different use case scenarios, you bought a home that's a complete fixer-upper. Or you've— you're currently in a home that's, you know, 15 years old and you're thinking about how do I invest in additional things because I want to stay in my home. So you can see here, for audio listeners, I've got essentially the current value of my home, which is what the estimated tools are telling you at $516,000. But now I have 5 different projects. Maybe I need to replace my hot water heater, upgrade my HVAC, do a kitchen remodel, put a new roof on, or put some solar on. And they're all kind of status of wishlist, which means In previous, um, uh, episodes, we've talked about tracking all your different projects. Now I'm combining those projects with your home value.

Okay.

And the generative AI comes in here where I can click that Zada AI values. And now you haven't chosen to do any of these projects, but there's a lot of statistics out there that says based on how much you spend on that project, you might not get a 100% ROI on it. Because part of it has to do with the cost that you actually pay for it or the marketability of you competing with other homes. But the AI is basically giving you a high level of like, hey, if you spent what your original budget is, how much might that increase the value of your actual home? And it did that for all of your wishlist projects, all with one click. From here, the user can hit Save Values. And now I go back to the slide. Now I can come in here and now you can see the chart on the left shows you the estimated increase in value and the chart on the right shows you your current home value. Now you can go in and say, okay, if I do that kitchen remodel, then it's going to increase the value and my, my value is going to be $545,000. If I put on that new roof, maybe it's going to be even higher. It's going to be $562,000. And I really need to upgrade my HVAC. These are the ones, most important parts. So essentially you're combining here what the macro view is of the estimated value of your home, but a lot of those algorithms don't know what projects you've either A, done, or which projects you're considering doing. So it's really kind of triangulating both the estimated values with the different project choices that you have as it relates to making additional investments in your home.

Yeah, this just— and this also shows you briefly that these mechanical-type projects do— are valuable, whereas a lot of people will think, no, I want to do the personalized projects like the kitchen remodels and the bathroom remodels. The actual mechanical projects absolutely are important to the running of your property, your house. But also do provide value to the new homeowner because they don't have to deal with that if you've already done that.

Again, Elizabeth, you keep hitting the nail on the head because why buyers are going to hire a home inspector and they're going to come in and inspect your home. And if they're like, oh, your HVAC has like you know six months left, or you need a new roof, that's going to be that's going to impact your selling proposition, and that's going to be sort of things that you have to consider, which is why. Those types of projects tend to have a higher ROI and impact on your home value.

Yeah. And just another note, because we keep talking about all this data, just so that everybody is aware, we are not tax accountants, we are not real estate agents, nor— so we're none of these things. So when you use this information, it's a guide, but you still need to consult some of the experts. And then furthermore, for those people who are on Listening, oftentimes a lot of people will think, how did they get all this information? A lot of this information is public data. So I'm just forewarning you of some of that. A lot of this information is public data that we pull into the Homes Auto platform, especially on the finances, to help better understand and personalize the information about your specific home.

Yes, correct. And that's you know I should probably say that every time we talk about AI, which is we always try to do our best to. Do a couple of things. One is show people and make it much more quicker and simpler to get access to this data with one click of the button. But the downstream thing is, which is what you said, which is it's a guide to inform you. You should always double-check with your own sources, with your own experts, but it basically puts you in a better position to have a more intelligent conversation.

Yes.

Because you've been using these AI tools To self-educate yourself nights and weekends and during the week so that when you do have a discussion with experts, you are basically already armed with some information. They're going to say, no, no, you might have got that wrong.

Right.

Or hadn't considered that. And it just makes it for a much better, smarter discussion with your real estate agent, your mortgage loan officer, all these people, when you have this level of information and knowledge at your fingertips.

Yeah, and always remember when you are talking to all these different, um, service providers that you work with from a financial perspective, remember to give them the information. Oftentimes when you've done some of these projects, let's say you've done a new HVAC or hot water heater or a new roof or what have you, a lot of times people will just forget they did it and they will forget to tell someone that they did that. And there's Impact to your tax basis when you are when you are doing projects right before you sell. You do need to consult with your accountant. But the other thing is, there's a lot of people that forget to tell their real estate agent that they added a hot water heater or they made a modification or they put a Moen low flow meter on their home. All these things are extremely valuable. You may think that they're minuscule or minor, but they add value to the home. For the new homeowner, and they could be a unique selling point for the home. So remember all of these details and make sure you include them when you're discussing it with your providers.

Elizabeth, you provided a great segue to the one last AI interaction that I wanted to share. You probably didn't even know it, but you did it because that's what I was—it's just—I don't know—some sort of kismet there. But anyway. We got time for one more. In the upper right-hand corner for our audio listeners is a section called Actions and Discovery. The very first AI action there, it says Get Home Investment Analysis.

Mm-hmm.

All the user has to do is click on that information. This is now a different kind of AI. It's the— what we've been talking about, generative AI, where essentially what it's done is the AI action has automatically been programmed To consolidate all of your financial information, all those different financial metrics, as well as do calculations for you all in a single sort of table. And I did this for our audio listeners in less than 10 seconds, and it's essentially created a table where it, it goes through all the major investment metrics. I bought my house for $310,000. If I sold it for $573,000, What would be my ROI? 84%. My annual— annualized ROI, because I bought the house in 2014, which is 9 years ago. What's the tax basis on my house? What's my estimated closing cost? What would be my capital gain, my net profit, my current mortgage balance, my home equity? All of that information in less than 10 seconds gives you a very complete financial picture on the asset side of your home. Which is absolutely amazing. Yeah, and when people—

I hear people all the time saying homeownership is dead. I look at that return on investment, this person got lucky, lucky winner winner chicken dinner.

Yeah, because again, the home is not just— it's a financial investment, we've talked about that as well. It's the— it's a lifestyle, it's, you know, neighborhoods, it's peace of mind, it's quiet, it's whatever you want. You want to live in an urban area because you want to be close to things. All of those things are important. But looking at your home from a financial asset perspective, um, also is a great thing. And this kind of goes into my example here is, you know, I've been a homeowner for going on, I guess, 25, maybe 30 years. I know how to calculate all these numbers.

Mm-hmm.

But the time to me, the time for me to go find all these numbers— oh, what did I buy that house for? Because I've been living in that 9 years ago. What's the current value? Where I need to go find that. What's my current mortgage balance? I need to go find that. I need to pull out a spreadsheet. I need to calculate all that. Even an experienced homeowner who knows how to do all these things, it's going to take them a half hour to an hour to kind of go out and consolidate all that information. Here, I just did it in 10 seconds and the AI tool did it for me.

Yes. And yes, like, I, like, I'm just mind-blown. Like, this is all the information. I've actually been talking to a lot of my own personal service providers, accountants, and everything else on all these details because, you know, you want to understand what your taxes would be for capital gains and this and that. And, and this just calculates everything right away and there's no guesswork. You know, I mean, don't get me wrong, this may not be 100% accurate, but it literally is helping you perform the calculations.

Correct, right? And, and if you're— for people who are used to sort of snipping, I could take, you know, my little snipping tool on my device here, copy and paste that into, into an email or Word document and send that off to my accountant and/or my real estate agent and say, hey, this is what I'm thinking of.

Yeah.

And you're using that as the starting point to having an intelligent discussion again so that they're validating that the AI is calculating things correctly or that they agree that the market value might be slightly higher or lower. All those things just again arms you with a much better, smarter, intelligent discussion with the people that you might need to help you get a home equity loan or sell your house or get insurance or whatever the case may be. And it makes it shorter and much more valuable because everybody's working off the same sheet of information.

It also— I mean, I look at this because we were talking about the very beginning, this particular house I believe is in Nashville, and there Mortgage rate was $2,360 a month. And we said, whether you think it's high, low, whatever, just ignore that for a second. But in some areas of this country, $2,360 is a low rental payment. And I just looked at this data point and said there was an 84.79% return on investment in just a short period of time that this person bought this house, I would rather be paying on a mortgage than I would on a rental that I could actually have a return on investment. That's just me personally.

Yeah, no, but what you're alluding to, Elizabeth, is the perfect example is that most consumers, again, it's like 60 days after you move into your new house, you forget about all these financial details.

Yes.

And with Homeowner AI, you can just click these once a month, once a quarter, once a year, and it's done for you. And now you're in a much better point of thinking about all these different financial dials. It's kind of like that old stereo system where you could set the bass and the treble and the volume.

Yes.

It's like all these different settings. Mm-hmm.

And what do all these different settings mean to you and your financial situation? It's so important to have a system to be able to track this, stay on top of it, and then being able to give you current analysis as well as potentially future analysis.

Yeah, 100% agreed. I mean, this just just being the best informed homeowner about your personal situation helps you in any situation at all. I mean, I just think that. This is really important, and it's so apropos that we were just talking about this kind of stuff with various people in the last like couple of days. And I'm like, yeah, this is really important to have a more complete understanding. It's not. I don't think it's complete. You still got to talk to your your providers that know the tax laws and know this and know that. But It helps you make better decisions. You know, I, I see people, and we, we've seen it during, uh, the last several years and stuff, people are just moving and they're doing this and they're doing that. And I think a lot of people are making rash decisions sometimes, whereas some people probably aren't making decisions fast enough. There's, there's all that going on. So how can you make informed decisions? This allows you to do that.

Couldn't agree more. Yeah, because it's like the analogy is, let's just say there's 10 financial metrics of your house. There's more, but if you only are keeping track of 3 of them and you're making a decision, a rushed decision based on those 3, you may not be— you may be missing out on value, spending more than you need to, whatever, all these sort of dynamics that could be hurting your financial picture because you didn't have the other 7 metrics at your fingertips.

Yeah. 100%. Yep. Yeah, that's— this is amazing. This just keeps getting better and better, and I'm glad we have a tool like HomeZada to help people do this. Um, and, uh, even if you don't use HomeZada, just gathering this data is important to making really good decisions about your overall finances. Your home, as we discussed earlier in this episode, is 31% to 31% of your annual income. So it's up to you to make the best decisions for your lifestyle and to go from there. And I'm hoping that you're not spending 31% to 33% annually on your home and it's reduced.

Yep.

Mine might not be that high. I don't think mine's that high, but I think it's taken time to get it lower. And yeah, I just want as many people as informed about what they can do to make the best decisions. And if they don't have the information, they can't do that.

Yeah. And again, going back to one of our earlier episodes, there's so many different types of homeowners, first-time homeowners, people are on their second or third home, all these, all these, you know, home investors, people that are buying for fix and flips. All the— all this applies to every one of them.

Absolutely, yeah.

But at the end of the day, it's kind of like I look at it in 2 buckets. You're either an experienced homeowner, and Homeowner AI makes you even more experienced and in a quicker basis.

Yep.

With less time and effort.

Yes.

And then there's the not experienced at all. Your learning curve gets ramped up on a much, you know, shorter time period because the AI tool is just single clicks and you're getting all this information. Having the dialogue, it's as you can tell, I'm really excited about homeowner AI because our mission in life is just to again empower people to be the namesake of our podcast: be a smarter homeowner. That's correct.

You know, and with that said, is there anything else you have to say?

I'm sure I do, but not for today. Save it for a different episode. I've got other exciting things to share.

Okay, perfect. So for all of you who are listening or watching us, thank you again for joining us. We hope. This information has helped you become a smarter homeowner. We will see you in another episode. If you felt this information was valuable, please share it with whomever you think needs to hear it. We appreciate if you like it and follow us and stay with us. And we look forward to seeing you in another episode of Be a Smarter Homeowner podcast. Thank you so much and have a wonderful day.

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