Today, I have an update on Nic from Episode 78, released in March 2023. A lot can happen in a year, which I wanted to share with you today. When Nic and I spoke in early 2023, Nic was still very new to the whole concept of personal finance and long after we had finished the episode, I wondered how she was getting on. A year after we spoke, an update email arrived in my inbox. She said it's been an interesting 12-plus months, and they are slowly but surely getting ahead. It seems like a case of one step forward and then half a step back, as on occasions in the last year or so, it seemed her luck had deserted her. But even with some upheaval thrown into her life, plus some pretty ill-controlled budgets, she said they are still managing to pay down debt, lower their mortgage, and increase her KiwiSaver balance. I wanted to share her update because many of you listening will relate to her progress.