Financial Education Speakers

Top Financial Education Speakers List for 2026

Linda Grizely

Empowering you to master money, mindset, and life

Financial CoachingWomen EmpowermentFinance
Remote

Deborah Rechnitz

Teaching the concepts of how to earn, save and spend money for children and young adults

Saving MoneyEarly EducationChildren Book
Remote

Sally Gimon

Sally Gimon: Learn The Secret of the Rich; Save US Taxes Legally

Wealth PlanningReal Estate InvestingFinancial Literacy
Remote

Perry Jones

From Bold Visions to Big Returns: Your Success Story Starts Here!

Wealth ManagementFinancial PlanningInvestment Strategies
Remote

Ariel Bowie

Transforming financial knowledge into unstoppable wealth for women

Behavioral FinanceWomens Financial EmpowermentVariable Income Strategies
In-Person & Remote

Al Parker

Empowering your financial future, one smart move at a time.

Financial LiteracyYoung AdultsWealth Building
In-Person & Remote

Bibi Apampa

Retirement Made Simple - Wealth, Wisdom, Health, Success with The Retirement Queen Bibi Apampa

Retirement PlanningFinancial EmpowermentGrowing A Money Tree
In-Person & Remote

Randall Avery

Financial Planner │ Author │ Speaker

Financial PlanningRetirement PlanningPrivate Practice
In-Person & Remote
10 episodes

Jaden Sterling

From Wall Street to Main Street: Empowering Your Financial Journey!

FinanceInvestingFinancial Education
Remote

Sebastián Uzcategui

Entrepreneur | Founder of Stocks University and Speak Up Express | Full-Time Trader | Keynote Speaker on Personal Growth and Finance

MotivationPublic SpeakingSpeech Delivery
In-Person & Remote Flexible

What Makes a Great Financial Education Speaker

Not all financial education speakers are created equal, and the difference between a good one and a great one often lies in the stories they tell. Imagine a speaker who doesn't just rattle off statistics about compound interest but instead walks you through how a single mother in Nairobi used micro-investing apps to build a college fund. That's the kind of narrative that sticks.

Great financial education speakers know how to connect the dots between complex financial concepts and real-world outcomes. They don't assume everyone in the room has a background in economics. Instead, they break things down in a way that makes people say, 'Ah, I get it now.' Think of someone like Ramit Sethi or Tiffany Aliche (The Budgetnista) - they make money talk feel like a conversation with a savvy friend.

But it's not just about clarity. It's about energy. A great speaker brings enthusiasm to the stage, even when the topic is budgeting or debt reduction. They know how to read a room, pivot when needed, and keep people engaged with humor, humility, and honesty.

And finally, they're generous. They don't gatekeep knowledge. They offer actionable steps, free tools, and follow-up resources because their goal isn't to impress... it's to empower. Whether they're speaking to high school students or Fortune 500 execs, great financial education speakers leave their audience better equipped to make smarter money decisions.

How to Select the Best Financial Education Speaker for Your Show

Choosing the right financial education speaker for your show can feel overwhelming, but with a clear process, you can find someone who aligns with your audience and goals.

1. Define Your Audience and Objectives
- Know who you're serving. Are you speaking to entrepreneurs, students, retirees, or corporate teams? A speaker who resonates with Gen Z might not land with a room full of CFOs.
- Clarify your outcome. Do you want your audience to learn budgeting basics, explore investment strategies, or understand financial literacy in underserved communities?

2. Research Speaker Profiles
- Use platforms like Talks.co to browse speaker pages. Look for bios that highlight relevant experience, past talks, and audience feedback.
- Watch past talks. A polished speaker reel can show you their energy, clarity, and how they handle complex topics.

3. Check for Alignment
- Match tone and style. If your show is casual and conversational, avoid overly academic speakers. If it's data-driven, look for someone who brings charts and case studies.
- Diversity matters. Consider speakers from different regions, backgrounds, and financial philosophies to offer fresh perspectives.

4. Ask for References or Reviews
- Reach out to past hosts. Ask what worked, what didn't, and whether the speaker delivered on expectations.
- Look for repeat bookings. If a speaker is invited back by multiple hosts, that's a strong signal they bring value.

5. Test the Fit
- Schedule a pre-interview call. This gives you a chance to assess chemistry, communication style, and how well they understand your audience.

Remember, the best financial education speaker for your show isn't just the most famous one... it's the one who can deliver the most relevant, engaging, and actionable experience for your listeners.

How to Book a Financial Education Speaker

Booking a financial education speaker doesn't have to be complicated. Here's a simple roadmap to help you go from idea to confirmed guest.

1. Start with a Shortlist
- Use platforms like Talks.co to browse and filter speakers by topic, availability, and audience fit.
- Create a shortlist of 3-5 speakers whose profiles align with your show's theme and tone.

2. Reach Out with a Clear Pitch
- Include key details like your show's name, audience size, format (live, recorded, webinar), and why you think they're a great fit.
- Be specific about the topic you'd like them to cover and how it connects with their expertise.

3. Discuss Logistics Early
- Confirm availability, time zones, and preferred recording platforms.
- Ask about speaker fees or honorariums upfront. Some financial education speakers charge, while others are open to collaborations or exposure-based opportunities.

4. Share Prep Materials
- Send over a prep guide with sample questions, audience demographics, and any branding guidelines.
- If you're using a platform like Talks.co, you can manage this all in one place via the speaker's profile page.

5. Confirm and Promote
- Once booked, send a calendar invite and confirm all tech requirements.
- Promote the upcoming episode on your channels and tag the speaker to build buzz.

6. Follow Up Post-Event
- Share the recording, thank them publicly, and ask if they'd like to be featured again.
- Consider leaving a review or testimonial on their Talks.co profile to help others find them.

Booking a financial education speaker is about building a relationship, not just filling a slot. Treat them like a partner in delivering value to your audience.

Common Questions on Financial Education Speakers

What is a financial education speaker

A financial education speaker is someone who specializes in teaching others about money in a live or virtual setting. They're not just educators - they're communicators who translate financial concepts into relatable, understandable language for diverse audiences.

These speakers often come from backgrounds in finance, economics, education, or entrepreneurship. Some are certified financial planners, while others are authors, influencers, or former executives who've turned their knowledge into a mission to educate.

What sets them apart from traditional finance professionals is their focus on accessibility. A financial education speaker isn't there to sell products or manage portfolios. Their goal is to empower people with the knowledge to make smarter financial decisions on their own.

They might speak at schools, corporate events, online summits, or community workshops. Whether they're breaking down the basics of budgeting or diving into advanced investing strategies, their job is to make money talk less intimidating and more actionable.

In short, a financial education speaker is a guide - someone who helps people navigate the often confusing world of personal and business finance with clarity and confidence.

Why is a financial education speaker important

When financial literacy is low, the consequences ripple far beyond individual bank accounts. That's where a financial education speaker steps in - not just to inform, but to transform.

In many regions, financial education isn't part of the standard curriculum. People grow up not knowing how to manage credit, invest wisely, or plan for retirement. A financial education speaker fills that gap by delivering targeted, engaging content that meets people where they are.

For example, in underserved communities, speakers can help demystify banking systems and introduce tools for building generational wealth. In corporate settings, they can reduce employee stress by teaching financial wellness strategies, which in turn boosts productivity and retention.

They also play a key role in combating misinformation. With so much financial advice floating around TikTok, YouTube, and Reddit, it's easy to fall for myths or scams. A credible speaker brings evidence-based insights and real-world examples that cut through the noise.

Ultimately, a financial education speaker is important because they empower people to take control of their financial futures. Whether it's helping a startup founder understand cash flow or guiding a recent grad through student loan repayment, their impact is both immediate and long-lasting.

What do financial education speakers do

Financial education speakers do more than just talk about money - they teach, inspire, and equip people to make smarter financial choices.

Here's a breakdown of what they actually do:

- Design and deliver educational content. They create presentations, workshops, and talks tailored to specific audiences - from high school students to corporate teams.

- Simplify complex topics. Whether it's explaining the difference between ETFs and mutual funds or walking through a debt snowball strategy, they make financial jargon digestible.

- Engage diverse audiences. Good financial education speakers adapt their content for different cultural, economic, and educational backgrounds. A talk for rural entrepreneurs in India will look very different from one for Silicon Valley tech workers.

- Provide actionable tools. They often share worksheets, calculators, or app recommendations to help people apply what they've learned.

- Collaborate with hosts and platforms. Many work with event organizers, podcasts, schools, or platforms like Talks.co to reach wider audiences and tailor their message.

- Stay current. They keep up with financial trends, policy changes, and emerging tools so their advice stays relevant.

In essence, financial education speakers are educators with a mission: to close the knowledge gap and help people build stronger financial foundations, no matter where they start.

How to become a financial education speaker

Ready to step up and share your financial knowledge with the world? Becoming a financial education speaker isn't just about knowing your numbers - it's about knowing how to communicate them in a way that resonates. Here's a step-by-step guide to help you get started:

1. Define Your Niche.
- Are you passionate about budgeting for families, investing for beginners, or financial literacy for teens? Get specific. The more focused your topic, the easier it is to stand out.
- Example: Tiffany Aliche, also known as The Budgetnista, carved out her niche by focusing on financial education for women and underserved communities.

2. Build Your Expertise.
- You don't need a PhD, but credibility matters. Consider certifications like CFP (Certified Financial Planner), or real-world experience like running a financial blog or YouTube channel.
- Tip: Start publishing content on LinkedIn or Medium to demonstrate your expertise.

3. Create Your Speaker Page.
- Use platforms like Talks.co to build a professional speaker profile. Include your bio, topics, testimonials, and a short video of you speaking.
- Pro tip: Keep your intro video under 2 minutes. Make it punchy and clear.

4. Connect with Event Hosts.
- Reach out to schools, nonprofits, corporate wellness programs, and online summits. Talks.co is a great place to connect with hosts looking for speakers.
- Tip: Offer a free session or workshop to get your foot in the door.

5. Practice and Refine.
- Join Toastmasters, host live webinars, or speak at local meetups. The more you speak, the better you get.
- Record your sessions and review them. Look for pacing, clarity, and engagement.

6. Monetize and Scale.
- Once you've got a few gigs under your belt, start charging. Package your talks into courses, books, or coaching programs.
- Example: Ramit Sethi turned his speaking into a full-blown brand with books, courses, and media appearances.

Becoming a financial education speaker is a journey, not a sprint. Start where you are, use what you have, and build as you go.

What do you need to be a financial education speaker

Being a financial education speaker means more than just knowing how to budget or invest. It's about translating financial concepts into stories and strategies that people can actually use. So what do you need to get started?

First, you need subject matter expertise. That doesn't always mean formal education, but it does mean you should be confident in your knowledge. Whether you've worked in finance, run a successful business, or taught personal finance in schools, your experience is your foundation. Many speakers also pursue certifications like AFC (Accredited Financial Counselor) or CFP to boost credibility.

Second, communication skills are crucial. You need to explain complex topics like compound interest, debt management, or retirement planning in a way that's engaging and easy to understand. This is where storytelling comes in. Think about how Dave Ramsey uses personal anecdotes to make financial lessons stick.

Third, you'll need a platform. That's where a speaker page on Talks.co comes in handy. It acts as your digital resume, showcasing your topics, testimonials, and booking info. It also helps you connect with hosts looking for speakers in your niche.

Finally, you need a clear message. What's your core belief about money? What transformation do you help people achieve? Whether it's empowering young adults to avoid student loan debt or helping entrepreneurs manage cash flow, your message should be clear and consistent.

In short, to be a financial education speaker, you need knowledge, communication skills, a platform like Talks.co, and a message that matters. The rest is practice and persistence.

Do financial education speakers get paid

Yes, financial education speakers do get paid - but how much and how often depends on a few key factors. Let's break it down.
First, experience and credibility play a major role. A well-known speaker like Suze Orman can command tens of thousands per appearance, while someone just starting out might speak for free or a few hundred dollars to build their portfolio.
Second, the type of event matters. Corporate workshops, keynote conferences, and government-sponsored programs often have bigger budgets than schools or community events. For example:
- Corporate financial wellness seminar: $2,000 - $10,000
- University guest lecture: $500 - $2,000
- Online summit panel: Free - $1,000
Third, location and format influence pay. Virtual events typically pay less than in-person events, but they're easier to scale. A speaker might do five virtual talks in a week versus one in-person gig.
Here's a quick comparison:

Event TypeTypical Pay Range
Local nonprofit event$0 - $500
Online webinar$250 - $1,500
Corporate keynote$5,000 - $25,000+
Government contract$2,000 - $10,000
So yes, financial education speakers get paid. But like any career, it starts slow and builds with time, reputation, and reach.

How do financial education speakers make money

Financial education speakers have multiple income streams, and the smartest ones don't rely on just one. Here's a breakdown of how they make money:

1. Speaking Fees.
- This is the most obvious one. Speakers charge for keynotes, workshops, webinars, and panels. Rates vary based on experience, audience size, and event type.
- Example: A speaker might charge $5,000 for a corporate keynote but only $500 for a school workshop.

2. Courses and Online Programs.
- Many speakers turn their talks into digital products. Think self-paced courses on budgeting, investing, or credit repair.
- Platforms like Teachable or Kajabi make it easy to scale.

3. Books and eBooks.
- Publishing a book helps build authority and generates passive income. Ramit Sethi's "I Will Teach You to Be Rich" is a classic example.

4. Consulting and Coaching.
- Some speakers offer one-on-one coaching or consulting for individuals, startups, or nonprofits.
- This can be a high-ticket service, especially if you're helping with financial strategy or planning.

5. Affiliate Marketing and Sponsorships.
- If you have a strong online presence, brands will pay you to promote their financial tools or services.
- Example: Promoting budgeting apps or investment platforms through your newsletter or podcast.

6. Hosting Events or Summits.
- Some speakers flip the script and become hosts. Using platforms like Zoom, they organize virtual summits, invite other experts, and monetize through ticket sales or sponsorships.

Diversification is key. The most successful financial education speakers combine several of these strategies to build a sustainable and scalable business.

How much do financial education speakers make

The income of financial education speakers varies widely, depending on their niche, audience, and business model. Let's look at the numbers.
At the entry level, new speakers might earn anywhere from $0 to $1,000 per event. They often speak for free at schools, libraries, or small webinars to build experience and credibility. Once they have a few gigs under their belt, they can start charging more.
Mid-tier speakers with a solid reputation and a clear niche can earn between $2,000 and $10,000 per speaking engagement. These are often professionals who speak at corporate events, financial wellness programs, or industry conferences.
Top-tier speakers, like bestselling authors or media personalities, can command $20,000 to $100,000+ per keynote. Suze Orman, for example, has reportedly charged over $50,000 for a single appearance.
Here's a rough breakdown:

Speaker LevelTypical Fee per EventAnnual Income Estimate*
Beginner$0 - $1,000$5,000 - $20,000
Mid-Level$2,000 - $10,000$50,000 - $150,000
High-Level$20,000 - $100,000+$250,000 - $1M+
*Estimates assume multiple events per year and additional income streams like books or courses.
Keep in mind, many speakers don't rely solely on speaking fees. As mentioned in 'How do financial education speakers make money', they often supplement with coaching, digital products, and affiliate deals. That's where the real scalability comes in.

How much do financial education speakers cost

Hiring a financial education speaker can cost anywhere from a few hundred dollars to tens of thousands, depending on several factors. Here's what influences the price:
1. Experience and Reputation.
- A new speaker might charge $500 for a local workshop.
- A nationally recognized expert could charge $25,000 or more for a keynote.
2. Type of Event.
- Virtual webinars are usually more affordable than in-person keynotes.
- Corporate events tend to have higher budgets than schools or nonprofits.
3. Duration and Customization.
- A 30-minute talk costs less than a full-day workshop.
- Customized content or follow-up materials can increase the fee.
4. Travel and Logistics.
- For in-person events, you'll often cover travel, lodging, and per diem.
Here's a general pricing table:

Event TypeCost Range
School or Library Talk$0 - $1,000
Local Business Workshop$500 - $3,000
Corporate Keynote$5,000 - $25,000+
Virtual Webinar$250 - $5,000
If you're booking through a platform like Talks.co, you can often filter by budget and speaker availability, making it easier to find the right fit without overpaying. Always clarify what's included: slides, Q&A, follow-up resources, etc. That way, you get the most value for your investment.

Who are the best financial education speakers ever

Suze Orman. Known for her no-nonsense advice and bestselling books, Suze has been a household name in personal finance for decades.

Dave Ramsey. Famous for his 'baby steps' method, Ramsey built a media empire around debt-free living and financial peace.

Robert Kiyosaki. Author of 'Rich Dad Poor Dad', Kiyosaki revolutionized how people think about assets, liabilities, and wealth-building.

Tiffany Aliche (The Budgetnista). A former teacher turned financial educator, she's helped millions through her Live Richer Challenge and public policy work.

Ramit Sethi. With a focus on psychology and systems, Ramit's approach to money management is both modern and practical.

Jean Chatzky. Longtime financial editor for NBC's Today Show, she's known for making money topics accessible to everyday audiences.

Farnoosh Torabi. A pioneer in financial education for millennials and women, and host of the popular 'So Money' podcast.

Chris Hogan. Formerly with Ramsey Solutions, Hogan focused on retirement and wealth-building strategies.

Barbara Stanny (Huson). Advocate for women's financial empowerment, especially around earning and investing.

Peter Schiff. A more controversial figure, but known for his economic insights and bold predictions.

Who are the best financial education speakers in the world

Manisha Thakor (USA). A globally recognized expert on women and money, she blends financial literacy with emotional intelligence.

Preet Banerjee (Canada). A former race car driver turned financial educator, Preet brings energy and clarity to complex financial topics.

Ann Wilson (South Africa). Known as 'The Wealth Chef', she teaches financial freedom through online courses and international speaking.

Ken Honda (Japan). Author of 'Happy Money', Honda combines Eastern philosophy with financial wellness, making him a unique voice globally.

Shivani Siroya (India/USA). CEO of Tala, she speaks on financial inclusion and tech-driven solutions for underserved populations.

Effie Zahos (Australia). One of Australia's most trusted financial commentators, known for her work with Money magazine and TV appearances.

Carl Richards (USA). Creator of the 'Sketch Guy' column in The New York Times, he simplifies financial concepts through visuals and storytelling.

Vanessa Stoykov (Australia). A media entrepreneur and speaker focused on changing financial behavior through storytelling.

Bola Sokunbi (USA/Nigeria). Founder of Clever Girl Finance, she's a leading voice in financial education for women of color.

Joe Saul-Sehy (USA). Host of the 'Stacking Benjamins' podcast, he uses humor and storytelling to teach money skills worldwide.

Common myths about financial education speakers

Let's unpack a few persistent misconceptions that often cloud the world of financial education speakers. These myths can hold back both aspiring speakers and the audiences who need them most.

1. They all have finance degrees.
Not true. While some financial education speakers come from traditional finance backgrounds, many do not. Take Ramit Sethi, for example. He studied psychology and technology at Stanford, not finance. What sets him apart is his ability to communicate financial concepts in a relatable, actionable way. The key is clarity, not credentials.

2. They only talk about budgeting and saving.
That's a narrow view. Today's financial education speakers cover everything from crypto investing to generational wealth building to financial trauma recovery. Tiffany Aliche, aka The Budgetnista, blends personal finance with empowerment and policy advocacy. Her work helped pass a financial literacy bill in New Jersey. That's far beyond just budgeting.

3. They're only relevant to adults.
Actually, many speakers focus on youth and teens. In fact, the demand for financial literacy in schools has created a surge in speakers who specialize in Gen Z audiences. Speakers like Yanely Espinal (MissBeHelpful) create content tailored to high schoolers and college students, breaking down complex topics with humor and cultural relevance.

4. They're motivational, not practical.
While some speakers do lean into inspiration, the best financial education speakers offer tangible strategies. For example, Bola Sokunbi of Clever Girl Finance shares specific steps for debt reduction, investing, and entrepreneurship. Her talks are packed with checklists and real-world examples.

5. They all sound the same.
Definitely not. Financial education speakers come from diverse backgrounds: immigrants, single parents, ex-Wall Street pros, educators, and even entertainers. Their delivery styles vary wildly-from TED-style storytelling to interactive workshops to comedy-infused keynotes. The diversity of voices is what makes the field so dynamic.

Case studies of successful financial education speakers

When you think of financial education speakers, you might picture someone in a suit with a PowerPoint. But the most successful ones? They break that mold completely.

Take Tiffany Aliche, known widely as The Budgetnista. She started out as a preschool teacher in New Jersey. After facing her own financial struggles during the 2008 recession, she began teaching women in her community how to budget and save. Her workshops grew fast. Today, she's a New York Times bestselling author, a speaker featured on major stages like Essence Fest, and the force behind a law mandating financial education in New Jersey schools. Her story shows how grassroots impact can scale nationally.

Then there's Robert Kiyosaki. Love him or hate him, his book 'Rich Dad Poor Dad' changed the way millions think about money. But beyond the book, his speaking engagements have helped him build a global brand. He doesn't just talk about saving-he challenges people to think like investors. His events often include simulations, games, and real estate case studies, making complex ideas digestible.

In the digital-first world, Yanely Espinal is another standout. A Brooklyn native and daughter of Dominican immigrants, she turned her YouTube channel into a national platform. Her videos, full of slang, pop culture, and real talk, caught the attention of Next Gen Personal Finance, where she now leads outreach. Her speaking gigs at universities and nonprofits are known for being high-energy and deeply relatable.

And let's not forget Peter Adeney, aka Mr. Money Mustache. He's not a traditional speaker, but his blog and occasional talks have sparked a global movement around early retirement and frugal living. His TEDx talk in Boulder? Packed with people from all walks of life, eager to rethink their relationship with money.

These speakers didn't follow a script. They each found a unique voice, connected with a specific audience, and built trust through authenticity. That's the real blueprint for success in this space.

Future trends for financial education speakers

Financial education speakers are stepping into a new era-one shaped by technology, shifting demographics, and a growing appetite for real-world money skills. If you're eyeing this space, here's what's on the horizon.

First, expect hyper-niche specialization. Instead of generalist talks on 'how to budget,' speakers are zeroing in on specific communities: freelancers, crypto investors, Gen Z creators, or even rural entrepreneurs. This trend is driven by demand for relevance. A 22-year-old TikTok creator doesn't want the same advice as a 45-year-old small business owner.

Second, digital-first delivery is becoming the norm. Virtual summits, webinars, and hybrid events are here to stay. Platforms like Zoom and Hopin have made it easier than ever for speakers to reach global audiences. But it's not just about showing up online-it's about optimizing for engagement. Think polls, breakout rooms, and real-time Q&A.

Third, financial education is becoming more inclusive. Speakers are addressing systemic barriers-like racial wealth gaps, student loan inequities, and access to banking. This shift is opening doors for speakers from underrepresented backgrounds who bring lived experience to the table.

Here are a few key trends to watch:
- AI-powered personalization: Tools like ChatGPT are helping speakers create tailored content for different audiences.
- Gamification of finance: Expect more speakers to use interactive tools and simulations to teach money skills.
- Corporate wellness integration: Companies are hiring financial education speakers as part of employee well-being programs.
- Global expansion: Speakers are increasingly being booked across borders, especially in emerging markets where financial literacy is on the rise.

Bottom line: the future belongs to speakers who are agile, authentic, and audience-aware. If you can meet people where they are-digitally, culturally, and financially-you'll stay ahead of the curve.

Tools and resources for aspiring financial education speakers

If you're looking to break into the world of financial education speaking, you don't need to reinvent the wheel. There are powerful tools and platforms out there to help you build authority, land gigs, and deliver killer presentations. Here's a curated list to get you started:

1. Talks.co. This is a podcast guest matching tool that helps you get booked on relevant shows. Great for building your speaker reel and getting your message out to niche audiences.

2. SpeakerHub. A platform where you can create a speaker profile, list your topics, and connect with event organizers. It's especially useful for newer speakers looking to build visibility.

3. Canva. For creating stunning slide decks, social media promos, and one-pagers. Use their templates to keep your branding consistent across all materials.

4. Calendly. Make it easy for event planners to book discovery calls with you. Syncs with your calendar and eliminates the back-and-forth.

5. Notion. Organize your speaking topics, client outreach, testimonials, and scripts in one place. It's like your personal speaker HQ.

6. Zoom or StreamYard. If you're doing virtual talks, these platforms are essential. StreamYard is especially good for live streaming to multiple platforms at once.

7. Slidebean. If you want help designing pitch decks or speaker proposals, Slidebean uses AI to create clean, professional presentations.

8. LinkedIn. Not just for networking-use it to publish thought leadership posts, share clips from your talks, and connect with event organizers. Join groups related to financial literacy and speaking.

Pro tip: Combine these tools into a simple workflow. For example, use Talks.co to land podcast interviews, record them on Zoom, edit clips in Canva, and share them on LinkedIn to attract more speaking invites. That's how you build momentum.
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