it's my pleasure to welcome you to a virtual evening with tanya hester and jeanette ruiz to discuss wallet activism use every dollar you spend earn and save as a force of change published by our friends at ben bella books. tanya hester is the author of wallet activism and work optional retire early the non-penny pinching way after spending most of her career as a consultant to democratic politics and progressive issue campaigns, and before that as a public radio journalist tanya retired early at the age of 38. she is also been an outspoken voice in the personal finance media community to consider systemic barriers and opportunity gaps rather than simply pushing people with lots of advantages already to accumulate more wealth part. why the new york times called her the major of the woman's fire movement? it's moderate tonight's conversation. we are also joined by jeanette ruiz who is a multi-passionate miami native in her current role as program director for the miami climate alliance. she works with the community and member organizations towards people-centered solutions for our climate cr