This Nurse Educator is Financially Independent Through Real Estate - Episode 38 (Classic Episode)
Dr. Margarita David is a wife and mom of 3 who was born in the Dominican Republic and immigrated to the United States at the age of 6. As a bilingual Clinical Professor, her driving force is helping aspiring nurses, nursing students, and novice nurses thrive. She understands the importance of knowing the pathophysiology of disease processes and pharmacology when caring for patients. As a result, her teaching style has received rave reviews from hundreds of students as she makes hard to understand concepts easy to comprehend. Now that she has finished her doctoral studies, she wants to provide others that are thinking of entering or are currently in a nursing program, with the knowledge and skills needed to succeed. On top of all these accolades, Dr. David and her husband of 19 plus years were able to amass a real estate portfolio giving them the option to never have to work again.
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TRANSCRIPT:
[00:00:00] Naseema McElroy: All
right. Nurses on fire. I am so honored to have Dr. Margarita from drregisterednurse. com joining us today. Hey, Margarita. Hi, everyone.
[00:00:17] Dr. Margarita David: I'm glad to be here.
[00:00:19] Naseema McElroy: Super honored to have you. So we'll just jump into your story of becoming a nurse.
[00:00:27] Dr. Margarita David: Well, it wasn't an easy one. I started in business. I got a, I have a business degree from New York and I did that for five years and I thought that that's what I was going to like to do.
Although it helped me with finance and management of time and all that. I found it extremely boring. So Around year three into the five year mark. I started looking at other things and that's when They started coming up with Second degree programs for those people that have a first degree in something else and I always had a fascination with medicine So I started looking and looking at the time I was you know already started my family and I said, you know what I loved nursing So I started looking into those programs and then I landed into an 11 month BSN, which was up to this day, gives me panic attacks.
Every time I think about it, I even teach at the institution I graduated from in Philadelphia. And every time I go there, it's the same smell, the same escalator, like it puts me back. So that's how I got into it. And once I finished it in the hardest year of my life, so everything was a whole job, I couldn't work or anything.
That's actually a requirement. And once I did my boards, I started working in the O. R. From all set. I always say never specialize and I specialized girl that last three months. I couldn't even I couldn't stand it.
[00:02:01] Naseema McElroy: I couldn't what the O. R. That's like my favorite place.
[00:02:06] Dr. Margarita David: Oh my God. I was always freezing. I felt like I was just getting things for people.
I was like, what is this? Am I amazed? It was no, I, I could not versus I, and I went into med search right after that. Oh, and I've been doing that ever since. But I've gone into transplant nursing, school nursing, I've all over the place, but I never left the bedside. I always tell my students and friends.
You need to keep the bedside that's how you're gonna get a little bit of credibility because it's something to be book smart But if you can't really explain how things actually work if you're not in the trenches How are you going to really be credible? So that's a big model for me And so that's where i'm at
[00:02:54] Naseema McElroy: That is really, really funny that you landed in the O.
R. A. U. S. Oh, no, this is not the place for me and went back to med surge. I went straight into labor and delivery. Well, I went straight into postpartum and then a year after went into labor and delivery, and I could never see myself working with sick people because I'm like, I don't want to be sick, but I love what I do.
So, I think everybody's journey into nursing is so interesting to me because all our paths are so different. But I think that's the beauty of nursing is that there are so many different options for people who want, who are interested in different things, even from, even if you don't want to do bedside to be in administration, to use that business background.
I was started in healthcare administration and hated it. So I'm just like, whatever, I couldn't do that. But now you're a doctor, so you got your advanced practices, super duper advanced practice degree in nursing. Tell me why you chose to do that.
[00:03:58] Dr. Margarita David: So I, once I got my bachelor's. And I, I started doing my search and, and all that.
I was like, okay, one thing I do not like is to be pressured into doing things. So the way that things were going, okay, they wanted more and more and more from us. And I know that they started with those that didn't have a bachelor's, I already had that. But I say, wait, if this is going to continue, I'm going to definitely.
Continue on myself because I want to do it on my own pace. So that's when I went into the master's program. I started as a nurse practitioner as a family, then I changed to adult. And then I said, you know what? I don't want to deal with that. I want to go home and, and not have to think about it. Somebody going to call me, did I prescribe the wrong thing?
And I'm going to get sued. I said, no, no, no, no. So I went into. Nursing education. And then I finished that in 2016 and I started teaching clinical. I thought that was going to be the end of it. And then, around a year in school has been such a part of my life that I said, you know what, why don't I just finish it?
And that's when I enrolled in the same school. I did my master's and got my doctorate, which I defended in December and I graduated in January. And I know that I put a video on the channel. about it. So it was a really emotional day. It was a really good thing to get because I always tell my students this experience will give you the credibility as well as your credentials.
The more you invest in your education, the better it will result and gains will come from that. And I know that a lot of nurses out there are getting into nursing for the wrong reasons. They're looking at the monetary gains. Okay. I'm like, Oh my God, I'm always going to have a job, but I'm definitely going to be making money.
But that's not what it is about because patients can sense that, there's something about loving the field and then loving what comes with it. And then loving the field. I don't know if I make sense with that. So, I, I strive to always say that to my students. I even did a video yesterday about the whole specialty thing and how you should make sure that you're.
Expanding your education because that's what's going to really get you places and open all the doors. Now I have, I feel like I'm limitless, but then I have to think, okay, what am I going to do with this? So I think it's given me more work because I'm telling you with this channel this page this other thing my job I feel like I'm working more than I ever have been And on the side Then you know, we have our family we also have our side hustles which you should always have especially for retirement and I'm using a lot of that business degree that I got In that and thank God, my husband also, he's an engineer, but he's very focused in that too.
So together with really have a good baseline for our retirement. That's for sure.
[00:06:50] Naseema McElroy: Well, that's that's awesome. And I love the way that you talked about investing in ourselves, just like investing in education. I feel like what nurses don't. Do like we have to do, our CEs to make sure that we maintain our license, but we don't really heavily invest in ourselves and invest in our just overall development because it's so easy for us to get comfortable, but in a lot of times in us getting comfortable and because this is a finance podcast, Our finances fall off.
Everything falls off because we just. We just go with the flow and we don't grow. And then we get to a point where it's like too late. It's too late. You feel stuck in your position. You feel broke. You feel totally burnt out. That's where the burnt out, the burnout comes in. So I want to know what are some things that outside of your education that you've invested in to make sure that you grow just as an individual?
[00:07:57] Dr. Margarita David: So yeah, we have our jobs, we are nurses, we teach, we do all this stuff, but sometimes that is something that can be dispensable. With the way economy is going my God, the TV is off because every time I look at it, the stock market's worse. And yes, we'll regroup and we'll get back.
Of course it will, but it's going to take even longer, longer every time it backs up. So you can't. We always had the mentality and I always had the mentality that you cannot depend on a job when you depend on a job It's like you're in the hands of someone else and you're not in control of your own future your own present So I am a true believer in diversifying.
Yes, is it good to have a 401k? Yes, it's good to have a 401k because you get money from your employer. Hopefully, not everyone does it, but they do match. So that's free money. Yes, that's great. But how about if the stock market goes into a super recession and you lose all this money and then maybe you get sick.
So what are you going to depend on now? So we always valued diversifying in real estate. And, and that's basically what we have focused a lot of time in. Honestly, our kids are going to be set when they're older. Like when I grew up, I wasn't born rich or anything. So what I have, I've worked for and, but I, we always wanted to have our kids set up so that they don't know any struggle.
Do they understand how those things were attained? Of course. In no way, shape, or form are they considered privileged. However, I know that my kids are going to have to take, they're not going to have to take a school loan to pay their education. I don't want them to get a school loan. That maybe, with going to school again, starting from scratch, I had to take a loan, and I, thank God I finished paying that, but now I'm currently paying my doctoral one, so, it's a lot. So I don't want them to have that struggle. I want them to start fresh and clean. So yes, the one thing that we did was invest in real estate. So, we started with one, we bought a multi family in New York and from there it has grown to 21. So look, I'm saying this is the emoji that goes like this.
That my husband's terrible, that stuff, because or else it would drive me nuts with everything I have to do. But I feel that I can say I'm financially independent, that I don't have to depend on an employer in order for me to, let's say, have something when I retire. What does
[00:10:30] Naseema McElroy: that feeling do for you? Like when you are teaching or when you're going into the bedside or just working, like knowing that you don't have to depend on that check?
Yeah. Yeah.
[00:10:43] Dr. Margarita David: And that's a good point because I literally this morning was having some conversation on my way to Walmart Because I said, you know when a lot of these people now everyone has a YouTube channel Everyone I if I would have known how big this was gonna get years ago, but you know what I wasn't prepared years ago So things happen when there's but now everyone wants to teach on YouTube even people that I didn't want to But we do it for what?
Monetization. And I made a big point about that this morning, that I truly do enjoy teaching and it improves when you are not worried about monetization than when you are. So if your job is to do that 24 7, I don't know if I could trust that. You know what I mean, but it's good to go into work, taking care of your patients, teaching your students because you really do love to do it as opposed to because you have to do it.
Because I'm telling you, there's a big difference when you're caring for patients, when it's like, Oh my God, I have to be here and I don't want to be here, but I have to be here. You know what I mean, as opposed to, okay, I choose my own time. I choose when I I keep my bedside. So I am per diem. So I, I do my hours, but do I really have to kill myself?
No. Do I have to really work five days a week? Unless, I can, if I want if I want to be greedy, but do I have to? No. So I'm truly doing what I'm doing because I love to do it. And I do want, and I tell this to my students, I was having this conversation last week with another group of mine,
number one to go because stop in that everybody goes and puts everything in a 401k or it goes to each trader Fidelity invest everything.
[00:12:25] Naseema McElroy:
Yeah. I love that. Even though I'm very heavily invested in the stock market, but but there's a risk in everything. And I think that we just need to understand that risk and know how to mitigate that risk, but also understand the person that you are or the person that you need to become in order to make sure that your investment.
Are set up the way that you need them to provide for you. So, I also love real estate as an option, but I was also one of those people that in 2008 lost everything because of my real estate investments when the market crashed last time. So I was like. Really super duper hesitant about real estate investing.
And it's just something that I like in the last couple of years recently, just got back into, there's risk in everything. And but the only way to build real wealth is to invest. And you can't build wealth by saving money because you're going to lose money because of inflation.
You have to be willing to invest. But one of the. Best investments that you can make is in yourself and in your own personal growth. And then all the other investments in the market and in real estate and all those things, they'll come they'll fall into place. But the best investment you can make is making sure that everything that you do is in developing who you are.
And that'll Pay tenfold multiple folds over so I really, really love that. You also talk about well, I want to talk about how you went from one unit to 21 units, like what happened? What was the mindset shift there? And how did you get there?
[00:14:11] Dr. Margarita David: Well, we started with the one in New York, that's the money maker.
New York. The rents are super high. And the units are large, but I'm telling you, if you live in New York, you can live in a shack and you're paying thousands of dollars. But these, this is a three family home. And the two major apartments are four to five bedrooms. And then we have the other one.
That's like a big studio. It's open. It's equivalent to four bedrooms, but it is like a studio that has no walls except in the restroom. So those are big money makers. So after we did that for two years, we just kept that one. And once we build the equity for that one, and that's the key, like a lot of people don't understand that you want to build that equity.
Some people are just quick to just keep buying, buying, buying, but you have to relax. So come with time that house build equity. It was an expensive home but it did pay itself. That's all we needed. And everything that was extra from that house. We sent to the mortgage so it started getting even better.
So the mortgage started getting paying quicker The equity started rising so we had less of a debt So at that point with the equity we built in that house Plus we save because once you get like we have our private home So once you get another home, you can't really qualify for those first homeowner and incentives or anything So you do have to save at least 20 And but we had the equity from that other house.
So whatever we were Missing we got it from there and then we got the second one So then we were keep building on the first equity and then the second one started building equity. So basically we kept saving For the closing and deposit, but in reality, it was the equity that we built from the others that started the domino effect.
The last, let me think one, the last two that we bought cash. And we renovated, so we were able, and so we have no debt in that and they're fully rented. Both of them are two family homes. Those the, except for the one in New York, all of the others are around where I live. And then there's one that we had a plan that we wanted to finish paying one by the time our oldest was entering college.
He enters college in September. Then the other one from New York is going to be finished when our second one enters college and he enters in two years. So for each investment we did, it was for a purpose. Now the last two or three, it was just to get them because it was opportunity. Opportunity knocks. You have to also have money in the bank to be able to grab it. Like the last two, we bought them cash, but guess what? One was sitting there for five years. People thought that the house was nothing inside it. Well, it's the most beautiful house inside two family.
It just needed upgraded. Do you know how much we bought it for? Let me see if you guess it's a two family home. And it's a town. That's a historic Italian American town. In New Jersey called Gibbs town. It's very historic. It has a river front. It's beautiful. We bought this house for, I think it was 48, 000 in New Jersey.
Yes. And it's worth two 50. It's worth two 50. So people got scared of it because they thought they had to do a lot of remodeling by my husband's pretty handy and we got it and now it's fully rented. It pays itself plus we have an additional thousand dollars that goes straight to our savings just from that one The one previous to that is on two acres So two families side by side each side is about 1500 square feet two levels and we bought for 35, 000 And that's in my neighborhood, which is very pricey because Jersey, everywhere you go, it's pricey unless you go to the hood, but that, and we fixed it and it's worth literally like over 300, 000 right now because there was, that was an opportunity.
One of the sides had a lot of work that needed to be done and the other side, the lady was getting older. She was moving to South Carolina, so it was an opportunity. So that's a key. Always have some type. I would say if you can save at least 40, 000 in the bank for an opportunity because that's going to double and triple by itself.
[00:18:28] Naseema McElroy: Especially right now. I'm like, when people are talking about like the fear of this recession, all I see is so much opportunity. And that's why I'm like, this is a time to be cash rich. Don't take any long, just right now. Focus on getting your cash up because there'll be so many opportunities like that.
And then some, so I love that. But you told me that you didn't grow up with a lot of money. So how did you learn this stuff?
[00:18:56] Dr. Margarita David: I'll tell you, my husband had a lot to do with that. He's very focused. I'm focused, but he was determined in the beginning. He didn't want to get into buying multifamily homes and stuff because it could be quite a lot of work.
And he's the type of person he doesn't like to hire out because he says that when you do your own work, you want to make sure it's good and it's going to last. He doesn't like getting contractors for some reason Recently, he's hired one that he really trusts. That's about it But he likes to do things himself.
So he was always scared to do it because he didn't have the time So that we started with the one and then from there we saved you know when we got married pretty young. i've been with my hubby since I'm gonna, I don't know if I should tell you the age, but I just turned 40, but I've been with him since I was 14.
So we've been together forever. So we got married, I was 19 and he never wanted a rent. So he literally when you get into development and you, you pick the house, that's the one I want. That's what we did and I still had a year of business school left so I had to travel back and forth from New york to south jersey And we were literally home poor because that is a word there's home rich, right?
There's home poor we were home poor for four years we didn't go out anywhere, everything was home we didn't have fancy furniture, it was the basics, Ikea, some things, like a table, it was what we needed at the time. And that is key to people understanding too. You don't have to start out with a ban, who cares what people think? At least you have a house, not many can say, Oh, I got married. I had my new house and stuff. Who cares if you don't have all the furniture and stuff that will come with time. And it did, after four or five years and we were struggling, we were paying our, we were working to pay our bills.
And then I go and start school again, we already had the two little kids and it was hard, but we made it, we made it work. And I think that's what gave us the motivation to start with one and then continue and continue. And then it just grew itself. I, I don't even know how we did it, but I think it's when you're determined to set a standard for your kids.
And their future and to also not depend on our job or pensions, because who knows social security? Who knows if that's going to even be there when we retire? I'm, I don't think it will be. Okay. So you can't really depend on, on that stuff at all.
[00:21:26] Naseema McElroy: Yeah, I love that you have a partner that you're totally on board with, but I cannot believe that he is so handy that he is willing to do all of that work.
So we all want to sit here. Yeah.
[00:21:42] Dr. Margarita David: Look up. You see all that?
[00:21:44] Naseema McElroy: Really?
[00:21:47] Dr. Margarita David: Oh my God. He destroyed this whole house and redid it himself. Oh my God. That's where those were walls. He, he literally, all that iron work he did himself, like people that's shapes and he welded it with his dad. He doesn't like anybody doing anything.
He's currently working on this. This is the weirdest podcast. Look, I'm showing you.
Oh my God. So he's very, very handy. So I'm telling you
[00:22:23] Naseema McElroy: that is so cool though. We all aspire to have husbands like you, man, but that's cool. But I think the, the key lesson here is that getting on the same page financially with your partner is paramount, like that's. Major. When you're on the same page, you can accelerate
[00:22:47] Dr. Margarita David: your goals
[00:22:48] Naseema McElroy: significantly. Not saying that you can't do it if you're not on the same page, but that right there, finding someone or having a partner that you can grow.
With and that you're on the same page with man makes Financial independence or whatever your goals are so much more attainable so I love that from the time you guys got married you guys were head down and focused and on the same page and just growing in and Didn't start with a whole lot, came from really humble beginnings, but was still able to not only build like this real estate empire, but look at you, you're a doctor of nursing and you inspire so many other people in nursing.
And I'm sure just in business in general. So let's transition and talk about your business that you have now doctor registered nurse. What do you do there and where do you see it going?
[00:23:44] Dr. Margarita David: Well, I always said that once I finished my doctorate degree, and because I knew the struggles that nursing students go through when they're in nursing school, especially that a lot of them are going through these fast track programs because they have another degree, a bachelor's, or something else, I knew that struggle and I always So that I wanted to pay it forward and providing a way of learning that is conducive to actually retaining the information because a lot of students, what they do is that they try to memorize the information for a test, and I live for by a model that you want to work smarter, not harder.
So I try to teach my students that in order for them to work smarter, they should retain the information first so that when they have to review it, it's not really necessary. Now, let me learn it again. So you're trying to do quality instead of quantity. So that is literally my drive for opening that
channel on YouTube. Some people are not on Instagram, some people are not on Facebook, so you have to cater to everyone. But that was my main goal, to be able to provide them a way that they can understand it either through visual prompts or even when I go live. I do a lot of those on Facebook or watch parties.
So that was my main purpose. To give them a way where they can actually understand and then also have the credentials to back it up Because a problem that I'm seeing how I said earlier, there's so many people out there trying to teach things I'm not gonna mention them But there's one particular person that if I hear her name one more time I'm gonna drill something in this ear and I'll take my eyeball out.
It's like it's But, does, do they work? Do they work in the field? I will, you will never see me teaching pediatrics. I am not a pediatric nurse. You will never see me teaching maternity or labor and delivery. I will get an expert for that. So when you have someone that knows everything, people need to be cautious of it.
Okay, it's kind of like if I want to go do a facelift and I go to a foot surgeon. It doesn't make sense, right? It just doesn't make sense. Okay, or a general surgeon that doesn't make sense or a vascularist who doesn't make sense. So I wanted to make sure I had the credentials to back it up as well as the experience.
And now because I could have probably done this years ago, right but I just didn't feel that I was ready So that's why I started opening all those avenues and it's been growing quickly Do I want it to grow faster? Of course, but I think that in the let's say set six seven weeks that it's been open It's almost what thousands of drivers on YouTube.
It's growing on Instagram. So it's growing. It's growing. Hopefully it grows way more, but I'll accept the growth so far. Sometimes I'm impatient,
[00:26:35] Naseema McElroy: but I love that you do your education both in English and in Spanish. And I think that that is super unique. And I think that NCLEX.
And just like right on time, right when I basically when you started your platform, I was like, look, you here's somebody that you can learn from. And he is from Columbia. So I was like, she does it in English and in Spanish. So however you're comfortable. And so, I, I love that you're serving typically underserved demographic.
So I think you're doing amazing things and you will grow. You will grow. The first couple of months is really, really hard, but I can see you really taking
[00:27:24] Dr. Margarita David: off. So yeah, I wanted this platform to be bilingual now. There are a lot of things that In this in health care that is so difficult to translate, but i'm a fluent spanish speaker But even with that like I remember I did a video that I was like, oh my god I know that my uncle's gonna call me and he did.
Oh, you didn't say this, right? I came here when I was six and I do speak spanish every day But when you're trying to really be a professional Spanish speaking. It's a little different, but I did want to be able to provide that service. I actually even got someone from Puerto Rico that moved to the States.
And from all over that has, has Columbia, like your friends because although they might know the language of English, because Spanish was their first language, they can understand the concept better in Spanish. I travel a lot back and forth, but still, I wanted to make sure I provided a forum that I could speak in Spanish.
I'm trying to reach any nursing student, anybody in healthcare, anybody that's not in healthcare, because the topics that I cover... Anybody can understand. And that's what I wanted the channel to be easy to understand. Like when I just did something on Corona virus, all the weeks ago, I did it in Spanish.
I see my husband's you should do one in English. And I'm like, well, there's so much out there, but just get it, just do one. And I did it and anybody can understand it. There's three different phases. That's not something that's being. Talked about in the news. That's why people that have died is there's a reason they've progressed to those three stages And if they go through the second stage didn't to third, it's very unlikely that they're going to survive it.
So I made it very understandable for the regular person my sisters. I asked them all the time. Can you understand this? Oh, yeah, it's easy to understand So, I want to reach out as many people, of course, nursing students are the ones that are usually looking for this stuff, but it's not limited to them.
I don't care if you're 150 years old or, if you're just starting high school, it doesn't matter. My son, who's a sophomore, looks at the videos all the time and they learn And I have the platform on YouTube, which is Dr. Registered Nurse, literally DR Registered Nurse. I have the platform on Facebook under the same name.
There's a private page, a group, and then there's a Facebook page that's like the business public page. I have the Instagram, which is OfficialDoctorRegisteredNurse. Twitter is Doctor with D R R E G, R E G, Nurse. So you can find me anywhere. You'll find me online. You can find me under the name, because I'm literally...
In every form you can find me which is I wanted that because again, I don't know who's where. A lot of people don't use certain ones, so I wanted to cover as much as possible.
[00:30:19] Naseema McElroy: Yeah, I love it. And I'll have all the links to all your platforms in the show notes. So if you're driving and you can't write it down, you can just click the link in the show notes later.
But I wanted to thank you, Dr. Margarita for coming and sharing with nurses. I know they'll be inspired by your story, and I don't know if you said it, but you're from the Dominican Republic, right? Yeah, you came here as six years old you started in your marriage with nothing with you know Not not rich and was able to build Empire and you went on to achieve your doctoral degree, which is super aspirational But the most important thing is that is totally replicable and I hope that this It inspires people to know what's possible, and that's the whole purpose of this platform to empower people with the knowledge that we're out here doing big things, especially as nurses and the sky's the limit.
And I just every week want to come into your ears and show you different ways where you can make it happen for yourself. So any parting words you want to leave with the people, Dr. Margarita?
[00:31:33] Dr. Margarita David: To become independent, not depend on a job. Make the effort. Make the sacrifice. It's gonna be sacrifice. There is, there might be a year or two that you don't go to the movies or go out to the restaurant or, or do some fun stuff or travel.
However you have to sacrifice in order to be able to succeed and to establish a financial freedom plan that's going to set you up. Do you really wanna retire when you're 75? No, you don't. Honestly, I have a five year goal. I'm 40. Trust and believe that at 45 that retirement talk is going to start. I'm not going to have to wait that long because I prepared and I sacrificed and I know sacrificing is scary.
We are selfish. We want to do everything now, but think about all the gains that you're going to get when you start early, even if it's later, double up on those savings. You don't have to go to the movies. It's going to be on the television in a couple months. Wait, it's a sacrifice that you have to do. So the word here is sacrifice in order to gain.
And that's what I wanted to tell you.
[00:32:42] Naseema McElroy: I love that. And the thing is that people look at sacrifice like it's scary, but if you're not sacrificing today. You're sacrificing your future. So you need to understand that. Don't look at sacrifice as a bad word. Look at it as an opportunity. And we've shared with you different opportunities that you can take at this point.
But I love that you're saying sacrificing. Thank you so much for sharing your story. I know people will be inspired. And we're gonna check back in with you at 45 because you'll probably be retired by then because you have the passive income to do that. You have what it takes to retire right now if you wanted to, but I think conservatively, you're just giving yourself that time.
And then, like I said, everything that you've done is replicable. So I hope people really take heed. To the messages that you conveyed because they're super strong messages. So again, thank you so much for sharing your story. Thank you so much for continuing to educate and inspire. And again, it was truly my pleasure.
[00:33:43] Dr. Margarita David: But what you are my inspiration, cause I need to get to Forbes. I need to interview you so that I can get into the Forbes magazine. That's a, that's in my plan book, by the way.
[00:33:56] Naseema McElroy: Oh girl, I can get you into Forbes so we can do it. Let's do it.
[00:34:02] Dr. Margarita David: Yes.
Any questions you got, send them my way.
[00:34:08] Naseema McElroy: All right. Thank you.
Hey there I’m Naseema
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