Queer Money®: How Gay People Do Money

What are the most affordable LGBTQ+-friendly college towns? When we talk about affordable LGBTQ+-friendly cities across the U.S., we often highlight many larger cities, but we don't talk much about college towns and one of you requested a list of these places. Since many college towns are small towns and cities there generally isn't much data on LGBTQ+ friendliness of these locations. So we did a bit of digging and found colleges that are in cities and towns that are on the HRC Municipal Equality Index as well as cities and towns that rank high on bestcollegereviews.org and collegevaluesonline.com. This is Queer Money episode 527, and today we're breaking down 7 college towns or cities that are both affordable and LGBTQ+ friendly. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YoutubeWatch last week's episode on YoutubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off433: Top 10 Cities Part 1485: Top 10 Cities Part 2387: West Virginia407: Pennsylvania419: New York435: Missouri451: Kentucky459: Illinois455: Iowa487: Top Surprises497: Blue States499: Purple States501: Red States Follow us:

What are the best retirement side gigs? Spending our days on the links or knocking back a few electric lemonades on the front porch is not the retirement reality for a lot of LGBTQ+ Americans. With the growing retirement crisis hurting marginalized communities more, many must still work in retirement. So, what can you do if this applies to you? On this episode of Queer Money®, we’re sharing the top ten side gigs or part-time jobs you might take on in retirement. We explain how working in retirement affects Social Security benefits and discuss how much you can earn as a pet sitter, rideshare driver or vending machine investor. We also describe opportunities to supplement your retirement income as an online teacher, handyman or fitness instructor. Listen in for insight on leveraging your professional expertise as a consultant and get ideas for the retirement side gig that’s a good fit for you! Topics Covered on retirement side gigs For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

What are the most affordable LGBTQ+-friendly cities in the Sunbelt? When we talk about affordable LGBTQ+-friendly cities across the U.S., we often highlight many cities in the Midwest or East. This is often because these cities are not currently seeing as much population growth as many cities in the Sunbelt or on the coasts. Many of you have said that you'd like to see a list of cities in warmer climates. This is Queer Money episode 525, and today we're breaking down 7 cities that are both affordable and LGBTQ+ friendly in the Sunbelt. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YoutubeWatch last week's episode on YoutubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off433: Top 10 Cities Part 1485: Top 10 Cities Part 2397: Texas411: Oklahoma421: New Mexico451: Kentucky487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

What’s behind the housing affordability crisis in America? Real estate prices are off the charts, and unless you happen to be a high-net-worth individual, it’s nearly impossible to buy a home right now. So, WTF is going on? Is there anything we can do about it? Angela Rozmyn is the cocreator of Women’s Personal Finance, a platform that provides empowering financial education for women and nonbinary people. She is also a passionate advocate for affordable, sustainable housing, working a day job for a company that builds LEED Platinum real estate projects. On this episode of Queer Money, Angela joins us to discuss the myriad reasons for the housing affordability crisis in America. Angela explains why the supply of homes has not kept up with demand, how interest rates impact housing costs, and what’s behind the NIMBY attitudes that drive real estate prices up. Listen in to understand how it impacts a community when its service workers can’t afford to live where they work and find out what you can do to advocate for affordable housing in your city. Topics Covered For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

These are just a few of the comments we've gotten when we've highlighted blue cities in red states that are both affordable and LGBTQ+ friendly. So, why would someone choose to stay in or move to a red state? This is Queer Money episode 523, and today we're breaking down seven reasons that many LGBTQ+ folks and our allies have decided to either stay in or move to red states. With this episode, we hope to respond to the "gayla gays," gay-listers," and elitist folks in our community who deem many of these places as "unworthy" without considering some very real and very valid reasons queer folks live in these states. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YoutubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

Regular listeners of Queer Money are familiar with the way Kingdom Advisors uses donor-advised funds to finance the anti-LGBTQ industrial complex. But right-wing extremists haven’t stopped there. Today, radical conservative influencers and organizations are working with the Heritage Foundation to design Project 2025, a blueprint that seeks to eliminate the rights of LGBTQ+ people, women and immigrants, effectively creating a church state in the US. David Roth is a Democrat running for the US House of Representatives and the first openly gay candidate for the state of Idaho. He also happens to be an expert on Project 2025. On this episode of Queer Money, David joins us to explain how Project 2025 will impact the country as a whole and the queer community specifically. David discusses why it’s crucial for the LGBTQ+ community to get involved in the political process, describing what Democrats are doing to fight Project 2025—and why it’s not enough. Listen in to understand the financial implications for our community should Project 2025 succeed and learn what we can do as individuals and collectively to maintain the rights we’ve won. Topics Covered For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

Are you an LGBTQ+ person with children? How about a parent with LGBTQ+ kids? Or maybe you want to start a family as a queer person. This is Queer Money episode #521. Today, we’re diving into the top 7 most affordable LGBTQ+ friendly cities for queer folks who want to or have children or parents who have LGBTQ+ children. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YouTubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off407: Pennsylvania419: New York443: Massachusetts445: Maryland459: Illinois473: Colorado475: California433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is...

Are you postponing your personal goals and dreams until you turn 65? What if you don’t have to wait until retirement to travel, write your memoir, or pursue a hobby you love? What if you could take several mini-retirements throughout your career and achieve some of those ambitions along the way? Jillian Johnsrud is the creator of Retire Often, a platform that helps people take a series of successful sabbaticals throughout their careers. Jillian reached financial independence at age 32 and has since traveled to 27 countries with her family. She is also the author of Fire the Haters and host of the Retire Often podcast. On this episode of Queer Money®, Jillian joins us to explain why it’s challenging to achieve our personal goals on nights and weekends and explore what you might do on a sabbatical from work. Jillian discusses the pros and cons of taking mini-retirements and describes how to plan for the financial and emotional aspects of taking a break from work. Listen in for insight on negotiating a month off without leaving your current job and learn how to build a meaningful, fulfilling life by retiring often! Topics Covered For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

Do you love the outdoors? Are you into hiking, biking or spending time in your local parks? If so then this Queer Money is for you. This week we're taking a request from one of our YouTube viewers who asked for a list of LGBTQ friendly cities for outdoor life, so we're delivering. This is Queer Money episode #519. Today, we’re diving into the top 7 most affordable LGBTQ+ friendly cities for folks who love the outdoors. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YouTubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off385: Wisconsin389: Washington407: Pennsylvania413: Ohio409: Oregon443: Massachusetts445: Maryland459: Illinois433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money...

Many of us in the LGBTQ community were bullied as kids for being different. But few of us leverage those experiences as inspiration to launch a cookie company! Nicholas Naclerio turned to food for comfort when he was bullied for being gay. But when he turned 18, Nick got healthy and decided to use food as a form of self-expression and healing; to transform his pain into something good. Today, Nick is Founder and CEO at Mmmly, the good-for-you cookie brand that leverages nutrient-dense ingredients to make delicious, indulgent cookies with health benefits. On this episode of Queer Money, Nick joins us to describe how building Mmmly helped him heal from childhood trauma and share the creative aspects of building a business he loves most. Nick discusses how he used a combination of bootstrapping and investor money to fund Mmmly, explaining what it means that the ‘entrepreneur eats last’ and how that can become a problem. Listen in for Nick’s advice to other queer entrepreneurs and learn how to build a successful consumer brand—without losing yourself in the process! Topics Covered For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

The transgender community has taken the brunt of most of the anti-LGBTQ legislation that is being proposed and passed in the Christian Industrial Complex's attacks on the LGBTQ community recently. So where are safe places that are also affordable for the trans community in the US? This is Queer Money episode #517. Today, we’re diving into the top 10 most affordable transgender-friendly cities. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YouTubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off385: Wisconsin419: New York439: Minnesota445: Maryland459: Illinois433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo -...

Curious how the uber-rich protect their wealth? If you knew the secrets of ultra-high-net-worth individuals (UHNWIs), could you leverage their approach to money management to grow your own wealth? Tim Volk, CFP, is Founder and Principal at T. Volk & Company Consulting, a boutique financial advisory firm that serves ultra-high-net-worth families. He also hosts The Rainbow Bull Podcast. On this episode of Queer Money, Tim joins us to share the secrets of the uber-rich, describing what UHNWIs do to transfer and mitigate risk. Tim explains how the uber-rich think about money in the long-term and challenges the LGBTQ+ community to adopt a future-self approach to spending. Listen in for insight on raising kids who don’t feel entitled and learn what you can do to join the ranks of the emerging affluent or uber-rich. Topics Covered Crazy Rich Asians For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

“Why is it so expensive to be gay?” A common sentiment that we hear from many in the LGBTQ+ community. Much of that has to do with where we choose or end up living since housing costs for many make up anywhere between thirty to fifty percent of their take home pay. If you’re one of the few LGBTQ folks with lots of cash, these are the top 5 most expensive cities for you to check out. If you don't have the cash, these could be cities to either aspire to live in or to avoid for your financial and mental health. This is Queer Money episode #515. Today, we’re diving into the top 5 most expensive cities for LGBTQ+ folks. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YouTubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off423: New Jersey419: New York467: Florida475: California433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend.

We all have a money story. And for many of us in the LGBTQ community, it’s a negative narrative. Maybe you were taught that money is the root of all evil. That there’s never enough to go around. Or that you have to work hard to make money. Worse yet, you may believe that you don’t deserve financial stability, let alone financial freedom. So, what can we do to recover from the childhood traumas that are affecting our money today? Scott Clover is an intuitive guide who helps people release old patterns and heal themselves using skilled intuition, body energy and somatic technologies. On this episode of Queer Money, Scott joins us to discuss the most common patterns and behaviors exhibited by individuals with financial trauma. Scott explains how being queer might influence your relationship with money and describes how releasing internalized shame leads to better financial decisions. Listen in for Scott’s insight on using money in a way that strengthens your self-worth and learn how to rewrite your money story and start building an affirming relationship with your finances today! Topics Covered For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

Where can I retire that is both affordable and LGBTQ friendly? We get this question a lot, especially as comments on our Affordable LGBTQ+ Friendly Cities series content. This is Queer Money episode #513. Today, we’re diving into the top 10 most affordable retirement locations for LGBTQ+ folks. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YouTubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off385: Wisconsin387: West Virginia407: Pennsylvania413: Ohio419: New York451: Kentucky433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend.

40 years ago, the US changed its approach to retirement. But those changes shifted the risk from the government and corporations to individuals. And now, nearly half of middle-class retirees will be downwardly mobile into poverty or near-poverty in their golden years. So, what can we do to solve the retirement crisis in America? Teresa Ghilarducci is the nationally recognized labor economist behind the new book, Work, Retire, Repeat. After an illustrious 25-year tenure at Notre Dame, Teresa joined the New School for Social Research in 2008. She has spent her career advocating pension reform. On this episode of Queer Money, Teresa joins us to discuss what’s behind the retirement crisis in the US and explore what we can do to secure a dignified retirement for all. Teresa explains why raising the retirement age isn’t the answer, exploring how the current system creates more inequality and harms low-wage older workers. Listen in for insight on how life cycle disparities affect LGBTQ individuals and learn how Teresa’s Gray New Deal will help solve the retirement crisis in America. Topics Covered For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a...

Tens of thousands of small towns are scattered across the United States. Yet many of us have been lead to believe that none of these are great places for LGBTQ folks. Is this true? Today we're looking at affordable LGBTQ+ friendly small towns, or places with a population of less than 50,000. This is Queer Money episode #511. Today, we’re diving into 5 affordable small towns that are great spots for LGBTQ folks. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YouTubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off383: Wyoming401: South Dakota451: Kentucky453: Kansas433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

We’re drawn to drag queens and love being entertained by them. But have you ever thought about what it takes to build a business as a drag performer? How much do they invest in costumes, makeup and marketing? How do you make drag a full-time job? Jessica L’Whor is an up-and-coming national queen who got her big break winning the Colorado State University Drag Show in 2013. Since then, Jessica has been named Best New Queen on the Scene and Colorado’s Drag Entertainer of the Year. On this episode of Queer Money, Miss Jessica joins us to discuss the economics of being a drag performer and describe how she does financial forecasting for her business. Jessica explains what life was like before she got her big break and what she would do to avoid credit card debt if she could go back to the early days of her career. Listen in to understand how Jessica lives her core values—work hard, play hard and slay humble—and learn how to turn the hobby of being a drag queen into your main source of income. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

There are only 94 cities in the US with a population over 250,000. This means that there are thousands of small cities and towns across the country. So, today we're looking at affordable LGBTQ+ friendly places in small-sized cities, which are cities with a population between 50,000 and 250,000. This is Queer Money episode #509. Today, we’re diving into 5 affordable cities within small cities that are great spots for LGBTQ folks. Affordable LGBTQ+ Friendly Cities in the U.S. here.Watch this week's episode on YouTubeWatch last week's episode on YouTubeDon't miss the other states we've covered in this Gay Cities series Past episodes mentioned in this episode: 381: The Series Kick Off387: West Virginia385: Wisconsin435: Missouri455: Iowa459: Illinois433: Top 10 Cities Part 1485: Top 10 Cities Part 2487: Top Surprises497: Blue States499: Purple States501: Red States Follow us: Queer Money YouTubeQueer Money InstagramQueer Money on Tiktok Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend.

What does the budget of a queer indie film look like? What if you could invest in an LGBTQ movie as part of your diverse portfolio? Gabe Dunn is a New York Times bestselling author, screenwriter and filmmaker who writes for the Netflix series BIG MOUTH and hosts the Bad With Money podcast. Gabe’s short film Grindr Baby was named one of five Frameline Voices for emerging LGBTQ directors in 2023, and his latest project, You & I, You & Me, starts production next month. This is Queer Money episode 508 and today Gabe joins us to discuss the economics of making a transgender movie, sharing the budget for You & I, You & Me and some of the surprising expenses associated with producing an indie film. Topics Covered: For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us: Queer Money Instagram Queer Money YouTubeQueer Money on Tiktok Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence Mentioned in this episode: Join us in Detroit for Queer Money Bingo! Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th