Pluto in Aquarius

What were you doing between March 23, 2023  and June 11, 2023? During that time period, we got a preview of Pluto in Aquarius. The last time that Pluto changed signs was in 2008.

For me personally, some extremely significant things happened during both of these times. There has been a lot of chatter in the astrology community about Pluto and its impact.

When I first started hearing about it at the beginning of 2023, the first thing that I thought about was that I had somewhat major surgery in 2008. But it was planned surgery. I didn’t have any surgery planned during 2023, so I hoped that Pluto wouldn’t impact me the same way.

Unfortunately, it did. It just wasn’t planned. In the beginning of June 2023, I ended up in the hospital and had emergency surgery. As someone who is usually healthy, this was so out of the blue and bizarre. I was truly shocked.

Both transits weren’t all bad though. Especially between March and June last year. I was starting to make my way into the world and back to focusing on me again after COVID and moving my mom closer to me.

At the end of March, I saw Jill Scott in Boston and the next day traveled to Maryland and DC. I also went on a short retreat at Kripalu in the Berkshires in May. I had so much fun spending time with family and friends and focusing on wellness. Oh, and I got Wordle in one try!

I haven’t mentioned all the changes that happened to me personally, and there are also many things that happened to us as a collective during these times. The 2008 financial crisis, then in March 2023 there was the collapse of Silicon Valley Bank.

Also, I will never forget where I was when I learned that the former president was indicted by the state of New York. I was on the train to DC and had just arrived in New York!

A lot happens when Pluto changes signs. It’s really quite remarkable and something to take note of. Pluto’s orbit around the sun takes 248 years. So it spends a lot of time in each sign. Astrologer Chani Nicholas gives a nice summary of the last time that Pluto was in Aquarius.

“The last time Pluto journeyed through Aquarius, between 1777 and 1798, the world’s balance of power massively shifted. These two decades saw the American Revolution, the French Revolution, and the beginning of the Industrial Revolution. The monarchy was toppled in France, showing that even the world’s most powerful institutions can crumble in the face of Pluto’s wrecking ball.

The Age of Enlightenment also reached a crescendo at this time. Aquarian ideals of reason, rationality, and humanity’s power to steer its own destiny fueled this epoch and laid the groundwork for democratic institutions and human rights.”

So why is all this relevant now? Pluto moves into Aquarius again this Saturday, January 20, 2024. An article on Stylecaster explains more about the dates and upcoming changes.

“Pluto has been transiting down-to-business Capricorn since 2008, so its initial move into airy Aquarius on March 23, 2023 marked the first sign shift for this planet in nearly 15 years. This was Pluto’s first dip into the revolutionary sign of the water bearer since the late 18th century—but in true Pluto fashion, it’ll take time to fully complete this zodiacal transition.

Thanks to Pluto’s slow orbit and annual retrograde periods, it reverted back to Capricorn on June 11, 2023, but as of Saturday, January 20, 2024, it will move forward into Aquarius once again. However, this is another temporary dip into Aquarius, as Pluto retrogrades back into Capricorn on September 1. Luckily, it will return to Aquarius for good as of November 19, 2024. From there, Pluto will remain in Aquarius until 2043 and 2044—giving the planet a solid two decades to work its transformative magic in the Aquarius-ruled parts of our chart.”

There is so much happening in the world right now, that I probably cannot even come close to imagining how this will all play out. But I expect there will be some revolutionary changes. Let’s hope for the best.

The CHANI App

Chani App

This may be the first time that I’ve written about an app. I use quite a few of them, but only the free versions, except for the CHANI App.

When the CHANI App for Android users was finally available this summer, I downloaded the free version right away. This app was created by Chani Nicholas, an astrologer that I’ve written about before. I loved her book, You Were Born For This. I look forward to Mondays, so I can listen to her Astrology Of The Week Ahead podcast. Generally, I absorb her content in any way that it’s available.

I really enjoyed using the free app. After hearing about how many users listened to the daily guided meditations, only available with the premium subscription, I decided to do the 14-day free trial. I started listening to the meditations and actually changed my morning routine to incorporate it. Chani has a very soothing voice and the meditations remind me of the ones during a yoga class.

After the free trial ended, I started paying for the premium subscription. I like some of the more detailed information available about my personal chart, but I’ve realized that I don’t use that most days. I’m really paying for the meditations.

Then I started noticing that the app seemed a bit glitchy. I received a couple of crash notifications about it on my phone. Also most days now, when I’m listening to the guided meditation, it will just stop. So I have to restart the app to continue. Sometimes a couple of times. The meditations are about ten minutes, so having to keep stopping during that time is not calming or soothing.

I wondered if these issues were just because of my phone. It’s a few years old and doesn’t have a ton of memory on it. Also the app is new and it may take time to get everything working correctly. But then again, wasn’t all the time that we Android users waited for, so that it would work correctly?

When I looked up the app on Google Play, I noticed that one of the recent reviews mentioned having a similar issue with the meditation stopping and needing a restart. The review was rather harsh and I don’t agree that the app sucks. But I am wondering why I am paying for this app now and whether I should continue.

The information on the free CHANI app is very helpful and maybe that is all that I need. With taxes, I’m paying $12.74 a month. That’s not a ton of money, but it’s more than I’m paying for Netflix, with commercials, where I get a lot more content. Over a year, that adds up to $152.88, which is a fair amount of money.

However, Netflix is a huge corporation. I feel no sense of happiness supporting it. Chani has a smaller woman-owned business that I like supporting. I love that she has a salary floor of $80k for all her employees and offers incredible benefits. And I love that she partners with her wife’s business FreeFrom, where they employ survivors of domestic abuse and put them on a path to building wealth and financial security. I love the work that they are doing. They are changing the American workplace and making such a positive difference.

But I also need to make good financial decisions for myself. I just paid for this month, so I have a month to decide* if I should go back to the free version.

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*Updated 11/12/23: I ended up downgrading back to the unpaid app.

Screenshot: Google Play

Do You Watch Eclipses?

eclipses

Since I was young, I’ve been fascinated by eclipses. If anything can make you feel the mystery and wonder of life, it’s an eclipse. Also, my family, going back generations, has a history with them.

Eclipses are literally dangerous. Looking into one without proper protection can damage our eyes and even cause blindness. Although they are a natural wonder, maybe they’re also a sight that we shouldn’t behold. And that’s not just because we want to protect our eyes.

Even though eclipses seem rare, they happen every year and even have seasons. We’re heading into eclipse season tomorrow, which will be the first in the set, and a solar eclipse. Eclipses happen with new moons and full moons. So one eclipse follows the other. The second eclipse in this set will be with the full moon on October 28th, and a lunar eclipse.

On Chani Nicholas’s weekly astrology podcast, she dives deep into eclipse season. I’ve heard her take on eclipses elsewhere and find it quite striking. She doesn’t think it’s bad or good to look at them, but she prefers not to watch them and just lets them do their thing.

She discusses how eclipses are caused by the light being blocked from our luminaries, the sun and moon, which causes shadows. Basically the connection to our power source or energy is being interfered with and becomes unstable, so there are energy surges. Generally, when we think of things in shadow and power outages, that might not be something we want to invite into our lives. There is a lack of clarity and unpredictability. Things may not be as they seem and maybe we need to wait it out. Also we may feel drained of our energy. So if we’re feeling tired tomorrow, it’s to be expected.

Also, she says that eclipses are about the speeding up of endings and beginnings. The one tomorrow is about release and letting things go. This makes a lot of sense to me. As I mentioned in a post back in August, my federal student loans were forgiven. Which was wonderful, I didn’t have to make payments. However, they were still showing up on my credit report, so it didn’t truly feel like they were gone. The weight of them wasn’t completely gone. Today, they finally disappeared from my credit report! I can fully let them go energetically. They are really gone. Maybe the upcoming eclipse helped sweep them away.

Anyway, if you’re looking for a safer alternative to following tomorrow’s eclipse, NASA has you covered with their new 2023 Eclipse Explorer: Your Interactive Guide to the 2023 Annular Solar Eclipse.

Needless to say, NASA will be busy tomorrow. Did you hear that NASA plans to fire rockets directly into the eclipse’s shadow? Kind of wild. The article on the NASA website explains more.

“The mission, known as Atmospheric Perturbations around the Eclipse Path or APEP, is led by Aroh Barjatya, a professor of engineering physics at Embry-Riddle Aeronautical University in Daytona Beach, Florida, where he directs the Space and Atmospheric Instrumentation Lab.

Some 50 miles up and beyond, the air itself becomes electric. Scientists call this atmospheric layer the ionosphere because it is where the UV component of sunlight can pry electrons away from atoms to form a sea of high-flying ions and electrons. The Sun’s constant energy keeps these mutually attracted particles separated throughout the day. But as the Sun dips below the horizon, many recombine into neutral atoms for the night, only to part ways again at sunrise.

During a solar eclipse, the sunlight vanishes and reappears over a small part of the landscape almost at once. In a flash, ionospheric temperature and density drop, then rise again, sending waves rippling through the ionosphere. …

The APEP team plans to launch three rockets in succession – one about 35 minutes before local peak eclipse, one during peak eclipse, and one 35 minutes after. They will fly just outside the path of annularity, where the Moon passes directly in front of the Sun. Each rocket will deploy four small scientific instruments that will measure changes in electric and magnetic fields, density, and temperature. If they are successful, these will be the first simultaneous measurements taken from multiple locations in the ionosphere during a solar eclipse.”

It will be fascinating to learn their findings and see the changes that this eclipse season brings.

Is Student Loan Cancellation in the Stars?

Update: My federal student loans were forgiven! Read here.
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View of space and stars

 

“Either a) they’re going to resume repayments right before the election, which would be suicidal, or b) they’re going [sic] forgive loans right before the election, which would be brilliant.” ~ Michael Love

What’s it gonna be? I saw the tweet above and couldn’t stop thinking about it.

Going back several decades gives some clarity on how we got here with student loans. From many articles that I’ve read, it goes back to President Reagan. A “Common Dreams” piece is especially illuminating.

“Before Reagan became president, states paid 65 percent of the costs of colleges and federal aid covered another 15 or so percent, leaving students to cover the remaining 20 percent. Today the numbers are pretty much reversed.

As soon as he became president, Reagan went after federal aid to students with fervor. Devin Fergus documented for The Washington Post how, as a result, student debt first became a widespread thing across the United States during the early 80s:

‘No federal program suffered deeper cuts than student aid. Spending on higher education was slashed by some 25 percent between 1980 and 1985. … Students eligible for grant assistance freshmen year had to take out student loans to cover their second year.’

It became a mantra for conservatives, particularly in Reagan’s cabinet. Let the kids pay for their own damn ‘liberal’ educations.”

An article on President Reagan’s budget that was published by the American Association of University Professors discusses the reduction in student assistance back in the early 1980s. I was a freshman in college in 1982. I had a mixture of grants, work study and loans. However, I remember in my junior year losing a lot of grant money and having to take on more loans than anticipated. I didn’t understand what was happening and remember being shocked.

The article goes on to say, “With rare exception, every college campus would be affected by the proposed cuts beginning in academic year 1981-82. The degree of impact would vary depending on the current numbers of students utilizing federal student assistance programs and the income status of students and their families. We do not know at this time the impact on the size of the freshman classes of academic years 1981-82 and 1982-83.”

Well, I don’t know the impact on the size of the classes, but it was the beginning of a decades long student loan debt problem. President Reagan also contributed generally to consumer loan debt problems for those with middle and lower incomes. With the Tax Reform Act of 1986, credit card interest and other forms of personal interest were no longer tax deductible. We now know what the theory was really trickling down.

Credit Scores & Debt

Money itself means nothing. It’s a tool created by humans so that we can exchange goods and services in a way that is easier than bartering.

We reduce people to a credit score based on whether they are deemed “worthy” of credit.  Buying a home is supposed to be the American dream, but most people have to go into debt to get it. Credit scores are looked at by employers and can impact one’s ability to get employment. Unless you have other income, you can’t pay back debt without a job. It’s a truly vicious cycle.

Credit shouldn’t be needed to get the basics in life like housing, transportation, education, health care and literal freedom. Many if not most Americans go into debt to obtain at least a few of these. Most obtain mortgages to buy a house. People use loans to finance cars. Student loans are used for education. After receiving health care, many are often saddled with medical debt. For those unlucky enough to be arrested without sufficient monetary resources, if they cannot pay bail, they may remain incarcerated.

Library Fee Debt

There seems to be a collective recognition that the idea of debt is wrong and things can be different. Everything that we have in life materially, like cars, phones, houses, money, unless it already existed in nature like plants and water, all the systems in place in society (like debt and taxes) were created, built, and manufactured by people. It didn’t have to be like this from the beginning and we don’t have to continue down this path now. Things can change.

My local public library stopped collecting late fees for overdue books and many other libraries are doing the same. There never had to be late fees to begin with. It became a debt for borrowing a public book. How many people were not able to borrow books because they owed money? 130,000 just in San Diego according to a November 2021 article by the Public Library Association. So people were prevented from using a resource to gain knowledge because of debt. Does that seem right? The pandemic zeitgeist allowed the idea of pausing library fines and a collective shift to thinking that these fees are wrong.

A March 2022 New York Times article followed-up on the elimination of late fees across New York’s public library system. A flood of overdue items were returned to the branches and visitors increased as well. Debt cancellation has a positive effect. It gives power back to the people burdened by it.

The Rich & Debt

There’s a reason why Elon Musk and Jamie Dimon are feeling “super bad” about the economy. Maybe because broad debt cancellation would impact companies and other institutions whose sole purpose is to make money off of student loan debt. There would be a massive reshuffling of the economy. Mitt Romney, one of the wealthiest members of Congress, has proposed legislation to prevent President Biden from cancelling student loan debt. The mega rich are not happy about the prospect.

The pandemic turned life upside down in just about every way possible. As things begin shifting toward a new normal, we can observe how things will land and hopefully imagine a different and better way.

Debt is a fundamental system in our market based economy intentionally put in place in the United States to favor the rich and control those who are not. The tax system favors debt held by the wealthy, but not debt held by others.

According to the Education Data Initiative, 43.4 million people have federal student loan debt. The average balance owed is $37,014.00. If you include private student loan debt, the amount is closer to $41,000.00. In total, the federal government is owed over $1.606 trillion dollars in student loans. Research from Insight Into Diversity states that two-thirds of the people holding this student loan debt are women and most of these women are Black.

The government spends money by incurring debt all the time and forgives it too. But this country seems to fundamentally disagree with who deserves money and who doesn’t. Business need is favored over personal need. It also disagrees with whose debt should be cancelled. According to Pandemic Oversight, many PPL loans were forgiven.

“More than 11.8 million Paycheck Protection Program (PPP) loans were issued as of June 30, 2021, with 708 borrowers receiving the maximum loan amount of $10 million. Of the total number of loans, 4.1 million have been forgiven. The average dollar amount forgiven was $95,700. Of the borrowers receiving the maximum amount, 323 loans have been partially or fully forgiven.”

PPL loans were issued to businesses on the premise that the money would be used to save jobs. That these companies could not pay their workers otherwise. When I heard that Tom Brady’s health and wellness company received close to a million dollars from this program, I had thoughts. Between his wealth and Gisele’s, they couldn’t otherwise afford to pay their employees? Hmmm.

Many companies didn’t have to pay back the money. The PPL program has also been called “the biggest fraud in a generation” based on the hundreds of billions of dollars spent on luxury items and not employee paychecks.

The difference in outrage between what is shown toward PPL loan forgiveness and the idea of student loan forgiveness is stark and monumental.

Who Has Student Loan Debt?

Yet, most likely voters favor student debt cancellation. Just days ago, hundreds of organizations jointly called on President Biden to keep his campaign promise and cancel student loan debt, stating that it will “strengthen the economy, tackle racial disparities, and provide much-needed relief to help all Americans weather the pandemic and record inflation.” Recent headlines state that President Biden may forgive $10,000.00 per student borrower. However, that’s just a drop in the bucket and would do nothing for anyone with debt larger than that. Myself included. Why? Interest capitalization.

From what I see personally with my own student loans, every July, the interest capitalizes. So whatever progress was made during the year in paying towards the loan, the unpaid interest is added again and the loan keeps growing. This happens every year. So the principal keeps getting exponentially bigger. It is a never ending pit. A trap. Unless you have a lot of money and can make very large payments, the loan will never be paid off. When I took out my student loans, I understood that there was interest, but not how much the interest would be repeatedly added to the principal. This issue is very personal to me and I cannot even pretend to be neutral.

So many people are caught in the student loan debt trap. It’s very difficult to make large payments unless you accumulate a certain amount of wealth or someone helps you. President Obama and Kerry Washington were both unable to pay off their student loans until they started making the kind of money that comes from fame.

Things do seem to be changing. Over the past few months on Twitter, I’ve noticed people exclaiming that their student loans were forgiven. Mostly through the Public Service Loan Forgiveness program (PSLF). Over the years, graduates sought to have the loans forgiven, but virtually nobody was ever eligible. The Biden Administration has been taking another look at the programs to see the flaws in the system. Actually those flaws seem intentional. Keeping people in debt seems to be a thing with this country. Debt is as American as mass shootings.

However, the momentum shift by the federal government seems to be only for piecemeal cancellation. Forgiveness for students who attended certain for-profit schools is part of that trend.

Broken Student Loan System

Most recently I’ve read that President Biden is forgiving loans for 28,000 student borrowers who attended for-profit Marinello Schools of Beauty and 560,000 student borrowers of for-profit Corinthian Colleges.

If in the past you tried to get your loans forgiven through PSLF, try again. It’s now working for some people. Hundreds of thousands of people could be eligible to have those loans forgiven. The Twitter celebrations of newfound freedom from student loan debt are beautiful. Maybe the tide is changing.

President Biden extended the pause on federal student loan payments for the 7th time since the pauses began in March 2020. This time the pause is through August 31, 2022. The student loan system is broken and exactly how broken is becoming more clear.

A recent NPR investigation reveals that the federal student loan system has been badly mismanaged. Those tasked with managing the loans have not always kept track of payments made on those loans. Often student loans are eligible for cancellation after a certain number of years or payments. But those servicing the loans don’t always have systems in place to let borrowers know when they have reached eligibility. The system is a mess and the burden of endless years of debt falls on those who can least afford it. Revelations in the article are stunning, including the portion below.

Before the days of multiple loan servicers, there was simply one. From 1992 to 2009, ACS Education Services managed the entire federal student loan portfolio.

But when the federal government ended its contract with ACS and the company began transferring borrowers’ profiles to other servicers, it became clear that ACS had made a dizzying number of errors — more than 5 million according to a 2020 report.

ACS has also faced allegations of mismanaging IDR, misleading borrowers and of taking months, even years in some cases, to correct and update borrowers’ records.

Nearly every borrower who could be eligible for cancellation under IDR in the next few years was serviced by ACS at some point. That means their current records, including the count of their progress toward cancellation, could be built on the sand of erroneous data.

This matters now more than ever, after several servicers have ended their federal contracts and more than a quarter of all borrowers have been — or soon will be — transferred to new servicers.

Broad Student Loan Cancellation?

But will President Biden’s willingness to cancel student loans ever extend to a broader group of people? Millions are bogged down with student loan debt. Not just young people, middle aged and elderly as well. And yes, still me. Some people even lose their social security benefits because of it. An AARP article detailed the problem.

“In fiscal year 2015 alone, almost 114,000 borrowers age 50 and older had Social Security benefits seized to repay defaulted federal student loans, according to a 2016 Government Accountability Office report. Half of those were receiving Social Security disability payments.”

People give money here and there to patch up problems for the moment or maybe a season. But not a lifetime. The Debt Collective, which is the nation’s first debtors’ union, recently “purchased $1.7M of unpaid tuition bills that Black women previously owed to Bennett College — and canceled it all.” That’s a private organization trying to patch up the holes in a bigger system.

A Washington Post article examined how the student loan pause has greatly helped Black women especially, because we as a group, hold a disproportionate share of student loan debt. The pause has allowed some to purchase homes, accumulate savings and catch up on bills. For me, I’ve been able to catch my breath for a bit. But I’m still waiting for the full exhale.

Systemic change is necessary to change a person’s lifetime — not just a moment in time. Full student debt cancellation would change the system and right wrongs impacting generations. It would begin a fundamental shift in the underpinning of American society.

The Current Astrology

I’m certainly not an astrologer, but I believe there is something to astrology. For thousands of years, humans have looked to the sky for guidance. After all, many believe that three wise men followed a star to find a special newborn baby. I follow a few astrologers on social media and have noticed some trends.

Mercury just stationed direct yesterday and generally what was hidden from sight may now be revealed. So the time may be right for getting answers on the big picture with student loan cancellation. According to a podcast by Chani Nicholas, “Mercury retrogrades point out what has never worked. What has been broken for awhile or what is completely unsustainable.” Mercury helps us to realize exactly how problematic things are.

Pluto Return Of The United States

Nations have astrological birth charts just like people. At different times, planets travel to the same places they were located when someone was born. Some planets travel faster or slower than others. The moon travels through every astrological sign within a month. The sun travels through every sign over a year. Instead of wishing people “Happy Birthday!,” some say “Happy Solar Return!” Which is the day and time each year when the sun is in the same spot as it was when you were born.

There are other planetary returns too. Cycles are different for each. If we live to be 84 years old, we could experience a Uranus return. Many people talk about our first Saturn return at around 29 years of age. Depending on how long we live, we could have two or three Saturn returns.

Now Pluto is another story. A Pluto return is 248 years. No human will experience a Pluto return. But a nation can. And the buzz about the Pluto return of the United States has been ever increasing over the last few years.

Astrologer Chani Nicholas was interviewed on a podcast about this important time that we’re living through. Her interview starts around 21 minutes into the show. She says that the Pluto return started in 2008 and makes us reckon with everything. It all gets exposed and we have to heal from the past.

According to what Pluto impacts, it was no coincidence that during 2008, we were in a financial crisis and that we elected President Obama as the first Black president. The unsustainable housing market was exposed for what it was. Shaky at best. Racism that has always been a part of this country became louder and uglier.

Nicholas says that Pluto asks what we have learned about our resources and what are we going to do about it. It’s a reckoning point.

An article by Astrologer Whitney Will also states that the impacts of the Pluto return started in 2008 and that there are “three exact hits” that happen in 2022.

“At the time of the signing of the Declaration, Pluto was toward the end of Capricorn at 27 degrees, falling in the part of the chart that relates to resources, how they are acquired and how one manages finances. In this position, Pluto describes a fixation or complex that the United States will and does have with economics, and a difficulty in relating to this topic with any kind of moderation. When it comes to money, the United States as an entity is likely to relate in compulsive ways and with a great deal of psychological shadow involved. When Pluto comes back around, we will have to reconcile with the darker parts of our history.”

The Hoodwitch refers to the Pluto return of the United States as a “historic event that will rock the country and change our lives.” She continues.

“The foundation of the U.S. has many cracks in it, which is why we can expect to see it being rebuilt in a better way in which the people hold the power. The government has to be accountable and responsible for the wrong doings of its past — particularly the racist and misogynistic roots that the country was founded on. The time and reckoning has come for the country to make reparations and redefine the culture that its founders built. A restoration is necessary.”

It’s no revelation to most that Nancy Reagan had an astrologer that she often consulted. A PBS article about the death of the astrologer, Joan Quigley, says that neither President Reagan nor his wife ever admitted to using astrology to make policies or decisions. However, Quigley denied that. In the end, we’ll never know.

Astrology doesn’t give definite answers or predict the future. But it can help with the timing of things that we are trying to accomplish and guide us in other ways. Wouldn’t it be quite cinematic, if the astrology for this country could help undo the decades of damage done by America’s first actor president?

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Image Credit: ESA/NASA

Color Palette for Spring Using Astrology

color palette for spring with astrology

Here in New England, solar spring and meteorological spring have passed. The only thing left is the real deal. Astronomical spring (aka the true spring or vernal equinox) arrives in two weeks on March 20th. Yay! I am loving all the daylight now. It’s such a mood lifter.

On Twitter, I saw a meme that lets you create your own personal color palette for spring using your astrological placements. Since I love Pantone colors, spring and astrology, how could I not try it?

The meme uses the “Big Three” (your sun sign, moon sign, rising/ascendant sign) and Venus signs. If you want to find yours, you can easily do your chart for free on Chani Nicholas’ website. Generally our sun sign is considered our zodiac sign, but there is far more to astrology than that.

I’m a Virgo sun. Taurus rising, Scorpio moon and Venus is in Leo. The picture above shows my color palette for spring! I prefer the taste of peach and smell of lavender. For clothing, I have a lot of forest green and some of that shade of yellow. Not as fun (or frustrating) as Wordle, but I like it!

Will you try it?