1 00:00:00,120 --> 00:00:03,680 Speaker 1: Let's move into our Thursday segment, how to Money. Joel 2 00:00:03,720 --> 00:00:06,160 Speaker 1: lars Guard a host of how to Money Sunday twelve 3 00:00:06,280 --> 00:00:10,000 Speaker 1: two pm here on KFI. His address at how to 4 00:00:10,080 --> 00:00:13,440 Speaker 1: Money Joel and howdomoney dot com. 5 00:00:13,480 --> 00:00:15,480 Speaker 2: So that's Joel. I've pretty well. 6 00:00:15,520 --> 00:00:18,040 Speaker 1: Done it all, so you can earn all the bases, Yeah, 7 00:00:18,120 --> 00:00:21,640 Speaker 1: I certainly have. Okay, we've got a few things starting 8 00:00:21,680 --> 00:00:24,600 Speaker 1: to I want to start covering. 9 00:00:26,120 --> 00:00:26,840 Speaker 2: Chat bots. 10 00:00:27,520 --> 00:00:32,240 Speaker 1: Okay, you use chatbots and you're basically giving up all 11 00:00:32,280 --> 00:00:33,200 Speaker 1: of your information. 12 00:00:33,880 --> 00:00:36,200 Speaker 2: But my question is you do anyway? 13 00:00:37,320 --> 00:00:41,440 Speaker 1: So why would you be more concerned with chatbots than not? 14 00:00:42,680 --> 00:00:46,280 Speaker 3: Okay, so you're right, like I think, I am just interesting. 15 00:00:46,360 --> 00:00:49,320 Speaker 3: I mean, from a philosophical standpoint, it's just interesting that 16 00:00:49,680 --> 00:00:54,440 Speaker 3: chatbots are trained on material that other people have created 17 00:00:54,480 --> 00:00:57,760 Speaker 3: throughout the years, much of which has not really been 18 00:00:57,880 --> 00:01:00,640 Speaker 3: given permission. So that's why there's you know, flory of 19 00:01:00,720 --> 00:01:04,560 Speaker 3: lawsuits and deals partnerships being made with some of the 20 00:01:04,600 --> 00:01:07,839 Speaker 3: AI companies and large publishers like The New York Times. 21 00:01:08,319 --> 00:01:13,280 Speaker 3: But and obviously we know about like chatbots or turning 22 00:01:13,319 --> 00:01:16,280 Speaker 3: to artificial intelligence. We've talked about this before. You and 23 00:01:16,319 --> 00:01:19,480 Speaker 3: I about getting your financial advice. There there's some hallucinations, 24 00:01:19,480 --> 00:01:22,520 Speaker 3: there's some incorrect information. You have to be really careful 25 00:01:22,560 --> 00:01:26,039 Speaker 3: and oftentimes the best way to use AI is if 26 00:01:26,040 --> 00:01:27,920 Speaker 3: you already have a firm grasp of the subject and 27 00:01:27,959 --> 00:01:30,560 Speaker 3: you're kind of looking for additional help. But there was 28 00:01:30,600 --> 00:01:35,360 Speaker 3: this interesting article in The Verge about how Facebook, which 29 00:01:35,400 --> 00:01:38,520 Speaker 3: is known by Meta, is going to use your AI 30 00:01:38,680 --> 00:01:43,440 Speaker 3: chats that you do under their platform to personalize the 31 00:01:43,640 --> 00:01:48,480 Speaker 3: advertising that it serves up to you. And when you see, 32 00:01:48,520 --> 00:01:50,680 Speaker 3: I mean, we've all seen the trend too of people 33 00:01:50,720 --> 00:01:53,280 Speaker 3: getting a little more personal with some of these chatbots. 34 00:01:53,280 --> 00:01:56,760 Speaker 3: There are like chatbot boyfriends and girlfriends, which weirds me out. 35 00:01:56,840 --> 00:01:59,360 Speaker 4: But it's even hard to have them. That's really a thing. 36 00:01:59,400 --> 00:02:03,360 Speaker 3: But it really is people doing therapy with chatbots, which 37 00:02:03,400 --> 00:02:05,240 Speaker 3: has I think certain pros and cons. 38 00:02:05,520 --> 00:02:06,680 Speaker 4: And to think that all. 39 00:02:06,520 --> 00:02:09,400 Speaker 3: Of that stuff is going to be used then against 40 00:02:09,440 --> 00:02:12,280 Speaker 3: you to sell you stuff or to serve you at bads, 41 00:02:12,440 --> 00:02:14,680 Speaker 3: I guess it freaks me out. It feels like another 42 00:02:14,760 --> 00:02:15,840 Speaker 3: frontier that we're crossing. 43 00:02:16,720 --> 00:02:19,119 Speaker 2: It's weird. I mean, it's a couple of things. 44 00:02:19,280 --> 00:02:23,280 Speaker 1: Is every time I go on whatever website looking for information, 45 00:02:24,040 --> 00:02:27,839 Speaker 1: two things happen. Number One, I'm asked, can we use 46 00:02:27,919 --> 00:02:32,359 Speaker 1: your information for cookies? I will say yes, never got 47 00:02:32,360 --> 00:02:36,120 Speaker 1: a cookie from them, ever, say no, I know I'm 48 00:02:36,120 --> 00:02:37,760 Speaker 1: not going to get any cookies. By the way, that 49 00:02:37,840 --> 00:02:40,120 Speaker 1: is just a horrible joke that I wanted to share 50 00:02:40,120 --> 00:02:45,320 Speaker 1: with you. But I don't even know why we bother 51 00:02:45,440 --> 00:02:48,800 Speaker 1: at this point. And you're right, the AI has so 52 00:02:49,000 --> 00:02:54,280 Speaker 1: screwed up everything. Anybody who looks at AI for financial advice, 53 00:02:54,880 --> 00:02:57,200 Speaker 1: and I'm going to follow what a I has to say, 54 00:02:57,480 --> 00:03:01,119 Speaker 1: considering as you said, you got hallucinations where they make 55 00:03:01,200 --> 00:03:05,200 Speaker 1: stuff up. They'll talk about companies that don't exist that 56 00:03:05,320 --> 00:03:09,080 Speaker 1: somehow have interfered or influence. 57 00:03:09,200 --> 00:03:11,120 Speaker 2: The company that you're interested in. 58 00:03:12,680 --> 00:03:16,119 Speaker 1: Is are people being warned by the financial companies leave 59 00:03:16,160 --> 00:03:16,919 Speaker 1: this stuff alone? 60 00:03:17,600 --> 00:03:18,680 Speaker 2: Let the experts do this. 61 00:03:19,320 --> 00:03:22,640 Speaker 3: No, I not really, And like I think even some 62 00:03:22,680 --> 00:03:25,640 Speaker 3: of the financial companies are trying to be first to 63 00:03:25,760 --> 00:03:29,600 Speaker 3: adopt utilizing AI inside of their platforms, like Robinhood is 64 00:03:29,639 --> 00:03:32,480 Speaker 3: working on this right where you can get AI advice 65 00:03:32,720 --> 00:03:35,560 Speaker 3: on the spot about trades you're hoping to make or 66 00:03:35,640 --> 00:03:39,760 Speaker 3: financial advice that you're curious about. I was on chat 67 00:03:39,800 --> 00:03:43,280 Speaker 3: GBT recently and I was asking it about five twenty 68 00:03:43,360 --> 00:03:45,960 Speaker 3: nine accounts and tax breaks in a particular state, and 69 00:03:46,000 --> 00:03:48,000 Speaker 3: it was wrong. And I just knew that the information 70 00:03:48,040 --> 00:03:50,360 Speaker 3: that started up was wrong because I was familiar with it, 71 00:03:50,720 --> 00:03:53,360 Speaker 3: and it was just interesting to see that if you 72 00:03:53,440 --> 00:03:57,800 Speaker 3: took that as gospel truth from the AI, you might 73 00:03:58,040 --> 00:03:59,960 Speaker 3: miss out on some tax breaks otherwise would have got 74 00:04:00,200 --> 00:04:02,800 Speaker 3: and in a particular state because of that donation. So 75 00:04:02,840 --> 00:04:05,480 Speaker 3: it's just because of the money you contribute to that account, 76 00:04:05,680 --> 00:04:09,280 Speaker 3: and you just have to really be careful using I'm 77 00:04:09,320 --> 00:04:11,920 Speaker 3: also amazed by it, Like there's if you and I 78 00:04:12,040 --> 00:04:14,520 Speaker 3: haven't used AI a whole lot, I try to try 79 00:04:14,520 --> 00:04:16,640 Speaker 3: to limit my usage. I'm amazed at some of the 80 00:04:16,920 --> 00:04:18,599 Speaker 3: wonderful things that can spit out in the ways it 81 00:04:18,600 --> 00:04:22,800 Speaker 3: can be helpful, but it's truly a user beware situation, 82 00:04:22,880 --> 00:04:25,359 Speaker 3: and especially when the stakes are ramped up and you 83 00:04:25,360 --> 00:04:28,640 Speaker 3: could get served ads and be sold things based on 84 00:04:28,720 --> 00:04:32,040 Speaker 3: some of those private interactions that you didn't realize about 85 00:04:32,080 --> 00:04:35,960 Speaker 3: sensitive issues. We're going to then lead to product placement 86 00:04:36,279 --> 00:04:38,200 Speaker 3: that you can find yourself in a weird place as 87 00:04:38,200 --> 00:04:38,679 Speaker 3: a consumer. 88 00:04:38,720 --> 00:04:42,160 Speaker 1: There all right, Joel lars Guard How to Money every 89 00:04:42,160 --> 00:04:46,520 Speaker 1: Sunday twelve to two pm here on KFI and so 90 00:04:46,800 --> 00:04:51,240 Speaker 1: Here's what happens is Joel sends me ideas to talk 91 00:04:51,279 --> 00:04:54,080 Speaker 1: about because he thinks these are what's happening in the 92 00:04:54,120 --> 00:04:58,240 Speaker 1: world of finance and the economy. And I go, okay, 93 00:04:58,440 --> 00:05:01,240 Speaker 1: So the one that I really joy consumers have been 94 00:05:01,279 --> 00:05:04,920 Speaker 1: adopting bnpls into their lives. 95 00:05:06,200 --> 00:05:07,840 Speaker 4: Okay, I don't know what that means, right, I. 96 00:05:07,880 --> 00:05:12,599 Speaker 1: Have no idea what a bnpl is, none whatsoever. Okay, 97 00:05:13,040 --> 00:05:13,960 Speaker 1: how about telling. 98 00:05:13,720 --> 00:05:16,040 Speaker 4: Me maybe this is a generational thing. I don't know. 99 00:05:16,320 --> 00:05:18,200 Speaker 3: Uh, and I might be straddling it right in the 100 00:05:18,240 --> 00:05:20,920 Speaker 3: middle as an elder millennial. But by now, buy now, 101 00:05:20,920 --> 00:05:23,320 Speaker 3: pay later, is what you know about this? 102 00:05:23,400 --> 00:05:25,760 Speaker 2: Okay? All you have to do is say buy now, 103 00:05:25,839 --> 00:05:26,400 Speaker 2: pay later. 104 00:05:27,720 --> 00:05:30,360 Speaker 4: I like to abbreviate things, Bill, no kidding. 105 00:05:30,760 --> 00:05:34,039 Speaker 2: So now I sound like a moron, Thank you very much. Uh. 106 00:05:34,279 --> 00:05:35,279 Speaker 2: And I didn't have to. 107 00:05:35,440 --> 00:05:44,920 Speaker 1: Okay, we've been buying two consumers way too many bn LB's, bnlps, bnpls, bnpls. 108 00:05:44,960 --> 00:05:46,039 Speaker 4: That's right, Yeah, that too. 109 00:05:46,360 --> 00:05:48,119 Speaker 2: Yeah, and let's talk about that for a moment. 110 00:05:48,360 --> 00:05:50,760 Speaker 3: This is something I've been warning about for a long time, 111 00:05:50,920 --> 00:05:53,159 Speaker 3: and it's interesting, Like the it feels like the chickens 112 00:05:53,160 --> 00:05:54,880 Speaker 3: are coming home to roost, and I really don't want 113 00:05:54,880 --> 00:05:56,200 Speaker 3: to be the guy that says I told you so, 114 00:05:56,480 --> 00:05:59,359 Speaker 3: but I told you so and uh, And it seemed 115 00:05:59,360 --> 00:06:01,800 Speaker 3: like this harmless thing, like this new way to pay. 116 00:06:02,120 --> 00:06:03,440 Speaker 4: How bad could it really be? 117 00:06:04,320 --> 00:06:06,840 Speaker 3: And basically it was like, yeah, just break up is 118 00:06:07,080 --> 00:06:08,800 Speaker 3: like a modern version of layaway, but you get the 119 00:06:08,800 --> 00:06:10,839 Speaker 3: item when you want it, and then you pay for 120 00:06:10,920 --> 00:06:13,400 Speaker 3: it later after the fact. And guess what, you don't 121 00:06:13,400 --> 00:06:15,080 Speaker 3: pay interest like you would if you didn't pay your 122 00:06:15,080 --> 00:06:18,159 Speaker 3: credit card bill on time. So what's what's not to love? Well, 123 00:06:18,720 --> 00:06:21,400 Speaker 3: there are interestees if you don't make your payments on time. 124 00:06:21,440 --> 00:06:23,680 Speaker 3: They can be up to thirty six percent, even higher 125 00:06:24,000 --> 00:06:27,120 Speaker 3: than your average credit card interest rate. Then there can 126 00:06:27,200 --> 00:06:30,080 Speaker 3: be other fees if you don't make big payments on time, 127 00:06:30,120 --> 00:06:33,360 Speaker 3: as well, late fees, and so in addition to that, 128 00:06:33,400 --> 00:06:36,680 Speaker 3: you're just seeing a whole group of young consumers who 129 00:06:37,320 --> 00:06:40,279 Speaker 3: didn't really have the understanding of what they were getting 130 00:06:40,279 --> 00:06:43,599 Speaker 3: into start to just get used to buying stuff with 131 00:06:43,720 --> 00:06:45,680 Speaker 3: buy now, pay later, which is like klarna, an after 132 00:06:45,720 --> 00:06:48,720 Speaker 3: pay that you'll see when you're shopping at various websites. 133 00:06:48,440 --> 00:06:50,880 Speaker 4: And so they just say, yeah, I'm gonna get that new. 134 00:06:50,760 --> 00:06:52,680 Speaker 3: Handbag, I guess because I can pay for it for 135 00:06:52,800 --> 00:06:57,520 Speaker 3: easy installments, and the credit limits from buy now, pay 136 00:06:57,600 --> 00:06:59,880 Speaker 3: later companies are much higher than they have been for 137 00:07:00,360 --> 00:07:03,480 Speaker 3: credit cards traditionally, And so people are just giving themselves 138 00:07:03,480 --> 00:07:06,440 Speaker 3: into tons of trouble and they're ruining their finances from 139 00:07:06,440 --> 00:07:08,000 Speaker 3: something it seemed like it was kind of harmless and 140 00:07:08,040 --> 00:07:10,120 Speaker 3: ultimately was about as harmful as I said it was 141 00:07:10,120 --> 00:07:10,480 Speaker 3: going to be. 142 00:07:10,760 --> 00:07:13,160 Speaker 2: Well, you can say the same thing with credit cards. 143 00:07:13,960 --> 00:07:16,800 Speaker 1: You can know that are relatively harmless, except when you 144 00:07:16,840 --> 00:07:20,640 Speaker 1: start racking up the amount of money and making minimum payments. 145 00:07:20,320 --> 00:07:21,560 Speaker 2: And you're in a world of hurt. 146 00:07:21,920 --> 00:07:26,560 Speaker 1: But to your point about this being a generational and 147 00:07:27,120 --> 00:07:29,960 Speaker 1: as a kid when I was growing up and my 148 00:07:30,160 --> 00:07:33,320 Speaker 1: parents and in your case, your grandparents came out of 149 00:07:33,320 --> 00:07:37,120 Speaker 1: the depression and the thought of not paying for something 150 00:07:38,360 --> 00:07:42,640 Speaker 1: and paying late. Other than mortgages, you just bought stuff 151 00:07:42,960 --> 00:07:45,040 Speaker 1: and you paid for it in advance or you paid 152 00:07:45,040 --> 00:07:48,600 Speaker 1: for it right there, and it's just a it's just 153 00:07:48,640 --> 00:07:50,920 Speaker 1: a way of thinking where. 154 00:07:50,800 --> 00:07:52,000 Speaker 4: It's so old school though. 155 00:07:52,240 --> 00:07:56,520 Speaker 1: Yeah, and but you don't get in trouble, and yeah, 156 00:07:57,760 --> 00:08:04,000 Speaker 1: you live a weasonable life. Why are our parents my case, grandparents, 157 00:08:04,720 --> 00:08:08,080 Speaker 1: how come they have money and retired with money and 158 00:08:08,520 --> 00:08:09,560 Speaker 1: you're not going. 159 00:08:09,320 --> 00:08:12,200 Speaker 3: To right, Yeah, that's a huge part of it. And 160 00:08:12,240 --> 00:08:15,360 Speaker 3: you mentioned credit cards, and you're right, like something like 161 00:08:15,440 --> 00:08:18,680 Speaker 3: fifty percent of Americans use credit cards really poorly, like 162 00:08:18,720 --> 00:08:21,560 Speaker 3: they have a recurring balance. The average recurring credit card 163 00:08:21,600 --> 00:08:23,720 Speaker 3: balance is something like seven thousand dollars a month, and 164 00:08:23,720 --> 00:08:26,200 Speaker 3: you're paying twenty two percent interest on that balance. And 165 00:08:26,240 --> 00:08:28,920 Speaker 3: I am very very much against that. And I want people, 166 00:08:28,960 --> 00:08:31,520 Speaker 3: if they're going to use credit cards, to use them wisely. 167 00:08:31,560 --> 00:08:34,160 Speaker 3: And I guess potentially there's a way to use by 168 00:08:34,200 --> 00:08:37,120 Speaker 3: now pay later wisely. I just don't know what the 169 00:08:37,280 --> 00:08:39,880 Speaker 3: use case is for it. You're really just trying to 170 00:08:39,920 --> 00:08:42,200 Speaker 3: delay the pain, and with credit cards, you're not just 171 00:08:42,240 --> 00:08:44,840 Speaker 3: trying to delay the pain. You're actually there are other 172 00:08:44,960 --> 00:08:47,360 Speaker 3: reasons to use credit cards, for instance, right, there are 173 00:08:47,640 --> 00:08:50,080 Speaker 3: rewards that you can garner from using credit cards that 174 00:08:50,160 --> 00:08:52,120 Speaker 3: you don't get when you're using debit cards. There are 175 00:08:52,480 --> 00:08:55,000 Speaker 3: protections that you get when you use a credit card. 176 00:08:55,520 --> 00:08:58,719 Speaker 3: Let's say an item that you bought wasn't as advertised 177 00:08:58,800 --> 00:09:01,000 Speaker 3: or didn't get delivered. You can do a charge back 178 00:09:01,040 --> 00:09:03,000 Speaker 3: with the credit card company. You have legal rights when 179 00:09:03,000 --> 00:09:06,120 Speaker 3: you pay with a credit card, and there's even buy now, 180 00:09:06,160 --> 00:09:08,920 Speaker 3: pay later for travel is becoming more of a thing, 181 00:09:08,960 --> 00:09:11,040 Speaker 3: And there was this new nerd wallet study that found 182 00:09:11,080 --> 00:09:13,240 Speaker 3: something like one in five travelers you're planning on using 183 00:09:13,280 --> 00:09:16,480 Speaker 3: buy now, Paid later to spread out their payments for travel. Well, 184 00:09:17,080 --> 00:09:20,000 Speaker 3: you just you don't have the same recourse if your 185 00:09:20,000 --> 00:09:23,120 Speaker 3: travel it goes to hell, Like you just don't. And 186 00:09:23,480 --> 00:09:25,040 Speaker 3: so you have to be careful when you're using this 187 00:09:25,120 --> 00:09:26,080 Speaker 3: as a form of payment. 188 00:09:26,440 --> 00:09:29,920 Speaker 1: Yeah, my thing is that debit cards where I am 189 00:09:30,080 --> 00:09:34,480 Speaker 1: so adamantly against debit cards because first of all, you 190 00:09:34,520 --> 00:09:36,840 Speaker 1: have to have the money inside your account to use 191 00:09:36,880 --> 00:09:40,880 Speaker 1: a debit card. And to your point, let's say someone 192 00:09:40,960 --> 00:09:43,079 Speaker 1: hacks in there, or something is wrong or someone gets it. 193 00:09:43,320 --> 00:09:47,320 Speaker 1: That's your money you're chasing. Credit card company, is their 194 00:09:47,400 --> 00:09:48,480 Speaker 1: money you're chasing. 195 00:09:48,920 --> 00:09:49,880 Speaker 4: That's right, that's right. 196 00:09:49,880 --> 00:09:52,720 Speaker 1: And so if fraud happens and your your money is gone, 197 00:09:52,760 --> 00:09:54,640 Speaker 1: your money is gone. If fraud happens and you o 198 00:09:54,760 --> 00:09:57,920 Speaker 1: two thousand dollars on a bad or they say, yo, 199 00:09:58,040 --> 00:10:01,760 Speaker 1: two grand and someone as defrauded you, you're off the hook. 200 00:10:02,800 --> 00:10:05,400 Speaker 3: And if you can use your credit card like it 201 00:10:05,520 --> 00:10:08,040 Speaker 3: is a debit card, use it in that way where 202 00:10:08,040 --> 00:10:11,040 Speaker 3: you're only spending money that you actually have and you 203 00:10:11,120 --> 00:10:12,520 Speaker 3: keep yourself safe in that way. 204 00:10:12,880 --> 00:10:14,120 Speaker 4: Then I think credit. 205 00:10:13,840 --> 00:10:16,840 Speaker 3: Cards are that best of both worlds because of those protections, 206 00:10:16,880 --> 00:10:20,440 Speaker 3: because the benefits you get. But yeah, buy now, pay later, 207 00:10:20,520 --> 00:10:22,720 Speaker 3: it's literally just an attempt to be able to buy more. 208 00:10:22,880 --> 00:10:24,040 Speaker 4: And the retailers know this. 209 00:10:24,080 --> 00:10:26,319 Speaker 3: The reason they offer buy now, pay later upon checkout 210 00:10:27,000 --> 00:10:29,559 Speaker 3: is because people end up adding our stuff to the card. 211 00:10:29,559 --> 00:10:31,760 Speaker 3: People buy something like ten percent more if they have 212 00:10:31,800 --> 00:10:34,240 Speaker 3: a buy now, pay later option. So we are literally 213 00:10:34,240 --> 00:10:36,840 Speaker 3: consuming more because we have this at our disposal. And 214 00:10:36,920 --> 00:10:40,199 Speaker 3: then it's what we're hamstering ourselves and messing ourselves up 215 00:10:40,400 --> 00:10:41,760 Speaker 3: and harming our finances. 216 00:10:42,040 --> 00:10:45,200 Speaker 1: Yeah. Also, you have a new product that you use 217 00:10:45,320 --> 00:10:48,520 Speaker 1: and you've got five easy payments or three easy payments 218 00:10:48,559 --> 00:10:50,560 Speaker 1: over the course of the next six ones, and all 219 00:10:50,559 --> 00:10:52,720 Speaker 1: of a sudden, it's not as good as you thought 220 00:10:52,760 --> 00:10:56,960 Speaker 1: it was. Yeah, And now what you're paying for something 221 00:10:57,120 --> 00:11:00,839 Speaker 1: and you know, I just bought an air fright and 222 00:11:01,040 --> 00:11:03,200 Speaker 1: it was you know, I paid for as an Emerald 223 00:11:03,240 --> 00:11:06,280 Speaker 1: Leagasi or something, and it's, uh, it's a piece of 224 00:11:06,280 --> 00:11:08,880 Speaker 1: crap for me. What what am I doing here? You know, 225 00:11:09,040 --> 00:11:11,679 Speaker 1: it's just this. It got great reviews, and I think 226 00:11:11,679 --> 00:11:12,880 Speaker 1: the reviewers are all drunk. 227 00:11:13,360 --> 00:11:14,680 Speaker 2: In any case, I think. 228 00:11:14,520 --> 00:11:16,000 Speaker 4: The are overrated too. 229 00:11:16,800 --> 00:11:19,320 Speaker 2: Oh no, I love air friers. I a fright. Oh 230 00:11:19,440 --> 00:11:23,800 Speaker 2: yeah I air fry everything. Yeah. I love stuff air fried. 231 00:11:24,440 --> 00:11:25,880 Speaker 4: All right, don't have to give it another shot. 232 00:11:26,000 --> 00:11:29,120 Speaker 1: Yeah no, no, I I even air fry products that 233 00:11:29,200 --> 00:11:30,360 Speaker 1: say do not air fry. 234 00:11:31,080 --> 00:11:36,000 Speaker 2: It's just okay, Joel, Okay, we're done. 235 00:11:36,520 --> 00:11:37,280 Speaker 4: Sunday morning. 236 00:11:37,559 --> 00:11:39,560 Speaker 2: Uh well, Sunday afternoon, twelve to two. 237 00:11:40,160 --> 00:11:43,280 Speaker 1: Address social address at how to Money Joel and the 238 00:11:43,320 --> 00:11:45,480 Speaker 1: website howtomoney dot com. 239 00:11:46,040 --> 00:11:47,000 Speaker 2: Joel, you have a good one.