1 00:00:02,480 --> 00:00:05,560 Speaker 1: Wakes John Jay and Rich. 2 00:00:05,640 --> 00:00:08,400 Speaker 2: I'm like, what's cracking like? And this is the big 3 00:00:08,440 --> 00:00:11,360 Speaker 2: boss dove snoopy deagle double gigsel dang boom. 4 00:00:11,480 --> 00:00:12,200 Speaker 3: What you don't do? 5 00:00:13,600 --> 00:00:15,360 Speaker 4: We're not talking about rid and ten ta and we're 6 00:00:15,400 --> 00:00:16,520 Speaker 4: not talking about last year. 7 00:00:16,680 --> 00:00:17,720 Speaker 3: If the one and only. 8 00:00:17,560 --> 00:00:18,960 Speaker 1: Does y'all the glass last? 9 00:00:19,040 --> 00:00:21,239 Speaker 5: The big smooth eagle double jib in your face to 10 00:00:21,320 --> 00:00:22,639 Speaker 5: me and in the place to be. 11 00:00:22,840 --> 00:00:25,439 Speaker 2: And you're listening to John Jay and Rich wake you as. 12 00:00:26,160 --> 00:00:29,160 Speaker 3: John Jay and Rich call us at eight seven seven 13 00:00:29,240 --> 00:00:31,880 Speaker 3: nine three seven one oh four seven or text us 14 00:00:32,040 --> 00:00:35,400 Speaker 3: text j j R. Whatever's on your mind to nine 15 00:00:35,440 --> 00:00:37,040 Speaker 3: six eight nine three. You got to put the jj 16 00:00:37,159 --> 00:00:38,559 Speaker 3: R in front of it or we won't get it. 17 00:00:38,600 --> 00:00:39,959 Speaker 2: So J j R. What if you want to say 18 00:00:39,960 --> 00:00:41,080 Speaker 2: to nine six eight ninety three. 19 00:00:41,479 --> 00:00:44,800 Speaker 3: I got a text on my phone I've talked about 20 00:00:44,800 --> 00:00:47,800 Speaker 3: to my childhood friends, my friend Greg, my friend Mike, 21 00:00:47,880 --> 00:00:50,520 Speaker 3: Mike Pistrian, Greg Patterson right yep in a group chat 22 00:00:50,560 --> 00:00:53,600 Speaker 3: with both these fools my entire life. And they always 23 00:00:53,640 --> 00:00:55,560 Speaker 3: invide me out all the time, and I never go. 24 00:00:55,640 --> 00:00:58,920 Speaker 3: And it's Greg's birthday like a day, yeah, like yeah, 25 00:00:58,960 --> 00:01:02,880 Speaker 3: in a day. I got this text and By the way, 26 00:01:02,880 --> 00:01:04,759 Speaker 3: they always InVID me the concerts and I know everyone 27 00:01:04,800 --> 00:01:06,039 Speaker 3: to go, and I'm gonna do that for a living. 28 00:01:06,080 --> 00:01:07,319 Speaker 2: I don't want you. I don't want to go here 29 00:01:07,360 --> 00:01:09,000 Speaker 2: to concerts, right, but I know they just want you 30 00:01:09,040 --> 00:01:10,400 Speaker 2: to hang out with them. Yeah. 31 00:01:10,520 --> 00:01:12,080 Speaker 3: They always try to go to lunch all the time, 32 00:01:12,319 --> 00:01:15,120 Speaker 3: you know, anyway, and they're great guys, but you know, 33 00:01:15,560 --> 00:01:19,120 Speaker 3: I need my space. Greg sends me this text, Dude, 34 00:01:21,240 --> 00:01:24,000 Speaker 3: one day, your best friend in the world is going 35 00:01:24,040 --> 00:01:26,720 Speaker 3: to be one year older. I'm not getting any younger. 36 00:01:27,400 --> 00:01:31,039 Speaker 3: I'm morbidly obese, I have heart disease and diabetes. I 37 00:01:31,080 --> 00:01:33,559 Speaker 3: may not be around that much longer. And when I'm gone, 38 00:01:33,560 --> 00:01:36,600 Speaker 3: we can't go to concerts together. Van As. You should 39 00:01:36,640 --> 00:01:39,240 Speaker 3: go to at least one effing concert with us a year, dude, 40 00:01:39,680 --> 00:01:41,560 Speaker 3: Or let's go see a show in Vegas like ACDC. 41 00:01:42,800 --> 00:01:46,200 Speaker 2: I don't want to go Greg in heaven. I hope 42 00:01:46,240 --> 00:01:49,040 Speaker 2: you get lots of concerts. You won't miss them as 43 00:01:49,080 --> 00:01:50,120 Speaker 2: much because you're not around them. 44 00:01:51,040 --> 00:01:53,919 Speaker 5: Spend time with you and make memories. 45 00:01:54,520 --> 00:01:56,960 Speaker 3: I have you as funny. A whole bunch of us 46 00:01:57,000 --> 00:01:59,440 Speaker 3: that grew up together and channeler went to a concert. 47 00:01:59,600 --> 00:02:02,480 Speaker 3: What I think thought was not that long ago, and 48 00:02:02,760 --> 00:02:05,000 Speaker 3: pictures pop up in my memories of this concert and 49 00:02:05,040 --> 00:02:05,920 Speaker 3: everyone shares them. 50 00:02:06,200 --> 00:02:07,040 Speaker 2: It was ten years. 51 00:02:06,920 --> 00:02:13,679 Speaker 3: Ago, happy. 52 00:02:14,320 --> 00:02:15,840 Speaker 2: Out talking about you. 53 00:02:16,960 --> 00:02:18,680 Speaker 3: I do get text from him every day saying you're 54 00:02:18,680 --> 00:02:20,040 Speaker 3: playing Alex Warren again. 55 00:02:20,960 --> 00:02:26,559 Speaker 2: Yeah, Greg smash. Anyway, what's the update on you, Kyle. 56 00:02:26,480 --> 00:02:29,560 Speaker 3: And your marriage and your quote unquote since we're talking 57 00:02:29,560 --> 00:02:32,480 Speaker 3: about the doomsday clock yesterday death book? 58 00:02:32,800 --> 00:02:36,040 Speaker 1: Okay, So I shared with you guys when my stepdad 59 00:02:36,040 --> 00:02:38,440 Speaker 1: passed away a couple of years ago. Seeing what my 60 00:02:38,520 --> 00:02:42,240 Speaker 1: mom had to go through after, you know, her husband 61 00:02:42,240 --> 00:02:44,480 Speaker 1: passed away, it was like very eye opening, like oh 62 00:02:44,480 --> 00:02:46,040 Speaker 1: my gosh, Like we got to get some of these 63 00:02:46,080 --> 00:02:48,480 Speaker 1: things in order, because if my husband were to pass 64 00:02:48,520 --> 00:02:52,280 Speaker 1: away for whatever reason, I would be like totally lost, 65 00:02:52,600 --> 00:02:54,000 Speaker 1: and you want to be prepared for that. So I 66 00:02:54,000 --> 00:02:55,679 Speaker 1: told you guys that I wanted to do a death 67 00:02:55,680 --> 00:02:58,120 Speaker 1: book and that would have all of our passwords in it, 68 00:02:58,200 --> 00:02:59,880 Speaker 1: all of the account information in it. 69 00:03:00,160 --> 00:03:02,919 Speaker 5: Everything would be in one book, easy to find. Right. 70 00:03:03,520 --> 00:03:06,520 Speaker 1: Well, I have purchased a death book, by the way 71 00:03:06,520 --> 00:03:09,960 Speaker 1: they sell them, they do. I was originally I had 72 00:03:09,960 --> 00:03:12,320 Speaker 1: gotten a folder and I was like just gonna make 73 00:03:12,360 --> 00:03:15,639 Speaker 1: it myself and then that didn't happen. So I'm like, okay, 74 00:03:16,000 --> 00:03:18,639 Speaker 1: let's see what the internet has, and they have them. 75 00:03:18,680 --> 00:03:21,480 Speaker 1: So I have purchased a death book. Have I filled 76 00:03:21,480 --> 00:03:22,280 Speaker 1: any of it out yet? 77 00:03:22,720 --> 00:03:22,880 Speaker 3: No? 78 00:03:23,200 --> 00:03:24,000 Speaker 2: Is it fun looking? 79 00:03:24,560 --> 00:03:27,880 Speaker 5: It's black, which is. 80 00:03:27,760 --> 00:03:30,600 Speaker 3: When my wife was going to have her hysterect to me, 81 00:03:30,680 --> 00:03:32,440 Speaker 3: she gave me all these folders and all this stuff. 82 00:03:32,440 --> 00:03:34,320 Speaker 3: She was incasionally happens she goes, here's where everything is, 83 00:03:34,320 --> 00:03:35,440 Speaker 3: and you were like, that's the death book. 84 00:03:35,480 --> 00:03:37,760 Speaker 5: Yeah, she's already got it done. That's amazing. 85 00:03:38,280 --> 00:03:41,120 Speaker 1: But so my husband we've been married for thirteen years. 86 00:03:41,160 --> 00:03:43,600 Speaker 1: It'll be fourteen years in August, which is like, it's 87 00:03:43,800 --> 00:03:46,320 Speaker 1: that's that's a milestone, right. I guess every year is 88 00:03:46,320 --> 00:03:49,400 Speaker 1: a milestone. But every year I don't have the death 89 00:03:49,400 --> 00:03:51,920 Speaker 1: book completed, I get a little more stressed out. And 90 00:03:52,000 --> 00:03:55,400 Speaker 1: so yesterday we did something that we have not done 91 00:03:55,440 --> 00:03:59,400 Speaker 1: our entire relationship, and we got a bank account together. Wow. 92 00:04:00,760 --> 00:04:04,120 Speaker 1: And so our names are now on each other's bank accounts, 93 00:04:04,160 --> 00:04:07,000 Speaker 1: which is like, we still have our separate bank accounts, 94 00:04:07,280 --> 00:04:10,240 Speaker 1: but our names are just on each other's now, which 95 00:04:10,280 --> 00:04:12,480 Speaker 1: is a big step because if one of us croaks, 96 00:04:12,560 --> 00:04:14,160 Speaker 1: it's going to be a lot easier on that other 97 00:04:14,200 --> 00:04:16,120 Speaker 1: person to access good files. 98 00:04:16,240 --> 00:04:18,400 Speaker 3: How does it work when you have like I've only 99 00:04:18,480 --> 00:04:20,159 Speaker 3: I've been married a long time and we you know, 100 00:04:20,200 --> 00:04:22,479 Speaker 3: we both started together, my wife and I, so everything's 101 00:04:22,480 --> 00:04:25,120 Speaker 3: always been joint. But when you share a joint bank account, 102 00:04:25,200 --> 00:04:26,760 Speaker 3: do you have to put a certain amount of money 103 00:04:26,800 --> 00:04:28,920 Speaker 3: in a month or it doesn't matter? 104 00:04:29,200 --> 00:04:32,159 Speaker 1: We we really just are probably going to keep doing 105 00:04:32,200 --> 00:04:35,440 Speaker 1: everything the same financially, Like there's certain things that he 106 00:04:35,640 --> 00:04:37,760 Speaker 1: pays for, and there's certain things that I pay for, 107 00:04:37,960 --> 00:04:39,599 Speaker 1: and then like you know. 108 00:04:39,720 --> 00:04:42,839 Speaker 5: We just together, everything's quote unquote our money. 109 00:04:42,920 --> 00:04:45,440 Speaker 2: But it's not like we're like, oh, hey, we put 110 00:04:45,440 --> 00:04:47,160 Speaker 2: five hundred bucks in, you put five hundred bucks in. 111 00:04:47,360 --> 00:04:49,320 Speaker 1: Yeah, we had to put like a starter amount in 112 00:04:49,600 --> 00:04:52,040 Speaker 1: just to open it up. But it's not like we 113 00:04:52,080 --> 00:04:53,920 Speaker 1: didn't say, like you have to put in this amount 114 00:04:53,920 --> 00:04:55,479 Speaker 1: every month, and I have to put in this amount 115 00:04:55,520 --> 00:04:57,920 Speaker 1: every month. It's more so just getting each other on 116 00:04:57,960 --> 00:05:01,520 Speaker 1: the account. Oh, just catch because if I were to 117 00:05:01,560 --> 00:05:03,960 Speaker 1: pass away, he would not have access to any of 118 00:05:03,960 --> 00:05:05,320 Speaker 1: my bank accounts. 119 00:05:04,880 --> 00:05:07,440 Speaker 2: But he can through this. Yes, So if you have one. 120 00:05:07,360 --> 00:05:08,720 Speaker 5: Joint actually we haven't done mine yet. 121 00:05:08,720 --> 00:05:10,520 Speaker 1: We have to go to my bank, but we did 122 00:05:10,560 --> 00:05:12,839 Speaker 1: his bank and now I'm on all of his accounts 123 00:05:13,160 --> 00:05:15,600 Speaker 1: and so now we have to go to my bank. 124 00:05:17,120 --> 00:05:24,440 Speaker 5: But but it's like important because no, I need him. 125 00:05:24,800 --> 00:05:26,880 Speaker 1: You guys know how much he does for our family, 126 00:05:26,920 --> 00:05:30,400 Speaker 1: Like I definitely need him, he needs I need him 127 00:05:30,400 --> 00:05:33,760 Speaker 1: more than he needs me quite on. But yeah, so 128 00:05:33,839 --> 00:05:36,400 Speaker 1: to me, that was a very big step in starting 129 00:05:36,440 --> 00:05:38,680 Speaker 1: the death book. Now we at least have each other's 130 00:05:38,760 --> 00:05:40,720 Speaker 1: names on there. Now we got to do like the 131 00:05:40,760 --> 00:05:43,440 Speaker 1: cable and like fill out the accounts and passwords and 132 00:05:43,480 --> 00:05:45,160 Speaker 1: stuff like that, because I really don't want to have 133 00:05:45,200 --> 00:05:46,000 Speaker 1: to chop his finger off. 134 00:05:46,160 --> 00:05:48,840 Speaker 5: But you know, his password on his phone, you know 135 00:05:48,880 --> 00:05:49,880 Speaker 5: what I mean, get it. 136 00:05:50,400 --> 00:05:52,080 Speaker 1: I always forget my passwords and I have to go 137 00:05:52,120 --> 00:05:54,080 Speaker 1: to my password manager. Well he's not going to be 138 00:05:54,120 --> 00:05:56,160 Speaker 1: able to do that if I don't write it down somewhere. 139 00:05:56,240 --> 00:06:00,920 Speaker 3: So about bank accounts and stuff, and try to teach 140 00:06:00,920 --> 00:06:02,719 Speaker 3: all three of my kids that stuff. But you know, 141 00:06:02,760 --> 00:06:04,240 Speaker 3: as you kind of go on, you forget about the 142 00:06:04,240 --> 00:06:06,240 Speaker 3: third kid, you know, Dutch, like whatever, he's kind of 143 00:06:06,240 --> 00:06:09,040 Speaker 3: surviving doing his thing. But the first kid, Jake, we 144 00:06:09,040 --> 00:06:11,200 Speaker 3: were teaching everything and he has a bank account and 145 00:06:11,240 --> 00:06:11,799 Speaker 3: saving his acount. 146 00:06:11,800 --> 00:06:12,560 Speaker 2: He saved up a lot him. 147 00:06:12,600 --> 00:06:14,440 Speaker 3: He had a great job over the summer in the internship, 148 00:06:14,760 --> 00:06:17,000 Speaker 3: and he got he got his tax whatever you call it, 149 00:06:17,040 --> 00:06:20,400 Speaker 3: and he went to Rocket no TurboTax. He went to 150 00:06:20,400 --> 00:06:23,440 Speaker 3: the website TurboTax and filled it all out last night. 151 00:06:23,600 --> 00:06:25,320 Speaker 2: Dude's getting back twelve hundred. 152 00:06:25,040 --> 00:06:29,440 Speaker 5: Dollars, getting a lot more money. 153 00:06:29,240 --> 00:06:31,360 Speaker 2: Back, coming back twelve hundred dollars. 154 00:06:31,560 --> 00:06:32,400 Speaker 5: To do with it. 155 00:06:32,480 --> 00:06:34,120 Speaker 2: I never got that much money back. 156 00:06:34,920 --> 00:06:36,320 Speaker 3: He wants to invest, and he wants to play the 157 00:06:36,360 --> 00:06:39,760 Speaker 3: stock market. He plays the stock market every day with 158 00:06:39,800 --> 00:06:41,840 Speaker 3: fake money. Like he's obsessed with takes notes and he 159 00:06:41,839 --> 00:06:43,440 Speaker 3: has a whole thing. So he's like, maybe I can 160 00:06:43,560 --> 00:06:44,279 Speaker 3: use real money. 161 00:06:44,360 --> 00:06:45,960 Speaker 5: Yeah, make that money, make money. 162 00:06:46,400 --> 00:06:50,920 Speaker 2: According to him, right now, what he buys is gold. 163 00:06:51,800 --> 00:06:54,640 Speaker 4: I actually just saw something on like my mom Facebook 164 00:06:54,680 --> 00:06:58,000 Speaker 4: group that gold is going for like five grand for 165 00:06:58,040 --> 00:07:02,760 Speaker 4: a super small amount gold and silver is like insane. 166 00:07:02,400 --> 00:07:06,120 Speaker 1: Okay, do you guys see those commercials for silver? Like 167 00:07:06,160 --> 00:07:08,880 Speaker 1: I see commercials for like buying silver a lot, and 168 00:07:08,920 --> 00:07:11,520 Speaker 1: I'm like, who's running the ads for silver? Like who's 169 00:07:11,520 --> 00:07:14,160 Speaker 1: in charge of the silver, who's the marketing team for that? 170 00:07:14,240 --> 00:07:16,320 Speaker 4: That seems odd to me, right, I guess I'll like, 171 00:07:16,360 --> 00:07:18,680 Speaker 4: goot the Silver and Gold companies right now, this is 172 00:07:18,680 --> 00:07:20,000 Speaker 4: the word. 173 00:07:19,720 --> 00:07:23,120 Speaker 2: Veteran actor character actor Ron Silver that. 174 00:07:23,120 --> 00:07:26,440 Speaker 4: They're not even they're only selling, they're not buying because 175 00:07:26,480 --> 00:07:27,400 Speaker 4: it's so expensive. 176 00:07:28,160 --> 00:07:30,360 Speaker 5: Interesting. I know investment talk. 177 00:07:30,520 --> 00:07:32,360 Speaker 3: Yeah, man, as we do, we're gonna have a financial 178 00:07:32,400 --> 00:07:34,960 Speaker 3: segment and the financial guys. I know a financial guy 179 00:07:34,960 --> 00:07:36,200 Speaker 3: should call him. He'll be like, you know what, you 180 00:07:36,240 --> 00:07:37,320 Speaker 3: guys should never talk about. 181 00:07:37,160 --> 00:07:41,440 Speaker 2: The financial I don't have a financial I just know 182 00:07:41,560 --> 00:07:44,160 Speaker 2: financial guy family fest. 183 00:07:44,200 --> 00:07:48,800 Speaker 1: I know every financial person listening right now is probably screaming. 184 00:07:49,960 --> 00:07:51,400 Speaker 5: Right now, you sound so dumb. 185 00:07:52,440 --> 00:07:55,160 Speaker 3: I was talking about sports, sports and financial stuff. 186 00:07:55,320 --> 00:07:58,800 Speaker 2: No, and honestly relationships tohip. 187 00:07:58,840 --> 00:08:02,680 Speaker 3: Okay, they're right, that's some pretty successful relationships on this show. 188 00:08:03,600 --> 00:08:06,880 Speaker 3: You gotta keep in mind, I've bought restaurants and they've closed, 189 00:08:08,040 --> 00:08:13,360 Speaker 3: like immediately, So that's what I said. Anyway, text us 190 00:08:13,360 --> 00:08:15,920 Speaker 3: text jj R with your financial advice to nine six 191 00:08:15,920 --> 00:08:16,480 Speaker 3: eight ninety three