1 00:00:00,520 --> 00:00:09,200 Speaker 1: You're listening to kf I A M six forty on demand. 2 00:00:14,760 --> 00:00:24,239 Speaker 2: Now it's time to get on Saturday. She goes into 3 00:00:24,400 --> 00:00:31,160 Speaker 2: detail on a topic. Sure understand, it's. 4 00:00:32,479 --> 00:00:39,320 Speaker 3: Time on topics. Wait, Jimney Senior something from Kifney's d 5 00:00:41,640 --> 00:00:43,080 Speaker 3: did on. 6 00:00:46,640 --> 00:00:48,960 Speaker 2: Somethings from Jiffney's. 7 00:00:48,440 --> 00:00:55,560 Speaker 3: Deeper Dies Dived on topics with Jiffney A Senior learn 8 00:00:55,760 --> 00:00:59,279 Speaker 3: somethings from Jiffney's Deeper Josh. 9 00:00:59,320 --> 00:01:02,000 Speaker 4: Has he Hey if I am six forty live everywhere 10 00:01:02,000 --> 00:01:05,000 Speaker 4: on the iHeartRadio app, I am Tiffany Hobbs filling in 11 00:01:05,040 --> 00:01:08,800 Speaker 4: here until four pm for Andy Reismeyer. And this is 12 00:01:08,920 --> 00:01:13,160 Speaker 4: our Deeper Dives segment, brought to you by that wonderful 13 00:01:13,319 --> 00:01:18,479 Speaker 4: tune from Eric Lesardo, who is always so gracious and 14 00:01:18,600 --> 00:01:22,160 Speaker 4: so available and made that for us and I love it. 15 00:01:22,200 --> 00:01:25,120 Speaker 4: I hope you do too. Let's jump into our Deeper 16 00:01:25,160 --> 00:01:31,759 Speaker 4: Dives segment. Living in Los Angeles is expensive. Everyone knows that. Again, 17 00:01:31,800 --> 00:01:34,680 Speaker 4: we were talking about tariffs, we were talking about sticker shock. 18 00:01:35,040 --> 00:01:37,360 Speaker 2: I mentioned the price of wine going up. 19 00:01:37,920 --> 00:01:41,399 Speaker 4: But that's just one of many, many, many examples of 20 00:01:41,440 --> 00:01:45,919 Speaker 4: the expenses that we incur on the daily, weekly, monthly, yearly, 21 00:01:46,600 --> 00:01:52,360 Speaker 4: and Earlier this year, a group of people online decided 22 00:01:52,400 --> 00:01:55,640 Speaker 4: that they were going to start a trend, and they 23 00:01:55,720 --> 00:01:59,640 Speaker 4: hoped that more people would involve themselves in it, that 24 00:01:59,640 --> 00:02:01,320 Speaker 4: they would participate as well. 25 00:02:01,320 --> 00:02:02,680 Speaker 2: There are a lot of trends online. 26 00:02:02,840 --> 00:02:08,120 Speaker 4: Some are downrights stupid and Darwinism loves it, and then 27 00:02:08,160 --> 00:02:11,520 Speaker 4: there are others that are more or less helpful. I 28 00:02:11,520 --> 00:02:13,960 Speaker 4: think I'm hearing something in the background there, Mario. But 29 00:02:14,400 --> 00:02:19,160 Speaker 4: this particular trend is called the no buy trend, and 30 00:02:19,200 --> 00:02:23,440 Speaker 4: that no by trend is supposed to be a departure 31 00:02:23,600 --> 00:02:28,800 Speaker 4: from the daily consumerism that we involve ourselves in. And 32 00:02:28,880 --> 00:02:32,359 Speaker 4: I don't know how you can depart from daily consumerism, 33 00:02:32,440 --> 00:02:36,320 Speaker 4: but these people decided that they were certainly going to try. 34 00:02:36,760 --> 00:02:38,960 Speaker 4: And before we get into the how they did it 35 00:02:39,080 --> 00:02:41,360 Speaker 4: or how they're doing it as twenty twenty five still 36 00:02:41,400 --> 00:02:43,760 Speaker 4: has a month and a half out, let's do a 37 00:02:43,960 --> 00:02:47,680 Speaker 4: little deeper dive into some of the metrics about our 38 00:02:48,000 --> 00:02:52,560 Speaker 4: spending habits right here at home in California now, according 39 00:02:52,639 --> 00:02:56,680 Speaker 4: to so far, not the Stadium, but the Consumer Bank, 40 00:02:57,040 --> 00:03:00,120 Speaker 4: as of twenty twenty four, the average cost of living 41 00:03:00,160 --> 00:03:04,880 Speaker 4: in California tops out at about sixty four thousand, eight 42 00:03:05,000 --> 00:03:09,800 Speaker 4: hundred and thirty five dollars per year. That's the average 43 00:03:10,000 --> 00:03:14,840 Speaker 4: cost of living, not the average salary, not the average 44 00:03:16,080 --> 00:03:21,000 Speaker 4: insurance premium for a family. No, this is the average 45 00:03:21,120 --> 00:03:26,320 Speaker 4: cost of living for an individual in California top to 46 00:03:26,360 --> 00:03:30,079 Speaker 4: bottom sixty eight hundred and thirty four dollars, which when 47 00:03:30,080 --> 00:03:33,520 Speaker 4: broken down further amounts to about five four hundred and 48 00:03:33,560 --> 00:03:37,280 Speaker 4: three dollars per month the average. Of course, there are 49 00:03:37,360 --> 00:03:41,280 Speaker 4: higher higher expenditures. Of course, there are some of us 50 00:03:41,280 --> 00:03:43,800 Speaker 4: who are maybe able to survive on less than that, 51 00:03:43,840 --> 00:03:46,840 Speaker 4: but the average is a lot, and of course it 52 00:03:46,960 --> 00:03:53,760 Speaker 4: includes your mortgage, your rent, utilities, food, extras, surprises, maybe 53 00:03:53,840 --> 00:03:58,320 Speaker 4: not all surprises, but it's a lot. When people visit 54 00:03:58,520 --> 00:04:00,800 Speaker 4: California and obvious sleep people do. 55 00:04:00,880 --> 00:04:03,440 Speaker 2: They love it here. They visit regularly. 56 00:04:04,040 --> 00:04:06,360 Speaker 4: One of the things that people do is they go 57 00:04:06,520 --> 00:04:10,320 Speaker 4: online or they ask their friends what should I bring? 58 00:04:10,480 --> 00:04:13,840 Speaker 4: How much should I bring? They bring their clothes, they 59 00:04:13,840 --> 00:04:16,440 Speaker 4: bring their trinkets, and then they say how much money 60 00:04:16,480 --> 00:04:20,520 Speaker 4: do I need to survive daily during my trip to California? 61 00:04:20,920 --> 00:04:26,280 Speaker 4: And online answers average between forty dollars and sixty dollars, 62 00:04:26,320 --> 00:04:28,760 Speaker 4: and that's average for some that might be on the 63 00:04:28,800 --> 00:04:31,640 Speaker 4: low end, but that's for people who are eating out. 64 00:04:32,000 --> 00:04:36,120 Speaker 4: That's not even necessarily including entertainment. But forty to sixty 65 00:04:36,200 --> 00:04:39,920 Speaker 4: dollars and not spending forty to sixty dollars per day 66 00:04:40,320 --> 00:04:44,200 Speaker 4: is what the no by twenty twenty five trend wants 67 00:04:44,279 --> 00:04:49,520 Speaker 4: you to do. It wants to fight against consumerism. It 68 00:04:49,560 --> 00:04:52,360 Speaker 4: wants to convince you that you don't need to purchase 69 00:04:52,760 --> 00:04:54,440 Speaker 4: more and more and more. 70 00:04:55,080 --> 00:04:55,359 Speaker 2: Now. 71 00:04:55,680 --> 00:04:58,799 Speaker 4: It's a difficult trend, but those who are partaking say 72 00:04:58,839 --> 00:05:03,080 Speaker 4: that it is in empowering to follow it, and that 73 00:05:03,200 --> 00:05:06,600 Speaker 4: those who are in it have cut down on unnecessary 74 00:05:06,720 --> 00:05:10,359 Speaker 4: purchases and have been able to save money and pay 75 00:05:10,520 --> 00:05:14,440 Speaker 4: off debt. Their social media groups that boast tens of 76 00:05:14,520 --> 00:05:19,760 Speaker 4: thousands of members who say that they're participating in this now. 77 00:05:19,760 --> 00:05:22,840 Speaker 4: They still have to pay their regular bills, their main bills, 78 00:05:22,880 --> 00:05:24,760 Speaker 4: they have to have the roof over their head, pay 79 00:05:24,800 --> 00:05:28,880 Speaker 4: for their vehicle whatever it may be, insurance, groceries, but 80 00:05:28,920 --> 00:05:31,680 Speaker 4: they're saying when it comes to the no buy, they're 81 00:05:31,720 --> 00:05:34,760 Speaker 4: not buying anything they don't need now. 82 00:05:34,839 --> 00:05:35,880 Speaker 2: Need is subjective. 83 00:05:36,040 --> 00:05:39,479 Speaker 4: You might think you need those new shoes, but the 84 00:05:39,560 --> 00:05:42,320 Speaker 4: no by trend is saying you don't that you can 85 00:05:42,400 --> 00:05:45,160 Speaker 4: make good on what you have, and the only things 86 00:05:45,160 --> 00:05:49,000 Speaker 4: that you should be paying for are the barest of necessities. 87 00:05:50,000 --> 00:05:53,360 Speaker 4: One of these participators says it has helped them get 88 00:05:53,400 --> 00:05:58,360 Speaker 4: their spending under control. It's helped them stopped compulsively buying things. 89 00:05:58,400 --> 00:06:02,680 Speaker 4: It's helped the Amazon packages stop arriving left and right 90 00:06:02,720 --> 00:06:06,120 Speaker 4: at their doorstep. It says, it helped them break those 91 00:06:06,240 --> 00:06:10,240 Speaker 4: habits by going into a no buy challenge. They're not 92 00:06:10,320 --> 00:06:15,359 Speaker 4: buying clothing, beauty products, perfume, jewelry, technology, home decor or books. 93 00:06:15,560 --> 00:06:19,400 Speaker 4: Goes right against the Christmas trend. I was just encouraging 94 00:06:19,440 --> 00:06:21,680 Speaker 4: all of us to participate in go out and get 95 00:06:21,720 --> 00:06:26,240 Speaker 4: yourself a traditional Christmas tree and decorations. They're saying, don't 96 00:06:26,360 --> 00:06:30,880 Speaker 4: do that if you're participating in No Buy twenty twenty five. 97 00:06:31,640 --> 00:06:35,960 Speaker 4: They're also only allowing themselves to order takeout, perhaps maybe 98 00:06:36,000 --> 00:06:39,359 Speaker 4: once a month. Those are some of the extras. There's 99 00:06:39,400 --> 00:06:42,200 Speaker 4: wiggle room in this trend. But again, the trend is 100 00:06:42,240 --> 00:06:45,760 Speaker 4: supposed to push you toward not buying unnecessary things, of 101 00:06:45,800 --> 00:06:48,119 Speaker 4: which many of you might be saying, that's not a trend. 102 00:06:48,240 --> 00:06:49,599 Speaker 2: That's how I live my life. 103 00:06:49,640 --> 00:06:52,920 Speaker 4: But for some people, they don't live that way they 104 00:06:52,920 --> 00:06:57,160 Speaker 4: are high consumers. Some people might consider this trend as 105 00:06:57,200 --> 00:07:00,640 Speaker 4: a bit extreme. They might call it stressful, but those 106 00:07:00,680 --> 00:07:04,800 Speaker 4: who are participating say, what's more stressful, participating in a 107 00:07:04,839 --> 00:07:07,960 Speaker 4: no by trend or having exorbitant debt? 108 00:07:08,360 --> 00:07:09,640 Speaker 2: They say it again, it's helped. 109 00:07:09,480 --> 00:07:13,840 Speaker 4: Them pay off things like student loans and online there 110 00:07:13,880 --> 00:07:19,520 Speaker 4: are tons of individuals lamenting how this trend has saved 111 00:07:19,720 --> 00:07:24,560 Speaker 4: their lives, saved their marriages, helped empower and strengthen their families. 112 00:07:25,240 --> 00:07:27,080 Speaker 4: If you want to involve yourself in this, you don't 113 00:07:27,080 --> 00:07:29,640 Speaker 4: have to join a social group or social media. 114 00:07:29,760 --> 00:07:30,880 Speaker 2: You can just do it. 115 00:07:30,920 --> 00:07:33,920 Speaker 4: And even though it started back in January, some people 116 00:07:34,000 --> 00:07:38,880 Speaker 4: are jumping in now. There's something called no Spend November, 117 00:07:39,320 --> 00:07:41,760 Speaker 4: and while we're a little over halfway through the month, 118 00:07:42,040 --> 00:07:45,400 Speaker 4: I'm going to tell you what no Spend November is 119 00:07:46,040 --> 00:07:50,040 Speaker 4: and how it aims to help you with your finances 120 00:07:50,160 --> 00:07:52,600 Speaker 4: this month, and perhaps if you want to continue it 121 00:07:52,640 --> 00:07:55,120 Speaker 4: through the rest of the year. I'll tell you more 122 00:07:55,120 --> 00:07:57,800 Speaker 4: about that in the conclusion of our deeper dive segment 123 00:07:57,960 --> 00:08:00,400 Speaker 4: on the other side of the break in a little while, 124 00:08:00,560 --> 00:08:03,520 Speaker 4: we might even take some calls about what you're doing 125 00:08:03,560 --> 00:08:05,600 Speaker 4: today in the rain is it raining where you're at. 126 00:08:05,960 --> 00:08:08,080 Speaker 4: Maybe we'll take a few live calls that'd be after 127 00:08:08,160 --> 00:08:12,600 Speaker 4: Deeper Dives. After three point thirty you're listening. 128 00:08:12,280 --> 00:08:15,080 Speaker 1: To KFI AM six forty on demand. 129 00:08:16,760 --> 00:08:19,880 Speaker 4: Now we've been in our Deeper Dives segment and we're 130 00:08:19,920 --> 00:08:23,840 Speaker 4: talking about this trend that's started in January. 131 00:08:24,240 --> 00:08:25,400 Speaker 2: It's still going. 132 00:08:26,040 --> 00:08:30,400 Speaker 4: It's called the no Buy twenty twenty five trend or challenge. 133 00:08:30,440 --> 00:08:38,040 Speaker 4: It's all about not buying unnecessary items, services, daily, weekly, monthly, 134 00:08:38,080 --> 00:08:40,920 Speaker 4: whatever it may be. Of course, you can buy the essentials, 135 00:08:40,960 --> 00:08:46,240 Speaker 4: and again, essential is subjective. You might think, or I 136 00:08:46,360 --> 00:08:49,960 Speaker 4: might think that bottle of wine is in fact necessary, 137 00:08:50,480 --> 00:08:54,280 Speaker 4: but the no by twenty twenty five trend says it's not. 138 00:08:55,320 --> 00:08:58,839 Speaker 4: You only need to basically eat to live and not 139 00:08:58,920 --> 00:09:03,360 Speaker 4: necessarily entertain yourself and keep a roof over your head, 140 00:09:03,440 --> 00:09:06,240 Speaker 4: keep your vehicle kept up, whatever it is. But you 141 00:09:06,280 --> 00:09:10,719 Speaker 4: don't need to spend on the extras. For go that cologne, 142 00:09:10,800 --> 00:09:16,440 Speaker 4: or forego that excursion or vacation. Down to again, more 143 00:09:16,520 --> 00:09:21,240 Speaker 4: minute things like clothing or beauty products, hygiene products that 144 00:09:21,280 --> 00:09:24,600 Speaker 4: you don't need. They're saying, get what you need, kind 145 00:09:24,600 --> 00:09:26,400 Speaker 4: of put it aside. 146 00:09:26,480 --> 00:09:27,559 Speaker 2: I guess, stock. 147 00:09:27,360 --> 00:09:31,040 Speaker 4: Up and then don't replenish because you need your hygiene products. 148 00:09:31,040 --> 00:09:32,920 Speaker 2: Don't you dare include and. 149 00:09:32,880 --> 00:09:37,120 Speaker 4: No Buy twenty twenty five a lack of hygiene products. 150 00:09:37,679 --> 00:09:39,760 Speaker 2: I will not not judge you for that. 151 00:09:40,120 --> 00:09:42,320 Speaker 4: Make sure you buy that, but they are saying you 152 00:09:42,320 --> 00:09:45,480 Speaker 4: don't need all the extras that. If you participate in 153 00:09:45,520 --> 00:09:49,000 Speaker 4: no Buy twenty twenty five, you can undo a lot 154 00:09:49,040 --> 00:09:51,920 Speaker 4: of damage you've done to yourself economically. You can pay 155 00:09:51,920 --> 00:09:54,760 Speaker 4: off loans that have been sitting there, you can put 156 00:09:54,840 --> 00:09:57,920 Speaker 4: money aside for funds that you might want to tap 157 00:09:58,000 --> 00:10:02,800 Speaker 4: into or surprise things that may show up. And if 158 00:10:02,840 --> 00:10:04,840 Speaker 4: you found that you weren't able to get involved in 159 00:10:04,880 --> 00:10:07,480 Speaker 4: the no by twenty twenty five trend back in January 160 00:10:08,040 --> 00:10:12,760 Speaker 4: earlier in the year, there's another entry point into saving 161 00:10:12,880 --> 00:10:17,000 Speaker 4: your money, and it's called no spend November. 162 00:10:17,360 --> 00:10:20,080 Speaker 2: I think you've heard of no Shave November. 163 00:10:20,280 --> 00:10:24,559 Speaker 4: That's what men do, maybe some women, but no shave November, 164 00:10:24,920 --> 00:10:28,080 Speaker 4: and that's in an effort to help bring awareness to 165 00:10:28,880 --> 00:10:34,240 Speaker 4: it's some ailment. But this is no Spend November, and 166 00:10:34,240 --> 00:10:37,200 Speaker 4: it's supposed to bring awareness to yourself and your wallet. 167 00:10:38,040 --> 00:10:41,400 Speaker 4: And it is pretty self explanatory. You're not going to 168 00:10:41,920 --> 00:10:45,599 Speaker 4: spend anything in November. You're going to freeze your finances 169 00:10:45,800 --> 00:10:50,280 Speaker 4: for the entirety of the month. And there are people 170 00:10:50,360 --> 00:10:53,000 Speaker 4: who are saying that there are different ways that you 171 00:10:53,080 --> 00:10:56,680 Speaker 4: can do this, and first of all, it takes ironclad 172 00:10:56,920 --> 00:11:02,319 Speaker 4: will power and some practical preppers. One person said they 173 00:11:02,360 --> 00:11:05,120 Speaker 4: went for this is for no spin November. They went 174 00:11:05,200 --> 00:11:08,640 Speaker 4: on an extra large grocery run and they made short 175 00:11:08,760 --> 00:11:12,000 Speaker 4: to stock up on things that were non perishable, maybe 176 00:11:12,040 --> 00:11:14,840 Speaker 4: more expensive, like your paper. 177 00:11:14,520 --> 00:11:16,520 Speaker 2: Towels, toilet tissue. 178 00:11:17,720 --> 00:11:22,200 Speaker 4: Again, hygiene products or food that could be stretched out. 179 00:11:22,400 --> 00:11:26,280 Speaker 4: They said that they replaced some of their staples for 180 00:11:26,400 --> 00:11:28,960 Speaker 4: their makeup ahead of time. 181 00:11:29,080 --> 00:11:30,840 Speaker 2: They treated themselves. 182 00:11:30,240 --> 00:11:35,400 Speaker 4: To one last massage or one last manicure and decided 183 00:11:35,440 --> 00:11:38,560 Speaker 4: that for the entirety of the month they wouldn't get 184 00:11:38,559 --> 00:11:42,600 Speaker 4: another massage or manicure. Some of these seem a little opulent, 185 00:11:42,720 --> 00:11:46,960 Speaker 4: I imagine, but they also said that they went ahead 186 00:11:47,120 --> 00:11:50,000 Speaker 4: and replaced things that needed to be replaced, that it 187 00:11:50,040 --> 00:11:54,120 Speaker 4: really spurred people into action. They looked around their homes 188 00:11:54,240 --> 00:11:56,320 Speaker 4: or at themselves and said, what do I need to 189 00:11:56,440 --> 00:11:58,960 Speaker 4: fix that I've been putting off, or what do I 190 00:11:59,040 --> 00:12:01,520 Speaker 4: need to purchase that I've been putting off that I 191 00:12:01,559 --> 00:12:06,280 Speaker 4: can do now in an effort to not necessarily overspend 192 00:12:06,640 --> 00:12:11,280 Speaker 4: for the entirety of the month. Now, others say it 193 00:12:11,320 --> 00:12:17,360 Speaker 4: doesn't really mean not spending anything. Again, there are ways 194 00:12:17,400 --> 00:12:21,040 Speaker 4: around it. They're leaving wiggle room. There's a wiggle room 195 00:12:21,080 --> 00:12:24,839 Speaker 4: and no buy twenty twenty five in no Spend November. 196 00:12:25,400 --> 00:12:29,559 Speaker 4: But they made short of note that you gotta separate it. 197 00:12:29,640 --> 00:12:34,200 Speaker 4: You gotta list out what you really truly need and 198 00:12:34,240 --> 00:12:38,240 Speaker 4: what you don't you need. You need the gym membership, 199 00:12:38,400 --> 00:12:41,120 Speaker 4: they said, you can keep that. And sometimes they even 200 00:12:41,200 --> 00:12:45,040 Speaker 4: said that if you don't necessarily go to things that 201 00:12:45,200 --> 00:12:47,880 Speaker 4: perhaps you have a membership too, say it to a 202 00:12:48,000 --> 00:12:51,600 Speaker 4: gym and you miss a class, or say it's something 203 00:12:51,600 --> 00:12:54,800 Speaker 4: in which there's a financial penalty if you miss a payment, 204 00:12:55,360 --> 00:12:58,040 Speaker 4: pay it so that you don't get a charge for 205 00:12:58,080 --> 00:13:04,240 Speaker 4: that missed payment. They say, you need your inner Netflix, eh, eh, 206 00:13:04,720 --> 00:13:05,800 Speaker 4: I say keep it. 207 00:13:06,040 --> 00:13:07,200 Speaker 2: There's some good stuff there. 208 00:13:07,240 --> 00:13:09,440 Speaker 4: I told you about that documentary at the top of 209 00:13:09,480 --> 00:13:13,719 Speaker 4: the show that's about No I can't find it, but 210 00:13:13,760 --> 00:13:17,679 Speaker 4: there's a wonderful documentary coming out in December. First about 211 00:13:17,840 --> 00:13:21,480 Speaker 4: the bedrooms left behind for children who were victims of 212 00:13:21,480 --> 00:13:26,320 Speaker 4: school shootings. They say, you need your Microsoft three sixty five. 213 00:13:26,360 --> 00:13:28,120 Speaker 4: Those of you who may work at home, you need 214 00:13:28,200 --> 00:13:33,199 Speaker 4: some of these services online. For men, they say, men, 215 00:13:33,720 --> 00:13:36,840 Speaker 4: you might want to keep your subscription to Dollars Shave Club. 216 00:13:36,960 --> 00:13:40,719 Speaker 4: Women you want to also make sure those beards that 217 00:13:40,760 --> 00:13:41,839 Speaker 4: are coming in are right as well. 218 00:13:41,880 --> 00:13:42,880 Speaker 2: Dollars Shave Club. 219 00:13:43,360 --> 00:13:49,359 Speaker 4: Keep that, they said, keep your altruistic contributions, your donations, 220 00:13:49,800 --> 00:13:53,400 Speaker 4: make sure that you keep those up, but that you 221 00:13:53,480 --> 00:13:57,760 Speaker 4: might not necessarily need to keep other things. You also 222 00:13:57,840 --> 00:14:00,679 Speaker 4: have to keep gas and gases going up alive, so 223 00:14:00,720 --> 00:14:03,160 Speaker 4: maybe make sure you stock up. 224 00:14:03,200 --> 00:14:03,760 Speaker 2: They're saying. 225 00:14:03,960 --> 00:14:06,880 Speaker 4: Also, if you can maybe walk to work, of which 226 00:14:06,920 --> 00:14:10,199 Speaker 4: I say, where do these people live? I can't walk 227 00:14:10,240 --> 00:14:13,120 Speaker 4: to work, but others may be able to, Or they say, 228 00:14:13,200 --> 00:14:15,920 Speaker 4: take public transportation, of which all of us in LA 229 00:14:16,440 --> 00:14:19,360 Speaker 4: collectively screamed absolutely not. 230 00:14:20,440 --> 00:14:20,720 Speaker 2: Again. 231 00:14:20,760 --> 00:14:26,120 Speaker 4: There are some other exceptions, miscellaneous expenses, perhaps cultural and 232 00:14:26,200 --> 00:14:31,840 Speaker 4: religious expenses, but for the most part, they're saying, a 233 00:14:31,880 --> 00:14:35,520 Speaker 4: lot of us are hoarders and we don't necessarily know 234 00:14:35,680 --> 00:14:39,160 Speaker 4: it or acknowledge it, and we bye bye bye because 235 00:14:39,240 --> 00:14:43,000 Speaker 4: we can, and not just hoarding of things, but just 236 00:14:43,240 --> 00:14:46,040 Speaker 4: going out and spending a lot of money. Think about 237 00:14:46,080 --> 00:14:50,800 Speaker 4: what you spend daily. Take a moment asking you to itemize. 238 00:14:50,800 --> 00:14:53,960 Speaker 4: It's not an easy question and it will probably reveal 239 00:14:54,240 --> 00:14:58,400 Speaker 4: some concerning habits. But think about what you spend daily, 240 00:14:58,880 --> 00:15:01,640 Speaker 4: and then think about what you could potentially save if 241 00:15:01,640 --> 00:15:04,040 Speaker 4: you cut those things out. Those of you who have 242 00:15:04,120 --> 00:15:08,840 Speaker 4: those daily Starbucks habits six dollars for a cup, you 243 00:15:08,920 --> 00:15:11,000 Speaker 4: do that daily, do the math if you cut that 244 00:15:11,120 --> 00:15:14,080 Speaker 4: out or prepare it at home, perhaps you can save 245 00:15:14,240 --> 00:15:16,640 Speaker 4: some money. I don't know. I'm not trying to be 246 00:15:16,720 --> 00:15:19,960 Speaker 4: in your wallet, but I am trying to encourage those 247 00:15:20,000 --> 00:15:22,120 Speaker 4: of us to maybe be a bit more reflective. And 248 00:15:22,120 --> 00:15:26,200 Speaker 4: that's what No by twenty twenty five and no Spend 249 00:15:26,440 --> 00:15:31,320 Speaker 4: November aim to do. Mario, I'm gonna ask you a question, 250 00:15:32,560 --> 00:15:37,480 Speaker 4: what ah ringing of the hands? Do you feel that 251 00:15:37,680 --> 00:15:41,120 Speaker 4: you spend a lot of money kind of on things 252 00:15:41,200 --> 00:15:42,040 Speaker 4: that you don't need? 253 00:15:43,160 --> 00:15:47,880 Speaker 5: Yes, ooh, I appreciate the vulnerability, by the way, and 254 00:15:47,920 --> 00:15:51,800 Speaker 5: the honesty, but I have been doing it on a 255 00:15:51,920 --> 00:15:58,760 Speaker 5: financially responsible planet budget wise okay, But what I have 256 00:15:58,840 --> 00:16:01,840 Speaker 5: gotten even if I'm not under budget and I still 257 00:16:01,880 --> 00:16:06,920 Speaker 5: spend on what I essentially don't need, this would have 258 00:16:06,920 --> 00:16:08,600 Speaker 5: been nice to still have that extra money and not 259 00:16:08,720 --> 00:16:09,880 Speaker 5: spend what I spend money on. 260 00:16:10,120 --> 00:16:18,560 Speaker 4: Well, okay, safe answer. What could you cut out? I've 261 00:16:18,560 --> 00:16:20,440 Speaker 4: been thinking about that this whole entire time. I haven't 262 00:16:20,440 --> 00:16:22,560 Speaker 4: I haven't thought of something yet, but I'm sure there's 263 00:16:22,560 --> 00:16:28,680 Speaker 4: something there that I could cut out. Eileen, do you 264 00:16:28,720 --> 00:16:32,600 Speaker 4: feel that you do you feel that you are an overspender? 265 00:16:33,080 --> 00:16:35,400 Speaker 6: I am not at all, believe it or not. I 266 00:16:35,400 --> 00:16:39,640 Speaker 6: am so like pragmatic. Oh I if I want to 267 00:16:39,720 --> 00:16:42,760 Speaker 6: shop for something, I'd ask myself two questions. 268 00:16:42,800 --> 00:16:45,560 Speaker 2: Do I really love it or do I really need it? 269 00:16:45,600 --> 00:16:46,640 Speaker 2: Does it bring you joy? 270 00:16:46,840 --> 00:16:47,400 Speaker 7: If it? Yeah? 271 00:16:47,560 --> 00:16:50,400 Speaker 6: Yeah, It's like because I used to shop like, I'd 272 00:16:50,440 --> 00:16:52,440 Speaker 6: find bargains. I'm like, oh my god, this is a 273 00:16:52,440 --> 00:16:54,840 Speaker 6: great bargain, and I would buy everything that I didn't 274 00:16:54,880 --> 00:16:56,000 Speaker 6: need because it was a bargain. 275 00:16:56,080 --> 00:16:57,000 Speaker 2: Oh okay, yeah. 276 00:16:57,040 --> 00:16:59,200 Speaker 6: So now and if I really want something now, I'm like, 277 00:16:59,720 --> 00:17:01,480 Speaker 6: I'm not I can get it. If I keep thinking 278 00:17:01,480 --> 00:17:01,920 Speaker 6: about it. 279 00:17:01,880 --> 00:17:03,280 Speaker 2: I'll come back and get it. Got it. 280 00:17:03,360 --> 00:17:06,680 Speaker 4: Got it has to bring you that sort of intrinsic joy. 281 00:17:06,920 --> 00:17:07,679 Speaker 2: Yep, exactly. 282 00:17:07,760 --> 00:17:09,240 Speaker 4: Is there anything you feel like you could cut out 283 00:17:09,280 --> 00:17:12,119 Speaker 4: now from your bills that you don't need a subscription 284 00:17:12,240 --> 00:17:12,840 Speaker 4: or anything like. 285 00:17:12,800 --> 00:17:15,400 Speaker 6: That you mentioned Netflix. And the truth is I really 286 00:17:15,400 --> 00:17:17,840 Speaker 6: don't watch a lot of TV. So I could, I 287 00:17:17,880 --> 00:17:19,359 Speaker 6: could get rid of Netflix, I'd be all right. 288 00:17:19,440 --> 00:17:21,840 Speaker 4: Okay, Netflix is really upset at this segment right now. 289 00:17:21,880 --> 00:17:24,440 Speaker 4: By the way, Sorry Netflix, Sorry, not sorry. 290 00:17:24,200 --> 00:17:26,560 Speaker 2: Sorry, not sorry. But I did watch it last night. 291 00:17:26,680 --> 00:17:29,639 Speaker 4: There you go once in a while. Yeah, you can 292 00:17:29,760 --> 00:17:33,760 Speaker 4: use someone's password. I didn't say that, Netflix, Nikki. Do 293 00:17:33,800 --> 00:17:36,560 Speaker 4: you feel that you are an overspender? 294 00:17:37,359 --> 00:17:40,600 Speaker 2: I'm more like Eileen. I'm a save, not a spender. 295 00:17:40,840 --> 00:17:41,160 Speaker 2: Oh wow. 296 00:17:41,280 --> 00:17:45,560 Speaker 8: But what I will spend money on is experiences, not things. 297 00:17:45,720 --> 00:17:49,800 Speaker 8: I am not a consumer at all. So I love 298 00:17:50,000 --> 00:17:54,320 Speaker 8: when I can. I like to travel, and I like 299 00:17:54,400 --> 00:17:56,560 Speaker 8: to go out on the razzle dazzle. But I'm not 300 00:17:56,680 --> 00:18:01,520 Speaker 8: out shopping every day buying things. You know, it's just experiential, 301 00:18:01,720 --> 00:18:03,439 Speaker 8: experiential spending for me. 302 00:18:03,960 --> 00:18:05,240 Speaker 2: Got it, got it? 303 00:18:05,400 --> 00:18:08,639 Speaker 4: You know what. Let's actually make this our question. Let's 304 00:18:08,720 --> 00:18:10,800 Speaker 4: ask you and you can call in and let us know. 305 00:18:11,240 --> 00:18:13,720 Speaker 4: Eight hundred five two oh one five three four eight 306 00:18:13,880 --> 00:18:17,040 Speaker 4: hundred five two oh one five three four Are you 307 00:18:17,320 --> 00:18:21,480 Speaker 4: an overspender? Do you find that you're purchasing too much? 308 00:18:21,520 --> 00:18:24,600 Speaker 4: Did this make you reflect? And is there anything that 309 00:18:24,640 --> 00:18:26,919 Speaker 4: you can cut out now that you're considering it, Are 310 00:18:26,920 --> 00:18:30,000 Speaker 4: you like Mario or you're like, hmmm, I think I can, 311 00:18:30,119 --> 00:18:32,120 Speaker 4: but you're cryptic about it. He doesn't want to tell 312 00:18:32,200 --> 00:18:34,280 Speaker 4: us what he wants to cut out, but call in 313 00:18:34,359 --> 00:18:36,480 Speaker 4: eight hundred five two oh one five three four. I 314 00:18:36,640 --> 00:18:38,719 Speaker 4: love to talk to you and let us know. Are 315 00:18:38,760 --> 00:18:42,200 Speaker 4: you an overspender and are you thinking about getting rid 316 00:18:42,280 --> 00:18:45,239 Speaker 4: of some of those expenditures. We'll talk to you on 317 00:18:45,280 --> 00:18:48,000 Speaker 4: the other side of the break. KFI AM six forty 318 00:18:48,040 --> 00:18:51,040 Speaker 4: Live everywhere on the iHeartRadio app again that numbers eight 319 00:18:51,119 --> 00:18:54,440 Speaker 4: hundred five to two oh one, five three four. 320 00:18:54,600 --> 00:18:55,639 Speaker 2: Can't wait to talk to you. 321 00:18:56,320 --> 00:19:00,159 Speaker 1: You're listening to KFI AM six forty on demand. 322 00:19:01,320 --> 00:19:05,119 Speaker 4: Filling in for Andy Reismeyer on this lovely somewhat dry, 323 00:19:05,200 --> 00:19:08,560 Speaker 4: somewhat rainy Sunday and Chris Merril will be here at four. 324 00:19:08,600 --> 00:19:11,240 Speaker 4: We'll talk to him after the break. But now we 325 00:19:11,280 --> 00:19:13,760 Speaker 4: want to talk to you. So I asked a question 326 00:19:14,119 --> 00:19:17,360 Speaker 4: because we were talking about our Deeper Dives segment No. 327 00:19:17,440 --> 00:19:21,400 Speaker 4: By twenty twenty five, A trend started in January. It's 328 00:19:21,440 --> 00:19:25,840 Speaker 4: all about not spending things that are unnecessary. Unnecessary as 329 00:19:25,840 --> 00:19:32,280 Speaker 4: subjective but ultimately saving money, not being exorbitant, being more frivolous, 330 00:19:32,320 --> 00:19:36,320 Speaker 4: being more responsible, blah blah blah. And there is another 331 00:19:36,480 --> 00:19:40,560 Speaker 4: entry point into no by twenty twenty five. It's called 332 00:19:40,640 --> 00:19:44,600 Speaker 4: no spend November. So if you miss the kickoff of 333 00:19:44,640 --> 00:19:47,600 Speaker 4: this trend, then you can join it in November and 334 00:19:47,680 --> 00:19:50,840 Speaker 4: do one month kind of a soft launch instead of 335 00:19:50,840 --> 00:19:54,240 Speaker 4: doing a full year. So I asked you to call 336 00:19:54,359 --> 00:19:58,320 Speaker 4: in to share do you feel you are an overspender 337 00:19:58,440 --> 00:20:02,600 Speaker 4: and if so, why and what could you maybe cut out? 338 00:20:02,640 --> 00:20:04,360 Speaker 4: I think we have Steven on the line. 339 00:20:05,600 --> 00:20:08,040 Speaker 7: Oh yes, Tiffany, And this is really a good subject 340 00:20:08,040 --> 00:20:10,679 Speaker 7: to talk about. I mean, you know, we're you know, 341 00:20:10,760 --> 00:20:13,720 Speaker 7: you hear all of these politicians. It's like talking heads, 342 00:20:14,119 --> 00:20:17,080 Speaker 7: and all they talk about is like they don't accomplish stuff. 343 00:20:17,080 --> 00:20:19,720 Speaker 7: They say, Okay, the cost of living, and it's always 344 00:20:19,760 --> 00:20:23,320 Speaker 7: about the cost of living. But then I see that, Okay, well, okay, 345 00:20:23,400 --> 00:20:26,680 Speaker 7: the first thing you do then pensions. You don't tax 346 00:20:26,720 --> 00:20:29,119 Speaker 7: the pension. Okay, Okay, that's the first thing. Okay, I 347 00:20:29,160 --> 00:20:32,359 Speaker 7: solve that problem. I'm not even a government official. You 348 00:20:32,400 --> 00:20:35,840 Speaker 7: don't tax solid security by the government official. Okay. That's 349 00:20:35,840 --> 00:20:37,760 Speaker 7: the second thing. And the third thing I would do. 350 00:20:38,080 --> 00:20:40,160 Speaker 7: I would say that we have to do more of 351 00:20:40,240 --> 00:20:43,840 Speaker 7: like sharing. Okay, if like let's say you need a car, 352 00:20:44,119 --> 00:20:48,240 Speaker 7: then it's called you share your car, all right, and 353 00:20:47,600 --> 00:20:52,280 Speaker 7: we share, we share it, we barter, all right, okay, 354 00:20:52,480 --> 00:20:56,480 Speaker 7: like and it's like with me. Okay, I was a 355 00:20:56,600 --> 00:20:59,080 Speaker 7: union worker, and I did you know I've worked for 356 00:20:59,119 --> 00:21:02,240 Speaker 7: the Chinese. Was a slave in the machine for the Chinese. 357 00:21:02,640 --> 00:21:06,240 Speaker 7: I hope you're hearing this Los Angeles, all right, the Chinese, 358 00:21:06,600 --> 00:21:10,000 Speaker 7: the Chinese. Obviously the Chinese, they know they can get labor. 359 00:21:10,359 --> 00:21:11,680 Speaker 7: And I was alongshoreman. 360 00:21:11,760 --> 00:21:13,240 Speaker 4: Well, let me bring it back to your Let me 361 00:21:13,359 --> 00:21:15,600 Speaker 4: let me bring it back to your spending habits, Stephen, 362 00:21:15,600 --> 00:21:17,760 Speaker 4: because you gave some really great points and you said 363 00:21:17,880 --> 00:21:20,840 Speaker 4: not a government official, but perhaps we need you in 364 00:21:20,960 --> 00:21:23,520 Speaker 4: city government, local government. Because you'd said no tax on 365 00:21:23,600 --> 00:21:25,480 Speaker 4: pensions and things like that that a lot of people 366 00:21:25,520 --> 00:21:31,400 Speaker 4: are hearing. What about you personally, your weekly monthly spending habits? 367 00:21:31,560 --> 00:21:35,320 Speaker 4: Are you spending too much? In your honest opinion? How 368 00:21:35,359 --> 00:21:39,400 Speaker 4: do are you cutting back? What are your spending habits? 369 00:21:39,480 --> 00:21:42,040 Speaker 7: Like? Okay, this is a good topic because my spending 370 00:21:42,080 --> 00:21:43,520 Speaker 7: habits I used to say, Okay, I want to go 371 00:21:43,520 --> 00:21:46,439 Speaker 7: see a really great concert, something that's going to be 372 00:21:46,480 --> 00:21:49,640 Speaker 7: a fun thing to do. And now those cultures, it's 373 00:21:49,680 --> 00:21:50,560 Speaker 7: like two ninety nine. 374 00:21:50,640 --> 00:21:51,919 Speaker 2: Yeah, one night I've seen that. 375 00:21:52,200 --> 00:21:56,160 Speaker 7: Okay, oh oh oh, okay, right, that's for one ticket. Okay, 376 00:21:56,200 --> 00:21:59,159 Speaker 7: I can't do that anymore. Then I've thought, oh, you know, 377 00:21:59,200 --> 00:22:02,119 Speaker 7: it'd be kind of nice maybe to go like to 378 00:22:02,160 --> 00:22:04,639 Speaker 7: one of these amusement parks. Okay, let's go to a 379 00:22:04,680 --> 00:22:08,400 Speaker 7: wild country safari. All right. Oh, you show up there 380 00:22:08,640 --> 00:22:11,199 Speaker 7: and it's over one hundred bucks just to get in 381 00:22:11,400 --> 00:22:15,919 Speaker 7: with that's a lot o parking. And then parking they 382 00:22:15,920 --> 00:22:18,800 Speaker 7: don't do anything for parking, they just collect the fee. 383 00:22:19,359 --> 00:22:22,600 Speaker 7: That's another like forty fifty bucks. Okay, So I don't 384 00:22:22,600 --> 00:22:25,800 Speaker 7: go to amusement parks. I'm cutting back on that. And 385 00:22:25,840 --> 00:22:28,399 Speaker 7: then I wanted to go to a national park and 386 00:22:28,480 --> 00:22:31,840 Speaker 7: my freeing government's closed and no one's walking. 387 00:22:32,359 --> 00:22:34,760 Speaker 2: Well, it's back open now, so you can go. 388 00:22:36,400 --> 00:22:38,920 Speaker 7: Right right. So now I want to I want to 389 00:22:39,040 --> 00:22:42,920 Speaker 7: enjoy things that are America has said, look at we've 390 00:22:42,920 --> 00:22:45,040 Speaker 7: got all these great things to do, go to a 391 00:22:45,119 --> 00:22:47,760 Speaker 7: national park, but you've got to then, you know, make 392 00:22:47,800 --> 00:22:50,320 Speaker 7: the effort to get there. All right. But now, like 393 00:22:50,400 --> 00:22:54,240 Speaker 7: you say, now, okay, things are open and blah blah 394 00:22:54,280 --> 00:22:56,800 Speaker 7: blah blah blah. You know we're doing a little bit bit. 395 00:22:57,080 --> 00:22:59,480 Speaker 7: You lie made you. I love it. 396 00:22:59,520 --> 00:23:01,760 Speaker 2: I love it even I appreciate your tips. 397 00:23:01,800 --> 00:23:03,800 Speaker 4: I'm sure there are lots of people out there, especially 398 00:23:03,880 --> 00:23:05,720 Speaker 4: those who are union workers like yourself. 399 00:23:05,720 --> 00:23:08,639 Speaker 2: Thank you for that. Who who that resonated. 400 00:23:08,480 --> 00:23:11,399 Speaker 7: Sixty dollars a month? You tell me, how do you 401 00:23:11,440 --> 00:23:13,359 Speaker 7: live in sixty How do you do that? 402 00:23:13,680 --> 00:23:15,639 Speaker 4: Yeah, well, sixty five thousand dollars a month would be 403 00:23:15,640 --> 00:23:18,000 Speaker 4: a lot, but you mean per year. I imagine that's Yeah, 404 00:23:18,000 --> 00:23:21,879 Speaker 4: it's very little, very very little. And unfortunately that's the average, 405 00:23:21,880 --> 00:23:24,240 Speaker 4: which means there are more people who are trying to 406 00:23:24,359 --> 00:23:27,000 Speaker 4: than are not. Steven, I gotta run. Thank you so 407 00:23:27,119 --> 00:23:29,040 Speaker 4: much for calling in and for listening. I hope you 408 00:23:29,080 --> 00:23:31,560 Speaker 4: have a wonderful and somewhat dry rest of your day. 409 00:23:32,640 --> 00:23:33,840 Speaker 7: Yeah, you keep up the good work. 410 00:23:33,960 --> 00:23:37,720 Speaker 2: Thank you so much. Take care bye. Do we have 411 00:23:37,760 --> 00:23:38,639 Speaker 2: anybody else in there? 412 00:23:38,680 --> 00:23:38,960 Speaker 5: Mario? 413 00:23:39,000 --> 00:23:41,640 Speaker 4: That was our Stephen was our our lone ranger, our 414 00:23:41,760 --> 00:23:44,840 Speaker 4: lone brave soul who would talk to us about his 415 00:23:44,960 --> 00:23:48,360 Speaker 4: spending habits, and like Mario, he still was a little cryptic. 416 00:23:48,640 --> 00:23:51,000 Speaker 4: He didn't fully get into the nitty gritty, and maybe 417 00:23:51,040 --> 00:23:53,520 Speaker 4: that's a man thing. The women are like, I buy 418 00:23:53,600 --> 00:23:55,840 Speaker 4: nails and shoes and this, and the guys are like, 419 00:23:56,000 --> 00:23:58,960 Speaker 4: I spend. I spend some money. I got to cut back. 420 00:23:59,000 --> 00:24:03,640 Speaker 4: And it's like, we're asking for your list, Mario, what 421 00:24:03,760 --> 00:24:05,080 Speaker 4: can you cut back on? 422 00:24:05,160 --> 00:24:05,520 Speaker 2: Mario? 423 00:24:05,640 --> 00:24:08,399 Speaker 5: Okay, I'm not making this up. Two nights ago, I 424 00:24:08,400 --> 00:24:09,639 Speaker 5: bought some more shoes from Nike. 425 00:24:09,840 --> 00:24:15,760 Speaker 4: Shame I did that today. I know online And that's 426 00:24:15,840 --> 00:24:18,000 Speaker 4: that's where I get you. That the convenience of being 427 00:24:18,040 --> 00:24:21,000 Speaker 4: able to buy things whenever you want them, that one 428 00:24:21,040 --> 00:24:23,400 Speaker 4: click buy is just there you go. 429 00:24:23,640 --> 00:24:25,399 Speaker 5: Some colors came back and they were on clearance and 430 00:24:25,440 --> 00:24:27,280 Speaker 5: I'm like, oh, I wanted these months ago, and the 431 00:24:27,320 --> 00:24:29,239 Speaker 5: colors are back, so there I go. 432 00:24:29,359 --> 00:24:30,360 Speaker 2: Have they been delivered yet? 433 00:24:30,680 --> 00:24:30,760 Speaker 7: No? 434 00:24:30,840 --> 00:24:32,680 Speaker 2: I barely ordered them a night or two of lie. 435 00:24:32,680 --> 00:24:35,040 Speaker 4: Should you cancel them to save money for no buy 436 00:24:35,119 --> 00:24:36,160 Speaker 4: or no spend November? 437 00:24:36,240 --> 00:24:37,359 Speaker 2: Or do you want to do that? Mario? 438 00:24:37,920 --> 00:24:42,119 Speaker 4: We're already half weight done with the money. Like it 439 00:24:42,280 --> 00:24:45,680 Speaker 4: missed me, It passed me by fair. I'm judging you, right, 440 00:24:46,520 --> 00:24:49,880 Speaker 4: We listen, we don't judge. That's what the kids say, 441 00:24:50,040 --> 00:24:53,720 Speaker 4: all right, Mario, you're safe for now. When we come back, 442 00:24:53,880 --> 00:24:57,040 Speaker 4: we're going to talk about another way in which your 443 00:24:57,119 --> 00:25:01,800 Speaker 4: money is at risk. Scammer's Gonna scam. Is gonna talk 444 00:25:01,840 --> 00:25:07,720 Speaker 4: about a scam for holiday shoppers. This is prime time 445 00:25:08,359 --> 00:25:12,320 Speaker 4: for scammers, and it has to do with getting packages delivered. 446 00:25:12,320 --> 00:25:15,280 Speaker 4: Mario and I are talking about getting packages delivered, and 447 00:25:15,400 --> 00:25:18,120 Speaker 4: this scam is praying on that. 448 00:25:18,440 --> 00:25:20,800 Speaker 2: It's praying on you. It wants your money. 449 00:25:21,040 --> 00:25:22,960 Speaker 4: Let's talk about it on the other side of the break, 450 00:25:23,000 --> 00:25:24,760 Speaker 4: and we'll talk to Chris Merrill and see what's going 451 00:25:24,840 --> 00:25:27,240 Speaker 4: on on his show. Ok If I Am six forty 452 00:25:27,240 --> 00:25:29,760 Speaker 4: Live everywhere on the iHeartRadio app. Tifany Hobs here for 453 00:25:29,800 --> 00:25:32,439 Speaker 4: one more segment, filling in for Andy Reesmeyer. 454 00:25:32,520 --> 00:25:32,920 Speaker 2: Today. 455 00:25:33,960 --> 00:25:42,240 Speaker 1: You're listening to k if I Am six forty on demand, 456 00:25:42,680 --> 00:25:43,760 Speaker 1: Scammer's Gonna Scam? 457 00:25:50,280 --> 00:25:52,480 Speaker 4: Okay if I Am six forty Live everywhere on the 458 00:25:52,520 --> 00:25:55,360 Speaker 4: iHeartRadio app. Tiffany Hobs here for one more segment. We're 459 00:25:55,359 --> 00:25:58,159 Speaker 4: gonna talk to Chris Merrill in a moment, but before 460 00:25:58,200 --> 00:26:00,960 Speaker 4: we do, we have Robert on the line, who wants 461 00:26:01,000 --> 00:26:04,479 Speaker 4: to tell us a little bit quickly about a cost 462 00:26:04,720 --> 00:26:07,719 Speaker 4: that he has a huge problem with you do two? 463 00:26:07,800 --> 00:26:11,640 Speaker 2: What is it? Robert, Robert, are you there there? 464 00:26:11,640 --> 00:26:11,960 Speaker 4: You are? 465 00:26:12,480 --> 00:26:17,879 Speaker 9: Yes, yeah, I'm here now. It's mainly unplanned events that 466 00:26:18,040 --> 00:26:22,320 Speaker 9: involve having to go to the dentist and getting tooth 467 00:26:22,400 --> 00:26:30,040 Speaker 9: extraction and then implants which are pushing real hard over dentures. 468 00:26:30,240 --> 00:26:35,960 Speaker 9: That is, like I said, unplanned stuff, along with just 469 00:26:36,200 --> 00:26:41,280 Speaker 9: the cost of your groceries and if you dare to 470 00:26:41,320 --> 00:26:45,080 Speaker 9: buy meat lately, and you see it's a third more expensive, 471 00:26:46,280 --> 00:26:51,359 Speaker 9: and then so goes it for so many items that 472 00:26:51,440 --> 00:26:55,240 Speaker 9: we use every day. Just living in certain areas of 473 00:26:55,320 --> 00:26:59,440 Speaker 9: the state down here in the south where you've got 474 00:26:59,640 --> 00:27:03,199 Speaker 9: h o as or mellow roots or some sort of 475 00:27:03,359 --> 00:27:11,400 Speaker 9: dimunity fee. I'm nearing three years before retirement and choaps 476 00:27:11,480 --> 00:27:15,840 Speaker 9: of our a junk twenty percent last three years? Can 477 00:27:15,960 --> 00:27:21,320 Speaker 9: we live where we're living after retirement when we're really 478 00:27:21,359 --> 00:27:28,800 Speaker 9: on a you know, a certainly affixed income. I don't 479 00:27:28,880 --> 00:27:32,760 Speaker 9: care what side of the political scope someone's on there, 480 00:27:32,760 --> 00:27:38,080 Speaker 9: all it's all the same rhetoric, but basically, you know, 481 00:27:38,680 --> 00:27:43,960 Speaker 9: just to breathe and live somewhere. It's noticeably more expensive 482 00:27:44,480 --> 00:27:46,879 Speaker 9: than it was, say three four years ago, and it 483 00:27:46,920 --> 00:27:50,159 Speaker 9: was more expensive than ten years ago. It's not going 484 00:27:50,280 --> 00:27:55,200 Speaker 9: to go downhill. It's going to continue. My biggest concern. 485 00:27:55,400 --> 00:27:57,280 Speaker 2: You're not wrong, Robert, You're not wrong. 486 00:27:57,320 --> 00:28:00,000 Speaker 4: And I'm sure a lot of people are are class 487 00:28:00,440 --> 00:28:02,880 Speaker 4: for you right now and shaking their heads and approval 488 00:28:02,960 --> 00:28:07,080 Speaker 4: because you represent most of the populace here, including myself, 489 00:28:07,119 --> 00:28:10,840 Speaker 4: who say it's just everything is just too damn high. Robert, 490 00:28:10,880 --> 00:28:13,400 Speaker 4: thank you so much for calling in and for listening, 491 00:28:13,800 --> 00:28:16,119 Speaker 4: and I hope you find some relief soon. 492 00:28:16,320 --> 00:28:20,199 Speaker 2: Thank you so much. Thank you, Timmy, You're most welcome. 493 00:28:20,280 --> 00:28:23,400 Speaker 2: Take care. We have Chris Merrill on the line. 494 00:28:24,080 --> 00:28:29,880 Speaker 4: Yeah, hello, Chris Merrill. Hey, honey, you're expensive. I can't 495 00:28:29,880 --> 00:28:33,480 Speaker 4: afford you. Well, yeah, well, I never cut you out. 496 00:28:37,280 --> 00:28:37,560 Speaker 4: I know. 497 00:28:37,680 --> 00:28:40,160 Speaker 10: Funny as we get old, my wife and I, you know, 498 00:28:40,200 --> 00:28:43,000 Speaker 10: we'll have different medical maladies, or we'll do something dumb, 499 00:28:43,680 --> 00:28:45,440 Speaker 10: you know, shoot back my car into a post. I'll 500 00:28:45,480 --> 00:28:47,400 Speaker 10: back my car into the garage door or something like that. 501 00:28:47,960 --> 00:28:50,120 Speaker 10: And it's funny we say that. We will go you're expensive. 502 00:28:50,320 --> 00:28:53,040 Speaker 10: See you're expensive, See you're expensive. 503 00:28:53,120 --> 00:28:54,760 Speaker 2: Worth it? Kind of. 504 00:28:57,080 --> 00:28:58,240 Speaker 10: At the time, we always. 505 00:28:58,040 --> 00:29:04,920 Speaker 4: Question and I know what you are. You're invaluable and 506 00:29:05,120 --> 00:29:07,680 Speaker 4: we're lucky to have you. What's going on on? Your 507 00:29:07,680 --> 00:29:08,280 Speaker 4: show tonight. 508 00:29:08,400 --> 00:29:10,920 Speaker 10: So I'm so glad you know you've got your scammer's 509 00:29:10,960 --> 00:29:11,520 Speaker 10: gonna scam. 510 00:29:11,560 --> 00:29:13,280 Speaker 2: I'm gonna get into it. Yeah in a moment. 511 00:29:13,400 --> 00:29:16,800 Speaker 10: Yeah, Yeah, I've got some scammers going to high tech 512 00:29:16,840 --> 00:29:19,560 Speaker 10: scam pull me up at five thirty tonight. So that's 513 00:29:19,600 --> 00:29:22,040 Speaker 10: that's a big well dive into the Epstein files, and 514 00:29:22,240 --> 00:29:26,160 Speaker 10: there still remains this amazing question, like if there's something 515 00:29:26,160 --> 00:29:30,280 Speaker 10: about Trump in there, why didn't the Democrats use it? Yeah, 516 00:29:30,680 --> 00:29:34,440 Speaker 10: there's something about the Democrats in there? Why isn't Trump 517 00:29:34,600 --> 00:29:37,680 Speaker 10: using it? Yeah, So we are going to ask the 518 00:29:37,800 --> 00:29:40,600 Speaker 10: question for the talk back tonight is what do you 519 00:29:40,640 --> 00:29:42,000 Speaker 10: think is in the Epstein. 520 00:29:41,640 --> 00:29:43,720 Speaker 2: Fi Oh you're brave, Oh, you're brave. 521 00:29:44,080 --> 00:29:46,880 Speaker 10: I can't help but to think that it's mutually assured 522 00:29:46,960 --> 00:29:51,360 Speaker 10: destruction for political leaders. I mean, it's the only explanation 523 00:29:51,440 --> 00:29:53,560 Speaker 10: I can come up with, right, unless there's some sort 524 00:29:53,600 --> 00:29:57,320 Speaker 10: of classified something or the rumors about him serving as 525 00:29:57,320 --> 00:29:59,040 Speaker 10: a spy or sharing state secrets. 526 00:29:59,120 --> 00:30:01,040 Speaker 4: I didn't know what you were going say. After you 527 00:30:01,160 --> 00:30:04,120 Speaker 4: said serving it, it made me nervous. 528 00:30:04,520 --> 00:30:07,720 Speaker 2: Stop, I didn't know. This week has been rough. 529 00:30:08,200 --> 00:30:10,080 Speaker 10: Wow, it has been a long week. 530 00:30:10,320 --> 00:30:10,520 Speaker 2: Yeah. 531 00:30:10,560 --> 00:30:12,560 Speaker 7: I believe that this time last week the government was 532 00:30:12,600 --> 00:30:13,240 Speaker 7: still shut down. 533 00:30:13,600 --> 00:30:16,320 Speaker 2: You know it. I feel like it was a month ago. Yes, 534 00:30:16,920 --> 00:30:17,760 Speaker 2: isn't that crazy? 535 00:30:18,000 --> 00:30:20,080 Speaker 4: Too much news this week that we didn't ask for, 536 00:30:20,840 --> 00:30:24,000 Speaker 4: but that we deserve. You stayed dry, I did. I'm 537 00:30:24,040 --> 00:30:26,360 Speaker 4: going to continue to try because it's coming back. 538 00:30:26,760 --> 00:30:27,440 Speaker 2: It's coming back. 539 00:30:27,520 --> 00:30:31,160 Speaker 10: Oh, all the stories like the tree falling on the 540 00:30:31,200 --> 00:30:32,040 Speaker 10: car boo. 541 00:30:32,120 --> 00:30:34,320 Speaker 2: We survived the storm of twenty twenty five. 542 00:30:35,120 --> 00:30:35,880 Speaker 10: We will rebuild. 543 00:30:36,000 --> 00:30:39,600 Speaker 4: We will rebuild soft soft pansies. 544 00:30:39,800 --> 00:30:41,320 Speaker 10: A little bit about that. We'll talk about the Lakers 545 00:30:41,360 --> 00:30:44,840 Speaker 10: probe that's going on, and of course, uh the lawmakers, 546 00:30:44,880 --> 00:30:46,280 Speaker 10: the lawbreakers at the times that there ought to be 547 00:30:46,320 --> 00:30:47,320 Speaker 10: a law la Low coming. 548 00:30:47,240 --> 00:30:47,880 Speaker 2: Up before thirty. 549 00:30:47,920 --> 00:30:50,600 Speaker 4: I can't wait to listen on my way home, Chris, 550 00:30:50,680 --> 00:30:52,360 Speaker 4: I just I adore you so much. 551 00:30:52,800 --> 00:30:55,960 Speaker 2: You, Oh, I adore you. Believe you're worth it. You're 552 00:30:56,000 --> 00:31:02,760 Speaker 2: like Fabling, You're worth it. Oh, merrily very good bye. Chris. 553 00:31:02,240 --> 00:31:04,360 Speaker 2: Scammer's gonna scam. 554 00:31:04,440 --> 00:31:07,000 Speaker 4: Let me tell you about the latest scam that you 555 00:31:07,080 --> 00:31:10,880 Speaker 4: should be aware of, because this is one that practically 556 00:31:11,040 --> 00:31:12,760 Speaker 4: everyone can fall victim to. 557 00:31:13,320 --> 00:31:16,000 Speaker 2: If you have a porch, if you have a. 558 00:31:17,280 --> 00:31:20,720 Speaker 4: Place in which your packages arrived to when you order 559 00:31:21,160 --> 00:31:23,960 Speaker 4: if you know you've ever ordered anything online, then you 560 00:31:24,200 --> 00:31:27,760 Speaker 4: are the target for this scam. And the sucky thing 561 00:31:27,800 --> 00:31:32,440 Speaker 4: about it is it's happening with you just existing. That's 562 00:31:32,480 --> 00:31:36,120 Speaker 4: the sucky part. What it is is the Better Business Bureau, 563 00:31:36,200 --> 00:31:39,920 Speaker 4: the BBB is telling us all in a very alarming 564 00:31:39,960 --> 00:31:46,000 Speaker 4: way about a sharp rise in something called brushing scams. 565 00:31:46,920 --> 00:31:50,480 Speaker 4: Brushing scams. I don't know how they name these scams 566 00:31:50,520 --> 00:31:53,320 Speaker 4: or where these names come from, but at any rate, 567 00:31:53,440 --> 00:31:57,600 Speaker 4: a brushing scam is where a consumer like you receives 568 00:31:57,680 --> 00:31:59,680 Speaker 4: an unordered package. 569 00:31:59,720 --> 00:32:01,480 Speaker 2: You go, so, WHOA, I got a present? 570 00:32:02,080 --> 00:32:05,479 Speaker 4: A package comes to you and you open it and 571 00:32:05,520 --> 00:32:07,360 Speaker 4: you go, I didn't order this? 572 00:32:07,760 --> 00:32:09,520 Speaker 2: Wait, what's this? Who ordered this? 573 00:32:10,200 --> 00:32:13,160 Speaker 4: And before you know it, you're so involved in the 574 00:32:13,440 --> 00:32:17,880 Speaker 4: question that you forget that if it has anything in 575 00:32:17,920 --> 00:32:21,600 Speaker 4: there that requires you to use your cellular device to 576 00:32:22,640 --> 00:32:26,840 Speaker 4: track or scan, then it probably is a problem. These 577 00:32:27,120 --> 00:32:32,400 Speaker 4: packages contain a QR code. Those are those square, squiggly 578 00:32:32,440 --> 00:32:35,760 Speaker 4: line codes that you can scan with your phone, and 579 00:32:35,840 --> 00:32:42,040 Speaker 4: it exposes your personal information and or can compromise your 580 00:32:42,200 --> 00:32:47,080 Speaker 4: phone or tablet whatever you use to scam. Brushing scams 581 00:32:47,160 --> 00:32:51,959 Speaker 4: target anyone who shops online. That's all of us practically, 582 00:32:52,320 --> 00:32:55,560 Speaker 4: and it trusts that you think that the package that 583 00:32:55,720 --> 00:32:59,280 Speaker 4: arrived at your doorstep or at your mailbox is in 584 00:32:59,320 --> 00:33:05,680 Speaker 4: fact it's yours. In other words, everyone's vulnerable. Here is 585 00:33:05,720 --> 00:33:12,040 Speaker 4: a typical brushing scam example. The scammers will ship an inexpensive. 586 00:33:11,200 --> 00:33:13,480 Speaker 2: Product to random addresses. 587 00:33:13,640 --> 00:33:18,920 Speaker 4: So you get a box of whatever issue inexpensive product, okay, 588 00:33:19,560 --> 00:33:23,600 Speaker 4: And it will sometimes include inside of that box a 589 00:33:23,760 --> 00:33:29,200 Speaker 4: QR code or phony return instructions because you see it 590 00:33:29,280 --> 00:33:31,040 Speaker 4: and you go out and order this, and if you 591 00:33:31,120 --> 00:33:33,160 Speaker 4: didn't order it, and you're the type of person to 592 00:33:33,280 --> 00:33:36,400 Speaker 4: send something back, then that will give you the instructions 593 00:33:36,440 --> 00:33:42,280 Speaker 4: to do so. Now your identity is then compromised because 594 00:33:42,320 --> 00:33:45,680 Speaker 4: when you are filling out the return information, whether digitally 595 00:33:46,000 --> 00:33:50,000 Speaker 4: or by the return label, whatever it may be, your 596 00:33:50,000 --> 00:33:55,920 Speaker 4: identity information goes into that without your consent, and there 597 00:33:55,960 --> 00:34:00,240 Speaker 4: you go, You've now been taken. When scanned, the these 598 00:34:00,320 --> 00:34:06,240 Speaker 4: codes often linked to convincing but fake order tracking websites 599 00:34:06,600 --> 00:34:11,200 Speaker 4: or phishing portals. pH phishing not f the kind that 600 00:34:11,560 --> 00:34:15,799 Speaker 4: look to extract your unique and personalized information and it 601 00:34:15,840 --> 00:34:23,040 Speaker 4: aims to gather sensitive information or install malware on your smartphone. 602 00:34:23,880 --> 00:34:28,719 Speaker 4: Oh my gosh, and these scams are up. They are 603 00:34:28,920 --> 00:34:34,239 Speaker 4: up forty six percent in twenty twenty five compared to 604 00:34:34,520 --> 00:34:38,640 Speaker 4: twenty twenty four. They're saying it reflects a troubling escalation 605 00:34:38,880 --> 00:34:43,839 Speaker 4: in both scale and sophistication because they know how to 606 00:34:43,920 --> 00:34:46,160 Speaker 4: do this in a way that's so covert and so 607 00:34:46,280 --> 00:34:48,440 Speaker 4: sneaky that you're gonna fall for it. 608 00:34:49,239 --> 00:34:49,520 Speaker 2: Now. 609 00:34:50,200 --> 00:34:53,640 Speaker 4: Experts are saying that as the holiday season approaches and 610 00:34:53,680 --> 00:34:58,040 Speaker 4: you're receiving package after package after package, it's really important 611 00:34:58,040 --> 00:35:01,880 Speaker 4: to keep good record of fa everything you've ordered. 612 00:35:02,920 --> 00:35:04,560 Speaker 2: If you are the type of person. 613 00:35:04,360 --> 00:35:07,880 Speaker 4: Who just click by click by click purchase, click purchase, 614 00:35:07,920 --> 00:35:11,319 Speaker 4: and you're just your rapid fire ordering, or someone in 615 00:35:11,360 --> 00:35:14,600 Speaker 4: your household is, or you have kids or whomever, and 616 00:35:14,680 --> 00:35:17,560 Speaker 4: these things are coming to your doorstep, to your mailbox, 617 00:35:17,640 --> 00:35:20,759 Speaker 4: to your PO box, whatever it may be, you have 618 00:35:20,840 --> 00:35:24,000 Speaker 4: to keep good record of this because if not, you 619 00:35:24,080 --> 00:35:27,239 Speaker 4: could fall vulnerable. They are saying, if you receive a 620 00:35:27,320 --> 00:35:31,760 Speaker 4: package that you didn't order, resist the urge to scan 621 00:35:32,200 --> 00:35:36,680 Speaker 4: any QR code, do not fill out anything to send 622 00:35:36,719 --> 00:35:41,520 Speaker 4: it back, check your accounts as well, and report this 623 00:35:41,719 --> 00:35:47,080 Speaker 4: package to the Better Business Bureaus scam tracker. They have 624 00:35:47,200 --> 00:35:51,120 Speaker 4: a scam tracker online. Just put in the information. Do 625 00:35:51,400 --> 00:35:54,280 Speaker 4: not scan these things with your phone or your tablet. 626 00:35:54,280 --> 00:35:57,319 Speaker 4: Don't let the kids do it, because the first instinct 627 00:35:57,719 --> 00:36:00,840 Speaker 4: is to point a phone at these little codes. Don't 628 00:36:01,080 --> 00:36:05,600 Speaker 4: do that because your information can be phished or extracted, 629 00:36:06,400 --> 00:36:08,279 Speaker 4: and then you're in a world of hurt, and then 630 00:36:08,320 --> 00:36:11,640 Speaker 4: you can't buy Netflix. You won't have Netflix money for 631 00:36:11,680 --> 00:36:14,040 Speaker 4: the next month, or Nike money for the next month 632 00:36:14,120 --> 00:36:18,520 Speaker 4: like Mario and I or Beautiful Christmas Tree money. That's 633 00:36:18,560 --> 00:36:21,720 Speaker 4: been a fun show. It's been great. Chris merrill is next. 634 00:36:21,760 --> 00:36:24,440 Speaker 4: I've had a blast sitting in for Andy. I'm sure 635 00:36:24,480 --> 00:36:26,759 Speaker 4: he'll be back and he's looking forward to it. I'll 636 00:36:26,800 --> 00:36:30,040 Speaker 4: see you here next Saturday from five to seven on 637 00:36:30,080 --> 00:36:33,000 Speaker 4: my regular show Saturdays with Tiffany. If you missed any 638 00:36:33,040 --> 00:36:36,040 Speaker 4: part of tonight's show, you can go to featured segments, 639 00:36:36,200 --> 00:36:38,399 Speaker 4: usually under Saturdays with Tiffany, but we've had a little 640 00:36:38,400 --> 00:36:40,840 Speaker 4: switcher roof, so right now it's under featured Segments. You 641 00:36:40,840 --> 00:36:43,320 Speaker 4: can get it there. Everything will be on my page 642 00:36:43,800 --> 00:36:46,080 Speaker 4: in the very near future. You can also get me 643 00:36:46,200 --> 00:36:50,759 Speaker 4: on Instagram at tiff hobbs On here, at tiff hobbs 644 00:36:50,840 --> 00:36:54,160 Speaker 4: On here. We can continue the conversation. Thanks to Steven 645 00:36:54,320 --> 00:36:56,880 Speaker 4: and Robert for calling in and for listening, and for 646 00:36:56,880 --> 00:36:59,280 Speaker 4: those of you who couldn't get through or whose talkbacks 647 00:36:59,280 --> 00:37:02,600 Speaker 4: we couldn't play, I appreciate you have a safe and 648 00:37:02,920 --> 00:37:04,640 Speaker 4: dry rest of your weekend. 649 00:37:04,640 --> 00:37:05,680 Speaker 2: I'll talk to you Saturday. 650 00:37:05,800 --> 00:37:09,319 Speaker 4: Chris Merril's next kf I AM six forty Live everywhere 651 00:37:09,480 --> 00:37:11,759 Speaker 4: on the iHeartRadio app by 652 00:37:12,560 --> 00:37:15,120 Speaker 1: KFI AM six forty on demand