1 00:00:00,040 --> 00:00:02,080 Speaker 1: Every Sunday from twelve to two pm. 2 00:00:02,480 --> 00:00:04,520 Speaker 2: What I find kind of interesting and I didn't even 3 00:00:04,559 --> 00:00:09,719 Speaker 2: know this, and that's that there are certain bankruptcy attorneys 4 00:00:09,960 --> 00:00:14,840 Speaker 2: that are actually open and usually they listen. People listen 5 00:00:14,920 --> 00:00:17,680 Speaker 2: to Joel on the way to the bankruptcy attorney and 6 00:00:17,800 --> 00:00:20,600 Speaker 2: figure out how their life is going to end very quickly. 7 00:00:20,680 --> 00:00:22,439 Speaker 1: Joel. Good morning, morning Bill. 8 00:00:22,800 --> 00:00:26,040 Speaker 2: Yeah, Joel is Sunday, twelve pm to two pm at 9 00:00:26,079 --> 00:00:28,480 Speaker 2: How to Money, Joel, all Right, A couple of things, 10 00:00:28,560 --> 00:00:32,120 Speaker 2: and this one is weird. I'm sure that this was 11 00:00:32,600 --> 00:00:35,760 Speaker 2: there's something wrong with this. Going to a wedding. Going 12 00:00:35,800 --> 00:00:39,440 Speaker 2: to a wedding is now as expensive as a month's rent. 13 00:00:39,600 --> 00:00:43,080 Speaker 1: Do I have that right? Not throwing a wedding, but going. 14 00:00:42,800 --> 00:00:47,480 Speaker 3: To Yeah, just just attending and participating in. And basically 15 00:00:47,520 --> 00:00:49,639 Speaker 3: what they're saying is that, you know, for people who 16 00:00:49,680 --> 00:00:53,960 Speaker 3: are in the wedding party, all of the stuff involved 17 00:00:54,120 --> 00:00:56,920 Speaker 3: with being a part of the crew, it's expensive. And 18 00:00:57,520 --> 00:01:00,400 Speaker 3: I think it's true. Like it's think about eyeing the 19 00:01:00,440 --> 00:01:04,480 Speaker 3: suit or the dress if you are if you're a groomsman, 20 00:01:05,319 --> 00:01:09,560 Speaker 3: like think about the bachelorette party, the bachelor party. Those 21 00:01:09,560 --> 00:01:11,720 Speaker 3: have been ramped up in recent years, and so often 22 00:01:11,720 --> 00:01:14,760 Speaker 3: they involve a destination and running a place and going 23 00:01:14,800 --> 00:01:16,800 Speaker 3: out and stuff like that, and so I think especially 24 00:01:17,040 --> 00:01:18,080 Speaker 3: for young people, I'm out. 25 00:01:17,920 --> 00:01:18,400 Speaker 1: Of this phase. 26 00:01:18,400 --> 00:01:20,319 Speaker 3: Bill, haven't been in this phase for a while of 27 00:01:20,360 --> 00:01:22,920 Speaker 3: like all my friends getting married. But when you are 28 00:01:23,520 --> 00:01:26,479 Speaker 3: invited to participate, it's an honor, and then you realize, 29 00:01:26,920 --> 00:01:28,920 Speaker 3: holy mackerel, this is going to cost me a lot 30 00:01:28,920 --> 00:01:31,560 Speaker 3: of money to actually participate in the way my friend 31 00:01:31,560 --> 00:01:33,360 Speaker 3: wants me to be able to participate. This is actually 32 00:01:33,360 --> 00:01:36,200 Speaker 3: going to be a financial obligation. At the same time, well, 33 00:01:36,240 --> 00:01:37,399 Speaker 3: there's a couple of ways around it. 34 00:01:37,480 --> 00:01:41,160 Speaker 2: And by the way, I'm still in I'm going to weddings, 35 00:01:41,240 --> 00:01:44,520 Speaker 2: usually fourth or fifth weddings that my friends are having. 36 00:01:45,440 --> 00:01:48,880 Speaker 2: And when they say we'd love you to be a groomsman, 37 00:01:48,960 --> 00:01:51,160 Speaker 2: and all I have to do is rent this tuxedo 38 00:01:51,280 --> 00:01:54,400 Speaker 2: at one hundred and fifty dollars and kick into the 39 00:01:54,400 --> 00:01:58,800 Speaker 2: bachelor party, the quick answer is no, thanks. 40 00:01:59,200 --> 00:01:59,960 Speaker 1: Have fewer friends. 41 00:02:00,200 --> 00:02:03,240 Speaker 3: I think is one piece of advice, right that you 42 00:02:03,280 --> 00:02:06,320 Speaker 3: could follow in order to save money and then or yeah, 43 00:02:06,360 --> 00:02:08,760 Speaker 3: you could say no, or I think there's also just 44 00:02:08,840 --> 00:02:13,079 Speaker 3: ways to lean in and say, hey, like, what are 45 00:02:13,160 --> 00:02:16,280 Speaker 3: the obligations going to be I'd love to participate, but 46 00:02:16,360 --> 00:02:18,679 Speaker 3: I'm also worried about my finances. And if we're going 47 00:02:18,720 --> 00:02:21,760 Speaker 3: on some sort of fat, fancy, you know, bachelor trip 48 00:02:21,880 --> 00:02:25,200 Speaker 3: like then bachelor party trip, then I'm a little nervous 49 00:02:25,200 --> 00:02:26,840 Speaker 3: I won't be able to participate in that part of it. 50 00:02:27,560 --> 00:02:29,000 Speaker 3: I think you could be honest with your friends and 51 00:02:29,040 --> 00:02:32,519 Speaker 3: typically that. I don't think people view it in the 52 00:02:32,560 --> 00:02:34,080 Speaker 3: way that used to thirty years ago. I don't think 53 00:02:34,120 --> 00:02:35,560 Speaker 3: there's a shame in that game. I think you can 54 00:02:35,639 --> 00:02:37,520 Speaker 3: just be honest and say, listen, I want to participate 55 00:02:37,560 --> 00:02:38,840 Speaker 3: in the ways I can't, but I can't afford that 56 00:02:38,880 --> 00:02:39,240 Speaker 3: part of it. 57 00:02:39,560 --> 00:02:41,960 Speaker 1: Yeah, or do what I do. I have plenty of money. 58 00:02:42,000 --> 00:02:44,960 Speaker 2: I could easily afford it, but you are not worth it. 59 00:02:45,280 --> 00:02:48,000 Speaker 2: I am not going to spend this kind of money. 60 00:02:48,400 --> 00:02:49,600 Speaker 3: You could be that rtally honest. 61 00:02:50,040 --> 00:02:52,640 Speaker 2: Yeah, but it can be expensive, you know I have. 62 00:02:53,080 --> 00:02:56,440 Speaker 2: I'm no joking. I have bailed out and said it's 63 00:02:56,480 --> 00:02:59,680 Speaker 2: not worth it. I will be glad to sit in 64 00:02:59,720 --> 00:03:02,760 Speaker 2: the audience and watch what's going on. 65 00:03:02,880 --> 00:03:03,959 Speaker 1: I don't have to be up there. 66 00:03:04,760 --> 00:03:07,120 Speaker 3: When I got married, I had one of my best friends. 67 00:03:07,160 --> 00:03:10,000 Speaker 3: I asked him to be a groomsman, and he said no, 68 00:03:10,880 --> 00:03:12,600 Speaker 3: and he was a photographer, and so he said, actually, 69 00:03:12,600 --> 00:03:14,440 Speaker 3: I'm gonna I'm gonna shoot the wedding. Can you pay 70 00:03:14,440 --> 00:03:16,320 Speaker 3: me to do that? And so he took the opposite approach, 71 00:03:16,320 --> 00:03:17,359 Speaker 3: and he was like, I'm gonna find a way to 72 00:03:17,360 --> 00:03:19,080 Speaker 3: make money off your wedding instead of paying money to 73 00:03:19,120 --> 00:03:19,480 Speaker 3: be in it. 74 00:03:20,040 --> 00:03:22,200 Speaker 1: So he charged you. He charged me. 75 00:03:22,639 --> 00:03:26,880 Speaker 2: Good for him, I know, right, Yeah that works now. 76 00:03:27,400 --> 00:03:32,519 Speaker 2: Neil was my best man, and I'm going to invoice 77 00:03:32,560 --> 00:03:32,960 Speaker 2: you too. 78 00:03:33,320 --> 00:03:36,040 Speaker 1: Yeah. Of course Neil was my best man. 79 00:03:36,600 --> 00:03:40,280 Speaker 2: And the only thing I asked is that everybody wear 80 00:03:40,680 --> 00:03:44,440 Speaker 2: the groomsman if you will, just wear a dark suit, right, 81 00:03:44,600 --> 00:03:47,680 Speaker 2: just and the only people that had to wear a 82 00:03:48,240 --> 00:03:53,000 Speaker 2: charcoal suit that matched my suit and neil suit, as 83 00:03:53,040 --> 00:03:55,800 Speaker 2: I am my best man. And Neil came through, didn't 84 00:03:55,840 --> 00:03:58,920 Speaker 2: you Eel You went out and bought a suit? 85 00:03:59,440 --> 00:04:01,760 Speaker 1: Oh no, hold on, I'll tell you what I did. 86 00:04:02,160 --> 00:04:06,080 Speaker 1: I went out and buy your soup. What happened together? 87 00:04:06,480 --> 00:04:08,960 Speaker 1: And then I went, oh, no, no, I got it. 88 00:04:09,600 --> 00:04:11,440 Speaker 1: I got it, don't worry. And Bill goes, no, I 89 00:04:11,480 --> 00:04:13,080 Speaker 1: got it, and I said, You're damn right, you do. 90 00:04:13,680 --> 00:04:17,880 Speaker 3: And then they brought in four bolts of material to 91 00:04:18,200 --> 00:04:19,880 Speaker 3: weave together a suit that fit. 92 00:04:20,320 --> 00:04:21,280 Speaker 1: It was beautiful. 93 00:04:21,680 --> 00:04:25,120 Speaker 2: Now to realistically, Okay, I'm going to tell you a 94 00:04:25,240 --> 00:04:28,960 Speaker 2: true story. There's a little inside baseball, and that is 95 00:04:29,440 --> 00:04:33,120 Speaker 2: we pulled out the biggest suit they had and and 96 00:04:33,200 --> 00:04:38,279 Speaker 2: I'm not exaggerating, it costs more money to alter the 97 00:04:38,440 --> 00:04:41,680 Speaker 2: suit to fit Neil to take it out than the 98 00:04:41,800 --> 00:04:43,839 Speaker 2: suit itself. 99 00:04:44,320 --> 00:04:49,440 Speaker 1: That's absolutely true. Out the suit. It's true. 100 00:04:49,480 --> 00:04:51,800 Speaker 2: We almost had two You almost had two suits put 101 00:04:51,839 --> 00:04:53,000 Speaker 2: together to make it work. 102 00:04:53,320 --> 00:04:56,760 Speaker 1: I had four arms, four pant legs. It was beautiful. 103 00:04:57,720 --> 00:04:59,640 Speaker 2: Neil came in with a Neil came in with the 104 00:04:59,640 --> 00:05:02,960 Speaker 2: best idea of all since weekend, since I bought a 105 00:05:03,000 --> 00:05:06,120 Speaker 2: suit and Neil got a suit, he suggested that we 106 00:05:06,160 --> 00:05:10,200 Speaker 2: put the two suits together and so you had two arms, 107 00:05:10,279 --> 00:05:13,520 Speaker 2: one arm for me, one arm for Neil, two heads, 108 00:05:15,200 --> 00:05:17,960 Speaker 2: three legs, so we would hop and walk down as 109 00:05:18,040 --> 00:05:19,080 Speaker 2: conjoined twins. 110 00:05:19,480 --> 00:05:20,359 Speaker 1: I like it. I like it. 111 00:05:20,360 --> 00:05:21,919 Speaker 3: It's got like a dumb and dumber vibe going on. 112 00:05:22,120 --> 00:05:24,960 Speaker 2: I thought it was, and I really wanted. I came 113 00:05:25,200 --> 00:05:27,279 Speaker 2: very close to doing that. But I have a certain 114 00:05:27,279 --> 00:05:29,800 Speaker 2: person in my life said, you are dreaming. If you're 115 00:05:29,800 --> 00:05:35,719 Speaker 2: going to do that, Yeah, it wasn't gonna happen, all right, Joel. 116 00:05:35,880 --> 00:05:40,200 Speaker 2: It used to be that if you didn't go to college, 117 00:05:40,680 --> 00:05:46,640 Speaker 2: that was something that you were almost embarrassed because it 118 00:05:46,640 --> 00:05:51,320 Speaker 2: depends on the culture. But to me, going to college 119 00:05:51,560 --> 00:05:54,440 Speaker 2: was like gravity. I woke up in the morning, my heat, 120 00:05:54,560 --> 00:05:57,680 Speaker 2: my feet hit the floor instead of the ceiling. I mean, 121 00:05:57,680 --> 00:06:01,120 Speaker 2: it was sort of automatic, and so was college not anymore. 122 00:06:01,480 --> 00:06:03,159 Speaker 1: The world has changed, hasn't it. 123 00:06:04,240 --> 00:06:07,080 Speaker 3: Yeah, it sure has. And I don't necessarily think it's 124 00:06:07,120 --> 00:06:11,360 Speaker 3: because college is unimportant or it doesn't make a big 125 00:06:11,360 --> 00:06:15,440 Speaker 3: difference in your earning trajectory over your lifetime. It still does. 126 00:06:15,480 --> 00:06:18,400 Speaker 3: When you look at the numbers, the average person with 127 00:06:18,440 --> 00:06:22,720 Speaker 3: a high school diploma and a college degree that the 128 00:06:23,120 --> 00:06:26,159 Speaker 3: average earning is different is something like a million dollars 129 00:06:26,240 --> 00:06:28,880 Speaker 3: over the course of your career. And so yeah, that's 130 00:06:28,920 --> 00:06:31,640 Speaker 3: still it still matters. But it's really been interesting to 131 00:06:31,680 --> 00:06:35,920 Speaker 3: see the growing skepticism that the general American public has 132 00:06:36,080 --> 00:06:38,400 Speaker 3: about the value of college and whether it's worth it 133 00:06:38,520 --> 00:06:40,880 Speaker 3: or not. And Gallup does this poll every year, They've 134 00:06:40,920 --> 00:06:44,400 Speaker 3: been doing it for decades, and something like a third 135 00:06:44,600 --> 00:06:47,359 Speaker 3: of Americans now think college is very important. That was 136 00:06:47,400 --> 00:06:51,000 Speaker 3: three quarters of Americans back in twenty ten, so just 137 00:06:51,040 --> 00:06:57,040 Speaker 3: fifteen years ago. The massive at least belief that people 138 00:06:57,080 --> 00:06:59,800 Speaker 3: have in how important going to college is. It's the 139 00:07:00,040 --> 00:07:03,279 Speaker 3: mine precipitously. I think that's a few different things that 140 00:07:03,320 --> 00:07:06,040 Speaker 3: are contributing to that, but I think probably the number 141 00:07:06,080 --> 00:07:10,240 Speaker 3: one thing is how student loans have burdened people massively, 142 00:07:10,320 --> 00:07:13,440 Speaker 3: which comes down to really how expensive college has become. 143 00:07:14,320 --> 00:07:17,440 Speaker 2: Hey, I have a question, and I noted this as 144 00:07:17,480 --> 00:07:21,600 Speaker 2: we talk about it is over a lifetime a million dollars, 145 00:07:22,080 --> 00:07:24,920 Speaker 2: let's say, and that's probably a pretty fair figure. Well, 146 00:07:25,560 --> 00:07:31,040 Speaker 2: that's people who if you look backwards, if you look prospectively, 147 00:07:31,200 --> 00:07:33,720 Speaker 2: we're not going to know if that figure is a 148 00:07:33,800 --> 00:07:39,720 Speaker 2: million dollars until people retire fifty years from now or 149 00:07:39,760 --> 00:07:42,960 Speaker 2: forty years from now. And when you look at high 150 00:07:42,960 --> 00:07:46,800 Speaker 2: school versus college, first of all, you're four years ahead 151 00:07:46,800 --> 00:07:49,120 Speaker 2: of the game. Is if you go out of high school, 152 00:07:49,440 --> 00:07:53,120 Speaker 2: if you start getting a job, a blue collar job 153 00:07:53,160 --> 00:07:57,400 Speaker 2: that's highly skilled versus what you can get with college today, 154 00:07:58,000 --> 00:08:00,679 Speaker 2: I would say a blue collar job is worth more, 155 00:08:00,800 --> 00:08:02,160 Speaker 2: certainly in the short term. 156 00:08:02,520 --> 00:08:03,960 Speaker 1: And with blue collar. 157 00:08:03,760 --> 00:08:07,360 Speaker 2: Jobs you normally don't get student loans, or if you do, 158 00:08:07,920 --> 00:08:11,520 Speaker 2: they're very small. I'm willing to bet that if we 159 00:08:11,640 --> 00:08:15,640 Speaker 2: talk and we look prospectively at the next forty years, 160 00:08:15,760 --> 00:08:17,880 Speaker 2: I think that number is going to change, where a 161 00:08:17,960 --> 00:08:20,800 Speaker 2: college degree is not going to be worth as much 162 00:08:21,240 --> 00:08:24,160 Speaker 2: as a good, highly paid blue collar job. 163 00:08:24,960 --> 00:08:25,560 Speaker 1: I think you're right. 164 00:08:25,600 --> 00:08:27,480 Speaker 3: I mean, I think the gap between those is closed, 165 00:08:27,480 --> 00:08:29,600 Speaker 3: and I think you have to look at what degree 166 00:08:29,640 --> 00:08:33,120 Speaker 3: are you getting, what is it going to get you 167 00:08:33,200 --> 00:08:35,880 Speaker 3: at the end of the day, Because if you're getting 168 00:08:35,920 --> 00:08:39,000 Speaker 3: a degree in engineering, then that's one thing, right that 169 00:08:39,720 --> 00:08:42,120 Speaker 3: you might be able to be in that upper echelon 170 00:08:42,640 --> 00:08:46,960 Speaker 3: of income earners. And if you're getting a degree in 171 00:08:47,040 --> 00:08:51,920 Speaker 3: English literature, let's say, not to denigrate that as a choice, 172 00:08:51,960 --> 00:08:54,000 Speaker 3: but truly, especially depending on how much you're going to 173 00:08:54,040 --> 00:08:56,040 Speaker 3: pay for that degree, you might not find that it 174 00:08:56,040 --> 00:08:57,720 Speaker 3: pays off in the same way. And I just think 175 00:08:58,600 --> 00:09:01,520 Speaker 3: back in the day twenty thirty four years ago, getting 176 00:09:01,559 --> 00:09:04,760 Speaker 3: a degree was was the most important thing, and even 177 00:09:04,800 --> 00:09:07,560 Speaker 3: if you got it in something that wasn't necessarily like 178 00:09:08,000 --> 00:09:11,080 Speaker 3: highly applicable or leading to an immediate six figure job, 179 00:09:11,480 --> 00:09:14,240 Speaker 3: it could still mean and it still often did mean, 180 00:09:14,559 --> 00:09:18,480 Speaker 3: increase lifetime earnings. But I think with artificial intelligence, harming 181 00:09:18,600 --> 00:09:21,720 Speaker 3: especially some of those people at the very beginning of 182 00:09:21,760 --> 00:09:25,280 Speaker 3: their career ladder, taking over some of those jobs, or 183 00:09:25,320 --> 00:09:27,679 Speaker 3: at least making some of those jobs less relevant or 184 00:09:28,280 --> 00:09:31,040 Speaker 3: maybe leading to lower pay in some of those early 185 00:09:31,120 --> 00:09:34,000 Speaker 3: postgraduate years. I think you really do have to do 186 00:09:34,080 --> 00:09:36,480 Speaker 3: a different value assessment. And the people that are ultimately 187 00:09:36,480 --> 00:09:38,840 Speaker 3: in the worst possible place when we're talking about college 188 00:09:38,920 --> 00:09:40,560 Speaker 3: is the people that go for two or three years 189 00:09:40,559 --> 00:09:42,480 Speaker 3: and then don't get the degree. I was talking to 190 00:09:42,520 --> 00:09:44,400 Speaker 3: a friend the other day and her son's been going 191 00:09:44,400 --> 00:09:46,720 Speaker 3: to school for a couple of years. He's racked up 192 00:09:46,760 --> 00:09:49,120 Speaker 3: a little bit of student loan debt, fortunately not a lot, 193 00:09:49,280 --> 00:09:51,480 Speaker 3: but so oftentimes it's the people who are like, I'm 194 00:09:51,520 --> 00:09:52,800 Speaker 3: not sure what I want to do. Let me go 195 00:09:52,840 --> 00:09:54,760 Speaker 3: to college, let me figure it out, and then they 196 00:09:54,800 --> 00:09:57,240 Speaker 3: take on, you know, tens of thousands of dollars in 197 00:09:57,320 --> 00:09:59,640 Speaker 3: student loan debt. They don't graduate, they don't have the 198 00:09:59,640 --> 00:10:01,720 Speaker 3: degree that drives up their earnings, and they still have 199 00:10:01,760 --> 00:10:02,920 Speaker 3: student loan debt to pay off. 200 00:10:03,160 --> 00:10:07,000 Speaker 2: Yeah, and the cost of course of tuition, to your point, 201 00:10:07,240 --> 00:10:11,320 Speaker 2: is absolutely insane. When I went to law school and 202 00:10:11,840 --> 00:10:17,080 Speaker 2: they raise the per unit cost from fifty five dollars 203 00:10:17,120 --> 00:10:19,280 Speaker 2: a unit to sixty five dollars a unit. 204 00:10:19,360 --> 00:10:21,920 Speaker 1: There was almost the riot at high school. 205 00:10:22,280 --> 00:10:22,880 Speaker 3: I believe it. 206 00:10:23,040 --> 00:10:23,400 Speaker 2: I believe. 207 00:10:23,520 --> 00:10:25,200 Speaker 3: One of the other things I think we should probably 208 00:10:25,240 --> 00:10:28,120 Speaker 3: mention real quickly on that front is that when you 209 00:10:28,160 --> 00:10:30,440 Speaker 3: look at the sticker price of college and then the 210 00:10:30,480 --> 00:10:33,800 Speaker 3: actual out the door price, the gap has actually grown there. 211 00:10:34,200 --> 00:10:37,559 Speaker 3: So what looks like like, when you look at the 212 00:10:37,840 --> 00:10:39,559 Speaker 3: website of the school you're interested in going to and 213 00:10:39,600 --> 00:10:42,000 Speaker 3: you see the average annual tuition, you're like, oh my gosh, 214 00:10:42,080 --> 00:10:44,719 Speaker 3: that's insane. But when you think about when you look 215 00:10:44,760 --> 00:10:47,400 Speaker 3: at the merit aid and the need based aid that 216 00:10:48,320 --> 00:10:51,160 Speaker 3: students are able to get these days, if you fill 217 00:10:51,160 --> 00:10:52,679 Speaker 3: out the fast SAD and you jump through the proper 218 00:10:52,679 --> 00:10:55,800 Speaker 3: hoops something like the average private school, the discount is 219 00:10:55,800 --> 00:10:58,520 Speaker 3: something like fifty six percent for students. So if you 220 00:10:58,520 --> 00:11:00,960 Speaker 3: see the forty thousand dollars a year, it's not actually 221 00:11:00,960 --> 00:11:02,719 Speaker 3: forty thousand dollars a year, and you do have to 222 00:11:02,800 --> 00:11:05,880 Speaker 3: jump through those hoops in order to get that discounted price. 223 00:11:05,920 --> 00:11:07,760 Speaker 3: But it is important to note that maybe it's not 224 00:11:08,000 --> 00:11:10,000 Speaker 3: quite as expensive as you might think it is either. 225 00:11:10,480 --> 00:11:14,000 Speaker 2: Yeah, as I've been saying, my daughter is starting a 226 00:11:14,000 --> 00:11:17,600 Speaker 2: master's degree in computer engineering because you can't get a job, 227 00:11:18,440 --> 00:11:22,000 Speaker 2: and so she goes now getting a master's degree, which 228 00:11:22,040 --> 00:11:22,319 Speaker 2: at the. 229 00:11:22,320 --> 00:11:25,640 Speaker 1: End of that she won't have a job. So you 230 00:11:25,679 --> 00:11:26,199 Speaker 1: know what I do. 231 00:11:26,240 --> 00:11:29,640 Speaker 2: I have her practice every day at my espresso machine, 232 00:11:29,640 --> 00:11:35,760 Speaker 2: making coffee. It just is that's a skill, that's a 233 00:11:35,880 --> 00:11:38,920 Speaker 2: skill she can actually use. All right, Joel, we'll catch 234 00:11:38,960 --> 00:11:42,400 Speaker 2: you this Sunday twelve to two pm and he's at 235 00:11:42,440 --> 00:11:43,040 Speaker 2: how to Money. 236 00:11:43,080 --> 00:11:44,960 Speaker 1: Joel, you have a good wedd you too. 237 00:11:44,960 --> 00:11:45,440 Speaker 3: Thanks Bill.