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Speaker 1: Wind Down with Janet Kramer and I Heart Radio jodcast.

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Speaker 1: Oh and Michael Causin, all right, got to change. That's

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Speaker 1: the guitar and I hear things. Do you want to

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Speaker 1: give it a run? It's good. Every time I'm on

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Speaker 1: a podcast, I listen to the opening songs. I want

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Speaker 1: to like get notes. Um, I like it. For those

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Speaker 1: of you that don't know that voice, this is Nick Vale.

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Speaker 1: What's up? Nick? How are you good? How are you?

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Speaker 1: I'm really delightful. Thank you for asking how you are.

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Speaker 1: That's good. Um. So for those of our wind Down

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Speaker 1: listeners that don't know you, let me just give them

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Speaker 1: a little rundown. Nick was on The Bachelor Bachelorte Bachelor

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Speaker 1: in Paradise. You first started Andy dorphan season where you

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Speaker 1: receive the first impression roads five years ago. Five years ago,

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Speaker 1: so if you're like forever kind of confessed his love

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Speaker 1: for her as one of the final two bachelors, Oh Dune,

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Speaker 1: Dune Dune. She chose someone else and then he popped

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Speaker 1: onto Caitlin Bristow's season. It was more or less invited

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Speaker 1: and final growth thereon, she chose Sean ca Dm. She

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Speaker 1: did every everyone knows this okay, and then you want

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Speaker 1: to bachelor on Paradise, But then you had your own

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Speaker 1: season of the Bachelor, which, by the way, when that

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Speaker 1: choice came up, because you were kind of like hated

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Speaker 1: a little bit. Not then, No, because I was when

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Speaker 1: you were a bachelor. No, when I was on That's

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Speaker 1: why I was the Bachelor because of Paradise, because that

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Speaker 1: was oh quite quite much. Yeah. Um, I mean, accord,

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Speaker 1: we all know Janna hated me. I guess no, no, no no, no,

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Speaker 1: it was just an interesting choice because you had already

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Speaker 1: had two shots, three shots apparently. Um, he had staying power.

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Speaker 1: I know, but like both three girls. Well you turned

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Speaker 1: down the one girl? But then did you turn it

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Speaker 1: down because you knew you wanted to be the bachelor? No? No,

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Speaker 1: you just didn't feel the love I did. Not do

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Speaker 1: people eat Paradise Actually in relationships, yeah, Jade and Tayner

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Speaker 1: arguably has a better track record than the Bachelor or Bachelorette. Um,

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Speaker 1: can I just ask you a question? Sure, so I

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Speaker 1: know both? No, because I know I'm friends with the

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Speaker 1: Andy I was would say I know that I'm friends

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Speaker 1: with Andy. Oh well no, I mean I'm friends with

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Speaker 1: Andy and how close? Um? Why doesn't matter. I mean

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Speaker 1: we're not like besties, but we chat whatever. I'm in

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Speaker 1: New York. We'll have a drink, We'll get a glass

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Speaker 1: of wine. She's a really nice girl. I like her.

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Speaker 1: I was friends with Caitlin. Well, not that I'm not

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Speaker 1: what happened? Oh whose podcast is this? Because I'm the

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Speaker 1: one asking the question. Son Um, I mean we're fine now,

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Speaker 1: but we have a little bit of a falling out.

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Speaker 1: I wouldn't say we're I mean we're we're fine now.

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Speaker 1: But I also know Vanessa because obviously she's on my

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Speaker 1: heart radio. So all his women have like really strong personalities.

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Speaker 1: They do super super super strong. It's exhausting. But then

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Speaker 1: why do you continue to pick the same women. It's

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Speaker 1: a great question, that's my question. Excellent question. You. Uh,

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Speaker 1: couple of things. Okay, mommy issues. No, my mom is

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Speaker 1: truly a saint. Uh. Interestingly enough, my mom is exactly

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Speaker 1: the opposite of those women. Those women I have, in

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Speaker 1: fairness to those women, always been attracted to very strong personalities. Uh.

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Speaker 1: And my defense is relates to those three women. Those

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Speaker 1: were obviously, as the show goes, unique circumstances. I didn't

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Speaker 1: select Andy when she was the patch slor At I

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Speaker 1: showed up but not new Caitlin was a unique situation

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Speaker 1: where we didn't know each other and I actually specifically

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Speaker 1: came for the girl. Uh. And then as when I

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Speaker 1: was the Bachelor, do you guys think you would have

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Speaker 1: really made it work? Though? Yeah? Yeah, made she made

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Speaker 1: the right choice. Um yeah, And then and you know,

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Speaker 1: I also didn't pick the thirty women that came out

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Speaker 1: of Lima when I was the Bachelor. You didn't have

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Speaker 1: one say no, now, you didn't get to look at

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Speaker 1: any of the girls or something. I would have cast

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Speaker 1: it Liz who affects with at a wedding. And then

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Speaker 1: we didn't talk. And then I was like, hey, come on,

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Speaker 1: let's talk about it. That was weird. It was a

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Speaker 1: weird one. Um, did you not watch Paradise? No, I

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Speaker 1: don't watch Paradise. I just watched the beginning to miss

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Speaker 1: on your part. Also, it's like my best work franchise,

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Speaker 1: So no, I did. I did not watch Paradise at

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Speaker 1: all anyways. Um, but Vanessa was sweet. She was you know,

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Speaker 1: she helped kids, she was but very strong personality. Again

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Speaker 1: because I exp we just hung out a nappa, but

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Speaker 1: so sweet her her first impression and yeah, strong, beautiful,

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Speaker 1: great is the room. She's an absolute pro at the

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Speaker 1: first impression. What's the second impression? Just like I'm just

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Speaker 1: saying her first impression, it's fantastic, right, But we go

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Speaker 1: deep on the show, we go real deep. We talk

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Speaker 1: about you know all of it. Um, I don't know

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Speaker 1: share our first impression is great, It's really great. I

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Speaker 1: was gonna say, I think strong personalities, strong real personalities

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Speaker 1: tend to get attracted to strong women. Personalities do sometimes

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Speaker 1: sometimes not. I have sometimes find it is it will

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Speaker 1: be opposite to try. I think. When it does, though,

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Speaker 1: it can be great because at the same time, if

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Speaker 1: someone who has a strong personality get someone who's submissive

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Speaker 1: all the time, that's not a challenge. That's not fun.

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Speaker 1: You and I, I mean you and I have to

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Speaker 1: have someone that challenges each other otherwise we walk all

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Speaker 1: over them. I don't know you that well, but I

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Speaker 1: don't know Mike at all. But do you guys have

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Speaker 1: strong personalities? Yeah? Very strong, And I mean they were

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Speaker 1: sweetest of guys, Like, I mean, I could name them.

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Speaker 1: They're they were so sweet. But it's like I will

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Speaker 1: literally walk fall and I did want anything. I can

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Speaker 1: do for you right whatever you whatever you want, hey,

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Speaker 1: um or listen. I have found to Mike's point, Um, listen,

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Speaker 1: I haven't figured it out yet in terms of my

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Speaker 1: my match. Yeah, I know my skin. Uh, I'm just kidding,

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Speaker 1: but I listen that what I've learned in life is

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Speaker 1: that sometimes, um, someone with a strong personality. I like confidence.

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Speaker 1: I'm attracted confidence. I think most people are, and I

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Speaker 1: think sometimes it's easy to mistaken people with strong personality

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Speaker 1: is confident people. Sometimes people who are who have strong

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Speaker 1: personalities and project what seems be confidence over time reveals

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Speaker 1: itself to be a lot of insecurities, and sometimes that

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Speaker 1: big personality will project project their insecurities and another person

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Speaker 1: who is also confident. Because if you are, uh, if

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Speaker 1: you're position yourself and present yourself as a confident person

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Speaker 1: and then get yourself in a situation where you feel

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Speaker 1: threatened or feel intimidated, and whether it's a friendship or

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Speaker 1: work situation or a relationship, sometimes that can come out.

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Speaker 1: I have found in relationships with women I have dated

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Speaker 1: that again, I'm sure I'm doing things, and there a

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Speaker 1: lot of things I can work on as a as

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Speaker 1: a partner, but I find that I bring out some

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Speaker 1: of those insecurities because I've always been a confident person

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Speaker 1: and it becomes contentious and it doesn't. It's not a

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Speaker 1: relationship where you're bringing each other up a brother bringing

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Speaker 1: each other down. Yeah, what is your fault? You think

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Speaker 1: in relationships? Like where do you think that you could? Like?

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Speaker 1: What's the one thing that you know that you have

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Speaker 1: to work on? M that you like? For me, Like,

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Speaker 1: I know I'm super passive in a relationship. I need

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Speaker 1: to learn how to not be as passive. I'm not.

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Speaker 1: I can some I need to well in life, I

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Speaker 1: need to listen better. I also will play devil's advocate

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Speaker 1: a little too much in a relationship. Um, And what

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Speaker 1: I've learned, I mean, I'll you know, I've learned this

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Speaker 1: from female friends and all friends that like sometimes especially

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Speaker 1: maybe let me know, Jenna, But if a woman is

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Speaker 1: expressing her frustration about any situation, sometimes she doesn't want

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Speaker 1: a solution. She just wants to set the up and

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Speaker 1: let her vent. And I can sometimes struggle with that

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Speaker 1: because I'm a solution based guy. It's like, all right,

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Speaker 1: let's break it down, all right, Like you know, like

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Speaker 1: this is a math equation and one plus one plus one,

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Speaker 1: he goes four for three or whatever. I don't know.

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Speaker 1: I ter carry the two and here's here's how you

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Speaker 1: do it. And she's like, just go, but I don't

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Speaker 1: want to yell. Yeah, and so I can. I can

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Speaker 1: be better at that? Interesting, I mean most men probably.

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Speaker 1: I mean I'm not a rare bird in that, but

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Speaker 1: not at all. But I really I could really work

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Speaker 1: on it. I'm like, yeah, yeah, I could really. I mean,

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Speaker 1: you want to settle down very much, so sometimes my

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Speaker 1: actions don't reflect my desires. But do you have any interest,

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Speaker 1: like in dating anyone that's not a social stature? Like

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Speaker 1: do you consider anybody and everybody? It all just kind

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Speaker 1: of depends on Yeah. Really that it's a really opened

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Speaker 1: the flawed gates. I'm really open to anything at this point.

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Speaker 1: What about Tanya? What about Tanya? She's a sweet girl.

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Speaker 1: I don't know, you're always trying to pimp out Tanya.

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Speaker 1: I love her, She's great. I don't know if we

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Speaker 1: would really, I think we're better friends. Yeah, So, like,

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Speaker 1: would you want confident? But then I feel like you

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Speaker 1: also want submissive. It's very confusing. I think you're a

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Speaker 1: very confusing bird. Like I can't I can't read you,

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Speaker 1: because I think that's what the draw is. I think

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Speaker 1: that's why girls people because interesting, because I often am

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Speaker 1: told that, and yet I often think I'm an open book.

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Speaker 1: I'm a very honest, blunt person. I will tell you

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Speaker 1: how I feel if you ask me a question, and

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Speaker 1: yet for some reason people can't figure me out. I

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Speaker 1: think part of it is because I have many different

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Speaker 1: opinions about things, and I do have you know, sometimes

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Speaker 1: they can be really quiet. Sometimes I can be big,

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Speaker 1: like loud, um, what do you think? Just on the

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Speaker 1: I don't I didn't watch it as much as Jana,

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Speaker 1: but the first few seasons, yeah, but it seemed like

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Speaker 1: guys weren't warm and fuzzy with you right like. It

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Speaker 1: always kind of seemed like they the way Maybe it's

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Speaker 1: just the way they produced it or edited that you

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Speaker 1: were kind of on your own and not you know,

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Speaker 1: buddy Buddy with all the all the all the bros.

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Speaker 1: Some truth to that early on and some of it

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Speaker 1: TV show on Andy season, it was very browy season.

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Speaker 1: It was like particularly like like Bro. It was also

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Speaker 1: can and Sean just like fun. That's the thing that

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Speaker 1: Caitlyn thing is so specifically to the Andy season. It

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Speaker 1: was a browy season and it was a poorly cast

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Speaker 1: I mean, Andy season was one of the lowest rated

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Speaker 1: bat Shirts of all time, and that was mostly because

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Speaker 1: it was kind of a boring season where they didn't

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Speaker 1: really have a villain. I was made to be the

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Speaker 1: villain and that was the runner up. And when you

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Speaker 1: watch it back, it was like, it's not really doing anything.

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Speaker 1: He gets he seems relatively normal, but like, you know,

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Speaker 1: I gave Andy, I mean, I was a villain because

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Speaker 1: I was strategic. That was my big crime, as I

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Speaker 1: gave her flowers. And so I think there wasn't at

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Speaker 1: the worst, you know, you didn't have the chat or

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Speaker 1: some of this real drama, all these different storylines. It

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Speaker 1: was a bunch of guys who were like bro and

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Speaker 1: everyone was like cool with each other because and I

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Speaker 1: was just like and I really liked Andy and there

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Speaker 1: was a real relationship and I just was like I

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Speaker 1: didn't have time for them. Um as far as Catlin season,

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Speaker 1: I showed up, right, I showed up as the perceived villain, right.

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Speaker 1: So all these guys at the time, the Tanners and

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Speaker 1: the Jared's and the bends of the world, you know,

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Speaker 1: there you know, then I came in they had this

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Speaker 1: literal target on my back. They were all really sweet

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Speaker 1: and it's funny. I'm you know, Jared, Jared Tanner, some

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Speaker 1: really good funds of mine, as well as Ben Higgins. Um,

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Speaker 1: they're all really cool. It was at that point just

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Speaker 1: so the story of the entire season was just Nick

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Speaker 1: versus Sean. That's that was the literally the whole season.

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Speaker 1: So are you? Are you Caitlin versus if you could pick,

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Speaker 1: it's a Caitlin or Sean team whom nobody you guys,

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Speaker 1: you have like a total hatred for her. No, and

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Speaker 1: that's not true. Caitlyn called me last week. Oh well,

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Speaker 1: there was a big article in US about how you guys,

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Speaker 1: I call it big another artist. Thanks for keeping up

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Speaker 1: on me. No, no, I'm not keeping up on you.

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Speaker 1: I was keeping up on US weekly there for my stories. Um, okay,

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Speaker 1: well that's so you guys are fine now, she called.

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Speaker 1: I mean I was always fun. I was always annoyed

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Speaker 1: with Caitlin. Um because over the past, I mean, in reality,

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Speaker 1: I showed up for a season which she uh basically

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Speaker 1: asked me to show up. I was I willingly also

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Speaker 1: wanted to show up. I very at the time strong

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Speaker 1: feelings for you know, the little relationship we had before

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Speaker 1: h um, and since you know, then she picked Sean,

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Speaker 1: which was ultimately the right choice, and then I basically

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Speaker 1: went away. You know, I didn't talk about her. If anything,

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Speaker 1: when she was getting criticism for the whole like sex

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Speaker 1: and whatever, and she was getting heat, I was defending her.

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Speaker 1: And then other than that, I just kind of went away.

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Speaker 1: And basically for the past three and a half years,

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Speaker 1: when it was ever convenient for her, whether it was

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Speaker 1: like a snarky joke or on her podcast, I was

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Speaker 1: always mean thrown under the bus by her for whatever reason,

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Speaker 1: and this implication that like, well then the producers maybe

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Speaker 1: bring Nick or blah blah blah, and I'm always like, yeah,

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Speaker 1: none of those remotely true kind of thing. And so

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Speaker 1: I was just always frustrating, and she made some more comments,

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Speaker 1: and at this point now you know that the excuse

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Speaker 1: was always Sean. You know, I was like, well, you know,

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Speaker 1: because Sean is insecure San, Sean is this, and um,

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Speaker 1: so I was pretty pissed, and so I made some

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Speaker 1: comment which I probably shouldn't have done, but I would

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Speaker 1: when it came when it comes to Caitlin. I'm very

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Speaker 1: sensitive about that situation because it was like, dude, look

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Speaker 1: what the well you took the high road and she

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Speaker 1: kept throwing ja well not only talking the high road,

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Speaker 1: it was no hyrod like. It was like we broke up, like,

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Speaker 1: you know, like I showed up. I'm sorry your fiance

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Speaker 1: hates me, but like what did I do? Um? And

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Speaker 1: to appease him? Like I was literally the butt of

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Speaker 1: jokes except when I was the batch or whenever it

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Speaker 1: was convenient for her. She would willingly show up on

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Speaker 1: Jimmy like she if it was you know, and so

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Speaker 1: that was frustrating. So anyways, she called. We had a

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Speaker 1: very nice conversation. She was very gracious, and it was

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Speaker 1: a conversation that she acknowledged should have happened a much

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Speaker 1: long ago. And it was a great It was a

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Speaker 1: great conversation and it was water under the bridge, and

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Speaker 1: it was probably some closure. I'd probably even thought I

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Speaker 1: I needed the time, but she certainly validated a lot

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Speaker 1: of things I had always thought and kind of acknowledged

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Speaker 1: and admitted. And it was it was nice to finally

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Speaker 1: hear so and her and Sea are done. Yeah she's dating,

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Speaker 1: So that's probably why she was able to finally have

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Speaker 1: that conversation with you. It sounds like it, but it

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Speaker 1: really kind of piste me off the sense of yeah

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Speaker 1: I can I told her this. I was like, dude,

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Speaker 1: like I went away and it's like, for some reason,

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Speaker 1: you've painted this narrative for three and a half years

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Speaker 1: that I was like some sort of prior to you,

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Speaker 1: when in reality there were stories that she too like

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Speaker 1: it was like quite the opposite. It was like, um,

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Speaker 1: and so again she was gracious and kind of things

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Speaker 1: that she admitted and acknowledged, and I was like, well,

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Speaker 1: I'm not great. You know. It's like I know I'm

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Speaker 1: not crazy, but thank you for acknowledging I'm not crazy. Um.

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Speaker 1: I think I think people's own insecurities can kind of

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Speaker 1: get in the way of you know, yeah, yeah, that

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Speaker 1: can happen. So so what are you doing now? You've

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Speaker 1: done all this bachelor stuff, You've done everything under the sun, Like,

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Speaker 1: what what about Nick? Now? And moving forward? About now?

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Speaker 1: What about I like that? What about Nick? Now? It's

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Speaker 1: a good show? Nick Now? I have named my podcast

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Speaker 1: now you should have the vil Files. Nick Now. I

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Speaker 1: have a podcast. It's called The Vile Files. It's Uh,

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Speaker 1: that's going well. Seen people seem to like it, seemed

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Speaker 1: to dig it. Jan is going to come on. I

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Speaker 1: am super pumped about that. What's the topic of conversation.

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Speaker 1: It's a lot of dating focus, but it's not I'm

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Speaker 1: just going to grill you about what is it? Like

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Speaker 1: you know, because you you I don't think you go

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Speaker 1: you need to go a little deeper, like there's something

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Speaker 1: deep rooted in you. Yeah, don't you have you listen

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Speaker 1: to podcast? I don't know. Well, are you talking about me?

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Speaker 1: I don't care. No, but I mean you haven't listened

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Speaker 1: to this, probably exactly, but no. Um, like I feel

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Speaker 1: like you like there's something that you're trying to find

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Speaker 1: and in myself. Yeah, you want to put me on

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Speaker 1: your couch, so to speak. Okay, Um, we do a

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Speaker 1: lot of dating stuff. It all kind of stemmed from

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Speaker 1: my questions with Nick that I do on my Instagram

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Speaker 1: and so fans will call in and with a lot

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Speaker 1: of dating questions, sex questions, Well we'll dive into it.

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Speaker 1: We cover the Bachelor when it's on Bachelorette rather for

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Speaker 1: a little bit. No, we're just gonna talk about life

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Speaker 1: and you know, so he's doing oils now I also

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Speaker 1: have also oil company that jan is all about essential oils. Well,

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Speaker 1: she now has USD organic essential oil blends from natural habits. Yes,

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Speaker 1: and can you because Michael doesn't. And I really don't

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Speaker 1: know what they're doing either, but I just know that

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Speaker 1: I've been told they're good for I'm constantly diffusing around

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Speaker 1: the house and then I'm how what do I do

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Speaker 1: to Jay's? But I'm doing it wrong. I wish people

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Speaker 1: would see like before It's like she's blessing Jay's before

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Speaker 1: he goes to bed with essential oils. It's like on

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Speaker 1: his forehead, on his feet, like behind his ears, and Jenny,

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Speaker 1: you want to be careful, uh, depending on the essential

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Speaker 1: oil and the quality of the oils. Essential oils have

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Speaker 1: medicinal benefits and they're very potent in a great way,

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Speaker 1: but you do want to be careful by putting pure

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Speaker 1: essential oils directly on your skin and children's skin because

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Speaker 1: they have sensitive um. If you're gonna put essential oils

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Speaker 1: on your on your skin, you wanted to loot it

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Speaker 1: with a cry oil. Essential oils does that with their

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Speaker 1: roll ons already. So we have the pure essential oil

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Speaker 1: that you put in a diffused it or you went

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Speaker 1: on put into a couple of few drops under warm

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Speaker 1: back and you can get the aroma therapy that way. Um.

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Speaker 1: And we specially we blend them already so they're already blended,

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Speaker 1: so they have specific like you make me a baby blend,

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Speaker 1: I want to mean a baby blend. So another company

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Speaker 1: which I won't name because we're promoting yours, the level

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Speaker 1: marketing company called Young Living. Oh yeah, man, they have

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Speaker 1: a get not us dr again, but they say this

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Speaker 1: for baby like gentle baby sniffle ease for the kids.

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Speaker 1: I mean, that's all marketing in a sense, but we

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Speaker 1: try to focus on the actual like benefits. And you

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Speaker 1: know the thing about the Essential oil company, sometimes it

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Speaker 1: gets a bad rap because central oils can be very

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Speaker 1: beneficial for you, right, they can have a lot of

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Speaker 1: various benefits. But sometimes because I think my husband's we

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Speaker 1: have like the center blend is it's specific. It's blends

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Speaker 1: of various oils to help reduce and um headaches. So

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Speaker 1: if you're prone to headaches, you would diffuse it in

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Speaker 1: your house or roll it on the and the roll

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Speaker 1: ons and well, if you have a headache will help

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Speaker 1: reduce it. And if you are prone to headaches. It

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Speaker 1: will help you not at them at all. Our release

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Speaker 1: is great for winding that at the end of the

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Speaker 1: day are going to sleep. It helps with anxiety. That's

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Speaker 1: why I started using essential oils. You have anxiety to

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Speaker 1: very bad. I have terrible anxiety, So I would use

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Speaker 1: the release a lot. The rise of something you'd use

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Speaker 1: in the morning kind of gives you a little uh

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Speaker 1: mental clarity. UM focus, you know, kind of gives you

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00:19:16,800 --> 00:19:18,880
Speaker 1: some energy boost of energy. You use them all through

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Speaker 1: the fusers. Mike a warm bath if you ever bath up,

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Speaker 1: I'm a big bath. How did you put a few drops?

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00:19:27,640 --> 00:19:30,399
Speaker 1: And our protectives for immunity boost with UM so the

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Speaker 1: the blends that are already in there. And so if

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Speaker 1: you if you call which one I put on any well,

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Speaker 1: I mean, like I don't think your baby gets headaches,

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Speaker 1: and maybe not that. I think the protect would probably

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Speaker 1: something I would put on because it helps boost their immunity.

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Speaker 1: You can put the UM release on there for sure. Okay,

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Speaker 1: why do you have anxiety? Why don't I have anxiety

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Speaker 1: and put it on you? When you put it on

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Speaker 1: a baby, put on the bottom of your feet, they're temple.

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Speaker 1: That's one of the many locations. It's diluted. It's diluted

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Speaker 1: the roll on UM so are it's safe. But you know,

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Speaker 1: if you want to be extract cautious, UM sample it

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Speaker 1: and if they don't have any type of reaction. But

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Speaker 1: what differs you, guys from all the other essential oils, Well,

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Speaker 1: the biggest ones. We are U s D Organic certified,

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Speaker 1: which in the essential oil space is unique. We're not

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Speaker 1: the only ones, but we're one of the few. UM.

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Speaker 1: A lot of companies will call themselves add percent pure. Uh,

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Speaker 1: some kindanies will call themselves therapeutic grade. That's it. If

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00:20:23,600 --> 00:20:26,960
Speaker 1: you google it, it's made up designation that's not recognized

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Speaker 1: by any official third party in the U s D.

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Speaker 1: A UM has qualified our oils is organic because of

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Speaker 1: the farms that we source for oils from and they

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Speaker 1: have no contamination or wrote off or adulter ins or

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Speaker 1: fragrances or alcohol that we put in them. So an

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Speaker 1: you really think it's helped your anxiety? Yeah? Absolutely? Is

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00:20:45,200 --> 00:20:47,000
Speaker 1: it just in your head? No, it's absolutely not your

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Speaker 1: head when it comes to essential oils. It's listen, it's

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Speaker 1: it's something. It's one thing I used to help with

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Speaker 1: my overall mental emotional and physical well being. Exercising also

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00:20:57,920 --> 00:21:00,720
Speaker 1: helps my anxiety. Eating right also helps with anxiety. Staying

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00:21:00,760 --> 00:21:03,640
Speaker 1: off my phone, it's one thing that helps me. Um

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Speaker 1: the center Blend. It helps me with my headaches sometimes.

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Speaker 1: Have I ever still taken an idear hero thin because

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Speaker 1: my head is so bad? Sure? But this has allowed

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Speaker 1: me to take less medication for anxiety or head aches. Uh,

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Speaker 1: I don't get sick very often, you know, in terms

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Speaker 1: of using it to boost my immune system and so um.

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Speaker 1: Also just keep in mind too forgetting about that. When

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Speaker 1: you are talking about essential oils. Do you use candles? Jenna? Probably?

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Speaker 1: You know? Do you want to know goes into the candle?

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Speaker 1: What toxins lead, paraffins, egens like uh, I can't even

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Speaker 1: pronounce some of them. They're terrible. Canary and coal mine?

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Speaker 1: Have you ever heard that story? I know, canarian a,

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Speaker 1: cole mine, West Virginia coal miner. Are the candles all

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Speaker 1: bad though? Pretty much? Well? I mean candle, you're still

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Speaker 1: burning it? I mean you can There are really yes,

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Speaker 1: there are some kind of are really or yes, aesthetically

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Speaker 1: they're great, sure, but those are like a hundred and

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Speaker 1: fifty dollar candles. But most candles you're spending bucks on

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Speaker 1: have in they're colored their chemicals, and you're setting it

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Speaker 1: on fire and you're breathing it. How much of those

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Speaker 1: malone candles? I don't even know how much do they cost?

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Speaker 1: If if they're if they got bad stuff in them,

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Speaker 1: then I'm gonna really do an uproar because those are expensive. Candle?

423
00:22:21,480 --> 00:22:24,240
Speaker 1: How much like bucks? A candle? A candle? And now

424
00:22:24,280 --> 00:22:26,600
Speaker 1: how long if you burn it nonstoff? How long will last?

425
00:22:26,880 --> 00:22:29,440
Speaker 1: A couple of days? Couple days? Well, an essential oil

426
00:22:30,119 --> 00:22:33,080
Speaker 1: blend is around fifty bucks? And so how much is

427
00:22:33,160 --> 00:22:39,040
Speaker 1: this set that eighty eight dollars? And then all right,

428
00:22:39,080 --> 00:22:42,040
Speaker 1: now are blends are forty dollars? They're usually fifty six?

429
00:22:42,160 --> 00:22:44,840
Speaker 1: But there right now? Okay? And then where do the

430
00:22:44,920 --> 00:22:48,760
Speaker 1: listeners go? Dot com and follow Instagram? In natural habits?

431
00:22:49,680 --> 00:22:52,119
Speaker 1: But yes, carry in a coal mine. Uh. Coal miners

432
00:22:52,160 --> 00:22:55,480
Speaker 1: would carry canaries into a coal mine to make sure

433
00:22:55,560 --> 00:22:57,639
Speaker 1: that the air was safe because birds in general have

434
00:22:57,800 --> 00:23:00,200
Speaker 1: sensitive respiratory systems, and if you put a bird heard

435
00:23:00,800 --> 00:23:06,320
Speaker 1: specifically canary, next to a candle, they'll have you tested. This. No,

436
00:23:07,440 --> 00:23:09,800
Speaker 1: it's just like a feeder. It's just a fact. My

437
00:23:09,960 --> 00:23:11,919
Speaker 1: point is is this for all the people who are

438
00:23:12,040 --> 00:23:14,720
Speaker 1: so worried about what they're breathing, and like your plugins,

439
00:23:14,760 --> 00:23:17,720
Speaker 1: your glade air fresheners, also all chemicals and synthetic adulterants

440
00:23:17,760 --> 00:23:19,679
Speaker 1: you're putting in your air and your skin and your

441
00:23:19,720 --> 00:23:22,000
Speaker 1: respiratory system is when your largest organs and then all

442
00:23:22,080 --> 00:23:24,840
Speaker 1: goes into your blood. So before you start burning a candle,

443
00:23:25,280 --> 00:23:26,840
Speaker 1: when you too want to make some love and have

444
00:23:26,920 --> 00:23:28,800
Speaker 1: some sex, set the mood right, light some candles, blow

445
00:23:28,800 --> 00:23:31,280
Speaker 1: it out. I'll be fine, but don't fill your indoor

446
00:23:31,359 --> 00:23:35,960
Speaker 1: air yourself with um. Diffuse them instead. Do you have

447
00:23:36,000 --> 00:23:38,239
Speaker 1: a diffuse in every room? I do? Actually, I mean

448
00:23:38,240 --> 00:23:40,200
Speaker 1: I own the company. So I have two black ones

449
00:23:40,240 --> 00:23:42,919
Speaker 1: in a white one in my house. Can we get

450
00:23:42,960 --> 00:23:45,800
Speaker 1: some more of these for that? Like? How like how

451
00:23:45,840 --> 00:23:47,680
Speaker 1: should we have it in in a house? How many

452
00:23:47,720 --> 00:23:50,879
Speaker 1: should you have? Should you have one about four to

453
00:23:50,960 --> 00:23:56,760
Speaker 1: six square feet? So this would be Jolly's room, rolly room. Ums.

454
00:23:56,800 --> 00:23:59,639
Speaker 1: Two settings where you have a set setting where constant

455
00:23:59,680 --> 00:24:01,760
Speaker 1: stream last about four hours, and you have one where

456
00:24:01,760 --> 00:24:05,679
Speaker 1: it will look um kind of intermittence. We have one

457
00:24:05,680 --> 00:24:07,800
Speaker 1: of these that look the exact same one just doesn't

458
00:24:07,840 --> 00:24:10,760
Speaker 1: say that in the bottom I don't know. I got

459
00:24:10,840 --> 00:24:13,200
Speaker 1: it from I think a different company, but same a

460
00:24:13,240 --> 00:24:16,560
Speaker 1: lot ceramic and it's sup stone diffuser and it lights

461
00:24:16,680 --> 00:24:18,560
Speaker 1: up if you want. All right, so n h oils

462
00:24:18,600 --> 00:24:25,440
Speaker 1: dot com. Nick, You're awesome. Good bye. Hiring is challenging,

463
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481
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482
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483
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484
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490
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Speaker 1: Information visit JD power dot com. We just got back

491
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Speaker 1: from almost a week of traveling and Jane and I

492
00:25:50,240 --> 00:25:52,320
Speaker 1: are so happy to be back in our sick number. Yeah,

493
00:25:52,320 --> 00:25:54,480
Speaker 1: because it's so great because Mike likes a little harder,

494
00:25:54,600 --> 00:25:57,040
Speaker 1: I like it a little softer, and it's just so

495
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Speaker 1: great that we're able to choose truly what we want

496
00:26:00,040 --> 00:26:02,600
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497
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Speaker 1: the Memorial Day sale and say one thousand on new

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Speaker 1: one nearest you at sleep number dot com slash Janna. Okay,

502
00:26:21,560 --> 00:26:25,000
Speaker 1: so we have another fun guest, and this is going

503
00:26:25,040 --> 00:26:29,040
Speaker 1: to be interesting just because we've had many discussions and

504
00:26:30,359 --> 00:26:34,359
Speaker 1: arguments around finances, which I think every couple does. Yeah, right,

505
00:26:34,400 --> 00:26:38,000
Speaker 1: I mean that's one of the major stresses in life.

506
00:26:38,600 --> 00:26:40,280
Speaker 1: Mm hm. I mean we even had an argument this

507
00:26:40,400 --> 00:26:46,080
Speaker 1: morning about about the tension around the money issues because

508
00:26:47,359 --> 00:26:51,359
Speaker 1: we were playing Alexa and Jolie wanted to watch TV,

509
00:26:51,520 --> 00:26:53,280
Speaker 1: but it was like, you need to subscribe to whatever

510
00:26:53,560 --> 00:26:57,800
Speaker 1: and Michael goes, sorry, Jolie, we can't afford that, and

511
00:26:57,880 --> 00:27:00,159
Speaker 1: then I said, yeah, because Daddy spends our money, like

512
00:27:00,320 --> 00:27:02,840
Speaker 1: I was saying it in a joking way, and he

513
00:27:02,920 --> 00:27:06,240
Speaker 1: got you, what's so upset about. It's been a sense

514
00:27:06,280 --> 00:27:09,760
Speaker 1: of thing recently because our whole situation with although iPad

515
00:27:09,840 --> 00:27:13,040
Speaker 1: game and all that dumb stuff. So it was just

516
00:27:13,240 --> 00:27:15,720
Speaker 1: it felt like a jab in the moment. I was like,

517
00:27:15,840 --> 00:27:17,879
Speaker 1: are we over this? Because I'm not really receiving this

518
00:27:17,960 --> 00:27:20,760
Speaker 1: as a joke, even though that was your intention, right,

519
00:27:20,840 --> 00:27:26,120
Speaker 1: But I didn't know because we really haven't completely settled

520
00:27:26,200 --> 00:27:28,159
Speaker 1: it as all right, this is we're done with this.

521
00:27:28,920 --> 00:27:32,119
Speaker 1: It's in the past. There's no animosity. Let's move on. Well,

522
00:27:32,160 --> 00:27:34,600
Speaker 1: now we gets talked to a financial expert. His name

523
00:27:34,640 --> 00:27:37,920
Speaker 1: is David bach Um. He has nine New York Times

524
00:27:38,119 --> 00:27:42,280
Speaker 1: best sellers. That's pretty Yeah, that's impressive. Oh, this is interesting.

525
00:27:42,359 --> 00:27:44,680
Speaker 1: So basically, the latte factor explains how the money we

526
00:27:44,760 --> 00:27:48,400
Speaker 1: waste on frivolous things. So the Hulu subscription you never watch, um,

527
00:27:48,480 --> 00:27:52,199
Speaker 1: the latte that has become the habit and isn't even enjoyed,

528
00:27:52,359 --> 00:27:54,080
Speaker 1: so the bottle water and so on that you don't

529
00:27:54,119 --> 00:27:57,560
Speaker 1: even um. Basically, all those things that you can save

530
00:27:57,640 --> 00:28:01,359
Speaker 1: on can make you rich. So, for example, if we

531
00:28:01,400 --> 00:28:04,560
Speaker 1: don't have certain subscriptions that we don't use, but who

532
00:28:04,560 --> 00:28:08,320
Speaker 1: may think we use And that's a great, a great question.

533
00:28:08,560 --> 00:28:10,399
Speaker 1: I have a great question around that. But also I

534
00:28:10,440 --> 00:28:13,000
Speaker 1: have something to say. I was thinking this the other day.

535
00:28:13,400 --> 00:28:14,639
Speaker 1: What are your thoughts on when we get to the

536
00:28:14,720 --> 00:28:17,159
Speaker 1: Nashville house. I would really like to cut out plastic

537
00:28:17,240 --> 00:28:24,280
Speaker 1: water bottles, so we like I buy a case of water.

538
00:28:24,480 --> 00:28:26,159
Speaker 1: You go through it in like two days because you

539
00:28:26,240 --> 00:28:28,240
Speaker 1: drink so much water. I do drink a lot of water.

540
00:28:28,600 --> 00:28:32,560
Speaker 1: Here's my problem. You can even tell the difference between

541
00:28:32,640 --> 00:28:35,920
Speaker 1: Arrowhead and Essentia. You can tell. The people will say

542
00:28:36,040 --> 00:28:38,080
Speaker 1: you can't taste the difference. I promise you when you

543
00:28:38,200 --> 00:28:40,840
Speaker 1: drink a water, we'll get the best filter money can buy.

544
00:28:42,560 --> 00:28:46,080
Speaker 1: If we can get the filter that goes through the house,

545
00:28:47,440 --> 00:28:50,600
Speaker 1: then yes, refrigerator has a filter. No, but those are

546
00:28:50,680 --> 00:28:55,400
Speaker 1: not good filters. What's a good filter? What is it?

547
00:28:55,480 --> 00:29:00,400
Speaker 1: What is Essentials filter? What do they use? They? I

548
00:29:00,760 --> 00:29:02,960
Speaker 1: saw the thing on YouTube. Let's reach out to Essentia.

549
00:29:03,760 --> 00:29:08,959
Speaker 1: Let's hey give us your patent technology Instagram the other

550
00:29:09,040 --> 00:29:11,840
Speaker 1: day just to try to get a free bottle. No

551
00:29:12,000 --> 00:29:15,640
Speaker 1: luck yet, but I'm working on it. Um No, but

552
00:29:15,760 --> 00:29:18,920
Speaker 1: I just there's a lot of things like lead in water.

553
00:29:19,360 --> 00:29:21,880
Speaker 1: Right when you need do those tests. People can do

554
00:29:21,960 --> 00:29:23,840
Speaker 1: the tests of what's in the water, and water can

555
00:29:23,880 --> 00:29:26,280
Speaker 1: be very bad. And that's in order for it to

556
00:29:26,320 --> 00:29:28,640
Speaker 1: be as much water for county to allow it to

557
00:29:28,680 --> 00:29:31,520
Speaker 1: be drinking water, it has to pass certain tests and

558
00:29:31,560 --> 00:29:36,360
Speaker 1: all of that. Okay, Flint that with Mike on this one.

559
00:29:36,440 --> 00:29:39,520
Speaker 1: Tap water is just fine. I will say this. There

560
00:29:39,520 --> 00:29:41,320
Speaker 1: are parts of the country where it's not so fine.

561
00:29:41,640 --> 00:29:45,400
Speaker 1: But Nashville, I'm sure has fantastic tap water. Yes, okay,

562
00:29:45,440 --> 00:29:48,840
Speaker 1: so up North Michigan we have the best freaking water ever.

563
00:29:49,000 --> 00:29:50,680
Speaker 1: I mean to the point where my mom used to

564
00:29:50,720 --> 00:29:53,680
Speaker 1: bring home jugs like milk carton jugs of water. But

565
00:29:53,880 --> 00:29:56,840
Speaker 1: you can taste the difference between a britta and essential water.

566
00:29:57,480 --> 00:30:02,920
Speaker 1: I promise you same amount. Michael. You even sat there

567
00:30:02,920 --> 00:30:04,880
Speaker 1: and you go this taste like lake water when you

568
00:30:04,960 --> 00:30:07,560
Speaker 1: were drinking, because I had just taken a sip of

569
00:30:07,600 --> 00:30:09,680
Speaker 1: ascension and just taking a sip of a lake arrowhead

570
00:30:10,960 --> 00:30:14,600
Speaker 1: local water. And what is the reasoning that you want

571
00:30:14,640 --> 00:30:17,800
Speaker 1: to get rid of the bottles? Because? Is it because

572
00:30:17,840 --> 00:30:22,720
Speaker 1: the waste or because because we're We're right, but we

573
00:30:22,880 --> 00:30:25,600
Speaker 1: do go through a lot. And just from a cost standpoint,

574
00:30:25,920 --> 00:30:28,480
Speaker 1: like we're like where we're about to where we're about

575
00:30:28,480 --> 00:30:31,160
Speaker 1: to talk about with David back, is I feel like

576
00:30:31,240 --> 00:30:33,440
Speaker 1: maybe that's something where we could cut cost because we

577
00:30:33,560 --> 00:30:36,800
Speaker 1: buy so much because we drink so much water. All right,

578
00:30:37,400 --> 00:30:40,680
Speaker 1: that's an idea. Okay, fine, I can cut that. That's

579
00:30:40,840 --> 00:30:42,760
Speaker 1: huge for me though, you know, that's like I'm not

580
00:30:42,840 --> 00:30:44,760
Speaker 1: saying we have to. I'm just saying it just it's

581
00:30:44,760 --> 00:30:47,840
Speaker 1: a thought. She's setting you up. Now, she's saying that's huge.

582
00:30:47,960 --> 00:30:50,680
Speaker 1: Now she's gonna go back for you to give something.

583
00:30:50,880 --> 00:30:54,080
Speaker 1: It has I think you should not golf ever again. Um,

584
00:30:54,160 --> 00:30:56,760
Speaker 1: excuse me. Can we just give me wife points? Because

585
00:30:56,920 --> 00:31:00,280
Speaker 1: I was going through the checklist with you last night. Yeah,

586
00:31:00,640 --> 00:31:02,959
Speaker 1: I have the I have the best wife ever. Because

587
00:31:03,520 --> 00:31:06,000
Speaker 1: I ripped out this page and like a recent Golf

588
00:31:06,080 --> 00:31:10,240
Speaker 1: Digest top hundred public courses in the country for two twenty,

589
00:31:11,160 --> 00:31:13,160
Speaker 1: and I told her, I was like, you know, this

590
00:31:13,240 --> 00:31:14,960
Speaker 1: is kind of like my new bucket list. I want

591
00:31:14,960 --> 00:31:17,160
Speaker 1: to be able to cross off every one of these courses.

592
00:31:18,000 --> 00:31:21,120
Speaker 1: And she's like the only wife I would know that.

593
00:31:21,240 --> 00:31:23,880
Speaker 1: Like last night, yesterday, we're in Vegas and I went

594
00:31:23,960 --> 00:31:26,000
Speaker 1: and played Shadow Creek, which is probably the most beautiful

595
00:31:26,040 --> 00:31:28,080
Speaker 1: course I played to date, more than Pebble, even though

596
00:31:28,080 --> 00:31:31,560
Speaker 1: Pebble's number one on the list, And she was sitting

597
00:31:31,560 --> 00:31:33,200
Speaker 1: there like next to me, crossing off she and she

598
00:31:33,360 --> 00:31:34,880
Speaker 1: was like, you know later, you know, next month I

599
00:31:34,880 --> 00:31:36,520
Speaker 1: have to go to organ. Maybe come to Organ. Here's

600
00:31:36,560 --> 00:31:39,440
Speaker 1: something organ And like trying to logistically plant it out

601
00:31:39,480 --> 00:31:41,240
Speaker 1: with me, and I looked at it like, you're like

602
00:31:41,280 --> 00:31:44,080
Speaker 1: the coolest wife ever, because no other wife would do this.

603
00:31:44,200 --> 00:31:45,920
Speaker 1: Every other wife would be like, why are you going

604
00:31:45,960 --> 00:31:47,560
Speaker 1: to do that? You're gonna spend money, this and that.

605
00:31:47,720 --> 00:31:49,760
Speaker 1: So if it's something that you enjoy and it's an

606
00:31:49,800 --> 00:31:52,800
Speaker 1: outer circle, you know, behavior, Yeah, it is my number

607
00:31:52,880 --> 00:31:57,320
Speaker 1: one thing for me. So I appreciate that, right, and

608
00:31:57,400 --> 00:32:00,240
Speaker 1: so don't take away my water. Kid me by water

609
00:32:01,120 --> 00:32:04,800
Speaker 1: water bottles. I mean, if you can get the essential

610
00:32:04,920 --> 00:32:07,520
Speaker 1: filter mark, what do you do? Can you like Google

611
00:32:07,680 --> 00:32:12,440
Speaker 1: like how to get the best filter? Because I water like, no,

612
00:32:12,600 --> 00:32:14,160
Speaker 1: it's not. If you drink a vy On water, it

613
00:32:14,280 --> 00:32:17,400
Speaker 1: tastes like lotion. And I promise you if we get

614
00:32:17,440 --> 00:32:19,480
Speaker 1: an evy On bottle right now and you drink Von

615
00:32:19,600 --> 00:32:21,960
Speaker 1: versus An, essentially you can taste. I would like to

616
00:32:22,040 --> 00:32:24,840
Speaker 1: do a taste test with you guys on water, different

617
00:32:24,880 --> 00:32:29,320
Speaker 1: bottled water. Next week. We'll do That'll do That'll get

618
00:32:29,520 --> 00:32:33,640
Speaker 1: a million percent. Know Evon literally tastes like lotion. It

619
00:32:33,800 --> 00:32:36,240
Speaker 1: is very curious if if your palette is that sensitive,

620
00:32:36,320 --> 00:32:40,200
Speaker 1: you could tell the difference. Yes, you can, think you can.

621
00:32:40,480 --> 00:32:43,800
Speaker 1: So you're could you do a hydro flask out of

622
00:32:43,880 --> 00:32:46,600
Speaker 1: refrigerator and live on that. What does that mean? You know,

623
00:32:46,640 --> 00:32:48,960
Speaker 1: the big hydro flasks, the big heavy things that everybody's

624
00:32:48,960 --> 00:32:51,200
Speaker 1: carrying around right now, Tony's got a hot pink one. Well,

625
00:32:51,480 --> 00:32:53,600
Speaker 1: I have a new line coming out and I'm creating

626
00:32:53,640 --> 00:32:56,720
Speaker 1: my own technic. There you go. So that only drink

627
00:32:56,760 --> 00:32:59,240
Speaker 1: the water out of the refrigerator, which is filter want

628
00:32:59,320 --> 00:33:05,040
Speaker 1: to be digit water. I don't like. I don't like

629
00:33:05,120 --> 00:33:08,000
Speaker 1: refrigerated water. I do drink only room tip because cold

630
00:33:08,040 --> 00:33:10,400
Speaker 1: water is not good for your system. It's not she's

631
00:33:10,440 --> 00:33:12,160
Speaker 1: been Okay, she's been trying to convince me of that

632
00:33:12,240 --> 00:33:16,040
Speaker 1: since we started dating. Let me just google it right now,

633
00:33:16,160 --> 00:33:19,040
Speaker 1: but I will tell you that it jump starts your

634
00:33:19,080 --> 00:33:22,360
Speaker 1: system in the morning. It's not good for you. But

635
00:33:22,400 --> 00:33:24,400
Speaker 1: it's not as cut and dried as that cold water

636
00:33:24,560 --> 00:33:26,680
Speaker 1: is bad for you. It's not bad for you. Wait,

637
00:33:26,760 --> 00:33:28,840
Speaker 1: it just says there's no evidence that drinking cold water,

638
00:33:30,600 --> 00:33:34,840
Speaker 1: according to the Indian turned Well what I've been told. Okay,

639
00:33:35,320 --> 00:33:37,880
Speaker 1: time out. Now she's going down the rabbit hole where

640
00:33:37,920 --> 00:33:40,400
Speaker 1: she's gonna search, search until she finds what she wants

641
00:33:40,440 --> 00:33:44,160
Speaker 1: to see. Drinking cold water does have its benefits. Okay,

642
00:33:44,520 --> 00:33:49,280
Speaker 1: Oh wait, I don't want to read that. Um, it's

643
00:33:49,360 --> 00:33:52,160
Speaker 1: just not as simple as it's bad for you drinking.

644
00:33:52,440 --> 00:33:54,160
Speaker 1: I will say to defend Janna with the whole water

645
00:33:54,280 --> 00:33:58,560
Speaker 1: thing is there's two things that Jana splurges on, that's

646
00:33:58,640 --> 00:34:02,400
Speaker 1: wine and water. So if she really puts up a fight,

647
00:34:03,040 --> 00:34:04,920
Speaker 1: I can. I'll just do my part and me and

648
00:34:05,000 --> 00:34:08,759
Speaker 1: the kids won't have, you know, water bottles and if

649
00:34:08,840 --> 00:34:11,200
Speaker 1: the if the if you thank you, Mark, that's the

650
00:34:11,280 --> 00:34:14,759
Speaker 1: kind of guy I am. No, I will say, I

651
00:34:15,200 --> 00:34:17,200
Speaker 1: agree with you. We have a ton of water bottles

652
00:34:17,280 --> 00:34:19,080
Speaker 1: and I need to stop with the essential. If we

653
00:34:19,160 --> 00:34:21,440
Speaker 1: can find a filter that is good, and I know

654
00:34:21,520 --> 00:34:23,319
Speaker 1: that's good for me because sometimes we forget to change

655
00:34:23,320 --> 00:34:25,399
Speaker 1: the brittle filter. It's been it was like seven months

656
00:34:25,440 --> 00:34:28,160
Speaker 1: and we just changed the brittle filter. That's another exaggeration,

657
00:34:28,280 --> 00:34:31,320
Speaker 1: but anyways, but I'm just saying, if we can just

658
00:34:31,440 --> 00:34:34,560
Speaker 1: make sure because I mean, even our refrigerator filter. I

659
00:34:34,600 --> 00:34:36,439
Speaker 1: know we should stop talking about this because who cares,

660
00:34:37,040 --> 00:34:39,360
Speaker 1: But like we don't change the filter, and then I'm like,

661
00:34:39,560 --> 00:34:41,439
Speaker 1: I get I don't even like people drinking my water

662
00:34:41,520 --> 00:34:44,640
Speaker 1: because I wanted to be clean because it grosses me out.

663
00:34:44,800 --> 00:34:47,600
Speaker 1: She won't let me take a sip for a water Bottleney,

664
00:34:47,640 --> 00:34:50,439
Speaker 1: Can I just have a SIPs? No, I'm like dying.

665
00:34:50,760 --> 00:34:55,120
Speaker 1: I can be dying in the desert. Nope, I'm doing

666
00:34:55,200 --> 00:34:57,600
Speaker 1: better now I'll let you know because now that Jolie

667
00:34:57,640 --> 00:35:00,880
Speaker 1: does so. Anyways, So okay, water? What else could we

668
00:35:00,920 --> 00:35:10,560
Speaker 1: cut out on for you? Bread? Tell our daughter that? No?

669
00:35:10,880 --> 00:35:13,120
Speaker 1: I mean, what's what's what's spends? Want? We don't really

670
00:35:13,160 --> 00:35:17,239
Speaker 1: do Starbucks? We don't really. I mean, what else? Smart?

671
00:35:17,360 --> 00:35:19,680
Speaker 1: What is your TV situation? What subscriptions? Do you have

672
00:35:20,400 --> 00:35:23,280
Speaker 1: all the subscriptions? We don't. We just have enough Flix

673
00:35:24,960 --> 00:35:26,879
Speaker 1: all the movies now we don't, but we have all

674
00:35:26,960 --> 00:35:30,200
Speaker 1: the movie channels. Oh so your cable bills? Pretty asterna

675
00:35:30,760 --> 00:35:33,080
Speaker 1: cable bills because we cancel cable and that's saved its

676
00:35:33,080 --> 00:35:35,800
Speaker 1: a good hundred bucks a month. Should we cancel cable?

677
00:35:36,320 --> 00:35:39,520
Speaker 1: What do you do for sporting events? Who do Live? Okay,

678
00:35:39,520 --> 00:35:42,360
Speaker 1: I'm right this. Who do Live gives you your local channels.

679
00:35:42,360 --> 00:35:44,320
Speaker 1: It sounds like we've just transitioned into a commercial But

680
00:35:44,400 --> 00:35:47,759
Speaker 1: we have your local channels and live a whole bunch

681
00:35:47,760 --> 00:35:51,400
Speaker 1: of cable channels. Live YouTube TV does the same thing.

682
00:35:51,560 --> 00:35:53,839
Speaker 1: It's personal preference. I prefer Hulu Live because it's fewer

683
00:35:53,880 --> 00:35:57,680
Speaker 1: commercials now and I'm very happy with it. And if

684
00:35:57,680 --> 00:36:01,279
Speaker 1: you use code East dot com and you get nothing,

685
00:36:01,480 --> 00:36:06,520
Speaker 1: get nothing, it will say invalid. Michael Haytes duk TV.

686
00:36:06,800 --> 00:36:09,440
Speaker 1: I think we're getting what in Nashville table we can't have.

687
00:36:10,320 --> 00:36:12,560
Speaker 1: We can't have satellite dishes hanging on our house in

688
00:36:12,600 --> 00:36:17,600
Speaker 1: the New neighborhood. Are you getting You're getting Comcast Spectrum.

689
00:36:18,160 --> 00:36:19,719
Speaker 1: I'm not sure what they do, but Spectrum has it

690
00:36:19,800 --> 00:36:21,799
Speaker 1: now where you can just stream your cable through them

691
00:36:21,840 --> 00:36:24,680
Speaker 1: and it's tons cheaper. You can pick your cable channels.

692
00:36:25,320 --> 00:36:27,279
Speaker 1: You can do it all a cart that's p I

693
00:36:27,360 --> 00:36:29,160
Speaker 1: like that because it's either with directs that you have

694
00:36:29,200 --> 00:36:31,440
Speaker 1: to buy all the movie channels. Okay, so there's that.

695
00:36:31,800 --> 00:36:33,400
Speaker 1: We don't spend much in that. We have all the

696
00:36:33,520 --> 00:36:37,600
Speaker 1: channels from She watches like the local channels like seven

697
00:36:37,760 --> 00:36:41,920
Speaker 1: ABC and all that stuff, and then I'll watch the

698
00:36:42,160 --> 00:36:45,600
Speaker 1: ESPNS in Golf channel and then nothing in between like

699
00:36:45,640 --> 00:36:50,360
Speaker 1: two D two until like five or anything like that.

700
00:36:50,920 --> 00:36:54,520
Speaker 1: You're not watching the LRA network or so whol live.

701
00:36:54,680 --> 00:36:57,120
Speaker 1: There you go. It's got your networks. All your shows

702
00:36:57,160 --> 00:36:59,359
Speaker 1: are on demand without commercials. If you pay the extra

703
00:36:59,400 --> 00:37:02,120
Speaker 1: five bucks of my for the code for this. ESPN

704
00:37:02,360 --> 00:37:04,080
Speaker 1: and the Golf channel are on there, because that's my

705
00:37:04,160 --> 00:37:06,360
Speaker 1: dad watches when he comes to visit, and it's streaming,

706
00:37:06,400 --> 00:37:08,600
Speaker 1: and it's thirty five dollars a month, maybe forty with

707
00:37:08,719 --> 00:37:11,600
Speaker 1: the ads fifteen bucks extra. You got HBO. What about

708
00:37:11,600 --> 00:37:17,439
Speaker 1: Thunderstorms it's streaming. Oh, that's only satellites like direct TV.

709
00:37:19,880 --> 00:37:25,680
Speaker 1: But is the NFL sendy tickets still exclusive? Hey, I'm

710
00:37:25,719 --> 00:37:28,279
Speaker 1: not sure. I think it is exclusive. I think it is.

711
00:37:28,360 --> 00:37:30,640
Speaker 1: I just love how we go real deep, like last episodes,

712
00:37:30,680 --> 00:37:32,719
Speaker 1: like super Deep, we're talking about like sex addiction. Now

713
00:37:32,719 --> 00:37:35,200
Speaker 1: we're talking about Hulu Live subscription. This is going to

714
00:37:35,280 --> 00:37:38,359
Speaker 1: touch more people than that, Probably more people A canna

715
00:37:38,360 --> 00:37:40,600
Speaker 1: be stacking their heads, see honey. Yeah, Well it is

716
00:37:40,640 --> 00:37:42,320
Speaker 1: a dilemma. Everybody's dealing with it right now. There's so

717
00:37:42,400 --> 00:37:44,480
Speaker 1: many services and scribe. I don't want to know the

718
00:37:44,560 --> 00:37:47,440
Speaker 1: best one to save us money for what we watch

719
00:37:47,960 --> 00:37:49,640
Speaker 1: because we really don't watch that much TV. That's a

720
00:37:49,640 --> 00:37:51,360
Speaker 1: good thing to sit down and figure out what you

721
00:37:51,400 --> 00:37:53,839
Speaker 1: can come without. So TV that's good in the middle.

722
00:37:53,880 --> 00:38:00,239
Speaker 1: One on demand we're really bad at We're terrible on demand. Yeah,

723
00:38:00,280 --> 00:38:02,680
Speaker 1: that's bad. But at the same time, though, I mean,

724
00:38:02,840 --> 00:38:06,120
Speaker 1: we don't not anymore, not any more because the kids

725
00:38:06,200 --> 00:38:10,359
Speaker 1: did I mean watching movies and on top of everything else,

726
00:38:10,360 --> 00:38:12,240
Speaker 1: you're paying a month for TV. Yeah, that's a good spot.

727
00:38:12,600 --> 00:38:15,840
Speaker 1: I mean we we. iPad games aren't no more because

728
00:38:16,320 --> 00:38:20,840
Speaker 1: we basically you're non existent. They're not existent because I

729
00:38:20,960 --> 00:38:24,320
Speaker 1: blocked the in app purchasing on Michael's iPad, so he

730
00:38:24,440 --> 00:38:27,040
Speaker 1: now does not have he doesn't have your parenting code.

731
00:38:28,120 --> 00:38:30,560
Speaker 1: But here's the deal. I gave him three don't worry.

732
00:38:30,600 --> 00:38:33,640
Speaker 1: That doesn't make me feel like I'm a child. But

733
00:38:33,960 --> 00:38:37,560
Speaker 1: could you do it without it? No? I gave you

734
00:38:37,760 --> 00:38:42,880
Speaker 1: three choice. Still couldn't. She didn't tell me that it happened.

735
00:38:43,000 --> 00:38:47,520
Speaker 1: You told me to, and then you said I shouldn't

736
00:38:47,560 --> 00:38:50,120
Speaker 1: have to. I said, you're right. So I was going

737
00:38:50,200 --> 00:38:53,440
Speaker 1: along not buying anything. And then and then he went

738
00:38:53,520 --> 00:38:55,920
Speaker 1: to go buy something. No, it accidentally like I was

739
00:38:55,960 --> 00:38:58,399
Speaker 1: trying to click out or whatever and accidentally try to run,

740
00:38:58,600 --> 00:39:01,320
Speaker 1: you know, because dumb print, even if you try to

741
00:39:01,360 --> 00:39:03,439
Speaker 1: click out of it, it will reach your dumbrint try

742
00:39:03,480 --> 00:39:05,640
Speaker 1: to purchase, and then it comes up and tries to

743
00:39:05,680 --> 00:39:10,080
Speaker 1: purchase as in that purchases have been turned off this mother,

744
00:39:11,440 --> 00:39:12,960
Speaker 1: I'm sorry, and for all the people that are just

745
00:39:13,040 --> 00:39:14,560
Speaker 1: catching up and they're like, oh, you're so mean to

746
00:39:14,600 --> 00:39:17,520
Speaker 1: your husband. If your husband spent over ten tho dollars

747
00:39:17,560 --> 00:39:22,960
Speaker 1: and thousand dollars, the number increases every time. Well it's

748
00:39:23,040 --> 00:39:25,640
Speaker 1: it's around six thousand. That's only for the few months

749
00:39:25,680 --> 00:39:32,080
Speaker 1: that I've checked. So what game costs six thousand dollars? Yeah,

750
00:39:32,120 --> 00:39:33,879
Speaker 1: you don't want to get into a share because it's

751
00:39:34,080 --> 00:39:37,200
Speaker 1: exactly thank you very much, be your wife be blocking that.

752
00:39:39,760 --> 00:39:43,440
Speaker 1: And then I and then I brought the you know,

753
00:39:43,480 --> 00:39:46,680
Speaker 1: the situation that was just one month. You know, if

754
00:39:46,719 --> 00:39:49,040
Speaker 1: I was if I had if I was playing video

755
00:39:49,080 --> 00:39:52,439
Speaker 1: games again, like regular console video games, this isn't part

756
00:39:52,480 --> 00:39:54,000
Speaker 1: of that. You don't have to have in that purposes.

757
00:39:54,040 --> 00:39:56,960
Speaker 1: You buy the game once and then that's it. And

758
00:39:57,080 --> 00:39:58,840
Speaker 1: she was like oh really. I was like yeah, She's like,

759
00:39:58,920 --> 00:40:01,880
Speaker 1: m maybe we can talk about I think that's a

760
00:40:01,960 --> 00:40:05,680
Speaker 1: bad road to go down. I think video games are

761
00:40:05,760 --> 00:40:08,400
Speaker 1: an addictive thing. Because I'm a victim of that. There

762
00:40:08,440 --> 00:40:10,560
Speaker 1: are no video games in her house because I cannot

763
00:40:10,680 --> 00:40:13,960
Speaker 1: stop once I start. Yeah, I definitely used to be

764
00:40:14,080 --> 00:40:18,440
Speaker 1: that way. I think now it's like even Janna, like

765
00:40:18,760 --> 00:40:20,880
Speaker 1: you know, she she would if we had a serious conversation,

766
00:40:20,960 --> 00:40:22,480
Speaker 1: was like, honey, I really enjoy this. You know. I

767
00:40:22,560 --> 00:40:25,239
Speaker 1: know in the past it was triggering because of our

768
00:40:25,280 --> 00:40:27,719
Speaker 1: own issues. And just so people know, so this isn't

769
00:40:27,760 --> 00:40:30,239
Speaker 1: just Jenna coming from a place of just authority or whatever.

770
00:40:30,320 --> 00:40:33,759
Speaker 1: It's yeah, I don't want people just to think you're

771
00:40:33,880 --> 00:40:36,120
Speaker 1: coming down on me for no reason. In the past,

772
00:40:36,200 --> 00:40:39,040
Speaker 1: I would always express to Janna like my only vice

773
00:40:39,120 --> 00:40:40,919
Speaker 1: is video games, like I just want to play video games,

774
00:40:41,360 --> 00:40:44,879
Speaker 1: when really I was doing other things behind her back,

775
00:40:45,480 --> 00:40:47,560
Speaker 1: which were you know, the affairs and stuff like that.

776
00:40:47,719 --> 00:40:52,360
Speaker 1: So that felt like the curtain for my behavior. So

777
00:40:52,520 --> 00:40:55,279
Speaker 1: Janna kind of correlates to two and so I empathize

778
00:40:55,360 --> 00:40:57,320
Speaker 1: with that. So I understand why, which is why I

779
00:40:57,360 --> 00:41:00,600
Speaker 1: took a hammer to his advices to my that's right,

780
00:41:01,239 --> 00:41:04,160
Speaker 1: So I so I understand. So just so people know,

781
00:41:04,239 --> 00:41:07,040
Speaker 1: I don't want people to get on you for no reason.

782
00:41:07,360 --> 00:41:09,360
Speaker 1: So there's something behind that. That being said, if we

783
00:41:09,400 --> 00:41:12,120
Speaker 1: want to have a real conversation, Janna would be willing

784
00:41:12,320 --> 00:41:15,400
Speaker 1: probably to be like, Okay, we'll talk about it, but

785
00:41:16,760 --> 00:41:18,880
Speaker 1: we don't have time. I don't have time yeah, I

786
00:41:18,920 --> 00:41:21,399
Speaker 1: have no time. No. I mean maybe if we get

787
00:41:21,400 --> 00:41:23,520
Speaker 1: on the better schedule with the baby, maybe when the

788
00:41:23,560 --> 00:41:26,160
Speaker 1: kids get older, but I just want to golf. So anyway,

789
00:41:26,280 --> 00:41:28,239
Speaker 1: let's take a break and we'll talk to David back

790
00:41:28,280 --> 00:41:33,239
Speaker 1: when we come back. So you spend a third of

791
00:41:33,320 --> 00:41:35,360
Speaker 1: your life and sheets, so it's about time for a

792
00:41:35,440 --> 00:41:37,239
Speaker 1: betting upgrades. So this is a true story I want

793
00:41:37,239 --> 00:41:40,040
Speaker 1: to tell you guys about. So we changed our sheets

794
00:41:40,120 --> 00:41:44,120
Speaker 1: in our bedroom and Michael gets into bed and he says, honey,

795
00:41:44,200 --> 00:41:46,520
Speaker 1: these are the most amazing sheets ever. What are these?

796
00:41:46,560 --> 00:41:48,720
Speaker 1: And weird you get on It was like, um, these

797
00:41:48,880 --> 00:41:52,120
Speaker 1: are brook Lennon And it's funny because their tagline is

798
00:41:52,520 --> 00:41:55,400
Speaker 1: these really are the best sheets ever. And that's exactly

799
00:41:55,440 --> 00:41:59,120
Speaker 1: what Michael said. They're always sleeping now because they're amazing.

800
00:41:59,160 --> 00:42:00,880
Speaker 1: So Brooklyn and Sheets are named the winner of the

801
00:42:00,920 --> 00:42:03,799
Speaker 1: Best of Online Bedding category by Good Housekeeping. They were

802
00:42:03,840 --> 00:42:07,160
Speaker 1: founded um in early two thousand fourteen by husband and wife,

803
00:42:07,320 --> 00:42:10,080
Speaker 1: which is super sweet. And we just picked out a

804
00:42:10,200 --> 00:42:12,600
Speaker 1: pair for each of the bedrooms in Nashville because we

805
00:42:12,719 --> 00:42:14,319
Speaker 1: feel spoiled when we sleep in bed and we want

806
00:42:14,320 --> 00:42:17,239
Speaker 1: our guests to feel just as comfortable and of course

807
00:42:17,280 --> 00:42:19,520
Speaker 1: our kids too, so like we said, they're the most

808
00:42:19,560 --> 00:42:21,920
Speaker 1: comfortable we've ever sleeped in. So now it's time for

809
00:42:22,040 --> 00:42:24,359
Speaker 1: you to upgrade. Brooklyn and dot Com is giving an

810
00:42:24,400 --> 00:42:27,439
Speaker 1: exclusive offer for our listeners get tempers off your first

811
00:42:27,600 --> 00:42:30,600
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812
00:42:30,880 --> 00:42:33,840
Speaker 1: at Brooklyn and dot Com. Brooklyn is so confident in

813
00:42:33,920 --> 00:42:36,600
Speaker 1: their product that all their sheets, comforters, and hows come

814
00:42:36,640 --> 00:42:38,719
Speaker 1: with a lifetime warranty. So the only way to get

815
00:42:38,760 --> 00:42:40,960
Speaker 1: Tempercon off your first order and for shipping is to

816
00:42:41,040 --> 00:42:43,840
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817
00:42:44,080 --> 00:42:46,440
Speaker 1: l I N E N dot Com Promoco Janna Brooklyn

818
00:42:46,560 --> 00:42:50,040
Speaker 1: and He's really are the best sheets ever. So whatever

819
00:42:50,160 --> 00:42:52,520
Speaker 1: scent you may be wearing, you have good taste and

820
00:42:52,640 --> 00:42:54,360
Speaker 1: you know what you like. But you're great taste is

821
00:42:54,360 --> 00:42:57,399
Speaker 1: also expensive and you end up with a shelf full

822
00:42:57,480 --> 00:42:59,360
Speaker 1: of half use bottles. I know, for me, whenever I

823
00:42:59,440 --> 00:43:02,760
Speaker 1: went perfume shopping, I end up buying a big bottle,

824
00:43:02,800 --> 00:43:04,680
Speaker 1: but then I ended up really not liking it, Like man,

825
00:43:04,760 --> 00:43:06,640
Speaker 1: I just spent so much money on this and I

826
00:43:06,680 --> 00:43:09,760
Speaker 1: don't really even like it. But with centered it's amazing.

827
00:43:09,880 --> 00:43:12,880
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828
00:43:12,920 --> 00:43:15,680
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829
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830
00:43:18,800 --> 00:43:21,040
Speaker 1: than four hundred fifty designer brands for you to choose

831
00:43:21,120 --> 00:43:23,920
Speaker 1: a perfume or cologne each month. So my favorite is

832
00:43:24,000 --> 00:43:26,880
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833
00:43:27,320 --> 00:43:29,680
Speaker 1: Choose the perfume you want to try. They'll send you

834
00:43:29,840 --> 00:43:33,000
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835
00:43:33,120 --> 00:43:36,360
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836
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837
00:43:38,440 --> 00:43:41,440
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838
00:43:41,680 --> 00:43:43,640
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839
00:43:43,680 --> 00:43:46,840
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840
00:43:47,040 --> 00:43:49,359
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841
00:43:49,440 --> 00:43:51,960
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842
00:43:52,000 --> 00:43:57,640
Speaker 1: for just seven fifty Sign on and smell amazing. All right,

843
00:43:57,680 --> 00:44:01,640
Speaker 1: So let's let's figure out where we can had some stuff. David,

844
00:44:01,640 --> 00:44:04,399
Speaker 1: are you in the line? I am sorry about oh

845
00:44:04,760 --> 00:44:07,000
Speaker 1: don't be sorry at all. Um, it's Jane and Mike.

846
00:44:07,200 --> 00:44:09,520
Speaker 1: Hi David, how are you doing? Hi, guys, I'm doing great.

847
00:44:09,719 --> 00:44:12,680
Speaker 1: We're really excited to talk to you because, like I

848
00:44:12,760 --> 00:44:16,759
Speaker 1: think probably every married couple, we've definitely had our um

849
00:44:17,200 --> 00:44:22,319
Speaker 1: financial arguments, um, which I'm sure obviously you are an

850
00:44:22,360 --> 00:44:24,520
Speaker 1: expert too, and so that's why we're super pumped to

851
00:44:24,560 --> 00:44:27,080
Speaker 1: talk to you because you are I feel like you're

852
00:44:27,120 --> 00:44:30,120
Speaker 1: kind of like the guru for all things financial. Well,

853
00:44:30,200 --> 00:44:36,320
Speaker 1: thank you, you're welcome. Um, So the Latte Factor that's

854
00:44:36,360 --> 00:44:40,680
Speaker 1: out now, right, Yeah, this book just came out last week. Congratulations,

855
00:44:40,920 --> 00:44:43,279
Speaker 1: thank you so much. We're so excited. It's really just

856
00:44:43,480 --> 00:44:48,040
Speaker 1: like taken off. This is my thirteenth book. So it's

857
00:44:48,400 --> 00:44:50,160
Speaker 1: been really fun because this is the first book I've done.

858
00:44:50,200 --> 00:44:54,120
Speaker 1: It's a story, it's not a classic non fiction self

859
00:44:54,200 --> 00:44:58,320
Speaker 1: help financial book. And people really reading the book like

860
00:44:58,880 --> 00:45:02,440
Speaker 1: from you know, in one sitting, and it's having such

861
00:45:02,480 --> 00:45:04,560
Speaker 1: a profound impact on them that they're already going out

862
00:45:04,600 --> 00:45:07,160
Speaker 1: and buying four or five, six, nine copies and giving

863
00:45:07,200 --> 00:45:11,200
Speaker 1: them out his gift to friends and kids for graduations. So, um,

864
00:45:11,480 --> 00:45:15,239
Speaker 1: it's been an amazing way. That's awesome. Congratulations, that's so

865
00:45:15,400 --> 00:45:18,000
Speaker 1: cool and what would what would you say as like

866
00:45:18,040 --> 00:45:20,920
Speaker 1: the log line for the Ltte Factor the log line

867
00:45:20,960 --> 00:45:24,440
Speaker 1: on that phrase before um, If I were to give

868
00:45:24,440 --> 00:45:28,000
Speaker 1: you the the three minute story of The Latte Factor,

869
00:45:28,280 --> 00:45:31,200
Speaker 1: it's it's a story about a young woman named Zoe

870
00:45:31,360 --> 00:45:34,680
Speaker 1: Daniels who's the Millennials. She's twenty seven years old. She

871
00:45:34,760 --> 00:45:38,520
Speaker 1: works in Brooklyn and she's been living in this She's

872
00:45:38,520 --> 00:45:40,440
Speaker 1: been working in the city New York City now for

873
00:45:40,560 --> 00:45:43,680
Speaker 1: six years and has her dream job and is actually

874
00:45:43,760 --> 00:45:46,279
Speaker 1: making more money every year. But at the end of

875
00:45:46,320 --> 00:45:48,719
Speaker 1: six years, she sort of looks up and realizes that

876
00:45:48,920 --> 00:45:51,960
Speaker 1: she's still living paycheck to paycheck, that she still has

877
00:45:52,000 --> 00:45:55,560
Speaker 1: student loans, and that she's not getting ahead. She's renting,

878
00:45:55,760 --> 00:45:58,959
Speaker 1: and she's starting to question if all of the hard

879
00:45:59,080 --> 00:46:02,759
Speaker 1: work that she is doing is ever going to lead

880
00:46:02,880 --> 00:46:08,200
Speaker 1: to anything even remotely related to financial freedom, because she

881
00:46:08,239 --> 00:46:10,000
Speaker 1: doesn't feel like she's living her dream life at all.

882
00:46:10,719 --> 00:46:13,680
Speaker 1: And so she goes on a journey where she starts

883
00:46:13,760 --> 00:46:15,960
Speaker 1: to think about where is her life going and she

884
00:46:16,080 --> 00:46:19,120
Speaker 1: meets mentors, starting with a woman named Barbara in her

885
00:46:19,200 --> 00:46:23,280
Speaker 1: office that began to teach her how she can basically

886
00:46:23,760 --> 00:46:26,520
Speaker 1: be financially free and go for her dreams and ultimately

887
00:46:26,600 --> 00:46:28,920
Speaker 1: be rich, and how it can be as simple as

888
00:46:29,000 --> 00:46:33,120
Speaker 1: starting by saving five to ten dollars a day. And

889
00:46:33,239 --> 00:46:36,880
Speaker 1: so she's taught this metaphor h called the Latte factor,

890
00:46:37,000 --> 00:46:38,800
Speaker 1: which is a way to look at where are you

891
00:46:38,920 --> 00:46:42,479
Speaker 1: spending money and then learn how to redirect that money

892
00:46:43,239 --> 00:46:46,160
Speaker 1: to putting herself first. She learns how in this little

893
00:46:46,200 --> 00:46:49,520
Speaker 1: short book, the Little Story, Little short of Story, she

894
00:46:49,800 --> 00:46:53,600
Speaker 1: learns how to do what's called pay yourself first. And

895
00:46:53,760 --> 00:46:57,360
Speaker 1: she's really taught that's critical at a young age to

896
00:46:57,440 --> 00:47:02,359
Speaker 1: becomes financially selfish, to put herself first, and learns how

897
00:47:02,400 --> 00:47:05,000
Speaker 1: to do that, you know, not through budgeting, because she learns,

898
00:47:05,080 --> 00:47:07,520
Speaker 1: you know, budgeting doesn't work, and how to do it

899
00:47:07,600 --> 00:47:11,440
Speaker 1: through automation, so the money that she's saving is saved automatically.

900
00:47:11,560 --> 00:47:14,320
Speaker 1: And finally, like two learns you know, the two critical

901
00:47:14,440 --> 00:47:17,960
Speaker 1: lessons of wealth, which is that she needs to also

902
00:47:18,040 --> 00:47:20,160
Speaker 1: own real estate. She have to own real estate and

903
00:47:20,160 --> 00:47:22,279
Speaker 1: you have to own stocks because those are the two

904
00:47:22,320 --> 00:47:25,279
Speaker 1: primary escalators to wealth. And finally, by the end of

905
00:47:25,280 --> 00:47:26,680
Speaker 1: the book, she really learns how to go for her

906
00:47:26,760 --> 00:47:29,319
Speaker 1: dreams and learns that you know, money is a tool

907
00:47:29,400 --> 00:47:32,799
Speaker 1: to three her to live her best life. And at

908
00:47:32,840 --> 00:47:34,840
Speaker 1: any age you can start to go for your dreams.

909
00:47:34,920 --> 00:47:38,120
Speaker 1: So that sounds awesome. I want to read act what David,

910
00:47:38,160 --> 00:47:40,520
Speaker 1: What inspired you to do it in this format of

911
00:47:40,640 --> 00:47:45,000
Speaker 1: more of a storytelling than you know, educational life, you know,

912
00:47:45,080 --> 00:47:48,640
Speaker 1: kind of help? You know. The honest answer is that

913
00:47:48,719 --> 00:47:51,840
Speaker 1: with seven million books out, I've had nine consecutive New

914
00:47:51,920 --> 00:47:56,120
Speaker 1: York Times bestsellers on money and and that's incredible and

915
00:47:56,160 --> 00:47:58,799
Speaker 1: I'm so grateful for that. But but I've been frustrated.

916
00:47:58,800 --> 00:48:02,160
Speaker 1: I've been frustrated realizing most people will never read a

917
00:48:02,200 --> 00:48:05,040
Speaker 1: financial book. They may even buy them, but they won't

918
00:48:05,080 --> 00:48:07,960
Speaker 1: always read them. And so I just started really over,

919
00:48:08,160 --> 00:48:11,160
Speaker 1: you know, over ten years ago, asking myself a question

920
00:48:11,280 --> 00:48:14,120
Speaker 1: which was, how could I package would people need to

921
00:48:14,239 --> 00:48:17,560
Speaker 1: know into a really short story that anybody could read?

922
00:48:17,840 --> 00:48:20,000
Speaker 1: You know, we even start like starting as a teenager.

923
00:48:20,760 --> 00:48:24,239
Speaker 1: And so I my personally, my personal life, I've been

924
00:48:24,360 --> 00:48:28,600
Speaker 1: very impacted by storybooks like Who Moved My Cheese one

925
00:48:28,640 --> 00:48:31,680
Speaker 1: of most all time classic business books by Spencer Johnson.

926
00:48:32,280 --> 00:48:35,759
Speaker 1: Um The Alchemist by Paula Quelo is another book that

927
00:48:35,880 --> 00:48:38,600
Speaker 1: really had an impact on me. And so I started,

928
00:48:38,880 --> 00:48:41,400
Speaker 1: you know, asking myself the question like, how could I

929
00:48:41,520 --> 00:48:44,920
Speaker 1: take how could I create a story that would especially

930
00:48:45,000 --> 00:48:48,319
Speaker 1: inspire young people to learn the lessons about money they

931
00:48:48,320 --> 00:48:50,200
Speaker 1: should have been taught in school and they never were.

932
00:48:50,880 --> 00:48:53,080
Speaker 1: And then anybody could get through in an hour to

933
00:48:53,200 --> 00:48:56,520
Speaker 1: ninety minutes. And that's what's happening with this book. This book,

934
00:48:56,960 --> 00:48:58,919
Speaker 1: you know, the thing that was probably were the most

935
00:48:59,000 --> 00:49:01,880
Speaker 1: exciting for me. I have a fifteen year old who

936
00:49:01,920 --> 00:49:04,480
Speaker 1: has never read any of my other business books, but

937
00:49:04,920 --> 00:49:07,400
Speaker 1: he read this book cover to cover and read it

938
00:49:07,480 --> 00:49:09,319
Speaker 1: on a plane flight and he turned to me at

939
00:49:09,320 --> 00:49:12,279
Speaker 1: the end of two hours and said, well, Dad, this

940
00:49:12,400 --> 00:49:14,719
Speaker 1: book shows how you can become a millionaire starting at

941
00:49:14,800 --> 00:49:17,040
Speaker 1: nineteen and I'm only fifteen. So if I do this,

942
00:49:17,160 --> 00:49:20,239
Speaker 1: I could become a multi mulpen. And I was like,

943
00:49:20,320 --> 00:49:22,120
Speaker 1: you're right, you could. He's like, well, then let's do this.

944
00:49:22,239 --> 00:49:24,000
Speaker 1: Let's set up a retirement account for me. And so

945
00:49:24,080 --> 00:49:27,120
Speaker 1: now fifteen, he wants to have a raw th ra A. Well,

946
00:49:27,160 --> 00:49:28,879
Speaker 1: I couldn't get him to read any of the other books.

947
00:49:28,920 --> 00:49:31,719
Speaker 1: I couldn't get in Blake. So I think stories have

948
00:49:31,960 --> 00:49:35,080
Speaker 1: a profound ability to change people's lives. And it took

949
00:49:35,120 --> 00:49:38,800
Speaker 1: me ten years to to go from an idea to fruition.

950
00:49:39,680 --> 00:49:42,000
Speaker 1: That has to be extremely rewarding for your son too,

951
00:49:42,800 --> 00:49:44,600
Speaker 1: for it to hit him like that and be that

952
00:49:44,800 --> 00:49:47,879
Speaker 1: into it. You know what, I gotta tell you something.

953
00:49:47,960 --> 00:49:49,680
Speaker 1: It's like the most rewarding thing I need that's ever

954
00:49:49,760 --> 00:49:52,000
Speaker 1: happened to me in my career. And I have two sons.

955
00:49:52,040 --> 00:49:53,400
Speaker 1: I have a fifteen year old and I have a

956
00:49:53,960 --> 00:49:57,320
Speaker 1: nine year old. And the nine year old when he started,

957
00:49:57,400 --> 00:50:00,400
Speaker 1: when he heard his older brother all excited it about

958
00:50:00,440 --> 00:50:03,560
Speaker 1: this book, and I'll motivated. She turned around and said, well,

959
00:50:03,600 --> 00:50:06,759
Speaker 1: I want to read it. So he's nine, he's halfway

960
00:50:06,840 --> 00:50:09,800
Speaker 1: through the book. Happens to be I'm actually, I'm actually

961
00:50:09,840 --> 00:50:12,040
Speaker 1: doing this with you, and I'm in my son's room

962
00:50:12,120 --> 00:50:15,160
Speaker 1: right now. The book is by his bed. He's nine,

963
00:50:15,600 --> 00:50:18,520
Speaker 1: he's read half of the book. He's told the teachers

964
00:50:18,560 --> 00:50:23,040
Speaker 1: about it, and he already gets the fact at nine

965
00:50:23,160 --> 00:50:26,799
Speaker 1: years old, that the lock factor is a metaphor that's

966
00:50:26,840 --> 00:50:28,920
Speaker 1: not about giving up your coffees. Because he said to

967
00:50:28,960 --> 00:50:31,359
Speaker 1: me the other day in the kitchen. You know, Dad,

968
00:50:31,560 --> 00:50:33,680
Speaker 1: I don't have a lot factor. I don't drink coffee,

969
00:50:34,440 --> 00:50:37,680
Speaker 1: he said, but I have a v buck factor Now

970
00:50:37,880 --> 00:50:39,719
Speaker 1: for those who are listening who have no idea what

971
00:50:39,840 --> 00:50:42,240
Speaker 1: a v buck factor is, that those are the digital

972
00:50:42,320 --> 00:50:44,799
Speaker 1: coins you need to use in order to buy things

973
00:50:44,840 --> 00:50:49,680
Speaker 1: inside video games Minecraft. And so he says to me,

974
00:50:49,760 --> 00:50:52,399
Speaker 1: I have a v buck factor and then he goes, Wow, Dad,

975
00:50:52,520 --> 00:50:54,120
Speaker 1: I wish I had all that money back that I

976
00:50:54,200 --> 00:50:56,279
Speaker 1: wasted last year on v Bucks, because if I could

977
00:50:56,320 --> 00:50:58,680
Speaker 1: put it into these investments, I could have a whole

978
00:50:58,760 --> 00:51:01,160
Speaker 1: lot more money. Later, hear you on that because my

979
00:51:01,320 --> 00:51:04,719
Speaker 1: husband spent so much money on those iPad games, and boy,

980
00:51:04,840 --> 00:51:08,000
Speaker 1: I'm like you just you literally just peeped all that

981
00:51:08,120 --> 00:51:12,400
Speaker 1: money away into the universe. And I'm like you, honestly,

982
00:51:13,040 --> 00:51:14,399
Speaker 1: when we talked about it, I was like, you could

983
00:51:14,400 --> 00:51:16,960
Speaker 1: have bought your motorcycle with all that money that you

984
00:51:17,040 --> 00:51:20,239
Speaker 1: spent on your in app purchases. And it's just it

985
00:51:20,400 --> 00:51:22,239
Speaker 1: makes it makes me sick because we have I think

986
00:51:23,239 --> 00:51:27,680
Speaker 1: we have a very different um habit with I guess spending.

987
00:51:28,360 --> 00:51:31,160
Speaker 1: And so it's hard at times because I'm like, that

988
00:51:31,280 --> 00:51:33,320
Speaker 1: money could have gone to your motorcycle, or could have

989
00:51:33,360 --> 00:51:35,280
Speaker 1: gone to this, or it could have been to our house,

990
00:51:35,440 --> 00:51:37,759
Speaker 1: or could have gone to Julie's you know something. And

991
00:51:38,200 --> 00:51:40,279
Speaker 1: I don't know, it's just it's very It's like what

992
00:51:40,360 --> 00:51:43,319
Speaker 1: do you do with that? How do you go to right?

993
00:51:43,520 --> 00:51:45,879
Speaker 1: Like and go you in the in the Lawe Factor,

994
00:51:46,160 --> 00:51:49,080
Speaker 1: what's happened? Like Joe Daniel, her dream is she wants

995
00:51:49,160 --> 00:51:52,640
Speaker 1: to chance to travel. She's ironically she's a travel writer.

996
00:51:53,239 --> 00:51:55,919
Speaker 1: She worked for travel magazine in the book, and she's

997
00:51:55,960 --> 00:51:59,279
Speaker 1: never traveled. She doesn't even have a passport. And and

998
00:51:59,360 --> 00:52:01,879
Speaker 1: as she's these mentors, they start to point out to her,

999
00:52:01,920 --> 00:52:04,080
Speaker 1: like the amount of money that you've been spending you

1000
00:52:04,239 --> 00:52:05,600
Speaker 1: you know, if you just saved it for two or

1001
00:52:05,640 --> 00:52:07,479
Speaker 1: three or four months, you'd go in your first trip.

1002
00:52:08,440 --> 00:52:10,799
Speaker 1: And she also wants to be a photographer, but she's

1003
00:52:10,800 --> 00:52:12,839
Speaker 1: not taking pictures, and they and they start to say

1004
00:52:12,840 --> 00:52:14,840
Speaker 1: to her, like, with this amount of money that you're spending,

1005
00:52:14,840 --> 00:52:17,080
Speaker 1: you could start taking pictures, you could take you could

1006
00:52:17,080 --> 00:52:19,200
Speaker 1: go take a class on how to be a photographer.

1007
00:52:19,920 --> 00:52:22,359
Speaker 1: So a big part of the lessons, like when you're

1008
00:52:22,400 --> 00:52:25,920
Speaker 1: talking about, is most of us are not consciously thinking

1009
00:52:25,920 --> 00:52:30,279
Speaker 1: about how we spend our money. But the problem with

1010
00:52:30,440 --> 00:52:34,520
Speaker 1: that is everybody is consciously thinking about how to take

1011
00:52:34,560 --> 00:52:38,080
Speaker 1: our money. So like those video games that you play,

1012
00:52:38,520 --> 00:52:40,640
Speaker 1: they're designed to stuck money out of your pocket, right

1013
00:52:40,760 --> 00:52:44,120
Speaker 1: that that's that's what they're intended to do. Everything that

1014
00:52:44,200 --> 00:52:47,280
Speaker 1: we do on social media in between seeing our friends,

1015
00:52:47,880 --> 00:52:50,359
Speaker 1: is an ad designed to separate us from our hard

1016
00:52:50,400 --> 00:52:53,080
Speaker 1: earned dollars. And we live in a world today where

1017
00:52:53,160 --> 00:52:54,560
Speaker 1: we can just be on our phone and then five

1018
00:52:54,560 --> 00:52:57,160
Speaker 1: seconds later click on something and spend money. It's never

1019
00:52:57,280 --> 00:53:03,959
Speaker 1: been easier to spend mean unconsciously, and so the core

1020
00:53:04,160 --> 00:53:07,520
Speaker 1: message of the Latte factor is actually looking at what's

1021
00:53:07,560 --> 00:53:13,680
Speaker 1: most important to your values, your dreams, and then consciously

1022
00:53:13,840 --> 00:53:17,160
Speaker 1: spending money to get you closer to those things. So

1023
00:53:17,280 --> 00:53:19,160
Speaker 1: what do you do when like there is there is

1024
00:53:19,239 --> 00:53:23,640
Speaker 1: that difference in spending in a relationship, So like how

1025
00:53:23,719 --> 00:53:27,320
Speaker 1: do you Is it just you know, does someone have

1026
00:53:27,440 --> 00:53:29,879
Speaker 1: to bend obviously? Like what do you to to keep

1027
00:53:29,960 --> 00:53:33,880
Speaker 1: that money? Is it just where is the middle ground? Yeah? Yeah, So,

1028
00:53:34,719 --> 00:53:37,480
Speaker 1: by the way, I've been where you are. I've been

1029
00:53:37,680 --> 00:53:40,040
Speaker 1: in a position where I've fought about money with my wife,

1030
00:53:40,560 --> 00:53:42,640
Speaker 1: and years and years ago I wrote a book called

1031
00:53:42,680 --> 00:53:46,359
Speaker 1: Smart Couples, Finished Rich, where interviewed couples that didn't fight

1032
00:53:46,400 --> 00:53:48,919
Speaker 1: about money and became financially well off. And we're still

1033
00:53:49,000 --> 00:53:51,160
Speaker 1: married and still happy and still in love. And so

1034
00:53:51,400 --> 00:53:55,360
Speaker 1: here here's what couples of co are successful at dealing

1035
00:53:55,480 --> 00:53:58,120
Speaker 1: with what I would call the money compromised too. The

1036
00:53:58,200 --> 00:54:01,000
Speaker 1: first thing is you need to agree on a pay

1037
00:54:01,000 --> 00:54:06,040
Speaker 1: yourself first goal, a number you start with. You know

1038
00:54:06,320 --> 00:54:08,400
Speaker 1: someday you're gonna want to have money for the future,

1039
00:54:08,960 --> 00:54:10,880
Speaker 1: and you need to agree in order to do that,

1040
00:54:10,960 --> 00:54:13,400
Speaker 1: you have to pay yourself first. So what percentage of

1041
00:54:13,480 --> 00:54:17,279
Speaker 1: your income could the two of you agree to take

1042
00:54:17,320 --> 00:54:20,160
Speaker 1: off the top and pay yourself first? I would tell

1043
00:54:20,200 --> 00:54:23,040
Speaker 1: you it should be least ten percent of your gross income.

1044
00:54:23,680 --> 00:54:25,600
Speaker 1: But the two of you should talk about that, Like,

1045
00:54:25,719 --> 00:54:28,640
Speaker 1: let's agree on that so that that money is taken

1046
00:54:28,760 --> 00:54:31,800
Speaker 1: right off the top and put away into a retirement account.

1047
00:54:32,680 --> 00:54:35,960
Speaker 1: That's number one. Number two, let's agree that. Well, let

1048
00:54:36,000 --> 00:54:38,279
Speaker 1: me ask you a specific questions. You guys have children. Yeah,

1049
00:54:38,320 --> 00:54:40,000
Speaker 1: we have two kids. We have a five month old

1050
00:54:40,120 --> 00:54:42,239
Speaker 1: and a three and a half year old. Okay, so

1051
00:54:42,840 --> 00:54:44,960
Speaker 1: do I don't know, do you have an insurance policy

1052
00:54:45,200 --> 00:54:46,840
Speaker 1: to protect you in case one or both that you

1053
00:54:46,920 --> 00:54:51,520
Speaker 1: die right now? So that's done, so you're taken care of. Like,

1054
00:54:51,600 --> 00:54:53,680
Speaker 1: because there's all these questions that like couples need to

1055
00:54:53,719 --> 00:54:56,000
Speaker 1: think about, like is your family protecting Great, you've got

1056
00:54:56,040 --> 00:54:58,440
Speaker 1: the will, you've got the insurance, so that's good. So

1057
00:54:58,560 --> 00:55:01,560
Speaker 1: then it's like who else the size retirement? Could the

1058
00:55:01,600 --> 00:55:04,279
Speaker 1: two of you agree on that you want to save

1059
00:55:04,360 --> 00:55:07,560
Speaker 1: money for that you could both be excited about. Well

1060
00:55:07,640 --> 00:55:11,560
Speaker 1: Mike wants his motorcycle college for our kids. Well no,

1061
00:55:11,680 --> 00:55:13,840
Speaker 1: but he's saying like that's already set up, you know,

1062
00:55:14,480 --> 00:55:21,080
Speaker 1: like our retirement is insurance. Yeah, yeah, yes, yes, we

1063
00:55:21,160 --> 00:55:23,120
Speaker 1: do have that set up. Look at you guys, you're

1064
00:55:23,160 --> 00:55:28,480
Speaker 1: doing so much right, So we're good, honey, that's spend spence. No,

1065
00:55:28,600 --> 00:55:30,520
Speaker 1: but we did. I will say this though. I did

1066
00:55:31,040 --> 00:55:33,600
Speaker 1: send an email to our business manager, which is very

1067
00:55:33,680 --> 00:55:35,719
Speaker 1: huge because I have a very hard time talking about money.

1068
00:55:35,760 --> 00:55:40,279
Speaker 1: It makes me very uncomfortable. Um, but I I I said,

1069
00:55:40,440 --> 00:55:42,240
Speaker 1: I set a meeting for when we're back in Nashville

1070
00:55:42,239 --> 00:55:44,040
Speaker 1: because we're moving to Nashville, you know, and hopes to

1071
00:55:44,080 --> 00:55:46,840
Speaker 1: save money and you know, from not in l A

1072
00:55:47,000 --> 00:55:49,360
Speaker 1: and basically where it's like, Okay, how much are we

1073
00:55:49,440 --> 00:55:53,239
Speaker 1: spending a month and where can we not overspending the months?

1074
00:55:53,280 --> 00:55:55,840
Speaker 1: So it's like, so we're not spending crazy amounts of

1075
00:55:55,920 --> 00:55:58,759
Speaker 1: money and we're able to try to save and then

1076
00:55:58,800 --> 00:56:02,839
Speaker 1: put into those investments, you know, portfolios that we have. Um.

1077
00:56:03,000 --> 00:56:04,880
Speaker 1: I think that's like kind of what you're saying about

1078
00:56:04,960 --> 00:56:06,640
Speaker 1: figuring out like what's kind of left and how to

1079
00:56:06,719 --> 00:56:09,439
Speaker 1: like pay each other out. Yeah, And I mean you see,

1080
00:56:09,440 --> 00:56:11,280
Speaker 1: you have a business manager, so they should be tracking

1081
00:56:11,320 --> 00:56:13,120
Speaker 1: where your money goes. But another thing the two of

1082
00:56:13,200 --> 00:56:15,279
Speaker 1: you can do is you can also like put an

1083
00:56:15,280 --> 00:56:18,040
Speaker 1: app on your phone that will prap where the money

1084
00:56:18,120 --> 00:56:22,959
Speaker 1: is going, so like mint dot com or clarity money

1085
00:56:23,000 --> 00:56:26,520
Speaker 1: dot com tracking where the money goes. It is a

1086
00:56:26,640 --> 00:56:28,880
Speaker 1: really useful thing to do, especially when you're a couple.

1087
00:56:29,520 --> 00:56:30,640
Speaker 1: You can kind of get the end of the week

1088
00:56:30,680 --> 00:56:34,000
Speaker 1: and go, you know, where the money really go. Once

1089
00:56:34,080 --> 00:56:35,680
Speaker 1: you see where the money is going, you can start

1090
00:56:35,760 --> 00:56:38,480
Speaker 1: to really think through like do we need all these things?

1091
00:56:38,560 --> 00:56:42,000
Speaker 1: Are there some things that we could change that we're doing? Um?

1092
00:56:43,320 --> 00:56:45,480
Speaker 1: Because I think the most important thing as a couple

1093
00:56:46,400 --> 00:56:49,560
Speaker 1: just to work as a team and don't let the

1094
00:56:49,760 --> 00:56:54,480
Speaker 1: money fight fester, Like the moneys fight usually are over stuff.

1095
00:56:55,280 --> 00:56:57,120
Speaker 1: And I always start to get couples to focus on

1096
00:56:57,200 --> 00:56:59,520
Speaker 1: the bigger picture, which are your values and your dreams,

1097
00:56:59,560 --> 00:57:02,080
Speaker 1: your goal Like a smart a couple of finish churches.

1098
00:57:02,360 --> 00:57:04,400
Speaker 1: Basically you can read. Honestly, you can just take that

1099
00:57:04,440 --> 00:57:06,200
Speaker 1: book and read it and you can sit down with

1100
00:57:06,239 --> 00:57:09,359
Speaker 1: the financial plan or do it yourself. Write down all

1101
00:57:09,400 --> 00:57:11,920
Speaker 1: your goals, write down all your values, and work on

1102
00:57:12,040 --> 00:57:14,440
Speaker 1: it as a team. But the kids that you want

1103
00:57:14,480 --> 00:57:17,200
Speaker 1: to work at it as a team, because you don't,

1104
00:57:17,800 --> 00:57:20,720
Speaker 1: the fights will continue. How do you determine, David, whether

1105
00:57:20,880 --> 00:57:24,880
Speaker 1: it's whether you're a married couple or an individual. You know,

1106
00:57:24,960 --> 00:57:28,640
Speaker 1: you talk about um focusing and prioritizing and things that

1107
00:57:28,680 --> 00:57:31,360
Speaker 1: are important for you in your life and your well being,

1108
00:57:31,800 --> 00:57:33,680
Speaker 1: but how do you you know, I feel like people

1109
00:57:33,720 --> 00:57:36,919
Speaker 1: I know myself just from my personal experience. You people

1110
00:57:36,960 --> 00:57:40,520
Speaker 1: can find a way to rationalize or justify something to themselves.

1111
00:57:40,560 --> 00:57:42,440
Speaker 1: Would have come to purchase. Okay, yeah I should give

1112
00:57:42,520 --> 00:57:44,320
Speaker 1: up my coffee, but I really need my coffee or

1113
00:57:44,360 --> 00:57:46,680
Speaker 1: I really like my coffee. Like, how do you determine

1114
00:57:47,200 --> 00:57:50,960
Speaker 1: really the hierarchy of of what's important and what you

1115
00:57:51,200 --> 00:57:56,440
Speaker 1: can cut on? It's such a good question. Um, here's

1116
00:57:56,440 --> 00:57:59,240
Speaker 1: the thing that's so hard for for some people, not everybody,

1117
00:57:59,320 --> 00:58:02,240
Speaker 1: but for some people. Ball it's to imagine your life

1118
00:58:02,320 --> 00:58:05,440
Speaker 1: twenty and thirty years from now. And the amazing thing

1119
00:58:05,480 --> 00:58:09,640
Speaker 1: about money is that well that not even money. Time

1120
00:58:10,560 --> 00:58:13,320
Speaker 1: you blink your eyes and you're twenty years older, right,

1121
00:58:13,400 --> 00:58:15,440
Speaker 1: Like I remember being in my twenties and we had

1122
00:58:15,680 --> 00:58:17,480
Speaker 1: you know, I was I was a brand new financial

1123
00:58:17,480 --> 00:58:20,920
Speaker 1: advisor and I was in training and we had a

1124
00:58:20,960 --> 00:58:24,040
Speaker 1: sixty one year old financial visor was getting ready to retire,

1125
00:58:24,160 --> 00:58:26,800
Speaker 1: come and speak to my training class. And he showed

1126
00:58:26,880 --> 00:58:28,800
Speaker 1: us his chart. It's absolutely the back of the book.

1127
00:58:28,840 --> 00:58:30,280
Speaker 1: It's the first chart in the back of the book,

1128
00:58:30,280 --> 00:58:35,440
Speaker 1: which is about the Camp Miracle compound interest in starting early.

1129
00:58:35,560 --> 00:58:38,600
Speaker 1: And he said who in his rooms twenty six and

1130
00:58:38,760 --> 00:58:40,880
Speaker 1: a bunch of us raised her hand. He said, you'll

1131
00:58:40,960 --> 00:58:44,720
Speaker 1: just say five dollars and forty one a day, you

1132
00:58:44,760 --> 00:58:46,600
Speaker 1: can have nearly a million dollars by the time were

1133
00:58:46,680 --> 00:58:48,760
Speaker 1: sixty five, just two thousand dollars a year, and I

1134
00:58:48,800 --> 00:58:52,280
Speaker 1: are a county ay six. And he said, to you, guys,

1135
00:58:52,560 --> 00:58:54,040
Speaker 1: how many of you going out for a drink after

1136
00:58:54,120 --> 00:58:56,360
Speaker 1: work tonight? And so we all laughed and we all

1137
00:58:56,440 --> 00:58:58,120
Speaker 1: raised our hand because that's the first thing you do

1138
00:58:58,200 --> 00:59:02,320
Speaker 1: after a training class. And he goes, just have one

1139
00:59:02,480 --> 00:59:06,280
Speaker 1: less drink tonight, because because more than five dollars to

1140
00:59:06,280 --> 00:59:08,440
Speaker 1: have a drink in Manhattan. But he's like, just have

1141
00:59:08,560 --> 00:59:11,280
Speaker 1: more less drink and then go back to the office

1142
00:59:11,320 --> 00:59:14,000
Speaker 1: and funds your retirement account. He goes, because I'm sixty

1143
00:59:14,040 --> 00:59:16,160
Speaker 1: one and I'm retiring a multiloying her. I'm out of here.

1144
00:59:16,200 --> 00:59:18,440
Speaker 1: I'm done. But I can tell you this, most of

1145
00:59:18,440 --> 00:59:20,000
Speaker 1: the guys in your office right now, when you go

1146
00:59:20,080 --> 00:59:22,560
Speaker 1: back to your office and their fifties, they're still broke

1147
00:59:22,960 --> 00:59:25,920
Speaker 1: and their financial advisors, which he goes, is pathetic, but

1148
00:59:26,040 --> 00:59:28,800
Speaker 1: he goes because most financial visors don't do for themselves

1149
00:59:28,840 --> 00:59:31,480
Speaker 1: when they do what they do for their clients. And

1150
00:59:31,640 --> 00:59:34,200
Speaker 1: he said, so all I can tell you is at

1151
00:59:34,280 --> 00:59:39,640
Speaker 1: whatever age you are in this room right now, you're yourself.

1152
00:59:39,800 --> 00:59:43,840
Speaker 1: Ten years from now, he's gonna thank you for having

1153
00:59:43,880 --> 00:59:46,600
Speaker 1: made a few changes to save more money. And they said,

1154
00:59:46,640 --> 00:59:50,200
Speaker 1: in yourself in twenty years and thirty years, is really

1155
00:59:50,280 --> 00:59:52,520
Speaker 1: gonna thank you, because he says, you don't know it

1156
00:59:52,640 --> 00:59:55,880
Speaker 1: right now, but you're gonna get tired as you get older.

1157
00:59:56,760 --> 00:59:58,640
Speaker 1: You're not going to have the same energy and the

1158
00:59:58,720 --> 01:00:01,919
Speaker 1: same hunger and the same as typically and you're gonna

1159
01:00:01,920 --> 01:00:04,120
Speaker 1: be really happy to turn around your fifties and your

1160
01:00:04,120 --> 01:00:08,280
Speaker 1: fifties and have a bunch of money and some of

1161
01:00:08,320 --> 01:00:09,680
Speaker 1: the stuff that you're gonna need to give up to

1162
01:00:09,680 --> 01:00:12,480
Speaker 1: get there. It's just not that big of a deal.

1163
01:00:14,120 --> 01:00:18,040
Speaker 1: And that got me, That got me to start investing.

1164
01:00:18,200 --> 01:00:20,920
Speaker 1: I just did an interview right before you with People

1165
01:00:21,120 --> 01:00:24,200
Speaker 1: magazine and the one woman interviewed me fifty nine, and

1166
01:00:24,320 --> 01:00:26,360
Speaker 1: she was reading this book and she said, you know,

1167
01:00:26,360 --> 01:00:28,480
Speaker 1: I love the book. I'm I'm super emotional right now.

1168
01:00:28,600 --> 01:00:30,800
Speaker 1: She's like, I just wish I had seen what was

1169
01:00:30,840 --> 01:00:34,520
Speaker 1: in the Latte Doctor when I was younger, because it

1170
01:00:34,560 --> 01:00:36,200
Speaker 1: seems like it's too late for me now. And I go,

1171
01:00:36,320 --> 01:00:38,760
Speaker 1: but it's not too late for you, fifty nine. Not

1172
01:00:38,840 --> 01:00:41,200
Speaker 1: too late, But you have to get started today. Like

1173
01:00:41,360 --> 01:00:43,400
Speaker 1: you can't spend time worrying about money. You have to

1174
01:00:43,440 --> 01:00:44,880
Speaker 1: go to work on your money. And then you have

1175
01:00:45,000 --> 01:00:49,880
Speaker 1: to get your money to work for you. And what

1176
01:00:49,960 --> 01:00:52,960
Speaker 1: do you mean when you say that, Well, so most

1177
01:00:53,040 --> 01:00:55,120
Speaker 1: people have a whole lot of money to have money

1178
01:00:55,160 --> 01:00:57,360
Speaker 1: to have in the bank account, right and a bank

1179
01:00:57,400 --> 01:01:02,640
Speaker 1: account earns nothing, maybe earns one percent, So money doesn't

1180
01:01:02,720 --> 01:01:06,240
Speaker 1: grow at one percent. Take seventy two years for your

1181
01:01:06,280 --> 01:01:09,280
Speaker 1: money to double. At one percent, you'll be dead by then,

1182
01:01:10,200 --> 01:01:13,000
Speaker 1: so money has to grow at a rate that's five

1183
01:01:13,080 --> 01:01:17,320
Speaker 1: percent or higher. And in the lot you've got your book,

1184
01:01:17,680 --> 01:01:19,480
Speaker 1: you know, the mentors go through the different ways to

1185
01:01:19,560 --> 01:01:22,840
Speaker 1: make a higher rate of return, talking about from bonds

1186
01:01:22,920 --> 01:01:26,160
Speaker 1: to stocks and the first five portfolios. And like I

1187
01:01:26,280 --> 01:01:27,800
Speaker 1: was just talking to somebody else who was on the

1188
01:01:27,840 --> 01:01:29,480
Speaker 1: phone with me, and they were like, how can you

1189
01:01:29,560 --> 01:01:32,160
Speaker 1: make ten percent way to return? I'm like, last had

1190
01:01:32,200 --> 01:01:34,560
Speaker 1: the SMP five hundred. The stock market is done for

1191
01:01:34,640 --> 01:01:37,320
Speaker 1: the last twenty five years. If you if you just

1192
01:01:37,440 --> 01:01:40,720
Speaker 1: went to van Guard and looked up the SMP five

1193
01:01:40,800 --> 01:01:44,479
Speaker 1: hundred funds, that's an index fund, you'd see that since

1194
01:01:44,520 --> 01:01:48,040
Speaker 1: inception the fund is earned ten percent annually. Now there

1195
01:01:48,080 --> 01:01:49,800
Speaker 1: have been years it's done better and there's years it's

1196
01:01:49,800 --> 01:01:53,680
Speaker 1: not worth but ten percent rate to return your money

1197
01:01:53,720 --> 01:01:57,080
Speaker 1: doubles every seven years. And if you don't want to

1198
01:01:57,120 --> 01:01:59,280
Speaker 1: take the risk of being all on the stock market,

1199
01:01:59,360 --> 01:02:03,080
Speaker 1: you can have a boring, diversified portfolio and those of

1200
01:02:03,240 --> 01:02:08,080
Speaker 1: average So you've got to get your money to earn money.

1201
01:02:08,160 --> 01:02:10,640
Speaker 1: And what when people go, I don't how do how

1202
01:02:10,680 --> 01:02:14,640
Speaker 1: does compound interests really work? What happens over time? Like

1203
01:02:14,720 --> 01:02:16,440
Speaker 1: in a couple of decades. Is that your money just

1204
01:02:16,520 --> 01:02:19,720
Speaker 1: starts making you a whole lot of money. It makes

1205
01:02:19,720 --> 01:02:21,520
Speaker 1: it while you sleep. This is why when people go,

1206
01:02:21,640 --> 01:02:24,240
Speaker 1: you know, the rich get richer. The rich get richer

1207
01:02:24,240 --> 01:02:27,040
Speaker 1: because their money is making them money. The poor stay

1208
01:02:27,160 --> 01:02:29,440
Speaker 1: poor because what money they have is not doing anything

1209
01:02:29,480 --> 01:02:31,920
Speaker 1: at all. It's making somebody else rich. Right Like if

1210
01:02:31,920 --> 01:02:33,600
Speaker 1: you have a money in a bank account, it zero.

1211
01:02:34,360 --> 01:02:37,080
Speaker 1: It's making the people who own the bank rich. So

1212
01:02:37,240 --> 01:02:38,400
Speaker 1: you just have to do on that. You have to

1213
01:02:38,440 --> 01:02:40,959
Speaker 1: get in the game of building wealth with your money

1214
01:02:41,120 --> 01:02:44,680
Speaker 1: versus just having your money sit there. Absolutely, and if

1215
01:02:44,680 --> 01:02:47,160
Speaker 1: there before we wrap up with you, David, that's such

1216
01:02:47,200 --> 01:02:49,040
Speaker 1: amazing stuff and I hope the listeners take all that

1217
01:02:49,120 --> 01:02:52,840
Speaker 1: to heart. What are three areas just off the top

1218
01:02:52,920 --> 01:02:56,560
Speaker 1: of that, just real quick that you know that you

1219
01:02:56,600 --> 01:02:59,520
Speaker 1: could cut our listeners like where they should cut? You

1220
01:02:59,560 --> 01:03:03,080
Speaker 1: know where they're Jim coffee, cable subscription, whatever it is, Like,

1221
01:03:03,120 --> 01:03:04,880
Speaker 1: what's the top three that you've seen people will be

1222
01:03:04,920 --> 01:03:07,320
Speaker 1: able to cut? Okay, the fastest thing you can do

1223
01:03:07,440 --> 01:03:11,240
Speaker 1: to cut your overhead is I would download an app

1224
01:03:11,320 --> 01:03:14,040
Speaker 1: like Clarity Money and take a look at what have

1225
01:03:14,160 --> 01:03:16,800
Speaker 1: you signed up for? Because what Clarity Money will do.

1226
01:03:16,920 --> 01:03:19,280
Speaker 1: This is a financial app is it will show you

1227
01:03:19,400 --> 01:03:22,200
Speaker 1: what you signed up for that our subscription fees, anybody

1228
01:03:22,240 --> 01:03:25,320
Speaker 1: that you're paying monthly, will summarize it. If you don't

1229
01:03:25,320 --> 01:03:27,480
Speaker 1: want to download a new app, go through all your

1230
01:03:27,520 --> 01:03:30,120
Speaker 1: credit card bills, go through your checking account, and look

1231
01:03:30,160 --> 01:03:32,400
Speaker 1: at what have you signed up to pay for monthly?

1232
01:03:32,760 --> 01:03:36,960
Speaker 1: Because today we have we're paying everybody else besides yourself automatically,

1233
01:03:37,360 --> 01:03:40,000
Speaker 1: so like it could be gym membership, it could be

1234
01:03:40,080 --> 01:03:43,240
Speaker 1: Apple storage, it could be Netflix, it could be you're

1235
01:03:43,240 --> 01:03:46,120
Speaker 1: having a box of goodies sent to you. I don't

1236
01:03:46,120 --> 01:03:49,120
Speaker 1: know what it is, but going through those six expenses

1237
01:03:49,160 --> 01:03:51,160
Speaker 1: and going what could have change? Because when you change

1238
01:03:51,200 --> 01:03:56,720
Speaker 1: a fixed expense that's fifty a month a year, and

1239
01:03:56,840 --> 01:03:59,720
Speaker 1: that's six thousand dollars over a decade. You do two

1240
01:03:59,800 --> 01:04:02,439
Speaker 1: or three of those and you've just found enough money

1241
01:04:02,480 --> 01:04:05,480
Speaker 1: to start seriously saving and investing. So I look at

1242
01:04:05,480 --> 01:04:08,240
Speaker 1: the six expensive number one, number two, I look at

1243
01:04:08,280 --> 01:04:11,240
Speaker 1: what is your latte factor. I would go and track

1244
01:04:11,280 --> 01:04:15,080
Speaker 1: where your money goes for for just two days two days,

1245
01:04:15,160 --> 01:04:17,720
Speaker 1: carry pad of paper, spend money like you always do,

1246
01:04:18,520 --> 01:04:21,840
Speaker 1: write it down and then and then added up like

1247
01:04:22,240 --> 01:04:23,680
Speaker 1: people have done this and they're like, you know, I

1248
01:04:23,760 --> 01:04:26,640
Speaker 1: really do spend fifteen dollars a day at Starbucks. And

1249
01:04:26,720 --> 01:04:29,400
Speaker 1: then the question I go, will well quaint? So there's

1250
01:04:29,440 --> 01:04:31,439
Speaker 1: two choices you could make the coffee. You can don't

1251
01:04:31,440 --> 01:04:33,200
Speaker 1: buy Starbucks coffee, right like, you could make it at

1252
01:04:33,240 --> 01:04:36,280
Speaker 1: home for twenty cents. Or if you're not going to

1253
01:04:36,320 --> 01:04:39,120
Speaker 1: give it up, then you should start to look seriously

1254
01:04:39,200 --> 01:04:43,640
Speaker 1: at investing in the company where you're where you refuse

1255
01:04:43,760 --> 01:04:47,600
Speaker 1: to stop spending money, right like, if you have an

1256
01:04:47,600 --> 01:04:50,040
Speaker 1: issue where you use Uber a lot, Uber just want public,

1257
01:04:50,120 --> 01:04:51,960
Speaker 1: you could own that. You could own Uber, right like

1258
01:04:52,400 --> 01:04:55,080
Speaker 1: investing what you won't give up. And the third thing

1259
01:04:55,120 --> 01:04:58,120
Speaker 1: I would say is look at a big find a

1260
01:04:58,200 --> 01:05:01,000
Speaker 1: big expensive you could change, So biggest expense that people

1261
01:05:01,040 --> 01:05:04,040
Speaker 1: can change, and were most people are not conscious of this,

1262
01:05:05,120 --> 01:05:08,920
Speaker 1: but it's car expensive. So the average Americans car expense

1263
01:05:08,960 --> 01:05:12,000
Speaker 1: for a new car right now is five three dollars

1264
01:05:12,040 --> 01:05:16,840
Speaker 1: a month, and that doesn't include insurance, doesn't include gas.

1265
01:05:17,560 --> 01:05:20,600
Speaker 1: If you've got storage, it doesn't include storage. So what

1266
01:05:20,760 --> 01:05:22,760
Speaker 1: I've seen is that many people are spending two to

1267
01:05:22,880 --> 01:05:25,880
Speaker 1: three months a year paying for their car. And one

1268
01:05:25,920 --> 01:05:28,000
Speaker 1: of the fastests you can do to cut your overhead.

1269
01:05:28,040 --> 01:05:29,960
Speaker 1: If your two car families go down to one car.

1270
01:05:30,440 --> 01:05:32,480
Speaker 1: If you're a three car family, for sure, get down

1271
01:05:32,520 --> 01:05:35,440
Speaker 1: with two cars and figure out if you can get

1272
01:05:35,480 --> 01:05:38,000
Speaker 1: your car overhead down, because the car overhead is almost

1273
01:05:38,040 --> 01:05:40,000
Speaker 1: like an expense that we take for granted. We just

1274
01:05:40,120 --> 01:05:41,480
Speaker 1: assume we have to have a car, and we have

1275
01:05:41,600 --> 01:05:44,000
Speaker 1: to have a certain sort of a certain amount of

1276
01:05:44,000 --> 01:05:46,439
Speaker 1: money that always goes towards a car, and we don't

1277
01:05:46,520 --> 01:05:51,360
Speaker 1: really think about the overall financial ramifications. And today there

1278
01:05:51,400 --> 01:05:53,120
Speaker 1: are a lot of ways to get around without owning

1279
01:05:53,160 --> 01:05:56,280
Speaker 1: a car. And if you can cut out one car expense,

1280
01:05:57,080 --> 01:05:59,840
Speaker 1: that can be the extra time. It's a lot of money,

1281
01:06:00,280 --> 01:06:02,760
Speaker 1: be enough money to help you retire ten years sooner,

1282
01:06:03,280 --> 01:06:04,880
Speaker 1: if you gave up one car in a family, or

1283
01:06:04,960 --> 01:06:07,560
Speaker 1: you went from an expensive car to a chupercar. I

1284
01:06:07,680 --> 01:06:10,680
Speaker 1: love that. Um, that's some really good advice. I'm super

1285
01:06:10,720 --> 01:06:12,800
Speaker 1: pumped about that. And we're gonna I'm gonna go home

1286
01:06:12,880 --> 01:06:14,720
Speaker 1: right now. I'm like making my list and being quiet

1287
01:06:14,720 --> 01:06:18,520
Speaker 1: over here making my list of what. Um, but seriously,

1288
01:06:18,560 --> 01:06:21,600
Speaker 1: thank you so much, David, and we're um, we would uh,

1289
01:06:22,200 --> 01:06:24,160
Speaker 1: I'm gonna read all your books now because you've got

1290
01:06:24,240 --> 01:06:27,880
Speaker 1: would you say thirteen. Yeah, but it starts to start

1291
01:06:27,920 --> 01:06:30,200
Speaker 1: with a Latta Factor and your for your listeners, come

1292
01:06:30,280 --> 01:06:33,680
Speaker 1: check out the website at the Latte factor dot com. Um.

1293
01:06:33,760 --> 01:06:36,760
Speaker 1: We've got a special big bonus gift thing going on

1294
01:06:36,880 --> 01:06:38,920
Speaker 1: there with like over five or dollars with a special

1295
01:06:39,040 --> 01:06:41,560
Speaker 1: downloadable bonuses and things. If they join us, we've got

1296
01:06:41,600 --> 01:06:44,120
Speaker 1: a special insider team. UM, and that's gonna go for

1297
01:06:44,160 --> 01:06:47,400
Speaker 1: about another two weeks and then David bo dot com

1298
01:06:47,560 --> 01:06:49,640
Speaker 1: is the primary website where all the books are listed

1299
01:06:49,680 --> 01:06:51,320
Speaker 1: and you can get our friend news letter there David

1300
01:06:51,360 --> 01:06:53,680
Speaker 1: Bok dot com. Awesome. Thank you so much, David, Thank

1301
01:06:53,680 --> 01:06:56,520
Speaker 1: you so much. You guys are so welcome. I appreciate you.

1302
01:06:56,600 --> 01:07:04,720
Speaker 1: Thanks for having me on UM. That's really good advice. Money.

1303
01:07:04,880 --> 01:07:07,520
Speaker 1: Just want to talk about money, literally literally just irks me.

1304
01:07:08,040 --> 01:07:11,479
Speaker 1: I know it does super good, just because I don't

1305
01:07:12,320 --> 01:07:14,120
Speaker 1: I wouldn't want to spend a penny if I if

1306
01:07:14,160 --> 01:07:16,880
Speaker 1: I didn't have to, I just want to save it all.

1307
01:07:17,960 --> 01:07:22,880
Speaker 1: I think we balanced each other out though, because you

1308
01:07:23,000 --> 01:07:25,440
Speaker 1: got like you get so much anxiety at around it

1309
01:07:26,240 --> 01:07:29,480
Speaker 1: where you would never do anything for yourself, and so

1310
01:07:29,600 --> 01:07:31,360
Speaker 1: you have someone who is a little bit more loss.

1311
01:07:31,400 --> 01:07:33,600
Speaker 1: I fear, which to a fault of mine, I am.

1312
01:07:33,800 --> 01:07:40,000
Speaker 1: I tend to be that way. Um, you know, I'm I.

1313
01:07:40,320 --> 01:07:42,840
Speaker 1: I think I offer you opportunities to to take care

1314
01:07:42,840 --> 01:07:44,800
Speaker 1: of yourself or to do something for yourself that you deserve.

1315
01:07:45,800 --> 01:07:48,080
Speaker 1: I try to mean you force me like you just

1316
01:07:48,200 --> 01:07:52,360
Speaker 1: force me to buy, because otherwise, you know, won't you won't.

1317
01:07:53,200 --> 01:07:55,320
Speaker 1: All right, let's take an email mark what you got

1318
01:07:55,360 --> 01:07:57,880
Speaker 1: for me. But thank you very much. Jess says, due

1319
01:07:57,920 --> 01:08:00,200
Speaker 1: to blood pressure issues and being high risk, I'm having

1320
01:08:00,240 --> 01:08:02,160
Speaker 1: a C section next week at thirty nine weeks, and

1321
01:08:02,200 --> 01:08:04,280
Speaker 1: it was not in my plan. I desperately wanted a

1322
01:08:04,360 --> 01:08:08,080
Speaker 1: v back, which I learned is a vaginal birth after

1323
01:08:08,160 --> 01:08:13,760
Speaker 1: c section. Not until I became a father. I had

1324
01:08:13,760 --> 01:08:15,800
Speaker 1: an emergency c section eight years ago, and it was

1325
01:08:15,920 --> 01:08:17,960
Speaker 1: very traumatic. I had a panic attack while I was

1326
01:08:18,040 --> 01:08:20,360
Speaker 1: on the operating table and was screaming and asking if

1327
01:08:20,439 --> 01:08:23,040
Speaker 1: he my baby was going to die. I was restrained,

1328
01:08:23,120 --> 01:08:25,160
Speaker 1: had a spinal tap, couldn't feel my legs. I'm a

1329
01:08:25,200 --> 01:08:27,759
Speaker 1: sexual abuse survivor, and I'm so anxious and so scared.

1330
01:08:28,120 --> 01:08:30,120
Speaker 1: I don't want to feel that way ever again, especially

1331
01:08:30,160 --> 01:08:32,120
Speaker 1: when I'm bringing my baby into the world. By the way,

1332
01:08:32,160 --> 01:08:33,800
Speaker 1: my son was able to heal and as a healthy,

1333
01:08:33,840 --> 01:08:37,000
Speaker 1: growing little man. I'm an avid podcast listener, and I

1334
01:08:37,080 --> 01:08:38,840
Speaker 1: know that you opted to have your C section, and

1335
01:08:38,880 --> 01:08:41,000
Speaker 1: I admire your bravery so much. I'm just hoping you

1336
01:08:41,040 --> 01:08:43,280
Speaker 1: could share anything with me that will help me feel better.

1337
01:08:45,080 --> 01:08:48,200
Speaker 1: Oh geez. I mean, first of all, I'm sorry that

1338
01:08:48,240 --> 01:08:52,439
Speaker 1: you have all those triggers. I look. I if you

1339
01:08:52,560 --> 01:08:55,760
Speaker 1: listen to the episode where I had Jason, I freaked out.

1340
01:08:56,040 --> 01:08:59,559
Speaker 1: I had a panic attack. I passed out. They gave

1341
01:08:59,640 --> 01:09:04,120
Speaker 1: me have to like to chill um. I was terrified.

1342
01:09:04,800 --> 01:09:08,000
Speaker 1: I think it's normal, it's okay. The amount of women

1343
01:09:08,040 --> 01:09:11,040
Speaker 1: I felt so stupid after that episode aired because I

1344
01:09:11,160 --> 01:09:15,880
Speaker 1: was embarrassed. But so many women have a hard C

1345
01:09:16,040 --> 01:09:18,560
Speaker 1: section and they freak out. But at the end of

1346
01:09:18,560 --> 01:09:22,080
Speaker 1: the day, like it's traumatic, but just try to relax.

1347
01:09:22,320 --> 01:09:24,439
Speaker 1: I know it's hard to say when you can't feel

1348
01:09:24,479 --> 01:09:27,000
Speaker 1: your legs, because I was freaking out and I probably

1349
01:09:27,000 --> 01:09:29,200
Speaker 1: couldn't relax if we had a third baby. So I

1350
01:09:31,120 --> 01:09:32,840
Speaker 1: just know that you're gonna be okay. It's such a

1351
01:09:32,920 --> 01:09:36,160
Speaker 1: routine surgery and you will be okay. And put some

1352
01:09:36,240 --> 01:09:40,560
Speaker 1: good music on. That's my advice. I mean, There's not

1353
01:09:40,760 --> 01:09:42,519
Speaker 1: more I could say other than that. I mean, hope

1354
01:09:42,560 --> 01:09:44,559
Speaker 1: that helps. I mean, yeah, she's not alone. Yes, you're

1355
01:09:44,560 --> 01:09:46,960
Speaker 1: not alone. Yeah, you're not alone. I'm gonna be okay,

1356
01:09:47,000 --> 01:09:48,639
Speaker 1: and the baby is going to be You. Guys will

1357
01:09:48,680 --> 01:09:54,840
Speaker 1: be okay, I promise, And doctors have done this thousand

1358
01:09:54,920 --> 01:09:57,000
Speaker 1: times over, so you will be okay, and we'll be

1359
01:09:57,080 --> 01:10:00,360
Speaker 1: praying for you. And A says, I'm twenty five and

1360
01:10:00,400 --> 01:10:04,080
Speaker 1: I've never kissed someone. I'm totally disinterested in online dating,

1361
01:10:04,120 --> 01:10:05,639
Speaker 1: and every time I made a new boy, my brain

1362
01:10:05,720 --> 01:10:08,080
Speaker 1: screams run. However, I do you have a cross on

1363
01:10:08,160 --> 01:10:09,559
Speaker 1: her friend? And I'd like to see if we could

1364
01:10:09,600 --> 01:10:12,040
Speaker 1: be something. He knows me extremely well, but I can't

1365
01:10:12,040 --> 01:10:14,600
Speaker 1: bring myself to even talk to him but anything of substance.

1366
01:10:14,760 --> 01:10:17,160
Speaker 1: It's all small talk and laughing. He's just as shy

1367
01:10:17,240 --> 01:10:19,680
Speaker 1: as me. It's like we're in a shy standoff. I

1368
01:10:19,760 --> 01:10:21,840
Speaker 1: can feel a connection, but neither of us are willing

1369
01:10:21,880 --> 01:10:23,720
Speaker 1: to do anything about it. So, guys, what the heck

1370
01:10:23,800 --> 01:10:27,719
Speaker 1: do I do? Stay single forever? Hashtag one year old virgin.

1371
01:10:29,439 --> 01:10:35,519
Speaker 1: It's okay, just just go up and randomly kiss somebody.

1372
01:10:37,680 --> 01:10:41,280
Speaker 1: Ask your friend, just be okay? Do you think you

1373
01:10:41,360 --> 01:10:43,000
Speaker 1: and I could ever be more than what we are.

1374
01:10:43,520 --> 01:10:46,599
Speaker 1: I just say, make out with him, do it, Run

1375
01:10:46,680 --> 01:10:50,720
Speaker 1: up and kiss him. Take a leap. Take the leap.

1376
01:10:50,800 --> 01:10:52,920
Speaker 1: I won't jump off the bridge. Don't be scared of

1377
01:10:52,960 --> 01:10:56,240
Speaker 1: the conversation. Yeah, you guys aren't gonna lose your friendship

1378
01:10:56,600 --> 01:11:01,280
Speaker 1: by having that conversation. Can I suggest something press I

1379
01:11:01,439 --> 01:11:05,600
Speaker 1: feel you're both so shy. I'm getting an idea that

1380
01:11:05,640 --> 01:11:08,920
Speaker 1: maybe you two have similar interests and if that's the case,

1381
01:11:09,439 --> 01:11:12,400
Speaker 1: maybe you buy two movie ticket to something. And then

1382
01:11:12,400 --> 01:11:14,320
Speaker 1: you pull a thing like, oh my gosh, my friend

1383
01:11:14,439 --> 01:11:16,400
Speaker 1: just totally bailed on me and I got the actor ticket.

1384
01:11:16,479 --> 01:11:19,160
Speaker 1: Would you want to go? Because then it's like no pressure,

1385
01:11:19,280 --> 01:11:21,760
Speaker 1: it's no big deal. It seems spontaneous. And then you

1386
01:11:21,840 --> 01:11:24,240
Speaker 1: get the idea if he's interested, if he says no,

1387
01:11:24,400 --> 01:11:27,120
Speaker 1: maybe he's really really shy, but it could be kind

1388
01:11:27,120 --> 01:11:29,760
Speaker 1: of a spontaneous, organic way of doing something together. I

1389
01:11:29,840 --> 01:11:32,240
Speaker 1: love that. It's like the best idea ever. And then

1390
01:11:32,280 --> 01:11:34,960
Speaker 1: you just like slide your hand over like, oh sorry,

1391
01:11:38,760 --> 01:11:39,599
Speaker 1: I love you guys,