WEBVTT - Making the Cut with Nick Viall

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<v Speaker 1>Wind Down with Janet Kramer and I Heart Radio jodcast.

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<v Speaker 1>Oh and Michael Causin, all right, got to change. That's

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<v Speaker 1>the guitar and I hear things. Do you want to

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<v Speaker 1>give it a run? It's good. Every time I'm on

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<v Speaker 1>a podcast, I listen to the opening songs. I want

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<v Speaker 1>to like get notes. Um, I like it. For those

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<v Speaker 1>of you that don't know that voice, this is Nick Vale.

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<v Speaker 1>What's up? Nick? How are you good? How are you?

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<v Speaker 1>I'm really delightful. Thank you for asking how you are.

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<v Speaker 1>That's good. Um. So for those of our wind Down

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<v Speaker 1>listeners that don't know you, let me just give them

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<v Speaker 1>a little rundown. Nick was on The Bachelor Bachelorte Bachelor

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<v Speaker 1>in Paradise. You first started Andy dorphan season where you

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<v Speaker 1>receive the first impression roads five years ago. Five years ago,

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<v Speaker 1>so if you're like forever kind of confessed his love

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<v Speaker 1>for her as one of the final two bachelors, Oh Dune,

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<v Speaker 1>Dune Dune. She chose someone else and then he popped

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<v Speaker 1>onto Caitlin Bristow's season. It was more or less invited

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<v Speaker 1>and final growth thereon, she chose Sean ca Dm. She

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<v Speaker 1>did every everyone knows this okay, and then you want

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<v Speaker 1>to bachelor on Paradise, But then you had your own

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<v Speaker 1>season of the Bachelor, which, by the way, when that

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<v Speaker 1>choice came up, because you were kind of like hated

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<v Speaker 1>a little bit. Not then, No, because I was when

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<v Speaker 1>you were a bachelor. No, when I was on That's

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<v Speaker 1>why I was the Bachelor because of Paradise, because that

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<v Speaker 1>was oh quite quite much. Yeah. Um, I mean, accord,

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<v Speaker 1>we all know Janna hated me. I guess no, no, no no, no,

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<v Speaker 1>it was just an interesting choice because you had already

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<v Speaker 1>had two shots, three shots apparently. Um, he had staying power.

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<v Speaker 1>I know, but like both three girls. Well you turned

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<v Speaker 1>down the one girl? But then did you turn it

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<v Speaker 1>down because you knew you wanted to be the bachelor? No? No,

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<v Speaker 1>you just didn't feel the love I did. Not do

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<v Speaker 1>people eat Paradise Actually in relationships, yeah, Jade and Tayner

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<v Speaker 1>arguably has a better track record than the Bachelor or Bachelorette. Um,

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<v Speaker 1>can I just ask you a question? Sure, so I

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<v Speaker 1>know both? No, because I know I'm friends with the

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<v Speaker 1>Andy I was would say I know that I'm friends

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<v Speaker 1>with Andy. Oh well no, I mean I'm friends with

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<v Speaker 1>Andy and how close? Um? Why doesn't matter. I mean

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<v Speaker 1>we're not like besties, but we chat whatever. I'm in

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<v Speaker 1>New York. We'll have a drink, We'll get a glass

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<v Speaker 1>of wine. She's a really nice girl. I like her.

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<v Speaker 1>I was friends with Caitlin. Well, not that I'm not

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<v Speaker 1>what happened? Oh whose podcast is this? Because I'm the

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<v Speaker 1>one asking the question. Son Um, I mean we're fine now,

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<v Speaker 1>but we have a little bit of a falling out.

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<v Speaker 1>I wouldn't say we're I mean we're we're fine now.

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<v Speaker 1>But I also know Vanessa because obviously she's on my

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<v Speaker 1>heart radio. So all his women have like really strong personalities.

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<v Speaker 1>They do super super super strong. It's exhausting. But then

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<v Speaker 1>why do you continue to pick the same women. It's

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<v Speaker 1>a great question, that's my question. Excellent question. You. Uh,

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<v Speaker 1>couple of things. Okay, mommy issues. No, my mom is

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<v Speaker 1>truly a saint. Uh. Interestingly enough, my mom is exactly

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<v Speaker 1>the opposite of those women. Those women I have, in

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<v Speaker 1>fairness to those women, always been attracted to very strong personalities. Uh.

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<v Speaker 1>And my defense is relates to those three women. Those

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<v Speaker 1>were obviously, as the show goes, unique circumstances. I didn't

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<v Speaker 1>select Andy when she was the patch slor At I

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<v Speaker 1>showed up but not new Caitlin was a unique situation

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<v Speaker 1>where we didn't know each other and I actually specifically

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<v Speaker 1>came for the girl. Uh. And then as when I

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<v Speaker 1>was the Bachelor, do you guys think you would have

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<v Speaker 1>really made it work? Though? Yeah? Yeah, made she made

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<v Speaker 1>the right choice. Um yeah, And then and you know,

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<v Speaker 1>I also didn't pick the thirty women that came out

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<v Speaker 1>of Lima when I was the Bachelor. You didn't have

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<v Speaker 1>one say no, now, you didn't get to look at

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<v Speaker 1>any of the girls or something. I would have cast

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<v Speaker 1>it Liz who affects with at a wedding. And then

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<v Speaker 1>we didn't talk. And then I was like, hey, come on,

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<v Speaker 1>let's talk about it. That was weird. It was a

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<v Speaker 1>weird one. Um, did you not watch Paradise? No, I

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<v Speaker 1>don't watch Paradise. I just watched the beginning to miss

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<v Speaker 1>on your part. Also, it's like my best work franchise,

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<v Speaker 1>So no, I did. I did not watch Paradise at

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<v Speaker 1>all anyways. Um, but Vanessa was sweet. She was you know,

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<v Speaker 1>she helped kids, she was but very strong personality. Again

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<v Speaker 1>because I exp we just hung out a nappa, but

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<v Speaker 1>so sweet her her first impression and yeah, strong, beautiful,

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<v Speaker 1>great is the room. She's an absolute pro at the

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<v Speaker 1>first impression. What's the second impression? Just like I'm just

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<v Speaker 1>saying her first impression, it's fantastic, right, But we go

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<v Speaker 1>deep on the show, we go real deep. We talk

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<v Speaker 1>about you know all of it. Um, I don't know

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<v Speaker 1>share our first impression is great, It's really great. I

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<v Speaker 1>was gonna say, I think strong personalities, strong real personalities

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<v Speaker 1>tend to get attracted to strong women. Personalities do sometimes

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<v Speaker 1>sometimes not. I have sometimes find it is it will

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<v Speaker 1>be opposite to try. I think. When it does, though,

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<v Speaker 1>it can be great because at the same time, if

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<v Speaker 1>someone who has a strong personality get someone who's submissive

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<v Speaker 1>all the time, that's not a challenge. That's not fun.

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<v Speaker 1>You and I, I mean you and I have to

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<v Speaker 1>have someone that challenges each other otherwise we walk all

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<v Speaker 1>over them. I don't know you that well, but I

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<v Speaker 1>don't know Mike at all. But do you guys have

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<v Speaker 1>strong personalities? Yeah? Very strong, And I mean they were

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<v Speaker 1>sweetest of guys, Like, I mean, I could name them.

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<v Speaker 1>They're they were so sweet. But it's like I will

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<v Speaker 1>literally walk fall and I did want anything. I can

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<v Speaker 1>do for you right whatever you whatever you want, hey,

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<v Speaker 1>um or listen. I have found to Mike's point, Um, listen,

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<v Speaker 1>I haven't figured it out yet in terms of my

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<v Speaker 1>my match. Yeah, I know my skin. Uh, I'm just kidding,

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<v Speaker 1>but I listen that what I've learned in life is

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<v Speaker 1>that sometimes, um, someone with a strong personality. I like confidence.

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<v Speaker 1>I'm attracted confidence. I think most people are, and I

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<v Speaker 1>think sometimes it's easy to mistaken people with strong personality

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<v Speaker 1>is confident people. Sometimes people who are who have strong

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<v Speaker 1>personalities and project what seems be confidence over time reveals

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<v Speaker 1>itself to be a lot of insecurities, and sometimes that

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<v Speaker 1>big personality will project project their insecurities and another person

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<v Speaker 1>who is also confident. Because if you are, uh, if

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<v Speaker 1>you're position yourself and present yourself as a confident person

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<v Speaker 1>and then get yourself in a situation where you feel

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<v Speaker 1>threatened or feel intimidated, and whether it's a friendship or

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<v Speaker 1>work situation or a relationship, sometimes that can come out.

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<v Speaker 1>I have found in relationships with women I have dated

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<v Speaker 1>that again, I'm sure I'm doing things, and there a

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<v Speaker 1>lot of things I can work on as a as

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<v Speaker 1>a partner, but I find that I bring out some

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<v Speaker 1>of those insecurities because I've always been a confident person

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<v Speaker 1>and it becomes contentious and it doesn't. It's not a

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<v Speaker 1>relationship where you're bringing each other up a brother bringing

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<v Speaker 1>each other down. Yeah, what is your fault? You think

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<v Speaker 1>in relationships? Like where do you think that you could? Like?

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<v Speaker 1>What's the one thing that you know that you have

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<v Speaker 1>to work on? M that you like? For me, Like,

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<v Speaker 1>I know I'm super passive in a relationship. I need

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<v Speaker 1>to learn how to not be as passive. I'm not.

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<v Speaker 1>I can some I need to well in life, I

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<v Speaker 1>need to listen better. I also will play devil's advocate

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<v Speaker 1>a little too much in a relationship. Um, And what

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<v Speaker 1>I've learned, I mean, I'll you know, I've learned this

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<v Speaker 1>from female friends and all friends that like sometimes especially

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<v Speaker 1>maybe let me know, Jenna, But if a woman is

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<v Speaker 1>expressing her frustration about any situation, sometimes she doesn't want

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<v Speaker 1>a solution. She just wants to set the up and

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<v Speaker 1>let her vent. And I can sometimes struggle with that

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<v Speaker 1>because I'm a solution based guy. It's like, all right,

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<v Speaker 1>let's break it down, all right, Like you know, like

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<v Speaker 1>this is a math equation and one plus one plus one,

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<v Speaker 1>he goes four for three or whatever. I don't know.

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<v Speaker 1>I ter carry the two and here's here's how you

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<v Speaker 1>do it. And she's like, just go, but I don't

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<v Speaker 1>want to yell. Yeah, and so I can. I can

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<v Speaker 1>be better at that? Interesting, I mean most men probably.

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<v Speaker 1>I mean I'm not a rare bird in that, but

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<v Speaker 1>not at all. But I really I could really work

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<v Speaker 1>on it. I'm like, yeah, yeah, I could really. I mean,

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<v Speaker 1>you want to settle down very much, so sometimes my

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<v Speaker 1>actions don't reflect my desires. But do you have any interest,

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<v Speaker 1>like in dating anyone that's not a social stature? Like

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<v Speaker 1>do you consider anybody and everybody? It all just kind

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<v Speaker 1>of depends on Yeah. Really that it's a really opened

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<v Speaker 1>the flawed gates. I'm really open to anything at this point.

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<v Speaker 1>What about Tanya? What about Tanya? She's a sweet girl.

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<v Speaker 1>I don't know, you're always trying to pimp out Tanya.

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<v Speaker 1>I love her, She's great. I don't know if we

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<v Speaker 1>would really, I think we're better friends. Yeah, So, like,

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<v Speaker 1>would you want confident? But then I feel like you

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<v Speaker 1>also want submissive. It's very confusing. I think you're a

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<v Speaker 1>very confusing bird. Like I can't I can't read you,

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<v Speaker 1>because I think that's what the draw is. I think

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<v Speaker 1>that's why girls people because interesting, because I often am

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<v Speaker 1>told that, and yet I often think I'm an open book.

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<v Speaker 1>I'm a very honest, blunt person. I will tell you

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<v Speaker 1>how I feel if you ask me a question, and

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<v Speaker 1>yet for some reason people can't figure me out. I

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<v Speaker 1>think part of it is because I have many different

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<v Speaker 1>opinions about things, and I do have you know, sometimes

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<v Speaker 1>they can be really quiet. Sometimes I can be big,

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<v Speaker 1>like loud, um, what do you think? Just on the

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<v Speaker 1>I don't I didn't watch it as much as Jana,

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<v Speaker 1>but the first few seasons, yeah, but it seemed like

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<v Speaker 1>guys weren't warm and fuzzy with you right like. It

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<v Speaker 1>always kind of seemed like they the way Maybe it's

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<v Speaker 1>just the way they produced it or edited that you

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<v Speaker 1>were kind of on your own and not you know,

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<v Speaker 1>buddy Buddy with all the all the all the bros.

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<v Speaker 1>Some truth to that early on and some of it

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<v Speaker 1>TV show on Andy season, it was very browy season.

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<v Speaker 1>It was like particularly like like Bro. It was also

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<v Speaker 1>can and Sean just like fun. That's the thing that

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<v Speaker 1>Caitlyn thing is so specifically to the Andy season. It

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<v Speaker 1>was a browy season and it was a poorly cast

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<v Speaker 1>I mean, Andy season was one of the lowest rated

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<v Speaker 1>bat Shirts of all time, and that was mostly because

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<v Speaker 1>it was kind of a boring season where they didn't

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<v Speaker 1>really have a villain. I was made to be the

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<v Speaker 1>villain and that was the runner up. And when you

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<v Speaker 1>watch it back, it was like, it's not really doing anything.

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<v Speaker 1>He gets he seems relatively normal, but like, you know,

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<v Speaker 1>I gave Andy, I mean, I was a villain because

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<v Speaker 1>I was strategic. That was my big crime, as I

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<v Speaker 1>gave her flowers. And so I think there wasn't at

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<v Speaker 1>the worst, you know, you didn't have the chat or

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<v Speaker 1>some of this real drama, all these different storylines. It

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<v Speaker 1>was a bunch of guys who were like bro and

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<v Speaker 1>everyone was like cool with each other because and I

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<v Speaker 1>was just like and I really liked Andy and there

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<v Speaker 1>was a real relationship and I just was like I

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<v Speaker 1>didn't have time for them. Um as far as Catlin season,

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<v Speaker 1>I showed up, right, I showed up as the perceived villain, right.

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<v Speaker 1>So all these guys at the time, the Tanners and

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<v Speaker 1>the Jared's and the bends of the world, you know,

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<v Speaker 1>there you know, then I came in they had this

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<v Speaker 1>literal target on my back. They were all really sweet

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<v Speaker 1>and it's funny. I'm you know, Jared, Jared Tanner, some

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<v Speaker 1>really good funds of mine, as well as Ben Higgins. Um,

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<v Speaker 1>they're all really cool. It was at that point just

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<v Speaker 1>so the story of the entire season was just Nick

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<v Speaker 1>versus Sean. That's that was the literally the whole season.

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<v Speaker 1>So are you? Are you Caitlin versus if you could pick,

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<v Speaker 1>it's a Caitlin or Sean team whom nobody you guys,

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<v Speaker 1>you have like a total hatred for her. No, and

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<v Speaker 1>that's not true. Caitlyn called me last week. Oh well,

0:12:21.480 --> 0:12:23.760
<v Speaker 1>there was a big article in US about how you guys,

0:12:25.080 --> 0:12:29.320
<v Speaker 1>I call it big another artist. Thanks for keeping up

0:12:29.360 --> 0:12:31.360
<v Speaker 1>on me. No, no, I'm not keeping up on you.

0:12:31.480 --> 0:12:36.080
<v Speaker 1>I was keeping up on US weekly there for my stories. Um, okay,

0:12:36.120 --> 0:12:38.160
<v Speaker 1>well that's so you guys are fine now, she called.

0:12:38.160 --> 0:12:40.560
<v Speaker 1>I mean I was always fun. I was always annoyed

0:12:40.679 --> 0:12:45.600
<v Speaker 1>with Caitlin. Um because over the past, I mean, in reality,

0:12:46.000 --> 0:12:49.600
<v Speaker 1>I showed up for a season which she uh basically

0:12:49.640 --> 0:12:52.320
<v Speaker 1>asked me to show up. I was I willingly also

0:12:52.440 --> 0:12:55.920
<v Speaker 1>wanted to show up. I very at the time strong

0:12:56.040 --> 0:12:58.880
<v Speaker 1>feelings for you know, the little relationship we had before

0:12:59.840 --> 0:13:02.680
<v Speaker 1>h um, and since you know, then she picked Sean,

0:13:02.720 --> 0:13:05.240
<v Speaker 1>which was ultimately the right choice, and then I basically

0:13:05.760 --> 0:13:08.720
<v Speaker 1>went away. You know, I didn't talk about her. If anything,

0:13:08.920 --> 0:13:12.400
<v Speaker 1>when she was getting criticism for the whole like sex

0:13:12.480 --> 0:13:15.360
<v Speaker 1>and whatever, and she was getting heat, I was defending her.

0:13:15.559 --> 0:13:17.079
<v Speaker 1>And then other than that, I just kind of went away.

0:13:17.720 --> 0:13:19.840
<v Speaker 1>And basically for the past three and a half years,

0:13:19.880 --> 0:13:22.360
<v Speaker 1>when it was ever convenient for her, whether it was

0:13:22.400 --> 0:13:24.280
<v Speaker 1>like a snarky joke or on her podcast, I was

0:13:24.280 --> 0:13:27.560
<v Speaker 1>always mean thrown under the bus by her for whatever reason,

0:13:27.600 --> 0:13:30.480
<v Speaker 1>and this implication that like, well then the producers maybe

0:13:30.640 --> 0:13:34.560
<v Speaker 1>bring Nick or blah blah blah, and I'm always like, yeah,

0:13:34.720 --> 0:13:36.719
<v Speaker 1>none of those remotely true kind of thing. And so

0:13:36.800 --> 0:13:40.440
<v Speaker 1>I was just always frustrating, and she made some more comments,

0:13:40.520 --> 0:13:42.840
<v Speaker 1>and at this point now you know that the excuse

0:13:42.920 --> 0:13:44.800
<v Speaker 1>was always Sean. You know, I was like, well, you know,

0:13:45.200 --> 0:13:49.319
<v Speaker 1>because Sean is insecure San, Sean is this, and um,

0:13:49.760 --> 0:13:51.959
<v Speaker 1>so I was pretty pissed, and so I made some

0:13:52.120 --> 0:13:54.040
<v Speaker 1>comment which I probably shouldn't have done, but I would

0:13:54.080 --> 0:13:56.079
<v Speaker 1>when it came when it comes to Caitlin. I'm very

0:13:56.160 --> 0:13:59.640
<v Speaker 1>sensitive about that situation because it was like, dude, look

0:13:59.679 --> 0:14:02.040
<v Speaker 1>what the well you took the high road and she

0:14:02.200 --> 0:14:04.480
<v Speaker 1>kept throwing ja well not only talking the high road,

0:14:04.520 --> 0:14:06.679
<v Speaker 1>it was no hyrod like. It was like we broke up, like,

0:14:06.800 --> 0:14:10.079
<v Speaker 1>you know, like I showed up. I'm sorry your fiance

0:14:10.320 --> 0:14:13.959
<v Speaker 1>hates me, but like what did I do? Um? And

0:14:14.520 --> 0:14:17.760
<v Speaker 1>to appease him? Like I was literally the butt of

0:14:18.040 --> 0:14:20.160
<v Speaker 1>jokes except when I was the batch or whenever it

0:14:20.240 --> 0:14:22.400
<v Speaker 1>was convenient for her. She would willingly show up on

0:14:22.560 --> 0:14:24.560
<v Speaker 1>Jimmy like she if it was you know, and so

0:14:24.680 --> 0:14:27.720
<v Speaker 1>that was frustrating. So anyways, she called. We had a

0:14:27.800 --> 0:14:30.360
<v Speaker 1>very nice conversation. She was very gracious, and it was

0:14:30.400 --> 0:14:33.280
<v Speaker 1>a conversation that she acknowledged should have happened a much

0:14:33.360 --> 0:14:36.000
<v Speaker 1>long ago. And it was a great It was a

0:14:36.040 --> 0:14:38.840
<v Speaker 1>great conversation and it was water under the bridge, and

0:14:38.880 --> 0:14:40.960
<v Speaker 1>it was probably some closure. I'd probably even thought I

0:14:41.080 --> 0:14:43.880
<v Speaker 1>I needed the time, but she certainly validated a lot

0:14:43.920 --> 0:14:46.480
<v Speaker 1>of things I had always thought and kind of acknowledged

0:14:46.520 --> 0:14:49.280
<v Speaker 1>and admitted. And it was it was nice to finally

0:14:49.360 --> 0:14:53.480
<v Speaker 1>hear so and her and Sea are done. Yeah she's dating,

0:14:54.720 --> 0:14:56.360
<v Speaker 1>So that's probably why she was able to finally have

0:14:56.440 --> 0:14:58.520
<v Speaker 1>that conversation with you. It sounds like it, but it

0:14:58.840 --> 0:15:01.760
<v Speaker 1>really kind of piste me off the sense of yeah

0:15:01.800 --> 0:15:03.120
<v Speaker 1>I can I told her this. I was like, dude,

0:15:03.240 --> 0:15:05.120
<v Speaker 1>like I went away and it's like, for some reason,

0:15:05.160 --> 0:15:07.240
<v Speaker 1>you've painted this narrative for three and a half years

0:15:07.280 --> 0:15:08.960
<v Speaker 1>that I was like some sort of prior to you,

0:15:09.160 --> 0:15:11.440
<v Speaker 1>when in reality there were stories that she too like

0:15:11.680 --> 0:15:17.120
<v Speaker 1>it was like quite the opposite. It was like, um,

0:15:17.440 --> 0:15:20.760
<v Speaker 1>and so again she was gracious and kind of things

0:15:20.800 --> 0:15:23.520
<v Speaker 1>that she admitted and acknowledged, and I was like, well,

0:15:23.760 --> 0:15:25.480
<v Speaker 1>I'm not great. You know. It's like I know I'm

0:15:25.520 --> 0:15:29.680
<v Speaker 1>not crazy, but thank you for acknowledging I'm not crazy. Um.

0:15:30.320 --> 0:15:32.640
<v Speaker 1>I think I think people's own insecurities can kind of

0:15:32.680 --> 0:15:37.640
<v Speaker 1>get in the way of you know, yeah, yeah, that

0:15:37.760 --> 0:15:39.960
<v Speaker 1>can happen. So so what are you doing now? You've

0:15:40.000 --> 0:15:42.680
<v Speaker 1>done all this bachelor stuff, You've done everything under the sun, Like,

0:15:42.760 --> 0:15:45.400
<v Speaker 1>what what about Nick? Now? And moving forward? About now?

0:15:45.640 --> 0:15:47.560
<v Speaker 1>What about I like that? What about Nick? Now? It's

0:15:47.560 --> 0:15:51.000
<v Speaker 1>a good show? Nick Now? I have named my podcast

0:15:51.240 --> 0:15:56.080
<v Speaker 1>now you should have the vil Files. Nick Now. I

0:15:56.160 --> 0:15:59.240
<v Speaker 1>have a podcast. It's called The Vile Files. It's Uh,

0:16:00.280 --> 0:16:03.080
<v Speaker 1>that's going well. Seen people seem to like it, seemed

0:16:03.080 --> 0:16:05.360
<v Speaker 1>to dig it. Jan is going to come on. I

0:16:05.440 --> 0:16:08.280
<v Speaker 1>am super pumped about that. What's the topic of conversation.

0:16:08.640 --> 0:16:11.200
<v Speaker 1>It's a lot of dating focus, but it's not I'm

0:16:11.240 --> 0:16:12.840
<v Speaker 1>just going to grill you about what is it? Like

0:16:13.000 --> 0:16:14.840
<v Speaker 1>you know, because you you I don't think you go

0:16:15.160 --> 0:16:17.080
<v Speaker 1>you need to go a little deeper, like there's something

0:16:17.240 --> 0:16:20.560
<v Speaker 1>deep rooted in you. Yeah, don't you have you listen

0:16:20.560 --> 0:16:22.840
<v Speaker 1>to podcast? I don't know. Well, are you talking about me?

0:16:23.520 --> 0:16:26.160
<v Speaker 1>I don't care. No, but I mean you haven't listened

0:16:26.200 --> 0:16:30.320
<v Speaker 1>to this, probably exactly, but no. Um, like I feel

0:16:30.360 --> 0:16:32.760
<v Speaker 1>like you like there's something that you're trying to find

0:16:32.880 --> 0:16:35.360
<v Speaker 1>and in myself. Yeah, you want to put me on

0:16:35.440 --> 0:16:40.760
<v Speaker 1>your couch, so to speak. Okay, Um, we do a

0:16:40.800 --> 0:16:42.640
<v Speaker 1>lot of dating stuff. It all kind of stemmed from

0:16:42.680 --> 0:16:44.640
<v Speaker 1>my questions with Nick that I do on my Instagram

0:16:44.720 --> 0:16:47.040
<v Speaker 1>and so fans will call in and with a lot

0:16:47.080 --> 0:16:49.720
<v Speaker 1>of dating questions, sex questions, Well we'll dive into it.

0:16:50.240 --> 0:16:53.200
<v Speaker 1>We cover the Bachelor when it's on Bachelorette rather for

0:16:53.240 --> 0:16:55.400
<v Speaker 1>a little bit. No, we're just gonna talk about life

0:16:55.600 --> 0:16:59.480
<v Speaker 1>and you know, so he's doing oils now I also

0:16:59.520 --> 0:17:04.200
<v Speaker 1>have also oil company that jan is all about essential oils. Well,

0:17:04.280 --> 0:17:08.560
<v Speaker 1>she now has USD organic essential oil blends from natural habits. Yes,

0:17:08.800 --> 0:17:12.280
<v Speaker 1>and can you because Michael doesn't. And I really don't

0:17:12.280 --> 0:17:13.760
<v Speaker 1>know what they're doing either, but I just know that

0:17:13.920 --> 0:17:17.880
<v Speaker 1>I've been told they're good for I'm constantly diffusing around

0:17:17.880 --> 0:17:19.920
<v Speaker 1>the house and then I'm how what do I do

0:17:20.040 --> 0:17:24.120
<v Speaker 1>to Jay's? But I'm doing it wrong. I wish people

0:17:24.119 --> 0:17:26.440
<v Speaker 1>would see like before It's like she's blessing Jay's before

0:17:26.480 --> 0:17:28.359
<v Speaker 1>he goes to bed with essential oils. It's like on

0:17:28.440 --> 0:17:31.440
<v Speaker 1>his forehead, on his feet, like behind his ears, and Jenny,

0:17:31.440 --> 0:17:33.960
<v Speaker 1>you want to be careful, uh, depending on the essential

0:17:34.000 --> 0:17:36.639
<v Speaker 1>oil and the quality of the oils. Essential oils have

0:17:37.160 --> 0:17:40.120
<v Speaker 1>medicinal benefits and they're very potent in a great way,

0:17:40.960 --> 0:17:43.160
<v Speaker 1>but you do want to be careful by putting pure

0:17:43.240 --> 0:17:46.640
<v Speaker 1>essential oils directly on your skin and children's skin because

0:17:46.640 --> 0:17:49.679
<v Speaker 1>they have sensitive um. If you're gonna put essential oils

0:17:49.800 --> 0:17:52.000
<v Speaker 1>on your on your skin, you wanted to loot it

0:17:52.040 --> 0:17:54.000
<v Speaker 1>with a cry oil. Essential oils does that with their

0:17:54.119 --> 0:17:56.600
<v Speaker 1>roll ons already. So we have the pure essential oil

0:17:56.640 --> 0:17:57.959
<v Speaker 1>that you put in a diffused it or you went

0:17:58.000 --> 0:17:59.800
<v Speaker 1>on put into a couple of few drops under warm

0:17:59.800 --> 0:18:02.560
<v Speaker 1>back and you can get the aroma therapy that way. Um.

0:18:02.880 --> 0:18:05.159
<v Speaker 1>And we specially we blend them already so they're already blended,

0:18:05.240 --> 0:18:07.480
<v Speaker 1>so they have specific like you make me a baby blend,

0:18:08.320 --> 0:18:11.680
<v Speaker 1>I want to mean a baby blend. So another company

0:18:11.720 --> 0:18:14.240
<v Speaker 1>which I won't name because we're promoting yours, the level

0:18:14.280 --> 0:18:17.399
<v Speaker 1>marketing company called Young Living. Oh yeah, man, they have

0:18:17.760 --> 0:18:21.320
<v Speaker 1>a get not us dr again, but they say this

0:18:21.440 --> 0:18:24.439
<v Speaker 1>for baby like gentle baby sniffle ease for the kids.

0:18:25.080 --> 0:18:27.480
<v Speaker 1>I mean, that's all marketing in a sense, but we

0:18:27.560 --> 0:18:30.600
<v Speaker 1>try to focus on the actual like benefits. And you

0:18:30.680 --> 0:18:32.440
<v Speaker 1>know the thing about the Essential oil company, sometimes it

0:18:32.480 --> 0:18:34.760
<v Speaker 1>gets a bad rap because central oils can be very

0:18:34.800 --> 0:18:36.760
<v Speaker 1>beneficial for you, right, they can have a lot of

0:18:36.840 --> 0:18:41.280
<v Speaker 1>various benefits. But sometimes because I think my husband's we

0:18:41.400 --> 0:18:44.760
<v Speaker 1>have like the center blend is it's specific. It's blends

0:18:45.280 --> 0:18:50.760
<v Speaker 1>of various oils to help reduce and um headaches. So

0:18:50.840 --> 0:18:53.040
<v Speaker 1>if you're prone to headaches, you would diffuse it in

0:18:53.119 --> 0:18:54.680
<v Speaker 1>your house or roll it on the and the roll

0:18:54.760 --> 0:18:56.520
<v Speaker 1>ons and well, if you have a headache will help

0:18:56.600 --> 0:18:58.600
<v Speaker 1>reduce it. And if you are prone to headaches. It

0:18:58.640 --> 0:19:01.879
<v Speaker 1>will help you not at them at all. Our release

0:19:01.960 --> 0:19:03.159
<v Speaker 1>is great for winding that at the end of the

0:19:03.200 --> 0:19:04.960
<v Speaker 1>day are going to sleep. It helps with anxiety. That's

0:19:04.960 --> 0:19:07.159
<v Speaker 1>why I started using essential oils. You have anxiety to

0:19:07.720 --> 0:19:09.960
<v Speaker 1>very bad. I have terrible anxiety, So I would use

0:19:10.000 --> 0:19:11.679
<v Speaker 1>the release a lot. The rise of something you'd use

0:19:11.680 --> 0:19:13.679
<v Speaker 1>in the morning kind of gives you a little uh

0:19:14.160 --> 0:19:16.720
<v Speaker 1>mental clarity. UM focus, you know, kind of gives you

0:19:16.800 --> 0:19:18.880
<v Speaker 1>some energy boost of energy. You use them all through

0:19:18.920 --> 0:19:24.919
<v Speaker 1>the fusers. Mike a warm bath if you ever bath up,

0:19:24.920 --> 0:19:27.600
<v Speaker 1>I'm a big bath. How did you put a few drops?

0:19:27.640 --> 0:19:30.399
<v Speaker 1>And our protectives for immunity boost with UM so the

0:19:31.600 --> 0:19:33.159
<v Speaker 1>the blends that are already in there. And so if

0:19:33.200 --> 0:19:36.160
<v Speaker 1>you if you call which one I put on any well,

0:19:36.200 --> 0:19:37.680
<v Speaker 1>I mean, like I don't think your baby gets headaches,

0:19:37.720 --> 0:19:39.440
<v Speaker 1>and maybe not that. I think the protect would probably

0:19:39.520 --> 0:19:41.600
<v Speaker 1>something I would put on because it helps boost their immunity.

0:19:43.320 --> 0:19:46.439
<v Speaker 1>You can put the UM release on there for sure. Okay,

0:19:46.640 --> 0:19:49.680
<v Speaker 1>why do you have anxiety? Why don't I have anxiety

0:19:50.040 --> 0:19:51.639
<v Speaker 1>and put it on you? When you put it on

0:19:52.000 --> 0:19:55.200
<v Speaker 1>a baby, put on the bottom of your feet, they're temple.

0:19:55.600 --> 0:19:58.600
<v Speaker 1>That's one of the many locations. It's diluted. It's diluted

0:19:58.640 --> 0:20:02.280
<v Speaker 1>the roll on UM so are it's safe. But you know,

0:20:02.320 --> 0:20:05.399
<v Speaker 1>if you want to be extract cautious, UM sample it

0:20:05.480 --> 0:20:07.440
<v Speaker 1>and if they don't have any type of reaction. But

0:20:07.800 --> 0:20:10.239
<v Speaker 1>what differs you, guys from all the other essential oils, Well,

0:20:10.240 --> 0:20:12.160
<v Speaker 1>the biggest ones. We are U s D Organic certified,

0:20:12.240 --> 0:20:15.159
<v Speaker 1>which in the essential oil space is unique. We're not

0:20:15.200 --> 0:20:17.239
<v Speaker 1>the only ones, but we're one of the few. UM.

0:20:17.560 --> 0:20:20.399
<v Speaker 1>A lot of companies will call themselves add percent pure. Uh,

0:20:20.440 --> 0:20:23.560
<v Speaker 1>some kindanies will call themselves therapeutic grade. That's it. If

0:20:23.600 --> 0:20:26.960
<v Speaker 1>you google it, it's made up designation that's not recognized

0:20:27.000 --> 0:20:29.680
<v Speaker 1>by any official third party in the U s D.

0:20:29.880 --> 0:20:33.240
<v Speaker 1>A UM has qualified our oils is organic because of

0:20:33.320 --> 0:20:35.320
<v Speaker 1>the farms that we source for oils from and they

0:20:35.400 --> 0:20:38.080
<v Speaker 1>have no contamination or wrote off or adulter ins or

0:20:38.119 --> 0:20:40.840
<v Speaker 1>fragrances or alcohol that we put in them. So an

0:20:40.920 --> 0:20:45.159
<v Speaker 1>you really think it's helped your anxiety? Yeah? Absolutely? Is

0:20:45.200 --> 0:20:47.000
<v Speaker 1>it just in your head? No, it's absolutely not your

0:20:47.040 --> 0:20:50.840
<v Speaker 1>head when it comes to essential oils. It's listen, it's

0:20:51.080 --> 0:20:53.720
<v Speaker 1>it's something. It's one thing I used to help with

0:20:54.080 --> 0:20:57.880
<v Speaker 1>my overall mental emotional and physical well being. Exercising also

0:20:57.920 --> 0:21:00.720
<v Speaker 1>helps my anxiety. Eating right also helps with anxiety. Staying

0:21:00.760 --> 0:21:03.640
<v Speaker 1>off my phone, it's one thing that helps me. Um

0:21:04.520 --> 0:21:07.119
<v Speaker 1>the center Blend. It helps me with my headaches sometimes.

0:21:07.200 --> 0:21:09.240
<v Speaker 1>Have I ever still taken an idear hero thin because

0:21:09.280 --> 0:21:11.800
<v Speaker 1>my head is so bad? Sure? But this has allowed

0:21:11.840 --> 0:21:16.679
<v Speaker 1>me to take less medication for anxiety or head aches. Uh,

0:21:17.520 --> 0:21:19.760
<v Speaker 1>I don't get sick very often, you know, in terms

0:21:19.800 --> 0:21:23.040
<v Speaker 1>of using it to boost my immune system and so um.

0:21:23.160 --> 0:21:26.040
<v Speaker 1>Also just keep in mind too forgetting about that. When

0:21:26.080 --> 0:21:29.120
<v Speaker 1>you are talking about essential oils. Do you use candles? Jenna? Probably?

0:21:29.960 --> 0:21:31.480
<v Speaker 1>You know? Do you want to know goes into the candle?

0:21:32.200 --> 0:21:38.359
<v Speaker 1>What toxins lead, paraffins, egens like uh, I can't even

0:21:38.400 --> 0:21:42.840
<v Speaker 1>pronounce some of them. They're terrible. Canary and coal mine?

0:21:42.880 --> 0:21:44.480
<v Speaker 1>Have you ever heard that story? I know, canarian a,

0:21:44.520 --> 0:21:47.080
<v Speaker 1>cole mine, West Virginia coal miner. Are the candles all

0:21:47.160 --> 0:21:52.440
<v Speaker 1>bad though? Pretty much? Well? I mean candle, you're still

0:21:52.520 --> 0:21:55.160
<v Speaker 1>burning it? I mean you can There are really yes,

0:21:55.240 --> 0:21:58.400
<v Speaker 1>there are some kind of are really or yes, aesthetically

0:21:58.440 --> 0:22:00.320
<v Speaker 1>they're great, sure, but those are like a hundred and

0:22:00.320 --> 0:22:03.560
<v Speaker 1>fifty dollar candles. But most candles you're spending bucks on

0:22:04.560 --> 0:22:07.800
<v Speaker 1>have in they're colored their chemicals, and you're setting it

0:22:07.840 --> 0:22:13.080
<v Speaker 1>on fire and you're breathing it. How much of those

0:22:13.119 --> 0:22:15.000
<v Speaker 1>malone candles? I don't even know how much do they cost?

0:22:17.359 --> 0:22:19.040
<v Speaker 1>If if they're if they got bad stuff in them,

0:22:19.080 --> 0:22:21.440
<v Speaker 1>then I'm gonna really do an uproar because those are expensive. Candle?

0:22:21.480 --> 0:22:24.240
<v Speaker 1>How much like bucks? A candle? A candle? And now

0:22:24.280 --> 0:22:26.600
<v Speaker 1>how long if you burn it nonstoff? How long will last?

0:22:26.880 --> 0:22:29.440
<v Speaker 1>A couple of days? Couple days? Well, an essential oil

0:22:30.119 --> 0:22:33.080
<v Speaker 1>blend is around fifty bucks? And so how much is

0:22:33.160 --> 0:22:39.040
<v Speaker 1>this set that eighty eight dollars? And then all right,

0:22:39.080 --> 0:22:42.040
<v Speaker 1>now are blends are forty dollars? They're usually fifty six?

0:22:42.160 --> 0:22:44.840
<v Speaker 1>But there right now? Okay? And then where do the

0:22:44.920 --> 0:22:48.760
<v Speaker 1>listeners go? Dot com and follow Instagram? In natural habits?

0:22:49.680 --> 0:22:52.119
<v Speaker 1>But yes, carry in a coal mine. Uh. Coal miners

0:22:52.160 --> 0:22:55.480
<v Speaker 1>would carry canaries into a coal mine to make sure

0:22:55.560 --> 0:22:57.639
<v Speaker 1>that the air was safe because birds in general have

0:22:57.800 --> 0:23:00.200
<v Speaker 1>sensitive respiratory systems, and if you put a bird heard

0:23:00.800 --> 0:23:06.320
<v Speaker 1>specifically canary, next to a candle, they'll have you tested. This. No,

0:23:07.440 --> 0:23:09.800
<v Speaker 1>it's just like a feeder. It's just a fact. My

0:23:09.960 --> 0:23:11.919
<v Speaker 1>point is is this for all the people who are

0:23:12.040 --> 0:23:14.720
<v Speaker 1>so worried about what they're breathing, and like your plugins,

0:23:14.760 --> 0:23:17.720
<v Speaker 1>your glade air fresheners, also all chemicals and synthetic adulterants

0:23:17.760 --> 0:23:19.679
<v Speaker 1>you're putting in your air and your skin and your

0:23:19.720 --> 0:23:22.000
<v Speaker 1>respiratory system is when your largest organs and then all

0:23:22.080 --> 0:23:24.840
<v Speaker 1>goes into your blood. So before you start burning a candle,

0:23:25.280 --> 0:23:26.840
<v Speaker 1>when you too want to make some love and have

0:23:26.920 --> 0:23:28.800
<v Speaker 1>some sex, set the mood right, light some candles, blow

0:23:28.800 --> 0:23:31.280
<v Speaker 1>it out. I'll be fine, but don't fill your indoor

0:23:31.359 --> 0:23:35.960
<v Speaker 1>air yourself with um. Diffuse them instead. Do you have

0:23:36.000 --> 0:23:38.239
<v Speaker 1>a diffuse in every room? I do? Actually, I mean

0:23:38.240 --> 0:23:40.200
<v Speaker 1>I own the company. So I have two black ones

0:23:40.240 --> 0:23:42.919
<v Speaker 1>in a white one in my house. Can we get

0:23:42.960 --> 0:23:45.800
<v Speaker 1>some more of these for that? Like? How like how

0:23:45.840 --> 0:23:47.680
<v Speaker 1>should we have it in in a house? How many

0:23:47.720 --> 0:23:50.879
<v Speaker 1>should you have? Should you have one about four to

0:23:50.960 --> 0:23:56.760
<v Speaker 1>six square feet? So this would be Jolly's room, rolly room. Ums.

0:23:56.800 --> 0:23:59.639
<v Speaker 1>Two settings where you have a set setting where constant

0:23:59.680 --> 0:24:01.760
<v Speaker 1>stream last about four hours, and you have one where

0:24:01.760 --> 0:24:05.679
<v Speaker 1>it will look um kind of intermittence. We have one

0:24:05.680 --> 0:24:07.800
<v Speaker 1>of these that look the exact same one just doesn't

0:24:07.840 --> 0:24:10.760
<v Speaker 1>say that in the bottom I don't know. I got

0:24:10.840 --> 0:24:13.200
<v Speaker 1>it from I think a different company, but same a

0:24:13.240 --> 0:24:16.560
<v Speaker 1>lot ceramic and it's sup stone diffuser and it lights

0:24:16.680 --> 0:24:18.560
<v Speaker 1>up if you want. All right, so n h oils

0:24:18.600 --> 0:24:25.440
<v Speaker 1>dot com. Nick, You're awesome. Good bye. Hiring is challenging,

0:24:25.560 --> 0:24:28.080
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0:25:00.200 --> 0:25:03.560
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0:25:03.680 --> 0:25:06.040
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0:25:09.200 --> 0:25:12.200
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0:25:19.160 --> 0:25:21.920
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0:25:22.119 --> 0:25:24.680
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0:25:27.520 --> 0:25:30.080
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0:25:35.359 --> 0:25:38.800
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0:25:44.520 --> 0:25:47.520
<v Speaker 1>Information visit JD power dot com. We just got back

0:25:47.560 --> 0:25:49.800
<v Speaker 1>from almost a week of traveling and Jane and I

0:25:50.240 --> 0:25:52.320
<v Speaker 1>are so happy to be back in our sick number. Yeah,

0:25:52.320 --> 0:25:54.480
<v Speaker 1>because it's so great because Mike likes a little harder,

0:25:54.600 --> 0:25:57.040
<v Speaker 1>I like it a little softer, and it's just so

0:25:57.160 --> 0:25:59.920
<v Speaker 1>great that we're able to choose truly what we want

0:26:00.040 --> 0:26:02.600
<v Speaker 1>for our sleep to have quality sleep. So coming during

0:26:02.600 --> 0:26:04.600
<v Speaker 1>the Memorial Day sale and say one thousand on new

0:26:04.640 --> 0:26:07.800
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0:26:07.840 --> 0:26:11.560
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0:26:11.600 --> 0:26:15.159
<v Speaker 1>any of the five Sleep Number stores nationwide. Find the

0:26:15.240 --> 0:26:21.439
<v Speaker 1>one nearest you at sleep number dot com slash Janna. Okay,

0:26:21.560 --> 0:26:25.000
<v Speaker 1>so we have another fun guest, and this is going

0:26:25.040 --> 0:26:29.040
<v Speaker 1>to be interesting just because we've had many discussions and

0:26:30.359 --> 0:26:34.359
<v Speaker 1>arguments around finances, which I think every couple does. Yeah, right,

0:26:34.400 --> 0:26:38.000
<v Speaker 1>I mean that's one of the major stresses in life.

0:26:38.600 --> 0:26:40.280
<v Speaker 1>Mm hm. I mean we even had an argument this

0:26:40.400 --> 0:26:46.080
<v Speaker 1>morning about about the tension around the money issues because

0:26:47.359 --> 0:26:51.359
<v Speaker 1>we were playing Alexa and Jolie wanted to watch TV,

0:26:51.520 --> 0:26:53.280
<v Speaker 1>but it was like, you need to subscribe to whatever

0:26:53.560 --> 0:26:57.800
<v Speaker 1>and Michael goes, sorry, Jolie, we can't afford that, and

0:26:57.880 --> 0:27:00.159
<v Speaker 1>then I said, yeah, because Daddy spends our money, like

0:27:00.320 --> 0:27:02.840
<v Speaker 1>I was saying it in a joking way, and he

0:27:02.920 --> 0:27:06.240
<v Speaker 1>got you, what's so upset about. It's been a sense

0:27:06.280 --> 0:27:09.760
<v Speaker 1>of thing recently because our whole situation with although iPad

0:27:09.840 --> 0:27:13.040
<v Speaker 1>game and all that dumb stuff. So it was just

0:27:13.240 --> 0:27:15.720
<v Speaker 1>it felt like a jab in the moment. I was like,

0:27:15.840 --> 0:27:17.879
<v Speaker 1>are we over this? Because I'm not really receiving this

0:27:17.960 --> 0:27:20.760
<v Speaker 1>as a joke, even though that was your intention, right,

0:27:20.840 --> 0:27:26.120
<v Speaker 1>But I didn't know because we really haven't completely settled

0:27:26.200 --> 0:27:28.159
<v Speaker 1>it as all right, this is we're done with this.

0:27:28.920 --> 0:27:32.119
<v Speaker 1>It's in the past. There's no animosity. Let's move on. Well,

0:27:32.160 --> 0:27:34.600
<v Speaker 1>now we gets talked to a financial expert. His name

0:27:34.640 --> 0:27:37.920
<v Speaker 1>is David bach Um. He has nine New York Times

0:27:38.119 --> 0:27:42.280
<v Speaker 1>best sellers. That's pretty Yeah, that's impressive. Oh, this is interesting.

0:27:42.359 --> 0:27:44.680
<v Speaker 1>So basically, the latte factor explains how the money we

0:27:44.760 --> 0:27:48.400
<v Speaker 1>waste on frivolous things. So the Hulu subscription you never watch, um,

0:27:48.480 --> 0:27:52.199
<v Speaker 1>the latte that has become the habit and isn't even enjoyed,

0:27:52.359 --> 0:27:54.080
<v Speaker 1>so the bottle water and so on that you don't

0:27:54.119 --> 0:27:57.560
<v Speaker 1>even um. Basically, all those things that you can save

0:27:57.640 --> 0:28:01.359
<v Speaker 1>on can make you rich. So, for example, if we

0:28:01.400 --> 0:28:04.560
<v Speaker 1>don't have certain subscriptions that we don't use, but who

0:28:04.560 --> 0:28:08.320
<v Speaker 1>may think we use And that's a great, a great question.

0:28:08.560 --> 0:28:10.399
<v Speaker 1>I have a great question around that. But also I

0:28:10.440 --> 0:28:13.000
<v Speaker 1>have something to say. I was thinking this the other day.

0:28:13.400 --> 0:28:14.639
<v Speaker 1>What are your thoughts on when we get to the

0:28:14.720 --> 0:28:17.159
<v Speaker 1>Nashville house. I would really like to cut out plastic

0:28:17.240 --> 0:28:24.280
<v Speaker 1>water bottles, so we like I buy a case of water.

0:28:24.480 --> 0:28:26.159
<v Speaker 1>You go through it in like two days because you

0:28:26.240 --> 0:28:28.240
<v Speaker 1>drink so much water. I do drink a lot of water.

0:28:28.600 --> 0:28:32.560
<v Speaker 1>Here's my problem. You can even tell the difference between

0:28:32.640 --> 0:28:35.920
<v Speaker 1>Arrowhead and Essentia. You can tell. The people will say

0:28:36.040 --> 0:28:38.080
<v Speaker 1>you can't taste the difference. I promise you when you

0:28:38.200 --> 0:28:40.840
<v Speaker 1>drink a water, we'll get the best filter money can buy.

0:28:42.560 --> 0:28:46.080
<v Speaker 1>If we can get the filter that goes through the house,

0:28:47.440 --> 0:28:50.600
<v Speaker 1>then yes, refrigerator has a filter. No, but those are

0:28:50.680 --> 0:28:55.400
<v Speaker 1>not good filters. What's a good filter? What is it?

0:28:55.480 --> 0:29:00.400
<v Speaker 1>What is Essentials filter? What do they use? They? I

0:29:00.760 --> 0:29:02.960
<v Speaker 1>saw the thing on YouTube. Let's reach out to Essentia.

0:29:03.760 --> 0:29:08.959
<v Speaker 1>Let's hey give us your patent technology Instagram the other

0:29:09.040 --> 0:29:11.840
<v Speaker 1>day just to try to get a free bottle. No

0:29:12.000 --> 0:29:15.640
<v Speaker 1>luck yet, but I'm working on it. Um No, but

0:29:15.760 --> 0:29:18.920
<v Speaker 1>I just there's a lot of things like lead in water.

0:29:19.360 --> 0:29:21.880
<v Speaker 1>Right when you need do those tests. People can do

0:29:21.960 --> 0:29:23.840
<v Speaker 1>the tests of what's in the water, and water can

0:29:23.880 --> 0:29:26.280
<v Speaker 1>be very bad. And that's in order for it to

0:29:26.320 --> 0:29:28.640
<v Speaker 1>be as much water for county to allow it to

0:29:28.680 --> 0:29:31.520
<v Speaker 1>be drinking water, it has to pass certain tests and

0:29:31.560 --> 0:29:36.360
<v Speaker 1>all of that. Okay, Flint that with Mike on this one.

0:29:36.440 --> 0:29:39.520
<v Speaker 1>Tap water is just fine. I will say this. There

0:29:39.520 --> 0:29:41.320
<v Speaker 1>are parts of the country where it's not so fine.

0:29:41.640 --> 0:29:45.400
<v Speaker 1>But Nashville, I'm sure has fantastic tap water. Yes, okay,

0:29:45.440 --> 0:29:48.840
<v Speaker 1>so up North Michigan we have the best freaking water ever.

0:29:49.000 --> 0:29:50.680
<v Speaker 1>I mean to the point where my mom used to

0:29:50.720 --> 0:29:53.680
<v Speaker 1>bring home jugs like milk carton jugs of water. But

0:29:53.880 --> 0:29:56.840
<v Speaker 1>you can taste the difference between a britta and essential water.

0:29:57.480 --> 0:30:02.920
<v Speaker 1>I promise you same amount. Michael. You even sat there

0:30:02.920 --> 0:30:04.880
<v Speaker 1>and you go this taste like lake water when you

0:30:04.960 --> 0:30:07.560
<v Speaker 1>were drinking, because I had just taken a sip of

0:30:07.600 --> 0:30:09.680
<v Speaker 1>ascension and just taking a sip of a lake arrowhead

0:30:10.960 --> 0:30:14.600
<v Speaker 1>local water. And what is the reasoning that you want

0:30:14.640 --> 0:30:17.800
<v Speaker 1>to get rid of the bottles? Because? Is it because

0:30:17.840 --> 0:30:22.720
<v Speaker 1>the waste or because because we're We're right, but we

0:30:22.880 --> 0:30:25.600
<v Speaker 1>do go through a lot. And just from a cost standpoint,

0:30:25.920 --> 0:30:28.480
<v Speaker 1>like we're like where we're about to where we're about

0:30:28.480 --> 0:30:31.160
<v Speaker 1>to talk about with David back, is I feel like

0:30:31.240 --> 0:30:33.440
<v Speaker 1>maybe that's something where we could cut cost because we

0:30:33.560 --> 0:30:36.800
<v Speaker 1>buy so much because we drink so much water. All right,

0:30:37.400 --> 0:30:40.680
<v Speaker 1>that's an idea. Okay, fine, I can cut that. That's

0:30:40.840 --> 0:30:42.760
<v Speaker 1>huge for me though, you know, that's like I'm not

0:30:42.840 --> 0:30:44.760
<v Speaker 1>saying we have to. I'm just saying it just it's

0:30:44.760 --> 0:30:47.840
<v Speaker 1>a thought. She's setting you up. Now, she's saying that's huge.

0:30:47.960 --> 0:30:50.680
<v Speaker 1>Now she's gonna go back for you to give something.

0:30:50.880 --> 0:30:54.080
<v Speaker 1>It has I think you should not golf ever again. Um,

0:30:54.160 --> 0:30:56.760
<v Speaker 1>excuse me. Can we just give me wife points? Because

0:30:56.920 --> 0:31:00.280
<v Speaker 1>I was going through the checklist with you last night. Yeah,

0:31:00.640 --> 0:31:02.959
<v Speaker 1>I have the I have the best wife ever. Because

0:31:03.520 --> 0:31:06.000
<v Speaker 1>I ripped out this page and like a recent Golf

0:31:06.080 --> 0:31:10.240
<v Speaker 1>Digest top hundred public courses in the country for two twenty,

0:31:11.160 --> 0:31:13.160
<v Speaker 1>and I told her, I was like, you know, this

0:31:13.240 --> 0:31:14.960
<v Speaker 1>is kind of like my new bucket list. I want

0:31:14.960 --> 0:31:17.160
<v Speaker 1>to be able to cross off every one of these courses.

0:31:18.000 --> 0:31:21.120
<v Speaker 1>And she's like the only wife I would know that.

0:31:21.240 --> 0:31:23.880
<v Speaker 1>Like last night, yesterday, we're in Vegas and I went

0:31:23.960 --> 0:31:26.000
<v Speaker 1>and played Shadow Creek, which is probably the most beautiful

0:31:26.040 --> 0:31:28.080
<v Speaker 1>course I played to date, more than Pebble, even though

0:31:28.080 --> 0:31:31.560
<v Speaker 1>Pebble's number one on the list, And she was sitting

0:31:31.560 --> 0:31:33.200
<v Speaker 1>there like next to me, crossing off she and she

0:31:33.360 --> 0:31:34.880
<v Speaker 1>was like, you know later, you know, next month I

0:31:34.880 --> 0:31:36.520
<v Speaker 1>have to go to organ. Maybe come to Organ. Here's

0:31:36.560 --> 0:31:39.440
<v Speaker 1>something organ And like trying to logistically plant it out

0:31:39.480 --> 0:31:41.240
<v Speaker 1>with me, and I looked at it like, you're like

0:31:41.280 --> 0:31:44.080
<v Speaker 1>the coolest wife ever, because no other wife would do this.

0:31:44.200 --> 0:31:45.920
<v Speaker 1>Every other wife would be like, why are you going

0:31:45.960 --> 0:31:47.560
<v Speaker 1>to do that? You're gonna spend money, this and that.

0:31:47.720 --> 0:31:49.760
<v Speaker 1>So if it's something that you enjoy and it's an

0:31:49.800 --> 0:31:52.800
<v Speaker 1>outer circle, you know, behavior, Yeah, it is my number

0:31:52.880 --> 0:31:57.320
<v Speaker 1>one thing for me. So I appreciate that, right, and

0:31:57.400 --> 0:32:00.240
<v Speaker 1>so don't take away my water. Kid me by water

0:32:01.120 --> 0:32:04.800
<v Speaker 1>water bottles. I mean, if you can get the essential

0:32:04.920 --> 0:32:07.520
<v Speaker 1>filter mark, what do you do? Can you like Google

0:32:07.680 --> 0:32:12.440
<v Speaker 1>like how to get the best filter? Because I water like, no,

0:32:12.600 --> 0:32:14.160
<v Speaker 1>it's not. If you drink a vy On water, it

0:32:14.280 --> 0:32:17.400
<v Speaker 1>tastes like lotion. And I promise you if we get

0:32:17.440 --> 0:32:19.480
<v Speaker 1>an evy On bottle right now and you drink Von

0:32:19.600 --> 0:32:21.960
<v Speaker 1>versus An, essentially you can taste. I would like to

0:32:22.040 --> 0:32:24.840
<v Speaker 1>do a taste test with you guys on water, different

0:32:24.880 --> 0:32:29.320
<v Speaker 1>bottled water. Next week. We'll do That'll do That'll get

0:32:29.520 --> 0:32:33.640
<v Speaker 1>a million percent. Know Evon literally tastes like lotion. It

0:32:33.800 --> 0:32:36.240
<v Speaker 1>is very curious if if your palette is that sensitive,

0:32:36.320 --> 0:32:40.200
<v Speaker 1>you could tell the difference. Yes, you can, think you can.

0:32:40.480 --> 0:32:43.800
<v Speaker 1>So you're could you do a hydro flask out of

0:32:43.880 --> 0:32:46.600
<v Speaker 1>refrigerator and live on that. What does that mean? You know,

0:32:46.640 --> 0:32:48.960
<v Speaker 1>the big hydro flasks, the big heavy things that everybody's

0:32:48.960 --> 0:32:51.200
<v Speaker 1>carrying around right now, Tony's got a hot pink one. Well,

0:32:51.480 --> 0:32:53.600
<v Speaker 1>I have a new line coming out and I'm creating

0:32:53.640 --> 0:32:56.720
<v Speaker 1>my own technic. There you go. So that only drink

0:32:56.760 --> 0:32:59.240
<v Speaker 1>the water out of the refrigerator, which is filter want

0:32:59.320 --> 0:33:05.040
<v Speaker 1>to be digit water. I don't like. I don't like

0:33:05.120 --> 0:33:08.000
<v Speaker 1>refrigerated water. I do drink only room tip because cold

0:33:08.040 --> 0:33:10.400
<v Speaker 1>water is not good for your system. It's not she's

0:33:10.440 --> 0:33:12.160
<v Speaker 1>been Okay, she's been trying to convince me of that

0:33:12.240 --> 0:33:16.040
<v Speaker 1>since we started dating. Let me just google it right now,

0:33:16.160 --> 0:33:19.040
<v Speaker 1>but I will tell you that it jump starts your

0:33:19.080 --> 0:33:22.360
<v Speaker 1>system in the morning. It's not good for you. But

0:33:22.400 --> 0:33:24.400
<v Speaker 1>it's not as cut and dried as that cold water

0:33:24.560 --> 0:33:26.680
<v Speaker 1>is bad for you. It's not bad for you. Wait,

0:33:26.760 --> 0:33:28.840
<v Speaker 1>it just says there's no evidence that drinking cold water,

0:33:30.600 --> 0:33:34.840
<v Speaker 1>according to the Indian turned Well what I've been told. Okay,

0:33:35.320 --> 0:33:37.880
<v Speaker 1>time out. Now she's going down the rabbit hole where

0:33:37.920 --> 0:33:40.400
<v Speaker 1>she's gonna search, search until she finds what she wants

0:33:40.440 --> 0:33:44.160
<v Speaker 1>to see. Drinking cold water does have its benefits. Okay,

0:33:44.520 --> 0:33:49.280
<v Speaker 1>Oh wait, I don't want to read that. Um, it's

0:33:49.360 --> 0:33:52.160
<v Speaker 1>just not as simple as it's bad for you drinking.

0:33:52.440 --> 0:33:54.160
<v Speaker 1>I will say to defend Janna with the whole water

0:33:54.280 --> 0:33:58.560
<v Speaker 1>thing is there's two things that Jana splurges on, that's

0:33:58.640 --> 0:34:02.400
<v Speaker 1>wine and water. So if she really puts up a fight,

0:34:03.040 --> 0:34:04.920
<v Speaker 1>I can. I'll just do my part and me and

0:34:05.000 --> 0:34:08.759
<v Speaker 1>the kids won't have, you know, water bottles and if

0:34:08.840 --> 0:34:11.200
<v Speaker 1>the if the if you thank you, Mark, that's the

0:34:11.280 --> 0:34:14.759
<v Speaker 1>kind of guy I am. No, I will say, I

0:34:15.200 --> 0:34:17.200
<v Speaker 1>agree with you. We have a ton of water bottles

0:34:17.280 --> 0:34:19.080
<v Speaker 1>and I need to stop with the essential. If we

0:34:19.160 --> 0:34:21.440
<v Speaker 1>can find a filter that is good, and I know

0:34:21.520 --> 0:34:23.319
<v Speaker 1>that's good for me because sometimes we forget to change

0:34:23.320 --> 0:34:25.399
<v Speaker 1>the brittle filter. It's been it was like seven months

0:34:25.440 --> 0:34:28.160
<v Speaker 1>and we just changed the brittle filter. That's another exaggeration,

0:34:28.280 --> 0:34:31.320
<v Speaker 1>but anyways, but I'm just saying, if we can just

0:34:31.440 --> 0:34:34.560
<v Speaker 1>make sure because I mean, even our refrigerator filter. I

0:34:34.600 --> 0:34:36.439
<v Speaker 1>know we should stop talking about this because who cares,

0:34:37.040 --> 0:34:39.360
<v Speaker 1>But like we don't change the filter, and then I'm like,

0:34:39.560 --> 0:34:41.439
<v Speaker 1>I get I don't even like people drinking my water

0:34:41.520 --> 0:34:44.640
<v Speaker 1>because I wanted to be clean because it grosses me out.

0:34:44.800 --> 0:34:47.600
<v Speaker 1>She won't let me take a sip for a water Bottleney,

0:34:47.640 --> 0:34:50.439
<v Speaker 1>Can I just have a SIPs? No, I'm like dying.

0:34:50.760 --> 0:34:55.120
<v Speaker 1>I can be dying in the desert. Nope, I'm doing

0:34:55.200 --> 0:34:57.600
<v Speaker 1>better now I'll let you know because now that Jolie

0:34:57.640 --> 0:35:00.880
<v Speaker 1>does so. Anyways, So okay, water? What else could we

0:35:00.920 --> 0:35:10.560
<v Speaker 1>cut out on for you? Bread? Tell our daughter that? No?

0:35:10.880 --> 0:35:13.120
<v Speaker 1>I mean, what's what's what's spends? Want? We don't really

0:35:13.160 --> 0:35:17.239
<v Speaker 1>do Starbucks? We don't really. I mean, what else? Smart?

0:35:17.360 --> 0:35:19.680
<v Speaker 1>What is your TV situation? What subscriptions? Do you have

0:35:20.400 --> 0:35:23.280
<v Speaker 1>all the subscriptions? We don't. We just have enough Flix

0:35:24.960 --> 0:35:26.879
<v Speaker 1>all the movies now we don't, but we have all

0:35:26.960 --> 0:35:30.200
<v Speaker 1>the movie channels. Oh so your cable bills? Pretty asterna

0:35:30.760 --> 0:35:33.080
<v Speaker 1>cable bills because we cancel cable and that's saved its

0:35:33.080 --> 0:35:35.800
<v Speaker 1>a good hundred bucks a month. Should we cancel cable?

0:35:36.320 --> 0:35:39.520
<v Speaker 1>What do you do for sporting events? Who do Live? Okay,

0:35:39.520 --> 0:35:42.360
<v Speaker 1>I'm right this. Who do Live gives you your local channels.

0:35:42.360 --> 0:35:44.320
<v Speaker 1>It sounds like we've just transitioned into a commercial But

0:35:44.400 --> 0:35:47.759
<v Speaker 1>we have your local channels and live a whole bunch

0:35:47.760 --> 0:35:51.400
<v Speaker 1>of cable channels. Live YouTube TV does the same thing.

0:35:51.560 --> 0:35:53.839
<v Speaker 1>It's personal preference. I prefer Hulu Live because it's fewer

0:35:53.880 --> 0:35:57.680
<v Speaker 1>commercials now and I'm very happy with it. And if

0:35:57.680 --> 0:36:01.279
<v Speaker 1>you use code East dot com and you get nothing,

0:36:01.480 --> 0:36:06.520
<v Speaker 1>get nothing, it will say invalid. Michael Haytes duk TV.

0:36:06.800 --> 0:36:09.440
<v Speaker 1>I think we're getting what in Nashville table we can't have.

0:36:10.320 --> 0:36:12.560
<v Speaker 1>We can't have satellite dishes hanging on our house in

0:36:12.600 --> 0:36:17.600
<v Speaker 1>the New neighborhood. Are you getting You're getting Comcast Spectrum.

0:36:18.160 --> 0:36:19.719
<v Speaker 1>I'm not sure what they do, but Spectrum has it

0:36:19.800 --> 0:36:21.799
<v Speaker 1>now where you can just stream your cable through them

0:36:21.840 --> 0:36:24.680
<v Speaker 1>and it's tons cheaper. You can pick your cable channels.

0:36:25.320 --> 0:36:27.279
<v Speaker 1>You can do it all a cart that's p I

0:36:27.360 --> 0:36:29.160
<v Speaker 1>like that because it's either with directs that you have

0:36:29.200 --> 0:36:31.440
<v Speaker 1>to buy all the movie channels. Okay, so there's that.

0:36:31.800 --> 0:36:33.400
<v Speaker 1>We don't spend much in that. We have all the

0:36:33.520 --> 0:36:37.600
<v Speaker 1>channels from She watches like the local channels like seven

0:36:37.760 --> 0:36:41.920
<v Speaker 1>ABC and all that stuff, and then I'll watch the

0:36:42.160 --> 0:36:45.600
<v Speaker 1>ESPNS in Golf channel and then nothing in between like

0:36:45.640 --> 0:36:50.360
<v Speaker 1>two D two until like five or anything like that.

0:36:50.920 --> 0:36:54.520
<v Speaker 1>You're not watching the LRA network or so whol live.

0:36:54.680 --> 0:36:57.120
<v Speaker 1>There you go. It's got your networks. All your shows

0:36:57.160 --> 0:36:59.359
<v Speaker 1>are on demand without commercials. If you pay the extra

0:36:59.400 --> 0:37:02.120
<v Speaker 1>five bucks of my for the code for this. ESPN

0:37:02.360 --> 0:37:04.080
<v Speaker 1>and the Golf channel are on there, because that's my

0:37:04.160 --> 0:37:06.360
<v Speaker 1>dad watches when he comes to visit, and it's streaming,

0:37:06.400 --> 0:37:08.600
<v Speaker 1>and it's thirty five dollars a month, maybe forty with

0:37:08.719 --> 0:37:11.600
<v Speaker 1>the ads fifteen bucks extra. You got HBO. What about

0:37:11.600 --> 0:37:17.439
<v Speaker 1>Thunderstorms it's streaming. Oh, that's only satellites like direct TV.

0:37:19.880 --> 0:37:25.680
<v Speaker 1>But is the NFL sendy tickets still exclusive? Hey, I'm

0:37:25.719 --> 0:37:28.279
<v Speaker 1>not sure. I think it is exclusive. I think it is.

0:37:28.360 --> 0:37:30.640
<v Speaker 1>I just love how we go real deep, like last episodes,

0:37:30.680 --> 0:37:32.719
<v Speaker 1>like super Deep, we're talking about like sex addiction. Now

0:37:32.719 --> 0:37:35.200
<v Speaker 1>we're talking about Hulu Live subscription. This is going to

0:37:35.280 --> 0:37:38.359
<v Speaker 1>touch more people than that, Probably more people A canna

0:37:38.360 --> 0:37:40.600
<v Speaker 1>be stacking their heads, see honey. Yeah, Well it is

0:37:40.640 --> 0:37:42.320
<v Speaker 1>a dilemma. Everybody's dealing with it right now. There's so

0:37:42.400 --> 0:37:44.480
<v Speaker 1>many services and scribe. I don't want to know the

0:37:44.560 --> 0:37:47.440
<v Speaker 1>best one to save us money for what we watch

0:37:47.960 --> 0:37:49.640
<v Speaker 1>because we really don't watch that much TV. That's a

0:37:49.640 --> 0:37:51.360
<v Speaker 1>good thing to sit down and figure out what you

0:37:51.400 --> 0:37:53.839
<v Speaker 1>can come without. So TV that's good in the middle.

0:37:53.880 --> 0:38:00.239
<v Speaker 1>One on demand we're really bad at We're terrible on demand. Yeah,

0:38:00.280 --> 0:38:02.680
<v Speaker 1>that's bad. But at the same time, though, I mean,

0:38:02.840 --> 0:38:06.120
<v Speaker 1>we don't not anymore, not any more because the kids

0:38:06.200 --> 0:38:10.359
<v Speaker 1>did I mean watching movies and on top of everything else,

0:38:10.360 --> 0:38:12.240
<v Speaker 1>you're paying a month for TV. Yeah, that's a good spot.

0:38:12.600 --> 0:38:15.840
<v Speaker 1>I mean we we. iPad games aren't no more because

0:38:16.320 --> 0:38:20.840
<v Speaker 1>we basically you're non existent. They're not existent because I

0:38:20.960 --> 0:38:24.320
<v Speaker 1>blocked the in app purchasing on Michael's iPad, so he

0:38:24.440 --> 0:38:27.040
<v Speaker 1>now does not have he doesn't have your parenting code.

0:38:28.120 --> 0:38:30.560
<v Speaker 1>But here's the deal. I gave him three don't worry.

0:38:30.600 --> 0:38:33.640
<v Speaker 1>That doesn't make me feel like I'm a child. But

0:38:33.960 --> 0:38:37.560
<v Speaker 1>could you do it without it? No? I gave you

0:38:37.760 --> 0:38:42.880
<v Speaker 1>three choice. Still couldn't. She didn't tell me that it happened.

0:38:43.000 --> 0:38:47.520
<v Speaker 1>You told me to, and then you said I shouldn't

0:38:47.560 --> 0:38:50.120
<v Speaker 1>have to. I said, you're right. So I was going

0:38:50.200 --> 0:38:53.440
<v Speaker 1>along not buying anything. And then and then he went

0:38:53.520 --> 0:38:55.920
<v Speaker 1>to go buy something. No, it accidentally like I was

0:38:55.960 --> 0:38:58.399
<v Speaker 1>trying to click out or whatever and accidentally try to run,

0:38:58.600 --> 0:39:01.320
<v Speaker 1>you know, because dumb print, even if you try to

0:39:01.360 --> 0:39:03.439
<v Speaker 1>click out of it, it will reach your dumbrint try

0:39:03.480 --> 0:39:05.640
<v Speaker 1>to purchase, and then it comes up and tries to

0:39:05.680 --> 0:39:10.080
<v Speaker 1>purchase as in that purchases have been turned off this mother,

0:39:11.440 --> 0:39:12.960
<v Speaker 1>I'm sorry, and for all the people that are just

0:39:13.040 --> 0:39:14.560
<v Speaker 1>catching up and they're like, oh, you're so mean to

0:39:14.600 --> 0:39:17.520
<v Speaker 1>your husband. If your husband spent over ten tho dollars

0:39:17.560 --> 0:39:22.960
<v Speaker 1>and thousand dollars, the number increases every time. Well it's

0:39:23.040 --> 0:39:25.640
<v Speaker 1>it's around six thousand. That's only for the few months

0:39:25.680 --> 0:39:32.080
<v Speaker 1>that I've checked. So what game costs six thousand dollars? Yeah,

0:39:32.120 --> 0:39:33.879
<v Speaker 1>you don't want to get into a share because it's

0:39:34.080 --> 0:39:37.200
<v Speaker 1>exactly thank you very much, be your wife be blocking that.

0:39:39.760 --> 0:39:43.440
<v Speaker 1>And then I and then I brought the you know,

0:39:43.480 --> 0:39:46.680
<v Speaker 1>the situation that was just one month. You know, if

0:39:46.719 --> 0:39:49.040
<v Speaker 1>I was if I had if I was playing video

0:39:49.080 --> 0:39:52.439
<v Speaker 1>games again, like regular console video games, this isn't part

0:39:52.480 --> 0:39:54.000
<v Speaker 1>of that. You don't have to have in that purposes.

0:39:54.040 --> 0:39:56.960
<v Speaker 1>You buy the game once and then that's it. And

0:39:57.080 --> 0:39:58.840
<v Speaker 1>she was like oh really. I was like yeah, She's like,

0:39:58.920 --> 0:40:01.880
<v Speaker 1>m maybe we can talk about I think that's a

0:40:01.960 --> 0:40:05.680
<v Speaker 1>bad road to go down. I think video games are

0:40:05.760 --> 0:40:08.400
<v Speaker 1>an addictive thing. Because I'm a victim of that. There

0:40:08.440 --> 0:40:10.560
<v Speaker 1>are no video games in her house because I cannot

0:40:10.680 --> 0:40:13.960
<v Speaker 1>stop once I start. Yeah, I definitely used to be

0:40:14.080 --> 0:40:18.440
<v Speaker 1>that way. I think now it's like even Janna, like

0:40:18.760 --> 0:40:20.880
<v Speaker 1>you know, she she would if we had a serious conversation,

0:40:20.960 --> 0:40:22.480
<v Speaker 1>was like, honey, I really enjoy this. You know. I

0:40:22.560 --> 0:40:25.239
<v Speaker 1>know in the past it was triggering because of our

0:40:25.280 --> 0:40:27.719
<v Speaker 1>own issues. And just so people know, so this isn't

0:40:27.760 --> 0:40:30.239
<v Speaker 1>just Jenna coming from a place of just authority or whatever.

0:40:30.320 --> 0:40:33.759
<v Speaker 1>It's yeah, I don't want people just to think you're

0:40:33.880 --> 0:40:36.120
<v Speaker 1>coming down on me for no reason. In the past,

0:40:36.200 --> 0:40:39.040
<v Speaker 1>I would always express to Janna like my only vice

0:40:39.120 --> 0:40:40.919
<v Speaker 1>is video games, like I just want to play video games,

0:40:41.360 --> 0:40:44.879
<v Speaker 1>when really I was doing other things behind her back,

0:40:45.480 --> 0:40:47.560
<v Speaker 1>which were you know, the affairs and stuff like that.

0:40:47.719 --> 0:40:52.360
<v Speaker 1>So that felt like the curtain for my behavior. So

0:40:52.520 --> 0:40:55.279
<v Speaker 1>Janna kind of correlates to two and so I empathize

0:40:55.360 --> 0:40:57.320
<v Speaker 1>with that. So I understand why, which is why I

0:40:57.360 --> 0:41:00.600
<v Speaker 1>took a hammer to his advices to my that's right,

0:41:01.239 --> 0:41:04.160
<v Speaker 1>So I so I understand. So just so people know,

0:41:04.239 --> 0:41:07.040
<v Speaker 1>I don't want people to get on you for no reason.

0:41:07.360 --> 0:41:09.360
<v Speaker 1>So there's something behind that. That being said, if we

0:41:09.400 --> 0:41:12.120
<v Speaker 1>want to have a real conversation, Janna would be willing

0:41:12.320 --> 0:41:15.400
<v Speaker 1>probably to be like, Okay, we'll talk about it, but

0:41:16.760 --> 0:41:18.880
<v Speaker 1>we don't have time. I don't have time yeah, I

0:41:18.920 --> 0:41:21.399
<v Speaker 1>have no time. No. I mean maybe if we get

0:41:21.400 --> 0:41:23.520
<v Speaker 1>on the better schedule with the baby, maybe when the

0:41:23.560 --> 0:41:26.160
<v Speaker 1>kids get older, but I just want to golf. So anyway,

0:41:26.280 --> 0:41:28.239
<v Speaker 1>let's take a break and we'll talk to David back

0:41:28.280 --> 0:41:33.239
<v Speaker 1>when we come back. So you spend a third of

0:41:33.320 --> 0:41:35.360
<v Speaker 1>your life and sheets, so it's about time for a

0:41:35.440 --> 0:41:37.239
<v Speaker 1>betting upgrades. So this is a true story I want

0:41:37.239 --> 0:41:40.040
<v Speaker 1>to tell you guys about. So we changed our sheets

0:41:40.120 --> 0:41:44.120
<v Speaker 1>in our bedroom and Michael gets into bed and he says, honey,

0:41:44.200 --> 0:41:46.520
<v Speaker 1>these are the most amazing sheets ever. What are these?

0:41:46.560 --> 0:41:48.720
<v Speaker 1>And weird you get on It was like, um, these

0:41:48.880 --> 0:41:52.120
<v Speaker 1>are brook Lennon And it's funny because their tagline is

0:41:52.520 --> 0:41:55.400
<v Speaker 1>these really are the best sheets ever. And that's exactly

0:41:55.440 --> 0:41:59.120
<v Speaker 1>what Michael said. They're always sleeping now because they're amazing.

0:41:59.160 --> 0:42:00.880
<v Speaker 1>So Brooklyn and Sheets are named the winner of the

0:42:00.920 --> 0:42:03.799
<v Speaker 1>Best of Online Bedding category by Good Housekeeping. They were

0:42:03.840 --> 0:42:07.160
<v Speaker 1>founded um in early two thousand fourteen by husband and wife,

0:42:07.320 --> 0:42:10.080
<v Speaker 1>which is super sweet. And we just picked out a

0:42:10.200 --> 0:42:12.600
<v Speaker 1>pair for each of the bedrooms in Nashville because we

0:42:12.719 --> 0:42:14.319
<v Speaker 1>feel spoiled when we sleep in bed and we want

0:42:14.320 --> 0:42:17.239
<v Speaker 1>our guests to feel just as comfortable and of course

0:42:17.280 --> 0:42:19.520
<v Speaker 1>our kids too, so like we said, they're the most

0:42:19.560 --> 0:42:21.920
<v Speaker 1>comfortable we've ever sleeped in. So now it's time for

0:42:22.040 --> 0:42:24.359
<v Speaker 1>you to upgrade. Brooklyn and dot Com is giving an

0:42:24.400 --> 0:42:27.439
<v Speaker 1>exclusive offer for our listeners get tempers off your first

0:42:27.600 --> 0:42:30.600
<v Speaker 1>order and free shipping when you use promo code Jana

0:42:30.880 --> 0:42:33.840
<v Speaker 1>at Brooklyn and dot Com. Brooklyn is so confident in

0:42:33.920 --> 0:42:36.600
<v Speaker 1>their product that all their sheets, comforters, and hows come

0:42:36.640 --> 0:42:38.719
<v Speaker 1>with a lifetime warranty. So the only way to get

0:42:38.760 --> 0:42:40.960
<v Speaker 1>Tempercon off your first order and for shipping is to

0:42:41.040 --> 0:42:43.840
<v Speaker 1>use Promoco Janet at Brooklyn dot com. That's b R Okay,

0:42:44.080 --> 0:42:46.440
<v Speaker 1>l I N E N dot Com Promoco Janna Brooklyn

0:42:46.560 --> 0:42:50.040
<v Speaker 1>and He's really are the best sheets ever. So whatever

0:42:50.160 --> 0:42:52.520
<v Speaker 1>scent you may be wearing, you have good taste and

0:42:52.640 --> 0:42:54.360
<v Speaker 1>you know what you like. But you're great taste is

0:42:54.360 --> 0:42:57.399
<v Speaker 1>also expensive and you end up with a shelf full

0:42:57.480 --> 0:42:59.360
<v Speaker 1>of half use bottles. I know, for me, whenever I

0:42:59.440 --> 0:43:02.760
<v Speaker 1>went perfume shopping, I end up buying a big bottle,

0:43:02.800 --> 0:43:04.680
<v Speaker 1>but then I ended up really not liking it, Like man,

0:43:04.760 --> 0:43:06.640
<v Speaker 1>I just spent so much money on this and I

0:43:06.680 --> 0:43:09.760
<v Speaker 1>don't really even like it. But with centered it's amazing.

0:43:09.880 --> 0:43:12.880
<v Speaker 1>So Sumbered is a luxury fragrance subscription service for perfumes

0:43:12.920 --> 0:43:15.680
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0:43:15.719 --> 0:43:18.759
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0:43:18.800 --> 0:43:21.040
<v Speaker 1>than four hundred fifty designer brands for you to choose

0:43:21.120 --> 0:43:23.920
<v Speaker 1>a perfume or cologne each month. So my favorite is

0:43:24.000 --> 0:43:26.880
<v Speaker 1>the Gucci Guilty. It has a combination of fruits and florals.

0:43:27.320 --> 0:43:29.680
<v Speaker 1>Choose the perfume you want to try. They'll send you

0:43:29.840 --> 0:43:33.000
<v Speaker 1>a thirty day supply. That's a twenty spray, so enough

0:43:33.120 --> 0:43:36.360
<v Speaker 1>for basically an entire month. And with an exclusive offered

0:43:36.440 --> 0:43:38.400
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0:43:38.440 --> 0:43:41.440
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0:43:41.680 --> 0:43:43.640
<v Speaker 1>So go to Centered dot com slash Janna and use

0:43:43.680 --> 0:43:46.840
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0:43:47.040 --> 0:43:49.359
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0:43:49.440 --> 0:43:51.960
<v Speaker 1>slash Danna for you to try your first perfumer cologne

0:43:52.000 --> 0:43:57.640
<v Speaker 1>for just seven fifty Sign on and smell amazing. All right,

0:43:57.680 --> 0:44:01.640
<v Speaker 1>So let's let's figure out where we can had some stuff. David,

0:44:01.640 --> 0:44:04.399
<v Speaker 1>are you in the line? I am sorry about oh

0:44:04.760 --> 0:44:07.000
<v Speaker 1>don't be sorry at all. Um, it's Jane and Mike.

0:44:07.200 --> 0:44:09.520
<v Speaker 1>Hi David, how are you doing? Hi, guys, I'm doing great.

0:44:09.719 --> 0:44:12.680
<v Speaker 1>We're really excited to talk to you because, like I

0:44:12.760 --> 0:44:16.759
<v Speaker 1>think probably every married couple, we've definitely had our um

0:44:17.200 --> 0:44:22.319
<v Speaker 1>financial arguments, um, which I'm sure obviously you are an

0:44:22.360 --> 0:44:24.520
<v Speaker 1>expert too, and so that's why we're super pumped to

0:44:24.560 --> 0:44:27.080
<v Speaker 1>talk to you because you are I feel like you're

0:44:27.120 --> 0:44:30.120
<v Speaker 1>kind of like the guru for all things financial. Well,

0:44:30.200 --> 0:44:36.320
<v Speaker 1>thank you, you're welcome. Um, So the Latte Factor that's

0:44:36.360 --> 0:44:40.680
<v Speaker 1>out now, right, Yeah, this book just came out last week. Congratulations,

0:44:40.920 --> 0:44:43.279
<v Speaker 1>thank you so much. We're so excited. It's really just

0:44:43.480 --> 0:44:48.040
<v Speaker 1>like taken off. This is my thirteenth book. So it's

0:44:48.400 --> 0:44:50.160
<v Speaker 1>been really fun because this is the first book I've done.

0:44:50.200 --> 0:44:54.120
<v Speaker 1>It's a story, it's not a classic non fiction self

0:44:54.200 --> 0:44:58.320
<v Speaker 1>help financial book. And people really reading the book like

0:44:58.880 --> 0:45:02.440
<v Speaker 1>from you know, in one sitting, and it's having such

0:45:02.480 --> 0:45:04.560
<v Speaker 1>a profound impact on them that they're already going out

0:45:04.600 --> 0:45:07.160
<v Speaker 1>and buying four or five, six, nine copies and giving

0:45:07.200 --> 0:45:11.200
<v Speaker 1>them out his gift to friends and kids for graduations. So, um,

0:45:11.480 --> 0:45:15.239
<v Speaker 1>it's been an amazing way. That's awesome. Congratulations, that's so

0:45:15.400 --> 0:45:18.000
<v Speaker 1>cool and what would what would you say as like

0:45:18.040 --> 0:45:20.920
<v Speaker 1>the log line for the Ltte Factor the log line

0:45:20.960 --> 0:45:24.440
<v Speaker 1>on that phrase before um, If I were to give

0:45:24.440 --> 0:45:28.000
<v Speaker 1>you the the three minute story of The Latte Factor,

0:45:28.280 --> 0:45:31.200
<v Speaker 1>it's it's a story about a young woman named Zoe

0:45:31.360 --> 0:45:34.680
<v Speaker 1>Daniels who's the Millennials. She's twenty seven years old. She

0:45:34.760 --> 0:45:38.520
<v Speaker 1>works in Brooklyn and she's been living in this She's

0:45:38.520 --> 0:45:40.440
<v Speaker 1>been working in the city New York City now for

0:45:40.560 --> 0:45:43.680
<v Speaker 1>six years and has her dream job and is actually

0:45:43.760 --> 0:45:46.279
<v Speaker 1>making more money every year. But at the end of

0:45:46.320 --> 0:45:48.719
<v Speaker 1>six years, she sort of looks up and realizes that

0:45:48.920 --> 0:45:51.960
<v Speaker 1>she's still living paycheck to paycheck, that she still has

0:45:52.000 --> 0:45:55.560
<v Speaker 1>student loans, and that she's not getting ahead. She's renting,

0:45:55.760 --> 0:45:58.959
<v Speaker 1>and she's starting to question if all of the hard

0:45:59.080 --> 0:46:02.759
<v Speaker 1>work that she is doing is ever going to lead

0:46:02.880 --> 0:46:08.200
<v Speaker 1>to anything even remotely related to financial freedom, because she

0:46:08.239 --> 0:46:10.000
<v Speaker 1>doesn't feel like she's living her dream life at all.

0:46:10.719 --> 0:46:13.680
<v Speaker 1>And so she goes on a journey where she starts

0:46:13.760 --> 0:46:15.960
<v Speaker 1>to think about where is her life going and she

0:46:16.080 --> 0:46:19.120
<v Speaker 1>meets mentors, starting with a woman named Barbara in her

0:46:19.200 --> 0:46:23.280
<v Speaker 1>office that began to teach her how she can basically

0:46:23.760 --> 0:46:26.520
<v Speaker 1>be financially free and go for her dreams and ultimately

0:46:26.600 --> 0:46:28.920
<v Speaker 1>be rich, and how it can be as simple as

0:46:29.000 --> 0:46:33.120
<v Speaker 1>starting by saving five to ten dollars a day. And

0:46:33.239 --> 0:46:36.880
<v Speaker 1>so she's taught this metaphor h called the Latte factor,

0:46:37.000 --> 0:46:38.800
<v Speaker 1>which is a way to look at where are you

0:46:38.920 --> 0:46:42.479
<v Speaker 1>spending money and then learn how to redirect that money

0:46:43.239 --> 0:46:46.160
<v Speaker 1>to putting herself first. She learns how in this little

0:46:46.200 --> 0:46:49.520
<v Speaker 1>short book, the Little Story, Little short of Story, she

0:46:49.800 --> 0:46:53.600
<v Speaker 1>learns how to do what's called pay yourself first. And

0:46:53.760 --> 0:46:57.360
<v Speaker 1>she's really taught that's critical at a young age to

0:46:57.440 --> 0:47:02.359
<v Speaker 1>becomes financially selfish, to put herself first, and learns how

0:47:02.400 --> 0:47:05.000
<v Speaker 1>to do that, you know, not through budgeting, because she learns,

0:47:05.080 --> 0:47:07.520
<v Speaker 1>you know, budgeting doesn't work, and how to do it

0:47:07.600 --> 0:47:11.440
<v Speaker 1>through automation, so the money that she's saving is saved automatically.

0:47:11.560 --> 0:47:14.320
<v Speaker 1>And finally, like two learns you know, the two critical

0:47:14.440 --> 0:47:17.960
<v Speaker 1>lessons of wealth, which is that she needs to also

0:47:18.040 --> 0:47:20.160
<v Speaker 1>own real estate. She have to own real estate and

0:47:20.160 --> 0:47:22.279
<v Speaker 1>you have to own stocks because those are the two

0:47:22.320 --> 0:47:25.279
<v Speaker 1>primary escalators to wealth. And finally, by the end of

0:47:25.280 --> 0:47:26.680
<v Speaker 1>the book, she really learns how to go for her

0:47:26.760 --> 0:47:29.319
<v Speaker 1>dreams and learns that you know, money is a tool

0:47:29.400 --> 0:47:32.799
<v Speaker 1>to three her to live her best life. And at

0:47:32.840 --> 0:47:34.840
<v Speaker 1>any age you can start to go for your dreams.

0:47:34.920 --> 0:47:38.120
<v Speaker 1>So that sounds awesome. I want to read act what David,

0:47:38.160 --> 0:47:40.520
<v Speaker 1>What inspired you to do it in this format of

0:47:40.640 --> 0:47:45.000
<v Speaker 1>more of a storytelling than you know, educational life, you know,

0:47:45.080 --> 0:47:48.640
<v Speaker 1>kind of help? You know. The honest answer is that

0:47:48.719 --> 0:47:51.840
<v Speaker 1>with seven million books out, I've had nine consecutive New

0:47:51.920 --> 0:47:56.120
<v Speaker 1>York Times bestsellers on money and and that's incredible and

0:47:56.160 --> 0:47:58.799
<v Speaker 1>I'm so grateful for that. But but I've been frustrated.

0:47:58.800 --> 0:48:02.160
<v Speaker 1>I've been frustrated realizing most people will never read a

0:48:02.200 --> 0:48:05.040
<v Speaker 1>financial book. They may even buy them, but they won't

0:48:05.080 --> 0:48:07.960
<v Speaker 1>always read them. And so I just started really over,

0:48:08.160 --> 0:48:11.160
<v Speaker 1>you know, over ten years ago, asking myself a question

0:48:11.280 --> 0:48:14.120
<v Speaker 1>which was, how could I package would people need to

0:48:14.239 --> 0:48:17.560
<v Speaker 1>know into a really short story that anybody could read?

0:48:17.840 --> 0:48:20.000
<v Speaker 1>You know, we even start like starting as a teenager.

0:48:20.760 --> 0:48:24.239
<v Speaker 1>And so I my personally, my personal life, I've been

0:48:24.360 --> 0:48:28.600
<v Speaker 1>very impacted by storybooks like Who Moved My Cheese one

0:48:28.640 --> 0:48:31.680
<v Speaker 1>of most all time classic business books by Spencer Johnson.

0:48:32.280 --> 0:48:35.759
<v Speaker 1>Um The Alchemist by Paula Quelo is another book that

0:48:35.880 --> 0:48:38.600
<v Speaker 1>really had an impact on me. And so I started,

0:48:38.880 --> 0:48:41.400
<v Speaker 1>you know, asking myself the question like, how could I

0:48:41.520 --> 0:48:44.920
<v Speaker 1>take how could I create a story that would especially

0:48:45.000 --> 0:48:48.319
<v Speaker 1>inspire young people to learn the lessons about money they

0:48:48.320 --> 0:48:50.200
<v Speaker 1>should have been taught in school and they never were.

0:48:50.880 --> 0:48:53.080
<v Speaker 1>And then anybody could get through in an hour to

0:48:53.200 --> 0:48:56.520
<v Speaker 1>ninety minutes. And that's what's happening with this book. This book,

0:48:56.960 --> 0:48:58.919
<v Speaker 1>you know, the thing that was probably were the most

0:48:59.000 --> 0:49:01.880
<v Speaker 1>exciting for me. I have a fifteen year old who

0:49:01.920 --> 0:49:04.480
<v Speaker 1>has never read any of my other business books, but

0:49:04.920 --> 0:49:07.400
<v Speaker 1>he read this book cover to cover and read it

0:49:07.480 --> 0:49:09.319
<v Speaker 1>on a plane flight and he turned to me at

0:49:09.320 --> 0:49:12.279
<v Speaker 1>the end of two hours and said, well, Dad, this

0:49:12.400 --> 0:49:14.719
<v Speaker 1>book shows how you can become a millionaire starting at

0:49:14.800 --> 0:49:17.040
<v Speaker 1>nineteen and I'm only fifteen. So if I do this,

0:49:17.160 --> 0:49:20.239
<v Speaker 1>I could become a multi mulpen. And I was like,

0:49:20.320 --> 0:49:22.120
<v Speaker 1>you're right, you could. He's like, well, then let's do this.

0:49:22.239 --> 0:49:24.000
<v Speaker 1>Let's set up a retirement account for me. And so

0:49:24.080 --> 0:49:27.120
<v Speaker 1>now fifteen, he wants to have a raw th ra A. Well,

0:49:27.160 --> 0:49:28.879
<v Speaker 1>I couldn't get him to read any of the other books.

0:49:28.920 --> 0:49:31.719
<v Speaker 1>I couldn't get in Blake. So I think stories have

0:49:31.960 --> 0:49:35.080
<v Speaker 1>a profound ability to change people's lives. And it took

0:49:35.120 --> 0:49:38.800
<v Speaker 1>me ten years to to go from an idea to fruition.

0:49:39.680 --> 0:49:42.000
<v Speaker 1>That has to be extremely rewarding for your son too,

0:49:42.800 --> 0:49:44.600
<v Speaker 1>for it to hit him like that and be that

0:49:44.800 --> 0:49:47.879
<v Speaker 1>into it. You know what, I gotta tell you something.

0:49:47.960 --> 0:49:49.680
<v Speaker 1>It's like the most rewarding thing I need that's ever

0:49:49.760 --> 0:49:52.000
<v Speaker 1>happened to me in my career. And I have two sons.

0:49:52.040 --> 0:49:53.400
<v Speaker 1>I have a fifteen year old and I have a

0:49:53.960 --> 0:49:57.320
<v Speaker 1>nine year old. And the nine year old when he started,

0:49:57.400 --> 0:50:00.400
<v Speaker 1>when he heard his older brother all excited it about

0:50:00.440 --> 0:50:03.560
<v Speaker 1>this book, and I'll motivated. She turned around and said, well,

0:50:03.600 --> 0:50:06.759
<v Speaker 1>I want to read it. So he's nine, he's halfway

0:50:06.840 --> 0:50:09.800
<v Speaker 1>through the book. Happens to be I'm actually, I'm actually

0:50:09.840 --> 0:50:12.040
<v Speaker 1>doing this with you, and I'm in my son's room

0:50:12.120 --> 0:50:15.160
<v Speaker 1>right now. The book is by his bed. He's nine,

0:50:15.600 --> 0:50:18.520
<v Speaker 1>he's read half of the book. He's told the teachers

0:50:18.560 --> 0:50:23.040
<v Speaker 1>about it, and he already gets the fact at nine

0:50:23.160 --> 0:50:26.799
<v Speaker 1>years old, that the lock factor is a metaphor that's

0:50:26.840 --> 0:50:28.920
<v Speaker 1>not about giving up your coffees. Because he said to

0:50:28.960 --> 0:50:31.359
<v Speaker 1>me the other day in the kitchen. You know, Dad,

0:50:31.560 --> 0:50:33.680
<v Speaker 1>I don't have a lot factor. I don't drink coffee,

0:50:34.440 --> 0:50:37.680
<v Speaker 1>he said, but I have a v buck factor Now

0:50:37.880 --> 0:50:39.719
<v Speaker 1>for those who are listening who have no idea what

0:50:39.840 --> 0:50:42.240
<v Speaker 1>a v buck factor is, that those are the digital

0:50:42.320 --> 0:50:44.799
<v Speaker 1>coins you need to use in order to buy things

0:50:44.840 --> 0:50:49.680
<v Speaker 1>inside video games Minecraft. And so he says to me,

0:50:49.760 --> 0:50:52.399
<v Speaker 1>I have a v buck factor and then he goes, Wow, Dad,

0:50:52.520 --> 0:50:54.120
<v Speaker 1>I wish I had all that money back that I

0:50:54.200 --> 0:50:56.279
<v Speaker 1>wasted last year on v Bucks, because if I could

0:50:56.320 --> 0:50:58.680
<v Speaker 1>put it into these investments, I could have a whole

0:50:58.760 --> 0:51:01.160
<v Speaker 1>lot more money. Later, hear you on that because my

0:51:01.320 --> 0:51:04.719
<v Speaker 1>husband spent so much money on those iPad games, and boy,

0:51:04.840 --> 0:51:08.000
<v Speaker 1>I'm like you just you literally just peeped all that

0:51:08.120 --> 0:51:12.400
<v Speaker 1>money away into the universe. And I'm like you, honestly,

0:51:13.040 --> 0:51:14.399
<v Speaker 1>when we talked about it, I was like, you could

0:51:14.400 --> 0:51:16.960
<v Speaker 1>have bought your motorcycle with all that money that you

0:51:17.040 --> 0:51:20.239
<v Speaker 1>spent on your in app purchases. And it's just it

0:51:20.400 --> 0:51:22.239
<v Speaker 1>makes it makes me sick because we have I think

0:51:23.239 --> 0:51:27.680
<v Speaker 1>we have a very different um habit with I guess spending.

0:51:28.360 --> 0:51:31.160
<v Speaker 1>And so it's hard at times because I'm like, that

0:51:31.280 --> 0:51:33.320
<v Speaker 1>money could have gone to your motorcycle, or could have

0:51:33.360 --> 0:51:35.280
<v Speaker 1>gone to this, or it could have been to our house,

0:51:35.440 --> 0:51:37.759
<v Speaker 1>or could have gone to Julie's you know something. And

0:51:38.200 --> 0:51:40.279
<v Speaker 1>I don't know, it's just it's very It's like what

0:51:40.360 --> 0:51:43.319
<v Speaker 1>do you do with that? How do you go to right?

0:51:43.520 --> 0:51:45.879
<v Speaker 1>Like and go you in the in the Lawe Factor,

0:51:46.160 --> 0:51:49.080
<v Speaker 1>what's happened? Like Joe Daniel, her dream is she wants

0:51:49.160 --> 0:51:52.640
<v Speaker 1>to chance to travel. She's ironically she's a travel writer.

0:51:53.239 --> 0:51:55.919
<v Speaker 1>She worked for travel magazine in the book, and she's

0:51:55.960 --> 0:51:59.279
<v Speaker 1>never traveled. She doesn't even have a passport. And and

0:51:59.360 --> 0:52:01.879
<v Speaker 1>as she's these mentors, they start to point out to her,

0:52:01.920 --> 0:52:04.080
<v Speaker 1>like the amount of money that you've been spending you

0:52:04.239 --> 0:52:05.600
<v Speaker 1>you know, if you just saved it for two or

0:52:05.640 --> 0:52:07.479
<v Speaker 1>three or four months, you'd go in your first trip.

0:52:08.440 --> 0:52:10.799
<v Speaker 1>And she also wants to be a photographer, but she's

0:52:10.800 --> 0:52:12.839
<v Speaker 1>not taking pictures, and they and they start to say

0:52:12.840 --> 0:52:14.840
<v Speaker 1>to her, like, with this amount of money that you're spending,

0:52:14.840 --> 0:52:17.080
<v Speaker 1>you could start taking pictures, you could take you could

0:52:17.080 --> 0:52:19.200
<v Speaker 1>go take a class on how to be a photographer.

0:52:19.920 --> 0:52:22.359
<v Speaker 1>So a big part of the lessons, like when you're

0:52:22.400 --> 0:52:25.920
<v Speaker 1>talking about, is most of us are not consciously thinking

0:52:25.920 --> 0:52:30.279
<v Speaker 1>about how we spend our money. But the problem with

0:52:30.440 --> 0:52:34.520
<v Speaker 1>that is everybody is consciously thinking about how to take

0:52:34.560 --> 0:52:38.080
<v Speaker 1>our money. So like those video games that you play,

0:52:38.520 --> 0:52:40.640
<v Speaker 1>they're designed to stuck money out of your pocket, right

0:52:40.760 --> 0:52:44.120
<v Speaker 1>that that's that's what they're intended to do. Everything that

0:52:44.200 --> 0:52:47.280
<v Speaker 1>we do on social media in between seeing our friends,

0:52:47.880 --> 0:52:50.359
<v Speaker 1>is an ad designed to separate us from our hard

0:52:50.400 --> 0:52:53.080
<v Speaker 1>earned dollars. And we live in a world today where

0:52:53.160 --> 0:52:54.560
<v Speaker 1>we can just be on our phone and then five

0:52:54.560 --> 0:52:57.160
<v Speaker 1>seconds later click on something and spend money. It's never

0:52:57.280 --> 0:53:03.959
<v Speaker 1>been easier to spend mean unconsciously, and so the core

0:53:04.160 --> 0:53:07.520
<v Speaker 1>message of the Latte factor is actually looking at what's

0:53:07.560 --> 0:53:13.680
<v Speaker 1>most important to your values, your dreams, and then consciously

0:53:13.840 --> 0:53:17.160
<v Speaker 1>spending money to get you closer to those things. So

0:53:17.280 --> 0:53:19.160
<v Speaker 1>what do you do when like there is there is

0:53:19.239 --> 0:53:23.640
<v Speaker 1>that difference in spending in a relationship, So like how

0:53:23.719 --> 0:53:27.320
<v Speaker 1>do you Is it just you know, does someone have

0:53:27.440 --> 0:53:29.879
<v Speaker 1>to bend obviously? Like what do you to to keep

0:53:29.960 --> 0:53:33.880
<v Speaker 1>that money? Is it just where is the middle ground? Yeah? Yeah, So,

0:53:34.719 --> 0:53:37.480
<v Speaker 1>by the way, I've been where you are. I've been

0:53:37.680 --> 0:53:40.040
<v Speaker 1>in a position where I've fought about money with my wife,

0:53:40.560 --> 0:53:42.640
<v Speaker 1>and years and years ago I wrote a book called

0:53:42.680 --> 0:53:46.359
<v Speaker 1>Smart Couples, Finished Rich, where interviewed couples that didn't fight

0:53:46.400 --> 0:53:48.919
<v Speaker 1>about money and became financially well off. And we're still

0:53:49.000 --> 0:53:51.160
<v Speaker 1>married and still happy and still in love. And so

0:53:51.400 --> 0:53:55.360
<v Speaker 1>here here's what couples of co are successful at dealing

0:53:55.480 --> 0:53:58.120
<v Speaker 1>with what I would call the money compromised too. The

0:53:58.200 --> 0:54:01.000
<v Speaker 1>first thing is you need to agree on a pay

0:54:01.000 --> 0:54:06.040
<v Speaker 1>yourself first goal, a number you start with. You know

0:54:06.320 --> 0:54:08.400
<v Speaker 1>someday you're gonna want to have money for the future,

0:54:08.960 --> 0:54:10.880
<v Speaker 1>and you need to agree in order to do that,

0:54:10.960 --> 0:54:13.400
<v Speaker 1>you have to pay yourself first. So what percentage of

0:54:13.480 --> 0:54:17.279
<v Speaker 1>your income could the two of you agree to take

0:54:17.320 --> 0:54:20.160
<v Speaker 1>off the top and pay yourself first? I would tell

0:54:20.200 --> 0:54:23.040
<v Speaker 1>you it should be least ten percent of your gross income.

0:54:23.680 --> 0:54:25.600
<v Speaker 1>But the two of you should talk about that, Like,

0:54:25.719 --> 0:54:28.640
<v Speaker 1>let's agree on that so that that money is taken

0:54:28.760 --> 0:54:31.800
<v Speaker 1>right off the top and put away into a retirement account.

0:54:32.680 --> 0:54:35.960
<v Speaker 1>That's number one. Number two, let's agree that. Well, let

0:54:36.000 --> 0:54:38.279
<v Speaker 1>me ask you a specific questions. You guys have children. Yeah,

0:54:38.320 --> 0:54:40.000
<v Speaker 1>we have two kids. We have a five month old

0:54:40.120 --> 0:54:42.239
<v Speaker 1>and a three and a half year old. Okay, so

0:54:42.840 --> 0:54:44.960
<v Speaker 1>do I don't know, do you have an insurance policy

0:54:45.200 --> 0:54:46.840
<v Speaker 1>to protect you in case one or both that you

0:54:46.920 --> 0:54:51.520
<v Speaker 1>die right now? So that's done, so you're taken care of. Like,

0:54:51.600 --> 0:54:53.680
<v Speaker 1>because there's all these questions that like couples need to

0:54:53.719 --> 0:54:56.000
<v Speaker 1>think about, like is your family protecting Great, you've got

0:54:56.040 --> 0:54:58.440
<v Speaker 1>the will, you've got the insurance, so that's good. So

0:54:58.560 --> 0:55:01.560
<v Speaker 1>then it's like who else the size retirement? Could the

0:55:01.600 --> 0:55:04.279
<v Speaker 1>two of you agree on that you want to save

0:55:04.360 --> 0:55:07.560
<v Speaker 1>money for that you could both be excited about. Well

0:55:07.640 --> 0:55:11.560
<v Speaker 1>Mike wants his motorcycle college for our kids. Well no,

0:55:11.680 --> 0:55:13.840
<v Speaker 1>but he's saying like that's already set up, you know,

0:55:14.480 --> 0:55:21.080
<v Speaker 1>like our retirement is insurance. Yeah, yeah, yes, yes, we

0:55:21.160 --> 0:55:23.120
<v Speaker 1>do have that set up. Look at you guys, you're

0:55:23.160 --> 0:55:28.480
<v Speaker 1>doing so much right, So we're good, honey, that's spend spence. No,

0:55:28.600 --> 0:55:30.520
<v Speaker 1>but we did. I will say this though. I did

0:55:31.040 --> 0:55:33.600
<v Speaker 1>send an email to our business manager, which is very

0:55:33.680 --> 0:55:35.719
<v Speaker 1>huge because I have a very hard time talking about money.

0:55:35.760 --> 0:55:40.279
<v Speaker 1>It makes me very uncomfortable. Um, but I I I said,

0:55:40.440 --> 0:55:42.240
<v Speaker 1>I set a meeting for when we're back in Nashville

0:55:42.239 --> 0:55:44.040
<v Speaker 1>because we're moving to Nashville, you know, and hopes to

0:55:44.080 --> 0:55:46.840
<v Speaker 1>save money and you know, from not in l A

0:55:47.000 --> 0:55:49.360
<v Speaker 1>and basically where it's like, Okay, how much are we

0:55:49.440 --> 0:55:53.239
<v Speaker 1>spending a month and where can we not overspending the months?

0:55:53.280 --> 0:55:55.840
<v Speaker 1>So it's like, so we're not spending crazy amounts of

0:55:55.920 --> 0:55:58.759
<v Speaker 1>money and we're able to try to save and then

0:55:58.800 --> 0:56:02.839
<v Speaker 1>put into those investments, you know, portfolios that we have. Um.

0:56:03.000 --> 0:56:04.880
<v Speaker 1>I think that's like kind of what you're saying about

0:56:04.960 --> 0:56:06.640
<v Speaker 1>figuring out like what's kind of left and how to

0:56:06.719 --> 0:56:09.439
<v Speaker 1>like pay each other out. Yeah, And I mean you see,

0:56:09.440 --> 0:56:11.280
<v Speaker 1>you have a business manager, so they should be tracking

0:56:11.320 --> 0:56:13.120
<v Speaker 1>where your money goes. But another thing the two of

0:56:13.200 --> 0:56:15.279
<v Speaker 1>you can do is you can also like put an

0:56:15.280 --> 0:56:18.040
<v Speaker 1>app on your phone that will prap where the money

0:56:18.120 --> 0:56:22.959
<v Speaker 1>is going, so like mint dot com or clarity money

0:56:23.000 --> 0:56:26.520
<v Speaker 1>dot com tracking where the money goes. It is a

0:56:26.640 --> 0:56:28.880
<v Speaker 1>really useful thing to do, especially when you're a couple.

0:56:29.520 --> 0:56:30.640
<v Speaker 1>You can kind of get the end of the week

0:56:30.680 --> 0:56:34.000
<v Speaker 1>and go, you know, where the money really go. Once

0:56:34.080 --> 0:56:35.680
<v Speaker 1>you see where the money is going, you can start

0:56:35.760 --> 0:56:38.480
<v Speaker 1>to really think through like do we need all these things?

0:56:38.560 --> 0:56:42.000
<v Speaker 1>Are there some things that we could change that we're doing? Um?

0:56:43.320 --> 0:56:45.480
<v Speaker 1>Because I think the most important thing as a couple

0:56:46.400 --> 0:56:49.560
<v Speaker 1>just to work as a team and don't let the

0:56:49.760 --> 0:56:54.480
<v Speaker 1>money fight fester, Like the moneys fight usually are over stuff.

0:56:55.280 --> 0:56:57.120
<v Speaker 1>And I always start to get couples to focus on

0:56:57.200 --> 0:56:59.520
<v Speaker 1>the bigger picture, which are your values and your dreams,

0:56:59.560 --> 0:57:02.080
<v Speaker 1>your goal Like a smart a couple of finish churches.

0:57:02.360 --> 0:57:04.400
<v Speaker 1>Basically you can read. Honestly, you can just take that

0:57:04.440 --> 0:57:06.200
<v Speaker 1>book and read it and you can sit down with

0:57:06.239 --> 0:57:09.359
<v Speaker 1>the financial plan or do it yourself. Write down all

0:57:09.400 --> 0:57:11.920
<v Speaker 1>your goals, write down all your values, and work on

0:57:12.040 --> 0:57:14.440
<v Speaker 1>it as a team. But the kids that you want

0:57:14.480 --> 0:57:17.200
<v Speaker 1>to work at it as a team, because you don't,

0:57:17.800 --> 0:57:20.720
<v Speaker 1>the fights will continue. How do you determine, David, whether

0:57:20.880 --> 0:57:24.880
<v Speaker 1>it's whether you're a married couple or an individual. You know,

0:57:24.960 --> 0:57:28.640
<v Speaker 1>you talk about um focusing and prioritizing and things that

0:57:28.680 --> 0:57:31.360
<v Speaker 1>are important for you in your life and your well being,

0:57:31.800 --> 0:57:33.680
<v Speaker 1>but how do you you know, I feel like people

0:57:33.720 --> 0:57:36.919
<v Speaker 1>I know myself just from my personal experience. You people

0:57:36.960 --> 0:57:40.520
<v Speaker 1>can find a way to rationalize or justify something to themselves.

0:57:40.560 --> 0:57:42.440
<v Speaker 1>Would have come to purchase. Okay, yeah I should give

0:57:42.520 --> 0:57:44.320
<v Speaker 1>up my coffee, but I really need my coffee or

0:57:44.360 --> 0:57:46.680
<v Speaker 1>I really like my coffee. Like, how do you determine

0:57:47.200 --> 0:57:50.960
<v Speaker 1>really the hierarchy of of what's important and what you

0:57:51.200 --> 0:57:56.440
<v Speaker 1>can cut on? It's such a good question. Um, here's

0:57:56.440 --> 0:57:59.240
<v Speaker 1>the thing that's so hard for for some people, not everybody,

0:57:59.320 --> 0:58:02.240
<v Speaker 1>but for some people. Ball it's to imagine your life

0:58:02.320 --> 0:58:05.440
<v Speaker 1>twenty and thirty years from now. And the amazing thing

0:58:05.480 --> 0:58:09.640
<v Speaker 1>about money is that well that not even money. Time

0:58:10.560 --> 0:58:13.320
<v Speaker 1>you blink your eyes and you're twenty years older, right,

0:58:13.400 --> 0:58:15.440
<v Speaker 1>Like I remember being in my twenties and we had

0:58:15.680 --> 0:58:17.480
<v Speaker 1>you know, I was I was a brand new financial

0:58:17.480 --> 0:58:20.920
<v Speaker 1>advisor and I was in training and we had a

0:58:20.960 --> 0:58:24.040
<v Speaker 1>sixty one year old financial visor was getting ready to retire,

0:58:24.160 --> 0:58:26.800
<v Speaker 1>come and speak to my training class. And he showed

0:58:26.880 --> 0:58:28.800
<v Speaker 1>us his chart. It's absolutely the back of the book.

0:58:28.840 --> 0:58:30.280
<v Speaker 1>It's the first chart in the back of the book,

0:58:30.280 --> 0:58:35.440
<v Speaker 1>which is about the Camp Miracle compound interest in starting early.

0:58:35.560 --> 0:58:38.600
<v Speaker 1>And he said who in his rooms twenty six and

0:58:38.760 --> 0:58:40.880
<v Speaker 1>a bunch of us raised her hand. He said, you'll

0:58:40.960 --> 0:58:44.720
<v Speaker 1>just say five dollars and forty one a day, you

0:58:44.760 --> 0:58:46.600
<v Speaker 1>can have nearly a million dollars by the time were

0:58:46.680 --> 0:58:48.760
<v Speaker 1>sixty five, just two thousand dollars a year, and I

0:58:48.800 --> 0:58:52.280
<v Speaker 1>are a county ay six. And he said, to you, guys,

0:58:52.560 --> 0:58:54.040
<v Speaker 1>how many of you going out for a drink after

0:58:54.120 --> 0:58:56.360
<v Speaker 1>work tonight? And so we all laughed and we all

0:58:56.440 --> 0:58:58.120
<v Speaker 1>raised our hand because that's the first thing you do

0:58:58.200 --> 0:59:02.320
<v Speaker 1>after a training class. And he goes, just have one

0:59:02.480 --> 0:59:06.280
<v Speaker 1>less drink tonight, because because more than five dollars to

0:59:06.280 --> 0:59:08.440
<v Speaker 1>have a drink in Manhattan. But he's like, just have

0:59:08.560 --> 0:59:11.280
<v Speaker 1>more less drink and then go back to the office

0:59:11.320 --> 0:59:14.000
<v Speaker 1>and funds your retirement account. He goes, because I'm sixty

0:59:14.040 --> 0:59:16.160
<v Speaker 1>one and I'm retiring a multiloying her. I'm out of here.

0:59:16.200 --> 0:59:18.440
<v Speaker 1>I'm done. But I can tell you this, most of

0:59:18.440 --> 0:59:20.000
<v Speaker 1>the guys in your office right now, when you go

0:59:20.080 --> 0:59:22.560
<v Speaker 1>back to your office and their fifties, they're still broke

0:59:22.960 --> 0:59:25.920
<v Speaker 1>and their financial advisors, which he goes, is pathetic, but

0:59:26.040 --> 0:59:28.800
<v Speaker 1>he goes because most financial visors don't do for themselves

0:59:28.840 --> 0:59:31.480
<v Speaker 1>when they do what they do for their clients. And

0:59:31.640 --> 0:59:34.200
<v Speaker 1>he said, so all I can tell you is at

0:59:34.280 --> 0:59:39.640
<v Speaker 1>whatever age you are in this room right now, you're yourself.

0:59:39.800 --> 0:59:43.840
<v Speaker 1>Ten years from now, he's gonna thank you for having

0:59:43.880 --> 0:59:46.600
<v Speaker 1>made a few changes to save more money. And they said,

0:59:46.640 --> 0:59:50.200
<v Speaker 1>in yourself in twenty years and thirty years, is really

0:59:50.280 --> 0:59:52.520
<v Speaker 1>gonna thank you, because he says, you don't know it

0:59:52.640 --> 0:59:55.880
<v Speaker 1>right now, but you're gonna get tired as you get older.

0:59:56.760 --> 0:59:58.640
<v Speaker 1>You're not going to have the same energy and the

0:59:58.720 --> 1:00:01.919
<v Speaker 1>same hunger and the same as typically and you're gonna

1:00:01.920 --> 1:00:04.120
<v Speaker 1>be really happy to turn around your fifties and your

1:00:04.120 --> 1:00:08.280
<v Speaker 1>fifties and have a bunch of money and some of

1:00:08.320 --> 1:00:09.680
<v Speaker 1>the stuff that you're gonna need to give up to

1:00:09.680 --> 1:00:12.480
<v Speaker 1>get there. It's just not that big of a deal.

1:00:14.120 --> 1:00:18.040
<v Speaker 1>And that got me, That got me to start investing.

1:00:18.200 --> 1:00:20.920
<v Speaker 1>I just did an interview right before you with People

1:00:21.120 --> 1:00:24.200
<v Speaker 1>magazine and the one woman interviewed me fifty nine, and

1:00:24.320 --> 1:00:26.360
<v Speaker 1>she was reading this book and she said, you know,

1:00:26.360 --> 1:00:28.480
<v Speaker 1>I love the book. I'm I'm super emotional right now.

1:00:28.600 --> 1:00:30.800
<v Speaker 1>She's like, I just wish I had seen what was

1:00:30.840 --> 1:00:34.520
<v Speaker 1>in the Latte Doctor when I was younger, because it

1:00:34.560 --> 1:00:36.200
<v Speaker 1>seems like it's too late for me now. And I go,

1:00:36.320 --> 1:00:38.760
<v Speaker 1>but it's not too late for you, fifty nine. Not

1:00:38.840 --> 1:00:41.200
<v Speaker 1>too late, But you have to get started today. Like

1:00:41.360 --> 1:00:43.400
<v Speaker 1>you can't spend time worrying about money. You have to

1:00:43.440 --> 1:00:44.880
<v Speaker 1>go to work on your money. And then you have

1:00:45.000 --> 1:00:49.880
<v Speaker 1>to get your money to work for you. And what

1:00:49.960 --> 1:00:52.960
<v Speaker 1>do you mean when you say that, Well, so most

1:00:53.040 --> 1:00:55.120
<v Speaker 1>people have a whole lot of money to have money

1:00:55.160 --> 1:00:57.360
<v Speaker 1>to have in the bank account, right and a bank

1:00:57.400 --> 1:01:02.640
<v Speaker 1>account earns nothing, maybe earns one percent, So money doesn't

1:01:02.720 --> 1:01:06.240
<v Speaker 1>grow at one percent. Take seventy two years for your

1:01:06.280 --> 1:01:09.280
<v Speaker 1>money to double. At one percent, you'll be dead by then,

1:01:10.200 --> 1:01:13.000
<v Speaker 1>so money has to grow at a rate that's five

1:01:13.080 --> 1:01:17.320
<v Speaker 1>percent or higher. And in the lot you've got your book,

1:01:17.680 --> 1:01:19.480
<v Speaker 1>you know, the mentors go through the different ways to

1:01:19.560 --> 1:01:22.840
<v Speaker 1>make a higher rate of return, talking about from bonds

1:01:22.920 --> 1:01:26.160
<v Speaker 1>to stocks and the first five portfolios. And like I

1:01:26.280 --> 1:01:27.800
<v Speaker 1>was just talking to somebody else who was on the

1:01:27.840 --> 1:01:29.480
<v Speaker 1>phone with me, and they were like, how can you

1:01:29.560 --> 1:01:32.160
<v Speaker 1>make ten percent way to return? I'm like, last had

1:01:32.200 --> 1:01:34.560
<v Speaker 1>the SMP five hundred. The stock market is done for

1:01:34.640 --> 1:01:37.320
<v Speaker 1>the last twenty five years. If you if you just

1:01:37.440 --> 1:01:40.720
<v Speaker 1>went to van Guard and looked up the SMP five

1:01:40.800 --> 1:01:44.479
<v Speaker 1>hundred funds, that's an index fund, you'd see that since

1:01:44.520 --> 1:01:48.040
<v Speaker 1>inception the fund is earned ten percent annually. Now there

1:01:48.080 --> 1:01:49.800
<v Speaker 1>have been years it's done better and there's years it's

1:01:49.800 --> 1:01:53.680
<v Speaker 1>not worth but ten percent rate to return your money

1:01:53.720 --> 1:01:57.080
<v Speaker 1>doubles every seven years. And if you don't want to

1:01:57.120 --> 1:01:59.280
<v Speaker 1>take the risk of being all on the stock market,

1:01:59.360 --> 1:02:03.080
<v Speaker 1>you can have a boring, diversified portfolio and those of

1:02:03.240 --> 1:02:08.080
<v Speaker 1>average So you've got to get your money to earn money.

1:02:08.160 --> 1:02:10.640
<v Speaker 1>And what when people go, I don't how do how

1:02:10.680 --> 1:02:14.640
<v Speaker 1>does compound interests really work? What happens over time? Like

1:02:14.720 --> 1:02:16.440
<v Speaker 1>in a couple of decades. Is that your money just

1:02:16.520 --> 1:02:19.720
<v Speaker 1>starts making you a whole lot of money. It makes

1:02:19.720 --> 1:02:21.520
<v Speaker 1>it while you sleep. This is why when people go,

1:02:21.640 --> 1:02:24.240
<v Speaker 1>you know, the rich get richer. The rich get richer

1:02:24.240 --> 1:02:27.040
<v Speaker 1>because their money is making them money. The poor stay

1:02:27.160 --> 1:02:29.440
<v Speaker 1>poor because what money they have is not doing anything

1:02:29.480 --> 1:02:31.920
<v Speaker 1>at all. It's making somebody else rich. Right Like if

1:02:31.920 --> 1:02:33.600
<v Speaker 1>you have a money in a bank account, it zero.

1:02:34.360 --> 1:02:37.080
<v Speaker 1>It's making the people who own the bank rich. So

1:02:37.240 --> 1:02:38.400
<v Speaker 1>you just have to do on that. You have to

1:02:38.440 --> 1:02:40.959
<v Speaker 1>get in the game of building wealth with your money

1:02:41.120 --> 1:02:44.680
<v Speaker 1>versus just having your money sit there. Absolutely, and if

1:02:44.680 --> 1:02:47.160
<v Speaker 1>there before we wrap up with you, David, that's such

1:02:47.200 --> 1:02:49.040
<v Speaker 1>amazing stuff and I hope the listeners take all that

1:02:49.120 --> 1:02:52.840
<v Speaker 1>to heart. What are three areas just off the top

1:02:52.920 --> 1:02:56.560
<v Speaker 1>of that, just real quick that you know that you

1:02:56.600 --> 1:02:59.520
<v Speaker 1>could cut our listeners like where they should cut? You

1:02:59.560 --> 1:03:03.080
<v Speaker 1>know where they're Jim coffee, cable subscription, whatever it is, Like,

1:03:03.120 --> 1:03:04.880
<v Speaker 1>what's the top three that you've seen people will be

1:03:04.920 --> 1:03:07.320
<v Speaker 1>able to cut? Okay, the fastest thing you can do

1:03:07.440 --> 1:03:11.240
<v Speaker 1>to cut your overhead is I would download an app

1:03:11.320 --> 1:03:14.040
<v Speaker 1>like Clarity Money and take a look at what have

1:03:14.160 --> 1:03:16.800
<v Speaker 1>you signed up for? Because what Clarity Money will do.

1:03:16.920 --> 1:03:19.280
<v Speaker 1>This is a financial app is it will show you

1:03:19.400 --> 1:03:22.200
<v Speaker 1>what you signed up for that our subscription fees, anybody

1:03:22.240 --> 1:03:25.320
<v Speaker 1>that you're paying monthly, will summarize it. If you don't

1:03:25.320 --> 1:03:27.480
<v Speaker 1>want to download a new app, go through all your

1:03:27.520 --> 1:03:30.120
<v Speaker 1>credit card bills, go through your checking account, and look

1:03:30.160 --> 1:03:32.400
<v Speaker 1>at what have you signed up to pay for monthly?

1:03:32.760 --> 1:03:36.960
<v Speaker 1>Because today we have we're paying everybody else besides yourself automatically,

1:03:37.360 --> 1:03:40.000
<v Speaker 1>so like it could be gym membership, it could be

1:03:40.080 --> 1:03:43.240
<v Speaker 1>Apple storage, it could be Netflix, it could be you're

1:03:43.240 --> 1:03:46.120
<v Speaker 1>having a box of goodies sent to you. I don't

1:03:46.120 --> 1:03:49.120
<v Speaker 1>know what it is, but going through those six expenses

1:03:49.160 --> 1:03:51.160
<v Speaker 1>and going what could have change? Because when you change

1:03:51.200 --> 1:03:56.720
<v Speaker 1>a fixed expense that's fifty a month a year, and

1:03:56.840 --> 1:03:59.720
<v Speaker 1>that's six thousand dollars over a decade. You do two

1:03:59.800 --> 1:04:02.439
<v Speaker 1>or three of those and you've just found enough money

1:04:02.480 --> 1:04:05.480
<v Speaker 1>to start seriously saving and investing. So I look at

1:04:05.480 --> 1:04:08.240
<v Speaker 1>the six expensive number one, number two, I look at

1:04:08.280 --> 1:04:11.240
<v Speaker 1>what is your latte factor. I would go and track

1:04:11.280 --> 1:04:15.080
<v Speaker 1>where your money goes for for just two days two days,

1:04:15.160 --> 1:04:17.720
<v Speaker 1>carry pad of paper, spend money like you always do,

1:04:18.520 --> 1:04:21.840
<v Speaker 1>write it down and then and then added up like

1:04:22.240 --> 1:04:23.680
<v Speaker 1>people have done this and they're like, you know, I

1:04:23.760 --> 1:04:26.640
<v Speaker 1>really do spend fifteen dollars a day at Starbucks. And

1:04:26.720 --> 1:04:29.400
<v Speaker 1>then the question I go, will well quaint? So there's

1:04:29.440 --> 1:04:31.439
<v Speaker 1>two choices you could make the coffee. You can don't

1:04:31.440 --> 1:04:33.200
<v Speaker 1>buy Starbucks coffee, right like, you could make it at

1:04:33.240 --> 1:04:36.280
<v Speaker 1>home for twenty cents. Or if you're not going to

1:04:36.320 --> 1:04:39.120
<v Speaker 1>give it up, then you should start to look seriously

1:04:39.200 --> 1:04:43.640
<v Speaker 1>at investing in the company where you're where you refuse

1:04:43.760 --> 1:04:47.600
<v Speaker 1>to stop spending money, right like, if you have an

1:04:47.600 --> 1:04:50.040
<v Speaker 1>issue where you use Uber a lot, Uber just want public,

1:04:50.120 --> 1:04:51.960
<v Speaker 1>you could own that. You could own Uber, right like

1:04:52.400 --> 1:04:55.080
<v Speaker 1>investing what you won't give up. And the third thing

1:04:55.120 --> 1:04:58.120
<v Speaker 1>I would say is look at a big find a

1:04:58.200 --> 1:05:01.000
<v Speaker 1>big expensive you could change, So biggest expense that people

1:05:01.040 --> 1:05:04.040
<v Speaker 1>can change, and were most people are not conscious of this,

1:05:05.120 --> 1:05:08.920
<v Speaker 1>but it's car expensive. So the average Americans car expense

1:05:08.960 --> 1:05:12.000
<v Speaker 1>for a new car right now is five three dollars

1:05:12.040 --> 1:05:16.840
<v Speaker 1>a month, and that doesn't include insurance, doesn't include gas.

1:05:17.560 --> 1:05:20.600
<v Speaker 1>If you've got storage, it doesn't include storage. So what

1:05:20.760 --> 1:05:22.760
<v Speaker 1>I've seen is that many people are spending two to

1:05:22.880 --> 1:05:25.880
<v Speaker 1>three months a year paying for their car. And one

1:05:25.920 --> 1:05:28.000
<v Speaker 1>of the fastests you can do to cut your overhead.

1:05:28.040 --> 1:05:29.960
<v Speaker 1>If your two car families go down to one car.

1:05:30.440 --> 1:05:32.480
<v Speaker 1>If you're a three car family, for sure, get down

1:05:32.520 --> 1:05:35.440
<v Speaker 1>with two cars and figure out if you can get

1:05:35.480 --> 1:05:38.000
<v Speaker 1>your car overhead down, because the car overhead is almost

1:05:38.040 --> 1:05:40.000
<v Speaker 1>like an expense that we take for granted. We just

1:05:40.120 --> 1:05:41.480
<v Speaker 1>assume we have to have a car, and we have

1:05:41.600 --> 1:05:44.000
<v Speaker 1>to have a certain sort of a certain amount of

1:05:44.000 --> 1:05:46.439
<v Speaker 1>money that always goes towards a car, and we don't

1:05:46.520 --> 1:05:51.360
<v Speaker 1>really think about the overall financial ramifications. And today there

1:05:51.400 --> 1:05:53.120
<v Speaker 1>are a lot of ways to get around without owning

1:05:53.160 --> 1:05:56.280
<v Speaker 1>a car. And if you can cut out one car expense,

1:05:57.080 --> 1:05:59.840
<v Speaker 1>that can be the extra time. It's a lot of money,

1:06:00.280 --> 1:06:02.760
<v Speaker 1>be enough money to help you retire ten years sooner,

1:06:03.280 --> 1:06:04.880
<v Speaker 1>if you gave up one car in a family, or

1:06:04.960 --> 1:06:07.560
<v Speaker 1>you went from an expensive car to a chupercar. I

1:06:07.680 --> 1:06:10.680
<v Speaker 1>love that. Um, that's some really good advice. I'm super

1:06:10.720 --> 1:06:12.800
<v Speaker 1>pumped about that. And we're gonna I'm gonna go home

1:06:12.880 --> 1:06:14.720
<v Speaker 1>right now. I'm like making my list and being quiet

1:06:14.720 --> 1:06:18.520
<v Speaker 1>over here making my list of what. Um, but seriously,

1:06:18.560 --> 1:06:21.600
<v Speaker 1>thank you so much, David, and we're um, we would uh,

1:06:22.200 --> 1:06:24.160
<v Speaker 1>I'm gonna read all your books now because you've got

1:06:24.240 --> 1:06:27.880
<v Speaker 1>would you say thirteen. Yeah, but it starts to start

1:06:27.920 --> 1:06:30.200
<v Speaker 1>with a Latta Factor and your for your listeners, come

1:06:30.280 --> 1:06:33.680
<v Speaker 1>check out the website at the Latte factor dot com. Um.

1:06:33.760 --> 1:06:36.760
<v Speaker 1>We've got a special big bonus gift thing going on

1:06:36.880 --> 1:06:38.920
<v Speaker 1>there with like over five or dollars with a special

1:06:39.040 --> 1:06:41.560
<v Speaker 1>downloadable bonuses and things. If they join us, we've got

1:06:41.600 --> 1:06:44.120
<v Speaker 1>a special insider team. UM, and that's gonna go for

1:06:44.160 --> 1:06:47.400
<v Speaker 1>about another two weeks and then David bo dot com

1:06:47.560 --> 1:06:49.640
<v Speaker 1>is the primary website where all the books are listed

1:06:49.680 --> 1:06:51.320
<v Speaker 1>and you can get our friend news letter there David

1:06:51.360 --> 1:06:53.680
<v Speaker 1>Bok dot com. Awesome. Thank you so much, David, Thank

1:06:53.680 --> 1:06:56.520
<v Speaker 1>you so much. You guys are so welcome. I appreciate you.

1:06:56.600 --> 1:07:04.720
<v Speaker 1>Thanks for having me on UM. That's really good advice. Money.

1:07:04.880 --> 1:07:07.520
<v Speaker 1>Just want to talk about money, literally literally just irks me.

1:07:08.040 --> 1:07:11.479
<v Speaker 1>I know it does super good, just because I don't

1:07:12.320 --> 1:07:14.120
<v Speaker 1>I wouldn't want to spend a penny if I if

1:07:14.160 --> 1:07:16.880
<v Speaker 1>I didn't have to, I just want to save it all.

1:07:17.960 --> 1:07:22.880
<v Speaker 1>I think we balanced each other out though, because you

1:07:23.000 --> 1:07:25.440
<v Speaker 1>got like you get so much anxiety at around it

1:07:26.240 --> 1:07:29.480
<v Speaker 1>where you would never do anything for yourself, and so

1:07:29.600 --> 1:07:31.360
<v Speaker 1>you have someone who is a little bit more loss.

1:07:31.400 --> 1:07:33.600
<v Speaker 1>I fear, which to a fault of mine, I am.

1:07:33.800 --> 1:07:40.000
<v Speaker 1>I tend to be that way. Um, you know, I'm I.

1:07:40.320 --> 1:07:42.840
<v Speaker 1>I think I offer you opportunities to to take care

1:07:42.840 --> 1:07:44.800
<v Speaker 1>of yourself or to do something for yourself that you deserve.

1:07:45.800 --> 1:07:48.080
<v Speaker 1>I try to mean you force me like you just

1:07:48.200 --> 1:07:52.360
<v Speaker 1>force me to buy, because otherwise, you know, won't you won't.

1:07:53.200 --> 1:07:55.320
<v Speaker 1>All right, let's take an email mark what you got

1:07:55.360 --> 1:07:57.880
<v Speaker 1>for me. But thank you very much. Jess says, due

1:07:57.920 --> 1:08:00.200
<v Speaker 1>to blood pressure issues and being high risk, I'm having

1:08:00.240 --> 1:08:02.160
<v Speaker 1>a C section next week at thirty nine weeks, and

1:08:02.200 --> 1:08:04.280
<v Speaker 1>it was not in my plan. I desperately wanted a

1:08:04.360 --> 1:08:08.080
<v Speaker 1>v back, which I learned is a vaginal birth after

1:08:08.160 --> 1:08:13.760
<v Speaker 1>c section. Not until I became a father. I had

1:08:13.760 --> 1:08:15.800
<v Speaker 1>an emergency c section eight years ago, and it was

1:08:15.920 --> 1:08:17.960
<v Speaker 1>very traumatic. I had a panic attack while I was

1:08:18.040 --> 1:08:20.360
<v Speaker 1>on the operating table and was screaming and asking if

1:08:20.439 --> 1:08:23.040
<v Speaker 1>he my baby was going to die. I was restrained,

1:08:23.120 --> 1:08:25.160
<v Speaker 1>had a spinal tap, couldn't feel my legs. I'm a

1:08:25.200 --> 1:08:27.759
<v Speaker 1>sexual abuse survivor, and I'm so anxious and so scared.

1:08:28.120 --> 1:08:30.120
<v Speaker 1>I don't want to feel that way ever again, especially

1:08:30.160 --> 1:08:32.120
<v Speaker 1>when I'm bringing my baby into the world. By the way,

1:08:32.160 --> 1:08:33.800
<v Speaker 1>my son was able to heal and as a healthy,

1:08:33.840 --> 1:08:37.000
<v Speaker 1>growing little man. I'm an avid podcast listener, and I

1:08:37.080 --> 1:08:38.840
<v Speaker 1>know that you opted to have your C section, and

1:08:38.880 --> 1:08:41.000
<v Speaker 1>I admire your bravery so much. I'm just hoping you

1:08:41.040 --> 1:08:43.280
<v Speaker 1>could share anything with me that will help me feel better.

1:08:45.080 --> 1:08:48.200
<v Speaker 1>Oh geez. I mean, first of all, I'm sorry that

1:08:48.240 --> 1:08:52.439
<v Speaker 1>you have all those triggers. I look. I if you

1:08:52.560 --> 1:08:55.760
<v Speaker 1>listen to the episode where I had Jason, I freaked out.

1:08:56.040 --> 1:08:59.559
<v Speaker 1>I had a panic attack. I passed out. They gave

1:08:59.640 --> 1:09:04.120
<v Speaker 1>me have to like to chill um. I was terrified.

1:09:04.800 --> 1:09:08.000
<v Speaker 1>I think it's normal, it's okay. The amount of women

1:09:08.040 --> 1:09:11.040
<v Speaker 1>I felt so stupid after that episode aired because I

1:09:11.160 --> 1:09:15.880
<v Speaker 1>was embarrassed. But so many women have a hard C

1:09:16.040 --> 1:09:18.560
<v Speaker 1>section and they freak out. But at the end of

1:09:18.560 --> 1:09:22.080
<v Speaker 1>the day, like it's traumatic, but just try to relax.

1:09:22.320 --> 1:09:24.439
<v Speaker 1>I know it's hard to say when you can't feel

1:09:24.479 --> 1:09:27.000
<v Speaker 1>your legs, because I was freaking out and I probably

1:09:27.000 --> 1:09:29.200
<v Speaker 1>couldn't relax if we had a third baby. So I

1:09:31.120 --> 1:09:32.840
<v Speaker 1>just know that you're gonna be okay. It's such a

1:09:32.920 --> 1:09:36.160
<v Speaker 1>routine surgery and you will be okay. And put some

1:09:36.240 --> 1:09:40.560
<v Speaker 1>good music on. That's my advice. I mean, There's not

1:09:40.760 --> 1:09:42.519
<v Speaker 1>more I could say other than that. I mean, hope

1:09:42.560 --> 1:09:44.559
<v Speaker 1>that helps. I mean, yeah, she's not alone. Yes, you're

1:09:44.560 --> 1:09:46.960
<v Speaker 1>not alone. Yeah, you're not alone. I'm gonna be okay,

1:09:47.000 --> 1:09:48.639
<v Speaker 1>and the baby is going to be You. Guys will

1:09:48.680 --> 1:09:54.840
<v Speaker 1>be okay, I promise, And doctors have done this thousand

1:09:54.920 --> 1:09:57.000
<v Speaker 1>times over, so you will be okay, and we'll be

1:09:57.080 --> 1:10:00.360
<v Speaker 1>praying for you. And A says, I'm twenty five and

1:10:00.400 --> 1:10:04.080
<v Speaker 1>I've never kissed someone. I'm totally disinterested in online dating,

1:10:04.120 --> 1:10:05.639
<v Speaker 1>and every time I made a new boy, my brain

1:10:05.720 --> 1:10:08.080
<v Speaker 1>screams run. However, I do you have a cross on

1:10:08.160 --> 1:10:09.559
<v Speaker 1>her friend? And I'd like to see if we could

1:10:09.600 --> 1:10:12.040
<v Speaker 1>be something. He knows me extremely well, but I can't

1:10:12.040 --> 1:10:14.600
<v Speaker 1>bring myself to even talk to him but anything of substance.

1:10:14.760 --> 1:10:17.160
<v Speaker 1>It's all small talk and laughing. He's just as shy

1:10:17.240 --> 1:10:19.680
<v Speaker 1>as me. It's like we're in a shy standoff. I

1:10:19.760 --> 1:10:21.840
<v Speaker 1>can feel a connection, but neither of us are willing

1:10:21.880 --> 1:10:23.720
<v Speaker 1>to do anything about it. So, guys, what the heck

1:10:23.800 --> 1:10:27.719
<v Speaker 1>do I do? Stay single forever? Hashtag one year old virgin.

1:10:29.439 --> 1:10:35.519
<v Speaker 1>It's okay, just just go up and randomly kiss somebody.

1:10:37.680 --> 1:10:41.280
<v Speaker 1>Ask your friend, just be okay? Do you think you

1:10:41.360 --> 1:10:43.000
<v Speaker 1>and I could ever be more than what we are.

1:10:43.520 --> 1:10:46.599
<v Speaker 1>I just say, make out with him, do it, Run

1:10:46.680 --> 1:10:50.720
<v Speaker 1>up and kiss him. Take a leap. Take the leap.

1:10:50.800 --> 1:10:52.920
<v Speaker 1>I won't jump off the bridge. Don't be scared of

1:10:52.960 --> 1:10:56.240
<v Speaker 1>the conversation. Yeah, you guys aren't gonna lose your friendship

1:10:56.600 --> 1:11:01.280
<v Speaker 1>by having that conversation. Can I suggest something press I

1:11:01.439 --> 1:11:05.600
<v Speaker 1>feel you're both so shy. I'm getting an idea that

1:11:05.640 --> 1:11:08.920
<v Speaker 1>maybe you two have similar interests and if that's the case,

1:11:09.439 --> 1:11:12.400
<v Speaker 1>maybe you buy two movie ticket to something. And then

1:11:12.400 --> 1:11:14.320
<v Speaker 1>you pull a thing like, oh my gosh, my friend

1:11:14.439 --> 1:11:16.400
<v Speaker 1>just totally bailed on me and I got the actor ticket.

1:11:16.479 --> 1:11:19.160
<v Speaker 1>Would you want to go? Because then it's like no pressure,

1:11:19.280 --> 1:11:21.760
<v Speaker 1>it's no big deal. It seems spontaneous. And then you

1:11:21.840 --> 1:11:24.240
<v Speaker 1>get the idea if he's interested, if he says no,

1:11:24.400 --> 1:11:27.120
<v Speaker 1>maybe he's really really shy, but it could be kind

1:11:27.120 --> 1:11:29.760
<v Speaker 1>of a spontaneous, organic way of doing something together. I

1:11:29.840 --> 1:11:32.240
<v Speaker 1>love that. It's like the best idea ever. And then

1:11:32.280 --> 1:11:34.960
<v Speaker 1>you just like slide your hand over like, oh sorry,

1:11:38.760 --> 1:11:39.599
<v Speaker 1>I love you guys,