Speaker 1: Episode three oh three, fifth Anniversary Special Secrets behind a
Speaker 1: personal finance podcast.
Speaker 2: Welcome to the Frugal Friends podcast, where you'll learn to
Speaker 2: save money, embrace simplicity, and live a life. Here your
Speaker 2: hosts Jen and Jill.
Speaker 3: Poo poo pooh, peo peo peo, pooh, pooh pooh.
Speaker 1: Welcome to the Frugal Friends podcast. My name is Jen,
Speaker 1: my name is Jill, and we are saying that for
Speaker 1: the three hundred and third time over.
Speaker 3: I'm sure we're five more than that, right, think about
Speaker 3: all the episodes we had to re record.
Speaker 1: Oh yeah, five years.
Speaker 3: Five years. That's longer than most marriages.
Speaker 1: Yikes.
Speaker 3: And I think I said that at like our two years.
Speaker 1: Yes, this is the longest relationship I have been in
Speaker 1: other than other than my my husband. Yeah, so, and
Speaker 1: I'm pleased with it.
Speaker 3: Please you five years? Yes, Oh, I'm gonna you. You
Speaker 3: keep going. Okay, look up what people do for their
Speaker 3: five year anniversary.
Speaker 1: Right, So, today we are going to share some secrets
Speaker 1: behind our personal finance podcast.
Speaker 3: You.
Speaker 1: We asked you on Instagram to share some personal questions
Speaker 1: you had about us, some questions about the podcast, and
Speaker 1: so we're going to answer those. But We're not just
Speaker 1: going to you know, be self absorbed and talked all
Speaker 1: about ourselves. We also are going to relate it back
Speaker 1: to you, your finances and how you can benefit from
Speaker 1: five years have a frugal friends.
Speaker 3: Our Wooden Anniversary, Wooden Anniversary, and woulden because it's so
Speaker 3: strong stuff houses are built out of to withstand, not termites,
Speaker 3: but the rest of that element.
Speaker 1: You can only break it if you are trained in
Speaker 1: kind of martial.
Speaker 3: Art or you're a termite.
Speaker 1: But first, this episode is brought to you by the
Speaker 1: shows who helped us get here. Success does not happen
Speaker 1: in a vacuum, and to record over three hundred episodes,
Speaker 1: it takes a village of mentorship, support and love. One
Speaker 1: of those early shows was Optimal Finance Daily. If you
Speaker 1: like audio books, then you'll love Optimal Finance Daily. They
Speaker 1: narrate personal finance articles every day of the week so
Speaker 1: that you don't you don't have to find all the
Speaker 1: blogs and read them yourself. So there's stuff on investing, saving, earning.
Speaker 1: Definitely subscribed, but the original podcast, Optimal Living Daily. There's
Speaker 1: a lot of different ones, like Health Finance more than that,
Speaker 1: but Optimal Living Daily was one of the first to
Speaker 1: recognize my writing. They read one of my articles on
Speaker 1: their podcast, and so they have more like minimalism and
Speaker 1: literally everything like optimal living on that one, and you
Speaker 1: should definitely check them out. Old podcast dot com, get
Speaker 1: it Optimal Living Daily, Old podcast dot com. And so
Speaker 1: the first thank you of this episode goes out to
Speaker 1: Optimal Living Daily, Optimal Finance Daily. So thank you Justin
Speaker 1: Lee for believing me before Frugal Friends was a twinkle in.
Speaker 3: Our eyes, wasn't even a thought in our bellies.
Speaker 1: No, we're in our brains right, My thoughts are around.
Speaker 3: They got believe deep from belief that.
Speaker 1: So if you want to check out our other anniversary specials,
Speaker 1: we don't do one every year, but we did do
Speaker 1: one last year, episode two oh seven, what we've learned
Speaker 1: in four years of Frugal Friends. And then you guys
Speaker 1: ask us all the time for like a husband's episode.
Speaker 1: We actually did that episode one oh four. It was
Speaker 1: our two year anniversary special where we brought Eric and
Speaker 1: Travis on and we did a lot like a show
Speaker 1: all four of us together. Yes, and that was that
Speaker 1: was interesting. Maybe we'll have to bring that back for
Speaker 1: our six.
Speaker 3: That would be fun. Yeah, and it it is on
Speaker 3: YouTube too. It's on YouTube part of it as well,
Speaker 3: if you want to see what our hot man pieces
Speaker 3: look like.
Speaker 1: And then and then all right, so first I want
Speaker 1: to start before we get into your questions and the
Speaker 1: and the formula's secret formula for personal finance podcast success.
Speaker 1: I would like to prove to you that we have
Speaker 1: made it, Like if you were on if you were questioning, like, oh,
Speaker 1: who are you guys to me like talking about this stuff.
Speaker 1: I just want to say, when you google personal finance podcast,
Speaker 1: we're not in the nine podcasts that show up on
Speaker 1: the first page, but when you click forty two more,
Speaker 1: we are there.
Speaker 3: Wow, try it.
Speaker 1: Try it. So we are in the top fifty one.
Speaker 1: We are in the top fifty one. Amazing, yes, at least,
Speaker 1: and we're somewhere in the middle of the pack. So
Speaker 1: it's like probably top thirty or something.
Speaker 3: Now are you just guessing?
Speaker 1: I am guessing. I didn't count, but I'm adding nine
Speaker 1: to forty two. We are there, and we are actually
Speaker 1: on one of the journalist curated lists on the first page,
Speaker 1: because it's all everyone has, like best personal finance podcasts,
Speaker 1: everyone's got one of those, and we're on one of
Speaker 1: those lists. It is because I know the journalist who
Speaker 1: wrote it. It is because she is a friend of mine.
Speaker 3: I mean networking, Yeah, how you do it? There's your
Speaker 3: there's your first tip, first or third tip. I mean
Speaker 3: we're deep in the weeds.
Speaker 1: Now, I ca've lost now counter tip is just networking
Speaker 1: making along in life.
Speaker 3: I like making friends.
Speaker 1: I like to call it making friends, but I love
Speaker 1: being made friend with community. Yes, we needed yes. So
Speaker 1: that is all of the clout and justification of status
Speaker 1: that we bring to this very important discussion on how
Speaker 1: to start a personal finance podcast.
Speaker 3: Direct Knowing how to.
Speaker 1: It's a little tongue in cheek, but but that is
Speaker 1: that is the theme. It's a loose theme, all right.
Speaker 1: So I did not assign these questions to anyone because
Speaker 1: we'll probably both want to answer each of them in
Speaker 1: our own way. So the first one that you guys
Speaker 1: wanted to know is how did you start the podcast?
Speaker 1: How did it come to be? And if you've listened
Speaker 1: to other people's podcasts that we've been on, you've probably
Speaker 1: heard this story. But we don't get the chance to
Speaker 1: share it a lot on this one.
Speaker 3: There's always I think we try and answer this question,
Speaker 3: like an elevator speech, we will often give a very
Speaker 3: short answer, although I've seen multiple layers to it. I
Speaker 3: think what I will choose to say to this question
Speaker 3: is we were friends, and that story of how we
Speaker 3: met is in multiple other podcasts and maybe you'll touch
Speaker 3: on it, Jen, but it really from my perspective, was Eric,
Speaker 3: my husband, wanting to get into the podcasting space. He
Speaker 3: had been a producer music producer, mostly as a hobby,
Speaker 3: but made some money at it and was trying to
Speaker 3: get out of the work that he was doing. So
Speaker 3: he was like the original, how do I bootstrap my
Speaker 3: way to finding other work that I'm going to enjoy
Speaker 3: more and what do I think that's going to be
Speaker 3: and let me just give it a try. And so
Speaker 3: he saw a podcasting as potentially the bread and butter
Speaker 3: of audio work. It's not music, but it's better than
Speaker 3: electrical work. So he was kind of looking around for
Speaker 3: how could I start a podcast from the ground up
Speaker 3: that would be his kind of baby and part of
Speaker 3: his portfolio, so that he could see if he likes
Speaker 3: it and then have something to show people if he
Speaker 3: is going to start other people help other people start
Speaker 3: a podcast. And so I think he saw it in
Speaker 3: you and I. First he had asked you, do you
Speaker 3: ever think about starting a podcast? And do you? Of
Speaker 3: course were like, no, never, And I've come to learn
Speaker 3: that no never means absolutely very soon.
Speaker 1: Yeah, no never for me is death is unfortunately, you know,
Speaker 1: probably in the next couple of weeks.
Speaker 3: Yeah, let me give it a try. And I was
Speaker 3: mostly on board just because I liked you, Jen, and
Speaker 3: I wanted to help my husband and this also that
Speaker 3: was the idea, was let's do personal finance. Eric was like, oh, yeah,
Speaker 3: Jill enjoys not spending a lot of money, and she
Speaker 3: knows how to get things inexpensively. We've come to learn
Speaker 3: that frugality is about so much more than that, as
Speaker 3: I'm sure we'll talk about, and you've probably seen my
Speaker 3: evolution if you've been with us for a long time.
Speaker 3: And so that was my reason for getting into it.
Speaker 3: And also I think I realized, oh, this is an
Speaker 3: opportunity for me to learn more about a subject that
Speaker 3: I wouldn't necessarily choose to be talking about all the time.
Speaker 3: This podcast has forced me to read what now six
Speaker 3: hundred articles on personal finance and be involved in a
Speaker 3: community where others are talking and asking questions, and you,
Speaker 3: Jen are informing me with the kind of research background
Speaker 3: that you have, And it is true like all of
Speaker 3: those things have happened, and I've been quite amazed. But
Speaker 3: for me, the how did we it was these conversations
Speaker 3: and considering what could this be and how could it
Speaker 3: be a win win win win win for all of us.
Speaker 3: We each entered it and we still do. I think
Speaker 3: see you, Jen, myself and Eric as kind of the
Speaker 3: trio who started this podcast. Eric thankfully has had less
Speaker 3: and less to do with it as we've been able
Speaker 3: to like flap our ways for him less and less,
Speaker 3: but still very much a part of it and the
Speaker 3: inception of it, and so but yet the three of
Speaker 3: us came at it with very different reasons. For Eric,
Speaker 3: it was trying his hand at the background and the
Speaker 3: audio and the back end of it. For you, it
Speaker 3: was to grow your personal blog brand. And for me
Speaker 3: it was to be a support and to learn more.
Speaker 3: But and it worked for all of us, Holy smokes,
Speaker 3: It worked for all of us in ways we.
Speaker 1: Did not anticipate like it was. It was really an
Speaker 1: outlet for me because I have seen myself as a
Speaker 1: writer not a podcaster. I did not need to add
Speaker 1: something else to my plate. I didn't have a child
Speaker 1: at that time, much less two children, So it was
Speaker 1: something I went in and I was like, we can
Speaker 1: do this for a little while and if it doesn't
Speaker 1: work out, we don't have to do it forever. So
Speaker 1: like we didn't go in with this all or nothing mentality.
Speaker 1: We really all went in with it like let's try
Speaker 1: our hand at this. Yeah, let's explore it and not
Speaker 1: be afraid of the new thing, which is at first
Speaker 1: kind of what I you know, my hesitation. And I
Speaker 1: think that's probably the first lesson in all of this
Speaker 1: is that we so often in our finances, in our career,
Speaker 1: in life want to be all or nothing. You know,
Speaker 1: if I can't do it the best, then I shouldn't
Speaker 1: do it at all. But like I think the just
Speaker 1: the feeling of just being curious really is how frugal
Speaker 1: friends came to be. Eric was curious about if podcasting
Speaker 1: could be, you know, the next phase for audio engineering,
Speaker 1: and you were curious about personal finance. I was curious
Speaker 1: about podcasting. So I really encourage people to go in
Speaker 1: and not say like this is my new way of life,
Speaker 1: this is what I'm banking everything on, because this is
Speaker 1: not what I banked everything on. This was never the
Speaker 1: plan to be a full time podcaster, yeah, but it
Speaker 1: just it happened that way as a result of being curious.
Speaker 3: Well, and for me, if I can tack on a
Speaker 3: lesson to that, I think being willing to go outside
Speaker 3: of what your norms might be, what you would think
Speaker 3: you'd want to do. If someone would have asked me,
Speaker 3: prefrugal friends, what would you want to have a podcast on?
Speaker 3: One hundred percent would not have been personal finance because
Speaker 3: I didn't view myself as as having much to say
Speaker 3: in this space and I don't really other than representing
Speaker 3: the voice of the common person and having some of
Speaker 3: my own lived experience. But I certainly would have gone
Speaker 3: the route of counseling or digging into people's stories. That's
Speaker 3: what appeals to me. But this wasn't And I'm never
Speaker 3: going to advocate that people do something that they really
Speaker 3: don't like to do, but I think sometimes we don't
Speaker 3: know what those things are until we give it a try.
Speaker 3: And I'm so grateful and it's one of the reasons
Speaker 3: why when we talk about side hustles, I encourage people
Speaker 3: to pick up a side hustle that is something they
Speaker 3: really enjoy and or outside of what they do in
Speaker 3: their nine to five pretty much. I say that because
Speaker 3: that's a part of my lived experience that now looking back,
Speaker 3: I'm so glad I didn't choose something social work adjacent,
Speaker 3: because that just would have been then all of my
Speaker 3: time is talking about the issues and the injustices and
Speaker 3: the deep hurts and sufferings of people, and that's too
Speaker 3: much for one person. Twenty four to seven. This provides
Speaker 3: me such a separate space to still be myself. It's
Speaker 3: still things I'm interested in, but it's totally different. They're connected.
Speaker 3: There's many overlaps, which I'm grateful for. But I think
Speaker 3: when we're considering a new career or a side hustle,
Speaker 3: or just something else to set our hands to to
Speaker 3: feed us, to give us some additional life or benefit,
Speaker 3: because we didn't approach this necessarily as a side hustle.
Speaker 3: We just approach this as let's give this a try.
Speaker 3: But it was able to turn into that, but even
Speaker 3: as a hobby, like, what's something that you can do
Speaker 3: that might even be exercising a different part of you?
Speaker 1: And that You don't have to be a complete expert.
Speaker 1: All you need to be is ten steps ahead of
Speaker 1: whoever your target audience is and make that clear.
Speaker 3: So that's and also it's not just us. I want
Speaker 3: to highlight that too. I know we're only on the
Speaker 3: first question, but I think we can look at people
Speaker 3: on Instagram or podcasts or literally pick any other field,
Speaker 3: but especially business owners and think they're doing it all
Speaker 3: themselves and like, no, we're not, and it has gone
Speaker 3: better I think for you and I to have one
Speaker 3: another and we have a virtual assistant shout out Goldie.
Speaker 3: And we have an editor, and we have Eric who
Speaker 3: really we couldn't have nor would we have started a
Speaker 3: podcast if it hadn't have been for his knowledge from
Speaker 3: the start.
Speaker 1: Yeah, shout out to our editor Christian. Shout out to
Speaker 1: our social media manager Paula. Like we have people, our
Speaker 1: video editor, Maddie, we have people.
Speaker 3: We didn't start there. We started with you, me and Eric,
Speaker 3: which is great, but even that we weren't alone, right,
Speaker 3: And I think that made all the difference exactly.
Speaker 1: Okay, So moving on to the second one. The second
Speaker 1: ones are a little probably less meaty than you answer
Speaker 1: it first, Okay, are you have to ask it.
Speaker 3: Okay, how have you changed as a person as the
Speaker 3: podcast has progressed, and how has that shown up in
Speaker 3: the show.
Speaker 1: We both have changed a lot as people, and our
Speaker 1: views on personal finance and frugality have evolved. I won't
Speaker 1: say they've changed, I'd say they've evolved, as they should.
Speaker 1: I think it is unwise to set your opinions in stone,
Speaker 1: even when it pertains to yourself. Like you could have
Speaker 1: all the knowledge about yourself and say this is the
Speaker 1: best way for me, But in reality, what's best for
Speaker 1: you is best for you right now now, and that
Speaker 1: can always evolve, and it probably should be. When we
Speaker 1: started this podcast, I did not have kids, and now
Speaker 1: I have. We're recording this in February when it airs,
Speaker 1: I'll hopefully have two. We have we have one right now.
Speaker 1: So like a lot has changed, but it's also my
Speaker 1: views on frugality have refined. They've been refined, and so
Speaker 1: I think when we started, I was much more focused on, like,
Speaker 1: I want to help people save money so they can
Speaker 1: pay off debt faster. Now I do this podcast because
Speaker 1: I want to help people feel good about their money
Speaker 1: and be able to not feel guilt and shame about
Speaker 1: what they're spending money on and so, and that obviously
Speaker 1: will involve you know, it has the peripheral stuff of
Speaker 1: like you feel better about your money when you have
Speaker 1: less debt, and you feel less guilt and shame about
Speaker 1: your spending when you are are spending probably less than
Speaker 1: what you're making, and so so that has become the core.
Speaker 1: So what the peripherals were my priority when we started,
Speaker 1: and now I've put the peripherals in their place and
Speaker 1: created more solid core belief. Wow, that's me.
Speaker 3: Okay, that's amazing. I don't even know if I could
Speaker 3: say all the ways that I have changed or evolved
Speaker 3: over the last five years, but for what I can see,
Speaker 3: I certainly think. I mean, first of all, life circumstances
Speaker 3: have changed. Through the course of recording this podcast. Eric
Speaker 3: and I have become debt free, and we bought a house.
Speaker 3: We stopped living in vehicles, and we're in a home
Speaker 3: now in Florida. We moved states.
Speaker 1: So there's so many not living in a vehicle.
Speaker 3: Yes, right, there's so many things that I can point
Speaker 3: to that that just life has happened, and we've continued
Speaker 3: to record the podcast. I think one of the biggest
Speaker 3: changes or evolutions for me has been mindset around money
Speaker 3: and this community of frugal friends podcast listeners and you,
Speaker 3: Jen are I can pretty much say you're ninety percent
Speaker 3: responsible for that, which I'm so grateful for. I don't
Speaker 3: think I realized the benefit that I would receive to
Speaker 3: the extent that I have in this time, and I
Speaker 3: think people who have listened to the show long term
Speaker 3: have probably experienced that evolution. Where I might have had
Speaker 3: some more traditional views about frugality in the past and
Speaker 3: a scarcity mindset, and that has shifted and I have
Speaker 3: fully embraced this more values based spending while not letting
Speaker 3: go of the things and habits and behaviors that have
Speaker 3: benefited me, but letting go of the of the behaviors
Speaker 3: mindsets that have not been good for me. And I
Speaker 3: think hear that in the show and the way that
Speaker 3: I talk. One other thing I think I've realized and
Speaker 3: you helped me with this, Jen, is I partitioned myself
Speaker 3: a lot. I thought that I needed to be social
Speaker 3: worker Jill during the day and fun podcasting Jill in
Speaker 3: the night.
Speaker 1: Or whatever the day, Jill at night.
Speaker 3: It even comes down to I go buy Jillian in
Speaker 3: the professional social work world that I'm in, and Jill.
Speaker 1: On the podcast The Real Secret.
Speaker 3: Now this is the sallet. We're not even to the
Speaker 3: lightning round. I really felt as though these two things
Speaker 3: needed to be separate, and I still fight that sometimes
Speaker 3: because it's probably a vulnerability thing. I want. I want
Speaker 3: to be able to say, oh, yeah, that's just one
Speaker 3: part of me that podcast, so if you listen to that,
Speaker 3: that's not really the full picture of me. And now
Speaker 3: that we're five years in, I'm like, yeah, people probably
Speaker 3: know me pretty well. This is pilently just. But I
Speaker 3: think I felt more and more permission to also be
Speaker 3: blending my mental health background, some of the perspective that
Speaker 3: I have from my day job into the podcast, and
Speaker 3: you really challenge You're like, why do you feel like
Speaker 3: you need to not say that? And I think I
Speaker 3: felt as though I needed to be play the role
Speaker 3: of the person who doesn't know that much about personal finance,
Speaker 3: so that like the listener who also might feel dumb,
Speaker 3: sometimes asking questions can feel seen and take away the shame.
Speaker 3: But then realizing, okay, there are some things that I
Speaker 3: do know and I can talk about that and that
Speaker 3: could benefit people and it can help me feel like
Speaker 3: a more congruent person showing up on the podcast. That
Speaker 3: might be a little bit more meta of an answer,
Speaker 3: but that's been a shift, and I think I've felt
Speaker 3: more freedom and permission to incorporate my whole self on
Speaker 3: the podcast.
Speaker 1: Sometimes it can be uncomfortable shifting identity when you grow
Speaker 1: into something and you've been something else for so long,
Speaker 1: or and not even that it's been publicly labeled, but
Speaker 1: you personally labeled yourself as something, and to give yourself
Speaker 1: the freedom to be who you are now in this
Speaker 1: season is definitely uncomfortable. It's part of that like hard
Speaker 1: work of self discovery when we talk about like finding
Speaker 1: your core values, that's hard work, and that's ongoing work.
Speaker 1: Because of stuff like this, sometimes in a season you
Speaker 1: do adopt a label, for better or for worse. There
Speaker 1: was definitely a lot of benefits in those early episodes
Speaker 1: to you asking the questions that I wouldn't have thought
Speaker 1: to ask or didn't remember that I had those questions.
Speaker 1: And now there's so much more benefit to you being
Speaker 1: like knowing more of the question to ask that other
Speaker 1: people you know would not. So yeah, I guess that's
Speaker 1: there's a second tip to embrace. We have no idea
Speaker 1: what number we're yep, the fifth, I don't know. Just
Speaker 1: take them as they come, take them as they come. Yes,
Speaker 1: all right, So this one kind of plays on the
Speaker 1: last one. Is there any advice you've given on the
Speaker 1: show in the past that you would now change and
Speaker 1: say differently?
Speaker 3: It is?
Speaker 1: I'm sure there is.
Speaker 3: I don't go back and listen. That's right.
Speaker 1: So here's the thing. Audio is so different from blog
Speaker 1: because you can go in and update a blog every
Speaker 1: day and change the words. But when you're posting podcasts
Speaker 1: or YouTube videos, and video is actually the worst because
Speaker 1: YouTube does not allow you to re upload. Even in
Speaker 1: like podcasting, if you say something you regret, you can
Speaker 1: go back in and and either cut that part out
Speaker 1: or re upload audio. YouTube now gives you the opportunity
Speaker 1: to cut little pieces out, but it's very hard, Yeah,
Speaker 1: to update when your views have updated.
Speaker 3: Yeah.
Speaker 1: So, if we've ever said anything on the show that
Speaker 1: has offended you.
Speaker 3: Oh sorry, sometimes sometimes it happens. Yeah, I would just
Speaker 3: say anything that might have played into scarcity mindset. I don't.
Speaker 3: I think from the beginning we were saying we were
Speaker 3: pushing against that, but I gotta imagine that there might
Speaker 3: have been maybe even episodes that were just more focused
Speaker 3: on skimping and scraping over, more of looking for alternatives,
Speaker 3: or just a skimp for the sake of skimping, but
Speaker 3: that more more of that. I think we've.
Speaker 1: Evolved for I would say, yeah, we always were against that,
Speaker 1: but I think we have evolved. Sometimes you know what
Speaker 1: you're against, but you don't know what you're for.
Speaker 3: Yeah, and now.
Speaker 1: We know what we are four. So we are against
Speaker 1: the procrass to spending, so like doing things to feel
Speaker 1: like you're making progress but aren't really making progress, like
Speaker 1: the couponning and the rebate apps and the nickel and
Speaker 1: diming type of saving, versus gaining control self control over
Speaker 1: your discretionary spending and gaining control over impulse spending and
Speaker 1: subscriptions and the mindless spending that we all do. That
Speaker 1: is what we are for, is gaining control over that.
Speaker 1: And we're against making little actions that make you feel
Speaker 1: like you might be doing something but aren't really doing much.
Speaker 3: I guess I would say, don't buy a car on Craigslist.
Speaker 3: That has changed in the last five here. There might
Speaker 3: have been a time five years ago when we might
Speaker 3: have said you could check Craigslist for a used car.
Speaker 3: Now I would say, no, don't do that.
Speaker 1: Yeah. I think I was much more for buy nothing
Speaker 1: groups at the beginning of the podcast. It was obsessed.
Speaker 1: Now I'm not on Facebook punch anymore, and I can
Speaker 1: see like the temptation to just take everything, even things
Speaker 1: you don't need. So I'm much more. Also, I just
Speaker 1: don't have time. I do not have time to babysit
Speaker 1: buy nothing groups.
Speaker 3: We still love them, Yeah, just what our focus has changed,
Speaker 3: and that has to do with debt payoff and other things. Yeah,
Speaker 3: a lot of shifted. Yes, yes, all right, Jen, biggest
Speaker 3: surprise of podcasting.
Speaker 1: I'm going to go deep on this one.
Speaker 3: Okay, I'm gady for it.
Speaker 1: So when I I've always been like a super independent person.
Speaker 1: I am an only child. I moved out when I
Speaker 1: was sixteen, like moved two hours away for college. I've
Speaker 1: always kind of like kind of raised myself. And when
Speaker 1: I started my business, I did it on my own
Speaker 1: with the intention of having a solopreneur kind of business.
Speaker 1: When we started the podcast and we started it as
Speaker 1: like a co hosting thing, at first, I was like,
Speaker 1: I like, don't trust this person to not like ghost me.
Speaker 3: This person being me chill ye Jillian day, chill by night.
Speaker 1: I don't trust Jillian to She's not even like really
Speaker 1: interested in personal finance, like what are we doing? So
Speaker 1: it was a leap of faith. And the biggest surprise
Speaker 1: of this last five years is how much better everything
Speaker 1: I do is with you, Jill. It is. I am
Speaker 1: capable on my own, I can get by, I can
Speaker 1: do good work, people praise me on it. But when
Speaker 1: I whatever I do in the podcast with you, it
Speaker 1: like takes off. It's so good, like undeniably good. And
Speaker 1: that was the most surprising thing for me was that,
Speaker 1: like it's kind of like that phrase you can go
Speaker 1: fast alone, but further together.
Speaker 3: I was trying to think about that this morning. I
Speaker 3: was like, yeah, is that saying.
Speaker 1: That has proven to be like like I can't. It's
Speaker 1: so true, it's not just a saying and so now
Speaker 1: and it's also huge burden lifted too, because emotionally to
Speaker 1: do everything by yourself is pretty heavy. But knowing that
Speaker 1: I can place some of the burden on you, which
Speaker 1: I wouldn't have given myself permission to do before because
Speaker 1: I felt like I had to carry the weight of
Speaker 1: a full business, knowing that that's not only like acceptable,
Speaker 1: but it's better. It makes things better. That has been
Speaker 1: the biggest surprise.
Speaker 3: You've said it before, but it still just gets me
Speaker 3: in my heart, and I love you so much. I'm
Speaker 3: just such a good friend and business partner. I think similarly,
Speaker 3: there's a lot of shockers for me. I think one
Speaker 3: of the biggest is that we're still doing it right.
Speaker 1: That's a second surprise, so surprising.
Speaker 3: Yeah, from what I would have thought, I'm not surprised now,
Speaker 3: like from a week ago. Yes, this makes sense, but
Speaker 3: looking back five years ago, if you would have said
Speaker 3: you're still going to be doing it, oh wow, that's
Speaker 3: gnarly to me. So but I think that then is
Speaker 3: the testament to what you're describing. Only now, I'll say
Speaker 3: it from my perspective, is how enjoyable this is. People
Speaker 3: will ask me, mostly friends, how long do you think
Speaker 3: you guys can keep going? Are you still how's the
Speaker 3: podcast going? You still enjoy it? How do you come
Speaker 3: up with content? That's a big one. Everyone wants to
Speaker 3: know how we come up with content? And I just say,
Speaker 3: gen does that? Don't look at me. I just get
Speaker 3: on the mic, but I my continual answer is true
Speaker 3: to this day, it has never felt like an obligation.
Speaker 3: I jet, I say, it's just a reason to talk
Speaker 3: with a friend, And I said, you have become one
Speaker 3: of my greatest friends simply because we've got something uniting
Speaker 3: us that we get to talk about that often leads
Speaker 3: to even more vulnerable conversation off the mic and learning
Speaker 3: together and encouraging one another and seeing how we truly
Speaker 3: benefit each other. That Likewise, for Ugen, there are things
Speaker 3: that I now know, decisions I've made for my life.
Speaker 3: I mean, we moved down here, we moved to Florida
Speaker 3: from Philadelphia, and I can't say that was just because
Speaker 3: of Eugen. I don't want to put that pressure on you.
Speaker 3: But this business, this podcast you is a big reason
Speaker 3: for that. It was definitely on the if you were
Speaker 3: to have googled Jill's top Reasons or maybe to Florida,
Speaker 3: you definitely would have been in the like C forty
Speaker 3: two more. Yes, Yeah, I think that's surprising, how how
Speaker 3: much I have enjoyed it and cantinue to enjoy it,
Speaker 3: how much it's not an obligation, how much I've gained
Speaker 3: from it, and this friendship that we've People have listened
Speaker 3: to us build our friendship.
Speaker 1: Yes you have. If you've been with us from the beginning,
Speaker 1: you have. You've literally heard us become better friends. Like
Speaker 1: we were we started the show. We were friends, but
Speaker 1: we were like a couple friends. Like we would never
Speaker 1: hang out just the two of us.
Speaker 3: Because I lived in a different stage. Yeah, we started
Speaker 3: the podcast. We until two years ago. We this podcast
Speaker 3: was always remote. Jen and I just zoom in each
Speaker 3: other from other states.
Speaker 1: Yeah, and but we wouldn't even like text each other.
Speaker 1: It was always like a group text the four of us,
Speaker 1: and the four of us would always hang out. And
Speaker 1: you have the you know, as you've listened to the show,
Speaker 1: have listened to Jill and I like become really really
Speaker 1: close friends.
Speaker 3: And now I am the person who's throwing your baby shower.
Speaker 3: If you want to know how close of friends Jen
Speaker 3: and I are, Like she asked him throw it, Yeah
Speaker 3: I did. I I wasn't gonna have one, and she
Speaker 3: said that's unacceptable. Oh oh that was that was refreshing.
Speaker 1: I love that. Okay, next one.
Speaker 3: We don't have too many more.
Speaker 1: Yeah, it's just two more. Tell us about a time,
Speaker 1: y'all laughed so hard you couldn't stop.
Speaker 3: Do you have one?
Speaker 1: No, Well, I think it's so we would never the
Speaker 1: type of laughing I'm thinking we would never do on
Speaker 1: the show because that's annoying to hear, right, Like we laugh,
Speaker 1: but it's like a you know, like a second and
Speaker 1: then Christian's like, okay, bye, you know, like there would
Speaker 1: you would never hear us the way we belly laughed together.
Speaker 1: You could you We wouldn't subject you to that on
Speaker 1: the show.
Speaker 3: No, But there's been so many times. I can't think
Speaker 3: of a specific thing that I could tell you here's
Speaker 3: what made me laugh so hard, But I will describe
Speaker 3: to you that Jen does this thing where she drops
Speaker 3: gold out of her mouth using words. The gold are
Speaker 3: the words that she says. She's so quick witted, and
Speaker 3: then pairs that with stoneface. You've got this face where
Speaker 3: you drop gold and it's just blank and it gets
Speaker 3: me so hard. If ever, I am laughing very And
Speaker 3: there have been times on the podcast where I have
Speaker 3: to pull away from the mic. You keep talking, or
Speaker 3: it's like when we're interviewing someone and I pull away
Speaker 3: and I'm gone and Jen just has to keep going
Speaker 3: with the show. That's an example of what gets me. Again.
Speaker 3: Who knows what she might have said, but it's mostly
Speaker 3: the delivery, the quick wit that just like shocks me,
Speaker 3: and then the stone face. It's a great combo. This
Speaker 3: is why I think we have to do video, because
Speaker 3: people need to experience it.
Speaker 1: Yeah, I think it's my spiritual gift. But I can't
Speaker 1: tell you where it comes from. I just think of them, yeah,
Speaker 1: and I say them and sometimes sometimes like you appreciate them,
Speaker 1: but not every crowd appreciates them, right, But I say
Speaker 1: them anyway.
Speaker 3: And that's mostly what also gets me is oftentimes it's
Speaker 3: something that is relatively inaudible. So then that's what makes
Speaker 3: it really funny too, because no one else heard it,
Speaker 3: no one else is watching, and you're just there.
Speaker 1: I don't do it for other people.
Speaker 3: I do it for me, and I just get to
Speaker 3: catch it. Yeah.
Speaker 1: I think we laugh, like we'll wrap up an episode
Speaker 1: and sometimes we'll just start belly laughing from something that
Speaker 1: we did you know, said on the after show or
Speaker 1: something like we it in for too long, like earlier
Speaker 1: in the episode, like and sometimes it does take us
Speaker 1: a while to get started to record an episode because
Speaker 1: we are talking and laughing.
Speaker 3: One of the recent episodes was funny what was the
Speaker 3: Monkey in the Bed? We kept laughing really hard after
Speaker 3: that one after show that when we wrapped.
Speaker 1: Yeah, then we continued to laugh about Jill mixing up
Speaker 1: five monkeys on the bed and the monkey's rolling off
Speaker 1: the bed.
Speaker 3: I'll give you one more example of something Jen did,
Speaker 3: because otherwise this might just be sounding like a mate
Speaker 3: of honor speech where no one else gets it. But
Speaker 3: we had a four It was our four year, two
Speaker 3: million downloads deal with iHeart party at my house last April,
Speaker 3: and Jen was not pregnant at the time, and we
Speaker 3: had that just a few mixt rinks that were based
Speaker 3: off of the names of different parts of the podcast
Speaker 3: episode odes and we had a photo wall with fake money,
Speaker 3: and Jen at one point thought everyone else was on
Speaker 3: the same page with her and just got down on
Speaker 3: the ground and did snow Angels in the money, thinking
Speaker 3: others were going to join her, and no one else did,
Speaker 3: And that made me laugh really hard. See where you're
Speaker 3: walking on that.
Speaker 1: One is that I didn't think other people were going.
Speaker 1: I didn't care that I knew everyone else was not
Speaker 1: on my level, and I did it anyway. Yeah, and
Speaker 1: so that is the only caveat I have too. I
Speaker 1: did vibe in several drinks and then made snow angels
Speaker 1: in the fake money. So who wouldn't ye, who wouldn't
Speaker 1: you know?
Speaker 3: Okay, next question, Jen, what podcasts do you listen to?
Speaker 1: I love a good cult podcast. You know, me very
Speaker 1: into cults, I think, so we always I always say
Speaker 1: what audiobooks I'm listening to when we do our book
Speaker 1: club episode. But for podcasts right now, Smokescreen so they
Speaker 1: have like five different seasons out and every season is
Speaker 1: a different crime. I am always into Wait, wait, don't
Speaker 1: tell me, Bill Curtis, hit me up, give me a
Speaker 1: bill of a week and I So I'm not listening
Speaker 1: to a lot of personal finance podcasts right now, but
Speaker 1: I feel like this would be the time to name
Speaker 1: some of my favorite people who have personal finance podcasts.
Speaker 1: So we've got Alison Baggerley Inspired Inspired Budget podcast. I
Speaker 1: think she is one of the best interviewees you can
Speaker 1: get on your show, and she is an equally good interviewer.
Speaker 1: She's a fantastic person. I love her and she's been
Speaker 1: so supportive of us over the years. And she is
Speaker 1: also one of my close friends, Andy Hill, marriage, kids
Speaker 1: in Money. He is also a fantastic person. I'm really
Speaker 1: basing these on the character of the hosts because I
Speaker 1: feel like that's the most important. I don't care if
Speaker 1: they have a good podcast. If the host isn't good,
Speaker 1: isn't a good person, I won't talk about the podcast.
Speaker 1: Already talked about Optimal Finance Daily. Dana narrates that one
Speaker 1: let's see who else who am I forgetting out Rich
Speaker 1: Jones the Mental Wealth Show, Rich fantastic phenomenal person, Stacking
Speaker 1: Benjamin's Joe Selsea High one of our mentors, fantastic human being.
Speaker 3: You could just like binge our guest list and listen
Speaker 3: to any of their podcasts. We only have dimes on
Speaker 3: this show.
Speaker 1: Absolutely don't. We do not bring people onto the show
Speaker 1: or share our platform with people who we don't think,
Speaker 1: like exemplify like Rising Tide lifts all boats mentality in
Speaker 1: their personal life, like we don't. The professional life is
Speaker 1: the last thing. Then what they're saying in their business
Speaker 1: is the last thing we look at. The first thing
Speaker 1: we look at is who they are as people.
Speaker 3: Yeah, so I'll.
Speaker 1: Just say that at least and then but it may
Speaker 1: come out later that they were not good people, but
Speaker 1: we didn't know that. We didn't know. We didn't know
Speaker 1: that at the time. So you decide, yeah, you decide,
Speaker 1: don't go too far back in the our gives.
Speaker 3: Okay, So for me, okay, And here's another salacious bit
Speaker 3: is that I am not really a podcast listener. And
Speaker 3: I realize that is maybe an offensive thing to say
Speaker 3: in and of itself, because we've got podcast listeners who
Speaker 3: listen to our podcast and I don't really listen to
Speaker 3: that many podcasts. I listen to music.
Speaker 1: But sometimes you shouldn't do what you do because then
Speaker 1: you like imitate it too much.
Speaker 3: Okay, maybe that the podcasts that I listen to are
Speaker 3: very separate, So I take that tip across the board
Speaker 3: to do things separate from.
Speaker 1: What you do.
Speaker 3: I really don't hardly ever listen to personal finance podcasts
Speaker 3: unless I'm being interviewed or we're interviewing someone on the show.
Speaker 3: I do like to listen to a couple so I
Speaker 3: can kind of get the flavor and be helpful. I
Speaker 3: want to be helpful. But during the renovation process, we
Speaker 3: listen to a lot of SmartLess, which is that will
Speaker 3: our net Jason Bateman I've heard that's really good. Oh gosh,
Speaker 3: there's not enough like Sean Hayes.
Speaker 1: There's not enough like Group Murder or yeah, you know,
Speaker 1: that's just a fun one because sometimes when I'm just
Speaker 1: in the throw of painting, talking wood filling standing, there's
Speaker 1: only so much.
Speaker 3: Music that can get you through. And it's just a
Speaker 3: fun one. It's funny, I will say. Once I got
Speaker 3: about ten episodes in, I realized it's just a lot
Speaker 3: of rich celebrities talking about rich celebrity life. But it's fun. Yeah.
Speaker 3: And then the other one that I will listen to
Speaker 3: is The Place We Find Ourselves, which is put out
Speaker 3: by Adam Young. He not a massive podcast but really
Speaker 3: really great, much more the mental health field and helping
Speaker 3: people to dissect really the place we find ourselves, the
Speaker 3: place you find ourselves? Where have you come from, where
Speaker 3: you're going? So more mental health world.
Speaker 1: I'll also say the Imperative Entertainment Network, their true crime
Speaker 1: podcasts have been getting me through. See, like I listened
Speaker 1: to cult and true crime, that's what I listen to.
Speaker 1: I also don't listen to personal finance podcasts, So I
Speaker 1: think that is an aid to us, because then we
Speaker 1: are we don't know what we're doing is wrong or right.
Speaker 1: We just do it. We just do It's always been
Speaker 1: in our strength. And that's our eighteenth tip to you
Speaker 1: is to don't be so obsessed with recreating other people's success.
Speaker 1: Just find your own.
Speaker 3: Ooh, do you know what I'm obsessed with recreating every week?
Speaker 3: And I love listening.
Speaker 1: Yeah.
Speaker 3: I will listen to this all day.
Speaker 1: And you can steal you can steal this from us.
Speaker 3: The bill of the week.
Speaker 2: That's right, it's time for the best minute of your
Speaker 2: entire week. Maybe a baby was born and his name
Speaker 2: is Williams. Maybe you've paid off your mortgage. Maybe your
Speaker 2: car dies and you're happy to not have to pay
Speaker 2: that bill anymore. Tuft bills, Buffalo bills, Bill Clinton, This
Speaker 2: is the bill of the week.
Speaker 3: Hey, Jen and Jill.
Speaker 4: It's Lisa from Georgia. I just finished your HUGA episode
Speaker 4: and wanted to say thank you so much. My bill
Speaker 4: of the week is my birthday Disney cruise. I've saved
Speaker 4: up for what feels like years, and it was finally done,
Speaker 4: saving five months ahead of schedule. But I'm experiencing guilt
Speaker 4: about all the practical things I should really be using
Speaker 4: my saved up money for instead. At the end of
Speaker 4: the Hugah episode, you address my concern and now I'm
Speaker 4: even more excited to go relax on my birthday cruise.
Speaker 4: So thank you so much. I'm so glad to be
Speaker 4: done with this magical Bill of the week.
Speaker 3: It's oh, it's magic, you know.
Speaker 1: Okay, that's all I can say, Lisa. It is my
Speaker 1: dream to take a Disney cruise. I am so happy
Speaker 1: for you. I'm so excited for you, and I'm so
Speaker 1: pleased that we've gotten a lot of emails and messages
Speaker 1: about the Hooga episode. It has been a very highly
Speaker 1: downloaded episode, and so I'm so glad so many people
Speaker 1: are getting Like essentially, the gist is to like embrace
Speaker 1: the season that you're in, don't fight against it. And
Speaker 1: that can come with saving. Like how we can feel
Speaker 1: you can save for something and then feel guilt about
Speaker 1: spending what you've saved for because of the quote unquote
Speaker 1: practical things you should be doing with your money. But no,
Speaker 1: embrace the season.
Speaker 3: Yeah, you're not impulsively spending that you have identified this
Speaker 3: is something that I can do and afford and not
Speaker 3: go into debt for. And what a beautiful way to
Speaker 3: celebrate your birthday and how magical. Like you've said, Oh, you're.
Speaker 1: Gonna have so much. I mean you've probably already been
Speaker 1: on it when you hear this. Oh my gosh, I
Speaker 1: love watching my Disney flow and instagrammers. That's something I've
Speaker 1: not looked into too much.
Speaker 3: That would be really fun. I'd love to hear how
Speaker 3: that went.
Speaker 1: Yes, people go like as adults without kids or with kids.
Speaker 1: It's like the best. And I just I can't wait
Speaker 1: to go on a Disney cruise one day. I can't wait.
Speaker 3: And you've inspired us, Lisa.
Speaker 1: Please, I'm so happy and that's why we do this.
Speaker 3: Yeah, it's high like you and inspire us. Well done, Lisa.
Speaker 3: If you all listening, have a bill that you want
Speaker 3: to submit, If it's about an inspirational thing you gleaned
Speaker 3: from an episode that really gave you the permission to
Speaker 3: do with your money what you've intended to do with it,
Speaker 3: or again, you're just you are a bill. You don't
Speaker 3: have to be more than a bill to call us
Speaker 3: for Fast podcast dot com slash bill. Leave us your
Speaker 3: bill and now it's time for loved.
Speaker 1: All right, last question.
Speaker 3: If you can does this all come from Goldie.
Speaker 1: Yes, this one is from Goldie.
Speaker 3: Hey Goldie, if you could.
Speaker 1: Go back when you were first starting out as frugal friends,
Speaker 1: what would you do differently?
Speaker 3: Move to Florida sooner? It is straight away.
Speaker 1: I will never forget when I first met you and
Speaker 1: you were living in that yes not ve hicicle, and
Speaker 1: we were hanging out at the KOA, and you were like,
Speaker 1: I'm going to start my master's but Florida is the
Speaker 1: only state I can't move too. Yeah, I did say.
Speaker 1: I would say, well, that's dumb. You should forget your
Speaker 1: life plans and move here instead.
Speaker 3: And look at me now. I figured out a way
Speaker 3: where there's a will, there's a way, where there's a bill,
Speaker 3: there's a way. And I got my masters in Pennsylvania,
Speaker 3: but didn't get my license till I moved down here.
Speaker 3: That's where there's not reciprocity.
Speaker 1: There you go.
Speaker 3: So I was able to get my licensure in Florida,
Speaker 3: and it does actually set me up better to be
Speaker 3: able to move to any other state. But never never
Speaker 3: will I jen I'm here and I'm here for good.
Speaker 3: I believe that's a that's something that I would say
Speaker 3: just for me personally. I wish they would have moved
Speaker 3: to Florida. So now I don't know what was holding
Speaker 3: me back, but I think also for frugal friends. And
Speaker 3: I do think that whether consciously or subconsciously, it's one
Speaker 3: of the things that shifted us moving here. I think
Speaker 3: shifted both of our mindsets to Okay, this is the
Speaker 3: real deal. Let's see what we can make of this,
Speaker 3: versus we did it. We did it for three years
Speaker 3: in different states. But I don't think until we were
Speaker 3: next to each other, literally ten fifteen minutes down the
Speaker 3: road from one another, that it's like this could really
Speaker 3: work for both of us to give this even more
Speaker 3: of our time, energy and effort. And I'm so glad
Speaker 3: that we did it well.
Speaker 1: When you wintered in my backyard, yeah, and your trailer,
Speaker 1: I think is when we got a taste of like
Speaker 1: what it could be like. Yeah, if you were here.
Speaker 3: We started the pandemic together.
Speaker 1: We did, We did, and it was fantastic. We went
Speaker 1: to Disney together the week before it shut down.
Speaker 3: I mean we didn't know, we didn't.
Speaker 1: So I would agree with you that should be your answer.
Speaker 3: What about for you, Jen?
Speaker 1: So for me, I think I would have embraced it
Speaker 1: like see it for what it was, what it is.
Speaker 1: Sooner I knew like I was doing okay with modern frugality,
Speaker 1: which was like my business that was just me. It's
Speaker 1: still my Instagram handle because Jen Smith is taken.
Speaker 3: You should still follow her. She does post some really
Speaker 3: funny stuff.
Speaker 1: Yeah sometimes, Uh So I was holding onto that I
Speaker 1: was making do I was slowly building, but it all
Speaker 1: felt like I was pushing through to be successful and
Speaker 1: everything with the podcast, we weren't trying at all, and
Speaker 1: it was just like taking off. And but it took
Speaker 1: me a while to get to the place where I
Speaker 1: would go all in on the podcast because I had
Speaker 1: this scarcity mindset. I was like, I can barely live
Speaker 1: on you know what I'm making now, which is silly
Speaker 1: because like we've always lived on one income, which is Travis's.
Speaker 1: But I felt guilty. I do feel guilty when I
Speaker 1: don't contribute to the family finances, and that's an internal
Speaker 1: thing for me because that's not required of me. So
Speaker 1: I was like, I don't think I can afford to
Speaker 1: just like take fifty percent pay cut on a podcast
Speaker 1: that's making three dollars an hour, and so that at
Speaker 1: the time, like we were just growing so fast, but
Speaker 1: we were having trouble monetizing because we weren't putting in
Speaker 1: effort or we didn't have effort time to put in.
Speaker 1: When I was I was like, you know what, I
Speaker 1: need to simplify. I had a slight mental breakdown, very slight,
Speaker 1: and realized I needed to pick one or I needed
Speaker 1: to pick one of something like I was doing Instagram, TikTok,
Speaker 1: YouTube podcast, blog, like I literally did everything. Yeah, and
Speaker 1: I needed to pick one thing, and now's where and
Speaker 1: I was saying it. I was saying it then and
Speaker 1: I wasn't following it. And when I picked one thing,
Speaker 1: not only did I have the energy to monetize the show,
Speaker 1: the show grew faster and we were able to see
Speaker 1: the opportunity with iHeart that I would not have been
Speaker 1: looking for thinking about had I not been all in.
Speaker 3: Yeah, if if nothing else, I think what we are
Speaker 3: aiming at and encouraging others towards is exactly what we're
Speaker 3: saying throughout this whole episode of focusing on one thing,
Speaker 3: finding freedom and permission, being curious, getting community around you
Speaker 3: to support in whatever it is that you're aimed at.
Speaker 3: I think all of this is woven through what we've
Speaker 3: just said, what we've learned, what we've implemented, what we've
Speaker 3: grown in, and what we would say to others is
Speaker 3: a really decent aim even if your exact journey or
Speaker 3: story doesn't look like ours. These are the tenants that
Speaker 3: are so helpful on this personal and finance journey.
Speaker 1: Yes, and those are our forty two tips for starting
Speaker 1: a podcast. So if you need a breakdown of those,
Speaker 1: transcribe the episode. I don't know what to tell you.
Speaker 1: They're in there. All forty two.
Speaker 3: Are embedded in there. Yes, Yes, thank you everyone for listening.
Speaker 3: We know you're a true fan. If you cueued this
Speaker 3: one up. You're not just coming at this only for
Speaker 3: the tips. You were coming at this just to learn
Speaker 3: more behind the scenes, and we're so glad you're here
Speaker 3: if you want to know more about more behind the
Speaker 3: scenes stuff and other community things. We've got that membership
Speaker 3: we've been talking about. Other fellow Frugal Friend listeners are
Speaker 3: already in there, paying off debt, getting at other financial goals.
Speaker 3: We've got monthly money challenges, accountability groups. Again, that community
Speaker 3: piece that is so important, and we want to congratulate
Speaker 3: one of our members for a big win. This comes
Speaker 3: from Andrea, who shares. Within the first twenty four hours
Speaker 3: of joining, literally, I found two websites suggested in here
Speaker 3: that I'd never heard of to sell clothes Poshmark and Swap.
Speaker 3: I live in Australia, so I had to find more
Speaker 3: local versions, so both of those versions do exist in Australia.
Speaker 3: I had a box of clothes I knew I wanted
Speaker 3: to try and set, and another couple of boxes in
Speaker 3: the trunk to take to my local op shop. Looking
Speaker 3: up what brands these websites sold. I dragged the boxes
Speaker 3: back into the house and took out specific brands and
Speaker 3: have an even bigger pile to sell my plan. With
Speaker 3: the money I make, put it towards my emergency fund,
Speaker 3: Smiley Face. The website slash apps are also so much
Speaker 3: better than Facebook Marketplace. I hate Facebook, which was one
Speaker 3: of the deciding factors in me joining this club. Amazing, Andrea,
Speaker 3: We're so glad that just after popping into the membership
Speaker 3: in the first twenty four hours you found tips from
Speaker 3: other community members. And that's the beauty of it. It's
Speaker 3: not just Jen and I in there, it's the other
Speaker 3: community members who are sharing, who are like real about
Speaker 3: their goals and debt payoff and sharing wins and there's
Speaker 3: so much motivation and more.
Speaker 1: If you thought there's too much of us in this episode,
Speaker 1: check out the Frugal Friends Club because that's where all
Speaker 1: the listeners who are getting the helpful tips and giving
Speaker 1: the helpful tips are hanging out and they're like, whatever,
Speaker 1: Jen and Jill, thanks for bringing us together, but we
Speaker 1: don't need you anymore. That's just kidding, but we are
Speaker 1: in there.
Speaker 3: Yes, but truly thanks for also listening. If you want
Speaker 3: to check out this membership where we've got the courses
Speaker 3: and the interviews and the challenges, and then, just like
Speaker 3: other Frugal Friends listeners, head to Frugal Friends podcast dot
Speaker 3: com slash club get it, chick it, see you next time.
Speaker 1: Frugal Friends is produced by Eric Sirianni.
Speaker 3: I remembered something that actually made us both belly laugh
Speaker 3: the very first time we engaged with it, and since
Speaker 3: then ken still elicit quite a laugh and it's a
Speaker 3: meme that we should probably get into our show notes. Yeah, guy, yes,
Speaker 3: I know who's looking vehicle?
Speaker 1: Okay, explain it with words.
Speaker 3: Okay, So there's two people. One of them's checking out
Speaker 3: a car, and one of them is a car salesman,
Speaker 3: and the guy who's checking out the car says, cargo space,
Speaker 3: and the salesman question mark, like is their cargo space
Speaker 3: like cargo space, and the salesman says car, no go space,
Speaker 3: no go there, cargo road, gorgo road. And maybe it
Speaker 3: still sounds like we are delivering a Maid of Honor
Speaker 3: speech with a joke that no one really finds that funny.
Speaker 3: But I kid you not, we laid eyes on that
Speaker 3: beauty and we could not stop.
Speaker 1: I still can't stop, like t get till I still
Speaker 1: say it all the time whenever I see a car.
Speaker 1: And when we were shopping for cars, it was uncontrollable
Speaker 1: and it was so annoying to whoever was not Travis
Speaker 1: and me, Oh my.
Speaker 3: Gosh, cargoes, cargo road, cargo space, cargo road. We'll get
Speaker 3: you the meme. I mean, we've described it flawlessly. Yeah,
Speaker 3: it's a great meme.
Speaker 1: You should have it. Yeah, you should.
Speaker 3: Okay,