WEBVTT - Friday Flight - The SAVE Seesaw, Brand Warmth, & Money Avoidance #849 0:00:00.080 --> 0:00:03.400 Welcome to had a Money. I'm Joel and I am Matt. 0:00:03.440 --> 0:00:06.920 Today we're talking about the Save Seesaw brand, warmth and 0:00:07.000 --> 0:00:07.840 money avoidance. 0:00:26.960 --> 0:00:30.720 Happy Friday, everybody, it's the Is there a name for 0:00:30.800 --> 0:00:33.200 the day after the fourth of July? Joel? Other than 0:00:33.640 --> 0:00:38.800 the fifth? There's no How do you say July in Spanish? 0:00:38.840 --> 0:00:41.080 You took Spanish, I should know that June is like 0:00:41.159 --> 0:00:42.280 junior July. 0:00:42.720 --> 0:00:43.519 I should know that too. 0:00:43.520 --> 0:00:46.520 Wholio, who is really? I think so nice? 0:00:46.560 --> 0:00:49.880 Guess, but I feel like it's the slowest day. 0:00:49.920 --> 0:00:52.280 It's like it's the slowest day of like the entire summer, 0:00:52.560 --> 0:00:54.760 because it's the day after the fourth. A lot of 0:00:54.760 --> 0:00:56.840 folks have flex Fridays anyway, where they're kind of like, 0:00:56.880 --> 0:00:58.720 all right, we're gonna dip out of town earlier for vacation. 0:00:58.920 --> 0:01:00.120 There's like nothing getting done. 0:01:00.000 --> 0:01:04.920 Today and celebration hangover and we. 0:01:04.880 --> 0:01:07.920 Ran our or you in your first ten k. So 0:01:08.080 --> 0:01:11.600 congrats to everybody who completed the peach tree. A lot 0:01:11.600 --> 0:01:13.280 of people running some prs. 0:01:13.680 --> 0:01:15.840 Heck yeah, fourth Joly, it's like a big and running. 0:01:15.840 --> 0:01:18.000 Apparently he was back in vogue. I didn't realize this 0:01:18.120 --> 0:01:18.880 is becoming a thing again. 0:01:18.880 --> 0:01:20.040 It's a new thing called yogging. 0:01:21.040 --> 0:01:22.880 It's like it feels like it's nineteen eightyes, Portland, but 0:01:22.920 --> 0:01:25.520 all across the United States. Yeah, so we've got a 0:01:25.560 --> 0:01:26.560 lot to get to on this episode. 0:01:26.600 --> 0:01:27.320 Spontane Era. 0:01:27.400 --> 0:01:30.000 That's right, you're growing your prefontein stash right now. 0:01:30.080 --> 0:01:32.440 Oh yeah. I wonder if that's the inspiration behind me 0:01:32.480 --> 0:01:34.800 when I did as a joke. Yeah, but it's kind 0:01:34.800 --> 0:01:36.520 of sticking around a little bit, all right. 0:01:36.680 --> 0:01:38.640 I keep it around me. I like it. I think 0:01:38.880 --> 0:01:42.319 mustaches are sophisticated. Uh oh, real quick, Matt. We just 0:01:42.360 --> 0:01:44.880 got back from vacation too, and you took a week 0:01:44.880 --> 0:01:46.920 off in Michigan. I took a week, took the family 0:01:46.959 --> 0:01:49.400 down to Tybee Island, just outside of Savannah, and I 0:01:49.480 --> 0:01:51.960 ended up going to a Savannah Bananas game. Thanks to 0:01:52.240 --> 0:01:54.880 listener Gary, who's been emailing us for years. 0:01:54.880 --> 0:01:55.280 He stayed in. 0:01:55.320 --> 0:01:57.200 Contact and he was like, Hey, if you ever want 0:01:57.200 --> 0:01:58.840 to go to a Banana's game, let me know. And 0:01:58.920 --> 0:02:00.960 I never want to go to Brads game again now 0:02:01.080 --> 0:02:04.200 because banana ball is so much more fun than traditional baseball. 0:02:04.280 --> 0:02:05.960 So this is why I need to make sure that 0:02:06.000 --> 0:02:08.079 the first baseball game I take the kids too is 0:02:08.120 --> 0:02:10.280 an actual baseball game, because once she get yeah, I've 0:02:10.280 --> 0:02:12.760 heard that about the Savannah Bananas. Once you go there, 0:02:12.800 --> 0:02:14.600 the kids are never going to want to actually go 0:02:14.680 --> 0:02:17.760 to a real, boring MLB baseball game. 0:02:18.120 --> 0:02:20.200 And basically, did you reach out to him proactively? 0:02:20.360 --> 0:02:20.560 Yeah? 0:02:20.560 --> 0:02:22.919 I was like, oh, yeah, Well, he had told me, 0:02:22.960 --> 0:02:24.120 if you're ever in town, you want to go to 0:02:24.200 --> 0:02:25.680 Banana's game, let me know, just give me heads up. 0:02:25.680 --> 0:02:27.280 So I gave him like a month or two heads up, 0:02:27.520 --> 0:02:27.840 and he was. 0:02:27.840 --> 0:02:29.400 Like, great, I want to go to a Banana's game. 0:02:29.240 --> 0:02:31.560 Because apparently they're like almost impossible to get those tickets. 0:02:31.639 --> 0:02:33.680 Yeah, I was talking to my brother in law sister 0:02:33.680 --> 0:02:35.440 in law. They lived near Savannah. 0:02:35.480 --> 0:02:36.480 You want to go like gary A. 0:02:37.360 --> 0:02:39.400 Evidently folks buying like a year in advance, Like they 0:02:39.480 --> 0:02:41.240 hit and then everyone pounces on them. 0:02:41.320 --> 0:02:44.880 And it's an atmosphere, it's a vibe and it's worth 0:02:44.960 --> 0:02:47.239 checking out for sure. And Major League Baseball? 0:02:47.240 --> 0:02:49.080 Is that where you got the Justin Bieber song stuck 0:02:49.080 --> 0:02:51.359 in your head? That it was they're playing music the 0:02:51.360 --> 0:02:54.239 whole time you mentioned that, I'm like, what Justin Bieber song? 0:02:54.280 --> 0:02:55.680 And you're like, you know you hear about it when 0:02:55.680 --> 0:02:58.040 you're just out and about. I'm like, no, no, there 0:02:58.120 --> 0:02:58.480 was so. 0:02:58.360 --> 0:03:00.520 Many songs I listened to that night that I was like, oh, 0:03:00.560 --> 0:03:02.520 I remember this. I've heard this before. But I'm so 0:03:02.720 --> 0:03:04.680 out of don't know what's going on with popular music, 0:03:04.919 --> 0:03:07.520 but Savannah bananas. Major League Baseball could stand to learn 0:03:07.560 --> 0:03:09.880 a lot because it's there's such a chasm, such a 0:03:09.919 --> 0:03:12.680 gap between the player and the fan, and they just 0:03:13.000 --> 0:03:15.480 they don't there is none of that exists in banana ball. 0:03:15.520 --> 0:03:15.680 There. 0:03:15.919 --> 0:03:18.760 Players are in the stands, they're outside signing autographs at 0:03:18.760 --> 0:03:20.280 the end of the game, and I'm like, it's just 0:03:20.320 --> 0:03:22.120 torn down that wall. Yeah, it's way more fun. 0:03:22.160 --> 0:03:24.440 Well, I will say that they I mean was it? 0:03:24.520 --> 0:03:27.440 Last year was the first season that they instituted the 0:03:28.320 --> 0:03:31.640 pitch clock, shot clock, the pitch clock plus the larger 0:03:31.680 --> 0:03:34.760 bases to allow for more stolen bases, and that alone 0:03:35.360 --> 0:03:38.040 significantly decreased the length of a game. Yea, so well, 0:03:38.080 --> 0:03:40.360 banana ball it's two hours. Platt like you, no matter what, 0:03:40.440 --> 0:03:42.440 don't go past two hours. Really, Yeah, so they just 0:03:42.440 --> 0:03:44.400 stop it. They stop it. Oh, I didn't know that. 0:03:44.840 --> 0:03:46.560 So that's kind of cool too. You know, when you're 0:03:46.600 --> 0:03:47.960 getting out of there, you start at seven. You're done 0:03:47.960 --> 0:03:49.840 at nine. Stick around for an autograph if you want, 0:03:49.840 --> 0:03:53.160 then you peace out. So it's delightful, all right, But 0:03:53.520 --> 0:03:55.600 we digress. We're glad to be back, glad to be 0:03:55.600 --> 0:03:58.320 talking about money again. And let's get to the saving 0:03:58.360 --> 0:04:00.320 of stories we found interesting this week how they pertained 0:04:00.320 --> 0:04:02.960 to your personal finances. We have to start off talking 0:04:03.040 --> 0:04:06.840 about student loans. Student loan forgiveness, of course, as everyone knows, 0:04:07.160 --> 0:04:09.240 was a bust. It was shut down by the Supreme Court, 0:04:09.840 --> 0:04:11.720 much to the stratgrin of the Biden administration. And then 0:04:11.720 --> 0:04:14.960 the Safe Plan was another attempt by the President and 0:04:14.960 --> 0:04:17.760 the Department of Education to at least reduce the burden 0:04:17.880 --> 0:04:20.800 of student loan payments by lowering payments for the vast 0:04:20.800 --> 0:04:24.760 majority of people, some people down to zero dollar payments, 0:04:24.960 --> 0:04:29.479 while also shortening that forgiveness timeline. Well, just as it 0:04:29.520 --> 0:04:31.880 was about to be fully implemented, the legal rug was 0:04:31.960 --> 0:04:33.599 kind of sort of pulled out from under the Save 0:04:33.680 --> 0:04:37.560 Plan as well. Eighteen states have sued over the President's 0:04:37.960 --> 0:04:40.360 lack of authority essentially to push through a generous plan 0:04:40.640 --> 0:04:43.040 like this without the aid of Congress, without any sort 0:04:43.040 --> 0:04:46.800 of congressional approval, making a law and it is kind 0:04:46.839 --> 0:04:47.640 of tenuous. 0:04:47.640 --> 0:04:47.880 Matt. 0:04:47.880 --> 0:04:51.520 I guess the Save Plan it's legal standing because it 0:04:51.560 --> 0:04:56.640 didn't originate from Congress or from legislation, and so I 0:04:56.680 --> 0:04:58.760 think the main beef, it seems like, in these lawsuits 0:04:59.080 --> 0:05:02.560 is with the accelerat forgiveness timeline. And so multiple judges 0:05:02.600 --> 0:05:05.400 agreed with that petition by the States and they put 0:05:05.400 --> 0:05:07.279 at least part of the Safe Plan on ice for 0:05:07.320 --> 0:05:10.280 the time being, and then and then on Sunday, another 0:05:10.320 --> 0:05:12.919 court ruled that this save Plan can move ahead. So 0:05:12.960 --> 0:05:15.640 which constructed. Yeah, it feels like whiplash. And I know 0:05:15.680 --> 0:05:18.520 anybody out there with student loans, especially since July was 0:05:18.560 --> 0:05:20.120 going to be the month and still is going to 0:05:20.120 --> 0:05:22.120 be the month. Now the payments take on this new 0:05:22.440 --> 0:05:25.919 lower form. Exciting news for those folks this past Sunday 0:05:26.440 --> 0:05:29.480 because now they're they're going to be able to experience 0:05:29.520 --> 0:05:31.400 those lower payments at least for the time being. 0:05:31.440 --> 0:05:33.600 Sure. Yeah, So for I guess for all the folks 0:05:33.600 --> 0:05:35.680 out there who have student loans, you're probably wondering what 0:05:35.720 --> 0:05:38.560 this means for you. So the Biden administration they're pushing 0:05:38.600 --> 0:05:42.160 back or attempting to use legal recourse to ensure that 0:05:42.520 --> 0:05:47.400 Save remains fully implemented. They can't use the debt forgiveness 0:05:47.440 --> 0:05:50.039 portion of save at least for now, but the payment 0:05:50.080 --> 0:05:52.760 for many will be reduced dramatically according to the new 0:05:52.880 --> 0:05:57.839 discretionary income rules and the final outcome for the tenure 0:05:57.920 --> 0:06:01.760 forgiveness timeline that remains to be seen. But for the 0:06:01.800 --> 0:06:04.320 time being, no matter what your income level is, if 0:06:04.360 --> 0:06:06.479 you are enrolled in the safe play and your payment 0:06:06.640 --> 0:06:09.359 it's gonna be zero dollars because you'll technically be pushed 0:06:09.360 --> 0:06:13.080 into forbearance by the powers that be. So basically, as 0:06:13.080 --> 0:06:15.320 they're arguing over this, it's like, Okay, everything is going 0:06:15.360 --> 0:06:18.600 to be put on hold again. Payments are going to 0:06:18.640 --> 0:06:20.000 be on pause until further notice. 0:06:20.080 --> 0:06:22.479 That's the last thing I read was basically not just 0:06:22.520 --> 0:06:26.279 that some people, a few million people with incomes and 0:06:26.279 --> 0:06:29.919 family sizes that that made them qualify under the discretionary 0:06:29.920 --> 0:06:32.839 income rules, not just them, not just those folks, would 0:06:32.839 --> 0:06:35.960 experience a zero dollar payment, but that potentially everybody who's 0:06:36.040 --> 0:06:38.200 enrolled and saved is going to experience zero dollar payments 0:06:38.240 --> 0:06:41.160 for the time being while this gets while in the. 0:06:41.120 --> 0:06:43.560 Courts, exactly, Yeah, and not to get political too, but 0:06:43.640 --> 0:06:46.640 like I hate this for folks who hold student loans, 0:06:46.640 --> 0:06:50.400 because even the top Democratic official leader, Nancy Pelosi, like 0:06:50.440 --> 0:06:52.080 last was it last year or a couple of years ago, 0:06:52.360 --> 0:06:54.680 said that this is not something that the president can do, 0:06:54.760 --> 0:06:56.480 but then they just they try to push forward with 0:06:56.520 --> 0:06:59.040 it anyway. And so it just felt like a false promise. 0:06:59.480 --> 0:07:00.920 And that's the part of it that I hate so much, 0:07:00.960 --> 0:07:04.600 that folks are counting on this forgiveness on just some 0:07:04.640 --> 0:07:07.880 of the different promises that that we're going to be made. Yeah. 0:07:07.920 --> 0:07:09.560 So yeah, I don't know. I just hate it full 0:07:09.600 --> 0:07:12.600 as opposed to it actually going through congressional action, them 0:07:12.680 --> 0:07:16.160 actually voting on it, as opposed to the executive branch 0:07:16.440 --> 0:07:18.320 unilaterally doing it on the rim. 0:07:18.360 --> 0:07:19.680 It's like telling your kid you're going to go get 0:07:19.720 --> 0:07:21.840 an ice cream and then being like, psych not gonna 0:07:21.840 --> 0:07:23.880 get checks, scream and how disappointed are they? Whereas if 0:07:23.880 --> 0:07:25.440 you'd never say anything in the first place and you 0:07:25.480 --> 0:07:27.080 just don't get ice cream, like they don't know any. 0:07:26.920 --> 0:07:28.720 Would have been better for them to have never known. 0:07:28.840 --> 0:07:31.040 Yeah, and so we don't know how this is going 0:07:31.120 --> 0:07:33.040 to shake out. My guess is that parts of this 0:07:33.120 --> 0:07:35.600 save plan are going to be implemented, and they are 0:07:35.640 --> 0:07:38.840 being implemented as it stands right now, but what's going 0:07:38.920 --> 0:07:42.120 to happen ultimately still remains to be seen. And so 0:07:42.280 --> 0:07:44.760 I think right now the best course of action is 0:07:44.760 --> 0:07:47.560 to assume that you're going to be paying your full 0:07:47.600 --> 0:07:50.280 student loan payment and to bank that for the time being, 0:07:50.640 --> 0:07:53.480 not to assume that it's going away. I just want 0:07:53.480 --> 0:07:54.760 to I wouldn want to count my chickens. 0:07:54.560 --> 0:07:56.040 Before they have, yes, which is what we said from 0:07:56.040 --> 0:07:59.920 the very beginning, like literally back during COVID, during the pandemic, 0:08:00.600 --> 0:08:04.280 as the forbearans, as payments were paused, we said, hey, 0:08:04.560 --> 0:08:06.760 keep setting that money aside, pay yourself, put that into 0:08:06.800 --> 0:08:09.840 high yield savings, and then when the time comes, you'll 0:08:09.840 --> 0:08:11.840 get to you know, you'll see what it is that 0:08:11.840 --> 0:08:12.840 you'll have to do with that money. 0:08:12.840 --> 0:08:15.360 Don't don't treat it as an excuse to spend more. 0:08:15.840 --> 0:08:16.160 Exactly. 0:08:16.160 --> 0:08:17.640 If you're going to want to invest more, that's fine, 0:08:17.640 --> 0:08:20.400 I guess, but don't inflate your lifestyle. Make sure you 0:08:20.640 --> 0:08:24.000 at least retain the ability to pay your student loans 0:08:24.120 --> 0:08:26.120 when that payment comes back. But for the time being, 0:08:26.360 --> 0:08:28.880 the safe plan is kind of sort of mostly on. 0:08:29.160 --> 0:08:32.000 All right, let's talk about cell phones maths. A new 0:08:32.040 --> 0:08:36.240 survey from whistle Out. It's a cool name for a website. 0:08:35.920 --> 0:08:39.199 They basically document the price of cell phone service and 0:08:39.240 --> 0:08:42.439 what's happening in the cell phone sphere. And they have 0:08:42.559 --> 0:08:45.520 a new annual overspending report, that's what they call it. 0:08:45.760 --> 0:08:50.120 And they found that Americans are wasting fifteen hundred bucks 0:08:50.160 --> 0:08:53.160 a year on cell phone service. I don't know if 0:08:53.200 --> 0:08:55.440 that would have been your guest, like the average American, 0:08:55.440 --> 0:08:57.640 mat was the average Americans spending or wasting on cell 0:08:57.640 --> 0:08:58.959 phone service? I don't think I would have said it 0:08:59.000 --> 0:09:00.240 with that much, that's a lot of money. 0:09:00.360 --> 0:09:00.720 Yeah. 0:09:01.360 --> 0:09:04.559 What they cited in this survey was rising monthly costs, 0:09:04.640 --> 0:09:08.160 which contributed to a lack of affordability, which also shocks me, 0:09:08.760 --> 0:09:11.640 given the reality that you and I have seen prices 0:09:11.720 --> 0:09:14.760 decreasing the exact opposite. Yeah, we see prices going down. Actually, 0:09:14.880 --> 0:09:17.080 well everything else has gone up in price. Cell phone 0:09:17.120 --> 0:09:21.120 service has basically withstood the inflation gauntlet all together. But 0:09:21.600 --> 0:09:24.040 whistle out found that the average American I'm quoting here, 0:09:24.120 --> 0:09:26.280 the average American currently spends one hundred and fifty seven 0:09:26.280 --> 0:09:29.600 dollars a month on a plan from a major carrier 0:09:30.160 --> 0:09:32.480 that would that's like, that's the crux of the issue 0:09:32.520 --> 0:09:33.800 here in their report? 0:09:33.800 --> 0:09:36.760 Did that also include the price of like a phone 0:09:36.840 --> 0:09:38.440 or something like? That's I don't know, that's the part 0:09:38.480 --> 0:09:41.000 I don't understand. I know, I don't understand how that's possible. Yeah, 0:09:41.040 --> 0:09:43.800 so it just makes me slightly questioned, whistle out and 0:09:43.800 --> 0:09:44.360 their motives. 0:09:44.480 --> 0:09:46.560 Yeah, well, how are you coming up with this data? 0:09:46.640 --> 0:09:48.280 I mean, yeah, so maybe it's not as bad as 0:09:48.280 --> 0:09:50.840 they're actually making it, you know, making it sound, because 0:09:50.880 --> 0:09:53.439 I can't. I haven't met anybody who pays that much 0:09:53.440 --> 0:09:55.360 for their cell phone service. I've met people paying sixty 0:09:55.360 --> 0:09:56.960 to seventy eighty bucks a month, but one hundred fifty 0:09:56.960 --> 0:09:59.480 seven is insane. And if that's the average, how's that possible? 0:09:59.520 --> 0:10:01.720 Sure? But even still, this gives us a good excuse 0:10:01.760 --> 0:10:04.640 to talk about the more affordable options out there, because 0:10:04.679 --> 0:10:07.400 fortunately the tide is changing. The big guys are losing 0:10:07.480 --> 0:10:10.360 market share, and you know, us Americans, we're starting to 0:10:10.360 --> 0:10:13.080 realize just how much we can say by avoiding the 0:10:13.080 --> 0:10:16.000 big names, the big name brands that are constantly advertising 0:10:16.679 --> 0:10:18.880 by hopping over to an MV and zero. 0:10:18.960 --> 0:10:20.080 That's, by the way, what's you're paying? 0:10:20.120 --> 0:10:20.400 Format? 0:10:20.440 --> 0:10:23.160 You mentioned the advertising, the guys that sponsor stadiums, the 0:10:23.200 --> 0:10:26.480 guys that they're running the commercials during your favorite sports program. 0:10:26.600 --> 0:10:30.720 Basically, the more you know about it, the more automatically is. Yeah, 0:10:30.760 --> 0:10:34.640 forty seven percent of Americans now get their cell service 0:10:34.840 --> 0:10:39.800 from a discounter like Visible Mint, some of the other 0:10:39.880 --> 0:10:43.320 great boots. That's another boost. Yeah, although, so I noticed 0:10:43.360 --> 0:10:46.360 that Google five they recently increased price on some of 0:10:46.400 --> 0:10:49.560 their multi person plans, making them a little less enticing, 0:10:49.559 --> 0:10:52.240 because that's one that I mean, we were considering ceping 0:10:52.280 --> 0:10:55.480 out with our wives. Slightly less interested in that now. 0:10:55.760 --> 0:10:58.280 But another cheap and this is a newer player, but 0:10:58.320 --> 0:11:01.600 a service provider that's been on our recently is US Mobile. 0:11:01.760 --> 0:11:03.960 I'm not actually totally sure how long they've been around, 0:11:04.320 --> 0:11:07.840 but they offer an unlimited prepaid plan for seventeen dollars 0:11:08.040 --> 0:11:10.680 and fifty cents a month. That's good, which is really 0:11:10.720 --> 0:11:13.760 good man. And yeah, I think we've got like another 0:11:14.480 --> 0:11:16.400 have like another month or two cople months with Mint. 0:11:16.440 --> 0:11:19.199 I think Mint who has been great. I literally don't 0:11:19.200 --> 0:11:21.160 have any complaints with Mint. But I'm like, all right, 0:11:21.200 --> 0:11:23.880 well we know about Mint because of Ryan Reynolds, and 0:11:24.360 --> 0:11:26.839 I don't know like maybe their prices, I will say, 0:11:27.000 --> 0:11:29.800 the plan prices haven't gone up, but they have reduced 0:11:30.040 --> 0:11:33.079 the if you add on data, the cost on that 0:11:33.120 --> 0:11:35.800 has gone up, or or maybe they've reduced the amount 0:11:35.800 --> 0:11:37.440 of data you get. But even and you and I 0:11:37.440 --> 0:11:39.199 were not hich folks will complain about because they're like, 0:11:39.800 --> 0:11:42.080 I think it's literally I think it's twenty dollars for 0:11:42.160 --> 0:11:45.600 an extra three gigs of data. Wow, which it does 0:11:45.679 --> 0:11:48.359 seem like a lot, right, but even still, like, let's's 0:11:48.360 --> 0:11:51.920 imagine you're on like a ten gig fifteen gig a 0:11:51.960 --> 0:11:55.760 month plan prepaid throughout the year. The ability to save 0:11:56.000 --> 0:12:00.280 like more than one hundred dollars every single month, with 0:12:00.320 --> 0:12:02.160 the off chance maybe once or twice a year that 0:12:02.200 --> 0:12:05.079 you might add more data for twenty bucks, you definitely 0:12:05.120 --> 0:12:05.720 come out ahead. 0:12:05.720 --> 0:12:08.280 But so Emily she we're on the five gig plane, 0:12:08.280 --> 0:12:10.920 which is fifteen bucks a month, which is cheaper than 0:12:10.960 --> 0:12:13.280 the US mobile plan you just mentioned. But there has 0:12:13.320 --> 0:12:15.840 been a time or two if we're adding data. Emily 0:12:15.880 --> 0:12:18.280 in particular has run out of data and she's like, 0:12:18.440 --> 0:12:21.080 add me some data, and she's like, I'm sure she's annoyed, 0:12:21.080 --> 0:12:22.960 why are you cheaping out? And going the and so 0:12:23.200 --> 0:12:24.640 I think, oh, we don't need to do this, and 0:12:24.920 --> 0:12:27.440 we don't need unlimited data, that's for sure, because again 0:12:27.480 --> 0:12:29.920 and most people don't. They're on Wi Fi at work, 0:12:29.960 --> 0:12:33.280 at home, and so most folks unless you're just add 0:12:33.320 --> 0:12:35.599 the extra data streaming YouTube while you're driving, which ISA, no, no, 0:12:35.640 --> 0:12:36.920 you're going to get arrested for that or maybe not 0:12:36.960 --> 0:12:38.800 a rest of but you're gonna get all. Don't do that. 0:12:38.880 --> 0:12:41.520 But so I think with the extra when you pay 0:12:41.520 --> 0:12:44.240 fifteen or twenty bucks to top off your data, and 0:12:44.320 --> 0:12:45.920 even if it's just a one month or two months 0:12:45.920 --> 0:12:47.959 out of the year, it starts to make that seventeen 0:12:48.000 --> 0:12:51.000 dollars a month unlimited make a whole lot of sense. 0:12:51.040 --> 0:12:53.520 An extra two to fifty a months times twelve. Yeah. 0:12:53.640 --> 0:12:57.360 So I actually hopped on my usage or whatever on 0:12:57.640 --> 0:13:00.200 and I noticed so when we were when we are 0:13:00.240 --> 0:13:02.839 down in Savannah, we are up in the woods of 0:13:02.880 --> 0:13:05.800 Michigan and where we're staying didn't have Wi Fi and 0:13:05.840 --> 0:13:08.679 we barely had cell phone service. It was like snail's 0:13:08.720 --> 0:13:11.720 pace cell phone coverage. But even still, what that meant 0:13:11.760 --> 0:13:15.600 is anything that I was consuming was coming through data, 0:13:16.200 --> 0:13:19.199 and I've got like twenty five days left, basically a 0:13:19.200 --> 0:13:21.640 whole month, and I'm like, I've only got like one 0:13:21.640 --> 0:13:24.800 gig left. I didn't realize how much data I use, 0:13:24.840 --> 0:13:27.199 So I'm definitely gonna need to make sure, yeah, doing 0:13:27.200 --> 0:13:29.960 big downloads or anything like that while I am connected 0:13:29.960 --> 0:13:32.160 to Wi Fi. But even still, let's say I hit 0:13:32.200 --> 0:13:34.960 that cap in next week or something like that, it's 0:13:34.960 --> 0:13:37.880 still gonna be worth it to add that extra three 0:13:37.920 --> 0:13:40.679 gigs of data for twenty bucks versus going with one 0:13:40.679 --> 0:13:41.240 of the big players. 0:13:41.280 --> 0:13:42.800 Well, and it used to be, and it is with Mint, 0:13:42.840 --> 0:13:44.160 and it is with a lot of these other players. 0:13:44.200 --> 0:13:47.320 It's something close to double the cost to get the unlimited. 0:13:47.520 --> 0:13:50.240 But now that Unlimited is going down in price, I 0:13:50.280 --> 0:13:52.280 see the wisdom and going directly with one of those 0:13:52.320 --> 0:13:54.960 plans if it's cheap enough. So US Mobile we're checking 0:13:54.960 --> 0:13:56.880 out will tramp a link in the show notes for you. 0:13:57.320 --> 0:14:01.640 All Right, Mattlis talk about brands and brand loyalty. I'm 0:14:01.679 --> 0:14:04.520 sure every single person listening to this podcast can name 0:14:04.559 --> 0:14:06.960 a company or two that brings a smile out their face, right, 0:14:07.240 --> 0:14:10.280 I could name a few myself, whether it's a generous 0:14:10.320 --> 0:14:12.880 return policy, one of a kind goods or service. 0:14:12.679 --> 0:14:15.080 Thinking of Costco. I'm thinking of all d yeah, the 0:14:15.080 --> 0:14:16.040 return policy. 0:14:15.800 --> 0:14:17.520 Or even brains that just make cool stuff that are 0:14:17.600 --> 0:14:20.600 off the beaten path, Like as a want to be runner, 0:14:20.640 --> 0:14:23.280 someone who's getting into running, there's a company you're not. 0:14:23.320 --> 0:14:25.480 I want to dude, you run. Now you are a runner. 0:14:25.520 --> 0:14:27.840 We'll see except the identificate, the uh. I don't know 0:14:27.840 --> 0:14:29.840 that identity, not until I grow a stash like hers. 0:14:30.800 --> 0:14:33.040 If only it could be as thick as prefontame. 0:14:33.080 --> 0:14:33.840 Some day you'll get there. 0:14:33.840 --> 0:14:34.360 You'll get there. 0:14:34.560 --> 0:14:36.720 But there's a company I found recently called runner Are 0:14:36.800 --> 0:14:38.880 in in Are and they make you would look at 0:14:38.880 --> 0:14:40.560 these hats and you'd be like, that's so jo, that's 0:14:40.560 --> 0:14:43.800 so because they're bright, they're ostentatious, they're over the top 0:14:43.800 --> 0:14:44.920 and ridiculous, but they're cool. 0:14:45.040 --> 0:14:46.280 I just need to get you a pair of those 0:14:46.520 --> 0:14:48.760 some bright hokahs. What was that? 0:14:49.040 --> 0:14:52.200 I mean, funky stuff is my bier. So yeah, those 0:14:52.200 --> 0:14:53.840 are the kind of things like maybe it is just 0:14:53.840 --> 0:14:55.440 something that's one of the kind nobody else makes it 0:14:55.520 --> 0:14:57.880 like that, or just great customer service, right, that's something 0:14:57.880 --> 0:14:59.920 else you think of Chick fil A. It's the my pleasure, 0:15:00.040 --> 0:15:04.120 it's the trying to create raving fans. People have loyalty, 0:15:04.200 --> 0:15:06.400 strong loyalty to companies like that, and so if you 0:15:06.400 --> 0:15:08.800 were to have an issue with one of these admirable companies, 0:15:09.000 --> 0:15:10.480 you'd likely find that you were able to get it 0:15:10.520 --> 0:15:13.200 resolved without too much trouble, which only adheres you to 0:15:13.200 --> 0:15:15.280 that company even more, not necessarily just because they make 0:15:15.360 --> 0:15:18.080 cool stuff, but because customer service is at the forefront 0:15:18.320 --> 0:15:21.760 of their priority list. And this is what's known as 0:15:22.200 --> 0:15:25.000 brand warmth. And the best companies, of course, have this 0:15:25.240 --> 0:15:29.880 in spades. A recent white paper found that customers report 0:15:30.000 --> 0:15:33.240 feedback to these brands, to these brands that they feel 0:15:33.280 --> 0:15:36.240 like they have almost like a friendship or relationship with, 0:15:36.640 --> 0:15:39.480 even more than they would to a company they consider 0:15:39.520 --> 0:15:41.840 to be uncaring or they're more likely not to just 0:15:41.880 --> 0:15:44.400 give feedback, but they're more likely to complain. And so 0:15:44.560 --> 0:15:47.000 the reason they complain and don't just offer feedback is 0:15:47.000 --> 0:15:48.680 because they know they're going to be shut down cold 0:15:48.800 --> 0:15:51.920 if they try to offer constructive criticism. Like you think 0:15:51.920 --> 0:15:53.800 about the exact opposite of brand warmth, Matt, you think 0:15:53.880 --> 0:15:57.080 probably Comcast, Right, that's probably one of those brands at 0:15:57.160 --> 0:15:58.000 least in when. 0:15:58.240 --> 0:16:00.520 Not very warm feelings. Yeah, when you mentioned. 0:16:00.520 --> 0:16:02.480 Consumer Reports used to have this blog and they would 0:16:02.480 --> 0:16:04.880 identify the worst company in the world every single year, 0:16:04.920 --> 0:16:08.360 and Comcast was typically in the top four, often number one. 0:16:09.080 --> 0:16:12.120 But think about another brand, maybe, ARII, you're probably gonna 0:16:12.120 --> 0:16:14.080 get a fair hearing if you say, based on just 0:16:14.120 --> 0:16:18.040 their general policy, but then also based on their warmth 0:16:18.040 --> 0:16:21.080 towards their customers. And so I think it makes me think, 0:16:21.160 --> 0:16:23.400 don't be afraid to beat this wiki wheel with brands, 0:16:23.480 --> 0:16:26.760 especially that you love and admire, and do it in 0:16:26.800 --> 0:16:30.520 a feedback oriented approach instead of a complaining sort of approach. 0:16:30.720 --> 0:16:33.479 They're often going to respond fondly to that. They're gonna respond. 0:16:33.200 --> 0:16:34.240 Well, well, yeah, I mean, I think it has a 0:16:34.280 --> 0:16:35.400 lot to do with the fact that when you have 0:16:35.440 --> 0:16:38.040 a company or a brand that you love, you want 0:16:38.040 --> 0:16:42.120 them to continue to perform. Well, you know, like Kate 0:16:42.200 --> 0:16:45.040 recently took the kids to see a movie. They went 0:16:45.080 --> 0:16:47.800 to this sort of discount movie theater and she was 0:16:47.840 --> 0:16:49.720 just like, this is the first time she had been there, 0:16:50.040 --> 0:16:52.120 and she said, we didn't make sure this play sticks around. 0:16:52.320 --> 0:16:54.520 I guess they had a deal on Tuesdays. I guess 0:16:54.560 --> 0:16:57.080 it was for kids where they get a two dollars movies. 0:16:57.640 --> 0:16:59.760 I forget the price, but you get a drink and 0:16:59.800 --> 0:17:03.000 a a popcorn, like it's all basically included, and they 0:17:03.040 --> 0:17:05.000 count on you doing the upgrade. They count on you 0:17:05.160 --> 0:17:07.440 getting like pretzel bites or something like that. But it's like, 0:17:07.480 --> 0:17:10.400 oh no, no, you stick with what's included for free. 0:17:10.520 --> 0:17:12.399 But it takes supporting those kind of companies. And I 0:17:12.400 --> 0:17:14.400 think when folks reach out to brands that they love, 0:17:14.840 --> 0:17:16.880 it's in an effort to see them do better, which 0:17:16.880 --> 0:17:19.840 makes me think we haven't mentioned this recently, but if 0:17:19.840 --> 0:17:21.880