Speaker 1: Episode to seventy four, How do align your spending with
Speaker 1: your values? Welcome to the Frugal Friends podcast, where you'll
Speaker 1: learn to save money, embrace simplicity right, and liver with
Speaker 1: your life. Here your host Jen and Jill. Mm hmmmmmmm.
Speaker 1: Welcome to the Frugal Friends podcast. My name is Jen,
Speaker 1: my name is Jill, and today we are talking about
Speaker 1: values aligned spending, but not just what it is, but
Speaker 1: how to actually practice it and so this we are
Speaker 1: very excited for this one. This is another one of
Speaker 1: those foundational episodes. You know, we're doing it in episode
Speaker 1: two seventy four, but we talk a lot about values
Speaker 1: based spending and this is going to be one of
Speaker 1: those kind of core episodes for how do I actually
Speaker 1: how do I do this? How do I how do
Speaker 1: I identify my values? How do I put them into practice?
Speaker 1: How do I make sure that my spending is aligned
Speaker 1: with that keep working towards it? So, oh, this is
Speaker 1: the bread and butter right here, because you know me,
Speaker 1: I can live off of bread and butter. She can,
Speaker 1: she can? And smoothies and wine and wine. Who is
Speaker 1: this episode brought to us by Jill the Club Meet
Speaker 1: me in the club. It's going down the Frugal Friends Club.
Speaker 1: That is to celebrate the new year, New you hype,
Speaker 1: we are offering us sale on Frugal Friends Club. We
Speaker 1: know motivation is high in January, super super through the roof,
Speaker 1: and it falls off around February and March. It doesn't
Speaker 1: stay high for long in ten days, but we want
Speaker 1: to help you stay motivated all year long. And the
Speaker 1: Frugal Friends Club is a community specifically for our listeners
Speaker 1: who are paying off debt and it is filled with courses, challenges,
Speaker 1: expert interviews that will help you pay off debt faster
Speaker 1: and figure out what to do afterwards. We certainly have
Speaker 1: people in the club who are debt free and many
Speaker 1: people who have experienced debt freedom while being in the club,
Speaker 1: so there's also resources for what comes next. Don We
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Speaker 1: Today is the last day for the discount, so get
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Speaker 1: club on sale. Got coops Baby, Got coops for club
Speaker 1: coops coops for days, actually just one day. This is
Speaker 1: last for this day. So if you are wanting to
Speaker 1: focus on your spending this year, we just wrapped up
Speaker 1: our one week spending makeover that we did live and
Speaker 1: we will be repurposing it into a not live version
Speaker 1: with the same video, So don't worry if you missed it.
Speaker 1: But we know spending is something discretionary spending specifically is
Speaker 1: something a lot of people want to work with and
Speaker 1: work on this year. It's a big part of the
Speaker 1: challenges and courses in the club, and so this episode
Speaker 1: is really about the practice of aligning your spending with
Speaker 1: your values. We have a few other episodes in that
Speaker 1: we talked about it throughout all of our episodes almost
Speaker 1: but we got episode one one which is how do
Speaker 1: I identify and improve spending habits? And then we also
Speaker 1: have episode one which goes over what is values based
Speaker 1: budgeting and how you practice it? And so this is
Speaker 1: an extension specifically on that one of values aligned spending,
Speaker 1: and really we have plans to cover like kind of
Speaker 1: values based decision making in all areas of our personal finances.
Speaker 1: So we really started with spending and budgeting, but you
Speaker 1: can make career and income aligned, values aligned decisions, investing
Speaker 1: decisions aligned with your valuest payoff decisions. So over the
Speaker 1: course of this year, we do plan on kind of
Speaker 1: extending this idea to all other areas of your personal finances.
Speaker 1: And this is just a start. So if you've ever
Speaker 1: wondered if we're going to run out of content, the
Speaker 1: answer is nope, nope. When we keep going, are we
Speaker 1: never going to run out of topics? Nope? Here I
Speaker 1: got six months from I got I keep a six
Speaker 1: month list of episodes planned in advance. So this this
Speaker 1: brain never stops working. Even for sure, I do wake
Speaker 1: up with episode ideas sometimes if I have a dream
Speaker 1: about like not a prophetic dream, but just like I
Speaker 1: did something wrong in my dream and I'm like, oh,
Speaker 1: that would make a great episode. I'd love to know
Speaker 1: which episodes those are. We'll circle back around. That's some
Speaker 1: thoughts episodes. Yeah, alright, so our first headline, well, Jill,
Speaker 1: you really enjoyed this one, so I'll let you introduce it.
Speaker 1: It comes from we Wicky How Wicky How is such
Speaker 1: an interesting website. Every time I land on it, it's
Speaker 1: so specific, Like I don't even need to look at
Speaker 1: the U R L. I just know I'm on wicki How.
Speaker 1: But I generally really enjoy what they put out, mostly
Speaker 1: because a lot of well Wicki How. It's like they
Speaker 1: give you step by step how to and usually they're
Speaker 1: really good. Anyhow. This one is also also want to
Speaker 1: walk you through all the graphics in this one, because
Speaker 1: they're they're great, They're always great. How. Yeah. Okay, so
Speaker 1: this one is how to define your personal values? And
Speaker 1: so we get this question a lot. We've talked about
Speaker 1: this a lot of Okay, how do I first identify
Speaker 1: my values? If I'm going to values based, spend values based, plan,
Speaker 1: fill in the blanks on all the content that's going
Speaker 1: to come at you. And there isn't like a set
Speaker 1: do this, do this, do that, Boom, there's your values.
Speaker 1: There are a lot of different things that can be done, though,
Speaker 1: and I feel like this article gives a really good
Speaker 1: kind of overview. They try and make it step by step,
Speaker 1: although mostly it's just kind of like try this, try
Speaker 1: that eventually you'll come across it, which yeah, I agree with.
Speaker 1: So let's they give six things, and then there's and
Speaker 1: it's some addendums. This is like part one that goes
Speaker 1: into part two, part three. It's a really long article.
Speaker 1: Feel free to check it out. I do want to
Speaker 1: reference part two and three towards the end, but I
Speaker 1: won't spend long on it. But we're going to go
Speaker 1: through the first six. So kick us off, all right.
Speaker 1: So the first part is discovering your values, obviously, and
Speaker 1: so number one they say to list the things that
Speaker 1: are most important to you in life. And I will
Speaker 1: add this that is not in that we say, that's
Speaker 1: not in this article, but because we are a personal
Speaker 1: finance podcast. If you're having trouble figuring out what's most
Speaker 1: important to you in life, go through your last ninety
Speaker 1: days of transactions and list every one of them out.
Speaker 1: If you need to copy and paste them into an
Speaker 1: Excel doc, you can do it by hand, whatever, every
Speaker 1: single transaction, even your rent or mortgage, and make a
Speaker 1: note about every single one of them. Why did you
Speaker 1: make it, how did you feel when you were making it,
Speaker 1: what kind of preceded the event. If you're familiar with
Speaker 1: the habit loop, maybe writing the trigger for for why
Speaker 1: you spent that uh and or how you feel about
Speaker 1: it now. So just like a really short note about
Speaker 1: every single transaction, and you will start to see a pattern,
Speaker 1: whether it's a pattern of the same purchases or a
Speaker 1: pattern of the same note. And those are that that's
Speaker 1: going to tell you a lot about what's most important
Speaker 1: to you in life. This graphic, this work of art
Speaker 1: right here her she has written down her cat an
Speaker 1: art palette, a happy ace, and what looks to be
Speaker 1: her family, and and those are the things that she
Speaker 1: has spent the most money on over the last ninety days.
Speaker 1: Emois happiness, finding happiness, I guess yeah. And one of
Speaker 1: the things we also say as the Frugal Friends is
Speaker 1: for most people, for most of us are values. Some
Speaker 1: core values a is going to be faith, family, friends,
Speaker 1: and fulfilling work. So feel free to write those things down.
Speaker 1: But those aren't necessarily pieces that are going to help
Speaker 1: us understand our specific individualism further. And now they are
Speaker 1: still things that are you know, worth focusing on, worth
Speaker 1: spending money on, time, energy, attention. But this exercise as
Speaker 1: far as we're concerned, is a little bit more important
Speaker 1: to keep whittling it down to what's unique to your
Speaker 1: personhood and the specific values that might set you apart
Speaker 1: from other people, and how that can also help to
Speaker 1: inform some of your spending decisions and the way you
Speaker 1: spend and utilize your resources. Yes, like, for an example,
Speaker 1: this uh This lady, this uh Art lady, family is
Speaker 1: clearly one of her values. So she I imagine that
Speaker 1: she is spending money on activities with her children quite frequently,
Speaker 1: and that her note might be, Oh, this my family,
Speaker 1: it's my core value. But it always runs deeper than that.
Speaker 1: So don't stop at like I made this because family
Speaker 1: is important to me, or faith or friends or fulfilling work.
Speaker 1: Those are your interactions with external people, external things. Think
Speaker 1: about why am I buying my children so many toys?
Speaker 1: Why am I spending so much money on extracurriculars for them?
Speaker 1: What does it say about me? And that's not negative,
Speaker 1: We're not trying to like, there's no shame in these reasons.
Speaker 1: The thing is to figure out what the value is.
Speaker 1: That's the goal. So all like, when you're trying to
Speaker 1: figure out your values, keep it focused on you and
Speaker 1: how you interact with people, not that other people or
Speaker 1: other things are your core value. I'm over here really
Speaker 1: trying to hold back some gigs. I'm realizing I didn't
Speaker 1: actually pay that much attention to the images as I
Speaker 1: read through the article the first time, and it is
Speaker 1: striking two. I'm gonna try my best to describe this,
Speaker 1: but yeah, you all are going to need to just
Speaker 1: go to this article yourselves. So number two is identify
Speaker 1: three to five experiences where you truly felt alive and engaged.
Speaker 1: So they're talking about moments experiences when you you felt alive,
Speaker 1: you felt like most yourself, Exercising aspects of your personhood
Speaker 1: that are unique to you, that feel life giving, that
Speaker 1: you feel just yeah, fully alive would probably be the
Speaker 1: best way to describe that. What were those experiences? Okay,
Speaker 1: so that's what number two is. The picture that goes
Speaker 1: along with number two. Again, these are like cartoons. I'm
Speaker 1: gonna it's a girl sitting in a chair with her
Speaker 1: foot up and like her leg and foot are in
Speaker 1: a cast, and this guy is giving her a cup
Speaker 1: of something, maybe coffee or tea, and his mouth is
Speaker 1: on the side of his face, like fully his mouth
Speaker 1: is like where his cheeks should be. And that's the
Speaker 1: picture of like an example, he's contortion. She should not
Speaker 1: she her leg if she's sitting in chair, her leg
Speaker 1: should be lower that she looks like she'd be she
Speaker 1: should be sitting in a bed, but her it's in
Speaker 1: a chair like the bed fell downection is just kind
Speaker 1: of awkwardly her hand. The perspective, yes, certainly on the
Speaker 1: drawing could use some work, but also masterpiece in my
Speaker 1: opinion and experience, where you truly fell alive. And the
Speaker 1: example giving t to someone who broke their foot. Okay,
Speaker 1: so maybe that's you. And so that is an example.
Speaker 1: They say, like, maybe you could write when I helped
Speaker 1: my friend Amy after her accident. Yes, and and this
Speaker 1: is super like I think looking back, especially moments in childhood.
Speaker 1: I think if there are moments in your childhood where
Speaker 1: you felt most like yourself, I've think those are the
Speaker 1: purest moments to remember. So for me, it's always there's
Speaker 1: this one moment when I was in fourth grade and
Speaker 1: I wrote this thing like this assignment and my teacher
Speaker 1: read it and she's like, Jen, I want you to
Speaker 1: take this to every teacher in the pod and let
Speaker 1: them read it and I just felt so proud, like
Speaker 1: and that is a maybe other people would feel like
Speaker 1: an insignificant moment, But I have kept with me through adulthood.
Speaker 1: So it's like things where other people are like, why
Speaker 1: do you remember that? But you so vividly keep it
Speaker 1: with you. Those are them things to dissect and see
Speaker 1: what value was being honored in that event. It is true,
Speaker 1: and so yeah, to be fair, I think for some people,
Speaker 1: helping others can be part of that, like it it
Speaker 1: awakens something being useful and purposeful for another human or
Speaker 1: creature can be a part of those things. And so
Speaker 1: that certainly could highlight what most important to you, the
Speaker 1: things that you enjoy engaging in, what your values are.
Speaker 1: So yes, it's certainly an important exercise, and this very
Speaker 1: well could be. At that time, I helped Amy after
Speaker 1: her accident, and I brought her coffee and my mouth
Speaker 1: was on the side of my face. I felt alive,
Speaker 1: all right. Number three is imagine what you want people
Speaker 1: to say about you on your eightieth birthday. This one
Speaker 1: can get a little dicey because I think we tend
Speaker 1: to view some values as superior to others. When values
Speaker 1: are all neutral, there are there's no value that is
Speaker 1: of a higher caliber than another. They can all be
Speaker 1: used for good or for evil. Essentially, they can all
Speaker 1: all be used to, you know, be altruistic or to
Speaker 1: be selfish. But they do say, imagine, you know, this
Speaker 1: is a picture of a man at his eightieth birthday
Speaker 1: with chips and guacamole, and I don't know why you
Speaker 1: put the guacamole on. The chips are going to get soggy,
Speaker 1: and there's champagne and everyone is happy. And so when
Speaker 1: you are this man, what do you want people to
Speaker 1: say about you at your eightieth birthday party? And also
Speaker 1: I also asked that it gets vivid. Who's at my party?
Speaker 1: What do people love about me? How have I impacted
Speaker 1: people's lives? What have I accomplished in life? So this
Speaker 1: is a good exercise. But remember that not all the
Speaker 1: values you think you should have do you have in reality,
Speaker 1: And that's okay. Be really honest with yourself about what
Speaker 1: you truly value and not what you think you should value.
Speaker 1: And also recognize some of these things will be unseen.
Speaker 1: Depending on what our values are, the decisions that we
Speaker 1: make in life, people might not see them to even
Speaker 1: know to comment or reflect on them by the time
Speaker 1: you get eighty. But all that to say, it is
Speaker 1: a worthwhile exercise that can kind of really pull us
Speaker 1: up out of the current space that we're in and
Speaker 1: bring greater levels of perspective on what could feel like
Speaker 1: day to day life drudgery and bring clarity on Okay,
Speaker 1: am I engaging and spending time, energy and resources in
Speaker 1: a way that I want to be? Or is this
Speaker 1: an opportunity to explore shifts? And it doesn't need to
Speaker 1: mean massive shifts, doesn't mean you need to find a
Speaker 1: new career or like make every altruistic decision ever possible.
Speaker 1: But are there things that I would say are important
Speaker 1: to me? But really kind of right now life isn't
Speaker 1: being lived in that way? Like? Okay, well, then at
Speaker 1: what point would I would I begin living life in
Speaker 1: that way? A So I think then it's not realistic
Speaker 1: to always live life with like your eightieth birthday in sight.
Speaker 1: But I think a good exercise to realize and compound,
Speaker 1: all right, what is actually most important to me? All right?
Speaker 1: Number four? Oh God, my favorite image by far. I
Speaker 1: can't wait for us to get to the image. Okay,
Speaker 1: so this one number four? Think about what you admire
Speaker 1: in other people to discover your values. So this could
Speaker 1: be identifying two or three people who you look up to,
Speaker 1: you admire for various reasons, could be friends, family members, leaders,
Speaker 1: possibly even celebrities, maybe fictional characters. Figure out what you
Speaker 1: admire about them, their accomplishments, their talents, and and then
Speaker 1: decide what values they might reflect from your perspective, like,
Speaker 1: what about them is attractive to you? What about them
Speaker 1: causes admiration for you? And how might that be indicative
Speaker 1: of the things that you value, that you hold near
Speaker 1: and dear, that you want to see be operated within
Speaker 1: in your own life. And so to really clearly depict
Speaker 1: this number four of thinking about people you admire, is
Speaker 1: an image of a young man. He's wearing, Oh, he's
Speaker 1: wearing both a T shirt followed by what looks like
Speaker 1: a button down T shirt, like two layers. It's T
Speaker 1: shirts once, it's like a it's like a cardigan, but
Speaker 1: a short sece, short sleeve cardigan T shirt over the
Speaker 1: top of a T shirt, reading a book, possibly falling asleep.
Speaker 1: I don't His eyes are what appears to be closed,
Speaker 1: and the book on the front cover has an image
Speaker 1: of Jesus that's John Lennon the shirt. But okay, okay,
Speaker 1: if we fit, we know it's John Lennon because there
Speaker 1: was a guitar on the back. We don't know. It
Speaker 1: just could be like, okay, it's about Jesus and it's
Speaker 1: about music. Alternative view, alternative view. This man is wearing
Speaker 1: a short sleeve prison jumpsuit and reading a book about
Speaker 1: Charles Manson. Do you see it right? Because that's what
Speaker 1: I saw first, and then I was like, oh, that's
Speaker 1: not Charles Manson, that's for sure John Lennon or Jesus
Speaker 1: or Jesus. Now I see Jesus right wearing glasses. I
Speaker 1: think that's why I didn't see Jesus before, because he's
Speaker 1: wearing glasses. This person, whether he's in prison or at
Speaker 1: home on his couch, is thinking about the person he admires,
Speaker 1: whether it's Charles Manson, John Legend, John Lennon, or Jesus.
Speaker 1: He's learning more about them to then learn more about himself.
Speaker 1: And we can all take a page out of that book.
Speaker 1: Oh wow, Yeah, that one was my favorite for sure.
Speaker 1: Number five is to list things you really want in life,
Speaker 1: and so I would say this is less about finding
Speaker 1: your values and more about defining goals, and your goals
Speaker 1: should really be filtered through your values. So they're saying
Speaker 1: very specific instructions. Fold a piece of paper in half,
Speaker 1: and on the left side, right down your answers to
Speaker 1: these questions they're giving you on the right side, right
Speaker 1: down what each entry on your list might show about
Speaker 1: your values. So that's kind of like a goals exercise.
Speaker 1: And they say your list will probably be really long,
Speaker 1: but that's a good thing because it gives you more
Speaker 1: ways to learn about yourself. So some of the questions are,
Speaker 1: what do you want to accomplish, what do you want
Speaker 1: to be in your life or your career, What things
Speaker 1: do you hope to have um or experience, how do
Speaker 1: you want to spend your time? And this is just
Speaker 1: a great exercise, honestly, once you find your values, to
Speaker 1: go through an exercise like this to make sure the
Speaker 1: path that you're on in life is actually leading to
Speaker 1: more of your values and not just arbitrary goals and
Speaker 1: purposes that other people say you should have. Yeah, okay,
Speaker 1: last on this list, number six, which I do love
Speaker 1: this one. We've utilized this in our club use of
Speaker 1: values inventory lists to decide what's important to you. This
Speaker 1: is not going to be the only exercise to do,
Speaker 1: but it can be a really illuminating exercise to look
Speaker 1: at a list. Sometimes we can kind of get stuck
Speaker 1: and I don't what are even the options of values
Speaker 1: that I could have? And so by looking at a
Speaker 1: list that can help us to not only jog our
Speaker 1: memory or brainstorming on Okay, well what's out there? What
Speaker 1: are the options to realize what might exist for other people,
Speaker 1: what exists for us, and really recognize, oh yeah, like
Speaker 1: there are some uniquenesses about me, Like this is not
Speaker 1: important to me at all, but this one is. And
Speaker 1: so even just going through a list of values and
Speaker 1: circling what what kind of stands out to you, like, yeah,
Speaker 1: that sounds like one that is true for me. Yep,
Speaker 1: this one too. And there's gonna be a more refining process,
Speaker 1: certainly because we're not just talking about like our fantasized selves.
Speaker 1: You know, there's a lot of things that sound nice
Speaker 1: that we might not have. I know you've mentioned that already, Jen,
Speaker 1: of all of these different things that sound good and
Speaker 1: we might think are important but might not actually be
Speaker 1: definers of the core of who we are. Usually we're
Speaker 1: going to have a handful. You know, we can identify
Speaker 1: three to five core values beyond the faith, family, friends,
Speaker 1: and fulfilling work that truly kind of define who we are,
Speaker 1: and we can build systems and decisions and finances around
Speaker 1: not just all the things that like sound nice to
Speaker 1: us and maybe sometimes we engage in. They do give
Speaker 1: a link to in like an inventory list that you
Speaker 1: could utilize, and so, yeah, you could get the link
Speaker 1: from this article, but you could also just google list
Speaker 1: of values. There's tons of different lists that you could
Speaker 1: take a look at see which one feels most relevant
Speaker 1: and beneficial to you. Uh, not much to say about
Speaker 1: the image here, it's just a drawn computer of an
Speaker 1: inventory list. So yeah, I mean, I've got to give
Speaker 1: credit to the person who's deciding the imagery. It can't
Speaker 1: be an easy job, and kudos to them. So and
Speaker 1: then the last one is to rank the core values
Speaker 1: that you've identified. This is very important when we get
Speaker 1: into spending because your income is infinite and the amount
Speaker 1: of money you have right now is finite, So not
Speaker 1: everything on your values list are you going to be
Speaker 1: able to afford at one time. Possibly eventually you could
Speaker 1: get to the place where your income is covering all
Speaker 1: of your values, and that's great, that's the goal. But
Speaker 1: while we're on the path to getting there, you have
Speaker 1: to prioritize your values so you know which ones and
Speaker 1: in what magnitude they get priority in your spending plan,
Speaker 1: and that will motivate you to work harder to achieve
Speaker 1: financial freedom and increase your income so that you can
Speaker 1: get more of your values and get more of these
Speaker 1: things that money can't buy. Yeah, and then, like I mentioned,
Speaker 1: the article continues to go on into parts two and three,
Speaker 1: where then they talk about assessing your value alignment. I
Speaker 1: do think that this is worth taking a look at.
Speaker 1: We're not going to do a super deep dive on this,
Speaker 1: but once we've identified our values, it's then worth looking at, well,
Speaker 1: how aligned is my lifestyle with what I say I value.
Speaker 1: And for many of us, there's not complete alignment, and
Speaker 1: sometimes we go in and out of alignment. That's okay,
Speaker 1: but looking at this can help us then informed decisions
Speaker 1: on well, how can I make this more congruent to
Speaker 1: what I say is important to me and valuable. So
Speaker 1: one of the exercises that we can do is to
Speaker 1: go back through that list of values that we've now
Speaker 1: made after completing those other parts that we just described
Speaker 1: and rating on a scale of one to ten, how
Speaker 1: you feel and think your life is aligned with each
Speaker 1: value that you've mentioned. That there is certainly an arbitrary
Speaker 1: nature to this. There's gonna not going to be a
Speaker 1: black and white answer, but as best as you can determine,
Speaker 1: as you look at some of the values you've identified,
Speaker 1: how well do you feel the ins and outs of
Speaker 1: your daily life are aligned congruent in step with those values,
Speaker 1: And that can kind of give some understanding of Okay, well,
Speaker 1: then what would I want to do to shift that?
Speaker 1: If there's like low alignment? You can then do this
Speaker 1: for your career, going through those same values and looking
Speaker 1: at again on a scale of one to ten, how
Speaker 1: congruent do I feel the job that I'm in is
Speaker 1: aligned with these values? Because sometimes, like if we're feeling
Speaker 1: really unsettled inside of ourselves, it can have to do
Speaker 1: with how congruent our lifestyle is, our career is, with
Speaker 1: what is truly important to us, And not saying that
Speaker 1: a quick shift is going to be available or an
Speaker 1: option for everybody, but beginning to recognize, oh, this might
Speaker 1: be why I'm feeling so unsettled or disregulated, uncomfortable is
Speaker 1: because I'm maybe doing things in my personal or professional
Speaker 1: life that are actually not congruent with what's most important
Speaker 1: to me. And then that can also inform what next
Speaker 1: steps could be, how could I bring that into that alignment.
Speaker 1: And then the third thing could be to look for
Speaker 1: values that you aren't currently expressing in your life. Like
Speaker 1: I've recognized for myself that there are some areas that
Speaker 1: are important to me and we'll get into that a
Speaker 1: little bit later in the episode, but where maybe, oh,
Speaker 1: it's super important to be building relationships, and yet I'm
Speaker 1: finding myself going so head on with renovations that I'm
Speaker 1: not spending a lot of time with people. So that's
Speaker 1: a value that is going to the wayside, and that
Speaker 1: might be important for a time. It's okay to prioritize
Speaker 1: some of these things, but then keeping a pulse on,
Speaker 1: but that's still an important part of me that how
Speaker 1: can I create space used to exercise this aspect of
Speaker 1: my personhood and not completely shut it out because that's
Speaker 1: not going to do me any favors either. Yeah, great,
Speaker 1: great additions, Jill, Thank you, Thank you, Wicky, how thank
Speaker 1: you Wicky How for real, the real hero of this episode.
Speaker 1: So our next article does not have graphics that are
Speaker 1: as fun as Wicki How, but it does cover three
Speaker 1: ways to avoid mindless spending so you can start buying
Speaker 1: things that actually matter to you. That's a very long
Speaker 1: headline from C N B C. What did you think
Speaker 1: of this one, Jill? I think it's so congruent with
Speaker 1: what we talk about that there's even a quote in
Speaker 1: here that I want to highlight because I think it
Speaker 1: summarizes what we say, or what we're trying to say
Speaker 1: when it comes to values based spending, and that is
Speaker 1: improving your finances doesn't necessarily mean you have to stop
Speaker 1: buying non necessities altogether. You just have to make sure
Speaker 1: you're avoiding frivolous mindless spending so you have room to
Speaker 1: make purchases you genuinely love and care about. I just
Speaker 1: thought it was such a simple, succinct way of definance
Speaker 1: what we're saying in values based spending. It is not
Speaker 1: complete deprivation and saying no across the board. It's getting
Speaker 1: rid of those other pieces so that there's room for
Speaker 1: the things that we truly value. So I love that.
Speaker 1: I think it's a great overview of what we're saying here. Absolutely,
Speaker 1: so we are going to go over all three of
Speaker 1: these um and the first one is obviously, have an
Speaker 1: idea of what your values are. Like we said at
Speaker 1: the top of the episode, this is not like a science.
Speaker 1: This is not a three step process that you can
Speaker 1: sit down and in an hour have your core values
Speaker 1: like solidified. I don't think anything is that though, Like
Speaker 1: I don't think budgeting is that. I don't think financial
Speaker 1: planning is that, and values are the same. You can
Speaker 1: take the steps that we laid out in the first article,
Speaker 1: do them, and then continue to keep them in mind
Speaker 1: because you'll always learn more about yourself as you go
Speaker 1: through life and make decisions, have experiences, and you'll always
Speaker 1: be refining your values. But you have to do that
Speaker 1: hour long plus sit down first so that you can
Speaker 1: get an idea of what your values are. And it's
Speaker 1: not just core values. That's why we start with doing
Speaker 1: like a ninety day inventory of spending, because some of
Speaker 1: this is just like I like buying lattes and I
Speaker 1: love and and part of it is just the feeling
Speaker 1: of pause, the feeling of rest when I can take
Speaker 1: that time and have a warm cup in my hand
Speaker 1: and just take a take a walk around hard it
Speaker 1: or to take a talk that was somewhere on me. Yeah, So, like,
Speaker 1: there are always going to be deeper reasons to why
Speaker 1: you are spending, and but we don't have to automatically
Speaker 1: recognize those reasons right off the bat. We just need
Speaker 1: to start to identify them so that when we do,
Speaker 1: like do have those epiphanies, we can recognize them for
Speaker 1: what they are and not just like brush them off. Yeah.
Speaker 1: The second of three tips and steps here is to
Speaker 1: track your spending. And another way of saying this is
Speaker 1: keeping a pulse on your spending plan. So once you
Speaker 1: kind of have a budget or a spending plan and
Speaker 1: they're one and the same whatever you want to call them,
Speaker 1: and you have an understanding of your values, the only
Speaker 1: way that you're going to be able to recognize whether
Speaker 1: you're spending is continuing to be aligned with your values
Speaker 1: is if you're keeping a pulse on it, if there's
Speaker 1: a level of awareness to it, and that can happen.
Speaker 1: You can read that pulse by looking at your transactions
Speaker 1: and you're spending and continuing to assess and ask yourself,
Speaker 1: is my spending still in line with what I've said
Speaker 1: I wanted to spend on. Does it feel congruent with
Speaker 1: my values? Is this true to the exact way that
Speaker 1: honors my values? Or are there maybe even some tweaks
Speaker 1: that can be made here that would be even more congruent,
Speaker 1: more fully aligned with the things that I say I value? Uh?
Speaker 1: And so it doesn't have to be the super rigid,
Speaker 1: stringent thing just keeping a pulse. Is this still true?
Speaker 1: And that gives space for some course corrections, adjustments, cutting, shifting, adding,
Speaker 1: we love that word, adding things in and keeping track
Speaker 1: of it. It just makes it easier to notice if
Speaker 1: you're still spending money on the areas that are or
Speaker 1: aren't meaningful for you, and then informing whether or not
Speaker 1: some of those reductions, cuts or additions need to be
Speaker 1: made to that spending plan. Yeah. I think this is
Speaker 1: where our episode on Cakebo Cokebo whatever really shines is
Speaker 1: because that method of budgeting really emphasizes tracking your spending
Speaker 1: in real time and being mindful about it. So if
Speaker 1: you are not currently doing that, that is definitely something
Speaker 1: Episode to thirty seven the Japanese Art of Mindful budgeting
Speaker 1: that whole like method, and there are questions associated with
Speaker 1: it too, that you can just be more mindful about
Speaker 1: your spending. And I think that is once you take
Speaker 1: that inventory of your past spending. This is how we
Speaker 1: learn more about those notes we took on those past transactions.
Speaker 1: Is by making them in real time, we get better notes,
Speaker 1: we learn more and we can yeah, adjust as desired. Yeah.
Speaker 1: And then the third one, probably my favorite, is allow
Speaker 1: yourself to be flexible. I have found that flexibility is
Speaker 1: one of my core values. I thought it was so,
Speaker 1: and this is telling like part of me was like
Speaker 1: freedom is a core value and in that realm, and
Speaker 1: then I really realized that it is. Flexibility is some
Speaker 1: is super important to me. It's what led me to entrepreneurship.
Speaker 1: And when my when my self employment became inflexible is
Speaker 1: when I became most unhappy with it. And whenever I
Speaker 1: prioritize this flexibility like this, I have a plan. I
Speaker 1: love to plan, but I plan for flexibility like that
Speaker 1: is when I feel the most kind of like fulfilled.
Speaker 1: I'm doing fulfilling work, but I feel most fulfilled when
Speaker 1: that work also um serves me as well. And so
Speaker 1: that's kind of that part in fulfilling work is not
Speaker 1: the core value. The core value interacts with how how
Speaker 1: I am fulfilled in that work. And I could be
Speaker 1: doing any work like in any realm. It doesn't have
Speaker 1: to be like altruistic work. But if it is flexible
Speaker 1: for me and obviously have to like enjoy it to
Speaker 1: some extent, then it is fulfilling in that sense. So
Speaker 1: I like, you're not always going to be doing like
Speaker 1: the work you're most passionate about, and that's fine, Like
Speaker 1: we all we all need insurance agesters, and I've never
Speaker 1: heard anybody say that's what they want to be when
Speaker 1: they grow up, but you are. You can still meet
Speaker 1: your core values in doing work like that. So and
Speaker 1: it comes down to your with your budget as well
Speaker 1: and managing your spending. You've got to be flexible with
Speaker 1: It's It's why I love calling it a spending plan
Speaker 1: instead of a budget. Budgets just sounds rigid. It's what
Speaker 1: businesses used to plan. They're spending um. But people are
Speaker 1: not businesses. UM. We are not corporations. We are fluid,
Speaker 1: and so are spending plans should be as fluid as
Speaker 1: we are. It's interesting that your values also inform even
Speaker 1: how you approach these pieces like flexibility might be some
Speaker 1: of what informs how like you're spending, but it's also
Speaker 1: informing how you spend, like it's important that you're spending
Speaker 1: plan is flexible, Like the values aren't just going to
Speaker 1: inform where should the money go, It's also going to
Speaker 1: inform how do I spend my time? How do I
Speaker 1: structure this? How do I do this in a way,
Speaker 1: Like I'm realizing as I'm hearing you talk with beauty
Speaker 1: being one of my core valutor, one of my values
Speaker 1: that I don't mind spending on, it's also how I budget,
Speaker 1: Like my budget looks pretty to me. So yeah, it's
Speaker 1: that's interesting. That's a whole other thing to ponder and consider.
Speaker 1: But you want to know what else is super fluid?
Speaker 1: Super flexible, rejects rigidity at all costs, and yet we
Speaker 1: consistently do how so consistent and fulfilling. The bill of
Speaker 1: the week. That's right, it's time for the best minute
Speaker 1: of your entire week. Maybe a baby was born and
Speaker 1: his name is William. Maybe you paid off your mortgage,
Speaker 1: maybe your car died and you're happy to not have
Speaker 1: to pay that bill and more to build bill bill,
Speaker 1: this is the bill of the week. I do occasional
Speaker 1: side jobs through a nanny agency, and they offered a
Speaker 1: cost in January to learn about night nanning and sleep
Speaker 1: training infants. It costs fifty dollars, but I had already
Speaker 1: put what little disposable income I had that month towards
Speaker 1: extra student loan payments, as I did every month. I
Speaker 1: nervously decided it was worth it to put fifty dollars
Speaker 1: on the credit card and just pay less on debt
Speaker 1: the next month. Several months later, I got my first
Speaker 1: night nanny sleep training job for twelve hours a night,
Speaker 1: seven days a week at the night nanny rate. The
Speaker 1: job lasted longer than expected, so for three solid months
Speaker 1: I had two full time incomes, with the night nanning
Speaker 1: job being twice my regular pay on my office job.
Speaker 1: With the additional income, I was able to pay down
Speaker 1: at least fifteen grand of student loan debt, and when
Speaker 1: my laptop died that summer, I bought a higher quality
Speaker 1: laptop that costs a lot more than I would normally pay,
Speaker 1: but I knew it would last longer and save me
Speaker 1: time and money in the long run. I made that
Speaker 1: purchase without stressing about the money or calculating how many
Speaker 1: hours I would need a babysit in order to pay
Speaker 1: for it. And when I had major tooth paying without
Speaker 1: dental insurance, I needed three thousand dollars for a root canal.
Speaker 1: I was able to pay it in three installments without stressing.
Speaker 1: Since then, I've taken a few other nin ninny jobs,
Speaker 1: much shorter jobs, but still it's been nice to take
Speaker 1: care of adorable babies and help exhaustive parents while earning
Speaker 1: additional income from my student loans. It is safe to
Speaker 1: say that that was the best fifty dollars I've ever spent.
Speaker 1: I earned four hundred times what I paid. I am shook, shook, shocked, shaken,
Speaker 1: especially as someone who's about to give birth again and
Speaker 1: knows the terror of the first few months. I am
Speaker 1: absolutely shook. I had no idea this side hustle existed.
Speaker 1: I had. I am absolutely shook. Stephanie, you you are
Speaker 1: everything to me right now. I just I like, I'm
Speaker 1: so impressed, yeah, and listening to this bill, like both
Speaker 1: of us are wide mouthed over here, because what what
Speaker 1: a side hustle? What wise way of spending time energy resource?
Speaker 1: I mean that had to be exhausting. You're not getting
Speaker 1: much sleep at night and still maintaining a full time job.
Speaker 1: But you really found a way to leverage the time
Speaker 1: that you had in the evening to make you said
Speaker 1: double what your daytime. I mean that that just has
Speaker 1: my mind going, like should I be night nanny? I
Speaker 1: love my sleep too much? Okay? Yeah? And then the
Speaker 1: ways in which okay, so yes, you invested fifty dollars
Speaker 1: into a course, but and how you described making four
Speaker 1: hundred times that amount the ability to pay off dollars
Speaker 1: student loan debt, pay down some medical dental bills that
Speaker 1: you had just like so much that this allowed you
Speaker 1: to do with the time that you have in the evening,
Speaker 1: like you said, caring for cute babies and helping exhausted parents.
Speaker 1: I'm just I'm I am really in love with this
Speaker 1: bill because it also feels like the biggest I don't know,
Speaker 1: like tip, not that everybody can do this, but you've
Speaker 1: just really been created a creative problem solver and seen
Speaker 1: big strides in your debt payoffs. It's fantastic. And I mean,
Speaker 1: and we say this debt is neutral. Debt is what
Speaker 1: you make of it. And this is a full testament
Speaker 1: of how you used a reasonable amount of debt fifty
Speaker 1: dollars for the direct purpose of increase in your income.
Speaker 1: Like you knew full well how you were going to
Speaker 1: pay that back. You had the plan and you executed
Speaker 1: and this is why debt is neutral. And we are
Speaker 1: so proud of you, Stephanie. You have blown our minds
Speaker 1: for the day. I'm done. We can move on. If
Speaker 1: you've got something out there that it could be a
Speaker 1: shook shock shaken situation scenario where you're making money while
Speaker 1: other people sleep and paying down debt and Russian medical bills.
Speaker 1: I mean you you know the drill or if you know,
Speaker 1: you just know someone named Bill, like the bar is
Speaker 1: pretty low, although people take it really high. And we're
Speaker 1: here for the whole spectrum. Frugal Friends podcast dot com
Speaker 1: slash Bill, leave us your bill, We're our minds can
Speaker 1: be blown multiple times and now it's time for round round.
Speaker 1: Oh boy, um, how do we move on from that? Gosh?
Speaker 1: I don't know, it's just really amazing. I want to
Speaker 1: meet that person. Yes, okay, so are lightning round? Is?
Speaker 1: What are your spending values and how did you find them?
Speaker 1: And you guys already know one of mine. Flexibility also
Speaker 1: achievement and community. So achievement in that I love to
Speaker 1: complete things, so it could alternatively maybe be completion, but
Speaker 1: I think I like to achieve things as I complete things.
Speaker 1: But it's not like a competitive I'm not chasing dollars. God,
Speaker 1: I wouldn't be in this I wouldn't be in this
Speaker 1: business if I was chasing dollars. I also love community.
Speaker 1: I will drop everything. I'll drop anything anytime, anywhere if
Speaker 1: I have the opportunity to spend time with a friend.
Speaker 1: It's just in me. It's just in me. I have
Speaker 1: a proposition for you later, Okay, I can't wait. So
Speaker 1: and that comes in with the flexibility to like because
Speaker 1: I like planned FLEXI I planned flexibility so that I
Speaker 1: can create moments like that whenever. So those are my
Speaker 1: highest sales in the achievement one really came from that
Speaker 1: writing scenario when I was younger. I really felt a
Speaker 1: great sense of achievement in doing that and completing that task. Well,
Speaker 1: and it's just it's just come more into fruition, you know,
Speaker 1: becoming a full time writer as an adult. But it
Speaker 1: wasn't really the writing part that I valued. So creating
Speaker 1: this podcast, like every little episode is a is a
Speaker 1: small achievement, which just I love and creating resources for
Speaker 1: the Frugal Friends Club, So like I love creating these
Speaker 1: little mini challenges. MANI like courses. I love creating and
Speaker 1: and putting something out there into the world. It's very
Speaker 1: much my zone of genius, which is why, like I
Speaker 1: don't do coaching, like I don't do financial coaching, because
Speaker 1: that is not anything. It's not flexible. I don't feel
Speaker 1: like I've achieved anything. And it's like quasi community. But
Speaker 1: like you can't when you're coaching someone, You're not like
Speaker 1: being friends with them. You have to be like a
Speaker 1: coach um thing, you know, relationships. So it's like it
Speaker 1: meets zero of my values. It is something I don't
Speaker 1: enjoy doing so but yeah, so I've just you know,
Speaker 1: I I found flexibility. And then community is just something
Speaker 1: that's always been ingrained in me. Well I think that's
Speaker 1: probably because I'm an only child. I need people. Yeah,
Speaker 1: it's awesome, and I feel like having known you for
Speaker 1: the amount of time I have, I I see all
Speaker 1: of these things in you. And that's another piece that
Speaker 1: we didn't mention, asking those around you, like what do
Speaker 1: you see in me? What would you say I value
Speaker 1: based on how you see me spending my time, energy resources.
Speaker 1: But I think it's also worth saying that both of us,
Speaker 1: you and I Jen have zeroed in on our values
Speaker 1: more specifically, even since talking about values based spending more.
Speaker 1: I think what I first identified as my values are
Speaker 1: not what they are now. Not that my value shifted,
Speaker 1: just I came to deeper and deeper understandings or clarifications
Speaker 1: on how to define them what they are for me
Speaker 1: that and there's probably still room it could be discovered
Speaker 1: in a year or two from now. Oh maybe that
Speaker 1: isn't quite it. It was adjacent to that. And here's
Speaker 1: what it is. So permission to like name something now
Speaker 1: begin bringing things into alignment to those values, but recognize
Speaker 1: there's flexibility and freedom and that as well to say,
Speaker 1: oh that that might not have been quite right. Here's
Speaker 1: what I think it is. All that to say for me,
Speaker 1: the three that I've feel I've zeroed in on at
Speaker 1: this point our beauty, generosity, and community. And honestly, I
Speaker 1: think what helped me to realize this was tracking both
Speaker 1: my spending money and how I spent my time. That's
Speaker 1: not to say that I didn't see things in my
Speaker 1: spending of time and money that weren't truly a value
Speaker 1: to me. But for the most part, you know, we
Speaker 1: could talk a big game, but where we actually invest
Speaker 1: ourselves time and money is going to be really indicative
Speaker 1: of what truly matters to us. Again, doesn't mean that
Speaker 1: it's all fully in alignment, but it was quite telling
Speaker 1: of where does my money go? What does that actually
Speaker 1: say about the realities of what I value versus maybe
Speaker 1: what I have fantasized about myself and what I value
Speaker 1: and realizing okay, here it is, but then also giving
Speaker 1: permission to step into that in greater freedom of Oh okay,
Speaker 1: Like if if beauty is something I value, and that
Speaker 1: doesn't just mean I'm not talking like surface level beauty,
Speaker 1: although aesthetics and aesthetically pleasing things I do value, it
Speaker 1: doesn't mean I can't like be in aesthetically displeasing places,
Speaker 1: but also that can go to like deeper levels of
Speaker 1: like beauty and in humanity, beauty in the outdoors and
Speaker 1: being in nature. Like there's a lot of things that
Speaker 1: beauty means to me, but it helps me just for example,
Speaker 1: give myself permission to save and spend on renovating my
Speaker 1: house and making it a more beautiful place for my
Speaker 1: husband and I to live in, or spending money on
Speaker 1: travel because that allows me to go see beautiful places.
Speaker 1: And usually it means bringing people along who are just
Speaker 1: beautiful in like their character, in personhood and spending time
Speaker 1: with And that's community too. So there's there's a lot
Speaker 1: of different things that that can connect to. But I
Speaker 1: do believe that pretty much most of my transactions money
Speaker 1: transactions at this point, I could link to one of
Speaker 1: those three things. Yeah, and I see those things in
Speaker 1: you too, Like you are one of the most generous
Speaker 1: people I know, and I think that is a quality
Speaker 1: that is a value that a lot of people aspire to.
Speaker 1: And then I have just come to know like is
Speaker 1: not one of my core tendencies. And that's okay. It
Speaker 1: does it. It doesn't mean I'm not I don't have
Speaker 1: to be generous. I'm still like called to generosity in
Speaker 1: some way, but it's just like not my natural tendency.
Speaker 1: It is your natural tendency. So it's easier for you.
Speaker 1: And I see you are so extra in the way
Speaker 1: you get. Some of that is aspirational for me to
Speaker 1: like some of it is this I want to see
Speaker 1: this in myself, so I want to feed it. I
Speaker 1: want to nurture that in myself too, which is amazing.
Speaker 1: Give I love. I love seeing that, and yes, and
Speaker 1: I think it. It also impacts the way so you
Speaker 1: travel a lot, and a lot of people when we
Speaker 1: ask them about their core values, they say travel is
Speaker 1: a is a core value, but it it does run
Speaker 1: so much deeper than that. It affects how you travel. So, Jill,
Speaker 1: when you travel, you are traveling for beauty and community,
Speaker 1: and so that means you're traveling with others, You're staying
Speaker 1: in more aesthetically pleasing places, and you prioritize that over
Speaker 1: certain activities, whereas somebody who prioritizes or values adventure his
Speaker 1: fine staying at a hostel so that they can afford
Speaker 1: more activities and more activities filled like vacation. And so
Speaker 1: that's why, that's why the list that we have in
Speaker 1: our membership of core values, it was very carefully curated
Speaker 1: to make sure that it is person like self focused,
Speaker 1: which sounds mad, but um that is self focused and
Speaker 1: not like like externally focused. We want to see what
Speaker 1: are these values in ourselves so that we know how
Speaker 1: to spend our money on vacation, how to spend our
Speaker 1: money with our our friends and our family and stuff
Speaker 1: like that. So yeah, I love that. Thank you for
Speaker 1: sharing that. Oh, thanks for being vulnerable with me, absolutely,
Speaker 1: and thank you for listening. We so appreciate you, and
Speaker 1: we hope this has helped you narrow down your values
Speaker 1: and figure out how to incorporate them or filter your
Speaker 1: spending through them. And we can't wait to share more
Speaker 1: of this concept in other areas of your personal finances
Speaker 1: as well moving on this year, So thank you for listening.
Speaker 1: Just a reminder that the Frugal Friends Club is on
Speaker 1: sale and we are here for you in other ways,
Speaker 1: not just the podcast. So if you want to know
Speaker 1: what kind of successes are members are having, here's one
Speaker 1: of our favorite wins from last year. It's from Debbie
Speaker 1: and she says impulse spending down seventy five per cent.
Speaker 1: She says, I just went through my Amazon orders for
Speaker 1: one and compared it too. I haven't completely eradicated impulse
Speaker 1: of spending, but I have cut it by seventy five
Speaker 1: per cent. YEA. The primary thing I've stopped doing is done,
Speaker 1: done done cruising Amazon's Today's deals for things. I quote
Speaker 1: unquote need shout out to the whole Frugal Friends club
Speaker 1: group and my accountability group, the Detonators for the support
Speaker 1: which helps me stay on track and off the internet
Speaker 1: for impulse buys. It's honestly, it's not our stuff that's
Speaker 1: helping people most, it's the community inside. It's these accountability groups. Uh,
Speaker 1: it's this larger community. So which is cool because that's
Speaker 1: where you and I intersect. Jen. We both have a
Speaker 1: value of community, and it's so cool to see that
Speaker 1: coming out in the podcast. I mean, these other ones
Speaker 1: they play well together, but for both of us, that's
Speaker 1: a that's a strong value and it's you can see
Speaker 1: the effects of that trickling through the club the podcast.
Speaker 1: And I love the actual metric that you have on
Speaker 1: this Debbi that when I when I first read the title,
Speaker 1: I'm like down. I was like, how are you measuring that?
Speaker 1: How could you like, oh, maybe you know it's just
Speaker 1: like an arbitrary like, yeah, I just know I cut
Speaker 1: it a lot. But you were actually able to look
Speaker 1: back on what did I spend last year on Amazon
Speaker 1: and what did I spend this year and recognize most
Speaker 1: of that spending was impulse spending, and like actually do
Speaker 1: the math on like seventy five percent cut, which I
Speaker 1: love that Also about this time of year for for
Speaker 1: anyone who's listening kind of in the new year, that
Speaker 1: this gives a really good marker to be able to
Speaker 1: compare two and what will that mean for three. We've
Speaker 1: got this kind of whole picture of all four seasons
Speaker 1: and the way life was lived and see where progress happened,
Speaker 1: see where we might have fallen off the wagon. How
Speaker 1: that can inform next year. So so many amazing things
Speaker 1: and what you've just shared, Debbie, But ultimately, congratulations on
Speaker 1: this like very measurable improvement. Yes, uh so, thank you
Speaker 1: for listening. If this sounds like something you want to
Speaker 1: be saying next year, then check out our membership Frugal
Speaker 1: Friends podcast dot com slash club. The sale ends today,
Speaker 1: so if you're on the fence, check it out. See
Speaker 1: you next time. Frugal Friends is produced by Eric Sirianni.
Speaker 1: Since you have a hard time saying no to things
Speaker 1: that involves friendship, when we get together on Friday and
Speaker 1: we record Debt Free Stories, our new YouTube series Debt
Speaker 1: Free Stories Shameless Plug. When we record that together, we
Speaker 1: could maybe do a Sam's Club Ron because I'm canceling
Speaker 1: my Sam's Club membership for so I only have a
Speaker 1: little bit more time to use it. Yes, let us
Speaker 1: reward ourselves with dollars, Yeah, dollars, dollar pizza, dollar dogs,
Speaker 1: free samples. Oh yes, the hot dogs. Yes, the samples.
Speaker 1: I'm in um here. If we may have to pick
Speaker 1: up Kai and take him with us, which is fine.
Speaker 1: He will eat pizza, he will love it, and and
Speaker 1: then we can pick you up some convenience foods. Do
Speaker 1: we talk about that in this episode or the previous episode?
Speaker 1: Get you some of those last episode? Yes, bulk bulk bars.
Speaker 1: That's not bars to bulk me up, but like bulk
Speaker 1: quantities of snack bars. Thank you for affirming your value
Speaker 1: of community. If I just like instantly saying yes, whether
Speaker 1: or not it's a good idea for you, I yeah,
Speaker 1: I didn't have to think, um, because I know that
Speaker 1: this is a I have my values to filter my decision.
Speaker 1: So here we are, and because we're really friends who
Speaker 1: enjoy hanging out. Yes, that's I mean, that's why we
Speaker 1: do this. Okay, see Friday. Okay,