Speaker 1: Episode four fifty five, How to make your Kid a
Speaker 1: Millionaire with Andy Hill.
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 1: Mmm, Welcome to the Frugal Friends podcast. My name is Jen,
Speaker 1: my name is Jill, and today we are talking with
Speaker 1: our very good friend Andy Hill about something he is
Speaker 1: so passionate about. We are passionate about teaching people how
Speaker 1: to spend money. Andy is passionate about helping parents set
Speaker 1: their kids up for financial success. And it's a little
Speaker 1: clickbaity how to make your kid a millionaire, But really
Speaker 1: this episode is about the life skills and the skills
Speaker 1: at home to set your kids up for financial success
Speaker 1: and hopefully become a millionaire.
Speaker 3: It's got a lot of great insight and tips really
Speaker 3: on how to find the radical middle here. So even
Speaker 3: if it's not your goal to have your kid become
Speaker 3: a millionaire, you're still going to find some really helpful
Speaker 3: stuff here.
Speaker 1: Yes, but first, this episode is brought to you by
Speaker 1: Holiday Music. It is November first, if you are listening
Speaker 1: to this on the day it comes out, and for
Speaker 1: many of you, it is the day where all other
Speaker 1: music dies and only holiday music exists. Now that is
Speaker 1: a select group. The other select group waits until after Thanksgiving.
Speaker 1: Thanksgiving does fall a little late this year, so I
Speaker 1: think more people will fall into this group. But if
Speaker 1: you are not in the group of people that are
Speaker 1: strictly switching to holiday music today, then we encourage you
Speaker 1: to check out the soundtrack that we made to Buy
Speaker 1: What you Love Without Going, which at this point I
Speaker 1: hope you know, is the book that we wrote coming
Speaker 1: out in January, available for pre order now at buy
Speaker 1: whatolovebook dot com. But we really thought that books are
Speaker 1: a time capsule and they kind of reflect the author's
Speaker 1: thoughts and interests and what they're listening to in the
Speaker 1: season they're writing. So we thought it would be a
Speaker 1: cool to put together a playlist of the things Jill
Speaker 1: and I were listening to while we were writing the book.
Speaker 1: It's a little insight into what we lit our music tastes.
Speaker 1: We don't really talk about that on the show, so
Speaker 1: if you kind of want to behind the scenes into
Speaker 1: our personalities and maybe also how we're kind of different
Speaker 1: in our using tastes, then check out the soundtrack. Frugal
Speaker 1: Friends podcast dot com slash playlist, it's a Spotify playlist,
Speaker 1: and then do us a favor and pre order the
Speaker 1: book buy what you Love book dot com because you
Speaker 1: can find, at least for me some Easter eggs too.
Speaker 1: What I was listening to I've alluded to in the book.
Speaker 3: So oh yeah, that's fun. And you can tell which
Speaker 3: list is Gen's and which list is mine. We found
Speaker 3: songs that their titles are just our names. So there's
Speaker 3: a song titled Gen and then the nine songs below
Speaker 3: it are the song she picked, and then the song
Speaker 3: titled Jill and my nine songs.
Speaker 1: Yeah. So yeah, But so let's get back to the
Speaker 1: topic at hand, making your kid a millionaire. We know
Speaker 1: not everybody has kids, and those who do have kids
Speaker 1: have them at varying ages, and so this is really
Speaker 1: a conversation where we do touch on young kids, like
Speaker 1: the teaching kids about money as youngest three all the
Speaker 1: way up to teenagers, even if you're starting when they
Speaker 1: are teenagers. So I think that everyone will get something
Speaker 1: out of this. If you want to cueue up another
Speaker 1: episode to listen to after this episode. Thirty four Minimalism
Speaker 1: for Families with Don Madson really good one. We love
Speaker 1: Don and this just kind of takes the mindsets that
Speaker 1: we talk about with Andy kind of takes them a
Speaker 1: little bit further, and we talk about possession of stuff,
Speaker 1: but some of the things we talk about are are
Speaker 1: kind of overlapping. So Andy, if you are not familiar
Speaker 1: with Andy Hill, he is the host of the Marriage, Kids,
Speaker 1: and Money podcasts, and that podcast talks strictly about helping
Speaker 1: families build wealth without sacrificing happiness and there are He's
Speaker 1: got millions of downloads. He has an amazing podcast voice,
Speaker 1: and he's just the sweetest, like sweet sweet Andy.
Speaker 3: He's so kind. It's what we call behind is plenty
Speaker 3: of times in person too, and through and through. It's
Speaker 3: Andy is the same in every of these contexts, and
Speaker 3: it's always good.
Speaker 1: He is always sweet. But Andy you get on the
Speaker 1: show is the Andy in real life, and so it's
Speaker 1: always a joy to talk to him. We just rarely
Speaker 1: do it on the podcast, So let's do it. Yeah, Andy,
Speaker 1: Welcome to the Frugal Friends podcast. We're so glad to
Speaker 1: have you back. It's been a while, so glad to
Speaker 1: be back.
Speaker 4: It has been a while, and I love talking with
Speaker 4: you ladies outside of podcasts, but on the podcast it's
Speaker 4: even better.
Speaker 1: When we put on our podcaster voices, it just makes
Speaker 1: for that much better of a conversation.
Speaker 4: Absolutely, I'm always in for that.
Speaker 3: It's always fun to have friends even back again. And Andy,
Speaker 3: you are such an expert on talking about finances with children.
Speaker 3: Of course you talk about other things, but this is
Speaker 3: what we're focusing in on today, and I've got a
Speaker 3: spicy question for you. It has a little bit to
Speaker 3: do with one of the things that I've thought about
Speaker 3: from my own childhood with finances, and when I think
Speaker 3: about if I ever were to teach kid about finances,
Speaker 3: I'm Jill. I'm the one without kids done the one
Speaker 3: with them. So it's all theoretical for me, which is
Speaker 3: probably why I'll be the one asking the spicy question.
Speaker 3: I you know, I didn't grow up with a ton
Speaker 3: of money, and in many ways I feel like that
Speaker 3: formed me decently. There's some money mindsets that you know,
Speaker 3: I've needed to shift regarding scarcity and that kind of
Speaker 3: a thing and a better understanding of frugality, but in
Speaker 3: many ways having this value for earning. And I've had
Speaker 3: the thought and conversation with Eric in the past if
Speaker 3: we ever had kids, Like would we would we just
Speaker 3: give them a ton of money? Like would we set
Speaker 3: aside money for them for college? Like how much it
Speaker 3: shaped me to to have to pay my own way
Speaker 3: through college? Like it's kind of been this question. Again.
Speaker 3: We don't have kids, so we've never put it into practice,
Speaker 3: but curious your thoughts on this, Like for those who
Speaker 3: are putting aside money for their kids for college or
Speaker 3: just money in general, do you think that we're doing
Speaker 3: them a disservice with so much financial support? Is what's
Speaker 3: to be said about the whole working for it, earning
Speaker 3: it yourself? What do you think about this?
Speaker 4: I love that question. I like anything, and I know
Speaker 4: you ladies talk about this a lot on your show.
Speaker 4: It's about balance, right. I think that knowing how you
Speaker 4: grew up, a little assistance probably along the way might
Speaker 4: have not been all that bad, right, But giving you
Speaker 4: everything with no knowledge on how to use it long
Speaker 4: term could also be could also be bad? You know,
Speaker 4: so I like in it too. This whole generational wealth
Speaker 4: conversation can be can be a difficult one for people
Speaker 4: because people think of it as you know, like the
Speaker 4: Succession TV show, or like that's the kind of wealth
Speaker 4: we're talking about. No, we're talking about just helping your
Speaker 4: kids get an understanding and an ability to build their
Speaker 4: own wealth so that it can continue on for generations.
Speaker 4: So and that wealth, as you've talked about, a lot too,
Speaker 4: can be money, can be ability to use your resource
Speaker 4: as well, control of your time, these types of things,
Speaker 4: and valuing what you care about most. So as far
Speaker 4: as you know, loading the kids up with a bunch
Speaker 4: of dough and saying good luck, I think, like anything,
Speaker 4: if you don't have the know how on how to
Speaker 4: use tools, whether that be a bunch of money, or
Speaker 4: like if somebody said, hey, Andy, go fix my car
Speaker 4: in the garage right now, here's the tools, good luck,
Speaker 4: I have no knowledge on how to fix that car
Speaker 4: because I've not been prepared or I've never learned how
Speaker 4: to do that. It's the same thing with wealth. So
Speaker 4: if we PLoP a bunch of money on our kids
Speaker 4: and say hey, I've done my job, they're going to
Speaker 4: be wealthy in the future. I've seen it and definitely
Speaker 4: read about it and coach people through. When they get
Speaker 4: a lot of money with no knowledge on how to
Speaker 4: use it, it can get flitted away pretty fast. So
Speaker 4: I think we have to find a balance of showing
Speaker 4: our kids how to build wealth on their own, and
Speaker 4: that could be learning to earn a little bit more
Speaker 4: while while they're younger and as they grow so they
Speaker 4: can have their own money and have their own autonomy
Speaker 4: over the money and that decision, and then also how
Speaker 4: you can build wealth over time. So I think it's
Speaker 4: giving them the knowledge on how to use that resource
Speaker 4: so that it doesn't get flittered away.
Speaker 3: I really appreciate that putting it into context, pairing it
Speaker 3: with education. It's not just they know nothing about this
Speaker 3: and I'm just putting away to a five twenty nine
Speaker 3: and then one day.
Speaker 1: Money, money's here.
Speaker 4: Now I know what to do with it. Oh, I
Speaker 4: can use it for whatever I want. Ooh, that could
Speaker 4: be trouble. And you talk about a five twenty nine.
Speaker 4: I think that's a fun conversation that a lot of
Speaker 4: people have too, is like do I put money away?
Speaker 4: How do I put money away from my kids? If
Speaker 4: I want to have that generational wealth, does it five
Speaker 4: twenty nine make sense? Should I just put it in
Speaker 4: a regular kid's brokerage account? And sometimes having that restriction
Speaker 4: between those two things can actually be good If we
Speaker 4: talk about a kid's brokerage account, that's one of those
Speaker 4: things where we start to put money away and build
Speaker 4: up and then depending on your your estate and the
Speaker 4: age of majority, they could get this money at eighteen
Speaker 4: with no restrictions, which is nice because they could use
Speaker 4: it for whatever they want, but they could also use
Speaker 4: it for whatever they want, so without the knowledge on
Speaker 4: how to use it again, that could be dangerous territory.
Speaker 1: Yeah, I love your philosophy on this because it's so
Speaker 1: similar to how we view spending. Like nobody teaches you
Speaker 1: how to spend money, and therefore when you get money,
Speaker 1: you spend all of it and typically a lot of
Speaker 1: important things get lost along the way. And it's the
Speaker 1: same with like keeping money and earning money. But this
Speaker 1: is for children, for your children, and so I love
Speaker 1: this kind of wealth building as a skill, not as
Speaker 1: like a make rich kids sort of philosophy. And so
Speaker 1: I've seen a lot of parents go to extremes. Some
Speaker 1: will say I'm not going to save anything for a kid,
Speaker 1: they're on their own. The other side are saving for
Speaker 1: their kids cars, their kids college while they themselves are
Speaker 1: going deeper into debt, and they're like, it's fine, they'll
Speaker 1: take care of me when I'm old sort of mentality,
Speaker 1: where where do we find the radical middle of like
Speaker 1: how do how? What should we have in place before
Speaker 1: that we start thinking about sending our kids up for success.
Speaker 4: Yeah. If you're in a situation where you're like, well,
Speaker 4: I would I don't have a lot of money to
Speaker 4: just give to my kids because I'm still working on
Speaker 4: my financial situation, that's okay, Like, this is a fine
Speaker 4: situation to be in. You want to take care of
Speaker 4: yourself if you have high interest debt, if you're still
Speaker 4: building up that emergency fund to take care of yourself
Speaker 4: so that you are able to take care of your
Speaker 4: home and take care of your family, that's a good
Speaker 4: position to be in now. If you can't just give
Speaker 4: them a chore money or allowance money because you're working
Speaker 4: your way through that situation, that is totally fine. What
Speaker 4: you can do is talk to them about the journey
Speaker 4: that you're on on your financial journey, because they're going
Speaker 4: to listen to what you're doing. They're going to see
Speaker 4: your action that you're taking, and that's the best wealth
Speaker 4: knowledge that you can ever give them. Hey, I have
Speaker 4: a goal over the next twelve months twenty four months
Speaker 4: to be completely debt free, or wipe out this credit
Speaker 4: card debt, or start to be more responsible with my money,
Speaker 4: or pile this money up in a savings account so
Speaker 4: we're protected. If you take your kid on that journey
Speaker 4: with you and just talk to them about what you're doing,
Speaker 4: that is a wealth of knowledge. So physically giving them
Speaker 4: money during that time or helping to invest for their future.
Speaker 4: If you're not able to do that, think of this
Speaker 4: as an investment of your time and your words and
Speaker 4: just sharing your journey. And if you're not a personal
Speaker 4: finance expert and you're sharing this knowledge, that's okay. You're
Speaker 4: teaching them the reality of life, and that is a
Speaker 4: huge lesson.
Speaker 3: Yeah, the education is so important. I think I could
Speaker 3: have made so many better spending decisions had I just
Speaker 3: been more educated, had I been taught how to spend,
Speaker 3: that would have been invaluable. Right, what's that saying, give
Speaker 3: a man officially for a day, teach a man officially
Speaker 3: for a lifetime. It's really that concept in practice here.
Speaker 1: Yeah, do you think do you think that at least
Speaker 1: like how much debt paid off or how much emergency
Speaker 1: fund or kind of we have you know, some people
Speaker 1: say you should have like all your debt paid off,
Speaker 1: all your emergency fund, totally set yourself up, and then
Speaker 1: start like thinking about investing for your kids. I know
Speaker 1: there's a lot of things leading up to that, but financially,
Speaker 1: what do you think is like the best practice?
Speaker 4: I think getting into the habits of these things can
Speaker 4: be very helpful. So you know, when we talk about,
Speaker 4: you know, college savings things like that, I think there's
Speaker 4: a reason that some of the minimum deposits are like
Speaker 4: twenty five bucks a month, you know, because is it
Speaker 4: going to massively move the needle long term for huge
Speaker 4: wealth gains with regard to your college investing journey. Maybe
Speaker 4: not in the beginning, but you're developing that habit personally
Speaker 4: where you're saying, hey, twenty five bucks now while we're
Speaker 4: getting through our debt journey or saving for our emergency
Speaker 4: savings or building up our own retirement, because we've got
Speaker 4: to put a lot more towards our retirement right now
Speaker 4: than we do for our kids. But as you continue
Speaker 4: to compound these habits over time, maybe you get to
Speaker 4: a point where you're like, wow, I've saved so much
Speaker 4: from my retirement that we're going to be We're going
Speaker 4: to be pretty good. Why don't we shift our focus,
Speaker 4: our investing focus towards our kids now and then you
Speaker 4: increase that number, you know, so maybe it started at
Speaker 4: five bucks or twenty five bucks, or you know, whatever
Speaker 4: it ends up being, then you can increase that over time.
Speaker 4: So to your point, I think there are some parents
Speaker 4: out there that are saying, well, you know what, my
Speaker 4: life's not going to be that great financially, at least
Speaker 4: I can give it to my kids. That's a slippery
Speaker 4: slope because long term, if you're in your sixties and
Speaker 4: seventies and you got to come knocking on your rich
Speaker 4: kid's door to say, hey, will you take care of me?
Speaker 4: Because I totally loaded up that five twenty nine for
Speaker 4: you and the kid's brokerage and all those other things.
Speaker 4: So you're rich, can you take care of me?
Speaker 3: Now?
Speaker 4: I think we're doing our kids a disservice down the
Speaker 4: road if we're not taking our care of ourselves first
Speaker 4: and being financially strong and independent in our in our
Speaker 4: later years. So we must must take care of ourselves first,
Speaker 4: fill up our own cup. And so we're feeling good,
Speaker 4: and then what we have available for our children at
Speaker 4: that point is a luxury. This is a luxury conversation
Speaker 4: to be able to invest for your children, to be
Speaker 4: able to give them a bigger future maybe than you have.
Speaker 4: But it's important to take care of yourselves first. That
Speaker 4: being said again, money aside, these lessons can be imparted
Speaker 4: to your children at an early age knowledge of your
Speaker 4: financial journey, as well as teaching them how to make
Speaker 4: their own money too over time. You know, it's as
Speaker 4: simple as the lemonade stand. It's as simple as finding
Speaker 4: stuff around their room that they don't use anymore and
Speaker 4: posting it on Facebook marketplace and getting twenty five bucks
Speaker 4: there or ten bucks there. This is resourceful ways. These
Speaker 4: are resourceful ways for you to make money as a kid,
Speaker 4: and then give you that autonomy with your money, which
Speaker 4: is a great feeling at any age.
Speaker 3: I so appreciate this perspective on making sure that we
Speaker 3: are set first. We've talked before on this podcast too
Speaker 3: about how much more of a gift it is for
Speaker 3: us to be financially secure as we age, rather than
Speaker 3: putting that onto our kids. I think that there's a
Speaker 3: whole lot of permission in that for people who might
Speaker 3: not feel as though they've got all the extra cash
Speaker 3: to be setting aside for their kid, but yet that
Speaker 3: there are smart ways to be a to help our
Speaker 3: children if we can. And I appreciate that you've cushioned
Speaker 3: this as a This is a luxury conversation to be having,
Speaker 3: but it can be done in some small ways too,
Speaker 3: So for those of us who do want to see
Speaker 3: our kids experiencing different levels of education around finances and
Speaker 3: maybe a different financial landscape, and if we can make
Speaker 3: small choices that help them get there, what would you
Speaker 3: say those things are? If we want to set up
Speaker 3: our kids well financially, maybe even be able to experience
Speaker 3: that millionaire status at some point, what should we be
Speaker 3: focusing on now?
Speaker 4: Yeah, I would say to start off with, and I
Speaker 4: know you ladies talk about this a lot, is being
Speaker 4: savvy consumers themselves. So when you are out and about
Speaker 4: buying things, this is a great place to have a
Speaker 4: conversation with your kids. Talk to them about different prices,
Speaker 4: talk to them about what you value, talk to them
Speaker 4: about how it's important that you are making this choice
Speaker 4: on this purchase so that you can do these other
Speaker 4: things that you do value in your life. Those types
Speaker 4: of conversations are invaluable. So when you say, how do
Speaker 4: I teach my kids about money? Do life with them?
Speaker 4: Go out there and live life and then talk about
Speaker 4: money along the way, because that's all money conversations really are.
Speaker 4: We're just using money as a tool to help us
Speaker 4: live our lives. So I would first start off with
Speaker 4: being open and honest and having conversations about money. That
Speaker 4: having that structure at home can be very valuable. Now,
Speaker 4: of course, you can go way too far, like you know,
Speaker 4: hosting a podcast where you talk about money all the
Speaker 4: time and that your kids tell you to shut up.
Speaker 4: But there's always.
Speaker 1: Levels, right, My kids haven't gotten there yet.
Speaker 5: Yeah, exactly. Eventually maybe eventually, gen you'll get that. But
Speaker 5: the next level really is putting money in their hands,
Speaker 5: allowing them to make mistakes with money. And I say,
Speaker 5: I say it like proudly, it's okay to make mistakes
Speaker 5: with money, especially when you're a kid. If you make
Speaker 5: a ten dollars mistake at twelve, it's a lot better
Speaker 5: than making a ten one thousand dollars mistake at thirty two,
Speaker 5: you know what I mean? Like, it's let's get money
Speaker 5: in their hands so that they can learn about it,
Speaker 5: find what they value, and then then they can have
Speaker 5: a better existence with money. And so how can you
Speaker 5: do that? You can do that through like.
Speaker 4: A chore and reward program at home. You want your
Speaker 4: kids to participate a little bit more around the house.
Speaker 4: Are there little ways that they can help out? Age
Speaker 4: appropriate ways for them to learn and help out, because
Speaker 4: as they grow We've been doing this with our kids
Speaker 4: since they were like four or five, my daughter's now twelve.
Speaker 4: These kids have not only learned ways to support our
Speaker 4: family here around the house, but they've earned money along
Speaker 4: the way. And now at age ten and twelve, my
Speaker 4: kids do their own laundry and they take care of
Speaker 4: it themselves. It's just like I feel like I've raised smart,
Speaker 4: independent children that now have their own money and can
Speaker 4: make their own decisions. So, whether it's a chor and
Speaker 4: reward program at home or encouraging kids to make their money,
Speaker 4: make their own money outside of the home, whether that
Speaker 4: could you know, like a limited stand selling things on
Speaker 4: Facebook marketplace, or as they get older into that sort
Speaker 4: of preteen or teen level, finding ways to make money
Speaker 4: outside the house, babysitting, cutting lawns, things like that. That
Speaker 4: type of autonomy is what kids crave. They you know,
Speaker 4: having to go to mom or dad and saying can
Speaker 4: I buy this thing? Is this okay? Can we afford this?
Speaker 4: Eventually having their own money so they can make those
Speaker 4: decisions can be really empowering for kids, and it can
Speaker 4: become one of those things that's positively addicting. Like I've
Speaker 4: figured out that if I work hard, I can earn money,
Speaker 4: and then with that money, I can use it to
Speaker 4: be more independent, you know, and have some autonomy in
Speaker 4: my life. That is a great way to support your
Speaker 4: children as they're learning about money, and they're going to
Speaker 4: make mistakes along the way, and that's a good thing.
Speaker 3: I imagine this is something that can build upon itself,
Speaker 3: that there are age appropriate ways of approaching these types
Speaker 3: of conversations throughout childhood. But I'm curious if you've noticed, Andy,
Speaker 3: whether there's kind of a sweet spot of age where
Speaker 3: this is really where they start to understand and lessons
Speaker 3: sync in and having money in their hands is helpful
Speaker 3: and valuable. What age range would you say is really
Speaker 3: excellent for kind of really dialing in on some of
Speaker 3: these money lessons.
Speaker 4: Yeah, I think you can get started talking about money
Speaker 4: and life conversations with kids as early as three or four. Honestly,
Speaker 4: this is a conversation that you can have. They get it.
Speaker 4: They'll start to get it even more. Now. Do they
Speaker 4: realize conversations around compound interest at four or five? No,
Speaker 4: But you know what, you can still have them.
Speaker 6: You still well they understand limits, Like they know there's
Speaker 6: a limit to how much money you can have, there's
Speaker 6: a limit to what we can consume. So yeah, I've
Speaker 6: had these conversations with my five year old since, you know,
Speaker 6: since he started wanting stuff.
Speaker 4: Absolutely, and a big conversation you probably do have too,
Speaker 4: Jen is around that concept of delayed gratification as well.
Speaker 4: I know we struggled a lot with that. When we
Speaker 4: started to put put money in our kids' hands. It
Speaker 4: became one of those things where it's like I've got
Speaker 4: the money, I spend it. I got the money, I
Speaker 4: spend it, and so what we tried to put some
Speaker 4: guardrails around it and said, Okay, yes, we're going to
Speaker 4: earn that money. Most of it that you bring in
Speaker 4: is going to go towards smart spending. You're gonna have
Speaker 4: some fun with it, because hey, that that encourages you
Speaker 4: to want to earn more. Some of it's going to
Speaker 4: go to saving, some of it's going to go to investing,
Speaker 4: and some of it's going to go to giving. So
Speaker 4: that's just a portion of each of it that helps
Speaker 4: them to put some guardrails around all the money comes in.
Speaker 4: We're going to be able to help you to have
Speaker 4: a great now and enjoy that purchases and then also
Speaker 4: a great future as well, especially with the giving piece,
Speaker 4: because we feel that that is a key secret to
Speaker 4: happiness for a lot of people. Having a little bit
Speaker 4: of your money set aside to give to people to
Speaker 4: make a difference in the world can really help you
Speaker 4: with that that enjoyment of life and a big part
Speaker 4: of that delayed gratification too. We put some guardrails at
Speaker 4: least around our house to saying, okay, maybe two purchases
Speaker 4: a month, you know, would make sense, because sometimes we
Speaker 4: found our kids buying something and they play with it
Speaker 4: for five minutes and then you know, it's new trash
Speaker 4: in the dumpster, and then they want to buy something
Speaker 4: else right after. So if you can think about our
Speaker 4: evolved brains here now as we're having this conversation, kids
Speaker 4: do not have those evolved brains just quite yet. So
Speaker 4: we have to help them along and realize that there
Speaker 4: are limits to certain things and do that parenting that's
Speaker 4: really important in the.
Speaker 3: Beginning, beyond the education and the just showing them how
Speaker 3: we do life and make money decisions. Are there other
Speaker 3: specific things like for the parents who do have the
Speaker 3: little bit of extra cash to be setting aside, where
Speaker 3: do you recommend that they start putting that for their kids?
Speaker 4: Yeah, I would say if they have that extra money.
Speaker 4: And then again it's important to make the kids a
Speaker 4: part of that process too. If you have the ability
Speaker 4: to support your kids with their investing journey, if they
Speaker 4: have earned income, a roth ira for kids is a
Speaker 4: fantastic place to put that money. That can help you
Speaker 4: grow and help them to have a set retirement in
Speaker 4: their in their sixties and they're starting off investing in
Speaker 4: their oh Man pre teens or teens, that would be
Speaker 4: fantastic to help them with their retirement journey. Now, if
Speaker 4: we're talking about other things with regard to long term
Speaker 4: investing goals, and that's what we like to talk about
Speaker 4: with kids with regard to investing, investing is for really
Speaker 4: big things in the future, and then saving is for
Speaker 4: sort of near term things that you want. So if
Speaker 4: you're able to have those types of conversations and break
Speaker 4: it down in that simple, simplistic way, I think that
Speaker 4: helps kids because I often talk to my kids about
Speaker 4: investing and then they forget about it. But if I
Speaker 4: remind them and saying this, it's for really big stuff
Speaker 4: in the future. And those big things could be retirement, college.
Speaker 4: College is a really big expensive thing that could be
Speaker 4: in the future. Maybe even home ownership, you know, the
Speaker 4: way that home ownership is growing and the costs of
Speaker 4: it might be something we need to consider investing for
Speaker 4: in the future. Now. A great avenue for a lot
Speaker 4: of this lately is with a five twenty nine college
Speaker 4: savings account. You can invest with a five twenty nine
Speaker 4: college savings account for future expenses for college or education.
Speaker 4: You can also go to trade school with it. You
Speaker 4: don't have to go to a four year university. And
Speaker 4: there's been some great changes recently in the US with
Speaker 4: regard to how you can use that a five to
Speaker 4: twenty nine long term Eventually you can roll some of
Speaker 4: it over if it's not all used for education purposes,
Speaker 4: into a roth I ray in the future for that
Speaker 4: individual child, not for yourself, but for that for that child.
Speaker 4: So there's a lot more flexibility with a five twenty
Speaker 4: nine college savings account recently. So that's a good avenue
Speaker 4: to consider besides a roth iray for kids.
Speaker 3: Cool?
Speaker 1: Yeah, So what is the component outside of finances that
Speaker 1: makes this stick, like that really ensures that our kids
Speaker 1: are going to even out after we stop teaching them
Speaker 1: about the finances. What do you think you found that
Speaker 1: really makes this like take hold for them and that
Speaker 1: they have been because clearly your kids they're doing their laundry,
Speaker 1: you know, like my biggest victory, right, So like what
Speaker 1: what do you think is the biggest thing that makes
Speaker 1: the sticks to make sure that our kids will make
Speaker 1: good use of their earned income and given money.
Speaker 4: Yeah, I would say it's two things. I would say,
Speaker 4: It's a lot easier for your kids to continue to
Speaker 4: do these positive habits as long as you are personally
Speaker 4: demonstrating these positive habits too. If you say, hey, kids,
Speaker 4: smoking's real bad. You're smoking a cigarette it every day,
Speaker 4: It's it's going to be hard to impart that advice
Speaker 4: long term. And I would say secondly, I would say
Speaker 4: it's consistency, you know, making sure that you are supporting
Speaker 4: them along the way and keeping that message going. And
Speaker 4: that's through communication. So if you have an open home
Speaker 4: where you're able to talk about wealth, building money, you know,
Speaker 4: utilizing your resources in a smart way, values based spending,
Speaker 4: a lot of these types of conversations, and you keep
Speaker 4: that dialogue open, they're going to want to find people
Speaker 4: in their lives as they move towards teenager and beyond
Speaker 4: that adhere to some of those values as well, and
Speaker 4: then they'll create community with those type of people and
Speaker 4: it will continue to live on. But I think if
Speaker 4: you're an example of those types of things and then
Speaker 4: you keep it an environment in your home where you're
Speaker 4: open and honest about those values that you have, I
Speaker 4: think you're setting your kids up for success.
Speaker 3: A little bit of a curveball here, what about curious
Speaker 3: if you've run into this for maybe some of our
Speaker 3: friends who have older kids, who they themselves are just
Speaker 3: starting to understand how to how to spend better, how
Speaker 3: to align spending with their values. And so they've got
Speaker 3: teenagers who want all the new stuff. To the teenagers
Speaker 3: right there. I don't know many, but they're they're getting
Speaker 3: the high quality skincare and they want the really nice sneakers,
Speaker 3: and and a lot of times their friends are getting
Speaker 3: that too, like dealing with the things that we deal
Speaker 3: with as adults, only without that fully developed brain yet,
Speaker 3: and maybe the responsibilities of rent and car insurance and
Speaker 3: all of these things. How can we if we haven't
Speaker 3: been training our children from age three and now we're
Speaker 3: just starting at thirteen, fourteen, fifteen, what can be said?
Speaker 3: Please tell us it's not a lost cause.
Speaker 4: No, I don't think it's a lost cause, but I'll
Speaker 4: be honest with you, it's going to be harder than
Speaker 4: starting earlier, like anything in life, right, I mean what
Speaker 4: we can do though, if we're in that situation. Let's
Speaker 4: say where we've got some teenage kids and maybe they're
Speaker 4: not doing chores around the house, and they're a little
Speaker 4: entitled and they want to have the best sneakers because
Speaker 4: they feel like they deserve them. I think this is
Speaker 4: going to take an opportunity for one percent improvements. What
Speaker 4: can we do today to start making a little change. Okay,
Speaker 4: maybe saying, hey, you're all doing your own laundry right now,
Speaker 4: even though you haven't been doing at all. What can
Speaker 4: we do to add one little chore into the week?
Speaker 4: And this is maybe a family meeting. Hey, your husband
Speaker 4: and me or my mom and me are feeling a
Speaker 4: little overwhelmed in the house. We need a little bit
Speaker 4: more from you, guys. We know that throwing a bunch
Speaker 4: of things at you at once is probably going to
Speaker 4: be our opportunity for failure. This is one thing that
Speaker 4: I need you to get done this week, and we're
Speaker 4: going to start having some conversations about ways that you
Speaker 4: guys can all support over time. But again starting with
Speaker 4: communication and open conversation about it instead of whining about
Speaker 4: the kids. Let's make it a family conversation. Then also
Speaker 4: modeling it. Right, are you pitching in around the house
Speaker 4: and your kids are sitting around watching YouTube while you're
Speaker 4: doing a bunch of stuff. Okay, you've at least done
Speaker 4: your side. Now let's have some conversations about what we
Speaker 4: can all do to jump in. And again, it's not
Speaker 4: going to get perfect overnight. Just be happy with one
Speaker 4: percent improvements over time. But yes, this is definitely worth
Speaker 4: it long term because then you're creating kids that don't
Speaker 4: feel entitled, that understand the value of money, that know
Speaker 4: that if they really want something, they should work hard
Speaker 4: for it. Because that's what life is really.
Speaker 3: Yeah, yeah, I think I've been reminded recently that we
Speaker 3: can pick up life skills even later in life. It's okay.
Speaker 3: If we didn't learn how to cook, how to clean
Speaker 3: when we were twelve, we can learn it now. We
Speaker 3: can learn how to spend better, we can learn what
Speaker 3: our own values are, we can shift some of these habits.
Speaker 3: So that's been encouraging for me too. But yeah, it's
Speaker 3: similar conversation to I think getting a spouse on board,
Speaker 3: how do I get my kids on board? How do
Speaker 3: I get a teen on board? And I think you're
Speaker 3: really highlighting the important piece of we've got to do
Speaker 3: it first, and we've got to model it and then
Speaker 3: be invitational with it and invite your kids, your spouse
Speaker 3: into it. Find ways that are going to connect with them,
Speaker 3: make sense to them, maybe even be motivational for them.
Speaker 3: So yeah, thanks for your encouragement and hope offered.
Speaker 1: And you know, but I gives me a lot of
Speaker 1: hope everyone, even for teenagers. I think even for teenagers
Speaker 1: they would find hope in this.
Speaker 7: The bill of the week.
Speaker 8: That's right, it's time for the best minute of your
Speaker 8: entire week. Maybe a baby was born and his name
Speaker 8: is Williams. Maybe you've paid off your mortgage, maybe your
Speaker 8: car died, and you're happy to not have to pay
Speaker 8: that bill anymore. That bills bffalo bills, Bill Clinton.
Speaker 7: This is the bill of the week.
Speaker 4: You got me good there. I know I was right.
Speaker 1: Andy. Every week we yell at our guests and ask
Speaker 1: them to share with us their bill of the week,
Speaker 1: and we leave it very vague, and I know that
Speaker 1: you have one for us.
Speaker 4: Oh, yes, I definitely do. Yes. My bill of the
Speaker 4: week lately, and it's pretty pretty new to me is
Speaker 4: doing a a dinner meal kit to the house. And
Speaker 4: it has been money well spent. And I'll tell you why,
Speaker 4: talk about modeling. I wanted to be more, I guess,
Speaker 4: a better husband. And I definitely noticed that the making
Speaker 4: of dinner has been more on my wife's plate over
Speaker 4: the past. Oh, guest, we've been married for fourteen years.
Speaker 4: Fourteen years, and I said, okay, what can I do
Speaker 4: to do better at this? Because you try your best
Speaker 4: and then you run out of time, or you run
Speaker 4: out of ingredients, you don't have ideas, and the dinners
Speaker 4: that you do make kind of fall flat. So I said, hey,
Speaker 4: I'm I'm gonna splurge a little bit and get this
Speaker 4: meal kit, and it's actually not much more than I
Speaker 4: thought it was going to be, so that the value
Speaker 4: is really great. And the benefit of it is that
Speaker 4: it's it comes with a healthy ingredient list and they
Speaker 4: send it all to you and then you're making this
Speaker 4: thing in about thirty minutes, and man, I've made a
Speaker 4: happier wife and we're all eating healthier and it's been fantastic.
Speaker 4: I would highly recommend the food and actually eating the food.
Speaker 4: That's the other thing, because we do go to the
Speaker 4: grocery store. I'll buy the things, and then by the
Speaker 4: time I'm ready to make it, it's gone bad, and
Speaker 4: so there's a lot of waste. So this is sort
Speaker 4: of like a hybrid version of not eating out as
Speaker 4: much and then going to the grocery store and then
Speaker 4: buying stuff that we don't actually cook.
Speaker 3: So I like it. I love this too, because I
Speaker 3: think we absolutely can pay for convenience, especially when it
Speaker 3: brings about some of our core principles of simplicity and
Speaker 3: efficiency and honoring our season of life. It's recognizing where
Speaker 3: you're at right now. You are you've got kids, life
Speaker 3: is busy, but yet you have this greater goal of
Speaker 3: contributing eating healthy, eating at home, and it's hitting all
Speaker 3: of those things and to the life skills piece. Right,
Speaker 3: we don't all come we don't come out of the
Speaker 3: womb knowing really anything, and some of us know less
Speaker 3: than others by the time we're into adulthood. And cooking
Speaker 3: for many of us is one of those things. And
Speaker 3: I got to imagine that you're learning ingredients and how
Speaker 3: to pair it together and different cooking skills that eventually,
Speaker 3: who knows, maybe you will become creative and cook your
Speaker 3: own meals. But for now, for learning, for building a skill,
Speaker 3: for efficiency, and all these other goals that you have.
Speaker 3: Here it is it's a bill you don't mind paying.
Speaker 3: I just I love it so much. And I think
Speaker 3: I can't emphasize this enough because so often frugality does
Speaker 3: get paired with it's the race to the bottom. You
Speaker 3: do everything yourself. Everything needs to be as inexpensive as possible,
Speaker 3: and like, that's not it, that's not where it's at.
Speaker 3: Sometimes we adjust our spending to align with all of
Speaker 3: our higher, more important goals, and you're doing that. This
Speaker 3: is a perfect example. So thanks Andy the.
Speaker 4: Word splurge, which was like, I feel like that's even
Speaker 4: the wrong word for it. It's like, this is something
Speaker 4: that brings value to me and my family, and it
Speaker 4: hits an important thing that I need right now.
Speaker 1: So we're just we're conditioned to believe that bare minimum
Speaker 1: is the only acceptable expense and anything above that is
Speaker 1: a luxury, when sometimes the goal isn't to eliminate spending,
Speaker 1: it's to just maybe lessen it or to align it.
Speaker 1: Maybe we're spending the same exact amount, but we're spending
Speaker 1: it in different places, So there's the story is just
Speaker 1: going to be different for everyone. And I think as
Speaker 1: frugal people, we can be judgmental about how other people
Speaker 1: spend their money, and I hope we're just trying to
Speaker 1: lessen that with our frugal friends listeners.
Speaker 4: Yeah. Absolutely, and probably most judgmental of ourselves, you know exactly.
Speaker 1: The people who are most judgmental of others are typically
Speaker 1: most judgmental of themselves.
Speaker 3: Yeah.
Speaker 4: Yeah, well I'm working on it. Thank you.
Speaker 3: If you all listening have a bill that you want
Speaker 3: to share, if it has to do with the ways
Speaker 3: in which you are honoring your season, creating efficiency and
Speaker 3: simplicity and values based spending. Or if your name is
Speaker 3: Bill and you just found yourself here and you didn't
Speaker 3: know why, now you do. Frugal friendspodcast dot com slash Bill,
Speaker 3: leave us your bill talk about be and Bill. We
Speaker 3: can't wait to hear it. And now it's time for
Speaker 3: the light.
Speaker 1: All right, Andy, we will all answer this. This is
Speaker 1: the vulnerability round. What do you believe is a simple
Speaker 1: money lesson every child should learn?
Speaker 4: A simple money lesson every child should learn. I would
Speaker 4: say the ability to have delayed gratification. I know I'm
Speaker 4: going to probably use that one again, but if we
Speaker 4: are talking about ways to become savvy consumers and learning
Speaker 4: that all of our joy doesn't need to come from
Speaker 4: the stuff we're told we need to be buying, I
Speaker 4: think that's a great lesson to learn early.
Speaker 3: Yes, that's a hard one though, it's it's hard for all,
Speaker 3: especially for a little baby brain. Think about babies.
Speaker 4: It's very important to train though, and it's.
Speaker 1: Well, you're not teaching delayed gratification something baby differend. The
Speaker 1: answer says child.
Speaker 3: Honestly, like anyone under twenty is a baby to.
Speaker 4: Me, I love it.
Speaker 3: Well, you're next, I would say, the value of all resources,
Speaker 3: so recognizing the value of friendship and resources as well
Speaker 3: as money. Kind of how to manage all of these pieces. Well,
Speaker 3: I can't say that's totally simple, but I do think
Speaker 3: that there's simple ways of instilling that. Yes, what would
Speaker 3: you say?
Speaker 1: I mentioned it earlier, but I'm going to stick with limits,
Speaker 1: teaching a child that there is a limit to how
Speaker 1: much you can consume. There's a limit to what we
Speaker 1: can buy, and you can increase those limits, like the
Speaker 1: limits can be increased, but the limit will still be
Speaker 1: there because in adulthood you can earn more, but you
Speaker 1: cannot have more than what is currently in your bank account.
Speaker 1: So it's a thing that I think a lot of
Speaker 1: adults don't comprehend. So I think that has been my
Speaker 1: goal with Kai. At least Atlas does not acknowledge limits.
Speaker 3: He's still baby brain.
Speaker 1: He is a tyrant.
Speaker 4: I don't want me on the counter.
Speaker 3: This is my new bed.
Speaker 1: Yeah, we're gonna have to figure out maybe something a
Speaker 1: different strategy with him, But Kai, that has been something
Speaker 1: I've tried.
Speaker 3: To Can you give an example, I'm putting on the
Speaker 3: spot how you've highlighted a limit with Kai?
Speaker 1: So we'll go. If I am rewarding him with something
Speaker 1: at target, I will say that there is a ten
Speaker 1: dollars limit or a twenty dollars limit. There's also there.
Speaker 1: The limit is based on how big the thing is
Speaker 1: he did to like achieve the reward. So when he
Speaker 1: was screaming and crying for three weeks of the first
Speaker 1: three weeks of kindergarten, that was a big The limit
Speaker 1: for that reward was bigger. It's five hundred dollars, right, well,
Speaker 1: I said, for if you go one day, then it's
Speaker 1: a five you get a gift. If it's a five
Speaker 1: dollar limit, if you go in the whole week, then
Speaker 1: we up that. I think it was like twenty five
Speaker 1: or something. So the limit increases the harder the task is.
Speaker 1: And then we would go through and he would look
Speaker 1: at the numbers and he doesn't know decimals yet, but
Speaker 1: he could see the first number and see is it
Speaker 1: thirty five? Is it fifteen? If it's fifteen, then we can,
Speaker 1: you know, also get a five things? So can you
Speaker 1: you want more things or one bigger thing? And usually
Speaker 1: he wants more. So, yeah, that has been a way
Speaker 1: that we've talked it out.
Speaker 3: Nice. Thanks for Thanks for humoring me. Thank you Andy
Speaker 3: for humoring us and enlightening us and educating us. There's
Speaker 3: so much more to be said on this topic. So
Speaker 3: where can people get more from you?
Speaker 4: Yeah? I love talking about this topic. Actually created a
Speaker 4: course based on it. It's called Make My Kid a Millionaire.
Speaker 4: I actually have a free resource for your audience that
Speaker 4: is a section about the sixty forty generational Wealth Plan
Speaker 4: that we talk about, you know, and breaking that down
Speaker 4: to make things a little easier for kids. And you
Speaker 4: can find that at marriage kidsomoney dot com slash Gen
Speaker 4: and Jill. That's marriage kidsomoney dot com slash Jen and Jill.
Speaker 4: That's a free resource for everybody to check out. And
Speaker 4: if you like listening to podcasts, I've got one too.
Speaker 4: It's called Marriage, Kids of Money. Actually have my kids
Speaker 4: on the podcast and we talk about these types of things.
Speaker 4: I have my twelve year old on and we talk
Speaker 4: about budgeting and investing and planning and the things that
Speaker 4: she values as well. And my son comes on and
Speaker 4: talks about good news stories that are happening out there
Speaker 4: where people are giving back and supporting their community. So
Speaker 4: you can check that out at Marriage, Kids and Money
Speaker 4: that's lovely.
Speaker 1: Thank you, Andy, And we'll have that link in our
Speaker 1: show notes so it's an easy click for you guys
Speaker 1: all to get that freebie.
Speaker 4: Thank you so much.
Speaker 1: I very much appreciated where this conversation went, because I'm
Speaker 1: glad we started it out with your question, Jill. It's
Speaker 1: a question like I have too, even with kids. What
Speaker 1: is that line between setting my kids up for success
Speaker 1: but also holding the responsibility of what they do with
Speaker 1: that success, or how much they have a responsibility to
Speaker 1: create their own success.
Speaker 3: Not robbing them from opportunities for growth, Because really, difficulties
Speaker 3: are just that opportunities for learning. And so I think
Speaker 3: sometimes I can equate setting a child up with a
Speaker 3: lot of money as rescuing them from any type of struggle,
Speaker 3: and I think Andy helped to clear up that that
Speaker 3: doesn't have to be the case. We can still allow
Speaker 3: our kids to experience what it's like to earn, to work,
Speaker 3: to understand boundaries and limitations while still being kind and
Speaker 3: loving to them. And in some ways that means financially
Speaker 3: kind and loving too.
Speaker 1: Yeah, and Andy's course is fully aligned with what we
Speaker 1: talked about on the show. Like no curveballs, it does
Speaker 1: really focus on all these peripheral things around investing for
Speaker 1: your child, not just how to set up the right
Speaker 1: rath Ira or five twenty nine to grow them into
Speaker 1: a millionaire, but a lot on the chore and reward
Speaker 1: and the mindset like teaching those kinds of things. So
Speaker 1: I really love it. You can get it and the
Speaker 1: freebe at Marriage kidsomoney dot com slash genanjil. But we
Speaker 1: would recommend it even if you use that link. You
Speaker 1: do support the show. We would recommend it even if
Speaker 1: you just got it from his website of Marriage Kids.
Speaker 3: In Mind, but it is free if you use that link.
Speaker 1: Yeah, the course is not free, but the course is
Speaker 1: very reasonable price. I think it's like under got fifty bucks. Okay,
Speaker 1: So yeah, I hope that this helped you, whether you
Speaker 1: have young kids, older kids, thinking about having kids, maybe
Speaker 1: you're an auntie and you want to help your nephews
Speaker 1: and nieces learn more about money. Hope this, uh, this
Speaker 1: helped you get some ideas for that.
Speaker 3: Thanks so much everyone for listening, and thank you to
Speaker 3: those of you who have left us a review in
Speaker 3: the past, like this one from AMO seventy five to
Speaker 3: ten says fun and easy listen five stars. This is
Speaker 3: a great one to have on when doing chores, driving
Speaker 3: kids around, et cetera. Their style feels like you're listening
Speaker 3: in with friends. Deaf recommend thank you. This is what
Speaker 3: I would hope people are doing. This is driving around.
Speaker 1: This is an episode to drive around with your kids.
Speaker 3: It's funny because I have told all of our guestses
Speaker 3: they come on and have started to add in like, oh,
Speaker 3: we're also a non explicit show because we know there
Speaker 3: are those of you out there driving around with your
Speaker 3: kid kids, and maybe your kids are picking up on
Speaker 3: what we're talking about here. You don't have to be
Speaker 3: the expert talking to them. You can just listen to
Speaker 3: podcasts about money within their vicinity. And we really want
Speaker 3: this to be potentially even an accessibility point for the
Speaker 3: kids that you have in the car, So it is
Speaker 3: important for us to make it kid friendly. That said,
Speaker 3: the playlist that we directed you all to might not
Speaker 3: be as kid friends, so buyer beware.
Speaker 1: I will well, I'll say most of my side of
Speaker 1: the playlist is fine, and I would say most, not
Speaker 1: one hundred eighty percent. I get eighty twenty you do,
Speaker 1: and Jill says twenty eighty, So yeah, the have your
Speaker 1: headphones one.
Speaker 3: The parameters for it were what were you listening to
Speaker 3: while you wrote.
Speaker 1: That Book's true? Those were the print and a peak
Speaker 1: like into our actual personal preferences. Yeah, so yeah, thank you.
Speaker 3: It'll be all over the map for me.
Speaker 1: Thank you for listen. If you enjoyed the show, please
Speaker 1: take a minute to leave or rating and review. It
Speaker 1: helps potential new listeners know what our show is all about.
Speaker 1: And we just we love being encouraged by you. It
Speaker 1: fills our cub.
Speaker 3: See you next time.
Speaker 1: Bye. Gorugal Friends is produced by Eric Sirianni. The making
Speaker 1: of this soundtrack is was so fun for me. I
Speaker 1: I really.
Speaker 3: Need distraction from the rest of life.
Speaker 1: I know, right, we did not need to do it.
Speaker 1: It's not going to help us sell books probably maybe
Speaker 1: waybeat if you if you buy it after listening to
Speaker 1: the soundtrack, please let me know. And it people are
Speaker 1: always like hungry for more of you, like, but you
Speaker 1: don't know like how much to give, right, Like what's
Speaker 1: the line? What's the balance? And this is a good
Speaker 1: this is a good way to like this is what
Speaker 1: I listened to in my car and you could be
Speaker 1: listening to it in your car and we can feel connected.
Speaker 3: Yeah, it's usually what I'm listening to when I'm doing chores.
Speaker 3: I did listen to soft music while writing the book,
Speaker 3: so maybe I'll throw that in there too, just to
Speaker 3: balance it out. It really will be all over the place,
Speaker 3: but you know what, you'll get it because I'm a
Speaker 3: little all over the place.
Speaker 1: And you'll I'm scared this will alienate some of our
Speaker 1: listeners to being like, oh, I'm definitely a Jill. I
Speaker 1: can't relate as much with Jen her her playlist is
Speaker 1: it's not mellow, it's I mean, I think it's well rounded.
Speaker 3: I mean mine's gonna be all over the map. So
Speaker 3: it could mean that, like I capture a lot of
Speaker 3: different people, because.
Speaker 1: That's what I'm thinking mine. For sure it is for
Speaker 1: a select like musical preference, or you will gather a
Speaker 1: wider group.
Speaker 3: Did you think about the order in which you went
Speaker 3: with your songs? A little, but not much.
Speaker 1: If you listen to it, I want to listen to yours, Oh,
Speaker 1: except I know there's going to be a song from
Speaker 1: p D on there and I'm not an oh pet.
Speaker 3: Have you listened?
Speaker 7: Yes?
Speaker 1: Oh no, I will listen to the one song you
Speaker 1: put on your playlist, though from pet.
Speaker 3: I will probably think about order.
Speaker 1: I didn't have to worry though about thinking, oh, should
Speaker 1: I put this on? Will Jill pick this? I didn't
Speaker 1: have to think about that for.
Speaker 3: Any of the songs I picked. Are you sure absolutely so?
Speaker 3: You didn't put Yummy by Justin Bieber on there? Though
Speaker 3: I do love that one. That is kind of our
Speaker 3: theme song, but it's not what I was listening to
Speaker 3: in the season while I was writing the book. I didn't.
Speaker 1: I don't listen to music with words while I'm writing,
Speaker 1: but I'm just like in the car doing chores.
Speaker 3: My Spotify rapped for last year. Actually, I think you
Speaker 3: and I got a similar result. It called us both vampires.
Speaker 3: Yes it did, because, well, at least for me, I
Speaker 3: pretty much listened to like the same thing and I
Speaker 3: suck it dry.
Speaker 1: So yeah, oh, I was in the top half percent
Speaker 1: of listeners for Fallout Boy. I listened to more Fallout
Speaker 1: Boy than almost anyone other than Pete Wentz.
Speaker 3: A way that Eric, my husband, has influenced me, is
Speaker 3: by album listening, not just song listening. So even creating
Speaker 3: a playlist is a little bit different for me in
Speaker 3: the last like ten years. But I mean definitely hails
Speaker 3: back to the college high school days when like playlists
Speaker 3: were all the rage. But it is hard for me
Speaker 3: just to pick a song because I'm very much I
Speaker 3: really like this album, listen to the whole album.
Speaker 1: Well, just give your favorite song from the album, and
Speaker 1: then people will go to the album. Yeah, it's not
Speaker 1: that I'm a mega follow up Boy fan, It's just
Speaker 1: that it's really good running music. Oh so I listened
Speaker 1: to Yeah, I did a lot of I mean, are
Speaker 1: in a half marathon last year, so I did a
Speaker 1: lot of training and I listened to almost exclusively follow
Speaker 1: up when I run, and that is why I'm in
Speaker 1: their top I think Noah con is probably what I
Speaker 1: listened to the most last year when I wasn't running.
Speaker 1: So that's that's last year though. There there is though,
Speaker 1: because I was writing last year. There is a follow
Speaker 1: up boy song and a Noah Khan song on my playlist.
Speaker 1: Gotta had to put him in there.
Speaker 3: Well, gotta get the playlist to hear you got the
Speaker 3: podcast dot com slash playlist.
Speaker 1: Yeah, this one's free, no opt in, no email required,
Speaker 1: just wow, you're giving it away, yeah wow?
Speaker 3: And then if you do listen, please pre order the book.
Speaker 3: Join us. Join us in pre ordering the book to
Speaker 3: connect with us through what we were listening to at
Speaker 3: the time.