WEBVTT - How to Give Away Your Money #024 0:00:00.040 --> 0:00:02.880 Welcome to How to Money. I'm Joel and I'm Matt 0:00:03.000 --> 0:00:25.040 and today we're talking about how to give your money away. Yeah, man, 0:00:25.000 --> 0:00:26.280 that's freight to day on the shore. We're gonna talk 0:00:26.280 --> 0:00:27.960 about why you should give your money away, why it's 0:00:27.960 --> 0:00:30.280 actually beneficial to you, and then how to give your 0:00:30.280 --> 0:00:33.120 money away, choosing where to give and making sure your 0:00:33.159 --> 0:00:37.880 money is actually going to charities that will use it. Well. Yeah, Joel, 0:00:37.920 --> 0:00:40.280 And that actually makes me think of a recent comment 0:00:40.320 --> 0:00:42.600 that we had on our site by Sarah, and she 0:00:42.680 --> 0:00:45.040 had mentioned how, you know, she liked how we have 0:00:45.080 --> 0:00:47.560 a good balance between living a frugal life but also 0:00:47.680 --> 0:00:51.599 enjoying life and you know, giving money away and being charitable. 0:00:52.240 --> 0:00:54.240 That kind of falls on the side of living that 0:00:54.320 --> 0:00:56.240 good life, right, because if we were only about being 0:00:56.320 --> 0:00:59.240 cheap and like living that frugal life, it's like, well, 0:00:59.560 --> 0:01:01.560 I don't really have money to give away to other people. 0:01:02.360 --> 0:01:04.160 A big part of what we try to, you know, 0:01:04.200 --> 0:01:07.199 what we strive towards is all aspects of enjoying life, 0:01:07.200 --> 0:01:09.880 and included in that, you know, is giving money away. 0:01:09.959 --> 0:01:11.840 So so if you've listened for a while, you know 0:01:12.040 --> 0:01:13.800 that's gonna sound familiar. That's the kind of what we 0:01:13.800 --> 0:01:16.320 talk about every week, right, We try to balance the two. 0:01:16.720 --> 0:01:18.320 But if you're a new listener and you're kind of 0:01:18.319 --> 0:01:20.479 wondering why it is that we're talking about giving money 0:01:20.480 --> 0:01:25.160 away when this is a podcast about money and beer, well, 0:01:25.200 --> 0:01:27.440 you know, that's why we try to enjoy life, but 0:01:27.560 --> 0:01:30.560 we're also striving to be why stewards of our money 0:01:30.560 --> 0:01:33.040 and and along with that is being frugal. So, Sarah, 0:01:33.120 --> 0:01:35.880 thanks so much for that comment. Yeah, we really appreciate that. Yeah, Matt. 0:01:35.880 --> 0:01:38.319 And sometimes people ask me like, hey, do I have 0:01:38.400 --> 0:01:41.880 to like beer in order to listen to your podcast? Yes, 0:01:43.000 --> 0:01:45.640 it would help, but but no, you really don't, don't. 0:01:45.680 --> 0:01:48.480 I Mean, I think the majority of the reason that 0:01:48.520 --> 0:01:50.960 we pour a beer on the on each episode, Matt, 0:01:51.080 --> 0:01:53.840 is it kind of represents something that we enjoy and 0:01:54.000 --> 0:01:56.160 somewhere that we put our money, that we that that 0:01:56.200 --> 0:01:58.600 matters to us. But then on top of that, I 0:01:58.600 --> 0:02:02.640 think it represents more than anything, this concept of balance, right, 0:02:02.680 --> 0:02:04.800 and exactly, that's something that means a lot to both 0:02:04.840 --> 0:02:06.480 of us. There are a lot of people out there 0:02:06.480 --> 0:02:10.000 that are trying to retire at age thirty four, but 0:02:10.000 --> 0:02:12.760 they're not living a life of balance. You know, on 0:02:12.800 --> 0:02:14.400 the way to that. And then there are also people 0:02:14.440 --> 0:02:18.639 who are completely out of whack in overspending and they're 0:02:18.639 --> 0:02:21.680 working way too much and they're you know, neglecting things 0:02:21.760 --> 0:02:24.440 that actually matter to them. Hopefully that comes out in 0:02:24.480 --> 0:02:27.920 our episodes. That balance is such a key, uh, and 0:02:27.919 --> 0:02:30.520 that's something that we strive for and definitely don't always 0:02:30.520 --> 0:02:33.360 do well. Balances at the heart of kind of the 0:02:33.400 --> 0:02:35.919 core of the mission of what we're up to here. 0:02:36.000 --> 0:02:38.720 That's right, it's our mission. So Matt onto the beer 0:02:38.760 --> 0:02:44.040 that we are drinking this evening. Oh man, that's not 0:02:44.040 --> 0:02:48.760 a loaded, nice pop. So you've got this beer. This 0:02:48.840 --> 0:02:53.919 is Russian River. This beer is called Consecration, which is 0:02:53.960 --> 0:02:57.480 a barrel edge sour beer and Russian River. They're out 0:02:57.480 --> 0:02:59.480 of California, right, that's up there, like kind of near 0:02:59.480 --> 0:03:02.800 wine country, Yeah, exactly. And this beer comes to us 0:03:02.800 --> 0:03:07.200 courtesy of our friend Carl, who runs the website hundred 0:03:07.280 --> 0:03:10.280 days dot com. Uh. He's an awesome writer, he's an 0:03:10.280 --> 0:03:14.040 awesome dude. He absolutely loves good beer, and so he 0:03:14.080 --> 0:03:16.640 was kind enough to send send us this beer, which 0:03:16.680 --> 0:03:18.799 is I think one of both of our all time 0:03:18.840 --> 0:03:20.959 favorite beers. And he's got a lot of wisdom to share. 0:03:21.280 --> 0:03:23.640 The hundred was in regards to he was set a 0:03:23.680 --> 0:03:26.720 goal to be able to be financially independent by you know, 0:03:26.720 --> 0:03:29.080 fifteen hundred days later, right from when he started the ball. Yep. 0:03:29.240 --> 0:03:30.960 So that was the whole that's the whole reason behind 0:03:30.960 --> 0:03:34.440 fifteen hundred days. Yeah, man, this beer was I mean, really, 0:03:34.639 --> 0:03:36.440 I think we've had sours before. I know I had 0:03:36.600 --> 0:03:38.720 a few hours before this, but this was the first 0:03:38.840 --> 0:03:42.160 sort of world class barrel age sour that kind of 0:03:42.320 --> 0:03:45.360 knocked my socks off, you know. Yeah. I distinctly remember 0:03:45.560 --> 0:03:48.360 another friend, because this brewery's out of California, the only 0:03:48.360 --> 0:03:50.840 shipped to a few states. Another West Coast friends sent 0:03:50.920 --> 0:03:53.880 us a bottle. We split it, and I just remember saying, 0:03:54.680 --> 0:03:57.920 if sours can taste like this, I want more, because 0:03:57.960 --> 0:04:00.640 we've had some kind of average to subpar one before that, 0:04:01.040 --> 0:04:04.200 and Consecration from Russian River just kind of took the 0:04:04.240 --> 0:04:07.120 cake and really still does to this day. It's such 0:04:07.200 --> 0:04:10.240 a delicious beer. Yeah man, So this pours, it's pouring 0:04:10.280 --> 0:04:12.840 like a nice kind of murky brown, but it's got 0:04:12.920 --> 0:04:14.640 a lot of bubbles to us, you know, it's definitely 0:04:14.960 --> 0:04:17.679 it's definitely gonna have a nice bit of carbonation. Ready 0:04:17.720 --> 0:04:23.080 to taste this, Yep, that's still awesome. Speaking of balance 0:04:23.120 --> 0:04:25.440 that we talked about earlier, this this beer is so 0:04:25.480 --> 0:04:28.440 well balanced. Some of the sours today are getting a 0:04:28.440 --> 0:04:32.000 little crazy, little out there. This just kind of toes 0:04:32.080 --> 0:04:35.360 the line that it's walking perfectly and I so dig 0:04:35.440 --> 0:04:38.240 this beer. Yeah, it's pretty aggressive, nice nice bit of 0:04:38.240 --> 0:04:40.560 tartness to it, but it's barely aged, so you know, 0:04:40.760 --> 0:04:42.880 just those oak notes just kind of really balance it 0:04:42.920 --> 0:04:45.320 out and kind of smooths it out, makes it real 0:04:45.480 --> 0:04:47.880 easy to drink. It's got some slightly more bitter notes 0:04:47.920 --> 0:04:51.200 to it than maybe some of the sours we've had recently. Yeah, 0:04:51.240 --> 0:04:52.760 I kind of like that. Actually, it's it's kind of 0:04:52.800 --> 0:04:55.520 rare to find. It's usually super sweet and when it 0:04:55.560 --> 0:04:57.160 comes to sour and so that those kind of bitter 0:04:57.160 --> 0:05:00.360 notes balance it out. And it's definitely got rush and river. 0:05:00.400 --> 0:05:04.320 Being based in wine country obviously major access to wine 0:05:04.360 --> 0:05:07.880 barrels and this one's aged in Capernet saweignon barrels and 0:05:07.960 --> 0:05:10.880 so it's got a little bit of that wine quality 0:05:10.880 --> 0:05:12.880 to it as well. Uh, yeah, you know what I 0:05:12.880 --> 0:05:14.560 feel like, guess what I can feel sort of like 0:05:14.600 --> 0:05:17.880 the tannin sort of dryness, kind of coming out of 0:05:17.880 --> 0:05:20.040 the wood a little bit, maybe completely. And so if 0:05:20.040 --> 0:05:23.559 you're into wine not really terribly into beer, a beer 0:05:23.680 --> 0:05:25.280 like this would be kind of a good one to 0:05:25.360 --> 0:05:27.880 check out. And we're actually seeing more and more of 0:05:27.880 --> 0:05:32.240 that beer wine hybrid kind of thing happening. So all 0:05:32.279 --> 0:05:34.440 the lines are getting blared. Man, I know, right, have 0:05:34.520 --> 0:05:36.040 you guys ever been up to a wine country like 0:05:36.160 --> 0:05:38.880 Napa or Sooma? No, never done it. I think I've 0:05:39.160 --> 0:05:42.240 like southern Oregon has some wineries and I've that's up there. 0:05:42.240 --> 0:05:44.919 I've done that before, but never like the California wine region. 0:05:45.080 --> 0:05:48.640 So Kit and I went once and we decided, okay, 0:05:48.640 --> 0:05:50.360 we're gonna be over there. We've got to stop in, 0:05:50.520 --> 0:05:53.200 you know, and like Napa and Sonoma, thinking that we 0:05:53.200 --> 0:05:56.720 wouldn't really enjoy it, but no, we we loved it. Man. 0:05:56.720 --> 0:05:58.400 We had such a good time. And we're not even 0:05:58.400 --> 0:06:02.479 really into wine, but just seeing the grounds and the vineyards, 0:06:02.520 --> 0:06:04.320 you know, being able to like the couple that we 0:06:04.360 --> 0:06:07.559 went to had hiking trails like on the property as well. Wow. Yeah, 0:06:07.640 --> 0:06:10.080 And so it's gorgeous and then you get to cap 0:06:10.080 --> 0:06:12.400 it off with going down into the you know, the 0:06:12.440 --> 0:06:14.480 cave or whatever where they where the age all the barrels. 0:06:14.600 --> 0:06:16.320 It's nice and cold down there after you've been sweating 0:06:16.360 --> 0:06:18.800 up in the California sun and get to tip back 0:06:18.880 --> 0:06:21.599 some delicious wines. And yeah, we had a great time 0:06:22.320 --> 0:06:24.960 for obvious reasons. I guess there is something about vineyards 0:06:25.080 --> 0:06:27.680 that's just beautiful. It's a little more romantic than than 0:06:28.000 --> 0:06:30.560 just a brewer, right right, Yeah, completely from that point 0:06:30.560 --> 0:06:32.719 of view, I can totally understand why you want to 0:06:32.720 --> 0:06:34.720 do it, you know, and I think especially getting into 0:06:34.760 --> 0:06:37.960 beers like this, you know, drinking some of those beers 0:06:37.960 --> 0:06:40.440 that have a little more wine like qualities. I can 0:06:40.440 --> 0:06:43.240 completely see why people dig wine, and I can see 0:06:43.240 --> 0:06:45.920 myself someday in the future maybe drinking more wine than 0:06:45.960 --> 0:06:48.800 I do now, but right now focused on beer. But yeah, 0:06:48.800 --> 0:06:50.400 that being said, I mean, if you are out there 0:06:50.400 --> 0:06:51.960 and you're a wine drinker and you know of like 0:06:52.360 --> 0:06:54.680 a bottle of wine that's like in the I don't know, 0:06:55.680 --> 0:06:59.520 sixteen eighteen dollar bottle, a bottle range that that you 0:06:59.640 --> 0:07:01.840 know as really good and that you could recommend to somebody, 0:07:02.320 --> 0:07:04.520 give us a shot. I mean, I would love to know, like, 0:07:04.640 --> 0:07:07.040 what's a really good bottle that you can get for 0:07:07.200 --> 0:07:10.440 you know, sixteen bucks anything of his Kirkland signature. My buddy, 0:07:11.720 --> 0:07:14.440 I don't know if that's true. However, I'm sure someone's 0:07:14.440 --> 0:07:16.520 gonna write it and say, oh, it's actually not that bad, 0:07:16.640 --> 0:07:19.000 you know, just like the Aldi beer. No, not terrible. 0:07:19.200 --> 0:07:21.520 So tip to the folks that do like wine. There's 0:07:21.520 --> 0:07:24.760 a website called Costco Wine blog dot com, and there's 0:07:24.760 --> 0:07:28.280 this dude who dedicates his uh at least free time. 0:07:28.280 --> 0:07:30.920 I don't know about his life, but he dedicates himself 0:07:31.000 --> 0:07:34.920 entire life to writing about and reviewing the Costco wines. 0:07:35.400 --> 0:07:38.280 And they're actually like just the Costco irons, just the 0:07:38.320 --> 0:07:41.000 Costco ones, and there are you know, Costco is actually 0:07:41.040 --> 0:07:44.600 I think the number one buyer and seller of wine 0:07:44.720 --> 0:07:46.800 in the country. Yeah, just like Walmart's the number one 0:07:46.920 --> 0:07:50.640 organic produce. Yeah. That's a good point. That's a good point. 0:07:50.680 --> 0:07:53.120 I mean, I mean that bean said, like, certainly Costco 0:07:53.160 --> 0:07:55.440 has got great wines. Though they do from what I've heard. 0:07:55.480 --> 0:07:57.640 I'm certainly not a connoisseur, and and I've I've tried 0:07:57.680 --> 0:07:59.280 a couple of them, and they've they've been a lot 0:07:59.320 --> 0:08:02.040 better than two buck Chuck in my opinion. But but yeah, 0:08:02.040 --> 0:08:04.040 that that blog is really cool if you're into wines 0:08:04.080 --> 0:08:06.160 and want to check it out. And another thing that 0:08:06.200 --> 0:08:08.880 Costco is great for, by the way, is getting bottles 0:08:08.920 --> 0:08:13.400 of liquor, oftentimes the Costco liquor. If you're particular Costco 0:08:13.600 --> 0:08:15.120 and you're not a member, Matt, We're going to fix 0:08:15.160 --> 0:08:17.440 that in the near future for you. It's too far away, man, 0:08:17.480 --> 0:08:19.200 That's that's my big thing. I just don't like driving, 0:08:19.240 --> 0:08:21.680 so I don't want to hear your excuses close the 0:08:21.680 --> 0:08:24.880 audia is our house. Now, that's true, I know. But 0:08:25.000 --> 0:08:29.440 so the liquor selection at Costco is really really good, 0:08:29.680 --> 0:08:32.440 and the prices are insanely good too, because usually a 0:08:32.440 --> 0:08:35.679 package store marks up a bottle of liquor between thirty 0:08:36.760 --> 0:08:39.760 and so. At Costco, the most mark up that Costco 0:08:39.760 --> 0:08:43.720 ever does is so typically you get a bottle of 0:08:43.800 --> 0:08:48.080 their Kirkland signature liquor for ten dollars cheaper on average 0:08:48.120 --> 0:08:50.439 ten to fifteen dollars cheaper than what you'd pay at 0:08:50.480 --> 0:08:54.040 a package store. They also have regular brands of booze 0:08:54.040 --> 0:08:56.959 as well. Stuff. Yeah, and it's cheaper too, like by 0:08:57.040 --> 0:08:59.920 good ten bucks, so you can at least pick me 0:09:00.040 --> 0:09:01.839 up a handler to you know, if you're going up there, 0:09:02.160 --> 0:09:05.640 I'll see what I can do. By the way, I 0:09:05.720 --> 0:09:07.640 just wrote an article it's up on the website now 0:09:07.679 --> 0:09:10.880 about where you should go to get beers when you're 0:09:10.880 --> 0:09:13.319 in Atlanta. Uh and so don't miss that. I also 0:09:13.400 --> 0:09:15.920 mentioned some of our antiquated beer laws in the article, 0:09:16.000 --> 0:09:19.160 So check that out if you're interested on knowing where 0:09:19.240 --> 0:09:21.800 we drink beer in in our town, and if you're visiting, 0:09:21.880 --> 0:09:24.599 definitely be sure to hit some of those places up Yeah. 0:09:24.880 --> 0:09:27.000 So Matt onto the topic at hand, how to give 0:09:27.040 --> 0:09:29.560 your money away. And I think ultimately you and I 0:09:29.600 --> 0:09:32.079 both think that there's a lot that we as human 0:09:32.120 --> 0:09:36.280 beings can learn by giving away our time and our money. Yeah. Man, 0:09:36.320 --> 0:09:38.120 that's right for both of us. You know. A big 0:09:38.120 --> 0:09:40.680 part of like some of our core values, you know, 0:09:40.840 --> 0:09:43.720 is being generous giving our money away, like in whatever 0:09:43.800 --> 0:09:45.360 sort of outlet that looks like for you. And and 0:09:45.360 --> 0:09:47.560 a big reason we want to talk about this too is, 0:09:47.600 --> 0:09:49.360 I mean, at least for me, the sort of angle 0:09:49.400 --> 0:09:51.280 I want to approach it from is giving your money 0:09:51.360 --> 0:09:54.880 sort of intentionally um and actively right, instead of it 0:09:55.040 --> 0:09:57.280 being sort of this passive thing that you're doing, or 0:09:57.320 --> 0:10:00.280 instead of it being a more like a reactionary thing, 0:10:00.720 --> 0:10:02.160 you know that being said, I'm not going to tell 0:10:02.160 --> 0:10:04.400 you not to like give money to somebody asking for 0:10:04.400 --> 0:10:06.120 a handout or or whatever it is, you know it 0:10:06.200 --> 0:10:09.800 is that someone approaches you. But there's ways that you 0:10:09.840 --> 0:10:11.839 can give that helps you to feel maybe more in 0:10:11.920 --> 0:10:14.240 charge of your money. It's where you're intentionally giving and 0:10:14.240 --> 0:10:16.480 that's more part of your plan and like your mission, 0:10:16.559 --> 0:10:18.400 you know, like your financial sort of game plan and 0:10:18.480 --> 0:10:21.560 mission versus it sort of being this thing that is 0:10:21.600 --> 0:10:24.240 more like an afterthought or only if someone approaches you 0:10:24.320 --> 0:10:27.360 and you know, asks for a donation, that kind of thing. Yeah, 0:10:27.400 --> 0:10:29.520 I think too. There's a place that people get caught 0:10:29.559 --> 0:10:32.560 up and they say, you know what, in the future, someday, 0:10:32.679 --> 0:10:34.560 I'm going to give my money away, you know, one 0:10:34.600 --> 0:10:36.360 of these days, you know, once I hit this certain 0:10:36.400 --> 0:10:38.800 point in my life, that's when I'm gonna actually start 0:10:38.800 --> 0:10:40.800 giving away some my money. But I just can't afford 0:10:40.800 --> 0:10:42.760 to do it right now. Uh, And I feel like 0:10:42.800 --> 0:10:44.960 I ultimately what that what it comes down to is 0:10:44.960 --> 0:10:47.600 that's kind of like an excuse. I hear the same 0:10:47.640 --> 0:10:48.960 thing with a lot with a lot of people who 0:10:49.040 --> 0:10:52.600 say I want to travel someday, and they never seem 0:10:52.640 --> 0:10:54.880 to prioritize it. They never seemed to buy a ticket 0:10:54.920 --> 0:10:57.360 to go somewhere and visit a really cool place. And 0:10:57.400 --> 0:11:00.680 so that's just kind of a common thing. They prioritize 0:11:00.679 --> 0:11:03.320 their money going to other places, and ultimately, it is 0:11:03.360 --> 0:11:06.240 a matter of prioritization. And if you say that you 0:11:06.240 --> 0:11:08.920 want to give some day but can't give in some 0:11:09.000 --> 0:11:12.640 capacity now, then I think, really you're just fooling yourself 0:11:12.640 --> 0:11:16.600 and you're checking yourself because it's something that you can 0:11:16.679 --> 0:11:20.160 do now if you would only prioritize it. Yeah, you're 0:11:20.200 --> 0:11:21.880 just giving the lip service. Basically, you're doing it to 0:11:21.960 --> 0:11:24.640 kind of make yourself feel a little bit better. And 0:11:24.640 --> 0:11:27.840 and granted maybe you're going through some terrible financial situation 0:11:27.920 --> 0:11:29.640 right now that you know where you just you do 0:11:29.720 --> 0:11:31.199 not have the space you do you don't have the 0:11:31.200 --> 0:11:34.240 bandwidth for that. And for for those people, we are 0:11:34.240 --> 0:11:36.200 not talking to you. But you know, if you've kind 0:11:36.200 --> 0:11:37.760 of been if you've got a steady job and you've 0:11:37.880 --> 0:11:40.880 you're living your life and you're enjoying yourself and in 0:11:40.920 --> 0:11:45.400 your drinking craft beer, the good stuff, we're talking to you. 0:11:45.400 --> 0:11:47.720 You know like, and I think too, we this isn't 0:11:47.760 --> 0:11:50.120 something we want to guilt trip you over. But no, no, no, yeah, 0:11:50.120 --> 0:11:51.920 it's not it's not this. Uh. We're not trying to 0:11:51.920 --> 0:11:54.200 make you feel bad for not giving. But hopefully by 0:11:54.200 --> 0:11:57.200 the end of this episode you will have seen how 0:11:57.280 --> 0:12:00.280 it's benefited Matt and I in our lives. It has 0:12:00.440 --> 0:12:03.560 given us a healthy detachment from our money, just kind 0:12:03.600 --> 0:12:06.600 of healthy understanding that money isn't everything and in so 0:12:06.640 --> 0:12:09.880 many ways that our goals right for our money and 0:12:09.920 --> 0:12:14.400 for our lives, are actually better served by giving away 0:12:14.400 --> 0:12:16.720 a portion of our income. And so we'll kind of 0:12:16.720 --> 0:12:18.360 tell you what that looks like in our lives. And 0:12:18.559 --> 0:12:21.360 I'll be honest too. You heard the last episode, uh, 0:12:21.400 --> 0:12:25.360 where my wife told a story about where I was 0:12:25.640 --> 0:12:29.520 charging my friends for coal. Still a terrible story that 0:12:29.640 --> 0:12:32.480 I can't live down. But I feel like my heart 0:12:32.520 --> 0:12:35.640 has changed a lot about giving over the years and generosity, 0:12:35.920 --> 0:12:37.760 and so hopefully you can see kind of how I've 0:12:37.760 --> 0:12:40.559 grown and honestly, being married, you know, being married to 0:12:40.600 --> 0:12:43.840 my wife, Emily has accelerated that change in my life 0:12:44.040 --> 0:12:46.880 where I prioritize it and it's been so meaningful to 0:12:46.920 --> 0:12:49.720 me to give away a portion of what we make. 0:12:50.080 --> 0:12:53.080 And uh so, I think in the end, if you 0:12:53.120 --> 0:12:55.720 want a healthy view towards money, learning to give away 0:12:55.720 --> 0:12:58.280 a portion of it, you know, and you can figure 0:12:58.280 --> 0:13:01.600 out what that means to you exactly percentage wise, but 0:13:01.600 --> 0:13:04.559 but learning to give away that portion can actually give 0:13:04.600 --> 0:13:07.920 you a more robust appreciation for what you do have. Yea, man, 0:13:07.960 --> 0:13:09.600 you know what this reminds me of two is the 0:13:09.760 --> 0:13:12.520 our episode on asking for a discount in a totally 0:13:12.640 --> 0:13:15.720 sort of twisted way. But but we talked about how 0:13:16.040 --> 0:13:17.959 asking for a discount it's sort of like a muscle, 0:13:18.000 --> 0:13:19.199 and like the more you do it, it it kind of 0:13:19.200 --> 0:13:21.800 makes you uncomfortable or it's just because it's just hard 0:13:21.800 --> 0:13:23.760 to do, right, um, But the more you do it, 0:13:23.840 --> 0:13:26.320 the easier it becomes. It's a behavioral thing, you know. 0:13:26.320 --> 0:13:28.120 It's it's like a muscle. I feel like giving your 0:13:28.160 --> 0:13:30.200 money away. It's it's real similar, you know, it's it's 0:13:30.200 --> 0:13:33.120 a muscle. It's sort of like this cognitive pathway where 0:13:33.160 --> 0:13:35.000 the more you do it, the better at it you get, 0:13:35.480 --> 0:13:37.200 the more you're sort of able to recognize it and 0:13:37.200 --> 0:13:39.120 see it in your life kind of just as you 0:13:39.160 --> 0:13:41.320 go throughout the day and throughout your life and you 0:13:41.360 --> 0:13:43.160 can respond to that. Yeah, And I think in a 0:13:43.160 --> 0:13:45.440 lot of ways, like giving our money away is like 0:13:45.480 --> 0:13:48.319 a recognition of the fact that we aren't completely self 0:13:48.360 --> 0:13:51.680 made people. We are influenced and made up in so 0:13:51.760 --> 0:13:56.280 many ways of the contributions of parents, teachers, are community, 0:13:56.320 --> 0:13:59.160 and the country that we live in. Uh, hard work 0:13:59.280 --> 0:14:03.280 is certainly rutual to success, but being generous is that 0:14:03.400 --> 0:14:06.199 kind of recognition of the benefits that we've received from 0:14:06.280 --> 0:14:09.360 other people that have played major roles in our lives. 0:14:10.040 --> 0:14:12.120 And and and in a sense, it's sort of paying 0:14:12.120 --> 0:14:14.840 it forward, right Like you you're you have that recognition, 0:14:14.880 --> 0:14:16.800 you see that, and then you're also doing that for 0:14:16.800 --> 0:14:19.320 for other people. And whether that be through your finances, 0:14:19.440 --> 0:14:22.040 right through your money directly, or just through your time 0:14:22.080 --> 0:14:24.600 and the attention the knowledge that you're able to share 0:14:24.600 --> 0:14:26.880 with others and kind of pour into other people's lives. 0:14:27.560 --> 0:14:30.640 All that is a part of recognizing all that went 0:14:30.680 --> 0:14:33.480 into you and sort of doing that for others around 0:14:33.480 --> 0:14:45.160 you as well. So obviously, like the number one benefit 0:14:45.280 --> 0:14:47.560 of giving your money away is helping people, right, It's 0:14:47.600 --> 0:14:51.640 it's you trying to better the people around you, trying 0:14:51.680 --> 0:14:53.160 to better the world around you trying to make the 0:14:53.160 --> 0:14:56.000 world a better place. I mean it's obvious, right, But 0:14:56.520 --> 0:14:58.640 if you think of like, Okay, how does how's giving 0:14:58.680 --> 0:15:00.800 my money away you gonna make things better? I think 0:15:00.800 --> 0:15:04.120 a lot of times folks can immediately just only focus on, well, 0:15:04.160 --> 0:15:06.200 how's this going to be good for me? Like, you know, 0:15:06.240 --> 0:15:08.000 what are the benefits? Like what how's this going to 0:15:08.120 --> 0:15:12.280 affect my bottom line? When that shouldn't be your primary 0:15:12.320 --> 0:15:15.000 goal at all, Like it should be because you see 0:15:15.000 --> 0:15:18.000 a need or you really believe in this effort or 0:15:18.080 --> 0:15:20.440 this cause, and and that's something that you're gonna, you know, 0:15:20.440 --> 0:15:23.640 put put your money behind, yeah, because you truly believe it. Yeah. 0:15:23.680 --> 0:15:26.000 And I think ultimately the easiest way to see the 0:15:26.040 --> 0:15:28.160 need and then to see the benefit of where your 0:15:28.200 --> 0:15:31.080 money is going is to give locally, right to give 0:15:31.120 --> 0:15:34.280 to an organization that exists in your neighborhood or in 0:15:34.360 --> 0:15:37.480 your town. And so you know, for for me, there 0:15:37.480 --> 0:15:40.920 are are a couple of organizations that are extremely local 0:15:41.040 --> 0:15:44.080 that I can quantify what they do. You know, I 0:15:44.120 --> 0:15:46.680 get the newsletter updates, I run into the people that 0:15:46.760 --> 0:15:49.960 work there. I know what is happening and the sorts 0:15:49.960 --> 0:15:53.760 of success stories that come out of that nonprofit. So 0:15:54.400 --> 0:15:57.200 it's really exciting to see something happening in my own neighborhood, 0:15:57.480 --> 0:16:00.480 whether it's helping kids or helping you know, older people 0:16:00.520 --> 0:16:02.560 whose homes are in disrepair and they can't afford the 0:16:02.640 --> 0:16:05.320 repairs on their home. Giving the causes that are local 0:16:05.800 --> 0:16:08.400 where you can kind of see the tangible work is 0:16:08.440 --> 0:16:10.720 to me a really great benefit that you can actually 0:16:10.760 --> 0:16:13.080 kind of watch the progress of your money right before 0:16:13.120 --> 0:16:15.080 your eyes. I mean that makes me actually think this 0:16:15.160 --> 0:16:18.040 article I saw that I read where they're talking about 0:16:18.080 --> 0:16:22.040 how even though like the total number uh of dollars 0:16:22.040 --> 0:16:25.200 that have been donated has increased over the years, the 0:16:25.320 --> 0:16:28.560 number of people who have been contributing has decreased um 0:16:28.600 --> 0:16:30.680 And like the whole article is talking about like the 0:16:30.720 --> 0:16:32.760 pooling of money to the you know, the rich, and 0:16:32.880 --> 0:16:35.000 how they're kind of deciding where the money goes, and 0:16:35.000 --> 0:16:37.000 how that affects policy, you know, tax policy, just all 0:16:37.000 --> 0:16:39.920 these different things. But what that means though as well, 0:16:40.000 --> 0:16:44.040 is that these nonprofits and sort of charities are marketing 0:16:44.680 --> 0:16:47.640 themselves to people because they're trying to get these big donors, 0:16:47.640 --> 0:16:49.240 and they're trying to appeal to sort of like the 0:16:49.240 --> 0:16:51.640 mass appeal the mass, you know, the whole country, and 0:16:51.920 --> 0:16:53.840 when that's sort of right in front of you as 0:16:53.880 --> 0:16:55.600 as somebody that's looking to give your money away, you 0:16:55.640 --> 0:16:58.320 don't see the immediate need, like you don't see like 0:16:58.360 --> 0:17:02.000 you said, like the local charity, um, something that is 0:17:02.120 --> 0:17:03.520 right in front of you if you were just to 0:17:03.720 --> 0:17:06.479 you know, literally like open your eyes or ask around 0:17:06.560 --> 0:17:09.480 and see what your local needs are. Yeah, So be 0:17:09.520 --> 0:17:12.080 mindful of that because it definitely is trending to where 0:17:12.119 --> 0:17:15.520 these bigger organizations are sort of siphoning and getting all 0:17:15.560 --> 0:17:19.680 the funding, all the donations, where you know, the smaller 0:17:19.760 --> 0:17:23.280 local organization has kind of been suffering over the past 0:17:23.320 --> 0:17:25.359 few years. Yeah, and so I think a benefit to 0:17:25.520 --> 0:17:28.159 Matt is that giving your money away changes you just 0:17:28.200 --> 0:17:30.639 as much, if not more than the people or organization 0:17:30.680 --> 0:17:32.880 that you're giving to. It's really cool if you give 0:17:32.880 --> 0:17:35.680 to a local organization to see your money at work 0:17:35.720 --> 0:17:38.320 and to maybe see people's lives that are changed. Someone 0:17:38.680 --> 0:17:41.320 like I mentioned, you know, a house and disrepair for 0:17:41.359 --> 0:17:43.760 a senior citizen that is able to stay in their 0:17:43.800 --> 0:17:45.840 home because otherwise they would have had to move, they 0:17:45.840 --> 0:17:47.639 would they wouldn't been able to fix up their house 0:17:47.760 --> 0:17:49.080 or they just have to live in a home with 0:17:49.200 --> 0:17:51.120 you know, a messed up roof or something like that. 0:17:51.320 --> 0:17:53.800 That's something that's tangible and you can see. Yeah, I 0:17:53.840 --> 0:17:55.159 mean if you were like, you know, just give the 0:17:55.200 --> 0:17:57.280 Red Cross, Like I don't want to knock Red Cross, 0:17:57.320 --> 0:17:59.800 but like they're great. However, it's hard to see the 0:18:00.000 --> 0:18:02.760 efects of that. And so yeah, if you see the 0:18:02.760 --> 0:18:05.400 physical effect that your money is having, how encouraging is that? 0:18:05.480 --> 0:18:06.879 You know, I mean that if anything that would just 0:18:06.960 --> 0:18:09.960 kind of give someone, if anything that might encourage someone 0:18:09.960 --> 0:18:11.520 to give more, you know, like when you see the 0:18:11.520 --> 0:18:14.119 effects like that, it just has this positive sort of 0:18:14.160 --> 0:18:17.560 reinforcement that hopefully continues the cycle. Yeah, and I think 0:18:17.600 --> 0:18:20.240 ultimately then it has a great effect on you as 0:18:20.240 --> 0:18:22.399 a human giving your money away. So it's cool to 0:18:22.400 --> 0:18:24.760 see the progress, cool to see your money at work, 0:18:25.400 --> 0:18:27.879 where you live, or for a cause that you care 0:18:27.920 --> 0:18:30.760 about greatly. But then on top of that, there's something 0:18:30.800 --> 0:18:33.480 about living life with more of like an open hand 0:18:33.840 --> 0:18:37.600 where you're not holding onto your possessions too tightly or 0:18:37.920 --> 0:18:39.800 just like gripping your money right and not letting go 0:18:39.840 --> 0:18:41.960 of any of it. There is something that changes, like 0:18:42.000 --> 0:18:45.639 in your heart and in your demeanor almost when you 0:18:45.800 --> 0:18:49.280 are freed up to give. The way that you are 0:18:49.320 --> 0:18:53.919 generous with your money, I think actually translates to a 0:18:54.000 --> 0:18:57.800