1 00:00:00,080 --> 00:00:02,880 Speaker 1: Welcome to How the Money. I'm Joel and I am Matt. 2 00:00:03,000 --> 00:00:06,720 Speaker 1: Today we're discussing getting paid to pay rent Prime perks 3 00:00:06,960 --> 00:00:29,280 Speaker 1: and a low score cost you more. That's right, Joel. 4 00:00:29,320 --> 00:00:32,040 Speaker 1: This is our Friday flight where we have a sampling 5 00:00:32,080 --> 00:00:35,080 Speaker 1: of different stories. Uh specifically the stories that we think 6 00:00:35,400 --> 00:00:37,120 Speaker 1: are the most important that you need to be paying 7 00:00:37,120 --> 00:00:39,480 Speaker 1: attention to. We'll get to those here in a minute. 8 00:00:39,479 --> 00:00:41,839 Speaker 1: But first, so, I guess it was last week I 9 00:00:41,920 --> 00:00:44,960 Speaker 1: mentioned how I felt like my grocery bill, how it's 10 00:00:45,040 --> 00:00:48,440 Speaker 1: slowly crept up, and specifically I think it's because of 11 00:00:48,479 --> 00:00:50,040 Speaker 1: costco Oh. I thought it was just because of all 12 00:00:50,080 --> 00:00:54,480 Speaker 1: the s car grow eating. We eat fancy Now truffles, 13 00:00:54,720 --> 00:00:56,720 Speaker 1: you've been shredding over everything you eat? Do that? I 14 00:00:56,720 --> 00:00:59,920 Speaker 1: mean you don't like truffle. The truffle flavor has as 15 00:01:00,360 --> 00:01:02,760 Speaker 1: I recently had some truffle fries is leftovers here in 16 00:01:02,800 --> 00:01:06,520 Speaker 1: the office. Oh my gosh, there's dude, some old fries. 17 00:01:06,560 --> 00:01:08,520 Speaker 1: You crisp them up in the cast iron. You fry 18 00:01:08,560 --> 00:01:10,320 Speaker 1: up a couple of eggs. So the yolks all running 19 00:01:10,319 --> 00:01:12,280 Speaker 1: all over that. It's like that's a good lunch right there, 20 00:01:12,440 --> 00:01:16,639 Speaker 1: spicy meatball. I'm not sure where that what's the spicy meatball? 21 00:01:16,760 --> 00:01:18,760 Speaker 1: I don't know talking about food. You just felt like 22 00:01:18,760 --> 00:01:20,280 Speaker 1: saying it was the best reference I come up with 23 00:01:20,280 --> 00:01:22,920 Speaker 1: at the time. So the reason I've okay, so I'm 24 00:01:22,920 --> 00:01:26,120 Speaker 1: saying that I think it's Costco. However, that's also tough 25 00:01:26,120 --> 00:01:30,360 Speaker 1: to determine because we also switched over to Costco over 26 00:01:30,400 --> 00:01:33,000 Speaker 1: the course of this year as we've seen inflation take 27 00:01:33,040 --> 00:01:35,920 Speaker 1: a hit on in particular the cost of groceries. Which 28 00:01:36,160 --> 00:01:39,240 Speaker 1: are you saying, maybe you are being unfair? Possibly possibly, 29 00:01:39,240 --> 00:01:42,119 Speaker 1: which by the way, we just saw the inflation numbers 30 00:01:42,160 --> 00:01:44,920 Speaker 1: coming earlier this week, and inflation it's cool and off 31 00:01:44,959 --> 00:01:47,039 Speaker 1: a little bit, so that's good news. We'll certainly talk 32 00:01:47,120 --> 00:01:49,080 Speaker 1: more about that in the coming weeks. But the problem 33 00:01:49,120 --> 00:01:52,160 Speaker 1: is it's tough to know whether or not our our 34 00:01:52,240 --> 00:01:55,400 Speaker 1: higher grocery budget was due to changing where it is 35 00:01:55,440 --> 00:01:57,680 Speaker 1: we were shopping or the higher prices. And so I 36 00:01:57,720 --> 00:01:59,680 Speaker 1: was talking with Kate about it, and we came to 37 00:01:59,720 --> 00:02:02,560 Speaker 1: the inclusion that well, there's a way for us to 38 00:02:02,560 --> 00:02:04,920 Speaker 1: test this out, and it's to stop going to Costco. 39 00:02:05,280 --> 00:02:07,480 Speaker 1: And so we're actually this was last week we had 40 00:02:07,480 --> 00:02:10,519 Speaker 1: this conversation, I guess shortly after you and I after 41 00:02:10,560 --> 00:02:12,239 Speaker 1: we had our conversation here on the show. Sounds like 42 00:02:12,240 --> 00:02:14,440 Speaker 1: a brutal technique to try to implement. It's just gonna 43 00:02:14,520 --> 00:02:17,000 Speaker 1: be tough to know whether or not the higher prices 44 00:02:17,040 --> 00:02:19,000 Speaker 1: are due to the new store. Gonna take a month 45 00:02:19,040 --> 00:02:20,720 Speaker 1: off and give it to take a month, That's exactly 46 00:02:20,760 --> 00:02:22,520 Speaker 1: what we're gonna do. So basically, we decided that we 47 00:02:22,560 --> 00:02:24,480 Speaker 1: are not going to go to Costco at all this month. 48 00:02:24,520 --> 00:02:27,480 Speaker 1: So we are taking November completely off and we're going 49 00:02:27,520 --> 00:02:29,800 Speaker 1: to go back to our our old ways. I'm just 50 00:02:29,880 --> 00:02:32,920 Speaker 1: glad that Kate is willing to participate in this experiment 51 00:02:32,960 --> 00:02:35,119 Speaker 1: with me. But yeah, I'm going to figure out and 52 00:02:35,120 --> 00:02:36,760 Speaker 1: find out whether or not we can get our our 53 00:02:36,800 --> 00:02:39,320 Speaker 1: grocery budget back down. Uh. And I will be sure 54 00:02:39,360 --> 00:02:41,399 Speaker 1: to let you know. I'll let listeners know. Yeah, what's 55 00:02:41,480 --> 00:02:43,919 Speaker 1: what we experience. I'm curious to hear. And I think 56 00:02:43,960 --> 00:02:45,760 Speaker 1: one of the things we've we've talked about. Granted, not 57 00:02:45,800 --> 00:02:49,000 Speaker 1: everyone likes Costco totally fine, no worries, you don't have to, 58 00:02:49,480 --> 00:02:52,440 Speaker 1: but I I do like Costco for a lot of reasons. 59 00:02:53,280 --> 00:02:54,680 Speaker 1: And I will say I agree with you. I think 60 00:02:54,720 --> 00:02:57,120 Speaker 1: I probably am in many ways spending more, but sometimes 61 00:02:57,160 --> 00:03:00,320 Speaker 1: it's because the quality of certain things is to period. 62 00:03:00,360 --> 00:03:02,640 Speaker 1: And I don't mind paying a little extra because I 63 00:03:02,680 --> 00:03:06,320 Speaker 1: know that what I'm getting is it's not as expensive 64 00:03:06,560 --> 00:03:08,480 Speaker 1: as the equivalent, but I'm able to get something nicer 65 00:03:08,520 --> 00:03:09,919 Speaker 1: than I would be able to get in another grocery 66 00:03:09,919 --> 00:03:12,400 Speaker 1: stores for not too tear too much more, and so 67 00:03:12,639 --> 00:03:15,360 Speaker 1: I'm okay with paying that extra. But interestingly enough, on 68 00:03:15,360 --> 00:03:17,960 Speaker 1: this note, while we're talking about Costco, seen that they 69 00:03:17,960 --> 00:03:20,320 Speaker 1: actually kind of beg to differ with your analysis and 70 00:03:20,440 --> 00:03:22,880 Speaker 1: with mine too. They they just released an article saying 71 00:03:22,919 --> 00:03:26,320 Speaker 1: that Costco is gonna save the average individual or family 72 00:03:26,440 --> 00:03:28,320 Speaker 1: quite a bit of money. And this was they did, 73 00:03:28,400 --> 00:03:32,040 Speaker 1: like this comparison based on twenty five stable products and 74 00:03:32,240 --> 00:03:34,120 Speaker 1: the prices they put on side by side against this 75 00:03:34,160 --> 00:03:36,920 Speaker 1: grocery chain called Stopping Shop, which I've never heard of, 76 00:03:37,080 --> 00:03:39,560 Speaker 1: never even been there myself. They put these prices up 77 00:03:39,560 --> 00:03:42,440 Speaker 1: against each other a normal everyday grocery store, which I'm 78 00:03:42,480 --> 00:03:45,080 Speaker 1: guessing from the way seen that describe it, it's probably 79 00:03:45,200 --> 00:03:47,960 Speaker 1: not too far off from something like Kroger or Albertson's. 80 00:03:47,960 --> 00:03:50,640 Speaker 1: But whether or not you're gonna save so much of 81 00:03:50,640 --> 00:03:53,280 Speaker 1: it depends on the individual items that you're getting. So 82 00:03:53,560 --> 00:03:56,440 Speaker 1: for instance, rice, it's a whole lot cheaper to buy 83 00:03:56,440 --> 00:03:58,560 Speaker 1: that in bulk. You buy the Kirkland signature twenty pound 84 00:03:58,600 --> 00:04:02,200 Speaker 1: Megga rice for eleven dollars versus paying uh three dollars 85 00:04:02,240 --> 00:04:04,120 Speaker 1: for three pounds of rice to the grocery store. If 86 00:04:04,160 --> 00:04:06,240 Speaker 1: you get the Costco size quantity, you're gonna save money. 87 00:04:06,280 --> 00:04:09,280 Speaker 1: But it's the warehouse. Clubs are just not for everybody, 88 00:04:09,280 --> 00:04:11,920 Speaker 1: and and part of the value proposition for me with Costco, 89 00:04:12,200 --> 00:04:14,480 Speaker 1: like I said, is those higher quality items in a 90 00:04:14,480 --> 00:04:16,440 Speaker 1: lot of ways. But it was interesting to see this 91 00:04:16,680 --> 00:04:19,920 Speaker 1: c net article and see different things put side by side. 92 00:04:20,120 --> 00:04:22,760 Speaker 1: I've noticed too that as inflations ronging, it hasn't picked 93 00:04:22,839 --> 00:04:25,560 Speaker 1: up as much at Costco in some respects, like eggs 94 00:04:25,640 --> 00:04:27,760 Speaker 1: now seems like they're a better value at Costco than 95 00:04:27,800 --> 00:04:31,640 Speaker 1: they are at just my every day grocery store. But yeah, 96 00:04:31,800 --> 00:04:34,480 Speaker 1: we'llly to that article so people can kind of see themselves, 97 00:04:34,640 --> 00:04:36,240 Speaker 1: and I will be sure to report back as well, 98 00:04:36,279 --> 00:04:38,640 Speaker 1: because like I totally agree, I understand that there are 99 00:04:38,680 --> 00:04:41,480 Speaker 1: certain items, like I think the prices at Costco honestly, 100 00:04:41,520 --> 00:04:44,359 Speaker 1: I bet they're fairly comparable to Aldi it's just that 101 00:04:44,480 --> 00:04:47,839 Speaker 1: A you're buying everything in bulk, so you are spending more. 102 00:04:48,160 --> 00:04:49,680 Speaker 1: And I think that when you buy in bulk, it 103 00:04:49,800 --> 00:04:52,880 Speaker 1: bulk it can oftentimes lead to waste. But then there's 104 00:04:52,920 --> 00:04:55,120 Speaker 1: also just a variety in goods, like we're buying stuff 105 00:04:55,160 --> 00:04:57,080 Speaker 1: that we never would have purchased before at all, the 106 00:04:57,200 --> 00:04:59,440 Speaker 1: because they guess what, all they didn't carry those things 107 00:04:59,480 --> 00:05:01,920 Speaker 1: like all the sticks, to the staples, the basics. And 108 00:05:01,920 --> 00:05:03,919 Speaker 1: when I'm walking around Costco and I see the Japanese 109 00:05:03,920 --> 00:05:06,480 Speaker 1: barbecue sauce, it's difficult for me to not reach up 110 00:05:06,480 --> 00:05:08,839 Speaker 1: and grab that. Speak let me try. You're talking about 111 00:05:08,839 --> 00:05:10,960 Speaker 1: truffle I was telling you about this this truffle hot 112 00:05:10,960 --> 00:05:13,120 Speaker 1: sauce that Costco they had out in the samples, and 113 00:05:13,120 --> 00:05:15,520 Speaker 1: I can't believe I didn't buy some because I love 114 00:05:16,040 --> 00:05:19,920 Speaker 1: because I love it that much. Yeah, there's more temptation. 115 00:05:20,000 --> 00:05:22,320 Speaker 1: And so in that way, I almost see aldi as 116 00:05:22,360 --> 00:05:25,359 Speaker 1: a way to kind of it's a it's a mechanism 117 00:05:25,480 --> 00:05:27,880 Speaker 1: to keep you disciplined, right Like it's a it's a 118 00:05:27,880 --> 00:05:31,480 Speaker 1: mechanism that when your self discipline fails, it's like, well, 119 00:05:32,040 --> 00:05:35,520 Speaker 1: guess what that fancy barbecue sauce where the truffle hot sauce. 120 00:05:35,640 --> 00:05:37,720 Speaker 1: It's not within arms reach. Uh, it takes me. It 121 00:05:37,720 --> 00:05:40,159 Speaker 1: would take me driving to another store. But this doesn't 122 00:05:40,160 --> 00:05:42,840 Speaker 1: mean that I regret having a Costco membership, Like there 123 00:05:42,880 --> 00:05:46,400 Speaker 1: are still certainly items that they carry in services as well. 124 00:05:46,440 --> 00:05:48,760 Speaker 1: I'm still looking forward to when I have to purchase 125 00:05:48,760 --> 00:05:52,320 Speaker 1: some new tires because of their lifetime maintenance that they 126 00:05:52,320 --> 00:05:55,440 Speaker 1: provide with their tires, filling those tires up with nitrogen 127 00:05:56,160 --> 00:05:58,719 Speaker 1: instead of regular air. I've yet to experience that personally, 128 00:05:58,760 --> 00:06:00,320 Speaker 1: but I think that's pretty cool. Yeah it is. And 129 00:06:00,560 --> 00:06:02,400 Speaker 1: by the way, we if you are a Costco fan 130 00:06:02,440 --> 00:06:04,520 Speaker 1: and you're wondering how to maybe get the most bank 131 00:06:04,520 --> 00:06:06,400 Speaker 1: for your buck out of your membership, we just published 132 00:06:06,400 --> 00:06:09,240 Speaker 1: an article up on the site Eleven Costco hacks that 133 00:06:09,240 --> 00:06:10,760 Speaker 1: are gonna save you money what We'll link to that 134 00:06:10,760 --> 00:06:13,039 Speaker 1: in the show notes. But let's let's move on. Let's 135 00:06:13,040 --> 00:06:15,000 Speaker 1: talk about rents for a second, because they're starting to 136 00:06:15,440 --> 00:06:18,080 Speaker 1: creep down, as the New York Times put it, which 137 00:06:18,120 --> 00:06:20,479 Speaker 1: is honestly the perfect description. Right, We're we're not seeing 138 00:06:20,680 --> 00:06:23,039 Speaker 1: we We did, like you said, get those inflation numbers, 139 00:06:23,160 --> 00:06:27,920 Speaker 1: and inflation is starting to correct, albeit in not so 140 00:06:28,120 --> 00:06:31,480 Speaker 1: significant ways yet, but rents can be kind of sticky. 141 00:06:31,520 --> 00:06:32,880 Speaker 1: There's one of those are gonna be one of those 142 00:06:32,880 --> 00:06:34,560 Speaker 1: things that aren't going to slide down as quickly as 143 00:06:34,560 --> 00:06:36,279 Speaker 1: maybe some of the other prices we might see in 144 00:06:36,279 --> 00:06:39,840 Speaker 1: our everyday lives, largely because people sign year long leases, right, 145 00:06:39,839 --> 00:06:42,159 Speaker 1: and so rents aren't coming up for negotiation every single 146 00:06:42,160 --> 00:06:44,880 Speaker 1: month or anything like that. But we are starting to 147 00:06:44,920 --> 00:06:47,280 Speaker 1: see this market calm down a bit, which I think 148 00:06:47,279 --> 00:06:49,200 Speaker 1: it's a good thing, right right, And rent rents are 149 00:06:49,240 --> 00:06:51,040 Speaker 1: still they're still quite a bit higher than they were 150 00:06:51,080 --> 00:06:54,920 Speaker 1: a year ago. But new data from Zumper shows that 151 00:06:55,080 --> 00:06:58,239 Speaker 1: small reductions in rent are occurring in cities around the country. 152 00:06:58,520 --> 00:07:00,200 Speaker 1: And so what does this mean for how to any 153 00:07:00,200 --> 00:07:02,719 Speaker 1: listener as well? If you're a renter, it likely means 154 00:07:02,760 --> 00:07:05,640 Speaker 1: that you won't be forced to endure as substantial of 155 00:07:05,720 --> 00:07:08,520 Speaker 1: a rent increase as you might have expected. You might 156 00:07:08,560 --> 00:07:11,520 Speaker 1: have been really fearful for the next time you hear 157 00:07:11,560 --> 00:07:13,800 Speaker 1: from your landlord as your lease is about to renew, 158 00:07:14,120 --> 00:07:16,640 Speaker 1: and just at the thought of what they might try 159 00:07:16,680 --> 00:07:19,160 Speaker 1: to charge you. It also points to a softer market 160 00:07:19,200 --> 00:07:22,560 Speaker 1: in general that allows for more negotiation on on your part. 161 00:07:22,840 --> 00:07:25,360 Speaker 1: And if you want to know how to negotiate rent effectively, 162 00:07:25,360 --> 00:07:28,520 Speaker 1: how to save more, how to push back against rent increases. 163 00:07:28,640 --> 00:07:32,480 Speaker 1: Checkout episode four sixty nine that we recorded with Justin Pogue. 164 00:07:32,800 --> 00:07:35,320 Speaker 1: And I feel like that's just like there's a bunch 165 00:07:35,320 --> 00:07:37,920 Speaker 1: of different strategies you can implement into your life, like 166 00:07:38,000 --> 00:07:40,120 Speaker 1: as the market is softening, use that to your advantage 167 00:07:40,120 --> 00:07:43,200 Speaker 1: and save yourself more money. Totally. Yeah. So, actually, speaking 168 00:07:43,240 --> 00:07:45,800 Speaker 1: of rent, paying your rent, that can be kind of 169 00:07:45,800 --> 00:07:47,920 Speaker 1: a pain as well. There are some things in the 170 00:07:47,920 --> 00:07:50,040 Speaker 1: financial world where it feels like we're kind of stuck 171 00:07:50,040 --> 00:07:53,800 Speaker 1: in the nineties and paying rent. It's one of those. Well, 172 00:07:53,920 --> 00:07:58,200 Speaker 1: JP Morgan Chase, they are launching this new rent acceptance 173 00:07:58,200 --> 00:08:01,000 Speaker 1: platform and they're doing this in in an attempt to 174 00:08:01,040 --> 00:08:03,520 Speaker 1: make this process a little bit easier. Uh, it's an 175 00:08:03,520 --> 00:08:06,200 Speaker 1: attempt as well to compete with different companies out there, 176 00:08:06,240 --> 00:08:08,960 Speaker 1: like a Vail, who are already catering to mom and 177 00:08:09,000 --> 00:08:11,240 Speaker 1: pop landlords out there. But one of the things that 178 00:08:11,280 --> 00:08:14,160 Speaker 1: caught her high was a stat that showed that seventy 179 00:08:14,240 --> 00:08:17,720 Speaker 1: eight percent of rent payments are still being done using 180 00:08:18,160 --> 00:08:23,280 Speaker 1: paper checks, and that's money orders, which is insane. Obviously, 181 00:08:23,400 --> 00:08:26,800 Speaker 1: electric forms of payment are way way easier. And we 182 00:08:26,840 --> 00:08:29,720 Speaker 1: also talked about built back when we talked with the 183 00:08:29,760 --> 00:08:32,520 Speaker 1: Points guy uh here on the show that interview. But 184 00:08:32,559 --> 00:08:35,280 Speaker 1: that is a killer option for tenants as well, for 185 00:08:35,320 --> 00:08:37,520 Speaker 1: those out there who are paying rent. It's a credit 186 00:08:37,559 --> 00:08:40,360 Speaker 1: card and you can use it to pay your rent. 187 00:08:40,920 --> 00:08:45,040 Speaker 1: And yes, even if your landlord doesn't accept credit cards, uh, 188 00:08:45,040 --> 00:08:47,640 Speaker 1: and so this isn't something that you have to clear 189 00:08:47,720 --> 00:08:50,920 Speaker 1: with them necessarily. Right By using this card, you'll get 190 00:08:50,960 --> 00:08:53,920 Speaker 1: one percent cash back and you will completely avoid any 191 00:08:53,960 --> 00:08:56,280 Speaker 1: transaction fees. Uh. And the way it works is that 192 00:08:56,360 --> 00:08:59,319 Speaker 1: even if your landlord doesn't accept credit cards, Built will 193 00:08:59,360 --> 00:09:01,920 Speaker 1: literally set them a check, a paper check to them 194 00:09:02,000 --> 00:09:05,040 Speaker 1: on your behalf. It's super cool, Joel. You literally just 195 00:09:05,040 --> 00:09:07,960 Speaker 1: wrote an article about this talking about the benefits, the 196 00:09:08,000 --> 00:09:10,360 Speaker 1: things to watch out for. But also, I mean, this 197 00:09:10,520 --> 00:09:13,360 Speaker 1: is how you can quite literally get paid to pay 198 00:09:13,520 --> 00:09:15,040 Speaker 1: your rent. This is a way that you can earn 199 00:09:15,080 --> 00:09:17,920 Speaker 1: some cash back on what's likely for a lot of folks, 200 00:09:18,000 --> 00:09:21,720 Speaker 1: the most expensive payment that they're making every single month. Right, yeah, 201 00:09:21,720 --> 00:09:23,280 Speaker 1: I know. It's the only credit card of its type 202 00:09:23,320 --> 00:09:26,920 Speaker 1: that rewards you, that pays you to pay rent. And 203 00:09:27,200 --> 00:09:28,679 Speaker 1: like you said, most most people, if you want to 204 00:09:28,679 --> 00:09:30,679 Speaker 1: pay your credit card. You're gonna get charged fees you're 205 00:09:30,679 --> 00:09:32,400 Speaker 1: not gonna make, you're not gonna earn rewards you're gonna 206 00:09:32,400 --> 00:09:35,120 Speaker 1: get it's the opposite. You're losing by paying rent with 207 00:09:35,120 --> 00:09:37,320 Speaker 1: a credit card. But this credit card flips the script, 208 00:09:37,559 --> 00:09:39,120 Speaker 1: and so it is cool. And and and by the way, 209 00:09:39,160 --> 00:09:41,600 Speaker 1: there's no annual fee with it. There's some additional perks 210 00:09:41,640 --> 00:09:43,880 Speaker 1: that are actually really cool, uh that that I fleshed 211 00:09:43,880 --> 00:09:45,280 Speaker 1: out in the article. So yeah, we'll link to that 212 00:09:45,280 --> 00:09:47,520 Speaker 1: in the show notes if you're interested. But on the 213 00:09:47,520 --> 00:09:49,840 Speaker 1: note of rent, Matt, let's talk about short term rentals 214 00:09:49,880 --> 00:09:53,240 Speaker 1: for a second. Airbnb just announced this week that they're 215 00:09:53,280 --> 00:09:55,520 Speaker 1: going to be addressing issues that customers have been complaining 216 00:09:55,559 --> 00:09:58,240 Speaker 1: about for quite a bit of time that haven't been 217 00:09:58,559 --> 00:10:02,120 Speaker 1: terribly friendly to end users. Starting next month, folks who 218 00:10:02,160 --> 00:10:04,400 Speaker 1: use Airbnb are going to be able to filter search 219 00:10:04,440 --> 00:10:07,200 Speaker 1: results on the platform based on an all in figure. 220 00:10:07,600 --> 00:10:09,760 Speaker 1: And that's gonna be, like I would say, it probably 221 00:10:09,800 --> 00:10:12,280 Speaker 1: a really pleasant change, because it's pretty dang hard right 222 00:10:12,320 --> 00:10:14,959 Speaker 1: now to compare prices in this apples to Apple's manner. 223 00:10:15,600 --> 00:10:17,760 Speaker 1: The way search results are currently displayed, you kind of 224 00:10:17,880 --> 00:10:19,720 Speaker 1: have to click through and then you get shocked, and 225 00:10:19,720 --> 00:10:22,120 Speaker 1: it basically have to like book it, like like right 226 00:10:22,160 --> 00:10:24,480 Speaker 1: before the book button button so that you see that 227 00:10:24,520 --> 00:10:26,600 Speaker 1: total price. You have to have multiple tabs open to 228 00:10:26,640 --> 00:10:28,360 Speaker 1: kind of formula, all right, which one's worth it? And 229 00:10:28,400 --> 00:10:32,440 Speaker 1: you're like massive cleaning. I didn't realize that's how much 230 00:10:32,480 --> 00:10:34,599 Speaker 1: they charge, And so it can. It can obviously, it 231 00:10:34,640 --> 00:10:37,800 Speaker 1: can change the dynamics of where you want to stay. 232 00:10:38,000 --> 00:10:41,040 Speaker 1: They're also giving fresh advice to host about checkout guidelines 233 00:10:41,040 --> 00:10:42,840 Speaker 1: that can be overbearing. I'm not I'm not sure if 234 00:10:42,880 --> 00:10:44,560 Speaker 1: you've ever felt this way, map, but it's like, yeah, 235 00:10:44,600 --> 00:10:46,199 Speaker 1: we just need to like sweep and then mop and 236 00:10:46,240 --> 00:10:48,120 Speaker 1: then take out the trash and all the above. Don't 237 00:10:48,160 --> 00:10:51,720 Speaker 1: forget to clean the grout. Yeah, exactly. There's a special 238 00:10:51,800 --> 00:10:53,599 Speaker 1: groute brusher to use as well. Can you change the 239 00:10:53,800 --> 00:10:56,280 Speaker 1: fact filter while you're while you're down there? And I like, 240 00:10:56,320 --> 00:10:57,880 Speaker 1: I don't mind taking out the trash when I leave. 241 00:10:57,880 --> 00:10:59,680 Speaker 1: I don't think that's a big deal. And I think 242 00:11:00,040 --> 00:11:02,880 Speaker 1: at least especially the way Airbnb started, there was this 243 00:11:02,960 --> 00:11:04,439 Speaker 1: kind of like we're all in it together, and I'm 244 00:11:04,440 --> 00:11:05,720 Speaker 1: gonna get to stay at a cute place that I 245 00:11:05,800 --> 00:11:08,920 Speaker 1: otherwise wouldn't have access to, but Airbnb has become like 246 00:11:08,960 --> 00:11:11,600 Speaker 1: a big boy platform now and so uh, they need 247 00:11:11,640 --> 00:11:14,080 Speaker 1: to treat their guests a little bit better. They realized that, 248 00:11:14,559 --> 00:11:16,760 Speaker 1: and so yeah, I personally, I don't think I've had 249 00:11:16,760 --> 00:11:20,720 Speaker 1: any extreme chores asked of me as an Airbnb, as 250 00:11:20,760 --> 00:11:22,800 Speaker 1: somebody staying in an Airbnb, but it seems like it 251 00:11:22,880 --> 00:11:25,679 Speaker 1: is a practice that is making people upset. So Airbnb 252 00:11:25,760 --> 00:11:27,199 Speaker 1: is trying to rectify that as well. It's good to 253 00:11:27,240 --> 00:11:29,760 Speaker 1: see them making some like positive changes that honestly have 254 00:11:29,800 --> 00:11:31,679 Speaker 1: been kind of a long time coming. Yeah. Well, I mean, 255 00:11:31,720 --> 00:11:34,199 Speaker 1: I think the problem is that it's when folks who 256 00:11:34,200 --> 00:11:36,520 Speaker 1: are running their place, if they're double dipping, right, Like 257 00:11:36,600 --> 00:11:38,679 Speaker 1: if you are asking your tenants or you know, your 258 00:11:38,679 --> 00:11:41,240 Speaker 1: wunners or whatever to do all of these things, and 259 00:11:41,280 --> 00:11:43,920 Speaker 1: then you're also charging a massive cleaning fee. That's when 260 00:11:43,920 --> 00:11:47,760 Speaker 1: it sucks, right because I wouldn't mind doing I'll start 261 00:11:47,760 --> 00:11:49,400 Speaker 1: a load of laundry if you want me to. I'm 262 00:11:49,400 --> 00:11:52,040 Speaker 1: fine with that if it's reflected in the cleaning fee, 263 00:11:52,120 --> 00:11:55,520 Speaker 1: right if the cleaning fee something like twenty bucks, yeah, 264 00:11:55,600 --> 00:11:57,679 Speaker 1: or if it's even none exists, or just like one dollar. 265 00:11:57,760 --> 00:11:59,440 Speaker 1: So it's line item there and you see it, and 266 00:11:59,440 --> 00:12:01,920 Speaker 1: it's like, oh, okay, well that's why I've got to, 267 00:12:02,120 --> 00:12:03,720 Speaker 1: you know, do some of these other tasks. I'd be 268 00:12:03,760 --> 00:12:05,920 Speaker 1: fine with that, or vice versa. If you want to 269 00:12:06,000 --> 00:12:08,200 Speaker 1: charge me a hundred hundred fifty bucks, you know, for 270 00:12:08,240 --> 00:12:11,280 Speaker 1: a cleaning fee, I better not be doing anything, right, 271 00:12:11,400 --> 00:12:13,679 Speaker 1: So it's one or the other. But I mean, ultimately, 272 00:12:13,960 --> 00:12:16,079 Speaker 1: like at the end of the day, it's a free market, right, 273 00:12:16,080 --> 00:12:18,439 Speaker 1: and so people who book it, they're going to see that, 274 00:12:18,480 --> 00:12:20,960 Speaker 1: oh this I don't I don't feel like the values there, 275 00:12:20,960 --> 00:12:23,280 Speaker 1: and you can leave your comments, you can rate and 276 00:12:23,320 --> 00:12:26,320 Speaker 1: review that place, and other folks will see that, and 277 00:12:26,520 --> 00:12:29,120 Speaker 1: that place will no longer be in high demand. Um, 278 00:12:29,120 --> 00:12:31,120 Speaker 1: and so a lot of that can be naturally sort 279 00:12:31,120 --> 00:12:32,880 Speaker 1: of filtered out. Yeah. Well, I'm just I'm glad that 280 00:12:32,920 --> 00:12:35,960 Speaker 1: it's gonna be easier for folks to make those decisions 281 00:12:35,960 --> 00:12:38,160 Speaker 1: and to see the bottom line price before you click 282 00:12:38,240 --> 00:12:41,000 Speaker 1: through and transparencies. Yeah, that's that's gonna help me as 283 00:12:41,040 --> 00:12:43,360 Speaker 1: I searched on that platform. And so yeah, I think 284 00:12:43,360 --> 00:12:45,000 Speaker 1: it's gonna help a lot of people because it just 285 00:12:45,160 --> 00:12:46,800 Speaker 1: sucks to be like, yeah, this is the place and 286 00:12:46,840 --> 00:12:48,760 Speaker 1: then you don't know the final price until you you're 287 00:12:48,800 --> 00:12:50,400 Speaker 1: further along in the process and then you got to 288 00:12:50,440 --> 00:12:53,559 Speaker 1: jump back in. Well another thing too, if you find 289 00:12:53,600 --> 00:12:56,120 Speaker 1: that you don't like the prices that you're being shown, 290 00:12:56,200 --> 00:12:58,560 Speaker 1: it comes to comes to a cleaning fee. Don't forget 291 00:12:58,559 --> 00:13:00,959 Speaker 1: about hotels, right like you always out that option as well. 292 00:13:01,000 --> 00:13:02,360 Speaker 1: And I feel like there's there's been a lot of 293 00:13:02,400 --> 00:13:04,720 Speaker 1: jokes lightly online where people are like, you know, you 294 00:13:04,760 --> 00:13:07,200 Speaker 1: could just stay in this other place that that it 295 00:13:07,240 --> 00:13:09,760 Speaker 1: takes where you can leave your wet towels on the floor, 296 00:13:09,800 --> 00:13:11,800 Speaker 1: you can leave all of your trash as opposed to 297 00:13:11,760 --> 00:13:14,000 Speaker 1: they don't charge you extra cleaning fee. It's hacking it out, 298 00:13:14,040 --> 00:13:16,520 Speaker 1: like you're camping in the pristine wilderness. We have to 299 00:13:16,640 --> 00:13:18,319 Speaker 1: pack it and pack it out kind of thing. Yeah, 300 00:13:18,679 --> 00:13:21,040 Speaker 1: we we just fall into these habits, and some of 301 00:13:21,040 --> 00:13:22,559 Speaker 1: these habits I think can be hard to break when 302 00:13:22,559 --> 00:13:25,960 Speaker 1: you have an entire generation for the past ten years, well, 303 00:13:25,960 --> 00:13:27,839 Speaker 1: I don't know about twenty years. It's in fifteen years 304 00:13:28,200 --> 00:13:31,640 Speaker 1: where you're just completely used to look into Airbnb and 305 00:13:31,720 --> 00:13:33,760 Speaker 1: you're not even in around for twenty but not twenty, 306 00:13:33,800 --> 00:13:37,559 Speaker 1: but fifty started with convention. When Barack Obama's book, I 307 00:13:37,559 --> 00:13:39,480 Speaker 1: think that was that was kind of the that that 308 00:13:39,559 --> 00:13:42,240 Speaker 1: was like when Airbnb started. I think it was about 309 00:13:42,920 --> 00:13:45,120 Speaker 1: years ago, but I just wanted to mention hotels because 310 00:13:45,160 --> 00:13:47,880 Speaker 1: I feel I feel like the pendulum might swing back 311 00:13:47,920 --> 00:13:50,280 Speaker 1: and you might have a bunch of folks realizing, oh man, 312 00:13:50,360 --> 00:13:52,959 Speaker 1: this it's got a free continental breakfast as well, like 313 00:13:53,040 --> 00:13:55,480 Speaker 1: hook me up. Uh. And so if you are going 314 00:13:55,480 --> 00:13:58,120 Speaker 1: to consider something like that price line or Kayak, don't 315 00:13:58,160 --> 00:14:00,960 Speaker 1: forget that there are these discounts lights that your parents 316 00:14:01,040 --> 00:14:03,559 Speaker 1: used to use. It's a great place in order to 317 00:14:03,600 --> 00:14:06,080 Speaker 1: find a great deal without all the headache that oftentimes 318 00:14:06,160 --> 00:14:08,480 Speaker 1: can come with an air being. And sometimes an airbnb 319 00:14:08,559 --> 00:14:10,800 Speaker 1: makes more sense. Sometimes a hotel makes more sense, and 320 00:14:10,840 --> 00:14:16,040 Speaker 1: sometimes the final price should help. Do you dictate? Let's 321 00:14:16,040 --> 00:14:19,440 Speaker 1: talk about other another tech platform, Matt another giant one 322 00:14:19,800 --> 00:14:22,080 Speaker 1: making a little bit of a tweak to their offering, 323 00:14:22,480 --> 00:14:24,040 Speaker 1: and I don't know is it is it make Is 324 00:14:24,040 --> 00:14:26,440 Speaker 1: it better for consumers? Now? Well you be the judge, 325 00:14:26,480 --> 00:14:30,880 Speaker 1: because Amazon Prime um just massively increase the number of 326 00:14:30,880 --> 00:14:34,160 Speaker 1: songs that Prime members can listen to add free, from 327 00:14:34,360 --> 00:14:37,720 Speaker 1: two million to a hundred million, which sounds awesome on 328 00:14:37,760 --> 00:14:41,680 Speaker 1: its face, right, You're like a massive improvement a free Park. 329 00:14:41,800 --> 00:14:43,960 Speaker 1: That just got a whole lot better, more songs that 330 00:14:43,960 --> 00:14:46,520 Speaker 1: I could ever listen to my entire life, right, I mean, 331 00:14:46,560 --> 00:14:48,440 Speaker 1: many of which are probably complete pieces of crap, but 332 00:14:48,960 --> 00:14:50,320 Speaker 1: you know there's some good stuff on there as well. 333 00:14:50,360 --> 00:14:52,560 Speaker 1: But it comes with a caveat because you've got to 334 00:14:52,640 --> 00:14:56,680 Speaker 1: listen on shuffle. And so listener Stephen, he reached out 335 00:14:56,680 --> 00:14:58,960 Speaker 1: this week and he gave this move a big thumbs down. 336 00:14:59,120 --> 00:15:01,240 Speaker 1: He'd prefer to pick the the exact song or album 337 00:15:01,280 --> 00:15:03,400 Speaker 1: he wants to listen to at any given point in time. 338 00:15:03,560 --> 00:15:05,160 Speaker 1: And I get that because that's kind of how I 339 00:15:05,160 --> 00:15:06,920 Speaker 1: am too. I like to listen to whole albums. I 340 00:15:06,960 --> 00:15:08,680 Speaker 1: like to listen, I like to like pick this. I 341 00:15:08,760 --> 00:15:11,480 Speaker 1: don't want to some sort of music as they were 342 00:15:11,520 --> 00:15:15,320 Speaker 1: intended to be delivered to listeners want an album formatt Yeah, 343 00:15:15,520 --> 00:15:17,040 Speaker 1: I get I get that as well. That's that's the 344 00:15:17,040 --> 00:15:19,880 Speaker 1: whole reason why I stopped listening to music via Pandora 345 00:15:19,960 --> 00:15:21,880 Speaker 1: ten years ago. Like I didn't want to listen to 346 00:15:21,920 --> 00:15:24,440 Speaker 1: the radio over the internet basically where I had no 347 00:15:24,480 --> 00:15:26,880 Speaker 1: control over the actual songs. So you and I we 348 00:15:26,880 --> 00:15:30,040 Speaker 1: we pay for Amazon Music. We split the music unlimited 349 00:15:30,160 --> 00:15:34,360 Speaker 1: because it's worth unlimited family plan right, six lines of listening. 350 00:15:34,480 --> 00:15:37,600 Speaker 1: That's it's like a cell phone. And I think even 351 00:15:37,600 --> 00:15:39,240 Speaker 1: that the price on that just bumped up by ten bucks, 352 00:15:39,280 --> 00:15:41,080 Speaker 1: just like a hundred and sixty bucks a year. But 353 00:15:41,200 --> 00:15:43,520 Speaker 1: we split it and so eighty bucks each not too 354 00:15:43,520 --> 00:15:46,080 Speaker 1: bad for what we're getting. But yeah, Prime offers a 355 00:15:46,120 --> 00:15:48,040 Speaker 1: lot of parks these days. But I feel like this 356 00:15:48,120 --> 00:15:50,320 Speaker 1: is a great reminder even when they're touting something that 357 00:15:50,360 --> 00:15:53,080 Speaker 1: they're saying is better, well, if it's not better for you, 358 00:15:53,160 --> 00:15:55,480 Speaker 1: and if you're not getting enough value from your Prime membership, 359 00:15:55,880 --> 00:15:58,840 Speaker 1: consider getting rid of it. And our friends over at 360 00:15:58,880 --> 00:16:00,760 Speaker 1: Clark dot com they've got this little quiz you can 361 00:16:00,760 --> 00:16:02,560 Speaker 1: take to help you determine whether or not it's worth 362 00:16:02,600 --> 00:16:03,960 Speaker 1: your money. Will link to that in the show notes. 363 00:16:04,000 --> 00:16:05,320 Speaker 1: If you kind of want to see, well, am I 364 00:16:05,360 --> 00:16:06,880 Speaker 1: getting gona value from this or not? And you want 365 00:16:06,920 --> 00:16:09,360 Speaker 1: some sort of non biased quiz to help you figure 366 00:16:09,360 --> 00:16:14,160 Speaker 1: out whether or not you're the membership fee, which is substantial, 367 00:16:14,440 --> 00:16:16,400 Speaker 1: is worth it. Take that. It'll take you just a 368 00:16:16,440 --> 00:16:18,480 Speaker 1: couple of minutes, and I'll help you figure out whether 369 00:16:18,600 --> 00:16:20,920 Speaker 1: or not Prime membership continues to make sense for you. 370 00:16:21,120 --> 00:16:23,360 Speaker 1: That's right, man. Yeah, another way that You can listen 371 00:16:23,400 --> 00:16:26,240 Speaker 1: to music is by going to see it live, but 372 00:16:26,360 --> 00:16:28,760 Speaker 1: it might cost you an arm and a leg. We've 373 00:16:28,800 --> 00:16:31,320 Speaker 1: got that story plus several others to get to right 374 00:16:31,360 --> 00:16:42,680 Speaker 1: after the break. All right, let's keep going with the 375 00:16:42,680 --> 00:16:45,200 Speaker 1: Friday flight, and yes, let's keep talking about music here 376 00:16:45,240 --> 00:16:47,920 Speaker 1: in the ludicrous headline of the week of the week, 377 00:16:48,120 --> 00:16:50,800 Speaker 1: this one comes from Vice and it reads blank one 378 00:16:51,080 --> 00:16:54,040 Speaker 1: two tickets are so expensive because Ticketmaster is a disastrous 379 00:16:54,040 --> 00:16:58,680 Speaker 1: monopoly and a truer A truer headline was never written, right. 380 00:16:58,880 --> 00:17:00,680 Speaker 1: And you and I we don't care too much about 381 00:17:00,680 --> 00:17:02,080 Speaker 1: Blink one two. I don't know what I mean. You 382 00:17:02,120 --> 00:17:03,560 Speaker 1: never listen to them. They were they were fine, but 383 00:17:03,600 --> 00:17:06,760 Speaker 1: I don't listen to now, dude, Ranch that was the 384 00:17:06,840 --> 00:17:08,439 Speaker 1: name of that. Yeah, that was a big That was 385 00:17:08,440 --> 00:17:11,000 Speaker 1: a big one growing up. Or had a different name too, 386 00:17:11,080 --> 00:17:14,359 Speaker 1: but it was that song was on I can't hardly 387 00:17:14,400 --> 00:17:16,560 Speaker 1: wait remember that? Did you ever? I don't know, man, 388 00:17:16,600 --> 00:17:19,600 Speaker 1: I don't remember that one classic coming of age team 389 00:17:19,800 --> 00:17:22,240 Speaker 1: romantic comedy romcom Yeah, well, I mean Blink one A 390 00:17:22,359 --> 00:17:24,439 Speaker 1: two was super hot. I never you know, I remember 391 00:17:24,440 --> 00:17:26,440 Speaker 1: liking a couple of songs, but I can't remember the 392 00:17:26,520 --> 00:17:30,920 Speaker 1: last time daring stuff until now, thank you for this song. 393 00:17:32,080 --> 00:17:34,119 Speaker 1: But the latter part of that head like, that's what 394 00:17:34,160 --> 00:17:36,440 Speaker 1: concerned me the most. I don't really necessary care about 395 00:17:36,480 --> 00:17:39,600 Speaker 1: what blink one eight two. Concert goers in particular are 396 00:17:39,600 --> 00:17:43,760 Speaker 1: paying for tickets. But concert tickets overall are ridiculous, disastrous 397 00:17:43,800 --> 00:17:46,679 Speaker 1: monopoly part of the head line, that's the problem. And 398 00:17:46,720 --> 00:17:50,639 Speaker 1: so the fees alone, the ticket Master charges can equate 399 00:17:50,640 --> 00:17:54,119 Speaker 1: to seventy eight percent of the ticket price. It's stupid. 400 00:17:54,200 --> 00:17:56,639 Speaker 1: So if you want to buy a hundred dollar concert ticket, 401 00:17:56,680 --> 00:17:58,480 Speaker 1: it could be a hundred and seventy eight dollars thanks 402 00:17:58,520 --> 00:18:01,399 Speaker 1: to the kindness of ticket Master. And the truth is, 403 00:18:01,400 --> 00:18:04,080 Speaker 1: the free market incentivize this competition, and if there are 404 00:18:04,080 --> 00:18:06,960 Speaker 1: too few competitors, we tend to see stagnation when it 405 00:18:06,960 --> 00:18:10,400 Speaker 1: comes to the effectiveness and the service and prices, they 406 00:18:10,400 --> 00:18:13,200 Speaker 1: tend to skew upwards. And sadly, since we're talking about 407 00:18:13,240 --> 00:18:16,239 Speaker 1: a monopoly situation here, there's just not a whole lot 408 00:18:16,400 --> 00:18:20,640 Speaker 1: you can do except for send me tweets ticketmasters. That's true. Well, 409 00:18:20,760 --> 00:18:23,159 Speaker 1: there are a couple of options, right, Like one is 410 00:18:23,200 --> 00:18:26,679 Speaker 1: to buy your tickets at the venue itself. You you 411 00:18:26,720 --> 00:18:30,360 Speaker 1: talked about doing this recently too, you know, wouldn't saw 412 00:18:30,359 --> 00:18:32,760 Speaker 1: a play and by doing that you're often able to 413 00:18:33,040 --> 00:18:35,840 Speaker 1: avoid a big chunk of the Ticketmaster fee by taking 414 00:18:35,840 --> 00:18:38,600 Speaker 1: that route, But too, you could go straight to the source. 415 00:18:38,640 --> 00:18:41,360 Speaker 1: You can tell your favorite artists not to do business 416 00:18:41,440 --> 00:18:44,680 Speaker 1: with Ticketmaster, you know, um kind of taking that approach 417 00:18:45,040 --> 00:18:48,040 Speaker 1: like a little subtle social pressure. I think that could 418 00:18:48,040 --> 00:18:50,680 Speaker 1: help to to create some change. Comment on Taylor shows 419 00:18:50,680 --> 00:18:52,800 Speaker 1: Instagram post and be like, hey, love your new album, 420 00:18:53,480 --> 00:18:56,120 Speaker 1: slip into those those d M could you avoid Ticketmaster 421 00:18:56,160 --> 00:18:58,119 Speaker 1: in the future. Uh. Something else to consider too, and 422 00:18:58,160 --> 00:18:59,920 Speaker 1: this is probably gonna be a less popular option is 423 00:19:00,040 --> 00:19:02,639 Speaker 1: just go into fewer shows. Kind of feels like a 424 00:19:02,760 --> 00:19:06,040 Speaker 1: crappy suggestion, but I mean the more we just opt 425 00:19:06,080 --> 00:19:09,440 Speaker 1: for different forms of entertainment, the more Ticketmaster in particular 426 00:19:09,440 --> 00:19:12,320 Speaker 1: will feel the pinch. I think voting with your feet, right, 427 00:19:12,480 --> 00:19:15,240 Speaker 1: voting with your dollars when a monopoly is is wreaking 428 00:19:15,280 --> 00:19:18,160 Speaker 1: havoc on an industry. It's just one of the only 429 00:19:18,240 --> 00:19:21,159 Speaker 1: choices that I consume are oftentimes has Yeah, thats crappy. 430 00:19:21,200 --> 00:19:22,840 Speaker 1: I wish there was better advice that we could give, 431 00:19:23,200 --> 00:19:26,479 Speaker 1: but ticket Master fees are like an anvil around all 432 00:19:26,520 --> 00:19:28,520 Speaker 1: of our necks, anybody who likes going to see live 433 00:19:28,560 --> 00:19:31,760 Speaker 1: shows because of the stranglehold they have on the industry. 434 00:19:32,080 --> 00:19:34,199 Speaker 1: It's a real problem and it's costing us all dearly, 435 00:19:34,240 --> 00:19:36,760 Speaker 1: costing us lots of money. But yeah, I guess those 436 00:19:36,760 --> 00:19:39,359 Speaker 1: are That's the best advice we have. That's that's all 437 00:19:39,400 --> 00:19:41,760 Speaker 1: we can offer, at least it's something. Let's talk about 438 00:19:41,760 --> 00:19:43,480 Speaker 1: credit scores map for a second, because we we've talked 439 00:19:43,520 --> 00:19:46,040 Speaker 1: about the many ways that your credit score impacts you 440 00:19:46,080 --> 00:19:49,160 Speaker 1: over the years. It's a massively important number worth paying 441 00:19:49,240 --> 00:19:51,840 Speaker 1: attention to. Episode two eight seven is a great place 442 00:19:51,880 --> 00:19:54,200 Speaker 1: to start if you don't know much about credit scores 443 00:19:54,240 --> 00:19:57,160 Speaker 1: and how they impact your life, how they impact your finances. 444 00:19:57,200 --> 00:20:00,000 Speaker 1: But a recent study that got released this week by 445 00:20:00,040 --> 00:20:03,000 Speaker 1: and Surify finds that your credit score has a massive 446 00:20:03,040 --> 00:20:05,639 Speaker 1: impact on what you pay for car insurance. That's again, 447 00:20:05,640 --> 00:20:08,400 Speaker 1: that's something we've talked about over the years, at least 448 00:20:08,400 --> 00:20:10,640 Speaker 1: in the states, by the way, that don't prohibit insures 449 00:20:10,680 --> 00:20:14,399 Speaker 1: from using that as a data point in their scoring models. 450 00:20:14,440 --> 00:20:17,320 Speaker 1: There are a few states where they say Nope, not allowed. 451 00:20:17,560 --> 00:20:19,600 Speaker 1: And so even if you have a terrible credit it's 452 00:20:19,640 --> 00:20:22,159 Speaker 1: not impacting, right, what's you pay for car insurance. But 453 00:20:22,760 --> 00:20:26,399 Speaker 1: this study found that drivers with excellent credit can expect 454 00:20:26,440 --> 00:20:28,800 Speaker 1: to pay as much as two thousand dollars less each 455 00:20:28,880 --> 00:20:32,359 Speaker 1: year for insurance then their counterparts with a rough score. 456 00:20:32,600 --> 00:20:34,720 Speaker 1: And I'm gonna be captain obvious here, Matt and say 457 00:20:35,160 --> 00:20:38,240 Speaker 1: that's a lot of money money. And so the advice 458 00:20:38,240 --> 00:20:39,760 Speaker 1: we would say here is to pay attention to your 459 00:20:39,800 --> 00:20:42,919 Speaker 1: credit score people, because it can have wide ranging impacts. 460 00:20:42,960 --> 00:20:45,880 Speaker 1: It can cost you money if you neglect your credit score, 461 00:20:45,880 --> 00:20:47,560 Speaker 1: if you're not building it up, if you're not making 462 00:20:47,560 --> 00:20:52,440 Speaker 1: sure that it's in healthy territory, and something as seemingly 463 00:20:52,520 --> 00:20:55,760 Speaker 1: insignificant as your credit score, it's it's not insignificant, and 464 00:20:55,800 --> 00:20:57,800 Speaker 1: it can massively mess you up when it comes to 465 00:20:57,880 --> 00:21:00,560 Speaker 1: what you're paying to your car insure. Right. And obviously, 466 00:21:00,600 --> 00:21:03,520 Speaker 1: even though the credit scoring models and the different bureaus 467 00:21:03,560 --> 00:21:05,960 Speaker 1: out there like they've got their problems right that the 468 00:21:05,960 --> 00:21:09,320 Speaker 1: credit bureers they're not terribly trustworthy, that doesn't mean that 469 00:21:09,359 --> 00:21:11,360 Speaker 1: you should opt out of the system right where you're 470 00:21:11,440 --> 00:21:15,399 Speaker 1: neglecting your score altogether, because it does have these wide 471 00:21:15,440 --> 00:21:18,320 Speaker 1: ranging impacts. And instead, we want you to monitor, we 472 00:21:18,320 --> 00:21:20,560 Speaker 1: want you to seek to improve that score. Of your time. 473 00:21:20,920 --> 00:21:23,280 Speaker 1: I mean currently, not that many folks are are buying 474 00:21:23,320 --> 00:21:26,200 Speaker 1: homes right now, but your credit score. It doesn't only 475 00:21:26,240 --> 00:21:28,280 Speaker 1: impact you if you're looking to get a mortgage. Uh. 476 00:21:28,280 --> 00:21:30,600 Speaker 1: And this new study from and Surify it should you know, 477 00:21:30,600 --> 00:21:32,439 Speaker 1: I should have us all making sure that we're at 478 00:21:32,480 --> 00:21:35,520 Speaker 1: least above h that seven twenty mark. You don't necessarily 479 00:21:35,640 --> 00:21:37,520 Speaker 1: need to have a perfect credit score, Jill. That was 480 00:21:37,560 --> 00:21:40,800 Speaker 1: another episode that we dedicated solely to the credit score. 481 00:21:40,840 --> 00:21:42,119 Speaker 1: Will make sure to link to that one in the 482 00:21:42,119 --> 00:21:45,080 Speaker 1: show notes where it's this perfect. I mean, we see 483 00:21:45,080 --> 00:21:47,199 Speaker 1: it as a tool, right, And so imagine a hammer, 484 00:21:47,600 --> 00:21:50,000 Speaker 1: and you've got somebody who's sitting there and they're buffing 485 00:21:50,000 --> 00:21:53,159 Speaker 1: and polishing, and they've got the perfect hammer. But we 486 00:21:53,200 --> 00:21:55,480 Speaker 1: think hammers are made to be used, which means there's 487 00:21:55,480 --> 00:21:57,240 Speaker 1: gonna be some little dings on there. It's gonna be 488 00:21:57,320 --> 00:21:59,040 Speaker 1: kind of rough around the edges. But guess what you're 489 00:21:59,160 --> 00:22:01,080 Speaker 1: using it for, what it's supposed to be used for. 490 00:22:01,200 --> 00:22:03,720 Speaker 1: You don't necessarily it's not an end and of itself. 491 00:22:03,960 --> 00:22:05,720 Speaker 1: It's a means to an end. And that's where you 492 00:22:05,760 --> 00:22:08,800 Speaker 1: said seven twenty. I agree some somewhere in that seven 493 00:22:10,080 --> 00:22:11,879 Speaker 1: that's gonna that's gonna do you just fine, You're not 494 00:22:11,880 --> 00:22:15,080 Speaker 1: gonna get penalized for having a score above that point. 495 00:22:15,400 --> 00:22:16,800 Speaker 1: So yeah, I would I would shoot for that. I 496 00:22:16,840 --> 00:22:18,480 Speaker 1: would say, like, listen where am I at with my 497 00:22:18,560 --> 00:22:20,560 Speaker 1: credit score? Take a look on a site like credit 498 00:22:20,600 --> 00:22:22,200 Speaker 1: carma dot com so you can kind of see where 499 00:22:22,240 --> 00:22:24,040 Speaker 1: you stand and know where you can improve. That's what 500 00:22:24,080 --> 00:22:26,520 Speaker 1: I like about credit Carmons. They've got the scorecard that 501 00:22:26,560 --> 00:22:28,359 Speaker 1: can help you see like, Okay, I'm not doing so 502 00:22:28,400 --> 00:22:30,639 Speaker 1: great in this one. They've got the tips, the advice 503 00:22:30,760 --> 00:22:33,680 Speaker 1: exactly which can help you know how to what changes 504 00:22:33,720 --> 00:22:36,320 Speaker 1: to make so you can improve that score, leading you 505 00:22:36,359 --> 00:22:38,399 Speaker 1: to be able to increase that credit score, which will 506 00:22:38,440 --> 00:22:41,480 Speaker 1: hopefully save you money over the years, especially on something 507 00:22:41,520 --> 00:22:44,280 Speaker 1: like car insurance, which is you know when we've talked 508 00:22:44,280 --> 00:22:46,600 Speaker 1: about Matt, Like my own personal car insurance rate went 509 00:22:46,640 --> 00:22:48,560 Speaker 1: up quite a bit this year, and the same is 510 00:22:48,600 --> 00:22:50,000 Speaker 1: true for a lot of people out their car insurance 511 00:22:50,080 --> 00:22:52,600 Speaker 1: rates are going up. Don't shoot yourself in the foot 512 00:22:52,760 --> 00:22:54,840 Speaker 1: by having a crappy credit score to go along with it. 513 00:22:55,160 --> 00:22:58,280 Speaker 1: Let's talk about sal salary transparency laws for a second, 514 00:22:58,280 --> 00:23:03,359 Speaker 1: because they're becoming more invoke. There's conflicting information about whether 515 00:23:03,480 --> 00:23:05,320 Speaker 1: or not they actually help workers all that much in 516 00:23:05,320 --> 00:23:09,040 Speaker 1: their ability to negotiate. And New York City just implemented 517 00:23:09,080 --> 00:23:12,000 Speaker 1: one of these laws and employers are starting to comply 518 00:23:12,840 --> 00:23:15,959 Speaker 1: sort of, uh City for instance, Like technically they are 519 00:23:15,960 --> 00:23:19,520 Speaker 1: complaying right right. The reality is, yeah, there's a lot 520 00:23:19,520 --> 00:23:21,520 Speaker 1: to be desired when let's give some examples. Because City 521 00:23:21,560 --> 00:23:24,679 Speaker 1: Bank listened a job as a position being paid anywhere 522 00:23:24,720 --> 00:23:28,080 Speaker 1: from zero dollars to two million dollars, so they based 523 00:23:28,080 --> 00:23:29,840 Speaker 1: on this law, people are supposed to give a these 524 00:23:29,840 --> 00:23:32,159 Speaker 1: these employers are supposed to give a good faith range 525 00:23:32,800 --> 00:23:37,200 Speaker 1: of a salary that a potential applicant can expect. City 526 00:23:37,240 --> 00:23:40,640 Speaker 1: has since corrected, saying that this was listed in error. 527 00:23:40,640 --> 00:23:43,720 Speaker 1: But now that salary range is from sixty dollars to 528 00:23:43,840 --> 00:23:45,920 Speaker 1: a hundred and fifty five thousand dollars, which is still 529 00:23:46,160 --> 00:23:48,720 Speaker 1: just quite a big window. The Wall Street Journal listed 530 00:23:48,760 --> 00:23:52,240 Speaker 1: a position I think for an audio engineer or something 531 00:23:52,240 --> 00:23:55,320 Speaker 1: that are somebody to oversee some of their podcast production, 532 00:23:55,680 --> 00:23:58,920 Speaker 1: and the salary range possibility was a hundred forty to 533 00:23:59,040 --> 00:24:02,800 Speaker 1: four hundred and fift thousand dollars, massive stinking range. Yeah, 534 00:24:02,840 --> 00:24:05,040 Speaker 1: you can't make that up, Like that's a massive range, 535 00:24:05,040 --> 00:24:07,880 Speaker 1: and you can't make decisions based on a range like that, exactly. Yeah, 536 00:24:07,920 --> 00:24:11,240 Speaker 1: it's really hard to know. It doesn't necessarily the salary 537 00:24:11,280 --> 00:24:13,879 Speaker 1: transparency laws they might not be having the effect that 538 00:24:13,920 --> 00:24:16,119 Speaker 1: they intended to have. And so if you are in 539 00:24:16,160 --> 00:24:18,960 Speaker 1: the job market, you're going to see more salary ranges 540 00:24:19,080 --> 00:24:22,400 Speaker 1: listed when you're looking at potential jobs, no matter where 541 00:24:22,440 --> 00:24:24,439 Speaker 1: you live. Just because this New York City law and 542 00:24:24,520 --> 00:24:27,480 Speaker 1: some some other states have implemented similar laws, you're just 543 00:24:27,520 --> 00:24:30,119 Speaker 1: gonna start seeing it more often. But just no, they 544 00:24:30,200 --> 00:24:33,640 Speaker 1: might not be terribly helpful, and it's still crucial to negotiate, 545 00:24:33,720 --> 00:24:35,960 Speaker 1: so you end up with a salary hopefully closer to 546 00:24:35,960 --> 00:24:38,080 Speaker 1: the top or of that range than the bottom. Sure. Yeah, 547 00:24:38,119 --> 00:24:40,760 Speaker 1: And this is also just a reminder that the secondary 548 00:24:41,040 --> 00:24:43,880 Speaker 1: perks or benefits of you know, from where you work 549 00:24:43,960 --> 00:24:46,760 Speaker 1: that can also make up for perhaps a smaller salary. 550 00:24:47,040 --> 00:24:49,000 Speaker 1: And I'm talking about the things that you don't see 551 00:24:49,000 --> 00:24:52,000 Speaker 1: listed out there in the headline pay number, like a 552 00:24:52,119 --> 00:24:55,959 Speaker 1: robust and inexpensive healthcare plan, or different health benefits like 553 00:24:56,160 --> 00:24:59,080 Speaker 1: a gym membership, and of course the suite four O 554 00:24:59,200 --> 00:25:01,920 Speaker 1: n K match. Honestly, that's a primary like, that's the 555 00:25:01,920 --> 00:25:03,439 Speaker 1: open of the primary things you should be looking at, 556 00:25:03,480 --> 00:25:04,840 Speaker 1: and it might be worth getting paid a little bit 557 00:25:04,920 --> 00:25:08,080 Speaker 1: less if somebody is offering six percent match versus zero percent. 558 00:25:08,119 --> 00:25:10,719 Speaker 1: Absolutely yeah. But the thing is you might not even 559 00:25:10,880 --> 00:25:13,639 Speaker 1: end up making less money. And we say this because 560 00:25:13,640 --> 00:25:18,040 Speaker 1: Fidelity they're now offering their workers access to a free 561 00:25:18,080 --> 00:25:23,120 Speaker 1: college education to thousands of entry level employees. UH City Bank, 562 00:25:23,240 --> 00:25:25,639 Speaker 1: P and C they already have similar programs like this 563 00:25:25,720 --> 00:25:28,480 Speaker 1: in place. Um, this is great to see, right, because 564 00:25:28,520 --> 00:25:31,840 Speaker 1: businesses that invest within their their their people, within their 565 00:25:31,840 --> 00:25:34,760 Speaker 1: employees breeds loyalty. I think I saw that Chipotle. They 566 00:25:34,880 --> 00:25:37,960 Speaker 1: found that for folks who took advantage of this offering, 567 00:25:38,440 --> 00:25:41,359 Speaker 1: that employees were three and a half times more likely 568 00:25:41,480 --> 00:25:43,480 Speaker 1: to stick around there at the company, and seven times 569 00:25:43,520 --> 00:25:46,320 Speaker 1: more likely to climb the ranks, and that to be 570 00:25:46,440 --> 00:25:50,080 Speaker 1: promoted into higher management positions. I guess I feel like 571 00:25:50,080 --> 00:25:52,119 Speaker 1: that happens at Starbucks too. It's like you start off 572 00:25:52,160 --> 00:25:54,600 Speaker 1: as a barista and you get those parks, you get 573 00:25:54,600 --> 00:25:56,800 Speaker 1: some of the retirement benefits, and you get some of 574 00:25:56,840 --> 00:25:59,280 Speaker 1: the college and health insurance benefits, and you're like, man, 575 00:25:59,359 --> 00:26:01,679 Speaker 1: this company's true. Be nice here when I'm making fifteen 576 00:26:01,720 --> 00:26:03,639 Speaker 1: bucks an hour, why would I leave? Maybe I'll go 577 00:26:03,760 --> 00:26:05,760 Speaker 1: store and district manager route and and that works for 578 00:26:05,800 --> 00:26:07,359 Speaker 1: a lot of people. And it's a smart move for 579 00:26:07,400 --> 00:26:09,240 Speaker 1: companies to be treating their folks this way. And so 580 00:26:09,480 --> 00:26:10,879 Speaker 1: just keep that in mind. Right, if you're looking for 581 00:26:11,040 --> 00:26:13,959 Speaker 1: another job, just be sure to research and ask about 582 00:26:14,000 --> 00:26:17,639 Speaker 1: these secondary benefits and perks that might be beneficial to 583 00:26:17,680 --> 00:26:21,440 Speaker 1: you in addition to securing the right salary. Yeah, for sure. 584 00:26:21,640 --> 00:26:23,840 Speaker 1: So all right, Matt, last story for today. Let's let's 585 00:26:23,840 --> 00:26:26,720 Speaker 1: talk about an article that Vox published about the history 586 00:26:26,720 --> 00:26:30,040 Speaker 1: of bottled water. And it's worth a read because there 587 00:26:30,160 --> 00:26:32,760 Speaker 1: is a lot of clever marketing in the bottled water space. 588 00:26:33,240 --> 00:26:35,480 Speaker 1: I feel like they're trying to make us think that 589 00:26:35,560 --> 00:26:38,440 Speaker 1: we're drinking some sort of superior H two O from 590 00:26:38,440 --> 00:26:41,680 Speaker 1: an impeccable mountain spring or something like that, like these 591 00:26:41,760 --> 00:26:46,360 Speaker 1: like Bobby Boucher Glacier Water, right exactly? Yeah, is it? 592 00:26:45,920 --> 00:26:50,640 Speaker 1: What is it? Bouche, the water Boy, the water Boy. Yeah, 593 00:26:50,760 --> 00:26:53,600 Speaker 1: but when Glacier Water that like brings them back to life. 594 00:26:53,760 --> 00:26:57,399 Speaker 1: Spoiler alert if you haven't seen it yet, uh, you 595 00:26:57,480 --> 00:26:59,040 Speaker 1: might not want to know. But it is, of course 596 00:26:59,080 --> 00:27:01,359 Speaker 1: a very good movie. But but the vast majority of 597 00:27:01,359 --> 00:27:05,040 Speaker 1: bottle water mat it doesn't come from these like mountain 598 00:27:05,080 --> 00:27:08,960 Speaker 1: springs somewhere in Scandinavia that are untouched and like the 599 00:27:09,000 --> 00:27:11,000 Speaker 1: purest water on the face of the earth. So much 600 00:27:11,000 --> 00:27:13,760 Speaker 1: of it comes from municipal sources, right, And that that 601 00:27:13,800 --> 00:27:16,280 Speaker 1: means that the same place as your tap water. And 602 00:27:16,359 --> 00:27:19,200 Speaker 1: as the article states, and I quote, we've fallen into 603 00:27:19,240 --> 00:27:22,040 Speaker 1: the trap of paying to consume a natural resource that's 604 00:27:22,200 --> 00:27:26,679 Speaker 1: generally widely available for cheap or free and end quote. Uh. So, 605 00:27:26,760 --> 00:27:29,879 Speaker 1: drinking bottle water regularly has been a thing for some folks, 606 00:27:29,880 --> 00:27:32,200 Speaker 1: at least for a lot of times, and largely it's 607 00:27:32,200 --> 00:27:34,919 Speaker 1: because they bought into a false narrative. But it's just 608 00:27:34,960 --> 00:27:38,560 Speaker 1: a financially silly move spend money on bottle water either 609 00:27:38,600 --> 00:27:41,640 Speaker 1: because tap water it's perfectly safe. It tastes just fine 610 00:27:41,640 --> 00:27:44,480 Speaker 1: in most cases, except for some parts of Florida. I 611 00:27:44,480 --> 00:27:46,240 Speaker 1: don't know why. Uh, And it's not going to break 612 00:27:46,240 --> 00:27:48,879 Speaker 1: the bank, right because bottle water it's it's just avoidable 613 00:27:48,920 --> 00:27:51,320 Speaker 1: most of the time. And so yeah, it's it's an 614 00:27:51,359 --> 00:27:54,240 Speaker 1: environmental concern and some in some instances, and from where 615 00:27:54,240 --> 00:27:56,760 Speaker 1: we're sitting, it's a it's a financial concern for some folks, 616 00:27:56,800 --> 00:27:59,360 Speaker 1: like don't don't bother with bottle water? Sure well, And 617 00:27:59,359 --> 00:28:01,280 Speaker 1: and I think some folks would balk at the fact 618 00:28:01,680 --> 00:28:03,840 Speaker 1: at use saying that like it tastes just fine, because 619 00:28:03,880 --> 00:28:05,520 Speaker 1: I would say, here in Atlanta, I don't know if 620 00:28:05,560 --> 00:28:07,440 Speaker 1: it's because we're in a bigger city like this, it 621 00:28:07,480 --> 00:28:09,240 Speaker 1: seems like maybe they have to treat the water more 622 00:28:09,280 --> 00:28:11,200 Speaker 1: in order to make sure that it's safe. But there's 623 00:28:11,240 --> 00:28:14,480 Speaker 1: some days when like the chlorine coming off the water 624 00:28:14,520 --> 00:28:16,320 Speaker 1: coming out of the tap, it's quite strong, right Like 625 00:28:16,359 --> 00:28:18,680 Speaker 1: obviously at home, our water goes through the it's filter 626 00:28:18,760 --> 00:28:20,800 Speaker 1: through the fridge. But here in the office, we just 627 00:28:20,800 --> 00:28:22,359 Speaker 1: get our water straight out of the sink. You can 628 00:28:22,359 --> 00:28:24,680 Speaker 1: smell it. But what did we do? Just buy a cheap, 629 00:28:25,240 --> 00:28:28,040 Speaker 1: basic little brid of filter and filter that water through there. 630 00:28:28,320 --> 00:28:30,200 Speaker 1: And oftentimes I think folks are I mean, they're buying 631 00:28:30,200 --> 00:28:32,480 Speaker 1: water because they're they're just doing it at a convenience, right, 632 00:28:32,560 --> 00:28:34,919 Speaker 1: Like they're not thinking ahead. They're hopping in the car 633 00:28:34,920 --> 00:28:37,240 Speaker 1: and they're running some errand so they're taking a trip 634 00:28:37,280 --> 00:28:40,120 Speaker 1: and they're like, oh man, I'm really thirsty, and they 635 00:28:40,160 --> 00:28:43,000 Speaker 1: buy water because it's like the healthy option right, instead 636 00:28:43,000 --> 00:28:44,840 Speaker 1: of like grabbing a coke or something like that. But 637 00:28:44,880 --> 00:28:47,560 Speaker 1: all it takes, Like I say this almost as a reminder, 638 00:28:47,600 --> 00:28:49,840 Speaker 1: because we are so used to having water, Like literally, 639 00:28:49,840 --> 00:28:51,760 Speaker 1: I'm I've got a water bottle here at my hand, 640 00:28:52,240 --> 00:28:54,640 Speaker 1: and fill up your own stupid water bottle and take 641 00:28:54,680 --> 00:28:56,440 Speaker 1: it with you just takes a little bit of just 642 00:28:56,480 --> 00:28:59,000 Speaker 1: a little bit of foresight and taking it on on 643 00:28:59,040 --> 00:29:01,280 Speaker 1: the plane to empty water bottle, getting it through t 644 00:29:01,400 --> 00:29:03,719 Speaker 1: s A, and then filling it up after you get through. Absolutely, 645 00:29:03,840 --> 00:29:06,360 Speaker 1: and again it's something that we are so used to doing, 646 00:29:06,360 --> 00:29:08,960 Speaker 1: and this is something that doesn't require you to make 647 00:29:09,000 --> 00:29:11,040 Speaker 1: another purchase as well. I guarantee you've got a water 648 00:29:11,040 --> 00:29:13,720 Speaker 1: bottle at home. It's probably it's in that box in 649 00:29:13,760 --> 00:29:16,000 Speaker 1: the attic, like go up there, like you probably you 650 00:29:16,000 --> 00:29:17,440 Speaker 1: don't just have one, you probably have like six or 651 00:29:17,440 --> 00:29:19,200 Speaker 1: seven of them up there. I've seen a lot of 652 00:29:19,240 --> 00:29:22,520 Speaker 1: stuff floating around about liquid death, which is like water. 653 00:29:22,600 --> 00:29:26,160 Speaker 1: It's like an entirely new brand trying to appeal to 654 00:29:26,200 --> 00:29:28,760 Speaker 1: the monster drinkers out there. That like there's the bottle 655 00:29:28,800 --> 00:29:31,640 Speaker 1: water that comes in a cardboard box. I mean, there's 656 00:29:31,680 --> 00:29:34,000 Speaker 1: all sorts that there's also some marketing behind it, but 657 00:29:34,080 --> 00:29:37,120 Speaker 1: in every single form, it costs you money unnecessarily. And 658 00:29:37,160 --> 00:29:39,400 Speaker 1: it's it's not that every once in a while it's 659 00:29:39,400 --> 00:29:41,120 Speaker 1: not okay to buy a bottle water, but it just 660 00:29:41,120 --> 00:29:43,520 Speaker 1: shouldn't be a regularly rare like literally, I'm looking at 661 00:29:43,560 --> 00:29:45,560 Speaker 1: the water bottles you to have on our tail right here, 662 00:29:45,760 --> 00:29:48,640 Speaker 1: my red takaya takia. I don't even know how you 663 00:29:48,680 --> 00:29:50,640 Speaker 1: say it, because I didn't buy it. I got it 664 00:29:50,680 --> 00:29:52,440 Speaker 1: for free. It was left over at a party that 665 00:29:52,480 --> 00:29:55,520 Speaker 1: we were helping helping to clean up at at a 666 00:29:55,560 --> 00:29:59,440 Speaker 1: financial conference four years ago. Yours is free as well, 667 00:29:59,520 --> 00:30:01,800 Speaker 1: like both of these. I guess I say that because 668 00:30:01,840 --> 00:30:04,000 Speaker 1: I think we are not alone in the water bottles 669 00:30:04,000 --> 00:30:05,719 Speaker 1: that folks have at home and just actually put them 670 00:30:05,760 --> 00:30:07,120 Speaker 1: to use. And if you before you get in the car, 671 00:30:07,160 --> 00:30:08,560 Speaker 1: before you hop on the bike, and if you don't 672 00:30:08,600 --> 00:30:10,560 Speaker 1: have any in the attic, Metel lend you want because 673 00:30:10,560 --> 00:30:13,760 Speaker 1: he's got extras, that's right, all right, that that's gonna 674 00:30:13,760 --> 00:30:16,360 Speaker 1: do it for this episode. For folks who want links 675 00:30:16,400 --> 00:30:19,840 Speaker 1: to what we mentioned today, including that article about the 676 00:30:19,880 --> 00:30:21,880 Speaker 1: built credit card and that you get paid to rent, 677 00:30:21,920 --> 00:30:24,720 Speaker 1: you can find that and more in our charlottes on 678 00:30:24,720 --> 00:30:26,680 Speaker 1: how to money dot com. That's right, but that's gonna 679 00:30:26,720 --> 00:30:29,360 Speaker 1: be it for today, Joel. Until next time, best friends 680 00:30:29,360 --> 00:30:30,720 Speaker 1: out and best friends out