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Speaker 1: Welcome to how to Money. I'm Joel, I am Matt.

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Speaker 1: Today we're talking richer refunds, three dollars dinners, and best

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Speaker 1: Costco buys.

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Speaker 2: Oh that's right, we are going to talk about your

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Speaker 2: absolute favorite store. Do you Is there any other store

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Speaker 2: that you go in and you get excited? Because I

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Speaker 2: think that's how you are when you go into That's

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Speaker 2: how I am when I go into a home depot.

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Speaker 1: I just don't really go into other stores very much.

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Speaker 1: So yeah, like where else where else do I physically shop?

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Speaker 2: When you go into Target, you don't get pumped like

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Speaker 2: you do when you go into Costco.

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Speaker 1: I guess there's like like when I go into, Uh,

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Speaker 1: there's this one, like it's an hour and halfway, so

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Speaker 1: I rarely go in. But it's like a folk art

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Speaker 1: place in a little downtown, small small Georgia town, And

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Speaker 1: when I go in there, I get really excited.

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Speaker 2: Okay, but is because you know you're going to walk

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Speaker 2: out with a cool, affordable.

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Speaker 1: Or just look groovy piece of art. Just looking man,

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Speaker 1: it like makes me happy. So just walking around there

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Speaker 1: is awesome, and I just can't. I feel like I

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Speaker 1: do so much for my shopping online that I'm not

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Speaker 1: going into a ton of physical retailers. Costco is one

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Speaker 1: that I make an exception for. Yeah, groceries in particular.

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Speaker 2: Okay, this is our Friday flight that we're gonna talk

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Speaker 2: about the headlines from this past week and how they

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Speaker 2: are going to impact your wallet, and specifically, Joel, I

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Speaker 2: wanted to talk about US Mobile.

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Speaker 1: Because I don't not sponsored, by the way, just.

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Speaker 2: We are not sponsored, although we do we've got an

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Speaker 2: affiliate relationship with them, that's true, but we don't make

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Speaker 2: any money from them.

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Speaker 1: We may, like actually checked all of last year.

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Speaker 2: Gets so much money we made from our US Mobile

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Speaker 2: affiliate relation one hundred and twenty.

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Speaker 1: Bucks at two hundred and seventy fives. Okay, nicely done.

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Speaker 1: So it's not like we make any money from them,

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Speaker 1: hardly at all. But you are still with US Mobile, correct? Okay?

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Speaker 2: Did you see the email that they sent out prior

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Speaker 2: to winter Storm Fern last week, the five gigabyte top off?

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Speaker 1: Oh no, I don't, And then I don't think I

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Speaker 1: saw that. You didn't see that?

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Speaker 2: No?

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Speaker 1: Do? Everybody got more more data yeah, for free ahead

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Speaker 1: of the storm.

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Speaker 2: Because essentially what they were doing they were looking at

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Speaker 2: looking at the forecast, and they're like, man, people are

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Speaker 2: going to be in a pinch. People are going to

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Speaker 2: lose power, they're going to lose their home internet, and

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Speaker 2: so why not preemptively make sure that folks are topped off,

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Speaker 2: that they've got enough data so weather this storm. I

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Speaker 2: absolutely love the kind of customer service and the thought

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Speaker 2: process that went into making sure that their customers were

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Speaker 2: taken care.

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Speaker 1: Of ahead of that storm. I think it's so cool, man.

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Speaker 2: And you know what, there's a lot of times that

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Speaker 2: we call businesses out for behaving poorly, and this is

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Speaker 2: a g but when they do something great, and obviously

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Speaker 2: we like US Mobile regardless their low rates, it's so affordable.

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Speaker 2: But when they go above and beyond like this, it

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Speaker 2: just makes me so happy that we are with a

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Speaker 2: company like US Mobile when it comes to our cell provider.

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Speaker 1: Man, same, Yeah, I agree. And just something else worth

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Speaker 1: mentioning is that they do have a ridiculous sale going

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Speaker 1: on right now to Maunt. I really saw that. Yeah.

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Speaker 1: So like the middle tier plan that they offer, the

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Speaker 1: unlimited Starter or maybe it's their most basic plan. Even still,

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Speaker 1: it's an incredible, incredible plan with unlimited talk and text

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Speaker 1: and high speed data ten dollars a month for the

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Speaker 1: whole year for your first year. Oh, I see it

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Speaker 1: for your first year. So if you're not yet a customer,

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Speaker 1: we will If you want to support how of money,

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Speaker 1: we'll put our affiliate link in the show notes. We

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Speaker 1: might double our earnings from last year. Yeah, to some

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Speaker 1: news and we'll put up there's a promo code that

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Speaker 1: you have to insert when you click through. But think

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Speaker 1: about that one hundred and twenty dollars for a year

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Speaker 1: of cell phone coverage with unlimited everything. That's a lot

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Speaker 1: of people pay that per month. It's what I was

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Speaker 1: just thinking. If you're a Verizon customer, you're like, that's

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Speaker 1: my month. That Bill Man.

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Speaker 2: Such a disparity between the big name brands that market

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Speaker 2: and have the massive advertising campaigns and the envy and

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Speaker 2: o's that don't do any marketing. Yeah, but they're able

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Speaker 2: to provide something on the cheap.

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Speaker 1: I love that.

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Speaker 2: So I wanted to mention that because I didn't even

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Speaker 2: know the sale was going on. I was just happy

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Speaker 2: that they did that last week, and I thought, man,

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Speaker 2: here's a company that knows what's up.

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Speaker 1: So I love that.

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Speaker 2: Something that a lot of folks don't love Joel is tipping,

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Speaker 2: and specifically let's talk about New York City, because they've

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Speaker 2: got this new tipping prompt that went into effect this

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Speaker 2: week requiring a minimum suggested tip amount of ten percent

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Speaker 2: on all door dash orders and right share Uber rides

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Speaker 2: as well, And so as a consumer, you will be

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Speaker 2: able to reduce the tip amount if you'd like. But

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Speaker 2: many I think we're going to accept the prompt and

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Speaker 2: they're going to just do the standard ten percent because

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Speaker 2: it's suggested, and so I do think on the like

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Speaker 2: the silver lining here. On the plus side, I think

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Speaker 2: this might cause sticker shock for a lot of folks,

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Speaker 2: leading to many folks to rethink the sort of knee

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Speaker 2: drik habit of ordering food via apps and whatnot, because

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Speaker 2: they're like.

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Speaker 1: Oh, maybe it's worth it at nineteen dollars for my

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Speaker 1: favorite dish from the local eater. But wait, with this now,

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Speaker 1: it's like twenty five. I didn't realize it was going

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Speaker 1: to be that much. Yeah, I think you and I

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Speaker 1: might disable.

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Speaker 2: I think my math didn't work just there, but it

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Speaker 2: felt more like a twenty five percent to go with it.

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Speaker 2: Either way, you kind of cross into that twenty dollars

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Speaker 2: plus threshold it starts feeling a bit more expensive. And

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Speaker 2: I was gonna say, I think you and I might

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Speaker 2: have different opinions on this, but I don't think it's

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Speaker 2: that big of a deal. First of all, ten percent

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Speaker 2: not a massively ridiculous, absurd amount of money, right, But

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Speaker 2: then on top of that, again, the fact that you

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Speaker 2: can change it tells me that, all right, you just

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Speaker 2: go in there, just like there's always like the prompts

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Speaker 2: and you can select other type in your own amount.

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Speaker 1: I think we.

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Speaker 2: Just it would be different. I would feel differently about

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Speaker 2: it if this was some sort of nationwide implementation, right,

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Speaker 2: if this was done at the federal level, would not

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Speaker 2: like that. But the fact that New York City's experimenting

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Speaker 2: with this, all right, I love it. The ability for

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Speaker 2: an individual, not even a state, but an individual city

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Speaker 2: to experiment in this way, I am all for that.

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Speaker 2: But also we have to be able to advocate for ourselves, right, Like,

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Speaker 2: all throughout life, there are going to be times when

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Speaker 2: we're prompt or something's going to be asked of us,

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Speaker 2: and we just have to be our own best advocate,

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Speaker 2: not our own best enemy or our worst enemy. And

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Speaker 2: like I was, just like Goodwill recently and they're like,

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Speaker 2: would you like to round up? I don't know what

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Speaker 2: they do to give to charity something like that. Yeah,

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Speaker 2: it's the support or maybe it's like the job training

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Speaker 2: okay thing the programs that they do. But I was like, oh, yeah, sure,

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Speaker 2: you know, it's like fifty cents or something like that.

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Speaker 1: But I don't know if I was in a situation

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Speaker 1: where the budget was a little bit.

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Speaker 2: Tighter and I'm like, I don't know if I want

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Speaker 2: to round up, Like it's up to me to say no,

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Speaker 2: thank you. Yeah, I'm going to find some other time

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Speaker 2: another opportunity to give.

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Speaker 1: So it's like buyer beware a little bit. But it

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Speaker 1: also makes me. It makes me think that just just

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Speaker 1: think back to like ten years ago, these services didn't exist.

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Speaker 1: We used to just like get off our bums and

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Speaker 1: go pick up the food we wanted. We're spoiled, man, yeah,

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Speaker 1: And I guess like we just become more We've become

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Speaker 1: more and more desensitized to the price we're paying. And

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Speaker 1: I think this is only going to further cause that,

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Speaker 1: although I hope it creates the opposite reaction where people

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Speaker 1: start to question how much they're spending on food. Because

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Speaker 1: the price to value ratio just isn't lining up in

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Speaker 1: an even bigger way. And I'm not even saying that

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Speaker 1: those drivers don't deserve to get tipped. They certainly do.

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Speaker 1: They deserve probably a minimum of a ten percent tip.

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Speaker 1: It's just that consumers should probably be avoiding these services

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Speaker 1: more because so it's just so unaffordable with the fees

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Speaker 1: and the tip and all, and not to mention just

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Speaker 1: the fact that eating out costs more than eating in,

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Speaker 1: which we will talk about later on in the episode

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Speaker 1: as well. I think most Americans are glad to tip

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Speaker 1: for good service. It just feels like we're being asked

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Speaker 1: for more tips in more places these days, at higher amounts,

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Speaker 1: and I think we're just all experiencing a level of

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Speaker 1: tipping fatigue. There was a New York Times analysis Matt

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Speaker 1: It showed that the number of retailers accepting tips has

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Speaker 1: doubled since twenty nineteen. So it's like everybody and their

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Speaker 1: mom is holding out their hand for a tip, and

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Speaker 1: you're just like, I don't even know when I'm supposed

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Speaker 1: to tip anymore and how much is appropriate. It just

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Speaker 1: feels like the lines have gotten gotten blurred significantly, and

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Speaker 1: the no tax on tips thing which has gone into effect.

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Speaker 1: Now it's going to incentivize I think more tip request

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Speaker 1: because hey, like if I don't have to pay tax

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Speaker 1: on this form of income, then that's the way I

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Speaker 1: prefer to get my money. And so I think it's

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Speaker 1: just really important for how the money listeners, for everyone

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Speaker 1: out there to know ahead of time what you feel

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Speaker 1: comfortable tipping in every situation. Maybe like think through it

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Speaker 1: and have like an order of operations, like, well, when

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Speaker 1: I'm asked to the cash register, do I give in

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Speaker 1: this situation? Yes? And in this situation now? Or all right?

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Speaker 1: When I'm ordering at a sit down restaurant, here's how

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Speaker 1: much I feel comfortable tipping based on service. What if

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Speaker 1: I'm ordering at the counter and it gets the screen

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Speaker 1: gets slipped around and says do you want to tip

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Speaker 1: twenty twenty five or thirty? Am I comfortable tipping twenty percent?

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Speaker 1: Or do I feel like it's actually deserving of a

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Speaker 1: little bit less? Or even just like getting a cocktail

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Speaker 1: or coffee how much? Or beer? Right? How much do

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Speaker 1: you feel comfortb tipping on that stuff? It's just it's

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Speaker 1: best for I think, to us to factor that out

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Speaker 1: on the front end before feeling guilted into it at

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Speaker 1: the point of sale. Sure.

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Speaker 2: Yeah, So that being said, what do you tip for

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Speaker 2: a beer? If you're going out and you're getting a beer?

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Speaker 1: Yeah, what do you do? Usually it's a dollar per beer, Like,

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Speaker 1: especially if we ordered the counter, ordering it the counter

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Speaker 1: at our local place, a dollar per beer.

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Speaker 2: Someone's actually, you hit other and we'll go down and

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Speaker 2: mark one dollar. Yeah, mostly because a lot of times

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Speaker 2: I'm thinking of our local spot. It's like I think

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Speaker 2: it's percentage, so it's like ten, fifteen to twenty or whatever,

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Speaker 2: So which ten feels low for a beer, But like

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Speaker 2: so if it's that, I'll get somewhere in the neighborhood,

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Speaker 2: right at the ballpark. Yeah, the man the other weird

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Speaker 2: place that I feel like tipping's gone a little haywire.

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Speaker 2: I give my haircut at Great Clips. I don't do

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Speaker 2: it at home like you.

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Speaker 1: Do, and Great Clips is affordable. I usually have a coupon,

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Speaker 1: so it's ten dollars when I get my haircut, and

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Speaker 1: then they flip the tip screen around and it's five,

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Speaker 1: seven or nine dollars for the tip, And I'm always like,

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Speaker 1: that's like, it's interesting that, like the nine dollars. That's

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Speaker 1: almost as much as their hair cut costs ninety tip,

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Speaker 1: which I also I'm down to do that sometimes, man,

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Speaker 1: especially if the service is great. I'm like, I'll tip

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Speaker 1: seven or nine dollars. I'm getting out of here for

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Speaker 1: not much money to go above and beyond. Yeah, so

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Speaker 1: I think, don't be cheap with you're tipping either, Like,

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Speaker 1: oh yeah, so you're speaking out of both sides your

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Speaker 1: mouth here a little bit, like you're telling everyone to

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Speaker 1: be cheap. But then you're like, well, I'm not going

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Speaker 1: to be cheap, you be cheap. I'm saying, no, ahead

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Speaker 1: of time, what you feel comfortable tipping, and don't be

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Speaker 1: guilted into it. Yeah, But like I know that most

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Speaker 1: of the time I'm sitting down, I'm talking with that

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Speaker 1: the person who's cutting my hair for twenty or thirty minutes,

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Speaker 1: and it's not usually a nice experience, and so I

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Speaker 1: feel more comfortable tipping more there, especially because I'm paying

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Speaker 1: ten bucks of the haircut. Anyway, I guess if you're

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Speaker 1: looking to say just put your earbuds in, don't talk

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Speaker 1: to anybody, then I'm guessing you're probably gonna feel les inclined.

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Speaker 1: Probably true, because you don't have that personal connection. Man.

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Speaker 2: This makes me think of do you tip y'all do

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Speaker 2: yard service in the summer months. As far as like

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Speaker 2: having somebody come out to cut your grass, I.

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Speaker 1: Don't think I've ever tipped.

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Speaker 2: We started like a new service, like some school guys

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Speaker 2: that come by and they didn't ask. Well, I don't

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Speaker 2: know what's what's the common practice as far as tipping.

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Speaker 2: For how longstters do you tip?

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Speaker 1: I know I haven't as to another area that I'm

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Speaker 1: supposed to be tipping.

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Speaker 2: It's a service typically as services, right, and the I

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Speaker 2: think the more personal services, so for in your case,

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Speaker 2: you feel more quote unquote pressure, but also you're happy

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Speaker 2: to tip more because someone's you know, they're touching your face,

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Speaker 2: your head, your ears. Feels the same thing with like

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Speaker 2: a massage, like if you've got to get a massage

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Speaker 2: or get your nails done. I think those are more personal,

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Speaker 2: sort of intimate interactions, which I think call for a

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Speaker 2: larger tip amount or at least tipping at all.

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Speaker 1: Yeah.

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Speaker 2: I don't know about a home service because I wouldn't

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Speaker 2: tip my plumber. But if these guys are this high school,

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Speaker 2: you know if they're coming by, especially when it's hot

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Speaker 2: once a week, once every two weeks. That's that's more

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Speaker 2: of like a service. So maybe I'll proactively just shoot

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Speaker 2: him over some money and just be like, hey, looking

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Speaker 2: forward to starting service back up in the spring once

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Speaker 2: the grass actually it starts growing.

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Speaker 1: Yeah for real? Right, all right, let's talk about tax taxes,

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Speaker 1: everybody's favorite topic. And if you're listening out there, you

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Speaker 1: can fire your taxes now as of this week. Hooray,

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Speaker 1: like especially for those go getters, like, is anyone actually

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Speaker 1: doing it? Like this week you are? You've done, You've

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Speaker 1: filed your tax on. I just raised my hand. There's

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Speaker 1: no way I sent. Well, yeah, I got so waiting

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Speaker 1: for force to come in.

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Speaker 2: Man, I've gotten well. I was waiting for the I

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Speaker 2: got the ball rolling I got Okay, last week I

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Speaker 2: shot them an email, well in corporate taxes that those

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Speaker 2: are due sooner, so I always like to get that

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Speaker 2: information over to them a bit sooner. Yeah, but and

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Speaker 2: I got them the basic personal personal stuff. But I

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Speaker 2: was still waiting for some like the Vanguard consolidated the

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Speaker 2: big all in.

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Speaker 1: One PDF that they need as well. Yeah yeah, okay,

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Speaker 1: well I'm weird like that. Yeah. If for those who

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Speaker 1: especially have just a few items coming in. Whether it's

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Speaker 1: like you're ten ninety nine, im t from your bank

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Speaker 1: and your W two, I mean, you might be ready,

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Speaker 1: right and especially if you do a tax refund, you

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Speaker 1: might want to get on it sooner rather than later.

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Speaker 1: And the truth is, the average American is do a

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Speaker 1: tax refund, and tax refunds are likely to be bigger

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Speaker 1: for a bunch of Americans this year, even if your

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Speaker 1: personal circumstances have changed very little. And the average refund

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Speaker 1: last year was in the neighborhood of like three thousand

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Speaker 1: dollars for the Americans who got one, and then that

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Speaker 1: number is going to increase, largely because of the so

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Speaker 1: called Big Beautiful Bill. We're talking about new rules on taxation, right,

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Speaker 1: taxation of tips, overtime pay, car loan interest if you

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Speaker 1: bought a new car loan, if you bought a new

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Speaker 1: car with a loan right this past year, a larger

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Speaker 1: standard deduction, and expanded salt, state and local tax deduction.

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Speaker 1: A lot of older Americans, in particular, matter if you're

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Speaker 1: sixty five or over, are going to see an even

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Speaker 1: bigger refund or tax reduction because of those targeted deductions

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Speaker 1: that they're allowed, and so, you know, a massive tax refund.

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Speaker 1: Like people will say it's an interest free loan to

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Speaker 1: the government. There is obviously some truth to that. You

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Speaker 1: could have been getting that money back in every single paycheck.

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Speaker 1: I think it behaviorally in some ways it might be

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Speaker 1: helpful for some people thought to get a bigger tax refund,

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Speaker 1: and it really does give it's a jump start for

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Speaker 1: a lot of folks too, because most people don't get

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Speaker 1: three or four grand in one lump sum except for

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Speaker 1: April of every year when they get their tax refund. True,

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Speaker 1: and so yeah, maybe you want to change your withholding

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Speaker 1: for the future to reduce a large tax reyfund, have

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Speaker 1: more money in every paycheck, but at least let this

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Speaker 1: bigger tax refund. If you're one of those people, jump

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Speaker 1: start something, whether it's payingoff debt, getting that roth I

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Speaker 1: re funded, stuff like that. That's right. Yeah, So that's

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Speaker 1: the good.

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Speaker 2: The bad is that we are seeing more ads for

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Speaker 2: tax refund advanced loans. And if you can't wait the

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Speaker 2: you know, let's say you file like most folks in

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Speaker 2: March or whatever, and you're like, oh, I can't I

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Speaker 2: don't want to wait the three weeks from filing to

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Speaker 2: actually getting that tax refund direct deposited. Well, some tax

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Speaker 2: services out there, like H and R Block, they're going

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Speaker 2: to float you a loan to get it more quickly.

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Speaker 2: But not only do you have to use a more

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Speaker 2: expensive preparation service in order to get that perk, but

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Speaker 2: you might also be paying fees that are harder to spot. Essentially,

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Speaker 2: it's like almost like a tax on your tax refund

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Speaker 2: just to get it more quickly. Say, some of the

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Speaker 2: services out there are gonna essentially it's like, hey, you

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Speaker 2: can get it now, but you're going to take your

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Speaker 2: refund on a pre loaded debit card.

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Speaker 1: Other services out there.

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Speaker 2: Are going to have you open up a new checking account.

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Speaker 2: Some of them might come with fees, so keep an

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Speaker 2: eye out for that as well. So, yeah, all these

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Speaker 2: ads for quote unquote free money like get your money now,

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Speaker 2: they're not quite what they seem to be.

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Speaker 1: And if you are trying.

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Speaker 2: To figure out where to file your taxes, use a

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Speaker 2: professional if there is a lot more complexity, if you

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Speaker 2: aren't just going to take the standard deduction. You can

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Speaker 2: also check out cash app taxes. If you're down to diyatt.

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Speaker 2: I think it actually might be the only one we

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Speaker 2: know of that's free not only for federal but also

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Speaker 2: for state returns. And that's where a lot of the

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Speaker 2: prep services.

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Speaker 1: Will get you. They're like free tax filing asterix federal

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Speaker 1: only in the state, ends up costing you the price

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Speaker 1: of everything that they're wanting to collect from you. Right, yeah, yeah,

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Speaker 1: and so cashap taxes rocks. We're actually going to have

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Speaker 1: a section in the newsletter this coming week specifically about

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Speaker 1: different free tax filing options. But yeah, cash Tap Taxes

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Speaker 1: TLDR is a really good one. I don't know how

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Speaker 1: we haven't talked about this is the story I've been

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Speaker 1: meaning for us to bring up. But there was a

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Speaker 1: did you see the test that was done on price

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Speaker 1: differences between Uber and Lyft how dramatically they can vary.

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Speaker 1: I believe it, though it is interesting, like you would

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Speaker 1: think they would actually be more similar because it's kind

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Speaker 1: of a duopoly. It's not like there's a ton of

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Speaker 1: options out there. There was another story I actually saw

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Speaker 1: about Weimo prices declining, which the third entrance into the

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Speaker 1: space would hopefully bring down ride share prices more for

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Speaker 1: the average consumer.

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Speaker 2: Is Weimo a separate app or because I thought it

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Speaker 2: was like uber with Weimo, like when I've seen them

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Speaker 2: on the road, that's a good question. I use rideshair,

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Speaker 2: so I thought Weimo was a separate service, separate app.

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Speaker 1: I yeah, either way, I don't evidently ride shair enough

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Speaker 1: to even know that, but I am so looking forward

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Speaker 1: to the first time I get one of them, get in

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Speaker 1: one of the way minutes. But for listeners out there

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Speaker 1: who do use ride share regularly, like the this shine's

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Speaker 1: a light on the fact that depending on which app

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Speaker 1: you pull up in the moment, you could be paying

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Speaker 1: a significant amount more if you're not checking the other

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Speaker 1: app as well. I believe there's like a fourteen and

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Speaker 1: a half percent difference on average and price roughly five

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Speaker 1: dollars per trip, okay, right, but if it's it can

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Speaker 1: be much more in terms of pure dollar amount, if

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Speaker 1: it's a longer trip, or if it's time of high demand,

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Speaker 1: and so it's it takes so little time to open

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Speaker 1: up both apps, plug in your destination and just see

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Speaker 1: what they're charging. And so yeah, that's that's what we

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Speaker 1: would recommend. If you're taking ride share every single time,

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Speaker 1: check both apps to make sure you get the low

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Speaker 1: lowest price. Don't be loyal to one of the other,

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Speaker 1: there's and like when thinking about why somebody would be

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Speaker 1: loyal to one, most drivers aren't loyal. I don't between

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Speaker 1: all the time, man, they're toddling back. So yeah, don't

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Speaker 1: be like the drivers and don't be super loyal either. Yeah.

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Speaker 2: Okay, speaking of travel, did you see that American airlines

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Speaker 2: they're announcing that they're gonna no longer award any miles

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Speaker 2: to their economy flyers.

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Speaker 1: What do you think about that makes you feel like

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Speaker 1: a second class citizen because I'm the perpetual economy flyer.

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Speaker 2: Matthew, Well, when you look at what the alternative might be,

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Speaker 2: does that make you any happier? Like would you rather

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Speaker 2: not earn miles.

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Speaker 1: On those flights?

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Speaker 2: Or would you rather say, oh, you can earn miles,

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Speaker 2: but also your ticket's gonna cost more.

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Speaker 1: I would rather not earn miles. I want the least

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Speaker 1: possible price. Yeah, okay, that's how I feel, because I

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Speaker 1: think some people will be like, what, no, I'm not

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Speaker 1: going to earn miles on this. I guarantee you when

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Speaker 1: you're trying to get that airfare, it's gonna it's going

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Speaker 1: to say all these things to make it seem like

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Speaker 1: that's a terrible choice for you, ensuring like no frequent

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Speaker 1: flyer miles headed your way. As a consumer, though, you

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Speaker 1: need to know it's probably still worth it to get

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Speaker 1: the lowest price.

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Speaker 2: I mean, that's what I think. Was it last week

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Speaker 2: that we're talking about, right and easy Jet over in Europe?

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Speaker 2: The fact that we don't have a low cost airline.

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Speaker 2: I want that to be an option for folks, and.

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Speaker 1: I mean we do. We have Spirit in Frontier, right,

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Speaker 1: that's what are Are they that much more affordable than Delta?

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Speaker 1: Like I never fly Deltza, I don't, I'm not totally

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Speaker 1: are really yeah? Oh oh yeah, Well, I guess it's

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Speaker 1: a big price gap. I mean, in Europe it's just

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Speaker 1: so much more affordable.

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Speaker 2: But it's also been a long time since I've been

434
00:19:23,040 --> 00:19:26,320
Speaker 2: on one of those super affordable airlines flying over there,

435
00:19:26,359 --> 00:19:30,160
Speaker 2: So maybe the prices up there have arrived to Spirit

436
00:19:30,359 --> 00:19:32,320
Speaker 2: or Frontier prices here in the States. I don't know,

437
00:19:33,160 --> 00:19:37,760
Speaker 2: but I would rather see certain amenities get taken away,

438
00:19:37,800 --> 00:19:41,959
Speaker 2: like even the fact that Shoot Southwest they ended the

439
00:19:42,119 --> 00:19:45,080
Speaker 2: cattle call everyone rushed to your seat.

440
00:19:45,080 --> 00:19:45,800
Speaker 1: How do you feel about that?

441
00:19:45,840 --> 00:19:49,280
Speaker 2: I'm sad because it allowed people to be able to

442
00:19:49,280 --> 00:19:50,720
Speaker 2: pay the same price, and if you if you get

443
00:19:50,720 --> 00:19:52,040
Speaker 2: there early, if you got a little more time on

444
00:19:52,080 --> 00:19:55,280
Speaker 2: your hands, like you can somehow quote unquote afford the

445
00:19:55,280 --> 00:19:58,800
Speaker 2: amenities just with your time as opposed to paying the money, right.

446
00:19:58,920 --> 00:20:01,800
Speaker 2: I just like when there are more options, including, Oh

447
00:20:01,880 --> 00:20:04,159
Speaker 2: you don't get all the bells and whistles. Oh you

448
00:20:04,200 --> 00:20:06,800
Speaker 2: don't get the free check bag. Okay, fine, maybe I'll

449
00:20:06,800 --> 00:20:08,040
Speaker 2: just be able to pack everything I need for my

450
00:20:08,040 --> 00:20:10,679
Speaker 2: weekend trip on my backpack. I just want their I

451
00:20:10,760 --> 00:20:12,800
Speaker 2: like it when there's more options. And actually we're talking

452
00:20:12,840 --> 00:20:15,320
Speaker 2: about Europe. It makes me think about like hostels over

453
00:20:15,359 --> 00:20:18,439
Speaker 2: in Europe, Like we don't have that cheap travel culture

454
00:20:18,520 --> 00:20:20,400
Speaker 2: here in the US, and I kind of wish we did.

455
00:20:20,680 --> 00:20:23,520
Speaker 2: Like I know there are some hostels in some cities,

456
00:20:23,520 --> 00:20:26,600
Speaker 2: but the general push in the States is like everything's

457
00:20:26,640 --> 00:20:28,760
Speaker 2: got to be so nice. And just think about if

458
00:20:28,800 --> 00:20:30,600
Speaker 2: you're a broke college student and you want to go

459
00:20:30,640 --> 00:20:33,160
Speaker 2: see a friend across the country, Like how nice would

460
00:20:33,160 --> 00:20:36,159
Speaker 2: it be to be able to do that for like

461
00:20:36,440 --> 00:20:38,720
Speaker 2: forty bucks fifty bucks because of the.

462
00:20:38,680 --> 00:20:40,880
Speaker 1: Fact that, oh, I'm packing it all in my backpack.

463
00:20:41,200 --> 00:20:43,280
Speaker 2: Oh, because you've got the worst seat right in front

464
00:20:43,280 --> 00:20:44,840
Speaker 2: of the bathroom at the back of the plane. Whatever

465
00:20:44,880 --> 00:20:47,600
Speaker 2: it is that you're willing to sacrifice in order to

466
00:20:47,640 --> 00:20:50,080
Speaker 2: get where you want to go. Oh and by the way,

467
00:20:50,080 --> 00:20:52,399
Speaker 2: I don't want entertainment or drink or ever, you know,

468
00:20:52,440 --> 00:20:53,679
Speaker 2: anything else that they might include.

469
00:20:53,720 --> 00:20:55,040
Speaker 1: I said it would make me feel like a second

470
00:20:55,040 --> 00:20:57,399
Speaker 1: class citizen, but I didn't say that. I wasn't okay

471
00:20:57,400 --> 00:21:00,200
Speaker 1: with that, Like I'm okay feeling like a second class, say,

472
00:21:00,640 --> 00:21:04,080
Speaker 1: feeling somewhat maltreated in order to save money, and not

473
00:21:04,160 --> 00:21:07,479
Speaker 1: everyone feels like that. I'm talking had Morgan house Alon recently,

474
00:21:07,520 --> 00:21:09,880
Speaker 1: and he's like talking about his splurge. Is Oh, when

475
00:21:09,920 --> 00:21:13,000
Speaker 1: I'm the nicest hotel rooms and the nicest in the

476
00:21:13,000 --> 00:21:17,240
Speaker 1: airline class, I'm like, well done. I'm just not interested,

477
00:21:17,280 --> 00:21:19,399
Speaker 1: Like I have other priorities and so that just doesn't

478
00:21:19,440 --> 00:21:22,320
Speaker 1: move the needle for me. And I'm totally willing, even

479
00:21:22,320 --> 00:21:24,800
Speaker 1: as someone who's like essentially six foot six, to have

480
00:21:24,920 --> 00:21:27,000
Speaker 1: my knees jammed up into the seat in front of

481
00:21:27,040 --> 00:21:29,440
Speaker 1: me for three hours if it just means I get

482
00:21:29,480 --> 00:21:31,280
Speaker 1: there and I paid less money to get there, what

483
00:21:31,520 --> 00:21:33,440
Speaker 1: And that doesn't mean I'm not well sporges On some things,

484
00:21:33,440 --> 00:21:35,360
Speaker 1: but just here and there flights. I'm like, ah, it's

485
00:21:35,359 --> 00:21:36,040
Speaker 1: temporary pain.

486
00:21:36,119 --> 00:21:38,040
Speaker 2: And if like you get a notification right before the

487
00:21:38,040 --> 00:21:39,879
Speaker 2: flight and they're like, upgrade for twenty dollars and you

488
00:21:39,880 --> 00:21:40,640
Speaker 2: get a next h row.

489
00:21:40,920 --> 00:21:43,920
Speaker 1: Okay that sounds like I guess depending on how long

490
00:21:43,920 --> 00:21:46,680
Speaker 1: the flight is. I'll just imagine that's when AirTran, which

491
00:21:46,800 --> 00:21:50,320
Speaker 1: was pre Southwest, like I think wait Southwest by air Train.

492
00:21:50,480 --> 00:21:53,600
Speaker 1: AirTran had these seats and it was worth like forty

493
00:21:53,600 --> 00:21:55,520
Speaker 1: bucks because then you were like, oh, I get the

494
00:21:55,600 --> 00:21:58,040
Speaker 1: nicer seats, get the leg room, and you get like

495
00:21:58,040 --> 00:22:02,199
Speaker 1: the free drinks. That's worth the money. But yeah, for

496
00:22:02,280 --> 00:22:04,000
Speaker 1: the extra price they want to charge me to sit

497
00:22:04,040 --> 00:22:06,080
Speaker 1: in slightly nicer seats. Not interested?

498
00:22:06,200 --> 00:22:07,680
Speaker 2: Yeah, all right, we got more to get to. We

499
00:22:07,720 --> 00:22:09,760
Speaker 2: got the ludicrous headline of the week coming up. We're

500
00:22:09,760 --> 00:22:13,560
Speaker 2: gonna debate whether or not three dollars dinners can actually

501
00:22:13,600 --> 00:22:14,120
Speaker 2: be a thing.

502
00:22:14,440 --> 00:22:24,119
Speaker 1: We'll get to that more right after this. All right,

503
00:22:24,160 --> 00:22:25,800
Speaker 1: we are back from the break and now time for

504
00:22:25,800 --> 00:22:28,080
Speaker 1: the ludicrous headline of the week. This one comes from

505
00:22:28,080 --> 00:22:33,280
Speaker 1: Bloomberg and it reads, can water Somalier's convince us to

506
00:22:33,320 --> 00:22:37,200
Speaker 1: pay more for premium H two Oh, they can't convince me, Matt.

507
00:22:37,240 --> 00:22:40,320
Speaker 1: I'll tell you that I am an immovable force that

508
00:22:40,359 --> 00:22:42,880
Speaker 1: they cannot they can't touch. There's no way I'm gonna

509
00:22:42,880 --> 00:22:46,280
Speaker 1: be buying into this trend. I hate the idea in

510
00:22:46,280 --> 00:22:49,160
Speaker 1: general of paying for bottled water, and I see more

511
00:22:49,160 --> 00:22:52,600
Speaker 1: people walking around with like alkaline infused water. I don't

512
00:22:52,600 --> 00:22:54,160
Speaker 1: even know what that means, but it makes me feel

513
00:22:54,160 --> 00:22:57,880
Speaker 1: like it's got something to do with a battery. They're

514
00:22:57,920 --> 00:23:00,520
Speaker 1: not drinking battery. Well, okay, it's ok. I was like

515
00:23:00,520 --> 00:23:02,280
Speaker 1: that I might actually be dangerous for you, sir, but.

516
00:23:02,240 --> 00:23:04,400
Speaker 2: People think that it's better for your body. I don't

517
00:23:04,440 --> 00:23:05,520
Speaker 2: exactly know the science pod.

518
00:23:05,600 --> 00:23:07,920
Speaker 1: Yeah, and maybe I'm just an idiot and I should

519
00:23:07,960 --> 00:23:11,320
Speaker 1: do more research. But then there's mineral water, there's purified water,

520
00:23:11,680 --> 00:23:15,680
Speaker 1: and apparently water is getting like the wine treatment. Now

521
00:23:15,720 --> 00:23:18,760
Speaker 1: you can get And I'm of Norwegian descent, so you

522
00:23:18,760 --> 00:23:20,600
Speaker 1: think I'd be interested in this, but I'm not. You

523
00:23:20,600 --> 00:23:23,560
Speaker 1: can get Norwegian Iceberg water for one hundred and fifty

524
00:23:23,600 --> 00:23:24,280
Speaker 1: dollars a bottle.

525
00:23:24,400 --> 00:23:28,119
Speaker 2: Glacier water, Yeah, that's been blessed by an Eskimo, like

526
00:23:28,119 --> 00:23:31,280
Speaker 2: like a while water boy. Yeah, when not the little

527
00:23:31,359 --> 00:23:32,320
Speaker 2: vial of water that.

528
00:23:32,240 --> 00:23:34,399
Speaker 1: Was brought to you on dog sled or something like that.

529
00:23:34,440 --> 00:23:37,720
Speaker 1: I mean, like just it's getting pretty ridiculous, pretty over

530
00:23:37,720 --> 00:23:40,920
Speaker 1: the top. I mean, man, like a lot of bottle

531
00:23:40,920 --> 00:23:43,320
Speaker 1: of water. By the way, it's just tap water. It's

532
00:23:43,359 --> 00:23:46,480
Speaker 1: literally from the municipal supplies, just run through a filter,

533
00:23:46,560 --> 00:23:50,160
Speaker 1: which we have a little picture here in our office, Matt. Yeah,

534
00:23:50,200 --> 00:23:53,040
Speaker 1: remove all the harsh minerals that maybe we don't need.

535
00:23:53,160 --> 00:23:55,240
Speaker 1: I don't want all the chlorine, just a little bit

536
00:23:55,359 --> 00:23:58,000
Speaker 1: just for it to be clean. Yeah. And if, for

537
00:23:58,040 --> 00:23:59,880
Speaker 1: some reason, I don't know, we're wrong in some water

538
00:24:00,040 --> 00:24:02,360
Speaker 1: varieties are gonna blow our taste buds away, I think

539
00:24:02,400 --> 00:24:04,840
Speaker 1: I'm just okay living in the ignorance is bliss camp. Oh,

540
00:24:05,359 --> 00:24:07,240
Speaker 1: I don't know if it's actually gonna blow my taste buds away.

541
00:24:07,240 --> 00:24:09,560
Speaker 1: I want to know what it's about, do you. Yeah, No,

542
00:24:09,680 --> 00:24:14,080
Speaker 1: I'm okay not knowing. Oh, if it's truly like earth shaking.

543
00:24:14,119 --> 00:24:15,360
Speaker 1: But then when if you feel like, oh I gotta

544
00:24:15,400 --> 00:24:16,920
Speaker 1: have that one hundred fifty dollars bottle, why I gotta have

545
00:24:16,960 --> 00:24:18,360
Speaker 1: another hit of that, I'm not gonna do that. I'm

546
00:24:18,359 --> 00:24:20,119
Speaker 1: gonna find a way to do it at home or something.

547
00:24:20,200 --> 00:24:22,960
Speaker 1: Like that. You know you can't get Norwegian Iceberg bottle

548
00:24:23,000 --> 00:24:23,600
Speaker 1: water at home.

549
00:24:23,880 --> 00:24:25,800
Speaker 2: Well, I'm not going to go for like the like

550
00:24:26,520 --> 00:24:29,639
Speaker 2: the single sourced glacier water, but as far as like

551
00:24:29,880 --> 00:24:33,639
Speaker 2: they sell like the things that will charge your water

552
00:24:33,840 --> 00:24:36,440
Speaker 2: and you can get water with like is it magnesium

553
00:24:36,440 --> 00:24:38,560
Speaker 2: tablets or something, but you can like buy these packets

554
00:24:38,600 --> 00:24:41,040
Speaker 2: where you put a little tab like does oh it's

555
00:24:41,119 --> 00:24:43,680
Speaker 2: hydrogen where it dissolves the hydrogen into the water and

556
00:24:43,720 --> 00:24:45,600
Speaker 2: it's supposed to be better for your body. I'm not

557
00:24:45,680 --> 00:24:48,960
Speaker 2: opposed to seeing what the science points to over time

558
00:24:49,000 --> 00:24:50,879
Speaker 2: with that, but I'm definitely not interested in hopping on

559
00:24:50,920 --> 00:24:51,560
Speaker 2: some sort of fad.

560
00:24:51,800 --> 00:24:54,200
Speaker 1: My guess is that's reasonably priced, right, But oh yeah,

561
00:24:54,240 --> 00:24:57,119
Speaker 1: it's like a cent per tab or something like that,

562
00:24:57,160 --> 00:25:00,399
Speaker 1: so you can it's literally like a penny. Opinions, If

563
00:25:00,640 --> 00:25:03,320
Speaker 1: we have like a water smallier who listens who's in

564
00:25:03,359 --> 00:25:04,320
Speaker 1: the audience and please.

565
00:25:04,119 --> 00:25:06,199
Speaker 2: Reach out, I would love more. I would like to

566
00:25:06,240 --> 00:25:08,520
Speaker 2: know more if this is actually actually a thing. But

567
00:25:08,840 --> 00:25:11,680
Speaker 2: I think I also questioned the validity of that job's existence.

568
00:25:11,800 --> 00:25:13,520
Speaker 2: I think what you are pointing at is that the

569
00:25:13,600 --> 00:25:16,680
Speaker 2: fact that this feels more like like conspicuous consumption, and

570
00:25:16,720 --> 00:25:18,920
Speaker 2: people are doing it just because they can say, oh,

571
00:25:18,960 --> 00:25:24,040
Speaker 2: this is Norwegian esque glacier water as opposed to your

572
00:25:24,040 --> 00:25:29,840
Speaker 2: locally municipally sourced water. That's totally fine. Plus I mean

573
00:25:29,880 --> 00:25:32,159
Speaker 2: bottled water generally speaking, Like even if it's just like

574
00:25:32,200 --> 00:25:34,000
Speaker 2: the basic stuff that you're getting, and you know, the giant,

575
00:25:34,040 --> 00:25:37,560
Speaker 2: squeaky sort of plastic wrapped kind of crate that you get,

576
00:25:37,920 --> 00:25:39,720
Speaker 2: you're losing when you buy a water.

577
00:25:39,600 --> 00:25:41,440
Speaker 1: Like that as opposed to just filling up your reasonable

578
00:25:41,440 --> 00:25:43,480
Speaker 1: water bottle. And if you get in the forty pack

579
00:25:43,520 --> 00:25:48,040
Speaker 1: from Costco of Kirk's signature water, it's pretty inexpensive. It's

580
00:25:48,080 --> 00:25:49,040
Speaker 1: more affordable, but.

581
00:25:49,000 --> 00:25:50,760
Speaker 2: It's still not as affordable as what you can get

582
00:25:50,960 --> 00:25:52,280
Speaker 2: right in the tap at home and put it in

583
00:25:52,359 --> 00:25:52,960
Speaker 2: your water bottle.

584
00:25:53,000 --> 00:25:55,240
Speaker 1: I think the biggest we bought some before the winter storm,

585
00:25:55,400 --> 00:25:58,760
Speaker 1: a big pack of bottle water just in case I

586
00:25:58,800 --> 00:26:01,119
Speaker 1: filled up our water. And even then I wanted to

587
00:26:01,119 --> 00:26:03,840
Speaker 1: punch myself in the face forgetting that water, because I

588
00:26:03,880 --> 00:26:05,920
Speaker 1: know how much more expensive it is than just the tabwater.

589
00:26:06,119 --> 00:26:08,520
Speaker 2: We filled up the bathtub just in case we lost

590
00:26:08,520 --> 00:26:11,840
Speaker 2: water and the water treatment plant, but that required us

591
00:26:11,840 --> 00:26:13,800
Speaker 2: cleaning the tub, making sure it was extra spick and

592
00:26:13,840 --> 00:26:16,359
Speaker 2: span filling it up, and that's out there for a

593
00:26:16,400 --> 00:26:18,359
Speaker 2: few days before we realized.

594
00:26:17,960 --> 00:26:18,840
Speaker 1: Oh we're in the clear.

595
00:26:19,240 --> 00:26:20,439
Speaker 2: No, I was gonna point to the I think the

596
00:26:20,440 --> 00:26:23,720
Speaker 2: biggest loser as far as dah wying your own water

597
00:26:23,760 --> 00:26:24,359
Speaker 2: at home is the.

598
00:26:24,359 --> 00:26:26,080
Speaker 1: Fact is the water bottles.

599
00:26:26,119 --> 00:26:28,439
Speaker 2: Because of the fact that people it's the merging of

600
00:26:28,520 --> 00:26:31,840
Speaker 2: water bottles with fashion. That's the worst part of it,

601
00:26:31,920 --> 00:26:34,200
Speaker 2: right because think back to tell me more, when did

602
00:26:34,320 --> 00:26:34,679
Speaker 2: what are you.

603
00:26:34,720 --> 00:26:35,199
Speaker 1: Drinking out of?

604
00:26:35,280 --> 00:26:38,680
Speaker 2: I'm looking at a water bottle right now on your desk, analgene, analgene,

605
00:26:38,760 --> 00:26:42,080
Speaker 2: the og and you didn't even pay for that. Bells

606
00:26:42,119 --> 00:26:42,679
Speaker 2: sent that to us.

607
00:26:42,760 --> 00:26:44,040
Speaker 1: You didn't pay for your water bottle there.

608
00:26:44,119 --> 00:26:46,960
Speaker 2: I know it's great, but we progressed from nal jeens

609
00:26:47,320 --> 00:26:50,680
Speaker 2: to takiyas or takaya's whatever mine's like ten years old,

610
00:26:50,960 --> 00:26:55,400
Speaker 2: to hydro flasks to stan Lee's to a wala's.

611
00:26:55,240 --> 00:26:58,400
Speaker 1: Like you've got all of and you've gotta have the

612
00:26:58,440 --> 00:26:59,960
Speaker 1: water bottle for the times, baby dude.

613
00:27:00,040 --> 00:27:02,800
Speaker 2: It's and it's more about consumption from a like it

614
00:27:02,800 --> 00:27:05,640
Speaker 2: feels more like fashion to me as opposed to actually

615
00:27:05,640 --> 00:27:08,320
Speaker 2: consuming the water is a tool that gets the job done.

616
00:27:08,800 --> 00:27:11,399
Speaker 2: And if that's your thing and you're really into that,

617
00:27:11,400 --> 00:27:13,560
Speaker 2: it's not that much, right, twenty thirty bucks or whatever

618
00:27:13,760 --> 00:27:15,400
Speaker 2: for a water bottle. I'm not gonna yuck on someone

619
00:27:16,200 --> 00:27:19,280
Speaker 2: yuck someone else is young. But that's something I think

620
00:27:19,280 --> 00:27:20,320
Speaker 2: to be aware of as well.

621
00:27:20,560 --> 00:27:22,960
Speaker 1: By the way, I mentioned Costco bottle of water, and

622
00:27:23,600 --> 00:27:29,879
Speaker 1: Business Insider had an article about the best buys at Costco. Nice, yeah, right,

623
00:27:30,160 --> 00:27:32,960
Speaker 1: and they were essentially kind of trying to highlight some

624
00:27:32,960 --> 00:27:35,640
Speaker 1: some of the items that Costco sells that will quickly

625
00:27:35,680 --> 00:27:38,280
Speaker 1: make the price of membership worth it, which actually makes

626
00:27:38,320 --> 00:27:42,200
Speaker 1: me think about the first and probably only viral article

627
00:27:42,280 --> 00:27:46,159
Speaker 1: I ever wrote on my now defunct money saving blog

628
00:27:46,800 --> 00:27:48,760
Speaker 1: that was like picked up by life Hacker, and it

629
00:27:48,800 --> 00:27:50,719
Speaker 1: was about items that would single handedly pay for your

630
00:27:50,720 --> 00:27:54,200
Speaker 1: membership at Costco. And a lot of the items are

631
00:27:54,240 --> 00:27:57,320
Speaker 1: still the cell. Yes, I'm like, I don't even think

632
00:27:57,320 --> 00:28:00,639
Speaker 1: that post exists anymore than I wrote. But diapers was

633
00:28:00,640 --> 00:28:02,439
Speaker 1: that one of them? Oh yeah, diapers is up there

634
00:28:02,480 --> 00:28:04,240
Speaker 1: for well, that was back when we had baby stuff

635
00:28:04,280 --> 00:28:06,840
Speaker 1: in general. Yeah, baby formula, Oh you got all your

636
00:28:06,840 --> 00:28:10,560
Speaker 1: baby stuff. The baby formula at Costco was because there's

637
00:28:10,560 --> 00:28:13,000
Speaker 1: like a cartel almost I think on baby formula, there's

638
00:28:13,040 --> 00:28:15,320
Speaker 1: there's not a lot of there, I think so, man,

639
00:28:15,400 --> 00:28:17,840
Speaker 1: I think there's a very little choice in that room.

640
00:28:17,840 --> 00:28:22,520
Speaker 2: Getting into conspiracy theory stuff. Who's the cigare fares behind

641
00:28:22,520 --> 00:28:25,919
Speaker 2: all the baby formula, Joel? There are cartels that exist

642
00:28:25,960 --> 00:28:30,600
Speaker 2: in this world, mad sure, particularly in oil, but coffee, cheese, bacon,

643
00:28:30,640 --> 00:28:32,640
Speaker 2: and toilet paper were on the list. Oh yeah, best

644
00:28:32,640 --> 00:28:35,480
Speaker 2: buys at Costco. BACONO. I'm a huge fan of the bacon.

645
00:28:35,680 --> 00:28:37,720
Speaker 2: It's certainly better. There's a lot of things that we like,

646
00:28:37,840 --> 00:28:41,240
Speaker 2: actually like better at Aldi because of whether it's the portion,

647
00:28:41,360 --> 00:28:44,240
Speaker 2: size or the price a lot of times. But the bacon,

648
00:28:44,440 --> 00:28:48,160
Speaker 2: because it's so evenly sliced, that is honestly the biggest

649
00:28:48,160 --> 00:28:50,800
Speaker 2: thing for me, because it needs to be exactly uniform.

650
00:28:50,920 --> 00:28:52,160
Speaker 2: That way you can throw it on a pan and

651
00:28:52,200 --> 00:28:54,080
Speaker 2: do the oven bacon, which, by the way, if you've

652
00:28:54,080 --> 00:28:55,520
Speaker 2: never done oven bacon.

653
00:28:56,160 --> 00:28:57,880
Speaker 1: Far less clean. Oh my god. Well it's and it's

654
00:28:57,920 --> 00:29:00,840
Speaker 1: also the best, like it's just perfectly you can pull

655
00:29:00,840 --> 00:29:02,800
Speaker 1: it out when it's like the white part of the

656
00:29:02,800 --> 00:29:05,000
Speaker 1: fat is like perfectly golden brown, and you're gonna have

657
00:29:05,320 --> 00:29:08,800
Speaker 1: the perfect bacon. Man, it's hard to beat pioneer woman. Yeah,

658
00:29:08,920 --> 00:29:12,720
Speaker 1: Matt for three fifty for thirty minutes is what we do. Yeah, really,

659
00:29:13,040 --> 00:29:14,560
Speaker 1: I think the thing to note, you're the Aldi guy,

660
00:29:14,600 --> 00:29:17,760
Speaker 1: I'm the Costco guy. But like the typically you're paying

661
00:29:18,000 --> 00:29:22,160
Speaker 1: more per unit or per rounce at Costco, but you're

662
00:29:22,200 --> 00:29:25,280
Speaker 1: getting and not always, but you're often getting something I

663
00:29:25,320 --> 00:29:28,120
Speaker 1: would say that is higher quality. That's that's kind of

664
00:29:28,160 --> 00:29:31,719
Speaker 1: why you go to Costco instead. You're going for the value,

665
00:29:31,800 --> 00:29:34,440
Speaker 1: not because you're getting the lowest possible price. That's true.

666
00:29:34,560 --> 00:29:36,920
Speaker 1: Whereas there are some things you are potentially getting the

667
00:29:36,920 --> 00:29:40,560
Speaker 1: lowest possible price in like Kirkland signature toilet paper, for instance,

668
00:29:40,560 --> 00:29:42,160
Speaker 1: you might be getting a better price in Alty. I

669
00:29:42,200 --> 00:29:43,880
Speaker 1: don't know. I'd have to like, that's a lot of

670
00:29:43,960 --> 00:29:45,680
Speaker 1: numbers you'd have to run to figure that out.

671
00:29:45,760 --> 00:29:47,600
Speaker 2: Well, it's the specific items that you can get at

672
00:29:47,640 --> 00:29:49,600
Speaker 2: Costco that you can't get at Aldi. Yeah, right, Like

673
00:29:49,640 --> 00:29:52,520
Speaker 2: I'm thinking of the home I rice, which is like

674
00:29:52,560 --> 00:29:53,320
Speaker 2: their premium rice.

675
00:29:53,440 --> 00:29:56,680
Speaker 1: It's so good, is it twenty five pound bag or whatever?

676
00:29:56,920 --> 00:30:00,440
Speaker 2: It's excellent, Like you cannot get that at all? D uh,

677
00:30:00,600 --> 00:30:03,080
Speaker 2: And for that, like we go there. It's funny, it's

678
00:30:03,080 --> 00:30:05,040
Speaker 2: actually a lot of Asian stuff. It's like, and I'm

679
00:30:05,040 --> 00:30:07,080
Speaker 2: half Korean, so we go through a lot of kimchi

680
00:30:07,240 --> 00:30:08,080
Speaker 2: Asian Korean stuff.

681
00:30:08,080 --> 00:30:11,120
Speaker 1: Food. The kimchi is so good, it is really really good.

682
00:30:11,240 --> 00:30:12,960
Speaker 1: The sea weed, you get big packs of seaweed.

683
00:30:13,000 --> 00:30:17,200
Speaker 2: That's literally I'll go to Costco just for those three

684
00:30:17,200 --> 00:30:20,600
Speaker 2: things specifically because we can't get those items at al D.

685
00:30:21,080 --> 00:30:21,520
Speaker 1: I'll do that.

686
00:30:21,560 --> 00:30:23,680
Speaker 2: I'll get those three items, and actually before I go

687
00:30:23,720 --> 00:30:26,320
Speaker 2: and grab those, I'll swing by the meat section and

688
00:30:26,800 --> 00:30:29,400
Speaker 2: see if there's like a big old half or big

689
00:30:29,440 --> 00:30:31,560
Speaker 2: old side of a cow, like a slab of ribbi

690
00:30:31,600 --> 00:30:35,720
Speaker 2: that's uncut, that's marked down ninety dollars per package, which

691
00:30:36,120 --> 00:30:37,520
Speaker 2: I know we mentioned this on the show, but like

692
00:30:37,640 --> 00:30:40,280
Speaker 2: sell half cows at all the do you can't get

693
00:30:40,280 --> 00:30:43,800
Speaker 2: prime ribbi like that? And given the prices of beef

694
00:30:43,840 --> 00:30:46,440
Speaker 2: man like and I told you the price right, like,

695
00:30:47,200 --> 00:30:48,840
Speaker 2: so you go in if you see it marked down

696
00:30:48,840 --> 00:30:51,680
Speaker 2: per package, obviously you go for the smallest package because

697
00:30:51,680 --> 00:30:55,120
Speaker 2: then in order to maximize the discount count And when

698
00:30:55,200 --> 00:30:56,560
Speaker 2: I think I did the math, dude, and with that

699
00:30:56,600 --> 00:30:58,120
Speaker 2: for that prime rebbi, like, yeah, you have to cut

700
00:30:58,160 --> 00:30:58,760
Speaker 2: your own steaks.

701
00:30:58,760 --> 00:31:00,000
Speaker 1: But that's also kind of cool.

702
00:31:00,200 --> 00:31:02,360
Speaker 2: Too, when you go home and do that, and I

703
00:31:02,400 --> 00:31:04,440
Speaker 2: think I got the price down for prime rabbis down

704
00:31:04,440 --> 00:31:08,120
Speaker 2: to like thirteen dollars a pound, when it hasn't been

705
00:31:08,160 --> 00:31:09,720
Speaker 2: that low for a decade.

706
00:31:10,040 --> 00:31:10,360
Speaker 1: Truly.

707
00:31:10,440 --> 00:31:12,640
Speaker 2: I don't think it's been that affordable for ten years,

708
00:31:12,680 --> 00:31:15,720
Speaker 2: Like even five years ago it was fifteen a pound.

709
00:31:15,800 --> 00:31:17,560
Speaker 2: But to get a sub fifteen a pound like down

710
00:31:17,640 --> 00:31:19,960
Speaker 2: closer to thirteen a pound, you got to put in

711
00:31:19,960 --> 00:31:22,000
Speaker 2: a little bit of legwork and be willing to take

712
00:31:22,040 --> 00:31:23,120
Speaker 2: home a big old hunk of meat.

713
00:31:23,160 --> 00:31:26,920
Speaker 1: That's pretty sweet. Let's talk about affordability, which is the

714
00:31:27,160 --> 00:31:29,560
Speaker 1: It feels like that's the word of twenty twenty six,

715
00:31:29,640 --> 00:31:31,320
Speaker 1: Like when at the end of the year, doesn't like

716
00:31:31,360 --> 00:31:33,840
Speaker 1: websters say what the word of the year was. And

717
00:31:34,080 --> 00:31:37,640
Speaker 1: my guess is affordability is going to be that word already.

718
00:31:37,720 --> 00:31:40,360
Speaker 1: It's only like the beginning of the year. We're only

719
00:31:40,400 --> 00:31:42,280
Speaker 1: in January. Yeah, you keep hearing it, but it's it's

720
00:31:42,280 --> 00:31:44,800
Speaker 1: going to have just this massive impact on our public

721
00:31:44,840 --> 00:31:49,200
Speaker 1: discourse and on political outcomes. Well. A new New York

722
00:31:49,200 --> 00:31:54,120
Speaker 1: Times Siena affordability poll finds that and unsurprisingly, that it's

723
00:31:54,160 --> 00:31:57,160
Speaker 1: a massive concern for most Americans fifty eight percent of

724
00:31:57,200 --> 00:32:00,920
Speaker 1: people said that education was unaffordable. Fifty four percent said

725
00:32:00,920 --> 00:32:04,360
Speaker 1: that about housing. Forty seven percent of Americans say health

726
00:32:04,360 --> 00:32:07,200
Speaker 1: care costs too much, which I'm like, where are you

727
00:32:07,280 --> 00:32:09,360
Speaker 1: living If you think healthcare is not expensive? Maybe you're

728
00:32:09,400 --> 00:32:12,800
Speaker 1: insulated from health care costs because you have great insurance

729
00:32:12,800 --> 00:32:16,040
Speaker 1: through your employer. Yeah, something like that. That's that's that's

730
00:32:16,040 --> 00:32:18,480
Speaker 1: the only thing I could chop that up to. But

731
00:32:19,360 --> 00:32:24,480
Speaker 1: as a self insured person, we're working with health sharing, Like, nah,

732
00:32:24,520 --> 00:32:28,120
Speaker 1: you feel every cost. But transportation, utilities, food, they posed

733
00:32:28,160 --> 00:32:31,800
Speaker 1: less concern, but many people still found those problematic as

734
00:32:31,840 --> 00:32:35,280
Speaker 1: well from an affordability standpoint. And so like all of

735
00:32:35,320 --> 00:32:38,360
Speaker 1: the areas they listed, Matt are full of they're like

736
00:32:38,400 --> 00:32:41,720
Speaker 1: choppy waters. I guess in the affordability from an affordability standpoint,

737
00:32:42,360 --> 00:32:45,800
Speaker 1: but I also recognize that like we're our own worst

738
00:32:45,880 --> 00:32:48,880
Speaker 1: enemies in many of these places too, not all of them. Right,

739
00:32:49,040 --> 00:32:51,240
Speaker 1: Like healthcare, there's only so much you can do about

740
00:32:51,240 --> 00:32:54,480
Speaker 1: the rising costs of health care. But we talk about

741
00:32:54,520 --> 00:32:56,560
Speaker 1: every single one of the items that was listed to

742
00:32:56,800 --> 00:32:59,520
Speaker 1: on this show, and there is no like silver bullet

743
00:33:00,080 --> 00:33:02,800
Speaker 1: and the amount of work that it takes to lower

744
00:33:02,840 --> 00:33:05,520
Speaker 1: the costs in your budget and you're like in your

745
00:33:05,560 --> 00:33:08,480
Speaker 1: spending every month on those items. Well, it's going to partly,

746
00:33:08,560 --> 00:33:09,960
Speaker 1: it's going to take work in it's going to depend

747
00:33:10,040 --> 00:33:12,480
Speaker 1: on your specific situation. But that is one of the

748
00:33:12,520 --> 00:33:14,400
Speaker 1: main goals of the show, right is, especially in a

749
00:33:14,400 --> 00:33:17,680
Speaker 1: time where affordability feels laughable. Right, it feels like a

750
00:33:17,720 --> 00:33:21,240
Speaker 1: lot of things are like prices are escalating too fast

751
00:33:21,280 --> 00:33:23,640
Speaker 1: and we can't keep up. It's going to take this

752
00:33:23,720 --> 00:33:26,840
Speaker 1: creativity and resilience and that's a big part of kind

753
00:33:26,880 --> 00:33:29,080
Speaker 1: of what we want to be here to help with.

754
00:33:29,200 --> 00:33:29,920
Speaker 1: That's right man.

755
00:33:30,040 --> 00:33:33,880
Speaker 2: By the way, the industries where folks felt that prices

756
00:33:33,920 --> 00:33:35,840
Speaker 2: were the most out of control, I wanted to highlight this,

757
00:33:36,160 --> 00:33:40,880
Speaker 2: Joel you shared education, housing, healthcare. Is it needy surprise

758
00:33:40,960 --> 00:33:43,040
Speaker 2: that these are all areas in which the government is

759
00:33:43,120 --> 00:33:47,640
Speaker 2: massively involved And does the answer lie in more government

760
00:33:47,680 --> 00:33:50,760
Speaker 2: involvement or does it or does it mean more open

761
00:33:50,840 --> 00:33:53,560
Speaker 2: free markets where companies are able to compete in order

762
00:33:53,600 --> 00:33:58,080
Speaker 2: to deliver a higher quality product or service to individuals. Personally,

763
00:33:58,080 --> 00:34:00,440
Speaker 2: I think it's the latter, but we are saying prices

764
00:34:00,520 --> 00:34:03,040
Speaker 2: up pretty much across the board. But it's also important

765
00:34:03,040 --> 00:34:07,200
Speaker 2: to highlight that three dollars dinners are still possible. Many

766
00:34:07,240 --> 00:34:10,200
Speaker 2: folks have seen the new food pyramid, so there's been

767
00:34:10,200 --> 00:34:13,120
Speaker 2: a whole lot of talk when it comes to prices

768
00:34:13,160 --> 00:34:18,680
Speaker 2: of food these days. The Secretary of Agriculture, the ag

769
00:34:18,719 --> 00:34:20,839
Speaker 2: Secretary of What's how do you say her title?

770
00:34:20,880 --> 00:34:22,920
Speaker 1: I'm not sure. She held a press conference.

771
00:34:23,200 --> 00:34:26,279
Speaker 2: She highlighted that a dinner of chicken broccoli in a

772
00:34:26,360 --> 00:34:29,959
Speaker 2: tortilla as being a well rounded and expensive dinner, which

773
00:34:29,960 --> 00:34:30,360
Speaker 2: is true.

774
00:34:31,480 --> 00:34:33,000
Speaker 1: Although I think it was like one piece of broccoli.

775
00:34:33,040 --> 00:34:34,799
Speaker 1: I was like, I'm gonna want more broccoli than that,

776
00:34:35,239 --> 00:34:35,840
Speaker 1: or like I.

777
00:34:35,880 --> 00:34:38,000
Speaker 2: Had of broccoli, and it does seem like a singular,

778
00:34:38,600 --> 00:34:40,000
Speaker 2: tiny little It does seem.

779
00:34:39,800 --> 00:34:42,000
Speaker 1: Like he's kind of a sad meal though too. I

780
00:34:42,040 --> 00:34:44,279
Speaker 1: was like, I don't know, can we get like throw

781
00:34:44,320 --> 00:34:45,920
Speaker 1: some barbecue sauce on that plate or something?

782
00:34:46,680 --> 00:34:49,759
Speaker 2: Well, okay, So what you're criticizing is so this is

783
00:34:49,800 --> 00:34:53,239
Speaker 2: an article in the journal, and I don't like that either,

784
00:34:53,440 --> 00:34:55,440
Speaker 2: because it looks like the kind of meal that like

785
00:34:55,440 --> 00:34:58,239
Speaker 2: a twenty two year old bro who just graduated from

786
00:34:58,239 --> 00:34:59,440
Speaker 2: college who was on the meal plan.

787
00:35:00,000 --> 00:35:01,200
Speaker 1: It's like, oh, I think this is one of the

788
00:35:01,200 --> 00:35:04,000
Speaker 1: home's supposed to start cooking food now like it look,

789
00:35:04,200 --> 00:35:05,880
Speaker 1: there's no creativity. There's no creativity.

790
00:35:05,880 --> 00:35:09,120
Speaker 2: It looks so pathetic and like, yeah, I just don't

791
00:35:09,160 --> 00:35:10,640
Speaker 2: like that they're trying to present it as like who

792
00:35:10,719 --> 00:35:14,719
Speaker 2: would want to eat this meal that evidently can be afforded?

793
00:35:14,840 --> 00:35:16,799
Speaker 2: Can you know buy most Americans for three dollars? And

794
00:35:16,840 --> 00:35:19,680
Speaker 2: it's like, well, no, it takes a little bit of creativity. Yeah,

795
00:35:20,160 --> 00:35:22,680
Speaker 2: don't boil the broccoli and throat on a plate. You

796
00:35:22,840 --> 00:35:25,160
Speaker 2: roast the broccoli, you char in a little bit.

797
00:35:25,280 --> 00:35:25,640
Speaker 1: Oh yeah.

798
00:35:25,680 --> 00:35:28,759
Speaker 2: You don't get boneless, skinless chicken breast and sprinkle a

799
00:35:28,760 --> 00:35:31,000
Speaker 2: little bit of Tony Satre's on it. You get the

800
00:35:31,040 --> 00:35:35,240
Speaker 2: bone in the chicken chi with skin and you grill it.

801
00:35:35,360 --> 00:35:37,680
Speaker 2: You don't put a plane tortilla on your plate, like

802
00:35:37,719 --> 00:35:39,720
Speaker 2: put a little butter on that thoat on the cast iron,

803
00:35:39,760 --> 00:35:40,640
Speaker 2: like kind of crisp it up.

804
00:35:40,680 --> 00:35:41,080
Speaker 1: There's weight.

805
00:35:41,080 --> 00:35:43,120
Speaker 2: You gotta be a little more creative. And it comes

806
00:35:43,120 --> 00:35:43,920
Speaker 2: down to, I think.

807
00:35:43,880 --> 00:35:45,960
Speaker 1: To get some taste out of what others might see

808
00:35:46,000 --> 00:35:48,920
Speaker 1: as like something bland I supposed to like what a

809
00:35:49,040 --> 00:35:52,600
Speaker 1: robot would have created, or like like a divorced dad

810
00:35:52,760 --> 00:35:54,920
Speaker 1: would it served as kids on the week. Yeah, like

811
00:35:54,960 --> 00:35:56,720
Speaker 1: it's just as sad as looking plate of food.

812
00:35:57,200 --> 00:35:59,640
Speaker 2: And I just want folks to get out there and

813
00:35:59,680 --> 00:36:01,799
Speaker 2: realize is that you can have amazing food, but it

814
00:36:01,880 --> 00:36:03,440
Speaker 2: just takes a little more creativity, it takes a.

815
00:36:03,440 --> 00:36:04,320
Speaker 1: Little more thought.

816
00:36:04,560 --> 00:36:07,839
Speaker 2: And I also don't like the fact that they mentioned, oh,

817
00:36:08,440 --> 00:36:10,799
Speaker 2: it costs, you know, three dollars per meal, but it

818
00:36:10,840 --> 00:36:13,480
Speaker 2: actually cost us twenty something dollars to buy all these groceries,

819
00:36:14,040 --> 00:36:16,319
Speaker 2: which it just tells me that I don't have much

820
00:36:16,360 --> 00:36:18,520
Speaker 2: patience for folks that seem so out of touch, Like, yes,

821
00:36:18,560 --> 00:36:20,360
Speaker 2: you don't go to the grocery store to buy a

822
00:36:20,400 --> 00:36:25,359
Speaker 2: singular meal. They are applying restaurant a restaurant approach to

823
00:36:25,400 --> 00:36:28,320
Speaker 2: their grocery shopping. No, no, like, that's why you have

824
00:36:28,360 --> 00:36:30,240
Speaker 2: a paintree, It's why you have a fridge to store

825
00:36:30,320 --> 00:36:33,280
Speaker 2: these additional ingredients that you can then find new ways

826
00:36:33,280 --> 00:36:35,479
Speaker 2: of creating delicious, wholesome, affordable food.

827
00:36:35,480 --> 00:36:37,720
Speaker 1: Well, I'm not gonna lie and say that our family

828
00:36:37,760 --> 00:36:40,360
Speaker 1: eats three dollars per person per meal every meal, Like

829
00:36:40,600 --> 00:36:43,600
Speaker 1: we don't either, we don't, and it's it's not a

830
00:36:43,640 --> 00:36:45,919
Speaker 1: goal of ours right now, but I will say some

831
00:36:45,960 --> 00:36:49,080
Speaker 1: weeks we really do kind of like typically it's like

832
00:36:49,080 --> 00:36:52,799
Speaker 1: one week a month where we do focus on using

833
00:36:52,840 --> 00:36:56,239
Speaker 1: super cheap ingredients and using that ingredient over and over

834
00:36:56,520 --> 00:36:58,840
Speaker 1: to reduce the price. Oh yeah of our meals. So

835
00:36:58,840 --> 00:37:00,759
Speaker 1: you've been doing that with proteins that, yeah, with like

836
00:37:00,800 --> 00:37:03,200
Speaker 1: whole chickens, right, smoking them so they have a ton

837
00:37:03,239 --> 00:37:05,640
Speaker 1: of flavor, but it's like nine or ten dollars for

838
00:37:05,680 --> 00:37:07,920
Speaker 1: two whole chickens, and then they go a long way.

839
00:37:07,960 --> 00:37:10,200
Speaker 1: They go into every meal that we eat that week,

840
00:37:10,280 --> 00:37:13,680
Speaker 1: whether it's in a soup, in a chicken pot pie,

841
00:37:14,040 --> 00:37:17,200
Speaker 1: or just the protein itself with some vegies that we've

842
00:37:17,200 --> 00:37:19,799
Speaker 1: put in the oven. I think people might laugh and

843
00:37:19,840 --> 00:37:22,360
Speaker 1: be like, three dollars per person per meal, that's far fetched.

844
00:37:22,360 --> 00:37:24,960
Speaker 1: We're in twenty twenty six. But I think if you

845
00:37:25,040 --> 00:37:29,520
Speaker 1: choose the right items, it's very possible. Right, if you

846
00:37:29,600 --> 00:37:32,920
Speaker 1: choose filling foods, like and you eat out less. You're

847
00:37:32,920 --> 00:37:36,160
Speaker 1: talking about eggs instead of cereal, right, which is that's

848
00:37:36,200 --> 00:37:38,279
Speaker 1: one of those Yeah, if you're eating cereal, then of

849
00:37:38,280 --> 00:37:39,960
Speaker 1: course that that's probably gonna cost a whole lot more,

850
00:37:40,040 --> 00:37:43,000
Speaker 1: especially now that egg prices have come down. I mean,

851
00:37:43,000 --> 00:37:45,440
Speaker 1: you're talking about it's not twenty twenty five anymore. Two

852
00:37:45,480 --> 00:37:47,239
Speaker 1: eggs and a piece of toast in the morning. That's

853
00:37:47,400 --> 00:37:50,160
Speaker 1: that's like a thirty cent meal something like that. So

854
00:37:50,520 --> 00:37:54,760
Speaker 1: there's totally ways to skin this cat and to eat well.

855
00:37:54,840 --> 00:37:57,720
Speaker 1: I think doing it eat decently well. I'm not gonna

856
00:37:57,800 --> 00:38:00,960
Speaker 1: lie and make it sound like it's easy, but I

857
00:38:01,000 --> 00:38:03,480
Speaker 1: think it's certainly doable, and you don't have to like

858
00:38:04,080 --> 00:38:05,120
Speaker 1: eat trash to do that.

859
00:38:05,280 --> 00:38:07,480
Speaker 2: Totally agree, man, Jill. Do you think folks are too

860
00:38:07,520 --> 00:38:09,480
Speaker 2: blessed to be stressed out there? Or that's what my

861
00:38:09,480 --> 00:38:11,359
Speaker 2: bumper sticker says? Matt, does it really No, I don't

862
00:38:11,400 --> 00:38:12,920
Speaker 2: have a bumper sticker. Does it also say?

863
00:38:13,000 --> 00:38:14,840
Speaker 1: I'm kind of morally against bumper stickers.

864
00:38:15,280 --> 00:38:17,560
Speaker 2: You've got a nice license plate where you've got because

865
00:38:17,600 --> 00:38:19,120
Speaker 2: it's one of our favorite folk artists.

866
00:38:19,160 --> 00:38:21,480
Speaker 1: Oh, you designed the plate, You're like, I don't even

867
00:38:21,520 --> 00:38:25,400
Speaker 1: care about the humane society. I know. I just like

868
00:38:25,440 --> 00:38:27,560
Speaker 1: that he designed the plate for it. I tell my wife,

869
00:38:27,600 --> 00:38:29,080
Speaker 1: like hate So when I say that something, I don't

870
00:38:29,080 --> 00:38:31,239
Speaker 1: really really like animals. I just like the art. That's

871
00:38:31,280 --> 00:38:33,279
Speaker 1: not true. You've got multiple animals. We have anim at

872
00:38:33,280 --> 00:38:35,640
Speaker 1: this point. But I'm yeah, I don't know. I threaten

873
00:38:35,800 --> 00:38:37,279
Speaker 1: my daughter that when she goes off to college, she's

874
00:38:37,320 --> 00:38:40,920
Speaker 1: gonna have to take the cats with her. By the way,

875
00:38:40,960 --> 00:38:43,360
Speaker 1: do you get your cat food at Costco? Duh?

876
00:38:43,360 --> 00:38:46,279
Speaker 2: Okay, yeah, we didn't talk about dog food. That's like

877
00:38:46,280 --> 00:38:47,080
Speaker 2: one of the major winners.

878
00:38:47,120 --> 00:38:47,960
Speaker 1: Yeah.

879
00:38:48,000 --> 00:38:50,200
Speaker 2: Well, as far as getting your Cosco membership to pay

880
00:38:50,239 --> 00:38:52,960
Speaker 2: for it stuff, No, No, we're talking about stress financial wellbeing.

881
00:38:53,040 --> 00:38:56,320
Speaker 2: There is a new study that found that subjective financial

882
00:38:56,360 --> 00:39:01,080
Speaker 2: security where I'd say the lack thereof directly in stress levels,

883
00:39:01,320 --> 00:39:05,080
Speaker 2: which this isn't shocking, but I think it's worth discussing because,

884
00:39:05,160 --> 00:39:09,080
Speaker 2: first of all, the first word of that subjectivity, like

885
00:39:09,360 --> 00:39:12,400
Speaker 2: the subjective financial security, that subjectivity I think is a

886
00:39:12,440 --> 00:39:13,200
Speaker 2: part of the problem.

887
00:39:13,440 --> 00:39:15,960
Speaker 1: Instead having clear how do you feel right now in

888
00:39:16,000 --> 00:39:19,160
Speaker 1: the moment? Well, subjectively not so great? You know well,

889
00:39:19,200 --> 00:39:21,279
Speaker 1: and it's just what do you base your decisions on?

890
00:39:21,640 --> 00:39:25,200
Speaker 1: And I think having objective data and numbers is the

891
00:39:25,239 --> 00:39:27,239
Speaker 1: best way to assess how you're actually doing with your

892
00:39:27,280 --> 00:39:30,960
Speaker 1: personal finances, which means a bit more tracking your spending.

893
00:39:31,000 --> 00:39:34,239
Speaker 1: Perhaps it means having an emergency fund, paying down debt,

894
00:39:35,239 --> 00:39:37,799
Speaker 1: being able to actually identify what your specific goals are.

895
00:39:38,400 --> 00:39:39,440
Speaker 1: The more you are.

896
00:39:39,320 --> 00:39:42,800
Speaker 2: Objectively making progress, and the more that you are actually

897
00:39:42,840 --> 00:39:45,440
Speaker 2: on solid financial footing. I think you're going to see

898
00:39:45,440 --> 00:39:46,920
Speaker 2: your stress decline, and.

899
00:39:47,120 --> 00:39:48,960
Speaker 1: Of course higher levels of stress.

900
00:39:49,000 --> 00:39:52,920
Speaker 2: It impacts every area of your life, including your your health,

901
00:39:53,360 --> 00:39:55,560
Speaker 2: impacts your how you perform at your job, and it

902
00:39:55,560 --> 00:39:58,560
Speaker 2: impacts your relationships. So money isn't the only thing that

903
00:39:58,600 --> 00:39:59,200
Speaker 2: creates stress.

904
00:39:59,239 --> 00:40:00,040
Speaker 1: But I think.

905
00:40:00,040 --> 00:40:03,719
Speaker 2: Following some tried and true financial tenets regularly right, like

906
00:40:03,760 --> 00:40:05,439
Speaker 2: the things we talk about on the show all the time,

907
00:40:06,160 --> 00:40:08,719
Speaker 2: over the course of your working career, can help you

908
00:40:08,760 --> 00:40:12,719
Speaker 2: to not only feel more in control, but it's going

909
00:40:12,760 --> 00:40:16,600
Speaker 2: to truly give you more options than a solid financial

910
00:40:17,160 --> 00:40:18,319
Speaker 2: foundation to operate from.

911
00:40:18,480 --> 00:40:20,640
Speaker 1: And you just might assume, oh, people who make more

912
00:40:20,680 --> 00:40:23,959
Speaker 1: money are less stressed out right, but that's not true either,

913
00:40:24,000 --> 00:40:26,880
Speaker 1: and the data bore that out that basically high earners

914
00:40:27,560 --> 00:40:32,040
Speaker 1: they don't report less stress, right, they also experience financial

915
00:40:32,239 --> 00:40:37,800
Speaker 1: insecurity at similar levels. So this reinforces I think that

916
00:40:37,920 --> 00:40:41,799
Speaker 1: Americans have really across income levels, find it hard to

917
00:40:41,840 --> 00:40:47,560
Speaker 1: handle money effectively, and stress typically stems from those feelings

918
00:40:47,560 --> 00:40:52,200
Speaker 1: of financial insecurity, even if you're doing okay. And I

919
00:40:52,320 --> 00:40:54,920
Speaker 1: can attest to this in my own life that those

920
00:40:54,960 --> 00:40:58,279
Speaker 1: subjective feelings, even if on paper I'm making progress and

921
00:40:58,280 --> 00:41:00,880
Speaker 1: I'm doing okay. It's a feeling that I have that

922
00:41:01,040 --> 00:41:05,120
Speaker 1: leads to stress. It's not actually like the numbers in

923
00:41:05,160 --> 00:41:07,080
Speaker 1: my four O one K or what I have on

924
00:41:07,160 --> 00:41:09,440
Speaker 1: hand in my savings. It's a feeling that causes some

925
00:41:09,480 --> 00:41:11,879
Speaker 1: of that stress at times. And there's just no there's

926
00:41:11,880 --> 00:41:15,799
Speaker 1: no silver bullet to eradicate those feelings instantly. But I

927
00:41:15,840 --> 00:41:19,319
Speaker 1: guess Matt, you and I would suggest that your feelings,

928
00:41:19,360 --> 00:41:21,880
Speaker 1: like you can't always control them, and even facts can't

929
00:41:22,280 --> 00:41:24,840
Speaker 1: like dissuade you from feeling a certain way in the moment,

930
00:41:25,200 --> 00:41:27,920
Speaker 1: but that our feelings should be more rooted in the

931
00:41:28,000 --> 00:41:31,239
Speaker 1: facts of our actual financial situation. And even if things

932
00:41:31,480 --> 00:41:34,520
Speaker 1: are looking grim right, looking reality in the face can

933
00:41:34,600 --> 00:41:37,719
Speaker 1: help people. It can help you develop a plan, can

934
00:41:37,760 --> 00:41:41,200
Speaker 1: help you to make changes to alter your trajectory while

935
00:41:41,239 --> 00:41:44,400
Speaker 1: reducing current and future stress levels. I think it's actually

936
00:41:45,520 --> 00:41:48,320
Speaker 1: it causes more stress the more we avert our eyes

937
00:41:48,560 --> 00:41:52,319
Speaker 1: and look away from the information that would scar because

938
00:41:52,320 --> 00:41:54,480
Speaker 1: you can't fool yourself. You know it's there, You know

939
00:41:54,640 --> 00:41:58,399
Speaker 1: that you might be on unstable financial footing, and so yeah,

940
00:41:58,440 --> 00:42:02,480
Speaker 1: actually dressing that thing head on, coming up with a plan,

941
00:42:02,640 --> 00:42:04,960
Speaker 1: continuing to listen to how the money is what we'd recommend,

942
00:42:05,040 --> 00:42:06,920
Speaker 1: three days a week. That's what that's what we suggest,

943
00:42:06,920 --> 00:42:08,600
Speaker 1: that's what the doctor prescribes for our friends.

944
00:42:08,640 --> 00:42:10,839
Speaker 2: But that's gonna be it for this episode. We hope

945
00:42:10,840 --> 00:42:12,839
Speaker 2: everyone has a fantastic weekend and.

946
00:42:13,040 --> 00:42:15,480
Speaker 1: Stayed warm, stay dry. We'll see you back here on Monday,

947
00:42:16,239 --> 00:42:18,279
Speaker 1: and Buddy, that's going to be it. So until next time,

948
00:42:18,440 --> 00:42:20,839
Speaker 1: Best Friends Out, Best Friends Out.