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Speaker 1: Hey, this is Sam this is John, and we are

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Speaker 1: the founding hosts of Okay Storytime Podcast and we have

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Speaker 1: some foundational stories coming up for you. But the thing

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Speaker 1: is this foundation needs a little support from these sponsors.

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Speaker 1: So stick around two minutes and we'll get into the episode.

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Speaker 2: My sister has been stealing from our parents by forging

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Speaker 2: the checks. It is very complicated and it would take

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Speaker 2: a while to explain it all, so I will try

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Speaker 2: to stick with the basics. I work with my dad

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Speaker 2: and her boyfriend, who is the father of her children,

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Speaker 2: works with us before work. One morning, he noticed something

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Speaker 2: odd in his account, so he went out to the

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Speaker 2: office to check and he was out there for a while.

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Speaker 2: By the way, this comes from Mark Hayes eighty six,

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Speaker 2: And if you want to submit your own stories, go

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Speaker 2: to the r slash Okay Storytime Separateate.

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Speaker 3: I'm Sophia Oh and I'm Mia, and I'm Dakota, and

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Speaker 3: we have a very special guest today and that is

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Speaker 3: Mia Samson. She's a wealth advisor and the director of

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Speaker 3: Marketing at Gerbert Kawasaki Wealth and Investment Management. She specializes

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Speaker 3: in working with professional women, entrepreneurs and rising leaders, helping

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Speaker 3: them take control of their finances with clarity, confidence, and

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Speaker 3: a personalized plant.

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Speaker 1: Welcome mea thank.

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Speaker 4: You for being, thank you for joining us, thank you

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Speaker 4: for having me. I'm excited to be here.

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Speaker 2: And I'm excited to hear your thoughts. H oh P

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Speaker 2: says he called up the bank to ask them to

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Speaker 2: go back a few years, and he and the lady

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Speaker 2: on the phone started noticing a lot of checks that

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Speaker 2: looked forged. My sister has mastered her forgery skills over

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Speaker 2: the years because she has been basically writing out checks

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Speaker 2: to her boyfriend's account NonStop for as long back as

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Speaker 2: five years. This includes months ago when my parents offered

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Speaker 2: to get my niece a reliable car because her own

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Speaker 2: parents claim to be too broke to afford one. The

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Speaker 2: car her boyfriend is driving to work once belonged to me.

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Speaker 2: It's acrolla with the exhaust hanging off that I sold

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Speaker 2: to him for one dollar so we could get back

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Speaker 2: and forth from work rather than fix the exhaust in

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Speaker 2: the past few years or just get a decent car.

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Speaker 2: He has bought a new pair of Nikes almost every week.

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Speaker 2: What does he do doing with the nikes?

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Speaker 4: Showing them off?

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Speaker 2: Yeah, he's like every day he's just stucking around. Yeah,

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Speaker 2: he's doing h have you. I used to do ballet,

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Speaker 2: and when you have point choes you have to break

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Speaker 2: them in, which is basically like you like snapped a ballet.

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Speaker 4: But I've heard about that, Yeah, some TikTok holes.

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Speaker 2: Yeah, and he's doing that. Even at work, he keeps

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Speaker 2: checking his Nike account to see when the latest deal work.

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Speaker 4: For Nike stores. He's trying to yeah off the merchandise.

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Speaker 2: At least, I have no idea. It seems like he

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Speaker 2: just really likes Nike. Okay, I feel like they should

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Speaker 2: give him a deal. If you're buying a Nike every week.

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Speaker 3: Balls, she was in the wrong place, and that's my

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Speaker 3: that's my.

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Speaker 2: Fault, that's my bad, setting me up for failure.

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Speaker 4: They've got the b squad bag here today.

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Speaker 2: Even at work, he keeps checking his Nike account to

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Speaker 2: see when the latest deals are and he talks about

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Speaker 2: how he's addicted to buying them. He of course, has

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Speaker 2: to spoil his daughter with a fresh pair of Nikes

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Speaker 2: whenever she wants as well. Of course. Yeah, also my

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Speaker 2: needs a steak entrede dinner every time so she can

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Speaker 2: take two bites and then ask for dessert. Okay, thousands

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Speaker 2: of dollars alone have been spent on pea pod deliveries

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Speaker 2: from Stop and Shop because who would want to drive

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Speaker 2: five minutes away and walk around a store. Not only that,

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Speaker 2: they shoplift in front of their children so much that

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Speaker 2: my niece says, mom is her own spot in the store.

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Speaker 2: They're very good at it. It seems like this mom

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Speaker 2: is a very skilled criminal. Yeah, she knows that afforded

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Speaker 2: checks and steal.

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Speaker 4: In trouble.

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Speaker 2: Yeah, That's what I'm wondering, Like, is it her spot

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Speaker 2: where she steals or her spot where she's like, oh,

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Speaker 2: always had the best. Because they once stolen AC from

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Speaker 2: Walmart while we were on vacation. Why was it hot?

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Speaker 2: And I was with them the entire time and didn't

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Speaker 2: even know until we got to the car. They get

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Speaker 2: in the car, they're like, drive five. How did they

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Speaker 2: steal the brand new AC from Walmart in front of

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Speaker 2: me and their children? Well, they forgot to scan it,

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Speaker 2: of course at self checkout. I was happy to get

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Speaker 2: out of there since it was the beginning of vacation

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Speaker 2: and I didn't feel like getting arrested over an AC. Anyways,

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Speaker 2: that's not even the beginning of it. However, it's already

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Speaker 2: multiple paragraphs. I guess I'm writing this because this happened

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Speaker 2: almost two weeks ago when he noticed his account. Yes,

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Speaker 2: he feels stupid, but why should he? I asked him?

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Speaker 2: Why should he expect his own daughter to be stealing

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Speaker 2: blank checks from him every chance she could, even after

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Speaker 2: he helps her with everything. I did reach out to

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Speaker 2: her tonight, and the response was sickening. She not only

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Speaker 2: attacked me for all my downfalls, but she basically takes

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Speaker 2: no responsibility and acts like she is the victim. One

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Speaker 2: line really stood out, as if it were in all caps.

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Speaker 2: God forbid Dad part with his money. She's just a thief.

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Speaker 2: She just wants to steal everyone's money. My parents have

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Speaker 2: both worked hard, and when I was a kid, I

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Speaker 2: didn't always spend time with my dad because he was working.

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Speaker 2: He was only working for us. I realized this as

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Speaker 2: I grew up, and I'm proud of both of them,

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Speaker 2: and sometimes I want to do my own thing, but

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Speaker 2: I'm still here because there's something about it that makes

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Speaker 2: me happy. Maybe it's spending time with them. So it

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Speaker 2: really hurts to see him feel so betrayed by his

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Speaker 2: own daughter. My sister, who I've never truly been angry at.

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Speaker 2: So how much did he notice missing? From the jobs

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Speaker 2: he has done over the last few years through both contractors.

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Speaker 2: He should have roughly two hundred and fifty thousand dollars

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Speaker 2: in his check account, but only sixty five thousand dollars remains.

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Speaker 2: Oh god, how do you not notice that I'm out missing?

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Speaker 4: Oh? They need a bookkeeper, they.

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Speaker 2: Do also, she went into his savings account. No, he

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Speaker 2: spent hours printing out as many fraudulent checks as he

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Speaker 2: could notice in his account.

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Speaker 4: I've coming from business and personal.

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Speaker 2: It seems so, it seems okay, Yeah, because he from

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Speaker 2: the job he's done over the last few years. Yeah,

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Speaker 2: from his checking and his savings account. But that's where

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Speaker 2: all of his business means is going.

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Speaker 4: Okay.

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Speaker 2: He went through an entire higher pack of Xerox papers

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Speaker 2: you get from stables. He had two separate piles of

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Speaker 2: checks he printed out, one for his checking account and

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Speaker 2: one for his savings account. The checking account pile was

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Speaker 2: double the size and heavy to pick up. For a

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Speaker 2: stack of papers combined, it was about two packs of

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Speaker 2: Xerox papers. I am now blocked by my sister, even

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Speaker 2: though I was trying to be the peacemaker. Her boyfriend

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Speaker 2: won't answer either, who I've always considered like a brother.

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Speaker 2: So it felt awkward to leave several angry voicemails on

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Speaker 2: both their phones, because I've never yelled at either of them,

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Speaker 2: except maybe my sister when I was a kid. I

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Speaker 2: even told him something like, maybe if you stopped buying

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Speaker 2: Nikes every week, you could fix your car or even

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Speaker 2: buy a new one. He was more upset about the

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Speaker 2: fact that he drove to work that day only to

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Speaker 2: leave ten minutes later. After we arrived, my dad said,

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Speaker 2: are you involved in this? And he said, what, Why

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Speaker 2: would I come to work if I was stealing money? Well,

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Speaker 2: he showed up when he wanted, sometimes two days a week,

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Speaker 2: sometimes three days a week. Sometimes he came around noon

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Speaker 2: all well, held helping my sister by basically stealing blank

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Speaker 2: checks from the work check whenever he got a chance.

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Speaker 5: Oh.

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Speaker 2: So he was very obviously lying, and.

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Speaker 4: Yeah, I mean they're not responding.

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Speaker 5: No, Yeah, why would you not respond if you're not guilty?

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Speaker 4: Exactly your case.

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Speaker 2: Yeah, So he could write out his own checks, or

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Speaker 2: she could write them, since almost all were written by

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Speaker 2: her to her account, She tried sending a text to

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Speaker 2: them with an image of her bank account showing nothing

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Speaker 2: in it. What she didn't do is send an image

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Speaker 2: of his account. She was basically trying to say, look,

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Speaker 2: nothing in my account to prove her innocence, but it

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Speaker 2: instead made it more obvious because she wrote them all

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Speaker 2: to his account. There are so many more details, but

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Speaker 2: I just keep writing, and we're gonna pause there because

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Speaker 2: that was a lot of information.

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Speaker 4: It's a long story, and yeah, a lot to take in.

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Speaker 2: And we still have more, OK. But it seems like

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Speaker 2: right now we have Opie's father who has had a

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Speaker 2: lot of money, like over one.

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Speaker 4: Hundred and ninety thousand or so something.

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Speaker 2: Like, Yeah, that amount of money stolen from his bank account.

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Speaker 2: Do you have any advise about preventing that or what

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Speaker 2: to do now?

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Speaker 5: I mean, you know, yeah, I once you figure out

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Speaker 5: that this money is coming out of account, I'd say

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Speaker 5: definitely step one freezing the account, Yeah, you know, changing

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Speaker 5: bank account number, maybe not keeping if it sounds like

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Speaker 5: it's physical checks that she's writing, Yeah, because.

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Speaker 2: It's the blank checks that they're stealing from the company.

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Speaker 4: Unfortunately, aren't that difficult to you know? Forge?

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Speaker 5: I mean, we think about you you write your parents'

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Speaker 5: signature sometimes, you know, to get onto a field.

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Speaker 4: Trip when you're younger. Absolutely, it's not rocket science. Yeah.

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Speaker 2: I not did that once, but then I felt so

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Speaker 2: guilty that I stopped halfway through. But then the teacher

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Speaker 2: came right when I stopped, so she thought I was

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Speaker 2: still doing it.

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Speaker 5: I don't think I actually ever used my parents' signature,

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Speaker 5: but I used to brag to my mom a lot

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Speaker 5: that hers was super easy.

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Speaker 2: Yeah, my mom's is just scribble.

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Speaker 4: Yeah, basically a scribble. That's my mom's perfect. We have

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Speaker 4: the same mom.

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Speaker 5: Uh. Yeah, it's a freezy accounts. You you need to

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Speaker 5: have a talk with the Yeah, with the sister, and

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Speaker 5: I mean her husband as well.

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Speaker 4: Is he still showing up what work? It sounds like yeah,

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Speaker 4: which is weird because he works there.

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Speaker 5: So yeah, I feel he's fired, right, I would hope, So,

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Speaker 5: I mean I would hope that he'd be fired. Accounts

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Speaker 5: are changed, things are frozen. The bank clearly knows about it, yeah,

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Speaker 5: because they were talking to the bank. Yeah, so that's

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Speaker 5: I mean, it's good that they're involved.

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Speaker 4: Yeah. Yeah, i'd say those are the first steps.

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Speaker 5: But trying to get them to admit fault even just

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Speaker 5: in a family setting, or why you know an explanation

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Speaker 5: as to.

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Speaker 2: Why we could pay raise before you stall.

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Speaker 5: Was it just for the nikes? Or was it for

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Speaker 5: basic necessities? It was for the stake.

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Speaker 4: It was for the stake, for the stake.

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Speaker 2: There have been a lot of times that I felt

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Speaker 2: bad about not getting up for work. I have plenty

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Speaker 2: of my own claws. There have been times when I

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Speaker 2: let my depression get the best of me and I

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Speaker 2: didn't go to work because I know he will forgive me,

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Speaker 2: even though I know he's disappointed me like I ended

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Speaker 2: at earlier. I've never really been sure if this is

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Speaker 2: what I want to do. One thing I have never done, though,

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Speaker 2: is take a blank check and write out whatever sum

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Speaker 2: of money I feel like. Not once, not twice, not

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Speaker 2: hundreds of times. They took so many that they seem

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Speaker 2: confused about why they are even upset. Just money, right,

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Speaker 2: I mean, he's making money, why can't they have some?

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Speaker 2: Maybe some weeks he didn't feel like five hundred dollars

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Speaker 2: was enough for three days of work, So he steals

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Speaker 2: a blank check and my sister writes HI an eight

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Speaker 2: hundred dollars check. In the same week, my sister will

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Speaker 2: come over saying how broke she is, and they'll sympathize

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Speaker 2: with her and write her out of check.

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Speaker 4: Any final thoughts not yet.

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Speaker 2: Yeah, have you had any I mean, like any similar

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Speaker 2: you know, in advising people about financials and stuff where

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Speaker 2: they've had dealt with family members or I.

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Speaker 5: Mean definitely, yeah, dealing with family members, not in the

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Speaker 5: sense that they're necessarily feeling from their family members, but

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Speaker 5: more so that they feel deserving. A child feels deserving

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Speaker 5: of their parents' money. Yeah, a lot of times we

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Speaker 5: see this in wealthier households and trying to then meet

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Speaker 5: with the children as well and temper their expectations of

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Speaker 5: what you know, they deserve and what they work for.

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Speaker 5: I feel like my thoughts actually now that I am

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Speaker 5: thinking back to the five hundred dollars not being enough

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Speaker 5: for three days of work, seems like could have negotiated

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Speaker 5: his salary exactly, or pay or maybe come into work

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Speaker 5: a little bit.

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Speaker 2: More, just so many other options.

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Speaker 4: Yeah, it feels like this is just.

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Speaker 2: Kind of their mo if they're stealing an ac right

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Speaker 2: for seemingly no reason at all.

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Speaker 1: Some people just like the thrill of them, the thrill

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Speaker 1: of the hunt.

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Speaker 4: I think that might be to go on for five years.

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Speaker 3: Yeah, yeah, just it feels like it's kind of like

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Speaker 3: maybe like a cultural thing in the not a cultural

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Speaker 3: but like a learned behavior in the family, where it's like, oh,

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Speaker 3: this is just accepted. It's like you can steal from people,

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Speaker 3: you can steal from play and it's fine.

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Speaker 2: And it also seems a little bit more casual in

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Speaker 2: this workplace because OPI already said, you know, I don't

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Speaker 2: have to come in all the time, and he gets it,

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Speaker 2: and you know, I don't work that hard all the time.

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Speaker 4: I'm curious what kind of business it is.

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Speaker 2: Yeah, I wonder.

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Speaker 4: I don't know, that's conditioning business.

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Speaker 2: Yeah, you're conditioning steal acis my family. We swear a

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Speaker 2: lot and can rant, but we have a sense of humor.

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Speaker 2: So we started joking when he was going over all

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Speaker 2: the forged checks in his account, and anytime Christmas rolled around,

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Speaker 2: whether it was twenty twenty two, twenty one, twenty nineteen,

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Speaker 2: my sister went on a big shopping spree those holidays.

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Speaker 2: She got real busy forging those checks. Sometimes it was

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Speaker 2: two days apart, if you were real ones written by

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Speaker 2: my mom because she wants her grandchildren to have a

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Speaker 2: good Christmas. That was nice and all, but why not

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Speaker 2: just write out three other blank checks for yourself in

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Speaker 2: the same week. The memo for those checks usually said

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Speaker 2: the girls meaning my sister's kids. So it was nice

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Speaker 2: to hear my dad joke again and say, oh, look,

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Speaker 2: the girl need more money, quick, get your check book

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Speaker 2: out for the girls. Well, we don't exactly want to

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Speaker 2: ruin either of their lives and get police involved, and

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Speaker 2: they won't respond now, so I have no idea what

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Speaker 2: to do any advice.

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Speaker 5: I mean again, I'd to go back to the freeze

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Speaker 5: accounts and then have conversation. Yes, they don't want to

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Speaker 5: get police involved.

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Speaker 2: Which is surprising to me, but also I guess not

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Speaker 2: that surprising if you were just kind of chill with

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Speaker 2: being the getaway car when they stole an AC so

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Speaker 2: it seems like you kind of expect.

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Speaker 6: I mean, people also give a lot more leeway to

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Speaker 6: that family, of course.

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Speaker 5: Yeah, yeah, I mean I think I would act differently in.

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Speaker 4: This situation where I agree I would file a police report.

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Speaker 5: Yeah, I mean, at minimum, you know, first of all,

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Speaker 5: it has all the money been spent or is it

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Speaker 5: sitting in a different account that's.

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Speaker 4: Yeah, just something you can give back, right. Yeah, So it's.

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Speaker 5: Not in her account, is it in her husband's account

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Speaker 5: and it is in another bank account under her name

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Speaker 5: that she didn't share with them. Assume based on her behavior,

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Speaker 5: it's all been spent. So but you know, I think

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Speaker 5: theoretically they could get an agreement of them somehow paying

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Speaker 5: the data back.

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Speaker 4: Yeah, but still likely best to do a police support.

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Speaker 2: I think if you actually want the money back, I

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Speaker 2: think that is probably the best way to go about it.

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Speaker 4: Yeah, yeah, definitely.

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Speaker 2: But that's the end of that story. So we're going

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Speaker 2: to get into some questions. I'm Sophia and we've got

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Speaker 2: a guess that's got to answer these questions.

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Speaker 4: Okay, I'm Mia.

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Speaker 5: I'm a financial advisor in Los Angeles. I work with

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Speaker 5: a lot of women, people in tech, entrepreneurs and foot

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Speaker 5: healthcare too.

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Speaker 4: Yeah, work for Gerber Kulasaki.

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Speaker 5: We're pretty unique because we have no investment minimum, so

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Speaker 5: really able to work with a wide array of.

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Speaker 4: People and who I get along with.

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Speaker 2: That's lovely. And we got some questions from fans who

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Speaker 2: say this is an anonymous center who says I thirty

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Speaker 2: eight female have always struggled with financial understanding and budgeting,

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Speaker 2: as my parents were extremely with money, i e. Gambling

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Speaker 2: and other vices. Question, I'm on disability, but I'm trying

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Speaker 2: to start up a small business around my artwork as

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Speaker 2: I paint and draw on commission, But I have no

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Speaker 2: idea how to get started. I would love any advice

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Speaker 2: or tips.

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Speaker 4: Okay, awesome.

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Speaker 5: First of all, you're not alone in not being one

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Speaker 5: hundred percent sure on how to handle money. I think

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Speaker 5: a lot of people aren't taught proper budgeting skills or

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Speaker 5: you know, about investing, and it's been a really large

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Speaker 5: gap just within our education system as a whole. So

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Speaker 5: I guess the questions more about what to do with

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Speaker 5: starting her or his anonymous.

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Speaker 2: Yeah, yeah, so it's about starting up a small business

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Speaker 2: with artwork as she paints and draws on commission.

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Speaker 5: So just like trying to figure out to start that,

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Speaker 5: I'd say, first, it's understanding you know your market and

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Speaker 5: what you are selling it for and where you are

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Speaker 5: selling it because you know what you're expecting to make

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Speaker 5: from the artwork, how much time it's going to take

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Speaker 5: you to do this. Is this your full time job?

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Speaker 5: Is this a side hobby? Because all of those factors

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Speaker 5: are going to affect your financial budget, and then i'd

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Speaker 5: say your time budget.

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Speaker 1: Well, time budget.

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Speaker 3: I think that's a really cool concept because a lot

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Speaker 3: of people disregard how long an endeavor will take.

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Speaker 5: And it's like, well, definitely, And I think a lot

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Speaker 5: of times when people have more businesses that are involving

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Speaker 5: are it a lot of times it starts out as

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Speaker 5: a side business and then maybe becomes their full time.

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Speaker 2: Job as it becomes more like lucrative.

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Speaker 4: Definitely.

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Speaker 5: Yeah, you know, there's different ways to incorporate yourself as

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Speaker 5: a business. I don't think that you need to jump

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Speaker 5: into doing that right away. I think again, it comes

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Speaker 5: first to the fundamentals of you know what you're selling,

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Speaker 5: how much you're selling it for, you know how much

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Speaker 5: you expect to sell and gain from it. And then

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Speaker 5: when you start to see those profits and you know,

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Speaker 5: prove yourself as a business, then then it's coming into

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Speaker 5: question of more, you know, should I incorporate myself as

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Speaker 5: an escort or you know, dependent on liabilities you know

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Speaker 5: on LLC?

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Speaker 2: So yeah, absolutely great answer Question two comes from Belton,

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Speaker 2: who I don't know if they're here, let us know

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Speaker 2: if you're in the chat, do I really need to

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Speaker 2: sign up for and pay for a vendor's license if

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Speaker 2: I don't plan on selling much in a year. It

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Speaker 2: feels counterproductive to pay fifty dollars for a license on

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Speaker 2: top of a booth fee, just to maybe sell two

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Speaker 2: hundred dollars worth of items once a year. I know

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Speaker 2: this varies by state, and I'm not in California, but

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Speaker 2: I want to do things right while not wasting away

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Speaker 2: what small profits I'll make.

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Speaker 5: Okay, I'll admit I'm not super familiar with the way

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Speaker 5: that vendor's licenses work, but I do know that they

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Speaker 5: do vary by state as far as the cost and

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Speaker 5: what you need them for. Technically, the answer should be

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Speaker 5: you know, yes, you should have a vendor's license. I'm

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Speaker 5: going to say most people, when again they're starting out businesses,

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Speaker 5: likely don't.

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Speaker 4: But if you're going.

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Speaker 5: To sell at a booth, like at a street fair

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Speaker 5: sort of thing, you likely do need that. Yeah, I

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Speaker 5: think the question comes to you know, if you're planning

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Speaker 5: on making two hundred dollars for the entire year, at

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Speaker 5: least I know booths that we've done around Santa Monica

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Speaker 5: or own Fennis.

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Speaker 4: When you rent a.

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Speaker 5: Booth, it's like one thousand to three thousand dollars usually.

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Speaker 2: So it probably wouldn't be worth it if you're really right.

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Speaker 5: Yeah, So is that the best use of your time

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Speaker 5: and money essentially?

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Speaker 2: Yeah? Absolutely? All right. Well, here's another question. Has anyone

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Speaker 2: started their own business after retirement? And this comes from

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Speaker 2: Popper Scooper. Oh, definitely, who says I am on track

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Speaker 2: to retire in a few years. I am very excited

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Speaker 2: to retire from the rat race, and when I think

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Speaker 2: about what I will do when I no longer work

403
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Speaker 2: a nine to five, I have always pictured running my

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Speaker 2: own business. I would ideally like to open a dog daycare.

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Speaker 2: My wife and I have always owned dogs and know

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Speaker 2: all of the dog daycares in the area. Well, there

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Speaker 2: are only two within ten miles, so the market is there.

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Speaker 2: While I know a lot about dogs, I admittedly don't

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Speaker 2: know much about starting and owning a business. We own

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Speaker 2: a home with the yard, but I assume we will

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Speaker 2: need to purchase a commercial property to do this the

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Speaker 2: right way. We have been using Rover for a couple

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Speaker 2: of years now and have hosted a few dogs at

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Speaker 2: a time for overnight boarding before, so we do have

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Speaker 2: a pretty good network of local dog o. Is it

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Speaker 2: feasible to start the business from our home at first?

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Speaker 2: What kind of factors do we need to take into account?

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Speaker 2: If anyone has advice, that would be great for some

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Speaker 2: more background info, I will be retiring with the combined

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Speaker 2: savings of one point two.

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Speaker 1: Million Mega millions MM.

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Speaker 2: And my wife wishes to continue to work. I can

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Speaker 2: be on her healthcare for minimal cost, and her salary

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Speaker 2: is enough to cover all of our current expenses. The

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Speaker 2: house will be one hundred percent paid off by the

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Speaker 2: time I retire. Any thoughts about that? I guess the

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Speaker 2: main question there is, Oh, he's about to retire and

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Speaker 2: is looking into starting a dog daycare and potentially in

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Speaker 2: their own home.

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Speaker 5: I mean, I think it's definitely common for people to

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Speaker 5: start businesses once they retire. Some people are just truly

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Speaker 5: the type that don't want to stolp working, and I

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Speaker 5: think it's an interesting idea doing a doggy daycare. I

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Speaker 5: have a couple thoughts about a couple different parts of

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Speaker 5: the story. First of all, I mean Rover, it sounds

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Speaker 5: like they've had a couple of dogs from Rover, yeah,

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Speaker 5: from time to time, or how different it would be

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Speaker 5: having a bunch of dogs or you know what they're

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Speaker 5: talking about for this to be have full time business. Again,

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Speaker 5: I wonder how much cost it would take going putting

441
00:20:11,240 --> 00:20:13,919
Speaker 5: money into this too, like what their idea and vision

442
00:20:14,119 --> 00:20:16,240
Speaker 5: is for it or is it just dogs come over

443
00:20:16,280 --> 00:20:17,080
Speaker 5: and stay at their house?

444
00:20:17,240 --> 00:20:19,960
Speaker 2: Yeah? I think you should watch the movie Hotel for Dogs.

445
00:20:20,000 --> 00:20:20,840
Speaker 4: I don't know that movie.

446
00:20:21,080 --> 00:20:24,480
Speaker 2: It's great. I loved that movie. It's basically about these

447
00:20:24,480 --> 00:20:27,160
Speaker 2: two kids who start a hotel for dogs, but they're

448
00:20:27,160 --> 00:20:27,919
Speaker 2: in the bolers.

449
00:20:28,400 --> 00:20:29,560
Speaker 4: Well no, that's that's.

450
00:20:29,440 --> 00:20:31,520
Speaker 2: Yeah, you're right, but they're in the foster care and

451
00:20:31,520 --> 00:20:34,240
Speaker 2: they have to deal with that as well. Yeah, all right,

452
00:20:34,280 --> 00:20:36,040
Speaker 2: but on the movie lift but on the yeah, I

453
00:20:36,080 --> 00:20:36,679
Speaker 2: gotta watch it.

454
00:20:38,040 --> 00:20:41,080
Speaker 5: As far as what he has say for retirement, one

455
00:20:41,119 --> 00:20:44,240
Speaker 5: point two million, You know, big number when you talk

456
00:20:44,240 --> 00:20:48,480
Speaker 5: about just numbers, But if you are planning to have

457
00:20:48,560 --> 00:20:52,400
Speaker 5: an amount for retirement that you don't outlive, you typically

458
00:20:52,400 --> 00:20:54,720
Speaker 5: only want to take around four to five percent of

459
00:20:54,720 --> 00:20:57,480
Speaker 5: it per year. So one point two million, you're looking

460
00:20:57,520 --> 00:21:00,600
Speaker 5: at around sixty thousand per year as you're So if

461
00:21:00,640 --> 00:21:03,520
Speaker 5: that's what you can live on, then that's an ample amount.

462
00:21:03,600 --> 00:21:06,640
Speaker 5: But if doing this dog business is going to take

463
00:21:06,760 --> 00:21:09,440
Speaker 5: a good amount away from it. Yeah, you know, then

464
00:21:09,440 --> 00:21:11,400
Speaker 5: what's that going to do for your fut retirement?

465
00:21:11,520 --> 00:21:15,159
Speaker 2: Sure? Good point. Another person says, I'm about to receive

466
00:21:15,200 --> 00:21:18,080
Speaker 2: a very large inheritance from my parents and I have

467
00:21:18,160 --> 00:21:20,840
Speaker 2: no idea what to do with it. Help, And this

468
00:21:20,880 --> 00:21:23,520
Speaker 2: person says, from true off my chest. I don't want

469
00:21:23,520 --> 00:21:26,359
Speaker 2: to say the exact number for privacy reasons, but let's

470
00:21:26,440 --> 00:21:29,879
Speaker 2: just say my inheritance is in the eight figures ballpark

471
00:21:30,160 --> 00:21:33,879
Speaker 2: US dollars. This is a monumental amount of money, and

472
00:21:33,960 --> 00:21:36,040
Speaker 2: I don't want it to ruin me. I've heard horror

473
00:21:36,119 --> 00:21:38,679
Speaker 2: stories of folks running into money and letting it be

474
00:21:38,840 --> 00:21:42,480
Speaker 2: their downfall. My parents worked very hard for this and

475
00:21:42,640 --> 00:21:46,080
Speaker 2: had amazing careers, the both of them, and I will

476
00:21:46,240 --> 00:21:49,879
Speaker 2: absolutely not squander it. For background, I have a decent

477
00:21:49,920 --> 00:21:52,480
Speaker 2: savings at my age thirties, but I no longer work

478
00:21:52,520 --> 00:21:54,320
Speaker 2: as I stay home with the kids. I feel like

479
00:21:54,359 --> 00:21:57,040
Speaker 2: you don't have to work anymore. My husband makes a

480
00:21:57,040 --> 00:21:59,880
Speaker 2: great living already, north of two hundred thousand dollars a year,

481
00:22:00,080 --> 00:22:01,960
Speaker 2: so it's not like this money is something we were

482
00:22:02,000 --> 00:22:05,000
Speaker 2: depending on or anything. We already live a comfortable life.

483
00:22:05,160 --> 00:22:08,800
Speaker 2: Do I consult a lawyer, a financial advisor. Both continue

484
00:22:08,880 --> 00:22:12,200
Speaker 2: using my parents financial advisor. And there is another story,

485
00:22:12,200 --> 00:22:13,399
Speaker 2: but that was the question there.

486
00:22:13,760 --> 00:22:16,359
Speaker 5: I'd say all of the above are important, you know,

487
00:22:16,520 --> 00:22:20,000
Speaker 5: talking definitely to a financial advisor to first of all,

488
00:22:20,200 --> 00:22:23,480
Speaker 5: understand what what the money is that you're coming into,

489
00:22:23,560 --> 00:22:26,200
Speaker 5: because what type of accounts are they or what type

490
00:22:26,200 --> 00:22:30,399
Speaker 5: of inheritance is this. That's usually step one with inheritance

491
00:22:30,440 --> 00:22:34,520
Speaker 5: is making sure that the person who is inheriting understands everything. Yeah,

492
00:22:34,720 --> 00:22:37,480
Speaker 5: because you can't act rationally until you know the types

493
00:22:37,520 --> 00:22:39,840
Speaker 5: of accounts that you have and you know way that

494
00:22:39,880 --> 00:22:42,920
Speaker 5: it's structured. Another thing comes to you know, it sounds

495
00:22:42,920 --> 00:22:44,320
Speaker 5: like they're comfortable right now.

496
00:22:44,800 --> 00:22:46,159
Speaker 4: What are their future goals?

497
00:22:46,200 --> 00:22:49,000
Speaker 5: You know, do they have kids and yeah, I forget

498
00:22:49,040 --> 00:22:52,879
Speaker 5: if that way, you know, are they covered.

499
00:22:52,520 --> 00:22:54,040
Speaker 4: And paying for college?

500
00:22:54,240 --> 00:22:57,080
Speaker 5: Are they you know, looking to upgrade their house at

501
00:22:57,400 --> 00:22:59,960
Speaker 5: a certain point, Like then you can start to make

502
00:23:00,200 --> 00:23:02,320
Speaker 5: strategic ye around that.

503
00:23:02,720 --> 00:23:04,240
Speaker 4: I'd say with having.

504
00:23:04,040 --> 00:23:08,600
Speaker 5: Kids already but now having this large sum of money

505
00:23:08,640 --> 00:23:12,159
Speaker 5: come in. Another big thing is estate planning for yourself.

506
00:23:12,480 --> 00:23:15,159
Speaker 5: So it sounds like the person who's passed these funds

507
00:23:15,160 --> 00:23:18,040
Speaker 5: that them had a plan set up, but now it's

508
00:23:18,320 --> 00:23:21,280
Speaker 5: their turns to do that too. Working with the parents

509
00:23:21,359 --> 00:23:24,160
Speaker 5: financial advisor, I think can work out a lot of times.

510
00:23:24,160 --> 00:23:27,399
Speaker 5: You know, they know the accounts that the person has.

511
00:23:27,640 --> 00:23:30,840
Speaker 5: If they don't have a relationship with that financial advisor

512
00:23:30,960 --> 00:23:34,280
Speaker 5: previous prior to this, you know, That's where I'd say,

513
00:23:34,440 --> 00:23:37,480
Speaker 5: just explore your options, because there might be someone who's

514
00:23:37,520 --> 00:23:39,440
Speaker 5: a better fit for you. Someone who's a good fit

515
00:23:39,480 --> 00:23:42,880
Speaker 5: for one person isn't a great fit for another. And

516
00:23:43,119 --> 00:23:46,640
Speaker 5: have they not shown any interest in your financial life

517
00:23:46,760 --> 00:23:47,960
Speaker 5: prior to this either?

518
00:23:48,960 --> 00:23:51,720
Speaker 2: Yeah, Green It got another one who says seeking some

519
00:23:51,840 --> 00:23:55,040
Speaker 2: advice from women who are already in finance. Fodi Tuna

520
00:23:55,240 --> 00:23:57,840
Speaker 2: from women in finance says, I am a student right

521
00:23:57,880 --> 00:24:00,280
Speaker 2: now doing my master's in finance, and I want to

522
00:24:00,280 --> 00:24:03,080
Speaker 2: work in M and A. I am pretty intimidated by

523
00:24:03,080 --> 00:24:05,920
Speaker 2: the atmosphere of it because of how male dominated it

524
00:24:06,040 --> 00:24:08,800
Speaker 2: is by aggressive men. I feel like people around me

525
00:24:08,920 --> 00:24:11,439
Speaker 2: know way more than me, and I feel so lost.

526
00:24:11,760 --> 00:24:14,080
Speaker 2: I want to seek advice from fellow big sisters who

527
00:24:14,119 --> 00:24:16,480
Speaker 2: are already in the field, and do you have any

528
00:24:16,480 --> 00:24:17,720
Speaker 2: advice for op?

529
00:24:18,119 --> 00:24:21,040
Speaker 5: They probably don't know way more than you. To be honest,

530
00:24:21,280 --> 00:24:23,080
Speaker 5: I would say, you know, if they're coming in At

531
00:24:23,080 --> 00:24:26,760
Speaker 5: the same time, they don't likely know more than you.

532
00:24:26,760 --> 00:24:29,919
Speaker 5: You have a master's in this subject, and you just

533
00:24:29,960 --> 00:24:33,080
Speaker 5: need to be confident in your own skills too.

534
00:24:33,240 --> 00:24:35,600
Speaker 2: Yeah, I mean you were hired, so yeah, you were hired.

535
00:24:35,840 --> 00:24:38,520
Speaker 5: And most people when you come into a new job,

536
00:24:38,840 --> 00:24:40,480
Speaker 5: I mean, you're not going to know everything about a

537
00:24:40,560 --> 00:24:43,200
Speaker 5: new job. That's the whole point of you know, onboarding.

538
00:24:43,240 --> 00:24:45,600
Speaker 5: You can be an experienced person go to a next

539
00:24:45,640 --> 00:24:48,280
Speaker 5: job and have to learn about the way that a

540
00:24:48,320 --> 00:24:51,600
Speaker 5: new company does their things. I'd say connecting with other

541
00:24:51,640 --> 00:24:53,680
Speaker 5: women in M and A, if there's any other woman

542
00:24:53,800 --> 00:24:57,640
Speaker 5: in the company, and just asking them about their experience

543
00:24:57,960 --> 00:25:01,520
Speaker 5: and you know, what they wished they did different or

544
00:25:01,560 --> 00:25:03,720
Speaker 5: what they were happy that they did. You know, just

545
00:25:03,760 --> 00:25:07,240
Speaker 5: making those connections I think always helped. But men do

546
00:25:07,320 --> 00:25:09,679
Speaker 5: come off more confident than women a lot of times

547
00:25:09,720 --> 00:25:15,040
Speaker 5: in finance, but it doesn't also always necessarily translate to knowledge.

548
00:25:15,080 --> 00:25:17,679
Speaker 5: And there's been studies about this before too, about you

549
00:25:17,720 --> 00:25:20,879
Speaker 5: know meant to invest a lot earlier than when women do,

550
00:25:21,080 --> 00:25:24,080
Speaker 5: because women tend to feel a little less confident about

551
00:25:24,119 --> 00:25:28,040
Speaker 5: their skills investing. But it doesn't mean that one or

552
00:25:28,040 --> 00:25:29,600
Speaker 5: the other has greater knowledge.

553
00:25:29,640 --> 00:25:33,760
Speaker 2: Sure, yeah, interesting another story. Mother has dragged the family

554
00:25:33,800 --> 00:25:37,680
Speaker 2: through a financial muck for years, through bankruptcy and back,

555
00:25:37,800 --> 00:25:42,360
Speaker 2: and is again wasting her inheritance deleted from personal finances.

556
00:25:42,520 --> 00:25:46,080
Speaker 2: My mom is obsessed with horses. It's her childhood passion

557
00:25:46,280 --> 00:25:49,000
Speaker 2: and has for the past twenty years been trying to

558
00:25:49,040 --> 00:25:53,040
Speaker 2: make it big by breeding top class marissage horses. It

559
00:25:53,080 --> 00:25:55,880
Speaker 2: has failed in the past, is failing now and will

560
00:25:55,920 --> 00:25:59,000
Speaker 2: only continue to do so until the last drop of change.

561
00:25:59,040 --> 00:26:03,280
Speaker 2: In my father's post it has vanished. Bow If only

562
00:26:03,320 --> 00:26:05,719
Speaker 2: a horse obsession could be likened to the condition that

563
00:26:05,880 --> 00:26:08,680
Speaker 2: consumes a crazy cat lady, I could trug it off.

564
00:26:08,720 --> 00:26:11,679
Speaker 2: But the sordid fact remains that horses, at least the

565
00:26:11,680 --> 00:26:15,280
Speaker 2: brand she buys, generally cost upwards of ten K to

566
00:26:15,480 --> 00:26:18,760
Speaker 2: fifteen K, and one horse leads to two, two to

567
00:26:18,840 --> 00:26:22,040
Speaker 2: four and so on and so forth. And also just

568
00:26:22,200 --> 00:26:24,960
Speaker 2: horse maintenance, and the amount of space that you need

569
00:26:25,000 --> 00:26:26,960
Speaker 2: for horses is another you know.

570
00:26:27,080 --> 00:26:28,440
Speaker 4: I was like, they have a lot of horses.

571
00:26:28,480 --> 00:26:33,200
Speaker 2: Now, Yeah, she's fifty six, has no job, never held

572
00:26:33,200 --> 00:26:36,600
Speaker 2: a real career, and no prospects with her PhD in theology.

573
00:26:36,720 --> 00:26:39,680
Speaker 2: We've had our home foreclosed and moved five times. Since

574
00:26:39,720 --> 00:26:42,280
Speaker 2: two thousand and eight, in the ever fruitless attempt to

575
00:26:42,320 --> 00:26:46,200
Speaker 2: find rental property that suits her misguided four legged ambitions.

576
00:26:46,200 --> 00:26:49,320
Speaker 1: Hold on, now you teach theology to horses?

577
00:26:49,600 --> 00:26:53,359
Speaker 2: Yeah, business, business idea? Have we thought about that? My

578
00:26:53,560 --> 00:26:56,560
Speaker 2: father earns great money one hundred and forty thousand a

579
00:26:56,640 --> 00:26:59,359
Speaker 2: year as a software engineer in Silicon Valley for a

580
00:26:59,400 --> 00:27:02,639
Speaker 2: tech giant, and our family should never have needed to

581
00:27:02,720 --> 00:27:06,640
Speaker 2: worry about money. But he's toothless. I love him too,

582
00:27:07,000 --> 00:27:10,119
Speaker 2: so much, but he has never had the kahonas to

583
00:27:10,160 --> 00:27:13,480
Speaker 2: stand up to my deluded, money hungry mother and say no.

584
00:27:14,240 --> 00:27:17,240
Speaker 2: The most worrying of all, he is fifty five, has

585
00:27:17,280 --> 00:27:20,439
Speaker 2: no retirement savings, and as he comes from a poor family,

586
00:27:20,480 --> 00:27:23,919
Speaker 2: oversees no inheritance to count on. A year ago, my

587
00:27:24,040 --> 00:27:27,720
Speaker 2: maternal grandmother passed away and my mom inherited something in

588
00:27:27,760 --> 00:27:30,840
Speaker 2: the range of a million tallers. We had no money

589
00:27:30,880 --> 00:27:33,720
Speaker 2: at the time, and it seemed like a godsend. I

590
00:27:33,720 --> 00:27:35,000
Speaker 2: think I know where that money's going.

591
00:27:35,520 --> 00:27:36,280
Speaker 4: I have a feeling.

592
00:27:36,440 --> 00:27:39,000
Speaker 2: Yeah. I was a college student working twenty five hours

593
00:27:39,040 --> 00:27:41,520
Speaker 2: a week on top of an engineering course load to

594
00:27:41,560 --> 00:27:44,280
Speaker 2: pay for rent and food, and another brother of mine

595
00:27:44,320 --> 00:27:47,560
Speaker 2: was doing the same. I thought finally that some of

596
00:27:47,600 --> 00:27:51,639
Speaker 2: the weight of debt and financial stress would vanish. But oh,

597
00:27:51,800 --> 00:27:55,080
Speaker 2: I was so wrong. She took the money, sparing not

598
00:27:55,160 --> 00:27:57,679
Speaker 2: a dime, and bought a ranch for the horses, a

599
00:27:57,760 --> 00:28:01,640
Speaker 2: new Dodge truck and trailer, and purchased four new mayors

600
00:28:01,760 --> 00:28:04,760
Speaker 2: a female horse for breeding from Germany for at least

601
00:28:04,920 --> 00:28:09,320
Speaker 2: because I can only estimate eighty thousand dollars per horse,

602
00:28:09,560 --> 00:28:11,840
Speaker 2: or for that horse for well, that's a good Yeah,

603
00:28:11,920 --> 00:28:14,160
Speaker 2: I don't know. I hope for all four. I would

604
00:28:14,200 --> 00:28:14,880
Speaker 2: hope for all four.

605
00:28:15,000 --> 00:28:15,760
Speaker 4: I hope for all four.

606
00:28:16,119 --> 00:28:18,600
Speaker 2: She built a barn, a fence system, and with it

607
00:28:18,640 --> 00:28:21,840
Speaker 2: tossed away the last dime of her inheritance. But it's

608
00:28:21,880 --> 00:28:24,199
Speaker 2: not enough. She now needs more money to get the

609
00:28:24,200 --> 00:28:27,560
Speaker 2: farm running, and is again drawing it from my father,

610
00:28:27,720 --> 00:28:30,240
Speaker 2: who is trying to pay for my two brothers at

611
00:28:30,320 --> 00:28:34,440
Speaker 2: top universities. I've graduated and won't strain his wallet anymore.

612
00:28:34,600 --> 00:28:37,080
Speaker 2: I just don't understand what to do. I feel like

613
00:28:37,119 --> 00:28:39,640
Speaker 2: I should help my dad financially for my brother's sake,

614
00:28:39,760 --> 00:28:42,160
Speaker 2: but any extra money he has will go to my

615
00:28:42,200 --> 00:28:44,800
Speaker 2: mother and just disappear. I have a job and it's

616
00:28:44,840 --> 00:28:48,440
Speaker 2: stressful but challenging. And fantastic and pays well. So I

617
00:28:48,440 --> 00:28:50,719
Speaker 2: feel like I should help my dad, but I just

618
00:28:50,760 --> 00:28:53,600
Speaker 2: don't know what to do the horse business and its issues.

619
00:28:53,880 --> 00:28:56,480
Speaker 2: I work in management consulting, and it doesn't take long

620
00:28:56,520 --> 00:28:59,040
Speaker 2: to run the simple calculations that show the horse breeding

621
00:28:59,080 --> 00:29:02,280
Speaker 2: business model is flawed. She'll never make money off of it,

622
00:29:02,520 --> 00:29:06,360
Speaker 2: and we'll only balloon and risk and plummet in risk worthiness.

623
00:29:06,920 --> 00:29:10,680
Speaker 2: At best, assuming no veterinary complications, you can make six

624
00:29:10,880 --> 00:29:13,560
Speaker 2: thousand a year built on a base of assets worth

625
00:29:13,680 --> 00:29:16,520
Speaker 2: three hundred thousand. Just putting the money in the market.

626
00:29:16,680 --> 00:29:19,280
Speaker 2: Just a low risk mutual fund would return at a

627
00:29:19,320 --> 00:29:20,000
Speaker 2: better rate.

628
00:29:20,560 --> 00:29:24,200
Speaker 3: Yeah, we've actually got surendedy horse ranch in chat Whoo.

629
00:29:24,400 --> 00:29:26,480
Speaker 3: That's the best way to become a millionaire.

630
00:29:26,160 --> 00:29:28,160
Speaker 1: In horses is to start as a billionaire.

631
00:29:28,720 --> 00:29:31,640
Speaker 2: Yeah, I mean, you're just it's so much money to

632
00:29:31,720 --> 00:29:32,800
Speaker 2: spend on I.

633
00:29:32,720 --> 00:29:35,480
Speaker 4: Don't know how. I don't So it's a horse breeding business.

634
00:29:35,560 --> 00:29:36,880
Speaker 2: It's a horse breeding business.

635
00:29:37,000 --> 00:29:40,240
Speaker 5: There's some pretty expensive horses, but it seems like a

636
00:29:40,320 --> 00:29:42,800
Speaker 5: long time frame and turnaround.

637
00:29:43,040 --> 00:29:43,760
Speaker 4: Yeah, I would assume.

638
00:29:43,840 --> 00:29:46,600
Speaker 2: I mean, it takes a while for horses to grow.

639
00:29:47,120 --> 00:29:48,960
Speaker 4: Fall in love, Yeah, fall love.

640
00:29:48,960 --> 00:29:50,680
Speaker 2: You got to introduce a horse to each other, and

641
00:29:50,720 --> 00:29:53,240
Speaker 2: the kid just yeah, no, want to rush it. But

642
00:29:53,960 --> 00:29:56,280
Speaker 2: what are your thoughts that you can give to op?

643
00:29:57,120 --> 00:29:59,000
Speaker 5: Oh my god, I don't even know where to start.

644
00:29:59,040 --> 00:30:02,400
Speaker 5: So it sounds like the full inheritance that she got

645
00:30:02,680 --> 00:30:06,520
Speaker 5: is gone now, all gone from the horses, spent on

646
00:30:06,560 --> 00:30:09,280
Speaker 5: the horses, spent on the farm. Yeah, and so now

647
00:30:09,400 --> 00:30:12,600
Speaker 5: she's drawing even more from the dad.

648
00:30:12,920 --> 00:30:16,800
Speaker 2: Ope, he's dad, and I guess so he's wondering, do

649
00:30:17,200 --> 00:30:19,720
Speaker 2: you know, how do I help my dad? Should I

650
00:30:20,200 --> 00:30:23,880
Speaker 2: help give money? Like, what's what ways financially can I help?

651
00:30:24,040 --> 00:30:27,000
Speaker 5: I think it gets really it becomes a really really

652
00:30:27,040 --> 00:30:31,080
Speaker 5: slippery slope when you start giving money to someone who's

653
00:30:31,120 --> 00:30:32,840
Speaker 5: an extreme spender in this way.

654
00:30:33,040 --> 00:30:33,920
Speaker 4: Yeah, I mean not.

655
00:30:33,920 --> 00:30:36,440
Speaker 5: To be heartless, but at this point, you know, this

656
00:30:36,600 --> 00:30:39,479
Speaker 5: is really the parent's issue, and I know that this

657
00:30:39,560 --> 00:30:42,800
Speaker 5: person feels for their dad, but it's something that they're

658
00:30:42,880 --> 00:30:46,280
Speaker 5: ultimately going to need to solve. But another sad part

659
00:30:46,320 --> 00:30:48,520
Speaker 5: about it is a lot of times if you don't

660
00:30:48,640 --> 00:30:52,360
Speaker 5: check on your parents' financial plan or their finances in general,

661
00:30:52,600 --> 00:30:57,440
Speaker 5: their financial plan becomes your financial plan unfortunately. So I

662
00:30:57,520 --> 00:30:59,560
Speaker 5: do think that it's important, you know, if you do

663
00:30:59,680 --> 00:31:01,960
Speaker 5: have open communication with your with.

664
00:31:01,920 --> 00:31:05,160
Speaker 4: Your dad, with your mom, to be able to sit.

665
00:31:05,080 --> 00:31:08,360
Speaker 5: Down with them and talk about you know, hey, maybe

666
00:31:08,360 --> 00:31:11,040
Speaker 5: this horse business hasn't been going very well.

667
00:31:11,240 --> 00:31:13,640
Speaker 4: You know, you're fifty five, is that what he said?

668
00:31:13,920 --> 00:31:14,560
Speaker 4: Fifty five?

669
00:31:15,160 --> 00:31:19,480
Speaker 5: Yeah, Well, you're usually retiring around sixty five to seventy

670
00:31:19,840 --> 00:31:22,640
Speaker 5: five these days. You know, you're pretty close to retirement.

671
00:31:22,640 --> 00:31:24,760
Speaker 5: Maybe we should focus on things that we know are

672
00:31:24,800 --> 00:31:27,600
Speaker 5: going to provide for you in the future. You don't

673
00:31:27,680 --> 00:31:30,680
Speaker 5: want to be moving around and not have a home

674
00:31:30,760 --> 00:31:31,640
Speaker 5: at the time that, you know.

675
00:31:31,680 --> 00:31:32,840
Speaker 4: Just into retirement.

676
00:31:32,920 --> 00:31:34,880
Speaker 5: Just for horses, Yeah, I mean, I'm sure you could

677
00:31:34,920 --> 00:31:36,880
Speaker 5: sell the horses, but at that point the horses would

678
00:31:36,880 --> 00:31:37,480
Speaker 5: be how old?

679
00:31:37,560 --> 00:31:39,360
Speaker 4: How long do horses like, like forty years?

680
00:31:39,560 --> 00:31:41,920
Speaker 5: Oh yeah, they had a long time. You'd have to

681
00:31:41,920 --> 00:31:43,200
Speaker 5: sell the horses at that time.

682
00:31:43,600 --> 00:31:46,080
Speaker 2: Yeah, No, I think, yeah, it seems like it's not

683
00:31:46,320 --> 00:31:48,760
Speaker 2: the best situation. I was kind of thinking maybe in

684
00:31:48,800 --> 00:31:51,000
Speaker 2: a after you your thoughts about this, I was thinking,

685
00:31:51,240 --> 00:31:53,960
Speaker 2: if Op wanted to help his brothers, maybe directly giving

686
00:31:53,960 --> 00:31:56,200
Speaker 2: that money, yeah, rather than giving it to your dad,

687
00:31:56,240 --> 00:31:57,960
Speaker 2: who probably would give it to your mom.

688
00:31:58,200 --> 00:32:00,920
Speaker 5: Right, I think that if they have, if Obi has

689
00:32:01,040 --> 00:32:04,720
Speaker 5: the means to help the brother and the brother needs

690
00:32:04,760 --> 00:32:07,400
Speaker 5: funds to get through college, then that makes a little

691
00:32:07,400 --> 00:32:10,480
Speaker 5: bit more sense to me. Yeah, but I could also

692
00:32:10,560 --> 00:32:13,400
Speaker 5: see that then, being I don't know the mom coming

693
00:32:13,560 --> 00:32:15,000
Speaker 5: to them.

694
00:32:14,480 --> 00:32:18,640
Speaker 2: Yes erectly after that, Yeah, if she knows that they have.

695
00:32:18,600 --> 00:32:20,160
Speaker 4: That right exactly.

696
00:32:20,280 --> 00:32:21,440
Speaker 2: So slippery slope.

697
00:32:21,480 --> 00:32:22,840
Speaker 4: Slippery slope for sure.

698
00:32:23,520 --> 00:32:26,320
Speaker 2: But we have another story that we're going to get

699
00:32:26,320 --> 00:32:27,560
Speaker 2: into at the moment.

700
00:32:27,840 --> 00:32:30,040
Speaker 1: It's John Ogi host. Were gonna get back to the stories,

701
00:32:30,080 --> 00:32:32,160
Speaker 1: but a quick free minute break of ads from our sponsors.

702
00:32:32,640 --> 00:32:35,400
Speaker 2: I live full time on a cruise and managed to

703
00:32:35,400 --> 00:32:36,000
Speaker 2: save money.

704
00:32:36,240 --> 00:32:37,720
Speaker 4: I mean that sounds like the life.

705
00:32:37,960 --> 00:32:41,640
Speaker 2: Hey five am, I want to share a little experiment

706
00:32:41,680 --> 00:32:44,400
Speaker 2: I've been doing that might sound crazy at first, but

707
00:32:44,480 --> 00:32:47,040
Speaker 2: hear me out. It's been a game changer. A few

708
00:32:47,080 --> 00:32:50,360
Speaker 2: months ago, I decided to give up my overpriced apartment

709
00:32:50,480 --> 00:32:53,760
Speaker 2: and start living full time on a cruise ship. Yep,

710
00:32:53,920 --> 00:32:57,000
Speaker 2: you read that right, And spoiler alert, it's been cheaper

711
00:32:57,040 --> 00:32:59,600
Speaker 2: than renting in a high cost of living city like

712
00:32:59,680 --> 00:33:03,360
Speaker 2: Boston or New York and honestly way more fun. By

713
00:33:03,400 --> 00:33:06,040
Speaker 2: the way, this comes from The Hungry Ninja eighteen o nine,

714
00:33:06,080 --> 00:33:07,720
Speaker 2: and if you want to smit your own stories, go

715
00:33:07,760 --> 00:33:09,600
Speaker 2: to the r slash Okay storytime subpard it.

716
00:33:09,760 --> 00:33:12,040
Speaker 4: I'm Sophia, and I'm Mia and.

717
00:33:12,000 --> 00:33:14,280
Speaker 3: I'm Dakota, and we do have a special guest, Mia

718
00:33:14,280 --> 00:33:15,640
Speaker 3: Sampson with us here today.

719
00:33:16,280 --> 00:33:18,240
Speaker 1: Mia, go ahead and introduce yourself.

720
00:33:18,360 --> 00:33:19,360
Speaker 4: Yeah, Hi, I'm Mia.

721
00:33:19,600 --> 00:33:23,360
Speaker 5: I'm a financial advisor here in LA I work with

722
00:33:23,400 --> 00:33:26,440
Speaker 5: a lot of women, a lot of entrepreneurs, tech investors,

723
00:33:26,520 --> 00:33:30,520
Speaker 5: people in healthcare just really to all the whole financial pictures,

724
00:33:30,560 --> 00:33:33,640
Speaker 5: so helping them with investing, budgeting, hold line and.

725
00:33:33,560 --> 00:33:36,000
Speaker 2: We're gonna help OpEd today. Let me walk you through

726
00:33:36,040 --> 00:33:38,360
Speaker 2: how this all started, so Zobie, why I did it,

727
00:33:38,440 --> 00:33:41,040
Speaker 2: and what the experience has been like. I live or

728
00:33:41,200 --> 00:33:43,640
Speaker 2: used to live in Boston, where rent for a decent

729
00:33:43,760 --> 00:33:46,840
Speaker 2: one bedroom apartment is around thirty five hundred dollars per month,

730
00:33:46,960 --> 00:33:50,800
Speaker 2: add in utilities, groceries, gym memberships, and entertainment, and I

731
00:33:50,960 --> 00:33:55,160
Speaker 2: was easily spending forty five hundred dollars plus per month.

732
00:33:55,360 --> 00:33:59,200
Speaker 2: It was a lot, especially since I'm aggressively saving for fire.

733
00:33:59,560 --> 00:34:03,280
Speaker 4: What is that financial independence? Retire early?

734
00:34:04,080 --> 00:34:06,360
Speaker 5: It's a big thing where people put a lot of

735
00:34:06,360 --> 00:34:08,720
Speaker 5: money away so that they can retire stoner.

736
00:34:08,840 --> 00:34:11,400
Speaker 2: I thought it was like a concert or something and

737
00:34:11,440 --> 00:34:13,840
Speaker 2: they were just really aggressively saving for this.

738
00:34:14,080 --> 00:34:16,640
Speaker 6: I really want to go to the fire. I've got

739
00:34:16,640 --> 00:34:19,960
Speaker 6: to go to see all of the fire. Okay, that

740
00:34:20,080 --> 00:34:22,600
Speaker 6: makes a lot more sense. One day I came across

741
00:34:22,640 --> 00:34:24,839
Speaker 6: an article about someone who lived on a cruise ship

742
00:34:24,880 --> 00:34:27,080
Speaker 6: full time, and it got me thinking. I crunched the

743
00:34:27,160 --> 00:34:30,200
Speaker 6: numbers and realized a budget or mid tier cruise could

744
00:34:30,200 --> 00:34:33,440
Speaker 6: cost me two thousand dollars to four thousand dollars per month,

745
00:34:33,680 --> 00:34:37,960
Speaker 6: including housing, food, and entertainment. It sounded insane at first,

746
00:34:38,200 --> 00:34:39,400
Speaker 6: but I decided.

747
00:34:39,000 --> 00:34:41,200
Speaker 2: To give it a shot. I started with month long

748
00:34:41,280 --> 00:34:44,200
Speaker 2: cruise in the Caribbean to test the waters pun intended.

749
00:34:44,360 --> 00:34:47,360
Speaker 2: I booked an interior cabin on a budget friendly cruise

750
00:34:47,400 --> 00:34:51,239
Speaker 2: line for around two thousand dollars. That price included a

751
00:34:51,280 --> 00:34:55,080
Speaker 2: private cabin way cozier than my apartment, unlimited meals from

752
00:34:55,120 --> 00:34:59,080
Speaker 2: buffets to sit down dinners, entertainment every night, live music,

753
00:34:59,200 --> 00:35:03,719
Speaker 2: Broadway style shows, pool side movies, you name it. Utilities

754
00:35:03,800 --> 00:35:06,960
Speaker 2: like electricity, heating, and even basic WiFi. By the end

755
00:35:07,000 --> 00:35:09,720
Speaker 2: of the month, I was hooked. It wasn't just a vacation.

756
00:35:10,000 --> 00:35:13,760
Speaker 2: It felt like a lifestyle upgrade. I extended my stay

757
00:35:13,760 --> 00:35:16,719
Speaker 2: and I've been living at sea ever since. Honestly, my

758
00:35:16,840 --> 00:35:18,480
Speaker 2: first question is who are your friends?

759
00:35:18,640 --> 00:35:22,160
Speaker 4: I mean you make new friends every week. Yeah, the

760
00:35:22,200 --> 00:35:23,160
Speaker 4: crew members.

761
00:35:22,880 --> 00:35:24,960
Speaker 2: I guess, yeah, the crew member. But do the crew

762
00:35:25,000 --> 00:35:26,120
Speaker 2: member is like yeah, I guess.

763
00:35:26,160 --> 00:35:28,279
Speaker 4: Do they want to be friends with you? Were they

764
00:35:28,400 --> 00:35:29,520
Speaker 4: forced to be friends with you?

765
00:35:29,840 --> 00:35:29,920
Speaker 5: Like?

766
00:35:29,960 --> 00:35:33,760
Speaker 2: Ah, this is o piece never leaving? Yeah?

767
00:35:33,840 --> 00:35:35,919
Speaker 4: I'm not sure? And how long has this been going

768
00:35:35,960 --> 00:35:36,399
Speaker 4: on for?

769
00:35:36,880 --> 00:35:40,439
Speaker 2: It seems a few months wild a few months. It's

770
00:35:40,520 --> 00:35:44,120
Speaker 2: better than renting because it's cheaper than my apartment. My

771
00:35:44,200 --> 00:35:46,080
Speaker 2: all in costs for a month and the cruise were

772
00:35:46,080 --> 00:35:49,320
Speaker 2: twenty five hundred dollars including gratulities and a few drinks.

773
00:35:49,480 --> 00:35:52,239
Speaker 2: Compare that to forty five hundred dollars plus for city living,

774
00:35:52,440 --> 00:35:55,200
Speaker 2: and I'm saving at least two thousand dollars per month.

775
00:35:55,400 --> 00:35:58,880
Speaker 2: No grocery bills. Imagine eating every meal at a restaurant

776
00:35:58,920 --> 00:36:01,480
Speaker 2: without ever worrying about the bill. I hate that. I

777
00:36:01,520 --> 00:36:02,800
Speaker 2: don't I like cooking.

778
00:36:02,800 --> 00:36:06,000
Speaker 5: I'm gonna say sometimes, yeah, but I'm horrible at cooking,

779
00:36:06,040 --> 00:36:09,080
Speaker 5: so okay, see okay, yeah, yeah I like that part.

780
00:36:09,320 --> 00:36:12,200
Speaker 2: That's my reality now, from omelets in the morning to

781
00:36:12,360 --> 00:36:16,239
Speaker 2: steak dinners at night. The food is amazing and unlimited

782
00:36:16,360 --> 00:36:19,800
Speaker 2: built in entertainment. But get Netflix. I get live shows,

783
00:36:19,880 --> 00:36:24,439
Speaker 2: comedy acts, karaoke nights, and pool parties every day. There's

784
00:36:24,480 --> 00:36:27,600
Speaker 2: no such thing as boredom on a Cruz. Travel included

785
00:36:27,760 --> 00:36:31,480
Speaker 2: my home docs in new destinations every few days. So far,

786
00:36:31,560 --> 00:36:34,840
Speaker 2: I've been to Mexico, Jamaica and the Bamas, all without

787
00:36:34,880 --> 00:36:39,600
Speaker 2: paying for flights or hotels. No chores. Ever, I don't clean, cook,

788
00:36:39,719 --> 00:36:42,360
Speaker 2: or even make my bed. The crew takes care of everything,

789
00:36:42,480 --> 00:36:45,480
Speaker 2: giving me so much more free time to work on hobbies, read,

790
00:36:45,719 --> 00:36:47,600
Speaker 2: or just relax. What's your job?

791
00:36:47,920 --> 00:36:49,040
Speaker 4: That's what I'm wondering.

792
00:36:49,200 --> 00:36:52,400
Speaker 2: What's your job? It has to be something that's you know,

793
00:36:52,680 --> 00:36:53,839
Speaker 2: you're able to travel with.

794
00:36:53,880 --> 00:36:56,520
Speaker 5: I mean, you're definitely working remote in this sense. But

795
00:36:57,040 --> 00:36:59,560
Speaker 5: also if you're going to all these places, are you

796
00:36:59,560 --> 00:37:01,080
Speaker 5: getting off the boater or do you just have to

797
00:37:01,080 --> 00:37:01,960
Speaker 5: work the whole time?

798
00:37:02,040 --> 00:37:04,200
Speaker 2: It seems like op He's getting off the boat to

799
00:37:04,320 --> 00:37:07,239
Speaker 2: travel and see these places, so I'm bad. Yeah, what

800
00:37:07,400 --> 00:37:10,280
Speaker 2: is your job that allows you that? I don't honestly

801
00:37:10,360 --> 00:37:13,319
Speaker 2: care so much about the perks of the cruise. I

802
00:37:13,360 --> 00:37:14,759
Speaker 2: just want to know what your chop is.

803
00:37:14,920 --> 00:37:17,960
Speaker 3: My guess would be day trader. I'm guessing. I'm guessing

804
00:37:18,000 --> 00:37:19,240
Speaker 3: it's trading because.

805
00:37:19,760 --> 00:37:24,200
Speaker 5: Internet could be that, but I couldn't imagine that Internet

806
00:37:24,200 --> 00:37:25,880
Speaker 5: would be fast enough on a cruise.

807
00:37:25,920 --> 00:37:26,760
Speaker 4: Four day trading.

808
00:37:26,880 --> 00:37:29,640
Speaker 2: Yeah, I mean you can depend Internet, but like it's not.

809
00:37:29,760 --> 00:37:30,600
Speaker 4: I don't know if it's gonna be.

810
00:37:30,840 --> 00:37:33,960
Speaker 2: Are they doing zoom calls? It's a good question just

811
00:37:34,000 --> 00:37:37,600
Speaker 2: from just like do you know, yeah, ah, let me call.

812
00:37:38,200 --> 00:37:41,200
Speaker 2: Here's a quick breakdown of my monthly cost compared to

813
00:37:41,239 --> 00:37:44,439
Speaker 2: my old apartment rent thirty five hundred dollars on land

814
00:37:44,640 --> 00:37:48,600
Speaker 2: versus zero dollars on a cruise. That's not true.

815
00:37:48,640 --> 00:37:49,799
Speaker 4: I mean like the cost of the curve.

816
00:37:49,880 --> 00:37:52,799
Speaker 2: This is the cruise utilities two hundred dollars on land

817
00:37:53,000 --> 00:37:57,120
Speaker 2: versus zero dollars on a cruise. Groceries six hundred dollars

818
00:37:57,160 --> 00:38:01,200
Speaker 2: on land versus zero dollars on a crew. Entertainment two

819
00:38:01,320 --> 00:38:04,800
Speaker 2: hundred dollars on land versus zero dollars on a cruise.

820
00:38:05,120 --> 00:38:08,800
Speaker 2: Cruise fairs zero dollars on land versus twenty five hundred

821
00:38:08,880 --> 00:38:12,200
Speaker 2: dollars on a cruise. You're spending two hundred dollars a

822
00:38:12,320 --> 00:38:14,920
Speaker 2: month on entertainment at on land.

823
00:38:15,200 --> 00:38:19,319
Speaker 5: Between subscriptions. I guess, I mean like ten dollars. It

824
00:38:19,360 --> 00:38:22,840
Speaker 5: depends on what you're categorizing as entertainment too. You know,

825
00:38:22,920 --> 00:38:25,319
Speaker 5: are you going to boovies? Are you going to a

826
00:38:25,360 --> 00:38:26,840
Speaker 5: small concert every month?

827
00:38:27,000 --> 00:38:30,240
Speaker 2: That's true, that could Yeah, total forty five hundred dollars

828
00:38:30,280 --> 00:38:33,200
Speaker 2: per month on land versus twenty five hundred dollars per

829
00:38:33,239 --> 00:38:37,040
Speaker 2: month on a cruise. I'm saving twenty four thousand dollars

830
00:38:37,040 --> 00:38:39,279
Speaker 2: per year while living a life that feels like a

831
00:38:39,320 --> 00:38:43,000
Speaker 2: permanent vacation. Well, I'm happy for you. Is it for everyone?

832
00:38:43,080 --> 00:38:46,000
Speaker 2: Probably not? But if you're flexible with work, I'm remote,

833
00:38:46,120 --> 00:38:49,000
Speaker 2: enjoy traveling and don't mind cozying up in a small cabin,

834
00:38:49,160 --> 00:38:52,080
Speaker 2: it's worth trying. Some things to keep in mind. Why fi.

835
00:38:52,840 --> 00:38:55,040
Speaker 2: It's not lightning fast, but it works for emails and

836
00:38:55,120 --> 00:38:59,200
Speaker 2: basic browsing. Sea sickness I've adjusted, but dramamine is your

837
00:38:59,239 --> 00:39:03,080
Speaker 2: best friend. Laundry. Some cruises have self service laundry or

838
00:39:03,200 --> 00:39:06,680
Speaker 2: full service for a fee, and there are some comments.

839
00:39:06,719 --> 00:39:09,759
Speaker 2: But do you have any thoughts about Ope's eccentric lifestyle.

840
00:39:10,000 --> 00:39:12,520
Speaker 5: I mean it does sound great, and even if you

841
00:39:12,640 --> 00:39:14,640
Speaker 5: do it for a year.

842
00:39:14,600 --> 00:39:17,200
Speaker 4: You know, you save twenty four thousand dollars.

843
00:39:16,880 --> 00:39:20,120
Speaker 2: And you trap to a bunch of places, right, Yeah.

844
00:39:20,200 --> 00:39:22,759
Speaker 5: I think that there's a lot of situations where it

845
00:39:22,800 --> 00:39:24,799
Speaker 5: couldn't work, you know, if you know you have a

846
00:39:24,840 --> 00:39:28,719
Speaker 5: specific job, Yeah, and they're not game for doing this,

847
00:39:29,080 --> 00:39:31,600
Speaker 5: or they don't have a job that's conducive with it.

848
00:39:32,000 --> 00:39:32,719
Speaker 4: I feel like I.

849
00:39:32,640 --> 00:39:35,319
Speaker 5: Would end up off of the boat and not want

850
00:39:35,360 --> 00:39:38,080
Speaker 5: to be working, and I would somehow end up spending

851
00:39:38,120 --> 00:39:40,640
Speaker 5: money on at these different locations exactly.

852
00:39:40,719 --> 00:39:43,360
Speaker 2: Yeah, wanting to like explore the options and stuff.

853
00:39:43,560 --> 00:39:45,600
Speaker 5: I mean, the thing with the fire lifestyle is you're

854
00:39:45,880 --> 00:39:49,840
Speaker 5: very mindful of your spending, so they probably aren't doing that.

855
00:39:50,080 --> 00:39:52,120
Speaker 4: But I guess I'm just thinking about it.

856
00:39:52,160 --> 00:39:56,960
Speaker 5: Of Even when I've done you know, very budget friendly trip, yeah,

857
00:39:57,080 --> 00:39:58,240
Speaker 5: I always go out.

858
00:39:58,080 --> 00:40:01,480
Speaker 4: Somewhere, you know, some sort of adventure. Same.

859
00:40:01,640 --> 00:40:04,319
Speaker 2: Yeah, I mean that's what I traveled about. Like two

860
00:40:04,400 --> 00:40:06,080
Speaker 2: years ago, I went on like a three month backpacking

861
00:40:06,080 --> 00:40:08,960
Speaker 2: trip with friends and yeah, and I was budgeting super hard.

862
00:40:08,960 --> 00:40:11,040
Speaker 2: But even then, like, there are still some nights where

863
00:40:11,040 --> 00:40:13,200
Speaker 2: you're spending a little bit more, yeah, or just you

864
00:40:13,280 --> 00:40:17,280
Speaker 2: get you know, random expenses that you weren't expecting.

865
00:40:17,480 --> 00:40:17,960
Speaker 4: Definitely.

866
00:40:18,120 --> 00:40:20,399
Speaker 5: Yeah, I'm still kind of confused about the laundry part,

867
00:40:20,480 --> 00:40:21,080
Speaker 5: not that that's a.

868
00:40:21,080 --> 00:40:23,480
Speaker 2: Big I think they were just saying like it's not

869
00:40:23,800 --> 00:40:26,000
Speaker 2: always included that kind of you might have to pay

870
00:40:26,000 --> 00:40:26,480
Speaker 2: a fee.

871
00:40:26,320 --> 00:40:28,560
Speaker 4: But they do. But the cruise ship does it for.

872
00:40:28,600 --> 00:40:32,160
Speaker 2: Yeah yeah, yeah, yeah, but it could be expensive because

873
00:40:32,320 --> 00:40:34,680
Speaker 2: I stayed at a hotel when I was actually traveling.

874
00:40:34,760 --> 00:40:36,880
Speaker 2: My friend's parents had like a bunch of points for

875
00:40:37,120 --> 00:40:39,160
Speaker 2: like a five star hotel in Rome. Yeah, you stayed

876
00:40:39,160 --> 00:40:41,200
Speaker 2: at this really nice hotel and it was expensive. Did

877
00:40:41,200 --> 00:40:43,520
Speaker 2: the laundry there? Oh? I like for a piece of

878
00:40:43,600 --> 00:40:46,800
Speaker 2: laundry right? Just crazy? So we took it to a

879
00:40:46,880 --> 00:40:47,480
Speaker 2: laundry map.

880
00:40:47,640 --> 00:40:50,239
Speaker 5: And I mean this goes back to how long you

881
00:40:50,239 --> 00:40:52,719
Speaker 5: can do it for. I mean, yeah, again a year,

882
00:40:52,920 --> 00:40:56,000
Speaker 5: saving twenty four thousand more than you would have before

883
00:40:56,400 --> 00:40:59,200
Speaker 5: is a huge step. But you know, are you planning

884
00:40:59,239 --> 00:41:00,959
Speaker 5: to continue this for a long time?

885
00:41:01,120 --> 00:41:04,920
Speaker 2: Yeah? I personally would. I just would miss my friends

886
00:41:05,120 --> 00:41:07,520
Speaker 2: and definitely, But it seems like OP is less attached

887
00:41:08,040 --> 00:41:10,799
Speaker 2: than I think like a lot of people, right or

888
00:41:10,880 --> 00:41:13,520
Speaker 2: some people, But it works for OP and that's all

889
00:41:13,520 --> 00:41:16,279
Speaker 2: that matters. Common one says there are retirees who do

890
00:41:16,360 --> 00:41:18,880
Speaker 2: this basically live on a ship until they pass away.

891
00:41:19,120 --> 00:41:22,319
Speaker 2: OP says, Yeah, they're called deck dwellers. My favorite term

892
00:41:22,400 --> 00:41:26,520
Speaker 2: is Margeritaville nomads. I like that common two says, So

893
00:41:26,560 --> 00:41:28,640
Speaker 2: you tried it for a month, then while on that cruise,

894
00:41:28,640 --> 00:41:31,319
Speaker 2: found another leaving from the same place, or did you

895
00:41:31,360 --> 00:41:34,440
Speaker 2: have to get a new embarkation location. You have not

896
00:41:34,520 --> 00:41:36,759
Speaker 2: gone through the busy time, So what is your fallback

897
00:41:36,840 --> 00:41:39,400
Speaker 2: if there are no cheap cruises available? What did you

898
00:41:39,400 --> 00:41:41,560
Speaker 2: do with your stuff? If it's in storage? How much

899
00:41:41,600 --> 00:41:44,160
Speaker 2: did that cost? Since you're working remotely, I take it

900
00:41:44,239 --> 00:41:47,080
Speaker 2: the internet is okay, Op says. I'm planning to do

901
00:41:47,160 --> 00:41:49,480
Speaker 2: this out of Miami since it's a major hub for

902
00:41:49,640 --> 00:41:53,759
Speaker 2: budget friendly cruise lines like Carnival Royal Caribbean MSc. These

903
00:41:53,800 --> 00:41:57,160
Speaker 2: lines have constant sailings from Miami, so my plan is

904
00:41:57,200 --> 00:42:00,640
Speaker 2: to schedule itineraries that align when one cruise I can

905
00:42:00,680 --> 00:42:03,640
Speaker 2: disembark in the morning and reboard another ship that same

906
00:42:03,719 --> 00:42:06,239
Speaker 2: day or shortly after. So, yeah, you do lose your

907
00:42:06,280 --> 00:42:07,280
Speaker 2: cruise ship friends.

908
00:42:07,600 --> 00:42:10,160
Speaker 4: Yeah, oh right, because you're going on a new cruise. Yeah.

909
00:42:10,200 --> 00:42:11,800
Speaker 4: They got to make new friends every week.

910
00:42:11,960 --> 00:42:12,240
Speaker 2: Yeah.

911
00:42:12,320 --> 00:42:14,879
Speaker 5: I guess it's not too different from backpackaging, where you're

912
00:42:14,880 --> 00:42:17,799
Speaker 5: going place to place. They make friends at your new hostels.

913
00:42:17,920 --> 00:42:20,680
Speaker 2: Yeah, which is fun. Yeah, maybe you can get one

914
00:42:20,680 --> 00:42:22,960
Speaker 2: of them to come with you exactly the Jack dweller.

915
00:42:23,280 --> 00:42:26,320
Speaker 2: Since Miami is so busy with cruise traffic, it seems

916
00:42:26,360 --> 00:42:28,880
Speaker 2: like the perfect port to make this work without much hassle.

917
00:42:29,080 --> 00:42:31,120
Speaker 2: With a little planning, I think it'll be easy to

918
00:42:31,200 --> 00:42:34,440
Speaker 2: keep bouncing between cruises. Internet is fine enough to do

919
00:42:34,480 --> 00:42:36,439
Speaker 2: the type of work that I do. Common three says

920
00:42:36,480 --> 00:42:39,800
Speaker 2: out of curiosity, what work do you do? OHP says

921
00:42:39,920 --> 00:42:43,120
Speaker 2: I have a fully remote job with a very flexible

922
00:42:43,160 --> 00:42:46,160
Speaker 2: schedule in sales, so I can do my calls whenever

923
00:42:46,200 --> 00:42:48,920
Speaker 2: it fits my schedule, so long as I hit my targets.

924
00:42:49,200 --> 00:42:51,880
Speaker 2: We have two weekly meetings Monday and Friday to check in,

925
00:42:52,120 --> 00:42:54,640
Speaker 2: but those are easy to plan around. Reply says, the

926
00:42:54,640 --> 00:42:57,080
Speaker 2: only time I've taken a cruise as an adult, there

927
00:42:57,200 --> 00:42:59,960
Speaker 2: was a clear expectation from a large number of staff

928
00:43:00,160 --> 00:43:03,680
Speaker 2: members that I'd be tipping them. This added significantly to

929
00:43:03,719 --> 00:43:06,200
Speaker 2: the cost of the cruise, but it doesn't seem to

930
00:43:06,200 --> 00:43:08,839
Speaker 2: be in your costs. How do you handle tipping? Op

931
00:43:09,040 --> 00:43:12,879
Speaker 2: says Tipping is definitely something to consider that it's pretty straightforward.

932
00:43:12,960 --> 00:43:16,680
Speaker 2: Most cruise lines charge automatic cratuities, which are about fourteen

933
00:43:16,719 --> 00:43:19,560
Speaker 2: to twenty dollars per person per day and cover the

934
00:43:19,560 --> 00:43:23,280
Speaker 2: staff who make your stay amazing, housekeeping, dining, et cetera.

935
00:43:23,440 --> 00:43:25,680
Speaker 2: For a month long cruise, that adds up to around

936
00:43:25,760 --> 00:43:28,880
Speaker 2: four hundred and twenty to six hundred dollars. While that

937
00:43:29,000 --> 00:43:31,600
Speaker 2: might seem like a lot, it's already factored into my

938
00:43:31,640 --> 00:43:34,400
Speaker 2: twenty five hundred dollars monthly budget class. When you compare

939
00:43:34,440 --> 00:43:38,440
Speaker 2: it to what I was tipping on land restaurants, delivery drivers,

940
00:43:38,520 --> 00:43:42,080
Speaker 2: et cetera, it's not much different, just consolidated into one feet.

941
00:43:42,280 --> 00:43:45,200
Speaker 2: Some lines even let you pre pay cratuities, which makes

942
00:43:45,200 --> 00:43:46,120
Speaker 2: it easier to plan.

943
00:43:46,440 --> 00:43:50,879
Speaker 3: I just started hearing everything op saying in a pirate voice.

944
00:43:51,320 --> 00:43:54,040
Speaker 2: Yeah they've been on it so long that they yeah

945
00:43:54,080 --> 00:43:57,520
Speaker 2: they've been are yeah they pirate, They now are a pirate.

946
00:43:57,719 --> 00:43:58,560
Speaker 2: Yeah yeah.

947
00:43:58,680 --> 00:44:00,839
Speaker 1: That's how you compare it to tip God lend. It's

948
00:44:00,880 --> 00:44:02,000
Speaker 1: relatively the same.

949
00:44:02,440 --> 00:44:03,720
Speaker 4: That's a good pirate voice.

950
00:44:03,840 --> 00:44:06,200
Speaker 1: Thank you, thank you. It's nice to get some RECOGNI

951
00:44:06,280 --> 00:44:07,200
Speaker 1: thank you God.

952
00:44:07,880 --> 00:44:10,239
Speaker 2: Com and four says this is amazing. I did some

953
00:44:10,280 --> 00:44:12,520
Speaker 2: research on this a few years back and likely read

954
00:44:12,520 --> 00:44:15,239
Speaker 2: the same articles and saw the same YouTubers, But you've

955
00:44:15,239 --> 00:44:17,680
Speaker 2: added a lot of extra color to this. At some point,

956
00:44:17,719 --> 00:44:19,400
Speaker 2: I'm going to give it the one month try like

957
00:44:19,440 --> 00:44:22,319
Speaker 2: you're doing. I'm gonna do this, but instead of cruises,

958
00:44:22,480 --> 00:44:24,719
Speaker 2: I'm gonna go to a ren Fair and just live there.

959
00:44:25,000 --> 00:44:27,120
Speaker 2: I love that, Yeah, because they have one in Texas,

960
00:44:27,120 --> 00:44:30,040
Speaker 2: which is just it's the biggest rent fair I think

961
00:44:30,040 --> 00:44:32,120
Speaker 2: in the world, and I'm just gonna live there forever.

962
00:44:32,280 --> 00:44:34,080
Speaker 4: Does it go on for a month? I think it

963
00:44:34,120 --> 00:44:34,760
Speaker 4: goes on forever.

964
00:44:34,960 --> 00:44:37,440
Speaker 3: You'd have to become a ren Fair influencer, you know,

965
00:44:37,920 --> 00:44:40,719
Speaker 3: I could, Yeah, But then does that take away the

966
00:44:40,840 --> 00:44:41,719
Speaker 3: fun of it?

967
00:44:41,719 --> 00:44:43,680
Speaker 2: It becomes your job or it could just be a

968
00:44:44,040 --> 00:44:44,480
Speaker 2: you live.

969
00:44:44,320 --> 00:44:47,360
Speaker 1: In your own prison of your own design.

970
00:44:48,120 --> 00:44:51,320
Speaker 2: No. By the way, have you looked at repositioning cruises?

971
00:44:51,520 --> 00:44:53,759
Speaker 2: These cruises tend to be cheap as they are many

972
00:44:53,840 --> 00:44:55,960
Speaker 2: days out at sea and they travel far. Might be

973
00:44:56,000 --> 00:44:58,200
Speaker 2: a good way to potentially cut down on the expenses

974
00:44:58,239 --> 00:45:01,440
Speaker 2: as well cut down more. You could always save more.

975
00:45:01,960 --> 00:45:05,320
Speaker 2: Or are you constrained to being in a specific time zone?

976
00:45:05,400 --> 00:45:08,480
Speaker 2: And we've got one more common from OPA, which I'll

977
00:45:08,520 --> 00:45:11,520
Speaker 2: read Op says regarding time zones, good question to keep

978
00:45:11,560 --> 00:45:13,880
Speaker 2: things simple. I stick to cruises that operate in the

979
00:45:13,880 --> 00:45:16,759
Speaker 2: same time zone. For example, I'll bounce between cruises that

980
00:45:16,800 --> 00:45:19,799
Speaker 2: depart from the same port, like Miami or Fort Lauderdale,

981
00:45:19,880 --> 00:45:23,080
Speaker 2: and focus on itineraries in the Caribbean or nearby regions.

982
00:45:23,280 --> 00:45:26,399
Speaker 2: I plan the itineraries carefully so they line up. One

983
00:45:26,440 --> 00:45:29,319
Speaker 2: cruise ends and the next one starts shortly after. This way,

984
00:45:29,360 --> 00:45:31,400
Speaker 2: I don't have to worry about adjusting mike work hours

985
00:45:31,440 --> 00:45:33,640
Speaker 2: too much, and I still get to enjoy a variety

986
00:45:33,680 --> 00:45:37,520
Speaker 2: of destinations without jumping between drastically different time zones. Takes

987
00:45:37,520 --> 00:45:40,319
Speaker 2: a bit of planning, but it's totally manageable. And that

988
00:45:40,560 --> 00:45:44,319
Speaker 2: is the end of that story that advertised living on

989
00:45:44,360 --> 00:45:47,040
Speaker 2: a cruise. Do you have any thoughts about cruise living

990
00:45:47,400 --> 00:45:50,200
Speaker 2: or just how to save money in a way that's

991
00:45:50,280 --> 00:45:52,080
Speaker 2: not living on a cruise in a way that's not

992
00:45:52,200 --> 00:45:52,879
Speaker 2: living on a cruise.

993
00:45:52,920 --> 00:45:55,920
Speaker 5: I think one of the best ways to save money

994
00:45:56,000 --> 00:45:57,840
Speaker 5: is to be aware of your budget and be aware

995
00:45:57,880 --> 00:45:59,320
Speaker 5: of where you're spending the money.

996
00:45:59,360 --> 00:46:00,600
Speaker 4: So I think it's arts there.

997
00:46:00,960 --> 00:46:04,719
Speaker 5: You know, housing expenses said in the beginning, or very high,

998
00:46:04,719 --> 00:46:07,000
Speaker 5: which makes sense because she was in Boston or New

999
00:46:07,080 --> 00:46:10,560
Speaker 5: York or something like that. You know, comparable to you know,

1000
00:46:10,600 --> 00:46:13,600
Speaker 5: how we are in LA. It's expensive, but you usually

1001
00:46:13,640 --> 00:46:16,600
Speaker 5: still want to keep your housing expenses if you can

1002
00:46:16,800 --> 00:46:20,400
Speaker 5: under thirty percent of your gross income so your income

1003
00:46:20,440 --> 00:46:23,360
Speaker 5: before taxes, and going over that, it means that you

1004
00:46:23,480 --> 00:46:26,520
Speaker 5: have to make compromises in other parts of your budget.

1005
00:46:26,800 --> 00:46:27,040
Speaker 4: Yeah.

1006
00:46:27,040 --> 00:46:31,360
Speaker 5: And then the other part of just good savings, I

1007
00:46:31,360 --> 00:46:34,600
Speaker 5: guess habits or you know, starting with saving at the

1008
00:46:34,600 --> 00:46:35,279
Speaker 5: beginning of the month.

1009
00:46:35,320 --> 00:46:36,720
Speaker 4: So it's called pay yourself first.

1010
00:46:36,920 --> 00:46:39,840
Speaker 5: And rather than you know, spending what you spend and

1011
00:46:39,920 --> 00:46:42,200
Speaker 5: trying to save what you have left over, it's being

1012
00:46:42,239 --> 00:46:45,399
Speaker 5: intentional about your savings. You know, I'm saving to buy

1013
00:46:45,400 --> 00:46:48,279
Speaker 5: a house in five years and I'm going to need

1014
00:46:48,320 --> 00:46:50,719
Speaker 5: a two hundred thousand dollars down payment. How much do

1015
00:46:50,760 --> 00:46:52,640
Speaker 5: I need to save every single month to get to

1016
00:46:52,680 --> 00:46:55,680
Speaker 5: that and instead making it almost like it's a bill

1017
00:46:55,880 --> 00:46:57,560
Speaker 5: rather than being an afterthought.

1018
00:46:57,760 --> 00:47:01,279
Speaker 2: Yeah, yeah, great answers. So you don't have to live

1019
00:47:01,320 --> 00:47:04,240
Speaker 2: on a cruise, No, there are other ways.

1020
00:47:04,280 --> 00:47:05,200
Speaker 4: But it might be for you.

1021
00:47:05,520 --> 00:47:09,840
Speaker 5: But you might want Margueritaville nomad. That might be your lifestyle,

1022
00:47:09,960 --> 00:47:12,880
Speaker 5: that might be your calling, your vocation. But we do

1023
00:47:12,960 --> 00:47:14,839
Speaker 5: have another story coming up, Yes, we do.

1024
00:47:15,160 --> 00:47:17,200
Speaker 1: Yay, hey John Ogi host here.

1025
00:47:17,239 --> 00:47:19,120
Speaker 3: We're gonna get back to this episode, but a quick

1026
00:47:19,160 --> 00:47:21,200
Speaker 3: three minute break of ads from a sponsor's keeping the

1027
00:47:21,200 --> 00:47:21,720
Speaker 3: show alive.

1028
00:47:22,440 --> 00:47:26,239
Speaker 2: I got my girlfriend pregnant before college, and now I

1029
00:47:26,280 --> 00:47:27,160
Speaker 2: don't know what to do.

1030
00:47:27,600 --> 00:47:28,200
Speaker 4: Oh baby.

1031
00:47:29,520 --> 00:47:32,160
Speaker 2: Like stated in the title, I am an eighteen year

1032
00:47:32,160 --> 00:47:35,040
Speaker 2: old about to go off to university. I leave on

1033
00:47:35,080 --> 00:47:38,040
Speaker 2: September fourth. My girlfriend is also eighteen, but still in

1034
00:47:38,120 --> 00:47:41,239
Speaker 2: high school. However, yesterday my girlfriend for me that she

1035
00:47:41,360 --> 00:47:44,560
Speaker 2: was late on her period and took a pregnancy test.

1036
00:47:44,840 --> 00:47:47,799
Speaker 2: It came out positive. She said she was planning on

1037
00:47:47,920 --> 00:47:50,960
Speaker 2: having the baby, and I, of course one hundred percent

1038
00:47:51,040 --> 00:47:53,800
Speaker 2: respect her decision. By the way, this comes from someone

1039
00:47:53,960 --> 00:47:55,480
Speaker 2: and if you want to smit your own stories, go

1040
00:47:55,520 --> 00:47:57,400
Speaker 2: to the artislash Okay, storytime separate.

1041
00:47:57,600 --> 00:47:59,840
Speaker 4: I'm Sophia, and I'm Mia.

1042
00:47:59,520 --> 00:48:00,560
Speaker 1: And I'm Dakota.

1043
00:48:00,680 --> 00:48:03,719
Speaker 2: But Op says, because she's still in high school, she

1044
00:48:03,800 --> 00:48:06,439
Speaker 2: can't fully support the baby by herself on a part

1045
00:48:06,440 --> 00:48:09,200
Speaker 2: time job, no matter how hard she works. My plan

1046
00:48:09,280 --> 00:48:11,880
Speaker 2: originally was to go to university for one year and

1047
00:48:11,920 --> 00:48:14,480
Speaker 2: then come back home to go to a university closer

1048
00:48:14,520 --> 00:48:17,000
Speaker 2: to my home. Long distance isn't really my thing, and

1049
00:48:17,040 --> 00:48:20,840
Speaker 2: the university I'm planning to go to is six hours away. However,

1050
00:48:21,080 --> 00:48:24,360
Speaker 2: because of this new and unexpected complication, I was wondering

1051
00:48:24,440 --> 00:48:26,319
Speaker 2: if it would be a better idea to try to

1052
00:48:26,360 --> 00:48:28,759
Speaker 2: find a job around my area to support her and

1053
00:48:28,800 --> 00:48:31,360
Speaker 2: the baby. I don't really expect nor want her to

1054
00:48:31,400 --> 00:48:34,279
Speaker 2: be alone while going through her pregnancy. Should I try

1055
00:48:34,280 --> 00:48:36,799
Speaker 2: to find a decent paying job around my area and

1056
00:48:36,840 --> 00:48:39,759
Speaker 2: support my girlfriend and child, or should I go as

1057
00:48:39,840 --> 00:48:43,880
Speaker 2: I originally intended, to a university six hours away, and

1058
00:48:43,920 --> 00:48:46,200
Speaker 2: then come back and try to support her. I have

1059
00:48:46,280 --> 00:48:49,319
Speaker 2: decent skills in computer software and coding, and I worked

1060
00:48:49,360 --> 00:48:51,840
Speaker 2: at a local bakery for a long enough time to

1061
00:48:52,000 --> 00:48:54,960
Speaker 2: maybe manage the store. Also, I know getting a girl

1062
00:48:55,040 --> 00:48:58,560
Speaker 2: in high school pregnant is hella idiotic and definitely needed

1063
00:48:58,600 --> 00:49:01,319
Speaker 2: more planning or protection. And on my part, we did

1064
00:49:01,440 --> 00:49:04,439
Speaker 2: use Plan B after having spicy sleep, but it wasn't

1065
00:49:04,520 --> 00:49:08,120
Speaker 2: right away, though it was within the three day time frame.

1066
00:49:08,719 --> 00:49:10,240
Speaker 2: It sounds like you did it three.

1067
00:49:10,120 --> 00:49:12,400
Speaker 4: Days after I didn't even know you could do it

1068
00:49:12,440 --> 00:49:12,879
Speaker 4: three days.

1069
00:49:13,000 --> 00:49:15,680
Speaker 2: No, they say it. I don't know, th right, Okay,

1070
00:49:15,719 --> 00:49:18,520
Speaker 2: say like within twenty four hours?

1071
00:49:18,760 --> 00:49:19,480
Speaker 4: That's what I thought.

1072
00:49:19,840 --> 00:49:22,799
Speaker 2: Ah, Oh, I don't know where you got the three

1073
00:49:22,840 --> 00:49:25,240
Speaker 2: days from it's as soon as possible.

1074
00:49:25,280 --> 00:49:28,000
Speaker 3: Ope, I think they got like a little like I

1075
00:49:28,040 --> 00:49:30,279
Speaker 3: don't know if you call it dyslexia, but it's like

1076
00:49:30,400 --> 00:49:32,560
Speaker 3: that's after three days, just when it's.

1077
00:49:32,400 --> 00:49:33,680
Speaker 1: No longer effective at all.

1078
00:49:33,760 --> 00:49:36,120
Speaker 3: Oh, so it's like you took it when it doesn't

1079
00:49:36,160 --> 00:49:36,840
Speaker 3: work anymore.

1080
00:49:36,960 --> 00:49:41,800
Speaker 2: Oh no, oh no, yeah, okay, well you already know

1081
00:49:41,840 --> 00:49:44,319
Speaker 2: the consequences of this. I don't plan on leaving my

1082
00:49:44,360 --> 00:49:47,120
Speaker 2: girlfriend to have this baby by herself, but I am

1083
00:49:47,160 --> 00:49:50,600
Speaker 2: at a loss for what to do. Help please, And

1084
00:49:50,719 --> 00:49:53,480
Speaker 2: there are some comments, but do you have any advice,

1085
00:49:53,800 --> 00:49:56,520
Speaker 2: financial or otherwise for op There's.

1086
00:49:56,360 --> 00:50:00,319
Speaker 4: A lot of variables here because raising a child is very,

1087
00:50:00,440 --> 00:50:01,239
Speaker 4: very expensive.

1088
00:50:01,440 --> 00:50:01,640
Speaker 2: Yeah.

1089
00:50:01,680 --> 00:50:05,879
Speaker 5: I think the national average is I want to say,

1090
00:50:05,880 --> 00:50:07,920
Speaker 5: it's eleven thy five hundred per year.

1091
00:50:08,360 --> 00:50:10,880
Speaker 4: Yeah. I might be off on that, so don't quote me.

1092
00:50:11,120 --> 00:50:14,400
Speaker 5: But it's around that and much more expensive in states

1093
00:50:14,440 --> 00:50:17,600
Speaker 5: like California. And there's diaper costs, and then you know,

1094
00:50:17,719 --> 00:50:20,440
Speaker 5: decisions of who stays home or are they going to

1095
00:50:20,560 --> 00:50:21,080
Speaker 5: day here.

1096
00:50:21,239 --> 00:50:23,000
Speaker 4: The bills rack up really quick.

1097
00:50:23,120 --> 00:50:27,680
Speaker 5: It's basically another rent or another mortgage, depending on your situation.

1098
00:50:28,080 --> 00:50:30,879
Speaker 5: As far as college, I mean, I still I very

1099
00:50:30,920 --> 00:50:33,799
Speaker 5: much think it's important to go to college. But now

1100
00:50:33,840 --> 00:50:36,239
Speaker 5: it's you know, two people that need to make that

1101
00:50:36,400 --> 00:50:37,520
Speaker 5: decision together.

1102
00:50:37,560 --> 00:50:40,200
Speaker 2: And it seems like they're staying together at least so far.

1103
00:50:40,560 --> 00:50:42,799
Speaker 5: But then he says, long distance not a thing, but

1104
00:50:43,200 --> 00:50:44,480
Speaker 5: it's gonna have to become your thing.

1105
00:50:44,640 --> 00:50:47,359
Speaker 2: Yeah, I mean, you can't just be like, I don't

1106
00:50:47,360 --> 00:50:49,759
Speaker 2: really do long distance. So me and the baby are

1107
00:50:50,640 --> 00:50:51,720
Speaker 2: I'm breaking up with that baby.

1108
00:50:51,840 --> 00:50:56,040
Speaker 5: But maybe there's another I know, community exactly, community college,

1109
00:50:57,080 --> 00:51:00,800
Speaker 5: which you know, then you could always transfer to another Savage.

1110
00:51:00,880 --> 00:51:01,560
Speaker 2: Yet once your.

1111
00:51:01,520 --> 00:51:05,800
Speaker 5: Kids too, you know, once you're in a move right exactly.

1112
00:51:06,080 --> 00:51:08,320
Speaker 5: So I think community college would be a good answer

1113
00:51:08,520 --> 00:51:10,760
Speaker 5: in this scenario because you're still getting those bass classes

1114
00:51:10,760 --> 00:51:11,320
Speaker 5: a lot of times.

1115
00:51:11,160 --> 00:51:14,160
Speaker 4: You know, switching majors. Anyways, I did that like three times.

1116
00:51:14,320 --> 00:51:16,400
Speaker 2: Yeah, I added a major, so and I didn't that.

1117
00:51:16,520 --> 00:51:18,560
Speaker 2: I didn't know I was gonna do going in, so

1118
00:51:19,000 --> 00:51:21,200
Speaker 2: it's probably helpful. I had a lot of people that

1119
00:51:21,280 --> 00:51:24,880
Speaker 2: a lot of my friends transferred in in their junior year. Yeah,

1120
00:51:24,880 --> 00:51:27,279
Speaker 2: so I think it's it's fairly common, even if you

1121
00:51:27,280 --> 00:51:28,239
Speaker 2: don't have a baby in the mix.

1122
00:51:28,320 --> 00:51:28,760
Speaker 4: Definitely.

1123
00:51:28,840 --> 00:51:31,279
Speaker 5: I took a semester break at one point and just

1124
00:51:31,320 --> 00:51:33,799
Speaker 5: went back to community college, got more credits done, and

1125
00:51:33,840 --> 00:51:35,359
Speaker 5: then came back to the same school too.

1126
00:51:35,560 --> 00:51:37,479
Speaker 2: Yeah, there are a lot of different options. I think

1127
00:51:37,560 --> 00:51:39,839
Speaker 2: if you're still with your partner and then absolutely talk

1128
00:51:39,880 --> 00:51:42,680
Speaker 2: to them about it, for sure. Comment one, I don't

1129
00:51:42,680 --> 00:51:45,319
Speaker 2: think we can answer this. Well, you didn't try hard.

1130
00:51:45,560 --> 00:51:47,320
Speaker 4: We're trying our best.

1131
00:51:47,600 --> 00:51:50,480
Speaker 2: It depends on her support system while you're gone. If

1132
00:51:50,480 --> 00:51:52,880
Speaker 2: she can live with her parents, that's a major difference

1133
00:51:53,040 --> 00:51:56,080
Speaker 2: versus if she can't. For example, Oh P says she

1134
00:51:56,120 --> 00:51:59,120
Speaker 2: can live with her parents. I'm almost positive. Reply says

1135
00:51:59,160 --> 00:52:01,400
Speaker 2: sit down with her and them to talk about it.

1136
00:52:01,520 --> 00:52:03,399
Speaker 2: Hopefully they want you to go to college as much

1137
00:52:03,440 --> 00:52:05,279
Speaker 2: as you do. The worst thing you can do for

1138
00:52:05,360 --> 00:52:08,360
Speaker 2: your future and your girlfriends and your new child is

1139
00:52:08,440 --> 00:52:11,239
Speaker 2: put off college or end up not going. But you

1140
00:52:11,320 --> 00:52:13,839
Speaker 2: need to be front and center to discuss this with

1141
00:52:13,920 --> 00:52:17,000
Speaker 2: both your parents because they'll all need to be involved

1142
00:52:17,040 --> 00:52:19,479
Speaker 2: to make this work. Godspeed, Sun. You're not the first

1143
00:52:19,520 --> 00:52:22,399
Speaker 2: couple to go through something like this. Another reply says

1144
00:52:22,400 --> 00:52:24,680
Speaker 2: a guy, if I can give you any advice, it's

1145
00:52:24,760 --> 00:52:25,920
Speaker 2: go to college.

1146
00:52:26,200 --> 00:52:28,920
Speaker 1: I'm sorry, hey guy, I just read that as like

1147
00:52:29,160 --> 00:52:29,680
Speaker 1: a guy.

1148
00:52:30,000 --> 00:52:32,160
Speaker 3: If I can give you any advice, he's go to

1149
00:52:32,200 --> 00:52:33,480
Speaker 3: college college.

1150
00:52:33,120 --> 00:52:36,160
Speaker 1: I didn't go to college. I work, I break my

1151
00:52:36,200 --> 00:52:38,760
Speaker 1: back all day. All right, go to college, guy.

1152
00:52:38,800 --> 00:52:41,279
Speaker 2: Come okay. And then the next comments a pirate and

1153
00:52:41,280 --> 00:52:45,400
Speaker 2: you say, hey, dot, go on a crouse.

1154
00:52:45,640 --> 00:52:49,160
Speaker 1: I suggest taking to the sea. None of your problems

1155
00:52:49,200 --> 00:52:50,480
Speaker 1: can follow you to the sea.

1156
00:52:50,920 --> 00:52:53,120
Speaker 2: Mention you are somewhat computer savvy.

1157
00:52:53,960 --> 00:52:55,600
Speaker 1: I don't know what those are.

1158
00:52:55,840 --> 00:53:02,120
Speaker 2: Major ncs or something C and finish as fast as possible.

1159
00:53:02,360 --> 00:53:05,160
Speaker 2: That degree will very likely open up the possibility of

1160
00:53:05,200 --> 00:53:08,279
Speaker 2: you working from home if necessary. Good point. Allowing you

1161
00:53:08,360 --> 00:53:10,080
Speaker 2: the time to stay home with the kids, so your

1162
00:53:10,120 --> 00:53:12,520
Speaker 2: girlfriend can take care of herself. Yeah maybe maybe then

1163
00:53:12,520 --> 00:53:14,400
Speaker 2: you guys can swap, but she can go to college.

1164
00:53:14,600 --> 00:53:17,840
Speaker 3: Yeah options, Actually I do That is a very solid

1165
00:53:17,960 --> 00:53:19,759
Speaker 3: yeah suggestion right there for sure.

1166
00:53:19,920 --> 00:53:20,360
Speaker 2: Yeah.

1167
00:53:20,400 --> 00:53:20,720
Speaker 4: Thanks.

1168
00:53:22,040 --> 00:53:24,879
Speaker 3: Well did you comment that what I met him going

1169
00:53:24,880 --> 00:53:28,400
Speaker 3: into like computer science? Oh so it's like because it

1170
00:53:28,440 --> 00:53:30,480
Speaker 3: allows him to Yeah.

1171
00:53:30,360 --> 00:53:33,880
Speaker 2: No, that was There's it's fine. This will be payback

1172
00:53:33,920 --> 00:53:36,359
Speaker 2: for the few years she sacrificed in the beginning so

1173
00:53:36,480 --> 00:53:39,319
Speaker 2: you could get the degree. Just my two cents and

1174
00:53:39,360 --> 00:53:42,120
Speaker 2: two says. Having a child is a lot of money.

1175
00:53:42,160 --> 00:53:44,720
Speaker 2: As you said, raising a child is more money. Years

1176
00:53:44,760 --> 00:53:47,200
Speaker 2: after years. The longer you will wait to have a

1177
00:53:47,239 --> 00:53:50,720
Speaker 2: decent job, the harder and more impossible it will seem

1178
00:53:50,760 --> 00:53:53,360
Speaker 2: for you to offer your child and your girlfriend a

1179
00:53:53,400 --> 00:53:56,520
Speaker 2: decent life. There is always the possibility to take certification

1180
00:53:56,680 --> 00:53:59,080
Speaker 2: instead of university if you want to stay close. But

1181
00:53:59,200 --> 00:54:01,920
Speaker 2: for a good future, you have to make sacrifices, and

1182
00:54:02,000 --> 00:54:04,200
Speaker 2: your girlfriend have to make sacrifices to deal with the

1183
00:54:04,200 --> 00:54:06,560
Speaker 2: best choice for the three of you. Having a decent

1184
00:54:06,640 --> 00:54:09,279
Speaker 2: job is a priority if you ask me, Oh Pie

1185
00:54:09,360 --> 00:54:12,920
Speaker 2: says right, I understand that. But to get a decent job,

1186
00:54:13,120 --> 00:54:16,239
Speaker 2: most people would need a college degree. That is my understanding,

1187
00:54:16,440 --> 00:54:19,600
Speaker 2: and so that's where the dilemma is. I mean, I

1188
00:54:19,600 --> 00:54:23,440
Speaker 2: don't think it's necessary, like you necessarily need a college

1189
00:54:23,480 --> 00:54:27,000
Speaker 2: degree to have like a fulfilling career. However, I feel

1190
00:54:27,000 --> 00:54:29,000
Speaker 2: like if you don't have a college degree, then you

1191
00:54:29,040 --> 00:54:33,400
Speaker 2: need a lot of time and like focus on whatever

1192
00:54:33,520 --> 00:54:36,400
Speaker 2: career you're pursuing, and you're not going to necessarily have that.

1193
00:54:36,440 --> 00:54:38,960
Speaker 5: With a kid, I feel like another I mean, I wonder,

1194
00:54:39,120 --> 00:54:40,800
Speaker 5: I mean, it's going to depend on what their living

1195
00:54:40,840 --> 00:54:44,840
Speaker 5: situation is too, because if she's living with parents, yeah,

1196
00:54:44,920 --> 00:54:47,200
Speaker 5: then you know, then I guess she has to stay

1197
00:54:47,200 --> 00:54:50,160
Speaker 5: where she is, but is there the option for her

1198
00:54:50,239 --> 00:54:51,560
Speaker 5: to move with you?

1199
00:54:52,520 --> 00:54:54,520
Speaker 2: Yeah, and then you guys find a job or a

1200
00:54:54,600 --> 00:54:57,719
Speaker 2: living situation there. I guess it's just the issue is

1201
00:54:57,760 --> 00:54:59,160
Speaker 2: that she would no longer have the help of her

1202
00:54:59,200 --> 00:55:01,359
Speaker 2: parents and she's like seventeen or eighteen.

1203
00:55:01,239 --> 00:55:04,640
Speaker 5: Right, which is I mean, even when you're not seventeen eighteen,

1204
00:55:04,719 --> 00:55:06,600
Speaker 5: I think having parents close by helped.

1205
00:55:06,440 --> 00:55:09,480
Speaker 2: A lot or yeah, yeah, so I think that's also

1206
00:55:09,640 --> 00:55:13,719
Speaker 2: trade school. Yeah, yeah, my uncle's well, my uncle went

1207
00:55:13,800 --> 00:55:17,080
Speaker 2: to into trade school and I think he dropped out

1208
00:55:17,120 --> 00:55:19,360
Speaker 2: of high school to do that. This is in Australia,

1209
00:55:19,480 --> 00:55:22,200
Speaker 2: but worked for him. He is a very nice place.

1210
00:55:21,960 --> 00:55:23,120
Speaker 4: Now with kids are needed.

1211
00:55:23,800 --> 00:55:26,600
Speaker 2: Reply says, unless you are incredible with the resume or

1212
00:55:26,719 --> 00:55:30,200
Speaker 2: portfolio full of successes, don't expect someone to waste their

1213
00:55:30,200 --> 00:55:32,480
Speaker 2: time on you without a degree. Having an act and

1214
00:55:32,520 --> 00:55:36,400
Speaker 2: being hirable are different traits and not saying it never happens,

1215
00:55:36,520 --> 00:55:38,480
Speaker 2: but it isn't something I would bet my kid and

1216
00:55:38,480 --> 00:55:41,560
Speaker 2: wife's well being on. Go to college, get your degree,

1217
00:55:41,840 --> 00:55:44,120
Speaker 2: drag the girl with you while you both work side

1218
00:55:44,200 --> 00:55:47,480
Speaker 2: jobs when that is possible. Scratch by the early years

1219
00:55:47,520 --> 00:55:50,359
Speaker 2: of your kid's life to secure a comfortable future. Going

1220
00:55:50,400 --> 00:55:54,080
Speaker 2: back to college gets more difficult and less appealing every

1221
00:55:54,239 --> 00:55:56,960
Speaker 2: year you are working a crap job. Make sure both

1222
00:55:57,000 --> 00:55:59,920
Speaker 2: of you go to college and don't start making excuses.

1223
00:56:00,280 --> 00:56:02,799
Speaker 2: Opie says. We both want to go to college, but

1224
00:56:02,840 --> 00:56:04,839
Speaker 2: we also want to be there for the baby. She

1225
00:56:04,920 --> 00:56:07,480
Speaker 2: wants to be a nurse and me a computer scientist.

1226
00:56:07,640 --> 00:56:10,960
Speaker 2: So they're both lucrative fields, but with necessary schooling to

1227
00:56:10,960 --> 00:56:13,560
Speaker 2: advance in either fields, in which case, yeah, maybe she

1228
00:56:13,680 --> 00:56:16,800
Speaker 2: can go to you know, community college for now around

1229
00:56:16,840 --> 00:56:20,160
Speaker 2: her and when she's going to college, having the parents

1230
00:56:20,200 --> 00:56:22,399
Speaker 2: help take care of the kid, or even like if

1231
00:56:22,400 --> 00:56:25,239
Speaker 2: this is a now, like a story from now. Looking

1232
00:56:25,320 --> 00:56:26,240
Speaker 2: at online.

1233
00:56:25,840 --> 00:56:29,440
Speaker 5: School, definitely yeah, yeah, I didn't even think of that option,

1234
00:56:29,560 --> 00:56:32,000
Speaker 5: that you could totally do school online now. But you know,

1235
00:56:32,080 --> 00:56:36,239
Speaker 5: I still think that he going into computer science. They

1236
00:56:36,239 --> 00:56:38,440
Speaker 5: have computer science courses at anywhere.

1237
00:56:38,560 --> 00:56:40,279
Speaker 4: Yeah, yeah, and.

1238
00:56:40,360 --> 00:56:42,279
Speaker 5: You know, just getting the base credits because you also

1239
00:56:42,320 --> 00:56:44,080
Speaker 5: have to do you know, the random I don't even

1240
00:56:44,080 --> 00:56:48,240
Speaker 5: remember what it was, English and whatever whatever we're required

1241
00:56:48,280 --> 00:56:50,719
Speaker 5: to do a while, But that could definitely be done

1242
00:56:50,760 --> 00:56:53,319
Speaker 5: at community college. I guess it's a question of if

1243
00:56:53,320 --> 00:56:55,920
Speaker 5: if he's set on this one university and I'm sure

1244
00:56:56,080 --> 00:56:58,400
Speaker 5: that if you also talk to the admissions, you know,

1245
00:56:58,440 --> 00:57:01,960
Speaker 5: there could be leeway into would they accept him in

1246
00:57:02,239 --> 00:57:04,200
Speaker 5: two years time, in a year's time you.

1247
00:57:04,239 --> 00:57:06,759
Speaker 2: Yeah, like just you know, pushing it off for a

1248
00:57:06,800 --> 00:57:09,240
Speaker 2: little bit. I think that's it. Yeah. I think probably

1249
00:57:09,280 --> 00:57:12,400
Speaker 2: he's just really excited about or he was really excited

1250
00:57:12,440 --> 00:57:15,279
Speaker 2: about that, you know, which is yeah, fair, it's find

1251
00:57:15,320 --> 00:57:18,400
Speaker 2: been thrown off. Reply says, you can go to college

1252
00:57:18,400 --> 00:57:20,360
Speaker 2: with kids. I had both of mine while I was

1253
00:57:20,400 --> 00:57:23,760
Speaker 2: an undergrad and it turned out amazingly. College courses are

1254
00:57:23,840 --> 00:57:26,360
Speaker 2: flexible and you can make your schedule work around each

1255
00:57:26,360 --> 00:57:28,320
Speaker 2: other in a way that you can't do with work.

1256
00:57:28,480 --> 00:57:30,720
Speaker 2: If all else fails and you can't do it this year,

1257
00:57:30,880 --> 00:57:33,240
Speaker 2: you can always both go next year. Just be sure

1258
00:57:33,280 --> 00:57:36,480
Speaker 2: that you actually do it. Comment three says gotta go

1259
00:57:36,600 --> 00:57:39,520
Speaker 2: for the delayed gratification year. If you shoot low now,

1260
00:57:39,600 --> 00:57:42,640
Speaker 2: you may get trapped in a cycle of desperation and poverty.

1261
00:57:42,840 --> 00:57:45,640
Speaker 2: Look into government assistance programs and work your butt off

1262
00:57:45,640 --> 00:57:48,160
Speaker 2: while in school to provide for the family you started.

1263
00:57:48,280 --> 00:57:50,720
Speaker 2: During all of this, remember that you love this woman.

1264
00:57:50,840 --> 00:57:53,680
Speaker 2: Don't let your family fall apart, or else everything will

1265
00:57:53,680 --> 00:57:56,400
Speaker 2: be much harder than it's already going to be communicate

1266
00:57:56,440 --> 00:57:58,680
Speaker 2: with her and be sensitive to her needs while also

1267
00:57:58,760 --> 00:58:01,640
Speaker 2: communicating yours. You both need to be adults now. But

1268
00:58:01,720 --> 00:58:04,560
Speaker 2: there is an edit to finish this story off. Do

1269
00:58:04,600 --> 00:58:08,160
Speaker 2: you have any final thoughts or wisdom to impart to OPI?

1270
00:58:08,600 --> 00:58:13,120
Speaker 5: Oh, on there, I mean, on this whole situation. I

1271
00:58:13,200 --> 00:58:14,880
Speaker 5: think that there's a lot of moving parts to give

1272
00:58:14,960 --> 00:58:18,400
Speaker 5: direct advice, but I mean the bottom line is that

1273
00:58:18,720 --> 00:58:21,680
Speaker 5: kids are expensive. Like they're saying, sacrifices aren't going to

1274
00:58:21,800 --> 00:58:25,960
Speaker 5: happen with having a kid. I mean there's a lot

1275
00:58:26,040 --> 00:58:28,720
Speaker 5: of different things I could say as financial advice with

1276
00:58:28,760 --> 00:58:32,920
Speaker 5: having a kid, which is there becomes this checklist of

1277
00:58:33,040 --> 00:58:35,840
Speaker 5: financial things that you should usually do anyways, but when

1278
00:58:35,840 --> 00:58:38,080
Speaker 5: you have a kid, it becomes a little bit more pressing.

1279
00:58:38,200 --> 00:58:40,720
Speaker 5: So we talked about earlier in the episode creating like

1280
00:58:40,800 --> 00:58:41,280
Speaker 5: a trust.

1281
00:58:41,480 --> 00:58:45,560
Speaker 4: Yeah, well, you know, estate planning. That becomes very important.

1282
00:58:45,160 --> 00:58:48,360
Speaker 5: Because that's where you write if God forbids something were

1283
00:58:48,400 --> 00:58:50,280
Speaker 5: to happen to you, who's going to take care of

1284
00:58:50,320 --> 00:58:50,680
Speaker 5: the child?

1285
00:58:51,600 --> 00:58:52,680
Speaker 4: Once you do get a job.

1286
00:58:52,720 --> 00:58:54,720
Speaker 5: If you know, then you're dependent on one person having

1287
00:58:54,800 --> 00:58:58,720
Speaker 5: the job, insurance, and even a person who doesn't necessarily

1288
00:58:59,040 --> 00:59:02,560
Speaker 5: work for a salary. But is stay at home parent

1289
00:59:02,760 --> 00:59:05,439
Speaker 5: important for them to have insurance too, because they're not there,

1290
00:59:05,520 --> 00:59:07,560
Speaker 5: then you will start paying for someone to be there

1291
00:59:07,600 --> 00:59:11,360
Speaker 5: full time. A lot of things to consider with having

1292
00:59:11,400 --> 00:59:13,280
Speaker 5: a new baby budget.

1293
00:59:12,920 --> 00:59:15,760
Speaker 4: The list goes on and on. I've actually done seminars

1294
00:59:15,760 --> 00:59:16,480
Speaker 4: about them recently.

1295
00:59:17,240 --> 00:59:18,640
Speaker 2: Well, perfect, this is great.

1296
00:59:18,560 --> 00:59:21,760
Speaker 5: Down the street at the pump station. If you recently

1297
00:59:21,800 --> 00:59:23,640
Speaker 5: had a child, then you have some questions.

1298
00:59:23,360 --> 00:59:24,760
Speaker 4: Yeah, about how to prepare yourself.

1299
00:59:24,840 --> 00:59:29,880
Speaker 2: Okay, perfect, this is so relevant. Yeah, absolutely, I think

1300
00:59:29,920 --> 00:59:33,040
Speaker 2: that's all really great advice. Awesome, and I think yeah,

1301
00:59:33,080 --> 00:59:35,560
Speaker 2: I mean it seems I imagine that it would be

1302
00:59:35,680 --> 00:59:37,560
Speaker 2: very scary as an eighteen year old to have all

1303
00:59:37,600 --> 00:59:39,760
Speaker 2: of this kind of a last that you're in. But

1304
00:59:40,000 --> 00:59:41,960
Speaker 2: seems like you've got a good head on your shoulders.

1305
00:59:42,040 --> 00:59:42,360
Speaker 4: Yeah.

1306
00:59:42,440 --> 00:59:46,200
Speaker 5: I think the number one thing is just communication with

1307
00:59:46,240 --> 00:59:48,560
Speaker 5: your partner. I mean, a lot of these stories come

1308
00:59:48,600 --> 00:59:50,680
Speaker 5: down to communication with your.

1309
00:59:50,560 --> 00:59:52,280
Speaker 4: Partner or your family member.

1310
00:59:52,520 --> 00:59:56,480
Speaker 5: You know, it's it's unfortunately one of the leading reasons

1311
00:59:56,480 --> 01:00:02,080
Speaker 5: for divorce and financial troubles and also so tends to cause.

1312
01:00:01,840 --> 01:00:03,760
Speaker 4: A lot of family tension in general.

1313
01:00:03,880 --> 01:00:07,840
Speaker 5: So being able to have open conversation or have a

1314
01:00:07,880 --> 01:00:11,800
Speaker 5: mediator like a financial advisor like in a state planning

1315
01:00:11,840 --> 01:00:14,760
Speaker 5: attorney that can or a therapist that can be that

1316
01:00:14,880 --> 01:00:17,640
Speaker 5: person to help you have those conversations.

1317
01:00:17,840 --> 01:00:18,960
Speaker 4: Always going to be helpful.

1318
01:00:19,400 --> 01:00:23,240
Speaker 2: Yeah, cool and edit. Thanks for all the replies so far.

1319
01:00:23,560 --> 01:00:26,360
Speaker 2: It's really been stressful. To be completely honest, her living

1320
01:00:26,360 --> 01:00:28,640
Speaker 2: situation for the next year or so would be fine

1321
01:00:28,720 --> 01:00:31,680
Speaker 2: because her parents are very supportive, just maybe not in

1322
01:00:31,720 --> 01:00:35,320
Speaker 2: this situation, but they wouldn't throw her out as to

1323
01:00:35,360 --> 01:00:38,120
Speaker 2: what she wants. She wants me to stay, of course,

1324
01:00:38,280 --> 01:00:40,800
Speaker 2: and I want to as well. But I feel, as

1325
01:00:40,840 --> 01:00:43,800
Speaker 2: many of you have said, a college education and degree

1326
01:00:43,960 --> 01:00:46,920
Speaker 2: is what will ultimately lead to a more supportive career.

1327
01:00:47,160 --> 01:00:49,560
Speaker 2: I do have decent computer coding skills, so if I

1328
01:00:49,600 --> 01:00:52,280
Speaker 2: can get a job in that field, I wouldn't necessarily

1329
01:00:52,320 --> 01:00:54,880
Speaker 2: have to go to university to get a decent paying job.

1330
01:00:55,200 --> 01:00:58,040
Speaker 2: And that is the end of that story. Good luck

1331
01:00:58,040 --> 01:01:01,440
Speaker 2: to you, op. I think everyone has, you know, different

1332
01:01:01,480 --> 01:01:06,120
Speaker 2: experiences in life, and one person's road or path is

1333
01:01:06,160 --> 01:01:09,200
Speaker 2: not necessarily the right one for you. Yeah, you'll figure

1334
01:01:09,200 --> 01:01:11,280
Speaker 2: it out, but that's the end of that story. And

1335
01:01:11,600 --> 01:01:13,800
Speaker 2: I think that's the end of our time with you.

1336
01:01:14,280 --> 01:01:16,320
Speaker 2: But you've done such a great job.

1337
01:01:16,560 --> 01:01:18,560
Speaker 4: Well, thank you so much for having me. It's been

1338
01:01:18,720 --> 01:01:19,440
Speaker 4: so much fun.

1339
01:01:19,560 --> 01:01:22,000
Speaker 2: I'm glad. No, you did it. You did amazing. Everyone

1340
01:01:22,040 --> 01:01:24,160
Speaker 2: say thank you in the chat. I think I also

1341
01:01:24,240 --> 01:01:26,520
Speaker 2: have noticed that the chat has been appreciating all of

1342
01:01:26,560 --> 01:01:27,440
Speaker 2: your comments and stuff.

1343
01:01:27,480 --> 01:01:29,680
Speaker 5: Thank you chat, And you know, if you continue to

1344
01:01:29,680 --> 01:01:32,120
Speaker 5: have questions, I'm on social media markets with me.

1345
01:01:32,600 --> 01:01:33,680
Speaker 4: Yeah, markets with Mia.

1346
01:01:33,800 --> 01:01:36,160
Speaker 5: I work for gerber Kosaki, so you know, always feel

1347
01:01:36,280 --> 01:01:37,960
Speaker 5: furie to reach out to be either on our website

1348
01:01:38,080 --> 01:01:39,120
Speaker 5: or on my socials.

1349
01:01:39,160 --> 01:01:40,040
Speaker 4: That's that's my handle.

1350
01:01:40,320 --> 01:01:42,840
Speaker 3: Yeah, it looks like we got Instagram and TikTok here

1351
01:01:43,240 --> 01:01:44,800
Speaker 3: as markets with Mia.

1352
01:01:45,040 --> 01:01:46,959
Speaker 4: Yes, those are the main ones.

1353
01:01:47,200 --> 01:01:51,040
Speaker 5: Instagram and TikTok Perfect Instagram, you'll see my personal life TikTok.

1354
01:01:51,160 --> 01:01:53,120
Speaker 4: Who knows what I'm doing. It just depends on the day.

1355
01:01:53,200 --> 01:01:55,880
Speaker 2: Yeah, if you want to be friends with Mia Instagram,

1356
01:01:56,240 --> 01:01:56,600
Speaker 2: I don't know.

1357
01:01:56,760 --> 01:01:59,920
Speaker 5: If you want some financial advice sometimes just inside of

1358
01:02:00,040 --> 01:02:02,800
Speaker 5: of whatever my brand's thinking about in that moment, that's

1359
01:02:02,800 --> 01:02:03,960
Speaker 5: my tech talk perfect.

1360
01:02:04,160 --> 01:02:05,880
Speaker 2: I'll be on there. Ah.

1361
01:02:05,960 --> 01:02:07,640
Speaker 1: Well, I'm going to give you a little outro real

1362
01:02:07,720 --> 01:02:08,120
Speaker 1: quick here.

1363
01:02:08,440 --> 01:02:11,440
Speaker 3: Mia Sampson, who's with us today, is a wealth advisor

1364
01:02:11,600 --> 01:02:14,720
Speaker 3: and the director of Marketing at Gerbert Kawasaki Wealth and

1365
01:02:14,800 --> 01:02:18,680
Speaker 3: Investment Management. She specializes in working with professional women entrepreneurs

1366
01:02:18,840 --> 01:02:22,640
Speaker 3: rising leaders, helping them take control of their finances with clarity, confidence,

1367
01:02:22,640 --> 01:02:25,840
Speaker 3: and a personalized plant. Her approach supports clients as they

1368
01:02:25,880 --> 01:02:28,800
Speaker 3: navigate big goals such as launching a business, building wealth,

1369
01:02:29,040 --> 01:02:32,040
Speaker 3: or preparing for early retirement, which we had a story

1370
01:02:32,040 --> 01:02:32,840
Speaker 3: about that today.

1371
01:02:33,040 --> 01:02:35,680
Speaker 2: Yeah. Well, thank you so much for joining us.

1372
01:02:35,760 --> 01:02:37,480
Speaker 4: Of course, thank you so much for having me.

1373
01:02:37,640 --> 01:02:40,400
Speaker 2: And I'm gonna I'll walk you out, okay, perfect, I'll

1374
01:02:40,400 --> 01:02:41,280
Speaker 2: be right back. Guys.

1375
01:02:41,520 --> 01:02:42,600
Speaker 1: Yes, I will babysit.

1376
01:02:43,040 --> 01:02:45,240
Speaker 2: Thank you, Mia, and I took this off