WEBVTT - Just quit already! And other new rules for wealth-building 0:00:00.520 --> 0:00:03.480 Hey, hey, hey, ba fan, Please follow us on Apple 0:00:03.600 --> 0:00:08.440 Podcasts and keep our audience growing. If your iPhone recently 0:00:08.520 --> 0:00:13.880 updated to iOS fourteen point five, head to Apple Podcasts, 0:00:14.160 --> 0:00:17.360 search for brown Ambition and click on the plus button 0:00:17.760 --> 0:00:20.919 in the upper right hand corner. Do that and you'll 0:00:20.920 --> 0:00:24.800 be following our show Loop Loop. You can also follow 0:00:24.880 --> 0:00:29.760 us on Spotify, on Stitcher, or on the Amazon Music app. 0:00:30.040 --> 0:00:31.400 You will not do all that, you know, if you 0:00:31.440 --> 0:00:33.600 had to Android, but you know Apple, that's fine. It's fine, 0:00:33.960 --> 0:00:35.680 and now onto our show. 0:00:51.520 --> 0:00:54.720 Hey, hey, hey, it is Mandra and I am joined 0:00:54.840 --> 0:00:57.720 this week very special. This is the kickoff of our 0:00:58.040 --> 0:01:02.000 summer co host series, and our first suber co host 0:01:02.280 --> 0:01:04.480 is Chris Browning from Popcorn Finance. 0:01:04.640 --> 0:01:06.920 Hey, Chris, Hey, thank you so much for having me. 0:01:06.959 --> 0:01:08.000 I'm excited to be joining you. 0:01:08.560 --> 0:01:11.240 I'm excited too. I feel like we have had these 0:01:11.280 --> 0:01:15.160 tandem podcasting journeys and it wasn't until not that long 0:01:15.200 --> 0:01:19.160 ago that we actually connected one on one to get 0:01:19.200 --> 0:01:20.160 to know each other a little bit. 0:01:20.720 --> 0:01:23.600 Yeah. I think the pandemic made a lot of zoom 0:01:23.600 --> 0:01:25.000 meetings possible because we're all at. 0:01:24.880 --> 0:01:28.440 Home anyways, it did, and remember how our first call. 0:01:28.760 --> 0:01:31.280 I think it was maybe three like I set up 0:01:31.319 --> 0:01:33.000 a call with you, and then it was back before 0:01:33.040 --> 0:01:35.400 I had childcare, and I think you had to endure 0:01:35.440 --> 0:01:38.960 maybe fifteen minutes of a screaming child before I finally 0:01:38.959 --> 0:01:41.240 gave up and put you out of your misery and myself, 0:01:41.319 --> 0:01:43.440 and I was like, let's do this again. And then 0:01:43.480 --> 0:01:46.039 maybe three months went by and I was like, I 0:01:46.080 --> 0:01:48.520 finally have childcare, let's talk, let's do it. 0:01:49.600 --> 0:01:52.080 So yeah, no, I understood it. I was like, hey, 0:01:52.160 --> 0:01:55.280 you can put me on hold and call me back later. 0:01:55.320 --> 0:01:56.440 It's fine. I understood. 0:01:57.280 --> 0:02:00.160 Such a gentleman. Well, let's talk about popcorn Finance for 0:02:00.160 --> 0:02:03.840 the folks who don't know. Popcorn Finance, which is your podcast. 0:02:03.840 --> 0:02:06.640 It's been around for four years now, right. You also 0:02:06.680 --> 0:02:09.800 have another podcast. Note, because one is not enough. I 0:02:09.800 --> 0:02:12.480 don't know how you do two. Your other podcast is 0:02:12.520 --> 0:02:15.239 called this is Awkward. Talk to the folks and tell 0:02:15.280 --> 0:02:16.240 them why they should listen. 0:02:17.200 --> 0:02:20.160 Yeah, well, thank you for the introduction there. Yeah, so 0:02:20.160 --> 0:02:22.440 Popcorn Finance it'll be four years at the end of June, 0:02:22.440 --> 0:02:25.040 which is crazy. I never would have thought it would 0:02:25.040 --> 0:02:27.800 be going on this long. But it is a short 0:02:27.800 --> 0:02:30.560 form podcast where I talk about finance, and about the 0:02:30.600 --> 0:02:32.639 time it takes make popcorns. That's where the name of 0:02:32.680 --> 0:02:34.520 the show comes from. It's like short form. I try 0:02:34.560 --> 0:02:37.120 to keep the episodes under ten minutes and just talk 0:02:37.160 --> 0:02:41.560 about all things finance, investing, saving money issues, all that stuff. 0:02:41.560 --> 0:02:43.960 It's just a place to kind of quickly get into 0:02:44.000 --> 0:02:47.520 these topics and make it less scary. And as you mentioned, 0:02:47.560 --> 0:02:49.760 because I apparently don't like the sleep, I started another 0:02:49.840 --> 0:02:54.160 podcast with the friend of buying Alison from Inspired Budget. 0:02:54.160 --> 0:02:56.080 We have a show called This Is Awkward, and that 0:02:56.160 --> 0:02:58.639 one is a little more fun. It's a little more lighthearted. 0:02:58.680 --> 0:03:00.600 We have people call in and they share with us 0:03:00.639 --> 0:03:03.359 awkward money situations that they've dealt with, and then we 0:03:03.480 --> 0:03:05.600 kind of talked through the situation and gave our advice 0:03:05.639 --> 0:03:07.280 on how we would have dealt with it or how 0:03:07.280 --> 0:03:08.919 we've dealt with similar things in the past. So that's 0:03:09.080 --> 0:03:10.040 the other show I have going on. 0:03:10.639 --> 0:03:12.720 Oh I love that. Have you ever had I think 0:03:12.720 --> 0:03:15.640 we might have a mutual friend broke Millennial Aaron Lowry, 0:03:15.760 --> 0:03:16.960 Have you ever had it on the show? 0:03:17.240 --> 0:03:18.480 I have multiple times. 0:03:18.760 --> 0:03:22.160 She wrote a whole book on awkward money conversations. Y'all 0:03:22.160 --> 0:03:24.280 got to check out the broke Millennial series, just a 0:03:24.280 --> 0:03:27.560 little plug for a pal, but oh god, that I 0:03:27.560 --> 0:03:31.000 mean you guys must have endless, endless material because everything 0:03:31.040 --> 0:03:32.160 about money is awkward. 0:03:32.840 --> 0:03:35.440 It really is. It really opened my eyes to how 0:03:35.880 --> 0:03:37.920 many of us deal with these situations. And I think 0:03:37.920 --> 0:03:39.680 sometimes we think it's like just us, like, oh, we're 0:03:39.720 --> 0:03:42.360 the only ones with weird family or friends are asking 0:03:42.360 --> 0:03:45.440 for money, But it's like no, everybody. Everybody's dealing with 0:03:45.440 --> 0:03:45.920 this stuff. 0:03:46.400 --> 0:03:48.720 I mean, damn, like my family, I'm trying to figure out. 0:03:48.960 --> 0:03:51.280 We're supposed to have a family reunion in Atlanta this 0:03:51.320 --> 0:03:53.960 coming weekend, so it's my first trip with Husban and 0:03:54.000 --> 0:03:56.880 the baby. He's I'm like, let's at least so if 0:03:56.880 --> 0:04:00.560 we're vaccinated, now things are safer, let's get on the plane. 0:04:00.680 --> 0:04:02.880 He only rides free for another six months, so I 0:04:02.880 --> 0:04:06.280 got to take advantage of his free He's still considered 0:04:06.320 --> 0:04:09.160 an infant even though he's huge, so he's gonna ride 0:04:09.200 --> 0:04:11.000 for free. We're gonna go to Atlanta and it's a 0:04:11.040 --> 0:04:14.240 family reunion and that's the only details I was given. 0:04:14.320 --> 0:04:16.960 But now it's like my dad is on the outs 0:04:17.000 --> 0:04:19.080 with my aunt and no one will tell me what 0:04:19.200 --> 0:04:21.920 I'm like what do I need to bring. I need 0:04:21.960 --> 0:04:23.680 to figure out who to give money to. I don't 0:04:23.680 --> 0:04:28.480 know how much, and it's it's already becoming a delightful 0:04:28.920 --> 0:04:31.920 dramatic situation. But whatever, I'm just there to eat. 0:04:32.000 --> 0:04:36.680 So that he had to go into the family situation 0:04:36.720 --> 0:04:37.960 and just say, hey, I'm just here for the food. 0:04:38.000 --> 0:04:39.720 Whatever the drama was going on, I'm not a part 0:04:39.760 --> 0:04:39.919 of that. 0:04:40.600 --> 0:04:42.760 Do you. Is your family like into family reunions? Is 0:04:42.760 --> 0:04:46.760 that a thing, sir? A Browning family reunion every year somewhere. 0:04:47.200 --> 0:04:51.040 My family's from the South, so barely anybody is out 0:04:51.040 --> 0:04:54.159 here in California. Uh so I only went to work, 0:04:55.000 --> 0:04:58.320 right right? You just how there are you're from? So 0:04:58.400 --> 0:05:01.160 my dad's from Arkansas, my mom's from Louisiana. 0:05:02.000 --> 0:05:05.240 Okay, that's real, real Southern. Yeah, I'm from Georgia. I'm 0:05:05.200 --> 0:05:05.839 from Atlanta. 0:05:06.600 --> 0:05:08.360 Oh yeah, you're from a major city. Where are my 0:05:08.440 --> 0:05:11.400 dad's from? They they got a Walmart and that's pretty much. 0:05:11.880 --> 0:05:15.400 I'm gonna say that is real, real southern those two 0:05:15.400 --> 0:05:19.359 states right there. Yeah, so we're both Southern transplants on 0:05:19.480 --> 0:05:22.080 the coasts. Yeah. So this is a big deal for 0:05:22.120 --> 0:05:24.680 me to even and I'm not gonna lie, there's been 0:05:24.760 --> 0:05:27.919 family reunions that I haven't gone to just because you know, 0:05:28.040 --> 0:05:30.880 it was in Georgia and I'm here in New York, 0:05:30.920 --> 0:05:33.680 and there's always an inconvenient time. But this time, after 0:05:33.720 --> 0:05:36.719 the pandemic, I think it just helped me realize, you know, 0:05:36.760 --> 0:05:39.280 how important it is. Like my uncles, God bless them, 0:05:39.320 --> 0:05:42.279 they survived this pandemic. My great uncles, they're all in 0:05:42.279 --> 0:05:45.840 their eighties and nineties, it feels like, and so it's 0:05:45.839 --> 0:05:49.159 really just like a celebration of you know, that side 0:05:49.200 --> 0:05:52.280 of the family. So I'm excited to you know, all 0:05:52.320 --> 0:05:54.880 the drama aside, I'm excited to get us together. 0:05:55.800 --> 0:05:58.120 Yeah. I mean, if anything, the past year, it kind 0:05:58.120 --> 0:06:00.360 of does make you appreciate family, especially your old family, 0:06:00.400 --> 0:06:02.720 because a lot of people don't have family that they 0:06:02.760 --> 0:06:04.280 had at this start of the pandemic. So it's like, 0:06:04.279 --> 0:06:05.440 all right, you know, I need to make it more 0:06:05.480 --> 0:06:07.080 of a point to you know, see my parents and 0:06:07.480 --> 0:06:09.520 be around these people who you know you're only gonna 0:06:09.520 --> 0:06:10.240 be around for so long. 0:06:10.839 --> 0:06:15.480 Absolutely. Yeah, well awkward. I mean, honestly, I've been thinking 0:06:15.520 --> 0:06:19.000 a lot about awkward money conversations lately because for my 0:06:19.080 --> 0:06:23.080 husband and I, one of the ongoing arguments. I don't 0:06:23.080 --> 0:06:25.520 know if i'd call it awkward as much as just 0:06:25.520 --> 0:06:30.359 just a complete difference of opinion about how to spend 0:06:30.360 --> 0:06:33.560 our money. Really has has always been for maybe the 0:06:34.080 --> 0:06:37.599 ninety percent of our relationship, we have spent arguing back 0:06:37.640 --> 0:06:41.760 and forth about whether or not to get a Tesla. Oh, 0:06:41.920 --> 0:06:44.080 are you familiar with Tesla's, Chris. 0:06:44.040 --> 0:06:46.800 I'm very familiar with Tesla's. I've been. I've been stalking 0:06:47.160 --> 0:06:50.000 Tesla's for many years. I've not I've not met one 0:06:50.000 --> 0:06:51.760 and brought one into my home yet, but I've been 0:06:51.800 --> 0:06:52.360 watching them. 0:06:53.800 --> 0:06:55.440 Yeah, so was my husband. I mean, this was one 0:06:55.480 --> 0:06:57.960 of the first huge fights we ever had. Was when 0:06:58.000 --> 0:07:00.880 we were it was twenty sixteen or something like that. 0:07:00.920 --> 0:07:03.960 We had moved in with his parents to pay no 0:07:04.080 --> 0:07:06.200 rent so that we could save up for our wedding. 0:07:06.680 --> 0:07:09.240 And you know, and me, I'm the personal finance expert 0:07:09.240 --> 0:07:11.880 in our relationship, so I like to say, and I'm 0:07:11.960 --> 0:07:14.120 kind of uptight and maybe a tiny bit of a 0:07:14.120 --> 0:07:16.760 control freak about our whole saving and plan, you know, 0:07:16.840 --> 0:07:19.200 especially at that time when we were really working hard 0:07:19.240 --> 0:07:22.720 to set something aside and pay for the wedding in cash, 0:07:22.760 --> 0:07:25.480 and at the time you could reserve a Tesla. I 0:07:25.520 --> 0:07:28.400 forget which model. It was like the one, two, three, 0:07:28.520 --> 0:07:32.320 X y Z. Who knows, And I you know, he 0:07:32.000 --> 0:07:34.520 said he talked about Tesla's but I just you know, 0:07:34.600 --> 0:07:36.960 it's kind of like sports. I just just in one 0:07:37.000 --> 0:07:38.880 year out the next like, yeah, he's into that thing. 0:07:39.560 --> 0:07:42.480 Shouldn't be get a Like yeah, sure, that sounds like 0:07:42.480 --> 0:07:44.880 a luxury car. We could never afford, so why even 0:07:45.400 --> 0:07:48.560 you know, entertain that. But one day I got the 0:07:48.640 --> 0:07:50.760 mail and there was this letter in it and it 0:07:50.840 --> 0:07:56.520 was like, congratulations, we've we've gotten your thousand dollars commitment 0:07:56.640 --> 0:07:59.840 and you're in line to get a Tesla. And I sat, 0:08:00.120 --> 0:08:04.559 oh what, oh man, I was mad. I mean, looking 0:08:04.600 --> 0:08:06.600 back on it now, a thousand, I mean it was 0:08:06.640 --> 0:08:09.320 it was a lot of money, especially when we were 0:08:09.360 --> 0:08:14.440 literally just putting ourselves so in such an uncomfortable situation 0:08:14.520 --> 0:08:16.679 living with his parents with one bathroom in a teeny 0:08:16.720 --> 0:08:19.880 tiny apartment with like no air conditioning and the warst 0:08:19.920 --> 0:08:23.200 summer in New York. You know, we were struggling. And 0:08:23.240 --> 0:08:26.120 I'm like, but you spent, like you put down it, 0:08:26.200 --> 0:08:28.040 not even to get the car, just to get in 0:08:28.080 --> 0:08:31.400 line for the car. So that is how far back 0:08:31.520 --> 0:08:36.760 our Tesla you know, our Tesla debate has gone, or battle, 0:08:36.800 --> 0:08:40.320 I should say. And for how many years has it been? 0:08:40.400 --> 0:08:40.720 Chris? 0:08:40.760 --> 0:08:43.280 For five, six, seven years? I have held him. I 0:08:43.280 --> 0:08:46.040 have held it at Bay. We got the we did 0:08:46.080 --> 0:08:50.520 the wedding, we did the honeymoon, we got our house, 0:08:51.120 --> 0:08:54.839 we did the renovation. We had a baby, we had 0:08:54.880 --> 0:08:59.320 a pandemic, and finally I ran out of excuses, Chris, 0:09:00.840 --> 0:09:03.000 I ran out of reasons not to get a Tesla. 0:09:03.120 --> 0:09:06.160 That is what happened, and we took the We took 0:09:06.200 --> 0:09:10.880 our baby Tesla home today from the Tesla, the Tesla 0:09:10.960 --> 0:09:13.880 cabbage patch factory thing. Yeah. 0:09:13.960 --> 0:09:15.959 Well, I mean, well, congratulations on the car. I mean, 0:09:15.960 --> 0:09:18.640 that's that's some patience to stick it out all of 0:09:18.679 --> 0:09:21.360 that time, through all those life events and just like 0:09:21.400 --> 0:09:23.360 hold out hope. Man, I know, I know one day 0:09:23.360 --> 0:09:24.640 that Testa's gonna make it home. 0:09:25.720 --> 0:09:28.880 He really, I mean, he's the underdog in any like 0:09:29.000 --> 0:09:31.760 sports and sports movie, except instead of sports. It's like, 0:09:32.240 --> 0:09:34.600 I just really want to get this this Tesla. And 0:09:35.160 --> 0:09:37.559 the number of people we haven't told a lot of 0:09:37.600 --> 0:09:40.160 people but friends and family who he's told. I mean, 0:09:40.200 --> 0:09:42.280 everyone knows what it means to him, because that is 0:09:42.440 --> 0:09:46.080 how obsessed this man has been with this car. But 0:09:46.200 --> 0:09:50.320 he's very consistent. I mean he literally installed Are you handy? 0:09:50.400 --> 0:09:52.200 I know, do you guys have a house? Are you renting? 0:09:52.840 --> 0:09:54.760 We're renting, so, I mean I can. I can only 0:09:54.840 --> 0:09:56.240 do so much, but I can. I can use a 0:09:56.240 --> 0:09:58.040 power drill. I can say I can do that much. 0:09:58.120 --> 0:10:01.560 Okay, that's pretty impressive. Well, we were renting. We rented 0:10:01.600 --> 0:10:03.200 for so long before we got the house, and he 0:10:03.840 --> 0:10:06.280 literally he went to the library took out a book 0:10:06.480 --> 0:10:09.319 on how to do his own electric and he has 0:10:09.360 --> 0:10:12.920 been doing all these little electrical projects and he actually 0:10:13.080 --> 0:10:16.640 installed the charging station for the Tesla, like he made 0:10:16.679 --> 0:10:20.080 it himself before he even had a Tesla, Like he 0:10:20.160 --> 0:10:23.680 has been manifesting this Tesla for such a long time. 0:10:24.240 --> 0:10:26.960 And to see his face, it was actually I was 0:10:27.000 --> 0:10:30.040 excited too. It's not like I don't like nice things, 0:10:30.200 --> 0:10:33.280 you know, Like I love electric vehicles. They're the way, 0:10:33.400 --> 0:10:36.880 the future, all that stuff. It was. It's a cool car, 0:10:36.920 --> 0:10:42.640 but it's just so not anything I had ever, you know, 0:10:42.800 --> 0:10:45.480 in terms of like my values. It's never I was 0:10:45.520 --> 0:10:47.520 never going to spend a lot of money on a car. 0:10:47.600 --> 0:10:50.320 It just wasn't a part of my personal I don't 0:10:50.320 --> 0:10:53.600 know idea of what my values are when it comes 0:10:53.640 --> 0:10:55.760 to money. Do you in your do you and your 0:10:55.800 --> 0:10:58.600 wife do y' all have those types of like stalemates 0:10:58.600 --> 0:11:01.959 where it's just about are your value my value? For example, 0:11:02.040 --> 0:11:05.360 I would I would choose travel over everything, and Enrique 0:11:05.520 --> 0:11:07.480 was like, I really want this car, and that's where 0:11:07.480 --> 0:11:10.000 we kind of came to head. So do you guys 0:11:10.040 --> 0:11:14.079 have any of those big like disagreements. 0:11:14.600 --> 0:11:16.679 Yeah, I mean we definitely have. I mean, I want 0:11:16.720 --> 0:11:18.880 to say too, but that that's some dedication. He was like, 0:11:18.880 --> 0:11:21.120 its just prepping. He was prepping. He put his own 0:11:21.200 --> 0:11:23.160 charger in there in advance. He just knew it was 0:11:23.160 --> 0:11:27.800 gonna happen. I just, man, that's I'm impressed we've had 0:11:27.840 --> 0:11:29.800 those for sure. Like I think I'm more on your 0:11:29.880 --> 0:11:33.959 side where I'm like, Okay, I have these financial goals. 0:11:34.040 --> 0:11:36.800 I'm not doing anything else until I get to where 0:11:36.840 --> 0:11:40.400 I'm going on this. And I'm also I'm not a 0:11:40.400 --> 0:11:43.839 big spender, Like I'll spend occasionally, but I don't. It 0:11:43.880 --> 0:11:46.080 doesn't bother me not to, like, you know, say all right, 0:11:46.080 --> 0:11:47.560 I'm not going to do this because it costs money 0:11:47.559 --> 0:11:50.439 and I'll just I'll be fine. And I think that's 0:11:50.480 --> 0:11:52.719 where we butted heads because for my wife, she's like, well, 0:11:52.720 --> 0:11:54.640 look we need if we need this for the house 0:11:54.760 --> 0:11:57.440 or we need to do this, and it's important, it's 0:11:57.480 --> 0:11:59.360 worth the money, and I'm like, what, But is it though? 0:11:59.440 --> 0:12:03.080 Really is it really worth the money? Because I'm kind 0:12:03.080 --> 0:12:05.960 of liking seeing the savings account to actually grow. Is 0:12:06.000 --> 0:12:08.160 it really worth it? Like I can give up a 0:12:08.200 --> 0:12:10.640 lot just for the satisfaction of seeing that I have 0:12:10.760 --> 0:12:13.640 something in savings, That's what I'm saying. So we've definitely 0:12:13.720 --> 0:12:14.280 what's the money? 0:12:14.320 --> 0:12:17.880 Therefore, if not to just see it like I see it, 0:12:17.920 --> 0:12:19.320 I want to feel it. I want to like play 0:12:19.360 --> 0:12:22.600 and roll around in it digitally. Of course, it's really 0:12:22.600 --> 0:12:25.319 hard to give it up. It's really hard, it is. 0:12:25.320 --> 0:12:27.240 It almost it almost hurts a little bit. There's been 0:12:27.240 --> 0:12:28.720 times where stuff has come up and we've had to 0:12:28.880 --> 0:12:30.959 pull a big chunk from the savings and I feel 0:12:30.960 --> 0:12:33.320 like I was physically in pain when I went and 0:12:33.320 --> 0:12:35.800 pulled the money out, Like it hurt me, and I 0:12:35.840 --> 0:12:38.520 was like, maybe I shouldn't care this much, But you know, 0:12:38.559 --> 0:12:40.080 it's just one of those things where it's like this. 0:12:40.440 --> 0:12:42.800 It's like my example of my hard work. Like I 0:12:42.920 --> 0:12:45.160 seeing that balance is like, look, we did that, we 0:12:45.720 --> 0:12:48.640 made it. We made it to this point, and it's 0:12:48.640 --> 0:12:49.360 hard to give it up. 0:12:50.080 --> 0:12:52.760 Yeah, that's how I felt anytime we've like we paid 0:12:52.800 --> 0:12:56.640 off the last bit of our home renovation last summer 0:12:56.720 --> 0:12:59.320 and it was like a twenty thousand dollars hit all 0:12:59.360 --> 0:13:03.240 at once because we had finance something zero percent and 0:13:03.520 --> 0:13:05.360 which was great for the eighteen months we had at 0:13:05.440 --> 0:13:07.840 zero percent, but then you had to the way the 0:13:07.880 --> 0:13:09.600 low of course, the way the loan worked was that 0:13:09.640 --> 0:13:11.000 you were never going to pay it off if you 0:13:11.160 --> 0:13:13.960 just did the minimum payments until the end of the 0:13:14.000 --> 0:13:16.800 eighteen months. And then of course they yeah, of course, 0:13:16.920 --> 0:13:19.840 and they had the like deferred interest clause, which basically says, 0:13:20.120 --> 0:13:22.800 if you leave even one penny left on this loan 0:13:22.920 --> 0:13:25.760 after this promotional period's over, oh we're going to pretend 0:13:25.760 --> 0:13:28.199 like you always paid interest on this huge loan and 0:13:28.240 --> 0:13:30.120 we're going to attach it. We're going to add it 0:13:30.200 --> 0:13:32.720 right on top of what's left. So we you know, 0:13:32.840 --> 0:13:35.839 had that big kind of lump sum payment that went 0:13:35.880 --> 0:13:38.440 out and yeah, it's been but that's always been my 0:13:38.440 --> 0:13:40.880 excuse I'm always like, Okay, you know we're going to 0:13:40.960 --> 0:13:42.920 get this house. That's a big chunk for the down payment, 0:13:42.960 --> 0:13:44.960 then the renovation. Okay, let's get that out of the way. 0:13:45.480 --> 0:13:48.439 And then I literally just ran out of things and 0:13:49.640 --> 0:13:53.160 he's yeah, and it's but I have to say, as 0:13:53.480 --> 0:13:58.160 painful as it can be, at least it has brought 0:13:58.240 --> 0:14:00.360 him joy, you know. I think that's where I was 0:14:00.440 --> 0:14:04.720 really too stubborn a little bit was And I apologize. 0:14:04.920 --> 0:14:06.720 I really did apologize to him. I don't know, I 0:14:06.760 --> 0:14:09.760 just because for him, and he really sat down and 0:14:09.800 --> 0:14:12.440 he's like, look, look, it's almost as if you're saying 0:14:12.440 --> 0:14:15.840 what I value doesn't matter. You know. What I value 0:14:15.960 --> 0:14:20.560 is amazing technology, safe travel. You know, I want to 0:14:20.600 --> 0:14:24.080 be a part of you know, clean technology, like this 0:14:24.360 --> 0:14:28.400 electric vehicle. He and he's an expert in this car 0:14:28.480 --> 0:14:31.440 and the company. He's read the damn book, you know 0:14:31.600 --> 0:14:34.760 on what's his face, the CEO, Elon Musk, like he's 0:14:34.800 --> 0:14:38.120 read his memoir. He's he's all in. You know, we 0:14:38.160 --> 0:14:41.400 even own Tesla stock. And he had been saving this 0:14:41.440 --> 0:14:43.600 past year. He had an investment account and then he 0:14:43.680 --> 0:14:46.560 also was putting aside money to save for his Tesla so, 0:14:47.240 --> 0:14:49.880 and he's like, honestly, it's starting to really get ridiculous 0:14:50.360 --> 0:14:52.520 the fact that you're not willing to budge here. And 0:14:53.520 --> 0:14:55.920 but yeah, I was just so single minded and it 0:14:55.960 --> 0:14:57.960 feels good to just like get over myself a little 0:14:58.000 --> 0:15:00.320 bit and have some damn fun with the money that 0:15:00.360 --> 0:15:02.560 we've you know, work so hard for. 0:15:03.920 --> 0:15:05.920 You know, it's one of those things where you kind 0:15:05.960 --> 0:15:07.640 of can get the tunnel vision almost and you just 0:15:07.800 --> 0:15:12.000 forget that there is some enjoyment that comes with enjoying 0:15:12.000 --> 0:15:15.240 the money that you've worked hard to earn. Yeah, and 0:15:15.320 --> 0:15:16.880 you kind of just I don't know, and especially like 0:15:16.920 --> 0:15:18.960 I think too. For me, it was hard seeing from 0:15:18.960 --> 0:15:22.960 my wife's point of view the things that she values 0:15:23.000 --> 0:15:24.720 that sometimes you know, if it does cost money, it's 0:15:25.080 --> 0:15:28.560 worth it because it's meaningful, it had, it brings joy, 0:15:28.800 --> 0:15:31.760 it adds to your life, to her life having these things. 0:15:32.200 --> 0:15:34.320 And it's not just so, you know, I just want 0:15:34.320 --> 0:15:35.800 to spend money. It's like, no, these are things I 0:15:35.880 --> 0:15:38.760 value doing and just because I don't value them doesn't 0:15:38.760 --> 0:15:40.520 make them valuable to some woman else. And that's it's 0:15:40.560 --> 0:15:42.440 hard to it's kind of hard to reprehen hit your 0:15:42.440 --> 0:15:42.920 head around that. 0:15:43.800 --> 0:15:45.640 I mean what's your guilty pleasure. Don't you have like 0:15:45.640 --> 0:15:49.040 a tiny house addiction? I do kind of come home 0:15:49.040 --> 0:15:50.280 with a tiny house one day. 0:15:51.120 --> 0:15:53.120 You know, if I could, if it wasn't so hard 0:15:53.120 --> 0:15:55.000 in California, I might have bought one. At this point, 0:15:55.480 --> 0:15:57.240 I would say, I don't. That's the thing. I don't 0:15:57.240 --> 0:16:01.560 really buy too many things. But technology is probably my 0:16:02.160 --> 0:16:05.040 weakness when it comes to like gadgets and devices and 0:16:05.040 --> 0:16:08.840 computers and tablets and microphones things like that. But I 0:16:08.880 --> 0:16:10.480 kind of can hide that behind the podcast. So I 0:16:10.520 --> 0:16:12.240 think that's how I convinced myself, Well, I'm not really 0:16:12.280 --> 0:16:17.360 spending Yeah, this is a business expense, right, that is 0:16:17.360 --> 0:16:20.560 for sure. My weakness is like anything that connects to 0:16:20.600 --> 0:16:22.560 the internet. I'm eyeing. 0:16:23.640 --> 0:16:25.480 Yeah. I told him. I was like, I feel like 0:16:25.480 --> 0:16:27.520 a real hypocrite when I start thinking about all the 0:16:27.560 --> 0:16:31.680 money we spend on Broadway, and I mean the things 0:16:31.680 --> 0:16:34.800 that I've enjoyed doing vacations and stuff. And he's like, 0:16:34.840 --> 0:16:37.560 can I have something? So we got and you know what, 0:16:37.640 --> 0:16:40.880 the Tesla purchase, I have to say, was made possible 0:16:40.920 --> 0:16:43.960 in part by this crazy, ridiculous economy that we have 0:16:44.080 --> 0:16:48.120 right now that has somehow made used cars more valuable 0:16:48.120 --> 0:16:51.320 than they were a year ago, which is insane. So 0:16:51.360 --> 0:16:54.680 we actually, yeah, we ended up selling our We had 0:16:54.680 --> 0:17:00.160 a twenty sixteen Mazda some CX five. I think we 0:17:00.440 --> 0:17:04.600 ended up listing that on a Facebook marketplace to sell it, 0:17:04.640 --> 0:17:07.719 and kind of we weren't necessarily going to sell it, 0:17:07.760 --> 0:17:10.120 but when we actually looked at what we could get 0:17:10.119 --> 0:17:12.359 for it. I think Enrique, my husband, he had checked 0:17:12.359 --> 0:17:14.840 a year ago and saw that the car was valued 0:17:14.880 --> 0:17:18.240 at thirteen thousand dollars on the resale market. Today it's 0:17:18.359 --> 0:17:21.080 valued us It was valued at sixteen thousand dollars, or 0:17:21.080 --> 0:17:22.239 at least that's what we sold it for. 0:17:22.600 --> 0:17:23.520 That makes no sense. 0:17:23.840 --> 0:17:27.760 It's crat craz We bought it for nineteen thousand, like 0:17:28.160 --> 0:17:30.720 five years ago. You know, that's just not a thing 0:17:30.760 --> 0:17:33.960 that cars do. I thought, so by selling it, we 0:17:34.040 --> 0:17:36.920 definitely were able to eat away some of the cost 0:17:36.920 --> 0:17:39.760 of upfront cost of a Tesla, and you know, that 0:17:39.840 --> 0:17:42.360 felt good and kind of take advantage of this topsy 0:17:42.440 --> 0:17:44.720 turvy economy right now. 0:17:45.440 --> 0:17:47.600 Yeah, you know, funny enough, I had a friend yesterday 0:17:47.640 --> 0:17:49.720 I met it with him for the first time since 0:17:50.119 --> 0:17:53.400 the pandemic started, and we were talking about the used 0:17:53.400 --> 0:17:55.240 car market, and I told him, yeah, my car. I 0:17:55.240 --> 0:17:57.840 bought a used car. It was a twenty fourteen Hondai. 0:17:58.359 --> 0:18:01.560 I bought it in twenty seventeen, and I'm sorry, twenty nineteen. 0:18:01.600 --> 0:18:04.720 I bought it and it all. I bought it for 0:18:04.720 --> 0:18:07.960 twenty one thousand, and it's now worth nineteen thousand, five 0:18:08.040 --> 0:18:10.439 hundred and I've had this car for three years. And 0:18:10.440 --> 0:18:12.040 he's like, you just need to sell it. And I 0:18:12.080 --> 0:18:13.480 was like, but then I got to buy another car. 0:18:13.760 --> 0:18:15.000 You got to buy another car, yep. 0:18:15.760 --> 0:18:17.720 But really he was really pushing me. He's like, we'll 0:18:17.760 --> 0:18:19.400 just buy a new car. Then I was like, well, hey, 0:18:19.440 --> 0:18:21.240 it's easy for you to make decisions with my money. 0:18:21.280 --> 0:18:24.720 But I'm he's really getting into my head. 0:18:24.760 --> 0:18:24.879 Now. 0:18:24.880 --> 0:18:26.400 I'm like, well, I don't know, because I mean, I'm 0:18:26.400 --> 0:18:28.680 not gonna lie that I have not also been looking 0:18:28.720 --> 0:18:29.280 at Teslas. 0:18:29.359 --> 0:18:32.199 I mean, that's the thing. I mean, if this is 0:18:32.240 --> 0:18:34.960 the rationale, and believe me, we were just at a 0:18:35.000 --> 0:18:38.160 friend's house yesterday and Enrique has now become that friend 0:18:38.160 --> 0:18:41.320 at the cookout who had a really lucky set of 0:18:41.359 --> 0:18:44.080 circumstances happened, and he's like ready to tell everybody to 0:18:44.080 --> 0:18:46.960 follow in his footsteps. Listen, don't be that person at 0:18:47.000 --> 0:18:49.359 the cookout. Not everybody like can do the things that 0:18:49.400 --> 0:18:52.480 worked out specifically for you in your situation. But he's like, yeah, 0:18:52.520 --> 0:18:55.000 youhould sell your car, you know, to our cousin. Sell 0:18:55.040 --> 0:18:56.720 your car and then you can get enough something else. 0:18:56.760 --> 0:18:59.679 But the other thing is like, do you own that 0:18:59.720 --> 0:19:01.760 cart right or do you still have a loan on it? 0:19:02.240 --> 0:19:04.040