WEBVTT - Wives & Money... Part V #704

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<v Speaker 1>Welcome to How to Money.

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<v Speaker 2>I'm Joel, and I am Matt, I'm Emily, I'm Kate.

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<v Speaker 3>That's right, and today we're recording an episode with our

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<v Speaker 3>wives talking about money.

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<v Speaker 1>That's right, man. This is our fifth annual. Is that

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<v Speaker 1>what we're gonna call this? We do this just about

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<v Speaker 1>every year, and specifically we do it while we're at

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<v Speaker 1>the beach. It's a way for us to not get

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<v Speaker 1>too far behind in the episodes that we're creating. So

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<v Speaker 1>we make a little bit of work with pleasure. And

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<v Speaker 1>we've got our wives here, Kate and Emily. And before

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<v Speaker 1>we get to the questions, Yanna, what do y'all think

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<v Speaker 1>about this house that we're staying in? Because I'll go

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<v Speaker 1>ahead and quick explainer. This is by far the nicest

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<v Speaker 1>beach house that we've stayed in, and I would say

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<v Speaker 1>that we come a long way since some of the

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<v Speaker 1>early beach days.

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<v Speaker 2>Have we Ever, we have more than one bathroom for

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<v Speaker 2>eleven people, so that is a win. Now, this house

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<v Speaker 2>is awesome. It has a pool, which is fantastic when

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<v Speaker 2>you got seven kids.

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<v Speaker 1>Yeah, I think it looks like Kate does not like it.

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<v Speaker 1>She's just pounding over there for some reason. But o.

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<v Speaker 1>Kate does like it because well, it's got the dopest

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<v Speaker 1>stove that we've ever cooked on. Have you ever?

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<v Speaker 2>No?

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<v Speaker 4>No, and now I will cook on nothing else.

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<v Speaker 3>Yeah, So that's not good for your budget.

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<v Speaker 1>You feel like it's worth it the additional money for

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<v Speaker 1>the additional luxury. I think it was.

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<v Speaker 3>I was thinking just this morning, how we Emily mentioned

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<v Speaker 3>a house with just one bathroom which we legitimately stayed

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<v Speaker 3>at in Jacksonville Beach. There was one like outside, but

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<v Speaker 3>then there was one inside, and so for all of

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<v Speaker 3>us to share that bathroom is literally like an outhouse.

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<v Speaker 2>Yeah yeah, yeah, yeah, you when you were in there.

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<v Speaker 3>So it was like splitting that house was kind of crazy,

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<v Speaker 3>and it was we remember we finally figured out the

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<v Speaker 3>name spelled backwards it was it was called autumn Ott

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<v Speaker 3>and we were like, what does that mean? It was

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<v Speaker 3>tomatoes spelled backwards because they had tomato stuff all up

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<v Speaker 3>in the kitchen.

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<v Speaker 1>We were sitting there playing games, and yeah, I looked

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<v Speaker 1>up there and realized that, holy, it's like it was

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<v Speaker 1>It's like the scene in The Shining where the kids

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<v Speaker 1>saying red rum the whole time, and finally it clicks

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<v Speaker 1>and we're all kind of horrified.

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<v Speaker 2>That's actually exactly how it went.

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<v Speaker 1>Down, and we're like, that's why there's tomato parafernally. Yeah.

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<v Speaker 3>Yeah, as the kids get older, it's like we need

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<v Speaker 3>a little more space and and so and this.

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<v Speaker 1>This is definitely an upgrade.

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<v Speaker 3>But I think it's nice to go from uh like

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<v Speaker 3>crummy slumming it, and it makes you appreciate the nicer

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<v Speaker 3>thing a little bit more than if you just like

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<v Speaker 3>upgrade all the time and everything's nice all the time.

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<v Speaker 3>So I don't know, I have fond memories of that trip,

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<v Speaker 3>even though I know, like going number two was weird

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<v Speaker 3>because there was one bathroom.

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<v Speaker 2>Everyone was there.

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<v Speaker 1>It was awkward.

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<v Speaker 2>I also want to just shout out that we have

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<v Speaker 2>no kids and diapers for the first time on this vacation.

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<v Speaker 2>Everyone swimming. I mean, the boys are on lifefest, but

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<v Speaker 2>they're swimming, and it is a game changer.

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<v Speaker 1>I feel more like a like an adult rather than

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<v Speaker 1>a parent chasing chasing a kid.

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<v Speaker 2>I've actually read a book, like maybe only a chapter,

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<v Speaker 2>but that is the first in a lot of years.

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<v Speaker 1>Yeah. Yeah, it's okay, different, definitely different vibes. Do you

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<v Speaker 1>So here's my here's my question. Or thought for y'all.

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<v Speaker 1>Do y'all have any regrets about this house, because I'll

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<v Speaker 1>go ahead and say I think I have been the

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<v Speaker 1>one that has had the most not cold feet. But

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<v Speaker 1>when we were initially looking at some of the different properties,

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<v Speaker 1>I was just like, Oh my gosh, are we really

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<v Speaker 1>going to spend? Like literally when you use Kate sent

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<v Speaker 1>it out as a joke, I was like, oh, we

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<v Speaker 1>could get this one, ha ha. But then we basically

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<v Speaker 1>the more we looked at it, the more we thought,

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<v Speaker 1>oh no, what if we got this, This would be amazing, zero.

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<v Speaker 2>Regrets, more jokes, no regrets, no regrets. Let's do it

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<v Speaker 2>again next year.

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<v Speaker 1>It's great. Yep. I think this one is worth the money.

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<v Speaker 3>It's an anial trip and I don't know it's even

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<v Speaker 3>proximity to the beach, walking there, the pool, all that stuff.

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<v Speaker 1>It's this. This is like it's definitely got the like

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<v Speaker 1>the value is there. Yeah, we couldn't go back to Atama.

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<v Speaker 1>That would be the one. Like it's worth the money.

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<v Speaker 1>It's just it always comes under the individual, like is

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<v Speaker 1>it worth the money to the person? Like is it

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<v Speaker 1>worth the money to us? Essentially? Yes?

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<v Speaker 2>Yea seven kids, I mean the kids in the huh.

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<v Speaker 4>Yeah, well, I mean you guys still reach out and

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<v Speaker 4>ask for a discount, didn't you.

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<v Speaker 3>Oh yeah, well, I think we had initially booked it

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<v Speaker 3>through Airbnb. And then this is a little trick by

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<v Speaker 3>the way. You see, you see who lists it, and

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<v Speaker 3>oftentimes it's a vacation rental company. And then we were like,

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<v Speaker 3>wait a second, we're still in the cancelation window. Let's

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<v Speaker 3>cancel this joker. After we reach out to the vacation

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<v Speaker 3>rental company and it was like thousands of dollars less then,

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<v Speaker 3>and and so literally I was looking up the dates

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<v Speaker 3>for next year. It's more than it's a more than

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<v Speaker 3>three thousand dollars difference if you book through Airbnb versus

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<v Speaker 3>booking directly.

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<v Speaker 1>Holy count.

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<v Speaker 3>So when that's when you're looking on airby me and

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<v Speaker 3>you see a place, don't necessarily book right away. Maybe

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<v Speaker 3>maybe you can see if the owner or the vacation

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<v Speaker 3>rental agency can give you a better price.

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<v Speaker 1>That's right, Okay, So let's go ahead and get in

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<v Speaker 1>the questions before hour before kids start making their way

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<v Speaker 1>up here after the movie runs out downstairs. I think

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<v Speaker 1>we should probably start this episode off the way we

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<v Speaker 1>start off our interviews, which is we always ask guests

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<v Speaker 1>and y'all know this, ladies, but we ask our guests

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<v Speaker 1>what their craft beer equivalent is, Like, what is their

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<v Speaker 1>splurge the thing that they spend money on that to

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<v Speaker 1>a lot of folks is maybe a complete waste of money. So,

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<v Speaker 1>first of all, Susanne, I think she wanted to know

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<v Speaker 1>if y'all like Kraft beer. But then secondly, like, what

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<v Speaker 1>is something you actually splurge on? And specifically she was

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<v Speaker 1>wanting to know if we have a splurge budget, do

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<v Speaker 1>we set money aside for splurges for us individually? Kate?

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<v Speaker 1>How about you kick it off?

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<v Speaker 4>Sure? I do like craft beer. We enjoy visiting brewers

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<v Speaker 4>and different cities when we visit, and it's just sort

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<v Speaker 4>of one thing we do when we travel, but it

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<v Speaker 4>is not my craft beer. Does that make it's I

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<v Speaker 4>love craft beer, but it is not my craft beer.

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<v Speaker 4>My craft beer equivalent, like money, splurge is probably plants.

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<v Speaker 1>Yeah, I can attest to that.

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<v Speaker 4>Plants inside and outside, and probably also art supplies. Buy

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<v Speaker 4>so many art supplies for projects that are unnecessary but fun.

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<v Speaker 4>So yeah, that's what that's what mine would be.

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<v Speaker 1>That is something that you spend money on that. I

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<v Speaker 1>think most people would say, what you're spending how much

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<v Speaker 1>on paper or things that you think should not cost

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<v Speaker 1>a lot of money?

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<v Speaker 2>But yeah, yeah, I also love craft beer and but yes,

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<v Speaker 2>it's not my splurge. If I was going to splurge

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<v Speaker 2>me in in this season of life, I think two things. Books.

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<v Speaker 2>I'm reading a lot of books, and I love books.

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<v Speaker 2>I'm willing to spend money on it. But also just

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<v Speaker 2>convenience right now, like we're doing instacart this week instead

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<v Speaker 2>of having to go to the grocery store, and it

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<v Speaker 2>is amazing. I wouldn't normally do that, but anything that

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<v Speaker 2>kind of is convenient, and this season helps speeds things

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<v Speaker 2>up or it gives me more time. I am all

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<v Speaker 2>about it.

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<v Speaker 1>Well, I'll say that I did go to the grocery

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<v Speaker 1>store yesterday, So what we might do with some is

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<v Speaker 1>car but yeah.

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<v Speaker 4>That's true.

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<v Speaker 1>We tipped you, though, we tipped you for yours.

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<v Speaker 2>Grocery store.

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<v Speaker 3>Uh, so we're going to get some more list for

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<v Speaker 3>questions later on. There were a lot of thoughtful ones

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<v Speaker 3>posted in the Facebook group. Can't wait to get to those.

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<v Speaker 3>But real quick, I think we should talk about like

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<v Speaker 3>this this time last year, our beach trip last year,

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<v Speaker 3>we were still not We were planning on moving, but

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<v Speaker 3>we weren't sure if we were going to pull it off,

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<v Speaker 3>especially our family. You guys were under contract or had

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<v Speaker 3>already even closed maybe, I guess on the house, and

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<v Speaker 3>we were like maybe. And then quickly thereafter we ended

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<v Speaker 3>up going on our contract on a place. We both

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<v Speaker 3>moved a week apart from one another, moved to the

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<v Speaker 3>burbs from the city. And it's been an interesting year, uh,

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<v Speaker 3>to say the least for our families, as we've adjusted

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<v Speaker 3>to kind of a new a new way of life

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<v Speaker 3>in a new place. So I'm just curious, Emily, in particular,

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<v Speaker 3>what has this past year taught you before we get

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<v Speaker 3>into like the hardcore money stuff.

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<v Speaker 2>Oh, that's a that's a big question. That's a fun question.

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<v Speaker 2>I think it's taught me resilience and adaptability, and that

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<v Speaker 2>it's important to look for the best and the good

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<v Speaker 2>and people and situations even when it's unfamiliar, and that

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<v Speaker 2>you are out of control in life more than you think,

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<v Speaker 2>but that that's not a bad thing.

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<v Speaker 3>Well, and I think partly what you're referring to, Emily

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<v Speaker 3>as well, like a tree came crashing throw roof, We've

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<v Speaker 3>been in a we've got rear ended in a car accident,

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<v Speaker 3>so we've been displaced out of our home for a

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<v Speaker 3>couple of months. So it's been for us even more

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<v Speaker 3>than just moving to a new place. All those other

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<v Speaker 3>things added in which is made We've gone.

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<v Speaker 2>To a lot of and how to usher three kids

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<v Speaker 2>through a lot of change. And so I think that's

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<v Speaker 2>just showed us a lot about ourselves and a lot

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<v Speaker 2>about other people, and how do you just make the

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<v Speaker 2>best of it even if it's not ideal, and how

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<v Speaker 2>to be grateful for what things are, even if they're

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<v Speaker 2>not familiar. I like control. I think I've said it

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<v Speaker 2>before on this podcast. I really like control. And this

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<v Speaker 2>has been a year in which I just haven't been

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<v Speaker 2>in control. But that's been a good thing. I'm also

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<v Speaker 2>grateful for where we've landed. It's been good. It's just

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<v Speaker 2>taught us a.

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<v Speaker 1>Lot what's specifically about the move. And so I mean

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<v Speaker 1>we've I think you know this, but we recorded an

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<v Speaker 1>entire episode, maybe right after we moved, or maybe right before,

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<v Speaker 1>talking about just the different reasons how to move and

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<v Speaker 1>the different factors that we considered. But what about moving

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<v Speaker 1>to our our little burb just outside of Atlanta. What

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<v Speaker 1>has made that, I guess worth the move.

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<v Speaker 2>Yeah. Space partly. I mean we have a huge yard. Now,

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<v Speaker 2>we have a driveway for the first time. It is

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<v Speaker 2>hilarious how much our kids are like, it's a driveway,

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<v Speaker 2>we can play games a garage.

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<v Speaker 1>Like yeah, honestly, I know that I have made fun

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<v Speaker 1>of garages in the past. I'm like, it's a house

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<v Speaker 1>for your car, yeah, and like, who's going. But the

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<v Speaker 1>utility that comes with having a garage, it's incredible. I

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<v Speaker 1>mean all of the it's it's where you put all

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<v Speaker 1>the things that you use outside, but you don't necessarily

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<v Speaker 1>want to soar them. In's side, I'm like, Okay, I

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<v Speaker 1>guess I've kind of come around, you know, when it

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<v Speaker 1>comes to garages. But yeah, they're great. All the things

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<v Speaker 1>that were where we moved. Yeah, more space, like you said,

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<v Speaker 1>but just being closer to nature. There's a certain degree

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<v Speaker 1>of like the neighborhoods and the town encourage family life essentially,

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<v Speaker 1>Like there's a lot of things that make it I

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<v Speaker 1>think easier sort of like you're saying, like you're talking

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<v Speaker 1>about convenience, and it's certainly it's certainly possible to raise

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<v Speaker 1>a family in town. But I do think that, at

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<v Speaker 1>least for us, like there was a mindset shift that

0:10:21.679 --> 0:10:23.520
<v Speaker 1>when we moved out to the Burbs, we sort of

0:10:23.520 --> 0:10:25.840
<v Speaker 1>like when we talked about working out, Like when we moved,

0:10:25.920 --> 0:10:27.600
<v Speaker 1>it was easy for me to make this mental shift

0:10:27.640 --> 0:10:30.199
<v Speaker 1>of like, oh, Matt is somebody who works out now,

0:10:30.480 --> 0:10:33.080
<v Speaker 1>but that coincided with a move. So it was like

0:10:33.120 --> 0:10:35.920
<v Speaker 1>this physical, tangible change that took place. And I think

0:10:36.080 --> 0:10:37.559
<v Speaker 1>like the fresh start effect that we talked about with

0:10:37.640 --> 0:10:41.040
<v Speaker 1>Katie Bill exactly exactly, And I think something is similar

0:10:41.080 --> 0:10:43.440
<v Speaker 1>when it comes to sort of making some of these

0:10:43.559 --> 0:10:46.120
<v Speaker 1>what feel like sacrifices at the time, right moving out

0:10:46.160 --> 0:10:50.680
<v Speaker 1>of a city and having this it's a change of mindset,

0:10:51.000 --> 0:10:53.400
<v Speaker 1>while there is still sort of an actual change in

0:10:53.480 --> 0:10:56.800
<v Speaker 1>sort of the amenities or the restaurants or the festivals.

0:10:56.840 --> 0:10:59.040
<v Speaker 1>You know, Like it's a lot different taking our kids

0:10:59.120 --> 0:11:01.080
<v Speaker 1>up to the Square going to a Fourth of July

0:11:01.120 --> 0:11:02.839
<v Speaker 1>Parade than it is to take them to East Atlanta

0:11:02.960 --> 0:11:06.520
<v Speaker 1>Village for the Eastlana Strut, right, And we went to

0:11:06.600 --> 0:11:09.280
<v Speaker 1>both of those through over the past ten years or so.

0:11:09.400 --> 0:11:11.680
<v Speaker 1>But I guess, Kate, like I'm curious if you have

0:11:11.679 --> 0:11:17.000
<v Speaker 1>any regrets or anything you miss, specifically from living out

0:11:17.000 --> 0:11:19.040
<v Speaker 1>here in the burbs as opposed to living in town.

0:11:19.520 --> 0:11:22.000
<v Speaker 4>I don't think this is a regret, but I definitely

0:11:22.160 --> 0:11:27.520
<v Speaker 4>miss the community that we had built over sure fifteen years.

0:11:27.520 --> 0:11:33.400
<v Speaker 4>I mean that was those were old established relationships, and yeah,

0:11:33.440 --> 0:11:35.120
<v Speaker 4>we're kind of jumping in in the middle of a

0:11:35.120 --> 0:11:38.800
<v Speaker 4>lot of old established relationships now and trying to find

0:11:38.840 --> 0:11:42.959
<v Speaker 4>your way into a comfortable position in those people's worlds

0:11:43.080 --> 0:11:45.480
<v Speaker 4>is a little bit hard. They've got rhythms, they've got people.

0:11:45.559 --> 0:11:47.480
<v Speaker 4>They do this every Fourth of July? Do they do

0:11:47.600 --> 0:11:51.319
<v Speaker 4>that every Halloween? Like we are having to figure out

0:11:51.360 --> 0:11:54.080
<v Speaker 4>a lot of stuff sort of from the middle. It

0:11:54.120 --> 0:11:56.760
<v Speaker 4>feels like, I'm glad we didn't do this five years

0:11:56.800 --> 0:11:59.360
<v Speaker 4>from now. It would have been even harder, harder, Like.

0:11:59.280 --> 0:12:01.520
<v Speaker 3>We're trying to pull it or bust into Jerry's apartment,

0:12:01.640 --> 0:12:05.520
<v Speaker 3>But Jerry's apartment is other people's lives, and I agree.

0:12:05.280 --> 0:12:06.480
<v Speaker 4>That's what it does.

0:12:06.800 --> 0:12:08.360
<v Speaker 2>It's hard to be new. I mean, there's just a

0:12:08.440 --> 0:12:10.040
<v Speaker 2>huge learning curve relationally.

0:12:10.160 --> 0:12:10.360
<v Speaker 1>Yeah.

0:12:10.679 --> 0:12:12.800
<v Speaker 4>Yeah, and everyone has been so kind. I don't want

0:12:12.840 --> 0:12:14.959
<v Speaker 4>to I don't want to downplay that at all. Everyone's

0:12:14.960 --> 0:12:17.560
<v Speaker 4>been so nice. It's just your in a rhythm of

0:12:17.600 --> 0:12:20.800
<v Speaker 4>doing certain things and you don't always think of that

0:12:20.960 --> 0:12:23.480
<v Speaker 4>new family down the street, you know, So it does

0:12:23.520 --> 0:12:25.200
<v Speaker 4>make it it's a little hard for me. I'm not

0:12:25.440 --> 0:12:29.000
<v Speaker 4>as bold of a person, and so I would kind

0:12:29.040 --> 0:12:34.000
<v Speaker 4>of rather be invited than like go out and show

0:12:34.120 --> 0:12:36.080
<v Speaker 4>up at people's houses. But I've got to show up

0:12:36.120 --> 0:12:38.480
<v Speaker 4>at some houses. I mean I really have like shown

0:12:38.559 --> 0:12:40.200
<v Speaker 4>up at some people's houses where I didn't know if

0:12:40.240 --> 0:12:42.480
<v Speaker 4>I was going to really know anybody. And I'm just

0:12:42.520 --> 0:12:45.280
<v Speaker 4>gonna see how it goes socially. It can be hard,

0:12:45.559 --> 0:12:47.120
<v Speaker 4>and you kind of do it like for your kids,

0:12:47.160 --> 0:12:49.120
<v Speaker 4>like you know, your kids need the friends too, So

0:12:49.679 --> 0:12:53.120
<v Speaker 4>that's kind of given me confidence to to pour into

0:12:53.160 --> 0:12:55.880
<v Speaker 4>those relationships and try to make them make the best.

0:12:56.160 --> 0:12:59.320
<v Speaker 1>Yeah. Well, the fact is we are closer to a costco,

0:12:59.440 --> 0:13:01.959
<v Speaker 1>so that does make things slightly more affordable. As we've

0:13:01.960 --> 0:13:04.920
<v Speaker 1>been able to fully embrace the costco membership.

0:13:05.240 --> 0:13:08.240
<v Speaker 2>We're not joking about that it meets and all.

0:13:08.320 --> 0:13:10.079
<v Speaker 1>I mean I would again this is something else that

0:13:10.160 --> 0:13:11.839
<v Speaker 1>made fun of. But now that we live closer and

0:13:12.080 --> 0:13:15.079
<v Speaker 1>literally there's a costco closer to us than the Aldie

0:13:15.400 --> 0:13:18.199
<v Speaker 1>by like fifty feet. That's why you got the Kirkland

0:13:18.200 --> 0:13:20.000
<v Speaker 1>signature tattoo on your lower back. Then I love it.

0:13:20.040 --> 0:13:22.520
<v Speaker 1>You're all about it now, which I love pretty much.

0:13:22.559 --> 0:13:23.679
<v Speaker 1>All about it all right?

0:13:23.720 --> 0:13:26.200
<v Speaker 3>So I want to talk real quick too about There

0:13:26.240 --> 0:13:29.040
<v Speaker 3>was a listener question on a recent Ask htm episode

0:13:29.440 --> 0:13:32.120
<v Speaker 3>and it was just so fun to hear from a

0:13:32.160 --> 0:13:36.360
<v Speaker 3>listener who his girlfriend was in grad school to become

0:13:36.360 --> 0:13:39.920
<v Speaker 3>a licensed therapist, and so he was like, has it

0:13:40.080 --> 0:13:42.000
<v Speaker 3>like messed up your world as much as it is

0:13:42.040 --> 0:13:44.920
<v Speaker 3>to mess mine up? I gave my best reply to that,

0:13:44.920 --> 0:13:47.040
<v Speaker 3>talking about have Yeah, it has messed it up, but

0:13:47.160 --> 0:13:50.360
<v Speaker 3>in a lot of good ways too. So Leslie, she said,

0:13:50.600 --> 0:13:53.000
<v Speaker 3>how did you know it was the right time to

0:13:53.000 --> 0:13:55.319
<v Speaker 3>go back to school and eventually the workforce. You're not

0:13:55.320 --> 0:13:57.200
<v Speaker 3>in the workforce yet, you're still in school, but next

0:13:57.240 --> 0:13:59.400
<v Speaker 3>year you're going to start interning, so we're on the

0:13:59.440 --> 0:14:03.400
<v Speaker 3>precipiciode that and did the ages of your children play

0:14:03.440 --> 0:14:06.560
<v Speaker 3>a big role? What's that kind of it's been over

0:14:06.559 --> 0:14:07.640
<v Speaker 3>two years now you've been in school.

0:14:07.679 --> 0:14:08.480
<v Speaker 1>What's been like for us?

0:14:09.520 --> 0:14:13.120
<v Speaker 2>Well? First, my favorite quote has when Joel looked at

0:14:13.120 --> 0:14:15.920
<v Speaker 2>me after proofreading like my third paper and was like,

0:14:15.960 --> 0:14:17.440
<v Speaker 2>you know, I never knew I had so many problems

0:14:17.520 --> 0:14:18.680
<v Speaker 2>until you started grad school.

0:14:20.560 --> 0:14:22.200
<v Speaker 1>But it's big good Chris was bliss.

0:14:23.360 --> 0:14:25.280
<v Speaker 2>Yeah, So I mean it's definitely rocked our world. I

0:14:25.280 --> 0:14:27.960
<v Speaker 2>think again, you know, being new, going back to school,

0:14:28.040 --> 0:14:31.240
<v Speaker 2>learning anything new, you know, it kind of shows you

0:14:31.320 --> 0:14:32.920
<v Speaker 2>who you are in a new light as you develop

0:14:32.960 --> 0:14:35.200
<v Speaker 2>new skills. But I think especially this profession which you're

0:14:35.200 --> 0:14:38.880
<v Speaker 2>doing so much introspection and internal work. So yeah, it

0:14:38.880 --> 0:14:41.680
<v Speaker 2>has It's changed us, and it's changed me I think

0:14:41.720 --> 0:14:44.200
<v Speaker 2>for the better. I think it's helped me feel more

0:14:44.200 --> 0:14:46.640
<v Speaker 2>steady and have a sense of identity and purpose and

0:14:47.080 --> 0:14:50.600
<v Speaker 2>less anxiety. But I'm also specializing in couples and families,

0:14:50.600 --> 0:14:53.360
<v Speaker 2>so we've talked a lot about our relationship and kind

0:14:53.360 --> 0:14:55.160
<v Speaker 2>of learned to say, yeah, this is good, but we

0:14:55.200 --> 0:14:57.440
<v Speaker 2>also long for more. So what does it look like

0:14:57.600 --> 0:15:01.600
<v Speaker 2>to love each other well? And where do we actually

0:15:01.640 --> 0:15:03.200
<v Speaker 2>need to grow? What are we not doing well? And

0:15:03.240 --> 0:15:06.680
<v Speaker 2>that's just a rocky process to be honest and take

0:15:06.720 --> 0:15:09.040
<v Speaker 2>a good look at yourself and your marriage and what

0:15:09.040 --> 0:15:11.280
<v Speaker 2>you've created and to call what's good, but to also

0:15:11.280 --> 0:15:14.960
<v Speaker 2>push yourself to grow. So it's been really really good work,

0:15:15.320 --> 0:15:17.520
<v Speaker 2>but it's also been probably an intense is maybe a

0:15:17.520 --> 0:15:21.080
<v Speaker 2>good word season for us, but good? And then I

0:15:21.120 --> 0:15:23.720
<v Speaker 2>love the question how did I decide to go back? Yes,

0:15:23.760 --> 0:15:26.600
<v Speaker 2>my kids' ages had a lot to do with it.

0:15:26.800 --> 0:15:30.480
<v Speaker 2>We had just I went back when my youngest was one,

0:15:30.800 --> 0:15:33.160
<v Speaker 2>so I had just finished nursing, and I knew that

0:15:33.160 --> 0:15:36.120
<v Speaker 2>we were done with having children, and so I kind

0:15:36.160 --> 0:15:38.360
<v Speaker 2>of felt some freedom to start thinking about what I

0:15:38.400 --> 0:15:42.280
<v Speaker 2>wanted to do next. I also knew I generally just

0:15:42.400 --> 0:15:44.720
<v Speaker 2>loved working and kind of loved the career it had before,

0:15:44.720 --> 0:15:46.600
<v Speaker 2>and knew that I wanted to go back to school,

0:15:47.120 --> 0:15:49.960
<v Speaker 2>and this is a direction I was probably going to go,

0:15:50.080 --> 0:15:53.320
<v Speaker 2>but I didn't actually have courage to do it. It

0:15:53.360 --> 0:15:55.560
<v Speaker 2>wasn't like my first choice to go back to school.

0:15:56.040 --> 0:15:58.720
<v Speaker 2>I think the pandemic in which it just took a

0:15:58.760 --> 0:16:00.640
<v Speaker 2>lot out of our family kind of gave me the

0:16:00.760 --> 0:16:03.600
<v Speaker 2>courage to say, Okay, I've given a lot to hold

0:16:03.600 --> 0:16:05.880
<v Speaker 2>our kids together through school and a newborn, what do

0:16:05.960 --> 0:16:08.040
<v Speaker 2>I want to do? And then I had another friend

0:16:08.840 --> 0:16:10.720
<v Speaker 2>who was in her fifties who had just gone back

0:16:10.760 --> 0:16:13.880
<v Speaker 2>to school for a counseling degree, and it was just

0:16:13.920 --> 0:16:15.640
<v Speaker 2>such an encouragement to think, you know, like I'm going

0:16:15.680 --> 0:16:17.720
<v Speaker 2>to do this. There's never a perfect time, but this

0:16:17.760 --> 0:16:19.120
<v Speaker 2>is what I've wanted to do, and I'm just going

0:16:19.200 --> 0:16:21.280
<v Speaker 2>to jump off the deep end and do it.

0:16:21.560 --> 0:16:25.240
<v Speaker 3>So, yeah, it's been a killer experience for you, but

0:16:25.320 --> 0:16:26.840
<v Speaker 3>I think it's been good for our family. It's not

0:16:26.840 --> 0:16:30.480
<v Speaker 3>always easy, right as we're having deeper conversations, harder conversations

0:16:30.520 --> 0:16:32.440
<v Speaker 3>at times, but it's also been really good, I think

0:16:32.480 --> 0:16:34.320
<v Speaker 3>for the kids to see you pursue something that you

0:16:34.440 --> 0:16:36.600
<v Speaker 3>love and something that you're really good at. And I

0:16:36.680 --> 0:16:40.680
<v Speaker 3>think it's helped you and I connect relationally intellectually in

0:16:41.440 --> 0:16:45.360
<v Speaker 3>different ways too. So it's yeah, not always easy, like

0:16:45.400 --> 0:16:46.440
<v Speaker 3>you said, but it's been good.

0:16:46.920 --> 0:16:49.040
<v Speaker 1>So quick follow then, and I'm going to kind of

0:16:49.080 --> 0:16:50.480
<v Speaker 1>jump around a little bit as we've got some of

0:16:50.520 --> 0:16:54.760
<v Speaker 1>these different questions. But has that changed the dynamic for y'all? So, Emily,

0:16:54.920 --> 0:16:57.520
<v Speaker 1>you're in school, you're reading a lot more writing, you've

0:16:57.520 --> 0:16:59.400
<v Speaker 1>got a lot of homework, that kind of stuff. Has

0:16:59.440 --> 0:17:02.320
<v Speaker 1>that changed the different at home roles? So this kind

0:17:02.360 --> 0:17:05.040
<v Speaker 1>of alludes to Jess's question. She wanted to know what

0:17:05.080 --> 0:17:08.080
<v Speaker 1>do you think about the balance of financial contributions versus

0:17:08.600 --> 0:17:12.200
<v Speaker 1>the domestic tasks or housework like the mental load of

0:17:12.240 --> 0:17:15.040
<v Speaker 1>managing a home. The labor is valuable. How do you

0:17:15.119 --> 0:17:15.520
<v Speaker 1>divide it?

0:17:15.560 --> 0:17:18.760
<v Speaker 2>Oh man, that's such a great question because you know,

0:17:18.920 --> 0:17:22.399
<v Speaker 2>as a family, we definitely value the domestic part of it,

0:17:22.440 --> 0:17:24.600
<v Speaker 2>even though you're not making money for it. But it's

0:17:24.640 --> 0:17:27.239
<v Speaker 2>it's really shifted the dynamics, I think majorly in our

0:17:27.280 --> 0:17:29.680
<v Speaker 2>home because I did even though I was still working

0:17:29.720 --> 0:17:32.520
<v Speaker 2>part time, I worked from home. In some years I

0:17:32.560 --> 0:17:35.720
<v Speaker 2>wasn't working at all, especially when I had newborns, and

0:17:35.800 --> 0:17:38.560
<v Speaker 2>I took on like a very large share of the

0:17:38.600 --> 0:17:41.720
<v Speaker 2>domestic tasks and you just kind of were out of

0:17:41.880 --> 0:17:43.639
<v Speaker 2>you know, you went and worked and did your thing there.

0:17:43.680 --> 0:17:45.399
<v Speaker 1>So I think we all took out the garbage and stuff.

0:17:45.400 --> 0:17:47.200
<v Speaker 1>But yeah, it was definitely doing far yes.

0:17:47.359 --> 0:17:51.600
<v Speaker 2>Yeah, and so we've really had to shift, Yeah who

0:17:51.640 --> 0:17:54.280
<v Speaker 2>does what? And I think, you know, it's not even

0:17:54.320 --> 0:17:57.159
<v Speaker 2>always this conversation where we had it intentionally on the

0:17:57.200 --> 0:17:59.680
<v Speaker 2>outset and lived it out. It was just kind of more,

0:18:00.119 --> 0:18:02.400
<v Speaker 2>you know, maybe things were falling apart or certain chores

0:18:02.440 --> 0:18:05.000
<v Speaker 2>weren't getting done and I was overwhelmed and we just

0:18:05.040 --> 0:18:06.920
<v Speaker 2>had to sit down and be like, Okay, here's a problem.

0:18:07.359 --> 0:18:09.240
<v Speaker 2>How do we fix it? Who who does it make

0:18:09.280 --> 0:18:11.520
<v Speaker 2>sense to do what? Okay, so I actually need you

0:18:11.560 --> 0:18:14.879
<v Speaker 2>to step up more here, and I need to step

0:18:14.960 --> 0:18:16.320
<v Speaker 2>up more here, and then this is just going to

0:18:16.400 --> 0:18:19.359
<v Speaker 2>have to go by the wayside. So it's definitely shifted

0:18:19.359 --> 0:18:21.440
<v Speaker 2>it for sure. We have a lot more conversations about

0:18:21.440 --> 0:18:23.359
<v Speaker 2>how to divide it, which is tricky being in school

0:18:23.359 --> 0:18:26.879
<v Speaker 2>because I don't feel like I can yet justify uh,

0:18:27.960 --> 0:18:29.679
<v Speaker 2>you know, I'm just spending a lot of money in

0:18:29.680 --> 0:18:31.760
<v Speaker 2>grad school and not making any yet, and so that's

0:18:31.800 --> 0:18:33.880
<v Speaker 2>been tricky for me to kind of have to justify

0:18:34.240 --> 0:18:38.440
<v Speaker 2>taking the grace to need the space and need the help.

0:18:38.359 --> 0:18:41.560
<v Speaker 3>Takes more communication too, I think, yeah, for sure. Right

0:18:42.040 --> 0:18:44.000
<v Speaker 3>although your six figure salary, I know it's coming and

0:18:44.080 --> 0:18:45.520
<v Speaker 3>that's that's the light of the end of the Yeah,

0:18:45.640 --> 0:18:49.280
<v Speaker 3>keep keep pushing. And I think we've also been less

0:18:49.320 --> 0:18:53.160
<v Speaker 3>afraid to hire out a few tasks.

0:18:53.400 --> 0:18:54.800
<v Speaker 1>Mowing the lawn. I used to mote a lawn all

0:18:54.840 --> 0:18:56.000
<v Speaker 1>the time. I don't on the law anymore.

0:18:56.000 --> 0:18:58.280
<v Speaker 3>We hired somebody to do that same with a once

0:18:58.280 --> 0:19:00.679
<v Speaker 3>a month house cleaning like that's it's something. Those are

0:19:00.880 --> 0:19:03.479
<v Speaker 3>kind of non negotiables at this point, so that we

0:19:03.560 --> 0:19:06.760
<v Speaker 3>have the freedom to just enjoy our lives a little

0:19:06.760 --> 0:19:08.800
<v Speaker 3>bit more and enjoy our downtime as supposed to always

0:19:08.800 --> 0:19:12.240
<v Speaker 3>doing chores. But also I think, yeah, allows us more

0:19:12.280 --> 0:19:16.040
<v Speaker 3>time for your schoolwork and for hang out with kids,

0:19:16.080 --> 0:19:17.360
<v Speaker 3>family time stuff like that.

0:19:17.320 --> 0:19:19.359
<v Speaker 2>And shout out to extended family. I mean, that's another

0:19:19.359 --> 0:19:21.040
<v Speaker 2>reason we did move to the Burbs. We're in your

0:19:21.040 --> 0:19:23.800
<v Speaker 2>family and we have a lot of family help, which

0:19:23.920 --> 0:19:27.359
<v Speaker 2>really you cannot put a value on. Yeah, it's priceless, true.

0:19:27.320 --> 0:19:31.720
<v Speaker 1>Which yeah, fingers well, yeah, we'll go down that path

0:19:32.119 --> 0:19:35.879
<v Speaker 1>just yet. But I'm curious because you're not in grad school, Like,

0:19:35.880 --> 0:19:39.800
<v Speaker 1>what are your thoughts on like, basically, you are primarily

0:19:39.960 --> 0:19:42.719
<v Speaker 1>a mom, you're primarily a homemaker, Like, what are your

0:19:42.720 --> 0:19:46.520
<v Speaker 1>thoughts like between the balance of obviously the many different

0:19:46.560 --> 0:19:47.479
<v Speaker 1>roles that women can have.

0:19:47.920 --> 0:19:50.160
<v Speaker 4>Yeah, I am at home. I feel like right now

0:19:50.320 --> 0:19:53.600
<v Speaker 4>my role at home is something I'm really thankful for.

0:19:53.720 --> 0:19:57.360
<v Speaker 4>It's been a huge year of transition for us, and

0:19:58.160 --> 0:20:01.719
<v Speaker 4>being home and kind of being flexible and available in

0:20:01.760 --> 0:20:05.840
<v Speaker 4>all the ways has been great for the transition for

0:20:05.880 --> 0:20:09.880
<v Speaker 4>our family. I think being a stay at home mom

0:20:09.960 --> 0:20:15.800
<v Speaker 4>can be such a wonderful, noble, life giving thing. I

0:20:15.840 --> 0:20:17.959
<v Speaker 4>think it can also be the opposite of that, and

0:20:18.040 --> 0:20:22.440
<v Speaker 4>so I feel like I kind of do the best

0:20:22.480 --> 0:20:25.680
<v Speaker 4>I can to maintain my identity in that. And I

0:20:25.760 --> 0:20:28.200
<v Speaker 4>think that's what makes it sustainable for.

0:20:28.240 --> 0:20:32.000
<v Speaker 1>Me right now, Like finding the balance between you as

0:20:32.000 --> 0:20:34.200
<v Speaker 1>an individual versus the role that you're playing.

0:20:34.359 --> 0:20:36.120
<v Speaker 4>Yeah, I think it could take over and I could

0:20:36.200 --> 0:20:39.520
<v Speaker 4>just disappear into the work of it. And I think

0:20:39.800 --> 0:20:44.040
<v Speaker 4>finding within stay at home mom the things that are

0:20:44.119 --> 0:20:47.000
<v Speaker 4>part of who I am at my core, like doing

0:20:47.119 --> 0:20:50.480
<v Speaker 4>art alongside my kids, or working in the art and

0:20:50.560 --> 0:20:53.760
<v Speaker 4>landscaping while they're out there. You know, I enjoy cooking,

0:20:53.800 --> 0:20:57.679
<v Speaker 4>so even like finding myself a little bit in that.

0:20:57.920 --> 0:20:59.879
<v Speaker 4>Just I mean, I'm just kind of doing the day

0:21:00.080 --> 0:21:02.440
<v Speaker 4>home mom thing my own way. It does not look

0:21:02.560 --> 0:21:05.800
<v Speaker 4>like Instagram, does not look like right the people around

0:21:05.840 --> 0:21:09.840
<v Speaker 4>us even sometimes it feels like but it's it's my

0:21:09.880 --> 0:21:11.480
<v Speaker 4>own version of it. And it's the way that it's

0:21:11.480 --> 0:21:14.720
<v Speaker 4>sustainable for me is that it just has to it.

0:21:14.880 --> 0:21:16.840
<v Speaker 4>Just I think it's important for our kids to see

0:21:16.880 --> 0:21:20.320
<v Speaker 4>our own identity, whether or not that's in your career

0:21:20.640 --> 0:21:22.439
<v Speaker 4>or just in the things that you love and the

0:21:22.440 --> 0:21:26.200
<v Speaker 4>things you do around them and prioritize and so yeah,

0:21:26.240 --> 0:21:28.080
<v Speaker 4>I think I'm just finding my version of it right now.

0:21:28.320 --> 0:21:30.640
<v Speaker 1>Totally. Yeah, I love I really like that. I really

0:21:30.680 --> 0:21:34.120
<v Speaker 1>like thinking through what is it that we're communicating specifically

0:21:34.200 --> 0:21:37.280
<v Speaker 1>with you being the primary parent at home throughout the

0:21:37.320 --> 0:21:40.320
<v Speaker 1>day and carpool and all that, But everything we do

0:21:40.440 --> 0:21:43.280
<v Speaker 1>communicate something to our kids, and I think it's worth

0:21:43.280 --> 0:21:45.440
<v Speaker 1>thinking through, like, all right, what are we teaching them

0:21:45.480 --> 0:21:47.879
<v Speaker 1>through this? What are we teaching them by saying no

0:21:48.320 --> 0:21:50.280
<v Speaker 1>in this case, or what are we teaching them by

0:21:50.280 --> 0:21:52.159
<v Speaker 1>saying yes in this other way, or just the.

0:21:52.160 --> 0:21:54.480
<v Speaker 4>Way they see their mom living their life, Like our

0:21:54.520 --> 0:21:58.520
<v Speaker 4>house might be messy, but I'm doing making something beautiful

0:21:58.600 --> 0:22:01.879
<v Speaker 4>or whatever I'm doing, Like they I've got three girls

0:22:01.880 --> 0:22:04.520
<v Speaker 4>who may go straight into the workforce or maybe a

0:22:04.560 --> 0:22:06.320
<v Speaker 4>stay at home mom, and I just want them to

0:22:06.400 --> 0:22:10.879
<v Speaker 4>know that whichever direction they go or their personal identity

0:22:10.960 --> 0:22:14.919
<v Speaker 4>is going to be a big part of their family culture.

0:22:14.920 --> 0:22:17.600
<v Speaker 4>And so you can exhibit that in a number of

0:22:17.600 --> 0:22:18.120
<v Speaker 4>different ways.

0:22:18.200 --> 0:22:19.600
<v Speaker 1>Totally, Yeah. I wanted to bring that up cause I

0:22:19.600 --> 0:22:22.399
<v Speaker 1>think it's awesome that I mean that, y'all, Emily, you

0:22:22.440 --> 0:22:25.520
<v Speaker 1>and Kate are very different, at least at this snapshot,

0:22:25.560 --> 0:22:28.280
<v Speaker 1>at this point in time, Like I almost wish that

0:22:29.240 --> 0:22:31.720
<v Speaker 1>like Joel was a stale home dad and like I

0:22:31.760 --> 0:22:32.879
<v Speaker 1>was the one that worked or something like that, to

0:22:32.920 --> 0:22:34.480
<v Speaker 1>be able to provide some of the variety, because I

0:22:34.480 --> 0:22:37.440
<v Speaker 1>think the variety and seeing that there's a lot of

0:22:37.480 --> 0:22:39.960
<v Speaker 1>folks out there doing different things but you can still

0:22:40.000 --> 0:22:43.240
<v Speaker 1>do it well, live a great life and do well

0:22:43.240 --> 0:22:46.240
<v Speaker 1>from a financial standpoint as well, that all of that's possible.

0:22:46.480 --> 0:22:48.520
<v Speaker 1>It may not look exactly like you said, like some

0:22:48.560 --> 0:22:51.240
<v Speaker 1>folks lifestyle and Instagram. You may not be able to

0:22:51.280 --> 0:22:53.399
<v Speaker 1>afford every single thing that you want. There are going

0:22:53.440 --> 0:22:56.840
<v Speaker 1>to be sacrifice as often if you only have a

0:22:56.880 --> 0:23:00.560
<v Speaker 1>single partner that's working, But that doesn't mean it's not possible.

0:23:00.640 --> 0:23:03.359
<v Speaker 3>Yeah, all right, so you mentioned money there. We've got

0:23:03.400 --> 0:23:06.160
<v Speaker 3>some more money questions lined up from listeners. We'll get

0:23:06.160 --> 0:23:07.840
<v Speaker 3>to a bunch of those. We'll get to that right

0:23:07.880 --> 0:23:08.199
<v Speaker 3>after this.

0:23:17.720 --> 0:23:19.320
<v Speaker 1>All right, we are back and we're gonna kind of

0:23:19.320 --> 0:23:21.399
<v Speaker 1>dive it more into We've been talking more about like

0:23:21.440 --> 0:23:23.360
<v Speaker 1>life and living, which I think is a good thing,

0:23:23.400 --> 0:23:25.640
<v Speaker 1>but we certainly want to make sure that we're tackling

0:23:25.680 --> 0:23:28.560
<v Speaker 1>some of the specific money questions that listeners had, and

0:23:28.640 --> 0:23:31.919
<v Speaker 1>so let's get straight to it. H Jessica, she asked.

0:23:31.960 --> 0:23:34.960
<v Speaker 1>She said, what's one budgeting or money saving idea that

0:23:35.000 --> 0:23:37.879
<v Speaker 1>you had to talk your husband out of? Or vice versa.

0:23:37.960 --> 0:23:40.119
<v Speaker 1>I guess something maybe that you had to talk us

0:23:40.160 --> 0:23:42.800
<v Speaker 1>into or vice versa. What's something that we had to

0:23:42.840 --> 0:23:43.520
<v Speaker 1>talk you out of?

0:23:44.240 --> 0:23:45.359
<v Speaker 4>Yeah, this way? Do you read it?

0:23:45.400 --> 0:23:46.640
<v Speaker 1>Which way do you think she's asking it?

0:23:46.960 --> 0:23:49.760
<v Speaker 4>I don't know, but I read it. Do I have

0:23:49.800 --> 0:23:50.920
<v Speaker 4>to talk to you out of stuff? Or do you

0:23:50.960 --> 0:23:53.200
<v Speaker 4>have to talk me out of stuff? And generally Matt

0:23:53.240 --> 0:23:55.440
<v Speaker 4>has to talk me out of stuff.

0:23:55.600 --> 0:23:57.800
<v Speaker 1>I think of spending money or talk you out of

0:23:57.920 --> 0:23:58.960
<v Speaker 1>different ways to save money.

0:23:58.960 --> 0:24:00.440
<v Speaker 4>Well, that's what I was trying to think through because

0:24:00.440 --> 0:24:04.040
<v Speaker 4>it's it's sometimes financially financially related, but it's some it's

0:24:04.160 --> 0:24:08.160
<v Speaker 4>oftentimes just like something big and giant that our family

0:24:08.160 --> 0:24:08.720
<v Speaker 4>doesn't need to.

0:24:08.720 --> 0:24:13.119
<v Speaker 2>Take on, like a expense, or like a farm, like

0:24:13.119 --> 0:24:13.920
<v Speaker 2>a farm in the book.

0:24:14.720 --> 0:24:17.560
<v Speaker 4>Yeah, like do we need which we need to fence

0:24:17.600 --> 0:24:19.359
<v Speaker 4>in our entire front yard so I can grow like

0:24:20.000 --> 0:24:23.080
<v Speaker 4>corn and oakrah without the deer eating it? Like maybe

0:24:23.160 --> 0:24:25.320
<v Speaker 4>I have a whole spreadsheet about that. Maybe I do,

0:24:25.600 --> 0:24:29.880
<v Speaker 4>And maybe Matt said no, but it's no, he would

0:24:29.920 --> 0:24:32.280
<v Speaker 4>never say no. But It was a long conversation about

0:24:32.320 --> 0:24:35.160
<v Speaker 4>like what makes the most sense for us to do,

0:24:35.760 --> 0:24:38.560
<v Speaker 4>and it it wasn't uh that.

0:24:39.080 --> 0:24:41.439
<v Speaker 1>So you're saying then that I am talking you out

0:24:41.480 --> 0:24:43.520
<v Speaker 1>of spending money.

0:24:43.600 --> 0:24:45.760
<v Speaker 4>Yes, but I don't think it really comes down to money.

0:24:45.800 --> 0:24:47.560
<v Speaker 4>I think it just comes down to like that just

0:24:47.680 --> 0:24:50.560
<v Speaker 4>isn't practical that just like you dreamed about it and

0:24:50.600 --> 0:24:53.160
<v Speaker 4>thought about for too long one day and it got

0:24:53.200 --> 0:24:56.639
<v Speaker 4>too big and it's too much to ask of our family,

0:24:56.720 --> 0:24:59.679
<v Speaker 4>like financially part of it, but also just farming.

0:25:00.720 --> 0:25:03.119
<v Speaker 1>I get it. Yeah, Emily, is there something that Joel's like?

0:25:03.480 --> 0:25:05.040
<v Speaker 1>I feel like maybe this one, this question might be

0:25:05.040 --> 0:25:08.560
<v Speaker 1>geared more towards because Joel is like the ultra Google

0:25:08.680 --> 0:25:11.159
<v Speaker 1>borderline cheap when it comes to the different hoops that

0:25:11.200 --> 0:25:13.879
<v Speaker 1>he's willing to make his family jump through, specifically you,

0:25:14.000 --> 0:25:14.720
<v Speaker 1>I am sitting here.

0:25:15.800 --> 0:25:18.800
<v Speaker 2>This question immediately made me think in all seriousness, when

0:25:18.840 --> 0:25:22.040
<v Speaker 2>we were pregnant with our first child, Joel was like,

0:25:22.200 --> 0:25:24.119
<v Speaker 2>what was any and natal nurse practitioner? She can do

0:25:24.160 --> 0:25:25.480
<v Speaker 2>this at home, right, Like, we don't need to go

0:25:25.520 --> 0:25:27.200
<v Speaker 2>to the hospital. We can save a lot of money

0:25:27.960 --> 0:25:29.320
<v Speaker 2>if your mom just comes in and helps you have

0:25:29.359 --> 0:25:35.840
<v Speaker 2>a baby, Like that is not how this works. You know,

0:25:36.040 --> 0:25:39.199
<v Speaker 2>in general, Joel is an idea machine for sure. I

0:25:39.200 --> 0:25:42.720
<v Speaker 2>think there are a million ideas money same ideas that

0:25:42.800 --> 0:25:46.400
<v Speaker 2>go through his head every day. Any verbally processes most

0:25:46.440 --> 0:25:46.720
<v Speaker 2>of them.

0:25:46.800 --> 0:25:48.119
<v Speaker 1>I was going to say, you don't even hear all

0:25:48.119 --> 0:25:48.800
<v Speaker 1>of them. I know.

0:25:51.760 --> 0:25:55.479
<v Speaker 2>That's the scary thing. And I think, my usual what

0:25:55.520 --> 0:25:57.080
<v Speaker 2>do I have to you know, I don't talk him

0:25:57.080 --> 0:25:58.840
<v Speaker 2>in or out of it. I think I more just

0:25:58.920 --> 0:26:02.840
<v Speaker 2>ask reflective questions, typically, which is how much time is

0:26:02.880 --> 0:26:04.040
<v Speaker 2>that going to take, like a.

0:26:04.000 --> 0:26:08.000
<v Speaker 1>Real counselor don't provide the answer, let him discover the

0:26:08.040 --> 0:26:08.800
<v Speaker 1>answer on the zone.

0:26:08.960 --> 0:26:11.119
<v Speaker 2>Let's reflect. Do you have time for this? You know,

0:26:11.119 --> 0:26:12.080
<v Speaker 2>I'm thinking of this.

0:26:12.040 --> 0:26:19.920
<v Speaker 1>Recent jedi now at this point he doesn't even know. Yeah.

0:26:20.000 --> 0:26:23.120
<v Speaker 2>I mean, I'm generally up for it. Like I he's

0:26:23.560 --> 0:26:26.320
<v Speaker 2>great at saving money and being free girl and getting creative.

0:26:26.560 --> 0:26:29.359
<v Speaker 2>I just kind of know my boundaries, like we have

0:26:29.400 --> 0:26:31.280
<v Speaker 2>a limited amount of time and I have a limited

0:26:31.320 --> 0:26:34.040
<v Speaker 2>amount of patients. Can it fit within that? If so, great,

0:26:34.119 --> 0:26:36.400
<v Speaker 2>go for it. You know, Like he wanted a phone

0:26:36.440 --> 0:26:38.960
<v Speaker 2>upgrade and like bought an iPhone to trade it in

0:26:39.000 --> 0:26:41.359
<v Speaker 2>for an Android that was cheaper, and I don't even know,

0:26:41.440 --> 0:26:42.600
<v Speaker 2>but I was like, literally.

0:26:42.400 --> 0:26:43.600
<v Speaker 1>Bought one on Facebook Marketplace.

0:26:43.680 --> 0:26:45.960
<v Speaker 3>I talked about that because Google had such a good

0:26:45.960 --> 0:26:47.600
<v Speaker 3>trade in and I did it.

0:26:48.320 --> 0:26:49.720
<v Speaker 1>But I know you were a little skeptical.

0:26:49.920 --> 0:26:51.840
<v Speaker 2>Yeah, but I was like, look, I need a new phone,

0:26:51.840 --> 0:26:53.399
<v Speaker 2>like can you make this happen? And can you do

0:26:53.440 --> 0:26:55.840
<v Speaker 2>this quickly? And so I think that's more I we

0:26:56.000 --> 0:26:58.600
<v Speaker 2>talk about it because there's a lot of ideas that

0:26:58.600 --> 0:26:59.360
<v Speaker 2>fly through our house.

0:26:59.520 --> 0:27:03.320
<v Speaker 1>Ye all, was there a recent fight because the next question,

0:27:03.359 --> 0:27:06.200
<v Speaker 1>this one is from JJ, what's the largest monetary decision

0:27:06.200 --> 0:27:09.439
<v Speaker 1>that you and your spouse disagreed on? How did it resolve?

0:27:09.840 --> 0:27:11.560
<v Speaker 1>So basically they're looking for the dirt.

0:27:12.359 --> 0:27:13.840
<v Speaker 2>No, we got a lot of diner other.

0:27:13.720 --> 0:27:17.320
<v Speaker 1>Than the pregnancy, which, by the way, having had to

0:27:17.320 --> 0:27:19.600
<v Speaker 1>pay cash out of pocket, that's I mean. We were

0:27:19.640 --> 0:27:22.480
<v Speaker 1>literally talking through different ways we could have a baby

0:27:22.480 --> 0:27:24.080
<v Speaker 1>on the chee you should have had, Emily's mom is

0:27:24.080 --> 0:27:26.679
<v Speaker 1>what you should have had.

0:27:24.920 --> 0:27:28.480
<v Speaker 2>Probably you heard my mom was like, no way, will

0:27:28.480 --> 0:27:29.800
<v Speaker 2>I ever delivered your child?

0:27:30.960 --> 0:27:33.680
<v Speaker 1>But yeah, like, aside from some of the smaller things,

0:27:33.760 --> 0:27:36.840
<v Speaker 1>was there a big one where y'all were at odds.

0:27:36.720 --> 0:27:38.679
<v Speaker 2>Kay, you know, Kate and I were even talking about this,

0:27:38.800 --> 0:27:42.800
<v Speaker 2>it's that's such a great question, and yes, we're definitely

0:27:42.880 --> 0:27:44.960
<v Speaker 2>at odds. To be honest, I feel like the bigger

0:27:45.000 --> 0:27:46.840
<v Speaker 2>things are easy to agree on, like how we're going

0:27:46.920 --> 0:27:48.920
<v Speaker 2>to invest money or the ways we want to save,

0:27:49.000 --> 0:27:51.119
<v Speaker 2>or do we renovate or buy a house or are

0:27:51.160 --> 0:27:53.040
<v Speaker 2>those big things we've been on the same page. It's

0:27:53.080 --> 0:27:55.280
<v Speaker 2>the small things that I think we get tripped up on,

0:27:55.520 --> 0:27:58.760
<v Speaker 2>like do our kids need a new backpack every school year?

0:27:58.800 --> 0:28:00.320
<v Speaker 2>You know, I want them to get one, and Jill like, no,

0:28:00.359 --> 0:28:03.720
<v Speaker 2>they don't need one out of principle, work just fine, Yeah, exactly,

0:28:03.760 --> 0:28:04.520
<v Speaker 2>And so it's.

0:28:04.359 --> 0:28:06.200
<v Speaker 1>This tells those other kids to get off my lawn.

0:28:07.240 --> 0:28:10.479
<v Speaker 2>It's the smaller things that I think kinda trip us

0:28:10.560 --> 0:28:13.399
<v Speaker 2>up at times that we tend to get stuck on.

0:28:14.240 --> 0:28:15.320
<v Speaker 1>Yeah, I think it's true.

0:28:15.400 --> 0:28:19.679
<v Speaker 3>And I think it's a mental blockade for me that

0:28:19.800 --> 0:28:23.080
<v Speaker 3>leads to those discussions oftentimes, and usually it's something I

0:28:23.160 --> 0:28:25.400
<v Speaker 3>just have to get over and be like, yeah, you're right.

0:28:25.800 --> 0:28:27.560
<v Speaker 2>Well, and I think that's pretty common. I mean, life

0:28:27.600 --> 0:28:29.920
<v Speaker 2>really is made up of small moments rather than the

0:28:29.960 --> 0:28:32.440
<v Speaker 2>large ones, which is true financially, it's all the small

0:28:32.480 --> 0:28:33.920
<v Speaker 2>decisions you're continually making.

0:28:34.040 --> 0:28:37.320
<v Speaker 1>Yeah, that could be tricky for sure. Okay, is one

0:28:37.320 --> 0:28:40.040
<v Speaker 1>come to mind as far as disagreement that we had.

0:28:40.400 --> 0:28:43.960
<v Speaker 1>We are in perfect harmony and we are in unison

0:28:44.000 --> 0:28:45.640
<v Speaker 1>when it comes to how it is we spent except

0:28:45.640 --> 0:28:46.400
<v Speaker 1>for the fence.

0:28:46.400 --> 0:28:48.760
<v Speaker 2>Fence, see except for the farm in the back.

0:28:49.760 --> 0:28:51.560
<v Speaker 1>Can you cage match it inside of that? Okrah? Growing

0:28:51.560 --> 0:28:53.200
<v Speaker 1>fence is my question? So you I mean you literally

0:28:53.200 --> 0:28:55.080
<v Speaker 1>you brought that up and literally that probably is one

0:28:55.080 --> 0:28:58.959
<v Speaker 1>of the bigger disagreements that we've had. And not unlike Emily.

0:28:59.280 --> 0:29:01.360
<v Speaker 1>It comes down to think asking some of those questions.

0:29:01.400 --> 0:29:04.200
<v Speaker 1>And it's not just addressing the fence. It's like where

0:29:04.520 --> 0:29:06.120
<v Speaker 1>you know, you ask the questions to get to what's

0:29:06.160 --> 0:29:09.680
<v Speaker 1>underneath that, but kind of asking those questions, figuring out

0:29:09.720 --> 0:29:12.640
<v Speaker 1>what's practical and honestly, I think figuring out like what

0:29:12.680 --> 0:29:14.920
<v Speaker 1>the trade offs are going to be, because it's like, Okay,

0:29:15.000 --> 0:29:16.880
<v Speaker 1>we can figure we can decide that, like this is

0:29:16.880 --> 0:29:20.480
<v Speaker 1>something that we prioritize, But what does this mean for us?

0:29:20.600 --> 0:29:22.840
<v Speaker 1>Not just now, but what does this mean for us

0:29:22.920 --> 0:29:26.600
<v Speaker 1>for instance down the road if we keep dumping that's

0:29:26.880 --> 0:29:28.880
<v Speaker 1>negative connotation, I want to say dumping. If we keep

0:29:28.920 --> 0:29:30.520
<v Speaker 1>spending money on you know, on our current home. What

0:29:30.560 --> 0:29:33.480
<v Speaker 1>does that mean for our ability to potentially move to

0:29:33.520 --> 0:29:35.880
<v Speaker 1>a home that has a room for each one of

0:29:35.920 --> 0:29:37.640
<v Speaker 1>our kids, which might be nice in a couple of years.

0:29:37.640 --> 0:29:39.600
<v Speaker 1>That kind of thing. I think those are the sort

0:29:39.640 --> 0:29:44.120
<v Speaker 1>of concessions that you make when you buy things now,

0:29:44.160 --> 0:29:47.280
<v Speaker 1>and comes down to asking some of those questions, trying

0:29:47.280 --> 0:29:48.840
<v Speaker 1>to figure out what is it that ultimately want?

0:29:48.920 --> 0:29:52.120
<v Speaker 4>Right, Yeah, I mean really, the disagreement was not a

0:29:52.160 --> 0:29:57.560
<v Speaker 4>financial one. The disagreement was an emotional one, where like

0:29:57.600 --> 0:29:59.960
<v Speaker 4>I had pictured this whole thing it was going to

0:29:59.960 --> 0:30:03.960
<v Speaker 4>be beautiful and wonderful, and the finances of it didn't

0:30:03.960 --> 0:30:06.800
<v Speaker 4>make sense and the brass tacks of it didn't make sense,

0:30:06.840 --> 0:30:10.120
<v Speaker 4>but emotionally, I was really excited about it. And so

0:30:10.600 --> 0:30:14.200
<v Speaker 4>having a super practical conversation about something I'm like kind

0:30:14.200 --> 0:30:16.960
<v Speaker 4>of emotionally swept up in. It's just a kind of

0:30:17.000 --> 0:30:20.600
<v Speaker 4>recipe for disaster, is sort of how I see it.

0:30:20.680 --> 0:30:23.440
<v Speaker 4>So I don't really know how better we could have

0:30:23.520 --> 0:30:26.160
<v Speaker 4>resolved it, Like we just had to keep talking about it,

0:30:26.200 --> 0:30:27.640
<v Speaker 4>and I had to kind of like come down off

0:30:27.640 --> 0:30:30.680
<v Speaker 4>my mountain a little bit. But it was, Yeah, it

0:30:30.720 --> 0:30:32.240
<v Speaker 4>was just an emotional thing, and I feel like a

0:30:32.240 --> 0:30:35.400
<v Speaker 4>lot of our conversations with finances, we are able to

0:30:35.440 --> 0:30:39.320
<v Speaker 4>keep the emotion out of the conversations because things are

0:30:39.400 --> 0:30:43.000
<v Speaker 4>pretty labeled and numbered at our house and this was

0:30:43.080 --> 0:30:46.640
<v Speaker 4>just not And so it did show us why it

0:30:46.720 --> 0:30:48.760
<v Speaker 4>is so helpful for us to have most things in

0:30:48.800 --> 0:30:52.360
<v Speaker 4>little boxes, because this one thing wasn't in a box,

0:30:52.400 --> 0:30:54.080
<v Speaker 4>and it was like a big conversation.

0:30:54.240 --> 0:30:56.840
<v Speaker 1>Sure. Yeah. Basically what we're talking about is budgeting. And

0:30:56.880 --> 0:30:58.520
<v Speaker 1>so at the beginning of this year, we sat down

0:30:58.600 --> 0:31:00.920
<v Speaker 1>and we decided, Okay, how much money are we going

0:31:00.960 --> 0:31:02.400
<v Speaker 1>to spend this year on the house, And not only

0:31:02.440 --> 0:31:04.920
<v Speaker 1>how much money, but what specifically is that money going

0:31:04.960 --> 0:31:07.520
<v Speaker 1>to go towards, like what projects? And like you said,

0:31:07.520 --> 0:31:10.720
<v Speaker 1>this was new and not included on that and doesn't

0:31:10.720 --> 0:31:12.600
<v Speaker 1>mean we're not necessarily going to consider in the future,

0:31:12.640 --> 0:31:14.880
<v Speaker 1>but for this year, it's like, Okay, we're kind of

0:31:14.880 --> 0:31:17.440
<v Speaker 1>at our limit. We're we're tapped out regarding how much

0:31:17.440 --> 0:31:20.920
<v Speaker 1>money we just proactively decided that we were going to

0:31:21.000 --> 0:31:23.840
<v Speaker 1>spend this year. So, I mean, we're talking basically about

0:31:24.120 --> 0:31:27.400
<v Speaker 1>sticking to a budget, not necessarily. I'm not a dream

0:31:27.480 --> 0:31:30.200
<v Speaker 1>killer as well, Like that's not my intention. The intention

0:31:30.360 --> 0:31:32.920
<v Speaker 1>is to say, like a trainer would right, like a

0:31:32.920 --> 0:31:34.640
<v Speaker 1>physical coach, like a coach or any kind of coach.

0:31:34.760 --> 0:31:36.680
<v Speaker 1>It's like, hey, this is something that we said was

0:31:36.720 --> 0:31:38.520
<v Speaker 1>important to us, that we said, this is what we're

0:31:38.520 --> 0:31:40.680
<v Speaker 1>going to do. Can we do that? You know? Is

0:31:40.720 --> 0:31:42.840
<v Speaker 1>this something that we can push off to next year

0:31:42.840 --> 0:31:45.200
<v Speaker 1>and maybe you know what boom, nothing like rises to

0:31:45.240 --> 0:31:47.360
<v Speaker 1>the top of the top of the pile for next

0:31:47.400 --> 0:31:48.880
<v Speaker 1>year and it's something that we knock out at the

0:31:48.960 --> 0:31:49.560
<v Speaker 1>very beginning.

0:31:49.600 --> 0:31:53.080
<v Speaker 3>But Oka Garden twenty twenty four I'm talking about that's

0:31:53.120 --> 0:31:56.000
<v Speaker 3>the that's the real campaign that everyone wants to see, which.

0:31:55.840 --> 0:31:57.280
<v Speaker 2>I would love to say, I wish you could see

0:31:57.280 --> 0:31:59.960
<v Speaker 2>the all mixed front yard on a budget. They've done

0:32:00.040 --> 0:32:03.200
<v Speaker 2>a beautiful job. It's amazing a lot with a little

0:32:03.280 --> 0:32:05.480
<v Speaker 2>for sure. Yeah, it looks so good because they are

0:32:05.480 --> 0:32:08.520
<v Speaker 2>intentional and planned it out and thank you are good

0:32:08.520 --> 0:32:09.960
<v Speaker 2>at executing every bit of.

0:32:09.880 --> 0:32:11.640
<v Speaker 1>That in the shop like pros so one for the

0:32:11.720 --> 0:32:12.520
<v Speaker 1>danyg deer.

0:32:12.480 --> 0:32:13.920
<v Speaker 4>Dear except for the deer.

0:32:14.440 --> 0:32:17.120
<v Speaker 2>Do any listeners have advice on deer? That's what we need.

0:32:17.240 --> 0:32:19.959
<v Speaker 1>Oh, we've done, We've done all the things, Kate, Just like, okay,

0:32:20.120 --> 0:32:22.120
<v Speaker 1>I'm not going to start asking you to pee into

0:32:22.200 --> 0:32:25.120
<v Speaker 1>the picture and then go out there and creating an

0:32:25.160 --> 0:32:27.400
<v Speaker 1>invisible boundary. But we're maybe I'm.

0:32:27.280 --> 0:32:29.160
<v Speaker 4>Going to kind of create a predator boundary.

0:32:29.560 --> 0:32:29.880
<v Speaker 1>I think a.

0:32:29.880 --> 0:32:32.760
<v Speaker 3>Bazooka is one possible, but you might have run into

0:32:32.760 --> 0:32:36.440
<v Speaker 3>other troubles if you do that. H Yeah, with that,

0:32:36.760 --> 0:32:38.840
<v Speaker 3>all right, let's talk about younger us for a second. Man,

0:32:39.000 --> 0:32:41.400
<v Speaker 3>the good old days right there, These are the good

0:32:41.400 --> 0:32:44.120
<v Speaker 3>old days right now. But Kathy wants to know, how

0:32:44.120 --> 0:32:46.440
<v Speaker 3>do you adjust to handling finances together after you get

0:32:46.520 --> 0:32:49.040
<v Speaker 3>married and you guys are coming up on your fifteenth

0:32:49.160 --> 0:32:51.520
<v Speaker 3>what are you anniversaries are? Or sixteen sixteenth, sixteen? You

0:32:51.560 --> 0:32:53.840
<v Speaker 3>just have fifteen and we're coming up on our thirteenth.

0:32:53.880 --> 0:32:58.720
<v Speaker 3>So yeah, getting married, adjusting finances as you come together.

0:32:59.080 --> 0:33:02.080
<v Speaker 4>And you got that, well, I came to our marriage

0:33:02.120 --> 0:33:06.360
<v Speaker 4>with no money and no job, so we had to

0:33:06.440 --> 0:33:08.880
<v Speaker 4>really quickly figure out how we were going to feed

0:33:08.880 --> 0:33:13.520
<v Speaker 4>two people and pay for bills and everything on one.

0:33:13.640 --> 0:33:15.280
<v Speaker 1>A very small minimum wage.

0:33:15.240 --> 0:33:17.040
<v Speaker 4>Salary graphic designers salary.

0:33:18.680 --> 0:33:20.160
<v Speaker 1>In some ways, I'll say, is good.

0:33:20.320 --> 0:33:21.600
<v Speaker 4>Absolutely right, it was really good.

0:33:21.840 --> 0:33:24.360
<v Speaker 1>And like, on one hand, it sounds really intimidating, but

0:33:24.480 --> 0:33:27.040
<v Speaker 1>it's also man, is it easier to do that when

0:33:27.120 --> 0:33:30.080
<v Speaker 1>you don't have habits or bad habits or poor spending

0:33:30.080 --> 0:33:34.120
<v Speaker 1>patterns ingrained where you're trying to hit reset on those things.

0:33:34.360 --> 0:33:36.200
<v Speaker 1>Because I think a lot of folks are finding themselves

0:33:36.240 --> 0:33:40.520
<v Speaker 1>as single individuals where they're working for maybe a decade,

0:33:40.560 --> 0:33:43.520
<v Speaker 1>earning a pretty good salary. They're able to do whatever

0:33:43.560 --> 0:33:45.400
<v Speaker 1>it is that they want with their money. Taking that

0:33:45.600 --> 0:33:47.520
<v Speaker 1>to a relationship trying to figure out what to do

0:33:47.880 --> 0:33:50.960
<v Speaker 1>that was more kind of y'all y'all situation a little bit.

0:33:51.080 --> 0:33:52.440
<v Speaker 1>It's the Yeah, I think that you're right.

0:33:52.480 --> 0:33:56.040
<v Speaker 3>The older you get, the more you are self reliant,

0:33:56.120 --> 0:34:00.480
<v Speaker 3>the harder ways to combine and then and to merge

0:34:00.520 --> 0:34:04.520
<v Speaker 3>everything together. We were still relatively young, making relatively little,

0:34:04.600 --> 0:34:07.960
<v Speaker 3>and so it made it easier, I think in a

0:34:07.960 --> 0:34:09.279
<v Speaker 3>lot of ways for us to just be like, all right,

0:34:09.280 --> 0:34:11.040
<v Speaker 3>we're putting all the one pot and we're doing this together.

0:34:11.520 --> 0:34:13.920
<v Speaker 3>But I do see how it's a different thing if

0:34:13.960 --> 0:34:16.400
<v Speaker 3>you're getting married in your mid to late thirties or

0:34:16.400 --> 0:34:19.120
<v Speaker 3>forty something like that, and you're like, I've I've got

0:34:19.120 --> 0:34:21.040
<v Speaker 3>my own stuff, i've got my own way of living,

0:34:21.040 --> 0:34:24.080
<v Speaker 3>I've got my own budget, and I don't necessarily I

0:34:24.120 --> 0:34:26.399
<v Speaker 3>love you and want to live together, but I don't

0:34:26.440 --> 0:34:29.560
<v Speaker 3>necessarily want everything to be under one roof money wise,

0:34:29.640 --> 0:34:31.400
<v Speaker 3>I think I get where people are coming from on.

0:34:31.400 --> 0:34:34.840
<v Speaker 4>That, for sure. I think for us we didn't because

0:34:34.880 --> 0:34:38.440
<v Speaker 4>we weren't in that scenario. We went to a weekend

0:34:38.760 --> 0:34:44.160
<v Speaker 4>Dave Ramsey seminar and got some basic budget tips from that, and.

0:34:44.320 --> 0:34:46.719
<v Speaker 1>Well that's all. Yeah, at the time, as far as

0:34:46.760 --> 0:34:48.319
<v Speaker 1>I knew, he was the only guy out there talking

0:34:48.320 --> 0:34:51.120
<v Speaker 1>about personal finances, and I'd run across him in the thought,

0:34:51.160 --> 0:34:54.480
<v Speaker 1>all right, just from a general not getting into debt

0:34:54.600 --> 0:34:56.279
<v Speaker 1>or at least getting out of debt, and we were

0:34:56.280 --> 0:34:58.640
<v Speaker 1>in a fortunate position. You now, now you're like the

0:34:58.680 --> 0:35:03.920
<v Speaker 1>beneversion of Dave. Yes, I don't at all regret having

0:35:04.000 --> 0:35:07.000
<v Speaker 1>found my way into the personal finance space via Dave Ramsey.

0:35:07.080 --> 0:35:08.640
<v Speaker 4>No, I think it was a great foundation, a.

0:35:08.800 --> 0:35:11.200
<v Speaker 1>Lot of amazing stuff for a lot of people, specifically

0:35:11.239 --> 0:35:13.600
<v Speaker 1>getting out of debt. But beyond that, yeah, obviously we

0:35:13.640 --> 0:35:17.000
<v Speaker 1>take a more a more nuanced approach refleshiable tactics after that.

0:35:17.120 --> 0:35:19.360
<v Speaker 4>Sure, Yeah, even then, I think there were things that

0:35:19.400 --> 0:35:21.480
<v Speaker 4>we weren't we weren't totally iron board with. We never

0:35:21.520 --> 0:35:24.640
<v Speaker 4>did like cash an enveloped situation because Matt was always

0:35:24.680 --> 0:35:26.320
<v Speaker 4>about like credit card perk points.

0:35:26.520 --> 0:35:27.359
<v Speaker 1>I mean, so we were.

0:35:27.280 --> 0:35:30.520
<v Speaker 4>Doing that way back then. But we had a we

0:35:30.560 --> 0:35:32.960
<v Speaker 4>had a budget from early on how we were gonna

0:35:33.120 --> 0:35:36.120
<v Speaker 4>live and eat. And I learned really quick how to cook.

0:35:36.160 --> 0:35:38.520
<v Speaker 4>We never eat out like it was. It was a

0:35:38.680 --> 0:35:41.640
<v Speaker 4>like trial by fire way of learning to budget and

0:35:41.640 --> 0:35:44.040
<v Speaker 4>live together and not have any money all at once.

0:35:44.200 --> 0:35:47.440
<v Speaker 1>Yeah, And I think we learned together with the fortunate

0:35:47.440 --> 0:35:48.560
<v Speaker 1>position we found ourselves in.

0:35:48.760 --> 0:35:51.719
<v Speaker 2>Yep. What I would say about confining finances that I

0:35:51.719 --> 0:35:53.920
<v Speaker 2>feel like we're still learning because I think it gets

0:35:54.160 --> 0:35:57.440
<v Speaker 2>it's different in every season as you have more money

0:35:57.480 --> 0:36:01.160
<v Speaker 2>or less money, or children and things. And what I

0:36:01.200 --> 0:36:04.040
<v Speaker 2>would say to anyone who's starting out combining finances is

0:36:04.440 --> 0:36:07.560
<v Speaker 2>self awareness is so helpful because money, there's just so

0:36:07.680 --> 0:36:11.160
<v Speaker 2>much value we place on money that we're sometimes not

0:36:11.200 --> 0:36:13.160
<v Speaker 2>even aware of. You know, what did it represent to

0:36:13.200 --> 0:36:14.560
<v Speaker 2>you as a kid, did you have it, did you

0:36:14.600 --> 0:36:17.319
<v Speaker 2>not have it? How did your parents spend it? When

0:36:17.360 --> 0:36:19.240
<v Speaker 2>you see your partner spend it in a way differently,

0:36:19.320 --> 0:36:21.160
<v Speaker 2>what emotions does that bring up? Does it make you

0:36:21.200 --> 0:36:24.840
<v Speaker 2>happy or scared? Like I just think self awareness of

0:36:24.960 --> 0:36:28.480
<v Speaker 2>knowing what money represents and what you want to do

0:36:28.600 --> 0:36:32.560
<v Speaker 2>with your money is so important, and just to remember

0:36:33.120 --> 0:36:36.319
<v Speaker 2>that while the end goal is important, the process of

0:36:36.360 --> 0:36:40.360
<v Speaker 2>how you get there as a couple really like seals

0:36:40.360 --> 0:36:43.080
<v Speaker 2>the deal. And so how do you learn to talk

0:36:43.080 --> 0:36:44.640
<v Speaker 2>to each other? How do you learn to listen to

0:36:44.680 --> 0:36:48.600
<v Speaker 2>your partner with their financial concerns? Can you have empathy

0:36:48.600 --> 0:36:51.600
<v Speaker 2>and understand and can you talk out the importance? And

0:36:51.640 --> 0:36:54.000
<v Speaker 2>it's just a slow process. We're still doing it. I mean,

0:36:54.000 --> 0:36:59.239
<v Speaker 2>you don't arrive I think the smooth joined finances ever,

0:36:59.440 --> 0:37:03.200
<v Speaker 2>you know, even if you're wealthy. So just learning how

0:37:03.239 --> 0:37:07.240
<v Speaker 2>to process well and hear your partner and know yourself

0:37:07.239 --> 0:37:09.160
<v Speaker 2>I think is super important. Yeah.

0:37:09.200 --> 0:37:11.400
<v Speaker 4>I don't want anyone to think that there's like something

0:37:11.440 --> 0:37:13.680
<v Speaker 4>you figure out when you first get married and then you're.

0:37:13.520 --> 0:37:16.040
<v Speaker 1>Like set, You're set. Yeah, no, exactly. It is a problem.

0:37:16.120 --> 0:37:19.480
<v Speaker 1>Like I'm still fighting, not fighting, but having disagreements over

0:37:19.560 --> 0:37:21.279
<v Speaker 1>whether it's how much money we're going to spend on

0:37:21.320 --> 0:37:23.200
<v Speaker 1>the yard, how much we're going to spend on kids' backpacks,

0:37:23.440 --> 0:37:25.000
<v Speaker 1>these types of things. And I think what's at the

0:37:25.000 --> 0:37:29.400
<v Speaker 1>center of that is communication as asks or says discuss

0:37:29.440 --> 0:37:33.080
<v Speaker 1>financial communication with your spouse how involved is she in

0:37:33.200 --> 0:37:37.239
<v Speaker 1>the daily, monthly, yearly finances? And she goes on, if

0:37:37.239 --> 0:37:39.000
<v Speaker 1>something happened to you, would she easily be able to

0:37:39.000 --> 0:37:42.840
<v Speaker 1>pay bills, access accounts, understand the investments. Do you discuss

0:37:42.920 --> 0:37:45.320
<v Speaker 1>financial goals both long term and short term? Does you

0:37:45.440 --> 0:37:49.680
<v Speaker 1>know your asset allocations? How often y'all talk about these

0:37:49.719 --> 0:37:52.880
<v Speaker 1>types of things asides? So far we've talked about I

0:37:52.880 --> 0:37:56.360
<v Speaker 1>guess situations that arise because of life, right, like, okay,

0:37:56.640 --> 0:37:58.040
<v Speaker 1>kids are going back to school. What does that look

0:37:58.080 --> 0:37:59.960
<v Speaker 1>like as far as getting a backpack? But are y'all

0:38:00.080 --> 0:38:03.120
<v Speaker 1>proactively talking about things like if you went to a

0:38:03.360 --> 0:38:06.560
<v Speaker 1>marriage and finances conference, they might say, talk about these

0:38:06.680 --> 0:38:07.399
<v Speaker 1>these types of things.

0:38:07.440 --> 0:38:09.680
<v Speaker 3>How often are y'all doing that? That's a good question.

0:38:09.719 --> 0:38:11.799
<v Speaker 3>I think this made me think a couple of things.

0:38:11.840 --> 0:38:15.200
<v Speaker 3>It made me think, one, I need to probably do

0:38:15.320 --> 0:38:18.480
<v Speaker 3>a create something to where if something happened to me,

0:38:18.680 --> 0:38:22.319
<v Speaker 3>you have all of the account logins, passwords, and here's

0:38:22.320 --> 0:38:23.239
<v Speaker 3>where all the accounts is.

0:38:23.280 --> 0:38:25.360
<v Speaker 2>And and this was a humbling question because like for

0:38:25.400 --> 0:38:27.080
<v Speaker 2>the past six months, I've been like, you know, if

0:38:27.080 --> 0:38:29.600
<v Speaker 2>you die, there's like a half of our money. I'm

0:38:29.600 --> 0:38:31.239
<v Speaker 2>not gonna know where it is. Or what to do

0:38:31.280 --> 0:38:31.480
<v Speaker 2>with it.

0:38:31.520 --> 0:38:33.680
<v Speaker 1>Like we've literally been talking about my death frequently.

0:38:35.400 --> 0:38:36.200
<v Speaker 2>It's a great Now.

0:38:36.120 --> 0:38:40.680
<v Speaker 3>They coming up, which like how much is that for you?

0:38:41.040 --> 0:38:43.200
<v Speaker 3>And so I will say this, like we have all

0:38:43.239 --> 0:38:45.920
<v Speaker 3>of the proper like, uh, we have life insurance, right,

0:38:45.960 --> 0:38:48.200
<v Speaker 3>we have enough an event where I would feel some

0:38:48.360 --> 0:38:49.960
<v Speaker 3>of that, Yeah, you know some of that. But I'm

0:38:49.960 --> 0:38:52.680
<v Speaker 3>also like I need I need to do a better

0:38:52.840 --> 0:38:56.400
<v Speaker 3>job and really accumulate everything in one place for you.

0:38:56.520 --> 0:38:59.279
<v Speaker 2>Yeah, probably because you do take over most of the finances.

0:38:59.280 --> 0:39:01.799
<v Speaker 2>I mean I'm not in it, but I will say

0:39:01.840 --> 0:39:04.880
<v Speaker 2>I know every investment that you are in. I mean

0:39:04.920 --> 0:39:07.840
<v Speaker 2>we discussed every investment or rental properties or whatever.

0:39:07.880 --> 0:39:10.040
<v Speaker 1>That looks like you don't know about the goal that

0:39:10.120 --> 0:39:13.240
<v Speaker 1>Joel has buried different locations in the backyard or she knows.

0:39:13.400 --> 0:39:15.400
<v Speaker 1>I mean I know where that is. But right right,

0:39:15.440 --> 0:39:16.480
<v Speaker 1>well you also should know.

0:39:17.280 --> 0:39:20.919
<v Speaker 2>Okay, I'll be watching your life insurance those two. Yeah,

0:39:20.920 --> 0:39:23.800
<v Speaker 2>So I think it's they're more casual conversations. This is

0:39:23.800 --> 0:39:26.120
<v Speaker 2>where I actually love that we have because all mixes

0:39:26.160 --> 0:39:27.560
<v Speaker 2>to do it different than the large guards. This is

0:39:27.600 --> 0:39:29.600
<v Speaker 2>great to have do different perspectives. I feel like we

0:39:29.680 --> 0:39:32.840
<v Speaker 2>don't necessarily have it.

0:39:31.960 --> 0:39:33.120
<v Speaker 4>I also need that document.

0:39:34.840 --> 0:39:38.040
<v Speaker 1>I mean yeah, unfortunately, like it's in a similar way

0:39:38.080 --> 0:39:41.040
<v Speaker 1>like I think you I mean you correct me. I'll

0:39:41.120 --> 0:39:43.160
<v Speaker 1>let you talk that homework. You say it homework by

0:39:43.160 --> 0:39:44.680
<v Speaker 1>the way, for the two of us, you know where

0:39:44.680 --> 0:39:45.160
<v Speaker 1>everything is.

0:39:45.320 --> 0:39:49.200
<v Speaker 4>I know where all our accounts. I know the document

0:39:49.239 --> 0:39:50.920
<v Speaker 4>that all of our account information is on and all

0:39:50.920 --> 0:39:53.200
<v Speaker 4>of our password information is on. And so I was

0:39:53.200 --> 0:39:55.399
<v Speaker 4>thinking through after I read this question, like how would

0:39:55.400 --> 0:39:57.400
<v Speaker 4>I what would I do in this situation? And I

0:39:57.440 --> 0:40:00.239
<v Speaker 4>think I could just go through that document probably get

0:40:00.239 --> 0:40:02.680
<v Speaker 4>to everywhere I needed to get. And I do know

0:40:02.960 --> 0:40:05.759
<v Speaker 4>where our investments are. I'm pretty sure I know where

0:40:05.800 --> 0:40:09.680
<v Speaker 4>all of the investment money goes. But it would be

0:40:09.680 --> 0:40:11.120
<v Speaker 4>good to have that document for sure.

0:40:11.760 --> 0:40:15.560
<v Speaker 1>Yeah, well it exists, but we just haven't. I guess

0:40:15.560 --> 0:40:17.400
<v Speaker 1>when we talk about it. So like she was asking

0:40:17.440 --> 0:40:20.360
<v Speaker 1>about like the you know, she's essentially asking about the regularity,

0:40:20.719 --> 0:40:24.919
<v Speaker 1>and from a daily expending kind of standpoint, I feel

0:40:24.920 --> 0:40:27.719
<v Speaker 1>like every week, ideally like three times a month, that

0:40:28.080 --> 0:40:29.440
<v Speaker 1>the kind of thing I update to you. And I'm like,

0:40:29.480 --> 0:40:31.200
<v Speaker 1>all right, this is I get a perfect month.

0:40:31.239 --> 0:40:32.640
<v Speaker 4>I guess I Oh, yeah, I was gonna say, I

0:40:32.640 --> 0:40:35.480
<v Speaker 4>think I get updated about once a month, where are

0:40:35.640 --> 0:40:37.360
<v Speaker 4>where we are in our grocery about I feel like

0:40:37.440 --> 0:40:39.160
<v Speaker 4>that's the first update that I.

0:40:39.280 --> 0:40:41.920
<v Speaker 1>Because that's one that you have because I do our

0:40:41.960 --> 0:40:42.279
<v Speaker 1>day to.

0:40:42.239 --> 0:40:45.400
<v Speaker 4>Day spending exactly. I buy all the things that we

0:40:45.440 --> 0:40:47.640
<v Speaker 4>need for the kids and all of the groceries, and

0:40:47.680 --> 0:40:49.960
<v Speaker 4>then you pay all the bills and stuff like that.

0:40:50.000 --> 0:40:50.880
<v Speaker 4>So that's our breakdown.

0:40:50.960 --> 0:40:52.840
<v Speaker 1>Yeah. But then at the end of the month, I

0:40:52.880 --> 0:40:54.560
<v Speaker 1>always like review with you. I'm like, hey, this is

0:40:54.640 --> 0:40:56.040
<v Speaker 1>kind of where we ended up. This is how much

0:40:56.040 --> 0:40:57.879
<v Speaker 1>we went over, this is how much under we were.

0:40:58.160 --> 0:41:00.520
<v Speaker 1>I'll do like a net worth update that kind of thing.

0:41:00.880 --> 0:41:03.920
<v Speaker 1>So I guess it's always verbal though, like we never

0:41:03.960 --> 0:41:06.600
<v Speaker 1>sit down and I don't like show you the spreadsheets.

0:41:06.840 --> 0:41:08.879
<v Speaker 4>I mean I can access it if I wanted.

0:41:08.560 --> 0:41:10.000
<v Speaker 1>To, and you know what, you know it's there.

0:41:10.440 --> 0:41:14.920
<v Speaker 4>But it's really complicated, y'all. Yes, yeah, it's very complicated.

0:41:14.960 --> 0:41:18.239
<v Speaker 1>So Matt doesn't do anything halfway. Maybe some folks call

0:41:18.239 --> 0:41:20.799
<v Speaker 1>it like the oh crap folder or something like that,

0:41:20.840 --> 0:41:23.960
<v Speaker 1>but basically, if something were to happen, something that literally

0:41:24.000 --> 0:41:26.400
<v Speaker 1>lists it all out, how much is in each account,

0:41:26.640 --> 0:41:28.040
<v Speaker 1>how to access what it's for.

0:41:32.160 --> 0:41:33.839
<v Speaker 2>We all be doing it now when we get back.

0:41:33.719 --> 0:41:36.560
<v Speaker 1>From the whole episode on this after we.

0:41:38.080 --> 0:41:40.319
<v Speaker 4>After you'll write those up, yeah.

0:41:40.000 --> 0:41:40.880
<v Speaker 1>Exactly, folder.

0:41:40.960 --> 0:41:42.799
<v Speaker 3>Yeah, and you got to have some of those other

0:41:42.840 --> 0:41:45.719
<v Speaker 3>things in place, like life insurance and and you know

0:41:45.760 --> 0:41:48.040
<v Speaker 3>where the money's at, and know you know the rental

0:41:48.080 --> 0:41:50.560
<v Speaker 3>properties we have and you know, uh, you know where

0:41:50.560 --> 0:41:52.760
<v Speaker 3>our money is at investigt Vanguard Fidelity.

0:41:52.880 --> 0:41:53.000
<v Speaker 1>Right.

0:41:53.160 --> 0:41:55.160
<v Speaker 3>Uh, no shock to anybody who listens to the show.

0:41:55.440 --> 0:41:57.520
<v Speaker 3>But it's it's important to have all that outlined in

0:41:57.560 --> 0:42:01.759
<v Speaker 3>documents so that it's easy because even you leave behind

0:42:01.760 --> 0:42:06.160
<v Speaker 3>a lot of turmoil if if you leave this mortal coil, right,

0:42:06.239 --> 0:42:08.840
<v Speaker 3>and so you have to make sure that your significant

0:42:08.840 --> 0:42:11.359
<v Speaker 3>other is prepared. But let's start about goal setting. And

0:42:11.560 --> 0:42:13.719
<v Speaker 3>she wants to know how do y'all decide how much

0:42:13.760 --> 0:42:15.400
<v Speaker 3>to save each year as a couple. How do you

0:42:15.480 --> 0:42:17.920
<v Speaker 3>navigate which fun and or big purchases to put that

0:42:17.960 --> 0:42:18.560
<v Speaker 3>money towards.

0:42:18.840 --> 0:42:22.560
<v Speaker 4>We have an annual budget meeting and review everything from

0:42:22.560 --> 0:42:26.680
<v Speaker 4>the previous year, set goals, not just financial goals, but

0:42:26.680 --> 0:42:31.239
<v Speaker 4>also lifestyle goals for the next year at that meeting. So,

0:42:31.840 --> 0:42:35.439
<v Speaker 4>but because our income is variable, we don't know going

0:42:35.440 --> 0:42:38.759
<v Speaker 4>into that meeting, what if there's going to be a surplus,

0:42:38.840 --> 0:42:40.200
<v Speaker 4>what is the surplus going to be?

0:42:40.239 --> 0:42:41.560
<v Speaker 1>So this has always been the case.

0:42:41.640 --> 0:42:43.120
<v Speaker 4>This has always been our think pretty.

0:42:42.880 --> 0:42:45.359
<v Speaker 1>Much since the very beginning. We've never had a set

0:42:45.440 --> 0:42:48.120
<v Speaker 1>income for the year, so we've we prioritize and we

0:42:48.200 --> 0:42:49.880
<v Speaker 1>know that, hey, we want to make sure that we're.

0:42:49.719 --> 0:42:51.960
<v Speaker 4>At least But we even discussed, like, I think we're

0:42:51.960 --> 0:42:54.479
<v Speaker 4>going to spend a little more on grocery this year,

0:42:54.560 --> 0:42:57.400
<v Speaker 4>So that's going to take our monthly budget for grocery

0:42:57.440 --> 0:42:59.759
<v Speaker 4>a little bit higher. But we also set goals for

0:43:00.000 --> 0:43:06.359
<v Speaker 4>our travel and lifestyle. We are naturally frugal, and so

0:43:06.480 --> 0:43:09.640
<v Speaker 4>we have pushed ourselves to spend a little more on

0:43:10.200 --> 0:43:13.960
<v Speaker 4>fun things like kids' activities or extracurriculars for them, or

0:43:14.000 --> 0:43:16.279
<v Speaker 4>a trip for our family. So we've had to push

0:43:16.360 --> 0:43:18.799
<v Speaker 4>ourselves on those goals a little bit. But because we

0:43:18.840 --> 0:43:21.200
<v Speaker 4>talked about them in the beginning of the year, that

0:43:21.280 --> 0:43:23.839
<v Speaker 4>money goes in, a certain amount goes in monthly, and

0:43:23.880 --> 0:43:27.640
<v Speaker 4>by the time that arrives, it's not a big hit.

0:43:27.800 --> 0:43:29.400
<v Speaker 4>So we do a lot of goal setting.

0:43:29.480 --> 0:43:31.920
<v Speaker 1>Yeah, atter like those are the savings buckets or the

0:43:31.960 --> 0:43:34.920
<v Speaker 1>sinking funds. But what's interesting though, it's like what you

0:43:35.040 --> 0:43:38.200
<v Speaker 1>literally are talking about ways for us to spend our money,

0:43:38.280 --> 0:43:41.200
<v Speaker 1>which is a shift because I mean originally when we

0:43:41.239 --> 0:43:43.759
<v Speaker 1>first got married, it was more about how much can

0:43:43.800 --> 0:43:46.880
<v Speaker 1>we set aside and invest and whatever it is that

0:43:46.920 --> 0:43:49.400
<v Speaker 1>you measure, you're going to see that improve. And so

0:43:49.480 --> 0:43:51.520
<v Speaker 1>what we found was that over time, especially as our

0:43:51.560 --> 0:43:54.000
<v Speaker 1>kids have gotten older, that we needed to take a

0:43:54.000 --> 0:43:56.200
<v Speaker 1>more intentional step, not in how much we were saving

0:43:56.480 --> 0:43:58.239
<v Speaker 1>and investing, because we were doing a very good job

0:43:58.239 --> 0:44:00.600
<v Speaker 1>of that, because that is very quantifiable, but what we

0:44:00.600 --> 0:44:04.120
<v Speaker 1>weren't doing is finding ways to prioritize lifestyle, which is

0:44:04.200 --> 0:44:06.120
<v Speaker 1>what the word you kept saying there, Like it comes

0:44:06.120 --> 0:44:08.680
<v Speaker 1>down it comes back to what are the different experiences,

0:44:08.719 --> 0:44:10.920
<v Speaker 1>What do we want our kids to be exposed to,

0:44:11.520 --> 0:44:13.960
<v Speaker 1>what by the time they leave our house, what kind

0:44:14.000 --> 0:44:15.799
<v Speaker 1>of things do we want to have done. So it's

0:44:15.880 --> 0:44:19.200
<v Speaker 1>kind of essentially like almost like planning backwards to a

0:44:19.520 --> 0:44:22.960
<v Speaker 1>certain extent, and that didn't necessarily come natural. So for us,

0:44:22.960 --> 0:44:25.160
<v Speaker 1>it's been over the past two or three years it's

0:44:25.600 --> 0:44:27.920
<v Speaker 1>thinking through what do we want to do as a

0:44:27.960 --> 0:44:30.279
<v Speaker 1>family together. And we've been fortunate enough to still be

0:44:30.360 --> 0:44:33.520
<v Speaker 1>able to save and invest a ton for the future

0:44:33.920 --> 0:44:35.880
<v Speaker 1>and not having to worry about that while starting to

0:44:36.640 --> 0:44:38.719
<v Speaker 1>loosen the ratchet a little bit when it comes to

0:44:38.760 --> 0:44:41.520
<v Speaker 1>spending and giving ourselves permission to spend in some of

0:44:41.520 --> 0:44:42.759
<v Speaker 1>those ways that are important to us.

0:44:42.800 --> 0:44:46.200
<v Speaker 3>Yeah, that's like lifestyle optimization coming to the forefront, which

0:44:46.640 --> 0:44:49.280
<v Speaker 3>even comes down to how we schedule our work weeks

0:44:49.440 --> 0:44:52.040
<v Speaker 3>and what that looks like and are we working too much,

0:44:52.080 --> 0:44:54.879
<v Speaker 3>are we taking enough breaks? Or in the overall fifty

0:44:54.920 --> 0:44:56.960
<v Speaker 3>two week spectrum, but also in the five day a

0:44:57.000 --> 0:44:58.680
<v Speaker 3>week spectrum, do both of those look the way we

0:44:58.719 --> 0:45:01.120
<v Speaker 3>want them to look? And money plays a part in

0:45:01.160 --> 0:45:04.359
<v Speaker 3>that in some of those discussions, right, because you can

0:45:04.440 --> 0:45:06.880
<v Speaker 3>work more and you can dial up an income you know,

0:45:06.920 --> 0:45:08.840
<v Speaker 3>you can work as much as as much as you

0:45:08.880 --> 0:45:12.239
<v Speaker 3>want and really try to ratchet that up. Or you

0:45:12.239 --> 0:45:14.480
<v Speaker 3>can say, wait, that's probably not the thing I want

0:45:14.480 --> 0:45:16.919
<v Speaker 3>to optimize for the most anymore, and there are other

0:45:16.920 --> 0:45:19.560
<v Speaker 3>more important things that I want to achieve or ways

0:45:19.680 --> 0:45:21.680
<v Speaker 3>I want my life to look more balanced. But do

0:45:21.680 --> 0:45:25.800
<v Speaker 3>you have any thoughts on that question about yeah, big purchases,

0:45:25.880 --> 0:45:27.880
<v Speaker 3>where do we like to allocate money?

0:45:28.239 --> 0:45:31.600
<v Speaker 2>So this is feels like a trickier question because we

0:45:31.640 --> 0:45:35.279
<v Speaker 2>don't have black and white goals. Honestly, I think we've

0:45:35.360 --> 0:45:38.920
<v Speaker 2>kind of just had goals we've agreed on in general,

0:45:38.960 --> 0:45:41.560
<v Speaker 2>which is we wanted to had an emergency fund, we

0:45:41.640 --> 0:45:48.000
<v Speaker 2>wanted to have enough cash flow to not feel stress.

0:45:48.120 --> 0:45:49.960
<v Speaker 2>And then there are things I think we committed to

0:45:50.000 --> 0:45:52.360
<v Speaker 2>at the time, like school. We know, you know, school

0:45:52.400 --> 0:45:53.960
<v Speaker 2>was worth it, and that was a goal that we're

0:45:54.040 --> 0:45:58.879
<v Speaker 2>putting things aside for your school grads scht my school, sorry,

0:45:58.920 --> 0:46:01.320
<v Speaker 2>my grad school particularly.

0:46:01.880 --> 0:46:03.640
<v Speaker 1>Not flight school for your eight year old.

0:46:03.600 --> 0:46:07.640
<v Speaker 2>Or right exactly exactly. And I think in general we

0:46:08.360 --> 0:46:11.080
<v Speaker 2>have similarities that help. Like we love to travel, we

0:46:11.160 --> 0:46:14.640
<v Speaker 2>like vacation. That's pretty easy for us to spend on that,

0:46:14.800 --> 0:46:17.800
<v Speaker 2>or frugal when it comes to maybe clothes or shopping,

0:46:17.880 --> 0:46:21.200
<v Speaker 2>so that's easier as well. I think when it comes

0:46:21.280 --> 0:46:25.200
<v Speaker 2>to goals and being on the same page for us,

0:46:25.320 --> 0:46:28.600
<v Speaker 2>a number and a budget doesn't always settle the conversation,

0:46:28.680 --> 0:46:31.600
<v Speaker 2>probably because we tend to be a bit more emotional

0:46:31.719 --> 0:46:35.120
<v Speaker 2>or I definitely am more emotional, and so the meaning

0:46:35.200 --> 0:46:38.600
<v Speaker 2>behind it is usually something I always have to talk through.

0:46:38.760 --> 0:46:42.480
<v Speaker 2>So if something comes up or pops up that you

0:46:42.520 --> 0:46:44.880
<v Speaker 2>want or that I want, I think it's a conversation

0:46:45.239 --> 0:46:48.000
<v Speaker 2>about yeah, it's value and what it means and do

0:46:48.040 --> 0:46:50.440
<v Speaker 2>we have the money, does it stress other things? Is

0:46:50.440 --> 0:46:51.480
<v Speaker 2>it okay? Is it worth it?

0:46:51.840 --> 0:46:53.640
<v Speaker 3>Even if we have the money, is that something that

0:46:53.680 --> 0:46:55.160
<v Speaker 3>we value to put the money towards.

0:46:55.239 --> 0:46:55.359
<v Speaker 2>Ye?

0:46:55.480 --> 0:46:55.920
<v Speaker 1>Right, yeah.

0:46:55.960 --> 0:46:58.560
<v Speaker 3>Can we wrestle with that internally individually but also together

0:46:58.600 --> 0:46:59.120
<v Speaker 3>as a couple.

0:46:59.280 --> 0:47:02.080
<v Speaker 2>Yeah, So we're taught. I mean so I think. I

0:47:02.120 --> 0:47:04.160
<v Speaker 2>guess it's hard to talk about it. Are hard to

0:47:04.200 --> 0:47:06.239
<v Speaker 2>know how to share because it's actually not super black

0:47:06.239 --> 0:47:09.800
<v Speaker 2>and white. Yeah, And it's just more about the conversation

0:47:09.960 --> 0:47:11.640
<v Speaker 2>and the moment in the season of life.

0:47:12.080 --> 0:47:12.680
<v Speaker 1>I think too.

0:47:12.760 --> 0:47:16.000
<v Speaker 3>That's where something Getting the big things right means you

0:47:16.000 --> 0:47:17.759
<v Speaker 3>don't have to stress about the small stuff as well.

0:47:17.800 --> 0:47:19.399
<v Speaker 3>We do think about it in terms of like doesn't

0:47:19.400 --> 0:47:22.399
<v Speaker 3>align with our values, but not necessarily like oh can

0:47:22.440 --> 0:47:24.960
<v Speaker 3>we afford to buy plane tickets to Scotland? And is

0:47:25.040 --> 0:47:27.880
<v Speaker 3>how expensive can we really afford this trip? We don't

0:47:27.880 --> 0:47:30.560
<v Speaker 3>have to ask that question because we have one car,

0:47:30.600 --> 0:47:33.360
<v Speaker 3>it's older, blah blah blah, whatever the like, We've purposely

0:47:33.440 --> 0:47:37.520
<v Speaker 3>kept our mortgage, you know, far below what most people

0:47:37.560 --> 0:47:40.279
<v Speaker 3>would say you can afford, right, And I think when

0:47:40.320 --> 0:47:43.000
<v Speaker 3>you do that, then those smaller things like we have

0:47:44.000 --> 0:47:45.640
<v Speaker 3>a large enough cushion where we can be like, yeah,

0:47:45.719 --> 0:47:47.520
<v Speaker 3>let's pounce on that. That sounds like fun. We have a

0:47:47.520 --> 0:47:49.799
<v Speaker 3>big almost like an opportunity fund. It's how I think

0:47:49.800 --> 0:47:53.120
<v Speaker 3>of it, and when opportunity comes along, we can pounce

0:47:53.160 --> 0:47:55.160
<v Speaker 3>as something really cool if you and I both agree

0:47:55.280 --> 0:47:57.200
<v Speaker 3>and we think it's worth it. So I think of

0:47:57.239 --> 0:47:59.560
<v Speaker 3>that as kind of like a fun approach to money.

0:47:59.560 --> 0:48:03.960
<v Speaker 3>As opposed we're less rigid in our budgeting like you guys.

0:48:04.320 --> 0:48:06.160
<v Speaker 1>But I think that's a part of what Gen's or

0:48:06.320 --> 0:48:09.160
<v Speaker 1>is it Gin or Anna? I mean is asking like

0:48:09.200 --> 0:48:11.480
<v Speaker 1>how because you said if you agree, right, and so

0:48:11.520 --> 0:48:13.440
<v Speaker 1>I think that's really what she's getting at. How do

0:48:13.480 --> 0:48:16.879
<v Speaker 1>you decide if you agree? Because because on one hand,

0:48:16.920 --> 0:48:18.200
<v Speaker 1>you might say, yeah, heck yeah, I want to go

0:48:18.200 --> 0:48:20.839
<v Speaker 1>to Scotland. That's ands I do too, Like that sounds

0:48:20.840 --> 0:48:23.200
<v Speaker 1>like a lot of fun. But Emily might be like, well,

0:48:23.719 --> 0:48:25.840
<v Speaker 1>doesn't really sound like something I want to do. So

0:48:25.880 --> 0:48:29.239
<v Speaker 1>I guess I'm gonna maybe Anna isn't asking this, but

0:48:29.320 --> 0:48:31.440
<v Speaker 1>I'm going to dig further, like, how do you decide

0:48:31.880 --> 0:48:33.239
<v Speaker 1>if you disagree? Yeah?

0:48:33.360 --> 0:48:34.880
<v Speaker 4>What if you evaluate differently?

0:48:35.040 --> 0:48:36.680
<v Speaker 1>Yeah? What if you value it differently?

0:48:36.800 --> 0:48:38.840
<v Speaker 3>I think if we kept budding heads over something and

0:48:38.880 --> 0:48:41.520
<v Speaker 3>I said, listen, travels really important to me, and she

0:48:41.560 --> 0:48:44.360
<v Speaker 3>says it's not to me. We would probably diverge in

0:48:44.400 --> 0:48:46.279
<v Speaker 3>some ways, and I might say, cool, well, then I'm

0:48:46.280 --> 0:48:47.920
<v Speaker 3>going to find a way to pull this off with

0:48:47.960 --> 0:48:50.680
<v Speaker 3>a buddy or something like that. Or if you said, listen,

0:48:51.680 --> 0:48:53.600
<v Speaker 3>this other thing over here is really important to me

0:48:53.640 --> 0:48:55.640
<v Speaker 3>and I said I don't value that. That's okay for

0:48:55.760 --> 0:48:58.680
<v Speaker 3>partners to value different things, but you just have to

0:48:58.719 --> 0:49:02.799
<v Speaker 3>make sure that both it equal access to be able

0:49:02.840 --> 0:49:06.000
<v Speaker 3>to pursue those things they love. Matt, I notice you

0:49:06.000 --> 0:49:08.000
<v Speaker 3>haven't been crafting nearly as much as Kate on this trip.

0:49:08.040 --> 0:49:09.680
<v Speaker 3>You don't care about it as much the same as

0:49:09.680 --> 0:49:11.800
<v Speaker 3>that you but you appreciate I think her crafting this,

0:49:11.920 --> 0:49:14.040
<v Speaker 3>and you don't mind her splurging in that way. I

0:49:14.040 --> 0:49:15.920
<v Speaker 3>think the same would be true of us. Like we

0:49:15.960 --> 0:49:17.560
<v Speaker 3>do share a lot in common, we have a lot

0:49:17.600 --> 0:49:20.319
<v Speaker 3>of things. But or even something you're willing to go

0:49:20.400 --> 0:49:22.000
<v Speaker 3>to a concert with me, maybe let's say that you

0:49:22.040 --> 0:49:24.080
<v Speaker 3>don't care about as much and you're like, it's yeah,

0:49:24.160 --> 0:49:26.319
<v Speaker 3>it's worth it because I want to do that with you,

0:49:26.400 --> 0:49:29.120
<v Speaker 3>even though that's not necessarily the thing I would choose

0:49:29.160 --> 0:49:30.240
<v Speaker 3>to do totally.

0:49:30.320 --> 0:49:31.960
<v Speaker 2>That's true. I mean this is such a great question

0:49:32.000 --> 0:49:33.600
<v Speaker 2>because I think this is at the heart of so

0:49:33.680 --> 0:49:36.400
<v Speaker 2>much conflict about money as we value different things, and

0:49:36.440 --> 0:49:39.080
<v Speaker 2>I think what we're saying is there a different ways

0:49:39.080 --> 0:49:41.040
<v Speaker 2>to settle that. And I think there are times when

0:49:41.080 --> 0:49:42.799
<v Speaker 2>it really is a budget, like you just need three

0:49:42.880 --> 0:49:45.200
<v Speaker 2>hundred dollars to spend every month that maybe the other

0:49:45.239 --> 0:49:47.520
<v Speaker 2>person just doesn't have an opinion on and it might

0:49:47.520 --> 0:49:51.719
<v Speaker 2>be considered luxury to them but necessity to you. And

0:49:51.719 --> 0:49:54.520
<v Speaker 2>that's how you decide that. And I think there's actually

0:49:54.520 --> 0:49:56.839
<v Speaker 2>seasons in our marriage when we've done that, especially when

0:49:56.880 --> 0:50:00.600
<v Speaker 2>we were newly married and money was tighter, and I

0:50:00.600 --> 0:50:03.720
<v Speaker 2>mean we really started out with nothing. That was actually

0:50:03.760 --> 0:50:06.359
<v Speaker 2>more of a way we handled it. I think now

0:50:07.080 --> 0:50:09.799
<v Speaker 2>as we've learned each other a little even more intuitively

0:50:10.200 --> 0:50:12.400
<v Speaker 2>and we understand the values more like it's sometimes just

0:50:12.440 --> 0:50:14.600
<v Speaker 2>more conversation. This is important to me. Can we make

0:50:14.680 --> 0:50:16.279
<v Speaker 2>room for this? Can we not make room for this?

0:50:16.560 --> 0:50:18.480
<v Speaker 2>But I think it's a lot of conversations.

0:50:18.719 --> 0:50:21.480
<v Speaker 1>Yeah, well, okay, so I want to jump real quick then,

0:50:21.520 --> 0:50:24.640
<v Speaker 1>because Lauren, she basically had a question that was right

0:50:24.760 --> 0:50:26.640
<v Speaker 1>in line with it, Like she was essentially asking about

0:50:26.680 --> 0:50:28.479
<v Speaker 1>luxury spending. I'm not going to read her whole question,

0:50:28.520 --> 0:50:31.400
<v Speaker 1>but she was like, manicures, massages, different things like this

0:50:31.440 --> 0:50:33.319
<v Speaker 1>that your partner or your spouse might think is a

0:50:33.360 --> 0:50:35.960
<v Speaker 1>total waste of money. How you justify that? And what

0:50:36.000 --> 0:50:38.759
<v Speaker 1>you said is right, I mean hit the nail around

0:50:38.760 --> 0:50:40.760
<v Speaker 1>on the head, which I think is kind of having

0:50:40.840 --> 0:50:44.800
<v Speaker 1>like a splurge account, some sort of fund that gets funded,

0:50:44.880 --> 0:50:49.000
<v Speaker 1>like you said, Joel, that gets equal access. But you're

0:50:49.040 --> 0:50:50.920
<v Speaker 1>just not going to agree necessarily that that should be

0:50:50.920 --> 0:50:53.040
<v Speaker 1>how the other person spends money. But you should respect

0:50:53.080 --> 0:50:55.600
<v Speaker 1>them enough to say, well, I love you, and even

0:50:55.600 --> 0:50:57.279
<v Speaker 1>though I don't care for those things, you should have

0:50:57.320 --> 0:51:01.560
<v Speaker 1>the freedom and feel told not guilty to be able

0:51:01.600 --> 0:51:03.440
<v Speaker 1>to pursue those things. Do you all think that that's

0:51:03.480 --> 0:51:05.640
<v Speaker 1>the answer is to have? Obviously is it can't be

0:51:05.719 --> 0:51:09.120
<v Speaker 1>something that's like illegal, like there aren't illicit things that

0:51:09.400 --> 0:51:11.520
<v Speaker 1>are taking place that this person is buying where it's

0:51:11.600 --> 0:51:14.480
<v Speaker 1>secretive and unhealthy in that way. But when it comes

0:51:14.480 --> 0:51:15.920
<v Speaker 1>to what it is that you value, do you think

0:51:15.960 --> 0:51:16.760
<v Speaker 1>that that's a good solution.

0:51:17.480 --> 0:51:19.920
<v Speaker 2>Yes, yeah, I think it is great.

0:51:19.960 --> 0:51:22.759
<v Speaker 4>We have separate categories that get funded every month, and

0:51:23.239 --> 0:51:25.920
<v Speaker 4>we do not, for the most part, discuss any of

0:51:25.920 --> 0:51:29.279
<v Speaker 4>those purchases before we make them. Yeah, so because some

0:51:29.320 --> 0:51:32.080
<v Speaker 4>of those purchases are like, it's weird. It's weird stuff

0:51:32.120 --> 0:51:34.279
<v Speaker 4>that I bought and I just wanted to try out,

0:51:34.800 --> 0:51:37.279
<v Speaker 4>and Matt does talk about it.

0:51:37.320 --> 0:51:39.960
<v Speaker 1>Modgpodge formula that waterproof.

0:51:40.080 --> 0:51:40.960
<v Speaker 4>Can you believe it?

0:51:40.960 --> 0:51:42.240
<v Speaker 2>It is literally?

0:51:42.320 --> 0:51:46.400
<v Speaker 1>Okay, I'm excited because a perfect example is literally mogepodge

0:51:46.400 --> 0:51:49.839
<v Speaker 1>and you painting with the kids. What are they like oysters?

0:51:49.880 --> 0:51:51.560
<v Speaker 1>And while you're doing that, I get up early and

0:51:51.600 --> 0:51:54.120
<v Speaker 1>I go and work out at the local CrossFit gym

0:51:54.160 --> 0:51:56.000
<v Speaker 1>and pay twenty bucks for one workout.

0:51:56.160 --> 0:51:57.560
<v Speaker 4>Yeah, we're not going to talk about either one of

0:51:57.600 --> 0:51:58.280
<v Speaker 4>these things, which.

0:51:58.200 --> 0:52:01.760
<v Speaker 1>Which is exactly like you're not necessarily in agreement that

0:52:01.760 --> 0:52:04.439
<v Speaker 1>that's a wise use of my money and vice versa.

0:52:04.480 --> 0:52:07.239
<v Speaker 1>But we also have enough respect and love each other

0:52:07.320 --> 0:52:10.720
<v Speaker 1>enough and we know that that fuels something like that's

0:52:10.840 --> 0:52:12.240
<v Speaker 1>good for us in different ways.

0:52:12.480 --> 0:52:14.719
<v Speaker 4>And I just want to remember I yes, and I

0:52:14.719 --> 0:52:18.760
<v Speaker 4>think it sounds exhausting to talk through all those little things.

0:52:19.680 --> 0:52:22.759
<v Speaker 4>So if it is below a certain amount, like I

0:52:22.920 --> 0:52:26.319
<v Speaker 4>just it comes out of this category that's just labeled Kate,

0:52:26.560 --> 0:52:30.960
<v Speaker 4>and I just send when I send over the numbers

0:52:31.000 --> 0:52:33.919
<v Speaker 4>monthly to Matt, I just say this comes out of Kate.

0:52:34.200 --> 0:52:35.720
<v Speaker 4>This comes out of Matt.

0:52:35.800 --> 0:52:37.239
<v Speaker 1>It's like it's on a card that you keep up.

0:52:37.320 --> 0:52:37.759
<v Speaker 4>It's on a card.

0:52:37.920 --> 0:52:39.280
<v Speaker 1>Is that way if you need to make a return

0:52:39.400 --> 0:52:40.239
<v Speaker 1>or if it's not something like.

0:52:40.239 --> 0:52:41.800
<v Speaker 4>I don't see it, don't discuss return.

0:52:41.920 --> 0:52:44.560
<v Speaker 1>We don't talk about it. It's a These are day

0:52:44.560 --> 0:52:46.839
<v Speaker 1>to day expenses and at the end of the month

0:52:46.920 --> 0:52:48.200
<v Speaker 1>or as we're getting close to the end of the month,

0:52:48.239 --> 0:52:51.160
<v Speaker 1>you just send me how much of that payment that

0:52:51.200 --> 0:52:53.480
<v Speaker 1>you made to that card that's that then gets deducted

0:52:53.680 --> 0:52:55.759
<v Speaker 1>from your Splurge account. So yes, we don't call it

0:52:55.760 --> 0:52:57.800
<v Speaker 1>as slurg account. We just call them like personal accounts,

0:52:57.840 --> 0:53:00.800
<v Speaker 1>like there's a Kate account. And these aren't act separate accounts.

0:53:00.800 --> 0:53:01.480
<v Speaker 1>They're just buckets.

0:53:01.680 --> 0:53:03.839
<v Speaker 4>They're buckets within an account, and that's where like if

0:53:03.840 --> 0:53:05.640
<v Speaker 4>I get my hair done, that's where it comes out,

0:53:05.719 --> 0:53:07.000
<v Speaker 4>or if I buy clothes for the kids.

0:53:07.800 --> 0:53:10.799
<v Speaker 1>I'm the one that got a massage. I didn't tell

0:53:10.800 --> 0:53:12.399
<v Speaker 1>you that. You didn't while I was visiting the folks.

0:53:12.440 --> 0:53:14.920
<v Speaker 3>That's something I wanted more to do more upsizes. I

0:53:14.960 --> 0:53:16.920
<v Speaker 3>love getting massaged, but I do it like once a year,

0:53:16.960 --> 0:53:18.719
<v Speaker 3>sad at least it's something I need to increase in

0:53:18.760 --> 0:53:19.160
<v Speaker 3>my life.

0:53:19.280 --> 0:53:21.359
<v Speaker 2>So just can the therapist in me say one thing?

0:53:21.480 --> 0:53:24.640
<v Speaker 2>Oh yeah, so I think that is I think that's

0:53:24.680 --> 0:53:27.759
<v Speaker 2>a great solution. I'm actually just thinking of other practical solutions.

0:53:27.800 --> 0:53:31.040
<v Speaker 2>I've heard couples who they're in charge of certain categories

0:53:31.080 --> 0:53:34.200
<v Speaker 2>like one's grocery, one's home care. And if you save money,

0:53:34.200 --> 0:53:37.720
<v Speaker 2>whatever money you save budgeted, that goes into your personal account.

0:53:37.760 --> 0:53:40.680
<v Speaker 2>So it's like motivation, like the incentive. Yeah, there's incentive

0:53:40.719 --> 0:53:42.799
<v Speaker 2>then to actually earn money within your own budget. So

0:53:42.840 --> 0:53:45.320
<v Speaker 2>I think there's a lot of creative ways to do it. Again,

0:53:45.400 --> 0:53:48.279
<v Speaker 2>I just want to emphasize that there's not necessarily a

0:53:48.360 --> 0:53:50.719
<v Speaker 2>right way. I think it really is about the process.

0:53:51.280 --> 0:53:53.600
<v Speaker 2>If you are fighting over the value of things, I

0:53:53.600 --> 0:53:55.960
<v Speaker 2>think you got to sit down and talk about what

0:53:56.000 --> 0:53:57.759
<v Speaker 2>it means to you and how you're going to solve

0:53:57.760 --> 0:54:00.279
<v Speaker 2>the solution. Now, what that looks like. These are great

0:54:00.280 --> 0:54:03.160
<v Speaker 2>practical ideas on what that looks like. And like, yeah,

0:54:03.480 --> 0:54:06.360
<v Speaker 2>the conversation may be exhausting for some, it's not exhausting

0:54:06.840 --> 0:54:08.880
<v Speaker 2>for us, you know. So I think it just really

0:54:08.960 --> 0:54:12.239
<v Speaker 2>depends on how you're built. But I think knowing your

0:54:12.239 --> 0:54:15.560
<v Speaker 2>partner and knowing what you value and having some practical

0:54:15.600 --> 0:54:17.719
<v Speaker 2>ideas like this, you know, then you can make your

0:54:17.719 --> 0:54:19.520
<v Speaker 2>own recipe for what that needs to look like.

0:54:19.920 --> 0:54:21.080
<v Speaker 1>That's right, all right, I feel like we're going a

0:54:21.120 --> 0:54:22.400
<v Speaker 1>little bit long, but we do have a few more

0:54:22.440 --> 0:54:25.040
<v Speaker 1>questions we want to get to you from listeners. Specifically,

0:54:25.080 --> 0:54:27.920
<v Speaker 1>we're going to talk about like food, favorite meals, favorite stores.

0:54:28.560 --> 0:54:40.799
<v Speaker 1>We'll get to all of those right after this. All right,

0:54:40.800 --> 0:54:41.120
<v Speaker 1>we're back.

0:54:41.160 --> 0:54:44.160
<v Speaker 3>We're still having a conversation at the beach about money

0:54:44.200 --> 0:54:46.880
<v Speaker 3>and lots of other things with our better halves today

0:54:46.920 --> 0:54:49.120
<v Speaker 3>on the show. And this is just one of the

0:54:49.160 --> 0:54:52.719
<v Speaker 3>best episodes to record every single year, and I hope

0:54:52.800 --> 0:54:54.759
<v Speaker 3>listeners enjoy it as much as we do getting to

0:54:54.800 --> 0:54:57.279
<v Speaker 3>actually have this conversation. But let's make this more of

0:54:57.320 --> 0:55:01.040
<v Speaker 3>a lightning round. We've got some questions that maybe don't

0:55:01.200 --> 0:55:02.279
<v Speaker 3>involve quite as much.

0:55:06.400 --> 0:55:10.759
<v Speaker 1>Just like back about it longer, says the lady who

0:55:10.800 --> 0:55:13.520
<v Speaker 1>charges by the hour, right, exactly exactly, Just come back

0:55:13.560 --> 0:55:14.719
<v Speaker 1>next week. We'll fix it by that.

0:55:14.840 --> 0:55:18.560
<v Speaker 3>On sure, let's go to one from Jen. She wants

0:55:18.560 --> 0:55:20.880
<v Speaker 3>to know what are your absolute go to meals that

0:55:20.920 --> 0:55:23.200
<v Speaker 3>make all members of your household happy.

0:55:23.320 --> 0:55:26.400
<v Speaker 2>Okay, it's the food wizard. She should answer every food question.

0:55:26.520 --> 0:55:27.799
<v Speaker 2>She's a genius.

0:55:28.200 --> 0:55:31.040
<v Speaker 4>Our kids love fried rice, which is a combination of

0:55:31.120 --> 0:55:34.000
<v Speaker 4>rice and all of our leftovers, so that's always a win.

0:55:34.440 --> 0:55:37.760
<v Speaker 4>They also love when Matt cooks salmon.

0:55:37.760 --> 0:55:39.760
<v Speaker 1>Oh, crispy salmon on the griddle.

0:55:40.080 --> 0:55:43.440
<v Speaker 4>Salmon, it is always a hit. Or if you smoke

0:55:43.480 --> 0:55:45.759
<v Speaker 4>any kind of meat, they love that too. Which but

0:55:45.880 --> 0:55:49.759
<v Speaker 4>we turn into like tacos or have with you know,

0:55:49.840 --> 0:55:52.319
<v Speaker 4>mac and cheese and broccoli or something. Everybody likes all

0:55:52.320 --> 0:55:54.799
<v Speaker 4>those meals. I get weird sometimes and I push my

0:55:54.840 --> 0:55:59.720
<v Speaker 4>family to eat weird things, but those are all easy.

0:55:59.560 --> 0:56:02.600
<v Speaker 1>Current And I'll also say our kids tend to be

0:56:02.680 --> 0:56:05.120
<v Speaker 1>very adventurous eaters. I think a lot of folks listening

0:56:05.120 --> 0:56:08.480
<v Speaker 1>are like salmon. Your kids like crispy, Like what does

0:56:08.480 --> 0:56:09.040
<v Speaker 1>that even mean?

0:56:10.239 --> 0:56:12.080
<v Speaker 4>I like the skin on the backs.

0:56:12.680 --> 0:56:15.840
<v Speaker 1>So the trick is, we get the big fresh filet

0:56:15.960 --> 0:56:18.880
<v Speaker 1>from Aldi, never been frozen, and you get that griddle,

0:56:18.920 --> 0:56:20.480
<v Speaker 1>take it outside because it's gonna smell. You get it

0:56:20.480 --> 0:56:22.720
<v Speaker 1>screaming hot, put the hot oil on there, and salt

0:56:22.719 --> 0:56:24.400
<v Speaker 1>the skin, put its skin side down and let it

0:56:24.480 --> 0:56:27.279
<v Speaker 1>just go and that skin gets all crispy. It's like

0:56:27.360 --> 0:56:28.200
<v Speaker 1>a potato chip.

0:56:28.640 --> 0:56:31.000
<v Speaker 4>Also, Matt pitched it to them like potato chips, and

0:56:31.040 --> 0:56:33.160
<v Speaker 4>so that's what they think it tastes like, and that's

0:56:33.239 --> 0:56:34.279
<v Speaker 4>part of why they love it.

0:56:34.320 --> 0:56:34.839
<v Speaker 1>That's the winter.

0:56:35.200 --> 0:56:36.759
<v Speaker 3>Now you're starting to sound like our buddy Franky from

0:56:36.800 --> 0:56:41.319
<v Speaker 3>Strugglemeals over there, just given recipes on the Yeah, all right,

0:56:41.360 --> 0:56:41.920
<v Speaker 3>and what's that?

0:56:42.120 --> 0:56:42.400
<v Speaker 1>Okay?

0:56:42.600 --> 0:56:45.040
<v Speaker 3>The go to the meal our kids love is probably,

0:56:45.160 --> 0:56:49.560
<v Speaker 3>to our ever loving shame, it's this spaghetti that my

0:56:49.640 --> 0:56:54.440
<v Speaker 3>grand's just resp me from my grandma. And yeah, it's brown.

0:56:54.760 --> 0:56:55.280
<v Speaker 2>It's brown.

0:56:55.440 --> 0:56:57.560
<v Speaker 1>It's like it's from the active orange.

0:56:57.560 --> 0:56:59.080
<v Speaker 3>Look right, is what I would say. That's how I

0:56:59.080 --> 0:57:04.160
<v Speaker 3>classify it. And it's not nice, but it's it's made

0:57:04.200 --> 0:57:06.919
<v Speaker 3>from canned soups and stuff like that. But our kids

0:57:06.960 --> 0:57:09.839
<v Speaker 3>love it. They love it, and so I grew up

0:57:09.840 --> 0:57:10.920
<v Speaker 3>eating it my kids.

0:57:11.440 --> 0:57:13.680
<v Speaker 2>I just want to make not that I eat it.

0:57:15.719 --> 0:57:19.600
<v Speaker 2>I am having a Saladin, yes, but when I'm in class,

0:57:19.600 --> 0:57:21.240
<v Speaker 2>are gone. That's what you cook for them, and they

0:57:21.240 --> 0:57:23.240
<v Speaker 2>love that chicken pot pie. I have a very simple

0:57:23.320 --> 0:57:27.600
<v Speaker 2>chicken pot pie recipe and make a lot. I am

0:57:27.640 --> 0:57:30.000
<v Speaker 2>not a food wizard. Actually, pretty much all I know

0:57:30.000 --> 0:57:31.880
<v Speaker 2>I've learned from Kate, Like, Kate, what are you making

0:57:31.880 --> 0:57:33.320
<v Speaker 2>for dinner? Tell me how to make it. That's what

0:57:33.320 --> 0:57:33.960
<v Speaker 2>we're having tonight.

0:57:34.560 --> 0:57:37.120
<v Speaker 3>Well, they love mac and cheese. To make mac and cheese,

0:57:37.400 --> 0:57:38.680
<v Speaker 3>a lot of mac and cheese goes.

0:57:38.600 --> 0:57:40.919
<v Speaker 2>With everything, right, Kate, Kate tell me that one too.

0:57:43.120 --> 0:57:44.960
<v Speaker 3>All right, Nina has a couple of questions. She says,

0:57:45.000 --> 0:57:47.040
<v Speaker 3>what's your favorite store to shop? And where do you

0:57:47.040 --> 0:57:49.320
<v Speaker 3>get your haircut? How much would you pay for one?

0:57:49.560 --> 0:57:49.760
<v Speaker 2>Uh?

0:57:50.240 --> 0:57:50.440
<v Speaker 1>You know.

0:57:50.560 --> 0:57:52.440
<v Speaker 2>One of the number one perks. But moving to the

0:57:52.440 --> 0:57:57.800
<v Speaker 2>Burbs is affordable haircuts. I found. Well, no, jo I

0:57:57.840 --> 0:58:00.200
<v Speaker 2>go to the same place. Joel's mom goes to that

0:58:01.160 --> 0:58:03.160
<v Speaker 2>and okay, it goes too because she can cut and

0:58:03.200 --> 0:58:04.920
<v Speaker 2>color hair for under one hundred dollars.

0:58:05.240 --> 0:58:06.080
<v Speaker 1>So I did you not?

0:58:06.840 --> 0:58:10.040
<v Speaker 2>Yeah, which is insane? Under is it? No? No? I

0:58:10.040 --> 0:58:13.040
<v Speaker 2>think it's like maybe when I just get it cut,

0:58:13.160 --> 0:58:14.840
<v Speaker 2>it's still maybe it's color.

0:58:14.920 --> 0:58:17.520
<v Speaker 1>I mean you're talking like, yeah, but you can you're

0:58:17.520 --> 0:58:23.040
<v Speaker 1>probably Cheryl hook cut. Well, it's so you're paying four

0:58:23.080 --> 0:58:23.600
<v Speaker 1>to five times.

0:58:23.680 --> 0:58:25.720
<v Speaker 2>Oh yeah, it's so cheap that we told our friends

0:58:25.920 --> 0:58:27.960
<v Speaker 2>in the city who now trap out to the Burbs

0:58:27.960 --> 0:58:32.480
<v Speaker 2>to get their hair cut. Lisa's shout out to Lisa.

0:58:33.440 --> 0:58:36.200
<v Speaker 1>Don't we're not going to share her number because right, yeah,

0:58:36.400 --> 0:58:38.640
<v Speaker 1>we don't want to see her rates go up. We

0:58:38.720 --> 0:58:42.320
<v Speaker 1>want her to be paid competitively. What she's she's like

0:58:42.360 --> 0:58:45.000
<v Speaker 1>your dentist. Yeah, you know we talked about on the show.

0:58:45.000 --> 0:58:49.360
<v Speaker 1>I edited that out so that well, I didn't want

0:58:49.360 --> 0:58:51.080
<v Speaker 1>it to sayd like I was disparaging his office, that

0:58:51.160 --> 0:58:53.760
<v Speaker 1>kind of thing. So yeah, springs coming out of the

0:58:53.840 --> 0:58:57.000
<v Speaker 1>chair as well. Exactly okay, but so real quick lightning

0:58:57.000 --> 0:58:59.200
<v Speaker 1>a round. You have a favorite store, she was asking

0:58:59.200 --> 0:59:00.720
<v Speaker 1>about favorite shop, favorite store.

0:59:01.320 --> 0:59:03.800
<v Speaker 4>I shop a lot of secondhand stores, a lot of

0:59:03.840 --> 0:59:07.080
<v Speaker 4>thrift stores, a lot of antique stores. Most of my

0:59:07.120 --> 0:59:09.120
<v Speaker 4>clothes are from the thrift store. And I do not

0:59:09.640 --> 0:59:12.640
<v Speaker 4>hesitate to tell people all the time that's where I

0:59:12.640 --> 0:59:16.440
<v Speaker 4>got my clothes. But I just love seeing people's old stuff.

0:59:16.520 --> 0:59:19.320
<v Speaker 4>I think it's so interesting. I really don't like going

0:59:19.360 --> 0:59:21.840
<v Speaker 4>to store and spending a whole lot of money on

0:59:22.640 --> 0:59:24.320
<v Speaker 4>I'll do that maybe a couple of times a year.

0:59:24.360 --> 0:59:27.880
<v Speaker 4>I'll buy, like a new dresser, nice jeans, but I

0:59:27.880 --> 0:59:29.840
<v Speaker 4>will say the last nice dress and jeans I got.

0:59:29.840 --> 0:59:32.920
<v Speaker 4>We're at a good will near my house. People in

0:59:32.960 --> 0:59:34.720
<v Speaker 4>the burbs are just putting stuff in the thirst store

0:59:34.760 --> 0:59:36.120
<v Speaker 4>with tags on them, tags.

0:59:35.920 --> 0:59:38.520
<v Speaker 1>On them getting the good stuff.

0:59:39.240 --> 0:59:42.120
<v Speaker 2>Kate is also a thrift store wizard, so she comes

0:59:42.160 --> 0:59:43.200
<v Speaker 2>home with all kinds of good mine.

0:59:43.240 --> 0:59:43.960
<v Speaker 1>It's just a wizard.

0:59:44.160 --> 0:59:46.120
<v Speaker 4>She is a wizard a lot to get into the

0:59:46.200 --> 0:59:48.600
<v Speaker 4>bottom line, is a wizard.

0:59:49.640 --> 0:59:51.800
<v Speaker 2>Okay, so stores, you know, I'm gonna be honest. I'm

0:59:51.840 --> 0:59:54.959
<v Speaker 2>not a huge shopper, so I think when I would

0:59:54.960 --> 0:59:55.360
<v Speaker 2>you say that.

0:59:55.400 --> 1:00:00.600
<v Speaker 1>Joel does more of the household one of the grocery store.

1:00:00.680 --> 1:00:05.040
<v Speaker 1>It is something to share with. Yes, yes, my mom

1:00:05.080 --> 1:00:05.600
<v Speaker 1>loves shopping.

1:00:06.080 --> 1:00:08.280
<v Speaker 3>If I caught my mom, I guarantee you she's either

1:00:08.480 --> 1:00:10.640
<v Speaker 3>at home just got home from a shopping trip, or

1:00:10.680 --> 1:00:13.160
<v Speaker 3>she's at the store shopping. So like, I inherited this

1:00:13.240 --> 1:00:16.520
<v Speaker 3>gene and I tried to, uh, I don't downplay it

1:00:16.680 --> 1:00:17.920
<v Speaker 3>because my mom loves shopping.

1:00:17.960 --> 1:00:19.880
<v Speaker 2>So oftentimes I'll be like, Joel, I want these kind

1:00:19.880 --> 1:00:22.480
<v Speaker 2>of shoes. They're kind of expensive. Here's a picture of them.

1:00:22.560 --> 1:00:24.760
<v Speaker 2>You know, can you find them in Joel? Like, I

1:00:24.800 --> 1:00:27.080
<v Speaker 2>honestly think you buy all my shoes. Like I cannot

1:00:27.080 --> 1:00:28.760
<v Speaker 2>think of the last time I actually went shopping for

1:00:28.760 --> 1:00:32.680
<v Speaker 2>shoes because you find them all. Yeah, this is what

1:00:32.760 --> 1:00:34.560
<v Speaker 2>I want. Go find it and he and he does.

1:00:34.920 --> 1:00:36.800
<v Speaker 1>I feel more like I'm like a dog chased it

1:00:36.880 --> 1:00:37.080
<v Speaker 1>for a b.

1:00:39.800 --> 1:00:40.640
<v Speaker 2>He's a shoe wizard.

1:00:40.680 --> 1:00:41.320
<v Speaker 4>I can be a.

1:00:41.320 --> 1:00:43.240
<v Speaker 3>Personal shopper and this might be a side hustle.

1:00:43.400 --> 1:00:47.080
<v Speaker 2>You really could. Yeah, so you know, I'm more intend

1:00:47.200 --> 1:00:48.720
<v Speaker 2>to like when I'm out, Like I think if a

1:00:48.760 --> 1:00:50.520
<v Speaker 2>family trip. I was out shopping with your mom and

1:00:50.560 --> 1:00:52.960
<v Speaker 2>we ran into this little boutique and I bought like

1:00:53.000 --> 1:00:55.000
<v Speaker 2>four things, which I usually don't do, but now like

1:00:55.040 --> 1:00:57.240
<v Speaker 2>I've worn those four things all summer, Like I tend

1:00:57.240 --> 1:00:59.400
<v Speaker 2>to buy things that I like that I will just

1:00:59.400 --> 1:01:04.560
<v Speaker 2>swear a lot that I can. Yeah, experts generally. Sorry,

1:01:04.560 --> 1:01:06.560
<v Speaker 2>I wish I was more helpful with specifics, but it's

1:01:06.600 --> 1:01:06.920
<v Speaker 2>all good.

1:01:06.960 --> 1:01:09.280
<v Speaker 1>Target probably is another go to if it's like, eh,

1:01:09.320 --> 1:01:10.040
<v Speaker 1>where else are we going?

1:01:10.280 --> 1:01:12.000
<v Speaker 2>It's just quick. I mean, it's just easy. You can

1:01:12.040 --> 1:01:13.680
<v Speaker 2>get everything a one stop And.

1:01:13.960 --> 1:01:16.280
<v Speaker 3>I love Costco, but I refuse to wear any clothing

1:01:16.280 --> 1:01:18.760
<v Speaker 3>on him from Costco. Sorry, sorry, guys, Like.

1:01:18.760 --> 1:01:20.480
<v Speaker 2>It's just I have a pair of sandals.

1:01:21.800 --> 1:01:24.120
<v Speaker 1>Yeah, most of the clothing like it's just sorry, it's

1:01:24.160 --> 1:01:28.840
<v Speaker 1>just for doesn't quite do it for they it doesn't

1:01:28.880 --> 1:01:33.520
<v Speaker 1>fit me have a butting sense of style. Let's keep

1:01:33.600 --> 1:01:37.040
<v Speaker 1>moving U. Dan basically asked, like, and him and his wife,

1:01:37.040 --> 1:01:39.000
<v Speaker 1>they're thinking about having kids soon. They're trying to find

1:01:39.000 --> 1:01:41.840
<v Speaker 1>that balance between saving a ton of money now, like

1:01:41.880 --> 1:01:45.160
<v Speaker 1>saving and investing and getting ahead with their finances, versus thinking,

1:01:45.480 --> 1:01:47.840
<v Speaker 1>we're about to have kids, we should splurge a little bit,

1:01:47.880 --> 1:01:50.400
<v Speaker 1>go on trips. How do you think he should approach

1:01:50.480 --> 1:01:54.320
<v Speaker 1>that whole, that dichotomy? Essentially, Emily, you have any thoughts

1:01:54.560 --> 1:01:56.120
<v Speaker 1>as a mother of three, I.

1:01:56.080 --> 1:01:58.600
<v Speaker 2>Think it's just it's both, you know, I think it's

1:01:58.680 --> 1:02:00.919
<v Speaker 2>easy to think of your life as before and after

1:02:01.280 --> 1:02:03.840
<v Speaker 2>with kids, but it's it's not true, Like they're not

1:02:04.000 --> 1:02:06.760
<v Speaker 2>the end all of everything. And so I would say, like,

1:02:06.760 --> 1:02:08.520
<v Speaker 2>if are there smaller trips that you could take that

1:02:08.560 --> 1:02:10.680
<v Speaker 2>allow you still to save some but also to go

1:02:10.720 --> 1:02:15.200
<v Speaker 2>on a trip, and it's just all are nothing, especially

1:02:15.240 --> 1:02:17.320
<v Speaker 2>when you think about throwing kids to the mix. Just

1:02:17.440 --> 1:02:20.320
<v Speaker 2>isn't I would just think more broadly, I guess, is

1:02:20.320 --> 1:02:22.640
<v Speaker 2>what I'm saying, So take the small trips, make the memories,

1:02:22.640 --> 1:02:24.439
<v Speaker 2>because it's so true you don't get that time back

1:02:24.440 --> 1:02:27.200
<v Speaker 2>without kids, But you also need to save some for

1:02:27.280 --> 1:02:27.880
<v Speaker 2>kids as well.

1:02:28.000 --> 1:02:30.720
<v Speaker 1>Yeah, the power of compounding returns. Like when I look back,

1:02:30.920 --> 1:02:34.680
<v Speaker 1>I do not regret having saved and invested as aggressively

1:02:34.720 --> 1:02:37.400
<v Speaker 1>as we did because of the options that it now

1:02:37.480 --> 1:02:40.320
<v Speaker 1>affords us. Now, I mean true, but you agree.

1:02:40.680 --> 1:02:44.240
<v Speaker 4>But that being said, we went on some predy epic trips.

1:02:44.000 --> 1:02:46.920
<v Speaker 2>Right, you know they're kids that are huge. I mean

1:02:46.920 --> 1:02:48.520
<v Speaker 2>we still talk about those trips. I think those were

1:02:48.560 --> 1:02:49.600
<v Speaker 2>a foundational we did.

1:02:49.720 --> 1:02:51.800
<v Speaker 3>We try to do them on a dime and like

1:02:51.800 --> 1:02:53.640
<v Speaker 3>whether it was a baby moon kind of kind of

1:02:53.640 --> 1:02:55.400
<v Speaker 3>trip where it's like we're staying within the state but

1:02:55.800 --> 1:02:57.880
<v Speaker 3>we're cool that we haven't explored yet, and we're getting

1:02:58.040 --> 1:03:00.960
<v Speaker 3>like one of the cheapest per night places we can find,

1:03:01.560 --> 1:03:04.200
<v Speaker 3>and we're driving, which means no airfare all that kind

1:03:04.200 --> 1:03:05.760
<v Speaker 3>of stuff, or we're getting a lot of ways you

1:03:05.760 --> 1:03:07.439
<v Speaker 3>can cut the costs. Yeah, yeah, I mean I talked

1:03:07.440 --> 1:03:09.840
<v Speaker 3>about our thirteenth anniversary trip. It's gonna be to New

1:03:09.880 --> 1:03:12.840
<v Speaker 3>York City and Southwest points like for the wind to

1:03:12.920 --> 1:03:14.600
<v Speaker 3>book both flights. Right, So those are the kind of

1:03:14.640 --> 1:03:17.760
<v Speaker 3>things where I think there's ways to do it, ways

1:03:17.800 --> 1:03:21.520
<v Speaker 3>to skin the cat without like foregoing not maxing out

1:03:21.520 --> 1:03:23.520
<v Speaker 3>the wroth or something because you're like, let's let's have

1:03:23.560 --> 1:03:26.840
<v Speaker 3>more experiences before the baby comes, or like you I

1:03:26.840 --> 1:03:28.920
<v Speaker 3>think you really can do both for sure, Like you.

1:03:28.880 --> 1:03:31.440
<v Speaker 1>Should probably think more in that mindset, like you're not

1:03:31.480 --> 1:03:33.040
<v Speaker 1>going to do one all the way and you're not

1:03:33.040 --> 1:03:34.320
<v Speaker 1>gonna do the other one all the way. But the

1:03:34.680 --> 1:03:37.040
<v Speaker 1>true answer is probably somewhere in the middle. But where

1:03:37.040 --> 1:03:38.600
<v Speaker 1>exactly you're going to fall in the middle comes down

1:03:38.640 --> 1:03:41.720
<v Speaker 1>to Dan and his wife and what's important to them and.

1:03:41.760 --> 1:03:44.000
<v Speaker 2>Helps you think creatively, I mean black and white thinking

1:03:44.040 --> 1:03:48.439
<v Speaker 2>and either thinking just like snuffs out creativity, So get

1:03:48.440 --> 1:03:49.240
<v Speaker 2>creative balance.

1:03:49.760 --> 1:03:54.280
<v Speaker 4>I mean yeah, like just going into having kids with

1:03:54.440 --> 1:03:57.800
<v Speaker 4>your relationship and a balanced oh yeah, where you guys

1:03:57.800 --> 1:04:01.600
<v Speaker 4>are both feeling good relational, Like if you have done

1:04:01.600 --> 1:04:05.800
<v Speaker 4>nothing but save money and sit at home and then

1:04:05.840 --> 1:04:08.920
<v Speaker 4>you have kids, like one of you could could potentially

1:04:08.920 --> 1:04:11.880
<v Speaker 4>be resentful in that scenario. And if all you've done

1:04:11.960 --> 1:04:13.600
<v Speaker 4>is travel and you go into having a kid with

1:04:13.640 --> 1:04:15.880
<v Speaker 4>no money, that could be really stressful for one person

1:04:15.880 --> 1:04:16.520
<v Speaker 4>in that scenario.

1:04:16.520 --> 1:04:17.800
<v Speaker 1>So it depends on the company.

1:04:17.800 --> 1:04:21.520
<v Speaker 4>I really think that the balance and the health of

1:04:21.560 --> 1:04:23.440
<v Speaker 4>the relationship whatever it looks like for you guys to

1:04:23.480 --> 1:04:26.080
<v Speaker 4>build health in your relationship before you have kids. If

1:04:26.080 --> 1:04:28.520
<v Speaker 4>that's travel great, If it's not, that's okay. Just because

1:04:28.520 --> 1:04:30.840
<v Speaker 4>everyone else baby means doesn't mean you have to like

1:04:30.920 --> 1:04:33.400
<v Speaker 4>whatever you need to do to feel on the same

1:04:33.440 --> 1:04:36.360
<v Speaker 4>page as your partner is the right thing to do.

1:04:36.600 --> 1:04:39.960
<v Speaker 3>Yeah, I think sometimes loving money is the answer to everything.

1:04:40.040 --> 1:04:42.320
<v Speaker 3>Like we think that from a political perspective too, right,

1:04:42.360 --> 1:04:44.280
<v Speaker 3>it's like, oh, funnel more money to the schools, that'll

1:04:44.280 --> 1:04:46.840
<v Speaker 3>make them better, And it doesn't always pan out like that,

1:04:46.880 --> 1:04:49.480
<v Speaker 3>and in fact, that's the obays true so much of

1:04:49.520 --> 1:04:49.720
<v Speaker 3>the time.

1:04:49.800 --> 1:04:50.000
<v Speaker 1>Yeah.

1:04:50.040 --> 1:04:51.880
<v Speaker 3>Yeah, And so if we can do it thoughtfully, spend

1:04:51.920 --> 1:04:54.440
<v Speaker 3>the money thoughtfully, then I think can go a long way,

1:04:55.000 --> 1:04:57.800
<v Speaker 3>and then we have enough hopefully to invest and prepare

1:04:57.840 --> 1:04:59.560
<v Speaker 3>for that future kid as well.

1:04:59.680 --> 1:05:02.320
<v Speaker 4>But yeah, I would say maybe do fully fund an

1:05:02.320 --> 1:05:05.400
<v Speaker 4>emergency fund. Oh yeah, if you're like, make sure that

1:05:05.400 --> 1:05:06.160
<v Speaker 4>that's funded.

1:05:06.360 --> 1:05:09.760
<v Speaker 1>Yeah, we're not advocating for yolo spend all the money

1:05:09.840 --> 1:05:12.120
<v Speaker 1>you've got now in order to get the memories in

1:05:12.120 --> 1:05:14.320
<v Speaker 1>because definitely don't do it if you're going into debt, right, But.

1:05:14.320 --> 1:05:16.640
<v Speaker 4>No, yeah, definitely not. And I mean, babies can end

1:05:16.680 --> 1:05:19.080
<v Speaker 4>up costing a lot, as we have personally found out,

1:05:19.200 --> 1:05:21.880
<v Speaker 4>so having that emergency fund there is good. It doesn't

1:05:21.880 --> 1:05:23.920
<v Speaker 4>mean you save every cent, but it does mean that

1:05:24.360 --> 1:05:26.080
<v Speaker 4>you have that cushion behind you.

1:05:26.120 --> 1:05:27.000
<v Speaker 1>Totally okay.

1:05:27.080 --> 1:05:29.440
<v Speaker 3>On the kiddo note, Susan says, how do you decide

1:05:29.520 --> 1:05:32.680
<v Speaker 3>how much detail to share with your children about your finances? Kate,

1:05:32.720 --> 1:05:34.240
<v Speaker 3>you want to start this one off?

1:05:34.600 --> 1:05:34.840
<v Speaker 2>Sure?

1:05:34.880 --> 1:05:36.840
<v Speaker 4>I mean we talk about money a lot with our kids.

1:05:36.920 --> 1:05:41.200
<v Speaker 4>It's small casual conversations. It's not hard numbers like this,

1:05:41.320 --> 1:05:43.000
<v Speaker 4>how much the house costs? You know they're going to

1:05:43.000 --> 1:05:44.120
<v Speaker 4>ask that. We're not going to say.

1:05:46.040 --> 1:05:48.840
<v Speaker 1>They do ask that the older they get their curious.

1:05:48.680 --> 1:05:50.120
<v Speaker 4>But you could tell them one hundred dollars and they'd

1:05:50.160 --> 1:05:54.040
<v Speaker 4>be like whoa. Yeah. So we don't talk about the

1:05:54.160 --> 1:05:56.760
<v Speaker 4>numbers as much on big things like that. But they

1:05:57.360 --> 1:05:59.680
<v Speaker 4>are handling money at the ages that they are, and

1:05:59.680 --> 1:06:02.360
<v Speaker 4>they have little, little amounts of money to their name,

1:06:02.400 --> 1:06:05.600
<v Speaker 4>and so we are running through scenarios with them as

1:06:05.640 --> 1:06:08.400
<v Speaker 4>they decide to spend it or not spend it. And

1:06:09.800 --> 1:06:12.600
<v Speaker 4>I think just small casual conversations that aren't loaded with

1:06:12.640 --> 1:06:15.960
<v Speaker 4>emotion is a great way to introduce them to money

1:06:16.480 --> 1:06:20.400
<v Speaker 4>in a like, I guess, a balanced, easy way that

1:06:20.520 --> 1:06:24.680
<v Speaker 4>isn't Yeah, loaded with a lot of meaning or weight

1:06:25.360 --> 1:06:28.640
<v Speaker 4>behind those conversations, and they overhear us have conversations too,

1:06:28.760 --> 1:06:32.720
<v Speaker 4>like if we're comparing gut or cleaning quotes, like they're

1:06:32.760 --> 1:06:35.800
<v Speaker 4>listening to us talk through the pros and cons of

1:06:35.840 --> 1:06:38.080
<v Speaker 4>the different options and what they're going to do, and

1:06:38.560 --> 1:06:41.000
<v Speaker 4>they're listening to us have conversations that are also not

1:06:41.080 --> 1:06:43.640
<v Speaker 4>loaded with emotion, and sometimes do have a little piece

1:06:43.640 --> 1:06:46.320
<v Speaker 4>of that where they hear us disagree. So I think

1:06:46.400 --> 1:06:49.560
<v Speaker 4>all of all that to say, like they're part of

1:06:49.600 --> 1:06:52.240
<v Speaker 4>the ongoing conversation of money in our house. It's not

1:06:52.320 --> 1:06:55.040
<v Speaker 4>like pervasive, but it comes up a couple times a

1:06:55.040 --> 1:06:57.040
<v Speaker 4>week and they hear it and or they're part of it,

1:06:57.160 --> 1:06:59.760
<v Speaker 4>or they ask questions. So I just want them to

1:06:59.800 --> 1:07:03.560
<v Speaker 4>not feel like it's this totally separate thing from life

1:07:03.640 --> 1:07:07.800
<v Speaker 4>where they like handle all of this in uh secrecy

1:07:07.920 --> 1:07:11.120
<v Speaker 4>or yeah, yeah, like it's part of everything we decide

1:07:11.160 --> 1:07:11.360
<v Speaker 4>to do.

1:07:11.640 --> 1:07:12.600
<v Speaker 1>Yeah, I think totally.

1:07:12.600 --> 1:07:15.479
<v Speaker 3>At least me, growing up, the conversations were typically fraught

1:07:15.520 --> 1:07:18.360
<v Speaker 3>around money. There's a lot of emotion, and it was

1:07:18.400 --> 1:07:21.200
<v Speaker 3>also like when you're not supposed to hear it, and

1:07:21.240 --> 1:07:23.880
<v Speaker 3>so when I heard it, it was super emotional and

1:07:24.200 --> 1:07:26.920
<v Speaker 3>that wasn't necessarily the best the best thing for the

1:07:26.920 --> 1:07:29.640
<v Speaker 3>way for a kid to get initiated into money convos.

1:07:29.680 --> 1:07:31.439
<v Speaker 3>So yeah, taking the emotion out of it, but also

1:07:31.560 --> 1:07:34.680
<v Speaker 3>making it normal every day I think is really important.

1:07:34.680 --> 1:07:38.240
<v Speaker 3>Where Evy was telling me, your oldest was telling me today,

1:07:38.280 --> 1:07:40.280
<v Speaker 3>like she made seven bucks for doing something to your

1:07:40.520 --> 1:07:41.919
<v Speaker 3>rug or somebody fixed her.

1:07:42.120 --> 1:07:45.440
<v Speaker 4>Yeah, got braided tassels on her rug, and that little

1:07:45.520 --> 1:07:50.280
<v Speaker 4>robot vacuum keeps unbraiding them. And so I stupidly was like,

1:07:50.320 --> 1:07:52.240
<v Speaker 4>you can have a dollar for every one of those

1:07:52.280 --> 1:07:54.040
<v Speaker 4>that you fix, and then she fixed seven of them.

1:07:54.040 --> 1:07:56.160
<v Speaker 4>I was like, okay, well, yeah, this is kind of

1:07:56.160 --> 1:07:56.800
<v Speaker 4>a lot, but all.

1:07:56.760 --> 1:08:00.880
<v Speaker 2>Right, it's great. I would say the emotion I do

1:08:01.040 --> 1:08:04.720
<v Speaker 2>try to instill around money is just gratitude. I think

1:08:05.000 --> 1:08:09.160
<v Speaker 2>when kids grow up used to a certain standard of living,

1:08:09.280 --> 1:08:12.000
<v Speaker 2>you can lose perspective that that it's actually a gift

1:08:12.480 --> 1:08:15.720
<v Speaker 2>and that not everyone else has the same privilege or

1:08:15.720 --> 1:08:19.640
<v Speaker 2>can think about money the same. So I think, like

1:08:19.680 --> 1:08:21.720
<v Speaker 2>this beach else, like we've talked about how nice it is.

1:08:21.760 --> 1:08:23.719
<v Speaker 2>We're like, isn't this great? We're thankful for the pool

1:08:23.760 --> 1:08:25.599
<v Speaker 2>and we're fortunate, and like.

1:08:26.040 --> 1:08:27.840
<v Speaker 1>Maybe this is a privilege. Folks. We're still a little

1:08:27.880 --> 1:08:28.640
<v Speaker 1>uncomfortable with this.

1:08:28.800 --> 1:08:31.960
<v Speaker 2>I don't know, you know, so I think, which I

1:08:32.000 --> 1:08:34.640
<v Speaker 2>actually do agree. I think learning about it unemotionally has

1:08:34.680 --> 1:08:38.120
<v Speaker 2>been is great. But I do try to foster the

1:08:38.160 --> 1:08:40.960
<v Speaker 2>sense of gratitude and a little bit of perspective, you know,

1:08:41.040 --> 1:08:45.880
<v Speaker 2>because as Americans we're wealthy and you know, living it's

1:08:45.920 --> 1:08:48.120
<v Speaker 2>been interesting, even moving from the city to the burbs.

1:08:48.160 --> 1:08:52.160
<v Speaker 2>The way you see money spent is different. And having

1:08:52.200 --> 1:08:54.920
<v Speaker 2>those kind of conversations just on perspective and how other

1:08:54.960 --> 1:08:58.000
<v Speaker 2>people might feel about money or view money. Those are

1:08:58.040 --> 1:08:59.679
<v Speaker 2>things I think kids inherit from us too.

1:09:00.320 --> 1:09:04.519
<v Speaker 3>Defending off a sense of entitlement is absolutely not terribly easy,

1:09:04.560 --> 1:09:08.160
<v Speaker 3>and it's like a constant task, right to help your

1:09:08.240 --> 1:09:13.160
<v Speaker 3>kids understand and feel that sense of contentment and thankfulness, gratitude,

1:09:13.520 --> 1:09:16.400
<v Speaker 3>and so yeah, that's definitely something we work on a

1:09:16.400 --> 1:09:19.840
<v Speaker 3>lot at the dinner table and other times too. It's like, yeah,

1:09:19.960 --> 1:09:22.519
<v Speaker 3>let's be thankful for this thing because it's a big deal.

1:09:23.000 --> 1:09:25.519
<v Speaker 3>And you know, even if it's not some sort of

1:09:26.400 --> 1:09:29.360
<v Speaker 3>splurge that you know, broke broke the bank or anything

1:09:29.439 --> 1:09:30.840
<v Speaker 3>like that, this is a big deal for our family

1:09:30.840 --> 1:09:32.639
<v Speaker 3>to spend money this way, we're going to really appreciate

1:09:32.680 --> 1:09:33.320
<v Speaker 3>it and be thankful for.

1:09:33.360 --> 1:09:34.479
<v Speaker 2>It, and we're just gonna enjoy it.

1:09:34.560 --> 1:09:37.120
<v Speaker 1>Yeah, yeah, totally. No, I do think that is good

1:09:37.320 --> 1:09:40.439
<v Speaker 1>to not like divorce emotions from it completely because it's

1:09:40.439 --> 1:09:42.800
<v Speaker 1>still because then it doesn't feel real, right, because then

1:09:42.840 --> 1:09:45.240
<v Speaker 1>you're just crunching numbers like AI or something like that.

1:09:45.280 --> 1:09:49.400
<v Speaker 1>You're just like computing data. And that's not what we are.

1:09:49.479 --> 1:09:51.680
<v Speaker 1>We're not just computers, right, Like, we're individuals that have

1:09:51.760 --> 1:09:54.000
<v Speaker 1>feelings that do get to enjoy things, and so keeping

1:09:54.040 --> 1:09:57.120
<v Speaker 1>that in perspective and keeping it within sort of a

1:09:57.160 --> 1:10:02.519
<v Speaker 1>healthy framework is really helpful, by agree, Matt. True, but okay,

1:10:02.520 --> 1:10:07.080
<v Speaker 1>So last question the Kate and Emily show. Rihanna asks

1:10:07.600 --> 1:10:10.520
<v Speaker 1>if Kate Emily if they had their own bestie podcast,

1:10:10.880 --> 1:10:13.040
<v Speaker 1>what would be the topic? What do y'all think y'all

1:10:13.040 --> 1:10:13.639
<v Speaker 1>would talk about?

1:10:13.680 --> 1:10:17.320
<v Speaker 2>If weird thing, the.

1:10:17.280 --> 1:10:23.680
<v Speaker 4>Weirdest, most disjointed Emily believe it or not to talk

1:10:23.680 --> 1:10:24.439
<v Speaker 4>to each other about it?

1:10:24.880 --> 1:10:27.320
<v Speaker 2>Yeah, I got to mention this to Kate. I can't

1:10:27.320 --> 1:10:27.880
<v Speaker 2>forget it weird.

1:10:27.920 --> 1:10:28.760
<v Speaker 1>I write it.

1:10:28.680 --> 1:10:31.080
<v Speaker 4>Down sometimes when I come over, I like pull out

1:10:31.080 --> 1:10:32.800
<v Speaker 4>my phone to the notes section. I'm like I got

1:10:32.800 --> 1:10:36.240
<v Speaker 4>some questions over this next week, guess what happened. That's

1:10:36.240 --> 1:10:38.559
<v Speaker 4>what it would be us going through our notes and our.

1:10:38.439 --> 1:10:40.639
<v Speaker 1>Phone talk about crazy stuff in the past week.

1:10:40.720 --> 1:10:43.000
<v Speaker 4>Lotterandom. Yeah, but I think parenting in general. I mean,

1:10:43.000 --> 1:10:44.720
<v Speaker 4>I feel like what we talk about the most is

1:10:44.760 --> 1:10:48.120
<v Speaker 4>like relational dynamics within our family, within our community. It's

1:10:48.120 --> 1:10:52.040
<v Speaker 4>like between our families. There's just it's just interesting talk

1:10:52.080 --> 1:10:54.360
<v Speaker 4>a lot about parenting and like relationships.

1:10:54.720 --> 1:10:58.080
<v Speaker 2>Yeah, I just also just information. I mean, I love

1:10:58.479 --> 1:11:00.960
<v Speaker 2>the way Kate thinks create and I love to hear

1:11:01.000 --> 1:11:03.360
<v Speaker 2>about her farm and her garden and all thrift story.

1:11:03.400 --> 1:11:05.599
<v Speaker 2>You know, I just appreciate a friend. I just feel

1:11:05.600 --> 1:11:08.799
<v Speaker 2>like we just talked about weird information on weird things,

1:11:08.920 --> 1:11:11.600
<v Speaker 2>and that would occupy your time. It would be not cohesive,

1:11:12.400 --> 1:11:14.519
<v Speaker 2>and that's why we don't have That's why we are

1:11:14.560 --> 1:11:15.160
<v Speaker 2>not the podcast.

1:11:15.560 --> 1:11:16.880
<v Speaker 1>Guys, what's the overarching theme?

1:11:16.960 --> 1:11:20.920
<v Speaker 4>Though we don't weird things that we're not.

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<v Speaker 3>Totally going to usurb Joe Rogan, I think we need

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<v Speaker 3>to start this immediately.

1:11:24.520 --> 1:11:27.320
<v Speaker 1>These conversations are are quite meandering as well.

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<v Speaker 2>Or embarrassing things we've done that would also there's a

1:11:30.680 --> 1:11:32.839
<v Speaker 2>lot of that, Like I cannot believe the interaction.

1:11:36.120 --> 1:11:37.920
<v Speaker 3>We could just call the podcast awkward moments.

1:11:38.280 --> 1:11:41.120
<v Speaker 2>Oh, Kate and I could totally fill that up. We

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<v Speaker 2>give you an hour, Yeah, easily.

1:11:43.560 --> 1:11:46.040
<v Speaker 1>We'll make sure to let let everybody knows.

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<v Speaker 4>Because they're kids.

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<v Speaker 1>Right, Okay, we've gone along, but let's quickly share. The

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<v Speaker 1>beer that we drink that we shared today was Madame

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<v Speaker 1>Rose or Rose No, I guess Madame Rose. This is

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<v Speaker 1>a Belgium styleiled Ale by Goose Island Beer Company. Ladies,

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<v Speaker 1>what were your thoughts? Oh, Emily, you didn't even drink yours?

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<v Speaker 2>You know, this isn't my style of beer. I like it.

1:12:08.640 --> 1:12:09.360
<v Speaker 2>It's really good.

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<v Speaker 1>It's a good three empty glasses in one drink about.

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<v Speaker 2>Half of it. It's more for me, that's true. Well,

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<v Speaker 2>now I'm embarrassed. Is it a sour beer?

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<v Speaker 1>Yeah?

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<v Speaker 2>Yeah, okay, okay, yeah yeah, so that's just not my

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<v Speaker 2>jam and it's got a lot of vinegar.

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<v Speaker 1>You're an ipa gal.

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<v Speaker 2>Yeah, I would drink an ipa all day long, as

1:12:28.439 --> 1:12:30.080
<v Speaker 2>sour is not my jam. But it's good, Like I

1:12:30.080 --> 1:12:34.280
<v Speaker 2>can appreciate the craft and quality, but I'm just not

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<v Speaker 2>gonna put that back.

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<v Speaker 3>Yeah, this one had cherries in it, and this one

1:12:38.040 --> 1:12:40.920
<v Speaker 3>is from twenty seventeen, so this had like that.

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<v Speaker 1>Might be why I had more in your mind, like

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<v Speaker 1>more vinegar. Yeah, yeah, oxidized a little bit, But I

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<v Speaker 1>mean that being said, there is still a lot of body,

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<v Speaker 1>there's still a lot of sweetens.

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<v Speaker 2>Yeah it is, and that's probably why I like it.

1:12:51.040 --> 1:12:54.680
<v Speaker 2>I like the sweet too, but yeah it was. I'm

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<v Speaker 2>not the one who likes to drink pickle juice, not

1:12:57.120 --> 1:12:59.080
<v Speaker 2>pointing fingers.

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<v Speaker 1>So on that note, you probably be.

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<v Speaker 4>I did you know we used to make a drink

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<v Speaker 4>at home where we would mix apple cider, vinegar and

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<v Speaker 4>fresh cranberry juice together and I would add it to

1:13:10.400 --> 1:13:13.519
<v Speaker 4>my water to flavor it. And now, honestly this is

1:13:13.520 --> 1:13:14.720
<v Speaker 4>pretty reminiscent of that.

1:13:16.160 --> 1:13:18.599
<v Speaker 2>So like our podcast would be full of Kate's remes.

1:13:19.200 --> 1:13:22.000
<v Speaker 1>So was that Miss Braggs or something like that? Apple

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<v Speaker 1>sider vinegar with the mother? Why would you do that? Again?

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<v Speaker 1>Was that like a gut health thing? Yeah?

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<v Speaker 4>Also, I just really love vinegar. I mean I drink

1:13:30.360 --> 1:13:33.200
<v Speaker 4>I am the one literally she drinks pickle juice. Let's

1:13:33.200 --> 1:13:36.200
<v Speaker 4>be clear, only good pickle juice, not the kind of

1:13:36.240 --> 1:13:39.920
<v Speaker 4>food coloring. Yeah, I forget that obviously it burns your.

1:13:39.800 --> 1:13:44.439
<v Speaker 1>Gut net promotes gut health. Did you dig it? Man,

1:13:44.439 --> 1:13:45.360
<v Speaker 1>it's right up my alley.

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<v Speaker 3>It was Flanders Red Vibes, which is one of my

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<v Speaker 3>favorite beer styles out of Belgium. Cherries gave the nice

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<v Speaker 3>little sweet and the fruity notes along with the oak.

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<v Speaker 1>I mean this thing agent wine barrels as well, so

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<v Speaker 1>it had I think that's where some of the oak

1:13:59.240 --> 1:14:01.799
<v Speaker 1>came from, some of the depth hitting all the notes

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<v Speaker 1>for me for sure, definitely glad we got to enjoy

1:14:03.920 --> 1:14:05.599
<v Speaker 1>this one. Glad you picked this one up and that's

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<v Speaker 1>gonna be it again. If you are still listening, we

1:14:08.160 --> 1:14:13.080
<v Speaker 1>appreciate you listening to the fifth Lives episode. It's been

1:14:13.120 --> 1:14:15.240
<v Speaker 1>a lot of fun, ladies. We're thankful for y'all.

1:14:15.320 --> 1:14:17.000
<v Speaker 3>By Annuel, We'll see you do it twice a year.

1:14:17.479 --> 1:14:18.880
<v Speaker 3>Popular demand, take me to the.

1:14:18.800 --> 1:14:21.280
<v Speaker 2>Beach twice a year. Take me here. I'm already, I'm

1:14:21.400 --> 1:14:21.840
<v Speaker 2>not here.

1:14:21.880 --> 1:14:23.439
<v Speaker 3>We need to do Plus, we're gonna have to promote

1:14:23.439 --> 1:14:24.559
<v Speaker 3>your new podcast, so true.

1:14:24.600 --> 1:14:27.240
<v Speaker 1>Yeah, Ley Wed, thanks, thank y'all for coming on the

1:14:27.280 --> 1:14:27.920
<v Speaker 1>podcast today.

1:14:28.479 --> 1:14:29.759
<v Speaker 2>Thank you guys, And.

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<v Speaker 1>I'm guessing we probably won't have any show notes up.

1:14:32.080 --> 1:14:33.400
<v Speaker 1>I guess we will, but I don't know what we'll

1:14:33.439 --> 1:14:37.479
<v Speaker 1>link to, but you can find those up on the

1:14:37.479 --> 1:14:40.519
<v Speaker 1>website at hownamoney dot com and Joel. Until next time.

1:14:40.600 --> 1:14:42.679
<v Speaker 1>Best friends are out, Best Friends Out,