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Speaker 1: Welcome to How the Money. I'm Joel and I am Matt.

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Speaker 1: Today we're discussing TV spying on us, the student loan

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Speaker 1: freeze extension, and game Stop Won't Stop. Yeah, I can't stop.

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Speaker 1: Game Stop Won't Stop a little dunk twister. We are

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Speaker 1: gonna get to that story. I'm sure a lot of

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Speaker 1: folks have seen game Stop in the headlines. Uh, it

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Speaker 1: doesn't directly pertain to our personal finances, but it's been

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Speaker 1: so prominent and it's such a good example of little

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Speaker 1: spoiler alert what not to do, that we've got to

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Speaker 1: cover it. But yeah, this episode is a Friday Flight episode,

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Speaker 1: which means we're gonna cover a lot of great stories

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Speaker 1: that we saw this week and how they specifically pertain

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Speaker 1: to your personal finances. Joel, before we dive into all that,

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Speaker 1: actually got a text from my wife right before we

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Speaker 1: sat down here, and she said that your wife, Emily

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Speaker 1: is going to Costco right now and and she was

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Speaker 1: checking in to see if there's anything that we needed.

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Speaker 1: So it's just a quick little thanks to you and

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Speaker 1: your family for being our Costco mules. I guess as

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Speaker 1: you haul any goods that you may bring back, you

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Speaker 1: know from the suburbs back down to our neighborhood down

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Speaker 1: here anytime, buddy, We're glad to do it for you.

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Speaker 1: There's uh, there's nothing I actually need right now. I

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Speaker 1: was like, Nope, there's something I need. But y'all occasionally

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Speaker 1: I'll do pick stuff up for us and actually seaweed

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Speaker 1: last time I went. You guys loved the giant seaweed package.

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Speaker 1: You get this massive packs and you actually brought that over,

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Speaker 1: You biked it over. Did you just have that under

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Speaker 1: your arm? Did? Like, Matt, what is it like? A

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Speaker 1: twelve eighteen pack of something like that? Signature seaweed can't

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Speaker 1: fit into my Fannie pack? You know, yeah, exactly. How

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Speaker 1: about a quick little uh, Kirkland Signature Scotch update. You

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Speaker 1: remember of several I don't know, maybe a couple of

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Speaker 1: months ago, I mentioned how I picked up a bottle

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Speaker 1: of blended Kirkland Signature Scotch and I wanted to report back,

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Speaker 1: let people know what I thought, But unfortunately I don't

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Speaker 1: dig it. I'm not a huge fan, you know, I'm

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Speaker 1: a fan of Scotch. It was just Kirkland Signature branded scotch. Okay,

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Speaker 1: so it's Kirklands signature and The reason I had a

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Speaker 1: pounce was because the price, Dude, it was too good

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Speaker 1: to pass up. When I saw it was like, no way,

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Speaker 1: Like never before have I ever been able to buy

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Speaker 1: that much scotch. It was like a handle for like

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Speaker 1: less than twenty bucks. I was like, that's a deal.

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Speaker 1: So this this is cheap not frugal then, right, So yeah,

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Speaker 1: I say this is a frugal or cheap. Then I

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Speaker 1: would say that I kind of cheaped out because well,

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Speaker 1: for me, I'm I'm a costco nube. Right, You're more experienced,

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Speaker 1: and you would have walked right on past that. But

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Speaker 1: because there was such a large quantity for such a

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Speaker 1: low price, I couldn't pass it up. I understand why

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Speaker 1: people walk out of here with so much stuff in

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Speaker 1: their cart that they weren't expecting to spend. I will say,

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Speaker 1: there is booze that you can make. It's cheap enough

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Speaker 1: that I will not buy it, and it's a lot

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Speaker 1: of booze fits that category. Man um, just the cheapest

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Speaker 1: stuff out there seems to seems to taste the worst

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Speaker 1: and seems to have the worst effects on you the

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Speaker 1: next day too. Yeah, that is true, and so I

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Speaker 1: guess what I'm saying then is don't cheap out, don't

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Speaker 1: be like me. But I kind of just pounced as

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Speaker 1: a spur of the moment purchase. I don't want to

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Speaker 1: see I regret it because now I know better. But

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Speaker 1: just a quick word to the wise out there, Yeah,

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Speaker 1: do your due diligence. And I agree, man, that that's

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Speaker 1: a great thing. Is um the internet out there, you

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Speaker 1: can totally cut reviews like I saw that costco have.

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Speaker 1: I forget if it was a twenty two or twenty

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Speaker 1: five year old single malt Scotch, like eight five bucks

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Speaker 1: a bottle, and just to read the reviews out there

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Speaker 1: just help me to know whether or not that's something

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Speaker 1: I want in my life. And I can never bring

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Speaker 1: myself to spend like more than fifty bucks on a

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Speaker 1: bottle of anything. In my brain, I keep telling myself that,

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Speaker 1: you know, when I hit a certain accomplishment at work,

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Speaker 1: or if some extra money randomly shows up in my life,

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Speaker 1: I'm gonna treat myself every like, you know, one of

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Speaker 1: these days to a nicer bottle of bourbon or Scotch.

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Speaker 1: And I never can make it happen, man, I never

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Speaker 1: can pull the trick. I just I just have this

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Speaker 1: like artificial price points that that's not my style. I

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Speaker 1: can't spend that much on a single bottle of anything.

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Speaker 1: It's like I'm not me if I do it anymore.

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Speaker 1: That's fine. I appreciate you being true to yourself. I

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Speaker 1: was being true to you as well by by the

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Speaker 1: cheapest stuff out there, but in this case I struck out.

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Speaker 1: So yeah, all right, well, thanks for sharing. I'll make

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Speaker 1: sure to avoid that bottle in the future too. All right, well,

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Speaker 1: let's get onto the Friday flight. Quick sampling of stories

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Speaker 1: we found interesting this week. There's a bunch of stuff

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Speaker 1: in the news, Matt, but there was one website that

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Speaker 1: you stumbled on this week that's going to help people

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Speaker 1: for free when they want to work out. And we

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Speaker 1: talked about me being able to source some dumbbells from Walmart.

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Speaker 1: Last week. We hadwer other listeners kind of reaching out

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Speaker 1: on Facebook and via email, letting us know where where

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Speaker 1: they've been able to find cheap dumbeles or make their own. Right,

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Speaker 1: one of our listeners were talking about how they made

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Speaker 1: their own dumbells, and yeah, she made her own kettlebell

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Speaker 1: basically out of like a bag of sand and duct tape,

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Speaker 1: which I was like, that is that's pretty hardcore? Is Yeah?

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Speaker 1: But since then, yeah, since last week, we came across

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Speaker 1: this amazing resource of a website called dare by. I

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Speaker 1: guess that's how you say it. It's d A R

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Speaker 1: E B E E right, So dare b um and

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Speaker 1: over there. Man, they had a ton of different specific

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Speaker 1: workouts that you can try, like fitness challenges, uh, and

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Speaker 1: even like meal plans and recipes too. So if you're

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Speaker 1: looking to get in shape on the cheap at home

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Speaker 1: with minimal equip then we would totally recommend you to

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Speaker 1: check out derby dot com. They've even got like daily

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Speaker 1: workouts on there as well, and so, uh, just the

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Speaker 1: ability to kind of just hop on there and see

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Speaker 1: what they're telling you to do, do it, work it

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Speaker 1: out helps you to keep things fresh. You know, you're

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Speaker 1: not doing the same workout all the time. Jill, you

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Speaker 1: might even forego beach body, Mommy, bikini body whatever. Come on,

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Speaker 1: I'm never letting go of that one. That's the best

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Speaker 1: workout out there. If that works for you, Maybe I

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Speaker 1: do that with my wife. You be you trying to

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Speaker 1: support her in that way. It's kind of fun. Maybe

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Speaker 1: I'll start my own someday called Speedo Body Daddy. We'll see,

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Speaker 1: we'll see. I'm not gonna commit to that though, but

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Speaker 1: no check the r O. I checked out Derby though. Man,

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Speaker 1: it does look awesome and it kind of reminds me

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Speaker 1: like when I used to go to the y. They

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Speaker 1: used to have the workout charts of how you perform

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Speaker 1: certain workouts up on the wall, and Derby is like

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Speaker 1: that on your computer screen, which is kind of cool.

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Speaker 1: You can check out a bunch of different workouts there.

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Speaker 1: It's user supported, there's no ads on it, so, um,

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Speaker 1: super cool site. We will link to that in the

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Speaker 1: show notes totally. All right, let's talk about student loans, Matt.

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Speaker 1: This is something that's on everybody's mind right now, and

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Speaker 1: in non personal finance news. I hear that we got

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Speaker 1: a new president, Is that right this week? Okay? All right, yeah,

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Speaker 1: so so that's definitely news. But when it comes to

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Speaker 1: a personal finance news, our new president, President Biden, signed

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Speaker 1: a bunch of executive orders on his first day in office.

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Speaker 1: One of those which pertains to everybody out there with

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Speaker 1: student loans, which is a lot of our listeners. And

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Speaker 1: there won't be any student loan payments through the end

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Speaker 1: of September this year. All right, I know people with

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Speaker 1: student loans greatly rejoicing right now. The previous student loan

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Speaker 1: freeze was set to expire by the end of January,

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Speaker 1: but this extension ensures that Americans with federal student loans

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Speaker 1: will be able to continue to punt on their payments

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Speaker 1: without accruing more interest on those loans into the fall.

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Speaker 1: No payments happening until October. Yeah, and by then to

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Speaker 1: hopefully we'll have some sort of some sense of normalcy, right,

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Speaker 1: like certainly right, but then like COVID will kind of

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Speaker 1: be in the rear view mirror, hopefully be out of

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Speaker 1: the woods in a lot of those ways. And and

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Speaker 1: payments actually will resume in large part because our economy

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Speaker 1: will have become normalized in most ways. Yeah, exactly. Um. Yeah,

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Speaker 1: And since then too, since that executive order, the Department

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Speaker 1: of Education, they confirmed that that freeze will continue to

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Speaker 1: qualify borrowers for student loan forgiveness programs like Public Service

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Speaker 1: Loan Forgiveness, which is the PSLF program. That's definitely some

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Speaker 1: relief to student loan borrowers out there. You still will

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Speaker 1: get credit, you know, towards these programs even though you're

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Speaker 1: not making payments currently during this freeze. Yeah, I feel

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Speaker 1: like PSLF borrowers are making out like bandits. Oh yeah,

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Speaker 1: it's still counts to those ten years, but it's amazing.

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Speaker 1: What do you think about Ultimately, like fifteen percent of

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Speaker 1: the time they would have to be paying on their

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Speaker 1: student loans has been cut to zero, but that's still

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Speaker 1: counts towards PSLF because a year and a half out

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Speaker 1: of ten years. Man, that's that's pretty slick. So good

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Speaker 1: for our friends out there who are working in public service.

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Speaker 1: They are receiving a massive benefit from the pandemic and

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Speaker 1: the ways that our government is responding. I will say

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Speaker 1: to Matt, my guess is that this will be the

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Speaker 1: last deferral on student loan payments. I don't see that

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Speaker 1: happening again. At some point this fall to extended even further,

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Speaker 1: although that remains to be seen. It could happen again,

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Speaker 1: as it could, but we're hoping it doesn't, yeah, because

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Speaker 1: that would mean that things are still not, you know,

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Speaker 1: like they're supposed to be. Yeah, exactly, So for how

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Speaker 1: the money listeners, I would say to you can use

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Speaker 1: this time of no payments and no interest to achieve

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Speaker 1: other financial goals that you have and use the money

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Speaker 1: that you would have otherwise spent paying down your student

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Speaker 1: loans to create us more solid emergency fund or to

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Speaker 1: put more money into your four own k or roth

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Speaker 1: ira A. But also to make sure that you're planning

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Speaker 1: now for payments to resume in October. You don't want

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Speaker 1: to pretend that this line item doesn't exist in your

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Speaker 1: budget anymore. You don't want to spend this money and

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Speaker 1: then when October rolls around, like, oh my gosh, I'm

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Speaker 1: completely not ready for stud lung payments to resume. You

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Speaker 1: want to take this time to get prepared and to

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Speaker 1: be accomplishing other things that are on your financial to

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Speaker 1: do list in the meantime as well. Most definitely, yeah,

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Speaker 1: and so that's that's great news for college graduates with loans.

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Speaker 1: But a reminder to any current college students out there,

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Speaker 1: if your financial situation has changed, you can appeal your

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Speaker 1: financial a package with your college and there could be

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Speaker 1: additional funds for you. This is called a professional judgment.

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Speaker 1: We've talked about this before in the show, but for instance,

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Speaker 1: say you lost your job on campus, You've lost a

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Speaker 1: significant portion of your income. The way that you're going

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Speaker 1: to be paying for college, Well, that is going to

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Speaker 1: lead to some significant financial changes. And based on that information,

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Speaker 1: if you can prove that and show that to your

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Speaker 1: financial aid office there at your college, there's a good

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Speaker 1: chance that they can find more aid for you and

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Speaker 1: that they can modify your financial aid package. Yeah, and

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Speaker 1: many people don't know that, Matt, that if their financial

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Speaker 1: situation has changed, so they can essentially ask for a

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Speaker 1: redo from the financial aid department. So and once you've

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Speaker 1: done it once, you can't do it again. But but

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Speaker 1: that initial package that you received, you're not locked into

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Speaker 1: that indefinitely. Yeah. All right, let's talk about stimulus funds. Matt.

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Speaker 1: We heard from some listeners asking about stimulus payments coming

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Speaker 1: in the mail on prepaid debit cards. Understandably, there's some

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Speaker 1: reticence about the legitimacy of getting something like that in

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Speaker 1: the mail. You're like, is this is this for real?

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Speaker 1: Or is this like a scam someone's trying to get me.

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Speaker 1: But it turns out that millions of stimulus payments are

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Speaker 1: coming into people's mailboxes in the form of these prepaid cards,

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Speaker 1: these Economic impact payments or i P cards are coming

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Speaker 1: in the mail with a Department of the Treasury seal

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Speaker 1: on them, and they have at least six hundred bucks

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Speaker 1: on them. Right depending on whether or not it's you

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Speaker 1: and a partner or you and a partner and kids,

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Speaker 1: it could be a whole lot more money than six

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Speaker 1: hundred bucks. So do not toss these out. It might

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Speaker 1: look scammy, it might look fake, but it's not. It

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Speaker 1: really does look like junk mail because it's like somebody

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Speaker 1: who went through a lot of effort even to put

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Speaker 1: the seal on there is that is that gold. Wow.

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Speaker 1: But fortunately the money all these cards can be transferred

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Speaker 1: directly to your bank account, so that's good news. You know,

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Speaker 1: you don't have to use them like a credit card

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Speaker 1: at a store or even get cash out of an

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Speaker 1: A t M with it, although you could, but before

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Speaker 1: you actually use it, you'll have to create a pin

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Speaker 1: and you can do that at E I P card

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Speaker 1: dot com. But be aware of the fees associated with

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Speaker 1: these cards too. These fees aren't all that bad, but

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Speaker 1: you will be charged a fee every time you take

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Speaker 1: money out of an A t M or if you

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Speaker 1: get a cash withdrawal at the bank. Even just checking

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Speaker 1: your balance at the A t M will cost you

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Speaker 1: as well, which is totally lame. But again, once you

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Speaker 1: register your card at E I P card dot com,

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Speaker 1: you would be able to get on their log in

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Speaker 1: and you can check your balance as well as your

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Speaker 1: transaction history for free. Yeah. It's it's really interesting that

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Speaker 1: it looks like they're doubling the number of individuals who

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Speaker 1: are receiving their stimulus money via debit cards. Yeah, compared

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Speaker 1: to the stimulus payments last year. Yeah, exactly. And it

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Speaker 1: kind of makes sense that if the purpose of this

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Speaker 1: money is to stimulate the economy, that you would maybe

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Speaker 1: purposefully deliver funds in a way that makes people feel

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Speaker 1: like they should spend it um, like on a prepaid

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Speaker 1: visa card. Right. Oh, I guess I got this piece

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Speaker 1: of plastic in my hand. I should swipe it everywhere

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Speaker 1: I go. If you compare that psychologically, there's a big difference,

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Speaker 1: I think, Matt, from stimulus money that's directly deposited into

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Speaker 1: a checking your savings account versus getting a card in

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Speaker 1: the mail. Right, I think it shows that psychology and

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Speaker 1: behavior has to be taken into account. And I sure

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Speaker 1: hope our listeners who are receiving money uh their stimulus

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Speaker 1: funds on a prepaid card that comes in the mail,

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Speaker 1: that they are going directly to the the E I

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Speaker 1: P Card dot com in order to train us for

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Speaker 1: those funds into their bank account, and that they're not

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Speaker 1: using it as an excuse to spend just because that's

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Speaker 1: the easiest thing to do with a piece of plastic

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Speaker 1: in your hand. Yeah. I mean, well that's what it

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Speaker 1: feels like, right Like when it's sitting there on a card,

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Speaker 1: Like in my mind, it almost feels like a gift card.

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Speaker 1: It's like use it or lose it kind of kind

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Speaker 1: of things like who knows how long this will last.

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Speaker 1: Maybe you know, after two years, the restaurant's gonna be

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Speaker 1: like nope, sorry, like that that program ended. And so

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Speaker 1: the way I think about it, I totally agree. Man,

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Speaker 1: Like any money that's deposited directly into my my checking account,

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Speaker 1: which is that's how our stimulus payments came in, I

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Speaker 1: feel the need to basically kind of just absorb that

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Speaker 1: into like our overall you know, giant financial machine, like

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Speaker 1: our personal finance machine, and so it kind of gets

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Speaker 1: counted as non taxable income and then we kind of

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Speaker 1: put it where needs to go. Uh So, for some

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Speaker 1: folks that that might mean like doing something personally responsible

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Speaker 1: and smart with it, which is like you know, paying

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Speaker 1: down debt or or saving towards a bigger goal. But

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Speaker 1: it I guess it just kind of it's like a

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Speaker 1: battle between what the government wants us to do with

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Speaker 1: it versus what's maybe is the best thing for us

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Speaker 1: to do with it personally right, And so I totally agree, though.

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Speaker 1: I think that is interesting that the government, you know,

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Speaker 1: they are doubling the number of people who are receiving

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Speaker 1: those cards, because maybe that is sort of an effort

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Speaker 1: to see that like, oh, if we we found that

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Speaker 1: the people who received this money on their cards, they

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Speaker 1: spent it way more than the individuals who received it,

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Speaker 1: you know, straight into their banking accounts. Yeah, I guarantee

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Speaker 1: you very few people transferred the money from their card

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Speaker 1: into their bank account. A lot of people just started

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Speaker 1: going around spending it. Yeah, most online or in person.

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Speaker 1: Totally yeah. Uh dude. On On a similar note, we

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Speaker 1: came across the story of how not the government here

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Speaker 1: in the US, but the government in New Zealand they

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Speaker 1: were able to vastly improve recycling rates by awarding these

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Speaker 1: shiny gold stars on folks recycling then so basically if

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Speaker 1: they do a good job like sorting their recycling like

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Speaker 1: they're supposed to the that we just slap a gold

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Speaker 1: star on their just like you're in kindergarten. I was

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Speaker 1: gonna say, it brings me back to kindergarten in first grade.

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Speaker 1: It's a it caused christ Church, that's the city where

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Speaker 1: they're doing. It costs them virtually nothing, but it demonstrated

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Speaker 1: how social approval can be a more powerful motivator than money.

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Speaker 1: And so whether you know you're a government trying to curb,

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Speaker 1: you know, or encourage certain behaviors, like how you go

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Speaker 1: about your business is really important. When it comes to

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Speaker 1: our money, knowing what to do with that money is

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Speaker 1: like only half the battle. It's how we behave and

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Speaker 1: we actual actions that we take. That's what truly determines

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Speaker 1: how well we handle our money, right, And so I

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Speaker 1: think it's just interesting from a psychological standpoint, from a

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Speaker 1: behavioral standpoint, how these changes can affect us as individuals. Yeah,

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Speaker 1: when it comes to money, incentives matter. When it comes

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Speaker 1: to our behavior, incentives matter, and sometimes a super tiny

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Speaker 1: reward can have a massive influence on the way we behave.

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Speaker 1: Think about that, like a gold star in your trash

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Speaker 1: can like that that Really, theoretically it sounds like it

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Speaker 1: shouldn't have that much of of an effect, but obviously

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Speaker 1: it has had an effect in New Zealand and it's

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Speaker 1: one of those things too. I think we can take

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Speaker 1: that and apply it in our own personal financial lives.

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Speaker 1: We don't have to give ourselves major rewards, but maybe

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Speaker 1: a nice beer after doing the right thing with your

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Speaker 1: money can lead to prolonged success. Like it. It really

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Speaker 1: is sometimes those small rewards that do have a big effect. Yeah,

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Speaker 1: I'm as definitely man. Okay, let's go ahead and talk

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Speaker 1: investing for minutes. On a Wednesday, we released an episode

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Speaker 1: that was all about fending off financial fomo fear of

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Speaker 1: missing out and with a stratospheric rise of the stock

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Speaker 1: of game Stop. Wait wait, something camp up with game Stop.

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Speaker 1: I don't I'm not familiar. Yeah yeah, if you haven't

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Speaker 1: been at all to the news, maybe you'd be saying that.

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Speaker 1: But uh, I just wanted to point out, like I really,

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Speaker 1: we couldn't have timed that episode any better. True, right,

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Speaker 1: Hopefully none of our listeners jumped on that bandwagon. If

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Speaker 1: you haven't heard, there were a bunch of investors on

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Speaker 1: reddit um and they are throwing their collective weight behind

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Speaker 1: game Stop, which is the you know, the video game

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Speaker 1: brick and mortar store, And at the time of this recording,

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Speaker 1: it was up seventeen hundred percent since the beginning of

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Speaker 1: this month, which is insane. Who knows, you know where

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Speaker 1: the roller coaster is by the time this episode airs

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Speaker 1: or by the time you even listened to it, right

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Speaker 1: yeah on on Thursday was up and down and up

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Speaker 1: and down, and then trading stopped to right uh t

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Speaker 1: d and Mary Trade in Robin Hood stopped letting folks

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Speaker 1: on their platforms to trade game Stop Stop, and that

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Speaker 1: certainly left some investors upset, understandably, so it's important to

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Speaker 1: point out that this is another example of the latest

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Speaker 1: hot stock that some investors are hoping to make a

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Speaker 1: quick buck on by trying to ride the wave of

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Speaker 1: a massively overvalued stock that is for sure going to

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Speaker 1: eventually come crashing back down. These are the kind of

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Speaker 1: things Matt I think that happened when Fomo takes hold,

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Speaker 1: and it's important for us trying to keep level heads,

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Speaker 1: trying to invest for the long term, to not buy

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Speaker 1: into this stuff, to not let these headlines and all

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Speaker 1: the news that's happening right now about certain people maybe

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Speaker 1: making a lot of money overnight make us think that

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Speaker 1: that's the direction we should be headed in. Yeah, definitely.

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Speaker 1: And so if you've kind of been tracking the story

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Speaker 1: a little bit, you probably are thinking, oh, yeah, there's

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Speaker 1: a lot of people who who may be made a

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Speaker 1: lot of money, but I guarantee you there are way

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Speaker 1: more people who lost a lot of money as well.

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Speaker 1: And so if you haven't listened back to Wednesday's episode,

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Speaker 1: that was episode three eleven, but it was fending off

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Speaker 1: financial FOMO and and within that episode we talked through

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Speaker 1: some different practices to implement in your own life to

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Speaker 1: to help you to avoid some of that POMO. So

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Speaker 1: be sure to check that one out, no doubt. All Right,

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Speaker 1: we've got more to get to on this Friday flight,

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Speaker 1: including TV spying on you, and of course the ludicrous

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Speaker 1: headline of the week that's next after this break. All right, man,

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Speaker 1: we are back, and let's kick it off with our

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Speaker 1: ludicrous headline of the week. And somehow in week two

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Speaker 1: of this segment, the rapper slash actor Chris Bridges a

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Speaker 1: k A. Ludicrous He made the headlines so it's worth

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Speaker 1: sharing that news story here on our personal finance by

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Speaker 1: move Matt get out the way. Evidently his car was

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Speaker 1: stolen here in Atlanta while he was taking out taking

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Speaker 1: some money out of an A t M. They tracked

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Speaker 1: down the criminals and they did get all Luda's his

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Speaker 1: iPad and he had a designer bag in there as well.

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Speaker 1: They got it, got it back to him for a

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Speaker 1: happy ending. He must not listen to the show though,

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Speaker 1: because you know, we're not all about having all that bling,

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Speaker 1: all that flash. Uh. And also, don't leave your car

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Speaker 1: running if you're not in it. The way that his

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Speaker 1: car was stolen was that he left his car running.

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Speaker 1: He I mean, I guess parked, you know, parallel parked

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Speaker 1: on the side of the road over there, like they said.

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Speaker 1: It was at eighth and Peachtree here in Atlanta, and

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Speaker 1: he went over was at the A t M and

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Speaker 1: someone jumped in his car and wrote off. So don't

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Speaker 1: do that, all right. So I want to say one

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Speaker 1: earlier this month, I saw an article in the New

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Speaker 1: York Times taking out a lot more people have been

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Speaker 1: doing that lately, leaving their key fobs in like the

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Speaker 1: cup holder of their car forgetting that the cars running,

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Speaker 1: or forgetting that they just left their key and they're

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Speaker 1: all together, or claiming that they forget. I think more

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Speaker 1: and more folks because just when like they I mean,

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Speaker 1: they're they're leaving them there in the cup holder, there

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Speaker 1: in the middle, or in the console. I mean, in

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Speaker 1: Luda's case, his car was literally running. I bet the

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Speaker 1: door was open too. I gotta say, though, I feel

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Speaker 1: for Lud on this because I did the same thing

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Speaker 1: one time and I got my car stolen. I know

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Speaker 1: you remember this, Matt, this was a number of years.

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Speaker 1: Are to share this, I'm willing. I'm willing to, okay,

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Speaker 1: just to make ludail different circumstances though, because he's a

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Speaker 1: friend of the show, you know. And of course, yeah,

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Speaker 1: So when my kids were young and I had my

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Speaker 1: Nissan Leaf still, we had just visiting my folks, and

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Speaker 1: you know, we were drove home. It was after bedtime,

429
00:19:03,320 --> 00:19:05,920
Speaker 1: the girls were asleep, and my dad had borrowed the car.

430
00:19:06,000 --> 00:19:08,119
Speaker 1: So we had both of our key fops with us.

431
00:19:08,280 --> 00:19:09,880
Speaker 1: I had one in my pocket and he had put

432
00:19:09,920 --> 00:19:13,240
Speaker 1: the other in the center console. And so I got

433
00:19:13,240 --> 00:19:15,760
Speaker 1: the girls out of their car seats and they were asleep,

434
00:19:15,840 --> 00:19:18,360
Speaker 1: put them to bed, and I totally forgot that one

435
00:19:18,359 --> 00:19:20,760
Speaker 1: of the key fops was left in the console, and

436
00:19:20,800 --> 00:19:23,879
Speaker 1: so somebody came by flipping door handles that night. Of

437
00:19:23,920 --> 00:19:26,600
Speaker 1: course my car unlocked with a key pop inside of

438
00:19:26,640 --> 00:19:28,680
Speaker 1: it is since that the key fob was close by. Yeah,

439
00:19:28,720 --> 00:19:31,720
Speaker 1: and so boom, my car is gone the next morning

440
00:19:31,760 --> 00:19:33,399
Speaker 1: and I'm freaked out. And it really was just like

441
00:19:33,440 --> 00:19:35,879
Speaker 1: really interesting saga. Actually I work in a new station,

442
00:19:36,080 --> 00:19:37,679
Speaker 1: and so they did a TV story about it. It It

443
00:19:37,800 --> 00:19:39,480
Speaker 1: was kind of crazy. We should put a link to

444
00:19:39,520 --> 00:19:40,920
Speaker 1: the video. I'm gonna see if I can find it,

445
00:19:40,920 --> 00:19:42,919
Speaker 1: because it was did like a sting operation. Did like

446
00:19:42,920 --> 00:19:45,240
Speaker 1: a sting operation because the dude kept calling you and

447
00:19:45,320 --> 00:19:48,040
Speaker 1: essentially was like, hey, send me the money and I'll

448
00:19:48,040 --> 00:19:49,399
Speaker 1: tell you where the car is. I'll give your car

449
00:19:49,440 --> 00:19:51,199
Speaker 1: back if you pay me money, and so it's were like,

450
00:19:51,359 --> 00:19:53,919
Speaker 1: keep stringing them on, We're gonna we're gonna set up

451
00:19:53,920 --> 00:19:56,040
Speaker 1: a sting. Yeah, And I actually met him face to

452
00:19:56,080 --> 00:19:58,080
Speaker 1: face and it was it was crazy, man. It was

453
00:19:58,040 --> 00:20:00,000
Speaker 1: the craziest think of that seeing in Dumb and Dumber

454
00:20:00,119 --> 00:20:02,960
Speaker 1: because it's like you didn't have like a vest on

455
00:20:03,080 --> 00:20:04,440
Speaker 1: or anything like that. It makes me think of that

456
00:20:04,520 --> 00:20:06,760
Speaker 1: scene at the end where Harry was like, well, what

457
00:20:06,800 --> 00:20:10,280
Speaker 1: if they shot you in the face, and feel like

458
00:20:10,280 --> 00:20:11,959
Speaker 1: that that's a risk we were willing to take. Right,

459
00:20:13,000 --> 00:20:15,639
Speaker 1: That's exactly how it felt. So I got I remember

460
00:20:15,720 --> 00:20:17,680
Speaker 1: thinking that after the fact, and you're like, I didn't

461
00:20:17,680 --> 00:20:20,159
Speaker 1: really think about that. I was running on adrenaline, man,

462
00:20:20,240 --> 00:20:22,040
Speaker 1: just trying to get the car back. But yeah, well

463
00:20:22,359 --> 00:20:24,200
Speaker 1: was the link to that in the in the show

464
00:20:24,240 --> 00:20:26,480
Speaker 1: notes that was good good times. Don't be like me

465
00:20:26,600 --> 00:20:28,760
Speaker 1: or lud take your key fob with you when you

466
00:20:28,800 --> 00:20:32,000
Speaker 1: go inside to a store. All right, let's move on, though, Matt.

467
00:20:32,160 --> 00:20:33,879
Speaker 1: Let's talk about televisions. There's a couple of things we

468
00:20:33,920 --> 00:20:36,879
Speaker 1: want to mention. The TVs right now is actually often

469
00:20:36,920 --> 00:20:39,199
Speaker 1: the best time of year to find a deal on

470
00:20:39,240 --> 00:20:41,200
Speaker 1: a TV if you're looking to buy a new one.

471
00:20:41,480 --> 00:20:43,640
Speaker 1: And if that's the case, I recommend sites like slick

472
00:20:43,680 --> 00:20:45,960
Speaker 1: Deals and deal news dot com. Those are the places

473
00:20:46,000 --> 00:20:47,840
Speaker 1: that are going to document where where the best deals

474
00:20:47,840 --> 00:20:51,560
Speaker 1: are at this very minute on television's usually since we're

475
00:20:51,560 --> 00:20:53,760
Speaker 1: getting so close to the super Bowl. That is why

476
00:20:53,840 --> 00:20:56,240
Speaker 1: the deals are so good. The time of year matters

477
00:20:56,240 --> 00:20:59,119
Speaker 1: when you're buying certain things, in particular electronics, items and

478
00:20:59,160 --> 00:21:00,800
Speaker 1: TVs in January or it's like a match made and

479
00:21:00,840 --> 00:21:02,440
Speaker 1: have been mass time to do it. Yeah, you gotta

480
00:21:02,440 --> 00:21:05,879
Speaker 1: pay attention to those holidays or cultural events like the

481
00:21:05,920 --> 00:21:08,399
Speaker 1: super Bowl is the super Bowl cultural event and the

482
00:21:08,840 --> 00:21:11,120
Speaker 1: President's Day mattress sale or something like that. Yeah, it's

483
00:21:11,119 --> 00:21:13,840
Speaker 1: it's it's weird host certain things tie together, certain sales

484
00:21:13,840 --> 00:21:16,119
Speaker 1: tie together from holidays. And yes, the super Bowl is

485
00:21:16,160 --> 00:21:18,119
Speaker 1: I would say a massive cultural event. And I mean

486
00:21:18,119 --> 00:21:20,080
Speaker 1: it makes sense too, right obviously everyone that you sit

487
00:21:20,119 --> 00:21:21,919
Speaker 1: down like, no, very few folks are going to it,

488
00:21:22,240 --> 00:21:24,840
Speaker 1: especially this year, but everyone so sound they want to

489
00:21:24,840 --> 00:21:27,560
Speaker 1: watch the Big Game on TV and so or the

490
00:21:27,600 --> 00:21:30,639
Speaker 1: ads specifically the ads. Yeah, but that brings up a

491
00:21:30,640 --> 00:21:32,359
Speaker 1: good point to which is a lot of people are

492
00:21:32,359 --> 00:21:35,159
Speaker 1: probably wondering how it is that they can watch the

493
00:21:35,200 --> 00:21:37,199
Speaker 1: super Bowl this year for free, as a lot of

494
00:21:37,200 --> 00:21:40,359
Speaker 1: folks are cutting cable. But here's the thing. CBS is

495
00:21:40,400 --> 00:21:42,399
Speaker 1: broadcasting the super Bowl, and so as long as you

496
00:21:42,480 --> 00:21:45,280
Speaker 1: have an over the air digital antenna, you can watch

497
00:21:45,280 --> 00:21:46,919
Speaker 1: the super Bowl for free, and so you don't have

498
00:21:46,960 --> 00:21:49,439
Speaker 1: to worry about, you know, paying some special I don't know,

499
00:21:49,480 --> 00:21:51,119
Speaker 1: like pay per view things like this is on a

500
00:21:51,160 --> 00:21:53,480
Speaker 1: standard network, you won't need to pay to to watch

501
00:21:53,560 --> 00:21:56,399
Speaker 1: the super Bowl, no streaming and required. So with like

502
00:21:56,400 --> 00:21:58,199
Speaker 1: twenty or thirty bucks, like, you can get yourself one

503
00:21:58,240 --> 00:21:59,919
Speaker 1: of those antenna's, get it set up and you'll be

504
00:22:00,000 --> 00:22:01,840
Speaker 1: it to go. If you don't have one of those,

505
00:22:01,920 --> 00:22:03,120
Speaker 1: or or don't want to pay for one of those,

506
00:22:03,160 --> 00:22:05,840
Speaker 1: you can look into a site like low cast the

507
00:22:05,880 --> 00:22:08,560
Speaker 1: actually stream over the air channels that you have there

508
00:22:08,600 --> 00:22:12,440
Speaker 1: within your network or your area over the internets. Uh,

509
00:22:12,440 --> 00:22:14,919
Speaker 1: it's free, although you've used it before, and is it

510
00:22:14,960 --> 00:22:16,919
Speaker 1: like every fifteen minutes that they like kick you off

511
00:22:16,960 --> 00:22:19,440
Speaker 1: and they're basically like, hey, give us five bucks. Exactly.

512
00:22:19,520 --> 00:22:24,000
Speaker 1: It feels like extortion with low cast donations, but but

513
00:22:24,040 --> 00:22:26,680
Speaker 1: it kind of feels like like a mandatory donation. Yes,

514
00:22:26,920 --> 00:22:30,359
Speaker 1: it's like donation or else strongly suggested. But yeah, if

515
00:22:30,359 --> 00:22:31,960
Speaker 1: you don't really have much of a need for digital

516
00:22:31,960 --> 00:22:34,720
Speaker 1: antenna for any other purpose, doing like a one month

517
00:22:35,160 --> 00:22:37,359
Speaker 1: donation to low cast might not be the worst idea

518
00:22:37,520 --> 00:22:39,119
Speaker 1: you can. You can give them five bucks and then

519
00:22:39,119 --> 00:22:40,919
Speaker 1: watch the super Bowl, but just make sure you're not

520
00:22:40,960 --> 00:22:43,640
Speaker 1: doing a recurring donation. It's true. True. There's one other

521
00:22:43,640 --> 00:22:45,600
Speaker 1: solid option as well if you want to avoid the

522
00:22:45,880 --> 00:22:47,680
Speaker 1: digital antenna. If you want to avoid low cast, you

523
00:22:47,720 --> 00:22:50,840
Speaker 1: can just download some apps and so CBS Sports, the

524
00:22:50,960 --> 00:22:53,320
Speaker 1: NFL app, and the Yeah Who Sports app are all

525
00:22:53,400 --> 00:22:54,840
Speaker 1: places that you can go where you can watch the

526
00:22:54,840 --> 00:22:57,760
Speaker 1: Super Bowl for free. All right, let's talk about privacy

527
00:22:57,800 --> 00:22:59,920
Speaker 1: when it comes to TV's. To Matt, there's a chance

528
00:23:00,160 --> 00:23:02,760
Speaker 1: that your TV might be spying on what you're doing.

529
00:23:03,119 --> 00:23:06,280
Speaker 1: That's a chance, Yeah, very good chance. It's a little

530
00:23:06,280 --> 00:23:08,760
Speaker 1: creepy to think that that's the case. I love my

531
00:23:08,880 --> 00:23:12,040
Speaker 1: Roku TV, but it sucks to know that they're probably

532
00:23:12,080 --> 00:23:15,040
Speaker 1: selling ads based on what I'm watching. They're not just

533
00:23:15,160 --> 00:23:16,879
Speaker 1: making money from the sale of the device. And this

534
00:23:16,960 --> 00:23:19,040
Speaker 1: is kind of what some of the stories that have

535
00:23:19,160 --> 00:23:21,440
Speaker 1: come out in recent weeks and even in the past

536
00:23:21,440 --> 00:23:24,800
Speaker 1: couple of years about how these television manufacturers are making

537
00:23:24,800 --> 00:23:26,679
Speaker 1: their money. They're making less and less of it from

538
00:23:26,680 --> 00:23:30,000
Speaker 1: the sale of the hardware and more from selling data

539
00:23:30,080 --> 00:23:33,159
Speaker 1: about what and how you're watching. And an article specifically

540
00:23:33,160 --> 00:23:34,720
Speaker 1: in The New York Times last week talked about how

541
00:23:34,800 --> 00:23:37,240
Speaker 1: difficult it is to be a company that's selling gadgets

542
00:23:37,280 --> 00:23:40,719
Speaker 1: like phones and televisions these days. And then still it's

543
00:23:40,760 --> 00:23:42,760
Speaker 1: not just about the hardware anymore, like that they're having

544
00:23:42,800 --> 00:23:44,600
Speaker 1: to find these other avenues to make money, right, to

545
00:23:44,640 --> 00:23:47,000
Speaker 1: make income exactly, especially with this race to the bottom

546
00:23:47,080 --> 00:23:49,960
Speaker 1: for the prices of hardware. And of course, you know,

547
00:23:50,040 --> 00:23:53,080
Speaker 1: consumers like low prices, and companies are doing their best

548
00:23:53,200 --> 00:23:55,920
Speaker 1: to oblige, but they're making up for it by selling

549
00:23:55,920 --> 00:23:59,240
Speaker 1: our data, specifically are viewing habits and Matt, I think

550
00:23:59,560 --> 00:24:02,080
Speaker 1: that is a business model that I'm willing to participate

551
00:24:02,119 --> 00:24:04,520
Speaker 1: in if that means I'm paying less for the devices.

552
00:24:04,760 --> 00:24:07,440
Speaker 1: But I don't like the idea of sacrificing my privacy.

553
00:24:07,480 --> 00:24:09,159
Speaker 1: And also, I think the thing I like the least

554
00:24:09,520 --> 00:24:11,320
Speaker 1: is the fact that it's not really that straightforward of

555
00:24:11,359 --> 00:24:13,159
Speaker 1: a business model. I don't know the information they have

556
00:24:13,560 --> 00:24:15,439
Speaker 1: and what they're selling, and they didn't really tell me

557
00:24:15,440 --> 00:24:17,719
Speaker 1: about it when I bought the device either. Yeah, I mean,

558
00:24:17,720 --> 00:24:20,240
Speaker 1: I understand why it's happening, you know, Like, but this

559
00:24:20,440 --> 00:24:22,399
Speaker 1: is a trade off that we should be aware of.

560
00:24:22,440 --> 00:24:24,159
Speaker 1: You know, I agree with what you're saying here, you know,

561
00:24:24,160 --> 00:24:25,840
Speaker 1: like a bet most of our listeners they don't know

562
00:24:25,960 --> 00:24:28,760
Speaker 1: that this is even happening. Uh So, even if like

563
00:24:28,800 --> 00:24:31,320
Speaker 1: these companies could start just doing a better job at

564
00:24:31,359 --> 00:24:34,160
Speaker 1: letting us know, you know, what data they are mining

565
00:24:34,200 --> 00:24:36,159
Speaker 1: and what they're doing with that data. I think that

566
00:24:36,160 --> 00:24:38,440
Speaker 1: would go a long way as more companies are using

567
00:24:38,440 --> 00:24:40,840
Speaker 1: this data to defeat us targeted ads. We'll just have

568
00:24:40,920 --> 00:24:44,080
Speaker 1: to see how much we're actually swayed when the exact

569
00:24:44,119 --> 00:24:46,399
Speaker 1: item that we were just thinking about buying when it

570
00:24:46,440 --> 00:24:49,040
Speaker 1: pops up on the screen. Um, because here's the thing.

571
00:24:49,040 --> 00:24:51,880
Speaker 1: If you if you take action and make that purchase them, well,

572
00:24:51,920 --> 00:24:53,960
Speaker 1: you know, maybe the trade off wasn't actually worth it

573
00:24:54,000 --> 00:24:55,720
Speaker 1: after all, because I can say that like, oh, I'm

574
00:24:55,720 --> 00:24:58,439
Speaker 1: not swayed by whatever ads pop up, but like, you know,

575
00:24:58,600 --> 00:25:00,280
Speaker 1: I bet a lot of people are saying that. You know,

576
00:25:00,480 --> 00:25:04,239
Speaker 1: everybody thinks that they're not influenced by advertising, but we

577
00:25:04,320 --> 00:25:06,920
Speaker 1: all are to some degree, and maybe not as much

578
00:25:07,000 --> 00:25:09,879
Speaker 1: as the advertisers think we are. But advertising exists for

579
00:25:09,880 --> 00:25:12,840
Speaker 1: a reason, and it's a multibillion dollar industry for a reason.

580
00:25:13,040 --> 00:25:16,800
Speaker 1: Most of us are influenced in in one way or another. Yeah, Ultimately,

581
00:25:16,800 --> 00:25:18,520
Speaker 1: I mean, in the end, I feel that I am

582
00:25:18,520 --> 00:25:21,959
Speaker 1: personally just totally okay with them minding my data. I mean,

583
00:25:21,960 --> 00:25:24,359
Speaker 1: the fact is, like if you use Facebook or Google,

584
00:25:24,560 --> 00:25:27,600
Speaker 1: you're giving up way more information, you know, to those companies.

585
00:25:27,680 --> 00:25:30,320
Speaker 1: Then your TV is when you watch real TV for

586
00:25:30,400 --> 00:25:32,480
Speaker 1: you know, occasionally, you know, throughout the week. And so

587
00:25:32,560 --> 00:25:35,200
Speaker 1: I understand folks were wanting to take a more principled

588
00:25:35,240 --> 00:25:37,040
Speaker 1: stance where they're like, no, like I don't want anybody

589
00:25:37,040 --> 00:25:38,280
Speaker 1: to have my data. But I guess the question I'm

590
00:25:38,280 --> 00:25:40,960
Speaker 1: asking myself right now is what's the worst that could happen?

591
00:25:41,000 --> 00:25:42,439
Speaker 1: You know, I mean, they know, like a few of

592
00:25:42,440 --> 00:25:44,600
Speaker 1: the shows that we watched, like that doesn't overly concern me.

593
00:25:44,720 --> 00:25:47,040
Speaker 1: You're not yet, You're not never said it's gonna leak

594
00:25:47,040 --> 00:25:49,119
Speaker 1: that you've been watching Golden Girls on repeat like for

595
00:25:49,200 --> 00:25:50,600
Speaker 1: years now. They'll just see that. Kate and I've been

596
00:25:50,600 --> 00:25:54,560
Speaker 1: watching one division, which is the new Marvel Marvel TV series,

597
00:25:54,600 --> 00:25:56,879
Speaker 1: which has been really weird. By the way, I like

598
00:25:56,920 --> 00:25:58,600
Speaker 1: weird stuff, so I'm gonna sing it out. Yeah, it's

599
00:25:58,600 --> 00:26:02,760
Speaker 1: like Twilight Zone sever but with Marvel characters. All right, well,

600
00:26:02,760 --> 00:26:04,400
Speaker 1: I'll put that on my list. But we've enjoyed it. Yeah,

601
00:26:04,560 --> 00:26:06,639
Speaker 1: all right, let's move on from TVs. Let's talk about

602
00:26:07,040 --> 00:26:09,960
Speaker 1: one of the worst companies in the world, Ticketmaster. And

603
00:26:10,080 --> 00:26:14,520
Speaker 1: it makes me think of this blog that consumerard ticket

604
00:26:14,600 --> 00:26:18,359
Speaker 1: Master Uh. There used to be a blog of consumer

605
00:26:18,400 --> 00:26:21,240
Speaker 1: reports called Consumerist, one of my favorite websites. Ever, it

606
00:26:21,320 --> 00:26:23,639
Speaker 1: was like a younger version of Consumer Reports that was

607
00:26:23,760 --> 00:26:26,359
Speaker 1: like maybe a little more snarky. And they used to

608
00:26:26,400 --> 00:26:28,840
Speaker 1: have a competition every year the worst company in the world,

609
00:26:28,960 --> 00:26:31,480
Speaker 1: and Ticketmaster often made it to the top of the list,

610
00:26:31,480 --> 00:26:33,600
Speaker 1: not not I don't think it ever won number one status.

611
00:26:33,760 --> 00:26:36,520
Speaker 1: That was reserved for the likes of like comcasting right oftentimes.

612
00:26:37,040 --> 00:26:39,080
Speaker 1: But but it was just kind of a fun competition.

613
00:26:39,480 --> 00:26:41,399
Speaker 1: And there was a story and Wired that reported that

614
00:26:41,560 --> 00:26:44,400
Speaker 1: Ticketmaster has agreed to pay ten million dollars in criminal

615
00:26:44,440 --> 00:26:47,800
Speaker 1: finds after they admitted to using stolen passwords and other

616
00:26:47,920 --> 00:26:52,639
Speaker 1: confidential information to gain access to their competitors private information.

617
00:26:53,040 --> 00:26:56,040
Speaker 1: So someday, once we're back going to events and live music,

618
00:26:56,200 --> 00:26:58,119
Speaker 1: I just want to put this out there for you

619
00:26:58,200 --> 00:26:59,879
Speaker 1: and I and for all of our listeners to remember,

620
00:27:00,240 --> 00:27:03,480
Speaker 1: just remember how bad Ticketmaster is, and don't get tickets

621
00:27:03,480 --> 00:27:05,760
Speaker 1: from them, if at all possible, go instead directly to

622
00:27:05,760 --> 00:27:08,200
Speaker 1: the box office. I feel like Ticketmaster is a company

623
00:27:08,240 --> 00:27:12,320
Speaker 1: that's taken advantage of consumers for years now with exorbitant fees,

624
00:27:12,480 --> 00:27:14,200
Speaker 1: and now look at what they're doing to their competition.

625
00:27:14,240 --> 00:27:16,080
Speaker 1: They're they're not just trying to beat them, but they're

626
00:27:16,080 --> 00:27:19,000
Speaker 1: trying to cheat them. Yeah, they are the worst. And

627
00:27:19,000 --> 00:27:20,600
Speaker 1: plus it's just fun to go to the box office.

628
00:27:20,600 --> 00:27:22,760
Speaker 1: I feel like like I like going there in person,

629
00:27:23,080 --> 00:27:25,000
Speaker 1: picking up a ticket makes me kind of feel like

630
00:27:25,040 --> 00:27:27,239
Speaker 1: a live in a small town, even though we live

631
00:27:27,240 --> 00:27:29,560
Speaker 1: in Atlanta, and you you usually do are able to

632
00:27:29,680 --> 00:27:31,879
Speaker 1: avoid some of the some of those fees when you

633
00:27:31,960 --> 00:27:34,160
Speaker 1: go directly to the box office. Not always, sometimes they

634
00:27:34,160 --> 00:27:36,520
Speaker 1: still charge them, but most of the time you are

635
00:27:36,720 --> 00:27:40,320
Speaker 1: and it's totally worth the drive or whatever it takes.

636
00:27:40,520 --> 00:27:42,640
Speaker 1: I'm willing to take a principal stand when it comes

637
00:27:42,640 --> 00:27:46,000
Speaker 1: to Ticketmaster for sure. All right, let's let's talk about Airbnb.

638
00:27:46,600 --> 00:27:49,680
Speaker 1: Be careful if you are in the short term rental game.

639
00:27:50,160 --> 00:27:53,399
Speaker 1: Our city here in Atlanta is considering banning short term

640
00:27:53,480 --> 00:27:56,520
Speaker 1: rentals altogether, while in reality it's more likely that just

641
00:27:56,560 --> 00:27:59,720
Speaker 1: a meaningful tax on short term rental income will be instituted.

642
00:27:59,800 --> 00:28:03,479
Speaker 1: It's important for folks nationwide who either currently rent out

643
00:28:03,520 --> 00:28:06,520
Speaker 1: a spot on Airbnb or v r b OH places

644
00:28:06,600 --> 00:28:10,400
Speaker 1: like that. Right, verbo I should say they did the rebrand,

645
00:28:10,920 --> 00:28:13,200
Speaker 1: but it's important to have a backup plan if short

646
00:28:13,280 --> 00:28:16,000
Speaker 1: term rentals are disallowed where you live, or if a

647
00:28:16,080 --> 00:28:19,040
Speaker 1: tax increase makes it far less favorable. I know, here

648
00:28:19,080 --> 00:28:20,520
Speaker 1: for us, it took less than a year for us

649
00:28:20,560 --> 00:28:22,119
Speaker 1: to realize that, Like, you know, I don't think that

650
00:28:22,160 --> 00:28:24,239
Speaker 1: the airbnb thing is gonna work out for us, and

651
00:28:24,280 --> 00:28:27,439
Speaker 1: we were certainly looking to kind of broaden our options

652
00:28:27,520 --> 00:28:29,119
Speaker 1: as to what we're gonna do with the space that

653
00:28:29,160 --> 00:28:31,960
Speaker 1: we're now recording in. But this is important because we

654
00:28:32,000 --> 00:28:35,080
Speaker 1: don't encourage folks to have of your income based on

655
00:28:35,160 --> 00:28:37,440
Speaker 1: something like based on a single company or an app

656
00:28:37,840 --> 00:28:39,920
Speaker 1: that could change the rules depending on where you live.

657
00:28:39,960 --> 00:28:42,400
Speaker 1: I'm thinking about like Lift and Uber. If you drive

658
00:28:42,400 --> 00:28:44,320
Speaker 1: for one of those companies and you're out in California

659
00:28:44,520 --> 00:28:46,800
Speaker 1: last year, you're probably sweating bullets as they were considering

660
00:28:46,880 --> 00:28:50,280
Speaker 1: banning Lifts and Uber altogether from the state. That didn't happen,

661
00:28:50,400 --> 00:28:52,320
Speaker 1: but it very well could have. So it's important to

662
00:28:52,360 --> 00:28:54,720
Speaker 1: look beyond, you know, some of these specific I guess,

663
00:28:54,800 --> 00:28:57,880
Speaker 1: confined ecosystems that we find ourselves, you know, maybe doing

664
00:28:57,880 --> 00:28:59,600
Speaker 1: some of these side gigs within Yeah, I think a

665
00:28:59,640 --> 00:29:03,640
Speaker 1: lot of people who are renting their home through Airbnb,

666
00:29:03,840 --> 00:29:06,239
Speaker 1: they're excited to make more income. We've talked about that

667
00:29:06,280 --> 00:29:08,640
Speaker 1: with the Ona McEntire back in episode to fifty three,

668
00:29:08,640 --> 00:29:12,120
Speaker 1: how to successfully rent out of property on Airbnb. But

669
00:29:12,240 --> 00:29:13,840
Speaker 1: I do think, Matt, Yeah, one of the things people

670
00:29:13,880 --> 00:29:16,200
Speaker 1: need to take into consideration is what our state and

671
00:29:16,240 --> 00:29:18,520
Speaker 1: local government's doing, and also to how many eggs am

672
00:29:18,560 --> 00:29:21,640
Speaker 1: I putting in one basket. You definitely don't want most

673
00:29:21,680 --> 00:29:24,120
Speaker 1: of your income to be tied up with one company

674
00:29:24,200 --> 00:29:27,400
Speaker 1: and be beholden to its whims. So, yeah, that is

675
00:29:27,480 --> 00:29:29,239
Speaker 1: especially if you live in Atlanta. Now that's something you're

676
00:29:29,280 --> 00:29:31,920
Speaker 1: gonna want to have on your radar. But all right,

677
00:29:31,920 --> 00:29:33,400
Speaker 1: that's gonna do it for this episode. For folks that

678
00:29:33,480 --> 00:29:35,680
Speaker 1: want show notes and links to some of the stories

679
00:29:35,720 --> 00:29:38,040
Speaker 1: that we mentioned, well that'll be up on our website

680
00:29:38,080 --> 00:29:40,160
Speaker 1: at how to money dot com. Yeah, that's right, and

681
00:29:40,160 --> 00:29:42,240
Speaker 1: we'll be back here on Monday with a new episode

682
00:29:42,240 --> 00:29:43,960
Speaker 1: for you. We actually are going to have our first

683
00:29:44,080 --> 00:29:47,440
Speaker 1: repeat guest on a on an Interview Monday episode, our

684
00:29:47,800 --> 00:29:51,760
Speaker 1: friend Laura vander Camp. She's a productivity and time management expert,

685
00:29:51,800 --> 00:29:53,680
Speaker 1: and she has some great thoughts and advice if you

686
00:29:53,720 --> 00:29:57,000
Speaker 1: are looking to be more productive, especially when you are

687
00:29:57,080 --> 00:29:58,960
Speaker 1: working from homes would be sure to check out that

688
00:29:59,000 --> 00:30:01,440
Speaker 1: episode here on Monday, but Joel, that's gonna be it

689
00:30:01,480 --> 00:30:03,800
Speaker 1: for this one. But until next time, best Friends Out,

690
00:30:03,840 --> 00:30:04,880
Speaker 1: Best Friends Out,