1 00:00:00,040 --> 00:00:02,920 Speaker 1: Welcome to How the Money. I'm Joel and I am Matt, 2 00:00:03,080 --> 00:00:05,440 Speaker 1: and today we're discussing lending money to a friend and 3 00:00:05,480 --> 00:00:27,319 Speaker 1: the soaring costs of streaming. Yeah, Joel, this is a 4 00:00:27,400 --> 00:00:30,040 Speaker 1: Friday episode, and I'm excited to cover a number of 5 00:00:30,080 --> 00:00:32,760 Speaker 1: different articles, a number of different headlines that we've come 6 00:00:32,800 --> 00:00:36,000 Speaker 1: across this week. And real quickly I saw that traffic 7 00:00:36,320 --> 00:00:38,479 Speaker 1: it's been back, you know. One of the results of 8 00:00:38,560 --> 00:00:41,640 Speaker 1: COVID has been reduced traffic out on the roads. We've 9 00:00:41,680 --> 00:00:44,000 Speaker 1: been able to most immediately notice that because we've been 10 00:00:44,000 --> 00:00:46,360 Speaker 1: able to basically own the streets with our bikes, right, 11 00:00:46,400 --> 00:00:48,040 Speaker 1: we can I go running down the middle of the 12 00:00:48,040 --> 00:00:50,080 Speaker 1: street when I go for runs now because there's hardly 13 00:00:50,120 --> 00:00:52,800 Speaker 1: any cars. But a couple of weeks ago we started 14 00:00:52,840 --> 00:00:55,680 Speaker 1: to see an uptick in traffic. But we're really starting 15 00:00:55,680 --> 00:00:58,840 Speaker 1: to see that even change again. Yeah. I remember seeing 16 00:00:58,960 --> 00:01:00,800 Speaker 1: like maybe a month ago that traffic was back to 17 00:01:01,600 --> 00:01:04,600 Speaker 1: its levels, and I could confirm that based on driving 18 00:01:04,640 --> 00:01:07,880 Speaker 1: around town on occasion, that that it was back in 19 00:01:07,920 --> 00:01:11,160 Speaker 1: a major way. But then Apple Maps just reported another 20 00:01:11,200 --> 00:01:14,479 Speaker 1: slow down in traffic activity as COVID cases are turning 21 00:01:14,520 --> 00:01:17,560 Speaker 1: back upwards in many states and lockdown measures are being 22 00:01:17,600 --> 00:01:20,039 Speaker 1: reinstituted in some parts of the country. So it's it's 23 00:01:20,040 --> 00:01:22,399 Speaker 1: gonna be interesting to see kind of what happens with traffic. 24 00:01:22,400 --> 00:01:25,640 Speaker 1: Traffic almost seems like an indicator of of what's happening 25 00:01:25,840 --> 00:01:28,280 Speaker 1: healthwise around the country. And as things get better in 26 00:01:28,280 --> 00:01:31,160 Speaker 1: regards to COVID cases and having you know, fewer of 27 00:01:31,200 --> 00:01:34,560 Speaker 1: them than traffics seems to be trending upwards. And then 28 00:01:34,640 --> 00:01:36,760 Speaker 1: you know, as things are getting worse, traffic seems to 29 00:01:36,760 --> 00:01:39,280 Speaker 1: be turning downwards again. That was I gotta say one 30 00:01:39,319 --> 00:01:43,000 Speaker 1: of the major silver linings of COVID was just having 31 00:01:43,280 --> 00:01:46,440 Speaker 1: less traffic around in Atlanta, because that's obviously just one 32 00:01:46,440 --> 00:01:48,840 Speaker 1: of the worst parts about living in the city. Yeah. Sure, 33 00:01:48,920 --> 00:01:51,080 Speaker 1: And one of the interesting things too is to see 34 00:01:51,080 --> 00:01:53,920 Speaker 1: whether or not the amount of traffic returns at a 35 00:01:54,000 --> 00:01:56,480 Speaker 1: higher rate than which it was before. Right, So a 36 00:01:56,480 --> 00:01:59,280 Speaker 1: lot of other countries, like in Europe and Asia, they're 37 00:01:59,280 --> 00:02:01,880 Speaker 1: actually seeing the amount of traffic at higher levels because 38 00:02:01,920 --> 00:02:04,960 Speaker 1: a lot of folks are driving themselves in order to 39 00:02:05,080 --> 00:02:08,600 Speaker 1: socially distance a little bit, right, Uh, less car pooling exactly, 40 00:02:08,680 --> 00:02:11,400 Speaker 1: less car pooling and just less use of mass transit, 41 00:02:11,720 --> 00:02:13,839 Speaker 1: and so I think it'll be interesting to see whether 42 00:02:13,919 --> 00:02:16,519 Speaker 1: or not we see that here in the States, because 43 00:02:16,760 --> 00:02:19,080 Speaker 1: just on the average, Americans don't use mass transit all 44 00:02:19,120 --> 00:02:22,000 Speaker 1: that often, right, trains and subways like some cities have them, 45 00:02:22,040 --> 00:02:24,760 Speaker 1: but not many cities do, and so you know, when 46 00:02:24,800 --> 00:02:26,960 Speaker 1: it does come to getting back to work, folks are 47 00:02:27,000 --> 00:02:29,760 Speaker 1: just getting back in their cars. Unfortunately, right we're not 48 00:02:29,840 --> 00:02:32,400 Speaker 1: using mass transit, which we were. But I think that's 49 00:02:32,400 --> 00:02:34,960 Speaker 1: gonna be one difference maybe from the US versus some 50 00:02:35,000 --> 00:02:36,519 Speaker 1: of the other countries in the world. Yeah, no, I 51 00:02:36,560 --> 00:02:38,560 Speaker 1: think you're probably right. But alright, let's get on to 52 00:02:38,600 --> 00:02:41,000 Speaker 1: our Friday flight for today, Matt. A sampling of stories 53 00:02:41,040 --> 00:02:44,080 Speaker 1: that we found interesting this week that pertained to everybody's wallet, 54 00:02:44,080 --> 00:02:46,919 Speaker 1: their money. And first up, students who lost summer jobs 55 00:02:47,440 --> 00:02:49,720 Speaker 1: this year, who had something lined up but then we're told, 56 00:02:49,880 --> 00:02:52,960 Speaker 1: you know what, Hey, this job doesn't exist this summer anymore. Well, 57 00:02:53,000 --> 00:02:55,840 Speaker 1: they might be eligible for federal aid right now. And 58 00:02:55,880 --> 00:02:58,680 Speaker 1: I think most students assume that they aren't eligible to 59 00:02:58,720 --> 00:03:02,880 Speaker 1: file for unemployment with that increase six dollar federal pu A, 60 00:03:03,480 --> 00:03:05,720 Speaker 1: but because of the Cares Act, they are. The Department 61 00:03:05,760 --> 00:03:09,240 Speaker 1: of Labor specifically stated actually that people may qualify if 62 00:03:09,240 --> 00:03:11,800 Speaker 1: their workplace closed because of the pandemic, or if they 63 00:03:11,840 --> 00:03:14,880 Speaker 1: were scheduled to start work but can't as a direct 64 00:03:14,919 --> 00:03:17,799 Speaker 1: result of the virus. Right, and from everything I've read, 65 00:03:17,840 --> 00:03:20,600 Speaker 1: mount it seems like Minnesota is the only state out 66 00:03:20,639 --> 00:03:24,079 Speaker 1: there trying to borrow students from getting this additional money. 67 00:03:24,560 --> 00:03:26,720 Speaker 1: But it's the only state that seems to be doing so. 68 00:03:26,720 --> 00:03:29,280 Speaker 1: So if you're a student, you're supposed to be a lifeguard, 69 00:03:29,440 --> 00:03:30,840 Speaker 1: or you're supposed to do any of a number of 70 00:03:30,919 --> 00:03:34,040 Speaker 1: jobs this summer, and you found out, hey, the pool's closed, 71 00:03:34,400 --> 00:03:36,400 Speaker 1: the place of business that you're working at didn't need 72 00:03:36,440 --> 00:03:38,840 Speaker 1: you anymore, but you had a job offer in hand, Well, 73 00:03:38,960 --> 00:03:42,000 Speaker 1: you should be applying also with your state Unemployment's office 74 00:03:42,000 --> 00:03:43,400 Speaker 1: in order to get some of that money. Yeah, and 75 00:03:43,400 --> 00:03:44,960 Speaker 1: we'll have a link in our show outs where you 76 00:03:45,000 --> 00:03:48,400 Speaker 1: can easily find your specific states website. Um. And and 77 00:03:48,600 --> 00:03:50,880 Speaker 1: remember too that only a few states are just making 78 00:03:50,920 --> 00:03:52,880 Speaker 1: this widely known, So even when you go to your 79 00:03:52,920 --> 00:03:55,920 Speaker 1: state's website, they may not necessarily be advertising the fact 80 00:03:56,000 --> 00:04:00,000 Speaker 1: that this benefit is available to students and to teenagers. Uh, 81 00:04:00,120 --> 00:04:03,120 Speaker 1: but apply regardless, um, Joel. Something else we wanted to 82 00:04:03,160 --> 00:04:05,800 Speaker 1: mention is that it is now known that one point 83 00:04:05,840 --> 00:04:09,200 Speaker 1: four billion dollars in aid was sent to dead people 84 00:04:09,280 --> 00:04:11,800 Speaker 1: by the Treasury, which, you know, that sounds crazy, but 85 00:04:11,880 --> 00:04:14,680 Speaker 1: that's honestly just a really small amount of the two 86 00:04:15,040 --> 00:04:18,280 Speaker 1: and seventy billion overall that was sent to Americans as 87 00:04:18,320 --> 00:04:20,240 Speaker 1: part of the stimulus payments. You know, it sucks that 88 00:04:20,279 --> 00:04:23,360 Speaker 1: the r S didn't check death records that is maintained 89 00:04:23,440 --> 00:04:27,120 Speaker 1: by the Social Security Administration before sending out these checks, 90 00:04:27,120 --> 00:04:29,640 Speaker 1: because they maintain those records. But we also know that 91 00:04:29,720 --> 00:04:33,000 Speaker 1: time was of the essence, right, and so if you 92 00:04:33,279 --> 00:04:36,560 Speaker 1: or someone you know was sent an economic impact payment 93 00:04:36,960 --> 00:04:40,479 Speaker 1: intended for a deceased family member, will make sure to 94 00:04:40,600 --> 00:04:42,800 Speaker 1: include some instructions in our show notes as well for 95 00:04:42,920 --> 00:04:45,160 Speaker 1: how to return that money. Really just kind of a 96 00:04:45,160 --> 00:04:49,159 Speaker 1: classic case of miscommunication, right, yeah, just government trying to 97 00:04:49,200 --> 00:04:53,160 Speaker 1: do something that's super huge on a really truncated timetable. 98 00:04:53,200 --> 00:04:56,040 Speaker 1: It makes sense that errors were made. I don't necessarily 99 00:04:56,160 --> 00:04:58,480 Speaker 1: fault them for doing something like that, but I'm glad 100 00:04:58,480 --> 00:05:01,000 Speaker 1: they made it clear for for how people can send 101 00:05:01,200 --> 00:05:02,560 Speaker 1: that money back, because there have been a lot of 102 00:05:02,640 --> 00:05:06,280 Speaker 1: questions about that people that were uncomfortable essentially receiving money 103 00:05:06,279 --> 00:05:09,280 Speaker 1: that was intended for a spouse that was deceased or 104 00:05:09,279 --> 00:05:11,520 Speaker 1: a family member that had passed away, and they were like, 105 00:05:11,560 --> 00:05:13,040 Speaker 1: why did I get this extra money? Oh, it was 106 00:05:13,080 --> 00:05:15,240 Speaker 1: for them. That doesn't make sense, and so there's a 107 00:05:15,279 --> 00:05:17,480 Speaker 1: way to return it, which is great. Matt. Let's talk 108 00:05:17,480 --> 00:05:20,800 Speaker 1: about family members and lending money to family members, because 109 00:05:20,839 --> 00:05:23,599 Speaker 1: that's been kind of, uh an increased question, something that 110 00:05:23,640 --> 00:05:26,520 Speaker 1: people have asked a lot more about since the pandemic started, 111 00:05:26,680 --> 00:05:28,719 Speaker 1: and lending money to a friend or family member, it's 112 00:05:28,720 --> 00:05:31,680 Speaker 1: become common these days. And sixteen percent of those who 113 00:05:31,760 --> 00:05:35,440 Speaker 1: had been laid off, they reported receiving more financial support 114 00:05:35,480 --> 00:05:38,920 Speaker 1: from family or friends than they had before February one. 115 00:05:39,440 --> 00:05:42,040 Speaker 1: And I've personally anecdotally heard of more people asking their 116 00:05:42,040 --> 00:05:44,200 Speaker 1: friends and family for money because of COVID and its 117 00:05:44,200 --> 00:05:46,760 Speaker 1: effects on their personal finances. Some people even starting go 118 00:05:46,880 --> 00:05:49,760 Speaker 1: fund me's right to try to to raise support because 119 00:05:49,760 --> 00:05:52,560 Speaker 1: some of those government programs, in particular unemployment, they've just 120 00:05:52,560 --> 00:05:54,680 Speaker 1: taken a lot longer to get into people's accounts than 121 00:05:54,720 --> 00:05:56,840 Speaker 1: they were supposed to. And so yeah, we would suggest 122 00:05:56,839 --> 00:05:59,160 Speaker 1: if you need help, for one, turn to a potential 123 00:05:59,200 --> 00:06:03,240 Speaker 1: local religious organization or your church. Uh. And then also 124 00:06:03,320 --> 00:06:06,040 Speaker 1: to to family or members are close friends. That can 125 00:06:06,080 --> 00:06:08,240 Speaker 1: make sense if you're in a pinch. But Matt, it's 126 00:06:08,279 --> 00:06:11,279 Speaker 1: so true that the latter, asking for money from somebody 127 00:06:11,320 --> 00:06:13,200 Speaker 1: that you love or somebody close to you can actually 128 00:06:13,240 --> 00:06:15,919 Speaker 1: have a lot of other unintended consequences too, and then 129 00:06:16,000 --> 00:06:19,200 Speaker 1: some of those can really impair the relationship. Yeah. You know, 130 00:06:19,279 --> 00:06:21,640 Speaker 1: if you are asked for money, you know, from a 131 00:06:21,640 --> 00:06:23,880 Speaker 1: friend or a family member, I think the most important 132 00:06:23,880 --> 00:06:27,160 Speaker 1: thing to do is to decide that you're you're going 133 00:06:27,200 --> 00:06:29,000 Speaker 1: to give them a gift. Right, you're giving them a gift. 134 00:06:29,040 --> 00:06:31,839 Speaker 1: You're not necessarily giving them a loan. If you aren't 135 00:06:31,839 --> 00:06:34,479 Speaker 1: willing to gift them that money, then it you know, 136 00:06:34,560 --> 00:06:37,040 Speaker 1: it might be better to not offer any monetary assistance 137 00:06:37,160 --> 00:06:39,960 Speaker 1: at all. Uh. And then you know, if they decide 138 00:06:40,000 --> 00:06:42,960 Speaker 1: to repay that gift, then it's just gravy. But actually 139 00:06:43,200 --> 00:06:45,960 Speaker 1: making loans to family and friends, uh, you know that 140 00:06:46,040 --> 00:06:50,280 Speaker 1: have financial consequences attached to those, there's almost never work 141 00:06:50,320 --> 00:06:53,279 Speaker 1: out well, and so you could easily lose a friendship 142 00:06:53,360 --> 00:06:57,159 Speaker 1: or damage your relationship that even beyond repair. But you know, 143 00:06:57,240 --> 00:06:59,440 Speaker 1: if you do decide to give money, once that you're 144 00:06:59,480 --> 00:07:01,479 Speaker 1: in a gift, you know, keep in mind that there's 145 00:07:01,720 --> 00:07:04,120 Speaker 1: you know, possibly a bigger chance of a future ask 146 00:07:04,200 --> 00:07:06,560 Speaker 1: from that person as well, so you know, in the 147 00:07:06,600 --> 00:07:08,760 Speaker 1: process of giving them the money, make sure that you 148 00:07:08,800 --> 00:07:11,520 Speaker 1: set some boundaries, maybe make sure you set some parameters 149 00:07:11,560 --> 00:07:15,600 Speaker 1: as well, in order to set some expectations as far 150 00:07:15,640 --> 00:07:17,760 Speaker 1: as what kind of help that person can expect from 151 00:07:17,760 --> 00:07:20,040 Speaker 1: you in the future as well. Heah, it's a good point, Matt. 152 00:07:20,080 --> 00:07:22,560 Speaker 1: And even though you should be wary of lending money 153 00:07:22,560 --> 00:07:24,320 Speaker 1: to friends or family that you aren't willing to just 154 00:07:24,400 --> 00:07:26,800 Speaker 1: give them, there are other ways you can help, right 155 00:07:27,120 --> 00:07:29,160 Speaker 1: Maybe they can stay with you in your house, Maybe 156 00:07:29,200 --> 00:07:30,880 Speaker 1: you've got to spare bedroom that they can that they 157 00:07:30,920 --> 00:07:32,760 Speaker 1: can hang out in. And you can also make them 158 00:07:32,800 --> 00:07:35,280 Speaker 1: aware of federal and local benefits that they might be 159 00:07:35,280 --> 00:07:38,160 Speaker 1: eligible for. For example, if they need help paying their 160 00:07:38,200 --> 00:07:40,480 Speaker 1: mortgage and that's why they're asking you for money or 161 00:07:40,520 --> 00:07:42,800 Speaker 1: paying the credit card company right now, well help them 162 00:07:42,840 --> 00:07:46,080 Speaker 1: think through getting their payments deferred on both accounts. Matt, 163 00:07:46,120 --> 00:07:49,400 Speaker 1: I haven't had people asking me specifically for money, but 164 00:07:49,640 --> 00:07:52,840 Speaker 1: just in conversations I've talked to friends who are struggling financially, 165 00:07:53,000 --> 00:07:55,560 Speaker 1: and oftentimes they don't realize the resources that are available 166 00:07:55,600 --> 00:07:57,200 Speaker 1: to them, that they can have their payments on their 167 00:07:57,200 --> 00:07:59,680 Speaker 1: mortgage deferred or the same thing with their with their 168 00:07:59,680 --> 00:08:02,160 Speaker 1: credit our payments, and that's a huge help to them 169 00:08:02,360 --> 00:08:05,640 Speaker 1: in that struggle. And taking that route instead probably means 170 00:08:05,640 --> 00:08:07,960 Speaker 1: that they don't have to ask their family member or 171 00:08:08,200 --> 00:08:11,520 Speaker 1: a friend for a loan, which can be an uncomfortable 172 00:08:11,560 --> 00:08:13,680 Speaker 1: thing to do in a relationship. And then also too, 173 00:08:13,800 --> 00:08:16,720 Speaker 1: if that person needs maybe financial counseling, talk to them 174 00:08:16,760 --> 00:08:18,800 Speaker 1: about the benefits of not for profit companies that will 175 00:08:18,840 --> 00:08:21,240 Speaker 1: provide free assistance. So there are all these ways in 176 00:08:21,280 --> 00:08:23,640 Speaker 1: which you can help a family member or a friend 177 00:08:23,840 --> 00:08:26,200 Speaker 1: by either a giving the money and sending those boundaries 178 00:08:26,560 --> 00:08:28,360 Speaker 1: but not making it alone because that makes it just 179 00:08:28,400 --> 00:08:31,280 Speaker 1: a really uncomfortable situation, but then also kind of helping 180 00:08:31,360 --> 00:08:34,320 Speaker 1: direct them in the area of resources that they might 181 00:08:34,480 --> 00:08:36,800 Speaker 1: really actually need and not be aware of. Yeah, folks, 182 00:08:36,880 --> 00:08:40,200 Speaker 1: never asked me for a loan because I charge just 183 00:08:40,240 --> 00:08:42,439 Speaker 1: like a title. Yeah right, I can see you doing 184 00:08:42,440 --> 00:08:44,960 Speaker 1: that just getting I mean, we have gifted money to 185 00:08:45,000 --> 00:08:47,360 Speaker 1: others before. We've never been asked, but we've kind of 186 00:08:47,400 --> 00:08:50,360 Speaker 1: proactively given before, and we definitely make clear that you know, 187 00:08:50,400 --> 00:08:52,960 Speaker 1: there weren't any strings attached that money was not expected 188 00:08:53,000 --> 00:08:55,040 Speaker 1: to be paid back and something I'll see what a 189 00:08:55,080 --> 00:08:56,920 Speaker 1: lot of things we're giving money we're not actually giving 190 00:08:57,080 --> 00:09:00,880 Speaker 1: like cold hard cash, right Uh, Typically a digital payment 191 00:09:00,960 --> 00:09:03,880 Speaker 1: will do just fine. And so we'll talk about the 192 00:09:03,920 --> 00:09:08,120 Speaker 1: decline in use of physical currency and the current nationwide 193 00:09:08,160 --> 00:09:10,680 Speaker 1: coin shortage. We'll talk about that right after the break. 194 00:09:11,920 --> 00:09:22,319 Speaker 1: All right, we're back. We're doing the Friday flight, Matt. 195 00:09:22,360 --> 00:09:24,560 Speaker 1: We're talking about a lot of different stories that kind 196 00:09:24,559 --> 00:09:26,760 Speaker 1: of second half, the second half of it. They caught 197 00:09:26,760 --> 00:09:29,480 Speaker 1: our eye this week, and one of them was kind 198 00:09:29,520 --> 00:09:31,920 Speaker 1: of the fact that people are using cash a whole 199 00:09:31,960 --> 00:09:34,319 Speaker 1: lot less, and there's a coin shortage too. We'll get 200 00:09:34,320 --> 00:09:36,360 Speaker 1: to that in one second. But people are of course 201 00:09:36,440 --> 00:09:38,800 Speaker 1: using cash less right now, and part of that is 202 00:09:38,840 --> 00:09:42,959 Speaker 1: because they're opting for delivery instead of specifically going out somewhere, 203 00:09:43,120 --> 00:09:46,360 Speaker 1: and oftentimes that payment is taken digitally through a credit 204 00:09:46,440 --> 00:09:49,080 Speaker 1: card or an app. So that raises the question should 205 00:09:49,120 --> 00:09:52,319 Speaker 1: we even used physical cash and coins. There are lots 206 00:09:52,360 --> 00:09:54,760 Speaker 1: of arguments made for at least getting rid of the 207 00:09:54,760 --> 00:09:57,600 Speaker 1: penny when it costs two cents to make a penny 208 00:09:57,640 --> 00:10:00,240 Speaker 1: and sea in seven cents to make a nickel. Right, 209 00:10:00,440 --> 00:10:03,200 Speaker 1: So I think I'd probably be okay discontinuing production on 210 00:10:03,240 --> 00:10:05,840 Speaker 1: those coins, right, especially as they're way less valuable in 211 00:10:05,880 --> 00:10:07,880 Speaker 1: modern commerce. But what about cash? How should we think 212 00:10:07,920 --> 00:10:10,800 Speaker 1: about that? As so many more people are going digital 213 00:10:10,840 --> 00:10:14,040 Speaker 1: with purchases, and actual physical cash just makes a whole 214 00:10:14,040 --> 00:10:16,120 Speaker 1: lot less sense to carry around these days. Yeah, man, 215 00:10:16,160 --> 00:10:18,000 Speaker 1: for us at this point in our lives, the only 216 00:10:18,200 --> 00:10:20,440 Speaker 1: time that we're using coins at all pretty much is 217 00:10:20,480 --> 00:10:22,520 Speaker 1: just to teach the kids about money when it comes 218 00:10:22,559 --> 00:10:24,760 Speaker 1: to earning money from from doing different jobs around the house, 219 00:10:24,800 --> 00:10:27,800 Speaker 1: things like that pennies are actually pretty handy when it 220 00:10:27,800 --> 00:10:30,280 Speaker 1: comes to counting that out and for them to understand 221 00:10:30,280 --> 00:10:32,199 Speaker 1: when you get five together that's a nickel, and two 222 00:10:32,280 --> 00:10:35,520 Speaker 1: nickels equals a dime and so on. But uh, but yeah, otherwise, man, 223 00:10:35,840 --> 00:10:39,719 Speaker 1: I mean I rarely use actual physical cash. We keep 224 00:10:39,720 --> 00:10:41,360 Speaker 1: a little bit on hand in the rare instance that 225 00:10:41,400 --> 00:10:43,640 Speaker 1: we need some for, you know, to pay somebody who's 226 00:10:43,800 --> 00:10:45,880 Speaker 1: like a neighborhood kid. But like more and more of 227 00:10:45,880 --> 00:10:49,840 Speaker 1: those kids are using cash apps or they're demanding more money, 228 00:10:49,960 --> 00:10:53,000 Speaker 1: like sorry, mr, Mr Matt, that's seventy cents. Just they're 229 00:10:53,000 --> 00:10:55,160 Speaker 1: gonna do it. I tried a dollar now and it's 230 00:10:55,160 --> 00:10:58,000 Speaker 1: funny too actually because of the coin shortage that that 231 00:10:58,040 --> 00:11:01,360 Speaker 1: we've experienced. Part of the reason that it's happened is 232 00:11:01,400 --> 00:11:03,800 Speaker 1: coin deposits are are slowing down and the U. S 233 00:11:03,840 --> 00:11:06,040 Speaker 1: Mint is producing fewer coins right now and attempt to 234 00:11:06,080 --> 00:11:09,320 Speaker 1: keep workers safe. So who knows how long the shortage 235 00:11:09,360 --> 00:11:10,880 Speaker 1: is gonna last. I don't think it's gonna last a 236 00:11:10,920 --> 00:11:13,400 Speaker 1: long time, but for right now, a lot of businesses 237 00:11:13,440 --> 00:11:15,520 Speaker 1: are having a hard time getting the coins they need 238 00:11:15,600 --> 00:11:18,200 Speaker 1: to give people, you know, proper change when they make 239 00:11:18,240 --> 00:11:20,760 Speaker 1: a purchase. But it's it's another one of those kind 240 00:11:20,760 --> 00:11:24,000 Speaker 1: of quirky, unintended consequences of COVID that's leading to an 241 00:11:24,000 --> 00:11:28,360 Speaker 1: increase in digital payments. It's essentially accelerating that revolution towards 242 00:11:28,440 --> 00:11:31,520 Speaker 1: people paying digitally almost constantly. So, yeah, if you're one 243 00:11:31,520 --> 00:11:33,360 Speaker 1: of those people that that has like a lot of 244 00:11:33,400 --> 00:11:35,240 Speaker 1: coins in a jar, you might wanna go down to 245 00:11:35,280 --> 00:11:37,000 Speaker 1: one of your local businesses and see if they could 246 00:11:37,040 --> 00:11:40,360 Speaker 1: could use some coins, because a lot of stores have 247 00:11:40,440 --> 00:11:43,640 Speaker 1: had to figure out ways around having no pennies or 248 00:11:43,640 --> 00:11:45,640 Speaker 1: no nickels or something like that, and they have kind 249 00:11:45,679 --> 00:11:48,000 Speaker 1: of had to round up or round down prices in 250 00:11:48,080 --> 00:11:50,800 Speaker 1: order to kind of accommodate the customers who are buying stuff. Yeah, 251 00:11:50,800 --> 00:11:52,679 Speaker 1: and when it comes to the public using less cash 252 00:11:52,679 --> 00:11:54,760 Speaker 1: in general, you know, in the beginning of the pandemic, 253 00:11:55,280 --> 00:11:57,400 Speaker 1: a lot of folks were reluctant to use cash because 254 00:11:57,600 --> 00:12:00,000 Speaker 1: they thought, you know, they weren't too sure how much 255 00:12:00,240 --> 00:12:03,920 Speaker 1: of the transmission of the virus was happening via frequently 256 00:12:03,960 --> 00:12:06,760 Speaker 1: touched objects. Now we know that that appears to be 257 00:12:06,760 --> 00:12:09,240 Speaker 1: a pretty minor concern at this point. But because of that, 258 00:12:09,280 --> 00:12:13,720 Speaker 1: a t m uses down and six of consumers say 259 00:12:13,800 --> 00:12:16,640 Speaker 1: they are using less cash in general. Dude, is only 260 00:12:16,679 --> 00:12:19,480 Speaker 1: even a couple of years ago that Aldi started accepting 261 00:12:19,600 --> 00:12:21,800 Speaker 1: credit cards. You know, I'll do my beloved grocery short. 262 00:12:21,960 --> 00:12:23,640 Speaker 1: I know you love them. That actually helped out a 263 00:12:23,720 --> 00:12:25,600 Speaker 1: huge when it came to cash back. Not being able 264 00:12:25,640 --> 00:12:28,040 Speaker 1: to put all of that money on our credit card 265 00:12:28,240 --> 00:12:30,520 Speaker 1: instead of on a debit card, which is the only 266 00:12:30,559 --> 00:12:33,079 Speaker 1: place that we're using a debit card was Aldi? Man, 267 00:12:33,200 --> 00:12:35,080 Speaker 1: I feel so good about being able to channel that 268 00:12:35,080 --> 00:12:37,520 Speaker 1: five a month onto a credit card. Yeah. I think 269 00:12:37,559 --> 00:12:40,400 Speaker 1: the main reason that ALDI was an accepting credit cards 270 00:12:40,600 --> 00:12:43,800 Speaker 1: was because of the feest that they're charged by Visa 271 00:12:43,840 --> 00:12:46,240 Speaker 1: and master Card. Right. But my assumption is the reason 272 00:12:46,280 --> 00:12:48,200 Speaker 1: that they ended up actually starting to take credit cards 273 00:12:48,200 --> 00:12:50,120 Speaker 1: because they're losing out. Because I'm sure there were a 274 00:12:50,160 --> 00:12:52,679 Speaker 1: lot of people that put their food on the conveyor 275 00:12:52,720 --> 00:12:55,480 Speaker 1: belt and started to check out and then realized, I'm sorry, 276 00:12:55,480 --> 00:12:57,040 Speaker 1: I don't have cash on me or a debit card, 277 00:12:57,080 --> 00:12:58,959 Speaker 1: and I don't have a check exactly, never had a 278 00:12:59,040 --> 00:13:01,600 Speaker 1: check exactly, And so we're like, well, we're losing out 279 00:13:01,640 --> 00:13:04,240 Speaker 1: in that way too, exactly because so much of the 280 00:13:04,280 --> 00:13:06,839 Speaker 1: way payments happen now are digital. You know, their their 281 00:13:06,880 --> 00:13:08,920 Speaker 1: credit card based or or app based. Sure it's a 282 00:13:08,920 --> 00:13:11,480 Speaker 1: business decision or watch based, I guess too, right, I 283 00:13:11,520 --> 00:13:13,560 Speaker 1: haven't done that yet. I haven't gone that far yet either. 284 00:13:14,200 --> 00:13:15,920 Speaker 1: I'm sure I will at some point, but I'm definitely 285 00:13:16,000 --> 00:13:18,440 Speaker 1: resisting for now. Um. But man, you know, like you mentioned, 286 00:13:18,480 --> 00:13:21,000 Speaker 1: like in many areas of our life, COVID, it does 287 00:13:21,080 --> 00:13:24,079 Speaker 1: seem to be accelerating this, you know, digital pay revolution, 288 00:13:24,480 --> 00:13:27,280 Speaker 1: as more and more folks are going with digital payments. 289 00:13:27,640 --> 00:13:29,640 Speaker 1: And you know that's great for some folks, but retailers 290 00:13:29,679 --> 00:13:32,960 Speaker 1: do pay higher fees and credit card transactions, and also too, 291 00:13:33,080 --> 00:13:35,520 Speaker 1: there are unbanked individuals in our nation, you know, who 292 00:13:35,520 --> 00:13:37,880 Speaker 1: typically pay with cash, and they're gonna have a harder 293 00:13:37,880 --> 00:13:40,880 Speaker 1: time getting their hands on that cash as our society 294 00:13:40,960 --> 00:13:43,320 Speaker 1: kind of moves in the direction of digital payments. Yeah, 295 00:13:43,320 --> 00:13:46,120 Speaker 1: that's why. I actually some cities have made it illegal 296 00:13:46,320 --> 00:13:50,360 Speaker 1: for for businesses to go digital payment only. I think 297 00:13:50,400 --> 00:13:53,680 Speaker 1: Philadelphia is one of them, basically forcing businesses to accept 298 00:13:53,679 --> 00:13:56,600 Speaker 1: cash and and in particulars for people that that are unbanked. 299 00:13:56,840 --> 00:13:58,760 Speaker 1: But it will be interesting to see kind of what 300 00:13:58,880 --> 00:14:01,960 Speaker 1: happens with digital payments because obviously they've become more important, 301 00:14:02,000 --> 00:14:04,200 Speaker 1: even more important right now. But Matt, let's get on 302 00:14:04,200 --> 00:14:06,600 Speaker 1: to streaming TV cost. That was one of the other 303 00:14:06,679 --> 00:14:09,240 Speaker 1: big things that cut our eye this week. Live digital 304 00:14:09,240 --> 00:14:12,400 Speaker 1: TV streaming was initially great as these services kind of 305 00:14:12,400 --> 00:14:15,000 Speaker 1: started to proliferate a few years ago and it lowered 306 00:14:15,000 --> 00:14:16,960 Speaker 1: the cost in a meaningful way from cable. So at 307 00:14:17,000 --> 00:14:19,400 Speaker 1: first it was like Netflix. It wasn't live TV, right, 308 00:14:19,400 --> 00:14:21,680 Speaker 1: it was just prepackaged stuff and it was super cheap 309 00:14:21,680 --> 00:14:24,480 Speaker 1: to stream that stuff. But people maybe had Netflix and 310 00:14:24,520 --> 00:14:26,920 Speaker 1: cable because they didn't want to lose out on live TV. 311 00:14:27,200 --> 00:14:30,200 Speaker 1: But now services like Sling, YouTube TV, they gave people 312 00:14:30,200 --> 00:14:33,320 Speaker 1: this awesome alternative from getting a traditional cable package, and 313 00:14:33,360 --> 00:14:36,120 Speaker 1: plus the additional DVR options and the ability to watch 314 00:14:36,160 --> 00:14:39,240 Speaker 1: anywhere on any device. Right, those things were fantastic and 315 00:14:39,280 --> 00:14:41,760 Speaker 1: they made it even more likely that people would switch, 316 00:14:42,200 --> 00:14:43,840 Speaker 1: and a lot of people did. I think. I think 317 00:14:43,880 --> 00:14:45,960 Speaker 1: in the last five years, like sixteen million people have 318 00:14:46,000 --> 00:14:49,360 Speaker 1: cut out cable from their lives altogether. People. Yeah so, 319 00:14:49,800 --> 00:14:52,720 Speaker 1: but now live streaming TV has quickly gotten a whole 320 00:14:52,720 --> 00:14:55,000 Speaker 1: lot more expensive than it was. It's no longer like 321 00:14:55,040 --> 00:14:58,080 Speaker 1: this slam dunk choice over getting a traditional cable TV 322 00:14:58,160 --> 00:15:01,680 Speaker 1: package or satellite TV package. Right, so, although the traditional 323 00:15:01,680 --> 00:15:03,960 Speaker 1: cable bill is over a hundred dollars a month, you 324 00:15:04,000 --> 00:15:06,080 Speaker 1: might still be able to get a deal. They'll get 325 00:15:06,080 --> 00:15:08,360 Speaker 1: you a reduced rate for a limited time, typically a year, 326 00:15:08,640 --> 00:15:11,080 Speaker 1: that would beat like the YouTube TV price. And Matt, 327 00:15:11,200 --> 00:15:13,320 Speaker 1: the whole reason we're bringing this up is because YouTube 328 00:15:13,320 --> 00:15:16,320 Speaker 1: TV just raise their rates in a big way, right, Yeah, 329 00:15:16,400 --> 00:15:18,760 Speaker 1: YouTube you know they've got the most popular live TV 330 00:15:18,800 --> 00:15:21,480 Speaker 1: streaming service, it seems right now. They have had multiple 331 00:15:21,480 --> 00:15:23,440 Speaker 1: price hikes in the past couple of years, and the 332 00:15:23,440 --> 00:15:26,680 Speaker 1: most recent price hike was fifteen dollars a month. Man 333 00:15:26,680 --> 00:15:29,240 Speaker 1: they bumped it from fifty bucks to sixty five bucks. 334 00:15:29,720 --> 00:15:31,320 Speaker 1: You know, let's be honest, this is not a great 335 00:15:31,360 --> 00:15:33,480 Speaker 1: time to do this, considering that we're in a pandemic. 336 00:15:33,760 --> 00:15:35,720 Speaker 1: Either way, though, that's a big enough jump to cause 337 00:15:35,760 --> 00:15:39,720 Speaker 1: anyone to consider their subscription. You know. Sure, YouTube TV 338 00:15:39,920 --> 00:15:43,120 Speaker 1: like they did add a few extra channels, but most 339 00:15:43,120 --> 00:15:46,800 Speaker 1: subscribers would have probably preferred the smaller price tag over 340 00:15:47,000 --> 00:15:50,200 Speaker 1: increased options. So, you know, if you are a subscriber 341 00:15:50,240 --> 00:15:52,760 Speaker 1: to any of these services, it's always important to ask 342 00:15:52,880 --> 00:15:55,320 Speaker 1: if you're getting solid value for what it is that 343 00:15:55,360 --> 00:15:57,720 Speaker 1: you're paying, and maybe you are, you know, but if 344 00:15:57,720 --> 00:16:00,760 Speaker 1: you're not, consider other options, like using a service that 345 00:16:00,800 --> 00:16:04,120 Speaker 1: will offer you a smaller package for less money. Sling 346 00:16:04,200 --> 00:16:06,760 Speaker 1: they have two different thirty dollar packages that they offer, 347 00:16:07,080 --> 00:16:09,240 Speaker 1: and if one of those works for how you watch TV, 348 00:16:09,400 --> 00:16:11,400 Speaker 1: you'll save a good bit of money. You know. Maybe 349 00:16:11,440 --> 00:16:14,640 Speaker 1: you realize that you rarely watch live TV or that 350 00:16:14,680 --> 00:16:17,080 Speaker 1: you mostly only watch local channels. Well, you know what, 351 00:16:17,160 --> 00:16:19,840 Speaker 1: you can also get those via a digital antenna or 352 00:16:19,840 --> 00:16:22,640 Speaker 1: even for free or cheap via a site like low 353 00:16:22,720 --> 00:16:25,600 Speaker 1: cast dot org. Yeah, there's so many options now for 354 00:16:25,640 --> 00:16:28,320 Speaker 1: people when it comes to how they want to view television. 355 00:16:28,720 --> 00:16:32,480 Speaker 1: And yeah, as the live TV streaming services, as the 356 00:16:32,760 --> 00:16:34,960 Speaker 1: price continues to ramp up, and it seems like it's 357 00:16:35,000 --> 00:16:37,800 Speaker 1: ramping up quickly over the past year or two, then 358 00:16:38,160 --> 00:16:40,000 Speaker 1: I think it's really important for people to know what 359 00:16:40,000 --> 00:16:42,760 Speaker 1: their options are. Right, Like Matt, I've got Amazon Prime 360 00:16:42,760 --> 00:16:45,920 Speaker 1: in the video that accompanies that will occasionally give us 361 00:16:45,960 --> 00:16:47,800 Speaker 1: something good to watch. I'm gonna say that there's not 362 00:16:47,840 --> 00:16:49,520 Speaker 1: a whole lot of good stuff on there. Obviously that's 363 00:16:49,560 --> 00:16:52,280 Speaker 1: not live TV, but I've heard rumors that Amazon is 364 00:16:52,320 --> 00:16:54,240 Speaker 1: considering that, so we'll see what happens there. Of course 365 00:16:54,240 --> 00:16:58,000 Speaker 1: they are, because they want to take over the world. Yes, Yeah, 366 00:16:58,200 --> 00:17:01,360 Speaker 1: and the kids man, they mostly dig Disney Plus and 367 00:17:01,520 --> 00:17:03,440 Speaker 1: Emily and I. We've gotten back on the Netflix train 368 00:17:03,520 --> 00:17:06,239 Speaker 1: as well. Yeah, speaking of prices, it makes me think 369 00:17:06,280 --> 00:17:08,440 Speaker 1: back to when Netflix was like was it five bucks 370 00:17:08,440 --> 00:17:10,200 Speaker 1: a month when they first came out, where you were 371 00:17:10,280 --> 00:17:12,880 Speaker 1: literally receiving discs in the mail and remember when they're 372 00:17:12,880 --> 00:17:15,160 Speaker 1: super cheap. Yeah, I remember when they went from that 373 00:17:15,240 --> 00:17:17,600 Speaker 1: model to the streaming only or maybe the streaming as 374 00:17:17,640 --> 00:17:19,480 Speaker 1: an option, that it was like nine dollars or eleven 375 00:17:19,560 --> 00:17:21,640 Speaker 1: or something like that. I remember thinking, oh my gosh, 376 00:17:21,640 --> 00:17:23,760 Speaker 1: they're they're gonna double their price. That's so much money, 377 00:17:23,880 --> 00:17:25,760 Speaker 1: But honestly, that's nothing compared to you what some of 378 00:17:25,800 --> 00:17:28,600 Speaker 1: these companies are charging now. Yeah, I think the biggest 379 00:17:28,600 --> 00:17:30,040 Speaker 1: game changing and kind of what a lot of people 380 00:17:30,080 --> 00:17:34,239 Speaker 1: hoped would happen in the live TV streaming revolution was 381 00:17:34,400 --> 00:17:36,400 Speaker 1: a little bit more choice, and we just haven't seen 382 00:17:36,440 --> 00:17:39,119 Speaker 1: that happen. And so I think the biggest game changer 383 00:17:39,200 --> 00:17:41,000 Speaker 1: is going to be if one of these streaming services, 384 00:17:41,080 --> 00:17:42,760 Speaker 1: or maybe a new one that hasn't even launched yet, 385 00:17:42,880 --> 00:17:44,840 Speaker 1: can get to the point of offering something like all 386 00:17:44,920 --> 00:17:48,520 Speaker 1: a cart individual channel selections. That would make a lot 387 00:17:48,520 --> 00:17:50,080 Speaker 1: of people happy, right if you can pick your five 388 00:17:50,119 --> 00:17:52,720 Speaker 1: favorite channels, because that's the biggest problem is you're paying 389 00:17:52,760 --> 00:17:56,639 Speaker 1: sixty five a month for eighty channels or ninety channels 390 00:17:56,760 --> 00:17:58,280 Speaker 1: and you watch four or five of them. Yeah. Well, 391 00:17:58,280 --> 00:18:00,920 Speaker 1: I mean that's that was the original problem with cable tv, 392 00:18:01,200 --> 00:18:02,919 Speaker 1: is that you're paying for two hundred channel or three 393 00:18:03,280 --> 00:18:06,399 Speaker 1: channels and really only watch five. Unfortunately, we're starting to 394 00:18:06,440 --> 00:18:09,480 Speaker 1: see these new two point oh TV companies doing the 395 00:18:09,520 --> 00:18:11,800 Speaker 1: same thing, and unfortunately, I think that's something that comes 396 00:18:11,840 --> 00:18:14,640 Speaker 1: with them having more power and what is it market share? 397 00:18:14,680 --> 00:18:16,760 Speaker 1: I guess yeah. Yeah, So it'll be interesting to see 398 00:18:16,800 --> 00:18:19,119 Speaker 1: if anybody comes along and kind of offers a service 399 00:18:19,160 --> 00:18:21,040 Speaker 1: like that. I have a feeling could be incredibly popular. 400 00:18:21,440 --> 00:18:24,359 Speaker 1: The question is whether it's possible to actually create something 401 00:18:24,400 --> 00:18:25,960 Speaker 1: like that and make it work, and if not, that's 402 00:18:25,960 --> 00:18:28,320 Speaker 1: something that maybe you should start, buddy. Oh yeah, that's 403 00:18:28,640 --> 00:18:30,760 Speaker 1: that's totally what I want to do, new little side business. 404 00:18:31,240 --> 00:18:34,080 Speaker 1: Huzz And you know, when it comes to traditional cable services, 405 00:18:34,080 --> 00:18:35,520 Speaker 1: I don't see how they're gonna be able to hang 406 00:18:35,560 --> 00:18:37,680 Speaker 1: on at all. You know, like live sports is really 407 00:18:37,720 --> 00:18:41,040 Speaker 1: the only reason for folks to keep those costly subscriptions going. 408 00:18:41,400 --> 00:18:44,280 Speaker 1: And again you can get a lot of that via sling, 409 00:18:44,560 --> 00:18:46,240 Speaker 1: uh the Orange channel, Like that's where it's at for 410 00:18:46,280 --> 00:18:50,560 Speaker 1: sports typically. And speaking of man Atlanta United, Tomorrow Saturday 411 00:18:50,760 --> 00:18:53,880 Speaker 1: is gonna be the first Atlanta United match down there 412 00:18:53,920 --> 00:18:56,920 Speaker 1: in Orlando for the MLS is Back tournament. You're gonna 413 00:18:56,960 --> 00:18:59,040 Speaker 1: be watching it? Yeah, I can't wait. Do I have 414 00:18:59,040 --> 00:19:01,119 Speaker 1: anything else on my calendar? Anything else to do? You know, 415 00:19:01,320 --> 00:19:03,320 Speaker 1: it's like the only sports except for like the first 416 00:19:03,320 --> 00:19:05,520 Speaker 1: two matches at the beginning of this season. I can't wait, 417 00:19:05,680 --> 00:19:08,200 Speaker 1: even though I'm sure it's not gonna be that great, 418 00:19:08,280 --> 00:19:09,960 Speaker 1: but I can't wait to see it. Still, probably still 419 00:19:10,000 --> 00:19:12,959 Speaker 1: gonna cry tears of joy just because the sports are backs, man, 420 00:19:13,200 --> 00:19:15,160 Speaker 1: just to see it. We need something to kind of 421 00:19:15,240 --> 00:19:17,720 Speaker 1: bring us together. We're not really seeing that in lots 422 00:19:17,760 --> 00:19:21,040 Speaker 1: of other arenas in our country today. I even feel 423 00:19:21,040 --> 00:19:22,520 Speaker 1: that we didn't feel much of that during the Fourth 424 00:19:22,520 --> 00:19:24,879 Speaker 1: of July because a lot of the parades and the 425 00:19:24,880 --> 00:19:26,800 Speaker 1: fireworks shows, like a lot of the different things that 426 00:19:26,840 --> 00:19:29,720 Speaker 1: bring us together were canceled. Right. Like every year, I 427 00:19:29,720 --> 00:19:31,840 Speaker 1: typically run the Peach Tree where you get together with 428 00:19:31,880 --> 00:19:34,240 Speaker 1: like forty thou people that run this tin k. Didn't 429 00:19:34,240 --> 00:19:36,480 Speaker 1: get to do that this year. So I'm excited to 430 00:19:36,880 --> 00:19:39,480 Speaker 1: unite with my fellow at Lena United fans, even though 431 00:19:39,520 --> 00:19:41,800 Speaker 1: there'll be nobody in the stands and it'll be really weird, 432 00:19:41,960 --> 00:19:43,679 Speaker 1: but I'm still looking forward to it. Buddy. Yeah, we 433 00:19:43,720 --> 00:19:46,800 Speaker 1: need something and this is something. So yeah, I agree. 434 00:19:46,840 --> 00:19:50,960 Speaker 1: In a year that has not been full of much brightness, uh, 435 00:19:51,119 --> 00:19:54,480 Speaker 1: soccer is coming quick to give us something at least. 436 00:19:54,600 --> 00:19:57,000 Speaker 1: But all right, man, that's gonna do it. For today's episode. 437 00:19:57,200 --> 00:19:59,440 Speaker 1: For folks who want show notes are more information about 438 00:19:59,440 --> 00:20:01,200 Speaker 1: the podcast and general or to check out some of 439 00:20:01,280 --> 00:20:03,359 Speaker 1: our older episodes, you can go to our website how 440 00:20:03,400 --> 00:20:05,160 Speaker 1: to Money dot com and you know me. While we're 441 00:20:05,160 --> 00:20:06,959 Speaker 1: on the topic of soccer, I'm actually curious if any 442 00:20:07,000 --> 00:20:09,879 Speaker 1: of our listeners follow other MLS teams, and so if 443 00:20:09,920 --> 00:20:11,600 Speaker 1: you do, here's maybe a way that you can share. 444 00:20:11,720 --> 00:20:13,720 Speaker 1: Head over to Instagram, give us a follow at how 445 00:20:13,800 --> 00:20:17,240 Speaker 1: to Money Pod, and comment on this Friday's post with 446 00:20:17,320 --> 00:20:19,760 Speaker 1: whatever team it is that you follow, you know. I 447 00:20:19,760 --> 00:20:22,320 Speaker 1: think actually one listener did something a little nefarious recently 448 00:20:22,480 --> 00:20:25,400 Speaker 1: and signed this stuff for Houston Dynamo Emails. Really yeah, 449 00:20:25,440 --> 00:20:27,800 Speaker 1: I randomly got one in the inbox. I unsubscribed as quickly. 450 00:20:27,880 --> 00:20:29,879 Speaker 1: I was like, what happened? I never signed up for this. 451 00:20:30,119 --> 00:20:32,320 Speaker 1: I think it was a listener from Houston who just 452 00:20:32,359 --> 00:20:33,879 Speaker 1: that is so funny. Hold on our legs or so. 453 00:20:33,920 --> 00:20:35,320 Speaker 1: I didn't see that come through at all. It's a 454 00:20:35,320 --> 00:20:39,200 Speaker 1: dirty tactic. Well, I appreciate you unsubscribing. Well anyway, man, 455 00:20:39,200 --> 00:20:41,520 Speaker 1: that's gonna be it for this episode, buddy. Until next time, 456 00:20:41,720 --> 00:20:43,680 Speaker 1: Best Friends Out, Best Friends Out.