1 00:00:00,080 --> 00:00:03,000 Speaker 1: Welcome to How the Money. I'm Joel, and I am Matt, 2 00:00:03,720 --> 00:00:06,960 Speaker 1: I'm Kate, I'm Emily. That's right. Today we're having a 3 00:00:07,000 --> 00:00:28,479 Speaker 1: money conversation with our wives. And that is not the 4 00:00:28,520 --> 00:00:32,560 Speaker 1: first introduction we recorded, because the middle of the last 5 00:00:32,560 --> 00:00:35,200 Speaker 1: one was interrupted by a kid falling out of their bed, 6 00:00:35,560 --> 00:00:38,640 Speaker 1: which we could hear directly above us. A little bit 7 00:00:38,680 --> 00:00:40,800 Speaker 1: of screaming and sued, but every everything was fine, and 8 00:00:40,880 --> 00:00:44,800 Speaker 1: now it's podcasting time, that's what. So we record this 9 00:00:44,880 --> 00:00:48,160 Speaker 1: episode every year at the beach and so they're probably 10 00:00:48,200 --> 00:00:50,479 Speaker 1: what four I guess previous episodes where we had a 11 00:00:50,479 --> 00:00:55,040 Speaker 1: conversation together about money and other things too, and as 12 00:00:55,160 --> 00:00:57,000 Speaker 1: kids have grown. We have seven kids now in this 13 00:00:57,040 --> 00:01:00,360 Speaker 1: beach house with us this year, and so it's, uh, yeah, 14 00:01:00,360 --> 00:01:02,200 Speaker 1: it's one of those afternoon, sleepy times where we can 15 00:01:02,200 --> 00:01:05,360 Speaker 1: actually have a fun podcast recordings. And you guys, I mean, 16 00:01:05,440 --> 00:01:07,360 Speaker 1: let's be honest, right now, this is the perfect time 17 00:01:07,400 --> 00:01:09,840 Speaker 1: for us to be podcasting because we've had amazing weather 18 00:01:10,280 --> 00:01:13,759 Speaker 1: for four days or so and it is pouring outside 19 00:01:13,880 --> 00:01:16,360 Speaker 1: right see, just time just to set the scene for 20 00:01:16,360 --> 00:01:19,160 Speaker 1: everybody to set the stage. That's right, break out at 21 00:01:19,160 --> 00:01:22,640 Speaker 1: the stage. You want to tell everybody about the pillowfort. 22 00:01:24,680 --> 00:01:26,720 Speaker 1: We're just in a giant pillowfort. You've ever seen the 23 00:01:26,720 --> 00:01:29,120 Speaker 1: episode of Community where they built a forhea is literally 24 00:01:29,160 --> 00:01:31,600 Speaker 1: what we're in right now. That's right. So obviously at 25 00:01:31,600 --> 00:01:33,520 Speaker 1: the beach, to try to get the best acoustics, we 26 00:01:33,560 --> 00:01:35,080 Speaker 1: try to put up as many kushions as we can. 27 00:01:35,080 --> 00:01:36,880 Speaker 1: And what's supposed to picture of this on Instagram, Matt, 28 00:01:36,920 --> 00:01:39,720 Speaker 1: because this is pretty stellar. It's this is the best. 29 00:01:39,720 --> 00:01:42,960 Speaker 1: The kids will be very much. I do think it's 30 00:01:42,959 --> 00:01:46,080 Speaker 1: gonna work out. Joel, you've got this note here about Zaxby's. Okay, 31 00:01:46,160 --> 00:01:48,520 Speaker 1: you've got a story you want to share, a frugal 32 00:01:48,600 --> 00:01:50,520 Speaker 1: or cheap let's let's share this. This was on our 33 00:01:50,560 --> 00:01:52,560 Speaker 1: way to the beach, our family, you know, Emily and 34 00:01:52,600 --> 00:01:55,000 Speaker 1: I and our three kids in tow and we stopped 35 00:01:55,040 --> 00:01:58,040 Speaker 1: for lunch at a Zaxby's. And if you don't have 36 00:01:58,080 --> 00:02:00,400 Speaker 1: a Zaxbies where you live, it's kind of like filet 37 00:02:00,400 --> 00:02:03,800 Speaker 1: but just not as good. And um, sorry, sorry Zaxby's. 38 00:02:03,840 --> 00:02:05,880 Speaker 1: It is true, it's not it's not quite as good, 39 00:02:06,160 --> 00:02:09,120 Speaker 1: but uh, when we were at the counter, we were 40 00:02:09,240 --> 00:02:11,600 Speaker 1: ordering instead of like a bunch of different meals for everybody, 41 00:02:11,639 --> 00:02:13,480 Speaker 1: were like, let's just get a certain amount of like 42 00:02:13,840 --> 00:02:16,400 Speaker 1: chicken tenders, and then let's get a basket of fries. 43 00:02:16,680 --> 00:02:18,160 Speaker 1: And I was like, okay, well, how big is this 44 00:02:18,160 --> 00:02:20,359 Speaker 1: basket of fries? And she was like it beats three 45 00:02:20,360 --> 00:02:23,120 Speaker 1: grown adults. And I was like three growing adults. That's 46 00:02:23,160 --> 00:02:25,440 Speaker 1: great because it's it's one growing adult and and three 47 00:02:25,520 --> 00:02:27,200 Speaker 1: kids eating it, because I'm at least having a salad 48 00:02:27,480 --> 00:02:30,799 Speaker 1: and or a salad as they call it taxi is 49 00:02:30,800 --> 00:02:34,360 Speaker 1: actually which I think it's a great branding. But um 50 00:02:34,400 --> 00:02:37,080 Speaker 1: so this lady, she ends up, she ends up, you know, 51 00:02:37,200 --> 00:02:39,800 Speaker 1: giving me the basket of fries, and I count there 52 00:02:39,800 --> 00:02:41,720 Speaker 1: are fourteen fries in this basket? Am I right? Emily? 53 00:02:41,880 --> 00:02:43,680 Speaker 1: Or my in my off I mean there might have 54 00:02:43,680 --> 00:02:50,119 Speaker 1: been a little bit more, okay, just kind of thing. 55 00:02:50,480 --> 00:02:52,280 Speaker 1: And I was like three growing adults, Like I'm one 56 00:02:52,320 --> 00:02:53,960 Speaker 1: growing adult and I could like pound through this in 57 00:02:54,040 --> 00:02:55,639 Speaker 1: no time. And so I went back up there and 58 00:02:55,639 --> 00:02:56,840 Speaker 1: I was like, is this is this what you meant 59 00:02:56,840 --> 00:02:58,640 Speaker 1: when you said basket of fries? I'm just curious and 60 00:02:58,680 --> 00:03:00,760 Speaker 1: she was like, um yeah, let me as you wanted 61 00:03:00,760 --> 00:03:03,480 Speaker 1: to make sure there wasn't a mistake. Yeah, did you 62 00:03:03,919 --> 00:03:07,240 Speaker 1: by chance give us the small right, And so she 63 00:03:07,320 --> 00:03:08,959 Speaker 1: asked the guy in the back, and the guy in 64 00:03:08,960 --> 00:03:10,840 Speaker 1: the back was like, nope, yep, that's a basket of fries. 65 00:03:10,840 --> 00:03:13,280 Speaker 1: And I was like, oh, okay, can I get a 66 00:03:13,280 --> 00:03:16,520 Speaker 1: refund then, because I just it's not this is not 67 00:03:16,560 --> 00:03:18,880 Speaker 1: what I had in my mind when I heard basket 68 00:03:18,919 --> 00:03:22,640 Speaker 1: of fries and three grown adults. So okay, so frugal 69 00:03:22,720 --> 00:03:25,320 Speaker 1: or cheap? Are you being frugal or cheap by asking 70 00:03:25,480 --> 00:03:29,200 Speaker 1: to get your money back just because I didn't need 71 00:03:29,240 --> 00:03:31,640 Speaker 1: to live it down for a while? Still haven't the 72 00:03:31,720 --> 00:03:34,520 Speaker 1: sweet little lady who helped you decide to buy that 73 00:03:34,560 --> 00:03:37,520 Speaker 1: made fries? She was great, she was she was very kind. 74 00:03:37,960 --> 00:03:39,640 Speaker 1: You go up there and return it, and she comes 75 00:03:39,920 --> 00:03:42,240 Speaker 1: back slowly with your change to our table, and it's like, 76 00:03:42,320 --> 00:03:46,120 Speaker 1: I'm just so sorry about that, and I'm just like 77 00:03:46,200 --> 00:03:48,480 Speaker 1: hiding in the corner. It's fine. We've just returned, not 78 00:03:48,480 --> 00:03:51,160 Speaker 1: trying to shoot her. She was wonderful. It was probably 79 00:03:51,200 --> 00:03:55,040 Speaker 1: didn't even know how to make a return right as manager, 80 00:03:55,120 --> 00:03:59,040 Speaker 1: Exactly how do we return some fries? No one's done 81 00:03:59,040 --> 00:04:03,000 Speaker 1: that before. So okay, I'll give my two cents and 82 00:04:03,320 --> 00:04:05,560 Speaker 1: as long as you ask politely and if you want 83 00:04:05,560 --> 00:04:07,320 Speaker 1: to jerk about it, I think it's totally fine because 84 00:04:07,440 --> 00:04:10,360 Speaker 1: they could put through the fries back towards the kitchen. 85 00:04:10,560 --> 00:04:14,200 Speaker 1: Not only were you being cheap, you're being a jerk obviously. 86 00:04:14,200 --> 00:04:16,440 Speaker 1: If I think you can ask for almost any anything, 87 00:04:16,720 --> 00:04:19,400 Speaker 1: if you are asking it politely, uh, and if you're 88 00:04:19,400 --> 00:04:21,560 Speaker 1: doing it in a kind way. Because they're a business, 89 00:04:21,600 --> 00:04:24,880 Speaker 1: they can always say no, and hopefully they have good 90 00:04:24,880 --> 00:04:27,040 Speaker 1: practice and saying no, because I gotta think customers are 91 00:04:27,040 --> 00:04:29,360 Speaker 1: gonna request some silly things. I think the customer is 92 00:04:29,360 --> 00:04:31,440 Speaker 1: always right, trope is actually overdone, and I don't think 93 00:04:31,440 --> 00:04:33,120 Speaker 1: customers are always right. I think you shall always treat 94 00:04:33,160 --> 00:04:34,599 Speaker 1: your customer as well and with respect, but it doesn't 95 00:04:34,600 --> 00:04:37,599 Speaker 1: mean they're always right. Agreed As a spouse sometimes too, 96 00:04:37,640 --> 00:04:39,039 Speaker 1: I just want to say, you have to buckle up 97 00:04:39,080 --> 00:04:40,240 Speaker 1: and go for it. And if that was going to 98 00:04:40,320 --> 00:04:42,520 Speaker 1: be your fight to fight, go for it. I must 99 00:04:42,560 --> 00:04:45,040 Speaker 1: sit in the corner and deal out chicken fingers to 100 00:04:45,160 --> 00:04:50,520 Speaker 1: my hungry children while you wrestle the FD. You have 101 00:04:50,520 --> 00:04:52,239 Speaker 1: any thoughts on whether or not Joel is being froguel 102 00:04:52,279 --> 00:04:53,760 Speaker 1: or cheap, I mean, I think that would have been 103 00:04:53,800 --> 00:04:56,080 Speaker 1: a little tough for me to see much happened. I 104 00:04:56,160 --> 00:04:59,279 Speaker 1: think even just as another patron in that store would 105 00:04:59,279 --> 00:05:01,400 Speaker 1: have the kids the like, all right, everybody in the van, 106 00:05:01,520 --> 00:05:06,280 Speaker 1: like grab a fry before he returns it. I think 107 00:05:06,279 --> 00:05:10,960 Speaker 1: I would think, okay, in this scenario, if this were 108 00:05:10,960 --> 00:05:13,120 Speaker 1: our family, I think I would say, you don't need 109 00:05:13,160 --> 00:05:16,200 Speaker 1: to return these fries, but definitely go tell them this 110 00:05:16,279 --> 00:05:18,280 Speaker 1: doesn't serve three grown adults. So I would like to 111 00:05:18,360 --> 00:05:21,880 Speaker 1: order another one of these baskets of fries, alright, because 112 00:05:21,920 --> 00:05:24,680 Speaker 1: then they know, like, okay, three grown adults is overblown. 113 00:05:24,680 --> 00:05:26,600 Speaker 1: It's probably not how I should say it from here 114 00:05:26,640 --> 00:05:28,960 Speaker 1: on out. By the way, it was a little I'm 115 00:05:28,960 --> 00:05:30,680 Speaker 1: picturing a little old lady that came back to you 116 00:05:31,880 --> 00:05:35,400 Speaker 1: like a tiny like ninety pounds, because maybe to her, 117 00:05:35,560 --> 00:05:38,040 Speaker 1: she's like that guy good for me and my two friends. 118 00:05:38,160 --> 00:05:40,800 Speaker 1: I mean, when Joel opened the fries, I saw his disappointment, 119 00:05:40,839 --> 00:05:45,160 Speaker 1: and I was a bit confused. I was adequate. I mean, 120 00:05:45,200 --> 00:05:48,760 Speaker 1: we're not giant people. We are not people. Okay, all right, 121 00:05:48,839 --> 00:05:52,080 Speaker 1: Well that was That's an interesting one. And occasion my 122 00:05:52,160 --> 00:05:54,479 Speaker 1: cheapness maybe gets out of hand, and maybe that was 123 00:05:54,480 --> 00:05:55,960 Speaker 1: a case where it did. But yeah, this is just 124 00:05:56,080 --> 00:05:58,680 Speaker 1: that's a funny story and maybe, Yeah, I don't know. 125 00:05:58,839 --> 00:06:01,039 Speaker 1: I think I can. I can be cheap sometimes and 126 00:06:01,040 --> 00:06:02,960 Speaker 1: and so I want to avoid that. I don't want 127 00:06:02,960 --> 00:06:05,880 Speaker 1: to like put anybody off for anybody's feelings and be cheap. 128 00:06:05,880 --> 00:06:08,400 Speaker 1: But you're not a cheap jerk, Yeah, hopefully not. That's 129 00:06:08,440 --> 00:06:10,600 Speaker 1: my attempt is to not be a jerk. But yeah, 130 00:06:10,960 --> 00:06:13,000 Speaker 1: it's probably one of those cases where I should have 131 00:06:13,040 --> 00:06:15,080 Speaker 1: just like sucked it up and gone with it. Kate, 132 00:06:15,160 --> 00:06:17,000 Speaker 1: you want to introduced the beer that we are all 133 00:06:17,080 --> 00:06:19,680 Speaker 1: enjoying during this episode. Um, the beer is called a 134 00:06:19,760 --> 00:06:23,040 Speaker 1: Plume of Many Hues. I thought you might like that 135 00:06:23,040 --> 00:06:25,599 Speaker 1: because it's got a lot of colors on it, artist 136 00:06:25,640 --> 00:06:28,320 Speaker 1: and everything. Actually, it makes me, what is the the 137 00:06:28,600 --> 00:06:32,080 Speaker 1: Dr Seus's story makes me. Gertrude mcfuzz makes me think 138 00:06:32,080 --> 00:06:35,080 Speaker 1: of that all the tales on the brewer of this 139 00:06:35,120 --> 00:06:37,440 Speaker 1: beer is hot Butcher for the World, which I think 140 00:06:37,480 --> 00:06:39,360 Speaker 1: is one of the greatest brewer names of all time. 141 00:06:39,440 --> 00:06:41,560 Speaker 1: That's a good wad. Yeah, for a world, anything for 142 00:06:41,600 --> 00:06:44,160 Speaker 1: the world, anything for the one exactly. All right, let's 143 00:06:44,200 --> 00:06:47,320 Speaker 1: get into it. Let's uh have a conversation about money 144 00:06:47,320 --> 00:06:49,320 Speaker 1: and various other things and a lot of what we're 145 00:06:49,320 --> 00:06:51,280 Speaker 1: going to talk about on the show today will be 146 00:06:51,480 --> 00:06:55,040 Speaker 1: actually determined by how the money listeners, because I posted 147 00:06:55,160 --> 00:06:57,200 Speaker 1: in our how to Money Facebook group, which if you're 148 00:06:57,240 --> 00:06:58,960 Speaker 1: not a member of you should join lots of awesome 149 00:06:58,960 --> 00:07:02,440 Speaker 1: people in there. But uh, people had brought a lot 150 00:07:02,480 --> 00:07:05,960 Speaker 1: of interesting questions to the foreground that we're gonna cover 151 00:07:06,000 --> 00:07:08,159 Speaker 1: in today's episode. But of course the first question we 152 00:07:08,200 --> 00:07:10,200 Speaker 1: have to ask everyone and this, and Cat actually mentioned 153 00:07:10,200 --> 00:07:12,720 Speaker 1: this in the Facebook group. She wants to know what 154 00:07:12,880 --> 00:07:17,600 Speaker 1: is your craft beer equivalent? Emily and Kate, what is it? Well, 155 00:07:17,640 --> 00:07:19,440 Speaker 1: I feel like I'm in grad school right now, which 156 00:07:19,480 --> 00:07:24,200 Speaker 1: that feels like a big splurge. So I don't know 157 00:07:24,520 --> 00:07:28,360 Speaker 1: the schools on myself a little bit right right, So 158 00:07:28,400 --> 00:07:30,600 Speaker 1: I don't know if it's a craft beer equivalent, But 159 00:07:30,840 --> 00:07:35,080 Speaker 1: definitely grad school was something I'm doing for myself. Felt 160 00:07:35,120 --> 00:07:37,560 Speaker 1: like a big step to go study something I've been 161 00:07:37,600 --> 00:07:40,800 Speaker 1: wanting to study for a long time and definitely takes 162 00:07:40,840 --> 00:07:44,520 Speaker 1: a lot of our money, and you know, it feels splurgy. 163 00:07:44,600 --> 00:07:47,280 Speaker 1: And you know, there's some textbooks that all rent, but 164 00:07:47,320 --> 00:07:48,800 Speaker 1: there's some that all buy because I know I want 165 00:07:48,800 --> 00:07:51,480 Speaker 1: to keep them. So that's a little bit splurgy as well, 166 00:07:51,800 --> 00:07:52,880 Speaker 1: I think that's a good one, and I think it 167 00:07:52,920 --> 00:07:55,840 Speaker 1: is your craft beer equivalent, because you like that, what's 168 00:07:55,840 --> 00:07:58,320 Speaker 1: your life? It's it's amazing how just was like we 169 00:07:58,320 --> 00:08:01,920 Speaker 1: were spending as much on your craft. That actually might 170 00:08:01,920 --> 00:08:06,960 Speaker 1: be true. Honestly, if I could have running lifetime tally, 171 00:08:07,120 --> 00:08:11,120 Speaker 1: I definitely feel like I'm spending less. Yeah, that'd be 172 00:08:11,160 --> 00:08:13,200 Speaker 1: interesting to Actually that actually would be through the math 173 00:08:13,240 --> 00:08:17,040 Speaker 1: over the years, except mine will generate money eventually, consumption 174 00:08:17,120 --> 00:08:20,920 Speaker 1: generate money. You originally called the podcast poor, Okay, that's 175 00:08:20,920 --> 00:08:23,080 Speaker 1: fair to find a way to work it into the show. 176 00:08:23,160 --> 00:08:25,240 Speaker 1: We can at least write it off for tax purposes, Emily, 177 00:08:25,400 --> 00:08:30,000 Speaker 1: but it's fair. I think the entertainment right. What it's 178 00:08:30,040 --> 00:08:32,080 Speaker 1: meant for you though, and what it's how how good 179 00:08:32,120 --> 00:08:35,520 Speaker 1: it's been for um, how stimulating it's been for you mentally, 180 00:08:35,920 --> 00:08:40,400 Speaker 1: and just to pursue the thing that you're most passionate 181 00:08:40,400 --> 00:08:43,000 Speaker 1: and interested in has been I think well worth it. 182 00:08:43,000 --> 00:08:44,760 Speaker 1: But it's definitely it's a splurge, but it's the right 183 00:08:44,800 --> 00:08:47,880 Speaker 1: one to make for sure. For sure. Definitely, Yeah, And 184 00:08:47,920 --> 00:08:50,520 Speaker 1: I just love school. How would be a lifelong student 185 00:08:50,600 --> 00:08:53,800 Speaker 1: and I love what I'm setting, so definitely splurge. That's 186 00:08:53,840 --> 00:08:57,600 Speaker 1: been great, I think for me are most recent splurge 187 00:08:57,640 --> 00:09:01,120 Speaker 1: has been childcare and something that we've never paid four 188 00:09:01,200 --> 00:09:05,320 Speaker 1: in the past. Childcare like babysitting. Okay, got it. Yeah, 189 00:09:05,640 --> 00:09:07,600 Speaker 1: we don't pay for babisiting. I mean every other like 190 00:09:07,800 --> 00:09:11,559 Speaker 1: you do daycare. But we're talking about evening like we 191 00:09:11,600 --> 00:09:14,920 Speaker 1: do like a little morning school. Yeah, for us to 192 00:09:14,960 --> 00:09:20,200 Speaker 1: get out babysitters though definitely Atlanta United game. Yeah, things 193 00:09:20,240 --> 00:09:23,480 Speaker 1: like that, And it's something that we would have tried 194 00:09:23,520 --> 00:09:26,520 Speaker 1: to trade with a friend or any time anybody wanted 195 00:09:26,559 --> 00:09:28,640 Speaker 1: to go to dinner with the two of us, we 196 00:09:28,640 --> 00:09:33,560 Speaker 1: would be like, are you available on Wednesday night? And 197 00:09:33,679 --> 00:09:35,800 Speaker 1: we only do every other Wednesday, and that's your right. 198 00:09:35,840 --> 00:09:40,960 Speaker 1: We can only go on dates from seven. Actually, you know, 199 00:09:41,040 --> 00:09:43,280 Speaker 1: it used to be like it was always seven thirty, 200 00:09:43,400 --> 00:09:45,240 Speaker 1: and I feel like originally it was like seven thirty 201 00:09:45,280 --> 00:09:47,320 Speaker 1: to nine, but over the years it's gone from seven 202 00:09:47,400 --> 00:09:51,079 Speaker 1: thirty to nine thirty to thirty. We've we've pushed thirty 203 00:09:51,160 --> 00:09:53,839 Speaker 1: even a few knows when we're doing something extra big. 204 00:09:54,320 --> 00:09:56,720 Speaker 1: But I can't line everything up for a Wednesday night. 205 00:09:56,720 --> 00:09:58,559 Speaker 1: So if there was a party and it didn't land 206 00:09:58,640 --> 00:10:00,640 Speaker 1: on a date night, then AT would go at the 207 00:10:00,640 --> 00:10:03,000 Speaker 1: beginning and we would swap I would go at the end. 208 00:10:03,600 --> 00:10:07,840 Speaker 1: And more recently we've just splurged on having a babysitter 209 00:10:07,880 --> 00:10:11,160 Speaker 1: at our house and going together. So that's been really fun. 210 00:10:11,320 --> 00:10:13,240 Speaker 1: Trouble is finding one who doesn't cost an arm in 211 00:10:13,320 --> 00:10:18,320 Speaker 1: a leg and trying to find that balance. Right, Yeah, 212 00:10:18,800 --> 00:10:22,160 Speaker 1: average babysitter for teen babysitters these days, We talked about 213 00:10:22,160 --> 00:10:26,040 Speaker 1: that recently. Yeah, so, but I I think that's a 214 00:10:26,040 --> 00:10:28,480 Speaker 1: great sport because it means time together, time with other 215 00:10:28,559 --> 00:10:30,319 Speaker 1: friends that you want to spend time with what you 216 00:10:30,400 --> 00:10:32,559 Speaker 1: don't get to spend enough time with, and it's a 217 00:10:32,600 --> 00:10:34,000 Speaker 1: great place to put It's like, all right, we got 218 00:10:34,000 --> 00:10:36,320 Speaker 1: to built in babysitter every other week that's free. But 219 00:10:36,720 --> 00:10:38,640 Speaker 1: you know what, maybe like once or twice a month, 220 00:10:38,679 --> 00:10:41,000 Speaker 1: we want to go out on a night that isn't Wednesday, 221 00:10:41,000 --> 00:10:43,079 Speaker 1: and it's it's still good to I think reserve those 222 00:10:43,320 --> 00:10:45,920 Speaker 1: every other weeks for us as well, Right, I do 223 00:10:45,960 --> 00:10:47,560 Speaker 1: want to spend time with our friend. Schedule of those 224 00:10:47,600 --> 00:10:49,400 Speaker 1: out with other people every other week, or we will 225 00:10:49,440 --> 00:10:51,680 Speaker 1: never get day nights, right exactly. Yeah, like that the 226 00:10:51,800 --> 00:10:53,680 Speaker 1: entire reason that we started those to begin with is 227 00:10:53,679 --> 00:10:56,400 Speaker 1: to make sure that we're taking time to connect with 228 00:10:56,400 --> 00:10:58,640 Speaker 1: each other. I mean, we did that shortly after we 229 00:10:58,679 --> 00:11:01,760 Speaker 1: had our our first babies, and what we realized is that, like, 230 00:11:01,800 --> 00:11:03,760 Speaker 1: oh man, it is it's not easy to get out 231 00:11:03,800 --> 00:11:06,120 Speaker 1: anymore and to to reconnect as a couple. So that's 232 00:11:06,200 --> 00:11:09,560 Speaker 1: definitely I completely agree. That's not something we ever, hardly 233 00:11:09,600 --> 00:11:12,520 Speaker 1: ever paid for. Our babysitters were either Joel like you said, 234 00:11:12,600 --> 00:11:14,440 Speaker 1: or if our parents were in town something like that. 235 00:11:14,880 --> 00:11:17,240 Speaker 1: But but yeah, actually, so this isn't a question that 236 00:11:17,400 --> 00:11:20,520 Speaker 1: was posed in the Facebook group, but I realized that, Uh, 237 00:11:20,520 --> 00:11:23,720 Speaker 1: since we asked for questions. We released the episode about 238 00:11:23,800 --> 00:11:26,080 Speaker 1: us moving, and I'm curious, did did you ladies? Did 239 00:11:26,080 --> 00:11:28,240 Speaker 1: you want to share a little bit, maybe some of 240 00:11:28,280 --> 00:11:31,199 Speaker 1: your thoughts about moving out to the burbs a little bit. 241 00:11:32,640 --> 00:11:36,080 Speaker 1: I don't think the Burbs are ready for the are 242 00:11:36,200 --> 00:11:39,240 Speaker 1: gonna be like, what is this circus of eleven people 243 00:11:39,360 --> 00:11:43,480 Speaker 1: were coming in here, We're gonna take over. Why you 244 00:11:43,520 --> 00:11:45,840 Speaker 1: say that is because we are so currently we're about 245 00:11:46,000 --> 00:11:48,120 Speaker 1: half a mile apart from each other, and where we're 246 00:11:48,160 --> 00:11:52,520 Speaker 1: moving we have managed somehow to find houses that are 247 00:11:52,600 --> 00:11:55,000 Speaker 1: only one mile apart. So it is a little bit 248 00:11:55,000 --> 00:11:57,080 Speaker 1: further than where we are currently. But even that, I 249 00:11:57,120 --> 00:11:59,240 Speaker 1: think is is kind of a miracle in and of itself. 250 00:12:00,240 --> 00:12:03,440 Speaker 1: I mean, the whole process is included a lot of 251 00:12:03,440 --> 00:12:06,920 Speaker 1: emotions and a lot of conversations, and it's a big deal. 252 00:12:07,000 --> 00:12:08,640 Speaker 1: It's a big deal. Yeah, it's a big deal. And 253 00:12:08,679 --> 00:12:11,719 Speaker 1: you're you're trying to make sure you land in a 254 00:12:11,760 --> 00:12:14,440 Speaker 1: position that works for two families who have some of 255 00:12:14,480 --> 00:12:17,040 Speaker 1: the same needs but some of different needs as well, 256 00:12:17,080 --> 00:12:18,880 Speaker 1: and what works for one family and what works for 257 00:12:18,880 --> 00:12:21,160 Speaker 1: the other. So there were a lot of what we 258 00:12:21,240 --> 00:12:23,280 Speaker 1: called family meetings, but we have to text each other 259 00:12:23,320 --> 00:12:24,839 Speaker 1: and be like, look, I we got to talk about 260 00:12:24,880 --> 00:12:27,040 Speaker 1: something right now. You know, we have talked about this 261 00:12:27,080 --> 00:12:30,880 Speaker 1: decision um. But here we are. We've landed it, ups 262 00:12:30,920 --> 00:12:33,840 Speaker 1: and downs, and I'm excited. I'm really thankful. It makes 263 00:12:33,840 --> 00:12:36,520 Speaker 1: a move pretty easy for our kids easier, I want 264 00:12:36,520 --> 00:12:39,040 Speaker 1: to say pretty easy. But to transition with your best 265 00:12:39,040 --> 00:12:43,240 Speaker 1: friends is feels super fortunate. So so that's great. I've 266 00:12:43,240 --> 00:12:47,040 Speaker 1: discovered I don't love change. Okay, it's just you know, 267 00:12:47,160 --> 00:12:50,240 Speaker 1: some self awareness I'm learning. But it'll be great. It's 268 00:12:50,240 --> 00:12:52,800 Speaker 1: a great situation. I'm excited to start a new chapter 269 00:12:52,840 --> 00:12:55,640 Speaker 1: and see how that influences how we think and live 270 00:12:55,720 --> 00:12:58,560 Speaker 1: and how we're going to raise our kids and what 271 00:12:58,880 --> 00:13:01,520 Speaker 1: that's going to look like. It's true. I agree with 272 00:13:01,520 --> 00:13:03,560 Speaker 1: all that Emily said, and I think you know, the 273 00:13:03,640 --> 00:13:07,840 Speaker 1: actual logistics of getting there have been really difficult. Listing 274 00:13:07,880 --> 00:13:14,120 Speaker 1: our house and packing with four kids, immediately unpacking what 275 00:13:14,160 --> 00:13:17,200 Speaker 1: you just packed. I mean, it's really hard, not just 276 00:13:17,280 --> 00:13:19,960 Speaker 1: like selling the house, but clearing it out enough to 277 00:13:20,040 --> 00:13:22,760 Speaker 1: show it in order to sell it. I mean, oh 278 00:13:22,800 --> 00:13:25,880 Speaker 1: my gosh, that was way more work than you never realize. 279 00:13:25,920 --> 00:13:29,200 Speaker 1: You have so many trinkets until they have to disappear. True, 280 00:13:29,240 --> 00:13:32,240 Speaker 1: Oh my goodness. So that part has been hard and 281 00:13:32,400 --> 00:13:34,320 Speaker 1: continues to be. We only have a few more weeks 282 00:13:34,360 --> 00:13:37,240 Speaker 1: of it, but hopefully with that behind us, it will 283 00:13:37,280 --> 00:13:42,679 Speaker 1: be only fun and um yeah, fun new experience for 284 00:13:42,720 --> 00:13:45,560 Speaker 1: all of us that we worked really hard to try 285 00:13:45,600 --> 00:13:48,000 Speaker 1: to make happen and finally is happenings. Yeah, it's really 286 00:13:48,040 --> 00:13:50,400 Speaker 1: cool to kind of see it come to fruition, whereas 287 00:13:50,440 --> 00:13:52,240 Speaker 1: before it's something I mean, like you said, Emily, we 288 00:13:52,240 --> 00:13:54,760 Speaker 1: we talked about this a lot, as like you said, 289 00:13:54,760 --> 00:13:57,559 Speaker 1: family meetings where all the kids are in the one 290 00:13:57,600 --> 00:14:00,280 Speaker 1: part of the house watching TV or ranking ar the 291 00:14:00,280 --> 00:14:04,160 Speaker 1: place right, and we're all in another room having a 292 00:14:04,160 --> 00:14:06,640 Speaker 1: serious conversation. Let's go ahead and let's get to some 293 00:14:06,679 --> 00:14:09,360 Speaker 1: of the questions that listeners posed in the Facebook group. 294 00:14:09,480 --> 00:14:13,000 Speaker 1: Because the natives are restless. I can hear them. They 295 00:14:13,040 --> 00:14:16,720 Speaker 1: have awoken from now. So Joel not Joel lars Guard 296 00:14:16,760 --> 00:14:18,840 Speaker 1: sitting across from me in the Facebook group. He wanted 297 00:14:18,880 --> 00:14:23,560 Speaker 1: to know, ladies, how your views on money have changed 298 00:14:23,640 --> 00:14:27,320 Speaker 1: since the last Beach podcast. So, first of all, have 299 00:14:27,400 --> 00:14:29,960 Speaker 1: they changed? And if so, how? I do not think 300 00:14:29,960 --> 00:14:33,440 Speaker 1: that my views have changed on money in the last calendar, gear, 301 00:14:33,960 --> 00:14:36,560 Speaker 1: I wish I had a better answer the fact that 302 00:14:36,600 --> 00:14:39,000 Speaker 1: it hasn't changed. What do you what do you think 303 00:14:39,000 --> 00:14:41,680 Speaker 1: of that tells you about yourself or about us as 304 00:14:41,720 --> 00:14:45,080 Speaker 1: a couple. Well, I think for years it was a 305 00:14:45,160 --> 00:14:48,200 Speaker 1: honing process of like what do we think about money, 306 00:14:48,200 --> 00:14:49,840 Speaker 1: how do we handle money? What do we do and 307 00:14:49,840 --> 00:14:52,080 Speaker 1: when do we not do? And we have a lot 308 00:14:52,080 --> 00:14:54,280 Speaker 1: of that figured out in a way that works for 309 00:14:54,360 --> 00:14:56,280 Speaker 1: us right now, and so we aren't really looking to 310 00:14:56,400 --> 00:15:01,280 Speaker 1: make changes to that. To Tom, Yeah, we've we've had 311 00:15:01,400 --> 00:15:06,080 Speaker 1: We've got fifteen years of being married and having money conversations. 312 00:15:06,240 --> 00:15:09,440 Speaker 1: So yeah, I agree, I don't. I don't necessarily see 313 00:15:09,440 --> 00:15:11,600 Speaker 1: that a whole lot has changed, at least on our 314 00:15:11,600 --> 00:15:14,040 Speaker 1: side of the table. Emily Joel, Yeah, I don't know 315 00:15:14,080 --> 00:15:17,280 Speaker 1: if my views on money have necessarily changed. I agree 316 00:15:17,280 --> 00:15:19,320 Speaker 1: with Kayton Matt like I think we still kind of 317 00:15:19,440 --> 00:15:24,160 Speaker 1: hold the same disciplines and tried to spend wisely and 318 00:15:24,160 --> 00:15:31,640 Speaker 1: and frugally. As his fry return demonstrates, I would say 319 00:15:31,800 --> 00:15:34,880 Speaker 1: we probably spend differently now than we did the past year. 320 00:15:34,960 --> 00:15:37,600 Speaker 1: There's probably more money that goes out to just helping 321 00:15:37,640 --> 00:15:42,360 Speaker 1: our life run, just more kids activities and more you know, 322 00:15:42,520 --> 00:15:45,160 Speaker 1: we've done like things like Hello, fresh meal prep to 323 00:15:45,200 --> 00:15:48,840 Speaker 1: help with their busier lives, or horseback riding camp. Horseback 324 00:15:48,920 --> 00:15:51,440 Speaker 1: riding camp. Right, So those are things that we just 325 00:15:51,480 --> 00:15:53,680 Speaker 1: didn't have to consider when kids were younger, and we 326 00:15:53,720 --> 00:15:56,840 Speaker 1: have to consider them now. So it does look different. 327 00:15:56,880 --> 00:15:59,200 Speaker 1: I think we definitely spend more money than we did 328 00:15:59,280 --> 00:16:01,240 Speaker 1: when kids were younger, but I think we still hold 329 00:16:01,320 --> 00:16:04,800 Speaker 1: the same principles. It just gives you a different experience 330 00:16:04,840 --> 00:16:07,480 Speaker 1: with it. I agree. I think it's it's one of 331 00:16:07,520 --> 00:16:09,040 Speaker 1: those things where it's not like we've had some sort 332 00:16:09,040 --> 00:16:12,520 Speaker 1: of epiphany where and so many things have changed. We're like, no, 333 00:16:12,520 --> 00:16:15,080 Speaker 1: now we have a completely different view about how we 334 00:16:15,080 --> 00:16:16,680 Speaker 1: treat money. We still think of it as a tool 335 00:16:17,040 --> 00:16:19,120 Speaker 1: to accomplish the things that we care about the most 336 00:16:19,160 --> 00:16:22,160 Speaker 1: in life, and part of that is saving and investing 337 00:16:22,200 --> 00:16:23,960 Speaker 1: a good bit of what we make. But then part 338 00:16:24,000 --> 00:16:25,880 Speaker 1: of it is like, well, we're funneling money in different 339 00:16:25,880 --> 00:16:29,040 Speaker 1: directions because other things have become more important along the way, right, 340 00:16:29,080 --> 00:16:31,400 Speaker 1: and so like kids activities is one of those things. Yeah, 341 00:16:31,640 --> 00:16:33,960 Speaker 1: that we're spending more money on then, and there are 342 00:16:33,960 --> 00:16:36,360 Speaker 1: other ways in which we're spending less money, I think. So, 343 00:16:37,200 --> 00:16:39,840 Speaker 1: do you think there's any category that where where you 344 00:16:39,880 --> 00:16:43,320 Speaker 1: are spending less money than you did last summer? That's 345 00:16:43,360 --> 00:16:47,880 Speaker 1: a good question. Generally speaking, we're seeing that we're spending 346 00:16:47,920 --> 00:16:51,000 Speaker 1: about and present more on everything, right, But I'm curious 347 00:16:51,120 --> 00:16:53,240 Speaker 1: if you feel that there are some expenses that you've 348 00:16:53,280 --> 00:16:55,360 Speaker 1: cut from your life. I feel like I buy less 349 00:16:55,400 --> 00:17:02,840 Speaker 1: closed just because partly I went literally and in sweats 350 00:17:02,920 --> 00:17:05,240 Speaker 1: right now, so that is you know, I'm wearing a 351 00:17:07,080 --> 00:17:09,800 Speaker 1: US Well. I think one of the things we're spending 352 00:17:09,880 --> 00:17:11,680 Speaker 1: less money on. We used to spend more money on 353 00:17:11,680 --> 00:17:13,040 Speaker 1: on cars. We used to have two cars. We have 354 00:17:13,040 --> 00:17:14,760 Speaker 1: one car that's been I guess a couple a couple 355 00:17:14,800 --> 00:17:16,520 Speaker 1: of years now almost or one and a half years, 356 00:17:16,680 --> 00:17:19,320 Speaker 1: and that's been interesting. So it's nice to spend less money. 357 00:17:19,440 --> 00:17:22,159 Speaker 1: Were like, you know what, Yeah, it's it's fine to 358 00:17:22,200 --> 00:17:24,560 Speaker 1: have two cars, like but but for us, we think 359 00:17:24,560 --> 00:17:26,359 Speaker 1: we can get by with one, and it's nice to 360 00:17:26,400 --> 00:17:27,760 Speaker 1: be able to be like, all right, how can we 361 00:17:27,760 --> 00:17:29,959 Speaker 1: funnel that money into other stuff that matters more to us? 362 00:17:30,480 --> 00:17:32,280 Speaker 1: And and those are the kind of hard questions that 363 00:17:32,400 --> 00:17:33,880 Speaker 1: a lot of people don't ask and when we comes 364 00:17:33,920 --> 00:17:36,679 Speaker 1: to money, because we're often we're so often just following 365 00:17:36,680 --> 00:17:38,960 Speaker 1: the lead of the people around us. And if we 366 00:17:38,960 --> 00:17:40,959 Speaker 1: would stop to think about what actually matters to us, 367 00:17:41,760 --> 00:17:44,320 Speaker 1: many of us would actually realize, wait, I don't actually 368 00:17:44,320 --> 00:17:46,000 Speaker 1: care about new clothes, but I really want to take 369 00:17:46,000 --> 00:17:48,760 Speaker 1: that beach vacation next year with my family, and so um, 370 00:17:48,800 --> 00:17:51,080 Speaker 1: if I actually de prioritize this other thing, I can 371 00:17:51,240 --> 00:17:55,000 Speaker 1: prioritize this, this this other thing. And but most of us, 372 00:17:55,040 --> 00:17:57,040 Speaker 1: it's it's so hard. I get it, it's hard to 373 00:17:57,040 --> 00:17:59,080 Speaker 1: think about the trade offs in real time, but it's 374 00:17:59,080 --> 00:18:01,639 Speaker 1: so important because is formulating, yeah, your own view of 375 00:18:01,640 --> 00:18:03,879 Speaker 1: what matters and how you want your money to flow 376 00:18:03,920 --> 00:18:08,040 Speaker 1: into um and to be able to reflect what matters 377 00:18:08,080 --> 00:18:10,400 Speaker 1: to you the most. I think it's important, it's true, 378 00:18:10,400 --> 00:18:12,800 Speaker 1: and you can't do that without space. And I think 379 00:18:12,800 --> 00:18:16,320 Speaker 1: that that's what people aren't not asking those questions because 380 00:18:17,160 --> 00:18:19,919 Speaker 1: they don't agree with those questions. It's just taking a 381 00:18:20,000 --> 00:18:22,920 Speaker 1: step back far enough to ask those questions and think 382 00:18:22,920 --> 00:18:24,960 Speaker 1: about them. Well. Is something that a lot of people 383 00:18:25,040 --> 00:18:28,600 Speaker 1: don't have capacity for right now. I agree it takes, 384 00:18:28,640 --> 00:18:30,720 Speaker 1: but I'm glad that you guys do this podcast and 385 00:18:30,760 --> 00:18:32,960 Speaker 1: that helps people step back and ask those questions. I 386 00:18:32,960 --> 00:18:35,320 Speaker 1: think it's really important. And there are people that make 387 00:18:35,400 --> 00:18:40,880 Speaker 1: enough money to do things that facilitate a different lifestyle 388 00:18:40,880 --> 00:18:42,879 Speaker 1: and a different outcome. Like we we saw what that 389 00:18:42,880 --> 00:18:46,200 Speaker 1: Bloomberg article about a month ago or something about people 390 00:18:46,240 --> 00:18:48,119 Speaker 1: who make two and or fifty thousand dollars and how 391 00:18:48,119 --> 00:18:50,480 Speaker 1: they're living paycheck check. So there's still people being a 392 00:18:50,560 --> 00:18:53,080 Speaker 1: quarter million dollars a year. It's the same patterns, just 393 00:18:53,200 --> 00:18:56,640 Speaker 1: the same stuff folks fall into. Exactly. Income doesn't necessarily 394 00:18:56,680 --> 00:18:58,960 Speaker 1: fix and it's not that income doesn't make a big difference. 395 00:18:59,000 --> 00:19:01,840 Speaker 1: It certainly does. But there is a reality in this 396 00:19:01,880 --> 00:19:04,240 Speaker 1: country that people no matter what their income is. A 397 00:19:04,320 --> 00:19:06,399 Speaker 1: lot of people are still living paycheck to paycheck and 398 00:19:06,440 --> 00:19:09,160 Speaker 1: they're still dissatisfied at the end of the day with 399 00:19:09,680 --> 00:19:12,920 Speaker 1: you know, their dollars to happiness ratio. All right, let's 400 00:19:12,960 --> 00:19:15,440 Speaker 1: hit taple one quick question before we hit the break 401 00:19:15,560 --> 00:19:18,480 Speaker 1: and uh, let's this one is Tyler by the way, 402 00:19:18,520 --> 00:19:20,200 Speaker 1: he says that this episode is the best one of 403 00:19:20,200 --> 00:19:23,960 Speaker 1: the year. By the way, so he prefers less, more 404 00:19:23,960 --> 00:19:26,560 Speaker 1: Emily and Kate with more ladies in the house. He's understandable, 405 00:19:26,840 --> 00:19:30,160 Speaker 1: and so yeah, he he asked about the spousal support dynamic. 406 00:19:30,200 --> 00:19:33,240 Speaker 1: He was wondering, how's that changed from when we started 407 00:19:33,280 --> 00:19:36,640 Speaker 1: Poor Not Poor five years ago as a hobby doing 408 00:19:36,680 --> 00:19:38,920 Speaker 1: it at Matt's dining room table to now how the 409 00:19:39,000 --> 00:19:41,680 Speaker 1: money as a full time gig? Um, How do you 410 00:19:41,720 --> 00:19:44,520 Speaker 1: guys like think about our work differently or yeah, you're 411 00:19:44,560 --> 00:19:47,040 Speaker 1: rolling it? Um. I think our experience is a little 412 00:19:47,200 --> 00:19:50,880 Speaker 1: different because we did spend ten years building a business 413 00:19:50,920 --> 00:19:53,280 Speaker 1: before Poor Not Poor started, and so I think we've 414 00:19:53,320 --> 00:19:56,359 Speaker 1: had we've had the experience where you start the business 415 00:19:56,359 --> 00:19:58,480 Speaker 1: and you throw your entire self into it, and your 416 00:19:58,520 --> 00:20:01,199 Speaker 1: identity goes into it and everything is wrapped up in 417 00:20:01,240 --> 00:20:03,879 Speaker 1: your family life and your business together. And so I 418 00:20:03,920 --> 00:20:08,119 Speaker 1: think starting Poor not Poor, we knew, if nothing else, 419 00:20:08,200 --> 00:20:10,640 Speaker 1: that we didn't want it to look like what photography 420 00:20:10,680 --> 00:20:14,760 Speaker 1: looked like for us. So my role with Poor not 421 00:20:14,840 --> 00:20:17,919 Speaker 1: Poor has basically been to stay out of it and 422 00:20:17,960 --> 00:20:21,479 Speaker 1: hold our family boundaries that we've agreed to to ground 423 00:20:21,600 --> 00:20:25,960 Speaker 1: us in our like the personal because starting a business 424 00:20:26,320 --> 00:20:29,199 Speaker 1: where you give everything that you are to it is 425 00:20:29,240 --> 00:20:33,119 Speaker 1: not sustainable and um we learned that the hard way 426 00:20:33,320 --> 00:20:35,760 Speaker 1: and we didn't want to do that again. So in 427 00:20:35,880 --> 00:20:39,280 Speaker 1: order for how the money to happen, we have to 428 00:20:39,320 --> 00:20:43,960 Speaker 1: have a healthy balance between us um and business time 429 00:20:44,040 --> 00:20:46,640 Speaker 1: to home time has to be balanced. Even though we're 430 00:20:46,640 --> 00:20:49,199 Speaker 1: sitting here on vocation recording an episode, this is not 431 00:20:49,280 --> 00:20:51,200 Speaker 1: a great example of what I'm talking about. How it 432 00:20:51,240 --> 00:20:53,080 Speaker 1: will be clear? Well, tell me that, well, this this 433 00:20:53,160 --> 00:20:55,200 Speaker 1: is to me, this is a fun thing to write. 434 00:20:55,200 --> 00:20:57,080 Speaker 1: Even though this is technically work. It's it's also just 435 00:20:57,080 --> 00:20:58,760 Speaker 1: fun to kind of catch up on this stuff and 436 00:20:58,960 --> 00:21:00,840 Speaker 1: to be able to talk about these listener questions. But 437 00:21:01,560 --> 00:21:04,040 Speaker 1: tell me, I wonder if it's actually easier in some 438 00:21:04,040 --> 00:21:05,800 Speaker 1: ways because when it was a hobby, it was one 439 00:21:05,840 --> 00:21:07,439 Speaker 1: of those things where it was like, why are they 440 00:21:07,440 --> 00:21:11,879 Speaker 1: staying up till midnight like every Wednesday recording a couple 441 00:21:11,920 --> 00:21:13,800 Speaker 1: of episodes in one sitting at time. When we were 442 00:21:13,840 --> 00:21:15,520 Speaker 1: doing that, that was the worst. Like we both had 443 00:21:15,560 --> 00:21:17,760 Speaker 1: full times, we put the kids down, you would come over, 444 00:21:17,840 --> 00:21:21,840 Speaker 1: we would record from like nine thirty twelve sometimes and 445 00:21:21,880 --> 00:21:25,600 Speaker 1: it feels like just this hobby that these dummies are attempting, 446 00:21:25,880 --> 00:21:27,879 Speaker 1: and come on, everybody wants to be a podcaster, am 447 00:21:27,880 --> 00:21:30,920 Speaker 1: I right? So yeah, like now that it's a full 448 00:21:30,960 --> 00:21:33,280 Speaker 1: time gig and it's kind of the nine to five 449 00:21:33,359 --> 00:21:35,720 Speaker 1: or whatever, does that make it almost like a little 450 00:21:35,720 --> 00:21:39,920 Speaker 1: bit easier to to It's got to justify. I think 451 00:21:39,920 --> 00:21:42,440 Speaker 1: it makes it's so much easier. I mean, like Kate said, 452 00:21:42,240 --> 00:21:45,199 Speaker 1: you guys were both just working so much, not just 453 00:21:45,240 --> 00:21:47,400 Speaker 1: for the podcast, but with your day jobs and then 454 00:21:48,000 --> 00:21:50,600 Speaker 1: rental properties and just then all the other things that 455 00:21:51,080 --> 00:21:54,040 Speaker 1: take your time. We were just trying to hold everything 456 00:21:54,080 --> 00:22:00,239 Speaker 1: else afloat. So it is much easier now because this 457 00:22:00,320 --> 00:22:02,840 Speaker 1: is mostly what you do. I mean, there's still side things, 458 00:22:02,880 --> 00:22:04,760 Speaker 1: but it's not a hobby. It's actually like a living 459 00:22:04,880 --> 00:22:07,240 Speaker 1: So yeah, I think the support is much easier to 460 00:22:07,280 --> 00:22:10,359 Speaker 1: give now. Makes Yeah, it makes a lot of we 461 00:22:10,359 --> 00:22:12,560 Speaker 1: appreciate your support for yes, absolutely, I will say I 462 00:22:12,560 --> 00:22:15,240 Speaker 1: would have to present feel supported, right, I mean honestly, 463 00:22:15,280 --> 00:22:18,280 Speaker 1: even back when you mentioned when we started the photography company, 464 00:22:18,520 --> 00:22:20,959 Speaker 1: even back then that was something we both did, but 465 00:22:21,160 --> 00:22:24,520 Speaker 1: I it was definitely more of my thing. You were there, 466 00:22:24,560 --> 00:22:27,240 Speaker 1: you participated, you shot, you took care of any additional 467 00:22:27,280 --> 00:22:30,560 Speaker 1: slack that there was, and so I felt supported then 468 00:22:30,680 --> 00:22:32,720 Speaker 1: as I do now. So thank you very much, Kate. 469 00:22:33,480 --> 00:22:35,600 Speaker 1: But we're not gonna get too mushy here. We've got 470 00:22:35,640 --> 00:22:39,119 Speaker 1: a lot of great man woman a greater woman, that's true. 471 00:22:39,200 --> 00:22:41,520 Speaker 1: We're gonna do more questions. We'll get to all those 472 00:22:41,640 --> 00:22:52,480 Speaker 1: right after this break. Alright, we're back from the break. 473 00:22:52,560 --> 00:22:55,440 Speaker 1: Let's take some more questions from listeners in Facebook. Who 474 00:22:55,480 --> 00:22:58,560 Speaker 1: who posted? And uh, there was just one just kind 475 00:22:58,600 --> 00:23:00,440 Speaker 1: of off the wall, goofy one that I figured we 476 00:23:00,480 --> 00:23:03,400 Speaker 1: should address. So Chance wants to know how you feel 477 00:23:03,400 --> 00:23:06,520 Speaker 1: about cheese? Wiz yere your name. I feel like this 478 00:23:06,600 --> 00:23:08,840 Speaker 1: is a trick question, like is it like a personality 479 00:23:09,040 --> 00:23:10,560 Speaker 1: like do you pass the test if you like it 480 00:23:10,640 --> 00:23:19,760 Speaker 1: or don't like it? Psychoanalyze cheese with what do we cheese? Cheese? 481 00:23:19,760 --> 00:23:21,320 Speaker 1: And a can? Right? Like like you just pushed the 482 00:23:21,320 --> 00:23:24,159 Speaker 1: tip and it shoots out like a string of cheese whatever. Yeah, okay, 483 00:23:24,240 --> 00:23:26,439 Speaker 1: no I'm not I'm not really about it personally, but 484 00:23:26,720 --> 00:23:29,200 Speaker 1: yeahs are on ladies. What do you think? Yeah, that's 485 00:23:29,200 --> 00:23:32,000 Speaker 1: a hard pass for me. I have no experience with 486 00:23:32,080 --> 00:23:35,120 Speaker 1: cheese as a kid, we definitely ate cheese whiz. Definitely, 487 00:23:39,520 --> 00:23:41,439 Speaker 1: that sounds very august. I didn't even know that was 488 00:23:41,480 --> 00:23:45,600 Speaker 1: a thing. I always stuck it on crackers. I was 489 00:23:45,600 --> 00:23:47,359 Speaker 1: just gonna talk about how when the end of it 490 00:23:47,760 --> 00:23:50,320 Speaker 1: hardens and you got that but you know, I'm talking 491 00:23:50,320 --> 00:23:54,040 Speaker 1: about like that stick of but oh yeah, you'd have 492 00:23:54,040 --> 00:23:56,800 Speaker 1: to always shoot that off on the side. It's like 493 00:23:56,840 --> 00:24:02,439 Speaker 1: a dried noodle or something like. You don't know. I 494 00:24:02,480 --> 00:24:04,160 Speaker 1: do like whipped cream that comes out of a can 495 00:24:04,280 --> 00:24:10,560 Speaker 1: sometimes into that. That's cool different. Sorry, Chance, Sorry. I 496 00:24:10,560 --> 00:24:12,040 Speaker 1: don't know if he works for cheese with or just 497 00:24:12,119 --> 00:24:15,000 Speaker 1: really into it, but I think we totally think. I 498 00:24:15,000 --> 00:24:17,000 Speaker 1: gotta avoid it these days. I'm sure it would give 499 00:24:17,000 --> 00:24:19,639 Speaker 1: me a migraine. Well, speaking of food, Amanda wants to 500 00:24:19,680 --> 00:24:21,960 Speaker 1: know about per meal costs and if they've gone up 501 00:24:22,400 --> 00:24:25,000 Speaker 1: and just she wants to know maybe some grocery savings 502 00:24:25,000 --> 00:24:27,800 Speaker 1: tips beyond the basics of just shop at all these 503 00:24:28,480 --> 00:24:30,520 Speaker 1: which is what we say a lot of the time. 504 00:24:30,560 --> 00:24:33,680 Speaker 1: I don't know. Obviously, inflation has hit the grocery store, so, 505 00:24:33,920 --> 00:24:36,919 Speaker 1: uh do you do, ladies feel like it's making a 506 00:24:36,920 --> 00:24:39,879 Speaker 1: big difference in you know, the permere cost. Matt is 507 00:24:40,240 --> 00:24:44,200 Speaker 1: famous for his one dollar per person per meal, uh 508 00:24:44,320 --> 00:24:47,879 Speaker 1: cost for for everyone in your family. Made famous only 509 00:24:47,960 --> 00:24:50,080 Speaker 1: because this is what Kate was able to right, Yeah, 510 00:24:50,160 --> 00:24:54,880 Speaker 1: so how's that going? Don't cost a dollar anymore. It's 511 00:24:54,920 --> 00:24:57,959 Speaker 1: definitely more expensive because of inflation, but also because we 512 00:24:58,040 --> 00:25:02,720 Speaker 1: have made some conscious choices to purchase a little bit 513 00:25:02,840 --> 00:25:07,040 Speaker 1: higher quality ingredients, and so that it has gone up 514 00:25:07,040 --> 00:25:09,720 Speaker 1: for us for sure, buying more organic stuff, right, Yeah, Yeah, 515 00:25:09,720 --> 00:25:11,920 Speaker 1: we talked about I don't know if I told you 516 00:25:11,960 --> 00:25:13,399 Speaker 1: that we talked about this on the show, but at 517 00:25:13,400 --> 00:25:15,359 Speaker 1: the beginning of the year, it was a discussion that 518 00:25:15,400 --> 00:25:18,920 Speaker 1: you and I had, Yeah, at our annual budget exactly. Yeah, 519 00:25:18,920 --> 00:25:21,119 Speaker 1: and we'll actually talk the summit that sounds more and more. 520 00:25:21,600 --> 00:25:23,359 Speaker 1: We'll talk more about that later on here too, But 521 00:25:23,480 --> 00:25:26,280 Speaker 1: we decided to start spending a little bit more on 522 00:25:26,320 --> 00:25:28,680 Speaker 1: the quality of ingredients and just the type of ingredients 523 00:25:28,720 --> 00:25:32,280 Speaker 1: we realized that protein was something that we wanted to 524 00:25:32,320 --> 00:25:35,200 Speaker 1: start to splurge on a little bit more. So, for instance, 525 00:25:35,240 --> 00:25:38,280 Speaker 1: we have salmon like a few times a month now, 526 00:25:38,320 --> 00:25:40,560 Speaker 1: when before that was something like maybe we would have 527 00:25:40,800 --> 00:25:43,160 Speaker 1: like on Mother's Day or something. Yeah, like once a quarter. 528 00:25:43,560 --> 00:25:45,560 Speaker 1: That's what I was gonna say. Yeah, And I think 529 00:25:45,600 --> 00:25:48,080 Speaker 1: when it comes to saving money at the grocery store, 530 00:25:48,960 --> 00:25:51,880 Speaker 1: any grocery store you go to, the the best way 531 00:25:51,960 --> 00:25:55,159 Speaker 1: that you can save money and eat well is to 532 00:25:55,240 --> 00:26:00,880 Speaker 1: buy whole foods used right, So when a company has 533 00:26:00,920 --> 00:26:03,720 Speaker 1: to process the food, they you know, the nutrition, the 534 00:26:03,800 --> 00:26:07,520 Speaker 1: nutritional value goes down, but also the cost goes up. 535 00:26:07,640 --> 00:26:11,200 Speaker 1: This is good stuff because those companies are spending time 536 00:26:11,240 --> 00:26:13,480 Speaker 1: and money processing it. And the more that they do that, 537 00:26:13,760 --> 00:26:17,280 Speaker 1: the lower nutrient and the higher cost. And so you 538 00:26:17,359 --> 00:26:20,200 Speaker 1: just don't want to buy very many things that have 539 00:26:20,600 --> 00:26:24,280 Speaker 1: low nutrients in high cost, which is basically anything prepackaged anything. 540 00:26:25,680 --> 00:26:27,840 Speaker 1: I don't want to be like so on the nose. 541 00:26:27,920 --> 00:26:32,680 Speaker 1: But yes, kids at the top of that list. So 542 00:26:32,800 --> 00:26:35,080 Speaker 1: you know, checking the number of ingredients in what you're buying. 543 00:26:35,160 --> 00:26:37,720 Speaker 1: If there are a bunch of ingredients in it, especially 544 00:26:37,840 --> 00:26:40,800 Speaker 1: ingredients that you don't recognize, you're likely going to pay 545 00:26:40,800 --> 00:26:44,199 Speaker 1: too much for that product. Red fourteen, yellow six, you 546 00:26:44,200 --> 00:26:46,760 Speaker 1: know those things. I don't even know what those are, 547 00:26:46,840 --> 00:26:52,760 Speaker 1: but they're delicious. Just I would say that for me. 548 00:26:52,840 --> 00:26:54,760 Speaker 1: What helps us just remember not every meal is a 549 00:26:54,800 --> 00:26:57,040 Speaker 1: home run. Like a lot of times we're just cleaning 550 00:26:57,040 --> 00:27:00,800 Speaker 1: out leftovers, which nobody gets excited about or except for 551 00:27:00,960 --> 00:27:07,040 Speaker 1: this guy. Yes, unfortunately, my family does not love leftover, 552 00:27:07,160 --> 00:27:09,200 Speaker 1: but sometimes that's what we just gotta eat. And sometimes 553 00:27:09,200 --> 00:27:11,840 Speaker 1: you're just cleaning out the fridge and you're just making 554 00:27:13,040 --> 00:27:15,800 Speaker 1: sure what is in there gets eaten, even though maybe 555 00:27:15,800 --> 00:27:18,080 Speaker 1: no one's excited when they come to the table, but 556 00:27:18,119 --> 00:27:20,760 Speaker 1: it's not good or nutritious. It's just maybe not everyone's favorite. 557 00:27:20,760 --> 00:27:22,640 Speaker 1: And sometimes you just have to cook like that just 558 00:27:23,040 --> 00:27:24,919 Speaker 1: to clean it out. Sometimes you just gotta drop your 559 00:27:24,960 --> 00:27:28,120 Speaker 1: leftovers off on ma Sport. You know she's actually done 560 00:27:28,119 --> 00:27:32,080 Speaker 1: that before, honestly, Actually, yes, I have many times. And 561 00:27:32,119 --> 00:27:35,000 Speaker 1: we also have other neighbors who know how you're not 562 00:27:35,080 --> 00:27:37,919 Speaker 1: the only neighbor who brings leftover. Specifically thinking about the 563 00:27:37,920 --> 00:27:40,679 Speaker 1: smoke turkey carcass that we got after thinking, remember that 564 00:27:41,359 --> 00:27:44,120 Speaker 1: turkey carcass at our house? Yes, that Kate would pick 565 00:27:44,160 --> 00:27:46,520 Speaker 1: off the tiny little morsels of meat, but she would 566 00:27:46,520 --> 00:27:50,080 Speaker 1: also boil them bones makes an amazing stock. Uh. Next 567 00:27:50,160 --> 00:27:52,800 Speaker 1: question comes from Summer. That's one has to do with regrets. 568 00:27:52,840 --> 00:27:55,600 Speaker 1: She asks, what is one financial decision that we made 569 00:27:55,600 --> 00:27:59,120 Speaker 1: prior to marriage that we aren't proud of? Uh? So 570 00:27:59,359 --> 00:28:01,560 Speaker 1: I'm gonna this one over to y'all. Do y'all have 571 00:28:01,600 --> 00:28:05,160 Speaker 1: any regrets that you may have made in the financial realm? 572 00:28:05,680 --> 00:28:09,200 Speaker 1: Regrets is a strong word. I also did not make 573 00:28:09,280 --> 00:28:12,760 Speaker 1: hardly any money at all, so it's not like I 574 00:28:12,800 --> 00:28:16,120 Speaker 1: had a lot of money to make any bad decisions with. 575 00:28:16,240 --> 00:28:19,119 Speaker 1: I truly was just trying to eat and pay some 576 00:28:19,160 --> 00:28:23,040 Speaker 1: bills you never acquired, like a slew of coach handbags 577 00:28:23,080 --> 00:28:27,639 Speaker 1: or anything. Literally, I qualified for food snaps in my 578 00:28:27,640 --> 00:28:30,080 Speaker 1: first job, so it made very little. I do know 579 00:28:30,119 --> 00:28:32,080 Speaker 1: that I came. I think we've talked about this before, 580 00:28:32,119 --> 00:28:33,919 Speaker 1: but when we got married, I had three hundred dollars 581 00:28:34,000 --> 00:28:35,919 Speaker 1: in credit card debt that I just like could not 582 00:28:36,040 --> 00:28:39,200 Speaker 1: pay off no matter how hard I tried to save 583 00:28:39,320 --> 00:28:42,320 Speaker 1: or whatnot, I just couldn't get that balanced down. So 584 00:28:42,360 --> 00:28:44,680 Speaker 1: I was really nervous about that when we got married, 585 00:28:44,720 --> 00:28:46,640 Speaker 1: to be like, oh this is and I can't really 586 00:28:46,680 --> 00:28:48,320 Speaker 1: tell you where it's just three hundred dollars. I just 587 00:28:48,360 --> 00:28:50,000 Speaker 1: I'm trying to make ends meet. But here it is, 588 00:28:50,720 --> 00:28:55,400 Speaker 1: it's like this wound. Yeah, like I just cannot well, okay, 589 00:28:55,400 --> 00:28:57,640 Speaker 1: I mean, do you have any regrets before? I don't. 590 00:28:57,760 --> 00:28:59,920 Speaker 1: I don't really. I mean the reality as I went 591 00:29:00,000 --> 00:29:02,560 Speaker 1: straight from college to marriage, didn't needn't have like a 592 00:29:02,600 --> 00:29:06,600 Speaker 1: decade of reckless twenties where you're overspending or we did 593 00:29:06,640 --> 00:29:12,680 Speaker 1: that together, a decade of making very little and not. Yeah, 594 00:29:12,720 --> 00:29:14,360 Speaker 1: I mean, I guess this question is more directed to 595 00:29:14,560 --> 00:29:17,160 Speaker 1: you as ladies, but I can't. Honestly, there are very 596 00:29:17,160 --> 00:29:20,320 Speaker 1: few decisions that we made where I look back on 597 00:29:20,480 --> 00:29:23,320 Speaker 1: and have any sense of regret, because early on when 598 00:29:23,320 --> 00:29:26,560 Speaker 1: we started our relationship, we did get financially naked. And 599 00:29:26,600 --> 00:29:27,840 Speaker 1: since we don't have anything more to say to this, 600 00:29:27,920 --> 00:29:33,160 Speaker 1: let's move on as sorry I ruined it. Yes, so 601 00:29:33,280 --> 00:29:36,360 Speaker 1: we'll get to making this in just a second. But uh, 602 00:29:37,160 --> 00:29:39,040 Speaker 1: I'm just thinking that the only regret I have from 603 00:29:39,040 --> 00:29:43,160 Speaker 1: those early years was maybe I pursued a specific profession 604 00:29:43,560 --> 00:29:46,280 Speaker 1: that I cared about and wanted to do, even though 605 00:29:46,280 --> 00:29:48,240 Speaker 1: I knew that the pay was going to be minimal. 606 00:29:48,440 --> 00:29:49,719 Speaker 1: And I think that was a good thing. I'm not 607 00:29:49,920 --> 00:29:51,560 Speaker 1: upset about that, but I think I could have been 608 00:29:51,560 --> 00:29:54,360 Speaker 1: a better negotiator and I could have negotiated for more 609 00:29:54,360 --> 00:29:56,560 Speaker 1: pay earlier on in my career, because you're reading that 610 00:29:56,600 --> 00:29:58,960 Speaker 1: negotiation book right right, So it's just and I'm like, 611 00:29:58,960 --> 00:30:00,480 Speaker 1: oh my goodness, I totally could have used some of 612 00:30:00,520 --> 00:30:02,440 Speaker 1: these tactics. And it's not one of those things that 613 00:30:02,440 --> 00:30:03,680 Speaker 1: you don't have to be a jerk, you don't have 614 00:30:03,720 --> 00:30:05,240 Speaker 1: to be come out of but there is a way 615 00:30:05,640 --> 00:30:08,440 Speaker 1: to say, like, I want this job and this and 616 00:30:08,440 --> 00:30:09,959 Speaker 1: I'm going to be awesome at it for you. I'm 617 00:30:09,960 --> 00:30:12,320 Speaker 1: gonna work my butt off, but I can't. I can't 618 00:30:12,360 --> 00:30:14,200 Speaker 1: make it on fifteen bucks an hour. Um. And And 619 00:30:14,240 --> 00:30:17,320 Speaker 1: so there were times I could have pushed for raises earlier, 620 00:30:17,760 --> 00:30:20,160 Speaker 1: UM put pushed to make more and I think I 621 00:30:20,160 --> 00:30:23,280 Speaker 1: would have been able to get it. Financially related regret, yeah, 622 00:30:23,280 --> 00:30:25,520 Speaker 1: I think I was too scared to push the envelope 623 00:30:25,520 --> 00:30:28,960 Speaker 1: on that. And so hopefully our listeners are learning from 624 00:30:29,000 --> 00:30:31,560 Speaker 1: those mistakes and and they are able to negotiate for 625 00:30:31,560 --> 00:30:34,960 Speaker 1: more pay because I think there is more ability um 626 00:30:35,080 --> 00:30:38,800 Speaker 1: for people to push more pay, especially in today's job environment. Totally. Yeah, 627 00:30:38,840 --> 00:30:42,440 Speaker 1: totally agreement. All right. So, uh, speaking of financially naked, 628 00:30:42,520 --> 00:30:44,880 Speaker 1: Janey asked about what stage of the relationship we started 629 00:30:44,920 --> 00:30:48,920 Speaker 1: to discuss financial specifics. You know, Emily, I think you 630 00:30:48,960 --> 00:30:50,920 Speaker 1: and I we talked about that in premarital counseling, but 631 00:30:51,280 --> 00:30:53,480 Speaker 1: I think because of my job working in money, media 632 00:30:53,600 --> 00:30:55,560 Speaker 1: was something that was probably coming up quite a bit. Anyway, 633 00:30:55,560 --> 00:30:58,560 Speaker 1: I'm sure on the first date you talked about money 634 00:30:58,600 --> 00:31:01,320 Speaker 1: and why you do what you do, it was alright, 635 00:31:01,320 --> 00:31:05,120 Speaker 1: a neon sign credit card debt. I mean, yeah, I 636 00:31:05,160 --> 00:31:07,440 Speaker 1: was looking at transition to that because when did you 637 00:31:07,480 --> 00:31:10,160 Speaker 1: and Joel have that conversation. When did you talk about 638 00:31:10,160 --> 00:31:11,920 Speaker 1: that credit card debt that you had? When did you 639 00:31:12,400 --> 00:31:15,200 Speaker 1: talk about it more than just something that you casually referenced, 640 00:31:15,240 --> 00:31:16,560 Speaker 1: And when did you all start talking about it in 641 00:31:16,600 --> 00:31:18,240 Speaker 1: a serious way where you were trying to make some 642 00:31:18,320 --> 00:31:21,960 Speaker 1: headway on it. Yeah? Well, I think you always knew 643 00:31:21,960 --> 00:31:24,800 Speaker 1: the whole time what I made and that are if 644 00:31:24,840 --> 00:31:27,560 Speaker 1: not an exact number, that it wasn't a large amount. 645 00:31:28,000 --> 00:31:29,800 Speaker 1: You're working for a nonprofit and you were early on 646 00:31:29,840 --> 00:31:31,880 Speaker 1: in your career, and that that was like you probably 647 00:31:31,880 --> 00:31:34,000 Speaker 1: weren't bringing in the bank, right, right, So you knew that. 648 00:31:34,080 --> 00:31:36,800 Speaker 1: I think maybe when we got engaged I told you 649 00:31:36,840 --> 00:31:40,360 Speaker 1: about it, or maybe even a little bit before when 650 00:31:40,440 --> 00:31:43,200 Speaker 1: we knew, hey, we're going to be combining finances, we 651 00:31:43,320 --> 00:31:45,960 Speaker 1: probably got into the details of like I have this 652 00:31:46,080 --> 00:31:49,120 Speaker 1: in student loans, I have this, and monthly expenses, I 653 00:31:49,120 --> 00:31:52,000 Speaker 1: have this three I can't I can't get rid of. 654 00:31:52,040 --> 00:31:53,400 Speaker 1: And that was probably when we were engaged, when we 655 00:31:53,400 --> 00:31:56,000 Speaker 1: started combining it. But I feel like talking about money 656 00:31:56,480 --> 00:32:01,560 Speaker 1: was pretty commonplace from the again, from the get go, right, Yeah, 657 00:32:01,640 --> 00:32:03,120 Speaker 1: it was a slow build, right, It was like, hey, 658 00:32:03,160 --> 00:32:04,840 Speaker 1: here's what I do, here's why I do it, Here's 659 00:32:04,840 --> 00:32:06,200 Speaker 1: why I care about it. And I wanted to hear 660 00:32:06,280 --> 00:32:08,240 Speaker 1: kind of about your thoughts about money, so I would 661 00:32:08,320 --> 00:32:10,000 Speaker 1: want to know if we were compatible on that front. 662 00:32:10,320 --> 00:32:12,000 Speaker 1: And we just kind of grew and talk more about 663 00:32:12,040 --> 00:32:14,480 Speaker 1: it and um, and then I think primarial counseling cause 664 00:32:14,560 --> 00:32:17,000 Speaker 1: us to ask some really good questions about how we 665 00:32:17,000 --> 00:32:18,880 Speaker 1: think about money and why we think about it, and 666 00:32:18,920 --> 00:32:21,840 Speaker 1: that opened up maybe some more some deeper questions, um, 667 00:32:21,880 --> 00:32:24,760 Speaker 1: and some deeper combos and some of it's just subtle, right, 668 00:32:24,800 --> 00:32:27,000 Speaker 1: Like I know you're pretty tight on money, but like 669 00:32:27,040 --> 00:32:29,000 Speaker 1: I'm watching, are you willing to spend money on me? 670 00:32:29,040 --> 00:32:31,680 Speaker 1: Are you willing to be generous? And you are subtily 671 00:32:31,680 --> 00:32:33,800 Speaker 1: watching like I know it don't make a lot of money, 672 00:32:33,800 --> 00:32:35,760 Speaker 1: but do I make wise decisions when it is time 673 00:32:35,800 --> 00:32:37,840 Speaker 1: to purchase something? I think there's a lot of things 674 00:32:37,920 --> 00:32:41,720 Speaker 1: you just observe as well. That's not necessarily explicit conversation. 675 00:32:41,720 --> 00:32:44,680 Speaker 1: It's a great point. Yeah, you can see by the actions, um, 676 00:32:44,680 --> 00:32:49,640 Speaker 1: whether someone actually values a dollar and whether they're they're 677 00:32:49,640 --> 00:32:51,880 Speaker 1: thoughtful about their spending or not. And so it wasn't 678 00:32:51,880 --> 00:32:53,400 Speaker 1: like I had to needle you with questions. I could 679 00:32:53,400 --> 00:32:55,680 Speaker 1: watch your behavior and figure out how you felt and 680 00:32:55,720 --> 00:32:59,240 Speaker 1: whether we had similar values. Nice Kate, did you remember 681 00:32:59,360 --> 00:33:01,160 Speaker 1: a conversation or do you do? You feel that it 682 00:33:01,200 --> 00:33:03,800 Speaker 1: was more subtle as we continued to date, as we 683 00:33:03,840 --> 00:33:07,000 Speaker 1: got engaged and married. Um, I think for us, the 684 00:33:07,080 --> 00:33:11,160 Speaker 1: conversations started more about like what we want to do, 685 00:33:11,640 --> 00:33:14,520 Speaker 1: who we want to be, And I think that's how 686 00:33:14,560 --> 00:33:17,240 Speaker 1: we started talking about money, was more talking about goals 687 00:33:17,280 --> 00:33:20,840 Speaker 1: that we had. I mean really early on, it was 688 00:33:20,920 --> 00:33:23,000 Speaker 1: before we started dating that we talked about how we 689 00:33:23,040 --> 00:33:28,920 Speaker 1: wanted to own our own business businesses. Separately, we talked 690 00:33:28,920 --> 00:33:31,160 Speaker 1: about it really early on that that was a goal 691 00:33:31,200 --> 00:33:33,360 Speaker 1: that we had. We wanted to have the flexibility of 692 00:33:33,360 --> 00:33:36,280 Speaker 1: working for ourselves. Yeah, I remember the first U r 693 00:33:36,440 --> 00:33:38,320 Speaker 1: L we bought was it was going to be like 694 00:33:38,320 --> 00:33:42,040 Speaker 1: this landing page for our multiple projects that we actually 695 00:33:42,280 --> 00:33:44,560 Speaker 1: still use. That is the hosting that how the money 696 00:33:44,560 --> 00:33:49,000 Speaker 1: dot com all night. But yeah, yeah, I think our 697 00:33:49,720 --> 00:33:54,440 Speaker 1: financial conversations were borne out of goal conversations. I do remember. 698 00:33:54,800 --> 00:33:59,280 Speaker 1: So before we got married, during premier counseling, I realized 699 00:33:59,400 --> 00:34:02,520 Speaker 1: we did not talk about money at all within uh 700 00:34:02,560 --> 00:34:04,720 Speaker 1: some of those sessions. And so that's when we went 701 00:34:04,760 --> 00:34:09,360 Speaker 1: to that that live money makeover events. We went to 702 00:34:09,400 --> 00:34:11,319 Speaker 1: a Dave Ramesy event. We sure did. Did you bring 703 00:34:11,360 --> 00:34:12,880 Speaker 1: a pair of giant scissors to cut up your credicle? 704 00:34:16,200 --> 00:34:19,360 Speaker 1: Back then, like I was still into credit card rewards 705 00:34:19,400 --> 00:34:21,920 Speaker 1: and getting that cash back, and so for us, it 706 00:34:22,000 --> 00:34:24,839 Speaker 1: was just a way for like, there wasn't a whole 707 00:34:24,880 --> 00:34:27,000 Speaker 1: lot of observing that we could do, and and there 708 00:34:27,080 --> 00:34:29,680 Speaker 1: wasn't and you were still in school, uh, and we're 709 00:34:29,719 --> 00:34:32,200 Speaker 1: dating long distance dating. Emily and I were a little 710 00:34:32,200 --> 00:34:34,520 Speaker 1: bit older when we so we were got married twenty six, 711 00:34:34,520 --> 00:34:38,319 Speaker 1: so we started dating. We were some of the professional life. 712 00:34:38,400 --> 00:34:40,319 Speaker 1: Yeah under your belt. Yeah, whereas k I mean you 713 00:34:40,360 --> 00:34:42,640 Speaker 1: were straight out of school and so I mean you 714 00:34:42,640 --> 00:34:46,759 Speaker 1: went from making no money living off of scholarships and 715 00:34:46,800 --> 00:34:49,760 Speaker 1: funds that your folks had set aside to now you're 716 00:34:49,800 --> 00:34:53,120 Speaker 1: working with me, right. I think I showed up to 717 00:34:53,200 --> 00:34:56,600 Speaker 1: our marriage with four hundred dollars to my name. Yeah, 718 00:34:56,600 --> 00:34:58,360 Speaker 1: we didn't have I think I think I just handed 719 00:34:58,400 --> 00:35:00,440 Speaker 1: that over and you just added my name to everything. 720 00:35:00,600 --> 00:35:03,160 Speaker 1: There was never any conversation about like your money and 721 00:35:03,160 --> 00:35:04,919 Speaker 1: my money. It was clear that I had no money. 722 00:35:05,000 --> 00:35:07,120 Speaker 1: I think that's a good point because so much of 723 00:35:07,239 --> 00:35:09,840 Speaker 1: what we talk about when we're talking about combining money 724 00:35:09,960 --> 00:35:14,359 Speaker 1: as couples, there's there's a lot of pushback against that 725 00:35:14,520 --> 00:35:17,880 Speaker 1: sort of combining everything mentality. But and and we we 726 00:35:17,920 --> 00:35:19,920 Speaker 1: get pushed back, Matt, because that's how we view things, 727 00:35:19,920 --> 00:35:21,160 Speaker 1: and that's how we talked about it on the show. 728 00:35:21,280 --> 00:35:23,719 Speaker 1: We don't necessarily say that everyone should do that, but 729 00:35:24,200 --> 00:35:25,840 Speaker 1: we say that that's what we have done, and we 730 00:35:25,880 --> 00:35:28,000 Speaker 1: think that's the best route. Because when you're getting married, 731 00:35:28,040 --> 00:35:31,040 Speaker 1: you're the kind of the idea is to combine everything. 732 00:35:31,200 --> 00:35:33,879 Speaker 1: You're going all in is to combine lives and put 733 00:35:33,880 --> 00:35:36,359 Speaker 1: everything together and so, um, we know that that doesn't 734 00:35:36,400 --> 00:35:39,279 Speaker 1: work for every situation, but that is how we feel 735 00:35:39,320 --> 00:35:42,200 Speaker 1: predominantly that that when you enter into marriage, when you 736 00:35:42,280 --> 00:35:43,960 Speaker 1: decided to spend the rest of your life with someone, 737 00:35:43,960 --> 00:35:46,799 Speaker 1: that you should pull money together to totally. And I think, Kate, 738 00:35:46,840 --> 00:35:48,200 Speaker 1: what kind of on a circle back to what you 739 00:35:48,200 --> 00:35:50,759 Speaker 1: said about focusing on goals, because I think what's so 740 00:35:50,800 --> 00:35:53,359 Speaker 1: good about that and what a takeaway from that might 741 00:35:53,440 --> 00:35:55,880 Speaker 1: be for folks is that you don't have to be 742 00:35:56,000 --> 00:35:58,319 Speaker 1: obsessed with talking about money. You don't have to be 743 00:35:58,360 --> 00:36:00,000 Speaker 1: obsessed with four one k is and the latest new 744 00:36:00,080 --> 00:36:03,200 Speaker 1: US and finance, you know, financial media, all that kind 745 00:36:03,200 --> 00:36:05,560 Speaker 1: of stuff. What you can be focused on is, like 746 00:36:05,600 --> 00:36:07,279 Speaker 1: you said, Kay, what you want your life to look like, 747 00:36:07,400 --> 00:36:09,920 Speaker 1: or what goals you're trying to achieve, and then money 748 00:36:09,960 --> 00:36:12,719 Speaker 1: just becomes that means to this greater end that you 749 00:36:12,800 --> 00:36:15,600 Speaker 1: are both working towards. And so I think a lot 750 00:36:15,600 --> 00:36:17,600 Speaker 1: of times folks hear us talking about money. We love 751 00:36:17,640 --> 00:36:19,960 Speaker 1: talking about money. UM. I would say all four of 752 00:36:20,040 --> 00:36:21,680 Speaker 1: us enjoy it to a certain extent, Joel, you and 753 00:36:21,719 --> 00:36:24,080 Speaker 1: I more so maybe than our our wives do, maybe 754 00:36:24,080 --> 00:36:26,280 Speaker 1: a lot more. I like to talk about the meaning 755 00:36:26,320 --> 00:36:29,480 Speaker 1: behind the money. But I think that's just a way 756 00:36:29,520 --> 00:36:32,200 Speaker 1: that we can be more fincially naked without it seeming 757 00:36:32,280 --> 00:36:35,560 Speaker 1: like this giant, daunting task where you have to sit 758 00:36:35,600 --> 00:36:38,719 Speaker 1: down and have some giant summits, some like kind of 759 00:36:38,800 --> 00:36:40,719 Speaker 1: come to God moments where you're at the top of 760 00:36:40,719 --> 00:36:42,279 Speaker 1: the mountain sort of thing. Well, I want to talk 761 00:36:42,320 --> 00:36:44,800 Speaker 1: about matching risk levels because that's what Kristen from the 762 00:36:44,840 --> 00:36:47,239 Speaker 1: Facebook group wants to talk about. And so I feel 763 00:36:47,280 --> 00:36:49,560 Speaker 1: that this has been kind of an interesting, interesting thing 764 00:36:49,600 --> 00:36:51,919 Speaker 1: because when it comes to money, to grow your money, 765 00:36:52,080 --> 00:36:54,160 Speaker 1: you have the big risk. Right investing in the stock market, 766 00:36:54,200 --> 00:36:57,680 Speaker 1: it involves risk, of course, and so h at times 767 00:36:58,360 --> 00:37:01,920 Speaker 1: there have been maybe different risk appetites between us as 768 00:37:01,960 --> 00:37:03,960 Speaker 1: a couple, Emily, and I'm sure between you guys. So 769 00:37:04,120 --> 00:37:06,000 Speaker 1: let's talk about that for a second. How have we 770 00:37:06,080 --> 00:37:09,120 Speaker 1: discussed maybe our individual appetites to risk and then how 771 00:37:09,120 --> 00:37:11,160 Speaker 1: we make some of those decisions when it comes to 772 00:37:11,239 --> 00:37:14,399 Speaker 1: investing um and getting our money to work for us. 773 00:37:14,400 --> 00:37:17,000 Speaker 1: How have we talked about those? Neither Matt nor I 774 00:37:17,040 --> 00:37:21,640 Speaker 1: am a risk taker, so I think our risk tolerance 775 00:37:21,760 --> 00:37:25,560 Speaker 1: is pretty low. But as Matt has learned more about 776 00:37:25,760 --> 00:37:32,200 Speaker 1: opportunities and helped me understand what calculated risks are good 777 00:37:32,200 --> 00:37:36,520 Speaker 1: to take. We have chosen very intentionally to take certain risks. 778 00:37:37,280 --> 00:37:38,759 Speaker 1: I don't know if it's is it a risk, if 779 00:37:38,800 --> 00:37:42,200 Speaker 1: it's very calculated, it is very careful. I was gonna say, 780 00:37:42,239 --> 00:37:43,799 Speaker 1: I think it's very interesting that you said y'all are 781 00:37:43,800 --> 00:37:47,360 Speaker 1: not risk takers because you started multiple owned businesses. That 782 00:37:47,520 --> 00:37:49,880 Speaker 1: is a by definition, that is a risk that is 783 00:37:49,880 --> 00:37:52,040 Speaker 1: a much riskier thing, or feels like a much risk 784 00:37:52,640 --> 00:37:55,520 Speaker 1: traditionally risk, Like, it seems riskier than than what I 785 00:37:55,520 --> 00:37:57,399 Speaker 1: think what most folks are used to. But I think 786 00:37:57,440 --> 00:37:59,680 Speaker 1: what we've learned is that it's I don't know, it 787 00:37:59,680 --> 00:38:02,239 Speaker 1: doesn't to us. Certain things don't seem risky because, like 788 00:38:02,320 --> 00:38:05,000 Speaker 1: Kate said, when we can sit down, crunch the numbers 789 00:38:05,239 --> 00:38:07,760 Speaker 1: and say, oh, we are going to make more money 790 00:38:07,760 --> 00:38:09,920 Speaker 1: by starting this business if we hit our goals, if 791 00:38:09,920 --> 00:38:13,320 Speaker 1: we easily hit the kind of numbers that we're expecting 792 00:38:13,360 --> 00:38:16,080 Speaker 1: to uh. In that way, I think maybe what you're 793 00:38:16,080 --> 00:38:18,640 Speaker 1: getting at, Kate is that this is calculated and therefore 794 00:38:18,719 --> 00:38:21,080 Speaker 1: this is a slam dunk decision. It's not like we're 795 00:38:21,200 --> 00:38:23,480 Speaker 1: sort of rolling the dice. We're just taking the best 796 00:38:23,480 --> 00:38:26,719 Speaker 1: step forward. Given what we know at this moment. Yeah, 797 00:38:26,760 --> 00:38:29,440 Speaker 1: I have a lot of thoughts on this, and I'm 798 00:38:29,440 --> 00:38:31,840 Speaker 1: going to try to sum them up into something that 799 00:38:31,920 --> 00:38:34,360 Speaker 1: is like tangible and practical. But I just think in 800 00:38:34,400 --> 00:38:37,719 Speaker 1: our experience, when you've wanted to be more risky or 801 00:38:37,719 --> 00:38:39,799 Speaker 1: you're more prone to have a bunch of ideas that 802 00:38:39,840 --> 00:38:43,640 Speaker 1: you're interested in following, and I'm not sure about I 803 00:38:43,680 --> 00:38:46,319 Speaker 1: think what has got us on the same page is 804 00:38:46,840 --> 00:38:49,800 Speaker 1: is really it's not ever about the money. It's about 805 00:38:49,960 --> 00:38:54,200 Speaker 1: I think the thoughtfulness and the intent behind the money. 806 00:38:54,200 --> 00:38:55,640 Speaker 1: And I think that's also I think there was a 807 00:38:55,719 --> 00:38:57,279 Speaker 1: question just kind of how you get on the same 808 00:38:57,280 --> 00:39:00,520 Speaker 1: page or getting naked on finances. I think you a 809 00:39:00,560 --> 00:39:02,920 Speaker 1: lot of that is just bringing self awareness to the 810 00:39:02,960 --> 00:39:05,520 Speaker 1: table to like what the money and how you spend it, 811 00:39:05,600 --> 00:39:09,959 Speaker 1: what that really means. Um So sometimes when I hear 812 00:39:10,080 --> 00:39:12,839 Speaker 1: Joel like, want want to invest here and be risky 813 00:39:12,960 --> 00:39:16,200 Speaker 1: risky here, what I can feel is unsafe or unthoughtful 814 00:39:16,560 --> 00:39:18,640 Speaker 1: when I've wanted to spend that money somewhere else and 815 00:39:18,719 --> 00:39:21,160 Speaker 1: he's like, no, that's you know, we're not going to 816 00:39:21,200 --> 00:39:22,640 Speaker 1: think about that. We don't have time to spend that. Oh. 817 00:39:22,719 --> 00:39:26,840 Speaker 1: But I'm gonna drop this investment, right, so I'm left 818 00:39:26,920 --> 00:39:30,480 Speaker 1: feeling unseen or I'm worried. And so it's not necessarily 819 00:39:30,560 --> 00:39:32,720 Speaker 1: that it's risky, it's just that it meant something different 820 00:39:32,719 --> 00:39:35,839 Speaker 1: to me. So it was hat slowing down to have 821 00:39:35,880 --> 00:39:38,440 Speaker 1: those conversations for me to be able to hear like 822 00:39:38,520 --> 00:39:40,720 Speaker 1: your thought process, for you to be able to hear 823 00:39:41,200 --> 00:39:43,040 Speaker 1: what that means to me, and how I need to 824 00:39:43,160 --> 00:39:46,040 Speaker 1: feel like you're thoughtful about our family. And I honestly 825 00:39:46,040 --> 00:39:48,279 Speaker 1: feel like that is a lot of money conversations because 826 00:39:48,320 --> 00:39:51,800 Speaker 1: you can get into the details of there's a limit 827 00:39:51,800 --> 00:39:54,080 Speaker 1: on risk here, or a limit on what else spend here, 828 00:39:54,360 --> 00:39:56,480 Speaker 1: Not that those things aren't helpful, but really like money 829 00:39:56,560 --> 00:39:58,520 Speaker 1: is so tightly tied to who you are as a 830 00:39:58,560 --> 00:40:01,719 Speaker 1: person and what you fear and what you value, and 831 00:40:01,800 --> 00:40:04,879 Speaker 1: sometimes you're fighting about that when you think you're fighting 832 00:40:04,920 --> 00:40:06,839 Speaker 1: about a number, but that's like actually what you're really 833 00:40:06,840 --> 00:40:09,480 Speaker 1: fighting about. So for us, I feel like that's how 834 00:40:10,800 --> 00:40:12,920 Speaker 1: risk plays in. I mean, a perfect story is in 835 00:40:12,960 --> 00:40:15,440 Speaker 1: this house that we're moving into doesn't have a screen 836 00:40:15,440 --> 00:40:18,080 Speaker 1: and back porch, and those are expensive and I wanted one, 837 00:40:18,120 --> 00:40:20,200 Speaker 1: and Joel was like, those are really expensive. We're not 838 00:40:20,239 --> 00:40:21,800 Speaker 1: going to do that, and then two days later it 839 00:40:21,840 --> 00:40:24,080 Speaker 1: was like, I think I'm gonna put solar panels on 840 00:40:24,200 --> 00:40:26,480 Speaker 1: the house. So I'm gonna draw five thousand dollars and 841 00:40:26,480 --> 00:40:28,719 Speaker 1: do that because it's gonna save us like five a month. 842 00:40:28,760 --> 00:40:32,440 Speaker 1: And I'm like, no, part of that makes sense, doesn't 843 00:40:32,440 --> 00:40:34,080 Speaker 1: make sense, And so we thought about that, but it 844 00:40:34,160 --> 00:40:36,279 Speaker 1: was we had to come to the conclusion I see 845 00:40:36,280 --> 00:40:38,279 Speaker 1: where he's going with that, and it's a financial move. 846 00:40:38,360 --> 00:40:42,360 Speaker 1: It feels very personal to me because it was definitely 847 00:40:42,400 --> 00:40:44,040 Speaker 1: don't have money for what I want, but we do 848 00:40:44,440 --> 00:40:45,919 Speaker 1: for what you want, and we just had to talk 849 00:40:45,920 --> 00:40:48,680 Speaker 1: about it and and work that out. It's almost always 850 00:40:48,680 --> 00:40:52,200 Speaker 1: me moving too fast and not including you properly and 851 00:40:52,400 --> 00:40:54,480 Speaker 1: just kind of being like, ye, come on, let's go, 852 00:40:55,040 --> 00:40:58,160 Speaker 1: instead of instead of really like being thoughtful of asking 853 00:40:58,160 --> 00:41:01,840 Speaker 1: you questions and bringing you into the conversation about something 854 00:41:01,880 --> 00:41:05,880 Speaker 1: that I'm interested in or excited about. So that is 855 00:41:06,320 --> 00:41:09,319 Speaker 1: a lifelong lesson that I continue to learn. That is 856 00:41:09,400 --> 00:41:13,560 Speaker 1: something I've not figured out at this point. Into Emily's dynamic. 857 00:41:14,000 --> 00:41:20,040 Speaker 1: That's literally the whole dynamic conversation and everything well, and 858 00:41:20,280 --> 00:41:22,480 Speaker 1: to be honest, most of the times I need Emily's 859 00:41:22,480 --> 00:41:26,040 Speaker 1: pushback because I need her thoughtfulness. And in so much 860 00:41:26,040 --> 00:41:28,960 Speaker 1: of the time, I get excited about something, but I'm 861 00:41:28,960 --> 00:41:32,040 Speaker 1: half baked, like I don't have a full idea of 862 00:41:32,239 --> 00:41:33,480 Speaker 1: what I want to do or why I want to 863 00:41:33,520 --> 00:41:37,760 Speaker 1: do it, and so your questions, uh my annoyingly quick 864 00:41:37,760 --> 00:41:40,080 Speaker 1: moves and then your questions to slow those things down. 865 00:41:40,120 --> 00:41:41,640 Speaker 1: Sometimes I'm like, quit their own sand of the gears, 866 00:41:41,680 --> 00:41:43,879 Speaker 1: let's just go. But it is the right and good thing, 867 00:41:43,920 --> 00:41:46,440 Speaker 1: and I need that, like our relationship needs that, like 868 00:41:46,520 --> 00:41:49,360 Speaker 1: I need that. So I'm glad. I'm glad this is 869 00:41:49,400 --> 00:41:53,799 Speaker 1: for everyone to hear. I'm back to this. All right, 870 00:41:54,600 --> 00:41:56,520 Speaker 1: let's move on. Let's we get some more questions to 871 00:41:56,520 --> 00:41:58,920 Speaker 1: get to from the Facebook group in one final segment 872 00:41:59,000 --> 00:42:10,960 Speaker 1: with our better halves. We'll get to those right after this. Alright, 873 00:42:11,000 --> 00:42:12,840 Speaker 1: we're back from the break. We've got a couple of 874 00:42:12,880 --> 00:42:16,080 Speaker 1: additional a few additional questions we're gonna get to. Let's 875 00:42:16,120 --> 00:42:18,480 Speaker 1: take this one from Maggie. She's a friend of ours 876 00:42:18,560 --> 00:42:21,920 Speaker 1: over at Friends on Fire. She's asking two questions a 877 00:42:21,920 --> 00:42:24,480 Speaker 1: two parter. First of all, if the wives, if y'all 878 00:42:24,520 --> 00:42:26,799 Speaker 1: were in charge of the topics that we cover on 879 00:42:26,840 --> 00:42:31,120 Speaker 1: the show, what would the next three episode titles be? Uh? 880 00:42:31,160 --> 00:42:33,120 Speaker 1: And then secondly she wants to know what TV shows 881 00:42:33,280 --> 00:42:38,280 Speaker 1: y'all are watching right now? Those such fun questions, Maggie, 882 00:42:38,320 --> 00:42:40,680 Speaker 1: I love that, Um, I for sure. One of the 883 00:42:40,680 --> 00:42:43,799 Speaker 1: topics off the top of my head is what is 884 00:42:43,840 --> 00:42:49,920 Speaker 1: reasonable to spend on beauty products? And just looks like 885 00:42:50,000 --> 00:42:54,439 Speaker 1: it is a never ending vacuum of skincare and hair 886 00:42:54,520 --> 00:42:57,080 Speaker 1: color and and I love all that. And that's the 887 00:42:57,080 --> 00:42:59,000 Speaker 1: next episode you want Matt and I to do well 888 00:42:59,040 --> 00:43:02,800 Speaker 1: if we were running it an expert, right, Like, I 889 00:43:02,800 --> 00:43:06,080 Speaker 1: would totally love for someone to dive into that research 890 00:43:06,480 --> 00:43:08,920 Speaker 1: because I love I love. The greater topic here, then, 891 00:43:09,040 --> 00:43:11,960 Speaker 1: is how much should you spend on yourself? Essentially? Right, 892 00:43:12,000 --> 00:43:14,400 Speaker 1: because on one hand, you have do you feel like? 893 00:43:14,440 --> 00:43:16,879 Speaker 1: Do you feel like yourself? I'm holding up the figure 894 00:43:16,960 --> 00:43:19,000 Speaker 1: because it's so different for men and women, I think, 895 00:43:19,040 --> 00:43:22,239 Speaker 1: although I think the beauty industry is increasing for men 896 00:43:22,400 --> 00:43:26,319 Speaker 1: as well, but just yeah, how do you justify the 897 00:43:26,440 --> 00:43:30,919 Speaker 1: expense I think as a woman on just beauty care products? 898 00:43:31,040 --> 00:43:33,280 Speaker 1: And you do feel like it's different than Joel spending 899 00:43:33,280 --> 00:43:35,279 Speaker 1: money on beer because something that you really like. I 900 00:43:35,320 --> 00:43:37,880 Speaker 1: feel like it's really different because I think we're judged 901 00:43:37,880 --> 00:43:40,000 Speaker 1: on how we look so much more. And I think 902 00:43:40,000 --> 00:43:42,680 Speaker 1: beauty is tied to identity so much more than drinking 903 00:43:42,680 --> 00:43:44,279 Speaker 1: a beer is, although I think that can be an 904 00:43:44,320 --> 00:43:47,759 Speaker 1: identity thing. I just think in aging especially you know 905 00:43:47,840 --> 00:43:51,080 Speaker 1: now I'm almost forty, and so I think about, you know, 906 00:43:51,160 --> 00:43:53,640 Speaker 1: how how do I what oils do I put on 907 00:43:53,680 --> 00:43:56,480 Speaker 1: my face? And what you know anti wrinkle cream? And 908 00:43:56,560 --> 00:43:59,200 Speaker 1: am I working out enough? And I think because there's 909 00:43:59,200 --> 00:44:02,680 Speaker 1: a lot of pressure women particularly, that's a lot of money. 910 00:44:02,800 --> 00:44:04,480 Speaker 1: It's a lot of money. And you can't spend a 911 00:44:04,520 --> 00:44:08,600 Speaker 1: lot of money on botox and you know all the 912 00:44:08,640 --> 00:44:10,160 Speaker 1: things that you could spend money on, and it's just 913 00:44:10,160 --> 00:44:12,440 Speaker 1: hard to know what do you justify? Would you not justify? 914 00:44:12,480 --> 00:44:14,960 Speaker 1: What's the best bang for your buck? Like what is 915 00:44:15,000 --> 00:44:18,399 Speaker 1: the most affordable that produces results? What are other women doing? 916 00:44:18,440 --> 00:44:23,279 Speaker 1: I just I think it is an interesting one. Kate, 917 00:44:23,320 --> 00:44:26,000 Speaker 1: you have a topic I would be interested to hear you. Guys, 918 00:44:26,080 --> 00:44:29,879 Speaker 1: have you ever done an episode on vacations before? Like 919 00:44:30,560 --> 00:44:35,759 Speaker 1: big vacations? I'm just thinking through started right and we 920 00:44:35,840 --> 00:44:40,520 Speaker 1: started talking about traveling with our kids, like internationally possibly 921 00:44:40,600 --> 00:44:45,000 Speaker 1: even look, yeah, how do you do that well? And 922 00:44:45,160 --> 00:44:47,880 Speaker 1: I know, for six people, it's going to cost a 923 00:44:48,160 --> 00:44:52,200 Speaker 1: lot of money and it's not going to make sense financially, 924 00:44:52,320 --> 00:44:56,479 Speaker 1: but just like weighing the experience and what you've taken 925 00:44:56,520 --> 00:44:59,920 Speaker 1: away from that as a family and as individual kid 926 00:45:00,000 --> 00:45:03,759 Speaker 1: at certain ages being exposed and experiencing different things in 927 00:45:03,800 --> 00:45:07,680 Speaker 1: different parts of the world, Like, how do you how 928 00:45:07,680 --> 00:45:11,400 Speaker 1: do you justify spending that money? Is that worth what 929 00:45:11,520 --> 00:45:13,920 Speaker 1: it would cost for our family of six to go 930 00:45:14,160 --> 00:45:17,120 Speaker 1: to But then also maybe how do you do that? Well, 931 00:45:17,400 --> 00:45:20,040 Speaker 1: how do you do that affordably? Yeah, and really intentionally 932 00:45:20,160 --> 00:45:23,399 Speaker 1: to make it get the bang for your b for sure. Yeah, 933 00:45:23,440 --> 00:45:25,879 Speaker 1: I think we could totally like legitly, Like there are 934 00:45:26,000 --> 00:45:29,040 Speaker 1: folks who do a world schooling the world, travel around 935 00:45:29,040 --> 00:45:31,600 Speaker 1: the world and travel NonStop, but they do it affordably. 936 00:45:32,200 --> 00:45:36,479 Speaker 1: They take advantage of geographic arbitrage by spending very little 937 00:45:36,480 --> 00:45:39,200 Speaker 1: money in you know, in Thailand. Um, they stayed there 938 00:45:39,239 --> 00:45:40,799 Speaker 1: for a part of the year, that whole thing. But yeah, 939 00:45:40,960 --> 00:45:42,680 Speaker 1: that could totally be be a good episode and you 940 00:45:42,719 --> 00:45:45,239 Speaker 1: get one more in you well, just off the top 941 00:45:45,239 --> 00:45:48,760 Speaker 1: of my head again, in the field of mental health counseling, 942 00:45:48,760 --> 00:45:51,480 Speaker 1: which is what I'm in grad school for, so and 943 00:45:51,520 --> 00:45:55,400 Speaker 1: I'm interested, particularly in marriage counseling and family counseling. So 944 00:45:55,680 --> 00:45:59,399 Speaker 1: many issues revolve around money, and again I think that's 945 00:45:59,480 --> 00:46:02,280 Speaker 1: partly touches on what we've talked about, just because money 946 00:46:02,280 --> 00:46:06,280 Speaker 1: represents so much more than actual money. But just diving 947 00:46:06,280 --> 00:46:09,080 Speaker 1: more into that topic I think would be really interesting 948 00:46:09,239 --> 00:46:13,400 Speaker 1: is to totally agree what are helpful questions and conversations 949 00:46:13,520 --> 00:46:18,520 Speaker 1: and what are like the financial sticking points that couples 950 00:46:18,560 --> 00:46:20,479 Speaker 1: get stuck on, and what does that mean to them? 951 00:46:20,880 --> 00:46:23,000 Speaker 1: How much does your past play into the way you 952 00:46:23,040 --> 00:46:25,719 Speaker 1: spend money? Basically like an expert to come on and 953 00:46:25,760 --> 00:46:27,960 Speaker 1: for them to say when you say this, this is 954 00:46:27,960 --> 00:46:32,480 Speaker 1: what this means. Yes, that would be I mean, I 955 00:46:32,520 --> 00:46:35,399 Speaker 1: think this. This is not just my own saying. We've 956 00:46:35,400 --> 00:46:37,399 Speaker 1: studied this as well. How you have sex and how 957 00:46:37,440 --> 00:46:40,360 Speaker 1: you spend money as a couple are really inter related 958 00:46:40,640 --> 00:46:43,840 Speaker 1: because they really speak to again, how you relate to 959 00:46:43,880 --> 00:46:47,640 Speaker 1: someone else, how you express yourself, how you hold like closely, 960 00:46:48,520 --> 00:46:51,359 Speaker 1: what's really vulnerable to you? And so I just think 961 00:46:51,360 --> 00:46:54,640 Speaker 1: that'd be really interesting. Sex and money that can be 962 00:46:54,640 --> 00:46:56,879 Speaker 1: your next go for it. We've never had a sex 963 00:46:56,920 --> 00:47:02,399 Speaker 1: pert on before, but jolls all for it. One Matt 964 00:47:02,440 --> 00:47:08,200 Speaker 1: actually so we can so No, let's thanks. Part of 965 00:47:08,200 --> 00:47:10,479 Speaker 1: the question the TV show. Have you all been watching 966 00:47:10,480 --> 00:47:13,560 Speaker 1: any shows lately that you wanted to share? Oh? Man, 967 00:47:13,640 --> 00:47:16,680 Speaker 1: we have been watching all the Community free runs again. 968 00:47:16,719 --> 00:47:19,399 Speaker 1: I love Community. It's so good. It makes me laugh 969 00:47:19,400 --> 00:47:24,040 Speaker 1: out loud. I love it. I just think it's so funny. Yep, 970 00:47:24,160 --> 00:47:27,480 Speaker 1: I think that's the same page. Love that one. No, 971 00:47:27,719 --> 00:47:31,879 Speaker 1: we haven't really been watching anything I would watched. Uh 972 00:47:32,040 --> 00:47:36,839 Speaker 1: severn would you would? Would you recommend that? I mean, 973 00:47:37,080 --> 00:47:40,160 Speaker 1: I think it depends on what type of person you 974 00:47:40,200 --> 00:47:43,360 Speaker 1: are and what you're into. What you want to watch 975 00:47:43,480 --> 00:47:47,000 Speaker 1: before you then go to sleep is a great question, 976 00:47:47,200 --> 00:47:49,760 Speaker 1: has a lot to do with sleep and work life balance, 977 00:47:50,080 --> 00:47:53,080 Speaker 1: and I will give a very clear recommendation. I thought 978 00:47:53,120 --> 00:47:56,319 Speaker 1: it was awesome. It starts off slow. Definitely get through 979 00:47:56,320 --> 00:47:59,200 Speaker 1: the first episode or two, but holy crap, the last 980 00:47:59,320 --> 00:48:02,920 Speaker 1: three episode are so or or phenomenal. They just like 981 00:48:02,960 --> 00:48:05,480 Speaker 1: knocked it out of the park. Would totally set themselves 982 00:48:05,520 --> 00:48:08,160 Speaker 1: up for for the next season. But they're like three 983 00:48:08,239 --> 00:48:11,799 Speaker 1: or four threads that need to be addressed. I can't 984 00:48:11,800 --> 00:48:13,520 Speaker 1: wait it's gonna be I'm still waiting for Squid Game 985 00:48:13,560 --> 00:48:16,719 Speaker 1: season two, So you can't wait for that. Do we 986 00:48:16,719 --> 00:48:18,960 Speaker 1: want to take one last question? Let's do it because money, 987 00:48:19,080 --> 00:48:20,760 Speaker 1: Let's do it. Wrap it up? Are this from Barbara? 988 00:48:20,960 --> 00:48:24,640 Speaker 1: She says, how do we model financial discussions for our kids? 989 00:48:24,719 --> 00:48:28,240 Speaker 1: Do they get included in specific discussions about money goals? 990 00:48:28,640 --> 00:48:31,600 Speaker 1: And uh? Barbara actually mentioned that she included her kids 991 00:48:31,600 --> 00:48:33,759 Speaker 1: in some vacation planning. But think she thinks she could 992 00:48:33,800 --> 00:48:35,839 Speaker 1: have done a better job. It's pretty cool. Yeah, so, 993 00:48:36,320 --> 00:48:39,040 Speaker 1: and I think if anybody has kids and they're trying 994 00:48:39,040 --> 00:48:41,759 Speaker 1: to have money combos, they're always saying I could have 995 00:48:41,800 --> 00:48:43,719 Speaker 1: done a better job with that. Like that is that 996 00:48:43,840 --> 00:48:46,960 Speaker 1: is guaranteed at any time in parenting, you're you're always 997 00:48:47,000 --> 00:48:49,799 Speaker 1: going to second guess your efforts and there's always things 998 00:48:49,840 --> 00:48:51,640 Speaker 1: you could have done better. And so I don't know 999 00:48:51,680 --> 00:48:53,640 Speaker 1: my first thing to Barbara's just say don't beat yourself 1000 00:48:53,680 --> 00:48:57,440 Speaker 1: up because you included on sound like she's doing a 1001 00:48:57,480 --> 00:49:00,239 Speaker 1: pretty good job. This makes me think about you in 1002 00:49:00,400 --> 00:49:03,000 Speaker 1: your brother actually planning some of your vacations when you 1003 00:49:03,040 --> 00:49:06,839 Speaker 1: are in high school. Yeah, my parents, Um, growing up, 1004 00:49:06,880 --> 00:49:09,960 Speaker 1: we would go on a vacation every summer as a family. 1005 00:49:10,440 --> 00:49:13,560 Speaker 1: And UM, I have a younger brother and so every 1006 00:49:13,640 --> 00:49:15,640 Speaker 1: year a different person in our family would be in 1007 00:49:15,760 --> 00:49:17,399 Speaker 1: charge of planning it. So my dad did one year, 1008 00:49:17,440 --> 00:49:21,040 Speaker 1: my mom did one year, but then they helped Dan 1009 00:49:21,160 --> 00:49:22,839 Speaker 1: do it one year. They helped me do it one year, 1010 00:49:22,840 --> 00:49:24,720 Speaker 1: and it was a surprise to the rest of the family, 1011 00:49:24,800 --> 00:49:28,520 Speaker 1: but that was super look forward to. And during the 1012 00:49:28,520 --> 00:49:30,799 Speaker 1: planning of it, like I remember going through it with 1013 00:49:30,840 --> 00:49:34,160 Speaker 1: my dad, like prioritizing, well, what do we want to 1014 00:49:34,160 --> 00:49:35,880 Speaker 1: be able to eat? What I want the food to be? 1015 00:49:35,960 --> 00:49:39,200 Speaker 1: Like there, how much can we spend on this or that? 1016 00:49:39,520 --> 00:49:44,080 Speaker 1: And um, I was in high school when it was 1017 00:49:44,120 --> 00:49:46,480 Speaker 1: my turn, so I knew a lot about what was 1018 00:49:46,920 --> 00:49:50,000 Speaker 1: going on with money at that point, and so we 1019 00:49:50,080 --> 00:49:53,240 Speaker 1: had like really serious conversations about like what our budget 1020 00:49:53,320 --> 00:49:55,480 Speaker 1: was and and um, what we could get for a 1021 00:49:55,480 --> 00:49:57,920 Speaker 1: certain amount of prayer in there and wait, soward you 1022 00:49:57,960 --> 00:50:03,799 Speaker 1: go on your vacation plane the Dominican Republicans. Great. Yeah, 1023 00:50:03,840 --> 00:50:06,560 Speaker 1: And I mean, obviously that's high school, but I think 1024 00:50:06,680 --> 00:50:08,640 Speaker 1: I mean at a younger age you can start involving 1025 00:50:08,680 --> 00:50:11,120 Speaker 1: kids in conversations. And I mean there are very few 1026 00:50:11,120 --> 00:50:12,839 Speaker 1: things that I would say that we loop our kids 1027 00:50:12,840 --> 00:50:16,240 Speaker 1: in on where we're wanting to intentionally, They're always listening 1028 00:50:16,440 --> 00:50:19,800 Speaker 1: and that's fine, and we're not trying to hide certain conversations. Obviously, 1029 00:50:19,800 --> 00:50:22,479 Speaker 1: there's some conversations that we are shielding them from where 1030 00:50:22,920 --> 00:50:25,440 Speaker 1: we do not want their feedback and we don't want 1031 00:50:25,480 --> 00:50:28,600 Speaker 1: them to kind of see the volatility that happens behind 1032 00:50:28,600 --> 00:50:31,000 Speaker 1: the scenes, right like like we don't necessarily want to 1033 00:50:31,040 --> 00:50:33,840 Speaker 1: see them to see the duck's legs, you know, paddling 1034 00:50:33,880 --> 00:50:36,560 Speaker 1: like crazy. They for you know, certain of the kids. 1035 00:50:36,560 --> 00:50:38,800 Speaker 1: We just want them to see the duck just gliding 1036 00:50:38,800 --> 00:50:41,799 Speaker 1: across the surface. But there are times when they're like, well, 1037 00:50:41,800 --> 00:50:43,759 Speaker 1: how does this work? And we feel like we are 1038 00:50:44,040 --> 00:50:48,200 Speaker 1: often very transparent and explaining things to them, Explain to 1039 00:50:48,200 --> 00:50:51,359 Speaker 1: them how things work, what things cost um. They're very 1040 00:50:51,400 --> 00:50:54,080 Speaker 1: familiar with our day to day expenses and how we 1041 00:50:54,120 --> 00:50:58,600 Speaker 1: handle money day to day. They don't know big overall 1042 00:50:58,719 --> 00:51:02,160 Speaker 1: numbers like much to make or how much? Yeah, that's 1043 00:51:02,200 --> 00:51:03,960 Speaker 1: something they're asking recently, were just like, you know what, 1044 00:51:04,040 --> 00:51:06,360 Speaker 1: that's not necessarily something. I feel like it's important for 1045 00:51:06,400 --> 00:51:08,120 Speaker 1: you to know right now, And we tell them and 1046 00:51:08,160 --> 00:51:09,919 Speaker 1: you can dig it into the tax records if you want, 1047 00:51:09,960 --> 00:51:12,640 Speaker 1: I guess, but but you're going to figure out how 1048 00:51:12,600 --> 00:51:14,319 Speaker 1: to figure that on you're on yeah, what do y'a think. 1049 00:51:14,360 --> 00:51:16,799 Speaker 1: Are y'all starting to include Selma in particular? I mean, 1050 00:51:16,800 --> 00:51:18,920 Speaker 1: so we've got girls who are eight years old, um, 1051 00:51:18,960 --> 00:51:21,080 Speaker 1: and I feel like they're the ones who have more 1052 00:51:21,080 --> 00:51:22,839 Speaker 1: of a handle on what's going on when it comes 1053 00:51:22,880 --> 00:51:25,160 Speaker 1: to money and finances. As we're trying to teach them 1054 00:51:25,200 --> 00:51:28,719 Speaker 1: about investing and earning money, Uh, they start to understand more. 1055 00:51:29,280 --> 00:51:31,400 Speaker 1: I think one of the biggest ways we've modeled is 1056 00:51:31,520 --> 00:51:34,560 Speaker 1: just waiting. So they have a ton of things they want, 1057 00:51:34,600 --> 00:51:36,719 Speaker 1: and I mean so do we as adults, but we 1058 00:51:36,800 --> 00:51:38,560 Speaker 1: kind of try to take a breath and think about 1059 00:51:38,560 --> 00:51:40,240 Speaker 1: it for a little bit and think through it before 1060 00:51:40,600 --> 00:51:42,440 Speaker 1: we spend money on it, and we try to model 1061 00:51:42,480 --> 00:51:45,960 Speaker 1: that for them. So, for example, the book fair came 1062 00:51:46,000 --> 00:51:48,880 Speaker 1: recently to their school and they have a day in 1063 00:51:48,880 --> 00:51:51,160 Speaker 1: which they can kind of go and preview everything and 1064 00:51:51,200 --> 00:51:56,200 Speaker 1: then for kids, yeah, yeah, and there's a lot of 1065 00:51:56,200 --> 00:51:58,240 Speaker 1: awesome books and they come home with like a wish list, 1066 00:51:58,360 --> 00:52:00,680 Speaker 1: and so we kind of then helped them decide what 1067 00:52:00,800 --> 00:52:03,200 Speaker 1: we'd buy one book. They decided what book they were 1068 00:52:03,200 --> 00:52:05,120 Speaker 1: going to spend their own money on, but then they 1069 00:52:05,160 --> 00:52:07,040 Speaker 1: wanted more and so we're like, okay, we'll wait to 1070 00:52:07,160 --> 00:52:08,480 Speaker 1: the end of the week. If you want to spend 1071 00:52:08,520 --> 00:52:10,839 Speaker 1: your own money on more, you know, does this book 1072 00:52:10,840 --> 00:52:14,000 Speaker 1: that you want hold true for five more days? So 1073 00:52:14,040 --> 00:52:15,680 Speaker 1: I think that's been helpful. And we do the same 1074 00:52:15,719 --> 00:52:18,040 Speaker 1: when we're shopping with them or when we're out and 1075 00:52:18,080 --> 00:52:21,240 Speaker 1: about that we want this, but let's like look around 1076 00:52:21,320 --> 00:52:22,800 Speaker 1: and if this is still what we want at the 1077 00:52:22,880 --> 00:52:24,520 Speaker 1: end of the trip, then yes, we can get this. 1078 00:52:25,560 --> 00:52:27,640 Speaker 1: I think it's really important to have those conversations, even 1079 00:52:27,680 --> 00:52:30,080 Speaker 1: around just the small stuff when it comes to buying 1080 00:52:30,120 --> 00:52:33,600 Speaker 1: a book or whatever, and helping kids realize that putting 1081 00:52:33,680 --> 00:52:35,640 Speaker 1: some having some skin in the game where they actually 1082 00:52:35,680 --> 00:52:38,640 Speaker 1: have money right in their own piggy bank or little 1083 00:52:38,640 --> 00:52:41,520 Speaker 1: bank account that we use, and so they're like, oh, 1084 00:52:41,880 --> 00:52:43,359 Speaker 1: they have to start to think about the trade offs 1085 00:52:43,360 --> 00:52:44,600 Speaker 1: in their own life, like, well, I'm saving for a 1086 00:52:44,600 --> 00:52:46,479 Speaker 1: Barbie dreamhouse, but if I buy this book, it's gonna 1087 00:52:46,480 --> 00:52:48,640 Speaker 1: take me longer to get that Barbie dream house. And 1088 00:52:48,680 --> 00:52:51,480 Speaker 1: so your life discussion, which do I want um? And 1089 00:52:51,480 --> 00:52:53,600 Speaker 1: And so I think those those conversations are important. But 1090 00:52:53,600 --> 00:52:57,040 Speaker 1: I think Barbara's question, the heart of it was modeling 1091 00:52:57,480 --> 00:52:59,799 Speaker 1: finances for for your kids, and I think part of 1092 00:52:59,840 --> 00:53:02,920 Speaker 1: it is just really yeah, like letting them over here 1093 00:53:03,160 --> 00:53:05,520 Speaker 1: some of the things that you're doing and behaving in 1094 00:53:05,560 --> 00:53:08,239 Speaker 1: a way in which you want them to imitate. And 1095 00:53:08,280 --> 00:53:11,440 Speaker 1: so yeah, I think those conversations are important, but I 1096 00:53:11,440 --> 00:53:14,880 Speaker 1: think the um living a life with your money that 1097 00:53:14,960 --> 00:53:17,799 Speaker 1: you want them to imitate is probably even more important. Yeah, 1098 00:53:17,800 --> 00:53:19,520 Speaker 1: I think it's helpful for them to see us talking 1099 00:53:19,560 --> 00:53:22,000 Speaker 1: about money where we're not fighting, when when we're just 1100 00:53:22,040 --> 00:53:25,600 Speaker 1: having very level headed, cool headed conversations about it, where 1101 00:53:25,600 --> 00:53:27,640 Speaker 1: we're talking about the different goals that we have, things 1102 00:53:27,640 --> 00:53:30,520 Speaker 1: that we're working towards. UM. And so, yeah, modeling is great, 1103 00:53:30,520 --> 00:53:32,480 Speaker 1: I will say too. One of the things that we've 1104 00:53:32,480 --> 00:53:35,000 Speaker 1: done now for I don't know, several several months, maybe 1105 00:53:35,000 --> 00:53:37,319 Speaker 1: close to a year now with Vye is trying to 1106 00:53:37,360 --> 00:53:40,560 Speaker 1: teach her about investing, and the longer that she keeps 1107 00:53:40,600 --> 00:53:44,439 Speaker 1: money in her account, she earns money from me, uh 1108 00:53:44,480 --> 00:53:47,080 Speaker 1: in earned interest. And that's something that I think it's 1109 00:53:47,080 --> 00:53:50,440 Speaker 1: starting to stick where every Saturday I'm paying her somewhere 1110 00:53:50,440 --> 00:53:52,080 Speaker 1: between two and two and a half percent on the 1111 00:53:52,120 --> 00:53:54,359 Speaker 1: money that she has set aside. So she that money 1112 00:53:54,400 --> 00:53:59,479 Speaker 1: compounds weekly, y'all. So she's gonna be loaded. But because 1113 00:53:59,520 --> 00:54:01,160 Speaker 1: at the same time, al I don't pay that, amull 1114 00:54:01,200 --> 00:54:04,320 Speaker 1: try not. They don't now that is the stock market, 1115 00:54:04,920 --> 00:54:07,759 Speaker 1: but making it tangible and real enough to where it's 1116 00:54:07,800 --> 00:54:10,839 Speaker 1: something that they get without getting too extravagant, right, because 1117 00:54:10,880 --> 00:54:13,560 Speaker 1: I remember as a kid and seeing the pidoli amount 1118 00:54:13,600 --> 00:54:16,000 Speaker 1: that I was earning on like a hundred bucks that 1119 00:54:16,080 --> 00:54:19,560 Speaker 1: the bank was paying and just not carrying a lick 1120 00:54:19,719 --> 00:54:21,520 Speaker 1: because I'm seeing this and it's just I mean, it 1121 00:54:21,600 --> 00:54:23,600 Speaker 1: was changed, it's just sense. And even as a little kid, 1122 00:54:23,600 --> 00:54:25,840 Speaker 1: I remember thinking I can't do anything with that. Are 1123 00:54:25,880 --> 00:54:28,800 Speaker 1: you kidding me? As opposed to having your money actually 1124 00:54:28,840 --> 00:54:31,040 Speaker 1: earned money, I think that's something that's it's definitely a 1125 00:54:31,120 --> 00:54:33,800 Speaker 1: lesson that I'm looking to make sure that the kids 1126 00:54:34,000 --> 00:54:36,879 Speaker 1: kind of grasp at an at an earlier age than later. 1127 00:54:36,960 --> 00:54:40,080 Speaker 1: I think it's really important because money can do a 1128 00:54:40,120 --> 00:54:42,960 Speaker 1: lot of hard work for you, and so helping your 1129 00:54:43,040 --> 00:54:45,520 Speaker 1: kids understand that early on is like a really important 1130 00:54:45,520 --> 00:54:47,239 Speaker 1: concept that you wanted to get. And it's fine if 1131 00:54:47,239 --> 00:54:49,040 Speaker 1: if she doesn't want to, like if she I don't 1132 00:54:49,040 --> 00:54:51,759 Speaker 1: know if you're being literal with the Barbie Dreamhouse, but 1133 00:54:51,920 --> 00:54:56,680 Speaker 1: whatever it was, it is, but it's the real deal. 1134 00:54:56,360 --> 00:54:59,640 Speaker 1: Actually she's looking for that awesome, But like Evy, she 1135 00:54:59,680 --> 00:55:02,200 Speaker 1: doesn't still have something that she's looking to buy right now, 1136 00:55:02,239 --> 00:55:03,759 Speaker 1: and so but when the time comes, I'm going to 1137 00:55:03,840 --> 00:55:06,200 Speaker 1: be excited for her to kind of be torn a 1138 00:55:06,200 --> 00:55:08,759 Speaker 1: little bit, right because in those moments where she has 1139 00:55:08,800 --> 00:55:11,640 Speaker 1: that desire to want to spend a hundred bucks because 1140 00:55:11,680 --> 00:55:13,080 Speaker 1: she has more than a hundred bucks right now, save 1141 00:55:13,080 --> 00:55:16,319 Speaker 1: it up, but where she feels that desire to be 1142 00:55:16,360 --> 00:55:18,719 Speaker 1: parted without money and buy that thing, or on the 1143 00:55:18,719 --> 00:55:20,560 Speaker 1: other hand, she's looking at how much her money is 1144 00:55:20,600 --> 00:55:23,400 Speaker 1: able to earn her an interest. I'm looking forward to 1145 00:55:23,400 --> 00:55:24,879 Speaker 1: that moment because we haven't even gotten to that part, 1146 00:55:24,960 --> 00:55:26,799 Speaker 1: like I feel like so far. But she has said 1147 00:55:27,200 --> 00:55:29,919 Speaker 1: she will buy a ticket to Paris, and I've told 1148 00:55:29,920 --> 00:55:33,200 Speaker 1: her if she purchases she has enough money to purchase 1149 00:55:33,200 --> 00:55:35,879 Speaker 1: the ticket to Paris, that we will go nice, nice, 1150 00:55:36,440 --> 00:55:39,239 Speaker 1: And she's very close, y'all. We might be going to 1151 00:55:39,320 --> 00:55:44,480 Speaker 1: that is like her Barbie Dreamhouse equivalent. H that's awesome, 1152 00:55:44,800 --> 00:55:46,719 Speaker 1: that's great. I hate a great her that's going to 1153 00:55:46,840 --> 00:55:52,080 Speaker 1: be way less impressive than she thinks it will be amazing. 1154 00:55:52,560 --> 00:55:54,480 Speaker 1: That's one of the things that holds up maybe as 1155 00:55:54,480 --> 00:56:00,040 Speaker 1: a kid. It's it's held up during some champagne and 1156 00:56:00,160 --> 00:56:02,800 Speaker 1: looking at the dwinkling lights and this is greatly cool. 1157 00:56:02,920 --> 00:56:04,960 Speaker 1: But I don't know, there's a number of things that 1158 00:56:05,280 --> 00:56:07,640 Speaker 1: are the It's not like Not Rushmore, right, Like Mount 1159 00:56:07,680 --> 00:56:12,279 Speaker 1: Rushmore sucks, right, Like nobody's oppressed with that. It's just like, oh, 1160 00:56:12,320 --> 00:56:16,040 Speaker 1: it's you're gonna get some listener comments on that. Nobody 1161 00:56:16,120 --> 00:56:19,960 Speaker 1: likes Not Rushmore. It's it's so far away, it's such 1162 00:56:19,960 --> 00:56:22,480 Speaker 1: a long drive. It's why they even do it anyway, Like, 1163 00:56:22,520 --> 00:56:26,200 Speaker 1: come on, it's totally weird. I'm not saying like tear 1164 00:56:26,200 --> 00:56:28,120 Speaker 1: it down or a car of over like that, like 1165 00:56:28,320 --> 00:56:30,399 Speaker 1: leave it there, that's fine. I'm just saying I think 1166 00:56:30,440 --> 00:56:32,960 Speaker 1: a lot of folks are a little disappointed. I'm sorry 1167 00:56:33,040 --> 00:56:36,320 Speaker 1: I lumped the Eiffel Tower into that category. Maybe I 1168 00:56:36,320 --> 00:56:38,160 Speaker 1: should stop talking. We should we should end this episode 1169 00:56:38,160 --> 00:56:40,279 Speaker 1: because actually, here I can borrow some money from heavy, 1170 00:56:40,360 --> 00:56:44,120 Speaker 1: so let's do it. Yeah. So on this episode, we 1171 00:56:44,280 --> 00:56:48,760 Speaker 1: enjoyed a flume No, a plume of many hues. Uh, 1172 00:56:48,800 --> 00:56:51,280 Speaker 1: this is a beer by Hot Butcher for the world. 1173 00:56:51,640 --> 00:56:53,520 Speaker 1: What were you What were your thoughts on it? Because 1174 00:56:54,239 --> 00:56:56,480 Speaker 1: I can't taste anything. We didn't share this but I 1175 00:56:56,600 --> 00:57:00,200 Speaker 1: am recovering from COVID and I literally can't taste anything anymore. 1176 00:57:00,480 --> 00:57:03,279 Speaker 1: But yeah, what were you all thoughts? This great beer 1177 00:57:03,360 --> 00:57:05,880 Speaker 1: was wasted on you, my friend. I still enjoyed the 1178 00:57:06,440 --> 00:57:10,200 Speaker 1: It's great you did. Yes, it's good. It was hoppy, 1179 00:57:10,280 --> 00:57:12,640 Speaker 1: but not too hoppy. It's also kind of light. It's like, 1180 00:57:12,719 --> 00:57:16,080 Speaker 1: you know, it's some happiness, but it's like a mellow ip, 1181 00:57:16,680 --> 00:57:19,760 Speaker 1: very mellow. I pa, I agree, bright, citrusy, but chill, 1182 00:57:20,280 --> 00:57:23,040 Speaker 1: uh not really that New England hazy actually going on, 1183 00:57:23,440 --> 00:57:26,880 Speaker 1: not overpowering. These guys are drinkable for an afternoon. I 1184 00:57:26,920 --> 00:57:29,320 Speaker 1: feel like everything I've had from Hot Butcher has been 1185 00:57:29,600 --> 00:57:33,480 Speaker 1: just kind of like on point and just really dialed in. 1186 00:57:33,560 --> 00:57:36,240 Speaker 1: It's got a lot of nice flavors without being overpowering 1187 00:57:36,280 --> 00:57:39,040 Speaker 1: in any one way. So plus, with a name like 1188 00:57:39,200 --> 00:57:41,439 Speaker 1: hot Butcher for the World just I don't know, it's 1189 00:57:41,600 --> 00:57:44,480 Speaker 1: at the same time, it's very grand, it's like, oh, 1190 00:57:44,560 --> 00:57:47,440 Speaker 1: for the world, but it's also very small towny, like 1191 00:57:47,480 --> 00:57:49,360 Speaker 1: a hot butcher you think of like a meat butcher, 1192 00:57:49,800 --> 00:57:52,280 Speaker 1: you know, you think about where a place where you 1193 00:57:52,280 --> 00:57:55,480 Speaker 1: know everybody, including your hot butcher, like Sam the butcher 1194 00:57:55,520 --> 00:57:59,520 Speaker 1: from the Brady much exactly. Yeah, somehow it encompasses both. 1195 00:57:59,640 --> 00:58:01,840 Speaker 1: But I'm glad that y'all got to enjoy this beer 1196 00:58:02,240 --> 00:58:04,840 Speaker 1: during this episode. I enjoyed it a little bit. Thanks 1197 00:58:04,880 --> 00:58:06,920 Speaker 1: for coming on. It's always fun to get to challenge. 1198 00:58:07,200 --> 00:58:10,240 Speaker 1: Thank you, thank you, You're welcome. All right, so we 1199 00:58:10,280 --> 00:58:12,240 Speaker 1: wrap it up next week. We'll go back to normal 1200 00:58:12,280 --> 00:58:15,080 Speaker 1: episodes with yeah, just do and me sadly for everyone else. 1201 00:58:15,760 --> 00:58:17,600 Speaker 1: But now you have some new topics to cover, right, 1202 00:58:17,720 --> 00:58:22,040 Speaker 1: you do, so we'll get on that sexpert immediately. We'll 1203 00:58:22,040 --> 00:58:24,439 Speaker 1: add it to the shortlist, all right. All right, Well, 1204 00:58:24,480 --> 00:58:28,080 Speaker 1: thanks for listening, y'all, and until next time, best Friends Out, 1205 00:58:28,120 --> 00:58:29,320 Speaker 1: Best Friends Out.