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

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Speaker 1: I'm Emily, I'm Kate, and today we're talking about approaching

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Speaker 1: money well with your partner. Yeah, Joel, this is the

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Speaker 1: episode that we're finally going to have our wives And

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Speaker 1: we've talked about this now for maybe a couple of

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Speaker 1: months that we do need to do this, and we

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Speaker 1: actually are doing it now. We're at the beach and

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Speaker 1: we've had like five days now that we've spent either

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Speaker 1: at the beach, we're at the pool, and uh, we're

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Speaker 1: finally gonna do a little bit of work makes I'm

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Speaker 1: working there with some of that play. Yeah, we got

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Speaker 1: a little bit of sunburn action going on. Our kids

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Speaker 1: have maybe even more sunburn, but um yeah, super fun

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Speaker 1: beach vacation as a family, tons of little kids running around.

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Speaker 1: But we're so thankful to have this time together and

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Speaker 1: so thankful to have our wives on the show today.

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Speaker 1: So Emily, Kate, thanks for joining us on the podcast.

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Speaker 1: You're welcome. They're a little shy that they don't get

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Speaker 1: on the podcast very often, so we have done this

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Speaker 1: once before a couple of years ago. Don't go back,

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Speaker 1: and that was awesome. I feel like it was. It

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Speaker 1: went so well, and that's honestly why we've been wanting

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Speaker 1: to do this again ever since then. We didn't go

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Speaker 1: to the beach together with you guys last summer. It

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Speaker 1: was two summers ago that we went to the beach together.

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Speaker 1: We decided to record an episode with y'all on to

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Speaker 1: talk about couples and money and finance and so yeah,

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Speaker 1: we we I think we both really missed having that

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Speaker 1: trip together with both of our families last summer. Uh

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Speaker 1: so we definitely got that trip on the counter, but

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Speaker 1: we also knew we were going to record as well. Yeah,

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Speaker 1: and on this episode, Matt, we're going to get to

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Speaker 1: some Facebook questions that our listeners submitted which are gonna

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Speaker 1: really form the basis for this episode. But but we

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Speaker 1: are of course having a craft beer on this episode

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Speaker 1: with our wives. Today on the show, we're drinking a

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Speaker 1: beer called Road Full of Promise. It's a double New

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Speaker 1: England I p a from our friends at Monday Night

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Speaker 1: Brewing who always turn out good stuff. And we'll see

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Speaker 1: if this one is good too. And normally you get

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Speaker 1: two opinions at the end of the episode, but there

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Speaker 1: before this time. Well on that note, right, every episode

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Speaker 1: that we do, when we interview a guest, we always

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Speaker 1: ask them what they're splurges, like what is their craft

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Speaker 1: beer equivalent? Because you know, craft beer, that's one of

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Speaker 1: the things that we spend decent money on. One of

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Speaker 1: the first questions we had was from Lauren, and she asked,

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Speaker 1: what is your craft beer equivalent? She wants to know

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Speaker 1: what it is that you ladies like to spend money on.

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Speaker 1: That is a great question. It's I'm trying to think

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Speaker 1: what do I really splurge on um and have to

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Speaker 1: say probably like products like facial products, expensive serums, non

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Speaker 1: drug store shampoo. Were talking like snake Owys expensive serums,

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Speaker 1: so you'll like the nine nine cents um you joke.

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Speaker 1: But we do have a bottle of that in our shower,

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Speaker 1: the roll bought one time that we just couldn't use

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Speaker 1: because no, I I use it. I don't care about shampoo.

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Speaker 1: You're the one who sportes on shampoo, which is great.

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Speaker 1: I'm glad that that's something you enjoy. I will say

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Speaker 1: too that I use that same shampoo and I use

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Speaker 1: it as my shampoo and my body wash. So I'm

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Speaker 1: like one of those guys that just two for one,

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Speaker 1: there's no need to have a separate soap from my body.

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Speaker 1: It's all the same in my opinion, but obviously not sure. No,

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Speaker 1: in my opinion, they should be different and probably expensive.

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Speaker 1: All right, Kate, what's your splurge? Probably our front yard garden.

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Speaker 1: I have spent a good amount of money on that

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Speaker 1: this year, and just in water alone, it's quite the splurge.

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Speaker 1: But it is a piece of my mental health and

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Speaker 1: it's a lot of our daily activities with the girls,

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Speaker 1: and it's something that I really enjoy, I really love,

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Speaker 1: and so that's where my money goes. I bought some

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Speaker 1: fancy seeds, fancy heirloom seeds, so it's a beautiful garden.

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Speaker 1: It's very expensive. Yeah, you know, well that's something we've

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Speaker 1: talked about on the show before, how it's not necessarily

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Speaker 1: a garden that we are growing vegetables in because it's

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Speaker 1: more efficient from a money standpoint. It actually costs more

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Speaker 1: money to grow these vegetables and to grow these flowers

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Speaker 1: versus just going to Aldi or wherever we normally go

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Speaker 1: to buy groceries. But yeah, I mean the fact that

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Speaker 1: we have kids at home now during the pandemic, like

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Speaker 1: there is a lot that we're gaining from that garden,

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Speaker 1: whether it be for some piece and quiet, just to

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Speaker 1: be able to get outside and work in the garden stune,

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Speaker 1: but also too, like you spent a lot of time

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Speaker 1: teaching the girls you know, about vegetables and like where

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Speaker 1: our food comes from and kind of the work that

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Speaker 1: goes into it. So it's justified, Okay, totally alright. So

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Speaker 1: on that note, next question, Tom says, what's the most

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Speaker 1: non frugal thing you guys do as a couple that

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Speaker 1: you feel guilty about, but do anyway? So I say,

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Speaker 1: Matt and Kate y'all are our first, Well, I'll go

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Speaker 1: ahead and share man for us, Like, we don't necessarily

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Speaker 1: feel guilty about this, but we just got done renovating

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Speaker 1: our home, and we spent a chunk of money renovating

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Speaker 1: our house, and not necessarily to get it to be

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Speaker 1: super high end and super fancy, but in order for

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Speaker 1: it to have the accommodations I guess that we're looking

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Speaker 1: for in our home to have the utility that we're

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Speaker 1: hoping to have. And I think some folks would like

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Speaker 1: say that we're borderline house poor a little bit, right,

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Speaker 1: because so much of our money has gone towards our house.

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Speaker 1: But for us, I think you would say, okay, like

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Speaker 1: it's I mean, it's been worth every single penny that

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Speaker 1: we've put into it. And it's not something that I

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Speaker 1: would necessarily recommend for lots of folks, but for us,

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Speaker 1: it's been worth every single penny. Okay, Yeah, I absolutely agree.

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Speaker 1: The utility that we are getting out of that new

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Speaker 1: space is amazing. So yes, we did spend a lot

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Speaker 1: of money on that, and sometimes we did feel this

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Speaker 1: seems like a little bit crazy, but we're very glad

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Speaker 1: that it's done. All right. What's our big explores that

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Speaker 1: we feel guilty about him? Well, I feel like I'm

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Speaker 1: stealing their answer, but I think it's a house related

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Speaker 1: as well. Like there's a lot of little projects and

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Speaker 1: I don't particularly consider us a fixer upper people. So

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Speaker 1: we painted. We paid someone to paint the house last summer,

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Speaker 1: which is great, and like little projects here and there

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Speaker 1: that we've spent money on that maybe we could have

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Speaker 1: done ourselves, but we've just paid someone to come in

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Speaker 1: and do it. Yeah, those spurges like that also to

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Speaker 1: we live in a neighborhood with a bunch of old homes.

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Speaker 1: We live in incredibly old homes, and just the choice

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Speaker 1: to live in a home that's a hundred years old

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Speaker 1: means by default that you're going to spend more money

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Speaker 1: on your house, and that's something that we've all kind

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Speaker 1: of chosen to do. We're thankful that we live in

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Speaker 1: these just awesome old homes, but they do require a

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Speaker 1: little more upkeep, and um, I'm willing to also, I

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Speaker 1: agree with you, feel a little guilty and spend the

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Speaker 1: money to hire somebody to do some of these things.

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Speaker 1: Often times that means that we're able to spend more

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Speaker 1: time together as a family because we're not necessarily doing

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Speaker 1: all the house projects ourselves. But yeah, that's something that

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Speaker 1: sometimes I do feel a little guilty about, but I

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Speaker 1: think it's worth it in the end. Also, maybe take out.

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Speaker 1: I always feel a little bit guilty when we order

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Speaker 1: to take out, but I love to order to take out. Yeah. Nice,

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Speaker 1: All right, let's keep moving along, Justine, She asks, how

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Speaker 1: do you feel about your husband's sharing personal financial details

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Speaker 1: on a podcast? What are some perspectives and details that

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Speaker 1: your husband's share that you have a different take on? Uh,

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Speaker 1: And I guess I'll Emily, I'll go ahead and kick

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Speaker 1: this to you're already laughing, so maybe you've got something

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Speaker 1: in mind. This is a fun little question. I will

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Speaker 1: actually confess that I don't always listen to the podcast,

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Speaker 1: so I don't always know what gets hey man, I

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Speaker 1: can't blame her. We put out three episodes a week.

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Speaker 1: It's a lot of content. She also already has pretty

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Speaker 1: much heard everything I have to say, So yeah, I

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Speaker 1: feel like I get it. Why would I listen to

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Speaker 1: a podcast my husband talking more? Right, I've already I've

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Speaker 1: already heard the story. Although there has been some funny incidents,

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Speaker 1: is where someone's coming up and been like, oh, I

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Speaker 1: heard you refinance your house or whatnot? Tell me about that,

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Speaker 1: And I am clueless as to how they knew about

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Speaker 1: that until I remember the podcast, like, wait, we refinanced

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Speaker 1: our house. I was sure I didn't know that I

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Speaker 1: shared that. Whether she wouldn't have life insurance? What? I

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Speaker 1: think that really was an episode one time. I feel

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Speaker 1: I feel okay with what you guys share, you know,

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Speaker 1: and what we do. I feel like that's part of

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Speaker 1: the podcast, and I'm happy to talk about our experience

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Speaker 1: and have others learned from it, for for better or

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Speaker 1: for worse. And I think as far as what's different

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Speaker 1: than what's shared. I mean this is true in life

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Speaker 1: in general. But things always sound real nice on paper

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Speaker 1: and being frugal is such a good thing in so

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Speaker 1: many ways, but you know, in the daily life to life,

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Speaker 1: it looks like being a little bit cold in the

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Speaker 1: winter because you don't want to turn on your heat,

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Speaker 1: are sweating in the summer because you don't want to

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Speaker 1: turn on the air, or you know, just funny little

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Speaker 1: quirky things like that that it always sounds good when

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Speaker 1: you hear it talked about, but plays out a little

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Speaker 1: different in reality sometimes. So just like the perception of

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Speaker 1: like some of the cheap things that both probably do.

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Speaker 1: I mean, I think you and I both do some

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Speaker 1: cheap things that like when you and I get together,

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Speaker 1: we say, oh, yeah, of course we would do that.

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Speaker 1: That's that's how you save money. But then maybe to

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Speaker 1: others it's kind of like, oh, those are those guys

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Speaker 1: are really cheap? I feel bad for their wives. Yeah,

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Speaker 1: Like for example, when I need shampoo and Joel comes

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Speaker 1: back with you know, the suave and then it gets

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Speaker 1: in the kid's eyes and they're crying because I don't

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Speaker 1: know what's in it. But like apparently it makes them hysterical,

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Speaker 1: and then yeah, that's true, and then my hair is

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Speaker 1: frizzy and I just look like a mess. And you

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Speaker 1: think if we had just been a little bit more

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Speaker 1: in shampoo, we would all been Okay. Guilty is charged?

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Speaker 1: What about y'all, Well, there are certain things that we've

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Speaker 1: talked about not sharing on the podcast quite yet, just

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Speaker 1: things that like, this is a slow process for me.

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Speaker 1: I'm not as open of a person as Matt, and

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Speaker 1: so we've talked about a few things that or he's

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Speaker 1: asked me about a few things before sharing them on

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Speaker 1: the podcast to make sure that I'm okay with it, which, yeah,

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Speaker 1: I really appreciate it. And so I feel similarly to Emily,

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Speaker 1: and if it's helpful for somebody, I am generally okay

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Speaker 1: with it being shared. Um, don't really have anything to hide.

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Speaker 1: It's just a privacy thing for me sometimes. So you're

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Speaker 1: okay with us talking about the fact that you guys

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Speaker 1: wanted a lottery recently, right, Okay? Making sure and Um,

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Speaker 1: when it comes to perspectives that Matt and I differ on,

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Speaker 1: I think probably the easiest way to say that would

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Speaker 1: be I advocate for us being for simplicity, And so

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Speaker 1: Matt tends to look at numbers very closely and take

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Speaker 1: advantage of all the ways that we can maximize different things.

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Speaker 1: And I tend to advocate for let's just let that

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Speaker 1: go and not make that extra one percent, and let's

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Speaker 1: simplify things. Save your mental energy for something else, right,

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Speaker 1: instead of only looking at things and doing things by

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Speaker 1: the numbers you're looking You're talking about how sometimes we

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Speaker 1: are looking at things from the standpoint of like how

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Speaker 1: can this make our life more simple? How can it

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Speaker 1: make our life a little easier? And when you have

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Speaker 1: four kids, I mean you're looking for ways to streamline, right,

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Speaker 1: I mean I hear I hear that in what you

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Speaker 1: guys said. As well as far as paying for services,

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Speaker 1: it's like this amplifies our life and that it gives

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Speaker 1: us time back with our family. I see that as amazing, right,

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Speaker 1: Like that's just a really valuable thing. And so yeah,

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Speaker 1: I appreciate that. I appreciate that you bring that to

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Speaker 1: our relationship because I know that if it was just

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Speaker 1: up to me, it probably would just be about the numbers.

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Speaker 1: It's like efficiency in numbers, tell all, uh, never mind

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Speaker 1: everything else that that goes into you know what actually

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Speaker 1: makes up life. So I'm glad that that's something that

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Speaker 1: you're able to bring to our relationship. All right, let's

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Speaker 1: not get too gooey here, okay, okay, Yeah, So on

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Speaker 1: that note, Alex, he wanted to know, like, what's something

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Speaker 1: that you value very differently from your partner and how

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Speaker 1: did the two of you handle that difference when it

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Speaker 1: comes to your finances, Emily, do you have something like

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Speaker 1: that in mind for for you and Joel? Oh? Definitely.

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Speaker 1: I would say I value convenience at the end of

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Speaker 1: the day, and if something costs a little bit more

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Speaker 1: money but it's efficient or quick or just sometimes the

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Speaker 1: easiest solution, I will definitely take it. Case in point tonight,

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Speaker 1: I was like, no, but he needs to go to

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Speaker 1: the grocery store. Let's just go to the snack bar.

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Speaker 1: I will fade my kids notches. We will be fine.

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Speaker 1: And obviously we didn't do that was great, great call.

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Speaker 1: Let's go and cook dinner and we were well fed

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Speaker 1: for a great meal and much cheaper. Or you know,

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Speaker 1: I'm just more willing to buy something that I've had

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Speaker 1: my eye on, and Joel's more willing to shop around

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Speaker 1: for it or wait like a year and a half

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Speaker 1: gets cheaper. It's cheap enough where I feel like I

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Speaker 1: can actually purchase wait till there's a new one out

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Speaker 1: and that one, but now the old one exactly all right,

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Speaker 1: And so let's keep talking about couples of finance. There.

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Speaker 1: There are some interesting questions, by the way, later on

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Speaker 1: in the episode about how we talked to our kids

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Speaker 1: about money that were that were excited to get to.

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Speaker 1: But Andrew asks, was there ever a point in your

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Speaker 1: marriage where one of you guys ever felt overwhelmed by

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Speaker 1: the other being obsessed with finances? My wife sometimes gets

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Speaker 1: annoyed with how often I talk about finances and trying

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Speaker 1: to find new techniques of saving, such as changing cell

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Speaker 1: phone plans or insurance or asking about financial goals, and

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Speaker 1: like those sorts of things. Andrew he fit in with us.

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Speaker 1: So how do you how do you find that happy

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Speaker 1: medium in your relationship? Andrew, your wife and I should

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Speaker 1: be friends. I'm sure we would have a lot to

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Speaker 1: talk about, some survivor tips. I mean, yes, there are

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Speaker 1: definitely points in our marriage where your thoughtfulness, I will say,

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Speaker 1: about money takes up time and space. And it's just

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Speaker 1: a different way of thinking than than how I would

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Speaker 1: think about it. So sometimes it is annoying, just like

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Speaker 1: another thing that I do that Annoygeal. I think in

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Speaker 1: the end very grateful that it contributes to the big

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Speaker 1: picture of being able to save money and get to

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Speaker 1: where we want to be in the large picture. Um,

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Speaker 1: but yeah, there are times it's it's annoying to have

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Speaker 1: to switch cell phone plans. We did that this year,

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Speaker 1: and it was last year, last year. But but in particular,

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Speaker 1: I think early on in our marriage was was when

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Speaker 1: you were the most overwhelmed because I was really bad

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Speaker 1: at communicating it. Like I knew in my head what

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Speaker 1: I wanted to accomplish, and I didn't have a good

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Speaker 1: way of talking to you about it. And so I

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Speaker 1: know that that you felt overwhelmed quite a bit when

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Speaker 1: it came to money stuff, just because I didn't know

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Speaker 1: how to talk about it well with you. And I

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Speaker 1: think that's something that we've grown in, you know, married

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Speaker 1: almost ten years now, that's something that we've grown in

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Speaker 1: quite a bit, and I've gotten at least a little

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Speaker 1: bit mature and talking to you about money and kind

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Speaker 1: of why I'm doing some of the things that I'm

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Speaker 1: doing or why i want us to think about money

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Speaker 1: or how we spend it or how we save it

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Speaker 1: in a certain way. Yeah, I'll say I think parameters

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Speaker 1: around those differences has been really helpful. Like I wanted

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Speaker 1: a new pair of tennis shoes, and I knew what

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Speaker 1: I wanted and could have ordered him right then, but

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Speaker 1: Joel wanted to look around, and so I said, here's

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Speaker 1: twenty four hours to look around and find me a deal.

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Speaker 1: And then I'm ordering a pair of tennis shoes and

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Speaker 1: it and it's great. And he found actually a great

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Speaker 1: deal on tennis shoes that I really liked within twenty

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Speaker 1: four hours. So at just those kind of boundaries have

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Speaker 1: really helped us meet somewhere in the middle for me

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Speaker 1: to say, I really want this, it's important. Can we

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Speaker 1: do it by then? And then kind of give you

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Speaker 1: the space to do what you want to do. Yeah? Nice? Yeah, Okay,

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Speaker 1: what about you? Do you feel that there there's a

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Speaker 1: way that we've sort of met in the middle a

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Speaker 1: little bit. Yeah. I don't think I would ever have

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Speaker 1: described you as obsessed with finances. I'm a pretty balanced guy, right,

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Speaker 1: you have other things that you're interested in. You you're

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Speaker 1: just like learning, so you have all of these hobbies

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Speaker 1: that you want to just learn more about, and finance

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Speaker 1: is just one of those. So it's not like Matt's

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Speaker 1: constantly talking about finance around the house. I think that's

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Speaker 1: intentional also because we don't want to model for our

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Speaker 1: kids that that's the most important thing and that's the

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Speaker 1: thing we like to talk about the most, so we

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Speaker 1: don't talk about it all the time. I also think

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Speaker 1: that Matt has probably realized at this point that it's

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Speaker 1: not actually good for our relationship for him to talk

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Speaker 1: about anything that much. So like he can't even talk

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Speaker 1: about bikes obsessively, I'm going to get annoyed, or like gardening,

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Speaker 1: he can talk about gardening of anything constant, Like I

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Speaker 1: need space and time to hear what's being said and

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Speaker 1: form a thoughtful response or opinion. So anything that's talked

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Speaker 1: about constantly is overwhelming for me. So that's just a

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Speaker 1: communication thing for us. So we do talk about finances

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Speaker 1: a good bit, but it's usually at a set time

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Speaker 1: and we kind of go into that conversation knowing what

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Speaker 1: we're going to discuss, so that it isn't something that's

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Speaker 1: like this constant flood and I feel constantly underwater trying

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Speaker 1: to keep up with the newest whatever in finance. So

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Speaker 1: I appreciate that. I think that's something that has taken

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Speaker 1: us years to come to because there have been times

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Speaker 1: when we talked about finances too much and it was

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Speaker 1: too hard for me about too overwhelming. So I sympathize

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Speaker 1: with this guy's wife. I don't know that that's the

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Speaker 1: answer Andrew is looking for. Yeah, I mean, I think

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Speaker 1: part of the answer to is is not necessarily like

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Speaker 1: meeting in the middle and compromising, but almost finding an

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Speaker 1: appreciation for what the there is bringing to that relationship, right,

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Speaker 1: And so like Emily, what I'm hearing you is like like, yes,

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Speaker 1: you've set parameters, like you've said a time limit, but

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Speaker 1: it's in the end you've been able to appreciate and

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Speaker 1: realize what it is that Joel is going for, which

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Speaker 1: is like he wants you to have the shoes. He

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Speaker 1: just wants you to get him on sale. Uh. And

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Speaker 1: so it's it's not like he's trying to find a deal,

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Speaker 1: maybe less than he was before, but it's sort of

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Speaker 1: like I don't know, just appreciating maybe what the other person,

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Speaker 1: what it is that they're seeking. After I feel like

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Speaker 1: I can really help. Yeah. I think at times in

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Speaker 1: those discussions it felt like to Emily that I didn't

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Speaker 1: want her to do something or to have something, and

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Speaker 1: I was like, no, that's not it like and so

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Speaker 1: we Yeah, those were the kind of discussions that we

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Speaker 1: had to have so she could see my intention and

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Speaker 1: what what I was thinking behind the scenes, and that

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Speaker 1: just had to come out in order for us to

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Speaker 1: have productive discussions about money. Nice. And then one last

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Speaker 1: question here in this first section before we before we break,

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Speaker 1: but Cynthia, she wonders, how do you balance different approaches

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Speaker 1: and interest levels in money management so that one partner

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Speaker 1: doesn't carry the burden or seems like the final decision

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Speaker 1: maker on everything. Emily, I'm glad to pitch this one

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Speaker 1: over to you first. I think we strike the balance

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Speaker 1: through communication largely. And I think also because I have

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Speaker 1: to notice um and be aware that some things that

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Speaker 1: I want are emotional or personal or sensitive, and I

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Speaker 1: have to just communicate what those items mean to me.

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Speaker 1: I think when we spend money on him, or when

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Speaker 1: maybe he wouldn't want to pull the trigger and spend

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Speaker 1: money on that and I would, and we just kind

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Speaker 1: of have to communicate through that. I think we also

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Speaker 1: strike a balance is that there's some categories that are

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Speaker 1: just black and white that are really helpful, like how

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Speaker 1: much do we want to spend on children's clothes or

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Speaker 1: the grocery budget that we're trying to aim for, So

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Speaker 1: that helps, and then we just spend time communicating over

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Speaker 1: what it is we need, what we want or then

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Speaker 1: for a while, I was the one who tracked all

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Speaker 1: the budgets and that felt overwhelming, and so we had

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Speaker 1: to communicate about that, and it kind of switched around

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Speaker 1: the way we did do it, so it is it's

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Speaker 1: not a constant dialogue and that I'm as interested in

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Speaker 1: it as a role, and so we're always talking about

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Speaker 1: finances as much as it is. We just kind of

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Speaker 1: have to sit down sometimes and have a meeting and

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Speaker 1: make sure we're on the same page over any spots

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Speaker 1: that we might have a difference on. Yes, family, I

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Speaker 1: completely agree with that. I think for us it's we

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Speaker 1: have a similar interest level in reaching our financial goals.

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Speaker 1: So we come to money management and to those conversations

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Speaker 1: with just different pieces of that puzzle. Matt comes with

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Speaker 1: all of the numbers, He does all of the bill

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Speaker 1: pay he does all of the categories, but the budget

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Speaker 1: was built together, and I come with like the family

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Speaker 1: dynamic portion of that or family culture portion of that conversation,

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Speaker 1: and so we can come together and put the the

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Speaker 1: money details with the family culture details and come to

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Speaker 1: some agreements together. So, yes, he is the money person

404
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Speaker 1: in our house, but it doesn't feel like he's the

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Speaker 1: final decision maker because he's the money person, um, and

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Speaker 1: we don't talk about all of our purchases. We have

407
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Speaker 1: categories for each child, we have categories for each other.

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Speaker 1: We have categories for entertainment and things like that, and

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Speaker 1: most of those categories I spend out of knowing what

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Speaker 1: we've budgeted for that without ever consulting Matt before I

411
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Speaker 1: make a purchase. Yeah, so there's a lot of things

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Speaker 1: that we do communicate on, like the overarching goals, but

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Speaker 1: then when it comes to like the the just the

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Speaker 1: day to day, month to month, you know, gritty details,

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Speaker 1: like we don't sit down and have a conversation at

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Speaker 1: the beginning of every month saying what should our entertainment

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Speaker 1: budget be this month? Or how much should we spend

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Speaker 1: on groceries? Um, Like, we that's just kind of automatic.

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Speaker 1: At this point. We've created a budget enough to where

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Speaker 1: this that's not an ongoing discussion. But yeah, when it

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Speaker 1: does come to some of these bigger goals and you

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Speaker 1: know what we're doing to achieve those goals, that is

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Speaker 1: something that we come together and we talk about. And

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Speaker 1: it's worth noting too. I would say that you don't

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Speaker 1: come to the you know, these conversations with one of

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Speaker 1: the family culture in mind, and I don't come to

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Speaker 1: the conversation with a pent of the money details. And

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Speaker 1: maybe it's more like, you know, like I might come

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Speaker 1: to it with maybe with money in mind and of

430
00:21:05,440 --> 00:21:07,800
Speaker 1: our family goals, and maybe it's you know, vice versa

431
00:21:07,880 --> 00:21:10,600
Speaker 1: with you, but obviously we both have some input on

432
00:21:10,640 --> 00:21:12,600
Speaker 1: what we want our family to look like as well

433
00:21:12,640 --> 00:21:15,080
Speaker 1: as the goals that we set. Yeah, I agree, I

434
00:21:15,080 --> 00:21:18,400
Speaker 1: would I always welcome a conversation that is goal oriented.

435
00:21:18,600 --> 00:21:21,920
Speaker 1: And I hardly ever have a conversation with Matt when

436
00:21:21,960 --> 00:21:24,480
Speaker 1: it comes to like I want to buy something for

437
00:21:24,560 --> 00:21:28,280
Speaker 1: myself for something for the girls. It's just not part

438
00:21:28,280 --> 00:21:31,159
Speaker 1: of the conversation. We try to talk about the bigger

439
00:21:31,160 --> 00:21:32,800
Speaker 1: things that matter so we can save our energy for

440
00:21:32,880 --> 00:21:36,639
Speaker 1: other things, which is important because we have less energy

441
00:21:36,680 --> 00:21:40,520
Speaker 1: these days. Yeah, and I think too. It's helpful when

442
00:21:40,560 --> 00:21:43,720
Speaker 1: you're talking about how couples handle money, and how Emily

443
00:21:43,800 --> 00:21:46,800
Speaker 1: and I handle money together is kind of what our

444
00:21:46,920 --> 00:21:52,679
Speaker 1: individual strengths are. And so Emily is so much better at, uh,

445
00:21:52,720 --> 00:21:55,200
Speaker 1: the details than I am. I'm more of a big

446
00:21:55,240 --> 00:21:57,400
Speaker 1: picture of person. So I might have like the wacky

447
00:21:57,440 --> 00:22:00,800
Speaker 1: ideas or just kind of maybe a bit your move

448
00:22:00,840 --> 00:22:02,760
Speaker 1: I want us to think about, or a direction I

449
00:22:02,760 --> 00:22:05,720
Speaker 1: want us to pivot into. And she is so helpful

450
00:22:05,800 --> 00:22:11,040
Speaker 1: at one giving me the reasons why maybe my idealistic

451
00:22:11,119 --> 00:22:15,080
Speaker 1: or or overly optimistic ways of thinking, um, maybe in

452
00:22:15,119 --> 00:22:17,080
Speaker 1: the ways that they need to be challenged. And then

453
00:22:17,119 --> 00:22:20,000
Speaker 1: at the same time you're so good at the implementation

454
00:22:20,480 --> 00:22:24,280
Speaker 1: when we do decide to do something different. Yeah. So

455
00:22:24,320 --> 00:22:27,040
Speaker 1: I feel like it's really important when you're talking about

456
00:22:27,040 --> 00:22:29,880
Speaker 1: money with your significant other, like where are your strengths

457
00:22:29,960 --> 00:22:33,000
Speaker 1: and how can you help each other out when it

458
00:22:33,040 --> 00:22:37,280
Speaker 1: comes to handling paying the bills or thinking about the future.

459
00:22:37,640 --> 00:22:40,280
Speaker 1: And so Emily you handle the spreadsheets too, Like I

460
00:22:40,359 --> 00:22:44,600
Speaker 1: don't handle the spreadsheets I send you invoices for rental

461
00:22:44,640 --> 00:22:47,560
Speaker 1: property stuff. I'm day to day managing tenants and stuff

462
00:22:47,600 --> 00:22:50,120
Speaker 1: like that. But you're kind of handling those those other

463
00:22:50,200 --> 00:22:52,920
Speaker 1: parts that I hate doing and I'm not good at doing.

464
00:22:53,160 --> 00:22:56,520
Speaker 1: And so yeah, I think in any uh, conversation between

465
00:22:56,760 --> 00:22:58,760
Speaker 1: two people who love each other and want to handle

466
00:22:58,760 --> 00:23:01,080
Speaker 1: money well together, it's really import and to see which

467
00:23:01,080 --> 00:23:03,800
Speaker 1: strengths you have and which strengths your partner has, and

468
00:23:03,840 --> 00:23:05,480
Speaker 1: then kind of to fit them together in the best

469
00:23:05,520 --> 00:23:08,600
Speaker 1: way possible. Nice man, Well, these have been some awesome questions,

470
00:23:08,640 --> 00:23:10,639
Speaker 1: but I feel like even better answers from our wives.

471
00:23:10,680 --> 00:23:12,359
Speaker 1: And I also feel that we're we're kind of just

472
00:23:12,359 --> 00:23:17,240
Speaker 1: getting warmed up. It's a real different talking into microphone. Yeah,

473
00:23:17,280 --> 00:23:19,359
Speaker 1: y'all do it great. Uh. So we're gonna take some

474
00:23:19,400 --> 00:23:23,040
Speaker 1: more of these questions, specifically someone's having to do with kids.

475
00:23:23,080 --> 00:23:35,000
Speaker 1: We'll get to those right after this break. All right,

476
00:23:35,040 --> 00:23:37,840
Speaker 1: we're back from the break. We're talking about approaching money

477
00:23:37,880 --> 00:23:40,240
Speaker 1: well with your partner and Matt and I. We've brought

478
00:23:40,240 --> 00:23:43,280
Speaker 1: our our partners on this episode. My wife Emily sent

479
00:23:43,400 --> 00:23:46,440
Speaker 1: to my left. Uh, Matt, your wife, Kate. I guess

480
00:23:46,480 --> 00:23:48,679
Speaker 1: we should have said who our wives were at the beginning,

481
00:23:48,720 --> 00:23:50,600
Speaker 1: Like we said the names, but did we like link

482
00:23:50,680 --> 00:23:53,080
Speaker 1: them directly with us. So it's it's Matt and Kate,

483
00:23:53,520 --> 00:23:55,600
Speaker 1: it's Joel and Emily. That's right, there you go. So

484
00:23:55,840 --> 00:23:57,720
Speaker 1: so we've got some more questions. We're gonna get to

485
00:23:57,960 --> 00:24:01,359
Speaker 1: questions about raising kids and what that looks like and

486
00:24:01,440 --> 00:24:04,879
Speaker 1: how we handle money in light of raising children. But

487
00:24:05,119 --> 00:24:07,640
Speaker 1: the first question I wanted to make sure we hit

488
00:24:07,720 --> 00:24:11,240
Speaker 1: on what came from Megan. She said, what was or

489
00:24:11,440 --> 00:24:14,520
Speaker 1: is the most unexpected expense you guys have ever dealt with?

490
00:24:14,680 --> 00:24:17,560
Speaker 1: Oh geez, well, we've already talked about ours, which is

491
00:24:17,600 --> 00:24:21,120
Speaker 1: definitely our home renovation. I mean, we thought we knew

492
00:24:21,119 --> 00:24:23,280
Speaker 1: how much that was going to cost, and we were wrong.

493
00:24:24,080 --> 00:24:26,359
Speaker 1: So so basically it's not the fact that you you

494
00:24:26,400 --> 00:24:29,919
Speaker 1: budgeted for something, but obviously it went above and beyond right,

495
00:24:29,920 --> 00:24:33,000
Speaker 1: which were very unfamiliar with that feeling. Yeah, because normally

496
00:24:33,040 --> 00:24:34,919
Speaker 1: when it comes to budgets, like you, you stick with it.

497
00:24:34,960 --> 00:24:36,720
Speaker 1: But it's like a home renovation. When it comes to

498
00:24:36,800 --> 00:24:40,240
Speaker 1: just working with builders, they have no concept of sticking

499
00:24:40,240 --> 00:24:42,080
Speaker 1: to a budget. It's like, no, I'm sorry, Like we

500
00:24:42,119 --> 00:24:44,000
Speaker 1: can't do that anymore. It's like, but that's what that's

501
00:24:44,000 --> 00:24:47,280
Speaker 1: what we planned on. It's much different than managing a

502
00:24:47,320 --> 00:24:50,480
Speaker 1: household and having a budget. A renovation costs a lot

503
00:24:50,560 --> 00:24:53,359
Speaker 1: of money. So that yeah, that's that's definitely an easy one. Okay,

504
00:24:53,400 --> 00:24:57,720
Speaker 1: what's ours, m I would say maybe medical expenses just

505
00:24:58,320 --> 00:25:01,360
Speaker 1: sick kids or sick doctor visits. It's or child who

506
00:25:01,400 --> 00:25:03,960
Speaker 1: was constipated and I had to have a three X

507
00:25:04,040 --> 00:25:08,120
Speaker 1: ray to find out she was full of poop. So yeah,

508
00:25:08,160 --> 00:25:11,200
Speaker 1: those are that's life as a parent though, right, that's

509
00:25:11,200 --> 00:25:15,560
Speaker 1: a separate podcast. Hospital bill shock is the worst. It is.

510
00:25:15,720 --> 00:25:19,000
Speaker 1: So you can even say for unexpected medical expenses, but

511
00:25:19,080 --> 00:25:22,280
Speaker 1: it is always more expensive than you think. I remember

512
00:25:22,440 --> 00:25:25,920
Speaker 1: our middle child, we got a bill for her delivery.

513
00:25:26,000 --> 00:25:27,800
Speaker 1: You know, you get multiple bills, one for the doctor,

514
00:25:27,800 --> 00:25:30,320
Speaker 1: one from the hospital, blah blah blah blah blah. And

515
00:25:30,520 --> 00:25:33,720
Speaker 1: I distinctly remember getting one when after she had turned one,

516
00:25:34,040 --> 00:25:36,159
Speaker 1: she was eighteen months, and it was just I was like,

517
00:25:36,200 --> 00:25:39,000
Speaker 1: how is that even possible? I didn't think that that

518
00:25:39,040 --> 00:25:42,439
Speaker 1: could happen. But apparently the doctor's office doesn't have to

519
00:25:42,440 --> 00:25:44,200
Speaker 1: send you it the bill in her time and manner,

520
00:25:44,200 --> 00:25:46,439
Speaker 1: and so that six dollar bill showed up and I

521
00:25:46,480 --> 00:25:48,040
Speaker 1: was like, you gotta be kidding me, Like I thought

522
00:25:48,040 --> 00:25:50,320
Speaker 1: we had finished paying off her birth. So that that's

523
00:25:50,320 --> 00:25:53,560
Speaker 1: the biggest unexpected expense, I remember, but I think medical

524
00:25:53,600 --> 00:25:55,800
Speaker 1: bills are are high up there for sure for a

525
00:25:55,800 --> 00:25:59,040
Speaker 1: lot of people in this country, but definitely for our family. Dude,

526
00:25:59,080 --> 00:26:01,919
Speaker 1: don't even get it started with healthcare costs when it

527
00:26:01,920 --> 00:26:04,800
Speaker 1: comes to birth, specifically being self pay and being on

528
00:26:04,800 --> 00:26:08,159
Speaker 1: one of the health sharing plans. But uh so Lydia,

529
00:26:08,440 --> 00:26:11,040
Speaker 1: she has a question, and she asked, how did you

530
00:26:11,080 --> 00:26:14,480
Speaker 1: prepare financially for your wives to stay home when you

531
00:26:14,560 --> 00:26:17,919
Speaker 1: had children? What are some of the financial benefits of

532
00:26:17,960 --> 00:26:19,920
Speaker 1: having a stay at home parent? And Emily, I'll go

533
00:26:19,960 --> 00:26:21,520
Speaker 1: ahead and kick this one to you, because I feel

534
00:26:21,520 --> 00:26:23,240
Speaker 1: like a lot of folks are in that position where

535
00:26:23,680 --> 00:26:26,200
Speaker 1: they were both working out of home in two separate

536
00:26:26,240 --> 00:26:28,919
Speaker 1: full time positions, and you know, and then they decided

537
00:26:28,960 --> 00:26:30,639
Speaker 1: to maybe have a family. So yeah, how did you

538
00:26:30,640 --> 00:26:36,520
Speaker 1: guys approach that? I think we began by creating different

539
00:26:36,520 --> 00:26:40,680
Speaker 1: revenue streams, so the rental homes were really crucial to that.

540
00:26:40,800 --> 00:26:44,240
Speaker 1: So I actually think about the time I started staying home,

541
00:26:44,560 --> 00:26:47,040
Speaker 1: which was not right when we had our first child,

542
00:26:47,119 --> 00:26:49,520
Speaker 1: was a little bit after, but at that point, what

543
00:26:49,640 --> 00:26:52,080
Speaker 1: I was making, we were close to making that in

544
00:26:53,160 --> 00:26:55,919
Speaker 1: real property, in rental property. So I do think that

545
00:26:56,000 --> 00:26:59,560
Speaker 1: was a great strategy. That was really the whole purpose

546
00:26:59,640 --> 00:27:02,960
Speaker 1: behind buy rental homes was Okay, if we want to

547
00:27:02,960 --> 00:27:06,720
Speaker 1: continue to live on a certain amount of money per year, well,

548
00:27:06,800 --> 00:27:08,640
Speaker 1: how else are we going to be able to make

549
00:27:08,680 --> 00:27:10,960
Speaker 1: income if you want to stay home? And that was

550
00:27:11,000 --> 00:27:13,040
Speaker 1: something that we debated for a long time, and we

551
00:27:13,040 --> 00:27:15,000
Speaker 1: weren't sure whether whether you were going through whether you

552
00:27:15,000 --> 00:27:17,680
Speaker 1: wanted to, and then it ended up where you felt

553
00:27:17,680 --> 00:27:19,520
Speaker 1: compelled to, and we were glad. We're glad that we

554
00:27:19,520 --> 00:27:21,720
Speaker 1: planned ahead for that. Yeah, I will say one of

555
00:27:21,800 --> 00:27:25,120
Speaker 1: the biggest financial advantages to stay at home parents we

556
00:27:25,160 --> 00:27:28,240
Speaker 1: really saw when we had two children and I was

557
00:27:28,240 --> 00:27:31,240
Speaker 1: working for a nonprofit at the time, and it was

558
00:27:31,520 --> 00:27:35,440
Speaker 1: literally going to cost more for two children in daycare

559
00:27:35,480 --> 00:27:37,879
Speaker 1: than it was for what I was making. So that

560
00:27:38,000 --> 00:27:41,360
Speaker 1: was a fairly easy decision in that sense to stay home.

561
00:27:41,400 --> 00:27:44,600
Speaker 1: So I think that's a huge benefit. I think there

562
00:27:44,600 --> 00:27:47,520
Speaker 1: are a lot of other financial benefits. I will say mentally,

563
00:27:48,320 --> 00:27:50,680
Speaker 1: it is probably one of the biggest benefits for our

564
00:27:50,720 --> 00:27:56,200
Speaker 1: family just juggling Joel's career and work responsibilities, and then

565
00:27:56,280 --> 00:27:59,960
Speaker 1: also me being able to juggle more family and more

566
00:28:00,119 --> 00:28:01,840
Speaker 1: that in and if a kid gets sick, I'm able

567
00:28:01,880 --> 00:28:04,200
Speaker 1: to stay home. I feel like that dynamic has really

568
00:28:04,240 --> 00:28:08,840
Speaker 1: helped a lot mentally, uh not just financially. Sure, Yeah,

569
00:28:08,840 --> 00:28:11,320
Speaker 1: there's a lot to consider, right when you're debating staying

570
00:28:11,359 --> 00:28:13,680
Speaker 1: home with the kids instead of like staying in the workforce,

571
00:28:13,680 --> 00:28:15,600
Speaker 1: it's not just about the money. There's there's lots of

572
00:28:15,640 --> 00:28:18,520
Speaker 1: aspects of our lives that we need to consider. O Kate,

573
00:28:18,600 --> 00:28:20,680
Speaker 1: how about you. Well, it was a little different for

574
00:28:20,800 --> 00:28:24,200
Speaker 1: us because Matt and I were working together full time

575
00:28:24,600 --> 00:28:28,119
Speaker 1: on our own business. So it wasn't like we had

576
00:28:28,119 --> 00:28:30,359
Speaker 1: two separate incomes and we were looking to replace one

577
00:28:30,400 --> 00:28:32,600
Speaker 1: of our incomes. I was looking to step out of

578
00:28:32,600 --> 00:28:36,920
Speaker 1: that business after our second daughter was born, and so

579
00:28:37,040 --> 00:28:41,280
Speaker 1: for us it just meant having a bigger emergency fund

580
00:28:41,320 --> 00:28:44,440
Speaker 1: because our expenses were used to our expenses being variable

581
00:28:44,480 --> 00:28:47,280
Speaker 1: and we knew that it could fluctuate once I stepped

582
00:28:47,280 --> 00:28:49,880
Speaker 1: out of it. But really, I don't know that the

583
00:28:49,920 --> 00:28:53,720
Speaker 1: business took a fifty hit when I left, Like Matt

584
00:28:53,760 --> 00:28:56,200
Speaker 1: was able to pick up a lot of what I

585
00:28:56,240 --> 00:28:58,520
Speaker 1: had been doing, and I did work still part time

586
00:28:58,560 --> 00:29:02,200
Speaker 1: for a while. Yea, But yeah, it wasn't like we

587
00:29:02,240 --> 00:29:04,360
Speaker 1: had replaced my income with something else. I just sort

588
00:29:04,400 --> 00:29:08,280
Speaker 1: of slowly stepped out and we adjusted our budget based

589
00:29:08,280 --> 00:29:10,600
Speaker 1: on what Matt could make on his own. Yeah, for

590
00:29:10,680 --> 00:29:12,400
Speaker 1: us to feel like, it's way less typical than what

591
00:29:12,440 --> 00:29:14,560
Speaker 1: most folks are dealing with, because it was a very

592
00:29:14,600 --> 00:29:18,440
Speaker 1: gradual change right where it's like, cool, it's almost like

593
00:29:18,480 --> 00:29:20,520
Speaker 1: the business is the same, but then it's starting to

594
00:29:20,640 --> 00:29:22,640
Speaker 1: slow down a little bit. It's not like, you know,

595
00:29:22,680 --> 00:29:24,400
Speaker 1: we we we aren't pumping out the same amount of

596
00:29:24,400 --> 00:29:26,040
Speaker 1: work that we used to. We're not making the same

597
00:29:26,040 --> 00:29:28,640
Speaker 1: amount of income, and so I don't feel that a

598
00:29:28,640 --> 00:29:31,760
Speaker 1: lot of folks are in that position. But still interesting

599
00:29:31,760 --> 00:29:34,680
Speaker 1: to shareff for sure. Yeah, it's definitely Yeah. I saw

600
00:29:34,720 --> 00:29:38,680
Speaker 1: a stat recently that most couples would like for one

601
00:29:38,720 --> 00:29:41,480
Speaker 1: of the partners speople to stay at home. But our

602
00:29:41,520 --> 00:29:44,960
Speaker 1: curd economy has just changed the family dynamic and the

603
00:29:45,000 --> 00:29:47,480
Speaker 1: income needs. So many jobs in the United States just

604
00:29:47,520 --> 00:29:50,120
Speaker 1: don't pay as much as they did in the nine

605
00:29:50,680 --> 00:29:54,800
Speaker 1: sixties and seventies equivalent to today's dollar, and so so

606
00:29:54,880 --> 00:29:58,360
Speaker 1: oftentimes each person in the partnership feels like they need

607
00:29:58,400 --> 00:30:00,360
Speaker 1: to work in order to make ends meet. I totally

608
00:30:00,440 --> 00:30:02,440
Speaker 1: understand that, but I did find that FASc thing that

609
00:30:02,520 --> 00:30:04,680
Speaker 1: most people wish that that one person could stay at home,

610
00:30:05,000 --> 00:30:07,600
Speaker 1: and you know, that's something that we weren't sure about.

611
00:30:07,600 --> 00:30:10,000
Speaker 1: But when we wrestled and we found a way to

612
00:30:10,000 --> 00:30:12,640
Speaker 1: make it work money wise, because we did decide that

613
00:30:12,680 --> 00:30:14,240
Speaker 1: for our family, that's that's what we wanted life to

614
00:30:14,280 --> 00:30:17,360
Speaker 1: look like. Yeah, I think that was similar for us.

615
00:30:17,400 --> 00:30:19,760
Speaker 1: We did make some changes to our budget in order

616
00:30:19,800 --> 00:30:22,160
Speaker 1: to make that happen. Like, we had to scale back

617
00:30:22,160 --> 00:30:24,920
Speaker 1: in some areas in order to prioritize one of us

618
00:30:24,920 --> 00:30:28,960
Speaker 1: being home so we couldn't keep up spending the way

619
00:30:28,960 --> 00:30:32,680
Speaker 1: that we had um, which actually we were happy to

620
00:30:32,720 --> 00:30:35,640
Speaker 1: find out once we had a child that it was

621
00:30:35,680 --> 00:30:37,520
Speaker 1: okay that we had scaled back a lot of things

622
00:30:37,520 --> 00:30:40,240
Speaker 1: because we just weren't as mobile, we weren't traveling as much,

623
00:30:40,320 --> 00:30:43,120
Speaker 1: we weren't going out as much. So definitely true. It

624
00:30:43,160 --> 00:30:45,960
Speaker 1: actually kind of worked out, um that we were spending

625
00:30:46,040 --> 00:30:48,520
Speaker 1: less naturally anyway, But that was part of me being

626
00:30:48,560 --> 00:30:51,440
Speaker 1: able to step out of the business. Was us cutting

627
00:30:51,640 --> 00:30:55,760
Speaker 1: our entertainment, It was us cutting our personal accounts pretty

628
00:30:55,760 --> 00:30:58,200
Speaker 1: far back so that we could make that happen. Yeah. Sure,

629
00:30:58,240 --> 00:31:01,720
Speaker 1: So on that note, right on the Sessional life, Kristen

630
00:31:01,800 --> 00:31:04,480
Speaker 1: asks given that you're both staying at home, so she

631
00:31:04,680 --> 00:31:07,000
Speaker 1: this is too you wives, of course, do you worry

632
00:31:07,000 --> 00:31:10,520
Speaker 1: about missing out on future career opportunities, so for example,

633
00:31:10,520 --> 00:31:13,120
Speaker 1: getting out of the career game, having a gap on

634
00:31:13,160 --> 00:31:16,440
Speaker 1: the resume, and if so, how are you preparing for it?

635
00:31:16,840 --> 00:31:18,600
Speaker 1: I do feel like I I did really struggle with

636
00:31:18,640 --> 00:31:21,120
Speaker 1: the decision to stay home because I really like working

637
00:31:21,160 --> 00:31:23,680
Speaker 1: and I liked what I did, and I was it

638
00:31:23,720 --> 00:31:26,680
Speaker 1: was hard to step back, and I would say definitely,

639
00:31:27,040 --> 00:31:29,160
Speaker 1: there's a lot of moments that I still worry about

640
00:31:29,240 --> 00:31:33,320
Speaker 1: missing out or I think being home with my children

641
00:31:33,360 --> 00:31:37,360
Speaker 1: and saying no to opportunities that have come across my

642
00:31:37,440 --> 00:31:40,760
Speaker 1: path is one of the hardest things about being a

643
00:31:40,760 --> 00:31:44,160
Speaker 1: stay at home mom and then just knowing that there

644
00:31:44,200 --> 00:31:46,400
Speaker 1: are these opportunities you could reach for a graph that

645
00:31:46,440 --> 00:31:48,760
Speaker 1: would be great, that would be fun work to do,

646
00:31:48,800 --> 00:31:50,760
Speaker 1: that would build your resume, would build what you want

647
00:31:50,760 --> 00:31:53,120
Speaker 1: to do, and just to say no to them as tough.

648
00:31:53,200 --> 00:31:56,560
Speaker 1: But I think I've prepared for that, partly mentally just

649
00:31:56,680 --> 00:31:59,480
Speaker 1: knowing it's this season. I mean, our kids are the

650
00:31:59,520 --> 00:32:02,840
Speaker 1: oldest is sick, so they're still all very little, and

651
00:32:03,040 --> 00:32:04,680
Speaker 1: there will be a season in which they're all in

652
00:32:04,720 --> 00:32:06,840
Speaker 1: school and working is going to be much easier. So

653
00:32:06,880 --> 00:32:08,640
Speaker 1: I just kind of know that that's the case, and

654
00:32:08,680 --> 00:32:12,200
Speaker 1: I do think the opportunities will be there. Uh. The

655
00:32:12,320 --> 00:32:15,280
Speaker 1: job that I work for in the past has also

656
00:32:15,400 --> 00:32:17,880
Speaker 1: still will come help me do contract work here and there,

657
00:32:17,880 --> 00:32:20,000
Speaker 1: and I usually say yes to those kind of opportunities

658
00:32:20,040 --> 00:32:22,120
Speaker 1: just to kind of keep my foot in the door.

659
00:32:22,800 --> 00:32:24,840
Speaker 1: And I'll also say, even though I'm not necessarily in

660
00:32:24,840 --> 00:32:28,200
Speaker 1: a workplace, I'm in a school I'm in like our

661
00:32:28,440 --> 00:32:31,000
Speaker 1: y m c A. I have made a ton of

662
00:32:31,000 --> 00:32:34,000
Speaker 1: connections because I am staying at home and I'm with

663
00:32:34,040 --> 00:32:38,520
Speaker 1: a lot of other moms or other organizations like you know,

664
00:32:38,640 --> 00:32:41,200
Speaker 1: like schools that I'm involved in that I think if

665
00:32:41,200 --> 00:32:44,600
Speaker 1: I needed to find a job, I could network pretty well.

666
00:32:44,760 --> 00:32:48,960
Speaker 1: I just think it's opened up a lot of opportunity relationally.

667
00:32:49,720 --> 00:32:52,120
Speaker 1: So for me, I feel like I know that once

668
00:32:52,200 --> 00:32:55,880
Speaker 1: there's time, I will step back into some kind of work.

669
00:32:56,200 --> 00:32:59,120
Speaker 1: Matt and I have experienced starting a couple of different businesses,

670
00:32:59,160 --> 00:33:02,360
Speaker 1: so it's work is something I view very fluidly. I

671
00:33:02,400 --> 00:33:07,160
Speaker 1: feel like I can um work as fluid. I like that. Well,

672
00:33:07,200 --> 00:33:09,800
Speaker 1: I mean, we've started and stopped things and I don't

673
00:33:09,800 --> 00:33:13,120
Speaker 1: think a lot of I don't know that everybody has experienced, like, Okay,

674
00:33:13,160 --> 00:33:15,000
Speaker 1: I'm done with this career path and I'm going to

675
00:33:15,040 --> 00:33:17,920
Speaker 1: shut this down and then I'm going to start something

676
00:33:17,960 --> 00:33:21,280
Speaker 1: else because my interests have changed or my abilities have changed.

677
00:33:21,520 --> 00:33:24,640
Speaker 1: And so I feel like, once everybody's in school, I'm

678
00:33:24,680 --> 00:33:27,520
Speaker 1: actually really looking forward to seeing what I will start.

679
00:33:27,560 --> 00:33:30,360
Speaker 1: I have no idea. I mean, it will be probably

680
00:33:30,720 --> 00:33:34,800
Speaker 1: some kind of art related career. And that's close to

681
00:33:34,840 --> 00:33:38,160
Speaker 1: all I know about that right now, because we're also

682
00:33:38,280 --> 00:33:41,320
Speaker 1: about six years from that. Yeah, because I don't think

683
00:33:41,320 --> 00:33:44,240
Speaker 1: about it a ton. But I also know that if

684
00:33:44,320 --> 00:33:47,200
Speaker 1: we needed me to, I would just go get a job.

685
00:33:47,280 --> 00:33:49,920
Speaker 1: Like Emily said, I would be able to kind of

686
00:33:49,920 --> 00:33:53,040
Speaker 1: tap the networks that we have currently, and I would

687
00:33:53,080 --> 00:33:55,600
Speaker 1: get a job if I needed to financially. But I

688
00:33:55,640 --> 00:33:59,720
Speaker 1: look forward to one day starting something new and be

689
00:34:00,000 --> 00:34:02,320
Speaker 1: because that's the position I'm in. I'm not worried about

690
00:34:02,440 --> 00:34:05,760
Speaker 1: these years right now not doing something. Yeah, that's so good.

691
00:34:05,800 --> 00:34:07,840
Speaker 1: And I think that's so true too of our generation

692
00:34:07,920 --> 00:34:09,799
Speaker 1: and how we view work. I feel like are like

693
00:34:09,840 --> 00:34:13,520
Speaker 1: older generations, like Gen xers and beyond, they might view

694
00:34:13,600 --> 00:34:15,839
Speaker 1: work as sort of like this thing that once it's done,

695
00:34:15,840 --> 00:34:18,200
Speaker 1: it's done. You know, it's like, okay, my my work

696
00:34:18,239 --> 00:34:21,400
Speaker 1: career is quote unquote over. But I feel like so

697
00:34:21,480 --> 00:34:24,160
Speaker 1: many of folks in our positions and of our generation,

698
00:34:24,520 --> 00:34:26,359
Speaker 1: they do see work a little more fluid. They see

699
00:34:26,360 --> 00:34:28,040
Speaker 1: it as something that like, well, I want to try

700
00:34:28,080 --> 00:34:29,440
Speaker 1: this for a couple of years, and then after that,

701
00:34:29,480 --> 00:34:31,080
Speaker 1: I want to try this and then let's see if

702
00:34:31,120 --> 00:34:32,440
Speaker 1: we can get this off the ground. It's something that

703
00:34:32,480 --> 00:34:34,760
Speaker 1: you can start and stop and and there's just different

704
00:34:34,960 --> 00:34:37,760
Speaker 1: you know, smaller pieces versus just this one giant piece

705
00:34:37,760 --> 00:34:39,879
Speaker 1: that takes you know, all of your effort to move

706
00:34:39,920 --> 00:34:42,560
Speaker 1: at all. Yeah, And I think that resume gap certainly

707
00:34:42,600 --> 00:34:45,359
Speaker 1: worries a lot of women who do want to stay

708
00:34:45,400 --> 00:34:47,000
Speaker 1: home or men who want to stay home with their

709
00:34:47,080 --> 00:34:50,359
Speaker 1: kids for a handful of years and then they want

710
00:34:50,360 --> 00:34:53,280
Speaker 1: to get back into the same profession. That's certainly something

711
00:34:53,320 --> 00:34:56,080
Speaker 1: that could hold down your wages and and that can

712
00:34:56,120 --> 00:34:58,800
Speaker 1: be hard to overcome. But I completely agree, man, I

713
00:34:58,840 --> 00:35:02,120
Speaker 1: think the dynamic has chang change in in recent years,

714
00:35:02,239 --> 00:35:06,200
Speaker 1: and in particular, our generation has the ability to to

715
00:35:06,360 --> 00:35:10,360
Speaker 1: create uh their own business so much easier. It's so

716
00:35:10,400 --> 00:35:12,959
Speaker 1: much easier to do that than it was decades ago.

717
00:35:13,160 --> 00:35:15,160
Speaker 1: And at the same time, that kind of unspoken contract

718
00:35:15,160 --> 00:35:17,480
Speaker 1: that you're going to stick with an organization or a

719
00:35:17,520 --> 00:35:20,680
Speaker 1: firm for thirty years and then retire, that's not there either,

720
00:35:21,000 --> 00:35:23,440
Speaker 1: So you're you're kind of expected to move around. And

721
00:35:23,480 --> 00:35:25,279
Speaker 1: I do think that that makes it a little bit

722
00:35:25,280 --> 00:35:28,279
Speaker 1: easier for the stay at home partner UH to to

723
00:35:28,400 --> 00:35:31,320
Speaker 1: not necessarily lose out on a massive amount of income

724
00:35:31,840 --> 00:35:34,520
Speaker 1: due to those years where or they're not in the workforce.

725
00:35:34,960 --> 00:35:37,279
Speaker 1: I would also say being a stay at home mom

726
00:35:37,360 --> 00:35:40,120
Speaker 1: doesn't mean that you're not active in taking on projects.

727
00:35:40,120 --> 00:35:42,319
Speaker 1: There's a lot of them are just volunteer based, and

728
00:35:42,440 --> 00:35:44,920
Speaker 1: I would definitely include a lot of the things I've

729
00:35:44,960 --> 00:35:47,960
Speaker 1: done on a resume even though I wasn't necessarily employed

730
00:35:48,000 --> 00:35:51,760
Speaker 1: for them. There's planning retreats, there's you know, cooking for

731
00:35:51,920 --> 00:35:56,520
Speaker 1: large events, like, there's being on boards, like all experien Right,

732
00:35:56,600 --> 00:35:59,440
Speaker 1: there's so many things that I think would be very

733
00:35:59,520 --> 00:36:02,399
Speaker 1: valid to put on a resume. Yeah, just because it's

734
00:36:02,400 --> 00:36:05,680
Speaker 1: not a job from a company doesn't mean it's not

735
00:36:05,760 --> 00:36:08,839
Speaker 1: resume worthy material that you're churning out in your daily life.

736
00:36:09,239 --> 00:36:11,480
Speaker 1: I totally agree with that, all right, And then Crystal

737
00:36:11,560 --> 00:36:14,400
Speaker 1: also chimed in on the kid front. She said, what

738
00:36:14,480 --> 00:36:17,839
Speaker 1: approaches do you all have with regards to teaching your

739
00:36:17,920 --> 00:36:20,880
Speaker 1: kids about money and how to build healthy and responsible

740
00:36:21,000 --> 00:36:23,560
Speaker 1: mindsets around it. I think this is a good one

741
00:36:23,600 --> 00:36:25,640
Speaker 1: for all four of us to kind of talk about,

742
00:36:25,840 --> 00:36:28,520
Speaker 1: but we'll start with Kate Um. I think the most

743
00:36:28,600 --> 00:36:31,319
Speaker 1: important thing we are trying to teach the kids right

744
00:36:31,360 --> 00:36:36,360
Speaker 1: now is that money is the result of work. That

745
00:36:36,440 --> 00:36:40,919
Speaker 1: you're not just entitled to anything that you want. So

746
00:36:41,560 --> 00:36:43,799
Speaker 1: we give the girls little jobs here and there, or

747
00:36:43,840 --> 00:36:46,280
Speaker 1: they can ask for jobs if they want to make money,

748
00:36:46,320 --> 00:36:49,040
Speaker 1: But that is how they are able to earn money,

749
00:36:49,320 --> 00:36:52,640
Speaker 1: is through their jobs that they do to benefit our

750
00:36:52,760 --> 00:36:57,440
Speaker 1: household or others. And so that's a big piece of it,

751
00:36:57,600 --> 00:36:59,680
Speaker 1: or teaching them right now, they're six and under, so

752
00:37:00,520 --> 00:37:03,319
Speaker 1: we're not getting too complicated with it. I think we

753
00:37:03,360 --> 00:37:08,800
Speaker 1: are trying to balance that with modeling generosity and teaching

754
00:37:08,800 --> 00:37:11,560
Speaker 1: them to be generous too, that money isn't just something

755
00:37:11,600 --> 00:37:15,200
Speaker 1: that you hoard. Yeah, that's what our conversations are mostly about.

756
00:37:15,239 --> 00:37:19,120
Speaker 1: I mean, if they earn ten dollars over the course

757
00:37:19,160 --> 00:37:21,160
Speaker 1: of a month and they want to spend it on

758
00:37:21,200 --> 00:37:24,879
Speaker 1: something ridiculous, we totally let them do that. We're not

759
00:37:25,840 --> 00:37:28,600
Speaker 1: trying to control every move they make and encourage them

760
00:37:28,640 --> 00:37:30,640
Speaker 1: to save up more so they can buy like a bike,

761
00:37:30,840 --> 00:37:33,480
Speaker 1: Like if they've saved four three weeks or a month,

762
00:37:33,960 --> 00:37:39,400
Speaker 1: then I think we generally applaud that. So, yeah, money

763
00:37:39,400 --> 00:37:42,960
Speaker 1: coming from work, and then um, just being generous with

764
00:37:43,480 --> 00:37:46,560
Speaker 1: that as well. So yeah, yeah, you know, essentially any

765
00:37:46,640 --> 00:37:49,360
Speaker 1: lesson that we can teach our kids where we truly

766
00:37:49,400 --> 00:37:52,480
Speaker 1: are linking work to money. But at the same time,

767
00:37:52,520 --> 00:37:55,120
Speaker 1: it's a balance between that and not just generosity, but

768
00:37:55,520 --> 00:37:57,680
Speaker 1: work that they are supposed to be doing no matter what.

769
00:37:57,880 --> 00:37:59,760
Speaker 1: This is something we talked about recently on the show.

770
00:38:00,160 --> 00:38:01,959
Speaker 1: But there are certain tasks that the girls do around

771
00:38:02,000 --> 00:38:04,759
Speaker 1: the house just because they're part of the family, right,

772
00:38:05,080 --> 00:38:07,160
Speaker 1: And you know, we joke that we'll ask them to

773
00:38:07,200 --> 00:38:09,600
Speaker 1: do something and the last like will I get paid?

774
00:38:10,560 --> 00:38:12,879
Speaker 1: And we say, no, you're gonna do that because you're

775
00:38:12,920 --> 00:38:14,839
Speaker 1: just a part of the family. Uh, it's not something

776
00:38:14,880 --> 00:38:16,799
Speaker 1: you're gonna get paid for, but you still have to

777
00:38:16,880 --> 00:38:19,440
Speaker 1: do it. Uh. And so there's a balance there between

778
00:38:19,640 --> 00:38:23,319
Speaker 1: linking work and money but also work as like you've

779
00:38:23,320 --> 00:38:25,000
Speaker 1: got to do that because you're just part of the family.

780
00:38:25,239 --> 00:38:26,759
Speaker 1: But yeah, Joe and Emily, do you all have some

781
00:38:26,800 --> 00:38:29,279
Speaker 1: specific approaches on on how y'all are are teaching the

782
00:38:29,360 --> 00:38:33,279
Speaker 1: kids about money. I think we do similar to you guys.

783
00:38:33,320 --> 00:38:35,480
Speaker 1: I think those are two important things we try to

784
00:38:35,560 --> 00:38:39,440
Speaker 1: hit home. I also think we try to instill gratitude

785
00:38:39,520 --> 00:38:43,240
Speaker 1: with money, so that a trip to get ice cream

786
00:38:43,440 --> 00:38:46,120
Speaker 1: is a big deal, like it's a treat, and we

787
00:38:46,200 --> 00:38:48,399
Speaker 1: want them to tell us thank you, or to tell

788
00:38:48,440 --> 00:38:51,719
Speaker 1: them whoever treated them to ice cream thank you, just

789
00:38:51,840 --> 00:38:56,239
Speaker 1: not just out of politeness, but to recognize that these

790
00:38:56,400 --> 00:38:59,600
Speaker 1: it's a treat, that money is hard earned by someone

791
00:38:59,719 --> 00:39:03,319
Speaker 1: in basically, we don't want them to take money for granted. Yeah,

792
00:39:03,360 --> 00:39:06,879
Speaker 1: I think to actually interesting, Kate that you brought up uh,

793
00:39:07,000 --> 00:39:11,320
Speaker 1: not necessarily making them save for for something even bigger

794
00:39:11,400 --> 00:39:13,480
Speaker 1: or whatever. And that's something that we have had to

795
00:39:14,480 --> 00:39:18,120
Speaker 1: change in our approach to parenting and money recently. Is

796
00:39:18,640 --> 00:39:21,360
Speaker 1: there were times where they would just want a toy,

797
00:39:21,400 --> 00:39:24,160
Speaker 1: any toy, and then I'll spend my money on any toy.

798
00:39:24,280 --> 00:39:26,880
Speaker 1: And and so we would sometimes go to the dollar

799
00:39:26,960 --> 00:39:29,799
Speaker 1: store and they might get something that would break within

800
00:39:30,040 --> 00:39:34,000
Speaker 1: an hour, and that just that was such an unfulfilling experience,

801
00:39:34,160 --> 00:39:36,720
Speaker 1: and I hated seeing them spend their money on something

802
00:39:37,080 --> 00:39:41,000
Speaker 1: that went in the trash. Daddy, this is crap, exactly exactly,

803
00:39:41,440 --> 00:39:43,399
Speaker 1: but did you let me by this? So we have

804
00:39:43,600 --> 00:39:45,920
Speaker 1: tried to help instill a little more long term thinking

805
00:39:46,000 --> 00:39:48,880
Speaker 1: when when we're talking about how they use their money.

806
00:39:49,160 --> 00:39:51,960
Speaker 1: And so when we went to Disney World earlier this

807
00:39:52,040 --> 00:39:55,400
Speaker 1: year with with Emily's mom, that was one of those things. Okay,

808
00:39:55,640 --> 00:39:58,960
Speaker 1: you guys can do certain things to earn money now,

809
00:39:59,360 --> 00:40:01,319
Speaker 1: and that money is going to be saved for this

810
00:40:01,400 --> 00:40:05,239
Speaker 1: experience and something that you can buy that's tangible on

811
00:40:05,239 --> 00:40:07,760
Speaker 1: on that day in the park. And so yeah, anything

812
00:40:07,800 --> 00:40:10,440
Speaker 1: that we can do to to help them realize that

813
00:40:10,520 --> 00:40:14,760
Speaker 1: their money is squandered if it's spent on something that

814
00:40:15,040 --> 00:40:17,480
Speaker 1: you know, it doesn't last very long. Uh, and and

815
00:40:17,600 --> 00:40:21,239
Speaker 1: try to help them to see that finding value with

816
00:40:21,280 --> 00:40:25,840
Speaker 1: every purchase. And that's obviously impossible or incredibly difficult to

817
00:40:25,880 --> 00:40:28,640
Speaker 1: teach really small children, but that's kind of at least

818
00:40:28,760 --> 00:40:30,680
Speaker 1: somewhere where our heads are at and how we're talking

819
00:40:30,680 --> 00:40:33,680
Speaker 1: to them about money. Alright, last question on kids, Susie

820
00:40:33,680 --> 00:40:36,200
Speaker 1: wants to know what are your best hacks to keeping

821
00:40:36,320 --> 00:40:41,480
Speaker 1: parenting costs low? While also maximizing kid experiences. Emily, once

822
00:40:41,520 --> 00:40:45,000
Speaker 1: you started this one off, let's say again, out of

823
00:40:45,040 --> 00:40:48,040
Speaker 1: our seven children, the oldest are six six and younger,

824
00:40:48,320 --> 00:40:53,480
Speaker 1: so seven children we have collectively, sorry, collectively, no, we

825
00:40:53,520 --> 00:40:56,319
Speaker 1: do not have seven on our own. Collectively, it's like

826
00:40:56,360 --> 00:41:01,800
Speaker 1: a Disney musical. I'll say, those ages, lots of little

827
00:41:01,800 --> 00:41:04,200
Speaker 1: things are still pretty magical, and so I think we

828
00:41:04,320 --> 00:41:06,480
Speaker 1: try to take the time to stretch out the magic

829
00:41:06,560 --> 00:41:11,920
Speaker 1: of say sidewalk, chalk, or just anything small and that

830
00:41:11,960 --> 00:41:14,439
Speaker 1: can go a long way. Which is an inflatable pool

831
00:41:14,480 --> 00:41:17,200
Speaker 1: in the front yard a summer, That's that's true story.

832
00:41:17,239 --> 00:41:19,839
Speaker 1: This is what we do. So little things like that

833
00:41:19,880 --> 00:41:21,640
Speaker 1: go a really long way. And I think that kind

834
00:41:21,640 --> 00:41:26,080
Speaker 1: of goes back to instilling the attitude of gratitude, not

835
00:41:26,200 --> 00:41:30,120
Speaker 1: just assumed that these things are joys that we get

836
00:41:30,160 --> 00:41:32,799
Speaker 1: to have an experience. They're not necessarily given, and I

837
00:41:32,840 --> 00:41:35,160
Speaker 1: think that kind of goes into little ways to stretch it.

838
00:41:35,640 --> 00:41:38,240
Speaker 1: I would also say play dates, I mean, other kids

839
00:41:38,400 --> 00:41:43,160
Speaker 1: are the best form of entertainment for my children, better

840
00:41:43,200 --> 00:41:46,040
Speaker 1: than new choice sometimes, so we do lots of play dates.

841
00:41:46,640 --> 00:41:48,560
Speaker 1: I agree with everything that Emily has said. All the

842
00:41:48,640 --> 00:41:52,399
Speaker 1: small things we tend to make magical any holiday. Any

843
00:41:52,440 --> 00:41:58,319
Speaker 1: holiday we make up any holiday that's real. Yeah, we'll

844
00:41:58,360 --> 00:42:01,960
Speaker 1: have a donut day. You We'll have a donut Day,

845
00:42:02,000 --> 00:42:03,880
Speaker 1: for sure, and it will be a big deal because

846
00:42:04,320 --> 00:42:06,440
Speaker 1: we will talk all day about getting donuts and then

847
00:42:06,480 --> 00:42:09,319
Speaker 1: eventually we will go get a donut or we'll make it.

848
00:42:09,360 --> 00:42:11,120
Speaker 1: And that's what I was going to say. I think

849
00:42:11,560 --> 00:42:14,920
Speaker 1: just googling, like d I Y anything your kid is

850
00:42:15,000 --> 00:42:20,319
Speaker 1: interested in has been really helpful for us to make

851
00:42:20,680 --> 00:42:23,480
Speaker 1: something that a kid wants an experience. So if we

852
00:42:23,600 --> 00:42:27,520
Speaker 1: build something together, or instead of going to buy a

853
00:42:27,600 --> 00:42:30,160
Speaker 1: swing for the backyard, Matt pulls out rope and we

854
00:42:30,239 --> 00:42:32,560
Speaker 1: like rig it around a tree and we spend hours

855
00:42:32,600 --> 00:42:35,120
Speaker 1: and all that that was really fun. They wanted a swing,

856
00:42:35,160 --> 00:42:38,560
Speaker 1: we made a swing. But just building something together and

857
00:42:39,160 --> 00:42:41,439
Speaker 1: learning along the way and having fun along the way

858
00:42:41,560 --> 00:42:44,640
Speaker 1: kind of stretches out. They get the treat or they

859
00:42:44,680 --> 00:42:47,000
Speaker 1: get the thing that they're looking for, but we built

860
00:42:47,000 --> 00:42:49,360
Speaker 1: it together, so it's an experience. And that's not to

861
00:42:49,400 --> 00:42:52,279
Speaker 1: say that we don't spend any money on experiences for kids.

862
00:42:52,320 --> 00:42:55,160
Speaker 1: We definitely do our, but we what we do spend

863
00:42:55,360 --> 00:42:58,200
Speaker 1: is very intentional. It comes with a lot of intent,

864
00:42:58,360 --> 00:43:03,280
Speaker 1: So we're spending for impact. We're not spending just because

865
00:43:03,400 --> 00:43:05,759
Speaker 1: the opportunities there and it seems like it would be fun.

866
00:43:05,800 --> 00:43:08,440
Speaker 1: It's something that we've thought about and um, we think

867
00:43:08,480 --> 00:43:10,239
Speaker 1: would be a good fit for our kids. So we

868
00:43:10,320 --> 00:43:13,200
Speaker 1: do spend many on our kids experiences, but for the

869
00:43:13,280 --> 00:43:17,080
Speaker 1: most part, we try to minimize that. Yeah, and just

870
00:43:17,160 --> 00:43:19,280
Speaker 1: starting at home with what you already have, that's probably

871
00:43:19,320 --> 00:43:21,880
Speaker 1: the maybe first step in saving money is not spending

872
00:43:21,880 --> 00:43:24,759
Speaker 1: any right, Yeah, Embracing some of the free stuff too

873
00:43:24,760 --> 00:43:27,879
Speaker 1: that we have access to, especially the outdoors, is something

874
00:43:27,880 --> 00:43:29,759
Speaker 1: that we we like to do. Yeah, but I think

875
00:43:29,760 --> 00:43:32,080
Speaker 1: those are some good thoughts. All right, we got some

876
00:43:32,080 --> 00:43:34,800
Speaker 1: more questions we want to get to, including questions about

877
00:43:34,800 --> 00:43:37,880
Speaker 1: frugal recipes and date nights and also the high costs

878
00:43:38,000 --> 00:43:40,439
Speaker 1: of female maintenance. Until we'll get to some of those

879
00:43:40,800 --> 00:43:52,520
Speaker 1: right after this break. All right, we're back for the break,

880
00:43:52,680 --> 00:43:54,640
Speaker 1: and I wanted to MESSI too. We never talked about

881
00:43:54,680 --> 00:43:56,920
Speaker 1: how we're set up here in this rental house. We're

882
00:43:56,960 --> 00:43:59,919
Speaker 1: at the beach, and if folks watched like the quick

883
00:44:00,000 --> 00:44:03,279
Speaker 1: story on Instagram, but we've got like bedspreads hooked up

884
00:44:03,280 --> 00:44:06,040
Speaker 1: to the to the blinds to help make it less

885
00:44:06,040 --> 00:44:08,640
Speaker 1: equit in here. Have y'all heard any kids crying like

886
00:44:08,680 --> 00:44:12,680
Speaker 1: in the background? Unfortunately not, They're in bad to be honest,

887
00:44:13,120 --> 00:44:15,400
Speaker 1: but I just want to applaud ourselves, maybe for for

888
00:44:15,440 --> 00:44:17,279
Speaker 1: actually doing this. I think this is going pretty great.

889
00:44:17,560 --> 00:44:19,319
Speaker 1: But let's go ahead dive into these questions. We've got

890
00:44:19,320 --> 00:44:22,520
Speaker 1: a few more for this episode, and Cindy asks, are

891
00:44:22,560 --> 00:44:25,480
Speaker 1: your wives into biking as much as you guys are

892
00:44:25,840 --> 00:44:28,120
Speaker 1: when you talk about it a lot we do talk

893
00:44:28,160 --> 00:44:30,920
Speaker 1: about with your response to that, I do love biking.

894
00:44:30,960 --> 00:44:34,480
Speaker 1: I love family bike rides. It's not something that I

895
00:44:34,600 --> 00:44:37,080
Speaker 1: um go out and do by myself, but I love

896
00:44:37,719 --> 00:44:40,080
Speaker 1: what it does for our family and getting out and

897
00:44:40,280 --> 00:44:41,960
Speaker 1: being able to talk and wave to neighbors and just

898
00:44:42,000 --> 00:44:45,160
Speaker 1: getting around the city that way is super fun. I

899
00:44:45,200 --> 00:44:48,600
Speaker 1: think Matt has a fancy bike and I have a

900
00:44:48,640 --> 00:44:51,839
Speaker 1: normal bike, and so maybe that reflects how we feel

901
00:44:51,840 --> 00:44:55,239
Speaker 1: about biking. But um, it is something that I enjoy. Yes,

902
00:44:56,160 --> 00:44:59,360
Speaker 1: I certainly have put more of my personal funds towards

903
00:44:59,680 --> 00:45:05,160
Speaker 1: by Cools than you have. Yes, Emily, you have a bike.

904
00:45:06,280 --> 00:45:10,319
Speaker 1: It's not super fancy either. No, it's not. I've had

905
00:45:10,320 --> 00:45:14,319
Speaker 1: it for several years and a true story. About a

906
00:45:14,400 --> 00:45:16,680
Speaker 1: month ago, we were on a long bike ride and

907
00:45:16,719 --> 00:45:19,920
Speaker 1: the gears finally unstuck, and I guess I realized I

908
00:45:19,960 --> 00:45:24,120
Speaker 1: had been riding in about second gear all these years.

909
00:45:24,160 --> 00:45:26,719
Speaker 1: I was wondering why it was so difficult sometimes, But

910
00:45:26,760 --> 00:45:29,440
Speaker 1: now I have three gears that kind of work. I

911
00:45:29,520 --> 00:45:33,600
Speaker 1: was very I was very excited about that. Maintenance enthusiasts. No,

912
00:45:33,719 --> 00:45:36,440
Speaker 1: I'm not, that's fair to say, but I do love biking,

913
00:45:36,560 --> 00:45:39,320
Speaker 1: and a lot of times I'll take evening rides by myself.

914
00:45:39,440 --> 00:45:41,960
Speaker 1: Manna enjoy family rides, but I also love going by myself.

915
00:45:42,040 --> 00:45:44,239
Speaker 1: I also love spin classes. It's not like quite the

916
00:45:44,280 --> 00:45:48,040
Speaker 1: same as biking that you guys enjoy, but I do

917
00:45:48,160 --> 00:45:50,960
Speaker 1: enjoy that kind of biking. Yeah, yeah, No, I'd say

918
00:45:51,239 --> 00:45:53,840
Speaker 1: you guys like craft beer, which I think Matt and

919
00:45:53,920 --> 00:45:56,520
Speaker 1: I both appreciate. You guys like biking, So it's nice

920
00:45:56,520 --> 00:45:58,880
Speaker 1: to connect on the levels that of things that we

921
00:45:58,920 --> 00:46:01,800
Speaker 1: care about a lot. Uh. Lisa, I had a question.

922
00:46:02,040 --> 00:46:05,439
Speaker 1: She said, please share your frugal recipes. I remember one

923
00:46:05,480 --> 00:46:07,479
Speaker 1: person saying on the show at one point in time

924
00:46:07,719 --> 00:46:09,960
Speaker 1: that they have they cost down to like two dollars

925
00:46:09,960 --> 00:46:13,359
Speaker 1: a person per day to feed their family. Matt, that's true,

926
00:46:14,560 --> 00:46:17,960
Speaker 1: and also Bernese specifically wants to know the bread recipe

927
00:46:18,280 --> 00:46:20,359
Speaker 1: that's been mentioned on the show before. So all right,

928
00:46:20,360 --> 00:46:23,640
Speaker 1: frugal recipes, you'll have any quick ones to share with us. Well, first,

929
00:46:23,640 --> 00:46:25,840
Speaker 1: I'll say it wasn't it was never two dollars a person.

930
00:46:26,120 --> 00:46:29,080
Speaker 1: It was it was one dollar per meal per person.

931
00:46:29,480 --> 00:46:31,360
Speaker 1: That was the cheapest we ever got it, which is

932
00:46:31,360 --> 00:46:33,800
Speaker 1: still pretty cheap. Yeah, definitely cheap, but we still we

933
00:46:33,840 --> 00:46:36,160
Speaker 1: see pretty well though. Yeah, that was what I was

934
00:46:36,200 --> 00:46:38,400
Speaker 1: going to add. I think we could get it cheaper

935
00:46:38,440 --> 00:46:41,520
Speaker 1: than that, but it wouldn't be wouldn't be as enjoyable.

936
00:46:41,640 --> 00:46:45,080
Speaker 1: So you can always make everything cheaper, right, Yeah, yeah,

937
00:46:45,320 --> 00:46:48,480
Speaker 1: and threw it in the process. Yeah, I mean you've

938
00:46:48,520 --> 00:46:50,920
Speaker 1: got three gears. I mean you could have no gears.

939
00:46:52,640 --> 00:46:55,560
Speaker 1: I didn't for a couple of years. Yeah. I mean,

940
00:46:55,960 --> 00:47:01,000
Speaker 1: I think, Emily, you've done a lot of cooking research

941
00:47:01,120 --> 00:47:05,560
Speaker 1: recently and I feel like being intentional about like upping

942
00:47:05,840 --> 00:47:09,440
Speaker 1: the food quality that we eat in our house. And um, yeah,

943
00:47:09,480 --> 00:47:12,440
Speaker 1: do you have any favorite recipes that you've you've found,

944
00:47:12,520 --> 00:47:16,120
Speaker 1: or any any new ways of going about cooking that

945
00:47:16,200 --> 00:47:18,719
Speaker 1: you've enjoyed that you feel like saved us money. I'll

946
00:47:18,719 --> 00:47:21,000
Speaker 1: say the homemade bread recipe, which we'll have to share

947
00:47:21,120 --> 00:47:24,719
Speaker 1: that Kate created is a big one. We that's a

948
00:47:24,760 --> 00:47:26,400
Speaker 1: staple in our house. We'll have to put that on

949
00:47:26,400 --> 00:47:29,080
Speaker 1: the show. Notes of course, let's do it. So it's

950
00:47:29,120 --> 00:47:33,640
Speaker 1: hard to give specific recipes, but just generally how I

951
00:47:33,200 --> 00:47:36,400
Speaker 1: am approach it is that we shop at Costco or

952
00:47:36,440 --> 00:47:39,840
Speaker 1: anywhere where I can get some decent meat and bulk

953
00:47:39,880 --> 00:47:41,640
Speaker 1: at a good price, and then freeze it and so

954
00:47:41,760 --> 00:47:45,279
Speaker 1: regularly I'll pull out like chicken thighs that I cook

955
00:47:45,360 --> 00:47:49,120
Speaker 1: in an insta pot with just different seasonings and different

956
00:47:49,200 --> 00:47:51,080
Speaker 1: kind of flavors of broth, and so that kind of

957
00:47:51,120 --> 00:47:54,760
Speaker 1: creates it's super quick and easy and affordable, but creates

958
00:47:54,760 --> 00:47:58,759
Speaker 1: a bunch of different flavors, conservativer different things, and so

959
00:47:58,800 --> 00:48:01,960
Speaker 1: that's kind of easy. Jeep versatile. We eat a lot

960
00:48:02,000 --> 00:48:06,439
Speaker 1: of eggs. Yeah, eggs are are huge, and they're big, big,

961
00:48:07,000 --> 00:48:10,400
Speaker 1: they're feeling, they're good for you, and they're inexpensive. It's true.

962
00:48:10,719 --> 00:48:12,799
Speaker 1: I would actually love to know how many eggs we've

963
00:48:12,840 --> 00:48:16,759
Speaker 1: gone through while on vacation between our two families. So

964
00:48:16,840 --> 00:48:20,600
Speaker 1: many eggs, it's been a lot. Yes, I agree with Emily,

965
00:48:20,600 --> 00:48:24,680
Speaker 1: it's hard to give a specific recipe, but are approach

966
00:48:24,800 --> 00:48:28,239
Speaker 1: to food in order to keep equality high, but the

967
00:48:28,360 --> 00:48:33,600
Speaker 1: cost low is we really minimize the amount of meat

968
00:48:33,640 --> 00:48:37,160
Speaker 1: that we eat. Um. So basically the opposite of what

969
00:48:37,200 --> 00:48:40,719
Speaker 1: Emily did. You guys do need a lot of meat

970
00:48:40,840 --> 00:48:43,000
Speaker 1: and like for us, well, I feel like I'm stealing

971
00:48:43,000 --> 00:48:44,359
Speaker 1: your thunder a little bit, but like yeah, like how

972
00:48:44,400 --> 00:48:47,200
Speaker 1: do you approach meat when it comes to our meals? Um?

973
00:48:47,200 --> 00:48:50,080
Speaker 1: I feel like meat for us is more of a

974
00:48:50,920 --> 00:48:55,960
Speaker 1: it's usually within a sauce. There's just really a big

975
00:48:56,000 --> 00:48:58,320
Speaker 1: piece of meat on the plate. So it's a topping,

976
00:48:58,480 --> 00:49:01,759
Speaker 1: usually like on top of a salad or it's part

977
00:49:01,800 --> 00:49:05,000
Speaker 1: of a taco. It's not it's not like taking up

978
00:49:05,040 --> 00:49:07,600
Speaker 1: a section of the plate. It's on top of something

979
00:49:07,680 --> 00:49:11,160
Speaker 1: or in something. Um, if we're having meat, usually it's there.

980
00:49:11,200 --> 00:49:13,520
Speaker 1: It's adding flavor a lot of times, in particular if

981
00:49:13,520 --> 00:49:15,520
Speaker 1: it's pork or bacon or something like that. But it's

982
00:49:15,520 --> 00:49:18,560
Speaker 1: not like something that you're just chewing on, right, Like

983
00:49:18,600 --> 00:49:21,279
Speaker 1: if you're we're not ever really just chewing on meat. Now,

984
00:49:21,440 --> 00:49:25,480
Speaker 1: there's something else in there. It's usually I think because

985
00:49:25,920 --> 00:49:30,120
Speaker 1: I'm looking for nutrient DNTs and I'm looking for cheap

986
00:49:30,160 --> 00:49:33,480
Speaker 1: and so that really equals vegetables for us. So usually

987
00:49:34,040 --> 00:49:37,319
Speaker 1: at meals we have at least two vegetables, often a

988
00:49:37,360 --> 00:49:41,000
Speaker 1: lot more vegetables per meal. So there's just so many

989
00:49:41,000 --> 00:49:43,319
Speaker 1: different ways that we prepare them. But a lot of

990
00:49:43,320 --> 00:49:45,400
Speaker 1: the ways I prepare them is done ahead of time

991
00:49:46,200 --> 00:49:49,640
Speaker 1: because I don't have a ton of focus around for

992
00:49:49,840 --> 00:49:52,680
Speaker 1: thirty When I start to cook dinner, a lot of

993
00:49:52,719 --> 00:49:55,120
Speaker 1: things are prepped today before, done in bulk a couple

994
00:49:55,160 --> 00:49:59,080
Speaker 1: of days out, or pickled last week or whatever. So

995
00:49:59,160 --> 00:50:01,279
Speaker 1: that's how we get a lot of vegetables on the

996
00:50:01,280 --> 00:50:03,839
Speaker 1: plate without spending a ton of time on it and

997
00:50:04,000 --> 00:50:07,120
Speaker 1: keep things healthy and very affordable, and it keeps our

998
00:50:07,160 --> 00:50:10,200
Speaker 1: vegetables from going bad. And so much of the keeping

999
00:50:10,200 --> 00:50:12,960
Speaker 1: the cost down when it comes to two meals, one

1000
00:50:13,040 --> 00:50:15,880
Speaker 1: eat eggs and then to just don't eat out very much.

1001
00:50:15,880 --> 00:50:18,640
Speaker 1: I mean, I think that's typically the biggest cost killer,

1002
00:50:18,760 --> 00:50:22,280
Speaker 1: the budget killer for for so many families is last minute.

1003
00:50:22,320 --> 00:50:24,680
Speaker 1: And and to be honest, sometimes in our family that's

1004
00:50:24,680 --> 00:50:27,520
Speaker 1: the thing that's the hardest. It's like it's busy, we

1005
00:50:27,560 --> 00:50:29,359
Speaker 1: haven't planned a head, We're just gonna we're gonna get

1006
00:50:29,360 --> 00:50:32,680
Speaker 1: something out and you know, a forty meal to feed

1007
00:50:33,120 --> 00:50:35,320
Speaker 1: four people. Well, instead, if it's a dollar per person

1008
00:50:35,360 --> 00:50:37,840
Speaker 1: per meal, you know that dinner could have cost five

1009
00:50:37,960 --> 00:50:41,400
Speaker 1: or six dollars as opposed to you know, forty. And

1010
00:50:41,400 --> 00:50:43,799
Speaker 1: it really is. I mean, it's a substantial difference going

1011
00:50:43,800 --> 00:50:46,480
Speaker 1: out to eat or getting take out versus cooking at home,

1012
00:50:46,800 --> 00:50:49,359
Speaker 1: even if you're cooking with a nicer ingredients, right, like

1013
00:50:49,360 --> 00:50:53,080
Speaker 1: like a nice chicken thigh or vegetable. Let's say, even

1014
00:50:53,120 --> 00:50:57,120
Speaker 1: if you're eating expensive, it's cheaper to do that and

1015
00:50:57,160 --> 00:50:59,400
Speaker 1: eat at home than it is to eat out. All right,

1016
00:50:59,440 --> 00:51:02,040
Speaker 1: And Brittany wants to know. She says, I would love

1017
00:51:02,120 --> 00:51:03,960
Speaker 1: for you guys to talk about some of your most

1018
00:51:04,160 --> 00:51:07,040
Speaker 1: cost effective date night ideas. So what are those, am

1019
00:51:07,080 --> 00:51:12,080
Speaker 1: I'll start with you. I would say one of the

1020
00:51:12,080 --> 00:51:13,960
Speaker 1: best things we do to keep cost down as we

1021
00:51:14,360 --> 00:51:19,000
Speaker 1: swap childcare on date nights. So you know, one night,

1022
00:51:19,400 --> 00:51:21,000
Speaker 1: like say Joel and I are going to go out

1023
00:51:21,040 --> 00:51:23,040
Speaker 1: to dinner, we put our kids down, and Matt comes

1024
00:51:23,080 --> 00:51:26,040
Speaker 1: over and sits in the din, you know, and babysits

1025
00:51:26,080 --> 00:51:27,520
Speaker 1: the kids while we go out. And then the next

1026
00:51:27,520 --> 00:51:31,560
Speaker 1: week it's we swap. So finding someone to swap childcare,

1027
00:51:31,560 --> 00:51:34,680
Speaker 1: because I think childcare oftentimes would be more expensive than

1028
00:51:34,760 --> 00:51:39,400
Speaker 1: whatever activity we're doing that would cost more. So swapping

1029
00:51:39,440 --> 00:51:43,040
Speaker 1: childcare has been huge and making it cost effective. Yeah,

1030
00:51:43,040 --> 00:51:44,719
Speaker 1: if you got to get a babysitter once a week,

1031
00:51:45,000 --> 00:51:48,120
Speaker 1: that's gonna that's gonna crush your entertainment budget. I mean,

1032
00:51:48,160 --> 00:51:51,839
Speaker 1: it's cost prohibitive, right, Like when there's that spence that's there,

1033
00:51:51,920 --> 00:51:53,640
Speaker 1: Like it even keeps you from wanting to do it

1034
00:51:53,680 --> 00:51:56,120
Speaker 1: all together, and that's obviously that's terrible for your relationship,

1035
00:51:56,200 --> 00:51:58,280
Speaker 1: right if you're not spending that quality time with your partner.

1036
00:51:59,000 --> 00:52:03,040
Speaker 1: I'll also say been especially during quarantine and when we've

1037
00:52:03,160 --> 00:52:06,440
Speaker 1: not really been able to go out, just marking a

1038
00:52:06,560 --> 00:52:10,919
Speaker 1: night a special and setting that aside has been pretty nice.

1039
00:52:10,920 --> 00:52:13,800
Speaker 1: That's actually helped. So the kids will eat an earlier

1040
00:52:13,800 --> 00:52:15,520
Speaker 1: dinner and we'll have dinner just the two of us

1041
00:52:15,600 --> 00:52:18,000
Speaker 1: later and it may not even be that different or

1042
00:52:18,040 --> 00:52:21,440
Speaker 1: that extravagant, but for us mentally, we've just kind of

1043
00:52:21,520 --> 00:52:23,960
Speaker 1: carved out that time and called it a date night.

1044
00:52:24,120 --> 00:52:27,359
Speaker 1: And that's very cost effective, but it's also just kind

1045
00:52:27,360 --> 00:52:30,080
Speaker 1: of helped get into that mentality. Yeah, it doesn't always

1046
00:52:30,080 --> 00:52:32,000
Speaker 1: have to be going out on the town. It can

1047
00:52:32,280 --> 00:52:33,719
Speaker 1: be at home. It can be done at home, and

1048
00:52:33,719 --> 00:52:35,879
Speaker 1: with quarantine, it's like had to be done at home.

1049
00:52:36,600 --> 00:52:38,759
Speaker 1: I feel like we used to spend a lot of money.

1050
00:52:38,840 --> 00:52:41,279
Speaker 1: We would go to nicer restaurants or if there's a

1051
00:52:41,280 --> 00:52:44,279
Speaker 1: new restaurant, we're absolutely going to be there. And I

1052
00:52:44,320 --> 00:52:48,239
Speaker 1: think we've realized more over the last probably two or

1053
00:52:48,280 --> 00:52:52,040
Speaker 1: three years, that just the experience of going somewhere together

1054
00:52:52,520 --> 00:52:56,920
Speaker 1: without the kids is it's all we need. So sometimes

1055
00:52:56,960 --> 00:52:59,759
Speaker 1: we will just go to a brewery and just sit

1056
00:52:59,800 --> 00:53:02,600
Speaker 1: there are and um tastes and beers and have a

1057
00:53:02,640 --> 00:53:07,680
Speaker 1: good conversation. We've biked before, but just for us right now,

1058
00:53:07,680 --> 00:53:09,720
Speaker 1: what date nights need to look like is just space

1059
00:53:09,800 --> 00:53:11,960
Speaker 1: for us to sit across from each other and have

1060
00:53:12,080 --> 00:53:16,160
Speaker 1: an uninterrupted conversation about beer or I mean, doesn't have

1061
00:53:16,200 --> 00:53:19,040
Speaker 1: to matter, it can be whatever. Sometimes it really does

1062
00:53:19,120 --> 00:53:21,080
Speaker 1: need to matter, and it's about parenting and it's serious.

1063
00:53:21,120 --> 00:53:23,720
Speaker 1: But a lot of times we just need to remember

1064
00:53:23,800 --> 00:53:26,200
Speaker 1: to enjoy each other and have fun and that doesn't

1065
00:53:26,239 --> 00:53:28,680
Speaker 1: cost very much money. So we go to some of

1066
00:53:28,840 --> 00:53:32,400
Speaker 1: the same neighborhood spots that are really chill. We sit

1067
00:53:32,480 --> 00:53:35,560
Speaker 1: on a patio and it doesn't break the pain. Yeah,

1068
00:53:35,640 --> 00:53:37,319
Speaker 1: I mean sometimes we even eat ahead of time. I mean,

1069
00:53:37,520 --> 00:53:39,799
Speaker 1: like Emily you mentioned like a meal with the kids

1070
00:53:39,800 --> 00:53:42,040
Speaker 1: and then you have your meal like later, like we

1071
00:53:42,120 --> 00:53:44,799
Speaker 1: have our meal with the kiddos, and sometimes like Kay

1072
00:53:44,880 --> 00:53:47,640
Speaker 1: mentioned beer or like dessert or something like that, which

1073
00:53:47,640 --> 00:53:49,120
Speaker 1: is rare. But sometimes we will just kind of go

1074
00:53:49,120 --> 00:53:50,560
Speaker 1: out and we just need a space where we can

1075
00:53:50,600 --> 00:53:53,120
Speaker 1: sit there and yeah, like you said, like actually look

1076
00:53:53,200 --> 00:53:56,120
Speaker 1: at each other and have those conversations. So let's say

1077
00:53:56,160 --> 00:53:58,799
Speaker 1: we also play a lot of games. Yeah, we've been

1078
00:53:58,800 --> 00:54:00,880
Speaker 1: playing a lot of games here on this vacation already.

1079
00:54:00,920 --> 00:54:03,840
Speaker 1: I haven't one yet, which I'm really upset about, but

1080
00:54:03,920 --> 00:54:06,960
Speaker 1: I'll get over it. Literally, you are the only person

1081
00:54:06,960 --> 00:54:09,440
Speaker 1: who has not won a game, yes, which is kind

1082
00:54:09,440 --> 00:54:11,120
Speaker 1: of odd. I feel like you're you're not quite on.

1083
00:54:11,320 --> 00:54:12,840
Speaker 1: But all that noe. We probably are going to go

1084
00:54:12,840 --> 00:54:14,719
Speaker 1: ahead and wrap this one up here so that we

1085
00:54:14,800 --> 00:54:17,480
Speaker 1: do have some time to play maybe another game to nights.

1086
00:54:17,680 --> 00:54:19,279
Speaker 1: But all right, Jael, you've got one more question for

1087
00:54:19,360 --> 00:54:21,600
Speaker 1: the wives and no more. Mr nice Norwegian. I'm coming

1088
00:54:21,640 --> 00:54:25,080
Speaker 1: for you online. Okay, I'm gonna take you down, all right,

1089
00:54:25,120 --> 00:54:27,800
Speaker 1: But Kristen wants to know. Do you ever feel frustrated

1090
00:54:27,800 --> 00:54:31,160
Speaker 1: that woman maintenance costs are are so much more than

1091
00:54:31,239 --> 00:54:33,279
Speaker 1: than what they are for a man. My spending on

1092
00:54:33,360 --> 00:54:36,840
Speaker 1: basic makeup, hair prescription, skincare routine, all that kind of

1093
00:54:36,840 --> 00:54:39,600
Speaker 1: stuff makes me the top spender in my family. Is

1094
00:54:39,640 --> 00:54:41,960
Speaker 1: there any way to work around it while still managing

1095
00:54:42,000 --> 00:54:44,160
Speaker 1: to look good? I can't answer this question to all,

1096
00:54:45,719 --> 00:54:49,719
Speaker 1: specifically the ladies. Yes, yes, that is frustrating. It is

1097
00:54:49,760 --> 00:54:52,880
Speaker 1: so much more expensive to be a woman. I grew

1098
00:54:52,960 --> 00:54:55,839
Speaker 1: up with a brother and a single father, and he

1099
00:54:55,920 --> 00:54:59,720
Speaker 1: read an article one time that girls cost seventeen percent

1100
00:55:00,080 --> 00:55:01,920
Speaker 1: more money, and so that was like always a running

1101
00:55:01,960 --> 00:55:05,520
Speaker 1: joke that my dad had to spend seventeen more money

1102
00:55:06,440 --> 00:55:08,920
Speaker 1: on his daughter and he didn't understand it. My brother

1103
00:55:09,320 --> 00:55:13,480
Speaker 1: than he were so confused. But yes, it is frustrating,

1104
00:55:13,920 --> 00:55:17,520
Speaker 1: and especially since I like love hair products and kind

1105
00:55:17,520 --> 00:55:20,239
Speaker 1: of fun girly things like that that can be more money.

1106
00:55:20,280 --> 00:55:23,319
Speaker 1: I'll say I usually a lot of times we'll ask

1107
00:55:23,360 --> 00:55:26,720
Speaker 1: for those for Christmas presents, so you know, our Christmas

1108
00:55:26,840 --> 00:55:29,360
Speaker 1: or Birthday or if Mother's Day, things like that. I

1109
00:55:29,440 --> 00:55:32,600
Speaker 1: kind of usually have a few things tastefully hint at

1110
00:55:32,680 --> 00:55:35,520
Speaker 1: that I might, but I might like. I also kind

1111
00:55:35,520 --> 00:55:38,040
Speaker 1: of have a routine like I think, I find some

1112
00:55:38,280 --> 00:55:41,040
Speaker 1: product that might be expensive, but I know what I like,

1113
00:55:41,160 --> 00:55:43,480
Speaker 1: and I just kind of buy that repeatedly, and if

1114
00:55:43,520 --> 00:55:45,440
Speaker 1: it ever goes on sale, I'll stock up on it.

1115
00:55:46,360 --> 00:55:49,319
Speaker 1: Little little things like that. And Kate, what are your

1116
00:55:49,360 --> 00:55:52,080
Speaker 1: thoughts there? This is a conversation that Matt and I've had,

1117
00:55:52,200 --> 00:55:57,040
Speaker 1: so we have budgeted for that, and so the way

1118
00:55:57,040 --> 00:56:00,120
Speaker 1: that we approach budgeting is that once we've put that

1119
00:56:00,160 --> 00:56:03,160
Speaker 1: money aside, it's there for me to spend it, and

1120
00:56:03,200 --> 00:56:04,880
Speaker 1: it's not there for me to feel bad when I

1121
00:56:04,920 --> 00:56:08,200
Speaker 1: do spend it. So, yes, there's more money in my

1122
00:56:08,520 --> 00:56:12,640
Speaker 1: category than Matt's and the Kate category. The Kate category

1123
00:56:12,960 --> 00:56:15,200
Speaker 1: is yeah, there's just a little bit more in there

1124
00:56:15,200 --> 00:56:18,440
Speaker 1: because I do spend more on things like products than

1125
00:56:18,840 --> 00:56:21,400
Speaker 1: than Matt does. But then Matt buys a bike and

1126
00:56:21,440 --> 00:56:25,520
Speaker 1: then for the next five years were even, So that's

1127
00:56:25,719 --> 00:56:28,279
Speaker 1: real more than five years. For sure, I don't spend

1128
00:56:28,280 --> 00:56:32,719
Speaker 1: that much um, But I do think that one of

1129
00:56:32,760 --> 00:56:34,960
Speaker 1: the things that I love so much about budgeting that

1130
00:56:35,080 --> 00:56:38,080
Speaker 1: I never thought I would say that phrase ever, is

1131
00:56:38,200 --> 00:56:41,239
Speaker 1: it gives me freedom to spend money without feeling bad.

1132
00:56:41,280 --> 00:56:43,960
Speaker 1: About it. So the fact that hair costs this much

1133
00:56:44,040 --> 00:56:47,520
Speaker 1: and makeup costs this much is just not something that

1134
00:56:47,560 --> 00:56:50,279
Speaker 1: I feel guilty about when I spend it. That's great. Yeah,

1135
00:56:50,280 --> 00:56:53,560
Speaker 1: I think so much of approaching money well with your

1136
00:56:53,600 --> 00:56:56,640
Speaker 1: partner is is how can we think through what the

1137
00:56:56,640 --> 00:56:59,680
Speaker 1: budget looks like and then in practicality, what is it?

1138
00:56:59,719 --> 00:57:00,960
Speaker 1: What is it look like for us to be able

1139
00:57:01,000 --> 00:57:03,440
Speaker 1: to spend money without feeling guilty, Because the more we

1140
00:57:03,440 --> 00:57:06,640
Speaker 1: feel guilty about what we're doing with our money or

1141
00:57:07,000 --> 00:57:08,719
Speaker 1: oh man, if I do this, my partner is going

1142
00:57:08,800 --> 00:57:10,799
Speaker 1: to disapprove. We really have to be on the same

1143
00:57:10,840 --> 00:57:13,160
Speaker 1: page with that stuff and and guilt free. I think

1144
00:57:13,239 --> 00:57:16,000
Speaker 1: is a really important lesson for us, for for us

1145
00:57:16,040 --> 00:57:18,040
Speaker 1: all to learn in how we approach money with our

1146
00:57:18,240 --> 00:57:21,120
Speaker 1: significant other. But yeah, these are great questions from everyone

1147
00:57:21,200 --> 00:57:23,840
Speaker 1: in our Facebook group, So thanks for chiming in shutting

1148
00:57:23,880 --> 00:57:26,520
Speaker 1: us up for a fun conversation here tonight. But let's

1149
00:57:26,560 --> 00:57:27,920
Speaker 1: get back to the to the beer that we had

1150
00:57:27,960 --> 00:57:30,439
Speaker 1: on this episode quickly. We drank one called Road Full

1151
00:57:30,440 --> 00:57:33,680
Speaker 1: of Promise. It's a collab beer by Monday Night Brewing,

1152
00:57:33,680 --> 00:57:36,360
Speaker 1: which is local to us and World Works, which is

1153
00:57:36,400 --> 00:57:39,000
Speaker 1: a brewery out of Colorado, and it's fun to I'll

1154
00:57:39,000 --> 00:57:42,000
Speaker 1: get to drink a beer together while having this conversation. Ladies,

1155
00:57:42,000 --> 00:57:44,360
Speaker 1: did y'all enjoyed this beer? I did? It was good.

1156
00:57:44,400 --> 00:57:47,080
Speaker 1: I really like New England's I p a S. I

1157
00:57:47,160 --> 00:57:48,840
Speaker 1: like that style, and I thought this was a really

1158
00:57:48,840 --> 00:57:51,160
Speaker 1: good one. Well, Plus, this is a two X so

1159
00:57:51,240 --> 00:57:53,840
Speaker 1: it's got two times the amount of flavor, two times

1160
00:57:53,920 --> 00:57:55,840
Speaker 1: the hay is going on, and two times of the

1161
00:57:55,840 --> 00:57:59,600
Speaker 1: breweries working on it. So and I love collaborations, especially

1162
00:57:59,600 --> 00:58:02,040
Speaker 1: when you get one that's between a solid local brewery

1163
00:58:02,040 --> 00:58:04,640
Speaker 1: plus one you've heard of I've never had or shoot,

1164
00:58:04,680 --> 00:58:06,439
Speaker 1: I should say, I think I've only had one other

1165
00:58:06,640 --> 00:58:09,040
Speaker 1: beer ever by World Works, and I remember it being

1166
00:58:09,080 --> 00:58:11,919
Speaker 1: really stinking good. But Kate, Yeah, what are your thoughts?

1167
00:58:11,920 --> 00:58:13,720
Speaker 1: Did you really enjoy this one? Yeah? I loved it.

1168
00:58:13,760 --> 00:58:18,880
Speaker 1: I love leading questions. Sorry, did you really enjoy this one? Fantastic?

1169
00:58:19,400 --> 00:58:22,439
Speaker 1: I really enjoy a lot of money Nights beers, So

1170
00:58:22,720 --> 00:58:25,000
Speaker 1: I think this one's great. Well, yeah, I thought it

1171
00:58:25,040 --> 00:58:28,280
Speaker 1: was great. Yeah, just a delicious beer from two great breweries.

1172
00:58:28,560 --> 00:58:30,160
Speaker 1: And I'm glad we all got to share it together

1173
00:58:30,240 --> 00:58:32,680
Speaker 1: on our beach vacation. Yeah, and wives wanted to thank

1174
00:58:32,720 --> 00:58:35,280
Speaker 1: you all as well for coming on and sitting down

1175
00:58:35,280 --> 00:58:38,320
Speaker 1: and talking with us. I'm sure spending a night recording

1176
00:58:38,320 --> 00:58:40,400
Speaker 1: while we're at the beach wasn't necessarily what you wanted

1177
00:58:40,440 --> 00:58:41,560
Speaker 1: to do, but I feel like this is a lot

1178
00:58:41,600 --> 00:58:44,440
Speaker 1: of fun. I enjoyed it. Yea. All right, So that's

1179
00:58:44,480 --> 00:58:46,520
Speaker 1: gonna be it for these episodes. We'll have show notes

1180
00:58:46,640 --> 00:58:48,560
Speaker 1: up on our website at how to Money dot com,

1181
00:58:48,880 --> 00:58:51,440
Speaker 1: and we'll even have the recipe for Yeah, I think

1182
00:58:51,440 --> 00:58:53,360
Speaker 1: that's gonna be it for the show notes. Just the recipe,

1183
00:58:53,440 --> 00:58:55,960
Speaker 1: just the red recipe. That's it, everybody. I feel like

1184
00:58:56,000 --> 00:58:58,120
Speaker 1: that is actually a question that has been asked often

1185
00:58:58,160 --> 00:59:00,520
Speaker 1: in our faces. I don't know why. I guess it's

1186
00:59:00,560 --> 00:59:03,560
Speaker 1: gotten Um. It's been mentioned a few times different times,

1187
00:59:03,560 --> 00:59:07,760
Speaker 1: like the bread and even more now, man, everybody wants

1188
00:59:07,800 --> 00:59:10,240
Speaker 1: to make bread. So all right, we'll put that recipe up,

1189
00:59:10,360 --> 00:59:13,400
Speaker 1: and if you haven't already subscribed to our podcast, look

1190
00:59:13,480 --> 00:59:16,040
Speaker 1: for how to Money wherever you're listening to this episode

1191
00:59:16,080 --> 00:59:17,720
Speaker 1: and make sure that you are subscribed, And if you

1192
00:59:17,720 --> 00:59:20,560
Speaker 1: haven't already, leave us a review over at Apple Podcasts

1193
00:59:20,600 --> 00:59:23,080
Speaker 1: and we would really appreciate it. So Joel Kate and

1194
00:59:23,080 --> 00:59:27,040
Speaker 1: Emily until next times. Best friends out,