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

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Speaker 1: and today it's a money Do you believe we're celebrating

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Speaker 1: listener money wins in Yeah, that's right, buddy. This episode

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Speaker 1: is all about listener wins. A few weeks ago, we

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Speaker 1: asked for submissions from our listeners, all of you out there.

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Speaker 1: We wanted to hear how it is that you got

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Speaker 1: ahead with your money this year. Celebrating these achievements is

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Speaker 1: so important. We're gonna talk about why it is so important.

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Speaker 1: We are really looking forward to sharing those achievements with

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Speaker 1: others as well as celebrating them with you. Yeah. I

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Speaker 1: think it's gonna be celebratory and informative, right like that.

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Speaker 1: The way that people have been able to take control

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Speaker 1: of their personal finances, in particular in a really odd year,

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Speaker 1: um that threw a lot at us. We can all

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Speaker 1: learn things from listeners who have done good things with

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Speaker 1: their money, who have made solid money moves this year.

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Speaker 1: So yeah, it should be a fun one. Yeah, everybody

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Speaker 1: was smart about it. Nobody got ahead of their money

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Speaker 1: by getting lucky. Yeah no, no, no lottery ticket stories.

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Speaker 1: No one said like I robbed a bank and it's

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Speaker 1: been great since then, so I'm glad for that we've

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Speaker 1: got some honest and ethical people in the how of

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Speaker 1: money community. But before we get to that, Matt, I

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Speaker 1: wanted to to let you know, I'm not sure if

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Speaker 1: you grind your teeth, um, but actually I know, but

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Speaker 1: I do. I do I do at night. And so

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Speaker 1: I read a story actually the other day that apparently

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Speaker 1: a lot more people are due to the stress of

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Speaker 1: COVID and stuff like that, they found themselves grinding their

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Speaker 1: teeth their need of a night guard. And so, yeah, dentist,

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Speaker 1: you're seeing uptick and requests, um. And something I did

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Speaker 1: actually four years ago, when I realized that I needed

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Speaker 1: a night guard, I went on Amazon and I did

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Speaker 1: some searching to see if anybody offered something similar to

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Speaker 1: what a dentist's office offers, because my dentist was quoting

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Speaker 1: me six hundred dollars over six hundred dollars to get

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Speaker 1: a night guard made for like the football thing that

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Speaker 1: you put in your mouth like when you playing football.

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Speaker 1: So basically I'll tell you that there's a big difference

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Speaker 1: completely and it's like a different kind of plastic. So

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Speaker 1: it is a big deal. Like you don't just want

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Speaker 1: to get the stock ten dollar thing off like the

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Speaker 1: shelves at Target, or yes, just get a used mouth guard.

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Speaker 1: That's what Matt recommends. Um, not me that I promise.

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Speaker 1: So yeah, but I was able to do some searching

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Speaker 1: and I found that there were some companies that actually

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Speaker 1: send you a very similar mold material to what your

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Speaker 1: dentists uses at the dentist office, and you can get

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Speaker 1: a nightguard that replicates what your dentist is able to

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Speaker 1: provide you. There might be some dentist out there listening

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Speaker 1: who disagree, are upset and mentioning this. But for a

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Speaker 1: lot of people, um, they can't afford a six fifty

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Speaker 1: dollar nightguard. It's just out of bounds. And it was

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Speaker 1: for me too years ago. I'm like, no, no way,

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Speaker 1: I can spend this much money. I can't justify that.

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Speaker 1: And so I was able to find a company that

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Speaker 1: did it for it was like a hundred and twenty

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Speaker 1: dollars and so yeah, I'll post a link in our

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Speaker 1: show notes to the company I used. Finally, it broke

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Speaker 1: four years later that that night guard, but it was

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Speaker 1: really well made and apparently they aren't supposed to last forever,

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Speaker 1: right then they are supposed to last for for just

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Speaker 1: a handful of years, And it just depends on how

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Speaker 1: serious of a chewer you are. And I guess so,

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Speaker 1: I guess so, And I will say, you know, my dentist,

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Speaker 1: she understood my decision to do that. I talked it

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Speaker 1: through with her and and she offered to make some

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Speaker 1: adjustments to it on the back end. So yeah, there

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Speaker 1: there is a level of service you're gonna get from

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Speaker 1: a dental office. But but it's also gonna cost you

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Speaker 1: a whole lot more too. So if anybody out there

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Speaker 1: is finding, like, man, my mouth hurts in the morning,

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Speaker 1: I've been grinding my teeth at night and they need

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Speaker 1: a nightguard, well I would sugg just maybe talking to

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Speaker 1: your dentist, but then also looking to see if if

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Speaker 1: one of these other companies that takes your actual impressions

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Speaker 1: and has a laboratory that that creates um mouth guards

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Speaker 1: similar to what a dentist would produce. It's a decent

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Speaker 1: middle of the road option. Sounds better than like me

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Speaker 1: going down to the bike shop like tracing out, you know,

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Speaker 1: on a piece of wood and kind of making some

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Speaker 1: cuts and just like giving that to you. It's not

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Speaker 1: like George Washington tea is are you trying to make?

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Speaker 1: But man, this that's gonna raise the question is how

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Speaker 1: do you feel about going to the dentist during COVID times?

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Speaker 1: You know, just with all the health precautions that that

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Speaker 1: we're needing to take during this winter, but like laying

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Speaker 1: there in a chair with your mouth open, you know

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Speaker 1: while somebody works on you feel like the exact opposite

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Speaker 1: of what I would want to be doing. But granted,

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Speaker 1: you know you're talking about dentists disagreeing with you know,

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Speaker 1: you ordering a mouth guard on Amazon, They're also probably

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Speaker 1: gonna disagree with the fact that, like, I haven't been

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Speaker 1: to a dentist in about eight years, um, and I

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Speaker 1: know that's probably me being cheap. But we'll also say

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Speaker 1: that for another episode where we dive into that. But yeah,

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Speaker 1: like what are your thoughts in general about going in,

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Speaker 1: whether it be for doctors visits, but but yeah, just

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Speaker 1: maybe more kind of elective checkups, like going to a dentist. Well,

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Speaker 1: I think we've seen some of the negative effects of

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Speaker 1: people not going and getting some regular routine medical procedures done,

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Speaker 1: or not going to the dentist when they need to,

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Speaker 1: and and so yeah, I don't know, I think, But

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Speaker 1: are you comfortable with it? I think I would. Yeah,

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Speaker 1: I haven't been since the pandemic started, but I really

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Speaker 1: should book another dental visit really soon. And that is

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Speaker 1: one of those things where everybody's gonna make their own call.

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Speaker 1: But I'm sure these medical provider have taken a lot

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Speaker 1: of precautions. Nothing is risk free, right and um, but

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Speaker 1: I would say sometimes there's a higher risk by not

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Speaker 1: going to the doctor or by not going to the dentist,

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Speaker 1: And so Matt, you should go. And our listeners would

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Speaker 1: probably go to the dentist on the reg to look

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Speaker 1: at these teeth another nice they look good. All right,

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Speaker 1: let's move on to the beer we're having on this episode.

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Speaker 1: This one is Samuel Smith's Winter Welcome Ale. They're calling

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Speaker 1: it this year Welcome Backale, and it's because the proceeds

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Speaker 1: from this beer are specifically going to support the US

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Speaker 1: bartenders Guieldum, a group of people who certainly has been

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Speaker 1: negatively affected by the pandemic. So looking forward to having

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Speaker 1: this classic beer on this episode with you today, my friend. Yeah,

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Speaker 1: we're gonna share this one together and we're gonna share

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Speaker 1: our thoughts on this beer. At the end of the episode.

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Speaker 1: And what's great about this one too, Man, this is

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Speaker 1: a beer that folks can pretty much pick up anywhere, Like,

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Speaker 1: regardless of where you live, you can pretty much always

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Speaker 1: find some Samuel Smith beers, potentially even at your local

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Speaker 1: grocery store. Looking forward to this one, buddy, Let's go

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Speaker 1: ahead and shift gears. Let's get to the episode. Let's

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Speaker 1: get this jubilee started. Yeah, and today's episode is going

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Speaker 1: to be akin to like a wide receiver dance in

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Speaker 1: the end zone. I don't really watch munch football, Matt,

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Speaker 1: but I feel like that's the best part of any

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Speaker 1: football game, is like the super awesome end zone celebrations.

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Speaker 1: And there were some creative ones throughout the years. I

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Speaker 1: specifically remember when Terrell Owens pulled a sharpie out of

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Speaker 1: his sock, autographed the ball, toss it in the stands.

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Speaker 1: I mean, that's the kind of stuff that just, uh,

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Speaker 1: it's six out in your memory even more than the games.

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Speaker 1: Um And and yeah, we're gonna talk about the importance

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Speaker 1: of celebrating and how that can actually spur us on

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Speaker 1: towards more action today. Making a big deal about your

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Speaker 1: money wins, the money wins you experience in your life

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Speaker 1: is going to have a lot of positive effects on

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Speaker 1: on you moving forward, especially after a rough We're gonna

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Speaker 1: share our money wins Matt and I with you guys too,

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Speaker 1: as well as sharing a bunch of awesome ones from

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Speaker 1: the How the Money community. So yeah, first, we just

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Speaker 1: want to acknowledge and say thank you all for being

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Speaker 1: a part of this episode. Sending in your clips. It

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Speaker 1: made a smile listening to them and preparing for this episode,

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Speaker 1: So we're really excited to get to share them all

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Speaker 1: with you today. Yeah, and you know, considering that over

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Speaker 1: sixty eight percent of Americans have reported experiencing some financial

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Speaker 1: backs this year, it makes even more sense to celebrate

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Speaker 1: the winds that we've experienced, right. You know, often, I know,

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Speaker 1: we don't celebrate after we've worked hard to achieve something.

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Speaker 1: There's a sort of this tendency, I think, to have

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Speaker 1: that onward and upward mentality where you're kind of constantly

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Speaker 1: looking for the next best thing. Like I know, personally,

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Speaker 1: I I could do a better job celebrating uh and

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Speaker 1: marketing achievements not only you know, in my life, but

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Speaker 1: in the lives of those around me as well. And

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Speaker 1: with all the fincial hardships that a lot of folks

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Speaker 1: have experienced this year. It is good to roll with

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Speaker 1: the punches and continue to stay disciplined and to work hard.

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Speaker 1: But let's make sure that we are also taking time

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Speaker 1: to celebrate these achievements as well. Yeah, so let's talk

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Speaker 1: about why we find it important to celebrate. I think

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Speaker 1: there's a few reasons. The first one is it's celebrating

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Speaker 1: motivates us. It motivates us to do more and to

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Speaker 1: do better and to continue on like studies show that

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Speaker 1: celebrating actually boosts our well being as a human. If

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Speaker 1: we never stop to acknowledge what it is that we've accomplished,

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Speaker 1: it can start to feel like all you do is

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Speaker 1: work without any end in sight. And so enjoying the

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Speaker 1: fruits of your labor is an important part of laboring.

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Speaker 1: And so if there's no end insight, it's gonna be

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Speaker 1: easier to get burned out in your pursuit of your

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Speaker 1: future money goals. So taking the time to pause and

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Speaker 1: celebrate signifies that you've done good work, that you've accomplished something,

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Speaker 1: and then it's something you're proud of, and that does

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Speaker 1: spur us on. It motivates us to do even more

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Speaker 1: In the future. Yeah, you know, we should also celebrate too,

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Speaker 1: because it builds our confidence, right, like, look at all

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Speaker 1: I've been able to accomplish. Now I'm able to move

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Speaker 1: on to an even bigger challenge. These celebrations reinforce in

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Speaker 1: our mind that we have done something meaningful and that

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Speaker 1: they increase our belief that we can accomplish something even

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Speaker 1: more audacious. You know. Also, it's it's worth pointing out

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Speaker 1: that it's it's not necessary for these celebrations that cost

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Speaker 1: a lot of money, uh, or any money at all.

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Speaker 1: We're not talking about, you know, dropping bank on a

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Speaker 1: on a brand new you know, three series. But it's okay,

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Speaker 1: it's spend a little more money that month maybe than

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Speaker 1: you normally would maybe in your entertainment category, to to

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Speaker 1: mark a milestone that you've been working towards for that year.

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Speaker 1: It could eat even be as simple as something like

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Speaker 1: making a student loan payoff cake, right, or sharing maybe

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Speaker 1: in the Facebook group the good news how you've been

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Speaker 1: able to maybe pay down that student loan, or if

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Speaker 1: you were able to achieve some sort of savings goal. Uh.

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Speaker 1: It doesn't necessarily have to be this kind of grand blowout.

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Speaker 1: It doesn't necessarily need to be something that then kind

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Speaker 1: of set you back a little bit financially. I'm going

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Speaker 1: kite surfing and Fiji to celebrate that I've paid off

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Speaker 1: my student loans, but I'm going into debt for that

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Speaker 1: feels a little counterproductive. Yeah, exactly, that's not the best

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Speaker 1: celebration necessarily, um unless you have the cash on hand

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Speaker 1: to pay for that trip to UM. And Yeah, Matt,

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Speaker 1: like what you're saying to maybe sharing in the Facebook group.

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Speaker 1: Another benefit of celebrating is that it can motivate others

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Speaker 1: at the same time. Since we today are celebrating community style,

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Speaker 1: it has a positive effect on the entire community your money.

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Speaker 1: When it's it's not really bragging. It's more like highlighting

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Speaker 1: something that's taken real work and then sharing it with

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Speaker 1: others in your sphere who are trying to achieve similar results.

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Speaker 1: And often sharing those things can actually help give other

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Speaker 1: people tactical ideas in addition the motivation to keep after

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Speaker 1: it when they're attacking their own money goals. Yeah, and

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Speaker 1: don't forget to to acknowledge others, you know, when you're

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Speaker 1: celebrating these wins, especially if you have a significant other

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Speaker 1: who has worked alongside you to reach your collective goals,

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Speaker 1: make sure that you're celebrating together, and to say thank

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Speaker 1: you to others who have been instrumental in your progress.

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Speaker 1: It's it's good to be aware of not just you know,

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Speaker 1: all the hard work that you've put into it, but

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Speaker 1: the hard work and sacrifice of others as well. To Joe.

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Speaker 1: Before we kind of launch into some of our listener wins,

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Speaker 1: you and I, you know, we talked about how we're

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Speaker 1: gonna share our wins this year as well, and so

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Speaker 1: I'll go ahead and start things off. A couple of

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Speaker 1: years ago, a lot of folks might remember how Kate

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Speaker 1: and I we started a pretty huge home renovation project

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Speaker 1: and to fund a lot of it we took out

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Speaker 1: a helock from our local credit union at a a

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Speaker 1: really low rate. Well, this year we were able to

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Speaker 1: completely pay down and eliminate that debt from our lives.

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Speaker 1: Because this is our podcast, this is something I mean,

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Speaker 1: we've we've talked about this before, but for me looking back,

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Speaker 1: this is a huge thing for this year. Uh, this

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Speaker 1: is the first time we've ever taken on a large

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Speaker 1: amount of debt like that. That wasn't a mortgage right

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Speaker 1: where it was like an investment, and so for me

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Speaker 1: it was just a I don't know, it's a brand

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Speaker 1: new experience to have the feeling of kind of what

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Speaker 1: I call consumer debt because we didn't necessarily need to,

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Speaker 1: you know, to incur that debt in order to make

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Speaker 1: it an investment or or something that was maybe a

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Speaker 1: little more money savvy, something a little bit wiser. It

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Speaker 1: was had a lot to do with lifestyle and the

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Speaker 1: desire for us to be able to stay in this house.

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Speaker 1: But you know, we don't at all regret it. Being

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Speaker 1: able to virtual school this entire year while maintaining proper

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Speaker 1: distances even within our within our own house has been fantastic. Uh.

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Speaker 1: And so that was a huge one for us. Uh.

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Speaker 1: And related to that, a goal of mine was to

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Speaker 1: be able to transition away from photography since that was

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Speaker 1: stealing valuable weekend time with the family. You know, now

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Speaker 1: with the kids in school, Uh, I can't just like

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Speaker 1: kick off on a on a Friday and say, all right,

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Speaker 1: you know we're gonna have family day on Friday this

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Speaker 1: this week. I was like, oh, no, like you've got school.

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Speaker 1: Even with virtual school. Granted, the pandemic certainly accelerated things

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Speaker 1: and sweadings and events were either canceled or postponed. But man,

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Speaker 1: this is a huge win that we were able to

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Speaker 1: generate enough income here the podcast this year to to

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Speaker 1: offset the loss of income from photography for for our family.

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Speaker 1: So that being said to a big thank you to

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Speaker 1: all of our listeners out there for being a critical

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Speaker 1: part of this win. You know, we couldn't make this

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Speaker 1: podcast without our listeners. You being subscribed to listening every

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Speaker 1: single week has allowed yeah, Juelight to reach some some

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Speaker 1: goals of our own. Yeah, totally man, And and I

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Speaker 1: think yeah, when the pandemic hit, it was certainly a

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Speaker 1: transitional time, and it was a difficult time trying to

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Speaker 1: figure out what work was gonna look like for you.

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Speaker 1: And that is a big money win to say I

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Speaker 1: can transition away from this and and that is a

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Speaker 1: big money win. And and so much of our ability

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Speaker 1: to continue to create this podcast is due to our

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Speaker 1: listeners out there who consistently listened and support it. So

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Speaker 1: thank you. Um and all right, my big money win

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Speaker 1: for this year, Matt was becoming a one car family. Um,

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Speaker 1: and that was something new territory for you guys. Yeah,

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Speaker 1: something you kind of me on towards and I didn't really,

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Speaker 1: it didn't really cross my mind all that much. And

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Speaker 1: we recorded that episode about what it would look like

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Speaker 1: for someone to do that, and I just kept sticking

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Speaker 1: in my mind, and I was like, all right, I

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Speaker 1: feel like it's time to try this. And especially as

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Speaker 1: the prices for used cars were going up, my Nissan

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Speaker 1: Leaf somehow randomly in the pandemic was worth it, you know,

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Speaker 1: a couple of thousand dollars more than it had been

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Speaker 1: and I was like, now is the time? Told. Yeah,

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Speaker 1: used car prices don't typically go up, and so because

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Speaker 1: of that, um, it helped us to to make that happen.

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Speaker 1: I miss my niece on Leaf. I love electric vehicles.

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Speaker 1: I'll definitely own another one someday, but for the time being,

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Speaker 1: it is the right move for our family. So yeah,

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Speaker 1: definitely celebrating that one. Also to just want to give

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Speaker 1: a quick shout out to my dad. He had a

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Speaker 1: big money win this year. He just retired a week ago. Yeah,

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Speaker 1: so good for him. Um, that's a that's a big

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Speaker 1: step to be able to take and um yeah, but

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Speaker 1: really this episode, Matt, it's all about our listeners. We

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Speaker 1: want to share those money wins. We want to celebrate that.

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Speaker 1: So let's get to all of those right after this break.

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Speaker 1: M All right, we are back from the break and

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Speaker 1: it's time to hear now from you, our listeners. And

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Speaker 1: so first up, we have sort of a motivational money

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Speaker 1: when and this one is from Andrew. Hey, guys, this

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Speaker 1: is Andrew from Charleston, South Carolina. My money when this

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Speaker 1: year is motivation. For so long, I have been yearning

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Speaker 1: for financial independence in learning about how to get to it.

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Speaker 1: But this year we finally took small but concrete, actionable

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Speaker 1: steps to get there. And as a result of that,

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Speaker 1: we've gotten to at savings rate and we have saved

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Speaker 1: up enough money to finally buy our first rental property.

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Speaker 1: But perhaps more importantly than that, the motivation to go

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Speaker 1: farther with money and to be bold has inspired me

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Speaker 1: to get to raising money for Make a Wish in

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Speaker 1: our state. I've raised eleven thousand dollars this year, and

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Speaker 1: I've committed to in my life raising over a hundred

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Speaker 1: thousand dollars for them. None of this would be possible

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Speaker 1: without two best buds talking about money and great beer

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Speaker 1: on a podcast. I'm so grateful for what you guys

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Speaker 1: do and for what everyone in this community does. So

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Speaker 1: thanks so much and cheers, Andrew, thanks for saying that,

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Speaker 1: man um, it's too kind and really, Matt and I

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Speaker 1: we do this because because we love it, and hearing

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Speaker 1: you say that like certainly means a lot. But at

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Speaker 1: the same time, what you've been able to accomplish is

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Speaker 1: based on your own action and taking the things that

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Speaker 1: you've heard and applying them. I think, Matt to finding

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Speaker 1: motivation and getting bold is a legitimate hurdle in our

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Speaker 1: struggle to accrue money wins. Like. I don't know about

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Speaker 1: other people, but I can easily find excuses to not

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Speaker 1: do the things that I know I need to do.

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Speaker 1: It's really easy for me to put something off even

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Speaker 1: when I know I need to do it. And it

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Speaker 1: sounds like, uh, part of that motivation for Andrew was

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Speaker 1: to raise money to give it away to other people,

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Speaker 1: and I think finding that motivation, finding that concrete motivation

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Speaker 1: that is going to spur you on towards action is

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Speaker 1: huge and I think you know that process obviously with

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Speaker 1: andrews helped him get legit buttoned up with his own

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Speaker 1: personal finances, a savings rate of just outstanding. He kind

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Speaker 1: of glossed over that pretty quickly. But it's like, man,

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Speaker 1: that is awesome. Yeah, I think here. You know, the

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Speaker 1: lesson as well as for all of us, is to

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Speaker 1: kind of find, yeah, what motivates you that you can

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Speaker 1: keep front and center in your mind. And Andrew mentioned

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Speaker 1: pursuing financial independence, right, and so for him, you know,

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Speaker 1: looking to buy a rental property in order to generate

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Speaker 1: those additional streams of income. Will use that as part

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Speaker 1: of your drive to kick your finances into a higher

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Speaker 1: gear and take those small but like he said, those

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Speaker 1: small but concrete steps to increase your savings. Right, there's

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Speaker 1: little steps that we can take every single day that

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Speaker 1: can move us closer to those goals. Those are the

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Speaker 1: things that we talk about every single episode here on

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Speaker 1: the show, and those are the things that we want

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Speaker 1: to see our listeners to implement into their lives as well,

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Speaker 1: no doubt. All Right, Next, let's hear from a listener

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Speaker 1: in Ireland. What's been a colossal financial storm for so

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Speaker 1: many has been more of a quick thundershower for so

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Speaker 1: many HTM listeners, including this one Christie from Ireland. Hi,

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Speaker 1: Martin Joe, this is Christie calling from Ireland. I got

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Speaker 1: made redundant during the pandemic. Both because my emergency fund

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Speaker 1: was good and healthy, I was able to continue living

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Speaker 1: as usual, including continuing paying my childminder, which gave me

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Speaker 1: lots of time to search for a job, and I

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Speaker 1: have a new job starting in December. Thanks for all

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Speaker 1: your device of the show. By So first, isn't childminder

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Speaker 1: such a good term that we should start using here

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Speaker 1: in the US? Totally? I love that one. Yeah, Like

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Speaker 1: here in the U s it's you know, sitting, so

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Speaker 1: whether it's babysitting, pet sitting, house sitting, But like that's

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Speaker 1: such a an inactive and unengaged phrase, you know, like sitting,

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Speaker 1: it's just like you're sitting there doing nothing, whereas like

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Speaker 1: a childminder, it's like, oh, you're you're being intentional, You're

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Speaker 1: like leaning into the child, uh, engaging with them. You know.

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Speaker 1: I totally think we should be using that term here

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Speaker 1: in the US, solid term, I agree. But Christie, congrats

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Speaker 1: on having that emergency fund in place. Uh, it's so

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Speaker 1: nice to know that, you know, when hardship strikes and

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Speaker 1: there's enough to worry about, you know, on so many

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Speaker 1: other fronts, that our lack of money won't be tripping

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Speaker 1: us up. And I want to point out to how

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Speaker 1: difficult it can be to not only save up enough

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Speaker 1: for an emergency fund, but then to not touch it

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Speaker 1: except for when there's an actual emergency, fake emergencies. Like

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Speaker 1: it's so easy to be like, oh, well I got

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Speaker 1: this emergency, I need a new jacket, but that's not

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Speaker 1: really an emergency and that's not what your funds there

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Speaker 1: for exactly. Yeah, I mean, dude, of Americans can't cover

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Speaker 1: a four dollar emergency. And so yeah, having a fully

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Speaker 1: funded emergency fund is a huge win. It really sets

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Speaker 1: those who have those apart. Yeah, and into Christie, congrats

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Speaker 1: on starting your new job. So often people are forced

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Speaker 1: to take any job that comes along after they've been

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Speaker 1: laid off or made redundant, as Christie said, which another

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00:19:00,560 --> 00:19:03,359
Speaker 1: awesome phrase. Um, but but not Christie, right, And we

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Speaker 1: can all learn from this too. That emergency fund came

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Speaker 1: in huge in order to give her the time and

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Speaker 1: the space to look carefully for the next right opportunity,

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Speaker 1: not just the first one that came along. And so

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Speaker 1: so make sure you have an emergency fund in place

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Speaker 1: before you need it, because if you wait until you

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Speaker 1: need it, it's actually too late and Man, I've seen

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Speaker 1: that happen to other people, that they just don't have

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Speaker 1: almost any savings on hand and they just have to

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Speaker 1: take another job. Often it's something that they're not interested

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Speaker 1: in doing. They don't want this job, but they have

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Speaker 1: to in order to bring in the income um. And

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Speaker 1: that's what the fully funded emergency fund can prevent you

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Speaker 1: from having to do. Yeah, so an emergency fund savings

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Speaker 1: are vitally important. In speaking of savings, let's hear from

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Speaker 1: another listener. Hi, this is Sy from Annapolis, Maryland. My

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Speaker 1: money win this year is that I finally set up

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Speaker 1: a high interest savings account with C I T and

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Speaker 1: asked my employer to automatically deposit a portion of my

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Speaker 1: bi monthly paychecks into that account. Automating my savings has

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Speaker 1: been a game changer. I can't believe it took me

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Speaker 1: this long to finally take that step. It is so

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Speaker 1: much better than just leaving my savings sitting in my

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Speaker 1: checking account the way I used to as The automating

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Speaker 1: savings is a game changer. Yeah, I personally have to

430
00:20:12,480 --> 00:20:15,280
Speaker 1: take advantage of automation a lot in my life, because

431
00:20:15,320 --> 00:20:17,520
Speaker 1: if I didn't, I would totally forget important things that

432
00:20:17,560 --> 00:20:21,360
Speaker 1: I need to do automation is your anniversary, kid's birthdays.

433
00:20:21,560 --> 00:20:23,479
Speaker 1: They're all on the calendar man or I will miss it.

434
00:20:23,520 --> 00:20:26,240
Speaker 1: I totally forgot to put someone special on my last

435
00:20:26,240 --> 00:20:30,439
Speaker 1: birthday on account my dad. Sorry Dad, November totally forgot

436
00:20:30,440 --> 00:20:32,639
Speaker 1: his birthday. Didn't didn't give him the call. No, I

437
00:20:32,680 --> 00:20:34,720
Speaker 1: didn't give the call. I remember like two days later,

438
00:20:34,800 --> 00:20:39,159
Speaker 1: and I had a profusely apologize. But yeah, it's that

439
00:20:39,240 --> 00:20:41,320
Speaker 1: kind of stuff that I would continue to forget, especially

440
00:20:41,359 --> 00:20:43,560
Speaker 1: when it came to making good money moves, if I

441
00:20:43,560 --> 00:20:46,000
Speaker 1: didn't automate it. So I think as He's spot on

442
00:20:46,000 --> 00:20:48,640
Speaker 1: on that and getting a higher interest rate is big two.

443
00:20:49,119 --> 00:20:51,520
Speaker 1: Everyone should follow as he's lead if you haven't switched

444
00:20:51,560 --> 00:20:54,679
Speaker 1: to an online bank that eliminates fees and pays a

445
00:20:54,760 --> 00:20:57,439
Speaker 1: reasonable rate of interest. By the way, Matt new article

446
00:20:57,520 --> 00:21:00,320
Speaker 1: on how to money dot com about how you should

447
00:21:00,400 --> 00:21:03,439
Speaker 1: think about switching banks in order to score higher interest

448
00:21:03,640 --> 00:21:05,320
Speaker 1: kind of went into all the weeds on that. So

449
00:21:05,359 --> 00:21:06,680
Speaker 1: if you're interested in that, will put that in the

450
00:21:06,680 --> 00:21:09,080
Speaker 1: show notes for this episode. Yeah, dude, most definitely. And

451
00:21:09,119 --> 00:21:10,840
Speaker 1: you know the last part of what as you said

452
00:21:11,280 --> 00:21:13,600
Speaker 1: is the most crucial, right If you have a direct

453
00:21:13,600 --> 00:21:16,720
Speaker 1: deposit from your employer, have them deposit a portion of

454
00:21:16,840 --> 00:21:20,400
Speaker 1: every single paycheck into another account that is UH specifically

455
00:21:20,440 --> 00:21:23,680
Speaker 1: for saving his goals. This can provide the the right

456
00:21:23,840 --> 00:21:27,600
Speaker 1: mental as well as physical barriers that allow you to

457
00:21:27,600 --> 00:21:29,840
Speaker 1: to grow your savings. You know, even though you could

458
00:21:29,880 --> 00:21:32,719
Speaker 1: easily transfer that money over in a snap, having that

459
00:21:32,800 --> 00:21:36,080
Speaker 1: one additional step in the way UH will allow a

460
00:21:36,119 --> 00:21:38,679
Speaker 1: lot of us UH to pause long enough to to

461
00:21:38,720 --> 00:21:40,920
Speaker 1: even reconsider like do I really need this money? Or

462
00:21:41,080 --> 00:21:43,239
Speaker 1: like should I really be tapping this? Sometimes we need

463
00:21:43,280 --> 00:21:45,560
Speaker 1: to kind of intentionally place these barriers in our lives,

464
00:21:45,920 --> 00:21:48,439
Speaker 1: UH to keep us from from doing things that we know,

465
00:21:48,720 --> 00:21:51,960
Speaker 1: ultimately like on a better day, that I wouldn't do. So. Yeah,

466
00:21:51,960 --> 00:21:54,720
Speaker 1: so having that money deposited into a separate savings account,

467
00:21:54,720 --> 00:21:57,399
Speaker 1: I think that's brilliant, excellent job, as he Yep, all right,

468
00:21:57,440 --> 00:21:59,399
Speaker 1: and let's get to UH next one. This one's from

469
00:21:59,400 --> 00:22:01,840
Speaker 1: a listener that may it's a massive headway with student

470
00:22:01,880 --> 00:22:05,199
Speaker 1: loans this year. Hi, Juel and Matt. My name is Taylor,

471
00:22:05,240 --> 00:22:07,960
Speaker 1: and my money when this year was that when the

472
00:22:08,000 --> 00:22:11,480
Speaker 1: federal student loans went into forbearance, I took the money

473
00:22:11,480 --> 00:22:14,400
Speaker 1: that I had been paying to them and applied it

474
00:22:14,560 --> 00:22:16,760
Speaker 1: and doubled up the amount that I was paying on

475
00:22:16,840 --> 00:22:20,639
Speaker 1: my private consolidated student loans, which were actually double the

476
00:22:20,720 --> 00:22:24,879
Speaker 1: percentage of interest as my federal student loans. And so

477
00:22:24,920 --> 00:22:27,800
Speaker 1: I doubled up on my private consolidated loans and was

478
00:22:27,840 --> 00:22:32,080
Speaker 1: able to pay them awful lot faster until the forbearance

479
00:22:32,240 --> 00:22:36,280
Speaker 1: period ends. Nice Taylor, that is awesome. Uh, this is

480
00:22:36,320 --> 00:22:38,639
Speaker 1: the exact kind of move that we're hoping many how

481
00:22:38,640 --> 00:22:41,639
Speaker 1: the money listeners would take with the student loan forbearance period.

482
00:22:42,000 --> 00:22:46,240
Speaker 1: So excellent job there for folks who remained gainfully employed,

483
00:22:46,240 --> 00:22:50,000
Speaker 1: taking that money that was going towards paying down federal

484
00:22:50,040 --> 00:22:53,240
Speaker 1: loans and then redirecting that money towards either maybe beefing

485
00:22:53,280 --> 00:22:55,919
Speaker 1: up your savings, paying down other debts, or you know,

486
00:22:55,960 --> 00:22:59,359
Speaker 1: even paying down your federal loans faster like that is

487
00:22:59,480 --> 00:23:02,200
Speaker 1: a huge money win. So congrats on getting that private

488
00:23:02,240 --> 00:23:04,800
Speaker 1: student loane monkey off your back. Yeah, exactly right. Yeah,

489
00:23:04,800 --> 00:23:06,879
Speaker 1: it's nice to be done with that. And obviously that

490
00:23:06,960 --> 00:23:10,359
Speaker 1: forbearance A lot of people needed that forbearance, although it

491
00:23:10,440 --> 00:23:12,720
Speaker 1: was given to everyone regardless of need, and so a

492
00:23:12,760 --> 00:23:14,600
Speaker 1: lot of people who didn't need it were able to

493
00:23:14,640 --> 00:23:17,800
Speaker 1: accelerate other money goals and like Taylor, so so way

494
00:23:17,840 --> 00:23:19,960
Speaker 1: to go Taylor. All right, the next money win is

495
00:23:20,119 --> 00:23:23,240
Speaker 1: super practical and many of us can learn something from

496
00:23:23,240 --> 00:23:26,280
Speaker 1: this one. Hey, Juela Matte, this is massive from Boston,

497
00:23:26,320 --> 00:23:28,159
Speaker 1: and I wanted to share my little money win for

498
00:23:29,280 --> 00:23:31,399
Speaker 1: In a past episode, you asked your listeners to think

499
00:23:31,400 --> 00:23:34,879
Speaker 1: about whether we actually needed Amazon Prime. After giving it

500
00:23:34,960 --> 00:23:37,320
Speaker 1: some thought myself, I thought that having Prime made it

501
00:23:37,400 --> 00:23:40,280
Speaker 1: way too easy to click it and ship it. Plus

502
00:23:40,320 --> 00:23:42,960
Speaker 1: I never used any of the other Prime benefits, so

503
00:23:43,080 --> 00:23:46,040
Speaker 1: when my Prime membership expired, I decided to not renew it.

504
00:23:46,560 --> 00:23:49,480
Speaker 1: I further decided to intentionally add friction to the process

505
00:23:49,480 --> 00:23:52,119
Speaker 1: of buying stuff from Amazon by forcing myself to collect

506
00:23:52,200 --> 00:23:55,040
Speaker 1: up at least twenty five dollars worth of stuff, which

507
00:23:55,080 --> 00:23:57,040
Speaker 1: may take a few items, so that I could still

508
00:23:57,080 --> 00:24:00,400
Speaker 1: get free shipping. Not only that, and you all can

509
00:24:00,440 --> 00:24:03,159
Speaker 1: debate whether this is frugal or cheap. I pay for

510
00:24:03,200 --> 00:24:06,000
Speaker 1: my Amazon purchases with Amazon gift cards that I buy

511
00:24:06,080 --> 00:24:08,840
Speaker 1: my local grocery store using my American Express Blue Cash

512
00:24:08,920 --> 00:24:10,960
Speaker 1: Preferred cards, so I get six percent back on my

513
00:24:11,000 --> 00:24:13,960
Speaker 1: gift card purchases. Wow, it seems like my money with

514
00:24:14,080 --> 00:24:16,920
Speaker 1: for was brought to you by the letter A. I

515
00:24:17,040 --> 00:24:19,720
Speaker 1: end up giving the hundred twenty Prime membership fee and

516
00:24:19,760 --> 00:24:21,840
Speaker 1: then some as a tip to my local Raman shop.

517
00:24:22,000 --> 00:24:24,800
Speaker 1: Shout out to you mail Car today. Anyway, thanks for

518
00:24:24,840 --> 00:24:27,680
Speaker 1: your awesome podcast and keep up the good work. Joel

519
00:24:27,920 --> 00:24:30,720
Speaker 1: Masla makes a great point here. You know, the biggest

520
00:24:30,720 --> 00:24:34,200
Speaker 1: pitfall of Amazon Prime isn't necessarily the twenty bucks you spend.

521
00:24:34,520 --> 00:24:37,480
Speaker 1: It's the frictionless ease that could cause you to spend

522
00:24:37,480 --> 00:24:41,040
Speaker 1: potentially hundreds or even thousands more than you intended to

523
00:24:41,200 --> 00:24:43,679
Speaker 1: over the years. Amazon wants to make it easy for

524
00:24:43,680 --> 00:24:46,680
Speaker 1: you to spend your money, and creating that twenty threshold

525
00:24:46,760 --> 00:24:49,439
Speaker 1: is helpful that the curb shipping costs, but also it

526
00:24:49,440 --> 00:24:51,880
Speaker 1: prevents you from making those impulse purchases, just like we're

527
00:24:51,920 --> 00:24:54,240
Speaker 1: talking about with Ezzi. You know, having that money in

528
00:24:54,240 --> 00:24:56,200
Speaker 1: a separate account, if you're able to make it more

529
00:24:56,240 --> 00:24:58,520
Speaker 1: difficult for you to be parted with your money, I

530
00:24:58,560 --> 00:25:00,760
Speaker 1: think that's a wise move. You know, we're doing something

531
00:25:00,760 --> 00:25:03,720
Speaker 1: similar right now with Walmart Plus. You know we're not members,

532
00:25:03,760 --> 00:25:05,840
Speaker 1: but I was wanting to buy something from from them

533
00:25:05,840 --> 00:25:08,159
Speaker 1: the other day, and do I am not going to

534
00:25:08,200 --> 00:25:11,160
Speaker 1: pay for shipping and so that you know, those items

535
00:25:11,200 --> 00:25:13,360
Speaker 1: are just sitting there in the cart, and it's causing

536
00:25:13,359 --> 00:25:16,040
Speaker 1: me to obviously not purchase those items as quickly, and

537
00:25:16,080 --> 00:25:18,600
Speaker 1: so it's slowing down my consumption and also giving me

538
00:25:18,680 --> 00:25:21,040
Speaker 1: time to consider, like, oh, do I actually you know,

539
00:25:21,119 --> 00:25:23,560
Speaker 1: do you actually need those additional uh fruit fruit of

540
00:25:23,560 --> 00:25:26,960
Speaker 1: the loom thermal shirts here in the winter because I

541
00:25:26,960 --> 00:25:28,800
Speaker 1: want to stay warm? Or maybe I can make do

542
00:25:28,920 --> 00:25:30,960
Speaker 1: with what I already have. So I think that's a

543
00:25:30,960 --> 00:25:33,560
Speaker 1: good uh tactic, a good approach you have leaving stuff

544
00:25:33,560 --> 00:25:36,160
Speaker 1: in the shopping cart. It can definitely help and creating

545
00:25:36,240 --> 00:25:38,760
Speaker 1: more friction in the buying process. For most people that

546
00:25:38,800 --> 00:25:41,200
Speaker 1: sounds stupid for but for people that want to save money,

547
00:25:41,480 --> 00:25:43,320
Speaker 1: it's brilliant, right, It's it's a good way to go.

548
00:25:43,640 --> 00:25:46,360
Speaker 1: And also to am X Blue cash preferred for the win.

549
00:25:46,920 --> 00:25:50,080
Speaker 1: That's a great strategy to save even more uncertain purchases

550
00:25:50,320 --> 00:25:53,680
Speaker 1: at Amazon or home improvement stores because those gift cards

551
00:25:53,720 --> 00:25:56,080
Speaker 1: you don't usually find those on discount. To get that

552
00:25:56,119 --> 00:26:00,000
Speaker 1: six percent discount is pretty good. So this is definitely frugal. Uh.

553
00:26:00,119 --> 00:26:02,560
Speaker 1: Plus the fact that you gave that Amazon Prime fee

554
00:26:02,600 --> 00:26:05,600
Speaker 1: away Maza to your local raman shop. That's so generous.

555
00:26:05,840 --> 00:26:07,960
Speaker 1: We're all about making sure that we're taking steps to

556
00:26:07,960 --> 00:26:11,840
Speaker 1: support the local businesses, especially restaurants right now, in particular

557
00:26:11,960 --> 00:26:13,080
Speaker 1: the ones that we love the most, the ones that

558
00:26:13,119 --> 00:26:15,439
Speaker 1: we want to stick around through. So I love your

559
00:26:15,480 --> 00:26:19,199
Speaker 1: generosity and being able to tie the money you're saving

560
00:26:19,320 --> 00:26:21,920
Speaker 1: with a gift you're able to give just so fulfilling.

561
00:26:21,920 --> 00:26:23,480
Speaker 1: So it's such a great way to think about it. Plus,

562
00:26:23,480 --> 00:26:25,159
Speaker 1: just hearing him talk about a ramen shop, man, it

563
00:26:25,160 --> 00:26:27,560
Speaker 1: makes me realize I haven't been to uh, my favorite

564
00:26:27,560 --> 00:26:29,679
Speaker 1: local spot here recently, so I need to head over

565
00:26:29,720 --> 00:26:31,560
Speaker 1: to Lifting Noodles over here in East Atlanta to make

566
00:26:31,600 --> 00:26:34,480
Speaker 1: sure that they are receiving my support as well. Yeah,

567
00:26:34,640 --> 00:26:36,800
Speaker 1: get your ramen on man. All right, We've got several

568
00:26:36,800 --> 00:26:38,840
Speaker 1: more listener wins that we're gonna get to as well

569
00:26:38,920 --> 00:26:40,879
Speaker 1: as a few from Facebook as well. We'll get to

570
00:26:40,920 --> 00:26:52,720
Speaker 1: those right after this break. Are we're back from the break.

571
00:26:52,880 --> 00:26:56,360
Speaker 1: It's the How the Money Year and Jubilee. We're featuring

572
00:26:56,400 --> 00:26:58,800
Speaker 1: your listener wins. It's already been a lot of fun,

573
00:26:58,800 --> 00:27:00,720
Speaker 1: but man, we've got more to share, So let's get

574
00:27:00,720 --> 00:27:04,000
Speaker 1: to that next listener money. When Hi, guys, my name

575
00:27:04,040 --> 00:27:06,320
Speaker 1: is Sam, and I just want to thank you so

576
00:27:06,400 --> 00:27:09,640
Speaker 1: much for all your time and advice. Um, the I'm

577
00:27:09,680 --> 00:27:11,840
Speaker 1: the first in my family to go to college, and

578
00:27:11,880 --> 00:27:15,320
Speaker 1: I'm the first to actually start investing my money. I

579
00:27:15,400 --> 00:27:19,600
Speaker 1: come from not the most ideal economic situation growing up,

580
00:27:20,160 --> 00:27:22,800
Speaker 1: and I did you not when I say your podcast

581
00:27:22,920 --> 00:27:26,680
Speaker 1: has changed the directory of my future. I've learned such

582
00:27:26,720 --> 00:27:30,280
Speaker 1: better financial and budgeting skills on both the macro micro scale.

583
00:27:30,680 --> 00:27:33,080
Speaker 1: I've learned to invest and make my money go further.

584
00:27:33,320 --> 00:27:36,200
Speaker 1: And I'm passing this on to my siblings as well,

585
00:27:36,320 --> 00:27:40,480
Speaker 1: and just thank you so much. Has been an interesting

586
00:27:40,560 --> 00:27:43,960
Speaker 1: year for everybody, but on this one, this way, it's

587
00:27:44,000 --> 00:27:48,320
Speaker 1: been a really great year for personal growth. Thanks dang, Sam,

588
00:27:48,359 --> 00:27:50,320
Speaker 1: thank you so much for sharing that. It is incredible

589
00:27:50,359 --> 00:27:52,720
Speaker 1: to hear that you've been able to take some of

590
00:27:52,720 --> 00:27:55,960
Speaker 1: the advice that you've heard on the show and implement

591
00:27:56,000 --> 00:27:58,680
Speaker 1: it well. Um, you know you're talking about going to school.

592
00:27:58,760 --> 00:28:00,560
Speaker 1: Being the first to do that, like the first, can

593
00:28:00,560 --> 00:28:03,200
Speaker 1: be daunting. You know, the voices that you've been surrounded

594
00:28:03,200 --> 00:28:06,760
Speaker 1: by your entire life just haven't necessarily provided the education

595
00:28:07,000 --> 00:28:10,760
Speaker 1: or insight that makes a strong financial journey easy either. Right,

596
00:28:11,119 --> 00:28:14,080
Speaker 1: But you kept at it with determination to get that

597
00:28:14,200 --> 00:28:18,359
Speaker 1: education and to change that cycle. So major kudos to you. Yeah.

598
00:28:18,440 --> 00:28:21,360
Speaker 1: And the fact too that that Sam is making headway

599
00:28:21,359 --> 00:28:23,560
Speaker 1: with her own money by investing it, but then she's

600
00:28:23,600 --> 00:28:27,240
Speaker 1: also passing that knowledge on to her siblings. That's incredible, right.

601
00:28:27,359 --> 00:28:29,800
Speaker 1: It's just a great reminder to do what we can

602
00:28:29,840 --> 00:28:32,720
Speaker 1: to help other loved ones when it's possible. For us.

603
00:28:33,200 --> 00:28:35,600
Speaker 1: The simple concepts of spending less than you make and

604
00:28:35,640 --> 00:28:38,360
Speaker 1: investing some of your money can be something that we

605
00:28:38,400 --> 00:28:41,240
Speaker 1: almost take for granted. Probably a lot of how the

606
00:28:41,240 --> 00:28:43,640
Speaker 1: money listeners they they've they've been in the personal finance

607
00:28:43,680 --> 00:28:46,080
Speaker 1: space long enough where it feels like everybody should know that,

608
00:28:46,120 --> 00:28:48,840
Speaker 1: but not everybody knows that, and so it's just so

609
00:28:48,920 --> 00:28:51,280
Speaker 1: important to make sure that those around us have that

610
00:28:51,360 --> 00:28:53,760
Speaker 1: knowledge as well. Um And I think there was an

611
00:28:53,840 --> 00:28:55,440
Speaker 1: article I don't know months and months ago Matt the

612
00:28:55,480 --> 00:28:59,480
Speaker 1: New York Times talking about how just the best financial

613
00:28:59,480 --> 00:29:02,160
Speaker 1: advisor be someone in your life, someone already in your

614
00:29:02,160 --> 00:29:03,600
Speaker 1: life that you know. It doesn't have to be someone

615
00:29:03,640 --> 00:29:05,960
Speaker 1: that you hire, someone who wears a fancy suit, and

616
00:29:06,000 --> 00:29:08,120
Speaker 1: sometimes you can be that in somebody else's life. And

617
00:29:08,160 --> 00:29:11,840
Speaker 1: the fact that Sam is kind of being that motivational

618
00:29:11,880 --> 00:29:14,960
Speaker 1: inspiration and and aid um in the life of her

619
00:29:14,960 --> 00:29:17,800
Speaker 1: siblings is huge. So true. Man, Yeah, I love that um.

620
00:29:17,840 --> 00:29:20,520
Speaker 1: All right, let's keep moving. Another listener suffered a job

621
00:29:20,560 --> 00:29:23,080
Speaker 1: loss but still managed some major money wins. Let's hear

622
00:29:23,120 --> 00:29:25,800
Speaker 1: that one. Hey, Matt and Joel, my name is Blake.

623
00:29:25,880 --> 00:29:28,600
Speaker 1: I'm o here in Nashville, Tennessee, and I have been

624
00:29:28,680 --> 00:29:30,520
Speaker 1: I've been listening to you guys for a few years now.

625
00:29:31,160 --> 00:29:33,160
Speaker 1: I wanted to call in to tell you both how

626
00:29:33,280 --> 00:29:35,640
Speaker 1: much you've helped me through this pandemic as well as

627
00:29:35,680 --> 00:29:38,880
Speaker 1: share my money wins. For your end of view episode.

628
00:29:39,640 --> 00:29:42,520
Speaker 1: You guys imationed that has been an absolute dumpster fire.

629
00:29:42,680 --> 00:29:46,040
Speaker 1: I couldn't agree more. The dumpster fire specific to me

630
00:29:46,360 --> 00:29:49,560
Speaker 1: was that I got laid off in April. As scary

631
00:29:49,600 --> 00:29:52,600
Speaker 1: as that was, money really wasn't a stressor thanks to

632
00:29:52,640 --> 00:29:55,160
Speaker 1: the tools and resources you guys have laid out throughout

633
00:29:55,160 --> 00:29:59,160
Speaker 1: the years, I was lucky enough after about six months

634
00:29:59,400 --> 00:30:03,440
Speaker 1: and what seemed like thousands, but more realistically hundreds of

635
00:30:03,440 --> 00:30:08,760
Speaker 1: applications to get a job. In October, I picked up

636
00:30:08,880 --> 00:30:13,240
Speaker 1: my girlfriend and our dog and moved from Brooklyn, New York,

637
00:30:13,280 --> 00:30:17,920
Speaker 1: to Nashville, Tennessee. As for my money wins, Luckily, I

638
00:30:17,960 --> 00:30:20,320
Speaker 1: was pretty much ready to go when I got laid off.

639
00:30:20,360 --> 00:30:22,320
Speaker 1: I had zero credit card debt, and I had a

640
00:30:22,360 --> 00:30:24,800
Speaker 1: small emergency fund built up and was still paying my

641
00:30:24,880 --> 00:30:28,280
Speaker 1: student loans. That had a huge impact on my mental

642
00:30:28,360 --> 00:30:32,320
Speaker 1: health during the during my unemployment. Um, it was great

643
00:30:32,360 --> 00:30:34,960
Speaker 1: to have that sort of sort of to fall back

644
00:30:35,000 --> 00:30:37,960
Speaker 1: on if it was ever needed. And luckily I made

645
00:30:37,960 --> 00:30:41,200
Speaker 1: it through the unemployment with no credit card debt, I

646
00:30:41,320 --> 00:30:46,120
Speaker 1: nearly trimpled emergency funds and mildly less student loans, and

647
00:30:46,400 --> 00:30:49,120
Speaker 1: luckily I've landed in a place with lower cost of living.

648
00:30:49,800 --> 00:30:52,480
Speaker 1: So yeah, those are my money wins. I appreciate everything

649
00:30:52,480 --> 00:30:55,160
Speaker 1: you guys have done. I'm still learning the Nashville beer scene.

650
00:30:55,360 --> 00:30:58,040
Speaker 1: But if you're ever in Brooklyn, check out strong Row Brewery.

651
00:30:58,160 --> 00:31:01,040
Speaker 1: You won't regret it. Keep up the good work, happy,

652
00:31:01,080 --> 00:31:03,200
Speaker 1: All it is to you and your family is taken

653
00:31:03,280 --> 00:31:06,520
Speaker 1: easy quick Blake. Oh my goodness, man, that that is

654
00:31:06,600 --> 00:31:10,040
Speaker 1: so much change in one year, and and yet moving

655
00:31:10,080 --> 00:31:12,720
Speaker 1: to a new city, laid off, finding a new job,

656
00:31:12,960 --> 00:31:14,880
Speaker 1: and I know that can be, you know, a frustrating,

657
00:31:14,920 --> 00:31:18,680
Speaker 1: dawning process trying to to find new work too, especially

658
00:31:18,840 --> 00:31:21,360
Speaker 1: in today's environment. So congrats on all you've been able

659
00:31:21,400 --> 00:31:24,600
Speaker 1: to accomplish considering all those head ones you're facing. By

660
00:31:24,600 --> 00:31:26,240
Speaker 1: the way, since you're new to the Nashville beer scene,

661
00:31:26,240 --> 00:31:28,000
Speaker 1: Matt and I will let you know a couple of

662
00:31:28,000 --> 00:31:32,120
Speaker 1: our favorites, Bearded Iris and Southern Grist are two good

663
00:31:32,120 --> 00:31:35,440
Speaker 1: ones to visit UM since you're there now. But congrats

664
00:31:35,560 --> 00:31:38,400
Speaker 1: on coming out even further ahead on your savings despite

665
00:31:38,560 --> 00:31:42,000
Speaker 1: that job loss. And this is definitely major cause for

666
00:31:42,080 --> 00:31:44,880
Speaker 1: celebration to say that you're further ahead on your finances

667
00:31:44,920 --> 00:31:47,200
Speaker 1: than you were even with all that stuff you faced.

668
00:31:47,240 --> 00:31:49,760
Speaker 1: It's just incredible. Yeah, As as Blake shows, there's so

669
00:31:49,840 --> 00:31:53,920
Speaker 1: much flexibility you have when you are prepared for emergencies

670
00:31:54,120 --> 00:31:56,160
Speaker 1: ahead of time. You know, you can move to a

671
00:31:56,160 --> 00:31:58,920
Speaker 1: lower cost city and you've got additional time flexibility to

672
00:31:58,960 --> 00:32:01,720
Speaker 1: find the right job, and that kind of helps to

673
00:32:01,760 --> 00:32:04,400
Speaker 1: maintain UM your mental health, but it also adds to

674
00:32:04,480 --> 00:32:07,840
Speaker 1: your mental fortitude as well, Blake, because of all this,

675
00:32:07,920 --> 00:32:10,000
Speaker 1: you're you're you're tougher as well, and so we have

676
00:32:10,080 --> 00:32:12,080
Speaker 1: a great job there. So Jo, let's get to our

677
00:32:12,080 --> 00:32:14,520
Speaker 1: next listener. One. Let's hear one about a listener in

678
00:32:14,560 --> 00:32:19,080
Speaker 1: San Diego who is taking awesome steps towards securing a

679
00:32:19,160 --> 00:32:23,720
Speaker 1: solid retirement. Hi, Joelan Matt, this is Tyler in San Diego.

680
00:32:24,600 --> 00:32:27,640
Speaker 1: Achievement of the year is finally maxing out in full

681
00:32:27,760 --> 00:32:30,840
Speaker 1: my wrath Era and my four oh one k contributions

682
00:32:30,880 --> 00:32:33,080
Speaker 1: for this year. Thanks a lot for the show and

683
00:32:33,160 --> 00:32:36,520
Speaker 1: keep it up, man, Tyler. Maxing out your retirement accounts

684
00:32:36,800 --> 00:32:40,160
Speaker 1: definitely win. That's a big win. That is is hard

685
00:32:40,320 --> 00:32:41,800
Speaker 1: to get for a whole lot of people. So the

686
00:32:41,840 --> 00:32:43,960
Speaker 1: fact that you were able to to hit that twenty

687
00:32:44,000 --> 00:32:47,600
Speaker 1: five dollars in one year, congrats on that, man, that's huge.

688
00:32:47,960 --> 00:32:50,680
Speaker 1: And obviously I'm sure you didn't get here overnight. It

689
00:32:50,680 --> 00:32:53,640
Speaker 1: took a lot of time and dedication. So I'll just say,

690
00:32:53,720 --> 00:32:56,280
Speaker 1: saving for retirement something that might be twenty thirty or

691
00:32:56,320 --> 00:32:58,440
Speaker 1: even forty years away, it's hard to do for so

692
00:32:58,480 --> 00:33:00,440
Speaker 1: many people, and the fact that you were able to

693
00:33:00,480 --> 00:33:03,920
Speaker 1: prioritize it to this extent um is just incredible and

694
00:33:04,080 --> 00:33:06,120
Speaker 1: um and so yeah, for any of our other listeners

695
00:33:06,120 --> 00:33:07,960
Speaker 1: out there, Matt, if that's a goal of their's, it's

696
00:33:07,960 --> 00:33:09,719
Speaker 1: hard to just turn the dial and be like, yep,

697
00:33:09,920 --> 00:33:13,200
Speaker 1: doing it. This is something I'm now going to do. Yeah, yeah, yeah,

698
00:33:13,200 --> 00:33:15,720
Speaker 1: it's it's something that will take maybe a couple of

699
00:33:15,800 --> 00:33:18,480
Speaker 1: years of cutting back and intentionally putting more and just

700
00:33:18,800 --> 00:33:21,440
Speaker 1: creeping up towards that goal. Um but major kudos to

701
00:33:21,480 --> 00:33:23,080
Speaker 1: Tyler for making it happen. I'm gonna think of that

702
00:33:23,760 --> 00:33:26,160
Speaker 1: as like a down payment on his future. Um. So yeah,

703
00:33:26,160 --> 00:33:28,240
Speaker 1: it's yeah, it's pretty awesome. And we've got one more

704
00:33:28,280 --> 00:33:30,200
Speaker 1: listener money when we want to share, And actually this

705
00:33:30,240 --> 00:33:33,240
Speaker 1: one is two money wins rolled into one, Hi, Joel

706
00:33:33,240 --> 00:33:36,600
Speaker 1: and Matt. This is Sandy from New England. I want

707
00:33:36,640 --> 00:33:38,880
Speaker 1: to share two money wins that I had this year.

708
00:33:39,800 --> 00:33:43,160
Speaker 1: Number one, I finally reached my goal of having six

709
00:33:43,200 --> 00:33:47,000
Speaker 1: months worth of expenses in an emergency account. I was

710
00:33:47,080 --> 00:33:49,640
Speaker 1: able to enjoy that for all of about a month,

711
00:33:49,760 --> 00:33:54,480
Speaker 1: because then in October my water heater and gas burner

712
00:33:55,240 --> 00:33:59,160
Speaker 1: finally what could put and I had to replace both

713
00:33:59,200 --> 00:34:02,160
Speaker 1: of those items. So for a little while I was

714
00:34:02,240 --> 00:34:04,520
Speaker 1: kind of bummed because I had to dip into that

715
00:34:05,440 --> 00:34:08,880
Speaker 1: emergency fund, But then of course I realized that's what

716
00:34:08,960 --> 00:34:11,279
Speaker 1: it's for, and by the end of the year I

717
00:34:11,280 --> 00:34:14,360
Speaker 1: should be back up to about five months worth of

718
00:34:14,400 --> 00:34:17,880
Speaker 1: an emergency fund, and I'll continue to fund it. My

719
00:34:18,040 --> 00:34:23,960
Speaker 1: second win this year was setting up a monthly recurring

720
00:34:24,760 --> 00:34:28,160
Speaker 1: donation to a local nonprofit. I set it up to

721
00:34:28,160 --> 00:34:30,840
Speaker 1: come out of my account a hundred dollars every month,

722
00:34:31,239 --> 00:34:33,200
Speaker 1: so I feel pretty good that by the end of

723
00:34:33,200 --> 00:34:38,279
Speaker 1: the year I'll have contributed to this particular charitable organization.

724
00:34:38,920 --> 00:34:41,479
Speaker 1: I appreciate all the things you guys share with us

725
00:34:42,160 --> 00:34:46,960
Speaker 1: every week, and I'm looking forward to Thanks so much, Sandy.

726
00:34:47,000 --> 00:34:49,360
Speaker 1: That is awesome. It sounds like you got that emergency

727
00:34:49,360 --> 00:34:52,799
Speaker 1: fund in shape just in time. Congrats on not having

728
00:34:52,800 --> 00:34:54,600
Speaker 1: to rely on credit cards at a high rate of

729
00:34:54,600 --> 00:34:58,640
Speaker 1: interest in order to cover that that unexpected expense. And

730
00:34:58,920 --> 00:35:02,120
Speaker 1: you know you mentioned giving. We're we're fans of intentionally

731
00:35:02,120 --> 00:35:04,080
Speaker 1: giving money away, so you know, we're pumped to see

732
00:35:04,120 --> 00:35:06,239
Speaker 1: that you've made this a goal and that you've hit it.

733
00:35:06,480 --> 00:35:08,760
Speaker 1: I think it can be tempting, especially when a big

734
00:35:08,800 --> 00:35:12,239
Speaker 1: expense arises that slams into your emergency fund, to uh

735
00:35:12,320 --> 00:35:14,759
Speaker 1: to look for maybe some other places to cut back,

736
00:35:15,120 --> 00:35:18,360
Speaker 1: like perhaps you're giving. But you know your perspective is

737
00:35:18,520 --> 00:35:20,960
Speaker 1: is spot on, and doesn't it feel so dang good

738
00:35:21,000 --> 00:35:23,880
Speaker 1: to hit those goals personally and to be part of

739
00:35:24,120 --> 00:35:27,040
Speaker 1: the mission of a nonprofit. I think that is just awesome.

740
00:35:27,080 --> 00:35:28,840
Speaker 1: I'm so glad that you're able to do that. And

741
00:35:28,920 --> 00:35:30,759
Speaker 1: this is another one too, for automation. You know, we

742
00:35:30,800 --> 00:35:33,319
Speaker 1: were talking earlier about just what just finding ways to

743
00:35:33,320 --> 00:35:36,160
Speaker 1: automate things to to get you moving into the direction

744
00:35:36,640 --> 00:35:38,399
Speaker 1: that you want to be. I think sometimes folks can

745
00:35:38,600 --> 00:35:40,560
Speaker 1: kind of downplay automation a little bit because it maybe

746
00:35:40,600 --> 00:35:42,879
Speaker 1: it removes the heart from what it is that you're doing.

747
00:35:43,080 --> 00:35:46,319
Speaker 1: But I think whatever it takes to get the ball rolling, uh,

748
00:35:46,360 --> 00:35:48,360
Speaker 1: and then just the fact that that is something you

749
00:35:48,400 --> 00:35:50,640
Speaker 1: are then doing becomes a part of who you are,

750
00:35:51,040 --> 00:35:52,600
Speaker 1: and I think that's more important the fact that a

751
00:35:52,680 --> 00:35:54,879
Speaker 1: you're doing it, and then over time, uh, you kind

752
00:35:54,880 --> 00:35:57,200
Speaker 1: of adopt that as who you are. You are somebody

753
00:35:57,239 --> 00:36:00,200
Speaker 1: who gives the charity. You've taken the intentional steps to

754
00:36:00,200 --> 00:36:03,279
Speaker 1: towards that goal. They're crushing it and keep it up. Sandy, Yeah, man,

755
00:36:03,280 --> 00:36:05,600
Speaker 1: I think automation is huge and when giving I agree.

756
00:36:05,640 --> 00:36:06,879
Speaker 1: I think a lot of people say, no, I don't

757
00:36:06,880 --> 00:36:08,560
Speaker 1: want to automate it because I will lose the heart

758
00:36:08,560 --> 00:36:11,480
Speaker 1: behind it. But you know, actually, our family sponsored a

759
00:36:11,520 --> 00:36:13,759
Speaker 1: kiddo on on Bound dot org, which is super cool

760
00:36:13,800 --> 00:36:17,160
Speaker 1: website helping kids and their families, you know, across the world.

761
00:36:17,480 --> 00:36:18,920
Speaker 1: And it was fun to do with my daughters to

762
00:36:18,920 --> 00:36:21,160
Speaker 1: pick a child that we could support. And you know what,

763
00:36:21,239 --> 00:36:22,840
Speaker 1: we we have something on the side of our fridge

764
00:36:23,040 --> 00:36:26,120
Speaker 1: where we're reminded about that where that money is going

765
00:36:26,120 --> 00:36:28,720
Speaker 1: and who it's helping, how it's helping our family. So

766
00:36:29,000 --> 00:36:31,000
Speaker 1: we want to automate it so we don't forget, because

767
00:36:31,000 --> 00:36:33,319
Speaker 1: like I said earlier, I'm pro to forgetting, like I

768
00:36:33,360 --> 00:36:35,919
Speaker 1: need that automation. If I didn't do it, her family

769
00:36:35,920 --> 00:36:37,960
Speaker 1: wouldn't get the support they need. And so there's just

770
00:36:38,080 --> 00:36:41,120
Speaker 1: other ways to remind yourself about the good that's happening

771
00:36:41,120 --> 00:36:43,440
Speaker 1: because of your gift, as opposed to having to actually

772
00:36:43,440 --> 00:36:46,279
Speaker 1: physically make the contribution every single month. All right, Matt,

773
00:36:46,360 --> 00:36:48,239
Speaker 1: let's just mention a couple a couple of people chimed

774
00:36:48,239 --> 00:36:50,200
Speaker 1: down on Facebook two didn't have quite the time to

775
00:36:50,239 --> 00:36:53,479
Speaker 1: send in a voice memo. Sarah mentioned that she paid

776
00:36:53,480 --> 00:36:56,320
Speaker 1: off eight thousand dollars in credit card debt, has credit

777
00:36:56,320 --> 00:36:59,400
Speaker 1: card debt now of zero dollars. So yeah, big props

778
00:36:59,400 --> 00:37:02,279
Speaker 1: to Sarah. Steve refinance the mortgage was able to knock

779
00:37:02,320 --> 00:37:05,919
Speaker 1: off p M I and is saving two a month now, right, Yeah,

780
00:37:05,920 --> 00:37:08,000
Speaker 1: that's pretty good. And then Jesse and his wife have

781
00:37:08,160 --> 00:37:11,440
Speaker 1: both actually been working more this year. They're both essential workers.

782
00:37:11,480 --> 00:37:13,960
Speaker 1: His wife is a nurse and they're maxing out both

783
00:37:14,000 --> 00:37:16,719
Speaker 1: their four one K and ira A contributions. So all

784
00:37:16,760 --> 00:37:19,320
Speaker 1: those money wins are just so awesome. Thank you guys

785
00:37:19,560 --> 00:37:22,080
Speaker 1: for sharing every single one of them. It's inspiring to

786
00:37:22,120 --> 00:37:23,560
Speaker 1: hear what you guys are up to, and it feels

787
00:37:23,719 --> 00:37:26,200
Speaker 1: more like there's a movement happening of people doing really

788
00:37:26,200 --> 00:37:28,520
Speaker 1: awesome things with their money, and I'm just so excited

789
00:37:28,520 --> 00:37:30,480
Speaker 1: to be a part of it. Yeah, most definitely. I

790
00:37:31,040 --> 00:37:32,520
Speaker 1: think this is just such a great way to finish

791
00:37:32,560 --> 00:37:34,640
Speaker 1: up the year, right. We feel it's important to make

792
00:37:34,640 --> 00:37:36,520
Speaker 1: sure that you take a minute to celebrate and of

793
00:37:36,560 --> 00:37:38,560
Speaker 1: your own financial wins too, you know, even if they

794
00:37:38,600 --> 00:37:41,120
Speaker 1: seem tiny before you get too busy making those New

795
00:37:41,200 --> 00:37:44,759
Speaker 1: Year's resolutions, it's actually motivational to see those victories as

796
00:37:44,760 --> 00:37:48,920
Speaker 1: you start planning your your next financial conquest. Um and

797
00:37:48,960 --> 00:37:50,960
Speaker 1: remember too that you know, when it comes to celebrating

798
00:37:51,000 --> 00:37:53,320
Speaker 1: these wins, you don't have to spend a lot of money. Joel,

799
00:37:53,440 --> 00:37:55,120
Speaker 1: you and I were actually gonna be celebrating with our

800
00:37:55,120 --> 00:37:57,480
Speaker 1: wives tonight, kind of celebrating the year and uh, you

801
00:37:57,480 --> 00:37:59,719
Speaker 1: know the things that we were able to accomplish. Uh,

802
00:37:59,719 --> 00:38:01,759
Speaker 1: And we're gonna do that at home with a nice,

803
00:38:02,080 --> 00:38:04,759
Speaker 1: you know, simple, at home cooked meal. We're gonna grill

804
00:38:04,840 --> 00:38:06,799
Speaker 1: up some rib bis, and of course we're gonna have

805
00:38:06,840 --> 00:38:09,120
Speaker 1: a nice bottle of some craft beer because that's what

806
00:38:09,120 --> 00:38:12,080
Speaker 1: we do. But it doesn't have to be this extravagant thing.

807
00:38:12,120 --> 00:38:15,480
Speaker 1: It can be something uh as small as h as Yeah,

808
00:38:15,560 --> 00:38:17,960
Speaker 1: cooking a meal at home without the kids, having some

809
00:38:18,200 --> 00:38:19,960
Speaker 1: grown up time without the kids, kind of tucking on

810
00:38:20,000 --> 00:38:22,799
Speaker 1: the shirts. Were paying for some babysitters as well. Yeah, yeah,

811
00:38:23,000 --> 00:38:25,239
Speaker 1: and the hopefully we're gonna pull out some ticket to ride.

812
00:38:25,239 --> 00:38:27,759
Speaker 1: I have a couple of games. Oh yes, that's something

813
00:38:27,800 --> 00:38:30,000
Speaker 1: that we used to do way more, dude, playing playing

814
00:38:30,280 --> 00:38:33,839
Speaker 1: strategy board games. And I'm really looking forward to tonight. Yeah.

815
00:38:33,880 --> 00:38:36,359
Speaker 1: The amount of board game hangout time in my life

816
00:38:36,360 --> 00:38:39,040
Speaker 1: has been drastically reduced. I miss it, So I'm excited

817
00:38:39,040 --> 00:38:40,680
Speaker 1: to play some board games tonight. But yeah, I mean

818
00:38:40,719 --> 00:38:42,759
Speaker 1: it really it's not fancy. You know, we're not going

819
00:38:42,800 --> 00:38:45,800
Speaker 1: to some fancy steakhouse or anything like. We're celebrating indoors

820
00:38:46,280 --> 00:38:48,360
Speaker 1: in our own homes and just that time is going

821
00:38:48,400 --> 00:38:50,879
Speaker 1: to be special. I agree. So um, kudos to all

822
00:38:50,880 --> 00:38:52,839
Speaker 1: of you who have made great money strides this year.

823
00:38:52,880 --> 00:38:56,120
Speaker 1: I hope this episode has been motivational to you, and

824
00:38:56,120 --> 00:38:59,879
Speaker 1: hopefully in one we're gonna do another money jubilee sell,

825
00:39:00,080 --> 00:39:02,640
Speaker 1: bringing even more listener wins next year. So next year

826
00:39:02,680 --> 00:39:06,399
Speaker 1: will include you. That's right, you, yeah, you heard us.

827
00:39:06,520 --> 00:39:08,120
Speaker 1: All right, Matt, Let's go back to the beer that

828
00:39:08,160 --> 00:39:10,760
Speaker 1: we had on this show. This one is Samuel Smith's

829
00:39:10,760 --> 00:39:13,680
Speaker 1: Winter welcome Ale called Welcome Back Ale this year because

830
00:39:13,680 --> 00:39:16,000
Speaker 1: they're raising funds for the US Bartenders Guild Man. What

831
00:39:16,239 --> 00:39:18,200
Speaker 1: were your thoughts on this beer? Point out, I think

832
00:39:18,200 --> 00:39:20,400
Speaker 1: the first thing that you always noticed about a Samuel

833
00:39:20,440 --> 00:39:22,279
Speaker 1: Smith bottle of beer is that it's always got the

834
00:39:22,280 --> 00:39:25,920
Speaker 1: gold foil. It's classy like that. Yeah, yeah, uh so

835
00:39:26,080 --> 00:39:27,839
Speaker 1: that's one of the first things that stood up. But yeah,

836
00:39:27,880 --> 00:39:31,279
Speaker 1: this is a delicious kind of multi uh winter ale.

837
00:39:31,440 --> 00:39:33,240
Speaker 1: I feel that maybe one of the ways to describe

838
00:39:33,239 --> 00:39:35,400
Speaker 1: it as like a kind of a warming beer. It

839
00:39:35,480 --> 00:39:38,600
Speaker 1: has maybe some subtle kind of winter spices within the

840
00:39:38,600 --> 00:39:41,560
Speaker 1: flavor profile. But yeah, this is a really tasty beers.

841
00:39:41,640 --> 00:39:44,200
Speaker 1: Is a fun appropriate beer to kind of in the

842
00:39:44,280 --> 00:39:46,080
Speaker 1: in the year on, right, And so this is welcome

843
00:39:46,120 --> 00:39:51,600
Speaker 1: back this version of this beer. What your thoughts on it? Yeah,

844
00:39:51,640 --> 00:39:53,520
Speaker 1: kind of like a lot of dark her beers, and

845
00:39:53,520 --> 00:39:54,680
Speaker 1: this one I would say is more in like the

846
00:39:54,719 --> 00:39:57,719
Speaker 1: brown ale category. Yeah. Yeah, as it warms up, you

847
00:39:57,800 --> 00:39:59,480
Speaker 1: kind of start to see more of the nuance in

848
00:39:59,520 --> 00:40:02,080
Speaker 1: the beer. Specifically in this one, the spice notes became

849
00:40:02,120 --> 00:40:05,160
Speaker 1: a little more evident. Um. I like this beer mostly

850
00:40:05,200 --> 00:40:08,080
Speaker 1: because it's literally one of the first really good beers

851
00:40:08,120 --> 00:40:10,399
Speaker 1: I remember having and kind of helped me get into

852
00:40:10,400 --> 00:40:12,680
Speaker 1: beer as well, kind of like the Trader Joe's beer

853
00:40:12,719 --> 00:40:16,080
Speaker 1: that we have on Monday's episode. Uh, those Belgian beers,

854
00:40:16,160 --> 00:40:18,600
Speaker 1: this English beer that were kind of the beginning for

855
00:40:18,640 --> 00:40:21,400
Speaker 1: me in finding out about good beer. Um, so this

856
00:40:21,440 --> 00:40:23,200
Speaker 1: one holds a special place in my heart. Uh, and

857
00:40:23,239 --> 00:40:25,400
Speaker 1: I agree. It's a perfect year end beer to have

858
00:40:25,440 --> 00:40:27,480
Speaker 1: on the show. Yeah, we're so sentimental, well kind of

859
00:40:27,719 --> 00:40:29,560
Speaker 1: you know, end of the year, we're bringing it back home,

860
00:40:29,760 --> 00:40:32,040
Speaker 1: like going back to our origins as to where it

861
00:40:32,120 --> 00:40:34,279
Speaker 1: is that we started drinking craft beer. But glad that

862
00:40:34,280 --> 00:40:36,000
Speaker 1: we were able to share this one, and a lot

863
00:40:36,040 --> 00:40:38,000
Speaker 1: of listeners, like I said earlier, can find this one

864
00:40:38,040 --> 00:40:40,800
Speaker 1: too locally. It's not a beer that's super rare or

865
00:40:41,080 --> 00:40:44,279
Speaker 1: something that's way so experimental that it would turn maybe

866
00:40:44,280 --> 00:40:46,080
Speaker 1: a lot of people off the beer that a lot

867
00:40:46,120 --> 00:40:48,759
Speaker 1: of people could drink. So so yeah, we'll link to

868
00:40:48,920 --> 00:40:51,279
Speaker 1: any of the different resources that we mentioned during this

869
00:40:51,320 --> 00:40:53,840
Speaker 1: episode within our show notes for this episode, and you

870
00:40:53,880 --> 00:40:56,080
Speaker 1: can find those at how the Money dot com. Yeah,

871
00:40:56,160 --> 00:40:58,799
Speaker 1: and we hope you have a safe and fun New

872
00:40:58,880 --> 00:41:01,440
Speaker 1: Year's Eve and we look forward to seeing you back

873
00:41:01,480 --> 00:41:05,520
Speaker 1: here in January. We're really excited about the podcast episodes

874
00:41:05,560 --> 00:41:07,160
Speaker 1: we're gonna be able to bring to you next year,

875
00:41:07,360 --> 00:41:10,759
Speaker 1: including some really awesome interview episodes coming in January two,

876
00:41:10,920 --> 00:41:12,480
Speaker 1: so look out for those, and if you haven't hit

877
00:41:12,520 --> 00:41:14,400
Speaker 1: the subscribe button yet, make sure to do that so

878
00:41:14,480 --> 00:41:18,399
Speaker 1: you continually get notified of the episodes that were releasing. Yeah,

879
00:41:18,440 --> 00:41:20,680
Speaker 1: so happy New Year's to everyone out there and Joel

880
00:41:20,760 --> 00:41:23,520
Speaker 1: until next time, Until next year. Oh, until next year.

881
00:41:23,560 --> 00:41:25,160
Speaker 1: Best friends out, Best friends Out.