1 00:00:00,120 --> 00:00:02,480 Speaker 1: Welcome to How the Money. I'm Joel and I and 2 00:00:02,600 --> 00:00:05,800 Speaker 1: Matt and today we're discussing internet data caps, apps that 3 00:00:05,880 --> 00:00:27,280 Speaker 1: save you money, and home renovation payback. When you said 4 00:00:27,360 --> 00:00:29,480 Speaker 1: home renovation payback, it makes me think of like your 5 00:00:29,520 --> 00:00:32,519 Speaker 1: wife paying you back for maybe trying to attempt at 6 00:00:32,560 --> 00:00:35,040 Speaker 1: d I y home projects. It makes me thinking about 7 00:00:35,040 --> 00:00:37,320 Speaker 1: Mel Gibson movie Payback. I don't I don't think I 8 00:00:37,360 --> 00:00:38,680 Speaker 1: ever saw that one. I don't know if I did, 9 00:00:38,680 --> 00:00:41,360 Speaker 1: either body. I think it was in a movie called Payback. 10 00:00:41,400 --> 00:00:44,240 Speaker 1: Now I'm second guessing myself. Sounds like a movie from 11 00:00:44,280 --> 00:00:47,839 Speaker 1: the early odts that was mediocre. Yeah, that's right. So 12 00:00:47,880 --> 00:00:49,760 Speaker 1: that Yeah, this is a Friday Flight episode. This is 13 00:00:49,760 --> 00:00:51,480 Speaker 1: where we are going to cover a lot of different 14 00:00:51,479 --> 00:00:53,720 Speaker 1: stories that we came across this week, buddy, that you 15 00:00:53,760 --> 00:00:56,160 Speaker 1: and I that we found interesting because they, in one 16 00:00:56,160 --> 00:00:58,640 Speaker 1: way or the other, affect our personal finances. Before we 17 00:00:58,640 --> 00:01:01,600 Speaker 1: get to those stories, dude, it is been so cold, bitter, 18 00:01:01,600 --> 00:01:03,640 Speaker 1: really cold, and and lots of parts of the country 19 00:01:03,680 --> 00:01:05,800 Speaker 1: it's been crazy cold. There's like the polar vortex up 20 00:01:05,840 --> 00:01:08,320 Speaker 1: in the Northeast and even down here in Atlanta, our 21 00:01:08,400 --> 00:01:12,319 Speaker 1: heat has been running virtually like NonStop we we've got 22 00:01:12,319 --> 00:01:14,800 Speaker 1: a gas furnace, and what that also means is the 23 00:01:14,840 --> 00:01:18,119 Speaker 1: air inside of our house has been crazy dry. I'm 24 00:01:18,240 --> 00:01:20,960 Speaker 1: hopefully this doesn't seem too pedestrian, but I think a 25 00:01:21,000 --> 00:01:22,920 Speaker 1: lot of times folks who are thinking, oh my gosh, 26 00:01:22,920 --> 00:01:24,840 Speaker 1: my skin is so dry, that the house is so dry, 27 00:01:24,920 --> 00:01:27,880 Speaker 1: Let's go buy a humidifire. Here's the thing. If you 28 00:01:27,920 --> 00:01:30,440 Speaker 1: have an instant pot, you don't need a humidifier because 29 00:01:30,480 --> 00:01:34,240 Speaker 1: you already have one instant hack time, let's do this, yeah, exactly. Uh, 30 00:01:34,280 --> 00:01:36,240 Speaker 1: and so what we've been doing. We fill the thing 31 00:01:36,319 --> 00:01:38,520 Speaker 1: up with water, take the lid off, and we just 32 00:01:38,600 --> 00:01:40,720 Speaker 1: hit the saute button, which puts it on a thirty 33 00:01:40,720 --> 00:01:42,479 Speaker 1: minute timer, and it runs as hot as it can 34 00:01:42,720 --> 00:01:44,959 Speaker 1: and it will boil the water and it releases a 35 00:01:44,959 --> 00:01:46,920 Speaker 1: ton of moisture into the house. Man, Like, we used 36 00:01:46,920 --> 00:01:48,520 Speaker 1: to have the humidifier, but it was such a pain 37 00:01:48,560 --> 00:01:50,240 Speaker 1: in the butt. It was a cool mist I don't 38 00:01:50,240 --> 00:01:52,280 Speaker 1: know if maybe those are harder to refill than some 39 00:01:52,320 --> 00:01:53,680 Speaker 1: of the other ones. They're supposed to be safer for 40 00:01:53,680 --> 00:01:55,680 Speaker 1: the kids since it was on the ground, but like 41 00:01:56,160 --> 00:01:59,080 Speaker 1: taking the the jug, unscrewing the cap, filling it up 42 00:01:59,080 --> 00:02:02,240 Speaker 1: in the bathumb making sure that the like the paper 43 00:02:02,280 --> 00:02:05,880 Speaker 1: air filter that it goes through isn't moldy because it's 44 00:02:06,600 --> 00:02:08,200 Speaker 1: you know, it's wet and it sits there and it's 45 00:02:08,200 --> 00:02:10,120 Speaker 1: a breeding ground for mold and other things like that, 46 00:02:10,160 --> 00:02:11,960 Speaker 1: which is like the opposite of what you want, right, Like, 47 00:02:11,960 --> 00:02:13,760 Speaker 1: if you're trying to improve the air quality in your home, 48 00:02:14,120 --> 00:02:17,520 Speaker 1: having a moldy air filter that's just helping spores into 49 00:02:17,520 --> 00:02:20,000 Speaker 1: your into your house is the exact opposite of what 50 00:02:20,040 --> 00:02:21,880 Speaker 1: you're looking for. So yeah, I wanted to mention that 51 00:02:21,919 --> 00:02:24,679 Speaker 1: because if you already have an instant pot, it's virtually free. 52 00:02:24,680 --> 00:02:27,000 Speaker 1: Obviously you're paying for you know, the cost of electricity, 53 00:02:27,240 --> 00:02:28,600 Speaker 1: but you don't have to go out there and buy 54 00:02:28,639 --> 00:02:30,400 Speaker 1: something new there you go. I like it, man, I 55 00:02:30,440 --> 00:02:32,760 Speaker 1: like using what you've already got. It's less clutter like 56 00:02:32,840 --> 00:02:35,120 Speaker 1: you know those yeah, I know to like the ones 57 00:02:35,160 --> 00:02:36,800 Speaker 1: that like are shaped like elephants and stuff like that. 58 00:02:36,840 --> 00:02:38,280 Speaker 1: We had one of those when the kids were little. 59 00:02:38,360 --> 00:02:40,760 Speaker 1: Then they would wrestle it and you know, break the 60 00:02:40,800 --> 00:02:43,480 Speaker 1: trunk and stuff like that. So I think, yeah, having 61 00:02:43,520 --> 00:02:46,080 Speaker 1: an instant pot on a countertop makes more sense. And 62 00:02:46,080 --> 00:02:48,960 Speaker 1: then you know what, once you've humidified your house, you 63 00:02:49,000 --> 00:02:52,000 Speaker 1: can cook your chicken. Yeah, absolutely well. And here the 64 00:02:52,040 --> 00:02:53,400 Speaker 1: other thing too, Folks will be like, why don't you 65 00:02:53,440 --> 00:02:54,679 Speaker 1: just boil a pot of water, like you've got a 66 00:02:54,720 --> 00:02:57,080 Speaker 1: stove right. Well, the thing is, I feel less comfortable 67 00:02:57,080 --> 00:02:59,919 Speaker 1: about leaving the stove on unmonitored and what in the 68 00:03:00,000 --> 00:03:02,200 Speaker 1: know with a saltab button. It's on a thirty minute timer, 69 00:03:02,240 --> 00:03:04,720 Speaker 1: and so it will automatically cut off. And so literally, 70 00:03:04,760 --> 00:03:06,760 Speaker 1: if I walk by and it's not running, I'll hit it. 71 00:03:07,160 --> 00:03:09,240 Speaker 1: But it causes me to look into the pot, make 72 00:03:09,240 --> 00:03:10,880 Speaker 1: sure there's enough water in there, because you don't want 73 00:03:10,880 --> 00:03:13,120 Speaker 1: to obviously running if there's no water in there, because 74 00:03:13,120 --> 00:03:14,840 Speaker 1: I don't you know, might cause a fire or something like. Yeah. 75 00:03:14,960 --> 00:03:17,120 Speaker 1: So so maybe we should put a little disclaimer out there. 76 00:03:17,600 --> 00:03:20,200 Speaker 1: Don't leave boiling pots of water or technically, don't even 77 00:03:20,280 --> 00:03:22,760 Speaker 1: leave your instant pot if you're not certain that it 78 00:03:22,800 --> 00:03:25,360 Speaker 1: has enough water in it. Yeah, but careful, be careful, 79 00:03:25,639 --> 00:03:28,160 Speaker 1: be careful. All right, let's move on to the Friday 80 00:03:28,160 --> 00:03:30,320 Speaker 1: Flight Matt stories we found interesting this week that pertained 81 00:03:30,360 --> 00:03:33,040 Speaker 1: to people's personal finances. There's a bunch of stuff this 82 00:03:33,080 --> 00:03:34,960 Speaker 1: week that I think is going to be helpful to 83 00:03:34,960 --> 00:03:36,839 Speaker 1: folks out there. And one thing we saw this week 84 00:03:36,920 --> 00:03:39,480 Speaker 1: was that demand for life insurance has been up in 85 00:03:39,520 --> 00:03:42,080 Speaker 1: a big way in the pandemic, especially for folks who 86 00:03:42,080 --> 00:03:43,840 Speaker 1: are under the age of forty five. So a lot 87 00:03:43,840 --> 00:03:46,200 Speaker 1: of a lot of younger people finally doing what they 88 00:03:46,200 --> 00:03:48,920 Speaker 1: should have done a while back, probably maybe years ago. 89 00:03:49,040 --> 00:03:51,760 Speaker 1: You've been putting it off, and a lot of people decided, 90 00:03:51,800 --> 00:03:53,200 Speaker 1: you know what, I'm not gonna put it off anymore. 91 00:03:53,240 --> 00:03:55,760 Speaker 1: It's really important. And there was an eight percent bump 92 00:03:55,800 --> 00:03:58,600 Speaker 1: in life insurance applications for folks forty five and younger 93 00:03:58,680 --> 00:04:01,880 Speaker 1: last year. One insurance company reported to The Wall Street 94 00:04:01,920 --> 00:04:05,840 Speaker 1: Journal that they had a surge for buyers ages forty 95 00:04:05,840 --> 00:04:08,280 Speaker 1: and under. That is huge. Yeah, that's great, right like, 96 00:04:08,400 --> 00:04:11,040 Speaker 1: And just kind of an interesting tidbit that you know, 97 00:04:11,080 --> 00:04:13,200 Speaker 1: folks in in this age range of forty and under 98 00:04:13,240 --> 00:04:16,280 Speaker 1: are much less likely to die from COVID than folks 99 00:04:16,279 --> 00:04:18,440 Speaker 1: twice or age of course, right we've seen just a 100 00:04:18,480 --> 00:04:21,599 Speaker 1: massive percentage of the death of COVID sadly are in 101 00:04:21,960 --> 00:04:26,120 Speaker 1: people eighty and over. But the pandemic isn't actually even 102 00:04:26,120 --> 00:04:28,599 Speaker 1: the reason to buy life insurance. It's all the other 103 00:04:28,640 --> 00:04:31,320 Speaker 1: possible things that could happen to you leaving your family 104 00:04:31,400 --> 00:04:33,960 Speaker 1: without your income. So that is the reason to get 105 00:04:33,960 --> 00:04:36,479 Speaker 1: life insurance to replace your income. And if you haven't 106 00:04:36,520 --> 00:04:39,200 Speaker 1: done it, well, increasingly your peers have and so it's 107 00:04:39,279 --> 00:04:42,200 Speaker 1: worth thinking about. It's worth looking into. Yeah, whatever works though, right, 108 00:04:42,240 --> 00:04:44,840 Speaker 1: you know, if a pandemic causes you to rethink, oh 109 00:04:44,920 --> 00:04:47,440 Speaker 1: I still don't have term life insurance set up, that's 110 00:04:47,440 --> 00:04:49,440 Speaker 1: one thing I should do, then I guess that's one 111 00:04:49,480 --> 00:04:51,960 Speaker 1: slight positive of a pandemic. Right. In fact, too, I 112 00:04:52,000 --> 00:04:53,640 Speaker 1: mean people have a lot more time, you know, like 113 00:04:53,680 --> 00:04:56,280 Speaker 1: if when they're not commuting, folks aren't going on vacations, 114 00:04:56,600 --> 00:04:58,479 Speaker 1: they're probably like, Okay, maybe I need to get my 115 00:04:58,480 --> 00:05:00,680 Speaker 1: financial house in order a little bit. I've got more time. 116 00:05:00,720 --> 00:05:01,839 Speaker 1: Like if I'm not going to do it now, what 117 00:05:01,880 --> 00:05:03,240 Speaker 1: am I going to do it? Because I'm sure it's 118 00:05:03,240 --> 00:05:05,560 Speaker 1: not going to do it. Once everything's back open, I 119 00:05:05,600 --> 00:05:07,560 Speaker 1: guess we're gonna party, right, Yeah, it's like, all right, 120 00:05:07,560 --> 00:05:09,960 Speaker 1: I'll get my financial chores done now. And I think 121 00:05:09,960 --> 00:05:11,679 Speaker 1: that's a good idea. Yeah, but what you said about 122 00:05:11,680 --> 00:05:14,359 Speaker 1: the you know, auto accident fatalities is true. Man. If 123 00:05:14,360 --> 00:05:16,760 Speaker 1: you look at the data from the National Highway Traffic 124 00:05:16,839 --> 00:05:20,920 Speaker 1: Safety Administration. There are way more deaths due to automobile 125 00:05:20,920 --> 00:05:23,080 Speaker 1: accidents than from getting COVID if you're under the age 126 00:05:23,080 --> 00:05:24,800 Speaker 1: of forty, And the thing is MA in term life, 127 00:05:24,839 --> 00:05:27,440 Speaker 1: it's so dang cheap that if you haven't made the purchase, 128 00:05:27,520 --> 00:05:30,280 Speaker 1: you should really look into getting a quote. Uh. If 129 00:05:30,320 --> 00:05:32,359 Speaker 1: you have people depending on you, if you have a family, 130 00:05:32,400 --> 00:05:34,400 Speaker 1: if you have kids. Uh, And also too if you 131 00:05:34,440 --> 00:05:36,640 Speaker 1: are the stay at home partner who takes care of 132 00:05:36,680 --> 00:05:38,960 Speaker 1: the kids and so be sure to shop around, and 133 00:05:39,040 --> 00:05:41,599 Speaker 1: policy Genius is a great place to do that. We've 134 00:05:41,640 --> 00:05:44,160 Speaker 1: got an article all about shopping for life insurance up 135 00:05:44,160 --> 00:05:45,680 Speaker 1: on the site and we'll make sure to link to 136 00:05:45,720 --> 00:05:47,880 Speaker 1: that in our show notes. YEA and life insurance, Yeah, 137 00:05:47,960 --> 00:05:50,520 Speaker 1: the prices for those policies have fallen during the pandemic. 138 00:05:50,560 --> 00:05:53,440 Speaker 1: And also too, it's worth missing that car insurance prices 139 00:05:53,480 --> 00:05:55,880 Speaker 1: fell during the pandemic last year with with fewer people 140 00:05:55,960 --> 00:05:58,479 Speaker 1: driving and fewer accidents, and from the stats, it looks 141 00:05:58,520 --> 00:06:01,159 Speaker 1: like the average price of a car insurance policy drop 142 00:06:01,200 --> 00:06:03,679 Speaker 1: somewhere between two and four percent. And maybe you're insure 143 00:06:03,760 --> 00:06:05,800 Speaker 1: reached out and said, hey, we're gonna throw your bone. 144 00:06:05,800 --> 00:06:07,960 Speaker 1: You're gonna save twenty five bucks this year on your 145 00:06:08,040 --> 00:06:10,200 Speaker 1: car insurance policy. Makes you feel good about the company. 146 00:06:10,240 --> 00:06:11,920 Speaker 1: I mean, we got we received a thirty eight dollar 147 00:06:12,000 --> 00:06:13,920 Speaker 1: check and I was like, okay, yeah, this is better 148 00:06:13,960 --> 00:06:16,160 Speaker 1: than nothing. Yeah, exactly, no, and it is. It is 149 00:06:16,200 --> 00:06:18,040 Speaker 1: better than nothing, and it's good. But it also is 150 00:06:18,080 --> 00:06:21,080 Speaker 1: important to mention that the biggest savings you're gonna get 151 00:06:21,240 --> 00:06:22,839 Speaker 1: when it comes to what you pay for car insurance 152 00:06:23,320 --> 00:06:27,560 Speaker 1: is by shopping around. Not by taking that to cut 153 00:06:27,600 --> 00:06:30,040 Speaker 1: in your insurance rate from your current provider, but by 154 00:06:30,080 --> 00:06:33,000 Speaker 1: making a couple of phone calls, talking to an independent 155 00:06:33,080 --> 00:06:35,680 Speaker 1: broker where you live, shopping with a few different companies 156 00:06:35,680 --> 00:06:37,120 Speaker 1: to see if you can get the same coverage but 157 00:06:37,240 --> 00:06:40,640 Speaker 1: for maybe least. I mean, you really can save quite 158 00:06:40,640 --> 00:06:42,800 Speaker 1: a bit if you shop instead of staying put where 159 00:06:42,839 --> 00:06:45,080 Speaker 1: you are. Yeah, those companies, man, the insurance companies are smart. 160 00:06:45,320 --> 00:06:46,920 Speaker 1: They know that if they just send you a little 161 00:06:46,920 --> 00:06:49,359 Speaker 1: bit of money, that will play kate. You know you're like, okay, um, 162 00:06:49,520 --> 00:06:51,440 Speaker 1: I feel comfortable here that they're loyal to me. I'm 163 00:06:51,440 --> 00:06:53,680 Speaker 1: gonna stay loyal taking care of me. This is great. 164 00:06:53,720 --> 00:06:55,960 Speaker 1: But yeah, if you haven't maybe even ever shopped your 165 00:06:55,960 --> 00:06:58,039 Speaker 1: insurance around, before. I mean, you're looking at hundreds of 166 00:06:58,040 --> 00:07:00,640 Speaker 1: dollars worth the savings not only annually, maybe even every 167 00:07:00,680 --> 00:07:03,400 Speaker 1: six months. And speaking of shopping, you might need to 168 00:07:03,480 --> 00:07:06,760 Speaker 1: shop your internets or your cable bill because the price 169 00:07:06,920 --> 00:07:09,440 Speaker 1: is on the rise. The l A Times reports that 170 00:07:09,600 --> 00:07:12,520 Speaker 1: bills have been and will continue to go up if 171 00:07:12,560 --> 00:07:15,080 Speaker 1: you do business with a cable or phone company. Some 172 00:07:15,160 --> 00:07:17,119 Speaker 1: folks out there are going to pay a hundred dollars 173 00:07:17,160 --> 00:07:20,280 Speaker 1: or more this year for the same package that they've 174 00:07:20,320 --> 00:07:22,440 Speaker 1: had for years now. Yeah, Internet bills too, are are 175 00:07:22,480 --> 00:07:25,400 Speaker 1: seeing more price hikes because fewer folks are paying for 176 00:07:25,400 --> 00:07:28,640 Speaker 1: that traditional cable TV package are getting internet only, and 177 00:07:28,680 --> 00:07:31,080 Speaker 1: so the internet providers are like, yeah, we need to 178 00:07:31,120 --> 00:07:34,560 Speaker 1: squeeze some more money out of these Yeah, exactly, they're 179 00:07:34,600 --> 00:07:36,840 Speaker 1: used to people buy the bundle, and that's where they 180 00:07:37,120 --> 00:07:38,840 Speaker 1: made a bundle is when you did that. And on 181 00:07:38,880 --> 00:07:40,960 Speaker 1: top of that too, that the major internet providers are 182 00:07:41,000 --> 00:07:44,720 Speaker 1: reinstituting data caps. Now those are going to trip up 183 00:07:44,760 --> 00:07:47,920 Speaker 1: most folks. But Comcast is restricting usage if your family 184 00:07:47,960 --> 00:07:51,120 Speaker 1: goes over one point two terabytes of data in a month, 185 00:07:51,120 --> 00:07:52,600 Speaker 1: and it's kind of hard to know what that is. 186 00:07:53,000 --> 00:07:54,920 Speaker 1: It's a lot of data I'll say, yeah, it's it's 187 00:07:54,960 --> 00:07:57,520 Speaker 1: quite a bit. But apparently up to five percent of 188 00:07:57,640 --> 00:08:00,680 Speaker 1: users are running into this problem. Um, especially as we're 189 00:08:00,680 --> 00:08:03,559 Speaker 1: talking about working from home, lots of zoom calls, kids 190 00:08:03,720 --> 00:08:06,680 Speaker 1: streaming more content, and if you have a family where 191 00:08:06,680 --> 00:08:09,480 Speaker 1: everybody is doing a lot of video stuff, you could 192 00:08:09,600 --> 00:08:12,600 Speaker 1: run up against this data cap. Um. Other data caps 193 00:08:12,600 --> 00:08:14,320 Speaker 1: two start as slow as a hundred and fifty gigs 194 00:08:14,320 --> 00:08:16,640 Speaker 1: of usage in a month, which is far easier for 195 00:08:16,680 --> 00:08:18,560 Speaker 1: families to hit. And so yeah, it's a rough time 196 00:08:18,600 --> 00:08:20,960 Speaker 1: to have data caps imposed on you, um, And it's 197 00:08:21,000 --> 00:08:23,280 Speaker 1: something to be aware of. And if you do get 198 00:08:23,360 --> 00:08:25,720 Speaker 1: your bill in the mail and it's more than you 199 00:08:25,840 --> 00:08:28,680 Speaker 1: planned on, it's probably because you win over a data 200 00:08:28,720 --> 00:08:30,840 Speaker 1: cap and it becomes even more important to kind of 201 00:08:30,920 --> 00:08:33,160 Speaker 1: monitor your usage throughout the month so you don't bump 202 00:08:33,200 --> 00:08:35,120 Speaker 1: up against that. Yeah, so keep an eye out for 203 00:08:35,120 --> 00:08:36,920 Speaker 1: those changes in the coming months. And one of the 204 00:08:36,960 --> 00:08:39,880 Speaker 1: other I think bandwidth hogs Joel that I just thought of. 205 00:08:39,960 --> 00:08:42,199 Speaker 1: Two are the high definition cameras that we have set 206 00:08:42,240 --> 00:08:45,040 Speaker 1: up in our home, you know, like Nest cam. Uh, 207 00:08:45,120 --> 00:08:47,000 Speaker 1: you know, like if you have that set to like 208 00:08:47,040 --> 00:08:49,160 Speaker 1: the highest setting like ten eighty, which I mean that's 209 00:08:49,160 --> 00:08:51,160 Speaker 1: what I want. Like, if I'm gonna want to see 210 00:08:51,480 --> 00:08:54,439 Speaker 1: like how my kid hit the other kid, I want 211 00:08:54,480 --> 00:08:56,200 Speaker 1: to be able to see how the details, which is 212 00:08:56,200 --> 00:08:58,120 Speaker 1: why we have that set up, because that's better, Let's 213 00:08:58,120 --> 00:09:00,040 Speaker 1: be honest, that's better than entertainment you're gonna get on 214 00:09:00,120 --> 00:09:02,840 Speaker 1: a streaming service. I need to know what actually went down, 215 00:09:02,880 --> 00:09:05,719 Speaker 1: and the cameras really help with that. But when you're 216 00:09:05,720 --> 00:09:08,040 Speaker 1: streaming like that in h D, I mean, you can 217 00:09:08,120 --> 00:09:10,839 Speaker 1: run up to like three four hundred gigs worth of 218 00:09:10,920 --> 00:09:13,120 Speaker 1: data streaming a month just on one of those cameras, 219 00:09:13,320 --> 00:09:15,040 Speaker 1: and so that's definitely something to be aware of. I 220 00:09:15,080 --> 00:09:16,640 Speaker 1: think a lot of folks who might be hitting some 221 00:09:16,679 --> 00:09:18,640 Speaker 1: of those upper caps might be households where they have 222 00:09:18,720 --> 00:09:20,520 Speaker 1: multiple cameras like that set up, and those cameras are 223 00:09:20,520 --> 00:09:24,400 Speaker 1: getting so cheap people are putting them in every room. Yeah, yeah, exactly. 224 00:09:24,440 --> 00:09:27,200 Speaker 1: But when it comes to your actual internet service providers, 225 00:09:27,280 --> 00:09:29,760 Speaker 1: unfortunately there is not a ton of competition, right. You 226 00:09:29,800 --> 00:09:32,760 Speaker 1: probably only have a couple of options, but be sure 227 00:09:32,760 --> 00:09:35,160 Speaker 1: to put those options against each other, you know, reach 228 00:09:35,200 --> 00:09:38,319 Speaker 1: out to the other internet company that serves your neighborhood 229 00:09:38,360 --> 00:09:40,240 Speaker 1: and see if you can get a better deal for 230 00:09:40,280 --> 00:09:42,880 Speaker 1: service and reach out to your current internet provider via 231 00:09:42,960 --> 00:09:46,160 Speaker 1: social media. There their Twitter teams do a great job, 232 00:09:46,240 --> 00:09:48,960 Speaker 1: and that's where you're most likely to snag a discount 233 00:09:49,000 --> 00:09:51,280 Speaker 1: for a few months or even a whole year of service. 234 00:09:51,559 --> 00:09:53,079 Speaker 1: One of the other options out there, too is uh 235 00:09:53,360 --> 00:09:56,160 Speaker 1: at home five G service. T Mobile has this fifty 236 00:09:56,160 --> 00:09:58,280 Speaker 1: dollar a month offering that could work great for some 237 00:09:58,360 --> 00:10:00,360 Speaker 1: of you out there. Uh, it might be worth a 238 00:10:00,400 --> 00:10:02,520 Speaker 1: shot if you see your internet bill skyrocket in the 239 00:10:02,520 --> 00:10:04,400 Speaker 1: coming months. Yeah, and hopefully in the coming years, we're 240 00:10:04,440 --> 00:10:06,920 Speaker 1: gonna have more and more I s P options as 241 00:10:07,120 --> 00:10:10,160 Speaker 1: five G rolls out, maybe more cell phone providers are 242 00:10:10,160 --> 00:10:12,959 Speaker 1: going to offer that at a reasonable rate, and you're 243 00:10:13,000 --> 00:10:14,480 Speaker 1: gonna be able to use it for at home internet 244 00:10:14,520 --> 00:10:16,840 Speaker 1: and use it on the go to. But for right now, 245 00:10:17,160 --> 00:10:19,640 Speaker 1: we're still kind of stuck in a doop poly sort 246 00:10:19,640 --> 00:10:21,719 Speaker 1: of system where it's hard to hard to get good 247 00:10:21,720 --> 00:10:24,120 Speaker 1: prices or good customer service in that system. Who you 248 00:10:24,160 --> 00:10:26,840 Speaker 1: with Comcast or a T T S At least around here, 249 00:10:26,840 --> 00:10:29,440 Speaker 1: it's one of those two options. That's it, all right? Uh, 250 00:10:29,480 --> 00:10:32,160 Speaker 1: And let's talk about streaming entertainment to matt An interesting 251 00:10:32,200 --> 00:10:35,840 Speaker 1: new study reveals that people are using streaming services exactly 252 00:10:35,880 --> 00:10:38,680 Speaker 1: the way you and I would recommend them to. Deloitte 253 00:10:38,720 --> 00:10:41,760 Speaker 1: reports that forty six percent of folks they surveyed have 254 00:10:41,840 --> 00:10:45,040 Speaker 1: canceled at least one streaming service in the past six months, 255 00:10:45,360 --> 00:10:48,240 Speaker 1: and said that it was because they finished a show 256 00:10:48,280 --> 00:10:50,319 Speaker 1: or a movie that they signed up to see, and 257 00:10:50,480 --> 00:10:53,599 Speaker 1: now that they've watched maybe that full season of The 258 00:10:53,679 --> 00:10:56,360 Speaker 1: Queen's Camp It or the first season of ted Lasso, 259 00:10:56,559 --> 00:10:59,559 Speaker 1: yeah that's me or whatever it is, they're bailing. They're 260 00:10:59,600 --> 00:11:01,600 Speaker 1: out there on and you know, I think we're gonna 261 00:11:01,640 --> 00:11:03,160 Speaker 1: see more of this as there are just more and 262 00:11:03,200 --> 00:11:06,240 Speaker 1: more streaming services proliferating for us to choose from, and 263 00:11:06,240 --> 00:11:08,040 Speaker 1: as the rates continue to creep up. Yeah, I know, 264 00:11:08,080 --> 00:11:09,880 Speaker 1: we definitely are. Even just a one dollar rise in 265 00:11:09,920 --> 00:11:12,960 Speaker 1: monthly subscription costs, it doesn't seem like that much, but 266 00:11:13,040 --> 00:11:14,960 Speaker 1: you know, when all of the streaming services bump up 267 00:11:14,960 --> 00:11:17,640 Speaker 1: that monthly cost, it adds up, and we've got to 268 00:11:17,720 --> 00:11:20,120 Speaker 1: be you know, we've got to choose which ones we're 269 00:11:20,160 --> 00:11:22,800 Speaker 1: going to continue using. And we you know we've mentioned 270 00:11:22,800 --> 00:11:24,800 Speaker 1: this before, man, but don't forget to create a calendar 271 00:11:24,880 --> 00:11:27,720 Speaker 1: reminder to cancel a free trial if you do start one, 272 00:11:28,000 --> 00:11:31,319 Speaker 1: set that calendar event, set multiple alerts. Uh. That way, 273 00:11:31,360 --> 00:11:32,800 Speaker 1: if you happen to be somewhere and you can't do 274 00:11:32,840 --> 00:11:34,840 Speaker 1: it there on the spot, that there's gonna be another 275 00:11:34,880 --> 00:11:37,720 Speaker 1: alarm in three hours. Yeah, I'm a classic two reminder guy, 276 00:11:39,600 --> 00:11:41,959 Speaker 1: have you sometimes I Yeah, in the past, I've done 277 00:11:41,960 --> 00:11:45,040 Speaker 1: it with like three or four kind of ridiculous. It's 278 00:11:45,040 --> 00:11:47,080 Speaker 1: like constantly prepping me for the event that I need 279 00:11:47,120 --> 00:11:49,600 Speaker 1: to do tomorrow. Right. And then also, don't forget to 280 00:11:49,600 --> 00:11:52,480 Speaker 1: go through the list of services you currently subscribe to, 281 00:11:52,559 --> 00:11:55,000 Speaker 1: you know, and like just ask yourself, can you ditch 282 00:11:55,080 --> 00:11:57,160 Speaker 1: one or two of these you know, these services or 283 00:11:57,200 --> 00:11:58,920 Speaker 1: these programs or these memberships that you may not be 284 00:11:58,960 --> 00:12:02,160 Speaker 1: taking full advantage of, um, because if you can, like obviously, 285 00:12:02,160 --> 00:12:04,760 Speaker 1: that's another way you can save money. This is of 286 00:12:04,800 --> 00:12:07,840 Speaker 1: course not a great way for This is not great 287 00:12:07,880 --> 00:12:10,120 Speaker 1: for the streaming services themselves, you know, but you know, 288 00:12:10,160 --> 00:12:12,480 Speaker 1: we need to be shrewd consumers ourselves and make sure 289 00:12:12,520 --> 00:12:15,000 Speaker 1: that we're doing the best to preserve our own money. Yeah, 290 00:12:15,000 --> 00:12:17,560 Speaker 1: And oftentimes we're setting that subscription in motion and then 291 00:12:17,559 --> 00:12:20,360 Speaker 1: we're not touching it even if we're not watching this stuff. 292 00:12:20,400 --> 00:12:22,360 Speaker 1: And so Yeah, you gotta pay attention to that and 293 00:12:22,520 --> 00:12:24,800 Speaker 1: don't be afraid to cancel. Man. I mean that's you 294 00:12:24,800 --> 00:12:28,160 Speaker 1: shouldn't feel bad for Netflix. Netflix is doing fine. They're 295 00:12:28,160 --> 00:12:31,400 Speaker 1: gonna be okay, you know. Yeah, yeah, don't worry about that. 296 00:12:31,480 --> 00:12:33,480 Speaker 1: There's Q four earnings were like the highest they have 297 00:12:33,600 --> 00:12:36,240 Speaker 1: ever seen. It's just insaying the number of people who 298 00:12:36,280 --> 00:12:38,160 Speaker 1: are signing up for all the services. Yeah, they're gonna 299 00:12:38,160 --> 00:12:40,520 Speaker 1: be okay even if you leave. And uh and also too, 300 00:12:40,559 --> 00:12:43,960 Speaker 1: if you haven't set aside time to sit down and 301 00:12:44,000 --> 00:12:46,400 Speaker 1: take an ax to some of the subscriptions that you have, 302 00:12:46,440 --> 00:12:49,200 Speaker 1: the recurring subscriptions in your life, there's good news if 303 00:12:49,240 --> 00:12:52,240 Speaker 1: you use Mint. According to Fast Company, Mint is getting 304 00:12:52,280 --> 00:12:55,240 Speaker 1: some updates and will now automatically track subscription costs and 305 00:12:55,240 --> 00:12:58,080 Speaker 1: it will alert users of any rate hikes, which is 306 00:12:58,080 --> 00:13:00,280 Speaker 1: a nice feature. Right, It's pretty cool, especially since it 307 00:13:00,320 --> 00:13:03,480 Speaker 1: seemed like there hadn't been much innovation with Mint in 308 00:13:03,520 --> 00:13:06,480 Speaker 1: the previous years. I still like it. I still use Mint. 309 00:13:06,559 --> 00:13:08,959 Speaker 1: I think it's a solid way to track my spending 310 00:13:09,000 --> 00:13:11,400 Speaker 1: and to see everything like in this dashboard in one place. 311 00:13:11,720 --> 00:13:13,920 Speaker 1: But yeah, it's been a long time coming for Mint 312 00:13:13,960 --> 00:13:15,600 Speaker 1: to kind of up their game. And make it even 313 00:13:15,679 --> 00:13:17,520 Speaker 1: better because there are some other apps out there doing 314 00:13:17,600 --> 00:13:19,880 Speaker 1: similar or potentially better stuff. But I'm glad to see 315 00:13:19,920 --> 00:13:22,080 Speaker 1: this feature being implemented. Yeah, it was getting a little 316 00:13:22,080 --> 00:13:25,400 Speaker 1: along in the tooth, like the farmers like to say. So, Yeah, 317 00:13:25,480 --> 00:13:27,400 Speaker 1: check out Mint if you are looking for sort of 318 00:13:27,400 --> 00:13:29,520 Speaker 1: like an all in one spot to handle your personal finances. 319 00:13:29,559 --> 00:13:31,240 Speaker 1: But you know, if you're just looking for an app 320 00:13:31,720 --> 00:13:34,679 Speaker 1: to help cut back on your subscriptions and your bills, 321 00:13:34,720 --> 00:13:37,280 Speaker 1: there are a lot of options out there. There's Do 322 00:13:37,360 --> 00:13:39,439 Speaker 1: Not Pay, which is an app that Unit came across. 323 00:13:39,640 --> 00:13:43,520 Speaker 1: It considers itself quote unquote the world's first robot lawyer, 324 00:13:44,280 --> 00:13:48,000 Speaker 1: which will do things like contest parking tickets. Uh. They'll 325 00:13:48,000 --> 00:13:50,080 Speaker 1: help fix customer services issues for you things like that, 326 00:13:50,120 --> 00:13:52,520 Speaker 1: which is pretty cool. Uh. And there's also apps out 327 00:13:52,520 --> 00:13:54,680 Speaker 1: there too, like true bill or trim, which helps you 328 00:13:54,720 --> 00:13:56,920 Speaker 1: to easily see what you're spending every month. Uh, and 329 00:13:56,920 --> 00:14:00,680 Speaker 1: they'll leaven, cancel, or renegotiate a better deal on a 330 00:14:00,720 --> 00:14:03,400 Speaker 1: particular service. You know. It's it's worth noting that some 331 00:14:03,559 --> 00:14:06,840 Speaker 1: are completely free, whereas others you know, might cost a 332 00:14:06,880 --> 00:14:09,960 Speaker 1: small fee or will even take a commission if they're 333 00:14:10,000 --> 00:14:12,480 Speaker 1: able to negotiate a better price for you. Yeah, and 334 00:14:12,880 --> 00:14:14,920 Speaker 1: while you know we Matt and I would rather see 335 00:14:14,960 --> 00:14:17,959 Speaker 1: you manually go through your monthly statements, make the cuts yourself, 336 00:14:18,480 --> 00:14:21,640 Speaker 1: or negotiate a bill down on your own. Using these 337 00:14:21,640 --> 00:14:23,320 Speaker 1: apps could still make sense for you, even if it 338 00:14:23,320 --> 00:14:25,160 Speaker 1: costs you a little bit of money. We'd rather see 339 00:14:25,160 --> 00:14:27,920 Speaker 1: you save fifty or two or fifty bucks every month 340 00:14:28,000 --> 00:14:32,040 Speaker 1: by cutting recurring expenses by negotiating those bills down. Um, 341 00:14:32,280 --> 00:14:34,160 Speaker 1: even if it means you're paying a few bucks more 342 00:14:34,320 --> 00:14:36,680 Speaker 1: to one of these apps to do so, if it 343 00:14:36,720 --> 00:14:38,440 Speaker 1: means that the job is actually going to get done, 344 00:14:38,480 --> 00:14:40,760 Speaker 1: Because I think sometimes that's the problem, that it's it's 345 00:14:40,800 --> 00:14:44,080 Speaker 1: inertia bias, were unlikely to take the action. And sometimes 346 00:14:44,160 --> 00:14:46,040 Speaker 1: if there's a really really easy way, even if we 347 00:14:46,080 --> 00:14:49,240 Speaker 1: don't realize the full benefit of the savings, if there's 348 00:14:49,240 --> 00:14:51,320 Speaker 1: a really easy way to make it happen, then it 349 00:14:51,440 --> 00:14:53,240 Speaker 1: is a win win um to use one of these 350 00:14:53,280 --> 00:14:56,000 Speaker 1: apps to help us to make that happen. That's right, man. 351 00:14:56,000 --> 00:14:57,760 Speaker 1: All right, We've got several more stories that we want 352 00:14:57,760 --> 00:14:59,520 Speaker 1: to get to after the break, including of course, our 353 00:14:59,600 --> 00:15:02,120 Speaker 1: ludicrous headline of the week. Uh, and we've got to 354 00:15:02,280 --> 00:15:04,720 Speaker 1: some updated numbers from the FED regarding net worth. So 355 00:15:04,760 --> 00:15:06,640 Speaker 1: we'll be talking about maybe how you stack up, and 356 00:15:06,640 --> 00:15:08,640 Speaker 1: we'll get to all those stories right after this break. 357 00:15:17,520 --> 00:15:19,840 Speaker 1: All right, we're back from the break, and our favorite 358 00:15:19,880 --> 00:15:22,560 Speaker 1: new little segment on our Friday flight continues, the ludicrous 359 00:15:22,560 --> 00:15:24,640 Speaker 1: headline of the week. By the way, for anybody out 360 00:15:24,680 --> 00:15:27,080 Speaker 1: there listening, if you have a ludicrous headline you saw 361 00:15:27,120 --> 00:15:28,760 Speaker 1: in the Financial News this week, send it our way 362 00:15:28,760 --> 00:15:30,960 Speaker 1: at how the Money Pod at gmail dot com and 363 00:15:31,080 --> 00:15:33,160 Speaker 1: sadly Matt this week, it's not going to be about 364 00:15:33,240 --> 00:15:36,760 Speaker 1: Chris Bridges ludicrous the raffer last ludicrous himself last week. 365 00:15:36,760 --> 00:15:39,000 Speaker 1: We actually got that in. But I do hope at least, 366 00:15:39,080 --> 00:15:40,560 Speaker 1: like I don't know if a few times a year, 367 00:15:40,600 --> 00:15:42,160 Speaker 1: I want to be able to cover a story of 368 00:15:42,240 --> 00:15:45,560 Speaker 1: something that happened with him and his money. Let's hope 369 00:15:45,560 --> 00:15:47,000 Speaker 1: we can make that happen. Maybe get them on the 370 00:15:47,000 --> 00:15:48,440 Speaker 1: show one of these days. I'd be kind of cool. Yeah, 371 00:15:48,440 --> 00:15:49,800 Speaker 1: I can ask them some questions about that show he 372 00:15:49,840 --> 00:15:52,800 Speaker 1: did at you g A back in the day. And 373 00:15:52,840 --> 00:15:55,280 Speaker 1: by the way, a lot of people expressed some concern 374 00:15:55,360 --> 00:15:58,360 Speaker 1: about me last week after they saw the video that 375 00:15:58,400 --> 00:16:00,520 Speaker 1: was posted, and a lot of people did realized that 376 00:16:00,560 --> 00:16:02,800 Speaker 1: was from two thousand fifteen, so they thought, like, my 377 00:16:02,840 --> 00:16:05,120 Speaker 1: car had literally just been stolen last week. This was 378 00:16:05,280 --> 00:16:07,360 Speaker 1: a video. It just reminded me of the fact, you know, 379 00:16:07,440 --> 00:16:09,800 Speaker 1: ludicrous getting his card, this car got stolen. Joel's like, 380 00:16:09,960 --> 00:16:12,280 Speaker 1: my car got stolen by somebody's a similar way, but 381 00:16:12,320 --> 00:16:14,800 Speaker 1: that was six years ago. So don't don't worry about me, guys. 382 00:16:14,840 --> 00:16:17,240 Speaker 1: I'm fine. And by the way, the ludicrous headline of 383 00:16:17,240 --> 00:16:19,520 Speaker 1: the week this week is yes, you can buy a 384 00:16:19,520 --> 00:16:21,560 Speaker 1: car with a credit card and earned tons of points. 385 00:16:21,960 --> 00:16:25,840 Speaker 1: This ludicrous, pretty ludicrous. They caught our I because you know, 386 00:16:25,960 --> 00:16:28,880 Speaker 1: Matt and I were all about maximizing rewards and benefits 387 00:16:28,880 --> 00:16:31,720 Speaker 1: that you received by using credit cards. But to purchase 388 00:16:31,760 --> 00:16:33,560 Speaker 1: a new car with a credit card, it feels like 389 00:16:33,600 --> 00:16:36,280 Speaker 1: one step too far. And honestly, right after I read 390 00:16:36,280 --> 00:16:38,200 Speaker 1: the headline and my next stot was like, can you 391 00:16:38,240 --> 00:16:41,640 Speaker 1: actually do that? Is that something I can do? Right? 392 00:16:42,200 --> 00:16:44,480 Speaker 1: And it turns out you can. Yeah, And it turns 393 00:16:44,480 --> 00:16:47,000 Speaker 1: out you can do it without using Plastique. That's a 394 00:16:47,000 --> 00:16:49,040 Speaker 1: company you know we've mentioned on the show multiple times. 395 00:16:49,120 --> 00:16:50,440 Speaker 1: That's a great way to be able to use your 396 00:16:50,440 --> 00:16:53,320 Speaker 1: credit card to pay for things where they normally wouldn't 397 00:16:53,320 --> 00:16:55,800 Speaker 1: accept credit card. But actually recently we found out that's 398 00:16:55,800 --> 00:16:59,480 Speaker 1: not plastic. It's plastic. There's I guess because the key 399 00:16:59,600 --> 00:17:00,960 Speaker 1: was on there. We always a lot of was plastic. 400 00:17:01,480 --> 00:17:03,320 Speaker 1: And it's because we're so uncultured, like we try to 401 00:17:03,320 --> 00:17:05,080 Speaker 1: find ways to make it seem like we're more cultured, 402 00:17:05,119 --> 00:17:08,440 Speaker 1: and we pronounced things in a funny way. But it's plastic, 403 00:17:08,640 --> 00:17:11,639 Speaker 1: not plastic. Little note. Yeah, So the author of this 404 00:17:11,640 --> 00:17:13,920 Speaker 1: money dot com article that we're referring to, he explained 405 00:17:13,960 --> 00:17:15,679 Speaker 1: how not only can you do this, not only can 406 00:17:15,720 --> 00:17:18,560 Speaker 1: you buy a car with a credit card, but he's 407 00:17:18,560 --> 00:17:21,840 Speaker 1: actually done it himself three times over the years. It 408 00:17:21,840 --> 00:17:24,159 Speaker 1: turns out that the trick is to go about the 409 00:17:24,200 --> 00:17:27,480 Speaker 1: negotiating and to avoid bringing up that you actually want 410 00:17:27,480 --> 00:17:29,719 Speaker 1: to pay with a credit card until the last second. 411 00:17:30,320 --> 00:17:32,240 Speaker 1: And so at that point when you when you you know, 412 00:17:32,280 --> 00:17:34,840 Speaker 1: there's the big reveal. Uh. And he says that at 413 00:17:34,880 --> 00:17:36,679 Speaker 1: that point, sales folks they can they can taste the 414 00:17:36,720 --> 00:17:39,960 Speaker 1: deal coming to a close. Uh, And so inevitably they'll 415 00:17:40,040 --> 00:17:42,600 Speaker 1: check with their manager. Uh. And even though it's not 416 00:17:42,640 --> 00:17:44,919 Speaker 1: something that they normally allow, you know, like they normally 417 00:17:44,920 --> 00:17:47,080 Speaker 1: would say you know, on their website or if you 418 00:17:47,119 --> 00:17:49,000 Speaker 1: were to ask them straight up, no, we don't do 419 00:17:49,040 --> 00:17:51,800 Speaker 1: that because you're kind of that far along the process 420 00:17:51,800 --> 00:17:54,280 Speaker 1: that they will often make an exception for you. And 421 00:17:54,320 --> 00:17:56,480 Speaker 1: so that's how evidently you go about it. But it 422 00:17:56,520 --> 00:17:58,199 Speaker 1: does kind of raise some flags. I don't know if 423 00:17:58,200 --> 00:18:01,959 Speaker 1: there's any like ethical questions here, Joel, but it does 424 00:18:02,040 --> 00:18:04,439 Speaker 1: make me want to ask, like, if you think that 425 00:18:04,480 --> 00:18:06,399 Speaker 1: this is a frugal or a cheap move to to 426 00:18:06,440 --> 00:18:08,520 Speaker 1: do something like this, that's a good question, because there 427 00:18:08,520 --> 00:18:10,680 Speaker 1: are a lot of ethical questions when when it comes 428 00:18:10,680 --> 00:18:12,320 Speaker 1: to buying a car from a car dealership, and it's 429 00:18:12,520 --> 00:18:15,399 Speaker 1: mostly not on the consumer's end right, And so I 430 00:18:15,440 --> 00:18:19,680 Speaker 1: think fighting back against unethical practices is being a smart consumer, 431 00:18:19,960 --> 00:18:21,760 Speaker 1: although I think this one maybe takes it a step 432 00:18:21,800 --> 00:18:23,800 Speaker 1: too far. For instance, one of the only ways that 433 00:18:23,840 --> 00:18:27,000 Speaker 1: you can protect yourself is by actually not revealing some 434 00:18:27,080 --> 00:18:29,600 Speaker 1: of what you intend to do when it comes to 435 00:18:29,640 --> 00:18:31,960 Speaker 1: payment method when it comes to a trade in or 436 00:18:32,000 --> 00:18:34,600 Speaker 1: something like that, and until further down the process, they're 437 00:18:34,600 --> 00:18:36,080 Speaker 1: gonna ask you, and you're gonna have to be like, 438 00:18:36,080 --> 00:18:37,719 Speaker 1: I don't want to talk about that yet, um. In 439 00:18:37,840 --> 00:18:40,120 Speaker 1: order to secure the best deal and and so yeah, 440 00:18:40,119 --> 00:18:43,080 Speaker 1: I think he's doing something similar with a credit card. Um, 441 00:18:43,160 --> 00:18:45,720 Speaker 1: and he's kind of like fighting fire with fire. He's 442 00:18:45,760 --> 00:18:48,600 Speaker 1: kind of playing their own game with them. And I 443 00:18:48,640 --> 00:18:50,320 Speaker 1: don't know if if this is the tact I would 444 00:18:50,359 --> 00:18:53,080 Speaker 1: feel comfortable taking. But I can understand, you know why 445 00:18:53,200 --> 00:18:55,320 Speaker 1: why he chose it, right, I mean, in my mind, 446 00:18:55,359 --> 00:18:57,080 Speaker 1: as long as the auto company, as long as they 447 00:18:57,119 --> 00:18:59,399 Speaker 1: still have an option, they they do yeah, yeah, I 448 00:18:59,400 --> 00:19:01,960 Speaker 1: mean they could a like take a walk kid exactly. 449 00:19:02,000 --> 00:19:03,440 Speaker 1: And that's the thing. I think you, like, you need 450 00:19:03,480 --> 00:19:05,960 Speaker 1: to be willing to walk away. They might call your bluff. 451 00:19:06,200 --> 00:19:08,399 Speaker 1: And if you don't stand up and walk away, Like, 452 00:19:08,440 --> 00:19:09,920 Speaker 1: if you're not willing to do that, then I don't 453 00:19:09,920 --> 00:19:11,960 Speaker 1: think you you would be actually be able to do this, right, 454 00:19:12,320 --> 00:19:14,480 Speaker 1: So in my mind that kind of raises like, like 455 00:19:14,520 --> 00:19:17,439 Speaker 1: it seems like it could be a cheap thing on 456 00:19:17,560 --> 00:19:20,080 Speaker 1: your part if you do actually walk away, because I mean, 457 00:19:20,240 --> 00:19:22,600 Speaker 1: it normally takes I've never myself purchased a car from 458 00:19:22,600 --> 00:19:24,639 Speaker 1: a dealer, but normally it takes a long time. Right, 459 00:19:24,760 --> 00:19:26,080 Speaker 1: probably gonna be there for a few hours on a 460 00:19:26,080 --> 00:19:29,159 Speaker 1: Saturday morning trying to get all this stuff wrangled out, exactly. 461 00:19:29,240 --> 00:19:31,479 Speaker 1: And I'm thinking, Okay, if I was in that situation, 462 00:19:31,560 --> 00:19:33,680 Speaker 1: what I'd be willing to walk away and have wasted 463 00:19:33,760 --> 00:19:37,080 Speaker 1: hours of precious weekend time. I don't think I would, 464 00:19:37,080 --> 00:19:39,120 Speaker 1: And so I think for me it would seem cheap 465 00:19:39,160 --> 00:19:42,400 Speaker 1: because of me being cheap to myself. It's just like, man, 466 00:19:42,440 --> 00:19:44,879 Speaker 1: you're not valuing your own time here just to score 467 00:19:44,880 --> 00:19:47,080 Speaker 1: those cash back points, you know, on a credit card. Yep, 468 00:19:47,280 --> 00:19:48,960 Speaker 1: I'm with you, And I think two people need to 469 00:19:49,000 --> 00:19:51,040 Speaker 1: be wary. Like, if they do want to attempt this, 470 00:19:51,440 --> 00:19:53,040 Speaker 1: go for it. I'm okay with that if if that's 471 00:19:53,080 --> 00:19:55,400 Speaker 1: something you feel comfortable doing. But at the same time, 472 00:19:55,440 --> 00:19:58,560 Speaker 1: make sure if you're buying a car with a credit card, 473 00:19:58,840 --> 00:20:00,800 Speaker 1: that you have the cash in the bank to pay 474 00:20:00,880 --> 00:20:04,399 Speaker 1: that balance off in full almost immediately, because yeah, you 475 00:20:04,400 --> 00:20:06,919 Speaker 1: don't want to to hurt your credit or to be 476 00:20:07,040 --> 00:20:09,119 Speaker 1: paying interest on the money in the range of like 477 00:20:10,680 --> 00:20:12,399 Speaker 1: because you put it on a credit card just to 478 00:20:12,520 --> 00:20:14,480 Speaker 1: score some bonus points. That that's a that's a bad 479 00:20:14,520 --> 00:20:16,040 Speaker 1: way to do it, right, It would be a cheap move. Yeah, 480 00:20:16,040 --> 00:20:18,080 Speaker 1: we're not. We're not fans of paying any interest to 481 00:20:18,119 --> 00:20:21,800 Speaker 1: purchase a car, let alone something in that range, right, Yeah, man, 482 00:20:21,880 --> 00:20:24,360 Speaker 1: that is right, and actually, speaking of credit cards, even 483 00:20:24,359 --> 00:20:28,080 Speaker 1: though consumer debt dropped last year by six percent, Americans 484 00:20:28,119 --> 00:20:30,920 Speaker 1: still have four hundred and sixteen billion dollars in credit 485 00:20:30,960 --> 00:20:33,639 Speaker 1: card debt as of at least as of September of 486 00:20:33,680 --> 00:20:35,880 Speaker 1: last year, and with credit card debt likely the most 487 00:20:35,880 --> 00:20:38,159 Speaker 1: expensive debt that folks have, it still needs to be 488 00:20:38,200 --> 00:20:40,240 Speaker 1: a priority to pay it off if you have some 489 00:20:40,400 --> 00:20:42,840 Speaker 1: you know, and better yet, to avoid that debt altogether. 490 00:20:43,080 --> 00:20:45,639 Speaker 1: We recently talked about the snowball versus the Avalanche approach 491 00:20:45,680 --> 00:20:48,080 Speaker 1: to paying down debt. That was episode, but we also 492 00:20:48,160 --> 00:20:50,399 Speaker 1: have an article up on the site about zero percent 493 00:20:50,440 --> 00:20:53,080 Speaker 1: balance transfer credit cards as well. If you have a 494 00:20:53,119 --> 00:20:54,800 Speaker 1: plan and you know how it is that you're going 495 00:20:54,840 --> 00:20:57,560 Speaker 1: to tackle your credit card debt, then a balance transfer 496 00:20:57,600 --> 00:21:00,159 Speaker 1: card can be an excellent tool for you to, you know, 497 00:21:00,280 --> 00:21:02,280 Speaker 1: have a period of time where you're not paying any 498 00:21:02,320 --> 00:21:05,040 Speaker 1: interest while you're again getting your financial house in order, 499 00:21:05,119 --> 00:21:07,200 Speaker 1: no doubt. Let's talk about net worth, Matt. A new 500 00:21:07,240 --> 00:21:09,639 Speaker 1: report from the Fed shows us the average net worth 501 00:21:09,680 --> 00:21:11,480 Speaker 1: by age in the country, and it turns out that 502 00:21:11,480 --> 00:21:13,520 Speaker 1: the median net worth of someone under the age of 503 00:21:13,680 --> 00:21:16,960 Speaker 1: thirty five is roughly fourteen dollars, and so if you're 504 00:21:17,000 --> 00:21:19,359 Speaker 1: worth more than that, you're ahead of most folks your age, 505 00:21:19,400 --> 00:21:22,800 Speaker 1: which is very encouraging. But then the average net worth 506 00:21:22,880 --> 00:21:25,560 Speaker 1: is closer to seventy six thousand dollars if you're under age, 507 00:21:26,000 --> 00:21:29,040 Speaker 1: which might be less encouraging. Maybe it would even be discouraging, 508 00:21:29,160 --> 00:21:31,640 Speaker 1: right and your yeah, your situation, it can be, You're right, 509 00:21:31,640 --> 00:21:33,800 Speaker 1: and so I think that's why it's not always helpful 510 00:21:33,800 --> 00:21:35,680 Speaker 1: actually to see these numbers to see how you stack 511 00:21:35,760 --> 00:21:37,639 Speaker 1: up against millions of other people that you don't know 512 00:21:37,680 --> 00:21:40,480 Speaker 1: at all. Right, but we do think that knowing your 513 00:21:40,520 --> 00:21:43,199 Speaker 1: net worth in general is actually really important, even if 514 00:21:43,200 --> 00:21:45,679 Speaker 1: you're not tracking yourself alongside your peers. Yeah, I mean, 515 00:21:45,680 --> 00:21:47,200 Speaker 1: generally speaking, we feel it's a good number to be 516 00:21:47,240 --> 00:21:49,840 Speaker 1: tracking because it's it's just a good snapshot of your 517 00:21:49,840 --> 00:21:53,439 Speaker 1: finances that fully takes into account what you own minus 518 00:21:53,480 --> 00:21:55,240 Speaker 1: what you owe. Right, you don't you don't need to 519 00:21:55,280 --> 00:21:57,960 Speaker 1: be obsessed with with checking your you know your net 520 00:21:57,960 --> 00:22:01,120 Speaker 1: worth with this number, but if you it it periodically, 521 00:22:01,119 --> 00:22:03,600 Speaker 1: like just maybe even once a year, it does help 522 00:22:03,600 --> 00:22:05,520 Speaker 1: you to see the kind of progress that you're making 523 00:22:05,600 --> 00:22:08,920 Speaker 1: towards your larger financial goals, Right, towards paying down debt 524 00:22:08,960 --> 00:22:12,439 Speaker 1: and building wealth through your investments. We mentioned ment earlier 525 00:22:12,440 --> 00:22:14,280 Speaker 1: on this episode, and so that's a great way, Joe. 526 00:22:14,320 --> 00:22:15,560 Speaker 1: I know, that's how you are able to kind of 527 00:22:15,720 --> 00:22:17,480 Speaker 1: quickly see your net worth. You kind of get that 528 00:22:17,520 --> 00:22:19,760 Speaker 1: snapshot there. But for other folks as well, check out 529 00:22:19,760 --> 00:22:22,960 Speaker 1: Personal Capital. I still have my ments accounts, even though 530 00:22:23,000 --> 00:22:25,000 Speaker 1: I think like once every quarter I get an email 531 00:22:25,040 --> 00:22:28,480 Speaker 1: saying that, like, we need to reverify this bank credentials. 532 00:22:28,520 --> 00:22:31,479 Speaker 1: Like basically all the connections have slowly kind of been 533 00:22:31,520 --> 00:22:33,280 Speaker 1: cut and they're wanting me to get back in there 534 00:22:33,560 --> 00:22:36,119 Speaker 1: and tie everything back together. But more recently I've actually 535 00:22:36,160 --> 00:22:38,760 Speaker 1: been more into Personal Capital, which is very similar to 536 00:22:38,800 --> 00:22:40,840 Speaker 1: MINT as well, with maybe a little bit more of 537 00:22:40,840 --> 00:22:44,400 Speaker 1: a focus on investing versus maybe I feel like meant 538 00:22:44,600 --> 00:22:46,760 Speaker 1: they're more heavy on like kind of tracking your expenses 539 00:22:46,760 --> 00:22:48,680 Speaker 1: and budgeting, whereas Personal Capital I feel like kind of 540 00:22:48,680 --> 00:22:51,399 Speaker 1: pushes you more in the direction of investing, showing you 541 00:22:51,440 --> 00:22:53,920 Speaker 1: how your investments are are performing. Overall, they basically compare 542 00:22:53,960 --> 00:22:56,680 Speaker 1: your portfolio to you know, other benchmarks that are out there, 543 00:22:56,720 --> 00:22:59,280 Speaker 1: like the SMP, like NASDAC things like that, which is 544 00:22:59,280 --> 00:23:01,560 Speaker 1: pretty cool. Yeah, their network tracker is super helpful. It's 545 00:23:01,600 --> 00:23:04,760 Speaker 1: really good. And we talked more in depth about tracking 546 00:23:04,800 --> 00:23:06,159 Speaker 1: your net worth and the importance of it back in 547 00:23:06,160 --> 00:23:07,800 Speaker 1: the episode to fifty seven. If you want to check 548 00:23:07,800 --> 00:23:11,000 Speaker 1: that one out. Let's talk about home remodeling projects for 549 00:23:11,040 --> 00:23:13,119 Speaker 1: a second, Matt, which ones have the biggest payoff? And 550 00:23:13,160 --> 00:23:15,440 Speaker 1: I think that's a big question that people have. They 551 00:23:15,720 --> 00:23:17,640 Speaker 1: when you buy a home, you want to make sure 552 00:23:17,960 --> 00:23:20,679 Speaker 1: that you're not throwing money in that you're never gonna 553 00:23:20,800 --> 00:23:22,919 Speaker 1: get back out of it. And like when you decided 554 00:23:22,960 --> 00:23:24,600 Speaker 1: to carpet your bathroom, I was like, why would you 555 00:23:24,640 --> 00:23:26,520 Speaker 1: do that? Dude? You're just like, I don't care, I 556 00:23:26,560 --> 00:23:29,159 Speaker 1: want to do it. I'm doing this for me, Matt. Okay, 557 00:23:30,040 --> 00:23:33,119 Speaker 1: but yeah, Home adviser recently ran the numbers, and the 558 00:23:33,200 --> 00:23:36,400 Speaker 1: number one renovation that's most likely to pay back is Actually, 559 00:23:36,560 --> 00:23:39,160 Speaker 1: it was surprising. I didn't realize this, replacing your old 560 00:23:39,160 --> 00:23:41,880 Speaker 1: garage or with a new one. Apparently that's the number 561 00:23:41,880 --> 00:23:43,639 Speaker 1: one thing that that is going to pay off. You're 562 00:23:43,640 --> 00:23:45,920 Speaker 1: gonna get almost all your money back from doing that job. 563 00:23:46,280 --> 00:23:48,440 Speaker 1: Minor kitchen remodels and the addition of a deck also 564 00:23:48,480 --> 00:23:51,120 Speaker 1: rank highly, which makes sense in my mind. In particular, 565 00:23:51,240 --> 00:23:54,280 Speaker 1: if you're considering throwing out your entire kitchen, think again, 566 00:23:54,480 --> 00:23:56,960 Speaker 1: can you make maybe minor improvements to that kitchen instead 567 00:23:57,080 --> 00:24:00,320 Speaker 1: to increase style and functionality. I think the you word 568 00:24:00,320 --> 00:24:02,439 Speaker 1: in that is minor kitchen er models, because if you're 569 00:24:02,440 --> 00:24:04,800 Speaker 1: getting into major, you're going to put in a lot 570 00:24:04,840 --> 00:24:06,480 Speaker 1: more money than you're actually going to get back out. 571 00:24:06,680 --> 00:24:08,719 Speaker 1: And and sometimes I think that's okay, right if if 572 00:24:08,760 --> 00:24:10,639 Speaker 1: we're planning on being in the house for quite a 573 00:24:10,680 --> 00:24:12,879 Speaker 1: number of years and we wanted to be functional and 574 00:24:12,920 --> 00:24:16,040 Speaker 1: looked away, we wanted to look it's not always all 575 00:24:16,080 --> 00:24:18,040 Speaker 1: about the payoff, like am I going to get my 576 00:24:18,040 --> 00:24:20,600 Speaker 1: money back? Much of it's about how much enjoyment I 577 00:24:20,600 --> 00:24:22,760 Speaker 1: am I going to derive from making this renovation. But 578 00:24:22,800 --> 00:24:24,639 Speaker 1: it is important to know that if payback is important 579 00:24:24,640 --> 00:24:26,600 Speaker 1: and you're not planning on being in the house long term, 580 00:24:26,640 --> 00:24:28,840 Speaker 1: that maybe going a little more minor with that kitchen 581 00:24:28,920 --> 00:24:31,440 Speaker 1: renot is going to provide a better payoff. Yeah, most definitely, 582 00:24:31,440 --> 00:24:33,600 Speaker 1: And anytime too that you can add some elbow grease 583 00:24:33,640 --> 00:24:35,840 Speaker 1: and d I why some of the projects, you'll have 584 00:24:35,920 --> 00:24:38,000 Speaker 1: the opportunity to keep some of your your hard earned 585 00:24:38,000 --> 00:24:41,520 Speaker 1: money instead of using it to pay contractors. Plus you 586 00:24:41,560 --> 00:24:44,159 Speaker 1: have the added benefit of being able to learn a 587 00:24:44,160 --> 00:24:46,199 Speaker 1: new skill. You know, a lot of our listeners might 588 00:24:46,240 --> 00:24:48,080 Speaker 1: balk at the idea and think that it's not going 589 00:24:48,119 --> 00:24:49,720 Speaker 1: to be worth our time because they're like, oh, well, 590 00:24:49,840 --> 00:24:51,440 Speaker 1: instead of doing that thing, I could just work a 591 00:24:51,440 --> 00:24:53,480 Speaker 1: little bit more and make you know, maybe twice of 592 00:24:53,640 --> 00:24:55,119 Speaker 1: you know, what it would cost to pay somebody to 593 00:24:55,160 --> 00:24:57,600 Speaker 1: do it. But it's not just about the money saved. 594 00:24:57,640 --> 00:25:00,639 Speaker 1: You know, you have the satisfaction gained from the do 595 00:25:00,720 --> 00:25:03,159 Speaker 1: it yourself process itself. You know, And a lot of 596 00:25:03,160 --> 00:25:04,920 Speaker 1: folks out there like, I don't like, where would I 597 00:25:04,960 --> 00:25:06,880 Speaker 1: even begin, Like I don't like, I don't do home 598 00:25:06,920 --> 00:25:09,199 Speaker 1: improvement stuff. But it's is easy. I mean, you can 599 00:25:09,240 --> 00:25:11,520 Speaker 1: just start with painting a bathroom, right or painting a bedroom. 600 00:25:11,680 --> 00:25:13,879 Speaker 1: That's not super technical, but you know, you do that 601 00:25:13,920 --> 00:25:15,880 Speaker 1: a few times and you gain some confidence, you gain 602 00:25:15,960 --> 00:25:18,120 Speaker 1: some knowledge, and then you're like, you know what, there's 603 00:25:18,119 --> 00:25:20,280 Speaker 1: always that been that one electrical outlet where when you 604 00:25:20,320 --> 00:25:23,360 Speaker 1: put the plugs in, plugs just fall out because it's 605 00:25:23,359 --> 00:25:26,000 Speaker 1: been it's been worn down over the years. That's something 606 00:25:26,040 --> 00:25:27,960 Speaker 1: that you can then tackle next. Just always make sure 607 00:25:27,960 --> 00:25:29,359 Speaker 1: you turn off the cut off the power of the 608 00:25:29,400 --> 00:25:31,879 Speaker 1: circuit breaker. But over time you gain confidence and you 609 00:25:31,880 --> 00:25:34,000 Speaker 1: can you have the ability to take on more and 610 00:25:34,040 --> 00:25:37,359 Speaker 1: more complex tasks. I know, for me, like I feel 611 00:25:37,359 --> 00:25:39,200 Speaker 1: like I've been able to increase my skills over the years, 612 00:25:39,200 --> 00:25:41,080 Speaker 1: and like for us like the next little sort of 613 00:25:41,160 --> 00:25:43,760 Speaker 1: d I Y project might be an entire bathroom. Uh. 614 00:25:43,800 --> 00:25:45,640 Speaker 1: It's something that I think a lot of people are like, wait, what, 615 00:25:46,280 --> 00:25:48,840 Speaker 1: that's crazy, dude. But in my case, I really enjoy 616 00:25:48,880 --> 00:25:50,600 Speaker 1: the process out of it. So not only is it 617 00:25:50,680 --> 00:25:52,800 Speaker 1: a money saver, but it also gives me the chance 618 00:25:52,800 --> 00:25:55,119 Speaker 1: to learn a new skill and to have the confidence 619 00:25:55,119 --> 00:25:57,080 Speaker 1: to be able to tackle any fixes that need to 620 00:25:57,080 --> 00:25:59,240 Speaker 1: take place, you know, down the road as well. Yeah, 621 00:25:59,280 --> 00:26:01,879 Speaker 1: and what you said about maybe I could I could 622 00:26:02,080 --> 00:26:04,119 Speaker 1: work a little bit more and then hire someone to 623 00:26:04,160 --> 00:26:06,960 Speaker 1: do it. You might be underestimating what it costs to 624 00:26:07,480 --> 00:26:09,600 Speaker 1: bring people in your house and have them to work. Because, 625 00:26:09,600 --> 00:26:11,199 Speaker 1: as we talked about with Ken Russ, like a lot 626 00:26:11,240 --> 00:26:13,760 Speaker 1: of blue collar workers are making really good money these days. 627 00:26:13,760 --> 00:26:17,119 Speaker 1: Plumbers make bank Yeah exactly. And in the end, like 628 00:26:17,200 --> 00:26:19,280 Speaker 1: if you think about it, like what is plumbing, it's 629 00:26:19,320 --> 00:26:21,720 Speaker 1: just fitting, you know, fitting pipes together, Like Obviously you 630 00:26:21,720 --> 00:26:23,320 Speaker 1: need to make sure you're doing stuff right, but it's like, 631 00:26:23,640 --> 00:26:26,639 Speaker 1: look at it, it's like legos, like you need to 632 00:26:26,680 --> 00:26:28,439 Speaker 1: make sure you're doing things correctly. You need to make 633 00:26:28,440 --> 00:26:30,560 Speaker 1: sure you're doing things to code. But it's not an 634 00:26:30,600 --> 00:26:34,880 Speaker 1: incredibly complicated task. Yeah, it's difficult, but it's not rocket science. Yes, yeah. Uh, 635 00:26:34,880 --> 00:26:36,399 Speaker 1: And we always say rocket science. I don't really know 636 00:26:36,400 --> 00:26:38,239 Speaker 1: what that entails. Maybe that's easy too, I don't know. 637 00:26:38,320 --> 00:26:41,040 Speaker 1: I keep seeing like these rockets crash, like SpaceX is 638 00:26:41,040 --> 00:26:42,960 Speaker 1: like latest rocket evidently just crashed again. And I was 639 00:26:43,000 --> 00:26:44,520 Speaker 1: just like, you know, I guess it's really hard to 640 00:26:45,280 --> 00:26:46,879 Speaker 1: it's really hard to do that. Yeah, I think so. 641 00:26:47,240 --> 00:26:48,960 Speaker 1: And the last thing we want to mention too is that, yeah, 642 00:26:49,000 --> 00:26:51,040 Speaker 1: we have had some really cold weather lately. We want 643 00:26:51,040 --> 00:26:53,000 Speaker 1: to take a minute to encourage all the cyclists out 644 00:26:53,000 --> 00:26:55,440 Speaker 1: there to keep fighting the good fight. Stay on your bikes, 645 00:26:55,640 --> 00:26:57,320 Speaker 1: you know. Matt and I've been on ours more and 646 00:26:57,320 --> 00:26:59,000 Speaker 1: more these days as our our kids are back in 647 00:26:59,040 --> 00:27:01,480 Speaker 1: school picking them up from school. There was a massive 648 00:27:01,640 --> 00:27:04,800 Speaker 1: bike boom last spring due to COVID and lockdowns, which 649 00:27:04,880 --> 00:27:07,920 Speaker 1: was amazing from an awareness and infrastructure standpoint. There's a 650 00:27:07,960 --> 00:27:10,080 Speaker 1: lot of new riders on the streets, and so cities 651 00:27:10,119 --> 00:27:13,439 Speaker 1: are starting to increase bike infrastructure, new bike lanes, and 652 00:27:13,440 --> 00:27:16,400 Speaker 1: that's gonna provide benefits for months and years to come. 653 00:27:16,600 --> 00:27:18,960 Speaker 1: But with the colder weather here, you might not see 654 00:27:19,000 --> 00:27:21,720 Speaker 1: biking as a viable option, but it is. And I 655 00:27:21,720 --> 00:27:24,400 Speaker 1: would say gloves and cold weather gear goes a long 656 00:27:24,400 --> 00:27:27,000 Speaker 1: way and helping you stay on the roads. It helps 657 00:27:27,040 --> 00:27:29,960 Speaker 1: you save money countless other benefits like exercise. To Matt, 658 00:27:30,000 --> 00:27:33,040 Speaker 1: I got this one like fleece thing that goes over 659 00:27:33,080 --> 00:27:35,119 Speaker 1: my neck. You're literally literally holding it right now. You 660 00:27:35,119 --> 00:27:37,280 Speaker 1: just pulled it off your desk. It's like the greatest thing. 661 00:27:37,320 --> 00:27:39,719 Speaker 1: It keeps it keeps me warm, like it's better than 662 00:27:39,760 --> 00:27:42,320 Speaker 1: a scarf. And but just really honestly, even just that 663 00:27:42,359 --> 00:27:44,439 Speaker 1: neck wrap and some gloves, I'd rather have that than 664 00:27:44,480 --> 00:27:46,960 Speaker 1: a jacket, like those two things, and it it helps 665 00:27:47,000 --> 00:27:49,200 Speaker 1: you get through the winter being able to continue biking. 666 00:27:49,280 --> 00:27:52,040 Speaker 1: So best of luck out their door bike rider listeners. Yeah. Yeah, 667 00:27:52,040 --> 00:27:53,440 Speaker 1: Plus I've seen you use your neck get or two 668 00:27:53,480 --> 00:27:55,600 Speaker 1: is like a little impromptu mask because you have to 669 00:27:55,600 --> 00:27:57,680 Speaker 1: have the mask at pick up now with with the kids, 670 00:27:57,680 --> 00:27:59,120 Speaker 1: and so I love that kind of starves a little 671 00:27:59,160 --> 00:28:02,080 Speaker 1: dual function there exactly. Yeah, but yeah, I'm totally with you. 672 00:28:02,080 --> 00:28:04,880 Speaker 1: I'm I'm actually really encouraged to by our friend Andrew. Uh. 673 00:28:04,920 --> 00:28:08,480 Speaker 1: He still rides his bike everywhere, even in like twenty 674 00:28:08,640 --> 00:28:11,480 Speaker 1: or thirty degree weather, and like just recently he rode 675 00:28:11,520 --> 00:28:13,560 Speaker 1: with his kid, like on the bike seat, dude, and 676 00:28:13,600 --> 00:28:15,920 Speaker 1: he's got a bike from the eighties, like it's his 677 00:28:16,040 --> 00:28:18,919 Speaker 1: old seventies or eighties bike. Uh, And he writes that 678 00:28:18,920 --> 00:28:20,879 Speaker 1: thing to the grocery store. We'll pick up groceries with 679 00:28:20,920 --> 00:28:23,080 Speaker 1: his three year old intoe. And so when it's extra 680 00:28:23,119 --> 00:28:24,600 Speaker 1: cold out there, when I feel like, you know, maybe 681 00:28:24,600 --> 00:28:26,280 Speaker 1: I don't want to bike, I just think about him. 682 00:28:26,320 --> 00:28:27,679 Speaker 1: And so if you're out there and you're like, you 683 00:28:27,680 --> 00:28:29,640 Speaker 1: know what, I haven't touched the bike in the past 684 00:28:29,680 --> 00:28:31,560 Speaker 1: month or two it has been a bit colder. We 685 00:28:31,560 --> 00:28:33,159 Speaker 1: want to encourage you to hop on your bike. And 686 00:28:33,200 --> 00:28:34,919 Speaker 1: the thing is too, once you get pedaling, it warms 687 00:28:34,960 --> 00:28:36,720 Speaker 1: you up and it's nearly as cold as when you 688 00:28:36,760 --> 00:28:39,200 Speaker 1: first step outside. It's just a little bit encouragement for 689 00:28:39,240 --> 00:28:41,440 Speaker 1: everyone out there. There's a whole host of benefits that 690 00:28:41,480 --> 00:28:44,040 Speaker 1: you receive from from biking, and it truly isn't just 691 00:28:44,160 --> 00:28:46,000 Speaker 1: about the money. So that's gonna be it for our 692 00:28:46,000 --> 00:28:48,560 Speaker 1: episode today. Listeners can find all the stories that we 693 00:28:48,640 --> 00:28:50,600 Speaker 1: mentioned within our show notes, as well as any other 694 00:28:50,600 --> 00:28:54,120 Speaker 1: helpful links that we mentioned, including past episodes, and you 695 00:28:54,160 --> 00:28:56,240 Speaker 1: can find all of that at how the Money dot com. Yeah, 696 00:28:56,280 --> 00:28:57,920 Speaker 1: and we hope see back here on Monday. You have 697 00:28:58,000 --> 00:29:00,720 Speaker 1: an ask htm episode where we feature your listener questions 698 00:29:00,760 --> 00:29:02,400 Speaker 1: and Matt and I respond, And if you have a 699 00:29:02,520 --> 00:29:04,880 Speaker 1: financial question burning in your mind, send it our way 700 00:29:04,960 --> 00:29:07,000 Speaker 1: and you can go to how the Money dot com 701 00:29:07,080 --> 00:29:09,440 Speaker 1: slash ask for the simple instructions on how you make 702 00:29:09,480 --> 00:29:11,600 Speaker 1: that happen. So I have a great weekend and Matt. 703 00:29:11,680 --> 00:29:14,400 Speaker 1: Until next time, Best friends Out, Best Friends Out.