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

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Speaker 1: and today we're discussing surprise COVID medical bills and stimulus progress.

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Speaker 1: And Joel, when you say stimulus progress, you mean lack

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Speaker 1: of progress, I mean or lack thereof. We're gonna talk

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Speaker 1: about that as well as a lot of different headlines

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Speaker 1: that caught our eye this week, things that pertain to

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Speaker 1: us in our money. But Joel, real quick I saw

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Speaker 1: that Walmart and Target they both announced that they for

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Speaker 1: this fall, they're they're still gonna be open on Black Friday,

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Speaker 1: but they're not going to be open on Thanksgiving Day,

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Speaker 1: which honestly, I actually thought was already the case. But

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Speaker 1: that's news, man. What are your thoughts on that? I say,

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Speaker 1: it's on American shop until you drop three or six

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Speaker 1: five days a year seven. No, I'm I'm totally in

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Speaker 1: favor of stores and not being open on Thanksgiving, Like,

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Speaker 1: I mean, you don't need an excuse of of a pandemic,

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Speaker 1: you know, to not be open on a like a

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Speaker 1: massive federal holiday like Thanksgiving that's supposed to be about

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Speaker 1: you know, family, family together and it's all that stuff.

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Speaker 1: And I hope you know, even on Thanksgiving, the families

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Speaker 1: are able to get together. I'm sure some families are

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Speaker 1: gonna find that more difficult this year because travel is

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Speaker 1: gonna be more difficult, because getting together with older relatives

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Speaker 1: is going to be more difficult. But yeah, I think

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Speaker 1: staying out of stores on Thanksgiving Day is always a

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Speaker 1: good idea, And so I'm glad that Walmart and Target

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Speaker 1: are kind of going in this direction to limit the

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Speaker 1: in store shopping. I'm sure they're still gonna have like

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Speaker 1: massive online sails when people are going to be in

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Speaker 1: front of their computer after the Turkey dinner on their

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Speaker 1: phone sitting there shopping. Yeah, but I'm glady're at least

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Speaker 1: taking this measure and closing the stores on Thanksgiving. Yeah,

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Speaker 1: we can always look to Target in Walmart to to

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Speaker 1: lead the charge when it comes to social change in America. Right, Yes,

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Speaker 1: they're a beacon of hope. But honestly too, it's really

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Speaker 1: good for everybody that works there. Think about all the

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Speaker 1: associates who are like, I'm gonna go in there and

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Speaker 1: you know, deal with a munch of grumpy people a

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Speaker 1: m the next day on Black Friday, which I know

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Speaker 1: you've done before, by the way, Like you are a

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Speaker 1: previous Black Friday shopper. That was like fourteen years ago.

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Speaker 1: I can proudly say I've never been in a store

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Speaker 1: on Black Friday to take advantage of those deals, you know,

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Speaker 1: waiting in line. Never done it. So, yeah, that was

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Speaker 1: fourteen years ago. I bought a TV and I basically

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Speaker 1: had it until just this past year. But yeah, at

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Speaker 1: this point in my life, definitely wouldn't do that again,

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Speaker 1: that's for sure. All Right, Now, let's get onto our

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Speaker 1: Friday flight a quick sampling of stories that we found

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Speaker 1: interesting this week. We are going to talk about what's

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Speaker 1: going on with the stimulus package and uh lack of

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Speaker 1: progress happening there. But first man experience BOOST. We've talked

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Speaker 1: about that on the show before, and basically BOOST works

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Speaker 1: like this, the records your on time payments that you

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Speaker 1: make with your bank account to third party companies like

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Speaker 1: utility companies and your cell phone service. Traditionally, your credit

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Speaker 1: score is only really a reflection of payments that you've

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Speaker 1: made to financial institutions, like paying off your credit card

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Speaker 1: or paying on a helock to a credit union, or

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Speaker 1: your mortgage, your student loans, all those kind of things.

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Speaker 1: But typically you're monthly bills, those just aren't reflected in

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Speaker 1: your credit score, and experience boost is something that's basically

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Speaker 1: trying to help people increase their score based on other

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Speaker 1: on time payments that they're making. Yeah, and so now

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Speaker 1: they're not only allowing you to enter in information paid

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Speaker 1: to utility companies in your cell phone service provider, but

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Speaker 1: now you can add Netflix. You can add on time

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Speaker 1: Netflix payments in order to boost your score. With so

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Speaker 1: many people staying at home these days, I think Netflix,

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Speaker 1: they're one of those companies that is doing really well

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Speaker 1: these days. Joel, you even mentioned a couple of weeks ago,

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Speaker 1: you guys kind of jumped back on the Netflix train.

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Speaker 1: What are you watch them? By the way, have you

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Speaker 1: checked out Dark? No? I haven't seen Dark is against

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Speaker 1: getting rave reviews. Yeah, evidently they just wrapped up their

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Speaker 1: third and final season and people are talking all about it.

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Speaker 1: So all right, I'll put that on my line. I

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Speaker 1: want you to check it out and then let me

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Speaker 1: know if I should watch. I'm kind of born of

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Speaker 1: the documentaries. Maybe I'm boring in that way, but now

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Speaker 1: that the air in her Name Learning, I know they're

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Speaker 1: in her Nandez documentary. Fascinating. Yeah, fascinating. So but yeah,

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Speaker 1: experience boost can raise your score ten, twelve, fifteen points

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Speaker 1: and now you can include your Netflix bill, which is huge, Matt.

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Speaker 1: It's also discussed disinfect and shortages. I think we've all

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Speaker 1: experienced this. Right toilet paper. It's back on shelves in

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Speaker 1: most places, but it's still hard to find disinfectant wipes.

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Speaker 1: And that's because it's been hard to ramp up production

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Speaker 1: quickly for the companies that make these wipes right there,

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Speaker 1: they're having snags in their supply chains. In particular, polyester

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Speaker 1: that's used for wipes is the same stuff that's needed

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Speaker 1: for ppe and demand is also up four d for

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Speaker 1: these products. So if you know you're gonna need some

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Speaker 1: wipes soon, start hunting now because it might be a

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Speaker 1: while before you find some in the future. Yeah, you know,

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Speaker 1: we're not necessarily encouraging folks to to prep unnecessarily, you know,

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Speaker 1: like you don't need to go out and just buy

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Speaker 1: all the disinfecting wipes that you can possibly buy. That's

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Speaker 1: called hoarding, and we're not gonna encourage that. But you know,

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Speaker 1: if that's what's led to some of the shortages in

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Speaker 1: the first place, exactly, and and so We're not encouraging that,

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Speaker 1: but if you do know that you have a need

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Speaker 1: for these, this is just a little reminder that it's

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Speaker 1: in short supply. One thing hoarding is okay for craft

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Speaker 1: beer sr No judgment there's ever a craft beer shortage

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Speaker 1: that will come knocking on your door man. We also

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Speaker 1: saw that sales tax holidays are happening soon for for

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Speaker 1: some states, about sixteen of them is what we saw.

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Speaker 1: You can say between four and nine percent during these

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Speaker 1: tax free days, depending on the tax rate where you live.

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Speaker 1: Here in Georgia, the sales tax is actually pretty high,

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Speaker 1: so this would be pretty meaningful to our savings when

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Speaker 1: it comes to what we're spending our money on. But

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Speaker 1: our state unfortunately doesn't participate. Yeah, we haven't seen a

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Speaker 1: tax holiday here in Georgia since I looked it up.

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Speaker 1: That's lane I remember having them, but yeah, no longer,

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Speaker 1: it's been too long. Yeah, many of the state tax

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Speaker 1: holidays start this weekend, so while others happened the following weekend,

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Speaker 1: and still others happen at other random times during the year.

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Speaker 1: We'll post a link in the show notes though, so

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Speaker 1: you can see if or when your state is having

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Speaker 1: a tax holiday, and and also what the specific items

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Speaker 1: are exempt from taxation, and then kind of the overall

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Speaker 1: dollar amount that you are allowed to spend without having

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Speaker 1: to pay tax on it. So yeah, I saw it

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Speaker 1: like one state air conditioning units one weekend out of

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Speaker 1: the year, they you don't pay tax on them. Well,

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Speaker 1: that's when you buy a c units right up to

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Speaker 1: like six thou dollars. Think about the amount of tax

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Speaker 1: savings by buying your air conditioner that specific weekend. So yeah,

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Speaker 1: planning your purchases accordingly to when you don't have to

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Speaker 1: pay tax on them is an awesome way to go. Yeah,

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Speaker 1: it's good to cross check that list as well, because

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Speaker 1: some states are not including computers, and so some of

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Speaker 1: that back to school shopping that a lot of families

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Speaker 1: are expected to spend, unfortunately may not qualify. Joel on

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Speaker 1: the working from home front, Google, Uh, we just saw

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Speaker 1: that they announced that their employees are going to be

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Speaker 1: able to work from home until July. Man, this is significant,

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Speaker 1: you know, because I feel that other digital tech companies

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Speaker 1: they're going to follow the lead of of some of

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Speaker 1: the bigger players, and you know, with Google's decision impacting

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Speaker 1: around two hundred thousand workers, that could have an effect

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Speaker 1: on what your employer does. Yeah, earlier, Matt, you mentioned

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Speaker 1: kind of Walmart and how maybe sometimes their decisions guide

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Speaker 1: what other retailers choose to do. Well, it's probably even

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Speaker 1: more true of Google and kind of their decisions on

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Speaker 1: work from home. How other companies are gonna follow suit?

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Speaker 1: Who do you think has more sway, Google or Walmart?

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Speaker 1: It's tough to say, man, it is both mega corporations,

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Speaker 1: although Walmart wasn't the one who was under federal investigation,

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Speaker 1: under the federal spotlight for squashing the competition. That true,

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Speaker 1: That's a good point. Yeah, alright, maw Let's talk about

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Speaker 1: more stimulus now. And the question on lots of people's

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Speaker 1: minds is are we going to get a new stimulus

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Speaker 1: package anytime soon? Well, the answer to that is what

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Speaker 1: do you mean by soon, because it all depends on

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Speaker 1: your definition of when exactly soon as in tomorrow, now,

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Speaker 1: as soon as in the next month, probably right. Increased

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Speaker 1: federal unemployment assistance ran out this past weekend, and we

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Speaker 1: just found out that the economy contracted at a record

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Speaker 1: rate last quarter. Congress is now finally at least working

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Speaker 1: to implement another bill to help Americans as COVID pain

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Speaker 1: has continued to drag on so much longer than we

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Speaker 1: initially anticipated, and especially in our country, Matt that, of course,

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Speaker 1: the response has just been pretty pathetic. But the parties

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Speaker 1: still seem to be so far apart on what they'd

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Speaker 1: like to see in this latest bill that the Senate

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Speaker 1: Republicans proposed on Monday, right at difference of about two

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Speaker 1: trillion dollars in spending is where they're at. One party

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Speaker 1: wants to spend one trillion, the other party wants to

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Speaker 1: spend three plus trillion. It's gonna be interesting to see

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Speaker 1: how long it takes to hammer out the details. You

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Speaker 1: gotta love politics, man. What happens in d C just

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Speaker 1: doesn't seem to have nearly as much consideration for what's

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Speaker 1: happening in the rest of the country as people are

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Speaker 1: actually hurting out there. Yeah, so it's not worth maybe

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Speaker 1: getting into too much detail about the specifics of you know,

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Speaker 1: what's likely to be the Heels Act, because negotiations could

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Speaker 1: take two to three weeks. Still, I love the acronyms

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Speaker 1: they they go up with the Cares Act, the Heels Act.

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Speaker 1: It's beautiful and it actually kind of fits if you

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Speaker 1: if he's read what all the letters sand for. It's

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Speaker 1: it seems appropriate, so I don't blame them for that.

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Speaker 1: But when we do have a final compromise, I think

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Speaker 1: we will likely see federal unemployment benefits continue, but not

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Speaker 1: at the current six weekly amounts. Were also likely to

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Speaker 1: see more direct stimulus payments to individual households, which is

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Speaker 1: nice likely along the same parameters that the Cares Act

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Speaker 1: had outlined. I believe too, that will see more PPP

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Speaker 1: like funding for small businesses because that first round wasn't

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Speaker 1: quite enough to keep many of them afloat. A lot

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Speaker 1: of businesses were approved, but they weren't necessarily approved at

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Speaker 1: the amounts that they know that they need in order

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Speaker 1: to continue operations. Yeah. Well, I mean Congress basically gave

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Speaker 1: them amounts based on an eight week shutdown period, and

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Speaker 1: the shutdowns have lasted a lot longer for a lot

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Speaker 1: of businesses. So if the shutdowns are going to continue,

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Speaker 1: I think businesses are gonna need more federal funds. By

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Speaker 1: the way, there is still PPP money available from the

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Speaker 1: Cares Act that businesses can apply for right now. Four

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Speaker 1: businesses who have not applied yet exactly there's still money left.

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Speaker 1: And you can apply. Access to that money ends on

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Speaker 1: August eight, though, that's when that money runs out, So again,

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Speaker 1: there might be another package past that has more money

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Speaker 1: for small businesses, but there's still money left over now.

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Speaker 1: And Matt, you and I would suggest a website like

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Speaker 1: cabbage dot com k A B B A g E.

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Speaker 1: That's a great place to go to apply for a

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Speaker 1: p P P loan. Right now, either have to go

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Speaker 1: to a bank or you have to go through one

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Speaker 1: of the very very few places online where you can apply.

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Speaker 1: And I know PayPal was offering the p P P loans,

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Speaker 1: but now you can't get them through PayPal anymore, so

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Speaker 1: Cabbage is really one of the only places I know

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Speaker 1: of online you can turn. Also, please don't buy a

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Speaker 1: Lamborghini with the PPPING money. You get some dirt backdown

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Speaker 1: in Florida did that and do that thing? I don't know.

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Speaker 1: Maybe we'll post that article in the show notes, but

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Speaker 1: that's just ridiculous. I mean, I can't believe the guy

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Speaker 1: took the money from the government and then bought a

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Speaker 1: bunch of crap for himself with it. That's just almost

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Speaker 1: impossible to fathom. And it's going to point out too

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Speaker 1: that not only is that it's not going to be

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Speaker 1: forgiven well you know where it'll be turned into a grant.

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Speaker 1: But that's also illegal. You know, there's there's a lot

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Speaker 1: of businesses where individuals have come in and falsified the

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Speaker 1: numbers related to that business in order to get a

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Speaker 1: higher amount from the governments. And so the federal government

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Speaker 1: and they have their hands full in order to make

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Speaker 1: sure there aren't folks that are just looking to take

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Speaker 1: advantage of these, uh these programs. Yeah, for sure, And Matt,

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Speaker 1: we will continue to do updates on the next stimulus

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Speaker 1: package and when things get more concrete, will relay that

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Speaker 1: information to you, in particular how it's gonna impact your

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Speaker 1: business and your personal finances. But we've got more stuff

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Speaker 1: to get to, including banks slashing credit limits and also

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Speaker 1: the surprise medical bills that people are receiving when they

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Speaker 1: get tested for COVID. We'll get to that right after

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Speaker 1: this break. ChIL, we're back to the break in we're

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Speaker 1: discussing our Friday flight. That's where we cover a bunch

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Speaker 1: of stories that we found interesting this week. But real

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Speaker 1: quick too. It's summertime, man, and I know you've shared

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Speaker 1: recently how you don't need watermelon, which is like a

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Speaker 1: summer you know, American treats. But you guys have a

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Speaker 1: lot of figs over at your house. Maybe you even

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Speaker 1: have too many of them. I know some of those

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Speaker 1: made their way back over to our house. We have

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Speaker 1: a lot of figs. Yeah, my seven year old Chie's

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Speaker 1: super into him picking them like every morning, all the

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Speaker 1: ripe ones. And she'll eat half of them man in

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Speaker 1: in like one sitting. It's pretty crazy, like on the

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Speaker 1: spot and pretty much. Yeah, so yeah, we do have

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Speaker 1: a lot of figs. We get this big fig tree

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Speaker 1: in our front yard, um and it is. Yeah, those

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Speaker 1: are nice for a little summer treat for sure. Yeah.

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Speaker 1: I think we're planning to take some of those and

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Speaker 1: make a little tart out of it. So there we do.

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Speaker 1: I'll have to try to share some of that with

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Speaker 1: you all. Yeah, we made like some some jam basically

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Speaker 1: fig jam, and uh yeah it's great. I mean this

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Speaker 1: is this has been like the year the homestead. You know,

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Speaker 1: we talked about the little nature preserve in our neighborhood

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Speaker 1: and y'all picked a bunch of blackberries made BlackBerry pie.

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Speaker 1: We we picked them and kind of made like a

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Speaker 1: like a jam out of it. So I feel like

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Speaker 1: we're all getting our fingers a little more dirty, kind

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Speaker 1: of you know, reconnecting with Earth a little bit. Yeah,

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Speaker 1: I'm feeling a little little house on the prairie these days, exactly.

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Speaker 1: But let's go ahead, let's talk about COVID nineteen testing.

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Speaker 1: Consumer reports. Uh, they are hearing that quote unquote free

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Speaker 1: COVID testing is resulting in some surprise medical bills. You know.

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Speaker 1: I guess we shouldn't be too surprised that in our

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Speaker 1: massively confusing healthcare system that people are are getting random

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Speaker 1: bills for COVID tests that are legally required to be

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Speaker 1: free based on two congressional aid packages passed back in March.

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Speaker 1: Some people received bills from urgent care centers, you know,

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Speaker 1: freestanding test sites, or even hospitals that range from a

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Speaker 1: hundred bucks to three thousand dollars for for COVID nineteen testing. Man,

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Speaker 1: that's just crazy, Yeah, it really is. It's a bummer

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Speaker 1: to to see those stories. And I'm sure people are

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Speaker 1: shocked when they receive a bill in the mail, especially

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Speaker 1: if they bread the headlines and they know that COVID

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Speaker 1: nineteen testing is not supposed to cost them a dollar.

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Speaker 1: So it's important to know that if you did receive

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Speaker 1: a bill after getting tested, you don't owe any money.

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Speaker 1: If you're insured, check to see if your insurance company

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Speaker 1: has paid the bill. If not, get on the phone

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Speaker 1: and make sure they cover those costs. You might have

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Speaker 1: to even submit an appeal. Will link to a great

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Speaker 1: guide from Patient Advocate dot org that will make that

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Speaker 1: easy for you. And if you are uninsured, let the

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Speaker 1: testing center know that you're not supposed to have an

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Speaker 1: outstanding bill from that COVID test due to the Cares Act.

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Speaker 1: Right in these cases, healthcare providers are supposed to submit

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Speaker 1: the bills to the provider Relief fund that those stimulus

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Speaker 1: bills created. We want to make sure if you've got

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Speaker 1: that bill, shock, you've got that surprising bill in the mail,

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Speaker 1: that you're not paying it unnecessarily. Yeah, that was the

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Speaker 1: exact reason, man, Why why these funds, why these aid

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Speaker 1: packages were passed back in the spring. But you know,

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Speaker 1: there are a few instances where you would be responsible

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Speaker 1: for a bill. For example, it's important to note that

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Speaker 1: being tested for COVID that is covered, but not the treatment.

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Speaker 1: So if you were in the hospital receiving treatment for COVID,

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Speaker 1: you will receive the bill for that care. On a

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Speaker 1: similar note, if you have COVID like symptoms and you

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Speaker 1: went in to get evaluated for COVID, but maybe first

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Speaker 1: you're tested for something else like pneumonia, you're going to

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Speaker 1: be on the hook for that test and for treatment

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Speaker 1: received from that as well. You know, those eight packages

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Speaker 1: aren't a free pass on all medical spending, yeah, for sure.

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Speaker 1: So one of the ways you can completely avoid all

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Speaker 1: this headache is to go to a pharmacy or a

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Speaker 1: retailer that has directly partnered with states or the Department

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Speaker 1: of Health and Human Services. In these cases, no cost

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Speaker 1: testing is being provided for free by folks like CBS

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Speaker 1: and by Walmart. Will include a link in our show

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Speaker 1: notes to the Health and Human Services site where you

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Speaker 1: can see if you qualify and are eligible for those

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Speaker 1: no cost tests, and then you can avoid the bills,

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Speaker 1: the reimbursements, the phone calls about the surprise medical bill,

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Speaker 1: you know, altogether. Of course, Walmart had to come back

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Speaker 1: up in our conversation. I think we have like a

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Speaker 1: love hate relationship with them, right. You know, I don't

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Speaker 1: hate Walmart, that's for sure. I don't shop that very

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Speaker 1: often because I don't find it to be a wonderful

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Speaker 1: experience when I do. But but yeah, I don't really

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Speaker 1: have anything against Walmart, but I know some people do. Well.

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Speaker 1: Let's go ahead, shift gears. Let's talk about credit cards.

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Speaker 1: You know, we've talked about banks increasing lending standards and

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Speaker 1: slashing credit limits on previous Friday episodes. But it's important

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Speaker 1: to note now that these things are happening even more

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Speaker 1: frequently as banks that they're looking to protect their own

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Speaker 1: bottom line by curbing the risk. A recent survey reported

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Speaker 1: that of Americans have had a credit card account closed involuntarily,

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Speaker 1: and one and three have had their credit limit reduced.

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Speaker 1: This has caused some to unintentionally max out the credit cards,

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Speaker 1: you know, which puts an even bigger stray in a

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Speaker 1: their finances In an already tough time, there's lots of

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Speaker 1: individuals need access to a credit line in order to

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Speaker 1: pay their bills. Right now, this is going to hurt

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Speaker 1: the credit scores of millions of Americans. And we know

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Speaker 1: that a dinged credit score has all these other impacts,

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Speaker 1: right these cascading impacts. Um it could affect the amount

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Speaker 1: you pay for insurance. I mean, there's so many things,

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Speaker 1: so it's important to do a couple of things right now. One,

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Speaker 1: use all of your credit cards consistently. Matt and I

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Speaker 1: would say that you should use your credit cards once

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Speaker 1: per billing cycle, or maybe twice a month, even if

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Speaker 1: you want to play it safe, so your bank doesn't

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Speaker 1: cancel your card due to inactivity. If they cancel that card, obviously,

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Speaker 1: then you won't be able to use that credit card

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Speaker 1: and you're missing out on access to those funds if

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Speaker 1: you need them. But at the same time, it could

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Speaker 1: massively hurt your score to pay that credit card bill

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Speaker 1: on time and in full every month. This is always

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Speaker 1: our advice, right We always want people to avoid paying

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Speaker 1: interest and fees to the credit card companies by paying

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Speaker 1: those bills in full. But it's even more important right now,

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Speaker 1: so the banks don't think that you're a credit risk

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Speaker 1: and then think that maybe I should be shutting down

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Speaker 1: that credit line of credit because that person is a

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Speaker 1: threat to not pay. And then three, watch your utilization.

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Speaker 1: Don't charge more than of your credit limit in any month.

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Speaker 1: So if you have a five thousand dollar limit, don't

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Speaker 1: charge more than bucks a month. And then, lastly, if

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Speaker 1: this has already happened to you reach out to your

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Speaker 1: bank to ask that your credit limit be increased back

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Speaker 1: to where it was. It might not work, but it's

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Speaker 1: important to try. Yeah, and you, like you mentioned, these

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Speaker 1: are things that are good to do no matter what.

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Speaker 1: But in particular now as the banks, as the credit

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Speaker 1: card companies are changing the rules a little bit, you know,

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Speaker 1: it's important for us to stay on top of our

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Speaker 1: credit cards, make sure that we're not over utilizing our

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Speaker 1: credit because we're aligned to get cut, you know, or

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Speaker 1: a credit limit to be reduced that would immediately increase

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Speaker 1: our utilization rate, which would then affect our credit score. Man,

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Speaker 1: have you actually seen any of your your your limits decreased?

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Speaker 1: I haven't. I haven't. I think part of that is

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Speaker 1: because I'm kind of hyper aware of playing by the

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Speaker 1: rules that the bank's set up, and you know, some

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Speaker 1: of those rules are a little arbitrary. But the more

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Speaker 1: you can play by those rules, you're way less likely

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Speaker 1: to have a credit card closed or a limit decreased, which, yeah,

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Speaker 1: has just all these other impacts that are negative for

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Speaker 1: for people, especially right now. Yeah, man, it makes sense

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Speaker 1: that if you are keeping a clean house, that you know,

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Speaker 1: the credit card companies are probably gonna leave you alone.

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Speaker 1: They're not gonna cut your your limits. And you know what,

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Speaker 1: if you've had a pretty decent score, there's actually a

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Speaker 1: good chance to that you could actually maybe even increase

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Speaker 1: your credit limit. So actually I got I logged on

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Speaker 1: right before we hit record, and I was kind of

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Speaker 1: wanting to test this out. My off I'll log into

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Speaker 1: one of my credit cards, and with a lot of

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Speaker 1: the different companies, you can request a credit limit increase online.

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Speaker 1: And so one of my cards, man, I had a limit,

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Speaker 1: and I requested a two thousand dollar limit increase, and

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Speaker 1: I got it like immediately, like just on the spot,

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Speaker 1: and they're like, you will be able to utilize this

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Speaker 1: increased limit within fifteen minutes. I was like, that's way

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Speaker 1: too easy. I think I thought you were going to

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Speaker 1: say your Titanium card, you went from a five dollar

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Speaker 1: limit to like a seven fifty bump that up to

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Speaker 1: one mill please now. But I was surprised at how

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Speaker 1: easy it was. It doesn't even necessarily require a call

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Speaker 1: into the credit card companies maybe like it used to.

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Speaker 1: It can be pretty simple. So if you're in the

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Speaker 1: boat where you might need a credit limit increase, that's

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Speaker 1: something to remember, or if you can just help your

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Speaker 1: credit score, because a credit limit increase can't hurt you

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Speaker 1: except in the case that you would actually spend up

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Speaker 1: to that limit, right, That's exactly that's when it's a

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Speaker 1: bad idea. So all right, Matt, that's gonna do it.

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Speaker 1: For this episode, we covered some good stuff today for

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Speaker 1: everybody out there listening. We will have some some helpful

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Speaker 1: links on our show notes up on our website at

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Speaker 1: how to Money dot com. And maybe you're listening to

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Speaker 1: How the Money for the very first time, maybe you

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Speaker 1: just kind of stumbled upon it, and if you are,

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Speaker 1: we would ask for you to go ahead and hit

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Speaker 1: subscribe so that you don't miss future episodes. And if

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Speaker 1: you are already a subscriber and you haven't left us

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Speaker 1: a review yet, we would love for you to leave

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Speaker 1: us a review. You know what, don't even worry about

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Speaker 1: it over at Apple Podcast. Just do it wherever it

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Speaker 1: is that you listen to your podcast. All right, we'll

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Speaker 1: be back with another episode on Monday. Everybody, have a

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Speaker 1: great weekend, Matt. Until next time, Best Friends Out, Best

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Speaker 1: Friends Out,