1 00:00:00,120 --> 00:00:02,440 Speaker 1: Welcome to How the Money. I'm Joel and I and 2 00:00:02,520 --> 00:00:06,280 Speaker 1: that today we're discussing avoiding burnout over draft fees and 3 00:00:06,360 --> 00:00:27,360 Speaker 1: getting back to work, all right, Joel. Before we dive 4 00:00:27,480 --> 00:00:30,479 Speaker 1: into the stories that we want to cover today, we 5 00:00:30,520 --> 00:00:33,040 Speaker 1: wanted to touch on racism and it is not something 6 00:00:33,040 --> 00:00:36,040 Speaker 1: we normally talk about, but it is a serious problem 7 00:00:36,040 --> 00:00:39,080 Speaker 1: in our country, and yeah, we wanted to address that today. Yeah, 8 00:00:39,080 --> 00:00:41,560 Speaker 1: there are protests going on in city after city across 9 00:00:41,600 --> 00:00:44,440 Speaker 1: the country, and rightly so, Matt. I mean, George Floyd 10 00:00:44,520 --> 00:00:47,120 Speaker 1: was Sadly he was laid to rest on Tuesday. Matt, 11 00:00:47,200 --> 00:00:48,680 Speaker 1: we were out of town. We just got back, and 12 00:00:49,159 --> 00:00:51,680 Speaker 1: we feel the need because we weren't able to address 13 00:00:51,720 --> 00:00:53,680 Speaker 1: it on the show last week or earlier this week, 14 00:00:53,720 --> 00:00:56,000 Speaker 1: to to make our voices heard on this subject and 15 00:00:56,080 --> 00:00:59,880 Speaker 1: to shine a light on racial injustice in our country. However, 16 00:01:00,040 --> 00:01:01,600 Speaker 1: we can all of us out there, you and me 17 00:01:01,720 --> 00:01:04,479 Speaker 1: and our listeners included. It's important to use our voices 18 00:01:04,520 --> 00:01:07,119 Speaker 1: to to uplift and to help others. And Matt, typically 19 00:01:07,120 --> 00:01:08,760 Speaker 1: we choose to use our voices to help people on 20 00:01:08,760 --> 00:01:10,880 Speaker 1: the subject of personal finance, but but there are other 21 00:01:10,880 --> 00:01:12,959 Speaker 1: ways we can use our voices to until we feel 22 00:01:13,160 --> 00:01:15,440 Speaker 1: the need, we feel compelled to talk about this today, 23 00:01:15,640 --> 00:01:18,720 Speaker 1: and in particular math the recent terrible injustice of police 24 00:01:18,720 --> 00:01:21,720 Speaker 1: brutality like happened to to George Floyd, and that's happened 25 00:01:21,720 --> 00:01:24,880 Speaker 1: to many many other African Americans in this country. The 26 00:01:24,880 --> 00:01:28,319 Speaker 1: brutality or the injustice that they have experienced. It's not okay. 27 00:01:28,480 --> 00:01:31,560 Speaker 1: It's absolutely one of the most important subjects that our 28 00:01:31,600 --> 00:01:34,080 Speaker 1: country as a whole is facing right now. Yeah, I 29 00:01:34,120 --> 00:01:36,520 Speaker 1: totally agree, man, And so you know, to that end, 30 00:01:36,959 --> 00:01:39,080 Speaker 1: one of the ways that you can help is at 31 00:01:39,120 --> 00:01:42,400 Speaker 1: the intersection of money and racism. We encourage you to 32 00:01:42,400 --> 00:01:44,920 Speaker 1: to learn about organizations and groups that are working to 33 00:01:45,240 --> 00:01:48,800 Speaker 1: end racism and also to financially support them. Joel and I. 34 00:01:48,920 --> 00:01:50,840 Speaker 1: You know, you and I Man, we've both made donations 35 00:01:50,880 --> 00:01:53,440 Speaker 1: to local groups here in Atlanta. And our goal isn't 36 00:01:53,480 --> 00:01:56,320 Speaker 1: just to learn about these organizations just to donate and 37 00:01:56,480 --> 00:01:59,360 Speaker 1: cross that off of a feel good to do list, right, 38 00:01:59,600 --> 00:02:02,000 Speaker 1: but if it's to learn in order to change the 39 00:02:02,040 --> 00:02:04,360 Speaker 1: way we think in the ways that we behave right, 40 00:02:04,560 --> 00:02:08,520 Speaker 1: not to become just not racist, but to become anti racist. 41 00:02:08,720 --> 00:02:11,120 Speaker 1: And we we feel that calling out racism is not 42 00:02:11,639 --> 00:02:14,200 Speaker 1: a political thing. It's not a political topic, but in fact, 43 00:02:14,240 --> 00:02:17,480 Speaker 1: it's a moral imperative that every one of us is 44 00:02:17,520 --> 00:02:19,840 Speaker 1: called to Yeah, Matt, I agree with you, man, and 45 00:02:19,960 --> 00:02:23,480 Speaker 1: I think yeah. We're approaching this topic from a place 46 00:02:23,560 --> 00:02:27,040 Speaker 1: of feeling like we have a small platform and it's 47 00:02:27,040 --> 00:02:28,880 Speaker 1: important for us to address it here and at the 48 00:02:28,919 --> 00:02:31,120 Speaker 1: same time to say that that we are listening because 49 00:02:31,120 --> 00:02:33,000 Speaker 1: you and I don't know the depths of the difficulties 50 00:02:33,040 --> 00:02:36,560 Speaker 1: that are African American friends, or African Americans in this 51 00:02:36,600 --> 00:02:39,320 Speaker 1: country in general, have had to endure. So we're gonna 52 00:02:39,320 --> 00:02:41,360 Speaker 1: do our best to listen, to hear what other people 53 00:02:41,400 --> 00:02:43,200 Speaker 1: have to say, to learn from their experience, and at 54 00:02:43,200 --> 00:02:45,280 Speaker 1: the same time also be a part of the change 55 00:02:45,280 --> 00:02:47,760 Speaker 1: in whatever way we can. Yeah, Man, that's right. Let's 56 00:02:47,760 --> 00:02:50,360 Speaker 1: go ahead now and jump into our Friday flights, and 57 00:02:50,639 --> 00:02:52,200 Speaker 1: this is when we talk about some of the different 58 00:02:52,400 --> 00:02:54,640 Speaker 1: stories that we've come across this past week that affects 59 00:02:54,680 --> 00:02:57,280 Speaker 1: each of us individually on a personal level when it 60 00:02:57,320 --> 00:03:00,000 Speaker 1: comes to our personal finances. So first, let's talk up 61 00:03:00,000 --> 00:03:01,840 Speaker 1: out a new law that passed Man, You and I 62 00:03:01,880 --> 00:03:04,240 Speaker 1: we've talked about the p p P, the Paycheck Protection 63 00:03:04,280 --> 00:03:07,080 Speaker 1: Program that was part of the Cares Act from several 64 00:03:07,080 --> 00:03:10,239 Speaker 1: weeks ago, but a bill that allows for greater flexibility 65 00:03:10,320 --> 00:03:14,679 Speaker 1: in spending PPP funds was signed into law last Friday. 66 00:03:14,840 --> 00:03:18,080 Speaker 1: This is good news for small businesses in those employed 67 00:03:18,120 --> 00:03:21,280 Speaker 1: by small businesses, as it eased the requirements on payroll 68 00:03:21,320 --> 00:03:24,760 Speaker 1: expenses from s of the loan to six, so it 69 00:03:24,800 --> 00:03:27,600 Speaker 1: allows a lot more flexibility on how small businesses can 70 00:03:27,680 --> 00:03:30,639 Speaker 1: spend that money. And it also extended the time period 71 00:03:30,720 --> 00:03:33,880 Speaker 1: to use the funds from just eight weeks to twenty 72 00:03:33,880 --> 00:03:36,600 Speaker 1: four weeks. So that's pretty huge, man. Uh. And they're 73 00:03:36,600 --> 00:03:38,880 Speaker 1: also calling this the p p p f A, which 74 00:03:38,920 --> 00:03:43,280 Speaker 1: is the Paycheck Protection Program Flexibility Act, which totally kind 75 00:03:43,280 --> 00:03:45,240 Speaker 1: of cracks me up every time I hear that, because 76 00:03:45,240 --> 00:03:46,840 Speaker 1: it kind of makes me think of a performer and 77 00:03:46,880 --> 00:03:49,800 Speaker 1: he's like, for my next act of flexibility to touch 78 00:03:49,840 --> 00:03:52,800 Speaker 1: my toes. Yeah, I mean, it makes sense that they 79 00:03:52,800 --> 00:03:54,840 Speaker 1: that they changed the law and they change the timetable 80 00:03:54,840 --> 00:03:56,920 Speaker 1: in particular for small businesses, because when the bill was 81 00:03:56,960 --> 00:03:58,800 Speaker 1: originally drafted, it was like, well, how long is this 82 00:03:58,840 --> 00:04:01,120 Speaker 1: gonna last? Probably weeks and then you know they'll be 83 00:04:01,160 --> 00:04:03,680 Speaker 1: able to rehire everyone. We'll be back to normal business 84 00:04:03,720 --> 00:04:07,240 Speaker 1: as usual within two months and that just didn't work out. Right, 85 00:04:07,240 --> 00:04:09,480 Speaker 1: It hasn't been the case. Businesses have been hurt for 86 00:04:09,720 --> 00:04:11,760 Speaker 1: longer than that, a whole lot longer than that. And 87 00:04:11,760 --> 00:04:15,000 Speaker 1: so to give businesses more flexibility with that PPP money 88 00:04:15,040 --> 00:04:16,920 Speaker 1: made a lot of sense. I'm really glad that the 89 00:04:16,960 --> 00:04:18,880 Speaker 1: Congress was able to fix this. Yeah, I love the 90 00:04:18,880 --> 00:04:21,280 Speaker 1: flexibility that it gives small businesses. It allows them to 91 00:04:21,400 --> 00:04:23,800 Speaker 1: use that money as they see fits a little more. Right, 92 00:04:24,000 --> 00:04:27,560 Speaker 1: let's talk to about taking time off during a pandemic. 93 00:04:27,680 --> 00:04:30,560 Speaker 1: A lot of employees are finding it difficult to take 94 00:04:30,600 --> 00:04:32,640 Speaker 1: some time off and get away from work. A recent 95 00:04:32,680 --> 00:04:35,480 Speaker 1: studies showed that almost half of workers fall into this category, 96 00:04:35,760 --> 00:04:39,160 Speaker 1: and the study defines these folks as work martyrs. Right, 97 00:04:39,720 --> 00:04:42,719 Speaker 1: that's where you want to show dedication to your job, 98 00:04:43,160 --> 00:04:45,080 Speaker 1: and if you don't, if you take any time off, 99 00:04:45,080 --> 00:04:46,800 Speaker 1: you feel guilty about it. And a lot of us 100 00:04:46,839 --> 00:04:49,159 Speaker 1: might even be thinking, oh, that's not me. But I 101 00:04:49,200 --> 00:04:51,640 Speaker 1: think this can be really subtle. Even when you feel 102 00:04:51,640 --> 00:04:54,160 Speaker 1: good about taking time off and know that you should, 103 00:04:54,960 --> 00:04:56,960 Speaker 1: I think there can be this kind of low grade 104 00:04:57,000 --> 00:04:59,240 Speaker 1: guilt that kind of rides in the background, you know. Yeah, 105 00:04:59,240 --> 00:05:03,320 Speaker 1: completely stab for vacation time usage for Americans has been 106 00:05:03,360 --> 00:05:05,600 Speaker 1: pretty pitiful for a number of years. Now. I think 107 00:05:05,800 --> 00:05:08,839 Speaker 1: it's even more important right now, whether you're going somewhere 108 00:05:08,920 --> 00:05:12,240 Speaker 1: or not, you know where, whether you're able to get away, uh, 109 00:05:12,440 --> 00:05:14,640 Speaker 1: you know, most people not willing to go on a 110 00:05:14,680 --> 00:05:17,120 Speaker 1: plane right now, or whether you're willing to drive somewhere 111 00:05:17,200 --> 00:05:19,080 Speaker 1: and and get out of town for a few days, 112 00:05:19,520 --> 00:05:22,680 Speaker 1: or whether you're doing like a staycation but to stop 113 00:05:22,720 --> 00:05:24,800 Speaker 1: doing work for a period of time to take some 114 00:05:24,839 --> 00:05:26,640 Speaker 1: of those vacation days. I think for a lot of 115 00:05:26,640 --> 00:05:29,680 Speaker 1: people to avoid burnout, it's even more important right now 116 00:05:29,720 --> 00:05:32,080 Speaker 1: than than it is typically. And one of the most 117 00:05:32,080 --> 00:05:34,359 Speaker 1: helpful points in the article that we read Matt that 118 00:05:34,360 --> 00:05:37,239 Speaker 1: they highlighted was how you actually go about convincing yourself 119 00:05:37,279 --> 00:05:39,040 Speaker 1: and your boss that you need this time off. And 120 00:05:39,279 --> 00:05:41,000 Speaker 1: one of the ways to do this is by writing 121 00:05:41,000 --> 00:05:43,479 Speaker 1: out the implications to yourself and your work. And one 122 00:05:43,520 --> 00:05:45,520 Speaker 1: of the biggest reasons to do this is is burnout 123 00:05:45,760 --> 00:05:49,279 Speaker 1: and burnout can lead to decrease productivity levels and it 124 00:05:49,360 --> 00:05:52,640 Speaker 1: can actually affect your work in a majorly negative way. 125 00:05:53,040 --> 00:05:55,760 Speaker 1: And I think right now are emotions are all more 126 00:05:55,880 --> 00:05:58,799 Speaker 1: volatile for a lot of reasons. In large part COVID 127 00:05:58,839 --> 00:06:02,039 Speaker 1: related and so sure that you do take time off 128 00:06:02,279 --> 00:06:04,520 Speaker 1: to be able to rest and recharge and get away 129 00:06:04,680 --> 00:06:07,320 Speaker 1: from your daily work is really important and I would 130 00:06:07,320 --> 00:06:09,559 Speaker 1: suggest that people will take advantage and not not for sake, 131 00:06:09,600 --> 00:06:12,080 Speaker 1: it just because we're kind of in an odd, new 132 00:06:12,120 --> 00:06:15,440 Speaker 1: normal time. Yeah. By identifying those potential risks and those 133 00:06:15,480 --> 00:06:17,919 Speaker 1: issues and being able to present that to your boss 134 00:06:17,960 --> 00:06:20,279 Speaker 1: or to your work, I think you could easily convince 135 00:06:20,360 --> 00:06:22,520 Speaker 1: them that hey, this is in the best interest of 136 00:06:22,520 --> 00:06:25,479 Speaker 1: both of us to do this. And on a personal level, 137 00:06:25,520 --> 00:06:27,920 Speaker 1: this burnout can it can lead to declines in your 138 00:06:27,960 --> 00:06:31,080 Speaker 1: mental and your physical health, as well as the different 139 00:06:31,120 --> 00:06:34,960 Speaker 1: critical roles that we play in important relationships in our life. Man. 140 00:06:35,040 --> 00:06:36,320 Speaker 1: I know, for me, like when it comes to my 141 00:06:36,320 --> 00:06:38,719 Speaker 1: physical health, if I don't take care of myself, sometimes 142 00:06:38,720 --> 00:06:41,680 Speaker 1: I'll get migraines. That's something I've kind of learned over 143 00:06:41,680 --> 00:06:43,880 Speaker 1: the years. I'm like, why do I get these migraines? Well, 144 00:06:43,960 --> 00:06:45,960 Speaker 1: maybe once or twice a year. It's it tends to 145 00:06:46,000 --> 00:06:49,200 Speaker 1: be when I'm kind of stressed. And of course relationships family, Uh, 146 00:06:49,279 --> 00:06:51,760 Speaker 1: they're really important. You know. If we were to really 147 00:06:51,800 --> 00:06:53,560 Speaker 1: step back and to list out the things that are 148 00:06:53,640 --> 00:06:56,640 Speaker 1: important to us, those relationships and our health would easily 149 00:06:56,720 --> 00:06:58,640 Speaker 1: be at the top of the list for most of us, 150 00:06:58,960 --> 00:07:00,720 Speaker 1: but it's just so easy to get caught up in 151 00:07:00,720 --> 00:07:03,280 Speaker 1: the achievement and earning. More So, we need to make 152 00:07:03,279 --> 00:07:06,039 Speaker 1: sure that we're prioritizing time off right now. Even though 153 00:07:06,120 --> 00:07:08,680 Speaker 1: it might feel, you know, even harder to do during 154 00:07:08,680 --> 00:07:11,840 Speaker 1: this pandemic, chances are that it's also far more necessary 155 00:07:11,880 --> 00:07:14,440 Speaker 1: to take these steps now as well. Yeah, completely agree, 156 00:07:14,440 --> 00:07:16,720 Speaker 1: all right, Matt. Also, let's mention over draft fees, right. 157 00:07:16,760 --> 00:07:18,920 Speaker 1: The numbers just came out and last year the large 158 00:07:18,960 --> 00:07:22,440 Speaker 1: banks took over eleven billion dollars in over draft fees 159 00:07:22,520 --> 00:07:26,000 Speaker 1: out of customer accounts. This was before the pandemic left 160 00:07:26,080 --> 00:07:28,680 Speaker 1: so many in an even tougher financial position, and it's 161 00:07:28,720 --> 00:07:30,720 Speaker 1: important to to state that we understand that this is 162 00:07:30,760 --> 00:07:33,240 Speaker 1: part of how banks make money. But for our listeners, 163 00:07:33,280 --> 00:07:35,040 Speaker 1: they're the kind of people that want to avoid over 164 00:07:35,120 --> 00:07:37,640 Speaker 1: draft fees altogether. They don't want to be paying a 165 00:07:37,720 --> 00:07:40,640 Speaker 1: pesky thirty or thirty five dollar fee if they overdraw 166 00:07:40,680 --> 00:07:42,880 Speaker 1: their account, and there are so many ways to avoid 167 00:07:42,880 --> 00:07:44,960 Speaker 1: this too. And what sucks to is that more than 168 00:07:45,040 --> 00:07:47,120 Speaker 1: eight percent of these fees were paid by just nine 169 00:07:47,160 --> 00:07:49,240 Speaker 1: percent of account holder, So it really is this small 170 00:07:49,280 --> 00:07:52,679 Speaker 1: segment of the banking population that's paying a massive amount 171 00:07:52,680 --> 00:07:54,640 Speaker 1: of these fees. And over draft fees at this point 172 00:07:54,640 --> 00:07:56,960 Speaker 1: are completely optional, like you can opt in or you 173 00:07:57,000 --> 00:07:59,320 Speaker 1: can opt out, and we would suggest you opting out. 174 00:07:59,440 --> 00:08:01,880 Speaker 1: It's so much or to get that transaction declined than 175 00:08:02,000 --> 00:08:03,920 Speaker 1: to have the transaction go through be able to get 176 00:08:03,960 --> 00:08:06,240 Speaker 1: your three dollar coffee or your ten dollar meal, and 177 00:08:06,360 --> 00:08:08,200 Speaker 1: it actually costs a whole lot more than that because 178 00:08:08,200 --> 00:08:10,360 Speaker 1: you're paying an overdraft fee on top of it. So 179 00:08:10,480 --> 00:08:12,160 Speaker 1: just know that you have that option that you can 180 00:08:12,200 --> 00:08:15,120 Speaker 1: turn over draft protection off and that will save you 181 00:08:15,160 --> 00:08:17,440 Speaker 1: just a massive amount of these fees. It's just crazy. 182 00:08:17,440 --> 00:08:20,280 Speaker 1: The banks make eleven billion dollars a year on them. Yeah. Man, 183 00:08:20,320 --> 00:08:23,080 Speaker 1: it's terrible that the most vulnerable are also the ones 184 00:08:23,120 --> 00:08:25,480 Speaker 1: who are the hardest hit. And you know these numbers 185 00:08:25,480 --> 00:08:28,360 Speaker 1: in this research is by the Center for Responsible Lending. 186 00:08:28,760 --> 00:08:30,840 Speaker 1: They're working to get all the banks to stop over 187 00:08:30,880 --> 00:08:34,240 Speaker 1: draft fees during the pandemic. While many banks have taken 188 00:08:34,240 --> 00:08:36,280 Speaker 1: steps to work with folks on an individual level, it 189 00:08:36,280 --> 00:08:38,480 Speaker 1: wou'd be amazing to see banks across the board step 190 00:08:38,559 --> 00:08:41,079 Speaker 1: up and take care of their customers. So at the 191 00:08:41,160 --> 00:08:43,120 Speaker 1: very least be aware of your overdraft fees and know 192 00:08:43,440 --> 00:08:45,960 Speaker 1: that you can reach out as many banks are willing 193 00:08:46,000 --> 00:08:48,000 Speaker 1: to work with individuals. But also know too that the 194 00:08:48,040 --> 00:08:50,880 Speaker 1: Center of Responsible Lending they're working for bigger changes. They're 195 00:08:50,920 --> 00:08:53,520 Speaker 1: great organization, a nonprofit, and you can even support them 196 00:08:53,559 --> 00:08:55,199 Speaker 1: if you want to. Yeah, Matt, And this is to 197 00:08:55,440 --> 00:08:57,760 Speaker 1: why on the show we talk about which banks you 198 00:08:57,760 --> 00:08:59,839 Speaker 1: should be banking with. And there are some banks that 199 00:09:00,080 --> 00:09:02,760 Speaker 1: just have terrible customer service. They want to charge you 200 00:09:02,800 --> 00:09:05,120 Speaker 1: these over draft fees. They're not looking out for you 201 00:09:05,240 --> 00:09:07,480 Speaker 1: at all. And if you incur these over draft fees, 202 00:09:07,640 --> 00:09:09,400 Speaker 1: you might spend hours on hold to trying to get 203 00:09:09,480 --> 00:09:11,400 Speaker 1: one or two of them removed, and it feels like 204 00:09:11,400 --> 00:09:12,840 Speaker 1: beating your head against the wall. And so we would 205 00:09:12,880 --> 00:09:16,320 Speaker 1: recommend doing business with banks that have a much harder 206 00:09:16,360 --> 00:09:18,800 Speaker 1: bent towards customer service, that are not looking to try 207 00:09:18,800 --> 00:09:22,280 Speaker 1: to feed or death when you do overdraft your account. Man. 208 00:09:22,320 --> 00:09:24,440 Speaker 1: I remember when I first signed up with my first 209 00:09:24,480 --> 00:09:27,400 Speaker 1: online banking account. It was with Capital One formerly I 210 00:09:27,520 --> 00:09:30,000 Speaker 1: n G, and they would do this thing where if 211 00:09:30,000 --> 00:09:32,120 Speaker 1: you took too much money out of your checking account, 212 00:09:32,200 --> 00:09:33,920 Speaker 1: well they would pull it out of your same news account. 213 00:09:34,040 --> 00:09:35,760 Speaker 1: But these big banks they won't they won't even do 214 00:09:35,840 --> 00:09:38,120 Speaker 1: that like that, you've got the money there, but you 215 00:09:38,200 --> 00:09:40,640 Speaker 1: overdrew this one account and you're gonna pay. You're gonna 216 00:09:40,640 --> 00:09:42,400 Speaker 1: pay that thirty five bucks or thirty nine bucks or 217 00:09:42,440 --> 00:09:45,359 Speaker 1: whatever it is. The fees are just astronomical. They're ridiculous, 218 00:09:45,440 --> 00:09:47,719 Speaker 1: and it's so important to avoid them because they're their 219 00:09:47,720 --> 00:09:50,680 Speaker 1: budget records. They're they're terrible for our finances. Man, that 220 00:09:50,760 --> 00:09:53,720 Speaker 1: first online bank I Energy anytime you mentioned that, it 221 00:09:53,760 --> 00:09:56,160 Speaker 1: really takes me back. It kind of dates us a 222 00:09:56,200 --> 00:09:59,079 Speaker 1: little bit, but that that Electric Orange account was really good. 223 00:09:59,400 --> 00:10:01,199 Speaker 1: Also had one of this um It's like one of 224 00:10:01,200 --> 00:10:03,160 Speaker 1: the kinds, like the first of its kind. It really was. 225 00:10:03,600 --> 00:10:07,520 Speaker 1: Also to estates have reopened, a lot of businesses are 226 00:10:07,520 --> 00:10:10,800 Speaker 1: also beginning to reopen. In particular businesses and hospitality and 227 00:10:10,800 --> 00:10:13,800 Speaker 1: retail man. I saw Dunkin Donuts. They are hiring up 228 00:10:13,840 --> 00:10:16,800 Speaker 1: to workers for new positions that they're looking to fill 229 00:10:16,840 --> 00:10:19,320 Speaker 1: this year, which Joel, I got an important question for you. 230 00:10:19,320 --> 00:10:22,080 Speaker 1: Are you a Dunkin donutsman or Krispykreme Krispy Creme all 231 00:10:22,080 --> 00:10:24,120 Speaker 1: the way? Are you yeah? And ready? Wait hot and 232 00:10:24,120 --> 00:10:27,880 Speaker 1: ready I thought that was Little Caesar's. Well whatever, they've 233 00:10:27,920 --> 00:10:29,280 Speaker 1: got the hot light I know they had that they 234 00:10:29,280 --> 00:10:31,199 Speaker 1: had to sign once they're once they're fresh, when it's on, 235 00:10:31,240 --> 00:10:33,040 Speaker 1: when they're fresh and they're hot, and there's nothing beats 236 00:10:33,040 --> 00:10:35,000 Speaker 1: a krispykreame, what's the pizza thing? When they're when they're 237 00:10:35,040 --> 00:10:36,360 Speaker 1: on the side of the road trying to like get 238 00:10:36,360 --> 00:10:37,719 Speaker 1: you to buy them, like almost out of your car. 239 00:10:37,880 --> 00:10:39,720 Speaker 1: You know what I'm talking about? I don't. I don't know. 240 00:10:39,880 --> 00:10:42,040 Speaker 1: It must be Krispy cream. People to know it's pizza. 241 00:10:42,240 --> 00:10:44,160 Speaker 1: Maybe it's something they only did in Athens, like on 242 00:10:44,280 --> 00:10:46,360 Speaker 1: game days. Let's not get off on that tangent. We're 243 00:10:46,400 --> 00:10:48,360 Speaker 1: talking about donuts here, and dude, I'm never buying a 244 00:10:48,360 --> 00:10:51,240 Speaker 1: pizza at somebody's trying. Come on, that's weird. Okay, let's 245 00:10:51,240 --> 00:10:52,599 Speaker 1: get back to the donuts though for some reason, I 246 00:10:52,640 --> 00:10:55,760 Speaker 1: thought you were all about Dunkin Donuts though like those gross, 247 00:10:55,880 --> 00:10:59,720 Speaker 1: you know, katy, crumbly dry donuts, Krispy Kreme or so 248 00:10:59,800 --> 00:11:02,400 Speaker 1: much better the melt in your mouth like a marshmallow, 249 00:11:02,679 --> 00:11:06,360 Speaker 1: but even better. But we're gonna talk more about jobs 250 00:11:06,720 --> 00:11:08,439 Speaker 1: and what it looks like to go back to work, 251 00:11:08,600 --> 00:11:19,840 Speaker 1: and we'll get to that right after the break. All right, 252 00:11:19,840 --> 00:11:21,480 Speaker 1: we're back to the break. We're talking about keeting back 253 00:11:21,520 --> 00:11:23,640 Speaker 1: to work and jobs. You just talked about how Dunkin 254 00:11:23,679 --> 00:11:25,760 Speaker 1: Donuts hiring. Yeah, we're talking about jobs. We're not gonna 255 00:11:25,760 --> 00:11:27,920 Speaker 1: talk about donuts anymore. If Chrispy Kreme was hiring, though, 256 00:11:28,720 --> 00:11:30,560 Speaker 1: I'd considerate. How many donuts do you think that Krispy 257 00:11:30,600 --> 00:11:33,199 Speaker 1: Creem employee is allowed to eat during a single shift? 258 00:11:33,480 --> 00:11:35,800 Speaker 1: You know, any restaurant or any like bar, you're allowed 259 00:11:35,880 --> 00:11:37,920 Speaker 1: like one drink, or you're allowed one entree or one 260 00:11:37,960 --> 00:11:41,000 Speaker 1: meal during your shift. I'm say half dozen, that's my guest. 261 00:11:41,120 --> 00:11:43,040 Speaker 1: What if every single shift you could sit down and 262 00:11:43,240 --> 00:11:45,719 Speaker 1: just eat six donuts? It would not be good, be 263 00:11:45,760 --> 00:11:48,600 Speaker 1: awesome for so many reasons. But but yeah, I've seen 264 00:11:48,640 --> 00:11:51,240 Speaker 1: so many hirings, let's talk. I've seen so many hiring 265 00:11:51,280 --> 00:11:54,880 Speaker 1: signs just driving around. It seems like the great rehire 266 00:11:54,920 --> 00:11:57,199 Speaker 1: is beginning. And but before we get to that, Matt, 267 00:11:57,200 --> 00:11:59,760 Speaker 1: I did want to mention one thing. As you know, 268 00:11:59,760 --> 00:12:02,280 Speaker 1: maybe you have been laid off and you're looking for work, 269 00:12:02,640 --> 00:12:04,920 Speaker 1: maybe you have been working from home. There are so 270 00:12:04,920 --> 00:12:08,120 Speaker 1: many ways that our lives have changed. Right now, and 271 00:12:08,160 --> 00:12:11,480 Speaker 1: as things are opening up, well, it's really important, I think, 272 00:12:11,520 --> 00:12:14,240 Speaker 1: for us to ask kind of a bigger question about 273 00:12:14,480 --> 00:12:17,120 Speaker 1: what we don't want to go back to normal. It's 274 00:12:17,120 --> 00:12:19,439 Speaker 1: something Emily and I have been talking about because before 275 00:12:19,440 --> 00:12:22,200 Speaker 1: we ramp everything back up to a hundred, right and 276 00:12:22,200 --> 00:12:24,480 Speaker 1: and go back to living our normal lives, which which 277 00:12:24,480 --> 00:12:25,840 Speaker 1: I know most of us are not ready to do 278 00:12:25,920 --> 00:12:28,600 Speaker 1: right now anyway, But it's important to take this time 279 00:12:28,640 --> 00:12:30,720 Speaker 1: to reflect on what we want our lives to look 280 00:12:30,760 --> 00:12:33,760 Speaker 1: like as things do begin to open up. We've all 281 00:12:33,800 --> 00:12:37,320 Speaker 1: had different emotional, mental, physical hardships because of COVID, but 282 00:12:37,440 --> 00:12:40,040 Speaker 1: as the states are reopening, it's important for us all 283 00:12:40,080 --> 00:12:41,880 Speaker 1: to be thoughtful about what we want to add back 284 00:12:41,880 --> 00:12:45,000 Speaker 1: into our life, both commitment wise and in what we spend. 285 00:12:45,320 --> 00:12:46,760 Speaker 1: Now might be the perfect time for us to have 286 00:12:46,800 --> 00:12:50,000 Speaker 1: a more thoughtful calendar and a more intentional budget. Right. 287 00:12:50,160 --> 00:12:51,559 Speaker 1: If you're out there listening and you've been able to 288 00:12:51,640 --> 00:12:54,040 Speaker 1: increase your savings right during the pandemic, make it a 289 00:12:54,040 --> 00:12:56,400 Speaker 1: goal to keep your savings rate high. There's just so 290 00:12:56,440 --> 00:12:58,640 Speaker 1: many things that we can learn from how we've had 291 00:12:58,679 --> 00:13:00,760 Speaker 1: to adapt to this pandemic, you know, in our in 292 00:13:00,800 --> 00:13:03,800 Speaker 1: our personal lives and our finances, and I don't want 293 00:13:03,800 --> 00:13:06,680 Speaker 1: this to be an opportunity that's just completely missed where 294 00:13:06,720 --> 00:13:08,680 Speaker 1: we think of it as like a three month downturn 295 00:13:08,760 --> 00:13:11,520 Speaker 1: slump changing our ways and we go straight back to 296 00:13:11,559 --> 00:13:13,800 Speaker 1: normal when the economy cranks back up. Yeah. Man, that's 297 00:13:13,840 --> 00:13:16,680 Speaker 1: a good word, especially regarding you know, you mentioned just 298 00:13:16,720 --> 00:13:18,679 Speaker 1: the different commitments that we have. You know, you're talking 299 00:13:18,720 --> 00:13:21,760 Speaker 1: about our time essentially. I know, for us personally, like 300 00:13:21,800 --> 00:13:25,080 Speaker 1: we have really really enjoyed just this new pace of 301 00:13:25,120 --> 00:13:27,960 Speaker 1: life where we've really slowed down, and it's caused us 302 00:13:28,000 --> 00:13:30,480 Speaker 1: to realize how important it is for us to have 303 00:13:30,600 --> 00:13:32,720 Speaker 1: some of this downtime. So I'm totally with you. I 304 00:13:32,720 --> 00:13:34,439 Speaker 1: think we are are going to make sure that we're 305 00:13:34,440 --> 00:13:37,800 Speaker 1: taking some proactive steps to make sure that we're protecting 306 00:13:37,800 --> 00:13:39,880 Speaker 1: our calendar. Essentially, we're kind of guarding it a little 307 00:13:39,920 --> 00:13:41,839 Speaker 1: more than maybe we used to. And so let's go 308 00:13:41,840 --> 00:13:44,640 Speaker 1: ahead now shift gears to two jobs to work. A 309 00:13:44,679 --> 00:13:47,120 Speaker 1: lot of folks are still without work, even though you know, 310 00:13:47,160 --> 00:13:49,439 Speaker 1: it does seem that we may have turned the corner 311 00:13:49,440 --> 00:13:52,720 Speaker 1: a little bit. More jobs were added than we're lost 312 00:13:52,800 --> 00:13:55,240 Speaker 1: at the end of last week, which is amazing. And 313 00:13:55,280 --> 00:13:57,920 Speaker 1: this caused one economist, though, to go so far as 314 00:13:57,920 --> 00:14:01,160 Speaker 1: to declare the end of the recession big words. That 315 00:14:01,440 --> 00:14:05,959 Speaker 1: seems incredibly premature to me, especially considering their predictions that 316 00:14:06,840 --> 00:14:09,400 Speaker 1: the jobs that were lost might not ever come back. 317 00:14:09,920 --> 00:14:12,760 Speaker 1: Into the National Bureau of Economic Research, just earlier this week, 318 00:14:12,800 --> 00:14:15,080 Speaker 1: they just announced that we're officially in a recession. So 319 00:14:15,120 --> 00:14:17,199 Speaker 1: how can you kind of end a recession before it 320 00:14:17,640 --> 00:14:20,320 Speaker 1: officially even was called a recession? I guess it is 321 00:14:20,440 --> 00:14:23,080 Speaker 1: all semantics and something else that's come to light as well. 322 00:14:23,120 --> 00:14:25,680 Speaker 1: The Washington Post they even reported that there have been 323 00:14:25,720 --> 00:14:29,760 Speaker 1: some misclassifications, uh, some errors that is making the headline 324 00:14:29,800 --> 00:14:32,800 Speaker 1: unemployment rate look better than it actually is. It can 325 00:14:32,840 --> 00:14:36,320 Speaker 1: be difficult to sort through some of these different contrasting headlines, 326 00:14:36,720 --> 00:14:38,960 Speaker 1: but we tend to be optimistic and we're hopeful as 327 00:14:39,040 --> 00:14:42,080 Speaker 1: more individuals do get back to work. Still not ready 328 00:14:42,120 --> 00:14:44,520 Speaker 1: to be claire that we're out of a recession. It 329 00:14:44,560 --> 00:14:46,880 Speaker 1: seems quite early to do that with all of the 330 00:14:46,920 --> 00:14:50,200 Speaker 1: economic difficulty surrounding us, right, but that the topic of 331 00:14:50,240 --> 00:14:53,440 Speaker 1: going back to work is another important topic we we 332 00:14:53,520 --> 00:14:55,880 Speaker 1: really feel like we need to breach on the show today. 333 00:14:56,280 --> 00:14:59,120 Speaker 1: It's tricky right now, and I'm seeing stories about people 334 00:14:59,120 --> 00:15:01,080 Speaker 1: being nervous or scary to go back into their place 335 00:15:01,080 --> 00:15:03,040 Speaker 1: of work while the virus is still taking its toll, 336 00:15:03,480 --> 00:15:07,160 Speaker 1: and understandably so, right, it's scary to think about going 337 00:15:07,240 --> 00:15:10,480 Speaker 1: into a customer facing job or going back into a 338 00:15:10,560 --> 00:15:13,840 Speaker 1: building to to even work with your your fellow employees 339 00:15:13,960 --> 00:15:16,600 Speaker 1: right now, and and most employers seem to be taking 340 00:15:16,680 --> 00:15:19,600 Speaker 1: some precautions to build confidence. You know, my work in particular, 341 00:15:19,640 --> 00:15:22,400 Speaker 1: MAT is requiring temperature checks and masks to be worn 342 00:15:22,440 --> 00:15:25,040 Speaker 1: in the building unless you're in your office. Oh are 343 00:15:25,040 --> 00:15:28,760 Speaker 1: they doing? Aren't it temperature checks or or even more awkward? No, 344 00:15:28,960 --> 00:15:31,400 Speaker 1: not quite that detailed, just just the forehead. It works. 345 00:15:31,400 --> 00:15:33,000 Speaker 1: It just depends on how thorough you want to be, 346 00:15:33,120 --> 00:15:36,520 Speaker 1: right exactly, But yeah, I would say too. It's really 347 00:15:36,520 --> 00:15:39,640 Speaker 1: important for people to know that you need to be 348 00:15:39,720 --> 00:15:42,400 Speaker 1: really careful if you refuse to go back to work 349 00:15:42,440 --> 00:15:45,080 Speaker 1: when your employer is attempting to bring you back. And 350 00:15:45,240 --> 00:15:48,880 Speaker 1: there are stories going around that employers are firing employees 351 00:15:49,080 --> 00:15:51,160 Speaker 1: who are refusing to return to work, and they're reporting 352 00:15:51,200 --> 00:15:53,920 Speaker 1: them to their local departments of labor, effectively ending their 353 00:15:54,000 --> 00:15:58,080 Speaker 1: unemployment benefits and putting them in an incredibly difficult position. Basically, 354 00:15:58,160 --> 00:16:00,480 Speaker 1: you just lost your job and you lost your employment 355 00:16:00,480 --> 00:16:03,480 Speaker 1: income that was increased. Yeah, for for the time being. 356 00:16:03,760 --> 00:16:06,200 Speaker 1: And some state labor departments are setting up direct phone 357 00:16:06,200 --> 00:16:08,640 Speaker 1: lines to make it easier for employers to report these 358 00:16:08,640 --> 00:16:10,760 Speaker 1: employees who would prefer not to return. That's one of 359 00:16:10,760 --> 00:16:12,920 Speaker 1: those things I know. There are a lot of things 360 00:16:12,920 --> 00:16:15,960 Speaker 1: that we have to take into consideration. Hopefully our employers 361 00:16:16,040 --> 00:16:18,760 Speaker 1: are taking proper precautions to make sure that we can 362 00:16:18,840 --> 00:16:21,400 Speaker 1: return to work safely. But if you refuse to go 363 00:16:21,440 --> 00:16:23,680 Speaker 1: back to work, it's just so important for us to 364 00:16:23,680 --> 00:16:25,200 Speaker 1: tell you that this is the kind of thing that 365 00:16:25,200 --> 00:16:27,680 Speaker 1: could happen. You're in all likelihood not going to be 366 00:16:27,720 --> 00:16:31,120 Speaker 1: able to retain those unemployment benefits if you are called 367 00:16:31,120 --> 00:16:33,640 Speaker 1: back and you refuse to go. Yeah. Man, employers and 368 00:16:33,680 --> 00:16:37,240 Speaker 1: employees are are both navigating brand new waters. Essentially, we've 369 00:16:37,240 --> 00:16:39,360 Speaker 1: never really dealt with something like this before. Uh, and 370 00:16:39,400 --> 00:16:42,440 Speaker 1: these these are treacherous waters as well. But employers, you know, 371 00:16:42,480 --> 00:16:45,920 Speaker 1: we think would do best to be empathetic and communicative 372 00:16:46,120 --> 00:16:49,920 Speaker 1: in this time. So employers, you know, if you are listening, Uh, 373 00:16:50,000 --> 00:16:52,760 Speaker 1: instead of immediately reporting your employers to the state, try 374 00:16:52,840 --> 00:16:55,520 Speaker 1: talking about how you can help them to feel comfortable 375 00:16:55,720 --> 00:16:58,760 Speaker 1: coming back. Talk through the precautions that you'll take, not 376 00:16:58,840 --> 00:17:02,040 Speaker 1: only with your employees but with customers as well. Employer 377 00:17:02,120 --> 00:17:06,080 Speaker 1: empathy and clear and open communication can go a really 378 00:17:06,080 --> 00:17:09,760 Speaker 1: long way, especially right now. Yeah, man, speaking of communication, 379 00:17:09,800 --> 00:17:11,360 Speaker 1: I just talked to one of my neighbors the other 380 00:17:11,440 --> 00:17:14,200 Speaker 1: day and she works for a company that specifically caters 381 00:17:14,240 --> 00:17:17,359 Speaker 1: to workplace break rooms. Oh, not a great business to 382 00:17:17,400 --> 00:17:19,960 Speaker 1: be in right now, that's fair, but her employer has 383 00:17:19,960 --> 00:17:23,280 Speaker 1: been so great about communicating the state of the company finances. 384 00:17:23,320 --> 00:17:25,199 Speaker 1: She mentioned that they've told her that pay cuts are 385 00:17:25,200 --> 00:17:27,399 Speaker 1: on the table, but that they're not gonna happen until 386 00:17:27,400 --> 00:17:30,040 Speaker 1: at least September, and that allows her to plan now 387 00:17:30,119 --> 00:17:32,560 Speaker 1: for that potential scenario. So, even though that's hard news 388 00:17:32,640 --> 00:17:35,520 Speaker 1: to hear, at least she's got months of advanced warning, right. 389 00:17:35,680 --> 00:17:38,440 Speaker 1: But not all employers are communicating at that level though, 390 00:17:38,760 --> 00:17:41,280 Speaker 1: and pay cuts are happening more frequently right now, so 391 00:17:41,280 --> 00:17:43,679 Speaker 1: so it's important to start planning for a potentially reduced 392 00:17:43,720 --> 00:17:46,680 Speaker 1: income now. A pay cut in a typical economic environment 393 00:17:46,800 --> 00:17:49,720 Speaker 1: is disheartening, right. Most people get really bummed if they're told, hey, 394 00:17:49,800 --> 00:17:52,280 Speaker 1: you know what you were worth sixty dollars yesterday. Now 395 00:17:52,320 --> 00:17:55,919 Speaker 1: you're worth start making less money. Yeah, get ready. Not cool. 396 00:17:56,160 --> 00:17:57,920 Speaker 1: But right now, people seem to be taking these pay 397 00:17:57,920 --> 00:18:00,520 Speaker 1: cuts in stride knowing that it's for the greater good 398 00:18:00,520 --> 00:18:03,480 Speaker 1: of the company, allowing all of your fellow employees to 399 00:18:03,480 --> 00:18:06,000 Speaker 1: to retain their positions for the time being. Just know 400 00:18:06,160 --> 00:18:08,960 Speaker 1: that pay cuts are much more likely in today's environment, 401 00:18:09,119 --> 00:18:11,119 Speaker 1: and you might not have the heads up that my 402 00:18:11,119 --> 00:18:13,359 Speaker 1: neighbor got from her employer, that you got months of 403 00:18:13,400 --> 00:18:15,520 Speaker 1: advanced warning. Yeah, I feel like that's rare. I feel 404 00:18:15,520 --> 00:18:17,520 Speaker 1: like a lot of employers are maybe even scared to 405 00:18:17,600 --> 00:18:19,760 Speaker 1: kind of share that information with their employees. Maybe they're 406 00:18:19,760 --> 00:18:22,240 Speaker 1: afraid of them, kind of like looking around and seeing 407 00:18:22,359 --> 00:18:24,359 Speaker 1: who else is hiring. But but I agree, man, a 408 00:18:24,400 --> 00:18:27,040 Speaker 1: lot more folks are willing to take slightly less money 409 00:18:27,040 --> 00:18:29,080 Speaker 1: these days in order to kind of keep the team together. 410 00:18:29,560 --> 00:18:31,920 Speaker 1: Unless you just happen to be that one individual who's like, no, no, no, 411 00:18:32,160 --> 00:18:35,239 Speaker 1: just fire, somebody onna get game a full salary. Well, 412 00:18:35,240 --> 00:18:36,920 Speaker 1: I think most people too, are hopeful that these pay 413 00:18:36,960 --> 00:18:41,000 Speaker 1: cuts are temporary exactly, and typically they will be for 414 00:18:41,000 --> 00:18:42,920 Speaker 1: for a lot of these firms, like as the economy 415 00:18:42,960 --> 00:18:45,320 Speaker 1: is rebounding, as business is coming back. I mean, we've 416 00:18:45,359 --> 00:18:47,920 Speaker 1: seen certain things like air travel even come back faster 417 00:18:48,000 --> 00:18:50,400 Speaker 1: than most people would have predicted. It's been surprising. Yeah, 418 00:18:50,600 --> 00:18:51,840 Speaker 1: And because of that, I think a lot of these 419 00:18:51,880 --> 00:18:54,880 Speaker 1: businesses are optimistic that these pay cuts will be temporary. 420 00:18:54,920 --> 00:18:56,800 Speaker 1: And so yeah, how the money listeners already know to 421 00:18:56,840 --> 00:18:58,760 Speaker 1: live on less than they make, and they are probably 422 00:18:58,760 --> 00:19:00,720 Speaker 1: the best poised to be able to take a pay 423 00:19:00,720 --> 00:19:02,520 Speaker 1: cut and still be able to pay all their bills 424 00:19:02,520 --> 00:19:04,639 Speaker 1: on time and probably even save a little bit also. 425 00:19:05,080 --> 00:19:06,960 Speaker 1: But I really do think, yeah, these pay cuts will 426 00:19:06,960 --> 00:19:09,040 Speaker 1: be temporary, and it's kind of this yeah, feeling of 427 00:19:09,080 --> 00:19:11,080 Speaker 1: being together. We're all in this together. We're all taking 428 00:19:11,080 --> 00:19:12,399 Speaker 1: a little bit of a pay cut to keep this 429 00:19:12,440 --> 00:19:16,080 Speaker 1: company going, to keep our jobs. Well, maybe if you're lucky, 430 00:19:16,640 --> 00:19:18,119 Speaker 1: you can have the best of both worlds, right, You 431 00:19:18,119 --> 00:19:19,920 Speaker 1: won't get a pay cut, and you know, maybe you 432 00:19:19,920 --> 00:19:22,720 Speaker 1: won't even have to return to the office, potentially exposing 433 00:19:22,720 --> 00:19:26,240 Speaker 1: yourself to to sickness. Evidently, more folks are not just 434 00:19:26,280 --> 00:19:29,399 Speaker 1: working from home, but from anywhere. I saw that r 435 00:19:29,480 --> 00:19:33,040 Speaker 1: V companies are showing profitable previous quarters. Um as more 436 00:19:33,040 --> 00:19:35,879 Speaker 1: folks are hitting the road while working. And isn't that 437 00:19:36,040 --> 00:19:38,159 Speaker 1: the dream, Like, I totally want to do that someday, Like, 438 00:19:38,200 --> 00:19:39,920 Speaker 1: even if it's just for the summer, I would love 439 00:19:39,960 --> 00:19:42,480 Speaker 1: to hit the road and like a giant RV with 440 00:19:42,480 --> 00:19:44,239 Speaker 1: with all the kids, and you know, hit up all 441 00:19:44,240 --> 00:19:46,280 Speaker 1: the national parks. No, it sounds great. You have a 442 00:19:46,320 --> 00:19:48,160 Speaker 1: desire to do something like that one of these days. Totally. Yeah, 443 00:19:48,160 --> 00:19:50,919 Speaker 1: We've talked about that for for sure. I don't think 444 00:19:50,960 --> 00:19:53,359 Speaker 1: we're really in the position to do that now. No, yeah, 445 00:19:53,400 --> 00:19:56,040 Speaker 1: but it does sound like this idyllic way to live. Um, 446 00:19:56,040 --> 00:19:58,080 Speaker 1: although I could also see myself getting tired of it. 447 00:19:58,280 --> 00:19:59,680 Speaker 1: Oh no, wait, man, not me. I feel like I 448 00:19:59,720 --> 00:20:02,159 Speaker 1: could most see myself as like a truck driver. I 449 00:20:02,240 --> 00:20:05,520 Speaker 1: love driving, seeing different stuff and to just seeing so 450 00:20:05,600 --> 00:20:07,320 Speaker 1: much of our country. There's so much of the country 451 00:20:07,320 --> 00:20:09,080 Speaker 1: that I have not seen. I haven't been to the 452 00:20:09,119 --> 00:20:11,119 Speaker 1: sand dunes like you have. You've mentioned that before, and 453 00:20:11,119 --> 00:20:13,399 Speaker 1: I'm going to check those out here in the US. 454 00:20:13,560 --> 00:20:15,760 Speaker 1: There's something so different about driving a Nissan Leaf and 455 00:20:15,840 --> 00:20:19,240 Speaker 1: driving at long air stream or something like that. You know, 456 00:20:19,240 --> 00:20:21,800 Speaker 1: I'm pulling that behind a truck. But no, I love 457 00:20:21,840 --> 00:20:23,919 Speaker 1: the idea of of getting away for a couple of 458 00:20:23,960 --> 00:20:26,760 Speaker 1: months and exploring this country because there really is. I mean, 459 00:20:26,800 --> 00:20:28,919 Speaker 1: I know a lot of people want to explore the world, 460 00:20:28,920 --> 00:20:30,760 Speaker 1: and there's so many great places to go, and flights 461 00:20:30,800 --> 00:20:34,080 Speaker 1: have gotten so much cheaper, But man our our own country, 462 00:20:34,240 --> 00:20:36,120 Speaker 1: there's so much to explore. There's so much to see 463 00:20:36,200 --> 00:20:39,439 Speaker 1: just inside of our fifty states, and getting away in 464 00:20:39,440 --> 00:20:41,919 Speaker 1: an RV allows you for that potential to see everything, 465 00:20:41,960 --> 00:20:44,160 Speaker 1: but also actually you work too while you're doing it, 466 00:20:44,320 --> 00:20:46,080 Speaker 1: And so yeah, I think that there's definitely be more 467 00:20:46,080 --> 00:20:48,640 Speaker 1: and more people kind of taking this direction post pandemic. 468 00:20:48,760 --> 00:20:51,080 Speaker 1: It definitely sounds pretty cool, and the fact is that 469 00:20:51,359 --> 00:20:54,120 Speaker 1: it probably isn't in the cards for most folks. So 470 00:20:54,240 --> 00:20:56,639 Speaker 1: for those folks, we would continue to encourage you to 471 00:20:56,680 --> 00:20:58,720 Speaker 1: push for you know, the ability to work from home, 472 00:20:59,160 --> 00:21:01,439 Speaker 1: and you know, if we're from home, isn't a possibility 473 00:21:01,440 --> 00:21:03,800 Speaker 1: for you given the type of work that you do. 474 00:21:04,000 --> 00:21:06,160 Speaker 1: Please continue to to make sure that you're you're being safe, 475 00:21:06,160 --> 00:21:08,359 Speaker 1: that you're taking the proper health precautions, that you're washing 476 00:21:08,400 --> 00:21:11,400 Speaker 1: your hands, wearing your mask. There is a lot going 477 00:21:11,440 --> 00:21:13,920 Speaker 1: on in our country right now, and I feel that 478 00:21:13,960 --> 00:21:16,800 Speaker 1: we've seen less about COVID nineteen in the headlines. It's 479 00:21:16,800 --> 00:21:19,640 Speaker 1: something that our entire world is still currently dealing with 480 00:21:19,920 --> 00:21:22,920 Speaker 1: so It states reopening and businesses coming back online. Make 481 00:21:22,960 --> 00:21:25,800 Speaker 1: sure that that you're keeping your health in mind as well. 482 00:21:26,119 --> 00:21:28,280 Speaker 1: All right, Matt, that's gonna be it for today's episode. 483 00:21:28,320 --> 00:21:30,159 Speaker 1: For folks who want more information about our show and 484 00:21:30,200 --> 00:21:33,040 Speaker 1: they want the show notes for this specific episode, well 485 00:21:33,119 --> 00:21:35,040 Speaker 1: you can go to our website at how to money 486 00:21:35,080 --> 00:21:37,040 Speaker 1: dot com. That's right. So, friends, we hope you'll have 487 00:21:37,040 --> 00:21:40,080 Speaker 1: a good weekend and Joel, until next time, Best friends out, 488 00:21:40,119 --> 00:21:41,200 Speaker 1: Best Friends Out.