Speaker 1: Welcome to How the Money. I'm Joel and I and
Speaker 1: that today we're discussing avoiding burnout over draft fees and
Speaker 1: getting back to work, all right, Joel. Before we dive
Speaker 1: into the stories that we want to cover today, we
Speaker 1: wanted to touch on racism and it is not something
Speaker 1: we normally talk about, but it is a serious problem
Speaker 1: in our country, and yeah, we wanted to address that today. Yeah,
Speaker 1: there are protests going on in city after city across
Speaker 1: the country, and rightly so, Matt. I mean, George Floyd
Speaker 1: was Sadly he was laid to rest on Tuesday. Matt,
Speaker 1: we were out of town. We just got back, and
Speaker 1: we feel the need because we weren't able to address
Speaker 1: it on the show last week or earlier this week,
Speaker 1: to to make our voices heard on this subject and
Speaker 1: to shine a light on racial injustice in our country. However,
Speaker 1: we can all of us out there, you and me
Speaker 1: and our listeners included. It's important to use our voices
Speaker 1: to to uplift and to help others. And Matt, typically
Speaker 1: we choose to use our voices to help people on
Speaker 1: the subject of personal finance, but but there are other
Speaker 1: ways we can use our voices to until we feel
Speaker 1: the need, we feel compelled to talk about this today,
Speaker 1: and in particular math the recent terrible injustice of police
Speaker 1: brutality like happened to to George Floyd, and that's happened
Speaker 1: to many many other African Americans in this country. The
Speaker 1: brutality or the injustice that they have experienced. It's not okay.
Speaker 1: It's absolutely one of the most important subjects that our
Speaker 1: country as a whole is facing right now. Yeah, I
Speaker 1: totally agree, man, And so you know, to that end,
Speaker 1: one of the ways that you can help is at
Speaker 1: the intersection of money and racism. We encourage you to
Speaker 1: to learn about organizations and groups that are working to
Speaker 1: end racism and also to financially support them. Joel and I.
Speaker 1: You know, you and I Man, we've both made donations
Speaker 1: to local groups here in Atlanta. And our goal isn't
Speaker 1: just to learn about these organizations just to donate and
Speaker 1: cross that off of a feel good to do list, right,
Speaker 1: but if it's to learn in order to change the
Speaker 1: way we think in the ways that we behave right,
Speaker 1: not to become just not racist, but to become anti racist.
Speaker 1: And we we feel that calling out racism is not
Speaker 1: a political thing. It's not a political topic, but in fact,
Speaker 1: it's a moral imperative that every one of us is
Speaker 1: called to Yeah, Matt, I agree with you, man, and
Speaker 1: I think yeah. We're approaching this topic from a place
Speaker 1: of feeling like we have a small platform and it's
Speaker 1: important for us to address it here and at the
Speaker 1: same time to say that that we are listening because
Speaker 1: you and I don't know the depths of the difficulties
Speaker 1: that are African American friends, or African Americans in this
Speaker 1: country in general, have had to endure. So we're gonna
Speaker 1: do our best to listen, to hear what other people
Speaker 1: have to say, to learn from their experience, and at
Speaker 1: the same time also be a part of the change
Speaker 1: in whatever way we can. Yeah, Man, that's right. Let's
Speaker 1: go ahead now and jump into our Friday flights, and
Speaker 1: this is when we talk about some of the different
Speaker 1: stories that we've come across this past week that affects
Speaker 1: each of us individually on a personal level when it
Speaker 1: comes to our personal finances. So first, let's talk up
Speaker 1: out a new law that passed Man, You and I
Speaker 1: we've talked about the p p P, the Paycheck Protection
Speaker 1: Program that was part of the Cares Act from several
Speaker 1: weeks ago, but a bill that allows for greater flexibility
Speaker 1: in spending PPP funds was signed into law last Friday.
Speaker 1: This is good news for small businesses in those employed
Speaker 1: by small businesses, as it eased the requirements on payroll
Speaker 1: expenses from s of the loan to six, so it
Speaker 1: allows a lot more flexibility on how small businesses can
Speaker 1: spend that money. And it also extended the time period
Speaker 1: to use the funds from just eight weeks to twenty
Speaker 1: four weeks. So that's pretty huge, man. Uh. And they're
Speaker 1: also calling this the p p p f A, which
Speaker 1: is the Paycheck Protection Program Flexibility Act, which totally kind
Speaker 1: of cracks me up every time I hear that, because
Speaker 1: it kind of makes me think of a performer and
Speaker 1: he's like, for my next act of flexibility to touch
Speaker 1: my toes. Yeah, I mean, it makes sense that they
Speaker 1: that they changed the law and they change the timetable
Speaker 1: in particular for small businesses, because when the bill was
Speaker 1: originally drafted, it was like, well, how long is this
Speaker 1: gonna last? Probably weeks and then you know they'll be
Speaker 1: able to rehire everyone. We'll be back to normal business
Speaker 1: as usual within two months and that just didn't work out. Right,
Speaker 1: It hasn't been the case. Businesses have been hurt for
Speaker 1: longer than that, a whole lot longer than that. And
Speaker 1: so to give businesses more flexibility with that PPP money
Speaker 1: made a lot of sense. I'm really glad that the
Speaker 1: Congress was able to fix this. Yeah, I love the
Speaker 1: flexibility that it gives small businesses. It allows them to
Speaker 1: use that money as they see fits a little more. Right,
Speaker 1: let's talk to about taking time off during a pandemic.
Speaker 1: A lot of employees are finding it difficult to take
Speaker 1: some time off and get away from work. A recent
Speaker 1: studies showed that almost half of workers fall into this category,
Speaker 1: and the study defines these folks as work martyrs. Right,
Speaker 1: that's where you want to show dedication to your job,
Speaker 1: and if you don't, if you take any time off,
Speaker 1: you feel guilty about it. And a lot of us
Speaker 1: might even be thinking, oh, that's not me. But I
Speaker 1: think this can be really subtle. Even when you feel
Speaker 1: good about taking time off and know that you should,
Speaker 1: I think there can be this kind of low grade
Speaker 1: guilt that kind of rides in the background, you know. Yeah,
Speaker 1: completely stab for vacation time usage for Americans has been
Speaker 1: pretty pitiful for a number of years. Now. I think
Speaker 1: it's even more important right now, whether you're going somewhere
Speaker 1: or not, you know where, whether you're able to get away, uh,
Speaker 1: you know, most people not willing to go on a
Speaker 1: plane right now, or whether you're willing to drive somewhere
Speaker 1: and and get out of town for a few days,
Speaker 1: or whether you're doing like a staycation but to stop
Speaker 1: doing work for a period of time to take some
Speaker 1: of those vacation days. I think for a lot of
Speaker 1: people to avoid burnout, it's even more important right now
Speaker 1: than than it is typically. And one of the most
Speaker 1: helpful points in the article that we read Matt that
Speaker 1: they highlighted was how you actually go about convincing yourself
Speaker 1: and your boss that you need this time off. And
Speaker 1: one of the ways to do this is by writing
Speaker 1: out the implications to yourself and your work. And one
Speaker 1: of the biggest reasons to do this is is burnout
Speaker 1: and burnout can lead to decrease productivity levels and it
Speaker 1: can actually affect your work in a majorly negative way.
Speaker 1: And I think right now are emotions are all more
Speaker 1: volatile for a lot of reasons. In large part COVID
Speaker 1: related and so sure that you do take time off
Speaker 1: to be able to rest and recharge and get away
Speaker 1: from your daily work is really important and I would
Speaker 1: suggest that people will take advantage and not not for sake,
Speaker 1: it just because we're kind of in an odd, new
Speaker 1: normal time. Yeah. By identifying those potential risks and those
Speaker 1: issues and being able to present that to your boss
Speaker 1: or to your work, I think you could easily convince
Speaker 1: them that hey, this is in the best interest of
Speaker 1: both of us to do this. And on a personal level,
Speaker 1: this burnout can it can lead to declines in your
Speaker 1: mental and your physical health, as well as the different
Speaker 1: critical roles that we play in important relationships in our life. Man.
Speaker 1: I know, for me, like when it comes to my
Speaker 1: physical health, if I don't take care of myself, sometimes
Speaker 1: I'll get migraines. That's something I've kind of learned over
Speaker 1: the years. I'm like, why do I get these migraines? Well,
Speaker 1: maybe once or twice a year. It's it tends to
Speaker 1: be when I'm kind of stressed. And of course relationships family, Uh,
Speaker 1: they're really important. You know. If we were to really
Speaker 1: step back and to list out the things that are
Speaker 1: important to us, those relationships and our health would easily
Speaker 1: be at the top of the list for most of us,
Speaker 1: but it's just so easy to get caught up in
Speaker 1: the achievement and earning. More So, we need to make
Speaker 1: sure that we're prioritizing time off right now. Even though
Speaker 1: it might feel, you know, even harder to do during
Speaker 1: this pandemic, chances are that it's also far more necessary
Speaker 1: to take these steps now as well. Yeah, completely agree,
Speaker 1: all right, Matt. Also, let's mention over draft fees, right.
Speaker 1: The numbers just came out and last year the large
Speaker 1: banks took over eleven billion dollars in over draft fees
Speaker 1: out of customer accounts. This was before the pandemic left
Speaker 1: so many in an even tougher financial position, and it's
Speaker 1: important to to state that we understand that this is
Speaker 1: part of how banks make money. But for our listeners,
Speaker 1: they're the kind of people that want to avoid over
Speaker 1: draft fees altogether. They don't want to be paying a
Speaker 1: pesky thirty or thirty five dollar fee if they overdraw
Speaker 1: their account, and there are so many ways to avoid
Speaker 1: this too. And what sucks to is that more than
Speaker 1: eight percent of these fees were paid by just nine
Speaker 1: percent of account holder, So it really is this small
Speaker 1: segment of the banking population that's paying a massive amount
Speaker 1: of these fees. And over draft fees at this point
Speaker 1: are completely optional, like you can opt in or you
Speaker 1: can opt out, and we would suggest you opting out.
Speaker 1: It's so much or to get that transaction declined than
Speaker 1: to have the transaction go through be able to get
Speaker 1: your three dollar coffee or your ten dollar meal, and
Speaker 1: it actually costs a whole lot more than that because
Speaker 1: you're paying an overdraft fee on top of it. So
Speaker 1: just know that you have that option that you can
Speaker 1: turn over draft protection off and that will save you
Speaker 1: just a massive amount of these fees. It's just crazy.
Speaker 1: The banks make eleven billion dollars a year on them. Yeah. Man,
Speaker 1: it's terrible that the most vulnerable are also the ones
Speaker 1: who are the hardest hit. And you know these numbers
Speaker 1: in this research is by the Center for Responsible Lending.
Speaker 1: They're working to get all the banks to stop over
Speaker 1: draft fees during the pandemic. While many banks have taken
Speaker 1: steps to work with folks on an individual level, it
Speaker 1: wou'd be amazing to see banks across the board step
Speaker 1: up and take care of their customers. So at the
Speaker 1: very least be aware of your overdraft fees and know
Speaker 1: that you can reach out as many banks are willing
Speaker 1: to work with individuals. But also know too that the
Speaker 1: Center of Responsible Lending they're working for bigger changes. They're
Speaker 1: great organization, a nonprofit, and you can even support them
Speaker 1: if you want to. Yeah, Matt, And this is to
Speaker 1: why on the show we talk about which banks you
Speaker 1: should be banking with. And there are some banks that
Speaker 1: just have terrible customer service. They want to charge you
Speaker 1: these over draft fees. They're not looking out for you
Speaker 1: at all. And if you incur these over draft fees,
Speaker 1: you might spend hours on hold to trying to get
Speaker 1: one or two of them removed, and it feels like
Speaker 1: beating your head against the wall. And so we would
Speaker 1: recommend doing business with banks that have a much harder
Speaker 1: bent towards customer service, that are not looking to try
Speaker 1: to feed or death when you do overdraft your account. Man.
Speaker 1: I remember when I first signed up with my first
Speaker 1: online banking account. It was with Capital One formerly I
Speaker 1: n G, and they would do this thing where if
Speaker 1: you took too much money out of your checking account,
Speaker 1: well they would pull it out of your same news account.
Speaker 1: But these big banks they won't they won't even do
Speaker 1: that like that, you've got the money there, but you
Speaker 1: overdrew this one account and you're gonna pay. You're gonna
Speaker 1: pay that thirty five bucks or thirty nine bucks or
Speaker 1: whatever it is. The fees are just astronomical. They're ridiculous,
Speaker 1: and it's so important to avoid them because they're their
Speaker 1: budget records. They're they're terrible for our finances. Man, that
Speaker 1: first online bank I Energy anytime you mentioned that, it
Speaker 1: really takes me back. It kind of dates us a
Speaker 1: little bit, but that that Electric Orange account was really good.
Speaker 1: Also had one of this um It's like one of
Speaker 1: the kinds, like the first of its kind. It really was.
Speaker 1: Also to estates have reopened, a lot of businesses are
Speaker 1: also beginning to reopen. In particular businesses and hospitality and
Speaker 1: retail man. I saw Dunkin Donuts. They are hiring up
Speaker 1: to workers for new positions that they're looking to fill
Speaker 1: this year, which Joel, I got an important question for you.
Speaker 1: Are you a Dunkin donutsman or Krispykreme Krispy Creme all
Speaker 1: the way? Are you yeah? And ready? Wait hot and
Speaker 1: ready I thought that was Little Caesar's. Well whatever, they've
Speaker 1: got the hot light I know they had that they
Speaker 1: had to sign once they're once they're fresh, when it's on,
Speaker 1: when they're fresh and they're hot, and there's nothing beats
Speaker 1: a krispykreame, what's the pizza thing? When they're when they're
Speaker 1: on the side of the road trying to like get
Speaker 1: you to buy them, like almost out of your car.
Speaker 1: You know what I'm talking about? I don't. I don't know.
Speaker 1: It must be Krispy cream. People to know it's pizza.
Speaker 1: Maybe it's something they only did in Athens, like on
Speaker 1: game days. Let's not get off on that tangent. We're
Speaker 1: talking about donuts here, and dude, I'm never buying a
Speaker 1: pizza at somebody's trying. Come on, that's weird. Okay, let's
Speaker 1: get back to the donuts though for some reason, I
Speaker 1: thought you were all about Dunkin Donuts though like those gross,
Speaker 1: you know, katy, crumbly dry donuts, Krispy Kreme or so
Speaker 1: much better the melt in your mouth like a marshmallow,
Speaker 1: but even better. But we're gonna talk more about jobs
Speaker 1: and what it looks like to go back to work,
Speaker 1: and we'll get to that right after the break. All right,
Speaker 1: we're back to the break. We're talking about keeting back
Speaker 1: to work and jobs. You just talked about how Dunkin
Speaker 1: Donuts hiring. Yeah, we're talking about jobs. We're not gonna
Speaker 1: talk about donuts anymore. If Chrispy Kreme was hiring, though,
Speaker 1: I'd considerate. How many donuts do you think that Krispy
Speaker 1: Creem employee is allowed to eat during a single shift?
Speaker 1: You know, any restaurant or any like bar, you're allowed
Speaker 1: like one drink, or you're allowed one entree or one
Speaker 1: meal during your shift. I'm say half dozen, that's my guest.
Speaker 1: What if every single shift you could sit down and
Speaker 1: just eat six donuts? It would not be good, be
Speaker 1: awesome for so many reasons. But but yeah, I've seen
Speaker 1: so many hirings, let's talk. I've seen so many hiring
Speaker 1: signs just driving around. It seems like the great rehire
Speaker 1: is beginning. And but before we get to that, Matt,
Speaker 1: I did want to mention one thing. As you know,
Speaker 1: maybe you have been laid off and you're looking for work,
Speaker 1: maybe you have been working from home. There are so
Speaker 1: many ways that our lives have changed. Right now, and
Speaker 1: as things are opening up, well, it's really important, I think,
Speaker 1: for us to ask kind of a bigger question about
Speaker 1: what we don't want to go back to normal. It's
Speaker 1: something Emily and I have been talking about because before
Speaker 1: we ramp everything back up to a hundred, right and
Speaker 1: and go back to living our normal lives, which which
Speaker 1: I know most of us are not ready to do
Speaker 1: right now anyway, But it's important to take this time
Speaker 1: to reflect on what we want our lives to look
Speaker 1: like as things do begin to open up. We've all
Speaker 1: had different emotional, mental, physical hardships because of COVID, but
Speaker 1: as the states are reopening, it's important for us all
Speaker 1: to be thoughtful about what we want to add back
Speaker 1: into our life, both commitment wise and in what we spend.
Speaker 1: Now might be the perfect time for us to have
Speaker 1: a more thoughtful calendar and a more intentional budget. Right.
Speaker 1: If you're out there listening and you've been able to
Speaker 1: increase your savings right during the pandemic, make it a
Speaker 1: goal to keep your savings rate high. There's just so
Speaker 1: many things that we can learn from how we've had
Speaker 1: to adapt to this pandemic, you know, in our in
Speaker 1: our personal lives and our finances, and I don't want
Speaker 1: this to be an opportunity that's just completely missed where
Speaker 1: we think of it as like a three month downturn
Speaker 1: slump changing our ways and we go straight back to
Speaker 1: normal when the economy cranks back up. Yeah. Man, that's
Speaker 1: a good word, especially regarding you know, you mentioned just
Speaker 1: the different commitments that we have. You know, you're talking
Speaker 1: about our time essentially. I know, for us personally, like
Speaker 1: we have really really enjoyed just this new pace of
Speaker 1: life where we've really slowed down, and it's caused us
Speaker 1: to realize how important it is for us to have
Speaker 1: some of this downtime. So I'm totally with you. I
Speaker 1: think we are are going to make sure that we're
Speaker 1: taking some proactive steps to make sure that we're protecting
Speaker 1: our calendar. Essentially, we're kind of guarding it a little
Speaker 1: more than maybe we used to. And so let's go
Speaker 1: ahead now shift gears to two jobs to work. A
Speaker 1: lot of folks are still without work, even though you know,
Speaker 1: it does seem that we may have turned the corner
Speaker 1: a little bit. More jobs were added than we're lost
Speaker 1: at the end of last week, which is amazing. And
Speaker 1: this caused one economist, though, to go so far as
Speaker 1: to declare the end of the recession big words. That
Speaker 1: seems incredibly premature to me, especially considering their predictions that
Speaker 1: the jobs that were lost might not ever come back.
Speaker 1: Into the National Bureau of Economic Research, just earlier this week,
Speaker 1: they just announced that we're officially in a recession. So
Speaker 1: how can you kind of end a recession before it
Speaker 1: officially even was called a recession? I guess it is
Speaker 1: all semantics and something else that's come to light as well.
Speaker 1: The Washington Post they even reported that there have been
Speaker 1: some misclassifications, uh, some errors that is making the headline
Speaker 1: unemployment rate look better than it actually is. It can
Speaker 1: be difficult to sort through some of these different contrasting headlines,
Speaker 1: but we tend to be optimistic and we're hopeful as
Speaker 1: more individuals do get back to work. Still not ready
Speaker 1: to be claire that we're out of a recession. It
Speaker 1: seems quite early to do that with all of the
Speaker 1: economic difficulty surrounding us, right, but that the topic of
Speaker 1: going back to work is another important topic we we
Speaker 1: really feel like we need to breach on the show today.
Speaker 1: It's tricky right now, and I'm seeing stories about people
Speaker 1: being nervous or scary to go back into their place
Speaker 1: of work while the virus is still taking its toll,
Speaker 1: and understandably so, right, it's scary to think about going
Speaker 1: into a customer facing job or going back into a
Speaker 1: building to to even work with your your fellow employees
Speaker 1: right now, and and most employers seem to be taking
Speaker 1: some precautions to build confidence. You know, my work in particular,
Speaker 1: MAT is requiring temperature checks and masks to be worn
Speaker 1: in the building unless you're in your office. Oh are
Speaker 1: they doing? Aren't it temperature checks or or even more awkward? No,
Speaker 1: not quite that detailed, just just the forehead. It works.
Speaker 1: It just depends on how thorough you want to be,
Speaker 1: right exactly, But yeah, I would say too. It's really
Speaker 1: important for people to know that you need to be
Speaker 1: really careful if you refuse to go back to work
Speaker 1: when your employer is attempting to bring you back. And
Speaker 1: there are stories going around that employers are firing employees
Speaker 1: who are refusing to return to work, and they're reporting
Speaker 1: them to their local departments of labor, effectively ending their
Speaker 1: unemployment benefits and putting them in an incredibly difficult position. Basically,
Speaker 1: you just lost your job and you lost your employment
Speaker 1: income that was increased. Yeah, for for the time being.
Speaker 1: And some state labor departments are setting up direct phone
Speaker 1: lines to make it easier for employers to report these
Speaker 1: employees who would prefer not to return. That's one of
Speaker 1: those things I know. There are a lot of things
Speaker 1: that we have to take into consideration. Hopefully our employers
Speaker 1: are taking proper precautions to make sure that we can
Speaker 1: return to work safely. But if you refuse to go
Speaker 1: back to work, it's just so important for us to
Speaker 1: tell you that this is the kind of thing that
Speaker 1: could happen. You're in all likelihood not going to be
Speaker 1: able to retain those unemployment benefits if you are called
Speaker 1: back and you refuse to go. Yeah. Man, employers and
Speaker 1: employees are are both navigating brand new waters. Essentially, we've
Speaker 1: never really dealt with something like this before. Uh, and
Speaker 1: these these are treacherous waters as well. But employers, you know,
Speaker 1: we think would do best to be empathetic and communicative
Speaker 1: in this time. So employers, you know, if you are listening, Uh,
Speaker 1: instead of immediately reporting your employers to the state, try
Speaker 1: talking about how you can help them to feel comfortable
Speaker 1: coming back. Talk through the precautions that you'll take, not
Speaker 1: only with your employees but with customers as well. Employer
Speaker 1: empathy and clear and open communication can go a really
Speaker 1: long way, especially right now. Yeah, man, speaking of communication,
Speaker 1: I just talked to one of my neighbors the other
Speaker 1: day and she works for a company that specifically caters
Speaker 1: to workplace break rooms. Oh, not a great business to
Speaker 1: be in right now, that's fair, but her employer has
Speaker 1: been so great about communicating the state of the company finances.
Speaker 1: She mentioned that they've told her that pay cuts are
Speaker 1: on the table, but that they're not gonna happen until
Speaker 1: at least September, and that allows her to plan now
Speaker 1: for that potential scenario. So, even though that's hard news
Speaker 1: to hear, at least she's got months of advanced warning, right.
Speaker 1: But not all employers are communicating at that level though,
Speaker 1: and pay cuts are happening more frequently right now, so
Speaker 1: so it's important to start planning for a potentially reduced
Speaker 1: income now. A pay cut in a typical economic environment
Speaker 1: is disheartening, right. Most people get really bummed if they're told, hey,
Speaker 1: you know what you were worth sixty dollars yesterday. Now
Speaker 1: you're worth start making less money. Yeah, get ready. Not cool.
Speaker 1: But right now, people seem to be taking these pay
Speaker 1: cuts in stride knowing that it's for the greater good
Speaker 1: of the company, allowing all of your fellow employees to
Speaker 1: to retain their positions for the time being. Just know
Speaker 1: that pay cuts are much more likely in today's environment,
Speaker 1: and you might not have the heads up that my
Speaker 1: neighbor got from her employer, that you got months of
Speaker 1: advanced warning. Yeah, I feel like that's rare. I feel
Speaker 1: like a lot of employers are maybe even scared to
Speaker 1: kind of share that information with their employees. Maybe they're
Speaker 1: afraid of them, kind of like looking around and seeing
Speaker 1: who else is hiring. But but I agree, man, a
Speaker 1: lot more folks are willing to take slightly less money
Speaker 1: these days in order to kind of keep the team together.
Speaker 1: Unless you just happen to be that one individual who's like, no, no, no,
Speaker 1: just fire, somebody onna get game a full salary. Well,
Speaker 1: I think most people too, are hopeful that these pay
Speaker 1: cuts are temporary exactly, and typically they will be for
Speaker 1: for a lot of these firms, like as the economy
Speaker 1: is rebounding, as business is coming back. I mean, we've
Speaker 1: seen certain things like air travel even come back faster
Speaker 1: than most people would have predicted. It's been surprising. Yeah,
Speaker 1: And because of that, I think a lot of these
Speaker 1: businesses are optimistic that these pay cuts will be temporary.
Speaker 1: And so yeah, how the money listeners already know to
Speaker 1: live on less than they make, and they are probably
Speaker 1: the best poised to be able to take a pay
Speaker 1: cut and still be able to pay all their bills
Speaker 1: on time and probably even save a little bit also.
Speaker 1: But I really do think, yeah, these pay cuts will
Speaker 1: be temporary, and it's kind of this yeah, feeling of
Speaker 1: being together. We're all in this together. We're all taking
Speaker 1: a little bit of a pay cut to keep this
Speaker 1: company going, to keep our jobs. Well, maybe if you're lucky,
Speaker 1: you can have the best of both worlds, right, You
Speaker 1: won't get a pay cut, and you know, maybe you
Speaker 1: won't even have to return to the office, potentially exposing
Speaker 1: yourself to to sickness. Evidently, more folks are not just
Speaker 1: working from home, but from anywhere. I saw that r
Speaker 1: V companies are showing profitable previous quarters. Um as more
Speaker 1: folks are hitting the road while working. And isn't that
Speaker 1: the dream, Like, I totally want to do that someday, Like,
Speaker 1: even if it's just for the summer, I would love
Speaker 1: to hit the road and like a giant RV with
Speaker 1: with all the kids, and you know, hit up all
Speaker 1: the national parks. No, it sounds great. You have a
Speaker 1: desire to do something like that one of these days. Totally. Yeah,
Speaker 1: We've talked about that for for sure. I don't think
Speaker 1: we're really in the position to do that now. No, yeah,
Speaker 1: but it does sound like this idyllic way to live. Um,
Speaker 1: although I could also see myself getting tired of it.
Speaker 1: Oh no, wait, man, not me. I feel like I
Speaker 1: could most see myself as like a truck driver. I
Speaker 1: love driving, seeing different stuff and to just seeing so
Speaker 1: much of our country. There's so much of the country
Speaker 1: that I have not seen. I haven't been to the
Speaker 1: sand dunes like you have. You've mentioned that before, and
Speaker 1: I'm going to check those out here in the US.
Speaker 1: There's something so different about driving a Nissan Leaf and
Speaker 1: driving at long air stream or something like that. You know,
Speaker 1: I'm pulling that behind a truck. But no, I love
Speaker 1: the idea of of getting away for a couple of
Speaker 1: months and exploring this country because there really is. I mean,
Speaker 1: I know a lot of people want to explore the world,
Speaker 1: and there's so many great places to go, and flights
Speaker 1: have gotten so much cheaper, But man our our own country,
Speaker 1: there's so much to explore. There's so much to see
Speaker 1: just inside of our fifty states, and getting away in
Speaker 1: an RV allows you for that potential to see everything,
Speaker 1: but also actually you work too while you're doing it,
Speaker 1: And so yeah, I think that there's definitely be more
Speaker 1: and more people kind of taking this direction post pandemic.
Speaker 1: It definitely sounds pretty cool, and the fact is that
Speaker 1: it probably isn't in the cards for most folks. So
Speaker 1: for those folks, we would continue to encourage you to
Speaker 1: push for you know, the ability to work from home,
Speaker 1: and you know, if we're from home, isn't a possibility
Speaker 1: for you given the type of work that you do.
Speaker 1: Please continue to to make sure that you're you're being safe,
Speaker 1: that you're taking the proper health precautions, that you're washing
Speaker 1: your hands, wearing your mask. There is a lot going
Speaker 1: on in our country right now, and I feel that
Speaker 1: we've seen less about COVID nineteen in the headlines. It's
Speaker 1: something that our entire world is still currently dealing with
Speaker 1: so It states reopening and businesses coming back online. Make
Speaker 1: sure that that you're keeping your health in mind as well.
Speaker 1: All right, Matt, that's gonna be it for today's episode.
Speaker 1: For folks who want more information about our show and
Speaker 1: they want the show notes for this specific episode, well
Speaker 1: you can go to our website at how to money
Speaker 1: dot com. That's right. So, friends, we hope you'll have
Speaker 1: a good weekend and Joel, until next time, Best friends out,
Speaker 1: Best Friends Out.