WEBVTT - HTM is BACK! (Video Edition) #1174 0:00:00.120 --> 0:00:03.600 Welcome to How the Money. I'm Joel and I am Matt, 0:00:03.960 --> 0:00:24.360 and we're back, baby Matt. 0:00:24.400 --> 0:00:25.760 We're in a new era, brother. 0:00:26.520 --> 0:00:30.520 So the first thing folks may have realized is that 0:00:30.600 --> 0:00:33.360 they can Okay, the first thing that we need to 0:00:33.360 --> 0:00:36.760 do is make our intro music shorter, I think, because 0:00:36.800 --> 0:00:38.639 for folks who are just listening to this, what they 0:00:38.720 --> 0:00:41.479 don't see is the fact that we are trying out 0:00:41.560 --> 0:00:45.040 video for the first time. And I guess we haven't 0:00:45.040 --> 0:00:47.720 really thought about what we're going to do while the 0:00:47.880 --> 0:00:51.560 music plays, because in the previous iterations of the show 0:00:51.720 --> 0:00:53.600 I would always add that after the fact. So this 0:00:53.680 --> 0:00:55.960 is the first time we've ever heard our music leading 0:00:56.000 --> 0:00:59.040 into the show like it's a live radio program or something. 0:00:59.120 --> 0:00:59.320 I know. 0:01:00.040 --> 0:01:03.080 Well, yeah, these dinos two dinosaur podcasters are getting with 0:01:03.120 --> 0:01:06.040 the times. We're launching video. Bear with us as we 0:01:06.120 --> 0:01:07.760 kind of figure things out. But if you like I 0:01:07.880 --> 0:01:10.960 want to see our mildly attractive faces, you can now 0:01:11.280 --> 0:01:13.039 migrate on over to YouTube. We'll put the link in 0:01:13.040 --> 0:01:15.040 the show notes on on how to Money dot com. 0:01:15.080 --> 0:01:18.560 But yeah, my mustache and it's full glory is exists. 0:01:19.040 --> 0:01:20.560 Well, folks get to see it. Can you get it? 0:01:20.560 --> 0:01:22.479 A little closer to the camera so folks can see 0:01:22.480 --> 0:01:23.920 it up close. I see what I can do. I 0:01:24.240 --> 0:01:28.240 want to be like, Yes, what a gift to people. 0:01:29.800 --> 0:01:32.679 I mean less that, less less of the eyebrow flaring. 0:01:33.920 --> 0:01:36.280 I channel that from my scene. You feel better about it. 0:01:36.319 --> 0:01:38.200 I'll be honest. I feel a little insecure because I 0:01:38.200 --> 0:01:40.399 feel like my uh what do you call the early 0:01:40.440 --> 0:01:44.800 onset gray? Something about this white. I'm set up in 0:01:44.800 --> 0:01:47.760 a very temporary spot at home as we're attempting this. Yes, 0:01:47.800 --> 0:01:50.240 and don't I look way older with I feel like 0:01:51.560 --> 0:01:54.400 back gorilla. What's that? Guys are majestic? I feel like 0:01:54.440 --> 0:01:56.840 Anderson Cooper over here with the with the white. 0:01:57.160 --> 0:02:00.880 Nobody hates Anderson Cooper's hair, Okay, like everybody thinks he 0:02:00.920 --> 0:02:03.360 looks distinguished. You're channeling the same vibe. 0:02:03.360 --> 0:02:06.800 Any any hair is uh is better than no hair? 0:02:07.040 --> 0:02:07.520 It's true? 0:02:07.720 --> 0:02:10.639 Sure, But yeah, I'm I will say. If you're looking 0:02:10.680 --> 0:02:13.560 at video, you can see the shirt that I'm wearing. 0:02:14.200 --> 0:02:18.440 Reppin on a team. Yeah, boy Norway. I'm actually thinking 0:02:18.480 --> 0:02:22.839 of renaming my my son Earling. He's almost seven years 0:02:22.840 --> 0:02:25.360 old and he's been used to being called Ezra, but 0:02:25.800 --> 0:02:26.720 he'll get used to Earling. 0:02:26.760 --> 0:02:28.240 I think you might be able to. I think he 0:02:28.240 --> 0:02:31.000 can make the change. Hey, one more sort of housekeeping 0:02:31.040 --> 0:02:32.960 thing before we go to I want folks to know. 0:02:33.400 --> 0:02:35.200 I want I think we should hear back from folks 0:02:35.280 --> 0:02:37.960 too as to whether or not like what they think 0:02:38.000 --> 0:02:40.280 we should do. As far as the video, I think 0:02:40.320 --> 0:02:44.360 some just some feedback as we attempt this here on Riverside. 0:02:44.400 --> 0:02:47.840 So yeah, yeah, for the most part, it'll probably sound 0:02:47.919 --> 0:02:50.040 like this. But like, if we're gonna do do this, 0:02:50.280 --> 0:02:52.160 I'm just I just do the iMac up in the 0:02:52.160 --> 0:02:55.720 corner of my bedroom. So this isn't long term either, 0:02:55.960 --> 0:02:58.880 But anyway, I figure out some background, we'll we'll get 0:02:58.880 --> 0:03:02.519 the quirks, yeah, and you know, worked out and we'll see. Yeah, 0:03:02.520 --> 0:03:04.400 we'll still we'll try to make it sound like you're 0:03:04.480 --> 0:03:08.120 used to but just include video along wheel as well. Yeah, 0:03:08.120 --> 0:03:09.600 people who are used to that more and more with 0:03:09.680 --> 0:03:12.079 podcasts obviously exactly, which is why we're doing it. Yeah, 0:03:12.120 --> 0:03:14.000 that's the thing. There haven't been a ton of folks 0:03:14.000 --> 0:03:16.200 who who have been clamoring for it, but I do 0:03:16.240 --> 0:03:18.840 think there are a number of folks who have not 0:03:18.919 --> 0:03:21.320 heard the how to money gospel because maybe they do 0:03:21.360 --> 0:03:24.240 all of their listening and watching over on YouTube. Yeah, 0:03:24.280 --> 0:03:27.120 and so yeah, it's then't how to money pod channel 0:03:27.440 --> 0:03:29.840 is the channel that we established, Jill, I don't know 0:03:29.840 --> 0:03:31.800 if you know, if you knew this like seven years ago, 0:03:32.200 --> 0:03:34.359 but it sat there empty and it's under our how 0:03:34.360 --> 0:03:35.640 to money pod at Gmail. 0:03:35.480 --> 0:03:37.600 Which actually he just staked our claim, put our flag 0:03:37.640 --> 0:03:39.400 in the ground and we used it. Yeah, we were 0:03:39.440 --> 0:03:44.640 just like first yeah, anyway, but I yeah, I think 0:03:44.640 --> 0:03:46.080 it's clear. I think I want to I just want 0:03:46.080 --> 0:03:47.920 to be transparent with folks. Folks are getting behind the 0:03:47.920 --> 0:03:50.640 scenes kind of look, and we've already recorded some content 0:03:50.720 --> 0:03:53.360 like you've got uh interviews where there's not going to 0:03:53.360 --> 0:03:56.560 be a video because we've we decided after that that 0:03:56.600 --> 0:03:58.240 we're gonna do this, so you're gonna see some video 0:03:58.320 --> 0:03:58.680 come in. 0:03:59.280 --> 0:03:59.520 Uh. 0:03:59.600 --> 0:04:01.920 It's gonna be inconsistent for a few weeks until we 0:04:02.040 --> 0:04:04.520 kind of get into our groove. But either way, we 0:04:04.520 --> 0:04:06.640 want to hear back from folks. Sorry to kind of 0:04:06.680 --> 0:04:09.640 backtrack a little bit and talk about some technical stuff, 0:04:09.640 --> 0:04:11.000 but sounds like you were kind of launching into what 0:04:11.040 --> 0:04:13.800 you've been up to the summer, which is rooting for 0:04:14.280 --> 0:04:18.080 Norway so much World Cup this summer for me and 0:04:18.120 --> 0:04:21.440 my family and we we just we watched a ton 0:04:21.560 --> 0:04:23.640 like that was kind of the thing. We all rallied 0:04:23.640 --> 0:04:26.520 around and like we all got into it and specifically 0:04:26.920 --> 0:04:29.719 cheer for the US obviously, but then also cheer for Norway. 0:04:29.720 --> 0:04:34.360 I think Norway captured the hearts and imagination of Americans 0:04:34.600 --> 0:04:37.960 and just like the world, Like just think of the row. 0:04:38.160 --> 0:04:40.080 Everybody got into the road, Matt. That was the thing. 0:04:41.120 --> 0:04:43.520 Yeah, you gotta love it was super exciting. 0:04:43.839 --> 0:04:46.240 I'm not gonna lie. South Korea didn't get very far, 0:04:46.440 --> 0:04:53.800 so I had to I crossed the Pacific and the Atlantic. 0:04:54.000 --> 0:04:56.240 I guess you can go the other way, crossed over 0:04:56.279 --> 0:05:00.919 the land, took the land route and joined you at Norway. 0:05:01.800 --> 0:05:03.080 There just wasn't much to see as for a South 0:05:03.120 --> 0:05:05.760 Korea goes. But yeah, yeah, yeah, do you want to 0:05:05.760 --> 0:05:07.400 share with the folks. What else you got to do? 0:05:07.480 --> 0:05:08.599 As far as the World Cup. 0:05:08.680 --> 0:05:10.400 I got to I got to go to a match 0:05:11.080 --> 0:05:14.880 and I just got it was a friend reached out 0:05:15.000 --> 0:05:18.000 and man just was like, hey, I've got I got 0:05:18.040 --> 0:05:20.400 an extra ticket. Do you want to go to the 0:05:20.440 --> 0:05:24.240 England Argentina match? And I was like do I Yeah, 0:05:24.320 --> 0:05:26.480 that'd be great. So it was man one of the 0:05:26.520 --> 0:05:28.599 greatest gifts. It was so fun to see it live 0:05:28.600 --> 0:05:30.400 and in person. You saw me on TV. 0:05:31.000 --> 0:05:34.440 Oh yeah, well that's I made the cut. I think 0:05:34.440 --> 0:05:36.560 a lot of people would have. The seats that y'all 0:05:36.600 --> 0:05:40.559 had were incredible. So if you thought you saw Joel, 0:05:41.560 --> 0:05:43.840 what's wrong? I got this? Like, wait, what's that? 0:05:43.960 --> 0:05:46.320 You can show people? This is like some little plaque 0:05:46.800 --> 0:05:48.320 from the match that they gave us. 0:05:48.360 --> 0:05:50.480 So if you're on video you can see it. It 0:05:50.560 --> 0:05:52.400 was like a little FIFA press So I love that 0:05:52.440 --> 0:05:54.000 you do a show and tell because you know what 0:05:54.040 --> 0:05:57.679 that does is the folks, that's right, the video feed. 0:05:58.160 --> 0:06:01.280 So what is that little five by five inch plaque 0:06:01.279 --> 0:06:02.320 thing that you're holding. 0:06:02.680 --> 0:06:04.800 It just kind of like has because you know, Georgia 0:06:04.800 --> 0:06:06.440 is the peach state, so it's got like a soccer 0:06:06.480 --> 0:06:08.039 a bunch of peaches all over. It's kind of an 0:06:08.080 --> 0:06:12.920 artistic like a plaque for in commemoration of that match, so. 0:06:14.040 --> 0:06:16.719 That it was like a FIFA design and collaboration with 0:06:16.720 --> 0:06:20.479 Atlanta as a host city specifically. Yeah, okay, nice. 0:06:20.680 --> 0:06:23.240 So that super fun. That was definitely one of the 0:06:23.360 --> 0:06:24.719 one of the highlights of the summer. A lot of 0:06:24.720 --> 0:06:26.760 other highlights we can talk about. You know, you and 0:06:26.839 --> 0:06:30.080 I we both did some some traveling. You celebrated July 0:06:30.160 --> 0:06:33.120 fourth in epic style. I don't think anybody could have 0:06:33.120 --> 0:06:33.600 done it better. 0:06:33.880 --> 0:06:37.479 Oh yes, maybe if you're wait, where did where was 0:06:37.520 --> 0:06:42.599 the Declaration of Independence actually written? Philadelphia? Right? Yeah? So yeah, 0:06:42.600 --> 0:06:46.919 we took the family up to Colonial Williamsburg for the 0:06:47.000 --> 0:06:49.599 fourth and we'd never been done that before and it 0:06:49.640 --> 0:06:52.080 was awesome. It was a ton of fun, so much fun. 0:06:52.360 --> 0:06:54.000 Kids got to learn a lot. I learned a lot 0:06:54.520 --> 0:06:56.839 just seeing other folks who are living the life of 0:06:57.040 --> 0:06:59.680 like I am a printer. Like the printer there, he's 0:06:59.720 --> 0:07:03.760 like pressing copies of the Declaration of Independence all July 0:07:03.880 --> 0:07:06.320 third on a two and fifty year old printing press. 0:07:06.560 --> 0:07:09.479 That's so cool. It's mind blowing. And so I don't know, 0:07:09.520 --> 0:07:13.040 my patriotic spirit was like at an all time high 0:07:13.120 --> 0:07:13.800 over the summer. 0:07:13.800 --> 0:07:15.480 But yeah, that was ask him. Did you ask that 0:07:15.520 --> 0:07:18.080 guy what his thoughts of AI are? That'd beneficent conversation 0:07:19.280 --> 0:07:20.720 or do you have to like stay in character? And 0:07:20.760 --> 0:07:23.200 he'd be like, hey, know what you're talking about. Well, 0:07:23.520 --> 0:07:27.080 you've got folks who are like interpreters like him. Where 0:07:27.200 --> 0:07:30.280 they're not like like in character the whole time, like 0:07:30.280 --> 0:07:31.880 they're doing the thing and explain it. 0:07:32.120 --> 0:07:34.360 But then you do have folks who are in character 0:07:34.440 --> 0:07:37.360 like the whole time. So you'll see Thomas Jefferson walking 0:07:37.400 --> 0:07:41.920 around and he's you know, it's it's like a like 0:07:41.960 --> 0:07:44.480 a Renaissance festival where they're like, well, what's that device 0:07:44.480 --> 0:07:47.760 you're holding their young lady, if you have your phone 0:07:47.840 --> 0:07:49.280 or something like that. No, I was gonna see the 0:07:49.280 --> 0:07:53.160 printing press guy was super cranky and evidently that's just 0:07:53.360 --> 0:07:55.160 his apt like that's just how he is. He's just 0:07:55.160 --> 0:07:58.600 real feisty. He's like peppering people with questions. He's I 0:07:58.600 --> 0:08:00.200 don't know, I think he was kind of going for 0:08:00.240 --> 0:08:04.440 the I just read this book, the Samuel Adams archetype, 0:08:04.480 --> 0:08:07.600 Like he was just uh yeah, abel kind of rabble 0:08:07.640 --> 0:08:11.560 rouser sort of type. Anyway, you know, was awesome. They 0:08:11.560 --> 0:08:14.760 do a ton of fun. What else, y'all do you 0:08:14.800 --> 0:08:16.360 want to share anything else y'all did over the summer 0:08:16.600 --> 0:08:18.880 when hiking in Shenandoah National Park, that was one of 0:08:18.880 --> 0:08:22.640 the highlights. And yeah, oh man, the. 0:08:22.520 --> 0:08:24.800 Most you want to hear what the most expensive part 0:08:24.800 --> 0:08:29.160 of our trip was. Matt oh you know what it 0:08:29.240 --> 0:08:31.520 was the emergency room visit. 0:08:31.640 --> 0:08:34.360 Oh my gosh, I was gonna say, I guess the 0:08:34.360 --> 0:08:36.480 place you stay, because lodging is always pretty. 0:08:36.600 --> 0:08:38.880 Yeah, you would think typically, but no, it's I haven't 0:08:38.880 --> 0:08:43.880 gotten the bills yet. But actually, er, we we had to. 0:08:44.000 --> 0:08:47.679 So we were in like Nowheersville, Virginia, and I'm even 0:08:47.760 --> 0:08:50.120 like looking it up because we thought my daughter she 0:08:50.280 --> 0:08:52.680 fell we were hiking. We thought she broke her wrist. 0:08:53.080 --> 0:08:55.600 Turns out she did break a bone in her wrist. Yeah, 0:08:55.640 --> 0:08:59.800 and but uh there was nowhere no urgent care to 0:08:59.800 --> 0:09:01.680 get next ray, so he had to go to the 0:09:01.960 --> 0:09:05.400 er or like drive hours, which my wife was like no, 0:09:05.600 --> 0:09:09.480 you know, like I get that we should. She was 0:09:09.520 --> 0:09:11.400 like no, we're just gonna go. I was like, okay, 0:09:11.400 --> 0:09:13.480 that's fine. So I mean that's going to be the 0:09:13.480 --> 0:09:15.960 most expensive part of our trip, and I will see 0:09:16.280 --> 0:09:19.160 you know how I can negotiate with the hospital on 0:09:19.520 --> 0:09:20.080 the back end. 0:09:20.120 --> 0:09:22.800 It's it's never never paid the first bill, jool never paid. 0:09:23.320 --> 0:09:25.840 Oh you didn't pull this podcast called had the money before? 0:09:25.880 --> 0:09:27.440 Oh my gosh, you should have made her. Did you 0:09:27.440 --> 0:09:29.760 see the story about the guy that impaled himself on 0:09:29.800 --> 0:09:33.000 his hiking pole. Yes, did you see the photos? Yes? 0:09:33.400 --> 0:09:36.520 And he had ten miles. 0:09:35.480 --> 0:09:38.440 So, but what the reason he said that he did 0:09:39.480 --> 0:09:42.760 his So he's with buddies. He wasn't hiking solo, and 0:09:42.800 --> 0:09:45.640 it was evidently some massive hike and yeah, he was 0:09:45.679 --> 0:09:49.440 ten miles ten miles out and his buddies were like, dude, 0:09:49.440 --> 0:09:51.520 we need to like airlift you, and he was just 0:09:51.559 --> 0:09:53.520 like I think I guess he was a nurse, like 0:09:53.559 --> 0:09:57.480 a wound nurse. He assessed himself and was like, I'm 0:09:57.480 --> 0:10:00.440 not going to pay an outrageous hell U what's the 0:10:00.520 --> 0:10:03.640 helicopter to get air vaculate here? Yeah, and so he 0:10:03.720 --> 0:10:07.920 credited the cost of what that I mean of getting 0:10:07.920 --> 0:10:09.280 a helicopter right out of there, and just been like 0:10:09.280 --> 0:10:11.320 I can handle this. I can hike. So hey, that's 0:10:11.360 --> 0:10:15.480 just like beast mode. Move right there. I'm impressed to 0:10:15.480 --> 0:10:17.280 you that he knows that, like, that's gonna be an 0:10:17.320 --> 0:10:20.280 expensive bill. Do I need to Plus, I'm sure he 0:10:20.320 --> 0:10:22.240 was just like this is gonna make an awesome story 0:10:22.320 --> 0:10:24.360 for I mean, whoever I want to tell the story to. 0:10:24.440 --> 0:10:25.000 If you see the. 0:10:24.920 --> 0:10:28.000 Picture one, you're like, oh my gosh, that's a crazy 0:10:28.000 --> 0:10:30.280 thing to go through. And then two through. 0:10:30.080 --> 0:10:34.440 His lat muscle. Yes, I couldn't, Like, it looks like 0:10:34.440 --> 0:10:38.800 ten miles like that. I don't. I don't understand. Miraculous. 0:10:38.640 --> 0:10:41.400 That's what he should have told so to, just like, hey, 0:10:42.200 --> 0:10:44.280 I heard about this guy that hike ten miles with 0:10:44.320 --> 0:10:45.439 a pole through his Torso. 0:10:46.000 --> 0:10:51.520 Yeah, yeah, well, fortunately for me, my cousin is a 0:10:51.559 --> 0:10:53.640 really gifted hand surgeon. And so when we came back here, 0:10:53.679 --> 0:10:56.760 she saw my daughter and so we've had we've had 0:10:56.760 --> 0:10:58.800 the best of care for her, and she's gonna be 0:10:58.800 --> 0:11:01.240 just fine. It's sealing up great. So, yeah, we had 0:11:01.240 --> 0:11:03.320 a great summer. And one of the ways I think 0:11:03.400 --> 0:11:05.680 we saved money to Matt, like, neither you or I 0:11:05.679 --> 0:11:07.240 got on an airplane this summer. 0:11:07.679 --> 0:11:08.800 What we did we just we drove. 0:11:08.880 --> 0:11:10.319 And I know there's a lot of talk about high 0:11:10.360 --> 0:11:13.439 gas prices, but let's be honest, what's even more expensive 0:11:14.040 --> 0:11:18.400 is airfare right now? Yeah, so driving, well you might 0:11:18.440 --> 0:11:20.079 be like, oh, I hate paying now to the extra 0:11:20.120 --> 0:11:23.400 dollar something a gallon from where things were back in 0:11:23.559 --> 0:11:27.560 early spring, it's still far better than paying these massively 0:11:27.600 --> 0:11:30.280 inflated airfare prices, especially when you're talking about taking a family. 0:11:30.480 --> 0:11:34.040 Yes, dude, one hundred percent. Like I'm pretty sure I've 0:11:34.040 --> 0:11:36.800 shared this with you as far as my overall philosophy 0:11:37.720 --> 0:11:40.080 when it comes to flying places with the kids, and like, 0:11:40.559 --> 0:11:42.840 I mean again, we've got a twelve year old, Like 0:11:42.880 --> 0:11:45.680 we have flown with the kids. We actually kind of 0:11:45.679 --> 0:11:48.240 took a specific trip just to fly because they were 0:11:48.280 --> 0:11:50.160 just sad that they had never been on a plane before. 0:11:51.559 --> 0:11:53.080 It wasn't like we just lew somewhere and food back 0:11:53.200 --> 0:11:54.520 like it was an actual trip. We were just going 0:11:54.559 --> 0:11:57.240 for like a joy ride. But that being said, my 0:11:57.320 --> 0:11:59.880 general philosophy is that, especially when the kids are younger, 0:12:00.440 --> 0:12:03.040 like we are going to start near where we live 0:12:03.200 --> 0:12:07.520 and then to slowly branch out because early on Kate 0:12:07.679 --> 0:12:09.000 was like, oh, I don't know, it'd be really fun 0:12:09.000 --> 0:12:12.040 to take them to Europe, the cultural experience, the memories, 0:12:12.080 --> 0:12:15.320 and I'm just like, yeah, babe, that's crazy expensive and 0:12:15.720 --> 0:12:19.200 ay and we wait five, six, seven years to do this, 0:12:19.280 --> 0:12:21.800 We're gonna have more money to be able to afford 0:12:21.800 --> 0:12:26.120 these trips because of compounding and investing, right, so it'll 0:12:26.120 --> 0:12:28.440 be less of a hit to us personally, like when 0:12:28.520 --> 0:12:30.599 we decide to pull the trigger, but be from like 0:12:30.640 --> 0:12:33.120 a percentage of your net worth perspective, yes, exactly, But 0:12:33.160 --> 0:12:36.200 then be the ability for them to appreciate what it 0:12:36.280 --> 0:12:38.640 is that we're doing and taking in the cultural sites. 0:12:38.679 --> 0:12:40.920 It's like, I'm not going to fly all a young 0:12:40.960 --> 0:12:43.600 family of family with young kids to Paris or to 0:12:43.800 --> 0:12:48.000 Rome just to eat gelato, like we can we can 0:12:48.080 --> 0:12:51.040 do that locally, right and so, and a big part 0:12:51.040 --> 0:12:53.199 of that, like you said, is hitting up places that 0:12:53.240 --> 0:12:56.440 you can drive to, but just stateside generally speaking. But 0:12:56.480 --> 0:12:59.240 we'll see. I've got my eyeset on some like more 0:12:59.240 --> 0:13:03.480 West coast travel next summer, and that might be I 0:13:03.559 --> 0:13:06.679 don't want to spend two days two days driving in 0:13:06.760 --> 0:13:09.360 the van in order to get the family. It's like 0:13:09.440 --> 0:13:11.679 Yellowstone or something like that. You know, like that, Yeah, 0:13:11.880 --> 0:13:14.120 that's a long trip. That's why I'm just like, oh, geez, okay, 0:13:14.360 --> 0:13:15.840 is this going to be the beginning of the era 0:13:15.960 --> 0:13:18.320 where we are going to fly to go to go spots. 0:13:18.360 --> 0:13:20.440 But I think one of the one of the other 0:13:20.520 --> 0:13:22.800 money saving things. I know you do this really well, 0:13:22.960 --> 0:13:24.880 and and this is this is something that whenever you're 0:13:24.880 --> 0:13:26.440 planning a trip, this is something we think. 0:13:26.320 --> 0:13:26.880 About a lot. 0:13:27.160 --> 0:13:29.079 One of the biggest costs now and I think this 0:13:29.160 --> 0:13:32.400 is like part enjoyment is to go out to eat right, Like, hey, 0:13:32.440 --> 0:13:34.560 we're visiting this place, let's go out to a restaurant 0:13:34.640 --> 0:13:37.080 or two that we enjoy. And there's nothing wrong with that. 0:13:37.480 --> 0:13:40.520 But I was shocked at everyone we met. So we 0:13:40.559 --> 0:13:42.560 took a family beat trip together like we always do, 0:13:42.679 --> 0:13:45.280 like your family, my family. Yep, we didn't eat out once. 0:13:45.679 --> 0:13:48.439 We know rarely, if ever, eat out right when we're 0:13:48.480 --> 0:13:50.840 on these trips and we're doing I don't think we 0:13:50.880 --> 0:13:53.520 ever have on the like a couple of years, even 0:13:53.640 --> 0:13:56.640 like barbecue to take to take that, we got the 0:13:56.679 --> 0:13:58.880 barbecue to go on the first night because we couldn't 0:13:58.920 --> 0:14:02.720 get in until later. But like I too, so a 0:14:02.840 --> 0:14:05.240 we didn't mention the fact that we did the typical 0:14:05.360 --> 0:14:09.400 family the how to money family beach trip, which is 0:14:09.480 --> 0:14:12.040 you know, so much stinking fun. It's also yeah, it's 0:14:12.040 --> 0:14:12.360 just great. 0:14:12.400 --> 0:14:15.120 I love it. Uh but uh but yeah, we always 0:14:15.120 --> 0:14:17.200 cook at home. And like you said, we were talking 0:14:17.200 --> 0:14:19.000 to other families, you know, like meet folks out on 0:14:19.000 --> 0:14:21.200 the beach and stuff, and they're like, oh, it's like 0:14:21.200 --> 0:14:24.160 one of the first questions they ask, what do you 0:14:25.600 --> 0:14:27.560 And I'm just like wait, what, Wow, we don't We 0:14:27.600 --> 0:14:28.440 don't at all do that. 0:14:29.320 --> 0:14:32.760 I didn't even know those restaurants existed, except for maybe 0:14:32.760 --> 0:14:34.840 on our runs we'll well, we'll run by them and 0:14:34.920 --> 0:14:36.400 we'll be like, oh, that that's what that was they 0:14:36.440 --> 0:14:37.000 were talking about. 0:14:37.040 --> 0:14:39.040 There's there. I will say, there's a distinction, okay, And 0:14:39.040 --> 0:14:40.960 so I don't want to drag So there's a difference 0:14:40.960 --> 0:14:42.840 between going on a road trip where you're seeing a 0:14:42.920 --> 0:14:45.920 lot of sights in your schedules pretty packed. We're not 0:14:45.960 --> 0:14:48.240 doing much cooking on those trips, although for the most part, 0:14:48.240 --> 0:14:50.760 we do try to start the day with the eggs, 0:14:51.120 --> 0:14:53.200 Like if you're staying at staying at an airbnb, eggs 0:14:53.200 --> 0:14:55.120 and toast at home start the day of some you know, 0:14:55.200 --> 0:15:00.160 a nice meal. That way so stinking affordable. I'm we're 0:15:00.160 --> 0:15:02.240 not going to go through all that because every minute, 0:15:02.280 --> 0:15:05.160 every hour is so valuable. Like wherever we're visiting on 0:15:05.200 --> 0:15:07.480 the road trip, right, guess what we're doing at the 0:15:07.520 --> 0:15:09.480 beach all day, We're just like sitting on our butts 0:15:09.840 --> 0:15:12.400 and so like the beach is the perfect time to 0:15:12.520 --> 0:15:16.880 save money by cooking at home, And yeah, I'm with you, man, 0:15:16.880 --> 0:15:18.040 a lot of butt sitting. 0:15:18.360 --> 0:15:21.200 Yeah, so you take advantage of the kitchen and man, 0:15:21.400 --> 0:15:23.760 your your wife and picular made some delicious meals. 0:15:23.760 --> 0:15:27.200 So I am fortunate to be married to her for 0:15:27.240 --> 0:15:31.280 many reasons, and you are fortunate to be her friend. Yes, hey, dude, no, 0:15:31.400 --> 0:15:34.040 Emily's chicken pop pie was mind blowing as well. She 0:15:34.400 --> 0:15:36.000 did that ahead of time, brought it up. 0:15:36.000 --> 0:15:37.960 But yeah, there's just the whole how you smoked some 0:15:38.000 --> 0:15:40.000 pork some pork butts ahead of time. So yeah, that 0:15:40.080 --> 0:15:41.920 was We pre planned some of this stuff. And sometimes 0:15:41.920 --> 0:15:43.520 it makes it easier if you like pre cook some 0:15:43.560 --> 0:15:45.760 things and bring them down with you, transport them in 0:15:45.760 --> 0:15:48.720 a cooler. It's so easy. Yeah, it's frugal, it's easy. 0:15:48.720 --> 0:15:50.640 It makes her you know, especially when you're feeding eleven 0:15:50.640 --> 0:15:54.040 people versus just taking necessity. Yes, yeah, versus just the 0:15:54.360 --> 0:15:55.920 default of going going out. 0:15:55.960 --> 0:15:58.040 Dude. I was just talking to a friend and they're 0:15:58.080 --> 0:16:00.000 like it was like in the evening, after dinner time. 0:16:00.000 --> 0:16:02.320 I mean they were saying, hey, let's uh, let's go 0:16:02.320 --> 0:16:04.240 to a dairy queen, like get it, get ice cream. 0:16:04.640 --> 0:16:08.560 I was like, okay, that's that's fun. And I'm going 0:16:08.600 --> 0:16:10.520 through my head thinking, well, we got ice cream back 0:16:10.520 --> 0:16:15.400 at home, and so it's I don't know for some 0:16:15.440 --> 0:16:18.480 people they love going out, but man, it's it is 0:16:18.520 --> 0:16:21.520 definitely not my default reaction as opposed to, how can 0:16:21.560 --> 0:16:23.920 I do this more affordably and get just as much enjoyment, 0:16:23.960 --> 0:16:27.080 if not better enjoyment. Because okay, here here's a news update. 0:16:27.120 --> 0:16:29.200 Here's something from over the summer that we haven't talked about. 0:16:29.680 --> 0:16:33.720 Wirecutter did a They ranked all the best store bought 0:16:33.720 --> 0:16:36.760 ice cream that you that you can get, and guess 0:16:37.680 --> 0:16:39.880 what was very close to the top, if not one 0:16:39.880 --> 0:16:40.640 of the top spots. 0:16:40.720 --> 0:16:42.480 I know, I know what you're gonna say, because it's 0:16:42.480 --> 0:16:44.320 the one you get, isn't It's the Aldi Premium. 0:16:44.400 --> 0:16:47.520 It's finally got some recognition. I've been saying this for years, 0:16:47.560 --> 0:16:49.520 the Aldi. So I don't think it took the very 0:16:49.560 --> 0:16:52.320 top spot. It was like some faincy expensive brand. But 0:16:52.320 --> 0:16:55.240 the very next yeah yeah yeah, but the very next 0:16:55.280 --> 0:16:58.000 one was the Aldi Premium ice cream. It's the black 0:16:58.040 --> 0:17:03.200 box Vinilla. It's only got five ingredients. And I'm just 0:17:03.240 --> 0:17:06.120 glad that the folks over a Wirecutter have finally realized 0:17:06.280 --> 0:17:09.080 what I've been shouting from the mountaintops, especially with the 0:17:09.080 --> 0:17:11.720 Affigato by the way, you know, you know how good 0:17:11.760 --> 0:17:13.160 that that junk is for. 0:17:13.080 --> 0:17:15.680 Real man, which I know you've been you've been affigato 0:17:15.760 --> 0:17:16.720 maxing as the Yellen. 0:17:18.240 --> 0:17:20.680 All right, you want to hit a few more topics 0:17:20.680 --> 0:17:22.800 here before we take a quick break. Yeah, let's do 0:17:22.920 --> 0:17:26.080 more of the clock now, because I see the clock ticking. 0:17:26.760 --> 0:17:28.400 I think the video thing is gonna do a lot 0:17:28.400 --> 0:17:30.439 for us if we can stay on topic, if we 0:17:30.440 --> 0:17:32.480 can stay on time. But this is the first one back, 0:17:32.480 --> 0:17:34.119 so I feel like we'vest a lot that we're just 0:17:34.160 --> 0:17:34.600 thinking of. 0:17:34.960 --> 0:17:37.040 And I will say normally, this is an ask Team 0:17:37.040 --> 0:17:39.520 episode and we will take one questionion towards the end 0:17:39.560 --> 0:17:41.399 it we'll take next Monday kind of be back to 0:17:41.560 --> 0:17:42.280 normal format. 0:17:43.119 --> 0:17:45.080 But regular programming is what they say in the industry, 0:17:45.119 --> 0:17:49.000 gual regular program One of the things we we haven't done, 0:17:49.000 --> 0:17:51.760 Matt is seen the Odyssey, and we have it. But 0:17:51.840 --> 0:17:54.200 we're going. But we're going because you got us tickets, 0:17:54.200 --> 0:17:58.320 which I'm so yesterday, because there's twenty one theaters in 0:17:58.359 --> 0:18:01.040 the whole country that have like the full IMAX experience 0:18:01.240 --> 0:18:03.520 and they've been a millimeter screen yeah, and they've been 0:18:03.560 --> 0:18:06.800 crazy sold out. Even if you like wanted to go 0:18:06.840 --> 0:18:08.960 to one that wasn't sold out. I was looking the 0:18:09.040 --> 0:18:11.159 seats were there's like three seats and they're in the 0:18:11.200 --> 0:18:13.160 worst part of the theater, so front row, far right, 0:18:13.200 --> 0:18:15.600 and it's like, yeah, you don't want to sit there exactly. 0:18:15.960 --> 0:18:18.639 So we finally got decent tickets, but we're not going 0:18:18.680 --> 0:18:23.560 for another like three weeks. Yeah, weeks. Because I happened 0:18:23.560 --> 0:18:25.560 to check it and I saw that. I was like, 0:18:25.600 --> 0:18:28.080 oh my gosh, they did another drop or something like that. 0:18:28.080 --> 0:18:30.560 So that's what. Yeah, I fired off the text, I 0:18:30.560 --> 0:18:30.879 can't wait. 0:18:30.920 --> 0:18:32.639 We're gon drive forty five minutes to see this, but 0:18:32.680 --> 0:18:35.600 I saw that some people were driving and taking buses 0:18:35.640 --> 0:18:38.840 and going, you know, taking hours to migrate to see 0:18:38.840 --> 0:18:40.720 the Odyssey in its full imax glory. 0:18:40.960 --> 0:18:42.720 Yeah. Well, I think it's going to be worth it. 0:18:42.720 --> 0:18:44.200 And this is something we talked about over the beach 0:18:44.200 --> 0:18:46.280 as we're debating it. If I'm going to go out 0:18:46.320 --> 0:18:49.160 and see a movie, I'm looking for a premium, premium 0:18:49.160 --> 0:18:52.280 experience because there's you can do so much great stuff 0:18:52.320 --> 0:18:54.800 at home. Right, let's go back to the ice cream analogy. 0:18:55.440 --> 0:18:57.439 I can make a pretty dang good ice cream Sunday 0:18:57.480 --> 0:18:59.320 at home. I can pull a really great off. I 0:18:59.320 --> 0:19:01.560 gatto you come, we're doing it super cheap. If I'm 0:19:01.560 --> 0:19:03.719 want to go out somewhere to get ice cream, it 0:19:03.760 --> 0:19:05.639 needs to be like the best ice cream that the 0:19:05.680 --> 0:19:08.640 world makes. It's such, it needs to be some fanciful 0:19:08.680 --> 0:19:11.520 Jenny's flavor that you couldn't concoct at home exactly. And 0:19:11.560 --> 0:19:13.760 in a similar way when it comes to movies, like 0:19:13.840 --> 0:19:16.840 everybody's got flat screens now, like everyone's got a pretty 0:19:16.840 --> 0:19:19.119 decent home setup and they can stream movies, and so 0:19:19.359 --> 0:19:21.080 I guess if you don't want to wait, that's why 0:19:21.080 --> 0:19:23.879 people are going out. But otherwise, if I'm going to 0:19:23.880 --> 0:19:25.520 actually spend the money to go up, I want to. 0:19:25.680 --> 0:19:28.480 I want to see it like Christopher Nolan intended, you know, 0:19:28.520 --> 0:19:32.439 in the full seventy millimeter Glory. So that's what I'm. 0:19:32.280 --> 0:19:34.040 Excited, and I think it's worth the wait, and it's 0:19:34.080 --> 0:19:35.960 worth probably. I haven't even asked you how much you 0:19:36.000 --> 0:19:37.880 spent on those tickets, but I'm guessing they're like three 0:19:38.040 --> 0:19:39.720 x what we normally spend on going to the movies. 0:19:40.119 --> 0:19:44.040 So let me it's not actually all that much more. Really, 0:19:44.080 --> 0:19:46.960 I was like it was gonna be like twenty five bucks. Wait, 0:19:47.200 --> 0:19:49.040 isn't that what tickets normally cost twenty five. 0:19:49.800 --> 0:19:51.399 Not at the theater we normally go to, it's like 0:19:51.960 --> 0:19:54.399 eight fifty. Oh okay, I don't know why we have 0:19:54.480 --> 0:19:56.560 like nineteen sixties throwback pricing on our movie. 0:19:56.359 --> 0:19:58.560 Theater, but we do. Wait, I can't find the email 0:20:00.160 --> 0:20:02.560 I want to say. It was thirty is either thirty 0:20:02.560 --> 0:20:06.159 four dollars or forty three dollars a piece a piece, 0:20:07.000 --> 0:20:10.680 so yes, it was. It's better be worth a splurge. 0:20:10.680 --> 0:20:12.960 But yeah, that's the thing I want it to be. Like, 0:20:13.000 --> 0:20:16.040 I am one hundred percent willing to pay that. And 0:20:16.080 --> 0:20:18.360 then we go see a movie theater in the theaters 0:20:18.440 --> 0:20:20.679 what like once a year. Yeah, I never, I never 0:20:20.720 --> 0:20:22.440 go to see movies. This will be worth it. It'll be 0:20:22.520 --> 0:20:24.840 worth it. And this is the perfect movie too, because 0:20:24.840 --> 0:20:27.520 you're not getting spoilers because uh no, everyone. 0:20:27.240 --> 0:20:30.600 Knows the story, like it's like the Titanic. You're like, 0:20:30.720 --> 0:20:33.479 what's gonna happen? Yeah, exactly, all right? 0:20:33.640 --> 0:20:34.239 What else you got? 0:20:35.080 --> 0:20:35.199 Uh? 0:20:35.320 --> 0:20:35.520 Oh? 0:20:35.720 --> 0:20:38.119 I saw the average Date Night for some reason. It 0:20:38.240 --> 0:20:40.800 cost one hundred and eighty nine dollars now, and so 0:20:41.280 --> 0:20:42.760 what I was glad to see this was there was 0:20:42.760 --> 0:20:45.600 a Wall Street Journal article about this that people are 0:20:45.720 --> 0:20:49.280 taking more extreme measures to make their dates cost a 0:20:49.320 --> 0:20:51.560 lot less, like when they want to hang out. Man, 0:20:51.600 --> 0:20:53.400 it makes me think I'm gonna go like a little 0:20:53.480 --> 0:20:57.199 nostalgic here, my my buddy. Billy Strings. One of the 0:20:57.200 --> 0:20:58.800 lines in one of his songs says, she loved the 0:20:58.840 --> 0:21:00.680 things I bought her when I didn't have a dime. 0:21:00.960 --> 0:21:04.720 And I think sometimes the best things in a relationship 0:21:04.720 --> 0:21:06.959 are not the most costly things. They're just the ones 0:21:07.080 --> 0:21:09.920 that you put electra, time, intention, and effort into a 0:21:09.960 --> 0:21:12.359 million nine. Yeah, Emily and I've been doing. One of 0:21:12.359 --> 0:21:14.560 the things we've been really enjoying lately is going on 0:21:14.640 --> 0:21:18.680 longer bike rides together and love it. It costs essentially nothing. 0:21:18.680 --> 0:21:20.520 We've already got the bikes. We just we drive out 0:21:20.560 --> 0:21:22.440 to this trail that we can, you know, take a 0:21:22.480 --> 0:21:25.119 twenty five to thirty mile bike ride on, and we 0:21:25.160 --> 0:21:27.000 have this lovely time together. We're able to chit chat 0:21:27.000 --> 0:21:29.520 where in nature. There's all these ways. I think it's Yeah, 0:21:29.680 --> 0:21:31.440 if the average date and night costs one hundred and 0:21:31.440 --> 0:21:34.520 eighty nine dollars one, that's ridiculous. It's okay to spend 0:21:34.520 --> 0:21:36.679 that much on a date on occasion. But if that's average, Like, 0:21:36.880 --> 0:21:39.439 that's absurd, and you have I think too high of 0:21:39.480 --> 0:21:42.360 standards for what a date should entail. And there's all 0:21:42.400 --> 0:21:45.719 these ways to be intentional when you're dating, whether it's 0:21:45.760 --> 0:21:48.080 someone you're married to or you're not married to, that 0:21:49.040 --> 0:21:51.680 don't have to run the bill up nearly that high. 0:21:51.840 --> 0:21:54.119 Yeah, that's true, although occasionally you do want to go 0:21:54.119 --> 0:21:58.200 out for a fancy dinner and in those cases sometimes 0:21:58.240 --> 0:22:00.359 I mean, I'll be honest, that can be the average. 0:22:00.400 --> 0:22:03.640 It's not the average date night exactly. Yeah. I think 0:22:03.680 --> 0:22:05.600 about the really nice restaurant we love to go to 0:22:05.680 --> 0:22:08.080 and I'm like, we're dropping more than one hundred and 0:22:08.080 --> 0:22:10.879 eighty nine bucks, but all of our our other date 0:22:11.000 --> 0:22:14.199 nights are costing a whole lot less. It makes me so, 0:22:14.240 --> 0:22:16.720 this makes me think of did you see the stats 0:22:16.720 --> 0:22:20.639 on sports gambling? Talk about entertainment and just how dose 0:22:20.680 --> 0:22:24.560 people are spending money, and I saw the ridiculous stat 0:22:24.640 --> 0:22:27.879 of that. I think it was in the US alone 0:22:28.040 --> 0:22:30.520 last year and the past year that we've spent over 0:22:30.640 --> 0:22:34.200 one hundred and sixty five billion dollars on sports betting 0:22:35.960 --> 0:22:40.080 just that alone, which is more than like all other 0:22:40.119 --> 0:22:42.600 forms of entertainment combined. Essentially which is mind blowing. 0:22:43.160 --> 0:22:45.160 That was because, like I think, sometimes numbers get lost 0:22:45.160 --> 0:22:46.880 on us, right, like one hundred sixty five billion, hundred 0:22:46.920 --> 0:22:50.080 sixty five billion, that's that's a ton of money. But 0:22:50.200 --> 0:22:53.800 to think that it's more than people spend on like movies, books, concerts, 0:22:53.840 --> 0:22:57.640 sports tickets combined in a single year, that's how big 0:22:57.680 --> 0:23:01.639 this industry has gotten. And I I don't think we 0:23:01.680 --> 0:23:03.720 probably have different views on whether or not it's good 0:23:03.720 --> 0:23:06.439 for society or should people be allowed to do this, 0:23:06.800 --> 0:23:10.600 But I think if this is something that you know 0:23:10.840 --> 0:23:13.760 your friends are involved in, or you found yourself doing 0:23:13.760 --> 0:23:16.080 too much, man, just maybe go back and look at 0:23:16.080 --> 0:23:17.720 the past year and say how much did I actually 0:23:17.720 --> 0:23:20.479 spend on this? Because maybe you're not realizing how much 0:23:20.560 --> 0:23:22.920 money you've actually lost, because it's really easy to think 0:23:22.920 --> 0:23:24.720 about this couple of times you won maybe a big 0:23:24.760 --> 0:23:27.040 sum on a random bet that you made, but all 0:23:27.080 --> 0:23:29.959 those losses add up over time too, So go back 0:23:30.000 --> 0:23:32.920 and actually look at the facts. Because and for a 0:23:32.960 --> 0:23:35.399 lot of people, like they find themselves getting addicted to it, Matt, right, 0:23:35.480 --> 0:23:39.600 And so they're spending money to gamble on sports that 0:23:39.640 --> 0:23:41.879 they don't actually have, and they're going into debt for it, 0:23:41.880 --> 0:23:43.640 and that's what worries me to see that it's gotten 0:23:43.680 --> 0:23:45.520 to be this become this big of an industry. I 0:23:45.520 --> 0:23:48.880 think it's very worrisome as someone who cares about his community, 0:23:48.960 --> 0:23:51.120 cares about the people who live around him in this nation, 0:23:51.200 --> 0:23:53.600 and doesn't want them addicted to spending money they don't 0:23:53.640 --> 0:23:56.959 have on gambling. That is just like in hopes of 0:23:57.480 --> 0:23:58.159 a quick return. 0:23:58.840 --> 0:24:02.640 Yeah, Like it just leads to more degenerate sort of behavior, right, 0:24:02.680 --> 0:24:06.959 Like there's not much good that you get out of it. Like, oh, 0:24:07.080 --> 0:24:09.080 you go to a concert, Okay, that's like an event 0:24:09.520 --> 0:24:13.159 where typically you're going with some friends and there are 0:24:13.200 --> 0:24:15.680 memories that are that are formed as opposed to bets, 0:24:15.720 --> 0:24:18.119 which just feel like the bet in and of itself 0:24:18.160 --> 0:24:20.560 is the entertainment and then it's just gone, like once 0:24:20.640 --> 0:24:24.359 that bet is, once that thing's over. But yeah, couldn't 0:24:24.359 --> 0:24:26.080 agree more. Man, All right, Hey, let's let's take it. It's 0:24:26.040 --> 0:24:27.919 we're at twenty four minutes and thirty seconds is what 0:24:27.960 --> 0:24:30.200 I see right now, So we're gonna take a quick break. 0:24:30.200 --> 0:24:33.480 We've talked about what we've done over the summer. We've 0:24:33.520 --> 0:24:35.920 talked about where the show's headed next. So I guess 0:24:35.920 --> 0:24:37.720 We've got a few more stories we'll get to, including 0:24:38.400 --> 0:24:40.040 one quick listener question. This is kind of like a 0:24:40.080 --> 0:24:42.439 catch all random episode, but we'll get to all that 0:24:42.760 --> 0:24:55.719 right after this. So I was worried that you couldn't 0:24:55.720 --> 0:24:57.520 hear the music when I first played the intro at 0:24:57.560 --> 0:24:59.000 the very beginning of the show. But that's why I 0:24:59.080 --> 0:25:00.600 was just like, films, can you hear that? And then 0:25:00.640 --> 0:25:02.600 you were dancing and I was like, Okay, he can 0:25:02.640 --> 0:25:05.200 hear it now. Sometimes I dance when there's no music, Matt, 0:25:05.240 --> 0:25:08.399 that's just me dance like no one's watching, Joel. You 0:25:08.400 --> 0:25:10.840 know something else I realized too, is that typically on 0:25:10.880 --> 0:25:13.520 Monday episodes we are sharing a beer, but with this 0:25:13.640 --> 0:25:16.960 being digital and video, what you're drinking, buddy, do you 0:25:17.000 --> 0:25:17.479 have anything? 0:25:18.119 --> 0:25:21.280 I just have my Nalgene of just water he staying hydrated. 0:25:21.400 --> 0:25:24.320 I've got I've got an iced latte that I that 0:25:24.400 --> 0:25:27.200 I pulled. I pulled a shot ports and milk over ice, 0:25:28.119 --> 0:25:31.000 and I'm drinking that right over here. So that sounds delicious. 0:25:31.000 --> 0:25:32.720 That's kind of a fun little surprise because before we 0:25:32.760 --> 0:25:35.639 would agree on what we would drink. Now, if one 0:25:35.680 --> 0:25:38.560 of us wants to crack open a crack opened a brew, 0:25:39.119 --> 0:25:42.760 it'll be a surprise. Yeah, well so much. There's so 0:25:42.760 --> 0:25:46.080 many funny potential out uh like what do you call 0:25:46.200 --> 0:25:49.000 knock on effects of doing the video thing? That are 0:25:49.000 --> 0:25:50.280 adults starting to delight me. 0:25:51.880 --> 0:25:54.840 We still have some beers the a listener recently sent in, 0:25:55.080 --> 0:25:56.320 but I think there's two of each, so we'll have 0:25:56.359 --> 0:25:56.800 to have those. 0:25:57.000 --> 0:25:59.200 Oh okay, we can, we can coordinate those. 0:26:00.119 --> 0:26:01.280 Beer is always going to be a part of what 0:26:01.320 --> 0:26:03.080 we do because we love craft beer and we love 0:26:03.160 --> 0:26:05.960 like the message that we can portray through the love 0:26:05.960 --> 0:26:06.560 of craft beer. 0:26:06.640 --> 0:26:10.240 Yes. Also on another beer note, real quick, I didn't 0:26:10.240 --> 0:26:12.040 tell you this. When we were leaving the beach with 0:26:12.080 --> 0:26:14.760 you guys, we stopped at one of your favorite breweries 0:26:14.760 --> 0:26:17.439 that I had never been to yet, Two Tides. With 0:26:17.560 --> 0:26:20.360 the Two Tides, Oh my gosh, dude, that place is awesome, 0:26:21.080 --> 0:26:24.320 so cool. It's just such a cool like I don't 0:26:24.359 --> 0:26:26.680 know you described it this way before, but like an 0:26:26.720 --> 0:26:29.399 old bungalow on top of a commercial, that's exactly what 0:26:29.440 --> 0:26:30.160 it is. It's so weird. 0:26:30.240 --> 0:26:33.159 It's like they just plopped the all the separate rooms, 0:26:33.160 --> 0:26:34.879 like you're there's a game room and there's like a 0:26:34.960 --> 0:26:38.199 room with couches that they seem differently. Yeah, yeah, anyway, 0:26:38.200 --> 0:26:40.400 and the beers are just money. The beers are so good. 0:26:40.480 --> 0:26:43.040 And well it was a perfect one too because we 0:26:43.040 --> 0:26:45.320 stopped there and there's a coffee shop. Was the coffee 0:26:45.320 --> 0:26:47.679 shop open when you were there to the off to 0:26:47.720 --> 0:26:51.439 the side, I don't remember. It's it's in the same space, 0:26:51.520 --> 0:26:54.600 and so they kind of share like one big long corner. Anyway, 0:26:54.920 --> 0:26:56.880 it's called that's the coolest part of Savannah for sure. 0:26:57.000 --> 0:26:59.120 So cool. Yeah. But they I mean, they're they're pulling 0:26:59.119 --> 0:27:01.120 really good coffee drinks too, So I'm like, uh, thank 0:27:01.119 --> 0:27:02.840 you very much. I can stop in here, Kate and 0:27:02.880 --> 0:27:05.479 I can get drinks for the road, coffee drinks, Yeah, 0:27:05.520 --> 0:27:08.480 coffee drinks for the road, and then buy a bunch 0:27:08.480 --> 0:27:11.240 of beers to take home. Win win man. I was 0:27:11.240 --> 0:27:14.560 so happy about that. Anyway, wanted to mention that before 0:27:14.600 --> 0:27:16.280 you got to the next thing you wanted to talk about. 0:27:16.359 --> 0:27:18.399 All right, well, let's talk Let's talk about apple stuff 0:27:18.440 --> 0:27:21.600 for a bit, just because like, I'm curious what percentage 0:27:21.640 --> 0:27:24.320 of Americans use apple products. Now, it's got to be 0:27:24.440 --> 0:27:27.000 like really high, probably what three quarters of Americans use, 0:27:27.080 --> 0:27:28.800 Like an apple product in some way, form or fashion. 0:27:29.160 --> 0:27:33.160 There there's a lot of talk you finally converted. I converted. 0:27:33.520 --> 0:27:35.919 I would convert back, though I'm not, like I'm not 0:27:35.960 --> 0:27:39.000 really married to them. Yeah, if I found The reason 0:27:39.040 --> 0:27:41.440 I switched. I think I've mentioned this before is that 0:27:41.560 --> 0:27:45.160 the Google Pixels became like they jacked the price up. 0:27:45.200 --> 0:27:46.960 They used to have good Google Pixel phones for like 0:27:47.000 --> 0:27:48.440 two hundred and fifty bucks, and when they jacked it 0:27:48.480 --> 0:27:50.639 up to like five hundred bucks or four to fifty 0:27:50.680 --> 0:27:52.359 or whatever it was, I was like, hmm, the price 0:27:52.400 --> 0:27:55.120 gap is not significant enough yet in the same way 0:27:55.119 --> 0:27:56.680 that it used to be. But they still have better 0:27:56.720 --> 0:27:58.320 sales sometimes on Pickles pixels. 0:27:58.359 --> 0:28:00.560 So what I go back? I think I would if 0:28:00.600 --> 0:28:02.639 the right deal came along. But I'm happy where I 0:28:02.640 --> 0:28:06.159 am too. But there there's talk about the new Apple 0:28:06.359 --> 0:28:09.400 foldable phone that's just going to raise the price point 0:28:09.520 --> 0:28:12.159 oh my gosh, in general, right like, and people are 0:28:12.200 --> 0:28:14.600 going to think they need this new thing. I'm curious 0:28:14.640 --> 0:28:16.280 to hear what you think about this and its kind 0:28:16.280 --> 0:28:19.040 of the most recent price hikes. Well oh yeah, yeah, Well, 0:28:19.040 --> 0:28:20.879 first of all, like the footable phones, I think, do 0:28:20.960 --> 0:28:22.359 I say that they are going to start at two 0:28:22.359 --> 0:28:25.440 thousand dollars, Like that's crazy, that's it makes no sense 0:28:25.480 --> 0:28:27.760 to me, Like, I don't it feels like this is 0:28:27.840 --> 0:28:30.240 a solution looking for a problem to solve, Right, It's 0:28:30.320 --> 0:28:32.439 just it's like, oh, just because we can create this 0:28:32.520 --> 0:28:36.239 foldable screen, we're gonna we're gonna make a device that 0:28:36.400 --> 0:28:38.800 includes it. Like it just doesn't make sense because phones 0:28:38.840 --> 0:28:41.640 you can stick in your pocket, right, I'm not like, oh, 0:28:41.680 --> 0:28:44.640 I wish that was smaller and but also a little 0:28:44.680 --> 0:28:47.840 bit thicker, Like it's not the direction I'm going. And 0:28:47.840 --> 0:28:49.640 then if you're looking for a bigger screen, like that's 0:28:49.680 --> 0:28:53.480 why tablets exist, like an iPad. Right, So I just 0:28:53.520 --> 0:28:56.120 don't understand who I mean. I'm sure plenty of people 0:28:56.200 --> 0:28:59.880 will buy it, but I am definitely not interested, so 0:29:00.120 --> 0:29:08.440 much so that I recently purchased a reform phone and 0:29:08.480 --> 0:29:11.440 I did not wait for the new drop of the 0:29:12.360 --> 0:29:14.480 foldable iPhones because I got I've got zero interest in 0:29:14.480 --> 0:29:15.000 that at all. 0:29:15.080 --> 0:29:18.600 So anyway, yeah, yeah, and well, and Apple is big. 0:29:18.840 --> 0:29:21.800 You know, there's this type supply of memory that is 0:29:21.880 --> 0:29:25.080 essentially the culprit behind these price sikes that Apple just announced. 0:29:25.080 --> 0:29:27.520 Because right, we talked about the new Neo laptop that 0:29:27.600 --> 0:29:30.280 Apple is putting out put out into the world, and 0:29:30.320 --> 0:29:32.720 it seems like it's a great device. And it started 0:29:32.720 --> 0:29:34.720 at what six hundred bucks, and I think even college 0:29:34.760 --> 0:29:36.520 students could get it for five hundred bucks maybe, I 0:29:36.520 --> 0:29:39.160 mean it was it's a really student id Yeah, really 0:29:39.160 --> 0:29:42.880 inexpensive solid laptop. But the price on that's going up 0:29:42.880 --> 0:29:44.960 by one hundred bucks. The price on other products that 0:29:44.960 --> 0:29:47.880 Apple cells are going up by two two fifty. Like 0:29:48.160 --> 0:29:52.120 it's it's so expensive right to buy electronics, He says, 0:29:52.160 --> 0:29:55.080 for a while, we just saw, at least in a 0:29:55.080 --> 0:29:59.360 lot of the electronics orbit prices were declining, especially when 0:29:59.360 --> 0:30:01.480 you think about something like flat screens, TVs or so 0:30:01.560 --> 0:30:04.240 much competition. Those used people used to steal those matt 0:30:04.320 --> 0:30:06.840 because they were so expensive, And now why would you 0:30:06.840 --> 0:30:08.880 steal it? Like we'll get one for one hundred and fifty bucks, 0:30:08.880 --> 0:30:11.840 Like they're not that expensive. But the we're starting with 0:30:11.920 --> 0:30:14.960 the team right like, and I think I'm hoping that 0:30:15.000 --> 0:30:17.720 this causes people to think twice before they upgrade on 0:30:17.800 --> 0:30:20.360 some sort of set schedule. Yeah, like oh yeah, I 0:30:20.400 --> 0:30:22.600 get a new laptop every two years or something like that, 0:30:22.760 --> 0:30:27.280 because one the products are often they last longer, they're 0:30:27.360 --> 0:30:30.400 they're better made. But as the cost goes up, like 0:30:30.560 --> 0:30:33.600 the price of upgrading when you don't need to just 0:30:33.880 --> 0:30:36.160 it makes it feel like less of a slam dunk 0:30:36.280 --> 0:30:38.040 and more of like maybe I should hold onto this 0:30:38.280 --> 0:30:40.200 as long as I can so that I'm not working 0:30:40.200 --> 0:30:40.600 over money. 0:30:40.600 --> 0:30:42.760 I don't need to spend Yeah, one hundred percent. And 0:30:42.840 --> 0:30:45.440 again I want to reiterate, I just kind of I 0:30:45.440 --> 0:30:47.400 want to make it a point to encourage folks to 0:30:47.400 --> 0:30:51.080 consider Apple REFERB because we so I recently got one 0:30:51.120 --> 0:30:54.200 of those, because we are sort of taking my old 0:30:54.240 --> 0:30:56.720 phone and what do you call it, matriculating it through 0:30:56.720 --> 0:30:58.720 our family, and somebody else is going to be using 0:30:58.720 --> 0:31:01.320 that one. But I'm like, wait a minute, why would 0:31:01.360 --> 0:31:05.600 somebody buy a newer phone that has like one additional speck, 0:31:05.840 --> 0:31:10.480 like one additional on paper feature as opposed to when 0:31:10.480 --> 0:31:13.920 you buy REFERB At Apple. It's a new screen, it's 0:31:13.960 --> 0:31:16.200 a new battery, it's a new shell. Like, it's a 0:31:16.200 --> 0:31:19.120 pretty new phone except for perhaps the chip, which is 0:31:19.200 --> 0:31:22.080 why the prices of all the Apple products are going up. 0:31:22.080 --> 0:31:24.440 It's because of AI. It's all the chips are going 0:31:24.480 --> 0:31:26.680 to all the like hyperscalers, just going to all these 0:31:26.680 --> 0:31:30.680 AI buildouts and they're starting to see a shortagin. It's 0:31:30.720 --> 0:31:32.880 not just Apple, like, it's going to impact all the 0:31:32.880 --> 0:31:35.400 different electronics makers. So I appreciate that you didn't say 0:31:35.440 --> 0:31:37.560 this is an Apple thing, because it's They might be 0:31:37.600 --> 0:31:39.040 the first one to approach it this way from a 0:31:39.080 --> 0:31:43.160 strategic Hey, just so you know, heads up, that's their 0:31:43.680 --> 0:31:46.080 approach as opposed to other companies who are gonna try 0:31:46.120 --> 0:31:48.440 to follow suit. But I guess nobody wants to be 0:31:48.440 --> 0:31:51.320 the initial bearer of bad news. But yeah, when the 0:31:51.360 --> 0:31:55.120 advances that you see with the phones, when they're so minuscule, 0:31:55.120 --> 0:31:59.600 it does not make sense at all to upgrade regularly, 0:32:00.040 --> 0:32:02.000 which is one of the arguments for Have you seen 0:32:02.040 --> 0:32:04.600 the the like the least program that Apple rolled out? 0:32:05.160 --> 0:32:07.800 Yeah, yeah, if it's in the video right now, gun 0:32:07.840 --> 0:32:09.880 to my head because I saw that and I was like, 0:32:10.080 --> 0:32:11.240 that's I hate that. 0:32:11.360 --> 0:32:13.920 I hate that more than I hate almost anything. Yeah, 0:32:13.960 --> 0:32:17.120 And honestly, it would have kind of made sense ten 0:32:17.200 --> 0:32:20.680 years ago, right Like, there is a big difference between 0:32:20.720 --> 0:32:24.280 the iPhone three and the iPhone four, right. Yeah, I 0:32:24.840 --> 0:32:26.760 was like an Apple fanboy. I was lining up at 0:32:26.800 --> 0:32:29.239 the mall with my buddy Steve, like we like that 0:32:29.320 --> 0:32:31.320 was I was that guy, like the guy's people waiting 0:32:31.320 --> 0:32:34.520 in line that Yeah, one percent, I was all about it. 0:32:34.880 --> 0:32:36.520 It had the class. I think that was the first 0:32:36.520 --> 0:32:36.840 one with a. 0:32:36.840 --> 0:32:39.600 Glass back, dude that with huh oh, yeah it was 0:32:39.760 --> 0:32:41.400 were you camping out like days in advance? 0:32:41.560 --> 0:32:43.560 Now we weren't that hardcore, but we were there for 0:32:43.680 --> 0:32:47.880 like yeah, the morning of But that's so far in 0:32:47.920 --> 0:32:50.240 the past now, Like, who cares, It's all the same 0:32:50.320 --> 0:32:50.880 at this point. 0:32:50.920 --> 0:32:53.000 Well, I think I saw if you want, like the 0:32:53.040 --> 0:32:57.040 newest model of iPhone, iPhone seventeen, I don't know if 0:32:57.040 --> 0:33:00.320 I think seventeen pro something like forty six dollars a 0:33:00.400 --> 0:33:05.000 month to lease it over a year. Think about you're 0:33:05.040 --> 0:33:08.760 spending five hundred and fifty something dollars right to borrow 0:33:09.160 --> 0:33:12.400 the phone for a year and then to give it back. Yeah, 0:33:12.440 --> 0:33:14.640 and like it's just as to a quick calculator on 0:33:14.720 --> 0:33:17.080 the year as well, Joel, because we're not sitting there 0:33:17.120 --> 0:33:19.360 with our antiquated paper and pen. 0:33:19.880 --> 0:33:22.080 That's right, that's right. I get another thing I'm delighted by. 0:33:22.120 --> 0:33:23.720 All right, Sorry, we're trying to be new. 0:33:23.640 --> 0:33:27.840 School, but like that's the other thing is like you're 0:33:27.880 --> 0:33:30.680 mentioning that the upgrade cycle doesn't matter as much. I 0:33:30.720 --> 0:33:32.720 think we're seeing that people are holding onto their phones longer. 0:33:33.000 --> 0:33:35.440 So this Apple getting into leasing, I think it's going 0:33:35.480 --> 0:33:37.800 to incentivize some people because it seems like the easy thing. 0:33:37.840 --> 0:33:39.960 I don't have to actually make the purchase, because forty 0:33:39.960 --> 0:33:42.800 six dollars a month sounds better than nine hundred and 0:33:42.800 --> 0:33:45.120 fifty dollars or eight hundred dollars that you might spend 0:33:45.200 --> 0:33:48.560 or six hundred dollars on the REFERB phone. But ultimately 0:33:48.600 --> 0:33:50.800 you come out ahead. If you buy the five hundred 0:33:50.800 --> 0:33:52.840 and six hundred dollars REFERB phone and you hold on to 0:33:52.920 --> 0:33:55.320 it for forty years, that's going to be a much 0:33:55.440 --> 0:33:59.120 better cost, right that you pay. But it just means 0:33:59.160 --> 0:34:02.000 working over the money up front, having that money saved, 0:34:02.360 --> 0:34:05.280 instead of taking what feels like the easy route of 0:34:05.480 --> 0:34:07.600 the lease, which is ultimately going to cost you way 0:34:07.600 --> 0:34:08.160 more over time. 0:34:08.800 --> 0:34:10.480 Yeah, I couldn't you. Just you just need to not 0:34:10.520 --> 0:34:13.200 be on the like the cutting edge, like the vanguard, right, 0:34:13.280 --> 0:34:15.680 Like if you are right there, you're constantly getting blunted 0:34:15.800 --> 0:34:19.000 and just you're taking it on the chin. Yeah, pretty 0:34:19.000 --> 0:34:22.880 regularly I was thinking, just thinking about other things we 0:34:22.960 --> 0:34:26.840 received over there, over there over the summer regarding you know, 0:34:26.960 --> 0:34:29.200 news that impacts our money. Did you get an email 0:34:29.200 --> 0:34:33.680 from uh meta share so we have health sharing, you 0:34:33.719 --> 0:34:35.160 also have it as well. Did you get did you 0:34:35.160 --> 0:34:37.520 see the email about that they're getting rid of the 0:34:37.560 --> 0:34:42.640 healthy Intensive discount? I did. Oh. I hated that. I 0:34:42.640 --> 0:34:44.319 hate that. Hey, I hate that it's going to cost 0:34:44.360 --> 0:34:47.520 us more, but also I just hate that you're removing 0:34:47.560 --> 0:34:51.319 that carrot that they're dangling in front of folks to say, hey, 0:34:51.360 --> 0:34:53.000 if you know, if you are paying a little more 0:34:53.040 --> 0:34:54.719 attention to your health, it'll cost you a little bit 0:34:54.760 --> 0:34:58.160 less because it should cost the pool overall less money. 0:34:58.960 --> 0:35:01.919 And you know, they found that it didn't really help 0:35:02.000 --> 0:35:03.640 I guess all that much. It didn't make sense. 0:35:03.920 --> 0:35:05.719 But it surprises me because I used to work for 0:35:05.719 --> 0:35:08.040 an employer and they every year they had these like 0:35:08.120 --> 0:35:10.160 health metrics, and if you hit yeah some of these 0:35:10.200 --> 0:35:14.120 health metrics, then you got a discount on your insurance, 0:35:14.160 --> 0:35:16.799 like you paid less than other people. And that makes 0:35:16.800 --> 0:35:19.520 sense to me, right that healthy people. Ultimately, here's a 0:35:19.560 --> 0:35:21.640 questions the system less. Did you have to go in 0:35:21.840 --> 0:35:24.440 and get tested in person? Do they check your blood pressure. 0:35:24.520 --> 0:35:25.400 See that's the difference. 0:35:25.400 --> 0:35:28.560 And it's self reported, and I think there's a bunch 0:35:28.600 --> 0:35:30.640 of folks who are just kind of like, ah, it's 0:35:30.680 --> 0:35:31.279 close enough. 0:35:32.719 --> 0:35:35.880 Ouch, oh my my wist circumference is yeah, is it 0:35:35.960 --> 0:35:36.880 under thirty six cents? 0:35:37.000 --> 0:35:39.719 Yeah? Yeah, yeah, yeah it is. Yeah, that's yeah. It 0:35:39.920 --> 0:35:43.160 was like, uh, honey, you haven't worn a size thirty 0:35:43.200 --> 0:35:47.560 one since college? All right, right, yeah, I was zoned 0:35:47.600 --> 0:35:51.239 about that, you know, because that's one of the great 0:35:51.239 --> 0:35:53.040 ways that you can save when it comes as spending 0:35:53.080 --> 0:35:54.560 a little bit less on healthcare. 0:35:54.200 --> 0:35:57.560 But one hundred percent Okay. So this is obviously becoming 0:35:57.920 --> 0:36:01.080 it's a hotly debated political topic in our society, but 0:36:01.120 --> 0:36:04.480 it's also just something that's impacting people's bottom lines, like 0:36:05.160 --> 0:36:07.960 right and left across the country, the cost of health insurance. 0:36:08.160 --> 0:36:10.040 And there was a new stat that said one in 0:36:10.120 --> 0:36:14.080 four Americans are staying in a job that maybe they'd 0:36:14.080 --> 0:36:18.400 otherwise prefer to leave because of health insurance. Matt it 0:36:18.440 --> 0:36:20.960 is now, it's not the pension that's the golden handcuffs. 0:36:21.120 --> 0:36:23.600 It's having access to a decent health insurance plan through 0:36:23.640 --> 0:36:26.520 your employer that's really the golden handcuffs for a lot 0:36:26.520 --> 0:36:29.080 of people. I'm curious to hear your thoughts. I mean, 0:36:29.160 --> 0:36:31.840 it makes sense, Like I think, I think that's true, 0:36:32.120 --> 0:36:34.319 but I think like there's also it feels like you're 0:36:34.320 --> 0:36:35.839 between a rock and a hard place. There's not other 0:36:35.880 --> 0:36:38.120 great alternatives for most people when they do have a 0:36:38.120 --> 0:36:40.160 great health insurance plan and they would like to go 0:36:40.200 --> 0:36:42.000 do something different, how do they make it happen? 0:36:42.160 --> 0:36:44.600 Oh, I mean, I agree that that is the difficult 0:36:44.640 --> 0:36:47.120 situation we find ourselves in. It's the state of healthcare 0:36:47.160 --> 0:36:50.640 in the United States, and like there's a real benefit there. 0:36:50.920 --> 0:36:52.759 Like we were talking recently about the guy like it 0:36:52.760 --> 0:36:55.360 maybe think about the guy at Costco. Was in the 0:36:55.440 --> 0:36:57.360 journal that profiled the guy that is like I'm a 0:36:57.400 --> 0:36:59.480 millionaire because I worked at Costco and he's been there 0:36:59.520 --> 0:37:01.080 for for deck aids and decades and he one of 0:37:01.120 --> 0:37:04.080 the things he cited was the fact that, well, the 0:37:04.120 --> 0:37:06.120 benefits are so great, and he talks about I think 0:37:06.160 --> 0:37:08.400 his wife had brain cancer and then he had some 0:37:08.480 --> 0:37:13.400 issues and they took prolonged leaves of absence from work 0:37:14.440 --> 0:37:17.000 and it's a real benefit, right, And so we talk 0:37:17.080 --> 0:37:21.400 about the overall the total compensation package that you are 0:37:21.440 --> 0:37:24.400 receiving from your employer, not obviously just your your income, 0:37:25.040 --> 0:37:27.359 not just retirement. But yeah, man, you got to look 0:37:27.400 --> 0:37:30.600 at the you gotta look at the health benefits. And 0:37:30.880 --> 0:37:32.480 with that being I mean, that was something that they 0:37:32.640 --> 0:37:35.160 that was post World War two, right post it was 0:37:35.200 --> 0:37:39.560 after then there are limits set as to how the 0:37:39.960 --> 0:37:43.399 government set as to how much additional employers could pay. 0:37:43.440 --> 0:37:44.839 So what they were trying to do is find another 0:37:44.840 --> 0:37:47.760 way to compensate their employees without actually increasing their wages. 0:37:47.800 --> 0:37:52.760 And that's when the whole workplace sponsored health care provider 0:37:53.440 --> 0:37:57.560 health care was an option for folks. And I hate 0:37:57.560 --> 0:38:00.479 that it's a thing because it does leave folks tied 0:38:00.560 --> 0:38:03.919 up the positions jobs perhaps that they want to leave, 0:38:04.440 --> 0:38:06.480 and so it just makes it which does. 0:38:06.440 --> 0:38:10.319 Prevent economic dynamism and really kind of gunks up the 0:38:10.360 --> 0:38:12.759 gears a little bit. Yeah, for the ability for someone 0:38:12.840 --> 0:38:14.560 to say, hey, I want to go start a small business, 0:38:14.760 --> 0:38:16.880 and that's the hardest leap that most of them have 0:38:16.960 --> 0:38:19.360 to figure out, right, I think there's a lot of 0:38:19.400 --> 0:38:21.279 what you can save up enough money, you can have 0:38:21.320 --> 0:38:25.040 a great idea, you can have a working prototype, you 0:38:25.040 --> 0:38:26.520 can have a business partner, you can do all these 0:38:26.560 --> 0:38:29.279 things to get the ball rolling on your business, but 0:38:29.360 --> 0:38:30.840 then you're like, how are you going to do healthcare? 0:38:31.000 --> 0:38:33.120 And so typically inside of a marriage, that means one 0:38:33.160 --> 0:38:37.239 person has the steady job, right the W two nine 0:38:37.239 --> 0:38:39.520 to five that provides the health insurance, and then the 0:38:39.560 --> 0:38:41.560 other person is able to kind of go take that leap. 0:38:41.560 --> 0:38:43.279 But what if both people want to do that, Well, 0:38:43.320 --> 0:38:47.360 then you're like trying to conjure it together. And because 0:38:47.400 --> 0:38:50.960 of how expensive things the lack of subsidies, and how 0:38:51.000 --> 0:38:53.680 expensive it's become to buy healthcare on the open market 0:38:53.719 --> 0:38:57.000 on the exchange, like people are like, yeah, even at 0:38:57.680 --> 0:39:00.400 that price point, we can't afford to do that, Like, 0:39:00.600 --> 0:39:03.640 it just doesn't it just doesn't make financial sense. We 0:39:03.760 --> 0:39:05.520 have to stick with the job. And so I just 0:39:05.600 --> 0:39:09.640 wish that there were things we could do to, you know, 0:39:09.920 --> 0:39:12.000 reduce the cost of health insurance. But part of that 0:39:12.120 --> 0:39:14.759 is we've kind of done it to ourselves as a nation. 0:39:14.840 --> 0:39:16.359 And so now people feel this is what they're calling 0:39:16.440 --> 0:39:18.800 job block. You know, something like twenty three million adults 0:39:18.840 --> 0:39:21.200 saying like, no, I am locked into this because if 0:39:21.239 --> 0:39:23.800 I tried to make another move, it's just prohibitively expensive, 0:39:23.880 --> 0:39:27.880 or I'm leaving my family exposed to a lack of 0:39:28.080 --> 0:39:30.920 health access and to just the reality that's going to 0:39:30.960 --> 0:39:32.799 cost way more just I mean, I've talked to the 0:39:32.800 --> 0:39:35.720 beginning about my daughter breaking her wrist and how expensive 0:39:35.760 --> 0:39:37.799 that's going to be for us. And my wife has 0:39:37.840 --> 0:39:39.600 a job where if she would see a few more 0:39:39.600 --> 0:39:43.200 clients every week, she could potentially get health insurance insurance, 0:39:44.719 --> 0:39:47.759 which is you put on the pressure. No, I'm not, 0:39:47.880 --> 0:39:51.239 because like what we've decided is we've got We've tried 0:39:51.280 --> 0:39:53.560 to plan and be thoughtful about this, but it has 0:39:53.600 --> 0:39:55.600 taken a lot of planning and aful lot of thoughtfulness 0:39:55.640 --> 0:39:58.439 because it's so expensive and it's such a big part 0:39:58.840 --> 0:40:02.879 of our annual spend. But I know for a lot 0:40:02.880 --> 0:40:05.160 of people, like getting to that point is really difficult. 0:40:05.160 --> 0:40:07.080 It's it's too high of a hurdle, though over can be. 0:40:07.200 --> 0:40:07.680 That's the thing. 0:40:07.760 --> 0:40:09.920 I mean, it just depends on your I think your 0:40:10.080 --> 0:40:12.560 your your personal situation, what you've got going on, because 0:40:12.560 --> 0:40:14.520 that's the I think that's the other part of it too. 0:40:14.719 --> 0:40:16.480 As you're kind of talking through it. I don't want 0:40:16.480 --> 0:40:21.600 folks to think that it's inordinately expensive, because for some 0:40:21.640 --> 0:40:23.440 folks it may not be right, and so they have 0:40:23.560 --> 0:40:27.160 in their mind that oh, it's going to cost us. Oh, 0:40:27.280 --> 0:40:28.759 I don't even know what it's going to cost us. 0:40:28.760 --> 0:40:31.320 It's going to be, you know, just like an extraordinary 0:40:31.360 --> 0:40:37.000 amount of money. I just pulled up my budget and 0:40:37.800 --> 0:40:43.399 we spent one seven and fifty two dollars last year 0:40:43.840 --> 0:40:47.279 out of pocket on medical stuff. And that's aside from 0:40:47.400 --> 0:40:50.920 our I think it's three fifty roughly three fifty is 0:40:50.920 --> 0:40:54.239 what we spend a month. So you're talking about and 0:40:54.280 --> 0:40:57.279 so that is forty two hundred plus twelve, So you're 0:40:57.280 --> 0:41:01.680 looking at what's fifty four four hundred bucks. That's not 0:41:01.680 --> 0:41:04.720 nothing if we're if we're being totally honest with the audience, 0:41:05.239 --> 0:41:09.239 you avoid medical stuff at all costs, and you like 0:41:09.280 --> 0:41:10.959 your kids don't go to the dent Like I'm about 0:41:10.960 --> 0:41:13.399 to take my kids to the dentist tomorrow and I've 0:41:13.480 --> 0:41:15.279 checked in. I know what I'm paying. But it's one 0:41:15.280 --> 0:41:16.440 of those things where we try to do it every 0:41:16.480 --> 0:41:22.600 two years. Expensive. Huh does does most healthcare include orthodontia? 0:41:23.239 --> 0:41:26.960 Usually your your employer has a dental plan as well. 0:41:28.880 --> 0:41:31.840 The dental plans are, especially if you're buying it on 0:41:31.880 --> 0:41:34.960 your own, it's very rarely worth the cost it's just 0:41:34.960 --> 0:41:37.960 worth budgeting for the work that you're going to need 0:41:38.200 --> 0:41:39.960 and if you need something really really expensive. You know, 0:41:40.000 --> 0:41:42.480 we've talked about medical tourism before as being an option 0:41:42.560 --> 0:41:45.480 that more people are taking in. But yeah, I mean, 0:41:45.840 --> 0:41:49.280 I think for a lot of you, you're you're healthy, 0:41:49.360 --> 0:41:54.000 your family's mostly healthy, but and you have catastrophic coverage 0:41:54.000 --> 0:41:56.319 if something where to happen. It's there hoping pays out 0:41:56.560 --> 0:41:59.200 in terms of medical sharing companies, but like that's a 0:41:59.239 --> 0:42:01.240 little there's definitely a little bit of hope involved. 0:42:01.239 --> 0:42:03.040 There's definitely, yeah, there's definitely a risk. Yeah, and so 0:42:03.080 --> 0:42:05.359 that I mean that was last year. The year before 0:42:05.400 --> 0:42:07.120 twenty twenty four is one thousand bucks more so we 0:42:07.120 --> 0:42:10.399 spent roughly sixty five hundred total for coverage plus out 0:42:10.400 --> 0:42:12.839 of pocket. But I will say the year before that 0:42:14.120 --> 0:42:15.880 it was a lot less. It was we were in 0:42:16.160 --> 0:42:17.960 like the four thousand. That was maybe a cheaper year 0:42:17.960 --> 0:42:19.839 where we're like, ah, maybe we don't need to go in. 0:42:20.920 --> 0:42:23.000 But I'll tell you what it does make those telehealth 0:42:23.080 --> 0:42:27.480 visits incredible because it's like a twenty five dollar like 0:42:27.560 --> 0:42:30.040 we used to get it for free. But the ability 0:42:30.320 --> 0:42:32.400 to not have to leave your home like one of 0:42:32.400 --> 0:42:36.279 our daughters deals with strip like skin infection. She just 0:42:36.320 --> 0:42:38.040 I don't know, I'm like, gosh, wash your hands more 0:42:38.120 --> 0:42:41.960 or something like some people are just carriers, right, Like, Yes, 0:42:42.040 --> 0:42:44.560 people there's a certain set of population that always have 0:42:45.239 --> 0:42:48.520 a colony of staff bacteria on their skin, and so 0:42:48.680 --> 0:42:51.040 therefore when they get injuries, they're more likely to get 0:42:51.080 --> 0:42:54.960 an infection. But even still, the ability to not have 0:42:55.000 --> 0:42:57.160 to take the time to go in person when we 0:42:57.280 --> 0:43:00.560 know exactly what it is right to avoid a local 0:43:01.440 --> 0:43:04.720 uh physician, and to do the telehealth for twenty five bucks, 0:43:04.800 --> 0:43:07.920 like right then and there and then just head up 0:43:07.920 --> 0:43:11.000 to the store to get the antibotics. That helps to 0:43:11.040 --> 0:43:13.520 alleviate that a little bit. I know, not everybody wants 0:43:13.560 --> 0:43:16.600 to do. Yeah, clutch for some things. For other things 0:43:16.760 --> 0:43:18.319 that there's there's a lot of things you call the 0:43:18.520 --> 0:43:20.719 you'll telehealth about and they'll be like you need to 0:43:20.760 --> 0:43:23.279 go see somebody. Yeah, And then there's then there's some 0:43:23.320 --> 0:43:25.920 things where they really can be helpful. Yeah, totally all right, 0:43:25.960 --> 0:43:26.520 I agree. 0:43:26.920 --> 0:43:29.279 Should we uh, let's take a break, yeah, and and 0:43:29.800 --> 0:43:31.840 get to in just a second, we're gonna take a 0:43:31.920 --> 0:43:34.560 question from a listeners. This is normally our listener questions 0:43:34.640 --> 0:43:39.440 Monday episode and uh, and then we'll say Cyonara from 0:43:39.440 --> 0:43:49.760 our first YouTube fora. 0:43:51.000 --> 0:43:52.640 We would like Bevis to my head when we do that. 0:43:53.920 --> 0:43:57.920 I was channeling my inner. Uh Beavis, I think it? 0:43:58.040 --> 0:43:59.560 Does he have the top of here? I was gonna say, 0:44:00.200 --> 0:44:02.440 I don't know, No, I think Bevis is the one. 0:44:02.560 --> 0:44:04.480 He's the blonde hair guy. So that that would be you, 0:44:05.560 --> 0:44:08.759 what would be me? Yeah? Uh so yeah, like you 0:44:08.800 --> 0:44:10.120 said earlier, you want to go ahead and take the 0:44:10.120 --> 0:44:11.799 should go ahead and do the listener question. This is 0:44:11.880 --> 0:44:15.560 yet again new territory, new territory. We have never done 0:44:15.600 --> 0:44:18.959 this before, but I've got it queued up. Yes, Soul 0:44:19.080 --> 0:44:21.400 reached out to us and she wanted to Yeah, just 0:44:21.480 --> 0:44:24.279 kind of probe and ask us a few questions regarding 0:44:24.400 --> 0:44:27.080 us being able to take a break over the summer. 0:44:28.000 --> 0:44:30.280 Hi met and Joel's Yes, a little calling from Maryland. 0:44:30.880 --> 0:44:32.960 Here are just a couple questions, since I know you're 0:44:33.000 --> 0:44:36.960 looking for some freshies. First one is this summer will 0:44:36.960 --> 0:44:39.520 be one year since you're sabbatical, so I'm curious what 0:44:39.560 --> 0:44:42.560 are some ways that you continue to instill some changes 0:44:42.600 --> 0:44:45.600 that came from that sabbatical. And also what are some 0:44:45.719 --> 0:44:48.760 practices or shifts that you may have wanted but you didn't. 0:44:49.600 --> 0:44:52.160 Just an interesting thought experiment, just to help review your 0:44:52.200 --> 0:44:56.080 experiences from that time. And Second, if you could have 0:44:56.160 --> 0:44:59.479 your dream dinner party of personal finance folks alive or dead, 0:45:00.000 --> 0:45:02.080 who would you have Let's say you could invite up 0:45:02.120 --> 0:45:05.000 to five people. All right, Well, I hope you're doing well. 0:45:05.040 --> 0:45:06.960 Thanks again for everything you do on the podcast. 0:45:07.239 --> 0:45:09.880 Thanks bye, nice, thank you. 0:45:09.960 --> 0:45:12.680 Yes, well, okay, So Jesus talked about money. Can I 0:45:12.719 --> 0:45:16.520 include him as like a personal finance influencer he's yeah. 0:45:16.320 --> 0:45:21.200 At the top of the invite list. I guess yes, Yeah, 0:45:21.280 --> 0:45:26.080 Jesus he there are more parables about money than any 0:45:26.200 --> 0:45:30.040 other topic in the New Testament? Isn't that correct? I 0:45:30.040 --> 0:45:30.560 could be wrong. 0:45:30.680 --> 0:45:32.600 I believe so, and I think there's good, yeah, good 0:45:32.600 --> 0:45:34.560 reason for it, because it's really easy for us to 0:45:34.560 --> 0:45:37.000 get very attached to money and then get to the 0:45:37.120 --> 0:45:39.400 later on in our life and be like, why did 0:45:39.400 --> 0:45:40.799 I make that such a central part of things? 0:45:40.800 --> 0:45:41.000 You know? 0:45:41.440 --> 0:45:44.240 And that's part of the premise of in the purpose 0:45:44.280 --> 0:45:45.879 of the show is to put money in its proper place. 0:45:45.960 --> 0:45:50.840 Yeah. By the way, was Jesus Christ super savior one 0:45:50.840 --> 0:45:53.439 of our besties that we rolled over the summer or yeah, 0:45:53.440 --> 0:45:57.960 I think so, okay, well it was the Ancient Money 0:45:57.960 --> 0:46:00.600 Truth this or something that was from a couple of 0:46:00.640 --> 0:46:03.000 years ago that was a fun one. Yeah, okay, yes, 0:46:03.080 --> 0:46:08.200 well asked three questions. First of all, takeaways from last 0:46:08.680 --> 0:46:11.640 summers sabbatical that we are still kind of finding a 0:46:11.640 --> 0:46:14.680 way to incorporate into our lives now. Yeah, which you 0:46:14.680 --> 0:46:15.160 got anything? 0:46:16.320 --> 0:46:18.480 I think one of the things that we did coming 0:46:18.560 --> 0:46:23.080 back from last summer was to start making a plan 0:46:23.480 --> 0:46:25.960 for the next summer, for this past summer that just occurred, 0:46:26.320 --> 0:46:29.840 and and to say we want elements of that every summer, 0:46:30.400 --> 0:46:32.399 like we we don't want it to be one and done. 0:46:32.960 --> 0:46:35.160 And and the I would say the other thing, the 0:46:35.320 --> 0:46:38.120 kind of weekly rhythms that we started the institute after 0:46:38.600 --> 0:46:43.560 our sabbatical were our focused work time was very intentional, 0:46:43.920 --> 0:46:47.080 highly intentional, but it was it was reduced like we 0:46:47.239 --> 0:46:50.360 just like we we did not work on Fridays. I 0:46:50.400 --> 0:46:52.399 forget when exactly we started that, but. 0:46:52.360 --> 0:46:54.160 We also did that before last summer. 0:46:54.360 --> 0:46:57.239 But okay, I think it but then too, even just 0:46:57.880 --> 0:47:02.000 Monday through Thursday, like the way our days looked and 0:47:02.040 --> 0:47:05.439 were structured, just looked different so that it felt our 0:47:05.480 --> 0:47:09.759 lives felt a bit more RESTful and family oriented and 0:47:09.760 --> 0:47:12.359 and so just you know, what is it Parkinson's law 0:47:12.400 --> 0:47:15.160 where that the amount of time you give to work 0:47:15.239 --> 0:47:17.640 like it's gonna it's gonna take up the time. Yeah, 0:47:17.680 --> 0:47:19.560 and so if you reduce the time that you give 0:47:19.600 --> 0:47:23.200 to work, can you still be And obviously there's like 0:47:23.239 --> 0:47:24.759 a limit to that, right we I don't think we 0:47:24.760 --> 0:47:28.759 could record three excellent podcasts a week and dedicate three 0:47:28.800 --> 0:47:31.400 hours to it, like it wouldn't be very good. But 0:47:31.960 --> 0:47:34.799 the reality is we there were places where we could 0:47:34.800 --> 0:47:38.560 cut back, and so we in terms of time and 0:47:38.640 --> 0:47:40.080 some of the things that we gave our time to 0:47:40.520 --> 0:47:43.680 for work, and we're able to kind of become more 0:47:43.680 --> 0:47:47.120 optimized and efficient and still get just as much joy 0:47:47.120 --> 0:47:49.000 out of the work we're doing. I think creates something 0:47:49.040 --> 0:47:51.440 that's just as helpful for people and then at the 0:47:51.440 --> 0:47:54.439 same time have a little more like freedom in our 0:47:54.520 --> 0:47:55.320 regular routine. 0:47:55.920 --> 0:47:58.920 Yeah, no, I totally agree. Yeah. I think the biggest 0:47:58.920 --> 0:48:03.040 thing is the fact that at we essentially did something 0:48:03.160 --> 0:48:05.200 very similar this summer that we did last summer. So 0:48:05.400 --> 0:48:08.600 like last summer weeks, we we set it up more 0:48:08.680 --> 0:48:11.480 like a sabbatical, where like, I feel like this summer 0:48:11.520 --> 0:48:13.759 we worked a little bit more like little little bits 0:48:13.760 --> 0:48:15.560 here and there where we were just kind of like 0:48:15.600 --> 0:48:17.880 maintaining the business, Whereas last year I think we had 0:48:17.920 --> 0:48:21.080 bigger chunks of time where I know where I was 0:48:21.080 --> 0:48:26.680 completely shunned, like shun up from the from the actual. 0:48:26.360 --> 0:48:32.320 Work in order to a little more like shun unsheh exactly. 0:48:32.480 --> 0:48:36.759 It's more of a revolving window or revolving door this year. 0:48:37.080 --> 0:48:40.279 But last year I treated it personally, I treated it 0:48:40.280 --> 0:48:42.760 more like an actual sabbatical where I'm just like, cool, 0:48:43.719 --> 0:48:45.960 We've got a great show. We really like what we do, 0:48:46.239 --> 0:48:48.760 what we're doing here, I love how we're helping people. 0:48:49.320 --> 0:48:53.160 Is this the right thing to continue doing? Just like 0:48:53.320 --> 0:48:55.319 trying to step away from the actual work in order 0:48:55.320 --> 0:48:59.520 to gain perspective. Whereas this year it felt less like 0:48:59.640 --> 0:49:02.440 a subtle and I wouldn't even call it a sabbatical 0:49:02.480 --> 0:49:04.880 this year, as opposed to saying, man, we own our 0:49:04.880 --> 0:49:07.400 own business. We have put ourselves in the position to 0:49:07.400 --> 0:49:09.120 be able to take summers off. I want to be 0:49:09.160 --> 0:49:11.920 able to spend time with my family. Why not? And 0:49:12.000 --> 0:49:14.840 so this year just felt more it was less introspective, 0:49:17.320 --> 0:49:21.600 just as fun. And I want to say too, I guess, okay, 0:49:21.600 --> 0:49:23.439 here here's what wormon mind's that it makes me think about. 0:49:23.480 --> 0:49:26.480 You know how, back when we had kids, we put 0:49:26.520 --> 0:49:30.239 the date nights on the calendar, repeating every week and 0:49:30.280 --> 0:49:32.719 no matter what, even if you and so basically for 0:49:32.760 --> 0:49:35.680 folks that need to get caught up. One week, Kate 0:49:35.719 --> 0:49:36.759 and I would have a date night, You would come 0:49:36.800 --> 0:49:38.920 over babysit the kids. The next week, you and Emily 0:49:38.920 --> 0:49:41.000 would go out on a date night. I would watch 0:49:41.040 --> 0:49:45.200 your house, watch your kids. But we did not move 0:49:45.320 --> 0:49:47.759 that unless it was list somebody was out of town. 0:49:47.800 --> 0:49:50.040 Basically like we always did it. And we did that 0:49:50.040 --> 0:49:53.479 for ten years, and there already there were days when 0:49:53.800 --> 0:49:55.840 I didn't want to do that, or Kate and I 0:49:55.920 --> 0:49:59.040 weren't like yeah, mostly because you didn't want to watch 0:49:59.080 --> 0:50:01.160 my kids. No, no, not not that like came and I 0:50:01.200 --> 0:50:03.160 were like not on speaking turn Now we weren't on 0:50:03.360 --> 0:50:05.120 not speaking terms. But sometimes you just don't be like 0:50:05.160 --> 0:50:07.480 going out on a date. Right. But the fact that 0:50:07.520 --> 0:50:10.040 it was baked into the calendar, it was baked into 0:50:10.120 --> 0:50:12.640 our schedules and rhythms and routines, and you know what 0:50:12.840 --> 0:50:14.640 that meant that you were going to be coming over 0:50:14.680 --> 0:50:18.080 at whatever it was, seven thirty seven o'clock. I don't know. 0:50:18.120 --> 0:50:19.560 I can't remember when we used tod what time we 0:50:19.600 --> 0:50:21.480 would do seven thirty. Yeah, because we put the kids, 0:50:21.640 --> 0:50:23.520 that's right, when they were younger at that point. But 0:50:23.600 --> 0:50:26.359 then guess what, because we went out on that date night, 0:50:26.719 --> 0:50:29.600 it caused Kate and I to grow closer together, and 0:50:29.680 --> 0:50:34.120 so the structure of that was incredibly beneficial, I know 0:50:34.280 --> 0:50:37.120 for mine and Kate's relationship. I'm sure you would say 0:50:37.160 --> 0:50:39.160 the same thing. And in a similar way, that's how 0:50:39.200 --> 0:50:42.440 I feel about this summer from last summer. Like last summer, 0:50:42.480 --> 0:50:44.359 it's just like I think we need to do this, 0:50:44.480 --> 0:50:47.480 like let's let's try this out, let's experiment, let's see 0:50:48.200 --> 0:50:51.600 this summer It's like, oh, let's do it. And because 0:50:51.640 --> 0:50:53.920 it was there, I was certainly looking forward to it, 0:50:54.360 --> 0:50:55.839 but I was able to approach it in a way 0:50:55.880 --> 0:50:57.920 that I think almost there were times that I was 0:50:57.960 --> 0:51:02.839 receiving things from this summer break that I think I 0:51:02.880 --> 0:51:05.480 appreciated more because we did it last summer, right, And 0:51:05.600 --> 0:51:08.200 like I'm just thinking about at one point at the beach, 0:51:08.400 --> 0:51:10.120 our kids were all maybe that was this, Like the 0:51:10.200 --> 0:51:12.839 last night, they were all running. They had just gotten 0:51:12.840 --> 0:51:14.920 into shoving mass. We were pushing each other into the inlet. 0:51:15.040 --> 0:51:17.240 It was funny, and their kids were getting hurt whatever. 0:51:17.880 --> 0:51:19.400 We were walking back down the beach. This is in 0:51:19.440 --> 0:51:22.880 the evening, like sunsetting, and there are just this gaggle 0:51:22.920 --> 0:51:27.080 of kids all together. They're all friends. You see the relationship, 0:51:27.280 --> 0:51:29.120 And like I was able to zoom out a little 0:51:29.120 --> 0:51:31.319 bit now, I was able to say to myself, this 0:51:31.400 --> 0:51:33.680 is so good. And I was able to not just 0:51:33.719 --> 0:51:36.239 like view it like through my eyes, but almost to 0:51:36.280 --> 0:51:38.960 see myself in that situation. And I found that I 0:51:39.000 --> 0:51:41.560 was appreciating that in a way that I haven't in 0:51:41.600 --> 0:51:46.239 the past. In that last year, It's like I was 0:51:46.239 --> 0:51:49.640 striving for that maybe in the past, whereas now, having 0:51:49.680 --> 0:51:52.680 practiced it a little bit, I'm able to recognize that 0:51:52.719 --> 0:51:56.040 in a way that I appreciate it just more fully. 0:51:56.080 --> 0:51:59.040 Does that make sense? Yeah, okay, yeah, I'm not sure 0:51:59.040 --> 0:52:01.320 if I communicated that well, But that's just what sometimes 0:52:01.480 --> 0:52:05.200 come ahead. It takes a rhythm, right of doing something 0:52:05.680 --> 0:52:08.960 to where you can edge a level deeper into the 0:52:09.000 --> 0:52:10.680 impact that I can have money right, And so there 0:52:10.760 --> 0:52:13.720 was something I think about this summer that we approach 0:52:13.800 --> 0:52:16.399 it with like a less like kind of a existential 0:52:16.560 --> 0:52:18.600 like what are we doing and where are our lives 0:52:18.600 --> 0:52:20.600 going from here? And more of like this is like 0:52:20.640 --> 0:52:23.840 a rhythm we're going to institute that is good for 0:52:23.960 --> 0:52:26.440 us as individuals, good for our families, good for our business, 0:52:26.520 --> 0:52:28.640 good for us. Like, dude, I'm chomping at the bit, 0:52:29.080 --> 0:52:31.879 like I'm so excited to be back and to try 0:52:31.960 --> 0:52:36.719 video now and to like see where this where what 0:52:36.760 --> 0:52:39.480 we do can go. Because the whole goal behind this, 0:52:39.640 --> 0:52:41.320 the whole goal of our show is for us to 0:52:41.360 --> 0:52:44.680 have a good time, but also the main main goal 0:52:44.840 --> 0:52:46.799 is to help and serve other people. Yeah, and so 0:52:46.840 --> 0:52:50.480 if we can offer advice that leads to life change, 0:52:50.600 --> 0:52:52.400 and we get emails all the time from listeners and 0:52:52.440 --> 0:52:55.200 it's so edifying for us to be like, wow, amazing, 0:52:55.239 --> 0:52:57.880 you've been listening and it's helped you, it's impacted you. 0:52:58.160 --> 0:53:00.480 Like that's at the end of the day. All we 0:53:00.520 --> 0:53:03.680 can ask, right is that not to have the biggest 0:53:03.680 --> 0:53:08.040 audience ever, not that YouTube's gonna make us Internet famous, 0:53:08.200 --> 0:53:11.000 could care less, but that this show would have impact 0:53:11.040 --> 0:53:13.839 on the people who listen, that it would help them 0:53:13.960 --> 0:53:17.000 understand and think through whatever's going on in their finances 0:53:17.560 --> 0:53:20.359 better so that they can live a healthier life and 0:53:20.400 --> 0:53:23.080 have a healthier relationship to their money. At the end 0:53:23.080 --> 0:53:24.680 of the day, that's that's what I care about. And 0:53:24.680 --> 0:53:27.800 I think that time away gives me a better perspective 0:53:27.800 --> 0:53:30.040 towards it that you can't get when you're just in 0:53:30.120 --> 0:53:32.479 it day in and day out. You need a little 0:53:32.480 --> 0:53:35.359 bit of time away, better appreciate, be able to approach it. Yeah, yeah, 0:53:35.480 --> 0:53:38.840 appreciation then and approach a healthy approach to it. It's yeah. 0:53:39.360 --> 0:53:40.840 It kind of makes me think of travel too, Like 0:53:40.840 --> 0:53:44.280 the first time you go on vacation abroad is different 0:53:44.320 --> 0:53:45.840 than the second time you do it, because like the 0:53:45.840 --> 0:53:47.799 second time, like there's just little tricks and little things 0:53:48.000 --> 0:53:49.799 that you do and you're able to appreciate. Like you 0:53:49.840 --> 0:53:51.680 come back from the first one and you're like, ah, 0:53:51.680 --> 0:53:53.120 I wish we'd have done more that. I wish we'd 0:53:53.160 --> 0:53:54.880 have done more of that, And there's just a level 0:53:54.920 --> 0:53:58.000 of appreciation for it as opposed to trying to force 0:53:58.040 --> 0:54:01.000 it the first time. I feel like this time, I'm like, oh, 0:54:01.200 --> 0:54:04.680 last year I said that I want to enjoy more 0:54:04.680 --> 0:54:07.000 time with my kids. I was still learning how to 0:54:07.040 --> 0:54:10.680 do that, you know, because there's times where I'm just like, well, 0:54:10.680 --> 0:54:12.239 I got some time. I'm just gonna take on this 0:54:12.360 --> 0:54:14.759 massive project out out in the yard, and I'm like, 0:54:15.200 --> 0:54:17.400 you know, beasting it for two weeks, as opposed to 0:54:17.480 --> 0:54:20.200 being like, oh no, that's actually slowed down and what 0:54:20.239 --> 0:54:24.120 does it actually look like to spend time with the kids. 0:54:24.200 --> 0:54:27.680 Appreciate that time. It's it's connecting more of what I 0:54:27.719 --> 0:54:30.480 say that I want and what I value to Like 0:54:30.800 --> 0:54:32.520 last year, it's like it was like I don't know, 0:54:32.520 --> 0:54:34.640 there's some distance. But now I'm like, oh, it's like 0:54:35.080 --> 0:54:39.200 it's getting closer to what I what I'm claiming right. 0:54:39.239 --> 0:54:43.400 There's less cognitive dissonance, which is always a good feeling 0:54:43.640 --> 0:54:46.399 when you are living in a way, when you're living 0:54:46.400 --> 0:54:48.520 in a way that aligns naturally with your values. But 0:54:49.040 --> 0:54:51.279 and I think so often that's what creates just a 0:54:51.320 --> 0:54:55.120 lot of anxiety and hardship in people's lives, is the 0:54:55.239 --> 0:54:57.680 gap between what they say the want and the way 0:54:57.719 --> 0:54:59.360 they're living. I know it does for me, Yes, I 0:54:59.360 --> 0:55:01.560 know it does for me. Like that's those are the 0:55:01.560 --> 0:55:04.360 places where I need to lean into and be formed 0:55:04.560 --> 0:55:08.000 and like and hopefully have like make to make different 0:55:08.000 --> 0:55:10.239 attempts and a different approach in the future so that 0:55:10.320 --> 0:55:13.640 I can become more of the person who like the 0:55:13.680 --> 0:55:16.240 things that I say align with the things that I do. Yeah, okay, 0:55:16.320 --> 0:55:18.720 So anything that you did last summer that you didn't 0:55:18.760 --> 0:55:21.239 do that you wish you could do better, A better job, 0:55:21.520 --> 0:55:23.919 you got anything there? Just skip that part. 0:55:24.760 --> 0:55:26.439 Yeah, I'm trying to think if there's anything I wish 0:55:26.400 --> 0:55:30.600 I could done better. I think no, I don't think so, Like, 0:55:30.600 --> 0:55:31.760 I don't think there was anything. 0:55:32.000 --> 0:55:33.360 Joel's like nailed it. 0:55:35.400 --> 0:55:38.440 I will say the thing that I really clocked that 0:55:38.560 --> 0:55:41.279 I liked. I liked the travel and some of the 0:55:41.520 --> 0:55:43.399 little trips that we did. We didn't have as much. 0:55:43.880 --> 0:55:45.840 My wife's working more this summer, so we didn't have 0:55:45.840 --> 0:55:47.600 as much ability to travel, so I was hanging with 0:55:47.640 --> 0:55:50.760 the kids more, doing more like you know, pool hangs 0:55:50.760 --> 0:55:57.120 and little day stuff. But the thing that I and 0:55:57.360 --> 0:56:00.560 I love that slight difference, But the thing that I 0:56:00.600 --> 0:56:02.719 really like more than more than anything. I think a 0:56:02.719 --> 0:56:05.239 lot of times, like we we make travel seem like 0:56:05.280 --> 0:56:08.680 it's the greatest thing in modern history. Like to be 0:56:08.760 --> 0:56:11.520 able to take big trips is like that's everyone's goal, 0:56:11.560 --> 0:56:13.920 it seems like. Sometimes so there's like travel poor and 0:56:13.920 --> 0:56:16.719 travel lust, and you want to be able to do that, right, 0:56:16.800 --> 0:56:17.560 don't you want to travel? 0:56:17.640 --> 0:56:18.080 Right? Right? 0:56:18.160 --> 0:56:21.160 Yeah, I'd like to travel as much as the next person. 0:56:21.200 --> 0:56:24.760 But there's something great about the rhythms of not working 0:56:24.800 --> 0:56:27.520 and being at home and having some of that time 0:56:28.440 --> 0:56:30.920 is a beautiful thing. And so don't assume that just 0:56:30.920 --> 0:56:33.239 because you're not working, you've got to like be on 0:56:33.320 --> 0:56:34.240 a plane and go somewhere. 0:56:34.520 --> 0:56:36.440 Yeah, yep, yeah, we did a better job. But I 0:56:36.480 --> 0:56:38.320 mean last year we intentionally wanted to have a longer 0:56:38.360 --> 0:56:40.759 road trip, which we'd never done. We definitely did not 0:56:40.840 --> 0:56:43.880 do that this summer. Still had a still had a 0:56:43.880 --> 0:56:47.759 good time. Okay, real quick. She mentioned the personal finance 0:56:48.200 --> 0:56:53.200 people that you would have over for dinner. Who would 0:56:53.239 --> 0:56:54.800 that be? We've already mentioned Jesus Christ. 0:56:55.640 --> 0:56:57.719 Yes, yeah, And so I was trying to not go 0:56:57.719 --> 0:56:59.600 to metal with it in my answer because I was like, oh, 0:56:59.640 --> 0:57:01.320 you could do like Warren Buffett and stuff, But I 0:57:01.360 --> 0:57:03.959 don't think he's not like a I don't think personal 0:57:04.560 --> 0:57:08.439 he's like any research this business and find where there's 0:57:08.640 --> 0:57:10.839 untap value, right essentially, But would I like to hang 0:57:10.840 --> 0:57:13.120 out with Warren Buffett, Yeah, of course, for sure, who 0:57:13.120 --> 0:57:17.520 wouldn't what a He's close interesting war Buffet, human maybe, 0:57:17.560 --> 0:57:20.480 But I'm gonna go with like my best friends in 0:57:20.520 --> 0:57:23.560 the personal finance space who I think are also really smart. 0:57:23.680 --> 0:57:27.400 So I put our buddy Chad Carson, who's really smart 0:57:27.440 --> 0:57:30.840 about real estate in there, our friend Jesse Kramer. Love, 0:57:30.920 --> 0:57:33.240 that dude lives up in Rochester, New York, doing some 0:57:33.280 --> 0:57:34.680 great stuff and he's just a great guy, so I'd 0:57:34.680 --> 0:57:36.640 love to hang out with him. The mad scientist who 0:57:36.640 --> 0:57:40.160 we got to visit in person in Scotland. Brandon Love 0:57:40.200 --> 0:57:43.880 hanging out with that guy, Justin Peters, who's runs the 0:57:43.880 --> 0:57:47.280 podcast five Minded, fantastic guy, really thoughtful, ask gay. 0:57:47.160 --> 0:57:50.200 Question and literally runs as well. Which is where my 0:57:50.320 --> 0:57:53.000 little like I feel like the folks. I'll be honest, 0:57:53.000 --> 0:57:56.440 I don't consume a whole lot of virtually any personal 0:57:56.480 --> 0:57:58.680 finance content, and I don't know if that makes me 0:57:58.720 --> 0:58:02.760 a pariah within the personal finance space, the fact that like, oh, 0:58:02.840 --> 0:58:05.480 he doesn't support the other the other folks, but like 0:58:05.600 --> 0:58:08.280 I want to the folks I would want to have 0:58:08.320 --> 0:58:11.440 over are the Okay, Morgan Housel, I'll totally have him 0:58:11.440 --> 0:58:15.000 over because he does so much research and has such 0:58:15.000 --> 0:58:16.880 great stories and ties it to what's going on. I 0:58:16.920 --> 0:58:18.720 just love him as a storyteller. I would love just 0:58:18.760 --> 0:58:20.200 to sit there and pepper him with questions and have 0:58:20.280 --> 0:58:23.360 him tell me stories. But besides that, I'm thinking of 0:58:23.360 --> 0:58:26.120 people who I know, and the reason I would want 0:58:26.120 --> 0:58:27.640 to hang with him is because I'm interested in what 0:58:27.680 --> 0:58:32.280 they're into outside of personal finance. And so for instance, 0:58:32.400 --> 0:58:35.360 justin Peters, he's a runner. Who else did you mention? 0:58:36.280 --> 0:58:40.560 Oh Brandon, He's so into craft beer that like, and 0:58:40.680 --> 0:58:44.040 music and music and and so like, like it makes 0:58:44.080 --> 0:58:47.600 me think of like even Carl Mindy's Carl Jensen, and 0:58:47.720 --> 0:58:50.360 like he takes on these home projects and he calls it. 0:58:50.960 --> 0:58:55.040 What does he call it? Like something tourism, like building 0:58:55.080 --> 0:58:56.840 tourism or something like he like he'll go visit a 0:58:56.840 --> 0:58:59.520 friend for a month, work on a project with him 0:58:59.760 --> 0:59:02.280 and him that's fun. I'm like, dude, that kind of 0:59:02.280 --> 0:59:04.760 sounds awesome, Like that's that's my kind of fun because 0:59:04.760 --> 0:59:06.880 I'm I try to be hanged. I like doing stuff 0:59:06.920 --> 0:59:09.880 around the house. But he's using his financial independence in 0:59:09.920 --> 0:59:13.840 an interesting way. Yes, yeah, absolutely, I think the closest 0:59:14.000 --> 0:59:18.440 I get to actual personal finance content. Like, honestly, I 0:59:18.480 --> 0:59:23.000 think about Jordan Grummitt doc G because anytime I've listened 0:59:23.000 --> 0:59:25.400 to him recently, like he is grappling with the kind 0:59:25.440 --> 0:59:27.200 of stuff that I'm starting, the kind of questions that 0:59:27.240 --> 0:59:30.400 I'm starting to ask, which is spending the money that 0:59:30.440 --> 0:59:34.320 you've saved and invested over the years, in decades and 0:59:34.360 --> 0:59:37.439 being okay with that? And I sense like a type 0:59:37.440 --> 0:59:40.800 of peace that he has, not that I'm anywhere near, 0:59:40.920 --> 0:59:44.640 Like he's so much wealthier than I am, but I 0:59:45.120 --> 0:59:49.600 love how he's talking about feeling comfortable with spending large 0:59:49.600 --> 0:59:53.320 amounts of money and without necessarily being like, oh, but 0:59:53.360 --> 0:59:55.360 we're going to maintain this in order to generate this 0:59:55.400 --> 0:59:57.600 kind of revenue. Is there's a certain level of trust 0:59:57.640 --> 1:00:00.280 and letting go that you have to get to that 1:00:00.320 --> 1:00:03.760 I feel like he's arrived at. So anytime he talks 1:00:03.760 --> 1:00:05.960 about stuff like that, I try to see if I 1:00:05.960 --> 1:00:07.520 can give it a listen or read it. 1:00:07.840 --> 1:00:12.280 But our buddy Chad, he's into soccer, he's into sabbaticals, 1:00:12.680 --> 1:00:15.960 and he's into building bike paths and biking, so like, 1:00:15.960 --> 1:00:17.440 there's just so much in common with these people that 1:00:17.480 --> 1:00:19.080 we mentioned you're right. I think I hadn't really thought 1:00:19.080 --> 1:00:21.360 about that. But yeah, the reason I like them is 1:00:21.400 --> 1:00:25.920 because they have They're really thoughtful, They've got varied interests 1:00:26.160 --> 1:00:29.160 that they pursue a whole, like they're all in on it, 1:00:29.240 --> 1:00:32.200 you know. And because of that, they're fascinating. It's not 1:00:32.280 --> 1:00:33.200 people and so it's. 1:00:33.120 --> 1:00:36.000 Yeah, we're not sitting around talking about roth iras like no, 1:00:36.280 --> 1:00:39.440 until we're talking about all the other stuff outside of 1:00:39.680 --> 1:00:41.560 what we talk about day and day out on the show. 1:00:42.080 --> 1:00:44.160 And to me, like and it just drives home the 1:00:44.160 --> 1:00:46.880 point of what's money for. It's to do awesome things. 1:00:46.880 --> 1:00:50.760 It's not to have whatever you know, net Worth placard 1:00:50.760 --> 1:00:52.480 on your wall and to be like I finally did it, 1:00:52.480 --> 1:00:54.360 I hit my number. No, it's about all the other 1:00:54.520 --> 1:00:56.960 real life, amazing things that you can do with that money, 1:00:57.480 --> 1:01:00.000 the lives that you can impact. How did you get 1:01:00.040 --> 1:01:03.560 and teach your kids, how you can improve your community, 1:01:03.600 --> 1:01:06.120 Like that's what it's all about, man, And anytime I 1:01:06.160 --> 1:01:09.680 see somebody doing that, well, I want to do that. Well, right, 1:01:11.480 --> 1:01:13.800 I'm trying to think of like I can't think of 1:01:13.960 --> 1:01:17.480 any like other Dad. I feel like we're like solidly 1:01:17.520 --> 1:01:21.040 in the dad personal finance space or whatever. But like 1:01:22.040 --> 1:01:23.720 any dudes out there doing that, I would love to. 1:01:23.840 --> 1:01:25.360 I'd probably want to have more for dinner and talk 1:01:25.360 --> 1:01:28.720 about like dad stuff, Like, hell, how are you talking about? Oh, yes, 1:01:28.760 --> 1:01:31.760 we do have money kids, but also you need to 1:01:31.800 --> 1:01:34.040 work and go out there and kill your own thing 1:01:34.120 --> 1:01:36.640 and bring it home and cook it right, Like, how 1:01:36.640 --> 1:01:38.720 do you find that balance between providing for them, not 1:01:39.280 --> 1:01:43.520 spoiling them, and being able to provide them, hopefully with 1:01:43.560 --> 1:01:45.680 a better life than what it is that we had. 1:01:45.920 --> 1:01:47.680 Not that there's anything wrong with our lives growing up, 1:01:47.680 --> 1:01:50.160 but like we're always striving to be better. Right. 1:01:50.400 --> 1:01:52.680 So I was just just talking to my oldest who 1:01:53.120 --> 1:01:54.920 just turned thirteen. So I have a teenager now, which 1:01:54.960 --> 1:01:56.520 I don't feel old enough to be the dad of 1:01:56.520 --> 1:02:00.160 a teenager, but I am. And we're talking about when 1:02:00.200 --> 1:02:03.680 I started working, and I started working at fourteen at 1:02:03.720 --> 1:02:07.280 a fast food restaurant, and so she was like, well, 1:02:07.280 --> 1:02:09.760 can I get a job on fourteen? And I'm like, yeah, 1:02:10.520 --> 1:02:12.520 you can totally get a chap when you're fourteen. That 1:02:12.600 --> 1:02:14.800 sounds great, And so we're gonna be thoughtful about that 1:02:14.920 --> 1:02:17.000 and how much do you work and what does that 1:02:17.040 --> 1:02:18.320 look like, and are you going to try to do 1:02:18.360 --> 1:02:20.160 an entrepreneurial thing? Are you going to go to try 1:02:20.160 --> 1:02:22.920 to work somewhere and learn stuff. I ran into Matt 1:02:23.240 --> 1:02:26.800 just the other day. This guy who managed was a 1:02:26.840 --> 1:02:31.000 manager at the restaurant I worked at I was fourteen. Yeah. 1:02:31.040 --> 1:02:32.760 I took a selvy with him. I'll show you the picture, 1:02:33.040 --> 1:02:35.120 and he was like it, just show. 1:02:35.080 --> 1:02:36.320 Me now, can you pull it up? Is it? What? 1:02:36.320 --> 1:02:37.120 Did it take too long? 1:02:37.600 --> 1:02:37.760 You know? 1:02:37.880 --> 1:02:39.960 I can't. Well, I think what you're pointing to while 1:02:39.960 --> 1:02:41.800 I'm just gonna I'll buy you some time, is that 1:02:42.120 --> 1:02:43.840 these are the things that we're wrestling with day in 1:02:43.840 --> 1:02:46.120 and day out, and so because of that, those are. 1:02:46.040 --> 1:02:51.640 The say that I love it. That's so cool, dude, 1:02:51.760 --> 1:02:54.800 Like that's Jason, and Jason's the man. And I learned 1:02:54.840 --> 1:02:57.760 so much working for people like Jason as an idiot 1:02:57.800 --> 1:02:59.360 fourteen year old. And I was like, Jason, do you 1:02:59.360 --> 1:03:02.960 remember how all were? And he was very kind, He's like, 1:03:03.000 --> 1:03:05.120 you weren't that dumb? And I'm like, yeah, wo I 1:03:05.160 --> 1:03:05.680 know it was. 1:03:06.000 --> 1:03:07.400 I know, I know. I was like, I'm not that 1:03:07.480 --> 1:03:09.720 smart now, so you know, yeah, I had to have 1:03:09.720 --> 1:03:10.240 been down there. 1:03:10.880 --> 1:03:12.680 It wasn't the five to fifteen an hour that I made, 1:03:12.720 --> 1:03:15.480 although that wasn't insignificant, but it was it was that 1:03:15.520 --> 1:03:18.800 those kinds of relationships, and it was the It was 1:03:18.960 --> 1:03:21.720 learning how to be a good worker, how to interact 1:03:21.920 --> 1:03:24.200 relationally with coworkers, how to not be as much of 1:03:24.240 --> 1:03:26.240 an idiot. Those are the things that really moved the 1:03:26.280 --> 1:03:29.160 needle for me. Fourteen fifteen, sixteen year old working. 1:03:29.840 --> 1:03:30.600 That's what you learn. 1:03:30.720 --> 1:03:33.360 And I think when you put too much emphasis on 1:03:33.600 --> 1:03:36.320 school and academics, there should be a big emphasis there, right, 1:03:36.360 --> 1:03:38.439 it's really important. We don't minimize that in our house, 1:03:38.640 --> 1:03:40.440 but we do say that it like to be a 1:03:40.480 --> 1:03:43.720 fully well rounded human. I do think does she have 1:03:43.760 --> 1:03:44.720 to start working at fourteen? 1:03:44.800 --> 1:03:46.760 No? But will she need to start working by like 1:03:47.080 --> 1:03:50.960 sixteen and be like her head pointed in that direction? Yeah, yeah, 1:03:51.080 --> 1:03:53.200 I think there's other ways to do it as far 1:03:53.240 --> 1:03:56.440 as like there are also ways even like our daughter 1:03:56.680 --> 1:03:59.560 who's also about to turn thirteen, but she's got like 1:03:59.560 --> 1:04:02.520 a regular babysitting gig, and so when it comes to 1:04:02.600 --> 1:04:06.480 communicating well with that family or responding in a quasi 1:04:06.560 --> 1:04:09.240 professional way, showing up on time, you know, like the 1:04:09.240 --> 1:04:11.560 first few times, it's like She's supposed to be over 1:04:11.560 --> 1:04:13.440 there at like five pm or something like that, and 1:04:13.480 --> 1:04:15.160 she it's like five pm. She's like, oh, I got 1:04:15.200 --> 1:04:17.440 to get over there. I'm like, oh, you're late, Like 1:04:17.480 --> 1:04:19.960 you need to be there, you know, just me saying 1:04:20.000 --> 1:04:23.600 that and then her seeing the maybe the response. You know, 1:04:23.640 --> 1:04:26.880 they're very kind, but if they were just like, Okay, yeah, 1:04:26.920 --> 1:04:28.400 think we're gonna get out of here. You know, it's 1:04:28.400 --> 1:04:30.840 seven alo, you know whatever, it's it's five o'clock. So 1:04:31.360 --> 1:04:33.479 just some of those little lessons can also be learned 1:04:33.520 --> 1:04:37.040 in a more sort of casual work environment as opposed 1:04:37.080 --> 1:04:40.120 to full on W two job. But yeah, that's cool. 1:04:40.160 --> 1:04:42.720 It's fun that you ran into him. We are running 1:04:42.760 --> 1:04:45.360 longer than I was expecting. We're just over an hour here, 1:04:45.520 --> 1:04:47.280 and you got anything else you want to share before 1:04:47.280 --> 1:04:47.600 we know? 1:04:47.760 --> 1:04:49.640 But I think we there were some good elements that 1:04:49.680 --> 1:04:51.320 are going to push people towards the video, Like if 1:04:51.360 --> 1:04:52.959 you want to see that picture of me, we. 1:04:52.880 --> 1:04:57.360 Did so much show and telling baby, I love it. Yeah, yeah, so. 1:04:57.360 --> 1:04:59.480 Come check us out on on YouTube. If you want 1:04:59.480 --> 1:05:00.800 to keep listening to audio, that's great too. 1:05:00.800 --> 1:05:02.800 I love We'll continue for audio in my ears, so 1:05:02.960 --> 1:05:05.240 we'll continue pumping it out and yeah, just so folks know, 1:05:05.280 --> 1:05:07.680 we're I mean, we're manually sticking that over on YouTube 1:05:07.680 --> 1:05:10.840 ourselves as well. It's not like because iHeart doesn't have 1:05:10.960 --> 1:05:12.880 that built in. It's not like Spotify where it's like 1:05:12.920 --> 1:05:14.680 built in and you can choose whether you're gonna do 1:05:14.760 --> 1:05:17.520 audio or video. So this is at least for now. 1:05:17.920 --> 1:05:19.720 I think it'd be awesome if if I I mean, 1:05:20.120 --> 1:05:22.680 I think this is fun, and maybe I Heart will 1:05:22.680 --> 1:05:25.200 see the value in it and they'll start incorporating it 1:05:25.240 --> 1:05:27.440 into the feed somehow. Perhaps Yeah, I don't really know, 1:05:27.920 --> 1:05:31.640 but but yeah, I think we will continue this. What 1:05:31.680 --> 1:05:33.600 do you think sounds good? Now? This was good? O? Good? 1:05:33.640 --> 1:05:34.040 I enjoyed it. 1:05:34.080 --> 1:05:36.080 I'm looking forward to being back full on in the 1:05:36.120 --> 1:05:38.400 fall and take more of your money questions. And if 1:05:38.400 --> 1:05:41.240 you have those money questions, howdomoney dot com slash ask 1:05:41.360 --> 1:05:43.520 is the place to go to submit those voice memos 1:05:43.800 --> 1:05:47.280 and yeah, send them with us. Tell your friends about 1:05:47.280 --> 1:05:48.880 how to Money. Yeah, it's a good place to be 1:05:49.120 --> 1:05:49.880 hang out with us more. 1:05:50.280 --> 1:05:52.680 The channel is how to Money pod over at YouTube 1:05:53.120 --> 1:05:56.600 how to Money Pod. I'm queuing up the exit music. 1:05:57.040 --> 1:05:59.760 Okay, so can I go ahead and say that's going 1:05:59.800 --> 1:06:02.880 to do for this episode until next time. Best Friends Out, 1:06:03.120 --> 1:06:04.080 Friends Out,