Speaker 1: Welcome to How the Money. I'm Joel and I am Matt,
Speaker 1: and we're back, baby Matt.
Speaker 2: We're in a new era, brother.
Speaker 1: So the first thing folks may have realized is that
Speaker 1: they can Okay, the first thing that we need to
Speaker 1: do is make our intro music shorter, I think, because
Speaker 1: for folks who are just listening to this, what they
Speaker 1: don't see is the fact that we are trying out
Speaker 1: video for the first time. And I guess we haven't
Speaker 1: really thought about what we're going to do while the
Speaker 1: music plays, because in the previous iterations of the show
Speaker 1: I would always add that after the fact. So this
Speaker 1: is the first time we've ever heard our music leading
Speaker 1: into the show like it's a live radio program or something.
Speaker 1: I know.
Speaker 2: Well, yeah, these dinos two dinosaur podcasters are getting with
Speaker 2: the times. We're launching video. Bear with us as we
Speaker 2: kind of figure things out. But if you like I
Speaker 2: want to see our mildly attractive faces, you can now
Speaker 2: migrate on over to YouTube. We'll put the link in
Speaker 2: the show notes on on how to Money dot com.
Speaker 2: But yeah, my mustache and it's full glory is exists.
Speaker 1: Well, folks get to see it. Can you get it?
Speaker 1: A little closer to the camera so folks can see
Speaker 1: it up close. I see what I can do. I
Speaker 1: want to be like, Yes, what a gift to people.
Speaker 1: I mean less that, less less of the eyebrow flaring.
Speaker 1: I channel that from my scene. You feel better about it.
Speaker 1: I'll be honest. I feel a little insecure because I
Speaker 1: feel like my uh what do you call the early
Speaker 1: onset gray? Something about this white. I'm set up in
Speaker 1: a very temporary spot at home as we're attempting this. Yes,
Speaker 1: and don't I look way older with I feel like
Speaker 1: back gorilla. What's that? Guys are majestic? I feel like
Speaker 1: Anderson Cooper over here with the with the white.
Speaker 2: Nobody hates Anderson Cooper's hair, Okay, like everybody thinks he
Speaker 2: looks distinguished. You're channeling the same vibe.
Speaker 1: Any any hair is uh is better than no hair?
Speaker 1: It's true?
Speaker 2: Sure, But yeah, I'm I will say. If you're looking
Speaker 2: at video, you can see the shirt that I'm wearing.
Speaker 2: Reppin on a team. Yeah, boy Norway. I'm actually thinking
Speaker 2: of renaming my my son Earling. He's almost seven years
Speaker 2: old and he's been used to being called Ezra, but
Speaker 2: he'll get used to Earling.
Speaker 1: I think you might be able to. I think he
Speaker 1: can make the change. Hey, one more sort of housekeeping
Speaker 1: thing before we go to I want folks to know.
Speaker 1: I want I think we should hear back from folks
Speaker 1: too as to whether or not like what they think
Speaker 1: we should do. As far as the video, I think
Speaker 1: some just some feedback as we attempt this here on Riverside.
Speaker 1: So yeah, yeah, for the most part, it'll probably sound
Speaker 1: like this. But like, if we're gonna do do this,
Speaker 1: I'm just I just do the iMac up in the
Speaker 1: corner of my bedroom. So this isn't long term either,
Speaker 1: But anyway, I figure out some background, we'll we'll get
Speaker 1: the quirks, yeah, and you know, worked out and we'll see. Yeah,
Speaker 1: we'll still we'll try to make it sound like you're
Speaker 1: used to but just include video along wheel as well. Yeah,
Speaker 1: people who are used to that more and more with
Speaker 1: podcasts obviously exactly, which is why we're doing it. Yeah,
Speaker 1: that's the thing. There haven't been a ton of folks
Speaker 1: who who have been clamoring for it, but I do
Speaker 1: think there are a number of folks who have not
Speaker 1: heard the how to money gospel because maybe they do
Speaker 1: all of their listening and watching over on YouTube. Yeah,
Speaker 1: and so yeah, it's then't how to money pod channel
Speaker 1: is the channel that we established, Jill, I don't know
Speaker 1: if you know, if you knew this like seven years ago,
Speaker 1: but it sat there empty and it's under our how
Speaker 1: to money pod at Gmail.
Speaker 2: Which actually he just staked our claim, put our flag
Speaker 2: in the ground and we used it. Yeah, we were
Speaker 2: just like first yeah, anyway, but I yeah, I think
Speaker 2: it's clear. I think I want to I just want
Speaker 2: to be transparent with folks. Folks are getting behind the
Speaker 2: scenes kind of look, and we've already recorded some content
Speaker 2: like you've got uh interviews where there's not going to
Speaker 2: be a video because we've we decided after that that
Speaker 2: we're gonna do this, so you're gonna see some video
Speaker 2: come in.
Speaker 3: Uh.
Speaker 1: It's gonna be inconsistent for a few weeks until we
Speaker 1: kind of get into our groove. But either way, we
Speaker 1: want to hear back from folks. Sorry to kind of
Speaker 1: backtrack a little bit and talk about some technical stuff,
Speaker 1: but sounds like you were kind of launching into what
Speaker 1: you've been up to the summer, which is rooting for
Speaker 1: Norway so much World Cup this summer for me and
Speaker 1: my family and we we just we watched a ton
Speaker 1: like that was kind of the thing. We all rallied
Speaker 1: around and like we all got into it and specifically
Speaker 1: cheer for the US obviously, but then also cheer for Norway.
Speaker 1: I think Norway captured the hearts and imagination of Americans
Speaker 1: and just like the world, Like just think of the row.
Speaker 1: Everybody got into the road, Matt. That was the thing.
Speaker 2: Yeah, you gotta love it was super exciting.
Speaker 1: I'm not gonna lie. South Korea didn't get very far,
Speaker 1: so I had to I crossed the Pacific and the Atlantic.
Speaker 1: I guess you can go the other way, crossed over
Speaker 1: the land, took the land route and joined you at Norway.
Speaker 1: There just wasn't much to see as for a South
Speaker 1: Korea goes. But yeah, yeah, yeah, do you want to
Speaker 1: share with the folks. What else you got to do?
Speaker 1: As far as the World Cup.
Speaker 2: I got to I got to go to a match
Speaker 2: and I just got it was a friend reached out
Speaker 2: and man just was like, hey, I've got I got
Speaker 2: an extra ticket. Do you want to go to the
Speaker 2: England Argentina match? And I was like do I Yeah,
Speaker 2: that'd be great. So it was man one of the
Speaker 2: greatest gifts. It was so fun to see it live
Speaker 2: and in person. You saw me on TV.
Speaker 1: Oh yeah, well that's I made the cut. I think
Speaker 1: a lot of people would have. The seats that y'all
Speaker 1: had were incredible. So if you thought you saw Joel,
Speaker 1: what's wrong? I got this? Like, wait, what's that?
Speaker 2: You can show people? This is like some little plaque
Speaker 2: from the match that they gave us.
Speaker 1: So if you're on video you can see it. It
Speaker 1: was like a little FIFA press So I love that
Speaker 1: you do a show and tell because you know what
Speaker 1: that does is the folks, that's right, the video feed.
Speaker 1: So what is that little five by five inch plaque
Speaker 1: thing that you're holding.
Speaker 2: It just kind of like has because you know, Georgia
Speaker 2: is the peach state, so it's got like a soccer
Speaker 2: a bunch of peaches all over. It's kind of an
Speaker 2: artistic like a plaque for in commemoration of that match, so.
Speaker 1: That it was like a FIFA design and collaboration with
Speaker 1: Atlanta as a host city specifically. Yeah, okay, nice.
Speaker 2: So that super fun. That was definitely one of the
Speaker 2: one of the highlights of the summer. A lot of
Speaker 2: other highlights we can talk about. You know, you and
Speaker 2: I we both did some some traveling. You celebrated July
Speaker 2: fourth in epic style. I don't think anybody could have
Speaker 2: done it better.
Speaker 1: Oh yes, maybe if you're wait, where did where was
Speaker 1: the Declaration of Independence actually written? Philadelphia? Right? Yeah? So yeah,
Speaker 1: we took the family up to Colonial Williamsburg for the
Speaker 1: fourth and we'd never been done that before and it
Speaker 1: was awesome. It was a ton of fun, so much fun.
Speaker 1: Kids got to learn a lot. I learned a lot
Speaker 1: just seeing other folks who are living the life of
Speaker 1: like I am a printer. Like the printer there, he's
Speaker 1: like pressing copies of the Declaration of Independence all July
Speaker 1: third on a two and fifty year old printing press.
Speaker 1: That's so cool. It's mind blowing. And so I don't know,
Speaker 1: my patriotic spirit was like at an all time high
Speaker 1: over the summer.
Speaker 2: But yeah, that was ask him. Did you ask that
Speaker 2: guy what his thoughts of AI are? That'd beneficent conversation
Speaker 2: or do you have to like stay in character? And
Speaker 2: he'd be like, hey, know what you're talking about. Well,
Speaker 2: you've got folks who are like interpreters like him. Where
Speaker 2: they're not like like in character the whole time, like
Speaker 2: they're doing the thing and explain it.
Speaker 1: But then you do have folks who are in character
Speaker 1: like the whole time. So you'll see Thomas Jefferson walking
Speaker 1: around and he's you know, it's it's like a like
Speaker 1: a Renaissance festival where they're like, well, what's that device
Speaker 1: you're holding their young lady, if you have your phone
Speaker 1: or something like that. No, I was gonna see the
Speaker 1: printing press guy was super cranky and evidently that's just
Speaker 1: his apt like that's just how he is. He's just
Speaker 1: real feisty. He's like peppering people with questions. He's I
Speaker 1: don't know, I think he was kind of going for
Speaker 1: the I just read this book, the Samuel Adams archetype,
Speaker 1: Like he was just uh yeah, abel kind of rabble
Speaker 1: rouser sort of type. Anyway, you know, was awesome. They
Speaker 1: do a ton of fun. What else, y'all do you
Speaker 1: want to share anything else y'all did over the summer
Speaker 1: when hiking in Shenandoah National Park, that was one of
Speaker 1: the highlights. And yeah, oh man, the.
Speaker 2: Most you want to hear what the most expensive part
Speaker 2: of our trip was. Matt oh you know what it
Speaker 2: was the emergency room visit.
Speaker 1: Oh my gosh, I was gonna say, I guess the
Speaker 1: place you stay, because lodging is always pretty.
Speaker 2: Yeah, you would think typically, but no, it's I haven't
Speaker 2: gotten the bills yet. But actually, er, we we had to.
Speaker 2: So we were in like Nowheersville, Virginia, and I'm even
Speaker 2: like looking it up because we thought my daughter she
Speaker 2: fell we were hiking. We thought she broke her wrist.
Speaker 2: Turns out she did break a bone in her wrist. Yeah,
Speaker 2: and but uh there was nowhere no urgent care to
Speaker 2: get next ray, so he had to go to the
Speaker 2: er or like drive hours, which my wife was like no,
Speaker 2: you know, like I get that we should. She was
Speaker 2: like no, we're just gonna go. I was like, okay,
Speaker 2: that's fine. So I mean that's going to be the
Speaker 2: most expensive part of our trip, and I will see
Speaker 2: you know how I can negotiate with the hospital on
Speaker 2: the back end.
Speaker 1: It's it's never never paid the first bill, jool never paid.
Speaker 1: Oh you didn't pull this podcast called had the money before?
Speaker 1: Oh my gosh, you should have made her. Did you
Speaker 1: see the story about the guy that impaled himself on
Speaker 1: his hiking pole. Yes, did you see the photos? Yes?
Speaker 2: And he had ten miles.
Speaker 1: So, but what the reason he said that he did
Speaker 1: his So he's with buddies. He wasn't hiking solo, and
Speaker 1: it was evidently some massive hike and yeah, he was
Speaker 1: ten miles ten miles out and his buddies were like, dude,
Speaker 1: we need to like airlift you, and he was just
Speaker 1: like I think I guess he was a nurse, like
Speaker 1: a wound nurse. He assessed himself and was like, I'm
Speaker 1: not going to pay an outrageous hell U what's the
Speaker 1: helicopter to get air vaculate here? Yeah, and so he
Speaker 1: credited the cost of what that I mean of getting
Speaker 1: a helicopter right out of there, and just been like
Speaker 1: I can handle this. I can hike. So hey, that's
Speaker 1: just like beast mode. Move right there. I'm impressed to
Speaker 1: you that he knows that, like, that's gonna be an
Speaker 1: expensive bill. Do I need to Plus, I'm sure he
Speaker 1: was just like this is gonna make an awesome story
Speaker 1: for I mean, whoever I want to tell the story to.
Speaker 1: If you see the.
Speaker 2: Picture one, you're like, oh my gosh, that's a crazy
Speaker 2: thing to go through. And then two through.
Speaker 1: His lat muscle. Yes, I couldn't, Like, it looks like
Speaker 1: ten miles like that. I don't. I don't understand. Miraculous.
Speaker 1: That's what he should have told so to, just like, hey,
Speaker 1: I heard about this guy that hike ten miles with
Speaker 1: a pole through his Torso.
Speaker 2: Yeah, yeah, well, fortunately for me, my cousin is a
Speaker 2: really gifted hand surgeon. And so when we came back here,
Speaker 2: she saw my daughter and so we've had we've had
Speaker 2: the best of care for her, and she's gonna be
Speaker 2: just fine. It's sealing up great. So, yeah, we had
Speaker 2: a great summer. And one of the ways I think
Speaker 2: we saved money to Matt, like, neither you or I
Speaker 2: got on an airplane this summer.
Speaker 1: What we did we just we drove.
Speaker 2: And I know there's a lot of talk about high
Speaker 2: gas prices, but let's be honest, what's even more expensive
Speaker 2: is airfare right now? Yeah, so driving, well you might
Speaker 2: be like, oh, I hate paying now to the extra
Speaker 2: dollar something a gallon from where things were back in
Speaker 2: early spring, it's still far better than paying these massively
Speaker 2: inflated airfare prices, especially when you're talking about taking a family.
Speaker 1: Yes, dude, one hundred percent. Like I'm pretty sure I've
Speaker 1: shared this with you as far as my overall philosophy
Speaker 1: when it comes to flying places with the kids, and like,
Speaker 1: I mean again, we've got a twelve year old, Like
Speaker 1: we have flown with the kids. We actually kind of
Speaker 1: took a specific trip just to fly because they were
Speaker 1: just sad that they had never been on a plane before.
Speaker 1: It wasn't like we just lew somewhere and food back
Speaker 1: like it was an actual trip. We were just going
Speaker 1: for like a joy ride. But that being said, my
Speaker 1: general philosophy is that, especially when the kids are younger,
Speaker 1: like we are going to start near where we live
Speaker 1: and then to slowly branch out because early on Kate
Speaker 1: was like, oh, I don't know, it'd be really fun
Speaker 1: to take them to Europe, the cultural experience, the memories,
Speaker 1: and I'm just like, yeah, babe, that's crazy expensive and
Speaker 1: ay and we wait five, six, seven years to do this,
Speaker 1: We're gonna have more money to be able to afford
Speaker 1: these trips because of compounding and investing, right, so it'll
Speaker 1: be less of a hit to us personally, like when
Speaker 1: we decide to pull the trigger, but be from like
Speaker 1: a percentage of your net worth perspective, yes, exactly, But
Speaker 1: then be the ability for them to appreciate what it
Speaker 1: is that we're doing and taking in the cultural sites.
Speaker 1: It's like, I'm not going to fly all a young
Speaker 1: family of family with young kids to Paris or to
Speaker 1: Rome just to eat gelato, like we can we can
Speaker 1: do that locally, right and so, and a big part
Speaker 1: of that, like you said, is hitting up places that
Speaker 1: you can drive to, but just stateside generally speaking. But
Speaker 1: we'll see. I've got my eyeset on some like more
Speaker 1: West coast travel next summer, and that might be I
Speaker 1: don't want to spend two days two days driving in
Speaker 1: the van in order to get the family. It's like
Speaker 1: Yellowstone or something like that. You know, like that, Yeah,
Speaker 1: that's a long trip. That's why I'm just like, oh, geez, okay,
Speaker 1: is this going to be the beginning of the era
Speaker 1: where we are going to fly to go to go spots.
Speaker 2: But I think one of the one of the other
Speaker 2: money saving things. I know you do this really well,
Speaker 2: and and this is this is something that whenever you're
Speaker 2: planning a trip, this is something we think.
Speaker 1: About a lot.
Speaker 2: One of the biggest costs now and I think this
Speaker 2: is like part enjoyment is to go out to eat right, Like, hey,
Speaker 2: we're visiting this place, let's go out to a restaurant
Speaker 2: or two that we enjoy. And there's nothing wrong with that.
Speaker 2: But I was shocked at everyone we met. So we
Speaker 2: took a family beat trip together like we always do,
Speaker 2: like your family, my family. Yep, we didn't eat out once.
Speaker 2: We know rarely, if ever, eat out right when we're
Speaker 2: on these trips and we're doing I don't think we
Speaker 2: ever have on the like a couple of years, even
Speaker 2: like barbecue to take to take that, we got the
Speaker 2: barbecue to go on the first night because we couldn't
Speaker 2: get in until later. But like I too, so a
Speaker 2: we didn't mention the fact that we did the typical
Speaker 2: family the how to money family beach trip, which is
Speaker 2: you know, so much stinking fun. It's also yeah, it's
Speaker 2: just great.
Speaker 1: I love it. Uh but uh but yeah, we always
Speaker 1: cook at home. And like you said, we were talking
Speaker 1: to other families, you know, like meet folks out on
Speaker 1: the beach and stuff, and they're like, oh, it's like
Speaker 1: one of the first questions they ask, what do you
Speaker 1: And I'm just like wait, what, Wow, we don't We
Speaker 1: don't at all do that.
Speaker 2: I didn't even know those restaurants existed, except for maybe
Speaker 2: on our runs we'll well, we'll run by them and
Speaker 2: we'll be like, oh, that that's what that was they
Speaker 2: were talking about.
Speaker 1: There's there. I will say, there's a distinction, okay, And
Speaker 1: so I don't want to drag So there's a difference
Speaker 1: between going on a road trip where you're seeing a
Speaker 1: lot of sights in your schedules pretty packed. We're not
Speaker 1: doing much cooking on those trips, although for the most part,
Speaker 1: we do try to start the day with the eggs,
Speaker 1: Like if you're staying at staying at an airbnb, eggs
Speaker 1: and toast at home start the day of some you know,
Speaker 1: a nice meal. That way so stinking affordable. I'm we're
Speaker 1: not going to go through all that because every minute,
Speaker 1: every hour is so valuable. Like wherever we're visiting on
Speaker 1: the road trip, right, guess what we're doing at the
Speaker 1: beach all day, We're just like sitting on our butts
Speaker 1: and so like the beach is the perfect time to
Speaker 1: save money by cooking at home, And yeah, I'm with you, man,
Speaker 1: a lot of butt sitting.
Speaker 2: Yeah, so you take advantage of the kitchen and man,
Speaker 2: your your wife and picular made some delicious meals.
Speaker 1: So I am fortunate to be married to her for
Speaker 1: many reasons, and you are fortunate to be her friend. Yes, hey, dude, no,
Speaker 1: Emily's chicken pop pie was mind blowing as well. She
Speaker 1: did that ahead of time, brought it up.
Speaker 2: But yeah, there's just the whole how you smoked some
Speaker 2: pork some pork butts ahead of time. So yeah, that
Speaker 2: was We pre planned some of this stuff. And sometimes
Speaker 2: it makes it easier if you like pre cook some
Speaker 2: things and bring them down with you, transport them in
Speaker 2: a cooler. It's so easy. Yeah, it's frugal, it's easy.
Speaker 2: It makes her you know, especially when you're feeding eleven
Speaker 2: people versus just taking necessity. Yes, yeah, versus just the
Speaker 2: default of going going out.
Speaker 1: Dude. I was just talking to a friend and they're
Speaker 1: like it was like in the evening, after dinner time.
Speaker 1: I mean they were saying, hey, let's uh, let's go
Speaker 1: to a dairy queen, like get it, get ice cream.
Speaker 1: I was like, okay, that's that's fun. And I'm going
Speaker 1: through my head thinking, well, we got ice cream back
Speaker 1: at home, and so it's I don't know for some
Speaker 1: people they love going out, but man, it's it is
Speaker 1: definitely not my default reaction as opposed to, how can
Speaker 1: I do this more affordably and get just as much enjoyment,
Speaker 1: if not better enjoyment. Because okay, here here's a news update.
Speaker 1: Here's something from over the summer that we haven't talked about.
Speaker 1: Wirecutter did a They ranked all the best store bought
Speaker 1: ice cream that you that you can get, and guess
Speaker 1: what was very close to the top, if not one
Speaker 1: of the top spots.
Speaker 2: I know, I know what you're gonna say, because it's
Speaker 2: the one you get, isn't It's the Aldi Premium.
Speaker 1: It's finally got some recognition. I've been saying this for years,
Speaker 1: the Aldi. So I don't think it took the very
Speaker 1: top spot. It was like some faincy expensive brand. But
Speaker 1: the very next yeah yeah yeah, but the very next
Speaker 1: one was the Aldi Premium ice cream. It's the black
Speaker 1: box Vinilla. It's only got five ingredients. And I'm just
Speaker 1: glad that the folks over a Wirecutter have finally realized
Speaker 1: what I've been shouting from the mountaintops, especially with the
Speaker 1: Affigato by the way, you know, you know how good
Speaker 1: that that junk is for.
Speaker 2: Real man, which I know you've been you've been affigato
Speaker 2: maxing as the Yellen.
Speaker 1: All right, you want to hit a few more topics
Speaker 1: here before we take a quick break. Yeah, let's do
Speaker 1: more of the clock now, because I see the clock ticking.
Speaker 1: I think the video thing is gonna do a lot
Speaker 1: for us if we can stay on topic, if we
Speaker 1: can stay on time. But this is the first one back,
Speaker 1: so I feel like we'vest a lot that we're just
Speaker 1: thinking of.
Speaker 2: And I will say normally, this is an ask Team
Speaker 2: episode and we will take one questionion towards the end
Speaker 2: it we'll take next Monday kind of be back to
Speaker 2: normal format.
Speaker 1: But regular programming is what they say in the industry,
Speaker 1: gual regular program One of the things we we haven't done,
Speaker 1: Matt is seen the Odyssey, and we have it. But
Speaker 1: we're going. But we're going because you got us tickets,
Speaker 1: which I'm so yesterday, because there's twenty one theaters in
Speaker 1: the whole country that have like the full IMAX experience
Speaker 1: and they've been a millimeter screen yeah, and they've been
Speaker 1: crazy sold out. Even if you like wanted to go
Speaker 1: to one that wasn't sold out. I was looking the
Speaker 1: seats were there's like three seats and they're in the
Speaker 1: worst part of the theater, so front row, far right,
Speaker 1: and it's like, yeah, you don't want to sit there exactly.
Speaker 1: So we finally got decent tickets, but we're not going
Speaker 1: for another like three weeks. Yeah, weeks. Because I happened
Speaker 1: to check it and I saw that. I was like,
Speaker 1: oh my gosh, they did another drop or something like that.
Speaker 1: So that's what. Yeah, I fired off the text, I
Speaker 1: can't wait.
Speaker 2: We're gon drive forty five minutes to see this, but
Speaker 2: I saw that some people were driving and taking buses
Speaker 2: and going, you know, taking hours to migrate to see
Speaker 2: the Odyssey in its full imax glory.
Speaker 1: Yeah. Well, I think it's going to be worth it.
Speaker 1: And this is something we talked about over the beach
Speaker 1: as we're debating it. If I'm going to go out
Speaker 1: and see a movie, I'm looking for a premium, premium
Speaker 1: experience because there's you can do so much great stuff
Speaker 1: at home. Right, let's go back to the ice cream analogy.
Speaker 1: I can make a pretty dang good ice cream Sunday
Speaker 1: at home. I can pull a really great off. I
Speaker 1: gatto you come, we're doing it super cheap. If I'm
Speaker 1: want to go out somewhere to get ice cream, it
Speaker 1: needs to be like the best ice cream that the
Speaker 1: world makes. It's such, it needs to be some fanciful
Speaker 1: Jenny's flavor that you couldn't concoct at home exactly. And
Speaker 1: in a similar way when it comes to movies, like
Speaker 1: everybody's got flat screens now, like everyone's got a pretty
Speaker 1: decent home setup and they can stream movies, and so
Speaker 1: I guess if you don't want to wait, that's why
Speaker 1: people are going out. But otherwise, if I'm going to
Speaker 1: actually spend the money to go up, I want to.
Speaker 1: I want to see it like Christopher Nolan intended, you know,
Speaker 1: in the full seventy millimeter Glory. So that's what I'm.
Speaker 2: Excited, and I think it's worth the wait, and it's
Speaker 2: worth probably. I haven't even asked you how much you
Speaker 2: spent on those tickets, but I'm guessing they're like three
Speaker 2: x what we normally spend on going to the movies.
Speaker 1: So let me it's not actually all that much more. Really,
Speaker 1: I was like it was gonna be like twenty five bucks. Wait,
Speaker 1: isn't that what tickets normally cost twenty five.
Speaker 2: Not at the theater we normally go to, it's like
Speaker 2: eight fifty. Oh okay, I don't know why we have
Speaker 2: like nineteen sixties throwback pricing on our movie.
Speaker 1: Theater, but we do. Wait, I can't find the email
Speaker 1: I want to say. It was thirty is either thirty
Speaker 1: four dollars or forty three dollars a piece a piece,
Speaker 1: so yes, it was. It's better be worth a splurge.
Speaker 1: But yeah, that's the thing I want it to be. Like,
Speaker 1: I am one hundred percent willing to pay that. And
Speaker 1: then we go see a movie theater in the theaters
Speaker 1: what like once a year. Yeah, I never, I never
Speaker 1: go to see movies. This will be worth it. It'll be
Speaker 1: worth it. And this is the perfect movie too, because
Speaker 1: you're not getting spoilers because uh no, everyone.
Speaker 2: Knows the story, like it's like the Titanic. You're like,
Speaker 2: what's gonna happen? Yeah, exactly, all right?
Speaker 1: What else you got?
Speaker 2: Uh?
Speaker 1: Oh?
Speaker 2: I saw the average Date Night for some reason. It
Speaker 2: cost one hundred and eighty nine dollars now, and so
Speaker 2: what I was glad to see this was there was
Speaker 2: a Wall Street Journal article about this that people are
Speaker 2: taking more extreme measures to make their dates cost a
Speaker 2: lot less, like when they want to hang out. Man,
Speaker 2: it makes me think I'm gonna go like a little
Speaker 2: nostalgic here, my my buddy. Billy Strings. One of the
Speaker 2: lines in one of his songs says, she loved the
Speaker 2: things I bought her when I didn't have a dime.
Speaker 2: And I think sometimes the best things in a relationship
Speaker 2: are not the most costly things. They're just the ones
Speaker 2: that you put electra, time, intention, and effort into a
Speaker 2: million nine. Yeah, Emily and I've been doing. One of
Speaker 2: the things we've been really enjoying lately is going on
Speaker 2: longer bike rides together and love it. It costs essentially nothing.
Speaker 2: We've already got the bikes. We just we drive out
Speaker 2: to this trail that we can, you know, take a
Speaker 2: twenty five to thirty mile bike ride on, and we
Speaker 2: have this lovely time together. We're able to chit chat
Speaker 2: where in nature. There's all these ways. I think it's Yeah,
Speaker 2: if the average date and night costs one hundred and
Speaker 2: eighty nine dollars one, that's ridiculous. It's okay to spend
Speaker 2: that much on a date on occasion. But if that's average, Like,
Speaker 2: that's absurd, and you have I think too high of
Speaker 2: standards for what a date should entail. And there's all
Speaker 2: these ways to be intentional when you're dating, whether it's
Speaker 2: someone you're married to or you're not married to, that
Speaker 2: don't have to run the bill up nearly that high.
Speaker 1: Yeah, that's true, although occasionally you do want to go
Speaker 1: out for a fancy dinner and in those cases sometimes
Speaker 1: I mean, I'll be honest, that can be the average.
Speaker 1: It's not the average date night exactly. Yeah. I think
Speaker 1: about the really nice restaurant we love to go to
Speaker 1: and I'm like, we're dropping more than one hundred and
Speaker 1: eighty nine bucks, but all of our our other date
Speaker 1: nights are costing a whole lot less. It makes me so,
Speaker 1: this makes me think of did you see the stats
Speaker 1: on sports gambling? Talk about entertainment and just how dose
Speaker 1: people are spending money, and I saw the ridiculous stat
Speaker 1: of that. I think it was in the US alone
Speaker 1: last year and the past year that we've spent over
Speaker 1: one hundred and sixty five billion dollars on sports betting
Speaker 1: just that alone, which is more than like all other
Speaker 1: forms of entertainment combined. Essentially which is mind blowing.
Speaker 2: That was because, like I think, sometimes numbers get lost
Speaker 2: on us, right, like one hundred sixty five billion, hundred
Speaker 2: sixty five billion, that's that's a ton of money. But
Speaker 2: to think that it's more than people spend on like movies, books, concerts,
Speaker 2: sports tickets combined in a single year, that's how big
Speaker 2: this industry has gotten. And I I don't think we
Speaker 2: probably have different views on whether or not it's good
Speaker 2: for society or should people be allowed to do this,
Speaker 2: But I think if this is something that you know
Speaker 2: your friends are involved in, or you found yourself doing
Speaker 2: too much, man, just maybe go back and look at
Speaker 2: the past year and say how much did I actually
Speaker 2: spend on this? Because maybe you're not realizing how much
Speaker 2: money you've actually lost, because it's really easy to think
Speaker 2: about this couple of times you won maybe a big
Speaker 2: sum on a random bet that you made, but all
Speaker 2: those losses add up over time too, So go back
Speaker 2: and actually look at the facts. Because and for a
Speaker 2: lot of people, like they find themselves getting addicted to it, Matt, right,
Speaker 2: And so they're spending money to gamble on sports that
Speaker 2: they don't actually have, and they're going into debt for it,
Speaker 2: and that's what worries me to see that it's gotten
Speaker 2: to be this become this big of an industry. I
Speaker 2: think it's very worrisome as someone who cares about his community,
Speaker 2: cares about the people who live around him in this nation,
Speaker 2: and doesn't want them addicted to spending money they don't
Speaker 2: have on gambling. That is just like in hopes of
Speaker 2: a quick return.
Speaker 1: Yeah, Like it just leads to more degenerate sort of behavior, right,
Speaker 1: Like there's not much good that you get out of it. Like, oh,
Speaker 1: you go to a concert, Okay, that's like an event
Speaker 1: where typically you're going with some friends and there are
Speaker 1: memories that are that are formed as opposed to bets,
Speaker 1: which just feel like the bet in and of itself
Speaker 1: is the entertainment and then it's just gone, like once
Speaker 1: that bet is, once that thing's over. But yeah, couldn't
Speaker 1: agree more. Man, All right, Hey, let's let's take it. It's
Speaker 1: we're at twenty four minutes and thirty seconds is what
Speaker 1: I see right now, So we're gonna take a quick break.
Speaker 1: We've talked about what we've done over the summer. We've
Speaker 1: talked about where the show's headed next. So I guess
Speaker 1: We've got a few more stories we'll get to, including
Speaker 1: one quick listener question. This is kind of like a
Speaker 1: catch all random episode, but we'll get to all that
Speaker 1: right after this. So I was worried that you couldn't
Speaker 1: hear the music when I first played the intro at
Speaker 1: the very beginning of the show. But that's why I
Speaker 1: was just like, films, can you hear that? And then
Speaker 1: you were dancing and I was like, Okay, he can
Speaker 1: hear it now. Sometimes I dance when there's no music, Matt,
Speaker 1: that's just me dance like no one's watching, Joel. You
Speaker 1: know something else I realized too, is that typically on
Speaker 1: Monday episodes we are sharing a beer, but with this
Speaker 1: being digital and video, what you're drinking, buddy, do you
Speaker 1: have anything?
Speaker 2: I just have my Nalgene of just water he staying hydrated.
Speaker 1: I've got I've got an iced latte that I that
Speaker 1: I pulled. I pulled a shot ports and milk over ice,
Speaker 1: and I'm drinking that right over here. So that sounds delicious.
Speaker 1: That's kind of a fun little surprise because before we
Speaker 1: would agree on what we would drink. Now, if one
Speaker 1: of us wants to crack open a crack opened a brew,
Speaker 1: it'll be a surprise. Yeah, well so much. There's so
Speaker 1: many funny potential out uh like what do you call
Speaker 1: knock on effects of doing the video thing? That are
Speaker 1: adults starting to delight me.
Speaker 2: We still have some beers the a listener recently sent in,
Speaker 2: but I think there's two of each, so we'll have
Speaker 2: to have those.
Speaker 1: Oh okay, we can, we can coordinate those.
Speaker 2: Beer is always going to be a part of what
Speaker 2: we do because we love craft beer and we love
Speaker 2: like the message that we can portray through the love
Speaker 2: of craft beer.
Speaker 1: Yes. Also on another beer note, real quick, I didn't
Speaker 1: tell you this. When we were leaving the beach with
Speaker 1: you guys, we stopped at one of your favorite breweries
Speaker 1: that I had never been to yet, Two Tides. With
Speaker 1: the Two Tides, Oh my gosh, dude, that place is awesome,
Speaker 1: so cool. It's just such a cool like I don't
Speaker 1: know you described it this way before, but like an
Speaker 1: old bungalow on top of a commercial, that's exactly what
Speaker 1: it is. It's so weird.
Speaker 2: It's like they just plopped the all the separate rooms,
Speaker 2: like you're there's a game room and there's like a
Speaker 2: room with couches that they seem differently. Yeah, yeah, anyway,
Speaker 2: and the beers are just money. The beers are so good.
Speaker 1: And well it was a perfect one too because we
Speaker 1: stopped there and there's a coffee shop. Was the coffee
Speaker 1: shop open when you were there to the off to
Speaker 1: the side, I don't remember. It's it's in the same space,
Speaker 1: and so they kind of share like one big long corner. Anyway,
Speaker 1: it's called that's the coolest part of Savannah for sure.
Speaker 1: So cool. Yeah. But they I mean, they're they're pulling
Speaker 1: really good coffee drinks too, So I'm like, uh, thank
Speaker 1: you very much. I can stop in here, Kate and
Speaker 1: I can get drinks for the road, coffee drinks, Yeah,
Speaker 1: coffee drinks for the road, and then buy a bunch
Speaker 1: of beers to take home. Win win man. I was
Speaker 1: so happy about that. Anyway, wanted to mention that before
Speaker 1: you got to the next thing you wanted to talk about.
Speaker 1: All right, well, let's talk Let's talk about apple stuff
Speaker 1: for a bit, just because like, I'm curious what percentage
Speaker 1: of Americans use apple products. Now, it's got to be
Speaker 1: like really high, probably what three quarters of Americans use,
Speaker 1: Like an apple product in some way, form or fashion.
Speaker 2: There there's a lot of talk you finally converted. I converted.
Speaker 2: I would convert back, though I'm not, like I'm not
Speaker 2: really married to them. Yeah, if I found The reason
Speaker 2: I switched. I think I've mentioned this before is that
Speaker 2: the Google Pixels became like they jacked the price up.
Speaker 2: They used to have good Google Pixel phones for like
Speaker 2: two hundred and fifty bucks, and when they jacked it
Speaker 2: up to like five hundred bucks or four to fifty
Speaker 2: or whatever it was, I was like, hmm, the price
Speaker 2: gap is not significant enough yet in the same way
Speaker 2: that it used to be. But they still have better
Speaker 2: sales sometimes on Pickles pixels.
Speaker 1: So what I go back? I think I would if
Speaker 1: the right deal came along. But I'm happy where I
Speaker 1: am too. But there there's talk about the new Apple
Speaker 1: foldable phone that's just going to raise the price point
Speaker 1: oh my gosh, in general, right like, and people are
Speaker 1: going to think they need this new thing. I'm curious
Speaker 1: to hear what you think about this and its kind
Speaker 1: of the most recent price hikes. Well oh yeah, yeah, Well,
Speaker 1: first of all, like the footable phones, I think, do
Speaker 1: I say that they are going to start at two
Speaker 1: thousand dollars, Like that's crazy, that's it makes no sense
Speaker 1: to me, Like, I don't it feels like this is
Speaker 1: a solution looking for a problem to solve, Right, It's
Speaker 1: just it's like, oh, just because we can create this
Speaker 1: foldable screen, we're gonna we're gonna make a device that
Speaker 1: includes it. Like it just doesn't make sense because phones
Speaker 1: you can stick in your pocket, right, I'm not like, oh,
Speaker 1: I wish that was smaller and but also a little
Speaker 1: bit thicker, Like it's not the direction I'm going. And
Speaker 1: then if you're looking for a bigger screen, like that's
Speaker 1: why tablets exist, like an iPad. Right, So I just
Speaker 1: don't understand who I mean. I'm sure plenty of people
Speaker 1: will buy it, but I am definitely not interested, so
Speaker 1: much so that I recently purchased a reform phone and
Speaker 1: I did not wait for the new drop of the
Speaker 1: foldable iPhones because I got I've got zero interest in
Speaker 1: that at all.
Speaker 2: So anyway, yeah, yeah, and well, and Apple is big.
Speaker 2: You know, there's this type supply of memory that is
Speaker 2: essentially the culprit behind these price sikes that Apple just announced.
Speaker 2: Because right, we talked about the new Neo laptop that
Speaker 2: Apple is putting out put out into the world, and
Speaker 2: it seems like it's a great device. And it started
Speaker 2: at what six hundred bucks, and I think even college
Speaker 2: students could get it for five hundred bucks maybe, I
Speaker 2: mean it was it's a really student id Yeah, really
Speaker 2: inexpensive solid laptop. But the price on that's going up
Speaker 2: by one hundred bucks. The price on other products that
Speaker 2: Apple cells are going up by two two fifty. Like
Speaker 2: it's it's so expensive right to buy electronics, He says,
Speaker 2: for a while, we just saw, at least in a
Speaker 2: lot of the electronics orbit prices were declining, especially when
Speaker 2: you think about something like flat screens, TVs or so
Speaker 2: much competition. Those used people used to steal those matt
Speaker 2: because they were so expensive, And now why would you
Speaker 2: steal it? Like we'll get one for one hundred and fifty bucks,
Speaker 2: Like they're not that expensive. But the we're starting with
Speaker 2: the team right like, and I think I'm hoping that
Speaker 2: this causes people to think twice before they upgrade on
Speaker 2: some sort of set schedule. Yeah, like oh yeah, I
Speaker 2: get a new laptop every two years or something like that,
Speaker 2: because one the products are often they last longer, they're
Speaker 2: they're better made. But as the cost goes up, like
Speaker 2: the price of upgrading when you don't need to just
Speaker 2: it makes it feel like less of a slam dunk
Speaker 2: and more of like maybe I should hold onto this
Speaker 2: as long as I can so that I'm not working
Speaker 2: over money.
Speaker 1: I don't need to spend Yeah, one hundred percent. And
Speaker 1: again I want to reiterate, I just kind of I
Speaker 1: want to make it a point to encourage folks to
Speaker 1: consider Apple REFERB because we so I recently got one
Speaker 1: of those, because we are sort of taking my old
Speaker 1: phone and what do you call it, matriculating it through
Speaker 1: our family, and somebody else is going to be using
Speaker 1: that one. But I'm like, wait a minute, why would
Speaker 1: somebody buy a newer phone that has like one additional speck,
Speaker 1: like one additional on paper feature as opposed to when
Speaker 1: you buy REFERB At Apple. It's a new screen, it's
Speaker 1: a new battery, it's a new shell. Like, it's a
Speaker 1: pretty new phone except for perhaps the chip, which is
Speaker 1: why the prices of all the Apple products are going up.
Speaker 1: It's because of AI. It's all the chips are going
Speaker 1: to all the like hyperscalers, just going to all these
Speaker 1: AI buildouts and they're starting to see a shortagin. It's
Speaker 1: not just Apple, like, it's going to impact all the
Speaker 1: different electronics makers. So I appreciate that you didn't say
Speaker 1: this is an Apple thing, because it's They might be
Speaker 1: the first one to approach it this way from a
Speaker 1: strategic Hey, just so you know, heads up, that's their
Speaker 1: approach as opposed to other companies who are gonna try
Speaker 1: to follow suit. But I guess nobody wants to be
Speaker 1: the initial bearer of bad news. But yeah, when the
Speaker 1: advances that you see with the phones, when they're so minuscule,
Speaker 1: it does not make sense at all to upgrade regularly,
Speaker 1: which is one of the arguments for Have you seen
Speaker 1: the the like the least program that Apple rolled out?
Speaker 2: Yeah, yeah, if it's in the video right now, gun
Speaker 2: to my head because I saw that and I was like,
Speaker 2: that's I hate that.
Speaker 1: I hate that more than I hate almost anything. Yeah,
Speaker 1: And honestly, it would have kind of made sense ten
Speaker 1: years ago, right Like, there is a big difference between
Speaker 1: the iPhone three and the iPhone four, right. Yeah, I
Speaker 1: was like an Apple fanboy. I was lining up at
Speaker 1: the mall with my buddy Steve, like we like that
Speaker 1: was I was that guy, like the guy's people waiting
Speaker 1: in line that Yeah, one percent, I was all about it.
Speaker 1: It had the class. I think that was the first
Speaker 1: one with a.
Speaker 2: Glass back, dude that with huh oh, yeah it was
Speaker 2: were you camping out like days in advance?
Speaker 1: Now we weren't that hardcore, but we were there for
Speaker 1: like yeah, the morning of But that's so far in
Speaker 1: the past now, Like, who cares, It's all the same
Speaker 1: at this point.
Speaker 2: Well, I think I saw if you want, like the
Speaker 2: newest model of iPhone, iPhone seventeen, I don't know if
Speaker 2: I think seventeen pro something like forty six dollars a
Speaker 2: month to lease it over a year. Think about you're
Speaker 2: spending five hundred and fifty something dollars right to borrow
Speaker 2: the phone for a year and then to give it back. Yeah,
Speaker 2: and like it's just as to a quick calculator on
Speaker 2: the year as well, Joel, because we're not sitting there
Speaker 2: with our antiquated paper and pen.
Speaker 1: That's right, that's right. I get another thing I'm delighted by.
Speaker 1: All right, Sorry, we're trying to be new.
Speaker 2: School, but like that's the other thing is like you're
Speaker 2: mentioning that the upgrade cycle doesn't matter as much. I
Speaker 2: think we're seeing that people are holding onto their phones longer.
Speaker 2: So this Apple getting into leasing, I think it's going
Speaker 2: to incentivize some people because it seems like the easy thing.
Speaker 2: I don't have to actually make the purchase, because forty
Speaker 2: six dollars a month sounds better than nine hundred and
Speaker 2: fifty dollars or eight hundred dollars that you might spend
Speaker 2: or six hundred dollars on the REFERB phone. But ultimately
Speaker 2: you come out ahead. If you buy the five hundred
Speaker 2: and six hundred dollars REFERB phone and you hold on to
Speaker 2: it for forty years, that's going to be a much
Speaker 2: better cost, right that you pay. But it just means
Speaker 2: working over the money up front, having that money saved,
Speaker 2: instead of taking what feels like the easy route of
Speaker 2: the lease, which is ultimately going to cost you way
Speaker 2: more over time.
Speaker 1: Yeah, I couldn't you. Just you just need to not
Speaker 1: be on the like the cutting edge, like the vanguard, right,
Speaker 1: Like if you are right there, you're constantly getting blunted
Speaker 1: and just you're taking it on the chin. Yeah, pretty
Speaker 1: regularly I was thinking, just thinking about other things we
Speaker 1: received over there, over there over the summer regarding you know,
Speaker 1: news that impacts our money. Did you get an email
Speaker 1: from uh meta share so we have health sharing, you
Speaker 1: also have it as well. Did you get did you
Speaker 1: see the email about that they're getting rid of the
Speaker 1: healthy Intensive discount? I did. Oh. I hated that. I
Speaker 1: hate that. Hey, I hate that it's going to cost
Speaker 1: us more, but also I just hate that you're removing
Speaker 1: that carrot that they're dangling in front of folks to say, hey,
Speaker 1: if you know, if you are paying a little more
Speaker 1: attention to your health, it'll cost you a little bit
Speaker 1: less because it should cost the pool overall less money.
Speaker 1: And you know, they found that it didn't really help
Speaker 1: I guess all that much. It didn't make sense.
Speaker 2: But it surprises me because I used to work for
Speaker 2: an employer and they every year they had these like
Speaker 2: health metrics, and if you hit yeah some of these
Speaker 2: health metrics, then you got a discount on your insurance,
Speaker 2: like you paid less than other people. And that makes
Speaker 2: sense to me, right that healthy people. Ultimately, here's a
Speaker 2: questions the system less. Did you have to go in
Speaker 2: and get tested in person? Do they check your blood pressure.
Speaker 2: See that's the difference.
Speaker 1: And it's self reported, and I think there's a bunch
Speaker 1: of folks who are just kind of like, ah, it's
Speaker 1: close enough.
Speaker 2: Ouch, oh my my wist circumference is yeah, is it
Speaker 2: under thirty six cents?
Speaker 1: Yeah? Yeah, yeah, yeah it is. Yeah, that's yeah. It
Speaker 1: was like, uh, honey, you haven't worn a size thirty
Speaker 1: one since college? All right, right, yeah, I was zoned
Speaker 1: about that, you know, because that's one of the great
Speaker 1: ways that you can save when it comes as spending
Speaker 1: a little bit less on healthcare.
Speaker 2: But one hundred percent Okay. So this is obviously becoming
Speaker 2: it's a hotly debated political topic in our society, but
Speaker 2: it's also just something that's impacting people's bottom lines, like
Speaker 2: right and left across the country, the cost of health insurance.
Speaker 2: And there was a new stat that said one in
Speaker 2: four Americans are staying in a job that maybe they'd
Speaker 2: otherwise prefer to leave because of health insurance. Matt it
Speaker 2: is now, it's not the pension that's the golden handcuffs.
Speaker 2: It's having access to a decent health insurance plan through
Speaker 2: your employer that's really the golden handcuffs for a lot
Speaker 2: of people. I'm curious to hear your thoughts. I mean,
Speaker 2: it makes sense, Like I think, I think that's true,
Speaker 2: but I think like there's also it feels like you're
Speaker 2: between a rock and a hard place. There's not other
Speaker 2: great alternatives for most people when they do have a
Speaker 2: great health insurance plan and they would like to go
Speaker 2: do something different, how do they make it happen?
Speaker 1: Oh, I mean, I agree that that is the difficult
Speaker 1: situation we find ourselves in. It's the state of healthcare
Speaker 1: in the United States, and like there's a real benefit there.
Speaker 1: Like we were talking recently about the guy like it
Speaker 1: maybe think about the guy at Costco. Was in the
Speaker 1: journal that profiled the guy that is like I'm a
Speaker 1: millionaire because I worked at Costco and he's been there
Speaker 1: for for deck aids and decades and he one of
Speaker 1: the things he cited was the fact that, well, the
Speaker 1: benefits are so great, and he talks about I think
Speaker 1: his wife had brain cancer and then he had some
Speaker 1: issues and they took prolonged leaves of absence from work
Speaker 1: and it's a real benefit, right, And so we talk
Speaker 1: about the overall the total compensation package that you are
Speaker 1: receiving from your employer, not obviously just your your income,
Speaker 1: not just retirement. But yeah, man, you got to look
Speaker 1: at the you gotta look at the health benefits. And
Speaker 1: with that being I mean, that was something that they
Speaker 1: that was post World War two, right post it was
Speaker 1: after then there are limits set as to how the
Speaker 1: government set as to how much additional employers could pay.
Speaker 1: So what they were trying to do is find another
Speaker 1: way to compensate their employees without actually increasing their wages.
Speaker 1: And that's when the whole workplace sponsored health care provider
Speaker 1: health care was an option for folks. And I hate
Speaker 1: that it's a thing because it does leave folks tied
Speaker 1: up the positions jobs perhaps that they want to leave,
Speaker 1: and so it just makes it which does.
Speaker 2: Prevent economic dynamism and really kind of gunks up the
Speaker 2: gears a little bit. Yeah, for the ability for someone
Speaker 2: to say, hey, I want to go start a small business,
Speaker 2: and that's the hardest leap that most of them have
Speaker 2: to figure out, right, I think there's a lot of
Speaker 2: what you can save up enough money, you can have
Speaker 2: a great idea, you can have a working prototype, you
Speaker 2: can have a business partner, you can do all these
Speaker 2: things to get the ball rolling on your business, but
Speaker 2: then you're like, how are you going to do healthcare?
Speaker 2: And so typically inside of a marriage, that means one
Speaker 2: person has the steady job, right the W two nine
Speaker 2: to five that provides the health insurance, and then the
Speaker 2: other person is able to kind of go take that leap.
Speaker 2: But what if both people want to do that, Well,
Speaker 2: then you're like trying to conjure it together. And because
Speaker 2: of how expensive things the lack of subsidies, and how
Speaker 2: expensive it's become to buy healthcare on the open market
Speaker 2: on the exchange, like people are like, yeah, even at
Speaker 2: that price point, we can't afford to do that, Like,
Speaker 2: it just doesn't it just doesn't make financial sense. We
Speaker 2: have to stick with the job. And so I just
Speaker 2: wish that there were things we could do to, you know,
Speaker 2: reduce the cost of health insurance. But part of that
Speaker 2: is we've kind of done it to ourselves as a nation.
Speaker 2: And so now people feel this is what they're calling
Speaker 2: job block. You know, something like twenty three million adults
Speaker 2: saying like, no, I am locked into this because if
Speaker 2: I tried to make another move, it's just prohibitively expensive,
Speaker 2: or I'm leaving my family exposed to a lack of
Speaker 2: health access and to just the reality that's going to
Speaker 2: cost way more just I mean, I've talked to the
Speaker 2: beginning about my daughter breaking her wrist and how expensive
Speaker 2: that's going to be for us. And my wife has
Speaker 2: a job where if she would see a few more
Speaker 2: clients every week, she could potentially get health insurance insurance,
Speaker 2: which is you put on the pressure. No, I'm not,
Speaker 2: because like what we've decided is we've got We've tried
Speaker 2: to plan and be thoughtful about this, but it has
Speaker 2: taken a lot of planning and aful lot of thoughtfulness
Speaker 2: because it's so expensive and it's such a big part
Speaker 2: of our annual spend. But I know for a lot
Speaker 2: of people, like getting to that point is really difficult.
Speaker 2: It's it's too high of a hurdle, though over can be.
Speaker 2: That's the thing.
Speaker 1: I mean, it just depends on your I think your
Speaker 1: your your personal situation, what you've got going on, because
Speaker 1: that's the I think that's the other part of it too.
Speaker 1: As you're kind of talking through it. I don't want
Speaker 1: folks to think that it's inordinately expensive, because for some
Speaker 1: folks it may not be right, and so they have
Speaker 1: in their mind that oh, it's going to cost us. Oh,
Speaker 1: I don't even know what it's going to cost us.
Speaker 1: It's going to be, you know, just like an extraordinary
Speaker 1: amount of money. I just pulled up my budget and
Speaker 1: we spent one seven and fifty two dollars last year
Speaker 1: out of pocket on medical stuff. And that's aside from
Speaker 1: our I think it's three fifty roughly three fifty is
Speaker 1: what we spend a month. So you're talking about and
Speaker 1: so that is forty two hundred plus twelve, So you're
Speaker 1: looking at what's fifty four four hundred bucks. That's not
Speaker 1: nothing if we're if we're being totally honest with the audience,
Speaker 1: you avoid medical stuff at all costs, and you like
Speaker 1: your kids don't go to the dent Like I'm about
Speaker 1: to take my kids to the dentist tomorrow and I've
Speaker 1: checked in. I know what I'm paying. But it's one
Speaker 1: of those things where we try to do it every
Speaker 1: two years. Expensive. Huh does does most healthcare include orthodontia?
Speaker 2: Usually your your employer has a dental plan as well.
Speaker 2: The dental plans are, especially if you're buying it on
Speaker 2: your own, it's very rarely worth the cost it's just
Speaker 2: worth budgeting for the work that you're going to need
Speaker 2: and if you need something really really expensive. You know,
Speaker 2: we've talked about medical tourism before as being an option
Speaker 2: that more people are taking in. But yeah, I mean,
Speaker 2: I think for a lot of you, you're you're healthy,
Speaker 2: your family's mostly healthy, but and you have catastrophic coverage
Speaker 2: if something where to happen. It's there hoping pays out
Speaker 2: in terms of medical sharing companies, but like that's a
Speaker 2: little there's definitely a little bit of hope involved.
Speaker 1: There's definitely, yeah, there's definitely a risk. Yeah, and so
Speaker 1: that I mean that was last year. The year before
Speaker 1: twenty twenty four is one thousand bucks more so we
Speaker 1: spent roughly sixty five hundred total for coverage plus out
Speaker 1: of pocket. But I will say the year before that
Speaker 1: it was a lot less. It was we were in
Speaker 1: like the four thousand. That was maybe a cheaper year
Speaker 1: where we're like, ah, maybe we don't need to go in.
Speaker 1: But I'll tell you what it does make those telehealth
Speaker 1: visits incredible because it's like a twenty five dollar like
Speaker 1: we used to get it for free. But the ability
Speaker 1: to not have to leave your home like one of
Speaker 1: our daughters deals with strip like skin infection. She just
Speaker 1: I don't know, I'm like, gosh, wash your hands more
Speaker 1: or something like some people are just carriers, right, Like, Yes,
Speaker 1: people there's a certain set of population that always have
Speaker 1: a colony of staff bacteria on their skin, and so
Speaker 1: therefore when they get injuries, they're more likely to get
Speaker 1: an infection. But even still, the ability to not have
Speaker 1: to take the time to go in person when we
Speaker 1: know exactly what it is right to avoid a local
Speaker 1: uh physician, and to do the telehealth for twenty five bucks,
Speaker 1: like right then and there and then just head up
Speaker 1: to the store to get the antibotics. That helps to
Speaker 1: alleviate that a little bit. I know, not everybody wants
Speaker 1: to do. Yeah, clutch for some things. For other things
Speaker 1: that there's there's a lot of things you call the
Speaker 1: you'll telehealth about and they'll be like you need to
Speaker 1: go see somebody. Yeah, And then there's then there's some
Speaker 1: things where they really can be helpful. Yeah, totally all right,
Speaker 1: I agree.
Speaker 2: Should we uh, let's take a break, yeah, and and
Speaker 2: get to in just a second, we're gonna take a
Speaker 2: question from a listeners. This is normally our listener questions
Speaker 2: Monday episode and uh, and then we'll say Cyonara from
Speaker 2: our first YouTube fora.
Speaker 1: We would like Bevis to my head when we do that.
Speaker 1: I was channeling my inner. Uh Beavis, I think it?
Speaker 1: Does he have the top of here? I was gonna say,
Speaker 1: I don't know, No, I think Bevis is the one.
Speaker 1: He's the blonde hair guy. So that that would be you,
Speaker 1: what would be me? Yeah? Uh so yeah, like you
Speaker 1: said earlier, you want to go ahead and take the
Speaker 1: should go ahead and do the listener question. This is
Speaker 1: yet again new territory, new territory. We have never done
Speaker 1: this before, but I've got it queued up. Yes, Soul
Speaker 1: reached out to us and she wanted to Yeah, just
Speaker 1: kind of probe and ask us a few questions regarding
Speaker 1: us being able to take a break over the summer.
Speaker 3: Hi met and Joel's Yes, a little calling from Maryland.
Speaker 3: Here are just a couple questions, since I know you're
Speaker 3: looking for some freshies. First one is this summer will
Speaker 3: be one year since you're sabbatical, so I'm curious what
Speaker 3: are some ways that you continue to instill some changes
Speaker 3: that came from that sabbatical. And also what are some
Speaker 3: practices or shifts that you may have wanted but you didn't.
Speaker 3: Just an interesting thought experiment, just to help review your
Speaker 3: experiences from that time. And Second, if you could have
Speaker 3: your dream dinner party of personal finance folks alive or dead,
Speaker 3: who would you have Let's say you could invite up
Speaker 3: to five people. All right, Well, I hope you're doing well.
Speaker 3: Thanks again for everything you do on the podcast.
Speaker 1: Thanks bye, nice, thank you.
Speaker 2: Yes, well, okay, So Jesus talked about money. Can I
Speaker 2: include him as like a personal finance influencer he's yeah.
Speaker 1: At the top of the invite list. I guess yes, Yeah,
Speaker 1: Jesus he there are more parables about money than any
Speaker 1: other topic in the New Testament? Isn't that correct? I
Speaker 1: could be wrong.
Speaker 2: I believe so, and I think there's good, yeah, good
Speaker 2: reason for it, because it's really easy for us to
Speaker 2: get very attached to money and then get to the
Speaker 2: later on in our life and be like, why did
Speaker 2: I make that such a central part of things?
Speaker 1: You know?
Speaker 2: And that's part of the premise of in the purpose
Speaker 2: of the show is to put money in its proper place.
Speaker 1: Yeah. By the way, was Jesus Christ super savior one
Speaker 1: of our besties that we rolled over the summer or yeah,
Speaker 1: I think so, okay, well it was the Ancient Money
Speaker 1: Truth this or something that was from a couple of
Speaker 1: years ago that was a fun one. Yeah, okay, yes,
Speaker 1: well asked three questions. First of all, takeaways from last
Speaker 1: summers sabbatical that we are still kind of finding a
Speaker 1: way to incorporate into our lives now. Yeah, which you
Speaker 1: got anything?
Speaker 2: I think one of the things that we did coming
Speaker 2: back from last summer was to start making a plan
Speaker 2: for the next summer, for this past summer that just occurred,
Speaker 2: and and to say we want elements of that every summer,
Speaker 2: like we we don't want it to be one and done.
Speaker 2: And and the I would say the other thing, the
Speaker 2: kind of weekly rhythms that we started the institute after
Speaker 2: our sabbatical were our focused work time was very intentional,
Speaker 2: highly intentional, but it was it was reduced like we
Speaker 2: just like we we did not work on Fridays. I
Speaker 2: forget when exactly we started that, but.
Speaker 1: We also did that before last summer.
Speaker 2: But okay, I think it but then too, even just
Speaker 2: Monday through Thursday, like the way our days looked and
Speaker 2: were structured, just looked different so that it felt our
Speaker 2: lives felt a bit more RESTful and family oriented and
Speaker 2: and so just you know, what is it Parkinson's law
Speaker 2: where that the amount of time you give to work
Speaker 2: like it's gonna it's gonna take up the time. Yeah,
Speaker 2: and so if you reduce the time that you give
Speaker 2: to work, can you still be And obviously there's like
Speaker 2: a limit to that, right we I don't think we
Speaker 2: could record three excellent podcasts a week and dedicate three
Speaker 2: hours to it, like it wouldn't be very good. But
Speaker 2: the reality is we there were places where we could
Speaker 2: cut back, and so we in terms of time and
Speaker 2: some of the things that we gave our time to
Speaker 2: for work, and we're able to kind of become more
Speaker 2: optimized and efficient and still get just as much joy
Speaker 2: out of the work we're doing. I think creates something
Speaker 2: that's just as helpful for people and then at the
Speaker 2: same time have a little more like freedom in our
Speaker 2: regular routine.
Speaker 1: Yeah, no, I totally agree. Yeah. I think the biggest
Speaker 1: thing is the fact that at we essentially did something
Speaker 1: very similar this summer that we did last summer. So
Speaker 1: like last summer weeks, we we set it up more
Speaker 1: like a sabbatical, where like, I feel like this summer
Speaker 1: we worked a little bit more like little little bits
Speaker 1: here and there where we were just kind of like
Speaker 1: maintaining the business, Whereas last year I think we had
Speaker 1: bigger chunks of time where I know where I was
Speaker 1: completely shunned, like shun up from the from the actual.
Speaker 2: Work in order to a little more like shun unsheh exactly.
Speaker 1: It's more of a revolving window or revolving door this year.
Speaker 1: But last year I treated it personally, I treated it
Speaker 1: more like an actual sabbatical where I'm just like, cool,
Speaker 1: We've got a great show. We really like what we do,
Speaker 1: what we're doing here, I love how we're helping people.
Speaker 1: Is this the right thing to continue doing? Just like
Speaker 1: trying to step away from the actual work in order
Speaker 1: to gain perspective. Whereas this year it felt less like
Speaker 1: a subtle and I wouldn't even call it a sabbatical
Speaker 1: this year, as opposed to saying, man, we own our
Speaker 1: own business. We have put ourselves in the position to
Speaker 1: be able to take summers off. I want to be
Speaker 1: able to spend time with my family. Why not? And
Speaker 1: so this year just felt more it was less introspective,
Speaker 1: just as fun. And I want to say too, I guess, okay,
Speaker 1: here here's what wormon mind's that it makes me think about.
Speaker 1: You know how, back when we had kids, we put
Speaker 1: the date nights on the calendar, repeating every week and
Speaker 1: no matter what, even if you and so basically for
Speaker 1: folks that need to get caught up. One week, Kate
Speaker 1: and I would have a date night, You would come
Speaker 1: over babysit the kids. The next week, you and Emily
Speaker 1: would go out on a date night. I would watch
Speaker 1: your house, watch your kids. But we did not move
Speaker 1: that unless it was list somebody was out of town.
Speaker 1: Basically like we always did it. And we did that
Speaker 1: for ten years, and there already there were days when
Speaker 1: I didn't want to do that, or Kate and I
Speaker 1: weren't like yeah, mostly because you didn't want to watch
Speaker 1: my kids. No, no, not not that like came and I
Speaker 1: were like not on speaking turn Now we weren't on
Speaker 1: not speaking terms. But sometimes you just don't be like
Speaker 1: going out on a date. Right. But the fact that
Speaker 1: it was baked into the calendar, it was baked into
Speaker 1: our schedules and rhythms and routines, and you know what
Speaker 1: that meant that you were going to be coming over
Speaker 1: at whatever it was, seven thirty seven o'clock. I don't know.
Speaker 1: I can't remember when we used tod what time we
Speaker 1: would do seven thirty. Yeah, because we put the kids,
Speaker 1: that's right, when they were younger at that point. But
Speaker 1: then guess what, because we went out on that date night,
Speaker 1: it caused Kate and I to grow closer together, and
Speaker 1: so the structure of that was incredibly beneficial, I know
Speaker 1: for mine and Kate's relationship. I'm sure you would say
Speaker 1: the same thing. And in a similar way, that's how
Speaker 1: I feel about this summer from last summer. Like last summer,
Speaker 1: it's just like I think we need to do this,
Speaker 1: like let's let's try this out, let's experiment, let's see
Speaker 1: this summer It's like, oh, let's do it. And because
Speaker 1: it was there, I was certainly looking forward to it,
Speaker 1: but I was able to approach it in a way
Speaker 1: that I think almost there were times that I was
Speaker 1: receiving things from this summer break that I think I
Speaker 1: appreciated more because we did it last summer, right, And
Speaker 1: like I'm just thinking about at one point at the beach,
Speaker 1: our kids were all maybe that was this, Like the
Speaker 1: last night, they were all running. They had just gotten
Speaker 1: into shoving mass. We were pushing each other into the inlet.
Speaker 1: It was funny, and their kids were getting hurt whatever.
Speaker 1: We were walking back down the beach. This is in
Speaker 1: the evening, like sunsetting, and there are just this gaggle
Speaker 1: of kids all together. They're all friends. You see the relationship,
Speaker 1: And like I was able to zoom out a little
Speaker 1: bit now, I was able to say to myself, this
Speaker 1: is so good. And I was able to not just
Speaker 1: like view it like through my eyes, but almost to
Speaker 1: see myself in that situation. And I found that I
Speaker 1: was appreciating that in a way that I haven't in
Speaker 1: the past. In that last year, It's like I was
Speaker 1: striving for that maybe in the past, whereas now, having
Speaker 1: practiced it a little bit, I'm able to recognize that
Speaker 1: in a way that I appreciate it just more fully.
Speaker 1: Does that make sense? Yeah, okay, yeah, I'm not sure
Speaker 1: if I communicated that well, But that's just what sometimes
Speaker 1: come ahead. It takes a rhythm, right of doing something
Speaker 1: to where you can edge a level deeper into the
Speaker 1: impact that I can have money right, And so there
Speaker 1: was something I think about this summer that we approach
Speaker 1: it with like a less like kind of a existential
Speaker 1: like what are we doing and where are our lives
Speaker 1: going from here? And more of like this is like
Speaker 1: a rhythm we're going to institute that is good for
Speaker 1: us as individuals, good for our families, good for our business,
Speaker 1: good for us. Like, dude, I'm chomping at the bit,
Speaker 1: like I'm so excited to be back and to try
Speaker 1: video now and to like see where this where what
Speaker 1: we do can go. Because the whole goal behind this,
Speaker 1: the whole goal of our show is for us to
Speaker 1: have a good time, but also the main main goal
Speaker 1: is to help and serve other people. Yeah, and so
Speaker 1: if we can offer advice that leads to life change,
Speaker 1: and we get emails all the time from listeners and
Speaker 1: it's so edifying for us to be like, wow, amazing,
Speaker 1: you've been listening and it's helped you, it's impacted you.
Speaker 1: Like that's at the end of the day. All we
Speaker 1: can ask, right is that not to have the biggest
Speaker 1: audience ever, not that YouTube's gonna make us Internet famous,
Speaker 1: could care less, but that this show would have impact
Speaker 1: on the people who listen, that it would help them
Speaker 1: understand and think through whatever's going on in their finances
Speaker 1: better so that they can live a healthier life and
Speaker 1: have a healthier relationship to their money. At the end
Speaker 1: of the day, that's that's what I care about. And
Speaker 1: I think that time away gives me a better perspective
Speaker 1: towards it that you can't get when you're just in
Speaker 1: it day in and day out. You need a little
Speaker 1: bit of time away, better appreciate, be able to approach it. Yeah, yeah,
Speaker 1: appreciation then and approach a healthy approach to it. It's yeah.
Speaker 1: It kind of makes me think of travel too, Like
Speaker 1: the first time you go on vacation abroad is different
Speaker 1: than the second time you do it, because like the
Speaker 1: second time, like there's just little tricks and little things
Speaker 1: that you do and you're able to appreciate. Like you
Speaker 1: come back from the first one and you're like, ah,
Speaker 1: I wish we'd have done more that. I wish we'd
Speaker 1: have done more of that, And there's just a level
Speaker 1: of appreciation for it as opposed to trying to force
Speaker 1: it the first time. I feel like this time, I'm like, oh,
Speaker 1: last year I said that I want to enjoy more
Speaker 1: time with my kids. I was still learning how to
Speaker 1: do that, you know, because there's times where I'm just like, well,
Speaker 1: I got some time. I'm just gonna take on this
Speaker 1: massive project out out in the yard, and I'm like,
Speaker 1: you know, beasting it for two weeks, as opposed to
Speaker 1: being like, oh no, that's actually slowed down and what
Speaker 1: does it actually look like to spend time with the kids.
Speaker 1: Appreciate that time. It's it's connecting more of what I
Speaker 1: say that I want and what I value to Like
Speaker 1: last year, it's like it was like I don't know,
Speaker 1: there's some distance. But now I'm like, oh, it's like
Speaker 1: it's getting closer to what I what I'm claiming right.
Speaker 1: There's less cognitive dissonance, which is always a good feeling
Speaker 1: when you are living in a way, when you're living
Speaker 1: in a way that aligns naturally with your values. But
Speaker 1: and I think so often that's what creates just a
Speaker 1: lot of anxiety and hardship in people's lives, is the
Speaker 1: gap between what they say the want and the way
Speaker 1: they're living. I know it does for me, Yes, I
Speaker 1: know it does for me. Like that's those are the
Speaker 1: places where I need to lean into and be formed
Speaker 1: and like and hopefully have like make to make different
Speaker 1: attempts and a different approach in the future so that
Speaker 1: I can become more of the person who like the
Speaker 1: things that I say align with the things that I do. Yeah, okay,
Speaker 1: So anything that you did last summer that you didn't
Speaker 1: do that you wish you could do better, A better job,
Speaker 1: you got anything there? Just skip that part.
Speaker 2: Yeah, I'm trying to think if there's anything I wish
Speaker 2: I could done better. I think no, I don't think so, Like,
Speaker 2: I don't think there was anything.
Speaker 1: Joel's like nailed it.
Speaker 2: I will say the thing that I really clocked that
Speaker 2: I liked. I liked the travel and some of the
Speaker 2: little trips that we did. We didn't have as much.
Speaker 2: My wife's working more this summer, so we didn't have
Speaker 2: as much ability to travel, so I was hanging with
Speaker 2: the kids more, doing more like you know, pool hangs
Speaker 2: and little day stuff. But the thing that I and
Speaker 2: I love that slight difference, But the thing that I
Speaker 2: really like more than more than anything. I think a
Speaker 2: lot of times, like we we make travel seem like
Speaker 2: it's the greatest thing in modern history. Like to be
Speaker 2: able to take big trips is like that's everyone's goal,
Speaker 2: it seems like. Sometimes so there's like travel poor and
Speaker 2: travel lust, and you want to be able to do that, right,
Speaker 2: don't you want to travel?
Speaker 1: Right? Right?
Speaker 2: Yeah, I'd like to travel as much as the next person.
Speaker 2: But there's something great about the rhythms of not working
Speaker 2: and being at home and having some of that time
Speaker 2: is a beautiful thing. And so don't assume that just
Speaker 2: because you're not working, you've got to like be on
Speaker 2: a plane and go somewhere.
Speaker 1: Yeah, yep, yeah, we did a better job. But I
Speaker 1: mean last year we intentionally wanted to have a longer
Speaker 1: road trip, which we'd never done. We definitely did not
Speaker 1: do that this summer. Still had a still had a
Speaker 1: good time. Okay, real quick. She mentioned the personal finance
Speaker 1: people that you would have over for dinner. Who would
Speaker 1: that be? We've already mentioned Jesus Christ.
Speaker 2: Yes, yeah, And so I was trying to not go
Speaker 2: to metal with it in my answer because I was like, oh,
Speaker 2: you could do like Warren Buffett and stuff, But I
Speaker 2: don't think he's not like a I don't think personal
Speaker 2: he's like any research this business and find where there's
Speaker 2: untap value, right essentially, But would I like to hang
Speaker 2: out with Warren Buffett, Yeah, of course, for sure, who
Speaker 2: wouldn't what a He's close interesting war Buffet, human maybe,
Speaker 2: But I'm gonna go with like my best friends in
Speaker 2: the personal finance space who I think are also really smart.
Speaker 2: So I put our buddy Chad Carson, who's really smart
Speaker 2: about real estate in there, our friend Jesse Kramer. Love,
Speaker 2: that dude lives up in Rochester, New York, doing some
Speaker 2: great stuff and he's just a great guy, so I'd
Speaker 2: love to hang out with him. The mad scientist who
Speaker 2: we got to visit in person in Scotland. Brandon Love
Speaker 2: hanging out with that guy, Justin Peters, who's runs the
Speaker 2: podcast five Minded, fantastic guy, really thoughtful, ask gay.
Speaker 1: Question and literally runs as well. Which is where my
Speaker 1: little like I feel like the folks. I'll be honest,
Speaker 1: I don't consume a whole lot of virtually any personal
Speaker 1: finance content, and I don't know if that makes me
Speaker 1: a pariah within the personal finance space, the fact that like, oh,
Speaker 1: he doesn't support the other the other folks, but like
Speaker 1: I want to the folks I would want to have
Speaker 1: over are the Okay, Morgan Housel, I'll totally have him
Speaker 1: over because he does so much research and has such
Speaker 1: great stories and ties it to what's going on. I
Speaker 1: just love him as a storyteller. I would love just
Speaker 1: to sit there and pepper him with questions and have
Speaker 1: him tell me stories. But besides that, I'm thinking of
Speaker 1: people who I know, and the reason I would want
Speaker 1: to hang with him is because I'm interested in what
Speaker 1: they're into outside of personal finance. And so for instance,
Speaker 1: justin Peters, he's a runner. Who else did you mention?
Speaker 1: Oh Brandon, He's so into craft beer that like, and
Speaker 1: music and music and and so like, like it makes
Speaker 1: me think of like even Carl Mindy's Carl Jensen, and
Speaker 1: like he takes on these home projects and he calls it.
Speaker 1: What does he call it? Like something tourism, like building
Speaker 1: tourism or something like he like he'll go visit a
Speaker 1: friend for a month, work on a project with him
Speaker 1: and him that's fun. I'm like, dude, that kind of
Speaker 1: sounds awesome, Like that's that's my kind of fun because
Speaker 1: I'm I try to be hanged. I like doing stuff
Speaker 1: around the house. But he's using his financial independence in
Speaker 1: an interesting way. Yes, yeah, absolutely, I think the closest
Speaker 1: I get to actual personal finance content. Like, honestly, I
Speaker 1: think about Jordan Grummitt doc G because anytime I've listened
Speaker 1: to him recently, like he is grappling with the kind
Speaker 1: of stuff that I'm starting, the kind of questions that
Speaker 1: I'm starting to ask, which is spending the money that
Speaker 1: you've saved and invested over the years, in decades and
Speaker 1: being okay with that? And I sense like a type
Speaker 1: of peace that he has, not that I'm anywhere near,
Speaker 1: Like he's so much wealthier than I am, but I
Speaker 1: love how he's talking about feeling comfortable with spending large
Speaker 1: amounts of money and without necessarily being like, oh, but
Speaker 1: we're going to maintain this in order to generate this
Speaker 1: kind of revenue. Is there's a certain level of trust
Speaker 1: and letting go that you have to get to that
Speaker 1: I feel like he's arrived at. So anytime he talks
Speaker 1: about stuff like that, I try to see if I
Speaker 1: can give it a listen or read it.
Speaker 2: But our buddy Chad, he's into soccer, he's into sabbaticals,
Speaker 2: and he's into building bike paths and biking, so like,
Speaker 2: there's just so much in common with these people that
Speaker 2: we mentioned you're right. I think I hadn't really thought
Speaker 2: about that. But yeah, the reason I like them is
Speaker 2: because they have They're really thoughtful, They've got varied interests
Speaker 2: that they pursue a whole, like they're all in on it,
Speaker 2: you know. And because of that, they're fascinating. It's not
Speaker 2: people and so it's.
Speaker 1: Yeah, we're not sitting around talking about roth iras like no,
Speaker 1: until we're talking about all the other stuff outside of
Speaker 1: what we talk about day and day out on the show.
Speaker 1: And to me, like and it just drives home the
Speaker 1: point of what's money for. It's to do awesome things.
Speaker 1: It's not to have whatever you know, net Worth placard
Speaker 1: on your wall and to be like I finally did it,
Speaker 1: I hit my number. No, it's about all the other
Speaker 1: real life, amazing things that you can do with that money,
Speaker 1: the lives that you can impact. How did you get
Speaker 1: and teach your kids, how you can improve your community,
Speaker 1: Like that's what it's all about, man, And anytime I
Speaker 1: see somebody doing that, well, I want to do that. Well, right,
Speaker 1: I'm trying to think of like I can't think of
Speaker 1: any like other Dad. I feel like we're like solidly
Speaker 1: in the dad personal finance space or whatever. But like
Speaker 1: any dudes out there doing that, I would love to.
Speaker 1: I'd probably want to have more for dinner and talk
Speaker 1: about like dad stuff, Like, hell, how are you talking about? Oh, yes,
Speaker 1: we do have money kids, but also you need to
Speaker 1: work and go out there and kill your own thing
Speaker 1: and bring it home and cook it right, Like, how
Speaker 1: do you find that balance between providing for them, not
Speaker 1: spoiling them, and being able to provide them, hopefully with
Speaker 1: a better life than what it is that we had.
Speaker 1: Not that there's anything wrong with our lives growing up,
Speaker 1: but like we're always striving to be better. Right.
Speaker 2: So I was just just talking to my oldest who
Speaker 2: just turned thirteen. So I have a teenager now, which
Speaker 2: I don't feel old enough to be the dad of
Speaker 2: a teenager, but I am. And we're talking about when
Speaker 2: I started working, and I started working at fourteen at
Speaker 2: a fast food restaurant, and so she was like, well,
Speaker 2: can I get a job on fourteen? And I'm like, yeah,
Speaker 2: you can totally get a chap when you're fourteen. That
Speaker 2: sounds great, And so we're gonna be thoughtful about that
Speaker 2: and how much do you work and what does that
Speaker 2: look like, and are you going to try to do
Speaker 2: an entrepreneurial thing? Are you going to go to try
Speaker 2: to work somewhere and learn stuff. I ran into Matt
Speaker 2: just the other day. This guy who managed was a
Speaker 2: manager at the restaurant I worked at I was fourteen. Yeah.
Speaker 2: I took a selvy with him. I'll show you the picture,
Speaker 2: and he was like it, just show.
Speaker 1: Me now, can you pull it up? Is it? What?
Speaker 1: Did it take too long?
Speaker 3: You know?
Speaker 1: I can't. Well, I think what you're pointing to while
Speaker 1: I'm just gonna I'll buy you some time, is that
Speaker 1: these are the things that we're wrestling with day in
Speaker 1: and day out, and so because of that, those are.
Speaker 2: The say that I love it. That's so cool, dude,
Speaker 2: Like that's Jason, and Jason's the man. And I learned
Speaker 2: so much working for people like Jason as an idiot
Speaker 2: fourteen year old. And I was like, Jason, do you
Speaker 2: remember how all were? And he was very kind, He's like,
Speaker 2: you weren't that dumb? And I'm like, yeah, wo I
Speaker 2: know it was.
Speaker 1: I know, I know. I was like, I'm not that
Speaker 1: smart now, so you know, yeah, I had to have
Speaker 1: been down there.
Speaker 2: It wasn't the five to fifteen an hour that I made,
Speaker 2: although that wasn't insignificant, but it was it was that
Speaker 2: those kinds of relationships, and it was the It was
Speaker 2: learning how to be a good worker, how to interact
Speaker 2: relationally with coworkers, how to not be as much of
Speaker 2: an idiot. Those are the things that really moved the
Speaker 2: needle for me. Fourteen fifteen, sixteen year old working.
Speaker 1: That's what you learn.
Speaker 2: And I think when you put too much emphasis on
Speaker 2: school and academics, there should be a big emphasis there, right,
Speaker 2: it's really important. We don't minimize that in our house,
Speaker 2: but we do say that it like to be a
Speaker 2: fully well rounded human. I do think does she have
Speaker 2: to start working at fourteen?
Speaker 1: No? But will she need to start working by like
Speaker 1: sixteen and be like her head pointed in that direction? Yeah, yeah,
Speaker 1: I think there's other ways to do it as far
Speaker 1: as like there are also ways even like our daughter
Speaker 1: who's also about to turn thirteen, but she's got like
Speaker 1: a regular babysitting gig, and so when it comes to
Speaker 1: communicating well with that family or responding in a quasi
Speaker 1: professional way, showing up on time, you know, like the
Speaker 1: first few times, it's like She's supposed to be over
Speaker 1: there at like five pm or something like that, and
Speaker 1: she it's like five pm. She's like, oh, I got
Speaker 1: to get over there. I'm like, oh, you're late, Like
Speaker 1: you need to be there, you know, just me saying
Speaker 1: that and then her seeing the maybe the response. You know,
Speaker 1: they're very kind, but if they were just like, Okay, yeah,
Speaker 1: think we're gonna get out of here. You know, it's
Speaker 1: seven alo, you know whatever, it's it's five o'clock. So
Speaker 1: just some of those little lessons can also be learned
Speaker 1: in a more sort of casual work environment as opposed
Speaker 1: to full on W two job. But yeah, that's cool.
Speaker 1: It's fun that you ran into him. We are running
Speaker 1: longer than I was expecting. We're just over an hour here,
Speaker 1: and you got anything else you want to share before
Speaker 1: we know?
Speaker 2: But I think we there were some good elements that
Speaker 2: are going to push people towards the video, Like if
Speaker 2: you want to see that picture of me, we.
Speaker 1: Did so much show and telling baby, I love it. Yeah, yeah, so.
Speaker 2: Come check us out on on YouTube. If you want
Speaker 2: to keep listening to audio, that's great too.
Speaker 1: I love We'll continue for audio in my ears, so
Speaker 1: we'll continue pumping it out and yeah, just so folks know,
Speaker 1: we're I mean, we're manually sticking that over on YouTube
Speaker 1: ourselves as well. It's not like because iHeart doesn't have
Speaker 1: that built in. It's not like Spotify where it's like
Speaker 1: built in and you can choose whether you're gonna do
Speaker 1: audio or video. So this is at least for now.
Speaker 1: I think it'd be awesome if if I I mean,
Speaker 1: I think this is fun, and maybe I Heart will
Speaker 1: see the value in it and they'll start incorporating it
Speaker 1: into the feed somehow. Perhaps Yeah, I don't really know,
Speaker 1: but but yeah, I think we will continue this. What
Speaker 1: do you think sounds good? Now? This was good? O? Good?
Speaker 1: I enjoyed it.
Speaker 2: I'm looking forward to being back full on in the
Speaker 2: fall and take more of your money questions. And if
Speaker 2: you have those money questions, howdomoney dot com slash ask
Speaker 2: is the place to go to submit those voice memos
Speaker 2: and yeah, send them with us. Tell your friends about
Speaker 2: how to Money. Yeah, it's a good place to be
Speaker 2: hang out with us more.
Speaker 1: The channel is how to Money pod over at YouTube
Speaker 1: how to Money Pod. I'm queuing up the exit music.
Speaker 2: Okay, so can I go ahead and say that's going
Speaker 2: to do for this episode until next time. Best Friends Out,
Speaker 2: Friends Out,