1 00:00:00,160 --> 00:00:02,880 Speaker 1: One eight hundred d UI Away now offering free remote 2 00:00:02,880 --> 00:00:06,280 Speaker 1: consultations by phone or video conference for any criminal offense. 3 00:00:06,360 --> 00:00:09,000 Speaker 1: Trust Brooke, Jeffrey and Jose's friends with a free remote 4 00:00:09,000 --> 00:00:12,159 Speaker 1: consultation from Bradley Johnson Lawyers. Visit one eight hundred d 5 00:00:12,200 --> 00:00:16,520 Speaker 1: Uyowa dot com or call eight hundred away time for 6 00:00:16,560 --> 00:00:19,840 Speaker 1: your phone tap. And today we attempt to do something 7 00:00:20,200 --> 00:00:24,480 Speaker 1: that we've never done on this show before. Okay, trying 8 00:00:24,560 --> 00:00:31,040 Speaker 1: to make financial literacy funny. I don't know what financial literacy. Yeah, 9 00:00:31,040 --> 00:00:33,479 Speaker 1: I'll be honest. When I was in the middle of 10 00:00:33,520 --> 00:00:37,320 Speaker 1: doing this call, I was thinking, this is going exactly 11 00:00:37,320 --> 00:00:41,520 Speaker 1: how I thought it would, kind of boring. Oh whoa, 12 00:00:41,720 --> 00:00:45,519 Speaker 1: that's what a tease can't wait to do. So I 13 00:00:45,560 --> 00:00:49,080 Speaker 1: said something I probably shouldn't have, and it changed the 14 00:00:49,120 --> 00:00:52,040 Speaker 1: course of the conversation. I'm a little embarrassed about it now, 15 00:00:52,080 --> 00:00:55,000 Speaker 1: but you'll hear what I said in your brand new 16 00:00:55,040 --> 00:00:59,720 Speaker 1: phone tap right now. It's another taps on the twenties. 17 00:01:00,120 --> 00:01:06,600 Speaker 1: Tell me I'm five. Hello, Hi, my name's Riley. Are 18 00:01:06,600 --> 00:01:10,520 Speaker 1: you Lucas? This is him? How can I help you? Hey, Lucas. 19 00:01:10,800 --> 00:01:13,479 Speaker 1: I work over in corporate HR and I was hoping 20 00:01:13,520 --> 00:01:16,000 Speaker 1: to chat with you about something for a second. Yeah, sure, 21 00:01:16,000 --> 00:01:18,800 Speaker 1: of course, what's up? As you know, the company sent 22 00:01:18,880 --> 00:01:22,399 Speaker 1: out an email recently regarding financial literacy. You might remember 23 00:01:22,520 --> 00:01:24,120 Speaker 1: it asked a bunch of questions about four oh one 24 00:01:24,200 --> 00:01:28,800 Speaker 1: k's and hsas and stuff like that. Yeah, I remember. Great. 25 00:01:29,319 --> 00:01:33,040 Speaker 1: So it turns out you actually did very well on it. 26 00:01:33,160 --> 00:01:37,039 Speaker 1: You really know your stuff, really, Yeah you did. I 27 00:01:37,080 --> 00:01:38,920 Speaker 1: mean I'm looking over it right now. It turns out 28 00:01:39,160 --> 00:01:41,600 Speaker 1: you're investing in your four oh one K, you picked 29 00:01:41,600 --> 00:01:44,240 Speaker 1: a modest medical plan, so you're a really good role 30 00:01:44,240 --> 00:01:46,960 Speaker 1: model for some of our other employees. I don't know 31 00:01:47,040 --> 00:01:48,560 Speaker 1: who to say. I mean, I try to be pretty 32 00:01:48,560 --> 00:01:50,800 Speaker 1: good at it, and you know the company matches, so 33 00:01:51,200 --> 00:01:54,160 Speaker 1: it's good stuff. Well, your instincts are right on, and 34 00:01:54,280 --> 00:01:57,120 Speaker 1: that's why management wanted to know if you might consider 35 00:01:57,160 --> 00:01:59,480 Speaker 1: being a part of a mentorship program that we're going 36 00:01:59,560 --> 00:02:02,960 Speaker 1: to be starting up here. You're sure that they want me. 37 00:02:03,120 --> 00:02:04,880 Speaker 1: I mean, I know some things, but not enough to 38 00:02:04,920 --> 00:02:08,040 Speaker 1: actually tell other people about it. I think you'd actually 39 00:02:08,080 --> 00:02:10,760 Speaker 1: be perfect. And the idea is you're going to be 40 00:02:10,760 --> 00:02:14,200 Speaker 1: paired up with another employee that maybe isn't as good 41 00:02:14,240 --> 00:02:16,760 Speaker 1: with their money as you are. I just don't want 42 00:02:16,760 --> 00:02:19,800 Speaker 1: them to be like a conflict of interest or or 43 00:02:19,880 --> 00:02:22,200 Speaker 1: someone like if you know, if it's a if it's 44 00:02:22,200 --> 00:02:24,800 Speaker 1: my team leader, I feel like that might be I 45 00:02:24,800 --> 00:02:27,079 Speaker 1: don't know, maybe maybe a little strange. But I mean, 46 00:02:27,160 --> 00:02:29,960 Speaker 1: if it's coming from corporate, then excuse my French, but 47 00:02:30,080 --> 00:02:34,200 Speaker 1: is your whole tight? Lucas, I'm sorry, did you just 48 00:02:34,240 --> 00:02:37,280 Speaker 1: say is my whole tight? Because it's a really simple thing. 49 00:02:37,440 --> 00:02:39,919 Speaker 1: I mean, I'm not asking you to do rocket science here. 50 00:02:39,960 --> 00:02:42,520 Speaker 1: It's more like checking to see if they're spending all 51 00:02:42,560 --> 00:02:44,840 Speaker 1: their money on lobster dinners every night when they should 52 00:02:44,880 --> 00:02:47,280 Speaker 1: be buying McDonald's. But you know they're going to listen 53 00:02:47,320 --> 00:02:49,800 Speaker 1: to you because you're a peer instead of us up 54 00:02:49,800 --> 00:02:53,679 Speaker 1: at corporate. Sure, I mean, all right, so you're on board, then, 55 00:02:55,280 --> 00:02:57,840 Speaker 1: I guess so that's the team spirit then I'm looking for. 56 00:02:57,960 --> 00:03:00,240 Speaker 1: So here's how it's going to work. To help your 57 00:03:00,280 --> 00:03:03,080 Speaker 1: co workers. We're going to be supplementing them with some 58 00:03:03,120 --> 00:03:06,079 Speaker 1: of your pretax income. All right, so you're giving them 59 00:03:06,080 --> 00:03:08,400 Speaker 1: my money. I mean, yeah, but don't worry, it's not 60 00:03:08,400 --> 00:03:10,760 Speaker 1: going to be a lot. Probably no more than fifteen 61 00:03:10,800 --> 00:03:13,960 Speaker 1: percent of your paycheck. That's the max. No, I wasn't 62 00:03:13,960 --> 00:03:16,400 Speaker 1: aware that this was going to be a financial implication 63 00:03:16,480 --> 00:03:19,079 Speaker 1: for myself. Yeah, all right, So it sounds like I 64 00:03:19,120 --> 00:03:23,240 Speaker 1: was right earlier. Your pole is tight. Okay, sir, Yes, 65 00:03:23,360 --> 00:03:25,560 Speaker 1: I guess my hole is tight. If that's what you 66 00:03:25,600 --> 00:03:27,679 Speaker 1: wanted to say, We're not going to spend this whole 67 00:03:27,720 --> 00:03:30,919 Speaker 1: conversation talking about the tightness of your poll. Okay, let's 68 00:03:30,960 --> 00:03:33,000 Speaker 1: get back to what we were discussing earlier, the thing 69 00:03:33,000 --> 00:03:35,640 Speaker 1: you already agreed to, and that's helping out. Yeah, but 70 00:03:35,640 --> 00:03:38,520 Speaker 1: you're saying that you're taking my money. That sounds crazy. 71 00:03:38,640 --> 00:03:41,280 Speaker 1: I'm not gonna just listen. In order for the mentors 72 00:03:41,280 --> 00:03:44,520 Speaker 1: to really care during this program, we found it to 73 00:03:44,520 --> 00:03:47,400 Speaker 1: be more effective if they use their own money because 74 00:03:47,400 --> 00:03:50,920 Speaker 1: then there's higher stakes in it. Then pay me more money. Sorry, 75 00:03:50,920 --> 00:03:54,320 Speaker 1: that's not how the program works. Unfortunately, corporate's really holding 76 00:03:54,360 --> 00:03:56,600 Speaker 1: tight onto that. Well, of course corporate wants to hold 77 00:03:56,640 --> 00:03:58,480 Speaker 1: them into their own money, but they want to spend 78 00:03:58,520 --> 00:04:01,680 Speaker 1: my money and some ridiculed program. And that is the 79 00:04:01,920 --> 00:04:07,360 Speaker 1: definition financially response. Correction, it's not your money, it's their money. Now. 80 00:04:07,640 --> 00:04:10,880 Speaker 1: I gotta be honest, I'm not enjoying the looks and 81 00:04:11,000 --> 00:04:13,880 Speaker 1: the optics of this program, and I well, now, yeah, 82 00:04:13,920 --> 00:04:15,920 Speaker 1: I'm gonna have to say no, I need you to 83 00:04:16,040 --> 00:04:19,120 Speaker 1: unclench because you already consented, you know. Can you stop 84 00:04:19,240 --> 00:04:21,359 Speaker 1: with the clenching and the unclenching and the peak of 85 00:04:21,400 --> 00:04:25,839 Speaker 1: the pulls and everything just very unprofessional. I don't like it. Fine, 86 00:04:25,920 --> 00:04:29,280 Speaker 1: you've already said bubbles are out now clenchings off limits too. 87 00:04:29,600 --> 00:04:32,080 Speaker 1: You're a very demanding person, I have to say, and 88 00:04:32,120 --> 00:04:34,360 Speaker 1: I hope you bring that type of mentality with you 89 00:04:34,520 --> 00:04:36,800 Speaker 1: when we start this program on Monday. You're going to 90 00:04:36,839 --> 00:04:39,719 Speaker 1: see it reflecting in your paycheck. No, I haven't agreed 91 00:04:39,760 --> 00:04:42,600 Speaker 1: to this. Well, I'm not agreeing. I'm sorry to correct 92 00:04:42,640 --> 00:04:44,599 Speaker 1: you here, but you already did agree to it. And 93 00:04:44,640 --> 00:04:48,160 Speaker 1: I'm recording this phone call, so I have proof you're 94 00:04:48,200 --> 00:04:50,800 Speaker 1: recording this phone call. You're trying to set me up 95 00:04:50,800 --> 00:04:52,840 Speaker 1: from this, that's right, I am. Well, I didn't give 96 00:04:52,960 --> 00:04:55,560 Speaker 1: permission to that either. I didn't need permission from you. 97 00:04:55,640 --> 00:04:58,039 Speaker 1: I got it from your coworker Josh, because he wanted 98 00:04:58,080 --> 00:05:00,440 Speaker 1: to set you up for a prank phone call. What 99 00:05:00,880 --> 00:05:02,800 Speaker 1: this is actually a joke. My name is Jeffrey from 100 00:05:02,800 --> 00:05:04,560 Speaker 1: the radio show Brooke and Jeffrey in the Morning. And 101 00:05:04,560 --> 00:05:08,400 Speaker 1: we're doing a phone tap on you. Oh my god. Yeah, 102 00:05:08,480 --> 00:05:10,680 Speaker 1: your co worker job set you up. He said your 103 00:05:10,720 --> 00:05:13,400 Speaker 1: company made all the employees do some sort of financial 104 00:05:13,440 --> 00:05:16,000 Speaker 1: literacy test and that you were all worked up about it, 105 00:05:16,040 --> 00:05:18,160 Speaker 1: so he wanted to mess with you. It was stupid, 106 00:05:18,160 --> 00:05:19,800 Speaker 1: and I know I didn't do well on it, so 107 00:05:19,839 --> 00:05:22,400 Speaker 1: this was breaking me out. You didn't do that bad. 108 00:05:22,480 --> 00:05:24,680 Speaker 1: I mean, there's some lady over in accounting who's going 109 00:05:24,760 --> 00:05:26,760 Speaker 1: to be using your money to buy a new PS five. 110 00:05:27,400 --> 00:05:30,400 Speaker 1: I'd be proud of that. Fine, well, then she needs 111 00:05:30,440 --> 00:05:34,920 Speaker 1: to let me play it that all right? Wake up 112 00:05:34,960 --> 00:05:37,880 Speaker 1: every morning with phone tab weekday mornings on the twenties, 113 00:05:38,000 --> 00:05:40,159 Speaker 1: Holy two point five