WEBVTT - Friday Flight - Robots Ruining Everything, A New Robinhood Feature, & Kim Kardashian's Crypto Kerfuffle #408 0:00:00.080 --> 0:00:02.680 Welcome to Had the Money. I'm Joel and I and 0:00:02.800 --> 0:00:06.280 Matt and today we're talking about robots ruining everything, a 0:00:06.360 --> 0:00:29.080 new robin Hood feature, and Kim Kardashian's crypto kerfuffle. All 0:00:29.080 --> 0:00:31.400 you needed to do is throw Kanye into that last 0:00:31.400 --> 0:00:33.720 headline and you would have had a bunch of alliteration 0:00:33.760 --> 0:00:37.200 and showing on. Uh. Now, this is our Friday flight 0:00:37.240 --> 0:00:39.440 where every week we look at the headlines and we 0:00:39.479 --> 0:00:42.479 talk about not how they influence our music, but how 0:00:42.520 --> 0:00:44.960 they impact our finances. We're gonna talk about how it 0:00:45.040 --> 0:00:46.839 impacts our money. By the way, I did try to 0:00:46.880 --> 0:00:49.680 listen to the new Kanye album, partially because he recorded 0:00:49.680 --> 0:00:52.159 it here in Atlanta. I got through the first few 0:00:52.159 --> 0:00:53.800 tracks and then they weren't bad, but there were twenty 0:00:53.840 --> 0:00:55.600 seven tracks. I'm like, Kanye, I don't have that kind 0:00:55.600 --> 0:00:59.120 of time. I was seeing something how literally he had 0:00:59.200 --> 0:01:01.240 changed the number of tracks they were on that album 0:01:01.360 --> 0:01:05.720 because pulled one back. It's just like, wait, what is 0:01:05.760 --> 0:01:08.600 going on here? And honestly, I think he's kind of 0:01:08.600 --> 0:01:10.640 a genius marketer and and I think it's all in 0:01:10.760 --> 0:01:13.000 an attempt to get people like us to talk about it. 0:01:13.080 --> 0:01:15.800 And if so, he succeeded, and so with that in mind, 0:01:15.840 --> 0:01:18.479 I'm not going to talk about it anymore. Instead, actually 0:01:18.480 --> 0:01:21.319 I wanted to talk about I wanted to share that, dude, 0:01:21.360 --> 0:01:25.959 I scored my Chase Sapphire Preferred points. I hit my 0:01:26.000 --> 0:01:28.480 minimum spend, which is that's a hundred thousand points, right, 0:01:28.480 --> 0:01:30.679 a hundred Yeah, so I saw my my total pointed 0:01:31.360 --> 0:01:35.679 shoot over one hundred thousand, which is equivalent to over 0:01:36.760 --> 0:01:39.640 fifty dollars. But here's the thing, so they were kind 0:01:39.640 --> 0:01:41.920 of unclear in the language. You don't you can't actually 0:01:42.000 --> 0:01:45.520 get a check for one d and fifty dollars statement 0:01:45.560 --> 0:01:48.000 credit though, right, well, yeah, statement credit. But they don't 0:01:48.040 --> 0:01:50.000 make it super easy like it used to be like 0:01:50.040 --> 0:01:51.760 in the past, or were some other cards. You could 0:01:51.800 --> 0:01:54.600 just apply that total balance to your statement. But the 0:01:54.640 --> 0:01:56.480 way that they're doing it, you have to go through 0:01:56.520 --> 0:02:00.480 and click different charges that you want to apply it too. 0:02:01.400 --> 0:02:03.440 It's a little sneaky. It's it's kind of a hoop 0:02:03.480 --> 0:02:05.040 that you have to jump through, still more than when 0:02:05.040 --> 0:02:07.480 you're talking about getting Yeah, big of a benefit, but 0:02:07.560 --> 0:02:09.679 that yeah, that's a sneaky way to approach it. Yeah, 0:02:09.800 --> 0:02:11.600 I mean it took all of ninety seconds just to 0:02:11.680 --> 0:02:14.560 run through a bunch of purchases, mostly being able to 0:02:14.600 --> 0:02:17.720 apply it to like restaurants and um, grocery stores, that 0:02:17.800 --> 0:02:20.600 kind of thing. That being said, you can actually received 0:02:20.720 --> 0:02:23.200 just straight cash back, but it's the reduced amount. It's 0:02:23.240 --> 0:02:26.520 only uh one dollars as opposed to that bonus two 0:02:26.960 --> 0:02:29.440 fifty that you also get. So obviously I went for 0:02:29.440 --> 0:02:33.560 that bonus. I got that. That that's all it takes. 0:02:33.760 --> 0:02:35.920 Uh And so if you haven't checked out the Chase 0:02:35.960 --> 0:02:38.720 Sapphire Preferred, I mean, it is a complete no brainer. 0:02:38.760 --> 0:02:40.760 There has never been a credit card like this that 0:02:40.800 --> 0:02:44.000 was offering such an incredible sign up bonus. If you 0:02:44.040 --> 0:02:46.919 don't struggle with overspending when you get a fresh new 0:02:46.919 --> 0:02:49.799 credit card like that, we would highly recommend you look 0:02:49.800 --> 0:02:51.560 into this card. If it was just for like a 0:02:51.680 --> 0:02:54.280 hundred bucks or twohundred bucks, this isn't something we would 0:02:54.280 --> 0:02:56.079 be talking about. But the fact that it is over 0:02:56.160 --> 0:02:58.640 one tho it's twelve fifty if you apply it to 0:02:58.639 --> 0:03:01.920 actual purchases that you've made with that card, and that 0:03:02.040 --> 0:03:04.600 is just some serious value that you can't ignore. For sure, 0:03:04.840 --> 0:03:07.040 it's pretty solid. It's been around now for a minute. 0:03:07.080 --> 0:03:08.760 We're not sure how long it's gonna allow us. Yeah, 0:03:08.919 --> 0:03:11.320 it's definitely the richest sign up on us we've seen 0:03:11.560 --> 0:03:13.760 for the card that we already kind of talked about 0:03:13.760 --> 0:03:16.119 in like but Matt, let's keep moving on. Let's let's 0:03:16.120 --> 0:03:18.200 get to the Friday flight. Let's talk about the stories 0:03:18.600 --> 0:03:20.880 that happened this week and how they impact all of 0:03:20.880 --> 0:03:24.080 our collected wallets. And you know, last week we actually 0:03:24.080 --> 0:03:27.000 talked about you waiting to get the new iPhone. You know, 0:03:27.040 --> 0:03:28.760 you you that's right. You wanted the new one to 0:03:28.800 --> 0:03:30.720 be released so you can get the prior version, not 0:03:30.840 --> 0:03:32.760 at a reduced price exactly, not to get that third team, 0:03:32.800 --> 0:03:35.920 It's because I want a discount itself, exactly. And it 0:03:35.960 --> 0:03:39.200 looks like that announcement is going down next week that 0:03:39.520 --> 0:03:42.160 you might be buying a phone next week. Man. But yeah, 0:03:42.320 --> 0:03:44.760 that is great news for everybody who wants to pay 0:03:44.880 --> 0:03:48.720 less for a new but not very new model phone. 0:03:49.080 --> 0:03:51.840 And there was actually a study done this week by 0:03:51.840 --> 0:03:55.760 wallet hub about iPhone upgrade habits that had some revealing information. 0:03:55.960 --> 0:03:58.560 They found that one in three people plan on getting 0:03:58.560 --> 0:04:01.400 the new iPhone this year, and that one in five. 0:04:01.760 --> 0:04:03.400 It's a lot, there's a lot of people. And then 0:04:03.440 --> 0:04:06.560 one in five think that it's worth going into debt for. 0:04:07.080 --> 0:04:09.400 And that was also a lot of people, more than 0:04:09.400 --> 0:04:12.040 I would like to hear. Yeah, exactly, Like I feel like, 0:04:12.320 --> 0:04:13.920 can we just say right now on how the money? 0:04:14.000 --> 0:04:16.960 But it's a hard no going in debt to get 0:04:17.000 --> 0:04:20.320 a new device. There are especially if you're like man 0:04:20.400 --> 0:04:23.159 going gung ho and getting the nicest device, But really, 0:04:23.160 --> 0:04:25.520 no matter which way you slice it, going into debt 0:04:25.600 --> 0:04:28.400 to buy a new electronics item, it's just a no no. 0:04:28.600 --> 0:04:31.960 We would never ever suggest anyone do it for really 0:04:32.160 --> 0:04:34.880 any reason. Absolutely. I mean honestly, I don't think taking 0:04:35.080 --> 0:04:37.920 on debt for anything that is going to depreciate is 0:04:37.960 --> 0:04:40.760 ever a good idea. Right investments only, that's when you 0:04:40.800 --> 0:04:43.160 can use leverage to your advantage, dude. One of the 0:04:43.320 --> 0:04:46.400 stats I found most revealing is that of people in 0:04:46.440 --> 0:04:50.040 the survey on wallet hub, they say that they're judging 0:04:50.040 --> 0:04:51.919 you basically if you don't have the latest version of 0:04:51.920 --> 0:04:55.320 the iPhone. They believe that not having the newest and 0:04:55.360 --> 0:04:59.760 hottest phone is a sign that you are actually struggling financially. 0:05:00.000 --> 0:05:02.479 I know those iPhone people are judging us Android people anyway, 0:05:02.560 --> 0:05:04.320 so I'm used to it. But what about the Yeah, 0:05:04.360 --> 0:05:06.240 I mean, if they're judging people who don't have the 0:05:06.279 --> 0:05:08.520 latest phone, I can't imagine how many people are actually 0:05:08.600 --> 0:05:11.880 judging me with the piece that I've been carrying around 0:05:11.880 --> 0:05:14.200 for so long. But really, man, this they've got it backwards. 0:05:14.279 --> 0:05:16.719 This all goes back to the millionaire next door. The 0:05:16.720 --> 0:05:19.839 folks who are actually building wealth are the ones who 0:05:19.880 --> 0:05:22.640 have money in the bank, money in their retirement accounts. Uh. 0:05:22.680 --> 0:05:24.760 They're the ones who are saving and investing their money, 0:05:24.760 --> 0:05:28.280 not constantly upgrading their gadgets and uh buying things to 0:05:28.440 --> 0:05:31.280 display to signal to others that they've got their finances 0:05:31.279 --> 0:05:33.880 that they've got their money together. That's true. Yeah, the 0:05:33.960 --> 0:05:36.240 more you're doing that, the less money you actually have. 0:05:36.640 --> 0:05:39.280 And so it looks like to other people you've got money, 0:05:39.279 --> 0:05:41.599 but in reality you don't have as much as the 0:05:41.600 --> 0:05:44.440 people who aren't living as flashy of a lifestyle. There's 0:05:44.440 --> 0:05:46.720 actually some other cool news about the iPhone this week, 0:05:46.760 --> 0:05:50.320 math that I found actually more compelling than the release 0:05:50.360 --> 0:05:53.400 of the newest one, and it's that Apple is testing 0:05:53.440 --> 0:05:56.479 out using your I D on your phone in a 0:05:56.480 --> 0:05:58.520 handful of states. In our state of Georgia is in 0:05:58.560 --> 0:06:00.760 this pilot program Yeah, they're one of like two states 0:06:00.760 --> 0:06:02.880 that they're gonna implement it first, in which I'm super 0:06:02.880 --> 0:06:05.440 stoked about. Yeah, that's super cools. Like this move basically 0:06:05.440 --> 0:06:06.919 like when you go to the airport now, instead of 0:06:06.920 --> 0:06:10.960 pulling out your physical driver's license, you can just leave 0:06:11.000 --> 0:06:13.159 your wallet at home and bring your phone and show 0:06:13.160 --> 0:06:15.680 it to T s A and keep walking through the line. 0:06:16.320 --> 0:06:19.800 The actual rollout data is still to be determined, but yeah, 0:06:19.800 --> 0:06:22.359 we'll mention it get on the show and further details 0:06:22.440 --> 0:06:25.240 get rolled out. Yeah. Again, Sadly, for me as an 0:06:25.240 --> 0:06:27.040 Android user, this is not something I'll be able to 0:06:27.080 --> 0:06:30.520 take advantage of, but it's cool to see our phones 0:06:30.560 --> 0:06:34.599 that are really doing everything. Now they're replacing our flashlights 0:06:34.680 --> 0:06:37.480 or replacing our calculators, and now they're gonna replace our 0:06:37.560 --> 0:06:40.239 wallets because we can already pay with something like Google 0:06:40.279 --> 0:06:42.240 to Pay, and now being able to put your license 0:06:42.279 --> 0:06:44.120 on there as well. It's like, I love my wallet, 0:06:44.160 --> 0:06:46.280 but what do I need it for? Now? All I 0:06:46.360 --> 0:06:47.920 need is my phone just to be able to whip 0:06:47.920 --> 0:06:50.920 out a little pocket knife, to be able to cut 0:06:50.960 --> 0:06:53.000 little things that I need, open you know, packages, that 0:06:53.080 --> 0:06:54.919 kind of thing. But is this enough for you to 0:06:55.000 --> 0:06:57.520 maybe jump on the bendwagon and get a knife phone. 0:06:57.560 --> 0:06:59.559 And you think I don't. I don't think so, because 0:07:00.000 --> 0:07:01.600 it's gonna come to Android at some point too, right, 0:07:01.760 --> 0:07:05.160 I don't know my well, but like that is honestly 0:07:05.200 --> 0:07:07.120 the only reason that I still carry about all at 0:07:07.120 --> 0:07:09.400 around is because my ideas in there. Just you know, 0:07:09.440 --> 0:07:11.440 when you're going to the liquor store, if you're at 0:07:11.440 --> 0:07:14.960 a restaurant, you get carded, which honestly happens less often. 0:07:15.000 --> 0:07:16.560 Now do you like whence the last time you got carded. 0:07:16.560 --> 0:07:17.880 I don't have as many gray hairs as you, so 0:07:17.880 --> 0:07:21.080 it's understandable if you're getting carded less. But also to you, 0:07:21.200 --> 0:07:22.680 if I've got a bunch of kids with me, like, 0:07:22.720 --> 0:07:25.040 they never card me. When you've got four kids, four 0:07:25.080 --> 0:07:26.960 kids into they're like, okay, there's no way that's a 0:07:27.000 --> 0:07:29.400 bold move to card you. That's a really bold move. 0:07:30.360 --> 0:07:33.000 There's no need for that, that's true. Let's talk about 0:07:33.160 --> 0:07:36.640 security issues here, Joel. Targeted ads are being served up 0:07:36.680 --> 0:07:40.080 to you on your television. We've talked before on the 0:07:40.080 --> 0:07:42.880 show about how TVs are getting smarter, and not just 0:07:42.960 --> 0:07:45.880 when it comes to allowing you to stream content from 0:07:45.920 --> 0:07:48.480 pretty much anywhere. Now, but TVs are are now gathering 0:07:48.600 --> 0:07:51.840 data on what you're watching when you're watching it. Uh 0:07:51.880 --> 0:07:53.680 And honestly, this is part of the reason too that 0:07:53.720 --> 0:07:57.440 TVs have become so much more affordable over the past 0:07:57.480 --> 0:07:59.920 several years, is because these manufacturers are able to make 0:08:00.240 --> 0:08:02.480 money based on the data that they that they gather 0:08:02.560 --> 0:08:04.720 and sell. When it comes to the TVs, now, not 0:08:04.840 --> 0:08:07.760 only are we the consumer, we're the ones making the purchase, 0:08:08.200 --> 0:08:11.600 buying the products, buying the streaming services, buying the devices, 0:08:11.800 --> 0:08:14.800 but we are also the product ourselves because our data 0:08:15.080 --> 0:08:18.200 is being sold to these different data companies that sell 0:08:18.400 --> 0:08:22.880 that information. But Consumer Reports has a great article documenting 0:08:22.920 --> 0:08:26.200 the fact that tailored ads are now the norm when 0:08:26.200 --> 0:08:29.840 we're watching streaming content, just like the bespoke ads you 0:08:29.880 --> 0:08:32.040 get when browsing the web that are based on your 0:08:32.040 --> 0:08:34.760 browsing history, You're likely to have a similar experience the 0:08:34.800 --> 0:08:37.200 next time you sit down to watch something via an 0:08:37.240 --> 0:08:39.920 ad supported streaming app. Honestly, the only one I can 0:08:39.920 --> 0:08:41.960 think of that I use all that often is YouTube 0:08:42.000 --> 0:08:44.880 if I'm trying to look something up on YouTube, I've 0:08:44.920 --> 0:08:48.000 realized how much I've gotten used to not having ads, 0:08:48.040 --> 0:08:51.000 because when you are paying for certain services like Disney Plus, 0:08:51.000 --> 0:08:53.800 like there aren't any ads, But with YouTube, when I 0:08:53.800 --> 0:08:57.200 get that free information, they're always dishing up whatever tailored ads. 0:08:57.320 --> 0:09:00.120 I guess fits the profile of my browsing. My my 0:09:00.160 --> 0:09:02.199 wife was watching something the other day and a commercial 0:09:02.240 --> 0:09:04.840 popped on and I was like, what's going on? Like, 0:09:04.880 --> 0:09:07.520 what are you watching that has commercials? So we like 0:09:07.559 --> 0:09:09.760 we watched streaming things they don't have commercials, and she 0:09:09.840 --> 0:09:11.840 was like, I'm watching the show Ship's Creek and I 0:09:11.880 --> 0:09:14.240 was like, cool. Did you know that we have my 0:09:14.280 --> 0:09:16.760 parents Netflix log in and it's on there and you 0:09:16.760 --> 0:09:18.800 don't have to watch ads? And she was like oh. 0:09:19.240 --> 0:09:21.839 She was sometimes like where you watch depends on whether 0:09:21.840 --> 0:09:24.120 you're gonna get ads right, and so if she was 0:09:24.160 --> 0:09:26.440 watching on the wrong streaming service and watching commercials for 0:09:26.480 --> 0:09:29.160 no reason. But I think the creevious thing about that 0:09:29.280 --> 0:09:32.559 article was someone from a media company saying that they 0:09:32.559 --> 0:09:35.280 know which physical stores you've spent time in and that 0:09:35.400 --> 0:09:38.040 they use that information to feed you ads to basically 0:09:38.080 --> 0:09:40.040 like if you were at Best Buy for forty five minutes, 0:09:40.160 --> 0:09:42.319 we know it. It's like, oh my gosh, it's so weird. 0:09:43.080 --> 0:09:45.160 It's it kind of feels like what don't they know 0:09:45.200 --> 0:09:47.240 about us at this point in time? And U Yeah, 0:09:47.240 --> 0:09:50.640 by the way, they're serving up these targeted ads through 0:09:50.800 --> 0:09:54.079 what's known as a c R, or automated content recognition, 0:09:54.640 --> 0:09:57.199 So it's even creepier mat that the TV makers can 0:09:57.200 --> 0:09:59.840 figure out exactly what you're watching, even if you're not 0:10:00.000 --> 0:10:02.480 watching something connected to the Internet, even if it's just 0:10:02.640 --> 0:10:06.240 a DVD, because they're taking still pictures along the way 0:10:06.280 --> 0:10:09.520 while you're watching it, and there's they're using that that 0:10:09.640 --> 0:10:12.679 data as well. So yeah, what's a person to do. Well, 0:10:12.920 --> 0:10:15.800 Um Consumer Reports again, who did a lot of great 0:10:15.800 --> 0:10:18.240 work on this front. They've got a guide to turning 0:10:18.360 --> 0:10:21.440 that a c R feature off on your specific TV 0:10:22.160 --> 0:10:24.800 if you'd like your viewing habits to remain more private. 0:10:24.960 --> 0:10:27.559 I don't know that there's any way to completely get 0:10:27.559 --> 0:10:30.040 everything back in the bag, but you can do the 0:10:30.080 --> 0:10:32.240 best you can by turning this off on your TV. 0:10:32.559 --> 0:10:34.960 And they've got like different models and how you do that. 0:10:35.440 --> 0:10:38.080 So it's worth checking out if this creeps you out 0:10:38.120 --> 0:10:40.600 as much as it does Matt and I, yeah, well 0:10:40.640 --> 0:10:42.280 I say it creeps me out and then I don't 0:10:42.320 --> 0:10:43.959 like it. But then at the same time, sometimes when 0:10:43.960 --> 0:10:46.680 I get you know, dished up a very customized ad 0:10:46.720 --> 0:10:49.400 on Instagram and something's on sale. I say, oh, oh, 0:10:49.440 --> 0:10:52.240 that's awesome. I'm glad I know that because that's actually 0:10:52.280 --> 0:10:54.880 I made a purchase the last fall on a jacket 0:10:55.160 --> 0:10:57.959 that was served up to me within my Instagram feed, 0:10:58.120 --> 0:10:59.600 and they wouldn't have been able to do that without 0:10:59.600 --> 0:11:02.000 my data. Right, that's true. All right, let's talk about 0:11:02.000 --> 0:11:04.319 travel for a second. Trip stacking. Have you ever heard 0:11:04.320 --> 0:11:06.319 of this term. It's like a new phrase that has 0:11:06.559 --> 0:11:09.760 entered the phrase just this week. This is fascinating, it's 0:11:09.800 --> 0:11:11.840 it's it's totally a thing now. A friend of the show, 0:11:11.880 --> 0:11:15.120 Scott Kais, was interviewed for a New York Times article 0:11:15.120 --> 0:11:17.920 about trip stacking this week. It's a super interesting concept, 0:11:17.960 --> 0:11:20.760 and I see the appeal in the current travel environment. 0:11:20.960 --> 0:11:23.480 The idea is that you book two trips over the 0:11:23.520 --> 0:11:25.280 same period of time, and then you go on the 0:11:25.320 --> 0:11:28.560 trip that seems like the most viable as you get 0:11:28.559 --> 0:11:31.360 closer to the departure date with because because like one trip, 0:11:31.440 --> 0:11:33.800 maybe the borders are close and you can't exactly one 0:11:33.800 --> 0:11:35.320 of the places that you're trying to get, or there's 0:11:35.320 --> 0:11:38.360 a spike in COVID, maybe in your you know, destination stating, 0:11:38.360 --> 0:11:41.000 and you're like, maybe not I go there, maybe next year. 0:11:41.320 --> 0:11:43.560 And so ultimately how this works is that you're gonna 0:11:43.600 --> 0:11:46.120 take both trips, but you'll just push one of those 0:11:46.160 --> 0:11:49.520 trips back aways on your calendar, cross your fingers. Maybe 0:11:49.600 --> 0:11:51.760 next year things will be all right. But before you 0:11:51.800 --> 0:11:53.440 take this approach, you need to make sure that you 0:11:53.520 --> 0:11:56.200 understand that there are some downsides. You need to make 0:11:56.200 --> 0:11:59.520 sure that you go about trip stacking in the proper way. Yeah, exactly, 0:11:59.559 --> 0:12:01.840 because if you don't, you might end up taking one 0:12:01.880 --> 0:12:04.600 trip for the price of two that is not ideal 0:12:04.679 --> 0:12:06.600 and that that would in in fact be a giant 0:12:06.600 --> 0:12:09.440 waste of money. But yeah, basically, if you book two 0:12:09.480 --> 0:12:12.800 trips and the airline cancels, of course you're entitled to 0:12:12.880 --> 0:12:16.080 a refund. But if you cancel those tickets then the 0:12:16.120 --> 0:12:19.680 airline will typically offer you a travel voucher. And so 0:12:19.760 --> 0:12:21.280 where you could really be out of money is if 0:12:21.280 --> 0:12:23.520 you fail to use that voucher in the allotted time 0:12:23.600 --> 0:12:26.800 given to you by the airline. For most airlines, if 0:12:26.800 --> 0:12:29.640 you canceled that trip, if you book that trip this year, 0:12:31.240 --> 0:12:33.959 you'll have use of that voucher to book another trip 0:12:34.280 --> 0:12:37.280 through December thirty one of next year, so you've got 0:12:37.280 --> 0:12:39.920 time to take another trip, but just make sure you're 0:12:39.960 --> 0:12:43.120 aware of the specific rules surrounding that voucher. But if 0:12:43.160 --> 0:12:46.160 you have booked with airline Miles and then you cancel, 0:12:46.360 --> 0:12:48.000 then you get all your miles back if you don't 0:12:48.040 --> 0:12:50.680 take that second trip, So that's probably the best option. 0:12:50.920 --> 0:12:53.320 Booking with Miles is going to offer you superior protection. 0:12:53.520 --> 0:12:55.720 But I love this idea of trip stacking math. It 0:12:55.720 --> 0:12:57.360 sounds like a big pain in one way to try 0:12:57.360 --> 0:12:59.520 to play in two trips at once and then cancel 0:12:59.600 --> 0:13:02.280 one and rebook it for a later date. But if 0:13:02.440 --> 0:13:04.560 you are dying to travel and you want to do 0:13:04.600 --> 0:13:06.760 so safely, it seems like one of the best ways 0:13:06.800 --> 0:13:10.040 to kind of head your bets. That's right, And fortunately 0:13:10.080 --> 0:13:13.120 the major airlines are allowing for just more flexibility that 0:13:13.160 --> 0:13:17.079 they don't normally offer for their cheapest basic economy fairs, 0:13:17.240 --> 0:13:18.920 And so if you buy a ticket this year, you 0:13:18.960 --> 0:13:21.960 won't have to pay a change fee, although you might 0:13:21.960 --> 0:13:24.280 owe a little bit more money if there's a difference 0:13:24.360 --> 0:13:26.520 in the fair, and so that's something to keep in mind. 0:13:26.600 --> 0:13:29.200 And so yes, trip stacking this could be a helpful 0:13:29.240 --> 0:13:32.320 strategy to plan for vacations. That way, you know you've 0:13:32.320 --> 0:13:35.040 got some time planned off work on this make sure 0:13:35.120 --> 0:13:38.080 is that that vacation doesn't end up a staycation because 0:13:38.120 --> 0:13:40.480 you can't actually or don't want to actually go to 0:13:40.679 --> 0:13:43.520 the destination you had in mind. All right, Joel, We've 0:13:43.559 --> 0:13:44.959 got a few more stories that we're wanna get to 0:13:45.160 --> 0:13:48.600 right after the break, including that Kardashian crypto kerfuffle. We'll 0:13:48.600 --> 0:13:59.680 get to that plus others right after this break. All right, 0:13:59.679 --> 0:14:01.800 we're from the break and it is time to get 0:14:01.840 --> 0:14:04.320 to one of our favorite segments of all time. It 0:14:04.400 --> 0:14:07.160 is the ludicrous headline of the week. And of course, Matt, 0:14:07.200 --> 0:14:10.160 this one is Kim Kardashian related. Um, one of your 0:14:10.200 --> 0:14:14.160 favorite Americans, right, your favorite Kardashian specifically, right, So, well, 0:14:14.760 --> 0:14:16.560 now I think Chloe is probably my favorite, Matt. If 0:14:16.559 --> 0:14:19.240 you're not, I don't even know how. I literally don't know. Yeah, 0:14:19.280 --> 0:14:22.000 I know there's those two, right, Yeah, I couldn't name 0:14:22.040 --> 0:14:23.720 the other ones, I don't think, but um, yeah, So 0:14:23.760 --> 0:14:27.960 here's the headline, Kim Kardashian and Cryptofomo why regulators are 0:14:28.040 --> 0:14:31.920 worried And this one comes from CNN Business. Kim Kardashian, 0:14:31.920 --> 0:14:34.480 as it turns out, has over two hundred and fifty 0:14:34.560 --> 0:14:37.440 million followers on Instagram. She just she that feat recently, 0:14:37.440 --> 0:14:41.080 So congratulations, Kim, we are I believe nipping at your 0:14:41.120 --> 0:14:44.160 hills with twelve six hundred. I am not one of 0:14:44.200 --> 0:14:47.680 these Kim Kardashian Instagram followers, but yeah, more proper to 0:14:47.680 --> 0:14:49.920 her for, you know, doing what she's doing and apparently Matt. 0:14:50.000 --> 0:14:54.200 She recently released a sponsored Instagram post hyping up a 0:14:54.280 --> 0:14:59.360 fairly new cryptocurrency coin, and that post made ripples not 0:14:59.480 --> 0:15:01.640 just here in the US, but across the pond, because 0:15:01.760 --> 0:15:04.120 when you're Kim Kardashian, you make that big of a splash, 0:15:04.280 --> 0:15:07.280 and it drew some harsh comments from a regulator in 0:15:07.440 --> 0:15:10.880 the UK. His name's Charles Randall, he basically said, which 0:15:10.920 --> 0:15:15.920 is like the most British name ever, Charles Randol. And uh. 0:15:15.960 --> 0:15:18.400 He basically was like, the Internet's full of crap and 0:15:18.680 --> 0:15:21.440 he's right on that too. But yeah, while we agree 0:15:21.520 --> 0:15:24.240 that there is some terrible investing advice out there, We've 0:15:24.280 --> 0:15:28.040 talked about this. Some of the influencers out there on TikTok, Instagram, 0:15:28.160 --> 0:15:30.560 wherever you're getting your social media, we're seeing more and 0:15:30.600 --> 0:15:33.320 more finance content out there, and a lot of it's 0:15:33.360 --> 0:15:35.960 not very good. But we just don't believe that more 0:15:36.000 --> 0:15:39.000 regulation is the right answer. So yeah, we say, let 0:15:39.040 --> 0:15:42.280 the ad play, let it stand if if they're you know, 0:15:42.280 --> 0:15:45.040 that coin is willing to pay a Kardashian to promote 0:15:45.040 --> 0:15:48.480 it or whoever. But the responsibility really and always remains 0:15:48.520 --> 0:15:52.200 with us as independent adults, uh and investors as to 0:15:52.280 --> 0:15:54.080 what we choose to do with our money. It's pretty 0:15:54.160 --> 0:15:56.760 much always a bad idea to take investing advice from 0:15:56.800 --> 0:15:59.400 a celebrity who's getting paid to dispense it. And really, 0:16:00.040 --> 0:16:03.560 I'm you know, a celebrity in general, just Hollywood types 0:16:03.600 --> 0:16:06.520 like um, you know, they live different lives than most 0:16:06.520 --> 0:16:09.520 of the rest of us. And so yeah, if any Kardashian, 0:16:09.680 --> 0:16:14.520 Chloe Kim, whoever it is, Kanye, or if Kanye is 0:16:14.560 --> 0:16:17.560 dispensing investing, I'm probably not going to be listening, or 0:16:17.560 --> 0:16:19.200 I'll take it with a grain of salt. And I 0:16:19.280 --> 0:16:24.000 just recommend that we all have that approach when we 0:16:24.200 --> 0:16:26.640 see these ads on Instagram or just you know, any 0:16:26.680 --> 0:16:29.440 kind of content in general that's trying to push us 0:16:29.440 --> 0:16:31.720 in a certain direction. Yeah, it's just crucial for us 0:16:31.720 --> 0:16:34.000 to do our own research before jumping in with both feet, 0:16:34.160 --> 0:16:36.480 and it's it's important for us to look to trusted sources, 0:16:36.600 --> 0:16:39.880 especially if you're considering a decision that has a large 0:16:39.880 --> 0:16:42.480 price tag attached to it. And you know, we gotta 0:16:42.480 --> 0:16:44.320 say this one hits a little bit closer to home 0:16:44.600 --> 0:16:46.840 because of the way that we are able to support 0:16:46.920 --> 0:16:50.320 and run the podcast is through advertising. You know those ads, 0:16:50.360 --> 0:16:53.680 just like the one from Kim Kardashian, Sorry k came 0:16:53.720 --> 0:16:56.560 at her close friends? Do they really? I don't know, 0:16:56.600 --> 0:16:59.840 I'm not a close friend. Well, those ads are clearly delineated. 0:17:00.200 --> 0:17:03.160 You see the ads on Instagram, they have hashtag ad. 0:17:03.200 --> 0:17:05.240 When you know you hear the music break, that's when 0:17:05.240 --> 0:17:07.040 you know our ads are about to run. But we 0:17:07.080 --> 0:17:09.119 wanted to mention that because the ads that we voice 0:17:09.560 --> 0:17:11.520 are the only ones that we actually have control over, 0:17:11.880 --> 0:17:14.520 and we choose to only voice for companies that we 0:17:14.680 --> 0:17:16.480 like and that we think are going to be good 0:17:16.560 --> 0:17:20.000 for our audience. But even still that you know, either way, 0:17:20.119 --> 0:17:23.119 whether it's an ad you see or that you hear elsewhere, 0:17:23.240 --> 0:17:26.040 even on our show or even just other content within 0:17:26.119 --> 0:17:28.560 our show, we want you to do your own due 0:17:28.600 --> 0:17:31.840 diligence before you act. Hopefully we've you know, you've you 0:17:31.840 --> 0:17:33.880 trust us to give you the best in the right 0:17:33.880 --> 0:17:36.800 information here on the show. That's our goal, our goals 0:17:36.840 --> 0:17:39.320 to help our listeners. We want to make sure that 0:17:39.359 --> 0:17:43.040 everyone is making wise financial decisions. But so much of 0:17:43.080 --> 0:17:45.560 personal finance is personal, and so you have to make 0:17:45.600 --> 0:17:47.399 sure that you know something that might be good for 0:17:47.480 --> 0:17:50.280 Joel and I even I mean, gosh, even earlier this episode, 0:17:50.480 --> 0:17:52.720 like we talked about credit cards. If you have a 0:17:52.720 --> 0:17:54.840 problem with spending on credit cards, like that should be 0:17:54.880 --> 0:17:58.159 something that you completely avoid, like do not get that 0:17:58.320 --> 0:18:01.679 Chase card with that man of uh, you know, welcome 0:18:01.680 --> 0:18:03.920 but us or whatever, because if you're just getting started, 0:18:04.400 --> 0:18:07.320 it's like, and you know that that's your propensity exactly, 0:18:07.320 --> 0:18:08.800 that's not the right move for you right now exactly. 0:18:08.840 --> 0:18:10.160 So you have to make sure that you go into 0:18:10.200 --> 0:18:12.720 any decision with your your eyes wide open and that 0:18:12.840 --> 0:18:15.760 you are thinking for yourself. And we're not perfect, Like 0:18:15.800 --> 0:18:17.960 we screw up too or we'll say the wrong thing, 0:18:18.320 --> 0:18:20.320 um and so we again we try to give the 0:18:20.320 --> 0:18:23.720 best advice, but we're not always right either. So that, yeah, 0:18:23.760 --> 0:18:26.680 that is a good reminder. I like to consult multiple sources, Matt, 0:18:27.080 --> 0:18:29.520 when I'm reading news to try to get an informed outlook, 0:18:29.520 --> 0:18:31.320 and you know, we recommend our listeners do the same. 0:18:31.800 --> 0:18:33.800 Let's move on, Matt, to this robin Hood story, this 0:18:33.840 --> 0:18:36.400 new feature that they're launching. They're they're planning to roll 0:18:36.440 --> 0:18:38.960 out something that allows you to access your paycheck a 0:18:39.000 --> 0:18:42.720 couple of days earlier. This was reported by Bloomberg. A 0:18:42.760 --> 0:18:44.600 few of the online banks have kind of been doing 0:18:44.640 --> 0:18:46.280 this for a while now, so it seems like no 0:18:46.359 --> 0:18:50.000 big deal, right, everybody's doing it well, kind of. We've 0:18:50.040 --> 0:18:52.760