WEBVTT - Couples and Money ft. Our Wives #023 0:00:00.080 --> 0:00:03.000 Welcome to How to Money. I'm Joel and I'm Matt 0:00:03.480 --> 0:00:06.640 and with me here is my wife Kate. And my 0:00:06.680 --> 0:00:10.480 wife's here too, Emily, And today we're talking about couples 0:00:10.520 --> 0:00:31.040 and money. That's right, Matt today on the podcast. I'm 0:00:31.080 --> 0:00:33.040 so excited that our wives are here and that we're 0:00:33.080 --> 0:00:35.480 gonna be able to talk about like our financial faux 0:00:35.479 --> 0:00:37.519 pause and the things that we've done well together kind 0:00:37.560 --> 0:00:41.960 of how we've built our finances as couples and hopefully 0:00:42.159 --> 0:00:44.879 with our wives. Yeah, and hopefully have some takeaways for 0:00:44.880 --> 0:00:47.080 the audience out there. And we actually have some audience 0:00:47.159 --> 0:00:49.440 questions that we're gonna feature in this episode that we 0:00:49.560 --> 0:00:51.680 got from our Facebook group, And if you are not 0:00:51.800 --> 0:00:54.600 a member of the Facebook group yet, you really should 0:00:54.640 --> 0:00:57.080 sign up. Yeah, man, And hopefully if this goes well too, 0:00:57.120 --> 0:00:59.600 we'll do some more episodes like this, or like a 0:00:59.640 --> 0:01:01.760 shorter version where we kind of answer some questions for 0:01:01.800 --> 0:01:04.000 folks that right in. I think that'd be awesome. If 0:01:04.000 --> 0:01:06.080 you've got some questions that you want answered on the show, 0:01:06.240 --> 0:01:08.640 feel free to shoot an email to us all and 0:01:08.680 --> 0:01:10.759 we should let people know obviously this is a special 0:01:10.760 --> 0:01:17.120 episode because our wives are here, right baby, I'm here. Well, 0:01:17.160 --> 0:01:20.440 we're also we're recording this at the beach on vacation 0:01:20.480 --> 0:01:22.319 with our families, and so this is kind of a 0:01:22.360 --> 0:01:25.119 fun treat to get to record an episode while we're 0:01:25.160 --> 0:01:27.319 chilling together for a week. Yeah. Man, this is the 0:01:27.600 --> 0:01:32.160 annual company retreat. Not quite a retreat, but we're all 0:01:32.200 --> 0:01:34.319 together here in an Airbnb. And this isn't the first 0:01:34.360 --> 0:01:37.760 time that we've shared an Airbnb as well, but I'll say, Kate, 0:01:37.880 --> 0:01:40.120 this is maybe one of the smaller airbnbs that we've 0:01:40.120 --> 0:01:44.440 been in. Yes, we have four kiddo's in one room, 0:01:44.480 --> 0:01:47.000 two sets abug beds. So this might be a super 0:01:47.040 --> 0:01:51.680 short podcast. We'll see how that goes. Yeah, let's hope 0:01:51.680 --> 0:01:53.760 they stay asleep. Are you guys a fan of the 0:01:53.960 --> 0:01:57.200 tomato motif that they have all over the house? Dude, 0:01:57.240 --> 0:02:01.480 there's tomatoes everywhere. Thank you even describe it really, but 0:02:01.520 --> 0:02:03.840 there's just lots more tomatoes than you would think they 0:02:03.880 --> 0:02:10.480 could actually include in one space explosion most definitely a 0:02:10.520 --> 0:02:13.639 tomato explosion. Oh man. And what's great about the house 0:02:13.680 --> 0:02:15.440 I too, is it does have a pool. So we're 0:02:15.480 --> 0:02:18.440 in We're at Jack's Beach down in Florida, and sweet 0:02:18.480 --> 0:02:21.840 pool it's heated, and it's got a little cabana and 0:02:22.400 --> 0:02:26.280 the name of the cabana is tomatoes spelled backwards, So 0:02:26.800 --> 0:02:29.280 we're not joking. Literally, they're tomatoes all over the kitchen, 0:02:29.280 --> 0:02:32.079 tomato plates and old tomato cans and stuff like that. 0:02:32.320 --> 0:02:34.919 And then they made the commando tomatoes spelled backwards that 0:02:35.000 --> 0:02:38.560 the people obviously enjoy tomatoes here, right. I'm it's impressive. 0:02:38.840 --> 0:02:40.400 I mean, I feel like that's typical for like a 0:02:40.440 --> 0:02:42.960 standard beach rental. You know what you find on Airbnb. 0:02:43.120 --> 0:02:46.119 This isn't like the chic monotone. Tomatoes are all over. 0:02:46.639 --> 0:02:50.520 It's not typical. No, there's so many tomatoes. There's a 0:02:50.520 --> 0:02:52.960 tomato wreath. Yeah, literally, it's like a Christmas wreath. But 0:02:53.000 --> 0:02:56.959 tomatoes red and green. Well, you can't discriminate, right, you 0:02:57.040 --> 0:03:01.840 gotta have red and green tomatoes. I don't know, But 0:03:01.960 --> 0:03:03.400 for real, though, this is one way we like to, 0:03:03.960 --> 0:03:06.800 you know, hang out together as friends and save money 0:03:06.840 --> 0:03:08.720 at the same time. We were going together get a 0:03:08.720 --> 0:03:11.200 beach house together. We save a ton of money. We 0:03:11.720 --> 0:03:14.079 pool our resources, and I mean Kate does a ton 0:03:14.120 --> 0:03:17.080 of the cooking, which is awesome. You guys enjoyed some 0:03:17.160 --> 0:03:19.959 of the meals so far. Yeah, I would say Kate's 0:03:19.960 --> 0:03:22.840 cookie might be the highlight of our trip next to 0:03:22.880 --> 0:03:26.280 the beach. Yeah, it's great. Um. And the crazy thing 0:03:26.360 --> 0:03:29.440 is we have five girls total and then there's four 0:03:29.480 --> 0:03:32.720 of us. Are nine people in this house to three bedroom, 0:03:32.880 --> 0:03:36.720 one bath house. There is a small bathroom on the 0:03:36.720 --> 0:03:39.480 back side of the pool, like that's made of concrete 0:03:39.480 --> 0:03:42.000 and doesn't feel like a real bathroom. Um, but so 0:03:42.040 --> 0:03:44.600 it's kind of fun and camp be a little bit, 0:03:44.640 --> 0:03:48.080 but we were saving money having fun. Definitely can't be Ye, 0:03:48.960 --> 0:03:51.440 there's a drain in a bathroom and so the bathroom 0:03:51.560 --> 0:03:54.600 is a shower and so I don't exactly know how 0:03:54.600 --> 0:03:57.000 that works, but I think it does. Living that hashtag 0:03:57.080 --> 0:03:59.840 PNP life dog. Yeah. And something else man that we 0:03:59.880 --> 0:04:04.760 just scovered, uh totally randomly was the Southern Swells Brewing 0:04:05.040 --> 0:04:10.160 which is an amazing local craft brewery that has been 0:04:10.200 --> 0:04:12.400 open for about a year. Uh. Yeah, Joel and I 0:04:12.400 --> 0:04:14.640 were driving up to Publics to grab a few things 0:04:14.640 --> 0:04:17.600 that we forgot and totally stopped in. They were making 0:04:17.640 --> 0:04:21.200 some awesome beers. We got a flight which was very delicious, 0:04:21.240 --> 0:04:24.240 and we liked it so much that we we got 0:04:24.240 --> 0:04:26.240 some beers and brought them home. Yeah, I gotta feature 0:04:26.360 --> 0:04:28.719 some of these one of these Southern swell beers on 0:04:28.760 --> 0:04:32.159 the podcast after hitting up their tasting room. Um, and yeah, 0:04:32.200 --> 0:04:35.880 we hit up the Breweryfortunately the girls were mostly asleep 0:04:36.000 --> 0:04:38.159 or the wives might have been more upset. Maybe it 0:04:38.240 --> 0:04:41.000 was fortunate it was during naptime. But you know, we 0:04:41.040 --> 0:04:43.160 brought beer back, so I think all as well. So 0:04:43.200 --> 0:04:47.160 on that note, we should crack it. Yeah. So we 0:04:47.240 --> 0:04:50.239 got these sixteen ounce four packs, which means we each 0:04:50.400 --> 0:04:53.560 get a pint. Oh man, Okay, So if you have 0:04:53.600 --> 0:04:56.240 a vacation rental or an airbnb, just make sure you 0:04:56.279 --> 0:04:58.600 have at least pint glasses or I mean, ideally you'd 0:04:58.600 --> 0:05:00.800 have a tulip glass as well. But man, if you 0:05:00.800 --> 0:05:03.599 had a pint, just some basic pint glasses, I don't 0:05:03.600 --> 0:05:05.760 want to knocker our house here, but man, it would 0:05:05.920 --> 0:05:09.239 be great if the cups weren't just red plastic, proper glass. 0:05:09.240 --> 0:05:12.320 War would be a major plus. And so next time 0:05:12.320 --> 0:05:14.240 I'm putting that on our packing list, we're bringing our 0:05:14.240 --> 0:05:18.599 own toolip glasses. That's pretty nerdy, I know, alright, Matt, 0:05:18.640 --> 0:05:22.080 So this is pouring like a hazy orange grating up 0:05:22.080 --> 0:05:25.880 into like a yellow at the top, beautiful, beautiful color. Yeah, 0:05:25.920 --> 0:05:27.520 I'll go ahead and state that this is it's an 0:05:27.560 --> 0:05:29.200 I p A. But this is a New England style 0:05:29.240 --> 0:05:33.359 I PA. So it's got that quintessential sort of hazy, juicy, 0:05:33.480 --> 0:05:36.279 kind of orange juice looking look to it. So let's 0:05:36.279 --> 0:05:40.720 get the flavor reviews first from our wives. Okay, I'll 0:05:40.720 --> 0:05:44.000 go first. So I don't always love these hazy I 0:05:44.080 --> 0:05:46.400 p a s, but I really do love this one 0:05:46.440 --> 0:05:48.240 because I feel like it has more of a pine 0:05:48.680 --> 0:05:52.720 edge to it, and I'm more about the pine like 0:05:52.760 --> 0:05:56.000 West Coast I p a s, and this is a 0:05:56.040 --> 0:05:58.800 little more along that line where some of them, I 0:05:58.800 --> 0:06:00.640 feel like you're a little too Ora Geane, a little 0:06:00.680 --> 0:06:03.360 too sweet, a little too thick. This is not this 0:06:03.440 --> 0:06:05.719 is great. I love this. Yeah, I love it. I 0:06:05.720 --> 0:06:08.440 think it's great. I love hazy I p A. Actually, 0:06:08.480 --> 0:06:11.600 I pas are probably my favorite category of beer. It's 0:06:11.680 --> 0:06:14.560 nice and juicy, it's perfect to drink on the beach. Yeah. 0:06:14.560 --> 0:06:17.000 And Emily actually actually introduced me in I PA because 0:06:17.000 --> 0:06:19.040 when I first met her, I was slumming it with 0:06:19.080 --> 0:06:21.280 the brown ales and the stouts, and I feel like 0:06:22.040 --> 0:06:24.120 she kind of introduced me to some of the more 0:06:24.120 --> 0:06:28.960 bitter beers, and so thanks, thanks, baby, You're welcome. Is 0:06:28.960 --> 0:06:30.640 that kind of how it starts with like the brown 0:06:30.680 --> 0:06:32.320 nails and the stouts, like when you're in college. I 0:06:32.320 --> 0:06:33.960 feel like I think it starts with a Miller LIGHTE 0:06:34.720 --> 0:06:37.320 and light as far as getting into the craft beers, 0:06:37.480 --> 0:06:40.680 maybe even a smart off ice. You just got ice 0:06:41.800 --> 0:06:43.839 that has like no element of class to it. I think, 0:06:44.200 --> 0:06:46.360 do you remember turbot Dog? I bet you drink turbo 0:06:46.360 --> 0:06:50.800 dog Emily in Abida? No? Yes, did you really? Dude? 0:06:50.800 --> 0:06:52.880 I drink turbo dog all the time when I was 0:06:52.920 --> 0:06:55.520 living up in North Carolina. That brown ale legit. I 0:06:55.560 --> 0:06:57.760 would have that. That's when I learned how to drink 0:06:57.760 --> 0:07:00.120 beer in the shower, because that was the thing. So 0:07:00.160 --> 0:07:01.080 I was like, you can you need to have a 0:07:01.120 --> 0:07:02.720 cold beer in the shower. It's like it's called a 0:07:02.760 --> 0:07:05.479 shower beer and you'll love it. And I did, what 0:07:05.520 --> 0:07:08.200 else would you call a beer in the shower? Shower 0:07:08.240 --> 0:07:11.640 beer sounds appropriate? Did you have a better name for it? 0:07:11.880 --> 0:07:14.920 Good morning? Oh? No, I shower a night, so it's 0:07:14.920 --> 0:07:17.680 a it's appropriate. Oh that's true. Yeah, I guess it's 0:07:17.680 --> 0:07:19.440 good for you. That's why you shower at night so 0:07:19.440 --> 0:07:21.160 you can have a beer. I mean, I don't have 0:07:21.280 --> 0:07:24.040 beer in the shower like every single night, but every 0:07:24.080 --> 0:07:26.080 now and then it's a it's a nice thing like 0:07:26.520 --> 0:07:29.440 wine in the bathtub. Makes sense, it's my version of 0:07:29.440 --> 0:07:34.480 wine in the bathtub. Are there candles and bubbles? No, 0:07:34.600 --> 0:07:36.840 there is a lutha. So I think we need to 0:07:36.840 --> 0:07:38.600 take the whole family to that tasting room because you 0:07:38.600 --> 0:07:41.160 and I had some one by there twice now without 0:07:41.200 --> 0:07:46.200 the family, while we've been hashtag dead beet dads. I mean, 0:07:46.200 --> 0:07:48.240 we gotta we gotta pick up stuff at public How 0:07:48.240 --> 0:07:50.680 many times have we been up? Oh, we should go 0:07:50.720 --> 0:07:54.360 to that brewery. Maybe tomorrow and the next day. No, 0:07:54.520 --> 0:07:56.000 for real, though, I think we're gonna take the whole 0:07:56.040 --> 0:07:58.760 family because they've got a great tasting room. They've got 0:07:59.160 --> 0:08:02.200 like that washer toss game. I saw. All I know 0:08:02.240 --> 0:08:03.800 is I saw other kids running around there, and I 0:08:03.800 --> 0:08:05.680 think it'll be a blast. Yeah, no, Dad left behind. 0:08:05.680 --> 0:08:08.480 You can't leave us. We gotta be there. But seriously, 0:08:08.520 --> 0:08:11.240 if you're in jack speech, totally check out Southern Swells, 0:08:11.360 --> 0:08:14.360 great tasting room area and the beers like they've got 0:08:14.720 --> 0:08:16.520 me a ton of New England style, I geays and 0:08:16.520 --> 0:08:18.880 then some great sours and other stuff too that their 0:08:18.880 --> 0:08:21.320 beers were phenomenal. Let's get in the subject in hand. 0:08:21.360 --> 0:08:23.520 I think people want to hear what our wives think 0:08:23.520 --> 0:08:26.840 about our oddities with money and uh, like I said, 0:08:26.840 --> 0:08:30.080 we had some questions from the Facebook group. The first 0:08:30.120 --> 0:08:32.199 one was about beer, so let's stick to the beer 0:08:32.240 --> 0:08:34.520 theme for one second till we actually get into the money. 0:08:34.640 --> 0:08:37.920 Why not? But Rob said, ladies, what are your favorite 0:08:37.920 --> 0:08:41.360 beer styles and what styles do you detest? And you 0:08:41.400 --> 0:08:44.360 want to take this one first? So typically, like I said, 0:08:44.360 --> 0:08:48.079 I pads are one of my favorite, but currently the summertime, 0:08:48.120 --> 0:08:51.840 I'm really into the Creature Comforence parody. So they're cherry sour, 0:08:52.840 --> 0:08:55.040 so good. I love drinking one of those at the 0:08:55.040 --> 0:08:57.240 porch on the porch at night after the kids are down. 0:08:57.320 --> 0:09:02.800 It's perfect beer. I don't like is the Gooza, Goose Goose? 0:09:03.400 --> 0:09:06.840 What is it the Goza or the Goose? Which one 0:09:07.600 --> 0:09:13.600 that's really really funky? That's it. Yeah, I'm not into 0:09:13.600 --> 0:09:15.760 the Goose. I just can't get on board with that funk, 0:09:16.120 --> 0:09:17.520 which is sad because that's like one of my all 0:09:17.559 --> 0:09:20.280 time favorite styles. That's the like super funky it takes 0:09:20.360 --> 0:09:24.760 years to make Belgian style beer that spontaneously ferments, and 0:09:25.520 --> 0:09:27.920 I'm a huge fan. But you know what, we still 0:09:27.920 --> 0:09:30.520 be married, We still get along even though you don't 0:09:30.520 --> 0:09:33.959 like the Goose. So as I mentioned before, West Coastyle, 0:09:34.000 --> 0:09:37.319 I pas are rejum for sure. Least favorite detests is 0:09:37.400 --> 0:09:42.520 a strong word, but least favorite beers are probably Belgian 0:09:42.880 --> 0:09:48.160 beers in general. I just I can't get behind triples. 0:09:48.360 --> 0:09:50.360 I really can't. It's just not my thing at all. 0:09:50.400 --> 0:09:52.120 And I would have said I don't like any Belgian 0:09:52.160 --> 0:09:56.040 beers at all, except that you recently had Oha Gosh 0:09:56.200 --> 0:09:59.319 Curio at home and actually thought that was pretty great. 0:10:00.000 --> 0:10:01.959 Maybe it was like a nostalgia thing because it's one 0:10:01.960 --> 0:10:05.080 of the first bigger, more craft beers that I have 0:10:05.240 --> 0:10:08.719 ever had, But it was pretty great. So maybe I 0:10:08.760 --> 0:10:11.520 don't have a beer that I did test just a country, 0:10:13.000 --> 0:10:16.720 just Belgium. Guys, don't ever go there. The beers are terrible. 0:10:17.000 --> 0:10:18.520 And if you listen to this podcast, I'm pretty sure 0:10:18.520 --> 0:10:20.120 you know what beer is Jewel and I like, yeah, 0:10:20.160 --> 0:10:21.800 let's just move on. If you don't, there's twenty one 0:10:21.840 --> 0:10:23.720 previous episodes and you can check those out. We've been 0:10:23.760 --> 0:10:26.000 drinking a lot of good stuff. All right, So first question, 0:10:26.080 --> 0:10:28.800 and we can alternate who starts first, but uh, I'll 0:10:28.840 --> 0:10:31.679 ask him this one first. So, M, when did you 0:10:31.720 --> 0:10:36.320 first realize that my relationship to money is just a 0:10:36.360 --> 0:10:39.680 little bit different than the way most people relate to money. Well, 0:10:39.720 --> 0:10:41.880 I think I kind of knew it right off the bat, 0:10:41.920 --> 0:10:44.360 because you worked for Clark Howard and worked in the 0:10:44.360 --> 0:10:48.120 financial realm, and you know, you just were always talking 0:10:48.120 --> 0:10:50.200 about money, so I knew it was important. But then 0:10:50.240 --> 0:10:53.440 as I started to meet your friends and family and 0:10:53.440 --> 0:10:58.360 they would share some interesting stories about you, I kind 0:10:58.360 --> 0:11:01.040 of got a better picture of Oh, please do tell 0:11:01.040 --> 0:11:03.560 I need to hear these of how you thought about money, 0:11:03.559 --> 0:11:06.040 and I just my favorite one was the one I 0:11:06.040 --> 0:11:09.440 think you were in college, maybe even high school, and 0:11:09.480 --> 0:11:12.600 you had invited maybe four or five friends over to 0:11:12.720 --> 0:11:17.200 grill hamburgers. I will never live this one down, and 0:11:17.240 --> 0:11:21.160 you should not ever. So as you had grilled hamburgers, 0:11:21.160 --> 0:11:24.560 everybody had eating their food, just relaxing, sitting around, and 0:11:24.559 --> 0:11:26.680 you're like, Okay, that'll be a few dollars for the 0:11:26.720 --> 0:11:32.960 coal that we used. You charmed all of your friends charcoal, Yes, 0:11:34.120 --> 0:11:37.160 charged all of your friends. The charcoal you had used 0:11:37.160 --> 0:11:40.600 to grilled their burgers after they had eaten Kingsford Scrooge 0:11:40.640 --> 0:11:43.320 over here. Man. No one knew it was coming before 0:11:43.920 --> 0:11:46.800 you had invited them, So I just I thought, uh, 0:11:46.840 --> 0:11:51.160 there's some interesting thoughts he's got about money. True story. 0:11:51.280 --> 0:11:54.440 I'm ashamed of it now, I will admit, and I 0:11:54.440 --> 0:11:57.040 think I've grown a little bit since those days, hopefully so. 0:11:57.360 --> 0:11:59.560 But yes, Okay, that's a good that's a good place 0:11:59.600 --> 0:12:02.640 to start. I like that. It's kay. How about you? 0:12:02.720 --> 0:12:05.640 Were there any red flags that popped up early on 0:12:05.679 --> 0:12:09.280 when we first uh I started dating, were engaged? Let's 0:12:09.280 --> 0:12:11.959 hear it. Well, we're going to back up before dating 0:12:12.080 --> 0:12:15.000 or engaged to the first time I met Matt. He 0:12:15.080 --> 0:12:18.360 was wearing shoes that had previously been thrown away by 0:12:18.440 --> 0:12:22.840 his dad. There are old gray new balances that Matt 0:12:22.920 --> 0:12:27.440 had repurposed into sandals by cutting off the backs, and 0:12:27.640 --> 0:12:34.280 does no the toes still existed. The toes were partially there, 0:12:34.960 --> 0:12:37.199 so they had blown out, and you were like, who's 0:12:37.200 --> 0:12:39.920 that hottie in the funky new sandals? Right? I mean? 0:12:39.960 --> 0:12:41.880 I was like, how can how is no one saying 0:12:41.920 --> 0:12:46.560 anything about this? What is his deal? And so I 0:12:46.600 --> 0:12:49.120 found out right away that like he just needed some 0:12:49.120 --> 0:12:51.240 shoes one day and just wanted them to be sandals. 0:12:51.280 --> 0:12:53.600 But that's all he had at the moment, so he 0:12:53.720 --> 0:12:55.880 just like made it happen. I will say I'm pretty 0:12:55.880 --> 0:12:57.439 sure I was ahead of my time because I think 0:12:57.480 --> 0:12:59.679 a couple of years after that, I saw some sneakers 0:12:59.720 --> 0:13:02.880 that literally were created that way, that were manufactured without 0:13:02.920 --> 0:13:05.839 the backs all the way down to the soul, and they, 0:13:05.920 --> 0:13:07.840 you know, they look like the broken stock clogg sort of, 0:13:08.320 --> 0:13:12.280 but they were tennis shoes. That was me. That was 0:13:12.320 --> 0:13:16.480 my idea, You're welcome new balance. That's definitely true. It 0:13:16.559 --> 0:13:19.600 became a thing after that, and it was clear that like, 0:13:20.200 --> 0:13:23.160 he didn't choose to make these sandals because he couldn't 0:13:23.160 --> 0:13:26.440 afford sandals. It was more because it was the principle here, 0:13:26.440 --> 0:13:28.120 and these shoes were perfectly good and he was just 0:13:28.160 --> 0:13:32.280 gonna wear them. I'm all about that principle. I respected 0:13:32.320 --> 0:13:35.440 that even though it was just really bizarre. Did they 0:13:35.440 --> 0:13:39.240 smell weird? I never got so close. This also might 0:13:39.280 --> 0:13:41.920 explain my cut off shorts that I tend to. Dude, 0:13:41.920 --> 0:13:44.199 We're in Florida and I did not bring my georts 0:13:45.640 --> 0:13:49.199 missed opportunity wondering what they were. I do have my 0:13:49.200 --> 0:13:51.480 other cut off shorts, but I mean, when you're done 0:13:51.480 --> 0:13:54.600 with pants, repurpose them, right, That's just part of That's 0:13:54.600 --> 0:13:57.160 one of the tenants recycle reusers. I don't know what 0:13:57.280 --> 0:14:00.880 is it? Reduced users? Yes, that that I mean hopefully 0:14:00.920 --> 0:14:03.040 you kind of you know, grown to love that and 0:14:03.120 --> 0:14:06.199 who I am? Any other any other things you want 0:14:06.200 --> 0:14:08.679 to share so many but I feel like we should 0:14:08.720 --> 0:14:13.880 move on. Okay, okay, one more so. The first time Matt, 0:14:14.000 --> 0:14:18.120 Matt used to take me in his car to church 0:14:18.160 --> 0:14:21.040 on Sundays, and when we got in his jeep, I 0:14:21.120 --> 0:14:24.760 realized there was like this live wire and this toggle 0:14:24.880 --> 0:14:28.520 switch between the driver's seat and the passenger's seat. And 0:14:28.600 --> 0:14:30.800 I reached for it and said, what does this do? 0:14:30.960 --> 0:14:35.320 And men that don't touch it? It's live, that's the 0:14:35.320 --> 0:14:38.920 shock wire. Don't touch that. Turns out the radiator fan 0:14:39.280 --> 0:14:41.400 was now working in his jeep, so instead of getting 0:14:41.440 --> 0:14:44.200 it fixed at the dealership or at any other place, 0:14:44.600 --> 0:14:49.040 he rigged it himself to a little toggle switch between 0:14:49.040 --> 0:14:51.640 the seats and he would turn it on himself to 0:14:51.680 --> 0:14:54.560 cool down the engine when it needed it. It's just 0:14:54.600 --> 0:14:56.360 one of many they're just so many. I don't even 0:14:56.360 --> 0:14:58.200 know where to go with it. That's right, I mean, 0:14:58.200 --> 0:14:59.760 you don't need the fan to run all the time, 0:14:59.840 --> 0:15:01.920 just when the temperature starts creeping up towards the pink 0:15:02.400 --> 0:15:05.040 the orange. I think we could just change the name 0:15:05.040 --> 0:15:07.920 of this episode to Kate's List and just just run 0:15:07.920 --> 0:15:09.400 through it real quick. You want to do that? Uh, 0:15:09.520 --> 0:15:11.480 now we'll move on. You got Emily's. You have a 0:15:11.520 --> 0:15:13.160 one more thing that you want to share about Joel? 0:15:13.600 --> 0:15:17.400 Anything weird. We've had a recent adventure in car wrapping. 0:15:17.880 --> 0:15:19.440 Those of you who may not know, like I did 0:15:19.440 --> 0:15:22.400 not know, you can actually take your car to go 0:15:22.560 --> 0:15:25.200 get wrapped in an advertisement and then you get paid 0:15:25.240 --> 0:15:28.200 for however many miles you put on your car. So 0:15:29.000 --> 0:15:31.800 Joel had been talking about this for a while and 0:15:31.880 --> 0:15:34.600 he decided to go with it, and we got our 0:15:34.680 --> 0:15:37.520 car wrapped, a little Nissan leaf wrapped in a big, 0:15:37.600 --> 0:15:43.320 huge advertisement for Salesforce. And it's like, shout out Salesforce. 0:15:45.000 --> 0:15:49.360 You don't get paid for that, there's no bonus there. 0:15:50.200 --> 0:15:52.360 And so I see him pull up and you know, 0:15:52.360 --> 0:15:56.640 are black, small, tiny and conspicuous car is now blue 0:15:56.680 --> 0:15:59.440 with this giant bear on the back. And some fluffy 0:15:59.440 --> 0:16:03.080 clouds that on the side. Big advertisement. Dude, it's cute. 0:16:03.080 --> 0:16:04.560 Though I saw it. I was like, when I saw it, 0:16:04.560 --> 0:16:06.160 I was just like, that's actually not that bad. It 0:16:06.160 --> 0:16:09.520 looked prety cute. If you're going to be a mobile advertisement, 0:16:10.040 --> 0:16:13.480 it's not bad. It's it's somewhat classy. It could be 0:16:13.520 --> 0:16:15.880 a lot worse. Uh, it could be a lot worse. 0:16:16.040 --> 0:16:18.280 But you're just probably used to me, my hair brained 0:16:18.280 --> 0:16:20.000 ideas to make a little bit of extra money or 0:16:20.000 --> 0:16:22.280 save a little bit extra money, like those come along. 0:16:22.800 --> 0:16:29.000 How often would you say, oh, I mean daily, I 0:16:29.040 --> 0:16:31.120 mean I really can't even keep counting. I should keep 0:16:31.120 --> 0:16:33.560 a little notebook. But it was kind of like, okay, well, 0:16:33.560 --> 0:16:36.360 we'll give this experiment a try for these two months 0:16:36.400 --> 0:16:39.200 and see how it goes, and we'll report back on 0:16:39.240 --> 0:16:41.560 that the other way. So okay, I will say it's 0:16:42.000 --> 0:16:45.400 garnished a lot of attention. Kids like it. The girls 0:16:45.440 --> 0:16:47.320 like it. They think it's cute because there's these little 0:16:47.320 --> 0:16:49.400 stuffed animal looking things on the very back of the car, 0:16:49.480 --> 0:16:51.520 and they're like, Daddy, your car is like blue now 0:16:51.680 --> 0:16:53.560 and it's got these little animals, and so they kind 0:16:53.600 --> 0:16:55.560 of dig it um. But if they were a little 0:16:55.560 --> 0:16:58.320 bit older, they might be completely embarrassed. Our neighbors are 0:16:58.320 --> 0:17:00.800 just mostly confused, So we've had playing a few times 0:17:00.840 --> 0:17:03.960 what's going on. But they're down with it, so that's good. 0:17:04.440 --> 0:17:06.280 They also know how weird I am. I think, so 0:17:06.440 --> 0:17:18.000 it flies. Then the next question is from Chelsea, and 0:17:18.160 --> 0:17:20.520 this is also posted on our Facebook group, and so 0:17:20.720 --> 0:17:23.879 she asked, do you have any advice for newlyweds in 0:17:24.000 --> 0:17:26.959 handling finances together? I'm go ahead to mention this as well. 0:17:26.960 --> 0:17:28.199 I mean, this is a big reason why we we're 0:17:28.200 --> 0:17:30.240 having our wives on to to talk with us as well, 0:17:30.359 --> 0:17:33.440 is because talking through finances with your spouse or with 0:17:33.480 --> 0:17:36.280 a significant other, it's just kind of tricky sometimes, and 0:17:36.480 --> 0:17:38.000 you know, we don't have it all figured out. But 0:17:38.119 --> 0:17:40.320 I think it's definitely helpful for folks to hear from 0:17:40.320 --> 0:17:42.600 our wives kind of how we talk about things, and 0:17:42.640 --> 0:17:45.000 at least there will be some insights that you folks 0:17:45.000 --> 0:17:47.720 can kind of maybe garner from these conversations. But yeah, Kate, 0:17:47.800 --> 0:17:49.600 so do you have any advice maybe for newlyweds who 0:17:49.640 --> 0:17:52.320 are talking about their finances together for the first time together. 0:17:52.800 --> 0:17:57.480 I think if you have just gotten married or you're 0:17:57.520 --> 0:18:01.800 just dating. I think it's good to take that time 0:18:01.840 --> 0:18:05.280 to do the hard work in the beginning, like go 0:18:05.320 --> 0:18:08.320 ahead and hash out where you've been financially, how you're 0:18:08.400 --> 0:18:12.000 raised financially, what that makes you think when it comes 0:18:12.000 --> 0:18:14.560 to spending your money, how you spend your money and why. 0:18:14.840 --> 0:18:18.280 And I just think like talking through you can't talk 0:18:18.320 --> 0:18:21.440 about it enough, really, like you've got to really get 0:18:21.480 --> 0:18:24.480 everything on the table so that when it comes time 0:18:24.520 --> 0:18:27.600 to make a budget, you know where the other person 0:18:27.720 --> 0:18:30.520 is coming from and you can be sensitive and kind 0:18:30.560 --> 0:18:33.720 when it comes to setting amounts for certain things or 0:18:33.920 --> 0:18:38.880 making goals or coming together on a certain vision. Yes, 0:18:38.960 --> 0:18:42.439 I totally agree with Kate. I think self awareness is 0:18:43.080 --> 0:18:46.800 a big part of talking about money because really money 0:18:46.880 --> 0:18:50.159 represents a lot of things, security, or the way you 0:18:50.200 --> 0:18:53.600 were raised. Like, money is not just about numbers, obviously, 0:18:53.640 --> 0:18:55.760 it's it comes with a lot of attachments. So you 0:18:55.760 --> 0:18:58.560 need to be aware of kind of how you view 0:18:58.560 --> 0:19:02.480 money and what's important to you, and then just communicate, communicate, communicate. 0:19:02.520 --> 0:19:04.840 I mean I feel like we had to talk about 0:19:04.880 --> 0:19:06.720 things and then go back and think about what the 0:19:06.720 --> 0:19:08.640 other person said and then come back and talk about 0:19:08.680 --> 0:19:12.000 them again. And I think a perfect example of that 0:19:12.040 --> 0:19:14.000 when we were newly married is that I had wanted 0:19:14.160 --> 0:19:17.000 a new pair of running shoes and because mine were 0:19:17.040 --> 0:19:20.920 completely worn out and like my great new balances. Only 0:19:20.960 --> 0:19:22.760 if only I had known that were available, maybe it 0:19:22.800 --> 0:19:25.280 would have taken those um but I had wanted a 0:19:25.320 --> 0:19:27.679 new pair of shoes and I was going to the 0:19:27.680 --> 0:19:29.760 store to buy them, and you kind of jumped on 0:19:29.800 --> 0:19:31.440 me and was like, you know, you need a research 0:19:31.480 --> 0:19:32.919 and find a good deal. You can't just go out 0:19:32.960 --> 0:19:36.200 and buy the shoes. And that hurt my feelings because 0:19:36.280 --> 0:19:37.760 I was like, well, I need this. I'm not just 0:19:37.800 --> 0:19:40.199 being frivolous. What about you know these new geans that 0:19:40.240 --> 0:19:42.040 you just bought in the speer that you just bought 0:19:42.119 --> 0:19:45.159 and two Joel, what it was important when you were 0:19:45.160 --> 0:19:46.879 shopping is that you got a discount. And to me, 0:19:47.080 --> 0:19:49.399 I was just thoughtful about my purchases. So it wasn't 0:19:49.440 --> 0:19:52.639 as personal as it felt in the moment. It's not 0:19:52.760 --> 0:19:55.160 really as personal. You know, we're on the same team 0:19:55.160 --> 0:19:57.560 and that's important to remember. We just had to talk through, 0:19:57.680 --> 0:19:59.719 well what did the shoes represent to me and what 0:19:59.760 --> 0:20:02.520 did it represent to you? And so yeah, I just 0:20:03.040 --> 0:20:05.600 totally agree with Kate said, be self aware and communicate 0:20:06.280 --> 0:20:10.280 continually about what the money is actually attached to, because 0:20:10.320 --> 0:20:14.080 that's really where the fights go. That's awesome. Yeah, I 0:20:14.080 --> 0:20:17.359 think that. Uh, Like for me, when I was like 0:20:17.480 --> 0:20:20.560 super young and we weren't married, it was easy to 0:20:20.760 --> 0:20:23.159 not have a budget and to just kind of be 0:20:23.320 --> 0:20:26.439