1 00:00:09,560 --> 00:00:09,720 Speaker 1: Hi. 2 00:00:09,960 --> 00:00:13,840 Speaker 2: I'm Laura Vanderkamp. I'm a mother of five, an author, journalist, 3 00:00:13,880 --> 00:00:14,440 Speaker 2: and speaker. 4 00:00:15,320 --> 00:00:18,560 Speaker 3: And I'm Sarah hart Hunger, a mother of three, practicing physician, 5 00:00:18,840 --> 00:00:22,040 Speaker 3: writer and course creator. We are two working parents who 6 00:00:22,120 --> 00:00:24,000 Speaker 3: love our careers and our families. 7 00:00:24,720 --> 00:00:27,360 Speaker 2: Welcome to best of both worlds. Here we talk about 8 00:00:27,360 --> 00:00:30,360 Speaker 2: how real women manage work, family, and time for fun. 9 00:00:30,880 --> 00:00:33,360 Speaker 2: From figuring out childcare to mapping out long. 10 00:00:33,280 --> 00:00:34,200 Speaker 1: Term career goals. 11 00:00:34,440 --> 00:00:39,320 Speaker 2: We want you to get the most out of life. 12 00:00:41,159 --> 00:00:43,600 Speaker 2: Welcome to best of both worlds. This is Laura. This 13 00:00:43,760 --> 00:00:47,760 Speaker 2: episode is airing in early February of twenty twenty five. 14 00:00:48,240 --> 00:00:51,440 Speaker 2: We are going to be talking about money. So a 15 00:00:51,479 --> 00:00:54,560 Speaker 2: fun fact, many many years ago, I wrote a book 16 00:00:54,600 --> 00:00:55,160 Speaker 2: about money. 17 00:00:55,160 --> 00:00:57,160 Speaker 1: It was called All the Money in the World. 18 00:00:57,840 --> 00:01:01,040 Speaker 2: It came out in early twenty twelve, so I guess 19 00:01:01,040 --> 00:01:04,399 Speaker 2: that's thirteen years ago now, which is a while, but 20 00:01:04,480 --> 00:01:09,200 Speaker 2: I remember it well. And it happened because I had 21 00:01:09,240 --> 00:01:11,280 Speaker 2: written one hundred and sixty Hours, which is a book 22 00:01:11,319 --> 00:01:14,000 Speaker 2: about time management. And since I'm still writing about time, 23 00:01:14,040 --> 00:01:16,760 Speaker 2: you would assume that the path would be linear, but 24 00:01:16,840 --> 00:01:19,240 Speaker 2: it was not. The book was sort of slow out 25 00:01:19,280 --> 00:01:20,440 Speaker 2: of the gate and sort of like, well, maybe I 26 00:01:20,440 --> 00:01:22,759 Speaker 2: should write about a different topic, and like, what should 27 00:01:22,800 --> 00:01:25,600 Speaker 2: I write about? Well, let's take that sort of lens 28 00:01:25,640 --> 00:01:28,720 Speaker 2: of trying to, you know, view time as a tool 29 00:01:28,720 --> 00:01:29,680 Speaker 2: as like money as a tool. 30 00:01:29,720 --> 00:01:32,040 Speaker 1: And we're going to write a personal finance book. 31 00:01:32,040 --> 00:01:34,800 Speaker 2: And I wasn't quite as into it as I was 32 00:01:34,840 --> 00:01:37,280 Speaker 2: into time, and I think maybe that was reflected though 33 00:01:37,280 --> 00:01:38,920 Speaker 2: I had some fun writing that book. 34 00:01:38,920 --> 00:01:40,000 Speaker 1: But anyway, after that. 35 00:01:40,000 --> 00:01:42,480 Speaker 2: I went back to time, wrote more about time and 36 00:01:42,480 --> 00:01:43,480 Speaker 2: writing about time since. 37 00:01:43,480 --> 00:01:46,319 Speaker 1: But hey, I still like the topic of money, Sarah. 38 00:01:46,400 --> 00:01:47,720 Speaker 1: You read All the Money in the World, in which 39 00:01:47,760 --> 00:01:50,040 Speaker 1: I can't believe. No, it's good. 40 00:01:50,160 --> 00:01:52,640 Speaker 3: I mean I I actually thought I had some really 41 00:01:52,680 --> 00:01:56,639 Speaker 3: refreshing takes that aren't like standard in every money book, 42 00:01:56,720 --> 00:02:00,640 Speaker 3: and I liked it a lot. So I don't know, 43 00:02:00,640 --> 00:02:02,000 Speaker 3: Maybe you should write another money book. 44 00:02:02,160 --> 00:02:06,080 Speaker 1: Yeah, no, probably not. I don't think I have another 45 00:02:06,080 --> 00:02:06,480 Speaker 1: one in me. 46 00:02:06,520 --> 00:02:08,560 Speaker 2: I seem to always still have another time book in me, 47 00:02:08,680 --> 00:02:10,840 Speaker 2: but I'm not sure that I have another money book 48 00:02:10,919 --> 00:02:15,280 Speaker 2: in me. But this episode is going to be about money, 49 00:02:15,280 --> 00:02:18,600 Speaker 2: but not the normal sort of personal finance tropes. Like 50 00:02:19,080 --> 00:02:21,519 Speaker 2: nothing in this episode is going to be about cutting 51 00:02:21,520 --> 00:02:25,360 Speaker 2: out Netflix or lattes. We are going to be asking 52 00:02:25,400 --> 00:02:31,320 Speaker 2: each other some intriguing questions about money, and we would 53 00:02:31,360 --> 00:02:34,760 Speaker 2: love to hear your answers as well, so feel free 54 00:02:34,800 --> 00:02:37,000 Speaker 2: to let us know how you would answer any of 55 00:02:37,040 --> 00:02:41,480 Speaker 2: these questions. So first one, Sarah, are you a spender 56 00:02:41,600 --> 00:02:44,200 Speaker 2: or a saver? And how about the other members of 57 00:02:44,240 --> 00:02:44,800 Speaker 2: your family? 58 00:02:45,639 --> 00:02:51,600 Speaker 3: I would say both Josh and I are very disciplined spenders, 59 00:02:51,800 --> 00:02:56,720 Speaker 3: so we are aware of our spender tendencies. Mine definitely 60 00:02:56,800 --> 00:03:00,079 Speaker 3: run deep. My allowance never lasted more than like a 61 00:03:00,120 --> 00:03:02,600 Speaker 3: day or two. When I was growing up, there was 62 00:03:02,639 --> 00:03:06,320 Speaker 3: always something enticing to get, whether it was like a 63 00:03:06,840 --> 00:03:09,679 Speaker 3: ski trip for school or a babysitter club book I 64 00:03:09,720 --> 00:03:11,720 Speaker 3: would find or make up. It didn't matter like if 65 00:03:11,720 --> 00:03:14,360 Speaker 3: there was money, I was spending it in As adults, 66 00:03:14,400 --> 00:03:17,119 Speaker 3: we've recognized that would not be a good strategy for 67 00:03:17,440 --> 00:03:20,079 Speaker 3: you know, life and long term. So yeah, I would 68 00:03:20,120 --> 00:03:24,040 Speaker 3: say we are cautious, disciplined spenders. 69 00:03:25,200 --> 00:03:27,760 Speaker 1: And what do you think your kids are mix? 70 00:03:28,800 --> 00:03:31,680 Speaker 3: I don't know if they'd want their tendencies necessarily shared, 71 00:03:31,720 --> 00:03:33,880 Speaker 3: but I will say there's at least one kid whose 72 00:03:33,960 --> 00:03:37,280 Speaker 3: allowance patterns look a lot like mine. 73 00:03:37,680 --> 00:03:39,840 Speaker 1: Yeah. 74 00:03:40,000 --> 00:03:41,840 Speaker 2: Yeah, Well, at least you guys got to the allowance 75 00:03:41,880 --> 00:03:45,360 Speaker 2: part to we never even made it there. For many, 76 00:03:45,440 --> 00:03:47,520 Speaker 2: many reasons, I was fine with giving an allowance. My 77 00:03:47,600 --> 00:03:51,040 Speaker 2: husband had a sort of really bad reaction to the idea, 78 00:03:51,160 --> 00:03:53,760 Speaker 2: and so you know, there are certain battles you pick 79 00:03:53,760 --> 00:03:55,520 Speaker 2: in a marriage, and that is not one, not a 80 00:03:55,600 --> 00:03:58,240 Speaker 2: hill I was willing to die on. So we wound 81 00:03:58,320 --> 00:04:02,440 Speaker 2: up not doing that. Though curiously, the kids do not 82 00:04:02,840 --> 00:04:06,480 Speaker 2: spend a lot of money. They do not seem to 83 00:04:06,560 --> 00:04:11,960 Speaker 2: have particular desires to spend everything that comes in, which 84 00:04:12,000 --> 00:04:17,240 Speaker 2: I think is partly that they're not around. 85 00:04:17,080 --> 00:04:18,600 Speaker 1: Stores all that often. 86 00:04:18,760 --> 00:04:23,159 Speaker 2: Maybe I don't know, but even so, I mean, my 87 00:04:23,200 --> 00:04:26,599 Speaker 2: older kids are aware that there are pricier stores out 88 00:04:26,600 --> 00:04:28,919 Speaker 2: there and still seem to be okay with buying clothes 89 00:04:28,920 --> 00:04:31,279 Speaker 2: at like Old Navy and Target and Amazon. 90 00:04:31,400 --> 00:04:32,919 Speaker 1: So I am happy about that. 91 00:04:33,160 --> 00:04:37,240 Speaker 2: So far, I am more a safer than a spender. 92 00:04:37,480 --> 00:04:42,680 Speaker 2: I believe Michael is also a saverer to possibly slightly 93 00:04:43,000 --> 00:04:44,200 Speaker 2: less than me. 94 00:04:44,920 --> 00:04:46,159 Speaker 1: But it's hard to know. 95 00:04:46,200 --> 00:04:50,160 Speaker 2: I think more it's that I had the adult experience 96 00:04:50,400 --> 00:04:53,919 Speaker 2: of running my own sort of life and household on 97 00:04:53,960 --> 00:05:00,000 Speaker 2: a very limited income, which he chose a more higher 98 00:05:00,160 --> 00:05:01,960 Speaker 2: paying initial career. 99 00:05:01,720 --> 00:05:04,440 Speaker 1: Out of school, so I think had less of that. 100 00:05:04,360 --> 00:05:10,919 Speaker 2: Experience, which it shapes you. But yeah, I have a 101 00:05:11,040 --> 00:05:14,680 Speaker 2: very strong tendency to just make do. But you guys 102 00:05:15,400 --> 00:05:18,280 Speaker 2: do as well. I mean you're driving cars that are old. 103 00:05:18,320 --> 00:05:21,360 Speaker 3: Don't give away my frugality secrets because we have another. 104 00:05:21,200 --> 00:05:23,720 Speaker 1: Second at Okay, okay, we have to get to yes. 105 00:05:23,760 --> 00:05:26,599 Speaker 3: I mean, I think the actual question that's going to 106 00:05:26,600 --> 00:05:28,680 Speaker 3: be very interesting and telling is the one about like 107 00:05:28,800 --> 00:05:31,520 Speaker 3: if you got a windfall, because I can think of like, 108 00:05:31,520 --> 00:05:33,359 Speaker 3: what would fifty different ways I would spend it? And 109 00:05:33,400 --> 00:05:35,880 Speaker 3: you were like, I don't know what would I do 110 00:05:35,960 --> 00:05:36,160 Speaker 3: with it? 111 00:05:36,200 --> 00:05:37,880 Speaker 1: I mean if it was well, okay, we'll get to that. 112 00:05:37,920 --> 00:05:40,040 Speaker 1: If it's a big enough windfall, I'd come up with something. 113 00:05:40,760 --> 00:05:44,120 Speaker 2: But yeah, yeah, no, I well I was thinking about that, 114 00:05:44,200 --> 00:05:46,720 Speaker 2: like my computer, not this one i'm using now because 115 00:05:47,560 --> 00:05:50,279 Speaker 2: I actually have two laptops now because my older ones 116 00:05:50,320 --> 00:05:54,440 Speaker 2: stopped being able to run any video conferencing programming, which 117 00:05:54,600 --> 00:05:57,560 Speaker 2: just clearly doesn't work for life in the modern era. 118 00:05:57,680 --> 00:05:59,000 Speaker 2: So I bought a new one about two and a 119 00:05:59,000 --> 00:06:00,960 Speaker 2: half years ago, which is I'm using for all of that, 120 00:06:01,040 --> 00:06:04,600 Speaker 2: but I'm still using the eight year old one for 121 00:06:05,600 --> 00:06:08,160 Speaker 2: the vast majority of things that I can still use 122 00:06:08,200 --> 00:06:11,719 Speaker 2: it for and I was very excited that I recently 123 00:06:11,760 --> 00:06:15,440 Speaker 2: got my fourteen year old car back from my son, 124 00:06:16,480 --> 00:06:18,320 Speaker 2: which he is now driving a newer car than that. 125 00:06:18,360 --> 00:06:19,200 Speaker 1: So it's a long story. 126 00:06:19,240 --> 00:06:22,359 Speaker 2: Maybe that's a less frugal choice, but anyway, here we 127 00:06:22,400 --> 00:06:26,279 Speaker 2: are just generally making it do with stuff. So, Sarah, 128 00:06:26,320 --> 00:06:29,440 Speaker 2: what was one of your earliest money memories. 129 00:06:30,200 --> 00:06:33,719 Speaker 3: Yeah, I mean I lived at a very frugal household. 130 00:06:33,760 --> 00:06:36,599 Speaker 3: I think we both share some of that. My parents 131 00:06:36,680 --> 00:06:39,480 Speaker 3: really valued saving. I think it was a point of pride, 132 00:06:39,480 --> 00:06:42,040 Speaker 3: but also kind of like a point that they felt 133 00:06:42,120 --> 00:06:44,919 Speaker 3: was like non negotiable, like this was the right way 134 00:06:44,960 --> 00:06:50,920 Speaker 3: to be. It wasn't really out of necessity. I do 135 00:06:51,000 --> 00:06:54,120 Speaker 3: think that many people with similar income levels spent a 136 00:06:54,200 --> 00:06:57,600 Speaker 3: lot more money than my parents did, and they did 137 00:06:57,640 --> 00:07:00,720 Speaker 3: splurge on certain things, which is sort of in some 138 00:07:00,760 --> 00:07:03,400 Speaker 3: ways mirrors how we are. Like they would pay for 139 00:07:03,520 --> 00:07:06,920 Speaker 3: very expensive violin lessons, for example, but I was only 140 00:07:06,920 --> 00:07:09,880 Speaker 3: getting like Suave shampoo, and it was probably like on 141 00:07:09,920 --> 00:07:11,840 Speaker 3: a buy one, get one free deal with five coupons 142 00:07:11,840 --> 00:07:14,000 Speaker 3: at CBS, so I actually made the money to buy 143 00:07:14,000 --> 00:07:18,600 Speaker 3: that shampoo. So I don't know, Yeah, just it's a 144 00:07:18,680 --> 00:07:23,840 Speaker 3: pretty frugal lifestyle. I will say, like we had weird juxtapositions, 145 00:07:23,920 --> 00:07:25,560 Speaker 3: and I've talked about this, I think on the podcast, 146 00:07:25,560 --> 00:07:27,600 Speaker 3: but maybe not for a while, where we almost never 147 00:07:27,640 --> 00:07:31,280 Speaker 3: spent any money on travel, but we would take advantage 148 00:07:31,320 --> 00:07:34,000 Speaker 3: of my dad's work travel so while spending no money, 149 00:07:34,040 --> 00:07:35,520 Speaker 3: I would stay in like a suite at the Ritz. 150 00:07:35,600 --> 00:07:39,239 Speaker 3: So it's like a kind of yeah, mixed bag. 151 00:07:39,320 --> 00:07:41,920 Speaker 2: Mixed bag, mixed bag. Well, one develops a good taste 152 00:07:41,920 --> 00:07:45,280 Speaker 2: for hotels, so when that tar an initial experience, you're like, 153 00:07:45,320 --> 00:07:47,520 Speaker 2: I'm not going anywhere where they're putting schwab in the 154 00:07:47,640 --> 00:07:48,360 Speaker 2: in the shower. 155 00:07:48,440 --> 00:07:52,400 Speaker 3: After that, yeah, so what about you? 156 00:07:53,000 --> 00:07:54,960 Speaker 2: Yeah, well, I mean I was thinking of a couple, 157 00:07:55,080 --> 00:07:59,280 Speaker 2: but one I realized that it was what you think 158 00:07:59,320 --> 00:08:02,440 Speaker 2: as a kid, and it's you learn later in life 159 00:08:02,520 --> 00:08:07,720 Speaker 2: is not true at all. Is that sometimes people choose 160 00:08:07,760 --> 00:08:10,480 Speaker 2: to buy more stuff and then you think they have 161 00:08:10,600 --> 00:08:12,160 Speaker 2: more money because. 162 00:08:11,840 --> 00:08:13,120 Speaker 1: They have bought more stuff. 163 00:08:13,640 --> 00:08:17,160 Speaker 2: So I was under the impression that many people, like 164 00:08:17,280 --> 00:08:21,520 Speaker 2: other friends of mine, their parents must have had much 165 00:08:21,560 --> 00:08:24,520 Speaker 2: more money than we did because they always had, for instance, 166 00:08:24,840 --> 00:08:29,240 Speaker 2: an incredibly well stocked craft closet right like that that 167 00:08:29,320 --> 00:08:31,239 Speaker 2: there was you know, if you wanted a pipe cleaner, 168 00:08:31,480 --> 00:08:33,200 Speaker 2: you were getting a pipe cleaner. I don't think we 169 00:08:33,240 --> 00:08:35,480 Speaker 2: ever bought pipe cleaners in my entire childhood, right, But 170 00:08:35,640 --> 00:08:38,800 Speaker 2: they'd have like a closet full of construction paper and 171 00:08:38,840 --> 00:08:42,400 Speaker 2: pipe cleaners and whatever else. Or a friend of mine 172 00:08:42,400 --> 00:08:46,360 Speaker 2: who had like every single Babysitters Club book, Like, clearly 173 00:08:46,960 --> 00:08:48,840 Speaker 2: they must have been rolling in it to have every 174 00:08:48,880 --> 00:08:51,600 Speaker 2: single Babysitters Club book. Of course, you know now I 175 00:08:51,640 --> 00:08:53,679 Speaker 2: realized they were like what three or four dollars at 176 00:08:53,679 --> 00:08:54,960 Speaker 2: the time, and they started. 177 00:08:54,640 --> 00:08:55,400 Speaker 1: At like two fifty. 178 00:08:55,480 --> 00:08:57,160 Speaker 3: Trust me, I know, because that's what I was blowing 179 00:08:57,200 --> 00:08:57,720 Speaker 3: my allowance. 180 00:08:58,040 --> 00:08:59,600 Speaker 1: That's what you were blowing your allowance on. 181 00:09:00,040 --> 00:09:02,520 Speaker 2: But you know, so this family had bought this girl 182 00:09:02,600 --> 00:09:05,120 Speaker 2: one hundred Babysitters Club books or however many there were 183 00:09:05,160 --> 00:09:07,400 Speaker 2: by the time the series had run its course and 184 00:09:07,600 --> 00:09:09,960 Speaker 2: spending two dollars and fifty cents each, So really we're 185 00:09:09,960 --> 00:09:13,000 Speaker 2: talking two hundred and fifty dollars, which made me feel 186 00:09:13,040 --> 00:09:15,320 Speaker 2: that they must be like rolling in it, you know, 187 00:09:18,320 --> 00:09:21,120 Speaker 2: Or what am I the families that give out the 188 00:09:21,240 --> 00:09:25,480 Speaker 2: full sized candy bars at Halloween? Right? That is, if 189 00:09:25,480 --> 00:09:26,920 Speaker 2: you want to know a way to make your late 190 00:09:26,960 --> 00:09:29,880 Speaker 2: neighbors think that you're loaded. All you have to do 191 00:09:29,960 --> 00:09:32,160 Speaker 2: is buy like seventy five full sized candy bars, which 192 00:09:32,200 --> 00:09:34,240 Speaker 2: again it's like a dollar at Walmart. 193 00:09:34,280 --> 00:09:37,679 Speaker 3: If that interestingly, not only is there a phenomenon in 194 00:09:37,720 --> 00:09:39,600 Speaker 3: my neighborhood where some people do it, but they do 195 00:09:39,640 --> 00:09:41,480 Speaker 3: feel they need to announce it on What's up, So 196 00:09:41,520 --> 00:09:45,320 Speaker 3: there must be some sort of status they wanted it 197 00:09:45,559 --> 00:09:48,680 Speaker 3: going on, and that weird do not give those out? 198 00:09:49,720 --> 00:09:52,600 Speaker 2: Yeah, which is so funny because again, like it's seventy 199 00:09:52,600 --> 00:09:56,080 Speaker 2: five dollars, Like, if you had seventy five full size. 200 00:09:55,800 --> 00:09:57,800 Speaker 3: Candy in one sitting for a kid, I'm sorry I 201 00:09:57,840 --> 00:09:59,040 Speaker 3: have Like, Okay, anyway, we'll. 202 00:09:58,920 --> 00:10:01,440 Speaker 1: Keep moving on from that. 203 00:10:01,920 --> 00:10:04,040 Speaker 2: But you know, later you realize that people just spend 204 00:10:04,080 --> 00:10:06,360 Speaker 2: their money on different things, and some people choose to 205 00:10:06,400 --> 00:10:09,240 Speaker 2: spend their money on things that you see or that 206 00:10:09,320 --> 00:10:12,200 Speaker 2: you might think are really cool as a kid, and 207 00:10:12,240 --> 00:10:14,360 Speaker 2: it has nothing to do with how much happens to 208 00:10:14,360 --> 00:10:17,640 Speaker 2: be in somebody's bank account. But yeah, yeah, so let's 209 00:10:17,679 --> 00:10:19,560 Speaker 2: take a quick ad break and then we'll be back 210 00:10:19,559 --> 00:10:34,720 Speaker 2: with a couple more money questions. Well, we are back 211 00:10:34,880 --> 00:10:39,400 Speaker 2: doing an episode on money. We are asking different questions. 212 00:10:39,400 --> 00:10:42,840 Speaker 2: We're not telling anyone to give up Netflix or lattes. Instead, 213 00:10:42,840 --> 00:10:45,760 Speaker 2: we are exploring different angles of money. So, Sarah, here's 214 00:10:45,800 --> 00:10:50,680 Speaker 2: a question. If you were to plan a weekend that 215 00:10:50,920 --> 00:10:54,120 Speaker 2: was free and fun, but free as in no new 216 00:10:54,160 --> 00:10:57,920 Speaker 2: money going out the door, what would you choose to 217 00:10:58,240 --> 00:10:59,280 Speaker 2: include in such a weekend? 218 00:10:59,760 --> 00:11:04,640 Speaker 3: Yeah, I would definitely make use of nature, because certain 219 00:11:04,679 --> 00:11:08,280 Speaker 3: things in our area are really pleasant and either extremely 220 00:11:08,320 --> 00:11:10,679 Speaker 3: low cost, like you would just pay maybe a couple 221 00:11:10,760 --> 00:11:15,240 Speaker 3: dollars at the parking garage or free. And so probably 222 00:11:15,240 --> 00:11:18,120 Speaker 3: a beach morning would be a great way to spend 223 00:11:18,120 --> 00:11:20,760 Speaker 3: the day. You could bring lunch, bring food, whatever. You 224 00:11:20,840 --> 00:11:23,640 Speaker 3: might have to spend a couple dollars for parking, but 225 00:11:23,800 --> 00:11:25,800 Speaker 3: honestly it should be nominal, and then that would be 226 00:11:25,840 --> 00:11:30,200 Speaker 3: free entertainment, the ocean, the sand, hopefully good weather. Another 227 00:11:30,280 --> 00:11:34,000 Speaker 3: activity would be perhaps to do like some cozy reading time, 228 00:11:34,080 --> 00:11:36,880 Speaker 3: and then maybe bake something with ingredients that are already 229 00:11:36,960 --> 00:11:40,440 Speaker 3: on hand, so cookies for everyone. That always makes things fun. 230 00:11:40,840 --> 00:11:45,280 Speaker 3: And then in terms of like if I were hosting 231 00:11:45,440 --> 00:11:48,240 Speaker 3: or wanted to have a more festive dinner, A lot 232 00:11:48,240 --> 00:11:51,240 Speaker 3: of times we have leftover slices of pizza in the 233 00:11:51,240 --> 00:11:54,120 Speaker 3: freezer and placed in the oven. When you heat that up, 234 00:11:54,920 --> 00:11:57,360 Speaker 3: it's as good as new. It tastes like delivery. So 235 00:11:57,440 --> 00:12:00,440 Speaker 3: that's how I would have faux take out on our 236 00:12:00,640 --> 00:12:02,920 Speaker 3: free weekend adventure. 237 00:12:03,040 --> 00:12:05,400 Speaker 2: Yeah, I feel like after we host a kid's birthday 238 00:12:05,400 --> 00:12:08,000 Speaker 2: party or somenday, because I always overorder pizza, which is 239 00:12:08,559 --> 00:12:11,439 Speaker 2: me fighting my natural tendency. I would under order the pizza, 240 00:12:11,480 --> 00:12:13,319 Speaker 2: and that has happened the first one or two times 241 00:12:13,320 --> 00:12:15,800 Speaker 2: that this did, so that I need to compensate and 242 00:12:15,880 --> 00:12:19,880 Speaker 2: over order the pizza so I don't run out. But 243 00:12:19,920 --> 00:12:21,760 Speaker 2: then we wind up with all this extra that we freeze. 244 00:12:21,760 --> 00:12:23,600 Speaker 2: So yeah, we tend to always have that in the 245 00:12:23,679 --> 00:12:27,800 Speaker 2: freezer as well. So I have a couple things. One 246 00:12:28,000 --> 00:12:31,280 Speaker 2: is I would go ahead and throw my open that 247 00:12:31,480 --> 00:12:35,160 Speaker 2: bottle party. So I mean, wine is not a frugal 248 00:12:35,200 --> 00:12:37,920 Speaker 2: hobby if people are into it. But some longtime listeners 249 00:12:38,000 --> 00:12:41,280 Speaker 2: know that in the course of buying our house, the 250 00:12:41,320 --> 00:12:46,079 Speaker 2: previous owner threw in his wine collection, which had not 251 00:12:46,360 --> 00:12:51,480 Speaker 2: necessarily been perhaps as carefully stored as one might given 252 00:12:51,800 --> 00:12:54,120 Speaker 2: the number of bottles, and it was more I think 253 00:12:54,160 --> 00:12:55,440 Speaker 2: he didn't want to have to move him. 254 00:12:55,320 --> 00:12:56,120 Speaker 1: He was downsizing. 255 00:12:56,160 --> 00:12:58,560 Speaker 2: We're like, okay, whatever, So anyway, we have this and 256 00:12:58,600 --> 00:12:59,720 Speaker 2: we don't drink a lot of wine. 257 00:13:00,120 --> 00:13:01,680 Speaker 1: So what I thought would be fun to. 258 00:13:01,640 --> 00:13:06,120 Speaker 2: Do is have people over and they could choose bottles 259 00:13:06,559 --> 00:13:10,040 Speaker 2: and open them and maybe it would be good, maybe 260 00:13:10,040 --> 00:13:11,680 Speaker 2: they would be terrible, But then I guess you'd open 261 00:13:11,720 --> 00:13:14,480 Speaker 2: another one and see if you could find a different 262 00:13:14,520 --> 00:13:18,680 Speaker 2: flavor that didn't mind the sort of slightly fluctuating temperature 263 00:13:18,720 --> 00:13:21,680 Speaker 2: and storage as much. And then you know, I'd have 264 00:13:21,720 --> 00:13:24,280 Speaker 2: my guests bring like an appetizer or something, so it 265 00:13:24,280 --> 00:13:29,000 Speaker 2: would be a party, but without any new cash going 266 00:13:29,080 --> 00:13:29,720 Speaker 2: out the door. 267 00:13:29,880 --> 00:13:31,280 Speaker 1: So maybe that'll be something I. 268 00:13:31,200 --> 00:13:34,400 Speaker 2: Will actually do it something it's very fun. Yeah, add 269 00:13:34,400 --> 00:13:36,839 Speaker 2: that as a goal for the year. I would go 270 00:13:36,920 --> 00:13:38,880 Speaker 2: for a run or walk with a friend, because, like 271 00:13:38,920 --> 00:13:42,360 Speaker 2: you said, nature is always or generally mostly free, and 272 00:13:42,440 --> 00:13:44,760 Speaker 2: there's often a lot of beautiful things you can do. 273 00:13:45,880 --> 00:13:48,840 Speaker 2: Going to the library because you know, you get the 274 00:13:48,920 --> 00:13:53,000 Speaker 2: fun of getting new books or DVDs if you're into that, 275 00:13:53,200 --> 00:13:55,600 Speaker 2: and I guess most people stream these days, but you 276 00:13:55,600 --> 00:13:59,720 Speaker 2: could get new stuff and entertainment that way. We would 277 00:13:59,760 --> 00:14:03,440 Speaker 2: go somewhere we have a membership, so this could even 278 00:14:03,480 --> 00:14:06,080 Speaker 2: fill two weekend slots. We've talked in the past on 279 00:14:06,120 --> 00:14:09,559 Speaker 2: this podcast about there's like five weekend slots like Friday night, 280 00:14:09,920 --> 00:14:13,760 Speaker 2: Saturday Day, Saturday nights, Sunday Day, Sunday night, so this could. 281 00:14:13,520 --> 00:14:16,920 Speaker 1: Maybe even fill two. We have memberships at. 282 00:14:16,840 --> 00:14:19,480 Speaker 2: Longwood Gardens, so that's you know, even if it's winter, 283 00:14:19,520 --> 00:14:22,160 Speaker 2: they've got the Greenhouse, which is fun to see. We 284 00:14:22,200 --> 00:14:25,600 Speaker 2: could go to the Zoo, which has a couple indoor 285 00:14:25,800 --> 00:14:28,840 Speaker 2: warm exhibits for like tropical animals, so that's always kind 286 00:14:28,840 --> 00:14:30,960 Speaker 2: of a fun wintry thing to do. Or go to 287 00:14:31,040 --> 00:14:33,440 Speaker 2: the Art Museum, which I also have a membership there. 288 00:14:33,960 --> 00:14:34,760 Speaker 1: And here's the thing. 289 00:14:35,240 --> 00:14:38,160 Speaker 2: For all three of those, I can get at least 290 00:14:38,840 --> 00:14:40,800 Speaker 2: if I plan it right, I can get free parking. 291 00:14:40,920 --> 00:14:44,040 Speaker 2: So Longwood is free because it's a giant parking lot. 292 00:14:44,800 --> 00:14:46,840 Speaker 2: The Zoo, if you're a member, you can get your 293 00:14:46,880 --> 00:14:49,720 Speaker 2: parking validated and get free, or else you can usually 294 00:14:49,760 --> 00:14:52,200 Speaker 2: find a spot on the street near there if you're 295 00:14:52,240 --> 00:14:55,480 Speaker 2: willing to walk two blocks, so that's another option. And 296 00:14:55,520 --> 00:14:58,640 Speaker 2: then the Art Museum is most definitely not free, but 297 00:14:58,800 --> 00:15:00,960 Speaker 2: if you perk in the garage and you are a member, 298 00:15:01,240 --> 00:15:03,600 Speaker 2: and you get your ticket validated and you are out 299 00:15:03,800 --> 00:15:08,600 Speaker 2: in sub sixty minutes, it is free, so I would 300 00:15:08,680 --> 00:15:10,720 Speaker 2: have to make a very quick art museum trip. But 301 00:15:10,720 --> 00:15:12,720 Speaker 2: the good news is that my children won't last more 302 00:15:12,760 --> 00:15:14,840 Speaker 2: than an hour anyway, so it's all good. 303 00:15:15,160 --> 00:15:16,560 Speaker 1: We would be out of there. 304 00:15:16,960 --> 00:15:18,960 Speaker 3: As I can imagine you're getting close to the threshold 305 00:15:19,000 --> 00:15:20,880 Speaker 3: and you're like, okay, I know you're not gonna last, 306 00:15:20,920 --> 00:15:23,280 Speaker 3: Like maybe it'd be seventy minutes, but it might as 307 00:15:23,280 --> 00:15:24,080 Speaker 3: well be fifty nine. 308 00:15:24,120 --> 00:15:24,760 Speaker 1: It might be. 309 00:15:24,680 --> 00:15:27,400 Speaker 2: Fifty nine, and we were gonna be in the van 310 00:15:27,640 --> 00:15:28,400 Speaker 2: and out of here. 311 00:15:28,560 --> 00:15:30,600 Speaker 1: So I am not paying. I mean, it's like ridiculous. 312 00:15:30,640 --> 00:15:33,480 Speaker 2: It's like twenty dollars if you like, don't make the 313 00:15:33,520 --> 00:15:36,040 Speaker 2: f So the difference between like sixty one minutes and 314 00:15:36,080 --> 00:15:39,120 Speaker 2: fifty nine is pretty large, so you want to make 315 00:15:39,200 --> 00:15:41,320 Speaker 2: sure you are out of there, so. 316 00:15:41,280 --> 00:15:43,360 Speaker 1: Then there would truly be no new money out the 317 00:15:43,440 --> 00:15:44,560 Speaker 1: door for that. 318 00:15:45,840 --> 00:15:47,960 Speaker 3: This is why we are different, because like I don't 319 00:15:47,960 --> 00:15:49,640 Speaker 3: even notice, Like I don't even look. 320 00:15:49,720 --> 00:15:51,320 Speaker 1: You wouldn't notice that you had to pay twenty. 321 00:15:51,200 --> 00:15:52,560 Speaker 3: Dollars to part. I would just be like that's how 322 00:15:52,640 --> 00:15:54,960 Speaker 3: much part? Like I don't know. I just like, yeah, 323 00:15:55,880 --> 00:16:00,800 Speaker 3: I wouldn't really register. I'm not saying that's smart, it's 324 00:16:00,920 --> 00:16:01,640 Speaker 3: just true. 325 00:16:02,120 --> 00:16:04,960 Speaker 2: Well, there we go that baby, are our tendency right there? 326 00:16:04,960 --> 00:16:06,440 Speaker 2: I'm like, oh, it's a game. Let's get out in 327 00:16:06,440 --> 00:16:07,320 Speaker 2: fifty nine minutes. 328 00:16:07,320 --> 00:16:07,640 Speaker 1: All right. 329 00:16:07,680 --> 00:16:11,960 Speaker 2: So, Sarah, what is a smart financial move you have made? 330 00:16:12,440 --> 00:16:12,800 Speaker 1: Yeah? 331 00:16:12,880 --> 00:16:15,440 Speaker 3: So most of these have been in the last five 332 00:16:15,480 --> 00:16:17,520 Speaker 3: six years, because I'm not sure we were that smart 333 00:16:17,560 --> 00:16:18,000 Speaker 3: before then. 334 00:16:19,000 --> 00:16:19,600 Speaker 1: I have a few. 335 00:16:19,760 --> 00:16:22,120 Speaker 3: So one is similar to you, which is we did 336 00:16:22,160 --> 00:16:24,600 Speaker 3: luck out and get a mortgage under three percent just 337 00:16:24,760 --> 00:16:28,760 Speaker 3: before everything went really high, which also coincided with the 338 00:16:28,800 --> 00:16:31,360 Speaker 3: prices in our neighborhoods, thankfully, just before they sort of 339 00:16:31,520 --> 00:16:36,440 Speaker 3: rose a bit. So that was very helpful. Autopiloting savings 340 00:16:36,480 --> 00:16:39,360 Speaker 3: like really maxing out four h three b's and four 341 00:16:39,400 --> 00:16:42,920 Speaker 3: fifty seven's and like being strategic about that, and then 342 00:16:43,040 --> 00:16:47,400 Speaker 3: also like autopiloting college savings as well. I think those 343 00:16:47,400 --> 00:16:48,600 Speaker 3: are the big ones. 344 00:16:48,840 --> 00:16:53,800 Speaker 2: Yeah, yeah, so I would say, yeah, for one of 345 00:16:53,800 --> 00:16:56,920 Speaker 2: our biggest ones was moving from New York City, which 346 00:16:57,320 --> 00:16:59,080 Speaker 2: I love New York City, but you sort of reach 347 00:16:59,120 --> 00:17:02,760 Speaker 2: a point when you are parenting small children that you realize, 348 00:17:02,800 --> 00:17:05,920 Speaker 2: you know, what am I doing to enjoy the city, 349 00:17:05,960 --> 00:17:07,720 Speaker 2: Like not that much. We're not going out to fancy 350 00:17:07,760 --> 00:17:09,960 Speaker 2: restaurants that often we're not going to Broadway. 351 00:17:10,000 --> 00:17:10,280 Speaker 1: We're not. 352 00:17:11,200 --> 00:17:13,960 Speaker 2: We are just here with small kids, going to work, 353 00:17:14,000 --> 00:17:17,560 Speaker 2: in daycare and the park, all of which you can 354 00:17:17,600 --> 00:17:21,840 Speaker 2: do elsewhere. So neither my husband nor I actually have 355 00:17:21,960 --> 00:17:27,440 Speaker 2: to live anywhere really, So he has to be. 356 00:17:28,040 --> 00:17:31,400 Speaker 3: Said that, what's that, we're not location constricted? 357 00:17:31,920 --> 00:17:36,920 Speaker 2: Yeah, I mean, we're not location constricted. He has to 358 00:17:36,960 --> 00:17:40,040 Speaker 2: go visit clients more often than I would ever do, 359 00:17:40,200 --> 00:17:42,879 Speaker 2: but like it's really hard to get them all in 360 00:17:42,920 --> 00:17:45,560 Speaker 2: such a geographical cluster that you would be driving to 361 00:17:45,600 --> 00:17:48,320 Speaker 2: all of them within an hour anyway, so you're usually 362 00:17:48,400 --> 00:17:50,000 Speaker 2: on a plane or train or what are Most of 363 00:17:50,000 --> 00:17:52,600 Speaker 2: his clients are either in Washington, DC or New York, 364 00:17:52,680 --> 00:17:54,480 Speaker 2: or they're on the West coast, or you know, there's 365 00:17:54,480 --> 00:17:59,240 Speaker 2: some in our area. But anyway, we could have lived wherever. 366 00:17:59,400 --> 00:18:04,560 Speaker 2: So we decide to move here, and Pennsylvania is just 367 00:18:04,600 --> 00:18:08,520 Speaker 2: a lower cost of living place. Philadelphia is a much 368 00:18:08,520 --> 00:18:12,359 Speaker 2: more accessible city in terms of I mean that parking 369 00:18:12,359 --> 00:18:14,520 Speaker 2: garage at the Art Museum would probably be fifty dollars 370 00:18:14,560 --> 00:18:17,120 Speaker 2: in New York, whereas it's like twenty Herod and Philly, 371 00:18:18,280 --> 00:18:21,600 Speaker 2: and you can get a house that is twenty minutes 372 00:18:21,640 --> 00:18:25,879 Speaker 2: outside downtown whereas that's a lot harder to do with Manhattan. 373 00:18:26,640 --> 00:18:28,840 Speaker 2: You're out of ways before you're getting a house with 374 00:18:28,880 --> 00:18:31,440 Speaker 2: a yard. And you know, we've been able to send 375 00:18:31,440 --> 00:18:34,880 Speaker 2: our kids to our local public school, which is awesome, 376 00:18:35,119 --> 00:18:37,720 Speaker 2: Like it's a good public school, and so that those 377 00:18:37,760 --> 00:18:41,800 Speaker 2: are some pretty significant cost of living differences. 378 00:18:41,840 --> 00:18:43,400 Speaker 1: So yeah, that was good. 379 00:18:43,400 --> 00:18:45,879 Speaker 2: But yeah, we have the three percent mortgage thing was 380 00:18:46,480 --> 00:18:48,000 Speaker 2: total luck and we are so. 381 00:18:48,720 --> 00:18:53,600 Speaker 3: Glad that we purchased at the exact right minute. Well, 382 00:18:53,640 --> 00:18:56,680 Speaker 3: speaking of purchasing timing, let's talk about financial mistakes. 383 00:18:58,359 --> 00:19:03,000 Speaker 2: Yeah, so a couple, I would say when it's sort 384 00:19:03,000 --> 00:19:06,720 Speaker 2: of silly because this is just opportunity cost. But I 385 00:19:07,119 --> 00:19:12,320 Speaker 2: was the kind of kid who was reading the newspaper 386 00:19:12,560 --> 00:19:15,159 Speaker 2: at my neighbor's driveway where I was waiting for the 387 00:19:15,200 --> 00:19:17,280 Speaker 2: bus in sixth grade. 388 00:19:17,520 --> 00:19:19,040 Speaker 1: I don't know, I just looked at their newspaper. I 389 00:19:19,080 --> 00:19:20,000 Speaker 1: figured they didn't care. 390 00:19:19,880 --> 00:19:23,639 Speaker 2: That much if I really knew frugal to read my 391 00:19:23,680 --> 00:19:27,280 Speaker 2: neighbor's newspaper, but anyway, I would look at it. And 392 00:19:27,320 --> 00:19:31,960 Speaker 2: so I was following the dow since this would have 393 00:19:31,960 --> 00:19:35,960 Speaker 2: been nineteen eighty nine, so shortly after the eighty seven crash. 394 00:19:36,520 --> 00:19:39,720 Speaker 2: If one had bought in at the time where I 395 00:19:39,760 --> 00:19:43,200 Speaker 2: started to pay attention to it. That would have been 396 00:19:44,280 --> 00:19:48,080 Speaker 2: well over another decade of being in in long term 397 00:19:48,119 --> 00:19:50,840 Speaker 2: investing than I actually have to have, because I was, 398 00:19:50,880 --> 00:19:53,479 Speaker 2: as it turned out, saving all my babysitting money, saving 399 00:19:53,520 --> 00:19:57,879 Speaker 2: all my Fazzoli's Italian restaurant money, saving all my Osco 400 00:19:57,960 --> 00:20:02,680 Speaker 2: drugstore money, saving all my working at a gym daycare 401 00:20:02,960 --> 00:20:07,199 Speaker 2: money for years. So that would have been an option. 402 00:20:07,320 --> 00:20:10,399 Speaker 2: And we with our kids, we actually give them a 403 00:20:10,440 --> 00:20:14,600 Speaker 2: bank account when they turned ten, and it is not 404 00:20:14,720 --> 00:20:17,359 Speaker 2: just a you put it in at whatever the bank 405 00:20:17,440 --> 00:20:21,440 Speaker 2: interest is. They have the ability to invest within it, 406 00:20:21,800 --> 00:20:23,800 Speaker 2: and so we're teaching them about it, and some of 407 00:20:23,800 --> 00:20:26,239 Speaker 2: them are more into it than others. That's where their 408 00:20:26,280 --> 00:20:31,520 Speaker 2: personalities comes out. Some people were like buying big Nvidia 409 00:20:31,640 --> 00:20:35,080 Speaker 2: and others are like money market account like CDs, like 410 00:20:35,200 --> 00:20:37,240 Speaker 2: you know, it's it's a very different risk profile. 411 00:20:37,840 --> 00:20:41,560 Speaker 1: But giving them the tools to do that. 412 00:20:41,840 --> 00:20:43,360 Speaker 2: I'll give another mistake in a minute, but I want 413 00:20:43,359 --> 00:20:44,560 Speaker 2: to hear yours first. 414 00:20:44,920 --> 00:20:46,840 Speaker 3: Well it's not I mean, well okay, I have one. 415 00:20:46,840 --> 00:20:48,800 Speaker 3: There's an actual mistake and one that's just like a 416 00:20:49,200 --> 00:20:51,040 Speaker 3: oh my god, like it just kills me. 417 00:20:51,160 --> 00:20:51,800 Speaker 1: To think about. 418 00:20:51,840 --> 00:20:55,680 Speaker 3: But the mistake is that we did something very stereotypical 419 00:20:55,680 --> 00:20:57,959 Speaker 3: and dumb, which is we bought universal life insurance and 420 00:20:58,080 --> 00:21:00,800 Speaker 3: like twenty twenty five me is like, are you serious? 421 00:21:01,000 --> 00:21:05,040 Speaker 3: But I don't know twenty thirteen meters was very naive, 422 00:21:05,119 --> 00:21:07,560 Speaker 3: like you don't get any financial training in med school. 423 00:21:07,560 --> 00:21:10,080 Speaker 3: And I'm not saying this person was predatory, but I'm 424 00:21:10,080 --> 00:21:11,720 Speaker 3: sure they knew that we didn't really know much, and 425 00:21:12,080 --> 00:21:14,919 Speaker 3: we paid into that. It was very expensive for multiple 426 00:21:14,960 --> 00:21:16,880 Speaker 3: years before I was like, this is so stupid. 427 00:21:18,000 --> 00:21:19,240 Speaker 1: We can put this. 428 00:21:19,240 --> 00:21:22,680 Speaker 3: Like autopilot into our retirement accounts. It won't get tax, 429 00:21:22,760 --> 00:21:25,240 Speaker 3: it will grow, and this vehicle is not going to 430 00:21:25,280 --> 00:21:28,920 Speaker 3: do those things. So we got out and that's good, 431 00:21:29,040 --> 00:21:31,840 Speaker 3: but it was a mistake. And then the other thing 432 00:21:32,160 --> 00:21:33,960 Speaker 3: is not really a mistake. This is more like failure 433 00:21:34,000 --> 00:21:37,000 Speaker 3: to predict the future. But the timing of our sales 434 00:21:37,040 --> 00:21:39,080 Speaker 3: of our home. We had an episode where I talked 435 00:21:39,080 --> 00:21:41,560 Speaker 3: about renting you guys, we could not give that house 436 00:21:41,600 --> 00:21:44,440 Speaker 3: away in Miami Beach. And now, I mean the market 437 00:21:44,480 --> 00:21:47,800 Speaker 3: values are like triple what we sold it for. That's 438 00:21:47,840 --> 00:21:50,320 Speaker 3: a lot that's like a meaningful amount of money to us, 439 00:21:50,359 --> 00:21:52,159 Speaker 3: like it would mean a difference in terms of like 440 00:21:52,160 --> 00:21:54,080 Speaker 3: college funding, in terms of retirement, Like it would have 441 00:21:54,119 --> 00:21:57,800 Speaker 3: been a life changing thing had the timing been different. 442 00:21:58,080 --> 00:22:00,800 Speaker 3: And that's not a mistake because how did we know that, right, Like, 443 00:22:01,000 --> 00:22:03,480 Speaker 3: there were real estate agents that were coming by saying 444 00:22:03,560 --> 00:22:05,960 Speaker 3: this area is done, it's going to be underwater, it's 445 00:22:06,000 --> 00:22:07,880 Speaker 3: only going to get wars from here. While it turns 446 00:22:07,920 --> 00:22:10,960 Speaker 3: out they were super wrong and it's unfortunate. 447 00:22:11,119 --> 00:22:13,920 Speaker 1: Yeah, yeah, no, we had that too. 448 00:22:14,560 --> 00:22:19,800 Speaker 2: We sold our first apartment in New York in basically 449 00:22:20,760 --> 00:22:24,479 Speaker 2: two thousand and eight, yes, right, like in the financial crash, 450 00:22:24,560 --> 00:22:29,800 Speaker 2: and New York was like ooohh. We didn't lose money 451 00:22:29,800 --> 00:22:31,320 Speaker 2: on it, right, Like, you sold it for like a 452 00:22:31,359 --> 00:22:34,080 Speaker 2: couple like a little bit more than what we paid 453 00:22:34,119 --> 00:22:36,919 Speaker 2: for it, and it took a while for it to 454 00:22:36,960 --> 00:22:40,359 Speaker 2: come back. Like I'm not sad that we didn't hold 455 00:22:40,400 --> 00:22:42,200 Speaker 2: on to it trying to rent it out or anything, 456 00:22:42,200 --> 00:22:44,080 Speaker 2: because I think it would have been quite a. 457 00:22:43,960 --> 00:22:45,040 Speaker 1: Hassle to do that. 458 00:22:46,040 --> 00:22:51,320 Speaker 2: But yeah, it was definitely the bottom of the market 459 00:22:51,600 --> 00:22:54,320 Speaker 2: when that one went out, So yeah, you can't time 460 00:22:54,400 --> 00:22:57,199 Speaker 2: these things. I Mean the upside then is and we 461 00:22:57,240 --> 00:23:00,800 Speaker 2: bought this house right before prices took off, so it 462 00:23:00,880 --> 00:23:04,400 Speaker 2: was in the low of the pandemic, and that sometimes 463 00:23:04,400 --> 00:23:05,680 Speaker 2: you win, sometimes you lose. 464 00:23:06,720 --> 00:23:08,679 Speaker 3: Yeah, thankfully, I will say I think we did pretty 465 00:23:08,680 --> 00:23:10,959 Speaker 3: well with the purchase. We waited a little bit and 466 00:23:10,960 --> 00:23:13,240 Speaker 3: we got it just in time, so at least we 467 00:23:13,240 --> 00:23:15,280 Speaker 3: didn't kind of get it on both Yeah. 468 00:23:15,480 --> 00:23:18,840 Speaker 2: Yeah, And in terms of a smaller one, I've definitely 469 00:23:19,960 --> 00:23:24,480 Speaker 2: bought things on sale that turn out not to be 470 00:23:24,760 --> 00:23:27,040 Speaker 2: that great, but it's just like, oh, but it's on sale, 471 00:23:27,440 --> 00:23:30,600 Speaker 2: but it's still money out the door. So the fact 472 00:23:30,680 --> 00:23:33,679 Speaker 2: that you got a one hundred dollar item or what 473 00:23:33,680 --> 00:23:36,639 Speaker 2: they're calling one hundred dollar item for twenty five dollars, like, if. 474 00:23:36,480 --> 00:23:38,600 Speaker 1: It's not actually really truly worth. 475 00:23:38,359 --> 00:23:41,320 Speaker 2: Twenty five dollars to you, then it's it's still a 476 00:23:41,359 --> 00:23:44,760 Speaker 2: waste of twenty five dollars. So I just always try 477 00:23:44,760 --> 00:23:48,320 Speaker 2: to tell myself, and I've gotten better about it. If 478 00:23:48,359 --> 00:23:51,679 Speaker 2: you would pay full price for this and then you 479 00:23:51,720 --> 00:23:54,160 Speaker 2: get a discount, that is good. 480 00:23:55,000 --> 00:23:56,840 Speaker 1: But if you are only buying. 481 00:23:56,600 --> 00:24:00,840 Speaker 2: It because it is on a discount, you probably don't 482 00:24:00,880 --> 00:24:01,800 Speaker 2: really want it. 483 00:24:02,040 --> 00:24:04,800 Speaker 3: Totally agree. I basically never buy clothing on sale. I 484 00:24:04,800 --> 00:24:07,280 Speaker 3: think the only situation I would is if I wanted 485 00:24:07,320 --> 00:24:09,399 Speaker 3: a duplicate of something I already owned and it happened 486 00:24:09,400 --> 00:24:11,160 Speaker 3: to go on sale and I already know I loved it. 487 00:24:11,320 --> 00:24:13,919 Speaker 2: That's like it Yeah, well, this is the one where 488 00:24:13,960 --> 00:24:16,080 Speaker 2: my husband's sort of funny tendencies come out because he 489 00:24:16,119 --> 00:24:19,240 Speaker 2: buys stuff at the Nordstrom anniversary sale every year. What 490 00:24:19,280 --> 00:24:21,159 Speaker 2: if it happen like twice a year or something, and 491 00:24:21,200 --> 00:24:25,199 Speaker 2: it's always like he likes Hugo bas and it's like 492 00:24:25,840 --> 00:24:27,960 Speaker 2: but he will buy whatever was on sale, and so 493 00:24:28,000 --> 00:24:29,440 Speaker 2: it's like it won't even fit him. 494 00:24:29,720 --> 00:24:32,000 Speaker 1: I mean, it will literally be a shirt that does 495 00:24:32,080 --> 00:24:33,119 Speaker 1: not fit him. 496 00:24:33,359 --> 00:24:36,479 Speaker 2: Or there's just like some blazer that had like weird 497 00:24:36,680 --> 00:24:39,760 Speaker 2: trim on it that like didn't you know, so you 498 00:24:39,800 --> 00:24:42,040 Speaker 2: either have to return it or then you know, one case, 499 00:24:42,080 --> 00:24:44,320 Speaker 2: we want to like donating stuff, and it's just like okay, 500 00:24:45,080 --> 00:24:49,320 Speaker 2: like if you want something from there, just buy a 501 00:24:49,359 --> 00:24:52,960 Speaker 2: few things from there. Like don't buy whatever was left 502 00:24:53,000 --> 00:24:54,879 Speaker 2: over that they're getting out on the sale. 503 00:24:55,359 --> 00:24:58,120 Speaker 1: You don't even it's not gonna Work's. 504 00:24:57,880 --> 00:25:00,399 Speaker 3: Totally agree first bender, I'm either like I'm buying nothing 505 00:25:00,600 --> 00:25:02,639 Speaker 3: or I'm buying like exactly what I want and like 506 00:25:02,840 --> 00:25:05,400 Speaker 3: not that in between gray area and I've made those 507 00:25:05,400 --> 00:25:07,760 Speaker 3: mistakes as a younger person, but not in the last 508 00:25:08,080 --> 00:25:08,679 Speaker 3: decade or so. 509 00:25:09,040 --> 00:25:10,960 Speaker 2: Yeah, all right, we're gonna take one more quick ad 510 00:25:11,000 --> 00:25:12,399 Speaker 2: break and then we'll be back with a little bit 511 00:25:12,440 --> 00:25:22,240 Speaker 2: more about money. 512 00:25:26,280 --> 00:25:27,200 Speaker 1: Well, we are back. 513 00:25:27,240 --> 00:25:30,920 Speaker 2: We were talking all things finances. We're doing money questions, 514 00:25:30,960 --> 00:25:34,760 Speaker 2: but nothing that involves giving up Netflix or lattes. So, Sarah, 515 00:25:34,840 --> 00:25:37,440 Speaker 2: this may be our different question here. If you received 516 00:25:37,480 --> 00:25:40,520 Speaker 2: a windfall, what would you change about your life? And 517 00:25:40,520 --> 00:25:42,600 Speaker 2: then I realized I hadn't put a dollar amount, so 518 00:25:42,640 --> 00:25:45,280 Speaker 2: it's left up to personal decision. 519 00:25:45,359 --> 00:25:46,560 Speaker 1: How much is this windfall? 520 00:25:46,680 --> 00:25:49,080 Speaker 3: It's a million dollars, It's a million dollars, Okay, all right, 521 00:25:49,119 --> 00:25:49,840 Speaker 3: I would do a lot. 522 00:25:50,280 --> 00:25:55,639 Speaker 2: Okay, all right, what are we doing with our millions? 523 00:25:55,640 --> 00:25:56,120 Speaker 1: Sarah? 524 00:25:56,200 --> 00:25:59,080 Speaker 3: I'd probably convince my husband to replace his car, okay, 525 00:25:59,080 --> 00:26:04,479 Speaker 3: because it's old. I would surprising people. I would actually 526 00:26:04,480 --> 00:26:07,320 Speaker 3: get nicer furniture for our house because I don't want 527 00:26:07,320 --> 00:26:08,720 Speaker 3: to spend my money on it. But if I happen 528 00:26:08,760 --> 00:26:11,000 Speaker 3: to like have extra money, I think it might be nice. 529 00:26:11,359 --> 00:26:12,560 Speaker 3: I would hire an organizer. 530 00:26:12,640 --> 00:26:14,680 Speaker 2: Oh wait, wait, here's the thing, because once the money 531 00:26:14,720 --> 00:26:16,879 Speaker 2: came in, it is your money, right, Like, this is 532 00:26:16,920 --> 00:26:20,120 Speaker 2: the But are we saying, like Daddy Warbucks is out 533 00:26:20,119 --> 00:26:22,960 Speaker 2: there being like, I will run my card for this furniture, Like. 534 00:26:22,920 --> 00:26:28,840 Speaker 3: What is million showing up and like to be spent? Okay, 535 00:26:29,000 --> 00:26:32,040 Speaker 3: I'd hire an organizer. I would what did I write? Oh, 536 00:26:32,080 --> 00:26:34,600 Speaker 3: take more lavish vacations. I mean I would take similar 537 00:26:34,640 --> 00:26:37,000 Speaker 3: vacations that we take, but like instead of kind of 538 00:26:37,000 --> 00:26:39,800 Speaker 3: maybe doing a cheaper one in between fancy ones, they 539 00:26:39,800 --> 00:26:42,240 Speaker 3: would just all be really nice. 540 00:26:42,359 --> 00:26:42,520 Speaker 2: Yeah. 541 00:26:42,560 --> 00:26:46,240 Speaker 3: I would definitely be like four seasons, nice hotels, et cetera. 542 00:26:46,640 --> 00:26:51,560 Speaker 3: And I would get weekly massages. Yeah, that's nice. A 543 00:26:51,600 --> 00:26:53,960 Speaker 3: weekly massages sounds good. 544 00:26:54,000 --> 00:26:56,600 Speaker 2: But the prom is, Sarah, it's the time, like two 545 00:26:56,680 --> 00:26:58,240 Speaker 2: time time in your schedule. 546 00:26:58,320 --> 00:26:59,960 Speaker 1: Okay, you do have time in your schedule for a week. 547 00:27:00,320 --> 00:27:01,280 Speaker 3: I would find it. 548 00:27:01,440 --> 00:27:02,480 Speaker 1: You would find the time. 549 00:27:03,600 --> 00:27:05,520 Speaker 3: I would go on one less run, but. 550 00:27:07,080 --> 00:27:08,520 Speaker 2: You don't want to go on one less run. You 551 00:27:08,520 --> 00:27:11,879 Speaker 2: still want to Boston qualify. Like here's the problem. So 552 00:27:12,240 --> 00:27:14,080 Speaker 2: this is okay, because this is where we get to 553 00:27:14,760 --> 00:27:15,159 Speaker 2: why am I? 554 00:27:15,320 --> 00:27:15,679 Speaker 1: Okay? 555 00:27:15,880 --> 00:27:18,080 Speaker 2: If I got like one hundred billion dollars, Like, would 556 00:27:18,080 --> 00:27:19,200 Speaker 2: it be fun to own the Phillies? 557 00:27:19,240 --> 00:27:19,480 Speaker 1: Sure? 558 00:27:19,560 --> 00:27:23,359 Speaker 2: Okay, Like, but that's if we're talking more like a 559 00:27:23,440 --> 00:27:26,720 Speaker 2: million dollars. I mean, it'd be wonderful to be welcome. Sure, 560 00:27:26,760 --> 00:27:28,400 Speaker 2: I mean I'd take it. I'm not turning it down. 561 00:27:28,440 --> 00:27:33,160 Speaker 2: But the problem is more like time is optimized right now, 562 00:27:33,680 --> 00:27:38,160 Speaker 2: and there are very few more levers to push on that, 563 00:27:38,320 --> 00:27:41,439 Speaker 2: Like I can pay for more childcare now, Like if 564 00:27:41,480 --> 00:27:43,480 Speaker 2: I want to pay for five more hours of childcare 565 00:27:43,560 --> 00:27:45,119 Speaker 2: right now, I could do that. 566 00:27:45,560 --> 00:27:48,080 Speaker 1: My kids don't want it, like they want to be with. 567 00:27:47,960 --> 00:27:51,760 Speaker 2: Me right like, so I need to deal with that 568 00:27:51,920 --> 00:27:55,920 Speaker 2: reality that I've already have childcare to cover X number 569 00:27:55,920 --> 00:27:59,840 Speaker 2: of hours and that is what I can do with 570 00:28:00,040 --> 00:28:02,040 Speaker 2: the amount that my kids still want me to be 571 00:28:02,119 --> 00:28:05,840 Speaker 2: doing stuff with them. So that's the problem. That's what 572 00:28:05,880 --> 00:28:07,639 Speaker 2: I kept coming back to. I was like, well, i 573 00:28:07,640 --> 00:28:11,280 Speaker 2: would like to take more trips, okay, but I'm traveling 574 00:28:11,280 --> 00:28:13,800 Speaker 2: with the school schedule, like we already travel when the 575 00:28:13,880 --> 00:28:16,560 Speaker 2: kids are out of school. I mean, maybe I would 576 00:28:16,560 --> 00:28:20,080 Speaker 2: stand like a slightly nicer hotel, but that wouldn't materially 577 00:28:20,200 --> 00:28:22,640 Speaker 2: change what I was doing. 578 00:28:22,800 --> 00:28:26,240 Speaker 3: You know, true, true, Yeah, these are tweaks. I mean, 579 00:28:26,280 --> 00:28:28,600 Speaker 3: none of this would materially change, right, Like a new car, 580 00:28:28,720 --> 00:28:30,359 Speaker 3: Like okay, I'd still be driving, but it would be 581 00:28:30,440 --> 00:28:31,159 Speaker 3: like a little nicer. 582 00:28:31,359 --> 00:28:31,960 Speaker 1: Yeah, you're right. 583 00:28:32,000 --> 00:28:34,040 Speaker 3: I mean none of this would change. The massages would 584 00:28:34,040 --> 00:28:36,720 Speaker 3: probably change my lifestyle more than any of the other 585 00:28:36,800 --> 00:28:39,680 Speaker 3: things I listed. I still think I'd find time. 586 00:28:39,880 --> 00:28:41,680 Speaker 1: You'd find time, Okay, well. 587 00:28:41,640 --> 00:28:44,200 Speaker 2: Because she'd be less worried about teaching that extra course 588 00:28:44,280 --> 00:28:46,600 Speaker 2: because or I would. 589 00:28:47,480 --> 00:28:49,520 Speaker 3: Oh well, that is an interesting question. Would I do? 590 00:28:49,920 --> 00:28:52,920 Speaker 3: Would I somehow? I don't think a million dollars would 591 00:28:52,920 --> 00:28:56,160 Speaker 3: be enough, but if I could somehow like buy myself 592 00:28:56,240 --> 00:28:58,320 Speaker 3: out of most of call, that would be. 593 00:29:01,800 --> 00:29:04,240 Speaker 1: Yeah. Well that's again it comes down to time. 594 00:29:04,440 --> 00:29:06,400 Speaker 3: You're right. There's trade offs there, and it's like, oh, 595 00:29:06,440 --> 00:29:09,080 Speaker 3: I'm not being a team player like my colleagues. 596 00:29:09,680 --> 00:29:11,240 Speaker 1: Like you, and you value your relationship. 597 00:29:11,320 --> 00:29:13,600 Speaker 3: I do value that, You're right. So these are complicated. 598 00:29:13,720 --> 00:29:16,240 Speaker 1: Yeah, I know, I know. That's why I was a 599 00:29:17,000 --> 00:29:18,720 Speaker 1: It's a great question. It is a big question. 600 00:29:19,680 --> 00:29:21,000 Speaker 2: So you know, if somebody wants to give us a 601 00:29:21,040 --> 00:29:23,200 Speaker 2: million dollars, I'm shore we'll figure out something, all right, 602 00:29:23,360 --> 00:29:27,640 Speaker 2: So Sarah, next one, Allah the Frugal Girl. All right, 603 00:29:27,680 --> 00:29:30,360 Speaker 2: so both of us read Kristen the Frugal Girl her blog. 604 00:29:30,360 --> 00:29:34,280 Speaker 2: It's wonderful she does five frugal things. So what are 605 00:29:34,440 --> 00:29:37,080 Speaker 2: five frugal things you have done lately. 606 00:29:37,840 --> 00:29:38,800 Speaker 3: Yeah, this was fun. 607 00:29:38,840 --> 00:29:39,160 Speaker 1: Okay. 608 00:29:39,760 --> 00:29:43,080 Speaker 3: Number one. I eat leftovers whenever they are available, because 609 00:29:43,120 --> 00:29:46,280 Speaker 3: that solves two problems. It's good for the environment, and 610 00:29:46,320 --> 00:29:49,440 Speaker 3: it's good for the grocery budget. I shop at Trader Joe's. 611 00:29:49,520 --> 00:29:52,120 Speaker 3: I find this very frugal because honestly, anywhere else I 612 00:29:52,200 --> 00:29:54,120 Speaker 3: shop seems to cost at least one hundred dollars more 613 00:29:54,160 --> 00:29:56,920 Speaker 3: every time for like the same stuff. So I find 614 00:29:56,920 --> 00:29:57,920 Speaker 3: that habit to be frugal. 615 00:29:59,000 --> 00:29:59,200 Speaker 1: Oh. 616 00:29:59,360 --> 00:30:01,800 Speaker 3: I have frugal fun every morning with the New York 617 00:30:01,840 --> 00:30:04,600 Speaker 3: Times games. I'm not a subscriber, but Connections is free, 618 00:30:04,760 --> 00:30:07,880 Speaker 3: the Mini is free, Wordle is free. It's ten really 619 00:30:07,880 --> 00:30:11,360 Speaker 3: fun minutes of every morning that costs nothing. I love that. 620 00:30:11,400 --> 00:30:13,800 Speaker 2: I probably should put that behind the paywall, given I 621 00:30:13,840 --> 00:30:16,920 Speaker 2: think the proportion of visitors to their website who are 622 00:30:16,920 --> 00:30:19,480 Speaker 2: going to like play Connections and word all and all that. 623 00:30:19,600 --> 00:30:21,280 Speaker 1: Yeah, don't tell. 624 00:30:21,120 --> 00:30:25,000 Speaker 3: Them this, okay. Number four? Oh, well, you said this 625 00:30:25,120 --> 00:30:27,680 Speaker 3: was not going to be about lattes, but you didn't 626 00:30:27,680 --> 00:30:30,480 Speaker 3: buy a lot I talked to No, We've talked about 627 00:30:30,520 --> 00:30:33,240 Speaker 3: like my allowance and how I want to buy more, 628 00:30:33,600 --> 00:30:35,400 Speaker 3: like upgrade my clothes. This year, and I did an 629 00:30:35,400 --> 00:30:37,760 Speaker 3: analysis of what I was spending last year, and like, 630 00:30:38,120 --> 00:30:40,400 Speaker 3: I still enjoy Starbucks, but I was going to the 631 00:30:40,440 --> 00:30:42,200 Speaker 3: point where I wasn't even like enjoying. It was just 632 00:30:42,200 --> 00:30:44,520 Speaker 3: more like a given. So most days I've just switched 633 00:30:44,520 --> 00:30:46,240 Speaker 3: to drinking in the office coffee pat and you know 634 00:30:46,280 --> 00:30:48,760 Speaker 3: what it's I really just want the caffeine and the 635 00:30:48,800 --> 00:30:51,520 Speaker 3: hot liquids. So it makes me pretty much just as happy, 636 00:30:51,800 --> 00:30:54,600 Speaker 3: and it's like six dollars less every time. I still 637 00:30:54,600 --> 00:30:56,160 Speaker 3: want to go to Starbucks on occasion, but I think 638 00:30:56,160 --> 00:30:58,560 Speaker 3: it'll actually elevate it for when I do go. And 639 00:30:58,600 --> 00:31:01,400 Speaker 3: then finally, I do feel like we deserve a little 640 00:31:01,400 --> 00:31:06,680 Speaker 3: credit maybe for the twenty eleven prius that we still have. 641 00:31:08,000 --> 00:31:10,600 Speaker 3: My biggest worry about this is that like that car 642 00:31:10,680 --> 00:31:12,400 Speaker 3: is going to need replacing at the same time that 643 00:31:12,440 --> 00:31:14,120 Speaker 3: like we want to get a car for Anabel, and 644 00:31:14,120 --> 00:31:16,360 Speaker 3: then we'll be getting like two cars at once, which 645 00:31:16,360 --> 00:31:19,400 Speaker 3: will be silly. But yeah, maybe we can get a deal, 646 00:31:19,880 --> 00:31:22,160 Speaker 3: yeah package deal two cars. 647 00:31:22,720 --> 00:31:24,320 Speaker 2: I don't know how many dealers are doing it too, 648 00:31:24,400 --> 00:31:29,960 Speaker 2: for one, specially by one get one not a thing, 649 00:31:30,520 --> 00:31:34,600 Speaker 2: all right, okay, all right, so I may have to 650 00:31:34,640 --> 00:31:37,360 Speaker 2: modify mine here, but one my cheaper and faster than 651 00:31:37,440 --> 00:31:41,880 Speaker 2: takeout meals, So I came up with I tend not 652 00:31:42,040 --> 00:31:44,280 Speaker 2: to order in all that often, partly just because it 653 00:31:44,320 --> 00:31:46,640 Speaker 2: takes a long time for the stuff to comment. If 654 00:31:46,680 --> 00:31:49,719 Speaker 2: I'm hungry, I'm hungry, So especially if I'm just on 655 00:31:49,760 --> 00:31:52,360 Speaker 2: my own and I was like, I need something to eat, 656 00:31:53,160 --> 00:31:57,600 Speaker 2: I make an omelet with pepperoni or cheriso, because those 657 00:31:57,600 --> 00:32:01,240 Speaker 2: are spicy meats and off and one of the reasons 658 00:32:01,280 --> 00:32:03,600 Speaker 2: people like restaurant meals is they tend to have bolder 659 00:32:03,640 --> 00:32:05,360 Speaker 2: flavors than whatever you cook at home. 660 00:32:05,480 --> 00:32:07,760 Speaker 1: So if you are trying to recreate. 661 00:32:07,360 --> 00:32:11,240 Speaker 2: That, you want to make some spice in your meal 662 00:32:12,240 --> 00:32:15,800 Speaker 2: mixed with the vegetables and mabe chopped up fruit on 663 00:32:15,840 --> 00:32:18,120 Speaker 2: the side. But anyway, it's ready in ten minutes or 664 00:32:18,240 --> 00:32:22,120 Speaker 2: less and taste good fills me up. So I have 665 00:32:22,920 --> 00:32:26,520 Speaker 2: resorted to that several times instead of calling for delivery, 666 00:32:27,280 --> 00:32:31,640 Speaker 2: I am signing my kids up for vacation Bible camp. 667 00:32:32,200 --> 00:32:39,600 Speaker 2: So if people are looking for low cost options, many 668 00:32:39,720 --> 00:32:42,080 Speaker 2: of your houses of worship in your area will have 669 00:32:42,160 --> 00:32:46,000 Speaker 2: a week of vacation Bible camp and you are not 670 00:32:46,160 --> 00:32:49,120 Speaker 2: required usually to be a member of that house. 671 00:32:49,120 --> 00:32:49,600 Speaker 1: Of worship. 672 00:32:49,640 --> 00:32:53,000 Speaker 2: No, obviously, if you have a completely competing religion, perhaps 673 00:32:53,080 --> 00:32:56,600 Speaker 2: you do not wish well, you know what I mean, 674 00:32:56,680 --> 00:33:02,120 Speaker 2: like totally incompatible, because it will be teaching about yes, 675 00:33:02,880 --> 00:33:05,440 Speaker 2: like the Jesus will come up, I mean, you know, 676 00:33:05,560 --> 00:33:06,520 Speaker 2: in the course of the week. 677 00:33:06,720 --> 00:33:10,440 Speaker 1: But it tends to be pretty inexpensive. 678 00:33:10,560 --> 00:33:13,480 Speaker 2: So if you're looking for a week of not putting 679 00:33:13,520 --> 00:33:16,280 Speaker 2: much money out the door, sending a lot of kids 680 00:33:16,320 --> 00:33:20,240 Speaker 2: to that is always a win. Although my older two 681 00:33:20,280 --> 00:33:22,720 Speaker 2: boys are gonna have pretty cheap summers overall. 682 00:33:22,760 --> 00:33:23,840 Speaker 1: I am signing. 683 00:33:23,880 --> 00:33:27,200 Speaker 2: Sam up for two courses that are run through our 684 00:33:27,360 --> 00:33:31,760 Speaker 2: school district for summer school, so that's very cheap since 685 00:33:31,760 --> 00:33:35,440 Speaker 2: obviously we are members of the school district, and I 686 00:33:35,440 --> 00:33:38,440 Speaker 2: think Jasper is going to be working. So that's It's 687 00:33:38,440 --> 00:33:43,040 Speaker 2: the opposite of yeah, the opposite, the opposite of expensive, 688 00:33:43,160 --> 00:33:44,720 Speaker 2: So yay for that. 689 00:33:45,960 --> 00:33:48,400 Speaker 1: This I don't know, this is sort of a mixed bag. 690 00:33:48,400 --> 00:33:52,160 Speaker 2: We decided not to travel over President's Day weekend, and 691 00:33:52,800 --> 00:33:55,400 Speaker 2: in the past we have done sort of bigger trips 692 00:33:55,400 --> 00:33:58,920 Speaker 2: over that, either skiing or we've gone to Disney, but 693 00:33:59,040 --> 00:34:01,880 Speaker 2: it was just like we couldn't get ourselves excited about 694 00:34:01,920 --> 00:34:05,920 Speaker 2: anything this year, not everyone wanted to go on a 695 00:34:05,960 --> 00:34:08,080 Speaker 2: big ski trip, so we're probably just going to do 696 00:34:08,800 --> 00:34:12,440 Speaker 2: like local day trips to a couple of the Pocono 697 00:34:12,840 --> 00:34:17,479 Speaker 2: ski places. So we already have the the season pass 698 00:34:17,520 --> 00:34:20,120 Speaker 2: for Blue Mountain on the Epic Pass goes to a 699 00:34:20,120 --> 00:34:24,560 Speaker 2: couple places around here, and so just use those. So 700 00:34:24,640 --> 00:34:26,839 Speaker 2: it really won't be much money out the door for 701 00:34:26,960 --> 00:34:27,600 Speaker 2: that weekend. 702 00:34:27,719 --> 00:34:29,640 Speaker 1: So I guess that is. 703 00:34:29,760 --> 00:34:31,799 Speaker 2: I mean, we're not making the memories of going to 704 00:34:32,080 --> 00:34:33,719 Speaker 2: Utah together as a family, but. 705 00:34:34,320 --> 00:34:36,960 Speaker 1: Maybe we can make memories of the Poconos. 706 00:34:37,760 --> 00:34:40,040 Speaker 3: I have lots of memories of the Pokemon, memories of 707 00:34:40,080 --> 00:34:41,720 Speaker 3: the Pocados, Sarah. 708 00:34:41,800 --> 00:34:45,080 Speaker 1: And then I'll throw one in that is not really frugal. 709 00:34:45,480 --> 00:34:50,759 Speaker 2: But so we've done Eagles tickets lately to go to 710 00:34:50,800 --> 00:34:54,960 Speaker 2: the game, and I was watching they've made the playoffs. 711 00:34:55,040 --> 00:34:56,359 Speaker 1: This is after as well. 712 00:34:56,520 --> 00:34:58,839 Speaker 2: Who knows how it turned out for all us, But 713 00:34:59,480 --> 00:35:03,440 Speaker 2: I was watching the resale sites very very carefully and 714 00:35:03,560 --> 00:35:08,040 Speaker 2: knew roughly what the prices were, and I managed to 715 00:35:08,160 --> 00:35:13,319 Speaker 2: find tickets that were quite a bit under what some 716 00:35:13,360 --> 00:35:15,480 Speaker 2: of the others were, and I knew that they were 717 00:35:15,480 --> 00:35:16,960 Speaker 2: going to go immediately. 718 00:35:16,400 --> 00:35:18,680 Speaker 1: So as soon as I saw them, I bought them. 719 00:35:18,719 --> 00:35:21,760 Speaker 2: But the outside is that I am I paid probably 720 00:35:21,800 --> 00:35:24,000 Speaker 2: half what other people in the section will pay. 721 00:35:24,320 --> 00:35:26,440 Speaker 3: You traded time and attention for money, and in that 722 00:35:26,480 --> 00:35:27,319 Speaker 3: case it was worth it. 723 00:35:27,520 --> 00:35:28,080 Speaker 1: In that case. 724 00:35:28,280 --> 00:35:29,959 Speaker 2: That case is where it is a big ticket item. 725 00:35:30,040 --> 00:35:32,400 Speaker 2: So I think it was you know, if it was 726 00:35:32,440 --> 00:35:33,520 Speaker 2: something you wanted to do. 727 00:35:33,840 --> 00:35:35,560 Speaker 3: Oh yeah, you were doing it anyway, and you were 728 00:35:35,600 --> 00:35:38,480 Speaker 3: like much, I'm going to invest at least whatever hours 729 00:35:38,480 --> 00:35:40,520 Speaker 3: of checking and then see if it pays off and 730 00:35:40,520 --> 00:35:41,520 Speaker 3: you roll the dice in it. 731 00:35:41,600 --> 00:35:43,719 Speaker 2: And it wasn't that many hours, like because you know, 732 00:35:43,800 --> 00:35:46,960 Speaker 2: I mean, like there's only a week between knowing somebody's 733 00:35:47,000 --> 00:35:48,480 Speaker 2: going to the next round of the playoffs and then, 734 00:35:48,760 --> 00:35:50,880 Speaker 2: so you know, you couldn't spend that much time on it. 735 00:35:50,960 --> 00:35:53,919 Speaker 2: But in terms of spending. 736 00:35:53,560 --> 00:35:54,919 Speaker 1: An hour on it, it was a good hour. 737 00:35:55,320 --> 00:35:58,360 Speaker 3: Yes, probably probably a decent hourly rate. Actually, yes, a 738 00:35:58,440 --> 00:36:01,279 Speaker 3: decent hourly rate. I don't want to call that girl moth. 739 00:36:01,320 --> 00:36:03,719 Speaker 2: But it's not quite as much as if I were 740 00:36:03,800 --> 00:36:07,960 Speaker 2: up on stage giving a speech. But for a regular 741 00:36:08,040 --> 00:36:10,520 Speaker 2: hour of work, yes, yes, definitely worth it. 742 00:36:10,960 --> 00:36:11,279 Speaker 1: All right. 743 00:36:11,320 --> 00:36:15,719 Speaker 2: Well, moving to the question part of this, So this 744 00:36:15,880 --> 00:36:20,080 Speaker 2: question is that Laura tracks time but not spending. Sarah 745 00:36:20,120 --> 00:36:23,239 Speaker 2: trecks spending, but usually not time. She has done it 746 00:36:23,280 --> 00:36:24,360 Speaker 2: on occasion. 747 00:36:25,000 --> 00:36:29,560 Speaker 3: Discuss it's very helpful for us to track spending because, 748 00:36:29,680 --> 00:36:32,399 Speaker 3: as I said, we sort of need that conscious layer, 749 00:36:32,680 --> 00:36:35,799 Speaker 3: like I like particularly I mean on certain categories. I'm 750 00:36:35,800 --> 00:36:37,279 Speaker 3: not sure it matters as much. It just makes me 751 00:36:37,320 --> 00:36:40,680 Speaker 3: feel more comfortable, like knowing that like the pieces do 752 00:36:40,960 --> 00:36:43,680 Speaker 3: fit within our cash flow. But then in other areas 753 00:36:43,719 --> 00:36:47,600 Speaker 3: it actually does influence behavior, specifically areas like my allowance 754 00:36:47,680 --> 00:36:49,400 Speaker 3: or even like the kid's clothing, Like we have a 755 00:36:49,400 --> 00:36:50,719 Speaker 3: budget for that, and if we're at the end of 756 00:36:50,760 --> 00:36:52,560 Speaker 3: that the kids are asking for stuff, I'm like, no, 757 00:36:52,800 --> 00:36:57,280 Speaker 3: Like I can see we already spent whatever on your clothing, 758 00:36:57,320 --> 00:37:00,360 Speaker 3: and that's I don't want to go beyond XYZ. So 759 00:37:01,080 --> 00:37:03,560 Speaker 3: for us, it's just really helpful. I don't have a 760 00:37:03,600 --> 00:37:05,279 Speaker 3: reason I don't track time other than I find it 761 00:37:05,320 --> 00:37:07,359 Speaker 3: really hard. So in an ideal world, I think it'd 762 00:37:07,360 --> 00:37:09,240 Speaker 3: be great to track both. I just like can't. 763 00:37:09,480 --> 00:37:12,400 Speaker 2: Yeah, yeah, well, I just find time sort of interesting 764 00:37:12,400 --> 00:37:16,520 Speaker 2: because you're always working with the same amount every week, 765 00:37:16,760 --> 00:37:20,360 Speaker 2: and so it's like you keep getting that opportunity to 766 00:37:21,440 --> 00:37:26,319 Speaker 2: play around with the same pieces. I mean, income is 767 00:37:26,520 --> 00:37:30,120 Speaker 2: more variable, I guess for us, so it doesn't have 768 00:37:30,160 --> 00:37:32,719 Speaker 2: that same satisfying like these are the same pieces I 769 00:37:32,760 --> 00:37:36,520 Speaker 2: have to play around with now. Because we are frugal people, 770 00:37:36,640 --> 00:37:42,200 Speaker 2: we tend to build our sort of regular expenses on 771 00:37:43,360 --> 00:37:46,520 Speaker 2: what we know would come in, right, so not the 772 00:37:46,600 --> 00:37:50,040 Speaker 2: variable parts of anything, and then base it on that, 773 00:37:50,120 --> 00:37:52,160 Speaker 2: and so then there tends to be enough space that 774 00:37:52,200 --> 00:37:55,520 Speaker 2: I'm sort of not as worried about the smaller purchases, 775 00:37:55,560 --> 00:38:00,040 Speaker 2: which again, remember we just don't go spend money. 776 00:38:00,360 --> 00:38:01,120 Speaker 1: Really that much. 777 00:38:01,480 --> 00:38:04,160 Speaker 2: I don't know, my life is not frugal versus like 778 00:38:04,360 --> 00:38:07,160 Speaker 2: I'm sure what I mean. You know, we have full 779 00:38:07,200 --> 00:38:12,440 Speaker 2: time childcare, kids are in a ton of activities, but 780 00:38:12,560 --> 00:38:18,200 Speaker 2: in terms of sort of smaller expenses, I guess that 781 00:38:18,320 --> 00:38:20,560 Speaker 2: just doesn't seem to be where the money goes out, 782 00:38:20,640 --> 00:38:22,360 Speaker 2: and so I haven't bothered tracking it. 783 00:38:22,920 --> 00:38:24,040 Speaker 3: Yeah, No, that makes sense. 784 00:38:24,800 --> 00:38:28,759 Speaker 2: Yeah, all right, Well, Leff of the week, I guess 785 00:38:28,760 --> 00:38:30,239 Speaker 2: we've been talking about a lot of different Love of 786 00:38:30,239 --> 00:38:33,680 Speaker 2: the weeks. I'm going to say coupon codes, which it's 787 00:38:33,760 --> 00:38:36,680 Speaker 2: less of a thing now than during the glory days 788 00:38:36,760 --> 00:38:39,600 Speaker 2: of internet shopping, you know, the early times of it, 789 00:38:39,640 --> 00:38:41,960 Speaker 2: where you would hunt around and find a coupon code. 790 00:38:42,800 --> 00:38:45,840 Speaker 2: But if I have actually gotten to the checkout spot 791 00:38:46,160 --> 00:38:49,520 Speaker 2: of a retailer, I have not used frequently. It is 792 00:38:49,560 --> 00:38:52,520 Speaker 2: generally at least worth hunting, because sometimes there's at least 793 00:38:52,560 --> 00:38:56,160 Speaker 2: a ten or fifteen percent code out there somewhere, and 794 00:38:56,200 --> 00:38:58,040 Speaker 2: you may as well use it if you were going 795 00:38:58,080 --> 00:39:01,000 Speaker 2: to pay full price getting the ten they're fifteen percent off. 796 00:39:01,360 --> 00:39:03,560 Speaker 2: We also buy a lot of stuff as Shutterfly, and 797 00:39:03,600 --> 00:39:06,400 Speaker 2: it's definitely worth looking there. They always have some like 798 00:39:06,440 --> 00:39:08,120 Speaker 2: forty to fifty percent coupon code. 799 00:39:08,160 --> 00:39:08,439 Speaker 1: I see. 800 00:39:08,520 --> 00:39:11,480 Speaker 2: Their prices must not be like what their actual prices are. 801 00:39:11,480 --> 00:39:13,359 Speaker 2: They're like, let's see if anyone ever pays this. 802 00:39:14,800 --> 00:39:17,760 Speaker 3: The best Shutterfly coupon is the one that's unlimited book pages, 803 00:39:17,800 --> 00:39:20,320 Speaker 3: because often that's actually like eighty percent off. It's amazing. 804 00:39:20,360 --> 00:39:22,239 Speaker 1: Yeah, yeah, if you're doing like one hundred page book, 805 00:39:22,280 --> 00:39:24,120 Speaker 1: that's a yeah. I don't know. If you didn't put 806 00:39:24,160 --> 00:39:24,560 Speaker 1: that in, you. 807 00:39:24,560 --> 00:39:28,640 Speaker 2: Would really be We did do like three books once 808 00:39:28,960 --> 00:39:31,120 Speaker 2: for what it had told us one book would cost. 809 00:39:32,840 --> 00:39:35,560 Speaker 3: I will also sign up for the free not free 810 00:39:35,600 --> 00:39:37,239 Speaker 3: like you know when they say, oh, twenty percent off 811 00:39:37,239 --> 00:39:39,040 Speaker 3: if you sign up for texts. So I'll sign up 812 00:39:39,040 --> 00:39:41,080 Speaker 3: for text, get the code, and then immediately right stop 813 00:39:41,200 --> 00:39:43,760 Speaker 3: so the texts go away. But like, hey, I'm playing 814 00:39:43,760 --> 00:39:46,120 Speaker 3: the game, playing the game, all right, what do you have, Sarah, 815 00:39:46,440 --> 00:39:48,920 Speaker 3: Lululemon socks. I'm not sure how for who they are, 816 00:39:48,960 --> 00:39:51,280 Speaker 3: but they are just they just last and last and last, 817 00:39:51,520 --> 00:39:54,239 Speaker 3: and they're my favorite socks. I wear them all the time. 818 00:39:54,239 --> 00:39:56,640 Speaker 3: I think they're the like actually I don't know which 819 00:39:56,640 --> 00:39:58,560 Speaker 3: one speed something socks, but they're great. 820 00:39:58,960 --> 00:39:59,920 Speaker 1: Yeah, excellent. 821 00:40:00,480 --> 00:40:02,440 Speaker 2: All right, Well, this has been best of both worlds. 822 00:40:02,480 --> 00:40:04,680 Speaker 2: We've been talking all the money in the world. In 823 00:40:04,719 --> 00:40:06,839 Speaker 2: case anyone who wants to check out that book that 824 00:40:07,239 --> 00:40:09,719 Speaker 2: I wrote in twenty twelve, you might be able to 825 00:40:09,760 --> 00:40:12,879 Speaker 2: find it on Amazon at least, but anyway, we will 826 00:40:12,880 --> 00:40:14,759 Speaker 2: be back next week with more on making work and 827 00:40:14,800 --> 00:40:15,680 Speaker 2: life fit together. 828 00:40:17,760 --> 00:40:20,520 Speaker 3: Thanks for listening. You can find me Sarah at the 829 00:40:20,560 --> 00:40:24,960 Speaker 3: shoebox dot com or at the Underscore Shoebox on Instagram, 830 00:40:25,360 --> 00:40:25,759 Speaker 3: and you. 831 00:40:25,640 --> 00:40:29,920 Speaker 2: Can find me Laura at Laura vandercam dot com. This 832 00:40:29,960 --> 00:40:33,239 Speaker 2: has been the best of both Worlds podcasts. Please join 833 00:40:33,320 --> 00:40:36,080 Speaker 2: us next time for more on making work and life 834 00:40:36,160 --> 00:40:36,840 Speaker 2: work together.