Speaker 1: Episode four hundred, sixth anniversary special. Welcome to the Frugal
Speaker 1: Friends podcast, where you'll learn to save money, embrace simplicity,
Speaker 1: and live at your life. Here your hosts Jen and Jill.
Speaker 2: The husbands are back.
Speaker 1: Oh is it back in town? Oh we're gonna now,
Speaker 1: we're gonna get licensing.
Speaker 2: Yeah, time we wait four years to have you back.
Speaker 2: We're gonna get sued.
Speaker 1: First thing is a season ditiss.
Speaker 2: Welcome to the Frugal Friends podcast.
Speaker 1: My name is Jen, my.
Speaker 3: Name is Jill.
Speaker 1: Travis and Eric.
Speaker 2: And the husbands are back. As you can see, they've
Speaker 2: been preparing for this for four years. For episode four hundred, Baby,
Speaker 2: we made it.
Speaker 3: Four hundred means six years.
Speaker 2: It's a party. If you're hoping to get any financial
Speaker 2: advice in this episode, you will get a little, but
Speaker 2: mostly you're gonna get all the things you asked for
Speaker 2: in the friend letter. We did a poll. We said
Speaker 2: what do you want to hear on episode four hundred,
Speaker 2: and you delivered. You wanted to hear the husbands, that's
Speaker 2: the number one thing you wanted to hear. You wanted
Speaker 2: to hear the one star reviews. You wanted to hear
Speaker 2: the Q and a's the behind the scenes, and so.
Speaker 4: We're giving it all to you.
Speaker 3: No one voted for the something else. Hardly anybody says
Speaker 3: something else.
Speaker 2: So I'm glad you loved the suggestions we gave you
Speaker 2: and didn't suggest anything with something else.
Speaker 3: Yeah.
Speaker 2: So, but before we get into the fun, this episode
Speaker 2: is brought to you by shilling for money. What we've
Speaker 2: been doing since episode one, four hundred episodes. Literally here
Speaker 2: just shilling for the money. And you know what, when
Speaker 2: you have as much money as we do because of
Speaker 2: four hundred podcast episodes, then you're gonna have it in
Speaker 2: a four oh one K. And maybe if you ever
Speaker 2: leave your job where you're shilling for money, you're gonna
Speaker 2: want to roll that over into an IRA. And that's
Speaker 2: where Capitalize comes in. Frugal friendspodcast dot com slash capitalize.
Speaker 2: It's a free service that will find your four oh
Speaker 2: one K and help you roll it into an IRA
Speaker 2: of your choice so you can have control over your money.
Speaker 2: Because when you're shilling for money, like the Frugal Friends,
Speaker 2: you want to know where all of yours is. Frugal
Speaker 2: friendspodcast dot com slash capitalize.
Speaker 3: Well done, gen thank you.
Speaker 1: Oh quick question on that for the listeners. What is shilling?
Speaker 2: Shilling?
Speaker 1: Is this a new bill of the week?
Speaker 2: Shilling? I don't have an exact definition for it, but
Speaker 2: it is something we say behind the scenes a lot.
Speaker 3: Usually we're shilling for Minty. They're the ones who want
Speaker 3: the most work from us.
Speaker 2: Yeah, and they want the most for it.
Speaker 3: But here's the retraction I have on your fake, fake
Speaker 3: real ad is we've not been shilling since day one.
Speaker 3: We should have been, yeah, but we didn't start trying
Speaker 3: to shill until like two years ago, maybe a year
Speaker 3: and a half ago.
Speaker 1: Yeah, I never saw you.
Speaker 2: Here's the definition. It's to talk about or describe someone
Speaker 2: or something in a favorable way because you're being paid
Speaker 2: to do it.
Speaker 1: Oh, the whole ad makes so much sense. And I'm
Speaker 1: going to purchase Capitalize you don't, I will purchase three.
Speaker 1: I'm going to buy it anyway. I'm going to do
Speaker 1: the premium version.
Speaker 2: Faith, thank you. All right. So in this episode, we
Speaker 2: are going to do a variety of things. We are
Speaker 2: first and foremost, we're answering your questions. We put out
Speaker 2: an Instagram request if you follow Frugal Friends podcast or
Speaker 2: Modern Frugality, then if not, you should do that because
Speaker 2: we do stuff like this asking for your questions so
Speaker 2: we can read them on an episode. So we're going
Speaker 2: to do that, and then Goldie has found some one
Speaker 2: star reviews for us to read that are some of
Speaker 2: the highlights of our time here, and and we'll also
Speaker 2: be reading those in between some questions. But the husbands
Speaker 2: are going to be doing the interviewing.
Speaker 3: They're gonna be asking the questions.
Speaker 4: Friend.
Speaker 3: For why we're saying we're bringing the husbands back. We
Speaker 3: did do an interview with you all years ago. That
Speaker 3: is up on YouTube. We do have a YouTube channel.
Speaker 3: Feel free to check that out. But we've done other
Speaker 3: anniversary specials. If you like this one, you can go
Speaker 3: back to episode three oh three, which was our fifth
Speaker 3: anniversary special. Episode two oh seven is what we learned
Speaker 3: in four years of Frugal Friends. So here we are
Speaker 3: six years later. We'll see if we'll be here for
Speaker 3: your seven Who knows, it's always up in the air.
Speaker 2: We'll see. We'll see how this episode goes.
Speaker 3: But let's get to the queues, all right.
Speaker 2: Travis, you are up first.
Speaker 4: All right, So looks like my question for you guys
Speaker 4: is do you guys have a lot in common Jen
Speaker 4: and Joe, Mmm, what do you think?
Speaker 2: I so, I think that we have a lot in common,
Speaker 2: but there's also a lot that we don't have in common.
Speaker 2: We're not identical for sure.
Speaker 3: Yeah, I was going to say almost nothing. But that's
Speaker 3: a little unfair. Because we both are females, and we
Speaker 3: both live in Saint Petersburg and we both are growing together.
Speaker 1: Then we're didn't always live in the same place.
Speaker 2: If that's together together, Yeah, we're complimentary opposites.
Speaker 3: I think. Yeah, so that we probably couldn't have done
Speaker 3: this thing if we were the same.
Speaker 2: It wouldn't be as good because we'd have the same
Speaker 2: things to say. I think it's so good because we
Speaker 2: don't have a ton in common.
Speaker 3: Yeah, I think we both we work a little differently.
Speaker 3: We do have somewhat different perspectives, but complimentary perspectives. But
Speaker 3: to give an example, this did just happen recently. We
Speaker 3: are in the process of submitting our book to our editor. Again,
Speaker 3: buy the book from us, please. We're not that good
Speaker 3: at more often and right now it's constricting.
Speaker 1: I got to eat out more.
Speaker 3: That's Eric, that's my husband. You've heard me talk about
Speaker 3: how much he loves even make me.
Speaker 5: So.
Speaker 3: Anyways, so the book, we said we were going to
Speaker 3: submit the final version on April fifteenth, Tax Day, and
Speaker 3: in my mind, I'm thinking, let's get it done. Let's
Speaker 3: get it off at like ten in the morning and
Speaker 3: have the rest of the day. But I know Jen
Speaker 3: and I know that that's probably not going to be realistic.
Speaker 3: So I'm thinking, EOD five pm will get the book in.
Speaker 3: And I bring this up to her. I'm like, so
Speaker 3: what are you thinking about time timing on the fifteenth?
Speaker 3: She's like, I'm thinking eleven fifty nine pm. That's just
Speaker 3: before midnight. And while you did submit it a little
Speaker 3: bit earlier than that, Like, that's that's a little bit
Speaker 3: of how we work differently.
Speaker 2: I am not a huge procrastinator. We we record a
Speaker 2: month in advance. Every episode is recorded a month in advance.
Speaker 2: We like to have a lot of leeway between record
Speaker 2: and publish. So it's not that I'm a procrastinator. It's
Speaker 2: for this specific thing, I wanted to have as much
Speaker 2: time with it as possible. Like every minute it's not
Speaker 2: with me is a minute wasted. Yeah, but I did
Speaker 2: get it in at nine pm.
Speaker 1: Well that's early, Yes, that's early, Yes, good work. Yeah,
Speaker 1: all right, Eric, my question, how do you convert a
Speaker 1: non frugal spouse from a family who throws money at
Speaker 1: all problems, at problems? I add it all it's just
Speaker 1: problems at problems, just some problems, but most problems, most problems.
Speaker 3: Jill, Yeah, I think Eric should answer question what do.
Speaker 1: You think and we don't throw money at anything?
Speaker 3: Yeah, that's true.
Speaker 2: Stop throwing money.
Speaker 1: I want to throw some money.
Speaker 3: Okay. So there's multiple questions in this or I think,
Speaker 3: multiple ways to look at, but I'm going to go.
Speaker 3: I'm going to go for the first part if you
Speaker 3: have something to say about the second part that how
Speaker 3: do you convert a non frugal spouse? Is what I'm
Speaker 3: focusing in on. I'm a pretty big proponent and becoming
Speaker 3: more and more so of really honoring the people around
Speaker 3: you and letting them be who they are, but recognizing
Speaker 3: that with a spouse, you do impact one another and
Speaker 3: you in many ways share so much. So that's where
Speaker 3: I think the tricky dance comes in. But I think
Speaker 3: wherever we can place value on one another's values can
Speaker 3: be really helpful. So being able to get under the
Speaker 3: root of the money, because it's usually not the money.
Speaker 3: It's usually not about what money's being spent on, it's
Speaker 3: what it means underneath it and whether or not you're
Speaker 3: actually valuing that. So I think having a conversation before
Speaker 3: the money can be really helpful of what do you
Speaker 3: really value spending on or what do you really value saving? Four?
Speaker 3: What do you want to see in the next year,
Speaker 3: in the next five years, And then weave the money
Speaker 3: solutions into it with some real math. But I think
Speaker 3: we got to get more heart to heart first.
Speaker 2: Agreed. It's not about converting someone as much it is
Speaker 2: as it is getting on the same page as values,
Speaker 2: not monetary values, but the things money can't buy. So,
Speaker 2: how you want to show up for your family, in
Speaker 2: your friendships, in your fulfilling work, whatever that looks like,
Speaker 2: and in your faith? How does that look for you?
Speaker 2: How do you want to show up in all those categories?
Speaker 2: And when you figure that out and you can get
Speaker 2: on the same page, or at least know where your
Speaker 2: partner is what page they're on, then it becomes a
Speaker 2: lot easier to get creative with how you solve problems.
Speaker 2: Then you both are motivated to solve problems in a
Speaker 2: different way so that you can get more of what
Speaker 2: each of you want individually.
Speaker 3: Yeah, I think that just using money to solve a
Speaker 3: problem is something we all face. Sometimes convenience is just easier.
Speaker 3: But if you're noticing this is all we'rever doing, I
Speaker 3: think it's worth slowing down having those conversations, figuring out
Speaker 3: how you can solve the problems, create, natively, collaborate and
Speaker 3: have fun with it. Like I think that's the thing
Speaker 3: that has kept us doing this for six years is
Speaker 3: it's fun. And I don't think that we're going to
Speaker 3: get very far with our partners and our families and
Speaker 3: really getting a hold on money if we can't also
Speaker 3: find ways to make it fun. Not saying it can't
Speaker 3: be difficult. There's not hard conversations that happen, but let's
Speaker 3: weave in some fun to it, otherwise we're going to
Speaker 3: be completely averse to it.
Speaker 1: Not saying that you'll go out to eat that often, but.
Speaker 3: Can you tell that is the spouse who wants to
Speaker 3: spend so much money on going out to.
Speaker 1: Eat realistic amount of money.
Speaker 2: Here's a fun behind the scenes. The other day we
Speaker 2: were talking and Jill when she started, when she became
Speaker 2: full time and frugal friends and like, I was full
Speaker 2: time for maybe like a year and a half at
Speaker 2: this point, and then Jill came on and she took
Speaker 2: over the money part. Because I might be the like,
Speaker 2: the financial like writer, but the business finances were totally like.
Speaker 2: I did not care about them. I did not look
Speaker 2: at them. I knew we were not spending a ton
Speaker 2: of money, so I just let it be like we
Speaker 2: were profitable, and I just let it be so when
Speaker 2: I was handling the money, we could afford things like
Speaker 2: sushi and trips to Mexico. And then Jill takes over
Speaker 2: and suddenly we can't afford those things, and it was
Speaker 2: so upsetting. Eric. Eric commiserated with me.
Speaker 1: Yeah, she controls both of our lives.
Speaker 3: Yeah, my work wife and my husband husband both can
Speaker 3: commiserate over my miserly ways.
Speaker 1: It's good, It is good.
Speaker 2: All right, let's get in to some one star reviews.
Speaker 3: We can.
Speaker 2: Who wants to read them?
Speaker 3: I really want Eric and Travis to read them.
Speaker 1: Okay, yeah, I'm excited, all right, Okay, Oh, oh I'm
Speaker 1: getting it. Oh that's the title. Okay, yeah, you should
Speaker 1: read that one, all right, you can read these alight?
Speaker 1: So the title, yep, that's the title.
Speaker 6: It's so good.
Speaker 4: All right, So the first one star review title is nonsense.
Speaker 4: Listen to a forty minute podcast, and I'm not sure
Speaker 4: anything was actually said.
Speaker 2: That's the reviewer and the reviewer.
Speaker 4: Do I say that?
Speaker 3: Oh yeah, oh yeah, oh yeah, we call them out.
Speaker 2: Yeah, the tra address, we'd probably read it.
Speaker 4: The twenty xx Okay, wow, we tried.
Speaker 1: You deserve that one. Thank you for the free content
Speaker 1: that they will say.
Speaker 3: For what it's worth. The twenty xx thanks for listening
Speaker 3: all the way through forty minutes. Thanks for listening for
Speaker 3: you did earn the right to leave her review?
Speaker 1: Yeah, yeah, true, that's true.
Speaker 4: Yeah.
Speaker 3: I really wish that reviewers had to listen to at
Speaker 3: least three full episodes before you could review. But thank
Speaker 3: you twenty x X for your forty minute download.
Speaker 2: That's more than most.
Speaker 1: Yeah, he gave it a shot.
Speaker 3: Yeah all right, Eric, what's the next one?
Speaker 1: I almost wish I wasn't reading this because it's so infuriated.
Speaker 3: Oh you're gonna have to scroll over.
Speaker 1: Oh true, too much. Valley girl talk. That's a that's
Speaker 1: been since day one of Frugal Friends.
Speaker 2: Yeah, we had a couple of those, and we just
Speaker 2: picked the best one.
Speaker 1: Yeah, so my take is every every girl clearly just
Speaker 1: sounds like a valley girl. Two guys is kind of
Speaker 1: how that one goes. But yeah, here's the review. I
Speaker 1: want to like this, listen to a good number, but
Speaker 1: all the valley girl isms makes me cringe. Make me
Speaker 1: cringe too many. As an up talk, they make it
Speaker 1: seem like the hosts don't know what they're talking about.
Speaker 1: Mango the Goat may.
Speaker 2: Again, thanks for listening to a good number. We appreciate that.
Speaker 2: And I'm sorry we speak like females.
Speaker 1: I mean, yeah, it's it's honestly gross.
Speaker 2: I don't know the past week. You might tell in
Speaker 2: the next like six to eight episodes. We're recording like
Speaker 2: seven episodes this week and I'm just getting over cold,
Speaker 2: so I sound like a smoker, Like course smoker.
Speaker 1: I don't listen because they just sound like smokers.
Speaker 2: So you might have a different take in the next
Speaker 2: couple episodes.
Speaker 1: Yep, leave your own review. Next one, you got this Travis.
Speaker 4: All right, like a PSL. PSL. I don't know what
Speaker 4: that is.
Speaker 3: This is not pos spice latte.
Speaker 1: Oh yeah, oh wow, I thought I thought people they do,
Speaker 1: but it.
Speaker 4: So here's the review. Uh lost my interest felt more
Speaker 4: and more like the same thing over and over, more
Speaker 4: like p s L. Not very minimalist if you ask me, Wait.
Speaker 1: What because of how much you talk, you're not minimalists.
Speaker 4: Uh, beautiful minimal millennial.
Speaker 1: Nice self aware that they call themselves beautiful. That's cool.
Speaker 3: Yeah.
Speaker 2: I love pumpkin spice lattes. And you know what, it's
Speaker 2: a complex syrup. And I'm a complex.
Speaker 3: Woman, which is funny because back to that question, are
Speaker 3: we similar? I do not like pumpkin spice lattes. I
Speaker 3: don't like Target, I don't like Starbucks. There are some
Speaker 3: very basic things I have beings. But that's okay. This
Speaker 3: person just did like it. Yeah, they don't. They don't
Speaker 3: think we're very minimal Actually.
Speaker 1: They sound more like Jill because they don't. You know,
Speaker 1: they get tired of this Jill.
Speaker 3: Chilling as a beautiful minimal millennial on the side, just
Speaker 3: trying to tear down what we're building over here.
Speaker 2: For a while, you had not left a review for
Speaker 2: the show. It took you years.
Speaker 3: I didn't think I could. I didn't think I was
Speaker 3: allowed because I owned the business.
Speaker 2: It was the first five star review for our show,
Speaker 2: and that first time it was review it wasn't And
Speaker 2: I took the phones of all of my friends and
Speaker 2: this was obviously when you could still take your friend's
Speaker 2: phones and it's fine. And I left a review for
Speaker 2: our podcast on like twenty phones in the first year.
Speaker 2: So that's if you're looking for podcasting tips, stay tuned.
Speaker 2: That's how you do it.
Speaker 1: I don't think I'm over the not very minimalist part yet.
Speaker 3: What does that mean, Like we're not very this year?
Speaker 3: They don't think we are very minimalist.
Speaker 1: Okay, advice, it's not because they got bored of what
Speaker 1: you were talking about. That was like a separate thought.
Speaker 1: But there it's not a new sentence.
Speaker 2: Just for the record, all right, back to some questions, Travis.
Speaker 4: Do you have a favorite episode? I guess that's either
Speaker 4: one of you.
Speaker 3: Do you Jen Oh?
Speaker 2: I do Ron Gonan The Circular Economy I love. I
Speaker 2: loved talking to him about how to create and it
Speaker 2: was on a macro level, how to create a more
Speaker 2: circular economy. But now on a micro level I think
Speaker 2: about that more often. And then our episode with gardenery, Yeah,
Speaker 2: that was an recent one, changed your life. I mean
Speaker 2: I have not started gardening yet, but it.
Speaker 1: Really.
Speaker 2: It was such like an eye opening episode about we
Speaker 2: invest in the things that we value, and the things
Speaker 2: we don't invest in is not because we can't do
Speaker 2: them or all the excuses that we may make, it's
Speaker 2: because we don't value them enough to do them.
Speaker 3: Travis, did Jen come home on a day what two
Speaker 3: weeks ago and tell you she wanted a garden? Has
Speaker 3: she talked about this?
Speaker 1: Yes?
Speaker 3: She did, Yes, And what are your thoughts?
Speaker 4: Well, I mean growing up on a farm, like I'm
Speaker 4: all down for like growing my own food and stuff
Speaker 4: like that. But I think the way she explained why
Speaker 4: it affected her so much was like more beautiful because
Speaker 4: of how how you look at it, at the gardening
Speaker 4: process and all that stuff, which is something I really
Speaker 4: never looked at. So it's it was definitely a different
Speaker 4: point of view, and I'm all about it. Though, once
Speaker 4: we're done with the renovations and don't do it now,
Speaker 4: we're not.
Speaker 3: That's cool. Speaking of how to get a spouse on board,
Speaker 3: that is a big one. I think books, podcasts, resources
Speaker 3: that you can share together and have conversations about the
Speaker 3: thing can really help. When you can bring some sort
Speaker 3: of third party, third perspective in that you both can
Speaker 3: engage in and say what you do and don't like
Speaker 3: about that, and then come to your shared reasoning for
Speaker 3: something you're making me remember that. That's another tip.
Speaker 2: Yeah, and Jill, oh yeah, so you got some good
Speaker 2: ones down here.
Speaker 3: Yeah, I know, it said for one, but a few
Speaker 3: came to mind. So our conversation with Laura old Daney
Speaker 3: and that was actually at our summit that then we
Speaker 3: turned into a podcast episode. But she talked about all
Speaker 3: the different forms of wealth and how social capital and
Speaker 3: what are the different kinds of capital. I'm blanking now,
Speaker 3: but lots of different types of ways that we can
Speaker 3: build wealth, but beyond monetary wealth.
Speaker 2: Like knowledge capital, like sharing knowledge or physical objects, you know,
Speaker 2: sharing sources, sugar and you know, stuff like that. It's
Speaker 2: all of the things because money is just a tool
Speaker 2: to get the things that you really want, right, like
Speaker 2: both relational and physical.
Speaker 3: Uh.
Speaker 2: And so she really she taught us about the permaculture
Speaker 2: kind of way of life or like ideas about permaculture.
Speaker 2: So that is really great. Look look up our episode
Speaker 2: with Laurel Dany do some research on permaculture. Yeah, fantastic.
Speaker 2: That's another one of my favorites as.
Speaker 3: Well, yeah, I also really liked our initial episode with
Speaker 3: about Dave Ramsey the Baby Steps. We just re aired it,
Speaker 3: but when I went back and listened, I really felt
Speaker 3: like we queued it up the first time the best.
Speaker 3: So our original episode about the Baby Steps. So who
Speaker 3: knows how far back that one is.
Speaker 2: I think twenty one or two.
Speaker 3: Yeah, we should probably link to these.
Speaker 2: I think it's shown January twenty twenty two.
Speaker 3: I feel like that was our first, one of our
Speaker 3: first times really kind of stepping out in our own
Speaker 3: thoughts that we've now built along this journey, that kind
Speaker 3: of shoeha re perspective that you've recently introduced Jen of,
Speaker 3: you know, kind of the student becoming the master, that
Speaker 3: there are certain resources that can be really helpful when
Speaker 3: you're just getting out and follow it exactly, but eventually
Speaker 3: you can make it your own. And I think this
Speaker 3: was a little bit of our process of making what
Speaker 3: we've learned our own while not dragging anybody through the mud,
Speaker 3: but also making our ideas and thoughts clear and really
Speaker 3: explaining who we are and what you're gonna get from us.
Speaker 3: So I felt like that one was a good one.
Speaker 3: We received a lot of really good feedback on that one.
Speaker 2: Which just Nices did a lot of emails. I remember
Speaker 2: my inbox the original episode after it aired, I had
Speaker 2: like immediately ten emails in my inbox, and I was
Speaker 2: so worried what they were going to say. And I
Speaker 2: got one of my favorite emails I've ever received, and
Speaker 2: it was so unhinged.
Speaker 1: And sounded like a valley girl.
Speaker 2: It sounded like somebody in some valley. But all the
Speaker 2: rest were so positive. But I still actually reread that
Speaker 2: unhinged email just to remember when I feel down, I
Speaker 2: read that email and I'm like, you know what, at
Speaker 2: least I'm not sending strangers stuff like this.
Speaker 3: Yeah, And then my last one I'll pick was just
Speaker 3: happened earlier this year in January, episode three sixty eight
Speaker 3: was our interview with Paige Pritchard about deinfluencing yourself from
Speaker 3: social media. And it wasn't this extreme take of get
Speaker 3: off of social media. It was this very radical middle
Speaker 3: approach to living in the world we live in today,
Speaker 3: but with eyes wide open. And I really enjoyed that
Speaker 3: conversation with her as well.
Speaker 2: And now she's coming to Mexico with us in June.
Speaker 3: That's right from that episode we should clarify Jen and
Speaker 3: I are going to Mexico for a couple of days.
Speaker 3: It is a work trip with them using air quotes a.
Speaker 2: Couple other influencers you might recognize.
Speaker 3: But it's partly celebration for having finished the book, and
Speaker 3: it's partly an opportunity to get some work done. But
Speaker 3: we had points through the business that was able to
Speaker 3: cover all of it. So we're still doing our frugal thing.
Speaker 1: Guys under the microsph celeb.
Speaker 2: Oll, I'm not.
Speaker 3: I don't feel like I need to defend myself, but
Speaker 3: at the same time, I feel like it's worth knowing
Speaker 3: some of the things. If we're talking behind the scenes,
Speaker 3: what we're doing, how we celebrate even as a business is.
Speaker 1: All right, what advice would you give to other entrepreneurs
Speaker 1: finding their way? I have some advice to oh, well,
Speaker 1: make more money.
Speaker 2: Okay, there you go. So I thought about this question,
Speaker 2: and I think the most important thing that we have
Speaker 2: done in our business is filling a gap. Personal finance.
Speaker 2: On one hand, it's super saturated. There's so many people
Speaker 2: in the personal finance space. On the other hand, there
Speaker 2: will never be enough people in personal finance until everybody
Speaker 2: is comfortable talking about money will never be enough personal
Speaker 2: finance influencers. And so where do we find that radical middle?
Speaker 2: Where do you find your radical middle is in filling
Speaker 2: a gap. So like only you can say what you
Speaker 2: have to say to whom you have to say it to,
Speaker 2: and how you say it or show it. So find
Speaker 2: what makes you unique, how you share information uniquely, and
Speaker 2: just don't do the same thing everybody else is doing
Speaker 2: just because it worked for them. I think I all
Speaker 2: of my regrets in business have been because I tried
Speaker 2: to copy what was working for somebody else. And the
Speaker 2: best things that I've ever done in my business have
Speaker 2: been when I am true fully to what makes me
Speaker 2: come alive. So really fill a gap, fill a need.
Speaker 2: Even if your niche is saturated, there is a place
Speaker 2: for you, but you have to be unique in that place.
Speaker 3: Yeah, I would say similar to what you are describing jen,
Speaker 3: filling in a gap. I think definitely niching down as
Speaker 3: much as possible. I think we can feel as though
Speaker 3: I'm getting too granular. I need to offer all these
Speaker 3: things to all these people. But I think really figuring
Speaker 3: out who is your one person, your very target demographic,
Speaker 3: the person that is going to really excite you to
Speaker 3: support and help them with their specific problems. Then do that.
Speaker 3: There will be enough people. There are millions and millions
Speaker 3: and millions of people, and no matter how small you
Speaker 3: niche down, just remember there's tons of people into model trains.
Speaker 2: Yeah, there's tons of lots of people.
Speaker 3: There are people who go to conventions where they try
Speaker 3: out different types of laughter. There are people who go
Speaker 3: to conventions to build puzzles as teams. Like, there's just
Speaker 3: something all there's all sorts of stuff. There's so much
Speaker 3: space for you.
Speaker 1: There's a lot of people in the world. You hear
Speaker 1: a number like whatever it is, seven to eight billion,
Speaker 1: and it just doesn't land. Yeah, it's a lot of
Speaker 1: people that.
Speaker 3: Like things we don't know math. I'd also say start
Speaker 3: start gritty, meaning you don't have to put as much
Speaker 3: money into starting up your businesses. Everybody tells you that
Speaker 3: you need to, especially one that is mostly software or online,
Speaker 3: Try and do the thing with as little as possible,
Speaker 3: and then discover what it is that you need. Don't
Speaker 3: buy all of these things. I think I see a
Speaker 3: lot of people procrest to spending on their businesses thinking
Speaker 3: that once I have all these things, then I'm going
Speaker 3: to feel confident enough I'm not going to have imposter syndrome,
Speaker 3: and then I'm going to be ready. And I think
Speaker 3: it works the ups.
Speaker 2: Yeah, you just have to ten thousand dollars in courses
Speaker 2: to figure out how to do a business.
Speaker 3: Just start because the first thing you do is never
Speaker 3: going to actually be the thing you meked up with.
Speaker 3: We've rebranded, we've taken new pictures, We've.
Speaker 2: I was a writer. I mean, I mean I've returned
Speaker 2: to that, but I mean I was a writer blogger first.
Speaker 2: So yeah, what you do first, Just assume it's not
Speaker 2: going to be your endgame.
Speaker 3: Yeah. Also, just find a gen. You know, easy, peasy, go,
Speaker 3: Just find yourself a gen. Be sure, absolutely sure that
Speaker 3: you want to leave your day job, Jill. Still make
Speaker 3: money before you think you can. That was a big
Speaker 3: mistake I think we made was waiting so long to
Speaker 3: try and be profitable. We could have been profitable so
Speaker 3: much sooner, and we discounted ourselves in that. And I
Speaker 3: think we're still hurting as as a result of not
Speaker 3: not doing certain things sooner. So that's again, that's another
Speaker 3: I think that's where imposter syndrome breaks into the equation.
Speaker 3: Just start doing it, start charging for it, and refine
Speaker 3: as you go.
Speaker 1: Yeah, and provide value to anybody that you come in
Speaker 1: contact that is interested in your services.
Speaker 5: Don't.
Speaker 1: You don't have to do the service, but provide some
Speaker 1: kind of value to that person coming to you.
Speaker 2: Yes, all right, last question and then another round of
Speaker 2: one star reviews.
Speaker 4: All right, all right, what is the most memorable bill
Speaker 4: of the week for you guys?
Speaker 1: Okay?
Speaker 3: I have one go for it.
Speaker 2: Okay. So I got an email from a listener who
Speaker 2: and you know, we got We are backed up four
Speaker 2: to six months on bill of the weeks always, so
Speaker 2: if you don't hear yours, just know it's coming. We
Speaker 2: play one hundred percent of them, but it takes time.
Speaker 2: And so I got an email from a listener who
Speaker 2: asked if we could bump up her bill of the week.
Speaker 2: Her bill of the week was her dad, Bill, who
Speaker 2: was about to pass away, and she wanted him to
Speaker 2: hear it before he went. He wanted to, she wanted
Speaker 2: to play him the episode, and so we did bump
Speaker 2: that up. But as me, I lost my dad when
Speaker 2: I was sixteen, so for me, that was an honor
Speaker 2: to be considered important enough in her life in that moment,
Speaker 2: but also like truly memorable that she would honor her father.
Speaker 2: It like we could play a part in her honoring
Speaker 2: her father. So that was the most memorable bill for me.
Speaker 3: Yeah, yeah, good memory. That was super meaningful. There's there's
Speaker 3: a slew of them. One of the more recent ones
Speaker 3: was when Goldie called in her which was so amazing.
Speaker 3: We didn't realize it. So because we don't listen to
Speaker 3: the bills of the week ahead of time, we let
Speaker 3: the bills surprise us. We love a good bill.
Speaker 2: Delighted.
Speaker 3: Yes, and Goldie, our podcast manager, who's so much more
Speaker 3: than a podcast manager, called in and shared her bill,
Speaker 3: and that was amazing. I've loved it when people have
Speaker 3: had kids call in, because so many of you are
Speaker 3: out there listening in the car with your kids and
Speaker 3: they're wanting to hear the frugal friends and call in
Speaker 3: their bills, and yeah, those are all fun and then
Speaker 3: just the funny ones. You all have given us some
Speaker 3: really good ones, but those are the ones that are
Speaker 3: standing out at the moment. All right, let's get back
Speaker 3: to these one star reviews, because I there was a
Speaker 3: time and I do still have top three. I still
Speaker 3: hate them, but this is such a safe space and
Speaker 3: it is so good to laugh at them because here
Speaker 3: we are, six years later, we're reading one star review.
Speaker 2: We should we should have said this is a countdown
Speaker 2: of the top six. So this is like three, two one. Okay, okay, okay, yeah, sorry.
Speaker 3: Okay, here we go.
Speaker 1: All right, this is long.
Speaker 2: Yeah you got the long ones.
Speaker 1: I don't read a lot frivolous stupidity coming in at
Speaker 1: number three. That's not even number one. Started listening to
Speaker 1: a few podcasts trying to find one with content dot
Speaker 1: dot dot settled into the episode on the Kanmari Method
Speaker 1: and was floored at how vapid this five four star podcast.
Speaker 1: I'm sorry, it's not a five star podcast. Now we
Speaker 1: are a four star podcast through and through if a
Speaker 1: full twelve minutes into the podcast before they actually started
Speaker 1: talking about the book, only for one of them to
Speaker 1: confess she hadn't read it. That was Jill, wasn't it.
Speaker 1: Oh yeah it was Joe, Yeah it was Jill.
Speaker 3: I don't read.
Speaker 1: What the hey question mark exclamation point? Great research from experts.
Speaker 1: Along the way, there was a lot of dumb giggling
Speaker 1: and nothing narrate narrated narrated, narrated, near narrated, narrated with
Speaker 1: irritating valley girl accent and intonation. Fix this, frugal, friends,
Speaker 1: I had that fixed this part immediately, cold, cold, cold cold.
Speaker 1: C U l ed this from my library, immediately cold.
Speaker 1: This from my library.
Speaker 2: Is that like pooled and they yeah, they did.
Speaker 1: That's entype.
Speaker 3: Okay, it's not done yet better.
Speaker 1: My attention span is like real short. If you're trying
Speaker 1: to be frugal, value your time and don't waste it
Speaker 1: on poorly researched, irritatingly, irritatingly narrated, dumb, low bite rate
Speaker 1: meme podcast boom grow. Say this in person to our faces.
Speaker 1: I'm sure as well spoken as this. I note that
Speaker 1: many of the reviews the reviews say wait. I note
Speaker 1: that many of the reviews say this hilarious. Okay, that's
Speaker 1: why I couldn't read it. It's not a full sentence. Uh
Speaker 1: maybe if you gut her, if you like gutter humor, Okay,
Speaker 1: let me read that again, because this is a good line.
Speaker 1: I note that many of the reviews say this hilarious
Speaker 1: dot dot dot. Maybe dot dot dot if you like
Speaker 1: gutter humor, like you, guys, your minds are just in
Speaker 1: the gutter. Yeah, all that wine talk.
Speaker 3: She's dragging everybody. She's not just giving us the one
Speaker 3: this Yeah, this is before Goldie.
Speaker 1: Sorry, but absolutely nothing in here regarding the reason you
Speaker 1: actually started listening, because.
Speaker 3: And who wrote it? Who wrote it? Here we go
Speaker 3: call it.
Speaker 1: I'm saying she can be anybody, maybe anybody Kiwi forty
Speaker 1: two spelled how it says?
Speaker 2: Yeah, well, you know, we do have gutterr humor, and
Speaker 2: we try to keep it off of the podcast, but
Speaker 2: sometimes it does slip through. So Kiwi, you're not wrong.
Speaker 2: But how dare you say it's low bite rate?
Speaker 1: Because we we recorded forty eight kill hertz. Yeah this
Speaker 1: is with high end equipment.
Speaker 2: Yeah, high end equipment. This audio is flawless.
Speaker 3: She did call us experts, though, and that bad or.
Speaker 3: She thought that we were trying to portray ourselves as experts,
Speaker 3: and that's the expectation is off. It's so true, And
Speaker 3: it was me, Hi, I'm the problem. I am the
Speaker 3: one who said I didn't I didn't read the book.
Speaker 3: I don't think it was important for the podcast. We
Speaker 3: weren't talking about our reviews of the book. We were
Speaker 3: talking about the method.
Speaker 2: The podcast was I who read the book and Jill
Speaker 2: who didn't, and like coming together on like a radical
Speaker 2: middle of the Kanmari method. That was the point of
Speaker 2: the episode.
Speaker 1: All right, Well, we saw the Netflix special, which I like,
Speaker 1: I saw the movies and people like, no, you need
Speaker 1: to read the book or you don't really get it.
Speaker 3: But this was very early on. That's one of our
Speaker 3: oldest one star reviews like that. That KonMari Method episode
Speaker 3: was possibly in like the tens or twenties episodes, very early.
Speaker 2: It was, yeah, in the first two years for sure.
Speaker 3: All right, here we go, next one.
Speaker 4: All right, all right, all right, so all right, nope,
Speaker 4: that's the title. That's the title. Nope, all right. The
Speaker 4: review is their robotic, sore throat sounding voices are so annoying.
Speaker 4: And I don't know, sex sexy sexy but with a
Speaker 4: C sexy sexy two is it kegs side to either?
Speaker 2: But I always read it as sexy.
Speaker 3: Yeah, I think it's sexy.
Speaker 4: I mean that that would make sense.
Speaker 3: This is kind of endearing having our husbands read our
Speaker 3: one star reviews or something the podcast about it.
Speaker 2: Yeah, well, I mean it's not Valley Girl, you know,
Speaker 2: is unique.
Speaker 1: Yeah, maybe this was a more recent one after you
Speaker 1: fix the value.
Speaker 2: I really I love the title is just nope, nope,
Speaker 2: all right, Eric, this is number one. This is our
Speaker 2: number one one star review. It's our favorite voting number one.
Speaker 2: We voted at number one one. This is it email
Speaker 2: she's talking.
Speaker 1: No, No, okay, I'm gonna I'm gonna read.
Speaker 2: About the same episode though.
Speaker 1: Okay, I think this is the one where I clicked
Speaker 1: on the user because this was like a long time ago, right,
Speaker 1: I think I clicked on the user and that they
Speaker 1: had done like three reviews ever, and the other reviews
Speaker 1: were on like first person shooter video games and then
Speaker 1: the rugal.
Speaker 3: It wasn't this, No, it wasn't no. The one that
Speaker 3: they gave us a review on was just about our voices.
Speaker 3: It wasn't this long. But it is interesting when you
Speaker 3: can look up the different reviewers and what else they've
Speaker 3: reviewed and the podcast.
Speaker 1: This is from Timmy, who is apparently quick math fifty
Speaker 1: something years old, maybe sixties, nineteen sixty eight. You do
Speaker 1: the math. I've never heard so much.
Speaker 3: Wait what's the title?
Speaker 1: Oh, sorry, nauseating. I've never heard so much much passive
Speaker 1: aggressiveness in a podcast. I do Dave Ramsey. I do
Speaker 1: a Ramsey hybrid with the money guys. These two are sickening.
Speaker 1: I'm sure the money guys want their name thrown into
Speaker 1: this review too. The constant reference to Ramsey as an
Speaker 1: elderly white man he's sixty three, oh, which goes into
Speaker 1: the name of this guy in nineteen sixty eight.
Speaker 2: He feels personally attached because he's younger than Dave Ramsey.
Speaker 1: Yep, these two really offer next to nothing as far
Speaker 1: as any insightful information for personal finance planning. They've They've
Speaker 1: obviously been shunned by most of the financial community, and
Speaker 1: the constant dings about guilt and shame are exhausting. Not
Speaker 1: sure who follows these two chicks. Oh, I'm done, but
Speaker 1: most episodes are a waste of time. Listen to me, Well,
Speaker 1: I really do love this one.
Speaker 2: I love it because, yeah, we don't offer insight full
Speaker 2: information for financial planning, but also we have not been
Speaker 2: shunned by any of the financial community.
Speaker 1: Including Ramsey themselves. Oh all right, well we got we got,
Speaker 1: we cod out of the deal. Timmy, Timmy, like, I'm
Speaker 1: a nice guy, You're not passive?
Speaker 2: Aggressive is something that we are never we are full
Speaker 2: frontal aggressive.
Speaker 1: Yeah.
Speaker 2: We are never passive in our aggression.
Speaker 1: It happens in my house all the time.
Speaker 4: Yeah.
Speaker 2: To me, we are aggression.
Speaker 3: And I'm never gonna apologize for going against guilt and
Speaker 3: shame culture. I think that's a great one if you
Speaker 3: want to find the opposite of guilt and shame. Timmy's
Speaker 3: saying come here, because we often say that we don't
Speaker 3: like it. Yeah.
Speaker 2: I think my biggest regret on this podcast is one
Speaker 2: time saying, bring to Dave Ramsey is an elderly white man.
Speaker 2: It is a It is a phrase, and I have
Speaker 2: said once in four hundred episodes and has haunted me
Speaker 2: since I said it.
Speaker 3: It's interesting though that that would be offensive because I'm
Speaker 3: because I'm just backed.
Speaker 2: Well, I didn't say elderly. I think I said, like,
Speaker 2: he's an old white guy.
Speaker 1: When I'm sixty three, I will call myself an old
Speaker 1: white guy.
Speaker 2: I'm thirty four and I say I'm so old.
Speaker 3: Yeah, like yeah, but mostly tired. We're mostly tired.
Speaker 2: But I still say I look at younger people and
Speaker 2: I'm like, man, I'm old. So like when I'm sixty,
Speaker 2: I am gonna say I can't do that. I'm old.
Speaker 1: Yeah, just a little advice for Timmy. Just find podcasts
Speaker 1: you like, like Dave Ramsey's podcasts and The Money Guys
Speaker 1: and The Money Guys.
Speaker 2: If you like the Money Guys, We're gonna have Brian
Speaker 2: Preston on very soon also, so we love the Money Guys.
Speaker 1: Ramsey's not gonna be super stoked about your little hybrid
Speaker 1: situation between him and the Money Guys. Talk to him
Speaker 1: about that. Hey, yeah, I'm that's not good. Yeah, anything electric.
Speaker 3: He hates it. Do you know what keeps us going
Speaker 3: despite the fact that we feel old and tired for
Speaker 3: four hundred episodes. The fuel to our fire, it's the
Speaker 3: wind beneath our wings.
Speaker 1: It's the.
Speaker 3: Week.
Speaker 1: That's right.
Speaker 5: It's time for the best minute of your entire week.
Speaker 5: Maybe a baby was born and his name is Williams.
Speaker 1: Maybe you paid off your mortgage.
Speaker 5: Maybe your car died and you're happy to not have
Speaker 5: to pay that bill anymore. Dust bills, Buffalo bills, Bill Clinton,
Speaker 5: This is the bill.
Speaker 4: Of the week.
Speaker 6: Hey ladies, I just wanted to call in to give
Speaker 6: you guys my bill of the week. Obviously I'm sick,
Speaker 6: but I went to the local drugs store we have
Speaker 6: here and they had this amazing deal on some medicine,
Speaker 6: so I went in. It was Bogo, buy one, get
Speaker 6: one for the same price, So of course I bought
Speaker 6: half a dozen musin x off brand. Of course I
Speaker 6: didn't want to pay this same thing for the name brand,
Speaker 6: which has the same ingredients. I didn't save any money,
Speaker 6: but I felt like.
Speaker 4: I did, and that's all that matters, right, I feel
Speaker 4: like you anyways.
Speaker 6: Yeah, I just want to share that, thanks guys. Hey
Speaker 6: for friends.
Speaker 1: My bill of the week is that I don't have
Speaker 1: to think about bills too often. And that's not because
Speaker 1: I have a lot of money. It's because over the
Speaker 1: last six or seven years, my wife has become obsessed
Speaker 1: with personal finance. It's kind of a problem, but I
Speaker 1: don't address it because I don't have to think of
Speaker 1: about bills.
Speaker 6: Thanks Jill.
Speaker 1: I also want to say congrats to Jen and Jill
Speaker 1: on four hundred episodes. I know how hard you guys work.
Speaker 1: It's just incredible what you have built in six years now.
Speaker 1: And yeah, congrats, I love you guys. This is awkward,
Speaker 1: Oh my, how did this happen?
Speaker 3: Those were Travis and Eric's voices, just to fill in
Speaker 3: the gap that was going to happen.
Speaker 1: We had to hard it is to find a time
Speaker 1: to go record a secret message away from your wife.
Speaker 4: It is extremely hard, definitely when you have kids.
Speaker 1: Yeah, without kids, where did you?
Speaker 2: How when? Where?
Speaker 6: It was?
Speaker 4: Pretty recently you forget to go just if you shout
Speaker 4: out to Goldie.
Speaker 1: Goldie reached out to both of us and asked us
Speaker 1: if we wanted to do something. And she's the best.
Speaker 1: So you should seeil space that they're both about to cry.
Speaker 1: Gonna cry.
Speaker 2: Warm. I am so warm.
Speaker 3: I'm spreading a little bit.
Speaker 1: That's because then I have it pretty warm in here.
Speaker 2: Oh my gosh. Well, thank you guys. Yeah, bag your bills.
Speaker 3: That's a memorable bill right there, too, expensive one and
Speaker 3: a double bill. We lived double up.
Speaker 2: We love a double Were.
Speaker 3: You guys on the same phone call or you just
Speaker 3: combined the audio Eric because you know how.
Speaker 1: To speak pipe just like everybody.
Speaker 3: Else, and then you combined the audio and did it?
Speaker 1: Wow?
Speaker 2: All go.
Speaker 3: Good. This is a new song we're making on.
Speaker 2: Where you can never place the bill of the week
Speaker 2: song with this new Goldie song.
Speaker 3: Wow, you guys a lot of amazing bills. I don't
Speaker 3: even know how to respond. Every pure and utter shock.
Speaker 3: If you all are listening and you want to just
Speaker 3: shock and surprise us with a double bill with a
Speaker 3: bill from one of your husbands, that'd be great. Yeah,
Speaker 3: truglefriendspodcast dot com slash bill, leave us your bill. We
Speaker 3: are ready for it, and now it's time for the
Speaker 3: lightning around show. Okay, your hopes and dreams of keeping
Speaker 3: this a short episode have been demolished, for sure.
Speaker 2: For sure. What's the best thing you've heard from somebody
Speaker 2: about Frugal Friends. I couldn't nail down just one, but
Speaker 2: there have been so many, I think specifically in our
Speaker 2: Facebook group, the Frugal Friends community, there have been so
Speaker 2: many times where people have said these episodes have changed
Speaker 2: their life, have changed the way they function.
Speaker 1: And also people that say things like Nope.
Speaker 2: No, yeah right, I just I am eternally grateful like
Speaker 2: this one. The Frugal Friends podcast was my primary motivator
Speaker 2: to get my finances in order, Like I just take
Speaker 2: screenshots of so many of them.
Speaker 3: Yeah, I often forget that there are people who listen
Speaker 3: who it is making an impact, Like we often put
Speaker 3: these episodes out and I am never on Instagram, so
Speaker 3: I'm not the one reading the messages. It's like only
Speaker 3: when Jen thinks to pass along an email or a
Speaker 3: message that I hear that our episodes are making an impact.
Speaker 3: Although I see the downloads, which we're at six years
Speaker 3: and we're over six million downloads. We kind of are
Speaker 3: a million a year at this point, tracking.
Speaker 1: Last year basically or something like that.
Speaker 3: But I think the things that stick the most to
Speaker 3: me is when people say that it feels so relatable
Speaker 3: and down to earth and approachable and fun, and it
Speaker 3: feels like you're just listening to friends. And I think
Speaker 3: there's nothing more that I would want out of this
Speaker 3: type of platform, an opportunity to put out a podcast
Speaker 3: that is helpful and fun to listen to. I think
Speaker 3: when people say that we're doing the thing we're aimed
Speaker 3: at doing. We want to be frugal friends and we
Speaker 3: want to be fun, and people are saying, yes, you're
Speaker 3: frugal and helpful with finances, Yes you are a friend
Speaker 3: to me, and it feels like I'm listening to friends
Speaker 3: and yes, it's fun. Is everything.
Speaker 2: Yeah, I'm just going back through all these screenshots I've made,
Speaker 2: Like one girl said, we like her low key obsession
Speaker 2: with frugal friends help them pay off twenty four thousand dollars.
Speaker 2: Another one said they backed out of a house deal
Speaker 2: because it was going to cost them forty grand to
Speaker 2: buy out a solar lease and they realized it was
Speaker 2: just not something they valued, Like thanks to listening to
Speaker 2: the show.
Speaker 3: Yeah, amazing, thanks for Yeah. Sorry, we highlighted the one
Speaker 3: star review so much, but we do highlight our five
Speaker 3: star reviews and every other episode and know that you
Speaker 3: all are the are the true ones that keep us
Speaker 3: going in the midst of these one star reviews.
Speaker 2: And this is like we joke a lot about like
Speaker 2: not making a ton of money, like frugality is not
Speaker 2: a super profitable niche in personal finance, but the impact
Speaker 2: we're making is exponential, and it is we are so
Speaker 2: rich in the lives that we've changed. Like I don't
Speaker 2: know a single other influencer that gets as many emails
Speaker 2: as we do, except for maybe the ones with millions
Speaker 2: of followers, but just gets so many emails about the
Speaker 2: thing like the tangible things people have changed in their
Speaker 2: lives because of our show of the friend Letter, and
Speaker 2: it's just like it's so worth it. It's all worth it.
Speaker 3: Yeah, to have friends all over the place, is so cool. Well, boys,
Speaker 3: thanks for joining us for this episode. Thanks for your
Speaker 3: surprise bill. That was so amazing.
Speaker 2: It was lovely.
Speaker 1: Thanks for coming to my office.
Speaker 3: Any closing thoughts, Oh man.
Speaker 4: I wish I had I did a different bill because
Speaker 4: I tried to be I try to be funny. I'm
Speaker 4: not that funny. But yeah, I feel like maybe I
Speaker 4: should have done like a like a congratulations guys.
Speaker 2: I mean, it's never too late.
Speaker 1: It's gonna go all funny. And then last second I pivoted,
Speaker 1: so you don't have to feel any shame.
Speaker 4: Yeah, the definition of what I was told was like random,
Speaker 4: So I was like random, funny random. I don't know.
Speaker 1: I thought you did.
Speaker 3: You did a great bill. It was a very real
Speaker 3: time example of how you're getting shocking.
Speaker 1: I think it is shocking. It is good. How it
Speaker 1: starts it was horrible. I'm here. It's so good.
Speaker 2: Well, thank you so much for listening. We love reading
Speaker 2: your kind reviews. We've only this is the first and
Speaker 2: last time you'll hear us read one star reviews, hopefully,
Speaker 2: because we love your kind reviews like this one from
Speaker 2: Malvern Mom. She says, fantastic frugal friends, it happens to
Speaker 2: be five stars. She says, I discovered The Frugal Friends
Speaker 2: two years ago and have yet to miss an episode.
Speaker 2: I've listened to many of their back episodes. Though I
Speaker 2: work in financial services, I'm financially savvier than the average person.
Speaker 2: I find Jen and Jill's practical approach to personal finance
Speaker 2: with actionable tips and resources strikes the perfect balance for me.
Speaker 2: I'm continually surprised by how much new information they're able
Speaker 2: to distill and consolidate in a single episode. Their outreach
Speaker 2: over multiple media channels is also helpful, particularly the Friend
Speaker 2: letter and challenges such as January's No Spend challenge on Instagram.
Speaker 2: I also enjoyed their banter and truly do feel like
Speaker 2: I'm listening to two friends that I've known for years.
Speaker 2: Maybe that's because I'm also from southeastern Pennsylvania and feel
Speaker 2: the connection to some of Jill's idiosyncrasies in common phrases
Speaker 2: like oh my word, which reminds me of my grandmother.
Speaker 2: I look forward to every episode and the upcoming book.
Speaker 3: That's amazing. Malvern and Malvern is yes, that is a
Speaker 3: suburb of Philly, which is amazing.
Speaker 1: You don't realize all the idiosyncrasies of the area you
Speaker 1: live in. Yeah, it's so right, Like.
Speaker 2: Do you guys say, ponder a lot that's one of us.
Speaker 3: That's because of my therapy background. That has nothing to
Speaker 3: do with a lot. Thank you everyone for being here.
Speaker 3: If you listen to this episode all the way through,
Speaker 3: we know you a true one. Actually are here party
Speaker 3: your longtime listener, most likely just here for the celebrations,
Speaker 3: and we appreciate you. And if you've been here for
Speaker 3: this whole episode and for any amount of time and
Speaker 3: you enjoy the podcast, please do leave us a review.
Speaker 3: You can see how they help us so.
Speaker 2: What we're dealing with. Alternatively, see you next time. Google
Speaker 2: Friends is produced by Eric Sirianni. All Right, all right, guys,
Speaker 2: this is the after show and this is where the
Speaker 2: gutter humor really holds bar? No holds bar?
Speaker 1: What does that mean?
Speaker 3: No holds barld No, there's no.
Speaker 1: Bo no bars over. We don't even have bars.
Speaker 2: We're not holding them.
Speaker 1: Yeah. Wow, I'm not wow. No holds yeah are It's
Speaker 1: still like hard to read those views, even ones that
Speaker 1: I've seen before, like years ago. It's like it feels,
Speaker 1: it feels really dramatic, especially in podcasting and I feel
Speaker 1: like this, I mean YouTube too. I'm sure it's like
Speaker 1: a newer thing where people like really want their voice
Speaker 1: to be heard about how much they don't like something.
Speaker 1: We're like, you go to Walmart and you buy a
Speaker 1: product that you don't really like, Like you don't jump
Speaker 1: on the internet and like scream about it.
Speaker 2: Well some people do.
Speaker 1: Yeah, yeah, true, I guess they do. But it's just wild,
Speaker 1: like like the podcast itself is a free product and
Speaker 1: somebody is very angry about it.
Speaker 4: So passionate about it.
Speaker 1: Yeah, so passionate about this one thing they heard.
Speaker 3: Yeah, yeah, passionate enough to get on and write something out.
Speaker 3: It is an interesting phenomenon. I think it's a specific
Speaker 3: type of person.
Speaker 2: Yeah, And I think it just it means so much
Speaker 2: more that if you're not that type of person. And
Speaker 2: even if it's not our podcast, if you're listening to
Speaker 2: this and there's another podcast that you have enjoyed, or
Speaker 2: another person's work on social media or an audiobook, if
Speaker 2: there is a way to leave a rating and review,
Speaker 2: that is so impactful because it is a free way
Speaker 2: that you can support the creators you love, and it
Speaker 2: does have a monetary gain because the more. I mean
Speaker 2: when we look at a podcast, like the first thing
Speaker 2: we're looking at is what's the rating and how many
Speaker 2: ratings are there? So it does help cumulatively, it is
Speaker 2: a great thing to do for creators.
Speaker 1: Yeah, helpful. What else we got more banter?
Speaker 3: I think, Yeah, we can celebrate by going out to dinner.
Speaker 4: Someday, Eric, someday we go out.
Speaker 3: It's a good joke and we needed to get it
Speaker 3: on the mic.
Speaker 1: She dropped me.
Speaker 2: She's so good at that.
Speaker 1: She's been she's been letting us go out more often.
Speaker 4: Yeah.
Speaker 1: The thing is like like in my in my Bill
Speaker 1: of the week, like I can complain about not wanting
Speaker 1: to go or like not being on to call to eat,
Speaker 1: but like I also don't want to think about money.
Speaker 1: I really hate it. I like it's the last thing
Speaker 1: I want to think about my Like b B, before Jill,
Speaker 1: I did just didn't send to me. I just this
Speaker 1: is getting risky. I just didn't spend money, like as
Speaker 1: much money as I couldn't spend. That's what I did.
Speaker 1: And I just never had any money either. But now
Speaker 1: it's like, yeah, at least, at least I feel financially
Speaker 1: somewhat secure. But I do I really like eating out.
Speaker 1: That's like that is mine is taking you to Mexico.
Speaker 3: On point, I'm the one I'm taking him. I'm treating
Speaker 3: him to dinner. I'm taking him to Mexico.
Speaker 2: And once she's a New York Times best selling author,
Speaker 2: then maybe you can go out to dinner.
Speaker 1: That's what I'm talking about, Like just once, just want me,
Speaker 1: just one.
Speaker 3: That'll be how we sell the book. Let Jill take
Speaker 3: Eric out to dinner. Let Eric go out to dinner.
Speaker 2: Let the man freeze.
Speaker 3: He just wants some chicken nuggets and French fries.