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Speaker 1: Welcome to Head of Money. I'm Joel and I am Matt,

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Speaker 1: and today we're talking customer centric companies, password panic, and

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Speaker 1: the worst time to travel.

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Speaker 2: Yeah, the worst times to travel. We've got some travel

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Speaker 2: advisory news for what if we provided travel updates for

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Speaker 2: all the major cities across the country on our Friday flights,

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Speaker 2: which tend to be a little more timely. I'm actually

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Speaker 2: glad we don't do that, but we might.

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Speaker 1: Sounds kind of boring.

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Speaker 2: Yeah, we'll touch on that a little bit, with as

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Speaker 2: being a super heavy travel weekend for a lot of folks.

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Speaker 2: But before we get to our Friday flight, which, by

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Speaker 2: the way, it's the top stories that we think that

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Speaker 2: you should be aware of here on this lovely Friday.

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Speaker 2: But Joel, I don't know if you know this, but

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Speaker 2: I read the How to Money newsletter.

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Speaker 1: It doesn't.

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Speaker 2: This past Tuesday, we included just a little quick to

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Speaker 2: do for folks to consider cutting their own hair in

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Speaker 2: order to save money.

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Speaker 1: We take our own medicine here on How to Money. Yeah,

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Speaker 1: we do. I didn't mind the other day, but it

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Speaker 1: was not nearly nearly as much of a shearing as.

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Speaker 2: You got it, dude. It was finally time, so I

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Speaker 2: hadn't trinmed my own my hair since twenty twenty, like

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Speaker 2: the early days of the pandemic basically is when I

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Speaker 2: gave myself.

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Speaker 1: So, how many inches of hair did you have?

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Speaker 2: Yeah?

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Speaker 1: I don't know. It was.

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Speaker 2: I mean, so we Kate put it into little a

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Speaker 2: bunch of little ponytails and trimmed it off because we're

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Speaker 2: planning to send it to an adult hair nonprofit or

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Speaker 2: something like they take it and that they make the

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Speaker 2: wigs out of it nice. But it was I don't know,

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Speaker 2: like when I wore it down, it would come down

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Speaker 2: pass my arm pits, which I rarely did because it

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Speaker 2: was so unwieldy. But yeah, it was a lot of hair,

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Speaker 2: most hair I've ever ever had before. A part of

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Speaker 2: the reason why I remembered thinking I wanted to grow

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Speaker 2: my hair out was because it's like the pandemic, there's

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Speaker 2: a lot of weird stuff, yeah going on. It just

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Speaker 2: felt like something kind of fun to do. A lot

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Speaker 2: of people felt like they had to make a major

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Speaker 2: change and that was one of the things they could do,

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Speaker 2: or lot of folks like yeah, yeah, for me, I

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Speaker 2: kind of did the long hair thing. If I didn't

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Speaker 2: shave it in people wouldn't notice. It's like like it

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Speaker 2: it's gross. But I went to and grabbed the clipper

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Speaker 2: or the box that the clippers and normally in, and dude,

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Speaker 2: I realized that I totally forgot about this. But I

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Speaker 2: had thrown my clippers away after the last time I

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Speaker 2: cut my hair at the beginning of twenty twenty because

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Speaker 2: they were basically broken. And so I realized that not

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Speaker 2: only was I being frugal by not having to go

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Speaker 2: in to get a haircut, but I think I was

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Speaker 2: being cheap because I think I just stopped cutting my

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Speaker 2: hair because I didn't have any clippers on hand, which

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Speaker 2: I thought was kind of I.

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Speaker 1: Told h I would loan you mine, but you you did,

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Speaker 1: and I appreciate it, but you also said, you know,

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Speaker 1: I gotta get some because I'm gonna be using them

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Speaker 1: on my own hair.

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Speaker 2: Exactly exactly, but you know what. So what I realized

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Speaker 2: was that not only was I spending a lot of

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Speaker 2: money on in order to have long hairs, specifically, I

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Speaker 2: didn't realize how much shampoo and specifically conditioner I was

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Speaker 2: requiring that I was needing in order to keep the

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Speaker 2: main in check. A ridiculous amount, and I realized, you

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Speaker 2: got to feel what women everywhere have to feel. Yes,

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Speaker 2: all day, every day. Yes, that first shower back, I

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Speaker 2: quickly washed my hair. I was like, oh, that's it.

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Speaker 1: It was amazing.

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Speaker 2: But also the amount of time that goes into washing

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Speaker 2: a large amount of hair. I feel like I've got

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Speaker 2: like five minutes of my day back every every single

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Speaker 2: day you go. It all adds up, you know, That's

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Speaker 2: all I'm saying.

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Speaker 1: Well, then you're gonna factor in the time it takes

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Speaker 1: to have haircuts on a regular basis too. But well,

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Speaker 1: that's the thing.

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Speaker 2: I got the new clippers, and I realized how terrible

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Speaker 2: those That's why I threw those old clippers away, because

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Speaker 2: I hadn't had a decent pair of clippers in a

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Speaker 2: long time. I'll link to the ones that we bought

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Speaker 2: just off Amazon. I was like thirty bucks, color coded guards.

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Speaker 1: These things. Holy. I cut my hair in like ten minutes.

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Speaker 1: It was amazing. I was like, araw right up the

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Speaker 1: side of my head. When you think about how awesome

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Speaker 1: even cheap haircuts they add up over time when you

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Speaker 1: factor in like the time it takes to drive their

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Speaker 1: blow of the tip and stuff like that. It will

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Speaker 1: save you a lot of time, especially for guys. For

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Speaker 1: I don't know for women, if it's easier or more difficult.

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Speaker 1: I guess if it's just a little trim and you're

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Speaker 1: just a little light scissoring, should be like not terribly

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Speaker 1: difficult to make compental. I think so, yeah, so, but

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Speaker 1: doing your own haircuts, Matt poster child for what we

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Speaker 1: should post to pick. A lot of people have given

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Speaker 1: you compliments you look ten years younger, and I think

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Speaker 1: it's true.

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Speaker 2: I've heard that from multiple I thought you and Emily

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Speaker 2: were just being nice, but I've heard that from others

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Speaker 2: as well. I'm like, oh, man, I guess I was

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Speaker 2: looking kind of rough there for a minute, but glad

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Speaker 2: to be back in the short hair club.

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Speaker 1: There you go. Yeah, all right, so yeah, let's get

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Speaker 1: to our Friday flight. A quick sampling of stories we

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Speaker 1: found interesting this week in the personal finance space, and

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Speaker 1: let's lead off with some good news Matt. For investors

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Speaker 1: and specifically health savings accounts, because those limits are going

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Speaker 1: up in twenty twenty four that was just recently announced.

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Speaker 1: There's going to be a seven percent increase over the

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Speaker 1: current twenty twenty three limit. Which means that your HSA

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Speaker 1: just became even more enticing as an account to sack

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Speaker 1: away additional retirement dollars. And so the HSAS it sounds bland,

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Speaker 1: Matt when you say health savings account, it just sounds

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Speaker 1: so lame, I think people sounds as boring and lame

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Speaker 1: as cutting your own People misunderstand the glories of the HSA,

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Speaker 1: I think because it sounds so so silly when you

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Speaker 1: talk about a health savings account, cool, I'll save for

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Speaker 1: health care expenses. How much is it really going to

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Speaker 1: make a difference? And the truth is, even if you

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Speaker 1: spent your HSA dollars in the current year for health

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Speaker 1: care expenses, you'd still avoid taxation. But as any long

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Speaker 1: time how a money listener knows, the key to fully

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Speaker 1: utilizing and maximizing the extreme benefits that the HSA has

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Speaker 1: to offer is actually invest those funds rather than just

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Speaker 1: earning epitodly amounts in some intersparing account inside of that HSA.

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Speaker 1: So that's probably, you know, one of the biggest mistakes

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Speaker 1: for folks who have in hsas that they don't realize

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Speaker 1: that default option is most likely the savings account on

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Speaker 1: like a four to one K where the default option

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Speaker 1: is likely that the money's going to be invested. But

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Speaker 1: right now, Matt, individuals, they can invest three eight hundred

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Speaker 1: and fifty within their HSA, but that's going up next

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Speaker 1: year to four thousand and one. One hundred and fifty.

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Speaker 1: Families are going to see an even bigger increase from

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Speaker 1: seven seven hundred and fifty to eighty three hundred, even

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Speaker 1: into the triple tax advantage HSA. If you want to

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Speaker 1: know more, we have an article we'll link to in

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Speaker 1: the show notes. But the HSA, if you have access

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Speaker 1: to one, if you have a high deductible health care plan,

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Speaker 1: it is probably the best retirement account on the market.

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Speaker 1: It's the most ersatble and it's the only one that

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Speaker 1: avoids taxation completely.

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Speaker 2: It certainly has the most tax avoidance built into it.

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Speaker 2: And so yeah, the way that you actually get access

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Speaker 2: to a health savings account is that you need to

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Speaker 2: have a high deductible health care plan, and typically that

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Speaker 2: means these are plans with deductibles in the thousands of

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Speaker 2: dollars range. But you might be thinking, no, thanks, not

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Speaker 2: a good fit for me. Well, we really want you

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Speaker 2: to think again, because you could be spending tons of

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Speaker 2: unnecessary dollars on healthcare premiums. And the research actually backs

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Speaker 2: this up. There's a study from the NBER right, the

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Speaker 2: National Bureau of Economic Research, and they found that folks

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Speaker 2: are paying forty percent more in premiums every single month

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Speaker 2: simply because of inertia.

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Speaker 1: This is just simply.

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Speaker 2: Because there are folks out there who don't want to

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Speaker 2: think about it. So the soaks end up sticking with

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Speaker 2: what they've got, and then they succumb to that status

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Speaker 2: quo bias where they are wasting their dollars. And then

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Speaker 2: even when we are actively making a decision on possibly

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Speaker 2: a new health insurance plan, we just tend to assume

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Speaker 2: the worst case scenario, even though that they are unlikely

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Speaker 2: to happen, right, and so are our minds. They go

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Speaker 2: to shark bites, they go to rare cancers, and then

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Speaker 2: with that just in the forefront of our minds, we

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Speaker 2: opt for like the Catillac of health insurance policies out there,

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Speaker 2: when in reality, truly a high deductible health care plan

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Speaker 2: would serve the vast majority of folks just fine.

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Speaker 1: Then you get access to the HSA, and yes, you

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Speaker 1: need to probably self insure a little more if you

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Speaker 1: opt for the high deductible health care plan because you

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Speaker 1: might face a higher out of pocket expense, But the.

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Speaker 2: What that means is just a little bit more money

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Speaker 2: in your emergency. I'm just having a little more margin.

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Speaker 1: But the higher likelihood for most fairly reasonably healthy people

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Speaker 1: is that they're going to save money over the years

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Speaker 1: by and then be able to invest in a more

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Speaker 1: significant way by choosing that health care plan. Especially too,

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Speaker 1: a lot of employers will contribute to your HSA, Like

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Speaker 1: a lot of employers that offer hsas as an option,

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Speaker 1: they'll toss in a thousand bucks. Another sweet part. Yeah,

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Speaker 1: and that's I mean if you are not taking advantage

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Speaker 1: of that, if a high deductible health care plan works

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Speaker 1: for you, like you are literally quite literally leaving money

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Speaker 1: on the table. You mentioned growing for decades. Sure you

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Speaker 1: mentioned shark bikes for a second. It makes me think,

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Speaker 1: like the way we catastrophize my girls. They love swimming

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Speaker 1: in the ocean. They'll be like, I'm scared of sharks, dad,

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Speaker 1: and so I have to like we literally look up

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Speaker 1: the stats and I say, you're more likely to get

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Speaker 1: killed by a vending machine than you are to get

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Speaker 1: to get bit by a shark of a piece of

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Speaker 1: an airplane following through the sky and striking you exactly. Yeah,

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Speaker 1: so you think it's more likely to happen, but our

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Speaker 1: human brains have a hard time wrapping around that logic,

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Speaker 1: and so we catastrophize. I think that's what we do

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Speaker 1: with in terms of healthcare insurance, and are like, well,

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Speaker 1: what if this happens. I guess I probably need the

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Speaker 1: best thing, But it turns out the best thing is

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Speaker 1: costing you a whole lot more in a lot of circumstances.

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Speaker 2: Yeah, So that's also it's also called availability bias, which

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Speaker 2: is when our minds take these shortcuts and we latch

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Speaker 2: onto the most prominent pieces of information that we've heard

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Speaker 2: or that we've seen. And in a lot of cases

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Speaker 2: it's helpful when it comes to us quickly being able

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Speaker 2: to make decisions. But in cases like this, especially when

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Speaker 2: media is highlighting a great white shark off the coast

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Speaker 2: of South Carolina or whatever, you tend to think, oh, no,

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Speaker 2: we need to make sure we avoid the ocean altogether,

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Speaker 2: or the whole state of South Carolina. Really exactly, speaking

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Speaker 2: of which, did we were you talking a couple of

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Speaker 2: days ago about there's this website that tracks sharks. Oh

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Speaker 2: you were telling about that, Yeah, facts or something like

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Speaker 2: that along the coast of Hilton Head or something.

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Speaker 1: Yeah, exactly.

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Speaker 2: So it's not that sharks don't exist, but the actual

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Speaker 2: likelihood of them attacking you while you're at the beach

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Speaker 2: this weekend is pretty slim.

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Speaker 1: Exactly, same thing with like hopping on an airplane. It's

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Speaker 1: way way safer to do that than it is to

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Speaker 1: hop in your car. But yeah, let's talk about taxes

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Speaker 1: for a second, Matt. Why does it cost us so

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Speaker 1: much money to pay the government what we owe in taxes?

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Speaker 1: That has always been kind of a conundrum for me.

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Speaker 1: The fact that we have to pay money to pay

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Speaker 1: our taxes feels like we're getting hit twice. Yeah. Yeah,

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Speaker 1: it's they get tax on the taxes, right. And so,

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Speaker 1: depending on your situation, the complexity of the tax code

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Speaker 1: almost necessitates hiring a pro and it's worth It's worth

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Speaker 1: the money, even though it feels like it shouldn't be necessary.

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Speaker 1: It's gonna eventually save you in the long run if

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Speaker 1: your tax situation is a little more nuanced. But for

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Speaker 1: folks with the more straightforward tax situation, there's an industry

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Speaker 1: that's risen up to serve you. But they do it

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Speaker 1: for for a fee, for a price, right, they want

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Speaker 1: to cost just sixty nine to seventy nine bucks something

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Speaker 1: like that every every single year when you file your taxes.

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Speaker 1: But your good friends at the IRS, I say that

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Speaker 1: somewhat chokingly. They're working on a free filing option of

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Speaker 1: their own to compete with the turbo taxes of the

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Speaker 1: of this world. And TurboTax, of course, is not happy

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Speaker 1: about it. They called they call this a solution in

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Speaker 1: search of a problem. But I gotta say this, who cares?

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Speaker 1: Who cares what TurboTax thinks. Is going to start testing

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Speaker 1: this new proprietary filing system early next year with just

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Speaker 1: a small handful of taxpayers. I'm interested to see kind

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Speaker 1: of how this shakes out, and it's going to cost

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Speaker 1: him a lot of money to build. But there is

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Speaker 1: a chance that we're all able to file our simple

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Speaker 1: tax returns free of charge thanks to this new IRS product.

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Speaker 2: And I'm sure we will hear more about this after

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Speaker 2: they kind of go through that trial run. It might

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Speaker 2: actually be available to the masses, maybe in like twenty

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Speaker 2: twenty five, But until then, cash app taxes. They're actually

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Speaker 2: still the best free tax filing software out there that

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Speaker 2: we know about. And the truth is, even after this

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Speaker 2: IRS tax filing system is widely available, I think a

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Speaker 2: lot of how to money listeners who do have more

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Speaker 2: complicated tax situations, with more complicated tax returns, I think

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Speaker 2: they'll likely still be better off paying for professional help

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Speaker 2: and having somebody who knows the ins and the outs

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Speaker 2: can most definitely be worth it. And plus on top

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Speaker 2: of that, I mean, when was the last time you

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Speaker 2: had a government service provider and you were like, oh, yeah,

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Speaker 2: that's uh, they did a tip top job over there.

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Speaker 1: I will say I went to the Department of Driver

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Speaker 1: Services this morning to register our new minivan, and I

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Speaker 1: was like, was it delightful? There was one person in

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Speaker 1: front of me. I was in and out in no time,

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Speaker 1: and I was I was surprised, and I was delighted.

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Speaker 2: Actually, I wonder if it's just the time of year.

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Speaker 2: It's like a lot of folks they probably are thinking

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Speaker 2: about the beach or maybe their plans for this weekend.

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Speaker 2: They're not taking care of those boring things that you

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Speaker 2: know is required of us as adults. Yeah, but maybe

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Speaker 2: I got lucky nice, But yeah, I know it it

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Speaker 2: is a decent experience. So just you know, did you

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Speaker 2: to the one shout out for our local one? Did

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Speaker 2: you go to the same one that I went to?

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Speaker 2: That one's actually surprisingly awesome.

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Speaker 1: It was great.

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Speaker 2: There's a guy and he yeah, I'm this doesn't apply

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Speaker 2: to anybody else heartily at all, but yeah, surprisingly they

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Speaker 2: do a really good job there.

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Speaker 1: Yeah, not too shabby. All right, But speaking of customer service, Matt,

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Speaker 1: let's talk about that for a second, because everyone knows

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Speaker 1: that social media is crappy for us, okay, and the

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Speaker 1: Surgeon General just issued a warning this week about kids

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Speaker 1: and social media, and I was kind of like, all right, interesting,

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Speaker 1: I feel like we already know this. Yeah, social media

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Speaker 1: and kids doesn't mix well, leading to a lot of

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Speaker 1: increased anxiety. And I'm gonna try to keep my kids

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Speaker 1: off social media as long as possible. I know you

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Speaker 1: feel the same way. Oh yeah, but for.

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Speaker 2: More reading on this, the coddling of the American mind, Yes,

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Speaker 2: Jonathan Height.

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Speaker 1: There's another article in the Free Press this week. Maybe

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Speaker 1: we'll lead to in the show notes about that, specifically

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Speaker 1: about parents trying to hold off their kids as long

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Speaker 1: as possible, even though they're like the lone child in

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Speaker 1: the class who's not hold out, Yeah, who's not on

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Speaker 1: some sort of smart device. How it's really good for

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Speaker 1: those kiddos and good for those families. But it's also

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Speaker 1: true that we as adults could spend quite a bit

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Speaker 1: less time on those platforms and on technology in general.

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Speaker 1: But we've always talked about how one proper use of

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Speaker 1: social media that can be really helpful besides small plug

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Speaker 1: for the how to Money Facebook group, which is incredible,

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Speaker 1: and that's really heading heading to social media to get

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Speaker 1: better customer service results. Well, sadly that's not as true

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Speaker 1: as it used to be. The Wall Street Journal just

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Speaker 1: published an article about how Twitter isn't kind of the

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Speaker 1: bastion of customer service that it once was. For a minute,

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Speaker 1: Twitter really was for really a handful of years, Twitter

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Speaker 1: was a place I felt like I could turn to

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Speaker 1: get customer service from companies who wouldn't answer any other way,

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Speaker 1: who didn't have a one one hundred number, who were

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Speaker 1: hard to track down in any other form or fashion.

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Speaker 1: But some airlines like KLM and Air France in particular,

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Speaker 1: are shutting down their Twitter customer service teams. The major

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Speaker 1: US carriers they haven't abandoned Twitter yet, But it sucks

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Speaker 1: to lose that as an outlet to get help if

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Speaker 1: your flight's delayed, if you're having an issue with the

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Speaker 1: airline in general, or really with any company. I've loved

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Speaker 1: that as a recommendation as a way that people can

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Speaker 1: actually get help from a lot of companies when they

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Speaker 1: can't find it elsewhere. But it looks like that is

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Speaker 1: less likely to be the case moving forward.

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Speaker 2: I guess, yeah, hopefully, hopefully this story is just ahead

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Speaker 2: of the curve a little bit right, and they're kind

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Speaker 2: of like, oh, this is something that might could happen.

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Speaker 2: But I would still say to reach out to a

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Speaker 2: company via Twitter if you are having a problem, it's

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Speaker 2: still worth it for the time being.

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Speaker 1: Keep barking up at treta as.

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Speaker 2: Until there's no longer any birds up there that are

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Speaker 2: responding to any of your dms.

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Speaker 1: So one plus tign of companies not responding on Twitter

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Speaker 1: is that it's one less reason to be on social

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Speaker 1: media and so you're sawn it less in general because

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Speaker 1: of that.

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Speaker 2: Well, okay, so a way that you can avoid customer

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Speaker 2: customer service nightmares altogether is just do business with better companies.

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Speaker 2: There's a New Harris pull and they highlight the most

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Speaker 2: as well as the least trustworthy companies that you could

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Speaker 2: do business with, and a couple of of my absolute favorites. Well, Joel,

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Speaker 2: you love Costco as well, but Patagonia was what was one?

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Speaker 2: Costco was number two. I don't think I own a

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Speaker 2: single item of Patagony clothing.

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Speaker 1: I know you owned. I love that. I'm a yeah,

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Speaker 1: but yes hill for Patagony I was. I knew they're

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Speaker 1: a good company, but I was surprised to see their

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Speaker 1: number one on the list. That's suppressive. They do a

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Speaker 1: really good job.

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Speaker 2: But Chick fil A, Trader Joe Is, us AA, Amazon,

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Speaker 2: and Apple they were all actually in the top ten

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Speaker 2: as well. I was sad to see Aldi was somehow

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Speaker 2: pretty far down the list, their number thirty three.

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Speaker 1: I was shocked to see that a little too low.

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Speaker 2: But I think it always in our mind, they're always

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Speaker 2: number one. In my heart, they're tops. I think it

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Speaker 2: depends on the specific Aldi that you are exposed to.

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Speaker 2: It's not necessarily them as a company that I think

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Speaker 2: people base their opinions on. I think it has more

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Speaker 2: to do with like, well, the one near me kind

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Speaker 2: of sucks and I don't know. The employees aren't nice,

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Speaker 2: and I think that could possibly taint individuals.

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Speaker 1: Never meant a not nice Aldi employees. They're always so

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Speaker 1: great at least. Yeah, again, the ones down here in

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Speaker 1: the South, I will say. Maybe the biggest downside is

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Speaker 1: sometimes you have to wait in too long of a

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Speaker 1: line to check out, and that can be kind of

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Speaker 1: frustrating if you're not used to that. But overall all

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Speaker 1: these should be top ten in my mind.

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Speaker 2: Yeah, bottom line, we wanted to mention this because spending

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Speaker 2: your dollars with trustworthy businesses out there who do good work,

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Speaker 2: it matters. It's going to be better for you, better

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Speaker 2: for the experience that you're going to receive. But it

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Speaker 2: also shows just all like crummy companies out there, just

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Speaker 2: how they should be treating their customers, how it actually matters,

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Speaker 2: and how you know what it is they need to

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Speaker 2: do to gain the respect and to rebuild their reputation

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Speaker 2: in order to garner more business.

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Speaker 1: Yeah, so maybe we will quickly mention a few of

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Speaker 1: the worst companies listed on that pole FTX of course,

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Speaker 1: come on, who trust them? At this point? I was

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Speaker 1: suspicious before everything went down, but Meta TikTok spirit airlines

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Speaker 1: and Twitter. We just talked about going to Twitter for

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Speaker 1: customer service and how that's not nearly as much the

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Speaker 1: case anymore. But a lot of these companies are not

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Speaker 1: terribly trustworthy according to a decent chunk of consumers. And

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Speaker 1: so yeah, I think that's good advice, Matt. Do business

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Speaker 1: with better companies and you're gonna be beating your head

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Speaker 1: against the wall for a lack of customer service far

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Speaker 1: less often. But we've got more to get to on

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Speaker 1: this episode, in particular password sharing. There's a crackdown coming.

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Speaker 1: How's it going to impact you? It is here or

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Speaker 1: you have to pony up. We'll discuss right after this.

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Speaker 2: All right, we are back from the break, and before

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Speaker 2: we get to talking about Netflix here, we've got our

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Speaker 2: ludicrous headline of the week, and this one comes from

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Speaker 2: Business Insider, and it reads the death of ownership.

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Speaker 1: Very simple headline, very straightforward.

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Speaker 2: Sadly, ownership, the ability to properly possess our things, seems

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Speaker 2: like it's becoming a thing of the past in certain

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Speaker 2: sectors of our economy. We've talked about printers being bricked

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Speaker 2: remotely if you're not subscribed to the different inks service

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Speaker 2: subscription service adding there are cameras that they are smartphones

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Speaker 2: that are no longer getting support in the updates that

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Speaker 2: are necessary for them to actually continue to run. You've

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Speaker 2: got to sometimes pay to use hardware that's already installed. Say,

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Speaker 2: I think it was BMW that was charging you for,

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Speaker 2: you know, to use the seat heaters and other premium options.

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Speaker 2: A lot of manufacturers, well, they also want you to

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Speaker 2: come straight to them when you need your item service

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Speaker 2: or when the case of phones, like when you need

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Speaker 2: your screen replaced. Basically, they're making it harder to allow

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Speaker 2: you to fix things yourself or for some of the

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Speaker 2: other third party companies and outfits to.

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Speaker 1: Do that for you.

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Speaker 2: Bottom line, all of these trends suck, like we are

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Speaker 2: beholden to them, and it's getting more and more difficult

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Speaker 2: for us to calculate the true expense of a purchase

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Speaker 2: that we make when they've got their tentacles that are

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Speaker 2: just finding their ways into our wallets.

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Speaker 1: Yeah, and even after the fact of purchase, even sometimes

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Speaker 1: years after the purchase date, they still have some control

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Speaker 1: over the thing that we have outright bought and we

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Speaker 1: should own completely. And that's just kind of a frustrating trend.

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Speaker 1: So and I think part of what makes technology cool

436
00:19:30,600 --> 00:19:32,680
Speaker 1: can also make it feel like Big Brothers watching your

437
00:19:32,720 --> 00:19:35,760
Speaker 1: every move. It's kind of cool that Tesla can update

438
00:19:35,760 --> 00:19:38,920
Speaker 1: your car over Wi Fi. I know, cool new Tesla owners,

439
00:19:39,040 --> 00:19:41,440
Speaker 1: like five six years ago they were like, this is amazing,

440
00:19:41,600 --> 00:19:44,080
Speaker 1: Like the range just improved by fifteen percent overnight because

441
00:19:44,080 --> 00:19:46,359
Speaker 1: of some Wi Fi update, and that is a cool

442
00:19:46,359 --> 00:19:50,040
Speaker 1: thing to experience technology improving your car without you having

443
00:19:50,040 --> 00:19:51,920
Speaker 1: to take it into the shop or something like that.

444
00:19:52,280 --> 00:19:56,320
Speaker 1: But they've also apparently been locking certain software features when

445
00:19:56,320 --> 00:19:58,280
Speaker 1: Tesla owners try to update their cars in ways that

446
00:19:58,320 --> 00:20:02,080
Speaker 1: Tesla doesn't approve. Of the jail broken Teslas, right, so

447
00:20:02,080 --> 00:20:03,840
Speaker 1: it doesn't feel like you actually own your car at

448
00:20:03,840 --> 00:20:06,040
Speaker 1: that point, which is kind of ridiculous. It's actually the

449
00:20:06,080 --> 00:20:08,720
Speaker 1: opposite of cool. So when you buy something, you should

450
00:20:08,760 --> 00:20:10,639
Speaker 1: have the right to do whatever you want with that item.

451
00:20:10,800 --> 00:20:12,760
Speaker 1: And what's the solution here, I don't know. It seems

452
00:20:12,760 --> 00:20:15,640
Speaker 1: like new consumer protection laws ideally need to come into

453
00:20:15,680 --> 00:20:19,800
Speaker 1: place for kind of the new technology space we're in,

454
00:20:20,000 --> 00:20:22,359
Speaker 1: But for now, we would say pay close attention to

455
00:20:22,400 --> 00:20:26,160
Speaker 1: the fine print, specifically when you're buying totally connected devices,

456
00:20:26,160 --> 00:20:28,639
Speaker 1: devices that are always connected to the Internet or and

457
00:20:29,080 --> 00:20:32,000
Speaker 1: you know which companies do you trust. Which companies are

458
00:20:32,119 --> 00:20:35,640
Speaker 1: going to potentially like force you to come into their

459
00:20:35,840 --> 00:20:38,719
Speaker 1: HQ to get a repair done, or are going to

460
00:20:38,720 --> 00:20:40,639
Speaker 1: prohibit you from doing what you want with the item

461
00:20:40,680 --> 00:20:43,280
Speaker 1: you own. It's best to know that upfront. Exactly.

462
00:20:43,400 --> 00:20:45,719
Speaker 2: Yeah, again going back to the Harris Bowl, do business

463
00:20:45,760 --> 00:20:49,359
Speaker 2: with the companies that have the best reputations. And I

464
00:20:49,359 --> 00:20:51,840
Speaker 2: think we, just as individuals, we underestimate our ability and

465
00:20:51,880 --> 00:20:56,360
Speaker 2: the power that we have, as in this case unfortunately consumers.

466
00:20:56,400 --> 00:20:57,920
Speaker 1: Because businesses what they care about.

467
00:20:57,960 --> 00:21:00,240
Speaker 2: They care about profits, and if you are in acting

468
00:21:00,240 --> 00:21:02,320
Speaker 2: their bottom line and you're deciding to spend your dollars

469
00:21:02,359 --> 00:21:04,520
Speaker 2: elsewhere because of the way that they're treating their customers

470
00:21:04,600 --> 00:21:07,480
Speaker 2: or the products that they are rolling out, well that's

471
00:21:07,520 --> 00:21:09,159
Speaker 2: going to cause them to take a second look at

472
00:21:09,200 --> 00:21:11,840
Speaker 2: what it is that they are deciding to implement in

473
00:21:11,880 --> 00:21:14,720
Speaker 2: their business. By the way, you probably you probably don't

474
00:21:14,720 --> 00:21:17,760
Speaker 2: want to try to repair everything yourself. It's smart to

475
00:21:17,800 --> 00:21:20,719
Speaker 2: know your limitations. Life Hacker, they actually just published an

476
00:21:20,800 --> 00:21:25,040
Speaker 2: article about some different DIY repairs that could kill you.

477
00:21:25,680 --> 00:21:27,879
Speaker 1: We'll make sure to link to that. Yeah, so funny,

478
00:21:27,920 --> 00:21:28,760
Speaker 1: so specific, like.

479
00:21:28,760 --> 00:21:31,359
Speaker 2: When your microwave kind of craps out. Is probably best

480
00:21:31,400 --> 00:21:34,400
Speaker 2: to not and try to repair that one yourself. Evidently

481
00:21:34,440 --> 00:21:38,159
Speaker 2: there's all large amounts of voltage is that continues to

482
00:21:38,160 --> 00:21:40,440
Speaker 2: be stored in it, and it could literally kill you.

483
00:21:40,840 --> 00:21:43,400
Speaker 1: I like doing some DIY stuff electricity, I must stay

484
00:21:43,400 --> 00:21:45,200
Speaker 1: away from anything electrical. Well, yeah, it's.

485
00:21:45,040 --> 00:21:47,320
Speaker 2: Like mistakes are too high. I messing with magic. So

486
00:21:47,720 --> 00:21:50,879
Speaker 2: I repaired so Kate have an old kitchen aid mixer

487
00:21:51,119 --> 00:21:54,159
Speaker 2: back in the day, and I actually successfully repaired it.

488
00:21:54,160 --> 00:21:56,639
Speaker 2: There's a little gear that had to replace, but in

489
00:21:56,680 --> 00:21:59,280
Speaker 2: the process of putting it back together, I plugged it

490
00:21:59,280 --> 00:22:01,160
Speaker 2: back in to make sure that it was I didn't

491
00:22:01,160 --> 00:22:02,439
Speaker 2: want to put it all the way back together and

492
00:22:02,480 --> 00:22:04,160
Speaker 2: realized I didn't do something right. So I was kind

493
00:22:04,160 --> 00:22:06,879
Speaker 2: of like checking it along the way, tested it. It seemed

494
00:22:06,880 --> 00:22:08,720
Speaker 2: like it was working fine. For got to unplug it

495
00:22:08,760 --> 00:22:11,600
Speaker 2: and went to continue to put it back together, and

496
00:22:11,760 --> 00:22:14,760
Speaker 2: I had a screwdriver that touched two metal pieces that

497
00:22:15,000 --> 00:22:17,720
Speaker 2: evidently weren't supposed to come in contact with each other,

498
00:22:17,760 --> 00:22:20,760
Speaker 2: and it basically exploded. It didn't seriously injure me or

499
00:22:20,760 --> 00:22:23,960
Speaker 2: anything like that, but it definitely gave me a fright

500
00:22:24,119 --> 00:22:26,200
Speaker 2: and made me realize that Oh yeah, you don't really

501
00:22:26,320 --> 00:22:28,280
Speaker 2: mess around, Like there's a lot of things that you

502
00:22:28,320 --> 00:22:30,320
Speaker 2: can kind of hack and figure out as.

503
00:22:30,160 --> 00:22:31,520
Speaker 1: You go, and if you screw up, it's not that big

504
00:22:31,560 --> 00:22:31,840
Speaker 1: of a deal.

505
00:22:31,920 --> 00:22:35,600
Speaker 2: Mistakes are pretty low. But man, I totally agree with electricity.

506
00:22:35,640 --> 00:22:36,960
Speaker 2: You need to know what you're doing.

507
00:22:37,119 --> 00:22:39,280
Speaker 1: All for encouraging people to go down the YouTube rabbit hole.

508
00:22:39,280 --> 00:22:41,359
Speaker 1: But yeah, I wouldn't involve something that it might be

509
00:22:41,400 --> 00:22:44,159
Speaker 1: out of your pay grade or there's time to involve

510
00:22:44,200 --> 00:22:47,760
Speaker 1: a professional, especially when it comes to electrical work, I think.

511
00:22:47,840 --> 00:22:50,440
Speaker 1: But Matt, let's move on. Let's talk about streaming and

512
00:22:50,600 --> 00:22:54,119
Speaker 1: the password sharing crackdown, which has finally come. It's been

513
00:22:54,160 --> 00:22:56,760
Speaker 1: kind of hinted at, it's been tested in other countries,

514
00:22:56,960 --> 00:22:58,800
Speaker 1: and it's kind of like when your mom threatened to

515
00:22:58,800 --> 00:23:01,600
Speaker 1: discipline you're growing up, like, shut up back there, I'm

516
00:23:01,600 --> 00:23:04,480
Speaker 1: gonna pull over, and you kept pestering. I don't know

517
00:23:04,520 --> 00:23:07,320
Speaker 1: who this could apply to, certainly not myself. You're certainly

518
00:23:07,320 --> 00:23:09,160
Speaker 1: not thinking back to your own tes, not at all. No,

519
00:23:09,240 --> 00:23:13,440
Speaker 1: I was really the poster child of a good child.

520
00:23:13,520 --> 00:23:15,360
Speaker 1: Is it more picking on your older sister or your

521
00:23:15,359 --> 00:23:18,160
Speaker 1: younger sister both? Both? Oh so much? Yeah, I feel

522
00:23:18,200 --> 00:23:20,760
Speaker 1: bad for them. We're friends now, but yeah, Like, and

523
00:23:20,800 --> 00:23:22,760
Speaker 1: then finally she does say, all right, that's it when

524
00:23:22,800 --> 00:23:24,000
Speaker 1: we're pull it over, and I'm like, no, wa, wait

525
00:23:24,040 --> 00:23:26,320
Speaker 1: a second, I didn't mean to. I'll stop. But Netflix,

526
00:23:26,359 --> 00:23:29,200
Speaker 1: they are finally laying down the hammer on this password sharing,

527
00:23:29,520 --> 00:23:32,320
Speaker 1: and so they're notifying account holders about the new rules

528
00:23:32,600 --> 00:23:35,520
Speaker 1: that prohibit this practice that people have gotten so used to.

529
00:23:35,880 --> 00:23:37,600
Speaker 1: You can still do it, but it's gonna cost you.

530
00:23:37,760 --> 00:23:40,800
Speaker 1: And so if you have the Netflix standard plan, which

531
00:23:40,800 --> 00:23:43,080
Speaker 1: I believe is fifteen ninety nine a month, you can

532
00:23:43,119 --> 00:23:45,520
Speaker 1: share your account with an extra person who doesn't live

533
00:23:45,600 --> 00:23:48,800
Speaker 1: under your roof four an extra seven dollars in ninety

534
00:23:48,880 --> 00:23:51,000
Speaker 1: nine cents a month. That makes it kind of an

535
00:23:51,040 --> 00:23:53,600
Speaker 1: expensive Netflix plan, let's be honest. Yeah, by the way,

536
00:23:53,800 --> 00:23:56,120
Speaker 1: I'm not mad at this. Like, Netflix has every right

537
00:23:56,400 --> 00:23:58,119
Speaker 1: to find a way to get people to pay for

538
00:23:58,160 --> 00:24:00,399
Speaker 1: the content they're viewing. And they used to kind of

539
00:24:00,440 --> 00:24:03,760
Speaker 1: be down with the whole password sharing thing. They're not anymore, right,

540
00:24:03,840 --> 00:24:06,199
Speaker 1: and that's okay for them to change their mind and

541
00:24:06,240 --> 00:24:09,520
Speaker 1: to start charging people for viewing their content. But I

542
00:24:09,560 --> 00:24:12,439
Speaker 1: would say this too, those friction points are the perfect

543
00:24:12,480 --> 00:24:14,200
Speaker 1: time to cancel if you don't feel like you're getting

544
00:24:14,200 --> 00:24:15,800
Speaker 1: your money's worth it, if you're like, wait a second,

545
00:24:16,200 --> 00:24:18,320
Speaker 1: let's just cancel this Netflix account altogether. It made sense

546
00:24:18,320 --> 00:24:19,840
Speaker 1: when I could share it with my sister or something

547
00:24:19,880 --> 00:24:22,120
Speaker 1: like that across the country or on the other side

548
00:24:22,119 --> 00:24:24,760
Speaker 1: of town. And now that we're being forced to pay

549
00:24:25,119 --> 00:24:28,119
Speaker 1: quite a bit more, well, I don't reassess the content

550
00:24:28,160 --> 00:24:30,160
Speaker 1: on Netflix. Is there enough stuff that makes it worse

551
00:24:30,160 --> 00:24:32,720
Speaker 1: subscribing to if not, just get rid of it.

552
00:24:32,800 --> 00:24:37,280
Speaker 2: Yeah, it is time to reevaluate. And as streaming continues

553
00:24:37,320 --> 00:24:39,359
Speaker 2: to get more expensive, it certainly feels like it's starting

554
00:24:39,359 --> 00:24:42,679
Speaker 2: to rival the old cable bill and the massive bundles,

555
00:24:43,000 --> 00:24:45,080
Speaker 2: And so if you're subscribed to all the different streaming

556
00:24:45,080 --> 00:24:48,480
Speaker 2: services out there, it actually might be as expensive and

557
00:24:48,720 --> 00:24:49,560
Speaker 2: go back to cable.

558
00:24:49,600 --> 00:24:51,800
Speaker 1: Oh my gosh, just stop cutting the cord taping it

559
00:24:51,840 --> 00:24:52,320
Speaker 1: back together.

560
00:24:52,359 --> 00:24:54,919
Speaker 2: So well, that's I mean, actually run the numbers, take

561
00:24:54,920 --> 00:24:56,960
Speaker 2: a look at what it costs to stay with the

562
00:24:57,000 --> 00:24:59,960
Speaker 2: major streaming services. For most folks. As long as you

563
00:25:00,080 --> 00:25:02,880
Speaker 2: avoid some of the different premium live options out there

564
00:25:02,880 --> 00:25:07,240
Speaker 2: like YouTube, TV, Sling, DirecTV, they've all got those live packages,

565
00:25:07,600 --> 00:25:10,040
Speaker 2: you'll still be saving money each and every month, most

566
00:25:10,119 --> 00:25:13,800
Speaker 2: likely streaming, it still beats cable in terms of price,

567
00:25:13,840 --> 00:25:16,840
Speaker 2: even though that the numbers they are, they're slowly getting

568
00:25:16,880 --> 00:25:19,920
Speaker 2: closer and closer together by the day. But it sure

569
00:25:20,000 --> 00:25:23,040
Speaker 2: just looked like that streaming was going to kill cable,

570
00:25:23,440 --> 00:25:26,679
Speaker 2: and I'm not sure that that's the case anymore. As

571
00:25:27,480 --> 00:25:30,159
Speaker 2: as cables become more competitive, and as the different streaming

572
00:25:30,160 --> 00:25:32,960
Speaker 2: options providers out there are raising their prices to be

573
00:25:33,200 --> 00:25:34,680
Speaker 2: competitive with each other, there's.

574
00:25:34,560 --> 00:25:36,320
Speaker 1: Just more and more of them. And then in addition

575
00:25:36,359 --> 00:25:38,119
Speaker 1: to that, the prices keep going up on them, and

576
00:25:38,240 --> 00:25:40,640
Speaker 1: especially like you said, on the live streaming ones, they're

577
00:25:40,680 --> 00:25:43,439
Speaker 1: really expensive sixty five seventy five dollars a month for

578
00:25:43,480 --> 00:25:45,480
Speaker 1: those things. So if you have that in addition to

579
00:25:45,520 --> 00:25:48,000
Speaker 1: Netflix that you share with somebody, and maybe Apple TV

580
00:25:48,040 --> 00:25:50,040
Speaker 1: Plus and you just like factor all these things in,

581
00:25:50,160 --> 00:25:52,800
Speaker 1: it starts to resemble what cable used to cost. And

582
00:25:52,840 --> 00:25:56,520
Speaker 1: so I think for a lot of people, For some people,

583
00:25:56,600 --> 00:25:58,920
Speaker 1: cable might make more sense. Just add up the numbers though,

584
00:25:58,920 --> 00:26:00,520
Speaker 1: and take a look. If they're there is an awesome

585
00:26:00,520 --> 00:26:02,840
Speaker 1: promotion in your area, you might say, ah, I'm done

586
00:26:02,840 --> 00:26:04,679
Speaker 1: with streaming, I'm going back to cable. But for a

587
00:26:04,680 --> 00:26:07,439
Speaker 1: lot of people. That's probably not best, and it's the

588
00:26:07,440 --> 00:26:08,800
Speaker 1: best thing to do would just be to cut a

589
00:26:08,840 --> 00:26:12,320
Speaker 1: streaming service or three out of your life. Although interestingly enough,

590
00:26:12,359 --> 00:26:15,840
Speaker 1: there is another new streaming service. Comcast just launched launched

591
00:26:15,920 --> 00:26:18,440
Speaker 1: a new package, and it's actually pretty decent. It's called

592
00:26:18,440 --> 00:26:21,000
Speaker 1: Comcast Now and it's twenty bucks a month. It comes

593
00:26:21,040 --> 00:26:24,320
Speaker 1: with sixty plus streaming channels and Peacock Premium included. It's

594
00:26:24,359 --> 00:26:26,080
Speaker 1: not my cup of Team mat because I don't I

595
00:26:26,080 --> 00:26:28,200
Speaker 1: don't really do any live TV in any way, form

596
00:26:28,280 --> 00:26:31,240
Speaker 1: or fashion. But I think this is a non sports

597
00:26:31,320 --> 00:26:34,320
Speaker 1: Apple Plus for the MLS soccer, right, we split? We

598
00:26:34,359 --> 00:26:36,480
Speaker 1: split that. Speaking of password sharing, you and I split

599
00:26:36,520 --> 00:26:38,439
Speaker 1: Apple TV Plus in the in the MLS as long

600
00:26:38,480 --> 00:26:40,480
Speaker 1: as they let us, that's right, they be too much longer.

601
00:26:40,480 --> 00:26:43,040
Speaker 1: If they stop, then we'll probably stop watching soccer. But

602
00:26:43,359 --> 00:26:46,040
Speaker 1: you know, for some folks who who love the nonsports

603
00:26:46,080 --> 00:26:48,679
Speaker 1: oriented cable channels, this option can make a whole lot

604
00:26:48,720 --> 00:26:51,440
Speaker 1: of sense. Take a look, you know. And by the way,

605
00:26:51,440 --> 00:26:53,679
Speaker 1: don't forget about the channels you can snag just from

606
00:26:53,720 --> 00:26:56,600
Speaker 1: an antenna for free over the air. I've got one

607
00:26:56,600 --> 00:26:58,600
Speaker 1: of those and I rarely use it. I'll watch it.

608
00:26:58,760 --> 00:27:00,480
Speaker 1: I'll use it to watch sports on a cab matt

609
00:27:00,760 --> 00:27:04,119
Speaker 1: like like the super Bowl or the World Series or

610
00:27:04,119 --> 00:27:06,480
Speaker 1: maybe the Olympics something like that. But every time I

611
00:27:06,600 --> 00:27:10,119
Speaker 1: check the antenna to see what's what kind of like

612
00:27:10,320 --> 00:27:12,880
Speaker 1: channels I'm getting, I'm shocked to see just how many

613
00:27:12,960 --> 00:27:15,159
Speaker 1: live TV options I get. So for those of you

614
00:27:15,200 --> 00:27:16,960
Speaker 1: who are less discerning about what you watch and you

615
00:27:17,000 --> 00:27:19,480
Speaker 1: just want access to a bunch of channels, antenna's actually

616
00:27:19,560 --> 00:27:21,440
Speaker 1: give you a lot more than you might have thought.

617
00:27:21,480 --> 00:27:24,359
Speaker 2: So and like the newer TVs they asked, I mean,

618
00:27:24,400 --> 00:27:25,960
Speaker 2: I don't know what it is too. So like we've

619
00:27:25,960 --> 00:27:28,200
Speaker 2: got the you know, with the Samsung frames or whatever,

620
00:27:28,240 --> 00:27:30,879
Speaker 2: and they've got this special box that you plug into

621
00:27:31,240 --> 00:27:33,680
Speaker 2: that is where you plug in all the HDMI kind

622
00:27:33,720 --> 00:27:35,719
Speaker 2: of stuff if you want to hook up a gaming system,

623
00:27:35,720 --> 00:27:37,800
Speaker 2: that kind of thing. But it's got I guess it's

624
00:27:37,840 --> 00:27:40,280
Speaker 2: kind of an Intendna built into it or something like that.

625
00:27:40,320 --> 00:27:45,560
Speaker 2: But we get an incredible amounts of additional channels including well,

626
00:27:45,680 --> 00:27:48,760
Speaker 2: it's funny, ever since we had Frankie Selenza on, Yeah,

627
00:27:48,880 --> 00:27:50,600
Speaker 2: we always so when you turn the thing on the

628
00:27:50,640 --> 00:27:53,119
Speaker 2: TV on, it always defaults to some of the different

629
00:27:53,160 --> 00:27:54,679
Speaker 2: TV channels, and so we've.

630
00:27:54,560 --> 00:27:58,040
Speaker 1: Got a set to Taste made, which is where Frankie's show.

631
00:27:58,359 --> 00:28:00,200
Speaker 1: He's on there all the time, by the way, well

632
00:28:01,040 --> 00:28:01,639
Speaker 1: he is, he is.

633
00:28:01,720 --> 00:28:02,960
Speaker 2: It's just kind of fun to be like, oh man,

634
00:28:02,960 --> 00:28:05,280
Speaker 2: there there is again on TV. I wanted to talk

635
00:28:05,280 --> 00:28:09,159
Speaker 2: about travel because folks are downgrading their travel plans as

636
00:28:09,240 --> 00:28:13,840
Speaker 2: inflation continues to rip through that industry. Folks are They're

637
00:28:13,840 --> 00:28:16,840
Speaker 2: still taking trips, right, but they're just cutting back wherever

638
00:28:16,880 --> 00:28:20,080
Speaker 2: they can, which makes sense. I actually like this approach.

639
00:28:20,480 --> 00:28:22,440
Speaker 2: Don't cancel your trip, just find a way to take

640
00:28:22,440 --> 00:28:25,320
Speaker 2: that same trip or you know, a similar trip for

641
00:28:25,440 --> 00:28:28,000
Speaker 2: less money. So some of the changes that folks are

642
00:28:28,040 --> 00:28:31,720
Speaker 2: making is maybe driving instead of flying, because depending on

643
00:28:31,760 --> 00:28:34,960
Speaker 2: the destination, depending on the number of travelers, the number

644
00:28:35,000 --> 00:28:37,639
Speaker 2: of folks, number of kids you have. In my case,

645
00:28:37,920 --> 00:28:40,720
Speaker 2: this can save a ton of money packing six people

646
00:28:40,760 --> 00:28:43,600
Speaker 2: into a van instead of paying four or six plane takes.

647
00:28:43,720 --> 00:28:45,480
Speaker 1: You guys are going to Michigan this summer, It sure

648
00:28:45,560 --> 00:28:47,480
Speaker 1: be a heck of a lot quicker to fly, guess,

649
00:28:47,600 --> 00:28:48,840
Speaker 1: but we drive it.

650
00:28:48,920 --> 00:28:50,840
Speaker 2: You're driving, Oh you know we are, and we're gonna

651
00:28:50,840 --> 00:28:52,680
Speaker 2: be able to save a bundle, even if it means

652
00:28:52,720 --> 00:28:54,760
Speaker 2: that it takes a little bit longer, but other folks

653
00:28:54,800 --> 00:28:58,120
Speaker 2: out there, they're changing the destination, which is another great option.

654
00:28:58,400 --> 00:29:01,920
Speaker 2: So you know, you might be long hung for the cool, calm,

655
00:29:01,960 --> 00:29:04,520
Speaker 2: blue waters of the Caribbean, but maybe instead you're looking

656
00:29:04,560 --> 00:29:06,560
Speaker 2: at the coast of Alabama or Florida.

657
00:29:06,840 --> 00:29:07,640
Speaker 1: That might have to do.

658
00:29:07,840 --> 00:29:10,400
Speaker 2: Actually, I think I saw that there's a Saint George's

659
00:29:10,400 --> 00:29:13,840
Speaker 2: Island got named like best beach in the entire country recently,

660
00:29:14,080 --> 00:29:16,280
Speaker 2: nice and some sort of like beach ranking.

661
00:29:16,320 --> 00:29:18,320
Speaker 1: I've never even heard of that place, but added it

662
00:29:18,320 --> 00:29:19,800
Speaker 1: to my short list. Check that out.

663
00:29:19,840 --> 00:29:22,280
Speaker 2: But demand it doesn't seem to be relenting when it

664
00:29:22,320 --> 00:29:24,920
Speaker 2: comes to travel, and you know you might be waiting

665
00:29:24,960 --> 00:29:28,760
Speaker 2: a while if you're looking to postpone that vacation until

666
00:29:28,760 --> 00:29:32,320
Speaker 2: prices get more affordable. So we think the key is

667
00:29:32,360 --> 00:29:35,360
Speaker 2: to make changes that that's going to actually lower the

668
00:29:35,440 --> 00:29:38,320
Speaker 2: overall price so you can still get away, still take

669
00:29:38,320 --> 00:29:41,800
Speaker 2: that break. We are absolutely willing to encourage folks to

670
00:29:41,840 --> 00:29:45,000
Speaker 2: take time off work. Don't let price be a barrier

671
00:29:45,080 --> 00:29:47,400
Speaker 2: to getting some quality time with your family and friends.

672
00:29:47,680 --> 00:29:49,000
Speaker 2: Just find a way to do it more affordably.

673
00:29:49,040 --> 00:29:52,600
Speaker 1: Yeah, use your vacation days right, Yes, and just do

674
00:29:52,680 --> 00:29:53,880
Speaker 1: it in a way that's not going to cost you

675
00:29:53,880 --> 00:29:55,600
Speaker 1: as much. Okay, Yeah, and hopefully we're gonna be doing

676
00:29:55,600 --> 00:29:57,520
Speaker 1: that the summer. Taking taking some time off for sure.

677
00:29:57,600 --> 00:30:00,560
Speaker 1: Sometimes staycations are nice, but lots of time you want

678
00:30:00,560 --> 00:30:03,440
Speaker 1: to get out of there, You want to change the scenery,

679
00:30:03,480 --> 00:30:05,800
Speaker 1: and I get that. Like, so don't avoid it, but

680
00:30:05,880 --> 00:30:08,480
Speaker 1: find ways to do it on a dime. Maybe maybe

681
00:30:08,560 --> 00:30:10,239
Speaker 1: pack the tents up in the car or something like that.

682
00:30:10,480 --> 00:30:12,719
Speaker 1: Some do some tent camping whatever. I mean, there's all

683
00:30:12,760 --> 00:30:15,400
Speaker 1: sorts of ways to be able to take that trip

684
00:30:15,640 --> 00:30:19,160
Speaker 1: without breaking the bank. And Matt, this is basically one

685
00:30:19,200 --> 00:30:22,000
Speaker 1: of the worst times to travel. Memorial Day weekend. There's

686
00:30:22,000 --> 00:30:23,720
Speaker 1: gonna be a lot of folk, especially on the road.

687
00:30:23,600 --> 00:30:27,320
Speaker 2: So schools out, everyone wants to leave town. Yeah, I

688
00:30:27,320 --> 00:30:28,280
Speaker 2: think status, I get it.

689
00:30:28,560 --> 00:30:31,040
Speaker 1: Forty two million Americans statuhow are going to be gonna

690
00:30:31,040 --> 00:30:33,640
Speaker 1: be traveling this weekend. So yeah, for everyone out there driving,

691
00:30:34,040 --> 00:30:36,040
Speaker 1: fortunate gas prices are lower. I guess that's the bright

692
00:30:36,080 --> 00:30:38,560
Speaker 1: side this year than they were last year. But we

693
00:30:38,600 --> 00:30:40,240
Speaker 1: hope you travel safely. You hope you have a good,

694
00:30:40,320 --> 00:30:42,920
Speaker 1: good weekend with friends and family. Hope it's RESTful. And

695
00:30:43,040 --> 00:30:45,240
Speaker 1: I hope you're not stuck in traffic for too long.

696
00:30:45,040 --> 00:30:47,400
Speaker 2: And you probably are if it's between the hours of

697
00:30:47,440 --> 00:30:51,480
Speaker 2: three and six PM, because evidently that's the absolute worst

698
00:30:51,480 --> 00:30:53,280
Speaker 2: time to be on the road. So if you're listening

699
00:30:53,320 --> 00:30:55,600
Speaker 2: to this right after the kids get out of school, yeah, exactly,

700
00:30:55,600 --> 00:30:57,000
Speaker 2: it's like, all right, the car is going to be

701
00:30:57,040 --> 00:30:58,440
Speaker 2: packed up, we'll pick you up and we're going to

702
00:30:58,520 --> 00:31:01,040
Speaker 2: hit the road. That's what You're not the only one

703
00:31:01,040 --> 00:31:02,920
Speaker 2: that's got that idea, right, So if you're listening to

704
00:31:03,000 --> 00:31:05,080
Speaker 2: this early on, try to get out the door maybe

705
00:31:05,080 --> 00:31:07,680
Speaker 2: a little bit sooner, or you can tell everybody else

706
00:31:07,720 --> 00:31:08,840
Speaker 2: to be like, hey, we'll get through that night.

707
00:31:08,880 --> 00:31:11,680
Speaker 1: We're gonna we're gonna get dinner in town and then

708
00:31:11,720 --> 00:31:12,880
Speaker 1: we'll hit the road. Exactly.

709
00:31:12,960 --> 00:31:16,840
Speaker 2: And actually I saw that Saturday and Sunday. Evidently it's

710
00:31:16,880 --> 00:31:20,160
Speaker 2: totally fine because nobody likes to actually travel in the

711
00:31:20,160 --> 00:31:21,840
Speaker 2: middle of Memorial Day week.

712
00:31:22,040 --> 00:31:23,479
Speaker 1: That's what we're doing. We're gonna be hiting the road

713
00:31:23,520 --> 00:31:24,000
Speaker 1: on Saturday.

714
00:31:24,040 --> 00:31:27,800
Speaker 2: But regardless, we hope that you have a fantastic weekend.

715
00:31:28,080 --> 00:31:30,560
Speaker 2: We'll make sure to link to any of the different resources,

716
00:31:30,560 --> 00:31:32,240
Speaker 2: some of the different things we've talked about today. In

717
00:31:32,280 --> 00:31:34,360
Speaker 2: our show notes up on the website at how tomoney

718
00:31:34,400 --> 00:31:36,720
Speaker 2: dot com. But Joel, that's gonna be it for this one, buddy,

719
00:31:36,840 --> 00:31:40,320
Speaker 2: Until next time, best friends Out, Best Friends Out,