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Speaker 1: Welcome to How to Money. I'm Joel and I'm not

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Speaker 1: and today we're talking about the why behind money. Today

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Speaker 1: on the show, we're going to talk about how to

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Speaker 1: implement your values into your spending. So Joel, let's give

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Speaker 1: our listeners some updates on Airbnb. So folks, y'all might

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Speaker 1: remember our our Airbnb episode where we talked about was

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Speaker 1: it episode three? I think so yeah, early on. And

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Speaker 1: do you want to go first with sort of where

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Speaker 1: you guys are with the airstream? I will because mine sadder,

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Speaker 1: so I don't want to play slightly shorter story. I

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Speaker 1: found the perfect airstream on this awesome website airstream classifies

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Speaker 1: dot com. You don't bump people out, man, they don't.

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Speaker 1: I don't want to listeners else. It was the prettiest

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Speaker 1: thing ever in it was. It was an airstream margacy,

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Speaker 1: which is the argassees are the old the ones that

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Speaker 1: were painted. Most of the air streams you think of

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Speaker 1: are those like metal glistening, beautiful stain in the steel

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Speaker 1: or aluminum. Yeah, that look and they're awesome, but so

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Speaker 1: that I really like the painted ones, the argaseas that

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Speaker 1: were around from like nineteen seventy two to nineteen seventy eight.

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Speaker 1: So I found this awesome one that was about five

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Speaker 1: or six hours away from where I live, and I

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Speaker 1: was like literally about to hop in the car. I

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Speaker 1: was gonna go down there, but I didn't. And so

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Speaker 1: here's all the folks can see your face. You're like

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Speaker 1: you're torn between like, yeah, you're sad, but you're you're

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Speaker 1: I mean you're happy, like you're glad you didn't do it.

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Speaker 1: In the end, it's the right move, Yeah, it's the

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Speaker 1: right move, but I also see the pain in your face. Yes,

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Speaker 1: it's it's sad because it's something I talked about. It's

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Speaker 1: something I'm really interested in doing, and I still think

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Speaker 1: I will at some point. But here's the reason why

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Speaker 1: I didn't. I ended up having a long phone conversation

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Speaker 1: with my friend David, and he lives probably you know,

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Speaker 1: five or six miles away from where I live and

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Speaker 1: rents out almost the exact same kind of trailer and right, yeah,

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Speaker 1: so he's been doing it for years now and has

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Speaker 1: like he's like an Airbnb SuperHost, has all these great reviews.

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Speaker 1: David is single, no kids, and owns his own business,

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Speaker 1: so he's pretty flexible. And I talked to him for

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Speaker 1: you know, a good long time about his experience, how

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Speaker 1: it's been for him, and kind of what I could

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Speaker 1: expect if I were to get into this, and he

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Speaker 1: really kind of helped me understand that, especially with something

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Speaker 1: like an airstream in your backyard versus like, uh, a

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Speaker 1: basement apartment or something like that, there's a lot more

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Speaker 1: like hand holding and you know, meeting the people that

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Speaker 1: are staying in your place like you just you actually

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Speaker 1: need to be there for it, and you need to

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Speaker 1: introduce yourself to him. And he talked about how essentially

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Speaker 1: the experience was incredibly different if he wasn't able to

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Speaker 1: meet the guests that was staying there, and so that

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Speaker 1: they would once they shook your hand and you got

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Speaker 1: to know a couple of details about each other. They

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Speaker 1: treated his place like a palace. But if you wasn't

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Speaker 1: able to be there, people smoked in it, and um,

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Speaker 1: there's there's just so many things that can go wrong, uh,

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Speaker 1: that you have to pay attention to on a trailer

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Speaker 1: that sits in your backyard a lot more than a

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Speaker 1: part of your house. And so talking to him and

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Speaker 1: getting all those details, it really helped me think through

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Speaker 1: you know what I think, with a full time job

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Speaker 1: with two kids, with a awful podcast, that's just terrible

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Speaker 1: that no one likes, uh that poor. There's just no

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Speaker 1: time in my life to dedicate towards and I think,

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Speaker 1: you know, if it was like a basement apartment, we

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Speaker 1: could maybe set up some systems and figure some things out.

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Speaker 1: But with all the extra attention that something that sits

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Speaker 1: in your backyard requires, not to mention, just getting it ready,

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Speaker 1: which I was excited about, but and I was also

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Speaker 1: excited about meeting the guests, so that was part of

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Speaker 1: the fun talking to folks. But lots of times check

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Speaker 1: in is between noon and three pm or something like that,

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Speaker 1: So it's just tough to make that happen when when

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Speaker 1: you have a day job. So for right now, my

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Speaker 1: airstream dream putting on hold. But someday I will resurrect

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Speaker 1: it from the ashes like a phoenix and it will happen. Yeah,

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Speaker 1: I hadn't thought about how it might be different with

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Speaker 1: it being specifically an airstream. I guess folks aren't used

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Speaker 1: to staying in an air stream, and so there's things

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Speaker 1: where they're like, well, how does this work? Or where

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Speaker 1: do I put my sheets. I don't know. I don't know,

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Speaker 1: I don't something that sounds a little like sheets. Yeah,

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Speaker 1: but push this button, does it disappear exactly? Does it

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Speaker 1: just end up on the ground outside? A lot of

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Speaker 1: questions to answer. Yeah, So I had thought about that,

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Speaker 1: But I guess that is a little bit different than

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Speaker 1: kind of setting up the basement apartment, which is what

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Speaker 1: we're looking at doing. And that was sort of our yea,

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Speaker 1: our approach, our angle. I was gonna say, when we

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Speaker 1: first recorded, I was like on the yes side, and

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Speaker 1: I like, you know, I put on the brakes, and

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Speaker 1: you were like, I don't know, man, Man, we weren't

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Speaker 1: We weren't sold on it, you know, Like Kate and I.

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Speaker 1: We talked about it some. We had briefly talked through

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Speaker 1: some of the different pros and cons of it, but

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Speaker 1: we hadn't really sat down and thought through the logistics

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Speaker 1: of it, I guess, and I don't know. That mean,

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Speaker 1: the more we did it, the more we realized that

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Speaker 1: we could do that, you know, And so the same

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Speaker 1: things I guess that you realized we're going to be

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Speaker 1: a problem for you. Um, we realized that that wasn't

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Speaker 1: gonna be an issue for us. You know, with me

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Speaker 1: being self employed, being at home, I've got flexible hours.

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Speaker 1: I'm more than happy to be able to meet some

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Speaker 1: guests that that stop in and showing the place and

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Speaker 1: hand the keys over, you know. So yeah, the more

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Speaker 1: we talked about it, the more we realized that this

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Speaker 1: could very well be something that would work for us.

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Speaker 1: So your plan has also changed a little bit because

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Speaker 1: when we first talked about it, you know, yeah, we're

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Speaker 1: essentially talking about doing it by hand and digging, yeah, digging,

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Speaker 1: digging it out. I mean you were essentially talking about

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Speaker 1: taking your own trouble down underneath the house, clearing out

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Speaker 1: the dirt, making some headspace, because right now there's there's

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Speaker 1: not a lot of room down there. So how have

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Speaker 1: your plans changed? Okay, So here's the big reason why

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Speaker 1: that was the case then, because for the photography that

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Speaker 1: I do, it was off season, which means I had

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Speaker 1: all the time on my hands at that point, and

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Speaker 1: thinking through I'm like, oh, yeah, I found that I

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Speaker 1: don't look more than three months ahead sometimes and I'm like, oh,

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Speaker 1: I'm gonna have this much time for the rest of

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Speaker 1: my life, right, And it's like, no, that only lasted

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Speaker 1: for like a few weeks before because the season ramped

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Speaker 1: up for me and I realized that my time is

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Speaker 1: incredibly valuable and I want to spend it with my

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Speaker 1: three girls and my wife and my dog and working

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Speaker 1: on this awful podcast that we have. So it has changed,

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Speaker 1: and after talking about it with Kate, we also realized

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Speaker 1: that a way that we could sort of approach this

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Speaker 1: would be essentially adding on a small section to the

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Speaker 1: back of our house. So instead of sort of excavating

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Speaker 1: out from underneath of our existing house, we would be

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Speaker 1: digging out on the exterior of our home and then

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Speaker 1: sort of building over that where we're gonna put a

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Speaker 1: screen in porch. It's gonna be much easier, it's gonna

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Speaker 1: make a lot more sense, and it's gonna give us

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Speaker 1: a lot more space in the airbnb as well down there,

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Speaker 1: which is something we were kind of concerned about from

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Speaker 1: the beginning, and that we were able to kind of

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Speaker 1: solve that problem by sort of changing up the plans. So, yeah,

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Speaker 1: I don't want to dive into the detail us anymore

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Speaker 1: than this, but essentially we're moving forward. Man, We've got this.

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Speaker 1: This is a bigger project though, because the scope is

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Speaker 1: kind of gotten bigger. It is going to require some financing,

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Speaker 1: and so I've got that lined up with our credit

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Speaker 1: union here in town. Super low closing costs, I mean

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Speaker 1: like a few hundred bucks. Actually it was really cheap. Nice, uh,

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Speaker 1: I mean we've got a great rate and we've got Yes,

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Speaker 1: we've got our financing lockdown, and we're in talks now

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Speaker 1: with an architect and we are waiting to get those

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Speaker 1: drawings back before we basically get those out to us

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Speaker 1: start having builders bid on it. So man, we're pumped.

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Speaker 1: I don't want to say we're like for sure moving forward,

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Speaker 1: but we were like really close. So we got some

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Speaker 1: ballpark figures as well, and yeah, it's gonna fall within

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Speaker 1: the range that we're that's gonna work for us, and

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Speaker 1: we're gonna still be able to get a good r

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Speaker 1: o I with the amount of money that we're gonna

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Speaker 1: put into it, and your house will be worth more. So,

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Speaker 1: I mean, I think gonna increase the value of our home.

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Speaker 1: And without going into any more details, were slightly increasing

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Speaker 1: the usability of our house. Well, I think the one

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Speaker 1: thing that I'm gonna miss the most, and I have

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Speaker 1: a dream that's gonna die as you as you've partake

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Speaker 1: in this, Matt, and that's you have this hot tub

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Speaker 1: on your back deck right now, and the hot tub's

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Speaker 1: gotta go. I've I've actually gonna be gone. Man. I've

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Speaker 1: started a petition, uh in the neighborhood to try to

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Speaker 1: get you to make it a functioning hot tub, because

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Speaker 1: right now it's been since you about the house that's

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Speaker 1: been sitting there and not working. Um, And so I've

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Speaker 1: got a petition started. Are welcome to take that had

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Speaker 1: a lot of signatures and uh no, I wanted to

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Speaker 1: be on your porch and I just want to use it.

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Speaker 1: You you yeah, you fill it up with your water, buddy,

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Speaker 1: and uh you can be the one out there cleaning

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Speaker 1: it and testing the chemicals and doing all that. See,

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Speaker 1: that's what I'm trying to avoid. So no hot tub

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Speaker 1: for me, sadly, and no more hot tub for Matt.

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Speaker 1: By the way, if anybody out there wants a free

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Speaker 1: hot tub, hit me up. We'll give you my address

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Speaker 1: at not Poor Matt on Twitter. Holler Adam, it's all yours.

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Speaker 1: Beer time. Let's let's move on. I'm so thirsty, Yeah,

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Speaker 1: are you really? I am too? Man, I'm like, really,

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Speaker 1: my my mouth is crazy dry. I'm really thirsty, but

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Speaker 1: we're gonna drink these not for water, for beer. So

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Speaker 1: today we thought we would break open a beer that

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Speaker 1: literally probably every single person listening to this I don't know.

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Speaker 1: Actually we we did get an email from someone in Budapest,

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Speaker 1: and I don't know if they get this beer. So

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Speaker 1: we have a listener in Budapest who who's already emailed

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Speaker 1: us about um, some of the beers he's drinking. And

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Speaker 1: I don't know if you get this beer there, but

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Speaker 1: anybody else who lives in the continental United States, you

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Speaker 1: probably have access to this beer. It is the New

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Speaker 1: Belgium Voodoo Ranger Juicy Hayes I p A. Yeah, so

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Speaker 1: the Voodoo Ranger line, it's essentially a new series. It's

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Speaker 1: like a new line of I pas that New Belgium

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Speaker 1: rolled out. For a while there they just had Ranger,

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Speaker 1: but then they took it at to you know, three

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Speaker 1: point oh, and now they've got Voodoo Ranger and it's

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Speaker 1: a whole new line of of awesome I pas. And

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Speaker 1: this one, in particular is a New England style I

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Speaker 1: p A. If you can't tell from the name, Juicy

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Speaker 1: Hayes I p A they've got like all the all

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Speaker 1: the catchphrases that folks are looking for New England style

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Speaker 1: so hot right now. Yeah, so I'm really pumped about this.

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Speaker 1: It's like you said, the New England style I p

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Speaker 1: A is like a craze, a full on craze right now.

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Speaker 1: And there's a great article that will post in the

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Speaker 1: show notes about these bigger brewers like Jumping on Board

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Speaker 1: and so New Belgium, Sam Adams, Sierra Nevada, they've all

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Speaker 1: kind of launched their own I p A in this

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Speaker 1: New England style and so we'll we'll pust a link

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Speaker 1: to that article. It was just interesting to read. Yeah,

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Speaker 1: basically just how it's going mainstream now right and and

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Speaker 1: some folks will be like time to move on. It's

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Speaker 1: like now that the big guys are getting behind it,

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Speaker 1: it must you know, must suck now. But no, look

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Speaker 1: for for us, we were just get excited about that

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Speaker 1: because that's value. You know. Once the big guys started

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Speaker 1: getting getting in there and they're able to perfect the

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Speaker 1: you know, these recipes and these beers and sort of

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Speaker 1: mass produce them, now everybody gets to have an awesome

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Speaker 1: I p A that's juicy, way easier to drink than

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Speaker 1: some of the traditional I PASS like the West Coast

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Speaker 1: I p s for sure, that are crazy bitter and

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Speaker 1: have a lot of a lot of bites to them.

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Speaker 1: Like guys that don't really like I p a s.

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Speaker 1: Give this one a shot. My start with a yeah,

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Speaker 1: New England style juicy Hayes I p A. And the

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Speaker 1: great thing is, I mean, well, I don't think they're

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Speaker 1: gonna be as good as something like Bissell Brothers or Trillium,

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Speaker 1: the guys that have been doing it for years now

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Speaker 1: and have like just crushed and we've had some of

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Speaker 1: their beers and they're absolutely fantastic, or some of the

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Speaker 1: breweries out of Vermont that really kind of started this

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Speaker 1: this craze. But eight dollars for a six pack, Yeah, yeah,

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Speaker 1: So I picked this up at well in the southeast

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Speaker 1: we have Kroger, but I'm assuming you can probably get

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Speaker 1: in a lot of places. But it was on sale

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Speaker 1: so normally and they had it for seven ninety nine.

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Speaker 1: That's amazing. Yeah, eight bucks for a six pack. And

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Speaker 1: I don't know if it's because they're trying to get

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Speaker 1: it launched, well, you know, just so it gets out

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Speaker 1: there and folks are able to get their hands on

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Speaker 1: and start tasting it. But that's an incredible price I

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Speaker 1: could Yeah, I picked up two two six packs. Well,

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Speaker 1: going back, yeah, and going back to episode eight, you

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Speaker 1: know how to get a deal on craft beer, Like

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Speaker 1: we're we we truly think that some of these there's

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Speaker 1: some really good nationwide breweries and New Belgium is one

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Speaker 1: of them. Uh and so yeah, we need to drink

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Speaker 1: this beer right now, do it? I'm thirsties. Look at that,

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Speaker 1: poor man. It's not quite like full on orange juice

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Speaker 1: like some of those ones out of Vermont, but it

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Speaker 1: looks quite orangey. It's awesome. You can't like, I'm holding

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Speaker 1: my glass and I can't see my fingers through it,

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Speaker 1: which I really like. Yeah, that's a good sign. So

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Speaker 1: that's a characteristic of the style is that it's hazy,

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Speaker 1: which means it's unfiltered. So it's got a lot of

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Speaker 1: those particulate uh, floating around of the beer. But it

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Speaker 1: gives it gives it some some awesome flavor. I think

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Speaker 1: usually when you filter a beer, you filter some of

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Speaker 1: the taste out at the same time, and maybe you

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Speaker 1: give it this certain look and the certain quality that

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Speaker 1: you want clarity that is traditional, but you're missing out

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Speaker 1: on some of those flavors. And so that's kind of

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Speaker 1: one of the things that the New England Style has

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Speaker 1: introduced is you know, let's not filter our beer and

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Speaker 1: let's kind of see what happens. And it does seem

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Speaker 1: to retain a more concentrated flavor than an I PA

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Speaker 1: that's filtered. It's real nice, man. It goes down easy,

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Speaker 1: almost goes down too easy. Yeah, it's really creamy. Even

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Speaker 1: most of like the great New England Style i pas

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Speaker 1: retained some of that hot bite, like you need like

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Speaker 1: some bite to it, and this is like just fluid

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Speaker 1: juice almost. It's really good and I can tell that,

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Speaker 1: you know, they did a good job making it. But

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Speaker 1: this is like an element of what I love about

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Speaker 1: I p a s. It feels a little light to me,

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Speaker 1: and I'm just like expecting just something a little bit bigger.

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Speaker 1: I kind of like to be socked in the face

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Speaker 1: with something like this. But for eight bucks of six pack,

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Speaker 1: if you're looking for an introduction to the style, then

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Speaker 1: I mean, I'd say pick this up because it is

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Speaker 1: really solid. I think I would drink this though over

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Speaker 1: say most any other New Belgium beers. Right now, you know, Yes,

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Speaker 1: I agree. Yeah, if I'm gonna pick up a New

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Speaker 1: Belgian or just sort of a daily drinker like that, man,

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Speaker 1: I'm totally gonna pick us up. I think it's great.

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Speaker 1: I agree, and I think to like you and I

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Speaker 1: both just really like this style. So the ability to

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Speaker 1: find somebody making essentially, you know, something in this vein

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Speaker 1: for eight bucks to six pack. Yeah, I think I'm

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Speaker 1: willing to take a little bit lesser quality for an

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Speaker 1: eight dollar six pack because a lot of the people

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Speaker 1: that are putting just tons and tons and tons of

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Speaker 1: hops into these New England style i p as, they

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Speaker 1: have to charge you know, fourteen fifteen, sixteen dollars, you know,

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Speaker 1: for a six pack, and so they're just really prohibitively expensive.

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Speaker 1: So yeah, I agree, I think this one's a worthwhile

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Speaker 1: get solid beer, all right, Matt. Today the topic the

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Speaker 1: why behind money, And to me, this is such an

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Speaker 1: important thing to talk about. I think most people don't

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Speaker 1: slow down long enough to think about the question of

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Speaker 1: why behind, why they save and why they spend their money. Uh,

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Speaker 1: and so their money just becomes allocated randomly to all

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Speaker 1: these different places. And today we're going to focus on

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Speaker 1: how to figure out the why behind your money so

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Speaker 1: that you can prioritize your spending so that it actually

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Speaker 1: reflects what you want out of life. Chedule. I'm excited

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Speaker 1: about talking about this one as well. I think talking

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Speaker 1: about the why behind what what we're gonna do is

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Speaker 1: very important. You know, a lot of what we talk

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Speaker 1: about are the nuts and bolts, the very practical things

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Speaker 1: like how to do this, how to do that. But

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Speaker 1: it's very important to know the why behind almost you know,

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Speaker 1: pretty much everything that you do. And for some people,

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Speaker 1: I think that comes a little bit easier and they

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Speaker 1: kind of have a mission and they kind of can

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Speaker 1: hit that and and run with it. But um, I

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Speaker 1: think some folks do. It's important to talk through the

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Speaker 1: why and to help people to know how to address that,

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Speaker 1: just like we would help folks think through how to

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Speaker 1: even just like improve their credit score things like that. Yeah.

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Speaker 1: I think of the question of the why of money

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Speaker 1: almost like a fundamental It's almost like shooting pretty throws

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Speaker 1: over and over and over to get good at it.

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Speaker 1: There's something about this, like repetitively thinking about this and

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Speaker 1: and having this kind of in the back of your mind, uh,

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Speaker 1: and doing some intentional thought about it over time. Uh,

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Speaker 1: because I just remember when so the way I grew

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Speaker 1: up with money, Um, my parents awesome people, they weren't

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Speaker 1: great with money. And so I learned growing up that

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Speaker 1: I wanted to approach money differently. But it kind of

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Speaker 1: led me to being like a tight wad and uh

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Speaker 1: and super frugal. I didn't know how to use money. Well,

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Speaker 1: it really took me sitting down and being incredibly thoughtful

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Speaker 1: about what I wanted my life to look like and

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Speaker 1: how money intersected that. And so once I did that,

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Speaker 1: once I sat down and really kind of put out

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Speaker 1: my life goals and saw how to apportion my money

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Speaker 1: to make those things a reality, it really helped clear

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Speaker 1: up my relationship with money. It wasn't like money is

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Speaker 1: a scary thing or money is this is this thing

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Speaker 1: that I just need to amass like a ridiculous amount

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Speaker 1: of It became this easy way to kind of unify

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Speaker 1: my whole life. Well, these are things I enjoyed, and

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Speaker 1: here's how money can kind of is a part of that,

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Speaker 1: and it helps me achieve what I ultimately want. Um.

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Speaker 1: Without doing that, though, I think I would still be

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Speaker 1: this just ridiculously frugal, not generous person with an awkward

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Speaker 1: attachment to money as opposed to like a well thought through,

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Speaker 1: fruitful attachment to money. Yeah you have more, You have

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Speaker 1: more like the Uncle Scrooge miserly approached to it right,

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Speaker 1: where like you have this view of money as being

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Speaker 1: this sort of slippery thing that's just always trying to

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Speaker 1: escape and I gotta go dive in it every day

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Speaker 1: just to you know, fulfilled versus uh, using it like

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Speaker 1: a tool. And that's what we're gonna be talking about today,

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Speaker 1: is is approaching money from the standpoint of why behind

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Speaker 1: why we save money and and sort of the why

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Speaker 1: behind why we spend money. You know, why do we save?

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Speaker 1: We save essentially to become financially independent at some point

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Speaker 1: like down the road we want we want to be

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Speaker 1: able to retire or to be financially independent to where

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Speaker 1: we have the option to work or to not work

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Speaker 1: and secures to be responsible essentially, you know, in the end,

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Speaker 1: it's it's not about not living up fulfilling life necessarily,

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Speaker 1: but it's about kind of being responsible and making sure

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Speaker 1: you're kind of taking care of your future self. I

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Speaker 1: think when it boils down to like why do I save.

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Speaker 1: I think there's there's like two real reasons for me,

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Speaker 1: and one of one reason is I don't want to

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Speaker 1: be worried about money at night. I don't want to

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Speaker 1: not be able to get to sleep because I've got

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Speaker 1: a bill that I can't pay, or because there's there's

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Speaker 1: something lingering on the horizon that I know I'm not

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Speaker 1: gonna be able to afford. I want a peaceful feeling

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Speaker 1: about money, and so I save because I want to

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Speaker 1: be able to sleep well at night. And I know

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Speaker 1: that that's an issue probably for some of your listeners

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Speaker 1: out there, that is something like, you know what, Yeah,

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Speaker 1: that's a problem I have, and I can't sleep well

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Speaker 1: at night because my money issues are so great. The

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Speaker 1: other reason that I want to save money is ultimately

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Speaker 1: kind of what you're just talking about, Matt, is freedom.

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Speaker 1: I want to be free to make whatever cho ice

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Speaker 1: I want to make. I want freedom to decide that

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Speaker 1: I want to work less or that I want to

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Speaker 1: work more on exactly what I want to work on.

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Speaker 1: So that something to be related, possibly maybe some Krummy

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Speaker 1: podcast name I don't know or to that's like the

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Speaker 1: third hit uh we've dealt towards Poorn up for it's self,

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Speaker 1: deprecating that at poorn up like we love you podcasts,

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00:19:23,440 --> 00:19:25,919
Speaker 1: you always should treat it nicely, uh, And or you

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Speaker 1: know what, just pack up in in a camp or

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Speaker 1: something like that and take three months to ground the

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Speaker 1: country with my family, whatever it is. I want the

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Speaker 1: freedom to be able to make some of those choices

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Speaker 1: and saving money. Being intentional with your money over the

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Speaker 1: long term, you can make choices like that, and I

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Speaker 1: think sometimes starting out day one that seems impossible. But

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Speaker 1: if you are in this for the long haul and

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Speaker 1: intentional about your savings, that is possible, and that is

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Speaker 1: a worthy thing to be aimed for. Yeah, having those

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Speaker 1: long term goals is hugely important. We don't save an

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Speaker 1: because we love money. There's goals and things that we

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Speaker 1: want to do long term and that's what fuels us.

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Speaker 1: That gives us the why behind why we save. So Matt,

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Speaker 1: knowing your why behind money actually makes saving a lot

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Speaker 1: easier because, let's say my ultimate goal is too in

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Speaker 1: five years take my family on this cross country road trip,

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Speaker 1: and that's something I'm really interested in doing. Saving money

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Speaker 1: today with that goal in mind, it makes it a

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Speaker 1: heck of a lot easier. If I'm just like, that's

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Speaker 1: your fuel. Right, If I'm just saving because it's a

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Speaker 1: percentage on a piece of paper, or because it is

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Speaker 1: what you know, Matt and Joel told me to do,

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Speaker 1: or what a blog post told me to do, the

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Speaker 1: implications for me actually doing that saving are not good.

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Speaker 1: But when I attach actual hopes and dreams to it,

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Speaker 1: then it makes my desire an ability to save grow

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Speaker 1: because it it just grows in importance for me. Yeah,

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Speaker 1: you're tying that motivation to something tangible, into something real

429
00:20:57,520 --> 00:20:59,880
Speaker 1: in your life that you actually want to do other

430
00:21:00,040 --> 00:21:02,800
Speaker 1: than you know, besides some percentage or some number that

431
00:21:02,840 --> 00:21:06,000
Speaker 1: you have written down on a piece of paper, right exactly. Yeah,

432
00:21:06,240 --> 00:21:09,840
Speaker 1: we don't love money. The reason why behind saving that

433
00:21:09,880 --> 00:21:11,960
Speaker 1: we save isn't because we love money. It's because we

434
00:21:12,000 --> 00:21:15,480
Speaker 1: have these goals that we are pursuing and that's what

435
00:21:15,560 --> 00:21:18,480
Speaker 1: fuels us. And it's a tool to achieve those goals.

436
00:21:19,080 --> 00:21:22,159
Speaker 1: And so we could spend the rest of the podcast

437
00:21:22,240 --> 00:21:25,040
Speaker 1: talking about saving because there's so much, so many different

438
00:21:25,040 --> 00:21:27,640
Speaker 1: aspects that we can approach it from, but we're gonna

439
00:21:27,760 --> 00:21:32,120
Speaker 1: attempt to leave it and now talk about more the Actually,

440
00:21:32,200 --> 00:21:33,920
Speaker 1: I think for a lot of folks might be considered

441
00:21:33,920 --> 00:21:36,000
Speaker 1: more of the fun aspect of the wide behind money,

442
00:21:36,000 --> 00:21:39,399
Speaker 1: which is spending. So there's obviously you save or you spend.

443
00:21:39,840 --> 00:21:43,280
Speaker 1: And so we just touched briefly on saving, and hopefully

444
00:21:43,280 --> 00:21:46,000
Speaker 1: down the road will we'll dedicate an entire episode to saving.

445
00:21:46,040 --> 00:21:48,320
Speaker 1: But but yeah, you wanna talk about spending now, and

446
00:21:48,320 --> 00:21:51,399
Speaker 1: and basically we're gonna talk about why we spend money

447
00:21:51,400 --> 00:21:54,439
Speaker 1: on what we do. So essentially it comes down to

448
00:21:55,400 --> 00:21:57,840
Speaker 1: we want to be intentional to spend our money on

449
00:21:57,960 --> 00:22:01,879
Speaker 1: things that we truly enjoy, and that ultimately means that

450
00:22:01,920 --> 00:22:04,440
Speaker 1: you have to prioritize things because I mean, I think

451
00:22:04,480 --> 00:22:06,200
Speaker 1: in a perfect world a lot of things I would

452
00:22:06,240 --> 00:22:09,200
Speaker 1: want to do, and I certainly can't do them all today.

453
00:22:09,240 --> 00:22:11,600
Speaker 1: I can't do them all tomorrow. I might not even

454
00:22:11,640 --> 00:22:13,520
Speaker 1: be able to get to all of them in my lifetime.

455
00:22:13,880 --> 00:22:16,800
Speaker 1: But I have to come out with a list of

456
00:22:16,800 --> 00:22:19,520
Speaker 1: things that I prioritize, and how you allocate your money

457
00:22:19,520 --> 00:22:23,880
Speaker 1: should reflect those priorities that you have written down. Yeah,

458
00:22:24,000 --> 00:22:26,119
Speaker 1: kind of touching on that. I feel like I'm starting

459
00:22:26,160 --> 00:22:29,199
Speaker 1: to to realize man, that like, even if I had

460
00:22:29,240 --> 00:22:30,840
Speaker 1: all the money in the world, which I do not,

461
00:22:31,520 --> 00:22:33,920
Speaker 1: I don't have all the time in the world. You know.

462
00:22:33,960 --> 00:22:35,400
Speaker 1: I don't know if that's gonna be like me kind

463
00:22:35,400 --> 00:22:39,240
Speaker 1: of getting old, like old man Matt now, but I'm

464
00:22:39,280 --> 00:22:42,240
Speaker 1: realizing that there's just so much time in the world

465
00:22:42,280 --> 00:22:45,080
Speaker 1: and and and that's kind of becoming maybe the more

466
00:22:45,160 --> 00:22:48,359
Speaker 1: and more rare resource in my life. And and so

467
00:22:48,400 --> 00:22:52,520
Speaker 1: it's it's a prioritization not only for from a financial standpoint,

468
00:22:52,600 --> 00:22:54,880
Speaker 1: but from a time again we're gonna we're talking about money,

469
00:22:54,920 --> 00:22:57,760
Speaker 1: We're not gonna talk about time, uh today. But it

470
00:22:57,800 --> 00:22:59,359
Speaker 1: all kind of ties together, you know, like have you

471
00:22:59,400 --> 00:23:01,640
Speaker 1: ever had this thought? Oh? Yeah? And I think this

472
00:23:01,720 --> 00:23:04,600
Speaker 1: thought process should take us all through what do we

473
00:23:04,680 --> 00:23:06,879
Speaker 1: want our work life to look like? Too? And like

474
00:23:06,960 --> 00:23:10,159
Speaker 1: how much money do we want to make? And I

475
00:23:10,200 --> 00:23:12,960
Speaker 1: think this is like really really crucial, really really important

476
00:23:12,960 --> 00:23:15,479
Speaker 1: to what we decided to do with our you know,

477
00:23:15,800 --> 00:23:19,639
Speaker 1: thirty or forty or fifty hour a week work lives

478
00:23:19,680 --> 00:23:25,159
Speaker 1: as well, because it really should and and hopefully, uh

479
00:23:25,320 --> 00:23:27,560
Speaker 1: for me at least, it made me decide to do

480
00:23:27,640 --> 00:23:31,040
Speaker 1: something that I think probably pays a little bit less

481
00:23:31,080 --> 00:23:34,960
Speaker 1: than than other things might because it's meaningful work. And

482
00:23:35,000 --> 00:23:38,399
Speaker 1: also that job allows me the flexibility to do some

483
00:23:38,480 --> 00:23:40,919
Speaker 1: of these other things that maybe are low cost, but

484
00:23:41,560 --> 00:23:45,200
Speaker 1: they require time and so so I have I get

485
00:23:45,240 --> 00:23:47,520
Speaker 1: paid less, but you know, I'm I'm able to have

486
00:23:47,760 --> 00:23:50,320
Speaker 1: more time to dedicate to some of these things that

487
00:23:50,680 --> 00:23:54,000
Speaker 1: are low cost but there high benefit on the joy

488
00:23:54,040 --> 00:23:56,440
Speaker 1: meter for me. So Matt and I each wrote down

489
00:23:56,440 --> 00:23:59,080
Speaker 1: three items on on our lists, and these are things

490
00:23:59,119 --> 00:24:01,160
Speaker 1: that I've thought about for a long time, and these

491
00:24:01,200 --> 00:24:02,600
Speaker 1: are uh, there are a lot of things that I

492
00:24:02,600 --> 00:24:05,000
Speaker 1: could tell you that I prioritize that are like free

493
00:24:05,080 --> 00:24:07,520
Speaker 1: or close to free. Uh. And we touched on it,

494
00:24:07,640 --> 00:24:10,160
Speaker 1: you know in an earlier episode nerdy board games super

495
00:24:10,240 --> 00:24:13,879
Speaker 1: cheap they take time though, time and friends and community,

496
00:24:13,960 --> 00:24:16,800
Speaker 1: right like, and so to me, stuff like that's really essential.

497
00:24:17,119 --> 00:24:20,000
Speaker 1: But I particularly wanted to pick out three things that

498
00:24:20,200 --> 00:24:22,800
Speaker 1: we spend money on, I actually spend money on, So yeah,

499
00:24:22,800 --> 00:24:24,960
Speaker 1: that actually really costs money and not just a few

500
00:24:24,960 --> 00:24:27,480
Speaker 1: bucks here and there. Uh, in those three things for

501
00:24:27,600 --> 00:24:31,240
Speaker 1: me that spoke the most to me. Um, and that

502
00:24:31,359 --> 00:24:33,600
Speaker 1: when I spend my money there, I'm like really really

503
00:24:33,640 --> 00:24:39,440
Speaker 1: happy to do. So we're travel, craft beer, and folk art.

504
00:24:39,760 --> 00:24:41,119
Speaker 1: I Mean, I feel like craft beer should be on

505
00:24:41,160 --> 00:24:43,399
Speaker 1: my list two, but it's not I know, man, I

506
00:24:43,400 --> 00:24:45,480
Speaker 1: mean I feel like, I mean, it's it's like you

507
00:24:45,520 --> 00:24:49,200
Speaker 1: let to tell the podcast you should get another another

508
00:24:49,240 --> 00:24:50,840
Speaker 1: free be because I mean craft here is gonna be

509
00:24:50,880 --> 00:24:51,840
Speaker 1: one of I mean it should be one of mine

510
00:24:51,880 --> 00:24:53,720
Speaker 1: as well. I mean obviously we you know, we love,

511
00:24:54,280 --> 00:24:57,639
Speaker 1: we live enjoying uh delicious craft beer, and that's something

512
00:24:57,680 --> 00:24:59,560
Speaker 1: that we do spend more money on maybe than the

513
00:24:59,600 --> 00:25:02,800
Speaker 1: typical person out there. Yeah. I think for me, putting

514
00:25:02,800 --> 00:25:05,800
Speaker 1: this down on my list gave me the ability to

515
00:25:05,960 --> 00:25:08,200
Speaker 1: prioritize more of my money towards that because I think

516
00:25:08,200 --> 00:25:09,800
Speaker 1: for a while I was like trying to straddle this

517
00:25:09,880 --> 00:25:11,720
Speaker 1: line and I was like, well, if I drink Miller

518
00:25:11,800 --> 00:25:13,480
Speaker 1: High Life four nights a week, I can drink a

519
00:25:13,480 --> 00:25:16,359
Speaker 1: good craft beer on the weekend. And putting this down

520
00:25:16,359 --> 00:25:17,840
Speaker 1: in my line on I'm like, hey, you know what,

521
00:25:17,920 --> 00:25:21,639
Speaker 1: this is one of those few things that you highly prioritize.

522
00:25:21,760 --> 00:25:25,199
Speaker 1: This is one of your wise like don't don't not

523
00:25:25,280 --> 00:25:28,200
Speaker 1: drink a Voodoo Ranger, you know, on a Tuesday night

524
00:25:28,400 --> 00:25:31,320
Speaker 1: if that's what you want to do, because you've given

525
00:25:31,320 --> 00:25:34,600
Speaker 1: yourself the financial ability to do so. And so just

526
00:25:34,680 --> 00:25:37,920
Speaker 1: withholding that from myself was really not reflective of my values.

527
00:25:38,200 --> 00:25:41,040
Speaker 1: So it's really important for me to write it down

528
00:25:41,400 --> 00:25:42,639
Speaker 1: and to kind of have that in the forefront of

529
00:25:42,680 --> 00:25:44,040
Speaker 1: my mind so that when I do go into the

530
00:25:44,119 --> 00:25:46,880
Speaker 1: craft beer shop every other week, I don't feel bad,

531
00:25:47,200 --> 00:25:51,840
Speaker 1: you know, dropping forty bucks on beer because it is

532
00:25:51,880 --> 00:25:54,240
Speaker 1: something that I value is a high priority. And real quick,

533
00:25:54,240 --> 00:25:57,760
Speaker 1: I'll just say the other things. People probably like folk art,

534
00:25:57,800 --> 00:26:00,320
Speaker 1: what's that? I don't know, will maybe we'll posted to

535
00:26:00,320 --> 00:26:02,480
Speaker 1: pictures the same most folks know travel. I mean, you know,

536
00:26:02,520 --> 00:26:04,400
Speaker 1: folks can kind of relate to that. But yeah, folk cart,

537
00:26:04,400 --> 00:26:06,879
Speaker 1: don't you like explained to folks what it is about

538
00:26:06,880 --> 00:26:09,440
Speaker 1: that that you're drawn to? Man, I'm just obsessed with

539
00:26:09,840 --> 00:26:15,840
Speaker 1: the colors and the subject matter. And essentially the definition

540
00:26:15,880 --> 00:26:18,119
Speaker 1: really of a folk artist is an untrained artist that

541
00:26:18,200 --> 00:26:20,239
Speaker 1: speaks to your heart. In fact that someone can kind

542
00:26:20,240 --> 00:26:21,320
Speaker 1: of just come in there and kind of do whatever

543
00:26:21,359 --> 00:26:23,520
Speaker 1: they want and it does it's pretty cool. Yeah, there's

544
00:26:23,520 --> 00:26:25,760
Speaker 1: like no rules to it, really, you know, you're you're

545
00:26:25,800 --> 00:26:29,280
Speaker 1: not now you'll find a little bit of folk art museums,

546
00:26:29,320 --> 00:26:31,879
Speaker 1: but there's so much like urban folk art two that

547
00:26:32,040 --> 00:26:35,240
Speaker 1: really speaks to me that is even completely different than

548
00:26:35,880 --> 00:26:39,880
Speaker 1: what was traditionally more of a southern Southern thing of

549
00:26:39,880 --> 00:26:43,000
Speaker 1: of folk art, untrained artists, Howard Finster being you know,

550
00:26:43,000 --> 00:26:45,359
Speaker 1: one of the most recognizable and well, you know, in

551
00:26:45,400 --> 00:26:46,960
Speaker 1: the show notes, maybe we'll post a link to a

552
00:26:46,960 --> 00:26:48,760
Speaker 1: couple of guys that I like to follow and I

553
00:26:48,800 --> 00:26:51,119
Speaker 1: like to buy their pieces. But really, just like local

554
00:26:51,200 --> 00:26:53,359
Speaker 1: art and folk art, I'm I'm just really into it,

555
00:26:53,400 --> 00:26:56,359
Speaker 1: and so we have I will not put up like

556
00:26:56,440 --> 00:26:58,200
Speaker 1: a piece of art from home goods in my house

557
00:26:58,280 --> 00:27:00,240
Speaker 1: or something like that. Like I just won't buy a

558
00:27:00,280 --> 00:27:04,199
Speaker 1: piece of art on Amazon. That's I mean, I know

559
00:27:04,240 --> 00:27:07,000
Speaker 1: you've got some Thomas Kincaid in your bedroom, Matt, but uh,

560
00:27:08,320 --> 00:27:11,719
Speaker 1: I do not. I'm just not a fan of it.

561
00:27:11,800 --> 00:27:14,280
Speaker 1: I need these individualized pieces that speak to me, and

562
00:27:14,640 --> 00:27:17,040
Speaker 1: so Emily and I have prioritized that. And sometimes, you know,

563
00:27:17,080 --> 00:27:19,320
Speaker 1: these pieces are hundreds and hundreds of dollars. But it's

564
00:27:19,320 --> 00:27:21,120
Speaker 1: something that we say, you know what, once a year,

565
00:27:21,960 --> 00:27:24,320
Speaker 1: maybe twice a year, you know, we find a piece

566
00:27:24,359 --> 00:27:28,119
Speaker 1: of art and usually it's a our anniversary celebration. You know,

567
00:27:28,119 --> 00:27:30,600
Speaker 1: we get an awesome piece of art and it's fun

568
00:27:30,640 --> 00:27:32,040
Speaker 1: to be like, oh, that's what we got your one,

569
00:27:32,080 --> 00:27:34,000
Speaker 1: that's what we got your two. That's what we got

570
00:27:34,040 --> 00:27:36,560
Speaker 1: your five and just to remember go down you know,

571
00:27:36,640 --> 00:27:39,920
Speaker 1: memory road and say, you know, it's a reminder for

572
00:27:40,040 --> 00:27:43,240
Speaker 1: us of our love and our love of art. And

573
00:27:43,320 --> 00:27:45,000
Speaker 1: people walk into our house and I think it's one

574
00:27:45,000 --> 00:27:48,280
Speaker 1: of the most instantly recognizable things. People are like, oh,

575
00:27:48,320 --> 00:27:50,479
Speaker 1: you've got a lot of weird paintings in here. And

576
00:27:50,560 --> 00:27:53,000
Speaker 1: so that's just kind of kind of fun too that

577
00:27:53,240 --> 00:27:56,520
Speaker 1: it's visible in that way too, So like a raccoon

578
00:27:56,600 --> 00:28:01,920
Speaker 1: sitting on a dock, ex exactly like the quintessential, Like

579
00:28:02,440 --> 00:28:06,639
Speaker 1: what's the folk artist? Well maybe that so yeah, but

580
00:28:06,760 --> 00:28:09,440
Speaker 1: writing those things down, travel, polk art, craft, beer, I'm

581
00:28:09,480 --> 00:28:12,840
Speaker 1: now I don't feel bad allocating, you know, large amounts

582
00:28:12,840 --> 00:28:15,000
Speaker 1: of money of those things. Those are kind of my

583
00:28:15,400 --> 00:28:18,800
Speaker 1: spending wise, and it's really fun to get to like

584
00:28:19,000 --> 00:28:21,840
Speaker 1: think about those. So, Matt, we talked about my three wise,

585
00:28:21,880 --> 00:28:25,239
Speaker 1: and you know, one of them is weird. Uh, what

586
00:28:25,240 --> 00:28:27,600
Speaker 1: what are yours? Yeah, Joe, So my three that I've

587
00:28:27,600 --> 00:28:31,200
Speaker 1: got down are our house and I wrote down a

588
00:28:31,359 --> 00:28:34,520
Speaker 1: t l ut d which is our soccer team, Atlanta United,

589
00:28:35,520 --> 00:28:38,760
Speaker 1: and uh and bikes, which is kind of like beer

590
00:28:38,800 --> 00:28:40,720
Speaker 1: for you. It's something you enjoy as well, right, ye.

591
00:28:41,000 --> 00:28:42,920
Speaker 1: But yeah, so let's I mean, we we did a

592
00:28:42,960 --> 00:28:45,360
Speaker 1: whole episode on bikes, how much joy it brings us,

593
00:28:45,360 --> 00:28:48,600
Speaker 1: How it satisfies so many different things in our lives. Yeah,

594
00:28:48,720 --> 00:28:52,360
Speaker 1: from a physical fitness, from a money saving standpoint, from

595
00:28:52,400 --> 00:28:55,680
Speaker 1: just a community standpoint. There's so much joy that I

596
00:28:55,720 --> 00:28:59,040
Speaker 1: get out of being on my bike and getting my

597
00:28:59,080 --> 00:29:01,440
Speaker 1: daughters on the bike because well and getting out there

598
00:29:01,480 --> 00:29:03,840
Speaker 1: so and buying a new bike. Oh yeah, just about

599
00:29:03,880 --> 00:29:05,800
Speaker 1: your wife a new bike. You've got a few bikes, like,

600
00:29:06,080 --> 00:29:08,560
Speaker 1: they cost money. So yeah, So that's why we have

601
00:29:08,600 --> 00:29:10,760
Speaker 1: to prioritize it is because it I mean, it does

602
00:29:10,800 --> 00:29:12,920
Speaker 1: cost money, and so it's it's something that we kind

603
00:29:12,920 --> 00:29:15,120
Speaker 1: of need to budget for. And it's something that some

604
00:29:15,160 --> 00:29:17,760
Speaker 1: people don't and that's fine because for them it's not

605
00:29:17,800 --> 00:29:19,800
Speaker 1: a priority. But for us, it's a priority, and it's

606
00:29:19,840 --> 00:29:21,680
Speaker 1: something that we're intentional about. All right. So when you

607
00:29:21,680 --> 00:29:25,080
Speaker 1: wrote down house, um, I completely see this, Like there's

608
00:29:25,120 --> 00:29:27,880
Speaker 1: a completely different mindset for you than me about our

609
00:29:28,000 --> 00:29:30,320
Speaker 1: about our homes. And so for us it's more like

610
00:29:30,840 --> 00:29:33,280
Speaker 1: a line item that I'm trying to lessen the amount

611
00:29:33,280 --> 00:29:35,200
Speaker 1: that we spend on it. But for you, I can

612
00:29:35,240 --> 00:29:37,560
Speaker 1: see why it's a priority. You work from home, you

613
00:29:37,600 --> 00:29:40,640
Speaker 1: have a larger family than I do too, and so uh,

614
00:29:40,760 --> 00:29:42,800
Speaker 1: it's it makes sense that you prioritize this more. But

615
00:29:42,880 --> 00:29:44,719
Speaker 1: you can talk to me about that a little bit. Yeah, well,

616
00:29:44,720 --> 00:29:46,560
Speaker 1: the so you you nail the first one on the head, right.

617
00:29:46,600 --> 00:29:49,080
Speaker 1: So I work, I work from home, and so I

618
00:29:49,200 --> 00:29:54,040
Speaker 1: spend of my time at home. I'm not the kind

619
00:29:54,040 --> 00:29:55,680
Speaker 1: of guy that needs to get out and kind of

620
00:29:55,680 --> 00:29:58,080
Speaker 1: getting the coffee shop to be productive and get stuff done.

621
00:29:58,760 --> 00:30:00,760
Speaker 1: You know, I like ruining my own coffee and staying

622
00:30:00,760 --> 00:30:03,400
Speaker 1: at home and saving money. And I set up front

623
00:30:03,400 --> 00:30:05,080
Speaker 1: in front of our house and in the office. You

624
00:30:05,120 --> 00:30:07,040
Speaker 1: need more space for that. And for a guy that's

625
00:30:07,040 --> 00:30:09,560
Speaker 1: working sixty hours a week, you know, maybe at home

626
00:30:10,240 --> 00:30:12,600
Speaker 1: shouldn't be or isn't as much of a priority or

627
00:30:12,680 --> 00:30:15,400
Speaker 1: barely there. You're traveling like a consultant man. Literally, if

628
00:30:15,400 --> 00:30:17,840
Speaker 1: you're living out of a hotel Monday through Thursday and

629
00:30:17,880 --> 00:30:20,440
Speaker 1: then you're you're flying home, it may not and probably

630
00:30:20,440 --> 00:30:22,440
Speaker 1: shouldn't be a priority for you. But but for us

631
00:30:22,520 --> 00:30:25,280
Speaker 1: having ah we're a family of five now plus Stella,

632
00:30:25,760 --> 00:30:28,480
Speaker 1: But it's it's something that that we are that is

633
00:30:28,480 --> 00:30:30,080
Speaker 1: a priority for us, and That's the other thing too,

634
00:30:30,120 --> 00:30:32,400
Speaker 1: is our family. That's something that Kate and I have.

635
00:30:33,040 --> 00:30:35,440
Speaker 1: We sat down there, we talked about and for the

636
00:30:35,480 --> 00:30:38,400
Speaker 1: next six to eighteen years, we're gonna be home a lot.

637
00:30:38,480 --> 00:30:40,479
Speaker 1: You know, we've got kids, We're gonna the girls are

638
00:30:40,480 --> 00:30:42,440
Speaker 1: gonna be in school. We're gonna be spending a lot

639
00:30:42,520 --> 00:30:44,760
Speaker 1: of time at home doing the home life kind of thing.

640
00:30:44,960 --> 00:30:48,240
Speaker 1: Kate loves cooking, She's oftentimes in the kitchen. They're cooking

641
00:30:48,240 --> 00:30:50,800
Speaker 1: with the girls, and we're teaching them there sort of

642
00:30:50,840 --> 00:30:54,000
Speaker 1: in real life situations. We realized it became a priority

643
00:30:54,040 --> 00:30:57,560
Speaker 1: for us from that standpoint. Not only do I spend

644
00:30:57,560 --> 00:30:59,840
Speaker 1: a lot of time at home working, not only is

645
00:30:59,840 --> 00:31:02,880
Speaker 1: it my home office and where I keep my gear,

646
00:31:03,560 --> 00:31:06,280
Speaker 1: but it's also where we were raising our family, are

647
00:31:06,320 --> 00:31:10,320
Speaker 1: growing family, and yes, we will be traveling and we

648
00:31:10,400 --> 00:31:12,320
Speaker 1: love to travel. You know. That's something that you know

649
00:31:12,320 --> 00:31:14,240
Speaker 1: that that you mentioned, and a lot of people resonate

650
00:31:14,240 --> 00:31:17,040
Speaker 1: with that. I think it will become more and more priority,

651
00:31:17,120 --> 00:31:20,000
Speaker 1: as as are our girls kind of age up. So

652
00:31:20,080 --> 00:31:22,000
Speaker 1: two things. You said, you're growing family. Do you have

653
00:31:22,040 --> 00:31:24,080
Speaker 1: some news you want to share with the podcast audience?

654
00:31:24,160 --> 00:31:26,520
Speaker 1: I do not, okay, all right? And that would have

655
00:31:26,520 --> 00:31:29,000
Speaker 1: been news to me too, so I was interested, uh,

656
00:31:29,040 --> 00:31:30,960
Speaker 1: and it would be news to me, sir. And you

657
00:31:30,960 --> 00:31:34,800
Speaker 1: guys are really into two hosting neighbors having people over too,

658
00:31:35,040 --> 00:31:38,680
Speaker 1: And that is another reason to to prioritize your home,

659
00:31:38,720 --> 00:31:42,520
Speaker 1: because if that means, you know, you're going out less uh,

660
00:31:42,560 --> 00:31:45,480
Speaker 1: two restaurants, to entertainment, to movies, all those things, and

661
00:31:45,520 --> 00:31:49,400
Speaker 1: you're having people over, that's a reason to prioritize kind

662
00:31:49,400 --> 00:31:52,240
Speaker 1: of your home in that way. I think you obviously,

663
00:31:52,360 --> 00:31:54,320
Speaker 1: in moderation, you have to be smart about it. But

664
00:31:54,760 --> 00:31:57,640
Speaker 1: you know, you guys prioritize a lot of things about

665
00:31:58,160 --> 00:32:00,520
Speaker 1: having this home that you have. You certainly have to

666
00:32:00,520 --> 00:32:02,080
Speaker 1: cut back in a lot of other areas, but the

667
00:32:02,120 --> 00:32:05,040
Speaker 1: fact that you've made this such an important piece of

668
00:32:05,080 --> 00:32:07,400
Speaker 1: your life, it makes a lot of sense, and I

669
00:32:07,400 --> 00:32:10,280
Speaker 1: think it reflects what you value in the right ways.

670
00:32:10,720 --> 00:32:12,760
Speaker 1: So I think one of the things Matt, that can

671
00:32:12,800 --> 00:32:16,680
Speaker 1: help people think about this properly. Some folks do what

672
00:32:16,760 --> 00:32:22,400
Speaker 1: their quote unquote supposed to do, and they follow kind

673
00:32:22,440 --> 00:32:25,520
Speaker 1: of the pattern that their neighbors or their parents or

674
00:32:25,600 --> 00:32:28,520
Speaker 1: the people around them sept for them. I distinctly remember

675
00:32:28,760 --> 00:32:32,000
Speaker 1: my dad telling me that when he moved across the

676
00:32:32,040 --> 00:32:36,120
Speaker 1: country for this job. Not too long after college. One

677
00:32:36,160 --> 00:32:38,440
Speaker 1: of his co workers told him, you know what, by

678
00:32:38,560 --> 00:32:40,880
Speaker 1: by a little bit bigger house than you can afford,

679
00:32:40,960 --> 00:32:43,520
Speaker 1: because because you're gonna get promotions and you're gonna get raises,

680
00:32:43,560 --> 00:32:45,680
Speaker 1: and you know, eventually, like you're gonna be in the

681
00:32:45,680 --> 00:32:47,560
Speaker 1: house of your dreams and you're gonna be able to

682
00:32:47,600 --> 00:32:49,160
Speaker 1: afford it. It's just gonna be a little type for

683
00:32:49,160 --> 00:32:51,960
Speaker 1: a couple of years. That's essentially what my dad was told.

684
00:32:52,080 --> 00:32:54,960
Speaker 1: And that's that's just terrible advice. I think people make

685
00:32:55,000 --> 00:33:00,479
Speaker 1: decisions based on what a stock quintessential American lifestyle looks like,

686
00:33:01,280 --> 00:33:05,320
Speaker 1: and they forget to take stock of what they actually want,

687
00:33:05,400 --> 00:33:08,880
Speaker 1: like what's actually important to them. Yeah, it's just it's

688
00:33:08,920 --> 00:33:13,160
Speaker 1: kind of this mind mindlessly wandering and taking the default

689
00:33:13,160 --> 00:33:16,960
Speaker 1: path as opposed to being incredibly conscious about the choices

690
00:33:17,600 --> 00:33:20,440
Speaker 1: that you want to make in your life. Yeah, and

691
00:33:20,480 --> 00:33:22,920
Speaker 1: that's the thing, Like we're not harping against any sort

692
00:33:22,920 --> 00:33:24,680
Speaker 1: of like one way of life, because in my mind,

693
00:33:24,680 --> 00:33:27,000
Speaker 1: there's different sort of defaults. There's different sort of stock

694
00:33:27,080 --> 00:33:30,600
Speaker 1: lifestyles that you can mindlessly sign up for without even

695
00:33:30,600 --> 00:33:33,680
Speaker 1: realizing it. And whether that's like the sort of mindset

696
00:33:33,760 --> 00:33:37,920
Speaker 1: of buying all the toys, and for maybe some folks

697
00:33:37,960 --> 00:33:40,560
Speaker 1: that means like getting an RV and getting a boat,

698
00:33:40,720 --> 00:33:45,640
Speaker 1: and different memberships to different clubs and paying doc fees

699
00:33:45,680 --> 00:33:48,280
Speaker 1: and you know, just all this sort of stuff. It's

700
00:33:48,320 --> 00:33:52,280
Speaker 1: not about one lifestyle over the other. It's just about

701
00:33:53,080 --> 00:33:57,720
Speaker 1: making a sort of meaningful, intentional decision to focus on

702
00:33:57,760 --> 00:33:59,360
Speaker 1: the things that are important to you and that you

703
00:33:59,400 --> 00:34:02,520
Speaker 1: find value, that you find joy in. So I think

704
00:34:02,640 --> 00:34:06,800
Speaker 1: think through how big is my house? Is it located

705
00:34:06,800 --> 00:34:08,560
Speaker 1: where I want to live? And if I could live

706
00:34:08,600 --> 00:34:12,160
Speaker 1: somewhere else, where would that be? And what benefit would

707
00:34:12,160 --> 00:34:13,960
Speaker 1: that bring me if I were to move somewhere else.

708
00:34:14,200 --> 00:34:16,640
Speaker 1: I've got two cars or one car or whatever? How

709
00:34:16,680 --> 00:34:20,759
Speaker 1: many cars does our family need? And maybe do we

710
00:34:20,800 --> 00:34:23,480
Speaker 1: need the cars that are as fancy as they are

711
00:34:23,520 --> 00:34:27,040
Speaker 1: as currently constructed? In our lives? How much am I working?

712
00:34:27,760 --> 00:34:30,280
Speaker 1: And what am I working for? What am I working

713
00:34:30,280 --> 00:34:34,719
Speaker 1: for in my daily nine? And then ultimately like what

714
00:34:34,800 --> 00:34:37,319
Speaker 1: am I working for? What does this money mean? So

715
00:34:37,520 --> 00:34:40,120
Speaker 1: what am I doing with my days? And then what

716
00:34:40,200 --> 00:34:42,200
Speaker 1: does that mean for further down the road? I mean,

717
00:34:42,200 --> 00:34:43,959
Speaker 1: I think you have to take stock of all those

718
00:34:44,000 --> 00:34:46,760
Speaker 1: things in order to be able to kind of define

719
00:34:47,400 --> 00:34:49,759
Speaker 1: your why behind money. And one more thing, I think.

720
00:34:49,800 --> 00:34:53,239
Speaker 1: I think the other default mode is I work for

721
00:34:53,239 --> 00:34:56,839
Speaker 1: forty years, I retire sixty five. That's the default sort

722
00:34:56,880 --> 00:35:00,080
Speaker 1: of like I work and then I retire, and you

723
00:35:00,120 --> 00:35:02,200
Speaker 1: know what, there's a good chance I'll be working until

724
00:35:02,200 --> 00:35:05,960
Speaker 1: sixty five, hopefully doing something I really enjoy and exactly

725
00:35:06,040 --> 00:35:07,560
Speaker 1: what I want to do though, because I'll have that

726
00:35:07,600 --> 00:35:10,960
Speaker 1: ability to choose. But I think that that forty years

727
00:35:11,080 --> 00:35:13,359
Speaker 1: is essentially the most important years of your life, is

728
00:35:13,400 --> 00:35:17,799
Speaker 1: some prime years. Yeah, And I don't think anybody at

729
00:35:17,840 --> 00:35:19,600
Speaker 1: the end looks back and says, you know what, I

730
00:35:19,600 --> 00:35:22,799
Speaker 1: wish I would have worked more. It's usually the things

731
00:35:22,800 --> 00:35:25,520
Speaker 1: that they missed because they were working too much. And

732
00:35:25,840 --> 00:35:30,040
Speaker 1: if you prioritize what you do as a reflection of

733
00:35:30,040 --> 00:35:33,120
Speaker 1: of either what you enjoy or you know, the results

734
00:35:33,120 --> 00:35:35,960
Speaker 1: you want to see in the world, and then prioritize

735
00:35:36,000 --> 00:35:38,960
Speaker 1: your time away from work in a way that reflects

736
00:35:39,040 --> 00:35:41,640
Speaker 1: your values, I think it's just really easy to get

737
00:35:41,680 --> 00:35:45,799
Speaker 1: to get into a workaholic syndrome. And it's self perpetuating too, right,

738
00:35:46,480 --> 00:35:48,120
Speaker 1: Like the more you do it, the more you kind

739
00:35:48,120 --> 00:35:50,040
Speaker 1: of get sucked in, and then you get more responsibilities

740
00:35:50,120 --> 00:35:51,440
Speaker 1: kind of heaped upon you, and then you feel like

741
00:35:51,440 --> 00:35:53,520
Speaker 1: you can't quit, and it's sort of this sort of

742
00:35:53,640 --> 00:35:56,960
Speaker 1: endless treadmill, you know. And I honestly think and some

743
00:35:57,040 --> 00:35:58,360
Speaker 1: of your thoughts on this too, but I feel like

744
00:35:58,360 --> 00:36:02,240
Speaker 1: it starts early on. I think it's starts somewhat with education,

745
00:36:02,280 --> 00:36:04,719
Speaker 1: when it's like we're on the sort of education path,

746
00:36:04,880 --> 00:36:07,520
Speaker 1: right like, and you start off kindergarten, you start going

747
00:36:07,600 --> 00:36:09,359
Speaker 1: you know, middle school, in high school. By the time

748
00:36:09,400 --> 00:36:11,640
Speaker 1: you're in high school, there's almost no question that, like,

749
00:36:11,680 --> 00:36:13,920
Speaker 1: you should be going to college. That's sort of what's

750
00:36:14,280 --> 00:36:17,279
Speaker 1: being fed to you. And there's good reason. People that

751
00:36:17,360 --> 00:36:20,840
Speaker 1: go to undergrad you earn more. It's reflected in the

752
00:36:20,880 --> 00:36:24,040
Speaker 1: types of jobs that you can get after graduation. However,

753
00:36:24,120 --> 00:36:26,640
Speaker 1: I don't think that's for everybody. It puts us on

754
00:36:26,680 --> 00:36:29,520
Speaker 1: this path of not thinking and when by default, like

755
00:36:29,560 --> 00:36:31,680
Speaker 1: your next steps are kind of already playing out for you.

756
00:36:31,880 --> 00:36:34,200
Speaker 1: It's like a muscle, and the more the more you

757
00:36:34,239 --> 00:36:36,440
Speaker 1: work that muscle, the better you get at it. The

758
00:36:36,560 --> 00:36:39,960
Speaker 1: less you work it, the worst you are at making

759
00:36:39,960 --> 00:36:42,680
Speaker 1: those decisions. And so I feel like a lot of

760
00:36:42,680 --> 00:36:45,040
Speaker 1: times you see people that are also then after even

761
00:36:45,080 --> 00:36:47,800
Speaker 1: undergrad then going to grad school because it's like, well,

762
00:36:47,840 --> 00:36:49,080
Speaker 1: that's kind of what I've been doing, and I know

763
00:36:49,120 --> 00:36:51,160
Speaker 1: that once I do grad school, I can definitely get this.

764
00:36:51,800 --> 00:36:53,319
Speaker 1: I just don't like the kind of path that puts

765
00:36:53,320 --> 00:36:56,600
Speaker 1: people on where they're not really thinking for themselves necessarily.

766
00:36:56,760 --> 00:36:59,759
Speaker 1: I think there's been like a cultural push to prioritize

767
00:36:59,760 --> 00:37:03,759
Speaker 1: co edge, and we're pushing people even that know that

768
00:37:03,800 --> 00:37:06,520
Speaker 1: they're good with their hands or you know, good at

769
00:37:06,520 --> 00:37:09,120
Speaker 1: mechanical skills or whatever it may be. Yeah, who could

770
00:37:09,120 --> 00:37:11,520
Speaker 1: literally come out of high school and have you know,

771
00:37:11,560 --> 00:37:14,720
Speaker 1: a great job working for themselves, working in a mechanic

772
00:37:14,760 --> 00:37:16,680
Speaker 1: shop or becoming a plumber or whatever it may be.

773
00:37:17,400 --> 00:37:20,160
Speaker 1: Those can quickly become high paying jobs in our economy now.

774
00:37:20,520 --> 00:37:24,040
Speaker 1: And we've pushed people like that into college, burden them

775
00:37:24,040 --> 00:37:26,799
Speaker 1: with lots of debt, tons of student loan debt, and

776
00:37:26,800 --> 00:37:29,400
Speaker 1: then essentially told them to go, you know, be a

777
00:37:29,440 --> 00:37:32,879
Speaker 1: history major, when they would have been much better off.

778
00:37:33,040 --> 00:37:35,600
Speaker 1: They would have spent less time, less opportunity, cost um

779
00:37:35,680 --> 00:37:39,120
Speaker 1: less student loans, uh, and they would be they'd be

780
00:37:39,200 --> 00:37:42,200
Speaker 1: more fulfilled working a job that they enjoy. And so

781
00:37:42,239 --> 00:37:44,440
Speaker 1: I think we've done like a huge disservice to some

782
00:37:44,520 --> 00:37:47,120
Speaker 1: of our young people by making it sound like that's

783
00:37:47,160 --> 00:37:50,440
Speaker 1: the only path and kind of missing out on apprenticeships

784
00:37:50,600 --> 00:37:53,680
Speaker 1: and helping people to see the value in skilled labor

785
00:37:53,719 --> 00:37:56,680
Speaker 1: as well. Yeah, or even encouraging them to like think

786
00:37:56,760 --> 00:37:58,719
Speaker 1: about what they enjoy doing. You know, Like so much

787
00:37:58,760 --> 00:38:00,879
Speaker 1: of this kind of comes down to like individual self

788
00:38:00,920 --> 00:38:02,640
Speaker 1: and think through that, like what I'd be happy, you know,

789
00:38:02,640 --> 00:38:04,840
Speaker 1: sort of what you were saying about maybe taking a

790
00:38:04,920 --> 00:38:07,480
Speaker 1: job that might have a you know, a lower salary,

791
00:38:07,600 --> 00:38:10,799
Speaker 1: but might be completely fulfilling. That being said, I don't

792
00:38:10,800 --> 00:38:14,000
Speaker 1: want to discount going to college, right, Like, for a

793
00:38:14,080 --> 00:38:16,320
Speaker 1: lot of people, that's a great move and a great decision,

794
00:38:16,480 --> 00:38:19,239
Speaker 1: and especially for people that have thought it through. What

795
00:38:19,239 --> 00:38:22,320
Speaker 1: we're what we're kind of focusing on is the intentionality

796
00:38:22,440 --> 00:38:26,360
Speaker 1: and being focused in thinking it through and taking the

797
00:38:26,440 --> 00:38:29,000
Speaker 1: steps that you know you want to take to further

798
00:38:29,040 --> 00:38:31,799
Speaker 1: your career. And that's actually somewhere where like having a

799
00:38:31,840 --> 00:38:35,400
Speaker 1: mission statement I think might be very helpful for some folks.

800
00:38:35,440 --> 00:38:38,080
Speaker 1: This is something that we've had different sort of versions

801
00:38:38,160 --> 00:38:41,399
Speaker 1: of since Kate and I were married, but like an

802
00:38:41,440 --> 00:38:43,840
Speaker 1: actual mission statement, whether that be for you as as

803
00:38:43,880 --> 00:38:47,200
Speaker 1: an individual or if you have a family, just kind

804
00:38:47,200 --> 00:38:48,960
Speaker 1: of talking through some of the values that you have.

805
00:38:49,080 --> 00:38:50,920
Speaker 1: And you know, it kind of sounds kind of crazy

806
00:38:50,960 --> 00:38:52,680
Speaker 1: to be like, what's my mission statement? Like what does

807
00:38:52,719 --> 00:38:55,400
Speaker 1: that mean? But I mean it can literally be as

808
00:38:55,440 --> 00:38:58,880
Speaker 1: simple as thinking through your values, like what are some

809
00:38:58,920 --> 00:39:01,560
Speaker 1: things that you want to you prioritize in your life.

810
00:39:02,120 --> 00:39:05,600
Speaker 1: And once you have that, a lot of decisions become

811
00:39:05,640 --> 00:39:07,719
Speaker 1: easy because it's like it falls under that and then

812
00:39:07,760 --> 00:39:10,560
Speaker 1: you say, oh, does this align with our values? Does

813
00:39:10,600 --> 00:39:13,120
Speaker 1: this align with our mission statement? So then it's like,

814
00:39:13,120 --> 00:39:15,320
Speaker 1: all right, let's see if this makes sense sort of financially.

815
00:39:15,920 --> 00:39:18,560
Speaker 1: So I think the creating this mission statement is helpful

816
00:39:18,560 --> 00:39:20,879
Speaker 1: as an individual or as a family, like you said, Matt,

817
00:39:20,880 --> 00:39:22,560
Speaker 1: and I think it helps you get on the same

818
00:39:22,560 --> 00:39:25,839
Speaker 1: page with your spouse or significant other two so that

819
00:39:26,239 --> 00:39:29,279
Speaker 1: when something does pop up and you're like do we

820
00:39:29,320 --> 00:39:30,919
Speaker 1: want to spend our money this way? Do we want

821
00:39:30,920 --> 00:39:32,920
Speaker 1: to move to another city for a job, or do

822
00:39:32,960 --> 00:39:35,600
Speaker 1: we want to purchase this new car or whatever, it is,

823
00:39:35,880 --> 00:39:38,480
Speaker 1: like you can go back to this mission statement. It's

824
00:39:38,480 --> 00:39:41,160
Speaker 1: like this foundational It's like a pillar of your family

825
00:39:41,160 --> 00:39:44,040
Speaker 1: that you can go back to and say wait, no, Actually,

826
00:39:44,120 --> 00:39:47,240
Speaker 1: if we were to make that decision, it doesn't quite

827
00:39:47,600 --> 00:39:50,239
Speaker 1: reflect our values and what we actually want out of life.

828
00:39:50,480 --> 00:39:52,480
Speaker 1: We would just be trying to keep up with the joneses,

829
00:39:52,560 --> 00:39:55,120
Speaker 1: or we would just be doing what society tells us

830
00:39:55,160 --> 00:39:58,839
Speaker 1: is valuable, even though ultimately that's not what we want. Yeah, man,

831
00:39:58,880 --> 00:40:01,160
Speaker 1: I completely agree. So how like, so let's take some

832
00:40:01,200 --> 00:40:03,840
Speaker 1: practical steps then, Like, how would you encourage folks to

833
00:40:04,680 --> 00:40:06,600
Speaker 1: figure out what it is that they want? All right?

834
00:40:06,640 --> 00:40:09,560
Speaker 1: So I would say, first, you need to think about it.

835
00:40:09,640 --> 00:40:12,719
Speaker 1: So sit down, think about it, pen and paper. What

836
00:40:12,920 --> 00:40:15,880
Speaker 1: brings you the most joy? Those are great things to

837
00:40:15,960 --> 00:40:18,759
Speaker 1: write down. And I think, like, so, you know what,

838
00:40:18,880 --> 00:40:22,520
Speaker 1: spending time with my kids, or playing nerdy board games,

839
00:40:22,840 --> 00:40:25,000
Speaker 1: playing disc golf, what. So many of those things are

840
00:40:25,080 --> 00:40:28,479
Speaker 1: free for me. It's awesome. So really, what I'm trying

841
00:40:28,480 --> 00:40:31,880
Speaker 1: to do is value my time and my time to

842
00:40:31,920 --> 00:40:33,520
Speaker 1: get to do those things that I love. So what

843
00:40:33,600 --> 00:40:36,400
Speaker 1: you should do, sit down, right down? What brings you

844
00:40:36,440 --> 00:40:38,879
Speaker 1: the most joy? If you live alone, if you're if

845
00:40:38,920 --> 00:40:42,440
Speaker 1: this is just you, great, it's a lot easier if

846
00:40:42,560 --> 00:40:44,520
Speaker 1: if it's with your spouse, you both you sit down

847
00:40:44,560 --> 00:40:46,600
Speaker 1: and write these things out and you come together and

848
00:40:46,600 --> 00:40:48,239
Speaker 1: you talk and you figure out, you know, what, where

849
00:40:48,239 --> 00:40:50,440
Speaker 1: do these things intersect and where do they depart from

850
00:40:50,480 --> 00:40:53,239
Speaker 1: one another. But ultimately that list is going to help

851
00:40:53,280 --> 00:40:55,640
Speaker 1: you as you attempt to write this mission statement and

852
00:40:55,680 --> 00:40:59,200
Speaker 1: as you attempt to prioritize the things that matter the

853
00:40:59,239 --> 00:41:01,719
Speaker 1: most to your family in particular. And this may not

854
00:41:01,760 --> 00:41:04,440
Speaker 1: be something that like you've ever done right like this.

855
00:41:04,520 --> 00:41:06,000
Speaker 1: I mean, this isn't like a normal thing that I

856
00:41:06,000 --> 00:41:07,560
Speaker 1: feel like once you kind of you know, you get

857
00:41:07,600 --> 00:41:09,360
Speaker 1: a job and you kind of kind of start falling

858
00:41:09,360 --> 00:41:11,680
Speaker 1: into the rhythms of life, sitting down and taking the

859
00:41:11,719 --> 00:41:13,680
Speaker 1: time to do something like this isn't like a natural

860
00:41:14,239 --> 00:41:16,719
Speaker 1: isn't a natural thing, So it's weird, it's foreign. You're

861
00:41:16,760 --> 00:41:18,680
Speaker 1: just used to the routine in the daily life, and

862
00:41:18,719 --> 00:41:20,560
Speaker 1: so you just kind of fall into the rut and

863
00:41:20,680 --> 00:41:22,480
Speaker 1: you don't really think about these sort of things. You

864
00:41:22,640 --> 00:41:24,520
Speaker 1: very rarely take the time to step back and be

865
00:41:24,560 --> 00:41:26,719
Speaker 1: thoughtful like this, and that's what we're trying to fight.

866
00:41:27,560 --> 00:41:29,400
Speaker 1: And so that being said, like you may not have

867
00:41:29,480 --> 00:41:32,520
Speaker 1: ever really sat down and thought through this, and this

868
00:41:32,600 --> 00:41:35,160
Speaker 1: might require some brainstorming, you know, like think through like

869
00:41:35,239 --> 00:41:38,920
Speaker 1: what are the different possibilities that are out there because

870
00:41:39,000 --> 00:41:41,959
Speaker 1: you can do them. Like, it just takes some prioritization.

871
00:41:42,000 --> 00:41:46,840
Speaker 1: It takes thinking through what is truly important, like listening

872
00:41:46,840 --> 00:41:49,080
Speaker 1: them all out, figuring out what it is that you

873
00:41:49,120 --> 00:41:52,200
Speaker 1: actually want to focus on. And by starting to make

874
00:41:52,200 --> 00:41:54,319
Speaker 1: that list, you'll quickly be able to figure out what

875
00:41:54,320 --> 00:41:57,439
Speaker 1: it is that is more important than the others. Yeah,

876
00:41:57,440 --> 00:42:00,520
Speaker 1: I think that brainstorming is such an important piece because

877
00:42:00,760 --> 00:42:02,560
Speaker 1: we tend to think of things in like a box

878
00:42:03,280 --> 00:42:05,719
Speaker 1: and we can't go outside that box. And like our

879
00:42:05,760 --> 00:42:09,840
Speaker 1: life can really only handle up to these certain limits

880
00:42:09,840 --> 00:42:12,319
Speaker 1: that we've been posted on ourselves. But really, if you

881
00:42:12,360 --> 00:42:15,239
Speaker 1: think big and brainstorm some of these big possibilities that

882
00:42:15,280 --> 00:42:17,800
Speaker 1: could happen in your life, like a six month trek

883
00:42:17,840 --> 00:42:20,480
Speaker 1: around Europe. You know that's a big goal and that's

884
00:42:20,520 --> 00:42:23,719
Speaker 1: really hard for people to achieve. You can get there

885
00:42:24,000 --> 00:42:26,239
Speaker 1: if that's something you prioritize. You have to think it

886
00:42:26,320 --> 00:42:27,960
Speaker 1: up first, and then you have to talk about it,

887
00:42:27,960 --> 00:42:29,960
Speaker 1: and then you have to prioritize your spending to make

888
00:42:29,960 --> 00:42:33,839
Speaker 1: that a possibility. But if you don't brainstorm the possibilities,

889
00:42:33,880 --> 00:42:36,720
Speaker 1: if you're kind of left tabling those hopes and dreams,

890
00:42:37,000 --> 00:42:38,880
Speaker 1: that's a Crumby way to live. You want to be

891
00:42:38,960 --> 00:42:43,319
Speaker 1: intentional enough to think about them and to put those

892
00:42:43,360 --> 00:42:46,560
Speaker 1: possibilities out there as a family or as an individual

893
00:42:47,160 --> 00:42:50,960
Speaker 1: so that you can start working in that direction. For

894
00:42:51,040 --> 00:42:53,040
Speaker 1: some folks that might be a priority. For some folks

895
00:42:53,080 --> 00:42:56,399
Speaker 1: that sounds like a nightmare, right, And so there might

896
00:42:56,400 --> 00:42:58,319
Speaker 1: be the individual who's like, well, no, I just want

897
00:42:58,320 --> 00:43:00,319
Speaker 1: to have like my boat and I want to be

898
00:43:00,360 --> 00:43:03,200
Speaker 1: able to go fishing on the weekends. And for that person,

899
00:43:03,440 --> 00:43:06,239
Speaker 1: if that's what they've identified as like what's important in

900
00:43:06,239 --> 00:43:09,200
Speaker 1: their life, man, go for it, you know, Like that's

901
00:43:09,239 --> 00:43:11,000
Speaker 1: the That's what's so cool about this is that like

902
00:43:11,040 --> 00:43:12,680
Speaker 1: we're not trying to say that there's one way you

903
00:43:12,719 --> 00:43:14,359
Speaker 1: have to do it. We just want you to do

904
00:43:14,440 --> 00:43:16,719
Speaker 1: whatever it is that you want to do and be

905
00:43:17,239 --> 00:43:20,640
Speaker 1: proactive about it and to freaking crush it. Like if

906
00:43:20,680 --> 00:43:23,520
Speaker 1: you want to go and fish every Saturday morning, go

907
00:43:23,600 --> 00:43:26,680
Speaker 1: for it. Like that's that's cool, that's awesome. But think

908
00:43:26,719 --> 00:43:29,759
Speaker 1: about that. Is it fishing or is it the lakehouse?

909
00:43:29,960 --> 00:43:32,040
Speaker 1: You know what I'm saying. Yeah, it's like like which

910
00:43:32,040 --> 00:43:34,359
Speaker 1: one is your priority? And some people would say, well,

911
00:43:34,400 --> 00:43:36,200
Speaker 1: I like to fish, I'm gonna get a lakehouse. Well,

912
00:43:36,560 --> 00:43:38,520
Speaker 1: that's a lot of upkeep. That's a lot. Maybe that

913
00:43:38,600 --> 00:43:40,919
Speaker 1: is your priority, maybe because that's where family gatherings happen

914
00:43:40,960 --> 00:43:42,560
Speaker 1: and stuff like that. Is it the fishing or is

915
00:43:42,600 --> 00:43:45,120
Speaker 1: it the lakehouse? What is it? Or is it fishing

916
00:43:45,200 --> 00:43:47,799
Speaker 1: or is it backpacking across Europe? You know, like there's

917
00:43:47,800 --> 00:43:50,120
Speaker 1: different things for different folks, and we just want you

918
00:43:50,239 --> 00:43:53,120
Speaker 1: to be thoughtful about what it is that you're you're

919
00:43:53,160 --> 00:43:56,240
Speaker 1: doing and to not sort of fall into these ruts

920
00:43:56,280 --> 00:43:58,719
Speaker 1: because people around you are doing those things and you think, oh,

921
00:43:58,880 --> 00:44:01,000
Speaker 1: I guess I should do that as Uh, that's what

922
00:44:01,000 --> 00:44:03,200
Speaker 1: we're trying to avoid. So once you've done this full

923
00:44:03,200 --> 00:44:04,839
Speaker 1: brain storm, I would say the next thing you need

924
00:44:04,920 --> 00:44:08,560
Speaker 1: to do is prioritize. So if you have these big, ambitious,

925
00:44:08,600 --> 00:44:11,600
Speaker 1: lofty goals, you might not be able to do them all,

926
00:44:11,760 --> 00:44:13,719
Speaker 1: or you know, some of them might take a lot

927
00:44:13,800 --> 00:44:16,120
Speaker 1: more time. Like I mentioned earlier, you know, one of

928
00:44:16,120 --> 00:44:18,480
Speaker 1: our goals as a family, at some point, maybe five

929
00:44:18,560 --> 00:44:20,320
Speaker 1: six years from now, I want to be able to

930
00:44:20,360 --> 00:44:23,600
Speaker 1: take three months and travel around the country in an RV.

931
00:44:24,000 --> 00:44:25,640
Speaker 1: You know, my kids will be old enough at that point.

932
00:44:25,920 --> 00:44:27,680
Speaker 1: That's just a memory I want to make with my

933
00:44:27,760 --> 00:44:30,480
Speaker 1: kids and there's all sorts of things that I can prioritize,

934
00:44:30,520 --> 00:44:33,040
Speaker 1: but no, you know, this one's happening way down the line.

935
00:44:33,400 --> 00:44:35,480
Speaker 1: This one is something that I can accomplish next year.

936
00:44:36,080 --> 00:44:39,400
Speaker 1: This one is something I can accomplish tomorrow because I

937
00:44:39,440 --> 00:44:43,120
Speaker 1: just need to make my schedule reflect my priorities at

938
00:44:43,160 --> 00:44:47,320
Speaker 1: the same time. So prioritize those goals, know that you

939
00:44:47,400 --> 00:44:49,880
Speaker 1: might not be able to achieve all of them, and

940
00:44:49,880 --> 00:44:52,000
Speaker 1: then start kind of put your money where your mouth

941
00:44:52,120 --> 00:44:55,759
Speaker 1: is as you prioritize those things out. So let's say, Matt,

942
00:44:55,840 --> 00:44:58,160
Speaker 1: you just did this and you wrote down all these

943
00:44:58,160 --> 00:45:02,160
Speaker 1: things that you prioritized, and a fancy car and a

944
00:45:02,200 --> 00:45:04,880
Speaker 1: three thousand square foot house aren't anywhere in there. But

945
00:45:05,600 --> 00:45:07,320
Speaker 1: as it turns out, you're living in a three thousand

946
00:45:07,320 --> 00:45:09,880
Speaker 1: squarefoot house and you drive a fancy car. What do

947
00:45:09,920 --> 00:45:11,520
Speaker 1: you do because we just said do it, like, what

948
00:45:11,560 --> 00:45:14,000
Speaker 1: do you do? Then? Yeah, man, you you sell them.

949
00:45:14,160 --> 00:45:18,560
Speaker 1: If you've realized that those are not priorities in your

950
00:45:18,560 --> 00:45:20,600
Speaker 1: life and you realize that you're sort of in that position,

951
00:45:20,800 --> 00:45:23,000
Speaker 1: you have control of your life. These aren't things that

952
00:45:23,040 --> 00:45:26,480
Speaker 1: are sort of there and they're unchangeable. These are things

953
00:45:26,560 --> 00:45:30,239
Speaker 1: you can change. Start making a plan, and part of

954
00:45:30,239 --> 00:45:32,239
Speaker 1: that plan might involve, you know, for a lot of

955
00:45:32,239 --> 00:45:35,920
Speaker 1: folks might be selling a house or taking some drastic steps.

956
00:45:36,239 --> 00:45:38,600
Speaker 1: And we're not at all advocating you to like completely

957
00:45:38,640 --> 00:45:42,000
Speaker 1: upend your life, but the first step towards doing that

958
00:45:42,120 --> 00:45:44,440
Speaker 1: is thinking through what that might look like. And I

959
00:45:44,480 --> 00:45:46,560
Speaker 1: think for a lot of folks that might actually look

960
00:45:46,600 --> 00:45:50,680
Speaker 1: like selling a house and and moving, or maybe some

961
00:45:50,880 --> 00:45:53,680
Speaker 1: not so extreme extreme examples, it might just mean like, well,

962
00:45:53,719 --> 00:45:55,279
Speaker 1: maybe that means for us not going out to eat

963
00:45:55,280 --> 00:45:58,000
Speaker 1: as much in instead of putting that money towards travel,

964
00:45:58,040 --> 00:46:00,400
Speaker 1: because that's what we really truly in away and what

965
00:46:00,480 --> 00:46:04,319
Speaker 1: we value. Yeah, I mean, I think realign, realign your

966
00:46:04,320 --> 00:46:08,040
Speaker 1: money allocation to reflect those goals that you've just deemed

967
00:46:08,080 --> 00:46:10,960
Speaker 1: as the most important things. Some of those things might

968
00:46:11,000 --> 00:46:14,200
Speaker 1: take some time, like, for instance, a house. Let's you

969
00:46:14,200 --> 00:46:15,880
Speaker 1: have got this three thousand square foot house, I've got

970
00:46:15,920 --> 00:46:17,479
Speaker 1: a mortgage, I've got all these things, I've got kids,

971
00:46:17,480 --> 00:46:19,200
Speaker 1: we've got to move, all these things that go along

972
00:46:19,239 --> 00:46:24,600
Speaker 1: with it. That might be something that takes time, but

973
00:46:24,680 --> 00:46:26,680
Speaker 1: at least it's on your radar, and at least it's

974
00:46:26,719 --> 00:46:29,279
Speaker 1: something you can start working towards. It's something that you've

975
00:46:29,280 --> 00:46:32,120
Speaker 1: thought about and you've addressed, right, It's it's something that

976
00:46:32,560 --> 00:46:34,480
Speaker 1: you're not gonna be able to solve overnight, but it's

977
00:46:34,520 --> 00:46:37,520
Speaker 1: something that we want you to be conscious to. Or

978
00:46:37,600 --> 00:46:40,319
Speaker 1: I've got a car payment, but you know what, I've

979
00:46:40,320 --> 00:46:44,160
Speaker 1: only got a year left of it, and once I'm done,

980
00:46:44,360 --> 00:46:46,239
Speaker 1: I hold onto this for the next ten years because

981
00:46:46,239 --> 00:46:48,160
Speaker 1: I was just gonna get another lease or another car

982
00:46:48,239 --> 00:46:50,400
Speaker 1: or whatever it may be. But not anymore. Not anymore,

983
00:46:50,440 --> 00:46:52,960
Speaker 1: that's your new car, because it doesn't reflect what I

984
00:46:53,000 --> 00:46:54,799
Speaker 1: truly want, because what I want is more time, or

985
00:46:54,800 --> 00:46:57,440
Speaker 1: what I want is more travel, whatever it is. I

986
00:46:57,560 --> 00:47:02,399
Speaker 1: know that you can change those priorities, and you can

987
00:47:02,480 --> 00:47:06,800
Speaker 1: change your spending to reflect those priorities. And when you do,

988
00:47:07,800 --> 00:47:10,840
Speaker 1: that's the sweet spot. That's a beautiful place in life

989
00:47:11,080 --> 00:47:13,279
Speaker 1: when you can look at your budget, when you can

990
00:47:13,320 --> 00:47:17,200
Speaker 1: look at that outflow and say, you know what that

991
00:47:17,719 --> 00:47:20,880
Speaker 1: really and truly reflects kind of my heart, what I

992
00:47:20,920 --> 00:47:22,880
Speaker 1: want my life look like, what I want my family

993
00:47:23,120 --> 00:47:26,319
Speaker 1: to look like. And I think this is like a pendulum, right,

994
00:47:26,360 --> 00:47:28,440
Speaker 1: Like there's sometimes like I feel like I'm in the

995
00:47:28,440 --> 00:47:30,360
Speaker 1: middle of it, but most of the time I'm like

996
00:47:30,400 --> 00:47:32,000
Speaker 1: a little left or a little right, and I'm not

997
00:47:32,320 --> 00:47:33,960
Speaker 1: not quite in that sweet spot where I want to be.

998
00:47:34,120 --> 00:47:36,480
Speaker 1: It's always sort of changing a little bit here and there, right, Yeah,

999
00:47:36,480 --> 00:47:37,680
Speaker 1: But if you can think about it like that and

1000
00:47:37,719 --> 00:47:39,040
Speaker 1: be like, you know what, I'm way over here on

1001
00:47:39,080 --> 00:47:41,160
Speaker 1: the left, but you know what my goal is, just

1002
00:47:41,239 --> 00:47:43,359
Speaker 1: kind of get it a little more, a little more

1003
00:47:43,360 --> 00:47:46,200
Speaker 1: in equilibrium, a little closer to the center um and

1004
00:47:46,200 --> 00:47:48,920
Speaker 1: and think about it like that pendulum that that's swinging.

1005
00:47:50,120 --> 00:47:52,800
Speaker 1: You have the power, though, to kind of put yourself

1006
00:47:52,840 --> 00:47:56,239
Speaker 1: in that position. It sometimes it takes time. Some some

1007
00:47:56,239 --> 00:47:58,520
Speaker 1: people are gonna have a harder time than others. But

1008
00:47:59,000 --> 00:48:01,399
Speaker 1: you have to start somewhere. You have to start by

1009
00:48:01,520 --> 00:48:03,920
Speaker 1: thinking about it and then doing it. And no one

1010
00:48:03,960 --> 00:48:05,640
Speaker 1: else is gonna do it for you. No one else

1011
00:48:05,680 --> 00:48:09,239
Speaker 1: is gonna realign you're spending to reflect your values. You

1012
00:48:09,280 --> 00:48:12,839
Speaker 1: have to be the main key actor in this. I mean,

1013
00:48:12,880 --> 00:48:14,839
Speaker 1: this is your job and it's your life and you've

1014
00:48:14,840 --> 00:48:17,920
Speaker 1: only got one and I don't know about you, but

1015
00:48:18,520 --> 00:48:21,120
Speaker 1: living a stock lifestyle that's not for me. I want

1016
00:48:21,160 --> 00:48:23,520
Speaker 1: my life to reflect those core values that I have

1017
00:48:24,360 --> 00:48:27,520
Speaker 1: more and more every day every year. And so we're

1018
00:48:27,560 --> 00:48:30,319
Speaker 1: just saying, you know what's slowed down. Stop, take a look,

1019
00:48:30,360 --> 00:48:33,240
Speaker 1: take a minute, and these are I think some actionable

1020
00:48:33,280 --> 00:48:35,799
Speaker 1: points where you can move forward with that. All right,

1021
00:48:35,840 --> 00:48:39,080
Speaker 1: let's stop and take a look at this beer. Mind's

1022
00:48:39,120 --> 00:48:42,759
Speaker 1: all gone. Yeah, that's why we're not racing. But it

1023
00:48:42,760 --> 00:48:44,799
Speaker 1: sounds like we raised sometimes. So, I mean, you know

1024
00:48:44,920 --> 00:48:46,480
Speaker 1: something I love about this beer too. I mean, I

1025
00:48:46,520 --> 00:48:48,120
Speaker 1: guess we kind of touched on this earlier, but this

1026
00:48:48,200 --> 00:48:51,160
Speaker 1: is one of the few six packs that we've that

1027
00:48:51,200 --> 00:48:52,919
Speaker 1: we've had on I mean, we didn't have an entire

1028
00:48:52,960 --> 00:48:54,680
Speaker 1: six pack this. This is a lot of the beers

1029
00:48:54,680 --> 00:48:57,279
Speaker 1: that we've had. Our single bottle is harder to find.

1030
00:48:57,480 --> 00:48:59,920
Speaker 1: They come in the format of like a seven fifty bottle.

1031
00:49:00,239 --> 00:49:02,680
Speaker 1: They might only be available in two or three states.

1032
00:49:02,719 --> 00:49:06,200
Speaker 1: Even so some of them that don't distribute very organ seasonal, Like,

1033
00:49:06,239 --> 00:49:07,680
Speaker 1: I think this is something that you'll see on the

1034
00:49:07,719 --> 00:49:09,839
Speaker 1: shelves I think year round. Uh, and you'll be able

1035
00:49:09,880 --> 00:49:12,839
Speaker 1: to find pretty much anywhere. Yeah, this is really good

1036
00:49:12,880 --> 00:49:17,120
Speaker 1: and it's like juice heavy, it's still really really, really tasty. Yeah.

1037
00:49:17,120 --> 00:49:19,399
Speaker 1: I think it's the best beer I've had from New

1038
00:49:19,440 --> 00:49:22,359
Speaker 1: Belgium that comes in six packs. Yeah, I really like

1039
00:49:22,880 --> 00:49:26,160
Speaker 1: New Belgium's Lips of Face series, which is awesome. Serious, Yeah,

1040
00:49:26,239 --> 00:49:30,839
Speaker 1: that's sort of like single I guess some good ones,

1041
00:49:30,880 --> 00:49:32,640
Speaker 1: so look for those two. But I think this is

1042
00:49:32,640 --> 00:49:34,719
Speaker 1: probably the best release I've had from them that comes

1043
00:49:34,719 --> 00:49:37,160
Speaker 1: out in six packs. This is really tasty. Yeah, I

1044
00:49:37,200 --> 00:49:39,840
Speaker 1: would recommend given it a shot. So if you find

1045
00:49:40,640 --> 00:49:45,040
Speaker 1: Voodoo Ranger Juicy Hayes, I p a at your local

1046
00:49:45,120 --> 00:49:47,680
Speaker 1: grocery store or bottle shop, not even bottle shop, you

1047
00:49:47,680 --> 00:49:50,440
Speaker 1: can just pick this up at It's crazy that that's

1048
00:49:50,440 --> 00:49:52,480
Speaker 1: your big grocery store. It's crazy the amount of good

1049
00:49:52,480 --> 00:49:54,520
Speaker 1: beer you can get at your grocery store now. I mean,

1050
00:49:54,640 --> 00:49:58,279
Speaker 1: so many grocery stores targets, Like there's a lot of

1051
00:49:58,800 --> 00:50:02,200
Speaker 1: grocery change that really starting to um amp up their

1052
00:50:02,239 --> 00:50:04,600
Speaker 1: craft beer selection and that's what folks are wanting. So yeah,

1053
00:50:04,840 --> 00:50:06,759
Speaker 1: so it's really cool to see. I mean, I still

1054
00:50:06,760 --> 00:50:08,520
Speaker 1: prefer to go to my bottle shop. I mean, I think,

1055
00:50:08,640 --> 00:50:10,080
Speaker 1: you know, I'd rather be able to talk to the

1056
00:50:10,160 --> 00:50:12,719
Speaker 1: dude about the beer. And I'm kind of weird about that,

1057
00:50:13,000 --> 00:50:15,000
Speaker 1: but if I need something real quick and the closest

1058
00:50:15,000 --> 00:50:17,000
Speaker 1: place to me is the grocery store, man, it's awesome.

1059
00:50:17,080 --> 00:50:19,040
Speaker 1: This is a good option. And this is a great option,

1060
00:50:19,840 --> 00:50:22,080
Speaker 1: all right, Joel, Let's let's do a quick wrap up.

1061
00:50:22,200 --> 00:50:24,840
Speaker 1: Let's wrap it all right. So first, the big y

1062
00:50:25,040 --> 00:50:28,880
Speaker 1: behind money, save your money. So, and the why behind

1063
00:50:28,960 --> 00:50:33,160
Speaker 1: saving is to eventually have financial freedom. And work is

1064
00:50:33,200 --> 00:50:35,440
Speaker 1: a good thing, but you want to have the option

1065
00:50:35,600 --> 00:50:38,640
Speaker 1: to not work or work less so that you can

1066
00:50:38,680 --> 00:50:41,160
Speaker 1: prioritize your time the way you want to. Yeah, it's

1067
00:50:41,160 --> 00:50:44,240
Speaker 1: about having options. It's not like we're not advocating saving

1068
00:50:44,239 --> 00:50:46,359
Speaker 1: because we love money. It's not to accrue the most

1069
00:50:46,360 --> 00:50:49,800
Speaker 1: money humanly possible. Yeah, we have goals and missions and

1070
00:50:50,239 --> 00:50:52,279
Speaker 1: part of getting to those goals and those missions, and

1071
00:50:52,560 --> 00:50:54,600
Speaker 1: what we spend our money on is spending, right, And

1072
00:50:54,680 --> 00:50:58,200
Speaker 1: so obviously spending has an inverse relationship there with saving.

1073
00:50:58,520 --> 00:51:00,960
Speaker 1: And so we want you to spend your money in

1074
00:51:01,000 --> 00:51:05,319
Speaker 1: ways that are intentional and meaningful and that align with

1075
00:51:05,520 --> 00:51:08,239
Speaker 1: your values in life. Yeah, and so that means not

1076
00:51:08,360 --> 00:51:11,759
Speaker 1: living a default or stock lifestyle. Everyone else around you

1077
00:51:11,800 --> 00:51:13,919
Speaker 1: has two cars and a three thousand square foot house.

1078
00:51:14,120 --> 00:51:16,319
Speaker 1: That doesn't mean that's what you need to do. And

1079
00:51:16,800 --> 00:51:19,080
Speaker 1: maybe that's how you want to live, but be thoughtful

1080
00:51:19,120 --> 00:51:22,080
Speaker 1: about it. And so don't just live the lifestyle that

1081
00:51:22,160 --> 00:51:25,200
Speaker 1: your co workers or friends, or your parents have lived.

1082
00:51:25,480 --> 00:51:28,960
Speaker 1: Make sure that your lifestyle is reflective of what you

1083
00:51:29,000 --> 00:51:31,239
Speaker 1: want your life to look like. And maybe you don't

1084
00:51:31,280 --> 00:51:34,720
Speaker 1: even know what that is. We live in a world

1085
00:51:34,760 --> 00:51:36,680
Speaker 1: that's just so fast, you know, and it's just everything

1086
00:51:36,800 --> 00:51:39,680
Speaker 1: is just happening so quickly. We don't take pause to

1087
00:51:39,840 --> 00:51:41,759
Speaker 1: think through the things that are important to us and

1088
00:51:41,800 --> 00:51:44,319
Speaker 1: the things that we value. And so for a lot

1089
00:51:44,360 --> 00:51:46,959
Speaker 1: of people, including myself, man, this is sort of weird

1090
00:51:47,000 --> 00:51:48,799
Speaker 1: to do, but to sit down and think through, like

1091
00:51:49,000 --> 00:51:53,600
Speaker 1: what's important to me, soul searching, but it's important. It's

1092
00:51:53,640 --> 00:51:55,759
Speaker 1: it can it can be like this big ethereal thing,

1093
00:51:55,800 --> 00:51:57,520
Speaker 1: but like, really you just think through what do you

1094
00:51:57,960 --> 00:51:59,920
Speaker 1: value and what do you find the most enjoyment, And

1095
00:52:00,840 --> 00:52:03,680
Speaker 1: that's what we want you to pursue. That's what we

1096
00:52:03,760 --> 00:52:06,719
Speaker 1: want you to focus your life around. And even the

1097
00:52:06,760 --> 00:52:08,520
Speaker 1: mission Statement, if that's what it takes to kind of

1098
00:52:08,520 --> 00:52:11,160
Speaker 1: create a concise sort of statement that you can refer

1099
00:52:11,239 --> 00:52:14,359
Speaker 1: back to, it makes a lot of life easier. When

1100
00:52:14,400 --> 00:52:16,279
Speaker 1: there's decisions that come up, you can refer back to

1101
00:52:16,320 --> 00:52:20,040
Speaker 1: the mission Statement. So think about how you're spending, think

1102
00:52:20,040 --> 00:52:23,799
Speaker 1: about what brings you joy, prioritize those things that bring

1103
00:52:23,840 --> 00:52:26,920
Speaker 1: you joy and figure out what goals are achievable and

1104
00:52:27,000 --> 00:52:29,839
Speaker 1: the timetable that it might take to reach those and

1105
00:52:29,880 --> 00:52:32,600
Speaker 1: then do it. Yeah, do it. You have control of

1106
00:52:32,640 --> 00:52:35,080
Speaker 1: your life. Like Joel said earlier, you're like the main

1107
00:52:35,160 --> 00:52:37,120
Speaker 1: player in your own life. Nobody else is going to

1108
00:52:37,160 --> 00:52:39,400
Speaker 1: be advocating for you to do the things that you

1109
00:52:39,440 --> 00:52:41,880
Speaker 1: want to do right on. So next time, maybe we'll

1110
00:52:41,920 --> 00:52:45,560
Speaker 1: tackle something a little bit easier. It's really nice when

1111
00:52:45,560 --> 00:52:48,880
Speaker 1: there's like do these three steps and it'll increase your

1112
00:52:48,880 --> 00:52:52,160
Speaker 1: credit score. Things like that are are nice to kind

1113
00:52:52,160 --> 00:52:55,360
Speaker 1: of wrap your head around. This is tough, it is,

1114
00:52:55,400 --> 00:52:57,799
Speaker 1: but hopefully we've given people something to wrestle with. I mean,

1115
00:52:57,800 --> 00:52:59,680
Speaker 1: it makes me want to go back even and and

1116
00:52:59,719 --> 00:53:01,920
Speaker 1: look my goals and talk with my wife about the

1117
00:53:01,960 --> 00:53:03,719
Speaker 1: stuff again. And I feel like it's something that comes

1118
00:53:03,760 --> 00:53:06,360
Speaker 1: up a lot. And if you like this podcast, we

1119
00:53:06,360 --> 00:53:08,960
Speaker 1: would really appreciate it if you would subscribe on Apple

1120
00:53:09,000 --> 00:53:12,200
Speaker 1: Podcasts or wherever you listen, maybe leave a brief review

1121
00:53:12,440 --> 00:53:14,080
Speaker 1: in our home on the web is how to money

1122
00:53:14,120 --> 00:53:16,200
Speaker 1: dot com. Check it out. We'll have some show notes

1123
00:53:16,280 --> 00:53:19,200
Speaker 1: up there for you. So until next time, Man, Best

1124
00:53:19,239 --> 00:53:20,879
Speaker 1: Friends Out, Best Friends Out,