WEBVTT - The Why Behind Money #012 0:00:00.040 --> 0:00:02.760 Welcome to How to Money. I'm Joel and I'm not 0:00:03.240 --> 0:00:18.200 and today we're talking about the why behind money. Today 0:00:18.200 --> 0:00:19.919 on the show, we're going to talk about how to 0:00:20.040 --> 0:00:24.440 implement your values into your spending. So Joel, let's give 0:00:24.480 --> 0:00:28.280 our listeners some updates on Airbnb. So folks, y'all might 0:00:28.320 --> 0:00:31.920 remember our our Airbnb episode where we talked about was 0:00:31.960 --> 0:00:35.000 it episode three? I think so yeah, early on. And 0:00:35.280 --> 0:00:37.040 do you want to go first with sort of where 0:00:37.040 --> 0:00:40.360 you guys are with the airstream? I will because mine sadder, 0:00:42.440 --> 0:00:44.879 so I don't want to play slightly shorter story. I 0:00:44.960 --> 0:00:49.720 found the perfect airstream on this awesome website airstream classifies 0:00:49.760 --> 0:00:51.600 dot com. You don't bump people out, man, they don't. 0:00:52.040 --> 0:00:54.760 I don't want to listeners else. It was the prettiest 0:00:54.800 --> 0:00:58.160 thing ever in it was. It was an airstream margacy, 0:00:58.280 --> 0:01:00.400 which is the argassees are the old the ones that 0:01:00.440 --> 0:01:02.760 were painted. Most of the air streams you think of 0:01:03.280 --> 0:01:07.679 are those like metal glistening, beautiful stain in the steel 0:01:07.760 --> 0:01:10.800 or aluminum. Yeah, that look and they're awesome, but so 0:01:10.840 --> 0:01:12.920 that I really like the painted ones, the argaseas that 0:01:12.959 --> 0:01:15.840 were around from like nineteen seventy two to nineteen seventy eight. 0:01:16.200 --> 0:01:19.119 So I found this awesome one that was about five 0:01:19.200 --> 0:01:21.560 or six hours away from where I live, and I 0:01:21.640 --> 0:01:24.000 was like literally about to hop in the car. I 0:01:24.080 --> 0:01:28.479 was gonna go down there, but I didn't. And so 0:01:28.920 --> 0:01:31.000 here's all the folks can see your face. You're like 0:01:31.040 --> 0:01:35.240 you're torn between like, yeah, you're sad, but you're you're 0:01:35.280 --> 0:01:37.120 I mean you're happy, like you're glad you didn't do it. 0:01:37.160 --> 0:01:38.800 In the end, it's the right move, Yeah, it's the 0:01:38.880 --> 0:01:41.200 right move, but I also see the pain in your face. Yes, 0:01:41.319 --> 0:01:43.560 it's it's sad because it's something I talked about. It's 0:01:43.560 --> 0:01:45.640 something I'm really interested in doing, and I still think 0:01:45.640 --> 0:01:47.360 I will at some point. But here's the reason why 0:01:47.400 --> 0:01:50.200 I didn't. I ended up having a long phone conversation 0:01:50.320 --> 0:01:54.080 with my friend David, and he lives probably you know, 0:01:54.360 --> 0:01:56.400 five or six miles away from where I live and 0:01:56.440 --> 0:02:00.000 rents out almost the exact same kind of trailer and right, yeah, 0:02:00.120 --> 0:02:02.800 so he's been doing it for years now and has 0:02:02.880 --> 0:02:05.760 like he's like an Airbnb SuperHost, has all these great reviews. 0:02:06.480 --> 0:02:12.000 David is single, no kids, and owns his own business, 0:02:12.040 --> 0:02:14.679 so he's pretty flexible. And I talked to him for 0:02:15.000 --> 0:02:17.520 you know, a good long time about his experience, how 0:02:17.520 --> 0:02:19.959 it's been for him, and kind of what I could 0:02:19.960 --> 0:02:22.960 expect if I were to get into this, and he 0:02:23.040 --> 0:02:26.680 really kind of helped me understand that, especially with something 0:02:26.680 --> 0:02:30.160 like an airstream in your backyard versus like, uh, a 0:02:30.200 --> 0:02:32.840 basement apartment or something like that, there's a lot more 0:02:32.919 --> 0:02:35.359 like hand holding and you know, meeting the people that 0:02:35.400 --> 0:02:37.480 are staying in your place like you just you actually 0:02:37.480 --> 0:02:38.760 need to be there for it, and you need to 0:02:38.760 --> 0:02:41.520 introduce yourself to him. And he talked about how essentially 0:02:41.560 --> 0:02:44.920 the experience was incredibly different if he wasn't able to 0:02:44.919 --> 0:02:47.480 meet the guests that was staying there, and so that 0:02:47.600 --> 0:02:50.440 they would once they shook your hand and you got 0:02:50.480 --> 0:02:52.440 to know a couple of details about each other. They 0:02:52.480 --> 0:02:55.200 treated his place like a palace. But if you wasn't 0:02:55.240 --> 0:02:58.400 able to be there, people smoked in it, and um, 0:02:58.440 --> 0:03:01.840 there's there's just so many things that can go wrong, uh, 0:03:02.000 --> 0:03:04.960 that you have to pay attention to on a trailer 0:03:05.040 --> 0:03:08.079 that sits in your backyard a lot more than a 0:03:08.120 --> 0:03:10.720 part of your house. And so talking to him and 0:03:10.720 --> 0:03:12.679 getting all those details, it really helped me think through 0:03:12.760 --> 0:03:15.080 you know what I think, with a full time job 0:03:15.760 --> 0:03:20.280 with two kids, with a awful podcast, that's just terrible 0:03:20.280 --> 0:03:24.680 that no one likes, uh that poor. There's just no 0:03:24.919 --> 0:03:29.120 time in my life to dedicate towards and I think, 0:03:29.240 --> 0:03:31.079 you know, if it was like a basement apartment, we 0:03:31.120 --> 0:03:33.680 could maybe set up some systems and figure some things out. 0:03:34.080 --> 0:03:36.920 But with all the extra attention that something that sits 0:03:36.920 --> 0:03:40.400 in your backyard requires, not to mention, just getting it ready, 0:03:40.920 --> 0:03:43.280 which I was excited about, but and I was also 0:03:43.320 --> 0:03:45.600 excited about meeting the guests, so that was part of 0:03:45.600 --> 0:03:48.040 the fun talking to folks. But lots of times check 0:03:48.080 --> 0:03:50.640 in is between noon and three pm or something like that, 0:03:51.120 --> 0:03:53.560 So it's just tough to make that happen when when 0:03:53.560 --> 0:03:56.760 you have a day job. So for right now, my 0:03:56.760 --> 0:04:01.080 airstream dream putting on hold. But someday I will resurrect 0:04:01.080 --> 0:04:05.080 it from the ashes like a phoenix and it will happen. Yeah, 0:04:05.080 --> 0:04:07.960 I hadn't thought about how it might be different with 0:04:08.040 --> 0:04:11.560 it being specifically an airstream. I guess folks aren't used 0:04:11.560 --> 0:04:13.160 to staying in an air stream, and so there's things 0:04:13.200 --> 0:04:15.040 where they're like, well, how does this work? Or where 0:04:15.360 --> 0:04:19.200 do I put my sheets. I don't know. I don't know, 0:04:19.440 --> 0:04:24.080 I don't something that sounds a little like sheets. Yeah, 0:04:24.360 --> 0:04:27.160 but push this button, does it disappear exactly? Does it 0:04:27.279 --> 0:04:28.920 just end up on the ground outside? A lot of 0:04:29.000 --> 0:04:32.040 questions to answer. Yeah, So I had thought about that, 0:04:32.080 --> 0:04:33.800 But I guess that is a little bit different than 0:04:34.040 --> 0:04:36.280 kind of setting up the basement apartment, which is what 0:04:36.320 --> 0:04:38.640 we're looking at doing. And that was sort of our yea, 0:04:38.960 --> 0:04:40.960 our approach, our angle. I was gonna say, when we 0:04:40.960 --> 0:04:44.880 first recorded, I was like on the yes side, and 0:04:44.960 --> 0:04:47.880 I like, you know, I put on the brakes, and 0:04:47.960 --> 0:04:51.000 you were like, I don't know, man, Man, we weren't 0:04:51.000 --> 0:04:52.840 We weren't sold on it, you know, Like Kate and I. 0:04:52.880 --> 0:04:55.960 We talked about it some. We had briefly talked through 0:04:55.960 --> 0:04:57.520 some of the different pros and cons of it, but 0:04:57.560 --> 0:05:00.000 we hadn't really sat down and thought through the logistics 0:05:00.040 --> 0:05:02.200 of it, I guess, and I don't know. That mean, 0:05:02.240 --> 0:05:04.680 the more we did it, the more we realized that 0:05:04.760 --> 0:05:06.280 we could do that, you know, And so the same 0:05:06.320 --> 0:05:08.600 things I guess that you realized we're going to be 0:05:08.720 --> 0:05:11.760 a problem for you. Um, we realized that that wasn't 0:05:11.760 --> 0:05:13.360 gonna be an issue for us. You know, with me 0:05:13.440 --> 0:05:17.120 being self employed, being at home, I've got flexible hours. 0:05:17.160 --> 0:05:20.160 I'm more than happy to be able to meet some 0:05:20.240 --> 0:05:22.680 guests that that stop in and showing the place and 0:05:23.080 --> 0:05:25.520 hand the keys over, you know. So yeah, the more 0:05:25.600 --> 0:05:27.760 we talked about it, the more we realized that this 0:05:27.760 --> 0:05:30.520 could very well be something that would work for us. 0:05:30.680 --> 0:05:33.120 So your plan has also changed a little bit because 0:05:33.160 --> 0:05:35.800 when we first talked about it, you know, yeah, we're 0:05:35.839 --> 0:05:39.040 essentially talking about doing it by hand and digging, yeah, digging, 0:05:39.320 --> 0:05:41.200 digging it out. I mean you were essentially talking about 0:05:41.200 --> 0:05:44.160 taking your own trouble down underneath the house, clearing out 0:05:44.160 --> 0:05:46.440 the dirt, making some headspace, because right now there's there's 0:05:46.480 --> 0:05:47.960 not a lot of room down there. So how have 0:05:48.000 --> 0:05:50.920 your plans changed? Okay, So here's the big reason why 0:05:50.920 --> 0:05:54.400 that was the case then, because for the photography that 0:05:54.400 --> 0:05:56.760 I do, it was off season, which means I had 0:05:56.800 --> 0:05:58.880 all the time on my hands at that point, and 0:05:59.000 --> 0:06:01.440 thinking through I'm like, oh, yeah, I found that I 0:06:01.480 --> 0:06:05.000 don't look more than three months ahead sometimes and I'm like, oh, 0:06:05.040 --> 0:06:06.479 I'm gonna have this much time for the rest of 0:06:06.480 --> 0:06:08.920 my life, right, And it's like, no, that only lasted 0:06:08.960 --> 0:06:11.279 for like a few weeks before because the season ramped 0:06:11.360 --> 0:06:13.760 up for me and I realized that my time is 0:06:13.760 --> 0:06:15.760 incredibly valuable and I want to spend it with my 0:06:16.240 --> 0:06:20.679 three girls and my wife and my dog and working 0:06:20.720 --> 0:06:24.680 on this awful podcast that we have. So it has changed, 0:06:24.760 --> 0:06:27.680 and after talking about it with Kate, we also realized 0:06:27.720 --> 0:06:29.760 that a way that we could sort of approach this 0:06:29.960 --> 0:06:32.840 would be essentially adding on a small section to the 0:06:32.880 --> 0:06:35.440 back of our house. So instead of sort of excavating 0:06:35.480 --> 0:06:38.160 out from underneath of our existing house, we would be 0:06:38.200 --> 0:06:41.000 digging out on the exterior of our home and then 0:06:41.040 --> 0:06:42.760 sort of building over that where we're gonna put a 0:06:42.760 --> 0:06:45.480 screen in porch. It's gonna be much easier, it's gonna 0:06:45.480 --> 0:06:48.520 make a lot more sense, and it's gonna give us 0:06:48.520 --> 0:06:50.800 a lot more space in the airbnb as well down there, 0:06:50.880 --> 0:06:52.680 which is something we were kind of concerned about from 0:06:52.680 --> 0:06:54.240 the beginning, and that we were able to kind of 0:06:54.240 --> 0:06:58.200 solve that problem by sort of changing up the plans. So, yeah, 0:06:58.240 --> 0:07:00.560 I don't want to dive into the detail us anymore 0:07:00.600 --> 0:07:03.600 than this, but essentially we're moving forward. Man, We've got this. 0:07:03.600 --> 0:07:05.800 This is a bigger project though, because the scope is 0:07:05.880 --> 0:07:09.240 kind of gotten bigger. It is going to require some financing, 0:07:09.480 --> 0:07:12.320 and so I've got that lined up with our credit 0:07:12.400 --> 0:07:15.680 union here in town. Super low closing costs, I mean 0:07:16.000 --> 0:07:19.480 like a few hundred bucks. Actually it was really cheap. Nice, uh, 0:07:19.760 --> 0:07:22.720 I mean we've got a great rate and we've got Yes, 0:07:22.760 --> 0:07:24.840 we've got our financing lockdown, and we're in talks now 0:07:24.880 --> 0:07:28.360 with an architect and we are waiting to get those 0:07:28.400 --> 0:07:31.560 drawings back before we basically get those out to us 0:07:31.600 --> 0:07:35.920 start having builders bid on it. So man, we're pumped. 0:07:36.080 --> 0:07:38.720 I don't want to say we're like for sure moving forward, 0:07:38.720 --> 0:07:41.400 but we were like really close. So we got some 0:07:41.400 --> 0:07:45.400 ballpark figures as well, and yeah, it's gonna fall within 0:07:45.440 --> 0:07:47.480 the range that we're that's gonna work for us, and 0:07:47.520 --> 0:07:49.080 we're gonna still be able to get a good r 0:07:49.120 --> 0:07:51.120 o I with the amount of money that we're gonna 0:07:51.120 --> 0:07:53.280 put into it, and your house will be worth more. So, 0:07:53.320 --> 0:07:54.840 I mean, I think gonna increase the value of our home. 0:07:54.920 --> 0:07:58.480 And without going into any more details, were slightly increasing 0:07:58.520 --> 0:08:00.600 the usability of our house. Well, I think the one 0:08:00.640 --> 0:08:02.400 thing that I'm gonna miss the most, and I have 0:08:02.440 --> 0:08:05.080 a dream that's gonna die as you as you've partake 0:08:05.120 --> 0:08:08.040 in this, Matt, and that's you have this hot tub 0:08:08.360 --> 0:08:11.120 on your back deck right now, and the hot tub's 0:08:11.120 --> 0:08:13.640 gotta go. I've I've actually gonna be gone. Man. I've 0:08:13.640 --> 0:08:16.480 started a petition, uh in the neighborhood to try to 0:08:16.520 --> 0:08:18.720 get you to make it a functioning hot tub, because 0:08:18.800 --> 0:08:20.480 right now it's been since you about the house that's 0:08:20.520 --> 0:08:22.720 been sitting there and not working. Um, And so I've 0:08:22.720 --> 0:08:24.920 got a petition started. Are welcome to take that had 0:08:24.960 --> 0:08:27.520 a lot of signatures and uh no, I wanted to 0:08:27.560 --> 0:08:29.640 be on your porch and I just want to use it. 0:08:29.920 --> 0:08:32.120 You you yeah, you fill it up with your water, buddy, 0:08:32.280 --> 0:08:34.480 and uh you can be the one out there cleaning 0:08:34.480 --> 0:08:37.160 it and testing the chemicals and doing all that. See, 0:08:37.200 --> 0:08:40.199 that's what I'm trying to avoid. So no hot tub 0:08:40.280 --> 0:08:42.480 for me, sadly, and no more hot tub for Matt. 0:08:42.640 --> 0:08:44.480 By the way, if anybody out there wants a free 0:08:44.480 --> 0:08:47.280 hot tub, hit me up. We'll give you my address 0:08:47.480 --> 0:08:50.600 at not Poor Matt on Twitter. Holler Adam, it's all yours. 0:08:51.040 --> 0:08:53.640 Beer time. Let's let's move on. I'm so thirsty, Yeah, 0:08:53.679 --> 0:08:55.520 are you really? I am too? Man, I'm like, really, 0:08:55.559 --> 0:08:57.840 my my mouth is crazy dry. I'm really thirsty, but 0:08:57.840 --> 0:09:01.320 we're gonna drink these not for water, for beer. So 0:09:01.360 --> 0:09:04.959 today we thought we would break open a beer that 0:09:05.520 --> 0:09:08.319 literally probably every single person listening to this I don't know. 0:09:08.360 --> 0:09:11.400 Actually we we did get an email from someone in Budapest, 0:09:11.400 --> 0:09:13.320 and I don't know if they get this beer. So 0:09:13.320 --> 0:09:15.360 we have a listener in Budapest who who's already emailed 0:09:15.400 --> 0:09:17.440 us about um, some of the beers he's drinking. And 0:09:17.480 --> 0:09:18.880 I don't know if you get this beer there, but 0:09:18.960 --> 0:09:21.719 anybody else who lives in the continental United States, you 0:09:21.800 --> 0:09:24.200 probably have access to this beer. It is the New 0:09:24.240 --> 0:09:29.400 Belgium Voodoo Ranger Juicy Hayes I p A. Yeah, so 0:09:29.440 --> 0:09:32.120 the Voodoo Ranger line, it's essentially a new series. It's 0:09:32.120 --> 0:09:34.560 like a new line of I pas that New Belgium 0:09:34.640 --> 0:09:37.160 rolled out. For a while there they just had Ranger, 0:09:38.120 --> 0:09:40.280 but then they took it at to you know, three 0:09:40.280 --> 0:09:42.959 point oh, and now they've got Voodoo Ranger and it's 0:09:42.960 --> 0:09:45.000 a whole new line of of awesome I pas. And 0:09:45.200 --> 0:09:48.000 this one, in particular is a New England style I 0:09:48.120 --> 0:09:49.840 p A. If you can't tell from the name, Juicy 0:09:49.880 --> 0:09:52.800 Hayes I p A they've got like all the all 0:09:52.800 --> 0:09:56.440 the catchphrases that folks are looking for New England style 0:09:56.520 --> 0:09:59.760 so hot right now. Yeah, so I'm really pumped about this. 0:09:59.800 --> 0:10:02.480 It's like you said, the New England style I p 0:10:02.640 --> 0:10:05.480 A is like a craze, a full on craze right now. 0:10:05.720 --> 0:10:07.559 And there's a great article that will post in the 0:10:07.559 --> 0:10:11.280 show notes about these bigger brewers like Jumping on Board 0:10:11.280 --> 0:10:14.840 and so New Belgium, Sam Adams, Sierra Nevada, they've all 0:10:14.880 --> 0:10:16.960 kind of launched their own I p A in this 0:10:17.040 --> 0:10:19.640 New England style and so we'll we'll pust a link 0:10:19.679 --> 0:10:22.040 to that article. It was just interesting to read. Yeah, 0:10:22.200 --> 0:10:24.920 basically just how it's going mainstream now right and and 0:10:25.040 --> 0:10:28.199 some folks will be like time to move on. It's 0:10:28.240 --> 0:10:29.760 like now that the big guys are getting behind it, 0:10:29.760 --> 0:10:32.600 it must you know, must suck now. But no, look 0:10:32.679 --> 0:10:34.520 for for us, we were just get excited about that 0:10:34.520 --> 0:10:36.760 because that's value. You know. Once the big guys started 0:10:36.760 --> 0:10:39.920 getting getting in there and they're able to perfect the 0:10:40.160 --> 0:10:42.040 you know, these recipes and these beers and sort of 0:10:42.360 --> 0:10:45.959 mass produce them, now everybody gets to have an awesome 0:10:46.640 --> 0:10:49.840 I p A that's juicy, way easier to drink than 0:10:49.880 --> 0:10:52.280 some of the traditional I PASS like the West Coast 0:10:52.280 --> 0:10:54.280 I p s for sure, that are crazy bitter and 0:10:54.720 --> 0:10:56.520 have a lot of a lot of bites to them. 0:10:56.760 --> 0:10:58.640 Like guys that don't really like I p a s. 0:10:59.160 --> 0:11:01.040 Give this one a shot. My start with a yeah, 0:11:01.080 --> 0:11:04.360 New England style juicy Hayes I p A. And the 0:11:04.360 --> 0:11:06.400 great thing is, I mean, well, I don't think they're 0:11:06.400 --> 0:11:09.920 gonna be as good as something like Bissell Brothers or Trillium, 0:11:10.440 --> 0:11:12.440 the guys that have been doing it for years now 0:11:12.520 --> 0:11:14.760 and have like just crushed and we've had some of 0:11:14.760 --> 0:11:17.319 their beers and they're absolutely fantastic, or some of the 0:11:17.360 --> 0:11:19.640 breweries out of Vermont that really kind of started this 0:11:19.640 --> 0:11:24.480 this craze. But eight dollars for a six pack, Yeah, yeah, 0:11:24.480 --> 0:11:26.720 So I picked this up at well in the southeast 0:11:26.720 --> 0:11:28.880 we have Kroger, but I'm assuming you can probably get 0:11:28.880 --> 0:11:30.240 in a lot of places. But it was on sale 0:11:30.280 --> 0:11:32.800 so normally and they had it for seven ninety nine. 0:11:32.840 --> 0:11:35.080 That's amazing. Yeah, eight bucks for a six pack. And 0:11:35.080 --> 0:11:37.640 I don't know if it's because they're trying to get 0:11:37.640 --> 0:11:39.400 it launched, well, you know, just so it gets out 0:11:39.400 --> 0:11:40.960 there and folks are able to get their hands on 0:11:41.000 --> 0:11:43.600 and start tasting it. But that's an incredible price I 0:11:43.600 --> 0:11:46.679 could Yeah, I picked up two two six packs. Well, 0:11:46.800 --> 0:11:48.960 going back, yeah, and going back to episode eight, you 0:11:48.960 --> 0:11:50.960 know how to get a deal on craft beer, Like 0:11:51.080 --> 0:11:53.640 we're we we truly think that some of these there's 0:11:53.679 --> 0:11:57.880 some really good nationwide breweries and New Belgium is one 0:11:57.920 --> 0:12:00.240 of them. Uh and so yeah, we need to drink 0:12:00.240 --> 0:12:05.440 this beer right now, do it? I'm thirsties. Look at that, 0:12:05.480 --> 0:12:09.400 poor man. It's not quite like full on orange juice 0:12:09.400 --> 0:12:11.760 like some of those ones out of Vermont, but it 0:12:11.800 --> 0:12:16.920 looks quite orangey. It's awesome. You can't like, I'm holding 0:12:17.559 --> 0:12:19.560 my glass and I can't see my fingers through it, 0:12:19.600 --> 0:12:22.360 which I really like. Yeah, that's a good sign. So 0:12:22.400 --> 0:12:24.840 that's a characteristic of the style is that it's hazy, 0:12:24.880 --> 0:12:27.000 which means it's unfiltered. So it's got a lot of 0:12:27.040 --> 0:12:31.080 those particulate uh, floating around of the beer. But it 0:12:31.120 --> 0:12:33.520 gives it gives it some some awesome flavor. I think 0:12:33.600 --> 0:12:35.920 usually when you filter a beer, you filter some of 0:12:35.960 --> 0:12:37.520 the taste out at the same time, and maybe you 0:12:37.640 --> 0:12:39.760 give it this certain look and the certain quality that 0:12:39.800 --> 0:12:43.280 you want clarity that is traditional, but you're missing out 0:12:43.280 --> 0:12:45.800 on some of those flavors. And so that's kind of 0:12:45.880 --> 0:12:47.480 one of the things that the New England Style has 0:12:47.520 --> 0:12:50.560 introduced is you know, let's not filter our beer and 0:12:50.640 --> 0:12:54.679 let's kind of see what happens. And it does seem 0:12:54.679 --> 0:12:59.240 to retain a more concentrated flavor than an I PA 0:12:59.320 --> 0:13:03.240 that's filtered. It's real nice, man. It goes down easy, 0:13:03.480 --> 0:13:07.319 almost goes down too easy. Yeah, it's really creamy. Even 0:13:07.400 --> 0:13:09.600 most of like the great New England Style i pas 0:13:09.640 --> 0:13:11.960 retained some of that hot bite, like you need like 0:13:12.240 --> 0:13:15.400 some bite to it, and this is like just fluid 0:13:15.520 --> 0:13:18.640 juice almost. It's really good and I can tell that, 0:13:18.760 --> 0:13:20.320 you know, they did a good job making it. But 0:13:21.120 --> 0:13:22.840 this is like an element of what I love about 0:13:22.840 --> 0:13:25.040 I p a s. It feels a little light to me, 0:13:25.760 --> 0:13:28.960 and I'm just like expecting just something a little bit bigger. 0:13:29.200 --> 0:13:30.600 I kind of like to be socked in the face 0:13:30.640 --> 0:13:33.720 with something like this. But for eight bucks of six pack, 0:13:33.800 --> 0:13:37.080 if you're looking for an introduction to the style, then 0:13:37.800 --> 0:13:40.000 I mean, I'd say pick this up because it is 0:13:40.120 --> 0:13:42.720 really solid. I think I would drink this though over 0:13:43.240 --> 0:13:46.280 say most any other New Belgium beers. Right now, you know, Yes, 0:13:46.400 --> 0:13:48.760 I agree. Yeah, if I'm gonna pick up a New 0:13:48.800 --> 0:13:50.959 Belgian or just sort of a daily drinker like that, man, 0:13:50.960 --> 0:13:52.920 I'm totally gonna pick us up. I think it's great. 0:13:53.000 --> 0:13:54.800 I agree, and I think to like you and I 0:13:55.000 --> 0:14:00.079 both just really like this style. So the ability to 0:14:00.160 --> 0:14:03.920 find somebody making essentially, you know, something in this vein 0:14:04.559 --> 0:14:06.800 for eight bucks to six pack. Yeah, I think I'm 0:14:06.800 --> 0:14:09.960 willing to take a little bit lesser quality for an 0:14:10.040 --> 0:14:12.000 eight dollar six pack because a lot of the people 0:14:12.040 --> 0:14:14.520 that are putting just tons and tons and tons of 0:14:14.559 --> 0:14:17.080 hops into these New England style i p as, they 0:14:17.080 --> 0:14:20.600 have to charge you know, fourteen fifteen, sixteen dollars, you know, 0:14:20.680 --> 0:14:25.120 for a six pack, and so they're just really prohibitively expensive. 0:14:25.600 --> 0:14:28.360 So yeah, I agree, I think this one's a worthwhile 0:14:28.720 --> 0:14:33.520 get solid beer, all right, Matt. Today the topic the 0:14:33.640 --> 0:14:37.240 why behind money, And to me, this is such an 0:14:37.320 --> 0:14:40.400 important thing to talk about. I think most people don't 0:14:40.480 --> 0:14:44.960 slow down long enough to think about the question of 0:14:45.040 --> 0:14:49.320 why behind, why they save and why they spend their money. Uh, 0:14:49.360 --> 0:14:52.440 and so their money just becomes allocated randomly to all 0:14:52.480 --> 0:14:56.240 these different places. And today we're going to focus on 0:14:56.520 --> 0:14:59.400 how to figure out the why behind your money so 0:14:59.440 --> 0:15:02.120 that you can prioritize your spending so that it actually 0:15:02.200 --> 0:15:05.960 reflects what you want out of life. Chedule. I'm excited 0:15:06.000 --> 0:15:09.160 about talking about this one as well. I think talking 0:15:09.200 --> 0:15:11.960 about the why behind what what we're gonna do is 0:15:12.480 --> 0:15:14.080 very important. You know, a lot of what we talk 0:15:14.160 --> 0:15:16.640 about are the nuts and bolts, the very practical things 0:15:16.720 --> 0:15:18.320 like how to do this, how to do that. But 0:15:18.720 --> 0:15:22.120 it's very important to know the why behind almost you know, 0:15:22.120 --> 0:15:24.680 pretty much everything that you do. And for some people, 0:15:24.800 --> 0:15:26.960 I think that comes a little bit easier and they 0:15:27.000 --> 0:15:28.640 kind of have a mission and they kind of can 0:15:28.680 --> 0:15:31.440 hit that and and run with it. But um, I 0:15:31.440 --> 0:15:33.760 think some folks do. It's important to talk through the 0:15:33.800 --> 0:15:36.680 why and to help people to know how to address that, 0:15:37.000 --> 0:15:39.240 just like we would help folks think through how to 0:15:39.400 --> 0:15:41.920 even just like improve their credit score things like that. Yeah. 0:15:41.960 --> 0:15:44.560 I think of the question of the why of money 0:15:44.600 --> 0:15:47.760 almost like a fundamental It's almost like shooting pretty throws 0:15:47.760 --> 0:15:49.200 over and over and over to get good at it. 0:15:49.520 --> 0:15:52.800 There's something about this, like repetitively thinking about this and 0:15:52.800 --> 0:15:56.600 and having this kind of in the back of your mind, uh, 0:15:56.760 --> 0:16:00.800 and doing some intentional thought about it over time. Uh, 0:16:00.840 --> 0:16:04.120 because I just remember when so the way I grew 0:16:04.200 --> 0:16:09.080 up with money, Um, my parents awesome people, they weren't 0:16:09.080 --> 0:16:14.000 great with money. And so I learned growing up that 0:16:14.400 --> 0:16:16.560 I wanted to approach money differently. But it kind of 0:16:16.640 --> 0:16:19.120 led me to being like a tight wad and uh 0:16:19.200 --> 0:16:22.360 and super frugal. I didn't know how to use money. Well, 0:16:23.000 --> 0:16:27.720 it really took me sitting down and being incredibly thoughtful 0:16:28.080 --> 0:16:30.240 about what I wanted my life to look like and 0:16:30.240 --> 0:16:35.000 how money intersected that. And so once I did that, 0:16:35.120 --> 0:16:37.560 once I sat down and really kind of put out 0:16:37.600 --> 0:16:41.160 my life goals and saw how to apportion my money 0:16:41.200 --> 0:16:44.600 to make those things a reality, it really helped clear 0:16:44.680 --> 0:16:47.520 up my relationship with money. It wasn't like money is 0:16:47.560 --> 0:16:50.880 a scary thing or money is this is this thing 0:16:50.920 --> 0:16:53.720 that I just need to amass like a ridiculous amount 0:16:53.760 --> 0:16:57.960 of It became this easy way to kind of unify 0:16:58.160 --> 0:17:00.200 my whole life. Well, these are things I enjoyed, and 0:17:00.280 --> 0:17:02.680 here's how money can kind of is a part of that, 0:17:02.760 --> 0:17:05.320 and it helps me achieve what I ultimately want. Um. 0:17:05.840 --> 0:17:08.000 Without doing that, though, I think I would still be 0:17:08.040 --> 0:17:14.080 this just ridiculously frugal, not generous person with an awkward 0:17:14.080 --> 0:17:17.000 attachment to money as opposed to like a well thought through, 0:17:17.720 --> 0:17:20.439 fruitful attachment to money. Yeah you have more, You have 0:17:20.520 --> 0:17:23.560 more like the Uncle Scrooge miserly approached to it right, 0:17:23.640 --> 0:17:25.600 where like you have this view of money as being 0:17:25.640 --> 0:17:28.840 this sort of slippery thing that's just always trying to 0:17:29.000 --> 0:17:31.040 escape and I gotta go dive in it every day 0:17:31.080 --> 0:17:35.840 just to you know, fulfilled versus uh, using it like 0:17:35.880 --> 0:17:37.840 a tool. And that's what we're gonna be talking about today, 0:17:37.920 --> 0:17:42.240 is is approaching money from the standpoint of why behind 0:17:42.280 --> 0:17:44.280 why we save money and and sort of the why 0:17:44.320 --> 0:17:47.000 behind why we spend money. You know, why do we save? 0:17:47.080 --> 0:17:51.040 We save essentially to become financially independent at some point 0:17:51.119 --> 0:17:52.320 like down the road we want we want to be 0:17:52.359 --> 0:17:55.400 able to retire or to be financially independent to where 0:17:55.440 --> 0:17:57.960 we have the option to work or to not work 0:17:58.560 --> 0:18:02.600 and secures to be responsible essentially, you know, in the end, 0:18:02.640 --> 0:18:06.440 it's it's not about not living up fulfilling life necessarily, 0:18:06.480 --> 0:18:09.320 but it's about kind of being responsible and making sure 0:18:09.359 --> 0:18:11.639 you're kind of taking care of your future self. I 0:18:11.640 --> 0:18:14.639 think when it boils down to like why do I save. 0:18:14.840 --> 0:18:17.880 I think there's there's like two real reasons for me, 0:18:18.320 --> 0:18:21.119 and one of one reason is I don't want to 0:18:21.119 --> 0:18:23.440 be worried about money at night. I don't want to 0:18:23.760 --> 0:18:26.040 not be able to get to sleep because I've got 0:18:26.040 --> 0:18:29.440 a bill that I can't pay, or because there's there's 0:18:29.440 --> 0:18:31.359 something lingering on the horizon that I know I'm not 0:18:31.359 --> 0:18:35.000 gonna be able to afford. I want a peaceful feeling 0:18:35.000 --> 0:18:38.840 about money, and so I save because I want to 0:18:38.920 --> 0:18:40.679 be able to sleep well at night. And I know 0:18:40.760 --> 0:18:42.720 that that's an issue probably for some of your listeners 0:18:42.720 --> 0:18:46.040 out there, that is something like, you know what, Yeah, 0:18:46.119 --> 0:18:47.959 that's a problem I have, and I can't sleep well 0:18:48.040 --> 0:18:50.879 at night because my money issues are so great. The 0:18:50.960 --> 0:18:54.800 other reason that I want to save money is ultimately 0:18:54.880 --> 0:18:57.000 kind of what you're just talking about, Matt, is freedom. 0:18:57.040 --> 0:19:00.280 I want to be free to make whatever cho ice 0:19:00.320 --> 0:19:04.080 I want to make. I want freedom to decide that 0:19:04.160 --> 0:19:05.920 I want to work less or that I want to 0:19:05.960 --> 0:19:08.360 work more on exactly what I want to work on. 0:19:08.800 --> 0:19:12.560 So that something to be related, possibly maybe some Krummy 0:19:12.640 --> 0:19:16.040 podcast name I don't know or to that's like the 0:19:16.160 --> 0:19:19.760 third hit uh we've dealt towards Poorn up for it's self, 0:19:19.800 --> 0:19:22.639 deprecating that at poorn up like we love you podcasts, 0:19:23.440 --> 0:19:25.919 you always should treat it nicely, uh, And or you 0:19:25.960 --> 0:19:28.680 know what, just pack up in in a camp or 0:19:28.840 --> 0:19:31.119 something like that and take three months to ground the 0:19:31.119 --> 0:19:33.679 country with my family, whatever it is. I want the 0:19:33.760 --> 0:19:35.600 freedom to be able to make some of those choices 0:19:36.080 --> 0:19:39.320 and saving money. Being intentional with your money over the 0:19:39.359 --> 0:19:42.800 long term, you can make choices like that, and I 0:19:42.840 --> 0:19:46.360 think sometimes starting out day one that seems impossible. But 0:19:46.840 --> 0:19:49.040 if you are in this for the long haul and 0:19:49.359 --> 0:19:53.320 intentional about your savings, that is possible, and that is 0:19:53.359 --> 0:19:56.680 a worthy thing to be aimed for. Yeah, having those 0:19:56.720 --> 0:20:00.080 long term goals is hugely important. We don't save an 0:20:00.160 --> 0:20:02.840 because we love money. There's goals and things that we 0:20:02.880 --> 0:20:06.280 want to do long term and that's what fuels us. 0:20:06.520 --> 0:20:09.400 That gives us the why behind why we save. So Matt, 0:20:09.480 --> 0:20:12.760 knowing your why behind money actually makes saving a lot 0:20:12.800 --> 0:20:16.320 easier because, let's say my ultimate goal is too in 0:20:16.359 --> 0:20:19.280 five years take my family on this cross country road trip, 0:20:19.440 --> 0:20:23.040 and that's something I'm really interested in doing. Saving money 0:20:23.080 --> 0:20:26.879 today with that goal in mind, it makes it a 0:20:26.880 --> 0:20:28.920 heck of a lot easier. If I'm just like, that's 0:20:28.920 --> 0:20:31.280 your fuel. Right, If I'm just saving because it's a 0:20:31.320 --> 0:20:34.160 percentage on a piece of paper, or because it is 0:20:34.280 --> 0:20:36.280 what you know, Matt and Joel told me to do, 0:20:36.480 --> 0:20:38.879 or what a blog post told me to do, the 0:20:38.920 --> 0:20:43.320 implications for me actually doing that saving are not good. 0:20:43.600 --> 0:20:46.840 But when I attach actual hopes and dreams to it, 0:20:47.200 --> 0:20:51.399 then it makes my desire an ability to save grow 0:20:51.600 --> 0:20:54.520 because it it just grows in importance for me. Yeah, 0:20:54.520 --> 0:20:57.480 you're tying that motivation to something tangible, into something real 0:20:57.520 --> 0:20:59.880 in your life that you actually want to do other 0:21:00.040 --> 0:21:02.800 than you know, besides some percentage or some number that 0:21:02.840 --> 0:21:06.000 you have written down on a piece of paper, right exactly. Yeah, 0:21:06.240 --> 0:21:09.840 we don't love money. The reason why behind saving that 0:21:09.880 --> 0:21:11.960 we save isn't because we love money. It's because we 0:21:12.000 --> 0:21:15.480 have these goals that we are pursuing and that's what 0:21:15.560 --> 0:21:18.480 fuels us. And it's a tool to achieve those goals. 0:21:19.080 --> 0:21:22.159 And so we could spend the rest of the podcast 0:21:22.240 --> 0:21:25.040 talking about saving because there's so much, so many different 0:21:25.040 --> 0:21:27.640 aspects that we can approach it from, but we're gonna 0:21:27.760 --> 0:21:32.120 attempt to leave it and now talk about more the Actually, 0:21:32.200 --> 0:21:33.920 I think for a lot of folks might be considered 0:21:33.920 --> 0:21:36.000 more of the fun aspect of the wide behind money, 0:21:36.000 --> 0:21:39.399 which is spending. So there's obviously you save or you spend. 0:21:39.840 --> 0:21:43.280 And so we just touched briefly on saving, and hopefully 0:21:43.280 --> 0:21:46.000 down the road will we'll dedicate an entire episode to saving. 0:21:46.040 --> 0:21:48.320 But but yeah, you wanna talk about spending now, and 0:21:48.320 --> 0:21:51.399 and basically we're gonna talk about why we spend money 0:21:51.400 --> 0:21:54.439 on what we do. So essentially it comes down to 0:21:55.400 --> 0:21:57.840 we want to be intentional to spend our money on 0:21:57.960 --> 0:22:01.879 things that we truly enjoy, and that ultimately means that 0:22:01.920 --> 0:22:04.440 you have to prioritize things because I mean, I think 0:22:04.480 --> 0:22:06.200 in a perfect world a lot of things I would 0:22:06.240 --> 0:22:09.200 want to do, and I certainly can't do them all today. 0:22:09.240 --> 0:22:11.600 I can't do them all tomorrow. I might not even 0:22:11.640 --> 0:22:13.520 be able to get to all of them in my lifetime. 0:22:13.880 --> 0:22:16.800 But I have to come out with a list of 0:22:16.800 --> 0:22:19.520 things that I prioritize, and how you allocate your money 0:22:19.520 --> 0:22:23.880 should reflect those priorities that you have written down. Yeah, 0:22:24.000 --> 0:22:26.119 kind of touching on that. I feel like I'm starting 0:22:26.160 --> 0:22:29.199 to to realize man, that like, even if I had 0:22:29.240 --> 0:22:30.840 all the money in the world, which I do not, 0:22:31.520 --> 0:22:33.920 I don't have all the time in the world. You know. 0:22:33.960 --> 0:22:35.400 I don't know if that's gonna be like me kind 0:22:35.400 --> 0:22:39.240 of getting old, like old man Matt now, but I'm 0:22:39.280 --> 0:22:42.240 realizing that there's just so much time in the world 0:22:42.280 --> 0:22:45.080 and and and that's kind of becoming maybe the more 0:22:45.160 --> 0:22:48.359 and more rare resource in my life. And and so 0:22:48.400 --> 0:22:52.520 it's it's a prioritization not only for from a financial standpoint, 0:22:52.600 --> 0:22:54.880 but from a time again we're gonna we're talking about money, 0:22:54.920 --> 0:22:57.760 We're not gonna talk about time, uh today. But it 0:22:57.800 --> 0:22:59.359 all kind of ties together, you know, like have you 0:22:59.400 --> 0:23:01.640 ever had this thought? Oh? Yeah? And I think this 0:23:01.720 --> 0:23:04.600 thought process should take us all through what do we 0:23:04.680 --> 0:23:06.879 want our work life to look like? Too? And like 0:23:06.960 --> 0:23:10.159 how much money do we want to make? And I 0:23:10.200 --> 0:23:12.960 think this is like really really crucial, really really important 0:23:12.960 --> 0:23:15.479 to what we decided to do with our you know, 0:23:15.800 --> 0:23:19.639 thirty or forty or fifty hour a week work lives 0:23:19.680 --> 0:23:25.159 as well, because it really should and and hopefully, uh 0:23:25.320 --> 0:23:27.560 for me at least, it made me decide to do 0:23:27.640 --> 0:23:31.040 something that I think probably pays a little bit less 0:23:31.080 --> 0:23:34.960 than than other things might because it's meaningful work. And 0:23:35.000 --> 0:23:38.399 also that job allows me the flexibility to do some 0:23:38.480 --> 0:23:40.919 of these other things that maybe are low cost, but 0:23:41.560 --> 0:23:45.200 they require time and so so I have I get 0:23:45.240 --> 0:23:47.520 paid less, but you know, I'm I'm able to have 0:23:47.760 --> 0:23:50.320 more time to dedicate to some of these things that 0:23:50.680 --> 0:23:54.000 are low cost but there high benefit on the joy 0:23:54.040 --> 0:23:56.440 meter for me. So Matt and I each wrote down 0:23:56.440 --> 0:23:59.080 three items on on our lists, and these are things 0:23:59.119 --> 0:24:01.160 that I've thought about for a long time, and these 0:24:01.200 --> 0:24:02.600 are uh, there are a lot of things that I 0:24:02.600 --> 0:24:05.000 could tell you that I prioritize that are like free 0:24:05.080 --> 0:24:07.520 or close to free. Uh. And we touched on it, 0:24:07.640 --> 0:24:10.160 you know in an earlier episode nerdy board games super 0:24:10.240 --> 0:24:13.879 cheap they take time though, time and friends and community, 0:24:13.960 --> 0:24:16.800 right like, and so to me, stuff like that's really essential. 0:24:17.119 --> 0:24:20.000 But I particularly wanted to pick out three things that 0:24:20.200 --> 0:24:22.800 we spend money on, I actually spend money on, So yeah, 0:24:22.800 --> 0:24:24.960 that actually really costs money and not just a few 0:24:24.960 --> 0:24:27.480 bucks here and there. Uh, in those three things for 0:24:27.600 --> 0:24:31.240 me that spoke the most to me. Um, and that 0:24:31.359 --> 0:24:33.600 when I spend my money there, I'm like really really 0:24:33.640 --> 0:24:39.440 happy to do. So we're travel, craft beer, and folk art. 0:24:39.760 --> 0:24:41.119 I Mean, I feel like craft beer should be on 0:24:41.160 --> 0:24:43.399 my list two, but it's not I know, man, I 0:24:43.400 --> 0:24:45.480 mean I feel like, I mean, it's it's like you 0:24:45.520 --> 0:24:49.200 let to tell the podcast you should get another another 0:24:49.240 --> 0:24:50.840 free be because I mean craft here is gonna be 0:24:50.880 --> 0:24:51.840 one of I mean it should be one of mine 0:24:51.880 --> 0:24:53.720 as well. I mean obviously we you know, we love, 0:24:54.280 --> 0:24:57.639 we live enjoying uh delicious craft beer, and that's something 0:24:57.680 --> 0:24:59.560 that we do spend more money on maybe than the 0:24:59.600 --> 0:25:02.800 typical person out there. Yeah. I think for me, putting 0:25:02.800 --> 0:25:05.800 this down on my list gave me the ability to 0:25:05.960 --> 0:25:08.200 prioritize more of my money towards that because I think 0:25:08.200 --> 0:25:09.800 for a while I was like trying to straddle this 0:25:09.880 --> 0:25:11.720 line and I was like, well, if I drink Miller 0:25:11.800 --> 0:25:13.480 High Life four nights a week, I can drink a 0:25:13.480 --> 0:25:16.359 good craft beer on the weekend. And putting this down 0:25:16.359 --> 0:25:17.840 in my line on I'm like, hey, you know what, 0:25:17.920 --> 0:25:21.639 this is one of those few things that you highly prioritize. 0:25:21.760 --> 0:25:25.199 This is one of your wise like don't don't not 0:25:25.280 --> 0:25:28.200 drink a Voodoo Ranger, you know, on a Tuesday night 0:25:28.400 --> 0:25:31.320 if that's what you want to do, because you've given 0:25:31.320 --> 0:25:34.600 yourself the financial ability to do so. And so just 0:25:34.680 --> 0:25:37.920 withholding that from myself was really not reflective of my values. 0:25:38.200 --> 0:25:41.040 So it's really important for me to write it down 0:25:41.400 --> 0:25:42.639 and to kind of have that in the forefront of 0:25:42.680 --> 0:25:44.040 my mind so that when I do go into the 0:25:44.119 --> 0:25:46.880 craft beer shop every other week, I don't feel bad, 0:25:47.200 --> 0:25:51.840 you know, dropping forty bucks on beer because it is 0:25:51.880 --> 0:25:54.240 something that I value is a high priority. And real quick, 0:25:54.240 --> 0:25:57.760 I'll just say the other things. People probably like folk art, 0:25:57.800 --> 0:26:00.320 what's that? I don't know, will maybe we'll posted to 0:26:00.320 --> 0:26:02.480 pictures the same most folks know travel. I mean, you know, 0:26:02.520 --> 0:26:04.400 folks can kind of relate to that. But yeah, folk cart, 0:26:04.400 --> 0:26:06.879 don't you like explained to folks what it is about 0:26:06.880 --> 0:26:09.440 that that you're drawn to? Man, I'm just obsessed with 0:26:09.840 --> 0:26:15.840 the colors and the subject matter. And essentially the definition 0:26:15.880 --> 0:26:18.119 really of a folk artist is an untrained artist that 0:26:18.200 --> 0:26:20.239 speaks to your heart. In fact that someone can kind 0:26:20.240 --> 0:26:21.320 of just come in there and kind of do whatever 0:26:21.359 --> 0:26:23.520 they want and it does it's pretty cool. Yeah, there's 0:26:23.520 --> 0:26:25.760 like no rules to it, really, you know, you're you're 0:26:25.800 --> 0:26:29.280 not now you'll find a little bit of folk art museums, 0:26:29.320 --> 0:26:31.879 but there's so much like urban folk art two that 0:26:32.040 --> 0:26:35.240 really speaks to me that is even completely different than 0:26:35.880 --> 0:26:39.880 what was traditionally more of a southern Southern thing of 0:26:39.880 --> 0:26:43.000 of folk art, untrained artists, Howard Finster being you know, 0:26:43.000 --> 0:26:45.359 one of the most recognizable and well, you know, in 0:26:45.400 --> 0:26:46.960 the show notes, maybe we'll post a link to a 0:26:46.960 --> 0:26:48.760 couple of guys that I like to follow and I 0:26:48.800 --> 0:26:51.119 like to buy their pieces. But really, just like local 0:26:51.200 --> 0:26:53.359 art and folk art, I'm I'm just really into it, 0:26:53.400 --> 0:26:56.359 and so we have I will not put up like 0:26:56.440 --> 0:26:58.200 a piece of art from home goods in my house 0:26:58.280 --> 0:27:00.240 or something like that. Like I just won't buy a 0:27:00.280 --> 0:27:04.199 piece of art on Amazon. That's I mean, I know 0:27:04.240 --> 0:27:07.000 you've got some Thomas Kincaid in your bedroom, Matt, but uh, 0:27:08.320 --> 0:27:11.719 I do not. I'm just not a fan of it. 0:27:11.800 --> 0:27:14.280 I need these individualized pieces that speak to me, and 0:27:14.640 --> 0:27:17.040 so Emily and I have prioritized that. And sometimes, you know, 0:27:17.080 --> 0:27:19.320 these pieces are hundreds and hundreds of dollars. But it's 0:27:19.320 --> 0:27:21.120 something that we say, you know what, once a year, 0:27:21.960 --> 0:27:24.320 maybe twice a year, you know, we find a piece 0:27:24.359 --> 0:27:28.119 of art and usually it's a our anniversary celebration. You know, 0:27:28.119 --> 0:27:30.600 we get an awesome piece of art and it's fun 0:27:30.640 --> 0:27:32.040 to be like, oh, that's what we got your one, 0:27:32.080 --> 0:27:34.000 that's what we got your two. That's what we got 0:27:34.040 --> 0:27:36.560 your five and just to remember go down you know, 0:27:36.640 --> 0:27:39.920 memory road and say, you know, it's a reminder for 0:27:40.040 --> 0:27:43.240 us of our love and our love of art. And 0:27:43.320 --> 0:27:45.000 people walk into our house and I think it's one 0:27:45.000 --> 0:27:48.280 of the most instantly recognizable things. People are like, oh, 0:27:48.320 --> 0:27:50.479 you've got a lot of weird paintings in here. And 0:27:50.560 --> 0:27:53.000 so that's just kind of kind of fun too that 0:27:53.240 --> 0:27:56.520 it's visible in that way too, So like a raccoon 0:27:56.600 --> 0:28:01.920 sitting on a dock, ex exactly like the quintessential, Like 0:28:02.440 --> 0:28:06.639 what's the folk artist? Well maybe that so yeah, but 0:28:06.760 --> 0:28:09.440 writing those things down, travel, polk art, craft, beer, I'm 0:28:09.480 --> 0:28:12.840 now I don't feel bad allocating, you know, large amounts 0:28:12.840 --> 0:28:15.000 of money of those things. Those are kind of my 0:28:15.400 --> 0:28:18.800 spending wise, and it's really fun to get to like 0:28:19.000 --> 0:28:21.840 think about those. So, Matt, we talked about my three wise, 0:28:21.880 --> 0:28:25.239 and you know, one of them is weird. Uh, what 0:28:25.240 --> 0:28:27.600 what are yours? Yeah, Joe, So my three that I've 0:28:27.600 --> 0:28:31.200 got down are our house and I wrote down a 0:28:31.359 --> 0:28:34.520 t l ut d which is our soccer team, Atlanta United, 0:28:35.520 --> 0:28:38.760 and uh and bikes, which is kind of like beer 0:28:38.800 --> 0:28:40.720 for you. It's something you enjoy as well, right, ye. 0:28:41.000 --> 0:28:42.920 But yeah, so let's I mean, we we did a 0:28:42.960 --> 0:28:45.360 whole episode on bikes, how much joy it brings us, 0:28:45.360 --> 0:28:48.600 How it satisfies so many different things in our lives. Yeah, 0:28:48.720 --> 0:28:52.360 from a physical fitness, from a money saving standpoint, from 0:28:52.400 --> 0:28:55.680 just a community standpoint. There's so much joy that I 0:28:55.720 --> 0:28:59.040 get out of being on my bike and getting my 0:28:59.080 --> 0:29:01.440 daughters on the bike because well and getting out there 0:29:01.480 --> 0:29:03.840 so and buying a new bike. Oh yeah, just about 0:29:03.880 --> 0:29:05.800 your wife a new bike. You've got a few bikes, like, 0:29:06.080 --> 0:29:08.560 they cost money. So yeah, So that's why we have 0:29:08.600 --> 0:29:10.760 to prioritize it is because it I mean, it does 0:29:10.800 --> 0:29:12.920 cost money, and so it's it's something that we kind 0:29:12.920 --> 0:29:15.120 of need to budget for. And it's something that some 0:29:15.160 --> 0:29:17.760 people don't and that's fine because for them it's not 0:29:17.800 --> 0:29:19.800 a priority. But for us, it's a priority, and it's 0:29:19.840 --> 0:29:21.680 something that we're intentional about. All right. So when you 0:29:21.680 --> 0:29:25.080 wrote down house, um, I completely see this, Like there's 0:29:25.120 --> 0:29:27.880 a completely different mindset for you than me about our 0:29:28.000 --> 0:29:30.320 about our homes. And so for us it's more like 0:29:30.840 --> 0:29:33.280 a line item that I'm trying to lessen the amount 0:29:33.280 --> 0:29:35.200 that we spend on it. But for you, I can 0:29:35.240 --> 0:29:37.560 see why it's a priority. You work from home, you 0:29:37.600 --> 0:29:40.640 have a larger family than I do too, and so uh, 0:29:40.760 --> 0:29:42.800 it's it makes sense that you prioritize this more. But 0:29:42.880 --> 0:29:44.719 you can talk to me about that a little bit. Yeah, well, 0:29:44.720 --> 0:29:46.560 the so you you nail the first one on the head, right. 0:29:46.600 --> 0:29:49.080 So I work, I work from home, and so I 0:29:49.200 --> 0:29:54.040 spend of my time at home. I'm not the kind 0:29:54.040 --> 0:29:55.680 of guy that needs to get out and kind of 0:29:55.680 --> 0:29:58.080 getting the coffee shop to be productive and get stuff done. 0:29:58.760 --> 0:30:00.760 You know, I like ruining my own coffee and staying 0:30:00.760 --> 0:30:03.400 at home and saving money. And I set up front 0:30:03.400 --> 0:30:05.080 in front of our house and in the office. You 0:30:05.120 --> 0:30:07.040 need more space for that. And for a guy that's 0:30:07.040 --> 0:30:09.560 working sixty hours a week, you know, maybe at home 0:30:10.240 --> 0:30:12.600 shouldn't be or isn't as much of a priority or 0:30:12.680 --> 0:30:15.400 barely there. You're traveling like a consultant man. Literally, if 0:30:15.400 --> 0:30:17.840 you're living out of a hotel Monday through Thursday and 0:30:17.880 --> 0:30:20.440 then you're you're flying home, it may not and probably 0:30:20.440 --> 0:30:22.440 shouldn't be a priority for you. But but for us 0:30:22.520 --> 0:30:25.280 having ah we're a family of five now plus Stella, 0:30:25.760 --> 0:30:28.480 But it's it's something that that we are that is 0:30:28.480 --> 0:30:30.080 a priority for us, and That's the other thing too, 0:30:30.120 --> 0:30:32.400 is our family. That's something that Kate and I have. 0:30:33.040 --> 0:30:35.440 We sat down there, we talked about and for the 0:30:35.480 --> 0:30:38.400 next six to eighteen years, we're gonna be home a lot. 0:30:38.480 --> 0:30:40.479 You know, we've got kids, We're gonna the girls are 0:30:40.480 --> 0:30:42.440 gonna be in school. We're gonna be spending a lot 0:30:42.520 --> 0:30:44.760 of time at home doing the home life kind of thing. 0:30:44.960 --> 0:30:48.240 Kate loves cooking, She's oftentimes in the kitchen. They're cooking 0:30:48.240 --> 0:30:50.800 with the girls, and we're teaching them there sort of 0:30:50.840 --> 0:30:54.000 in real life situations. We realized it became a priority 0:30:54.040 --> 0:30:57.560 for us from that standpoint. Not only do I spend 0:30:57.560 --> 0:30:59.840 a lot of time at home working, not only is 0:30:59.840 --> 0:31:02.880 it my home office and where I keep my gear, 0:31:03.560 --> 0:31:06.280 but it's also where we were raising our family, are 0:31:06.320 --> 0:31:10.320 growing family, and yes, we will be traveling and we 0:31:10.400 --> 0:31:12.320 love to travel. You know. That's something that you know 0:31:12.320 --> 0:31:14.240 that that you mentioned, and a lot of people resonate 0:31:14.240 --> 0:31:17.040 with that. I think it will become more and more priority, 0:31:17.120 --> 0:31:20.000 as as are our girls kind of age up. So 0:31:20.080 --> 0:31:22.000 two things. You said, you're growing family. Do you have 0:31:22.040 --> 0:31:24.080 some news you want to share with the podcast audience? 0:31:24.160 --> 0:31:26.520 I do not, okay, all right? And that would have 0:31:26.520 --> 0:31:29.000 been news to me too, so I was interested, uh, 0:31:29.040 --> 0:31:30.960 and it would be news to me, sir. And you 0:31:30.960 --> 0:31:34.800 guys are really into two hosting neighbors having people over too, 0:31:35.040 --> 0:31:38.680 And that is another reason to to prioritize your home, 0:31:38.720 --> 0:31:42.520 because if that means, you know, you're going out less uh, 0:31:42.560 --> 0:31:45.480 two restaurants, to entertainment, to movies, all those things, and 0:31:45.520 --> 0:31:49.400 you're having people over, that's a reason to prioritize kind 0:31:49.400 --> 0:31:52.240 of your home in that way. I think you obviously, 0:31:52.360 --> 0:31:54.320 in moderation, you have to be smart about it. But 0:31:54.760 --> 0:31:57.640 you know, you guys prioritize a lot of things about 0:31:58.160 --> 0:32:00.520 having this home that you have. You certainly have to 0:32:00.520 --> 0:32:02.080 cut back in a lot of other areas, but the 0:32:02.120 --> 0:32:05.040 fact that you've made this such an important piece of 0:32:05.080 --> 0:32:07.400 your life, it makes a lot of sense, and I 0:32:07.400 --> 0:32:10.280 think it reflects what you value in the right ways. 0:32:10.720 --> 0:32:12.760 So I think one of the things Matt, that can 0:32:12.800 --> 0:32:16.680 help people think about this properly. Some folks do what 0:32:16.760 --> 0:32:22.400 their quote unquote supposed to do, and they follow kind 0:32:22.440 --> 0:32:25.520 of the pattern that their neighbors or their parents or 0:32:25.600 --> 0:32:28.520 the people around them sept for them. I distinctly remember 0:32:28.760 --> 0:32:32.000 my dad telling me that when he moved across the 0:32:32.040 --> 0:32:36.120 country for this job. Not too long after college. One 0:32:36.160 --> 0:32:38.440 of his co workers told him, you know what, by 0:32:38.560 --> 0:32:40.880 by a little bit bigger house than you can afford, 0:32:40.960 --> 0:32:43.520 because because you're gonna get promotions and you're gonna get raises, 0:32:43.560 --> 0:32:45.680 and you know, eventually, like you're gonna be in the 0:32:45.680 --> 0:32:47.560 house of your dreams and you're gonna be able to 0:32:47.600 --> 0:32:49.160 afford it. It's just gonna be a little type for 0:32:49.160 --> 0:32:51.960 a couple of years. That's essentially what my dad was told. 0:32:52.080 --> 0:32:54.960 And that's that's just terrible advice. I think people make 0:32:55.000 --> 0:33:00.479 decisions based on what a stock quintessential American lifestyle looks like, 0:33:01.280 --> 0:33:05.320 and they forget to take stock of what they actually want, 0:33:05.400 --> 0:33:08.880 like what's actually important to them. Yeah, it's just it's 0:33:08.920 --> 0:33:13.160 kind of this mind mindlessly wandering and taking the default 0:33:13.160 --> 0:33:16.960 path as opposed to being incredibly conscious about the choices 0:33:17.600 --> 0:33:20.440 that you want to make in your life. Yeah, and 0:33:20.480 --> 0:33:22.920 that's the thing, Like we're not harping against any sort 0:33:22.920 --> 0:33:24.680 of like one way of life, because in my mind, 0:33:24.680 --> 0:33:27.000 there's different sort of defaults. There's different sort of stock 0:33:27.080 --> 0:33:30.600 lifestyles that you can mindlessly sign up for without even 0:33:30.600 --> 0:33:33.680 realizing it. And whether that's like the sort of mindset 0:33:33.760 --> 0:33:37.920 of buying all the toys, and for maybe some folks 0:33:37.960 --> 0:33:40.560 that means like getting an RV and getting a boat, 0:33:40.720 --> 0:33:45.640 and different memberships to different clubs and paying doc fees 0:33:45.680 --> 0:33:48.280 and you know, just all this sort of stuff. It's 0:33:48.320 --> 0:33:52.280 not about one lifestyle over the other. It's just about 0:33:53.080 --> 0:33:57.720 making a sort of meaningful, intentional decision to focus on 0:33:57.760 --> 0:33:59.360 the things that are important to you and that you 0:33:59.400 --> 0:34:02.520 find value, that you find joy in. So I think 0:34:02.640 --> 0:34:06.800 think through how big is my house? Is it located 0:34:06.800 --> 0:34:08.560 where I want to live? And if I could live 0:34:08.600 --> 0:34:12.160 somewhere else, where would that be? And what benefit would 0:34:12.160 --> 0:34:13.960 that bring me if I were to move somewhere else. 0:34:14.200 --> 0:34:16.640 I've got two cars or one car or whatever? How 0:34:16.680 --> 0:34:20.759 many cars does our family need? And maybe do we 0:34:20.800 --> 0:34:23.480 need the cars that are as fancy as they are 0:34:23.520 --> 0:34:27.040 as currently constructed? In our lives? How much am I working? 0:34:27.760 --> 0:34:30.280 And what am I working for? What am I working 0:34:30.280 --> 0:34:34.719 for in my daily nine? And then ultimately like what 0:34:34.800 --> 0:34:37.319 am I working for? What does this money mean? So 0:34:37.520 --> 0:34:40.120 what am I doing with my days? And then what 0:34:40.200 --> 0:34:42.200 does that mean for further down the road? I mean, 0:34:42.200 --> 0:34:43.959 I think you have to take stock of all those 0:34:44.000 --> 0:34:46.760 things in order to be able to kind of define 0:34:47.400 --> 0:34:49.759 your why behind money. And one more thing, I think. 0:34:49.800 --> 0:34:53.239 I think the other default mode is I work for 0:34:53.239 --> 0:34:56.839 forty years, I retire sixty five. That's the default sort 0:34:56.880 --> 0:35:00.080 of like I work and then I retire, and you 0:35:00.120 --> 0:35:02.200 know what, there's a good chance I'll be working until 0:35:02.200 --> 0:35:05.960 sixty five, hopefully doing something I really enjoy and exactly 0:35:06.040 --> 0:35:07.560 what I want to do though, because I'll have that 0:35:07.600 --> 0:35:10.960 ability to choose. But I think that that forty years 0:35:11.080 --> 0:35:13.359 is essentially the most important years of your life, is 0:35:13.400 --> 0:35:17.799 some prime years. Yeah, And I don't think anybody at 0:35:17.840 --> 0:35:19.600 the end looks back and says, you know what, I 0:35:19.600 --> 0:35:22.799 wish I would have worked more. It's usually the things 0:35:22.800 --> 0:35:25.520 that they missed because they were working too much. And 0:35:25.840 --> 0:35:30.040 if you prioritize what you do as a reflection of 0:35:30.040 --> 0:35:33.120 of either what you enjoy or you know, the results 0:35:33.120 --> 0:35:35.960 you want to see in the world, and then prioritize 0:35:36.000 --> 0:35:38.960 your time away from work in a way that reflects 0:35:39.040 --> 0:35:41.640 your values, I think it's just really easy to get 0:35:41.680 --> 0:35:45.799 to get into a workaholic syndrome. And it's self perpetuating too, right, 0:35:46.480 --> 0:35:48.120 Like the more you do it, the more you kind 0:35:48.120 --> 0:35:50.040 of get sucked in, and then you get more responsibilities 0:35:50.120 --> 0:35:51.440 kind of heaped upon you, and then you feel like 0:35:51.440 --> 0:35:53.520 you can't quit, and it's sort of this sort of 0:35:53.640 --> 0:35:56.960 endless treadmill, you know. And I honestly think and some 0:35:57.040 --> 0:35:58.360 of your thoughts on this too, but I feel like 0:35:58.360 --> 0:36:02.240 it starts early on. I think it's starts somewhat with education, 0:36:02.280 --> 0:36:04.719 when it's like we're on the sort of education path, 0:36:04.880 --> 0:36:07.520 right like, and you start off kindergarten, you start going 0:36:07.600 --> 0:36:09.359 you know, middle school, in high school. By the time 0:36:09.400 --> 0:36:11.640 you're in high school, there's almost no question that, like, 0:36:11.680 --> 0:36:13.920 you should be going to college. That's sort of what's 0:36:14.280 --> 0:36:17.279 being fed to you. And there's good reason. People that 0:36:17.360 --> 0:36:20.840 go to undergrad you earn more. It's reflected in the 0:36:20.880 --> 0:36:24.040 types of jobs that you can get after graduation. However, 0:36:24.120 --> 0:36:26.640 I don't think that's for everybody. It puts us on 0:36:26.680 --> 0:36:29.520 this path of not thinking and when by default, like 0:36:29.560 --> 0:36:31.680 your next steps are kind of already playing out for you. 0:36:31.880 --> 0:36:34.200 It's like a muscle, and the more the more you 0:36:34.239 --> 0:36:36.440 work that muscle, the better you get at it. The 0:36:36.560 --> 0:36:39.960 less you work it, the worst you are at making 0:36:39.960 --> 0:36:42.680 those decisions. And so I feel like a lot of 0:36:42.680 --> 0:36:45.040 times you see people that are also then after even 0:36:45.080 --> 0:36:47.800 undergrad then going to grad school because it's like, well, 0:36:47.840 --> 0:36:49.080 that's kind of what I've been doing, and I know 0:36:49.120 --> 0:36:51.160 that once I do grad school, I can definitely get this. 0:36:51.800 --> 0:36:53.319 I just don't like the kind of path that puts 0:36:53.320 --> 0:36:56.600 people on where they're not really thinking for themselves necessarily. 0:36:56.760 --> 0:36:59.759 I think there's been like a cultural push to prioritize 0:36:59.760 --> 0:37:03.759 co edge, and we're pushing people even that know that 0:37:03.800 --> 0:37:06.520 they're good with their hands or you know, good at 0:37:06.520 --> 0:37:09.120 mechanical skills or whatever it may be. Yeah, who could 0:37:09.120 --> 0:37:11.520 literally come out of high school and have you know, 0:37:11.560 --> 0:37:14.720 a great job working for themselves, working in a mechanic 0:37:14.760 --> 0:37:16.680 shop or becoming a plumber or whatever it may be. 0:37:17.400 --> 0:37:20.160 Those can quickly become high paying jobs in our economy now. 0:37:20.520 --> 0:37:24.040 And we've pushed people like that into college, burden them 0:37:24.040 --> 0:37:26.799 with lots of debt, tons of student loan debt, and 0:37:26.800 --> 0:37:29.400 then essentially told them to go, you know, be a 0:37:29.440 --> 0:37:32.879 history major, when they would have been much better off. 0:37:33.040 --> 0:37:35.600 They would have spent less time, less opportunity, cost um 0:37:35.680 --> 0:37:39.120 less student loans, uh, and they would be they'd be 0:37:39.200 --> 0:37:42.200 more fulfilled working a job that they enjoy. And so 0:37:42.239 --> 0:37:44.440 I think we've done like a huge disservice to some 0:37:44.520 --> 0:37:47.120 of our young people by making it sound like that's 0:37:47.160 --> 0:37:50.440 the only path and kind of missing out on apprenticeships 0:37:50.600 --> 0:37:53.680 and helping people to see the value in skilled labor 0:37:53.719 --> 0:37:56.680 as well. Yeah, or even encouraging them to like think 0:37:56.760 --> 0:37:58.719 about what they enjoy doing. You know, Like so much 0:37:58.760 --> 0:38:00.879 of this kind of comes down to like individual self 0:38:00.920 --> 0:38:02.640 and think through that, like what I'd be happy, you know, 0:38:02.640 --> 0:38:04.840 sort of what you were saying about maybe taking a 0:38:04.920 --> 0:38:07.480 job that might have a you know, a lower salary, 0:38:07.600 --> 0:38:10.799 but might be completely fulfilling. That being said, I don't 0:38:10.800 --> 0:38:14.000 want to discount going to college, right, Like, for a 0:38:14.080 --> 0:38:16.320 lot of people, that's a great move and a great decision, 0:38:16.480 --> 0:38:19.239 and especially for people that have thought it through. What 0:38:19.239 --> 0:38:22.320 we're what we're kind of focusing on is the intentionality 0:38:22.440 --> 0:38:26.360 and being focused in thinking it through and taking the 0:38:26.440 --> 0:38:29.000 steps that you know you want to take to further 0:38:29.040 --> 0:38:31.799 your career. And that's actually somewhere where like having a 0:38:31.840 --> 0:38:35.400 mission statement I think might be very helpful for some folks. 0:38:35.440 --> 0:38:38.080 This is something that we've had different sort of versions 0:38:38.160 --> 0:38:41.399 of since Kate and I were married, but like an 0:38:41.440 --> 0:38:43.840 actual mission statement, whether that be for you as as 0:38:43.880 --> 0:38:47.200 an individual or if you have a family, just kind 0:38:47.200 --> 0:38:48.960 of talking through some of the values that you have. 0:38:49.080 --> 0:38:50.920 And you know, it kind of sounds kind of crazy 0:38:50.960 --> 0:38:52.680 to be like, what's my mission statement? Like what does 0:38:52.719 --> 0:38:55.400 that mean? But I mean it can literally be as 0:38:55.440 --> 0:38:58.880 simple as thinking through your values, like what are some 0:38:58.920 --> 0:39:01.560 things that you want to you prioritize in your life. 0:39:02.120 --> 0:39:05.600 And once you have that, a lot of decisions become 0:39:05.640 --> 0:39:07.719 easy because it's like it falls under that and then 0:39:07.760 --> 0:39:10.560 you say, oh, does this align with our values? Does 0:39:10.600 --> 0:39:13.120 this align with our mission statement? So then it's like, 0:39:13.120 --> 0:39:15.320 all right, let's see if this makes sense sort of financially. 0:39:15.920 --> 0:39:18.560 So I think the creating this mission statement is helpful 0:39:18.560 --> 0:39:20.879 as an individual or as a family, like you said, Matt, 0:39:20.880 --> 0:39:22.560 and I think it helps you get on the same 0:39:22.560 --> 0:39:25.839 page with your spouse or significant other two so that 0:39:26.239 --> 0:39:29.279 when something does pop up and you're like do we 0:39:29.320 --> 0:39:30.919 want to spend our money this way? Do we want 0:39:30.920 --> 0:39:32.920 to move to another city for a job, or do 0:39:32.960 --> 0:39:35.600 we want to purchase this new car or whatever, it is, 0:39:35.880 --> 0:39:38.480 like you can go back to this mission statement. It's 0:39:38.480 --> 0:39:41.160 like this foundational It's like a pillar of your family 0:39:41.160 --> 0:39:44.040 that you can go back to and say wait, no, Actually, 0:39:44.120 --> 0:39:47.240 if we were to make that decision, it doesn't quite 0:39:47.600 --> 0:39:50.239 reflect our values and what we actually want out of life. 0:39:50.480 --> 0:39:52.480 We would just be trying to keep up with the joneses, 0:39:52.560 --> 0:39:55.120 or we would just be doing what society tells us 0:39:55.160 --> 0:39:58.839 is valuable, even though ultimately that's not what we want. Yeah, man, 0:39:58.880 --> 0:40:01.160 I completely agree. So how like, so let's take some 0:40:01.200 --> 0:40:03.840 practical steps then, Like, how would you encourage folks to 0:40:04.680 --> 0:40:06.600 figure out what it is that they want? All right? 0:40:06.640 --> 0:40:09.560 So I would say, first, you need to think about it. 0:40:09.640 --> 0:40:12.719 So sit down, think about it, pen and paper. What 0:40:12.920 --> 0:40:15.880 brings you the most joy? Those are great things to 0:40:15.960 --> 0:40:18.759 write down. And I think, like, so, you know what, 0:40:18.880 --> 0:40:22.520 spending time with my kids, or playing nerdy board games, 0:40:22.840 --> 0:40:25.000 playing disc golf, what. So many of those things are 0:40:25.080 --> 0:40:28.479 free for me. It's awesome. So really, what I'm trying 0:40:28.480 --> 0:40:31.880 to do is value my time and my time to 0:40:31.920 --> 0:40:33.520 get to do those things that I love. So what 0:40:33.600 --> 0:40:36.400 you should do, sit down, right down? What brings you 0:40:36.440 --> 0:40:38.879 the most joy? If you live alone, if you're if 0:40:38.920 --> 0:40:42.440 this is just you, great, it's a lot easier if 0:40:42.560 --> 0:40:44.520 if it's with your spouse, you both you sit down 0:40:44.560 --> 0:40:46.600 and write these things out and you come together and 0:40:46.600 --> 0:40:48.239 you talk and you figure out, you know, what, where 0:40:48.239 --> 0:40:50.440 do these things intersect and where do they depart from 0:40:50.480 --> 0:40:53.239 one another. But ultimately that list is going to help 0:40:53.280 --> 0:40:55.640 you as you attempt to write this mission statement and 0:40:55.680 --> 0:40:59.200 as you attempt to prioritize the things that matter the 0:40:59.239 --> 0:41:01.719 most to your family in particular. And this may not 0:41:01.760 --> 0:41:04.440 be something that like you've ever done right like this. 0:41:04.520 --> 0:41:06.000 I mean, this isn't like a normal thing that I 0:41:06.000 --> 0:41:07.560 feel like once you kind of you know, you get 0:41:07.600 --> 0:41:09.360 a job and you kind of kind of start falling 0:41:09.360 --> 0:41:11.680 into the rhythms of life, sitting down and taking the 0:41:11.719 --> 0:41:13.680 time to do something like this isn't like a natural 0:41:14.239 --> 0:41:16.719 isn't a natural thing, So it's weird, it's foreign. You're 0:41:16.760 --> 0:41:18.680 just used to the routine in the daily life, and 0:41:18.719 --> 0:41:20.560 so you just kind of fall into the rut and 0:41:20.680 --> 0:41:22.480 you don't really think about these sort of things. You 0:41:22.640 --> 0:41:24.520 very rarely take the time to step back and be 0:41:24.560 --> 0:41:26.719 thoughtful like this, and that's what we're trying to fight. 0:41:27.560 --> 0:41:29.400 And so that being said, like you may not have 0:41:29.480 --> 0:41:32.520 ever really sat down and thought through this, and this 0:41:32.600 --> 0:41:35.160 might require some brainstorming, you know, like think through like 0:41:35.239 --> 0:41:38.920 what are the different possibilities that are out there because 0:41:39.000 --> 0:41:41.959 you can do them. Like, it just takes some prioritization. 0:41:42.000 --> 0:41:46.840 It takes thinking through what is truly important, like listening 0:41:46.840 --> 0:41:49.080 them all out, figuring out what it is that you 0:41:49.120 --> 0:41:52.200 actually want to focus on. And by starting to make 0:41:52.200 --> 0:41:54.319 that list, you'll quickly be able to figure out what 0:41:54.320 --> 0:41:57.439 it is that is more important than the others. Yeah, 0:41:57.440 --> 0:42:00.520 I think that brainstorming is such an important piece because 0:42:00.760 --> 0:42:02.560 we tend to think of things in like a box 0:42:03.280 --> 0:42:05.719 and we can't go outside that box. And like our 0:42:05.760 --> 0:42:09.840 life can really only handle up to these certain limits 0:42:09.840 --> 0:42:12.319 that we've been posted on ourselves. But really, if you 0:42:12.360 --> 0:42:15.239 think big and brainstorm some of these big possibilities that 0:42:15.280 --> 0:42:17.800 could happen in your life, like a six month trek 0:42:17.840 --> 0:42:20.480 around Europe. You know that's a big goal and that's 0:42:20.520 --> 0:42:23.719 really hard for people to achieve. You can get there 0:42:24.000 --> 0:42:26.239 if that's something you prioritize. You have to think it 0:42:26.320 --> 0:42:27.960 up first, and then you have to talk about it, 0:42:27.960 --> 0:42:29.960 and then you have to prioritize your spending to make 0:42:29.960 --> 0:42:33.839 that a possibility. But if you don't brainstorm the possibilities, 0:42:33.880 --> 0:42:36.720 if you're kind of left tabling those hopes and dreams, 0:42:37.000 --> 0:42:38.880 that's a Crumby way to live. You want to be 0:42:38.960 --> 0:42:43.319 intentional enough to think about them and to put those 0:42:43.360 --> 0:42:46.560 possibilities out there as a family or as an individual 0:42:47.160 --> 0:42:50.960 so that you can start working in that direction. For 0:42:51.040 --> 0:42:53.040 some folks that might be a priority. For some folks 0:42:53.080 --> 0:42:56.399 that sounds like a nightmare, right, And so there might 0:42:56.400 --> 0:42:58.319 be the individual who's like, well, no, I just want 0:42:58.320 --> 0:43:00.319 to have like my boat and I want to be 0:43:00.360 --> 0:43:03.200 able to go fishing on the weekends. And for that person, 0:43:03.440 --> 0:43:06.239 if that's what they've identified as like what's important in 0:43:06.239 --> 0:43:09.200 their life, man, go for it, you know, Like that's 0:43:09.239 --> 0:43:11.000 the That's what's so cool about this is that like 0:43:11.040 --> 0:43:12.680 we're not trying to say that there's one way you 0:43:12.719 --> 0:43:14.359 have to do it. We just want you to do 0:43:14.440 --> 0:43:16.719 whatever it is that you want to do and be 0:43:17.239 --> 0:43:20.640 proactive about it and to freaking crush it. Like if 0:43:20.680 --> 0:43:23.520 you want to go and fish every Saturday morning, go 0:43:23.600 --> 0:43:26.680 for it. Like that's that's cool, that's awesome. But think 0:43:26.719 --> 0:43:29.759 about that. Is it fishing or is it the lakehouse? 0:43:29.960 --> 0:43:32.040 You know what I'm saying. Yeah, it's like like which 0:43:32.040 --> 0:43:34.359 one is your priority? And some people would say, well, 0:43:34.400 --> 0:43:36.200 I like to fish, I'm gonna get a lakehouse. Well, 0:43:36.560 --> 0:43:38.520 that's a lot of upkeep. That's a lot. Maybe that 0:43:38.600 --> 0:43:40.919 is your priority, maybe because that's where family gatherings happen 0:43:40.960 --> 0:43:42.560 and stuff like that. Is it the fishing or is 0:43:42.600 --> 0:43:45.120 it the lakehouse? What is it? Or is it fishing 0:43:45.200 --> 0:43:47.799 or is it backpacking across Europe? You know, like there's 0:43:47.800 --> 0:43:50.120 different things for different folks, and we just want you 0:43:50.239 --> 0:43:53.120 to be thoughtful about what it is that you're you're 0:43:53.160 --> 0:43:56.240 doing and to not sort of fall into these ruts 0:43:56.280 --> 0:43:58.719 because people around you are doing those things and you think, oh, 0:43:58.880 --> 0:44:01.000 I guess I should do that as Uh, that's what 0:44:01.000 --> 0:44:03.200 we're trying to avoid. So once you've done this full 0:44:03.200 --> 0:44:04.839 brain storm, I would say the next thing you need 0:44:04.920 --> 0:44:08.560 to do is prioritize. So if you have these big, ambitious, 0:44:08.600 --> 0:44:11.600 lofty goals, you might not be able to do them all, 0:44:11.760 --> 0:44:13.719 or you know, some of them might take a lot 0:44:13.800 --> 0:44:16.120 more time. Like I mentioned earlier, you know, one of 0:44:16.120 --> 0:44:18.480 our goals as a family, at some point, maybe five 0:44:18.560 --> 0:44:20.320 six years from now, I want to be able to 0:44:20.360 --> 0:44:23.600 take three months and travel around the country in an RV. 0:44:24.000 --> 0:44:25.640 You know, my kids will be old enough at that point. 0:44:25.920 --> 0:44:27.680 That's just a memory I want to make with my 0:44:27.760 --> 0:44:30.480 kids and there's all sorts of things that I can prioritize, 0:44:30.520 --> 0:44:33.040 but no, you know, this one's happening way down the line. 0:44:33.400 --> 0:44:35.480 This one is something that I can accomplish next year. 0:44:36.080 --> 0:44:39.400 This one is something I can accomplish tomorrow because I 0:44:39.440 --> 0:44:43.120 just need to make my schedule reflect my priorities at 0:44:43.160 --> 0:44:47.320 the same time. So prioritize those goals, know that you 0:44:47.400 --> 0:44:49.880 might not be able to achieve all of them, and 0:44:49.880 --> 0:44:52.000 then start kind of put your money where your mouth 0:44:52.120 --> 0:44:55.759 is as you prioritize those things out. So let's say, Matt, 0:44:55.840 --> 0:44:58.160 you just did this and you wrote down all these 0:44:58.160 --> 0:45:02.160 things that you prioritized, and a fancy car and a 0:45:02.200 --> 0:45:04.880 three thousand square foot house aren't anywhere in there. But 0:45:05.600 --> 0:45:07.320 as it turns out, you're living in a three thousand 0:45:07.320 --> 0:45:09.880 squarefoot house and you drive a fancy car. What do 0:45:09.920 --> 0:45:11.520 you do because we just said do it, like, what 0:45:11.560 --> 0:45:14.000 do you do? Then? Yeah, man, you you sell them. 0:45:14.160 --> 0:45:18.560 If you've realized that those are not priorities in your 0:45:18.560 --> 0:45:20.600 life and you realize that you're sort of in that position, 0:45:20.800 --> 0:45:23.000 you have control of your life. These aren't things that 0:45:23.040 --> 0:45:26.480 are sort of there and they're unchangeable. These are things 0:45:26.560 --> 0:45:30.239 you can change. Start making a plan, and part of 0:45:30.239 --> 0:45:32.239 that plan might involve, you know, for a lot of 0:45:32.239 --> 0:45:35.920 folks might be selling a house or taking some drastic steps. 0:45:36.239 --> 0:45:38.600 And we're not at all advocating you to like completely 0:45:38.640 --> 0:45:42.000 upend your life, but the first step towards doing that 0:45:42.120 --> 0:45:44.440 is thinking through what that might look like. And I 0:45:44.480 --> 0:45:46.560 think for a lot of folks that might actually look 0:45:46.600 --> 0:45:50.680 like selling a house and and moving, or maybe some 0:45:50.880 --> 0:45:53.680 not so extreme extreme examples, it might just mean like, well, 0:45:53.719 --> 0:45:55.279 maybe that means for us not going out to eat 0:45:55.280 --> 0:45:58.000 as much in instead of putting that money towards travel, 0:45:58.040 --> 0:46:00.400 because that's what we really truly in away and what 0:46:00.480 --> 0:46:04.319 we value. Yeah, I mean, I think realign, realign your 0:46:04.320 --> 0:46:08.040 money allocation to reflect those goals that you've just deemed 0:46:08.080 --> 0:46:10.960 as the most important things. Some of those things might 0:46:11.000 --> 0:46:14.200 take some time, like, for instance, a house. Let's you 0:46:14.200 --> 0:46:15.880 have got this three thousand square foot house, I've got 0:46:15.920 --> 0:46:17.479 a mortgage, I've got all these things, I've got kids, 0:46:17.480 --> 0:46:19.200 we've got to move, all these things that go along 0:46:19.239 --> 0:46:24.600 with it. That might be something that takes time, but 0:46:24.680 --> 0:46:26.680 at least it's on your radar, and at least it's 0:46:26.719 --> 0:46:29.279 something you can start working towards. It's something that you've 0:46:29.280 --> 0:46:32.120 thought about and you've addressed, right, It's it's something that 0:46:32.560 --> 0:46:34.480 you're not gonna be able to solve overnight, but it's 0:46:34.520 --> 0:46:37.520 something that we want you to be conscious to. Or 0:46:37.600 --> 0:46:40.319 I've got a car payment, but you know what, I've 0:46:40.320 --> 0:46:44.160 only got a year left of it, and once I'm done, 0:46:44.360 --> 0:46:46.239 I hold onto this for the next ten years because 0:46:46.239 --> 0:46:48.160 I was just gonna get another lease or another car 0:46:48.239 --> 0:46:50.400 or whatever it may be. But not anymore. Not anymore, 0:46:50.440 --> 0:46:52.960 that's your new car, because it doesn't reflect what I 0:46:53.000 --> 0:46:54.799 truly want, because what I want is more time, or 0:46:54.800 --> 0:46:57.440 what I want is more travel, whatever it is. I 0:46:57.560 --> 0:47:02.399 know that you can change those priorities, and you can 0:47:02.480 --> 0:47:06.800 change your spending to reflect those priorities. And when you do, 0:47:07.800 --> 0:47:10.840 that's the sweet spot. That's a beautiful place in life 0:47:11.080 --> 0:47:13.279 when you can look at your budget, when you can 0:47:13.320 --> 0:47:17.200 look at that outflow and say, you know what that 0:47:17.719 --> 0:47:20.880 really and truly reflects kind of my heart, what I 0:47:20.920 --> 0:47:22.880 want my life look like, what I want my family 0:47:23.120 --> 0:47:26.319 to look like. And I think this is like a pendulum, right, 0:47:26.360 --> 0:47:28.440 Like there's sometimes like I feel like I'm in the 0:47:28.440 --> 0:47:30.360 middle of it, but most of the time I'm like 0:47:30.400 --> 0:47:32.000 a little left or a little right, and I'm not 0:47:32.320 --> 0:47:33.960 not quite in that sweet spot where I want to be. 0:47:34.120 --> 0:47:36.480 It's always sort of changing a little bit here and there, right, Yeah, 0:47:36.480 --> 0:47:37.680 But if you can think about it like that and 0:47:37.719 --> 0:47:39.040 be like, you know what, I'm way over here on 0:47:39.080 --> 0:47:41.160 the left, but you know what my goal is, just 0:47:41.239 --> 0:47:43.359 kind of get it a little more, a little more 0:47:43.360 --> 0:47:46.200 in equilibrium, a little closer to the center um and 0:47:46.200 --> 0:47:48.920 and think about it like that pendulum that that's swinging. 0:47:50.120 --> 0:47:52.800 You have the power, though, to kind of put yourself 0:47:52.840 --> 0:47:56.239 in that position. It sometimes it takes time. Some some 0:47:56.239 --> 0:47:58.520 people are gonna have a harder time than others. But 0:47:59.000 --> 0:48:01.399 you have to start somewhere. You have to start by 0:48:01.520 --> 0:48:03.920 thinking about it and then doing it. And no one 0:48:03.960 --> 0:48:05.640 else is gonna do it for you. No one else 0:48:05.680 --> 0:48:09.239 is gonna realign you're spending to reflect your values. You 0:48:09.280 --> 0:48:12.839 have to be the main key actor in this. I mean, 0:48:12.880 --> 0:48:14.839 this is your job and it's your life and you've 0:48:14.840 --> 0:48:17.920 only got one and I don't know about you, but 0:48:18.520 --> 0:48:21.120 living a stock lifestyle that's not for me. I want 0:48:21.160 --> 0:48:23.520 my life to reflect those core values that I have 0:48:24.360 --> 0:48:27.520 more and more every day every year. And so we're 0:48:27.560 --> 0:48:30.319 just saying, you know what's slowed down. Stop, take a look, 0:48:30.360 --> 0:48:33.240 take a minute, and these are I think some actionable 0:48:33.280 --> 0:48:35.799 points where you can move forward with that. All right, 0:48:35.840 --> 0:48:39.080 let's stop and take a look at this beer. Mind's 0:48:39.120 --> 0:48:42.759 all gone. Yeah, that's why we're not racing. But it 0:48:42.760 --> 0:48:44.799 sounds like we raised sometimes. So, I mean, you know 0:48:44.920 --> 0:48:46.480 something I love about this beer too. I mean, I 0:48:46.520 --> 0:48:48.120 guess we kind of touched on this earlier, but this 0:48:48.200 --> 0:48:51.160 is one of the few six packs that we've that 0:48:51.200 --> 0:48:52.919 we've had on I mean, we didn't have an entire 0:48:52.960 --> 0:48:54.680 six pack this. This is a lot of the beers 0:48:54.680 --> 0:48:57.279 that we've had. Our single bottle is harder to find. 0:48:57.480 --> 0:48:59.920 They come in the format of like a seven fifty bottle. 0:49:00.239 --> 0:49:02.680 They might only be available in two or three states. 0:49:02.719 --> 0:49:06.200 Even so some of them that don't distribute very organ seasonal, Like, 0:49:06.239 --> 0:49:07.680 I think this is something that you'll see on the 0:49:07.719 --> 0:49:09.839 shelves I think year round. Uh, and you'll be able 0:49:09.880 --> 0:49:12.839 to find pretty much anywhere. Yeah, this is really good 0:49:12.880 --> 0:49:17.120 and it's like juice heavy, it's still really really, really tasty. Yeah. 0:49:17.120 --> 0:49:19.399 I think it's the best beer I've had from New 0:49:19.440 --> 0:49:22.359 Belgium that comes in six packs. Yeah, I really like 0:49:22.880 --> 0:49:26.160 New Belgium's Lips of Face series, which is awesome. Serious, Yeah, 0:49:26.239 --> 0:49:30.839 that's sort of like single I guess some good ones, 0:49:30.880 --> 0:49:32.640 so look for those two. But I think this is 0:49:32.640 --> 0:49:34.719 probably the best release I've had from them that comes 0:49:34.719 --> 0:49:37.160 out in six packs. This is really tasty. Yeah, I 0:49:37.200 --> 0:49:39.840 would recommend given it a shot. So if you find 0:49:40.640 --> 0:49:45.040 Voodoo Ranger Juicy Hayes, I p a at your local 0:49:45.120 --> 0:49:47.680 grocery store or bottle shop, not even bottle shop, you 0:49:47.680 --> 0:49:50.440 can just pick this up at It's crazy that that's 0:49:50.440 --> 0:49:52.480 your big grocery store. It's crazy the amount of good 0:49:52.480 --> 0:49:54.520 beer you can get at your grocery store now. I mean, 0:49:54.640 --> 0:49:58.279 so many grocery stores targets, Like there's a lot of 0:49:58.800 --> 0:50:02.200 grocery change that really starting to um amp up their 0:50:02.239 --> 0:50:04.600 craft beer selection and that's what folks are wanting. So yeah, 0:50:04.840 --> 0:50:06.759 so it's really cool to see. I mean, I still 0:50:06.760 --> 0:50:08.520 prefer to go to my bottle shop. I mean, I think, 0:50:08.640 --> 0:50:10.080 you know, I'd rather be able to talk to the 0:50:10.160 --> 0:50:12.719 dude about the beer. And I'm kind of weird about that, 0:50:13.000 --> 0:50:15.000 but if I need something real quick and the closest 0:50:15.000 --> 0:50:17.000 place to me is the grocery store, man, it's awesome. 0:50:17.080 --> 0:50:19.040 This is a good option. And this is a great option, 0:50:19.840 --> 0:50:22.080 all right, Joel, Let's let's do a quick wrap up. 0:50:22.200 --> 0:50:24.840 Let's wrap it all right. So first, the big y 0:50:25.040 --> 0:50:28.880 behind money, save your money. So, and the why behind 0:50:28.960 --> 0:50:33.160 saving is to eventually have financial freedom. And work is 0:50:33.200 --> 0:50:35.440 a good thing, but you want to have the option 0:50:35.600 --> 0:50:38.640 to not work or work less so that you can 0:50:38.680 --> 0:50:41.160 prioritize your time the way you want to. Yeah, it's 0:50:41.160 --> 0:50:44.240 about having options. It's not like we're not advocating saving 0:50:44.239 --> 0:50:46.359 because we love money. It's not to accrue the most 0:50:46.360 --> 0:50:49.800 money humanly possible. Yeah, we have goals and missions and 0:50:50.239 --> 0:50:52.279 part of getting to those goals and those missions, and 0:50:52.560 --> 0:50:54.600 what we spend our money on is spending, right, And 0:50:54.680 --> 0:50:58.200 so obviously spending has an inverse relationship there with saving. 0:50:58.520 --> 0:51:00.960 And so we want you to spend your money in 0:51:01.000 --> 0:51:05.319 ways that are intentional and meaningful and that align with 0:51:05.520 --> 0:51:08.239 your values in life. Yeah, and so that means not 0:51:08.360 --> 0:51:11.759 living a default or stock lifestyle. Everyone else around you 0:51:11.800 --> 0:51:13.919 has two cars and a three thousand square foot house. 0:51:14.120 --> 0:51:16.319 That doesn't mean that's what you need to do. And 0:51:16.800 --> 0:51:19.080 maybe that's how you want to live, but be thoughtful 0:51:19.120 --> 0:51:22.080 about it. And so don't just live the lifestyle that 0:51:22.160 --> 0:51:25.200 your co workers or friends, or your parents have lived. 0:51:25.480 --> 0:51:28.960 Make sure that your lifestyle is reflective of what you 0:51:29.000 --> 0:51:31.239 want your life to look like. And maybe you don't 0:51:31.280 --> 0:51:34.720 even know what that is. We live in a world 0:51:34.760 --> 0:51:36.680 that's just so fast, you know, and it's just everything 0:51:36.800 --> 0:51:39.680 is just happening so quickly. We don't take pause to 0:51:39.840 --> 0:51:41.759 think through the things that are important to us and 0:51:41.800 --> 0:51:44.319 the things that we value. And so for a lot 0:51:44.360 --> 0:51:46.959 of people, including myself, man, this is sort of weird 0:51:47.000 --> 0:51:48.799 to do, but to sit down and think through, like 0:51:49.000 --> 0:51:53.600 what's important to me, soul searching, but it's important. It's 0:51:53.640 --> 0:51:55.759 it can it can be like this big ethereal thing, 0:51:55.800 --> 0:51:57.520 but like, really you just think through what do you 0:51:57.960 --> 0:51:59.920 value and what do you find the most enjoyment, And 0:52:00.840 --> 0:52:03.680 that's what we want you to pursue. That's what we 0:52:03.760 --> 0:52:06.719 want you to focus your life around. And even the 0:52:06.760 --> 0:52:08.520 mission Statement, if that's what it takes to kind of 0:52:08.520 --> 0:52:11.160 create a concise sort of statement that you can refer 0:52:11.239 --> 0:52:14.359 back to, it makes a lot of life easier. When 0:52:14.400 --> 0:52:16.279 there's decisions that come up, you can refer back to 0:52:16.320 --> 0:52:20.040 the mission Statement. So think about how you're spending, think 0:52:20.040 --> 0:52:23.799 about what brings you joy, prioritize those things that bring 0:52:23.840 --> 0:52:26.920 you joy and figure out what goals are achievable and 0:52:27.000 --> 0:52:29.839 the timetable that it might take to reach those and 0:52:29.880 --> 0:52:32.600 then do it. Yeah, do it. You have control of 0:52:32.640 --> 0:52:35.080 your life. Like Joel said earlier, you're like the main 0:52:35.160 --> 0:52:37.120 player in your own life. Nobody else is going to 0:52:37.160 --> 0:52:39.400 be advocating for you to do the things that you 0:52:39.440 --> 0:52:41.880 want to do right on. So next time, maybe we'll 0:52:41.920 --> 0:52:45.560 tackle something a little bit easier. It's really nice when 0:52:45.560 --> 0:52:48.880 there's like do these three steps and it'll increase your 0:52:48.880 --> 0:52:52.160 credit score. Things like that are are nice to kind 0:52:52.160 --> 0:52:55.360 of wrap your head around. This is tough, it is, 0:52:55.400 --> 0:52:57.799 but hopefully we've given people something to wrestle with. I mean, 0:52:57.800 --> 0:52:59.680 it makes me want to go back even and and 0:52:59.719 --> 0:53:01.920 look my goals and talk with my wife about the 0:53:01.960 --> 0:53:03.719 stuff again. And I feel like it's something that comes 0:53:03.760 --> 0:53:06.360 up a lot. And if you like this podcast, we 0:53:06.360 --> 0:53:08.960 would really appreciate it if you would subscribe on Apple 0:53:09.000 --> 0:53:12.200 Podcasts or wherever you listen, maybe leave a brief review 0:53:12.440 --> 0:53:14.080 in our home on the web is how to money 0:53:14.120 --> 0:53:16.200 dot com. Check it out. We'll have some show notes 0:53:16.280 --> 0:53:19.200 up there for you. So until next time, Man, Best 0:53:19.239 --> 0:53:20.879 Friends Out, Best Friends Out,