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Speaker 1: What's going on, buddy?

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Speaker 2: Hey, Hey, how you doing fantastic?

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Speaker 1: Yeah?

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Speaker 2: So, okay, you got the spotlight on Wednesday, it's my turn.

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Speaker 2: Now it is your turn.

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Speaker 1: And for some reason, I thought that we were going

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Speaker 1: to be sharing your story next week, but no, it's today.

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Speaker 2: It's Friday. Yeah, so I want to make some sort

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Speaker 2: of a fresh Prince of Ballet rhyme about my life

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Speaker 2: real quick, but I don't. I don't have the skill.

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Speaker 2: It's all about how my life gott But I can't

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Speaker 2: go any further. But yeah, so one thing real quick.

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Speaker 2: You mentioned I'm in Florida. That's part of the reason

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Speaker 2: we're doing a couple of besties.

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Speaker 1: Yes, oh that's right.

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Speaker 2: Yeah, let's share why it is that you're down there,

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Speaker 2: the reason we're in Florida. And I think I've talked

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Speaker 2: about this a few times on the show. Had the

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Speaker 2: craziest incident over spring break where a tree got hit

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Speaker 2: by lightning in our front yard and a massive chunk

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Speaker 2: it exploded. A massive chunk fell through our roof, splinters

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Speaker 2: all over the place in the yard, my neighbor's yards,

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Speaker 2: and so we had to get the tree removal company

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Speaker 2: filing insurance claim, and the house is being repaired as

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Speaker 2: we speak, and we were hoping to find a place

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Speaker 2: close by until we get rent.

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Speaker 1: It was extend for the summer, extensive work that meant

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Speaker 1: that you were not able to stay in your house

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Speaker 1: and actually had to move out and work for a.

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Speaker 2: Couple of months. And we're looking for short term rentals

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Speaker 2: up here, and it was like, there's nothing, and so

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Speaker 2: we used it as an opportunity, you know, make some lemonade,

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Speaker 2: to kind of take an extended vacation down to Florida.

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Speaker 2: So that's it's been fun. It's been fun.

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Speaker 1: It's also part of that interesting Emily's mom being down there.

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Speaker 1: So the idea is that she's you know, helping Emily

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Speaker 1: out with the kids while you are up here on

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Speaker 1: like basically every other week is how we've been doing

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Speaker 1: it back in the summer exactly.

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Speaker 2: So they're having fun, we're having fun when I'm there.

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Speaker 2: But it's also kind of like, yeah, sometimes you just

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Speaker 2: gotta think outside the box, and this was a way

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Speaker 2: for us to, oh, wait, hey, there's a lot of

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Speaker 2: short term rentals down down in this part of Florida,

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Speaker 2: so we can easily find something. And yeah, it's been

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Speaker 2: it's been kind of a fun experience, but y, it

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Speaker 2: does make it a little more difficult on work action.

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Speaker 1: But exactly, I got to think you feel a little

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Speaker 1: unmoored as well, right like where it doesn't really feel

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Speaker 1: like you have a home, home base.

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Speaker 2: But ready to be back in there.

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Speaker 1: And I suggested too. I was like, well, how about

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Speaker 1: just to your computer down there and we can record remotely.

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Speaker 1: But you just missed me too much, right to be

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Speaker 1: gone for that long? Yeah, we've never recorded, not in

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Speaker 1: the same room. That would be it would be different.

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Speaker 2: What I mean.

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Speaker 1: We do interviews all the time, but it's always you

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Speaker 1: and I are sitting here at the table, yeah, sharing

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Speaker 1: a beer, Yeah, while we talk about money or interview

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Speaker 1: somebody else.

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Speaker 2: But yeah, so we aren't flexible for sure, which is nice,

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Speaker 2: nice to have. So yeah, but this is my money story.

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Speaker 2: It really, honestly has informed so much of why I'm

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Speaker 2: passionate about this subject and how this podcast started to

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Speaker 2: begin with. So without further ado, let's get to it.

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Speaker 2: Welcome to How to Money. I'm Joel and I am Matts.

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Speaker 2: And that's right. The day has come.

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Speaker 1: It is now time for Joel's money origin story.

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Speaker 2: That's right, buddy, Today on the show, it's all about me,

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Speaker 2: about you this time. Hooray. No, I'm I'm looking forward

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Speaker 2: to a chat and kind of diving into some of

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Speaker 2: my money backstory. You got to tackle yours last week

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Speaker 2: and it was a lot of fun. I learned a

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Speaker 2: little bit. I hope our listeners learned a lot. And yeah,

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Speaker 2: this week it's my turn in the hot seat.

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Speaker 1: Does everything feel backwards? Because I kind of announced the

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Speaker 1: actual title of this episode you brought us back from

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Speaker 1: the break with the music, feels like left is right

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Speaker 1: and up is down exactly, which makes me think of

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Speaker 1: those bicycles were like they're engineered so that if you

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Speaker 1: steer left, it actually goes right. Have you seen these

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Speaker 1: mind cluster where like you literally can't ride it and

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Speaker 1: it takes I don't know, like like tons of practice.

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Speaker 2: I think it would take a long time to retrain

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Speaker 2: your brain.

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Speaker 1: Exactly, because once you've been doing something for so long,

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Speaker 1: it's it feels really awkward sometimes.

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Speaker 2: And just a small thing like this does who introduces

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Speaker 2: the podcast episode? Yes, but before we get to my

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Speaker 2: money story, and yeah, there's a lot I think we're

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Speaker 2: gonna cover. I don't know, I mean, it's really it's

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Speaker 2: up to you, so we'll see where it goes. But

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Speaker 2: I wanted to mention one thing quickly that one of

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Speaker 2: my friends, his name is Brennan. He goes by the

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Speaker 2: Moniker budget Dog on Instagram and Twitter.

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Speaker 1: Yeah.

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Speaker 2: Literally, I asked him how he got that name, and

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Speaker 2: he was like sitting there with his dog while he

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Speaker 2: came up with it. So it just like really was

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Speaker 2: like like budgets, yeah, exactly. So he's a good dude

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Speaker 2: and he's doing a lot of great work with a dawg. Sadly, no,

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Speaker 2: yeah he did not, you know, that's how it goes.

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Speaker 2: But he mentioned the other day on Twitter, and I

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Speaker 2: had not heard of this company before, a company to

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Speaker 2: help you roll over your old four oh one K

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Speaker 2: and it's called Capitalize. And I looked into this because

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Speaker 2: I was like, all right, Brennan knows what he's talking about.

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Speaker 2: What is this thing? And it is this cool? It's

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Speaker 2: actually Capitalized was named one of Times Top in Mentions

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Speaker 2: for twenty twenty one. And it is this site where

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Speaker 2: you get to go roll over your four o one

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Speaker 2: K for free into an IRA And there are a

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Speaker 2: whole lot of reasons to do this, like we could

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Speaker 2: get into all the nuance. We're not going to because

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Speaker 2: that's not what the this episode is about, but we'll

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Speaker 2: link to it in the show notes. And it's just

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Speaker 2: one of those cool things. Yeah, if you have an

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Speaker 2: old retirement account sitting somewhere else and you want to

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Speaker 2: move it to a place with lower fees and better

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Speaker 2: fund options, a place like Capitalized is going to help

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Speaker 2: you do that. They're going to handle the paperwork, which

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Speaker 2: is like, for me, the most annoying part usually, And

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Speaker 2: so yeah, it just it seems like this cool new service,

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Speaker 2: and I wanted to mention it. Will We'll again put

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Speaker 2: a link to the show notes. And yeah, if you

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Speaker 2: if you're one of those people who's like dreading doing

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Speaker 2: the annoying intricacies of personal finance, something as dorky as

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Speaker 2: you know, rolling an account over from a four one

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Speaker 2: K into a new IRA very technical, yes, yeah, but

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Speaker 2: ultimately not that hard. But Capitalized makes it even easier.

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Speaker 1: Also, first rule problems, right, Like, are you over here,

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Speaker 1: Joel complaining that you've got too many four one ks

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Speaker 1: from previous the war years that you have to keep

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Speaker 1: up with? Oh what a hard life that is from

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Speaker 1: somebody who's never.

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Speaker 2: Had a four weeks. Right, Simplification is a huge part

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Speaker 2: of making personal finance is better for people. And if

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Speaker 2: this helps you simplify things, combine everything into accounts with

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Speaker 2: fewer companies, and also we're you can get it that

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Speaker 2: drag of fees at the same time, like it's well, yeah,

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Speaker 2: your time. Yeah, if you're with a provider.

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Speaker 1: Who, yeah, does not give you the best investing options,

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Speaker 1: you know, I will say if you are able to

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Speaker 1: maintain those accounts and if the investing options are equivalent

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Speaker 1: or similar across the board, there's no magic to combining

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Speaker 1: all your accounts into a single giant account. Right, You're

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Speaker 1: going to earn the same types of returns if you've

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Speaker 1: got one hundred thousand dollars that's spread across three accounts,

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Speaker 1: the same returns that you'd see if all of that

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Speaker 1: money was just in a singular account. But like you said,

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Speaker 1: it's more of like a mental thing and if that

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Speaker 1: helps you as an individual, then go for it.

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Speaker 2: Yeah, as long as they're in the same fun choices, right, Yeah,

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Speaker 2: for sure. So yeah, we'll link to it in the

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Speaker 2: show notes. But Matt, let's mention the beer that we're

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Speaker 2: having on this episode. We're drinking a beer called Woodland Pursuit.

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Speaker 2: It's a new England I pa from the folks at

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Speaker 2: Humble Forager, and I'm looking forward to drinking this one

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Speaker 2: while we share my money to origin story.

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Speaker 1: Tonight's right, and I picked this one up especially for you,

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Speaker 1: and we'll talk about why.

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Speaker 2: I guess at the end of the episode sounds good.

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Speaker 1: Well, like last Wednesday's episode, it is it's time for

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Speaker 1: you listeners to really get to know us on a

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Speaker 1: deeper level. Last week, yeah, you got to hear my

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Speaker 1: money story and the experiences that impacted how it is

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Speaker 1: that I view money. And now it's Joel's turn. Hailing

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Speaker 1: from the Pacific Northwest, weighing in a like a one

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Speaker 1: hundred and eighty pounds.

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Speaker 2: Maybe nine okay nine also the very.

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Speaker 1: You're the tallest half Norwegians. But yeah, you were raised

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Speaker 1: here in the South. My best friend, Joel lars Guard,

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Speaker 1: he might might have been the cheapest guy I've ever met,

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Speaker 1: which is why I think we immediately hit it off

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Speaker 1: when we first met around a decade ago. I think

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Speaker 1: it also helps a ton our wives hit off as well. True,

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Speaker 1: but I had never met anyone cheaper than me in

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Speaker 1: that saying a lot, And it's no wonder that we

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Speaker 1: were destined to start a personal finance podcast together. There

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Speaker 1: truly is so much that I already know about you.

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Speaker 1: But like any good story, you start at the beginning.

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Speaker 1: And I realized that I don't know what your first

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Speaker 1: money memory is, and so, yeah, do you have a

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Speaker 1: clear moment when you grasp the concept of money? Also,

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Speaker 1: did you always prefer the Krooklum signature pizza even as

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Speaker 1: a toddler or was that a more of an acquired taste.

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Speaker 2: Yeah, No, that was later in life. Really, that was

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Speaker 2: a more more recent occurrence. And I will say, actually

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Speaker 2: I talked about this recently on Twitter with somebody how

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Speaker 2: Little Caesars raised the prices of their pizza, that inflation

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Speaker 2: made inflation robbers meeting in the road. But life's too

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Speaker 2: short to really eat cheap pizza too frequently, so usually

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Speaker 2: spring forth the nicer stuff. But yeah, I guess when

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Speaker 2: it comes to first money memories, probably my first money

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Speaker 2: memory is my parents had like this, this cardboard cut

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Speaker 2: out with like little dimes and nickels and pennies and dollars.

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Speaker 2: Did you ever have one of those where it's like

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Speaker 2: it's like a little learning way to learn about money.

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Speaker 2: And so I remember seeing that, and it was this

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Speaker 2: tangible thing where I got to group them and do

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Speaker 2: addition of attraction and kind of get to figure out

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Speaker 2: how money works.

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Speaker 1: Okay, I do remember doing that. In elementary school, I

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Speaker 1: had like.

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Speaker 2: The same cardboard like real to learn time and stuff.

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Speaker 1: So your parents like stole it from the elementary exactly,

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Speaker 1: your older sister probably ganked it, and then you got

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Speaker 1: to take a look at it.

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Speaker 2: Sho was a bad one, you know. I learned a

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Speaker 2: lot from that. So yeah, I think that was probably

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Speaker 2: the most early memories I have is kind of playing

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Speaker 2: with those physical cardboard cutout of money. But but then

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Speaker 2: I think my kids had gi Joe's Joel.

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Speaker 1: Had dollar bills on his stelf all lined up.

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Speaker 2: Yeah, not necessarily, No, I was not like roomed to

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Speaker 2: be some sort of personal finance nerd. But I think

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Speaker 2: the other thing that sticks out in my mind when

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Speaker 2: I'm thinking about the earliest memories I have of like

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Speaker 2: actual money was when my parents and I had to

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Speaker 2: have conversations about in particularly the shoes that I wanted

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Speaker 2: to buy. I was like super into the fancy basketball

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Speaker 2: shoes of the Day, the Scottie Pippens, the Michael Jordan's,

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Speaker 2: all the all the good stuff that Charles Barkley's. They

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Speaker 2: all had great shoes. Man, speaking of investments, if only

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Speaker 2: you had gotten a couple of pairs of those and

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Speaker 2: never worn them, yes, the box, I mean, you'd be

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Speaker 2: a multi millionaire thousands at least, right, Yeah, so that's

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Speaker 2: a good point. But yeah, having there was always a

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Speaker 2: conversation between my parents and I because they said, listen,

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Speaker 2: here's a limit on what we're willing to spend four

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Speaker 2: shoes for you. If you want, we can get you

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Speaker 2: these like rebox and you're gonna and you can wear those.

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Speaker 2: But if you want those nicer shoes, you're gonna have

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Speaker 2: to bring some of your own birthday or Christmas money

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Speaker 2: to the table in order to make it happen. And

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Speaker 2: that was the first time I think I realized trade

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Speaker 2: offs and how important trade offs are when we're talking

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Speaker 2: about personal finances. And sometimes occasionally I did opt for

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Speaker 2: the fancy shoes. I put my money where my mouth

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Speaker 2: was and I was like, this is worth it. And

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Speaker 2: I still remember that Paris Scottie phupans, and they were

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Speaker 2: worth it.

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Speaker 1: They felt so good on your feet.

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Speaker 2: They were so good. But most of the time I

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Speaker 2: opted to say, I don't know, I'm gonna get the

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Speaker 2: free shoes that mom and dad are gonna buy me.

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Speaker 2: But that's one of those I think first memories I

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Speaker 2: had where it was like, I have a decision and

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Speaker 2: I have money that I can choose whether or not

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Speaker 2: this is worth it or not to me.

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Speaker 1: Yeah. Well, I mean I love what your parents did

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Speaker 1: there as well, because essentially what they're doing is matching you, right,

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Speaker 1: like they're kind of meeting you. I don't know exactly

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Speaker 1: how much they're willing to bring to the table, but

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Speaker 1: the ability for them to kind of incentivize you to

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Speaker 1: alter your spending, your behavior a little bit, because you

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Speaker 1: could have taken out money and been like, yeah, I

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Speaker 1: really want those shoes, and then you go blow the

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Speaker 1: rest of the money on your Sega Dreamcast or whatever.

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Speaker 1: I remember you buying from the yard zale or something.

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Speaker 1: But yeah, because I love when parents are able to

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Speaker 1: mimic the different types of patterns and behaviors that were

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Speaker 1: going to encounter in real life, right, Yeah, And so this,

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Speaker 1: I mean, I love that your parents did that, and

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Speaker 1: I look forward to being able to do that with

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Speaker 1: you know, with my kids. I'm sure you're looking forward

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Speaker 1: to doing the same as our kids get older. Oh yeah,

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Speaker 1: so kind of moving along.

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Speaker 2: You know.

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Speaker 1: One of the things that I think is really impressive

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Speaker 1: about you is the number of different, like different jobs

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Speaker 1: that I've heard you had while you're in high school.

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Speaker 2: Like I only worked at the local golf course, but

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Speaker 2: you had a quite varied work history. So yeah, tell

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Speaker 2: us about that, and specifically, did you have a favorite

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Speaker 2: job that you held? Okay, so yeah, I had a

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Speaker 2: bunch of different jobs growing up, and some of them

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Speaker 2: before the age where you're legally allowed to work just

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Speaker 2: stuff in the neighborhood, like mowing lawns, right and that

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Speaker 2: it was like literally my first introduction to making my

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Speaker 2: own money, and that was empowering. And my dad was

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Speaker 2: just a big help in helping me get that business

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Speaker 2: off the ground, Like had just a few yards in

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Speaker 2: the neighborhood, and he was always willing to help me

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Speaker 2: on a Saturday, which is huge. Like he wasn't just like,

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Speaker 2: all right, go pound the pavement, son, he was like,

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Speaker 2: I know, he was dead tired from working all week,

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Speaker 2: and he still came with me to mow those lines,

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Speaker 2: which I yeah, major props to my pops. But yeah. Then,

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Speaker 2: at at fourteen, the earliest age you could start working

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Speaker 2: in the state of Georgia, I started working at Chick

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Speaker 2: fil A, and right across the street from my high

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Speaker 2: school was the easiest place to get to, so I

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Speaker 2: could walk straight across and work for three hours before

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Speaker 2: I would go home for the evening. And I still

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Speaker 2: remember my starting wage five dollars and fifteen cents an hour,

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Speaker 2: which was the bare minimum you were allowed to.

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Speaker 1: Get paid, the far cry from what they're paying today.

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Speaker 2: But I think my favorite job overall in those years between,

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Speaker 2: like you know, growing up and then getting to college

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Speaker 2: was working at the Eckerd Photo Lab. Okay, that was

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Speaker 2: just like a fun job where I was like getting

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Speaker 2: to interact with people who had just gone on vacation

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Speaker 2: and they turned in their phone. And do people even

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Speaker 2: still do that anymore? I don't think. So there's not

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Speaker 2: like a photo person.

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Speaker 1: Well they do. I mean they've got the printers, but

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Speaker 1: you just sent in. They don't bring in the roles

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Speaker 1: of film exactly. They send it in from their phone.

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Speaker 2: But me, I was like manning the machine and changing

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Speaker 2: changing tones. I got like an old school version of photoshop,

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Speaker 2: and then I would get to talk to people about

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Speaker 2: the photos I.

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Speaker 1: Had seen because you'd seen it and you kind of

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Speaker 1: know who's about to walk into exactly because you've been

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Speaker 1: staring at pictures of them.

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Speaker 2: Yeah, I'm like, hey, Rome looked like it was fun.

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Speaker 2: Huh how about it?

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Speaker 1: They're like, dude, stop being a cream So that was a.

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Speaker 2: Fun trying not to be the Robin Williams from One

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Speaker 2: Hour Photos.

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Speaker 1: But I mean, so you just enjoyed that. That was

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Speaker 1: just a I mean, they sounded like it was fun

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Speaker 1: from a social standpoint, and knowing you, obviously that doesn't

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Speaker 1: surprise me at all.

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Speaker 2: Yeah, I just got The way I got to interact

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Speaker 2: with people was probably the most fun part of that.

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Speaker 1: Did you did you ever have like a really amazing

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Speaker 1: boss or manager who? I don't know. I feel that

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Speaker 1: in the past when I look back to some of

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Speaker 1: the different folks who influenced me, they were always really

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Speaker 1: good teachers. And so for me, for whatever reason, that's

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Speaker 1: something that would stand out to me is the ability

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Speaker 1: to not just do the job and get some stuff done,

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Speaker 1: but the ability to grow as an individual and to learn.

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Speaker 1: I'm curious if you had some different jobs where you

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Speaker 1: had an individual that stood out to you.

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Speaker 2: I feel like I've always been lucky to work for

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Speaker 2: awesome people for the most part. Like, there are a

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Speaker 2: couple of bosses I can pull back to and be like,

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Speaker 2: not my favorite, but for the most part, they were great, honestly,

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Speaker 2: And it was one of those good situations where when

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Speaker 2: you're fourteen fifteen and you're completely immature, you need someone

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Speaker 2: who's going to give you like a whole lot of

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Speaker 2: grace as they're kind of helping you grow up into

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Speaker 2: an adult. And that was just a great learning experience

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Speaker 2: for me having a job early on. But yeah, I

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Speaker 2: think the managers there were super helpful and it was

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Speaker 2: a great experience.

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Speaker 1: I don't know.

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Speaker 2: Probably my favorite boss was at the radio station I

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Speaker 2: worked at for like fourteen fifteen years, and just because

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Speaker 2: he was such an encourager and he was such a

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Speaker 2: believer in your talent and abilities, and he was always

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Speaker 2: encouraging not just me, everybody in the building about what

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Speaker 2: they could do. And I remember reading something actually from

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Speaker 2: a friend recently who she she is a writer and

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Speaker 2: she writes all the time, and she points back to

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Speaker 2: pointing back recently to this high school teacher who told

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Speaker 2: her you're a great writer and like you can do this,

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Speaker 2: and net still is in her mind, motivating her to

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Speaker 2: write to this day, and I think interesting, I look

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Speaker 2: back to some of those conversations when I was working

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Speaker 2: at the radio station and my boss saying like, you

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Speaker 2: got this, You've got talent, and like you need to

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Speaker 2: keep working at this, but like, I like what you're doing,

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Speaker 2: and that goes a long way in helping foster someone's career.

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Speaker 2: And if you can be that person, I think to

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Speaker 2: tell somebody that they're on the right path or that

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Speaker 2: you like what they're doing, you never know how far

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Speaker 2: those words of encouragement are going to go.

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Speaker 1: That's funny. Yeah, as you were saying that about your

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Speaker 1: friend who was a writer, it made me think back

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Speaker 1: to when I was in college. One of my professor

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Speaker 1: I was taking advertising classes. I remember her specifically talking

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Speaker 1: about photography because essentially we had to come up with

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Speaker 1: our own little campaign and she's like, hey, this is

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Speaker 1: a pretty great concept. You know, the headline, like the

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Speaker 1: copy is great, but these images are awesome. She's like,

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Speaker 1: have you ever thought about photography? And thinking back, I

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Speaker 1: realized that maybe that may have been what kind of

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Speaker 1: pointed me in the direction of focusing more on photography.

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Speaker 1: As I got into graphic design, it always had a

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Speaker 1: more photographic lean to it, and then obviously it got

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Speaker 1: into photography as well. And we are actually going to

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Speaker 1: talk more about, you know, your history there at the

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Speaker 1: radio station. I think I'm going to have a question

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Speaker 1: maybe about the same boss who you mentioned perhaps, But

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Speaker 1: before we get to that though, like before we get

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Speaker 1: to that stage of your life, you know, I think,

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Speaker 1: like here on the show, you've only really just touched

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Speaker 1: on the fact that, like, it wasn't all smooth sailing

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Speaker 1: at home as a kid when it came to money.

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Speaker 1: Do you want to share you know, what I've heard

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Speaker 1: you described before as perhaps your most pivotal money moment.

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Speaker 2: Sure, yeah, I mean I think this is really when,

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Speaker 2: if there is a inflection point in my personal finance trajectory,

399
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Speaker 2: it was growing up age basically twelve or thirteen, when

400
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Speaker 2: my parents ended up filing for bankruptcy. And at the

401
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Speaker 2: same time after that, the our car got repossessed, and

402
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Speaker 2: it was one of the things where we knew it

403
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Speaker 2: was going to happen, we just didn't know when. And

404
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Speaker 2: one day we were expecting it to happen, and it

405
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Speaker 2: didn't happen, didn't happen, and then it was gone one morning.

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Speaker 2: And it was one of those things where I just

407
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Speaker 2: remember as a kid it was kind of like looming

408
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Speaker 2: over our heads and at the same time it was

409
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Speaker 2: money was a constant source of friction in the house.

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Speaker 2: And so yeah, I think I was also at this

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Speaker 2: important age where it left this indelible mark. I mean

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Speaker 2: where it's like my younger sister, she was a little

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Speaker 2: bit younger than me, maybe couldn't not quite old enough

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Speaker 2: to realize exactly what was going on. My older sister

415
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Speaker 2: was in high school, she was like dating and working,

416
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Speaker 2: and I was just at this like hyper impressionable age

417
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Speaker 2: where that left a major mark and I think has

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Speaker 2: probably still contributed to how how I view money today

419
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Speaker 2: and just how maybe how intentional I am with it.

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Speaker 2: But yeah, that was the point. It was that it

421
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Speaker 2: was that age, and it was those things happening in

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Speaker 2: my family's life that made me say, like, you know what,

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Speaker 2: I want to be good with money. You know, you

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Speaker 2: know what, I want to be good enough with money

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Speaker 2: where I don't ever have to argue about money with

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Speaker 2: my spouse and it's not that you know, Emily and

427
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Speaker 2: I don't still have money disagreements from time to time,

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Speaker 2: but it's one of those things where we don't want

429
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Speaker 2: to have get to the point where we're not sure

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Speaker 2: if we're going to have enough, and that leads to

431
00:18:06,840 --> 00:18:09,479
Speaker 2: conflict sure or us having to do things that we

432
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Speaker 2: don't want to do in order just to secure more money.

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Speaker 2: But yeah, that's definitely the probably the most pivotal point

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Speaker 2: in my life when it comes to how I think,

435
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Speaker 2: in view and do money in personal finance.

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Speaker 1: Yeah, I mean, we always are going to have disagreements

437
00:18:22,480 --> 00:18:24,840
Speaker 1: oftentimes with our partners when it comes to money, but

438
00:18:24,920 --> 00:18:27,040
Speaker 1: you just don't necessarily want all of your conversations to

439
00:18:27,080 --> 00:18:30,480
Speaker 1: be negative, right, Like, hopefully you are in a position

440
00:18:31,080 --> 00:18:32,920
Speaker 1: where you can sit down and when you talk about money,

441
00:18:32,920 --> 00:18:35,639
Speaker 1: it's it's a very good conversation. It's this thing that

442
00:18:35,680 --> 00:18:37,720
Speaker 1: where maybe you're cracking out, you know, a craft beer

443
00:18:37,800 --> 00:18:39,679
Speaker 1: or a bottle of line. You're having this meeting with

444
00:18:39,800 --> 00:18:42,760
Speaker 1: your partner because you are wanting to look ahead at

445
00:18:42,800 --> 00:18:45,000
Speaker 1: the different goals that you share or that you're you

446
00:18:45,000 --> 00:18:47,680
Speaker 1: know that might be looming on the horizon. But you know, I, yeah,

447
00:18:47,720 --> 00:18:50,399
Speaker 1: I think it's hard to fully understand and you know

448
00:18:50,680 --> 00:18:53,080
Speaker 1: the impact of an event like that, like as we're

449
00:18:53,080 --> 00:18:55,560
Speaker 1: growing up, even you know, when decades have passed and

450
00:18:55,600 --> 00:18:58,840
Speaker 1: we have the benefit of hindsight, do you ever wonder, like,

451
00:18:58,840 --> 00:19:01,720
Speaker 1: what would have happened if that had never happened. Do

452
00:19:01,760 --> 00:19:03,720
Speaker 1: you think that maybe instead you would have been kind

453
00:19:03,720 --> 00:19:06,040
Speaker 1: of like spendthrift Joel, Like there would have been this

454
00:19:06,080 --> 00:19:06,760
Speaker 1: alter ego.

455
00:19:07,320 --> 00:19:09,919
Speaker 2: Honestly, Zarro Joel, Probably, I think so. Yeah, I think

456
00:19:09,960 --> 00:19:11,560
Speaker 2: I do think so. I mean, I don't really think

457
00:19:11,560 --> 00:19:13,320
Speaker 2: about it like that very often, but I do think

458
00:19:13,359 --> 00:19:15,159
Speaker 2: that left such a mark that I am a different

459
00:19:15,160 --> 00:19:19,080
Speaker 2: person because it'd be a sneakerhead, and I don't think, yeah,

460
00:19:19,119 --> 00:19:21,040
Speaker 2: maybe maybe I would be one of those guys spending

461
00:19:21,080 --> 00:19:22,280
Speaker 2: all his money on fancy sneakers.

462
00:19:22,400 --> 00:19:23,879
Speaker 1: You spend more on shoes than I do.

463
00:19:24,480 --> 00:19:28,240
Speaker 2: Yes, But I also I don't think of it as

464
00:19:28,400 --> 00:19:30,840
Speaker 2: this negative experience that I would go back and change,

465
00:19:30,880 --> 00:19:34,480
Speaker 2: even though at the time it was difficult. I feel

466
00:19:34,520 --> 00:19:37,400
Speaker 2: like what it's led to has been something really good.

467
00:19:37,640 --> 00:19:39,040
Speaker 2: And yeah, so I don't think of it as something

468
00:19:39,080 --> 00:19:40,960
Speaker 2: that I want to go back in a race. But

469
00:19:41,000 --> 00:19:42,679
Speaker 2: at the same time, that doesn't that doesn't mean it

470
00:19:42,720 --> 00:19:44,040
Speaker 2: was easy while it was happening.

471
00:19:44,080 --> 00:19:46,080
Speaker 1: Sure, it's not something that you would wish that you're

472
00:19:46,160 --> 00:19:49,520
Speaker 1: planning to happen to your family, to your kids. All Right,

473
00:19:49,560 --> 00:19:51,520
Speaker 1: So I feel like we've kind of covered young Joel.

474
00:19:51,600 --> 00:19:53,560
Speaker 1: We're gonna get to a slightly older Joel. We're gonna

475
00:19:53,560 --> 00:19:56,720
Speaker 1: get to Joel as he entered adulthood. I've got several

476
00:19:56,800 --> 00:19:59,479
Speaker 1: other questions, including some a question about college, and will

477
00:19:59,520 --> 00:20:05,480
Speaker 1: actually get to that right after this break.

478
00:20:10,680 --> 00:20:11,760
Speaker 2: All right, so we are back.

479
00:20:11,800 --> 00:20:15,000
Speaker 1: We're doing a special deep dive episode on Joel's money

480
00:20:15,000 --> 00:20:18,159
Speaker 1: origin story. Joel, you just shared the experience of having

481
00:20:18,200 --> 00:20:22,440
Speaker 1: a family car repossessed. But ultimately that wasn't a decision

482
00:20:22,480 --> 00:20:24,879
Speaker 1: that you yourself made, right, it happened to you. You

483
00:20:24,920 --> 00:20:27,320
Speaker 1: were kind of more in the passenger seat. Not literally,

484
00:20:27,520 --> 00:20:30,359
Speaker 1: I was not the one who bought the car exactly you.

485
00:20:30,760 --> 00:20:32,520
Speaker 1: I did not do the finance. It was you were

486
00:20:32,600 --> 00:20:34,719
Speaker 1: more in a passive position. I guess is what I'm

487
00:20:34,760 --> 00:20:37,200
Speaker 1: getting out here. But while you were in college, you

488
00:20:37,640 --> 00:20:40,840
Speaker 1: actively made a decision that ended up having a lasting

489
00:20:40,920 --> 00:20:43,760
Speaker 1: impact on your finances. Can you tell us about that? Sure?

490
00:20:43,840 --> 00:20:45,480
Speaker 2: Yes, I mean so while I was in college, the

491
00:20:45,480 --> 00:20:47,359
Speaker 2: first two years. I ended up going to like a

492
00:20:47,400 --> 00:20:50,919
Speaker 2: private school in South Carolina, and I think it was

493
00:20:50,960 --> 00:20:52,280
Speaker 2: the best place for me at the time for the

494
00:20:52,320 --> 00:20:53,879
Speaker 2: first two years of school. But it was one of

495
00:20:53,880 --> 00:20:57,760
Speaker 2: those things where I realized halfway through, wait a second,

496
00:20:57,760 --> 00:20:59,800
Speaker 2: I'm I'm taking on debt to go to the school

497
00:20:59,800 --> 00:21:02,320
Speaker 2: I got. Fortunately, I got a lot of great scholarships,

498
00:21:02,320 --> 00:21:05,879
Speaker 2: but still I was at two years into college. A

499
00:21:05,960 --> 00:21:07,840
Speaker 2: private school. Yeah, costs a lot of money. I had

500
00:21:07,880 --> 00:21:09,760
Speaker 2: twelve grand and student debt. And probably a lot of

501
00:21:09,760 --> 00:21:11,520
Speaker 2: people just laughed when they heard that because they're like,

502
00:21:11,560 --> 00:21:15,040
Speaker 2: that is nothing that that's like basically Grand Boddy. Sure,

503
00:21:15,200 --> 00:21:18,879
Speaker 2: that's like books for me exactly, and a lot of

504
00:21:18,880 --> 00:21:20,879
Speaker 2: people would feel that way, and especially right now, I

505
00:21:20,920 --> 00:21:23,600
Speaker 2: get it, like the price of education has skyrocketed, of

506
00:21:23,640 --> 00:21:27,960
Speaker 2: course in the last what fifteen eighteen years, but it's

507
00:21:28,040 --> 00:21:31,240
Speaker 2: at the same time for me, I said, why why

508
00:21:31,280 --> 00:21:34,000
Speaker 2: am I here? And can I accomplish the same goal

509
00:21:34,119 --> 00:21:36,440
Speaker 2: what I want? Can I get what I want at

510
00:21:36,480 --> 00:21:40,080
Speaker 2: another school where maybe it's free. And the cool thing

511
00:21:40,119 --> 00:21:41,760
Speaker 2: about the state of Georgia and a lot of other

512
00:21:41,760 --> 00:21:44,359
Speaker 2: states have something similar than this thing called the Hope Scholarship,

513
00:21:44,400 --> 00:21:47,200
Speaker 2: where if you had over a three point oh GPA

514
00:21:47,280 --> 00:21:50,200
Speaker 2: in high school, you were able to go to college

515
00:21:50,240 --> 00:21:52,240
Speaker 2: for free in state I mean the in state universities,

516
00:21:52,280 --> 00:21:55,440
Speaker 2: and so I transferred back and ended up getting my

517
00:21:55,560 --> 00:21:57,840
Speaker 2: last two years of education for free because of that.

518
00:21:58,280 --> 00:21:59,840
Speaker 2: And I was living at home and working at the

519
00:21:59,840 --> 00:22:02,920
Speaker 2: same time. So it was one of those things where I'm, yeah,

520
00:22:02,920 --> 00:22:05,680
Speaker 2: I'm really glad I made that choice. Not adding more

521
00:22:05,720 --> 00:22:09,280
Speaker 2: student loan pain to that bucket load of debt is

522
00:22:09,280 --> 00:22:11,360
Speaker 2: is something I'm happy I avoided totally.

523
00:22:11,680 --> 00:22:13,560
Speaker 1: And let's be honest too, like there's a good chance

524
00:22:13,560 --> 00:22:15,200
Speaker 1: of you not getting out in two more years. You

525
00:22:15,240 --> 00:22:18,000
Speaker 1: probably would have been on that five year plan off

526
00:22:18,040 --> 00:22:18,879
Speaker 1: of that private school.

527
00:22:18,960 --> 00:22:20,800
Speaker 2: No, it's interesting. Actually switching back was one of those

528
00:22:20,800 --> 00:22:22,119
Speaker 2: things where I lost a couple of credits and so

529
00:22:22,160 --> 00:22:24,080
Speaker 2: I really I had to work even harder, but I'd

530
00:22:24,080 --> 00:22:26,600
Speaker 2: already been taking like eighteen nineteen hours and so it

531
00:22:26,680 --> 00:22:28,119
Speaker 2: kind of put me back on the track to like

532
00:22:28,680 --> 00:22:30,840
Speaker 2: you still got to take sixteen seventeen hours every semester.

533
00:22:31,200 --> 00:22:33,240
Speaker 2: A couple of them didn't transfer, but it was still

534
00:22:33,240 --> 00:22:33,600
Speaker 2: worth it.

535
00:22:33,640 --> 00:22:35,159
Speaker 1: Gotcha and got it well, you know, Like what I

536
00:22:35,200 --> 00:22:37,040
Speaker 1: really appreciate though, is the fact that like you were

537
00:22:37,040 --> 00:22:39,520
Speaker 1: willing to make this serious change to your life, like

538
00:22:39,600 --> 00:22:42,520
Speaker 1: once you realize that things weren't painting out. Because I

539
00:22:42,560 --> 00:22:45,040
Speaker 1: believe that that most college students in your position, I

540
00:22:45,040 --> 00:22:47,359
Speaker 1: think they would have just stuck around and wrote it

541
00:22:47,400 --> 00:22:49,280
Speaker 1: out while racking up that debt. I feel like that's

542
00:22:49,280 --> 00:22:50,880
Speaker 1: what I would have done, Like because at that point

543
00:22:50,880 --> 00:22:53,200
Speaker 1: in your life, you're surrounded by friends. You see sort

544
00:22:53,240 --> 00:22:55,639
Speaker 1: of the trajectory of everyone. And for me, like, at

545
00:22:55,680 --> 00:22:57,560
Speaker 1: one point, I thought about changing majors, and I knew

546
00:22:57,560 --> 00:23:00,400
Speaker 1: that that was going to mean an additional year or two,

547
00:23:00,840 --> 00:23:03,520
Speaker 1: and I thought, no way, Like, I can't, I can't

548
00:23:03,520 --> 00:23:05,479
Speaker 1: do that. A I didn't want to. I didn't have

549
00:23:05,480 --> 00:23:07,600
Speaker 1: the money on hand because I was running out of scholarship.

550
00:23:07,640 --> 00:23:10,520
Speaker 1: But be all, my friends were graduating, and so for me,

551
00:23:10,600 --> 00:23:13,399
Speaker 1: there was almost like this social pressure. And that's actually

552
00:23:13,440 --> 00:23:15,200
Speaker 1: kind of surprising, I guess, because you are a very

553
00:23:15,280 --> 00:23:18,439
Speaker 1: social dude. But even still you're able to combat that.

554
00:23:18,840 --> 00:23:20,320
Speaker 1: You were able to fight those pressures. Well, a lot

555
00:23:20,320 --> 00:23:22,359
Speaker 1: of my friends actually were seniors that year when I

556
00:23:22,400 --> 00:23:24,000
Speaker 1: was graduating, so they were.

557
00:23:23,920 --> 00:23:25,520
Speaker 2: Leaving, and I was like, I guess it's I mean,

558
00:23:25,560 --> 00:23:28,560
Speaker 2: why not, because yeah, when your friend base is leaving.

559
00:23:28,560 --> 00:23:30,560
Speaker 2: You're right, that time kind of helps make that decision

560
00:23:30,560 --> 00:23:33,520
Speaker 2: a little bit easier, got it. But but I will say, yeah,

561
00:23:33,600 --> 00:23:36,439
Speaker 2: I think that you're Yeah, you can't credit that fully.

562
00:23:36,480 --> 00:23:38,680
Speaker 2: You're able to piggyback off of the fact.

563
00:23:38,520 --> 00:23:40,440
Speaker 1: That you had a bunch of friends who are graduating. Yep,

564
00:23:40,440 --> 00:23:42,479
Speaker 1: You're like, they're graduating, Time for me to get out

565
00:23:42,480 --> 00:23:44,240
Speaker 1: of here. It's going to peace out as well. Yeah,

566
00:23:44,280 --> 00:23:46,080
Speaker 1: for sure, And that was definitely that was definitely part

567
00:23:46,080 --> 00:23:48,880
Speaker 1: of it and made that decision easier. Yes, I think

568
00:23:48,880 --> 00:23:51,040
Speaker 1: that's one of the things that, like you said, a

569
00:23:51,040 --> 00:23:54,560
Speaker 1: lot of high school students all have young adults going

570
00:23:54,560 --> 00:23:57,480
Speaker 1: into college first couple of years, they're oblivious to the

571
00:23:57,520 --> 00:23:59,000
Speaker 1: student loan deb that they might be taking it on.

572
00:23:59,320 --> 00:24:01,480
Speaker 1: I think they're becoming less oblivious. I think it's become

573
00:24:01,520 --> 00:24:04,840
Speaker 1: such a problem that they can't avoid knowing what's happening

574
00:24:04,840 --> 00:24:08,080
Speaker 1: to them. But for a long time, a lot of

575
00:24:08,080 --> 00:24:11,000
Speaker 1: people in just a little bit younger than we are,

576
00:24:11,480 --> 00:24:15,679
Speaker 1: have been kind of fed the belief that a college

577
00:24:15,760 --> 00:24:18,719
Speaker 1: education at whatever cost is going to be worth it.

578
00:24:19,000 --> 00:24:23,200
Speaker 1: And now people are being forced to challenge that assumption

579
00:24:23,280 --> 00:24:24,680
Speaker 1: a little bit more. And I think it's a good thing,

580
00:24:24,960 --> 00:24:27,840
Speaker 1: because it's not that we think college is a bad thing.

581
00:24:27,880 --> 00:24:30,600
Speaker 1: Like I would go over and do it again for myself. Yeah,

582
00:24:30,640 --> 00:24:32,919
Speaker 1: But at the same time, you have to weigh the

583
00:24:33,000 --> 00:24:34,879
Speaker 1: risk in the reward and you have to say, do

584
00:24:34,960 --> 00:24:37,600
Speaker 1: it in a responsible manner because if you don't, it's

585
00:24:37,640 --> 00:24:39,760
Speaker 1: not a good decision. And you want to make sure

586
00:24:39,800 --> 00:24:42,160
Speaker 1: that whatever education you're receiving is going to be put

587
00:24:42,160 --> 00:24:44,639
Speaker 1: to good use in that the debt, the potential debtload

588
00:24:44,680 --> 00:24:46,800
Speaker 1: that you're taking on, that you minimize it, and that

589
00:24:46,920 --> 00:24:48,040
Speaker 1: it propels you.

590
00:24:48,000 --> 00:24:48,720
Speaker 2: To hire earnings.

591
00:24:48,800 --> 00:24:50,920
Speaker 1: Nice. Yeah, and you also share that you're saving money

592
00:24:50,920 --> 00:24:53,280
Speaker 1: by living at home. I think that is such an

593
00:24:53,359 --> 00:24:55,840
Speaker 1: underrated way to do college, right because, like you said,

594
00:24:55,880 --> 00:24:58,639
Speaker 1: those first two years undergrads are oblivious. I mean literally

595
00:24:58,760 --> 00:25:01,560
Speaker 1: my first two years I changed schools, like within the

596
00:25:01,600 --> 00:25:04,200
Speaker 1: college both. I mean I did it literally. I think

597
00:25:04,200 --> 00:25:07,040
Speaker 1: every single year I was in college, I was in

598
00:25:07,080 --> 00:25:09,800
Speaker 1: a different school because I thought, oh, first I'm gonna

599
00:25:09,800 --> 00:25:12,080
Speaker 1: be a science major. Oh no, that I don't like chemistry.

600
00:25:12,680 --> 00:25:14,919
Speaker 1: That's not working out, and so now I'm gonna be

601
00:25:15,000 --> 00:25:17,320
Speaker 1: in the business school. I'm in terry. And then you

602
00:25:17,359 --> 00:25:19,720
Speaker 1: bounce around and I mean this first two years. I

603
00:25:19,880 --> 00:25:22,320
Speaker 1: you know, granted some of those credits did count, but

604
00:25:22,359 --> 00:25:23,880
Speaker 1: you have no idea what you're doing.

605
00:25:23,920 --> 00:25:25,439
Speaker 2: That's what those first two years are for those some

606
00:25:25,480 --> 00:25:27,560
Speaker 2: of that trial and error, absolutely, but figuring out what

607
00:25:27,640 --> 00:25:28,119
Speaker 2: you're interesting.

608
00:25:28,320 --> 00:25:31,439
Speaker 1: What better way to experience some of that trial and

609
00:25:31,520 --> 00:25:34,600
Speaker 1: error than to you'd be paying very little money by

610
00:25:34,640 --> 00:25:37,600
Speaker 1: going to a local community college. Yes, we are huge

611
00:25:37,760 --> 00:25:41,119
Speaker 1: proponents of folks doing that. So, yeah, you graduated, you

612
00:25:41,200 --> 00:25:43,400
Speaker 1: kind of you know, started to grow up a little bit,

613
00:25:43,960 --> 00:25:46,560
Speaker 1: move on with your life before we started our own

614
00:25:46,560 --> 00:25:48,760
Speaker 1: little company here, you know, with this podcast, like I

615
00:25:48,800 --> 00:25:51,560
Speaker 1: pictured you as what i'd call like a company man,

616
00:25:53,480 --> 00:25:55,520
Speaker 1: not that you had that's good. Well, you didn't have

617
00:25:55,520 --> 00:25:57,320
Speaker 1: to wear like a suit or anything, right, But.

618
00:25:57,520 --> 00:25:59,280
Speaker 2: That's actually part of the reason and a terrible reason.

619
00:25:59,359 --> 00:26:01,280
Speaker 2: But why I chose to go work in radio was

620
00:26:01,320 --> 00:26:04,840
Speaker 2: because you could wear jeans and flip flops, and literally

621
00:26:04,920 --> 00:26:06,680
Speaker 2: that was half of my reasons. Really, you don't have

622
00:26:06,720 --> 00:26:07,800
Speaker 2: to dress up to do that.

623
00:26:08,240 --> 00:26:11,119
Speaker 1: I feel, Yeah, Well, a lifestyle and what it feels

624
00:26:11,200 --> 00:26:13,359
Speaker 1: like to go work for a company that have that

625
00:26:13,400 --> 00:26:16,600
Speaker 1: has a lot of weight when it comes to the decisions.

626
00:26:16,600 --> 00:26:19,240
Speaker 1: I mean literally, when I was looking to apply to

627
00:26:19,240 --> 00:26:22,000
Speaker 1: different advertising agencies like that was also something I kept

628
00:26:22,040 --> 00:26:25,040
Speaker 1: in mind as well, because actually I can't remember if

629
00:26:25,040 --> 00:26:27,720
Speaker 1: mad Men was out at that point, but even still

630
00:26:28,000 --> 00:26:30,960
Speaker 1: the modern advertising agency, it was still kind of like

631
00:26:31,000 --> 00:26:33,119
Speaker 1: a cooler place to work. They didn't drink an old

632
00:26:33,160 --> 00:26:35,480
Speaker 1: fashion on the job. I'm out of here, than like

633
00:26:35,520 --> 00:26:38,080
Speaker 1: an accounting firm or something like that. But the ability

634
00:26:38,119 --> 00:26:39,960
Speaker 1: to work in a creative department and just wear jeans

635
00:26:39,960 --> 00:26:43,280
Speaker 1: and a hoodie was definitely something that was appealing to me.

636
00:26:44,119 --> 00:26:46,240
Speaker 1: And so it's not fancy in that way, but your

637
00:26:46,320 --> 00:26:49,919
Speaker 1: job specifically, like you had nice company benefits like a

638
00:26:49,960 --> 00:26:52,920
Speaker 1: four to one K. I just joked earlier about how

639
00:26:53,000 --> 00:26:55,439
Speaker 1: that's not something I ever had access to, but you did.

640
00:26:55,760 --> 00:26:58,199
Speaker 1: You had a match. I've never had anything like that

641
00:26:58,320 --> 00:27:01,080
Speaker 1: up until very recently here with our company. So my

642
00:27:01,160 --> 00:27:04,080
Speaker 1: question for you, did you start investing? Did you start

643
00:27:04,200 --> 00:27:06,560
Speaker 1: maxing out that four one k right away? Like? How

644
00:27:06,560 --> 00:27:08,600
Speaker 1: did you know that that was a smart move? To Mick,

645
00:27:08,640 --> 00:27:09,880
Speaker 1: how did you learn what to do? Sure?

646
00:27:09,960 --> 00:27:12,000
Speaker 2: Yet, No, I did not start maxing out Okay, way

647
00:27:12,040 --> 00:27:13,920
Speaker 2: I was, I was, really I knew.

648
00:27:13,800 --> 00:27:15,800
Speaker 1: Heard it folks. When Joel first got his first job

649
00:27:15,840 --> 00:27:18,080
Speaker 1: he was not taking advantage of the company mesas.

650
00:27:18,160 --> 00:27:19,879
Speaker 2: No, well, no, I was getting the match. Okay, that

651
00:27:20,040 --> 00:27:22,159
Speaker 2: was the one thing I knew not to screw up on.

652
00:27:22,240 --> 00:27:24,199
Speaker 2: There you go, but only because literally the job that

653
00:27:24,359 --> 00:27:26,280
Speaker 2: my first job that I got, or not my first job,

654
00:27:26,320 --> 00:27:28,159
Speaker 2: but the second job that I got that I was

655
00:27:28,200 --> 00:27:30,560
Speaker 2: at for fourteen fifteen years, was we talked a lot

656
00:27:30,560 --> 00:27:33,119
Speaker 2: about personal finance. That was that we worked on a

657
00:27:33,160 --> 00:27:36,480
Speaker 2: consumer advice radio show, and so I knew enough to

658
00:27:36,680 --> 00:27:38,800
Speaker 2: not miss out on the company match, but I had

659
00:27:38,840 --> 00:27:41,720
Speaker 2: still not yet. My ears had not been perked up

660
00:27:41,760 --> 00:27:46,760
Speaker 2: to the ideas of financial independence and the idea of like, well, okay, yeah,

661
00:27:46,760 --> 00:27:49,920
Speaker 2: I'm gonna get if I saved ten percent for forty

662
00:27:50,080 --> 00:27:51,960
Speaker 2: five years of my life, then I'll be able to retire.

663
00:27:52,040 --> 00:27:54,200
Speaker 2: That was still kind of the way I was thinking

664
00:27:54,240 --> 00:27:55,760
Speaker 2: at that point in life.

665
00:27:55,600 --> 00:27:56,920
Speaker 1: Kind of had that old school mindset.

666
00:27:57,000 --> 00:27:59,600
Speaker 2: Yeah, well, I was saying, still plus my salary was

667
00:27:59,680 --> 00:28:02,560
Speaker 2: minus at the time, so maxing and out was I

668
00:28:02,560 --> 00:28:03,160
Speaker 2: wouldn't have been.

669
00:28:03,080 --> 00:28:05,040
Speaker 1: Able to live. It wasn't an option, No, it was

670
00:28:05,119 --> 00:28:05,440
Speaker 1: it was.

671
00:28:05,400 --> 00:28:07,120
Speaker 2: Like, not even closer an option. So getting the match

672
00:28:07,240 --> 00:28:08,920
Speaker 2: was enough of a sacrifice for me to build a

673
00:28:08,920 --> 00:28:11,960
Speaker 2: make but later on, as like my I got more

674
00:28:12,000 --> 00:28:15,760
Speaker 2: in tune with what money can do if it's invested

675
00:28:15,800 --> 00:28:20,040
Speaker 2: early enough, I did begin to pour more and more

676
00:28:20,080 --> 00:28:22,360
Speaker 2: into my four one K, max out my roth Hera,

677
00:28:22,480 --> 00:28:24,600
Speaker 2: then eventually max out my four one K. And so

678
00:28:24,600 --> 00:28:26,720
Speaker 2: it's one of those things where I was like, yes, okay,

679
00:28:27,000 --> 00:28:29,639
Speaker 2: but I wish somebody had challenged me to do that sooner,

680
00:28:29,760 --> 00:28:32,280
Speaker 2: had said, you know what, the match is great, but

681
00:28:32,320 --> 00:28:34,000
Speaker 2: you can do more. And so I think that's why

682
00:28:34,040 --> 00:28:37,159
Speaker 2: I get excited, especially when we hear from younger how

683
00:28:37,240 --> 00:28:39,480
Speaker 2: money listeners and then like I'm doing it already, and

684
00:28:39,520 --> 00:28:42,280
Speaker 2: I'm like, man, if only you have Yeah, twenty three,

685
00:28:42,360 --> 00:28:45,240
Speaker 2: twenty four, I had that same information, that same challenge,

686
00:28:45,280 --> 00:28:47,440
Speaker 2: that same knowledge that you have, like I, you know,

687
00:28:47,640 --> 00:28:49,560
Speaker 2: and and and part of it really is not just

688
00:28:49,600 --> 00:28:52,000
Speaker 2: I can't blame it on a lack of knowledge. It

689
00:28:52,000 --> 00:28:55,240
Speaker 2: really was just a lack of intentionality and and so yeah,

690
00:28:55,280 --> 00:28:57,000
Speaker 2: the fact that they have all those things working together,

691
00:28:57,480 --> 00:28:58,440
Speaker 2: I'm super impressed.

692
00:28:58,480 --> 00:29:01,560
Speaker 1: Well, I mean, I will say just reaching financial independence,

693
00:29:01,920 --> 00:29:04,160
Speaker 1: it had a branding problem basically a right, and in

694
00:29:04,200 --> 00:29:06,640
Speaker 1: the past ten years it really has come a long

695
00:29:06,720 --> 00:29:09,920
Speaker 1: way as being you know as folk seeing retirement as

696
00:29:09,960 --> 00:29:12,400
Speaker 1: something that you do once you hit fifteen nine and

697
00:29:12,440 --> 00:29:14,240
Speaker 1: a half or sixty five years old, where you sit

698
00:29:14,280 --> 00:29:15,760
Speaker 1: on the you know, the rocker on the front porch,

699
00:29:15,760 --> 00:29:17,760
Speaker 1: you got the gold watch, you're sitting there, you no

700
00:29:17,840 --> 00:29:20,800
Speaker 1: longer have to work. That has always been the view

701
00:29:20,920 --> 00:29:24,480
Speaker 1: typically of retirement, of reaching a point of financial freedom.

702
00:29:24,840 --> 00:29:26,960
Speaker 1: But over the past ten years we have seen a

703
00:29:27,040 --> 00:29:29,760
Speaker 1: dramatic shift and what it means to be financially independent.

704
00:29:29,880 --> 00:29:33,040
Speaker 1: It doesn't mean waiting until you're really old to completely

705
00:29:33,040 --> 00:29:36,560
Speaker 1: pull the plug on working. It can mean gradually, over time,

706
00:29:36,640 --> 00:29:39,000
Speaker 1: making that transition, taking on different jobs that you want,

707
00:29:39,120 --> 00:29:41,040
Speaker 1: just the ability to have options.

708
00:29:40,680 --> 00:29:42,800
Speaker 2: Stocking away enough so you can quit your day job

709
00:29:42,840 --> 00:29:45,440
Speaker 2: and go do your own thing and start your own business.

710
00:29:45,440 --> 00:29:47,040
Speaker 2: I mean that. Yeah, I think you're right. I think

711
00:29:47,120 --> 00:29:51,160
Speaker 2: the nuance in this space has grown dramatically, and so

712
00:29:51,240 --> 00:29:54,080
Speaker 2: many great voices have come up to say like, no,

713
00:29:54,120 --> 00:29:55,840
Speaker 2: you can go this path, or you can go this path,

714
00:29:55,880 --> 00:29:58,480
Speaker 2: and so it's opened up people's eyes to say, oh, wait,

715
00:29:58,560 --> 00:30:00,480
Speaker 2: there are a lot of different directions I can go in.

716
00:30:00,520 --> 00:30:02,720
Speaker 2: It's not just the one path that has kind of

717
00:30:02,720 --> 00:30:06,080
Speaker 2: been the traditional Yeah, exactly, Yeah, the traditional path exactly. Okay,

718
00:30:06,120 --> 00:30:08,960
Speaker 2: So real quick, once you got that first decent paying job,

719
00:30:09,200 --> 00:30:11,840
Speaker 2: what were you splurging on before Kraft Beer?

720
00:30:11,960 --> 00:30:15,000
Speaker 1: Right? So on every interview we bring guests on and

721
00:30:15,040 --> 00:30:17,840
Speaker 1: we ask them what their craft beer equivalent is. What

722
00:30:18,040 --> 00:30:20,040
Speaker 1: was your craft beer equivalent before Craft?

723
00:30:21,040 --> 00:30:23,120
Speaker 2: I think it was probably baseball games. I was going

724
00:30:23,120 --> 00:30:25,120
Speaker 2: to Braves games, okay, Yeah, And it's one of those

725
00:30:25,120 --> 00:30:27,240
Speaker 2: things where again I didn't I didn't have much money,

726
00:30:27,440 --> 00:30:31,360
Speaker 2: especially in those those early working gears, and I was

727
00:30:31,400 --> 00:30:34,040
Speaker 2: able to score Brave tickets for super cheap because they

728
00:30:34,040 --> 00:30:36,600
Speaker 2: played downtown. Almost nobody went to the games. I could

729
00:30:36,680 --> 00:30:38,600
Speaker 2: ride my bike over there, yeah, and I would go

730
00:30:38,680 --> 00:30:41,360
Speaker 2: two games and get out of there for five bucks

731
00:30:41,520 --> 00:30:43,440
Speaker 2: or ten bucks if I bought some food. I mean,

732
00:30:43,480 --> 00:30:45,480
Speaker 2: there was just all these ways to go to Braves

733
00:30:45,480 --> 00:30:47,960
Speaker 2: games for super cheap that don't exist now. And so

734
00:30:48,000 --> 00:30:49,880
Speaker 2: I feel like it's like it. But you weren't from

735
00:30:49,880 --> 00:30:50,520
Speaker 2: an old time.

736
00:30:50,440 --> 00:30:52,280
Speaker 1: Right right, So so you weren't spending money on it?

737
00:30:52,120 --> 00:30:53,600
Speaker 2: Was there something I was going consistently?

738
00:30:53,680 --> 00:30:54,200
Speaker 1: All right? So?

739
00:30:54,520 --> 00:30:57,040
Speaker 2: And so I would go to all purchase done consistently. Yeah,

740
00:30:57,080 --> 00:30:59,320
Speaker 2: ads up. I would go twenty twenty five games a year, wow.

741
00:30:59,480 --> 00:31:01,480
Speaker 2: And those were Those were good old days. Now I

742
00:31:01,520 --> 00:31:03,080
Speaker 2: make it to one, maybe two. I didn't make it

743
00:31:03,080 --> 00:31:04,480
Speaker 2: to the World Series, of course, like I told.

744
00:31:04,320 --> 00:31:06,840
Speaker 1: Everybody, that's right, and you didn't. I guess we haven't

745
00:31:06,840 --> 00:31:08,600
Speaker 1: talked about this yet. On the show you Got, You Got,

746
00:31:08,600 --> 00:31:11,200
Speaker 1: You scored yourself some of that World Series swag.

747
00:31:11,360 --> 00:31:14,840
Speaker 2: I got a shirt for merch for Christmas, Yes, but yeah,

748
00:31:14,880 --> 00:31:16,320
Speaker 2: that was that was kind of what I viewed as

749
00:31:16,320 --> 00:31:17,640
Speaker 2: my sports for the time. I was like, I'm all,

750
00:31:17,640 --> 00:31:19,240
Speaker 2: I'm gonna go to as many Braids games as I want.

751
00:31:19,240 --> 00:31:22,360
Speaker 1: You're the Brais game guy. Yep, yeah, totally. Okay, So

752
00:31:22,520 --> 00:31:25,640
Speaker 1: you've kind of alluded to this. Many folks know Clark Howard.

753
00:31:25,920 --> 00:31:29,240
Speaker 1: You know, he was a nationally syndicated consumer advocate radio host,

754
00:31:29,560 --> 00:31:32,680
Speaker 1: and like you said, he talks a lot about personal finance.

755
00:31:33,080 --> 00:31:35,640
Speaker 1: And so I'm assuming you learned a ton while working

756
00:31:35,680 --> 00:31:37,640
Speaker 1: on a show. There's a lot of different concepts, a

757
00:31:37,640 --> 00:31:40,760
Speaker 1: lot of different principles that I'm sure you heard reiterated

758
00:31:41,000 --> 00:31:43,920
Speaker 1: on the show constantly. But so my question for you, though,

759
00:31:44,200 --> 00:31:46,719
Speaker 1: is like, do you have any specific lessons that you learned,

760
00:31:46,840 --> 00:31:50,080
Speaker 1: like not necessarily from the show, but just from being

761
00:31:50,200 --> 00:31:53,360
Speaker 1: around Clark Howard himself that you did different lessons that

762
00:31:53,360 --> 00:31:55,200
Speaker 1: you picked up from observing him in real life.

763
00:31:55,280 --> 00:31:57,320
Speaker 2: Yeah, yeah, for sure. And by the way, the person

764
00:31:57,360 --> 00:31:59,400
Speaker 2: I was talking about earlier on the Boss who influenced

765
00:31:59,400 --> 00:32:01,000
Speaker 2: me was not Clark. Oh really, it was actually the

766
00:32:01,000 --> 00:32:03,800
Speaker 2: program director Pete Spriggs, who was Okay, it still is

767
00:32:03,840 --> 00:32:05,800
Speaker 2: a phenomenal human being. But there you go. I could

768
00:32:05,840 --> 00:32:08,120
Speaker 2: have said many of the same things at Clark truly,

769
00:32:08,200 --> 00:32:12,280
Speaker 2: and yes, shout out to Pete. Yeah, Pete's awesome. Missed

770
00:32:12,320 --> 00:32:15,160
Speaker 2: that guy. But he Clark is such a generous guy

771
00:32:15,280 --> 00:32:18,080
Speaker 2: and in every sense of the word, and he's like

772
00:32:18,120 --> 00:32:21,200
Speaker 2: this positive influence. I would say on everybody that he

773
00:32:21,360 --> 00:32:23,960
Speaker 2: that he meets, like random people at Costco, the way

774
00:32:23,960 --> 00:32:28,120
Speaker 2: he treats them, or just people somebody on the street,

775
00:32:28,120 --> 00:32:29,600
Speaker 2: somebody has a flat tire, like he's the kind of

776
00:32:29,600 --> 00:32:31,440
Speaker 2: guy who stops to help change it, Like it's awesome.

777
00:32:31,640 --> 00:32:34,920
Speaker 2: That's rare, especially in today's Oh yeah, and so yeah,

778
00:32:34,920 --> 00:32:37,480
Speaker 2: I think what I learned from Clark was the way

779
00:32:37,640 --> 00:32:41,960
Speaker 2: you treat everybody matters and down to the person who's

780
00:32:42,400 --> 00:32:44,920
Speaker 2: checking out your groceries at the grocery store, or the

781
00:32:45,160 --> 00:32:49,280
Speaker 2: waitress or waiter when you're ordering food, and so I

782
00:32:49,320 --> 00:32:52,240
Speaker 2: don't know, I think that goes a long way. He

783
00:32:52,360 --> 00:32:56,360
Speaker 2: was just this like incredible cocktail of like optimism, kindness,

784
00:32:56,360 --> 00:32:59,240
Speaker 2: and humility, and it just kind of it's infectious. It

785
00:32:59,240 --> 00:33:02,000
Speaker 2: makes you want to live in the same way. And

786
00:33:02,040 --> 00:33:04,480
Speaker 2: he's definitely that kind of guy. He's one impressive dude.

787
00:33:04,520 --> 00:33:06,920
Speaker 1: Well, especially considering I mean, we had him on the

788
00:33:06,920 --> 00:33:09,400
Speaker 1: show here last year. We can link to that episode

789
00:33:09,400 --> 00:33:11,480
Speaker 1: in our show notes, but we talked about how he

790
00:33:11,560 --> 00:33:13,640
Speaker 1: sold his first business when he was very young, Right,

791
00:33:13,640 --> 00:33:16,560
Speaker 1: he was financially independent at a very young age, and

792
00:33:16,640 --> 00:33:18,880
Speaker 1: so you could easily see him going in a direction

793
00:33:18,960 --> 00:33:22,440
Speaker 1: that wouldn't lend itself to being charitable not only with

794
00:33:22,520 --> 00:33:24,520
Speaker 1: your money, but also how you treat other people.

795
00:33:24,600 --> 00:33:25,080
Speaker 2: Yeah.

796
00:33:25,120 --> 00:33:26,920
Speaker 1: So, yeah, so I'll not We're gonna take a quicker gret.

797
00:33:26,920 --> 00:33:29,280
Speaker 1: But after that, speaking of financial independence, we're gonna talk

798
00:33:29,280 --> 00:33:31,000
Speaker 1: a little bit more about that. We're gonna talk about

799
00:33:31,000 --> 00:33:32,880
Speaker 1: real estates. We'll get to all of that right after

800
00:33:32,920 --> 00:33:43,920
Speaker 1: this break. All right, we're back from the break. We're

801
00:33:43,960 --> 00:33:46,320
Speaker 1: gonna wrap this thing up here before long. Yeah, get

802
00:33:46,400 --> 00:33:49,240
Speaker 1: kicked me out of here. I got somewhere to be.

803
00:33:49,680 --> 00:33:52,280
Speaker 1: I got somebody else to talk to you. Yeah, no,

804
00:33:52,400 --> 00:33:55,560
Speaker 1: literally nobody else to talk to today, just some episodes

805
00:33:55,920 --> 00:33:58,160
Speaker 1: to edit and listen to. But let's talk about real

806
00:33:58,240 --> 00:34:01,560
Speaker 1: estate specifically, because I honestly can't remember how it is

807
00:34:01,600 --> 00:34:04,400
Speaker 1: that you got interested in investing in real estate. I

808
00:34:04,440 --> 00:34:06,959
Speaker 1: know my story, we talked about this last week. I

809
00:34:07,000 --> 00:34:09,640
Speaker 1: remember how I had, you know, the seeds of real

810
00:34:09,719 --> 00:34:13,000
Speaker 1: estate planted, but I don't know how that came about

811
00:34:13,000 --> 00:34:14,640
Speaker 1: for you. So can you share, you know, how it

812
00:34:14,719 --> 00:34:17,040
Speaker 1: is that you that you first saw the light when

813
00:34:17,080 --> 00:34:17,839
Speaker 1: it came to real estate.

814
00:34:17,920 --> 00:34:19,839
Speaker 2: Okay, so this is gonna probably sound a little lame,

815
00:34:19,920 --> 00:34:24,880
Speaker 2: but my my mom super big into HGTV, Like she

816
00:34:25,080 --> 00:34:26,920
Speaker 2: is probably Joanna Gaines's biggest fan.

817
00:34:27,080 --> 00:34:30,560
Speaker 1: She is, and she has she her and your dad.

818
00:34:30,640 --> 00:34:32,200
Speaker 1: They didn't they go to Texas.

819
00:34:32,239 --> 00:34:32,920
Speaker 2: They went to Waco.

820
00:34:33,040 --> 00:34:36,320
Speaker 1: They specifically stayed in a property that she had renovated.

821
00:34:36,600 --> 00:34:38,160
Speaker 1: Was that, like, was it in an Airbnb?

822
00:34:38,360 --> 00:34:38,520
Speaker 2: Yes?

823
00:34:38,520 --> 00:34:40,600
Speaker 1: It was? Okay, Yes, I've got that thing Rakes in

824
00:34:40,680 --> 00:34:41,000
Speaker 1: the cast.

825
00:34:41,080 --> 00:34:43,200
Speaker 2: Yeah, and she's not like, she's not like stalker level,

826
00:34:43,239 --> 00:34:45,239
Speaker 2: But if she met her in person, I think she

827
00:34:45,320 --> 00:34:46,279
Speaker 2: might think she'd be that.

828
00:34:46,440 --> 00:34:47,839
Speaker 1: She definitely recognized her on the street.

829
00:34:47,920 --> 00:34:50,160
Speaker 2: Yes, right, but she's she'd probably I don't know, she

830
00:34:50,200 --> 00:34:53,280
Speaker 2: probably played cool. She probably would, but for just start sweating,

831
00:34:54,120 --> 00:34:56,160
Speaker 2: gotta play it cool. And but for me, I would say,

832
00:34:56,280 --> 00:34:59,799
Speaker 2: HGTV not my favorite channel. But there was this one

833
00:35:00,280 --> 00:35:01,680
Speaker 2: that would come on and.

834
00:35:01,680 --> 00:35:03,040
Speaker 1: Flip or flop or something. No.

835
00:35:03,200 --> 00:35:06,279
Speaker 2: It was called uh income Property okay, and it was

836
00:35:06,280 --> 00:35:07,880
Speaker 2: this host, Scott McGillivray.

837
00:35:08,000 --> 00:35:09,280
Speaker 1: I don't remember that one, okay.

838
00:35:09,280 --> 00:35:11,440
Speaker 2: So this guy used to help people with their property

839
00:35:11,480 --> 00:35:14,239
Speaker 2: turn it into like he would. He would help them

840
00:35:14,400 --> 00:35:18,040
Speaker 2: renovate it and turn it into a cash a property

841
00:35:18,040 --> 00:35:20,000
Speaker 2: that would cash flow even more. And sometimes he would

842
00:35:20,000 --> 00:35:21,600
Speaker 2: turn a single family home into a duplex, or he

843
00:35:21,600 --> 00:35:25,400
Speaker 2: would turn a duplex into a nicer duplex, or they

844
00:35:25,400 --> 00:35:28,080
Speaker 2: were all these different ways. He would suggest to make

845
00:35:28,080 --> 00:35:30,880
Speaker 2: over your house in order to make it more a

846
00:35:30,920 --> 00:35:33,319
Speaker 2: cash flow positive and and and help it to make

847
00:35:33,440 --> 00:35:35,520
Speaker 2: more money and be more valuable like it. And I

848
00:35:35,560 --> 00:35:37,880
Speaker 2: remember watching that show and I was like, Okay, so

849
00:35:38,280 --> 00:35:40,319
Speaker 2: it's not just like paint on walls and QT and

850
00:35:40,360 --> 00:35:43,360
Speaker 2: something up like he's he's got this plan. And he

851
00:35:43,400 --> 00:35:45,560
Speaker 2: would always see the numbers at the end and people

852
00:35:45,600 --> 00:35:48,280
Speaker 2: would be raking in more rent than he even assumed

853
00:35:48,320 --> 00:35:49,920
Speaker 2: at the beginning, so that he'd be like, all right,

854
00:35:49,920 --> 00:35:51,520
Speaker 2: if you do this into this duplex, you get twelve

855
00:35:51,560 --> 00:35:53,080
Speaker 2: hundred on each side, and at the end of the day,

856
00:35:53,080 --> 00:35:54,880
Speaker 2: they're getting fourteen hundred on each side. And I was like,

857
00:35:55,200 --> 00:35:57,360
Speaker 2: what how are they They're They're killing it. And I

858
00:35:57,440 --> 00:36:00,640
Speaker 2: think that sparked the seed of like, wow, okay, you

859
00:36:00,680 --> 00:36:03,120
Speaker 2: can create something beautiful for somebody to live in and

860
00:36:03,160 --> 00:36:06,319
Speaker 2: you can make money at the same time. And there

861
00:36:06,320 --> 00:36:08,520
Speaker 2: were certainly other touch points along the way. I mean,

862
00:36:08,560 --> 00:36:11,120
Speaker 2: I think getting into the Bigger Pockets podcast for a while,

863
00:36:11,160 --> 00:36:13,480
Speaker 2: which is still a great one if you want to

864
00:36:13,520 --> 00:36:14,520
Speaker 2: begin investing in real estate.

865
00:36:14,560 --> 00:36:15,160
Speaker 1: It's really yep.

866
00:36:15,320 --> 00:36:16,680
Speaker 2: Like yeah, definitely one of the best ones in this

867
00:36:16,840 --> 00:36:19,719
Speaker 2: top that I would say, though, kind of sparked at

868
00:36:19,680 --> 00:36:21,720
Speaker 2: the beginning where I was like, oh, okay, my mind started.

869
00:36:21,719 --> 00:36:24,440
Speaker 1: Scott was that his names, yeah, Scott g or J.

870
00:36:24,640 --> 00:36:26,360
Speaker 1: I don't know. So he was the one that was

871
00:36:26,400 --> 00:36:29,080
Speaker 1: like switching out, swapping out the garage door before it

872
00:36:29,160 --> 00:36:31,760
Speaker 1: was cool, but before all the other publications had written

873
00:36:31,760 --> 00:36:34,239
Speaker 1: about the fact that this one thing will increase the

874
00:36:34,280 --> 00:36:36,560
Speaker 1: curb appeal right, allow your property to return more.

875
00:36:36,719 --> 00:36:39,239
Speaker 2: Yeah, he was super smart He always did a good

876
00:36:39,280 --> 00:36:41,560
Speaker 2: job with those rehnos, and he really offered a lot

877
00:36:41,600 --> 00:36:43,239
Speaker 2: of good advice, and then he would do a lot

878
00:36:43,239 --> 00:36:46,520
Speaker 2: of the work because he was also a contractor. And

879
00:36:46,640 --> 00:36:48,279
Speaker 2: they were always just fun episodes. I don't think that

880
00:36:48,320 --> 00:36:50,560
Speaker 2: shows on anymore, but it was one of those where

881
00:36:50,560 --> 00:36:52,120
Speaker 2: if you went back to the backlogs and watch them,

882
00:36:52,120 --> 00:36:52,759
Speaker 2: you learn a lot.

883
00:36:52,880 --> 00:36:54,880
Speaker 1: Got it? And so yes, I mean, so you've been

884
00:36:54,960 --> 00:36:57,359
Speaker 1: investing in real estate for a while now. At this point,

885
00:36:57,360 --> 00:36:58,640
Speaker 1: I feel like you have a lot on your plate.

886
00:36:58,840 --> 00:37:02,239
Speaker 1: You've got several properties you yourself managed. You don't pay

887
00:37:02,280 --> 00:37:04,320
Speaker 1: for management, you don't. You know, that's for the birds.

888
00:37:04,520 --> 00:37:08,400
Speaker 1: You're getting all that money, you're keeping those expenses at

889
00:37:08,440 --> 00:37:12,719
Speaker 1: a minimum. But you're also you're wrapping up renovating your home.

890
00:37:12,760 --> 00:37:15,160
Speaker 1: You've got this, you know the podcast. It's a full

891
00:37:15,200 --> 00:37:18,000
Speaker 1: time job. You've got three kids. Do you foresee yourself

892
00:37:18,000 --> 00:37:22,040
Speaker 1: continuing to buy additional properties? Where's your head at as

893
00:37:22,040 --> 00:37:24,960
Speaker 1: far as your investment property portfolio moving forward?

894
00:37:25,440 --> 00:37:28,000
Speaker 2: Yeah? I mean I think I do see myself buying

895
00:37:28,040 --> 00:37:31,920
Speaker 2: more properties, but I also see myself going towards maybe

896
00:37:32,000 --> 00:37:35,480
Speaker 2: easier ways to use the assets that I have or

897
00:37:35,560 --> 00:37:38,839
Speaker 2: the money that I'm making to make investments because Yeah,

898
00:37:38,920 --> 00:37:41,920
Speaker 2: like we've talked about on the show, we love investment properties,

899
00:37:41,960 --> 00:37:43,879
Speaker 2: and they have been great for us. They've been great

900
00:37:43,920 --> 00:37:46,239
Speaker 2: for me and my family to grow a net worth,

901
00:37:46,360 --> 00:37:49,440
Speaker 2: to have monthly cash flow, and I love that we

902
00:37:49,480 --> 00:37:51,239
Speaker 2: they're right around the corner from us, and many of

903
00:37:51,280 --> 00:37:54,160
Speaker 2: which we have lived in before, and so there's like

904
00:37:54,239 --> 00:37:59,000
Speaker 2: this cool element to investing where you live and I

905
00:37:59,040 --> 00:38:00,840
Speaker 2: love that. I love that part of it, and I

906
00:38:00,840 --> 00:38:04,440
Speaker 2: could see myself potentially buying more properties, but like you said,

907
00:38:04,440 --> 00:38:06,920
Speaker 2: like yeah, plates kind of kind of fold these these days,

908
00:38:07,160 --> 00:38:10,000
Speaker 2: and if we want to grow this business, then growing

909
00:38:10,080 --> 00:38:12,680
Speaker 2: the rental property business kind of takes a back seat.

910
00:38:12,680 --> 00:38:14,279
Speaker 2: It's on the back burner. And so I think if

911
00:38:14,320 --> 00:38:15,880
Speaker 2: I did want to do that, if I did want

912
00:38:15,920 --> 00:38:17,680
Speaker 2: to go hard in that direction, I would have to

913
00:38:17,719 --> 00:38:20,960
Speaker 2: find some help when it comes on the property management side.

914
00:38:21,120 --> 00:38:23,080
Speaker 1: And I was going to actually suggest that because I

915
00:38:23,160 --> 00:38:24,719
Speaker 1: just kind of knocked it, but like that's the path

916
00:38:24,719 --> 00:38:26,040
Speaker 1: that you go. I mean, you get to a certain

917
00:38:26,040 --> 00:38:27,520
Speaker 1: point and there's.

918
00:38:27,320 --> 00:38:29,160
Speaker 2: A certain scale at which you can't handle it all

919
00:38:29,200 --> 00:38:31,320
Speaker 2: yourself exactly, and it does feel like it makes a

920
00:38:31,320 --> 00:38:34,080
Speaker 2: little bit more sense to have a manager, a management company,

921
00:38:34,200 --> 00:38:35,480
Speaker 2: or an individual.

922
00:38:34,960 --> 00:38:38,160
Speaker 1: Who knows you how it is that you like things

923
00:38:38,160 --> 00:38:40,520
Speaker 1: to be maintained, the different kind of vendors who you'd

924
00:38:40,560 --> 00:38:42,279
Speaker 1: like to choose, and if you've got somebody on your

925
00:38:42,320 --> 00:38:44,560
Speaker 1: side who's got your back like that, I could see

926
00:38:44,560 --> 00:38:47,600
Speaker 1: that being incredibly valuable. Yeah, when it comes to freeing

927
00:38:47,640 --> 00:38:48,120
Speaker 1: up your time.

928
00:38:48,200 --> 00:38:51,600
Speaker 2: So yeah, maybe, but I still I love. There's something

929
00:38:51,640 --> 00:38:53,879
Speaker 2: I love about physical real estate and I think it's

930
00:38:54,040 --> 00:38:56,120
Speaker 2: just it's a fun investment in a lot of ways.

931
00:38:56,120 --> 00:38:58,359
Speaker 2: It also it has there's so many perks. We've talked

932
00:38:58,360 --> 00:39:00,480
Speaker 2: about them way too much on the show, and you know,

933
00:39:00,520 --> 00:39:03,480
Speaker 2: there's older episodes you can go to dig into why

934
00:39:03,520 --> 00:39:06,279
Speaker 2: we love it so much. But there's also just this, yeah,

935
00:39:06,320 --> 00:39:09,600
Speaker 2: this this tangible element that I like about it. Whereas

936
00:39:09,760 --> 00:39:12,360
Speaker 2: numbers on a screen have a different effect, don't do

937
00:39:12,440 --> 00:39:14,400
Speaker 2: it for you as much, not the same right, like

938
00:39:14,520 --> 00:39:16,799
Speaker 2: a four to one K balance or I like, it's

939
00:39:16,840 --> 00:39:18,919
Speaker 2: exciting to see those things grow, but I think it's

940
00:39:19,040 --> 00:39:22,040
Speaker 2: more exciting for me to buy a property that I'm like, oh,

941
00:39:22,080 --> 00:39:23,840
Speaker 2: this is undervalued and oh I can I can like this.

942
00:39:24,000 --> 00:39:26,719
Speaker 2: That's Scott McGillvray sort of mindset where it's like, how

943
00:39:26,719 --> 00:39:29,720
Speaker 2: can I maximize the returns on this piece of land

944
00:39:29,760 --> 00:39:31,719
Speaker 2: here with this little house on it. Yeah, and I

945
00:39:31,800 --> 00:39:35,080
Speaker 2: just love old houses too. Yeah. I love those nineteen

946
00:39:35,080 --> 00:39:37,120
Speaker 2: twenties and thirties houses and it's kind of what they've

947
00:39:37,120 --> 00:39:39,480
Speaker 2: got that character. Yeah. So I'm like, I always get

948
00:39:39,480 --> 00:39:40,799
Speaker 2: excited to go over and take a look at a

949
00:39:40,800 --> 00:39:44,400
Speaker 2: house because they're they're pretty, they're cool. It's it's different

950
00:39:44,440 --> 00:39:47,480
Speaker 2: than sticking your six grand in a roth and not

951
00:39:47,520 --> 00:39:48,960
Speaker 2: that that's not that's a bad ideas.

952
00:39:49,000 --> 00:39:51,200
Speaker 1: So, yeah, you need to do that. Yeah, don't hear

953
00:39:51,280 --> 00:39:54,600
Speaker 1: Joel incorrectly, Right, Definitely do that. Make that a priority,

954
00:39:54,680 --> 00:39:56,879
Speaker 1: I would say before you start dabbling into real estate

955
00:39:57,160 --> 00:39:57,360
Speaker 1: or not.

956
00:39:57,400 --> 00:39:59,560
Speaker 2: Everybody feels the same way I do about houses or

957
00:39:59,560 --> 00:40:01,160
Speaker 2: about really state and a lot of people think of

958
00:40:01,200 --> 00:40:03,440
Speaker 2: it as a pain or this thing to maintain, and

959
00:40:03,480 --> 00:40:04,920
Speaker 2: I'm like, well, no, I think it is this thing

960
00:40:04,920 --> 00:40:07,920
Speaker 2: that you can make better, make prettier and and invite

961
00:40:07,920 --> 00:40:10,279
Speaker 2: people to live in and improve the community. Yeah, and

962
00:40:10,320 --> 00:40:12,080
Speaker 2: so part of it maybe is a mindset or maybe

963
00:40:12,120 --> 00:40:13,440
Speaker 2: just a predisposition. I don't know.

964
00:40:13,520 --> 00:40:15,800
Speaker 1: Yeah, So you're talking about the difference between tangible assets

965
00:40:15,840 --> 00:40:17,759
Speaker 1: and intangible so it sounds like you're less of an

966
00:40:17,840 --> 00:40:20,840
Speaker 1: NFT guy more of a master works kind of guy.

967
00:40:21,239 --> 00:40:23,120
Speaker 2: Even that, Like, I'm like, if I don't get to

968
00:40:23,120 --> 00:40:24,359
Speaker 2: put it in my house, I would rather if I'm

969
00:40:24,360 --> 00:40:25,560
Speaker 2: going to buy a piece of art, which.

970
00:40:25,360 --> 00:40:26,440
Speaker 1: I do, buy it locally.

971
00:40:26,520 --> 00:40:27,920
Speaker 2: I love art. Yeah, I buy a little art. I

972
00:40:27,960 --> 00:40:30,000
Speaker 2: put it in my house. For some reason that art

973
00:40:30,239 --> 00:40:33,920
Speaker 2: like quintuples in value cool, but I don't care really.

974
00:40:34,000 --> 00:40:36,040
Speaker 1: Yeah. It also doesn't surprise me that you're into real

975
00:40:36,120 --> 00:40:39,440
Speaker 1: estate because I feel like, like, do you find yourself

976
00:40:39,440 --> 00:40:42,040
Speaker 1: attracted to the aspect that you get to meet new people? So,

977
00:40:42,680 --> 00:40:45,000
Speaker 1: you know, it depends on how busy your life is.

978
00:40:45,040 --> 00:40:47,080
Speaker 1: But when you show a property, it can either be

979
00:40:47,160 --> 00:40:49,200
Speaker 1: the most in my mind, in my experience, it can

980
00:40:49,200 --> 00:40:51,759
Speaker 1: either be the most fun thing ever or it can

981
00:40:51,800 --> 00:40:54,759
Speaker 1: be the most stressful thing. Because if your calendar is

982
00:40:54,760 --> 00:40:57,160
Speaker 1: pretty open, maybe the previous tennant's got out of there

983
00:40:57,160 --> 00:40:59,320
Speaker 1: a little bit sooner, you've already gotten the place cleaned.

984
00:40:59,320 --> 00:40:59,920
Speaker 2: It's good to go.

985
00:41:00,480 --> 00:41:02,439
Speaker 1: You feel good showing it right, like you've got time

986
00:41:02,440 --> 00:41:04,080
Speaker 1: on your side. You've got folks lined up and you're

987
00:41:04,120 --> 00:41:05,680
Speaker 1: able to talk to them. You kind of get to

988
00:41:06,000 --> 00:41:08,320
Speaker 1: hear their story a little bit. But then other times,

989
00:41:08,360 --> 00:41:10,200
Speaker 1: I don't know if you're you know, if it's a

990
00:41:10,280 --> 00:41:11,799
Speaker 1: very narrow window and you've got to show it to

991
00:41:11,800 --> 00:41:14,400
Speaker 1: twenty people thirty people just in a single week, and

992
00:41:14,440 --> 00:41:16,120
Speaker 1: it's a good point. Yea, that can be stressful. But

993
00:41:16,560 --> 00:41:19,400
Speaker 1: I'm thinking about your first job. They're at the ekerds

994
00:41:19,480 --> 00:41:22,600
Speaker 1: or whatever, the photo development, yeah, drug store. There's an

995
00:41:22,600 --> 00:41:25,040
Speaker 1: element of interacting with people that I could see you

996
00:41:25,120 --> 00:41:27,080
Speaker 1: kind of getting into just kind of being there in person,

997
00:41:27,160 --> 00:41:27,759
Speaker 1: getting to hear.

998
00:41:27,640 --> 00:41:29,360
Speaker 2: Their story exactly. I think that's part of what I

999
00:41:29,400 --> 00:41:31,279
Speaker 2: like about real estate too, is, Yeah, even when you

1000
00:41:31,320 --> 00:41:33,160
Speaker 2: have to get contractors in there or something, if you

1001
00:41:33,160 --> 00:41:35,279
Speaker 2: get people you trust, Like I love meeting my dude

1002
00:41:35,400 --> 00:41:36,920
Speaker 2: Edwin at the house and you talking like he's a

1003
00:41:36,920 --> 00:41:39,399
Speaker 2: great guy. And so every time they could do yeah,

1004
00:41:39,400 --> 00:41:41,080
Speaker 2: it's like I got to put a you know, a

1005
00:41:41,120 --> 00:41:43,239
Speaker 2: new math tub in a place or something like that,

1006
00:41:43,320 --> 00:41:45,560
Speaker 2: Like I get to get to say hi to him.

1007
00:41:45,600 --> 00:41:47,200
Speaker 1: And so your most recent work that you did at

1008
00:41:47,200 --> 00:41:49,879
Speaker 1: a rental some some fresh yeah new bathtub, new.

1009
00:41:49,800 --> 00:41:51,960
Speaker 2: New tile exactly. And so those are the kind of

1010
00:41:52,000 --> 00:41:54,800
Speaker 2: things where I think that relational aspect that bouncing around

1011
00:41:54,840 --> 00:41:57,000
Speaker 2: town and getting out of the house like that stuff.

1012
00:41:57,080 --> 00:41:59,399
Speaker 2: Kind of it's a lot of fun in my book.

1013
00:41:59,480 --> 00:42:01,120
Speaker 1: Yeah, yeah, so kind of. On that note, we talk

1014
00:42:01,160 --> 00:42:03,560
Speaker 1: a decent bit here on the show about financial independence.

1015
00:42:03,560 --> 00:42:04,960
Speaker 1: We just you know, we just talked about it here

1016
00:42:05,000 --> 00:42:07,960
Speaker 1: a little bit. We talk about financial freedom. We've shared

1017
00:42:08,080 --> 00:42:10,880
Speaker 1: how you and I how we've essentially reached coast fire.

1018
00:42:11,320 --> 00:42:13,799
Speaker 1: And so what advice would you give to anyone who

1019
00:42:13,960 --> 00:42:17,239
Speaker 1: is really pursuing financial independence they're really getting after it.

1020
00:42:17,400 --> 00:42:19,960
Speaker 1: Do you have any specific thoughts to share with folks?

1021
00:42:19,680 --> 00:42:21,319
Speaker 2: I guess when you when you phrase it that way,

1022
00:42:21,360 --> 00:42:24,680
Speaker 2: probably my initial reaction is to make sure you're doing

1023
00:42:24,719 --> 00:42:26,800
Speaker 2: it in a sustainable way. Was that a biased question

1024
00:42:26,840 --> 00:42:28,520
Speaker 2: the way I asked? No, No, No, I just think I

1025
00:42:28,520 --> 00:42:29,319
Speaker 2: think like for the.

1026
00:42:29,239 --> 00:42:31,680
Speaker 1: Idiots out there who all they care about is money

1027
00:42:31,800 --> 00:42:33,480
Speaker 1: and they're just trying to hit their number.

1028
00:42:33,360 --> 00:42:35,279
Speaker 2: If somebody is already overdoing it, then you probably need

1029
00:42:35,280 --> 00:42:37,680
Speaker 2: to cool your jets. Yeah, a little bit. And overdoing

1030
00:42:37,760 --> 00:42:40,839
Speaker 2: it is a specific thing, right, but there are there

1031
00:42:40,840 --> 00:42:43,080
Speaker 2: are a lot of ways to accomplish the goals that

1032
00:42:43,120 --> 00:42:46,920
Speaker 2: you want without burning out in the midst of accomplishing

1033
00:42:46,960 --> 00:42:50,400
Speaker 2: those goals. And I think there is there's something to

1034
00:42:50,440 --> 00:42:53,000
Speaker 2: be said for slowing down and doing it in a

1035
00:42:53,040 --> 00:42:55,920
Speaker 2: methodical way, because if your savings rate is seventy percent,

1036
00:42:56,000 --> 00:42:58,759
Speaker 2: well what if it was fifty five percent, and you've

1037
00:42:58,760 --> 00:43:00,799
Speaker 2: got to enjoy your life life a little bit more,

1038
00:43:00,840 --> 00:43:03,359
Speaker 2: and maybe you weren't working your fingers to the bone,

1039
00:43:03,360 --> 00:43:05,680
Speaker 2: and maybe you got to spend more time with people

1040
00:43:05,719 --> 00:43:07,279
Speaker 2: that you loved and you got to take an extra

1041
00:43:07,400 --> 00:43:08,680
Speaker 2: week off. I mean, those are the kind of things

1042
00:43:08,680 --> 00:43:12,240
Speaker 2: where it's all go back to what I said about sneakers.

1043
00:43:12,360 --> 00:43:15,040
Speaker 2: It's all a trade off, and you can buy those sneakers. Now.

1044
00:43:15,160 --> 00:43:17,359
Speaker 2: I'm not suggesting that you should. I'm just saying like,

1045
00:43:17,600 --> 00:43:21,960
Speaker 2: there are measured trade offs that are worth making in

1046
00:43:22,040 --> 00:43:24,160
Speaker 2: even in the here and now. And that's exactly what

1047
00:43:24,200 --> 00:43:26,239
Speaker 2: we try to bring to the show every week, right

1048
00:43:26,320 --> 00:43:30,040
Speaker 2: is saying like we drink a fancy beer because it

1049
00:43:30,040 --> 00:43:31,920
Speaker 2: adds a lot to our life and it costs more

1050
00:43:31,960 --> 00:43:34,920
Speaker 2: money than most people are willing to pay. But we

1051
00:43:35,000 --> 00:43:37,080
Speaker 2: have just a few areas of our lives where we

1052
00:43:37,160 --> 00:43:39,040
Speaker 2: do that. And I think there are some people who,

1053
00:43:39,440 --> 00:43:42,719
Speaker 2: in the dogged pursuit of financial independence, have are not

1054
00:43:42,800 --> 00:43:45,719
Speaker 2: letting themselves enjoy almost anything. And I think that's a

1055
00:43:45,760 --> 00:43:47,960
Speaker 2: tough position to be in. I would say, don't do

1056
00:43:48,000 --> 00:43:50,480
Speaker 2: stuff that you hate longer than you need to just

1057
00:43:50,480 --> 00:43:53,200
Speaker 2: for money. But at the same time, we are also

1058
00:43:53,800 --> 00:43:57,640
Speaker 2: pro financial independence, we're pro that pursuit, and so it

1059
00:43:58,280 --> 00:43:59,759
Speaker 2: is this balance that you have to strike, and I

1060
00:43:59,800 --> 00:44:03,000
Speaker 2: think to strike that balance, yeah, the loudest voices are

1061
00:44:03,040 --> 00:44:05,719
Speaker 2: the extremes, and they're the ones telling you, like, go

1062
00:44:05,800 --> 00:44:07,840
Speaker 2: all the way, go all out, and you can do

1063
00:44:07,920 --> 00:44:09,600
Speaker 2: this in five years or less. And then there are

1064
00:44:09,640 --> 00:44:11,359
Speaker 2: the other people who are like, go to the slow,

1065
00:44:11,400 --> 00:44:13,319
Speaker 2: methodical route and if you just invest, you know, seven

1066
00:44:13,320 --> 00:44:15,120
Speaker 2: eight percent a year, you'll be able to retire when

1067
00:44:15,160 --> 00:44:17,360
Speaker 2: you're forty five. And we're saying, and it's not a

1068
00:44:17,400 --> 00:44:21,000
Speaker 2: super sexy message, but that there is an awesome place

1069
00:44:21,440 --> 00:44:24,439
Speaker 2: in the in between where you can live the way

1070
00:44:24,520 --> 00:44:26,319
Speaker 2: you want to in a lot of ways now while

1071
00:44:26,320 --> 00:44:28,719
Speaker 2: paying a lot of attention to your money and how

1072
00:44:28,760 --> 00:44:31,160
Speaker 2: you invest, so that you can set yourself up for

1073
00:44:31,239 --> 00:44:33,920
Speaker 2: success in a few years from now, and then for

1074
00:44:34,040 --> 00:44:36,759
Speaker 2: a lot of success you know, a decade or two

1075
00:44:36,760 --> 00:44:37,200
Speaker 2: from now.

1076
00:44:37,480 --> 00:44:40,000
Speaker 1: Yeah, absolutely, man, you know. So, I think we've got

1077
00:44:40,000 --> 00:44:41,840
Speaker 1: a lot of listeners who are all across the spectrum

1078
00:44:41,880 --> 00:44:44,600
Speaker 1: when it comes to where they are in their pursuit

1079
00:44:44,880 --> 00:44:47,600
Speaker 1: of financial independence and their pursuit of being really smart

1080
00:44:47,640 --> 00:44:49,840
Speaker 1: with their money. But I think there's a sort of

1081
00:44:49,880 --> 00:44:53,799
Speaker 1: a real danger or a real temptation to look at

1082
00:44:53,840 --> 00:44:56,080
Speaker 1: what the world is feeding you and telling you that

1083
00:44:56,120 --> 00:44:58,600
Speaker 1: you should do, which is oftentimes the pursuit of money,

1084
00:44:58,640 --> 00:45:03,640
Speaker 1: success power, the different things achievement right generally speaking, whether

1085
00:45:03,680 --> 00:45:06,359
Speaker 1: it be the boss at work who is a great

1086
00:45:06,400 --> 00:45:08,640
Speaker 1: boss and who is encouraging you, like we talked about earlier,

1087
00:45:08,640 --> 00:45:10,439
Speaker 1: it's like, oh, you're such a great writer. And while

1088
00:45:10,440 --> 00:45:12,200
Speaker 1: that may have initially just been kind of a pad

1089
00:45:12,280 --> 00:45:15,239
Speaker 1: on the back or just them truly calling out a

1090
00:45:15,280 --> 00:45:17,879
Speaker 1: talent that they see that can easily find its way

1091
00:45:17,920 --> 00:45:21,200
Speaker 1: being channeled into working more and neglecting some of the

1092
00:45:21,239 --> 00:45:24,080
Speaker 1: other important things in life. Like I feel like money,

1093
00:45:24,120 --> 00:45:26,640
Speaker 1: just generally speaking, is it's almost like this, like it's

1094
00:45:26,680 --> 00:45:29,319
Speaker 1: the sirens, you know, like Odysseus, he's tying himself to

1095
00:45:29,320 --> 00:45:31,840
Speaker 1: the mast and the sirens the call of that money.

1096
00:45:32,120 --> 00:45:34,200
Speaker 1: It will always be there. And I believe that there

1097
00:45:34,200 --> 00:45:36,880
Speaker 1: are fewer folks saying be careful of that, as opposed

1098
00:45:36,880 --> 00:45:39,879
Speaker 1: to the voices the books, the podcasts that are out there,

1099
00:45:40,239 --> 00:45:43,680
Speaker 1: you're telling yes, who are telling folks you need to

1100
00:45:43,719 --> 00:45:44,719
Speaker 1: do just.

1101
00:45:44,719 --> 00:45:45,640
Speaker 2: Go hard after it.

1102
00:45:45,680 --> 00:45:48,040
Speaker 1: And then once you achieve that, you're you're gonna have options,

1103
00:45:48,080 --> 00:45:50,279
Speaker 1: you're gonna have success, you're gonna have happiness. But we

1104
00:45:50,320 --> 00:45:52,520
Speaker 1: believe here that you've got to strike that balance. And

1105
00:45:52,800 --> 00:45:54,640
Speaker 1: I think it's going to be easier for you to

1106
00:45:54,680 --> 00:45:58,040
Speaker 1: maintain that balance as you climb the ladder of success,

1107
00:45:58,400 --> 00:46:01,000
Speaker 1: rather than having it be completely lopsided. You climb the

1108
00:46:01,080 --> 00:46:03,520
Speaker 1: ladder and then expect to be able to kind of

1109
00:46:03,840 --> 00:46:06,040
Speaker 1: find that balancing act while you're way up there in

1110
00:46:06,080 --> 00:46:08,120
Speaker 1: the ladder. I think it's a lot easier to find

1111
00:46:08,120 --> 00:46:10,000
Speaker 1: the balance when you're closer to the ground. But I

1112
00:46:10,080 --> 00:46:12,439
Speaker 1: like what you said. I mean it truly is. It's

1113
00:46:12,480 --> 00:46:15,560
Speaker 1: difficult because it depends on the individual. It depends where

1114
00:46:15,600 --> 00:46:17,400
Speaker 1: they are in their life exactly, depends what they have

1115
00:46:17,440 --> 00:46:19,399
Speaker 1: going on, their interests, all of that.

1116
00:46:20,440 --> 00:46:21,799
Speaker 2: When you and I were twenty four to twenty five,

1117
00:46:21,840 --> 00:46:24,040
Speaker 2: we were willing to make more sacrifices with our time

1118
00:46:24,440 --> 00:46:27,080
Speaker 2: in order to make more money so that we could

1119
00:46:27,120 --> 00:46:29,919
Speaker 2: invest it to make progress for our futures. And now

1120
00:46:30,320 --> 00:46:33,279
Speaker 2: you know, a lot of the hard work has been

1121
00:46:33,280 --> 00:46:34,960
Speaker 2: done and it's not that there isn't a lot of

1122
00:46:35,000 --> 00:46:37,440
Speaker 2: hard work, fun work left to do, but it is

1123
00:46:37,480 --> 00:46:39,239
Speaker 2: one of those things where, yeah, so much of it

1124
00:46:39,280 --> 00:46:41,640
Speaker 2: does depend on your life stage. Do you have kids,

1125
00:46:41,680 --> 00:46:43,480
Speaker 2: like we talked to you know, I don't know. Just

1126
00:46:43,560 --> 00:46:45,440
Speaker 2: what you just said made me think of multiple episodes

1127
00:46:45,480 --> 00:46:47,640
Speaker 2: we've done, multiple interviews that we've done one with Wes

1128
00:46:47,719 --> 00:46:50,120
Speaker 2: Moss about happiness and how you can't just turn the

1129
00:46:50,160 --> 00:46:53,239
Speaker 2: dial on and off and basically like, yeah, the things

1130
00:46:53,280 --> 00:46:56,520
Speaker 2: that you're pursuing in the here and now are the hobbies.

1131
00:46:56,640 --> 00:46:59,200
Speaker 2: The relationships are crucial and you can't cut those off

1132
00:46:59,239 --> 00:47:01,239
Speaker 2: and then expect when you hit retirement where all my

1133
00:47:01,280 --> 00:47:04,040
Speaker 2: friends at. And then I'm thinking about carl our interview

1134
00:47:04,080 --> 00:47:06,439
Speaker 2: with mister fifteen hundred and how he's talking about how

1135
00:47:06,600 --> 00:47:08,480
Speaker 2: you shouldn't do live in flips when you have kids,

1136
00:47:08,640 --> 00:47:10,120
Speaker 2: and maybe some people are willing to do that, but

1137
00:47:10,160 --> 00:47:11,680
Speaker 2: like it is, there's like a time and a place

1138
00:47:11,760 --> 00:47:15,319
Speaker 2: for everything, and it's not one size fits all, that's.

1139
00:47:15,239 --> 00:47:17,920
Speaker 1: For sure, exactly. Well, speaking of core pursuits, as west

1140
00:47:17,920 --> 00:47:21,440
Speaker 1: Moss likes to call them, different hobbies, let's get.

1141
00:47:21,280 --> 00:47:21,919
Speaker 2: To our beer.

1142
00:47:21,960 --> 00:47:26,160
Speaker 1: This episode, which is called Woodland Pursuit and I completely

1143
00:47:27,160 --> 00:47:28,879
Speaker 1: picked up this beer for us here on the show,

1144
00:47:29,000 --> 00:47:32,879
Speaker 1: specifically for you, because it's got a disc golf goal.

1145
00:47:33,040 --> 00:47:35,360
Speaker 1: Is that what you call them goals? Like the metal basket,

1146
00:47:35,560 --> 00:47:38,880
Speaker 1: the hole, I guess, the holes. Yeah, it's golf, but

1147
00:47:38,920 --> 00:47:41,400
Speaker 1: it's that it's got a little little red putter sitting

1148
00:47:41,440 --> 00:47:43,759
Speaker 1: in there, and it's it's in the woods. It's called

1149
00:47:43,840 --> 00:47:47,520
Speaker 1: Woodland Pursuit, which also Woodland happens to be the name

1150
00:47:47,560 --> 00:47:50,359
Speaker 1: of the street that you live on. True our streets

1151
00:47:50,360 --> 00:47:54,520
Speaker 1: intersect Woodland. You've got Delaware. This is a juicy New

1152
00:47:54,560 --> 00:47:57,600
Speaker 1: England ipa by one of our favorite breweries, Humble Forger.

1153
00:47:57,640 --> 00:47:58,880
Speaker 2: What your thoughts.

1154
00:47:58,640 --> 00:47:58,960
Speaker 1: On this one?

1155
00:47:59,000 --> 00:48:00,279
Speaker 2: And when I first saw these beer, I was like,

1156
00:48:00,360 --> 00:48:02,080
Speaker 2: oh my gosh, this is like my spirit animal beer

1157
00:48:02,160 --> 00:48:04,799
Speaker 2: really is because yeah, the disc golf, the Woodland, which

1158
00:48:04,840 --> 00:48:07,239
Speaker 2: is the name of my street, perfect a street that

1159
00:48:07,280 --> 00:48:11,120
Speaker 2: I love, And yeah, this was this was awesome beer, Matt.

1160
00:48:11,200 --> 00:48:14,200
Speaker 2: This is delicious. And you know it's funny because for

1161
00:48:14,200 --> 00:48:16,800
Speaker 2: an ipa, it had a lot of like fruit flavor,

1162
00:48:17,400 --> 00:48:22,560
Speaker 2: but not not generic fruit, like specifically like peach and apricot. Right, yes, yeah, absolutely,

1163
00:48:22,640 --> 00:48:25,760
Speaker 2: And I would say I think it's these. This brewery

1164
00:48:25,840 --> 00:48:27,840
Speaker 2: does a lot of great fruited beers, but there is

1165
00:48:27,880 --> 00:48:30,280
Speaker 2: no fruit in this beer. It's all the hops, all hops.

1166
00:48:30,320 --> 00:48:32,120
Speaker 1: I'm like, I literally am going to do a deep

1167
00:48:32,160 --> 00:48:34,880
Speaker 1: dive on this after we hit stop on this episode,

1168
00:48:34,920 --> 00:48:37,359
Speaker 1: because I almost can't believe that there's not actually fruit

1169
00:48:37,400 --> 00:48:39,680
Speaker 1: in here. But on the label it only has hops

1170
00:48:39,719 --> 00:48:41,440
Speaker 1: listed out. It's it's a New Zealand.

1171
00:48:41,520 --> 00:48:43,680
Speaker 2: Yeah, yeah, there are New Zealand hops. I guess I

1172
00:48:43,719 --> 00:48:46,280
Speaker 2: wonder if the New Zealand hops have like special flavor

1173
00:48:46,880 --> 00:48:48,279
Speaker 2: varieties that we can't get here.

1174
00:48:48,280 --> 00:48:50,080
Speaker 1: The to go to New Zealand and just like eat

1175
00:48:50,120 --> 00:48:51,520
Speaker 1: the hops right off the vine and it's like you're

1176
00:48:51,520 --> 00:48:53,719
Speaker 1: eating an apricat or I.

1177
00:48:53,760 --> 00:48:55,839
Speaker 2: Want to, although I don't think they'll they'll let us in,

1178
00:48:55,920 --> 00:49:00,279
Speaker 2: but yeah, but yeah four, this beer is so stick good,

1179
00:49:00,360 --> 00:49:03,239
Speaker 2: so delicious, so satisfying, and I feel like, yeah, this

1180
00:49:03,320 --> 00:49:05,200
Speaker 2: is now on my top favorites list.

1181
00:49:05,400 --> 00:49:08,600
Speaker 1: It's the perfect balance between sweet and the bitterness that

1182
00:49:08,640 --> 00:49:10,560
Speaker 1: you get from the hops. There's so much juice, but

1183
00:49:10,600 --> 00:49:12,520
Speaker 1: it doesn't get too sweet, Like as soon as you

1184
00:49:12,560 --> 00:49:14,279
Speaker 1: taste it, you think, oh, this is going to be

1185
00:49:14,320 --> 00:49:16,840
Speaker 1: too sweet, but then it like it kind of like

1186
00:49:17,120 --> 00:49:19,640
Speaker 1: drops off and it switches to kind of like that

1187
00:49:19,960 --> 00:49:23,920
Speaker 1: hoppy bitterness, and so they've somehow struck the perfect balance.

1188
00:49:24,360 --> 00:49:26,839
Speaker 1: This is one of the best, certainly the best beer

1189
00:49:26,880 --> 00:49:28,719
Speaker 1: we've had all year. We'll shoot, yeah, we just had

1190
00:49:28,719 --> 00:49:31,719
Speaker 1: trillium actually, so maybe we've had some awesome beers.

1191
00:49:31,760 --> 00:49:32,640
Speaker 2: It's right up there with them.

1192
00:49:34,320 --> 00:49:36,120
Speaker 1: So yeah, if you happen to see this one in

1193
00:49:36,160 --> 00:49:39,919
Speaker 1: your local bottle shop Woodland Pursuit by Humble Forger, we

1194
00:49:40,000 --> 00:49:42,719
Speaker 1: would highly recommend that you picked this one up. It's fantastic.

1195
00:49:42,880 --> 00:49:45,360
Speaker 1: But Joel, that's gonna be ye buddy. For this episode.

1196
00:49:45,480 --> 00:49:47,640
Speaker 1: Listeners can find our show notes up on our website

1197
00:49:47,680 --> 00:49:49,160
Speaker 1: at howtomoney dot com.

1198
00:49:49,200 --> 00:49:52,399
Speaker 2: That's right, and next Wednesday we'll resume kind of more

1199
00:49:52,440 --> 00:49:55,520
Speaker 2: of our normal format, doing a deep dive on a

1200
00:49:55,560 --> 00:49:57,120
Speaker 2: specific personal finance topic.

1201
00:49:57,160 --> 00:49:59,080
Speaker 1: We can only interview each other so many times.

1202
00:49:59,320 --> 00:50:00,680
Speaker 2: I don't know we could do to repeat. We did

1203
00:50:00,680 --> 00:50:03,319
Speaker 2: it twice Groundhog Day. Stome will be it all right, Well,

1204
00:50:03,560 --> 00:50:05,920
Speaker 2: that's gonna do it, Matt. Until next time. Best Friends Out,

1205
00:50:06,000 --> 00:50:07,040
Speaker 2: Best Friends Out,