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Speaker 1: Hi. This is Laura Vanderkam. I'm a mother of four,

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Speaker 1: an author, journalist, and speaker. And this is Sarah hart Hunger.

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Speaker 1: I'm a mother of three, practicing physician and blogger. On

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Speaker 1: the side, we are two working parents who love our

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Speaker 1: careers and our families. Welcome to best of both worlds.

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Speaker 1: Here we talk about how real women manage work, family,

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Speaker 1: and time for fun, from figuring out childcare to mapping

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Speaker 1: out long term career goals. We want you to get

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Speaker 1: the most out of life. Welcome to best of both worlds.

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Speaker 1: This is Laura. This is episode seventy two. Today we're

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Speaker 1: going to be talking about our money stories, always something

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Speaker 1: that people are thinking about around the holiday finances and

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Speaker 1: end of year, sort of reckoning of how the year

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Speaker 1: has gone, thinking about the next year as well. So

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Speaker 1: this is you know, post Hanikah, right before Christmas, Right, Sarah,

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Speaker 1: what are the dates this year? Hanikah begins on December second. Yeah, okay,

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Speaker 1: we began. I guess as we're talking about it, the

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Speaker 1: past tense herenic is actually over by the time, so

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Speaker 1: I hope it went well. As we're recording this, we're

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Speaker 1: both in shopping mode, which maybe one reason we're thinking

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Speaker 1: about my So what did you guys decide to do?

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Speaker 1: What's on the we Honestly, I didn't have a lot

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Speaker 1: of I keep using the word bandwidth with josh Oh

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Speaker 1: like I still have the bandwidth for that. I didn't

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Speaker 1: have a lot of bandwidth for for Hanukah this year,

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Speaker 1: and I kind of put him in charge to some extent.

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Speaker 1: We did a very minimal gift summit last night where

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Speaker 1: we just sort of decided which big things we want

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Speaker 1: to order, and he had actually already purchased bikes for

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Speaker 1: Annabel and Cameron, which is definitely the, you know, the

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Speaker 1: big ticket item of the year. Annabel had asked for

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Speaker 1: roller skates, so we just got that for both kids

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Speaker 1: as well. Now, I know it seems a little crazy

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Speaker 1: in most parts of the country, it's like why are

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Speaker 1: you buying this stuff now? But actually for us, this

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Speaker 1: is our outdoor time. Outdoor season is like the best

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Speaker 1: from now until Mayor's so it actually makes sense to

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Speaker 1: buy those kinds of things. And then I think we're

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Speaker 1: going to do winter coats one day because we're going

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Speaker 1: up north and we had to buy them anyway. And

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Speaker 1: if we get ones that they'll like, that counts and

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Speaker 1: then we're going to fill in a lot of family

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Speaker 1: gifts and friend gifts and yeah, so I'd say we're

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Speaker 1: keeping it fairly minimal, in part out of laziness, in

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Speaker 1: part because we don't have a lot of space, and

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Speaker 1: in part because we as we're moving, we realize our

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Speaker 1: kids have so much stuff and they're just always getting more.

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Speaker 1: And birthday seasons come quickly after Hankah for us in

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Speaker 1: February and then April. So just not trying to go

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Speaker 1: too crazy. What about you guys, Well, I say, Genevieve

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Speaker 1: like overlaps with Hanaka. Oh yeah, well and this year

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Speaker 1: Genevieve right in the middle of it. J Deeviev is

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Speaker 1: not getting like dedicated Hanukah gifts because she doesn't know.

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Speaker 1: Well that's true, she does not know. And you get

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Speaker 1: the big what day do you get the big gift? On? No?

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Speaker 1: Sometimes the first I think we'll probably I may use

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Speaker 1: is this bad If I'm like, I'll tell the kids like,

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Speaker 1: if you're really good, you know, I may use it

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Speaker 1: as a bribery tactic for them to get their biggest gift,

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Speaker 1: which I think they suspect what it is. Or I

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Speaker 1: may try to time it with a weekend because that

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Speaker 1: will give them the most time to use it. Since

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Speaker 1: there's true I think the bike is the kind of

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Speaker 1: thing you want to open like on the Friday night, right,

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Speaker 1: and then yes, yeah, that would make sense they can

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Speaker 1: play it all weekend. Yeah, So did you like take

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Speaker 1: advantage of Black Friday sales? How did you? Or did

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Speaker 1: you know you plan farther ahead than that? Don't you? Not? Really?

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Speaker 1: I have gotten I did get a fair number of

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Speaker 1: things relatively early, just you know, sitting there over Thanksgiving

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Speaker 1: weekend and making a list in my planner, which is

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Speaker 1: just the notebook from Target, because that's how I am,

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Speaker 1: but I have everyone's names on it, and then try

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Speaker 1: to figure out what what am I getting? What have

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Speaker 1: I already gotten? Just try to keep it relatively similar

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Speaker 1: in terms of people's happiness levels with what they're getting,

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Speaker 1: you know, sort of size under the tree for the

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Speaker 1: children who are into physical size of gifts. You know,

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Speaker 1: the older too definitely understand more that certain things are

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Speaker 1: expensive versus other things, and so they're okay with smaller

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Speaker 1: gifts not being quite as big under the tree or

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Speaker 1: from Santa. But yeah, it's it's a kind of all

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Speaker 1: this triaging of stuff. I would prefer not to be

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Speaker 1: at the end like buying stuff randomly to make it

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Speaker 1: even like I want to get the stuff that they

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Speaker 1: like and not get a whole lot of stuff that

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Speaker 1: they don't care as much about. I would like to

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Speaker 1: have it be a more mindful, thoughtful experience this year

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Speaker 1: than it has been for some years in the past.

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Speaker 1: But we shall see. I mean it's already tough, like

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Speaker 1: the I took Alex shopping with me at Barnes and Noble,

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Speaker 1: and he wanted everything, and he was pulling everything out

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Speaker 1: and I wound up having to get him something small

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Speaker 1: because I was shopping for his siblings that he you know,

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Speaker 1: opened anyway. And then he's trying to find where their

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Speaker 1: presence are because he wants to know where they are

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Speaker 1: hidden in the house. Oh, it's just gonna be hard.

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Speaker 1: We can't put anything under the tree. We won't be

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Speaker 1: able to put anything under the tree until Christmas because

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Speaker 1: it would be it would be ripped open. Yeah, he

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Speaker 1: does it. He lacks He totally lacks all self control.

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Speaker 1: And not that I mean he's three, Like why would

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Speaker 1: he Yeah, I think that's normal. So, yeah, nothing can

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Speaker 1: go out until until Christmas anyway, so it all has

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Speaker 1: to be concealed around the house. And yeah, but we're

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Speaker 1: gonna get there's a lot of cool stuff. We're getting

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Speaker 1: some blocks. I've always like playmobile stuff. You know, there's

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Speaker 1: some lego Harry Potter that's really really cool. Hogwarts expressed

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Speaker 1: it's pretty fun. You know, we're just uh, the the

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Speaker 1: eleven year old asked. Jasper asked for a trip again

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Speaker 1: this year, which is, oh, that's so cool. Yeah, he

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Speaker 1: likes experience stuff. I mean he sort of realized there's

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Speaker 1: nothing big he wants. He's not into video games, so uh,

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Speaker 1: you know, Sam on stuff like the Xbox or whatever.

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Speaker 1: But Jasper wants experience of the issue. He wants to

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Speaker 1: go to California, which is gonna be hard to pull off.

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Speaker 1: I mean it's a weekend like well that a weekend

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Speaker 1: three three day. We got to find a day that

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Speaker 1: is off Mourning cou weekend. I don't even know if

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Speaker 1: we have it there. It is so oh man, even

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Speaker 1: if we just use miles and stuff. So it's not

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Speaker 1: really the expense, it's more the parental time. So it's

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Speaker 1: the time, it's the time, well maybe the tail end

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Speaker 1: of spring break or something. Yeah, we'll see. That's true.

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Speaker 1: Then you want that time with the other kids with

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Speaker 1: the other kids. So yeah, we'll see how that one

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Speaker 1: pulls up. Because last year he went to the Georgia Aquarium,

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Speaker 1: is what he requested. But that was pretty easy in

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Speaker 1: and out because you just fly, you know, two hours

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Speaker 1: down Saturday morning, came back. He and my husband went

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Speaker 1: two hours you know, fly down Saturday morning, come back

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Speaker 1: Sunday evening. They used miles, stayed in like a place

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Speaker 1: where Starwood points, so it's like the trip itself was

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Speaker 1: practically free. And then it was over the weekend, so

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Speaker 1: it was just me, you know, covering for the weekend.

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Speaker 1: But four days is going to be a bit more

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Speaker 1: intense for I think next year he's going to ask

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Speaker 1: for like Italy. Yeah, i'd be like, wait, I'm not

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Speaker 1: sure if yes, maybe these are things I need to

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Speaker 1: start asking for for Christmas or something. But yeah, we'll see,

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Speaker 1: we'll see. Well that's a good that's a good uh

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Speaker 1: segue into our topic of the day, which is money.

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Speaker 1: Which is money, And we wanted to talk about why

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Speaker 1: we wanted to do this episode because I know we

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Speaker 1: are going to get certain amounts of feedback about Laura

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Speaker 1: wanted to do this episode, and I'd be grudgingly, now

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Speaker 1: you're going to do this whole thing. Thank you, Sarah

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Speaker 1: hanging me out on the line to dry here. Now

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Speaker 1: what it was so when in our previous episode where

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Speaker 1: we were talking about, you know, career setbacks and things

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Speaker 1: like that, and I'd mentioned that very few people had

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Speaker 1: bought my money book, All the Money in the World,

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Speaker 1: and I swear over the next few weeks I must

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Speaker 1: have heard from everybody who purchased a copy of All

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Speaker 1: the Money in the World. It was just like, well,

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Speaker 1: I liked it. I wanted to I'd love to hear

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Speaker 1: you talk more about that. I like it too, Okay,

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Speaker 1: there before I knew you it's where you do it

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Speaker 1: so but more the approach of thinking about, you know,

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Speaker 1: our money stories and what we are telling ourselves about money,

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Speaker 1: and where these stories come from, and how they shape

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Speaker 1: our lives, and how we can use money as a

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Speaker 1: tool to build the lives we want. And I of

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Speaker 1: course understand that the sheer idea of using money as

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Speaker 1: a tool implies that there's you know, some of it

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Speaker 1: sitting around right that you're in a space where you

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Speaker 1: have some disposable income and that you know, it doesn't

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Speaker 1: apply to everyone, and we know we have listeners who

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Speaker 1: are in all sorts of situations. But I think we

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Speaker 1: all have stories we have grown up with that we

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Speaker 1: have developed over the years, Things we tell ourselves, things

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Speaker 1: we believe about money, and it's interesting to sort of

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Speaker 1: explore those and see how they affect our lives and

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Speaker 1: our happiness and all that. So we wanted to do that. Well.

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Speaker 1: I thought we could have a good discussion of talking about,

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Speaker 1: you know, our money stories and how we grew up

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Speaker 1: thinking of it and how we've sort of trained ourselves

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Speaker 1: to think about it over time. No, I agree and

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Speaker 1: Laura's defense, I do think it is an interesting topic

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Speaker 1: to explore, one that I'd like to listen to different

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Speaker 1: perspectives about. And I mean just in the way that

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Speaker 1: this episode isn't going to apply to everyone. When I

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Speaker 1: listen to a podcast that is aimed at someone who

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Speaker 1: stays home or has a flexible schedule that doesn't necessarily

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Speaker 1: apply to me, sometimes it means I turn it off.

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Speaker 1: Sometimes it means that I sort of listen and glean

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Speaker 1: what I can. But I guess my disclimmers is like

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Speaker 1: we can we may have a personal finance expert on

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Speaker 1: the blog someday that would be actually really fun. And

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Speaker 1: if you have a specific person to suggest, we have

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Speaker 1: a few from the survey, but if you have another one,

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Speaker 1: that's great. But we also know that you like it

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Speaker 1: when we share our stories, and the only stories we

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Speaker 1: have are our own experiences. So as much as that

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Speaker 1: we know we're going to get some people who who

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Speaker 1: feel that this is not applicable to all, I totally

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Speaker 1: agree it's not, but it probably is to some. And

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Speaker 1: we do have a good number of families with two

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Speaker 1: fairly high earners that we'll get to. And there are

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Speaker 1: things there's that there are stories we tell ourselves about

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Speaker 1: money that I think deserve a little bit more delving into.

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Speaker 1: So I actually think it is a good idea, despite

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Speaker 1: the fact that I thought it first, like why are

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Speaker 1: we even going here? Although there's various other angles of

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Speaker 1: money beyond sort of like this, the budgeting, you know,

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Speaker 1: frugal like personal finance stuff like I think would be

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Speaker 1: great to talk about negotiating salaries and you know, pushing

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Speaker 1: for raises and things like that, which I know that

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Speaker 1: a lot of our listeners are women and maybe less

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Speaker 1: likely to do. There's some interesting research about that and

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Speaker 1: why that is that women are less aggressive about going

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Speaker 1: for raises, for instance, when you know, taking on new

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Speaker 1: jobs and things like that. But so, Sarah, let's let's

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Speaker 1: talk about what we learned about money growing up. We

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Speaker 1: found out that both of us are from pretty frugal homes. Right, yes, here,

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Speaker 1: why don't you go first order? We wrote it in

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Speaker 1: there's we're sort of incrementally that way. There's there's that

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Speaker 1: people have heard the phrase Dutch treat, which means that

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Speaker 1: you both pay your own way. Right. There's sort of

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Speaker 1: a joke there, and the people know my last name

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Speaker 1: Vanderkam is like that, you kind of grow up with

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Speaker 1: this sort of stuff. And my parents didn't have a

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Speaker 1: whole lot of money when we were growing up, certainly,

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Speaker 1: you know, none when my brother was born and my

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Speaker 1: father was still in graduate school. I mean, there was

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Speaker 1: h you know, WI coupons involved in that time period

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Speaker 1: of their lives. By the time I came around, he

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Speaker 1: was gainfully employed, so that was slightly better. But you know,

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Speaker 1: we we certainly never had a whole lot of money

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Speaker 1: growing up. And I have all sorts of memories of

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Speaker 1: my going to the grocery store with my mother, and

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Speaker 1: she had her envelope for the coupons, you know, which

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Speaker 1: is like a recycled envelope that you stick. I later

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Speaker 1: learned that not everybody writes their grocery list on an

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Speaker 1: envelope and sticks the coupons in there. That's our unique

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Speaker 1: way of going to the grocery store in this family.

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Speaker 1: The upside of that sort of frugal background is that

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Speaker 1: I have always always lived within my means. You know.

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Speaker 1: There was my first year out of college, I was

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Speaker 1: working a year long internship that I lived on my own,

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Speaker 1: you know, earnings like that nobody was supporting me so

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Speaker 1: and I earned about like my salary was something like

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Speaker 1: eighteen thousand dollars a year, which I lived on and

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Speaker 1: it was fine, Like it wasn't actually that bad. I

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Speaker 1: you know, carefully grocery shopped, I took public transportation, all

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Speaker 1: that stuff. And you know, being able to do that,

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Speaker 1: which I know is a skill that a lot of

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Speaker 1: my college classmates would never have had, made it easy

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Speaker 1: to then, you know, actually build up savings when I

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Speaker 1: was freelancing on the side during the internship, and then

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Speaker 1: I could you know, finance pretty much my move to

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Speaker 1: New York and have a couple months where I didn't

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Speaker 1: know if I would be earning anything before I realized

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Speaker 1: that I could actually earn serious money writing. So you know,

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Speaker 1: there's there's upsides of that. Of course, the downsides that

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Speaker 1: I find out I'm still you know, cheap for unknown

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Speaker 1: reasons at times. How about you. You see, it's so

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Speaker 1: interesting because I feel like I maybe had some parallels

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Speaker 1: and then like but had none of the same results.

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Speaker 1: I mean, my parents listened to this podcast and they're

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Speaker 1: wonderful people, so obviously I'm not going to be throwing

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Speaker 1: them under the bus, but they are very frugal, in

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Speaker 1: my opinion, sometimes more frugal than is necessary. Like there

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Speaker 1: were no Wick coupons, but there was never a purchase

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Speaker 1: me that wasn't like Hemden had about you know, how

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Speaker 1: can we do this cheaper? All of our family trips,

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Speaker 1: most of them, parents will probably correct me and point

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Speaker 1: out like one that wasn't were like my dad's work

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Speaker 1: trips that we would tag along so we could stay

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Speaker 1: free in the hotel, which meant I got a taste

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Speaker 1: for really nice hotels, but we didn't pay for any

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Speaker 1: of them. And then my dad would have to work,

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Speaker 1: so that was not really a great you know, family

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Speaker 1: togetherness experience. So I don't know, like I probably, if anything,

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Speaker 1: rebelled against this up bringing. I don't know if I

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Speaker 1: would say that I was resentful but was not the

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Speaker 1: most responsible with money as soon as I had any

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Speaker 1: and that includes like credit cards, I sort of, I mean,

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Speaker 1: I never got into too much trouble, thankfully. It was

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Speaker 1: more like, you know, I would just empty my bank

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Speaker 1: account while I was at college, and my parents were

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Speaker 1: generous enough to be completely paying for my college experience

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Speaker 1: and so you know, their savings did pay off. They

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Speaker 1: did that, and they also you know, bought me a

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Speaker 1: car with cash at the end of college. So I

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Speaker 1: sound horribly ungrateful, and I'm not. I'm I they are

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Speaker 1: great parents. They gave me a lot, but their philosophy

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Speaker 1: always graded on me a little bit. And maybe still

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Speaker 1: does they know we get in you know, little TIFs

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Speaker 1: about it, and so I don't feel that way. I'm

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Speaker 1: probably you know, there are people who are under buyers,

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Speaker 1: and Laura, I know you count yourself as one of them,

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Speaker 1: and then there are people who are, if anything, over buyers.

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Speaker 1: I don't think I'm an overbuyer either. I think I

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Speaker 1: really tend to be very intentional with at this point.

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Speaker 1: But when I was younger, I was pretty dumb, including

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Speaker 1: I took a trip to Europe right after graduating from college,

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Speaker 1: and I'm not sure how I thought I was paying

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Speaker 1: for it, like I didn't have any real jobs or

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Speaker 1: any real savings. And then I got home and was like, well,

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Speaker 1: I've got a few thousands of credit card debt. And

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Speaker 1: my parents were like, we're bailing you out for one

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Speaker 1: last time in your entire life, and we will never

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Speaker 1: do it again. And I remember how bad it felt

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Speaker 1: to think that I would actually like like I had

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Speaker 1: no way of paying the debt, like I was about to,

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Speaker 1: you know, start medical school. I was mdphd, which came

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Speaker 1: with like a small stipend, but it was not going

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Speaker 1: to be enough to you know, pay any extra bills.

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Speaker 1: And that was it. I was never in debt again,

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Speaker 1: So that that is good. Yeah, but I have I

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Speaker 1: have a different philosophy, and my husband is also certainly

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Speaker 1: not an underbuyer either, So as we'll talk about, we

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Speaker 1: have other strategies to keep ourselves in check because we're

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Speaker 1: not naturally we don't naturally lean to frugal I don't think. Yeah,

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Speaker 1: I think my husband and I both do. Like we're

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Speaker 1: both very very temperamentally oriented that way, which has been

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Speaker 1: you know, led to certain things. So we don't really

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Speaker 1: budget because we both earn good amounts of money and

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Speaker 1: then our set expenses are a low enough percentage of

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Speaker 1: that by design that then little things sort of daily

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Speaker 1: spending or whatever, it just doesn't matter as much, you know,

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Speaker 1: because it's it's such a lot. And that's one of

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Speaker 1: the things I actually talk about in all the money

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Speaker 1: in the world that you know, if you set your

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Speaker 1: I mean sometimes you can't obviously that you need to

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Speaker 1: live in a safe place with good schools, and that's

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Speaker 1: going to require a certain amount, you know. But if

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Speaker 1: you have a choice, you know, what you choose to

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Speaker 1: spend what proportion of your income on things like housing

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Speaker 1: and cars for instance. If you choose to spend less,

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Speaker 1: then that's money that's there all the time every month

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Speaker 1: that you can you know, spend and yet still have

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Speaker 1: savings as well. And so you know, that's kind of

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Speaker 1: been our philosophy, is that if you set but you

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Speaker 1: know you have your means, and if you set your

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Speaker 1: expenses at a low enough percentage of it then you

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Speaker 1: don't have to worry as much of that. But you guys, budget,

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Speaker 1: you're you're like my time tracker, only when you're with

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Speaker 1: your U need a budget, right, It is true. I

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Speaker 1: mean I could like tell you, like what we spent

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Speaker 1: for parking on you know, February third, twenty fifteen or

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Speaker 1: some which I could tell you how I spent every

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Speaker 1: time time, tell what you were doing. Yeah, So it's

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Speaker 1: crazy and it's funny because like while you're time tracking,

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Speaker 1: you know, is a is a big Well maybe it does. It,

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Speaker 1: Maybe it's such a hat because to me it's such

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Speaker 1: a habit that it doesn't feel like a big thing.

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Speaker 1: But for us, I think part of it is, you know,

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Speaker 1: we went from residence salaries abruptly to attending salaries, which

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Speaker 1: was like, you know, a really really big and sudden increase.

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Speaker 1: And it was kind of like, okay, initially that that

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Speaker 1: seemed great, but then all of a sudden it felt like,

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Speaker 1: oh my god, it was like flowing out as fast

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Speaker 1: as it was coming in. And we've read so much

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Speaker 1: about actually doctors being notoriously poor managers of money, and like,

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Speaker 1: you know, assuming that they're going to work forever and

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Speaker 1: have a higher earning potential forever. And we didn't want

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Speaker 1: to be like that. So we started tracking on wine

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Speaker 1: app just so we could see exactly what was coming in,

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Speaker 1: exactly what was coming out, to give us the freedom

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Speaker 1: to enjoy spending on certain things without stressing about it.

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Speaker 1: So I guess, to some extent, even though I'm not

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Speaker 1: an underbuyer, I might I'm gonna not have joy about

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Speaker 1: a purchase unless I know that I can afford it

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Speaker 1: in a kind of planned manner. So by tracking and

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Speaker 1: having sort of amounts that were allowed to spend on

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Speaker 1: travel or ourselves or our kids or whatever, I think

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Speaker 1: it helps us got to, you know, use our money

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Speaker 1: smarter and more intentionally, and also enjoy spending it more

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Speaker 1: because when I spend my allowance, I don't feel guilty.

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Speaker 1: I don't feel like questioning whether I should really be

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Speaker 1: doing it because I've already earmarked that money. And I

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Speaker 1: think that, unlike you, if we were to just naturally

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Speaker 1: do whatever. Well. Number one, I think Josh and I

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Speaker 1: might fight with each other, Like if he buys another guitar,

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Speaker 1: I might be like, hey, you know, you just bought

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Speaker 1: two guitars but instead it's like, oh, it's his a long.

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Speaker 1: It's like that's okay. He's only allowed to spend what's

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Speaker 1: in there, and I'm allowed to spone what's in mind.

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Speaker 1: So I think it helps us not fight about it.

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Speaker 1: But I also think it helps us keep things just

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Speaker 1: more reasonable. Yeah, I guess we just don't buy stuff,

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Speaker 1: like wonder what was that. I don't know what we

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Speaker 1: buy to be honest. Like that's the funny thing is,

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Speaker 1: like I don't think of us as material I mean,

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Speaker 1: you heard our Honka list, Like, we're not super materialistic.

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Speaker 1: But I think I guess it's just more like the

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Speaker 1: vacations and the experiences and the childcare, it just it

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Speaker 1: just all adds up. And cost of living is fairly

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Speaker 1: expensive done here, although it's about to become a little

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Speaker 1: cheaper for us. Yeah that's true out of Miami Beach.

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Speaker 1: So yeah, well that could be an interesting things. You

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Speaker 1: may change our margins a little bit. You may ponder

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Speaker 1: like what you're you know, what kind of house and

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Speaker 1: what you're looking for, and especially as you're looking at

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Speaker 1: a different neighborhood which isn't quite as pricey as Miami Beach,

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Speaker 1: you know, it'd be interesting to see how you wind

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Speaker 1: up optimizing the different angles of that purchase. Well, I

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Speaker 1: can say right now that like the homes we're looking at,

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Speaker 1: or many of them, are like one and a half

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Speaker 1: times the size for half the price. So it's it's

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Speaker 1: not like a thing. Yeah, it's not a subtle it's

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Speaker 1: not a subtle gradation. No. No, although that's assuming that

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Speaker 1: our house sells. I mean, you're in a place where

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Speaker 1: it's it's tightly and like you want to live in

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Speaker 1: Miami Beach. You you got to be there, so's hope

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Speaker 1: you need a budget. Right, Why did you ask chose

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Speaker 1: that one? Is Well, at the time when we bought it,

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Speaker 1: it was a one time purchase rather than a subscription model,

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Speaker 1: and we're still using that old one. So it was

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Speaker 1: like a one time investment of like fifty bucks or

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Speaker 1: something like that. If I looked on wineup, I could,

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Speaker 1: I could, I could find out exactly because I'm sure

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Speaker 1: I put that into wine up, the purchase of wine up,

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Speaker 1: because that's super meta. Anyway, I just liked the fact

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Speaker 1: that it was easy to use, that it SYNCD up

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Speaker 1: with our phone, so it's easy to put on things

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Speaker 1: on the run if they've now moved to a subscription

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Speaker 1: model that eventually we may have to switch to just

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Speaker 1: because they don't have tech support on the old one.

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Speaker 1: I imagine that at some point it's just going to

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Speaker 1: not work anymore. But it's user friendly. I don't know,

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Speaker 1: it's just it's a good program. And actually I like

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Speaker 1: that it's not automatic. You have to manually tell it

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Speaker 1: every time you're spending, so it's not like it uploads

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Speaker 1: a bunch and you have to like fix it or not.

428
00:21:10,160 --> 00:21:12,520
Speaker 1: I think that's too tempting to kind of have it

429
00:21:12,560 --> 00:21:15,960
Speaker 1: be very inaccurate, like programs like Mint, although maybe they've

430
00:21:16,000 --> 00:21:18,120
Speaker 1: gotten better since we've So it doesn't just go straight

431
00:21:18,119 --> 00:21:20,399
Speaker 1: from your credit card or debit cards. You have to

432
00:21:20,440 --> 00:21:22,880
Speaker 1: actually tell it every time I buy something on Amazon

433
00:21:22,960 --> 00:21:25,159
Speaker 1: or every power bill that comes in, I just take

434
00:21:25,200 --> 00:21:27,320
Speaker 1: two seconds and throw it into wine app. So it's

435
00:21:27,359 --> 00:21:29,480
Speaker 1: all manually entered. And then every month I do an

436
00:21:29,520 --> 00:21:33,840
Speaker 1: audit interesting and to see if you're over or under

437
00:21:33,960 --> 00:21:36,840
Speaker 1: on the different cod well it serves two things. I

438
00:21:36,920 --> 00:21:39,000
Speaker 1: go through and make sure I didn't like miss any purchases,

439
00:21:39,000 --> 00:21:40,720
Speaker 1: because it's certainly possible for out to eat, we just

440
00:21:40,800 --> 00:21:42,080
Speaker 1: forget to put it in. So I like look at

441
00:21:42,280 --> 00:21:44,040
Speaker 1: especially the big things on our credit card bills and

442
00:21:44,040 --> 00:21:45,600
Speaker 1: make sure I put them into wine app. And then

443
00:21:45,640 --> 00:21:47,399
Speaker 1: I also create the next month's budget and sort of

444
00:21:47,440 --> 00:21:49,879
Speaker 1: make sure that we're on track and not you know,

445
00:21:49,960 --> 00:21:52,639
Speaker 1: overspending what's in each bucket. So it kind of keeps

446
00:21:52,720 --> 00:21:56,320
Speaker 1: us doing what we're doing. That's cool, that sounds yeah,

447
00:21:56,359 --> 00:21:58,280
Speaker 1: it's funny. I actually that was one of the things

448
00:21:58,320 --> 00:22:00,680
Speaker 1: I like about my time tracking is that I'm manually

449
00:22:00,800 --> 00:22:02,840
Speaker 1: entering how I spend my time to People often ask me, well,

450
00:22:02,840 --> 00:22:04,880
Speaker 1: why don't you just have an app that will then,

451
00:22:05,080 --> 00:22:07,360
Speaker 1: you know, be automatic, which there are some that are

452
00:22:07,359 --> 00:22:09,919
Speaker 1: developing that technology that you have your phone with you

453
00:22:09,960 --> 00:22:11,760
Speaker 1: all the time. It just like follows you around and

454
00:22:11,800 --> 00:22:13,960
Speaker 1: it knows where you are right you're at your kids' school,

455
00:22:14,400 --> 00:22:17,200
Speaker 1: like so that it puts, you know, two forty five

456
00:22:17,280 --> 00:22:20,960
Speaker 1: to three fifteen at school would be automatically on the timelog,

457
00:22:21,000 --> 00:22:22,840
Speaker 1: and then you just go in afterwards and correct the

458
00:22:22,880 --> 00:22:24,640
Speaker 1: record if it you know, in fact, you were at

459
00:22:24,760 --> 00:22:27,680
Speaker 1: like the library next to the school for that time.

460
00:22:28,520 --> 00:22:32,119
Speaker 1: But you know, it's it. I actually like putting it

461
00:22:32,119 --> 00:22:34,800
Speaker 1: in because of that mindfulness aspect of it that it

462
00:22:35,000 --> 00:22:37,679
Speaker 1: forces you to pay attention and to acknowledge that this

463
00:22:37,800 --> 00:22:39,199
Speaker 1: is what you did with your time. So I can

464
00:22:39,200 --> 00:22:42,040
Speaker 1: see that it would be the same thing with money,

465
00:22:42,480 --> 00:22:45,160
Speaker 1: that that would be one of the upsides of manually

466
00:22:45,800 --> 00:22:48,639
Speaker 1: entering it. So we have a question here about our

467
00:22:49,600 --> 00:22:53,399
Speaker 1: proudest money moments. So I like yours. Yeah, I like

468
00:22:53,440 --> 00:22:55,800
Speaker 1: both of them. So my you know, I'm a self

469
00:22:55,840 --> 00:22:58,440
Speaker 1: employed person. I actually been working for myself since age

470
00:22:58,480 --> 00:23:01,600
Speaker 1: twenty three, which is is kind of nutty to have

471
00:23:02,000 --> 00:23:07,439
Speaker 1: gone that long without a regular paycheck. But you know,

472
00:23:07,520 --> 00:23:09,760
Speaker 1: at the beginning it was it was very much a hustle.

473
00:23:09,800 --> 00:23:11,439
Speaker 1: And there have been plenty of times where it's a

474
00:23:11,520 --> 00:23:14,000
Speaker 1: hustle and you try to make a certain amount and

475
00:23:14,080 --> 00:23:16,520
Speaker 1: you know, somebody offers you work. It's you always want

476
00:23:16,560 --> 00:23:19,280
Speaker 1: to take it, right my husband, and my husband's a consultant,

477
00:23:19,280 --> 00:23:21,080
Speaker 1: so he sort of describes it the same way, like

478
00:23:21,119 --> 00:23:23,640
Speaker 1: you're you're a hunter. You see a mammoth, you want

479
00:23:23,640 --> 00:23:25,560
Speaker 1: to get the mammoth. Like if it's an easy mammoth

480
00:23:25,560 --> 00:23:27,680
Speaker 1: to get, You're like, I'm going to go after that mammoth, right,

481
00:23:27,720 --> 00:23:30,880
Speaker 1: Like you're The idea of not going after the mammoth

482
00:23:31,000 --> 00:23:33,440
Speaker 1: is just like, wow, would I not do that. But

483
00:23:33,440 --> 00:23:35,440
Speaker 1: my proud as many moments, are every time I turn

484
00:23:35,720 --> 00:23:38,280
Speaker 1: down work. And I have learned to do this over

485
00:23:38,280 --> 00:23:41,200
Speaker 1: the years that saying yes to something that you don't

486
00:23:41,200 --> 00:23:45,159
Speaker 1: particularly enjoy doing or find like career advancing, or doesn't

487
00:23:45,200 --> 00:23:48,800
Speaker 1: pay enough to compensate for those two aspects, A, you're

488
00:23:48,840 --> 00:23:52,399
Speaker 1: gonna be like resentful doing it, and but more importantly,

489
00:23:52,480 --> 00:23:55,959
Speaker 1: it takes time and mental energy that you could spend

490
00:23:55,960 --> 00:24:00,359
Speaker 1: going after something better. So saying yes to too much

491
00:24:01,400 --> 00:24:04,280
Speaker 1: little stuff means you don't have the capacity for the

492
00:24:04,280 --> 00:24:07,160
Speaker 1: big stuff. You won't have the ability to go after

493
00:24:07,200 --> 00:24:09,600
Speaker 1: a new opportunity, or if somebody proposes something, you won't

494
00:24:09,600 --> 00:24:11,639
Speaker 1: be able to take it on. I've seen this, like

495
00:24:12,600 --> 00:24:14,920
Speaker 1: you know, very clearly with stuff that you know. If

496
00:24:15,160 --> 00:24:17,000
Speaker 1: I'm giving it a speech and it's a date that

497
00:24:17,040 --> 00:24:19,400
Speaker 1: somebody wants far in the future, but they don't want

498
00:24:19,440 --> 00:24:21,840
Speaker 1: to pay sort of what I'd like to earn. If

499
00:24:21,880 --> 00:24:24,320
Speaker 1: I say yes to a lower rate, it's highly likely

500
00:24:24,400 --> 00:24:27,200
Speaker 1: that I'll get another option that would have paid more

501
00:24:27,880 --> 00:24:29,400
Speaker 1: for that date that I will then have to turn

502
00:24:29,480 --> 00:24:31,639
Speaker 1: down because I said yes to this other thing and

503
00:24:31,680 --> 00:24:33,800
Speaker 1: committed to it. So I've learned the hard way on

504
00:24:33,880 --> 00:24:36,840
Speaker 1: speaking like, don't get on a plane for something that's

505
00:24:36,880 --> 00:24:39,000
Speaker 1: not paying what you want to earn, you know, for

506
00:24:39,040 --> 00:24:41,639
Speaker 1: a date six months in the future, Like say no,

507
00:24:41,920 --> 00:24:44,760
Speaker 1: because something will come up. So every time I turn

508
00:24:44,840 --> 00:24:47,119
Speaker 1: down work, I'm like, that was hard to do, Like

509
00:24:47,200 --> 00:24:50,119
Speaker 1: it's not my tendency to turn down work because I

510
00:24:50,200 --> 00:24:53,040
Speaker 1: love to earn money. Like I'm amazed at how much

511
00:24:53,480 --> 00:24:56,280
Speaker 1: I like to earn money and how much that is

512
00:24:56,560 --> 00:25:00,720
Speaker 1: kind of associated with my mental picture of myself. But

513
00:25:01,240 --> 00:25:03,440
Speaker 1: you know, when I do it, it's it's good. I guess.

514
00:25:03,440 --> 00:25:07,560
Speaker 1: My one other proud money moment was was negotiating for

515
00:25:07,640 --> 00:25:09,880
Speaker 1: my car. So I never had a car until I

516
00:25:09,960 --> 00:25:13,119
Speaker 1: was thirty when we moved to the suburbs. I've always

517
00:25:13,119 --> 00:25:14,880
Speaker 1: I'd lived in Washington, d C. And then I lived

518
00:25:14,880 --> 00:25:18,840
Speaker 1: in New York, so we never had cars. So you know,

519
00:25:18,920 --> 00:25:21,679
Speaker 1: you don't need them on public transportation as such that

520
00:25:21,720 --> 00:25:24,720
Speaker 1: it's really not necessary. And so I bought my first

521
00:25:24,720 --> 00:25:28,840
Speaker 1: car when we moved out to Pennsylvania, and it was

522
00:25:29,560 --> 00:25:35,159
Speaker 1: a negotiation. The dealer deemed the negotiation aggressive, but I

523
00:25:35,320 --> 00:25:38,280
Speaker 1: got my car for for a lot less than a

524
00:25:38,680 --> 00:25:40,240
Speaker 1: you know, and it's a point of pride, is a

525
00:25:40,280 --> 00:25:43,720
Speaker 1: point of pride that I was. I was aggressive about

526
00:25:43,720 --> 00:25:47,679
Speaker 1: this car negotiation. We're like the worst negotiators, see, I

527
00:25:47,680 --> 00:25:49,919
Speaker 1: mean I think I think it partly has to if

528
00:25:49,960 --> 00:25:52,080
Speaker 1: you don't find spending money all that painful, then you

529
00:25:52,320 --> 00:25:55,520
Speaker 1: like you're like, it's not really worth I don't know,

530
00:25:55,640 --> 00:25:59,000
Speaker 1: it's it's we're not. It's a different philosophy. And in fact,

531
00:25:59,040 --> 00:26:01,320
Speaker 1: we actually hired a car broker to buy our last car,

532
00:26:01,440 --> 00:26:03,520
Speaker 1: so you like, pay somebody a chunk of money and

533
00:26:03,560 --> 00:26:05,479
Speaker 1: then they know all the dealers, so theoretically they can

534
00:26:05,480 --> 00:26:07,359
Speaker 1: get a good enough price and they do the negotiating

535
00:26:07,359 --> 00:26:09,639
Speaker 1: for you, but mostly just takes the workout and you

536
00:26:09,640 --> 00:26:11,879
Speaker 1: probably aren't going to get a terrible deal. You probably

537
00:26:11,880 --> 00:26:14,320
Speaker 1: aren't going to get an aggressive deal either. Well do

538
00:26:14,359 --> 00:26:17,040
Speaker 1: you think they earned you enough back versus what you

539
00:26:17,119 --> 00:26:20,600
Speaker 1: will try to negotiate on your own. Well never know.

540
00:26:20,640 --> 00:26:23,359
Speaker 1: Although we did do something okay frugal car tip. We

541
00:26:23,400 --> 00:26:26,040
Speaker 1: wanted leather seats, and we did get the cloth seats

542
00:26:26,080 --> 00:26:28,399
Speaker 1: and put the leather in like did an aftermarket and

543
00:26:28,440 --> 00:26:29,960
Speaker 1: it looks just as good and it costs like two

544
00:26:29,960 --> 00:26:31,920
Speaker 1: thousand dollars less, So there you go. It wasn't a

545
00:26:32,000 --> 00:26:34,080
Speaker 1: negotiating but it was another strategy. Yeah, that's true. A

546
00:26:34,119 --> 00:26:36,600
Speaker 1: lot of the sort of packages on the cars, you know,

547
00:26:36,640 --> 00:26:40,119
Speaker 1: it's non transparent pricing. Then on stuff that you know,

548
00:26:40,160 --> 00:26:41,880
Speaker 1: if you actually put it out on, Like what would

549
00:26:41,920 --> 00:26:44,600
Speaker 1: it cost a guy to put leather on this seat?

550
00:26:45,200 --> 00:26:46,960
Speaker 1: The answer is probably a lot less than it would

551
00:26:46,960 --> 00:26:49,119
Speaker 1: cost the end that the dealer is going to try

552
00:26:49,160 --> 00:26:53,080
Speaker 1: and charge you for. Yeah. Oh interesting, Okay, and I

553
00:26:53,080 --> 00:26:55,000
Speaker 1: think it was our car broker that gave us that Ideakay,

554
00:26:55,040 --> 00:26:56,720
Speaker 1: but that is not your proudest money moment. I mean,

555
00:26:56,760 --> 00:26:59,760
Speaker 1: I'm sure it's great, but you hired somebody negotiate, But

556
00:27:00,240 --> 00:27:04,080
Speaker 1: what is your privue money moment? Every time I like

557
00:27:04,160 --> 00:27:06,880
Speaker 1: have a big bill, do like, you know, giant property

558
00:27:06,920 --> 00:27:09,920
Speaker 1: tax bill or school tuition, and I look and y M,

559
00:27:10,000 --> 00:27:11,639
Speaker 1: and I have it like all added up like in

560
00:27:11,640 --> 00:27:13,960
Speaker 1: that little budget pocket, like it's got you know whatever,

561
00:27:14,000 --> 00:27:15,720
Speaker 1: fifteen thousand or twenty thousand dollars in there, and I

562
00:27:15,720 --> 00:27:18,200
Speaker 1: can just go click. I love that. That's a great

563
00:27:18,240 --> 00:27:20,200
Speaker 1: feeling because you know, until we had real jobs, we

564
00:27:20,200 --> 00:27:22,560
Speaker 1: could never do that. And a lot of times when

565
00:27:22,640 --> 00:27:25,480
Speaker 1: you do that, you sometimes get a discount, like our

566
00:27:25,480 --> 00:27:27,560
Speaker 1: property tax for every month you pay early you get

567
00:27:27,560 --> 00:27:30,680
Speaker 1: one percent off and that's that's like a few hundred bucks,

568
00:27:30,720 --> 00:27:32,960
Speaker 1: Like that's a lot of money. Yeah, so yeah, that's

569
00:27:33,000 --> 00:27:35,040
Speaker 1: my proud money moment. Yeah, we have that too. If

570
00:27:35,080 --> 00:27:39,520
Speaker 1: you pay your real estate tax bills immediately and in full,

571
00:27:39,640 --> 00:27:42,000
Speaker 1: like you get two percent off or something like that.

572
00:27:42,080 --> 00:27:45,960
Speaker 1: So we've always and certainly more you know, that's off

573
00:27:45,960 --> 00:27:47,480
Speaker 1: the number, and then if you paid over time, you

574
00:27:47,480 --> 00:27:50,439
Speaker 1: pay even more. Right, So it's it, Yeah, definitely the

575
00:27:50,440 --> 00:27:52,040
Speaker 1: way to go, I mean, because it's not like you

576
00:27:52,160 --> 00:27:55,960
Speaker 1: aren't going to not pay it eventually, so yes, if

577
00:27:56,000 --> 00:27:59,800
Speaker 1: you have the cash on hand, it's it's definitely worth

578
00:27:59,800 --> 00:28:03,399
Speaker 1: to advantage of something like that. So what do you

579
00:28:03,480 --> 00:28:05,679
Speaker 1: like least? Like, what money story do you tell yourself

580
00:28:05,680 --> 00:28:11,400
Speaker 1: that you'd like to change yours? Okay, yeah, so, as

581
00:28:11,400 --> 00:28:14,320
Speaker 1: we've been telling you, I find spending money incredibly painful,

582
00:28:14,640 --> 00:28:20,720
Speaker 1: and it's it's not a great There are upsides to that, right,

583
00:28:20,760 --> 00:28:23,280
Speaker 1: you know the fact that you're living within your means

584
00:28:23,280 --> 00:28:27,639
Speaker 1: and stuff like that. But I won't replace stuff, I

585
00:28:27,680 --> 00:28:31,160
Speaker 1: won't get stuff fixed. Partly it's just my physical environment

586
00:28:31,160 --> 00:28:32,960
Speaker 1: doesn't bother as me as much. So I you know,

587
00:28:33,280 --> 00:28:35,720
Speaker 1: was going around for several months with the clock in

588
00:28:35,800 --> 00:28:39,040
Speaker 1: my car being an hour and thirty seven minutes off,

589
00:28:39,360 --> 00:28:42,800
Speaker 1: which apparently I just found it easier to add an

590
00:28:42,800 --> 00:28:45,640
Speaker 1: hour and thirty seven minutes to whatever it said versus

591
00:28:45,960 --> 00:28:49,800
Speaker 1: actually change it. But it's the same thing. I'm walking

592
00:28:49,840 --> 00:28:55,120
Speaker 1: around with my handbags literally held together with dental floss.

593
00:28:56,160 --> 00:28:59,920
Speaker 1: That this was a way I could fix the hand

594
00:29:00,280 --> 00:29:03,120
Speaker 1: to it right the straps the strap came off, so

595
00:29:03,160 --> 00:29:05,720
Speaker 1: I got this. It's it's Coach, which is a nice,

596
00:29:05,760 --> 00:29:07,680
Speaker 1: you know brand leather handbag. But I got it at

597
00:29:07,680 --> 00:29:09,200
Speaker 1: the outlet store and then got it at sales, so

598
00:29:09,200 --> 00:29:11,640
Speaker 1: I got it for about twenty five percent of what

599
00:29:11,680 --> 00:29:13,840
Speaker 1: you would normally pay. Maybe that's why it fell apart.

600
00:29:13,840 --> 00:29:15,800
Speaker 1: I don't know, Maybe it's not, maybe it's fake, who knows,

601
00:29:16,440 --> 00:29:19,360
Speaker 1: but anyway, it's uh. It you know, lasted for about

602
00:29:19,520 --> 00:29:21,800
Speaker 1: a year of heavy daily use, and then one of

603
00:29:21,800 --> 00:29:24,400
Speaker 1: the straps came off, So I have guivered it with

604
00:29:24,880 --> 00:29:27,600
Speaker 1: duck with dental floss because it came apart at a

605
00:29:27,600 --> 00:29:29,520
Speaker 1: time that I think this might be the picture for

606
00:29:29,560 --> 00:29:33,680
Speaker 1: our instagrams exactly of wine carrot. So you know, why

607
00:29:33,800 --> 00:29:36,800
Speaker 1: haven't I gone and bought a new handbag. I don't know,

608
00:29:36,960 --> 00:29:39,560
Speaker 1: can I buy you a handbag? You could? Why don't you?

609
00:29:40,960 --> 00:29:42,960
Speaker 1: Maybe it's just the mental you are ready, I should

610
00:29:42,960 --> 00:29:45,440
Speaker 1: buy a low tough bag. They're beautiful and it's a

611
00:29:45,480 --> 00:29:48,960
Speaker 1: small company. You're supporting an American small company, and their

612
00:29:48,960 --> 00:29:52,120
Speaker 1: stuff is holding up really well for me, definitely more

613
00:29:52,160 --> 00:29:54,360
Speaker 1: than a year. So okay, well I will I will

614
00:29:54,360 --> 00:29:57,680
Speaker 1: look into that. I probably do need a new bag.

615
00:29:59,040 --> 00:30:01,200
Speaker 1: But I wrote of my texts, I was like, OMG,

616
00:30:01,320 --> 00:30:05,200
Speaker 1: Laura buy a bag already. She needs to buy a bag.

617
00:30:05,280 --> 00:30:08,280
Speaker 1: I need to. That's just you know, dental floss doesn't

618
00:30:08,280 --> 00:30:11,800
Speaker 1: probably look the most professional. That's true. Yes, here, I

619
00:30:11,840 --> 00:30:14,280
Speaker 1: am your speaker about how to have a more productive

620
00:30:14,280 --> 00:30:16,880
Speaker 1: effect of life. Walk around with my bag. Maybe it's

621
00:30:16,880 --> 00:30:19,760
Speaker 1: part of your negotiation strategy. You're like, look, I need this.

622
00:30:20,160 --> 00:30:21,840
Speaker 1: You've got to know you, I actually don't want to.

623
00:30:21,960 --> 00:30:24,240
Speaker 1: You don't want to ever go into a negotiation being

624
00:30:24,280 --> 00:30:26,840
Speaker 1: that you need it. Right, you know, it's the best

625
00:30:26,880 --> 00:30:29,480
Speaker 1: negotiation is that I do not I don't need I

626
00:30:29,480 --> 00:30:31,840
Speaker 1: don't need it. I don't need it. I will walk away,

627
00:30:32,000 --> 00:30:33,920
Speaker 1: I will walk away. I do not need this. I

628
00:30:33,920 --> 00:30:36,720
Speaker 1: do not need anything. And actually, when you when you

629
00:30:37,120 --> 00:30:41,880
Speaker 1: have that, it's one of the negotiators. I've learned this year.

630
00:30:41,880 --> 00:30:45,000
Speaker 1: I've actually earned a reasonable chunk. I've been keeping track

631
00:30:45,040 --> 00:30:47,160
Speaker 1: of it. From places that tell me they don't pay

632
00:30:47,200 --> 00:30:49,440
Speaker 1: their speakers. I said, well, then I won't do it,

633
00:30:49,840 --> 00:30:53,040
Speaker 1: and then they find a budget that magically they do

634
00:30:53,120 --> 00:30:55,160
Speaker 1: in fact pay some of their speakers, but apparently only

635
00:30:55,240 --> 00:30:58,280
Speaker 1: the ones who think to ask, So you know, that's

636
00:30:58,560 --> 00:31:01,520
Speaker 1: uh it just never hears like I'm not doing it,

637
00:31:01,560 --> 00:31:03,520
Speaker 1: you know, and or that I can't do it for

638
00:31:03,760 --> 00:31:05,280
Speaker 1: X and sorry, we're not gonna be able to make

639
00:31:05,280 --> 00:31:08,480
Speaker 1: this work. And sometimes people come back and have more budgets.

640
00:31:08,520 --> 00:31:10,800
Speaker 1: Sometimes they don't, but you know, and some of that

641
00:31:10,840 --> 00:31:13,040
Speaker 1: I have my I'm doing sending a lot of this

642
00:31:13,080 --> 00:31:15,480
Speaker 1: over those speakers bureau now anyway, because they're just more

643
00:31:15,680 --> 00:31:20,040
Speaker 1: holding the line on that. But uh, you know, negotiation,

644
00:31:20,400 --> 00:31:25,360
Speaker 1: like I said, that's all that. That's awesome. So what

645
00:31:25,720 --> 00:31:28,880
Speaker 1: story do you like least? I don't. I don't know.

646
00:31:28,920 --> 00:31:32,160
Speaker 1: I just I, oh, I like least that I find

647
00:31:32,760 --> 00:31:36,840
Speaker 1: investing like super intimidating and too complicated, because that's a story.

648
00:31:36,880 --> 00:31:40,400
Speaker 1: It's actually not that complicated. I actually really enjoy listening

649
00:31:40,440 --> 00:31:44,680
Speaker 1: to Planet Money, so I can't be that bad. But

650
00:31:44,880 --> 00:31:47,960
Speaker 1: I feel like neither Josh nor I take as active

651
00:31:48,000 --> 00:31:51,160
Speaker 1: roles as we probably should in sort of managing the

652
00:31:51,200 --> 00:31:54,880
Speaker 1: long term savings side of things. You definitely can totally

653
00:31:54,920 --> 00:31:57,680
Speaker 1: do that yourself, proud. I mean, that's that's you know.

654
00:31:57,720 --> 00:31:59,960
Speaker 1: I know a lot of people like will pay other

655
00:32:00,080 --> 00:32:02,240
Speaker 1: people to do it. I just don't really see why.

656
00:32:02,240 --> 00:32:04,719
Speaker 1: I mean, it's very easy to like set up an

657
00:32:04,720 --> 00:32:08,560
Speaker 1: account and then buy mostly you know, index funds. Not

658
00:32:08,600 --> 00:32:10,959
Speaker 1: that we're giving any no, it's not investment advice, but

659
00:32:11,000 --> 00:32:12,920
Speaker 1: like you don't need somebody else to buy index funds

660
00:32:12,920 --> 00:32:15,200
Speaker 1: for you, and now you should be in any way

661
00:32:15,240 --> 00:32:20,160
Speaker 1: because market long term, So that's what you should. That

662
00:32:20,240 --> 00:32:23,000
Speaker 1: is what I have learned from Planet Money and Freakonomics

663
00:32:23,040 --> 00:32:25,040
Speaker 1: more than anything else. So it's like you should. It

664
00:32:25,120 --> 00:32:27,480
Speaker 1: is something you should diy And we're not necessarily doing

665
00:32:27,480 --> 00:32:29,640
Speaker 1: that at this point, but at some point we'll take

666
00:32:29,640 --> 00:32:32,400
Speaker 1: the reins. We'll see what happens. Yeah, so what are

667
00:32:32,400 --> 00:32:35,880
Speaker 1: you teaching your kids about money? Yeah? So we we

668
00:32:35,960 --> 00:32:39,240
Speaker 1: do do the allowance thing. We certainly buy them stuff

669
00:32:39,440 --> 00:32:42,400
Speaker 1: other times as well. It's not like Cameron, you need

670
00:32:42,400 --> 00:32:45,040
Speaker 1: new clothes, use your allowance. I don't think if three

671
00:32:45,080 --> 00:32:46,959
Speaker 1: dollars a week would get involced, you might just never

672
00:32:47,000 --> 00:32:49,520
Speaker 1: buy clothes, like, I don't want to do do that. Good point.

673
00:32:49,600 --> 00:32:52,640
Speaker 1: Good point. I want full control over the clothing buying actually,

674
00:32:52,680 --> 00:32:57,120
Speaker 1: because yeah, but we do. We do give them a

675
00:32:57,120 --> 00:32:58,600
Speaker 1: three dollars a week. I think it's three dollar. I'm

676
00:32:58,600 --> 00:33:00,200
Speaker 1: actually non charge of it. Josh is in charge it.

677
00:33:00,360 --> 00:33:01,920
Speaker 1: He puts it into wine app, which actually is a

678
00:33:01,920 --> 00:33:04,720
Speaker 1: great system because otherwise it's very easy to forget to

679
00:33:04,760 --> 00:33:06,200
Speaker 1: pay your kids and then you're like, oh, I don't

680
00:33:06,200 --> 00:33:07,680
Speaker 1: know how many weeks it's been, but we can actually

681
00:33:07,720 --> 00:33:08,920
Speaker 1: look back and be like, oh, no, we put it

682
00:33:08,920 --> 00:33:11,280
Speaker 1: in wine app. You've been paid up to October thirteenth.

683
00:33:11,280 --> 00:33:13,080
Speaker 1: And sometimes we'll pay them a few weeks at a time,

684
00:33:14,600 --> 00:33:16,880
Speaker 1: And for example, if we're at a museum and we

685
00:33:16,880 --> 00:33:19,080
Speaker 1: weren't planning on getting something, we can say to them,

686
00:33:19,200 --> 00:33:21,240
Speaker 1: if you really want something, use your money. And I

687
00:33:21,280 --> 00:33:24,960
Speaker 1: think it helps because they do kind of start to understand, oh,

688
00:33:24,960 --> 00:33:26,600
Speaker 1: I can't get this because I don't have enough money

689
00:33:26,600 --> 00:33:30,360
Speaker 1: for this, And so they're understanding the value of different things.

690
00:33:30,440 --> 00:33:33,440
Speaker 1: And I think they're also getting starting to understand, hey,

691
00:33:33,480 --> 00:33:35,120
Speaker 1: if I use my allowance, I won't have it to

692
00:33:35,160 --> 00:33:37,320
Speaker 1: spend later. So I think it's been good and we

693
00:33:37,360 --> 00:33:40,080
Speaker 1: don't tie it to anything thus far, we haven't done

694
00:33:40,120 --> 00:33:43,400
Speaker 1: any like behavior or like jobs for them to well, well, no,

695
00:33:43,680 --> 00:33:45,760
Speaker 1: I take it back. I've like paid Annabella dollar to

696
00:33:45,800 --> 00:33:50,680
Speaker 1: watch Genevieve before for like ten minutes. But generally we're not.

697
00:33:51,040 --> 00:33:53,080
Speaker 1: We're not paying them for things. We just that's like

698
00:33:53,120 --> 00:33:56,520
Speaker 1: their unconditional thing that they get each week. Okay, And

699
00:33:56,800 --> 00:33:58,880
Speaker 1: did you have a debate about this or was that

700
00:33:58,920 --> 00:34:01,160
Speaker 1: how you guys grew up? And that was sort of

701
00:34:01,200 --> 00:34:02,800
Speaker 1: the way. It was, like, you know, the whole tying

702
00:34:02,840 --> 00:34:05,120
Speaker 1: it to chores versus not time to this as I

703
00:34:05,200 --> 00:34:08,080
Speaker 1: learned writing all the money, my parents were quite consistent.

704
00:34:08,480 --> 00:34:10,719
Speaker 1: I don't really remember. I feel like sometimes they would

705
00:34:10,800 --> 00:34:12,440
Speaker 1: just like offer it, and then other times it was

706
00:34:12,480 --> 00:34:14,600
Speaker 1: like they would offer it, but then if you don't

707
00:34:14,600 --> 00:34:16,239
Speaker 1: do this, you don't get it. So it was like

708
00:34:16,280 --> 00:34:19,680
Speaker 1: sort of like a negative reinforcement kind of a situation.

709
00:34:20,200 --> 00:34:23,480
Speaker 1: I don't I don't really remember, and I don't know

710
00:34:23,480 --> 00:34:25,080
Speaker 1: what my husband's side, but that's just kind of what

711
00:34:25,120 --> 00:34:28,120
Speaker 1: we decided together. We may have read something about it, Yeah, sure,

712
00:34:28,400 --> 00:34:32,040
Speaker 1: and you guys you read one side of the literature

713
00:34:32,040 --> 00:34:37,319
Speaker 1: and not the other side. Certainly possible. Yeah, but because

714
00:34:37,360 --> 00:34:40,759
Speaker 1: you guys had like a we had a we had

715
00:34:40,920 --> 00:34:43,120
Speaker 1: one of our biggest fights ever about this. I sort

716
00:34:43,120 --> 00:34:45,239
Speaker 1: of assammed, we'd give our kids allowed. So my parents

717
00:34:45,280 --> 00:34:49,439
Speaker 1: gave us a small allowance growing up every week, and yeah,

718
00:34:49,440 --> 00:34:52,320
Speaker 1: I paid for various things out of that, and babysitting

719
00:34:52,400 --> 00:34:56,560
Speaker 1: money and so forth. You know, I remember like being

720
00:34:56,640 --> 00:34:59,520
Speaker 1: the person who had to have you know, I wouldn't

721
00:34:59,560 --> 00:35:02,000
Speaker 1: go to a sleep away camp in the summer that

722
00:35:02,040 --> 00:35:04,360
Speaker 1: was out of college campus, and I was always responsible

723
00:35:04,400 --> 00:35:05,960
Speaker 1: for my own spending money for that, which would have

724
00:35:05,960 --> 00:35:08,160
Speaker 1: come out of saved allowance and babysitting money and things

725
00:35:08,200 --> 00:35:11,600
Speaker 1: like that. So I sort of assume that's what we do.

726
00:35:11,640 --> 00:35:14,719
Speaker 1: And I kind of mentioned that to Jasper at one point, like, oh, yeah,

727
00:35:14,760 --> 00:35:16,200
Speaker 1: you know, we could give you a couple of dollars

728
00:35:16,200 --> 00:35:18,399
Speaker 1: a week. And then my my husband, I was talking

729
00:35:18,400 --> 00:35:21,239
Speaker 1: about it with him and he just like blew up,

730
00:35:21,480 --> 00:35:24,360
Speaker 1: like in a way that I have not seen any

731
00:35:24,680 --> 00:35:28,520
Speaker 1: other way, shape or form in my life. He is

732
00:35:28,560 --> 00:35:32,000
Speaker 1: a pretty calm guys, because of his childhood experiences or something.

733
00:35:32,080 --> 00:35:34,520
Speaker 1: Don't know, well, I assume it was touching on something

734
00:35:34,600 --> 00:35:37,120
Speaker 1: like because you don't you know, that's not a normal

735
00:35:37,200 --> 00:35:39,880
Speaker 1: reaction to like I'm going to give my kid three dollars.

736
00:35:40,160 --> 00:35:45,960
Speaker 1: So I think, you know, they didn't do allowances growing up.

737
00:35:46,239 --> 00:35:48,279
Speaker 1: And I'm not sure that produced one way or the other,

738
00:35:48,320 --> 00:35:52,080
Speaker 1: because he and his siblings have very different approaches to

739
00:35:52,440 --> 00:35:56,160
Speaker 1: money and money stories they are telling themselves. So it's

740
00:35:56,280 --> 00:36:00,319
Speaker 1: not that one way of being with your children and

741
00:36:00,360 --> 00:36:03,640
Speaker 1: then produces a certain outcome at all. So I'm not

742
00:36:04,000 --> 00:36:06,319
Speaker 1: quite sure what his argument was and in that way,

743
00:36:06,400 --> 00:36:10,920
Speaker 1: but anyway, he was adamantly opposed to giving the children

744
00:36:11,000 --> 00:36:17,560
Speaker 1: an allowance. He thinks that we can pay for things

745
00:36:17,760 --> 00:36:21,560
Speaker 1: for them if they ask and have a good reason,

746
00:36:22,360 --> 00:36:24,400
Speaker 1: but that they should come to us because he, like,

747
00:36:24,440 --> 00:36:26,320
Speaker 1: I think he doesn't like the idea of them having

748
00:36:26,400 --> 00:36:29,440
Speaker 1: income that they can then use that he wants to

749
00:36:29,560 --> 00:36:34,000
Speaker 1: keep maintain the improving or disapproving you know, just stuff

750
00:36:34,000 --> 00:36:36,960
Speaker 1: like if we you know, if we go to you know,

751
00:36:36,960 --> 00:36:40,440
Speaker 1: we went to Dutch Wonderland recently. The amusement park has

752
00:36:40,760 --> 00:36:44,120
Speaker 1: a holiday thing where you can go and you know,

753
00:36:44,160 --> 00:36:46,560
Speaker 1: if the kids thought that they could use their own

754
00:36:46,600 --> 00:36:49,799
Speaker 1: money to like play those stupid games, for instance, like

755
00:36:50,239 --> 00:36:53,120
Speaker 1: he likes to be able to stop them. I think,

756
00:36:53,440 --> 00:36:55,000
Speaker 1: you know, we would totally let them, would you like

757
00:36:55,000 --> 00:36:59,040
Speaker 1: them money? And then that's a lesson, and we do

758
00:36:59,080 --> 00:37:00,880
Speaker 1: a week on trips, we give them like a special

759
00:37:00,960 --> 00:37:04,000
Speaker 1: I forgot, so like we'll give them forty dollars or

760
00:37:04,040 --> 00:37:05,440
Speaker 1: something if we go on a week long trip, and

761
00:37:05,440 --> 00:37:07,959
Speaker 1: then they can buy a big thing or a couple

762
00:37:08,000 --> 00:37:10,960
Speaker 1: of small things. So that's almost like another an extension.

763
00:37:10,960 --> 00:37:12,400
Speaker 1: So I guess we're kind of like super into the

764
00:37:12,400 --> 00:37:14,480
Speaker 1: allowance thing. Well, we'll do something like that in oc

765
00:37:14,760 --> 00:37:16,160
Speaker 1: like if we've gone on a trip, we'll say, well

766
00:37:16,160 --> 00:37:19,120
Speaker 1: everyone can get you know, one souvenir from this trip

767
00:37:19,239 --> 00:37:22,120
Speaker 1: up to twenty dollars and then they sort of look

768
00:37:22,160 --> 00:37:25,040
Speaker 1: around the gift store and figure out how, you know,

769
00:37:25,160 --> 00:37:27,759
Speaker 1: to add. That's kind of like allowing okay, so but

770
00:37:27,840 --> 00:37:29,879
Speaker 1: somehow that doesn't seem to cause a problem. I don't

771
00:37:29,920 --> 00:37:33,520
Speaker 1: know anyway, we have not. Yeah, so at this point

772
00:37:33,600 --> 00:37:35,640
Speaker 1: we just you know, if they ask us for the

773
00:37:35,680 --> 00:37:37,520
Speaker 1: thing is they honestly, they don't ask us for a

774
00:37:37,520 --> 00:37:40,960
Speaker 1: whole lot of stuff. So we'll see how this evolves

775
00:37:41,040 --> 00:37:43,680
Speaker 1: over time, because this can't last. I mean, and at

776
00:37:43,680 --> 00:37:46,040
Speaker 1: some point they're going to be doing stuff with their

777
00:37:46,080 --> 00:37:47,640
Speaker 1: friends on their own. I mean, am I going to

778
00:37:47,719 --> 00:37:49,560
Speaker 1: give them money every time they go out? I think

779
00:37:49,600 --> 00:37:51,799
Speaker 1: there needs to be some sort of personal kind of

780
00:37:51,800 --> 00:37:56,680
Speaker 1: control over it. But I also don't think that, you know,

781
00:37:57,920 --> 00:38:01,200
Speaker 1: I particularly think it would be a great idea for

782
00:38:01,239 --> 00:38:03,560
Speaker 1: them to be trying to like do lots of jobs

783
00:38:03,880 --> 00:38:07,279
Speaker 1: right during you know, high school, for instance, which is

784
00:38:07,480 --> 00:38:10,399
Speaker 1: something that you might do if you were I think

785
00:38:10,440 --> 00:38:12,520
Speaker 1: we both did. Yeah, well I did. I mean I

786
00:38:12,880 --> 00:38:15,840
Speaker 1: did jobs, and I baby said, I like worked at

787
00:38:15,840 --> 00:38:19,520
Speaker 1: the video store, did like all kinds of dumb not dumb.

788
00:38:19,640 --> 00:38:21,600
Speaker 1: I don't know. I guess I learned things I loved

789
00:38:21,600 --> 00:38:25,160
Speaker 1: being a camp counselor actually really well, I think could

790
00:38:25,200 --> 00:38:28,200
Speaker 1: be fine. I just I don't know. I think probably

791
00:38:28,280 --> 00:38:33,200
Speaker 1: that time might be better spent on like studying and

792
00:38:33,280 --> 00:38:35,879
Speaker 1: all that, like during the school year, and so who knows,

793
00:38:35,920 --> 00:38:39,680
Speaker 1: during the school year. Definitely, definitely, Yeah, we have got

794
00:38:39,719 --> 00:38:42,120
Speaker 1: to sort this out at some point. So far, it's

795
00:38:42,160 --> 00:38:45,000
Speaker 1: been okay to just kind of be the reins of

796
00:38:45,040 --> 00:38:48,040
Speaker 1: it that they haven't asked to spend their money on

797
00:38:48,120 --> 00:38:52,960
Speaker 1: stuff much. But we'll see, we'll see how that that develops.

798
00:38:54,200 --> 00:38:56,640
Speaker 1: We'll update this in a year, an update in a year.

799
00:38:57,440 --> 00:39:01,960
Speaker 1: All right, so you know the let's let's just go

800
00:39:02,000 --> 00:39:04,040
Speaker 1: over because we're this is gonna be a long one

801
00:39:04,120 --> 00:39:06,600
Speaker 1: yard Yeah, this is it's gonna be a two part

802
00:39:06,800 --> 00:39:10,400
Speaker 1: let's go. Let's let's move to the earning question. Okay,

803
00:39:10,440 --> 00:39:15,200
Speaker 1: because I think that, I mean, you knew going into

804
00:39:15,760 --> 00:39:19,320
Speaker 1: medicine that that it was a fairly high paying career

805
00:39:19,320 --> 00:39:22,279
Speaker 1: other than you were choosing. Were you evaluating specialties at

806
00:39:22,280 --> 00:39:24,200
Speaker 1: all based on and come out and high school work?

807
00:39:24,560 --> 00:39:29,120
Speaker 1: Was Josh? No, And I know, no, definitely not. That's

808
00:39:29,200 --> 00:39:34,359
Speaker 1: neither of I mean, I felt in medicine or at

809
00:39:34,400 --> 00:39:36,759
Speaker 1: least maybe compared to my upbringing. I mean, even if

810
00:39:36,800 --> 00:39:39,279
Speaker 1: I had been a family met you know, it didn't

811
00:39:39,280 --> 00:39:41,919
Speaker 1: matter what specialty. They're all like a decent wage. They're all.

812
00:39:42,960 --> 00:39:45,879
Speaker 1: It's pretty hard to actually not make six figures. I'm

813
00:39:45,880 --> 00:39:49,960
Speaker 1: sure there are exceptions, like like an academic pediatrician. Uh,

814
00:39:50,600 --> 00:39:52,440
Speaker 1: some of my colleagues actually Impede's ENDO is one of

815
00:39:52,480 --> 00:39:55,120
Speaker 1: the lowest paying of the pediatric subspecialties. So if you

816
00:39:55,120 --> 00:39:58,600
Speaker 1: go to an academic center, you could possibly find a

817
00:39:58,640 --> 00:40:00,759
Speaker 1: non six figure job, but that would be hard to do.

818
00:40:01,280 --> 00:40:03,520
Speaker 1: So I knew that no matter what I picked, it

819
00:40:03,640 --> 00:40:06,319
Speaker 1: was going to be decent, and I might as well

820
00:40:06,320 --> 00:40:08,480
Speaker 1: pick something that I thought was really fun and rewarding.

821
00:40:08,600 --> 00:40:11,839
Speaker 1: So I did not have financials figure and in fact,

822
00:40:12,120 --> 00:40:14,400
Speaker 1: you know, in retrospect sometimes I wonder if that was

823
00:40:14,480 --> 00:40:17,720
Speaker 1: smart I had. I'm got a brag. I had great

824
00:40:17,760 --> 00:40:19,920
Speaker 1: test scores, like I'm a good test taker, and like

825
00:40:19,960 --> 00:40:24,200
Speaker 1: on my boards. You know, pediatrics doesn't usually have great

826
00:40:24,200 --> 00:40:26,279
Speaker 1: board scores, like you don't need high board scores like

827
00:40:26,320 --> 00:40:27,640
Speaker 1: I had the kind of board scores. If I had

828
00:40:27,640 --> 00:40:29,839
Speaker 1: been interested in something like dermatology, I could have done

829
00:40:29,880 --> 00:40:32,799
Speaker 1: it where I probably could work like two days a

830
00:40:32,840 --> 00:40:36,000
Speaker 1: week and earn like a lot of money six figures.

831
00:40:36,040 --> 00:40:39,200
Speaker 1: You know, I didn't do that. I ended up instead

832
00:40:39,280 --> 00:40:42,320
Speaker 1: doing something that's not as high paying, but it's still

833
00:40:42,640 --> 00:40:45,200
Speaker 1: pretty well paying, especially the type of job that I

834
00:40:45,239 --> 00:40:47,680
Speaker 1: took and in the market that I took. So no,

835
00:40:47,840 --> 00:40:50,439
Speaker 1: it didn't go into it. Maybe it could have more,

836
00:40:50,480 --> 00:40:53,080
Speaker 1: but I'm pretty happy how it turned out. And same

837
00:40:53,120 --> 00:40:55,759
Speaker 1: with Josh. I mean, he enjoys the procedural subspecialties which

838
00:40:55,840 --> 00:40:58,600
Speaker 1: tend to pay more, but that was not a conscious

839
00:40:58,640 --> 00:41:02,160
Speaker 1: decision made on payment and a phrase that my husband

840
00:41:02,200 --> 00:41:03,560
Speaker 1: likes to say, is I just want to take care

841
00:41:03,560 --> 00:41:05,160
Speaker 1: of patients, Like that's what he used to say, and

842
00:41:05,520 --> 00:41:07,400
Speaker 1: he'll say that even to the point where it's like,

843
00:41:07,560 --> 00:41:09,440
Speaker 1: so I'm not going to really negotiate my salary. But

844
00:41:09,640 --> 00:41:12,200
Speaker 1: at some point I was like, listen, this is our family,

845
00:41:12,239 --> 00:41:14,000
Speaker 1: this is our kids, this is your time. So you

846
00:41:14,120 --> 00:41:15,719
Speaker 1: have to actually stop saying that you can take care

847
00:41:15,719 --> 00:41:18,440
Speaker 1: of patients and I can pay you what you're worth,

848
00:41:18,600 --> 00:41:20,600
Speaker 1: Like these things are not at odds, Like you're going

849
00:41:20,640 --> 00:41:22,880
Speaker 1: to take care of your patients both ways. So I

850
00:41:23,000 --> 00:41:26,040
Speaker 1: made exactly exactly so, but no neither of us factored

851
00:41:26,080 --> 00:41:31,400
Speaker 1: in our specialty choice at all. No, that's a you know,

852
00:41:31,440 --> 00:41:35,000
Speaker 1: I when I wrote I'm very interested in this question

853
00:41:35,080 --> 00:41:38,480
Speaker 1: of like women and money and earning and all that,

854
00:41:38,560 --> 00:41:42,200
Speaker 1: because I think women don't necessarily grow up with stories

855
00:41:42,239 --> 00:41:45,360
Speaker 1: of what they need to earn to support a family

856
00:41:45,560 --> 00:41:49,040
Speaker 1: in the same way that men do. That there is

857
00:41:50,719 --> 00:41:53,480
Speaker 1: you know, certainly many women wind up going into not

858
00:41:53,480 --> 00:41:54,920
Speaker 1: not as many as you might think. I when I

859
00:41:54,920 --> 00:41:56,640
Speaker 1: did the research for I know how she does it

860
00:41:56,640 --> 00:41:58,600
Speaker 1: because I was looking into writing about women in six

861
00:41:58,640 --> 00:42:02,279
Speaker 1: figure careers, only like four percent of women and these

862
00:42:02,280 --> 00:42:04,439
Speaker 1: are US figures. By the way US dollars, Only about

863
00:42:04,440 --> 00:42:07,560
Speaker 1: four percent of women earn six figures a year. I mean,

864
00:42:07,560 --> 00:42:11,600
Speaker 1: it's really low for you know, and it's more than

865
00:42:11,600 --> 00:42:13,120
Speaker 1: that for men. I mean it's not a huge amount

866
00:42:13,200 --> 00:42:16,359
Speaker 1: more than that, but it's definitely The proportion of six

867
00:42:16,360 --> 00:42:21,720
Speaker 1: figure earners who are women is relatively low for various reasons.

868
00:42:21,760 --> 00:42:24,640
Speaker 1: I mean, because a you generally have to choose certain careers,

869
00:42:25,280 --> 00:42:26,759
Speaker 1: you know, and I know that this is one of

870
00:42:26,920 --> 00:42:29,520
Speaker 1: the feedback we get. Obviously, you know, once you've chosen

871
00:42:29,560 --> 00:42:31,200
Speaker 1: a career, it's sort of harder to move out of

872
00:42:31,200 --> 00:42:33,799
Speaker 1: a range of what the salary is, and so then

873
00:42:33,960 --> 00:42:36,839
Speaker 1: that all this stuff about you know, what you can

874
00:42:36,880 --> 00:42:40,359
Speaker 1: spend on various things is sort of less relevant. But

875
00:42:40,640 --> 00:42:43,480
Speaker 1: you know, when you're making these career choices going in,

876
00:42:43,920 --> 00:42:46,960
Speaker 1: I think women often don't think about it with the

877
00:42:47,120 --> 00:42:50,840
Speaker 1: same urgency that men might, because a lot of women

878
00:42:50,920 --> 00:42:53,400
Speaker 1: do not grow up thinking I might need to support

879
00:42:53,440 --> 00:42:57,439
Speaker 1: a family on my own, and men are more likely

880
00:42:57,480 --> 00:42:59,560
Speaker 1: to think that that might be a scenario that would

881
00:42:59,560 --> 00:43:02,239
Speaker 1: happen at some point in their lives, and so it

882
00:43:02,239 --> 00:43:07,880
Speaker 1: affects what you go into. But you know, it's I

883
00:43:07,920 --> 00:43:11,200
Speaker 1: think that it's something that it would probably help if

884
00:43:11,200 --> 00:43:14,239
Speaker 1: more women did grow up thinking that way, A because

885
00:43:14,239 --> 00:43:16,200
Speaker 1: a lot of women will wind up supporting their whole

886
00:43:16,200 --> 00:43:19,200
Speaker 1: family on their own at some point, you know, whether

887
00:43:19,320 --> 00:43:23,960
Speaker 1: through your choice or because of circumstance. And also just

888
00:43:24,320 --> 00:43:29,400
Speaker 1: you know, the big jobs are often more family friendly,

889
00:43:29,440 --> 00:43:32,839
Speaker 1: I would say than one might anticipate, partly because as

890
00:43:32,880 --> 00:43:35,960
Speaker 1: you move into sort of these professional jobs or higher

891
00:43:36,000 --> 00:43:38,520
Speaker 1: up the ladder of various things, you have more autonomy

892
00:43:39,200 --> 00:43:42,759
Speaker 1: and control over your time, which gives you more flexibility,

893
00:43:42,760 --> 00:43:46,520
Speaker 1: and then you have the cash to make certain aspects

894
00:43:46,640 --> 00:43:50,440
Speaker 1: of balancing work in life far more doable, like if

895
00:43:50,520 --> 00:43:54,239
Speaker 1: you need an extra hour of babysitting because you've got

896
00:43:54,239 --> 00:43:56,880
Speaker 1: a meeting that's running late, it's not you know, a

897
00:43:57,000 --> 00:44:01,480
Speaker 1: huge deal, right, which it could be, and other circumstances,

898
00:44:01,560 --> 00:44:05,680
Speaker 1: And so you know, I think I didn't necessarily grow

899
00:44:05,760 --> 00:44:07,759
Speaker 1: up with anyone telling me I needed to earn a

900
00:44:07,800 --> 00:44:11,720
Speaker 1: lot of money and and I did, you know, marry

901
00:44:11,760 --> 00:44:15,160
Speaker 1: a guy who was earning more than me. But I've

902
00:44:15,160 --> 00:44:19,920
Speaker 1: been I've been pretty you know, gung ho about doing it.

903
00:44:19,680 --> 00:44:22,520
Speaker 1: It's it's a side of my personality. I guess. I

904
00:44:22,560 --> 00:44:26,440
Speaker 1: decided to find myself and have been you know, kind

905
00:44:26,440 --> 00:44:28,440
Speaker 1: of cool to see what you can do to to

906
00:44:28,920 --> 00:44:32,239
Speaker 1: you know, raise your income over time. So you know,

907
00:44:32,320 --> 00:44:36,640
Speaker 1: I think that we're talking about how to sort of

908
00:44:36,920 --> 00:44:39,720
Speaker 1: think about your earning potential. I think one of the

909
00:44:39,760 --> 00:44:42,480
Speaker 1: real big things that would be important for women is

910
00:44:42,480 --> 00:44:45,560
Speaker 1: if you are scaling down or taking some time out

911
00:44:45,600 --> 00:44:48,080
Speaker 1: to be very serious about thinking about your earning potential

912
00:44:48,200 --> 00:44:50,759
Speaker 1: for getting back in Like, you don't want to get

913
00:44:50,760 --> 00:44:53,960
Speaker 1: yourself to a place where you can't earn you know,

914
00:44:54,640 --> 00:44:58,120
Speaker 1: a reasonable amount in the future. And you've you've thought

915
00:44:58,120 --> 00:44:59,960
Speaker 1: about this a lot. So I mean, medicine is good,

916
00:45:00,160 --> 00:45:02,480
Speaker 1: this and that when you scale down a little bit,

917
00:45:02,560 --> 00:45:05,480
Speaker 1: you can often scale right that guy, right, yep, you

918
00:45:05,520 --> 00:45:07,279
Speaker 1: can scale right back. But if you could tell your

919
00:45:07,280 --> 00:45:09,400
Speaker 1: person tomorrow, schedule me for a full week and they

920
00:45:10,600 --> 00:45:14,560
Speaker 1: would do it, Yes, yes, one hundred percent. And you know,

921
00:45:14,600 --> 00:45:18,160
Speaker 1: going back a little bit about how having a job

922
00:45:18,200 --> 00:45:22,319
Speaker 1: that earns a decent salary is helpful in making work

923
00:45:22,360 --> 00:45:24,959
Speaker 1: in life fit together. I mean that's something that we've

924
00:45:25,000 --> 00:45:28,880
Speaker 1: gotten a lot of you know, feedback, positive or negative

925
00:45:29,920 --> 00:45:34,279
Speaker 1: on this podcast. But it is true. It's an undeniable truth.

926
00:45:34,320 --> 00:45:36,359
Speaker 1: And you know that doesn't change the fact that it's

927
00:45:36,400 --> 00:45:38,759
Speaker 1: it is difficult for some people who have already kind

928
00:45:38,760 --> 00:45:44,400
Speaker 1: of gotten settled in lower income tracks. But that said,

929
00:45:45,280 --> 00:45:48,640
Speaker 1: I think nowadays there are more and more people doing

930
00:45:48,760 --> 00:45:52,319
Speaker 1: creative things with their skill sets, whether that be a

931
00:45:52,400 --> 00:45:55,680
Speaker 1: side hustle or looking to see how they could, you know,

932
00:45:55,800 --> 00:45:57,719
Speaker 1: use those skills in a related field that's not the

933
00:45:57,760 --> 00:46:00,480
Speaker 1: same like maybe you're a teacher, but then you're going

934
00:46:00,560 --> 00:46:02,640
Speaker 1: to start your own tutoring business or become a consultant

935
00:46:02,760 --> 00:46:08,319
Speaker 1: for a like exactly the things you could do differently. Yeah,

936
00:46:08,360 --> 00:46:10,920
Speaker 1: So I think it's I think it's just a valid

937
00:46:10,920 --> 00:46:13,720
Speaker 1: approach as any And you know, I was just thinking,

938
00:46:13,840 --> 00:46:15,439
Speaker 1: you know, there's there's only two ways to make things

939
00:46:15,440 --> 00:46:17,480
Speaker 1: easier on the money side. There's spend less and earn more.

940
00:46:17,480 --> 00:46:20,360
Speaker 1: And I think earn more has its value and doesn't

941
00:46:20,360 --> 00:46:24,279
Speaker 1: always get it's due, especially with women on the spend

942
00:46:24,320 --> 00:46:26,719
Speaker 1: less side of things. I will admit that I enjoy

943
00:46:26,760 --> 00:46:29,440
Speaker 1: reading those things too. Uh, Laura and I both I

944
00:46:29,440 --> 00:46:31,880
Speaker 1: think from time to time read The Frugal Girl's blog.

945
00:46:32,120 --> 00:46:35,359
Speaker 1: She's she comments on on Laura's blog as well, and

946
00:46:35,840 --> 00:46:37,480
Speaker 1: it's so interesting because I feel like I'm coming from

947
00:46:37,520 --> 00:46:39,319
Speaker 1: a different world. And yet I think her tips are

948
00:46:39,800 --> 00:46:42,440
Speaker 1: fascinating and I think there's value to how she does

949
00:46:42,480 --> 00:46:45,480
Speaker 1: things with her family, even though it's like a completely

950
00:46:45,480 --> 00:46:47,919
Speaker 1: it's just entirely different from from the Way with you. Yeah,

951
00:46:47,920 --> 00:46:49,840
Speaker 1: it's a great blog The Frugal Girl. Definitely check that

952
00:46:49,920 --> 00:46:53,800
Speaker 1: one out. She's got lots of cheerful tips on living frugally,

953
00:46:53,880 --> 00:46:57,000
Speaker 1: which is better than the sort of gosh, the what's

954
00:46:57,080 --> 00:46:59,279
Speaker 1: his name mister money mustache, which is you know, all

955
00:46:59,280 --> 00:47:04,600
Speaker 1: about wanting to you know. But she clearly finds joy

956
00:47:04,600 --> 00:47:11,360
Speaker 1: in the creativity and thriving so angrily aggressively spend less money.

957
00:47:12,200 --> 00:47:16,320
Speaker 1: Yeah no, no, totally on that. So but you decided

958
00:47:16,360 --> 00:47:18,320
Speaker 1: it was worth it for you to go down a

959
00:47:18,320 --> 00:47:21,399
Speaker 1: little bit. I mean, partly this podcast exists because you're you're,

960
00:47:21,760 --> 00:47:23,719
Speaker 1: you know, looking to do other things with at least

961
00:47:23,760 --> 00:47:27,680
Speaker 1: one day a week of your life. Yeah. For me,

962
00:47:28,040 --> 00:47:31,160
Speaker 1: I just the difference between having some wiggle room in

963
00:47:31,239 --> 00:47:36,680
Speaker 1: my schedule and none was so vast. And because to

964
00:47:36,719 --> 00:47:39,360
Speaker 1: be honest, I can still earn a decent living working

965
00:47:39,400 --> 00:47:42,920
Speaker 1: four days a week and still feel like I'm contributing

966
00:47:42,960 --> 00:47:46,160
Speaker 1: stanifinitely to our family. It kind of was once we

967
00:47:46,239 --> 00:47:48,120
Speaker 1: kind of thought about it. It was an easy decision

968
00:47:48,120 --> 00:47:53,520
Speaker 1: to make. Yeah, I could see doing more later. In fact,

969
00:47:54,239 --> 00:47:58,200
Speaker 1: depending on what happens with my work responsibilities, it's possible

970
00:47:58,200 --> 00:47:59,960
Speaker 1: I may have some more flexibility. So I thought, well,

971
00:48:00,239 --> 00:48:02,600
Speaker 1: maybe that means I could add more time. Josh is

972
00:48:02,640 --> 00:48:05,239
Speaker 1: sort of against it, because I think he likes that

973
00:48:05,280 --> 00:48:06,520
Speaker 1: I have a whole day that I could go to

974
00:48:06,560 --> 00:48:09,600
Speaker 1: the parent teacher conferences or do podcasts or you know whatever.

975
00:48:10,600 --> 00:48:12,879
Speaker 1: So we'll see what happens. But it is certainly true

976
00:48:12,880 --> 00:48:15,560
Speaker 1: that I could could scale up at any moment should

977
00:48:15,600 --> 00:48:17,960
Speaker 1: we need or want to. Well, that's good. That's good

978
00:48:17,960 --> 00:48:21,040
Speaker 1: to make sure that that is there. And I mean

979
00:48:21,040 --> 00:48:22,600
Speaker 1: the sort of a thing I sort of take for

980
00:48:22,640 --> 00:48:25,239
Speaker 1: granted with self employment because it's always possible, is sort

981
00:48:25,280 --> 00:48:27,480
Speaker 1: of scale up in the sense that you just market

982
00:48:27,480 --> 00:48:29,880
Speaker 1: yourself more aggressively, right like reach out to all the

983
00:48:29,880 --> 00:48:31,879
Speaker 1: people you've worked with in the past and be like, hey,

984
00:48:32,120 --> 00:48:34,000
Speaker 1: we'd love to do more, and then there you are.

985
00:48:34,719 --> 00:48:37,799
Speaker 1: Something will usually come back. But you know, it's a

986
00:48:37,840 --> 00:48:40,200
Speaker 1: question of how much you're putting into that at any

987
00:48:40,200 --> 00:48:42,720
Speaker 1: given point. All Right, what do we love to spend

988
00:48:42,800 --> 00:48:46,719
Speaker 1: money on? Yeah, this is lightning long. We could we

989
00:48:46,760 --> 00:48:48,239
Speaker 1: could skip a question. I leave that up to you

990
00:48:48,280 --> 00:48:51,239
Speaker 1: if you want. I like this, Okay, well what do

991
00:48:51,239 --> 00:48:52,960
Speaker 1: you What do we love to spend money on? So

992
00:48:53,840 --> 00:48:57,120
Speaker 1: I do like eating in good restaurants. I find that

993
00:48:57,120 --> 00:49:01,120
Speaker 1: that is something I enjoy spending money on. I have

994
00:49:01,239 --> 00:49:05,640
Speaker 1: also taught myself to buy books with slightly less of

995
00:49:05,680 --> 00:49:11,800
Speaker 1: that pain factor, like the physical pain of spending money,

996
00:49:12,560 --> 00:49:15,040
Speaker 1: because you're supporting. I've read one of my friends and

997
00:49:15,080 --> 00:49:17,480
Speaker 1: if everyone felt that it was painful to buy books,

998
00:49:17,520 --> 00:49:23,399
Speaker 1: we'd have an issue in terms of my livelihood. So yeah,

999
00:49:23,440 --> 00:49:26,879
Speaker 1: I like to buy books and feel happy spending money

1000
00:49:26,920 --> 00:49:30,760
Speaker 1: on that. How about you? I like to buy everything.

1001
00:49:30,840 --> 00:49:34,279
Speaker 1: You know, I'm not I mean like a sort of

1002
00:49:34,320 --> 00:49:37,680
Speaker 1: tongue in cheeic, but like I take pleasure in buying

1003
00:49:37,840 --> 00:49:40,160
Speaker 1: things for the most part, even and when it's like

1004
00:49:40,400 --> 00:49:42,200
Speaker 1: I'm paying or nanny or I'm paying for camp, I

1005
00:49:42,239 --> 00:49:43,680
Speaker 1: just like like, oh I can do this. I save

1006
00:49:43,719 --> 00:49:45,240
Speaker 1: for it, and I did it. So I like it.

1007
00:49:45,320 --> 00:49:48,279
Speaker 1: In terms of like indulgences, I like buying nicer sunscreen

1008
00:49:48,400 --> 00:49:51,439
Speaker 1: and bath products and like, I don't know, like make

1009
00:49:51,520 --> 00:49:53,920
Speaker 1: up that kind of a thing. Maybe because during childhood

1010
00:49:54,239 --> 00:49:56,640
Speaker 1: I felt like even our Suave conditioner was like rash,

1011
00:49:56,680 --> 00:50:01,440
Speaker 1: and so it's a rebellion thing. I love buying stationary

1012
00:50:01,480 --> 00:50:03,880
Speaker 1: products and I actually you said you you do Target

1013
00:50:03,920 --> 00:50:06,480
Speaker 1: for your kids clothes. But I love Tea collection and

1014
00:50:06,560 --> 00:50:10,400
Speaker 1: Boden and really enjoy spending a little bit on our kids.

1015
00:50:10,440 --> 00:50:13,360
Speaker 1: We've add we add water to the conditioner at the

1016
00:50:13,440 --> 00:50:15,920
Speaker 1: end the shampoo to get it out, which I probably

1017
00:50:16,080 --> 00:50:17,919
Speaker 1: is what you grew up with, right, Like, so that's

1018
00:50:19,200 --> 00:50:22,320
Speaker 1: your kids. Your kids are gonna have some expensive cosmetic habits.

1019
00:50:22,360 --> 00:50:26,880
Speaker 1: Possibly you shall see, all right, what is it? Pain? Money? Everything?

1020
00:50:27,800 --> 00:50:30,719
Speaker 1: We're having this this conversation, I don't know for some reason,

1021
00:50:30,760 --> 00:50:33,440
Speaker 1: like shopping at Costco in particular, it fills me with dread,

1022
00:50:34,239 --> 00:50:36,360
Speaker 1: you know, and I like to go for sometimes because

1023
00:50:36,400 --> 00:50:39,400
Speaker 1: they they have good deals. And yet you're still like

1024
00:50:39,480 --> 00:50:41,680
Speaker 1: buying a lot of stuff, and it's always expensive all

1025
00:50:41,719 --> 00:50:45,800
Speaker 1: where they are buy like you even if per paper

1026
00:50:45,840 --> 00:50:48,080
Speaker 1: towel roll it's cheap, like you're you're spending a lot

1027
00:50:48,120 --> 00:50:50,279
Speaker 1: then on paper towel. But we use it. We use it.

1028
00:50:50,280 --> 00:50:52,160
Speaker 1: We use all that toilet paper, we use all that

1029
00:50:52,320 --> 00:50:59,480
Speaker 1: parbasan cheek to stack this stuff. Dishwasher detergent, tied laundry. Yeah,

1030
00:50:59,520 --> 00:51:02,919
Speaker 1: you are so underby is so interesting. The only things

1031
00:51:02,920 --> 00:51:04,640
Speaker 1: I can I could think of to answer this question

1032
00:51:04,680 --> 00:51:07,359
Speaker 1: yours was like everything. I was like wind insurance because

1033
00:51:07,400 --> 00:51:10,600
Speaker 1: the deductible, that's like nobody wants. It's a lot. So

1034
00:51:10,600 --> 00:51:12,600
Speaker 1: I'm like, we're really never going to get anything out

1035
00:51:12,600 --> 00:51:15,120
Speaker 1: of this. But anyway, and then also that that horrible

1036
00:51:15,160 --> 00:51:17,600
Speaker 1: letdown if you do splurge on some super expensive dinner

1037
00:51:17,600 --> 00:51:21,359
Speaker 1: and then it wasn't that good. But I mean, who doesn't. Yeah,

1038
00:51:21,360 --> 00:51:23,640
Speaker 1: that's right. You never love spending money on things that

1039
00:51:23,680 --> 00:51:26,520
Speaker 1: you don't feel like you're getting your money's worth out of.

1040
00:51:26,960 --> 00:51:29,040
Speaker 1: That's always said, all right, let's go to the question.

1041
00:51:29,120 --> 00:51:33,239
Speaker 1: Let's get through this. So our listener wrote that her

1042
00:51:33,280 --> 00:51:35,839
Speaker 1: husband and her live about fifteen hundred miles from his

1043
00:51:35,920 --> 00:51:39,000
Speaker 1: family and almost four thousand miles from her family. Any

1044
00:51:39,040 --> 00:51:41,880
Speaker 1: tips for how to use our vacation time so that

1045
00:51:41,960 --> 00:51:44,080
Speaker 1: both of us can see each other's family. Only a

1046
00:51:44,080 --> 00:51:46,080
Speaker 1: few members of each family are able to visit us,

1047
00:51:46,160 --> 00:51:48,520
Speaker 1: so that we can take some trips to other destinations.

1048
00:51:48,760 --> 00:51:51,200
Speaker 1: We often each visit our own family separately, but it

1049
00:51:51,200 --> 00:51:53,880
Speaker 1: would be nice to take more trips together. I was

1050
00:51:53,920 --> 00:51:56,320
Speaker 1: sort of wondering from this if they don't have children,

1051
00:51:57,160 --> 00:52:01,680
Speaker 1: but maybe they do, I don't know. I don't know. Yeah,

1052
00:52:01,680 --> 00:52:03,719
Speaker 1: you're right, because if they're taking trips separately, unless they're

1053
00:52:03,719 --> 00:52:06,520
Speaker 1: like breaking up the children, like each takes the children

1054
00:52:06,560 --> 00:52:08,239
Speaker 1: and leaves the others, I don't know, because the other

1055
00:52:08,280 --> 00:52:10,160
Speaker 1: can't get on work. Maybe that's how they're doing. But

1056
00:52:10,239 --> 00:52:14,880
Speaker 1: we'll answer it with both options. I think the biggest

1057
00:52:14,880 --> 00:52:17,000
Speaker 1: thing is that frequency matters more than the duration, and

1058
00:52:17,080 --> 00:52:21,200
Speaker 1: I have found that in my life, like I you know,

1059
00:52:21,320 --> 00:52:22,799
Speaker 1: if I take a weekend, it can be just as

1060
00:52:22,800 --> 00:52:25,560
Speaker 1: fulfilling as taking two weeks. So I think they need

1061
00:52:25,600 --> 00:52:28,560
Speaker 1: to make use of three day weekends or paid time

1062
00:52:28,600 --> 00:52:31,359
Speaker 1: off to take short trips to visit the ones they love,

1063
00:52:31,480 --> 00:52:34,799
Speaker 1: you know, short but intense can work. I also think

1064
00:52:34,800 --> 00:52:37,560
Speaker 1: they could build in some traditions there, like I believe

1065
00:52:37,560 --> 00:52:40,120
Speaker 1: this came from the Happier podcast, but like you know,

1066
00:52:40,200 --> 00:52:42,520
Speaker 1: Memorial Day is the time that they all go and visit,

1067
00:52:43,080 --> 00:52:44,920
Speaker 1: you know, the aunt and the parents go too. You know,

1068
00:52:45,160 --> 00:52:48,040
Speaker 1: if they start to have some no brainer destinations that

1069
00:52:48,080 --> 00:52:49,680
Speaker 1: they do every year, then they don't have to think

1070
00:52:49,719 --> 00:52:53,719
Speaker 1: about it. It's built in and it doesn't necessarily have

1071
00:52:53,760 --> 00:52:56,920
Speaker 1: to be a super long thing, but it'll become kind

1072
00:52:56,920 --> 00:52:58,920
Speaker 1: of an institution if they're doing it all the time. Yeah,

1073
00:52:58,960 --> 00:53:02,720
Speaker 1: I mean you can certainly travel, like even plane trips,

1074
00:53:02,719 --> 00:53:04,239
Speaker 1: you don't have to go for that long. I mean

1075
00:53:04,280 --> 00:53:06,400
Speaker 1: sometimes it seems like, well I've since I've gotten on

1076
00:53:06,440 --> 00:53:08,279
Speaker 1: the flight, I may as well stay for a long time.

1077
00:53:08,280 --> 00:53:11,120
Speaker 1: But as I've learned from work travel, that's not the case.

1078
00:53:11,239 --> 00:53:13,040
Speaker 1: I mean, you could be in and out of, you know,

1079
00:53:13,160 --> 00:53:17,719
Speaker 1: someplace in a very quick amount of time. So, you know,

1080
00:53:17,920 --> 00:53:22,000
Speaker 1: we're thinking about doing budgeting more for that and sort

1081
00:53:22,040 --> 00:53:25,719
Speaker 1: of less for other things. Or maybe they have jobs

1082
00:53:25,760 --> 00:53:27,680
Speaker 1: where they travel and get frequent with hire miles for

1083
00:53:27,680 --> 00:53:31,440
Speaker 1: that could use it for family travel too. But yeah,

1084
00:53:31,480 --> 00:53:35,080
Speaker 1: you know, I think using some of the longer weekends

1085
00:53:35,120 --> 00:53:38,040
Speaker 1: and so then that they could commit to taking a

1086
00:53:38,200 --> 00:53:41,120
Speaker 1: family vacation not to visit other family, you know, once

1087
00:53:41,160 --> 00:53:43,520
Speaker 1: a year, would would be helpful for at least feeling like,

1088
00:53:43,520 --> 00:53:47,279
Speaker 1: well we do this sometimes that not our entire you know,

1089
00:53:47,320 --> 00:53:50,600
Speaker 1: paid time off budget is used up through only family travel.

1090
00:53:50,680 --> 00:53:52,560
Speaker 1: I think that would help with this perspective as well.

1091
00:53:53,600 --> 00:53:55,839
Speaker 1: I'm surprised that they do this separate thing. I wonder

1092
00:53:55,840 --> 00:53:58,239
Speaker 1: if that'll. Yeah, that's why I was wondering about the kids,

1093
00:53:58,239 --> 00:54:01,160
Speaker 1: because I just don't see that being that's true. Something

1094
00:54:01,200 --> 00:54:03,839
Speaker 1: true would but maybe maybe because that could actually be,

1095
00:54:04,320 --> 00:54:06,239
Speaker 1: you know, take one kid to go visit grandma and

1096
00:54:06,239 --> 00:54:07,680
Speaker 1: the other takes the other kid to go visit the

1097
00:54:07,680 --> 00:54:10,560
Speaker 1: other grandma and then hey, you've done your thing. I

1098
00:54:10,560 --> 00:54:13,560
Speaker 1: don't know, maybe switch off the next year. I hadn't

1099
00:54:13,600 --> 00:54:17,440
Speaker 1: really pondered that could work. Well, somebody listening to this

1100
00:54:17,560 --> 00:54:19,279
Speaker 1: is that's what they do with their family, then please

1101
00:54:19,320 --> 00:54:21,200
Speaker 1: write in and let us know how you do it.

1102
00:54:21,440 --> 00:54:23,040
Speaker 1: All right, Sarah, your love of the week. We've been

1103
00:54:23,040 --> 00:54:27,120
Speaker 1: talking some other loves, but we'll get this one in. Yeah,

1104
00:54:27,160 --> 00:54:29,920
Speaker 1: this was not super budget. I have these really pretty,

1105
00:54:29,920 --> 00:54:33,080
Speaker 1: sparkly badgly Mishkas shoes that I just wore. And the

1106
00:54:33,080 --> 00:54:34,680
Speaker 1: first time I'd wore them, I was pregnant, so they

1107
00:54:34,680 --> 00:54:37,160
Speaker 1: weren't very comfortable, but this time it wasn't and I

1108
00:54:37,200 --> 00:54:39,200
Speaker 1: was like wow, for like three and a half in cheels,

1109
00:54:39,400 --> 00:54:41,839
Speaker 1: these are great and they were so pretty, and yeah,

1110
00:54:42,040 --> 00:54:43,960
Speaker 1: so those are my lovely I'm going to go with

1111
00:54:44,000 --> 00:54:47,120
Speaker 1: a Dutch Wonderland, which I mentioned earlier in this episode

1112
00:54:47,160 --> 00:54:50,560
Speaker 1: was our amusement park place we went, but some a

1113
00:54:50,560 --> 00:54:52,640
Speaker 1: lot of places, I mean Sesamme Plice does this too,

1114
00:54:52,680 --> 00:54:55,600
Speaker 1: Like during the winter, they'll open up for holiday weekends

1115
00:54:55,640 --> 00:54:58,680
Speaker 1: before Christmas, and you know, they don't have all the

1116
00:54:58,760 --> 00:55:02,080
Speaker 1: rides running. Obviously, the water rides are not running because

1117
00:55:02,120 --> 00:55:04,680
Speaker 1: it's a frozen outside. But if you can go on

1118
00:55:04,719 --> 00:55:08,320
Speaker 1: a day that's like forty degrees, it's actually relatively pleasant.

1119
00:55:08,320 --> 00:55:10,440
Speaker 1: And then you see all the lights and you know,

1120
00:55:10,480 --> 00:55:13,680
Speaker 1: you can ride some rides and it's a fun family

1121
00:55:13,800 --> 00:55:16,920
Speaker 1: active thing to do that. You know, in winter it

1122
00:55:17,000 --> 00:55:19,960
Speaker 1: starts being a lot of indoor stuff and gets boring

1123
00:55:20,040 --> 00:55:22,840
Speaker 1: going to the same children's museum over and over again.

1124
00:55:22,960 --> 00:55:25,719
Speaker 1: So just something to switch up. And in terms of

1125
00:55:25,719 --> 00:55:27,920
Speaker 1: this money episode, it was it was very cheap. Like

1126
00:55:28,000 --> 00:55:30,239
Speaker 1: as I mentioned, it was, you know, because not all

1127
00:55:30,239 --> 00:55:32,920
Speaker 1: the rides are open. They were charging a lot less

1128
00:55:32,960 --> 00:55:36,239
Speaker 1: than they were for the summer visit, so we wound

1129
00:55:36,280 --> 00:55:39,120
Speaker 1: up having a rather frugal family fun day, which I'm

1130
00:55:39,120 --> 00:55:41,560
Speaker 1: always a fan of. Anyway, this has been best at

1131
00:55:41,600 --> 00:55:44,240
Speaker 1: both worlds. We've been talking our money stories, so tune

1132
00:55:44,239 --> 00:55:46,080
Speaker 1: in next week for more on making work in life

1133
00:55:46,120 --> 00:55:52,640
Speaker 1: fit together. Thanks for listening. You can find me Sarah

1134
00:55:52,800 --> 00:55:56,560
Speaker 1: at the shoebox dot com or at the Underscore Shoebox

1135
00:55:56,640 --> 00:56:00,439
Speaker 1: on Instagram, and you can find me Laura at Laura

1136
00:56:00,520 --> 00:56:03,719
Speaker 1: vandercam dot com. This has been the best of both

1137
00:56:03,760 --> 00:56:07,279
Speaker 1: worlds podcasts. Please join us next time for more on

1138
00:56:07,400 --> 00:56:09,320
Speaker 1: making work and life work together.