Speaker 1: Welcome to How the Money. I'm Joel and I am Matt,
Speaker 1: and today we're discussing rules for mindful spending, mindful of spending. Man,
Speaker 1: I am glad we're gonna be talking about that this episode.
Speaker 1: You know, a lot of that has to do with
Speaker 1: being intentional with your money, with what you're spending your
Speaker 1: money on. It's good to be intentional in all areas
Speaker 1: of your life. But I feel like lately you and I,
Speaker 1: I don't know, we've been having some discussions lately just
Speaker 1: being intentional with our time, the energy that we give
Speaker 1: towards our kids. Yeah, and it's no different when it
Speaker 1: comes to our money. So we're also gonna be talking
Speaker 1: about sales, how they may not be the best thing
Speaker 1: for you or you know, depending on how you view sales.
Speaker 1: That's fighting words for some people. You know, some people
Speaker 1: love a good sales sale, right, and they will fight
Speaker 1: you to the bitter end to let you know how
Speaker 1: important it is to buy things on sale. And I'm
Speaker 1: not against it all together, but that'll be kind of
Speaker 1: an interesting thing to get into in this episode, Matt.
Speaker 1: Before we kind of get into it, I wanted to
Speaker 1: ask you a question, kind of a frugal or cheap question?
Speaker 1: Would you buy a mattress off of Facebook yard sale site?
Speaker 1: Like would you go there and buy a used mattress
Speaker 1: from somebody? Okay, so Joel, you're asking me this question,
Speaker 1: which tells me that you don't know the story about
Speaker 1: when Kate and I got a mattress off Facebook? Did
Speaker 1: you know that? I don't think I do that. Wait,
Speaker 1: I knew you guys have a used hand me down mattress,
Speaker 1: and and so do we. But we actually, I guess
Speaker 1: kind of third hand knew the folks that we got
Speaker 1: it from. Well, okay, so that's sort of our situation,
Speaker 1: but it was second hand knowing through Facebook. It popped
Speaker 1: up on Facebook, and it was a girl that I
Speaker 1: knew in college, which sounds kind of weird, but her
Speaker 1: and I we were in some classes together and the
Speaker 1: journalism school. We're Facebook friends. And then turns out they
Speaker 1: live in Atlanta, in a nearby neighborhood and they posted
Speaker 1: a really nice mattress like it was one of those
Speaker 1: fancy one air sleeper two thousand uber fancy you know
Speaker 1: what I'm talking about. Oh yeah, And so I thought
Speaker 1: this is kind of weird, but is it kind with
Speaker 1: the remote in it, you can like sit up in
Speaker 1: it because those look awesome. No, no, I wish. Actually
Speaker 1: I kind of don't wish because I feel like those
Speaker 1: are just bound to break and it's sucking, right, you know.
Speaker 1: I always chalk those up to me and for old people.
Speaker 1: But I don't think it's a case anymore. And I
Speaker 1: would totally rock. I'll be able to sit in bed
Speaker 1: and read I do it. That would be nice. Yeah, anyway,
Speaker 1: But I ran over there and it turns out they
Speaker 1: actually live the next door to some good friends of
Speaker 1: ours as well, and so they know them. And so
Speaker 1: because that it felt less weird. I guess it's like, Okay,
Speaker 1: I know you from college, you guys from college, and
Speaker 1: also your next door neighbors to some friends of ours,
Speaker 1: it still felt weird. So because it was in such
Speaker 1: good shape though, the mattress was in really good shape,
Speaker 1: and because of that, that's currently still the mattress that
Speaker 1: Kate and I sleep on. So, if you didn't have
Speaker 1: a connection where you knew the person, would you buy
Speaker 1: a mattress from someone in the neighborhood. I totally rando
Speaker 1: a random person off the r tail site. Man, I
Speaker 1: don't know that's that's such a hard question because you
Speaker 1: can't go over there and like look at it and say, oh,
Speaker 1: it looks kind of stained or oh it smells weird,
Speaker 1: right like once you go over to it to get it.
Speaker 1: I don't know. I think you can. I think I would.
Speaker 1: I think that you can shop it and give it
Speaker 1: a sniff. I think i'd have to say, I'm backing
Speaker 1: out of this one. It looks a little wonky, like
Speaker 1: I'm not in Okay, wait how much is it? Though?
Speaker 1: So mine was free? Okay, Like ours was totally free.
Speaker 1: So I felt like if I was going over to
Speaker 1: pick it up, I had to pick it up. You know. Yeah,
Speaker 1: if you're paying money, it's a different story. Well, I
Speaker 1: don't know. I saw one the other day on there
Speaker 1: is a king size bed. They said it was three
Speaker 1: months old and for bucks with the platform that goes
Speaker 1: underneath it, and so I was like, it's like a
Speaker 1: good deal man. I was like, that's a good deal.
Speaker 1: I think I might check this out. But then I
Speaker 1: got kind of the weird vibe. She was like, you're
Speaker 1: gonna have to pick it up tonight, but I'm not
Speaker 1: home until eleven. I was like, well, that's really weird.
Speaker 1: That's like late, and I pick up. I don't think
Speaker 1: I'm doing that, and then she's like, can you help
Speaker 1: me back this into the van? You go first, Yeah,
Speaker 1: slams the doors on you, and all of a sudden
Speaker 1: you're getting driven off to a rock quarry. Yeah, exactly.
Speaker 1: Who knows where I end up. So yeah, because of
Speaker 1: the weirdness, I refrained kind of out of the deal.
Speaker 1: But I think also actually mattresses have gotten cheaper with
Speaker 1: the foam the phone ones that, yeah, the ones that
Speaker 1: shipped straight to your door and stuff, and so you know,
Speaker 1: I'm planning on doing a little more research on that
Speaker 1: front because I think we would like a new mattress
Speaker 1: at some point in the near future. And I'm okay
Speaker 1: paying some money for something good because you sleep a
Speaker 1: fair amount on a bed, so your life, man the
Speaker 1: third of your life, so I think it is worth
Speaker 1: spending some money to to get a good one. Do
Speaker 1: you want to hear how I justified it with Kate,
Speaker 1: how we would go and get a free mattress from
Speaker 1: some raindo I knew in college? I told her I
Speaker 1: would I would tie it to the roof of the car.
Speaker 1: At the time, we had a station wagon and so
Speaker 1: I strapped it to the roof really tight, and then
Speaker 1: I got on the interstate and drove really fast, and
Speaker 1: you're like, that'll get rid of well, that'll help air
Speaker 1: it out a little bit, you know, like get rid
Speaker 1: of any funk, any sort of like you know, debris.
Speaker 1: I don't know stuff that by that I mean, I guess,
Speaker 1: so like like I drove fast and all the dust
Speaker 1: kind of stuff came out, and I'm telling you look
Speaker 1: really good, was in great shape. We sleep really well
Speaker 1: on it. Man. That's all I can say. All right,
Speaker 1: sounds good. Well, I'm glad you're enjoying your free mattress.
Speaker 1: I will say, though, at some point and then to
Speaker 1: just in future, I will spend money and actually finally
Speaker 1: get us a decent adult mattress, because we're still rocking
Speaker 1: the free one as well. But for now, let's mention
Speaker 1: the beer that we're having on the show. We're drinking
Speaker 1: National Cherry Blossom Festival by Old Ox Brewery. And this
Speaker 1: is a beer brought to us by our friend Andrew
Speaker 1: that you mentioned Old Ox Brewery. This is kind of
Speaker 1: I guess on the outskirts of DC, maybe like a
Speaker 1: an ex herb as Andrew, our buddy, likes to often say, uh,
Speaker 1: this is a collaboration though with a national cherry blossom festival.
Speaker 1: They made this beer with them, and they say a
Speaker 1: portion of the sales benefit the National Cherry Blossom Festival.
Speaker 1: So it's pretty cool. I like cherry blossoms. It's the
Speaker 1: next time of year, right when the when those come around,
Speaker 1: And we'll discuss our thoughts on this beer at the
Speaker 1: end of this episode. But for now, Matt, let's get
Speaker 1: to the topic at hand, rules for mindful spending. And
Speaker 1: it turns out that we all waste money. You met
Speaker 1: waste money, Matt. I waste money sometimes, but not on mattresses,
Speaker 1: but not on mattresses. Have never wasted money on a mattress.
Speaker 1: We're just grossing out all of our listeners talking about mattress.
Speaker 1: Just let's just stop. So we're probably cheap. I think
Speaker 1: that that most people will agree on on this front. Yeah, yeah,
Speaker 1: but often we are more wasteful when we're feeling tired
Speaker 1: or lazy, and being aware of some of the ways
Speaker 1: that money flies out of our lives can help us
Speaker 1: realize when it's happening so that we can change our habits.
Speaker 1: There's a minimalist writer named Joshua Becker, and he wrote
Speaker 1: on a blog that mindless consumption turns into excessive consumption.
Speaker 1: And I think he's spot on with that, Matt, that
Speaker 1: when we begin to spend on things without thinking about it,
Speaker 1: we begin to be people that overspend. And that's a
Speaker 1: problem in our culture, that's a problem in many of
Speaker 1: our own personal lives. And I think there's a lot
Speaker 1: that we can talk about in this episode that can
Speaker 1: help people find some rules to implement when it comes
Speaker 1: to how they spend their money and doing so in
Speaker 1: a more thoughtful way. Yeah, Joe. And the first thing
Speaker 1: that's worth noting, right, is that, contrary to popular belief
Speaker 1: that like, we're not against spending money, but we want
Speaker 1: to make sure that we're spending money on the things
Speaker 1: that matter. What we hate is that mindless consumption, Right, Like,
Speaker 1: I've got a cargo bike that costs two thou dollars.
Speaker 1: I love that thing, I write it daily, and I
Speaker 1: gather a whole lot of joy and utility from that thing. Like,
Speaker 1: but two thousand dollars that is a lot of money.
Speaker 1: And I think a lot of folks listening to this
Speaker 1: would say, Mande's not gonna spend anything on a mattress,
Speaker 1: but he's gonna spend two thousand dollars on a bicycle.
Speaker 1: That seems crazy or unbalanced. But for me, spending that
Speaker 1: kind of money on a bike, right, a bike that
Speaker 1: I would not be able to get for free, is
Speaker 1: something I am more than willing to do. That I'm
Speaker 1: happy to do, and it's something that I did very deliberately,
Speaker 1: with a whole lot of thought. Yeah. So a good
Speaker 1: way to kind of take stock as we get into
Speaker 1: this topic is to take a look at your recent purchases.
Speaker 1: Maybe check out the last ten Amazon orders that you made.
Speaker 1: Are you using those items that you purchased? Would you
Speaker 1: purchase those items again? You know, it reminds me, Matt,
Speaker 1: thinking of of those last ten purchases I made of
Speaker 1: a purchase probably like ten thousand purchases ago, that I
Speaker 1: made when I was in middle school. I bought a
Speaker 1: second Dreamcast off off a friend nice and so he
Speaker 1: came with all these games and the Dreamcast I think
Speaker 1: was probably the least successful gaming system ever made. Maybe
Speaker 1: I don't know. I don't think it did very well,
Speaker 1: but I had a lot of fun with it. For
Speaker 1: for a few days. But I just remember that pretty
Speaker 1: much all my savings went into that one purchase, buying
Speaker 1: that seg of Dreamcast, and honestly just didn't move the
Speaker 1: needle in in the ways that I had hoped when
Speaker 1: I was a kid. And I remember wishing that I
Speaker 1: had money to do other things that summer, but I
Speaker 1: had blown all my funds on that stupid gaming system
Speaker 1: to play that crazy taxi game, and uh, and so
Speaker 1: it was just looking back, like, I don't know, I
Speaker 1: kind of keep that in my mind when I'm making
Speaker 1: purchases now, like is it gonna end up being a
Speaker 1: purchase that feels like that Dreamcast moment? Or is it
Speaker 1: going to be a purchase that I feel like I'm
Speaker 1: actually going to use and implement into my life for
Speaker 1: the days and weeks to come, And and running it
Speaker 1: through a filter like that for me helps to truly
Speaker 1: go back to my middle school self and say, I'm
Speaker 1: I actually going to use this or am I gonna
Speaker 1: be bored with it in a few days or weeks?
Speaker 1: And and I try to avoid purchases like that. And
Speaker 1: I think going through your recent purchases, your recent purchase history,
Speaker 1: can help you as you attempt to make better stock
Speaker 1: of future purchases. Joe, I love that the Sega Dreamcast.
Speaker 1: I don't even know what a Dreamcast is. Like I
Speaker 1: know what a Sega Genesis was. I guess it was.
Speaker 1: It was after the Genesis, Like, I guess it was
Speaker 1: just a non fun Sega. Yeah, it had a couple
Speaker 1: of cool games, but it never took off because yeah,
Speaker 1: they just I don't think they had enough variety or
Speaker 1: enough good games to justify its existence. So that's the
Speaker 1: what though, Like looking at what you're purchasing, the next thing,
Speaker 1: the next filter to kind of run your purchases through
Speaker 1: is why. Ask yourself why do you spend money? Like
Speaker 1: why are you spending money? And try to identify the
Speaker 1: triggers that might be causing you to spend your money.
Speaker 1: You know, in those instances, you can either sort of
Speaker 1: fight those urges and be super disciplined, or you can
Speaker 1: just remove those triggers altogether. But I think a lot
Speaker 1: of times folks think, well, no, we I shouldn't just
Speaker 1: remove those triggers. I should try to beat it. I
Speaker 1: should be disciplined enough to to kind of conquer that.
Speaker 1: But in the end, if the results are what matter.
Speaker 1: We'll just do what you need to do to achieve
Speaker 1: the results. Do what you need to do to spend
Speaker 1: less money. And I think sometimes willpower can be overrated.
Speaker 1: Essentially making the decision ahead of time for yourself as
Speaker 1: opposed to trying to fight it in the moment. It's
Speaker 1: so much easier, right, So if you're smart to fight
Speaker 1: it ahead of time when you aren't in the moment.
Speaker 1: Oh yeah, just like you said, like it's it's not
Speaker 1: an incorrect way of doing it, it's probably like the
Speaker 1: most smart and efficient way to do it. Yeah, it
Speaker 1: prevents you from having to make a more difficult decision
Speaker 1: when you're in the heat of the moment and you
Speaker 1: want to hit click, or you're at the store and
Speaker 1: you want to buy some stuff. Well, taking into consideration
Speaker 1: like what makes you spend, why you end up making
Speaker 1: purchases that you regret later on, and doing that hard
Speaker 1: work up front can save you getting to that point
Speaker 1: where you are making crazy purchases that you shouldn't be making.
Speaker 1: And it makes me kind of think of like QVC shoppers,
Speaker 1: and I don't want to lump them all in one category,
Speaker 1: but I've just heard way too many examples of You're
Speaker 1: not all terrible people, right, I'm sure there are fine
Speaker 1: people that shop on QBC. But I've just heard in
Speaker 1: particular of older people that live alone, they watch a
Speaker 1: lot of QVC and they end up buying a lot
Speaker 1: of things with money that they don't have. And I
Speaker 1: think if we can even just take stock of kind
Speaker 1: of those emotional reasons potentially that cause us to feel
Speaker 1: a certain way, or that trigger a mood for spending
Speaker 1: or a desire to satisfy ourselves in a way, I
Speaker 1: think those are the kind of steps necessary to take
Speaker 1: in order to make sure that we become mindful spenders. Yeah. Man,
Speaker 1: you know a simple example I'm thinking of is when
Speaker 1: you go to the grocery store and you're hungry. Folks
Speaker 1: tend to make decisions based on how they feel in
Speaker 1: the moment about what they're purchasing. Well, it's not that
Speaker 1: difficult to make the decision ahead of time to to
Speaker 1: go to the grocery store and make sure you have
Speaker 1: something already in your stomach, because if you don't judge me,
Speaker 1: I needed those four packs of bacon. Okay, I did
Speaker 1: I need it. But again, that's just a simple step.
Speaker 1: It's it's something a parameter that you set there for yourself,
Speaker 1: and it's like, Okay, I don't go to the grocery
Speaker 1: store at eleven thirty on a Saturday, because by the
Speaker 1: time you get there, it's like twelve and by the
Speaker 1: time you're you know, in a certain aisle, twell thirty
Speaker 1: and I start getting hungry at yeah, exactly. So it's
Speaker 1: it's good to set rules like that and have those
Speaker 1: in place. Yeah, it's also important to ask yourself, who
Speaker 1: are you making purchases for? Are you making purchases because
Speaker 1: other people around you are are doing something, are living
Speaker 1: in a certain way. I think it's easy for us,
Speaker 1: especially in an age of Instagram and photos in front
Speaker 1: of us all the time, seeing what other people are doing,
Speaker 1: what they're taking in, how great their lives are. Because
Speaker 1: they're showcasing just the best parts of what's actually happening.
Speaker 1: It's easy for us to justify purchases because, uh, we
Speaker 1: see how other people are living their lives, and you
Speaker 1: have to ask yourself, how has that worked out for
Speaker 1: you in the past. Has that led to not having
Speaker 1: any money in the bank in your emergency account when
Speaker 1: an actual need arises because you are spending most of
Speaker 1: what comes in asking those questions what, why, and who
Speaker 1: are just really helpful in formulating good ground rules for
Speaker 1: mindful spending in your life. Yeah, Joel, and quickly, you know,
Speaker 1: like talking about the who makes me think of high schoolers. Right.
Speaker 1: I thought you're gonna say the band, the Who, the Doors,
Speaker 1: the Who, the Beatles. Those are bands we don't know
Speaker 1: anything about. We're too young, It's true. But I think
Speaker 1: about like high schoolers. Do you think of, Oh, I'm
Speaker 1: doing this because like of social pressures and stuff like, oh,
Speaker 1: I need to get this kind of phone because you
Speaker 1: know the quote unquote cool kids, that's the phone that
Speaker 1: they're getting, or play hacky sack. But I think this
Speaker 1: also applies to adults, like even college big purchases, not
Speaker 1: just like small little stuff. But I think a lot
Speaker 1: of times there's social pressures and a desire to conform
Speaker 1: to like what other people are doing. That can range
Speaker 1: from students, so you know, with like little gadgets all
Speaker 1: the way to like big expenses like adults. He might
Speaker 1: even feel pressured to go on a fancy trip that
Speaker 1: maybe you can't even afford. Like you said, there might
Speaker 1: be a real emergency in your life. I just won't
Speaker 1: feel like it's worth noting that it can span all
Speaker 1: ages and it's not just something that like, oh, that's
Speaker 1: just something that kids feel. Yeah, you can see that
Speaker 1: in kids more clearly because we're we're adults and we
Speaker 1: can kind of see the dumb things that kids do.
Speaker 1: But it's something that we all deal with, and often
Speaker 1: I think it's it is worth it to ask ourselves
Speaker 1: that very question and to sort of question our motives.
Speaker 1: I think it's so true. I think there are these
Speaker 1: things that we do, these spending choices that we make
Speaker 1: that become baseline level of decisions in our lives that
Speaker 1: we don't even realize we can act because they feel
Speaker 1: so normal and everyone around us is doing it right,
Speaker 1: and we don't even question them because they do feel
Speaker 1: like this thing that isn't even possible to eliminate because
Speaker 1: it's just so pervasive in the world that we see
Speaker 1: around us. Sort Of on the flip side of that
Speaker 1: is being intentional with our spending right, and that feels amazing,
Speaker 1: Like that feels really good. Mindful spending and making a
Speaker 1: solid purchase is a great feeling. However, impulse spending, that's
Speaker 1: what makes you feel like you have a hangover. We've
Speaker 1: got an episode right where we talk about the holiday
Speaker 1: shopping hangover. Oftentimes, what a company is that spending as
Speaker 1: well are large amounts of debt. And when you don't
Speaker 1: feel that you're in control of your spending and you're
Speaker 1: just being you know, pulled along by your credit cards,
Speaker 1: well that's when you wake up the next morning and
Speaker 1: regret those financial decisions that you've made, no doubt, buddy.
Speaker 1: All Right, So we're gonna get to some thoughts on
Speaker 1: how to plug those spending leaks, and also an interesting
Speaker 1: discussion on sales and how they affect our spending. We'll
Speaker 1: do that right after the break, Okay, Jill. Before we
Speaker 1: talk about, you know, those spending leaks, we need to
Speaker 1: talk about the big spending, the big ticket items, and
Speaker 1: the bulk of our spending goes to three main categories, housing, food, transportation.
Speaker 1: We've done whole episodes on these, and you know, it
Speaker 1: really may not feel like wasteful spending because you truly
Speaker 1: need a place to live, you need you know, you
Speaker 1: need to eat food, and you need to get from
Speaker 1: one place to another. These are bigger topics that have
Speaker 1: earned their own episode. But don't leave those stones unturned,
Speaker 1: in particular, when we get to the rules that we're
Speaker 1: gonna sort of implement here at the end of the episode.
Speaker 1: You know, I like a good rule, Matthew. And it's
Speaker 1: not that those bigger categories aren't important, but I feel
Speaker 1: like the small things is is where the leaks kind
Speaker 1: of arise in our lives. Those spending leaks add up.
Speaker 1: Matt There's this thing that my mom used to always
Speaker 1: tell me. I can't remember exactly what it was now,
Speaker 1: it was basically essentially that all these small things add up, right,
Speaker 1: and they're all really important. And I kind of was like, whatever, Mom,
Speaker 1: I hear you, but I don't care. When I was
Speaker 1: a kid. I think it's the lyrics from All the
Speaker 1: Small Things song, Remember that one? Oh yeah, Yeah, that's
Speaker 1: that's probably what that's gotta be. Yeah, that's why she
Speaker 1: was referring to. But yeah, I think she was right.
Speaker 1: All the small things do add up. But that's just
Speaker 1: not how we like to approach our spending. Oftentimes, we
Speaker 1: don't think about the small things nearly as much as
Speaker 1: we should, and I feel like we actually need to
Speaker 1: kind of recapture that belief that a penny saved is
Speaker 1: a penny earned, and that the small stuff does add
Speaker 1: up in more ways than one, right, It adds up
Speaker 1: and how much money is going out of your account
Speaker 1: and also adds up in how much clutter is encompassing
Speaker 1: your house. And our culture can be so frenzied when
Speaker 1: it comes to like shopping for sales fifty off, sixty
Speaker 1: percent off Black Friday, all that kind of stuff. I
Speaker 1: think that's one of the ways in which spending leeks arise,
Speaker 1: don't you think, Matt, Yeah, man, absolutely, you know, just
Speaker 1: the very fact that a sale exists can be a
Speaker 1: trigger for somebody like they hear, oh yeah, they're sixty
Speaker 1: percent off sale, Like that's fantastic. I'm gonna go spend
Speaker 1: money that I wasn't planning on spending to begin with.
Speaker 1: But it's a deal exactly. And I gotta say, man,
Speaker 1: this is what I fell prey to earlier on in
Speaker 1: my life. I was thoughtful with my money, but that
Speaker 1: was the thing that got me, the sales. It was
Speaker 1: the sales. It was like, oh, well, how it will
Speaker 1: never be this price again. I have to make the purchase.
Speaker 1: I have to buy that because because it's cheaper than
Speaker 1: it's ever been before. And you know, the best way
Speaker 1: truly to save off something is by saving of your
Speaker 1: money and not buying that at all. And of sometimes
Speaker 1: those kind of purchases can fall under the category of shopping, right,
Speaker 1: and so like shopping is the act of perusing looking
Speaker 1: for stuff to buy, essentially, and if you happen to
Speaker 1: see a sale, sweet, then you pounce, you know, like
Speaker 1: you see that there's a deal. But what we want
Speaker 1: to do instead is to intentionally seek out a deal
Speaker 1: because you've identified a need or at least a very
Speaker 1: strong want, Like you're not just going through the motions
Speaker 1: of looking to spend money. You know that this is
Speaker 1: something I now need to purchase because I've again identified
Speaker 1: a need or something's broken, and then moving forward with
Speaker 1: that purchase. Like let's take, for instance, matt the mattress
Speaker 1: that we mentioned earlier, right, and I think, you know,
Speaker 1: I'm thirty five years old, I'm kind of ready for
Speaker 1: a non hand me down mattress, and I'm starting to
Speaker 1: do the research, and so you know what if a
Speaker 1: sale pops up after I kind of know what I'm
Speaker 1: looking for, well, I'm more than happy to buy it
Speaker 1: at a discount, but I'm not ready just to pounce
Speaker 1: on on a mattress before I know what I'm getting into,
Speaker 1: and so I think, yeah, that's kind of a helpful way,
Speaker 1: at least for me to frame it is. You know what,
Speaker 1: this is already on my radar, and that's very different
Speaker 1: than shopping for something based on the sheer price alone,
Speaker 1: with it not having been on your radar previously. Joel,
Speaker 1: And you know, a way that you can sort of
Speaker 1: remove sales from your mind, a way to get it
Speaker 1: off of your radar altogether, is to remove yourself from
Speaker 1: the different sale newsletters. Once you make a purchase from
Speaker 1: an online retailer, they have your email address, so they're
Speaker 1: basically going to constantly bum arg with marketing emails. You know,
Speaker 1: those sale algorithms are really good. They're always showing me
Speaker 1: exactly what i'd want. Yeah, man, it's so true. And
Speaker 1: it's the thing that I didn't realize that I quote
Speaker 1: unquote needed until I actually saw it, and then it's like,
Speaker 1: I totally have to have that in my life. And
Speaker 1: it's really hard to be a mindful spender when that
Speaker 1: stuff is being shoved in front of your face constantly, constantly, Right,
Speaker 1: it's so much easier to shut it down, like we
Speaker 1: talked about earlier, if you remove it from your life altogether. Right, So,
Speaker 1: if you're not even getting that email into your inbox,
Speaker 1: it's much easier to curb that spending. But once it
Speaker 1: hits your inbox, once you open it, once you're perusing
Speaker 1: that sale, once you're looking through for stuff that does
Speaker 1: look cool or interesting or whatever it may be, that's
Speaker 1: when it becomes really hard to shut it down. In progress. Yeah,
Speaker 1: as you're looking at it, you think, man, they totally
Speaker 1: know me. That's totally my aesthetic. And now lately do
Speaker 1: Instagram ads. They are so stink and creepy because they
Speaker 1: know things that I have only thought. I swear there's
Speaker 1: things that I have not even said out loud. I
Speaker 1: only think them. And I think we've talked about this before.
Speaker 1: But then the next day, guess what shows up in
Speaker 1: my Instagram feed and add for the very thing that
Speaker 1: was only in my brain the day before. It's weird.
Speaker 1: It's weird, man, it's weird. But Gmail makes it really
Speaker 1: easy to unsubscribe from these emails, you know, like they've
Speaker 1: got who it's from, and then right next to it
Speaker 1: it says unsubscribe and so on. Those newsletters. If you
Speaker 1: want to manually make sure you're removing yourself from those,
Speaker 1: that's an option. But if you're looking for a one
Speaker 1: stop shop, also check out unrolled dot me. This is
Speaker 1: a site where basically you give it access to your
Speaker 1: email and there's a little bit of a privacy concerned
Speaker 1: They say they're only concerned with the commercial like retail
Speaker 1: style emails that you're receiving, but fact is they have
Speaker 1: access to all of your emails. So if you're, you know,
Speaker 1: more concerned about privacy, that may not be for you,
Speaker 1: but that can be a very easy one stop shop
Speaker 1: where you can go in there and just unsubscribe from
Speaker 1: all of them all at once. Yeah, that's pretty slick.
Speaker 1: Another thing we should think about is kind of what
Speaker 1: spending we have that's automated, So money that's coming out
Speaker 1: of your accounts every month that you've forgotten about you
Speaker 1: have to stop up flow, and that takes a little
Speaker 1: bit of intentionality and being proactive. For example, maybe you're
Speaker 1: still paying a cable bill. I don't know. I bet
Speaker 1: you that some of our listeners, Matt are still signed
Speaker 1: up for cable and they're paying more than they know,
Speaker 1: or they don't even know what they're paying every month.
Speaker 1: Maybe you have an Amazon Prime subscription and you're just
Speaker 1: not getting enough use out of it. Maybe you're paying
Speaker 1: for multiple streaming accounts and really you only use one.
Speaker 1: Maybe you have monthly bank fees that you're not sure
Speaker 1: even what you're paying, or an annual credit card fee
Speaker 1: and you don't even need that credit card. I mean,
Speaker 1: there are all these sorts of things that are coming
Speaker 1: out of your account every month or every year. They
Speaker 1: are all sorts of things that you're spending money on
Speaker 1: that get automated, and it's just really easy to let
Speaker 1: those things go and not question them and not start
Speaker 1: making proactive choices to change where your money goes. And
Speaker 1: so it's really important to take a look at the
Speaker 1: spending choices that you have automated and seeing which services
Speaker 1: or subscriptions that you can opt out of. Yeah, Jill,
Speaker 1: you know, this makes me think of a whole sort
Speaker 1: of other category of spending that at I like to
Speaker 1: call either wishful spending or optimistic spending, which is like
Speaker 1: the gym membership. It's spending that you do and you
Speaker 1: know that I'm not you know, like I'm not going
Speaker 1: to the gym all the time right now. But if
Speaker 1: I keep that expense there, I think it will change
Speaker 1: my behavior, it'll force me to go exactly, But in reality,
Speaker 1: you never end up changing your behavior. And because it's
Speaker 1: not this massive expense, you kind of keep it around
Speaker 1: and it kind of becomes this pet and you get
Speaker 1: to three or four those and before you know, you're
Speaker 1: spending hundreds of dollars every single month on something that
Speaker 1: you're not taking advantage of, whether it be museums or
Speaker 1: an audible subscription, just you know, something like that where
Speaker 1: you think, well, I'm going to do more of this
Speaker 1: in the future, but in reality, like you don't have
Speaker 1: the time for it now. Like if you don't have
Speaker 1: the time for it now, like will you really make
Speaker 1: time for it in the future. Maybe you will, but
Speaker 1: you know, it's definitely something worth considering. So Mats advice
Speaker 1: be a little more pessimistic. I like it, Matt pestimistic spending,
Speaker 1: all right, So we'll get into some specific ways to
Speaker 1: zero in on that spending that gets automated every month
Speaker 1: and how you can fight that spending in your life,
Speaker 1: as well as some specific rules that we think will
Speaker 1: be really helpful as you attempt to lower the amount
Speaker 1: of money that you're spending so you can keep more
Speaker 1: of it for yourself. We'll get to that right after
Speaker 1: the break. Al Right, be'st buddy Automated spending right now,
Speaker 1: we're gonna talk about ways to dial that back. In
Speaker 1: order to do that, you need to make sure that
Speaker 1: you are tracking your expenses. Uh. There's a site called
Speaker 1: ask trim that purports to help you find wasteful spending.
Speaker 1: That's another one of these sites that you have to
Speaker 1: give access to your information and they take a big
Speaker 1: cut when they do find you savings. Yeah, it's not awful.
Speaker 1: It's not ideal, Yeah, exactly. You know, man, we prefer
Speaker 1: just a more manual approach, which is by budgeting and
Speaker 1: tracking your expenses. You need a budget or win nab
Speaker 1: for short, is a helpful way for you to see
Speaker 1: all your spending in one place. Pretty much, any budget
Speaker 1: or expense tracker or software will help you to prioritize,
Speaker 1: to save, and to budget. We've talked with some listeners
Speaker 1: who've used dollar Bird. We've talked about them before, Joe
Speaker 1: on the on the podcast. It's that app that organizes
Speaker 1: your expenses by category, but you have to manually enter
Speaker 1: it in. But I know that that's something that you
Speaker 1: sort of take this sort of guilty joy in doing,
Speaker 1: like manually paying your bills, manually entering things in so
Speaker 1: that you feel the pain. You know, it's so easy
Speaker 1: to make purchases these days, and when you have to
Speaker 1: actually document it and rub your own face in your
Speaker 1: own mess a little bit, it kind of causes you
Speaker 1: to think twice about it versus it just being this
Speaker 1: one and done thing that you never have to revisit. Yeah,
Speaker 1: you know instantly enough. On a recent episode where we
Speaker 1: talked about cutting your monthly energy bills, I talked about
Speaker 1: how I manually set my thermostat and I don't have
Speaker 1: one of these nest learning thermostats like you have, which
Speaker 1: which are really cool, but I actually like to go
Speaker 1: and move it up myself. And and some days during
Speaker 1: the summer, right were trying to not let the air
Speaker 1: run at all during the day. We'll bump it up
Speaker 1: to eighty two or eighty three even, that's what we've
Speaker 1: been doing lately. It's crazy. We'll just let it get
Speaker 1: super hot of there because the doors are open, the
Speaker 1: kids are running in and out, and we just don't
Speaker 1: want the A C. Running while the doors are open,
Speaker 1: like they just feel so wasteful. And you know, when
Speaker 1: we sit down at dinner, we turn on the A
Speaker 1: C boom it's running. We feel cool while you know,
Speaker 1: while we're eating, and we let it run, you know,
Speaker 1: while we're sleeping too. And so that physical act of
Speaker 1: me doing it. We had a listener right in and say,
Speaker 1: that's so dumb, dude, just you should automate some more things.
Speaker 1: And that's probably true, Like I should probably be a
Speaker 1: little bit better at automating some things in my life.
Speaker 1: But there's something at least for me and my personality
Speaker 1: type about viscerally seeing it and being engaged with the thermostat,
Speaker 1: being engaged with a bill that comes in the door,
Speaker 1: and having to face it, having to look at it. It.
Speaker 1: Actually it changes my behavior and for me, that's really important.
Speaker 1: That is part of the way that I'm able to
Speaker 1: spend and live a little more mindfully is by tactfully
Speaker 1: and actively engaging with the things around me, whether it's
Speaker 1: my thermostat or my electricity bill. Yeah, man, that's so good.
Speaker 1: I think it's good that you've identified something that works
Speaker 1: for you. Uh, And I think that's so important is
Speaker 1: to folk us and do the things that work for
Speaker 1: you as an individual. But you know, when it comes
Speaker 1: to tracking your expenses as well, like you don't have
Speaker 1: to use a fancy app. It can just be an
Speaker 1: Excel file or Google sheets like something where you are
Speaker 1: just tracking those expenses. It can even be this thing
Speaker 1: called pencil and paper. I have ever heard of that.
Speaker 1: That's what my friend Mindy does. She's literally got this
Speaker 1: early book on her kitchen counter and when she walks
Speaker 1: into the house, she breaks out a receipt and writes
Speaker 1: down what she got it down real quick. And so
Speaker 1: it's just it's pen and paper. Man, it's old school.
Speaker 1: I like that too. But yeah, like the whole idea
Speaker 1: behind tracking your expenses here is to basically give yourself
Speaker 1: a snapshot, because if you don't know where your money
Speaker 1: is going, then you can't make those adjustments and you
Speaker 1: can't make those cuts to that automated spending. All right,
Speaker 1: So let's get to kind of maybe some of the
Speaker 1: rules that you can implement before you spend money that
Speaker 1: will help you decide whether it's a wise purchase or not.
Speaker 1: And so the first thing you need to think about
Speaker 1: is some of those points that we actually mentioned at
Speaker 1: the beginning of the episode, which are things like what
Speaker 1: am I buying? What I buy it again? Why am
Speaker 1: I spending this money? And who am I buying this for?
Speaker 1: Am I making this purchase just to impress the people
Speaker 1: around me or just to live like the people around me?
Speaker 1: Running a purchase through those filters? It's just really helpful
Speaker 1: you have a quick example kind of going back to
Speaker 1: the why am I spending this money? You know, we
Speaker 1: talked about identifying those triggers. I thought of when Kate
Speaker 1: and I we went on a road trip. We drove
Speaker 1: up to New York City, and we knew that we
Speaker 1: along the way, we're gonna be attempted to stop at
Speaker 1: tons and tons of fast food because it's a pretty
Speaker 1: big road trip, and we identified that ahead of time.
Speaker 1: So instead of trying to fight that in the moment,
Speaker 1: guess what we had there in the car Snacks exactly.
Speaker 1: We had tons of snacks. We had had not pistachios
Speaker 1: that would have been good. We had almonds, we had
Speaker 1: some fruit, but we had a hole off of bread
Speaker 1: and peanut butter and jelly, and Kate sat there and
Speaker 1: made us sandwiches and we just drove right past the
Speaker 1: Chick fil A's, and there's other restaurants that we wanted
Speaker 1: to stop at because we were going to New York
Speaker 1: where we had already planned out some of the nicer,
Speaker 1: expensive restaurants that we really wanted to spend our money
Speaker 1: on while we're on that trip. So that's just a
Speaker 1: quick example of how we were able to think just
Speaker 1: a little bit ahead and avoid spending money on these,
Speaker 1: you know, mediocre to average fast food restaurants and instead
Speaker 1: kind of keeping our eyes set on the prize, which
Speaker 1: was amazing Ramen that we had mapped out all across
Speaker 1: the city. Well, I like that. The only thing I
Speaker 1: dislike about what you just said is Chick fil A
Speaker 1: and mediocre, Like that's not accurate. But but for the
Speaker 1: most fans of Chick fil A, it's delicious, diet, stink,
Speaker 1: and chicken. I do agree with you, though. Another thing
Speaker 1: that can be really helpful before you decide to buy
Speaker 1: something is to organize the things that you already have.
Speaker 1: You know, there's no need to buy something if you
Speaker 1: already have it, and we tend to have more enjoyment
Speaker 1: of the things that we have if we know exactly
Speaker 1: where they are. So Emily and I Matt the other
Speaker 1: day were reorganizing our launch room area that's where all
Speaker 1: my tools are and kind of some of our miscellaneous items,
Speaker 1: and it turned out we had so much packing tape
Speaker 1: it wasn't even funny. And that was why that's such
Speaker 1: a random thing. I feel like to have it. It
Speaker 1: is it is. I don't I don't know why there's
Speaker 1: so much packing tape, but I guess we we were
Speaker 1: out of packing tape, and because it wasn't well organized,
Speaker 1: we purchased some more. And and it turns out we
Speaker 1: had some already and so we just have more than
Speaker 1: we need for probably the next twenty years um. And
Speaker 1: so it was really helpful to get organized so that
Speaker 1: we know where it is. It's easy to find, it's
Speaker 1: easy to see, and it just makes us feel better
Speaker 1: about our space and what we have, and it just
Speaker 1: makes everything a little more usable and user friendly. And so, yeah,
Speaker 1: anyway that you can organize the things that you currently have,
Speaker 1: whether it's your wardrobe or your laundry room, that's gonna
Speaker 1: be helpful in curbing unnecessary spending in your life. Yeah,
Speaker 1: I can get behind like garnering more enjoyment out of
Speaker 1: using something when you know exactly where to find it
Speaker 1: and where to put it back when you're done with it.
Speaker 1: This makes me think of my grandfather, my grandpa up
Speaker 1: in Illinois keys like a hardcore superorganized kind of person.
Speaker 1: I think this is where some of my organizational roots,
Speaker 1: uh kind of stem from. I remember even seeing this
Speaker 1: as a little kid. But he's got this massive pegboard
Speaker 1: with all the tools on it. And not only do
Speaker 1: all the tools have their own specific spot where they go,
Speaker 1: but each tool has been outlined on the pegboard. That way,
Speaker 1: when you use the tool, you take it down and
Speaker 1: you're you're working and you think, oh no, like where
Speaker 1: does this go? Like if you can't spots exactly where
Speaker 1: it goes, or maybe you've pulled a few tools down
Speaker 1: and you can't remember exactly where it goes, well you
Speaker 1: can see exactly where it goes because there's an outline
Speaker 1: of that tool drawn on the pegboard with a sharpie.
Speaker 1: It's a little tip if you are into d I
Speaker 1: y ing your fixes at home and you've got a
Speaker 1: bunch of tools laying around, look into a peg board.
Speaker 1: I've got one of those actually down to my cross
Speaker 1: space as well. Baller move matts Grandpa. But they're not
Speaker 1: outlined though, so yeah, I gotta step it up. Yeah,
Speaker 1: you do need to step it up. Another filter that
Speaker 1: we need to run, I think everything through in order
Speaker 1: to spend mindfully is to think about the secondary cost
Speaker 1: of the items that we buy. Will it take up
Speaker 1: extra space? Will it take up extra mental energy having
Speaker 1: that purchase or having that recurring expense. Will that thing
Speaker 1: that we buy or spend our money on actually end
Speaker 1: up wasting our time? And I think those are interesting
Speaker 1: questions to ask ourselves when we make a purchase, because
Speaker 1: we don't think about that impact that it's going to
Speaker 1: make after the fact, and maybe we would make a
Speaker 1: different choice if we did. You have that mental energy towel.
Speaker 1: That makes me think of decision fatigue, which is one
Speaker 1: of the reasons that we love all these so much,
Speaker 1: is because you go in there and guess what, they
Speaker 1: don't have tons of options of all the different items
Speaker 1: that you need. They basically just have one or two options.
Speaker 1: And because of that, it makes it so incredibly easy
Speaker 1: to go in there, get what you need, get out.
Speaker 1: There's almost zero decision fatigue because it's just automatic, like
Speaker 1: you know exactly what you're gonna get and it's not
Speaker 1: something that you have to think about. Yeah, and that's
Speaker 1: why you wear a black turtleneck every day too, right, Yeah, exactly,
Speaker 1: just like the Rock in the eighties. You don't know
Speaker 1: what I'm talking about. Have you seen the picture of
Speaker 1: the Rock with like the black turtleneck and the fanti
Speaker 1: pack like leaning against the stairwell. No, I'll dude, you
Speaker 1: gotta look it up. It's classic. All right, I'll check
Speaker 1: it out. Maybe we'll post that picture in our show.
Speaker 1: I know you're talking about Steve Jobs, and that's like
Speaker 1: that's this thing, right, like the life optimization gurus where
Speaker 1: you just basically have the same outfit, but like that's
Speaker 1: the whole idea behind that is to minimize the number
Speaker 1: of decisions that you have to make every day so
Speaker 1: that you can focus on the things that you truly
Speaker 1: do when to spend your time and energy on. Yeah,
Speaker 1: and the things that we buy truly do have an
Speaker 1: impact on the mental space that we have, like like
Speaker 1: literally just decluttering kind of that tool laundry room area.
Speaker 1: For us, it's a good breath of fresh air when
Speaker 1: I walk back there. Now, are bikes are easier to
Speaker 1: get to? Yeah? You feel so good getting your bikes
Speaker 1: because you know exactly where they go when they're done,
Speaker 1: exactly to find them. Everything has its place, and you
Speaker 1: know what that organization is kind of a constant thing.
Speaker 1: I feel like it's hard to keep it in that
Speaker 1: pristine state for for a long long time, but every
Speaker 1: time we do it, it feels really good and and
Speaker 1: I think it actually really does kind of make us
Speaker 1: more mindful about what we spend. Another quick rule for
Speaker 1: mindful spinning jewel is to think about our purchases in
Speaker 1: life hours. We would encourage you to equate the cost
Speaker 1: of a good something that you want to purchase to
Speaker 1: the number of hours that you'd have to work in
Speaker 1: order to buy that gadget in order to buy that gizmo,
Speaker 1: and then to ask yourself before you purchase it, is
Speaker 1: this something that I would be happy to trade my
Speaker 1: time for? When you can start equating the things that
Speaker 1: you own with the amount of time that you have
Speaker 1: on the earth, which is kind of deep, I know,
Speaker 1: like I'm you know, we're talking about how much time
Speaker 1: that you're gonna live and stuff, but like it's true,
Speaker 1: if you are going to have to spend time to
Speaker 1: earn money to then purchase the things that you want.
Speaker 1: If you can cut out that middleman and equate instead
Speaker 1: that this item costs this much time instead of this
Speaker 1: much money, I think a lot of times that would
Speaker 1: cause us to rethink our purchases. Yeah. I think if
Speaker 1: you're looking at let's say, a new smartphone, and you
Speaker 1: realize that the cost of that new smartphone is going
Speaker 1: to cost you thirty seven hours let's say of work,
Speaker 1: well you might think, again, it's a lot of time man,
Speaker 1: about whether you actually need a new smartphone. Or secondarily,
Speaker 1: if you can get by with a smartphone that costs
Speaker 1: a heck of a lot less money and therefore a
Speaker 1: hey couple lot less of your work hours. So maybe
Speaker 1: you decide to opt for a really nice two dollar
Speaker 1: smartphone instead that only costs you eleven hours of your
Speaker 1: working life. I think setting up the scenario in that
Speaker 1: way helps us realize in a way the value of
Speaker 1: the money that we're spending, because we're recuating it directly
Speaker 1: to what it takes to get that money. So it
Speaker 1: makes a big difference for us if we think about
Speaker 1: it in the proper terms. And the last rule is
Speaker 1: to consider buying, used, or even borrowing something. There is
Speaker 1: a good chance that you could spend a lot less
Speaker 1: money buying used or even spending no money at all
Speaker 1: by borrowing something. Oftentimes, it is just so easy for
Speaker 1: us to hop on the computer, hop on Amazon or
Speaker 1: wherever it is that you buy things, find exactly what
Speaker 1: you're looking for, and just click that one click purchase button,
Speaker 1: and man, that's gonna show up in a day or two. Instead,
Speaker 1: just think about how much money you could save and
Speaker 1: how many relationships I would say that you would be
Speaker 1: able to deepen by asking a friend or a neighbor
Speaker 1: if there's something that you can borrow that they might have. Yeah,
Speaker 1: it's the path of least resistance, but it's not the
Speaker 1: best way for your dollars to flow, because more of
Speaker 1: them are going to flow out of your pocket if
Speaker 1: you spend in that way. And our friend Katie Woke Stanley,
Speaker 1: who came on the show I don't know, a couple
Speaker 1: of months ago. Her slogan, her motto is use it up,
Speaker 1: wear it out, make it do or do without. And
Speaker 1: I think that is a helpful way for us to
Speaker 1: think about our spending so that we can be mindful
Speaker 1: spenders as opposed to people who buy or whatever gets
Speaker 1: put in front of our faces by marketers, or advertisers
Speaker 1: or even our friends and neighbors. We need to realize
Speaker 1: that mindless consumption does turn into excessive consumption. And so
Speaker 1: if we can be mindful, well, we can save more
Speaker 1: of those hard earned dollars. We can think more about
Speaker 1: our future as opposed to just the here and now. Yeah, Joel,
Speaker 1: in that episode with Katie was episode number seventy two,
Speaker 1: and that kind of dovetails nicely with this episode. So
Speaker 1: if you haven't listened to that one, check it out
Speaker 1: because we talk a lot about rampant consumerism and consumption.
Speaker 1: So Joel, speaking of consumption, we just consumption that beer
Speaker 1: and uh, I would love to hear your thoughts on it, man. Yeah,
Speaker 1: we we certainly did. Today on the show, we drank
Speaker 1: National Cherry Blossom Festival by Old Ox Brewery, given us
Speaker 1: by our friend Andrew. Thanks Andrew. And this was really
Speaker 1: good man. This beer has cherry juice in it and
Speaker 1: also hybiscus. I feel like that hybiscuits, that kind of
Speaker 1: floral notes actually hit the hardest in this and and
Speaker 1: then there is a touch of that cherry juice and
Speaker 1: they balanced nicely. This is technically a sayson. It has
Speaker 1: that Farmhouse says on quality to it, but with the
Speaker 1: cherry juice in the hybiscuits flour like the fruit and
Speaker 1: the floral, it really is an interesting mix. And I
Speaker 1: thought this beer was was really tasty. Yeah, to me, man,
Speaker 1: it was totally fruity and it drank like a fruity triple.
Speaker 1: There are a lot of Belgian beer flavors going on,
Speaker 1: and yeah, I kept thinking like, this tastes a lot
Speaker 1: like a triple but with cherry juice or it kind
Speaker 1: of reminded me of like that cane fruit metally with
Speaker 1: like the little macerated cherry that kind of thrown in
Speaker 1: there as well. I can see that, you know what
Speaker 1: I'm saying, So imagine like a Belgian triple plus some
Speaker 1: of that doll canned fruit mixed cup kind of mixed
Speaker 1: together with a little bit more cherry. Which kind of
Speaker 1: sounds a little negative, But I really enjoyed this beer.
Speaker 1: That's not what we normally have, but really interesting and
Speaker 1: quite enjoyable. Yeah, that was a fun one. All right, Joel,
Speaker 1: We're not gonna bounce back and forth with our final
Speaker 1: thoughts on this episode, but do you have any some
Speaker 1: parting wisdoms, some parting words for us. Crap, you're gonna
Speaker 1: do that to me? Okay, I want to put the
Speaker 1: pressure on you. All Right, here we go. Well, I
Speaker 1: think ultimately when we spend more mindfully, it feels good.
Speaker 1: It actually feels better than impulse spending. But impulse spending
Speaker 1: is what we're all prone to do because we're reacting
Speaker 1: to what we see in the world around us. We're
Speaker 1: reacting to the clutter in our own lives. And so yeah,
Speaker 1: hopefully some of these rules that we laid out can
Speaker 1: help people make more mindful purchases as opposed to the
Speaker 1: expedient one. I mean, that's what I hope for myself too,
Speaker 1: because I know my tendencies, uh to to buy something
Speaker 1: just because it's on sale, and I need this reminder
Speaker 1: just as much as anybody else. Nice you nailed at buddy.
Speaker 1: Thanks man, that's gonna be it for this episode. You
Speaker 1: can find our show notes up at how It's a
Speaker 1: Money dot com. Check them out. Yeah, and if you
Speaker 1: like this episode, and if you're joined the podcast, you
Speaker 1: know we would appreciate a review from you on Apple Podcasts.
Speaker 1: It means a lot. It helps other people figure out
Speaker 1: what this show is all about. So Matt, until next time, Buddy,
Speaker 1: best friends out, best friends out. Best friends out, best
Speaker 1: friends out sure right, or stealing? We highly recommend stealing things.
Speaker 1: Uh just kidding,