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Speaker 1: Welcome to How the Money. I'm Joel and I am Matt,

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Speaker 1: and today we're hosting an A m A so you

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Speaker 1: can better know your podcast host. That's right, buddy, this

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Speaker 1: is a This is like an How the Money unplugged.

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Speaker 1: Although by the way, my voice, I feel like this

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Speaker 1: is my voice sound hoarse to you. That's a little battling,

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Speaker 1: a little a little bit of a cold here. But

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Speaker 1: this is like like a more casual episode and instead

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Speaker 1: of diving into financial tips, different stories, different guests that

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Speaker 1: we thought would be interesting for the podcast, we are

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Speaker 1: hosting inn A m A and Ask Me Anything for

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Speaker 1: those who like to spend time over on Reddit and Joel.

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Speaker 1: You posted in the Facebook group asking for just basically

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Speaker 1: if you had a question for us or Matt and

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Speaker 1: Joel about anything non money related. Those are the questions

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Speaker 1: that we wanted to hear from you. And specifically, when

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Speaker 1: we say non money related, we didn't want it to

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Speaker 1: be like an ask htm episode right where you're asking

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Speaker 1: money questions that you have. But some people did ask

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Speaker 1: about our financials. They asked about how our podcast makes money.

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Speaker 1: We're gonna get to those questions during this episode. So

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Speaker 1: there is there's a little bit of money, and that's

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Speaker 1: just like one question. The rest of them are very

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Speaker 1: very personal, honestly, and so I don't know about your

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Speaker 1: lower back tattoo. Matt Joel actually does have a tramp stamp,

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Speaker 1: and we'll get to that right after we introduce our beer.

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Speaker 1: And actually we wanted to should we did? You want

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Speaker 1: to explain the better No your podcast hosts. So it's

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Speaker 1: like a throwback to the Colbert Report, that's right. So

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Speaker 1: one of things out there best segments in TV history

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Speaker 1: was when Stephen Colbert, who was at that point not

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Speaker 1: nearly as well known, and he would sit down with

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Speaker 1: a congress person from a small district and a random

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Speaker 1: standom state and and so he it was called better

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Speaker 1: Know a District, and so he would interview a congress

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Speaker 1: person and ask him off the wall questions and it

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Speaker 1: was just like TV gold and so good. The Colbert

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Speaker 1: Report good segment was one of the best shows on

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Speaker 1: TV at that point in time. Easily we're back to

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Speaker 1: back between The Daily Show and The Colbert Report. Was like,

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Speaker 1: that was an hour worth of just utter beautiful political insanity.

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Speaker 1: But which Kate and I attended a taping. I don't

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Speaker 1: know if we've ever talked about that. Okay, yeah, we

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Speaker 1: got there. They were free back in the day. It

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Speaker 1: was right before he stopped doing it, right right before

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Speaker 1: he it was Yeah, it was the last year, last season,

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Speaker 1: and we lucked out and got tickets to one of

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Speaker 1: the tapings. Yeah, so it's a fun time in the

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Speaker 1: same way, you can feel free to humiliate us with

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Speaker 1: your questions and maybe we'll do another one of these

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Speaker 1: in the future. But we were like, listen, like we

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Speaker 1: we've done matt our personal stories, you and I where

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Speaker 1: we kind of interviewed each other, but it was more

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Speaker 1: of like the our personal finance background essence and like

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Speaker 1: our history of money, how we approached money, how we

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Speaker 1: got to where we are today, and if you want

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Speaker 1: to know more of those backgrounds will link to both

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Speaker 1: of those episodes in the shows. But but this is

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Speaker 1: really just a way for you to ask your questions. Like,

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Speaker 1: if you've listened for two months or for two years,

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Speaker 1: you probably have some questions about who we are, what

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Speaker 1: we like, like, what we do, and so we just

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Speaker 1: got to be fun to take some of those on

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Speaker 1: today's episode us. Right, But first let's introduce our beer,

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Speaker 1: which is Double Top, which is a Double I p

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Speaker 1: A by Academia Brewing Company. Looking forward to enjoying this

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Speaker 1: one with you today, buddy, and we will share our

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Speaker 1: thoughts at the end of the episode, for sure. Yeah,

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Speaker 1: this one was a collab with one of our local

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Speaker 1: bottle shops, which is the best bottle shop in the area.

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Speaker 1: We'll we'll give our thoughts on this beer at the

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Speaker 1: end of the episode. But let's get to it, Matt.

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Speaker 1: Let's do the a m a uh and give you

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Speaker 1: guys a chance to know us a little bit better.

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Speaker 1: There were some great questions posed on our Facebook group.

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Speaker 1: By the way, if you are not a member of

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Speaker 1: the how to Money Facebook group, go to Facebook dot com.

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Speaker 1: If you're you know, if you're so inclined, joined the

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Speaker 1: how of Money Facebook group, we'd love to have you.

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Speaker 1: It's a bunch of awesome people asking each other money questions,

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Speaker 1: giving each other helpful financial advice, encouraging each other. It's

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Speaker 1: the hive mind at work and there people are sweet

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Speaker 1: in there, which is nice because that's a rarity when

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Speaker 1: it comes to online engagement. But let's get to our

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Speaker 1: first question, Matt, that someone in the Facebook group posed.

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Speaker 1: This one was from Susan and it says, how did

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Speaker 1: you guys first meet each other. Alex also chimed in

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Speaker 1: he wanted a friendship history, so you want to start

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Speaker 1: on that one, you may kick it off. So I

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Speaker 1: would say, basically, it was a game night. So we've

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Speaker 1: got some mutual friends, and they invited Kate and I

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Speaker 1: as well as you and Emily and maybe like another

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Speaker 1: couple or two over. I cannot remember, but I know

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Speaker 1: that y'all were there. I know that we were there.

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Speaker 1: I'm pretty sure we played Settlers of Catan. I'm pretty

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Speaker 1: sure I'll probably one unlikely and so honestly, I'm surprised

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Speaker 1: we are actually friends because I know you hate getting

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Speaker 1: beat competitive, but that was that was when we first

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Speaker 1: met and pretty much we've been friends ever since then.

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Speaker 1: But yeah, that's actually okay, So I take it back.

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Speaker 1: That's the first time we met you two as a couple.

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Speaker 1: I had met Emily. Kate and I had met Emily

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Speaker 1: before previously. We talked about Monday Night Brewing. They make

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Speaker 1: Atlanta's best beer, but back in the day, they used

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Speaker 1: to brew in one of the founders garage, Jeff's garage,

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Speaker 1: and I remember meeting Emily way way back in the day.

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Speaker 1: This is before you two started dating, act right, Yeah,

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Speaker 1: that's a good point. So, yeah, you guys have known

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Speaker 1: each other longer. I'm slightly longer than little bit longer

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Speaker 1: than you, but yeah, we've been friends for now something

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Speaker 1: close to thirteen years. I guess that's gonna be a

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Speaker 1: long time close to that. Yes, I think it is

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Speaker 1: the beginning of yeah, so so yeah, and and it's

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Speaker 1: one of those things where Matt and we just kind

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Speaker 1: of very different personalities in a lot of ways, but

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Speaker 1: we have a lot of things in common. We care

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Speaker 1: about a lot of the same things. We also went

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Speaker 1: to the same church for a long time, so that's

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Speaker 1: that's part of it. We're actually we've got a couple

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Speaker 1: of faith based questions that we'll get to in a

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Speaker 1: little bit too. Yeah. Well, okay, so kind of related

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Speaker 1: to how we met each other. Megan asked, how did

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Speaker 1: you meet your wives? And I already explained how I

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Speaker 1: met your wife, Joel, how did you meet your wife? Yeah,

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Speaker 1: so interestingly enough at church, and so her other question was,

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Speaker 1: I'm curious if you guys are religious at all? And yes,

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Speaker 1: my wife and I we met it well, actually, the

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Speaker 1: first time I ever met her was at a friend's wedding,

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Speaker 1: and I remember seeing her on the dance floor and

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Speaker 1: she has dance moves like no other, and so I

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Speaker 1: was like, who is this girl with those phenomenal dance moves?

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Speaker 1: And it turns out she was dating someone else at

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Speaker 1: the time, and so I had to kind of like

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Speaker 1: I asked around behind the scenes, got the got the

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Speaker 1: down low, and finally she broke up with that loser,

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Speaker 1: and I immediately asked her on a date and it

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Speaker 1: didn't take well. Actually, uh, the first three dates did

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Speaker 1: not go so well. Um, we just didn't connect at all,

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Speaker 1: and I was like, I'm just not gonna ask her

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Speaker 1: out again. I don't know. She felt very guarded and

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Speaker 1: so we didn't really hit it off immediately. But then

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Speaker 1: we kind of started to hang out his friends more

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Speaker 1: and more and we realized that we liked each other

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Speaker 1: started dating again. Didn't have to date very long before

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Speaker 1: we knew, hey, you're the one for me, before we

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Speaker 1: put the big question that you are engaged. And so

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Speaker 1: this is when y'all are both in your mid twenties,

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Speaker 1: you are kind of like young professionals. Kate and I

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Speaker 1: we met when we were in college, and so she

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Speaker 1: was a freshman. I was more of a young unprofessional.

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Speaker 1: By the way, you still got to wear your jeans

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Speaker 1: and stuts. Kay was a freshman. I was a senior

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Speaker 1: the year that we met, and so it didn't make

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Speaker 1: a whole lot of sense for us to start dating.

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Speaker 1: But we had a lot of mutual friends. Is it

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Speaker 1: because of that we started hanging out some and then

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Speaker 1: started hanging out more one on one started dating that

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Speaker 1: last semester before I graduated. So it was one of

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Speaker 1: the didn't really make sense. But you know, agial love,

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Speaker 1: It doesn't really make a whole lot of sense sometimes,

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Speaker 1: does it. But yeah, that that is how public philosopher

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Speaker 1: money and uh well yeah, and Megan that the second

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Speaker 1: part of our question. I've always been curious if you

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Speaker 1: guys are religious at all. Yeah, and Carol. Carol had

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Speaker 1: a question too that followed up on that, based on

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Speaker 1: the Ancient Money Wisdom episode. She said, I'd like to

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Speaker 1: hear more about how faith factors into your money decisions

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Speaker 1: at all. Those are kind of connected, connected questions here.

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Speaker 1: But yeah, so I I was raised Catholic, I grew

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Speaker 1: up Catholic, and then over time I found myself in

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Speaker 1: other branches of Christianity, But does that factor into any

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Speaker 1: of our money decisions? And I would say absolutely. Um,

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Speaker 1: it's hard to tell which aspects, which parts of faith

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Speaker 1: directly influenced money decisions. We recently had an episode about

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Speaker 1: being charitable, about giving your money away. That is a

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Speaker 1: way in which it directly impacts how it is that

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Speaker 1: we handle our money. So in in the Bible, there's

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Speaker 1: the tithe which is giving away ten percent of your income,

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Speaker 1: and that's kind of the Old Testament print ball. And

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Speaker 1: then the principle in the New Testament that Jesus bouses

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Speaker 1: is to sacrificially give your money, right, which I think

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Speaker 1: is kind of like even a higher standard exactly. Yeah,

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Speaker 1: And so I mean that's one of like one of

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Speaker 1: the direct ways. But ultimately, like I feel like one

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Speaker 1: of the core tenets of Christianity is just about it's

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Speaker 1: about loving other people, right, like loving your neighbor, loving

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Speaker 1: your enemies. And so when it comes to just how

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Speaker 1: it is that our family handles our money and just

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Speaker 1: kind of what it is that we do here on

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Speaker 1: the show, Joel, I think, Uh, basically, maybe an oversimplified

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Speaker 1: filter is does this action does it demonstrate love to

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Speaker 1: other people? To our listeners, and I think by running

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Speaker 1: almost every decision that we make sort of through that filter.

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Speaker 1: And granted it's not like we're sitting sitting down and

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Speaker 1: like literally asking that question every time we have to

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Speaker 1: make a decision, but that kind of it tends every

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Speaker 1: decision that we make. It it's sort of like this

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Speaker 1: underlying current that helps to guide us when it comes

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Speaker 1: to whether just different advertising opportunities that we're faced with,

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Speaker 1: or just the kind of content and how it is

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Speaker 1: that we want to approach topics. It's I think, to

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Speaker 1: one of things. We we don't really explicitly talk about

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Speaker 1: our faith on the show a whole lot, and we've

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Speaker 1: had listener emails from time and time to like you

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Speaker 1: said this on the show that sounds like somebody who

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Speaker 1: might like go to church or have a specific kind

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Speaker 1: of faith, and and they they want to ask more questions.

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Speaker 1: We're more than happy to discuss it. But it's it's

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Speaker 1: one of those things where there are people who are

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Speaker 1: really outspoken about their faith who oftentimes do more harm

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Speaker 1: than good, I think. And so it's it's not that

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Speaker 1: we want to hide what we believe, but it's it's

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Speaker 1: the reality is we've seen people use their faith sometimes

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Speaker 1: as a cudgel when they're in in places of prominence,

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Speaker 1: and so we want to be careful of how we

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Speaker 1: talk about our faith, and so we want we'd rather

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Speaker 1: live it out more than yell at out. But yeah,

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Speaker 1: we appreciate those questions and and so, yes, faith plays

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Speaker 1: an important factory factor in our lives. Carol also said,

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Speaker 1: you have rules or guidelines forgiving that help you overcome

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Speaker 1: your natural frugality, which I think is honestly, he's like

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Speaker 1: one of the toughest things I've had to wrestle with

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Speaker 1: because I'm naturally frugal, and so giving money away feels

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Speaker 1: painful in a lot of ways. And we reference to

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Speaker 1: the episode we just did Matt about giving money away,

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Speaker 1: and yeah, so I think that is an important part

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Speaker 1: of it for me, is to like a counterbalance. Yeah,

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Speaker 1: and it helps me reframe what's true and remember what's true,

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Speaker 1: the fact that I'm not promised tomorrow and that my

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Speaker 1: money isn't what's gonna save me, and so giving it

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Speaker 1: away is part of something deeper and more important, uh

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Speaker 1: and more fundamental than probably I even we even talked

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Speaker 1: about in that episode totally. All right, let's keep moving.

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Speaker 1: Derek said, at this point, why haven't your family's gone

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Speaker 1: the commune route. It seems like it could be the

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Speaker 1: most frugal option. What do you think about that, Joel.

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Speaker 1: We talked about it, We really did, because when we

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Speaker 1: talked about moving, a part we talked to that's closer

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Speaker 1: to the truth than you realize. We talked about moving

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Speaker 1: south of town as opposed to north of town. And

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Speaker 1: there was like this property with like a creek running

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Speaker 1: through it in this giant house, where like, what if

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Speaker 1: we all hold up in this one house, is there

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Speaker 1: enough space for us? Or we could build We even

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Speaker 1: talked about like building two places side by side sort

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Speaker 1: of thing. There's this lot that we looked at, uh,

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Speaker 1: and it would have been a lot that you could

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Speaker 1: it was a pretty big lot, and the idea was

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Speaker 1: to potentially purchase this home, demolish it up, divide the lot,

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Speaker 1: and then create two houses on this side by side.

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Speaker 1: So if you didn't think we were weird already for

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Speaker 1: having moved our whole families together, we're literally considering going

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Speaker 1: this route. But I mean, honestly, I'm glad we didn't, though,

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Speaker 1: because such space is good, I think, especially for your

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Speaker 1: family compared to like our family. We're more social beings.

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Speaker 1: And you, guys, you love your neighbors. You guys love

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Speaker 1: I love your people too, But I think we might

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Speaker 1: be if we were your next door neighbors, it might

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Speaker 1: be a little intense for you guys. Yeah, we'd have

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Speaker 1: to have like visiting hours like before this time, and

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Speaker 1: after this time, you were not allowed over here. Nobody

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Speaker 1: nobody is allowed over You'd have to build a teller

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Speaker 1: fence to keep me out. Probably, so h Sheila wants.

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Speaker 1: She she's been a listener for a long time and

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Speaker 1: she and I actually go back to college. So she listened.

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Speaker 1: She listened tell them about your hitchhiking adventures. So yeah,

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Speaker 1: I don't mind doing that. Back in two thousand six,

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Speaker 1: I guess I had my I had my first job

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Speaker 1: in radio, and it didn't pay much and it was

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Speaker 1: morning video, so not just morning radio, but like early

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Speaker 1: early morning, early early, so I had to wake up

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Speaker 1: by like three at the show I think was on

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Speaker 1: from five to eight, and it was just like a

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Speaker 1: punishing job. So I did it for like six months.

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Speaker 1: It was an amazing learning experience. I'm so glad I

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Speaker 1: did it. But then I quit the moment I could,

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Speaker 1: because it was just not ideal for me to wake

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Speaker 1: up at that time and I want to do something else,

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Speaker 1: but I quit. Actually, I'd saved up enough money, even

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Speaker 1: on this meager salary, to go on a road trip

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Speaker 1: around the country with one of my best buds at

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Speaker 1: the time, and yeah, three months in an old beat

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Speaker 1: up Hondai court station wagon, got to visit most of

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Speaker 1: the United States, see some amazing spots. So those were

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Speaker 1: my vagabonding months. And that's one of those things too,

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Speaker 1: when you talk about like compounding rates of return Matt

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Speaker 1: and investing young, that's kind of one of those things

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Speaker 1: that a traditional financial expert would tell you, No, no no, don't,

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Speaker 1: don't do that. Those months are so important when you're young,

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Speaker 1: but so are the memories. And so we're like taking

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Speaker 1: time away and I saved up enough to make it happen,

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Speaker 1: and I'm so glad. I still look back at those

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Speaker 1: months with fondness, the people I met, the things I

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Speaker 1: got to see, just kind of the learning experience that

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Speaker 1: it was. Jason, he's asking if we keep a spreadsheet

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Speaker 1: of all the craft beers that we've had on the show,

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Speaker 1: and Jason, unfortunately we don't have a spreadsheet, which sounds

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Speaker 1: counter to how I like to approach life, but I

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Speaker 1: do have a folder. It's a beer folder inside how

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Speaker 1: the money folder on my desktop on a computer, and

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Speaker 1: so I'm able to quickly go in there when it

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Speaker 1: comes to specifically when we're like, oh, have we had

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Speaker 1: this beer on the show before? And then I can

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Speaker 1: quickly jog my memory and oh, yeah, no, we we've

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Speaker 1: already had that one, or we haven't had one like

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Speaker 1: that yet. And if you're wondering what we've had on

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Speaker 1: the on the show before, we're kinds of beers specific ones.

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Speaker 1: You just follow us on Instagram and you can scroll

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Speaker 1: back through there pretty quickly and you can be like, oh,

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Speaker 1: you can get a sense of which beers we've had

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Speaker 1: trying to post pictures of yeah, of all the beers

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Speaker 1: that we have. But ideally, man, we would have a

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Speaker 1: single pager on the website that had every single beer

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Speaker 1: listed out and then maybe one of these days, I

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Speaker 1: feel like that's something that we can hire out for

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Speaker 1: someone to do, like on fiber or something. But then

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Speaker 1: you click the beer and then it links to the

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Speaker 1: episode where we had that be But I mean, at

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Speaker 1: this point, we've had like almost four four hundred something. Yeah,

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Speaker 1: we had more episodes than beers because we don't have

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Speaker 1: beers on Friday flights, and so that's why the numbers

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Speaker 1: don't line up exactly. Um Actually, related Lydia, she asked

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Speaker 1: if we've tried hot water before, do you know what

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Speaker 1: that is? Or? She says, if not, would you would

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Speaker 1: you try hot water? Joel, I don't know. I guess

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Speaker 1: I'm not really sure what it is either. I think

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Speaker 1: lung and need Us at one point came out with

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Speaker 1: some sort of like but I've given a shot, but

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Speaker 1: it's probably not something. I either want to drink water,

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Speaker 1: I want to drink beer. I don't necessarily want to

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Speaker 1: blend the both. But maybe it's awesome. I'd give it

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Speaker 1: a shot. If someone gives me one, I'll try it,

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Speaker 1: all right. Josh wants to know, have either be tried homebrewing,

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Speaker 1: and if so, how is the experience? I'll start. No,

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Speaker 1: I have not tried homebrewing. People ask me that all

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Speaker 1: the time as a craft beer lover, but one at

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Speaker 1: the time it takes to get up to speed to

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Speaker 1: become a decent homebrewer. It seems like it would take

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Speaker 1: a while and a lot of wasted, crappy beer that

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Speaker 1: I have to drink in order to get there, and

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Speaker 1: there's people doing it on such an amazing level. Like

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Speaker 1: there's no way it's even possible for me. I mean,

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Speaker 1: I don't want to say nothing's possibly. It's not impossible.

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Speaker 1: It's not possible, but it is. How how long would

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Speaker 1: it take me to be be able to brew a

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Speaker 1: beer as good as other half I p A s

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Speaker 1: or as good as a barrel age sour from Casey

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Speaker 1: Brewing blending and brewing or like, it's just it would

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Speaker 1: take me so long to anywhere near that vicinity. I'm

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Speaker 1: just gonna drink the good stuff that other people make.

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Speaker 1: That's true, but there is some I mean there's a

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Speaker 1: frugal side of it as well, right, because imagine once

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Speaker 1: you did dial in, like right now we're drinking the

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Speaker 1: double I p A. Would if you were able to

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Speaker 1: dial in a killer, hazy double I p A. It's

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Speaker 1: one that you're able to keep on draft at your

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Speaker 1: house and anytime friends came over, you would you had

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Speaker 1: the honor, the joy to be able to pour them

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Speaker 1: your very own double I p A. Y How awesome

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Speaker 1: with that? No, that sounds yeah, that sounds like really

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Speaker 1: fun to be able to do that. We we did

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Speaker 1: talk with a brewery at one point about doing a

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Speaker 1: collab beer, which would be really fun. Remember that, Well,

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Speaker 1: so it's one of my favorites and and it would

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Speaker 1: be really cool if you get to go down there

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Speaker 1: and brew a beer with him one day. Okay, remember, yeah,

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Speaker 1: so we'll see. I don't know, maybe that will happen

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Speaker 1: at something that would be awesome. That would be cool. Uh, yeah,

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Speaker 1: I've I've tried it. I did it once early on

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Speaker 1: in my craft beer career, and so because it was

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Speaker 1: early on, I'm guessing I probably remember it being better

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Speaker 1: than it actually was. But it was a Russian Imperial

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Speaker 1: stout and we brewed it, me and my roommate at

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Speaker 1: the time. We brewed it with another friend of ours

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Speaker 1: who was a pretty serious homebrewer. But I remember it

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Speaker 1: being being solid. I even gave a couple of bottles

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Speaker 1: to my father in law because I thought he liked beer.

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Speaker 1: I mean, he does like beer. But the Macro produced

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Speaker 1: loggers that first the hot water, which is basically what

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Speaker 1: Bud is right exactly. Yea, uh, and so that was Josh.

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Speaker 1: Lauren asked, do you have any other craft beer equivalence

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Speaker 1: besides beer, Joel, Yeah, we both do. And so that's

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Speaker 1: one of those things where, yeah, we we say a

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Speaker 1: few craft beer equivalents, right, so that you prioritize not

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Speaker 1: just one thing, but typically for the average person is

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Speaker 1: gonna be something like three or four, three or four things.

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Speaker 1: So my other craft beer equivalence, Well, the thing is

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Speaker 1: they changed too. So I would have said international travel

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Speaker 1: it varies, was one of those things ten years ago,

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Speaker 1: pretty kids, it was something we did at least once

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Speaker 1: a year. We got to see some really great spots.

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Speaker 1: Actually have a question about that later, but uh, now

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Speaker 1: that's kind of changed. We we've actually our craft beer

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Speaker 1: equivalent now is local places to eat is one of

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Speaker 1: those things. We spend more money eating out than we

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Speaker 1: do on travel these days. Um, it's just kind of

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Speaker 1: gone up in our book and hopefully that will change

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Speaker 1: as we get older and we'll go back. We'll revert

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Speaker 1: back to more travel once once our kids get get bigger.

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Speaker 1: But one other thing I've always talked about on the

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Speaker 1: show is full heart. We buy weird art, uh, and

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Speaker 1: that's something my wife and I are into at least

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Speaker 1: one piece a year. The weirder the better, the weird

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Speaker 1: the better. Joel always said, I know, I like the

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Speaker 1: funky stuff. And we actually just went to a full

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Speaker 1: heart festival not too long ago about like four awesome pieces,

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Speaker 1: but that the cool thing was none None of those

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Speaker 1: pieces were more than fifty bucks. So even even so,

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Speaker 1: but we we're willing to spend hundreds and hundred dollars

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Speaker 1: on a great piece of art once a year if

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Speaker 1: we find the right right thing. Yeah, like you said,

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Speaker 1: craft beer equivalence, I think they do evolve and more

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Speaker 1: from change over time. But and so right now, I

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Speaker 1: would say my craft beer equivalent is most definitely paying

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Speaker 1: for my cross fit membership, because it ain't cheap. Anybody

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Speaker 1: who has not only joined a gym, but specifically joined

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Speaker 1: a cross fit gym knows that they can be quite

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Speaker 1: expensive because you're not just paying for access to a

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Speaker 1: bunch of weights that are sitting there, or like a

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Speaker 1: rolling machine that kind of thing. You're you're paying for

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Speaker 1: the jobs of a bunch of different trainers who are

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Speaker 1: they're guiding you through the movements and teaching you. Uh.

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Speaker 1: And so for me right now, that's most definitely my splurge.

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Speaker 1: It's cross fit and actually a little money tip a

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Speaker 1: listener I cannot remember her name, but she emailed in

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Speaker 1: and shared after that episode. You know, we did the

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Speaker 1: you know, going full CrossFit on your finances a few

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Speaker 1: weeks ago, but she emailed about this, uh, this service

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Speaker 1: called street parking, which is something it was something like

430
00:18:35,640 --> 00:18:38,280
Speaker 1: twenty bucks a month and it gives you access to programming.

431
00:18:38,600 --> 00:18:40,520
Speaker 1: So obviously you need to have some sort of foundation

432
00:18:40,800 --> 00:18:43,800
Speaker 1: under your belt before you kind of dive into d

433
00:18:44,000 --> 00:18:46,480
Speaker 1: I y ing it at home. But this is totally

434
00:18:46,480 --> 00:18:48,040
Speaker 1: an option that I think for a lot of folks

435
00:18:48,040 --> 00:18:50,800
Speaker 1: who are looking to maintain that habit but who are

436
00:18:50,840 --> 00:18:55,560
Speaker 1: also looking to not pay off the nose for the

437
00:18:55,640 --> 00:18:59,359
Speaker 1: expensive CrossFit membership, that's definitely worth checking out. Again, it

438
00:18:59,480 --> 00:19:02,200
Speaker 1: is called street parking. Yeah, well we'll link to that

439
00:19:02,560 --> 00:19:04,040
Speaker 1: in the shore notes as well, just so you can

440
00:19:04,160 --> 00:19:05,960
Speaker 1: you can check that out if you're interested. But Mat

441
00:19:06,040 --> 00:19:08,399
Speaker 1: and Matt you would say that you don't necessarily you

442
00:19:08,440 --> 00:19:10,240
Speaker 1: don't have to have cross fit, but for you, especially

443
00:19:10,280 --> 00:19:13,320
Speaker 1: as you're learning, it's it's really good and for you,

444
00:19:13,359 --> 00:19:15,719
Speaker 1: the coaching part is really it's been awesome. Yeah, So

445
00:19:15,800 --> 00:19:18,480
Speaker 1: and you might not do it. Provides that perpetuity. Oh yeah, well,

446
00:19:18,520 --> 00:19:20,400
Speaker 1: and that's I thought. What you're gonna say is that

447
00:19:20,480 --> 00:19:22,439
Speaker 1: I may not do it except for the fact that

448
00:19:22,440 --> 00:19:24,719
Speaker 1: I do have coaches not yelling at me, but just

449
00:19:24,760 --> 00:19:27,680
Speaker 1: the accountability that comes with being there. At the certain classes,

450
00:19:27,680 --> 00:19:29,199
Speaker 1: Folks come to expect that you're going to be there.

451
00:19:29,200 --> 00:19:31,720
Speaker 1: There's a certain level of accountability. So I guarantee I've

452
00:19:31,760 --> 00:19:33,560
Speaker 1: done it more than I would have if it was

453
00:19:33,600 --> 00:19:36,160
Speaker 1: just left to me at home by myself. But again,

454
00:19:36,200 --> 00:19:38,800
Speaker 1: over time, if that's a discipline I can develop, and

455
00:19:38,920 --> 00:19:41,320
Speaker 1: once I learned some of those basic movements, then I

456
00:19:41,320 --> 00:19:43,639
Speaker 1: could Well, I mean, I am all about d I

457
00:19:43,760 --> 00:19:45,639
Speaker 1: Y and stuff and saving money and you know, doing

458
00:19:45,680 --> 00:19:49,159
Speaker 1: stuff at home. Thus the craft beer homebrewing conversation we

459
00:19:49,240 --> 00:19:51,040
Speaker 1: just had, Jole, But in this case, I'm just not

460
00:19:51,160 --> 00:19:53,479
Speaker 1: quite there yet. Cool cool, all right, Well maybe one

461
00:19:53,480 --> 00:19:55,600
Speaker 1: of these days, but for now, you don't mind spending

462
00:19:55,600 --> 00:19:57,200
Speaker 1: the money. It's one of those craft beer clements. When

463
00:19:57,200 --> 00:19:59,119
Speaker 1: you name it like that, totally my splurge, you know,

464
00:19:59,160 --> 00:20:01,200
Speaker 1: it becomes a lot less. It's difficult to funnel money

465
00:20:01,200 --> 00:20:04,320
Speaker 1: in that direction when you've kind of named it as such. Well, yeah,

466
00:20:04,440 --> 00:20:05,960
Speaker 1: I mean, that's that's the tough thing about it, though,

467
00:20:06,000 --> 00:20:07,840
Speaker 1: is because it's typically at the beginning of the year.

468
00:20:07,880 --> 00:20:09,919
Speaker 1: At the end of every calendar year, we sit down

469
00:20:09,960 --> 00:20:12,200
Speaker 1: and we look ahead, and we forecast and we dream

470
00:20:12,520 --> 00:20:14,639
Speaker 1: and we decide sort of preemptively what we're going to

471
00:20:14,720 --> 00:20:16,879
Speaker 1: spend our money on. And this was one that basically

472
00:20:16,920 --> 00:20:18,600
Speaker 1: showed up in the middle of the year. And so

473
00:20:18,720 --> 00:20:20,399
Speaker 1: because of that, I think there is sort of this

474
00:20:20,520 --> 00:20:23,639
Speaker 1: sense of guilt. But I know next year it'll be

475
00:20:23,680 --> 00:20:25,920
Speaker 1: a lot easier because it's something that we've already spent

476
00:20:25,960 --> 00:20:27,960
Speaker 1: money on, and so I will then be able to say, no,

477
00:20:28,119 --> 00:20:30,440
Speaker 1: this is something that is important, whereas this year it

478
00:20:30,520 --> 00:20:32,400
Speaker 1: kind of felt like it, uh kind of found its

479
00:20:32,400 --> 00:20:35,640
Speaker 1: way onto the budget without as much planning, but makes

480
00:20:35,640 --> 00:20:38,040
Speaker 1: sense alright. So Lindsay wants to know when did each

481
00:20:38,040 --> 00:20:41,160
Speaker 1: of you become interested in money and financial literacy. Well,

482
00:20:41,280 --> 00:20:43,720
Speaker 1: for me, I'll say that, uh, necessity is the mother

483
00:20:43,840 --> 00:20:47,400
Speaker 1: of all invention. I became interested in personal finances when

484
00:20:47,400 --> 00:20:50,040
Speaker 1: I realized they didn't have any money. Like I had

485
00:20:50,040 --> 00:20:54,080
Speaker 1: taken my first job out of college and I was realizing, Man,

486
00:20:54,160 --> 00:20:57,000
Speaker 1: my paycheck is not going nearly as far as I

487
00:20:57,040 --> 00:20:59,280
Speaker 1: thought it would. And so that's when I learned about budgeting.

488
00:20:59,280 --> 00:21:01,240
Speaker 1: That's when I created my first budgets at that point

489
00:21:01,280 --> 00:21:04,200
Speaker 1: in time. It's also when I discovered Dave Ramsey. Though

490
00:21:04,359 --> 00:21:06,640
Speaker 1: at that point I didn't have any any any debt,

491
00:21:06,840 --> 00:21:10,439
Speaker 1: but I still realized the importance of budgeting specifically. And

492
00:21:10,480 --> 00:21:13,480
Speaker 1: so yeah, that started the process of me thinking about

493
00:21:13,520 --> 00:21:15,800
Speaker 1: money talking about it. Kate and I were engaged at

494
00:21:15,800 --> 00:21:17,159
Speaker 1: that point in time as well, and so it was

495
00:21:17,200 --> 00:21:19,560
Speaker 1: a discussion that her and I were having as well.

496
00:21:19,600 --> 00:21:21,200
Speaker 1: So it wasn't just something I was doing, but it's

497
00:21:21,200 --> 00:21:24,520
Speaker 1: something that we were talking about, which made it more comfortable,

498
00:21:24,560 --> 00:21:26,440
Speaker 1: I think for me to then talk about personal finances

499
00:21:26,560 --> 00:21:28,880
Speaker 1: with other people. I think that may may have led

500
00:21:28,920 --> 00:21:32,320
Speaker 1: to me feeling comfortable with talking about money with you, Joel,

501
00:21:32,640 --> 00:21:35,200
Speaker 1: and which maybe ultimately helped lead us to the podcast

502
00:21:35,200 --> 00:21:36,560
Speaker 1: as well. The fact that was a part of our

503
00:21:36,560 --> 00:21:39,359
Speaker 1: friendship early on. Was just talking about money for sure. Yeah,

504
00:21:39,480 --> 00:21:42,000
Speaker 1: and for me. You can hear the full, the longest

505
00:21:42,119 --> 00:21:45,720
Speaker 1: version of the story in that that podcast episode where

506
00:21:45,720 --> 00:21:48,320
Speaker 1: Matt interviewed me about my money story. But childhood, it

507
00:21:48,359 --> 00:21:50,280
Speaker 1: was it was my parents not being great with money.

508
00:21:50,560 --> 00:21:52,760
Speaker 1: It was about the troubles that that caused the fights,

509
00:21:53,200 --> 00:21:56,120
Speaker 1: and so I tell kind of like the long form

510
00:21:56,160 --> 00:21:58,080
Speaker 1: story in that one. But and then and then getting

511
00:21:58,080 --> 00:22:01,080
Speaker 1: to to work for a radio show that was for

512
00:22:01,160 --> 00:22:03,960
Speaker 1: fifteen years. It was all about personal finance too, ra advocacy,

513
00:22:04,480 --> 00:22:07,000
Speaker 1: and that combined with my past, like with with what

514
00:22:07,040 --> 00:22:09,119
Speaker 1: I experienced in childhood, just to lit this flame in

515
00:22:09,160 --> 00:22:11,840
Speaker 1: me for a care to to do well with my

516
00:22:11,880 --> 00:22:13,439
Speaker 1: own money and then to help other other people do

517
00:22:13,480 --> 00:22:16,560
Speaker 1: the sense of the perfect recipe for you. Uh, last

518
00:22:16,600 --> 00:22:19,040
Speaker 1: question here before the break, Kevin asked if you weren't

519
00:22:19,080 --> 00:22:22,439
Speaker 1: financial gurus, which I'll put an asterisk next next to

520
00:22:22,440 --> 00:22:26,080
Speaker 1: that right there. Uh what financial idiots? Know? What career

521
00:22:26,119 --> 00:22:29,000
Speaker 1: do you think you would have gone for? Joel? All right, So,

522
00:22:29,040 --> 00:22:31,560
Speaker 1: I've always loved broadcasting. I got into radio because I

523
00:22:31,560 --> 00:22:33,520
Speaker 1: thought it was the coolest medium to reach people. Long

524
00:22:33,560 --> 00:22:37,320
Speaker 1: form audio, to me is is really the most effective

525
00:22:37,359 --> 00:22:41,000
Speaker 1: way to get something across. And I love the relationship

526
00:22:41,040 --> 00:22:42,840
Speaker 1: you can build with a listener just by being in

527
00:22:42,840 --> 00:22:45,160
Speaker 1: their ears for forty five minutes, three days a week.

528
00:22:45,480 --> 00:22:47,280
Speaker 1: And so but for me, it would have been being

529
00:22:47,280 --> 00:22:50,240
Speaker 1: the Braves announcer probably like, uh, that's what I wanted

530
00:22:50,240 --> 00:22:52,200
Speaker 1: to do. The dream job yeah, I took a sports

531
00:22:52,200 --> 00:22:55,520
Speaker 1: podcasting class in college. It I mean, it's possible. It's possible,

532
00:22:55,560 --> 00:22:57,600
Speaker 1: like that's I mean, I don't know. Maybe it's easier

533
00:22:57,640 --> 00:23:00,240
Speaker 1: for me to think this way because for you, I guess,

534
00:23:00,440 --> 00:23:03,040
Speaker 1: like it feels like a continuation of your previous career.

535
00:23:03,080 --> 00:23:05,280
Speaker 1: But for me, being a photographer, this has been a

536
00:23:05,320 --> 00:23:09,199
Speaker 1: completely massive pivot in my life, and so it's not

537
00:23:09,320 --> 00:23:12,359
Speaker 1: very difficult for me to imagine the different future, I guess,

538
00:23:12,560 --> 00:23:15,320
Speaker 1: other than talking about money with you while drinking beer

539
00:23:15,480 --> 00:23:18,000
Speaker 1: here on the show, but generally speaking, I found that

540
00:23:18,200 --> 00:23:20,640
Speaker 1: one of the most rewarding aspects of what we do

541
00:23:20,760 --> 00:23:23,479
Speaker 1: here on how the money is seeing the positive impact

542
00:23:23,560 --> 00:23:26,119
Speaker 1: on individuals lives. The fact that we've been able to

543
00:23:26,600 --> 00:23:30,520
Speaker 1: encourage and provide the information for folks to completely change

544
00:23:30,560 --> 00:23:33,080
Speaker 1: their life, to to change the trajectory of their life

545
00:23:33,080 --> 00:23:36,760
Speaker 1: has been incredibly rewarding. And so I guess kind of

546
00:23:36,760 --> 00:23:39,760
Speaker 1: going going along that path like finding some way to

547
00:23:39,960 --> 00:23:42,400
Speaker 1: like this is gonna sound super woo woo, but like

548
00:23:42,520 --> 00:23:45,359
Speaker 1: life coaching or like some sort of like general wellness.

549
00:23:45,840 --> 00:23:50,200
Speaker 1: Money is one aspect of living a full, complete, happy life,

550
00:23:50,480 --> 00:23:52,679
Speaker 1: but there are other aspects as well, like um, like

551
00:23:52,720 --> 00:23:54,800
Speaker 1: physical fitness. I mean, like, again, that's something that you

552
00:23:54,800 --> 00:23:56,719
Speaker 1: and I have kind of thought more about recently. But

553
00:23:56,760 --> 00:24:00,639
Speaker 1: like social wellness, spiritual health, men, well, like, there are

554
00:24:00,640 --> 00:24:04,600
Speaker 1: all these aspects of personal health that I think oftentimes

555
00:24:04,600 --> 00:24:07,640
Speaker 1: get overlooked, and folks don't give all these other aspects

556
00:24:07,720 --> 00:24:10,080
Speaker 1: the time that they should in order to find the

557
00:24:10,080 --> 00:24:12,040
Speaker 1: balance that they need in their own lives. Some people

558
00:24:12,119 --> 00:24:14,320
Speaker 1: just don't have the time, or they feel like they're

559
00:24:14,320 --> 00:24:16,119
Speaker 1: crunched and think that or they don't feel that they

560
00:24:16,160 --> 00:24:18,439
Speaker 1: have the time when instead it's like, well, maybe if

561
00:24:18,480 --> 00:24:21,399
Speaker 1: you weren't watching Netflix or watching whatever, like whatever it

562
00:24:21,440 --> 00:24:25,240
Speaker 1: is that they're doing. I think if it's yes, I

563
00:24:25,280 --> 00:24:28,600
Speaker 1: think we do. And I think oftentimes we're so focused

564
00:24:28,640 --> 00:24:32,040
Speaker 1: on our careers or whatever specialty that we give all

565
00:24:32,040 --> 00:24:34,040
Speaker 1: of our attention to, that we don't give time for

566
00:24:34,080 --> 00:24:36,959
Speaker 1: these things. Um that would allow us to become like

567
00:24:37,080 --> 00:24:40,320
Speaker 1: more generalists basically as opposed to specialists. And I think

568
00:24:40,359 --> 00:24:42,760
Speaker 1: we might need more generalists in our world, or at

569
00:24:42,800 --> 00:24:44,560
Speaker 1: least more of a generalist approach when it comes to

570
00:24:44,640 --> 00:24:46,320
Speaker 1: living a balanced life. All Right, I got it. I

571
00:24:46,359 --> 00:24:48,200
Speaker 1: like that. I like that. All right, So we thank

572
00:24:48,240 --> 00:24:49,720
Speaker 1: you for all those questions we've got a bunch more.

573
00:24:49,760 --> 00:24:51,639
Speaker 1: We want to get to just so many, so many

574
00:24:51,680 --> 00:24:53,520
Speaker 1: good ones that people sent in. So yeah, we'll get

575
00:24:53,520 --> 00:24:55,639
Speaker 1: to our thoughts on a bunch more of your questions.

576
00:24:55,640 --> 00:25:06,560
Speaker 1: We'll get to those right after this. All right, we're

577
00:25:06,600 --> 00:25:08,840
Speaker 1: back from the break to hit the ground running. Nate.

578
00:25:09,560 --> 00:25:12,359
Speaker 1: He is asking how many bikes do you individually have

579
00:25:12,720 --> 00:25:15,439
Speaker 1: and what's the best one? Are ones that you like?

580
00:25:15,960 --> 00:25:19,919
Speaker 1: I have two bikes, and I don't know have in

581
00:25:19,960 --> 00:25:23,680
Speaker 1: our garage as a whole. Basically everyone in our family

582
00:25:23,680 --> 00:25:26,159
Speaker 1: has one bike. I have too, and that's because I

583
00:25:26,200 --> 00:25:28,720
Speaker 1: have my road bike and I have my Radwagon. My

584
00:25:28,800 --> 00:25:31,280
Speaker 1: Radwagon is the electric cargo bike, and so that helps

585
00:25:31,320 --> 00:25:33,400
Speaker 1: me slinging my kids around town, and the road bike

586
00:25:33,640 --> 00:25:37,440
Speaker 1: helps sling me slinging myself around town. And that's all

587
00:25:37,480 --> 00:25:40,159
Speaker 1: I've really felt like I needed. I'm kind of considered

588
00:25:40,240 --> 00:25:43,040
Speaker 1: getting a mountain bike, but haven't boiled the trigger yet. Yeah,

589
00:25:43,040 --> 00:25:46,040
Speaker 1: we've got like around I think around seven bikes likely

590
00:25:46,119 --> 00:25:49,880
Speaker 1: to I feel like our fleet is likely to increase

591
00:25:50,480 --> 00:25:53,720
Speaker 1: over the years, as as the younger ones are riding

592
00:25:53,760 --> 00:25:55,920
Speaker 1: more as well. But I've got to I've got the

593
00:25:55,920 --> 00:25:58,080
Speaker 1: the Salsa, which is my gravel Bike, which is the

594
00:25:58,119 --> 00:26:00,800
Speaker 1: bike that I ride to work here in our office

595
00:26:00,800 --> 00:26:03,520
Speaker 1: every single day. And then I've got the u BA Mondo,

596
00:26:03,640 --> 00:26:06,160
Speaker 1: which is the long tail cargo bike, which honestly I'm

597
00:26:06,200 --> 00:26:08,560
Speaker 1: not riding nearly as much, which is kind of sad

598
00:26:08,600 --> 00:26:10,840
Speaker 1: to think about. But maybe I should consider selling it.

599
00:26:10,920 --> 00:26:12,600
Speaker 1: But your kids are getting older too, Yeah, they're they're

600
00:26:12,600 --> 00:26:14,600
Speaker 1: getting a part of it. I still take mind to school,

601
00:26:14,640 --> 00:26:17,400
Speaker 1: you have to do your schools. Not close exactly exactly,

602
00:26:17,480 --> 00:26:19,520
Speaker 1: but it's yeah, definitely worth considering because I would love

603
00:26:19,560 --> 00:26:22,120
Speaker 1: to have a road bike like Ugel, Like the gravel bike,

604
00:26:22,880 --> 00:26:25,199
Speaker 1: it's just like a general all purpose bike, awesome for

605
00:26:25,320 --> 00:26:28,000
Speaker 1: just banging around town getting to wherever I need to go.

606
00:26:28,240 --> 00:26:30,480
Speaker 1: But I would love to consider getting like a road

607
00:26:30,520 --> 00:26:31,879
Speaker 1: bike to be able to get on the roads and

608
00:26:32,000 --> 00:26:34,359
Speaker 1: just the ability to go fast to those rides. So

609
00:26:34,359 --> 00:26:37,200
Speaker 1: I'm like, absolutely, man um, but but yeah, I mean,

610
00:26:37,320 --> 00:26:39,720
Speaker 1: but ultimately, Nate, I would say, like, if you're asking

611
00:26:39,760 --> 00:26:41,840
Speaker 1: this because you are curious and getting a bike, I

612
00:26:41,840 --> 00:26:43,600
Speaker 1: would say, get whatever bike that you're gonna be able

613
00:26:43,640 --> 00:26:48,040
Speaker 1: to ride. And I think oftentimes utility biking is it's

614
00:26:48,040 --> 00:26:51,000
Speaker 1: basically underrated, and that is finding ways to bike to

615
00:26:51,440 --> 00:26:53,680
Speaker 1: some of the places that you're already gonna go in life.

616
00:26:53,680 --> 00:26:55,919
Speaker 1: As those hybrid bikes, by the way, are typically perfect

617
00:26:55,920 --> 00:26:58,359
Speaker 1: for a lot of people. They're somewhere in between, kind

618
00:26:58,359 --> 00:27:00,520
Speaker 1: of like a gravel bike and a road bike. Tires

619
00:27:00,560 --> 00:27:02,480
Speaker 1: are a little bit fatter. So yeah, I think that

620
00:27:02,480 --> 00:27:04,080
Speaker 1: can be a good choice for a lot of folks. Yeah,

621
00:27:04,119 --> 00:27:06,359
Speaker 1: And honestly, just to be honest, like the type of bike,

622
00:27:06,600 --> 00:27:10,119
Speaker 1: like focusing on the gear oftentimes just gets over It's overrated.

623
00:27:10,240 --> 00:27:11,879
Speaker 1: I think the vast majority of the kind of biking

624
00:27:11,920 --> 00:27:14,360
Speaker 1: that folks are looking to do can honestly be done

625
00:27:14,400 --> 00:27:16,880
Speaker 1: on any type of bike. Um. But that being said,

626
00:27:16,880 --> 00:27:18,359
Speaker 1: those are the kind of bikes we have. All right,

627
00:27:18,400 --> 00:27:21,240
Speaker 1: let's get to the easiest question, Matt. This one's from James.

628
00:27:21,240 --> 00:27:23,480
Speaker 1: He says, what are the three most important decisions you

629
00:27:23,520 --> 00:27:26,600
Speaker 1: made in your lifetime? And then he says what factor

630
00:27:26,720 --> 00:27:29,320
Speaker 1: questions you say, yes, exactly what factors went into the

631
00:27:29,359 --> 00:27:33,440
Speaker 1: outcome of those decisions? And he says, timing, luck, priorities, etcetera. So,

632
00:27:33,640 --> 00:27:35,520
Speaker 1: all right, three most important decisions you made, buddy? What

633
00:27:35,520 --> 00:27:37,399
Speaker 1: don't they? Um, I thought you're gonna you're gonna call

634
00:27:37,400 --> 00:27:40,320
Speaker 1: you and me start, well, I mean, I think who

635
00:27:40,320 --> 00:27:45,200
Speaker 1: who I'm married? Huge? Huge, Like that was okay the first.

636
00:27:45,760 --> 00:27:47,719
Speaker 1: I don't know that there's any more important decisions I've

637
00:27:47,760 --> 00:27:50,320
Speaker 1: ever made, because you're you're basically tying your fate in

638
00:27:50,320 --> 00:27:52,160
Speaker 1: your future to someone, And especially when you're when you're

639
00:27:52,200 --> 00:27:54,399
Speaker 1: young and you get married, like you're kind of dumb,

640
00:27:54,520 --> 00:27:56,560
Speaker 1: you grow a lot, and so you're hoping that you

641
00:27:56,600 --> 00:28:00,639
Speaker 1: grow together in wisdom, in love and so oh, I

642
00:28:00,760 --> 00:28:03,600
Speaker 1: just feel really fortunate to have been married to the

643
00:28:03,680 --> 00:28:06,800
Speaker 1: right person and just the ability that hopefully your partner

644
00:28:06,880 --> 00:28:09,560
Speaker 1: can provide you the balance that they can provide you,

645
00:28:09,840 --> 00:28:11,920
Speaker 1: Like I would be such a worse human being if

646
00:28:11,960 --> 00:28:14,199
Speaker 1: I had married Kate and you're already pretty bad, Like

647
00:28:14,320 --> 00:28:17,520
Speaker 1: could you could you imagine exactly? Like could you imagine? So,

648
00:28:17,760 --> 00:28:19,560
Speaker 1: I yeah, that was totally my first one as well.

649
00:28:19,560 --> 00:28:22,920
Speaker 1: I'm curious to see if our top three decisions mirror

650
00:28:22,920 --> 00:28:25,760
Speaker 1: each other. Having kids number two, it's been massively formation

651
00:28:25,800 --> 00:28:28,640
Speaker 1: I left I left the kids. Okay, I think it's been.

652
00:28:28,720 --> 00:28:31,320
Speaker 1: It's been huge for me that that just well, it's

653
00:28:31,359 --> 00:28:33,480
Speaker 1: brought a lot of joy to my life having kiddos,

654
00:28:33,960 --> 00:28:36,080
Speaker 1: and it's also made me grow up in a way

655
00:28:36,119 --> 00:28:38,160
Speaker 1: that ways that I otherwise would not have. So I

656
00:28:38,160 --> 00:28:40,760
Speaker 1: think the ways in which yeah, you you talked about

657
00:28:40,760 --> 00:28:42,760
Speaker 1: your wife being formation on mine too, but my kids

658
00:28:43,000 --> 00:28:45,800
Speaker 1: formed me in major ways as well. And then faith, faith,

659
00:28:46,040 --> 00:28:48,280
Speaker 1: But I kind of think of faith as like this uh,

660
00:28:48,480 --> 00:28:51,520
Speaker 1: continual decision that I have to make in in in

661
00:28:51,520 --> 00:28:54,640
Speaker 1: in a in a similar direction what Eugene Peterson, a theologian,

662
00:28:54,680 --> 00:28:56,840
Speaker 1: calls along obedience in the same direction, I kind of

663
00:28:57,040 --> 00:29:00,280
Speaker 1: think of that My faith is that so hard to

664
00:29:00,320 --> 00:29:02,360
Speaker 1: boil down the three most important decisions of your life

665
00:29:02,400 --> 00:29:04,920
Speaker 1: and in like thirty seconds or last But that's what

666
00:29:05,000 --> 00:29:06,520
Speaker 1: I would tell James, Yeah, because I would say that

667
00:29:06,600 --> 00:29:08,720
Speaker 1: both of those last two are also very important to me,

668
00:29:08,800 --> 00:29:12,000
Speaker 1: but I did not include kids or faith. Like So,

669
00:29:12,080 --> 00:29:14,680
Speaker 1: my second decision I put down was choosing to work

670
00:29:14,720 --> 00:29:20,160
Speaker 1: for myself because the just the the entrepreneurship spirit that

671
00:29:20,160 --> 00:29:22,280
Speaker 1: that instilled within me. I mean, I know I had

672
00:29:22,280 --> 00:29:25,480
Speaker 1: a degree of that, but just actually doing that and

673
00:29:25,640 --> 00:29:28,440
Speaker 1: getting a taste for that freedom where no one nobody

674
00:29:28,520 --> 00:29:31,200
Speaker 1: is necessarily setting my schedule for me, it's it's me,

675
00:29:31,560 --> 00:29:32,720
Speaker 1: or in this case it was Kate and I. We

676
00:29:32,720 --> 00:29:35,600
Speaker 1: were working together, and just the ability that we had

677
00:29:35,600 --> 00:29:39,239
Speaker 1: the freedom and the flexibility and the autonomy that we

678
00:29:39,280 --> 00:29:41,680
Speaker 1: had during the I mean, it was a decade plus

679
00:29:41,960 --> 00:29:44,160
Speaker 1: that we had being able to live the life that

680
00:29:44,200 --> 00:29:46,960
Speaker 1: we wanted to live was incredible. And there were times

681
00:29:46,960 --> 00:29:49,280
Speaker 1: when I considered going back to like a more of

682
00:29:49,320 --> 00:29:51,880
Speaker 1: a corporate nine to five kind of job, and every

683
00:29:51,920 --> 00:29:54,200
Speaker 1: single time we considered it, we quickly came to the

684
00:29:54,240 --> 00:29:56,000
Speaker 1: realization that there's no way that we can do this.

685
00:29:56,080 --> 00:29:58,240
Speaker 1: Like once you have a taste of you know what

686
00:29:58,320 --> 00:30:01,360
Speaker 1: you and I would now call called I don't want

687
00:30:01,360 --> 00:30:03,440
Speaker 1: to say that it's like good life, but the entrepreneur

688
00:30:03,520 --> 00:30:06,240
Speaker 1: entrepreneurship life, well, we we're basically hard to go back

689
00:30:06,320 --> 00:30:10,040
Speaker 1: become unemployable because we're so addicted to the kind of

690
00:30:10,120 --> 00:30:13,160
Speaker 1: lifestyle where for me being able to do that was

691
00:30:13,320 --> 00:30:16,600
Speaker 1: largely it was largely being in creative control, so in

692
00:30:16,600 --> 00:30:19,560
Speaker 1: control amount it was important, but just not not being

693
00:30:19,560 --> 00:30:21,160
Speaker 1: subject to someone like, well, we want to go in

694
00:30:21,200 --> 00:30:22,800
Speaker 1: this direction, and if I don't think that that's the

695
00:30:22,880 --> 00:30:24,920
Speaker 1: right direction to go in, I don't have any say

696
00:30:24,920 --> 00:30:27,200
Speaker 1: if I'm employed by by someone else, a giant machine,

697
00:30:27,240 --> 00:30:29,120
Speaker 1: by a big cog when is our thing. It's just

698
00:30:29,160 --> 00:30:30,640
Speaker 1: like you and I have to sign off on it,

699
00:30:30,680 --> 00:30:33,520
Speaker 1: which I think it's great. Sometimes we have to flip

700
00:30:33,560 --> 00:30:36,520
Speaker 1: a flip a coin if it. Um. So my last one,

701
00:30:36,560 --> 00:30:38,560
Speaker 1: I'm going to really lay the guilt on you with

702
00:30:38,600 --> 00:30:42,800
Speaker 1: this one, Joel, Is you buddy, Joel? So not only

703
00:30:42,880 --> 00:30:45,200
Speaker 1: just I did they cross my mind that I thought

704
00:30:45,240 --> 00:30:48,760
Speaker 1: about it? Um? Not not only like obviously we had

705
00:30:48,840 --> 00:30:51,600
Speaker 1: years and years of friendship um, and just you know,

706
00:30:51,640 --> 00:30:54,200
Speaker 1: the good memories, the awesome years of not only like

707
00:30:54,240 --> 00:30:57,160
Speaker 1: you and me, but Kate and Emily traveling together, camping,

708
00:30:57,960 --> 00:31:00,160
Speaker 1: holding each other's first babies. Like the problem is it

709
00:31:00,200 --> 00:31:02,400
Speaker 1: says decision that you made, and well I chose you,

710
00:31:02,920 --> 00:31:05,640
Speaker 1: choosing to be friends. And so there's like this whole

711
00:31:05,680 --> 00:31:08,160
Speaker 1: personal side of our friendship. But then you can also

712
00:31:08,200 --> 00:31:10,920
Speaker 1: even sort of isolated to to financial because even before

713
00:31:10,920 --> 00:31:13,080
Speaker 1: we started the company, before we started how the money,

714
00:31:13,320 --> 00:31:15,000
Speaker 1: we were still we were challenging each other from a

715
00:31:15,000 --> 00:31:17,600
Speaker 1: financial standpoint, right Like we were saying, oh, what are

716
00:31:17,600 --> 00:31:19,720
Speaker 1: you thinking about about doing here? What are you thinking

717
00:31:19,720 --> 00:31:22,520
Speaker 1: about doing with your tax refund? And in some circles

718
00:31:22,560 --> 00:31:23,920
Speaker 1: it would be there would be a lot of talk

719
00:31:23,960 --> 00:31:26,680
Speaker 1: about spending that in ways that would basically just lead

720
00:31:26,680 --> 00:31:29,240
Speaker 1: to consumption going to Bahamas. But we were just talking

721
00:31:29,240 --> 00:31:31,360
Speaker 1: about ways to be smart with that money, about ways

722
00:31:31,440 --> 00:31:34,600
Speaker 1: to invest that money. And and so they're like, I

723
00:31:34,640 --> 00:31:36,960
Speaker 1: know before we started, how the money we were. I

724
00:31:37,160 --> 00:31:38,520
Speaker 1: I can say that I know we were in a

725
00:31:38,560 --> 00:31:41,240
Speaker 1: better financial spot because of our relationship with you and Emily.

726
00:31:41,480 --> 00:31:43,400
Speaker 1: But then you add how the money or originally poor,

727
00:31:43,440 --> 00:31:45,120
Speaker 1: not poor, you add that to the mix, and just

728
00:31:45,160 --> 00:31:48,040
Speaker 1: the ability for that just to add even more fuel

729
00:31:48,080 --> 00:31:50,360
Speaker 1: to the fire. The ability for us obviously to work

730
00:31:50,400 --> 00:31:55,240
Speaker 1: together and spend inordinate incredible amounts of time together. But

731
00:31:55,280 --> 00:31:57,600
Speaker 1: then also too, obviously the business, how the money, it's

732
00:31:57,600 --> 00:32:00,280
Speaker 1: been profitable. It's something that we've been able to now

733
00:32:00,360 --> 00:32:02,720
Speaker 1: do for full time for a couple of years. It

734
00:32:02,840 --> 00:32:04,760
Speaker 1: is incredible. So when I think about, I guess the

735
00:32:04,800 --> 00:32:06,800
Speaker 1: most recent years, I'm like, man, that was a big

736
00:32:06,800 --> 00:32:09,200
Speaker 1: stinking deal, big Harry deal. And then had we not met, like,

737
00:32:09,440 --> 00:32:12,080
Speaker 1: you know, twelve years ago, whatever, And think about the

738
00:32:12,120 --> 00:32:14,360
Speaker 1: things that we've done together, just little things and also

739
00:32:14,400 --> 00:32:17,160
Speaker 1: big things like moving our families at the same time,

740
00:32:17,720 --> 00:32:19,640
Speaker 1: so big, yeah. And when you find I think that's

741
00:32:19,680 --> 00:32:22,920
Speaker 1: one of the things it's all my fault. No, it's

742
00:32:22,920 --> 00:32:24,960
Speaker 1: been it's been a lovely thing, I think both of

743
00:32:25,000 --> 00:32:27,040
Speaker 1: our families. But that's one of those things too. I

744
00:32:27,080 --> 00:32:31,600
Speaker 1: think we we undervalue deep, meaningful friendship in our society.

745
00:32:31,600 --> 00:32:33,400
Speaker 1: And we talked about the stats. I don't not too

746
00:32:33,400 --> 00:32:35,920
Speaker 1: long ago, but people have fewer friends than they used

747
00:32:35,960 --> 00:32:37,680
Speaker 1: to have, fewer deep friends that they can count on.

748
00:32:37,720 --> 00:32:39,800
Speaker 1: And so when you have those friends, man nurture of

749
00:32:39,800 --> 00:32:42,280
Speaker 1: those friendships because they're gonna take you places, they're gonna

750
00:32:42,360 --> 00:32:45,120
Speaker 1: encourage you, especially especially all the men out there. Yeah,

751
00:32:45,240 --> 00:32:48,120
Speaker 1: for sure, Yeah enough friends. And James mentioned timing, luck

752
00:32:48,120 --> 00:32:50,480
Speaker 1: and priorities. I don't. Yeah. I think there's that question

753
00:32:50,480 --> 00:32:52,200
Speaker 1: at the end of every depends on how I built

754
00:32:52,200 --> 00:32:54,480
Speaker 1: this about whether it was luck or skill, right, And

755
00:32:54,520 --> 00:32:57,000
Speaker 1: I think that's a really hard question to answer. Um,

756
00:32:57,040 --> 00:32:59,600
Speaker 1: I think there's both, right. There's a lot of intentionality.

757
00:32:59,800 --> 00:33:02,120
Speaker 1: There is a lot of good fortune. I think our

758
00:33:02,120 --> 00:33:04,360
Speaker 1: parents have played a massive role in the people that

759
00:33:04,400 --> 00:33:07,640
Speaker 1: we are wives have as well. Everything altogether, it's a

760
00:33:07,640 --> 00:33:09,840
Speaker 1: big old cauldron that's that's stirring and a bunch of

761
00:33:09,840 --> 00:33:12,200
Speaker 1: things thrown in, and so we feel really fortunate. We

762
00:33:12,240 --> 00:33:16,280
Speaker 1: also try to work hard to live up to our standards.

763
00:33:16,360 --> 00:33:20,160
Speaker 1: Right that we have for this show, but for our families,

764
00:33:20,200 --> 00:33:23,200
Speaker 1: for for um our broader goals. Yeah, I would say

765
00:33:23,280 --> 00:33:28,320
Speaker 1: it's not like luck hard work. It's like a hundred

766
00:33:28,360 --> 00:33:30,760
Speaker 1: percent of everything. It's it's everything, it's all of it

767
00:33:30,880 --> 00:33:32,800
Speaker 1: combined together in order to to get us to working

768
00:33:32,800 --> 00:33:37,640
Speaker 1: off the math works on that. But I Paul, now

769
00:33:37,640 --> 00:33:40,360
Speaker 1: you're starting to sound like a football coach. That's kind

770
00:33:40,360 --> 00:33:42,840
Speaker 1: of what it feels like. Um Paul said, tell us

771
00:33:42,840 --> 00:33:45,040
Speaker 1: more about your long term fitness goals, Joel, do you

772
00:33:45,040 --> 00:33:47,600
Speaker 1: have any Not really? Honestly, it's funny. We did the

773
00:33:47,600 --> 00:33:49,560
Speaker 1: CrossFit Your Finances episode and when I was thinking about

774
00:33:49,600 --> 00:33:51,840
Speaker 1: this question, I was like, my main thing is to

775
00:33:51,880 --> 00:33:55,120
Speaker 1: be consistent, right, My main thing is to slowly game strength,

776
00:33:55,360 --> 00:33:57,320
Speaker 1: is to get a little more fit. But I don't

777
00:33:57,320 --> 00:33:59,200
Speaker 1: have any major thing. I'm talking with my brother in

778
00:33:59,280 --> 00:34:02,440
Speaker 1: law about doing an abbreviated iron Man like this this

779
00:34:02,600 --> 00:34:06,280
Speaker 1: like it's basically like sprint exactly, so it's like a

780
00:34:06,280 --> 00:34:10,160
Speaker 1: five k and like seven yards swim and rind like

781
00:34:10,239 --> 00:34:12,320
Speaker 1: that's something I can do. Maybe that's a goal worth

782
00:34:12,360 --> 00:34:15,440
Speaker 1: striving for doing that in the spring, But no, my

783
00:34:15,560 --> 00:34:17,719
Speaker 1: ultimate I don't have any long term fitness tools. It's

784
00:34:17,760 --> 00:34:19,759
Speaker 1: just to be consistent because for all of my life,

785
00:34:19,840 --> 00:34:22,640
Speaker 1: I've never really worked out, and I've been fairly consistent

786
00:34:22,680 --> 00:34:25,080
Speaker 1: here for like four months, and so I just want

787
00:34:25,080 --> 00:34:27,279
Speaker 1: to keep that going. Yeah, yeah, same here. It's I

788
00:34:27,280 --> 00:34:29,280
Speaker 1: don't have like these. I mean, I want to be stronger,

789
00:34:29,320 --> 00:34:31,160
Speaker 1: I want to be like my ultimate goal is just

790
00:34:31,200 --> 00:34:33,360
Speaker 1: to be healthy. I mean, the whole point is to

791
00:34:33,480 --> 00:34:37,719
Speaker 1: have a functioning body that is able to allow me

792
00:34:37,800 --> 00:34:39,680
Speaker 1: to do the things I want to do in life. Right,

793
00:34:40,080 --> 00:34:42,880
Speaker 1: I think that's where I had, Like a focus on

794
00:34:42,920 --> 00:34:46,759
Speaker 1: fitness and health can eclipse the other goals, like what

795
00:34:46,840 --> 00:34:49,399
Speaker 1: I would would argue might be the more important things

796
00:34:49,400 --> 00:34:52,120
Speaker 1: in life. Right in this way, like health and fitness,

797
00:34:52,160 --> 00:34:55,359
Speaker 1: it's like exercising, it's a means to an end in

798
00:34:55,400 --> 00:34:57,560
Speaker 1: my mind. It's not the end in and of itself.

799
00:34:57,600 --> 00:34:59,840
Speaker 1: Like it's certainly fun and it's certainly something I en

800
00:35:00,000 --> 00:35:02,160
Speaker 1: really and I understand that there's a lot of folks

801
00:35:02,160 --> 00:35:06,439
Speaker 1: who who even make their living by coaching or being

802
00:35:06,480 --> 00:35:08,360
Speaker 1: an instructor or a trainer that kind of thing. But

803
00:35:08,480 --> 00:35:10,919
Speaker 1: for me, I think for the common person, I think

804
00:35:10,960 --> 00:35:12,840
Speaker 1: it's helpful to think about it as a means to

805
00:35:12,920 --> 00:35:15,000
Speaker 1: an end rather than the thing in and of itself.

806
00:35:15,080 --> 00:35:18,080
Speaker 1: Same same thing with amassing money, right, It's like money

807
00:35:18,120 --> 00:35:19,680
Speaker 1: is the tool, and if your goal is to mass

808
00:35:19,719 --> 00:35:21,400
Speaker 1: tons of money, like I don't have a goal to

809
00:35:22,000 --> 00:35:26,640
Speaker 1: like bench press four hundred fifty pounds, that's just not

810
00:35:27,320 --> 00:35:29,480
Speaker 1: It's something I care about, and I think it's fine.

811
00:35:29,520 --> 00:35:31,080
Speaker 1: If that's the kind of the metric that you use,

812
00:35:31,200 --> 00:35:32,920
Speaker 1: that's fine. Um, and I think it's I think it's

813
00:35:32,920 --> 00:35:35,520
Speaker 1: more harmful in terms of money when I think your

814
00:35:35,520 --> 00:35:38,719
Speaker 1: focus could be so much on amassing more and more

815
00:35:38,719 --> 00:35:40,480
Speaker 1: that you forget that it's a tool to accomplish the

816
00:35:40,480 --> 00:35:43,399
Speaker 1: things that matter to partaking your craftier equivalent and build

817
00:35:43,400 --> 00:35:45,240
Speaker 1: wealth so that you can so that you can amass

818
00:35:45,280 --> 00:35:47,719
Speaker 1: freedom and then also find ways to get give that

819
00:35:47,760 --> 00:35:51,360
Speaker 1: money away to the benefit of other people. But Alice

820
00:35:51,400 --> 00:35:53,479
Speaker 1: get next question. This one comes from Tiana. She says,

821
00:35:53,520 --> 00:35:55,520
Speaker 1: if you were a first time HomeBuyer in Atlanta, what

822
00:35:55,640 --> 00:35:57,600
Speaker 1: areas would you recommend. I think we can be brief

823
00:35:57,600 --> 00:36:00,239
Speaker 1: on this one, but uh, we love we love it Ana.

824
00:36:00,520 --> 00:36:02,400
Speaker 1: We just moved just north of the city, but we

825
00:36:02,440 --> 00:36:04,040
Speaker 1: still think it's one of the greatest cities. And actually

826
00:36:04,040 --> 00:36:06,640
Speaker 1: I think it was Money Magazine said Atlanta's number one, Uh,

827
00:36:06,719 --> 00:36:09,560
Speaker 1: the best city in the country, and Atlanta's got it

828
00:36:09,600 --> 00:36:12,120
Speaker 1: going on. I'm not going to disagree that our fair

829
00:36:12,120 --> 00:36:14,560
Speaker 1: city was ranking number thirty five where we moved to

830
00:36:14,560 --> 00:36:17,080
Speaker 1: actually interestingly enough, but I would say Capital View and

831
00:36:17,160 --> 00:36:19,520
Speaker 1: East Point. Oh yeah, those are the two neighborhoods I

832
00:36:19,520 --> 00:36:21,520
Speaker 1: would say look there because I think they have long

833
00:36:21,600 --> 00:36:24,680
Speaker 1: term pidential I thought you'd have more specific neighborhoods. I

834
00:36:24,719 --> 00:36:26,120
Speaker 1: feel like you like you have your ear to the

835
00:36:26,120 --> 00:36:28,360
Speaker 1: ground more when it comes to to like newer, up

836
00:36:28,400 --> 00:36:30,359
Speaker 1: and coming neighborhoods. I thought I was going to say those,

837
00:36:30,360 --> 00:36:31,480
Speaker 1: and I thought you were gonna be like, oh, those

838
00:36:31,480 --> 00:36:34,960
Speaker 1: were those are yesterday's neighborhoods. Now I still really like those.

839
00:36:35,000 --> 00:36:36,279
Speaker 1: But yeah, no, I agree with I think that Tri

840
00:36:36,360 --> 00:36:40,040
Speaker 1: City area, that Hapeville College Park, East Point, like all

841
00:36:40,120 --> 00:36:42,799
Speaker 1: those are great towns just south to south the town

842
00:36:43,000 --> 00:36:45,720
Speaker 1: and and and I think later on in the Facebook

843
00:36:45,760 --> 00:36:47,920
Speaker 1: post she mentioned her budget. I think she said four

844
00:36:48,760 --> 00:36:50,760
Speaker 1: thousand and there are other neighborhoods that we could recommend.

845
00:36:50,760 --> 00:36:52,839
Speaker 1: It just depends on the side of the house and stuff. Uh,

846
00:36:53,040 --> 00:36:55,759
Speaker 1: Like we could say, oh, Inman Park's great. Imman Park

847
00:36:56,080 --> 00:36:58,480
Speaker 1: is a great neighborhood, but it's also really really expensive.

848
00:36:58,520 --> 00:37:01,600
Speaker 1: So if you're talking about living somewhere that is like

849
00:37:01,960 --> 00:37:05,200
Speaker 1: has is cool in town living, but that doesn't cost

850
00:37:05,239 --> 00:37:08,120
Speaker 1: a ridiculous amount of money. The couple of the neighborhoods

851
00:37:08,120 --> 00:37:10,080
Speaker 1: I would consider truly are probably Capital of View and

852
00:37:10,160 --> 00:37:13,600
Speaker 1: East Point yep Sylvan Hills that's near their near Capital View,

853
00:37:13,640 --> 00:37:16,560
Speaker 1: kind of that Purkison Park area. But I mean generally speaking,

854
00:37:16,640 --> 00:37:18,799
Speaker 1: focus on the neighborhoods to like, don't just look at

855
00:37:19,080 --> 00:37:21,520
Speaker 1: the financials, but look at the infrastructure, look at what

856
00:37:21,640 --> 00:37:24,960
Speaker 1: they what those communities have that you're looking for when

857
00:37:24,960 --> 00:37:26,440
Speaker 1: it comes to it to where it is that you

858
00:37:26,440 --> 00:37:28,200
Speaker 1: want to live, but find you know, the ability to

859
00:37:28,239 --> 00:37:31,160
Speaker 1: find a community, a neighborhood that feels like it's it's

860
00:37:31,160 --> 00:37:33,799
Speaker 1: got some some runway ahead of it where you do

861
00:37:33,880 --> 00:37:36,200
Speaker 1: see it improving. Yeah, and they're just waiting on those

862
00:37:36,200 --> 00:37:38,359
Speaker 1: folks to show up and invest some of that that

863
00:37:38,400 --> 00:37:41,279
Speaker 1: time and energy into making those neighborhoods and making those

864
00:37:41,280 --> 00:37:43,520
Speaker 1: communities into what it is that you and and other

865
00:37:43,560 --> 00:37:45,239
Speaker 1: folks were moving in. What you're looking for. And I

866
00:37:45,239 --> 00:37:47,160
Speaker 1: think when you see a sense of neighborhood pride, stuff

867
00:37:47,160 --> 00:37:49,560
Speaker 1: like community gardens. When I'm driving around, those kind of

868
00:37:49,600 --> 00:37:52,200
Speaker 1: things strike me as like, wait a second, even though

869
00:37:52,280 --> 00:37:55,680
Speaker 1: maybe this community hasn't been as loved or hasn't had

870
00:37:55,719 --> 00:38:00,400
Speaker 1: the same infrastructure like input from city developers over years,

871
00:38:00,719 --> 00:38:02,719
Speaker 1: there's something happening here. And I think Capital of You

872
00:38:02,800 --> 00:38:04,560
Speaker 1: was one of those places where and we've already seen

873
00:38:04,760 --> 00:38:07,279
Speaker 1: like a lot happened there in the past since you

874
00:38:07,320 --> 00:38:09,560
Speaker 1: and I bought our first property. Yeah, but then with

875
00:38:09,600 --> 00:38:11,440
Speaker 1: east Point, Like, what's great about east Point is it's

876
00:38:11,480 --> 00:38:13,640
Speaker 1: on the Marty Line and so you've got that direct

877
00:38:14,080 --> 00:38:17,880
Speaker 1: public transit, that direct connection to the city, and so

878
00:38:17,960 --> 00:38:20,920
Speaker 1: that's something that you don't want to overlook as well. Uh,

879
00:38:21,320 --> 00:38:23,919
Speaker 1: let's keep moving. Joel Kyle says, when naming your kids,

880
00:38:23,960 --> 00:38:26,399
Speaker 1: did either of you have a name that you really

881
00:38:26,400 --> 00:38:31,000
Speaker 1: wanted but your wife vetoed? Did you that happen with y'all? Well,

882
00:38:31,280 --> 00:38:34,000
Speaker 1: just the middle name for Ezra, I really wanted. My

883
00:38:34,080 --> 00:38:37,440
Speaker 1: dad's middle name is Luther. My grandpa was a Lutheran minister,

884
00:38:37,680 --> 00:38:39,520
Speaker 1: and so I wanted Ezra's middle name to be Luther.

885
00:38:39,600 --> 00:38:42,319
Speaker 1: And then tell you that I don't really like that.

886
00:38:42,440 --> 00:38:45,080
Speaker 1: So now he went, he has my middle name and

887
00:38:45,120 --> 00:38:47,319
Speaker 1: my dad's first name, which is so it's Ezra David.

888
00:38:47,400 --> 00:38:50,120
Speaker 1: But and I do remember showing for the hospital to

889
00:38:50,120 --> 00:38:53,360
Speaker 1: meet your second daughter, and she was named something different

890
00:38:53,360 --> 00:38:56,080
Speaker 1: than she is today. Well, we had named her, but

891
00:38:56,360 --> 00:38:58,280
Speaker 1: the more we used her name there in the hospital,

892
00:38:58,320 --> 00:39:00,480
Speaker 1: the more we realized, this isn't her name. I don't

893
00:39:00,520 --> 00:39:02,200
Speaker 1: know what it was, but it just didn't flow off

894
00:39:02,239 --> 00:39:04,200
Speaker 1: the tongue like we were expecting. And so we literally

895
00:39:04,840 --> 00:39:07,040
Speaker 1: we called him audible, and we did. We'd already told

896
00:39:07,040 --> 00:39:08,799
Speaker 1: our parents and everything, but then when they showed up

897
00:39:08,800 --> 00:39:10,759
Speaker 1: in the hospital, we told her. We told them her

898
00:39:10,760 --> 00:39:14,480
Speaker 1: new name, and they thought we were joking. But I

899
00:39:14,520 --> 00:39:18,240
Speaker 1: am specifically thinking of Kyle Um I our third daughter.

900
00:39:18,280 --> 00:39:22,480
Speaker 1: I wanted to name Savannah because I've got this thing

901
00:39:22,600 --> 00:39:26,759
Speaker 1: for girls that have boy sounding names, like Andy, what's

902
00:39:26,760 --> 00:39:29,440
Speaker 1: another one, Um, There's a bunch of a bunch of

903
00:39:29,520 --> 00:39:32,120
Speaker 1: names out there that are traditionally considered boy names, but

904
00:39:32,200 --> 00:39:35,600
Speaker 1: they can also be Taylor, Taylor, uh. And so with Savannah,

905
00:39:35,719 --> 00:39:37,560
Speaker 1: the idea was that we would name her Savannah, but

906
00:39:37,560 --> 00:39:40,799
Speaker 1: I wanted to call her Van, which I thought was

907
00:39:40,920 --> 00:39:43,880
Speaker 1: going to be the coolest thing ever. Kate disagreed. She

908
00:39:43,880 --> 00:39:46,080
Speaker 1: just couldn't get behind naming her like the super southern

909
00:39:46,200 --> 00:39:50,480
Speaker 1: sounding names. Savannah the Van is the leading lady in Atlanta.

910
00:39:51,040 --> 00:39:54,320
Speaker 1: Zazzi beats his character's name, which still one of my

911
00:39:54,360 --> 00:39:57,080
Speaker 1: all time paper shows. All Right, what's a hobby, Matt?

912
00:39:57,120 --> 00:40:00,040
Speaker 1: You you aren't into, but you wish you were? Go

913
00:40:00,120 --> 00:40:01,680
Speaker 1: back to going back to homebrewing. I kind of wish

914
00:40:01,719 --> 00:40:03,000
Speaker 1: I was in. That was also one from Kyle by

915
00:40:03,040 --> 00:40:05,480
Speaker 1: the way, Yeah, yeah, like if I was a master

916
00:40:05,600 --> 00:40:09,399
Speaker 1: homebrew again. The ability to have some amazing beer on hand. Uh.

917
00:40:09,520 --> 00:40:11,279
Speaker 1: I wish I was into smoking meat. That's not That's

918
00:40:11,320 --> 00:40:13,200
Speaker 1: something that you've kind of gotten into. And I feel

919
00:40:13,239 --> 00:40:16,160
Speaker 1: like I'm slowly testing the waters a little bit, getting

920
00:40:16,160 --> 00:40:18,120
Speaker 1: the field for but it's not something I do at

921
00:40:18,160 --> 00:40:19,680
Speaker 1: all right now. But I kind of wish I did,

922
00:40:19,719 --> 00:40:21,480
Speaker 1: all right. I wish I reade more. I wish I

923
00:40:21,520 --> 00:40:23,719
Speaker 1: read books more. I read a lot of period I

924
00:40:23,760 --> 00:40:25,239
Speaker 1: read a lot for the show. I read a lot

925
00:40:25,320 --> 00:40:28,720
Speaker 1: during my five I wish I wasn't so dang tired

926
00:40:28,719 --> 00:40:30,560
Speaker 1: at night and then I could stay up and read

927
00:40:30,600 --> 00:40:34,000
Speaker 1: more books. Also, pick pickleball. Everybody's into it. I kind

928
00:40:34,040 --> 00:40:35,160
Speaker 1: of want to get into it too. I want to

929
00:40:35,200 --> 00:40:37,160
Speaker 1: join the Bandwagon. I'm not gonna lie. Have you ever played?

930
00:40:37,520 --> 00:40:40,640
Speaker 1: I have not. No. I played one time and I

931
00:40:40,760 --> 00:40:42,319
Speaker 1: had a blast, Like it was one of the most

932
00:40:42,320 --> 00:40:44,560
Speaker 1: fun things I've ever done, So I would I would

933
00:40:44,640 --> 00:40:47,160
Speaker 1: totally do pickle ball well. On a related note, what

934
00:40:47,280 --> 00:40:50,600
Speaker 1: are some of the best non financial books that you've read?

935
00:40:50,680 --> 00:40:53,400
Speaker 1: This is another one from Kyle. Anything by John Steinbeck

936
00:40:53,560 --> 00:40:57,040
Speaker 1: and Anything and Everything by John Stebacks is my number

937
00:40:57,040 --> 00:40:59,480
Speaker 1: one favorite book of all time. I also like books

938
00:40:59,520 --> 00:41:02,400
Speaker 1: on more Town like so When Breath Becomes Their and

939
00:41:02,440 --> 00:41:04,840
Speaker 1: Being Mortal. Um, those are two of my favorite books.

940
00:41:05,440 --> 00:41:08,200
Speaker 1: Those are good. UM. I like one that stands up

941
00:41:08,239 --> 00:41:11,200
Speaker 1: my mind, Coddling, The Coddling of the American Mind by

942
00:41:11,320 --> 00:41:15,000
Speaker 1: Greg Lukianof and Jonathan Height. It's such a good book.

943
00:41:15,080 --> 00:41:17,839
Speaker 1: I would and I would recommend recommend it for multiple reasons. One,

944
00:41:17,880 --> 00:41:21,200
Speaker 1: it kind of explains like the polarized culture that we're

945
00:41:21,239 --> 00:41:23,640
Speaker 1: in today. I think it explains a lot of how

946
00:41:23,680 --> 00:41:26,280
Speaker 1: we arrived at that point. But then also for parents

947
00:41:26,360 --> 00:41:31,160
Speaker 1: out there, as you are looking to raise resilient, adaptable, smart,

948
00:41:31,760 --> 00:41:34,600
Speaker 1: functional children in this world. They spent a lot of

949
00:41:34,600 --> 00:41:37,200
Speaker 1: time talking about like fragility and what it means to

950
00:41:37,239 --> 00:41:40,200
Speaker 1: be anti fragile and what it means to be like

951
00:41:40,239 --> 00:41:42,880
Speaker 1: a kid that can be just resilient in the world today.

952
00:41:42,920 --> 00:41:45,759
Speaker 1: And so yeah, just from a just from a social commentary,

953
00:41:45,960 --> 00:41:48,360
Speaker 1: and it's back by research as well. But it's interesting

954
00:41:48,360 --> 00:41:50,400
Speaker 1: from that angle, but also from a from a parenting

955
00:41:50,440 --> 00:41:53,080
Speaker 1: angle as well. I would I would recommend that one. Nice. Yeah, No,

956
00:41:53,200 --> 00:41:56,120
Speaker 1: I like that. I like Jonathan knight Is is one

957
00:41:56,160 --> 00:41:59,000
Speaker 1: of the social psychologists doing great works. Smart smart dude.

958
00:41:59,040 --> 00:42:01,919
Speaker 1: All right, Izzy says, does the daily stress of life

959
00:42:01,960 --> 00:42:06,640
Speaker 1: go away when you are financially stable? What you think? No, No, No,

960
00:42:06,719 --> 00:42:08,759
Speaker 1: I don't think it does. No. I think there's still

961
00:42:08,800 --> 00:42:10,359
Speaker 1: a lot of things to stress you out in life,

962
00:42:11,160 --> 00:42:13,560
Speaker 1: especially as a dad with kids who are going through

963
00:42:14,000 --> 00:42:16,239
Speaker 1: a bunch of stuff. But I will say, uh, to

964
00:42:16,440 --> 00:42:19,680
Speaker 1: not have money as a stressor in addition, and it's

965
00:42:19,680 --> 00:42:21,560
Speaker 1: not that we don't stress about money at all, right,

966
00:42:21,840 --> 00:42:24,640
Speaker 1: but to have it largely off the table as something

967
00:42:24,640 --> 00:42:29,000
Speaker 1: that creates arguments or something we have to worry about frequently. Yeah, No,

968
00:42:29,160 --> 00:42:31,760
Speaker 1: it dials down the temperature of a lot of things

969
00:42:31,840 --> 00:42:34,000
Speaker 1: that we have to discuss. And so I think it's

970
00:42:34,040 --> 00:42:38,000
Speaker 1: really important to strive after a certain amount of financial independence,

971
00:42:38,000 --> 00:42:41,560
Speaker 1: of more peace hot money, of just more margin in

972
00:42:41,560 --> 00:42:43,880
Speaker 1: your life, because I do think, yes, it will. It

973
00:42:43,920 --> 00:42:46,520
Speaker 1: can make your relationships better, and it can. It can.

974
00:42:46,560 --> 00:42:49,160
Speaker 1: It can mean that there's less money becomes less of

975
00:42:49,160 --> 00:42:51,359
Speaker 1: a source of constant friction. Yeah, it just depends on

976
00:42:51,400 --> 00:42:53,719
Speaker 1: how many other daily stresses you have. If all your

977
00:42:53,800 --> 00:42:57,319
Speaker 1: daily stress comes down to financial anxieties that you might have,

978
00:42:57,400 --> 00:42:59,880
Speaker 1: then yeah, having some financial margin, having that what you

979
00:43:00,040 --> 00:43:03,239
Speaker 1: and she said, financial stability, that would absolutely help, right,

980
00:43:03,280 --> 00:43:06,000
Speaker 1: Like to not have to worry about whether or not

981
00:43:06,120 --> 00:43:07,799
Speaker 1: you're going to have your power cut off or the

982
00:43:07,800 --> 00:43:10,040
Speaker 1: water turned off like that kind of thing. Oh my gosh.

983
00:43:10,080 --> 00:43:14,040
Speaker 1: I yes, to be able to have some financial margin

984
00:43:14,120 --> 00:43:16,920
Speaker 1: to where you can remove those worries from your plate,

985
00:43:17,480 --> 00:43:20,279
Speaker 1: that is priceless. But at the same so on one

986
00:43:20,280 --> 00:43:22,440
Speaker 1: hand I would say yes, but on the other hand,

987
00:43:22,440 --> 00:43:24,680
Speaker 1: I would say no, because it depends on what you

988
00:43:24,760 --> 00:43:28,120
Speaker 1: then do with that additional margin. Because the typical cycle,

989
00:43:28,320 --> 00:43:32,080
Speaker 1: I think most American consumers, they they basically arrive at

990
00:43:32,120 --> 00:43:34,560
Speaker 1: a certain point, they remove a bunch of stresses from

991
00:43:34,560 --> 00:43:38,200
Speaker 1: their life, but then they uh sign up for additional obligations,

992
00:43:38,200 --> 00:43:41,799
Speaker 1: additional financial obligations that then add more stress to their life. Right.

993
00:43:42,239 --> 00:43:44,719
Speaker 1: So I've known people who are financially free, who are

994
00:43:44,840 --> 00:43:46,880
Speaker 1: not in a good place, who are not happy people,

995
00:43:47,000 --> 00:43:49,200
Speaker 1: and who are stressed out because for other reasons. So

996
00:43:49,719 --> 00:43:53,040
Speaker 1: even having enough money doesn't Yes, what if you're only

997
00:43:53,080 --> 00:43:56,200
Speaker 1: looking at financial issues? Right, Like does more money equal

998
00:43:56,680 --> 00:43:59,759
Speaker 1: like less stress? And I think that depends on what

999
00:44:00,120 --> 00:44:01,759
Speaker 1: you introduced into your life. And so what I was

1000
00:44:01,760 --> 00:44:04,080
Speaker 1: gonna say is that, like, like you used to maybe

1001
00:44:04,280 --> 00:44:07,239
Speaker 1: be concerned with having your utilities cut off, right, but

1002
00:44:07,280 --> 00:44:09,480
Speaker 1: then like you mentioned like a boat earlier, but like,

1003
00:44:09,600 --> 00:44:11,279
Speaker 1: let's say you decided to buy a boat because you

1004
00:44:11,280 --> 00:44:15,640
Speaker 1: know what this said. Two, I'm in a place where

1005
00:44:15,640 --> 00:44:18,360
Speaker 1: I can afford a boat. Well, if you're barely getting

1006
00:44:18,400 --> 00:44:20,080
Speaker 1: by to where you can afford that boat payment or

1007
00:44:20,160 --> 00:44:24,080
Speaker 1: the additional expenses, and like it just escalates, like the wealthier,

1008
00:44:24,160 --> 00:44:26,960
Speaker 1: the wealthier you become if you continually sign up for

1009
00:44:27,120 --> 00:44:32,600
Speaker 1: additional debt obligations. Essentially, those financial stresses can always be there.

1010
00:44:32,840 --> 00:44:35,200
Speaker 1: It's just you're stressing over things that you never would

1011
00:44:35,200 --> 00:44:37,239
Speaker 1: have thought you would have been stressing about in a

1012
00:44:37,239 --> 00:44:39,080
Speaker 1: previous line. And I guess I think I interpreted the

1013
00:44:39,160 --> 00:44:41,120
Speaker 1: question a little different because did she she said, does

1014
00:44:41,120 --> 00:44:43,400
Speaker 1: the daily stress of life go away? And look at

1015
00:44:43,480 --> 00:44:46,840
Speaker 1: Elon Musk, look at Rogates. Those guys probably pretty stressed

1016
00:44:46,880 --> 00:44:50,880
Speaker 1: out with divorces, with taking on way more than might

1017
00:44:50,920 --> 00:44:52,600
Speaker 1: not way more than they can chew buying a social

1018
00:44:52,600 --> 00:44:55,719
Speaker 1: media company. There will always be things that happened in

1019
00:44:55,760 --> 00:44:58,360
Speaker 1: the world that there will always be some sort of instant,

1020
00:44:58,480 --> 00:45:01,240
Speaker 1: like something that's gonna make you make your footing feel

1021
00:45:01,320 --> 00:45:03,000
Speaker 1: like you're standing on sand. And if you think that

1022
00:45:03,080 --> 00:45:04,920
Speaker 1: money is going to cure all of your ills, you're

1023
00:45:04,920 --> 00:45:08,839
Speaker 1: dead wrong. And so yes, yes, having more money it's

1024
00:45:08,840 --> 00:45:10,759
Speaker 1: a tool and it can help certain things, but there's

1025
00:45:10,760 --> 00:45:12,319
Speaker 1: a lot of things that it can't speak to. There's

1026
00:45:12,320 --> 00:45:14,080
Speaker 1: a lot of things that it can't fix, So you

1027
00:45:14,120 --> 00:45:16,960
Speaker 1: have to know that going into it. Joel Alex asked

1028
00:45:17,000 --> 00:45:19,600
Speaker 1: what are your favorite music genres? Okay, my all time

1029
00:45:19,600 --> 00:45:22,960
Speaker 1: favorite music genre alt country, so not radio country, but

1030
00:45:23,000 --> 00:45:27,080
Speaker 1: the old country stuff, so like old school Ryan Adams,

1031
00:45:27,640 --> 00:45:30,600
Speaker 1: like Jason Isbell, I like to try by Truckers, like

1032
00:45:30,640 --> 00:45:33,000
Speaker 1: Tyler Childer's right now or all the bands I've heard

1033
00:45:33,040 --> 00:45:36,960
Speaker 1: you mentioned, but and then just probably indie rock. So

1034
00:45:37,120 --> 00:45:38,799
Speaker 1: some people say I like all the music, and I'm

1035
00:45:38,800 --> 00:45:40,239
Speaker 1: like no, I kind of like just a little bit.

1036
00:45:40,280 --> 00:45:43,239
Speaker 1: We've got the indie rock indie rock overlap, like I

1037
00:45:43,440 --> 00:45:46,319
Speaker 1: lean more and like the electronica like post rock kind

1038
00:45:46,320 --> 00:45:49,120
Speaker 1: of genre. And so I mean for I mean, I

1039
00:45:49,120 --> 00:45:52,560
Speaker 1: still am You're a big name back guy. I don't

1040
00:45:52,560 --> 00:45:54,680
Speaker 1: listen to as much music as I used to because

1041
00:45:54,719 --> 00:45:57,520
Speaker 1: it is oftentimes filled with podcasts and audio books. But

1042
00:45:57,560 --> 00:46:00,000
Speaker 1: like Radio Ahead, I probably have listened to more Radi

1043
00:46:00,000 --> 00:46:02,560
Speaker 1: Ahead than any other band in my entire life, like

1044
00:46:02,600 --> 00:46:05,520
Speaker 1: tron like Sun Lux Tycho, So maybe a little bit

1045
00:46:05,560 --> 00:46:08,440
Speaker 1: more of that ambient electronic music. But then like like

1046
00:46:08,560 --> 00:46:11,840
Speaker 1: Bony there and like Sufion, like these are all folks

1047
00:46:11,840 --> 00:46:14,080
Speaker 1: that's we overlap. Yeah, yeah, there's a lot of bands

1048
00:46:14,080 --> 00:46:15,840
Speaker 1: that we both like. It's not but but then I

1049
00:46:15,840 --> 00:46:17,759
Speaker 1: also like there's some bluegrass that I really like. I've

1050
00:46:17,800 --> 00:46:20,680
Speaker 1: been to. I think I've seen more nickel Creek not

1051
00:46:20,840 --> 00:46:24,880
Speaker 1: nickel Back shows than any other any other band in

1052
00:46:24,920 --> 00:46:26,759
Speaker 1: my entirely be in heaven. If nickel Back opened up

1053
00:46:26,800 --> 00:46:29,560
Speaker 1: for nickel Creek, that would be like the top bailing

1054
00:46:29,560 --> 00:46:31,960
Speaker 1: for you. I wish I could even sing a line

1055
00:46:32,040 --> 00:46:34,120
Speaker 1: or two of a Nickelback song, just to drive the

1056
00:46:34,120 --> 00:46:36,799
Speaker 1: point home. But I don't. I can't. All right, So

1057
00:46:36,840 --> 00:46:38,600
Speaker 1: on that note, Sandy says, what song when it comes

1058
00:46:38,600 --> 00:46:40,600
Speaker 1: on the radio, can you not resist singing out loud

1059
00:46:40,640 --> 00:46:43,239
Speaker 1: to Also what movie? No matter when you tune in,

1060
00:46:43,480 --> 00:46:45,080
Speaker 1: do you have no choice but to stop and watch

1061
00:46:45,160 --> 00:46:46,640
Speaker 1: the rest because you love it so much? All Right?

1062
00:46:46,680 --> 00:46:49,239
Speaker 1: I got the song. I would say any song on

1063
00:46:49,480 --> 00:46:53,480
Speaker 1: Third Eye Blind's debut album, like literally, I think I

1064
00:46:53,520 --> 00:46:55,160
Speaker 1: know the words to every single song on that album

1065
00:46:55,200 --> 00:46:57,520
Speaker 1: and when I saw them live recently along the whole

1066
00:46:57,520 --> 00:47:00,879
Speaker 1: Time journey for me, probably almost any journeys, like how

1067
00:47:00,920 --> 00:47:03,359
Speaker 1: can you not try to mimic step Verry even though

1068
00:47:03,520 --> 00:47:06,440
Speaker 1: nobody can? Movie? I don't. I don't have a movie

1069
00:47:06,560 --> 00:47:09,120
Speaker 1: like I mean, honestly, movies just aren't really a part

1070
00:47:09,160 --> 00:47:12,319
Speaker 1: of our life and we It's just I don't feel

1071
00:47:12,360 --> 00:47:15,080
Speaker 1: like I can give an honest answer. Willy Wanka for me,

1072
00:47:15,080 --> 00:47:17,879
Speaker 1: will Wanka the track Collectory, not the Johnny Depp version.

1073
00:47:18,080 --> 00:47:20,880
Speaker 1: Gosh darn ITTT the original hate that one. Sorry. I

1074
00:47:21,440 --> 00:47:23,520
Speaker 1: have a lot of animosity towards the Johnny Depp version

1075
00:47:23,560 --> 00:47:26,359
Speaker 1: because it's not nearly as good and I'm obsessed, like

1076
00:47:26,360 --> 00:47:28,759
Speaker 1: will that might be? That's Top five movies of all

1077
00:47:28,800 --> 00:47:30,880
Speaker 1: time for me. So if I see it, it just

1078
00:47:30,880 --> 00:47:33,439
Speaker 1: brings back so much nostalgia and I love the Gene

1079
00:47:33,480 --> 00:47:37,080
Speaker 1: Wilder's performance in that version, so it's fantastic. Yeah, it's

1080
00:47:37,080 --> 00:47:38,680
Speaker 1: a good one. All Right, We've got more to get to.

1081
00:47:39,000 --> 00:47:42,760
Speaker 1: More ask me anything questions from you guys. Our listeners

1082
00:47:42,800 --> 00:47:46,000
Speaker 1: will will tackle a few extras right after this break.

1083
00:47:55,120 --> 00:47:57,040
Speaker 1: All right, we are back from the break, Joel. We've

1084
00:47:57,040 --> 00:47:59,600
Speaker 1: got a few more questions we're gonna get to. These

1085
00:47:59,600 --> 00:48:03,560
Speaker 1: are questions that listeners submitted in our Facebook group. Someone

1086
00:48:03,600 --> 00:48:05,400
Speaker 1: did want to know, partly because in the post I

1087
00:48:05,480 --> 00:48:08,040
Speaker 1: mentioned that we could cover your deepest, darkest secret if

1088
00:48:08,040 --> 00:48:10,080
Speaker 1: the question was asked. We don't have time for the

1089
00:48:10,120 --> 00:48:13,520
Speaker 1: actual I feel like we're even now we're gonna go. Yeah,

1090
00:48:13,560 --> 00:48:15,919
Speaker 1: it's gonna be long than usual, but okily, as Matt

1091
00:48:15,920 --> 00:48:18,000
Speaker 1: ports the soul out in this third segment, it'll be

1092
00:48:18,040 --> 00:48:19,520
Speaker 1: worth it. This one is from Michael. How do you

1093
00:48:19,520 --> 00:48:23,440
Speaker 1: guys juggle family life and podcasting life more effectively? I'm

1094
00:48:23,440 --> 00:48:26,040
Speaker 1: sure there's a learning curve, but when transitioning into self

1095
00:48:26,040 --> 00:48:29,279
Speaker 1: own business, what we're your successes and pitfalls early on

1096
00:48:29,360 --> 00:48:32,520
Speaker 1: around family life and personal life, you gotta response. So

1097
00:48:32,680 --> 00:48:35,560
Speaker 1: first things first, starting something new and trying to do

1098
00:48:35,640 --> 00:48:38,839
Speaker 1: it at a high level means extra work when you're

1099
00:48:38,840 --> 00:48:42,440
Speaker 1: getting started, and so I think the key is communication, right,

1100
00:48:42,840 --> 00:48:47,520
Speaker 1: Like having that conversation with Emily was like, Hey, if

1101
00:48:47,560 --> 00:48:49,440
Speaker 1: this is something that you're behind and you think it

1102
00:48:49,680 --> 00:48:51,439
Speaker 1: is a good idea for us to start and see

1103
00:48:51,480 --> 00:48:54,400
Speaker 1: what happens, just letting you know I'm going to be

1104
00:48:54,440 --> 00:48:56,560
Speaker 1: a little more absent and it's going to take more

1105
00:48:56,640 --> 00:48:58,480
Speaker 1: effort and work, but we think that there's light at

1106
00:48:58,480 --> 00:49:00,239
Speaker 1: the end of the tunnel that this can be some thing.

1107
00:49:00,600 --> 00:49:02,360
Speaker 1: And so you have to have buy in and everyone

1108
00:49:02,400 --> 00:49:04,000
Speaker 1: kind of has to agree, and you have to kind

1109
00:49:04,000 --> 00:49:07,000
Speaker 1: of continually come back to communicate about Okay, how's it going,

1110
00:49:07,440 --> 00:49:10,560
Speaker 1: and like are is it worth it for all the

1111
00:49:10,560 --> 00:49:13,560
Speaker 1: parties involved? So I don't know, it's a learning curve,

1112
00:49:13,600 --> 00:49:16,640
Speaker 1: but communication is key. I totally agree. Communication. And then

1113
00:49:16,680 --> 00:49:18,560
Speaker 1: I feel like, I mean, honestly, I learned a lot

1114
00:49:18,600 --> 00:49:20,960
Speaker 1: of these lessons when Kate and I started UM started

1115
00:49:20,960 --> 00:49:24,480
Speaker 1: our company doing photography, but it was our life like

1116
00:49:24,520 --> 00:49:28,760
Speaker 1: it consumed everything. It's saturated every fiber of our being,

1117
00:49:28,840 --> 00:49:30,520
Speaker 1: Like every second of the day, I felt like we

1118
00:49:30,520 --> 00:49:33,000
Speaker 1: were talking of photography stuff, and that was great and

1119
00:49:33,040 --> 00:49:35,720
Speaker 1: on one hand because it meant a very successful business,

1120
00:49:35,719 --> 00:49:39,440
Speaker 1: but on the other hand, it was detrimental to our relationship. Uh,

1121
00:49:39,480 --> 00:49:42,080
Speaker 1: there's a lot of things that we didn't prioritize because

1122
00:49:42,080 --> 00:49:45,040
Speaker 1: we were so concerned with talking about business things. And

1123
00:49:45,080 --> 00:49:47,239
Speaker 1: so what that meant is I learned that for us,

1124
00:49:47,280 --> 00:49:50,839
Speaker 1: boundaries were really stinking important. And so for for what

1125
00:49:50,920 --> 00:49:53,080
Speaker 1: you know what that means with how the money is

1126
00:49:53,600 --> 00:49:55,960
Speaker 1: keeping like fairly hard boundaries when it comes to the

1127
00:49:56,320 --> 00:49:58,120
Speaker 1: you know, the work that we do here, you know,

1128
00:49:58,160 --> 00:50:00,359
Speaker 1: for the show and then the life I lead at home,

1129
00:50:00,840 --> 00:50:02,320
Speaker 1: Like the kids like they know that I've had a

1130
00:50:02,360 --> 00:50:04,839
Speaker 1: podcast that you know, Daddy and Mr Jolie sit down

1131
00:50:04,840 --> 00:50:06,480
Speaker 1: and they talk about beer, and they kind of like,

1132
00:50:06,680 --> 00:50:08,239
Speaker 1: I feel like our kids are starting to get older,

1133
00:50:08,239 --> 00:50:09,439
Speaker 1: and they kind of make fun of us a little

1134
00:50:09,440 --> 00:50:12,600
Speaker 1: bit because they'll hear us pull up an episode in

1135
00:50:12,600 --> 00:50:14,640
Speaker 1: the car, like we'll check it to make sure certain

1136
00:50:14,640 --> 00:50:17,239
Speaker 1: things are playing properly. You know, we're not sitting down

1137
00:50:17,280 --> 00:50:19,480
Speaker 1: listening to our own show. But they always kind of

1138
00:50:19,520 --> 00:50:21,360
Speaker 1: I think they get excited when the height of humors

1139
00:50:22,000 --> 00:50:23,879
Speaker 1: when they hear our show come comes up. If you're

1140
00:50:23,880 --> 00:50:25,200
Speaker 1: that in love with the sound of your own voice.

1141
00:50:25,239 --> 00:50:27,960
Speaker 1: But but otherwise they don't really know much of what

1142
00:50:28,000 --> 00:50:30,160
Speaker 1: we do. And for me, I think that's that's something

1143
00:50:30,480 --> 00:50:32,719
Speaker 1: that's something I'm proud. I'm proud of. Um. Granted, there's

1144
00:50:32,719 --> 00:50:35,200
Speaker 1: some overlap if I'm I'll read an article or read

1145
00:50:35,200 --> 00:50:36,600
Speaker 1: a book or something like that that has to do

1146
00:50:36,640 --> 00:50:39,239
Speaker 1: with work at home, because I'm just interested in it,

1147
00:50:39,320 --> 00:50:41,759
Speaker 1: and there's certainly some overlap. But for the most part

1148
00:50:42,120 --> 00:50:44,239
Speaker 1: in my life at least, it means they're they're some

1149
00:50:44,280 --> 00:50:47,120
Speaker 1: clear boundaries between work life and personal life. And that's

1150
00:50:47,120 --> 00:50:49,520
Speaker 1: probably to Matt while why you and I we don't

1151
00:50:49,520 --> 00:50:51,480
Speaker 1: put ourselves out there on Instagram a whole lot. It

1152
00:50:51,480 --> 00:50:53,680
Speaker 1: would just be more invasive. And it's it's not that

1153
00:50:53,719 --> 00:50:57,760
Speaker 1: we're against obviously we're answering all of your questions today

1154
00:50:57,760 --> 00:50:59,799
Speaker 1: on today's episode. We don't mind sharing those things, but

1155
00:50:59,840 --> 00:51:02,640
Speaker 1: we working right now, yes, and when it breaks into

1156
00:51:02,760 --> 00:51:05,319
Speaker 1: kind of our personal time, our personal lives, uh, it's

1157
00:51:05,640 --> 00:51:09,239
Speaker 1: we love meaning listeners, listener hangouts, we love answering your questions, like,

1158
00:51:09,560 --> 00:51:12,600
Speaker 1: we love that engagement. But typically between the hours of

1159
00:51:12,760 --> 00:51:16,560
Speaker 1: like like Monday through Thursday, half days on Fridays, and

1160
00:51:16,600 --> 00:51:18,520
Speaker 1: if we get whatever we can cram into there and

1161
00:51:18,600 --> 00:51:21,640
Speaker 1: at that time it's like pure joy and uh yeah,

1162
00:51:21,640 --> 00:51:24,120
Speaker 1: So so for us, we gotta we gotta make sure

1163
00:51:24,239 --> 00:51:27,759
Speaker 1: we keep those barriers intact so it doesn't feel like

1164
00:51:27,760 --> 00:51:30,720
Speaker 1: it's overwhelming, uh, the things we get to do and

1165
00:51:30,719 --> 00:51:34,560
Speaker 1: and enjoy at home, because that's the reason we're working right, uh,

1166
00:51:34,680 --> 00:51:37,600
Speaker 1: to sustain our families and to be able to really

1167
00:51:37,680 --> 00:51:40,160
Speaker 1: enjoy the time that we have away from here to

1168
00:51:40,440 --> 00:51:42,640
Speaker 1: all right, Michael says, and this is interesting, one says,

1169
00:51:42,680 --> 00:51:46,360
Speaker 1: most of the people advising folks on financial stability didn't

1170
00:51:46,360 --> 00:51:48,799
Speaker 1: get their wealth doing what they preached. They amassed it

1171
00:51:48,840 --> 00:51:51,839
Speaker 1: by selling a service teaching you about it. He says,

1172
00:51:51,840 --> 00:51:54,000
Speaker 1: I'd be curious to get a glimpse inside the financials

1173
00:51:54,040 --> 00:51:57,880
Speaker 1: of how running a podcast, investment properties, etcetera. Produces income

1174
00:51:57,920 --> 00:52:01,160
Speaker 1: in your cases. In the past, you've referenced spouses education

1175
00:52:01,160 --> 00:52:04,399
Speaker 1: goals and expected job dividends, etcetera. But I don't think

1176
00:52:04,400 --> 00:52:08,160
Speaker 1: i've ever heard personal results. Well, okay, so Michael, you

1177
00:52:08,320 --> 00:52:11,120
Speaker 1: know you're saying that other folks are would he said,

1178
00:52:11,120 --> 00:52:14,040
Speaker 1: selling a service teaching you about it? And I would

1179
00:52:14,120 --> 00:52:16,319
Speaker 1: argue that is not all that different than what we

1180
00:52:16,360 --> 00:52:18,480
Speaker 1: are actually doing here on the show. I think that's

1181
00:52:18,480 --> 00:52:20,080
Speaker 1: what he's saying. He's saying, like, so how do you

1182
00:52:20,480 --> 00:52:23,040
Speaker 1: did you guys? Are you guys only making money from

1183
00:52:23,040 --> 00:52:25,239
Speaker 1: the podcast or did were you? I read his question

1184
00:52:25,280 --> 00:52:28,280
Speaker 1: as in like, like, you guys are practicing what you're preaching.

1185
00:52:28,480 --> 00:52:29,920
Speaker 1: But what I'm saying is that, like I feel like

1186
00:52:29,920 --> 00:52:31,839
Speaker 1: we're more we've got more in common with those other

1187
00:52:31,840 --> 00:52:34,000
Speaker 1: folks who are out there selling themselves on the internet

1188
00:52:34,040 --> 00:52:36,279
Speaker 1: than maybe it would appear, right like, I mean, like

1189
00:52:36,320 --> 00:52:39,279
Speaker 1: those folks have courses and classes and mastermind groups and

1190
00:52:39,280 --> 00:52:41,919
Speaker 1: all that kind of stuff that they're selling, and that's

1191
00:52:41,960 --> 00:52:45,360
Speaker 1: one model. But for us, like we're talking about similar things,

1192
00:52:45,360 --> 00:52:47,319
Speaker 1: but we just have advertising. And so I guess what

1193
00:52:47,320 --> 00:52:49,720
Speaker 1: I'm highlighting here is that we're not all that different

1194
00:52:49,760 --> 00:52:52,080
Speaker 1: I guess maybe from some of the other content creators

1195
00:52:52,080 --> 00:52:54,280
Speaker 1: out there. But maybe what's different than is the spirit

1196
00:52:54,640 --> 00:52:57,600
Speaker 1: in which we do things where we're not I mean,

1197
00:52:57,680 --> 00:52:59,160
Speaker 1: sort of like what we were saying earlier, you know,

1198
00:52:59,200 --> 00:53:02,560
Speaker 1: the ability to ask the question is this something that's

1199
00:53:02,560 --> 00:53:04,880
Speaker 1: going to be able to provide value to listeners? Being

1200
00:53:04,920 --> 00:53:07,800
Speaker 1: able to run decisions through that filter helps us to

1201
00:53:08,360 --> 00:53:11,040
Speaker 1: maybe approach everything that we do with a slightly different

1202
00:53:11,040 --> 00:53:14,080
Speaker 1: spirit than just what's that gonna mean for our bottom line?

1203
00:53:14,120 --> 00:53:16,000
Speaker 1: Like how's this, how's this going to affect the income?

1204
00:53:16,239 --> 00:53:18,080
Speaker 1: That's not the question that you and I are asking

1205
00:53:18,160 --> 00:53:20,440
Speaker 1: our right. Well, we also talk about things on the

1206
00:53:20,440 --> 00:53:23,160
Speaker 1: show that we have done personally, things that we've studied

1207
00:53:23,160 --> 00:53:25,719
Speaker 1: this stuff extensively and we've put it into practice. And

1208
00:53:25,760 --> 00:53:28,319
Speaker 1: so I think there is the reality that we've talked

1209
00:53:28,320 --> 00:53:29,799
Speaker 1: about on the show before, Matt, there's a lot of

1210
00:53:30,160 --> 00:53:33,280
Speaker 1: TikTok influencers the meanwhile, they just don't have the knowledge

1211
00:53:33,400 --> 00:53:35,719
Speaker 1: and they don't have the depth of knowledge from doing

1212
00:53:35,760 --> 00:53:37,920
Speaker 1: it for a lot of years. You have started your

1213
00:53:37,920 --> 00:53:40,560
Speaker 1: own business. You and I have been personal finance nerds

1214
00:53:40,560 --> 00:53:44,439
Speaker 1: on this journey for at least fifteen years, and so

1215
00:53:44,680 --> 00:53:47,520
Speaker 1: uh and it was my full time job producing personal

1216
00:53:47,560 --> 00:53:50,040
Speaker 1: finance radio show for fifteen years. So it's one of

1217
00:53:50,080 --> 00:53:53,920
Speaker 1: those things where yeah, we're not financially independent right now,

1218
00:53:54,040 --> 00:53:56,839
Speaker 1: right and income from the podcast is a good thing.

1219
00:53:57,280 --> 00:53:59,520
Speaker 1: It does help us put food on the table. But

1220
00:53:59,560 --> 00:54:02,320
Speaker 1: I mean, I say, like, so he was sorry to interrupt,

1221
00:54:02,360 --> 00:54:04,080
Speaker 1: like he was asking to like how much of our income?

1222
00:54:04,120 --> 00:54:05,920
Speaker 1: Maybe he's asking that right, Like how much of it

1223
00:54:06,000 --> 00:54:09,040
Speaker 1: does come from the podcast, and we don't have exact numbers,

1224
00:54:09,040 --> 00:54:11,319
Speaker 1: but like the majority of our income does come from

1225
00:54:11,400 --> 00:54:13,480
Speaker 1: the podcast. We which have a handful of brunt of properties,

1226
00:54:13,480 --> 00:54:16,919
Speaker 1: which definitely which means that we have uh income from

1227
00:54:17,160 --> 00:54:19,880
Speaker 1: other areas. And so do we need the income from

1228
00:54:19,920 --> 00:54:22,640
Speaker 1: the podcast, Like, yeah, we do need to from the

1229
00:54:22,640 --> 00:54:25,600
Speaker 1: podcast right now? Do we need it five years from now? No,

1230
00:54:25,880 --> 00:54:29,120
Speaker 1: Like we've we've built up a reservoir as we've invested

1231
00:54:29,640 --> 00:54:32,680
Speaker 1: intelligently over the years, and so now like if if

1232
00:54:32,880 --> 00:54:35,319
Speaker 1: the revenue of the podcast went to zero, that would

1233
00:54:35,360 --> 00:54:38,640
Speaker 1: be that would be difficult, right, It's but but we

1234
00:54:38,680 --> 00:54:41,879
Speaker 1: are not, like you said, selling a service teaching people

1235
00:54:41,920 --> 00:54:44,839
Speaker 1: about it. We have over the years, I would say,

1236
00:54:45,360 --> 00:54:47,520
Speaker 1: amassed our wealth by doing the things we talked about,

1237
00:54:47,719 --> 00:54:51,719
Speaker 1: and now putting those out in podcast format is is

1238
00:54:51,719 --> 00:54:54,400
Speaker 1: a way to continue making money. But it is also

1239
00:54:54,520 --> 00:54:57,800
Speaker 1: something that we're passionate about and that we have extensive

1240
00:54:57,800 --> 00:55:00,600
Speaker 1: knowledge about, that we talk about regularly totally well. And and

1241
00:55:00,480 --> 00:55:03,400
Speaker 1: and the fact is if we let's let's say for instance,

1242
00:55:03,440 --> 00:55:06,640
Speaker 1: that I heard just got cane sold or went bankrupt

1243
00:55:06,719 --> 00:55:10,640
Speaker 1: or something like that, Um, we could totally survive without

1244
00:55:10,680 --> 00:55:13,440
Speaker 1: income from the podcast. It's something that we are leaning

1245
00:55:13,480 --> 00:55:16,560
Speaker 1: into right now because honestly, it's the most fun thing

1246
00:55:16,600 --> 00:55:17,960
Speaker 1: that I do every day when it comes to the

1247
00:55:17,960 --> 00:55:20,640
Speaker 1: work that I do. Uh, it currently does make the

1248
00:55:20,680 --> 00:55:23,759
Speaker 1: most money from a time spent, but it also has

1249
00:55:24,040 --> 00:55:26,680
Speaker 1: the most potential as well. It totally has the most

1250
00:55:26,680 --> 00:55:29,640
Speaker 1: future potential, but the ability there there's other things that

1251
00:55:29,680 --> 00:55:33,120
Speaker 1: we are both interested in, and I think it would

1252
00:55:33,120 --> 00:55:35,040
Speaker 1: not be difficult for us to kind of fire up

1253
00:55:35,080 --> 00:55:38,799
Speaker 1: these alternative sources of income if we wanted to. If

1254
00:55:38,920 --> 00:55:41,360
Speaker 1: all of a sudden, I had eight hours of my

1255
00:55:41,400 --> 00:55:43,680
Speaker 1: day back every single day too, then focus Like it

1256
00:55:43,719 --> 00:55:46,440
Speaker 1: makes me think about the like you hired property management recently,

1257
00:55:46,640 --> 00:55:49,400
Speaker 1: and does that eat into your rental property income totally?

1258
00:55:49,680 --> 00:55:52,160
Speaker 1: But you're able to use that time in ways that

1259
00:55:52,200 --> 00:55:54,200
Speaker 1: you want to, whether it be with how the money

1260
00:55:54,320 --> 00:55:56,239
Speaker 1: or just the other things you're interested in. And so

1261
00:55:56,360 --> 00:55:59,160
Speaker 1: there's there's different trade offs that you make throughout life,

1262
00:55:59,360 --> 00:56:01,759
Speaker 1: and I think what's important is to for there to

1263
00:56:01,800 --> 00:56:04,600
Speaker 1: be multiple options available to you. That doesn't mean that

1264
00:56:04,640 --> 00:56:07,360
Speaker 1: at certain times, at different given points in time, that

1265
00:56:07,400 --> 00:56:10,640
Speaker 1: you're not leaning into one of those areas a little

1266
00:56:10,760 --> 00:56:13,759
Speaker 1: more heavily than you otherwise would Does that make sense?

1267
00:56:13,760 --> 00:56:16,160
Speaker 1: You know it does, And I think the reality is

1268
00:56:16,200 --> 00:56:18,279
Speaker 1: there are a lot of people out there who have

1269
00:56:18,400 --> 00:56:21,839
Speaker 1: dabbled in some of these ideas who are still kind

1270
00:56:21,840 --> 00:56:24,200
Speaker 1: of fresh and new, but they do they are good

1271
00:56:24,239 --> 00:56:27,360
Speaker 1: at social media or they are good at online content,

1272
00:56:27,760 --> 00:56:31,040
Speaker 1: and so they're trying to make their money on the

1273
00:56:31,040 --> 00:56:33,400
Speaker 1: backs of teaching people in a way that might be

1274
00:56:33,440 --> 00:56:36,640
Speaker 1: costly to them, although beneficial for the creator themselves. And

1275
00:56:36,680 --> 00:56:39,799
Speaker 1: so that is our goal is to avoid that. We

1276
00:56:40,080 --> 00:56:42,560
Speaker 1: I know podcast ads are annoying, but it's our goal

1277
00:56:42,600 --> 00:56:45,600
Speaker 1: to keep how to money content like free and readily available.

1278
00:56:45,640 --> 00:56:48,520
Speaker 1: We think that it's uh, it's advice and information that

1279
00:56:48,560 --> 00:56:51,319
Speaker 1: the masses need to hear, that that everyone out there

1280
00:56:51,320 --> 00:56:55,000
Speaker 1: needs access to. And uh, there's nothing that needs to

1281
00:56:55,000 --> 00:56:57,359
Speaker 1: be behind a multi hundred dollar paywall. Uh and and

1282
00:56:57,400 --> 00:56:59,680
Speaker 1: hopefully we can keep all the content that we create

1283
00:57:00,040 --> 00:57:02,759
Speaker 1: re accessible down to earth. That's the goal absolutely. All right,

1284
00:57:02,800 --> 00:57:05,359
Speaker 1: let's hear from Katie. She said, I told a friend

1285
00:57:05,400 --> 00:57:08,360
Speaker 1: of mine about your podcast and your craft beer equivalent angle.

1286
00:57:08,560 --> 00:57:11,120
Speaker 1: Her response was the problem is I have too many

1287
00:57:11,160 --> 00:57:14,279
Speaker 1: craft beer equivalents. So what would your advice be for

1288
00:57:14,320 --> 00:57:16,560
Speaker 1: someone like this who has a hard time narrowing down

1289
00:57:16,600 --> 00:57:19,040
Speaker 1: a few areas to splurge on. Jilly, you have advice

1290
00:57:19,080 --> 00:57:21,800
Speaker 1: for Katie's friend, I would send her our Money Mission Statement.

1291
00:57:21,920 --> 00:57:25,240
Speaker 1: It is something. It's speaking of free resources. This is

1292
00:57:25,280 --> 00:57:26,920
Speaker 1: notthing Matt and I took our time to create. We

1293
00:57:26,960 --> 00:57:29,560
Speaker 1: think that walking through these questions and answering them will

1294
00:57:29,600 --> 00:57:32,320
Speaker 1: be helpful to you and will be helpful, specifically to

1295
00:57:32,360 --> 00:57:34,960
Speaker 1: your friend Katie as she's trying to hone in on

1296
00:57:35,000 --> 00:57:38,120
Speaker 1: a why. We We think that when what it's it's

1297
00:57:38,240 --> 00:57:41,120
Speaker 1: the Nietzche quote Matt, that he who has any y

1298
00:57:41,240 --> 00:57:45,000
Speaker 1: can bear anyhow. It makes it easier to forego like

1299
00:57:45,200 --> 00:57:48,320
Speaker 1: frivolous purchases when you have a deeper y attached to

1300
00:57:48,560 --> 00:57:50,760
Speaker 1: where your money is going. So, if you know, I'm

1301
00:57:50,760 --> 00:57:52,520
Speaker 1: saving up for this really important goal over here, it's

1302
00:57:52,520 --> 00:57:55,600
Speaker 1: gonna take me like sixteen months to get there. Well,

1303
00:57:55,760 --> 00:57:58,400
Speaker 1: if you have a problem with frivolous purchases, it's it's

1304
00:57:58,440 --> 00:58:00,840
Speaker 1: actually going to help keep those in line when you

1305
00:58:00,880 --> 00:58:03,000
Speaker 1: know the bigger, more important thing that you're saving for.

1306
00:58:03,480 --> 00:58:06,320
Speaker 1: So yeah, the Money Mission Statement hopefully will be helpful

1307
00:58:06,360 --> 00:58:09,000
Speaker 1: to her. It's free download a pdf will link to

1308
00:58:09,040 --> 00:58:12,240
Speaker 1: in the show notes. Knowing, Yeah, honing in on your wife,

1309
00:58:12,280 --> 00:58:15,640
Speaker 1: spending some time doing a little bit of like interior looking,

1310
00:58:16,280 --> 00:58:18,880
Speaker 1: I think can help you figure out what matters to you.

1311
00:58:19,160 --> 00:58:23,080
Speaker 1: And then just in that process it almost by necessity,

1312
00:58:23,280 --> 00:58:25,680
Speaker 1: devalues a whole lot of other things that you did

1313
00:58:25,840 --> 00:58:29,000
Speaker 1: kind of uh prioritized at least to some degree. That's right, man,

1314
00:58:29,080 --> 00:58:30,880
Speaker 1: I love it. Can I just say to like, I

1315
00:58:30,920 --> 00:58:33,720
Speaker 1: think if you have a ton of crappy equivalents, maybe

1316
00:58:33,760 --> 00:58:36,120
Speaker 1: you don't really get what that means, because I think

1317
00:58:36,160 --> 00:58:37,840
Speaker 1: you have to zero in on a few things, and

1318
00:58:38,000 --> 00:58:40,520
Speaker 1: and you can, you can say that everything matters, but

1319
00:58:40,520 --> 00:58:42,560
Speaker 1: then if everything matters, then nothing really mad. And so

1320
00:58:42,640 --> 00:58:44,400
Speaker 1: you have to prioritize a few things, like what are

1321
00:58:44,480 --> 00:58:46,439
Speaker 1: the things that really really move the needle in your life.

1322
00:58:46,520 --> 00:58:48,360
Speaker 1: The more you can focus on those things, zero in

1323
00:58:48,440 --> 00:58:52,360
Speaker 1: on on those things, pour your money intentionally into those areas, Uh,

1324
00:58:52,400 --> 00:58:54,360
Speaker 1: it's going to move the needle, and then those other

1325
00:58:54,400 --> 00:58:56,280
Speaker 1: things are gonna look like, well, they don't really matter

1326
00:58:56,320 --> 00:58:58,240
Speaker 1: in light of that. Yeah. Yeah, A lot of times

1327
00:58:58,240 --> 00:58:59,840
Speaker 1: it takes a little bit of soul searching to figure

1328
00:58:59,840 --> 00:59:03,919
Speaker 1: out what it is you truly value. Becca asked, she said,

1329
00:59:03,920 --> 00:59:06,960
Speaker 1: favorite places you've traveled to and places you most want

1330
00:59:07,040 --> 00:59:10,040
Speaker 1: to travel to if money or life phase for instance,

1331
00:59:10,120 --> 00:59:13,960
Speaker 1: kids were no object. Joel, I'm just saying, probably our

1332
00:59:14,000 --> 00:59:16,280
Speaker 1: trip to Norway Emily and I, just the two of us,

1333
00:59:16,360 --> 00:59:19,320
Speaker 1: was the best trip we've ever taken. Scotland is probably

1334
00:59:19,360 --> 00:59:22,840
Speaker 1: the place we most want to go. You Scotland absolutely,

1335
00:59:22,880 --> 00:59:26,800
Speaker 1: because it combines two things I love, fantastic drink with

1336
00:59:26,880 --> 00:59:30,320
Speaker 1: a country that is beautiful. And we're actually kind of

1337
00:59:30,320 --> 00:59:32,120
Speaker 1: talking with a friend of ours actually who's over in

1338
00:59:32,120 --> 00:59:34,200
Speaker 1: Scotland and we're trying to find a way to make

1339
00:59:34,240 --> 00:59:37,240
Speaker 1: this trip happen. But yeah, I mean generally speaking, like

1340
00:59:37,280 --> 00:59:39,280
Speaker 1: when I think about some of the favorite trips that

1341
00:59:39,280 --> 00:59:41,959
Speaker 1: that Kate and I go on, it it oftentimes does

1342
00:59:42,320 --> 00:59:45,760
Speaker 1: include natural beauty and just amazing food or drink. Are

1343
00:59:45,800 --> 00:59:49,520
Speaker 1: usually a Bucky's for you, not not a Bucky's. But like,

1344
00:59:49,720 --> 00:59:51,760
Speaker 1: so you mentioned a road trip that that you went

1345
00:59:51,800 --> 00:59:54,080
Speaker 1: on with your friend like years ago. Kid and I

1346
00:59:54,160 --> 00:59:55,680
Speaker 1: we've only ever done this once, but we took a

1347
00:59:55,760 --> 00:59:59,440
Speaker 1: road trip out west and randomly kind of stopped in

1348
00:59:59,640 --> 01:00:03,320
Speaker 1: at some the different wineries in Napa and Sonoma, and

1349
01:00:03,400 --> 01:00:06,000
Speaker 1: we could not believe how much we loved it out there,

1350
01:00:06,000 --> 01:00:08,720
Speaker 1: because I mean, obviously you're you've got some amazing wine,

1351
01:00:09,040 --> 01:00:11,000
Speaker 1: you're there talking to other folks who also are into it,

1352
01:00:11,120 --> 01:00:12,920
Speaker 1: but then they've got these trails that you can go

1353
01:00:13,000 --> 01:00:15,440
Speaker 1: hiking on, and so it was just this perfect combination

1354
01:00:15,600 --> 01:00:18,560
Speaker 1: of enjoying the land but then enjoying the fruits of

1355
01:00:18,560 --> 01:00:20,680
Speaker 1: the land. I don't know that there's just something fully

1356
01:00:20,840 --> 01:00:23,240
Speaker 1: encompassing and where it felt like we were just fully

1357
01:00:23,280 --> 01:00:27,080
Speaker 1: immersed within this particular region, and I think, yeah, in

1358
01:00:27,120 --> 01:00:29,760
Speaker 1: a similar way, we would also get that in Scotland,

1359
01:00:29,800 --> 01:00:31,480
Speaker 1: and so yeah, that's definitely at the top of our

1360
01:00:31,480 --> 01:00:34,360
Speaker 1: list as well. So hopefully how the money tripped there

1361
01:00:34,440 --> 01:00:36,959
Speaker 1: soon all right? Shari says, what's one piece of non

1362
01:00:37,000 --> 01:00:39,800
Speaker 1: financial advice you want to instill in your kids? She's

1363
01:00:39,920 --> 01:00:42,680
Speaker 1: another big one. Do you have an answer for this one?

1364
01:00:42,760 --> 01:00:45,360
Speaker 1: I mean, just the thing I tell my kids all

1365
01:00:45,360 --> 01:00:47,160
Speaker 1: the time, and it's what I want them to know

1366
01:00:47,240 --> 01:00:49,880
Speaker 1: is that they can do hard things. I think, especially

1367
01:00:50,000 --> 01:00:53,760
Speaker 1: in an era of great wealth in this country where

1368
01:00:53,840 --> 01:00:55,960
Speaker 1: we have a lot of things at our fingertips where

1369
01:00:55,960 --> 01:00:58,320
Speaker 1: we can order something on Amazon and get it that

1370
01:00:58,400 --> 01:01:02,160
Speaker 1: day or the next day. Uh, it's easy to become soft,

1371
01:01:02,600 --> 01:01:06,680
Speaker 1: and the reality is, like, we need to know that

1372
01:01:06,760 --> 01:01:09,280
Speaker 1: we can do hard things. It is a comforting reality.

1373
01:01:09,360 --> 01:01:11,120
Speaker 1: And so I want to push my kids in that direction,

1374
01:01:11,320 --> 01:01:13,960
Speaker 1: not like make them sleep outside and the freezing cold

1375
01:01:14,040 --> 01:01:16,240
Speaker 1: or anything like that to develop some sort of hardness,

1376
01:01:16,280 --> 01:01:17,840
Speaker 1: but I want them to know they can do hard

1377
01:01:17,840 --> 01:01:19,880
Speaker 1: things and to tackle hard things, because I think that's

1378
01:01:19,880 --> 01:01:21,919
Speaker 1: where a lot of the joy in life comes from. Nice.

1379
01:01:22,000 --> 01:01:23,520
Speaker 1: I love it. I'm gonna take it back to a

1380
01:01:23,560 --> 01:01:26,920
Speaker 1: recurring theme love. Uh. Maybe when we're talking about faith

1381
01:01:26,920 --> 01:01:30,560
Speaker 1: earlier on, I feel like that's kind of the underpinning

1382
01:01:30,640 --> 01:01:33,640
Speaker 1: of so much of what I at least try to

1383
01:01:33,640 --> 01:01:36,040
Speaker 1: do right and what it is that I that we're

1384
01:01:36,080 --> 01:01:38,600
Speaker 1: trying to teach our kids. I mean, straight from the Bible.

1385
01:01:38,680 --> 01:01:41,640
Speaker 1: Greater love has no one than this, he who lays

1386
01:01:41,640 --> 01:01:45,200
Speaker 1: down his life for his friends. That's a loose translation,

1387
01:01:45,960 --> 01:01:49,240
Speaker 1: but again, the ability to refer back to that and

1388
01:01:49,280 --> 01:01:52,880
Speaker 1: find ways to put others before yourself. I think that

1389
01:01:53,200 --> 01:01:55,880
Speaker 1: if I had to like distill it down, boil it

1390
01:01:55,920 --> 01:01:57,480
Speaker 1: down to you know, what it is we're trying to

1391
01:01:57,480 --> 01:02:00,320
Speaker 1: teach our kids, it would be that. Uh. And again

1392
01:02:00,360 --> 01:02:02,760
Speaker 1: you can take that and go in whatever direction you want.

1393
01:02:02,840 --> 01:02:04,280
Speaker 1: You can take that and then go in the financial

1394
01:02:04,360 --> 01:02:06,360
Speaker 1: direction and figure out how that applies to your money.

1395
01:02:06,400 --> 01:02:08,800
Speaker 1: But that would be my my response there, Joel. Let's

1396
01:02:08,800 --> 01:02:11,160
Speaker 1: get to our last question. This is from Tori and

1397
01:02:11,240 --> 01:02:12,840
Speaker 1: she said, if you had to pick an all time

1398
01:02:13,080 --> 01:02:16,200
Speaker 1: favorite beer, what would it be? And also Joshua asked

1399
01:02:16,240 --> 01:02:18,400
Speaker 1: if there was only one style of beer that you

1400
01:02:18,440 --> 01:02:20,160
Speaker 1: could have for the rest of your life, what would

1401
01:02:20,200 --> 01:02:23,480
Speaker 1: it be. This is again one of those impossible questions.

1402
01:02:23,520 --> 01:02:25,400
Speaker 1: But do you do you have a favorite all time

1403
01:02:25,440 --> 01:02:28,320
Speaker 1: beer jewel? You know, not really, but I would say

1404
01:02:28,400 --> 01:02:30,440
Speaker 1: i'd associated with the memory. So when Emily and I

1405
01:02:30,480 --> 01:02:33,400
Speaker 1: were in Belgium, I just remember going to the canton

1406
01:02:33,840 --> 01:02:37,000
Speaker 1: and ranking and drinking from the source, and so that

1407
01:02:37,000 --> 01:02:39,760
Speaker 1: that's probably my favorite beer memory is those two days

1408
01:02:39,800 --> 01:02:42,560
Speaker 1: with her at canton. But yeah, I don't know, any

1409
01:02:42,640 --> 01:02:45,240
Speaker 1: raspberry sour it's probably my favorite. Like that'd be the

1410
01:02:45,240 --> 01:02:48,439
Speaker 1: this style that I'm really fond of. What what would

1411
01:02:48,440 --> 01:02:49,760
Speaker 1: I want for the rest of my life? I don't know,

1412
01:02:49,800 --> 01:02:51,880
Speaker 1: probably like the finest hazy I p a s in

1413
01:02:51,880 --> 01:02:54,320
Speaker 1: all likelihood, but I love food hours too, So I

1414
01:02:54,360 --> 01:02:56,680
Speaker 1: mean each beer has its own time. You know, I

1415
01:02:56,680 --> 01:02:58,840
Speaker 1: mean there there, I want different beers at different points

1416
01:02:58,840 --> 01:03:01,320
Speaker 1: in the year, and I can't even like the season

1417
01:03:01,400 --> 01:03:04,640
Speaker 1: right now, I know. Like so I would say an

1418
01:03:04,720 --> 01:03:08,040
Speaker 1: underlying theme of all of my favorite beer is oftentimes

1419
01:03:08,200 --> 01:03:10,040
Speaker 1: is that they're barrel aged. And so whether that's a

1420
01:03:10,080 --> 01:03:14,240
Speaker 1: barrel aged sour, a barrel age stouts, but anytime a

1421
01:03:14,320 --> 01:03:18,080
Speaker 1: brewery is able to pull that off, man aging beers

1422
01:03:18,160 --> 01:03:21,360
Speaker 1: on would add such an additional level of complexity of

1423
01:03:21,400 --> 01:03:23,800
Speaker 1: flavor that just takes it up to the next level.

1424
01:03:23,840 --> 01:03:26,520
Speaker 1: Would you drink a barrel aged bud light. I'd give

1425
01:03:26,520 --> 01:03:28,680
Speaker 1: it a shot. I totally would, because honestly, that kind

1426
01:03:28,680 --> 01:03:32,120
Speaker 1: of sounds like innocent gun out of the UK whatever

1427
01:03:32,360 --> 01:03:34,439
Speaker 1: somewhere out of Europe. I'm sure innocent gun is better

1428
01:03:34,440 --> 01:03:36,080
Speaker 1: than that. But those are I don't know, those are

1429
01:03:36,080 --> 01:03:37,920
Speaker 1: some bales or loggers or something like that that are

1430
01:03:37,920 --> 01:03:41,080
Speaker 1: barrel aged. But I love that taste of oak or

1431
01:03:41,160 --> 01:03:43,600
Speaker 1: whatever woods that they that they choose. And so I

1432
01:03:43,640 --> 01:03:48,080
Speaker 1: don't have a particular favorite beer or even a favorite style,

1433
01:03:48,200 --> 01:03:50,840
Speaker 1: but barrel age sours, barrel aged stouts, and those delicious

1434
01:03:50,880 --> 01:03:53,640
Speaker 1: hazy I p a s That'll be my non answer,

1435
01:03:54,240 --> 01:03:56,280
Speaker 1: uh to Tori in the job. But I think the

1436
01:03:56,320 --> 01:04:01,120
Speaker 1: best like memories associated with great things to me are

1437
01:04:01,360 --> 01:04:05,320
Speaker 1: what you know. It enhances the ability of the taste

1438
01:04:05,360 --> 01:04:08,880
Speaker 1: is one thing, but like, how much more meaningful is

1439
01:04:09,000 --> 01:04:10,600
Speaker 1: the glass of wine you had when you were in

1440
01:04:10,640 --> 01:04:14,000
Speaker 1: Sonoma versus the bottle maybe you drink when he's the

1441
01:04:14,000 --> 01:04:15,760
Speaker 1: one you bought at the grocery store, maybe even from

1442
01:04:15,760 --> 01:04:21,160
Speaker 1: the same vineyard. Right. Uh, there's something about being there, participating, partaking, um,

1443
01:04:21,200 --> 01:04:23,560
Speaker 1: which is why going back to Becca's question about where

1444
01:04:23,600 --> 01:04:26,000
Speaker 1: to travel, it's got to include somewhere with either good

1445
01:04:26,000 --> 01:04:29,000
Speaker 1: food or good drink and good nature. It's still important

1446
01:04:29,240 --> 01:04:32,240
Speaker 1: for sure. All Right, Well, um, that's enough. Yeah, that

1447
01:04:32,320 --> 01:04:33,680
Speaker 1: was a lot to wrap it up. Yeah, thank you

1448
01:04:33,680 --> 01:04:36,840
Speaker 1: guys so much for submitting those questions. Some easy ones,

1449
01:04:36,920 --> 01:04:39,080
Speaker 1: some hard ones, but a lot of fun to get

1450
01:04:39,120 --> 01:04:40,760
Speaker 1: to go over those. And maybe we'll do another one

1451
01:04:40,800 --> 01:04:43,480
Speaker 1: in the future if if you have more hard hitting

1452
01:04:43,560 --> 01:04:45,800
Speaker 1: a m A. Questions for the hat of money, guys,

1453
01:04:45,800 --> 01:04:48,720
Speaker 1: we'll build another year. Yeah all right, but let's get

1454
01:04:48,720 --> 01:04:50,680
Speaker 1: back to the beer we had on this episode, Matt.

1455
01:04:50,720 --> 01:04:52,400
Speaker 1: This one was called Double Top Double I p A.

1456
01:04:52,680 --> 01:04:55,240
Speaker 1: It was a collab between our local Body bottle shop

1457
01:04:55,480 --> 01:05:00,000
Speaker 1: Sprayberry Bottle Shop and Academia Brewing Company. What are your thoughts? Uh?

1458
01:05:00,000 --> 01:05:01,760
Speaker 1: I thought it was really solid. Man. It has been

1459
01:05:01,800 --> 01:05:04,240
Speaker 1: a minute since we've had a hazy I p a

1460
01:05:04,320 --> 01:05:06,480
Speaker 1: let alone a double here on the show, and because

1461
01:05:06,560 --> 01:05:09,480
Speaker 1: of my the slight cold that I have, I'm not

1462
01:05:09,560 --> 01:05:11,520
Speaker 1: totally sure if I was able to pick up all

1463
01:05:11,720 --> 01:05:15,440
Speaker 1: the nuances of flavor of the different types of pops

1464
01:05:15,560 --> 01:05:17,600
Speaker 1: that they used to say that. There wasn't a ton

1465
01:05:17,640 --> 01:05:19,360
Speaker 1: of nuance, So I don't think it's your cold, and

1466
01:05:19,400 --> 01:05:21,720
Speaker 1: it wasn't. It wasn't me. It was good. It's a

1467
01:05:21,760 --> 01:05:24,000
Speaker 1: little sweet, a little sweet for my take, but it

1468
01:05:24,080 --> 01:05:25,800
Speaker 1: was still. It was still I would say it slid. Yeah,

1469
01:05:25,800 --> 01:05:27,600
Speaker 1: solid beer. I'm glad you and I were able to

1470
01:05:27,680 --> 01:05:29,920
Speaker 1: enjoy this one today on the podcast, man, but that

1471
01:05:30,440 --> 01:05:32,360
Speaker 1: it's going to be it for this episode. We actually

1472
01:05:32,520 --> 01:05:34,880
Speaker 1: did refer to a couple of resources like the Money

1473
01:05:34,920 --> 01:05:37,040
Speaker 1: Mission statements. That will be sure to link to that

1474
01:05:37,240 --> 01:05:39,240
Speaker 1: and others up on our show notes on the website

1475
01:05:39,280 --> 01:05:41,680
Speaker 1: at how the Money dot com for sure. But until

1476
01:05:41,720 --> 01:05:45,280
Speaker 1: next time, Matt, best Friends Out and Best Friends Out