WEBVTT - AMA: Better Know the Podcast Hosts! #602 0:00:00.160 --> 0:00:03.279 Welcome to How the Money. I'm Joel and I am Matt, 0:00:03.279 --> 0:00:05.440 and today we're hosting an A m A so you 0:00:05.480 --> 0:00:28.120 can better know your podcast host. That's right, buddy, this 0:00:28.240 --> 0:00:31.160 is a This is like an How the Money unplugged. 0:00:32.360 --> 0:00:35.000 Although by the way, my voice, I feel like this 0:00:35.040 --> 0:00:37.320 is my voice sound hoarse to you. That's a little battling, 0:00:37.320 --> 0:00:38.640 a little a little bit of a cold here. But 0:00:38.680 --> 0:00:41.760 this is like like a more casual episode and instead 0:00:41.840 --> 0:00:46.040 of diving into financial tips, different stories, different guests that 0:00:46.120 --> 0:00:48.960 we thought would be interesting for the podcast, we are 0:00:49.479 --> 0:00:51.800 hosting inn A m A and Ask Me Anything for 0:00:51.840 --> 0:00:54.520 those who like to spend time over on Reddit and Joel. 0:00:54.560 --> 0:00:58.240 You posted in the Facebook group asking for just basically 0:00:58.280 --> 0:01:00.520 if you had a question for us or Matt and 0:01:00.600 --> 0:01:05.039 Joel about anything non money related. Those are the questions 0:01:05.040 --> 0:01:06.880 that we wanted to hear from you. And specifically, when 0:01:06.880 --> 0:01:09.120 we say non money related, we didn't want it to 0:01:09.200 --> 0:01:11.639 be like an ask htm episode right where you're asking 0:01:11.680 --> 0:01:14.160 money questions that you have. But some people did ask 0:01:14.200 --> 0:01:16.800 about our financials. They asked about how our podcast makes money. 0:01:16.840 --> 0:01:19.759 We're gonna get to those questions during this episode. So 0:01:20.080 --> 0:01:22.080 there is there's a little bit of money, and that's 0:01:22.080 --> 0:01:24.040 just like one question. The rest of them are very 0:01:24.160 --> 0:01:26.440 very personal, honestly, and so I don't know about your 0:01:26.480 --> 0:01:30.160 lower back tattoo. Matt Joel actually does have a tramp stamp, 0:01:30.240 --> 0:01:33.280 and we'll get to that right after we introduce our beer. 0:01:33.319 --> 0:01:35.040 And actually we wanted to should we did? You want 0:01:35.040 --> 0:01:38.160 to explain the better No your podcast hosts. So it's 0:01:38.160 --> 0:01:40.640 like a throwback to the Colbert Report, that's right. So 0:01:40.840 --> 0:01:43.199 one of things out there best segments in TV history 0:01:43.319 --> 0:01:46.120 was when Stephen Colbert, who was at that point not 0:01:46.240 --> 0:01:48.640 nearly as well known, and he would sit down with 0:01:49.200 --> 0:01:52.560 a congress person from a small district and a random 0:01:52.600 --> 0:01:54.880 standom state and and so he it was called better 0:01:54.920 --> 0:01:57.360 Know a District, and so he would interview a congress 0:01:57.400 --> 0:02:00.520 person and ask him off the wall questions and it 0:02:00.600 --> 0:02:04.200 was just like TV gold and so good. The Colbert 0:02:04.240 --> 0:02:06.080 Report good segment was one of the best shows on 0:02:06.120 --> 0:02:08.799 TV at that point in time. Easily we're back to 0:02:08.880 --> 0:02:10.920 back between The Daily Show and The Colbert Report. Was like, 0:02:11.320 --> 0:02:15.000 that was an hour worth of just utter beautiful political insanity. 0:02:15.360 --> 0:02:17.520 But which Kate and I attended a taping. I don't 0:02:17.520 --> 0:02:20.280 know if we've ever talked about that. Okay, yeah, we 0:02:20.320 --> 0:02:21.880 got there. They were free back in the day. It 0:02:21.919 --> 0:02:23.720 was right before he stopped doing it, right right before 0:02:23.720 --> 0:02:27.360 he it was Yeah, it was the last year, last season, 0:02:27.600 --> 0:02:29.760 and we lucked out and got tickets to one of 0:02:29.760 --> 0:02:31.600 the tapings. Yeah, so it's a fun time in the 0:02:31.639 --> 0:02:33.760 same way, you can feel free to humiliate us with 0:02:33.800 --> 0:02:35.440 your questions and maybe we'll do another one of these 0:02:35.440 --> 0:02:37.480 in the future. But we were like, listen, like we 0:02:37.480 --> 0:02:39.760 we've done matt our personal stories, you and I where 0:02:39.840 --> 0:02:41.919 we kind of interviewed each other, but it was more 0:02:41.919 --> 0:02:45.480 of like the our personal finance background essence and like 0:02:45.480 --> 0:02:48.080 our history of money, how we approached money, how we 0:02:48.080 --> 0:02:49.560 got to where we are today, and if you want 0:02:49.600 --> 0:02:51.240 to know more of those backgrounds will link to both 0:02:51.280 --> 0:02:53.080 of those episodes in the shows. But but this is 0:02:53.120 --> 0:02:55.000 really just a way for you to ask your questions. Like, 0:02:55.040 --> 0:02:58.280 if you've listened for two months or for two years, 0:02:58.800 --> 0:03:00.600 you probably have some questions about who we are, what 0:03:00.680 --> 0:03:02.519 we like, like, what we do, and so we just 0:03:02.560 --> 0:03:04.120 got to be fun to take some of those on 0:03:04.160 --> 0:03:06.839 today's episode us. Right, But first let's introduce our beer, 0:03:06.919 --> 0:03:10.400 which is Double Top, which is a Double I p 0:03:10.520 --> 0:03:13.480 A by Academia Brewing Company. Looking forward to enjoying this 0:03:13.520 --> 0:03:15.600 one with you today, buddy, and we will share our 0:03:15.600 --> 0:03:18.399 thoughts at the end of the episode, for sure. Yeah, 0:03:18.400 --> 0:03:20.080 this one was a collab with one of our local 0:03:20.080 --> 0:03:22.880 bottle shops, which is the best bottle shop in the area. 0:03:22.919 --> 0:03:24.239 We'll we'll give our thoughts on this beer at the 0:03:24.280 --> 0:03:26.399 end of the episode. But let's get to it, Matt. 0:03:26.480 --> 0:03:29.120 Let's do the a m a uh and give you 0:03:29.160 --> 0:03:30.960 guys a chance to know us a little bit better. 0:03:30.960 --> 0:03:33.040 There were some great questions posed on our Facebook group. 0:03:33.040 --> 0:03:35.320 By the way, if you are not a member of 0:03:35.360 --> 0:03:37.839 the how to Money Facebook group, go to Facebook dot com. 0:03:37.880 --> 0:03:40.240 If you're you know, if you're so inclined, joined the 0:03:40.280 --> 0:03:41.880 how of Money Facebook group, we'd love to have you. 0:03:41.960 --> 0:03:44.520 It's a bunch of awesome people asking each other money questions, 0:03:44.720 --> 0:03:47.720 giving each other helpful financial advice, encouraging each other. It's 0:03:47.720 --> 0:03:50.320 the hive mind at work and there people are sweet 0:03:50.320 --> 0:03:52.680 in there, which is nice because that's a rarity when 0:03:52.720 --> 0:03:55.880 it comes to online engagement. But let's get to our 0:03:55.880 --> 0:03:58.240 first question, Matt, that someone in the Facebook group posed. 0:03:58.280 --> 0:04:00.520 This one was from Susan and it says, how did 0:04:00.560 --> 0:04:02.880 you guys first meet each other. Alex also chimed in 0:04:02.960 --> 0:04:05.040 he wanted a friendship history, so you want to start 0:04:05.040 --> 0:04:06.880 on that one, you may kick it off. So I 0:04:06.920 --> 0:04:09.080 would say, basically, it was a game night. So we've 0:04:09.080 --> 0:04:12.760 got some mutual friends, and they invited Kate and I 0:04:12.800 --> 0:04:15.360 as well as you and Emily and maybe like another 0:04:15.360 --> 0:04:17.760 couple or two over. I cannot remember, but I know 0:04:17.760 --> 0:04:18.880 that y'all were there. I know that we were there. 0:04:18.920 --> 0:04:21.320 I'm pretty sure we played Settlers of Catan. I'm pretty 0:04:21.320 --> 0:04:24.799 sure I'll probably one unlikely and so honestly, I'm surprised 0:04:24.800 --> 0:04:26.440 we are actually friends because I know you hate getting 0:04:26.440 --> 0:04:29.599 beat competitive, but that was that was when we first 0:04:29.640 --> 0:04:31.960 met and pretty much we've been friends ever since then. 0:04:32.360 --> 0:04:34.600 But yeah, that's actually okay, So I take it back. 0:04:35.480 --> 0:04:37.320 That's the first time we met you two as a couple. 0:04:38.200 --> 0:04:40.159 I had met Emily. Kate and I had met Emily 0:04:40.320 --> 0:04:44.440 before previously. We talked about Monday Night Brewing. They make 0:04:44.480 --> 0:04:46.560 Atlanta's best beer, but back in the day, they used 0:04:46.600 --> 0:04:50.360 to brew in one of the founders garage, Jeff's garage, 0:04:50.760 --> 0:04:52.920 and I remember meeting Emily way way back in the day. 0:04:52.920 --> 0:04:55.600 This is before you two started dating, act right, Yeah, 0:04:55.680 --> 0:04:57.680 that's a good point. So, yeah, you guys have known 0:04:57.720 --> 0:05:00.400 each other longer. I'm slightly longer than little bit longer 0:05:00.400 --> 0:05:03.040 than you, but yeah, we've been friends for now something 0:05:03.080 --> 0:05:05.719 close to thirteen years. I guess that's gonna be a 0:05:05.720 --> 0:05:07.920 long time close to that. Yes, I think it is 0:05:07.920 --> 0:05:11.240 the beginning of yeah, so so yeah, and and it's 0:05:11.240 --> 0:05:12.880 one of those things where Matt and we just kind 0:05:12.880 --> 0:05:15.680 of very different personalities in a lot of ways, but 0:05:15.720 --> 0:05:17.400 we have a lot of things in common. We care 0:05:17.400 --> 0:05:19.120 about a lot of the same things. We also went 0:05:19.120 --> 0:05:20.440 to the same church for a long time, so that's 0:05:20.480 --> 0:05:22.719 that's part of it. We're actually we've got a couple 0:05:22.720 --> 0:05:24.040 of faith based questions that we'll get to in a 0:05:24.080 --> 0:05:26.600 little bit too. Yeah. Well, okay, so kind of related 0:05:26.640 --> 0:05:30.320 to how we met each other. Megan asked, how did 0:05:30.320 --> 0:05:33.120 you meet your wives? And I already explained how I 0:05:33.160 --> 0:05:36.680 met your wife, Joel, how did you meet your wife? Yeah, 0:05:36.720 --> 0:05:39.320 so interestingly enough at church, and so her other question was, 0:05:39.360 --> 0:05:41.360 I'm curious if you guys are religious at all? And yes, 0:05:41.560 --> 0:05:42.840 my wife and I we met it well, actually, the 0:05:42.839 --> 0:05:44.599 first time I ever met her was at a friend's wedding, 0:05:44.640 --> 0:05:46.839 and I remember seeing her on the dance floor and 0:05:46.960 --> 0:05:49.359 she has dance moves like no other, and so I 0:05:49.440 --> 0:05:53.080 was like, who is this girl with those phenomenal dance moves? 0:05:53.360 --> 0:05:55.480 And it turns out she was dating someone else at 0:05:55.480 --> 0:05:56.840 the time, and so I had to kind of like 0:05:57.200 --> 0:05:59.880 I asked around behind the scenes, got the got the 0:06:00.000 --> 0:06:02.880 down low, and finally she broke up with that loser, 0:06:03.000 --> 0:06:05.880 and I immediately asked her on a date and it 0:06:05.880 --> 0:06:08.880 didn't take well. Actually, uh, the first three dates did 0:06:08.880 --> 0:06:12.000 not go so well. Um, we just didn't connect at all, 0:06:12.080 --> 0:06:13.200 and I was like, I'm just not gonna ask her 0:06:13.200 --> 0:06:15.480 out again. I don't know. She felt very guarded and 0:06:15.520 --> 0:06:18.000 so we didn't really hit it off immediately. But then 0:06:18.040 --> 0:06:19.520 we kind of started to hang out his friends more 0:06:19.520 --> 0:06:21.840 and more and we realized that we liked each other 0:06:21.920 --> 0:06:24.400 started dating again. Didn't have to date very long before 0:06:24.440 --> 0:06:26.280 we knew, hey, you're the one for me, before we 0:06:26.320 --> 0:06:28.200 put the big question that you are engaged. And so 0:06:28.240 --> 0:06:30.719 this is when y'all are both in your mid twenties, 0:06:30.800 --> 0:06:34.120 you are kind of like young professionals. Kate and I 0:06:34.240 --> 0:06:37.120 we met when we were in college, and so she 0:06:37.640 --> 0:06:39.960 was a freshman. I was more of a young unprofessional. 0:06:40.000 --> 0:06:42.000 By the way, you still got to wear your jeans 0:06:42.000 --> 0:06:44.920 and stuts. Kay was a freshman. I was a senior 0:06:45.400 --> 0:06:47.200 the year that we met, and so it didn't make 0:06:47.200 --> 0:06:49.359 a whole lot of sense for us to start dating. 0:06:49.880 --> 0:06:52.320 But we had a lot of mutual friends. Is it 0:06:52.400 --> 0:06:55.240 because of that we started hanging out some and then 0:06:55.279 --> 0:06:58.240 started hanging out more one on one started dating that 0:06:58.320 --> 0:07:01.320 last semester before I graduated. So it was one of 0:07:01.320 --> 0:07:04.080 the didn't really make sense. But you know, agial love, 0:07:04.160 --> 0:07:05.680 It doesn't really make a whole lot of sense sometimes, 0:07:05.760 --> 0:07:09.160 does it. But yeah, that that is how public philosopher 0:07:09.200 --> 0:07:12.600 money and uh well yeah, and Megan that the second 0:07:12.600 --> 0:07:14.640 part of our question. I've always been curious if you 0:07:14.680 --> 0:07:17.520 guys are religious at all. Yeah, and Carol. Carol had 0:07:17.520 --> 0:07:18.920 a question too that followed up on that, based on 0:07:19.240 --> 0:07:21.320 the Ancient Money Wisdom episode. She said, I'd like to 0:07:21.360 --> 0:07:23.880 hear more about how faith factors into your money decisions 0:07:23.920 --> 0:07:26.720 at all. Those are kind of connected, connected questions here. 0:07:26.760 --> 0:07:28.680 But yeah, so I I was raised Catholic, I grew 0:07:28.720 --> 0:07:31.840 up Catholic, and then over time I found myself in 0:07:31.880 --> 0:07:36.120 other branches of Christianity, But does that factor into any 0:07:36.160 --> 0:07:39.840 of our money decisions? And I would say absolutely. Um, 0:07:39.920 --> 0:07:44.000 it's hard to tell which aspects, which parts of faith 0:07:44.200 --> 0:07:48.160 directly influenced money decisions. We recently had an episode about 0:07:48.240 --> 0:07:50.640 being charitable, about giving your money away. That is a 0:07:50.640 --> 0:07:53.320 way in which it directly impacts how it is that 0:07:53.320 --> 0:07:55.520 we handle our money. So in in the Bible, there's 0:07:55.560 --> 0:07:58.600 the tithe which is giving away ten percent of your income, 0:07:58.640 --> 0:08:00.360 and that's kind of the Old Testament print ball. And 0:08:00.400 --> 0:08:03.000 then the principle in the New Testament that Jesus bouses 0:08:03.080 --> 0:08:05.800 is to sacrificially give your money, right, which I think 0:08:05.880 --> 0:08:07.960 is kind of like even a higher standard exactly. Yeah, 0:08:07.960 --> 0:08:09.000 And so I mean that's one of like one of 0:08:09.040 --> 0:08:12.320 the direct ways. But ultimately, like I feel like one 0:08:12.320 --> 0:08:14.920 of the core tenets of Christianity is just about it's 0:08:14.920 --> 0:08:17.760 about loving other people, right, like loving your neighbor, loving 0:08:17.760 --> 0:08:20.160 your enemies. And so when it comes to just how 0:08:20.200 --> 0:08:22.560 it is that our family handles our money and just 0:08:22.640 --> 0:08:23.960 kind of what it is that we do here on 0:08:24.000 --> 0:08:27.520 the show, Joel, I think, Uh, basically, maybe an oversimplified 0:08:27.520 --> 0:08:31.280 filter is does this action does it demonstrate love to 0:08:31.320 --> 0:08:34.600 other people? To our listeners, and I think by running 0:08:35.000 --> 0:08:38.079 almost every decision that we make sort of through that filter. 0:08:38.160 --> 0:08:40.160 And granted it's not like we're sitting sitting down and 0:08:40.840 --> 0:08:43.640 like literally asking that question every time we have to 0:08:43.640 --> 0:08:46.520 make a decision, but that kind of it tends every 0:08:46.520 --> 0:08:48.280 decision that we make. It it's sort of like this 0:08:48.360 --> 0:08:51.480 underlying current that helps to guide us when it comes 0:08:51.480 --> 0:08:54.800 to whether just different advertising opportunities that we're faced with, 0:08:55.000 --> 0:08:57.200 or just the kind of content and how it is 0:08:57.240 --> 0:08:59.520 that we want to approach topics. It's I think, to 0:08:59.760 --> 0:09:03.000 one of things. We we don't really explicitly talk about 0:09:03.000 --> 0:09:04.920 our faith on the show a whole lot, and we've 0:09:04.920 --> 0:09:06.800 had listener emails from time and time to like you 0:09:06.840 --> 0:09:08.679 said this on the show that sounds like somebody who 0:09:08.760 --> 0:09:10.840 might like go to church or have a specific kind 0:09:10.840 --> 0:09:13.240 of faith, and and they they want to ask more questions. 0:09:13.320 --> 0:09:15.520 We're more than happy to discuss it. But it's it's 0:09:15.520 --> 0:09:17.480 one of those things where there are people who are 0:09:17.520 --> 0:09:20.840 really outspoken about their faith who oftentimes do more harm 0:09:21.320 --> 0:09:23.960 than good, I think. And so it's it's not that 0:09:24.000 --> 0:09:26.720 we want to hide what we believe, but it's it's 0:09:26.760 --> 0:09:30.320 the reality is we've seen people use their faith sometimes 0:09:30.360 --> 0:09:34.000 as a cudgel when they're in in places of prominence, 0:09:34.120 --> 0:09:35.520 and so we want to be careful of how we 0:09:35.559 --> 0:09:38.000 talk about our faith, and so we want we'd rather 0:09:38.080 --> 0:09:41.080 live it out more than yell at out. But yeah, 0:09:41.120 --> 0:09:43.720 we appreciate those questions and and so, yes, faith plays 0:09:43.720 --> 0:09:45.880 an important factory factor in our lives. Carol also said, 0:09:45.920 --> 0:09:48.840 you have rules or guidelines forgiving that help you overcome 0:09:48.880 --> 0:09:51.520 your natural frugality, which I think is honestly, he's like 0:09:51.520 --> 0:09:52.959 one of the toughest things I've had to wrestle with 0:09:53.000 --> 0:09:55.720 because I'm naturally frugal, and so giving money away feels 0:09:55.720 --> 0:09:58.160 painful in a lot of ways. And we reference to 0:09:58.559 --> 0:10:01.199 the episode we just did Matt about giving money away, 0:10:01.280 --> 0:10:03.640 and yeah, so I think that is an important part 0:10:03.640 --> 0:10:06.120 of it for me, is to like a counterbalance. Yeah, 0:10:06.120 --> 0:10:09.079 and it helps me reframe what's true and remember what's true, 0:10:09.120 --> 0:10:11.760 the fact that I'm not promised tomorrow and that my 0:10:11.800 --> 0:10:14.080 money isn't what's gonna save me, and so giving it 0:10:14.120 --> 0:10:17.880 away is part of something deeper and more important, uh 0:10:17.880 --> 0:10:20.640 and more fundamental than probably I even we even talked 0:10:20.679 --> 0:10:22.800 about in that episode totally. All right, let's keep moving. 0:10:23.120 --> 0:10:26.199 Derek said, at this point, why haven't your family's gone 0:10:26.240 --> 0:10:29.880 the commune route. It seems like it could be the 0:10:29.920 --> 0:10:31.840 most frugal option. What do you think about that, Joel. 0:10:31.920 --> 0:10:34.080 We talked about it, We really did, because when we 0:10:34.120 --> 0:10:36.080 talked about moving, a part we talked to that's closer 0:10:36.120 --> 0:10:38.640 to the truth than you realize. We talked about moving 0:10:38.679 --> 0:10:40.760 south of town as opposed to north of town. And 0:10:40.800 --> 0:10:42.720 there was like this property with like a creek running 0:10:42.720 --> 0:10:44.080 through it in this giant house, where like, what if 0:10:44.080 --> 0:10:45.520 we all hold up in this one house, is there 0:10:45.600 --> 0:10:47.640 enough space for us? Or we could build We even 0:10:47.640 --> 0:10:50.120 talked about like building two places side by side sort 0:10:50.120 --> 0:10:53.000 of thing. There's this lot that we looked at, uh, 0:10:53.040 --> 0:10:54.360 and it would have been a lot that you could 0:10:54.400 --> 0:10:56.840 it was a pretty big lot, and the idea was 0:10:56.880 --> 0:11:00.840 to potentially purchase this home, demolish it up, divide the lot, 0:11:00.920 --> 0:11:03.440 and then create two houses on this side by side. 0:11:03.440 --> 0:11:05.400 So if you didn't think we were weird already for 0:11:05.520 --> 0:11:09.880 having moved our whole families together, we're literally considering going 0:11:09.920 --> 0:11:12.400 this route. But I mean, honestly, I'm glad we didn't, though, 0:11:12.440 --> 0:11:15.679 because such space is good, I think, especially for your 0:11:15.720 --> 0:11:19.400 family compared to like our family. We're more social beings. 0:11:19.440 --> 0:11:22.080 And you, guys, you love your neighbors. You guys love 0:11:22.200 --> 0:11:24.520 I love your people too, But I think we might 0:11:24.559 --> 0:11:26.160 be if we were your next door neighbors, it might 0:11:26.200 --> 0:11:27.599 be a little intense for you guys. Yeah, we'd have 0:11:27.679 --> 0:11:31.560 to have like visiting hours like before this time, and 0:11:31.600 --> 0:11:34.160 after this time, you were not allowed over here. Nobody 0:11:34.200 --> 0:11:36.080 nobody is allowed over You'd have to build a teller 0:11:36.160 --> 0:11:40.360 fence to keep me out. Probably, so h Sheila wants. 0:11:40.800 --> 0:11:42.600 She she's been a listener for a long time and 0:11:42.640 --> 0:11:45.319 she and I actually go back to college. So she listened. 0:11:45.720 --> 0:11:49.080 She listened tell them about your hitchhiking adventures. So yeah, 0:11:49.120 --> 0:11:53.200 I don't mind doing that. Back in two thousand six, 0:11:53.280 --> 0:11:55.560 I guess I had my I had my first job 0:11:55.840 --> 0:11:59.480 in radio, and it didn't pay much and it was 0:11:59.520 --> 0:12:03.720 morning video, so not just morning radio, but like early 0:12:03.760 --> 0:12:05.480 early morning, early early, so I had to wake up 0:12:05.480 --> 0:12:07.240 by like three at the show I think was on 0:12:07.280 --> 0:12:09.640 from five to eight, and it was just like a 0:12:09.679 --> 0:12:11.520 punishing job. So I did it for like six months. 0:12:11.559 --> 0:12:14.200 It was an amazing learning experience. I'm so glad I 0:12:14.240 --> 0:12:16.319 did it. But then I quit the moment I could, 0:12:16.360 --> 0:12:19.520 because it was just not ideal for me to wake 0:12:19.600 --> 0:12:21.520 up at that time and I want to do something else, 0:12:21.559 --> 0:12:24.080 but I quit. Actually, I'd saved up enough money, even 0:12:24.080 --> 0:12:26.079 on this meager salary, to go on a road trip 0:12:26.120 --> 0:12:27.600 around the country with one of my best buds at 0:12:27.640 --> 0:12:31.240 the time, and yeah, three months in an old beat 0:12:31.320 --> 0:12:33.640 up Hondai court station wagon, got to visit most of 0:12:33.640 --> 0:12:36.320 the United States, see some amazing spots. So those were 0:12:36.360 --> 0:12:39.079 my vagabonding months. And that's one of those things too, 0:12:39.120 --> 0:12:42.560 when you talk about like compounding rates of return Matt 0:12:42.600 --> 0:12:44.640 and investing young, that's kind of one of those things 0:12:44.640 --> 0:12:47.480 that a traditional financial expert would tell you, No, no no, don't, 0:12:47.559 --> 0:12:50.199 don't do that. Those months are so important when you're young, 0:12:50.360 --> 0:12:52.120 but so are the memories. And so we're like taking 0:12:52.160 --> 0:12:54.160 time away and I saved up enough to make it happen, 0:12:54.200 --> 0:12:55.640 and I'm so glad. I still look back at those 0:12:55.640 --> 0:12:58.320 months with fondness, the people I met, the things I 0:12:58.320 --> 0:13:01.079 got to see, just kind of the learning experience that 0:13:01.160 --> 0:13:04.960 it was. Jason, he's asking if we keep a spreadsheet 0:13:05.000 --> 0:13:07.160 of all the craft beers that we've had on the show, 0:13:07.640 --> 0:13:10.400 and Jason, unfortunately we don't have a spreadsheet, which sounds 0:13:10.440 --> 0:13:12.640 counter to how I like to approach life, but I 0:13:12.640 --> 0:13:15.040 do have a folder. It's a beer folder inside how 0:13:15.040 --> 0:13:17.960 the money folder on my desktop on a computer, and 0:13:18.000 --> 0:13:19.960 so I'm able to quickly go in there when it 0:13:20.000 --> 0:13:22.360 comes to specifically when we're like, oh, have we had 0:13:22.400 --> 0:13:23.760 this beer on the show before? And then I can 0:13:23.840 --> 0:13:25.920 quickly jog my memory and oh, yeah, no, we we've 0:13:25.920 --> 0:13:27.720 already had that one, or we haven't had one like 0:13:27.800 --> 0:13:29.400 that yet. And if you're wondering what we've had on 0:13:29.400 --> 0:13:32.280 the on the show before, we're kinds of beers specific ones. 0:13:32.440 --> 0:13:34.319 You just follow us on Instagram and you can scroll 0:13:34.360 --> 0:13:36.120 back through there pretty quickly and you can be like, oh, 0:13:36.360 --> 0:13:38.040 you can get a sense of which beers we've had 0:13:38.080 --> 0:13:39.800 trying to post pictures of yeah, of all the beers 0:13:39.840 --> 0:13:41.720 that we have. But ideally, man, we would have a 0:13:41.720 --> 0:13:44.720 single pager on the website that had every single beer 0:13:44.760 --> 0:13:47.280 listed out and then maybe one of these days, I 0:13:47.280 --> 0:13:49.200 feel like that's something that we can hire out for 0:13:49.200 --> 0:13:51.199 someone to do, like on fiber or something. But then 0:13:51.200 --> 0:13:52.960 you click the beer and then it links to the 0:13:52.960 --> 0:13:56.160 episode where we had that be But I mean, at 0:13:56.160 --> 0:13:59.840 this point, we've had like almost four four hundred something. Yeah, 0:13:59.840 --> 0:14:02.480 we had more episodes than beers because we don't have 0:14:02.760 --> 0:14:05.120 beers on Friday flights, and so that's why the numbers 0:14:05.160 --> 0:14:09.000 don't line up exactly. Um Actually, related Lydia, she asked 0:14:09.040 --> 0:14:11.480 if we've tried hot water before, do you know what 0:14:11.520 --> 0:14:13.840 that is? Or? She says, if not, would you would 0:14:13.840 --> 0:14:15.760 you try hot water? Joel, I don't know. I guess 0:14:15.800 --> 0:14:17.080 I'm not really sure what it is either. I think 0:14:17.160 --> 0:14:18.480 lung and need Us at one point came out with 0:14:18.520 --> 0:14:22.880 some sort of like but I've given a shot, but 0:14:22.920 --> 0:14:25.000 it's probably not something. I either want to drink water, 0:14:25.080 --> 0:14:26.560 I want to drink beer. I don't necessarily want to 0:14:26.560 --> 0:14:28.880 blend the both. But maybe it's awesome. I'd give it 0:14:28.880 --> 0:14:30.240 a shot. If someone gives me one, I'll try it, 0:14:30.760 --> 0:14:33.040 all right. Josh wants to know, have either be tried homebrewing, 0:14:33.080 --> 0:14:35.960 and if so, how is the experience? I'll start. No, 0:14:36.200 --> 0:14:38.280 I have not tried homebrewing. People ask me that all 0:14:38.320 --> 0:14:41.720 the time as a craft beer lover, but one at 0:14:41.760 --> 0:14:43.400 the time it takes to get up to speed to 0:14:43.480 --> 0:14:46.160 become a decent homebrewer. It seems like it would take 0:14:46.160 --> 0:14:48.400 a while and a lot of wasted, crappy beer that 0:14:48.440 --> 0:14:49.960 I have to drink in order to get there, and 0:14:49.960 --> 0:14:52.120 there's people doing it on such an amazing level. Like 0:14:53.480 --> 0:14:56.280 there's no way it's even possible for me. I mean, 0:14:56.320 --> 0:14:58.120 I don't want to say nothing's possibly. It's not impossible. 0:14:58.120 --> 0:15:00.000 It's not possible, but it is. How how long would 0:15:00.000 --> 0:15:01.400 it take me to be be able to brew a 0:15:01.400 --> 0:15:04.680 beer as good as other half I p A s 0:15:04.760 --> 0:15:07.960 or as good as a barrel age sour from Casey 0:15:08.000 --> 0:15:10.800 Brewing blending and brewing or like, it's just it would 0:15:10.840 --> 0:15:13.280 take me so long to anywhere near that vicinity. I'm 0:15:13.280 --> 0:15:14.920 just gonna drink the good stuff that other people make. 0:15:15.080 --> 0:15:16.960 That's true, but there is some I mean there's a 0:15:17.000 --> 0:15:18.920 frugal side of it as well, right, because imagine once 0:15:18.920 --> 0:15:21.160 you did dial in, like right now we're drinking the 0:15:21.160 --> 0:15:22.600 double I p A. Would if you were able to 0:15:22.640 --> 0:15:25.720 dial in a killer, hazy double I p A. It's 0:15:25.720 --> 0:15:27.640 one that you're able to keep on draft at your 0:15:27.640 --> 0:15:30.640 house and anytime friends came over, you would you had 0:15:30.680 --> 0:15:33.480 the honor, the joy to be able to pour them 0:15:33.520 --> 0:15:36.000 your very own double I p A. Y How awesome 0:15:36.040 --> 0:15:39.400 with that? No, that sounds yeah, that sounds like really 0:15:39.440 --> 0:15:40.720 fun to be able to do that. We we did 0:15:40.720 --> 0:15:43.040 talk with a brewery at one point about doing a 0:15:43.040 --> 0:15:46.240 collab beer, which would be really fun. Remember that, Well, 0:15:46.320 --> 0:15:48.200 so it's one of my favorites and and it would 0:15:48.200 --> 0:15:49.480 be really cool if you get to go down there 0:15:49.480 --> 0:15:52.080 and brew a beer with him one day. Okay, remember, yeah, 0:15:52.120 --> 0:15:53.520 so we'll see. I don't know, maybe that will happen 0:15:53.520 --> 0:15:55.520 at something that would be awesome. That would be cool. Uh, yeah, 0:15:55.640 --> 0:15:58.120 I've I've tried it. I did it once early on 0:15:58.240 --> 0:16:01.400 in my craft beer career, and so because it was 0:16:01.480 --> 0:16:04.480 early on, I'm guessing I probably remember it being better 0:16:04.480 --> 0:16:07.280 than it actually was. But it was a Russian Imperial 0:16:07.360 --> 0:16:09.040 stout and we brewed it, me and my roommate at 0:16:09.040 --> 0:16:10.760 the time. We brewed it with another friend of ours 0:16:10.920 --> 0:16:13.960 who was a pretty serious homebrewer. But I remember it 0:16:14.000 --> 0:16:16.200 being being solid. I even gave a couple of bottles 0:16:16.200 --> 0:16:18.560 to my father in law because I thought he liked beer. 0:16:18.880 --> 0:16:21.520 I mean, he does like beer. But the Macro produced 0:16:21.560 --> 0:16:23.960 loggers that first the hot water, which is basically what 0:16:24.120 --> 0:16:27.960 Bud is right exactly. Yea, uh, and so that was Josh. 0:16:28.200 --> 0:16:31.200 Lauren asked, do you have any other craft beer equivalence 0:16:31.240 --> 0:16:35.240 besides beer, Joel, Yeah, we both do. And so that's 0:16:35.240 --> 0:16:37.760 one of those things where, yeah, we we say a 0:16:37.800 --> 0:16:40.360 few craft beer equivalents, right, so that you prioritize not 0:16:40.480 --> 0:16:42.440 just one thing, but typically for the average person is 0:16:42.440 --> 0:16:44.280 gonna be something like three or four, three or four things. 0:16:44.440 --> 0:16:46.560 So my other craft beer equivalence, Well, the thing is 0:16:46.600 --> 0:16:48.920 they changed too. So I would have said international travel 0:16:48.960 --> 0:16:51.240 it varies, was one of those things ten years ago, 0:16:51.360 --> 0:16:53.440 pretty kids, it was something we did at least once 0:16:53.480 --> 0:16:54.880 a year. We got to see some really great spots. 0:16:54.920 --> 0:16:58.120 Actually have a question about that later, but uh, now 0:16:58.360 --> 0:17:00.680 that's kind of changed. We we've actually our craft beer 0:17:00.680 --> 0:17:03.440 equivalent now is local places to eat is one of 0:17:03.440 --> 0:17:05.119 those things. We spend more money eating out than we 0:17:05.119 --> 0:17:07.159 do on travel these days. Um, it's just kind of 0:17:07.160 --> 0:17:09.199 gone up in our book and hopefully that will change 0:17:09.400 --> 0:17:11.280 as we get older and we'll go back. We'll revert 0:17:11.320 --> 0:17:13.800 back to more travel once once our kids get get bigger. 0:17:13.840 --> 0:17:15.280 But one other thing I've always talked about on the 0:17:15.280 --> 0:17:18.280