Speaker 1: Welcome to How the Money. I'm Joel and I am Matt,
Speaker 1: and today we're hosting an A m A so you
Speaker 1: can better know your podcast host. That's right, buddy, this
Speaker 1: is a This is like an How the Money unplugged.
Speaker 1: Although by the way, my voice, I feel like this
Speaker 1: is my voice sound hoarse to you. That's a little battling,
Speaker 1: a little a little bit of a cold here. But
Speaker 1: this is like like a more casual episode and instead
Speaker 1: of diving into financial tips, different stories, different guests that
Speaker 1: we thought would be interesting for the podcast, we are
Speaker 1: hosting inn A m A and Ask Me Anything for
Speaker 1: those who like to spend time over on Reddit and Joel.
Speaker 1: You posted in the Facebook group asking for just basically
Speaker 1: if you had a question for us or Matt and
Speaker 1: Joel about anything non money related. Those are the questions
Speaker 1: that we wanted to hear from you. And specifically, when
Speaker 1: we say non money related, we didn't want it to
Speaker 1: be like an ask htm episode right where you're asking
Speaker 1: money questions that you have. But some people did ask
Speaker 1: about our financials. They asked about how our podcast makes money.
Speaker 1: We're gonna get to those questions during this episode. So
Speaker 1: there is there's a little bit of money, and that's
Speaker 1: just like one question. The rest of them are very
Speaker 1: very personal, honestly, and so I don't know about your
Speaker 1: lower back tattoo. Matt Joel actually does have a tramp stamp,
Speaker 1: and we'll get to that right after we introduce our beer.
Speaker 1: And actually we wanted to should we did? You want
Speaker 1: to explain the better No your podcast hosts. So it's
Speaker 1: like a throwback to the Colbert Report, that's right. So
Speaker 1: one of things out there best segments in TV history
Speaker 1: was when Stephen Colbert, who was at that point not
Speaker 1: nearly as well known, and he would sit down with
Speaker 1: a congress person from a small district and a random
Speaker 1: standom state and and so he it was called better
Speaker 1: Know a District, and so he would interview a congress
Speaker 1: person and ask him off the wall questions and it
Speaker 1: was just like TV gold and so good. The Colbert
Speaker 1: Report good segment was one of the best shows on
Speaker 1: TV at that point in time. Easily we're back to
Speaker 1: back between The Daily Show and The Colbert Report. Was like,
Speaker 1: that was an hour worth of just utter beautiful political insanity.
Speaker 1: But which Kate and I attended a taping. I don't
Speaker 1: know if we've ever talked about that. Okay, yeah, we
Speaker 1: got there. They were free back in the day. It
Speaker 1: was right before he stopped doing it, right right before
Speaker 1: he it was Yeah, it was the last year, last season,
Speaker 1: and we lucked out and got tickets to one of
Speaker 1: the tapings. Yeah, so it's a fun time in the
Speaker 1: same way, you can feel free to humiliate us with
Speaker 1: your questions and maybe we'll do another one of these
Speaker 1: in the future. But we were like, listen, like we
Speaker 1: we've done matt our personal stories, you and I where
Speaker 1: we kind of interviewed each other, but it was more
Speaker 1: of like the our personal finance background essence and like
Speaker 1: our history of money, how we approached money, how we
Speaker 1: got to where we are today, and if you want
Speaker 1: to know more of those backgrounds will link to both
Speaker 1: of those episodes in the shows. But but this is
Speaker 1: really just a way for you to ask your questions. Like,
Speaker 1: if you've listened for two months or for two years,
Speaker 1: you probably have some questions about who we are, what
Speaker 1: we like, like, what we do, and so we just
Speaker 1: got to be fun to take some of those on
Speaker 1: today's episode us. Right, But first let's introduce our beer,
Speaker 1: which is Double Top, which is a Double I p
Speaker 1: A by Academia Brewing Company. Looking forward to enjoying this
Speaker 1: one with you today, buddy, and we will share our
Speaker 1: thoughts at the end of the episode, for sure. Yeah,
Speaker 1: this one was a collab with one of our local
Speaker 1: bottle shops, which is the best bottle shop in the area.
Speaker 1: We'll we'll give our thoughts on this beer at the
Speaker 1: end of the episode. But let's get to it, Matt.
Speaker 1: Let's do the a m a uh and give you
Speaker 1: guys a chance to know us a little bit better.
Speaker 1: There were some great questions posed on our Facebook group.
Speaker 1: By the way, if you are not a member of
Speaker 1: the how to Money Facebook group, go to Facebook dot com.
Speaker 1: If you're you know, if you're so inclined, joined the
Speaker 1: how of Money Facebook group, we'd love to have you.
Speaker 1: It's a bunch of awesome people asking each other money questions,
Speaker 1: giving each other helpful financial advice, encouraging each other. It's
Speaker 1: the hive mind at work and there people are sweet
Speaker 1: in there, which is nice because that's a rarity when
Speaker 1: it comes to online engagement. But let's get to our
Speaker 1: first question, Matt, that someone in the Facebook group posed.
Speaker 1: This one was from Susan and it says, how did
Speaker 1: you guys first meet each other. Alex also chimed in
Speaker 1: he wanted a friendship history, so you want to start
Speaker 1: on that one, you may kick it off. So I
Speaker 1: would say, basically, it was a game night. So we've
Speaker 1: got some mutual friends, and they invited Kate and I
Speaker 1: as well as you and Emily and maybe like another
Speaker 1: couple or two over. I cannot remember, but I know
Speaker 1: that y'all were there. I know that we were there.
Speaker 1: I'm pretty sure we played Settlers of Catan. I'm pretty
Speaker 1: sure I'll probably one unlikely and so honestly, I'm surprised
Speaker 1: we are actually friends because I know you hate getting
Speaker 1: beat competitive, but that was that was when we first
Speaker 1: met and pretty much we've been friends ever since then.
Speaker 1: But yeah, that's actually okay, So I take it back.
Speaker 1: That's the first time we met you two as a couple.
Speaker 1: I had met Emily. Kate and I had met Emily
Speaker 1: before previously. We talked about Monday Night Brewing. They make
Speaker 1: Atlanta's best beer, but back in the day, they used
Speaker 1: to brew in one of the founders garage, Jeff's garage,
Speaker 1: and I remember meeting Emily way way back in the day.
Speaker 1: This is before you two started dating, act right, Yeah,
Speaker 1: that's a good point. So, yeah, you guys have known
Speaker 1: each other longer. I'm slightly longer than little bit longer
Speaker 1: than you, but yeah, we've been friends for now something
Speaker 1: close to thirteen years. I guess that's gonna be a
Speaker 1: long time close to that. Yes, I think it is
Speaker 1: the beginning of yeah, so so yeah, and and it's
Speaker 1: one of those things where Matt and we just kind
Speaker 1: of very different personalities in a lot of ways, but
Speaker 1: we have a lot of things in common. We care
Speaker 1: about a lot of the same things. We also went
Speaker 1: to the same church for a long time, so that's
Speaker 1: that's part of it. We're actually we've got a couple
Speaker 1: of faith based questions that we'll get to in a
Speaker 1: little bit too. Yeah. Well, okay, so kind of related
Speaker 1: to how we met each other. Megan asked, how did
Speaker 1: you meet your wives? And I already explained how I
Speaker 1: met your wife, Joel, how did you meet your wife? Yeah,
Speaker 1: so interestingly enough at church, and so her other question was,
Speaker 1: I'm curious if you guys are religious at all? And yes,
Speaker 1: my wife and I we met it well, actually, the
Speaker 1: first time I ever met her was at a friend's wedding,
Speaker 1: and I remember seeing her on the dance floor and
Speaker 1: she has dance moves like no other, and so I
Speaker 1: was like, who is this girl with those phenomenal dance moves?
Speaker 1: And it turns out she was dating someone else at
Speaker 1: the time, and so I had to kind of like
Speaker 1: I asked around behind the scenes, got the got the
Speaker 1: down low, and finally she broke up with that loser,
Speaker 1: and I immediately asked her on a date and it
Speaker 1: didn't take well. Actually, uh, the first three dates did
Speaker 1: not go so well. Um, we just didn't connect at all,
Speaker 1: and I was like, I'm just not gonna ask her
Speaker 1: out again. I don't know. She felt very guarded and
Speaker 1: so we didn't really hit it off immediately. But then
Speaker 1: we kind of started to hang out his friends more
Speaker 1: and more and we realized that we liked each other
Speaker 1: started dating again. Didn't have to date very long before
Speaker 1: we knew, hey, you're the one for me, before we
Speaker 1: put the big question that you are engaged. And so
Speaker 1: this is when y'all are both in your mid twenties,
Speaker 1: you are kind of like young professionals. Kate and I
Speaker 1: we met when we were in college, and so she
Speaker 1: was a freshman. I was more of a young unprofessional.
Speaker 1: By the way, you still got to wear your jeans
Speaker 1: and stuts. Kay was a freshman. I was a senior
Speaker 1: the year that we met, and so it didn't make
Speaker 1: a whole lot of sense for us to start dating.
Speaker 1: But we had a lot of mutual friends. Is it
Speaker 1: because of that we started hanging out some and then
Speaker 1: started hanging out more one on one started dating that
Speaker 1: last semester before I graduated. So it was one of
Speaker 1: the didn't really make sense. But you know, agial love,
Speaker 1: It doesn't really make a whole lot of sense sometimes,
Speaker 1: does it. But yeah, that that is how public philosopher
Speaker 1: money and uh well yeah, and Megan that the second
Speaker 1: part of our question. I've always been curious if you
Speaker 1: guys are religious at all. Yeah, and Carol. Carol had
Speaker 1: a question too that followed up on that, based on
Speaker 1: the Ancient Money Wisdom episode. She said, I'd like to
Speaker 1: hear more about how faith factors into your money decisions
Speaker 1: at all. Those are kind of connected, connected questions here.
Speaker 1: But yeah, so I I was raised Catholic, I grew
Speaker 1: up Catholic, and then over time I found myself in
Speaker 1: other branches of Christianity, But does that factor into any
Speaker 1: of our money decisions? And I would say absolutely. Um,
Speaker 1: it's hard to tell which aspects, which parts of faith
Speaker 1: directly influenced money decisions. We recently had an episode about
Speaker 1: being charitable, about giving your money away. That is a
Speaker 1: way in which it directly impacts how it is that
Speaker 1: we handle our money. So in in the Bible, there's
Speaker 1: the tithe which is giving away ten percent of your income,
Speaker 1: and that's kind of the Old Testament print ball. And
Speaker 1: then the principle in the New Testament that Jesus bouses
Speaker 1: is to sacrificially give your money, right, which I think
Speaker 1: is kind of like even a higher standard exactly. Yeah,
Speaker 1: And so I mean that's one of like one of
Speaker 1: the direct ways. But ultimately, like I feel like one
Speaker 1: of the core tenets of Christianity is just about it's
Speaker 1: about loving other people, right, like loving your neighbor, loving
Speaker 1: your enemies. And so when it comes to just how
Speaker 1: it is that our family handles our money and just
Speaker 1: kind of what it is that we do here on
Speaker 1: the show, Joel, I think, Uh, basically, maybe an oversimplified
Speaker 1: filter is does this action does it demonstrate love to
Speaker 1: other people? To our listeners, and I think by running
Speaker 1: almost every decision that we make sort of through that filter.
Speaker 1: And granted it's not like we're sitting sitting down and
Speaker 1: like literally asking that question every time we have to
Speaker 1: make a decision, but that kind of it tends every
Speaker 1: decision that we make. It it's sort of like this
Speaker 1: underlying current that helps to guide us when it comes
Speaker 1: to whether just different advertising opportunities that we're faced with,
Speaker 1: or just the kind of content and how it is
Speaker 1: that we want to approach topics. It's I think, to
Speaker 1: one of things. We we don't really explicitly talk about
Speaker 1: our faith on the show a whole lot, and we've
Speaker 1: had listener emails from time and time to like you
Speaker 1: said this on the show that sounds like somebody who
Speaker 1: might like go to church or have a specific kind
Speaker 1: of faith, and and they they want to ask more questions.
Speaker 1: We're more than happy to discuss it. But it's it's
Speaker 1: one of those things where there are people who are
Speaker 1: really outspoken about their faith who oftentimes do more harm
Speaker 1: than good, I think. And so it's it's not that
Speaker 1: we want to hide what we believe, but it's it's
Speaker 1: the reality is we've seen people use their faith sometimes
Speaker 1: as a cudgel when they're in in places of prominence,
Speaker 1: and so we want to be careful of how we
Speaker 1: talk about our faith, and so we want we'd rather
Speaker 1: live it out more than yell at out. But yeah,
Speaker 1: we appreciate those questions and and so, yes, faith plays
Speaker 1: an important factory factor in our lives. Carol also said,
Speaker 1: you have rules or guidelines forgiving that help you overcome
Speaker 1: your natural frugality, which I think is honestly, he's like
Speaker 1: one of the toughest things I've had to wrestle with
Speaker 1: because I'm naturally frugal, and so giving money away feels
Speaker 1: painful in a lot of ways. And we reference to
Speaker 1: the episode we just did Matt about giving money away,
Speaker 1: and yeah, so I think that is an important part
Speaker 1: of it for me, is to like a counterbalance. Yeah,
Speaker 1: and it helps me reframe what's true and remember what's true,
Speaker 1: the fact that I'm not promised tomorrow and that my
Speaker 1: money isn't what's gonna save me, and so giving it
Speaker 1: away is part of something deeper and more important, uh
Speaker 1: and more fundamental than probably I even we even talked
Speaker 1: about in that episode totally. All right, let's keep moving.
Speaker 1: Derek said, at this point, why haven't your family's gone
Speaker 1: the commune route. It seems like it could be the
Speaker 1: most frugal option. What do you think about that, Joel.
Speaker 1: We talked about it, We really did, because when we
Speaker 1: talked about moving, a part we talked to that's closer
Speaker 1: to the truth than you realize. We talked about moving
Speaker 1: south of town as opposed to north of town. And
Speaker 1: there was like this property with like a creek running
Speaker 1: through it in this giant house, where like, what if
Speaker 1: we all hold up in this one house, is there
Speaker 1: enough space for us? Or we could build We even
Speaker 1: talked about like building two places side by side sort
Speaker 1: of thing. There's this lot that we looked at, uh,
Speaker 1: and it would have been a lot that you could
Speaker 1: it was a pretty big lot, and the idea was
Speaker 1: to potentially purchase this home, demolish it up, divide the lot,
Speaker 1: and then create two houses on this side by side.
Speaker 1: So if you didn't think we were weird already for
Speaker 1: having moved our whole families together, we're literally considering going
Speaker 1: this route. But I mean, honestly, I'm glad we didn't, though,
Speaker 1: because such space is good, I think, especially for your
Speaker 1: family compared to like our family. We're more social beings.
Speaker 1: And you, guys, you love your neighbors. You guys love
Speaker 1: I love your people too, But I think we might
Speaker 1: be if we were your next door neighbors, it might
Speaker 1: be a little intense for you guys. Yeah, we'd have
Speaker 1: to have like visiting hours like before this time, and
Speaker 1: after this time, you were not allowed over here. Nobody
Speaker 1: nobody is allowed over You'd have to build a teller
Speaker 1: fence to keep me out. Probably, so h Sheila wants.
Speaker 1: She she's been a listener for a long time and
Speaker 1: she and I actually go back to college. So she listened.
Speaker 1: She listened tell them about your hitchhiking adventures. So yeah,
Speaker 1: I don't mind doing that. Back in two thousand six,
Speaker 1: I guess I had my I had my first job
Speaker 1: in radio, and it didn't pay much and it was
Speaker 1: morning video, so not just morning radio, but like early
Speaker 1: early morning, early early, so I had to wake up
Speaker 1: by like three at the show I think was on
Speaker 1: from five to eight, and it was just like a
Speaker 1: punishing job. So I did it for like six months.
Speaker 1: It was an amazing learning experience. I'm so glad I
Speaker 1: did it. But then I quit the moment I could,
Speaker 1: because it was just not ideal for me to wake
Speaker 1: up at that time and I want to do something else,
Speaker 1: but I quit. Actually, I'd saved up enough money, even
Speaker 1: on this meager salary, to go on a road trip
Speaker 1: around the country with one of my best buds at
Speaker 1: the time, and yeah, three months in an old beat
Speaker 1: up Hondai court station wagon, got to visit most of
Speaker 1: the United States, see some amazing spots. So those were
Speaker 1: my vagabonding months. And that's one of those things too,
Speaker 1: when you talk about like compounding rates of return Matt
Speaker 1: and investing young, that's kind of one of those things
Speaker 1: that a traditional financial expert would tell you, No, no no, don't,
Speaker 1: don't do that. Those months are so important when you're young,
Speaker 1: but so are the memories. And so we're like taking
Speaker 1: time away and I saved up enough to make it happen,
Speaker 1: and I'm so glad. I still look back at those
Speaker 1: months with fondness, the people I met, the things I
Speaker 1: got to see, just kind of the learning experience that
Speaker 1: it was. Jason, he's asking if we keep a spreadsheet
Speaker 1: of all the craft beers that we've had on the show,
Speaker 1: and Jason, unfortunately we don't have a spreadsheet, which sounds
Speaker 1: counter to how I like to approach life, but I
Speaker 1: do have a folder. It's a beer folder inside how
Speaker 1: the money folder on my desktop on a computer, and
Speaker 1: so I'm able to quickly go in there when it
Speaker 1: comes to specifically when we're like, oh, have we had
Speaker 1: this beer on the show before? And then I can
Speaker 1: quickly jog my memory and oh, yeah, no, we we've
Speaker 1: already had that one, or we haven't had one like
Speaker 1: that yet. And if you're wondering what we've had on
Speaker 1: the on the show before, we're kinds of beers specific ones.
Speaker 1: You just follow us on Instagram and you can scroll
Speaker 1: back through there pretty quickly and you can be like, oh,
Speaker 1: you can get a sense of which beers we've had
Speaker 1: trying to post pictures of yeah, of all the beers
Speaker 1: that we have. But ideally, man, we would have a
Speaker 1: single pager on the website that had every single beer
Speaker 1: listed out and then maybe one of these days, I
Speaker 1: feel like that's something that we can hire out for
Speaker 1: someone to do, like on fiber or something. But then
Speaker 1: you click the beer and then it links to the
Speaker 1: episode where we had that be But I mean, at
Speaker 1: this point, we've had like almost four four hundred something. Yeah,
Speaker 1: we had more episodes than beers because we don't have
Speaker 1: beers on Friday flights, and so that's why the numbers
Speaker 1: don't line up exactly. Um Actually, related Lydia, she asked
Speaker 1: if we've tried hot water before, do you know what
Speaker 1: that is? Or? She says, if not, would you would
Speaker 1: you try hot water? Joel, I don't know. I guess
Speaker 1: I'm not really sure what it is either. I think
Speaker 1: lung and need Us at one point came out with
Speaker 1: some sort of like but I've given a shot, but
Speaker 1: it's probably not something. I either want to drink water,
Speaker 1: I want to drink beer. I don't necessarily want to
Speaker 1: blend the both. But maybe it's awesome. I'd give it
Speaker 1: a shot. If someone gives me one, I'll try it,
Speaker 1: all right. Josh wants to know, have either be tried homebrewing,
Speaker 1: and if so, how is the experience? I'll start. No,
Speaker 1: I have not tried homebrewing. People ask me that all
Speaker 1: the time as a craft beer lover, but one at
Speaker 1: the time it takes to get up to speed to
Speaker 1: become a decent homebrewer. It seems like it would take
Speaker 1: a while and a lot of wasted, crappy beer that
Speaker 1: I have to drink in order to get there, and
Speaker 1: there's people doing it on such an amazing level. Like
Speaker 1: there's no way it's even possible for me. I mean,
Speaker 1: I don't want to say nothing's possibly. It's not impossible.
Speaker 1: It's not possible, but it is. How how long would
Speaker 1: it take me to be be able to brew a
Speaker 1: beer as good as other half I p A s
Speaker 1: or as good as a barrel age sour from Casey
Speaker 1: Brewing blending and brewing or like, it's just it would
Speaker 1: take me so long to anywhere near that vicinity. I'm
Speaker 1: just gonna drink the good stuff that other people make.
Speaker 1: That's true, but there is some I mean there's a
Speaker 1: frugal side of it as well, right, because imagine once
Speaker 1: you did dial in, like right now we're drinking the
Speaker 1: double I p A. Would if you were able to
Speaker 1: dial in a killer, hazy double I p A. It's
Speaker 1: one that you're able to keep on draft at your
Speaker 1: house and anytime friends came over, you would you had
Speaker 1: the honor, the joy to be able to pour them
Speaker 1: your very own double I p A. Y How awesome
Speaker 1: with that? No, that sounds yeah, that sounds like really
Speaker 1: fun to be able to do that. We we did
Speaker 1: talk with a brewery at one point about doing a
Speaker 1: collab beer, which would be really fun. Remember that, Well,
Speaker 1: so it's one of my favorites and and it would
Speaker 1: be really cool if you get to go down there
Speaker 1: and brew a beer with him one day. Okay, remember, yeah,
Speaker 1: so we'll see. I don't know, maybe that will happen
Speaker 1: at something that would be awesome. That would be cool. Uh, yeah,
Speaker 1: I've I've tried it. I did it once early on
Speaker 1: in my craft beer career, and so because it was
Speaker 1: early on, I'm guessing I probably remember it being better
Speaker 1: than it actually was. But it was a Russian Imperial
Speaker 1: stout and we brewed it, me and my roommate at
Speaker 1: the time. We brewed it with another friend of ours
Speaker 1: who was a pretty serious homebrewer. But I remember it
Speaker 1: being being solid. I even gave a couple of bottles
Speaker 1: to my father in law because I thought he liked beer.
Speaker 1: I mean, he does like beer. But the Macro produced
Speaker 1: loggers that first the hot water, which is basically what
Speaker 1: Bud is right exactly. Yea, uh, and so that was Josh.
Speaker 1: Lauren asked, do you have any other craft beer equivalence
Speaker 1: besides beer, Joel, Yeah, we both do. And so that's
Speaker 1: one of those things where, yeah, we we say a
Speaker 1: few craft beer equivalents, right, so that you prioritize not
Speaker 1: just one thing, but typically for the average person is
Speaker 1: gonna be something like three or four, three or four things.
Speaker 1: So my other craft beer equivalence, Well, the thing is
Speaker 1: they changed too. So I would have said international travel
Speaker 1: it varies, was one of those things ten years ago,
Speaker 1: pretty kids, it was something we did at least once
Speaker 1: a year. We got to see some really great spots.
Speaker 1: Actually have a question about that later, but uh, now
Speaker 1: that's kind of changed. We we've actually our craft beer
Speaker 1: equivalent now is local places to eat is one of
Speaker 1: those things. We spend more money eating out than we
Speaker 1: do on travel these days. Um, it's just kind of
Speaker 1: gone up in our book and hopefully that will change
Speaker 1: as we get older and we'll go back. We'll revert
Speaker 1: back to more travel once once our kids get get bigger.
Speaker 1: But one other thing I've always talked about on the
Speaker 1: show is full heart. We buy weird art, uh, and
Speaker 1: that's something my wife and I are into at least
Speaker 1: one piece a year. The weirder the better, the weird
Speaker 1: the better. Joel always said, I know, I like the
Speaker 1: funky stuff. And we actually just went to a full
Speaker 1: heart festival not too long ago about like four awesome pieces,
Speaker 1: but that the cool thing was none None of those
Speaker 1: pieces were more than fifty bucks. So even even so,
Speaker 1: but we we're willing to spend hundreds and hundred dollars
Speaker 1: on a great piece of art once a year if
Speaker 1: we find the right right thing. Yeah, like you said,
Speaker 1: craft beer equivalence, I think they do evolve and more
Speaker 1: from change over time. But and so right now, I
Speaker 1: would say my craft beer equivalent is most definitely paying
Speaker 1: for my cross fit membership, because it ain't cheap. Anybody
Speaker 1: who has not only joined a gym, but specifically joined
Speaker 1: a cross fit gym knows that they can be quite
Speaker 1: expensive because you're not just paying for access to a
Speaker 1: bunch of weights that are sitting there, or like a
Speaker 1: rolling machine that kind of thing. You're you're paying for
Speaker 1: the jobs of a bunch of different trainers who are
Speaker 1: they're guiding you through the movements and teaching you. Uh.
Speaker 1: And so for me right now, that's most definitely my splurge.
Speaker 1: It's cross fit and actually a little money tip a
Speaker 1: listener I cannot remember her name, but she emailed in
Speaker 1: and shared after that episode. You know, we did the
Speaker 1: you know, going full CrossFit on your finances a few
Speaker 1: weeks ago, but she emailed about this, uh, this service
Speaker 1: called street parking, which is something it was something like
Speaker 1: twenty bucks a month and it gives you access to programming.
Speaker 1: So obviously you need to have some sort of foundation
Speaker 1: under your belt before you kind of dive into d
Speaker 1: I y ing it at home. But this is totally
Speaker 1: an option that I think for a lot of folks
Speaker 1: who are looking to maintain that habit but who are
Speaker 1: also looking to not pay off the nose for the
Speaker 1: expensive CrossFit membership, that's definitely worth checking out. Again, it
Speaker 1: is called street parking. Yeah, well we'll link to that
Speaker 1: in the shore notes as well, just so you can
Speaker 1: you can check that out if you're interested. But Mat
Speaker 1: and Matt you would say that you don't necessarily you
Speaker 1: don't have to have cross fit, but for you, especially
Speaker 1: as you're learning, it's it's really good and for you,
Speaker 1: the coaching part is really it's been awesome. Yeah, So
Speaker 1: and you might not do it. Provides that perpetuity. Oh yeah, well,
Speaker 1: and that's I thought. What you're gonna say is that
Speaker 1: I may not do it except for the fact that
Speaker 1: I do have coaches not yelling at me, but just
Speaker 1: the accountability that comes with being there. At the certain classes,
Speaker 1: Folks come to expect that you're going to be there.
Speaker 1: There's a certain level of accountability. So I guarantee I've
Speaker 1: done it more than I would have if it was
Speaker 1: just left to me at home by myself. But again,
Speaker 1: over time, if that's a discipline I can develop, and
Speaker 1: once I learned some of those basic movements, then I
Speaker 1: could Well, I mean, I am all about d I
Speaker 1: Y and stuff and saving money and you know, doing
Speaker 1: stuff at home. Thus the craft beer homebrewing conversation we
Speaker 1: just had, Jole, But in this case, I'm just not
Speaker 1: quite there yet. Cool cool, all right, Well maybe one
Speaker 1: of these days, but for now, you don't mind spending
Speaker 1: the money. It's one of those craft beer clements. When
Speaker 1: you name it like that, totally my splurge, you know,
Speaker 1: it becomes a lot less. It's difficult to funnel money
Speaker 1: in that direction when you've kind of named it as such. Well, yeah,
Speaker 1: I mean, that's that's the tough thing about it, though,
Speaker 1: is because it's typically at the beginning of the year.
Speaker 1: At the end of every calendar year, we sit down
Speaker 1: and we look ahead, and we forecast and we dream
Speaker 1: and we decide sort of preemptively what we're going to
Speaker 1: spend our money on. And this was one that basically
Speaker 1: showed up in the middle of the year. And so
Speaker 1: because of that, I think there is sort of this
Speaker 1: sense of guilt. But I know next year it'll be
Speaker 1: a lot easier because it's something that we've already spent
Speaker 1: money on, and so I will then be able to say, no,
Speaker 1: this is something that is important, whereas this year it
Speaker 1: kind of felt like it, uh kind of found its
Speaker 1: way onto the budget without as much planning, but makes
Speaker 1: sense alright. So Lindsay wants to know when did each
Speaker 1: of you become interested in money and financial literacy. Well,
Speaker 1: for me, I'll say that, uh, necessity is the mother
Speaker 1: of all invention. I became interested in personal finances when
Speaker 1: I realized they didn't have any money. Like I had
Speaker 1: taken my first job out of college and I was realizing, Man,
Speaker 1: my paycheck is not going nearly as far as I
Speaker 1: thought it would. And so that's when I learned about budgeting.
Speaker 1: That's when I created my first budgets at that point
Speaker 1: in time. It's also when I discovered Dave Ramsey. Though
Speaker 1: at that point I didn't have any any any debt,
Speaker 1: but I still realized the importance of budgeting specifically. And
Speaker 1: so yeah, that started the process of me thinking about
Speaker 1: money talking about it. Kate and I were engaged at
Speaker 1: that point in time as well, and so it was
Speaker 1: a discussion that her and I were having as well.
Speaker 1: So it wasn't just something I was doing, but it's
Speaker 1: something that we were talking about, which made it more comfortable,
Speaker 1: I think for me to then talk about personal finances
Speaker 1: with other people. I think that may may have led
Speaker 1: to me feeling comfortable with talking about money with you, Joel,
Speaker 1: and which maybe ultimately helped lead us to the podcast
Speaker 1: as well. The fact that was a part of our
Speaker 1: friendship early on. Was just talking about money for sure. Yeah,
Speaker 1: and for me. You can hear the full, the longest
Speaker 1: version of the story in that that podcast episode where
Speaker 1: Matt interviewed me about my money story. But childhood, it
Speaker 1: was it was my parents not being great with money.
Speaker 1: It was about the troubles that that caused the fights,
Speaker 1: and so I tell kind of like the long form
Speaker 1: story in that one. But and then and then getting
Speaker 1: to to work for a radio show that was for
Speaker 1: fifteen years. It was all about personal finance too, ra advocacy,
Speaker 1: and that combined with my past, like with with what
Speaker 1: I experienced in childhood, just to lit this flame in
Speaker 1: me for a care to to do well with my
Speaker 1: own money and then to help other other people do
Speaker 1: the sense of the perfect recipe for you. Uh, last
Speaker 1: question here before the break, Kevin asked if you weren't
Speaker 1: financial gurus, which I'll put an asterisk next next to
Speaker 1: that right there. Uh what financial idiots? Know? What career
Speaker 1: do you think you would have gone for? Joel? All right, So,
Speaker 1: I've always loved broadcasting. I got into radio because I
Speaker 1: thought it was the coolest medium to reach people. Long
Speaker 1: form audio, to me is is really the most effective
Speaker 1: way to get something across. And I love the relationship
Speaker 1: you can build with a listener just by being in
Speaker 1: their ears for forty five minutes, three days a week.
Speaker 1: And so but for me, it would have been being
Speaker 1: the Braves announcer probably like, uh, that's what I wanted
Speaker 1: to do. The dream job yeah, I took a sports
Speaker 1: podcasting class in college. It I mean, it's possible. It's possible,
Speaker 1: like that's I mean, I don't know. Maybe it's easier
Speaker 1: for me to think this way because for you, I guess,
Speaker 1: like it feels like a continuation of your previous career.
Speaker 1: But for me, being a photographer, this has been a
Speaker 1: completely massive pivot in my life, and so it's not
Speaker 1: very difficult for me to imagine the different future, I guess,
Speaker 1: other than talking about money with you while drinking beer
Speaker 1: here on the show, but generally speaking, I found that
Speaker 1: one of the most rewarding aspects of what we do
Speaker 1: here on how the money is seeing the positive impact
Speaker 1: on individuals lives. The fact that we've been able to
Speaker 1: encourage and provide the information for folks to completely change
Speaker 1: their life, to to change the trajectory of their life
Speaker 1: has been incredibly rewarding. And so I guess kind of
Speaker 1: going going along that path like finding some way to
Speaker 1: like this is gonna sound super woo woo, but like
Speaker 1: life coaching or like some sort of like general wellness.
Speaker 1: Money is one aspect of living a full, complete, happy life,
Speaker 1: but there are other aspects as well, like um, like
Speaker 1: physical fitness. I mean, like, again, that's something that you
Speaker 1: and I have kind of thought more about recently. But
Speaker 1: like social wellness, spiritual health, men, well, like, there are
Speaker 1: all these aspects of personal health that I think oftentimes
Speaker 1: get overlooked, and folks don't give all these other aspects
Speaker 1: the time that they should in order to find the
Speaker 1: balance that they need in their own lives. Some people
Speaker 1: just don't have the time, or they feel like they're
Speaker 1: crunched and think that or they don't feel that they
Speaker 1: have the time when instead it's like, well, maybe if
Speaker 1: you weren't watching Netflix or watching whatever, like whatever it
Speaker 1: is that they're doing. I think if it's yes, I
Speaker 1: think we do. And I think oftentimes we're so focused
Speaker 1: on our careers or whatever specialty that we give all
Speaker 1: of our attention to, that we don't give time for
Speaker 1: these things. Um that would allow us to become like
Speaker 1: more generalists basically as opposed to specialists. And I think
Speaker 1: we might need more generalists in our world, or at
Speaker 1: least more of a generalist approach when it comes to
Speaker 1: living a balanced life. All Right, I got it. I
Speaker 1: like that. I like that. All right, So we thank
Speaker 1: you for all those questions we've got a bunch more.
Speaker 1: We want to get to just so many, so many
Speaker 1: good ones that people sent in. So yeah, we'll get
Speaker 1: to our thoughts on a bunch more of your questions.
Speaker 1: We'll get to those right after this. All right, we're
Speaker 1: back from the break to hit the ground running. Nate.
Speaker 1: He is asking how many bikes do you individually have
Speaker 1: and what's the best one? Are ones that you like?
Speaker 1: I have two bikes, and I don't know have in
Speaker 1: our garage as a whole. Basically everyone in our family
Speaker 1: has one bike. I have too, and that's because I
Speaker 1: have my road bike and I have my Radwagon. My
Speaker 1: Radwagon is the electric cargo bike, and so that helps
Speaker 1: me slinging my kids around town, and the road bike
Speaker 1: helps sling me slinging myself around town. And that's all
Speaker 1: I've really felt like I needed. I'm kind of considered
Speaker 1: getting a mountain bike, but haven't boiled the trigger yet. Yeah,
Speaker 1: we've got like around I think around seven bikes likely
Speaker 1: to I feel like our fleet is likely to increase
Speaker 1: over the years, as as the younger ones are riding
Speaker 1: more as well. But I've got to I've got the
Speaker 1: the Salsa, which is my gravel Bike, which is the
Speaker 1: bike that I ride to work here in our office
Speaker 1: every single day. And then I've got the u BA Mondo,
Speaker 1: which is the long tail cargo bike, which honestly I'm
Speaker 1: not riding nearly as much, which is kind of sad
Speaker 1: to think about. But maybe I should consider selling it.
Speaker 1: But your kids are getting older too, Yeah, they're they're
Speaker 1: getting a part of it. I still take mind to school,
Speaker 1: you have to do your schools. Not close exactly exactly,
Speaker 1: but it's yeah, definitely worth considering because I would love
Speaker 1: to have a road bike like Ugel, Like the gravel bike,
Speaker 1: it's just like a general all purpose bike, awesome for
Speaker 1: just banging around town getting to wherever I need to go.
Speaker 1: But I would love to consider getting like a road
Speaker 1: bike to be able to get on the roads and
Speaker 1: just the ability to go fast to those rides. So
Speaker 1: I'm like, absolutely, man um, but but yeah, I mean,
Speaker 1: but ultimately, Nate, I would say, like, if you're asking
Speaker 1: this because you are curious and getting a bike, I
Speaker 1: would say, get whatever bike that you're gonna be able
Speaker 1: to ride. And I think oftentimes utility biking is it's
Speaker 1: basically underrated, and that is finding ways to bike to
Speaker 1: some of the places that you're already gonna go in life.
Speaker 1: As those hybrid bikes, by the way, are typically perfect
Speaker 1: for a lot of people. They're somewhere in between, kind
Speaker 1: of like a gravel bike and a road bike. Tires
Speaker 1: are a little bit fatter. So yeah, I think that
Speaker 1: can be a good choice for a lot of folks. Yeah,
Speaker 1: And honestly, just to be honest, like the type of bike,
Speaker 1: like focusing on the gear oftentimes just gets over It's overrated.
Speaker 1: I think the vast majority of the kind of biking
Speaker 1: that folks are looking to do can honestly be done
Speaker 1: on any type of bike. Um. But that being said,
Speaker 1: those are the kind of bikes we have. All right,
Speaker 1: let's get to the easiest question, Matt. This one's from James.
Speaker 1: He says, what are the three most important decisions you
Speaker 1: made in your lifetime? And then he says what factor
Speaker 1: questions you say, yes, exactly what factors went into the
Speaker 1: outcome of those decisions? And he says, timing, luck, priorities, etcetera. So,
Speaker 1: all right, three most important decisions you made, buddy? What
Speaker 1: don't they? Um, I thought you're gonna you're gonna call
Speaker 1: you and me start, well, I mean, I think who
Speaker 1: who I'm married? Huge? Huge, Like that was okay the first.
Speaker 1: I don't know that there's any more important decisions I've
Speaker 1: ever made, because you're you're basically tying your fate in
Speaker 1: your future to someone, And especially when you're when you're
Speaker 1: young and you get married, like you're kind of dumb,
Speaker 1: you grow a lot, and so you're hoping that you
Speaker 1: grow together in wisdom, in love and so oh, I
Speaker 1: just feel really fortunate to have been married to the
Speaker 1: right person and just the ability that hopefully your partner
Speaker 1: can provide you the balance that they can provide you,
Speaker 1: Like I would be such a worse human being if
Speaker 1: I had married Kate and you're already pretty bad, Like
Speaker 1: could you could you imagine exactly? Like could you imagine? So,
Speaker 1: I yeah, that was totally my first one as well.
Speaker 1: I'm curious to see if our top three decisions mirror
Speaker 1: each other. Having kids number two, it's been massively formation
Speaker 1: I left I left the kids. Okay, I think it's been.
Speaker 1: It's been huge for me that that just well, it's
Speaker 1: brought a lot of joy to my life having kiddos,
Speaker 1: and it's also made me grow up in a way
Speaker 1: that ways that I otherwise would not have. So I
Speaker 1: think the ways in which yeah, you you talked about
Speaker 1: your wife being formation on mine too, but my kids
Speaker 1: formed me in major ways as well. And then faith, faith,
Speaker 1: But I kind of think of faith as like this uh,
Speaker 1: continual decision that I have to make in in in
Speaker 1: in a in a similar direction what Eugene Peterson, a theologian,
Speaker 1: calls along obedience in the same direction, I kind of
Speaker 1: think of that My faith is that so hard to
Speaker 1: boil down the three most important decisions of your life
Speaker 1: and in like thirty seconds or last But that's what
Speaker 1: I would tell James, Yeah, because I would say that
Speaker 1: both of those last two are also very important to me,
Speaker 1: but I did not include kids or faith. Like So,
Speaker 1: my second decision I put down was choosing to work
Speaker 1: for myself because the just the the entrepreneurship spirit that
Speaker 1: that instilled within me. I mean, I know I had
Speaker 1: a degree of that, but just actually doing that and
Speaker 1: getting a taste for that freedom where no one nobody
Speaker 1: is necessarily setting my schedule for me, it's it's me,
Speaker 1: or in this case it was Kate and I. We
Speaker 1: were working together, and just the ability that we had
Speaker 1: the freedom and the flexibility and the autonomy that we
Speaker 1: had during the I mean, it was a decade plus
Speaker 1: that we had being able to live the life that
Speaker 1: we wanted to live was incredible. And there were times
Speaker 1: when I considered going back to like a more of
Speaker 1: a corporate nine to five kind of job, and every
Speaker 1: single time we considered it, we quickly came to the
Speaker 1: realization that there's no way that we can do this.
Speaker 1: Like once you have a taste of you know what
Speaker 1: you and I would now call called I don't want
Speaker 1: to say that it's like good life, but the entrepreneur
Speaker 1: entrepreneurship life, well, we we're basically hard to go back
Speaker 1: become unemployable because we're so addicted to the kind of
Speaker 1: lifestyle where for me being able to do that was
Speaker 1: largely it was largely being in creative control, so in
Speaker 1: control amount it was important, but just not not being
Speaker 1: subject to someone like, well, we want to go in
Speaker 1: this direction, and if I don't think that that's the
Speaker 1: right direction to go in, I don't have any say
Speaker 1: if I'm employed by by someone else, a giant machine,
Speaker 1: by a big cog when is our thing. It's just
Speaker 1: like you and I have to sign off on it,
Speaker 1: which I think it's great. Sometimes we have to flip
Speaker 1: a flip a coin if it. Um. So my last one,
Speaker 1: I'm going to really lay the guilt on you with
Speaker 1: this one, Joel, Is you buddy, Joel? So not only
Speaker 1: just I did they cross my mind that I thought
Speaker 1: about it? Um? Not not only like obviously we had
Speaker 1: years and years of friendship um, and just you know,
Speaker 1: the good memories, the awesome years of not only like
Speaker 1: you and me, but Kate and Emily traveling together, camping,
Speaker 1: holding each other's first babies. Like the problem is it
Speaker 1: says decision that you made, and well I chose you,
Speaker 1: choosing to be friends. And so there's like this whole
Speaker 1: personal side of our friendship. But then you can also
Speaker 1: even sort of isolated to to financial because even before
Speaker 1: we started the company, before we started how the money,
Speaker 1: we were still we were challenging each other from a
Speaker 1: financial standpoint, right Like we were saying, oh, what are
Speaker 1: you thinking about about doing here? What are you thinking
Speaker 1: about doing with your tax refund? And in some circles
Speaker 1: it would be there would be a lot of talk
Speaker 1: about spending that in ways that would basically just lead
Speaker 1: to consumption going to Bahamas. But we were just talking
Speaker 1: about ways to be smart with that money, about ways
Speaker 1: to invest that money. And and so they're like, I
Speaker 1: know before we started, how the money we were. I
Speaker 1: I can say that I know we were in a
Speaker 1: better financial spot because of our relationship with you and Emily.
Speaker 1: But then you add how the money or originally poor,
Speaker 1: not poor, you add that to the mix, and just
Speaker 1: the ability for that just to add even more fuel
Speaker 1: to the fire. The ability for us obviously to work
Speaker 1: together and spend inordinate incredible amounts of time together. But
Speaker 1: then also too, obviously the business, how the money, it's
Speaker 1: been profitable. It's something that we've been able to now
Speaker 1: do for full time for a couple of years. It
Speaker 1: is incredible. So when I think about, I guess the
Speaker 1: most recent years, I'm like, man, that was a big
Speaker 1: stinking deal, big Harry deal. And then had we not met, like,
Speaker 1: you know, twelve years ago, whatever, And think about the
Speaker 1: things that we've done together, just little things and also
Speaker 1: big things like moving our families at the same time,
Speaker 1: so big, yeah. And when you find I think that's
Speaker 1: one of the things it's all my fault. No, it's
Speaker 1: been it's been a lovely thing, I think both of
Speaker 1: our families. But that's one of those things too. I
Speaker 1: think we we undervalue deep, meaningful friendship in our society.
Speaker 1: And we talked about the stats. I don't not too
Speaker 1: long ago, but people have fewer friends than they used
Speaker 1: to have, fewer deep friends that they can count on.
Speaker 1: And so when you have those friends, man nurture of
Speaker 1: those friendships because they're gonna take you places, they're gonna
Speaker 1: encourage you, especially especially all the men out there. Yeah,
Speaker 1: for sure, Yeah enough friends. And James mentioned timing, luck
Speaker 1: and priorities. I don't. Yeah. I think there's that question
Speaker 1: at the end of every depends on how I built
Speaker 1: this about whether it was luck or skill, right, And
Speaker 1: I think that's a really hard question to answer. Um,
Speaker 1: I think there's both, right. There's a lot of intentionality.
Speaker 1: There is a lot of good fortune. I think our
Speaker 1: parents have played a massive role in the people that
Speaker 1: we are wives have as well. Everything altogether, it's a
Speaker 1: big old cauldron that's that's stirring and a bunch of
Speaker 1: things thrown in, and so we feel really fortunate. We
Speaker 1: also try to work hard to live up to our standards.
Speaker 1: Right that we have for this show, but for our families,
Speaker 1: for for um our broader goals. Yeah, I would say
Speaker 1: it's not like luck hard work. It's like a hundred
Speaker 1: percent of everything. It's it's everything, it's all of it
Speaker 1: combined together in order to to get us to working
Speaker 1: off the math works on that. But I Paul, now
Speaker 1: you're starting to sound like a football coach. That's kind
Speaker 1: of what it feels like. Um Paul said, tell us
Speaker 1: more about your long term fitness goals, Joel, do you
Speaker 1: have any Not really? Honestly, it's funny. We did the
Speaker 1: CrossFit Your Finances episode and when I was thinking about
Speaker 1: this question, I was like, my main thing is to
Speaker 1: be consistent, right, My main thing is to slowly game strength,
Speaker 1: is to get a little more fit. But I don't
Speaker 1: have any major thing. I'm talking with my brother in
Speaker 1: law about doing an abbreviated iron Man like this this
Speaker 1: like it's basically like sprint exactly, so it's like a
Speaker 1: five k and like seven yards swim and rind like
Speaker 1: that's something I can do. Maybe that's a goal worth
Speaker 1: striving for doing that in the spring, But no, my
Speaker 1: ultimate I don't have any long term fitness tools. It's
Speaker 1: just to be consistent because for all of my life,
Speaker 1: I've never really worked out, and I've been fairly consistent
Speaker 1: here for like four months, and so I just want
Speaker 1: to keep that going. Yeah, yeah, same here. It's I
Speaker 1: don't have like these. I mean, I want to be stronger,
Speaker 1: I want to be like my ultimate goal is just
Speaker 1: to be healthy. I mean, the whole point is to
Speaker 1: have a functioning body that is able to allow me
Speaker 1: to do the things I want to do in life. Right,
Speaker 1: I think that's where I had, Like a focus on
Speaker 1: fitness and health can eclipse the other goals, like what
Speaker 1: I would would argue might be the more important things
Speaker 1: in life. Right in this way, like health and fitness,
Speaker 1: it's like exercising, it's a means to an end in
Speaker 1: my mind. It's not the end in and of itself.
Speaker 1: Like it's certainly fun and it's certainly something I en
Speaker 1: really and I understand that there's a lot of folks
Speaker 1: who who even make their living by coaching or being
Speaker 1: an instructor or a trainer that kind of thing. But
Speaker 1: for me, I think for the common person, I think
Speaker 1: it's helpful to think about it as a means to
Speaker 1: an end rather than the thing in and of itself.
Speaker 1: Same same thing with amassing money, right, It's like money
Speaker 1: is the tool, and if your goal is to mass
Speaker 1: tons of money, like I don't have a goal to
Speaker 1: like bench press four hundred fifty pounds, that's just not
Speaker 1: It's something I care about, and I think it's fine.
Speaker 1: If that's the kind of the metric that you use,
Speaker 1: that's fine. Um, and I think it's I think it's
Speaker 1: more harmful in terms of money when I think your
Speaker 1: focus could be so much on amassing more and more
Speaker 1: that you forget that it's a tool to accomplish the
Speaker 1: things that matter to partaking your craftier equivalent and build
Speaker 1: wealth so that you can so that you can amass
Speaker 1: freedom and then also find ways to get give that
Speaker 1: money away to the benefit of other people. But Alice
Speaker 1: get next question. This one comes from Tiana. She says,
Speaker 1: if you were a first time HomeBuyer in Atlanta, what
Speaker 1: areas would you recommend. I think we can be brief
Speaker 1: on this one, but uh, we love we love it Ana.
Speaker 1: We just moved just north of the city, but we
Speaker 1: still think it's one of the greatest cities. And actually
Speaker 1: I think it was Money Magazine said Atlanta's number one, Uh,
Speaker 1: the best city in the country, and Atlanta's got it
Speaker 1: going on. I'm not going to disagree that our fair
Speaker 1: city was ranking number thirty five where we moved to
Speaker 1: actually interestingly enough, but I would say Capital View and
Speaker 1: East Point. Oh yeah, those are the two neighborhoods I
Speaker 1: would say look there because I think they have long
Speaker 1: term pidential I thought you'd have more specific neighborhoods. I
Speaker 1: feel like you like you have your ear to the
Speaker 1: ground more when it comes to to like newer, up
Speaker 1: and coming neighborhoods. I thought I was going to say those,
Speaker 1: and I thought you were gonna be like, oh, those
Speaker 1: were those are yesterday's neighborhoods. Now I still really like those.
Speaker 1: But yeah, no, I agree with I think that Tri
Speaker 1: City area, that Hapeville College Park, East Point, like all
Speaker 1: those are great towns just south to south the town
Speaker 1: and and and I think later on in the Facebook
Speaker 1: post she mentioned her budget. I think she said four
Speaker 1: thousand and there are other neighborhoods that we could recommend.
Speaker 1: It just depends on the side of the house and stuff. Uh,
Speaker 1: Like we could say, oh, Inman Park's great. Imman Park
Speaker 1: is a great neighborhood, but it's also really really expensive.
Speaker 1: So if you're talking about living somewhere that is like
Speaker 1: has is cool in town living, but that doesn't cost
Speaker 1: a ridiculous amount of money. The couple of the neighborhoods
Speaker 1: I would consider truly are probably Capital of View and
Speaker 1: East Point yep Sylvan Hills that's near their near Capital View,
Speaker 1: kind of that Purkison Park area. But I mean generally speaking,
Speaker 1: focus on the neighborhoods to like, don't just look at
Speaker 1: the financials, but look at the infrastructure, look at what
Speaker 1: they what those communities have that you're looking for when
Speaker 1: it comes to it to where it is that you
Speaker 1: want to live, but find you know, the ability to
Speaker 1: find a community, a neighborhood that feels like it's it's
Speaker 1: got some some runway ahead of it where you do
Speaker 1: see it improving. Yeah, and they're just waiting on those
Speaker 1: folks to show up and invest some of that that
Speaker 1: time and energy into making those neighborhoods and making those
Speaker 1: communities into what it is that you and and other
Speaker 1: folks were moving in. What you're looking for. And I
Speaker 1: think when you see a sense of neighborhood pride, stuff
Speaker 1: like community gardens. When I'm driving around, those kind of
Speaker 1: things strike me as like, wait a second, even though
Speaker 1: maybe this community hasn't been as loved or hasn't had
Speaker 1: the same infrastructure like input from city developers over years,
Speaker 1: there's something happening here. And I think Capital of You
Speaker 1: was one of those places where and we've already seen
Speaker 1: like a lot happened there in the past since you
Speaker 1: and I bought our first property. Yeah, but then with
Speaker 1: east Point, Like, what's great about east Point is it's
Speaker 1: on the Marty Line and so you've got that direct
Speaker 1: public transit, that direct connection to the city, and so
Speaker 1: that's something that you don't want to overlook as well. Uh,
Speaker 1: let's keep moving. Joel Kyle says, when naming your kids,
Speaker 1: did either of you have a name that you really
Speaker 1: wanted but your wife vetoed? Did you that happen with y'all? Well,
Speaker 1: just the middle name for Ezra, I really wanted. My
Speaker 1: dad's middle name is Luther. My grandpa was a Lutheran minister,
Speaker 1: and so I wanted Ezra's middle name to be Luther.
Speaker 1: And then tell you that I don't really like that.
Speaker 1: So now he went, he has my middle name and
Speaker 1: my dad's first name, which is so it's Ezra David.
Speaker 1: But and I do remember showing for the hospital to
Speaker 1: meet your second daughter, and she was named something different
Speaker 1: than she is today. Well, we had named her, but
Speaker 1: the more we used her name there in the hospital,
Speaker 1: the more we realized, this isn't her name. I don't
Speaker 1: know what it was, but it just didn't flow off
Speaker 1: the tongue like we were expecting. And so we literally
Speaker 1: we called him audible, and we did. We'd already told
Speaker 1: our parents and everything, but then when they showed up
Speaker 1: in the hospital, we told her. We told them her
Speaker 1: new name, and they thought we were joking. But I
Speaker 1: am specifically thinking of Kyle Um I our third daughter.
Speaker 1: I wanted to name Savannah because I've got this thing
Speaker 1: for girls that have boy sounding names, like Andy, what's
Speaker 1: another one, Um, There's a bunch of a bunch of
Speaker 1: names out there that are traditionally considered boy names, but
Speaker 1: they can also be Taylor, Taylor, uh. And so with Savannah,
Speaker 1: the idea was that we would name her Savannah, but
Speaker 1: I wanted to call her Van, which I thought was
Speaker 1: going to be the coolest thing ever. Kate disagreed. She
Speaker 1: just couldn't get behind naming her like the super southern
Speaker 1: sounding names. Savannah the Van is the leading lady in Atlanta.
Speaker 1: Zazzi beats his character's name, which still one of my
Speaker 1: all time paper shows. All Right, what's a hobby, Matt?
Speaker 1: You you aren't into, but you wish you were? Go
Speaker 1: back to going back to homebrewing. I kind of wish
Speaker 1: I was in. That was also one from Kyle by
Speaker 1: the way, Yeah, yeah, like if I was a master
Speaker 1: homebrew again. The ability to have some amazing beer on hand. Uh.
Speaker 1: I wish I was into smoking meat. That's not That's
Speaker 1: something that you've kind of gotten into. And I feel
Speaker 1: like I'm slowly testing the waters a little bit, getting
Speaker 1: the field for but it's not something I do at
Speaker 1: all right now. But I kind of wish I did,
Speaker 1: all right. I wish I reade more. I wish I
Speaker 1: read books more. I read a lot of period I
Speaker 1: read a lot for the show. I read a lot
Speaker 1: during my five I wish I wasn't so dang tired
Speaker 1: at night and then I could stay up and read
Speaker 1: more books. Also, pick pickleball. Everybody's into it. I kind
Speaker 1: of want to get into it too. I want to
Speaker 1: join the Bandwagon. I'm not gonna lie. Have you ever played?
Speaker 1: I have not. No. I played one time and I
Speaker 1: had a blast, Like it was one of the most
Speaker 1: fun things I've ever done, So I would I would
Speaker 1: totally do pickle ball well. On a related note, what
Speaker 1: are some of the best non financial books that you've read?
Speaker 1: This is another one from Kyle. Anything by John Steinbeck
Speaker 1: and Anything and Everything by John Stebacks is my number
Speaker 1: one favorite book of all time. I also like books
Speaker 1: on more Town like so When Breath Becomes Their and
Speaker 1: Being Mortal. Um, those are two of my favorite books.
Speaker 1: Those are good. UM. I like one that stands up
Speaker 1: my mind, Coddling, The Coddling of the American Mind by
Speaker 1: Greg Lukianof and Jonathan Height. It's such a good book.
Speaker 1: I would and I would recommend recommend it for multiple reasons. One,
Speaker 1: it kind of explains like the polarized culture that we're
Speaker 1: in today. I think it explains a lot of how
Speaker 1: we arrived at that point. But then also for parents
Speaker 1: out there, as you are looking to raise resilient, adaptable, smart,
Speaker 1: functional children in this world. They spent a lot of
Speaker 1: time talking about like fragility and what it means to
Speaker 1: be anti fragile and what it means to be like
Speaker 1: a kid that can be just resilient in the world today.
Speaker 1: And so yeah, just from a just from a social commentary,
Speaker 1: and it's back by research as well. But it's interesting
Speaker 1: from that angle, but also from a from a parenting
Speaker 1: angle as well. I would I would recommend that one. Nice. Yeah, No,
Speaker 1: I like that. I like Jonathan knight Is is one
Speaker 1: of the social psychologists doing great works. Smart smart dude.
Speaker 1: All right, Izzy says, does the daily stress of life
Speaker 1: go away when you are financially stable? What you think? No, No, No,
Speaker 1: I don't think it does. No. I think there's still
Speaker 1: a lot of things to stress you out in life,
Speaker 1: especially as a dad with kids who are going through
Speaker 1: a bunch of stuff. But I will say, uh, to
Speaker 1: not have money as a stressor in addition, and it's
Speaker 1: not that we don't stress about money at all, right,
Speaker 1: but to have it largely off the table as something
Speaker 1: that creates arguments or something we have to worry about frequently. Yeah, No,
Speaker 1: it dials down the temperature of a lot of things
Speaker 1: that we have to discuss. And so I think it's
Speaker 1: really important to strive after a certain amount of financial independence,
Speaker 1: of more peace hot money, of just more margin in
Speaker 1: your life, because I do think, yes, it will. It
Speaker 1: can make your relationships better, and it can. It can.
Speaker 1: It can mean that there's less money becomes less of
Speaker 1: a source of constant friction. Yeah, it just depends on
Speaker 1: how many other daily stresses you have. If all your
Speaker 1: daily stress comes down to financial anxieties that you might have,
Speaker 1: then yeah, having some financial margin, having that what you
Speaker 1: and she said, financial stability, that would absolutely help, right,
Speaker 1: Like to not have to worry about whether or not
Speaker 1: you're going to have your power cut off or the
Speaker 1: water turned off like that kind of thing. Oh my gosh.
Speaker 1: I yes, to be able to have some financial margin
Speaker 1: to where you can remove those worries from your plate,
Speaker 1: that is priceless. But at the same so on one
Speaker 1: hand I would say yes, but on the other hand,
Speaker 1: I would say no, because it depends on what you
Speaker 1: then do with that additional margin. Because the typical cycle,
Speaker 1: I think most American consumers, they they basically arrive at
Speaker 1: a certain point, they remove a bunch of stresses from
Speaker 1: their life, but then they uh sign up for additional obligations,
Speaker 1: additional financial obligations that then add more stress to their life. Right.
Speaker 1: So I've known people who are financially free, who are
Speaker 1: not in a good place, who are not happy people,
Speaker 1: and who are stressed out because for other reasons. So
Speaker 1: even having enough money doesn't Yes, what if you're only
Speaker 1: looking at financial issues? Right, Like does more money equal
Speaker 1: like less stress? And I think that depends on what
Speaker 1: you introduced into your life. And so what I was
Speaker 1: gonna say is that, like, like you used to maybe
Speaker 1: be concerned with having your utilities cut off, right, but
Speaker 1: then like you mentioned like a boat earlier, but like,
Speaker 1: let's say you decided to buy a boat because you
Speaker 1: know what this said. Two, I'm in a place where
Speaker 1: I can afford a boat. Well, if you're barely getting
Speaker 1: by to where you can afford that boat payment or
Speaker 1: the additional expenses, and like it just escalates, like the wealthier,
Speaker 1: the wealthier you become if you continually sign up for
Speaker 1: additional debt obligations. Essentially, those financial stresses can always be there.
Speaker 1: It's just you're stressing over things that you never would
Speaker 1: have thought you would have been stressing about in a
Speaker 1: previous line. And I guess I think I interpreted the
Speaker 1: question a little different because did she she said, does
Speaker 1: the daily stress of life go away? And look at
Speaker 1: Elon Musk, look at Rogates. Those guys probably pretty stressed
Speaker 1: out with divorces, with taking on way more than might
Speaker 1: not way more than they can chew buying a social
Speaker 1: media company. There will always be things that happened in
Speaker 1: the world that there will always be some sort of instant,
Speaker 1: like something that's gonna make you make your footing feel
Speaker 1: like you're standing on sand. And if you think that
Speaker 1: money is going to cure all of your ills, you're
Speaker 1: dead wrong. And so yes, yes, having more money it's
Speaker 1: a tool and it can help certain things, but there's
Speaker 1: a lot of things that it can't speak to. There's
Speaker 1: a lot of things that it can't fix, So you
Speaker 1: have to know that going into it. Joel Alex asked
Speaker 1: what are your favorite music genres? Okay, my all time
Speaker 1: favorite music genre alt country, so not radio country, but
Speaker 1: the old country stuff, so like old school Ryan Adams,
Speaker 1: like Jason Isbell, I like to try by Truckers, like
Speaker 1: Tyler Childer's right now or all the bands I've heard
Speaker 1: you mentioned, but and then just probably indie rock. So
Speaker 1: some people say I like all the music, and I'm
Speaker 1: like no, I kind of like just a little bit.
Speaker 1: We've got the indie rock indie rock overlap, like I
Speaker 1: lean more and like the electronica like post rock kind
Speaker 1: of genre. And so I mean for I mean, I
Speaker 1: still am You're a big name back guy. I don't
Speaker 1: listen to as much music as I used to because
Speaker 1: it is oftentimes filled with podcasts and audio books. But
Speaker 1: like Radio Ahead, I probably have listened to more Radi
Speaker 1: Ahead than any other band in my entire life, like
Speaker 1: tron like Sun Lux Tycho, So maybe a little bit
Speaker 1: more of that ambient electronic music. But then like like
Speaker 1: Bony there and like Sufion, like these are all folks
Speaker 1: that's we overlap. Yeah, yeah, there's a lot of bands
Speaker 1: that we both like. It's not but but then I
Speaker 1: also like there's some bluegrass that I really like. I've
Speaker 1: been to. I think I've seen more nickel Creek not
Speaker 1: nickel Back shows than any other any other band in
Speaker 1: my entirely be in heaven. If nickel Back opened up
Speaker 1: for nickel Creek, that would be like the top bailing
Speaker 1: for you. I wish I could even sing a line
Speaker 1: or two of a Nickelback song, just to drive the
Speaker 1: point home. But I don't. I can't. All right, So
Speaker 1: on that note, Sandy says, what song when it comes
Speaker 1: on the radio, can you not resist singing out loud
Speaker 1: to Also what movie? No matter when you tune in,
Speaker 1: do you have no choice but to stop and watch
Speaker 1: the rest because you love it so much? All Right?
Speaker 1: I got the song. I would say any song on
Speaker 1: Third Eye Blind's debut album, like literally, I think I
Speaker 1: know the words to every single song on that album
Speaker 1: and when I saw them live recently along the whole
Speaker 1: Time journey for me, probably almost any journeys, like how
Speaker 1: can you not try to mimic step Verry even though
Speaker 1: nobody can? Movie? I don't. I don't have a movie
Speaker 1: like I mean, honestly, movies just aren't really a part
Speaker 1: of our life and we It's just I don't feel
Speaker 1: like I can give an honest answer. Willy Wanka for me,
Speaker 1: will Wanka the track Collectory, not the Johnny Depp version.
Speaker 1: Gosh darn ITTT the original hate that one. Sorry. I
Speaker 1: have a lot of animosity towards the Johnny Depp version
Speaker 1: because it's not nearly as good and I'm obsessed, like
Speaker 1: will that might be? That's Top five movies of all
Speaker 1: time for me. So if I see it, it just
Speaker 1: brings back so much nostalgia and I love the Gene
Speaker 1: Wilder's performance in that version, so it's fantastic. Yeah, it's
Speaker 1: a good one. All Right, We've got more to get to.
Speaker 1: More ask me anything questions from you guys. Our listeners
Speaker 1: will will tackle a few extras right after this break.
Speaker 1: All right, we are back from the break, Joel. We've
Speaker 1: got a few more questions we're gonna get to. These
Speaker 1: are questions that listeners submitted in our Facebook group. Someone
Speaker 1: did want to know, partly because in the post I
Speaker 1: mentioned that we could cover your deepest, darkest secret if
Speaker 1: the question was asked. We don't have time for the
Speaker 1: actual I feel like we're even now we're gonna go. Yeah,
Speaker 1: it's gonna be long than usual, but okily, as Matt
Speaker 1: ports the soul out in this third segment, it'll be
Speaker 1: worth it. This one is from Michael. How do you
Speaker 1: guys juggle family life and podcasting life more effectively? I'm
Speaker 1: sure there's a learning curve, but when transitioning into self
Speaker 1: own business, what we're your successes and pitfalls early on
Speaker 1: around family life and personal life, you gotta response. So
Speaker 1: first things first, starting something new and trying to do
Speaker 1: it at a high level means extra work when you're
Speaker 1: getting started, and so I think the key is communication, right,
Speaker 1: Like having that conversation with Emily was like, Hey, if
Speaker 1: this is something that you're behind and you think it
Speaker 1: is a good idea for us to start and see
Speaker 1: what happens, just letting you know I'm going to be
Speaker 1: a little more absent and it's going to take more
Speaker 1: effort and work, but we think that there's light at
Speaker 1: the end of the tunnel that this can be some thing.
Speaker 1: And so you have to have buy in and everyone
Speaker 1: kind of has to agree, and you have to kind
Speaker 1: of continually come back to communicate about Okay, how's it going,
Speaker 1: and like are is it worth it for all the
Speaker 1: parties involved? So I don't know, it's a learning curve,
Speaker 1: but communication is key. I totally agree. Communication. And then
Speaker 1: I feel like, I mean, honestly, I learned a lot
Speaker 1: of these lessons when Kate and I started UM started
Speaker 1: our company doing photography, but it was our life like
Speaker 1: it consumed everything. It's saturated every fiber of our being,
Speaker 1: Like every second of the day, I felt like we
Speaker 1: were talking of photography stuff, and that was great and
Speaker 1: on one hand because it meant a very successful business,
Speaker 1: but on the other hand, it was detrimental to our relationship. Uh,
Speaker 1: there's a lot of things that we didn't prioritize because
Speaker 1: we were so concerned with talking about business things. And
Speaker 1: so what that meant is I learned that for us,
Speaker 1: boundaries were really stinking important. And so for for what
Speaker 1: you know what that means with how the money is
Speaker 1: keeping like fairly hard boundaries when it comes to the
Speaker 1: you know, the work that we do here, you know,
Speaker 1: for the show and then the life I lead at home,
Speaker 1: Like the kids like they know that I've had a
Speaker 1: podcast that you know, Daddy and Mr Jolie sit down
Speaker 1: and they talk about beer, and they kind of like,
Speaker 1: I feel like our kids are starting to get older,
Speaker 1: and they kind of make fun of us a little
Speaker 1: bit because they'll hear us pull up an episode in
Speaker 1: the car, like we'll check it to make sure certain
Speaker 1: things are playing properly. You know, we're not sitting down
Speaker 1: listening to our own show. But they always kind of
Speaker 1: I think they get excited when the height of humors
Speaker 1: when they hear our show come comes up. If you're
Speaker 1: that in love with the sound of your own voice.
Speaker 1: But but otherwise they don't really know much of what
Speaker 1: we do. And for me, I think that's that's something
Speaker 1: that's something I'm proud. I'm proud of. Um. Granted, there's
Speaker 1: some overlap if I'm I'll read an article or read
Speaker 1: a book or something like that that has to do
Speaker 1: with work at home, because I'm just interested in it,
Speaker 1: and there's certainly some overlap. But for the most part
Speaker 1: in my life at least, it means they're they're some
Speaker 1: clear boundaries between work life and personal life. And that's
Speaker 1: probably to Matt while why you and I we don't
Speaker 1: put ourselves out there on Instagram a whole lot. It
Speaker 1: would just be more invasive. And it's it's not that
Speaker 1: we're against obviously we're answering all of your questions today
Speaker 1: on today's episode. We don't mind sharing those things, but
Speaker 1: we working right now, yes, and when it breaks into
Speaker 1: kind of our personal time, our personal lives, uh, it's
Speaker 1: we love meaning listeners, listener hangouts, we love answering your questions, like,
Speaker 1: we love that engagement. But typically between the hours of
Speaker 1: like like Monday through Thursday, half days on Fridays, and
Speaker 1: if we get whatever we can cram into there and
Speaker 1: at that time it's like pure joy and uh yeah,
Speaker 1: So so for us, we gotta we gotta make sure
Speaker 1: we keep those barriers intact so it doesn't feel like
Speaker 1: it's overwhelming, uh, the things we get to do and
Speaker 1: and enjoy at home, because that's the reason we're working right, uh,
Speaker 1: to sustain our families and to be able to really
Speaker 1: enjoy the time that we have away from here to
Speaker 1: all right, Michael says, and this is interesting, one says,
Speaker 1: most of the people advising folks on financial stability didn't
Speaker 1: get their wealth doing what they preached. They amassed it
Speaker 1: by selling a service teaching you about it. He says,
Speaker 1: I'd be curious to get a glimpse inside the financials
Speaker 1: of how running a podcast, investment properties, etcetera. Produces income
Speaker 1: in your cases. In the past, you've referenced spouses education
Speaker 1: goals and expected job dividends, etcetera. But I don't think
Speaker 1: i've ever heard personal results. Well, okay, so Michael, you
Speaker 1: know you're saying that other folks are would he said,
Speaker 1: selling a service teaching you about it? And I would
Speaker 1: argue that is not all that different than what we
Speaker 1: are actually doing here on the show. I think that's
Speaker 1: what he's saying. He's saying, like, so how do you
Speaker 1: did you guys? Are you guys only making money from
Speaker 1: the podcast or did were you? I read his question
Speaker 1: as in like, like, you guys are practicing what you're preaching.
Speaker 1: But what I'm saying is that, like I feel like
Speaker 1: we're more we've got more in common with those other
Speaker 1: folks who are out there selling themselves on the internet
Speaker 1: than maybe it would appear, right like, I mean, like
Speaker 1: those folks have courses and classes and mastermind groups and
Speaker 1: all that kind of stuff that they're selling, and that's
Speaker 1: one model. But for us, like we're talking about similar things,
Speaker 1: but we just have advertising. And so I guess what
Speaker 1: I'm highlighting here is that we're not all that different
Speaker 1: I guess maybe from some of the other content creators
Speaker 1: out there. But maybe what's different than is the spirit
Speaker 1: in which we do things where we're not I mean,
Speaker 1: sort of like what we were saying earlier, you know,
Speaker 1: the ability to ask the question is this something that's
Speaker 1: going to be able to provide value to listeners? Being
Speaker 1: able to run decisions through that filter helps us to
Speaker 1: maybe approach everything that we do with a slightly different
Speaker 1: spirit than just what's that gonna mean for our bottom line?
Speaker 1: Like how's this, how's this going to affect the income?
Speaker 1: That's not the question that you and I are asking
Speaker 1: our right. Well, we also talk about things on the
Speaker 1: show that we have done personally, things that we've studied
Speaker 1: this stuff extensively and we've put it into practice. And
Speaker 1: so I think there is the reality that we've talked
Speaker 1: about on the show before, Matt, there's a lot of
Speaker 1: TikTok influencers the meanwhile, they just don't have the knowledge
Speaker 1: and they don't have the depth of knowledge from doing
Speaker 1: it for a lot of years. You have started your
Speaker 1: own business. You and I have been personal finance nerds
Speaker 1: on this journey for at least fifteen years, and so
Speaker 1: uh and it was my full time job producing personal
Speaker 1: finance radio show for fifteen years. So it's one of
Speaker 1: those things where yeah, we're not financially independent right now,
Speaker 1: right and income from the podcast is a good thing.
Speaker 1: It does help us put food on the table. But
Speaker 1: I mean, I say, like, so he was sorry to interrupt,
Speaker 1: like he was asking to like how much of our income?
Speaker 1: Maybe he's asking that right, Like how much of it
Speaker 1: does come from the podcast, and we don't have exact numbers,
Speaker 1: but like the majority of our income does come from
Speaker 1: the podcast. We which have a handful of brunt of properties,
Speaker 1: which definitely which means that we have uh income from
Speaker 1: other areas. And so do we need the income from
Speaker 1: the podcast, Like, yeah, we do need to from the
Speaker 1: podcast right now? Do we need it five years from now? No,
Speaker 1: Like we've we've built up a reservoir as we've invested
Speaker 1: intelligently over the years, and so now like if if
Speaker 1: the revenue of the podcast went to zero, that would
Speaker 1: be that would be difficult, right, It's but but we
Speaker 1: are not, like you said, selling a service teaching people
Speaker 1: about it. We have over the years, I would say,
Speaker 1: amassed our wealth by doing the things we talked about,
Speaker 1: and now putting those out in podcast format is is
Speaker 1: a way to continue making money. But it is also
Speaker 1: something that we're passionate about and that we have extensive
Speaker 1: knowledge about, that we talk about regularly totally well. And and
Speaker 1: and the fact is if we let's let's say for instance,
Speaker 1: that I heard just got cane sold or went bankrupt
Speaker 1: or something like that, Um, we could totally survive without
Speaker 1: income from the podcast. It's something that we are leaning
Speaker 1: into right now because honestly, it's the most fun thing
Speaker 1: that I do every day when it comes to the
Speaker 1: work that I do. Uh, it currently does make the
Speaker 1: most money from a time spent, but it also has
Speaker 1: the most potential as well. It totally has the most
Speaker 1: future potential, but the ability there there's other things that
Speaker 1: we are both interested in, and I think it would
Speaker 1: not be difficult for us to kind of fire up
Speaker 1: these alternative sources of income if we wanted to. If
Speaker 1: all of a sudden, I had eight hours of my
Speaker 1: day back every single day too, then focus Like it
Speaker 1: makes me think about the like you hired property management recently,
Speaker 1: and does that eat into your rental property income totally?
Speaker 1: But you're able to use that time in ways that
Speaker 1: you want to, whether it be with how the money
Speaker 1: or just the other things you're interested in. And so
Speaker 1: there's there's different trade offs that you make throughout life,
Speaker 1: and I think what's important is to for there to
Speaker 1: be multiple options available to you. That doesn't mean that
Speaker 1: at certain times, at different given points in time, that
Speaker 1: you're not leaning into one of those areas a little
Speaker 1: more heavily than you otherwise would Does that make sense?
Speaker 1: You know it does, And I think the reality is
Speaker 1: there are a lot of people out there who have
Speaker 1: dabbled in some of these ideas who are still kind
Speaker 1: of fresh and new, but they do they are good
Speaker 1: at social media or they are good at online content,
Speaker 1: and so they're trying to make their money on the
Speaker 1: backs of teaching people in a way that might be
Speaker 1: costly to them, although beneficial for the creator themselves. And
Speaker 1: so that is our goal is to avoid that. We
Speaker 1: I know podcast ads are annoying, but it's our goal
Speaker 1: to keep how to money content like free and readily available.
Speaker 1: We think that it's uh, it's advice and information that
Speaker 1: the masses need to hear, that that everyone out there
Speaker 1: needs access to. And uh, there's nothing that needs to
Speaker 1: be behind a multi hundred dollar paywall. Uh and and
Speaker 1: hopefully we can keep all the content that we create
Speaker 1: re accessible down to earth. That's the goal absolutely. All right,
Speaker 1: let's hear from Katie. She said, I told a friend
Speaker 1: of mine about your podcast and your craft beer equivalent angle.
Speaker 1: Her response was the problem is I have too many
Speaker 1: craft beer equivalents. So what would your advice be for
Speaker 1: someone like this who has a hard time narrowing down
Speaker 1: a few areas to splurge on. Jilly, you have advice
Speaker 1: for Katie's friend, I would send her our Money Mission Statement.
Speaker 1: It is something. It's speaking of free resources. This is
Speaker 1: notthing Matt and I took our time to create. We
Speaker 1: think that walking through these questions and answering them will
Speaker 1: be helpful to you and will be helpful, specifically to
Speaker 1: your friend Katie as she's trying to hone in on
Speaker 1: a why. We We think that when what it's it's
Speaker 1: the Nietzche quote Matt, that he who has any y
Speaker 1: can bear anyhow. It makes it easier to forego like
Speaker 1: frivolous purchases when you have a deeper y attached to
Speaker 1: where your money is going. So, if you know, I'm
Speaker 1: saving up for this really important goal over here, it's
Speaker 1: gonna take me like sixteen months to get there. Well,
Speaker 1: if you have a problem with frivolous purchases, it's it's
Speaker 1: actually going to help keep those in line when you
Speaker 1: know the bigger, more important thing that you're saving for.
Speaker 1: So yeah, the Money Mission Statement hopefully will be helpful
Speaker 1: to her. It's free download a pdf will link to
Speaker 1: in the show notes. Knowing, Yeah, honing in on your wife,
Speaker 1: spending some time doing a little bit of like interior looking,
Speaker 1: I think can help you figure out what matters to you.
Speaker 1: And then just in that process it almost by necessity,
Speaker 1: devalues a whole lot of other things that you did
Speaker 1: kind of uh prioritized at least to some degree. That's right, man,
Speaker 1: I love it. Can I just say to like, I
Speaker 1: think if you have a ton of crappy equivalents, maybe
Speaker 1: you don't really get what that means, because I think
Speaker 1: you have to zero in on a few things, and
Speaker 1: and you can, you can say that everything matters, but
Speaker 1: then if everything matters, then nothing really mad. And so
Speaker 1: you have to prioritize a few things, like what are
Speaker 1: the things that really really move the needle in your life.
Speaker 1: The more you can focus on those things, zero in
Speaker 1: on on those things, pour your money intentionally into those areas, Uh,
Speaker 1: it's going to move the needle, and then those other
Speaker 1: things are gonna look like, well, they don't really matter
Speaker 1: in light of that. Yeah. Yeah, A lot of times
Speaker 1: it takes a little bit of soul searching to figure
Speaker 1: out what it is you truly value. Becca asked, she said,
Speaker 1: favorite places you've traveled to and places you most want
Speaker 1: to travel to if money or life phase for instance,
Speaker 1: kids were no object. Joel, I'm just saying, probably our
Speaker 1: trip to Norway Emily and I, just the two of us,
Speaker 1: was the best trip we've ever taken. Scotland is probably
Speaker 1: the place we most want to go. You Scotland absolutely,
Speaker 1: because it combines two things I love, fantastic drink with
Speaker 1: a country that is beautiful. And we're actually kind of
Speaker 1: talking with a friend of ours actually who's over in
Speaker 1: Scotland and we're trying to find a way to make
Speaker 1: this trip happen. But yeah, I mean generally speaking, like
Speaker 1: when I think about some of the favorite trips that
Speaker 1: that Kate and I go on, it it oftentimes does
Speaker 1: include natural beauty and just amazing food or drink. Are
Speaker 1: usually a Bucky's for you, not not a Bucky's. But like,
Speaker 1: so you mentioned a road trip that that you went
Speaker 1: on with your friend like years ago. Kid and I
Speaker 1: we've only ever done this once, but we took a
Speaker 1: road trip out west and randomly kind of stopped in
Speaker 1: at some the different wineries in Napa and Sonoma, and
Speaker 1: we could not believe how much we loved it out there,
Speaker 1: because I mean, obviously you're you've got some amazing wine,
Speaker 1: you're there talking to other folks who also are into it,
Speaker 1: but then they've got these trails that you can go
Speaker 1: hiking on, and so it was just this perfect combination
Speaker 1: of enjoying the land but then enjoying the fruits of
Speaker 1: the land. I don't know that there's just something fully
Speaker 1: encompassing and where it felt like we were just fully
Speaker 1: immersed within this particular region, and I think, yeah, in
Speaker 1: a similar way, we would also get that in Scotland,
Speaker 1: and so yeah, that's definitely at the top of our
Speaker 1: list as well. So hopefully how the money tripped there
Speaker 1: soon all right? Shari says, what's one piece of non
Speaker 1: financial advice you want to instill in your kids? She's
Speaker 1: another big one. Do you have an answer for this one?
Speaker 1: I mean, just the thing I tell my kids all
Speaker 1: the time, and it's what I want them to know
Speaker 1: is that they can do hard things. I think, especially
Speaker 1: in an era of great wealth in this country where
Speaker 1: we have a lot of things at our fingertips where
Speaker 1: we can order something on Amazon and get it that
Speaker 1: day or the next day. Uh, it's easy to become soft,
Speaker 1: and the reality is, like, we need to know that
Speaker 1: we can do hard things. It is a comforting reality.
Speaker 1: And so I want to push my kids in that direction,
Speaker 1: not like make them sleep outside and the freezing cold
Speaker 1: or anything like that to develop some sort of hardness,
Speaker 1: but I want them to know they can do hard
Speaker 1: things and to tackle hard things, because I think that's
Speaker 1: where a lot of the joy in life comes from. Nice.
Speaker 1: I love it. I'm gonna take it back to a
Speaker 1: recurring theme love. Uh. Maybe when we're talking about faith
Speaker 1: earlier on, I feel like that's kind of the underpinning
Speaker 1: of so much of what I at least try to
Speaker 1: do right and what it is that I that we're
Speaker 1: trying to teach our kids. I mean, straight from the Bible.
Speaker 1: Greater love has no one than this, he who lays
Speaker 1: down his life for his friends. That's a loose translation,
Speaker 1: but again, the ability to refer back to that and
Speaker 1: find ways to put others before yourself. I think that
Speaker 1: if I had to like distill it down, boil it
Speaker 1: down to you know, what it is we're trying to
Speaker 1: teach our kids, it would be that. Uh. And again
Speaker 1: you can take that and go in whatever direction you want.
Speaker 1: You can take that and then go in the financial
Speaker 1: direction and figure out how that applies to your money.
Speaker 1: But that would be my my response there, Joel. Let's
Speaker 1: get to our last question. This is from Tori and
Speaker 1: she said, if you had to pick an all time
Speaker 1: favorite beer, what would it be? And also Joshua asked
Speaker 1: if there was only one style of beer that you
Speaker 1: could have for the rest of your life, what would
Speaker 1: it be. This is again one of those impossible questions.
Speaker 1: But do you do you have a favorite all time
Speaker 1: beer jewel? You know, not really, but I would say
Speaker 1: i'd associated with the memory. So when Emily and I
Speaker 1: were in Belgium, I just remember going to the canton
Speaker 1: and ranking and drinking from the source, and so that
Speaker 1: that's probably my favorite beer memory is those two days
Speaker 1: with her at canton. But yeah, I don't know, any
Speaker 1: raspberry sour it's probably my favorite. Like that'd be the
Speaker 1: this style that I'm really fond of. What what would
Speaker 1: I want for the rest of my life? I don't know,
Speaker 1: probably like the finest hazy I p a s in
Speaker 1: all likelihood, but I love food hours too, So I
Speaker 1: mean each beer has its own time. You know, I
Speaker 1: mean there there, I want different beers at different points
Speaker 1: in the year, and I can't even like the season
Speaker 1: right now, I know. Like so I would say an
Speaker 1: underlying theme of all of my favorite beer is oftentimes
Speaker 1: is that they're barrel aged. And so whether that's a
Speaker 1: barrel aged sour, a barrel age stouts, but anytime a
Speaker 1: brewery is able to pull that off, man aging beers
Speaker 1: on would add such an additional level of complexity of
Speaker 1: flavor that just takes it up to the next level.
Speaker 1: Would you drink a barrel aged bud light. I'd give
Speaker 1: it a shot. I totally would, because honestly, that kind
Speaker 1: of sounds like innocent gun out of the UK whatever
Speaker 1: somewhere out of Europe. I'm sure innocent gun is better
Speaker 1: than that. But those are I don't know, those are
Speaker 1: some bales or loggers or something like that that are
Speaker 1: barrel aged. But I love that taste of oak or
Speaker 1: whatever woods that they that they choose. And so I
Speaker 1: don't have a particular favorite beer or even a favorite style,
Speaker 1: but barrel age sours, barrel aged stouts, and those delicious
Speaker 1: hazy I p a s That'll be my non answer,
Speaker 1: uh to Tori in the job. But I think the
Speaker 1: best like memories associated with great things to me are
Speaker 1: what you know. It enhances the ability of the taste
Speaker 1: is one thing, but like, how much more meaningful is
Speaker 1: the glass of wine you had when you were in
Speaker 1: Sonoma versus the bottle maybe you drink when he's the
Speaker 1: one you bought at the grocery store, maybe even from
Speaker 1: the same vineyard. Right. Uh, there's something about being there, participating, partaking, um,
Speaker 1: which is why going back to Becca's question about where
Speaker 1: to travel, it's got to include somewhere with either good
Speaker 1: food or good drink and good nature. It's still important
Speaker 1: for sure. All Right, Well, um, that's enough. Yeah, that
Speaker 1: was a lot to wrap it up. Yeah, thank you
Speaker 1: guys so much for submitting those questions. Some easy ones,
Speaker 1: some hard ones, but a lot of fun to get
Speaker 1: to go over those. And maybe we'll do another one
Speaker 1: in the future if if you have more hard hitting
Speaker 1: a m A. Questions for the hat of money, guys,
Speaker 1: we'll build another year. Yeah all right, but let's get
Speaker 1: back to the beer we had on this episode, Matt.
Speaker 1: This one was called Double Top Double I p A.
Speaker 1: It was a collab between our local Body bottle shop
Speaker 1: Sprayberry Bottle Shop and Academia Brewing Company. What are your thoughts? Uh?
Speaker 1: I thought it was really solid. Man. It has been
Speaker 1: a minute since we've had a hazy I p a
Speaker 1: let alone a double here on the show, and because
Speaker 1: of my the slight cold that I have, I'm not
Speaker 1: totally sure if I was able to pick up all
Speaker 1: the nuances of flavor of the different types of pops
Speaker 1: that they used to say that. There wasn't a ton
Speaker 1: of nuance, So I don't think it's your cold, and
Speaker 1: it wasn't. It wasn't me. It was good. It's a
Speaker 1: little sweet, a little sweet for my take, but it
Speaker 1: was still. It was still I would say it slid. Yeah,
Speaker 1: solid beer. I'm glad you and I were able to
Speaker 1: enjoy this one today on the podcast, man, but that
Speaker 1: it's going to be it for this episode. We actually
Speaker 1: did refer to a couple of resources like the Money
Speaker 1: Mission statements. That will be sure to link to that
Speaker 1: and others up on our show notes on the website
Speaker 1: at how the Money dot com for sure. But until
Speaker 1: next time, Matt, best Friends Out and Best Friends Out