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Speaker 1: Welcome to Out of Money. I'm Joel and I am Matt,

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Speaker 1: and today we're talking about getting scrappy to save on

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Speaker 1: streaming with Michael Timmerman.

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Speaker 2: So, by my account, I think there are three ways

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Speaker 2: to boost your net worth right, so you can invest

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Speaker 2: more money, But then remember we are long term investors.

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Speaker 2: It takes a while for that compounding to really kick in,

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Speaker 2: so you can earn more money, which is a ton

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Speaker 2: of fun. Who doesn't like getting promoted, who doesn't like

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Speaker 2: earning a fat bonus at work? But again, this can

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Speaker 2: take years of grinding it out at the very least

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Speaker 2: months of hard work in order to stand up among

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Speaker 2: your peers. Or there are changes that you can literally

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Speaker 2: make immediately by cutting your expenses in order to save

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Speaker 2: more money. That is what we're discussing with our guest today,

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Speaker 2: Michael Timmerman and Michael he writes over at his site

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Speaker 2: Michael saves dot com. He's got a YouTube channel, he's

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Speaker 2: got over twenty five million views, and I think that's

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Speaker 2: because he's kind of like a human guinea pig where

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Speaker 2: he's working on our behalf. He's tested out products and

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Speaker 2: services to make sure that we're all getting the best

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Speaker 2: deal possible. Michael's kind of like the Tim Ferriss of

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Speaker 2: personal finance nerds. But Michael, we appreciate you coming on

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Speaker 2: the podcast with us.

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Speaker 3: Today, human guinea pig. I like that. Thanks for having me, Matt,

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Speaker 3: Thanks for having me. Joel.

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Speaker 1: I think you should add that to your bio now, Michael,

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Speaker 1: just considering.

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Speaker 3: Absolutely it goes straight the top.

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Speaker 4: Well.

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Speaker 1: And by the way, Michael and I have worked used

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Speaker 1: to work together for a lot of years, and now

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Speaker 1: Michael's gone off to do his own thing, so so

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Speaker 1: it's kind of fun to reunite here.

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Speaker 2: Michael.

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Speaker 1: The first question, as you know that we ask everybody

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Speaker 1: who comes on the show, is what's your craft beer equivalent?

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Speaker 1: Meaning what is it that you're spourging on while you're

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Speaker 1: also doing the smart thing with your money, you're saving

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Speaker 1: and investing. So what's your craft beer equivalent?

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Speaker 2: My friend?

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Speaker 4: You know, I knew this question was coming, but it's

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Speaker 4: a little hard for me because I think I have

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Speaker 4: a few craft beer equivalents. They might not be quite

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Speaker 4: as frugal as hugual. It's not the one thing, no,

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Speaker 4: I know, the one thing I'd say as my craft

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Speaker 4: beer equivalent is has to do with plane tickets, and

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Speaker 4: I've been researching a couple upcoming trips. When I'm searching

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Speaker 4: on Google flights, I can never get that cheapest fare

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Speaker 4: as much as I really want to. And I think

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Speaker 4: probably a lot of people can relate to this. So

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Speaker 4: I've got three things I'm not going to like compromise with.

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Speaker 4: I want to make sure I'm either in a window

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Speaker 4: or the aisle. I don't want to board last. And

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Speaker 4: then there's a couple just airlines that I'll try to avoid.

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Speaker 4: So those are the things. So when I'm doing this search,

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Speaker 4: I just figure I'm going to have to pay an

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Speaker 4: extra maybe like thirty dollars.

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Speaker 3: Based home what the prices.

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Speaker 1: And you live in a market where Spirit is heavy.

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Speaker 1: But I'm guessing this means.

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Speaker 2: You don't fly no Spirit, no Frontier, and I getting

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Speaker 2: those sweet deals.

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Speaker 3: That's true.

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Speaker 4: The nearest airport to me is all about the budget airlines.

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Speaker 4: Their Spirit, Frontier, Southwest, a lot of Jet Blue. I

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Speaker 4: will fly Spirit, but then that's kind of where this

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Speaker 4: kicks in. It's like length of the flight matters. If

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Speaker 4: it's five hours, I'm probably not gonna be sitting in

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Speaker 4: one of those tight Spirits.

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Speaker 2: But no Southwest our favorite.

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Speaker 4: Oh no, I mean I'll it just depends. It depends

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Speaker 4: on the flight jet Blue, I will fly a lot.

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Speaker 1: How fancy are we getting here, Michael? Are you ever

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Speaker 1: doing like live flat beds across the Atlantic kind of thing?

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Speaker 3: Absolutely?

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Speaker 4: Not so for jet Blue is a good example. I

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Speaker 4: think it's like basic. Those are the ones that I

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Speaker 4: can't do. But then when it's that, I think it's blue.

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Speaker 4: That's when I'll go for Jet Blue. I won't be

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Speaker 4: the last to board. I can bring on a bag,

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Speaker 4: I put everything in the carry on, and then I

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Speaker 4: can choose my seat.

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Speaker 3: That's it.

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Speaker 2: That makes sense. Okay, Michael, I know you and Joel,

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Speaker 2: y'all go back. You can trade war stories after we

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Speaker 2: hit hop on the recording. But I get the impression

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Speaker 2: that you've been for a long time. You are savvy

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Speaker 2: with how you handle your money. What brought that about?

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Speaker 2: When did that begin in your life?

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Speaker 3: You know?

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Speaker 4: I think it started for a lot of people who

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Speaker 4: really get into this space with their childhood. My role

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Speaker 4: model was my grandmother in particular, and she was always

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Speaker 4: the one who really had it together with money. She

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Speaker 4: was not wealthy, but she was comfortable, and it was

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Speaker 4: because of the actions that she took, so I kind

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Speaker 4: of looked up to her and like modeled myself after her.

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Speaker 4: I even during college, I lived with my grandmother and

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Speaker 4: it commuted to college to save money. But just those

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Speaker 4: couple of years where we did that, I think that's

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Speaker 4: where I learned a lot about personal finance. That's also

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Speaker 4: where I got my introduction to Clark Coward, which is

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Speaker 4: how I know Joel because I on the drive back

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Speaker 4: and forth to school, I would listen to Clark's radio show.

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Speaker 3: So it was like twenty some years ago.

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Speaker 1: So is that one two punch Grandma and Clark Coward?

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Speaker 3: Yeah, Grandma and Clark in my late scenes.

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Speaker 1: Okay, So with your grandma, I'm curious was it more osmosis?

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Speaker 1: Was it like the way she lived or was she

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Speaker 1: like offering verbal instruction too. Were you guys having discussions

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Speaker 1: about money or was it just like dang, I see,

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Speaker 1: grandma seems to have beyond to something and kind of

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Speaker 1: the way she handles money, the way she lives, the

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Speaker 1: silent type.

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Speaker 3: I guess yeah.

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Speaker 4: I mean, I don't remember having too many discussions about it.

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Speaker 4: I do remember one thing I had. One of my

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Speaker 4: first jobs, I was a waiter, at a Denny's in

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Speaker 4: a resort community, and I would come home from work

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Speaker 4: every day with a stack of dollar bill So this

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Speaker 4: is before people were leaving credit card tips, and she

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Speaker 4: would ask me to hand over my money and she

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Speaker 4: would count my tips and like if I had over

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Speaker 4: one hundred dollars, we'd like celebrate. So like that was

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Speaker 4: kind of, like, I guess, a positive reinforcement at an

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Speaker 4: early age. I don't remember a whole lot of conversations,

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Speaker 4: but I guess the way it was just the way

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Speaker 4: that she lived and the way she led, and she

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Speaker 4: was the just really solid, dependable adult in my life

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Speaker 4: and at a time when there was like other stuff

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Speaker 4: going on with some of the other other adults.

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Speaker 3: So just just a really great mentor.

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Speaker 2: Just a great role model. The ability for her to

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Speaker 2: aside from being a human teller machine like counting up

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Speaker 2: your bills. I love that that she celebrated that with you.

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Speaker 2: What a great way to kind of reinforce not only

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Speaker 2: the fact that you're making and hopefully saving, but that

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Speaker 2: you're just I don't know, doing a good job. It's

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Speaker 2: like some additional fruit of your labor that's being that

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Speaker 2: you're able to celebrate there together. Yeah, I like that,

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Speaker 2: but sorry for calling you that human guinea pig.

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Speaker 3: By the way, actually pretty accurate.

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Speaker 2: Yeah, because it seems like you have tried every financial

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Speaker 2: tool out there, like you tried wineab for a while.

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Speaker 2: It sounds like you liked it ultimately, though it seems

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Speaker 2: like you went with your own Google sheets you like.

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Speaker 2: I don't know it was it the customization of creating

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Speaker 2: your own thing, but it seems like you based it

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Speaker 2: on like the wine ap principles. Can you share about

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Speaker 2: how it is that you budget and keep up with

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Speaker 2: your spending?

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Speaker 4: Well, I think this is kind of timely because I

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Speaker 4: guess mint has just shut down and I use that

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Speaker 4: for a whole lot of years, and then I started

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Speaker 4: kind of looking at how I thought that wasn't working

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Speaker 4: so well for me, and I guess the process with

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Speaker 4: that In similar apps like it, I would just open

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Speaker 4: up the app and see a reflection.

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Speaker 3: It was like looking in the mirror, just like how

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Speaker 3: are you doing?

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Speaker 4: Whereas whine app, I think that system and the four

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Speaker 4: rules it helps you really kind of train yourself to

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Speaker 4: be more proactive I think with your money. So the

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Speaker 4: way I adapted it is I really I mean my

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Speaker 4: issue is I'm not crazy about a subscription service for

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Speaker 4: a budgeting app, and I know a lot of them

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Speaker 4: work that way for various reasons. But with the Google Sheets,

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Speaker 4: I can do the same thing. And the key for

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Speaker 4: me is really just before I buy anything, I open

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Speaker 4: up the Google Sheets app, I check my categories, see

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Speaker 4: what I've.

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Speaker 3: Got left to spend for the month, and then make

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Speaker 3: the or just log it right away.

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Speaker 4: I always have that opportunity to kind of be like, Okay,

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Speaker 4: do I really need to buy this?

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Speaker 3: Do I want to buy this? Like it's a.

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Speaker 4: Check on yourself that I don't think you necessarily get

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Speaker 4: with the tools where you're just like I guess, putting

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Speaker 4: everything on your credit card and then logging in to see,

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Speaker 4: all right, what was the damage for the month?

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Speaker 2: Sure, yeah, there's you're spending on a delay like that

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Speaker 2: is the downside of maximizing the different benefits that you

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Speaker 2: get through using credit cards, which were huge fans of.

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Speaker 2: But the ability for you to see sort of like

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Speaker 2: that timely in the moment feedback that's huge. And this

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Speaker 2: is something that you've been able to kind of work

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Speaker 2: into your general workflow, like you've got a weekly financial checklist.

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Speaker 4: I guess one of the things, having been in writing

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Speaker 4: about money since I guess it's now been twenty ten

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Speaker 4: is one of the things people say to you is like, oh,

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Speaker 4: you must be obsessed with money, and I'm not, And

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Speaker 4: I really don't spend a whole lot of money on

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Speaker 4: the budgeting, even though I'm logging those transactions with every purchase.

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Speaker 4: So all I do is I set aside a few

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Speaker 4: minutes on Fridays in the morning, I check to see

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Speaker 4: how all my account balances are. I pay my credit

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Speaker 4: cards off every week, and then I just look back

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Speaker 4: on that budget to see if there's anything that I missed.

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Speaker 4: But since I'm logging everything in real time as I spend,

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Speaker 4: I don't really usually find any difference between what I

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Speaker 4: put on the credit cards and then what's in the budget.

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Speaker 1: I like that when you have a system, you don't

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Speaker 1: have to obsess over it, right, And so that's like,

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Speaker 1: I think it's a really important takeaway there. On the

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Speaker 1: guinea pig note, you're being kind of a guinea pig

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Speaker 1: right now in a way. We talked about this right

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Speaker 1: before we started recording, that you're seeking to earn extra money,

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Speaker 1: but it also still allows you flexibility. I think gigwork

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Speaker 1: is something Matt and I have talked about that lots

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Speaker 1: of times. Especially if gigwork, if that's your main source

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Speaker 1: of income, it's probably you're just training time for money

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Speaker 1: and it's probably not the best move you're ever the

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Speaker 1: long haul. But I really actually kind of like approach

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Speaker 1: to some of the gigwork that you're doing right now. Michael,

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Speaker 1: can you talk about that well?

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Speaker 3: I agree with you.

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Speaker 4: I think a lot of the gigwork is trading time

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Speaker 4: for money. And there's a couple of things that I've

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Speaker 4: done just because I've got some things I'm saving up for.

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Speaker 4: Just like everyone listening to this, in my case, it's

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Speaker 4: something I'm not really excited about. I have to get

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Speaker 4: a new fence, So I've found all these ways to

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Speaker 4: kind of like motivate myself to save up for that,

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Speaker 4: and one of them has been with gig apps and

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Speaker 4: side apps. Rover's been the most successful for me. It's

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Speaker 4: probably going to depend on where you live. Where I live,

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Speaker 4: there's just a ton of demand for people who can

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Speaker 4: take care of pets, particularly if you have a single

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Speaker 4: family home and you can care for the pets at

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Speaker 4: your house.

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Speaker 3: So that's kind of what's worked out and based on.

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Speaker 1: Is this why you need a defence by the way,

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Speaker 1: so you can watch these animals.

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Speaker 2: It's actually an investment.

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Speaker 4: YEA. Yeah, I've got a fence, but it's falling down,

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Speaker 4: so I know that I've got to like replace replace

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Speaker 4: the fence. But I guess it kind of is an investment.

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Speaker 4: I don't really see the gig app as a forever thing,

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Speaker 4: but it's meeting a demand that is needed in the community,

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Speaker 4: and I think that's probably the best way to go

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Speaker 4: when you're looking at the gig apps is to think, well,

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Speaker 4: do I want the easiest thing for the quickest buck,

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Speaker 4: or do I want to look at something that might

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Speaker 4: have a higher return because there's more people in your

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Speaker 4: local area who need those services.

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Speaker 3: There's a ton of apps out there.

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Speaker 4: Like thumbtack and if you're able to do to provide

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Speaker 4: like you know, powerwashing or there's lots.

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Speaker 3: Of ways to make money through these apps.

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Speaker 4: And the beauty of the pet sitting apps with Rover

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Speaker 4: is that you can take in animals, take care of them,

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Speaker 4: but also be doing other stuff from your house. Like

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Speaker 4: so for me with what I do with the YouTube channel,

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Speaker 4: I can be editing a video and also caring for

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Speaker 4: a pet.

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Speaker 2: Okay, I thought you're talking about like you're one of

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Speaker 2: those guys and you've got like fifteen dogs on a leash,

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Speaker 2: but you're also like filling out on your phone like

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Speaker 2: as you're walking those that the ultimate multitask.

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Speaker 4: I'm not gonna and I did try all those those

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Speaker 4: survey apps at one point. I think when I'm down

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Speaker 4: to in terms of the kind of make money, save

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Speaker 4: money apps, at this point, I still use iboughta that's

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Speaker 4: a grocery one. I use Fetch that's also a grocery one.

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Speaker 4: And this is more of a savings not an earning one.

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Speaker 4: But have you guys ever talked in the show about

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Speaker 4: too Good to Go?

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Speaker 2: Yeah?

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Speaker 1: Oh, is that that's the meal leftover meal apps?

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Speaker 4: Right?

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Speaker 2: Go pick yourself up some crossanltics that they're getting ready to.

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Speaker 4: Talk about that app is like my favorite, and I've

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Speaker 4: I've found so many great places on there. I know

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Speaker 4: it's going to depend on where you live, but it's

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Speaker 4: like five dollars and you could have like a ton

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Speaker 4: of food.

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Speaker 2: Yeah. I mean so basically, like you're talking about the

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Speaker 2: difference here between active versus passive ways of earning money.

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Speaker 2: And so obviously these are all more active, active ways,

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Speaker 2: and it's important to kind of prioritize, and granted we

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Speaker 2: will talk. I kind of led into this whole thing

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Speaker 2: talking about ways that you can save money, because cutting

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Speaker 2: your expenses that's like the most immediate thing. But you

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Speaker 2: have highlighted some of the different ways that you can

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Speaker 2: immediately make money. But like I said, these are all

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Speaker 2: more active ways of generating income. But a passive way

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Speaker 2: that you've shown some remarkable success is via your YouTube channel.

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Speaker 2: You've done well there and like you call yourself an

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Speaker 2: unlikely success story, share with us how that channel came

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Speaker 2: about and how you're doing over there.

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Speaker 4: Well, I mean, so here's the truth of how the

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Speaker 4: channel came about. This actually ties into my full time

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Speaker 4: job that I was working. I saw an opportunity for

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Speaker 4: us to get into video when I was working for

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Speaker 4: Clark Howard. They had a channel with a ton of videos,

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Speaker 4: but I saw a different way to do it. But

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Speaker 4: I kind of wanted to test it out because I

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Speaker 4: wasn't really sure that my managers were all that into

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Speaker 4: the idea. So I just started putting up random videos.

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Speaker 4: Some of my oldest videos were just about weight, just

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Speaker 4: what we've talked about, like some of these apps and

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Speaker 4: ways to save money.

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Speaker 3: I talked about how I paid off my mortgage.

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Speaker 4: On one of the earlier properties that I lived in,

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Speaker 4: and things just kind of took off. And I also

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Speaker 4: had some of that content that I do now, which

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Speaker 4: is the testing of the streaming phone plans internet services.

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Speaker 4: So it was really I've just an experiment for work.

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Speaker 4: I never expected some of those videos to take off.

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Speaker 4: I think the mortgage video has four hundred and fifty

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Speaker 4: thousand views, So that's an example of a I sat

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Speaker 4: down on the couch and I talked for ten minutes,

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Speaker 4: and five years later people still watch that.

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Speaker 1: Yeah that's super cool. Yeah it's amazing. So it is

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Speaker 1: active in one sense because you kind of still need

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Speaker 1: to continue to create content in order to keep new

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Speaker 1: viewers coming in. But then some of the videos you

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Speaker 1: made a long time ago still have a lot of juice,

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Speaker 1: which is really cool. Do you have any tips for

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Speaker 1: someone out there who maybe has like a burning desire

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Speaker 1: to share their knowledge and they think they've seen what

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Speaker 1: mister Beast is able to accomplish, and maybe also you've

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Speaker 1: been able to accomplish. Michael and they're like, I could

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Speaker 1: see myself doing something like that. Do you have any

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Speaker 1: kind of tips of the trade or kind of hey,

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Speaker 1: here's how you start to begin a YouTube channel and

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Speaker 1: you're not just yelling into the void.

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Speaker 4: Sure, I mean I think what you said is where

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Speaker 4: I would start share your knowledge. It's much easier to

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Speaker 4: share your knowledge than it is to share your life.

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Speaker 4: So that would kind of be the difference between a

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Speaker 4: channel that has more of an informational and educational view

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Speaker 4: as opposed to one that is a look at me

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Speaker 4: type of channel. So if you think about problems that

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Speaker 4: people are going through, and you have the solutions.

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Speaker 3: So I'll give you an example.

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Speaker 4: I had someone came over a few months ago and

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Speaker 4: helped me install a couple ceiling fans, and he had

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Speaker 4: never dealt with this brand before. So then I went

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Speaker 4: on YouTube and I searched and I was like, wow,

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Speaker 4: there's like no video about this. But if you look

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Speaker 4: up some of the other brands like Hunter, let's say,

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Speaker 4: there's like millions of views of people just filming themselves

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Speaker 4: swapping out a ceiling fan. So this guy, like a

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Speaker 4: big part of his business is installing ceiling fans. He

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Speaker 4: could just record himself at a client's house doing it,

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Speaker 4: go home and voice over all the steps and then

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Speaker 4: that's a way to like help someone out. But also

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Speaker 4: that would be like a turn into a semi passive

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Speaker 4: additional income for them. Yeah, it's not super exciting, but

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Speaker 4: it could. Really it would help people, and it would

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Speaker 4: it's in that person's wheelhouse.

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Speaker 2: Yeah, well, I mean you say it's not super exciting,

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Speaker 2: but like I think for a lot of people, I

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Speaker 2: think what you said about knowledge versus life, right, the

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Speaker 2: ability to share either a passion or some information that

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Speaker 2: you have as opposed to feeling like you have to

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Speaker 2: bear all tell all fabricate drama. I think there's a

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Speaker 2: lot of folks who might actually find that incredibly interesting

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Speaker 2: because it seems like it's doable. There's something about I

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Speaker 2: don't know, it feels more honest, perhaps even to me,

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Speaker 2: than like trying to figure out whatever like the next

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Speaker 2: YouTube algorithm is going to be. Because there's actual value

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Speaker 2: that you are you are able to portray, and so

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Speaker 2: the ability to say cool, this is a this is

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Speaker 2: a clear way that I can provide value out into

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Speaker 2: the world, out into YouTube, to be able to help

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Speaker 2: people while at the same time hopefully generating some additional income.

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Speaker 1: But I also like kind of how you said you

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Speaker 1: look to see, oh wait, there's a nobody's covering this yet,

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Speaker 1: and we can be the first. We can be the

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Speaker 1: pioneer here. And if you're the pioneer on that video,

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Speaker 1: that you have more of a chance to stand out right,

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Speaker 1: Whereas if you're kind of saying the stuff that everyone

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Speaker 1: else is saying, like you got to kind of find

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Speaker 1: that niche too. What is it that I know about

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Speaker 1: that very few people are publishing on And I think

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Speaker 1: that's a good place to start creating content, and I

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Speaker 1: think you can broaden from there.

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Speaker 4: The way that I've heard a lot of YouTube gurus

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Speaker 4: boil it down is it's the audience, and I do

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Speaker 4: agree with that. I think usually when I put the

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Speaker 4: most effort into the videos and they're based on things

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Speaker 4: that I know people have either reached out to me

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Speaker 4: or I've done the research and I find they're interested

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Speaker 4: in those are the ones that do the best short

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Speaker 4: term and over the long haul. So there is a

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Speaker 4: research component to figuring out what people care about, because

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Speaker 4: maybe what you care about is not something that a

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Speaker 4: ton of people care about.

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Speaker 3: But I do think that's a place to.

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Speaker 4: Start, is your your own interests. And back to what

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Speaker 4: you said about being original, maybe you're doing okay content,

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Speaker 4: but it's been done by too many people in too

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Speaker 4: many different ways.

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Speaker 2: That makes sense. Okay, So, Michael, I don't know if

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Speaker 2: how you feel about sharing this, but like, how much

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Speaker 2: of the revenue that you're able to generate from YouTube?

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Speaker 2: What percentage of your expenses would you say that that covers?

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Speaker 2: And the reason that I'm asking this specifically is because

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Speaker 2: I think this is so interesting, because I think it

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Speaker 2: can provide an insight to folks who might be considering

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Speaker 2: something like this to see, oh cool, this actually does

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Speaker 2: have the ability to cover a percentage of my expenses

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Speaker 2: of my day to day living. Do you mind sharing that?

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Speaker 3: Sure?

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Speaker 4: Well. YouTubers can make money through various income sources. The

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Speaker 4: one people talk the most about is probably ad sense,

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Speaker 4: which is just the ads that.

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Speaker 3: Run on your video.

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Speaker 4: You turn them on and then you don't do anything

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Speaker 4: else except collect the check. That can vary. It can

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Speaker 4: go up and can go down depending on the months.

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Speaker 4: For a channel my size, that can be pretty healthy.

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Speaker 4: I'll use my second I have a second channel as

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Speaker 4: an example. It's much smaller that has about three thousand

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Speaker 4: subscribers and I want to say sixty thousand views a month.

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Speaker 4: So it just really is where I put a bunch

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Speaker 4: of secondary content that doesn't really fit on the main

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Speaker 4: Michael Saves channel that regularly gets about five hundred dollars

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Speaker 4: a month in just that ad sense income. So for

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Speaker 4: just throwing a few videos up on a channel of

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Speaker 4: things that interest people that can that's the return, but

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Speaker 4: the the main channel is significantly more than that.

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Speaker 1: And YouTube, of course is the second largest search engine

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Speaker 1: in the world, next to Google. So it's one of

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Speaker 1: those places where if you are on there creating helpful

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Speaker 1: content consistently over time, you can't and you know, don't

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Speaker 1: quit your day job yet, but maybe at some point

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Speaker 1: you can quit your day job if you've done it

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Speaker 1: consistently over long enough period of time, been able to

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Speaker 1: build an audience, and you're providing helpful information on the

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Speaker 1: rig like you are, Michael with both of your channels,

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Speaker 1: but okay, speaking of both of your channels, like you

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Speaker 1: do so much. You create so much content specifically about

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Speaker 1: streaming and how to cut costs in that area, and

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Speaker 1: especially as subscription that you know, the monthly subscription amounts

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Speaker 1: continue to increase for people, and there's just a proliferation

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Speaker 1: of subscription options in general. We've got a lot of

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00:20:48,960 --> 00:20:51,040
Speaker 1: questions to get to with you on that, so we'll

442
00:20:51,080 --> 00:20:53,320
Speaker 1: be right back with Michael Saves right after this.

443
00:21:01,680 --> 00:21:04,360
Speaker 2: Right we are back from the break talking with Michael

444
00:21:04,520 --> 00:21:08,359
Speaker 2: from Michael Saves. And I guess it's zooming out a

445
00:21:08,359 --> 00:21:11,159
Speaker 2: little bit the savings that we used to experience, Michael, Like,

446
00:21:11,160 --> 00:21:12,760
Speaker 2: when it came to cutting the cord, it used to

447
00:21:12,800 --> 00:21:15,000
Speaker 2: be significant, Like it used to be, like it was

448
00:21:15,000 --> 00:21:17,440
Speaker 2: a no brainer. Like I've never paid for cable TV

449
00:21:17,760 --> 00:21:19,200
Speaker 2: in my entire life, except for when I was in

450
00:21:19,200 --> 00:21:22,119
Speaker 2: college because my roommates insisted. But like, ever since I

451
00:21:22,160 --> 00:21:25,560
Speaker 2: was in charge of my TV options, I've never paid

452
00:21:25,560 --> 00:21:28,520
Speaker 2: because it made so much sense to eliminate cable. But

453
00:21:28,520 --> 00:21:31,960
Speaker 2: it seems like that the tides have turned, given the

454
00:21:32,040 --> 00:21:33,840
Speaker 2: increasing prices.

455
00:21:33,520 --> 00:21:35,960
Speaker 1: Because what Netflix is, what twenty two bucks a month?

456
00:21:36,000 --> 00:21:37,320
Speaker 1: Now if you want the top tier.

457
00:21:37,160 --> 00:21:39,399
Speaker 2: It's so stinking extensive now. But I guess I'm curious

458
00:21:39,400 --> 00:21:43,160
Speaker 2: to hear if you think it's a slam dunk decision anymore.

459
00:21:43,840 --> 00:21:46,280
Speaker 2: How are you approaching that question with folks?

460
00:21:46,480 --> 00:21:49,880
Speaker 4: Well, I think you're right, it's definitely not the type

461
00:21:49,920 --> 00:21:53,280
Speaker 4: of savings that it was five years ago. But I

462
00:21:53,320 --> 00:21:56,360
Speaker 4: do think that cutting the cord is still the way

463
00:21:56,359 --> 00:21:59,280
Speaker 4: to go. I don't hear from people who are going

464
00:21:59,400 --> 00:22:03,520
Speaker 4: back to a cable or a satellite TV subscription. It's

465
00:22:03,640 --> 00:22:06,600
Speaker 4: just changed, and that's a lot due to the way

466
00:22:06,640 --> 00:22:09,000
Speaker 4: that there's just so many services and people are having

467
00:22:09,040 --> 00:22:12,159
Speaker 4: to pick and choose, and the shows they want.

468
00:22:12,040 --> 00:22:13,800
Speaker 3: To watch are so spread out.

469
00:22:13,880 --> 00:22:17,000
Speaker 4: But in addition, it's a lot due to the sports

470
00:22:17,040 --> 00:22:20,320
Speaker 4: being so spread out amongst multiple services. So now you

471
00:22:20,359 --> 00:22:23,000
Speaker 4: have to kind of create your own bundle as opposed

472
00:22:23,000 --> 00:22:27,720
Speaker 4: to with a cable PATV provider, they're just delivering this

473
00:22:27,880 --> 00:22:29,199
Speaker 4: one option for you.

474
00:22:29,400 --> 00:22:32,480
Speaker 1: Sure, so even if you cut the cord, basically, I

475
00:22:32,520 --> 00:22:34,960
Speaker 1: think what you're saying is there are live equivalents to

476
00:22:35,040 --> 00:22:36,920
Speaker 1: cable that are a whole lot less expensive.

477
00:22:36,960 --> 00:22:37,360
Speaker 2: Is that right?

478
00:22:38,160 --> 00:22:38,840
Speaker 3: A whole lot?

479
00:22:38,960 --> 00:22:42,240
Speaker 4: I don't know, I mean slightly. Is where it really

480
00:22:42,320 --> 00:22:44,359
Speaker 4: depends on what you're looking for. If you're looking for

481
00:22:44,400 --> 00:22:49,520
Speaker 4: a full replacement for what a PATV provider like an

482
00:22:49,520 --> 00:22:53,840
Speaker 4: Exfinity or DirecTV offers, it's not going to be a

483
00:22:53,920 --> 00:22:57,720
Speaker 4: huge savings because those live TV services are making deals

484
00:22:57,720 --> 00:23:01,760
Speaker 4: with the exact same companies that the other PATV operators are.

485
00:23:02,080 --> 00:23:05,160
Speaker 4: There are some much skinnier ones. A couple of years

486
00:23:05,160 --> 00:23:10,080
Speaker 4: ago I interviewed the founder of the CEO of Filo

487
00:23:10,680 --> 00:23:13,080
Speaker 4: and he was actually one of the Facebook co founders

488
00:23:13,119 --> 00:23:16,320
Speaker 4: as well, and his service is twenty five dollars a month.

489
00:23:16,400 --> 00:23:18,800
Speaker 4: But you don't get locals, you don't get sports, and

490
00:23:18,840 --> 00:23:20,639
Speaker 4: you don't get a whole lot of news.

491
00:23:20,880 --> 00:23:23,600
Speaker 3: It's really just the entertainment networks.

492
00:23:23,800 --> 00:23:26,639
Speaker 2: Like, do you have a general philosophy of how you

493
00:23:26,680 --> 00:23:29,440
Speaker 2: think about streaming, whether like in your own life or

494
00:23:29,520 --> 00:23:32,600
Speaker 2: just when you talk about streaming content like generally speaking?

495
00:23:32,800 --> 00:23:34,119
Speaker 2: And what I mean by that, like, do you have

496
00:23:34,840 --> 00:23:37,399
Speaker 2: like a few different platforms or subscriptions that you always

497
00:23:37,440 --> 00:23:40,280
Speaker 2: have that you always pay for, or are you being

498
00:23:40,280 --> 00:23:44,640
Speaker 2: more strategic, like are you targeting platforms for specific shows

499
00:23:44,840 --> 00:23:47,919
Speaker 2: or certain sports or whatever it is. I'm curious how

500
00:23:47,920 --> 00:23:48,840
Speaker 2: it is that you approach it.

501
00:23:49,320 --> 00:23:51,919
Speaker 4: Yeah, So what I generally do is I have one

502
00:23:51,960 --> 00:23:55,760
Speaker 4: of those more expensive live TV services for about half

503
00:23:55,800 --> 00:23:57,560
Speaker 4: the year, and that's coming up.

504
00:23:58,080 --> 00:23:59,119
Speaker 3: I've already paused it.

505
00:23:59,200 --> 00:24:03,800
Speaker 4: So the next billing cycle that goes off, that's seventy

506
00:24:03,800 --> 00:24:06,840
Speaker 4: five dollars a month right now, so that I won't

507
00:24:06,840 --> 00:24:11,160
Speaker 4: pay for until September. And that's mostly because of Live TV,

508
00:24:11,280 --> 00:24:13,919
Speaker 4: so a mix of sports and news that I like

509
00:24:14,000 --> 00:24:17,240
Speaker 4: to watch on that service. So now I'm entering a

510
00:24:17,280 --> 00:24:20,360
Speaker 4: period where I feel like I have more options, So

511
00:24:20,440 --> 00:24:22,919
Speaker 4: I'll go into some of the cheaper services that I

512
00:24:23,000 --> 00:24:26,120
Speaker 4: haven't had throughout the year. Netflix is one of them.

513
00:24:26,160 --> 00:24:29,119
Speaker 4: You just mentioned that I haven't had Netflix in six months,

514
00:24:29,320 --> 00:24:32,280
Speaker 4: so I'll turn that back on, check out what's been

515
00:24:32,320 --> 00:24:34,919
Speaker 4: on there since I last had it, and then and

516
00:24:34,960 --> 00:24:35,560
Speaker 4: then pause it.

517
00:24:35,640 --> 00:24:37,840
Speaker 3: So I do. I do rotate the subscriptions.

518
00:24:38,200 --> 00:24:41,000
Speaker 4: That's part of the benefit of cutting the cord, but

519
00:24:41,119 --> 00:24:42,800
Speaker 4: I also know that doesn't.

520
00:24:42,680 --> 00:24:43,960
Speaker 3: Really work for everybody.

521
00:24:44,840 --> 00:24:46,960
Speaker 4: If there's someone in your house who wants to watch

522
00:24:47,000 --> 00:24:49,720
Speaker 4: a show and you cancel it, you're going to be

523
00:24:49,760 --> 00:24:52,760
Speaker 4: hearing from that person like they're not going to be

524
00:24:52,840 --> 00:24:53,320
Speaker 4: happy with it.

525
00:24:53,560 --> 00:24:55,240
Speaker 1: Part of the benefit of the new model is that

526
00:24:55,280 --> 00:24:57,320
Speaker 1: we can take that rotational approach that there are no

527
00:24:57,840 --> 00:24:59,960
Speaker 1: year long, two year long, multi year sort of conqu

528
00:25:00,600 --> 00:25:04,040
Speaker 1: that are forcing us to pay somebody year after year

529
00:25:04,040 --> 00:25:05,840
Speaker 1: even if we're not getting the same value out of it.

530
00:25:06,160 --> 00:25:08,119
Speaker 1: But we're still treating I think or a lot of

531
00:25:08,160 --> 00:25:12,680
Speaker 1: Americans are still treating their streaming service like they're handcuffed too.

532
00:25:12,600 --> 00:25:15,320
Speaker 4: And I think that's what that's why when I hear

533
00:25:15,359 --> 00:25:18,680
Speaker 4: people have this debate about like, oh, it's worse than cable, now,

534
00:25:19,560 --> 00:25:23,240
Speaker 4: nobody is thinking like, oh, I want a cable guy

535
00:25:23,480 --> 00:25:25,680
Speaker 4: to come over to my house and spend half the

536
00:25:25,760 --> 00:25:28,560
Speaker 4: day to install it, or the same for a satellite.

537
00:25:28,640 --> 00:25:31,960
Speaker 4: So the technology was always going to change because of

538
00:25:32,000 --> 00:25:34,879
Speaker 4: the Internet. Now what we're working through is just this

539
00:25:35,000 --> 00:25:39,040
Speaker 4: period where the prices are going up, and that's because

540
00:25:39,160 --> 00:25:42,440
Speaker 4: the streaming services, some of them, are fighting for profitability,

541
00:25:42,880 --> 00:25:45,840
Speaker 4: and then also there's content changes that they're making as

542
00:25:45,880 --> 00:25:46,680
Speaker 4: a result of.

543
00:25:46,560 --> 00:25:48,040
Speaker 3: That same issue.

544
00:25:48,080 --> 00:25:51,320
Speaker 4: They're just not making the same amount of profits as

545
00:25:51,520 --> 00:25:57,119
Speaker 4: a PATV bundle, which for decades was extremely profitable for

546
00:25:57,480 --> 00:25:58,800
Speaker 4: the major media companies.

547
00:25:58,920 --> 00:26:00,720
Speaker 1: So I would think the people that save the most

548
00:26:00,720 --> 00:26:04,520
Speaker 1: money in the streaming world or people who just don't

549
00:26:04,520 --> 00:26:06,440
Speaker 1: watch a lot of stuff, and also people who don't

550
00:26:06,440 --> 00:26:09,040
Speaker 1: care about sports at all. But if you like sports,

551
00:26:10,160 --> 00:26:13,159
Speaker 1: especially now, I feel like it's getting harder and harder

552
00:26:13,200 --> 00:26:17,359
Speaker 1: almost by the month too, because now Apple TV has

553
00:26:18,000 --> 00:26:21,040
Speaker 1: or Apple TV plus whatever it's called, has the MLS

554
00:26:21,080 --> 00:26:24,720
Speaker 1: soccer Peacock I believe has the European soccer leagues.

555
00:26:24,760 --> 00:26:24,920
Speaker 2: Right.

556
00:26:24,920 --> 00:26:27,880
Speaker 1: It used to be that, Okay, at least you subscribe

557
00:26:27,880 --> 00:26:29,720
Speaker 1: to this one thing and you get all the sports.

558
00:26:29,960 --> 00:26:31,639
Speaker 1: But that doesn't even seem to be the case anymore.

559
00:26:31,680 --> 00:26:34,280
Speaker 1: So what would you tell sports lovers when it comes

560
00:26:34,359 --> 00:26:38,800
Speaker 1: to streaming about kind of what services to have and

561
00:26:38,840 --> 00:26:40,800
Speaker 1: then how to make sure that they're not spending like

562
00:26:40,840 --> 00:26:42,960
Speaker 1: a ridiculous sum of money to watch the sports they love.

563
00:26:43,040 --> 00:26:47,040
Speaker 4: Sure well, the sports consumers, the ones who are especially

564
00:26:47,080 --> 00:26:49,640
Speaker 4: into multiple types of sports, are always going.

565
00:26:49,560 --> 00:26:50,359
Speaker 3: To be paying the most.

566
00:26:50,440 --> 00:26:53,439
Speaker 4: Because what most people don't really understand is with that

567
00:26:53,560 --> 00:26:57,600
Speaker 4: old PATV model, the price of that was the price

568
00:26:57,640 --> 00:26:59,800
Speaker 4: that it was because of sports, and it would have

569
00:26:59,840 --> 00:27:03,040
Speaker 4: been even higher if people had the option to opt

570
00:27:03,040 --> 00:27:03,840
Speaker 4: out of sports.

571
00:27:03,960 --> 00:27:05,400
Speaker 3: So in a way, the sports.

572
00:27:05,080 --> 00:27:09,040
Speaker 4: Programming has always been subsidized by people who don't watch

573
00:27:09,040 --> 00:27:11,160
Speaker 4: a whole lot of sports. It's not what people want

574
00:27:11,200 --> 00:27:12,640
Speaker 4: to hear, but that's that's the.

575
00:27:12,600 --> 00:27:13,040
Speaker 2: Truth of it.

576
00:27:13,080 --> 00:27:17,000
Speaker 1: Because like ESPN wouldst would cost the cable companies ten

577
00:27:17,040 --> 00:27:19,239
Speaker 1: bucks a month, Yeah, just that one channel and then

578
00:27:19,240 --> 00:27:21,200
Speaker 1: all these other channels you might pay, They might pay

579
00:27:21,240 --> 00:27:23,159
Speaker 1: them thirty three cents a month or something like that. Nothing,

580
00:27:23,200 --> 00:27:25,360
Speaker 1: So ESPN is, yeah, it was the big behemoth in.

581
00:27:25,320 --> 00:27:27,240
Speaker 3: There, and and there's changes with that too.

582
00:27:27,400 --> 00:27:30,639
Speaker 4: So later this year there is going to be a

583
00:27:30,640 --> 00:27:33,879
Speaker 4: service that's going to include ESPN as well as a

584
00:27:33,880 --> 00:27:38,400
Speaker 4: bunch of other sports networks. The estimated price, nothing officially yet,

585
00:27:38,520 --> 00:27:41,280
Speaker 4: is forty to fifty dollars a month. And then in

586
00:27:41,320 --> 00:27:44,600
Speaker 4: twenty twenty five there's going to be a standalone ESPN

587
00:27:44,920 --> 00:27:47,360
Speaker 4: and that price is reportedly going to be twenty five

588
00:27:47,400 --> 00:27:50,520
Speaker 4: to thirty dollars a month for ESPN and then all

589
00:27:50,560 --> 00:27:54,040
Speaker 4: the other ESPN family of networks. So that kind of

590
00:27:54,080 --> 00:27:58,159
Speaker 4: just when you put thirty dollars against your total cable

591
00:27:58,200 --> 00:28:01,320
Speaker 4: TV bill or pay TV bill, you kind of see

592
00:28:01,359 --> 00:28:03,440
Speaker 4: like where all the money is going. It's going to

593
00:28:03,520 --> 00:28:08,520
Speaker 4: sports the easiest. The people who have the easiest time

594
00:28:09,119 --> 00:28:12,440
Speaker 4: are probably still NFL fans, and that's because in your

595
00:28:12,480 --> 00:28:15,439
Speaker 4: local market, it's always going to be on a broadcast

596
00:28:15,440 --> 00:28:19,400
Speaker 4: TV station. Now Amazon's got rights to Thursday Night Football.

597
00:28:20,200 --> 00:28:22,520
Speaker 4: Last year, there was a playoff game. Last season, there

598
00:28:22,600 --> 00:28:25,080
Speaker 4: was a playoff game on Peacock. The next season, there's

599
00:28:25,119 --> 00:28:27,119
Speaker 4: going to be a playoff game on Amazon Prime. So

600
00:28:27,160 --> 00:28:30,640
Speaker 4: there is still some extra cost there for people who

601
00:28:30,680 --> 00:28:33,920
Speaker 4: want to watch a lot of games, especially from teams

602
00:28:33,960 --> 00:28:36,720
Speaker 4: outside of your market. But if you only care about

603
00:28:36,800 --> 00:28:39,000
Speaker 4: the team for the city that you live in, the

604
00:28:39,160 --> 00:28:43,360
Speaker 4: NFL is still reasonable because you just need your local channels.

605
00:28:43,400 --> 00:28:45,960
Speaker 4: Many people can get those, of course, with an antenna.

606
00:28:46,240 --> 00:28:47,800
Speaker 2: That's what I was going to say, that's all over

607
00:28:47,840 --> 00:28:48,160
Speaker 2: the air.

608
00:28:48,680 --> 00:28:50,800
Speaker 1: I think people forget about the antenna and they forget

609
00:28:50,840 --> 00:28:53,400
Speaker 1: about all the channels they provide. I swear with my antenna,

610
00:28:53,400 --> 00:28:55,360
Speaker 1: I log in, and I'm shocked at the number of

611
00:28:55,400 --> 00:28:58,040
Speaker 1: channels I get. I assume that a good many of

612
00:28:58,080 --> 00:29:00,800
Speaker 1: them are just kind of garbage channels, but there's never

613
00:29:00,840 --> 00:29:02,840
Speaker 1: been more free content that you can get over the air.

614
00:29:02,920 --> 00:29:05,400
Speaker 4: Sure, and I agree with that. And when I paused

615
00:29:05,440 --> 00:29:07,680
Speaker 4: the subscription, the first thing I did after I paused

616
00:29:07,680 --> 00:29:10,280
Speaker 4: it is I put my antenna back up. I've just

617
00:29:10,320 --> 00:29:12,920
Speaker 4: got one of those indoor antennas, and just like you said,

618
00:29:12,960 --> 00:29:15,800
Speaker 4: it's got like one hundred channels because it's all the locals.

619
00:29:15,880 --> 00:29:16,800
Speaker 3: And then they have.

620
00:29:16,840 --> 00:29:20,480
Speaker 4: These digital subchannels with a lot of content that I

621
00:29:20,520 --> 00:29:23,800
Speaker 4: think you also see on similar services like the free

622
00:29:23,840 --> 00:29:27,040
Speaker 4: stream meet services Pluto, and Roku channel and two B.

623
00:29:27,800 --> 00:29:29,440
Speaker 4: There's a lot of overlap there.

624
00:29:29,880 --> 00:29:32,920
Speaker 2: But the Yeah, the Sodi's Crackle that's another one.

625
00:29:32,960 --> 00:29:34,480
Speaker 3: I feel Crackle's good too.

626
00:29:34,600 --> 00:29:37,360
Speaker 4: Yeah, and I read recently that antenna use is actually

627
00:29:37,360 --> 00:29:38,800
Speaker 4: on the way on the way up.

628
00:29:39,280 --> 00:29:41,320
Speaker 3: It's now like one in five households.

629
00:29:41,760 --> 00:29:44,920
Speaker 4: And hey, maybe if the prices go up more people

630
00:29:44,960 --> 00:29:45,760
Speaker 4: will give it a shot.

631
00:29:46,280 --> 00:29:49,320
Speaker 2: Exactly. It makes sense when you see how affordable these

632
00:29:49,320 --> 00:29:51,680
Speaker 2: intendas are, Like you're spending twenty thirty dollars for like

633
00:29:51,680 --> 00:29:53,920
Speaker 2: the extra long range one. You get it positioned in

634
00:29:53,960 --> 00:29:56,479
Speaker 2: a window, tape it up there or whatever. Like at

635
00:29:56,520 --> 00:29:58,600
Speaker 2: our old house, we literally like thumb tacked it to

636
00:29:58,680 --> 00:30:01,920
Speaker 2: the wall high the TV so you literally couldn't even

637
00:30:01,960 --> 00:30:03,720
Speaker 2: see it and it just blended in with a dark wall.

638
00:30:03,840 --> 00:30:06,120
Speaker 2: They make them like flat. I mean, it's just like

639
00:30:06,240 --> 00:30:08,320
Speaker 2: it's like a sheet of notebook paper with a cord

640
00:30:08,360 --> 00:30:10,280
Speaker 2: attached to it. But you, like, we're talking about some

641
00:30:10,280 --> 00:30:13,640
Speaker 2: of the different free content that you can get out there, Michael, Like,

642
00:30:13,640 --> 00:30:16,600
Speaker 2: what do you think about like some of those different

643
00:30:16,640 --> 00:30:19,000
Speaker 2: free apps, whether it be to b or Crackle or

644
00:30:19,520 --> 00:30:22,640
Speaker 2: whatever else. Actually we haven't even talked about this, but Hoopla,

645
00:30:22,680 --> 00:30:24,800
Speaker 2: which I normally use for audio books. I saw that,

646
00:30:25,440 --> 00:30:27,360
Speaker 2: I don't know, there's video on there that you can

647
00:30:27,400 --> 00:30:28,320
Speaker 2: now reserve.

648
00:30:28,040 --> 00:30:30,560
Speaker 3: As well, but it canopy as well. Right, Yeah, that's

649
00:30:30,560 --> 00:30:32,440
Speaker 3: a whole other who's got your library card?

650
00:30:32,480 --> 00:30:34,280
Speaker 2: Yeah, it's a whole other thing. But I'm curious what

651
00:30:34,320 --> 00:30:36,600
Speaker 2: your thoughts are, like, is it worth the hassle or

652
00:30:36,640 --> 00:30:39,160
Speaker 2: the time to go looking for some of that free

653
00:30:39,200 --> 00:30:40,960
Speaker 2: content via some of those free apps.

654
00:30:41,280 --> 00:30:43,720
Speaker 4: Sure, it's worth the time, especially if you don't want

655
00:30:43,720 --> 00:30:45,440
Speaker 4: to pay, and there's a lot of people who don't

656
00:30:45,440 --> 00:30:48,840
Speaker 4: want to pay. Those apps have a ton of content,

657
00:30:48,960 --> 00:30:53,080
Speaker 4: and it's in that traditional TV feel like there are

658
00:30:53,160 --> 00:30:56,760
Speaker 4: some people who open up a pay service like Netflix

659
00:30:57,040 --> 00:30:59,920
Speaker 4: and they get totally overwhelmed with the options and they

660
00:31:00,040 --> 00:31:02,920
Speaker 4: end up watching nothing. So you can open up Pluto

661
00:31:03,080 --> 00:31:06,320
Speaker 4: and it has a guide that looks just like your

662
00:31:06,360 --> 00:31:09,120
Speaker 4: old cable guide and it'll serve you a bunch of

663
00:31:09,160 --> 00:31:13,640
Speaker 4: stuff for all the interests. I think that they typically

664
00:31:13,640 --> 00:31:17,200
Speaker 4: do the best job of replacing the type of content

665
00:31:17,360 --> 00:31:21,840
Speaker 4: that airs during the daytime on regular broadcast TV networks.

666
00:31:22,280 --> 00:31:27,200
Speaker 4: So there's like there's news shows, there's court shows, talk shows,

667
00:31:27,840 --> 00:31:32,240
Speaker 4: crime shows. That's where I see those free services but

668
00:31:32,360 --> 00:31:35,280
Speaker 4: also movies. There's if you just want to open up

669
00:31:35,360 --> 00:31:37,560
Speaker 4: one of the free services to be has a pretty

670
00:31:37,560 --> 00:31:39,880
Speaker 4: good movie selection, you can find something to watch.

671
00:31:40,440 --> 00:31:42,719
Speaker 3: You just are gonna have ads to break it up,

672
00:31:42,840 --> 00:31:43,080
Speaker 3: all right.

673
00:31:43,120 --> 00:31:47,960
Speaker 1: You mentioned the overwhelmed opening Netflix. I think a lot

674
00:31:48,000 --> 00:31:51,560
Speaker 1: of people feel that, and it is your there's a

675
00:31:51,600 --> 00:31:55,440
Speaker 1: deluge of content. Specifically, I think Netflix has or at

676
00:31:55,520 --> 00:32:01,160
Speaker 1: least used to prioritize the amount of offerings over the quality.

677
00:32:01,200 --> 00:32:02,880
Speaker 1: And it's not that they didn't have some quality stuff,

678
00:32:03,160 --> 00:32:06,880
Speaker 1: but there's just a ridiculous amount of content to sort through.

679
00:32:07,280 --> 00:32:10,760
Speaker 1: And the recommending algorithm is okay. But do you have

680
00:32:10,840 --> 00:32:13,600
Speaker 1: any tips to help people find the kind of content

681
00:32:13,640 --> 00:32:15,760
Speaker 1: that they're going to enjoy watching, because I think now

682
00:32:15,800 --> 00:32:18,720
Speaker 1: the average person opens up the app, and I swear

683
00:32:18,760 --> 00:32:21,080
Speaker 1: I saw this stat somewhere, they spend somewhere between eighteen

684
00:32:21,120 --> 00:32:24,120
Speaker 1: to twenty minutes trying to figure out what to watch,

685
00:32:24,160 --> 00:32:27,000
Speaker 1: to click it around before they even start watching a show.

686
00:32:27,440 --> 00:32:29,600
Speaker 1: And I know that are new, like even AI kind

687
00:32:29,640 --> 00:32:32,960
Speaker 1: of apps out there that can help you figure out

688
00:32:33,080 --> 00:32:35,400
Speaker 1: what makes sense for you based on your viewing history

689
00:32:35,400 --> 00:32:37,200
Speaker 1: and the thumbs ups and stuff like that. But do

690
00:32:37,200 --> 00:32:39,080
Speaker 1: you have any recommendations for people. Any of those apps

691
00:32:39,120 --> 00:32:40,320
Speaker 1: you found most helpful.

692
00:32:40,280 --> 00:32:42,240
Speaker 3: Well, I mean my approach is very simple.

693
00:32:42,320 --> 00:32:46,560
Speaker 4: I use the watchless features within the apps, but also

694
00:32:47,080 --> 00:32:50,480
Speaker 4: I'm mostly a Roku guy, and they have a way

695
00:32:50,520 --> 00:32:54,480
Speaker 4: to create a watch list across multiple apps. So you

696
00:32:54,520 --> 00:32:57,200
Speaker 4: go into your save list and then you just pop

697
00:32:57,280 --> 00:32:59,120
Speaker 4: up whatever you haven't.

698
00:32:58,880 --> 00:32:59,680
Speaker 3: Checked out lately.

699
00:33:00,160 --> 00:33:02,200
Speaker 4: And then I'm sure you guys can relate to just

700
00:33:02,240 --> 00:33:04,960
Speaker 4: people in your life recommending shows to you that you've

701
00:33:05,080 --> 00:33:08,160
Speaker 4: never heard of. So instead of just being like, I'll

702
00:33:08,200 --> 00:33:10,280
Speaker 4: just put them in my notes app on the phone, Yes,

703
00:33:10,360 --> 00:33:13,080
Speaker 4: so've I mean, I've got plenty of stuff that and

704
00:33:13,120 --> 00:33:16,440
Speaker 4: when it's time to, you know, check out that service,

705
00:33:16,440 --> 00:33:18,600
Speaker 4: whether it's a free, year, paid service, whatever it's on,

706
00:33:19,000 --> 00:33:20,960
Speaker 4: then I'll already know what I want to watch because

707
00:33:21,000 --> 00:33:23,040
Speaker 4: I'll have something to talk with my friends about.

708
00:33:23,200 --> 00:33:26,640
Speaker 2: Yes, I love it, Michael, That's exactly I've gotten more

709
00:33:26,720 --> 00:33:28,640
Speaker 2: organized about that over the past year because I realized

710
00:33:28,640 --> 00:33:30,960
Speaker 2: I had this one particular note where I would jot

711
00:33:31,000 --> 00:33:32,720
Speaker 2: all of this down, and so I said, you know what,

712
00:33:33,080 --> 00:33:35,280
Speaker 2: like I literally did this last year, I want to

713
00:33:35,280 --> 00:33:37,520
Speaker 2: start making this official, and so at the top I

714
00:33:37,560 --> 00:33:40,880
Speaker 2: added a title and it's called consume, and it's where

715
00:33:40,920 --> 00:33:44,880
Speaker 2: I put everything that I want to either read, potato

716
00:33:45,000 --> 00:33:50,360
Speaker 2: chips or listen to. But then very recently I started

717
00:33:50,360 --> 00:33:53,520
Speaker 2: categorizing some of the different recommendations I would hear because

718
00:33:53,520 --> 00:33:55,680
Speaker 2: I'd always you always ask the follow up, Oh, what's

719
00:33:55,680 --> 00:33:58,320
Speaker 2: that on? And then they're like, oh, that's on Max

720
00:33:58,360 --> 00:34:02,200
Speaker 2: and so boom, I've like that under my max list.

721
00:34:02,200 --> 00:34:04,120
Speaker 1: But I love to tell the Matt about Tokyovice.

722
00:34:04,160 --> 00:34:04,600
Speaker 3: It's great.

723
00:34:05,120 --> 00:34:06,480
Speaker 2: Have you heard of that one, Michael.

724
00:34:06,320 --> 00:34:07,880
Speaker 3: No, I haven't. Well, now I'm gonna have to add

725
00:34:07,880 --> 00:34:08,480
Speaker 3: it to my list.

726
00:34:08,840 --> 00:34:12,319
Speaker 2: It's underrated. It's a max max and I've got max

727
00:34:12,400 --> 00:34:12,799
Speaker 2: right now.

728
00:34:13,040 --> 00:34:15,080
Speaker 4: So one other tip that I have, which is not

729
00:34:15,120 --> 00:34:17,400
Speaker 4: going to work for everyone, but it works for me. Uh,

730
00:34:17,520 --> 00:34:20,080
Speaker 4: if you have a Roku, you know there are those

731
00:34:20,760 --> 00:34:24,160
Speaker 4: four keys on the bottom that are basically advertisements. So

732
00:34:24,440 --> 00:34:27,640
Speaker 4: what I've done is I don't use those, so I've

733
00:34:27,680 --> 00:34:31,480
Speaker 4: basically put labels over top that show the services that

734
00:34:31,520 --> 00:34:36,000
Speaker 4: I do have. So it ruins the functionality of those keys,

735
00:34:36,520 --> 00:34:38,880
Speaker 4: but it's a reminder of the services that I'm paying

736
00:34:38,920 --> 00:34:39,960
Speaker 4: for right.

737
00:34:39,840 --> 00:34:40,560
Speaker 3: On my romote.

738
00:34:41,000 --> 00:34:43,200
Speaker 2: So sort of like when you write like a spending

739
00:34:43,200 --> 00:34:44,719
Speaker 2: category on a specific credit card.

740
00:34:45,160 --> 00:34:47,719
Speaker 4: That's exactly what inspired me to do it, is it

741
00:34:47,760 --> 00:34:49,839
Speaker 4: really it's putting like a sticker on a credit card

742
00:34:49,880 --> 00:34:50,920
Speaker 4: that says you're a percentage.

743
00:34:50,960 --> 00:34:52,200
Speaker 3: That's why I was like, I need to do this

744
00:34:52,239 --> 00:34:53,239
Speaker 3: for my streaming.

745
00:34:52,920 --> 00:34:56,560
Speaker 1: Services come from the same cloths. Yes, for sure. Okay,

746
00:34:57,080 --> 00:35:01,160
Speaker 1: what's your take Michael on ad supported versus AD free plans?

747
00:35:01,200 --> 00:35:04,200
Speaker 1: Because you can save a lot of money by watching

748
00:35:04,360 --> 00:35:07,080
Speaker 1: some ads, and they're not as bad. I think people

749
00:35:07,080 --> 00:35:08,799
Speaker 1: get a note with them, but they're not as bad

750
00:35:08,840 --> 00:35:11,920
Speaker 1: as traditional TV was. I mean, we are old enough

751
00:35:12,000 --> 00:35:15,640
Speaker 1: to remember the twenty one minute show that fits inside

752
00:35:15,640 --> 00:35:18,000
Speaker 1: of a thirty minute half hour. That's because there were

753
00:35:18,040 --> 00:35:18,919
Speaker 1: nine minutes worth of ads.

754
00:35:18,920 --> 00:35:19,720
Speaker 2: Guys like, that's.

755
00:35:19,600 --> 00:35:21,799
Speaker 1: Why and now when you when you watch these and

756
00:35:21,840 --> 00:35:23,239
Speaker 1: I get that kind of we fell out of the

757
00:35:23,239 --> 00:35:25,719
Speaker 1: habit of watching ads, and it sucks to go back.

758
00:35:26,120 --> 00:35:29,200
Speaker 1: But the it seems like the gap has grown significantly

759
00:35:29,200 --> 00:35:31,480
Speaker 1: between the ad free and the ad supported plans. And

760
00:35:31,800 --> 00:35:33,560
Speaker 1: I think you've said too that that some are worse

761
00:35:33,600 --> 00:35:34,000
Speaker 1: than others.

762
00:35:34,040 --> 00:35:37,920
Speaker 4: Right, sure, absolutely, And I'm almost forty. I think you

763
00:35:37,960 --> 00:35:41,480
Speaker 4: guys are right there with me, so I'm I have

764
00:35:41,600 --> 00:35:43,880
Speaker 4: that same experience of I know what it was like

765
00:35:44,280 --> 00:35:46,120
Speaker 4: to have to sit through those ads, and if you

766
00:35:46,160 --> 00:35:49,120
Speaker 4: didn't have a VCR, you weren't skipping through any ads.

767
00:35:49,160 --> 00:35:51,319
Speaker 3: You just had to stick with the ads.

768
00:35:51,400 --> 00:35:53,400
Speaker 1: I love that you didn't go back to just the

769
00:35:53,560 --> 00:35:55,719
Speaker 1: what they call it with the TVR. Yeah yea, yeah tea,

770
00:35:55,760 --> 00:35:58,480
Speaker 1: it's not DVI. You ha'd a VCR man. I never

771
00:35:58,520 --> 00:35:58,960
Speaker 1: had one of those.

772
00:35:59,160 --> 00:36:01,680
Speaker 4: I didn't either, we had a But as far as

773
00:36:01,719 --> 00:36:04,920
Speaker 4: the ad supported services, the best ones and I've tested

774
00:36:04,920 --> 00:36:07,600
Speaker 4: them all as far as the lightest AD load are

775
00:36:07,760 --> 00:36:13,600
Speaker 4: now Amazon Prime, which is added advertising, Netflix Max, and Peacock.

776
00:36:14,040 --> 00:36:16,759
Speaker 4: Those are the ones that I find the most tolerable.

777
00:36:17,280 --> 00:36:19,600
Speaker 4: And especially it also depends on what we're watching, So

778
00:36:19,680 --> 00:36:22,120
Speaker 4: sometimes I'll catch a movie and they'll just have two

779
00:36:22,200 --> 00:36:24,360
Speaker 4: minutes of ads before the movie.

780
00:36:24,080 --> 00:36:27,479
Speaker 3: Starts, and then no ads through it. So for people

781
00:36:27,520 --> 00:36:28,560
Speaker 3: who are really.

782
00:36:28,800 --> 00:36:31,080
Speaker 4: Concerned about the ads, I say, just like, give it

783
00:36:31,120 --> 00:36:33,280
Speaker 4: a try for a month. You can always switch back

784
00:36:33,320 --> 00:36:38,000
Speaker 4: to those plans that are ad free. But as far

785
00:36:38,040 --> 00:36:41,160
Speaker 4: as managing costs, the ad supported plans are the best

786
00:36:41,520 --> 00:36:45,120
Speaker 4: for the companies. So those are going to be priced

787
00:36:45,200 --> 00:36:48,680
Speaker 4: lower because between the AD revenue and the subscription price

788
00:36:48,760 --> 00:36:51,759
Speaker 4: they actually end up making these companies more money than

789
00:36:51,800 --> 00:36:52,880
Speaker 4: the ad free plans.

790
00:36:53,040 --> 00:36:55,480
Speaker 1: And one last tip the piggies back on that is

791
00:36:55,800 --> 00:37:00,239
Speaker 1: the sales that happen often around Black Friday are for

792
00:37:00,520 --> 00:37:02,920
Speaker 1: the ad supported plans. So I've got Hulu for a

793
00:37:02,920 --> 00:37:05,160
Speaker 1: full year for ninety nine cents a month. Granted the

794
00:37:05,200 --> 00:37:07,000
Speaker 1: Hulu ads are more annoying than they are and a

795
00:37:07,000 --> 00:37:09,960
Speaker 1: lot of the other streaming services, but I otherwise just

796
00:37:10,000 --> 00:37:12,400
Speaker 1: wouldn't have Hulu. But twelve bucks a year to be

797
00:37:12,400 --> 00:37:14,160
Speaker 1: able to watch even just two or three things on there,

798
00:37:14,200 --> 00:37:15,479
Speaker 1: I mean, that's it seems like a what.

799
00:37:15,400 --> 00:37:17,600
Speaker 2: Do you think, Michael, twelve dollars a year to have

800
00:37:17,680 --> 00:37:20,560
Speaker 2: your cheap or you're film interrupted by like a guy

801
00:37:20,600 --> 00:37:21,160
Speaker 2: going have.

802
00:37:21,080 --> 00:37:22,360
Speaker 3: The same deal.

803
00:37:23,719 --> 00:37:26,680
Speaker 4: I will say that that's one of the apps that

804
00:37:26,880 --> 00:37:29,359
Speaker 4: has stuff that I like to watch. But I would

805
00:37:29,440 --> 00:37:31,520
Speaker 4: open it a lot more if there were fewer ads.

806
00:37:31,719 --> 00:37:34,760
Speaker 4: Hulu and Paramount Plus are very aggressive with their ads.

807
00:37:35,000 --> 00:37:37,239
Speaker 2: Yeah, that's that's the downside. If it was just a

808
00:37:37,239 --> 00:37:39,440
Speaker 2: couple ads at the beginning, it's like, okay, you know

809
00:37:39,480 --> 00:37:42,279
Speaker 2: what I can fine, I'll watch five minutes of ads

810
00:37:42,280 --> 00:37:44,239
Speaker 2: if I can do that while I go pop the popcorn. Right,

811
00:37:44,280 --> 00:37:47,239
Speaker 2: But to have a movie interrupted in the middle, that's

812
00:37:48,000 --> 00:37:49,799
Speaker 2: as you're watching there with the kids. That like that

813
00:37:49,880 --> 00:37:51,840
Speaker 2: kind of thing, like on a Friday night, that's that

814
00:37:51,920 --> 00:37:52,719
Speaker 2: kind of bums me up.

815
00:37:52,840 --> 00:37:55,400
Speaker 4: Someone once told me they do push ups during all

816
00:37:55,440 --> 00:37:58,600
Speaker 4: the commercial breaks, So I immediately thought, they're not watching

817
00:37:58,680 --> 00:38:01,040
Speaker 4: Hulu because there are would be really sore.

818
00:38:01,360 --> 00:38:06,040
Speaker 2: They would be just right, that's at least stay so healthy, Michael.

819
00:38:06,120 --> 00:38:10,480
Speaker 2: But so these are ways that you can save monthly, right,

820
00:38:10,600 --> 00:38:12,440
Speaker 2: like when it comes to some of the different UH

821
00:38:12,600 --> 00:38:15,239
Speaker 2: streaming subscriptions. But there are some other ways that you

822
00:38:15,239 --> 00:38:17,000
Speaker 2: can cut expenses every single month. We'll get to a

823
00:38:17,040 --> 00:38:18,719
Speaker 2: few more of those right after this.

824
00:38:26,800 --> 00:38:29,520
Speaker 1: All right backwards, I'll talking with Michael Timmerman talking about

825
00:38:29,520 --> 00:38:33,040
Speaker 1: getting scrappy to save some money. And Michael is nothing

826
00:38:33,160 --> 00:38:35,200
Speaker 1: if not scrappy, and I'm hoping that we can all

827
00:38:35,680 --> 00:38:39,200
Speaker 1: learn and adapt how we handle our monthly bills thanks

828
00:38:39,200 --> 00:38:41,960
Speaker 1: to his ability to test some of these services and

829
00:38:42,000 --> 00:38:43,280
Speaker 1: offer his best advice.

830
00:38:43,440 --> 00:38:45,280
Speaker 2: Just to avoid paramount, that's what I paramount.

831
00:38:46,400 --> 00:38:48,279
Speaker 1: Yeah, don't do that one and just go back and

832
00:38:48,280 --> 00:38:50,000
Speaker 1: see what you're paying, man, because you might be paying

833
00:38:50,000 --> 00:38:51,680
Speaker 1: for stuff you're not even using. You might not have

834
00:38:51,800 --> 00:38:54,160
Speaker 1: even realized that that is just like low hanging fruit

835
00:38:54,160 --> 00:38:57,760
Speaker 1: tip right there. But Michael, in addition to streaming services,

836
00:38:57,800 --> 00:38:59,960
Speaker 1: you you test other things too. Streaming is kind of

837
00:39:00,239 --> 00:39:02,160
Speaker 1: I feel like what you're known for, and I appreciate

838
00:39:02,160 --> 00:39:05,000
Speaker 1: all the information you just shared, But talk to me

839
00:39:05,000 --> 00:39:07,959
Speaker 1: about home internet. I feel like every time I ask

840
00:39:08,080 --> 00:39:11,479
Speaker 1: someone about home internet service, I always get a reply

841
00:39:11,560 --> 00:39:13,680
Speaker 1: that they're paying like seventy or eighty dollars a month,

842
00:39:14,040 --> 00:39:15,960
Speaker 1: which is more than I'd be willing to pay. I

843
00:39:15,960 --> 00:39:17,680
Speaker 1: feel like I'm always able to save money, but I

844
00:39:17,719 --> 00:39:19,680
Speaker 1: just have to stay on it every single year, kind

845
00:39:19,680 --> 00:39:23,080
Speaker 1: of pitting the two internet providers that I have against

846
00:39:23,120 --> 00:39:26,239
Speaker 1: each other. But you've also talked about a third way

847
00:39:26,280 --> 00:39:29,160
Speaker 1: in the internet space, five G home Internet. So can

848
00:39:29,200 --> 00:39:30,680
Speaker 1: you talk to me about how you think about home

849
00:39:30,680 --> 00:39:33,360
Speaker 1: internet and whether these new five G players T Mobile

850
00:39:33,360 --> 00:39:35,319
Speaker 1: and Verizon whether their services are worth it.

851
00:39:35,520 --> 00:39:35,759
Speaker 2: Well.

852
00:39:35,800 --> 00:39:37,960
Speaker 4: I'm using them right now, so things have gone pretty

853
00:39:37,960 --> 00:39:41,719
Speaker 4: well so far, and right now I think I'm communicating

854
00:39:41,800 --> 00:39:44,799
Speaker 4: with you on the Verizon one, but I've got both

855
00:39:44,840 --> 00:39:48,520
Speaker 4: of them, I've tested them long term. I think they

856
00:39:48,920 --> 00:39:54,120
Speaker 4: will work for a lot more people than you might realize,

857
00:39:54,239 --> 00:39:57,360
Speaker 4: and that's because they let you connect to the internet,

858
00:39:57,400 --> 00:40:00,239
Speaker 4: surf the web, you can check your emails, on your

859
00:40:00,280 --> 00:40:04,840
Speaker 4: home security, some forms of gaming. I think that is

860
00:40:04,880 --> 00:40:08,200
Speaker 4: where things can kind of break down with the five

861
00:40:08,239 --> 00:40:09,640
Speaker 4: G home internet services.

862
00:40:10,000 --> 00:40:11,759
Speaker 3: But people, I think in.

863
00:40:11,719 --> 00:40:15,440
Speaker 4: General, think they need the highest speed, and that's because

864
00:40:15,480 --> 00:40:19,400
Speaker 4: they're marketed that constantly on television. They need gig speed

865
00:40:19,719 --> 00:40:23,359
Speaker 4: when most households do not. I'm sitting in a two

866
00:40:23,400 --> 00:40:28,160
Speaker 4: thousand square foot house. This little box from Verizon and

867
00:40:28,200 --> 00:40:29,880
Speaker 4: the same for the one from T Mobile.

868
00:40:30,239 --> 00:40:31,560
Speaker 3: They work throughout the whole house.

869
00:40:31,800 --> 00:40:32,360
Speaker 2: Very impressive.

870
00:40:32,400 --> 00:40:34,239
Speaker 1: You just plug it in and go right. And what

871
00:40:34,320 --> 00:40:37,239
Speaker 1: are the speeds? What is the price point and how

872
00:40:37,320 --> 00:40:40,319
Speaker 1: much savings does it represent over maybe traditional home internet.

873
00:40:40,400 --> 00:40:43,080
Speaker 4: So you mentioned seventy five to eighty I think for

874
00:40:43,719 --> 00:40:45,480
Speaker 4: and I think that's in line with what a lot

875
00:40:45,520 --> 00:40:48,080
Speaker 4: of people tell me they've paid maybe fifty to seventy five.

876
00:40:48,440 --> 00:40:52,759
Speaker 4: These newer options are around fifty. They're cheaper if you

877
00:40:53,000 --> 00:40:55,719
Speaker 4: have a phone plan with that phone company, but that

878
00:40:56,000 --> 00:41:00,200
Speaker 4: is going to be a post paid wireless plan. You

879
00:41:00,239 --> 00:41:03,239
Speaker 4: need an expensive phone plan to get a savings on

880
00:41:03,480 --> 00:41:04,800
Speaker 4: the home internet.

881
00:41:04,640 --> 00:41:06,480
Speaker 2: Which might be worth it if you are looking at

882
00:41:06,520 --> 00:41:08,960
Speaker 2: the bigger picture. Right, the ability to look at your

883
00:41:09,040 --> 00:41:12,520
Speaker 2: overall holistic financial picture as opposed to getting the absolute

884
00:41:12,920 --> 00:41:16,360
Speaker 2: cheapest cell phone provider. But now, uh sorry, you're stuck

885
00:41:16,360 --> 00:41:19,960
Speaker 2: paying Exfinity Internet and you know they have it retard

886
00:41:20,000 --> 00:41:21,319
Speaker 2: your call in like two or three mins.

887
00:41:21,360 --> 00:41:21,719
Speaker 1: I don't want to.

888
00:41:22,040 --> 00:41:22,239
Speaker 2: I don't.

889
00:41:22,360 --> 00:41:23,680
Speaker 1: I want to wear this as a badge of honor.

890
00:41:23,719 --> 00:41:25,360
Speaker 1: Matt and I. We pay twenty five bucks here a

891
00:41:25,400 --> 00:41:29,040
Speaker 1: month through Exfinity for I think we get one hundred

892
00:41:29,040 --> 00:41:30,239
Speaker 1: and fifty to two hundred makes of speed.

893
00:41:30,280 --> 00:41:32,560
Speaker 2: Well they just did like a speed upgrade.

894
00:41:32,200 --> 00:41:34,799
Speaker 3: They upgraded it. Yeah, yes, so you get that you're

895
00:41:34,800 --> 00:41:35,920
Speaker 3: on the lowest plan.

896
00:41:35,840 --> 00:41:37,759
Speaker 1: And still and it's twenty five bucks a month and

897
00:41:37,840 --> 00:41:41,319
Speaker 1: it's plenty of speed. So it's I think you don't

898
00:41:41,360 --> 00:41:43,200
Speaker 1: necessarily have to go to one of the new fangal things.

899
00:41:43,200 --> 00:41:45,080
Speaker 1: I mean, maybe it works better for you where you live,

900
00:41:45,480 --> 00:41:47,880
Speaker 1: but it's it's all about shopping around and kind of

901
00:41:47,920 --> 00:41:49,960
Speaker 1: pitting them against each other. That's that's also going to

902
00:41:50,000 --> 00:41:50,480
Speaker 1: lead to say.

903
00:41:50,440 --> 00:41:53,279
Speaker 4: And some people just don't have those options though, jol Like,

904
00:41:53,320 --> 00:41:57,560
Speaker 4: some people don't have another option to pit against Exfinity,

905
00:41:57,920 --> 00:42:00,279
Speaker 4: so they may pay that twenty five dollars, but it's

906
00:42:00,320 --> 00:42:03,080
Speaker 4: for one year and then that doubles the next year.

907
00:42:03,160 --> 00:42:06,080
Speaker 4: So that's the if you're willing to switch every couple

908
00:42:06,120 --> 00:42:08,239
Speaker 4: of years, Yeah, you're gonna be able to keep your

909
00:42:08,280 --> 00:42:12,160
Speaker 4: internet bill twenty bucks thirty bucks lower than that average

910
00:42:12,200 --> 00:42:12,720
Speaker 4: you mentioned.

911
00:42:13,000 --> 00:42:16,200
Speaker 2: Again, it's all about being scrappy. So, Michael, one last

912
00:42:16,239 --> 00:42:18,680
Speaker 2: question for you. I think you've tried something like fifteen

913
00:42:18,680 --> 00:42:19,880
Speaker 2: different phone plans over the.

914
00:42:19,920 --> 00:42:23,320
Speaker 3: Years, so maybe more than that. I think I definitely

915
00:42:23,320 --> 00:42:24,040
Speaker 3: at least fifteen.

916
00:42:24,080 --> 00:42:26,600
Speaker 4: Some of them no longer exist or they've merged, there's

917
00:42:26,640 --> 00:42:28,360
Speaker 4: been some consolidation.

918
00:42:27,800 --> 00:42:28,279
Speaker 3: In that space.

919
00:42:28,360 --> 00:42:30,880
Speaker 2: Okay, so over the years, like what have you learned

920
00:42:31,120 --> 00:42:33,840
Speaker 2: and specifically, like what are the best discounters that you

921
00:42:33,920 --> 00:42:37,000
Speaker 2: typically recommend and who are you currently using? Are you

922
00:42:37,080 --> 00:42:39,439
Speaker 2: using Verizon in order to gain access to that five

923
00:42:39,480 --> 00:42:39,960
Speaker 2: G box?

924
00:42:40,239 --> 00:42:42,360
Speaker 4: I don't have a post paid plan and I haven't

925
00:42:42,400 --> 00:42:43,480
Speaker 4: for a very long time.

926
00:42:43,760 --> 00:42:46,520
Speaker 3: I have now Visible, which.

927
00:42:46,360 --> 00:42:50,600
Speaker 4: Is owned by Verizon, and that does get you a

928
00:42:50,760 --> 00:42:54,640
Speaker 4: discount on the Verizon Home Internet. So that's a little

929
00:42:54,680 --> 00:42:57,120
Speaker 4: bit of a savings sack. You get a better discount

930
00:42:57,160 --> 00:42:59,520
Speaker 4: with the Verizon post paid servery cool.

931
00:42:59,560 --> 00:43:02,839
Speaker 2: So you're yeah, you got the Verizon network, you're paying

932
00:43:02,840 --> 00:43:05,800
Speaker 2: discounted through Visible, but you're getting the Verizon Home Internet.

933
00:43:05,480 --> 00:43:08,080
Speaker 4: For it, Yeah, and for a discount, so it's I

934
00:43:08,120 --> 00:43:10,560
Speaker 4: think it's a ten dollars a month discount on the

935
00:43:10,719 --> 00:43:11,280
Speaker 4: home Internet.

936
00:43:11,400 --> 00:43:14,799
Speaker 1: What other cell phone providers in the discount space do

937
00:43:14,880 --> 00:43:18,640
Speaker 1: you typically recommend. I know some people tend to think, oh,

938
00:43:18,760 --> 00:43:21,520
Speaker 1: the discounter, it's got to be inferior quality, right, it's

939
00:43:22,239 --> 00:43:25,080
Speaker 1: I'm gonna be my calls are going to drop more frequently.

940
00:43:25,280 --> 00:43:26,879
Speaker 1: Matt and I talk about how the NBY and o's

941
00:43:26,960 --> 00:43:31,359
Speaker 1: there on the backbone of the major networks, So that's

942
00:43:31,360 --> 00:43:32,960
Speaker 1: not the case. You shouldn't You shouldn't have to worry

943
00:43:32,960 --> 00:43:34,879
Speaker 1: about that. There are some minor trade offs, but yeah,

944
00:43:34,880 --> 00:43:36,640
Speaker 1: do you have any other favorite discounters out there?

945
00:43:36,920 --> 00:43:38,840
Speaker 4: I think what you said is a lot of that

946
00:43:38,960 --> 00:43:43,360
Speaker 4: is just dated information. When I started reviewing these, Sprint

947
00:43:43,440 --> 00:43:46,480
Speaker 4: was still around, and a lot of the same companies

948
00:43:46,520 --> 00:43:50,160
Speaker 4: today that the MVN knows today used to use Sprint,

949
00:43:50,560 --> 00:43:53,120
Speaker 4: and Sprint's reputation is just not good. I know you

950
00:43:53,160 --> 00:43:54,360
Speaker 4: used to have it, Joel.

951
00:43:54,440 --> 00:43:56,279
Speaker 1: Right, that was the lowest amount I've ever paid. We

952
00:43:56,320 --> 00:43:58,359
Speaker 1: had ten lines on.

953
00:43:58,560 --> 00:43:59,560
Speaker 2: There's ten friends.

954
00:44:00,560 --> 00:44:03,600
Speaker 1: Yeah, and literally people I didn't know and their cousins,

955
00:44:03,800 --> 00:44:06,479
Speaker 1: and we were paying one hundred and something dollars a month,

956
00:44:06,880 --> 00:44:09,200
Speaker 1: low low hundreds, like one hundred and fifteen after taxes

957
00:44:09,200 --> 00:44:12,520
Speaker 1: and everything. So and that was back when you had

958
00:44:12,560 --> 00:44:15,200
Speaker 1: to have multiple lines in order to get a substantial discount.

959
00:44:15,280 --> 00:44:17,520
Speaker 1: You get a solo line. Sorry, you're paying seventy bucks

960
00:44:17,560 --> 00:44:20,320
Speaker 1: a month, like there's no way around it. But that's

961
00:44:20,680 --> 00:44:23,520
Speaker 1: I really appreciate that. In the cell FLOWD space that

962
00:44:23,560 --> 00:44:25,880
Speaker 1: has gone away over the last two or three four years,

963
00:44:25,960 --> 00:44:28,400
Speaker 1: so they exactly a single line and basically pay the

964
00:44:28,440 --> 00:44:28,920
Speaker 1: same price.

965
00:44:29,000 --> 00:44:32,600
Speaker 4: And also with the with Sprint no longer around now,

966
00:44:32,880 --> 00:44:37,520
Speaker 4: and there's not that one carrier with inferior coverage who

967
00:44:37,600 --> 00:44:39,840
Speaker 4: kind of put a whole I think put a stain

968
00:44:40,040 --> 00:44:42,680
Speaker 4: on the MV and OS Now, I think it's really

969
00:44:42,719 --> 00:44:45,200
Speaker 4: just a matter of figuring out who has the best

970
00:44:45,640 --> 00:44:48,720
Speaker 4: coverage in your area. If you like the postpaid service

971
00:44:48,760 --> 00:44:51,440
Speaker 4: that you've got, whether that's Verizon AT and T or

972
00:44:51,480 --> 00:44:54,279
Speaker 4: T Mobile, there's going to be a cheaper option on

973
00:44:54,520 --> 00:44:56,959
Speaker 4: all three of those, so you can you can test

974
00:44:57,000 --> 00:45:00,200
Speaker 4: them out, compare the prices a lot are generally the

975
00:45:00,200 --> 00:45:03,479
Speaker 4: same space you can get savings sometimes if you pay

976
00:45:04,080 --> 00:45:06,800
Speaker 4: for a year in advance, or you can pay monthly

977
00:45:06,880 --> 00:45:11,080
Speaker 4: and still get a low price. Visible's good, Mint's been good,

978
00:45:11,560 --> 00:45:15,520
Speaker 4: tell O is pretty good. Us Mobile another good one too.

979
00:45:15,680 --> 00:45:16,000
Speaker 3: Okay.

980
00:45:16,400 --> 00:45:19,040
Speaker 2: And what about Google five for international travel?

981
00:45:19,160 --> 00:45:22,120
Speaker 4: Yes, I mean if you travel a lot, But if

982
00:45:22,160 --> 00:45:25,000
Speaker 4: you're traveling, if you're planning a trip two years from now,

983
00:45:25,160 --> 00:45:28,160
Speaker 4: you don't need Google five. There's other ways that you

984
00:45:28,200 --> 00:45:32,319
Speaker 4: can get data coverage when you're overseas.

985
00:45:32,800 --> 00:45:35,160
Speaker 1: Literally the Esis right, yeah, he said, is a great

986
00:45:35,160 --> 00:45:38,439
Speaker 1: way to do that. Okay, Michael, very very last question

987
00:45:38,480 --> 00:45:41,279
Speaker 1: for real, are you just doing this this profession to

988
00:45:41,280 --> 00:45:43,120
Speaker 1: get the tax right off on the streaming services in

989
00:45:43,160 --> 00:45:45,440
Speaker 1: the owner that you would have otherwise paid for and

990
00:45:45,440 --> 00:45:46,040
Speaker 1: paid full price?

991
00:45:46,239 --> 00:45:49,360
Speaker 3: Well, absolutely not. It's really, uh not that not that

992
00:45:49,400 --> 00:45:50,479
Speaker 3: big of a rite off.

993
00:45:51,160 --> 00:45:54,080
Speaker 4: This is this is fun for me and personal finance

994
00:45:54,200 --> 00:45:57,239
Speaker 4: just I mean, personal finance is a passion of mine.

995
00:45:57,239 --> 00:46:00,480
Speaker 4: I wouldn't call it an obsession of mine. But I'm

996
00:46:00,520 --> 00:46:03,160
Speaker 4: just sharing people what I'm doing to save money. And

997
00:46:03,360 --> 00:46:05,600
Speaker 4: it's gonna work for some people. It's not gonna work

998
00:46:05,640 --> 00:46:08,480
Speaker 4: for everybody, right though. That's the thing about this space

999
00:46:08,560 --> 00:46:12,440
Speaker 4: and what you guys do is that people can listen

1000
00:46:12,600 --> 00:46:16,320
Speaker 4: and they can pick and choose what will actually work

1001
00:46:16,360 --> 00:46:17,000
Speaker 4: for their life.

1002
00:46:17,040 --> 00:46:20,000
Speaker 2: Yeah, that's right, without going completely crazy because there's a

1003
00:46:20,080 --> 00:46:21,759
Speaker 2: two minute ad in the middle of the movie, like

1004
00:46:21,800 --> 00:46:23,839
Speaker 2: at the most inopportune time.

1005
00:46:24,520 --> 00:46:26,600
Speaker 1: Some folks will put up with that. Other well, some

1006
00:46:26,680 --> 00:46:27,120
Speaker 1: maths won't.

1007
00:46:27,200 --> 00:46:30,680
Speaker 2: Yeah, but Michael, we appreciate you coming on the podcast today.

1008
00:46:30,680 --> 00:46:33,880
Speaker 2: Working folks. Check out the different products and services that

1009
00:46:33,920 --> 00:46:35,480
Speaker 2: you are reviewing and talking about.

1010
00:46:35,560 --> 00:46:38,160
Speaker 3: Sure, Michael says dot com. Michael says on YouTube.

1011
00:46:38,160 --> 00:46:40,000
Speaker 4: That's how you find me, and you can email me too,

1012
00:46:40,040 --> 00:46:44,360
Speaker 4: Michael at Michael says dot com. I do free personal recommendations.

1013
00:46:45,280 --> 00:46:45,840
Speaker 2: Very cool.

1014
00:46:46,080 --> 00:46:48,200
Speaker 1: Michael, thanks for joining us, my friend. We appreciate it.

1015
00:46:48,200 --> 00:46:49,359
Speaker 3: Thanks guys, to talk to you soon.

1016
00:46:49,560 --> 00:46:53,360
Speaker 2: All right. Great conversation about slashing your streaming. Should we

1017
00:46:53,400 --> 00:46:56,400
Speaker 2: have called the episode that Joel instead of you like

1018
00:46:56,400 --> 00:46:59,799
Speaker 2: the scrappy like scrab you? Uh no. Fun conversation with

1019
00:47:00,080 --> 00:47:01,239
Speaker 2: Michael Timmerman again.

1020
00:47:01,320 --> 00:47:03,960
Speaker 1: Isn't there a cartoon animal name scrappy scrappy Scooby Doo?

1021
00:47:04,040 --> 00:47:05,000
Speaker 2: Yeah, Yeah, that was it.

1022
00:47:05,040 --> 00:47:07,879
Speaker 1: Scooby Do's like little bro or what was oh scrappy doo?

1023
00:47:08,000 --> 00:47:10,640
Speaker 2: Yeah, scrappy Do. Okay, he's like the little guy Okay,

1024
00:47:11,160 --> 00:47:13,040
Speaker 2: do you have a big takeaway from our conversation.

1025
00:47:13,200 --> 00:47:13,520
Speaker 4: I do.

1026
00:47:13,640 --> 00:47:17,120
Speaker 1: I do. It's you hate advertisements on services, at least

1027
00:47:17,120 --> 00:47:18,400
Speaker 1: at least in the middle. You don't mind them on

1028
00:47:18,440 --> 00:47:18,839
Speaker 1: the front end.

1029
00:47:18,880 --> 00:47:21,120
Speaker 2: So we didn't even talk about this, but I hate

1030
00:47:21,120 --> 00:47:23,680
Speaker 2: them so much that I would rather cut all the

1031
00:47:23,680 --> 00:47:27,319
Speaker 2: different services. Like we literally don't pay any any subscriptions

1032
00:47:27,320 --> 00:47:29,120
Speaker 2: to any of the different streaming services right now. We

1033
00:47:29,200 --> 00:47:32,600
Speaker 2: decided to go cold Turkey basically, and we're kind of

1034
00:47:32,600 --> 00:47:34,919
Speaker 2: saying how long we can go go before the kids

1035
00:47:35,000 --> 00:47:37,759
Speaker 2: revolt because that's that's essentially where we are right now.

1036
00:47:37,760 --> 00:47:39,480
Speaker 1: Okay, so not even Disney Plus for the kids, No,

1037
00:47:39,760 --> 00:47:40,359
Speaker 1: we have it.

1038
00:47:40,800 --> 00:47:43,279
Speaker 2: Like literally, they were looking to watch something the other

1039
00:47:43,360 --> 00:47:47,120
Speaker 2: day and to the younger girls were like, can we

1040
00:47:47,200 --> 00:47:50,480
Speaker 2: just rent this one movie? We're willing to pay. It

1041
00:47:50,520 --> 00:47:53,240
Speaker 2: was like I think it was four dollars for the renolds,

1042
00:47:53,239 --> 00:47:55,279
Speaker 2: like three to nine, and so each there's two of

1043
00:47:55,320 --> 00:47:57,160
Speaker 2: the girls and they each chipped in two bucks so

1044
00:47:57,160 --> 00:47:58,879
Speaker 2: that they could rent this movie. And I'm like, Hey,

1045
00:47:59,600 --> 00:48:02,000
Speaker 2: we can something else, or we can go go play,

1046
00:48:02,120 --> 00:48:03,480
Speaker 2: We'll go for a hike, and they're like, oh, we

1047
00:48:03,520 --> 00:48:06,040
Speaker 2: really want to watch this, And I was like all right,

1048
00:48:06,160 --> 00:48:07,960
Speaker 2: and so they pulled out their two dollars and it's

1049
00:48:08,040 --> 00:48:08,719
Speaker 2: the force.

1050
00:48:08,640 --> 00:48:10,040
Speaker 1: Forced great depression at Matt's house.

1051
00:48:10,120 --> 00:48:13,120
Speaker 2: It's the ability to value your money in a way,

1052
00:48:13,320 --> 00:48:14,959
Speaker 2: just aligning your spending.

1053
00:48:14,600 --> 00:48:16,880
Speaker 1: With your values. It's more than money. It's not the

1054
00:48:16,880 --> 00:48:18,240
Speaker 1: seven bucks a month even necessarily.

1055
00:48:18,239 --> 00:48:21,160
Speaker 2: I would imagine it's a combination of everything. And it's

1056
00:48:21,160 --> 00:48:22,480
Speaker 2: a little bit that p Yeah, it's a little bit

1057
00:48:22,480 --> 00:48:24,080
Speaker 2: of the financial, but also like how can we better

1058
00:48:24,080 --> 00:48:25,480
Speaker 2: spend our time perhaps as a family.

1059
00:48:25,520 --> 00:48:27,799
Speaker 1: And by the way, you can't skip those ads, so

1060
00:48:27,800 --> 00:48:30,000
Speaker 1: easy to skip the podcast ads, which I appreciate.

1061
00:48:30,520 --> 00:48:30,919
Speaker 2: That's true.

1062
00:48:31,120 --> 00:48:32,960
Speaker 1: Okay, So I want to say my big takeaway is

1063
00:48:32,960 --> 00:48:37,840
Speaker 1: when Michael talked about his weekly financial checklist, and I

1064
00:48:37,920 --> 00:48:41,359
Speaker 1: think it's the systemization of things means you don't have

1065
00:48:41,400 --> 00:48:43,919
Speaker 1: to constantly be worried about money or constantly be thinking

1066
00:48:44,000 --> 00:48:47,360
Speaker 1: about it. When you have this kind of Friday morning

1067
00:48:47,480 --> 00:48:49,960
Speaker 1: routine that he has, he can check in on his

1068
00:48:50,040 --> 00:48:52,839
Speaker 1: money and he can very quickly assess kind of what's

1069
00:48:52,880 --> 00:48:55,319
Speaker 1: going down, how things are shaping up. I like it,

1070
00:48:55,400 --> 00:48:57,840
Speaker 1: and you know what changes he needs to make, and

1071
00:48:57,880 --> 00:49:00,480
Speaker 1: I think he's spot on. Most people think money guys,

1072
00:49:00,520 --> 00:49:02,279
Speaker 1: you have to. You probably have to think about money

1073
00:49:02,280 --> 00:49:04,279
Speaker 1: all the time. And it's like, I'm just like I

1074
00:49:04,320 --> 00:49:06,600
Speaker 1: am kind of obsessed with it, unlike Michael, like I do.

1075
00:49:06,880 --> 00:49:08,960
Speaker 1: I love reading about stuff, and I love just kind

1076
00:49:09,000 --> 00:49:11,920
Speaker 1: of the way money impacts our lives. Like I am

1077
00:49:11,960 --> 00:49:15,440
Speaker 1: just generally interested in finance. But when it comes to

1078
00:49:15,560 --> 00:49:18,800
Speaker 1: like my own money, No, I have some systems in place.

1079
00:49:18,880 --> 00:49:21,399
Speaker 1: They're they're pretty chill, and I don't feel like I'm

1080
00:49:21,400 --> 00:49:23,560
Speaker 1: having to like think about my money all the time.

1081
00:49:23,680 --> 00:49:25,320
Speaker 1: I just kind of like the topic in general. So

1082
00:49:25,360 --> 00:49:26,960
Speaker 1: that's yeah, I mean, that's just my weird oddity.

1083
00:49:27,040 --> 00:49:28,640
Speaker 2: No, I think it's I think, yeah, it's so true

1084
00:49:28,640 --> 00:49:30,640
Speaker 2: if you feel like it's some that it is something

1085
00:49:30,719 --> 00:49:32,400
Speaker 2: that is sort of taking over your mind, the ability

1086
00:49:32,440 --> 00:49:34,919
Speaker 2: to kind of partition it and to put it into

1087
00:49:34,960 --> 00:49:37,359
Speaker 2: silos so that way you like, all right, it's money time,

1088
00:49:37,480 --> 00:49:38,759
Speaker 2: you attack it and then you let it go.

1089
00:49:38,800 --> 00:49:40,080
Speaker 1: It kind of like the flight of the concords. It's

1090
00:49:40,120 --> 00:49:42,919
Speaker 1: business time, but it's money Time's money time. But for him, Yeah,

1091
00:49:43,000 --> 00:49:43,719
Speaker 1: I really liked.

1092
00:49:43,719 --> 00:49:45,840
Speaker 2: A part of that was his weekly credit card payoff,

1093
00:49:46,680 --> 00:49:48,680
Speaker 2: which stood out to me because most folks, or at

1094
00:49:48,719 --> 00:49:51,120
Speaker 2: least myself, I'm looking at it month to month, but

1095
00:49:51,239 --> 00:49:54,080
Speaker 2: he's checking in on it every single week, and I

1096
00:49:54,080 --> 00:49:56,279
Speaker 2: think that's so smart. The ability just to stay on

1097
00:49:56,320 --> 00:49:59,200
Speaker 2: top of your spending, because you could potentially, let's say

1098
00:49:59,200 --> 00:50:02,080
Speaker 2: you forget and it builds up, you don't realize how

1099
00:50:02,160 --> 00:50:04,920
Speaker 2: much you've actually spent, let's say on groceries or and entertainment,

1100
00:50:05,040 --> 00:50:06,120
Speaker 2: and by the time you get to the end of

1101
00:50:06,160 --> 00:50:08,359
Speaker 2: the month, well it's too late. Yeah, you've already spent

1102
00:50:08,400 --> 00:50:10,160
Speaker 2: that money. So that's one of the downsides of using

1103
00:50:10,160 --> 00:50:12,840
Speaker 2: credit cards, and his ability to stay on top of

1104
00:50:12,880 --> 00:50:15,480
Speaker 2: that I think is huge. But as far as my

1105
00:50:15,680 --> 00:50:18,360
Speaker 2: big takeaway, well, it's going to pertain to streaming, and

1106
00:50:18,560 --> 00:50:21,319
Speaker 2: it's going to be to rotate the different services that

1107
00:50:21,360 --> 00:50:24,520
Speaker 2: you use, going there, hit pause, the ability to target

1108
00:50:24,560 --> 00:50:28,040
Speaker 2: specific shows and one of the ways you can accomplish

1109
00:50:28,040 --> 00:50:31,040
Speaker 2: this efficiently. Michael shared that this is something that he does.

1110
00:50:31,120 --> 00:50:32,640
Speaker 2: I do this on my phone as well, but keep

1111
00:50:32,640 --> 00:50:34,600
Speaker 2: a running list of the different things that you want

1112
00:50:34,600 --> 00:50:38,000
Speaker 2: to watch. That way, when you do, say, choose to

1113
00:50:38,040 --> 00:50:39,960
Speaker 2: pay for Max for a couple months, boom, you can

1114
00:50:40,040 --> 00:50:42,279
Speaker 2: rip through that list. You're not watching crap that you

1115
00:50:42,280 --> 00:50:44,439
Speaker 2: don't really want to watch, but you're watching it because

1116
00:50:44,440 --> 00:50:48,000
Speaker 2: you pay for it, as opposed to going proactively going

1117
00:50:48,040 --> 00:50:49,880
Speaker 2: after the stuff that you do want to consume.

1118
00:50:50,080 --> 00:50:52,160
Speaker 1: I love what he did with his remote taping. I

1119
00:50:52,239 --> 00:50:54,279
Speaker 1: mean like, there are all these little different things you

1120
00:50:54,280 --> 00:50:56,759
Speaker 1: can do, so I think, remind yourself of what you're

1121
00:50:56,800 --> 00:50:59,719
Speaker 1: paying for. And I love the seasonal nature of his

1122
00:51:00,000 --> 00:51:02,839
Speaker 1: aproach too. He's like, yeah, I'll have a target it.

1123
00:51:02,840 --> 00:51:06,640
Speaker 1: It's not always on the expensive live TV. It's YouTube

1124
00:51:06,680 --> 00:51:08,400
Speaker 1: TV for six months and then he's doing away with

1125
00:51:08,440 --> 00:51:11,120
Speaker 1: that seventy five or whatever it is dollar bill. So yeah,

1126
00:51:11,120 --> 00:51:13,400
Speaker 1: I think that that's a good way to think about things.

1127
00:51:13,640 --> 00:51:15,120
Speaker 1: And the other thing is just to stop caring about

1128
00:51:15,120 --> 00:51:18,040
Speaker 1: sports because that's gonna be coming all together. Most effective

1129
00:51:18,040 --> 00:51:20,080
Speaker 1: way to save money until And I'm curious to see

1130
00:51:20,239 --> 00:51:23,120
Speaker 1: how good this new sports bundle He mentioned how good

1131
00:51:23,160 --> 00:51:25,640
Speaker 1: it is, because I think that might be a great

1132
00:51:25,640 --> 00:51:27,759
Speaker 1: way for sports lovers to save is sign up for

1133
00:51:27,800 --> 00:51:29,799
Speaker 1: that and avoid everything else that's srue.

1134
00:51:29,840 --> 00:51:31,600
Speaker 2: We'll see. We'll talk about it later this year. Man.

1135
00:51:31,680 --> 00:51:34,279
Speaker 2: But the beer you and I enjoyed today was called

1136
00:51:34,320 --> 00:51:37,880
Speaker 2: a buzz Fest. This is a beer by Infinite Ale Works,

1137
00:51:38,560 --> 00:51:40,960
Speaker 2: a seasonal ale. Yeah, is this this is when you

1138
00:51:40,960 --> 00:51:41,319
Speaker 2: picked up.

1139
00:51:41,360 --> 00:51:43,920
Speaker 1: I picked this up down in Okalla, Florida. Actually have

1140
00:51:43,960 --> 00:51:46,880
Speaker 1: a really cool little micro brewery there, just outside of

1141
00:51:46,880 --> 00:51:50,319
Speaker 1: downtown Okaala, and I was like, they only had two

1142
00:51:50,320 --> 00:51:53,879
Speaker 1: package beers, so this was by default kind of the choice.

1143
00:51:53,880 --> 00:51:55,520
Speaker 1: I meant, right, I'm getting yeah, but no, I like

1144
00:51:55,560 --> 00:51:57,839
Speaker 1: this one. It's it's got October Fest sort of vibes,

1145
00:51:57,920 --> 00:52:00,960
Speaker 1: kind of a multi light brand beer.

1146
00:52:00,719 --> 00:52:02,840
Speaker 2: But it's got like multi multi a nice.

1147
00:52:02,719 --> 00:52:05,880
Speaker 1: Sweetness too going along with it. So yeah, if you

1148
00:52:06,040 --> 00:52:08,520
Speaker 1: like the October festival sweetness, and you can tell that's

1149
00:52:08,520 --> 00:52:10,120
Speaker 1: when they brew this. So we maybe were drinking this,

1150
00:52:10,360 --> 00:52:11,520
Speaker 1: you know, six months past.

1151
00:52:12,680 --> 00:52:15,320
Speaker 2: Past Prime has been sitting well, we've had such great

1152
00:52:15,400 --> 00:52:17,960
Speaker 2: listeners sending in amazing beers that this is one that

1153
00:52:18,120 --> 00:52:20,840
Speaker 2: we've literally just kept in the fridge all these months.

1154
00:52:20,840 --> 00:52:24,359
Speaker 2: But yeah, super maulty, super bretty. It reminded me we've

1155
00:52:24,400 --> 00:52:27,440
Speaker 2: been thrown down a bunch of English muffins recently. I

1156
00:52:27,600 --> 00:52:32,080
Speaker 2: know we've all been on the Nooks and Crannies original bread,

1157
00:52:32,120 --> 00:52:34,960
Speaker 2: and this totally reminds me of that a whole lot.

1158
00:52:35,480 --> 00:52:36,640
Speaker 1: It's better than the nukes and cranny.

1159
00:52:36,840 --> 00:52:39,440
Speaker 2: That's so good. It's so good. But yeah, this German

1160
00:52:40,000 --> 00:52:44,080
Speaker 2: amber pilsner. Is it a Pilsner Marsley Mars But it's

1161
00:52:44,120 --> 00:52:46,840
Speaker 2: like a like the bass maybe the bass beer, I

1162
00:52:46,840 --> 00:52:49,640
Speaker 2: don't know, but either way, enjoyed it. Thankful that you

1163
00:52:49,760 --> 00:52:51,640
Speaker 2: picked this one up for us, Buddy, but we'll make

1164
00:52:51,640 --> 00:52:53,560
Speaker 2: sure to have show notes up on the website at

1165
00:52:53,600 --> 00:52:56,120
Speaker 2: how the Money dot com. We'll link to Michael site

1166
00:52:56,160 --> 00:52:58,840
Speaker 2: his YouTube channel as well. But Buddy, that's gonna be

1167
00:52:58,840 --> 00:53:00,240
Speaker 2: it for this episode until next time.

1168
00:53:00,280 --> 00:53:02,520
Speaker 1: Best Friends Out, Best Friends Out.