1 00:00:00,080 --> 00:00:02,960 Speaker 1: Welcome to How to Money. I'm Joel and I'm Matt, 2 00:00:03,120 --> 00:00:06,760 Speaker 1: and today we're discussing avoiding money fights with Andy Hill. 3 00:00:07,400 --> 00:00:27,960 Speaker 1: M Yeah, Joel, that is right. We're excited to have 4 00:00:28,040 --> 00:00:31,640 Speaker 1: Andy Hill on the show today. On one hand, he's 5 00:00:31,680 --> 00:00:33,760 Speaker 1: an ordinary guy. He's got a regular nine to five 6 00:00:33,880 --> 00:00:37,239 Speaker 1: job podcast on the side like we do. But you know, 7 00:00:37,280 --> 00:00:38,960 Speaker 1: on the other hand, Andy is he's sort of a 8 00:00:39,040 --> 00:00:42,120 Speaker 1: unicorn when it comes to what he's done with his money. 9 00:00:42,320 --> 00:00:45,400 Speaker 1: He and his wife started out fifty thou dollars in debts, 10 00:00:45,640 --> 00:00:48,640 Speaker 1: but in four years they became completely debt free after 11 00:00:48,680 --> 00:00:51,720 Speaker 1: paying off their debt uh and two hundred thousand dollars 12 00:00:51,720 --> 00:00:55,000 Speaker 1: of a home mortgage. Yeah. That's definitely unicorn territory right there. Um. 13 00:00:55,000 --> 00:00:57,800 Speaker 1: And now eight years into it, they've grown their net 14 00:00:57,800 --> 00:01:01,720 Speaker 1: worth two over seven and fifty thousand dollars. Andy's podcast 15 00:01:01,800 --> 00:01:05,399 Speaker 1: is called Marriage, Kids, and Money, and today we're excited 16 00:01:05,440 --> 00:01:08,680 Speaker 1: to hear more about his journey and personal finance, and 17 00:01:08,760 --> 00:01:11,840 Speaker 1: in particular to dive into some ways to avoid those 18 00:01:11,840 --> 00:01:14,199 Speaker 1: money fights like you mentioned. Yeah, So all right, real quick, 19 00:01:14,200 --> 00:01:15,640 Speaker 1: we need to mention the beer that we're having on 20 00:01:15,680 --> 00:01:17,840 Speaker 1: the show today. We're having a beer called Cream Weaver 21 00:01:18,280 --> 00:01:21,280 Speaker 1: by Three Taverns Brewery local Atlanta brewery and your friend 22 00:01:21,319 --> 00:01:24,680 Speaker 1: Tyler donated this right, yeah, and uh Andy, you're you're 23 00:01:24,720 --> 00:01:26,600 Speaker 1: gonna have a beer on the episode as well. Up 24 00:01:26,600 --> 00:01:28,600 Speaker 1: there in Detroit. What do you have it on this episode? 25 00:01:29,120 --> 00:01:32,520 Speaker 1: I'm having Grand Rabbits from Black Rocks Brewery, which is 26 00:01:32,560 --> 00:01:35,200 Speaker 1: actually my brother in law's brewery and they are located 27 00:01:35,240 --> 00:01:37,679 Speaker 1: in Marquette, Michigan. So if you're ever in Michigan or 28 00:01:37,760 --> 00:01:41,119 Speaker 1: northern Wisconsin you want to grab a brew, support Black Rocks. 29 00:01:41,160 --> 00:01:43,160 Speaker 1: It tastes really good and it just helps the family, 30 00:01:43,240 --> 00:01:45,399 Speaker 1: so you know, go for that. Well, it is nice 31 00:01:45,400 --> 00:01:47,800 Speaker 1: to have someone in the business, right in the brewery 32 00:01:47,800 --> 00:01:50,600 Speaker 1: business in your family. It's like free beer on holidays, 33 00:01:50,600 --> 00:01:52,840 Speaker 1: that's for sure. Absolutely. And he's you know, he's one 34 00:01:52,840 --> 00:01:55,200 Speaker 1: of those really exciting entrepreneurial stories. I won't go into 35 00:01:55,200 --> 00:01:57,840 Speaker 1: all the details, but he essentially was a full time 36 00:01:57,880 --> 00:02:00,880 Speaker 1: guy selling pharmaceutical sales and said, you know what, I 37 00:02:00,920 --> 00:02:02,760 Speaker 1: just want to brew beer in my basement. And then 38 00:02:02,760 --> 00:02:05,040 Speaker 1: he moved it to were Bruined Beer in the house, 39 00:02:05,120 --> 00:02:07,160 Speaker 1: and then we're bruined beer in our own brewery, and 40 00:02:07,160 --> 00:02:09,280 Speaker 1: then they started Canning going all around Michigan. It's a 41 00:02:09,280 --> 00:02:11,440 Speaker 1: great that's a great story. I love talking about it. Yeah, 42 00:02:11,480 --> 00:02:15,080 Speaker 1: that's awesome. Alright, So any every episode we have a 43 00:02:15,120 --> 00:02:19,240 Speaker 1: craft beer because for us, it's a sign of choosing 44 00:02:19,320 --> 00:02:22,280 Speaker 1: to live intentionally now, even while we're saving for the future, 45 00:02:22,680 --> 00:02:24,360 Speaker 1: and you're drinking a beer with us. Thank you for that. 46 00:02:24,600 --> 00:02:27,000 Speaker 1: What is your craft beer? What is the thing that 47 00:02:27,520 --> 00:02:31,040 Speaker 1: excites you about spending money on today while you're doing 48 00:02:31,040 --> 00:02:33,240 Speaker 1: such a good job saving for the future. The thing 49 00:02:33,280 --> 00:02:35,120 Speaker 1: that I that I end up splurging on, that I 50 00:02:35,160 --> 00:02:38,800 Speaker 1: spend too much money on are the activities that my 51 00:02:38,880 --> 00:02:42,200 Speaker 1: kids sign up for. So if my kid even remotely 52 00:02:42,240 --> 00:02:46,880 Speaker 1: has some sort of interest in dancing or swimming or tennis, 53 00:02:46,919 --> 00:02:50,400 Speaker 1: I immediately sign them up for it. And it's actually 54 00:02:50,440 --> 00:02:52,440 Speaker 1: to the detriment of our both our budget and our 55 00:02:52,520 --> 00:02:56,560 Speaker 1: our marital sanity sometimes because we end up getting into 56 00:02:56,600 --> 00:02:58,720 Speaker 1: too many activities. And it's kind of funny because now 57 00:02:58,800 --> 00:03:00,639 Speaker 1: that I'm a parent, that's where I want to dump 58 00:03:00,639 --> 00:03:03,240 Speaker 1: a lout of my money because I see how happy 59 00:03:03,280 --> 00:03:05,880 Speaker 1: they get and I want to live vicariously through them. 60 00:03:06,040 --> 00:03:10,360 Speaker 1: Before they came along, it was concerts and I would 61 00:03:10,360 --> 00:03:13,200 Speaker 1: buy roadbikes because I was at two triathlons, and that 62 00:03:13,320 --> 00:03:15,560 Speaker 1: all's just sort of shifted towards my kids because I 63 00:03:15,600 --> 00:03:17,639 Speaker 1: just I love seeing how happy they are and I 64 00:03:17,680 --> 00:03:19,480 Speaker 1: love seeing them light up. So that's that's kind of 65 00:03:19,480 --> 00:03:21,679 Speaker 1: where I'm dumping my money lately. All Right, I'm gonna 66 00:03:21,680 --> 00:03:23,720 Speaker 1: start putting some fun things in their brains, like space 67 00:03:23,760 --> 00:03:29,080 Speaker 1: camp exactly right. Only cost ten thousand dollars for two weeks, 68 00:03:29,240 --> 00:03:33,680 Speaker 1: so big right. Alright, andies, let's let's dive in. On 69 00:03:33,720 --> 00:03:37,080 Speaker 1: a recent episode of your podcast, you mentioned that you've 70 00:03:37,120 --> 00:03:40,080 Speaker 1: had a particularly bad day at work, right, and that 71 00:03:40,360 --> 00:03:43,240 Speaker 1: made you work towards diversifying your income. Can you tell 72 00:03:43,280 --> 00:03:45,440 Speaker 1: us basically what happened and then where did that take 73 00:03:45,480 --> 00:03:49,120 Speaker 1: you in your personal finance journey. Yeah. So I've been 74 00:03:49,160 --> 00:03:52,840 Speaker 1: working in the corporate event marketing world for about fifteen years, 75 00:03:53,120 --> 00:03:56,600 Speaker 1: and I am in my late thirties, and so I've 76 00:03:56,640 --> 00:03:58,000 Speaker 1: been I've been doing this for a while, and you 77 00:03:58,080 --> 00:03:59,880 Speaker 1: kind of get into a groove and you start doing 78 00:04:00,040 --> 00:04:02,200 Speaker 1: well in your career, and you know, you start to 79 00:04:02,200 --> 00:04:04,360 Speaker 1: get to a point where you're you know, enjoying things. 80 00:04:04,360 --> 00:04:08,360 Speaker 1: You're in a managerial level, and then something's happened, you know. 81 00:04:08,440 --> 00:04:12,119 Speaker 1: So one day our company purchased another company, and then 82 00:04:12,120 --> 00:04:15,240 Speaker 1: with that came a different management over. So when that 83 00:04:15,280 --> 00:04:18,120 Speaker 1: management came over, they said, all right, Andy, you are 84 00:04:18,200 --> 00:04:20,960 Speaker 1: not in this position anymore. You are now in this position, 85 00:04:21,400 --> 00:04:23,919 Speaker 1: and those people you were managing, you're not managing them anymore, 86 00:04:24,640 --> 00:04:28,120 Speaker 1: and we're changing your title. It's a demotion and this 87 00:04:28,160 --> 00:04:30,400 Speaker 1: is what you're gonna have to deal with. And I've 88 00:04:30,440 --> 00:04:32,720 Speaker 1: been working really hard up until that point with this 89 00:04:32,760 --> 00:04:35,799 Speaker 1: new company. I had been exceeding my goals every year 90 00:04:36,400 --> 00:04:38,839 Speaker 1: and crushing them and you know, bringing in more sales 91 00:04:38,880 --> 00:04:42,840 Speaker 1: and more clients. And at this point I realized there's 92 00:04:42,920 --> 00:04:46,760 Speaker 1: really nothing that I could do I was in control 93 00:04:46,839 --> 00:04:48,920 Speaker 1: of that really had anything to do with this this 94 00:04:49,000 --> 00:04:51,400 Speaker 1: decision that they were making. And at that point, I said, well, 95 00:04:51,440 --> 00:04:54,000 Speaker 1: you know what, maybe I need to stop trying to 96 00:04:54,080 --> 00:04:57,200 Speaker 1: care so much about my career and try to care 97 00:04:57,240 --> 00:04:59,880 Speaker 1: about something that maybe I do have control on over, 98 00:05:00,040 --> 00:05:03,320 Speaker 1: or at least something that brings me some joy or 99 00:05:03,400 --> 00:05:08,240 Speaker 1: some entrepreneurial spirit or creative spirit. So at that point 100 00:05:08,320 --> 00:05:10,440 Speaker 1: I decided, well, why don't I try to start my 101 00:05:10,520 --> 00:05:13,440 Speaker 1: own thing, my own little entrepreneurial adventure, and that's when 102 00:05:13,440 --> 00:05:15,760 Speaker 1: I decided to start the podcast because I've listened to 103 00:05:15,800 --> 00:05:17,960 Speaker 1: a lot of folks like you guys that are sharing 104 00:05:18,000 --> 00:05:20,600 Speaker 1: these great stories and inspiring people on how to save 105 00:05:20,640 --> 00:05:23,760 Speaker 1: money but also enjoy life. And I thought I had 106 00:05:23,800 --> 00:05:26,400 Speaker 1: something to contribute. So that's where I started, at least 107 00:05:26,400 --> 00:05:29,760 Speaker 1: diversifying in the small business world. And then at that 108 00:05:29,800 --> 00:05:32,040 Speaker 1: time too, I also wanted to diversify my income and 109 00:05:32,240 --> 00:05:35,960 Speaker 1: other fashions as well. Yeah, and I think income diversification 110 00:05:36,200 --> 00:05:38,919 Speaker 1: is something that we don't talk about a whole lot. 111 00:05:39,120 --> 00:05:42,200 Speaker 1: There's there's all these ways to attack your frugality or 112 00:05:42,200 --> 00:05:44,839 Speaker 1: start investing, and we've talked about side hustles on the 113 00:05:44,839 --> 00:05:47,760 Speaker 1: show before, and that's something that people. I think, no 114 00:05:48,080 --> 00:05:51,520 Speaker 1: is a way to increase your income, right, but specifically 115 00:05:51,520 --> 00:05:55,320 Speaker 1: the journey towards having a more diversified income. You I 116 00:05:55,360 --> 00:05:57,640 Speaker 1: believe you said you wanted to have income from five 117 00:05:57,680 --> 00:06:00,720 Speaker 1: different sources. Uh, coming in right, that's like your goal. 118 00:06:00,920 --> 00:06:03,320 Speaker 1: So tell us kind of what those sources are and 119 00:06:03,320 --> 00:06:06,720 Speaker 1: and what a diversification of where you get your income 120 00:06:06,760 --> 00:06:09,400 Speaker 1: from means to you. Yeah, I would say, you know, 121 00:06:09,520 --> 00:06:11,720 Speaker 1: so outside of the small business that we talked about 122 00:06:11,720 --> 00:06:13,839 Speaker 1: that I'm slowly building, which brings me a lot of joy. 123 00:06:14,000 --> 00:06:16,680 Speaker 1: For first and foremost, it brings me joy more than income. 124 00:06:17,080 --> 00:06:19,800 Speaker 1: The other thing is that my wife has started to 125 00:06:20,640 --> 00:06:24,720 Speaker 1: pursue a side hustle per se. She's been doing stay 126 00:06:24,720 --> 00:06:27,920 Speaker 1: at home mom duties over the past four or five years, 127 00:06:28,000 --> 00:06:30,800 Speaker 1: and it's been a really important thing for our family 128 00:06:31,440 --> 00:06:33,920 Speaker 1: that our kids were able to be at home with 129 00:06:33,920 --> 00:06:37,880 Speaker 1: her and enjoy some great bonding time. But she also 130 00:06:37,920 --> 00:06:40,680 Speaker 1: needs some sanity time for herself too, so she started 131 00:06:40,720 --> 00:06:43,680 Speaker 1: to do a little side hustle for herself. She's really 132 00:06:43,720 --> 00:06:47,560 Speaker 1: into organizing, so she started um working for a small 133 00:06:47,560 --> 00:06:49,960 Speaker 1: business locally where she does home organizing. So she goes 134 00:06:49,960 --> 00:06:53,320 Speaker 1: into people's homes and creates order and helps them to 135 00:06:53,440 --> 00:06:55,279 Speaker 1: declude their lives. So that brings her a lot of 136 00:06:55,600 --> 00:06:59,479 Speaker 1: Maricondo Jr. Exactly, it's very I mean talk about you know, 137 00:06:59,560 --> 00:07:02,039 Speaker 1: of the times, right, tidying up with Marie Condo. And 138 00:07:02,080 --> 00:07:03,920 Speaker 1: she sort of laughs at at that a little bit, 139 00:07:03,920 --> 00:07:07,640 Speaker 1: because you know, Mariekando kind of comes in and says, hey, 140 00:07:07,680 --> 00:07:09,720 Speaker 1: here's all the things that you can do to spark joy. 141 00:07:09,880 --> 00:07:12,600 Speaker 1: All right, I'll see you later. And but really, when 142 00:07:12,680 --> 00:07:14,480 Speaker 1: NICOLEA goes into here all the things you can do 143 00:07:14,560 --> 00:07:16,160 Speaker 1: to declare your life, and I'm gonna help you do 144 00:07:16,200 --> 00:07:18,120 Speaker 1: it right now. So it's, uh, it's a little bit 145 00:07:18,160 --> 00:07:20,400 Speaker 1: a little TV magic where they walk away and come back. 146 00:07:20,560 --> 00:07:23,480 Speaker 1: But so that's one of the avenues that we're doing 147 00:07:23,480 --> 00:07:26,480 Speaker 1: to diverse fire income is where Nicole started to do 148 00:07:26,560 --> 00:07:29,880 Speaker 1: something that she's passionate about. The other area as we 149 00:07:29,960 --> 00:07:32,640 Speaker 1: are saving up for our first rental property, which Joel, 150 00:07:32,720 --> 00:07:35,000 Speaker 1: I know you are all about, my friend, and it's 151 00:07:35,000 --> 00:07:37,040 Speaker 1: helped to make a big deal in your life. So 152 00:07:37,080 --> 00:07:39,080 Speaker 1: we're saving up for our first rental property and hopefully 153 00:07:39,120 --> 00:07:41,960 Speaker 1: get some some income that would be um coming in 154 00:07:42,000 --> 00:07:45,560 Speaker 1: on a study basis, and then the fourth one would 155 00:07:45,600 --> 00:07:48,600 Speaker 1: be investing in a taxable brokerage count. So we do it. 156 00:07:48,640 --> 00:07:50,720 Speaker 1: We've done a lot for our retirement over the past 157 00:07:51,040 --> 00:07:53,280 Speaker 1: whatever ten years now, and we've built up a lot 158 00:07:53,280 --> 00:07:55,000 Speaker 1: of funds in there, and it's starting to look a 159 00:07:55,040 --> 00:07:56,720 Speaker 1: little outside and I'm like, all right, we're gonna be 160 00:07:56,760 --> 00:07:59,560 Speaker 1: really great when we're sixty five, and I'm like, okay, well, 161 00:07:59,560 --> 00:08:02,520 Speaker 1: we don't really have anything for thirty five or forty. 162 00:08:02,640 --> 00:08:07,040 Speaker 1: So we're starting to diversify our investments there and see 163 00:08:07,080 --> 00:08:09,640 Speaker 1: where we can go by by building that up a 164 00:08:09,680 --> 00:08:11,280 Speaker 1: little bit. And then really the fifth one is I 165 00:08:11,280 --> 00:08:15,880 Speaker 1: don't I don't plan on really stopping working. Um. I 166 00:08:16,040 --> 00:08:19,440 Speaker 1: enjoy you know, having a full time career and you know, 167 00:08:19,480 --> 00:08:22,920 Speaker 1: providing benefits for my family. So I'll continue to grow 168 00:08:23,000 --> 00:08:26,080 Speaker 1: my career and do really well at my job. And 169 00:08:26,160 --> 00:08:28,880 Speaker 1: you know, if if things don't work out well there 170 00:08:28,960 --> 00:08:31,520 Speaker 1: over time, I've got a great amount of skills that 171 00:08:31,560 --> 00:08:34,480 Speaker 1: I can utilize in other places that will, you know, 172 00:08:34,559 --> 00:08:38,080 Speaker 1: keep you very employable. So so those five different sets 173 00:08:38,120 --> 00:08:39,839 Speaker 1: I think will make me feel a little bit more 174 00:08:39,880 --> 00:08:43,160 Speaker 1: comfortable than the vulnerable position that I found myself in 175 00:08:43,200 --> 00:08:45,360 Speaker 1: a couple of years ago. So diversifying your income, that's 176 00:08:45,360 --> 00:08:48,320 Speaker 1: one way you can handle your money well. Another way 177 00:08:48,440 --> 00:08:51,199 Speaker 1: is to reduce the amount of money that you've got 178 00:08:51,240 --> 00:08:53,559 Speaker 1: going out right your expenses. And so is this about 179 00:08:53,559 --> 00:08:56,160 Speaker 1: the same time that you guys decided to go ahead 180 00:08:56,160 --> 00:08:57,800 Speaker 1: and pay off your house so that you didn't have 181 00:08:57,840 --> 00:08:59,640 Speaker 1: that mortgage hanging over here. Yeah, I think it's sort 182 00:08:59,640 --> 00:09:01,520 Speaker 1: of s elated us a little bit. We did have 183 00:09:01,640 --> 00:09:04,800 Speaker 1: this pay off the mortgage plan when we bought our 184 00:09:05,000 --> 00:09:07,040 Speaker 1: newest house, and that was sort of the agreement that 185 00:09:07,080 --> 00:09:09,240 Speaker 1: my wife and I came to. I was very happy 186 00:09:09,320 --> 00:09:12,280 Speaker 1: living in our thousand square foot bungalow home that we 187 00:09:12,320 --> 00:09:14,880 Speaker 1: had my original bachelor pad. But she said, okay, well 188 00:09:14,920 --> 00:09:16,920 Speaker 1: we're having our second child. You know, maybe we can 189 00:09:17,040 --> 00:09:18,880 Speaker 1: move into a little bit bigger home, into a nicer 190 00:09:18,920 --> 00:09:22,320 Speaker 1: neighborhood with better schools, and like, okay, fine, but that 191 00:09:22,440 --> 00:09:25,199 Speaker 1: mortgage seems so big. If we get this house, it's 192 00:09:25,200 --> 00:09:28,360 Speaker 1: just gonna make me feel claustrophobic, like I always have 193 00:09:28,480 --> 00:09:30,839 Speaker 1: to perform at work, and if I fail, then I'm 194 00:09:30,880 --> 00:09:32,720 Speaker 1: failing my family and I'm failing me. It just made 195 00:09:32,720 --> 00:09:36,360 Speaker 1: me feel really stressed. So we made an agreement, said, okay, 196 00:09:36,360 --> 00:09:38,160 Speaker 1: we'll get the house as long as we can pay 197 00:09:38,160 --> 00:09:41,080 Speaker 1: it off in five years, and so you know, she'd 198 00:09:41,080 --> 00:09:44,439 Speaker 1: get her dream home and I'd get my stress mortgage 199 00:09:44,480 --> 00:09:47,360 Speaker 1: free life. And we agreed to that, and we worked 200 00:09:47,400 --> 00:09:49,880 Speaker 1: hard on that together. In five years, that's the normal 201 00:09:49,920 --> 00:09:52,040 Speaker 1: amount of payoff time, right that most people take the 202 00:09:52,400 --> 00:09:55,200 Speaker 1: mortgage five years, thirty years, you know yours? Right? You 203 00:09:55,200 --> 00:09:56,920 Speaker 1: can you can get a five year mortgage through UH 204 00:09:57,000 --> 00:10:00,319 Speaker 1: through Quicken loans, right right? Yeah? Well, and that, I mean, 205 00:10:00,320 --> 00:10:04,280 Speaker 1: that's incredible, man, I mean that's truly rare. Right, Matt 206 00:10:04,280 --> 00:10:07,679 Speaker 1: called Unicorn in the lead up to this episode, and 207 00:10:08,000 --> 00:10:09,679 Speaker 1: I mean that is the Unicorn territory. You paid it 208 00:10:09,720 --> 00:10:12,040 Speaker 1: off in four years. What was it feeling like when 209 00:10:12,040 --> 00:10:14,640 Speaker 1: you paid off the mortgage? It was great. I mean honestly, 210 00:10:15,120 --> 00:10:18,080 Speaker 1: the grass in front of our house just felt different 211 00:10:18,160 --> 00:10:20,640 Speaker 1: walking on it, because it was like, we own this place, 212 00:10:20,679 --> 00:10:22,680 Speaker 1: this is ours, this is our home forever, and we've 213 00:10:22,880 --> 00:10:25,280 Speaker 1: We've found a home because of my wife, because she 214 00:10:25,320 --> 00:10:27,160 Speaker 1: really wanted to find a really great place to live 215 00:10:27,240 --> 00:10:30,000 Speaker 1: and a great community and great schools that I think 216 00:10:30,080 --> 00:10:32,880 Speaker 1: we're going to be in literally for another years. We're 217 00:10:32,920 --> 00:10:36,000 Speaker 1: happy where we are. That makes it even more exciting 218 00:10:36,040 --> 00:10:37,679 Speaker 1: that this home is paid off and we're going to 219 00:10:37,760 --> 00:10:41,360 Speaker 1: be in it for a long time. So to your point, originally, Matt, 220 00:10:42,000 --> 00:10:47,320 Speaker 1: the expenses dropped dramatically. I mean we were making I 221 00:10:47,360 --> 00:10:51,640 Speaker 1: think eighteen hundred dollar payments. Uh that's with taxes and insurance, 222 00:10:51,679 --> 00:10:54,480 Speaker 1: so thirteen hundred dollars with the principal and interest. So 223 00:10:54,640 --> 00:10:58,280 Speaker 1: I mean every month being able to free up thirteen 224 00:10:58,320 --> 00:11:01,120 Speaker 1: hundred dollars in our budget to do whatever we want, 225 00:11:01,559 --> 00:11:05,440 Speaker 1: whether it's save up for rental, property, go on more vacations, uh, 226 00:11:05,480 --> 00:11:08,000 Speaker 1: splurge on kids activities, you know, things that we could 227 00:11:08,040 --> 00:11:10,439 Speaker 1: do together to make our our family happy. Has has 228 00:11:10,520 --> 00:11:13,720 Speaker 1: just helped, uh not only me feel a lot less 229 00:11:13,720 --> 00:11:16,719 Speaker 1: stressed in my day job, but also you know, give 230 00:11:16,800 --> 00:11:19,080 Speaker 1: us a lot more joy at our house. Yeah. You know, 231 00:11:19,360 --> 00:11:21,400 Speaker 1: paying off your mortgage is kind of one of those 232 00:11:21,480 --> 00:11:24,040 Speaker 1: hotly debated things in the personal finance community. It's one 233 00:11:24,080 --> 00:11:26,040 Speaker 1: of those things that just kind of it's an argument 234 00:11:26,040 --> 00:11:29,079 Speaker 1: that never dies. Uh. So when you guys were debating 235 00:11:29,120 --> 00:11:31,400 Speaker 1: and that, and partly that's because rates are just incredibly 236 00:11:31,400 --> 00:11:34,120 Speaker 1: low right now, and the fact that if you have 237 00:11:34,120 --> 00:11:36,560 Speaker 1: an interest right in the threes, like, why wouldn't you 238 00:11:36,640 --> 00:11:40,440 Speaker 1: prioritize saving and investing for retirement? So take us through 239 00:11:40,440 --> 00:11:42,600 Speaker 1: that thought process and the discussions that you guys had. 240 00:11:42,679 --> 00:11:45,800 Speaker 1: Was peace of mind worth more to you and your 241 00:11:45,840 --> 00:11:50,680 Speaker 1: family than even kind of that decision about the return 242 00:11:50,720 --> 00:11:53,000 Speaker 1: that you're going to get on the money. Yeah, Joel, 243 00:11:53,040 --> 00:11:56,880 Speaker 1: If you look at the math from seventeen when we 244 00:11:56,960 --> 00:11:59,280 Speaker 1: paid this more, when we paid this three percent interest 245 00:11:59,280 --> 00:12:02,240 Speaker 1: payment off, the stock market did all or a lot 246 00:12:02,280 --> 00:12:04,600 Speaker 1: better than three right, So if you're looking at the 247 00:12:04,640 --> 00:12:07,080 Speaker 1: pure math of the thing you'd say, wow, that that 248 00:12:07,160 --> 00:12:10,559 Speaker 1: doesn't seem like a good you know, you see your money. Honestly, 249 00:12:10,840 --> 00:12:15,240 Speaker 1: it was all emotional, stress based, and it just it 250 00:12:15,280 --> 00:12:17,920 Speaker 1: was one of those decisions where it's like I I 251 00:12:18,000 --> 00:12:21,440 Speaker 1: went through buying a home in two thousand four and 252 00:12:21,520 --> 00:12:23,200 Speaker 1: bought it at the top of the market, and then 253 00:12:23,360 --> 00:12:27,199 Speaker 1: two thousand my home was worth half of the value 254 00:12:27,200 --> 00:12:30,400 Speaker 1: of it. I overbought. That was the exact opposite situation. 255 00:12:30,400 --> 00:12:33,079 Speaker 1: I bought a home that took up seventy of my 256 00:12:33,120 --> 00:12:35,640 Speaker 1: income from the mortgage. I never wanted to feel like 257 00:12:35,679 --> 00:12:37,920 Speaker 1: that again. I never wanted if you like that again. 258 00:12:38,160 --> 00:12:40,840 Speaker 1: So with this new home buying process, we put almost 259 00:12:40,840 --> 00:12:44,280 Speaker 1: fift down on the home and paid it off in 260 00:12:44,320 --> 00:12:46,480 Speaker 1: four years so that we never have to even think 261 00:12:46,880 --> 00:12:50,839 Speaker 1: about the mortgage ever again. And yes, it was a 262 00:12:50,880 --> 00:12:54,719 Speaker 1: stress focused, emotional focused sort of decision, and I am 263 00:12:54,800 --> 00:12:57,200 Speaker 1: so glad that we did. And even looking back at 264 00:12:57,200 --> 00:13:00,840 Speaker 1: the numbers, Yeah, we could have made hundred thousand more 265 00:13:00,880 --> 00:13:03,040 Speaker 1: dollars or whatever whatever the number is. You know what 266 00:13:03,080 --> 00:13:04,560 Speaker 1: I would have done with all of that money that 267 00:13:04,600 --> 00:13:06,520 Speaker 1: I've made in the stock market as soon as as 268 00:13:06,520 --> 00:13:08,080 Speaker 1: soon as I got to it, I would have paid 269 00:13:08,080 --> 00:13:10,640 Speaker 1: off the mortgage just because that's the type of feeling 270 00:13:10,679 --> 00:13:12,920 Speaker 1: that I have in my life and my wife too. 271 00:13:13,000 --> 00:13:15,520 Speaker 1: It makes us feel great to not have any debt 272 00:13:15,559 --> 00:13:18,719 Speaker 1: in our life whatsoever. It's yes, it is motional based. Absolutely. 273 00:13:19,080 --> 00:13:21,000 Speaker 1: I have to clarify one thing. You're not a professional 274 00:13:21,000 --> 00:13:23,400 Speaker 1: athlete or anything like that, right, Like, I'm not making 275 00:13:23,840 --> 00:13:26,640 Speaker 1: millions of dollars like this isn't you And you mentioned 276 00:13:26,640 --> 00:13:28,480 Speaker 1: to your wife stays at home, so this isn't like 277 00:13:29,080 --> 00:13:32,600 Speaker 1: you have to be making two four hundred thousand dollars 278 00:13:32,640 --> 00:13:34,719 Speaker 1: a year. Now, we're we're in the one. We're in 279 00:13:34,720 --> 00:13:36,559 Speaker 1: the one hundred to two hundred thousand dollar range. To 280 00:13:36,559 --> 00:13:38,800 Speaker 1: get everybody kind of a you know, a basis, but 281 00:13:38,880 --> 00:13:40,880 Speaker 1: that's I mean for a lot of the conversations we're 282 00:13:40,920 --> 00:13:42,560 Speaker 1: having with a lot of people, that's you know, when 283 00:13:42,559 --> 00:13:45,000 Speaker 1: you've got a dual income household, that's probably not too 284 00:13:45,040 --> 00:13:46,800 Speaker 1: far off from a war A lot of war people are. 285 00:13:46,800 --> 00:13:48,920 Speaker 1: I mean, the average I know is like fifty sixty 286 00:13:49,000 --> 00:13:51,120 Speaker 1: something like that. Um, but yeah, that's where we are 287 00:13:51,160 --> 00:13:53,199 Speaker 1: in our lives. So you know, while you're working on 288 00:13:53,240 --> 00:13:56,160 Speaker 1: the mortgage, you mentioned how you guys pretended that you 289 00:13:56,240 --> 00:13:59,200 Speaker 1: got paid less to pay off your mortgage more quickly. 290 00:13:59,320 --> 00:14:01,520 Speaker 1: You know, it's an effect of kind of mental trick 291 00:14:01,880 --> 00:14:03,959 Speaker 1: that you played on yourself. Um, why do you think 292 00:14:04,000 --> 00:14:06,360 Speaker 1: that worked for you? And you know, are there other 293 00:14:06,400 --> 00:14:09,680 Speaker 1: decisions that you made that kind of allowed you to 294 00:14:09,679 --> 00:14:13,120 Speaker 1: stay focused on your goals? Yeah, that's a great question. 295 00:14:13,120 --> 00:14:14,679 Speaker 1: And I think when you look at how to pay 296 00:14:14,679 --> 00:14:16,160 Speaker 1: a mortgage off and you're like, oh, how did you 297 00:14:16,200 --> 00:14:18,280 Speaker 1: pay it off? It's like if you ask the question, 298 00:14:18,360 --> 00:14:19,640 Speaker 1: as soon as you think about it, you knew how 299 00:14:19,640 --> 00:14:21,400 Speaker 1: it how it was paid off. You put a lot 300 00:14:21,440 --> 00:14:23,960 Speaker 1: of money towards the principle every month, right, So but 301 00:14:24,080 --> 00:14:26,120 Speaker 1: how do you do that? Then? How do you psychologically 302 00:14:26,120 --> 00:14:28,760 Speaker 1: trick yourself or what are the hacks to get yourself 303 00:14:28,800 --> 00:14:30,760 Speaker 1: to do that. So one of the things that we 304 00:14:30,800 --> 00:14:34,840 Speaker 1: did is that I get paid twenty six times per year, 305 00:14:35,040 --> 00:14:39,560 Speaker 1: which is essentially every two weeks versus the twice a month, 306 00:14:39,600 --> 00:14:43,680 Speaker 1: so paychecks versus twenty four paychecks. I just pretended like 307 00:14:43,720 --> 00:14:45,600 Speaker 1: we got the twenty four. So every time we got 308 00:14:45,600 --> 00:14:48,120 Speaker 1: those extra two, which would be twice a year, both 309 00:14:48,120 --> 00:14:50,760 Speaker 1: of those would go towards the mortgage. Every time I 310 00:14:50,880 --> 00:14:53,440 Speaker 1: get a bonus for kick and butt at work that 311 00:14:53,480 --> 00:14:56,400 Speaker 1: would go towards the mortgage. When we moved into our 312 00:14:56,440 --> 00:14:59,320 Speaker 1: new home and we had different things and that we 313 00:14:59,360 --> 00:15:01,640 Speaker 1: wanted to maybe be sell because we didn't use anymore 314 00:15:01,680 --> 00:15:04,120 Speaker 1: because we have kids. My road bike that we talked 315 00:15:04,160 --> 00:15:07,320 Speaker 1: about earlier that when on craigslist, I took that money 316 00:15:07,320 --> 00:15:09,480 Speaker 1: and threw it to the mortgage. Things that I didn't 317 00:15:09,520 --> 00:15:11,120 Speaker 1: use anymore. We moved to a new town and I've 318 00:15:11,120 --> 00:15:12,840 Speaker 1: got little babies, I don't have time to, you know, 319 00:15:12,920 --> 00:15:14,800 Speaker 1: go road biking. I bought it. I had a moped 320 00:15:14,840 --> 00:15:16,640 Speaker 1: back in my old play same sort of thing I'm 321 00:15:16,680 --> 00:15:18,960 Speaker 1: not I'm I'm not using it, sell it go towards 322 00:15:18,960 --> 00:15:21,760 Speaker 1: the mortgage. These types of things that didn't really steal 323 00:15:21,760 --> 00:15:24,320 Speaker 1: a lot of our joy, that we weren't even using anyway, 324 00:15:24,600 --> 00:15:26,200 Speaker 1: helped us to do that. My wife sold a couple 325 00:15:26,240 --> 00:15:29,520 Speaker 1: of purses, things like that. Other things that we did 326 00:15:29,600 --> 00:15:32,040 Speaker 1: to help keep the consistency going. My wife and I 327 00:15:32,080 --> 00:15:34,560 Speaker 1: met on a monthly basis for what we dubbed the 328 00:15:34,560 --> 00:15:37,280 Speaker 1: budget party, where we'd get together and we talk about 329 00:15:37,360 --> 00:15:39,960 Speaker 1: our spending from the previous month, our plans for the 330 00:15:39,960 --> 00:15:41,920 Speaker 1: current month, and then how we are, how we're doing 331 00:15:41,920 --> 00:15:44,680 Speaker 1: on our goals and we did that every month pretty 332 00:15:44,760 --> 00:15:47,080 Speaker 1: much the entire portion of our marriage now for seven 333 00:15:47,120 --> 00:15:50,800 Speaker 1: eight years, and that really helped us to stay consistent 334 00:15:50,840 --> 00:15:53,720 Speaker 1: with our goals and pay off this mortgage on time. 335 00:15:53,800 --> 00:15:56,120 Speaker 1: So it was great. That's awesome. Yeah, and we want 336 00:15:56,120 --> 00:15:59,000 Speaker 1: to talk more about specifically how you and your wife 337 00:15:59,000 --> 00:16:00,600 Speaker 1: have handled money together there and we want to talk 338 00:16:00,680 --> 00:16:02,640 Speaker 1: more about the budget parties, and we'll get to that 339 00:16:02,640 --> 00:16:04,400 Speaker 1: in just a little bit in the show. I wanted 340 00:16:04,400 --> 00:16:06,000 Speaker 1: to ask you too real quick while we're on the 341 00:16:06,000 --> 00:16:09,800 Speaker 1: topic of real estate about rental properties, such awesome stuff 342 00:16:09,840 --> 00:16:11,880 Speaker 1: about paying off your mortgage and kind of the ways 343 00:16:11,920 --> 00:16:15,400 Speaker 1: that you can trick yourself into doing better with your 344 00:16:15,400 --> 00:16:17,240 Speaker 1: money so that you can get there more quickly. And 345 00:16:17,280 --> 00:16:19,800 Speaker 1: I think money is so psychological. That's that's like a 346 00:16:19,880 --> 00:16:21,560 Speaker 1: huge thing that a lot of people need to hear 347 00:16:21,600 --> 00:16:23,960 Speaker 1: that there are ways that you can kind of accelerate 348 00:16:24,000 --> 00:16:26,680 Speaker 1: that by by tricking the way that your brain actually works. 349 00:16:27,080 --> 00:16:28,800 Speaker 1: So now you want to buy a rental property, and 350 00:16:28,840 --> 00:16:31,640 Speaker 1: you want to buy it in cash, which is a 351 00:16:31,720 --> 00:16:34,120 Speaker 1: big goal in and of itself, tell us, like why 352 00:16:34,160 --> 00:16:36,000 Speaker 1: that's one of your goals, Why that's one of your 353 00:16:36,040 --> 00:16:38,320 Speaker 1: income streams that you want to generate and kind of 354 00:16:38,360 --> 00:16:41,080 Speaker 1: how you're planning to get there. Yeah, So, since we 355 00:16:41,160 --> 00:16:43,400 Speaker 1: paid off the mortgage and we're really enjoying this debt 356 00:16:43,400 --> 00:16:46,000 Speaker 1: free life, we said, well, it kind of feels silly 357 00:16:46,000 --> 00:16:47,560 Speaker 1: to go back and get a mortgage now if we're 358 00:16:47,560 --> 00:16:50,280 Speaker 1: gonna get our first rental property. So my wife and 359 00:16:50,280 --> 00:16:52,200 Speaker 1: I agreed, why don't we just keep on saving our 360 00:16:52,240 --> 00:16:55,120 Speaker 1: money until we have enough to buy one in cash. 361 00:16:55,160 --> 00:16:58,320 Speaker 1: So we've been doing that now for about two years 362 00:16:58,960 --> 00:17:01,680 Speaker 1: and we have close to about a hundred thousand dollars. 363 00:17:01,680 --> 00:17:04,000 Speaker 1: And in Metro Detroit and some of the you know, 364 00:17:04,080 --> 00:17:06,600 Speaker 1: suburb areas where a lot of the younger folks are living, 365 00:17:06,600 --> 00:17:08,600 Speaker 1: you can get ah, you can get a thousand square 366 00:17:08,600 --> 00:17:12,240 Speaker 1: foot home for about a hundred thousand bucks, and you 367 00:17:12,280 --> 00:17:15,200 Speaker 1: can become a landlord. So that is our current plan, 368 00:17:15,680 --> 00:17:17,640 Speaker 1: and the reason that we want to do it with 369 00:17:18,200 --> 00:17:20,640 Speaker 1: you know, no debt whatsoever, is just there's a lot 370 00:17:20,680 --> 00:17:23,720 Speaker 1: of perks to that. There's no mortgage payments, there's no 371 00:17:23,800 --> 00:17:26,240 Speaker 1: closing costs. You know, it helps when you're in a 372 00:17:26,280 --> 00:17:29,320 Speaker 1: competitive market, right, I mean, who you gotta you get 373 00:17:29,520 --> 00:17:31,119 Speaker 1: deal with people who are buying in cash. You can 374 00:17:31,240 --> 00:17:33,720 Speaker 1: have a better opportunity, more of the money is coming 375 00:17:33,720 --> 00:17:36,280 Speaker 1: back to you, more cash flow, right. And then again 376 00:17:36,359 --> 00:17:38,560 Speaker 1: back to that first point that I keep making less 377 00:17:38,600 --> 00:17:40,919 Speaker 1: stress less things that I have to worry about. If 378 00:17:40,920 --> 00:17:44,600 Speaker 1: I have another mortgage, that really adds onto my stress level. 379 00:17:44,680 --> 00:17:46,280 Speaker 1: As you can tell, there's a there's a theme going 380 00:17:46,280 --> 00:17:50,840 Speaker 1: on here. Well, I think that's huge because debt, money 381 00:17:50,840 --> 00:17:54,320 Speaker 1: stresses looming over us, mortgage payments, all those sorts of things, 382 00:17:54,359 --> 00:17:56,840 Speaker 1: they have a weight on our psyche. And so it's 383 00:17:56,880 --> 00:17:59,560 Speaker 1: not just obviously the nuts and bolts, because like you said, 384 00:17:59,560 --> 00:18:00,879 Speaker 1: if it were the uts and bolts, you wouldn't have 385 00:18:00,920 --> 00:18:02,440 Speaker 1: paid off your mortgage in four years. You would have 386 00:18:02,440 --> 00:18:04,600 Speaker 1: invested in the stock market. There's so much more that 387 00:18:04,640 --> 00:18:06,840 Speaker 1: goes into it. And I love that you're prioritizing the 388 00:18:06,920 --> 00:18:10,240 Speaker 1: full range of how you can optimize your own life 389 00:18:10,280 --> 00:18:13,439 Speaker 1: as opposed to just like what's the best number on 390 00:18:13,480 --> 00:18:15,879 Speaker 1: a spreadsheet? Right, And and that's where a lot of 391 00:18:15,920 --> 00:18:20,360 Speaker 1: our decisions come from. What's the least time consuming, least 392 00:18:20,400 --> 00:18:23,720 Speaker 1: stressful way that we can go about creating financial decisions 393 00:18:23,760 --> 00:18:27,639 Speaker 1: for our family. So a listener recently you mentioned Andy 394 00:18:27,880 --> 00:18:30,200 Speaker 1: wrote to you and said, I know you're thinking about 395 00:18:30,240 --> 00:18:32,920 Speaker 1: buying a rental of property, don't do it? And so 396 00:18:33,040 --> 00:18:35,600 Speaker 1: did did that give you a little bit of pause? Like, obviously, 397 00:18:35,680 --> 00:18:37,000 Speaker 1: you know the market's kind of hot. And then you've 398 00:18:37,040 --> 00:18:39,600 Speaker 1: got listeners reaching out saying, don't be a dumb you 399 00:18:39,640 --> 00:18:42,840 Speaker 1: don't invest in real estate. Let did that make you think? Yeah, 400 00:18:42,880 --> 00:18:45,520 Speaker 1: you know, I've really liked when my friend reached out 401 00:18:45,560 --> 00:18:47,960 Speaker 1: to me, just shot me a text. Somebody who listens 402 00:18:48,000 --> 00:18:49,640 Speaker 1: to the show is also a friend of a friend 403 00:18:49,680 --> 00:18:51,440 Speaker 1: of mine is like, Hey, I've been doing this for 404 00:18:51,480 --> 00:18:54,720 Speaker 1: a long time. I would not suggest it, and that 405 00:18:54,720 --> 00:18:57,199 Speaker 1: that did give me pause. But what it did do 406 00:18:57,680 --> 00:19:00,520 Speaker 1: is essentially I have thought about it in a way 407 00:19:00,520 --> 00:19:04,119 Speaker 1: where it's like, hey, I've only been researching, reading books, 408 00:19:04,160 --> 00:19:06,439 Speaker 1: and talking to people like yourself, Joel, who've only had 409 00:19:06,480 --> 00:19:09,560 Speaker 1: really great positive experiences about real estate. Why don't I 410 00:19:09,600 --> 00:19:13,119 Speaker 1: also look at the con side, the negative side, so 411 00:19:13,160 --> 00:19:15,639 Speaker 1: I can get a balanced view. Because this is a 412 00:19:15,680 --> 00:19:19,399 Speaker 1: potentially multi six figure investment we're making that we're tying 413 00:19:19,400 --> 00:19:20,879 Speaker 1: our names to, so we want to make sure that 414 00:19:20,920 --> 00:19:22,720 Speaker 1: we're doing it smart and we're doing it right. So, 415 00:19:23,280 --> 00:19:25,360 Speaker 1: as we've done with a lot of the financial decisions 416 00:19:25,400 --> 00:19:27,480 Speaker 1: in our family, want to do it smart and cautiously, 417 00:19:27,520 --> 00:19:29,600 Speaker 1: and we're doing it together. We're making these decisions together. 418 00:19:29,640 --> 00:19:33,480 Speaker 1: So yes, based on that, the comments that I've been receiving, 419 00:19:33,520 --> 00:19:36,040 Speaker 1: as well as you know, text for friends and and 420 00:19:36,119 --> 00:19:39,920 Speaker 1: just general interest in our story. Um yeah, definitely looking 421 00:19:39,960 --> 00:19:42,520 Speaker 1: at both sides to make sure it's a smart decision. Andy, 422 00:19:42,640 --> 00:19:44,879 Speaker 1: that's awesome, so smart. We're gonna talk more with you, 423 00:19:44,920 --> 00:19:57,520 Speaker 1: specifically about money in relationships right after the break. All right, 424 00:19:57,560 --> 00:20:00,159 Speaker 1: we're back with our friend Adie Hill the most of 425 00:20:00,200 --> 00:20:04,040 Speaker 1: the Marriage, Kids of Money podcast, and Andie like marriage, 426 00:20:04,119 --> 00:20:07,480 Speaker 1: kids and money, like you're talking about things that affect 427 00:20:07,520 --> 00:20:10,000 Speaker 1: all of us on your show. And so let's kind 428 00:20:10,000 --> 00:20:12,360 Speaker 1: of start with you and your marriage. And so when 429 00:20:12,400 --> 00:20:14,680 Speaker 1: you and your wife got married, how did you, guys 430 00:20:14,720 --> 00:20:18,120 Speaker 1: begin to handle your personal finances together? Were there need 431 00:20:18,240 --> 00:20:20,760 Speaker 1: obstacles that you had to overcome early on? Oh? Yeah, 432 00:20:20,800 --> 00:20:22,479 Speaker 1: there were. There were quite quite a few of them, 433 00:20:22,520 --> 00:20:26,160 Speaker 1: and they were mostly started by me. So I got, uh, 434 00:20:26,200 --> 00:20:29,000 Speaker 1: I got pretty geeked about personal finance and just kind 435 00:20:29,000 --> 00:20:33,400 Speaker 1: of looking after our our financial situation overall. When I 436 00:20:33,480 --> 00:20:35,480 Speaker 1: learned that I was gonna be a dad, something kind 437 00:20:35,480 --> 00:20:38,640 Speaker 1: of sparked in my brain where I'm like, Okay, not 438 00:20:38,680 --> 00:20:41,639 Speaker 1: just living for me anymore. I'm literally gonna be raising 439 00:20:41,640 --> 00:20:44,680 Speaker 1: a human and I am in charge of her existence 440 00:20:44,760 --> 00:20:47,359 Speaker 1: and helping her to know, have a great life. So 441 00:20:47,680 --> 00:20:49,560 Speaker 1: immediately when I thought, well what am I what am 442 00:20:49,600 --> 00:20:51,000 Speaker 1: I going to do to kind of be in a 443 00:20:51,040 --> 00:20:53,760 Speaker 1: better situation, I turned to my finances. Obviously, you think 444 00:20:53,800 --> 00:20:56,280 Speaker 1: about your health, you think about your finances, but immedia 445 00:20:56,400 --> 00:20:59,000 Speaker 1: and wow, I've got you know, with my wife, now, 446 00:20:59,040 --> 00:21:03,320 Speaker 1: we've got about fifty thousand dollars of debt and we 447 00:21:03,359 --> 00:21:06,080 Speaker 1: should try to erase that before our daughter comes into 448 00:21:06,080 --> 00:21:07,959 Speaker 1: the world. Wouldn't that be cool? Wouldn't that make us 449 00:21:07,960 --> 00:21:12,040 Speaker 1: feel really good? And then start our parenthood. So that's 450 00:21:12,080 --> 00:21:14,600 Speaker 1: sort of got me excited. And I started reading books, 451 00:21:14,600 --> 00:21:18,160 Speaker 1: and I started watching Susie Orman Show and seeing her 452 00:21:18,240 --> 00:21:21,160 Speaker 1: diagnose people, you know, giving them grades with their net 453 00:21:21,160 --> 00:21:23,520 Speaker 1: worth and everything like that. And then I came across 454 00:21:23,520 --> 00:21:26,240 Speaker 1: a book, The Total Money Makeover by Dave Ramsey, which 455 00:21:26,280 --> 00:21:28,080 Speaker 1: I know a lot of people are aware of, and 456 00:21:28,080 --> 00:21:30,199 Speaker 1: it it really hit, It hit hit a chord with me, 457 00:21:30,640 --> 00:21:33,359 Speaker 1: and I was determined to see how we could pay 458 00:21:33,400 --> 00:21:36,080 Speaker 1: off our debt before our daughter came into the world. 459 00:21:36,080 --> 00:21:39,560 Speaker 1: And I mentioned this to my wife, she was kind 460 00:21:39,600 --> 00:21:41,760 Speaker 1: of lukewarm to the idea. Sounds good, but what does 461 00:21:41,800 --> 00:21:43,639 Speaker 1: that mean for us? What does that mean for me? 462 00:21:43,760 --> 00:21:46,359 Speaker 1: Do I have to spend less money? Do I have 463 00:21:46,480 --> 00:21:48,679 Speaker 1: to live on a budget? That does not sound like fun? 464 00:21:49,200 --> 00:21:51,199 Speaker 1: And so as I was describing these things to her, 465 00:21:51,240 --> 00:21:53,840 Speaker 1: it sounded like I was, you know, essentially bringing a 466 00:21:53,880 --> 00:21:56,399 Speaker 1: toxic pill into the relationships, saying, hey, let's have no 467 00:21:56,520 --> 00:21:58,359 Speaker 1: fun and you got to live on a budget and 468 00:21:58,359 --> 00:22:00,239 Speaker 1: all those types of things that nobody wants to do. Right. 469 00:22:00,720 --> 00:22:04,159 Speaker 1: But once I learned that not only do I have 470 00:22:04,200 --> 00:22:06,840 Speaker 1: this excitement about becoming debt free before our daughter is born, 471 00:22:06,920 --> 00:22:10,320 Speaker 1: but she also has some dreams and goals herself. She 472 00:22:10,400 --> 00:22:13,000 Speaker 1: wants to eventually become a stay at home mom, and 473 00:22:13,119 --> 00:22:16,880 Speaker 1: with that comes the necessity of us paying off our debt, 474 00:22:16,960 --> 00:22:19,400 Speaker 1: living on a budget, and talking about our expenses. So 475 00:22:19,720 --> 00:22:21,879 Speaker 1: as we started to talk about those things and craft 476 00:22:21,880 --> 00:22:24,439 Speaker 1: those goals together, that's when she's jumped on board and 477 00:22:24,440 --> 00:22:26,680 Speaker 1: got excited about it. And that's kind of how we 478 00:22:26,760 --> 00:22:29,680 Speaker 1: kick things off in our relationship. And yes, we definitely 479 00:22:29,760 --> 00:22:34,000 Speaker 1: did have some money disagreements and fights and things like that, 480 00:22:34,040 --> 00:22:36,119 Speaker 1: but it came through a lot of trial and error together. 481 00:22:36,960 --> 00:22:40,959 Speaker 1: M Yeah, I mean having that goal in aligning with 482 00:22:41,040 --> 00:22:43,480 Speaker 1: each other, right, being able to have those discussions to 483 00:22:43,520 --> 00:22:46,200 Speaker 1: figure out what both of you want, and then kind 484 00:22:46,240 --> 00:22:49,480 Speaker 1: of aligning what her goal was, which was to stay 485 00:22:49,520 --> 00:22:54,040 Speaker 1: home with her kids. Eventually it meant taking action earlier on, 486 00:22:54,119 --> 00:22:55,959 Speaker 1: you know, while you're pregnant, when once you find out 487 00:22:55,960 --> 00:22:57,960 Speaker 1: that you're having a kid. And so, yeah, my wife 488 00:22:57,960 --> 00:23:01,120 Speaker 1: and I have a similar sort of story, and investing 489 00:23:01,119 --> 00:23:03,399 Speaker 1: in real estate was kind of that. I think for 490 00:23:03,480 --> 00:23:05,240 Speaker 1: us it was like, Okay, if we buy a few 491 00:23:05,240 --> 00:23:07,879 Speaker 1: rental houses, this becomes like a part time job that 492 00:23:07,920 --> 00:23:10,200 Speaker 1: you don't have to have. This goal of you staying 493 00:23:10,200 --> 00:23:12,680 Speaker 1: at home with our kids is then a possibility, it's 494 00:23:12,680 --> 00:23:15,040 Speaker 1: a reality, can become a reality. And so yeah, I 495 00:23:15,080 --> 00:23:17,320 Speaker 1: love being able to have that discussion, get on the 496 00:23:17,359 --> 00:23:20,720 Speaker 1: same page, and then you're both motivated to move. And 497 00:23:20,760 --> 00:23:22,680 Speaker 1: it's not just like I want to have a no 498 00:23:22,800 --> 00:23:25,159 Speaker 1: fund zone in this house, you know, right exactly. I 499 00:23:25,160 --> 00:23:26,680 Speaker 1: mean it sounds like you and I kind of both 500 00:23:26,680 --> 00:23:29,440 Speaker 1: geeked out about the numbers or the goals, you know, like, hey, 501 00:23:29,440 --> 00:23:31,400 Speaker 1: I'm gonna get a rental property that will that will 502 00:23:31,440 --> 00:23:33,200 Speaker 1: be great. Are for me, I'm gonna pay off the 503 00:23:33,240 --> 00:23:35,640 Speaker 1: debt and that would be great, but for maybe for 504 00:23:35,720 --> 00:23:38,280 Speaker 1: your wife. For my wife, it was the emotional side 505 00:23:38,280 --> 00:23:39,520 Speaker 1: of things, like, well, what does that mean for me? 506 00:23:39,560 --> 00:23:42,200 Speaker 1: What's the payoff? Because I'll do that stuff, but why, 507 00:23:42,240 --> 00:23:44,320 Speaker 1: I mean, give me the reason why I would do that? 508 00:23:44,320 --> 00:23:46,600 Speaker 1: Because it's not easy. It's not easy to change what 509 00:23:46,640 --> 00:23:49,920 Speaker 1: you're used to doing. Um, So yeah, absolutely, I completely agree. 510 00:23:50,080 --> 00:23:52,320 Speaker 1: So Andy, you mentioned, you know, how you guys did 511 00:23:52,320 --> 00:23:55,560 Speaker 1: have actual disagreements. So when those came up, did you 512 00:23:55,600 --> 00:23:58,119 Speaker 1: just keep talking about them? Like? Obviously eventually you got 513 00:23:58,160 --> 00:23:59,760 Speaker 1: on the same page when it came to, you know, 514 00:23:59,760 --> 00:24:02,520 Speaker 1: get out of debt. But have there been instances where 515 00:24:02,560 --> 00:24:06,679 Speaker 1: you guys actually disagreed in fundamentally you just had to 516 00:24:07,040 --> 00:24:09,080 Speaker 1: agree to disagree, right, Like did you just keep talking 517 00:24:09,119 --> 00:24:11,000 Speaker 1: about it? How did you get past that? Yeah, that's 518 00:24:11,000 --> 00:24:13,439 Speaker 1: a great question. I think what I've learned over the 519 00:24:13,480 --> 00:24:16,040 Speaker 1: course of our marriage is that we have different views 520 00:24:16,040 --> 00:24:18,439 Speaker 1: on money. Not one of them is right or not 521 00:24:18,480 --> 00:24:21,520 Speaker 1: one of them is wrong. They're just different and that's okay. 522 00:24:21,600 --> 00:24:24,199 Speaker 1: Sometimes I like to spend more money on something and 523 00:24:24,240 --> 00:24:26,320 Speaker 1: she likes to spend more money on other things. Does 524 00:24:26,359 --> 00:24:29,640 Speaker 1: that mean that my mode of spending money is right 525 00:24:29,720 --> 00:24:32,360 Speaker 1: or wrong? No, it's just different. So we both grew 526 00:24:32,440 --> 00:24:34,800 Speaker 1: up in different fashions, you know. When we were younger, 527 00:24:35,160 --> 00:24:37,280 Speaker 1: she had her parents had different views on money. Mine 528 00:24:37,320 --> 00:24:39,840 Speaker 1: did too. But now we're together and we need to 529 00:24:39,840 --> 00:24:42,119 Speaker 1: figure out how that can work together. So we have 530 00:24:42,160 --> 00:24:45,520 Speaker 1: a lot of conversations on what my thoughts are with 531 00:24:45,560 --> 00:24:48,040 Speaker 1: regard to money and what her thoughts are with regard 532 00:24:48,040 --> 00:24:50,159 Speaker 1: to money, and then we work together to find that 533 00:24:50,200 --> 00:24:52,520 Speaker 1: middle ground on how we can make it work for 534 00:24:52,560 --> 00:24:56,240 Speaker 1: both of us for both of our goals. And quite often, 535 00:24:56,480 --> 00:24:59,280 Speaker 1: majority of the time our goals are in sync because 536 00:24:59,320 --> 00:25:00,920 Speaker 1: we got married. We love each other. A lot of 537 00:25:00,960 --> 00:25:02,520 Speaker 1: things that we do agree on. Right. We want to 538 00:25:02,520 --> 00:25:04,719 Speaker 1: spend more time with our family, we want to do 539 00:25:04,800 --> 00:25:08,440 Speaker 1: some great vacations. We want to ensure that we're protected. 540 00:25:09,320 --> 00:25:11,719 Speaker 1: These are all the high level goals that we all 541 00:25:11,960 --> 00:25:14,879 Speaker 1: you know, have together as as a married couple. But 542 00:25:14,960 --> 00:25:17,240 Speaker 1: it's how we get there, and those are some of 543 00:25:17,240 --> 00:25:20,960 Speaker 1: the ways that we found by working together and having 544 00:25:20,960 --> 00:25:24,359 Speaker 1: these conversations, we were able to find some harmony in 545 00:25:24,400 --> 00:25:26,840 Speaker 1: our marriage. But yes, there are definitely times that we've 546 00:25:27,480 --> 00:25:30,560 Speaker 1: run short on patients or run short on time, and 547 00:25:30,640 --> 00:25:34,520 Speaker 1: that's when we that's when we end up getting an arguments. Yeah, yeah, 548 00:25:34,600 --> 00:25:38,360 Speaker 1: and so arguments. You talk very openly about how marriage 549 00:25:38,400 --> 00:25:42,560 Speaker 1: counseling has really helped you guys, not just in your 550 00:25:42,560 --> 00:25:44,840 Speaker 1: marriage being able to communicate with one another, but also 551 00:25:45,000 --> 00:25:48,280 Speaker 1: being able to communicate well about money. And so what 552 00:25:48,320 --> 00:25:50,359 Speaker 1: would you say to folks out there, whether they're just 553 00:25:50,400 --> 00:25:53,080 Speaker 1: in a long term relationship, maybe in a new relationship 554 00:25:53,160 --> 00:25:55,399 Speaker 1: like or or in a marriage where they haven't been 555 00:25:55,400 --> 00:25:58,560 Speaker 1: able to talk well about these things. Is marriage counseling 556 00:25:58,560 --> 00:26:00,399 Speaker 1: a good solution for a lot of people blout there? 557 00:26:00,440 --> 00:26:02,160 Speaker 1: Or how do they get the ball rolling? I think 558 00:26:02,160 --> 00:26:04,760 Speaker 1: it's a great solution marriage counseling. But there's a lot 559 00:26:04,760 --> 00:26:06,199 Speaker 1: of things that you can do at home to to 560 00:26:06,200 --> 00:26:08,160 Speaker 1: try to figure these things out. And in the beginning, 561 00:26:08,200 --> 00:26:11,440 Speaker 1: so if you are just having money fights a lot 562 00:26:11,480 --> 00:26:14,080 Speaker 1: and you don't understand why, maybe go back to the 563 00:26:14,080 --> 00:26:16,840 Speaker 1: beginning and try to understand why did we get together, 564 00:26:16,920 --> 00:26:18,920 Speaker 1: what are the goals for our marriage, what are our 565 00:26:18,960 --> 00:26:22,119 Speaker 1: long term goals together? And sit down with your spouse 566 00:26:22,160 --> 00:26:24,400 Speaker 1: and try to figure those things out right, have a date, 567 00:26:24,560 --> 00:26:27,320 Speaker 1: you know, sit down to the couch distractions aside, put 568 00:26:27,320 --> 00:26:29,680 Speaker 1: the put the phone away, you know, go out where 569 00:26:29,680 --> 00:26:31,440 Speaker 1: the kids aren't going to be there, Maybe get a babysitter. 570 00:26:31,480 --> 00:26:33,879 Speaker 1: This is a serious conversation. Try to figure out what 571 00:26:33,920 --> 00:26:36,199 Speaker 1: those goals are in your life. Do you want to 572 00:26:36,200 --> 00:26:37,520 Speaker 1: stay at home with the kids. Do you want to 573 00:26:37,520 --> 00:26:40,359 Speaker 1: open your own business? Do you want to become an entrepreneur? 574 00:26:40,440 --> 00:26:42,000 Speaker 1: Do you want to quit your job that you hate? 575 00:26:42,280 --> 00:26:44,159 Speaker 1: Do you wanna get a new job? And it's going 576 00:26:44,200 --> 00:26:46,440 Speaker 1: to take some transition. What can you do to work 577 00:26:46,480 --> 00:26:50,720 Speaker 1: together to to to solve those goals and become a team. Right, 578 00:26:51,080 --> 00:26:54,760 Speaker 1: And then, like we talked about developing that budget, making 579 00:26:54,840 --> 00:26:57,440 Speaker 1: sure you are understanding where the numbers are coming from 580 00:26:57,560 --> 00:26:59,760 Speaker 1: so that you can then hit those goals. I know 581 00:26:59,840 --> 00:27:01,280 Speaker 1: you eys are a big fan of Zeta. That's a 582 00:27:01,320 --> 00:27:03,920 Speaker 1: really fun app to use to you know, have couples 583 00:27:03,960 --> 00:27:07,920 Speaker 1: work together on their money. And then yeah, I mean 584 00:27:08,080 --> 00:27:10,600 Speaker 1: it's okay to go to marriage counseling if you're having 585 00:27:10,600 --> 00:27:14,440 Speaker 1: trouble having these conversations. This is a professional that will 586 00:27:14,480 --> 00:27:17,480 Speaker 1: help you communicate better. I mean, it's the same thing 587 00:27:17,600 --> 00:27:20,400 Speaker 1: as going and getting a personal trainer. Right, you want 588 00:27:20,400 --> 00:27:22,000 Speaker 1: to be more healthy, you want to be more fit, 589 00:27:22,240 --> 00:27:24,520 Speaker 1: you bring in a third party to help you to 590 00:27:24,600 --> 00:27:27,320 Speaker 1: do that, right, And there's nothing wrong with that. So 591 00:27:27,400 --> 00:27:30,040 Speaker 1: when we started about a year maybe a year and 592 00:27:30,080 --> 00:27:32,679 Speaker 1: a half ago, there was a little bit something in 593 00:27:32,720 --> 00:27:35,280 Speaker 1: my brain being like, man, I thought, only people who 594 00:27:35,520 --> 00:27:37,639 Speaker 1: you know are having trouble in their marriage go to 595 00:27:37,680 --> 00:27:40,240 Speaker 1: marriage counselors, right, And then as I went from my 596 00:27:40,280 --> 00:27:42,400 Speaker 1: first session in the second session, I'm like, Wow, this 597 00:27:42,480 --> 00:27:44,560 Speaker 1: is great. This is like a coach man, this is 598 00:27:44,640 --> 00:27:47,200 Speaker 1: this person is helping us figure out how to communicate 599 00:27:47,240 --> 00:27:50,480 Speaker 1: better because we're busy parents. We've got two young kids 600 00:27:50,600 --> 00:27:53,119 Speaker 1: under seven years old that take up a lot of 601 00:27:53,119 --> 00:27:55,200 Speaker 1: our time, and we were running from place to place. 602 00:27:55,240 --> 00:27:57,560 Speaker 1: I'm going to work, I'm doing my side hustle, and 603 00:27:57,560 --> 00:28:01,400 Speaker 1: we're not spending the quality time and the function for 604 00:28:01,440 --> 00:28:03,239 Speaker 1: our communication. And this person is going to help us 605 00:28:03,240 --> 00:28:05,679 Speaker 1: do it. So it has been the best decision that 606 00:28:05,720 --> 00:28:08,800 Speaker 1: we've made for our marriage and the last ten years 607 00:28:08,840 --> 00:28:12,160 Speaker 1: of our marriage. So yeah, no, I completely agree with it. Yeah, 608 00:28:12,240 --> 00:28:14,720 Speaker 1: And I think there is that stigma, right that only 609 00:28:14,800 --> 00:28:17,800 Speaker 1: people that are in rough marital times go to marriage counseling. 610 00:28:17,880 --> 00:28:20,480 Speaker 1: But we have to break that because it's just not true, 611 00:28:20,640 --> 00:28:23,640 Speaker 1: and it can help us, especially when things are kind 612 00:28:23,640 --> 00:28:26,120 Speaker 1: of crazy or we've moved into a new life stage 613 00:28:26,560 --> 00:28:29,720 Speaker 1: to be able to begin to communicate with one another 614 00:28:30,000 --> 00:28:32,639 Speaker 1: where we're at. It might be easier in your early 615 00:28:32,680 --> 00:28:34,840 Speaker 1: twenties or your mid twenties or whatever, when you're kind 616 00:28:34,880 --> 00:28:37,240 Speaker 1: of first falling in love and all that stuff. You 617 00:28:37,320 --> 00:28:39,200 Speaker 1: have one set of issues to work through, and then 618 00:28:39,440 --> 00:28:41,920 Speaker 1: you get into your mid thirties and then there's another set, 619 00:28:42,000 --> 00:28:44,120 Speaker 1: especially when you have young kids running around, and so 620 00:28:44,160 --> 00:28:47,000 Speaker 1: I think with every stage, maybe that's another call for 621 00:28:47,040 --> 00:28:50,200 Speaker 1: people to consider talking to someone if they're having a 622 00:28:50,320 --> 00:28:54,440 Speaker 1: communication issues, which is not abnormal. By the way, Oh, 623 00:28:54,520 --> 00:28:56,880 Speaker 1: there's no book. There's no book for being in marriage, man, 624 00:28:56,920 --> 00:29:00,320 Speaker 1: there's no like, there's no handbook, Like nobody knows efically 625 00:29:00,360 --> 00:29:02,320 Speaker 1: how to do this. But getting a coach to help 626 00:29:02,320 --> 00:29:04,120 Speaker 1: you to do that is is a fantastic way to 627 00:29:04,120 --> 00:29:05,880 Speaker 1: go absolutely And it makes me think of going to 628 00:29:05,880 --> 00:29:07,640 Speaker 1: the doctor, right, Like, you don't only go to the 629 00:29:07,680 --> 00:29:10,160 Speaker 1: doctor when you're sick or when something terrible is is 630 00:29:10,200 --> 00:29:14,920 Speaker 1: actually happening in your body. You go hopefully regularly periodically 631 00:29:15,000 --> 00:29:16,920 Speaker 1: just to make sure things are looking good and get 632 00:29:16,960 --> 00:29:19,120 Speaker 1: that check out. I think that's a great point too, 633 00:29:19,120 --> 00:29:21,040 Speaker 1: And I think there's a there's a shift in our 634 00:29:21,080 --> 00:29:24,880 Speaker 1: culture right now towards not only just thinking about physical health, 635 00:29:25,120 --> 00:29:28,080 Speaker 1: but also thinking about mental health. With this wave of 636 00:29:28,600 --> 00:29:32,800 Speaker 1: yoga and meditation and yes, therapy and counseling. I think 637 00:29:32,840 --> 00:29:34,880 Speaker 1: it is so important for people to think about the 638 00:29:34,880 --> 00:29:37,760 Speaker 1: importance of mental health, not only personally, but also for 639 00:29:37,800 --> 00:29:40,440 Speaker 1: their marriage. So I think it's great if people go 640 00:29:40,560 --> 00:29:43,240 Speaker 1: and work on the things that are most effective for 641 00:29:43,280 --> 00:29:45,520 Speaker 1: their health, and that's that's their mental health. And if 642 00:29:45,520 --> 00:29:50,920 Speaker 1: we're specifically talking here too about preventing money fights, money arguments, 643 00:29:51,280 --> 00:29:53,600 Speaker 1: then I think one thing that I've heard you mentioned 644 00:29:53,640 --> 00:29:57,080 Speaker 1: before is that the marriage marriage counselor has helped you, guys, 645 00:29:57,120 --> 00:30:00,720 Speaker 1: figure out the underlying concerns that you have when it 646 00:30:00,720 --> 00:30:04,440 Speaker 1: comes to money. And so it's not just that I 647 00:30:04,480 --> 00:30:06,040 Speaker 1: want one thing and you want the other and we're 648 00:30:06,080 --> 00:30:09,120 Speaker 1: at odds, but it's helping your marriage counselor has helped 649 00:30:09,160 --> 00:30:12,800 Speaker 1: you understand the baseline feelings that you're coming into this 650 00:30:12,880 --> 00:30:14,880 Speaker 1: with and it's not necessarily that you're at odds, right, 651 00:30:14,920 --> 00:30:16,920 Speaker 1: So can you tell us a little more about that. 652 00:30:16,920 --> 00:30:18,600 Speaker 1: That's a great point. And I think the one of 653 00:30:18,600 --> 00:30:21,200 Speaker 1: the arguments that keeps on coming back or has come 654 00:30:21,240 --> 00:30:23,000 Speaker 1: back for us, and now we know how to you know, 655 00:30:23,080 --> 00:30:26,160 Speaker 1: really deal with it is sometimes I will want to 656 00:30:26,200 --> 00:30:28,400 Speaker 1: save for the future, right and you know, you know, 657 00:30:28,560 --> 00:30:31,120 Speaker 1: we talk about these financial goals all the time, putting 658 00:30:31,120 --> 00:30:33,600 Speaker 1: money in our wrath I ra or max and out 659 00:30:33,600 --> 00:30:35,680 Speaker 1: the four oh one Katie's big goals, and that those 660 00:30:35,720 --> 00:30:39,200 Speaker 1: things make me feel good because that helps me feel 661 00:30:39,240 --> 00:30:42,360 Speaker 1: like I'm protecting our family and giving them a great 662 00:30:42,400 --> 00:30:46,080 Speaker 1: life for the future. And Nicole also likes to use 663 00:30:46,080 --> 00:30:48,920 Speaker 1: our money for fun things to you know, to to 664 00:30:49,000 --> 00:30:51,959 Speaker 1: go on vacations, to make our home look beautiful. And 665 00:30:52,040 --> 00:30:53,880 Speaker 1: sometimes when I'm in a rut, you know, or I'm 666 00:30:53,880 --> 00:30:56,719 Speaker 1: not thinking clearly, I'm thinking, Okay, she gets mad at 667 00:30:56,720 --> 00:30:58,680 Speaker 1: me when I'm saving, and I get mad at her 668 00:30:58,680 --> 00:31:00,920 Speaker 1: when she's spending. But really, if you break down the 669 00:31:01,080 --> 00:31:04,680 Speaker 1: root of it, she's not spending just because it's it's 670 00:31:04,720 --> 00:31:07,480 Speaker 1: you know, wild and crazy. It's like she's spending money 671 00:31:07,520 --> 00:31:09,880 Speaker 1: because she wants to create a beautiful home for us, 672 00:31:10,280 --> 00:31:12,440 Speaker 1: and how could somebody get mad at that? And then 673 00:31:12,520 --> 00:31:15,960 Speaker 1: for me, I'm I'm saving money on on this side 674 00:31:16,520 --> 00:31:18,640 Speaker 1: because I really want to protect our family. And if 675 00:31:18,680 --> 00:31:21,760 Speaker 1: you look at those those roots, those the purpose of 676 00:31:21,800 --> 00:31:24,920 Speaker 1: those actions, neither one of us can really get upset 677 00:31:25,000 --> 00:31:27,120 Speaker 1: with each other when you boil it down like that. 678 00:31:27,240 --> 00:31:30,360 Speaker 1: But when you're running around and your frantic, and I'm thinking, oh, 679 00:31:30,400 --> 00:31:32,200 Speaker 1: she doesn't want me to save because she wants me 680 00:31:32,280 --> 00:31:34,920 Speaker 1: to always you know, not be able to grow into 681 00:31:35,040 --> 00:31:38,560 Speaker 1: a career or do my entrepreneurial thing, and and she's 682 00:31:38,600 --> 00:31:40,360 Speaker 1: thinking about me always. He just wants to save. You 683 00:31:40,400 --> 00:31:42,080 Speaker 1: just want to wants me to penny pinch. He doesn't 684 00:31:42,080 --> 00:31:44,360 Speaker 1: want me to have fun. That's that's when you get 685 00:31:44,440 --> 00:31:46,520 Speaker 1: mad and upset. But if you really think about the 686 00:31:46,640 --> 00:31:48,960 Speaker 1: root of the of the cause, or really very the 687 00:31:49,080 --> 00:31:52,840 Speaker 1: root of the action, then you'll understand there's no evil 688 00:31:52,960 --> 00:31:56,640 Speaker 1: motivation here. These are pure actions that people just your 689 00:31:56,680 --> 00:31:58,840 Speaker 1: your spouse wants wants to do to make sure that 690 00:31:58,880 --> 00:32:01,840 Speaker 1: you're having a great life. And our counselor definitely helped 691 00:32:01,920 --> 00:32:04,240 Speaker 1: us to figure that out. And there's you know, I say, 692 00:32:04,360 --> 00:32:06,240 Speaker 1: I say the spending and the saving thing. I also 693 00:32:06,280 --> 00:32:08,719 Speaker 1: like spending on you know, like I said, kids activities. 694 00:32:08,720 --> 00:32:11,480 Speaker 1: She likes to save when it's worth regard to like 695 00:32:11,520 --> 00:32:13,960 Speaker 1: going out on meals and things like that. So we're 696 00:32:13,960 --> 00:32:16,000 Speaker 1: spenders and savers in different areas. So it's just kind 697 00:32:16,000 --> 00:32:18,320 Speaker 1: of a different way of looking at things. But no, 698 00:32:18,520 --> 00:32:20,920 Speaker 1: definitely has helped us out quite a bit. So what 699 00:32:20,960 --> 00:32:23,160 Speaker 1: I'm hearing though, is that your counselor has allowed you, 700 00:32:23,200 --> 00:32:26,479 Speaker 1: guys to basically refocus and realize that your goals are 701 00:32:26,480 --> 00:32:28,560 Speaker 1: actually the same and you're able to do that. It 702 00:32:28,560 --> 00:32:31,240 Speaker 1: sounds like through communication, what are the tools has that 703 00:32:31,320 --> 00:32:34,000 Speaker 1: counselor allows you, guys to you know, move forward in 704 00:32:34,040 --> 00:32:36,360 Speaker 1: your relationship to grow. Yeah. I would love to hear 705 00:32:36,400 --> 00:32:39,280 Speaker 1: some more of those. Yeah. Absolutely. Um. You know, a 706 00:32:39,320 --> 00:32:43,160 Speaker 1: great activity that we've done through the marriage counseling is 707 00:32:43,920 --> 00:32:48,600 Speaker 1: recognizing when our spouses do something incredible in our lives, 708 00:32:48,640 --> 00:32:51,680 Speaker 1: and she calls it making time for appreciation and making 709 00:32:51,680 --> 00:32:54,600 Speaker 1: sure your spouse has time for that appreciation. So sometimes 710 00:32:54,640 --> 00:32:58,440 Speaker 1: it feels a little funny, but being able to stop 711 00:32:58,560 --> 00:33:02,320 Speaker 1: your spouse in their track as they've done something really 712 00:33:02,360 --> 00:33:04,840 Speaker 1: great for you and asking do you have time for 713 00:33:04,880 --> 00:33:08,280 Speaker 1: my appreciation? And if they are available, if the kid's 714 00:33:08,320 --> 00:33:10,080 Speaker 1: not hanging on their leg or if they're not running 715 00:33:10,120 --> 00:33:12,280 Speaker 1: to work or whatever like that, then you know, you 716 00:33:12,320 --> 00:33:14,640 Speaker 1: say yes, and you sit down with them and you 717 00:33:14,680 --> 00:33:16,520 Speaker 1: look them in the eyes and you tell them. I 718 00:33:16,560 --> 00:33:19,040 Speaker 1: would say exactly what my wife did did for me 719 00:33:19,080 --> 00:33:22,600 Speaker 1: the other day. I said, sweetheart, I really appreciated as 720 00:33:22,640 --> 00:33:24,520 Speaker 1: I was running and trying to make it to work 721 00:33:24,560 --> 00:33:26,600 Speaker 1: that you made me breakfast. That just made me feel 722 00:33:26,640 --> 00:33:28,920 Speaker 1: like you care about me and that you love me 723 00:33:29,400 --> 00:33:32,160 Speaker 1: and I love you and just taking whatever that five 724 00:33:32,200 --> 00:33:34,800 Speaker 1: to ten seconds to do that when those things happen, 725 00:33:35,400 --> 00:33:38,040 Speaker 1: can go miles in your marriage. And she does that 726 00:33:38,120 --> 00:33:41,840 Speaker 1: for me too. Hey, I see you working really hard 727 00:33:41,920 --> 00:33:44,440 Speaker 1: at work and it makes me feel like you really 728 00:33:44,520 --> 00:33:48,000 Speaker 1: care about this family. Thank you. And I'm a words 729 00:33:48,000 --> 00:33:51,120 Speaker 1: of affirmation guy. You know, five love five love languages, 730 00:33:51,120 --> 00:33:53,800 Speaker 1: So that really fills me up when I hear things 731 00:33:53,800 --> 00:33:56,600 Speaker 1: like that. But you know, little activities like that that 732 00:33:56,680 --> 00:34:00,400 Speaker 1: you can insert in your marriage, your daily activity as 733 00:34:00,440 --> 00:34:03,480 Speaker 1: being a you know, a married person can really make 734 00:34:03,520 --> 00:34:06,440 Speaker 1: your relationship a great place to be in. That's cool, man, 735 00:34:06,480 --> 00:34:08,359 Speaker 1: That's really cool. And by the way, I think right 736 00:34:08,400 --> 00:34:10,600 Speaker 1: now we need to stop and say Andy, you're being 737 00:34:10,600 --> 00:34:13,000 Speaker 1: a really good podcast guest, so thank you for that. 738 00:34:13,440 --> 00:34:17,359 Speaker 1: You know, the words of affirmation guy, all I got 739 00:34:17,400 --> 00:34:20,680 Speaker 1: another question for you that you mentioned budget parties, which 740 00:34:21,080 --> 00:34:24,360 Speaker 1: is such a cool concept when we can reframe something 741 00:34:24,480 --> 00:34:27,960 Speaker 1: that is typically boring, mundane, something that people avoid altogether. 742 00:34:28,239 --> 00:34:31,919 Speaker 1: But you've created budgets, uh, and talking about budgets as 743 00:34:32,000 --> 00:34:35,160 Speaker 1: a family to be something that's cool and fun and different. 744 00:34:35,400 --> 00:34:38,040 Speaker 1: Tell us kind of how how you do budget parties 745 00:34:38,040 --> 00:34:40,520 Speaker 1: and how maybe people can incorporate something like that into 746 00:34:40,520 --> 00:34:43,799 Speaker 1: their lives. Sounds good. Yeah. So originally I created the 747 00:34:43,880 --> 00:34:46,200 Speaker 1: name almost ingest because I knew that she was not 748 00:34:46,280 --> 00:34:48,680 Speaker 1: excited about doing the budget. So I essentially just put 749 00:34:48,680 --> 00:34:50,399 Speaker 1: the word party at the end to try to trick 750 00:34:50,440 --> 00:34:53,400 Speaker 1: her to show up. And it works. But you know, 751 00:34:53,440 --> 00:34:57,040 Speaker 1: in the beginning, we were doing pizza and beer and 752 00:34:57,080 --> 00:35:00,280 Speaker 1: you know, wine, and you know, setting aside some evening 753 00:35:00,320 --> 00:35:04,080 Speaker 1: for us to have fun and do it sometimes. Ah 754 00:35:04,200 --> 00:35:05,840 Speaker 1: well we did. We did do a piniata when we 755 00:35:05,840 --> 00:35:08,799 Speaker 1: paid off the page. Okay, okay, oh nice. We we 756 00:35:08,800 --> 00:35:11,719 Speaker 1: actually made a paper machee pinata out of the out 757 00:35:11,719 --> 00:35:13,239 Speaker 1: of the mortgage papers, which was a lot of fun. 758 00:35:13,360 --> 00:35:17,040 Speaker 1: Oh that's awesome. But you know, so we um we 759 00:35:17,080 --> 00:35:19,799 Speaker 1: get together once a month and the goal of it 760 00:35:19,880 --> 00:35:23,000 Speaker 1: really is to review our spending from the previous month, 761 00:35:23,040 --> 00:35:26,279 Speaker 1: our current spending. And then also we take advantage of 762 00:35:26,320 --> 00:35:28,640 Speaker 1: this as sort of a marriage meeting, so it's not 763 00:35:28,719 --> 00:35:31,360 Speaker 1: just about money. It's sort of veiled in this budget 764 00:35:31,360 --> 00:35:33,680 Speaker 1: party meeting, but we also talk about what are our 765 00:35:33,719 --> 00:35:36,640 Speaker 1: plans for the month, you know, what are our vacations 766 00:35:36,640 --> 00:35:39,520 Speaker 1: that are coming up, what school activities do the kids 767 00:35:39,560 --> 00:35:42,480 Speaker 1: have that you know, we want to be at. This 768 00:35:42,560 --> 00:35:44,759 Speaker 1: is sort of our monthly check in because we have 769 00:35:44,800 --> 00:35:47,120 Speaker 1: such a crazy life that we need this time to 770 00:35:47,160 --> 00:35:49,439 Speaker 1: sit down for two or three hours and really talk 771 00:35:49,520 --> 00:35:51,920 Speaker 1: about what our month's going to be about and how 772 00:35:51,960 --> 00:35:54,520 Speaker 1: we want to direct our money so that we're hitting 773 00:35:54,560 --> 00:35:56,920 Speaker 1: those goals that we're really excited about in our life. 774 00:35:57,160 --> 00:35:59,919 Speaker 1: So we've been doing this for yeah, we've been married 775 00:36:00,160 --> 00:36:01,959 Speaker 1: nine years now. We've been doing it for at least 776 00:36:02,000 --> 00:36:05,600 Speaker 1: eight and it's really helped us every month for the 777 00:36:05,600 --> 00:36:08,520 Speaker 1: past eight years to get together and make sure we're 778 00:36:08,719 --> 00:36:11,680 Speaker 1: in sync. And uh, you know, if we can't find 779 00:36:11,760 --> 00:36:14,040 Speaker 1: time to do it at home because the kids are 780 00:36:14,280 --> 00:36:16,880 Speaker 1: are wild and crazy, sometimes we'll take it to like 781 00:36:16,880 --> 00:36:19,279 Speaker 1: a kid play place where they've got the you know, 782 00:36:19,320 --> 00:36:21,719 Speaker 1: the jungle gym and the slides and things like that. 783 00:36:21,719 --> 00:36:23,719 Speaker 1: They'll run around while we're doing the budget, or we've 784 00:36:23,760 --> 00:36:26,279 Speaker 1: even taken it to a restaurant on a date and 785 00:36:26,520 --> 00:36:28,160 Speaker 1: you know, get the laptop of the receipts. People look 786 00:36:28,160 --> 00:36:32,680 Speaker 1: at us kind of funny, but exactly totally those nerds. 787 00:36:33,400 --> 00:36:35,680 Speaker 1: But we're planning our plan in our month, and you know, 788 00:36:35,719 --> 00:36:37,799 Speaker 1: we're really planning on how we want to you know, 789 00:36:37,840 --> 00:36:41,400 Speaker 1: focus on our marriage. So it's it works. If my 790 00:36:41,440 --> 00:36:44,080 Speaker 1: wife hears about the whole party thing, she might kind 791 00:36:44,080 --> 00:36:45,520 Speaker 1: of find a way to convince me to do a 792 00:36:45,560 --> 00:36:48,600 Speaker 1: shower cleaning party. There you go later on this week. 793 00:36:48,680 --> 00:36:51,560 Speaker 1: So exactly, you just add party to anything and then 794 00:36:51,800 --> 00:36:53,960 Speaker 1: you're like, oh, well, what is it? Oh? Right here, 795 00:36:54,040 --> 00:36:57,360 Speaker 1: I guess I have to do it. All right, lady, 796 00:36:57,360 --> 00:36:58,839 Speaker 1: We've got a few more questions for you, and we'll 797 00:36:58,840 --> 00:37:09,840 Speaker 1: get to those right after the break. All right, Andy, 798 00:37:10,120 --> 00:37:12,080 Speaker 1: let's talk about podcasting for a second. You've been doing 799 00:37:12,080 --> 00:37:13,799 Speaker 1: that for a couple of years now, you know, maybe 800 00:37:13,880 --> 00:37:16,160 Speaker 1: a year longer than we've been doing it. Why did 801 00:37:16,200 --> 00:37:19,080 Speaker 1: you start sort of the side hustle for yourself? You know, 802 00:37:19,080 --> 00:37:21,440 Speaker 1: how's it going for you? Oh? It is great. You know, 803 00:37:21,560 --> 00:37:23,520 Speaker 1: it's sort of stemmed off of some of our original 804 00:37:23,520 --> 00:37:26,680 Speaker 1: conversation about me looking for that that entrepreneurial drive or 805 00:37:26,680 --> 00:37:30,480 Speaker 1: that creative thing to do. And it has been going great. 806 00:37:30,560 --> 00:37:32,840 Speaker 1: You know, in the beginning, I started off, I just 807 00:37:32,880 --> 00:37:35,840 Speaker 1: wanted to create something that that I would enjoy listening 808 00:37:35,880 --> 00:37:37,799 Speaker 1: to and then maybe you know, a couple of people 809 00:37:37,840 --> 00:37:39,440 Speaker 1: would listen to. So in the beginning it was like, 810 00:37:39,840 --> 00:37:42,359 Speaker 1: you know, my brother in law and my mom and 811 00:37:42,400 --> 00:37:44,520 Speaker 1: my and my wife listening to it like that was 812 00:37:44,560 --> 00:37:46,799 Speaker 1: really nice, honey, way to go, you know, good job. 813 00:37:47,440 --> 00:37:50,680 Speaker 1: And then slowly but surely, then my uncle would listen, 814 00:37:50,760 --> 00:37:52,640 Speaker 1: and then they didn't share it with people, and then 815 00:37:52,640 --> 00:37:55,160 Speaker 1: it kind of started rolling from there, and then, you know, 816 00:37:55,360 --> 00:37:58,319 Speaker 1: three years later, now it's it's doing pretty well. It's 817 00:37:58,400 --> 00:38:01,839 Speaker 1: gone from a fun hobby to side hustle that makes 818 00:38:01,840 --> 00:38:04,279 Speaker 1: a little bit of money now to side hustle that 819 00:38:04,400 --> 00:38:06,680 Speaker 1: makes a pretty good amount of money, and and like 820 00:38:06,760 --> 00:38:09,160 Speaker 1: with the future of like, hey, could I just do this, 821 00:38:09,400 --> 00:38:11,759 Speaker 1: you know, and it's it's pretty exciting. It's pretty wild, 822 00:38:12,040 --> 00:38:15,160 Speaker 1: and mostly outside of the money side of things, the 823 00:38:15,200 --> 00:38:18,600 Speaker 1: conversations I've been able to have have been life changing. 824 00:38:18,600 --> 00:38:21,360 Speaker 1: And I'm not putting a hyperbole out there. I have 825 00:38:21,480 --> 00:38:25,760 Speaker 1: never been able to speak to so many incredible people 826 00:38:25,920 --> 00:38:28,880 Speaker 1: with incredible stories that have motivated me in my life 827 00:38:29,239 --> 00:38:31,600 Speaker 1: for the exact position that I'm in, and it's um 828 00:38:31,640 --> 00:38:33,600 Speaker 1: it's something that is probably one of the best things 829 00:38:33,640 --> 00:38:35,399 Speaker 1: I've ever done in my life. I'll be honest with you, 830 00:38:35,760 --> 00:38:37,880 Speaker 1: so obviously, I mean, we have guests on occasionally, we're 831 00:38:37,920 --> 00:38:40,080 Speaker 1: kind of getting more into that format. Andy, you have 832 00:38:40,280 --> 00:38:42,440 Speaker 1: guests on a good bit. Do you have a favorite 833 00:38:42,440 --> 00:38:44,880 Speaker 1: episode where you have somebody on that you know, maybe 834 00:38:44,960 --> 00:38:48,880 Speaker 1: you feel like impacted you the most personally? Wow, I 835 00:38:48,920 --> 00:38:50,960 Speaker 1: guess a few things pop into my mind every every 836 00:38:50,960 --> 00:38:53,520 Speaker 1: fifty episodes, I have my family on just to kind 837 00:38:53,520 --> 00:38:56,239 Speaker 1: of remind me of why I'm doing this. And I've 838 00:38:56,239 --> 00:38:58,720 Speaker 1: had some really great conversations not only with my kids 839 00:38:58,719 --> 00:39:01,279 Speaker 1: but with my wife. And that's a fun tradition that 840 00:39:01,320 --> 00:39:03,400 Speaker 1: I'm gonna continue doing. And I'm coming up on episode 841 00:39:03,600 --> 00:39:06,280 Speaker 1: D fifties, so I'll be doing that again. A segment 842 00:39:06,320 --> 00:39:08,320 Speaker 1: that I started recently, which is also fun because you 843 00:39:08,320 --> 00:39:10,080 Speaker 1: can just create segments when you when you have a 844 00:39:10,120 --> 00:39:13,000 Speaker 1: podcast like now, I've got this segment, a segment that 845 00:39:13,040 --> 00:39:17,319 Speaker 1: I or you can kill segments. Well, uh, something that 846 00:39:17,360 --> 00:39:20,480 Speaker 1: I've been working on personally in our financial journey is 847 00:39:20,640 --> 00:39:23,560 Speaker 1: giving more. And I know that's um, you know, something 848 00:39:23,600 --> 00:39:25,680 Speaker 1: that's not always like the hottest topic when you're talking 849 00:39:25,680 --> 00:39:28,400 Speaker 1: about personal finance, but it's something that I felt like 850 00:39:28,520 --> 00:39:31,759 Speaker 1: was lacking in our lives. In twenty seventeen, we only 851 00:39:31,800 --> 00:39:34,560 Speaker 1: gave you know, one percent of our of our income 852 00:39:34,560 --> 00:39:36,239 Speaker 1: to charity. And that's something that I wanted to grow. 853 00:39:36,600 --> 00:39:38,920 Speaker 1: So I started a segment on the show called the 854 00:39:38,920 --> 00:39:42,719 Speaker 1: Give Jar, and the purpose of that was to interview 855 00:39:43,640 --> 00:39:47,480 Speaker 1: charities and organizations that I have a mission to help 856 00:39:47,600 --> 00:39:50,520 Speaker 1: kids have a better life. So every quarter now, I've 857 00:39:50,560 --> 00:39:53,719 Speaker 1: been interviewing charities that have that mission and the purposes 858 00:39:53,960 --> 00:39:57,920 Speaker 1: to help me become more charitable and to share with 859 00:39:58,080 --> 00:40:01,400 Speaker 1: my audience about how there are great organizations out there 860 00:40:01,440 --> 00:40:05,440 Speaker 1: that are doing incredible things that that really bring inspiration 861 00:40:06,040 --> 00:40:08,000 Speaker 1: and can motivate you to be the change that you 862 00:40:08,000 --> 00:40:10,600 Speaker 1: want to see in this world. So I've had those 863 00:40:10,840 --> 00:40:13,960 Speaker 1: interviews lately and they've really inspired me. I've had the 864 00:40:14,040 --> 00:40:17,120 Speaker 1: representatives from Together We Rise, it's an organization that helps 865 00:40:17,160 --> 00:40:20,560 Speaker 1: kids in foster care. I'm shortly going to have a 866 00:40:20,680 --> 00:40:24,040 Speaker 1: thorn on my my show to talk about how they're 867 00:40:24,080 --> 00:40:28,400 Speaker 1: defending children from uh sex trafficking on on digital with 868 00:40:28,440 --> 00:40:30,759 Speaker 1: their digital powers that they have. And then I'm also 869 00:40:30,760 --> 00:40:33,680 Speaker 1: going to have Nicole Hockley from Sandy Hook promise to 870 00:40:33,680 --> 00:40:36,800 Speaker 1: talk about how they're protecting kids in school from um, 871 00:40:36,840 --> 00:40:40,000 Speaker 1: you know, from being in these horrible situations that they've 872 00:40:40,040 --> 00:40:43,000 Speaker 1: been in, especially with the Sandy Hook tragedy that happened. 873 00:40:43,040 --> 00:40:46,200 Speaker 1: So those have been the most inspiring conversations are the 874 00:40:46,200 --> 00:40:48,399 Speaker 1: ones that I'm about to have to that really bring 875 00:40:48,400 --> 00:40:49,880 Speaker 1: me a lot of joy. Yes, it's a lot of 876 00:40:49,880 --> 00:40:52,560 Speaker 1: fun to talk with the multimillionaires about how they became 877 00:40:52,680 --> 00:40:56,759 Speaker 1: multimillionaires and the parents that are just became debt free 878 00:40:56,760 --> 00:40:59,080 Speaker 1: and how they did that. Those are really inspiring stories, 879 00:40:59,440 --> 00:41:01,200 Speaker 1: but a per sly in my mission right now, I'm 880 00:41:01,239 --> 00:41:02,880 Speaker 1: trying to learn how to become a better giver and 881 00:41:02,920 --> 00:41:05,080 Speaker 1: those uh conversations are really helping me to do that. 882 00:41:05,680 --> 00:41:07,800 Speaker 1: Very cool. Yeah, that's cool, and thanks for that insight 883 00:41:08,280 --> 00:41:11,800 Speaker 1: also in forming this podcast. In starting your own small business. 884 00:41:12,080 --> 00:41:16,560 Speaker 1: Besides these great conversations, what would you say is maybe 885 00:41:16,640 --> 00:41:19,160 Speaker 1: the top one or two things that you've learned in 886 00:41:19,360 --> 00:41:23,359 Speaker 1: getting a side hustle off the ground? Great question. This 887 00:41:23,440 --> 00:41:25,600 Speaker 1: was the first time that I really did anything that 888 00:41:25,680 --> 00:41:30,120 Speaker 1: was a non you know, employee specific work, right, So 889 00:41:30,200 --> 00:41:33,239 Speaker 1: that was brand new to it. So trying to get 890 00:41:33,280 --> 00:41:36,960 Speaker 1: yourself out there creating an interesting content. There are so 891 00:41:37,000 --> 00:41:39,320 Speaker 1: many legs to the stool of trying to build a business, 892 00:41:39,360 --> 00:41:41,600 Speaker 1: and I took those for granted. You know, when you're 893 00:41:41,640 --> 00:41:44,920 Speaker 1: at work, you get the paycheck. Uh, there's a sales department, 894 00:41:44,960 --> 00:41:47,319 Speaker 1: there's a marketing department, there's an HR department. Now, when 895 00:41:47,320 --> 00:41:49,839 Speaker 1: you're doing your own little small business, you are everything, right. 896 00:41:50,239 --> 00:41:52,320 Speaker 1: So some of the things that I've learned throughout the 897 00:41:52,360 --> 00:41:56,279 Speaker 1: process is take the skills that you've already learned in 898 00:41:56,280 --> 00:41:59,160 Speaker 1: your life, Andy, and then bring those to your small business. 899 00:41:59,200 --> 00:42:02,400 Speaker 1: So I have a back ground in sales and account management. 900 00:42:02,840 --> 00:42:05,680 Speaker 1: So take advantage of your strength. If you want to 901 00:42:05,680 --> 00:42:07,960 Speaker 1: bring sponsors on the show, or if you want to 902 00:42:08,160 --> 00:42:11,040 Speaker 1: entice a really interesting guest to come on, use those 903 00:42:11,080 --> 00:42:14,680 Speaker 1: sales and communication skills, because that is the best way 904 00:42:14,680 --> 00:42:16,200 Speaker 1: you're gonna be able to move forward. I mean, it's 905 00:42:16,200 --> 00:42:18,719 Speaker 1: not gonna be with Hey, You're you're magically gonna be 906 00:42:18,719 --> 00:42:20,279 Speaker 1: great at s c O. Andy, No, you don't even 907 00:42:20,320 --> 00:42:22,759 Speaker 1: know what s C O stands for like so so 908 00:42:22,760 --> 00:42:25,000 Speaker 1: so so focus on where your skills are. And that's 909 00:42:25,000 --> 00:42:26,799 Speaker 1: what I've been trying to do from the beginning, and 910 00:42:26,840 --> 00:42:29,360 Speaker 1: a big part of that is trying to create friends 911 00:42:29,560 --> 00:42:33,080 Speaker 1: and community. And I think um by bringing people on 912 00:42:33,160 --> 00:42:36,760 Speaker 1: the show, talking to them about their story and really 913 00:42:36,800 --> 00:42:41,480 Speaker 1: providing my true attention and having a great conversation with them, 914 00:42:41,560 --> 00:42:44,440 Speaker 1: I think that's helped me to create an interesting podcast 915 00:42:44,440 --> 00:42:46,839 Speaker 1: that people like listening to. So ay, so your shore. 916 00:42:46,920 --> 00:42:49,919 Speaker 1: Let's take a step back. Obviously, marriage and kids are 917 00:42:50,400 --> 00:42:53,319 Speaker 1: hugely important to you. For folks who maybe are not 918 00:42:53,440 --> 00:42:56,040 Speaker 1: married and don't have kids, like, how would you recommend 919 00:42:56,120 --> 00:42:59,560 Speaker 1: to them to discover their why? Like we talked about 920 00:42:59,560 --> 00:43:02,200 Speaker 1: the why behind our money, it sounds like for for 921 00:43:02,280 --> 00:43:05,520 Speaker 1: your family, like, those are two huge goals, two huge 922 00:43:05,640 --> 00:43:08,120 Speaker 1: things that you consider when you're saving your money. But 923 00:43:08,239 --> 00:43:10,080 Speaker 1: for those who don't have those, Yeah, how do you 924 00:43:10,440 --> 00:43:13,600 Speaker 1: recommend to folks to sort of do some soul searching 925 00:43:13,640 --> 00:43:15,799 Speaker 1: basically and for them to figure out what it is 926 00:43:15,800 --> 00:43:18,320 Speaker 1: that they're actually you know, saving and investing their money towards. 927 00:43:18,719 --> 00:43:21,279 Speaker 1: I think that's a that's an awesome question, and I 928 00:43:21,320 --> 00:43:24,759 Speaker 1: think it starts by asking yourself some questions, right, So 929 00:43:25,440 --> 00:43:28,239 Speaker 1: some of these very big esoteric questions that you could 930 00:43:28,239 --> 00:43:30,960 Speaker 1: ask yourself. Essentially, if you had all the money in 931 00:43:31,000 --> 00:43:33,880 Speaker 1: the world, what would you do with your day? You 932 00:43:33,960 --> 00:43:36,800 Speaker 1: start asking yourself big questions like that, you start to 933 00:43:36,840 --> 00:43:40,200 Speaker 1: find out what your internal motivation is. Right, I would 934 00:43:40,640 --> 00:43:44,920 Speaker 1: volunteer with X organization because it brings me joy. I 935 00:43:45,120 --> 00:43:48,600 Speaker 1: would start my own business doing this. I would I 936 00:43:48,640 --> 00:43:51,600 Speaker 1: would buy ten rental properties and manage them because that 937 00:43:51,600 --> 00:43:53,360 Speaker 1: would make me feel great, and I would have a business. 938 00:43:53,560 --> 00:43:55,600 Speaker 1: So if you're if you're taking a big question like 939 00:43:55,680 --> 00:43:58,680 Speaker 1: that when money is completely aside, and say how you 940 00:43:58,719 --> 00:44:02,239 Speaker 1: would like to spend your day. Answering that question back 941 00:44:03,000 --> 00:44:05,839 Speaker 1: marriage and kids aside, right, helps you to figure out 942 00:44:05,960 --> 00:44:08,000 Speaker 1: what you want to do with your life. And then 943 00:44:08,320 --> 00:44:10,439 Speaker 1: now that you know that it takes money to get there, 944 00:44:10,880 --> 00:44:14,480 Speaker 1: that's the reason you start building up your savings, investing, saving, 945 00:44:14,480 --> 00:44:16,480 Speaker 1: getting rid of debt. Those types of things will help 946 00:44:16,520 --> 00:44:18,720 Speaker 1: you kind of drive towards it. So if you're answering 947 00:44:18,760 --> 00:44:22,239 Speaker 1: that question and saying I wanna be a photographer and 948 00:44:22,280 --> 00:44:24,759 Speaker 1: take pictures all around the world, then what are you 949 00:44:24,840 --> 00:44:27,440 Speaker 1: now doing financially to help you to get to that 950 00:44:27,480 --> 00:44:30,439 Speaker 1: goal because we only get one life, so let's let's 951 00:44:30,440 --> 00:44:33,640 Speaker 1: do it right. Yeah, and I completely agree. So one 952 00:44:33,680 --> 00:44:35,719 Speaker 1: of those main goals for you is spending more time 953 00:44:35,760 --> 00:44:38,960 Speaker 1: with your kids and having more autonomy. But I'm curious 954 00:44:39,080 --> 00:44:41,160 Speaker 1: what kind of conversations have you had with your kids. 955 00:44:41,160 --> 00:44:43,080 Speaker 1: I love that you bring them on the podcast, you know, 956 00:44:43,120 --> 00:44:45,879 Speaker 1: every fifty episodes. What kind of conversations have you had 957 00:44:45,920 --> 00:44:49,800 Speaker 1: with them? And how are you teaching them really to 958 00:44:49,800 --> 00:44:52,560 Speaker 1: to start knowing the value of a dollar right now too, 959 00:44:52,760 --> 00:44:55,279 Speaker 1: even though they're still young. Yeah, they are pretty young. 960 00:44:55,320 --> 00:44:56,919 Speaker 1: So I've got a seven year old and a five 961 00:44:57,000 --> 00:44:59,239 Speaker 1: year old. For the past couple of years, we've been 962 00:44:59,280 --> 00:45:01,800 Speaker 1: doing a program am like a chore and reward program 963 00:45:01,800 --> 00:45:04,520 Speaker 1: around the house, and that's a way that we're helping 964 00:45:04,520 --> 00:45:07,000 Speaker 1: to teach teach them that you know, with hard work 965 00:45:07,080 --> 00:45:10,319 Speaker 1: comes reward, right. So Zoe and Calvin come down every 966 00:45:10,320 --> 00:45:13,640 Speaker 1: Saturday morning. They get three chores each and they help 967 00:45:13,719 --> 00:45:17,800 Speaker 1: by emptying the garbage, emptying the silverware, putting the clothes 968 00:45:17,800 --> 00:45:20,239 Speaker 1: into the dryer, things like that simple task that I 969 00:45:20,280 --> 00:45:23,280 Speaker 1: do with them. And every time they complete their chores, 970 00:45:23,320 --> 00:45:25,879 Speaker 1: they get a dollar for however old they are, so 971 00:45:26,080 --> 00:45:29,320 Speaker 1: seven dollars for Zoe, five dollars for Calvin. We separate 972 00:45:29,320 --> 00:45:32,840 Speaker 1: the money into three different jars, spend, save, and give 973 00:45:33,360 --> 00:45:35,439 Speaker 1: on These are conversations that we can have together about 974 00:45:35,480 --> 00:45:39,239 Speaker 1: what all all those things are, why savings important, why 975 00:45:39,320 --> 00:45:42,080 Speaker 1: spending is also important, and how you can make smart, 976 00:45:42,080 --> 00:45:46,000 Speaker 1: conscious decisions with your purchases, and then giving why that's important. 977 00:45:46,000 --> 00:45:48,000 Speaker 1: And like I said earlier, giving is something that I'm 978 00:45:48,040 --> 00:45:50,239 Speaker 1: trying to work on, and that was the epiphany moment 979 00:45:50,280 --> 00:45:52,960 Speaker 1: for me. I'm telling my kids to save and give, Andy, 980 00:45:53,040 --> 00:45:54,960 Speaker 1: make sure you give money to to charity because that's 981 00:45:55,000 --> 00:45:57,839 Speaker 1: really important. And then I would ask myself, am I 982 00:45:57,920 --> 00:46:00,200 Speaker 1: doing that? Am I actually giving money to charity? And 983 00:46:00,280 --> 00:46:02,520 Speaker 1: so those conversations that I'm having with my kids are 984 00:46:02,520 --> 00:46:05,840 Speaker 1: actually also inspiring me on my personal finance journey to 985 00:46:05,920 --> 00:46:08,080 Speaker 1: make some changes and try to figure things out. So 986 00:46:08,280 --> 00:46:11,120 Speaker 1: besides the chur and reward program, honestly, the main thing 987 00:46:11,160 --> 00:46:14,840 Speaker 1: that we're doing is just trying to model good personal 988 00:46:14,880 --> 00:46:18,840 Speaker 1: finance behavior, right, not overspending when we don't have the money, 989 00:46:19,320 --> 00:46:22,400 Speaker 1: talking to them in person about why we make conscious 990 00:46:22,400 --> 00:46:25,440 Speaker 1: financial decisions, talking to them when we're when we're in 991 00:46:25,440 --> 00:46:27,600 Speaker 1: the store about the things that we're buying and why 992 00:46:27,640 --> 00:46:30,600 Speaker 1: we're buying them, and why we're not buying certain things, 993 00:46:30,719 --> 00:46:33,520 Speaker 1: why we choose not to. And then we also freely 994 00:46:33,560 --> 00:46:36,719 Speaker 1: talk about our budget and how things are laid out 995 00:46:36,760 --> 00:46:39,319 Speaker 1: and why we're purchasing something this month or why we're 996 00:46:39,320 --> 00:46:41,160 Speaker 1: not purchasing it at all. So I think if you 997 00:46:41,200 --> 00:46:43,360 Speaker 1: have open conversations with your kids, or at least for 998 00:46:43,440 --> 00:46:46,200 Speaker 1: our family, that's how we're hoping that they will grow 999 00:46:46,280 --> 00:46:50,080 Speaker 1: up to be smart, financially savvy little ones. Well, obviously 1000 00:46:50,160 --> 00:46:53,000 Speaker 1: your husband and your dad, and you've got a lot 1001 00:46:53,000 --> 00:46:54,360 Speaker 1: of stuff going on, right, You've got a lot of 1002 00:46:54,360 --> 00:46:56,239 Speaker 1: irons in the fire, You've got your full time job, 1003 00:46:56,239 --> 00:47:00,319 Speaker 1: the different side hustles, other investing strategies for you, Like 1004 00:47:00,680 --> 00:47:02,560 Speaker 1: how are you able to do all this and basically 1005 00:47:02,640 --> 00:47:04,480 Speaker 1: not go crazy? You know, like how do you how 1006 00:47:04,520 --> 00:47:07,720 Speaker 1: are you able to keep your sanity? That's a great question. 1007 00:47:07,760 --> 00:47:11,879 Speaker 1: I am doing my best with time management. So something 1008 00:47:11,920 --> 00:47:15,319 Speaker 1: that's very important to me and my wife is the 1009 00:47:15,360 --> 00:47:18,800 Speaker 1: ability for us to be good parents but also maintain 1010 00:47:18,840 --> 00:47:20,840 Speaker 1: a good marriage. And there's there's a reason that I 1011 00:47:20,880 --> 00:47:23,240 Speaker 1: called it marriage kids in money, because our marriage comes first. 1012 00:47:23,320 --> 00:47:26,400 Speaker 1: So something that we started to do about three or 1013 00:47:26,440 --> 00:47:28,520 Speaker 1: four months ago, which she said was the best invention 1014 00:47:28,520 --> 00:47:31,720 Speaker 1: that I've ever come up with, is dedicating two nights 1015 00:47:32,320 --> 00:47:34,839 Speaker 1: during the week to mama, so we call him Mama's nights. 1016 00:47:35,160 --> 00:47:37,440 Speaker 1: Monday and Tuesday our Mama's nights. So essentially, on those 1017 00:47:37,560 --> 00:47:41,680 Speaker 1: nights at seven o'clock sharp, Mama gets to a vacate 1018 00:47:41,960 --> 00:47:45,319 Speaker 1: the premises, not have to do any dishes, not put 1019 00:47:45,360 --> 00:47:47,520 Speaker 1: any kids to bed. She gets to go whatever she 1020 00:47:47,560 --> 00:47:49,680 Speaker 1: wants to do, go out with girls for lunch, or 1021 00:47:49,719 --> 00:47:51,879 Speaker 1: go out for dinner, drinks, or go up to the room, 1022 00:47:51,920 --> 00:47:54,200 Speaker 1: watch some Netflix, painter nails, whatever she wants to do. 1023 00:47:54,400 --> 00:47:57,319 Speaker 1: That's her time to chill and do nothing. So that's 1024 00:47:57,360 --> 00:47:59,719 Speaker 1: Monday and Tuesday, and then the same happens for me 1025 00:47:59,840 --> 00:48:03,360 Speaker 1: on Wednesday and Thursday, so as daddy's nights. So seven o'clock, 1026 00:48:03,480 --> 00:48:04,719 Speaker 1: I get to go off and I get to do 1027 00:48:04,800 --> 00:48:07,359 Speaker 1: my side hustle, I get to go play board games 1028 00:48:07,400 --> 00:48:11,319 Speaker 1: with my friends. I get to whatever I want to do, exercise. 1029 00:48:11,640 --> 00:48:14,960 Speaker 1: Those are our special times to have our sanity because 1030 00:48:15,000 --> 00:48:17,359 Speaker 1: when you're a young parent, you need that. You need 1031 00:48:17,360 --> 00:48:19,640 Speaker 1: that time for for yourself, You need that time for 1032 00:48:19,680 --> 00:48:23,040 Speaker 1: sanity because if you're only working full time at your 1033 00:48:23,080 --> 00:48:25,600 Speaker 1: side hustle, your job and then being parent all the time, 1034 00:48:25,880 --> 00:48:27,839 Speaker 1: then you have no time for yourself, right, and that's 1035 00:48:27,880 --> 00:48:30,440 Speaker 1: where you kind of lose things. So I'm very happy 1036 00:48:30,520 --> 00:48:33,719 Speaker 1: to separate that time. So really Wednesdays and Thursday nights, 1037 00:48:33,760 --> 00:48:35,360 Speaker 1: I spent a lot of time on the side hustle. 1038 00:48:35,640 --> 00:48:37,680 Speaker 1: I also get up early in the morning to have 1039 00:48:37,760 --> 00:48:39,400 Speaker 1: a little bit of time for me for you know, 1040 00:48:39,640 --> 00:48:41,680 Speaker 1: fitness as well as doing a little bit on the 1041 00:48:41,880 --> 00:48:43,600 Speaker 1: on the podcast and things like that. And then during 1042 00:48:43,600 --> 00:48:45,880 Speaker 1: the day I'm working at my full time job, and 1043 00:48:45,880 --> 00:48:48,319 Speaker 1: then on the weekends I do my very very very 1044 00:48:48,400 --> 00:48:52,440 Speaker 1: best to not do any work whatsoever. Things happen, of course, 1045 00:48:52,520 --> 00:48:55,760 Speaker 1: you know, I gotta get a show out or sometimes 1046 00:48:55,760 --> 00:48:57,799 Speaker 1: I work for my full time job on the weekends. 1047 00:48:58,280 --> 00:49:00,400 Speaker 1: But I do my very very best, you know, call 1048 00:49:00,480 --> 00:49:02,319 Speaker 1: it eight percent of the time where I do no 1049 00:49:02,440 --> 00:49:04,840 Speaker 1: work on the weekends. I do not go on social 1050 00:49:04,880 --> 00:49:08,520 Speaker 1: media starting Friday through Monday morning because that is a 1051 00:49:08,520 --> 00:49:10,560 Speaker 1: big distraction for me, and it takes me away from 1052 00:49:10,560 --> 00:49:13,120 Speaker 1: my family and also takes my my mental focus away. 1053 00:49:13,400 --> 00:49:14,960 Speaker 1: So that's a big focus that I've been trying to 1054 00:49:14,960 --> 00:49:17,480 Speaker 1: do lately, probably for the past six months, no no 1055 00:49:17,960 --> 00:49:21,560 Speaker 1: social media Friday through Sunday and just trying to do 1056 00:49:21,600 --> 00:49:24,400 Speaker 1: these little things that helped me to control my time 1057 00:49:24,960 --> 00:49:28,000 Speaker 1: and put my priorities um where they need to be. 1058 00:49:28,200 --> 00:49:29,560 Speaker 1: My marriage is at the top of the list, my 1059 00:49:29,600 --> 00:49:31,560 Speaker 1: kids are at the top of the list, and then 1060 00:49:31,680 --> 00:49:34,799 Speaker 1: my personal goals too. So you know the challenge of 1061 00:49:34,800 --> 00:49:37,319 Speaker 1: time management. Yeah, yeah, that's awesome. Like you've got to 1062 00:49:37,320 --> 00:49:39,840 Speaker 1: be intentional, You've got to you know, set those boundaries, 1063 00:49:39,840 --> 00:49:43,600 Speaker 1: create that structure, otherwise it just devolves into a big, 1064 00:49:43,680 --> 00:49:48,719 Speaker 1: unorganized time mess, right. Yeah. You know one thing that 1065 00:49:48,840 --> 00:49:51,560 Speaker 1: I talked to somebody on the show you said, interesting interviews. 1066 00:49:51,560 --> 00:49:53,960 Speaker 1: I talked to this gentleman. We talked about this practice 1067 00:49:53,960 --> 00:49:56,600 Speaker 1: called minding the gap. So when he comes from from work, 1068 00:49:57,040 --> 00:49:59,200 Speaker 1: he talks to his wife and says, I need like 1069 00:49:59,280 --> 00:50:02,360 Speaker 1: ten minutes to just kind of have that bridge between 1070 00:50:02,640 --> 00:50:05,920 Speaker 1: employee guy and then family guy. So I'm gonna come in. 1071 00:50:06,440 --> 00:50:08,600 Speaker 1: I'm going to say hello to you, of course, but 1072 00:50:08,600 --> 00:50:11,720 Speaker 1: I'm gonna come right upstairs, splash some water in my face, 1073 00:50:12,000 --> 00:50:15,200 Speaker 1: you know, changing to some relaxing clothes, turn off my 1074 00:50:15,320 --> 00:50:18,200 Speaker 1: phone so I can go from employee mode to family 1075 00:50:18,239 --> 00:50:20,279 Speaker 1: mode and I've been practicing that one as well. It's 1076 00:50:20,280 --> 00:50:22,319 Speaker 1: these little hacks that you could do as a young 1077 00:50:22,360 --> 00:50:25,000 Speaker 1: parent to kind of just separate yourself from all of 1078 00:50:25,040 --> 00:50:27,439 Speaker 1: the different hats you have to wear and to create 1079 00:50:27,440 --> 00:50:30,040 Speaker 1: a little sanity in your life. Dude, that's great stuff. 1080 00:50:30,120 --> 00:50:34,680 Speaker 1: And I think this interview for folks will probably create 1081 00:50:34,760 --> 00:50:39,880 Speaker 1: some interesting discussion around different dining room tables. It will also, 1082 00:50:40,000 --> 00:50:44,120 Speaker 1: I think provide some inspiration for people that even without 1083 00:50:44,640 --> 00:50:48,760 Speaker 1: ridiculously insane income, Like the things that you've achieved Dandy, 1084 00:50:49,040 --> 00:50:51,760 Speaker 1: and you and your family have achieved for your family's 1085 00:50:51,760 --> 00:50:54,719 Speaker 1: well being are are just really impressive. So thank you 1086 00:50:54,760 --> 00:50:56,440 Speaker 1: so much for coming on the show to talk to 1087 00:50:56,560 --> 00:50:59,560 Speaker 1: us today. Yeah, we really appreciate it. I appreciate it too. 1088 00:50:59,600 --> 00:51:01,040 Speaker 1: Thank you guys so much. It's been great to have 1089 00:51:01,080 --> 00:51:03,360 Speaker 1: a beard with you. Yeah. Maybe next time we'll have 1090 00:51:03,440 --> 00:51:06,400 Speaker 1: that beer in person. Uh So, Joel, that was an 1091 00:51:06,400 --> 00:51:09,840 Speaker 1: awesome conversation we had with Andy. Let's talk about some 1092 00:51:09,880 --> 00:51:12,160 Speaker 1: big takeaways that we have. Yes, so we're gonna try 1093 00:51:12,160 --> 00:51:14,160 Speaker 1: to do this. At the end of every interview episode, 1094 00:51:14,400 --> 00:51:16,920 Speaker 1: give kind of one thing that resonated with us. In particular, 1095 00:51:17,200 --> 00:51:19,120 Speaker 1: Matt and the thing that stuck out to me that 1096 00:51:19,120 --> 00:51:22,560 Speaker 1: I'm going to start implementing into my life immediately from 1097 00:51:22,560 --> 00:51:25,080 Speaker 1: this conversation with Andy, which was I think full of 1098 00:51:25,120 --> 00:51:27,880 Speaker 1: a lot of good stuff. Is to keep my wife 1099 00:51:27,880 --> 00:51:30,600 Speaker 1: a night off. I think, especially in this busy season. 1100 00:51:30,640 --> 00:51:33,080 Speaker 1: I love how they each get two nights off every week, 1101 00:51:33,080 --> 00:51:34,879 Speaker 1: and for us, I think maybe one night off might 1102 00:51:34,880 --> 00:51:37,520 Speaker 1: be a little more feasible. But just to know that 1103 00:51:37,640 --> 00:51:39,879 Speaker 1: one night a week when I come home, she can 1104 00:51:39,920 --> 00:51:42,239 Speaker 1: just be out the door doing whatever lights her up, 1105 00:51:42,520 --> 00:51:45,279 Speaker 1: I think would be just a huge win for her. 1106 00:51:45,440 --> 00:51:47,200 Speaker 1: So it's not even this a huge financial thing I 1107 00:51:47,280 --> 00:51:49,239 Speaker 1: learned from this episode. It's just a way that I 1108 00:51:49,239 --> 00:51:51,640 Speaker 1: can relate to my wife better. So that's my big takeaway. 1109 00:51:51,880 --> 00:51:54,080 Speaker 1: Nice man, that's awesome. I yeah, I think she will 1110 00:51:54,200 --> 00:51:58,640 Speaker 1: definitely like that, right, I hope, so I think you will. Okay. 1111 00:51:58,640 --> 00:52:01,080 Speaker 1: For me, it was when Andy was taught about stress, 1112 00:52:01,520 --> 00:52:04,240 Speaker 1: and for him paying off that mortgage and now saving 1113 00:52:04,320 --> 00:52:07,319 Speaker 1: up to buy another home and investment property, he is 1114 00:52:07,320 --> 00:52:10,520 Speaker 1: finding ways to do that but to also decrease the 1115 00:52:10,520 --> 00:52:12,839 Speaker 1: amount of stress in his life. You know, what he's 1116 00:52:12,880 --> 00:52:15,360 Speaker 1: looking at is not necessarily the numbers, but he's looking 1117 00:52:15,400 --> 00:52:17,640 Speaker 1: at what he wants his actual life to look like 1118 00:52:18,040 --> 00:52:19,920 Speaker 1: he's keeping his goals in mind, and it sounds like 1119 00:52:19,960 --> 00:52:22,560 Speaker 1: for them that's maintaining a certain kind of life at 1120 00:52:22,600 --> 00:52:25,680 Speaker 1: home that involves not being preoccupied with the different side 1121 00:52:25,719 --> 00:52:28,240 Speaker 1: hustles or the mortgage, just different things kind of hanging 1122 00:52:28,320 --> 00:52:31,799 Speaker 1: over his head when he's on as dad right, like 1123 00:52:31,800 --> 00:52:33,839 Speaker 1: when he's wearing that hat. So, yeah, that stood out 1124 00:52:33,880 --> 00:52:36,040 Speaker 1: to me. Letting your goals sort of drive your financial 1125 00:52:36,040 --> 00:52:39,040 Speaker 1: actions and now it's not always about the numbers. That's 1126 00:52:39,040 --> 00:52:42,239 Speaker 1: a big confession from a self confessed numbers key. I'm 1127 00:52:42,239 --> 00:52:44,239 Speaker 1: I'm a nerd, and so you know, for me to 1128 00:52:44,440 --> 00:52:46,840 Speaker 1: make that switch and try to focus more on the lifestyle, 1129 00:52:47,400 --> 00:52:49,600 Speaker 1: I've kind of been going that direction more lately, honestly. 1130 00:52:49,840 --> 00:52:51,480 Speaker 1: But hearing Andy talk about it in a way that 1131 00:52:51,560 --> 00:52:53,319 Speaker 1: had a large impact on on what they did with 1132 00:52:53,320 --> 00:52:55,799 Speaker 1: their money just really spoke to me. So I love that. Yeah, 1133 00:52:55,920 --> 00:52:57,680 Speaker 1: that was good stuff. All right, maw Let's get back 1134 00:52:57,719 --> 00:52:59,360 Speaker 1: to the beer that we had on the show today. 1135 00:52:59,680 --> 00:53:03,080 Speaker 1: Today we were drinking Cream Weaver by Three Taverns Brewery 1136 00:53:03,160 --> 00:53:05,560 Speaker 1: and this is a tart twist of the classic orange 1137 00:53:05,560 --> 00:53:08,480 Speaker 1: cream cicle made with tangerines and vanilla. Yeah, this is 1138 00:53:08,480 --> 00:53:10,319 Speaker 1: from a brewery just right down the street from us, 1139 00:53:10,600 --> 00:53:13,200 Speaker 1: and then they make some awesome stuff. They're actually opening 1140 00:53:13,280 --> 00:53:16,960 Speaker 1: up a second location walking distance from our house, which 1141 00:53:17,000 --> 00:53:18,960 Speaker 1: is really exciting. Exactly. Yeah, I can't wait for that 1142 00:53:19,000 --> 00:53:20,680 Speaker 1: to happen. Yeah. And the only time I wear a hat, 1143 00:53:20,719 --> 00:53:23,040 Speaker 1: it's actually a through Tavern's hat, and it's because somebody 1144 00:53:23,040 --> 00:53:26,440 Speaker 1: gave it to me for free, and it's it's obviously 1145 00:53:26,480 --> 00:53:28,480 Speaker 1: that speaks to my cheapness, but you know, I do 1146 00:53:28,560 --> 00:53:30,000 Speaker 1: like their beer, so it's win win. It's not like 1147 00:53:30,040 --> 00:53:32,280 Speaker 1: I'm wearing a like a bush light hat or something. 1148 00:53:33,200 --> 00:53:34,840 Speaker 1: All right. So what were thoughts on this pier? Matt Man? 1149 00:53:34,880 --> 00:53:36,400 Speaker 1: I loved it. It It was really good. You know, it 1150 00:53:36,440 --> 00:53:38,040 Speaker 1: didn't taste as much to me like an I p A. 1151 00:53:38,280 --> 00:53:41,080 Speaker 1: It kind of tasted more like a fruity orange beer, 1152 00:53:41,560 --> 00:53:43,640 Speaker 1: but it had a lot of orange flavor, and l 1153 00:53:43,800 --> 00:53:45,959 Speaker 1: I really like that tartness. It reminded me a lot 1154 00:53:46,120 --> 00:53:48,160 Speaker 1: of frozen yogurt, you know, like you get fro you 1155 00:53:48,239 --> 00:53:50,000 Speaker 1: and it's kind of got that tartness going on with 1156 00:53:50,080 --> 00:53:52,239 Speaker 1: the fruit kind of made it refreshing almost to drink. 1157 00:53:52,280 --> 00:53:54,160 Speaker 1: I really enjoyed it. To me, this had like a 1158 00:53:54,160 --> 00:53:56,960 Speaker 1: sweet orangey flavor and the vanilla kind of smooth things 1159 00:53:57,000 --> 00:53:59,440 Speaker 1: out a touch of that tartness, and so it was 1160 00:53:59,440 --> 00:54:03,160 Speaker 1: super interest thing. I this style is kind of becoming 1161 00:54:03,680 --> 00:54:05,680 Speaker 1: sort of a thing. And we had a beer a 1162 00:54:05,680 --> 00:54:09,160 Speaker 1: while back from Arizona Wilderness that All That's Right had 1163 00:54:09,160 --> 00:54:12,799 Speaker 1: some similarities. This one definitely a little bit sweeter, maybe 1164 00:54:12,840 --> 00:54:15,120 Speaker 1: tasts it even more like an orange creamsicle because of that. 1165 00:54:15,600 --> 00:54:17,960 Speaker 1: And I loved that beer from Arizona Wilderness, but man, 1166 00:54:18,000 --> 00:54:21,120 Speaker 1: this one was super soliditude. So yeah, both good representations 1167 00:54:21,239 --> 00:54:23,480 Speaker 1: of the style and a big thanks to your buddy 1168 00:54:23,480 --> 00:54:25,759 Speaker 1: Tyler for sending this one our way. Yeah, Tyler, thanks 1169 00:54:25,800 --> 00:54:27,600 Speaker 1: so much, man, So Joel, that's gonna be it for 1170 00:54:27,640 --> 00:54:30,320 Speaker 1: this episode. You can find our show notes up on 1171 00:54:30,320 --> 00:54:32,839 Speaker 1: our website at how to money dot com and uh 1172 00:54:32,880 --> 00:54:35,560 Speaker 1: in there as well, we will link to Andy's show, Marriage, 1173 00:54:35,600 --> 00:54:37,160 Speaker 1: Kids and Money. Yeah, and if you think this is 1174 00:54:37,200 --> 00:54:39,319 Speaker 1: the best personal financial you've ever heard in your life, 1175 00:54:39,520 --> 00:54:42,120 Speaker 1: well we'd appreciate a five star review from you on 1176 00:54:42,160 --> 00:54:45,760 Speaker 1: Apple Podcasts or wherever you listen. And more than anything, 1177 00:54:45,800 --> 00:54:48,479 Speaker 1: we just appreciate you checking out the show. So Matt, 1178 00:54:48,600 --> 00:55:00,719 Speaker 1: until next time, Best friends out, Best Friends Out. Mmmm.