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

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Speaker 1: and today we're answering your spooky listener questions.

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Speaker 2: I almost did like a howl in the background as

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Speaker 2: you said, that's just that to add to the ambiance.

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Speaker 2: But we are going to talk through some spooky Halloween

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Speaker 2: related money questions. We've got a lot of different comments

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Speaker 2: that folks chimed in with over on Facebook. We're beginning

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Speaker 2: to those. We're going to talk about how you can

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Speaker 2: cut costs when it comes to funerals. We're gonna talk

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Speaker 2: about how you can avoid some of those financial skeletons

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Speaker 2: in your closet. And Joel, you and I we might

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Speaker 2: even share our favorite scary movie during this episode. A

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Speaker 2: lot to cover.

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Speaker 1: And by the way, if you're not a part of

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Speaker 1: the out of Money Facebook group, go check it out.

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Speaker 1: It's a great place. We've got eleven thousand folks in

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Speaker 1: there and they're just helping each other all the time

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Speaker 1: with their money questions. So Matt and I, you know,

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Speaker 1: we are two dudes and we love taking your money questions.

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Speaker 1: We love talking about money three times a week with you.

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Speaker 1: But this is a great place to go if you

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Speaker 1: want like more information or you want like a deeper

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Speaker 1: dive with some of your listeners. Fellow listeners. It really

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Speaker 1: is a great crew, and so it's always nice to

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Speaker 1: be able to tap the Facebook.

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Speaker 2: Group for Hive Mind.

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Speaker 1: Yeah, it's nice to be able to tap them for

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Speaker 1: episodes like this too. There are a lot of good suggestions,

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Speaker 1: a lot of good, good questions in that group on

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Speaker 1: this topic.

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Speaker 2: And that's right, man, all right, before we introduce the beer,

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Speaker 2: before we get to this episode, I wanted to share

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Speaker 2: a quick little story. It's nearing the end of the

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Speaker 2: month and I was wrapping up the October October expenses, right,

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Speaker 2: I was closing out the budget for this month. And

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Speaker 2: you know what, So one of the benefits of obviously

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Speaker 2: tracking or spending, you get to see you're not immune

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Speaker 2: to price increases, right, you are in touch with what

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Speaker 2: it is you're spending. You can keep an eye out

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Speaker 2: for different errors that may have occurred. But you also,

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Speaker 2: and this is something I realized just yesterday, actually you

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Speaker 2: have the ability to essentially relive some of the expenses

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Speaker 2: that you had incurred earlier that month. And in this case,

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Speaker 2: so earlier in the month we both took some long weekends.

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Speaker 2: You and Emily, y'all are up in New York. Kate

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Speaker 2: and I went out to Colorado wanted to do some

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Speaker 2: hiking and you.

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Speaker 1: Got your first fourteen or in my first, Yeah, that's right.

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Speaker 2: And so while we were out there, I also took

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Speaker 2: that as an opportunity to scratch my Tesla itch, as

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Speaker 2: folks have heard me talking about here on the show.

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Speaker 2: So I rented a Tesla Model three on turo. Is

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Speaker 2: honestly not that much more expensive than just getting a standard.

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Speaker 1: Affordable sit in. Yeah, the regular Corolla from Hurts.

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Speaker 2: Yeah, exactly, And I thought, okay, this is a great

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Speaker 2: opportunity for me to actually try it out. It was awesome,

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Speaker 2: super cool, dude. We had so much fun driving that

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Speaker 2: thing around extended test drive, by the way, which is

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Speaker 2: so small. If you're like you get to actually live

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Speaker 2: with it, you know which there's good and there's bad.

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Speaker 2: Because I'll say the good is that it was a

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Speaker 2: lot of fun. It wasn't FSD, wasn't full so driving,

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Speaker 2: but man, double clicking that that right lever and having

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Speaker 2: it turned into Rainbow Road so stinking cool. Super cool.

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Speaker 2: But I tell you what is not cool was the

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Speaker 2: infrastructure actually having to go to a supercharger charging that thing.

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Speaker 2: It's really easy, right, You just stick it in there

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Speaker 2: and it just starts charging. That part's cool, but they're

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Speaker 2: just not as ubiquitous as gas stations. And then so

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Speaker 2: speak going back to my budget, that's an understatement, by

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Speaker 2: the way, Yes, exactly. Going back to the budget, I

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Speaker 2: saw obviously the turow rental fee, but then there was

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Speaker 2: the charge for the superchargers that we used, which because

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Speaker 2: it automatically charges the owner, which they then pass on

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Speaker 2: to you as the turo renter. And I was reminded

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Speaker 2: that it cost me around thirty dollars to charge it

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Speaker 2: over the course of three days or so, three four

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Speaker 2: days of driving, And so I thought, what would those

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Speaker 2: that same number of miles that we drove, how much

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Speaker 2: would it have cost with the average cost of gasoline

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Speaker 2: in Colorado were we to if we were driving? So

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Speaker 2: you ran the numbers? Did to the numbers? Did can

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Speaker 2: I guess? Yes?

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Speaker 1: Yeah, the guess gas was definitely cheaper than than filling up.

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Speaker 2: Cause it wasn't. It wasn't. It wasn't it wasn't it

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Speaker 2: was It was pretty much the exact same though it

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Speaker 2: was thirty bucks. And I was because we didn't drift

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Speaker 2: all that much. Yeah, but that just goes to show

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Speaker 2: that the superchargers are not an affordable way to power

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Speaker 2: your Tesla, your electric car. It really makes a whole

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Speaker 2: lot of sense though.

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Speaker 1: If you've got those off peak hours or if are

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Speaker 1: charging at home.

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Speaker 2: Yeah, charging at home and you've got the super off

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Speaker 2: peak hours where you're paying, Like I even crunched it

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Speaker 2: down to like the kill a what hour it was

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Speaker 2: like at home if you've got a good rate, I

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Speaker 2: mean you're paying sometimes something like one cent or something

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Speaker 2: like that per kill a what hour versus it was

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Speaker 2: like twenty five times that I think when it came

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Speaker 2: to the supercharger. The price difference between convenience is nice,

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Speaker 2: but you're paying a premium for it.

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Speaker 1: Price difference between charging at home and charging out at

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Speaker 1: a charge point or a Tesla charger or something like that,

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Speaker 1: it's way significant difference. And so yeah, ev owners will

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Speaker 1: if they if they constantly find themselves charging somewhere else

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Speaker 1: besides where they live, they're gonna end up spending a

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Speaker 1: significant them out.

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Speaker 2: It's not going to make a whole lot of sense

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Speaker 2: from the daily cost of operating a vehicle standpoint.

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Speaker 1: And that's one of the biggest selling points is like, hey,

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Speaker 1: you don't have to go to the gas station and

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Speaker 1: you can charge it at home, and it makes it

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Speaker 1: really easy, but you have to make sure that you've

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Speaker 1: got enough range to where you can actually make that

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Speaker 1: a reality where you're actually doing exactly ninety plus percent

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Speaker 1: of you're charging at your home. And, by the way,

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Speaker 1: a lot of people and this is something I found

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Speaker 1: out having my leaf that had like no range, by

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Speaker 1: the way for a lot of years, is that a

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Speaker 1: lot of people can get by without having even a

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Speaker 1: level two charger. They can literally just trickle charge, which

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Speaker 1: is better for their battery life over time and slow

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Speaker 1: Insteady it works just fine for not for everyone, but

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Speaker 1: for a lot of folks.

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Speaker 2: Yeah. Absolutely, And it also just reinforced that the fact

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Speaker 2: that I'm probably not ever going to rent an electric

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Speaker 2: vehicle when we go on vacation because was so great

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Speaker 2: about the convenience of an electric vehicle is being able

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Speaker 2: to charge it at home and when you don't have

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Speaker 2: a home, like so no joke, I was driving around

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Speaker 2: looking for outlets to plug into because I thought, oh man,

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Speaker 2: because we rented a condo and I thought, if there

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Speaker 2: are some outlets in the in the deck because there's

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Speaker 2: you know, not a sign there that says no EV charging.

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Speaker 2: I'm willing to pop the trunk, pull out the cord

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Speaker 2: out of the or the fronk I don't know where

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Speaker 2: wherever the charger was, and plug it up, but the

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Speaker 2: uh they cover them up and they both didn't have

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Speaker 2: any outlets in the entire deck. I drove the whole

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Speaker 2: the whole length of the U of the tech Kate

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Speaker 2: was like, Okay, we've driven enough. You're just gonna have

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Speaker 2: to go supercharger thing tomorrow. But uh, yeah, consider it

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Speaker 2: or we're going to consider it for maybe in the future,

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Speaker 2: for as a daily driver if you have a home

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Speaker 2: base to come back to, but certainly not for a

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Speaker 2: road trip where you're gonna be driving multiple days that

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Speaker 2: kind of thing.

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Speaker 1: Yeah, for sure. And I think, like, yeah, you have

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Speaker 1: to plan it out ahead of time. And I do

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Speaker 1: think we're gonna get a lot more charging infrastructure in

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Speaker 1: the next few years. It's gonna be eas eventually easier. Yeah,

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Speaker 1: I don't know that it'll bring the prices down significantly, though,

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Speaker 1: And so I think if if you're charging while you're

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Speaker 1: out and about, it's still going to be about as

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Speaker 1: expensive as it is to fill up your gas car, which.

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Speaker 2: Is fine, yeah on the on the yeah, opportunity for

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Speaker 2: you to travel out of state, that kind of thing.

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Speaker 2: But for the the daily driver makes a ton of

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Speaker 2: sense for sure. All right, let's move on. Matt.

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Speaker 1: Let's mention the beer we're having on this episode. This

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Speaker 1: was called Social Hour. It's by Santa Fe Brewing. It's

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Speaker 1: a hazy wheat ale with orange. And this is a

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Speaker 1: big thanks to our friend Bob, who went to the

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Speaker 1: same Nerdy Money conference we did.

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Speaker 2: So gave us beers last year.

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Speaker 1: At that nerdy Money conference and Bob is just one

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Speaker 1: of the greatest dudes, and so he had a sackload

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Speaker 1: of beer for us to It was a shoebox.

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Speaker 2: It was a shoebox. Yeah, not a little shoebox. I

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Speaker 2: don't know how big his feed are, but shoebox.

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Speaker 1: He's got like Shaquilla and Neil sized feet and so

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Speaker 1: he Yeah, we got a lot of great beers from Bob,

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Speaker 1: and we'll be the next Bob yeah, next few episodes.

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Speaker 1: So big thanks to Bob and h And by the way,

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Speaker 1: if you have a personal finance question you want Matt

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Speaker 1: and I a tackle on an upcoming episode. Howdomoney dot

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Speaker 1: com slash ask is the place where you can find

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Speaker 1: the simple instructions to record that voice memo and send

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Speaker 1: it our way. We can't wait to hear from you, said.

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Speaker 2: The majority of our questions of the comments today aren't

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Speaker 2: actual voice man, yes, and we wanted.

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Speaker 1: To reach out to Usually they are, but today we

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Speaker 1: topped Facebook.

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Speaker 2: It's just fun to hear the people's voice. It really well, right,

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Speaker 2: I mean, folks have got to get tired of hearing

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Speaker 2: us talk Bob.

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Speaker 1: You would think, right, you would think, But now I

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Speaker 1: mean I think it's they tuned in for a reason, right, course,

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Speaker 1: that's why they're still subscribed, right, No, we appreciate all

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Speaker 1: you all you folks listening, listening regularly, But let's get

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Speaker 1: to kind of the topic you get off. We're talking

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Speaker 1: specifically about Halloween related spooky money questions that people in

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Speaker 1: our Facebook group had, And this first one comes from Danny,

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Speaker 1: who says, no question here, but I hope you'll share

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Speaker 1: an autumn themed beer and tell us about some of

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Speaker 1: your other seasonal faves. It's such a great time of

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Speaker 1: year for craft bruise. Obviously, it is like the fault time.

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Speaker 1: I love the seasonality of craft beer, and so Danny

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Speaker 1: makes a good point. First off, I will say the

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Speaker 1: hottest beer segment at this time of year is pumpkin beers.

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Speaker 1: I hate pumpkin beers. Matt, what I do?

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Speaker 2: You know? You like the okay? So what about avery?

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Speaker 2: Avery makes the rumpkin? Okay?

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Speaker 1: That avery is the the is the exception that proves

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Speaker 1: the rule. So rumpkin it's a I can't rum barrel

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Speaker 1: aged pumpkin beer pumpkin or maybe it's like sweet potata

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Speaker 1: or some something.

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Speaker 2: Like that, but obviously it's aged in rum barrels, and

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Speaker 2: it was I haven't had it in a few years.

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Speaker 2: The problem phenomenal phenomenal pumpkin slash fall beer. Yeah.

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Speaker 1: The problem is most pumpkin beers make pumpkin the main feature.

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Speaker 1: And if pumpkin is a minor feature in it and

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Speaker 1: it's all about the barrel age or it's about it

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Speaker 1: big old stout or this Imperial brown or something like that,

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Speaker 1: then I'm all for trying that. But it's the ones

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Speaker 1: that are like super pumpkin specific, and I feel.

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Speaker 2: Like they make the the pumpkin where the kin is

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Speaker 2: spelled with a K y and that's Kentucky. Yeah, obviously

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Speaker 2: that's barrel aged. That being said, I think both of

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Speaker 2: those are in like the fifteen percent range, So not

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Speaker 2: the kind of beer that you drink, you drink all

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Speaker 2: the time. You definitely split that with a friend. Yeah yeah.

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Speaker 2: But speaking of seasonality, we just I think it's September

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Speaker 2: when fresh hot beers are typically yea because of harvest

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Speaker 2: season and not too long ago. Enjoyed Born Yesterday, Oh

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Speaker 2: by Laganita, the Loganita's fresh hop. They've got a born

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Speaker 2: Again Yesterday or something like that that's actually not a

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Speaker 2: fresh shop. I think it's like a fake.

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Speaker 1: Uh huh fake. But the Born Yesterday is delicious.

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Speaker 2: Born Yesterday is so good, and so most of the

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Speaker 2: time hops, they're processed in the pelletform frozen, it gets

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Speaker 2: packed off, you know, shipped off in pouches, that kind

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Speaker 2: of thing. Obviously, if they're fresh hot, they're literally making

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Speaker 2: the beers with like the cone, like the hop cones,

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Speaker 2: and not surprisingly, they have this amazingly crisp, delicious, grassy

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Speaker 2: herbal flavor that you cannot replicate because hops go bad

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Speaker 2: like really quickly. Yeah, they go bad and even when

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Speaker 2: they brew those beers, you have to drink it pretty

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Speaker 2: quickly too, while they're still alive. That's like, that's always

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Speaker 2: how I describe those beers. It's like they're still moving

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Speaker 2: around in the cans a little bit.

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Speaker 1: Within like six weeks of bottling essentially. So yeah, look

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Speaker 1: at the born on date or whatever.

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Speaker 2: That's honestly my favorite quote unquote seasonal beer, just because

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Speaker 2: of the freshness. Yes, it's like it's like farmed to mouth,

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Speaker 2: farmed a glass.

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Speaker 1: So I think it's good to note that there are

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Speaker 1: some great fall beers that are pumpkin beers, and if

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Speaker 1: you like pumpkin beers, more power to you. It's just

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Speaker 1: like turkey flavored beer. Yeah, only the dark meat though,

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Speaker 1: Yeah right, yeah, it's more flavorable than the white meat.

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Speaker 1: Like we all know this, but for our listeners who

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Speaker 1: don't care much about beer, we'll keep moving on. Let's

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Speaker 1: let's get to Kathy's quite She says, do kids still

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Speaker 1: make their own Halloween costumes? I'm sure my family saved

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Speaker 1: a lot of money when we did that back in

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Speaker 1: the day. So, Matt, I don't know homemade costumes.

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Speaker 2: What are your thoughts? Well, I like them. It feels

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Speaker 2: like something from a bygone era, you know, like I

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Speaker 2: totally remember like Little House on the Prayers, well even

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Speaker 2: as a kid myself. I mean I wasn't born in

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Speaker 2: the eighteen eighties or whatever Little House in the Prayer,

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Speaker 2: but I remember my dad making a ghost costume for me,

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Speaker 2: which is the classic, literally just a white sheet over

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Speaker 2: your head with holes cut the eyes, and of course

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Speaker 2: I remember just constantly tripping and falling everywhere and getting hurt,

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Speaker 2: so probably not worth it. That's one that I don't remember.

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Speaker 2: I'm not too fondly.

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Speaker 1: I remember my mom breaking out the sewing machine back

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Speaker 1: in the day, and yeah, yeah, yeah, I mean just

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Speaker 1: I remember my little sister being a black sheet at

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Speaker 1: one point and it was just the goosiest looking costume

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Speaker 1: was So it was adorable though, because it's unique, it's

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Speaker 1: one of the kind. So I think they're they're rare,

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Speaker 1: but I'd love to see more of them.

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Speaker 2: Yeah. So that being said, I will say, I don't

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Speaker 2: know if we've ever talked about this on the show

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Speaker 2: Our Kid. My kids to a classical school. It's like

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Speaker 2: a nerdy, traditional, like liberal arts kind of school. And

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Speaker 2: at the school, they have what's called Classical Character Day

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Speaker 2: and not surprisingly what that means that they're allowed because

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Speaker 2: normally they're wearing like the standard uniform, but on Classical

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Speaker 2: Character Day you can dress up as a historical figure

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Speaker 2: that literally has to be something that someone that you've studied,

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Speaker 2: like Pikachu. You mean right exactly, you know the classics

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Speaker 2: in the first few months of school. And I will

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Speaker 2: say that has caused our kids to be a little

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Speaker 2: more creative because there are still some things to buy

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Speaker 2: to kind of land the costume. But I do appreciate

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Speaker 2: the ingenuity the inventiveness that goes into because a lot

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Speaker 2: of times you do have some of those elements in

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Speaker 2: the past. Like one of our daughters was Artemis, the

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Speaker 2: Greek goddess. One of our daughters this year is going

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Speaker 2: to be for tid. I think that's like, okay, like

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Speaker 2: the Egyptian Queen. Do you know who this is? The

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Speaker 2: Egyptian Queen.

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Speaker 1: No, it brings it like I know it's you probably

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Speaker 1: bring you.

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Speaker 2: Probably seen there's a famous staff or bust of her

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Speaker 2: and one of her eyes has kind of been knocked

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Speaker 2: out and it looks like like the Pupil's gone and

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Speaker 2: the iris is gone. It's just white she keeps. Anytime

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Speaker 2: she talks about being her, she grabs the bottom part

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Speaker 2: of her eyelid and pulls her eye down and looks

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Speaker 2: up in order to wipe out her eye. I think

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Speaker 2: it's going to be pretty hilarious. Yeah, I love that.

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Speaker 2: I'm sure you know which kid came up with that one?

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Speaker 3: Is? Right?

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Speaker 2: Well, I think, But like I'm all for the creativity.

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Speaker 2: I guess that goes into it because like those when

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Speaker 2: it comes to actually handing it out candy, like those

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Speaker 2: are the kids that you want to give double candy too,

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Speaker 2: right versus the kids that are just shown up with.

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Speaker 1: The back Let's be honest, like the ready made off

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Speaker 1: the rack. It's cool, they're very expensive, yes, yeah, So

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Speaker 1: if we're talking about saving money on Halloween using what

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Speaker 1: you have lying around, you probably already have if you've

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Speaker 1: got a few kids, some sort of costume bucket that

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Speaker 1: you can tap and you can you know, it doesn't

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Speaker 1: have to be like putting on the same exact thing,

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Speaker 1: but like, how can you maybe combine a few of

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Speaker 1: those things to create a cool new outfit that's a

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Speaker 1: little off the beaten path.

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Speaker 2: I think it's a good way to go glasher. You

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Speaker 2: r g I Joe May this year you can be

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Speaker 2: zombie g I Joy. It's too short, it's all ripped

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Speaker 2: up and busted up. Discort some some fake blood all over.

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Speaker 2: Then you're good to go. See. I like this.

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Speaker 1: You could be like a Halloween costume consultant.

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Speaker 2: Take any costume and just call it zombie whatever, and

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Speaker 2: you're good for at least two three years, that's right.

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Speaker 1: Or I may just make mine sexy right as well,

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Speaker 1: need and everything, which is I know the trend. I

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Speaker 1: don't actually do that, all right, ben, he asks. Our

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Speaker 1: family loves trick or treating, and our two young kids

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Speaker 1: will usually go knock on roughly five to ten select

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Speaker 1: doors before coming home to hand out treats to others

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Speaker 1: for a few hours. Our neighborhood really goes all out

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Speaker 1: with the treats. We're talking custom professional sugar cookies, massive

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Speaker 1: goodie bags, full sized candy bars, jeez, and even hard

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Speaker 1: selters for the adults. So if you're a kid, which

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Speaker 1: I can appreciate there, Yeah, yeah, I like that. So

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Speaker 1: we go craft beer instead, right, but everyone seems to

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Speaker 1: have an extravagant niche and goes all in. Do you

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Speaker 1: guys have ideas? For something unique, fun and affordable that

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Speaker 1: we can hand out.

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Speaker 2: Who you want to kick this one off?

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Speaker 1: So I was thinking that there's why not take like

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Speaker 1: wood scraps and turn them into like little cutouts or

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Speaker 1: something and hand paint them. Maybe maybe there's like a

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Speaker 1: little fun, unique gift that you can give out in

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Speaker 1: that way.

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Speaker 2: We've actually like, uh, you said scraps, I'll play some

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Speaker 2: wood straps. I was like, Okay, they're wearing these cutouts

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Speaker 2: or okay, gotcha. Yeah, maybe you could Maybe you could

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Speaker 2: just like the Halloween ornaments exactly. Yeah, something like that

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Speaker 2: cut out little got extend the season.

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Speaker 1: You probably want to give out like a tiny piece

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Speaker 1: of candy to go with it, so you don't get

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Speaker 1: your house t peed or something later on. A little

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Speaker 1: hand painted, a little handmade something or other. Maybe your

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Speaker 1: kids help you make the move becomes this family activity

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Speaker 1: to create like twenty or thirty of these things, and

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Speaker 1: maybe it becomes the coolest house on the block because

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Speaker 1: it's like something intangible, it's gonna.

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Speaker 2: Last for a long time. I've been mentioning the seltzers

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Speaker 2: or hard whatever drinks for adults. Maybe think of the

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Speaker 2: fact that everyone's giving up stuff for kids to eat,

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Speaker 2: and oftentimes they are eating candy a seat trick or treat.

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Speaker 2: Right once you give out a drink, and not like

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Speaker 2: a prepackaged drink whatever, but get like a big thing,

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Speaker 2: get like a big cauldron looking thing, get some apple

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Speaker 2: cider in there, get some dry ice, and all of

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Speaker 2: a sudden you got a witch's cauldron, and.

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Speaker 1: Would be one for adults too, where you.

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Speaker 2: You got exactly you got the twenty one plus cauldron,

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Speaker 2: and then you got the little kids cauldron and that

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Speaker 2: would be so affordable, and just the little starphone cups.

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Speaker 2: And then obviously if you're sir, if you're the one

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Speaker 2: that's there, you gotta wear the witch cash or the warlock,

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Speaker 2: and you providing more of like an experience with a

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Speaker 2: long like snow white witch nose, yeah, as opposed to

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Speaker 2: just handing them a piece of candy, because that's yeah,

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Speaker 2: that's not gonna cost hardly any money at all. I

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Speaker 2: like that. I guess I'm drawing on our previous or

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Speaker 2: past experience when when year we had a fire pit

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Speaker 2: out front and we did s'mores in front of our

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Speaker 2: house because we also we were literally going for this

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Speaker 2: where we're trying to think Okay, the prepackaged that's what's

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Speaker 2: so expensive. How do we break it down? And then

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Speaker 2: we realized, oh, back of marshmallows and a few full

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Speaker 2: you know, chocolate barckers. They're expensive if you're giving out

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Speaker 2: one bar at a time, but if you're breaking them

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Speaker 2: up and making making smores out of them as great

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Speaker 2: from a financial standpoint. It's not great when you've got

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Speaker 2: twenty random kids running around with like marshmallows at are.

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Speaker 1: On fire and you're trying to get them like sign

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Speaker 1: a waiver before the movies.

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Speaker 2: Oh gosh. So all that being said, we're never going

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Speaker 2: to do this Moorst thing again because that was kind

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Speaker 2: of scary.

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Speaker 1: Random side note, a couple of our neighbor kids came

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Speaker 1: over and did smortes the other night in our backyard

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Speaker 1: over a fire pit, and one.

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Speaker 2: Kid were my kids there? No? I thought they were

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Speaker 2: while we were gone.

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Speaker 1: Yeah, that was while we're gone, So that's the one

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Speaker 1: I was there. So little dude he sets his marshmallow

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Speaker 1: on fire, he starts flinging it and he accidentally throws

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Speaker 1: the marshmallow.

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Speaker 2: It hits my leg. I almost catch on fire, dude.

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Speaker 2: So that's what I'm telling you, he's never invited like

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Speaker 2: kids with like the metal pokers, flaming marshmallows the scariest thing.

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Speaker 2: I didn't realize that something.

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Speaker 1: So maybe the cauldron makes a little bit more sense.

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Speaker 2: Yeah, you're just finding a way to do whatever it

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Speaker 2: is that you're giving away in batch. But I'm totally

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Speaker 2: with you. Finding ways to do it on the cheap

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Speaker 2: is the way to go. This one is from Jessica

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Speaker 2: on Facebook. She said, this isn't a personal issue. I'm

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Speaker 2: facing now that maybe you could go over how to

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Speaker 2: save money on funerals like cremation versus burial if you

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Speaker 2: can skip them bombing, or how to get deals on caskets,

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Speaker 2: or even if it's legal or possible to just be

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Speaker 2: tossed in the forest somewhere. I like that she put

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Speaker 2: an lol after that, because just making it clear, I

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Speaker 2: was a little nervous she wasn't being serious.

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Speaker 1: It's gonna start ropping off dead bodies in the forest. Well,

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Speaker 1: I think what you think, Well, this is a great question.

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Speaker 1: This is certainly, you know, a spooky question that that

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Speaker 1: isn't Halloween specific. But I'm also glad to know it

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Speaker 1: sounds like Jessica's not on death door. She's just kind

434
00:18:17,560 --> 00:18:20,199
Speaker 1: of like doing her due diligence here, but death related.

435
00:18:20,240 --> 00:18:23,760
Speaker 2: So that's good. Yeah, she's on theme. We appreciate that point.

436
00:18:23,960 --> 00:18:26,879
Speaker 1: Well. And cremation is almost always cheaper than traditional barrel

437
00:18:27,000 --> 00:18:30,040
Speaker 1: We're talking like traditional barrels often four or five x

438
00:18:30,080 --> 00:18:32,360
Speaker 1: the cost, so it's really important.

439
00:18:31,960 --> 00:18:32,639
Speaker 2: To know that that.

440
00:18:32,840 --> 00:18:36,280
Speaker 1: Like, and some people have religious views on this or

441
00:18:36,320 --> 00:18:39,400
Speaker 1: something like that, which is no problem. Obviously you want

442
00:18:39,400 --> 00:18:41,040
Speaker 1: to let that be your guiding light. But for folks

443
00:18:41,080 --> 00:18:42,959
Speaker 1: who don't really care, they're just trying to figure out

444
00:18:43,000 --> 00:18:46,080
Speaker 1: what save some the most money right after death, Well,

445
00:18:46,440 --> 00:18:47,720
Speaker 1: cremation is going to be the cheapest thing.

446
00:18:48,280 --> 00:18:51,160
Speaker 2: Sign me up for that, man, right, because then you're

447
00:18:51,200 --> 00:18:53,840
Speaker 2: able to avoid one of the most costly items at

448
00:18:53,920 --> 00:18:56,040
Speaker 2: least when it comes to a funeral, which is a casket.

449
00:18:56,359 --> 00:18:58,959
Speaker 2: I mean you're talking either a thousand bucks, like on

450
00:18:59,000 --> 00:19:01,560
Speaker 2: the cheap end, up to like twenty thousand dollars for

451
00:19:01,600 --> 00:19:03,520
Speaker 2: a high end casket, well, which is insane.

452
00:19:03,560 --> 00:19:05,480
Speaker 1: A huge part of the problem in this industry is

453
00:19:05,520 --> 00:19:09,320
Speaker 1: a lack of transparency. So this is historically an industry

454
00:19:09,359 --> 00:19:11,680
Speaker 1: where it's hard to figure out what the price is

455
00:19:11,720 --> 00:19:14,200
Speaker 1: going to be ahead of time. And so the good

456
00:19:14,240 --> 00:19:15,880
Speaker 1: news is there a people in the tech space who

457
00:19:15,880 --> 00:19:17,440
Speaker 1: are trying to do something about that. Got a couple

458
00:19:17,680 --> 00:19:21,040
Speaker 1: suggestions for you. First, I would say, consider pre paying

459
00:19:21,280 --> 00:19:25,080
Speaker 1: for your funeral or burial costs ahead of time through

460
00:19:25,080 --> 00:19:28,600
Speaker 1: your state Funeral and Memorial society like ours not only

461
00:19:28,680 --> 00:19:31,760
Speaker 1: has a helpful price list in one handy dandy location,

462
00:19:31,960 --> 00:19:33,679
Speaker 1: but you can also become a member, which gives you

463
00:19:33,680 --> 00:19:36,679
Speaker 1: access to guaranteed pricing and it's just really cheap. It

464
00:19:36,680 --> 00:19:38,080
Speaker 1: helps take the stress out of the equation. I think

465
00:19:38,080 --> 00:19:40,600
Speaker 1: it's thirty five bucks Matt to join our states. It's

466
00:19:40,600 --> 00:19:42,040
Speaker 1: a one time fee, it's not an annual fee or

467
00:19:42,080 --> 00:19:44,520
Speaker 1: anything like that, and then you kind of have access

468
00:19:44,560 --> 00:19:48,119
Speaker 1: to these great prices essentially. And I know most people

469
00:19:48,119 --> 00:19:50,160
Speaker 1: in their twenties and thirties are like cool, don't care,

470
00:19:50,840 --> 00:19:52,800
Speaker 1: but like, yeah, it's a really good thing for a

471
00:19:52,840 --> 00:19:54,720
Speaker 1: lot of people to know about. And just google your

472
00:19:54,760 --> 00:19:57,119
Speaker 1: State and Funeral and Memorial Society and it will pop up.

473
00:19:57,320 --> 00:19:58,800
Speaker 1: And like, let's say, if we're talking about someone you

474
00:19:58,840 --> 00:20:01,840
Speaker 1: love who's dying. Though, comparison shopping is crucial because the

475
00:20:01,840 --> 00:20:03,800
Speaker 1: price range can be massive. Like I was saying, the

476
00:20:03,840 --> 00:20:06,600
Speaker 1: prices are rarely given when you're searching site. So if

477
00:20:06,600 --> 00:20:12,240
Speaker 1: you're going to let's say funerals funeral rolos near you, Yeah,

478
00:20:12,440 --> 00:20:14,520
Speaker 1: if you're going to just their specific sites, you might

479
00:20:14,560 --> 00:20:16,040
Speaker 1: have a really hard time figuring how much it's going

480
00:20:16,119 --> 00:20:17,440
Speaker 1: to cost. So you want to go to a third

481
00:20:17,440 --> 00:20:19,359
Speaker 1: party site that helps do some of that work for you.

482
00:20:19,520 --> 00:20:23,000
Speaker 1: Funeralosity kind of like Travelosity, but funeralosity dot com is

483
00:20:23,040 --> 00:20:25,000
Speaker 1: this is probably the best site out there for helping

484
00:20:25,080 --> 00:20:27,720
Speaker 1: you find pricing. They make the phone calls even to

485
00:20:27,800 --> 00:20:29,960
Speaker 1: a lot of these companies to try to get the

486
00:20:30,000 --> 00:20:32,160
Speaker 1: pricing so that they can make it, and that they're

487
00:20:32,200 --> 00:20:34,120
Speaker 1: constantly checking up on the pricing to make sure they're

488
00:20:34,119 --> 00:20:37,320
Speaker 1: giving you accurate pricing on their site. And then when

489
00:20:37,320 --> 00:20:39,199
Speaker 1: it comes to getting tossed in the woods, that's just

490
00:20:39,200 --> 00:20:41,520
Speaker 1: probably no boynough like not a good way to go.

491
00:20:41,840 --> 00:20:44,080
Speaker 1: I'm sure there's something illegal, said.

492
00:20:43,920 --> 00:20:46,760
Speaker 2: Yeah, there's something maybe the Health Code. I don't know

493
00:20:46,840 --> 00:20:48,199
Speaker 2: if the FDA or I.

494
00:20:48,200 --> 00:20:50,720
Speaker 1: Don't know who gets involved, or the forestry division. Right,

495
00:20:51,240 --> 00:20:54,560
Speaker 1: but those cremations really can be really inexpensive. We're talking

496
00:20:54,600 --> 00:20:57,199
Speaker 1: barely four figures or maybe even three figures. I think

497
00:20:57,240 --> 00:20:59,000
Speaker 1: you could probably do that pretty dang affordably.

498
00:20:59,080 --> 00:21:01,240
Speaker 2: But yeah, I think what's important here is then to

499
00:21:01,359 --> 00:21:03,760
Speaker 2: make sure that this is something you've talked about ahead

500
00:21:03,800 --> 00:21:05,600
Speaker 2: of time, and we kind of touched on this last

501
00:21:05,600 --> 00:21:08,360
Speaker 2: week when we talked with Chanelle Reynolds. But figuring out

502
00:21:08,520 --> 00:21:12,160
Speaker 2: what the wishes of the deceased are before they're deceased

503
00:21:12,280 --> 00:21:13,760
Speaker 2: is the best way to go, because if you don't

504
00:21:13,800 --> 00:21:16,080
Speaker 2: talk about it in the heat of the moment, right

505
00:21:16,119 --> 00:21:19,639
Speaker 2: this is an emotional time, and I think you're going

506
00:21:19,680 --> 00:21:22,399
Speaker 2: to be more likely to air on the side of

507
00:21:22,520 --> 00:21:25,040
Speaker 2: maybe spending too much as opposed to too little, and

508
00:21:25,119 --> 00:21:28,080
Speaker 2: maybe actually having this expensive funeral versus something that's a

509
00:21:28,119 --> 00:21:32,000
Speaker 2: little more private at your home, and when you've done

510
00:21:32,000 --> 00:21:33,600
Speaker 2: the work on the front end, you can avoid all

511
00:21:33,600 --> 00:21:36,080
Speaker 2: of that expense and all of that guilt where you're

512
00:21:36,160 --> 00:21:37,679
Speaker 2: left holding the bill at the end of the day.

513
00:21:37,720 --> 00:21:38,879
Speaker 1: I think there can be a lot of guilt there.

514
00:21:38,880 --> 00:21:40,760
Speaker 1: And by the way, if you're looking to buy a casket,

515
00:21:40,800 --> 00:21:43,800
Speaker 1: if you're saying no, we're going to go the burial route,

516
00:21:44,560 --> 00:21:47,680
Speaker 1: buying the casket yourself is often a better way to go.

517
00:21:47,840 --> 00:21:50,520
Speaker 1: And you can go to Costco truly like they Costco

518
00:21:50,600 --> 00:21:51,480
Speaker 1: has and.

519
00:21:51,600 --> 00:21:54,159
Speaker 2: It always makes those lists of like, yeah, weird things

520
00:21:54,200 --> 00:21:56,000
Speaker 2: you never hear that Costco is sold.

521
00:21:55,720 --> 00:21:57,679
Speaker 1: And their caskets run the gamut. You can get like

522
00:21:57,680 --> 00:21:59,760
Speaker 1: a six casket and get a wheel of cheese, giant

523
00:21:59,760 --> 00:22:01,760
Speaker 1: wheel cheese, and you can get a gasket and you

524
00:22:01,760 --> 00:22:03,880
Speaker 1: can bury your wheel a cheese. That's what you really

525
00:22:03,920 --> 00:22:05,600
Speaker 1: want to do. But yeah, that's a great place to

526
00:22:05,640 --> 00:22:07,840
Speaker 1: turn forward the casket as opposed to getting it with

527
00:22:07,920 --> 00:22:10,320
Speaker 1: the markup from the funeral home. You can go ahead

528
00:22:10,320 --> 00:22:10,679
Speaker 1: and get that.

529
00:22:10,840 --> 00:22:12,920
Speaker 2: Yeah, So how do you feel about donating your body

530
00:22:12,960 --> 00:22:14,800
Speaker 2: to science, because that's a way that you can avoid

531
00:22:14,920 --> 00:22:17,639
Speaker 2: that's true because she was talking about avoiding the embalming

532
00:22:17,680 --> 00:22:19,320
Speaker 2: side of things. That's certainly a way to save a

533
00:22:19,320 --> 00:22:21,359
Speaker 2: few hundred dollars, right if you just go with the

534
00:22:21,440 --> 00:22:24,520
Speaker 2: it's called an immediate burial, as opposed to having a

535
00:22:24,520 --> 00:22:28,000
Speaker 2: showing where they're you know, chemicals injected in the body

536
00:22:28,040 --> 00:22:30,960
Speaker 2: to preserve the body so it doesn't start going bad.

537
00:22:31,080 --> 00:22:33,960
Speaker 1: A relatively new phenomenon. I mean, it's I don't kind

538
00:22:33,960 --> 00:22:34,240
Speaker 1: of weird.

539
00:22:34,280 --> 00:22:36,360
Speaker 2: I don't love it. But when you donate your body

540
00:22:36,440 --> 00:22:38,720
Speaker 2: to science, obviously that allows you I love it because

541
00:22:38,760 --> 00:22:42,280
Speaker 2: it allows you to have a memorial service on your

542
00:22:42,280 --> 00:22:44,359
Speaker 2: own time, like on your own timeline, Like you're not

543
00:22:44,520 --> 00:22:47,000
Speaker 2: rushed into making a decision, which also means that you

544
00:22:47,040 --> 00:22:50,280
Speaker 2: can probably find the best rates, whether it's at a

545
00:22:50,359 --> 00:22:52,919
Speaker 2: venue or even at a church, because they're probably going

546
00:22:53,000 --> 00:22:55,040
Speaker 2: to charge you something. But if you can schedule it

547
00:22:55,160 --> 00:22:58,120
Speaker 2: well in advance, that not only gives you the ability

548
00:22:58,119 --> 00:22:59,920
Speaker 2: to save more money, but I think it allows folks

549
00:22:59,880 --> 00:23:01,960
Speaker 2: to schedule a little bit and say, all right, I

550
00:23:02,000 --> 00:23:03,960
Speaker 2: need to make sure to be there for the celebration

551
00:23:04,040 --> 00:23:07,200
Speaker 2: of life service. Sorry tangent, how do you feel about

552
00:23:07,200 --> 00:23:09,119
Speaker 2: donating your body to science? I'm down with it, all right,

553
00:23:09,160 --> 00:23:10,560
Speaker 2: down with it? Yeah, yeah, and you can would you

554
00:23:10,560 --> 00:23:10,960
Speaker 2: want to do that?

555
00:23:11,000 --> 00:23:12,840
Speaker 1: You just tell yourself, right, so it's listed on your

556
00:23:12,880 --> 00:23:14,720
Speaker 1: on your driver's license, whether or not you're.

557
00:23:14,560 --> 00:23:17,160
Speaker 2: An organ owner. But I don't know body donor Oh

558
00:23:17,320 --> 00:23:18,280
Speaker 2: well yeah that separate.

559
00:23:18,320 --> 00:23:20,320
Speaker 1: No, I guess that'd be separate, right, I'm like a

560
00:23:20,359 --> 00:23:22,240
Speaker 1: cadaver for medical Students'm okay with that.

561
00:23:22,280 --> 00:23:23,720
Speaker 2: I'm down for the cremation. I don't know how I

562
00:23:23,760 --> 00:23:27,000
Speaker 2: feel about med students. I like it because it furthers science,

563
00:23:27,040 --> 00:23:29,440
Speaker 2: but something about them like picking.

564
00:23:29,240 --> 00:23:31,679
Speaker 1: Ap heart your body. Now I'm more than okay with that.

565
00:23:31,720 --> 00:23:32,840
Speaker 1: I mean, what else is my body going to be

566
00:23:32,920 --> 00:23:34,840
Speaker 1: used for except for like the furthering of humanity?

567
00:23:34,920 --> 00:23:37,000
Speaker 2: Right? So, like, I love the ideal of it, but

568
00:23:37,000 --> 00:23:38,840
Speaker 2: I would much rather have my ashes scattered in some

569
00:23:38,920 --> 00:23:41,399
Speaker 2: meaningful special place. Yeah, that my family can go is

570
00:23:41,480 --> 00:23:43,320
Speaker 2: like a top of a mountain. Maybe it'll be at

571
00:23:43,359 --> 00:23:46,359
Speaker 2: the top of Bowski style paundry peak over there outside

572
00:23:46,359 --> 00:23:50,840
Speaker 2: of Breck speaking of fourteen ers. Yeah, not big Lebowski

573
00:23:50,840 --> 00:23:52,840
Speaker 2: style with the ash all up in your face.

574
00:23:52,880 --> 00:23:54,359
Speaker 1: All Right, we got We've got more to get to

575
00:23:54,560 --> 00:23:58,520
Speaker 1: on this episode, including questions about financial skeletons in the closet,

576
00:23:58,720 --> 00:24:00,720
Speaker 1: and maybe how to have a minie willist Halloween, and

577
00:24:00,760 --> 00:24:02,639
Speaker 1: we can I think some of these will be applicable

578
00:24:02,680 --> 00:24:04,760
Speaker 1: to like how you think about Halloween for next year too.

579
00:24:04,920 --> 00:24:07,639
Speaker 1: We'll get to more spooky money questions on today's How

580
00:24:07,720 --> 00:24:08,560
Speaker 1: to Money right after this.

581
00:24:17,080 --> 00:24:18,760
Speaker 2: All right, we are back from the break. We've got

582
00:24:18,760 --> 00:24:21,600
Speaker 2: more Halloween themed questions for folks. We're actually going to

583
00:24:21,640 --> 00:24:23,840
Speaker 2: talk about pumpkin spice lattes here in a minute too,

584
00:24:23,920 --> 00:24:27,160
Speaker 2: But first let's hear from a listener up in New York.

585
00:24:27,520 --> 00:24:30,520
Speaker 3: Hi. Joel and Matt This is Madison from New York City.

586
00:24:31,040 --> 00:24:33,159
Speaker 3: I am a twenty four year old who is totally

587
00:24:33,200 --> 00:24:35,879
Speaker 3: spooked by how to save up for a vacation and

588
00:24:35,960 --> 00:24:39,679
Speaker 3: spend on a vacation without feeling guilty and without backtracking

589
00:24:39,720 --> 00:24:43,240
Speaker 3: on my financial goals. I discovered your podcast during the

590
00:24:43,280 --> 00:24:46,600
Speaker 3: pandemic and am in a good place financially. I'm lucky

591
00:24:46,600 --> 00:24:49,560
Speaker 3: to not have student loans. I've contributed to my roth

592
00:24:49,600 --> 00:24:52,760
Speaker 3: ira since twenty nineteen, and I take advantage of my

593
00:24:52,840 --> 00:24:55,480
Speaker 3: employers for a one K match. I am just getting

594
00:24:55,520 --> 00:24:59,640
Speaker 3: started on putting money into an individual brokerage account. However,

595
00:25:00,040 --> 00:25:02,760
Speaker 3: with high cost of living in New York City, especially RANT,

596
00:25:03,160 --> 00:25:05,280
Speaker 3: I find it hard to do anything. On top of that,

597
00:25:05,720 --> 00:25:08,000
Speaker 3: I am super spooked by the idea of straying from

598
00:25:08,040 --> 00:25:10,520
Speaker 3: my goals and strategies, but I know I need a

599
00:25:10,520 --> 00:25:12,600
Speaker 3: break and want to plan for a vacation in a

600
00:25:12,640 --> 00:25:15,919
Speaker 3: smart way. Any advice for a newly minted adult figuring

601
00:25:15,960 --> 00:25:18,600
Speaker 3: out how to vacation. The idea of saving up a

602
00:25:18,600 --> 00:25:21,080
Speaker 3: few thousand dollars for leisure seems like a far off

603
00:25:21,080 --> 00:25:23,600
Speaker 3: goal for me. I know there are credit card point

604
00:25:23,640 --> 00:25:25,879
Speaker 3: hacks and other tips and tricks to take advantage of

605
00:25:26,400 --> 00:25:28,680
Speaker 3: where would you recommend starting and how can I shake

606
00:25:28,800 --> 00:25:31,639
Speaker 3: this spooked feeling? Thanks for all you guys do, and

607
00:25:31,680 --> 00:25:32,800
Speaker 3: happy spooky.

608
00:25:32,400 --> 00:25:33,640
Speaker 2: Season, Matt.

609
00:25:33,680 --> 00:25:35,879
Speaker 1: I love I love this question, and I love hearing

610
00:25:35,920 --> 00:25:38,520
Speaker 1: from someone like Madison because she feels like she feels

611
00:25:38,520 --> 00:25:41,159
Speaker 1: like someone like I can identify with the struggle that

612
00:25:41,200 --> 00:25:43,400
Speaker 1: she's going through, because that's something that I went through

613
00:25:43,440 --> 00:25:45,600
Speaker 1: early on when I was like, I really want to

614
00:25:45,600 --> 00:25:49,000
Speaker 1: make a lot of financial progress, and it got to

615
00:25:49,040 --> 00:25:51,600
Speaker 1: the point of hyper frugality at times for me. I've

616
00:25:51,640 --> 00:25:54,240
Speaker 1: grown a lot since then, but I get how, especially

617
00:25:54,280 --> 00:25:56,400
Speaker 1: in those early years, you just feel like funneling more

618
00:25:56,400 --> 00:25:57,880
Speaker 1: and more money is going to help set you up

619
00:25:58,160 --> 00:25:59,960
Speaker 1: into those retirementccounts is going to help set you up

620
00:25:59,960 --> 00:26:02,440
Speaker 1: for your future. But she's in such a good spot here,

621
00:26:02,560 --> 00:26:05,960
Speaker 1: no student loans, right, getting the match every year, contributing

622
00:26:06,040 --> 00:26:09,240
Speaker 1: significantly to her roth IRA, and opening the brokerage account

623
00:26:09,280 --> 00:26:12,320
Speaker 1: on top of it. I think she's way beyond where

624
00:26:12,320 --> 00:26:14,600
Speaker 1: most of her friends and coworkers are with their finances,

625
00:26:14,600 --> 00:26:17,480
Speaker 1: and she should feel really proud about all the progress

626
00:26:17,520 --> 00:26:17,880
Speaker 1: she's made.

627
00:26:17,920 --> 00:26:20,320
Speaker 2: Yeah. Absolutely, And at the core of the issue here,

628
00:26:20,359 --> 00:26:23,719
Speaker 2: I think is mindset right because The truth is, if

629
00:26:23,760 --> 00:26:25,959
Speaker 2: you can't find the space in your budget for your

630
00:26:25,960 --> 00:26:28,320
Speaker 2: craft beer equivalent, if you can't change how it is

631
00:26:28,359 --> 00:26:30,240
Speaker 2: that you're thinking about your money, If you can't enjoy

632
00:26:30,720 --> 00:26:33,960
Speaker 2: some of the fruits of your labor while simultaneously saving

633
00:26:33,960 --> 00:26:35,760
Speaker 2: and investing for the future, then you're going to get

634
00:26:35,760 --> 00:26:40,320
Speaker 2: burned out. This is like a core, crucial, fundamental question.

635
00:26:40,680 --> 00:26:42,760
Speaker 2: And just punting those trips that you want to take

636
00:26:42,880 --> 00:26:44,679
Speaker 2: for a few more years and then a few more

637
00:26:44,760 --> 00:26:46,800
Speaker 2: years after that, Like that seems like a really bad

638
00:26:46,800 --> 00:26:49,720
Speaker 2: idea from a bounce perspective, And so I love that

639
00:26:49,760 --> 00:26:53,159
Speaker 2: you're wrestling with these ideas at a younger age so

640
00:26:53,200 --> 00:26:55,719
Speaker 2: that you can hopefully instill some habits, right, you can

641
00:26:55,760 --> 00:26:59,280
Speaker 2: build up a pattern of spending some of your money now,

642
00:26:59,520 --> 00:27:02,439
Speaker 2: because honestly, none of us are guaranteed tomorrow, and so

643
00:27:02,840 --> 00:27:05,960
Speaker 2: that's a little you know, Halloween spooky spookiness. I'm sure

644
00:27:06,640 --> 00:27:08,919
Speaker 2: interviews like we may not be around, and so I

645
00:27:08,920 --> 00:27:12,120
Speaker 2: think it's important to live They did, yes, like, if

646
00:27:12,119 --> 00:27:14,600
Speaker 2: we can start living in the way that we want

647
00:27:14,640 --> 00:27:17,280
Speaker 2: to live in the future a little bit now, I

648
00:27:17,280 --> 00:27:20,400
Speaker 2: think that's going to go along a long ways, not

649
00:27:20,440 --> 00:27:22,480
Speaker 2: only from a standpoint of how you're thinking about money,

650
00:27:22,480 --> 00:27:24,360
Speaker 2: but it has a lot to do with your happiness

651
00:27:24,359 --> 00:27:26,080
Speaker 2: in the hearing, now, yeah it does well.

652
00:27:26,080 --> 00:27:28,680
Speaker 1: And we talk about their statistics about people that take

653
00:27:28,680 --> 00:27:31,440
Speaker 1: all their vacation end up they end up doing better

654
00:27:31,480 --> 00:27:33,359
Speaker 1: in their career, right because they end up getting the

655
00:27:33,440 --> 00:27:35,560
Speaker 1: rest that they need, they get to get away from

656
00:27:35,560 --> 00:27:38,120
Speaker 1: their work for a week or two, and it ends

657
00:27:38,200 --> 00:27:40,919
Speaker 1: up making them more productive better at their job. And

658
00:27:40,960 --> 00:27:42,320
Speaker 1: so you have to think about it like that too.

659
00:27:42,359 --> 00:27:45,359
Speaker 1: It's it is actually kind of a good kind of

660
00:27:45,359 --> 00:27:47,679
Speaker 1: selfish play to take your vacation. I think it's that

661
00:27:47,760 --> 00:27:48,280
Speaker 1: self care.

662
00:27:48,320 --> 00:27:51,520
Speaker 2: Yeah, right, like you can't continually burn the candle's I

663
00:27:51,520 --> 00:27:54,639
Speaker 2: mean take it to the it's logical extreme where it's

664
00:27:54,680 --> 00:27:56,879
Speaker 2: just like, okay, well I gotta work multiple jobs, I

665
00:27:56,920 --> 00:28:00,480
Speaker 2: gotta pull all nighters. How long is that going to look? Right?

666
00:28:00,760 --> 00:28:03,359
Speaker 2: I mean your body will literally start breaking down and

667
00:28:03,440 --> 00:28:06,320
Speaker 2: you will not be able to maintain that pace. It's

668
00:28:06,359 --> 00:28:07,520
Speaker 2: more of a marathon than a sprint.

669
00:28:07,560 --> 00:28:09,320
Speaker 1: But I think for someone like Madison, maybe that's the

670
00:28:09,359 --> 00:28:11,520
Speaker 1: way to look at it, is like, oh wait a second,

671
00:28:11,520 --> 00:28:13,600
Speaker 1: if I don't take this vacation, guess what, it's gonna

672
00:28:13,600 --> 00:28:16,240
Speaker 1: be worse for my finances, and I think maybe, so

673
00:28:16,280 --> 00:28:18,320
Speaker 1: maybe I'll prod you in that direction is to like

674
00:28:18,560 --> 00:28:21,399
Speaker 1: look at some of that research about how people taking

675
00:28:21,400 --> 00:28:23,639
Speaker 1: all their vacation time actually benefits them in their career,

676
00:28:23,800 --> 00:28:25,760
Speaker 1: and maybe that'll cause you to take the opposite, like

677
00:28:25,840 --> 00:28:28,119
Speaker 1: I can't afford not to take that vacation that I

678
00:28:28,160 --> 00:28:29,960
Speaker 1: want to take, right. And my guess is that based

679
00:28:29,960 --> 00:28:32,520
Speaker 1: on how you handle your finances, that you aren't spending

680
00:28:32,520 --> 00:28:34,200
Speaker 1: like a drunken sailor or anything like that, right.

681
00:28:34,280 --> 00:28:36,440
Speaker 2: That's just doing good. Yeah, And so the good money

682
00:28:36,440 --> 00:28:37,080
Speaker 2: moves right.

683
00:28:37,560 --> 00:28:40,280
Speaker 1: And if you're investing that much and that regularly, your

684
00:28:40,280 --> 00:28:42,880
Speaker 1: budget is probably really buttoned up too. But it's a

685
00:28:42,880 --> 00:28:44,560
Speaker 1: good idea idea to take a look and see if

686
00:28:44,600 --> 00:28:46,440
Speaker 1: you can curb spending on a couple of things that

687
00:28:46,480 --> 00:28:48,680
Speaker 1: maybe you don't care that much about. For example, thinking

688
00:28:48,760 --> 00:28:50,920
Speaker 1: like your cell phone service, can you get it from

689
00:28:51,160 --> 00:28:53,160
Speaker 1: seventy bucks a month to fifteen bucks a month? Maybe

690
00:28:53,160 --> 00:28:54,920
Speaker 1: you've already done that, but that's just a thought like

691
00:28:55,000 --> 00:28:56,640
Speaker 1: were you to do that, you might be able to

692
00:28:56,680 --> 00:28:58,920
Speaker 1: mentally account for some of the fun money that you're

693
00:28:58,920 --> 00:29:01,200
Speaker 1: going to spend in the future for for funneling more

694
00:29:01,240 --> 00:29:04,320
Speaker 1: dollars towards the vacation fund, so you can take that

695
00:29:04,440 --> 00:29:08,320
Speaker 1: one international or at least awesome domestic trip every single year.

696
00:29:08,600 --> 00:29:10,640
Speaker 1: You're able to justify that spending. You're able to go

697
00:29:10,680 --> 00:29:13,960
Speaker 1: on vacation without the guilt because you've reassigned those fifty

698
00:29:14,000 --> 00:29:16,800
Speaker 1: five bucks every single month that you just saved. Your

699
00:29:16,840 --> 00:29:19,640
Speaker 1: overall expenses haven't really changed all that much. You haven't

700
00:29:19,640 --> 00:29:22,040
Speaker 1: really changed your lifestyle, but you've found a couple of

701
00:29:22,040 --> 00:29:25,120
Speaker 1: ways to cut back that aren't necessarily like pinching you hard.

702
00:29:25,600 --> 00:29:27,560
Speaker 1: You're still getting a very similar product at the end

703
00:29:27,600 --> 00:29:29,880
Speaker 1: of the day, but you still were able to make

704
00:29:29,920 --> 00:29:30,280
Speaker 1: more room.

705
00:29:30,400 --> 00:29:33,560
Speaker 2: Yeah, it's more efficient. You have reprioritized those dollars. You're

706
00:29:33,600 --> 00:29:36,760
Speaker 2: like redeploying certain dollars. It's like, Okay, all of these

707
00:29:36,800 --> 00:29:38,960
Speaker 2: dollars over here, we're kind of being wasted because I

708
00:29:38,960 --> 00:29:40,880
Speaker 2: can get that for a lot a lot cheaper, and

709
00:29:40,920 --> 00:29:43,160
Speaker 2: now instead you're able to put that money towards your travel.

710
00:29:43,560 --> 00:29:46,240
Speaker 2: But other than that, Madison, and this might sound crazy,

711
00:29:46,600 --> 00:29:51,720
Speaker 2: but consider dialing back on your actual investments. This kind

712
00:29:51,720 --> 00:29:53,360
Speaker 2: of goes on line with what you're sayingel about how

713
00:29:53,400 --> 00:29:55,880
Speaker 2: it is that you think about working and working more

714
00:29:55,960 --> 00:29:58,600
Speaker 2: versus working less. Did you hear my audible gas? I did?

715
00:29:58,920 --> 00:30:02,720
Speaker 2: I think? Yeah, Madison heard. But if you are going

716
00:30:02,760 --> 00:30:04,719
Speaker 2: above and beyond the match, if you are maxing out

717
00:30:04,720 --> 00:30:08,280
Speaker 2: your wrath already, well maybe that taxable brokerage account can wait.

718
00:30:08,760 --> 00:30:11,719
Speaker 2: We don't want you to live the spooky existence of

719
00:30:11,760 --> 00:30:14,760
Speaker 2: building up massive dollars of investments but missing out on

720
00:30:14,800 --> 00:30:17,080
Speaker 2: the joy of vacationing in your twenties, hanging out with

721
00:30:17,080 --> 00:30:19,360
Speaker 2: your friends. By the way, this is part of the

722
00:30:19,400 --> 00:30:23,800
Speaker 2: reason that we're not fire adherents right financial independence, retire early.

723
00:30:24,120 --> 00:30:25,120
Speaker 1: There is a lot of.

724
00:30:25,080 --> 00:30:28,320
Speaker 2: Emphasis on the future, which isn't It's not terrible, it's

725
00:30:28,360 --> 00:30:30,800
Speaker 2: not bad, But often it is at the expense of

726
00:30:30,840 --> 00:30:34,600
Speaker 2: the present, which we feel is not good. There's a

727
00:30:34,640 --> 00:30:38,160
Speaker 2: big difference between enjoying the here and now versus yolo. Right,

728
00:30:38,200 --> 00:30:41,160
Speaker 2: There's a difference in the ability to wisely spend your

729
00:30:41,160 --> 00:30:45,920
Speaker 2: dollars in meaningful ways today versus going all out and

730
00:30:46,160 --> 00:30:48,960
Speaker 2: going for bankrupt and funneling a few more dollars towards

731
00:30:49,040 --> 00:30:51,240
Speaker 2: memorable trips. It sounds really wise to us, and it

732
00:30:51,240 --> 00:30:53,440
Speaker 2: sounds like it's something that you want to do as well,

733
00:30:53,480 --> 00:30:56,680
Speaker 2: So use that desire to want to go on some

734
00:30:56,720 --> 00:31:00,120
Speaker 2: of these vacations. Use that as fuel to push you

735
00:31:00,320 --> 00:31:00,920
Speaker 2: in the right rug.

736
00:31:01,040 --> 00:31:03,040
Speaker 1: Yeah, and she mentioned credit card points, and I do

737
00:31:03,080 --> 00:31:04,960
Speaker 1: think that that can be part of your strategy, and

738
00:31:04,960 --> 00:31:07,560
Speaker 1: it's a helpful part of your strategy, right, Like, if

739
00:31:07,600 --> 00:31:09,920
Speaker 1: you're going to use credit cards wisely, which I would

740
00:31:09,960 --> 00:31:13,600
Speaker 1: imagine you are going to, then using those getting the

741
00:31:13,600 --> 00:31:16,680
Speaker 1: sign up bonuses, adding those points, you know, getting those

742
00:31:16,680 --> 00:31:19,200
Speaker 1: points that you can spend on a hotel stay or

743
00:31:19,240 --> 00:31:23,200
Speaker 1: a free flight, maybe like that can help significantly reduce.

744
00:31:23,120 --> 00:31:24,280
Speaker 2: The cost of your trip.

745
00:31:24,520 --> 00:31:26,760
Speaker 1: And so yeah, save up a little more money, use

746
00:31:26,760 --> 00:31:28,600
Speaker 1: some points to your advantage as well. Like Emily and

747
00:31:28,640 --> 00:31:31,480
Speaker 1: I when we went to New York, map Southwest points

748
00:31:31,480 --> 00:31:33,560
Speaker 1: for the win right there, free flights for both of us.

749
00:31:33,760 --> 00:31:36,240
Speaker 1: That is the kind of thing that can significantly help

750
00:31:36,320 --> 00:31:39,920
Speaker 1: you make that trip more achievable, less costly. And so

751
00:31:40,120 --> 00:31:42,280
Speaker 1: maybe that can be that extra kind of kicking the

752
00:31:42,320 --> 00:31:45,000
Speaker 1: pants to get you out the door, onto the plane

753
00:31:45,080 --> 00:31:47,160
Speaker 1: and on top, yeah, out of the office.

754
00:31:47,240 --> 00:31:48,800
Speaker 2: And the more you think about it too, right, because

755
00:31:48,920 --> 00:31:51,360
Speaker 2: like in a way, the points game, it's it's gamifying it.

756
00:31:51,440 --> 00:31:53,680
Speaker 2: And so what I found though, is the more you

757
00:31:54,040 --> 00:31:56,480
Speaker 2: more time you spend playing a game, the more interested

758
00:31:56,520 --> 00:31:58,400
Speaker 2: you get in it, and that might even cause you

759
00:31:58,440 --> 00:32:00,440
Speaker 2: to want to take it even more after you've worked

760
00:32:00,440 --> 00:32:03,320
Speaker 2: towards acquiring some of those points. And one last little

761
00:32:03,320 --> 00:32:06,720
Speaker 2: bit of counterintuitive advice, Like you're talking about working less

762
00:32:06,920 --> 00:32:09,760
Speaker 2: so that you could make more, we talked about investing

763
00:32:09,880 --> 00:32:12,520
Speaker 2: less so that you can live more. How about getting

764
00:32:12,520 --> 00:32:17,480
Speaker 2: a bigger place in New York? And here's the catch waiting. Yes,

765
00:32:17,600 --> 00:32:19,440
Speaker 2: the rent's going to be more expensive on a bigger place,

766
00:32:19,480 --> 00:32:21,400
Speaker 2: But what if you're able to add, Like say, right now,

767
00:32:21,440 --> 00:32:23,840
Speaker 2: you have one roommate, right, because you got the smallest

768
00:32:23,840 --> 00:32:25,600
Speaker 2: place that you could possibly manage. What if you get

769
00:32:25,600 --> 00:32:27,200
Speaker 2: a slightly bigger place and it means adding two more

770
00:32:27,280 --> 00:32:29,400
Speaker 2: roommates or even three more roommates, right, what if there's

771
00:32:29,400 --> 00:32:32,360
Speaker 2: five of y'all splitting rent? I think and I mentioned

772
00:32:32,360 --> 00:32:35,200
Speaker 2: this because she's talking about how expensive it is to

773
00:32:35,280 --> 00:32:37,440
Speaker 2: live in New York, which is accurate. Yes, I mean

774
00:32:37,440 --> 00:32:40,600
Speaker 2: that is I'm sure that is easily her largest single

775
00:32:40,640 --> 00:32:42,680
Speaker 2: line item in her budget every single month. But I

776
00:32:42,680 --> 00:32:45,280
Speaker 2: think thinking through some different creative ways to reduce that

777
00:32:45,320 --> 00:32:48,720
Speaker 2: one particular expense could more than easily cover the cost

778
00:32:48,720 --> 00:32:51,880
Speaker 2: of multiple, honestly multiple vacations. Yeah, it makes me think

779
00:32:51,920 --> 00:32:54,840
Speaker 2: of I had a friend and he did that, dude.

780
00:32:55,080 --> 00:32:58,160
Speaker 2: It's made the headlines more recently. It's called hot betting.

781
00:32:58,320 --> 00:33:00,760
Speaker 2: He was hot betting before it was cool. But literally,

782
00:33:00,800 --> 00:33:03,400
Speaker 2: it's a single bedroom place and you share a big

783
00:33:03,520 --> 00:33:05,120
Speaker 2: like they can fit a king sized bed and they're

784
00:33:05,120 --> 00:33:07,360
Speaker 2: so share the bed with your roommate someone you don't

785
00:33:07,400 --> 00:33:10,400
Speaker 2: necessarily know. It's not something I would personally do. Nope, sorry,

786
00:33:10,760 --> 00:33:13,000
Speaker 2: not really interested in that. For cheap, I must say

787
00:33:13,040 --> 00:33:15,440
Speaker 2: that one was cheap for me. We've got another friend

788
00:33:15,440 --> 00:33:17,280
Speaker 2: to each their own, though I guess teach their own.

789
00:33:17,640 --> 00:33:21,080
Speaker 2: She moved from New York actually to New Jersey because

790
00:33:21,120 --> 00:33:24,000
Speaker 2: you just had a reprioritization in life and her she

791
00:33:24,080 --> 00:33:26,360
Speaker 2: still works out of New York. She doesn't talk about

792
00:33:26,360 --> 00:33:28,240
Speaker 2: the whole New Jersey thing, but she just rides the

793
00:33:28,280 --> 00:33:30,200
Speaker 2: train in. And I know living in New York is

794
00:33:30,200 --> 00:33:31,720
Speaker 2: a part of the lifestyle. You're in your twenties, you

795
00:33:31,760 --> 00:33:34,360
Speaker 2: want to be able to experience all that the city

796
00:33:34,480 --> 00:33:36,560
Speaker 2: has to offer. But I think that's another way you

797
00:33:36,560 --> 00:33:40,200
Speaker 2: could potentially cut back again on what I know is

798
00:33:40,240 --> 00:33:41,200
Speaker 2: a massive expense for you.

799
00:33:41,440 --> 00:33:43,200
Speaker 1: Every single I think you're gonna look back, You're gonna

800
00:33:43,200 --> 00:33:46,720
Speaker 1: be really happy five years from now that you're not

801
00:33:46,760 --> 00:33:48,720
Speaker 1: going to miss out on the what fifteen thousand dollars

802
00:33:48,760 --> 00:33:51,120
Speaker 1: of compounding returns, but you are going to miss out

803
00:33:51,120 --> 00:33:53,440
Speaker 1: on those memories because you're gonna you're saving enough, you're

804
00:33:53,440 --> 00:33:56,400
Speaker 1: doing great, like you're crushing You're crushing it compared to

805
00:33:56,520 --> 00:33:59,360
Speaker 1: most people your age. So take your foot off the

806
00:33:59,360 --> 00:34:01,840
Speaker 1: pedal just a little bit. Find these creative ways to

807
00:34:01,960 --> 00:34:04,200
Speaker 1: bring a little more cash or credit card points into

808
00:34:04,200 --> 00:34:05,960
Speaker 1: your life so you can travel without spending a ton

809
00:34:06,000 --> 00:34:07,920
Speaker 1: of money, but also feel free to loosen the purse

810
00:34:07,960 --> 00:34:11,000
Speaker 1: strings just a bit. And I think, yeah, you'll be like, oh, man,

811
00:34:11,080 --> 00:34:13,120
Speaker 1: I took some awesome trips in my twenties, and those

812
00:34:13,160 --> 00:34:15,279
Speaker 1: memories man there for a long time. I'm so glad

813
00:34:15,280 --> 00:34:16,840
Speaker 1: I took all the trips I took in my twenties,

814
00:34:17,080 --> 00:34:20,160
Speaker 1: and I really don't regret the money that I spent

815
00:34:20,200 --> 00:34:22,640
Speaker 1: on those, all right, Joe In the Facebook group, he

816
00:34:22,680 --> 00:34:25,240
Speaker 1: said how much do Americans spend on pumpkin spice lattes?

817
00:34:25,560 --> 00:34:25,840
Speaker 2: Matt.

818
00:34:26,239 --> 00:34:28,680
Speaker 1: A quick Google search on this reveals that Americans spend

819
00:34:28,719 --> 00:34:32,680
Speaker 1: more than five hundred million dollars annually on pumpkin spice products,

820
00:34:32,760 --> 00:34:35,040
Speaker 1: a lot of money, and the average price of a

821
00:34:35,120 --> 00:34:38,040
Speaker 1: single pumpkin spice latte in the United States is five

822
00:34:38,080 --> 00:34:40,160
Speaker 1: dollars and ninety five cents, which is up by about

823
00:34:40,200 --> 00:34:42,640
Speaker 1: fifty cents compared to last year. So let's getting more.

824
00:34:42,560 --> 00:34:45,719
Speaker 2: Expensive to enjoy your you and you enjoyed the The

825
00:34:45,719 --> 00:34:47,960
Speaker 2: PSL listeners know my stance on pumpkin beers.

826
00:34:48,120 --> 00:34:51,399
Speaker 1: I have very similar dance on pumpkin coffee flavored time.

827
00:34:51,480 --> 00:34:54,080
Speaker 2: So it's funny because this year, twenty twenty three, it's

828
00:34:54,080 --> 00:34:58,160
Speaker 2: the twenty year anniversary of when the Pumpkin spice loot

829
00:34:58,320 --> 00:35:00,319
Speaker 2: came out. They really introduced this in two thousand three,

830
00:35:00,320 --> 00:35:02,560
Speaker 2: and I know this for multiple reasons. I know because

831
00:35:02,560 --> 00:35:06,240
Speaker 2: I read it in the news, but I also remember

832
00:35:06,239 --> 00:35:08,160
Speaker 2: when when it came out. I was literally in college

833
00:35:08,160 --> 00:35:11,640
Speaker 2: and then they unveiled like multi there's multiple holiday drinks

834
00:35:11,640 --> 00:35:13,480
Speaker 2: that they came out with. I guess the pumpkins spice

835
00:35:13,520 --> 00:35:15,399
Speaker 2: latte was the one, you know, one of the ones

836
00:35:15,400 --> 00:35:17,680
Speaker 2: that took off. But it did make me wonder how

837
00:35:17,760 --> 00:35:19,840
Speaker 2: much did it used to cost back then? So I

838
00:35:19,840 --> 00:35:22,439
Speaker 2: couldn't find a price if you figure it out. Using

839
00:35:22,480 --> 00:35:25,600
Speaker 2: an inflation calculator, you can estimate that it was it

840
00:35:25,640 --> 00:35:28,840
Speaker 2: costs around four dollars if you adjust for inflation. So

841
00:35:28,920 --> 00:35:31,839
Speaker 2: I thought, of course, I'm into the numbers. How much

842
00:35:31,960 --> 00:35:34,880
Speaker 2: were you to enjoy a pumpkin spice latte. Let's just

843
00:35:34,920 --> 00:35:37,000
Speaker 2: say once a week. Obviously they're not available year round,

844
00:35:37,040 --> 00:35:39,879
Speaker 2: but let's just say once a week four dollars, So

845
00:35:40,080 --> 00:35:42,680
Speaker 2: you know you're dropping sixteen bucks a month. And instead,

846
00:35:43,160 --> 00:35:47,319
Speaker 2: let's say seth person a mister pumpkin spice latte. But

847
00:35:47,400 --> 00:35:50,400
Speaker 2: let's say the person B is mister or miss S

848
00:35:50,440 --> 00:35:54,120
Speaker 2: and P five hundred, and instead they take that money

849
00:35:54,360 --> 00:35:56,360
Speaker 2: and invested it in the S and P of five hundred.

850
00:35:56,800 --> 00:35:59,560
Speaker 2: Compounding over the past twenty years, the SMP has earned

851
00:35:59,680 --> 00:36:02,560
Speaker 2: nine in three quarters. If you were to have invested

852
00:36:02,600 --> 00:36:06,040
Speaker 2: that for the past twenty years, you would have over

853
00:36:06,120 --> 00:36:09,480
Speaker 2: three million dollars. I'm kidding, I'm knowing you wouldn't. It's

854
00:36:09,520 --> 00:36:11,239
Speaker 2: actually not an impressive amount of money. It's like a

855
00:36:11,440 --> 00:36:13,200
Speaker 2: few grand, it's like a little it's actually a little

856
00:36:13,200 --> 00:36:14,399
Speaker 2: bit over ten thousand dollars. Oh wow.

857
00:36:14,400 --> 00:36:16,120
Speaker 1: Okay, so it's nothing, which.

858
00:36:15,960 --> 00:36:18,879
Speaker 2: Is maybe more than you think. But also it's not.

859
00:36:19,200 --> 00:36:21,080
Speaker 2: I don't know. It's just like, oh, cut back on

860
00:36:21,120 --> 00:36:22,880
Speaker 2: your lattes and you can afford a house. That's not

861
00:36:22,920 --> 00:36:25,120
Speaker 2: a down payment right on a house. And so the

862
00:36:25,120 --> 00:36:27,920
Speaker 2: moral of this lesson perhaps is maybe you should just

863
00:36:28,040 --> 00:36:30,359
Speaker 2: enjoy the pumpkin spice latte if that is something that

864
00:36:30,400 --> 00:36:33,120
Speaker 2: you actually enjoy. I don't want she's spending blindly without

865
00:36:33,160 --> 00:36:33,799
Speaker 2: even thinking of it.

866
00:36:33,800 --> 00:36:35,279
Speaker 1: Also, within reason, you and I we go to our

867
00:36:35,320 --> 00:36:37,400
Speaker 1: local coffee shop once a week, exactly, That's what we

868
00:36:37,440 --> 00:36:39,200
Speaker 1: do once a week. And because it's like it makes

869
00:36:39,200 --> 00:36:42,080
Speaker 1: it special, makes it memorable. I enjoy it. But if

870
00:36:42,080 --> 00:36:43,680
Speaker 1: we did it every day, wouldn't be nearly a special.

871
00:36:43,680 --> 00:36:46,799
Speaker 2: But Joel, if we invested instead over the next twenty years, right,

872
00:36:46,840 --> 00:36:48,120
Speaker 2: we might we might have ten thousands.

873
00:36:48,120 --> 00:36:49,640
Speaker 1: If we never went on vacations, we'd have a lot

874
00:36:49,680 --> 00:36:51,719
Speaker 1: more money in our retirement accounts to but a much

875
00:36:51,800 --> 00:36:53,960
Speaker 1: blander life, right. Yeah, So all this one comes from

876
00:36:54,000 --> 00:36:56,040
Speaker 1: Cody says. An idea that I have for you guys

877
00:36:56,080 --> 00:36:58,600
Speaker 1: to talk about is financial skeletons in the closet that

878
00:36:58,640 --> 00:37:01,360
Speaker 1: comes up for me. He says, discover financial burdens, mishaps,

879
00:37:01,400 --> 00:37:03,600
Speaker 1: behaviors of loved ones that can break trust, or cause

880
00:37:03,600 --> 00:37:06,399
Speaker 1: harm upon death or while they're still alive. He said,

881
00:37:06,440 --> 00:37:09,920
Speaker 1: something spooky for me is a looming threat of identity theft, password, security,

882
00:37:09,960 --> 00:37:13,360
Speaker 1: sensitive information breaches. How to have the right safeguards in place?

883
00:37:13,600 --> 00:37:16,799
Speaker 2: Yeah, financial, I just like the financial skeletons aspect of it, right,

884
00:37:16,840 --> 00:37:19,880
Speaker 2: because this is why we want the financial lines of

885
00:37:19,880 --> 00:37:22,960
Speaker 2: communication to be open regularly. I mean, you can never

886
00:37:23,000 --> 00:37:26,360
Speaker 2: guarantee that your significant other won't lie to you or

887
00:37:26,400 --> 00:37:29,239
Speaker 2: do something behind your back that puts your finances at risk,

888
00:37:29,520 --> 00:37:31,759
Speaker 2: but you can take some important steps to ensure that

889
00:37:31,840 --> 00:37:34,759
Speaker 2: it is less likely going to happen. And I think

890
00:37:34,840 --> 00:37:39,600
Speaker 2: namely having just regular conversations about shared money goals, about

891
00:37:39,600 --> 00:37:41,840
Speaker 2: how it is that you're achieving those goals, feeling like

892
00:37:41,840 --> 00:37:43,320
Speaker 2: that you're on the same page, that you're on the

893
00:37:43,360 --> 00:37:46,960
Speaker 2: same team, working like, working in the same direction. And

894
00:37:46,960 --> 00:37:48,880
Speaker 2: also make sure that you are allowing each other to

895
00:37:49,120 --> 00:37:52,239
Speaker 2: just have enough financial independence within the relationship. So we're

896
00:37:52,280 --> 00:37:55,880
Speaker 2: talking about a set determined amount of blow money that

897
00:37:56,080 --> 00:37:58,839
Speaker 2: isn't necessarily accountable for to where it feels like that

898
00:37:58,880 --> 00:38:02,480
Speaker 2: there is this inherent trust that's built into your budget.

899
00:38:02,520 --> 00:38:04,640
Speaker 1: You have the tighter those constraints the more likely somebody

900
00:38:04,719 --> 00:38:05,120
Speaker 1: is to be like.

901
00:38:05,360 --> 00:38:07,640
Speaker 2: I can't take it anymore. Right, then you start going

902
00:38:07,680 --> 00:38:10,319
Speaker 2: secret under the radar, spending that kind of thing, open

903
00:38:10,360 --> 00:38:12,440
Speaker 2: a credit card without you're shaving another knowing. I think

904
00:38:12,480 --> 00:38:14,759
Speaker 2: the ability to spend money in the way that each

905
00:38:14,960 --> 00:38:17,040
Speaker 2: of you sees fit at a certain dollar amount that

906
00:38:17,080 --> 00:38:20,239
Speaker 2: you are agree upon with no questions asked, is an

907
00:38:20,239 --> 00:38:23,400
Speaker 2: incredibly healthy way to help ensure that some of this

908
00:38:23,800 --> 00:38:26,600
Speaker 2: financial infidelity doesn't take place. Yeah, all right.

909
00:38:26,880 --> 00:38:29,239
Speaker 1: Cody also mentioned the looming threat of identity theft and

910
00:38:29,239 --> 00:38:32,319
Speaker 1: password security, So I'll just quickly mention some a couple

911
00:38:32,360 --> 00:38:35,520
Speaker 1: of things on both of those. Bitwarden is a free

912
00:38:35,680 --> 00:38:38,640
Speaker 1: kind of password app, all in one password app, which

913
00:38:38,640 --> 00:38:41,080
Speaker 1: a lot of our listeners have recommended Matt and it's Yeah,

914
00:38:41,120 --> 00:38:44,080
Speaker 1: it's open source, completely free. It's definitely worth checking out

915
00:38:44,080 --> 00:38:46,680
Speaker 1: if you're kind of worried about password security and having

916
00:38:46,719 --> 00:38:48,799
Speaker 1: all your passwords in one place. I think Bitwarden's ad

917
00:38:48,880 --> 00:38:50,680
Speaker 1: a good site to turn to when he talks about

918
00:38:50,719 --> 00:38:54,399
Speaker 1: identity theft. Well, the quickest, the best way to shut

919
00:38:54,480 --> 00:38:57,440
Speaker 1: down identity theft is to freeze your credit That's right,

920
00:38:57,480 --> 00:38:59,200
Speaker 1: And so that's how we have an article up on

921
00:38:59,239 --> 00:39:01,360
Speaker 1: that at how do my that we'll put in the

922
00:39:01,400 --> 00:39:05,040
Speaker 1: show notes for this, But the truth is that it's

923
00:39:05,080 --> 00:39:07,000
Speaker 1: a free thing thanks to federal law to be able

924
00:39:07,040 --> 00:39:09,160
Speaker 1: to freeze your credit. It used to cost money, which

925
00:39:09,200 --> 00:39:11,239
Speaker 1: is so frustrating. And there are other things out there

926
00:39:11,239 --> 00:39:13,440
Speaker 1: that are similar that the credit bureaus. We'll try to

927
00:39:13,480 --> 00:39:16,040
Speaker 1: sell you, Oh, do the credit lock instead. It's twenty

928
00:39:16,120 --> 00:39:18,400
Speaker 1: nine to ninety five a month, and that is so bogus,

929
00:39:18,440 --> 00:39:21,160
Speaker 1: and you should avoid it because one it's ridiculously expensive,

930
00:39:21,160 --> 00:39:24,200
Speaker 1: and two it's not even as effective as a credit freeze.

931
00:39:24,239 --> 00:39:27,160
Speaker 1: And so credit freeze is one hundred percent free. It'll

932
00:39:27,160 --> 00:39:29,160
Speaker 1: take you just a few minutes. And the best way

933
00:39:29,200 --> 00:39:31,799
Speaker 1: to prevent someone from stealing your good name and your

934
00:39:31,800 --> 00:39:34,160
Speaker 1: credit is to have a credit credit freeze in place.

935
00:39:34,360 --> 00:39:37,760
Speaker 2: Exactly you want the freeze, not the lock. So speaking

936
00:39:37,800 --> 00:39:41,759
Speaker 2: of financial infidelity, it happens. And actually this Wednesday we

937
00:39:41,960 --> 00:39:44,919
Speaker 2: are talking about pre nups, so you can look forward

938
00:39:44,960 --> 00:39:47,160
Speaker 2: to that and not something we've talked about before here, Yeah,

939
00:39:47,200 --> 00:39:50,440
Speaker 2: not much. So. Our next comment or question comes from

940
00:39:50,640 --> 00:39:53,560
Speaker 2: sir rees. This is over in the Facebook group, and

941
00:39:53,600 --> 00:39:57,120
Speaker 2: she said minimalist Halloween. What would that look like? Both

942
00:39:57,160 --> 00:40:00,640
Speaker 2: financially minimal and in terms of stuff. Want to decorate

943
00:40:00,680 --> 00:40:04,000
Speaker 2: the yard because the neighbors have decorated yards. Mom. The

944
00:40:04,200 --> 00:40:07,000
Speaker 2: candy quality expectations are high, pulling in kids from all

945
00:40:07,000 --> 00:40:09,440
Speaker 2: over the city, resulting in lots of trick or treaters.

946
00:40:09,840 --> 00:40:12,319
Speaker 2: The Halloween costumes are expensive. They take up a lot

947
00:40:12,360 --> 00:40:14,759
Speaker 2: of space in my house, but after they're purchased I

948
00:40:14,760 --> 00:40:16,840
Speaker 2: have a hard time throwing them away because they cost

949
00:40:16,960 --> 00:40:20,839
Speaker 2: so dang much. So minimal Halloween is what she says.

950
00:40:20,840 --> 00:40:24,480
Speaker 2: What are your thoughts here regarding a more minimalist approach

951
00:40:24,680 --> 00:40:27,120
Speaker 2: we were talking about, like the ghost aesthetic kind of

952
00:40:27,120 --> 00:40:30,439
Speaker 2: goes to the whole minimalist and so does so cheap.

953
00:40:30,480 --> 00:40:32,520
Speaker 2: What's your sister a black sheep? That's right? Which was

954
00:40:32,600 --> 00:40:33,560
Speaker 2: she was when she was little?

955
00:40:33,600 --> 00:40:33,759
Speaker 3: Yeah?

956
00:40:33,800 --> 00:40:35,600
Speaker 2: Are you sure she wasn't like a black cat.

957
00:40:35,640 --> 00:40:37,480
Speaker 1: She's still the black sheep of the family. No, it

958
00:40:37,520 --> 00:40:39,920
Speaker 1: was like cotton balls, paste it all over, something like

959
00:40:40,000 --> 00:40:41,920
Speaker 1: a unit tart or something. For real, she was a

960
00:40:41,920 --> 00:40:43,560
Speaker 1: black sheep. I'll have to dig up the picture. Maybe

961
00:40:43,560 --> 00:40:46,560
Speaker 1: we can give you can find the photo, Yeah, we'll

962
00:40:46,600 --> 00:40:47,120
Speaker 1: throw it up there.

963
00:40:47,120 --> 00:40:47,800
Speaker 2: It's good stuff.

964
00:40:47,960 --> 00:40:50,879
Speaker 1: Yeah, I mean, I think the DIY thing right, they're

965
00:40:51,200 --> 00:40:53,719
Speaker 1: creative and cheap ways that you can decorate your yard.

966
00:40:54,000 --> 00:40:56,400
Speaker 1: Actually one of the best yards in our neighborhood. So

967
00:40:56,520 --> 00:40:59,879
Speaker 1: much of the decorations are DIY there. They've got these

968
00:41:00,160 --> 00:41:02,000
Speaker 1: rate ghosts on the front ports that are really cool

969
00:41:02,040 --> 00:41:04,200
Speaker 1: with white bed sheets. They've got these there you go

970
00:41:04,400 --> 00:41:06,360
Speaker 1: eyes and fangs that they've done out of construction of

971
00:41:06,360 --> 00:41:09,160
Speaker 1: paper in the windows. So you know, it costs, It's

972
00:41:09,200 --> 00:41:11,600
Speaker 1: just takes some time and a little bit of creativity,

973
00:41:11,640 --> 00:41:13,920
Speaker 1: a little bit of foresight. You don't really have to

974
00:41:14,080 --> 00:41:17,279
Speaker 1: spend much money. And I would say too, go to

975
00:41:17,320 --> 00:41:20,440
Speaker 1: the thrift store, say hey, we've got a twenty dollars budget. Man,

976
00:41:20,560 --> 00:41:22,239
Speaker 1: this sounds like the most fun. And by the way,

977
00:41:22,520 --> 00:41:25,239
Speaker 1: I mean October thirtieth, I realized that this is not

978
00:41:25,360 --> 00:41:27,799
Speaker 1: something you're probably gonna do today and put them up

979
00:41:27,800 --> 00:41:30,000
Speaker 1: tonight in next six hours to be prepared. Yeah, but

980
00:41:30,040 --> 00:41:32,160
Speaker 1: this for next year, say like, all right, twenty bucks,

981
00:41:32,280 --> 00:41:33,920
Speaker 1: let's get all the cool stuff we can get and

982
00:41:33,960 --> 00:41:35,640
Speaker 1: figure out what we can make out of it, Like

983
00:41:35,680 --> 00:41:37,400
Speaker 1: what a fun little challenge to do with your fam

984
00:41:37,800 --> 00:41:40,239
Speaker 1: And so yeah, I don't think it has to be

985
00:41:40,520 --> 00:41:43,239
Speaker 1: fifty dollars inflatables. I think there's a lot of stuff. Yeah,

986
00:41:43,280 --> 00:41:45,839
Speaker 1: that you can do that. And by the way, inflatables,

987
00:41:46,040 --> 00:41:47,200
Speaker 1: I don't mind some of them, but they can be

988
00:41:47,239 --> 00:41:48,160
Speaker 1: a little boring right.

989
00:41:48,520 --> 00:41:50,600
Speaker 2: Well, and you have to plug them in and they

990
00:41:50,719 --> 00:41:52,879
Speaker 2: require more energy. Like that's the other part of it too,

991
00:41:52,920 --> 00:41:56,279
Speaker 2: is to actually run the decor that you purchased. It

992
00:41:56,360 --> 00:41:57,560
Speaker 2: costs even more money.

993
00:41:57,600 --> 00:41:59,719
Speaker 1: I mean at your last house, Lose Lose, you made

994
00:41:59,760 --> 00:42:03,080
Speaker 1: this really cool giant wooden bat that you painted black

995
00:42:03,400 --> 00:42:04,480
Speaker 1: that you hung up every year.

996
00:42:04,719 --> 00:42:06,640
Speaker 2: And that was evidently the guys that bought the house.

997
00:42:06,760 --> 00:42:08,680
Speaker 2: I think they stick it up every year. You kept it,

998
00:42:08,680 --> 00:42:10,080
Speaker 2: you gave it to them. It was a part of

999
00:42:10,080 --> 00:42:12,440
Speaker 2: the house. Yeah, in our mind, Yeah, are just the

1000
00:42:12,440 --> 00:42:14,560
Speaker 2: design of the house that had this thing that when

1001
00:42:14,560 --> 00:42:16,320
Speaker 2: you step back after we painted the house, we're like,

1002
00:42:16,320 --> 00:42:18,080
Speaker 2: that kind is kind of creepy if we painted that way,

1003
00:42:18,080 --> 00:42:20,080
Speaker 2: because it kind of looks like wings. But then it

1004
00:42:20,080 --> 00:42:21,800
Speaker 2: was actually close to Halloween and I was like, Babe,

1005
00:42:22,239 --> 00:42:24,960
Speaker 2: what if I made like a plywood cut up bat

1006
00:42:25,000 --> 00:42:26,880
Speaker 2: body to go in between those two things and it

1007
00:42:26,920 --> 00:42:30,480
Speaker 2: looks like an actual bat. That's a great way to

1008
00:42:30,840 --> 00:42:32,760
Speaker 2: get that big impact it. No, it's a homemade decoration.

1009
00:42:32,840 --> 00:42:34,080
Speaker 2: Though I forgot all about that.

1010
00:42:34,160 --> 00:42:36,880
Speaker 1: Yeah, and most people don't think about homemade decorations. I

1011
00:42:36,880 --> 00:42:39,600
Speaker 1: think about storebot decorations. They're thinking about the three hundred

1012
00:42:39,640 --> 00:42:42,360
Speaker 1: dollars fourteen foot skeleton from home Depot or whatever. And

1013
00:42:42,400 --> 00:42:44,680
Speaker 1: it's not that that thing's not cool, it's just that, like,

1014
00:42:44,880 --> 00:42:47,239
Speaker 1: you know what's actually cooler, like thinking outside the box

1015
00:42:47,239 --> 00:42:48,920
Speaker 1: and doing it your own way totally.

1016
00:42:48,960 --> 00:42:51,279
Speaker 2: I think Facebook, yard sale, your local brick and mortar

1017
00:42:51,400 --> 00:42:53,200
Speaker 2: kids shop, they can be a great place to turn.

1018
00:42:53,200 --> 00:42:56,520
Speaker 2: When it comes to used costumes as well. There's just

1019
00:42:56,560 --> 00:42:58,919
Speaker 2: no need to buy a brand new costume every single year,

1020
00:42:59,120 --> 00:43:01,200
Speaker 2: and there's no need to hang onto every single costume

1021
00:43:01,200 --> 00:43:04,839
Speaker 2: that you've ever used over the years. And so maybe

1022
00:43:04,880 --> 00:43:06,680
Speaker 2: the best advice we can give now with it being

1023
00:43:06,680 --> 00:43:10,880
Speaker 2: so close to Halloween is think about the day after Halloween,

1024
00:43:10,960 --> 00:43:13,240
Speaker 2: because I think right after Halloween could be the best

1025
00:43:13,280 --> 00:43:17,800
Speaker 2: time to snag all those decorations, all those different costumes,

1026
00:43:18,120 --> 00:43:19,520
Speaker 2: and then the as far as the costumes that you

1027
00:43:19,520 --> 00:43:21,600
Speaker 2: already have, just hang on to them for a single year. Right.

1028
00:43:21,640 --> 00:43:23,440
Speaker 2: You don't have to hang onto every single costume you've

1029
00:43:23,440 --> 00:43:26,040
Speaker 2: ever owned over all the years. Just one year you

1030
00:43:26,120 --> 00:43:27,920
Speaker 2: got one storage bind that you put the costumes in

1031
00:43:27,960 --> 00:43:29,879
Speaker 2: pull them out October first, So that's that thing out

1032
00:43:29,920 --> 00:43:32,720
Speaker 2: in the month of October. Halloween is on everyone's mind.

1033
00:43:33,280 --> 00:43:35,360
Speaker 2: You're gonna be able to like, maybe even get the

1034
00:43:35,400 --> 00:43:37,440
Speaker 2: same price that you paid for that costume. Perhaps, I

1035
00:43:37,440 --> 00:43:39,520
Speaker 2: don't know. It depends on where it inflace, especially.

1036
00:43:39,200 --> 00:43:40,960
Speaker 1: If you've got it used the year before and you're

1037
00:43:41,000 --> 00:43:42,879
Speaker 1: selling it you like you, yeah, you might break even.

1038
00:43:43,000 --> 00:43:46,480
Speaker 2: Halloween costume arbitrage is what that is, Yes, exactly, all right.

1039
00:43:46,520 --> 00:43:48,440
Speaker 1: Next question, This one's from Marls, who says, all right,

1040
00:43:48,480 --> 00:43:50,719
Speaker 1: one of the spookiest financial stories I've heard this year

1041
00:43:50,800 --> 00:43:53,800
Speaker 1: is the aftermath of the Robinhood horror stories for people

1042
00:43:53,800 --> 00:43:56,760
Speaker 1: who got unexpected tax bills now from day trading without

1043
00:43:56,800 --> 00:43:59,480
Speaker 1: doing enough research beforehand. And so, Matt, you want to

1044
00:43:59,520 --> 00:44:01,640
Speaker 1: opine on and I talk about kind of what happened

1045
00:44:01,640 --> 00:44:02,640
Speaker 1: to some of those investors.

1046
00:44:02,640 --> 00:44:04,959
Speaker 2: I feel like this happens every year where folks are

1047
00:44:05,280 --> 00:44:08,080
Speaker 2: they're trading inside of the brokerage accounts, right, and obviously

1048
00:44:08,080 --> 00:44:10,200
Speaker 2: they're doing it more within robin Hood because of the

1049
00:44:10,239 --> 00:44:11,719
Speaker 2: interface or because of the confetti.

1050
00:44:11,880 --> 00:44:14,799
Speaker 1: The literally statistics showing how much more there.

1051
00:44:14,719 --> 00:44:16,840
Speaker 2: Was a New York Times analysis, and they found that

1052
00:44:16,920 --> 00:44:19,680
Speaker 2: robin Hood users they buy and trade the riskiest products

1053
00:44:19,840 --> 00:44:22,880
Speaker 2: at the fastest pace compared to users on all the

1054
00:44:22,920 --> 00:44:26,000
Speaker 2: other trading platforms. And it's not it's not even close.

1055
00:44:26,800 --> 00:44:29,920
Speaker 2: Those trades done inside of a taxable brokerage account, they

1056
00:44:29,960 --> 00:44:33,720
Speaker 2: come with massive packs consequences in addition to the extreme

1057
00:44:33,840 --> 00:44:38,000
Speaker 2: swings and just poor behavior that robin Hood incentivizes, which

1058
00:44:38,320 --> 00:44:41,080
Speaker 2: already leads to worse results for most folks. And this

1059
00:44:41,120 --> 00:44:43,400
Speaker 2: is the best case scenario, right, the fact that they

1060
00:44:43,440 --> 00:44:46,520
Speaker 2: would owe money, because when you trade based on headlines,

1061
00:44:46,560 --> 00:44:49,800
Speaker 2: based on whims, based on how lunch is settling in

1062
00:44:49,840 --> 00:44:51,840
Speaker 2: your stomach from that day, or like what your friends

1063
00:44:51,840 --> 00:44:55,759
Speaker 2: are doing, Yeah, owing money to the irs is the

1064
00:44:55,760 --> 00:44:58,520
Speaker 2: best case scenario. And more folks are thinking, man, I

1065
00:44:58,600 --> 00:45:01,440
Speaker 2: wish I owe tax exactly. That would mean I didn't

1066
00:45:01,440 --> 00:45:04,600
Speaker 2: lose half of my investment because I'm losing money hanging

1067
00:45:04,640 --> 00:45:05,000
Speaker 2: over for this.

1068
00:45:05,040 --> 00:45:07,279
Speaker 1: And if you're trading regularly on a platform like that

1069
00:45:07,320 --> 00:45:09,760
Speaker 1: and you think you're doing it in a stoic manner,

1070
00:45:10,000 --> 00:45:12,400
Speaker 1: the truth is that's highly unlikely there. I mean, there

1071
00:45:12,400 --> 00:45:16,640
Speaker 1: are even studies about how judges rule matt In certain cases,

1072
00:45:16,760 --> 00:45:18,760
Speaker 1: they rule based on how hungry they are like before.

1073
00:45:19,040 --> 00:45:21,160
Speaker 2: Now, that's exactly what I was thinking, Like, there are

1074
00:45:21,160 --> 00:45:24,759
Speaker 2: more negative outcomes right before lunch versus right after lunch

1075
00:45:24,800 --> 00:45:26,360
Speaker 2: where they're just fat and happy.

1076
00:45:26,400 --> 00:45:27,960
Speaker 1: And I bet you, I bet if you were to

1077
00:45:28,000 --> 00:45:30,120
Speaker 1: ask them if they do that most of the time,

1078
00:45:30,120 --> 00:45:32,359
Speaker 1: they would probably assume no, no, no, no no, I don't

1079
00:45:32,400 --> 00:45:35,640
Speaker 1: let my hunger influence my legal decision making. I'm a judge,

1080
00:45:35,680 --> 00:45:39,200
Speaker 1: of course I am objective. So clearly the reality is

1081
00:45:39,200 --> 00:45:40,839
Speaker 1: that we as humans, we think we're objective even when

1082
00:45:40,840 --> 00:45:41,080
Speaker 1: we're not.

1083
00:45:41,120 --> 00:45:41,400
Speaker 2: We're not.

1084
00:45:41,560 --> 00:45:43,960
Speaker 1: And most folks don't realize, by the way, that if

1085
00:45:43,960 --> 00:45:45,759
Speaker 1: they own a security for less than a year, less

1086
00:45:45,760 --> 00:45:49,000
Speaker 1: than twelve months, they'll pay ordinary income rates instead of

1087
00:45:49,040 --> 00:45:52,440
Speaker 1: the more favorable capital gains rate. So that's another mistake

1088
00:45:52,440 --> 00:45:54,760
Speaker 1: that a lot of Robinhood traders have made. So let's

1089
00:45:54,880 --> 00:45:58,200
Speaker 1: learn maybe from these spooky financial stories. Let's avoid the

1090
00:45:58,200 --> 00:46:00,880
Speaker 1: traps that so many others have fallen into. Most people

1091
00:46:00,920 --> 00:46:03,000
Speaker 1: don't realize when they open up one of these and

1092
00:46:03,520 --> 00:46:06,000
Speaker 1: so many people are opening up a robin Hood account

1093
00:46:06,280 --> 00:46:09,840
Speaker 1: and they're investing in a taxable broker's account before sticking

1094
00:46:09,880 --> 00:46:12,759
Speaker 1: eighty dollars into a roth IRA too, So there's so

1095
00:46:12,920 --> 00:46:15,920
Speaker 1: many reasons to avoid that route, and it's you know,

1096
00:46:15,960 --> 00:46:18,680
Speaker 1: we talked about the robin Hood match recently and how

1097
00:46:18,719 --> 00:46:22,080
Speaker 1: that can be if you're really disciplined and you're you're

1098
00:46:22,080 --> 00:46:25,240
Speaker 1: a savvy investor, and you're opening up the Robinhood account,

1099
00:46:25,239 --> 00:46:27,480
Speaker 1: but in your funneling, you're maxing out the roth IRA,

1100
00:46:27,600 --> 00:46:30,279
Speaker 1: you're getting the free match, and you're not actually making

1101
00:46:30,280 --> 00:46:33,320
Speaker 1: any day trading sort of decisions. If you can control

1102
00:46:33,360 --> 00:46:35,480
Speaker 1: your behavior to that extent, then maybe it's the right

1103
00:46:35,520 --> 00:46:37,080
Speaker 1: way for you to go. But you gotta be careful

1104
00:46:37,120 --> 00:46:39,200
Speaker 1: because a lot of robin Hood traders can avoid the perils.

1105
00:46:39,239 --> 00:46:41,440
Speaker 2: Yeah. Bottom line, if you are the same type of

1106
00:46:41,440 --> 00:46:44,160
Speaker 2: person that optimizes credit card points, I think you can

1107
00:46:44,160 --> 00:46:47,759
Speaker 2: invest within an IRA, within robin Hood and take full

1108
00:46:47,760 --> 00:46:48,600
Speaker 2: advantage of that match.

1109
00:46:48,880 --> 00:46:53,160
Speaker 1: We got a few more Facebook Halloween related money questions

1110
00:46:53,160 --> 00:46:54,759
Speaker 1: to get you on this episode. We'll get to the

1111
00:46:54,800 --> 00:46:55,920
Speaker 1: rest of them right after this.

1112
00:47:04,320 --> 00:47:06,680
Speaker 2: A. Right, we are back and we will get to

1113
00:47:07,000 --> 00:47:10,360
Speaker 2: our favorite scary movie of all time here in a minute.

1114
00:47:10,360 --> 00:47:12,239
Speaker 2: But so our right before the break, we heard from Marla.

1115
00:47:12,280 --> 00:47:15,160
Speaker 2: We have actually got something else from Marla, and she

1116
00:47:15,239 --> 00:47:17,320
Speaker 2: said this one could be like opening a can of worms.

1117
00:47:17,600 --> 00:47:20,760
Speaker 2: This is a completely wild idea, but in quote unquote,

1118
00:47:20,760 --> 00:47:25,280
Speaker 2: industry that has always fascinated me is sugar daddy sugar

1119
00:47:25,320 --> 00:47:30,120
Speaker 2: baby situations. Additionally, people who monetize their feet on only

1120
00:47:30,200 --> 00:47:34,000
Speaker 2: fans very interesting to me. Yeah, the ethical questions, the

1121
00:47:34,040 --> 00:47:38,239
Speaker 2: financial impact, the idea of monetizing your body. So Joel, Yeah,

1122
00:47:38,239 --> 00:47:40,759
Speaker 2: what are your thoughts on why didn't we leave with OnlyFans?

1123
00:47:40,760 --> 00:47:43,000
Speaker 2: We should have the we missed an Okay, I might

1124
00:47:43,040 --> 00:47:46,000
Speaker 2: actually change bad marketing. I'll change the title of the episode,

1125
00:47:47,000 --> 00:47:49,200
Speaker 2: even though at the beginning we didn't mention that we're

1126
00:47:49,239 --> 00:47:50,160
Speaker 2: the only fan things at all.

1127
00:47:50,200 --> 00:47:52,279
Speaker 1: We've never really tackled that subject on the pods. So

1128
00:47:52,760 --> 00:47:56,080
Speaker 1: I'm glad Marla brought it up because variety is a

1129
00:47:56,080 --> 00:47:58,359
Speaker 1: spice of life, and so we're going to go there.

1130
00:47:59,239 --> 00:48:02,320
Speaker 1: So yeah, let's talk about maybe the merits or lack thereof,

1131
00:48:02,360 --> 00:48:03,600
Speaker 1: of selling feet picks.

1132
00:48:03,320 --> 00:48:03,840
Speaker 2: On the internet.

1133
00:48:03,840 --> 00:48:05,560
Speaker 1: Matt, I don't want to sound like a crude here,

1134
00:48:05,880 --> 00:48:08,000
Speaker 1: but this is not our cup of tea. And I

1135
00:48:08,000 --> 00:48:10,719
Speaker 1: guess my thought is it just because it's potentially profitable

1136
00:48:10,960 --> 00:48:12,799
Speaker 1: doesn't mean that it's good for society or it's a

1137
00:48:12,800 --> 00:48:13,640
Speaker 1: worthwhile endeavor.

1138
00:48:13,640 --> 00:48:16,439
Speaker 2: Totally and so yeah, this feels Yeah, this is airing

1139
00:48:16,480 --> 00:48:17,880
Speaker 2: on the side of cheap as opposed to frugal.

1140
00:48:17,920 --> 00:48:19,520
Speaker 1: I'm willing to leave money on the table, Matt if

1141
00:48:19,520 --> 00:48:20,920
Speaker 1: it means not monetizing my feet.

1142
00:48:21,680 --> 00:48:24,520
Speaker 2: Yeah. This is also a case I think of like

1143
00:48:24,560 --> 00:48:27,360
Speaker 2: a small percentage of folks who are actually making the

1144
00:48:27,400 --> 00:48:30,680
Speaker 2: bulk of the revenue. Some only fans creators. They want

1145
00:48:30,719 --> 00:48:32,200
Speaker 2: to make it sound like like it's some sort of

1146
00:48:32,280 --> 00:48:35,000
Speaker 2: liberating work that everyone out there can participate in. But

1147
00:48:35,040 --> 00:48:38,080
Speaker 2: from what we've read, it's an infanitismally small percentage of

1148
00:48:38,120 --> 00:48:40,440
Speaker 2: the folks on the site who are making.

1149
00:48:40,320 --> 00:48:43,080
Speaker 1: The bulk of the profit of eighty twenty rule. Yeah,

1150
00:48:43,680 --> 00:48:45,880
Speaker 1: I bet it's even more. It's probably way more extremely

1151
00:48:46,560 --> 00:48:47,840
Speaker 1: it's probably like ninety five to.

1152
00:48:47,840 --> 00:48:50,560
Speaker 2: Five, I think, yeah, or like ninety nine to one. Yeah,

1153
00:48:51,320 --> 00:48:53,480
Speaker 2: I think there's Yeah, there are some folks who might

1154
00:48:53,480 --> 00:48:57,200
Speaker 2: be able to turn a site like that into a

1155
00:48:57,280 --> 00:49:00,279
Speaker 2: lucrative career if you want to even call it that.

1156
00:49:00,520 --> 00:49:03,239
Speaker 2: But just from a financi just remove the morals from it,

1157
00:49:04,200 --> 00:49:05,719
Speaker 2: you know, if you're only looking at the numbers, if

1158
00:49:05,719 --> 00:49:08,400
Speaker 2: you're only looking at the finances, it's not gonna work out.

1159
00:49:08,440 --> 00:49:10,360
Speaker 2: The numbers aren't going to pan out in your favor

1160
00:49:10,400 --> 00:49:13,080
Speaker 2: for the vast majority of folks who are going to

1161
00:49:13,080 --> 00:49:14,560
Speaker 2: give it a shot. And I don't think Marla was

1162
00:49:14,600 --> 00:49:16,200
Speaker 2: saying she's interested in this. I think she's just.

1163
00:49:16,200 --> 00:49:18,360
Speaker 1: Curious about how Star is interested her it is. It

1164
00:49:18,480 --> 00:49:21,400
Speaker 1: has been interesting to see the rise of the direct

1165
00:49:21,640 --> 00:49:28,040
Speaker 1: creator to audience route that people are taking, and in

1166
00:49:28,080 --> 00:49:30,480
Speaker 1: some ways it's it's like the rest of media, right,

1167
00:49:30,560 --> 00:49:33,239
Speaker 1: it's become very much direct to audience. We're cutting out

1168
00:49:33,239 --> 00:49:36,040
Speaker 1: the middleman. And so where do you go get your news? Well,

1169
00:49:36,080 --> 00:49:39,240
Speaker 1: it's often not from CBS News tonight, right, It's from

1170
00:49:39,320 --> 00:49:41,680
Speaker 1: a YouTube creator or somebody on Instagram, or it's from

1171
00:49:41,719 --> 00:49:44,160
Speaker 1: somebody who writes a substack. And so in some ways

1172
00:49:44,440 --> 00:49:46,440
Speaker 1: like it makes sense, it makes sense from it makes

1173
00:49:46,480 --> 00:49:48,560
Speaker 1: sense because it's what's happening everywhere else on the Internet.

1174
00:49:48,800 --> 00:49:51,160
Speaker 1: But it's also not my idea.

1175
00:49:51,239 --> 00:49:53,960
Speaker 2: Doesn't mean that I like it, right, Yeah, So that's

1176
00:49:54,000 --> 00:49:55,200
Speaker 2: all we have to say about that, Marline.

1177
00:49:55,200 --> 00:49:58,680
Speaker 1: All right, Daniel says, for health reasons, too much candy.

1178
00:49:58,840 --> 00:50:01,000
Speaker 1: How common is it to let your kicks four x

1179
00:50:01,040 --> 00:50:02,960
Speaker 1: exchange their loot for things of value such as a

1180
00:50:02,960 --> 00:50:05,280
Speaker 1: trip to the zoo, getting their nails done, a board game,

1181
00:50:05,520 --> 00:50:06,000
Speaker 1: et cetera.

1182
00:50:06,200 --> 00:50:09,799
Speaker 2: Dude, I love this idea. And this is actually something

1183
00:50:09,840 --> 00:50:12,719
Speaker 2: that Kate and I have talked about the so for

1184
00:50:12,880 --> 00:50:15,759
Speaker 2: us here, So okay, you know, I'm fine with like

1185
00:50:15,800 --> 00:50:18,040
Speaker 2: walking around with the kids doing the Halloween thing. It's

1186
00:50:18,040 --> 00:50:20,160
Speaker 2: not the horror part of it that turns me off.

1187
00:50:20,560 --> 00:50:22,480
Speaker 2: What it is that I don't like about Halloween so

1188
00:50:22,560 --> 00:50:25,759
Speaker 2: much is the candy. I swear every single year it

1189
00:50:25,840 --> 00:50:29,440
Speaker 2: is Halloween that kicks off our kids being sick November

1190
00:50:29,680 --> 00:50:31,360
Speaker 2: and December like basically.

1191
00:50:31,040 --> 00:50:33,280
Speaker 1: Until massive sugar spike can do yes.

1192
00:50:33,280 --> 00:50:35,680
Speaker 2: In like their little bodies. I don't think can handle it.

1193
00:50:35,960 --> 00:50:38,359
Speaker 2: I can't handle it very well. That is why I'm

1194
00:50:38,360 --> 00:50:41,640
Speaker 2: not the biggest Halloween fan. Uh And literally a few

1195
00:50:41,640 --> 00:50:43,520
Speaker 2: weeks ago, Kate and now we're talking talking us through

1196
00:50:43,520 --> 00:50:45,520
Speaker 2: and I was just like, why don't we just dangle

1197
00:50:45,800 --> 00:50:48,640
Speaker 2: some not literal carrot, but like find an incentive, like

1198
00:50:48,640 --> 00:50:52,040
Speaker 2: how trade carrot? Pretty sure they're gonna say, now, how

1199
00:50:52,040 --> 00:50:54,680
Speaker 2: can we incentivize them to not eat candy? And we

1200
00:50:54,760 --> 00:50:56,719
Speaker 2: haven't figured out what the exchange rate is going to

1201
00:50:56,760 --> 00:50:59,440
Speaker 2: be yet, but finding a way to exchange their candy

1202
00:50:59,480 --> 00:51:01,880
Speaker 2: for money is something that we are one hundred percent

1203
00:51:01,960 --> 00:51:03,920
Speaker 2: going to do this year or experience, and we will.

1204
00:51:04,160 --> 00:51:06,799
Speaker 2: Well yeah, I mean, and well, I like cash because

1205
00:51:06,800 --> 00:51:09,040
Speaker 2: it's it's the universal incentive. Right, they can do whatever

1206
00:51:09,040 --> 00:51:11,760
Speaker 2: they want with that money, except for buying more candy

1207
00:51:11,800 --> 00:51:11,960
Speaker 2: with it.

1208
00:51:11,960 --> 00:51:13,279
Speaker 1: I'm not gonna let them do that. Then are you

1209
00:51:13,320 --> 00:51:14,319
Speaker 1: gonna eat all the candy you bought?

1210
00:51:14,360 --> 00:51:16,719
Speaker 2: Or what are you gonna do? I get very good

1211
00:51:16,800 --> 00:51:19,600
Speaker 2: question because there's always like the daddy tacks, Yeah, right,

1212
00:51:19,719 --> 00:51:22,040
Speaker 2: Like it's that. I think there might be a few selects,

1213
00:51:22,080 --> 00:51:24,880
Speaker 2: only the best, and I will will I hang on

1214
00:51:24,920 --> 00:51:30,680
Speaker 2: to some. I'm talking about Butterfingers, Almond Joys, Snickers, only

1215
00:51:30,680 --> 00:51:33,160
Speaker 2: the finest crappy candy. You don't want their Tiptwo rolls.

1216
00:51:33,480 --> 00:51:36,560
Speaker 2: But dude, all the rest is I mean, it's all junk, right,

1217
00:51:36,640 --> 00:51:40,560
Speaker 2: It's all trash and provides zero nutritional value. But yeah,

1218
00:51:40,560 --> 00:51:42,719
Speaker 2: that's gonna be the hard part is actually getting rid

1219
00:51:42,840 --> 00:51:45,520
Speaker 2: of the candy. Yeah, yeah, what do you think? Yeah?

1220
00:51:45,520 --> 00:51:48,160
Speaker 1: No, I feel similarly. So Actually, I think the right

1221
00:51:48,200 --> 00:51:52,000
Speaker 1: incentive matters a lot. So Yes, my daughters recently I

1222
00:51:52,560 --> 00:51:55,239
Speaker 1: was told them I would buy them whatever used book

1223
00:51:55,280 --> 00:51:57,120
Speaker 1: they want. We'll go to the used bookstore or I'll

1224
00:51:57,120 --> 00:51:59,319
Speaker 1: buy them on eBay whatever you want, but i'll get

1225
00:51:59,320 --> 00:52:00,920
Speaker 1: whatever use. But if you get a hundred on your

1226
00:52:00,920 --> 00:52:03,600
Speaker 1: spelling test, So they were getting like eighty eighty fives,

1227
00:52:03,600 --> 00:52:05,600
Speaker 1: and it was just kind of like they were doing great,

1228
00:52:05,680 --> 00:52:07,320
Speaker 1: but like it was if they just put in the

1229
00:52:07,360 --> 00:52:09,240
Speaker 1: little extra effort, I knew they could get a hundred.

1230
00:52:09,440 --> 00:52:11,359
Speaker 1: And so this has been the incentive to get them

1231
00:52:11,400 --> 00:52:14,080
Speaker 1: to like, now they're coming to me and they're like, Dad,

1232
00:52:14,160 --> 00:52:17,120
Speaker 1: let's practice spelling because they want they want the reward

1233
00:52:17,120 --> 00:52:17,560
Speaker 1: at the end.

1234
00:52:17,600 --> 00:52:21,279
Speaker 2: And then Joel's like all the time studying with your

1235
00:52:21,320 --> 00:52:24,440
Speaker 2: kids now, right, So yeah, I think it provides the

1236
00:52:24,520 --> 00:52:27,920
Speaker 2: right incentive for the for what you want your kids

1237
00:52:27,960 --> 00:52:28,480
Speaker 2: to value.

1238
00:52:28,520 --> 00:52:30,640
Speaker 1: And if I think this is a great way to

1239
00:52:30,680 --> 00:52:32,440
Speaker 1: do it, and especially if you don't want them eating

1240
00:52:32,520 --> 00:52:35,319
Speaker 1: all that candy, you could like not let them go

1241
00:52:35,360 --> 00:52:37,719
Speaker 1: trick or treating or limit their trick or treating. Trick

1242
00:52:37,760 --> 00:52:38,879
Speaker 1: or treating is fun, that's fine.

1243
00:52:38,880 --> 00:52:40,640
Speaker 2: I don't Yeah, I don't disagree with that. It is

1244
00:52:40,760 --> 00:52:43,080
Speaker 2: literally the consumption of high fruit cost srupt and the

1245
00:52:43,120 --> 00:52:44,600
Speaker 2: quantities at which they do it.

1246
00:52:44,640 --> 00:52:46,279
Speaker 1: So maybe you say, hey, listen, what books are you

1247
00:52:46,280 --> 00:52:49,040
Speaker 1: interested in I'll buy books, you know, one book for

1248
00:52:49,080 --> 00:52:50,960
Speaker 1: every fifteen piece of candy you give me how much

1249
00:52:51,000 --> 00:52:52,000
Speaker 1: candy to get something like that.

1250
00:52:52,120 --> 00:52:56,680
Speaker 2: But yeah, then you can play video games to whatever. Yeah, exactly.

1251
00:52:56,760 --> 00:52:59,040
Speaker 2: Maybe the problem is is you said used books, Joel.

1252
00:52:59,120 --> 00:53:00,680
Speaker 2: Maybe you got a splurge the new books.

1253
00:53:00,920 --> 00:53:03,319
Speaker 1: Nah, I'm all I'm all about the used books, man,

1254
00:53:03,320 --> 00:53:05,080
Speaker 1: I'm like and plus, I think I love going to

1255
00:53:05,120 --> 00:53:05,920
Speaker 1: these used bookstores.

1256
00:53:05,960 --> 00:53:08,080
Speaker 2: It's best. Have you been to the there's a new

1257
00:53:08,400 --> 00:53:12,080
Speaker 2: used book reading room slash bookstore above the bubble t

1258
00:53:12,160 --> 00:53:13,640
Speaker 2: shop on the square. Now I need to check that out.

1259
00:53:13,680 --> 00:53:16,480
Speaker 1: It's awesome, Okay, it's yeah, dude, Oh your kids would

1260
00:53:16,480 --> 00:53:16,640
Speaker 1: love it.

1261
00:53:16,640 --> 00:53:18,680
Speaker 2: It's it's like decked out. They've got like a Harry

1262
00:53:18,719 --> 00:53:21,920
Speaker 2: Potter sort of section and it's being definitely going. It's

1263
00:53:21,920 --> 00:53:24,240
Speaker 2: a good com it's a good daddy daughter date combos.

1264
00:53:24,480 --> 00:53:26,120
Speaker 2: You get the tea and then you go upstairs, which

1265
00:53:26,160 --> 00:53:28,359
Speaker 2: they allow you can take it up there. Brillianah, it's great.

1266
00:53:28,400 --> 00:53:30,319
Speaker 1: Okay, I'll put that on my list. Yeah, all right,

1267
00:53:30,360 --> 00:53:32,239
Speaker 1: let's go to Andrew says Matt and Joel. What's your

1268
00:53:32,280 --> 00:53:33,440
Speaker 1: favorite scary movie?

1269
00:53:34,600 --> 00:53:37,360
Speaker 2: Okay? So for me, I saw it like the original

1270
00:53:37,360 --> 00:53:40,120
Speaker 2: it ste king, yeah, like the old one, nothing new

1271
00:53:40,160 --> 00:53:43,120
Speaker 2: one with yeah what's his name? At a pretty young age,

1272
00:53:43,120 --> 00:53:47,640
Speaker 2: and that's certainly ruined clowns and sewers. So I think

1273
00:53:47,640 --> 00:53:49,520
Speaker 2: for the longest time I didn't like going on walks,

1274
00:53:49,680 --> 00:53:51,759
Speaker 2: So I don't I wouldn't necessarily call it call it

1275
00:53:51,800 --> 00:53:54,400
Speaker 2: a favorite, but that one had a pretty big impact

1276
00:53:54,560 --> 00:53:56,960
Speaker 2: on me as a six year old when I saw it. Gosh,

1277
00:53:57,600 --> 00:53:59,320
Speaker 2: what were your parents doing? I think it was I

1278
00:53:59,320 --> 00:54:01,160
Speaker 2: don't know, it was just all I wasn't like sitting

1279
00:54:01,200 --> 00:54:03,040
Speaker 2: there watching it where we're like, we're gonna watch this

1280
00:54:03,520 --> 00:54:06,000
Speaker 2: freaking scary movie as a family. It was where I

1281
00:54:06,040 --> 00:54:08,440
Speaker 2: was kind of passing through, Like I didn't even watch

1282
00:54:08,480 --> 00:54:10,160
Speaker 2: the whole movie, but I remember seeing the clown in

1283
00:54:10,200 --> 00:54:13,000
Speaker 2: the sewer, and then later I remember seeing like the

1284
00:54:13,040 --> 00:54:15,719
Speaker 2: brother was looking at a photo album and then the

1285
00:54:15,719 --> 00:54:19,480
Speaker 2: photos started bleeding. Oh gosh, oh my gosh. As a

1286
00:54:19,520 --> 00:54:22,720
Speaker 2: little kid, dude, talk about messing you up. I will say.

1287
00:54:22,520 --> 00:54:25,279
Speaker 1: The The Exorcist is the only really scary move I've seen.

1288
00:54:25,280 --> 00:54:26,759
Speaker 1: And that was like probably twelve or thirteen, when you

1289
00:54:26,800 --> 00:54:29,399
Speaker 1: sat down and watched it straight through. Yeah, with some friends. Uncle,

1290
00:54:29,440 --> 00:54:32,040
Speaker 1: of course, your uncle it's always the uncle right put

1291
00:54:32,080 --> 00:54:34,959
Speaker 1: you onto the word stuff. And I've never liked scary movies.

1292
00:54:35,000 --> 00:54:37,280
Speaker 1: I've never really wore that uncle ever since. The scariest

1293
00:54:37,280 --> 00:54:39,360
Speaker 1: movie I've seen since then is probably The Village like

1294
00:54:39,400 --> 00:54:41,719
Speaker 1: from m Night Traumalan, which is really not Yeah, So

1295
00:54:41,880 --> 00:54:43,760
Speaker 1: I don't mind a good thriller scary movies.

1296
00:54:43,800 --> 00:54:45,400
Speaker 2: I just avoid them. So I know this time of

1297
00:54:45,480 --> 00:54:46,759
Speaker 2: year a lot of people get into that. I just

1298
00:54:47,160 --> 00:54:48,800
Speaker 2: not a huge shit. Yeah, our family, we're not in

1299
00:54:48,880 --> 00:54:51,120
Speaker 2: the stomaching. But all right here, I'll get to the

1300
00:54:51,160 --> 00:54:53,799
Speaker 2: last one. Katie and she had a frugal or cheap

1301
00:54:53,840 --> 00:54:58,200
Speaker 2: for us putting leftover Halloween candy and Christmas stockings. I'm

1302
00:54:58,200 --> 00:55:01,359
Speaker 2: gonna say frugal if that it's something that you are

1303
00:55:01,400 --> 00:55:03,839
Speaker 2: not opposed to giving your kids. Again, maybe it's the

1304
00:55:03,880 --> 00:55:07,280
Speaker 2: only the nicest candy. Maybe it's the Reese's peanut buttercups

1305
00:55:07,600 --> 00:55:10,759
Speaker 2: that feels like something. Actually, that's like the most Halloween candy.

1306
00:55:10,480 --> 00:55:12,960
Speaker 1: There is because the orange factors get the orange.

1307
00:55:12,960 --> 00:55:15,200
Speaker 2: But I think if there's a way you can extend

1308
00:55:15,239 --> 00:55:17,600
Speaker 2: it out to where you have small amounts of the

1309
00:55:17,640 --> 00:55:22,080
Speaker 2: candy overtime, it's again, it's the spike of sugar consumption,

1310
00:55:22,239 --> 00:55:24,640
Speaker 2: candy consumption on like over the course of three days.

1311
00:55:24,800 --> 00:55:27,040
Speaker 1: Let's be honest, most candy is good for six plus months,

1312
00:55:27,080 --> 00:55:29,839
Speaker 1: and so if you're taking it, it's less at least

1313
00:55:29,920 --> 00:55:31,759
Speaker 1: or less than two months away from from Christmas. So

1314
00:55:31,760 --> 00:55:33,600
Speaker 1: take some of that stuff, put it in the stockings.

1315
00:55:33,680 --> 00:55:35,799
Speaker 1: I'm totally fine with that, especially depending on how younger

1316
00:55:35,840 --> 00:55:38,000
Speaker 1: kids are. They probably won't even know, so yeah, probably,

1317
00:55:38,040 --> 00:55:40,359
Speaker 1: yeah there, Let's be honest, the young ones, they don't

1318
00:55:40,360 --> 00:55:40,919
Speaker 1: know any better.

1319
00:55:40,960 --> 00:55:42,959
Speaker 2: So and then you sit down and watch The Nightmare

1320
00:55:43,000 --> 00:55:45,560
Speaker 2: before Christmas? Right? Yeah? Which was that scary? I've never

1321
00:55:45,600 --> 00:55:46,120
Speaker 2: ever seen that.

1322
00:55:46,200 --> 00:55:48,279
Speaker 1: It's It's not really that scary. Now it's not too bad,

1323
00:55:48,400 --> 00:55:50,000
Speaker 1: although I have to decide if my kids are ready

1324
00:55:50,000 --> 00:55:52,000
Speaker 1: for it. I'm not sure, but yeah, thanks for all

1325
00:55:52,000 --> 00:55:54,040
Speaker 1: the questions. Thanks for playing along with us on this one.

1326
00:55:54,120 --> 00:55:55,200
Speaker 1: This was It was super fun.

1327
00:55:55,239 --> 00:55:57,560
Speaker 2: So the war chill, yeah, shoot from the hip episode.

1328
00:55:57,600 --> 00:55:57,920
Speaker 2: That's right.

1329
00:55:57,960 --> 00:56:00,000
Speaker 1: I like this one. But Matt, let's get back to

1330
00:56:00,080 --> 00:56:02,960
Speaker 1: beer that we had on this episode. This was a

1331
00:56:02,960 --> 00:56:05,720
Speaker 1: social hour by Santa Fe Brewing. It's a hazy wheat

1332
00:56:05,760 --> 00:56:07,799
Speaker 1: with orange. What are your thoughts on this one?

1333
00:56:07,840 --> 00:56:10,719
Speaker 2: I like this it is exactly like it reads. It's

1334
00:56:10,760 --> 00:56:13,879
Speaker 2: a hazy wheat. It certainly has those orange notes coming through,

1335
00:56:14,320 --> 00:56:16,399
Speaker 2: and so it reads to me like a like more

1336
00:56:16,440 --> 00:56:19,640
Speaker 2: of a citrusy kind of beer with not like I

1337
00:56:19,680 --> 00:56:21,600
Speaker 2: guess it's the orange part of it. That's the citrus.

1338
00:56:21,600 --> 00:56:24,439
Speaker 2: It's not like a lemony, zesty kind of beer.

1339
00:56:24,640 --> 00:56:26,640
Speaker 1: No, yeah, no, I thought this one too. Yeah, the wheat,

1340
00:56:26,640 --> 00:56:27,239
Speaker 1: the orange comma.

1341
00:56:27,280 --> 00:56:27,759
Speaker 2: It was nice.

1342
00:56:27,800 --> 00:56:29,200
Speaker 1: The beer is a bit more it was a bit

1343
00:56:29,239 --> 00:56:31,200
Speaker 1: more carbonated than some beers. It almost gave it like

1344
00:56:31,200 --> 00:56:33,200
Speaker 1: a Seltz sur vibe. I thought, especially like those first

1345
00:56:33,239 --> 00:56:39,440
Speaker 1: few SIPs, a nice wheat citrusy beer is like a

1346
00:56:39,480 --> 00:56:41,520
Speaker 1: really good beer for this time of year two because

1347
00:56:41,680 --> 00:56:45,520
Speaker 1: it's laid back, it's reserved, but it's got a little

1348
00:56:45,560 --> 00:56:47,239
Speaker 1: bit of mouthfeel to it at the same time.

1349
00:56:47,320 --> 00:56:49,680
Speaker 2: So, I Doug, was it sort of like a lining Google?

1350
00:56:49,719 --> 00:56:52,279
Speaker 2: Do they make some like hazy orange orange whets. Yeah,

1351
00:56:52,280 --> 00:56:54,040
Speaker 2: I would say probably that's probably true if you're kind

1352
00:56:54,040 --> 00:56:57,480
Speaker 2: of into the shad vibe macro kind of. So yeah,

1353
00:56:57,480 --> 00:57:01,560
Speaker 2: this takes a back to his like shot Top. That's

1354
00:57:01,560 --> 00:57:04,239
Speaker 2: a beer that you've tried at I was at a

1355
00:57:04,320 --> 00:57:05,960
Speaker 2: random bar and you thought, Oh, I kind of like

1356
00:57:06,000 --> 00:57:07,759
Speaker 2: this beer, and if you're looking to type your game,

1357
00:57:07,920 --> 00:57:11,319
Speaker 2: maybe Social Hour is a is a beer that you

1358
00:57:11,320 --> 00:57:13,879
Speaker 2: can try there out of Santa Fe Brewing Camp.

1359
00:57:13,920 --> 00:57:16,480
Speaker 1: Big thanks to our friend Bob. Yeah, thanks for this

1360
00:57:16,560 --> 00:57:18,240
Speaker 1: beer and the many others he gave us.

1361
00:57:18,240 --> 00:57:19,080
Speaker 2: We appreciate you, Bob.

1362
00:57:19,240 --> 00:57:20,919
Speaker 1: All Right, that's going to do it for this episode, Matt.

1363
00:57:20,960 --> 00:57:22,960
Speaker 1: For show notes, listeners can find those up on our

1364
00:57:23,000 --> 00:57:25,400
Speaker 1: website at how tomoney dot com. Don't forget to sign

1365
00:57:25,520 --> 00:57:27,880
Speaker 1: up for the how to Money newsletter if you haven't yet.

1366
00:57:28,000 --> 00:57:30,000
Speaker 1: It is chock full of great information. You can find it.

1367
00:57:30,000 --> 00:57:32,320
Speaker 1: It's free at how to money dot com slash newsletter.

1368
00:57:32,360 --> 00:57:34,600
Speaker 1: I promise you it'll be the best newsletter you get

1369
00:57:34,840 --> 00:57:37,919
Speaker 1: every week in year inbox chalk full of nuts.

1370
00:57:38,200 --> 00:57:40,280
Speaker 2: That's gonna be it for this one, buddy. Until next time,

1371
00:57:40,400 --> 00:57:42,680
Speaker 2: Best Friends Out, Best Friends Out,