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Speaker 1: Welcome to Had of Money. I'm Joeld, I'm Att. Today

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Speaker 1: we're talking soft switching, tariff turn around, and discounted drugs.

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Speaker 2: Happy Friday, everyone. We hope everyone is at a wonderful

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Speaker 2: week and we are glad that you're here to join

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Speaker 2: this listening experience that we're about to deliver to you

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Speaker 2: the Friday flight.

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Speaker 1: It's right. I've already had one Thanksgiving meal at my

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Speaker 1: kids school, Matt, earlier this week, so you warm it

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Speaker 1: up for I'm ready for Yeah, it's like a week

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Speaker 1: and a half of Thanksgiving festivities over here because then

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Speaker 1: we have to eat with my family. But that's like,

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Speaker 1: how do you feel about to travel to have dinner

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Speaker 1: with other family?

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Speaker 2: You think the Thanksgiving turkey is a little overrated justly

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Speaker 2: speaking as a meal.

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Speaker 1: No, I think we should eat more turkey. I'm actually

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Speaker 1: I think it's sad that we don't, that we eat

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Speaker 1: so little of it dry typically, it's like a dry meat, man,

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Speaker 1: It's like they're cooking it right. Well, most people do

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Speaker 1: overcook the inject trap puppy. I'm smoking one actually for

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Speaker 1: this weekend, So I'm excited about that.

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Speaker 2: And think about how very nice.

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Speaker 1: How inexpensive turkey is Matthew ninety nine cents a pounds

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Speaker 1: for fresh, never frozen turkey.

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Speaker 2: It's a fairly affordable protein. That's for sure, much more

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Speaker 2: affordable than some of the meat that we're going to

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Speaker 2: get to later on this episode. True story. I saw

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Speaker 2: you the other day. Actually, we're both driving on the

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Speaker 2: Interstate and I passed your tail. Were driving. You were

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Speaker 2: over there, juice in your miles per gallon. That's right,

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Speaker 2: hypermiling here you were on eco mode. I'm sure over

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Speaker 2: there in the van, but I noticed you had some

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Speaker 2: fresh tires on that thing man looking looking nice.

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Speaker 1: I did, so. I just got a set of new

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Speaker 1: tires on the mini van and I did some extensive shopping.

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Speaker 1: And actually now is a great time of year talking

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Speaker 1: about like Black Friday sales and stuff like that. They

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Speaker 1: even have sales on tires. It's not one of those

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Speaker 1: things that you normally think about. But I was like,

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Speaker 1: all right, I know I need some. Maybe let me

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Speaker 1: see if I can hold off and find a good deal.

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Speaker 1: And I'm a member, not just a costco but at

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Speaker 1: Sam's Club. We don't talk about Sam's Club very often

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Speaker 1: on the show.

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Speaker 2: I always forget about Sam's Club. Because it's not you

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Speaker 2: y'all live a bit closer to it than we do.

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Speaker 2: It's not on our regular trek, it's not on a

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Speaker 2: regular route that we travel, so because that is out

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Speaker 2: of sight, out of mind. Yeah.

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Speaker 1: So it's literally right on the way home from Emily's office,

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Speaker 1: so she'll stop there on the way home to grab

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Speaker 1: stuff sometimes.

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Speaker 2: Nice.

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Speaker 1: And the I was like kind of going back and

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Speaker 1: forth between Sam's and Costco and uh, and I looked

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Speaker 1: at a couple other places too, but Sam said the

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Speaker 1: best offer, man, And so what was the price?

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Speaker 2: Do you remember?

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Speaker 1: So I think out the door was like seven to

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Speaker 1: twenty five for four new tires installed. That's a great price,

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Speaker 1: the whole thing. And one of the things that actually

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Speaker 1: pushed me over the edge towards Sam's was like there

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Speaker 1: were great tires of a good price, but also they

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Speaker 1: offer four years of roadside assistance when you buy tires there.

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Speaker 2: So I just there's like, how highly rated is the

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Speaker 2: Sam's Club roadside? It's question, that's a good We'll see,

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Speaker 2: we'll see if I get what I'm paying for or

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Speaker 2: if this is actually something helpful, if I get trained

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Speaker 2: on the side of the road. But five years of

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Speaker 2: road hazard protection. You still get like the free flat repair,

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Speaker 2: rotation of balance which they offered Costco, and I think

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Speaker 2: they offer a discount tire two, so that's not necessarily

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Speaker 2: out of the ordinary. Yeah, but at the roadside assistance,

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Speaker 2: So that's that'll be the big the payout, I guess,

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Speaker 2: because that sounds like it would have been. Was that enough?

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Speaker 2: Is that what kind of swayed you over when you

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Speaker 2: saw that and thought, oh wow, this is actually I

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Speaker 2: was like the prices added benefit already a little bit

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Speaker 2: lower for.

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Speaker 1: Some really good tires. And then I was like, if

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Speaker 1: it's got this other perk two, then maybe it makes

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Speaker 1: sense to like, we'll test the waters and see if

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Speaker 1: we ever actually have to use it. I'm curious to

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Speaker 1: see if it works well or not. But yeah, yeah, yeah,

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Speaker 1: So get those Black Friday tire deals if you're balding

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Speaker 1: like mine or.

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Speaker 2: I feel like the typical sale or discount at discount tires.

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Speaker 2: I think last time when I got the tires changed

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Speaker 2: out is around two hundred dollars a tire. So if

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Speaker 2: you can get out there for like a little under eight,

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Speaker 2: that's a good deal. You got you down to the

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Speaker 2: lower sevens even better, deal man.

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Speaker 1: And it felt kind of providential, Like I had a

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Speaker 1: screw in the tire the day I was going to

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Speaker 1: get it changed.

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Speaker 2: That's right, Yeah, that's why you borrowed my the pump.

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Speaker 1: That's right. You had to pump it up just so

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Speaker 1: I could get over there to get them changed. But

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Speaker 1: I was like, now I don't have to like get

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Speaker 1: this flat repair.

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Speaker 2: Just get it all taken care of all together. Let's

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Speaker 2: spend some time talking about credit cards, Joel, because it

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Speaker 2: seems like taking full advantage and maximizing the different credit

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Speaker 2: card rewards out there, it's basically becoming like a part

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Speaker 2: time job. Not only are the annual fees increasing, but

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Speaker 2: so are the hurdles for snagging those perks.

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Speaker 1: Well, the fancy cards. We're talking like seven, eight, nine

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Speaker 1: hundred dollars a year.

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Speaker 2: If you are the type of person that's gonna visit

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Speaker 2: the lounges and take advantage of all that they have

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Speaker 2: to offer more power to you. But the potential dollar

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Speaker 2: value of those perks offered with the annual fee, of course,

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Speaker 2: it has grown significantly, but accessing those perks has certainly

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Speaker 2: come with roadblocks. The rewards are functioning more like like

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Speaker 2: old school coupon books, to the chagrin of many users

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Speaker 2: who are just used to at least for me, I

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Speaker 2: like things to be as simple and the ability to

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Speaker 2: get some cash back you.

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Speaker 1: Know there straight up it's like, oh, you can get

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Speaker 1: this reward in this quarter, but then you got to

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Speaker 1: spend more money next quarter to get.

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Speaker 2: More of that reward. Everyone was a fan of that,

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Speaker 2: the rotating the rotating categories. Yeah, but then there's like

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Speaker 2: quarterly credits, there's monthly rebates. They are all a part

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Speaker 2: of the credit card company approach, hoping that the deals

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Speaker 2: are gonna actually sound better than they function. Then they

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Speaker 2: actually impact your your bottom line. And the data shows

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Speaker 2: that fewer high end reward card users are actually getting

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Speaker 2: the benefits beyond the what they're paying in the annual fee,

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Speaker 2: and so they're not actually you're you're not coming out ahead.

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Speaker 2: The credit card companies are, and in an attempt to

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Speaker 2: maximize the rewards, some users are opting for spreadsheets, which

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Speaker 2: makes a ton of sense because if you are going

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Speaker 2: to play the game, you better play it right, while

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Speaker 2: others like me are just throwing in the towel. So

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Speaker 2: I think it's okay to downgrade. It's I think it's

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Speaker 2: good to even cancel an extensive card if it's not

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Speaker 2: working for you and going with something a bit more basic.

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Speaker 1: Yeah, which is interesting, Like, usually we're kind of against

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Speaker 1: the cancelation of credit cards for the sake of your

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Speaker 1: credit score, but chances are, like, if you have a

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Speaker 1: great score and you've got a card with the high

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Speaker 1: annual fee that you're just not getting enough rewards from,

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Speaker 1: You're like, I'm paying the anal fee, but like I

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Speaker 1: either have to manufacture spending. I'm spending more than I

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Speaker 1: want to. It actually has become like a pain in

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Speaker 1: my butt. How much is this actually doing for me

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Speaker 1: versus a straight up just two percent cash back card

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Speaker 1: that I don't have to think about. If it's overwhelming

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Speaker 1: you or the rewards just aren't worth it, then reconsider, yeah,

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Speaker 1: in downgrade or even cancel, especially if you don't need

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Speaker 1: to use your credit score for a big purchase in

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Speaker 1: the near time, near future, like getting a mortgage or

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Speaker 1: something like that. It is kind of crazy how complicated

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Speaker 1: some of these rewards cards have gotten. And Mett, there's

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Speaker 1: a new credit card on the scene that I just

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Speaker 1: saw from US Bank, And this one is actually not

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Speaker 1: similar to the high end rewards cards. It's an attempt

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Speaker 1: to merge a credit card and buy now, pay later.

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Speaker 1: You know, this is not something the hybrid model we're

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Speaker 1: going to be fans of. Yeah, I like hybrids, like

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Speaker 1: a pres or something like that, but not not in

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Speaker 1: terms of like emerging of credit cards and buy now,

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Speaker 1: pay later. Instead of paying off the full balance at

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Speaker 1: the end of the month, with this card, you can

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Speaker 1: pay off your balance over the course of three months

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Speaker 1: instead for a fee. Of course, you got to pay

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Speaker 1: extra for that privilege. And I just don't like credit

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Speaker 1: cards becoming more like buy now, pay later. Credit cards

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Speaker 1: are awesome, not because they're debt products, but if you

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Speaker 1: use them properly, they offer perks, they offer protections for

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Speaker 1: you as a consumer. And so if you're just if

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Speaker 1: you're just using it as a method of payment to

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Speaker 1: do the buying that you already would have done and

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Speaker 1: paying it off in full at the end of the month,

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Speaker 1: credit cards can be an excellent way to facilitate purchases,

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Speaker 1: but using any payment method to extend your buying timeline

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Speaker 1: because you don't have the cash, that's a red flag.

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Speaker 1: So if you're like, oh, this credit card is great,

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Speaker 1: not because of the perks, but because it allows me

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Speaker 1: to pay off the item I bought well further down

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Speaker 1: the road. I don't like that. So I'm really not

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Speaker 1: a big fan of this newest new US Bank credit card.

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Speaker 2: Yeah, yeah, you said there's a new card that you

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Speaker 2: recently read about. It's not the card I thought you

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Speaker 2: were gonna mention. The card that I came across recently

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Speaker 2: that I applied for is the new robin Hood card,

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Speaker 2: the new robin Hood Gold Card.

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Speaker 1: That's pretty good.

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Speaker 2: It's across the board cash back, which is first of

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Speaker 2: its kind right there. I don't think there has been

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Speaker 2: any other card, and so I quickly applied and got it.

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Speaker 2: But I haven't read all the details on it yet,

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Speaker 2: but we certainly will let folks know. I did see

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Speaker 2: that it's when did a launch? Well, they announced it

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Speaker 2: last last year.

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Speaker 1: I want to say.

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Speaker 2: We talked about it, and it's been sitting around, I

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Speaker 2: think as they're trying to figure things out. But the

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Speaker 2: actual at least for me maybe other folks have been

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Speaker 2: it's been trickling out. But I it showed up in

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Speaker 2: my email the other day and I hit I apply

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Speaker 2: now and filled out the information and they said it's

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Speaker 2: going to be showing up and sometime next week.

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Speaker 1: Is there an annual fee for that card or is

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Speaker 1: it just a robin Hood Gold member.

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Speaker 2: Technically there is, because it's to be a robin Hood

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Speaker 2: Gold Member, you're paying five bucks a month or fifty

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Speaker 2: or six sixty eight years slightly discounted. So technically there's

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Speaker 2: not a direct annual fee for the card, but there

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Speaker 2: kind of is. But that being said, then you get

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Speaker 2: the additional benefits of being a robin Hood Gold member,

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Speaker 2: right with a match the only or one of the

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Speaker 2: very few non employer IRA matches that's that's being provided

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Speaker 2: out there.

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Speaker 1: So just say rob robin Hood's making it more and

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Speaker 1: more enticingly, they're making.

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Speaker 2: They are, they are making it attracted.

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Speaker 1: Like every time they announce something awesome, they also now

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Speaker 1: something that I'm like a little wary of those.

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Speaker 2: I know.

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Speaker 1: Yeah, you just have to pick and choose the benefits

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Speaker 1: that you want to access with Robinhood three.

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Speaker 2: Percent though across the board. I am really curious to

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Speaker 2: see if this is going to replace like my City

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Speaker 2: Double Cash card for just like all the standard purchases.

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Speaker 2: But well, okay, so actually, while we're talking about robin Hood.

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Speaker 2: Did you see that they are offering this whole thing

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Speaker 2: where they can bring cash to your doorstep. It's like

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Speaker 2: Uber eats, but for dollar bills.

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Speaker 1: I did. I saw that.

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Speaker 2: It seems like there was a whole lot of other ways. Well,

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Speaker 2: it's like seven bucks in order to get cash delivered

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Speaker 2: to your.

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Speaker 1: Front door unless you're a Robin Hood Golden right, or

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Speaker 1: if you've got at least one hundred thousand dollars in

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Speaker 1: assets with Probaina. So for me, it's like three bucks

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Speaker 1: or something. Yeah, per cash delivery as opposed to which

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Speaker 1: is lower than a regular ATM fee.

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Speaker 2: But you folks should be with a bank that reimburses atmfees.

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Speaker 2: And if you don't have a bank that does that,

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Speaker 2: you should then be if you need cash, which is

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Speaker 2: a rare occasion, you should be getting cash back with

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Speaker 2: your debit card once in a blue moon whenever it

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Speaker 2: is that you need to do that, which you can

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Speaker 2: do at a grocery store or Facebook marketplace. I just

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Speaker 2: listed something and the lady was like, can I come

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Speaker 2: buy and bring cash? I was like, no problem. Cash

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Speaker 2: is accepted at the All Mix household, you know, because

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Speaker 2: that that is honestly how we get cash like in

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Speaker 2: our coffers at home, to be able to pay the kids.

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Speaker 2: Like I can't literally remember the last time I went

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Speaker 2: to an ATM or got cash back. It's truly because

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Speaker 2: of this kind of rotating stash of cash that we have,

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Speaker 2: that the kids earn money for jobs and then pay

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Speaker 2: back to us when they want to buy something.

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Speaker 1: Yeah, basically, you know what I was reminded of earlier

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Speaker 1: this week that I hadn't thought about or had forgotten about,

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Speaker 1: was that some grocery stores are actually charging you to

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Speaker 1: get cash backs, which I think extends to Kroger. I

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Speaker 1: think they're basically the same corporate ownership.

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Speaker 2: Sounds like a Krumby place to shout up with, well,

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Speaker 2: if you can't.

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Speaker 1: Cash back, and I don't know if this is true

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Speaker 1: at other grocery stores as well, but if it's like

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Speaker 1: twenty bucks, you pay fifty fifty cent fee, and if

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Speaker 1: it's like even more than that, I think you're paying

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Speaker 1: two or three dollars to get cash.

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Speaker 2: Back, which is like, so everyone's getting paid roughly.

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Speaker 1: I mean, I think the average ATMF is something like

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Speaker 1: five dollars and fifty cents, which is insane. That's again

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Speaker 1: why you need to be with one of our favorite

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Speaker 1: online banks who doesn't charge or would either have an

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Speaker 1: ATM network that allows you to avoid paying any fee,

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Speaker 1: or there's the if you like bank with like Schwab

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Speaker 1: or something like that. I'm pretty sure Schwab they will

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Speaker 1: refund any atem fee that you incur. So I mean again,

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Speaker 1: this is one of those things where how often am

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Speaker 1: I getting cash similar to you? Not very often yep,

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Speaker 1: But okay, speaking of banks, and maybe some banks are

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Speaker 1: better than others, and so you might want to consider

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Speaker 1: leaving the Krumi bank you're with, especially if it's one

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Speaker 1: of the big bank that's big banks that has a

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Speaker 1: brick and mortar on every street corner, which has become

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Speaker 1: their favorite form of marketing. Now, I don't know, it's

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Speaker 1: highly profitable and necessarily to have those.

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Speaker 2: It's just convenience, not unlike the sam sting. If it's there,

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Speaker 2: maybe you'll go into it. But the fact that I

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Speaker 2: never pass it, I don't ever step foot into the

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Speaker 2: same club.

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Speaker 1: So what people are choosing to do now instead of

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Speaker 1: signing up and moving everything over to a new bank,

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Speaker 1: they're doing this thing because of course, there's a catchy

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Speaker 1: term for everything these days, soft switching. This is the trend,

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Speaker 1: and basically what it means is that people are opening

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Speaker 1: up another bank account in order to get better service

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Speaker 1: or higher interest rates, but they're just not moving all

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Speaker 1: of their deposits or direct payments over to this new

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Speaker 1: bank because it'd be too much of a hassle.

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Speaker 2: I'm totally done with that name. Instead of hard switching.

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Speaker 1: Just a soft switch, little soft switch, And that maybe

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Speaker 1: that I think people are obvious always, or that's maybe

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Speaker 1: one of the pushbacks we get is like, oh, gosh, guys,

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Speaker 1: switching banks is a massive pain. Well, so what if

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Speaker 1: you don't fully switch banks? But what if you open

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Speaker 1: an account with an online bank that is better and

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Speaker 1: you either slowly migrate over, making easing the try transition,

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Speaker 1: or you just have both simultaneously. And you're like, well,

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Speaker 1: this bank offers you free checks, and it offers a

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Speaker 1: better higher interest rate, and it offers better customer service.

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Speaker 1: So I'll do I'll take advantage of the things that

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Speaker 1: they offer, but I'll keep maybe my crummy bank account

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Speaker 1: that I've had for forever and so that I don't

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Speaker 1: have to change everything all at once.

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Speaker 2: I like that it gives you a longer amount of

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Speaker 2: time to be able to get used to the new platform.

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Speaker 2: How it is that they do things, because I think

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Speaker 2: that's for a lot of folks, they just don't want

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Speaker 2: to have to learn the new system. Like everyone's just

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Speaker 2: used to the status quo and keeping their their financial

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Speaker 2: equilibrium for a lack of a better term, joll, how

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Speaker 2: do you feel about what prices have been How do

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Speaker 2: you specifically feel about tariffs and enforcing the hand of

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Speaker 2: the market and getting other countries to pay the high

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Speaker 2: prices in.

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Speaker 1: Order to bolster US manufacturing. And I've talked about this

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Speaker 1: a little bit on the show. I think it's so

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Speaker 1: fascinating that so many people who were anti tariffs and

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Speaker 1: pro free markets started to buy into the fact that, like, oh, yeah,

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Speaker 1: tariffs are the solution, it's to all the ales that

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Speaker 1: we face. And I just don't think they are. And

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Speaker 1: I think are finally starting to catch up with us.

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Speaker 1: I had as prices are solely starting to catch up prices, right,

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Speaker 1: that's right. And I was hanging out with a friend

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Speaker 1: recently and he was talking about a big company that

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Speaker 1: he works for, a water sports company, and you would

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Speaker 1: recognize the name. They make a lot of stuff, and

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Speaker 1: he said he was talking about the impact of tariffs

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Speaker 1: on the company, and he's like, we've been eating the tariffs,

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Speaker 1: like we've had to, you know, reduce staff, We've had

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Speaker 1: to really watch costs. It's been it's been really like

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Speaker 1: tough sledding. And we're not a big enough company where

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Speaker 1: we have the ear of the president to roll back

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Speaker 1: tariffs on our specific items that we're that we're working on,

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Speaker 1: and so it's been He's like, well, pretty soon those

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Speaker 1: prices are going to have to go up like they

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Speaker 1: just are. And and so I think we're starting to

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Speaker 1: finally see that that pre buying of the inventory has

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Speaker 1: It takes a while old.

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Speaker 2: Yeah, it takes a while for to trickle through the

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Speaker 2: system before, like the information, like the feedback loop.

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Speaker 1: It takes.

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Speaker 2: It's not something that you can measure within a couple months.

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Speaker 2: In a few months, it's gonna Yeah, I would not

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Speaker 2: be surprised to see things change dramatically if we're not

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Speaker 2: wanting to continue to see prices rise well without an

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Speaker 2: end insight.

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Speaker 1: I think the place where we've seen maybe the most

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Speaker 1: impact of tariffs more quickly has been at the grocery store,

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Speaker 1: and at least like the President is starting to realize

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Speaker 1: that higher prices at the grocery store are annoying Americans,

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Speaker 1: that they're frustrated by paying more for things like bananas

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Speaker 1: and coffee and beef, and so this he just opted,

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Speaker 1: I think it was Friday after our show came out.

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Speaker 1: Matt he said that he's going to roll back tariffs

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Speaker 1: at the grocery store on specific items, on dozens of items.

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Speaker 1: And so it feels like this like tacit acknowledgment. I'm

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Speaker 1: not going to say it out loud, but yeah, I

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Speaker 1: guess they are causing higher prices. So I'm going to

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Speaker 1: roll them back on some things that people notice on

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Speaker 1: when they're going, you know, because we buy groceries multiple

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Speaker 1: times a week typically, and so yeah, in some categories

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Speaker 1: in particular, inflation has been incredibly high. Steak, coffee, bananas,

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Speaker 1: and oh well, guess what, we can't grow much coffee

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Speaker 1: in the United States. Oh guess what, we can't really

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Speaker 1: grow bananas in the United States. So all the tariffs

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Speaker 1: were doing with leading to higher prices. It was attax

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Speaker 1: on consumers and people. We are frustrated to see steak

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Speaker 1: costing twenty dollars a pound when it costs twelve dollars

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Speaker 1: a pound in January, and so, yeah, the tariffs jack

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Speaker 1: up prices across the board. It's good to see at

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Speaker 1: least a little recognition of that from the White House.

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Speaker 1: It'd be nice if we didn't have a willy nilly

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Speaker 1: tariff regime going on, but at least we will see

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Speaker 1: some relief on some of these items.

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Speaker 2: Yeah, basically, tariffs act as attacks to us as US consumers,

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Speaker 2: which just basically make things more expensive. But consumers, we

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Speaker 2: can't do much about higher prices that stem from bad

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Speaker 2: policy specifically, but folks are reacting intelligently by spurning beef

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Speaker 2: instead for chicken. So Tyson reported that beef sales continued

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Speaker 2: to decline, and chicken is through the roof. It's rising

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Speaker 2: quite significantly in popularity. It's up twenty eight percent year

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Speaker 2: over year, which makes sense when a whole chicken is

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Speaker 2: like a fraction of the cost of beef. I think

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Speaker 2: it's something like ninety nine cents a pound as opposed

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Speaker 2: to ground beef, which is around six dollars per pound.

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Speaker 2: But Jill, you know, one of the other ways that

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Speaker 2: you can combat the high prices of beef and specifically

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Speaker 2: steak is to get in on sale, and this is something.

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Speaker 2: This is I'm going to celebrate a little Costco win,

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Speaker 2: which is that they were offering whole slabs of ribbi.

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Speaker 1: Oh you did this, didn't so well? You okay? I

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Speaker 1: told you about it. You told me about it, and

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Speaker 1: I was like, so, Joel said he. I did not

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Speaker 1: partake because it was like still really expensive.

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Speaker 2: Joel said, Hey, they've got Prime Ribbi at Costco the

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Speaker 2: whole side of the cow basically, and it's seventy five

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Speaker 2: bucks off per package. And you're like that's crazy. I

409
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Speaker 2: was like, yeah, did you crunch the numbers and you're like, well, no,

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Speaker 2: it's just because you're still paying hundreds of dollars Yeah,

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Speaker 2: for thos much meat.

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Speaker 1: So it was the price per pound.

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Speaker 2: Well, the next time I went there, they were still

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Speaker 2: there because I think a lot of folks were still

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Speaker 2: scared off by paying hundreds of dollars. But I did

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Speaker 2: a quick calculation and it brought the price down to

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Speaker 2: fifteen dollars a pound for prime, which is, dude, this

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Speaker 2: you can't get prices at low. It's been like four

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Speaker 2: or five years since I bought Prime Ribbi at fifteen bucks.

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Speaker 2: Is a little bit less because everyone knows that when

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Speaker 2: they do the discount per package, you go for the

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Speaker 2: smallest package package in order to maximize that discount. So, dude,

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Speaker 2: massive wind, I'd never done that before. I didn't tell

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Speaker 2: you because I wanted to save it for the show.

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Speaker 2: Come over to your house for rib I guess. But

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Speaker 2: of course it's a whole thing, so you do have

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Speaker 2: to slice it. But that was actually kind of fun.

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Speaker 2: It was interesting to see, like, oh, this is how

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Speaker 2: the Rabbi steak takes its shape, and this is the

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Speaker 2: meat and cutting up cutting up your own steaks at home,

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Speaker 2: you know, with a giant knife on the cutting board.

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Speaker 1: Or your butchering skills.

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Speaker 2: Not bad. Okay, so a cup, I will say, The

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Speaker 2: stakes on the end don't quite look like Ribbi's right like,

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Speaker 2: but man, all the cuts in the middle they look

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Speaker 2: like just like they do when they cut them there

437
00:18:47,400 --> 00:18:49,560
Speaker 2: at Costco. They're even more uniform though, because they always

438
00:18:49,560 --> 00:18:52,520
Speaker 2: include one like thinner one or one really weird thick

439
00:18:52,560 --> 00:18:55,520
Speaker 2: one in the package of four or something like that. Dude,

440
00:18:55,520 --> 00:18:57,600
Speaker 2: I was like laser. I didn't pull out a laser

441
00:18:57,640 --> 00:18:59,320
Speaker 2: level or anything like that, but I was just looking

442
00:18:59,359 --> 00:19:03,680
Speaker 2: at it. Making sure each steak was cut perfectly. Put

443
00:19:03,720 --> 00:19:05,399
Speaker 2: a bunch of those in gallon bags stuck in the

444
00:19:05,400 --> 00:19:07,440
Speaker 2: freezer so they wouldn't get bad. But you like, that's

445
00:19:07,760 --> 00:19:10,439
Speaker 2: that's one of the ways you also can combat some

446
00:19:10,480 --> 00:19:12,800
Speaker 2: of these high beef prices, not just by opting for

447
00:19:12,840 --> 00:19:15,560
Speaker 2: something different, but looking for some of those massive sales.

448
00:19:15,560 --> 00:19:17,560
Speaker 2: And yeah, you got to be okay with stomaching a

449
00:19:17,600 --> 00:19:19,840
Speaker 2: few hundred dollars spent that you're not going to consume

450
00:19:19,920 --> 00:19:21,119
Speaker 2: for probably a month or two.

451
00:19:21,200 --> 00:19:23,000
Speaker 1: Yeah, one of these days, one of these days, I'm

452
00:19:23,000 --> 00:19:24,560
Speaker 1: going to do the quarter the half cow like some

453
00:19:24,600 --> 00:19:26,359
Speaker 1: of my friends do, get in the deep freeze and

454
00:19:26,400 --> 00:19:28,240
Speaker 1: go in that direction. I know that that's the way

455
00:19:28,240 --> 00:19:29,680
Speaker 1: that people sa have a lot of money if they

456
00:19:29,720 --> 00:19:32,720
Speaker 1: really love beef, which I do, but I have been

457
00:19:33,080 --> 00:19:34,760
Speaker 1: kind of following the trend and going more in the

458
00:19:34,800 --> 00:19:35,520
Speaker 1: chicken direction.

459
00:19:35,560 --> 00:19:37,679
Speaker 2: But he's into much, He's into it. Next time you

460
00:19:37,680 --> 00:19:39,240
Speaker 2: see one of the big things, you don't have to

461
00:19:39,240 --> 00:19:41,120
Speaker 2: buy a special freezer for that. Like, you can cut

462
00:19:41,160 --> 00:19:44,040
Speaker 2: up those steaks and prepackage them, slide them into the freezer.

463
00:19:44,040 --> 00:19:44,960
Speaker 2: You're good to go. Yeah.

464
00:19:45,280 --> 00:19:48,439
Speaker 1: Oh, speaking which, actually, remember when we talked about roadkill recently,

465
00:19:48,480 --> 00:19:51,280
Speaker 1: one of our listeners reached out hello around the corner and.

466
00:19:51,400 --> 00:19:52,720
Speaker 2: End of meeting the freezer.

467
00:19:52,800 --> 00:19:55,440
Speaker 1: Yeah, and he offered he was like, hey, not roadkill,

468
00:19:55,520 --> 00:19:59,000
Speaker 1: but I just killed a deer and butchered it up. Yeah,

469
00:19:59,040 --> 00:20:02,000
Speaker 1: and so Brett super high listener. Brett offered us some

470
00:20:02,080 --> 00:20:05,320
Speaker 1: minicism and I have not cooked it up yet. I

471
00:20:05,320 --> 00:20:06,520
Speaker 1: have an either stoke too.

472
00:20:06,400 --> 00:20:09,360
Speaker 2: Though, osbummed. I didn't get to meet him too, because well, yeah,

473
00:20:09,359 --> 00:20:10,960
Speaker 2: I met up with you to kind of get my

474
00:20:11,000 --> 00:20:12,800
Speaker 2: share or whatever. I was like, oh cool, So where

475
00:20:12,800 --> 00:20:14,600
Speaker 2: did he get this meet from? Like where was he hunting?

476
00:20:14,680 --> 00:20:16,840
Speaker 2: What was it or was it was he shooting the

477
00:20:16,840 --> 00:20:18,640
Speaker 2: gun or was it like a bow hunting? And You're like,

478
00:20:18,920 --> 00:20:19,400
Speaker 2: I don't.

479
00:20:19,240 --> 00:20:23,080
Speaker 1: Know, So, yeah, Brett, give us some talking about something else.

480
00:20:23,160 --> 00:20:25,320
Speaker 1: I think he just wrestled it to the ground. Probably, Yeah,

481
00:20:25,680 --> 00:20:28,080
Speaker 1: it looked like he could have for sure. But yeah,

482
00:20:28,119 --> 00:20:29,080
Speaker 1: I'm excited for that.

483
00:20:29,600 --> 00:20:33,880
Speaker 2: The most ethical and sustainable way to and probably most

484
00:20:33,920 --> 00:20:36,960
Speaker 2: affordable way too, to consume protein to get your meat.

485
00:20:37,040 --> 00:20:39,480
Speaker 1: Agreed. One of the thing we should briefly talk about, Matt,

486
00:20:39,520 --> 00:20:41,880
Speaker 1: that the Trump administration is doing. While we're talking about

487
00:20:42,080 --> 00:20:46,080
Speaker 1: kind of the rollback of tariffs, is that your travelers

488
00:20:46,720 --> 00:20:51,280
Speaker 1: might not be able to get compensation for delayed flights anymore.

489
00:20:51,560 --> 00:20:54,159
Speaker 1: This was a proposed Biden era rule that would have

490
00:20:54,200 --> 00:20:57,920
Speaker 1: held airlines accountable for like heavily delayed flights, and it's

491
00:20:57,960 --> 00:21:00,320
Speaker 1: being taken off the table. I'm not sure how you

492
00:21:00,359 --> 00:21:03,200
Speaker 1: feel about this. My guess is you probably are okay

493
00:21:03,240 --> 00:21:05,600
Speaker 1: with it more than I am. But I just I

494
00:21:05,640 --> 00:21:10,240
Speaker 1: think I like the incentive, at least for airlines to

495
00:21:10,520 --> 00:21:13,080
Speaker 1: the stick to say, hey, you know, get people where

496
00:21:13,080 --> 00:21:15,679
Speaker 1: they're going on time, or there's going to be a

497
00:21:15,680 --> 00:21:18,919
Speaker 1: price to pay and when you if your flight's delayed.

498
00:21:18,960 --> 00:21:22,760
Speaker 1: In Europe, Europe has really stringent rules compensation rules for

499
00:21:22,960 --> 00:21:24,399
Speaker 1: delayed flights.

500
00:21:23,920 --> 00:21:25,639
Speaker 2: But then but then you got to live in Europe.

501
00:21:27,119 --> 00:21:29,720
Speaker 2: That's true, But US travelers, I'm sure there's there's some

502
00:21:29,800 --> 00:21:32,480
Speaker 2: great places to live in Europe, but I mean there's

503
00:21:32,480 --> 00:21:35,600
Speaker 2: a difference though between some of the different practices and

504
00:21:35,680 --> 00:21:37,879
Speaker 2: how we go about governing our countries and like, like

505
00:21:37,960 --> 00:21:41,240
Speaker 2: you alluded to, like if it existed, I would certainly

506
00:21:41,280 --> 00:21:43,159
Speaker 2: take advantage of it, but it doesn't mean I'm happy

507
00:21:43,160 --> 00:21:45,360
Speaker 2: about it, right, Like, there are certain things that they

508
00:21:45,400 --> 00:21:48,080
Speaker 2: are just the way they are, but generally speaking from

509
00:21:48,119 --> 00:21:50,439
Speaker 2: a principal standpoint, yeah, I do think it's probably for

510
00:21:50,520 --> 00:21:52,199
Speaker 2: the best for this to go away. And instead of

511
00:21:52,200 --> 00:21:55,080
Speaker 2: the government intervening, like, let the free market decide, right,

512
00:21:55,720 --> 00:22:00,560
Speaker 2: Let folks post and share their dissatisfaction with an airline,

513
00:22:01,160 --> 00:22:03,280
Speaker 2: Let the market to decide they like, well, no, your

514
00:22:03,280 --> 00:22:07,160
Speaker 2: tickets aren't worth that anymore because you treat your passengers

515
00:22:07,359 --> 00:22:09,959
Speaker 2: your customers poorly. As opposed to this other airline, I'm

516
00:22:09,960 --> 00:22:11,080
Speaker 2: want to start flying with them instead.

517
00:22:11,080 --> 00:22:12,959
Speaker 1: I think people do realize, oh, if I really really

518
00:22:13,000 --> 00:22:15,240
Speaker 1: need to get where I'm going on time, maybe Spirit

519
00:22:15,280 --> 00:22:17,600
Speaker 1: Airlines isn't the best exactly. It's like there is a

520
00:22:17,800 --> 00:22:21,000
Speaker 1: kind of understanding, that knowledge that's.

521
00:22:20,880 --> 00:22:24,080
Speaker 2: Something that you that you get with a more free

522
00:22:24,119 --> 00:22:26,360
Speaker 2: and open market. Instead, you're thinking, all right, I'm gonna

523
00:22:26,359 --> 00:22:28,600
Speaker 2: go ahead, splurge on the Delta tickets because I gotta

524
00:22:28,640 --> 00:22:30,360
Speaker 2: be there. This is not something I can miss.

525
00:22:30,160 --> 00:22:32,200
Speaker 1: When and when you look at the statistics, actually, Delta

526
00:22:32,440 --> 00:22:35,840
Speaker 1: is I think the most on time carrier. So you

527
00:22:35,920 --> 00:22:37,800
Speaker 1: might pay a little bit more, but what you pay

528
00:22:37,800 --> 00:22:39,880
Speaker 1: for more likely to get where you're going on time.

529
00:22:39,920 --> 00:22:42,199
Speaker 1: But just know that there's no exactly any sort of

530
00:22:42,200 --> 00:22:45,240
Speaker 1: government backstop if your flight is delayed, unless you're taking

531
00:22:45,240 --> 00:22:47,880
Speaker 1: a flight tour from Europe, in which case you might

532
00:22:47,880 --> 00:22:50,240
Speaker 1: be eligible for some sort of compensation. All right, Matt,

533
00:22:50,280 --> 00:22:51,919
Speaker 1: we got more to get to. You got to get

534
00:22:51,920 --> 00:22:54,320
Speaker 1: the ludicrous headline of the week. Oh man, there are

535
00:22:54,320 --> 00:22:57,440
Speaker 1: some incredibly new, overpriced gadgets out there that people need

536
00:22:57,480 --> 00:22:59,359
Speaker 1: to be warned away from buying. Talk about that and

537
00:22:59,400 --> 00:23:00,439
Speaker 1: more after this.

538
00:23:08,400 --> 00:23:10,600
Speaker 2: All right, we are back from the break. It is

539
00:23:10,640 --> 00:23:13,280
Speaker 2: now time for the ludicrous headline of the week, which

540
00:23:13,320 --> 00:23:15,520
Speaker 2: is from CNN, which I will say, I feel like

541
00:23:15,520 --> 00:23:18,720
Speaker 2: CNN has been putting out some better news recently over.

542
00:23:18,560 --> 00:23:20,760
Speaker 1: The past couple of years, some good, good business news.

543
00:23:20,880 --> 00:23:22,560
Speaker 2: Yeah. Yeah, not even the past couple of years, I

544
00:23:22,560 --> 00:23:25,960
Speaker 2: feel like over the past several months. But this is

545
00:23:26,000 --> 00:23:30,160
Speaker 2: a funnier story from CNN and the headline read Apple

546
00:23:30,240 --> 00:23:33,720
Speaker 2: launches a two hundred and twenty nine dollars nine iPhone

547
00:23:33,960 --> 00:23:37,119
Speaker 2: pocket sock to widespread amusement.

548
00:23:37,640 --> 00:23:38,879
Speaker 1: And I was so abused too.

549
00:23:39,000 --> 00:23:40,560
Speaker 2: I was quite amused myself.

550
00:23:41,160 --> 00:23:41,800
Speaker 1: It's funny.

551
00:23:41,880 --> 00:23:45,800
Speaker 2: Apple has been highly successful at monetizing desire through their

552
00:23:45,920 --> 00:23:48,800
Speaker 2: in particular through their design. But I can't imagine anyone

553
00:23:48,840 --> 00:23:52,399
Speaker 2: out there is going to desire a glorified sock to

554
00:23:52,440 --> 00:23:55,400
Speaker 2: store your phone in for the high price of two

555
00:23:55,440 --> 00:23:56,600
Speaker 2: hundred and thirty dollars, And.

556
00:23:56,680 --> 00:23:58,720
Speaker 1: If it was a twelve dollars sock, I'd be like,

557
00:23:58,920 --> 00:24:01,840
Speaker 1: all right, guys, that's cool whatever. Like some people, if it's.

558
00:24:01,680 --> 00:24:03,520
Speaker 2: A twelve dollars SoC you're like, I'll get it. And

559
00:24:03,520 --> 00:24:06,640
Speaker 2: it's the stocking stuffer. Yeah, it's funny, but they're kind

560
00:24:06,640 --> 00:24:09,520
Speaker 2: of going like the Gucci route, except for dude, you

561
00:24:09,560 --> 00:24:11,320
Speaker 2: know what the so you know what the soccer reminded me.

562
00:24:12,680 --> 00:24:15,160
Speaker 2: It looks like a like a MANKINI from like Borat,

563
00:24:15,240 --> 00:24:17,240
Speaker 2: Yeah it does. It does because it's like this long,

564
00:24:17,280 --> 00:24:21,480
Speaker 2: stretchy sock. Yeah, it's I mean, you can't make it up.

565
00:24:21,520 --> 00:24:23,240
Speaker 2: It's pretty ridiculous, stupid.

566
00:24:23,440 --> 00:24:26,680
Speaker 1: It is something is like the Apple brand Halo damaged

567
00:24:27,000 --> 00:24:31,040
Speaker 1: by releasing a ridiculous product that I think at some

568
00:24:31,080 --> 00:24:32,879
Speaker 1: point people are like, wait a second, are you just

569
00:24:33,400 --> 00:24:36,200
Speaker 1: trying to get my money without giving me anything of

570
00:24:36,280 --> 00:24:37,119
Speaker 1: value in return?

571
00:24:37,400 --> 00:24:37,840
Speaker 2: I think so.

572
00:24:38,000 --> 00:24:41,560
Speaker 1: I feel like it eradicates, or at least reduces my

573
00:24:41,600 --> 00:24:45,080
Speaker 1: trust in humanity. And I hope this product feels miserably.

574
00:24:44,720 --> 00:24:47,359
Speaker 2: Unless they don't move any product and then you're like,

575
00:24:47,520 --> 00:24:49,720
Speaker 2: all right, faith and trust restored.

576
00:24:49,920 --> 00:24:51,160
Speaker 1: Yeah, that's true.

577
00:24:51,359 --> 00:24:53,000
Speaker 2: Yeah, And I hope that if they want to put

578
00:24:53,040 --> 00:24:54,679
Speaker 2: it out there and see if people buy it, like,

579
00:24:54,760 --> 00:24:55,480
Speaker 2: more power to them.

580
00:24:55,480 --> 00:24:57,680
Speaker 1: But hope they get stuck with a million boxes exactly,

581
00:24:57,760 --> 00:24:59,440
Speaker 1: and then they have to get they're giving them away

582
00:24:59,440 --> 00:25:02,480
Speaker 1: beause I guarantee the socks costs roughly a dollar and

583
00:25:02,560 --> 00:25:04,600
Speaker 1: eighty two cents to make. Yeah, like eighty two cents,

584
00:25:04,600 --> 00:25:06,560
Speaker 1: So the profit margin on it is just insane.

585
00:25:07,160 --> 00:25:09,280
Speaker 2: You know what's funny? Though? Okay, before it sounds like

586
00:25:09,320 --> 00:25:11,280
Speaker 2: you're about to move on, but I literally, back in

587
00:25:11,280 --> 00:25:12,520
Speaker 2: the day, used to store my.

588
00:25:12,520 --> 00:25:16,320
Speaker 1: iPod in a sock. And how expensive was that sock.

589
00:25:17,200 --> 00:25:18,840
Speaker 2: It was just a sock that, just like the other pair,

590
00:25:18,920 --> 00:25:20,320
Speaker 2: got a hole in it, and so I just used

591
00:25:20,320 --> 00:25:23,159
Speaker 2: the sock to store my my iPod.

592
00:25:23,200 --> 00:25:24,879
Speaker 1: I'm sure nobody made fun of you about it. My

593
00:25:24,880 --> 00:25:26,720
Speaker 1: boss did. So this is back when I used to

594
00:25:26,720 --> 00:25:30,560
Speaker 1: work for the ad agency. My creative director saw it

595
00:25:30,600 --> 00:25:33,360
Speaker 1: one day when she was passing my desk and she's like, Matt,

596
00:25:34,400 --> 00:25:36,760
Speaker 1: don't use this little Did she know that that was

597
00:25:36,800 --> 00:25:39,040
Speaker 1: actually was ahead of the curve, the seed of an

598
00:25:39,040 --> 00:25:41,400
Speaker 1: excellent idea? Yeah, to make ridiculous amount of money.

599
00:25:41,440 --> 00:25:44,400
Speaker 2: Speaking of Christmas, she did get me a little actual

600
00:25:44,480 --> 00:25:47,440
Speaker 2: iPod case, a little padded fabric case with a little

601
00:25:47,440 --> 00:25:50,320
Speaker 2: beaner attached to it. Very much. I appreciate it. That

602
00:25:50,359 --> 00:25:50,760
Speaker 2: is sweet.

603
00:25:50,840 --> 00:25:52,520
Speaker 1: I used it well. I was going to move on

604
00:25:52,560 --> 00:25:55,359
Speaker 1: because there's other ridiculously expensive Let's let's get to objects

605
00:25:55,400 --> 00:25:57,800
Speaker 1: that we should mention. There a multiple ludicrous headlines. Yeah,

606
00:25:57,920 --> 00:26:00,959
Speaker 1: Wired had this article about a three hundred dollar water bottle.

607
00:26:01,359 --> 00:26:03,359
Speaker 1: Three hundred dollars for a water bottle.

608
00:26:03,560 --> 00:26:05,159
Speaker 2: Explain explain what this water bottle did?

609
00:26:05,160 --> 00:26:06,880
Speaker 1: Though, Well, if a if a sock is two hundred

610
00:26:06,880 --> 00:26:09,560
Speaker 1: and thirty dollars, I guess sounds like a deal. It

611
00:26:09,600 --> 00:26:13,560
Speaker 1: sounds reasonable. But it's this brand called Okappa, and they're

612
00:26:13,640 --> 00:26:16,160
Speaker 1: they're touting it as and I quote, a technical feat

613
00:26:16,200 --> 00:26:19,040
Speaker 1: of engineering beyond reason for a water bottle.

614
00:26:19,040 --> 00:26:19,520
Speaker 2: Matt right.

615
00:26:19,600 --> 00:26:22,080
Speaker 1: They engineered the heck out of this thing. It's been

616
00:26:22,119 --> 00:26:25,880
Speaker 1: called the Ferrari of water bottles that now costs twelve

617
00:26:25,880 --> 00:26:28,520
Speaker 1: times what a Stanley did, which was also overpriced and ridiculous.

618
00:26:28,840 --> 00:26:31,800
Speaker 1: This water bottle doesn't do anything special, it doesn't filter

619
00:26:31,880 --> 00:26:34,200
Speaker 1: your water, and worst of all, it has a bunch

620
00:26:34,280 --> 00:26:37,639
Speaker 1: of extra parts that need regular cleaning. Does it look cool?

621
00:26:38,160 --> 00:26:41,679
Speaker 1: Kind of? Yeah, yeah, kind of, But it's a I

622
00:26:41,680 --> 00:26:44,159
Speaker 1: think it's a weird new product, and free markets are

623
00:26:44,160 --> 00:26:46,240
Speaker 1: fascinating to me. I will be watching this. There was

624
00:26:46,240 --> 00:26:48,920
Speaker 1: also like a five hundred and twenty dollars white T

625
00:26:49,040 --> 00:26:51,800
Speaker 1: shirt that I saw recently as like, well, this is

626
00:26:51,840 --> 00:26:53,720
Speaker 1: like the premium white T shirt, and I was like,

627
00:26:53,800 --> 00:26:55,480
Speaker 1: it looks exactly.

628
00:26:55,600 --> 00:26:56,560
Speaker 2: It's like a normal white.

629
00:26:56,359 --> 00:26:59,040
Speaker 1: Teams like the Kirkland signature white T shirt that you

630
00:26:59,080 --> 00:27:01,120
Speaker 1: get I don't know or in the pack for probably

631
00:27:01,119 --> 00:27:03,400
Speaker 1: twelve dollars five hundred and twenty dollars for one shirt.

632
00:27:03,440 --> 00:27:04,680
Speaker 2: It might come from the same factory.

633
00:27:04,760 --> 00:27:06,760
Speaker 1: If you're into five hundred and twenty dollars white shirts,

634
00:27:06,840 --> 00:27:08,320
Speaker 1: I don't want to throw shade. If you're into three

635
00:27:08,359 --> 00:27:11,919
Speaker 1: hundred dollars water bottles, you do you. But I'm just

636
00:27:11,960 --> 00:27:14,600
Speaker 1: hoping that these overpriced items that don't really offer any

637
00:27:14,600 --> 00:27:17,920
Speaker 1: additional value are spurned. I'm not against spending a lot

638
00:27:17,920 --> 00:27:19,679
Speaker 1: of money on something that's actually going to make a

639
00:27:19,720 --> 00:27:22,640
Speaker 1: meaningful difference in your life, but I just don't think

640
00:27:22,680 --> 00:27:24,879
Speaker 1: the water bottle or the phone sock are going to

641
00:27:24,920 --> 00:27:25,600
Speaker 1: be those items.

642
00:27:25,800 --> 00:27:27,800
Speaker 2: What's also funny. Okay, so the name of that water

643
00:27:27,800 --> 00:27:31,160
Speaker 2: bottle was Okappa, which is very similar to Awala, which

644
00:27:31,280 --> 00:27:34,760
Speaker 2: is two letter off, which is a superior water bottle.

645
00:27:34,880 --> 00:27:35,879
Speaker 2: Do any of your kids have a.

646
00:27:35,920 --> 00:27:38,960
Speaker 1: Walas, Yes, they do, and those are pretty UNDESTRUCTI little,

647
00:27:39,000 --> 00:27:43,480
Speaker 1: easy clean. I'm literally still here with my twenty eighteen takiya.

648
00:27:43,520 --> 00:27:45,080
Speaker 1: I don't even know how you say it, takaya whatever

649
00:27:45,119 --> 00:27:47,200
Speaker 1: that I got from fin Con for free at the

650
00:27:47,240 --> 00:27:49,440
Speaker 1: hotel after the party that we were helping to host

651
00:27:49,680 --> 00:27:51,480
Speaker 1: was cleaning up and someone left their water bottle. You

652
00:27:51,600 --> 00:27:52,159
Speaker 1: use it every day.

653
00:27:52,200 --> 00:27:54,560
Speaker 2: It's a found water bottle. I don't think I've touched

654
00:27:54,640 --> 00:27:57,080
Speaker 2: or used anything so often in my entire life.

655
00:27:57,119 --> 00:27:58,840
Speaker 1: I'm using my free now gene given to us by

656
00:27:58,880 --> 00:27:59,960
Speaker 1: the kind folks of Bill's Brewing.

657
00:28:00,240 --> 00:28:02,960
Speaker 2: Yeah, classic bells, but I am considering getting in a

658
00:28:03,080 --> 00:28:05,520
Speaker 2: while because of it's designed. It's tapers in the middle

659
00:28:05,560 --> 00:28:08,720
Speaker 2: so it's easier to grab. It's got the straw and

660
00:28:08,880 --> 00:28:11,760
Speaker 2: the spout ability to drink. I drink out of my

661
00:28:11,840 --> 00:28:14,480
Speaker 2: daughter's the other day and I set out loud, this

662
00:28:14,840 --> 00:28:18,520
Speaker 2: is in fact a superior water bottle. And with all

663
00:28:18,560 --> 00:28:20,600
Speaker 2: that praise, we're not even sponsored by a whalla. But

664
00:28:20,840 --> 00:28:24,560
Speaker 2: while we're talking about overpriced items, jol, let's talk about

665
00:28:24,600 --> 00:28:28,480
Speaker 2: weight loss drugs. And obviously these drugs can have benefits

666
00:28:28,480 --> 00:28:31,600
Speaker 2: for folks with actual diabetes. That's not how a lot

667
00:28:31,640 --> 00:28:33,800
Speaker 2: of folks are using them these days, though, But the

668
00:28:34,000 --> 00:28:36,959
Speaker 2: price is going to go down significantly on these drugs

669
00:28:37,280 --> 00:28:41,080
Speaker 2: thanks to President Trump. It's not the free market at work,

670
00:28:42,000 --> 00:28:44,560
Speaker 2: and honestly, there isn't much of that at all within

671
00:28:44,640 --> 00:28:48,720
Speaker 2: the pharmaceutical space, but this new agreement is likely to

672
00:28:48,760 --> 00:28:51,480
Speaker 2: save people a bunch of money every month. And this

673
00:28:51,640 --> 00:28:55,320
Speaker 2: is all via Trump Orex. So again, don't love how

674
00:28:55,400 --> 00:28:58,120
Speaker 2: we arrived here, but we want folks to know what's

675
00:28:58,160 --> 00:29:00,440
Speaker 2: available to them or to find the best deal. And

676
00:29:00,960 --> 00:29:03,880
Speaker 2: ZEP bound with govy is they're both now going to

677
00:29:03,880 --> 00:29:07,040
Speaker 2: be available directly for far less than what's currently being charged.

678
00:29:07,520 --> 00:29:10,160
Speaker 2: So folks without traditional insurance will be able to get

679
00:29:10,160 --> 00:29:12,760
Speaker 2: these drugs for I think around one hundred and fifty

680
00:29:12,800 --> 00:29:16,360
Speaker 2: dollars a month. Six hundred dollars is currently the lowest

681
00:29:16,400 --> 00:29:19,280
Speaker 2: that I've seen, so this is a significant decrease.

682
00:29:19,360 --> 00:29:21,239
Speaker 1: I think literally this week I saw some of them,

683
00:29:21,240 --> 00:29:23,320
Speaker 1: I don't remember which one going down to like three

684
00:29:23,480 --> 00:29:26,480
Speaker 1: fifty direct without insurance because they know this trump are

685
00:29:26,600 --> 00:29:28,600
Speaker 1: X thing is coming down to compete. So prices are

686
00:29:28,680 --> 00:29:31,480
Speaker 1: dropping dramatically on these GLP ones, which you know, one

687
00:29:31,520 --> 00:29:34,200
Speaker 1: of the reasons that we're seeing higher healthcare costs right now,

688
00:29:34,600 --> 00:29:37,560
Speaker 1: it's because of the GLP ones and how much the

689
00:29:37,720 --> 00:29:40,800
Speaker 1: insurance companies are paying and what a large percentage of

690
00:29:41,760 --> 00:29:44,440
Speaker 1: people on their insurance are opting for. Yeah, They're like,

691
00:29:44,560 --> 00:29:46,080
Speaker 1: I want to sign up for this, and so the

692
00:29:46,120 --> 00:29:47,840
Speaker 1: insurance company's kind of taking it on the chins. These

693
00:29:47,880 --> 00:29:51,520
Speaker 1: lower prices could help reduce health care costs and could

694
00:29:51,600 --> 00:29:57,480
Speaker 1: help reduce costs specifically for individuals buying those drugs directly. Actually,

695
00:29:57,600 --> 00:30:00,520
Speaker 1: funny last night, my wife was talking about oze. Have

696
00:30:00,600 --> 00:30:03,560
Speaker 1: you heard of this? No is a I've lost weight

697
00:30:03,600 --> 00:30:06,479
Speaker 1: face basically, but it happened so quickly, like you can

698
00:30:06,680 --> 00:30:09,120
Speaker 1: you can tell like very quickly who who's using it

699
00:30:09,200 --> 00:30:10,080
Speaker 1: because the weight.

700
00:30:10,120 --> 00:30:12,800
Speaker 2: Falls off and their skin that their skin doesn't have

701
00:30:12,880 --> 00:30:14,800
Speaker 2: time to react as basically like you got lap band

702
00:30:14,840 --> 00:30:18,040
Speaker 2: surgery face. Yeah, pretty much, I've not heard that, but

703
00:30:18,160 --> 00:30:21,080
Speaker 2: actually you saying ozempic face. The reason that's the thing

704
00:30:21,200 --> 00:30:22,160
Speaker 2: is because it starts.

705
00:30:21,960 --> 00:30:26,080
Speaker 1: With oh, which off of space though, face face well,

706
00:30:26,440 --> 00:30:28,280
Speaker 1: and it's it has been interesting. But when you look

707
00:30:28,280 --> 00:30:30,840
Speaker 1: at the chart of obesie rates in this country, they

708
00:30:30,920 --> 00:30:33,680
Speaker 1: declined for the first time this over the past year. Yeah,

709
00:30:33,800 --> 00:30:35,640
Speaker 1: like it was a steady incline on the way up.

710
00:30:35,720 --> 00:30:39,320
Speaker 1: And it is cool in some ways to see that

711
00:30:39,560 --> 00:30:40,400
Speaker 1: obese rate.

712
00:30:40,600 --> 00:30:44,400
Speaker 2: Dropping and hopefully that'll lead to other health benefits, right,

713
00:30:44,480 --> 00:30:46,800
Speaker 2: like increases when it comes to some of the other measures,

714
00:30:46,920 --> 00:30:48,360
Speaker 2: not just in obesity.

715
00:30:48,480 --> 00:30:50,680
Speaker 1: I wanted to hit on a touchy subject though, because

716
00:30:50,680 --> 00:30:54,560
Speaker 1: I saw a an article in the cut about taking

717
00:30:54,640 --> 00:30:56,640
Speaker 1: ozepic to get ahead at work or taking any of

718
00:30:56,680 --> 00:31:00,680
Speaker 1: these weight loss medications, and research does show they highlighted

719
00:31:00,680 --> 00:31:03,080
Speaker 1: in the article that thinner people tend to get paid

720
00:31:03,120 --> 00:31:06,080
Speaker 1: more and attain higher status jobs. I was talking to

721
00:31:06,160 --> 00:31:08,320
Speaker 1: my sister about this and she was like, that's so true,

722
00:31:08,640 --> 00:31:12,280
Speaker 1: Like everyone right around the CEO is incredibly thin and

723
00:31:12,680 --> 00:31:14,960
Speaker 1: like they look fit and stuff like that, and so

724
00:31:15,080 --> 00:31:17,040
Speaker 1: she was like, it is harder for people who are

725
00:31:17,080 --> 00:31:19,040
Speaker 1: overweight to get ahead at least where I work, and

726
00:31:19,160 --> 00:31:22,160
Speaker 1: this appears to bear out in the statistics. So, Matt,

727
00:31:22,240 --> 00:31:25,040
Speaker 1: in a world where everyone's doing it, and it could

728
00:31:25,120 --> 00:31:29,160
Speaker 1: be your career advantage, you can make more money, even

729
00:31:29,600 --> 00:31:33,080
Speaker 1: considering the extra you might be paying to access these drugs.

730
00:31:33,640 --> 00:31:36,000
Speaker 1: Does jumping on the bandwagon of weight loss drugs makes

731
00:31:36,000 --> 00:31:36,720
Speaker 1: sense for more people?

732
00:31:37,400 --> 00:31:39,640
Speaker 2: I think it could, right, Like, so you're basically asking

733
00:31:39,680 --> 00:31:41,920
Speaker 2: if it's like table stakes now, the fact that you've

734
00:31:41,960 --> 00:31:43,040
Speaker 2: got to do this if you want to.

735
00:31:43,160 --> 00:31:44,600
Speaker 1: I think for a lot of people it feels that way.

736
00:31:44,760 --> 00:31:47,520
Speaker 2: Yeah, I think so. I think I would be. I mean,

737
00:31:47,560 --> 00:31:49,360
Speaker 2: they haven't been around for all that long, and so

738
00:31:49,440 --> 00:31:51,400
Speaker 2: my biggest question are, like, what are the long term

739
00:31:51,440 --> 00:31:54,800
Speaker 2: impacts of these drugs? That's one thing, But then also

740
00:31:54,840 --> 00:31:55,480
Speaker 2: so if there's.

741
00:31:55,280 --> 00:31:58,000
Speaker 1: Like bone loss and like long term gut issues.

742
00:31:57,840 --> 00:32:02,200
Speaker 2: Yeah, it reduces your design across the board, and that's

743
00:32:02,240 --> 00:32:05,560
Speaker 2: something else. The whole other can of worms that we

744
00:32:05,720 --> 00:32:07,640
Speaker 2: probably don't need to get into during this episode. But

745
00:32:07,960 --> 00:32:10,200
Speaker 2: going back to the fertility rates, and you know, these

746
00:32:10,240 --> 00:32:12,760
Speaker 2: are discussions we've had on the show's that was the

747
00:32:13,000 --> 00:32:15,720
Speaker 2: topic of your conversation with Melissa Kearney, Right, I don't know,

748
00:32:15,800 --> 00:32:17,640
Speaker 2: it's it's a double edged sword.

749
00:32:17,800 --> 00:32:21,520
Speaker 1: I agreed. Let's talk about cars. Everyone thought Toyota was

750
00:32:21,720 --> 00:32:24,560
Speaker 1: crazy when they doubled down on hybrids, and they said,

751
00:32:24,600 --> 00:32:27,000
Speaker 1: we're just not going to get into the EV game

752
00:32:27,080 --> 00:32:27,320
Speaker 1: right now.

753
00:32:27,360 --> 00:32:28,200
Speaker 2: I didn't think it was crazy.

754
00:32:28,680 --> 00:32:31,640
Speaker 1: Yeah, hybrid's hybrids of all, A lot of people did

755
00:32:31,800 --> 00:32:35,960
Speaker 1: think about VW, going like, hey, we're going all in

756
00:32:36,120 --> 00:32:38,520
Speaker 1: on this, and a lot of car makers were like,

757
00:32:38,800 --> 00:32:40,600
Speaker 1: we got to come up with an EV lineup, people,

758
00:32:41,400 --> 00:32:42,920
Speaker 1: this is the future full EV.

759
00:32:42,880 --> 00:32:45,400
Speaker 2: By twenty twenty eight, right. I remember the Super Bowl ads.

760
00:32:45,320 --> 00:32:48,160
Speaker 1: Right, Volvo, But I feel like now Toyota's looking crazy

761
00:32:48,320 --> 00:32:51,680
Speaker 1: like a Fox cause the whole EV spaces and turmoil.

762
00:32:52,040 --> 00:32:55,040
Speaker 1: Brands have not found a way to reliably produce vehicles

763
00:32:55,080 --> 00:32:58,160
Speaker 1: that turn a profit. Consumers are less interested as tax

764
00:32:58,240 --> 00:33:01,640
Speaker 1: credits are evaporating, so car brands are attempting to pivot.

765
00:33:01,800 --> 00:33:05,240
Speaker 1: Ford basically said, hey, we're probably going to stop making

766
00:33:05,280 --> 00:33:07,920
Speaker 1: the Ford Lightning even though it's the best selling EV

767
00:33:08,040 --> 00:33:10,760
Speaker 1: truck on the market. It turns out that title doesn't

768
00:33:10,760 --> 00:33:14,600
Speaker 1: really mean much because unit sales are still pretty paltry

769
00:33:15,360 --> 00:33:18,400
Speaker 1: and it's just really expensive to get into a new

770
00:33:18,440 --> 00:33:22,320
Speaker 1: EV these days. I think that Ford Lightning was supposed

771
00:33:22,320 --> 00:33:25,320
Speaker 1: to start at forty grand but an entry level model.

772
00:33:25,520 --> 00:33:28,880
Speaker 1: Now it starts like sixty thousand, so prices skyrocketed on that.

773
00:33:29,200 --> 00:33:31,440
Speaker 1: I remember when they announced the Ford Lightning at forty

774
00:33:31,480 --> 00:33:32,840
Speaker 1: k and I was like, yeah, I might be in

775
00:33:32,960 --> 00:33:36,320
Speaker 1: for that, but then the price went up dramatically and

776
00:33:36,400 --> 00:33:38,560
Speaker 1: I was like, yeah, no, I'm not going to buy

777
00:33:38,600 --> 00:33:41,560
Speaker 1: one for sixty grand. So I think car companies are

778
00:33:41,560 --> 00:33:43,640
Speaker 1: going to have to find a way to bring down

779
00:33:43,680 --> 00:33:47,360
Speaker 1: production costs to peak interest or just stop making cars

780
00:33:47,440 --> 00:33:49,000
Speaker 1: that don't sell. And so I think we are going

781
00:33:49,040 --> 00:33:52,160
Speaker 1: to see kind of a pairing down of electric electric

782
00:33:52,240 --> 00:33:54,840
Speaker 1: vehicle offerings as many manufacturers are just like, we don't

783
00:33:54,840 --> 00:33:56,680
Speaker 1: know how to turn a profit on these, that's.

784
00:33:56,600 --> 00:33:59,480
Speaker 2: Right, Okay, So, speaking of car expenses, we've known that

785
00:34:00,080 --> 00:34:03,160
Speaker 2: poor or even non existent credit history can have a

786
00:34:03,200 --> 00:34:07,280
Speaker 2: pretty wide ranging impact on your personal finances, including increasing

787
00:34:07,320 --> 00:34:10,040
Speaker 2: the cost of car insurance in most states. Well, there

788
00:34:10,160 --> 00:34:12,880
Speaker 2: is a recent NPR investigation and they found that the

789
00:34:13,000 --> 00:34:16,400
Speaker 2: impact can be massive. And so in that report, the

790
00:34:16,480 --> 00:34:19,680
Speaker 2: same applicant, with the only difference being a poor or

791
00:34:19,840 --> 00:34:23,279
Speaker 2: excellent credit score, could actually pay thousands of dollars more

792
00:34:23,800 --> 00:34:28,279
Speaker 2: in premiums annually. And this is another instance of where

793
00:34:28,360 --> 00:34:30,480
Speaker 2: you may not totally agree with how it is that

794
00:34:30,640 --> 00:34:33,560
Speaker 2: we are calculating credit scores and the system's not perfect.

795
00:34:33,960 --> 00:34:36,680
Speaker 2: But it is another reason to know the game and

796
00:34:36,760 --> 00:34:38,440
Speaker 2: to play by the rules. I feel like so much

797
00:34:38,440 --> 00:34:40,120
Speaker 2: of our episode today is just like, we don't love

798
00:34:40,200 --> 00:34:42,239
Speaker 2: how this is happening, but we want you to have

799
00:34:42,320 --> 00:34:45,040
Speaker 2: the knowledge and know how this is impacting your personal finance.

800
00:34:45,120 --> 00:34:48,279
Speaker 1: Do we love how much influence and power the three

801
00:34:48,360 --> 00:34:50,920
Speaker 1: credit bureaus have and do we like how they wield

802
00:34:50,960 --> 00:34:53,440
Speaker 1: their influence and power, But they're not awesome.

803
00:34:53,600 --> 00:34:55,479
Speaker 2: That's not for debate right now. What's up for debate

804
00:34:55,640 --> 00:34:57,120
Speaker 2: is what it is that you can do as an

805
00:34:57,120 --> 00:34:59,000
Speaker 2: individual to better your personal standing.

806
00:34:59,160 --> 00:35:01,040
Speaker 1: You need to know your credit score, and you need

807
00:35:01,120 --> 00:35:04,600
Speaker 1: to make sure that it's solid because and that typically

808
00:35:04,640 --> 00:35:07,160
Speaker 1: needs like seven forty or above. Is really the goal

809
00:35:07,239 --> 00:35:09,839
Speaker 1: we're shooting for. If that's the case, and I think

810
00:35:09,880 --> 00:35:11,760
Speaker 1: you said most states, Matt, I think it's three states

811
00:35:11,800 --> 00:35:15,879
Speaker 1: that don't allow credit scores to influence what you pay

812
00:35:15,920 --> 00:35:17,919
Speaker 1: for car insurance. But other than that, in the forty

813
00:35:17,960 --> 00:35:21,120
Speaker 1: seven states, it's fair game. And so if you live

814
00:35:21,160 --> 00:35:24,520
Speaker 1: in the majority of the United States of America, paying

815
00:35:24,520 --> 00:35:26,880
Speaker 1: attention to your credit score is going to help you

816
00:35:26,920 --> 00:35:30,120
Speaker 1: pay less yep for car insurance. While we're talking about cars, Matt,

817
00:35:30,200 --> 00:35:32,839
Speaker 1: let's do one final story. Let's talk about car technology.

818
00:35:33,400 --> 00:35:35,239
Speaker 1: I think one of the reasons I don't love renting

819
00:35:35,320 --> 00:35:38,320
Speaker 1: cars because it's kind of expensive. But the thing I

820
00:35:38,400 --> 00:35:40,000
Speaker 1: do love about renting cars is you get to kind

821
00:35:40,000 --> 00:35:42,840
Speaker 1: of test drive something you've never experienced before. Like I

822
00:35:43,160 --> 00:35:46,160
Speaker 1: test drove a Subaru ev last time I rented a car,

823
00:35:46,200 --> 00:35:47,560
Speaker 1: and I was like, this is fun. And then it

824
00:35:47,640 --> 00:35:50,279
Speaker 1: was a Toyota Sienna and I'm like, ooh, this is

825
00:35:50,320 --> 00:35:53,359
Speaker 1: different than my Honda Odyssey because I'm such a middle

826
00:35:53,400 --> 00:35:55,560
Speaker 1: aged man and love to test drive minivans Like that's

827
00:35:56,239 --> 00:35:57,680
Speaker 1: I never would have said that twenty years ago.

828
00:35:57,680 --> 00:36:00,880
Speaker 2: I've been it's highly under a we've lost all our

829
00:36:00,880 --> 00:36:02,000
Speaker 2: street credit with you know I need to do is

830
00:36:02,080 --> 00:36:04,920
Speaker 2: talk to my neighbor. They just they got an expedition,

831
00:36:05,200 --> 00:36:08,280
Speaker 2: which is a you know, big, Yeah, their family is growing.

832
00:36:08,760 --> 00:36:11,920
Speaker 2: But I'm like, why haven't you considered a minivan, Like

833
00:36:12,120 --> 00:36:13,839
Speaker 2: if you just go on one little trip with us.

834
00:36:13,760 --> 00:36:15,400
Speaker 1: You could totally be a minivan car salesman.

835
00:36:15,800 --> 00:36:17,560
Speaker 2: Aside from the fact that it's just old and kind

836
00:36:17,600 --> 00:36:19,640
Speaker 2: of smells, like when you get used to the space,

837
00:36:19,760 --> 00:36:23,040
Speaker 2: the automatic doors, there's no nice there's no having to

838
00:36:23,640 --> 00:36:25,680
Speaker 2: like lift that baby seat way up high. You get

839
00:36:25,840 --> 00:36:27,480
Speaker 2: like in some of these cars, man, like you have

840
00:36:27,600 --> 00:36:30,000
Speaker 2: to raise the baby seat up like six feet up

841
00:36:30,040 --> 00:36:32,680
Speaker 2: in the air to latch it into the the car base.

842
00:36:32,719 --> 00:36:35,480
Speaker 1: So any fans, they ride so smooth too, They're wonderful. Yeah,

843
00:36:35,480 --> 00:36:38,320
Speaker 1: they're so great. So everyone out there considered the minivan.

844
00:36:39,000 --> 00:36:41,839
Speaker 1: But one of the things I love is car play, right,

845
00:36:41,960 --> 00:36:44,839
Speaker 1: It's so nice compared to my cars are so old.

846
00:36:45,120 --> 00:36:45,840
Speaker 2: Yeah I don't have that.

847
00:36:46,160 --> 00:36:49,600
Speaker 1: Yeah, I've got literally an OX jack, which my car's

848
00:36:49,600 --> 00:36:51,880
Speaker 1: in six so it means it was probably like the

849
00:36:51,920 --> 00:36:54,319
Speaker 1: first year they put those in, and so I'm glad

850
00:36:54,320 --> 00:36:56,839
Speaker 1: I have it. Oh yeah, the auxiliary jack was a feature. Yeah,

851
00:36:57,080 --> 00:36:58,320
Speaker 1: you see it as a bug. That meant it was

852
00:36:58,360 --> 00:37:01,320
Speaker 1: high end back in. I think it's right. But I

853
00:37:01,480 --> 00:37:03,359
Speaker 1: love how like when I get into my rental car,

854
00:37:03,440 --> 00:37:05,239
Speaker 1: it just kind of automatically connects and I can play

855
00:37:05,239 --> 00:37:08,240
Speaker 1: stuff for my phone. It's super simple. Well, GM announced

856
00:37:08,280 --> 00:37:11,160
Speaker 1: that it's ditching car Play in all of its new

857
00:37:11,239 --> 00:37:14,520
Speaker 1: cars in favor of its own proprietary software, and I

858
00:37:14,560 --> 00:37:16,200
Speaker 1: gotta imagine, Matt, that people are going to be far

859
00:37:16,320 --> 00:37:18,680
Speaker 1: less interested in GM cars because of this. This seems

860
00:37:18,680 --> 00:37:21,480
Speaker 1: like a really bad move. Totally agree the you know,

861
00:37:21,600 --> 00:37:25,840
Speaker 1: the Apple and Android. They make it free. It's free software,

862
00:37:26,400 --> 00:37:29,120
Speaker 1: and consumers like it because guess what, it works really

863
00:37:29,160 --> 00:37:29,839
Speaker 1: well with their phone.

864
00:37:29,880 --> 00:37:31,400
Speaker 2: I gotta know that it looks just like an iPhone

865
00:37:31,520 --> 00:37:34,640
Speaker 2: ruff for it's on car Play. Yes, a proprietary Why

866
00:37:34,680 --> 00:37:38,160
Speaker 2: would I not want that. GM software is not going

867
00:37:38,239 --> 00:37:40,560
Speaker 2: to be better than this, So this might be GM

868
00:37:40,640 --> 00:37:42,560
Speaker 2: shooting itself in the foot. Well yeah, and you know,

869
00:37:43,000 --> 00:37:45,160
Speaker 2: you know why they're doing this, probably right like they're

870
00:37:45,239 --> 00:37:47,759
Speaker 2: trying to get subscriptions. Because if you are using your

871
00:37:48,000 --> 00:37:50,279
Speaker 2: your iPhone and it's playing through car Play, guess what

872
00:37:50,360 --> 00:37:52,760
Speaker 2: you're not using. You are not using their built in navigation.

873
00:37:52,880 --> 00:37:54,799
Speaker 2: Guess what you're not using. You're not using the free

874
00:37:54,840 --> 00:37:56,960
Speaker 2: Wi Fi that they include with the purchase of a

875
00:37:57,000 --> 00:37:59,840
Speaker 2: new vehicle. So my my in laws, I think the

876
00:38:00,120 --> 00:38:02,120
Speaker 2: like one year free of like a Wi Fi hotspot,

877
00:38:02,320 --> 00:38:04,120
Speaker 2: so they're able to use Wi Fi off their vehicle

878
00:38:04,160 --> 00:38:06,160
Speaker 2: and you start getting used to that, and then pretty

879
00:38:06,200 --> 00:38:08,879
Speaker 2: soon once that free trials up, they're going to start

880
00:38:08,920 --> 00:38:10,520
Speaker 2: being oh, sorry, this is going to go away, and

881
00:38:10,560 --> 00:38:11,480
Speaker 2: they've got their hooks in you.

882
00:38:11,640 --> 00:38:13,640
Speaker 1: Yeah, it past twenty bucks a month or else.

883
00:38:13,840 --> 00:38:16,440
Speaker 2: I know, so they want some of that recurring subscription

884
00:38:16,600 --> 00:38:19,239
Speaker 2: revenue just like all the other companies out there. Man,

885
00:38:19,440 --> 00:38:22,960
Speaker 2: that plus data, of course always sells for for Top

886
00:38:23,040 --> 00:38:25,640
Speaker 2: Penny as they're looking to dish up the best ads.

887
00:38:25,440 --> 00:38:26,800
Speaker 1: To you, Top Penny, I ever heard of that in

888
00:38:26,840 --> 00:38:28,799
Speaker 1: a while. You can't say that anymore. Pennies hop penny

889
00:38:29,040 --> 00:38:30,560
Speaker 1: minting pennies, that's right, Top Dollar.

890
00:38:30,640 --> 00:38:32,239
Speaker 2: What do you even talk about the fact that they

891
00:38:32,600 --> 00:38:34,600
Speaker 2: minted the last penny like two weeks ago, that's right,

892
00:38:34,920 --> 00:38:35,279
Speaker 2: something like that.

893
00:38:35,560 --> 00:38:37,080
Speaker 1: I was sad, but not really, No, you.

894
00:38:37,120 --> 00:38:39,600
Speaker 2: Aren't, because we've been advocated. If you hate it, the

895
00:38:39,640 --> 00:38:41,320
Speaker 2: fact that it costs what four point three cents to

896
00:38:41,400 --> 00:38:44,200
Speaker 2: actually make a single penny is like the most backwards

897
00:38:44,239 --> 00:38:46,120
Speaker 2: thing it is, United State.

898
00:38:46,200 --> 00:38:48,000
Speaker 1: It's a cute little copper things. They're not going to

899
00:38:48,040 --> 00:38:50,000
Speaker 1: be around anymore, and so I'm glad that we're not

900
00:38:50,719 --> 00:38:52,759
Speaker 1: wastefully creating pennies anymore. I'm glad I don't have to

901
00:38:52,880 --> 00:38:55,840
Speaker 1: use them keep up with them, but you know, they

902
00:38:55,880 --> 00:38:56,239
Speaker 1: were cool.

903
00:38:56,360 --> 00:38:58,600
Speaker 2: It's gonna I'm more likely to hang onto the pennies

904
00:38:58,640 --> 00:38:59,920
Speaker 2: that we have in order to play some of the

905
00:39:00,000 --> 00:39:01,919
Speaker 2: different games we play with the kids, like card games.

906
00:39:02,000 --> 00:39:03,439
Speaker 1: The best thing to do with a penny these days

907
00:39:03,800 --> 00:39:05,960
Speaker 1: we put it on a railroad track and get smashed.

908
00:39:06,160 --> 00:39:10,000
Speaker 2: And because then you've essentially destroyed history, do a nickel

909
00:39:10,239 --> 00:39:12,279
Speaker 2: or a court, you know something else that they're still making.

910
00:39:12,280 --> 00:39:13,560
Speaker 1: All right, hold on to your pennies.

911
00:39:13,880 --> 00:39:15,480
Speaker 2: I'm just saying, ten years down the line, I think

912
00:39:15,560 --> 00:39:17,080
Speaker 2: folks are gonna say, oh, I wish it would have

913
00:39:17,200 --> 00:39:19,920
Speaker 2: like held on to a buck or two worth of

914
00:39:20,040 --> 00:39:22,600
Speaker 2: pennies for like little stuff, aroun onto one sleeve for

915
00:39:23,560 --> 00:39:24,359
Speaker 2: just for just for kicks.

916
00:39:24,800 --> 00:39:26,440
Speaker 1: All Right, it's gonna do it. For this episode, we'll

917
00:39:26,440 --> 00:39:29,360
Speaker 1: put links to some of the stories we mentioned up

918
00:39:29,400 --> 00:39:32,799
Speaker 1: on our website in the show notes at Howtomoney dot com.

919
00:39:33,360 --> 00:39:34,239
Speaker 1: Matt Until next time.

920
00:39:34,640 --> 00:39:36,640
Speaker 2: Best Friends Out and best Friends Out