Speaker 1: Welcome to Had of Money. I'm Joeld, I'm Att. Today
Speaker 1: we're talking soft switching, tariff turn around, and discounted drugs.
Speaker 2: Happy Friday, everyone. We hope everyone is at a wonderful
Speaker 2: week and we are glad that you're here to join
Speaker 2: this listening experience that we're about to deliver to you
Speaker 2: the Friday flight.
Speaker 1: It's right. I've already had one Thanksgiving meal at my
Speaker 1: kids school, Matt, earlier this week, so you warm it
Speaker 1: up for I'm ready for Yeah, it's like a week
Speaker 1: and a half of Thanksgiving festivities over here because then
Speaker 1: we have to eat with my family. But that's like,
Speaker 1: how do you feel about to travel to have dinner
Speaker 1: with other family?
Speaker 2: You think the Thanksgiving turkey is a little overrated justly
Speaker 2: speaking as a meal.
Speaker 1: No, I think we should eat more turkey. I'm actually
Speaker 1: I think it's sad that we don't, that we eat
Speaker 1: so little of it dry typically, it's like a dry meat, man,
Speaker 1: It's like they're cooking it right. Well, most people do
Speaker 1: overcook the inject trap puppy. I'm smoking one actually for
Speaker 1: this weekend, So I'm excited about that.
Speaker 2: And think about how very nice.
Speaker 1: How inexpensive turkey is Matthew ninety nine cents a pounds
Speaker 1: for fresh, never frozen turkey.
Speaker 2: It's a fairly affordable protein. That's for sure, much more
Speaker 2: affordable than some of the meat that we're going to
Speaker 2: get to later on this episode. True story. I saw
Speaker 2: you the other day. Actually, we're both driving on the
Speaker 2: Interstate and I passed your tail. Were driving. You were
Speaker 2: over there, juice in your miles per gallon. That's right,
Speaker 2: hypermiling here you were on eco mode. I'm sure over
Speaker 2: there in the van, but I noticed you had some
Speaker 2: fresh tires on that thing man looking looking nice.
Speaker 1: I did, so. I just got a set of new
Speaker 1: tires on the mini van and I did some extensive shopping.
Speaker 1: And actually now is a great time of year talking
Speaker 1: about like Black Friday sales and stuff like that. They
Speaker 1: even have sales on tires. It's not one of those
Speaker 1: things that you normally think about. But I was like,
Speaker 1: all right, I know I need some. Maybe let me
Speaker 1: see if I can hold off and find a good deal.
Speaker 1: And I'm a member, not just a costco but at
Speaker 1: Sam's Club. We don't talk about Sam's Club very often
Speaker 1: on the show.
Speaker 2: I always forget about Sam's Club. Because it's not you
Speaker 2: y'all live a bit closer to it than we do.
Speaker 2: It's not on our regular trek, it's not on a
Speaker 2: regular route that we travel, so because that is out
Speaker 2: of sight, out of mind. Yeah.
Speaker 1: So it's literally right on the way home from Emily's office,
Speaker 1: so she'll stop there on the way home to grab
Speaker 1: stuff sometimes.
Speaker 2: Nice.
Speaker 1: And the I was like kind of going back and
Speaker 1: forth between Sam's and Costco and uh, and I looked
Speaker 1: at a couple other places too, but Sam said the
Speaker 1: best offer, man, And so what was the price?
Speaker 2: Do you remember?
Speaker 1: So I think out the door was like seven to
Speaker 1: twenty five for four new tires installed. That's a great price,
Speaker 1: the whole thing. And one of the things that actually
Speaker 1: pushed me over the edge towards Sam's was like there
Speaker 1: were great tires of a good price, but also they
Speaker 1: offer four years of roadside assistance when you buy tires there.
Speaker 2: So I just there's like, how highly rated is the
Speaker 2: Sam's Club roadside? It's question, that's a good We'll see,
Speaker 2: we'll see if I get what I'm paying for or
Speaker 2: if this is actually something helpful, if I get trained
Speaker 2: on the side of the road. But five years of
Speaker 2: road hazard protection. You still get like the free flat repair,
Speaker 2: rotation of balance which they offered Costco, and I think
Speaker 2: they offer a discount tire two, so that's not necessarily
Speaker 2: out of the ordinary. Yeah, but at the roadside assistance,
Speaker 2: So that's that'll be the big the payout, I guess,
Speaker 2: because that sounds like it would have been. Was that enough?
Speaker 2: Is that what kind of swayed you over when you
Speaker 2: saw that and thought, oh wow, this is actually I
Speaker 2: was like the prices added benefit already a little bit
Speaker 2: lower for.
Speaker 1: Some really good tires. And then I was like, if
Speaker 1: it's got this other perk two, then maybe it makes
Speaker 1: sense to like, we'll test the waters and see if
Speaker 1: we ever actually have to use it. I'm curious to
Speaker 1: see if it works well or not. But yeah, yeah, yeah,
Speaker 1: So get those Black Friday tire deals if you're balding
Speaker 1: like mine or.
Speaker 2: I feel like the typical sale or discount at discount tires.
Speaker 2: I think last time when I got the tires changed
Speaker 2: out is around two hundred dollars a tire. So if
Speaker 2: you can get out there for like a little under eight,
Speaker 2: that's a good deal. You got you down to the
Speaker 2: lower sevens even better, deal man.
Speaker 1: And it felt kind of providential, Like I had a
Speaker 1: screw in the tire the day I was going to
Speaker 1: get it changed.
Speaker 2: That's right, Yeah, that's why you borrowed my the pump.
Speaker 1: That's right. You had to pump it up just so
Speaker 1: I could get over there to get them changed. But
Speaker 1: I was like, now I don't have to like get
Speaker 1: this flat repair.
Speaker 2: Just get it all taken care of all together. Let's
Speaker 2: spend some time talking about credit cards, Joel, because it
Speaker 2: seems like taking full advantage and maximizing the different credit
Speaker 2: card rewards out there, it's basically becoming like a part
Speaker 2: time job. Not only are the annual fees increasing, but
Speaker 2: so are the hurdles for snagging those perks.
Speaker 1: Well, the fancy cards. We're talking like seven, eight, nine
Speaker 1: hundred dollars a year.
Speaker 2: If you are the type of person that's gonna visit
Speaker 2: the lounges and take advantage of all that they have
Speaker 2: to offer more power to you. But the potential dollar
Speaker 2: value of those perks offered with the annual fee, of course,
Speaker 2: it has grown significantly, but accessing those perks has certainly
Speaker 2: come with roadblocks. The rewards are functioning more like like
Speaker 2: old school coupon books, to the chagrin of many users
Speaker 2: who are just used to at least for me, I
Speaker 2: like things to be as simple and the ability to
Speaker 2: get some cash back you.
Speaker 1: Know there straight up it's like, oh, you can get
Speaker 1: this reward in this quarter, but then you got to
Speaker 1: spend more money next quarter to get.
Speaker 2: More of that reward. Everyone was a fan of that,
Speaker 2: the rotating the rotating categories. Yeah, but then there's like
Speaker 2: quarterly credits, there's monthly rebates. They are all a part
Speaker 2: of the credit card company approach, hoping that the deals
Speaker 2: are gonna actually sound better than they function. Then they
Speaker 2: actually impact your your bottom line. And the data shows
Speaker 2: that fewer high end reward card users are actually getting
Speaker 2: the benefits beyond the what they're paying in the annual fee,
Speaker 2: and so they're not actually you're you're not coming out ahead.
Speaker 2: The credit card companies are, and in an attempt to
Speaker 2: maximize the rewards, some users are opting for spreadsheets, which
Speaker 2: makes a ton of sense because if you are going
Speaker 2: to play the game, you better play it right, while
Speaker 2: others like me are just throwing in the towel. So
Speaker 2: I think it's okay to downgrade. It's I think it's
Speaker 2: good to even cancel an extensive card if it's not
Speaker 2: working for you and going with something a bit more basic.
Speaker 1: Yeah, which is interesting, Like, usually we're kind of against
Speaker 1: the cancelation of credit cards for the sake of your
Speaker 1: credit score, but chances are, like, if you have a
Speaker 1: great score and you've got a card with the high
Speaker 1: annual fee that you're just not getting enough rewards from,
Speaker 1: You're like, I'm paying the anal fee, but like I
Speaker 1: either have to manufacture spending. I'm spending more than I
Speaker 1: want to. It actually has become like a pain in
Speaker 1: my butt. How much is this actually doing for me
Speaker 1: versus a straight up just two percent cash back card
Speaker 1: that I don't have to think about. If it's overwhelming
Speaker 1: you or the rewards just aren't worth it, then reconsider, yeah,
Speaker 1: in downgrade or even cancel, especially if you don't need
Speaker 1: to use your credit score for a big purchase in
Speaker 1: the near time, near future, like getting a mortgage or
Speaker 1: something like that. It is kind of crazy how complicated
Speaker 1: some of these rewards cards have gotten. And Mett, there's
Speaker 1: a new credit card on the scene that I just
Speaker 1: saw from US Bank, And this one is actually not
Speaker 1: similar to the high end rewards cards. It's an attempt
Speaker 1: to merge a credit card and buy now, pay later.
Speaker 1: You know, this is not something the hybrid model we're
Speaker 1: going to be fans of. Yeah, I like hybrids, like
Speaker 1: a pres or something like that, but not not in
Speaker 1: terms of like emerging of credit cards and buy now,
Speaker 1: pay later. Instead of paying off the full balance at
Speaker 1: the end of the month, with this card, you can
Speaker 1: pay off your balance over the course of three months
Speaker 1: instead for a fee. Of course, you got to pay
Speaker 1: extra for that privilege. And I just don't like credit
Speaker 1: cards becoming more like buy now, pay later. Credit cards
Speaker 1: are awesome, not because they're debt products, but if you
Speaker 1: use them properly, they offer perks, they offer protections for
Speaker 1: you as a consumer. And so if you're just if
Speaker 1: you're just using it as a method of payment to
Speaker 1: do the buying that you already would have done and
Speaker 1: paying it off in full at the end of the month,
Speaker 1: credit cards can be an excellent way to facilitate purchases,
Speaker 1: but using any payment method to extend your buying timeline
Speaker 1: because you don't have the cash, that's a red flag.
Speaker 1: So if you're like, oh, this credit card is great,
Speaker 1: not because of the perks, but because it allows me
Speaker 1: to pay off the item I bought well further down
Speaker 1: the road. I don't like that. So I'm really not
Speaker 1: a big fan of this newest new US Bank credit card.
Speaker 2: Yeah, yeah, you said there's a new card that you
Speaker 2: recently read about. It's not the card I thought you
Speaker 2: were gonna mention. The card that I came across recently
Speaker 2: that I applied for is the new robin Hood card,
Speaker 2: the new robin Hood Gold Card.
Speaker 1: That's pretty good.
Speaker 2: It's across the board cash back, which is first of
Speaker 2: its kind right there. I don't think there has been
Speaker 2: any other card, and so I quickly applied and got it.
Speaker 2: But I haven't read all the details on it yet,
Speaker 2: but we certainly will let folks know. I did see
Speaker 2: that it's when did a launch? Well, they announced it
Speaker 2: last last year.
Speaker 1: I want to say.
Speaker 2: We talked about it, and it's been sitting around, I
Speaker 2: think as they're trying to figure things out. But the
Speaker 2: actual at least for me maybe other folks have been
Speaker 2: it's been trickling out. But I it showed up in
Speaker 2: my email the other day and I hit I apply
Speaker 2: now and filled out the information and they said it's
Speaker 2: going to be showing up and sometime next week.
Speaker 1: Is there an annual fee for that card or is
Speaker 1: it just a robin Hood Gold member.
Speaker 2: Technically there is, because it's to be a robin Hood
Speaker 2: Gold Member, you're paying five bucks a month or fifty
Speaker 2: or six sixty eight years slightly discounted. So technically there's
Speaker 2: not a direct annual fee for the card, but there
Speaker 2: kind of is. But that being said, then you get
Speaker 2: the additional benefits of being a robin Hood Gold member,
Speaker 2: right with a match the only or one of the
Speaker 2: very few non employer IRA matches that's that's being provided
Speaker 2: out there.
Speaker 1: So just say rob robin Hood's making it more and
Speaker 1: more enticingly, they're making.
Speaker 2: They are, they are making it attracted.
Speaker 1: Like every time they announce something awesome, they also now
Speaker 1: something that I'm like a little wary of those.
Speaker 2: I know.
Speaker 1: Yeah, you just have to pick and choose the benefits
Speaker 1: that you want to access with Robinhood three.
Speaker 2: Percent though across the board. I am really curious to
Speaker 2: see if this is going to replace like my City
Speaker 2: Double Cash card for just like all the standard purchases.
Speaker 2: But well, okay, so actually, while we're talking about robin Hood.
Speaker 2: Did you see that they are offering this whole thing
Speaker 2: where they can bring cash to your doorstep. It's like
Speaker 2: Uber eats, but for dollar bills.
Speaker 1: I did. I saw that.
Speaker 2: It seems like there was a whole lot of other ways. Well,
Speaker 2: it's like seven bucks in order to get cash delivered
Speaker 2: to your.
Speaker 1: Front door unless you're a Robin Hood Golden right, or
Speaker 1: if you've got at least one hundred thousand dollars in
Speaker 1: assets with Probaina. So for me, it's like three bucks
Speaker 1: or something. Yeah, per cash delivery as opposed to which
Speaker 1: is lower than a regular ATM fee.
Speaker 2: But you folks should be with a bank that reimburses atmfees.
Speaker 2: And if you don't have a bank that does that,
Speaker 2: you should then be if you need cash, which is
Speaker 2: a rare occasion, you should be getting cash back with
Speaker 2: your debit card once in a blue moon whenever it
Speaker 2: is that you need to do that, which you can
Speaker 2: do at a grocery store or Facebook marketplace. I just
Speaker 2: listed something and the lady was like, can I come
Speaker 2: buy and bring cash? I was like, no problem. Cash
Speaker 2: is accepted at the All Mix household, you know, because
Speaker 2: that that is honestly how we get cash like in
Speaker 2: our coffers at home, to be able to pay the kids.
Speaker 2: Like I can't literally remember the last time I went
Speaker 2: to an ATM or got cash back. It's truly because
Speaker 2: of this kind of rotating stash of cash that we have,
Speaker 2: that the kids earn money for jobs and then pay
Speaker 2: back to us when they want to buy something.
Speaker 1: Yeah, basically, you know what I was reminded of earlier
Speaker 1: this week that I hadn't thought about or had forgotten about,
Speaker 1: was that some grocery stores are actually charging you to
Speaker 1: get cash backs, which I think extends to Kroger. I
Speaker 1: think they're basically the same corporate ownership.
Speaker 2: Sounds like a Krumby place to shout up with, well,
Speaker 2: if you can't.
Speaker 1: Cash back, and I don't know if this is true
Speaker 1: at other grocery stores as well, but if it's like
Speaker 1: twenty bucks, you pay fifty fifty cent fee, and if
Speaker 1: it's like even more than that, I think you're paying
Speaker 1: two or three dollars to get cash.
Speaker 2: Back, which is like, so everyone's getting paid roughly.
Speaker 1: I mean, I think the average ATMF is something like
Speaker 1: five dollars and fifty cents, which is insane. That's again
Speaker 1: why you need to be with one of our favorite
Speaker 1: online banks who doesn't charge or would either have an
Speaker 1: ATM network that allows you to avoid paying any fee,
Speaker 1: or there's the if you like bank with like Schwab
Speaker 1: or something like that. I'm pretty sure Schwab they will
Speaker 1: refund any atem fee that you incur. So I mean again,
Speaker 1: this is one of those things where how often am
Speaker 1: I getting cash similar to you? Not very often yep,
Speaker 1: But okay, speaking of banks, and maybe some banks are
Speaker 1: better than others, and so you might want to consider
Speaker 1: leaving the Krumi bank you're with, especially if it's one
Speaker 1: of the big bank that's big banks that has a
Speaker 1: brick and mortar on every street corner, which has become
Speaker 1: their favorite form of marketing. Now, I don't know, it's
Speaker 1: highly profitable and necessarily to have those.
Speaker 2: It's just convenience, not unlike the sam sting. If it's there,
Speaker 2: maybe you'll go into it. But the fact that I
Speaker 2: never pass it, I don't ever step foot into the
Speaker 2: same club.
Speaker 1: So what people are choosing to do now instead of
Speaker 1: signing up and moving everything over to a new bank,
Speaker 1: they're doing this thing because of course, there's a catchy
Speaker 1: term for everything these days, soft switching. This is the trend,
Speaker 1: and basically what it means is that people are opening
Speaker 1: up another bank account in order to get better service
Speaker 1: or higher interest rates, but they're just not moving all
Speaker 1: of their deposits or direct payments over to this new
Speaker 1: bank because it'd be too much of a hassle.
Speaker 2: I'm totally done with that name. Instead of hard switching.
Speaker 1: Just a soft switch, little soft switch, And that maybe
Speaker 1: that I think people are obvious always, or that's maybe
Speaker 1: one of the pushbacks we get is like, oh, gosh, guys,
Speaker 1: switching banks is a massive pain. Well, so what if
Speaker 1: you don't fully switch banks? But what if you open
Speaker 1: an account with an online bank that is better and
Speaker 1: you either slowly migrate over, making easing the try transition,
Speaker 1: or you just have both simultaneously. And you're like, well,
Speaker 1: this bank offers you free checks, and it offers a
Speaker 1: better higher interest rate, and it offers better customer service.
Speaker 1: So I'll do I'll take advantage of the things that
Speaker 1: they offer, but I'll keep maybe my crummy bank account
Speaker 1: that I've had for forever and so that I don't
Speaker 1: have to change everything all at once.
Speaker 2: I like that it gives you a longer amount of
Speaker 2: time to be able to get used to the new platform.
Speaker 2: How it is that they do things, because I think
Speaker 2: that's for a lot of folks, they just don't want
Speaker 2: to have to learn the new system. Like everyone's just
Speaker 2: used to the status quo and keeping their their financial
Speaker 2: equilibrium for a lack of a better term, joll, how
Speaker 2: do you feel about what prices have been How do
Speaker 2: you specifically feel about tariffs and enforcing the hand of
Speaker 2: the market and getting other countries to pay the high
Speaker 2: prices in.
Speaker 1: Order to bolster US manufacturing. And I've talked about this
Speaker 1: a little bit on the show. I think it's so
Speaker 1: fascinating that so many people who were anti tariffs and
Speaker 1: pro free markets started to buy into the fact that, like, oh, yeah,
Speaker 1: tariffs are the solution, it's to all the ales that
Speaker 1: we face. And I just don't think they are. And
Speaker 1: I think are finally starting to catch up with us.
Speaker 1: I had as prices are solely starting to catch up prices, right,
Speaker 1: that's right. And I was hanging out with a friend
Speaker 1: recently and he was talking about a big company that
Speaker 1: he works for, a water sports company, and you would
Speaker 1: recognize the name. They make a lot of stuff, and
Speaker 1: he said he was talking about the impact of tariffs
Speaker 1: on the company, and he's like, we've been eating the tariffs,
Speaker 1: like we've had to, you know, reduce staff, We've had
Speaker 1: to really watch costs. It's been it's been really like
Speaker 1: tough sledding. And we're not a big enough company where
Speaker 1: we have the ear of the president to roll back
Speaker 1: tariffs on our specific items that we're that we're working on,
Speaker 1: and so it's been He's like, well, pretty soon those
Speaker 1: prices are going to have to go up like they
Speaker 1: just are. And and so I think we're starting to
Speaker 1: finally see that that pre buying of the inventory has
Speaker 1: It takes a while old.
Speaker 2: Yeah, it takes a while for to trickle through the
Speaker 2: system before, like the information, like the feedback loop.
Speaker 1: It takes.
Speaker 2: It's not something that you can measure within a couple months.
Speaker 2: In a few months, it's gonna Yeah, I would not
Speaker 2: be surprised to see things change dramatically if we're not
Speaker 2: wanting to continue to see prices rise well without an
Speaker 2: end insight.
Speaker 1: I think the place where we've seen maybe the most
Speaker 1: impact of tariffs more quickly has been at the grocery store,
Speaker 1: and at least like the President is starting to realize
Speaker 1: that higher prices at the grocery store are annoying Americans,
Speaker 1: that they're frustrated by paying more for things like bananas
Speaker 1: and coffee and beef, and so this he just opted,
Speaker 1: I think it was Friday after our show came out.
Speaker 1: Matt he said that he's going to roll back tariffs
Speaker 1: at the grocery store on specific items, on dozens of items.
Speaker 1: And so it feels like this like tacit acknowledgment. I'm
Speaker 1: not going to say it out loud, but yeah, I
Speaker 1: guess they are causing higher prices. So I'm going to
Speaker 1: roll them back on some things that people notice on
Speaker 1: when they're going, you know, because we buy groceries multiple
Speaker 1: times a week typically, and so yeah, in some categories
Speaker 1: in particular, inflation has been incredibly high. Steak, coffee, bananas,
Speaker 1: and oh well, guess what, we can't grow much coffee
Speaker 1: in the United States. Oh guess what, we can't really
Speaker 1: grow bananas in the United States. So all the tariffs
Speaker 1: were doing with leading to higher prices. It was attax
Speaker 1: on consumers and people. We are frustrated to see steak
Speaker 1: costing twenty dollars a pound when it costs twelve dollars
Speaker 1: a pound in January, and so, yeah, the tariffs jack
Speaker 1: up prices across the board. It's good to see at
Speaker 1: least a little recognition of that from the White House.
Speaker 1: It'd be nice if we didn't have a willy nilly
Speaker 1: tariff regime going on, but at least we will see
Speaker 1: some relief on some of these items.
Speaker 2: Yeah, basically, tariffs act as attacks to us as US consumers,
Speaker 2: which just basically make things more expensive. But consumers, we
Speaker 2: can't do much about higher prices that stem from bad
Speaker 2: policy specifically, but folks are reacting intelligently by spurning beef
Speaker 2: instead for chicken. So Tyson reported that beef sales continued
Speaker 2: to decline, and chicken is through the roof. It's rising
Speaker 2: quite significantly in popularity. It's up twenty eight percent year
Speaker 2: over year, which makes sense when a whole chicken is
Speaker 2: like a fraction of the cost of beef. I think
Speaker 2: it's something like ninety nine cents a pound as opposed
Speaker 2: to ground beef, which is around six dollars per pound.
Speaker 2: But Jill, you know, one of the other ways that
Speaker 2: you can combat the high prices of beef and specifically
Speaker 2: steak is to get in on sale, and this is something.
Speaker 2: This is I'm going to celebrate a little Costco win,
Speaker 2: which is that they were offering whole slabs of ribbi.
Speaker 1: Oh you did this, didn't so well? You okay? I
Speaker 1: told you about it. You told me about it, and
Speaker 1: I was like, so, Joel said he. I did not
Speaker 1: partake because it was like still really expensive.
Speaker 2: Joel said, Hey, they've got Prime Ribbi at Costco the
Speaker 2: whole side of the cow basically, and it's seventy five
Speaker 2: bucks off per package. And you're like that's crazy. I
Speaker 2: was like, yeah, did you crunch the numbers and you're like, well, no,
Speaker 2: it's just because you're still paying hundreds of dollars Yeah,
Speaker 2: for thos much meat.
Speaker 1: So it was the price per pound.
Speaker 2: Well, the next time I went there, they were still
Speaker 2: there because I think a lot of folks were still
Speaker 2: scared off by paying hundreds of dollars. But I did
Speaker 2: a quick calculation and it brought the price down to
Speaker 2: fifteen dollars a pound for prime, which is, dude, this
Speaker 2: you can't get prices at low. It's been like four
Speaker 2: or five years since I bought Prime Ribbi at fifteen bucks.
Speaker 2: Is a little bit less because everyone knows that when
Speaker 2: they do the discount per package, you go for the
Speaker 2: smallest package package in order to maximize that discount. So, dude,
Speaker 2: massive wind, I'd never done that before. I didn't tell
Speaker 2: you because I wanted to save it for the show.
Speaker 2: Come over to your house for rib I guess. But
Speaker 2: of course it's a whole thing, so you do have
Speaker 2: to slice it. But that was actually kind of fun.
Speaker 2: It was interesting to see, like, oh, this is how
Speaker 2: the Rabbi steak takes its shape, and this is the
Speaker 2: meat and cutting up cutting up your own steaks at home,
Speaker 2: you know, with a giant knife on the cutting board.
Speaker 1: Or your butchering skills.
Speaker 2: Not bad. Okay, so a cup, I will say, The
Speaker 2: stakes on the end don't quite look like Ribbi's right like,
Speaker 2: but man, all the cuts in the middle they look
Speaker 2: like just like they do when they cut them there
Speaker 2: at Costco. They're even more uniform though, because they always
Speaker 2: include one like thinner one or one really weird thick
Speaker 2: one in the package of four or something like that. Dude,
Speaker 2: I was like laser. I didn't pull out a laser
Speaker 2: level or anything like that, but I was just looking
Speaker 2: at it. Making sure each steak was cut perfectly. Put
Speaker 2: a bunch of those in gallon bags stuck in the
Speaker 2: freezer so they wouldn't get bad. But you like, that's
Speaker 2: that's one of the ways you also can combat some
Speaker 2: of these high beef prices, not just by opting for
Speaker 2: something different, but looking for some of those massive sales.
Speaker 2: And yeah, you got to be okay with stomaching a
Speaker 2: few hundred dollars spent that you're not going to consume
Speaker 2: for probably a month or two.
Speaker 1: Yeah, one of these days, one of these days, I'm
Speaker 1: going to do the quarter the half cow like some
Speaker 1: of my friends do, get in the deep freeze and
Speaker 1: go in that direction. I know that that's the way
Speaker 1: that people sa have a lot of money if they
Speaker 1: really love beef, which I do, but I have been
Speaker 1: kind of following the trend and going more in the
Speaker 1: chicken direction.
Speaker 2: But he's into much, He's into it. Next time you
Speaker 2: see one of the big things, you don't have to
Speaker 2: buy a special freezer for that. Like, you can cut
Speaker 2: up those steaks and prepackage them, slide them into the freezer.
Speaker 2: You're good to go. Yeah.
Speaker 1: Oh, speaking which, actually, remember when we talked about roadkill recently,
Speaker 1: one of our listeners reached out hello around the corner and.
Speaker 2: End of meeting the freezer.
Speaker 1: Yeah, and he offered he was like, hey, not roadkill,
Speaker 1: but I just killed a deer and butchered it up. Yeah,
Speaker 1: and so Brett super high listener. Brett offered us some
Speaker 1: minicism and I have not cooked it up yet. I
Speaker 1: have an either stoke too.
Speaker 2: Though, osbummed. I didn't get to meet him too, because well, yeah,
Speaker 2: I met up with you to kind of get my
Speaker 2: share or whatever. I was like, oh cool, So where
Speaker 2: did he get this meet from? Like where was he hunting?
Speaker 2: What was it or was it was he shooting the
Speaker 2: gun or was it like a bow hunting? And You're like,
Speaker 2: I don't.
Speaker 1: Know, So, yeah, Brett, give us some talking about something else.
Speaker 1: I think he just wrestled it to the ground. Probably, Yeah,
Speaker 1: it looked like he could have for sure. But yeah,
Speaker 1: I'm excited for that.
Speaker 2: The most ethical and sustainable way to and probably most
Speaker 2: affordable way too, to consume protein to get your meat.
Speaker 1: Agreed. One of the thing we should briefly talk about, Matt,
Speaker 1: that the Trump administration is doing. While we're talking about
Speaker 1: kind of the rollback of tariffs, is that your travelers
Speaker 1: might not be able to get compensation for delayed flights anymore.
Speaker 1: This was a proposed Biden era rule that would have
Speaker 1: held airlines accountable for like heavily delayed flights, and it's
Speaker 1: being taken off the table. I'm not sure how you
Speaker 1: feel about this. My guess is you probably are okay
Speaker 1: with it more than I am. But I just I
Speaker 1: think I like the incentive, at least for airlines to
Speaker 1: the stick to say, hey, you know, get people where
Speaker 1: they're going on time, or there's going to be a
Speaker 1: price to pay and when you if your flight's delayed.
Speaker 1: In Europe, Europe has really stringent rules compensation rules for
Speaker 1: delayed flights.
Speaker 2: But then but then you got to live in Europe.
Speaker 2: That's true, But US travelers, I'm sure there's there's some
Speaker 2: great places to live in Europe, but I mean there's
Speaker 2: a difference though between some of the different practices and
Speaker 2: how we go about governing our countries and like, like
Speaker 2: you alluded to, like if it existed, I would certainly
Speaker 2: take advantage of it, but it doesn't mean I'm happy
Speaker 2: about it, right, Like, there are certain things that they
Speaker 2: are just the way they are, but generally speaking from
Speaker 2: a principal standpoint, yeah, I do think it's probably for
Speaker 2: the best for this to go away. And instead of
Speaker 2: the government intervening, like, let the free market decide, right,
Speaker 2: Let folks post and share their dissatisfaction with an airline,
Speaker 2: Let the market to decide they like, well, no, your
Speaker 2: tickets aren't worth that anymore because you treat your passengers
Speaker 2: your customers poorly. As opposed to this other airline, I'm
Speaker 2: want to start flying with them instead.
Speaker 1: I think people do realize, oh, if I really really
Speaker 1: need to get where I'm going on time, maybe Spirit
Speaker 1: Airlines isn't the best exactly. It's like there is a
Speaker 1: kind of understanding, that knowledge that's.
Speaker 2: Something that you that you get with a more free
Speaker 2: and open market. Instead, you're thinking, all right, I'm gonna
Speaker 2: go ahead, splurge on the Delta tickets because I gotta
Speaker 2: be there. This is not something I can miss.
Speaker 1: When and when you look at the statistics, actually, Delta
Speaker 1: is I think the most on time carrier. So you
Speaker 1: might pay a little bit more, but what you pay
Speaker 1: for more likely to get where you're going on time.
Speaker 1: But just know that there's no exactly any sort of
Speaker 1: government backstop if your flight is delayed, unless you're taking
Speaker 1: a flight tour from Europe, in which case you might
Speaker 1: be eligible for some sort of compensation. All right, Matt,
Speaker 1: we got more to get to. You got to get
Speaker 1: the ludicrous headline of the week. Oh man, there are
Speaker 1: some incredibly new, overpriced gadgets out there that people need
Speaker 1: to be warned away from buying. Talk about that and
Speaker 1: more after this.
Speaker 2: All right, we are back from the break. It is
Speaker 2: now time for the ludicrous headline of the week, which
Speaker 2: is from CNN, which I will say, I feel like
Speaker 2: CNN has been putting out some better news recently over.
Speaker 1: The past couple of years, some good, good business news.
Speaker 2: Yeah. Yeah, not even the past couple of years, I
Speaker 2: feel like over the past several months. But this is
Speaker 2: a funnier story from CNN and the headline read Apple
Speaker 2: launches a two hundred and twenty nine dollars nine iPhone
Speaker 2: pocket sock to widespread amusement.
Speaker 1: And I was so abused too.
Speaker 2: I was quite amused myself.
Speaker 1: It's funny.
Speaker 2: Apple has been highly successful at monetizing desire through their
Speaker 2: in particular through their design. But I can't imagine anyone
Speaker 2: out there is going to desire a glorified sock to
Speaker 2: store your phone in for the high price of two
Speaker 2: hundred and thirty dollars, And.
Speaker 1: If it was a twelve dollars sock, I'd be like,
Speaker 1: all right, guys, that's cool whatever. Like some people, if it's.
Speaker 2: A twelve dollars SoC you're like, I'll get it. And
Speaker 2: it's the stocking stuffer. Yeah, it's funny, but they're kind
Speaker 2: of going like the Gucci route, except for dude, you
Speaker 2: know what the so you know what the soccer reminded me.
Speaker 2: It looks like a like a MANKINI from like Borat,
Speaker 2: Yeah it does. It does because it's like this long,
Speaker 2: stretchy sock. Yeah, it's I mean, you can't make it up.
Speaker 2: It's pretty ridiculous, stupid.
Speaker 1: It is something is like the Apple brand Halo damaged
Speaker 1: by releasing a ridiculous product that I think at some
Speaker 1: point people are like, wait a second, are you just
Speaker 1: trying to get my money without giving me anything of
Speaker 1: value in return?
Speaker 2: I think so.
Speaker 1: I feel like it eradicates, or at least reduces my
Speaker 1: trust in humanity. And I hope this product feels miserably.
Speaker 2: Unless they don't move any product and then you're like,
Speaker 2: all right, faith and trust restored.
Speaker 1: Yeah, that's true.
Speaker 2: Yeah, And I hope that if they want to put
Speaker 2: it out there and see if people buy it, like,
Speaker 2: more power to them.
Speaker 1: But hope they get stuck with a million boxes exactly,
Speaker 1: and then they have to get they're giving them away
Speaker 1: beause I guarantee the socks costs roughly a dollar and
Speaker 1: eighty two cents to make. Yeah, like eighty two cents,
Speaker 1: So the profit margin on it is just insane.
Speaker 2: You know what's funny? Though? Okay, before it sounds like
Speaker 2: you're about to move on, but I literally, back in
Speaker 2: the day, used to store my.
Speaker 1: iPod in a sock. And how expensive was that sock.
Speaker 2: It was just a sock that, just like the other pair,
Speaker 2: got a hole in it, and so I just used
Speaker 2: the sock to store my my iPod.
Speaker 1: I'm sure nobody made fun of you about it. My
Speaker 1: boss did. So this is back when I used to
Speaker 1: work for the ad agency. My creative director saw it
Speaker 1: one day when she was passing my desk and she's like, Matt,
Speaker 1: don't use this little Did she know that that was
Speaker 1: actually was ahead of the curve, the seed of an
Speaker 1: excellent idea? Yeah, to make ridiculous amount of money.
Speaker 2: Speaking of Christmas, she did get me a little actual
Speaker 2: iPod case, a little padded fabric case with a little
Speaker 2: beaner attached to it. Very much. I appreciate it. That
Speaker 2: is sweet.
Speaker 1: I used it well. I was going to move on
Speaker 1: because there's other ridiculously expensive Let's let's get to objects
Speaker 1: that we should mention. There a multiple ludicrous headlines. Yeah,
Speaker 1: Wired had this article about a three hundred dollar water bottle.
Speaker 1: Three hundred dollars for a water bottle.
Speaker 2: Explain explain what this water bottle did?
Speaker 1: Though, Well, if a if a sock is two hundred
Speaker 1: and thirty dollars, I guess sounds like a deal. It
Speaker 1: sounds reasonable. But it's this brand called Okappa, and they're
Speaker 1: they're touting it as and I quote, a technical feat
Speaker 1: of engineering beyond reason for a water bottle.
Speaker 2: Matt right.
Speaker 1: They engineered the heck out of this thing. It's been
Speaker 1: called the Ferrari of water bottles that now costs twelve
Speaker 1: times what a Stanley did, which was also overpriced and ridiculous.
Speaker 1: This water bottle doesn't do anything special, it doesn't filter
Speaker 1: your water, and worst of all, it has a bunch
Speaker 1: of extra parts that need regular cleaning. Does it look cool?
Speaker 1: Kind of? Yeah, yeah, kind of, But it's a I
Speaker 1: think it's a weird new product, and free markets are
Speaker 1: fascinating to me. I will be watching this. There was
Speaker 1: also like a five hundred and twenty dollars white T
Speaker 1: shirt that I saw recently as like, well, this is
Speaker 1: like the premium white T shirt, and I was like,
Speaker 1: it looks exactly.
Speaker 2: It's like a normal white.
Speaker 1: Teams like the Kirkland signature white T shirt that you
Speaker 1: get I don't know or in the pack for probably
Speaker 1: twelve dollars five hundred and twenty dollars for one shirt.
Speaker 2: It might come from the same factory.
Speaker 1: If you're into five hundred and twenty dollars white shirts,
Speaker 1: I don't want to throw shade. If you're into three
Speaker 1: hundred dollars water bottles, you do you. But I'm just
Speaker 1: hoping that these overpriced items that don't really offer any
Speaker 1: additional value are spurned. I'm not against spending a lot
Speaker 1: of money on something that's actually going to make a
Speaker 1: meaningful difference in your life, but I just don't think
Speaker 1: the water bottle or the phone sock are going to
Speaker 1: be those items.
Speaker 2: What's also funny. Okay, so the name of that water
Speaker 2: bottle was Okappa, which is very similar to Awala, which
Speaker 2: is two letter off, which is a superior water bottle.
Speaker 2: Do any of your kids have a.
Speaker 1: Walas, Yes, they do, and those are pretty UNDESTRUCTI little,
Speaker 1: easy clean. I'm literally still here with my twenty eighteen takiya.
Speaker 1: I don't even know how you say it, takaya whatever
Speaker 1: that I got from fin Con for free at the
Speaker 1: hotel after the party that we were helping to host
Speaker 1: was cleaning up and someone left their water bottle. You
Speaker 1: use it every day.
Speaker 2: It's a found water bottle. I don't think I've touched
Speaker 2: or used anything so often in my entire life.
Speaker 1: I'm using my free now gene given to us by
Speaker 1: the kind folks of Bill's Brewing.
Speaker 2: Yeah, classic bells, but I am considering getting in a
Speaker 2: while because of it's designed. It's tapers in the middle
Speaker 2: so it's easier to grab. It's got the straw and
Speaker 2: the spout ability to drink. I drink out of my
Speaker 2: daughter's the other day and I set out loud, this
Speaker 2: is in fact a superior water bottle. And with all
Speaker 2: that praise, we're not even sponsored by a whalla. But
Speaker 2: while we're talking about overpriced items, jol, let's talk about
Speaker 2: weight loss drugs. And obviously these drugs can have benefits
Speaker 2: for folks with actual diabetes. That's not how a lot
Speaker 2: of folks are using them these days, though, But the
Speaker 2: price is going to go down significantly on these drugs
Speaker 2: thanks to President Trump. It's not the free market at work,
Speaker 2: and honestly, there isn't much of that at all within
Speaker 2: the pharmaceutical space, but this new agreement is likely to
Speaker 2: save people a bunch of money every month. And this
Speaker 2: is all via Trump Orex. So again, don't love how
Speaker 2: we arrived here, but we want folks to know what's
Speaker 2: available to them or to find the best deal. And
Speaker 2: ZEP bound with govy is they're both now going to
Speaker 2: be available directly for far less than what's currently being charged.
Speaker 2: So folks without traditional insurance will be able to get
Speaker 2: these drugs for I think around one hundred and fifty
Speaker 2: dollars a month. Six hundred dollars is currently the lowest
Speaker 2: that I've seen, so this is a significant decrease.
Speaker 1: I think literally this week I saw some of them,
Speaker 1: I don't remember which one going down to like three
Speaker 1: fifty direct without insurance because they know this trump are
Speaker 1: X thing is coming down to compete. So prices are
Speaker 1: dropping dramatically on these GLP ones, which you know, one
Speaker 1: of the reasons that we're seeing higher healthcare costs right now,
Speaker 1: it's because of the GLP ones and how much the
Speaker 1: insurance companies are paying and what a large percentage of
Speaker 1: people on their insurance are opting for. Yeah, They're like,
Speaker 1: I want to sign up for this, and so the
Speaker 1: insurance company's kind of taking it on the chins. These
Speaker 1: lower prices could help reduce health care costs and could
Speaker 1: help reduce costs specifically for individuals buying those drugs directly. Actually,
Speaker 1: funny last night, my wife was talking about oze. Have
Speaker 1: you heard of this? No is a I've lost weight
Speaker 1: face basically, but it happened so quickly, like you can
Speaker 1: you can tell like very quickly who who's using it
Speaker 1: because the weight.
Speaker 2: Falls off and their skin that their skin doesn't have
Speaker 2: time to react as basically like you got lap band
Speaker 2: surgery face. Yeah, pretty much, I've not heard that, but
Speaker 2: actually you saying ozempic face. The reason that's the thing
Speaker 2: is because it starts.
Speaker 1: With oh, which off of space though, face face well,
Speaker 1: and it's it has been interesting. But when you look
Speaker 1: at the chart of obesie rates in this country, they
Speaker 1: declined for the first time this over the past year. Yeah,
Speaker 1: like it was a steady incline on the way up.
Speaker 1: And it is cool in some ways to see that
Speaker 1: obese rate.
Speaker 2: Dropping and hopefully that'll lead to other health benefits, right,
Speaker 2: like increases when it comes to some of the other measures,
Speaker 2: not just in obesity.
Speaker 1: I wanted to hit on a touchy subject though, because
Speaker 1: I saw a an article in the cut about taking
Speaker 1: ozepic to get ahead at work or taking any of
Speaker 1: these weight loss medications, and research does show they highlighted
Speaker 1: in the article that thinner people tend to get paid
Speaker 1: more and attain higher status jobs. I was talking to
Speaker 1: my sister about this and she was like, that's so true,
Speaker 1: Like everyone right around the CEO is incredibly thin and
Speaker 1: like they look fit and stuff like that, and so
Speaker 1: she was like, it is harder for people who are
Speaker 1: overweight to get ahead at least where I work, and
Speaker 1: this appears to bear out in the statistics. So, Matt,
Speaker 1: in a world where everyone's doing it, and it could
Speaker 1: be your career advantage, you can make more money, even
Speaker 1: considering the extra you might be paying to access these drugs.
Speaker 1: Does jumping on the bandwagon of weight loss drugs makes
Speaker 1: sense for more people?
Speaker 2: I think it could, right, Like, so you're basically asking
Speaker 2: if it's like table stakes now, the fact that you've
Speaker 2: got to do this if you want to.
Speaker 1: I think for a lot of people it feels that way.
Speaker 2: Yeah, I think so. I think I would be. I mean,
Speaker 2: they haven't been around for all that long, and so
Speaker 2: my biggest question are, like, what are the long term
Speaker 2: impacts of these drugs? That's one thing, But then also
Speaker 2: so if there's.
Speaker 1: Like bone loss and like long term gut issues.
Speaker 2: Yeah, it reduces your design across the board, and that's
Speaker 2: something else. The whole other can of worms that we
Speaker 2: probably don't need to get into during this episode. But
Speaker 2: going back to the fertility rates, and you know, these
Speaker 2: are discussions we've had on the show's that was the
Speaker 2: topic of your conversation with Melissa Kearney, Right, I don't know,
Speaker 2: it's it's a double edged sword.
Speaker 1: I agreed. Let's talk about cars. Everyone thought Toyota was
Speaker 1: crazy when they doubled down on hybrids, and they said,
Speaker 1: we're just not going to get into the EV game
Speaker 1: right now.
Speaker 2: I didn't think it was crazy.
Speaker 1: Yeah, hybrid's hybrids of all, A lot of people did
Speaker 1: think about VW, going like, hey, we're going all in
Speaker 1: on this, and a lot of car makers were like,
Speaker 1: we got to come up with an EV lineup, people,
Speaker 1: this is the future full EV.
Speaker 2: By twenty twenty eight, right. I remember the Super Bowl ads.
Speaker 1: Right, Volvo, But I feel like now Toyota's looking crazy
Speaker 1: like a Fox cause the whole EV spaces and turmoil.
Speaker 1: Brands have not found a way to reliably produce vehicles
Speaker 1: that turn a profit. Consumers are less interested as tax
Speaker 1: credits are evaporating, so car brands are attempting to pivot.
Speaker 1: Ford basically said, hey, we're probably going to stop making
Speaker 1: the Ford Lightning even though it's the best selling EV
Speaker 1: truck on the market. It turns out that title doesn't
Speaker 1: really mean much because unit sales are still pretty paltry
Speaker 1: and it's just really expensive to get into a new
Speaker 1: EV these days. I think that Ford Lightning was supposed
Speaker 1: to start at forty grand but an entry level model.
Speaker 1: Now it starts like sixty thousand, so prices skyrocketed on that.
Speaker 1: I remember when they announced the Ford Lightning at forty
Speaker 1: k and I was like, yeah, I might be in
Speaker 1: for that, but then the price went up dramatically and
Speaker 1: I was like, yeah, no, I'm not going to buy
Speaker 1: one for sixty grand. So I think car companies are
Speaker 1: going to have to find a way to bring down
Speaker 1: production costs to peak interest or just stop making cars
Speaker 1: that don't sell. And so I think we are going
Speaker 1: to see kind of a pairing down of electric electric
Speaker 1: vehicle offerings as many manufacturers are just like, we don't
Speaker 1: know how to turn a profit on these, that's.
Speaker 2: Right, Okay, So, speaking of car expenses, we've known that
Speaker 2: poor or even non existent credit history can have a
Speaker 2: pretty wide ranging impact on your personal finances, including increasing
Speaker 2: the cost of car insurance in most states. Well, there
Speaker 2: is a recent NPR investigation and they found that the
Speaker 2: impact can be massive. And so in that report, the
Speaker 2: same applicant, with the only difference being a poor or
Speaker 2: excellent credit score, could actually pay thousands of dollars more
Speaker 2: in premiums annually. And this is another instance of where
Speaker 2: you may not totally agree with how it is that
Speaker 2: we are calculating credit scores and the system's not perfect.
Speaker 2: But it is another reason to know the game and
Speaker 2: to play by the rules. I feel like so much
Speaker 2: of our episode today is just like, we don't love
Speaker 2: how this is happening, but we want you to have
Speaker 2: the knowledge and know how this is impacting your personal finance.
Speaker 1: Do we love how much influence and power the three
Speaker 1: credit bureaus have and do we like how they wield
Speaker 1: their influence and power, But they're not awesome.
Speaker 2: That's not for debate right now. What's up for debate
Speaker 2: is what it is that you can do as an
Speaker 2: individual to better your personal standing.
Speaker 1: You need to know your credit score, and you need
Speaker 1: to make sure that it's solid because and that typically
Speaker 1: needs like seven forty or above. Is really the goal
Speaker 1: we're shooting for. If that's the case, and I think
Speaker 1: you said most states, Matt, I think it's three states
Speaker 1: that don't allow credit scores to influence what you pay
Speaker 1: for car insurance. But other than that, in the forty
Speaker 1: seven states, it's fair game. And so if you live
Speaker 1: in the majority of the United States of America, paying
Speaker 1: attention to your credit score is going to help you
Speaker 1: pay less yep for car insurance. While we're talking about cars, Matt,
Speaker 1: let's do one final story. Let's talk about car technology.
Speaker 1: I think one of the reasons I don't love renting
Speaker 1: cars because it's kind of expensive. But the thing I
Speaker 1: do love about renting cars is you get to kind
Speaker 1: of test drive something you've never experienced before. Like I
Speaker 1: test drove a Subaru ev last time I rented a car,
Speaker 1: and I was like, this is fun. And then it
Speaker 1: was a Toyota Sienna and I'm like, ooh, this is
Speaker 1: different than my Honda Odyssey because I'm such a middle
Speaker 1: aged man and love to test drive minivans Like that's
Speaker 1: I never would have said that twenty years ago.
Speaker 2: I've been it's highly under a we've lost all our
Speaker 2: street credit with you know I need to do is
Speaker 2: talk to my neighbor. They just they got an expedition,
Speaker 2: which is a you know, big, Yeah, their family is growing.
Speaker 2: But I'm like, why haven't you considered a minivan, Like
Speaker 2: if you just go on one little trip with us.
Speaker 1: You could totally be a minivan car salesman.
Speaker 2: Aside from the fact that it's just old and kind
Speaker 2: of smells, like when you get used to the space,
Speaker 2: the automatic doors, there's no nice there's no having to
Speaker 2: like lift that baby seat way up high. You get
Speaker 2: like in some of these cars, man, like you have
Speaker 2: to raise the baby seat up like six feet up
Speaker 2: in the air to latch it into the the car base.
Speaker 1: So any fans, they ride so smooth too, They're wonderful. Yeah,
Speaker 1: they're so great. So everyone out there considered the minivan.
Speaker 1: But one of the things I love is car play, right,
Speaker 1: It's so nice compared to my cars are so old.
Speaker 2: Yeah I don't have that.
Speaker 1: Yeah, I've got literally an OX jack, which my car's
Speaker 1: in six so it means it was probably like the
Speaker 1: first year they put those in, and so I'm glad
Speaker 1: I have it. Oh yeah, the auxiliary jack was a feature. Yeah,
Speaker 1: you see it as a bug. That meant it was
Speaker 1: high end back in. I think it's right. But I
Speaker 1: love how like when I get into my rental car,
Speaker 1: it just kind of automatically connects and I can play
Speaker 1: stuff for my phone. It's super simple. Well, GM announced
Speaker 1: that it's ditching car Play in all of its new
Speaker 1: cars in favor of its own proprietary software, and I
Speaker 1: gotta imagine, Matt, that people are going to be far
Speaker 1: less interested in GM cars because of this. This seems
Speaker 1: like a really bad move. Totally agree the you know,
Speaker 1: the Apple and Android. They make it free. It's free software,
Speaker 1: and consumers like it because guess what, it works really
Speaker 1: well with their phone.
Speaker 2: I gotta know that it looks just like an iPhone
Speaker 2: ruff for it's on car Play. Yes, a proprietary Why
Speaker 2: would I not want that. GM software is not going
Speaker 2: to be better than this, So this might be GM
Speaker 2: shooting itself in the foot. Well yeah, and you know,
Speaker 2: you know why they're doing this, probably right like they're
Speaker 2: trying to get subscriptions. Because if you are using your
Speaker 2: your iPhone and it's playing through car Play, guess what
Speaker 2: you're not using. You are not using their built in navigation.
Speaker 2: Guess what you're not using. You're not using the free
Speaker 2: Wi Fi that they include with the purchase of a
Speaker 2: new vehicle. So my my in laws, I think the
Speaker 2: like one year free of like a Wi Fi hotspot,
Speaker 2: so they're able to use Wi Fi off their vehicle
Speaker 2: and you start getting used to that, and then pretty
Speaker 2: soon once that free trials up, they're going to start
Speaker 2: being oh, sorry, this is going to go away, and
Speaker 2: they've got their hooks in you.
Speaker 1: Yeah, it past twenty bucks a month or else.
Speaker 2: I know, so they want some of that recurring subscription
Speaker 2: revenue just like all the other companies out there. Man,
Speaker 2: that plus data, of course always sells for for Top
Speaker 2: Penny as they're looking to dish up the best ads.
Speaker 1: To you, Top Penny, I ever heard of that in
Speaker 1: a while. You can't say that anymore. Pennies hop penny
Speaker 1: minting pennies, that's right, Top Dollar.
Speaker 2: What do you even talk about the fact that they
Speaker 2: minted the last penny like two weeks ago, that's right,
Speaker 2: something like that.
Speaker 1: I was sad, but not really, No, you.
Speaker 2: Aren't, because we've been advocated. If you hate it, the
Speaker 2: fact that it costs what four point three cents to
Speaker 2: actually make a single penny is like the most backwards
Speaker 2: thing it is, United State.
Speaker 1: It's a cute little copper things. They're not going to
Speaker 1: be around anymore, and so I'm glad that we're not
Speaker 1: wastefully creating pennies anymore. I'm glad I don't have to
Speaker 1: use them keep up with them, but you know, they
Speaker 1: were cool.
Speaker 2: It's gonna I'm more likely to hang onto the pennies
Speaker 2: that we have in order to play some of the
Speaker 2: different games we play with the kids, like card games.
Speaker 1: The best thing to do with a penny these days
Speaker 1: we put it on a railroad track and get smashed.
Speaker 2: And because then you've essentially destroyed history, do a nickel
Speaker 2: or a court, you know something else that they're still making.
Speaker 1: All right, hold on to your pennies.
Speaker 2: I'm just saying, ten years down the line, I think
Speaker 2: folks are gonna say, oh, I wish it would have
Speaker 2: like held on to a buck or two worth of
Speaker 2: pennies for like little stuff, aroun onto one sleeve for
Speaker 2: just for just for kicks.
Speaker 1: All Right, it's gonna do it. For this episode, we'll
Speaker 1: put links to some of the stories we mentioned up
Speaker 1: on our website in the show notes at Howtomoney dot com.
Speaker 1: Matt Until next time.
Speaker 2: Best Friends Out and best Friends Out