1
00:00:00,400 --> 00:00:10,000
Speaker 1: Celebrity Book Club. Who's that knocking at the door. It's

2
00:00:10,039 --> 00:00:12,920
Speaker 1: all your friends, your filthy horse. Your husband's gone, and

3
00:00:12,960 --> 00:00:16,119
Speaker 1: we've got books and a bottle of wine to kill.

4
00:00:15,640 --> 00:00:21,120
Speaker 1: It's books, it's gossip. I'm shook, it's memoir, It's Martini

5
00:00:23,640 --> 00:00:28,040
Speaker 1: Clebri book Club. Come read it while it's hot. Celebrity

6
00:00:28,080 --> 00:00:33,160
Speaker 1: book Club, tell your secrets. We won't talk celebrity books.

7
00:00:33,640 --> 00:00:38,320
Speaker 1: No boys are alloud. Celebrity Book Club, say it loud

8
00:00:38,360 --> 00:00:42,559
Speaker 1: and cloud Celebrity book Club. Buzz Man. I brought the

9
00:00:42,640 --> 00:00:50,440
Speaker 1: queer foe hey best friend. That is upon Matosta Esquire

10
00:00:50,560 --> 00:00:56,400
Speaker 1: PhD CFP certified. What is up? Stephen Phillip's horse, also

11
00:00:56,520 --> 00:01:01,040
Speaker 1: known as the hyphen because you come from parents who

12
00:01:01,160 --> 00:01:06,640
Speaker 1: are working parents from the eighties, second wave feminism, working mothers,

13
00:01:06,720 --> 00:01:13,240
Speaker 1: working father father, My mama keeping her name in the bloodline,

14
00:01:13,880 --> 00:01:17,560
Speaker 1: not giving it away to a man. No thank you,

15
00:01:17,959 --> 00:01:21,199
Speaker 1: she said. It's going in the mother freaking middle. That's

16
00:01:21,360 --> 00:01:27,920
Speaker 1: in the middle. Welcome in the middle. Um, Today is

17
00:01:27,959 --> 00:01:31,320
Speaker 1: going to be a revelation. It's going to be a

18
00:01:31,319 --> 00:01:36,959
Speaker 1: fucking wake up call. Um for many You might you

19
00:01:37,040 --> 00:01:40,759
Speaker 1: might feel hurt. Yeah, but get back on the horse.

20
00:01:41,000 --> 00:01:43,240
Speaker 1: I don't buy a horse. And this is this is

21
00:01:43,280 --> 00:01:45,360
Speaker 1: meant to be a healing process for all of us,

22
00:01:45,360 --> 00:01:48,760
Speaker 1: for listeners and hosts alike. Um, we of course are

23
00:01:48,800 --> 00:01:51,960
Speaker 1: talking about a subject that can hurt, a subject that

24
00:01:52,400 --> 00:01:55,320
Speaker 1: has ended marriages, a subject that people have gone to

25
00:01:55,480 --> 00:01:59,000
Speaker 1: war over for many, many millennia, A subject that may

26
00:01:59,080 --> 00:02:03,720
Speaker 1: have you feel like there's no way out I am stuck.

27
00:02:03,840 --> 00:02:05,920
Speaker 1: A subject that can also be super liberating if you

28
00:02:06,040 --> 00:02:09,880
Speaker 1: or I don't know, burn wretch. So obviously we're talking

29
00:02:09,880 --> 00:02:13,799
Speaker 1: about finance, and not just finance. We're talking about basically

30
00:02:13,800 --> 00:02:17,399
Speaker 1: one of the bibles out of finance, written by lesbian

31
00:02:17,800 --> 00:02:23,600
Speaker 1: financial advisor Sues Armor and her book which is called

32
00:02:23,960 --> 00:02:26,520
Speaker 1: Young Fabulous and Broke. Its I just called the money

33
00:02:26,520 --> 00:02:29,000
Speaker 1: Book for the Young, Fabulous and Broke. But yfb is

34
00:02:29,400 --> 00:02:31,919
Speaker 1: is kind of a phrase shee coin. And of course

35
00:02:32,080 --> 00:02:34,440
Speaker 1: we thought, you know, because listen, at the end of

36
00:02:34,440 --> 00:02:36,760
Speaker 1: the day, while Lily and I are both actually sort

37
00:02:36,760 --> 00:02:39,600
Speaker 1: of fun financial planners, we thought, why not bring someone

38
00:02:39,680 --> 00:02:42,000
Speaker 1: who has a little bit more knowledge the table, who's

39
00:02:42,200 --> 00:02:45,240
Speaker 1: such an acrobat in this space, you know, someone who

40
00:02:45,280 --> 00:02:47,760
Speaker 1: has been doing the dance for years, a clown and

41
00:02:47,840 --> 00:02:53,560
Speaker 1: an acrobat. Someone Yeah, a pioneer. I hear her chiming

42
00:02:53,600 --> 00:02:57,040
Speaker 1: in right now from a little street called Wall Street.

43
00:02:57,120 --> 00:03:00,800
Speaker 1: It's someone who is the ex wife of Warren Buffett.

44
00:03:00,919 --> 00:03:06,200
Speaker 1: She's been called the raging Bull of financial meme accounts.

45
00:03:06,240 --> 00:03:12,519
Speaker 1: She of course, is our longtime friend, collaborator, former lover mistress,

46
00:03:12,600 --> 00:03:17,640
Speaker 1: skincare guru, financial pop star. She is married to the

47
00:03:17,919 --> 00:03:22,040
Speaker 1: freaking dow Let's say it together. Let's say it together. Hey,

48
00:03:22,040 --> 00:03:27,480
Speaker 1: Hayley Sacks a ka missus dow Jones. I just went public.

49
00:03:30,320 --> 00:03:34,440
Speaker 1: I P I p oh, I p oh I P

50
00:03:35,600 --> 00:03:41,320
Speaker 1: S and D nasdak DOWDD. Just let you know where

51
00:03:41,320 --> 00:03:43,720
Speaker 1: we're sort of starting. Yeah, yeah, So this is the

52
00:03:43,760 --> 00:03:45,960
Speaker 1: sort of levels of financial literacy that we're at. So

53
00:03:46,240 --> 00:03:47,880
Speaker 1: Lily has put a lot of money in the S

54
00:03:47,960 --> 00:03:50,480
Speaker 1: and D and that's going to be a problem for her.

55
00:03:50,520 --> 00:03:54,200
Speaker 1: We'll we'll understand. Why can I ask I said something

56
00:03:54,200 --> 00:03:56,560
Speaker 1: about I said lots of about cfp's earlier. Are you

57
00:03:56,600 --> 00:04:00,160
Speaker 1: a CFP? No? Because as not to pry, but I've

58
00:04:00,160 --> 00:04:03,280
Speaker 1: done a lot of the classes. Okay, and um, you're

59
00:04:03,280 --> 00:04:05,800
Speaker 1: in training. I'm in training. But you know, the business

60
00:04:05,840 --> 00:04:08,000
Speaker 1: sort of took off right as I was. You know,

61
00:04:08,160 --> 00:04:12,240
Speaker 1: the business of just generally being Yes, and you know

62
00:04:12,240 --> 00:04:14,800
Speaker 1: I've been launched my university. I have my money. One

63
00:04:14,800 --> 00:04:17,520
Speaker 1: O one course. Wow. Do you have to be a

64
00:04:17,600 --> 00:04:23,400
Speaker 1: certified CFP to have a course? No? Nope? Yeah write

65
00:04:23,440 --> 00:04:25,599
Speaker 1: it on up. Yeah, so I said, instead of learning,

66
00:04:25,640 --> 00:04:29,400
Speaker 1: let me teach, because the best teachers are students. Do

67
00:04:29,440 --> 00:04:31,599
Speaker 1: you think John Harvard was a CFP when he founded

68
00:04:31,720 --> 00:04:34,440
Speaker 1: Harvard University? I don't think so, absolutely not. He was

69
00:04:34,480 --> 00:04:36,520
Speaker 1: just a guy with a dream. Do you think mister

70
00:04:36,760 --> 00:04:42,040
Speaker 1: Wells Fargo read Susie Orman's book before he started Wells Fargo.

71
00:04:42,120 --> 00:04:48,960
Speaker 1: I don't think so. And it shows it's chaos over there. Yeah,

72
00:04:49,880 --> 00:04:51,800
Speaker 1: that's just what they need. They just need this book. Yeah,

73
00:04:51,880 --> 00:04:54,719
Speaker 1: they need to sit down and really rail through it. Um. So, yeah,

74
00:04:54,720 --> 00:04:57,760
Speaker 1: we read this sus Ormond book and wow, it was

75
00:04:58,640 --> 00:05:00,680
Speaker 1: it was a journey. It was a dream. It was

76
00:05:00,720 --> 00:05:03,080
Speaker 1: really it was a dream and a journey. And I

77
00:05:03,160 --> 00:05:06,880
Speaker 1: do wish I read it ten years ago. But whatever,

78
00:05:06,960 --> 00:05:12,240
Speaker 1: she still counts thirty beep as young, broken, fabulous. I

79
00:05:12,279 --> 00:05:15,760
Speaker 1: think it's thirty five. Okay, No, I think she's twenties

80
00:05:15,760 --> 00:05:17,920
Speaker 1: and thirties. Yeah, but I don't think Yeah, I think

81
00:05:17,960 --> 00:05:21,839
Speaker 1: she meant like thirty five, it's the cutoff. Yeah, forties,

82
00:05:21,880 --> 00:05:23,559
Speaker 1: she doesn't have a book for you, she said, middle

83
00:05:23,600 --> 00:05:27,240
Speaker 1: aged broke and oh not so fabulous. Yeah she is,

84
00:05:27,240 --> 00:05:29,479
Speaker 1: although she's like, if you're forty, reading my other books, yeah,

85
00:05:29,520 --> 00:05:33,240
Speaker 1: she's like, and she has a few, she has tons,

86
00:05:33,240 --> 00:05:35,400
Speaker 1: She's got something for everyone. But I felt, yeah, I

87
00:05:35,520 --> 00:05:37,919
Speaker 1: was like, this feels to me like her kind of

88
00:05:37,960 --> 00:05:42,640
Speaker 1: superstar book. And I was interesting reading it because I realized,

89
00:05:42,880 --> 00:05:46,760
Speaker 1: like pretty shortly into it that it was for people

90
00:05:46,800 --> 00:05:49,480
Speaker 1: who were really broke, which I like, so at the

91
00:05:49,600 --> 00:05:52,280
Speaker 1: very meaning the book, she basically lays out the criteria

92
00:05:52,320 --> 00:05:54,240
Speaker 1: for what it actually means to be broke, and like,

93
00:05:54,440 --> 00:05:56,520
Speaker 1: this is not that friend of yours who's like, oh,

94
00:05:56,600 --> 00:06:00,680
Speaker 1: I'm so cash poor, right yeah, asad rich. Yeah, it's

95
00:06:00,720 --> 00:06:03,440
Speaker 1: like being broke actually means like you are leaving paycheck

96
00:06:03,480 --> 00:06:07,680
Speaker 1: to paycheck, you have a lot of student loans, Like

97
00:06:07,960 --> 00:06:10,120
Speaker 1: you have no family money, No one could, no one

98
00:06:10,200 --> 00:06:13,120
Speaker 1: is supporting you, no cushion, Like you're fucked. If you

99
00:06:13,200 --> 00:06:15,560
Speaker 1: ever like suddenly have to pay a h a ton

100
00:06:15,560 --> 00:06:17,960
Speaker 1: of money, you're like you are your own like bank,

101
00:06:18,080 --> 00:06:19,960
Speaker 1: and the only way that you can make money is

102
00:06:20,000 --> 00:06:22,159
Speaker 1: just like having a job right, which, as we all know,

103
00:06:22,200 --> 00:06:25,640
Speaker 1: they don't pay much. They really don't know. They certainly

104
00:06:25,640 --> 00:06:28,479
Speaker 1: don't because like, so I'll start up, I'll say I would,

105
00:06:28,560 --> 00:06:30,520
Speaker 1: I would say I've never been broke. I will just

106
00:06:30,560 --> 00:06:33,880
Speaker 1: put that out there and like Sprave, thank you so much.

107
00:06:33,920 --> 00:06:36,080
Speaker 1: And you know, but you've definitely been the girl that's like,

108
00:06:36,080 --> 00:06:37,720
Speaker 1: I have no cash. And when you say I have

109
00:06:37,720 --> 00:06:42,279
Speaker 1: no cash, it means you haven't gone to the ATMA. Really,

110
00:06:42,320 --> 00:06:46,560
Speaker 1: I literally have no cash. I mean there have been times.

111
00:06:46,600 --> 00:06:48,680
Speaker 1: And I say that because like a agan, I'll just

112
00:06:48,720 --> 00:06:50,400
Speaker 1: say it, I was sort of born like I do

113
00:06:50,480 --> 00:06:52,520
Speaker 1: want to say rich in this way. No, you know,

114
00:06:52,520 --> 00:06:55,400
Speaker 1: you live at the Ritz Carlton in Boston, and you

115
00:06:55,440 --> 00:06:57,440
Speaker 1: didn't always live at the Ritz. You lived in a

116
00:06:57,680 --> 00:07:01,160
Speaker 1: suburb of Boston before that. Okay, yeah, that I'm commuting

117
00:07:01,200 --> 00:07:08,000
Speaker 1: to Dumbo from the love that. Let's put that wild

118
00:07:08,160 --> 00:07:11,640
Speaker 1: rumor to the Hellie. Man, that's allis work done at

119
00:07:11,640 --> 00:07:15,960
Speaker 1: the the Hellie and the Ritz at Boston. That's such

120
00:07:15,960 --> 00:07:19,160
Speaker 1: a Boston commune to Hella had from Dumbo to Boston

121
00:07:19,200 --> 00:07:22,080
Speaker 1: because Dumbo's pretty Boston. But it's worth it. It's worth it,

122
00:07:22,120 --> 00:07:23,760
Speaker 1: you know, the quality of life in Boston is just

123
00:07:23,840 --> 00:07:27,320
Speaker 1: so much better. It's so high, the access to culture,

124
00:07:27,360 --> 00:07:32,920
Speaker 1: to restaurants, I mean the harbor alone, the views, the

125
00:07:31,160 --> 00:07:35,880
Speaker 1: charles and your family's there. Yes, and I love hanging

126
00:07:35,880 --> 00:07:38,320
Speaker 1: out with my parents. But I will say, so ir

127
00:07:38,360 --> 00:07:40,800
Speaker 1: been broke. So this book was like okay, like not

128
00:07:40,840 --> 00:07:42,760
Speaker 1: for me, but fun to read. Well, No, first of all,

129
00:07:42,800 --> 00:07:44,680
Speaker 1: there's a lot of stuff in here that is useful. Yes,

130
00:07:44,800 --> 00:07:46,920
Speaker 1: there's also stuff in here that I would say, like,

131
00:07:47,000 --> 00:07:49,560
Speaker 1: we're very lessons that I actually think I kind of

132
00:07:49,600 --> 00:07:52,160
Speaker 1: have applied somewhat throughout my twenties because I will say, like,

133
00:07:52,360 --> 00:07:55,040
Speaker 1: I've never been broke, because I've always had a cushion,

134
00:07:55,360 --> 00:07:58,680
Speaker 1: like I got the Grandma money. But of course throughout

135
00:07:58,720 --> 00:08:01,600
Speaker 1: most of my twenties now it's like my income was

136
00:08:01,920 --> 00:08:05,200
Speaker 1: very low for many many years, and like starving artists

137
00:08:05,240 --> 00:08:08,280
Speaker 1: vibes starving artist when I worked in politics, like I

138
00:08:08,320 --> 00:08:10,480
Speaker 1: think we all know, oh, I mean, people don't make

139
00:08:10,520 --> 00:08:11,880
Speaker 1: a lot of money in polms. You were paid in

140
00:08:12,120 --> 00:08:16,560
Speaker 1: hand touches and butt squeezes. I wish I never got

141
00:08:16,640 --> 00:08:19,480
Speaker 1: fond old and it's my biggest regret I know. And

142
00:08:19,560 --> 00:08:22,440
Speaker 1: I worked at David Letterman. He never tried a damn thing. Yeah,

143
00:08:22,480 --> 00:08:25,000
Speaker 1: why is he gonna get canceled? I'm kind of waiting

144
00:08:25,000 --> 00:08:26,560
Speaker 1: for that. Oh no, no he did like have a

145
00:08:26,560 --> 00:08:28,720
Speaker 1: baby with someone. No, he did get canceled, but then

146
00:08:28,800 --> 00:08:30,880
Speaker 1: he came right on back and he the beer with

147
00:08:30,960 --> 00:08:34,079
Speaker 1: his big indie beard, indie beer, the kind of bear

148
00:08:34,160 --> 00:08:36,520
Speaker 1: that says, I go down on girl. Yeah, I love

149
00:08:37,360 --> 00:08:40,600
Speaker 1: that beard is. So I liked to pleasure a yea

150
00:08:40,800 --> 00:08:44,800
Speaker 1: for hours. Ye I don't want her to reciprocators, want

151
00:08:44,800 --> 00:08:48,360
Speaker 1: her to enjoy herself. People say that you're always like ours.

152
00:08:50,280 --> 00:08:54,760
Speaker 1: Can we maybe just up there reading young fibulism broke? Yeah, No,

153
00:08:54,840 --> 00:08:57,160
Speaker 1: at a certain point, I'm just thinking about that. Definitely

154
00:08:57,200 --> 00:08:59,679
Speaker 1: wants hers too, like if you're you know, she wants

155
00:08:59,679 --> 00:09:02,520
Speaker 1: you on both sides to get their's well sus who

156
00:09:03,120 --> 00:09:06,439
Speaker 1: have so much, because she says she never gets penetrated.

157
00:09:06,440 --> 00:09:08,439
Speaker 1: But that's we should get into that later. Well, we'll

158
00:09:08,440 --> 00:09:10,760
Speaker 1: get into that later and segments, because yeah, she came

159
00:09:10,760 --> 00:09:12,280
Speaker 1: out of a lesbian which is like huge for her

160
00:09:12,320 --> 00:09:14,000
Speaker 1: and it's huge for the whole community. Right, so she's

161
00:09:14,040 --> 00:09:17,440
Speaker 1: the top, but to quickly just let's finish just like

162
00:09:17,840 --> 00:09:22,000
Speaker 1: where everyone is. Lily, would you describe yourself as broke

163
00:09:23,120 --> 00:09:25,800
Speaker 1: or having been broken the past. Yes, and I am

164
00:09:25,840 --> 00:09:28,880
Speaker 1: someone a kind of yeah, I feel like definitely heavy

165
00:09:28,920 --> 00:09:32,280
Speaker 1: on the fabulous. I would say broke for most of

166
00:09:32,320 --> 00:09:34,360
Speaker 1: my adult life. These past few years, I have not

167
00:09:34,559 --> 00:09:37,600
Speaker 1: been broke past two years, and I have learned a

168
00:09:37,600 --> 00:09:39,640
Speaker 1: lot of the lessons that sus is talking about, and

169
00:09:40,160 --> 00:09:42,880
Speaker 1: I'm learning to fix those mistakes. I'm also someone who

170
00:09:42,960 --> 00:09:46,079
Speaker 1: was born into priv probably not as much as Steven,

171
00:09:46,120 --> 00:09:51,680
Speaker 1: but absolutely you know, born parents, doctors, therapists, right, private

172
00:09:51,720 --> 00:09:54,800
Speaker 1: school right. And then yeah, there's a lot of stuff

173
00:09:54,880 --> 00:09:59,520
Speaker 1: I relate to in this book. All the part about

174
00:09:59,520 --> 00:10:02,600
Speaker 1: how you're lance is fucked up financial behavior like infects

175
00:10:02,640 --> 00:10:04,880
Speaker 1: you for the rest of your life. Yeah, so kind

176
00:10:04,920 --> 00:10:06,760
Speaker 1: of that parts, and a lot of stuff about living

177
00:10:06,800 --> 00:10:11,560
Speaker 1: wills versus trusts and probate court and to quote my mother,

178
00:10:11,960 --> 00:10:14,839
Speaker 1: which she'll agree with Susan here she says, one of

179
00:10:14,880 --> 00:10:17,240
Speaker 1: the main things in a lasting relationship is to be

180
00:10:17,280 --> 00:10:20,319
Speaker 1: able to communicate financially. It's it's I always say it's

181
00:10:20,400 --> 00:10:24,440
Speaker 1: you have to have sexual compatibility obviously, like emotional compatibility,

182
00:10:24,480 --> 00:10:27,400
Speaker 1: but financial compatibility is so important too, and it's not

183
00:10:27,480 --> 00:10:29,920
Speaker 1: talked about. And I think those inform the other. I

184
00:10:29,920 --> 00:10:32,559
Speaker 1: think if you were like fighting about finances, that will

185
00:10:32,559 --> 00:10:35,960
Speaker 1: affect the sexual and the emotional compatibile because you don't

186
00:10:36,000 --> 00:10:38,080
Speaker 1: trust the person. But you know what, I have a

187
00:10:38,160 --> 00:10:41,560
Speaker 1: series on my Instagram about financial secrets. It's like every

188
00:10:41,559 --> 00:10:44,599
Speaker 1: time I post it's people tweet about They're like, my

189
00:10:44,600 --> 00:10:46,640
Speaker 1: favorite part of the week is when missus dow Jones

190
00:10:46,720 --> 00:10:50,319
Speaker 1: like exposes people for like hiding like one hundreds of

191
00:10:50,360 --> 00:10:53,080
Speaker 1: thousands of dollars from their spouses. I'm always shocked when

192
00:10:53,120 --> 00:10:55,240
Speaker 1: you post those, and I love that you do. And

193
00:10:55,280 --> 00:10:57,640
Speaker 1: this is why again, I'm so happy him the conversation

194
00:10:57,679 --> 00:11:00,480
Speaker 1: because I've always tried to be really honest about money,

195
00:11:00,520 --> 00:11:02,440
Speaker 1: and I think it's really important to just be like,

196
00:11:02,760 --> 00:11:04,800
Speaker 1: this is how much I make, this is how much

197
00:11:04,840 --> 00:11:06,800
Speaker 1: I have, this is how much my rent is. It's

198
00:11:06,840 --> 00:11:09,280
Speaker 1: just like, let's just put that other people or your parents,

199
00:11:09,320 --> 00:11:11,400
Speaker 1: like I feel like even like our oh, but our

200
00:11:11,440 --> 00:11:13,000
Speaker 1: parents are also like throws line to us. I'm not

201
00:11:13,040 --> 00:11:15,600
Speaker 1: telling us that nobody isn't that so weird. I didn't

202
00:11:15,640 --> 00:11:17,440
Speaker 1: mean to interrupt you, but I just find that, like

203
00:11:17,520 --> 00:11:20,559
Speaker 1: our genera region is so much more transparent. I owe

204
00:11:20,600 --> 00:11:26,040
Speaker 1: you guys are obviously boomers, I'm gen z. But to

205
00:11:26,080 --> 00:11:29,480
Speaker 1: hang out with adults, yeah, I think nineteen and a half,

206
00:11:29,559 --> 00:11:31,360
Speaker 1: is that right? Yeah? I just turned nineteen and out cool.

207
00:11:31,400 --> 00:11:33,920
Speaker 1: But like the parent thing is so wild, Like it's

208
00:11:34,000 --> 00:11:36,120
Speaker 1: like they really do just bury it, and I feel

209
00:11:36,200 --> 00:11:38,719
Speaker 1: so awkward about it, so much shame, wrapped up, so

210
00:11:39,120 --> 00:11:41,959
Speaker 1: weird money and so much like and way too much pride,

211
00:11:42,120 --> 00:11:44,120
Speaker 1: like wrapped up ride. I am like, also, are like

212
00:11:44,160 --> 00:11:46,280
Speaker 1: projecting so much onto you that like, oh well if

213
00:11:46,320 --> 00:11:48,280
Speaker 1: we told them, like they wouldn't know what to do, right,

214
00:11:48,320 --> 00:11:52,079
Speaker 1: And it's like no, like trying me literally, yeah, try

215
00:11:52,160 --> 00:11:54,200
Speaker 1: me a bitch, Like come from me, honey. Number one

216
00:11:54,240 --> 00:11:56,760
Speaker 1: thing I feel like things in this book talked about

217
00:11:56,800 --> 00:11:59,720
Speaker 1: that I wish I was TAUGHTI there in college, high

218
00:11:59,720 --> 00:12:04,600
Speaker 1: school will literally elementary school don't open and close a

219
00:12:04,640 --> 00:12:06,120
Speaker 1: credit card? Oh yeah, we want to. I want to

220
00:12:06,120 --> 00:12:08,400
Speaker 1: talk about that because it's really not talked about and

221
00:12:08,480 --> 00:12:10,560
Speaker 1: for people in high school, it's a huge thing. Can

222
00:12:10,600 --> 00:12:12,240
Speaker 1: I just say something though? Yeah, but wait, let's catch

223
00:12:12,240 --> 00:12:15,960
Speaker 1: you identified as broken my questions. I've never felt like

224
00:12:15,960 --> 00:12:18,400
Speaker 1: I didn't have a cushion right, Like I always knew

225
00:12:18,640 --> 00:12:21,440
Speaker 1: that like if things got bad, that I had, Like

226
00:12:21,480 --> 00:12:24,000
Speaker 1: I could go to my parents, it would be like, oh,

227
00:12:24,080 --> 00:12:26,040
Speaker 1: like can you like venmo me or something like that,

228
00:12:26,080 --> 00:12:30,640
Speaker 1: which is so sh It's like dollars so shameful and

229
00:12:30,720 --> 00:12:33,480
Speaker 1: like annoying and so like I've not felt broke, but

230
00:12:33,559 --> 00:12:36,640
Speaker 1: I felt like Penny Pintry, but I've always been taken

231
00:12:36,640 --> 00:12:38,800
Speaker 1: care of. Right. I don't want you anyone to think

232
00:12:38,840 --> 00:12:42,040
Speaker 1: I'm not an heiress, right, an airess? Okay, I am

233
00:12:42,080 --> 00:12:44,800
Speaker 1: not right, So I'm kind of the only non ass

234
00:12:44,920 --> 00:12:46,840
Speaker 1: I'm the non heiress of the table. And I also

235
00:12:46,880 --> 00:12:48,880
Speaker 1: want to say that as a financial pop star, I

236
00:12:48,960 --> 00:12:51,360
Speaker 1: was not the kid who grew up and was like

237
00:12:51,600 --> 00:12:56,000
Speaker 1: hustling the lemonade stand and that you were making money

238
00:12:56,000 --> 00:12:57,960
Speaker 1: from the beginning. Yeah, like the nine year old who

239
00:12:58,000 --> 00:13:00,360
Speaker 1: has the NFTs like that was not me. I know.

240
00:13:00,480 --> 00:13:03,000
Speaker 1: I mean I hate that trope. Can I just say

241
00:13:03,760 --> 00:13:06,280
Speaker 1: I'm so sick of that, just like we need to

242
00:13:06,320 --> 00:13:09,320
Speaker 1: like push our eight year old entrepreneurs and just like

243
00:13:09,679 --> 00:13:12,679
Speaker 1: lemonade stand myth is like it's so annoying. The only

244
00:13:12,679 --> 00:13:14,760
Speaker 1: reason we have a lemonade standard so that you the child,

245
00:13:14,800 --> 00:13:17,320
Speaker 1: got lemonade and you get to have some of the cookies.

246
00:13:17,360 --> 00:13:19,880
Speaker 1: If you're that entrepreneurial at the young age, like maybe

247
00:13:19,880 --> 00:13:22,000
Speaker 1: you need to go to like a like a school

248
00:13:22,000 --> 00:13:24,839
Speaker 1: for special kids, you know. Okay, well that makes it

249
00:13:24,920 --> 00:13:31,400
Speaker 1: back to me because I used to sell gum when

250
00:13:31,400 --> 00:13:34,200
Speaker 1: I was eleven twelve. Yeah, it was like this great.

251
00:13:34,280 --> 00:13:36,480
Speaker 1: How was this kind of like retro gum called freshen

252
00:13:36,600 --> 00:13:40,880
Speaker 1: Up and it like um squirted. Oh yeah MLM. This

253
00:13:40,960 --> 00:13:44,480
Speaker 1: is just me. I shouldn't started in mL I created

254
00:13:44,559 --> 00:13:48,360
Speaker 1: my own element so I would buy it wasn't like sold, yeah,

255
00:13:48,480 --> 00:13:50,720
Speaker 1: very little rose. So I like buy some hacks each

256
00:13:50,760 --> 00:13:54,240
Speaker 1: fifty cents and I'd tell them for a dollarly crazy,

257
00:13:54,360 --> 00:13:58,200
Speaker 1: and other kids in my class so their parents wouldn't

258
00:13:58,240 --> 00:14:00,840
Speaker 1: let them have gone your sales. I was just like,

259
00:14:00,960 --> 00:14:04,840
Speaker 1: this is gum you can't get anywhere. Okay, So it's

260
00:14:04,840 --> 00:14:12,720
Speaker 1: like scarcity, Yeah, scarcity Street where y is coming on

261
00:14:12,840 --> 00:14:18,440
Speaker 1: Friday smashing up x alf white. And I remember my

262
00:14:18,559 --> 00:14:23,600
Speaker 1: like students teacher was like, oh my friends and I

263
00:14:23,680 --> 00:14:25,160
Speaker 1: used to call that. She says, it's to a group

264
00:14:25,200 --> 00:14:26,920
Speaker 1: of two year olds. Oh my friends and I used

265
00:14:26,920 --> 00:14:29,080
Speaker 1: to call that. Come come shut the fuck up. Yeah

266
00:14:29,320 --> 00:14:31,560
Speaker 1: I'm wrong, not wrong. We all looked at her and

267
00:14:31,560 --> 00:14:34,840
Speaker 1: we're like, what's come wow, And that brings it back

268
00:14:34,840 --> 00:14:38,560
Speaker 1: to sus because Sue's no, like he come okay. So

269
00:14:38,640 --> 00:14:40,800
Speaker 1: now that we've laid the groundwork, we're sort of the

270
00:14:40,840 --> 00:14:42,920
Speaker 1: audience for this book, which are like people who have

271
00:14:42,960 --> 00:14:45,440
Speaker 1: never been taught about money, and sus is here to

272
00:14:45,480 --> 00:14:47,760
Speaker 1: be like, Hey, it's me, Susan. I'm actually one of

273
00:14:47,800 --> 00:14:49,920
Speaker 1: you guys, and I just want to talk to you

274
00:14:49,960 --> 00:14:52,520
Speaker 1: about some stuff that's super important because you're young enough

275
00:14:52,560 --> 00:14:55,600
Speaker 1: to make a difference in your financial life exactly. And

276
00:14:55,680 --> 00:14:57,760
Speaker 1: she's kind of like, this is what a rath is.

277
00:14:57,840 --> 00:15:01,320
Speaker 1: Like maybe you're like, oh, who cares about retirement? It's

278
00:15:01,400 --> 00:15:05,240
Speaker 1: basically a pretty standard like financial advice. But yes, I

279
00:15:05,280 --> 00:15:07,400
Speaker 1: mean she does say like, and there's something you know,

280
00:15:07,440 --> 00:15:09,760
Speaker 1: she'll contradict yourself, and because she'll be like I am

281
00:15:09,840 --> 00:15:12,120
Speaker 1: not kind of sick here and tell you about budgeting

282
00:15:12,200 --> 00:15:14,320
Speaker 1: when oh, why okay, I will not tell you to

283
00:15:14,360 --> 00:15:16,360
Speaker 1: not have the latte because I think we all remember

284
00:15:16,400 --> 00:15:18,440
Speaker 1: there was like some doctor Filler Oprah special in the

285
00:15:18,560 --> 00:15:20,720
Speaker 1: nineties that I feel like that was like the only

286
00:15:20,720 --> 00:15:22,600
Speaker 1: thing I knew about financial literacy. That was like someone

287
00:15:22,640 --> 00:15:25,240
Speaker 1: being like, don't have the latte every day? You'll save

288
00:15:25,320 --> 00:15:27,320
Speaker 1: three thousand and six hundred and ninety two dollars a year,

289
00:15:27,320 --> 00:15:29,760
Speaker 1: and it's like that's money in your pocket. We'll gut

290
00:15:29,800 --> 00:15:31,920
Speaker 1: to this. But like, first of all, it's like the

291
00:15:32,000 --> 00:15:38,280
Speaker 1: next generation of like financial influencers. We have pushed back

292
00:15:38,360 --> 00:15:41,680
Speaker 1: so much against the penny pinching because of the avocado

293
00:15:41,760 --> 00:15:44,720
Speaker 1: to Yeah, it's about building wealth. It's about learning how

294
00:15:44,760 --> 00:15:47,080
Speaker 1: much because you know there's a there's a floor to

295
00:15:47,160 --> 00:15:49,240
Speaker 1: how much you can cut, but there's no ceiling how

296
00:15:49,360 --> 00:15:52,200
Speaker 1: much you run me no, and I spend because that

297
00:15:52,280 --> 00:15:54,680
Speaker 1: because we're playing in the margins. If all you're two

298
00:15:54,720 --> 00:15:57,960
Speaker 1: beings cutting out latte. Yeah, it's like, oh, don't get

299
00:15:57,960 --> 00:15:59,920
Speaker 1: a hair's she said, if you're getting a haircut of

300
00:16:00,080 --> 00:16:02,560
Speaker 1: you six weeks, maybe put every eight. I'm like, what

301
00:16:02,560 --> 00:16:04,040
Speaker 1: if you need a haircuts to like get a job?

302
00:16:04,200 --> 00:16:06,880
Speaker 1: Like or like so you like haircuts? Because like so kay?

303
00:16:06,880 --> 00:16:08,880
Speaker 1: Because she kind of goes back, she does basically then

304
00:16:08,960 --> 00:16:10,840
Speaker 1: gets to this whole section where she does give all

305
00:16:10,840 --> 00:16:13,480
Speaker 1: of this like budgeting advice, yes, and I think also

306
00:16:13,560 --> 00:16:16,520
Speaker 1: promote shame. Yeah. Like that's my issue with her and

307
00:16:16,600 --> 00:16:19,880
Speaker 1: with Dave Ramsey, who's another like big financial guru of

308
00:16:19,920 --> 00:16:22,560
Speaker 1: that time. It was basically her and Dave, but like

309
00:16:22,920 --> 00:16:27,080
Speaker 1: they are just so judgmental, just like so and that's

310
00:16:27,080 --> 00:16:29,680
Speaker 1: what makes people not look at their bank, yeah, not

311
00:16:29,720 --> 00:16:33,200
Speaker 1: look at their talk about money with their friends, not

312
00:16:33,320 --> 00:16:37,640
Speaker 1: in their family. And it's so toxic about both of

313
00:16:37,680 --> 00:16:41,840
Speaker 1: you as two fabulous heiresses who may not have access

314
00:16:41,880 --> 00:16:45,560
Speaker 1: to the trust yet. Is that that meme of someone

315
00:16:45,640 --> 00:16:47,760
Speaker 1: like you know, the idea of like, oh that guy

316
00:16:48,040 --> 00:16:51,120
Speaker 1: wearing like a dirty hoodie and green point like actually

317
00:16:51,400 --> 00:16:53,520
Speaker 1: is like an air and won't talk about it and

318
00:16:53,560 --> 00:16:56,040
Speaker 1: it's just like wow, people, right, It's like are so

319
00:16:56,080 --> 00:16:58,680
Speaker 1: ashamed of being pat They're so ashamed of being rich

320
00:16:58,720 --> 00:17:00,920
Speaker 1: because they want it's like wants to be kind of

321
00:17:00,960 --> 00:17:03,960
Speaker 1: just like well, there's a huge also problem in that

322
00:17:04,000 --> 00:17:07,119
Speaker 1: the Internet I think is a which like with poverty

323
00:17:07,119 --> 00:17:10,680
Speaker 1: cosplay and like everyone what's your TikTok loves like rich

324
00:17:10,760 --> 00:17:12,800
Speaker 1: talk is a thing. More people like to see you

325
00:17:12,880 --> 00:17:16,280
Speaker 1: living lavishly than they also come for you, right, like

326
00:17:16,520 --> 00:17:21,560
Speaker 1: I got com comed for a lot of people come

327
00:17:21,680 --> 00:17:27,760
Speaker 1: for me as well. People I know last night also

328
00:17:27,880 --> 00:17:31,560
Speaker 1: brings me to her writing style a little bit about internet.

329
00:17:31,680 --> 00:17:34,560
Speaker 1: It's like, so this was written in the early two thousands,

330
00:17:34,640 --> 00:17:36,280
Speaker 1: and it's like she writes it like it is a

331
00:17:36,320 --> 00:17:38,679
Speaker 1: blog with so many links. I love. She is just

332
00:17:38,720 --> 00:17:42,800
Speaker 1: being like, she's like, please go to ww dot like

333
00:17:43,080 --> 00:17:46,800
Speaker 1: FICO credit Union dot com because I was trying to

334
00:17:46,840 --> 00:17:53,320
Speaker 1: get my TP and I'm like, literally a book. Yeah, Okay.

335
00:17:53,320 --> 00:17:56,440
Speaker 1: What I find so aft up is that I tried

336
00:17:56,480 --> 00:17:58,240
Speaker 1: to figure out my FICO score, my credit score for

337
00:17:58,400 --> 00:18:00,359
Speaker 1: this episode, and I couldn't figure out if way to

338
00:18:00,359 --> 00:18:02,560
Speaker 1: do it. There's a link on my website. Okay, so

339
00:18:02,680 --> 00:18:06,720
Speaker 1: now you finance at school dot com slash free, so

340
00:18:06,760 --> 00:18:09,119
Speaker 1: I really can find out my Yeah, let's do it

341
00:18:09,160 --> 00:18:22,720
Speaker 1: right now. Okay. This episode is sponsored by Zoktok. You're

342
00:18:22,760 --> 00:18:28,199
Speaker 1: trying to find a cause for your symptoms a key back, headache, running, nose, itchy.

343
00:18:28,359 --> 00:18:31,760
Speaker 1: I worked on my genitals, so let me guess you

344
00:18:31,800 --> 00:18:35,119
Speaker 1: stumble down a TikTok rabbit hole full of questionable advice

345
00:18:35,320 --> 00:18:39,879
Speaker 1: from so called experts. Suddenly I have cancer. No, thank you.

346
00:18:40,720 --> 00:18:43,159
Speaker 1: There are better ways to get the answers you want

347
00:18:43,320 --> 00:18:46,240
Speaker 1: and the care you deserve from trusted professionals and not

348
00:18:46,520 --> 00:18:50,080
Speaker 1: random people on the internet. The randoms I love you

349
00:18:50,160 --> 00:18:53,640
Speaker 1: and my TikTok connection. Yeah, it stands, but I'm sorry.

350
00:18:53,920 --> 00:18:56,800
Speaker 1: You shouldn't be getting medical advice from some girl on

351
00:18:56,840 --> 00:19:01,119
Speaker 1: her grandmother's basement in Toronto. Zo helps you find expert

352
00:19:01,160 --> 00:19:04,520
Speaker 1: doctors and medical professionals that specialize in the care you

353
00:19:04,600 --> 00:19:08,360
Speaker 1: need and deliver the type of experience you want. That's right,

354
00:19:08,880 --> 00:19:12,280
Speaker 1: Ditch the talk, get the doc. Zoktok is the only

355
00:19:12,359 --> 00:19:15,000
Speaker 1: free app that lets you find a book doctors who

356
00:19:15,040 --> 00:19:18,080
Speaker 1: are patient reviewed, take your insurance, are available when you

357
00:19:18,119 --> 00:19:21,399
Speaker 1: need them, and treat almost every condition under the sun.

358
00:19:22,080 --> 00:19:26,360
Speaker 1: No more doctor roulette or scouring the internet for crushable reviews.

359
00:19:26,359 --> 00:19:29,560
Speaker 1: With zok doc, you have a trusted guide to connect

360
00:19:29,600 --> 00:19:33,000
Speaker 1: you to your favorite doctor you haven't met yet. I

361
00:19:33,080 --> 00:19:35,480
Speaker 1: love a trusted guide, like the time I climbed to

362
00:19:35,600 --> 00:19:38,400
Speaker 1: Machi Pechu on the Inca Trail with a team of sherpa's.

363
00:19:38,800 --> 00:19:41,040
Speaker 1: Millions of people use zokdos free app to find and

364
00:19:41,080 --> 00:19:43,560
Speaker 1: book a doctor in their neighborhood who is patient reviewed

365
00:19:43,560 --> 00:19:46,840
Speaker 1: and fits their needs and schedule just right. So find

366
00:19:46,920 --> 00:19:49,880
Speaker 1: your sherpa at zoc doc dot com. Go to zoc

367
00:19:49,960 --> 00:19:52,080
Speaker 1: doc dot com, slash book Club and dabbloa the zok

368
00:19:52,160 --> 00:19:56,320
Speaker 1: doc app for free. Then find a book a top

369
00:19:56,400 --> 00:20:01,840
Speaker 1: rated doctor today, Sleigh. Many are available within twenty four hours.

370
00:20:02,000 --> 00:20:07,920
Speaker 1: That's z O C d oc dot com, slash book

371
00:20:07,920 --> 00:20:12,920
Speaker 1: club zok dot dot com slash book Club Ditch the Talk.

372
00:20:24,640 --> 00:20:27,439
Speaker 1: So yeah, so while you pull that up. One of

373
00:20:27,440 --> 00:20:29,800
Speaker 1: the things that I do actually really like though that

374
00:20:29,840 --> 00:20:32,159
Speaker 1: I think is accurate and think that something my stockbroker

375
00:20:32,200 --> 00:20:35,800
Speaker 1: told me many years ago, Stephen stock Booker. So actually

376
00:20:35,840 --> 00:20:37,800
Speaker 1: my stockbroker right now is like a jock. I went

377
00:20:37,800 --> 00:20:40,479
Speaker 1: to high school with hot who's like the son of

378
00:20:40,520 --> 00:20:45,119
Speaker 1: like my current stockbroker. We keep it in the family.

379
00:20:45,119 --> 00:20:47,200
Speaker 1: We absolutely keep it in the fan. It's very well, yeah,

380
00:20:47,200 --> 00:20:50,719
Speaker 1: this family ship, like it's all about family and Boston ship. Um.

381
00:20:50,760 --> 00:20:52,600
Speaker 1: But one day he said this thing to be many

382
00:20:52,680 --> 00:20:55,760
Speaker 1: years ago, which was invested in yourself, and it was

383
00:20:55,800 --> 00:20:59,000
Speaker 1: basically that advice was like invest in whether it's like

384
00:20:59,080 --> 00:21:03,040
Speaker 1: taking a class education or like buying like podcasting equipment,

385
00:21:03,119 --> 00:21:07,359
Speaker 1: like like those are always good investments because it's just

386
00:21:07,440 --> 00:21:09,720
Speaker 1: like anything that is enriching for you, even if it's

387
00:21:09,760 --> 00:21:12,399
Speaker 1: not something that leads to you making money later. Okay,

388
00:21:12,440 --> 00:21:15,600
Speaker 1: Lily is just pointing up your credit score, your fight card.

389
00:21:15,640 --> 00:21:18,760
Speaker 1: This is my credit score. Wow. Okay, Chase. It's six

390
00:21:18,880 --> 00:21:21,200
Speaker 1: This is what I don't get. It's six thirty eight.

391
00:21:21,880 --> 00:21:25,359
Speaker 1: Whoa which is me? It says, but it says poor

392
00:21:26,920 --> 00:21:28,920
Speaker 1: poor to that mean you're poor? Is the credit score

393
00:21:29,000 --> 00:21:31,439
Speaker 1: is not of good quality? Um? And I think it

394
00:21:31,560 --> 00:21:35,199
Speaker 1: is because and I will share a few things just

395
00:21:35,240 --> 00:21:38,040
Speaker 1: have to do with your family. This also goes to

396
00:21:38,080 --> 00:21:41,280
Speaker 1: me investing in myself and putting costumes for a web

397
00:21:41,320 --> 00:21:43,760
Speaker 1: series on a credit card that then I forgot about

398
00:21:43,760 --> 00:21:45,760
Speaker 1: and didn't pay. And it was a store credit card.

399
00:21:45,840 --> 00:21:50,960
Speaker 1: This was cord Wow, beautiful. I've been working on it.

400
00:21:51,200 --> 00:21:54,280
Speaker 1: What's insane to me is you need to like take

401
00:21:54,280 --> 00:21:58,040
Speaker 1: on debt in order to have a credit sidalism. They

402
00:21:58,080 --> 00:22:01,200
Speaker 1: want you to finance a fucking Kia, right, they want

403
00:22:01,240 --> 00:22:04,680
Speaker 1: you to fot you want to. It's to show that

404
00:22:04,760 --> 00:22:07,760
Speaker 1: you are like safe hands to lend money to. But

405
00:22:07,880 --> 00:22:10,120
Speaker 1: what's insane? So it's like, but I so my whole life,

406
00:22:10,119 --> 00:22:12,120
Speaker 1: I've never I never had a credit card until two

407
00:22:12,160 --> 00:22:14,439
Speaker 1: years ago because I was like that it's dangerous to

408
00:22:14,480 --> 00:22:16,120
Speaker 1: me to be able to buy stuff that I might

409
00:22:16,119 --> 00:22:17,600
Speaker 1: not be able to afford. I always want to know

410
00:22:17,640 --> 00:22:19,359
Speaker 1: that I have the money to buy the things that

411
00:22:19,440 --> 00:22:21,359
Speaker 1: I want I never want to be in a situation

412
00:22:21,359 --> 00:22:24,760
Speaker 1: where I'm like leveraging myself. So download the end. You

413
00:22:24,760 --> 00:22:29,080
Speaker 1: can download it. Yeah, but yours was seven eighty eight

414
00:22:29,160 --> 00:22:32,040
Speaker 1: down but for a long time my credit score. So

415
00:22:32,040 --> 00:22:33,600
Speaker 1: when the last time I had to an apartment, I

416
00:22:33,640 --> 00:22:35,920
Speaker 1: like did finally get a credit score, and my credit

417
00:22:35,920 --> 00:22:39,399
Speaker 1: score was four because you had never never had a

418
00:22:39,400 --> 00:22:41,879
Speaker 1: credit card, I'd never had student loans, I never had anything.

419
00:22:41,920 --> 00:22:43,320
Speaker 1: So it was just like you have no you had

420
00:22:43,359 --> 00:22:46,200
Speaker 1: no history, no history, so the number was just four. No,

421
00:22:46,280 --> 00:22:48,240
Speaker 1: but this happens to that. I mean, that's hilarious but

422
00:22:48,280 --> 00:22:51,760
Speaker 1: also sad. But like the I'm crying, I'm crying laughing,

423
00:22:51,960 --> 00:22:54,040
Speaker 1: but like that's the issue, though, is that people think

424
00:22:54,040 --> 00:22:56,200
Speaker 1: that they're being safe with their money, that they're being

425
00:22:56,200 --> 00:22:59,680
Speaker 1: really responsible by not borrowing money, by not having a

426
00:22:59,760 --> 00:23:02,080
Speaker 1: credit card. But it's actually like this integral part of

427
00:23:02,119 --> 00:23:04,359
Speaker 1: our society where like you have to have that track

428
00:23:04,400 --> 00:23:07,480
Speaker 1: record of borrowing money and showing that you can pay

429
00:23:07,480 --> 00:23:09,800
Speaker 1: it back in order to like get a house or

430
00:23:09,920 --> 00:23:11,680
Speaker 1: you know what I thought was crazy as she said

431
00:23:11,680 --> 00:23:15,080
Speaker 1: that employers check your credit score. I don't think that's true.

432
00:23:15,119 --> 00:23:18,560
Speaker 1: I don't think they do anymore. But I think, I thoughtably,

433
00:23:18,640 --> 00:23:21,240
Speaker 1: I'm sure like in the eighties and nineties, like doing

434
00:23:21,280 --> 00:23:25,080
Speaker 1: a background checks. I thought that was gross. I was like,

435
00:23:25,119 --> 00:23:27,520
Speaker 1: and that's so like weird that you're able to like

436
00:23:27,800 --> 00:23:29,480
Speaker 1: be like I don't want to hire that person because

437
00:23:29,480 --> 00:23:31,440
Speaker 1: they have a bad credit and so I can't rely on.

438
00:23:31,560 --> 00:23:33,679
Speaker 1: I also was annoyed by her. I get she is

439
00:23:33,720 --> 00:23:35,919
Speaker 1: like who she is. I'm like her whole things, know

440
00:23:36,040 --> 00:23:38,360
Speaker 1: the credit cards, so like I can help you with them.

441
00:23:38,400 --> 00:23:41,240
Speaker 1: But I do feel like she was on team credit

442
00:23:41,240 --> 00:23:46,240
Speaker 1: card like sometimes yeah, and she's like, hey, look like

443
00:23:46,480 --> 00:23:48,880
Speaker 1: why would they give you a lower interest rate if

444
00:23:48,960 --> 00:23:51,679
Speaker 1: like this, like you think these guys want to like

445
00:23:51,800 --> 00:23:54,040
Speaker 1: rely on you to like pay up safe. And I

446
00:23:54,080 --> 00:23:57,720
Speaker 1: was like, okay. Narc like narc literal narc narc who

447
00:23:57,720 --> 00:23:59,760
Speaker 1: literally who got in trouble. She got a huge trouble

448
00:23:59,800 --> 00:24:02,879
Speaker 1: for like selling a debit card that she basically was

449
00:24:03,080 --> 00:24:06,960
Speaker 1: marketing as a prepaid debit card that could help your

450
00:24:06,960 --> 00:24:10,280
Speaker 1: credit and though it didn't actually help your credit. So

451
00:24:10,320 --> 00:24:13,160
Speaker 1: she was being so fire fast and like she so firefast,

452
00:24:13,160 --> 00:24:14,880
Speaker 1: she was being she was my handlegowner. She was being

453
00:24:14,880 --> 00:24:16,920
Speaker 1: belhadid about it and had to like walk it back

454
00:24:17,000 --> 00:24:20,720
Speaker 1: oh wow, wow, I was like selling like a grossery

455
00:24:20,760 --> 00:24:24,600
Speaker 1: store Panera. Yeah, like literally sale hard does not not

456
00:24:24,680 --> 00:24:27,879
Speaker 1: affect it to your financial track record at all. Literally

457
00:24:27,920 --> 00:24:30,639
Speaker 1: just a Panera gift card because she does give that

458
00:24:30,680 --> 00:24:33,120
Speaker 1: advice of like which I think, Steven is what you did,

459
00:24:33,160 --> 00:24:35,840
Speaker 1: which is like you get a credit card and like

460
00:24:36,000 --> 00:24:38,600
Speaker 1: pre pay and put like three hundred dollars on it. Well,

461
00:24:38,640 --> 00:24:40,359
Speaker 1: here's as you know, I used to have a Visa

462
00:24:40,400 --> 00:24:43,200
Speaker 1: Bucks card in high school. And the Visa Buck story

463
00:24:43,240 --> 00:24:45,320
Speaker 1: is insane because you like made a website to trick

464
00:24:45,359 --> 00:24:47,719
Speaker 1: your parents. I like I because I had my parents

465
00:24:47,720 --> 00:24:50,160
Speaker 1: like password so I could add money to my own

466
00:24:50,200 --> 00:24:54,080
Speaker 1: like little fake team that and like I was always

467
00:24:54,119 --> 00:24:56,120
Speaker 1: doing it like in little bits, and then like one day,

468
00:24:56,160 --> 00:24:58,159
Speaker 1: like my parents like obviously got the credit card and

469
00:24:58,200 --> 00:25:00,679
Speaker 1: like found out that I was just like money to make.

470
00:25:01,960 --> 00:25:06,000
Speaker 1: So I literally, like as a teen hacker, created an

471
00:25:06,160 --> 00:25:10,520
Speaker 1: entire fake website that mirrored the actual Visa Bucks like

472
00:25:10,880 --> 00:25:14,840
Speaker 1: HTML on my own like geocity site. We created this

473
00:25:14,880 --> 00:25:17,400
Speaker 1: whole fake press release that said that there had been

474
00:25:17,400 --> 00:25:21,399
Speaker 1: a security breach at the Visa Bucks like main frame,

475
00:25:21,720 --> 00:25:24,159
Speaker 1: and it resulted in like extra money being added to

476
00:25:24,200 --> 00:25:27,919
Speaker 1: your teen's account did they buy it? I think that

477
00:25:28,040 --> 00:25:31,440
Speaker 1: my dad like was so like he obviously knew something

478
00:25:31,480 --> 00:25:36,080
Speaker 1: was insanely suss about it, but was so just maybe like, damn,

479
00:25:36,119 --> 00:25:38,680
Speaker 1: if she really went overboard for this, Like I guess

480
00:25:38,720 --> 00:25:41,440
Speaker 1: I kind of gotta give it to her, Like all right,

481
00:25:41,520 --> 00:25:44,320
Speaker 1: like you're with three hundred bucks whatever, let's maybe we'll

482
00:25:44,359 --> 00:25:46,959
Speaker 1: just move on from this. I love that. Wow, it's

483
00:25:47,000 --> 00:25:48,520
Speaker 1: amazing what you can get done when you were like

484
00:25:48,520 --> 00:25:52,280
Speaker 1: a fire under your eye literally termed into just like

485
00:25:52,359 --> 00:25:54,640
Speaker 1: a full web program because in that moment you said, wow,

486
00:25:54,680 --> 00:25:57,600
Speaker 1: I am stealing money. Yeah I was. You looked at

487
00:25:57,640 --> 00:25:59,520
Speaker 1: yourself with a mirror and you said, oh, am I

488
00:25:59,600 --> 00:26:03,040
Speaker 1: gonna jail. I'm going to jail. My parents are putting

489
00:26:03,080 --> 00:26:09,840
Speaker 1: me in jail jail. I hate when parents do that. Well,

490
00:26:09,840 --> 00:26:11,160
Speaker 1: it was just like, I mean, you know, and we

491
00:26:11,160 --> 00:26:14,240
Speaker 1: were just using that money to go to the movies,

492
00:26:14,640 --> 00:26:16,960
Speaker 1: which is right, Like when she gets for her budgeting things,

493
00:26:16,960 --> 00:26:19,280
Speaker 1: she's like, if you love going to the movies, and

494
00:26:19,320 --> 00:26:22,400
Speaker 1: then factor in the beer and the pizza that happens

495
00:26:22,440 --> 00:26:24,640
Speaker 1: after the movies, Like what about going to movies once

496
00:26:24,680 --> 00:26:27,080
Speaker 1: a month? And then she's always saying like instead of

497
00:26:27,080 --> 00:26:29,159
Speaker 1: getting a Tendall or Martini and hello, I'd look to

498
00:26:29,160 --> 00:26:34,800
Speaker 1: find pleasure I can get get one. Yeah, so then

499
00:26:34,840 --> 00:26:37,920
Speaker 1: I'll split the check equally, which I'm very like pro

500
00:26:38,280 --> 00:26:40,560
Speaker 1: that and not being so you owe me seven, you

501
00:26:40,640 --> 00:26:44,439
Speaker 1: owe me nine? Culture, I mean, Vemo culture is the

502
00:26:44,480 --> 00:26:47,960
Speaker 1: saddest thing on earth. When I see couples venmoeen each other,

503
00:26:48,160 --> 00:26:52,320
Speaker 1: that's horrifying. It's the saddest thing on earth. Electricity. Yeah,

504
00:26:52,440 --> 00:26:58,760
Speaker 1: or just like Ramen sixteen, I will live together. But

505
00:26:58,840 --> 00:27:01,280
Speaker 1: maybe that is their financial transparency because I think it's

506
00:27:01,280 --> 00:27:03,560
Speaker 1: the same way that like people have weird sex relationships.

507
00:27:03,600 --> 00:27:07,320
Speaker 1: I think because relationship there's a difference of being like

508
00:27:07,440 --> 00:27:09,760
Speaker 1: I got this, I got this, let's like split it

509
00:27:09,880 --> 00:27:13,000
Speaker 1: and one just like make the fucking Venmo private. It's

510
00:27:13,280 --> 00:27:16,359
Speaker 1: the Ramen back and forth and back and forth. Is

511
00:27:16,400 --> 00:27:19,359
Speaker 1: means like the tensions are building up if they don't.

512
00:27:19,480 --> 00:27:22,000
Speaker 1: If they don't, it's like there needs to be some

513
00:27:22,160 --> 00:27:25,199
Speaker 1: sort of like you guys are more like relationship than me,

514
00:27:25,320 --> 00:27:29,040
Speaker 1: So tell me what. Oh like, we're always You're always.

515
00:27:30,400 --> 00:27:33,479
Speaker 1: What I do love about in the relationship section is

516
00:27:33,560 --> 00:27:36,040
Speaker 1: she says that basically, like you should both contribute as

517
00:27:36,080 --> 00:27:38,199
Speaker 1: much as you can it should not be like you

518
00:27:38,200 --> 00:27:40,800
Speaker 1: contributed equal dollar amounts. I agree with it depends on income.

519
00:27:40,880 --> 00:27:43,639
Speaker 1: So it's just like and you should if you're making

520
00:27:43,880 --> 00:27:45,720
Speaker 1: like seventy five percent of the income between the two

521
00:27:45,760 --> 00:27:47,760
Speaker 1: you, you you should be contributing to seventy percent of the rent.

522
00:27:47,960 --> 00:27:49,639
Speaker 1: And I would say that generally should apply to like

523
00:27:49,720 --> 00:27:52,520
Speaker 1: food and outings and everything. And I also think you

524
00:27:52,560 --> 00:27:55,160
Speaker 1: have to be generous like that. I don't like, like,

525
00:27:55,160 --> 00:27:57,720
Speaker 1: like being grubby about money. I think it's so And

526
00:27:57,760 --> 00:28:00,920
Speaker 1: I also think that I also think entered datically it

527
00:28:00,960 --> 00:28:04,120
Speaker 1: tells the universe that like you're holding on too much

528
00:28:04,160 --> 00:28:06,159
Speaker 1: to it. Like I always think that you have to

529
00:28:06,160 --> 00:28:10,320
Speaker 1: be very free with money, like you away, I'm clapping.

530
00:28:10,880 --> 00:28:14,199
Speaker 1: I'll say, in relationship, we live together, share expenses. So

531
00:28:14,280 --> 00:28:16,800
Speaker 1: it's like my girlfriend does I'll put her blass and

532
00:28:16,920 --> 00:28:20,919
Speaker 1: make more money than me. Yeah, total girl blass, but

533
00:28:21,000 --> 00:28:23,440
Speaker 1: like she pays a little more in rent. But it's like,

534
00:28:23,520 --> 00:28:25,159
Speaker 1: let's take it to the summer. I had like a

535
00:28:25,200 --> 00:28:28,640
Speaker 1: lot of money saved and she had like some more

536
00:28:28,760 --> 00:28:32,000
Speaker 1: extra like emergency expenses, and it's just like the car

537
00:28:32,240 --> 00:28:35,160
Speaker 1: needed like new breaks or whatever. So I was like, yeah,

538
00:28:35,200 --> 00:28:37,040
Speaker 1: I'm gonna pay more in the car one which I

539
00:28:37,160 --> 00:28:39,000
Speaker 1: drive and you can't drive. So it's like I'm gonna

540
00:28:39,000 --> 00:28:41,120
Speaker 1: pay more on that because I figure it's like something

541
00:28:41,120 --> 00:28:43,160
Speaker 1: also will happen down the line where then like I've

542
00:28:43,160 --> 00:28:46,040
Speaker 1: been broken and she's like covered it. Yeah, and so

543
00:28:46,440 --> 00:28:50,720
Speaker 1: that is what a relationship is about, Yeah, supporting each

544
00:28:50,720 --> 00:28:56,800
Speaker 1: other and not like fighting the margin play of And

545
00:28:56,800 --> 00:28:58,320
Speaker 1: I have to say I could not agree with you

546
00:28:58,400 --> 00:29:00,720
Speaker 1: more about this content of money. That money should be flowing,

547
00:29:00,720 --> 00:29:03,000
Speaker 1: it should be free. The problem with the fucking world,

548
00:29:03,080 --> 00:29:05,600
Speaker 1: probably the economy, is that you have some people that

549
00:29:05,640 --> 00:29:08,080
Speaker 1: are sitting on an insane huge pile of money and

550
00:29:08,160 --> 00:29:10,080
Speaker 1: not send your own if everyone just had to like

551
00:29:10,280 --> 00:29:13,320
Speaker 1: spend put it into circulation and also get it out

552
00:29:13,320 --> 00:29:16,200
Speaker 1: invested well and also and that is well, that's what

553
00:29:16,240 --> 00:29:18,440
Speaker 1: I'm saying, like the but that's why so many people

554
00:29:18,800 --> 00:29:22,320
Speaker 1: women especially just have all of their money and saving

555
00:29:22,520 --> 00:29:29,920
Speaker 1: doing nothing thinking, well, okay, here's a question for you,

556
00:29:30,200 --> 00:29:32,680
Speaker 1: because this is well, I do have a roth, I ray,

557
00:29:33,520 --> 00:29:36,120
Speaker 1: but you guys both have stocks and I do not.

558
00:29:36,360 --> 00:29:38,400
Speaker 1: I actually done we make sure that the money in

559
00:29:38,440 --> 00:29:41,240
Speaker 1: your wrath is actually invested because a lot of people

560
00:29:41,320 --> 00:29:43,600
Speaker 1: just fund the I R ray, but they don't actually

561
00:29:43,600 --> 00:29:46,040
Speaker 1: invest the money. Okay, I don't have the Vanguard app,

562
00:29:46,120 --> 00:29:48,680
Speaker 1: but that is something we should do off the pod.

563
00:29:48,680 --> 00:29:51,200
Speaker 1: Probably you have it in some sort of Vanguard, but

564
00:29:51,240 --> 00:29:53,160
Speaker 1: you have to do you have to actually do. It's

565
00:29:53,160 --> 00:29:57,640
Speaker 1: an extra step that most people forgot about. So that

566
00:29:57,760 --> 00:30:00,520
Speaker 1: was something I did two years ago. That's awesome. That

567
00:30:00,720 --> 00:30:03,680
Speaker 1: is the whole thing with like retirement. I was absolutely

568
00:30:03,880 --> 00:30:06,960
Speaker 1: a YFNB where I was like, well, I'm struggling to

569
00:30:06,960 --> 00:30:09,480
Speaker 1: pay bills and I still like want to go out,

570
00:30:09,520 --> 00:30:12,480
Speaker 1: and just like I'm living paycheck to paycheck. Why would

571
00:30:12,480 --> 00:30:15,160
Speaker 1: I invest my retirement? But I was like, well, let

572
00:30:15,200 --> 00:30:17,600
Speaker 1: me just Then finally my sister was like, just start

573
00:30:17,720 --> 00:30:19,800
Speaker 1: this roth and I was like, okay, literally all I

574
00:30:19,840 --> 00:30:22,120
Speaker 1: can afford to put this twenty five dollars in it's

575
00:30:22,120 --> 00:30:24,480
Speaker 1: all about Mars. But it's like you're supposed to start it,

576
00:30:24,560 --> 00:30:28,040
Speaker 1: and the five kids just started earlier because the interest

577
00:30:28,240 --> 00:30:32,240
Speaker 1: calms fucking pounds exactly. I was just thinking like wow,

578
00:30:32,320 --> 00:30:34,520
Speaker 1: like Lily, like you are the person in the statistic

579
00:30:34,600 --> 00:30:39,000
Speaker 1: that it's like Sarah puts twenty five starting at age eighteen,

580
00:30:39,480 --> 00:30:46,200
Speaker 1: Lily starts at age thirty two and puts like Sarah's

581
00:30:46,240 --> 00:30:49,040
Speaker 1: gonna have a lot had a billion there, Sarah has

582
00:30:49,080 --> 00:30:52,080
Speaker 1: one point six mill thirty two. I started at thirty two. Okay,

583
00:30:52,120 --> 00:30:55,080
Speaker 1: better late than never. So but her example your life

584
00:30:55,080 --> 00:31:02,000
Speaker 1: exegency is fifty nine. Will you know, we'll see to

585
00:31:02,360 --> 00:31:04,240
Speaker 1: fifty a month, and I would love to up it

586
00:31:04,360 --> 00:31:08,480
Speaker 1: to month. You do what you can when you can. Yeah, well,

587
00:31:08,480 --> 00:31:11,000
Speaker 1: I like I like what she said though about like

588
00:31:11,440 --> 00:31:15,200
Speaker 1: switching your mindset from like splurging too, like making like

589
00:31:15,320 --> 00:31:19,120
Speaker 1: saving alluring, like I think for you probably like it's like, oh,

590
00:31:19,160 --> 00:31:22,760
Speaker 1: that fifty dollars means like something fun is happening in

591
00:31:22,760 --> 00:31:25,080
Speaker 1: your life or whatever. But it's like being able to

592
00:31:25,080 --> 00:31:27,960
Speaker 1: look past that experience and like, imagine how much self

593
00:31:28,080 --> 00:31:30,200
Speaker 1: esteem you would have if you were able to give

594
00:31:30,200 --> 00:31:32,200
Speaker 1: yourself that gift of one hundred dollars a month and

595
00:31:32,280 --> 00:31:35,120
Speaker 1: your I R. And that is exactly that is valuable too.

596
00:31:35,280 --> 00:31:37,680
Speaker 1: It's discipline, it's building self esteem, it's showing that you

597
00:31:37,720 --> 00:31:40,320
Speaker 1: have your own back, like it is so beautiful. There's

598
00:31:40,360 --> 00:31:42,200
Speaker 1: a whole thing about when you get your paycheck, like

599
00:31:42,800 --> 00:31:46,920
Speaker 1: even before your paycheck hits your you know, checking account.

600
00:31:47,360 --> 00:31:49,800
Speaker 1: If you work for a company, they'll take out your

601
00:31:49,800 --> 00:31:51,880
Speaker 1: four oh one K, which is why it is valuable

602
00:31:51,960 --> 00:31:54,840
Speaker 1: to put my freelancer artists right, It's like, I don't

603
00:31:54,840 --> 00:31:57,440
Speaker 1: have a four oh one no, but you could automatically,

604
00:31:57,520 --> 00:31:59,800
Speaker 1: like you could create a high yield savings account where

605
00:31:59,800 --> 00:32:05,480
Speaker 1: you're putting automatic deductions into every month from your checking account.

606
00:32:05,800 --> 00:32:07,680
Speaker 1: And you're also, like, you know, making sure that you

607
00:32:07,720 --> 00:32:10,000
Speaker 1: have direct deposit set up to all of your fixed

608
00:32:10,000 --> 00:32:13,320
Speaker 1: expects to deal with the high yield savings. It seems.

609
00:32:13,400 --> 00:32:16,880
Speaker 1: So basically there's three tiers of financial goals. So the

610
00:32:16,920 --> 00:32:22,480
Speaker 1: first tier of financial goals, I immediately glaze, I'm interested. Okay,

611
00:32:22,600 --> 00:32:27,520
Speaker 1: listen up, sweetie, listen up. Okay. Tier one doesn't apply

612
00:32:27,560 --> 00:32:30,480
Speaker 1: to you because you do not get an employer match. Okay,

613
00:32:30,640 --> 00:32:33,200
Speaker 1: but for our club kids who work for the man,

614
00:32:33,640 --> 00:32:38,240
Speaker 1: you guys had the man. Okay Murdoch, if you're listening,

615
00:32:39,120 --> 00:32:41,880
Speaker 1: give these kids a match. If you got that fucking match,

616
00:32:41,920 --> 00:32:44,720
Speaker 1: if it's offered, take it. It is free money. That

617
00:32:44,880 --> 00:32:46,920
Speaker 1: is Tier one. That and I want you to just

618
00:32:47,000 --> 00:32:49,840
Speaker 1: start your goddamn emergency fund and a hield savings account.

619
00:32:50,080 --> 00:32:52,200
Speaker 1: Go to finances go dot com, slash free. I have

620
00:32:52,480 --> 00:32:55,800
Speaker 1: the account to fund. It's not sponsored but I love them.

621
00:32:56,000 --> 00:32:58,160
Speaker 1: Just do it. You save your first thousand dollars first

622
00:32:58,160 --> 00:32:59,800
Speaker 1: in it. Okay, So this is what we're saying about.

623
00:32:59,800 --> 00:33:02,160
Speaker 1: A lot of finance is just habit based. See what

624
00:33:02,240 --> 00:33:04,480
Speaker 1: I fall for his sales? No, me too. But see

625
00:33:04,480 --> 00:33:06,800
Speaker 1: here's the thing about sales, though, is it's like you

626
00:33:06,840 --> 00:33:11,640
Speaker 1: know what the great sale is for sales too, because

627
00:33:11,680 --> 00:33:13,320
Speaker 1: you're like, oh my god, and then all of a

628
00:33:13,360 --> 00:33:15,840
Speaker 1: sudden you're buying a v Lord jacket like you didn't

629
00:33:15,880 --> 00:33:17,920
Speaker 1: even need, but you know, okay for Lord, I gave

630
00:33:17,960 --> 00:33:19,320
Speaker 1: it to you. First of all, I was actually talking

631
00:33:19,320 --> 00:33:22,320
Speaker 1: about a different floor jacket that I didn't buy. But yes, um,

632
00:33:22,320 --> 00:33:27,080
Speaker 1: miss out here gave me a custom purple Valors Zippa

633
00:33:27,160 --> 00:33:32,480
Speaker 1: hoodie and match. Yeah, that says, um, finance is cool

634
00:33:32,480 --> 00:33:34,880
Speaker 1: in the back of the hoodie and then the ass assets.

635
00:33:35,160 --> 00:33:39,720
Speaker 1: Can I just say, can I say that what we're

636
00:33:39,760 --> 00:33:43,280
Speaker 1: talking about is the emotions behind money, right, So you're

637
00:33:43,360 --> 00:33:47,400
Speaker 1: literally writing on you're saying exactly like it's this is it? Right?

638
00:33:47,440 --> 00:33:49,440
Speaker 1: This is the core of why it's hard because it's

639
00:33:49,480 --> 00:33:52,720
Speaker 1: all emotional. So you're thinking, oh, I'm getting this deal

640
00:33:52,760 --> 00:33:54,560
Speaker 1: and you've got compulsive about it. The same way like

641
00:33:54,600 --> 00:33:56,880
Speaker 1: you've got compulsive about like if a guy texted you back,

642
00:33:57,000 --> 00:33:59,640
Speaker 1: or like a sale and then like seeing some of

643
00:33:59,640 --> 00:34:02,600
Speaker 1: your like oh, you're eating one goldfish and then all

644
00:34:02,640 --> 00:34:04,080
Speaker 1: of a sudden you be in the whole bag. Like

645
00:34:04,280 --> 00:34:07,040
Speaker 1: the relationship and that's fucking capitalism. But it's like you

646
00:34:07,080 --> 00:34:09,160
Speaker 1: have the relationship to the things you want to buy,

647
00:34:09,320 --> 00:34:11,920
Speaker 1: and especially with products and clothes and make shift your

648
00:34:11,960 --> 00:34:14,319
Speaker 1: house or whatever, like because it's defining you as a

649
00:34:14,360 --> 00:34:16,520
Speaker 1: person too. And we all want to be seen as

650
00:34:16,600 --> 00:34:19,440
Speaker 1: affluent and together and like we have style and like

651
00:34:19,520 --> 00:34:23,040
Speaker 1: we like you know, we're putting this time into curating ourselves. Ay,

652
00:34:23,080 --> 00:34:25,000
Speaker 1: there's that where it's like we defined by what we

653
00:34:25,040 --> 00:34:28,400
Speaker 1: buy and like we present ourselves be there's an actually

654
00:34:28,400 --> 00:34:33,239
Speaker 1: even like sicker illness, which is the thrill of purchasing. Yes,

655
00:34:33,560 --> 00:34:36,560
Speaker 1: like that I am afflicted buying where you feel like

656
00:34:36,600 --> 00:34:39,359
Speaker 1: you sort of dare yourself every time you make a purchase. Yes,

657
00:34:39,760 --> 00:34:42,200
Speaker 1: you love furniture, you like home decor, and we all

658
00:34:42,239 --> 00:34:45,640
Speaker 1: know Stephen loves clothing. So these are value based categories

659
00:34:45,640 --> 00:34:47,800
Speaker 1: for you guys. And there's nothing to feel guilty about

660
00:34:47,880 --> 00:34:50,480
Speaker 1: because they're putting money into them, because they do give

661
00:34:50,560 --> 00:34:52,719
Speaker 1: us so much pleasure payment. Yeah, you wouldn't do There's

662
00:34:52,760 --> 00:34:54,719
Speaker 1: other things that you are not spending money on because

663
00:34:54,719 --> 00:34:56,480
Speaker 1: it doesn't matter to you. But the point is never

664
00:34:56,480 --> 00:34:58,799
Speaker 1: person round in my car because I don't have one. Exactly,

665
00:34:58,880 --> 00:35:02,120
Speaker 1: you're saving money on you know, play she even since

666
00:35:02,239 --> 00:35:05,400
Speaker 1: stayed us so much on auto and that for you

667
00:35:05,440 --> 00:35:11,879
Speaker 1: as a zero kind of like to celebrate that a boat.

668
00:35:13,440 --> 00:35:15,320
Speaker 1: I was telling them that when I was studying for

669
00:35:15,400 --> 00:35:17,840
Speaker 1: my CFP, Like it made me realize in America that

670
00:35:18,000 --> 00:35:20,480
Speaker 1: everyone wants a boat. It really is the American dream

671
00:35:20,480 --> 00:35:24,000
Speaker 1: because every single example was like Paul got a boat

672
00:35:24,560 --> 00:35:28,000
Speaker 1: and his expenses went up like this amount. No, and

673
00:35:28,040 --> 00:35:30,120
Speaker 1: I feel like, actually, where we're from Massachusetts a little,

674
00:35:30,120 --> 00:35:32,399
Speaker 1: it's more ARII, it's more keypent. The Jones is having

675
00:35:32,400 --> 00:35:36,640
Speaker 1: the most fabulous kayak, you know, but can I stamping gear?

676
00:35:36,920 --> 00:35:39,360
Speaker 1: With the value based spending thing, I think that that's

677
00:35:39,400 --> 00:35:42,640
Speaker 1: something that like my work as like the next generation

678
00:35:42,640 --> 00:35:45,480
Speaker 1: after suz Orman who imparted, I think a lot of

679
00:35:45,520 --> 00:35:48,279
Speaker 1: guilt for people about spending. Like in her, if you

680
00:35:48,320 --> 00:35:51,200
Speaker 1: read this book, you would be like, okay, so doing

681
00:35:51,239 --> 00:35:56,560
Speaker 1: it right is basically literally spending nothing and well actually

682
00:35:56,600 --> 00:35:59,799
Speaker 1: and she says you can use your credit card, which

683
00:36:00,480 --> 00:36:03,200
Speaker 1: she says, pay your rent with your credit card was crazy.

684
00:36:03,360 --> 00:36:06,520
Speaker 1: She literally was like, you can pursue your dream and

685
00:36:06,600 --> 00:36:08,759
Speaker 1: just put it on your credit card. And I was like,

686
00:36:08,840 --> 00:36:13,120
Speaker 1: maybe we don't give that advice because then she's with

687
00:36:13,200 --> 00:36:15,279
Speaker 1: thousands of dollars of credit card. I know, and I

688
00:36:15,320 --> 00:36:17,560
Speaker 1: agree with her that having a career is so much

689
00:36:17,560 --> 00:36:19,680
Speaker 1: better than having a job, which and she was saying, Okay,

690
00:36:19,680 --> 00:36:22,439
Speaker 1: these are broke people who don't have benefactors in their

691
00:36:22,440 --> 00:36:25,360
Speaker 1: lives who can support them as they pursue a dream.

692
00:36:25,440 --> 00:36:27,440
Speaker 1: But I think I open the cold credit card to

693
00:36:27,480 --> 00:36:30,920
Speaker 1: get costumes. But it's like to pursue your dream yea

694
00:36:31,600 --> 00:36:35,480
Speaker 1: where costumes dressing. She's right that you should spend your

695
00:36:35,520 --> 00:36:37,880
Speaker 1: twenties like, yes, you do shitty jobs or whatever, but

696
00:36:38,000 --> 00:36:39,920
Speaker 1: at some point, like the goal is to get a

697
00:36:39,920 --> 00:36:41,920
Speaker 1: career that you really like so that you're not in

698
00:36:42,040 --> 00:36:44,000
Speaker 1: a job you hate and when you're fifty, you know,

699
00:36:44,400 --> 00:36:47,640
Speaker 1: I agree that things that you to make you feel better.

700
00:36:47,840 --> 00:36:50,520
Speaker 1: I agree with that. I think quality of life is

701
00:36:50,600 --> 00:36:53,479
Speaker 1: so improved when you're doing something that you are passionate about,

702
00:36:53,520 --> 00:36:55,440
Speaker 1: and that too many people hate their jobs. But I

703
00:36:55,440 --> 00:36:57,839
Speaker 1: don't agree with is like the guilt around spending and

704
00:36:57,880 --> 00:37:00,239
Speaker 1: the anecdote for that, which, like both of you I

705
00:37:00,280 --> 00:37:04,840
Speaker 1: want to use because you with clothing, you with home

706
00:37:04,880 --> 00:37:08,280
Speaker 1: decre I don't think I spend much on home decor, food, food,

707
00:37:08,360 --> 00:37:16,240
Speaker 1: and I think I'm a little more. Yeah, okay, I'm crazy,

708
00:37:17,640 --> 00:37:20,479
Speaker 1: Like I think I'm You're always like I didn't buy

709
00:37:20,640 --> 00:37:26,400
Speaker 1: three dolls. You're constantly buying dolls, But think about it,

710
00:37:26,440 --> 00:37:28,799
Speaker 1: you could buy those guilt free if you're using value

711
00:37:28,800 --> 00:37:30,959
Speaker 1: based spending. Right, It's about I don't think you should

712
00:37:30,960 --> 00:37:32,759
Speaker 1: feel guilty. I should just like embrace the fact that

713
00:37:32,880 --> 00:37:35,040
Speaker 1: you buy dolls at a state. Yes, and I do.

714
00:37:35,120 --> 00:37:37,960
Speaker 1: And then sometimes I'm like, you've had enough dolls, but

715
00:37:38,080 --> 00:37:42,839
Speaker 1: yes it's a mixture of dolls thrifting clothes. It's yeah,

716
00:37:42,880 --> 00:37:46,080
Speaker 1: I'm I'm, I'm multi. The biggest thing is like asking

717
00:37:46,120 --> 00:37:48,839
Speaker 1: yourself before you're making the purchase, why am I doing this?

718
00:37:49,200 --> 00:37:51,200
Speaker 1: I think that is huge because there have been times

719
00:37:51,400 --> 00:37:54,840
Speaker 1: definitely where I feel like I see myself shopping online

720
00:37:54,880 --> 00:37:56,520
Speaker 1: and I'm looking at things with like looking at eBay,

721
00:37:56,560 --> 00:37:59,000
Speaker 1: and it's like I'm actually bored. I'm looking. Yeah, it's bored.

722
00:37:59,000 --> 00:38:00,840
Speaker 1: I'm looking for or I'm looking it's like TikTok, I

723
00:38:00,880 --> 00:38:03,000
Speaker 1: have something to do and I don't want to do it,

724
00:38:03,000 --> 00:38:04,839
Speaker 1: and I'm just stracting myself. I'm like, oh, I don't

725
00:38:04,840 --> 00:38:06,480
Speaker 1: want to like write that email, which, by the way,

726
00:38:06,520 --> 00:38:09,279
Speaker 1: give yourself permission to take a walk. Like all of

727
00:38:09,320 --> 00:38:11,000
Speaker 1: this is like you know what I mean, Like so

728
00:38:11,120 --> 00:38:13,320
Speaker 1: much of it is us just like taking in content

729
00:38:13,360 --> 00:38:14,960
Speaker 1: because we don't want to do the thing that we're doing.

730
00:38:15,000 --> 00:38:17,160
Speaker 1: And it's like that's actually not making you feel relaxed

731
00:38:17,280 --> 00:38:19,560
Speaker 1: or like more capable, like go like go take a

732
00:38:19,600 --> 00:38:24,080
Speaker 1: walk the other ways to other than shopping. Yeah, just

733
00:38:24,239 --> 00:38:26,040
Speaker 1: to throw that out there, thank you for saying, Yeah,

734
00:38:26,120 --> 00:38:28,480
Speaker 1: that is so true. It's huge. There's two more things

735
00:38:28,520 --> 00:38:30,600
Speaker 1: that I just want to actually really want to get

736
00:38:30,600 --> 00:38:34,440
Speaker 1: into really quickly. First of all about getting raises, because

737
00:38:34,440 --> 00:38:36,080
Speaker 1: she had this whole thing about how to get a

738
00:38:36,160 --> 00:38:39,279
Speaker 1: raise and it's just like which I think read. She's like,

739
00:38:40,280 --> 00:38:43,200
Speaker 1: you need to make yourself indispensable to your manager and

740
00:38:43,239 --> 00:38:47,560
Speaker 1: your team. And then she's like state your case before

741
00:38:47,560 --> 00:38:49,839
Speaker 1: you sit down with your manager. Submit I retten record

742
00:38:49,880 --> 00:38:52,719
Speaker 1: of your responsibilities and achievements. It's like that's crazy to me,

743
00:38:53,080 --> 00:38:54,680
Speaker 1: Like if you send a list of just being like,

744
00:38:54,760 --> 00:38:56,480
Speaker 1: these are all the things I did. It's like when

745
00:38:56,520 --> 00:38:58,319
Speaker 1: you ask for a raise, like you should just be

746
00:38:58,400 --> 00:39:01,160
Speaker 1: as short and concise as possible. She said, if you

747
00:39:01,200 --> 00:39:03,480
Speaker 1: go to the meeting and they haven't reviewed it, tell

748
00:39:03,560 --> 00:39:06,480
Speaker 1: them but it's okay, and that you would like to reschedule.

749
00:39:08,160 --> 00:39:11,239
Speaker 1: I'm just so pathetic. Yeah, like what, but I do

750
00:39:11,320 --> 00:39:13,600
Speaker 1: it is really important to know the numbers. Like when

751
00:39:13,640 --> 00:39:15,680
Speaker 1: you you have to make your case for yourself, I

752
00:39:15,719 --> 00:39:17,480
Speaker 1: think you should have that in the back pocket. But

753
00:39:17,520 --> 00:39:19,800
Speaker 1: if you come in with this hole, have ever gotten

754
00:39:19,800 --> 00:39:21,440
Speaker 1: a race? Yeah, so tell us how you did it.

755
00:39:21,480 --> 00:39:23,560
Speaker 1: When I used to work at this Brandy agency, Will Fallens.

756
00:39:23,840 --> 00:39:25,680
Speaker 1: When I first started working there, I was getting fifty

757
00:39:25,680 --> 00:39:27,759
Speaker 1: dollars an hour, which at the time for me, was

758
00:39:27,800 --> 00:39:30,200
Speaker 1: like I thought I was getting away with murder. It

759
00:39:30,239 --> 00:39:32,200
Speaker 1: was a lot. And I worked there for like nine

760
00:39:32,200 --> 00:39:34,480
Speaker 1: months or so, and I was like, you know what,

761
00:39:34,520 --> 00:39:36,839
Speaker 1: I'm working for a while, Like this company obviously has

762
00:39:36,840 --> 00:39:38,480
Speaker 1: a lot of money. Like I took this phrase I

763
00:39:38,520 --> 00:39:41,760
Speaker 1: emailed HR and I was just like him, I'm wondering

764
00:39:41,800 --> 00:39:43,560
Speaker 1: if we can increase my rate. I wanted to be

765
00:39:43,600 --> 00:39:45,439
Speaker 1: seventy five. I'm gonna say eighty to give them something

766
00:39:45,440 --> 00:39:47,759
Speaker 1: to come back with. I literally I said eighty. They

767
00:39:47,800 --> 00:39:50,359
Speaker 1: came back with seventy five. Like that. A week later,

768
00:39:50,440 --> 00:39:52,840
Speaker 1: I'm in the office and like one of my like

769
00:39:52,960 --> 00:39:56,680
Speaker 1: boss type persons was like, oh, I heard you finally

770
00:39:56,719 --> 00:40:00,440
Speaker 1: asked for a race. Oh my god, I know. I

771
00:40:00,480 --> 00:40:04,160
Speaker 1: was actually like already being too afraid by waiting that long. Wow,

772
00:40:04,640 --> 00:40:08,120
Speaker 1: And now that which I feel like, here's a major

773
00:40:08,200 --> 00:40:10,080
Speaker 1: lesson I need to learn. Like I always feel the

774
00:40:10,120 --> 00:40:13,640
Speaker 1: confident I'm worth like two dollars a narrow No, I

775
00:40:13,719 --> 00:40:16,680
Speaker 1: not always, but I mean like I definitely do, and

776
00:40:17,040 --> 00:40:19,000
Speaker 1: in my kind of just cleaning busines, I feel like

777
00:40:19,000 --> 00:40:20,680
Speaker 1: I've gone better with that where I'm like, this is

778
00:40:20,680 --> 00:40:22,680
Speaker 1: the right deal with it. Can I say something as

779
00:40:22,719 --> 00:40:26,120
Speaker 1: a boss? Yeah, So as a boss employees that I've

780
00:40:26,160 --> 00:40:31,680
Speaker 1: had who did not negotiate, I always find like like

781
00:40:31,719 --> 00:40:33,600
Speaker 1: I'm like, oh, like this is not going to work out,

782
00:40:33,640 --> 00:40:35,960
Speaker 1: Like Jimmy. It's always a really big red flag if

783
00:40:36,000 --> 00:40:38,520
Speaker 1: someone doesn't like take the weekend to review your payoffer

784
00:40:38,560 --> 00:40:40,960
Speaker 1: and like you know, do all of that due diligence

785
00:40:41,000 --> 00:40:42,520
Speaker 1: and like come back to you and like make you

786
00:40:42,560 --> 00:40:45,520
Speaker 1: feel like both sides should feel like they're getting away

787
00:40:45,560 --> 00:40:48,520
Speaker 1: with something. Yes, like you have to like you like.

788
00:40:48,560 --> 00:40:50,960
Speaker 1: A good negotiation is where both people feel like they

789
00:40:51,000 --> 00:40:53,080
Speaker 1: sort of lost, but also like they want come with

790
00:40:53,120 --> 00:40:55,120
Speaker 1: a higher number so that you give them something to

791
00:40:55,160 --> 00:40:57,879
Speaker 1: meet you at. I actually have steps on missus dow

792
00:40:57,960 --> 00:41:00,799
Speaker 1: Jones on my TikTok on my reels, have step I step,

793
00:41:00,840 --> 00:41:02,440
Speaker 1: how to get a raise, how to use inflation to

794
00:41:02,480 --> 00:41:04,279
Speaker 1: get a raise, all of that. So I got you

795
00:41:13,360 --> 00:41:17,440
Speaker 1: Rath segments. What does she eat? What does she wear?

796
00:41:17,760 --> 00:41:22,959
Speaker 1: How does she live? What does she eat? I mean

797
00:41:23,120 --> 00:41:28,840
Speaker 1: she's so like early two thousands, Like she's smoothie nut juice.

798
00:41:29,200 --> 00:41:34,520
Speaker 1: She's like sugary jomba juice, smoothie huge. She's like, I'll

799
00:41:34,520 --> 00:41:41,800
Speaker 1: get strawberries, watermelon, pineapple, protein powder. Could she be more edible? Arrangement?

800
00:41:43,320 --> 00:41:48,319
Speaker 1: She's surprising her. Oh wait, and this is I mean,

801
00:41:48,360 --> 00:41:50,480
Speaker 1: I totally how does she live? It's like she wrote

802
00:41:50,520 --> 00:41:53,520
Speaker 1: this book before she was out, and I think the

803
00:41:53,600 --> 00:41:57,399
Speaker 1: way she says partner and life partner. Oh yeah, she's

804
00:41:57,480 --> 00:42:00,399
Speaker 1: lay in the runway, sweetheart. Yeah. She's like, and whether

805
00:42:00,480 --> 00:42:04,319
Speaker 1: it's your wife, mother, or partner, you're like rich dad,

806
00:42:04,360 --> 00:42:06,400
Speaker 1: poor dad, Like, don't eat my cheese. He does not

807
00:42:06,480 --> 00:42:10,719
Speaker 1: say life partner in his book, E my cheese. Um,

808
00:42:10,760 --> 00:42:14,120
Speaker 1: So she's John with juice. She's getting an ed arrangement.

809
00:42:14,120 --> 00:42:16,560
Speaker 1: Feel like she's very packaged food. Like she's not like

810
00:42:16,680 --> 00:42:20,520
Speaker 1: or she's not Farmer's market. She's very like please salid yes,

811
00:42:20,719 --> 00:42:23,000
Speaker 1: there's not her episode or her cold diet is just

812
00:42:23,040 --> 00:42:25,319
Speaker 1: in the airport. Oh it is. That is literally her

813
00:42:25,360 --> 00:42:30,680
Speaker 1: favorite kind of food. Five yeah, baked by Melissa. She

814
00:42:30,760 --> 00:42:37,400
Speaker 1: loves Mexican night you know. She loves a margarita, yes,

815
00:42:39,000 --> 00:42:41,520
Speaker 1: like it, enjoys every sip and she's like this is

816
00:42:41,920 --> 00:42:45,920
Speaker 1: I say, yes, this is for me, and like, you know,

817
00:42:46,000 --> 00:42:49,200
Speaker 1: sometimes she's getting the taco salad bowl with a huge

818
00:42:49,680 --> 00:42:52,960
Speaker 1: tortilla that keeps. She's very bread bull like. She's very

819
00:42:53,000 --> 00:42:55,680
Speaker 1: like Panera bread bowl. She's very like food that if

820
00:42:55,680 --> 00:42:58,000
Speaker 1: you knew the calori count of you would be shocked, right,

821
00:42:58,080 --> 00:43:00,640
Speaker 1: Like a salad that actually is five thou yeah yea

822
00:43:01,520 --> 00:43:06,360
Speaker 1: a ranch chicken bacon caesar. But I feel like maybe

823
00:43:06,400 --> 00:43:09,120
Speaker 1: her partner got her to switch to like tea from

824
00:43:09,160 --> 00:43:14,319
Speaker 1: coffee like six years ago. Your blood pressure is through

825
00:43:14,400 --> 00:43:16,880
Speaker 1: the roof and she's like, well, my weight is normal

826
00:43:16,920 --> 00:43:19,000
Speaker 1: but it's like she's at risk of heart attack. Do

827
00:43:19,040 --> 00:43:22,439
Speaker 1: you think that her partner is like a sturdy fan

828
00:43:22,880 --> 00:43:27,880
Speaker 1: her partner is wear longer hair, right, but also like

829
00:43:27,960 --> 00:43:30,680
Speaker 1: longer hair, but they're both in like the squarest blazers. Yeah,

830
00:43:30,680 --> 00:43:33,400
Speaker 1: and so I think it's um, I mean, what does

831
00:43:33,480 --> 00:43:42,120
Speaker 1: she fucking pussy? I don't think for hours. She's just

832
00:43:42,160 --> 00:43:44,600
Speaker 1: like on the clock. She knows how to make her

833
00:43:44,600 --> 00:43:48,759
Speaker 1: a partner of many years. What she's in the palm

834
00:43:48,800 --> 00:44:03,799
Speaker 1: of her hands literally yeah, closing bell can't about that, Okay.

835
00:44:03,920 --> 00:44:08,120
Speaker 1: What she wears, I mean insane, just like nineties pant suits,

836
00:44:08,200 --> 00:44:10,520
Speaker 1: a lot of animal print. Yeah, but she only has one,

837
00:44:10,640 --> 00:44:13,200
Speaker 1: like she has one blazer. Like there's been like a

838
00:44:13,200 --> 00:44:15,239
Speaker 1: lot of like fodder around the fact that she's like

839
00:44:15,400 --> 00:44:19,480
Speaker 1: and I've had this blazer for twelve years. Oh yeah. Yeah,

840
00:44:19,520 --> 00:44:21,960
Speaker 1: she's very much like you don't mean many things, and

841
00:44:22,000 --> 00:44:24,759
Speaker 1: she's very much like I'm driving my Subaru. I feel

842
00:44:24,760 --> 00:44:27,200
Speaker 1: like she's very ultimately Tommy Bahama and still well, she

843
00:44:27,280 --> 00:44:29,799
Speaker 1: has a fucking island. She has an island, so that's

844
00:44:29,800 --> 00:44:35,719
Speaker 1: why she's she's Tommy Bama. She's tons of linen, tons

845
00:44:35,760 --> 00:44:40,960
Speaker 1: of island linen, she's very SPF shirt. Actually, oh she's yeah.

846
00:44:41,000 --> 00:44:43,759
Speaker 1: Oh but is she right? She's always on she's a boat. Yeah,

847
00:44:45,360 --> 00:44:49,360
Speaker 1: and she's always like in her SPF mom. She obviously

848
00:44:49,440 --> 00:44:53,200
Speaker 1: has just like at least four cousins who've had melanoma. Yeah,

849
00:44:53,280 --> 00:44:56,319
Speaker 1: that's like she is highly conscious of gets screen she's

850
00:44:56,320 --> 00:44:59,839
Speaker 1: getting screened every two months because she's already just like

851
00:45:00,000 --> 00:45:02,880
Speaker 1: so leathery and so Florida is so thank you for

852
00:45:02,960 --> 00:45:05,560
Speaker 1: bringing up the whole both thing because I just discovered

853
00:45:05,640 --> 00:45:07,640
Speaker 1: I think I started following her like last year. I

854
00:45:07,719 --> 00:45:11,120
Speaker 1: think when I realized the fishing content, like, oh that's

855
00:45:11,200 --> 00:45:16,200
Speaker 1: for you. Yeah, she's getting big tunas. And what's that brand,

856
00:45:16,320 --> 00:45:21,959
Speaker 1: Hulk Huck. It's like a fishware, a fishing brand. Okay, Yeah,

857
00:45:22,000 --> 00:45:24,080
Speaker 1: it's like they have a fold in the back and

858
00:45:24,200 --> 00:45:27,080
Speaker 1: it's a flap. Any every shirt is SPF one hundred

859
00:45:27,239 --> 00:45:30,919
Speaker 1: and fold in the back like a flap, like an

860
00:45:30,960 --> 00:45:34,040
Speaker 1: open flap, Like the back is lower than the front

861
00:45:34,040 --> 00:45:39,279
Speaker 1: in this way. The top is a high Go to

862
00:45:39,560 --> 00:45:43,960
Speaker 1: huk dot com sash collection flash of boots and use

863
00:45:44,040 --> 00:45:48,160
Speaker 1: ten percent boots at checkout. So yeah, it's Linen's, it's

864
00:45:48,200 --> 00:45:51,359
Speaker 1: one blazer and it's spfware. Do you think that her

865
00:45:51,440 --> 00:45:54,120
Speaker 1: wedding was like that classic lesbian wedding where they're both

866
00:45:54,160 --> 00:45:57,399
Speaker 1: wearing like white linen suits on the beach bare foot,

867
00:45:57,440 --> 00:45:59,160
Speaker 1: So you don't think that the other girls of FM.

868
00:45:59,200 --> 00:46:00,680
Speaker 1: I think the other girl did wear more of it.

869
00:46:00,800 --> 00:46:03,200
Speaker 1: I think she's I think the other girl's the bottom.

870
00:46:03,360 --> 00:46:05,720
Speaker 1: And I think that she's definitely a tiny more famine

871
00:46:05,800 --> 00:46:07,520
Speaker 1: like longer hair. But I don't think that I think

872
00:46:07,520 --> 00:46:10,279
Speaker 1: that neither is like super. Okay, So we're right. We

873
00:46:10,280 --> 00:46:12,200
Speaker 1: were wrong about her having long hair, but we're basically

874
00:46:12,280 --> 00:46:15,920
Speaker 1: right that she's just pretty similar another like leather, she

875
00:46:16,000 --> 00:46:19,760
Speaker 1: got work, they've gone work done though another le Wow. Okay,

876
00:46:19,840 --> 00:46:22,880
Speaker 1: but these are everyone's lesbian as. Yes, yes, they are

877
00:46:23,000 --> 00:46:27,400
Speaker 1: your alms like Caffie and kafee. Okay, but there is

878
00:46:27,440 --> 00:46:30,520
Speaker 1: something about like just the way Sue's we're looking at

879
00:46:30,560 --> 00:46:34,120
Speaker 1: this photo. We're at a fundraiser, obviously, um and Sue's

880
00:46:34,200 --> 00:46:37,160
Speaker 1: has her arm around the shoulder. It is it's a

881
00:46:37,160 --> 00:46:42,439
Speaker 1: top's a top short hair blazers. See here the wife

882
00:46:42,440 --> 00:46:44,759
Speaker 1: actually looks butcher, but in that way that like all

883
00:46:44,840 --> 00:46:48,239
Speaker 1: lesbians of that generation look. Yeah, that generation, All of

884
00:46:48,280 --> 00:46:49,680
Speaker 1: a sudden, they have silver hair, and they both have

885
00:46:49,680 --> 00:46:53,840
Speaker 1: short hair, and they're both catching six foot six foot perfect.

886
00:46:55,320 --> 00:46:58,799
Speaker 1: They're all just like breast cancer survivor. No. Every they're

887
00:46:58,840 --> 00:47:01,120
Speaker 1: headed back to what does she where? Everyone is like

888
00:47:01,640 --> 00:47:05,479
Speaker 1: to fun cancer. Ye cancer sncer the way, they're also

889
00:47:05,560 --> 00:47:13,520
Speaker 1: fun cancer. So how does she live? Um? Well, the island,

890
00:47:13,560 --> 00:47:15,200
Speaker 1: I think, or do you think they're just so Florida

891
00:47:15,200 --> 00:47:17,560
Speaker 1: and everything is like white marble, It is a little

892
00:47:17,560 --> 00:47:20,440
Speaker 1: more Jimmy Buffett Tommy Bahama. I agree, I agree, I

893
00:47:20,440 --> 00:47:24,800
Speaker 1: completely agree. Like I think it's like horrible Prince Prince

894
00:47:24,880 --> 00:47:28,640
Speaker 1: Island Prince. Yeah. I think they're both pretty like blazered

895
00:47:28,719 --> 00:47:31,680
Speaker 1: up and that's part of like in that time, to

896
00:47:31,840 --> 00:47:35,040
Speaker 1: be a financial guru, you had to be lesbian because

897
00:47:35,080 --> 00:47:38,920
Speaker 1: it is masculine, consider masculine to talk about money. Money, Yeah,

898
00:47:38,960 --> 00:47:41,759
Speaker 1: for sure. And I think that's why she got where

899
00:47:41,800 --> 00:47:44,200
Speaker 1: she is in her field. So I'm coming out, well,

900
00:47:47,120 --> 00:47:51,960
Speaker 1: so that gives you path away with her gay brother.

901
00:47:52,760 --> 00:47:56,480
Speaker 1: They're just like the lgbt QIA community is hugely important

902
00:47:56,520 --> 00:48:02,080
Speaker 1: to Majerney, and I'm so grateful they're supports lesbian sisters

903
00:48:02,080 --> 00:48:06,760
Speaker 1: like a doctor and Lily's door, she's a she's a surgeon.

904
00:48:07,360 --> 00:48:09,000
Speaker 1: She's in both stand so you can see her because

905
00:48:09,000 --> 00:48:11,840
Speaker 1: you're going back there to night to work at mgh

906
00:48:12,000 --> 00:48:17,480
Speaker 1: Man's greatest hospital. Yes, she does. Where my parents met.

907
00:48:17,640 --> 00:48:21,960
Speaker 1: By the way, Lily's obsessed with I know it all

908
00:48:22,000 --> 00:48:27,200
Speaker 1: goes back. Yeah, wait, what it was about what she's wearing? Okay,

909
00:48:27,480 --> 00:48:29,960
Speaker 1: so she has. I just wanted to say that Susie

910
00:48:30,000 --> 00:48:32,520
Speaker 1: orm was the top because she once familessly said I'm

911
00:48:32,560 --> 00:48:34,600
Speaker 1: a virgin. Right, she said I'm a virgin because I've

912
00:48:34,600 --> 00:48:38,959
Speaker 1: never been penetrated. Oh yeah, why does she see that?

913
00:48:39,360 --> 00:48:42,800
Speaker 1: What web side are you on? Because she's like twenty

914
00:48:42,840 --> 00:48:45,279
Speaker 1: eleven g Q quote. I don't know it was most

915
00:48:45,440 --> 00:48:48,960
Speaker 1: random quote. I mean, I'm obsessed with that statement. I

916
00:48:49,000 --> 00:48:50,960
Speaker 1: think she may mean she's never been penetrated by like

917
00:48:51,160 --> 00:48:53,920
Speaker 1: a human penis. Human dickon wasn't counting from. But I

918
00:48:53,960 --> 00:48:57,120
Speaker 1: still think she's wearing the strap she's trapping. How does

919
00:48:57,200 --> 00:49:00,920
Speaker 1: she love white marble huge in the kitchen? Is I

920
00:49:00,960 --> 00:49:03,320
Speaker 1: think it's stated? I think it's stated. Yeah, it feels

921
00:49:03,400 --> 00:49:07,560
Speaker 1: like feels pretty dated ninety eight to me. There's like

922
00:49:07,560 --> 00:49:10,640
Speaker 1: a silly a framed thing in the bathroom, just like

923
00:49:10,680 --> 00:49:12,839
Speaker 1: what happened in the bathroom stays in the bathroom. It's

924
00:49:12,840 --> 00:49:14,759
Speaker 1: like it's like, no matter where I served my guests,

925
00:49:14,800 --> 00:49:18,560
Speaker 1: it seems they like my kitchen beasts, yeah, or like

926
00:49:18,600 --> 00:49:21,960
Speaker 1: a coffee cut that's like, there's there's wine in here. Okay,

927
00:49:22,239 --> 00:49:25,720
Speaker 1: very very much. They can't go to a to Maine.

928
00:49:25,719 --> 00:49:28,040
Speaker 1: They love me. I think they love me, and they

929
00:49:28,080 --> 00:49:35,440
Speaker 1: love right. They love that. But like famous Bush Family retreat,

930
00:49:36,280 --> 00:49:40,040
Speaker 1: right they had, it's like their island houses islanded out.

931
00:49:40,400 --> 00:49:43,319
Speaker 1: It's her New York apartment, just like very I feel

932
00:49:43,320 --> 00:49:45,200
Speaker 1: like it's kind of a little bit like like it's

933
00:49:45,200 --> 00:49:49,720
Speaker 1: in Trump Tower. Okay, so it's actually literally in Frunt Tower.

934
00:49:51,040 --> 00:49:54,520
Speaker 1: She's like, it's sorry, Trump Tower is just convenient. I

935
00:49:54,600 --> 00:49:57,560
Speaker 1: got a good deal kitchens Trump Tower. I mean it's

936
00:49:57,560 --> 00:50:00,840
Speaker 1: just a tower. Yeah, it's just a tower. Okay, I

937
00:50:00,880 --> 00:50:05,200
Speaker 1: don't care what you call it. Five years, it's got

938
00:50:05,239 --> 00:50:08,720
Speaker 1: all the scraffnage I need. I invested. The concier staff

939
00:50:08,840 --> 00:50:12,000
Speaker 1: is wonderful. The jo A fees are amazing. You can

940
00:50:12,000 --> 00:50:15,200
Speaker 1: get room service. Here's my hot take. I don't think

941
00:50:15,239 --> 00:50:17,560
Speaker 1: that she takes her own advice about investing. I think

942
00:50:17,560 --> 00:50:19,839
Speaker 1: that if you looked under her hood, I think she's

943
00:50:19,880 --> 00:50:22,920
Speaker 1: totally together financially, but I think that she has like

944
00:50:22,960 --> 00:50:25,520
Speaker 1: a portfolio that you could not believe that, Like, she's

945
00:50:25,560 --> 00:50:28,879
Speaker 1: invested in things that she definitely would not conduct. Which

946
00:50:28,920 --> 00:50:31,640
Speaker 1: is fine because if you're giving financial yes, I think

947
00:50:31,640 --> 00:50:34,400
Speaker 1: if you're giving financial advice to the masses, she owns

948
00:50:34,440 --> 00:50:38,279
Speaker 1: an island, it's like you to island. I think she's

949
00:50:38,600 --> 00:50:40,600
Speaker 1: But you know what's sad. I think is that she

950
00:50:40,640 --> 00:50:46,200
Speaker 1: could have ultimately made a lot more money, but she no.

951
00:50:46,239 --> 00:50:48,440
Speaker 1: I'm just saying, like the fact that she had management

952
00:50:48,440 --> 00:50:51,759
Speaker 1: who said, great, do this fucking prepaid debit card that's

953
00:50:51,760 --> 00:50:54,759
Speaker 1: going to do false advertising? Like that's horrible business move.

954
00:50:54,800 --> 00:50:57,839
Speaker 1: You're losing all. What is a financial influencer beside someone

955
00:50:57,840 --> 00:51:00,640
Speaker 1: who has the trust of their audience and has proved

956
00:51:00,640 --> 00:51:03,120
Speaker 1: that they like are a worthwhile source to learn from.

957
00:51:03,320 --> 00:51:06,120
Speaker 1: And she's saying, Okay, let me actually screw all of

958
00:51:06,120 --> 00:51:08,680
Speaker 1: that trust that we built and sell you a product

959
00:51:08,719 --> 00:51:12,960
Speaker 1: that's actually fake. Shoo's fake, but none of us that

960
00:51:13,040 --> 00:51:16,640
Speaker 1: ram all the way off to church, to the gym

961
00:51:16,680 --> 00:51:20,120
Speaker 1: and then back to jail. Okay, who are you in

962
00:51:20,160 --> 00:51:22,120
Speaker 1: the book? Who are you in the book? You're the

963
00:51:22,200 --> 00:51:26,040
Speaker 1: girl who like invested in the wrath Like, yeah, yes,

964
00:51:26,200 --> 00:51:30,640
Speaker 1: you are Kim who went to Risdy and instead of

965
00:51:30,640 --> 00:51:33,960
Speaker 1: taking the sixty five K toy design job, did like

966
00:51:34,080 --> 00:51:38,440
Speaker 1: a lower job designing shoes. I guess I don't know

967
00:51:38,520 --> 00:51:40,839
Speaker 1: what salary position. Did you take a toy No, you're

968
00:51:40,880 --> 00:51:43,000
Speaker 1: also you're also a person in the book who like

969
00:51:44,960 --> 00:51:50,319
Speaker 1: whom who's not asking for Yeah, I'm not asking for

970
00:51:50,360 --> 00:51:55,960
Speaker 1: a raise. I think I'm a little bit more Kim

971
00:51:56,040 --> 00:51:58,960
Speaker 1: the shoe designer. Yeah, you're so, Kim, because I worked

972
00:51:59,000 --> 00:52:00,680
Speaker 1: my way up and I was and then I like

973
00:52:00,880 --> 00:52:03,000
Speaker 1: did like took less money and then asked for raises

974
00:52:03,040 --> 00:52:05,640
Speaker 1: and then like but you were like you showed your

975
00:52:05,680 --> 00:52:07,960
Speaker 1: worth and then said you can't love about me for nothing.

976
00:52:07,960 --> 00:52:10,120
Speaker 1: I worked. I made twenty one thousand a year working

977
00:52:10,160 --> 00:52:12,080
Speaker 1: for Scott Stringer, and then I worked my way up

978
00:52:12,120 --> 00:52:15,000
Speaker 1: to Yeah, we're gonna name names. Scott string Ye, Scott Stringer,

979
00:52:15,080 --> 00:52:16,959
Speaker 1: pay me twenty one thousand dollars to be deputy finance

980
00:52:17,080 --> 00:52:21,480
Speaker 1: or verse campaign in twenty nothing. But was Trump offering

981
00:52:21,480 --> 00:52:24,680
Speaker 1: you sixty five k for that same job? And I said, no,

982
00:52:25,320 --> 00:52:28,520
Speaker 1: way up the damn ladder. No one was offering me anything.

983
00:52:28,680 --> 00:52:31,640
Speaker 1: Oh yeah, but you're also mister Visa. I'm saying, oh my, yeah,

984
00:52:31,680 --> 00:52:33,680
Speaker 1: I'm you're a mister Visa. Oh I am mister Visa.

985
00:52:34,040 --> 00:52:36,080
Speaker 1: Even though I don't have a visa. I have such

986
00:52:36,080 --> 00:52:38,359
Speaker 1: a children's credit card. It's from TD Bank, It's from

987
00:52:38,360 --> 00:52:41,239
Speaker 1: my own bank. But does it say visa on it? Like?

988
00:52:41,440 --> 00:52:44,600
Speaker 1: Is it visa back? Oh? I think it is visa back? Yeah?

989
00:52:44,680 --> 00:52:48,440
Speaker 1: Am I okay? Back to you our wonderful guys missed

990
00:52:48,440 --> 00:52:51,759
Speaker 1: out Jones at miss I mean in some ways you

991
00:52:51,800 --> 00:52:56,080
Speaker 1: are I guess you're just do you have a university? No? No,

992
00:52:56,120 --> 00:52:58,360
Speaker 1: I like you do have a course? And like is

993
00:52:58,360 --> 00:53:00,960
Speaker 1: that your debit card? We'll see and you are and

994
00:53:01,080 --> 00:53:03,240
Speaker 1: like just like this book has told us a good websites.

995
00:53:03,400 --> 00:53:06,400
Speaker 1: You have been mentioned in your website mans say wow

996
00:53:06,480 --> 00:53:10,200
Speaker 1: the writings on the wall. Sorry that I want you

997
00:53:10,239 --> 00:53:13,360
Speaker 1: to say, I was mister Emmett started fishing for that.

998
00:53:14,640 --> 00:53:16,360
Speaker 1: Are you sure you don't want to take back your answer?

999
00:53:16,520 --> 00:53:19,800
Speaker 1: Here this is a place of fun and your susan.

1000
00:53:19,880 --> 00:53:22,879
Speaker 1: You will own an island and you will come. Yes,

1001
00:53:22,960 --> 00:53:25,400
Speaker 1: I can't wait. But it's not going to be Tommy Bahamas.

1002
00:53:25,640 --> 00:53:29,880
Speaker 1: It's gonna be like la Epstein's island and you're turned

1003
00:53:29,960 --> 00:53:32,480
Speaker 1: it into like a Laura Piano paradise. What do you

1004
00:53:32,520 --> 00:53:36,000
Speaker 1: think about for hinge? Me saying, um, never have ever

1005
00:53:36,080 --> 00:53:39,440
Speaker 1: been to Epstein's Island? Not so funny, but I like,

1006
00:53:39,520 --> 00:53:40,920
Speaker 1: don't No one has to do it, no one has

1007
00:53:42,239 --> 00:53:48,359
Speaker 1: me honestly. Same thing with the rays. It's like, if

1008
00:53:48,360 --> 00:53:50,359
Speaker 1: someone says no to that, then why would you want

1009
00:53:50,360 --> 00:53:54,040
Speaker 1: to date them anyway? Yes? Yeah, if they won't give

1010
00:53:54,080 --> 00:53:56,640
Speaker 1: you a race and they won't give you hot fuck

1011
00:53:56,719 --> 00:53:59,880
Speaker 1: them if they won't get your hilarious Epstein islands? Wait,

1012
00:54:00,000 --> 00:54:02,200
Speaker 1: but you what are your other hinge ones? My whole

1013
00:54:02,239 --> 00:54:05,120
Speaker 1: hinge strategy is to like do like non sequitors. So

1014
00:54:05,120 --> 00:54:07,440
Speaker 1: it's just like you use a photo for like a

1015
00:54:07,480 --> 00:54:09,520
Speaker 1: prompt who you're not supposed to. So it's so it's

1016
00:54:09,600 --> 00:54:12,319
Speaker 1: very like those things that are like let's do this

1017
00:54:12,360 --> 00:54:14,880
Speaker 1: on our date from home, and it's like a selfie

1018
00:54:14,880 --> 00:54:18,160
Speaker 1: of me at the beach or something hilarious, hilarious actual

1019
00:54:18,160 --> 00:54:23,640
Speaker 1: definitions up right now, I'm uproarious with laughter. Um, I

1020
00:54:23,680 --> 00:54:25,839
Speaker 1: also have a hilarious voice note that I use. Oh

1021
00:54:25,880 --> 00:54:28,640
Speaker 1: what's your voice note? It's so the voice the voice

1022
00:54:28,640 --> 00:54:30,440
Speaker 1: note is how do I pronounce my name, and it's

1023
00:54:30,480 --> 00:54:33,960
Speaker 1: me going Jennifer Lopez. I love it, so I'm going

1024
00:54:34,040 --> 00:54:38,160
Speaker 1: to do that too. Yeah, still we're going for different demos.

1025
00:54:38,160 --> 00:54:41,200
Speaker 1: It totally works, all right. I give this book I

1026
00:54:41,239 --> 00:54:44,400
Speaker 1: don't know, like true out of five dollars. I just

1027
00:54:44,440 --> 00:54:47,680
Speaker 1: feel like a lot of the advice you could just

1028
00:54:47,760 --> 00:54:52,719
Speaker 1: get from your stockbroker or from miss and yeah, and

1029
00:54:52,800 --> 00:54:54,960
Speaker 1: it does feel dated with like the amount of shame

1030
00:54:55,000 --> 00:54:57,960
Speaker 1: as we've been discussing. I give this book two point

1031
00:54:57,960 --> 00:55:01,200
Speaker 1: five out of five. There is some like basic advice,

1032
00:55:01,239 --> 00:55:02,759
Speaker 1: but I wouldn't tell anyone to like, I don't know,

1033
00:55:02,800 --> 00:55:04,640
Speaker 1: it's like, yeah, you can find this information on the

1034
00:55:04,680 --> 00:55:09,440
Speaker 1: internet on finance school dot com. Ye give this book rating.

1035
00:55:10,040 --> 00:55:13,360
Speaker 1: I give this book, uh three out of five chunky

1036
00:55:13,440 --> 00:55:17,160
Speaker 1: highlights um the three because I think that anytime that

1037
00:55:17,200 --> 00:55:19,920
Speaker 1: you're able to connect with people about money and like

1038
00:55:20,320 --> 00:55:25,200
Speaker 1: help them feel empowered, that is so powerful and a

1039
00:55:25,239 --> 00:55:27,600
Speaker 1: few people can do it. And she's someone who people

1040
00:55:27,680 --> 00:55:31,120
Speaker 1: listen to, right, we like Stephen has a stockbroker, so

1041
00:55:31,200 --> 00:55:33,399
Speaker 1: maybe you can't get that, yeah, like access, like even

1042
00:55:33,400 --> 00:55:35,480
Speaker 1: if we weren't like, okay, were obsessed with all your

1043
00:55:35,480 --> 00:55:37,960
Speaker 1: advice and we love all your advice. Into your twenty

1044
00:55:38,040 --> 00:55:41,360
Speaker 1: twenty two It is still amazing that this is like

1045
00:55:41,360 --> 00:55:43,520
Speaker 1: a best seller that like has helped probably a lot

1046
00:55:43,520 --> 00:55:46,640
Speaker 1: of people. And I like that she tries to be approachable.

1047
00:55:46,760 --> 00:55:49,640
Speaker 1: I wouldn't recommend it to people, Like if you were like, hey, Haley,

1048
00:55:49,640 --> 00:55:51,399
Speaker 1: what's the best book about money? I would not say

1049
00:55:51,440 --> 00:55:54,400
Speaker 1: this book. But like I do, credit book, credit is credit.

1050
00:55:56,040 --> 00:55:58,120
Speaker 1: We don't have to have come here with any connectional

1051
00:55:58,120 --> 00:55:59,920
Speaker 1: literacy to understand what you're talking about. It is all

1052
00:56:00,160 --> 00:56:02,520
Speaker 1: in pretty normal terms. And like I will say stuff

1053
00:56:02,640 --> 00:56:05,799
Speaker 1: websites like Investopedia other things like I find they are

1054
00:56:05,800 --> 00:56:09,080
Speaker 1: they're they're gatekeepers. They are gatekeepers, and they're like, they're

1055
00:56:09,120 --> 00:56:14,080
Speaker 1: not and they are Investopedia. Um, Haley, where can we

1056
00:56:14,120 --> 00:56:16,200
Speaker 1: find you? I know you have mentioned it, just that

1057
00:56:16,400 --> 00:56:19,320
Speaker 1: I'm most compatible with this guy. Okay, I love a

1058
00:56:19,360 --> 00:56:23,239
Speaker 1: gap tooth, but look at the at a cool McConaughey

1059
00:56:23,239 --> 00:56:25,160
Speaker 1: on hend right now, we do think Haley should go

1060
00:56:25,160 --> 00:56:27,719
Speaker 1: for him one hundred percent and is about to get

1061
00:56:27,719 --> 00:56:30,480
Speaker 1: married to a man in a fedora. And and by

1062
00:56:30,520 --> 00:56:34,280
Speaker 1: the way, you're invited, Okay, where can you find me myself?

1063
00:56:34,440 --> 00:56:37,719
Speaker 1: Here's the thing? Everywhere at missus dow Jones. But if

1064
00:56:37,719 --> 00:56:40,359
Speaker 1: you want to make it easy on yourself, get out

1065
00:56:40,360 --> 00:56:43,359
Speaker 1: your phone and type in finances coool dot com. Room

1066
00:56:43,719 --> 00:56:46,720
Speaker 1: right there. It's good everything. You can find it all.

1067
00:56:46,880 --> 00:56:52,520
Speaker 1: I'll see you there, hunting stay wretch finances coo dot com.

1068
00:56:52,560 --> 00:56:54,640
Speaker 1: Thank you so much, Haley for joining us. Thank you

1069
00:56:54,680 --> 00:56:57,680
Speaker 1: it was a joy. Thank you for the Finances cool

1070
00:56:57,760 --> 00:57:00,920
Speaker 1: trucker hat I am wearing right now. I did adore

1071
00:57:00,960 --> 00:57:03,160
Speaker 1: you both. This is my favorite podcast. You know that

1072
00:57:03,200 --> 00:57:08,080
Speaker 1: I'm a patron member. That is a value based purchase. Okay,

1073
00:57:08,200 --> 00:57:10,960
Speaker 1: everyone needs to join. See you in the club. We'll

1074
00:57:11,000 --> 00:57:15,799
Speaker 1: see We will be talking more with missus Dow Jones

1075
00:57:15,840 --> 00:57:18,400
Speaker 1: about our personal finances. Yes, seems we're going to get crazy.

1076
00:57:18,440 --> 00:57:20,880
Speaker 1: We're looking at Steven's portfolio. We're gonna look at my

1077
00:57:20,920 --> 00:57:23,960
Speaker 1: savings account that is not high yield, and miss Dow

1078
00:57:24,240 --> 00:57:29,440
Speaker 1: is gonna read read us to and give us tips

1079
00:57:30,440 --> 00:57:33,960
Speaker 1: and really just break down what's going on with the money. Also,

1080
00:57:34,120 --> 00:57:37,280
Speaker 1: guys and saxon drugs too, right, because we communicate about money.

1081
00:57:37,320 --> 00:57:40,360
Speaker 1: But anyway, you have to fucking pay up to hear us.

1082
00:57:41,160 --> 00:57:43,000
Speaker 1: Only five dollars a month will give you access to

1083
00:57:43,040 --> 00:57:46,080
Speaker 1: this week's VIP lounge and all the VIP lounges that

1084
00:57:46,080 --> 00:57:48,160
Speaker 1: we've had so far, and there have been many, so

1085
00:57:48,520 --> 00:58:03,040
Speaker 1: subscribing around sub best truck. Welcome to the VIP lounge

1086
00:58:03,080 --> 00:58:07,000
Speaker 1: with me Stephen and oh yeah miss Dow she's still

1087
00:58:07,240 --> 00:58:14,560
Speaker 1: here in Valenciaga. Seest it to thumb of thal Okay,

1088
00:58:14,640 --> 00:58:18,840
Speaker 1: and sales. We love a sale. It's guess the price.

1089
00:58:18,960 --> 00:58:22,120
Speaker 1: Yeah I got at the sample sale. It was for

1090
00:58:22,600 --> 00:58:25,920
Speaker 1: eighty five. It was two hundred no way, Yeah, that's

1091
00:58:26,000 --> 00:58:28,520
Speaker 1: such a fucking deal. I know everything we were giving away.

1092
00:58:28,520 --> 00:58:30,520
Speaker 1: It was literally like, oh you want this motorcycle back?

1093
00:58:30,520 --> 00:58:33,560
Speaker 1: It's two hundred dollars. Wow. God. Sample sales are such

1094
00:58:33,600 --> 00:58:35,680
Speaker 1: a good I mean to wait for five hours. It

1095
00:58:35,760 --> 00:58:38,720
Speaker 1: was not good time value of money. Next time, if

1096
00:58:38,760 --> 00:58:41,160
Speaker 1: I get invited again, I'm gonna get a task. Grab

1097
00:58:41,200 --> 00:58:46,240
Speaker 1: it to go early for me. Oh that's well my

1098
00:58:46,280 --> 00:58:48,760
Speaker 1: place starting at the very beginning. And then I show

1099
00:58:48,880 --> 00:58:52,680
Speaker 1: up like yeah right before doors open, Yeah, fresh blowout,

1100
00:58:52,680 --> 00:58:55,439
Speaker 1: ready to try and some clothes. Yeah. So I want

1101
00:58:55,440 --> 00:58:58,240
Speaker 1: to get really real. So we're in the VIP. Why

1102
00:58:58,280 --> 00:59:01,680
Speaker 1: we're in the VIP and guess why the actually in

1103
00:59:01,760 --> 00:59:04,600
Speaker 1: a booth? Okay, okay, that's stock percustionating Stephen shows your

1104
00:59:04,600 --> 00:59:07,240
Speaker 1: stock portfolio. Okay, so I just want to say I

1105
00:59:07,280 --> 00:59:12,200
Speaker 1: am I was looking. I've really made a lot of money.

1106
00:59:12,360 --> 00:59:13,960
Speaker 1: I mean, not like more in buffet money, but I'm

1107
00:59:14,000 --> 00:59:16,920
Speaker 1: just like, the percentage increase has been really wild the

1108
00:59:16,920 --> 00:59:19,720
Speaker 1: past two years. I think everyone has experienced this. It's

1109
00:59:19,840 --> 00:59:23,520
Speaker 1: feeling it for some like me. If you yeah, if

1110
00:59:23,520 --> 00:59:25,640
Speaker 1: you don't have a lot of exposure to the stock market,

1111
00:59:25,800 --> 00:59:29,120
Speaker 1: like no, that was just a taste of this week's

1112
00:59:29,240 --> 00:59:31,800
Speaker 1: vip lounge. Do you hear the rest of that segment

1113
00:59:31,960 --> 00:59:35,360
Speaker 1: and get another just like it every week? Go to

1114
00:59:35,480 --> 00:59:39,320
Speaker 1: patreon dot com, slash CBC the pot and sign up

1115
00:59:39,360 --> 00:59:50,760
Speaker 1: now for only five dollars a month. Is presented by

1116
00:59:50,840 --> 00:59:56,720
Speaker 1: Promo Project. Shows produced by megamer Name with apart from

1117
00:59:56,880 --> 01:00:07,160
Speaker 1: Andrew Lynn Kaplin, our production manager is Percia Verlin. Original

1118
01:00:07,200 --> 01:00:11,680
Speaker 1: theme song by Stephen full Loves Horses or work by

1119
01:00:11,800 --> 01:00:16,440
Speaker 1: Teddy Blanks, Trips and Why Follow us on Twitter, Rap

1120
01:00:16,560 --> 01:00:19,200
Speaker 1: see you see the pod, Subscribe your favorite podcast app,

1121
01:00:19,440 --> 01:00:22,280
Speaker 1: leave us a review, and don't forget to tell your

1122
01:00:22,400 --> 01:00:23,480
Speaker 1: friends about us.