Speaker 1: Episode three twenty two is episode one seventy seven. What
Speaker 1: is values based spending and how do you practice it?
Speaker 2: Welcome to the Frugal Friends podcast, where you'll learn to
Speaker 2: save money, embrace simplicity, and liver a your life. Here
Speaker 2: your hosts Jen and Jill.
Speaker 1: Welcome to the Frugal Friends podcast. My name is Jen,
Speaker 1: my name is Jill, and today we are bringing back
Speaker 1: one of our most popular episodes ever, definitely our most
Speaker 1: popular of two years ago when we first aired it.
Speaker 1: It's all about values based spending.
Speaker 3: That's wild. I can't believe it was two years ago.
Speaker 3: But also this has become our mantra. So I'm really
Speaker 3: glad that it is our most listened to episode because
Speaker 3: this is kind of the foundation of what we talk about.
Speaker 4: This is brugality one oh one b Yeah.
Speaker 1: I think if there was an episode that really defined
Speaker 1: it was a turning point I think for the show
Speaker 1: when we did this episode and when we saw how
Speaker 1: many people really were impacted by it, it changed the
Speaker 1: trajectory of the show and a lot about like what
Speaker 1: we talk about off of the show too. So if
Speaker 1: you haven't listened to one seventy seven, this is your
Speaker 1: opportunity to.
Speaker 3: Yeah, here it is again, but first our sponsors. Speaking
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Speaker 1: Yes, Frugal Friends podcast dot com slash friend letter. So
Speaker 1: much goodness in there, all right, Well, before we get
Speaker 1: into the episode, there have been some good episodes since
Speaker 1: we release one seventy seven on values based spending, like
Speaker 1: episode two seventy four, how to Align your Spending with
Speaker 1: your Values. Uh So we talk a lot about core
Speaker 1: values in these episodes, which I think we've kind of elevated,
Speaker 1: not elevated, but like incorporated more of just kind of
Speaker 1: of like values being what you love spending money on,
Speaker 1: what you value having in your budget. They don't necessarily
Speaker 1: need to be associated with your core values, but it
Speaker 1: definitely knowing those gets you closer to spending your money
Speaker 1: in a way that gets you what money can't buy.
Speaker 1: So we still think it's super important to know both
Speaker 1: what you value spending on and just what your core
Speaker 1: values are. So we got episode two seventy four and
Speaker 1: then episode one eighty one how to Identify and Improve
Speaker 1: Spending Habits. So those are some good ones to que
Speaker 1: up after this one.
Speaker 3: But let's get into this one because it's what you're
Speaker 3: here for.
Speaker 1: So our first article that we are going through is
Speaker 1: from clobear dot com and it is values based Budgeting,
Speaker 1: aligning your money with your goals. This is a really
Speaker 1: great overview of values based budgeting. What do you think Jill.
Speaker 4: Really enjoyed it.
Speaker 3: As you said, it goes through both why she loves it,
Speaker 3: the author loves values based budgeting, and then a little
Speaker 3: bit on how to. But one of the things that
Speaker 3: she talks about before she even gets into some of
Speaker 3: her bullet points is this kind of magic wand question
Speaker 3: of Hey, imagine your life if everything were exactly how
Speaker 3: you wanted it to be.
Speaker 4: What is that?
Speaker 3: And it's kind of a question to help you get
Speaker 3: at what is most valuable for me or what do
Speaker 3: I want to see in my future? And I particularly
Speaker 3: like that because it's very reminiscent of this technique that's
Speaker 3: utilized in solutions focused Therapy SFT for short. I won't
Speaker 3: get too into the weeds on it, but one of
Speaker 3: the interventions or ways of utilizing SFT is by asking
Speaker 3: this miracle question. It's this, Hey, if you woke up
Speaker 3: tomorrow and a miracle had happened how would you know
Speaker 3: that everything was different? And very similar questions, but ultimately
Speaker 3: what these questions do, while not realistic, right there's not
Speaker 3: a button I can push and I get my best life. Now,
Speaker 3: there's not an actual wand I can wave, but it
Speaker 3: does help us to understand what is deep rooted inside
Speaker 3: of us that we would like to see be different.
Speaker 3: And it's kind of this starting at the end and
Speaker 3: working backwards. But if we're able to identify the end point,
Speaker 3: that helps us to understand what do we even want?
Speaker 4: And then we can start to.
Speaker 3: Fill in the blanks, working our ways back towards where
Speaker 3: we actually find ourselves right now. And again, it's not
Speaker 3: going to mean magic, but usually there's some things that
Speaker 3: we can identify and say, well, if I did take
Speaker 3: this step, it gets me a little bit closer to
Speaker 3: this life that I do want.
Speaker 4: To see for myself. So I think it's a really
Speaker 4: useful question.
Speaker 3: It can feel really silly, really odd, but I love
Speaker 3: that she starts it out this way because I think
Speaker 3: it can be helpful, and even understanding what do I
Speaker 3: even want? I think a lot of us can struggle
Speaker 3: with answering that.
Speaker 1: Yeah, it is definitely not a question that you will
Speaker 1: be able to answer in one sitting. And that's why
Speaker 1: people tend to ignore it or maybe gloss over it,
Speaker 1: because they want to be able to answer questions as
Speaker 1: soon as they sit down to answer them. But this
Speaker 1: is something where you're going to have to ask a
Speaker 1: lot of dynamic questions. Think about really think hard about. Okay,
Speaker 1: what values do I want to have but aren't actually
Speaker 1: my true core values? That is such a tough one
Speaker 1: because I look at a list of core values and
Speaker 1: I see all these really great values. Some of them
Speaker 1: look like values I'm supposed to have or I want
Speaker 1: to have, and some of them look like values that
Speaker 1: I do not want to have. But sometimes your core
Speaker 1: values are different from the core values you want to
Speaker 1: have or think you should have. So that's a nut
Speaker 1: like that goes even deeper into figuring out who am I,
Speaker 1: what do I want outside of what society in the
Speaker 1: Internet is telling me I'm supposed to be like. So
Speaker 1: that's why it just takes time.
Speaker 3: And our core values, even if they seem really glamorous,
Speaker 3: like you know, I have a core value of justice,
Speaker 3: there's a flip side to that too, right, There's there
Speaker 3: is the way that we can operate in that that
Speaker 3: is aimed at well being, and there's a way that
Speaker 3: we can operate in that that can be destructive if
Speaker 3: we're too hyper focused on it. So, you know, even
Speaker 3: if we do assign some of these terms, recognize that
Speaker 3: there's a way that we harness some of these and
Speaker 3: walk in a way that benefits us rather than the
Speaker 3: opposite of that. But then, I know, Jenna and you
Speaker 3: and I have talked about this a little bit. My
Speaker 3: personal perspective on this is that we have core values, right,
Speaker 3: these core aspects of our personhood, and I would say
Speaker 3: we probably have about two to three actual core values,
Speaker 3: and then connected to those, almost like a ripple going
Speaker 3: out from them, we have other values that are attached
Speaker 3: to that, and that could be I don't want to
Speaker 3: say infinite, but you're probably talking potentially twenty other values.
Speaker 3: But I wouldn't say that those more peripheral values would
Speaker 3: be core. I think core values are not really going
Speaker 3: to shift throughout our lifetime. The way that we walk
Speaker 3: them out or the way that they look might shift,
Speaker 3: but the peripheral values attached to what could shift, right,
Speaker 3: Like mm hmm, I don't have kids, My own kids
Speaker 3: aren't of that core value of mine because I'm not
Speaker 3: I don't have kids.
Speaker 4: The second I do.
Speaker 3: Guess what that would change, So the certain things can
Speaker 3: shift in that equation. So I just want to give
Speaker 3: that little caveat before we keep talking about values.
Speaker 1: Yeah. Absolutely, And I also want to give permission to
Speaker 1: like parents, wives, husbands, like your spouse, your family. Your
Speaker 1: kids don't actually have to be a core value of yours,
Speaker 1: like if they are not, you can have core values
Speaker 1: that relate to how you interact with your spouse, partner
Speaker 1: and children. And so just because like your kids, for
Speaker 1: kid's sake, aren't your core values does not mean you
Speaker 1: don't care about your children. And so this is like
Speaker 1: stuff you learn about your core values, and it keeps
Speaker 1: you from overspending on your children for the sake of
Speaker 1: just loving your children. But you can spend more aligned
Speaker 1: with your values that are specifically how you want to
Speaker 1: show love to your children. And so that's why we
Speaker 1: are really into values based budgeting. So here's a little
Speaker 1: bit about why the author of this article is into it,
Speaker 1: And the first one is that values based budgeting is
Speaker 1: hyper personalized, kind of like what we mentioned at the beginning.
Speaker 1: So she says This approach works for me because I
Speaker 1: don't like needlessly rigid approaches that follow arbitrary rules put
Speaker 1: in place by financial experts, and so we feel the
Speaker 1: same exact way. And she references the fifty to thirty
Speaker 1: twenty rule, which is a budgeting rule where you spend
Speaker 1: fifty percent on needs, thirty percent on once and twenty
Speaker 1: percent on savings, which absolutely the definition of arbitrary. Depending
Speaker 1: on your income and your values, there is no need
Speaker 1: for this to be your budgeting percentages or even your goals.
Speaker 1: So I hate arbitrary rules like this, and I think,
Speaker 1: at first, yeah, it is super valuable to just find
Speaker 1: somebody resonate with and do everything they tell you exactly
Speaker 1: as they tell you. That's the fewer decisions you have
Speaker 1: to make to get this, like budgeting or financial habit.
Speaker 1: Going is super useful. But after a few months, you
Speaker 1: cannot rely on other people's definition of budgeting and financial
Speaker 1: success in goals because it's not sustainable for you. And
Speaker 1: so this is a great way to make budgeting.
Speaker 3: Sustainable, building upon the tools that you've already established. The
Speaker 3: second reason that she mentions loving values based budgeting is
Speaker 3: that it prevents impulse purchases. It already considers the things
Speaker 3: that you want to spend money on, so that is
Speaker 3: one of the biggest budget busters.
Speaker 4: Alliteration is feeling.
Speaker 3: Restricted and not wanting to feel restricted and just spending
Speaker 3: frivolously or impulsively. And having a budget that is centered
Speaker 3: around the things that you want to be spending on
Speaker 3: can be a huge help in not making those impulse
Speaker 3: purchases or not feeling super restricted because you've already identified Okay,
Speaker 3: actually it's not that valuable to me to be constantly
Speaker 3: buying coffees outside of my house.
Speaker 4: What is valuable is XYZ.
Speaker 3: So because I've got room in my budget now for that,
Speaker 3: it's easier for me to let go of this other
Speaker 3: thing that I thought was important but now I realize
Speaker 3: it's not as much. So really, it connects our spending
Speaker 3: with our why real time. It's both long term and
Speaker 3: short term. So if we've got room in our budget
Speaker 3: for the things that we actually want to be spending on,
Speaker 3: connected to these deeper values, connected to our whys of
Speaker 3: doing this thing again, it's another strength and protective factor
Speaker 3: for not making the decisions.
Speaker 4: That we don't want to be making and not mindfully spending.
Speaker 1: Absolutely, and we'll talk a little bit about our whole
Speaker 1: next article is about values based spending, but yeah, it does.
Speaker 1: It does help us definitely rain in our spending. I mean,
Speaker 1: most people might think that values based spending will inevitably
Speaker 1: lead to overspending in those categories, but it can. The
Speaker 1: more introspective you get, the more you realize you don't need.
Speaker 1: The next one is values based budgeting allows me to
Speaker 1: live the life I've always wanted to live now. And
Speaker 1: that's so important because so much of early personal finance
Speaker 1: education for adults is super restrictive. And while we totally
Speaker 1: believe in a detox, we love a good no spend
Speaker 1: challenge so that you can kind of take a step back,
Speaker 1: give up all the habits and mindless spending and emotional spending,
Speaker 1: and like pause all of that so that you can
Speaker 1: really look at why you're doing Each of those that
Speaker 1: is not sustainable by any means. So sure, there are
Speaker 1: people that do it for a full year, but I
Speaker 1: feel like those people have had quote unquote training in it.
Speaker 1: You don't just decide to do a no spend challenge.
Speaker 1: Very few people could decide to do one of those
Speaker 1: and do it for a full year right off the bat.
Speaker 4: It's like deciding to do a marathon with no true.
Speaker 1: Exactly exactly that. So we have to put into place
Speaker 1: safe strategies to live the life that you truly value now.
Speaker 1: And so you like what Jill said, two to three
Speaker 1: core values is really solid, and so you can spend
Speaker 1: and budget on those things without guilt and then kind
Speaker 1: of regulate your you know, ten to twenty other peripheral
Speaker 1: values and do them every once in a while so
Speaker 1: you still get them, but you're not taking every opportunity
Speaker 1: to spend on every single one of your values, and
Speaker 1: you can still feel like you're living a rich, like
Speaker 1: free life and you just knowing yourself and your values.
Speaker 3: Yeah, so if you like how this sounds, let's talk
Speaker 3: about how to do this.
Speaker 4: Number one, figure out what you fellue.
Speaker 1: Soul search. She says, Oh gosh, yes, it's true.
Speaker 3: And again, like you, like we said at the beginning
Speaker 3: of this podcast, this isn't just gonna be a okay,
Speaker 3: let me just like quick think about this and write
Speaker 3: it down. This will be probably a few days, potentially
Speaker 3: a week of kind of in and out wrestling with
Speaker 3: this idea of what matters to me. But we don't
Speaker 3: want to leave you empty handed in that process, just
Speaker 3: like go into a dark room and figure out what
Speaker 3: you value. In fact, you probably have to engage with
Speaker 3: the world to figure it out. But I do like
Speaker 3: this one question that she asks, And there's certainly lots
Speaker 3: of questions we can ask ourselves, but here's one. If
Speaker 3: your employer paid you in something other than cash, what
Speaker 3: would it be is super helpful.
Speaker 4: To identify love this question.
Speaker 3: Like, what else would would to me feel valuable or
Speaker 3: a good use of my time if they were to
Speaker 3: pay me in this and so is that travel that okay?
Speaker 3: Instead of paying me? Yeah, sure, give me some plane tickets.
Speaker 3: Is it time off? Is it medical expenses? Is it
Speaker 3: paying into your savings account? You name it right. There's
Speaker 3: probably a lot of different things that you could consider,
Speaker 3: but that's one way of identifying what do I value?
Speaker 3: Asking yourself that question. You can also certainly look back
Speaker 3: at what your previous spending has been over the past
Speaker 3: couple of months. Now, certainly there we'll be spending that
Speaker 3: you've done, that you've spent in areas that you don't
Speaker 3: actually value. But look at how you've spent your time,
Speaker 3: how you've spent your money. That can also give an
Speaker 3: indicator while you're looking at what do I value?
Speaker 1: Yeah, for her, she values time spending time with people.
Speaker 1: So I push back a little bit on the time one.
Speaker 1: What's the reason you want more time? I think the
Speaker 1: reason you want more time that's the actual core value,
Speaker 1: So obviously she's her Number two is spending time with
Speaker 1: people I love. So I think that's actually a core
Speaker 1: value of community, travel, living somewhere I love. So that
Speaker 1: could mean many different things like either location or for Jill,
Speaker 1: like it's you know, really great interior design. She also says,
Speaker 1: advancing her career, which I think could be many different
Speaker 1: core values, and then working on my passions. So we
Speaker 1: I mean, you can find lists of core values on
Speaker 1: the internet. I think the lists that have like fifty
Speaker 1: those are kind of comprehensive enough so you can find
Speaker 1: one of those and kind of.
Speaker 4: See what other people are. Yeah.
Speaker 1: Yeah, So number two is to look at your spending.
Speaker 1: So if you haven't done this exercise before, be prepared
Speaker 1: to be a little or a lot surprised, she says.
Speaker 1: And that's absolutely true. And so she says two to
Speaker 1: four weeks. But honestly, like I think three months. Yeah, agree, yeah,
Speaker 1: at least thirty days, but preferably ninety. And then look
Speaker 1: at all your transactions and see which values they serve.
Speaker 1: So this is a good thing to like, look at
Speaker 1: these transactions and up to next to a sheet with
Speaker 1: those or pulled up those fifty values and kind of
Speaker 1: looking at what values those transactions met. Did you get
Speaker 1: takeout on a Thursday night? So it's good to think
Speaker 1: about like the setting you were in when you spent
Speaker 1: this too, So yeah, did you get takeout?
Speaker 4: Why?
Speaker 1: What was the value was it? Was it efficiency or
Speaker 1: you know, was it fun or something? So think about
Speaker 1: the value so you can look for patterns like which
Speaker 1: values are you seeing over and over and over.
Speaker 3: Yeah, which is why we would recommend looking at your
Speaker 3: spending for a longer period of time. You're going to
Speaker 3: see more of those patterns come out rather than a
Speaker 3: fluke scenario that happened in the last thirty days. Number
Speaker 3: three on this list is to make a list of
Speaker 3: the things you don't value.
Speaker 4: Also really love this.
Speaker 3: This girl might have a background in counseling, because the
Speaker 3: things that we don't value still show.
Speaker 4: Us about ourselves.
Speaker 3: To take it even more to an extreme, the things
Speaker 3: that we hate are usually quite indicationative about the things
Speaker 3: that have shaped us, that are actually really important to us.
Speaker 3: It's it's usually an indicator of where some of our
Speaker 3: strongest passions lie. So that's a whole other side tangent,
Speaker 3: but it's one of the reasons I love this question
Speaker 3: so much.
Speaker 4: So consider the things that.
Speaker 3: You just do not want to spend money on, even
Speaker 3: if society tells you that you should. And she makes
Speaker 3: a point to say here, and I'll highlight this too,
Speaker 3: that there's no judgment here. What I don't value doesn't
Speaker 3: have to be the same as what you don't value.
Speaker 3: There is space for all of us. She lists out
Speaker 3: some of the things just as an example, and I
Speaker 3: will say, I do actually agree with a lot of
Speaker 3: the things on here.
Speaker 1: That does I tell you too, Yeah, they have the
Speaker 1: same list.
Speaker 3: Having the latest technology or gadget, fashion, a new car
Speaker 3: or a fancy car, trying the latest restaurants or bars,
Speaker 3: attending concerts, festivals, sporting events like, some of these things
Speaker 3: just aren't where she's going to ultimately want to spend
Speaker 3: her money. She would rather spend it in other areas.
Speaker 3: So this could be helpful to even have a list
Speaker 3: of well, what do I know I don't want to
Speaker 3: spend on? And this could be freeing too to even
Speaker 3: be able to name it and take some mystery out
Speaker 3: of it, because we might actually be spending in some
Speaker 3: of these areas because other people are, or we think
Speaker 3: that this is what we should be doing. But then
Speaker 3: to actually just say, you know what, actually I don't
Speaker 3: care about having new clothes awesome, then find freedom in
Speaker 3: that and recognize then this is not going to be
Speaker 3: where a big portion of my finances go.
Speaker 1: And this can become really important when these things become
Speaker 1: intertwined with your actual core values. So maybe a friend
Speaker 1: wants to go shopping, and you value community time with friends,
Speaker 1: and so that's something you want to do, but you
Speaker 1: don't value buying clothes. But because you are shopping, you
Speaker 1: might say, okay, well this is an expense to spend
Speaker 1: time with someone.
Speaker 4: But when you go and you don't buy anything exactly.
Speaker 1: So when you define these are the five to ten
Speaker 1: things I do not value and will not spend money on,
Speaker 1: you can separate those two activities and you can spend
Speaker 1: time with your friend without buying clothes because you've planned
Speaker 1: for it, you've already made that decision in your head,
Speaker 1: and so you don't have to make the decision on
Speaker 1: the fly when you might be experiencing a little decision fatigue.
Speaker 1: So this is a super important list to make. So
Speaker 1: next is see which areas of your life you can
Speaker 1: cut back on in order to put more money in
Speaker 1: the areas you value most. So this is where we
Speaker 1: do the dirty work of really making sure our spending
Speaker 1: and our budgeting is a line with our values one
Speaker 1: hundred percent and not just maybe like that fifty percent
Speaker 1: in the example of going shopping with a friend. So
Speaker 1: look at your transactions from the ninety days and kind
Speaker 1: of see which of them really truly met the value
Speaker 1: one hundred percent and which of them didn't, and how
Speaker 1: you can get creative to still fulfill your values but
Speaker 1: eliminate the parts that don't fulfill your values. So this
Speaker 1: is where we start getting creative and we get flexing
Speaker 1: those frugal muscles.
Speaker 3: Yeah, we know that our finances are not unlimited, so
Speaker 3: we're not saying just go out and spend. We're saying
Speaker 3: budget for these things. And if it's still not fully there,
Speaker 3: but this is a value of yours, look at where
Speaker 3: you're spending is where you're not where you're spending on
Speaker 3: things you don't value, and how can you decrease that
Speaker 3: even further so that there's more room here. So there
Speaker 3: is a creative process involved in this, and even the
Speaker 3: potential of blending with other things that we've talked about
Speaker 3: here earning more that does eventually become part of this equation.
Speaker 4: It's not fully what this episode's about, but.
Speaker 1: Yeah, and I think in this category is where we
Speaker 1: start to think about paying off our debt, because it
Speaker 1: can get lost in the I want to afford, you know,
Speaker 1: living my life. I'm tired of restrictive budgeting and YadA YadA.
Speaker 1: So it's really important early on to connect why you're
Speaker 1: paying off debt back to all two to four of
Speaker 1: your core values and so you kind of have to
Speaker 1: you have to think about paying off debt and kind
Speaker 1: of remilinate your brain cells to when you think about
Speaker 1: spending money on something you can you can automatically say no,
Speaker 1: I want to pay off more debt, because then you
Speaker 1: have fifty different reasons why you want to pay off
Speaker 1: your debt. And so this this is where when we're
Speaker 1: getting creative and saying, how can I cut back to
Speaker 1: put more money into my highest values. This is also
Speaker 1: where we're thinking about how can I make paying off debt,
Speaker 1: Like why does paying off debt get me closer to
Speaker 1: all three of my values? Because it inevitably does. So
Speaker 1: you just have to really think and contemplate that to
Speaker 1: make this section really work.
Speaker 3: Yeah, because we're not just talking about the collection of things.
Speaker 3: We're not just talking about freeing up money so you
Speaker 3: can go buy things. Some of this might be a
Speaker 3: big portion of this might be freeing up money to
Speaker 3: get at some of our bigger goals of debt payoff,
Speaker 3: of savings, of being able to.
Speaker 4: Yeah, maybe buy that house that we really.
Speaker 3: Want, or being able to afford our bills, you name it.
Speaker 3: We're not just talking about free up money so you
Speaker 3: can go, like buy things that seem fun to you.
Speaker 3: It's like kind of the opposite of what we're saying
Speaker 3: because still minimalists, and.
Speaker 1: I mean I think that values day budgeting, we want
Speaker 1: so much to base our financial goals around being able
Speaker 1: to buy more stuff and being able to buy more experiences.
Speaker 1: But this goes against that in that core values aren't
Speaker 1: based on stuff that you can buy. Core values are
Speaker 1: based on who you are and so when we start
Speaker 1: budgeting around what makes us more of who we are,
Speaker 1: we add fewer things that cost money. That's the goal,
Speaker 1: is that we want to think about fulfilling our lives,
Speaker 1: fulfilling our partners' lives and our children's lives, not what
Speaker 1: else can I spend money on? And so yeah, many
Speaker 1: things that fulfill us will cost money. But when affording
Speaker 1: stuff and experiences becomes less of the focus than we
Speaker 1: naturally spend life.
Speaker 3: Yes, and finally number five on this list as far
Speaker 3: as the how to is evaluate those essential expenses. And
Speaker 3: so sometimes we can think that we have got these fixed,
Speaker 3: inflexible essential expenses and we hardly even look at them.
Speaker 3: We gloss over them, we factor them in, but we
Speaker 3: never really critically think whether or not it's actually necessary.
Speaker 3: And this is a challenge to re look at those things.
Speaker 3: The transportation annual transportation costs, you have your living expenses,
Speaker 3: your grocery bill, your utilities, you name it. These things
Speaker 3: are up for debate. Certainly it might require some extreme
Speaker 3: decision making, but it's worth re looking at could I
Speaker 3: actually cut this essential quote unquote essential expense again to
Speaker 3: be able to free up some of that money in
Speaker 3: other areas. The example that this author gives that I
Speaker 3: don't think is going to be realistic for most.
Speaker 4: People, but I'll just say it.
Speaker 3: She noticed how much money she was spending annually on
Speaker 3: her vehicle, between insurance and gas and fixes and repairs
Speaker 3: and all of that. Her company actually offered her a
Speaker 3: company car, so she was able to sell her car,
Speaker 3: utilize the company car, and now it has slashed her
Speaker 3: transportation costs significantly. And then we'll also bike a lot
Speaker 3: of places or utilize public transportation. Again, that's not always
Speaker 3: available to everybody, but I like the way that this
Speaker 3: gets us to think of, well, do I actually need that.
Speaker 3: It's one of the reasons that Eric and I chose
Speaker 3: to live in our tiny home for a time. It
Speaker 3: didn't last forever. Now we're in an actual home that
Speaker 3: is stationary. It doesn't move, it's not on wheels. But
Speaker 3: that was one of those let's look at this big
Speaker 3: expense of rent and do we actually have to be
Speaker 3: putting this much money into rent in this area. What's
Speaker 3: the way that we could slash our housing expense? And
Speaker 3: we did, and it freed up the opportunity for me
Speaker 3: to be able to cash flow my master's degree and
Speaker 3: tons of other things. So it's worth being creative. It's
Speaker 3: not necessarily it doesn't mean that you're going to find
Speaker 3: some awesome solution, but still look at it. Be willing
Speaker 3: to think outside the box on these more big expenses.
Speaker 1: Absolutely, and then she just says that after all of that,
Speaker 1: you can use the found money to go towards your
Speaker 1: high values categories. So that is how to create a
Speaker 1: values based budget. So let's talk about values based spending,
Speaker 1: which is budgeting in action. This one is from Eat, Drink,
Speaker 1: and Save Money, and it's how to save money with
Speaker 1: values based spending. So what did you think of this?
Speaker 1: We're going to go through all of her examples for
Speaker 1: values based spending and how it works with values based budgeting.
Speaker 2: Yeah.
Speaker 3: I like the way that she partitioned this out, and
Speaker 3: she is making the ultimate idea behind what we're about
Speaker 3: to go through in these examples is the connection between
Speaker 3: values based budgeting and values based spending that you can't
Speaker 3: just values based spend if you actually want to get
Speaker 3: at your long term financial goals, because then it just
Speaker 3: becomes an excuse of well, it's a value of mine,
Speaker 3: so sure I can drop a ton of money on it.
Speaker 3: It has to be connected to the actual money that
Speaker 3: you bring in and all of the other expenses that
Speaker 3: are necessary that you do need to pay in some
Speaker 3: regard for food and housing and transportation. So it's showing
Speaker 3: how values based spending without a budget could look and
Speaker 3: how values based spending with a budget could look. So
Speaker 3: the first example goes into friendship.
Speaker 1: I think all of these that we're going to go
Speaker 1: through are definitely common values, and they're all ones I share,
Speaker 1: and it is definitely the budget is a tool, it's
Speaker 1: not the solution. So we make the budget so that
Speaker 1: we have the plan, because without a plan, we're not
Speaker 1: going to follow through with values based spending. We have
Speaker 1: to know what our values are and we have to
Speaker 1: allocate money to those values. But the budget is not
Speaker 1: the solution. So I think we get into this like
Speaker 1: vicious cycle of budgeting and then spending, and then life
Speaker 1: throws us something that surprises us, and the budget goes
Speaker 1: a little awry, and then we feel kind of like
Speaker 1: guilt and shame for not being able to quote unit quote,
Speaker 1: not being able to budget, which is totally untrue. And
Speaker 1: so I think, as long as you know your values,
Speaker 1: whatever spending things come your way. You're going to be
Speaker 1: able to pivot better than using somebody else's like budgeting methods.
Speaker 3: Yeah so yeah, So with this first example, let's say
Speaker 3: you value friendship that is super important to you, and
Speaker 3: you might put different words on this of community, belonging,
Speaker 3: time with friends, it's all important. With a values based budget,
Speaker 3: you could spend time with friends, get together monthly, weekly, socialize,
Speaker 3: find ways to do that that work within the budget.
Speaker 3: Sometimes that might be free things. Sometimes it might mean
Speaker 3: things that you're spending money on, but it's not over
Speaker 3: extending yourself. It's not going into debt or taking on
Speaker 3: expenses that you can't actually afford in order to spend
Speaker 3: on this versus values based spending on friendship without budgeting,
Speaker 3: could she uses a really crazy example, now, three hundred
Speaker 3: bottle service, and that's just like extreme, But but I
Speaker 3: will say without a budget, we could say, well, yeah,
Speaker 3: I'm gonna go out on Saturday and we're gonna go
Speaker 3: have a spa day, and we're gonna do out to
Speaker 3: dinner and then we're gonna go see a movie. And
Speaker 3: because friendship is important, and if we don't actually have
Speaker 3: the money for that, that that just becomes ridiculous, but
Speaker 3: it can be a reason that we give ourselves right
Speaker 3: the how we justify it in our own minds or
Speaker 3: to another person of Oh, but friendship's important. Yeah, Friendship
Speaker 3: can be important without again over extending yourself.
Speaker 1: Yeah, and knowing your core values will actually show you
Speaker 1: who your true friends are. I mean I encountered like
Speaker 1: I used to go to happy hour like every weekend
Speaker 1: or out to dinner every weekend with friends because that's
Speaker 1: how my friends wanted to spend their time, and I
Speaker 1: wanted to spend time with my friends. But when I
Speaker 1: started spending more in alignment with my values and paying
Speaker 1: off debt, that was no longer in my budget. Like
Speaker 1: I preferred to get takeout food for the efficiency factor
Speaker 1: versus sit down dining because I'm not a foodie. I
Speaker 1: didn't care as much about that, and so I stopped
Speaker 1: hanging out with some of these friends because that is
Speaker 1: what they wanted to do. But it's okay, because I
Speaker 1: the friends that really wanted to hang out with me
Speaker 1: at my house or getting a cup of coffee.
Speaker 4: I spent more.
Speaker 1: Time with those friends, and I developed deeper relationships with
Speaker 1: those people. So don't be afraid of this it's tough,
Speaker 1: but it's better in the long run. So next example
Speaker 1: two is valuing health through values based budgeting. And I
Speaker 1: know Jill and I both value health in different ways,
Speaker 1: so I love this one. So a values based budget
Speaker 1: will allow you to allot a certain amount of money
Speaker 1: to the type of health that's like factor that's important
Speaker 1: to you, so whether that's exercise, healthy food supplements, whatever,
Speaker 1: or even different types of exercise. So that's what the
Speaker 1: values based budget helps you do. Without values based budgeting,
Speaker 1: she says that you could end up spending ten thousand
Speaker 1: on a health retreat because you value your health, I say,
Speaker 1: it's more likely that you're going to end up with
Speaker 1: a lot of different subscriptions to different health apps that
Speaker 1: you don't need all at once. So some of them
Speaker 1: are good if you value health, but if you're not budgeting,
Speaker 1: you could end up with a ton. So that's kind
Speaker 1: of how I see it happening.
Speaker 3: Yes, And then the third example here is let's say
Speaker 3: you have a strong value for the environment super important
Speaker 3: to you. You want your time, energy, and finances to align.
Speaker 4: With this value with a budget.
Speaker 3: That might mean that you are buying some eco friendly
Speaker 3: things at times, or shopping local restaurants or stores, going
Speaker 3: secondhand with a lot of your purchases, and really ultimately
Speaker 3: being environmentally friendly is a.
Speaker 4: Lot of not spending money.
Speaker 3: We're really trying to push against this idea that living
Speaker 3: a lifestyle of eco friendliness is expensive.
Speaker 4: That's a whole other conversation.
Speaker 3: But then without a budget, if we're saying we value
Speaker 3: the environment, that could cost a lot of money, especially
Speaker 3: in this current climate. I don't mean that to be
Speaker 3: u pun but there you go. We each get one
Speaker 3: per episode, yeah, where you might end up spending a
Speaker 3: ton of money on ethically made cotton, organic dresses and
Speaker 3: I don't know that the beeswax thing that you wrap
Speaker 3: your sandwiches in, and all of these things lost look
Speaker 3: really pretty and fun, and we might just say I'll
Speaker 3: do it, yeah, because I'm helping the environment. And again
Speaker 3: we extend ourselves we don't and we end up buying
Speaker 3: things we don't need.
Speaker 4: We end up spending money we don't need to be spending.
Speaker 3: So connecting that value with your budget and identifying where
Speaker 3: do we actually need to be spending and where can
Speaker 3: I have just my actions and lifestyle aligned with this
Speaker 3: value and it doesn't actually have to cost me a
Speaker 3: ton of money.
Speaker 1: Yes, And the last one is valuing time through values
Speaker 1: based budgeting. Again, I don't know if I think time
Speaker 1: is a value because time yeah, yeah, so, but she
Speaker 1: says that a values based budget allows you to allocate
Speaker 1: money towards conveniences that give you time, whereas without you
Speaker 1: can spend money on all the conveniences that give you
Speaker 1: extra time without thinking if you can afford all of them.
Speaker 1: So that is the last one. But yeah, I mean
Speaker 1: all of these are super common values. There are all
Speaker 1: things that we fall prey to, and how a values
Speaker 1: based budget can help you like rain in these things
Speaker 1: while still focusing on incorporating them into your life. Because
Speaker 1: I don't know about you, but like I sometimes feel
Speaker 1: that as a frugal person, I am more focused on
Speaker 1: not spending money and I stop focusing on doing things
Speaker 1: that I want. So, like, after six months, I look
Speaker 1: back in my life for the last six months, and
Speaker 1: I'm like, I haven't really done anything special. And so
Speaker 1: I think that's where the freedom of a budget comes
Speaker 1: in is because it forces you to plan to do
Speaker 1: these things that make you enjoy life exactly.
Speaker 3: It's like, to what end if you're not doing anything
Speaker 3: that's enjoyable or life giving, then why the heck put
Speaker 3: all of these restraints on yourself. And again, we're not
Speaker 3: talking about a super restrictive budget. We're talking about a
Speaker 3: budget that does bring in freedom. So this is more
Speaker 3: the mindfulness of going through these motions rather than the justification.
Speaker 3: I think it's looking at what am I justifying but
Speaker 3: it's actually hurting my finances to how can I still
Speaker 3: value these things and value myself in that process and
Speaker 3: not be spending too much or just justifying what I'm doing.
Speaker 1: Yes, you know what I always justified doing, and.
Speaker 4: I'm ready to go with you because it's a value.
Speaker 1: It is one of my core values.
Speaker 5: The bill of the week, that's right, it's time for
Speaker 5: the best minute of your entire week.
Speaker 2: Maybe a baby was born and his name is Williams.
Speaker 2: Maybe you paid off your mortgage, maybe your car died,
Speaker 2: and you're happy to not have to pay that bill anymore.
Speaker 5: Buck bills, Buffalo bills, Bill Clinton, this is the bill
Speaker 5: of the week.
Speaker 1: Major in jail.
Speaker 6: So I just went into Target because I had been
Speaker 6: out all day and I was like, I'm gonna treat myself.
Speaker 6: You know, we'll Starbucks drink. Well, walked around and I
Speaker 6: didn't buy any books, which is a huge accomplishment for me.
Speaker 6: And then I went as I was about to walk out,
Speaker 6: I went to get my Starbucks drink since I ordered
Speaker 6: a dairy free drink and Starbucks happened to be doing
Speaker 6: something that I didn't know about since it was a
Speaker 6: dairy free drink, I got it for free and that
Speaker 6: really made my day.
Speaker 1: So that's my bill of the week. That is awesome, Savannah,
Speaker 1: that you got free Starbucks. I'm into that.
Speaker 4: Well done, Savannah. I think I think you did two.
Speaker 3: Miraculous things, seemingly miraculous by a lot of people's standards,
Speaker 3: not spending money at Target and getting a free Starbucks drink.
Speaker 4: You really beat the system. Well done.
Speaker 1: I'm we know what. I'm focusing on the free stuff,
Speaker 1: but I think this is a perfect one like to
Speaker 1: put in this episode, and we like, don't listen to
Speaker 1: these before we play them. Is that like, obviously books
Speaker 1: you know are outside of your values, or you're finding
Speaker 1: a creative way to consume books without spending money on
Speaker 1: them because maybe you just don't value having like the
Speaker 1: rows of books at your home and so knowing that
Speaker 1: and staying true to that but also knowing like I
Speaker 1: value my Starbucks drink and so that is something I
Speaker 1: would spend money on and then you were just blessed
Speaker 1: to have it for free. I love that journey for you.
Speaker 3: If you have gone into Target and didn't spend anything,
Speaker 3: or you've gotten free stuff, or you did spend money
Speaker 3: on something and you're super.
Speaker 4: Glad about it.
Speaker 3: Yeah, submit your bill of the week to Frugal Friends
Speaker 3: podcast dot com slash bill.
Speaker 4: We'd love to hear what you have to say. Absolutely no,
Speaker 4: it's time for light aroun.
Speaker 1: The lightning round is one of Jill's core values. Yeah.
Speaker 3: I've only got about three core values, and that's one
Speaker 3: of them right there. One of them is one of
Speaker 3: them in ourmost part of my being.
Speaker 1: The others our Bucks making. Well. We are actually going
Speaker 1: to share our actual core values with you and tell
Speaker 1: you how we budget for and save on them. So,
Speaker 1: because we're pretty normal, we're average ladies, so hopefully you
Speaker 1: will find some similarities.
Speaker 4: That can be help me. Average ladies.
Speaker 1: We super average. So here you go, Jill.
Speaker 3: Okay, So some of the things that I really value
Speaker 3: are really important to me. I got quite a list
Speaker 3: of bear with me time with people. I really so
Speaker 3: yeah again, whatever you want to say, whether it's community
Speaker 3: or friendship, I just really enjoy spending time with.
Speaker 4: People and enjoying good food with people.
Speaker 3: So this is probably an area that I spend the
Speaker 3: most on, again within reason and within budget. But that's
Speaker 3: one of the ways that I do spend time with people.
Speaker 3: There's other ways too, so it's a balancing act. I
Speaker 3: also really value generosity, So this is a combination between
Speaker 3: time and money that I like to give on being
Speaker 3: generous sharing what I do have with others. I know
Speaker 3: I've probably shared in the past that before we had
Speaker 3: a lot of money, not that we have a lot
Speaker 3: well whatever, when we were really broke, we were able
Speaker 3: to be generous with our time and energy.
Speaker 4: But it's been a challenge for me.
Speaker 3: It's been something that I've really tried to focus in
Speaker 3: on that as our finances increase, as we are earning more,
Speaker 3: to also be incorporating giving of some.
Speaker 4: Of our money in that way.
Speaker 3: And it doesn't always look like an actual cash transaction.
Speaker 3: It might mean purchasing a meal for somebody else, or
Speaker 3: we do a ton of hosting in our home, so
Speaker 3: it's having some of the amenities for people while they're here,
Speaker 3: not charging people to stay in our home even though
Speaker 3: we are in a destination spot. Baby.
Speaker 4: Also, health is.
Speaker 3: Super important to me, and you'll hear Jen share about
Speaker 3: how she approaches this. But the way that I approach
Speaker 3: this is with my vitamins. Have you heard I have
Speaker 3: a blender and I really like it.
Speaker 1: Oh yeah, it does it work well? Yeah?
Speaker 3: Oh geez, you must not be paying attention to me, Jen,
Speaker 3: because I talk about my vitamins all the time.
Speaker 4: I don't know where you've been. It's a blender.
Speaker 3: It helps me use up all my veggies and fruit
Speaker 3: and it's a great way to start the day. And
Speaker 3: then I also do YouTube workout, so it's valuable to me,
Speaker 3: but I don't spend money on it. So I have
Speaker 3: said time is super valuable to me, but yes, it's
Speaker 3: what it frees me up to do. I would rather
Speaker 3: do the things that I enjoy than the things that
Speaker 3: I don't enjoy, so I will pay for convenience at times. Also,
Speaker 3: beauty is super important to me, So I don't care
Speaker 3: how big my home is, but I do want it
Speaker 3: to feel like a RESTful, peaceful, beautiful space. So anywhere
Speaker 3: that we've ever lived, it has been important to kind
Speaker 3: of make it our own, refurnish it, renovate it. So
Speaker 3: that's something that we will spend money on to make
Speaker 3: it nice. And of course mental health is super important
Speaker 3: to me. Some of the ways that I care for
Speaker 3: myself mentally isn't going to beautiful places. So that might
Speaker 3: pair with travel, it might mean that I'll take a
Speaker 3: day off, you name it, but that's going to be
Speaker 3: something that I prioritize.
Speaker 1: And we have a lot of the same values that
Speaker 1: we show in different ways, but for me, so my
Speaker 1: first and highest value. And this is funny because full disclosure,
Speaker 1: this is the second time we've recorded this episode because
Speaker 1: my audio on the first one was warped, and so
Speaker 1: we're recording this again.
Speaker 4: We're half years in and this kind of stuff still happens.
Speaker 1: It's happened. We can say it on one hand how
Speaker 1: many times we rerecord an episode, but this was one
Speaker 1: of them. And since then, I've actually kind of refined
Speaker 1: some of my core values because I'm working on this workbook.
Speaker 1: So last week I said, like, kind of my business
Speaker 1: was my highest value, but I realized that achievement is
Speaker 1: actually my highest core value. I love measurable achievement. I
Speaker 1: am borderline obsessed with it. And it is a core
Speaker 1: value that you know is healthy, but like all your
Speaker 1: core values can also be unhealthy and if not kept
Speaker 1: in check. And so my business is the number one
Speaker 1: way I am able to show achievement. So it's what
Speaker 1: I kind of work on the most. Another one for
Speaker 1: me is health and I show that through CrossFit. I
Speaker 1: love CrossFit, but that also allows me to show measurable achievement.
Speaker 1: So that's one of the reasons why that is the
Speaker 1: way I choose to live out my health value. And
Speaker 1: so some of the I mean all of these values,
Speaker 1: all your values can be inter you know, connected, I've found.
Speaker 1: So that's that. And so one of the biggest ways
Speaker 1: that I'm able to achieve more is by paying for
Speaker 1: daycare for my son. It is the best money I
Speaker 1: spend on a monthly.
Speaker 3: You love that daycare, your bill of the week every
Speaker 3: week that if I had to.
Speaker 1: Be honest, I wasn't saying Bill Curtis, I would be
Speaker 1: saying my daycare bill. So so that's so achievement is
Speaker 1: number one for me. Communities number two. I will literally
Speaker 1: drop anything on a dime for anything to hang out
Speaker 1: with my friends and family. I will do like well,
Speaker 1: certain family, but definitely friends and so I yeah, and
Speaker 1: so I thought family was one of my core values,
Speaker 1: but it turns out community is actually the core of
Speaker 1: that because my family is my community, like they're my
Speaker 1: closest community. But I will also drop, like on a
Speaker 1: dime to hang out with anybody that's down to hang.
Speaker 1: I am always down to hang. So that is my
Speaker 1: second biggest one. And then so my third one is health.
Speaker 1: So those are my those are my top three.
Speaker 4: And I love that there can be crossover.
Speaker 3: We could have shared values with other people, but then
Speaker 3: the way that we walk it out might look differently,
Speaker 3: and that's okay too, It's needed. Even we both value health.
Speaker 3: I don't spend money on a gym membership. You do,
Speaker 3: but that doesn't make it. Yeah, we still both value it.
Speaker 3: So I love the freedom and permission that is accessible
Speaker 3: even when we have similar values.
Speaker 1: Yeah, and knowing that achievement is one of my core
Speaker 1: values also helps me figure out why it's hard for
Speaker 1: me to do things that I may want to do
Speaker 1: but never end up doing them. It's because they have
Speaker 1: no achievement component. And so it's also easier to have
Speaker 1: grace for yourself when you're not doing things that you
Speaker 1: think you should be doing but are not, and to
Speaker 1: try stop trying to force yourself to be somebody who
Speaker 1: you think you should be and just be who you are.
Speaker 4: Yes, Jen, that's the cap on this one.
Speaker 3: We will get more and more on how who we
Speaker 3: are as we continue to explore these concepts and questions.
Speaker 1: Absolutely. Yeah, that workbook that I mean that I've been
Speaker 1: putting together has been not to I mean, it's gonna
Speaker 1: be really cool for everyone going through it, but like
Speaker 1: it's been cool for me to think about all of
Speaker 1: the journaling questions and all of the deep dives and
Speaker 1: so yeah, it's really good. My core values have slightly
Speaker 1: changed in the past two years, but something that hasn't
Speaker 1: changed changed is how much I love paying for daycare.
Speaker 4: I love that chorest of core v.
Speaker 1: Daycare is my core value and that hasn't changed.
Speaker 4: Which one has shifted, do you think so?
Speaker 1: I think the achievement one has gotten less. I still
Speaker 1: love completing projects, but I am less motivated than I
Speaker 1: was two years ago to just achieve for the sake
Speaker 1: of achieving. And I think definitely having a second child
Speaker 1: has changed that for me. I'm in a slow season
Speaker 1: of my life. We're slowing down. We're in the summer
Speaker 1: slow down. I'm slower I mentally and physically and schedule wise.
Speaker 1: So it's just a slow season and I'm embracing that.
Speaker 1: And I don't know when things ramp back up, if
Speaker 1: achievement necessarily will be still in my top core. But
Speaker 1: we'll see, we'll see. Yeah, how about you, Jill.
Speaker 4: I haven't changed one bit.
Speaker 1: You haven't. You are still talking about that friggin' Vita
Speaker 1: mix still every day. But I go to Jill's and
Speaker 1: I and she puts a smoothie in my hand from
Speaker 1: the Vitam mix.
Speaker 3: You're like, I don't think I agreed to this, but
Speaker 3: I also don't want to waste it, so and that.
Speaker 1: Yeah, that's it. But they're good though. They're good and
Speaker 1: I feel healthy when I am drinking them.
Speaker 4: So it's great.
Speaker 1: Yeah.
Speaker 3: Still doing my YouTube workouts, y'all. When I find something,
Speaker 3: I stick to it.
Speaker 1: That's it.
Speaker 3: That's why I always people enjoying good food, working out
Speaker 3: with my girl Pam on YouTube.
Speaker 1: And hosting this podcast and.
Speaker 3: Just blending all my veggies with my Vitam mix.
Speaker 1: So absolutely so thank you so much for listening to
Speaker 1: this rerun. We love love love reading your kind reviews,
Speaker 1: and we especially love this one from B Loves to
Speaker 1: Dance and they say love, love love. These girls are
Speaker 1: so great to listen to and giggle along with. They
Speaker 1: make frugal finance fun. Try saying that six times fass
Speaker 1: I have. They are my mom time listen to when
Speaker 1: I go for a walk. I've picked up some great
Speaker 1: tips on frugality while feeling like I've just hung out
Speaker 1: with friends. God, bless you both. Thank you, B.
Speaker 3: That's amazing. How what a lovely review. And I also
Speaker 3: appreciate it when people embed into their reviews when they
Speaker 3: enjoy listening to us. It gives me more things to
Speaker 3: picture and imagine when you and I are talking to
Speaker 3: each other, Jen, like who else is joining us and
Speaker 3: what are they doing right now?
Speaker 4: Anyhow?
Speaker 1: Thanks you going for a walk.
Speaker 3: Yeah, thanks for listening on your walk or in your car,
Speaker 3: or while you're cooking or cleaning or just sitting.
Speaker 4: I'd love it.
Speaker 3: If all you do is just sit and stare at
Speaker 3: something while you listen to us. If you've enjoyed this show,
Speaker 3: please take a minute to leave a rating and review.
Speaker 3: It helps potential new listeners know what our show is
Speaker 3: all about.
Speaker 1: See you next time. Google Friends is produced by Eric Sirianni.
Speaker 4: Jill.
Speaker 1: So we've come to the time in my life time
Speaker 1: that I feared gray hair, but no postpartum hair loss.
Speaker 4: It was related to your hair though. Look at me?
Speaker 1: Are you you are friends? Yeah? I did, and it's you.
Speaker 1: I did not mince words. You are the better friend.
Speaker 1: You're a good friend to me. I do love you,
Speaker 1: but you are an exemplary friend. Put my hair but
Speaker 1: back to me.
Speaker 4: Yeah, yeah, tell me what's happening for you?
Speaker 1: So this is something they don't tell you when you
Speaker 1: are having a baby. But three months after you give birth,
Speaker 1: your hair starts to fall out. All that luscious hair
Speaker 1: that like stayed with you during pregnancy. It all goes
Speaker 1: And that's not the bad part. The unfortunate part is
Speaker 1: the regrowth growing it back.
Speaker 6: Yeah.
Speaker 1: Okay, did we talk about the mullet on one of
Speaker 1: our posts? No? Okay, was it you? Oh no, maybe
Speaker 1: I must tree.
Speaker 3: Yeah, there's like a it's business all over the place
Speaker 3: or something for you.
Speaker 1: Yeah, okay, so we already did this post show. I
Speaker 1: don't know, did we sit.
Speaker 3: I just I know that you've talked in the past.
Speaker 3: It could be you and me just talking. I can't
Speaker 3: remember if we have a mic in front of us,
Speaker 3: because really not much changes when that happened.
Speaker 1: No, it doesn't. But you have words in front of us.
Speaker 4: What do you mean?
Speaker 1: I don't know that is it? I don't even know how.
Speaker 4: To say profanities.
Speaker 3: You've talked with your about your first birth and the
Speaker 3: second one. How you cannot stand the regrowth of hair. Now,
Speaker 3: I think you look great and I love wild curly hair,
Speaker 3: so to me it just is a beautiful Maine. But
Speaker 3: to you, it feels like business all over and party.
Speaker 4: Part party all over, business over party. Okay, maybe we
Speaker 4: did do this after show, remembering.
Speaker 3: That show business and party that that that's how you
Speaker 3: love to blend things.
Speaker 1: But you know, I'm not even going to record re
Speaker 1: record this. Yeah, this is great. We are not going
Speaker 1: to re record this. And it's all that's like on
Speaker 1: my mind for a whole month as I'm losing hair
Speaker 1: and for six months as I'm growing it back. Hats, hats, yeah,
Speaker 1: are in my future. And I'm not a hat lever,
Speaker 1: but hats are going and I got these cool new
Speaker 1: headphones to record with, so that earbuds stopped falling out
Speaker 1: of my small ears.
Speaker 4: There's only well, and.
Speaker 1: That could also help with the hair, the little hairs
Speaker 1: that grow up, and I can hold them back with
Speaker 1: this headphone that goes over the head like a headband.
Speaker 3: The unfortunate part about the way you described your new
Speaker 3: headphones is that only one of them is a correct descriptor.
Speaker 3: It is indeed new, it's not not necessarily cool.
Speaker 1: Cool with sarcasm. I hate I hate them.
Speaker 3: Jen looks like he's gonna pilot a plane.
Speaker 1: Yeah, I look like I look like Joe Rogan. No,
Speaker 1: Joe Rogan doesn't wear these. He's man. I can't. I
Speaker 1: can't think of a nobody wears these.
Speaker 4: And gene you and cool.
Speaker 1: Yeah cool? Uh so, Yeah, I look like a pilot.
Speaker 1: And but my ears are just so flip and small.
Speaker 1: I just can't. I can't do earbuds.
Speaker 3: So everybody's gonna like be looking up pictures of you now,
Speaker 3: Like Jen, my small ears described small ears and business
Speaker 3: and party hair.
Speaker 4: What's going on?
Speaker 1: Yeah?
Speaker 3: One of her children end up looking like they're real cute.
Speaker 3: They are, they are, They're real cute.
Speaker 1: Yeah, my children took the best of me away from me.
Speaker 4: You know where the free hot dogs are, so.
Speaker 1: I do, I know, I do. I got more free
Speaker 1: hot dogs this weekend, and I forgot to tell you
Speaker 1: about them.
Speaker 3: But I had a hot dog this weekend for a dollar,
Speaker 3: not free, but Ikea their cafe, not their rush, their cafe.
Speaker 3: After the checkout, I bought nothing from Ikeia except for
Speaker 3: a hot.
Speaker 4: Dog for you.
Speaker 1: Drove all the way to Ikea and just got already.
Speaker 3: In Tampa, and then we were walking around and it's like,
Speaker 3: you know what I could go for?
Speaker 1: Eric's Like, definitely, even those veggie hot dogs are good.
Speaker 1: I didn't try that one the top, it's the toppings.
Speaker 1: They're so good hot dog.
Speaker 4: This is the longest after show ever.
Speaker 1: Yeah, sorry guys, Okay bye,