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Speaker 1: Welcome to How the Money. I'm Joel and I and

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Speaker 1: Matt and today we're talking practical money hacks with Lisa Rowan.

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Speaker 1: Lisa Rowan is a staff writer at Forbes Advisor, where

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Speaker 1: she covers banking and personal finance, and she was previously

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Speaker 1: a staff writer at life Hackers two cents covering personal

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Speaker 1: finance as well. Prior to that, she was a senior

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Speaker 1: writer and an on air analyst at The Penny Hoarder,

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Speaker 1: where she launched the Dear Penny advice column syndicated by

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Speaker 1: the Tampa Bay Times. Her work has appeared in The

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Speaker 1: Washington Post, City Lab and many other publications, and now

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Speaker 1: she's recently published her book Money Hacks Plus Ways to

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Speaker 1: decrease spending, increased savings, and make your money work for you.

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Speaker 1: We're excited for an extremely practical conversation today, so Lisa,

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Speaker 1: thank you so much for joining us today on the podcast. Hey,

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Speaker 1: thanks for having me. It's my pleasure. Lisa. We're really

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Speaker 1: excited to have you. Excited for this conversation and so

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Speaker 1: many money hacks to get through. It's going to take

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Speaker 1: a while to get through two plus, so be here

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Speaker 1: for eight hours. Listeners, bresh yourselves But before we get

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Speaker 1: into all that, Lisa, you know one thing that and

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Speaker 1: I do every episode is we drink a craft beer

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Speaker 1: one because we like the way beer tastes and too.

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Speaker 1: It's just this way of prioritizing something in the here

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Speaker 1: and now while we're also saving and investing well for

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Speaker 1: the future. So, yeah, what's your sporte? Do you have

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Speaker 1: a craft beer equivalent in your life? Yeah? Beyond just

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Speaker 1: loving craft beer and craft cocktails, like y'all, the thing

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Speaker 1: that I spend so much money on, I haven't lately

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Speaker 1: because of pandemic issues. But the thing I used to

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Speaker 1: spend a ton of money on was anything that would

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Speaker 1: get me to the front of the line if I

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Speaker 1: was flying, so uh, you know, I had pre check

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Speaker 1: and global entry, but I also would throw down cash

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Speaker 1: if it would do automatic check in for me if

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Speaker 1: I was flying Southwest, or if I could pay a

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Speaker 1: little extra to sit in the front of the plane.

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Speaker 1: My whole goal was to be the first person off

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Speaker 1: the plane at the end of the play, because I

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Speaker 1: just wanted to be able to get where I was going.

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Speaker 1: I get restless when I fly, and I always have

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Speaker 1: to fly to see my family because I live quite

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Speaker 1: a ways for my family, and so when I fly

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Speaker 1: to see them, I want to be comfortable. I want

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Speaker 1: to show up not stressed out. Uh So if I can,

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Speaker 1: if I can, just you know, I don't have first

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Speaker 1: class money, but I have headed a line for uh

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Speaker 1: for economy money. So that's something that I can't resist,

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Speaker 1: this urge to splurge so that I can just be

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Speaker 1: a little more comfortable when I fly. Nice. Well, I'm

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Speaker 1: sure you've seen your savings kind of go up over

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Speaker 1: the past year, like one small bright side. So well, Lisa,

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Speaker 1: before we kind of start talking about money, you used

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Speaker 1: to own a vintage clothing shop. We recently actually talked

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Speaker 1: on the show about posh mark and how difficult it

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Speaker 1: is for folks to make money make a margin in

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Speaker 1: use clothes industry. But like, what did you learn from

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Speaker 1: that experience? We're really curious. Oh gosh, I learned so much.

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Speaker 1: I mostly learned that I was not destined to be

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Speaker 1: a shop girl, but I was destined to be a writer.

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Speaker 1: I had always been a writer, you know, before and

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Speaker 1: after running my shop, and I really had this this

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Speaker 1: vision in my mind. I think I watched like you've

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Speaker 1: got mail too much or you know, other like fun

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Speaker 1: shop Girl kind of movies. But I really thought that

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Speaker 1: I'd be able to run my shop and also be

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Speaker 1: able to like be able to like work on fiction

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Speaker 1: projects on the slow day is just sitting at my

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Speaker 1: laptop in my shop when it was slow. Then I

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Speaker 1: realized that, like one, if you have time to lean,

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Speaker 1: you have time to clean your shop. But also if

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Speaker 1: you're not busy, you're not making any money selling things,

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Speaker 1: So that's kind of like a problem. So I just

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Speaker 1: realized that I was not I was not cut out

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Speaker 1: for the day to day business operations of constantly striving

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Speaker 1: to be able to sell and make money, you know,

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Speaker 1: selling use clothes because like I'm sure you discussed on

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Speaker 1: that Posh Mark episode, I mean, you are telling a

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Speaker 1: bunch of individual things. You can't just do one listing

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Speaker 1: and change the sizes or change the colors. So it's

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Speaker 1: it's a ton of work and there's a ton of variables.

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Speaker 1: Um and uh yeah, I definitely learned to, uh don't

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Speaker 1: don't try to shy away from your true talents. If

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Speaker 1: if you have a dream, figure out a way to

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Speaker 1: investigate it without sort of going all the way into

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Speaker 1: the deep end. That's now, that's a good point. And

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Speaker 1: I guess you got into it partially because you loved

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Speaker 1: vintage clothing and you're like, how can I make this

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Speaker 1: a full time thing? And then you realized, I don't know,

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Speaker 1: maybe I can love it without making it a full

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Speaker 1: time thing. Yeah, exactly. I started writing a blog about

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Speaker 1: vintage and thrift clothing when I was just out of college,

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Speaker 1: and then it turned into selling items at markets. This

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Speaker 1: was in the dawning days of Etsy, but well before

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Speaker 1: posh mark existed on other you know, newer platforms like that,

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Speaker 1: like deepop, and so I was sell markets and then

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Speaker 1: uh and online on Etsy and eBay, and then an

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Speaker 1: opportunity came out to have a retail space and I

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Speaker 1: grossly underestimated how much money you needed to be able

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Speaker 1: to open and run a retail space. Um, they're not

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Speaker 1: joking when they talk about overhead being so high. So

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Speaker 1: so it's just my my dream and my finances didn't

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Speaker 1: quite match up there. And so I was like, well,

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Speaker 1: how do how do I get out of this? Because

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Speaker 1: I got into a ton of debt trying to run

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Speaker 1: my shop but eventually having to close it. Um. And

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Speaker 1: so the way out of debt was to write about

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Speaker 1: financial mistakes a lot and eventually write about, you know,

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Speaker 1: writing about how to do your finances right. Well, I mean,

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Speaker 1: obviously you have written a lot about money at this point.

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Speaker 1: It let's dive into some of the money hacks that

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Speaker 1: you talked about in your book. It features over seventy

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Speaker 1: five money hacks, which is a lot um. There were

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Speaker 1: definitely a few that I'd never heard of. I wanted

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Speaker 1: to hear from you two, Like, what was the most

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Speaker 1: random money hack that aided into your book in your opinion? Like,

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Speaker 1: what was the weirdest one? You know, one of the

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Speaker 1: weirdest ones that It's not weird to me now because

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Speaker 1: I've written about it a lot, but it always surprised

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Speaker 1: other people, and therefore it surprised me because we talked

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Speaker 1: about it all the time. Was the hack about finding

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Speaker 1: unclaimed money that might be in your name? Every state

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Speaker 1: has a treasury fund for money that's uh that a

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Speaker 1: company has tried to return to you but couldn't. It

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Speaker 1: might be an old landlord with the security deposit. It

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Speaker 1: might be an old employer with a last paycheck. I

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Speaker 1: even just got a check from the District of Columbia

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Speaker 1: where I used to live. It was like eleven dollars

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Speaker 1: from CVS refunds that the pharmacy couldn't get to me

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Speaker 1: like five years ago. I mean, thank you, I'll take it.

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Speaker 1: But you know, I knew that these funds existed and

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Speaker 1: that you could search your name, uh and see if

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Speaker 1: there was any money owed to you. But so many

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Speaker 1: people who have read the book and who have talked

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Speaker 1: to me, they didn't know about it. And so they're

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Speaker 1: coming back to me now and telling me how much

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Speaker 1: money they were able to get. And so that's the

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Speaker 1: one that strikes me as the strangest that I'm like,

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Speaker 1: what do you mean none of you knew about this?

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Speaker 1: Like I wish I had told you all years ago

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Speaker 1: to go look for your money. I know people who

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Speaker 1: have gotten thousands of dollars because they typed their name

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Speaker 1: into the system for their state and found some just

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Speaker 1: something hanging out in there. And it doesn't mean that

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Speaker 1: you neglected your finances, like you run out on a

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Speaker 1: job or something. I know someone who had a family

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Speaker 1: member and it was stocks from an old job that

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Speaker 1: had gotten like cashed out, but it was several jobs ago,

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Speaker 1: and so like there was a misconnection there and getting

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Speaker 1: the money to her family member and they booked a

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Speaker 1: trip to Italy like it was the coolest thing. So

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Speaker 1: that's that's lately been my favorite one to talk about

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Speaker 1: and think about because I just think it, uh, it

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Speaker 1: always surprises people, like it's that treasure hunt feeling that

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Speaker 1: everyone craves, but in real life, it's really like finding

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Speaker 1: money in the couch cushions, you know, and you said

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Speaker 1: misconnections that it kind of makes me think it's like

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Speaker 1: it's like the Craigslist misconnections, but for your money. It's like,

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Speaker 1: you know, it's like, hey, look, you certainly at Leasta

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Speaker 1: in the beginning of your book too, you know, you

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Speaker 1: offered like specific hacks to help with spending problems, and

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Speaker 1: one that you discuss is not trying to cut a

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Speaker 1: problem area of your spending could turkey. So you know,

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Speaker 1: why is that a bad tactic in your opinion? Yeah,

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Speaker 1: And it's especially at this time of year. I know

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Speaker 1: a lot of people are thinking about New Year's resolutions

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Speaker 1: or they maybe have already like ditched their New Year's resolution.

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Speaker 1: And a lot of times when we make a financial

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Speaker 1: goal for ourselves, it's just completely unattainable. We have set

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Speaker 1: our sites too high and it's just not something that

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Speaker 1: we can stick to. So if you're trying to save money,

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Speaker 1: it doesn't make sense for you to say, well, I'm

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Speaker 1: going to cut out all of my discretionary spending all month.

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Speaker 1: I'm not going to buy anything nice for myself. I'm

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Speaker 1: not going to go out to eat at all. There

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Speaker 1: are some people who really go like they can do

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Speaker 1: a spending fast and really make it work. But if

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Speaker 1: that is not your game, I really recommend and instead

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Speaker 1: of going cold turkey, instead of just like cutting all

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Speaker 1: of your spending at once, try to change it by percentages.

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Speaker 1: See if you can reduce your spending by ten percent

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Speaker 1: in a month or in a month, and see if

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Speaker 1: you can make changes that will add up. Because if

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Speaker 1: you can make small changes and then build upon them

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Speaker 1: as you go, then you're going to be able to

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Speaker 1: make more sustainable change rather than have this like Yogo

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Speaker 1: system where you're going back and forth between not spending

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Speaker 1: at all and then probably overcompensating and spending more. So

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Speaker 1: I think if you can, you know, chip away it

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Speaker 1: a little by little. Yeah, you don't see instant results

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Speaker 1: that are huge in a lot of cases, but what

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Speaker 1: you really want to see is consistent change over time,

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Speaker 1: and that's really going to be a better benefit to

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Speaker 1: your finances. Alright. So hack number fourteen actually encourages people

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Speaker 1: to pay for shipping when they're shopping online. Why is

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Speaker 1: that because most people are man there angling for the

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Speaker 1: free shipping. I know, and it drives me crazy every time,

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Speaker 1: because I get up to forty eight dollars and you know,

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Speaker 1: twenty seven cents, and I'm like, great, what how can

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Speaker 1: I spend another dollar fifty to get my free shipping?

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Speaker 1: And then twenty seven dollars later, I'm finally checking out,

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Speaker 1: And it creates this whole cycle where I'm just overspending

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Speaker 1: because I think I need to be able to get

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Speaker 1: certain things for for free, like I should get shipping

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Speaker 1: for free, or I should get shipping in two or

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Speaker 1: three days. Uh, that I should get that free gift

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Speaker 1: of that discount. And so I say, if you're trying

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Speaker 1: to spend less, especially if you're trying to spend less online,

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Speaker 1: put up whatever roadblocks you can so that you are

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Speaker 1: less tempted to spend, whether that is unsaving your credit

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Speaker 1: card from your browser, whether it's sort of like the

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Speaker 1: the old fashioned method of just putting your credit card

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Speaker 1: in a block of ice in your feaser anymore with

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Speaker 1: online shopping, does it, Yeah, don't put your devices in

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Speaker 1: ice because that's just sunk exactly exactly. But if you

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Speaker 1: can think with that mentality and you know, like don't

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Speaker 1: save your payment information into any you know, e commerce websites.

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Speaker 1: And then especially with the shipping, if you are stuck

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Speaker 1: at a point where you know you're like, Okay, I've

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Speaker 1: picked out the things that I want. Free shipping doesn't

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Speaker 1: kick in until this particular level, like just check out

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Speaker 1: with what you have now, you're gonna end up spending

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Speaker 1: more than you would have paid on the shipping if

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Speaker 1: you just keep adding items to your car for the

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Speaker 1: promise of that free shipping. I think, y'all, I think

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Speaker 1: we're going to see that go away in the next

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Speaker 1: couple of years, oh after the holiday season we just

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Speaker 1: have with the postal service, I think, you know, if

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Speaker 1: they're right exactly, it's like you need to decide do

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Speaker 1: you do you really want it now, like do you

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Speaker 1: want it fast free or or you know, it's like

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Speaker 1: that ven diagram of of design, but it's a fast

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Speaker 1: for your fast, cheaper good. It's like with shipping, like

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Speaker 1: you need to decide how do you want it chucked

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Speaker 1: from the truck on year lawn, Like we can do that.

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Speaker 1: That might be the free version. So definitely think about,

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Speaker 1: you know, do you really need the free shipping or

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Speaker 1: could you just check out with what you need right

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Speaker 1: now spend a couple of bucks and I going back

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Speaker 1: to how I think this is going to go away.

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Speaker 1: Just remember that anyone who offers you free shipping works

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Speaker 1: that into the prices somehow. That is true, so it's

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Speaker 1: it's never really free. Yeah, Anything to basically increase the

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Speaker 1: friction here, you know, like anything that you can do

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Speaker 1: to make it harder for you to spend money on

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Speaker 1: these sites, Like I mean, it used to be where

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Speaker 1: you had to actually drive to a store and then

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Speaker 1: you had to drive to another store. It was hard

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Speaker 1: to spend your money. But it is so easy and

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Speaker 1: in some ways it is good, right, Like being able

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Speaker 1: to hop from retailer to retailer, from site to site

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Speaker 1: online gives you the ability to yeah, comparison shop and

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Speaker 1: get the best deal, but it also makes it way

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Speaker 1: too easy to spend all that money. Lisa, you know

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Speaker 1: you you you talk about in your book To the

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Speaker 1: Power of Positive framing. You know, how can that change

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Speaker 1: our perspective on I guess why it is, like, why

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Speaker 1: does the you know, the different reasons why we're cutting back. Yeah,

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Speaker 1: you know, it's a lot of times when we set

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Speaker 1: a goal, you know, especially when we're trying to cut

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Speaker 1: back or when we're trying to pay off debt, the

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Speaker 1: goal is something that we did that's negative, that we're

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Speaker 1: trying to make up for, and that doesn't really help

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Speaker 1: motivate you to make change. Right, if you're constantly thinking

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Speaker 1: about the thing that you think you did wrong or

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Speaker 1: that you know really tripped you up, how hard is

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Speaker 1: it going to be to wake up every morning and

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Speaker 1: be psyched to make change to your finances? Right? So, instead,

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Speaker 1: if you know, for example, if you're trying to cut

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Speaker 1: back on your spending, if you can think about the

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Speaker 1: real reason you want to do it. Maybe it's right

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Speaker 1: now because you're in the hole by a couple hundred dollars,

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Speaker 1: but maybe in the future you want to save money

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Speaker 1: because you want to take a trip, or you want

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Speaker 1: to healthy emergency fund so you have better peace of mind,

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Speaker 1: or you want to be able to, you know, splurge

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Speaker 1: on birthday gifts for your nieces and nephews. You know,

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Speaker 1: by thinking about the outcome and thinking about the positive

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Speaker 1: impact of changing your money, you can think beyond like

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Speaker 1: that temptation right now, Like if you're thinking, like should

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Speaker 1: I buy one more six pack of craft beer? Like

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Speaker 1: you're like, do I really want this now? Or do

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Speaker 1: I want to be able to do this other thing later?

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Speaker 1: Just like just think about those priorities and sometimes you're

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Speaker 1: gonna say, yes, I would like a delicious craft beer

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Speaker 1: right now, and my nieces and nephews can wait for

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Speaker 1: their birthday gifts. But if you if you try to

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Speaker 1: think less about the things you've done wrong and the

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Speaker 1: places that you've had challenges and instead think about like

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Speaker 1: how great you're doing by just striving to do better

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Speaker 1: with your finances, that goes a long way and keeping

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Speaker 1: you motivated for long stretches of time when you're working

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Speaker 1: on this stuff. All right. Another interesting hack that you

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Speaker 1: mentioned in the book is the stranger test. Can you

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Speaker 1: explain what that means? This is one where you have

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Speaker 1: to envision in your mind's eye that you're in a store,

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Speaker 1: You've gone to a store, you're inside the store, and

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Speaker 1: you're within spitting distance of a stranger, which I know

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Speaker 1: for a lot of people as hard. Right now, you're like,

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Speaker 1: I don't want to be in the same zip code

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Speaker 1: as any other people. But just imagine in your mind's eye.

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Speaker 1: So this is a test to make sure you really

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Speaker 1: want to spend that money on an item to stay.

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Speaker 1: You're browsing and you pick up something and you're like, oh,

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Speaker 1: I want this thing. You didn't plan to buy that thing,

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Speaker 1: but it caught your eye and you're like, maybe I'll

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Speaker 1: get it. So imagine that somebody in the store, a

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Speaker 1: complete stranger, is standing in front of you and they're

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Speaker 1: holding up that item, and then their other hand they

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Speaker 1: have cash for the same amount of the price tag

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Speaker 1: on the thing you're thinking of buying, and think to yourself,

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Speaker 1: don't imagine that this is your best friend, because this

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Speaker 1: will value you up. Imagine it is a true stranger.

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Speaker 1: Maybe it's like an employee at the store. You gotta think, like,

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Speaker 1: what's going to make you like what would you take

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Speaker 1: if this stranger gave you both options? Would you take

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Speaker 1: the item or would you take the cash? And just

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Speaker 1: thinking about it in physical form like that, because so

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Speaker 1: often we pay, you know, with card or with Apple

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Speaker 1: pay or whatever anyway, Like, think of it in physical cash.

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Speaker 1: Would you love physical cash in your hand or would

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Speaker 1: you love this physical object in your hand? And whatever

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Speaker 1: the answer is, that'll guide you like maybe you do

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Speaker 1: want that thing, maybe it would benefit your life, but

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Speaker 1: maybe you know, thirty six bucks or whatever it is

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Speaker 1: could go a lot further in your life and help

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Speaker 1: you stick to those you know, positive priorities that you're

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Speaker 1: thinking about. So imagine that next time you're like maybe

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Speaker 1: at the grocery store and you're, you know, maybe in

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Speaker 1: the candy aisle, Like start small at that, be like

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Speaker 1: do I want these a reci peanut butter cups? Or

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Speaker 1: do I want four dollars? Start small thing about it

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Speaker 1: that way. I love that It's a great way to

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Speaker 1: rethink how it as we spend our money. And at

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Speaker 1: least all of these sort of tips, all these different

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Speaker 1: hacks that we've gone through so far have to do

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Speaker 1: a spending. We're gonna take a quick break, but after

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Speaker 1: that we're gonna talk about some of the hacks you

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Speaker 1: have when it comes to our savings, and so we'll

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Speaker 1: get to those right after this break. Are we're back

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Speaker 1: from the break, We're talking practical money hacks. With Lisa

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Speaker 1: Rowan today on the show, and Lisa, let's talk about

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Speaker 1: money hacks for saving money. One that seems counterintuitive is

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Speaker 1: having fewer savings goals. This one that you mentioned, I

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Speaker 1: believe that's money hacked forty eight. So explain why you

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Speaker 1: think it's important actually a fewer goals. Yeah, it's absolutely

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Speaker 1: counterintuitive because we hear all the time that we should

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Speaker 1: give our savings accounts names and have separate saving accounts

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Speaker 1: for different goals. Right, maybe it's your emergency fund, your

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Speaker 1: travel fund, your tuition fund. But if you have too

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Speaker 1: many goals and too many separate little buckets for those

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Speaker 1: savings goals, you're not going to see fast progress in

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Speaker 1: any of them because you're dividing your money up into

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Speaker 1: too many buckets. So instead, I really recommend having fewer

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Speaker 1: savings goals. Limiting yourself to two or three. Three might

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Speaker 1: even be too much, depending on how much you are

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Speaker 1: able to save, but just focusing on one or two things.

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Speaker 1: Maybe it's going to be a general savings funder and

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Speaker 1: emergency savings fund, and one up or bucket whether it

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Speaker 1: be travel or gifts or charity donations. But being able

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Speaker 1: to focus on just a few goals is going to

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Speaker 1: let you see your progress a lot faster because instead

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Speaker 1: of having five or six places that you're divvying up

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Speaker 1: your money whenever you get paid and you go to

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Speaker 1: put money into savings, you can put bigger chunks of

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Speaker 1: money in those goals. You'll hit them faster, and then

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Speaker 1: you can move on to the next goal that you're

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Speaker 1: trying to build towards. Yeah. So, so at the's one

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Speaker 1: thing too that you mentioned. You talk about earning rebates

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Speaker 1: of you know, for doing the different shopping that you're

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Speaker 1: already doing. I'm aware of some of these programs, I

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Speaker 1: just haven't checked them out myself. But which one should

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Speaker 1: people consider using and how much cash back, you know,

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Speaker 1: can you actually get. Yeah. So, two of my favorites

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Speaker 1: that I've been using for a long time or racket In,

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Speaker 1: which used to be ebates and I bought us. So

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Speaker 1: Racketin is primarily for online shopping through your phone or

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Speaker 1: your computer browser. I bought. Uh. I don't I'm not

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Speaker 1: sure if it has like a browser interface, but I

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Speaker 1: use it as an app and I use it main

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Speaker 1: when I go grocery shopping. So I'm going to start

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Speaker 1: by saying, look, there's a trade off here, and so

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Speaker 1: by letting these companies pay you for shopping at certain stores,

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Speaker 1: you're giving over your consumer data. It gets anonymized, but

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Speaker 1: you're basically you need to be willing to show people

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Speaker 1: what else is on your grocery receipt besides the you know,

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Speaker 1: a pack of chicken that you're going to get a

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Speaker 1: cash back rebate on. Right, So that's that's my disclaimer

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Speaker 1: on that. But if you don't really have any like

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Speaker 1: state secrets that you're hiding, um, you're not in the

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Speaker 1: witness protection program or anything, you can use these programs

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Speaker 1: to get some money back. And it's various rates at

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Speaker 1: certain retailers or on certain products. So I'll give you

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Speaker 1: some you know examples. If you go through racketing and

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Speaker 1: you're shopping online, you can do a little uh extension

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Speaker 1: in your browser that will show you what the cash

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Speaker 1: back rebate is and it could be anywhere between one

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Speaker 1: percent and twelve of your purchase that you can get

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00:19:55,640 --> 00:19:59,919
Speaker 1: back on that purchase. It goes into your racketing account

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Speaker 1: with in a couple of days of you shopping, and

400
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Speaker 1: they pay out quarterly, so you're not going to see

401
00:20:04,320 --> 00:20:06,320
Speaker 1: money tomorrow. That's going to show back up in your

402
00:20:06,320 --> 00:20:09,600
Speaker 1: bank account. But I typically get a check four times

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Speaker 1: a year of about ten to fifteen dollars um and

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Speaker 1: it's just like a nice pocket change to get back

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Speaker 1: on money that I was going to be spending anyway.

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Speaker 1: And it's really great. You know, I just did it

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Speaker 1: for a ton of Christmas gifts, you know, back in

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Speaker 1: November and December, and so I always see like a

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Speaker 1: little bit of a payout there. So it's you know,

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Speaker 1: if you just paid for shipping on things like I

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Speaker 1: told you to, you can get a little bit of

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Speaker 1: that money back by doing these online rebates. And then

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Speaker 1: I'll tell you for I bought a which is the

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Speaker 1: one I use for grocery shopping a lot. You basically

415
00:20:39,560 --> 00:20:43,040
Speaker 1: scan your receipt and scan particular items that they're offering

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Speaker 1: cashback rebates for. It could be a gowon of milk

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Speaker 1: from any brand. It could be a specific kind of

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Speaker 1: cereal that they want you to try that they're testing out,

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00:20:51,560 --> 00:20:54,760
Speaker 1: and it's you know, per item on your receipt could

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Speaker 1: be anywhere from a dime to a dollar or more.

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Speaker 1: So that's something where you can cash out once you

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Speaker 1: reached twenty dollars and they send it through PayPal, And

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Speaker 1: so that's something where I probably make a hundred bucks

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Speaker 1: a year just by sharing what's on my grocery receipt

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00:21:10,080 --> 00:21:11,960
Speaker 1: and sort of matching up with the things that I

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00:21:12,040 --> 00:21:14,720
Speaker 1: was already planning on buying. Because on our body, you

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00:21:14,720 --> 00:21:17,240
Speaker 1: can look at the app after you've bought the items

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Speaker 1: that day and see what's on there and then scan

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00:21:20,119 --> 00:21:23,359
Speaker 1: your receipts. So there's some temptation to keep shopping right

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Speaker 1: because it gave a fis getting those rewards. But if you,

431
00:21:26,640 --> 00:21:29,400
Speaker 1: if you are smart about it, you will not be tempted.

432
00:21:29,720 --> 00:21:31,639
Speaker 1: Or you just go to a grocery store where you

433
00:21:31,640 --> 00:21:34,240
Speaker 1: don't have good reception and then you won't need to

434
00:21:34,240 --> 00:21:36,720
Speaker 1: look at the app. Anyway, I'm looking at my own

435
00:21:36,760 --> 00:21:40,959
Speaker 1: grocery store as I say that. Uh, at least at

436
00:21:41,000 --> 00:21:42,760
Speaker 1: least you talk about pawn shops in the book to

437
00:21:43,119 --> 00:21:45,560
Speaker 1: you recommend shopping there in order to save more on

438
00:21:45,600 --> 00:21:48,200
Speaker 1: some of the items that you would potentially buy otherwise,

439
00:21:48,400 --> 00:21:51,040
Speaker 1: but just getting a better deal there. So, well, what

440
00:21:51,119 --> 00:21:53,440
Speaker 1: are your best pawnshop scores and why do you love

441
00:21:53,440 --> 00:21:57,280
Speaker 1: shopping at pawnshops? You know, you know, my favorite pawnshop

442
00:21:57,400 --> 00:22:01,439
Speaker 1: score was happened back in the day. I was in

443
00:22:01,520 --> 00:22:04,200
Speaker 1: community college and I needed a graphic calculator for a

444
00:22:04,200 --> 00:22:07,920
Speaker 1: math class. And that I mean at the time, I'm

445
00:22:07,920 --> 00:22:10,800
Speaker 1: showing my age, but that was a solid hundred dollar

446
00:22:10,960 --> 00:22:14,320
Speaker 1: expense for a college student. I was not feeling it.

447
00:22:14,520 --> 00:22:17,080
Speaker 1: And it was actually my math teacher and community college

448
00:22:17,080 --> 00:22:19,080
Speaker 1: who said, hey, call up your local pawn shop and

449
00:22:19,119 --> 00:22:21,359
Speaker 1: see if they have any And at the time, I

450
00:22:21,640 --> 00:22:24,160
Speaker 1: think I had to call two and the guy said, yeah,

451
00:22:24,200 --> 00:22:26,040
Speaker 1: you know, I have one. You know, I'll hold it

452
00:22:26,080 --> 00:22:27,879
Speaker 1: for you, come on in. And I paid something like

453
00:22:27,920 --> 00:22:32,919
Speaker 1: twenty bucks for it. So that's that's something. Where do

454
00:22:33,119 --> 00:22:35,280
Speaker 1: I don't think I have that calculator anymore. It's probably

455
00:22:35,320 --> 00:22:37,520
Speaker 1: for the best. But there are things like that, you know,

456
00:22:37,640 --> 00:22:40,439
Speaker 1: things that you wouldn't think you might be able to

457
00:22:40,440 --> 00:22:42,000
Speaker 1: find in a pawn shop. Who would have thought you

458
00:22:42,040 --> 00:22:44,560
Speaker 1: could get a calculator at a pawn shop. And I

459
00:22:44,600 --> 00:22:47,520
Speaker 1: know friends who have gotten you know, brand new laptops there,

460
00:22:47,520 --> 00:22:51,439
Speaker 1: you know, barely used, totally legit, you know, above board.

461
00:22:51,520 --> 00:22:54,439
Speaker 1: These are not items that have been stolen or gotten

462
00:22:54,440 --> 00:22:58,080
Speaker 1: through you know, like shady circumstances. They're just people have

463
00:22:58,240 --> 00:23:00,440
Speaker 1: sold their items that they didn't need and you can

464
00:23:00,520 --> 00:23:04,040
Speaker 1: really get a huge savings on them. Well, so, Lisa,

465
00:23:04,080 --> 00:23:06,560
Speaker 1: you mentioned computers an electronics that actually makes me think

466
00:23:06,560 --> 00:23:08,760
Speaker 1: of in your book as well, you talk about your

467
00:23:08,800 --> 00:23:11,920
Speaker 1: electronics right. Um. You know, Joel and I we've talked

468
00:23:11,960 --> 00:23:13,919
Speaker 1: about that song before in the show with you know,

469
00:23:13,920 --> 00:23:15,560
Speaker 1: with like the help of I Fix It some of

470
00:23:15,560 --> 00:23:17,800
Speaker 1: those different sites like that. I'm pretty sure I'm about

471
00:23:17,800 --> 00:23:19,960
Speaker 1: to take the plunge into the deep end and get

472
00:23:19,960 --> 00:23:22,800
Speaker 1: one of those kits and start becoming like Mr you know,

473
00:23:23,000 --> 00:23:27,040
Speaker 1: iPhone handyman around around our house. But I don't think

474
00:23:27,040 --> 00:23:30,280
Speaker 1: we've mentioned repair cafes. You mentioned them, and so can

475
00:23:30,440 --> 00:23:32,119
Speaker 1: share with our listeners what those are and how they

476
00:23:32,160 --> 00:23:35,240
Speaker 1: actually work. Yeah, it's something that's so cool and I

477
00:23:35,320 --> 00:23:37,679
Speaker 1: have yet to go to one in person, and granted

478
00:23:37,680 --> 00:23:39,719
Speaker 1: we're in strange times, but this is something that's on

479
00:23:39,720 --> 00:23:41,600
Speaker 1: my list that I want to check out. So these

480
00:23:41,760 --> 00:23:44,200
Speaker 1: places have sprung up all around the world. I think

481
00:23:44,200 --> 00:23:46,560
Speaker 1: there are more than two thousand of them, and it

482
00:23:46,720 --> 00:23:49,280
Speaker 1: is an in person experience. It might be held in

483
00:23:49,320 --> 00:23:52,439
Speaker 1: a church basement or in a literal cafe, but you

484
00:23:52,560 --> 00:23:55,280
Speaker 1: go and there are experts there who are willing to

485
00:23:55,320 --> 00:23:58,480
Speaker 1: help you repair your stuff. So if you're someone like

486
00:23:58,520 --> 00:24:02,560
Speaker 1: me who keeps killing blend or UH engines blender motors

487
00:24:02,720 --> 00:24:05,840
Speaker 1: and they're on your third blender in three years, maybe

488
00:24:05,920 --> 00:24:07,879
Speaker 1: you want to figure out how to just fix it

489
00:24:07,920 --> 00:24:10,560
Speaker 1: instead of buying a new one. UH. There are people

490
00:24:10,600 --> 00:24:13,040
Speaker 1: there who will help you figure out whether you can

491
00:24:13,080 --> 00:24:17,480
Speaker 1: repair your item. And it's great because it's the extension

492
00:24:17,520 --> 00:24:19,800
Speaker 1: of what we've all tried to do on YouTube, right,

493
00:24:19,960 --> 00:24:21,760
Speaker 1: you know, we might look to see if we can

494
00:24:21,840 --> 00:24:25,760
Speaker 1: fix something at home, because really it's so frustrating when

495
00:24:25,800 --> 00:24:28,439
Speaker 1: you think the only option is to throw away something

496
00:24:28,600 --> 00:24:31,880
Speaker 1: and buy a new version of it. But more and more,

497
00:24:31,920 --> 00:24:34,080
Speaker 1: I think people are getting into the fact that with

498
00:24:34,240 --> 00:24:36,359
Speaker 1: a little bit of nohow or a little bit of help,

499
00:24:36,760 --> 00:24:39,720
Speaker 1: you can actually, you know, prevent some of those upfront

500
00:24:39,720 --> 00:24:42,399
Speaker 1: costs by having to buy a new item and be

501
00:24:42,480 --> 00:24:44,600
Speaker 1: able to fix it. And in a lot of cases,

502
00:24:44,640 --> 00:24:46,840
Speaker 1: if you need UH, if you need a part to

503
00:24:46,880 --> 00:24:49,000
Speaker 1: be able to replace something or a tool or a pair,

504
00:24:49,119 --> 00:24:51,160
Speaker 1: cafe will have it, or you'll be able to buy

505
00:24:51,160 --> 00:24:54,400
Speaker 1: the part really cheap because it's probably a used part

506
00:24:54,440 --> 00:24:56,920
Speaker 1: that came off something else. Or you might be able

507
00:24:56,960 --> 00:24:59,280
Speaker 1: to work with a company the item is from, and

508
00:24:59,720 --> 00:25:02,080
Speaker 1: in a lot of cases they'll send you a part

509
00:25:02,440 --> 00:25:04,800
Speaker 1: that you need for free or for very low cost.

510
00:25:05,040 --> 00:25:07,200
Speaker 1: So it might take a little bit of time, might

511
00:25:07,200 --> 00:25:09,600
Speaker 1: take a couple of visits, you might make a couple

512
00:25:09,600 --> 00:25:12,320
Speaker 1: of mistakes along the way. But there are communities out

513
00:25:12,359 --> 00:25:14,680
Speaker 1: there where you can go and you can take your

514
00:25:14,880 --> 00:25:18,840
Speaker 1: you know, small appliances or small electronics and say hey,

515
00:25:18,880 --> 00:25:22,000
Speaker 1: please help me, and people are really excited to do that.

516
00:25:22,200 --> 00:25:25,000
Speaker 1: So there are these communities. If you search repair cafes,

517
00:25:25,080 --> 00:25:27,359
Speaker 1: you should be able to find. Um, there's a directory

518
00:25:27,400 --> 00:25:31,360
Speaker 1: of where they're located, and it's just super fun. That's cool. Yeah,

519
00:25:31,400 --> 00:25:34,280
Speaker 1: there we've got like one of the repair cafes essentially

520
00:25:34,280 --> 00:25:37,359
Speaker 1: for bikes close to where we live. And those are

521
00:25:37,359 --> 00:25:39,399
Speaker 1: in cities across the country too. So if you're not

522
00:25:39,640 --> 00:25:42,160
Speaker 1: super handy repairing your own bike, there are people out

523
00:25:42,200 --> 00:25:44,520
Speaker 1: there who would love to help you in there. They

524
00:25:44,560 --> 00:25:47,119
Speaker 1: have the tools all in one location. Um, those are

525
00:25:47,119 --> 00:25:49,639
Speaker 1: the kind of things that, yeah, are helpful for us

526
00:25:49,640 --> 00:25:51,679
Speaker 1: all to be taking advantage of so we don't have

527
00:25:51,720 --> 00:25:54,440
Speaker 1: to continue to replace items. By the way, I'm curious,

528
00:25:54,600 --> 00:25:56,320
Speaker 1: I don't know, maybe I shouldn't ask, what are you

529
00:25:56,400 --> 00:25:58,639
Speaker 1: doing to your blender that makes it break so frequently, Lisa,

530
00:26:00,359 --> 00:26:04,080
Speaker 1: if I knew, I wouldn't have this problem. I think.

531
00:26:04,320 --> 00:26:07,560
Speaker 1: I think my ratio of water and ice to ingredients

532
00:26:07,640 --> 00:26:10,320
Speaker 1: is always off a little bit. And I'm just I

533
00:26:10,680 --> 00:26:16,639
Speaker 1: think I've murdered my blenders with frozen fruit. Okay, Okay,

534
00:26:16,760 --> 00:26:19,159
Speaker 1: I'm curious about another tip that you mentioned. You You

535
00:26:19,160 --> 00:26:21,240
Speaker 1: you say that people should fill up their gas tanks

536
00:26:21,680 --> 00:26:25,080
Speaker 1: on Monday's. Why do people save more money by getting

537
00:26:25,119 --> 00:26:27,360
Speaker 1: gas on a Monday than they do on any other

538
00:26:27,400 --> 00:26:29,560
Speaker 1: day of the week. Right, this is wild and it

539
00:26:29,560 --> 00:26:32,800
Speaker 1: sounds like the hackiest of hacks. Right, It sounds so gimmicky,

540
00:26:32,920 --> 00:26:35,520
Speaker 1: But it comes from research from gas Buddy. They're the

541
00:26:35,520 --> 00:26:37,600
Speaker 1: people who make the app that tells you where the

542
00:26:37,640 --> 00:26:41,040
Speaker 1: cheapest gas is, so I trust their data. They found

543
00:26:41,280 --> 00:26:45,199
Speaker 1: that the cheapest time to get gas is on a Monday.

544
00:26:45,280 --> 00:26:48,080
Speaker 1: The most expensive time to get gas is on Friday

545
00:26:48,119 --> 00:26:50,840
Speaker 1: and on the weekend. And think about it in your

546
00:26:50,880 --> 00:26:54,280
Speaker 1: in your mind's eye, think like a marketer, or think

547
00:26:54,359 --> 00:26:56,440
Speaker 1: like a person who wants to make money on gasoline.

548
00:26:56,720 --> 00:26:58,880
Speaker 1: So when you get to the end of the week,

549
00:26:59,160 --> 00:27:00,760
Speaker 1: what do you think about? What the heck you're going

550
00:27:00,800 --> 00:27:02,359
Speaker 1: to do on the weekend. Where are you gonna go?

551
00:27:02,440 --> 00:27:03,840
Speaker 1: Are you gonna do errands? Are you going to go

552
00:27:03,840 --> 00:27:06,199
Speaker 1: on a day trip? Are you going to you know,

553
00:27:06,240 --> 00:27:08,360
Speaker 1: grab your friends and go to the beach or go camping,

554
00:27:08,880 --> 00:27:12,000
Speaker 1: all those things. Take another tank of gas in your car,

555
00:27:12,440 --> 00:27:14,960
Speaker 1: maybe after you've been commuting all week. So if you

556
00:27:15,000 --> 00:27:19,440
Speaker 1: grab gas on Thursday, Friday, Saturday, they know that you're

557
00:27:19,440 --> 00:27:21,440
Speaker 1: trying to have some fun, and they're putting a little

558
00:27:21,440 --> 00:27:24,000
Speaker 1: bit of a premium on that gas because they know

559
00:27:24,080 --> 00:27:26,800
Speaker 1: there's more demand. It might just be a couple of cents,

560
00:27:27,160 --> 00:27:29,280
Speaker 1: but if you add that up gallon by gallon, that

561
00:27:29,320 --> 00:27:32,080
Speaker 1: could add up to you know, eventuable dollars that you

562
00:27:32,080 --> 00:27:34,600
Speaker 1: could be putting towards more fun things on your weekend

563
00:27:35,080 --> 00:27:38,040
Speaker 1: aside from filling your tank. Right, so, if you can

564
00:27:38,040 --> 00:27:40,520
Speaker 1: plan ahead a little bit, if you know you're, you know,

565
00:27:40,600 --> 00:27:42,760
Speaker 1: taking a road trip on the weekend, maybe top off

566
00:27:42,800 --> 00:27:46,040
Speaker 1: on Wednesday and then top off again on Monday when

567
00:27:46,040 --> 00:27:48,159
Speaker 1: you get back, you can sort of play the system

568
00:27:48,200 --> 00:27:51,199
Speaker 1: a little bit and save just small amounts then the

569
00:27:51,240 --> 00:27:53,479
Speaker 1: long run are going to add up to you know,

570
00:27:53,560 --> 00:27:56,320
Speaker 1: considerable savings for you, especially you know, the bigger gas

571
00:27:56,320 --> 00:27:58,200
Speaker 1: tank is the more you're going to save on this one.

572
00:27:58,480 --> 00:28:00,439
Speaker 1: All right, Least we got a few more sans to

573
00:28:00,440 --> 00:28:03,720
Speaker 1: get to about money hacks that can help people out,

574
00:28:04,160 --> 00:28:07,080
Speaker 1: including one about kind of an awkward side hustle. We'll

575
00:28:07,080 --> 00:28:18,800
Speaker 1: get to that and more right after this break. All right,

576
00:28:18,840 --> 00:28:21,479
Speaker 1: we're back from the break talking with Lisa Rowan about

577
00:28:21,760 --> 00:28:24,120
Speaker 1: just some practical money hacks, something that we can all

578
00:28:24,160 --> 00:28:27,680
Speaker 1: do to save a little bit more money. And uh, Lisa,

579
00:28:27,680 --> 00:28:30,200
Speaker 1: we're gonna round the interview out here, the conversation with

580
00:28:30,240 --> 00:28:32,160
Speaker 1: a bunch of just a bunch of kind of random hacks,

581
00:28:32,160 --> 00:28:36,159
Speaker 1: I feel like. But in Hack one forty you actually

582
00:28:36,160 --> 00:28:39,880
Speaker 1: talk about taking out loans. You are all about shorter

583
00:28:40,040 --> 00:28:42,120
Speaker 1: loan terms and we are as well. But the thing

584
00:28:42,160 --> 00:28:45,760
Speaker 1: is it's incredibly countercultural, right, you know, as loan terms

585
00:28:46,080 --> 00:28:49,480
Speaker 1: seem to be lengthening everywhere, especially for cars, and so

586
00:28:49,520 --> 00:28:52,640
Speaker 1: how should people weigh the different loan options that are

587
00:28:52,720 --> 00:28:56,520
Speaker 1: available to them. Yeah, the trouble is that, you know,

588
00:28:56,680 --> 00:28:58,600
Speaker 1: lenders want to give you longer and longer to pay

589
00:28:58,600 --> 00:29:00,840
Speaker 1: off a debt. But the longer take to pay it off,

590
00:29:00,840 --> 00:29:02,320
Speaker 1: the more you're going to pay an interest, and the

591
00:29:02,360 --> 00:29:05,080
Speaker 1: longer you're going to have that obligation hanging over your head.

592
00:29:05,520 --> 00:29:07,960
Speaker 1: So yeah, you could get a seven year car loan,

593
00:29:08,520 --> 00:29:10,760
Speaker 1: but maybe you've saved up a bunch of money for

594
00:29:10,800 --> 00:29:13,600
Speaker 1: a down payment, or maybe you know that your income

595
00:29:13,640 --> 00:29:16,480
Speaker 1: is super stable and you can do a three year

596
00:29:16,520 --> 00:29:18,640
Speaker 1: loan or a four year loan or a five year loan.

597
00:29:18,880 --> 00:29:21,000
Speaker 1: The five year loan used to be, you know, the longest,

598
00:29:21,000 --> 00:29:25,000
Speaker 1: and now it seems like the middle of the road. Yeah. Yeah,

599
00:29:25,120 --> 00:29:27,840
Speaker 1: And take a look at the difference in interest rates

600
00:29:27,920 --> 00:29:31,959
Speaker 1: because sometimes if you can cut down your payment timeline

601
00:29:32,080 --> 00:29:34,600
Speaker 1: by one year, you can save a couple of points

602
00:29:34,640 --> 00:29:37,600
Speaker 1: in interest or at least a few, you know, fractions

603
00:29:37,600 --> 00:29:39,720
Speaker 1: of a point, depending on what sort of you know,

604
00:29:39,960 --> 00:29:42,440
Speaker 1: rate environment that we're in. But that could add up

605
00:29:42,440 --> 00:29:45,320
Speaker 1: to big savings over time. So this is definitely a

606
00:29:45,320 --> 00:29:48,560
Speaker 1: tip for people who are well on top of their finances.

607
00:29:48,600 --> 00:29:50,720
Speaker 1: They are not worried about, you know, the day to

608
00:29:50,800 --> 00:29:52,640
Speaker 1: day if they're taking out a loan or taking out

609
00:29:52,640 --> 00:29:57,360
Speaker 1: a cardo. They are they're really able to spend strategically

610
00:29:57,440 --> 00:29:59,440
Speaker 1: and they're able to maybe spend a little more each

611
00:29:59,480 --> 00:30:02,160
Speaker 1: month to get out of that debt quicker. If you're

612
00:30:02,160 --> 00:30:06,000
Speaker 1: in that situation, Definitely look at a shorter loan term.

613
00:30:06,040 --> 00:30:08,840
Speaker 1: It sort of puts uh, it puts the pressure on

614
00:30:08,920 --> 00:30:11,280
Speaker 1: you to like keep up with it. You know, if

615
00:30:11,320 --> 00:30:15,080
Speaker 1: you know that you would accelerate your payments anyway and

616
00:30:15,160 --> 00:30:17,800
Speaker 1: just be paying more than the minimum, you know, maybe

617
00:30:18,240 --> 00:30:21,240
Speaker 1: it's worth looking at one of those shorter terms. Yeah,

618
00:30:21,400 --> 00:30:23,800
Speaker 1: I agree. I think we we too easily take the

619
00:30:24,000 --> 00:30:26,680
Speaker 1: longer term loan and then yeah, we are just we're

620
00:30:26,680 --> 00:30:29,760
Speaker 1: payment buyers and we're in debt far far longer than

621
00:30:29,840 --> 00:30:32,920
Speaker 1: we should be. Um. One, one more money hack you

622
00:30:32,960 --> 00:30:35,280
Speaker 1: mentioned is a way to make more money. It's a

623
00:30:35,320 --> 00:30:38,280
Speaker 1: side hustle that I'd never heard about before, renting yourself

624
00:30:38,280 --> 00:30:40,360
Speaker 1: out as a friend. I'm a pretty friendly dude. Does

625
00:30:40,400 --> 00:30:44,480
Speaker 1: this something I should consider? Well? You know, I will say,

626
00:30:44,760 --> 00:30:47,800
Speaker 1: renting a friend with something I recommended before a global pandemic.

627
00:30:48,240 --> 00:30:52,160
Speaker 1: But there will be in time again when you will

628
00:30:52,200 --> 00:30:55,360
Speaker 1: be willing to share, you know, in closed spaces with strangers.

629
00:30:55,600 --> 00:30:58,760
Speaker 1: But there is actually a service out there called rent

630
00:30:58,760 --> 00:31:02,280
Speaker 1: a friend dot com. It is completely platonic, and it's

631
00:31:02,320 --> 00:31:05,000
Speaker 1: designed for people who just maybe have an interest or

632
00:31:05,040 --> 00:31:07,440
Speaker 1: want to do something fun, but don't have anyone that

633
00:31:07,480 --> 00:31:09,800
Speaker 1: they can call on to do it. With. Maybe your

634
00:31:09,840 --> 00:31:11,400
Speaker 1: friends are in a different city or they don't have

635
00:31:11,480 --> 00:31:14,640
Speaker 1: the same interests, and you can you know, set up

636
00:31:14,680 --> 00:31:18,440
Speaker 1: basically a friend date with someone. Um It starts at

637
00:31:18,480 --> 00:31:20,960
Speaker 1: around twenty five an hour, So if you are willing

638
00:31:21,000 --> 00:31:23,640
Speaker 1: to rent out your time and be the friend, you

639
00:31:23,640 --> 00:31:27,040
Speaker 1: can make bucks an hour. Plus you are able to

640
00:31:27,080 --> 00:31:30,960
Speaker 1: take advantage of whatever like fun thing your person that

641
00:31:31,000 --> 00:31:33,479
Speaker 1: you get matched up with wants to do. It might

642
00:31:33,520 --> 00:31:35,600
Speaker 1: be a baseball game, and might be a museum. It

643
00:31:35,600 --> 00:31:37,600
Speaker 1: could be some sort of like awkward dinner with their

644
00:31:37,600 --> 00:31:39,560
Speaker 1: parents that they don't want to go to alone, and

645
00:31:39,920 --> 00:31:41,800
Speaker 1: you know, they're like, just pretend you're in my roommate

646
00:31:41,840 --> 00:31:45,000
Speaker 1: and you're like, cool, that's fine. And it seems strange

647
00:31:45,080 --> 00:31:46,960
Speaker 1: right to rent a friend, But think about it in

648
00:31:47,040 --> 00:31:52,080
Speaker 1: another way. Think about um, you know, Airbnb experiences. People

649
00:31:52,120 --> 00:31:54,000
Speaker 1: will sign up to take a tour with you through

650
00:31:54,040 --> 00:31:56,240
Speaker 1: your favorite chops in your neighborhood. Right, So it's sort

651
00:31:56,280 --> 00:31:58,840
Speaker 1: of like that, um it has you know, a more

652
00:31:58,880 --> 00:32:01,960
Speaker 1: straightforward may and so it seems a little odd to

653
00:32:02,040 --> 00:32:07,440
Speaker 1: be renting a friend like pay for friendship exactly. But

654
00:32:07,520 --> 00:32:09,280
Speaker 1: if you you know, just think of it as you know,

655
00:32:09,320 --> 00:32:12,160
Speaker 1: someone wants to pay you to you know, be a

656
00:32:12,200 --> 00:32:15,440
Speaker 1: great host to them, uh, you know, in a neighborhood

657
00:32:15,640 --> 00:32:17,880
Speaker 1: or to you know, try out something fun and you

658
00:32:17,920 --> 00:32:20,720
Speaker 1: could get paid to do that, and it's it's pretty cool.

659
00:32:20,800 --> 00:32:24,760
Speaker 1: I've never tried it, probably because I'm a little bit

660
00:32:24,760 --> 00:32:28,560
Speaker 1: of an introvert. I'm extrovert all the way. If I

661
00:32:28,560 --> 00:32:31,000
Speaker 1: didn't have anything else going on, I might I might

662
00:32:31,040 --> 00:32:33,760
Speaker 1: do this. Yeah, if I, you know, maybe lived in

663
00:32:33,800 --> 00:32:35,400
Speaker 1: a city where I didn't know a lot of people,

664
00:32:35,560 --> 00:32:38,120
Speaker 1: this would probably be a really fun way to meet

665
00:32:38,120 --> 00:32:40,560
Speaker 1: people and try out new things and make some money

666
00:32:40,600 --> 00:32:43,360
Speaker 1: off the same time at the same time. So on

667
00:32:43,400 --> 00:32:45,480
Speaker 1: the like the social note, I guess you also talk

668
00:32:45,520 --> 00:32:48,600
Speaker 1: about finding a mentor as like a way to help

669
00:32:48,640 --> 00:32:50,080
Speaker 1: you in your career. You know, you're not paying for

670
00:32:50,120 --> 00:32:52,920
Speaker 1: a friend necessarily, but you're paying for somebody, uh maybe

671
00:32:52,960 --> 00:32:55,440
Speaker 1: who can help you along. Can you make a case

672
00:32:55,480 --> 00:32:58,040
Speaker 1: as to why mentors are a good idea for a

673
00:32:58,080 --> 00:33:01,280
Speaker 1: lot of folks. Here's a money hack that doesn't sound

674
00:33:01,280 --> 00:33:03,600
Speaker 1: like a money hack, but really it has. It can

675
00:33:03,640 --> 00:33:06,840
Speaker 1: have some long term effects. So we're always told when

676
00:33:06,840 --> 00:33:08,960
Speaker 1: we're in high school or college that we should find

677
00:33:09,000 --> 00:33:11,560
Speaker 1: mentors who can guide us in our careers. There's someone

678
00:33:11,600 --> 00:33:14,240
Speaker 1: who's a sounding board and a cheerleader and someone who's

679
00:33:14,240 --> 00:33:16,240
Speaker 1: going to be there for us to you know, support

680
00:33:16,320 --> 00:33:18,480
Speaker 1: us through our careers. And one of the ways that

681
00:33:18,520 --> 00:33:21,600
Speaker 1: they can support us is by helping us advocate for

682
00:33:21,640 --> 00:33:26,120
Speaker 1: a raise, helping us practice negotiating when we're in job

683
00:33:26,160 --> 00:33:29,320
Speaker 1: interviews to be able to get a higher salary. Having

684
00:33:29,360 --> 00:33:32,040
Speaker 1: someone in your corner that reminds you of your self

685
00:33:32,160 --> 00:33:35,760
Speaker 1: worth and of your expertise and of your skills can

686
00:33:35,800 --> 00:33:38,000
Speaker 1: really help you get that boost of confidence when it's

687
00:33:38,040 --> 00:33:41,040
Speaker 1: time to stand up for yourself and negotiate. So it's

688
00:33:41,080 --> 00:33:43,840
Speaker 1: one of those things that's hard to put price tag on, uh,

689
00:33:43,880 --> 00:33:46,720
Speaker 1: And it's it's you know, some people get luckier than others.

690
00:33:46,760 --> 00:33:49,920
Speaker 1: They just find a great mentor out there. Other people

691
00:33:49,960 --> 00:33:53,040
Speaker 1: need to go through a matching program or maybe an

692
00:33:53,080 --> 00:33:56,880
Speaker 1: alumni network to find someone that's really a great supportive

693
00:33:56,920 --> 00:33:59,200
Speaker 1: mentor for them. But it's something that can have a

694
00:33:59,240 --> 00:34:01,680
Speaker 1: long term impact. Don't how much you're able to make

695
00:34:01,920 --> 00:34:05,480
Speaker 1: over the course of your career. Nice, Well, hey, we

696
00:34:05,480 --> 00:34:08,600
Speaker 1: we just passed New Year's Day recently. A lot of

697
00:34:08,600 --> 00:34:11,440
Speaker 1: people made New Year's resolutions, but a lot of us

698
00:34:11,440 --> 00:34:14,040
Speaker 1: slackers didn't really get around to it right. But that's

699
00:34:14,080 --> 00:34:16,479
Speaker 1: okay because in your book you suggest that people should

700
00:34:16,520 --> 00:34:18,600
Speaker 1: do this on their birthday and said so they shouldn't

701
00:34:18,600 --> 00:34:22,160
Speaker 1: feel bad, they should just know that they it was

702
00:34:22,200 --> 00:34:24,399
Speaker 1: the wrong time to do it right. So, but why,

703
00:34:24,480 --> 00:34:27,200
Speaker 1: in your opinion, is it more important to make resolutions

704
00:34:27,719 --> 00:34:31,319
Speaker 1: on your birthday as opposed to when the new year hits. Yeah,

705
00:34:31,360 --> 00:34:33,799
Speaker 1: I think it's more exciting to have a date that's

706
00:34:33,880 --> 00:34:36,799
Speaker 1: meaningful for you. We all got to January one, and

707
00:34:36,840 --> 00:34:38,799
Speaker 1: we feel like it's you know, we've got to make

708
00:34:38,800 --> 00:34:40,640
Speaker 1: a change because everyone else is doing it. It's a

709
00:34:40,680 --> 00:34:43,919
Speaker 1: new fresh year. But it's a terrible time to make

710
00:34:44,080 --> 00:34:46,759
Speaker 1: money changes. You're just coming off the holiday season, which

711
00:34:46,800 --> 00:34:51,200
Speaker 1: is just very expensive. It's the dead of winter. Nobody,

712
00:34:51,239 --> 00:34:54,520
Speaker 1: nobody wants to make changes then. So if you can

713
00:34:54,520 --> 00:34:58,120
Speaker 1: tie financial resolutions to a day that's a little more

714
00:34:58,160 --> 00:35:00,920
Speaker 1: fun for you, like your birthday, the odds of you

715
00:35:01,080 --> 00:35:03,839
Speaker 1: sticking with it go up a little bit. It's still

716
00:35:03,840 --> 00:35:06,200
Speaker 1: gonna take hard work, but you're gonna tie it to

717
00:35:06,400 --> 00:35:09,680
Speaker 1: this time of like actual rebirth for you, not just

718
00:35:09,719 --> 00:35:11,960
Speaker 1: turning the calendar page. But you're hitting a new year

719
00:35:12,000 --> 00:35:14,560
Speaker 1: in your life, a new milestone. You're blowing out those

720
00:35:14,600 --> 00:35:16,919
Speaker 1: candles and you can say to yourself, Hey, I've got

721
00:35:16,920 --> 00:35:18,719
Speaker 1: goals and I'm going to make changes so that i

722
00:35:18,719 --> 00:35:22,680
Speaker 1: can get to them before my next birthday. So this

723
00:35:23,000 --> 00:35:25,000
Speaker 1: the caveat here is that if you have an early

724
00:35:25,000 --> 00:35:30,840
Speaker 1: December birthday like me, this doesn't really help that much. Ray,

725
00:35:30,880 --> 00:35:33,960
Speaker 1: if you're December January baby, I'm sorry. You should just

726
00:35:34,040 --> 00:35:36,600
Speaker 1: probably stay to January first out of simplicity. But for

727
00:35:36,680 --> 00:35:39,359
Speaker 1: everybody else, for the other ten months of the year,

728
00:35:39,480 --> 00:35:42,759
Speaker 1: you should think about your birthday. Yeah. I love how

729
00:35:42,840 --> 00:35:45,080
Speaker 1: much more personalized it is too, And plus, I mean

730
00:35:45,080 --> 00:35:50,279
Speaker 1: the gyms are likely to be less crowded to new resolution.

731
00:35:51,040 --> 00:35:52,600
Speaker 1: At least we've got one more question here. Let's end

732
00:35:52,600 --> 00:35:55,240
Speaker 1: on maybe a more sort of adulting kind of notes.

733
00:35:55,680 --> 00:35:57,360
Speaker 1: One of the hack you mentioned that I thought was

734
00:35:57,400 --> 00:36:01,080
Speaker 1: incredibly useful is you talk about doctor menting your possessions

735
00:36:01,480 --> 00:36:05,600
Speaker 1: in case you need to file UH homeowners or wrinner's

736
00:36:05,640 --> 00:36:07,600
Speaker 1: insurance claim. And so, how do you feel is the

737
00:36:07,640 --> 00:36:10,680
Speaker 1: best way for people to do that? It all depends

738
00:36:10,719 --> 00:36:13,600
Speaker 1: on how you are going to stay organized, right, which

739
00:36:13,600 --> 00:36:15,560
Speaker 1: is the answer nobody wants because they're like, well, how

740
00:36:15,600 --> 00:36:18,640
Speaker 1: do I stay organized. Do I stay organized? But the

741
00:36:18,680 --> 00:36:21,720
Speaker 1: most important thing is that you have as much evidence

742
00:36:21,719 --> 00:36:24,520
Speaker 1: as possible if you need to make a claim for

743
00:36:24,640 --> 00:36:27,319
Speaker 1: your homeowner's insurance. And think about it, like if if

744
00:36:27,360 --> 00:36:30,520
Speaker 1: you you know, had your house broken into or your

745
00:36:30,520 --> 00:36:33,200
Speaker 1: car broken into, that's the last time you want to

746
00:36:33,200 --> 00:36:36,200
Speaker 1: spend scrambling around trying to find the model number from

747
00:36:36,200 --> 00:36:39,879
Speaker 1: your computer or the serial number from your whatever has

748
00:36:39,880 --> 00:36:43,160
Speaker 1: a serial number? Does my blender a serial number? But

749
00:36:43,200 --> 00:36:45,640
Speaker 1: you don't want to be scrambling around wondering like, oh,

750
00:36:45,680 --> 00:36:48,240
Speaker 1: like what was that thing and how much was it worth?

751
00:36:48,560 --> 00:36:51,640
Speaker 1: So I'm a big advocate of keeping receipts for big purchases,

752
00:36:52,040 --> 00:36:54,319
Speaker 1: scanning them or taking a picture on your phone so

753
00:36:54,360 --> 00:36:57,000
Speaker 1: you have a digital copy, and then in some cases

754
00:36:57,040 --> 00:37:00,239
Speaker 1: taking pictures of items. Uh it might be you know,

755
00:37:00,280 --> 00:37:02,120
Speaker 1: if you have a laptop that has a bunch of

756
00:37:02,160 --> 00:37:05,400
Speaker 1: stickers on it, take pictures so that if your laptop

757
00:37:05,440 --> 00:37:08,960
Speaker 1: gets stolen, it's easier to identify. It's also then easier

758
00:37:09,640 --> 00:37:12,760
Speaker 1: if you have photos of items for the insurance company

759
00:37:12,760 --> 00:37:15,480
Speaker 1: to determine how much cash you should get to be

760
00:37:15,560 --> 00:37:18,920
Speaker 1: able to replace that item. So if you've got you know,

761
00:37:19,000 --> 00:37:24,800
Speaker 1: expensive jewelry, some homewars. If you've got some expensive shoes

762
00:37:24,920 --> 00:37:28,000
Speaker 1: like me, that you want to get the value for,

763
00:37:28,480 --> 00:37:29,680
Speaker 1: you know, you need to be able to know what

764
00:37:29,800 --> 00:37:32,439
Speaker 1: the value is. And don't wait until the last minute

765
00:37:32,520 --> 00:37:35,239
Speaker 1: or until there's an emergency to wonder what was in

766
00:37:35,320 --> 00:37:37,560
Speaker 1: your home. If you can make a log, you know,

767
00:37:37,880 --> 00:37:39,759
Speaker 1: don't worry about the little stuff as much as the

768
00:37:39,840 --> 00:37:42,960
Speaker 1: big stuff, and just think of those big purchases that

769
00:37:43,120 --> 00:37:46,080
Speaker 1: you would be upset about if something happened today, and

770
00:37:46,320 --> 00:37:48,920
Speaker 1: do what you can to chronicle those items so that

771
00:37:48,960 --> 00:37:52,400
Speaker 1: if the worst case scenario happens, you can easily grab

772
00:37:52,440 --> 00:37:55,880
Speaker 1: a digital copy of your seat or some photos, or

773
00:37:55,920 --> 00:37:57,640
Speaker 1: you know, you just have them stashed away in an

774
00:37:57,719 --> 00:38:01,319
Speaker 1: envelope somewhere so that you can easily grab them. That

775
00:38:01,560 --> 00:38:04,040
Speaker 1: is a great tip and probably one that a lot

776
00:38:04,120 --> 00:38:06,640
Speaker 1: of our listeners haven't done. It reminded me that it

777
00:38:06,719 --> 00:38:08,360
Speaker 1: was something I need to do to document all the

778
00:38:08,360 --> 00:38:12,040
Speaker 1: possessions in my house through a walkthrough video. So I'm

779
00:38:12,080 --> 00:38:13,759
Speaker 1: putting that on my to do list. Lisa, thank you

780
00:38:13,760 --> 00:38:16,720
Speaker 1: for the reminder. Um And yeah, I love the book

781
00:38:16,800 --> 00:38:19,560
Speaker 1: Money Hacks. There's so much good information in there. Uh,

782
00:38:19,719 --> 00:38:21,359
Speaker 1: so many money hacks that we weren't able to cover

783
00:38:21,400 --> 00:38:24,080
Speaker 1: in this conversation. Where can people find out more about

784
00:38:24,120 --> 00:38:27,600
Speaker 1: you and the book? Yeah, you can find Money Hacks

785
00:38:27,600 --> 00:38:29,960
Speaker 1: wherever books are sold. You can find more about me,

786
00:38:30,000 --> 00:38:31,520
Speaker 1: and you can find a link to buy the book

787
00:38:31,760 --> 00:38:34,520
Speaker 1: at Lisa Rowan dot com. And just remember that, you know,

788
00:38:34,680 --> 00:38:36,800
Speaker 1: there's a lot of hacks in here, and not every

789
00:38:36,840 --> 00:38:38,600
Speaker 1: one of them is going to apply to you, but

790
00:38:38,960 --> 00:38:41,200
Speaker 1: I'm pretty sure you'll be able to find a handful

791
00:38:41,239 --> 00:38:43,319
Speaker 1: that you can implement in your life and make some

792
00:38:43,560 --> 00:38:46,920
Speaker 1: lasting changes. Most definitely, Well awesome, Lisa, This is a

793
00:38:47,040 --> 00:38:50,600
Speaker 1: fun conversation. Thank you so much for talking with us today. Hey,

794
00:38:50,640 --> 00:38:52,759
Speaker 1: thanks for having me all right, Matt, that was a

795
00:38:52,840 --> 00:38:56,759
Speaker 1: great conversation with Lisa. I love the idea behind money hacks.

796
00:38:56,760 --> 00:38:58,680
Speaker 1: Hack is such like a common term that we use

797
00:38:58,719 --> 00:39:02,319
Speaker 1: now in our society in articles on the internet. Hack

798
00:39:02,520 --> 00:39:05,439
Speaker 1: is like the frequent word um. I feel like word

799
00:39:05,480 --> 00:39:08,040
Speaker 1: toys when it comes to shaking something up in your life. Um.

800
00:39:08,080 --> 00:39:10,200
Speaker 1: And and Lease offers just a lot of great tips

801
00:39:10,280 --> 00:39:11,960
Speaker 1: really when it comes down to it in this book.

802
00:39:12,120 --> 00:39:13,600
Speaker 1: So I was glad we were able to cover some

803
00:39:13,840 --> 00:39:17,880
Speaker 1: but I want to know ak a sneaky, actionable tip exactly.

804
00:39:17,880 --> 00:39:20,560
Speaker 1: That must be the definition of it, right right. So

805
00:39:20,600 --> 00:39:24,120
Speaker 1: what was your big takeaway, your big hack from this episode? Yeah, yes,

806
00:39:24,200 --> 00:39:25,759
Speaker 1: well so yeah, my big takeaway is when she was

807
00:39:25,760 --> 00:39:27,960
Speaker 1: talking about the Stranger test. I love the Stranger test

808
00:39:28,040 --> 00:39:30,400
Speaker 1: Man and so quick recap. Basically, if you're ever in

809
00:39:30,400 --> 00:39:33,240
Speaker 1: a store or your online even chopping online, picture somebody

810
00:39:33,440 --> 00:39:35,960
Speaker 1: standing right there, uh, and they're holding up the amount

811
00:39:36,000 --> 00:39:37,880
Speaker 1: of cash that is gonna cost you to purchase that

812
00:39:37,960 --> 00:39:40,200
Speaker 1: item or the item, and you've got to choose one

813
00:39:40,200 --> 00:39:41,680
Speaker 1: of the two, like which one is it gonna be?

814
00:39:42,120 --> 00:39:44,080
Speaker 1: And to put it in terms like that to help

815
00:39:44,080 --> 00:39:45,920
Speaker 1: you to visualize, like, oh, wait a minute, is that

816
00:39:46,000 --> 00:39:48,520
Speaker 1: really worth all that money? You know, it's like, okay,

817
00:39:48,520 --> 00:39:50,640
Speaker 1: I'm about to drop forty bucks on a couple of pizzas?

818
00:39:51,040 --> 00:39:53,000
Speaker 1: Is that actually worth like those couple of pizzas? And

819
00:39:53,040 --> 00:39:55,839
Speaker 1: in some cases you might say, yeah, those pizzas are

820
00:39:55,880 --> 00:39:58,239
Speaker 1: really good, or you might think am I am I

821
00:39:58,280 --> 00:40:00,520
Speaker 1: just doing this like at a convenience or or maybe

822
00:40:00,520 --> 00:40:02,960
Speaker 1: just had a habit, you know, whether it's food or

823
00:40:03,040 --> 00:40:04,719
Speaker 1: whether it's like clothing, like do I really want the

824
00:40:04,719 --> 00:40:07,200
Speaker 1: shirt for twenty bucks? Or that's how much my shirts cost?

825
00:40:07,239 --> 00:40:10,160
Speaker 1: Their cheap. Um, is that going to provide me the

826
00:40:10,239 --> 00:40:12,319
Speaker 1: utility or the warmth here in the winter with it

827
00:40:12,360 --> 00:40:14,920
Speaker 1: being cold, or would rather take that twenty and put

828
00:40:14,920 --> 00:40:16,960
Speaker 1: in my wallet. I'm a fan anytime you're able to

829
00:40:16,960 --> 00:40:20,399
Speaker 1: bring these alternative options into these sort of scenarios where

830
00:40:20,440 --> 00:40:22,640
Speaker 1: you feel like you have to do something and instead

831
00:40:22,680 --> 00:40:25,960
Speaker 1: if you ask yourself, well, what if instead I did this? Um,

832
00:40:26,040 --> 00:40:28,160
Speaker 1: it's just a way to you know, optimize your spending

833
00:40:28,160 --> 00:40:29,560
Speaker 1: and make sure that you're spending your money in a

834
00:40:29,600 --> 00:40:31,800
Speaker 1: way that aligns with your values and the things that

835
00:40:31,840 --> 00:40:34,600
Speaker 1: actually bring you joy. Until Lisa's book Money Hacks, I've

836
00:40:34,600 --> 00:40:36,120
Speaker 1: never thought about it that way, but I know that's

837
00:40:36,120 --> 00:40:38,160
Speaker 1: something I'm totally gonna be referring to in the future

838
00:40:38,160 --> 00:40:40,120
Speaker 1: when it comes to my own expenses. I'm gonna be

839
00:40:40,160 --> 00:40:42,279
Speaker 1: visualizing a stranger trying to hand me cash and I'm

840
00:40:42,280 --> 00:40:45,080
Speaker 1: probably gonna, you know, not buy the item now because

841
00:40:45,280 --> 00:40:46,719
Speaker 1: because of it. I think that's I think that's a

842
00:40:46,719 --> 00:40:48,920
Speaker 1: great one for sure, or or you'll say, oh no,

843
00:40:49,040 --> 00:40:51,760
Speaker 1: I totally need that thing. It's it's completely worth the money,

844
00:40:51,800 --> 00:40:53,640
Speaker 1: you know. Like, I just love how it reframes that

845
00:40:53,680 --> 00:40:56,399
Speaker 1: interaction completely. Yeah, So I think my big take away.

846
00:40:56,440 --> 00:40:58,880
Speaker 1: What was your big takeaway? I think rent yourself out

847
00:40:58,920 --> 00:41:01,040
Speaker 1: as a friend man um and I don't know if

848
00:41:01,040 --> 00:41:03,200
Speaker 1: you can virtually do it these days. If you can,

849
00:41:03,400 --> 00:41:05,680
Speaker 1: I might have to do that. My wife might not

850
00:41:05,719 --> 00:41:08,320
Speaker 1: be down with it. But I love meeting new people.

851
00:41:08,400 --> 00:41:10,520
Speaker 1: Like honestly, part of me is thought I would love

852
00:41:10,600 --> 00:41:12,359
Speaker 1: to become a lift or an uber driver just because

853
00:41:12,360 --> 00:41:14,319
Speaker 1: all the people used to be chat with folks. Yeah,

854
00:41:14,360 --> 00:41:15,759
Speaker 1: it's kind of it's kind of fun, like I like

855
00:41:15,880 --> 00:41:18,960
Speaker 1: writing in them when I'm the passenger because I like

856
00:41:19,000 --> 00:41:21,040
Speaker 1: make a new friend every time kind of And that

857
00:41:21,120 --> 00:41:24,800
Speaker 1: might sound weird, but I'm that interested in meeting new people.

858
00:41:25,160 --> 00:41:27,880
Speaker 1: And so yeah, if this was my younger days, if

859
00:41:27,880 --> 00:41:31,240
Speaker 1: this existed, but always in my early twenties, it's totally

860
00:41:31,280 --> 00:41:34,320
Speaker 1: something I done. Run up Joel's alley. Yeah, No, I

861
00:41:34,360 --> 00:41:35,799
Speaker 1: got a wife and three kids though, so I just

862
00:41:35,800 --> 00:41:38,640
Speaker 1: don't really have the time to prefriend strangers. I'd rather

863
00:41:38,680 --> 00:41:40,920
Speaker 1: do the stranger test, I guess. So we were just

864
00:41:40,920 --> 00:41:43,560
Speaker 1: talking about both of us have to do a stranger Well,

865
00:41:43,600 --> 00:41:44,920
Speaker 1: I've told you, I mean back when we're doing the

866
00:41:44,960 --> 00:41:46,759
Speaker 1: Airbnb down here in the basement, Like that was the

867
00:41:46,800 --> 00:41:48,560
Speaker 1: thing that I enjoyed the most was being able to

868
00:41:48,560 --> 00:41:50,560
Speaker 1: talk to the you know, our guests and figure out

869
00:41:50,560 --> 00:41:52,400
Speaker 1: why they're in town, how long they're in town. I mean, well,

870
00:41:52,400 --> 00:41:54,320
Speaker 1: I knew how long they're in town four because the reservation,

871
00:41:54,360 --> 00:41:56,920
Speaker 1: but o're here three nights, I see. But to be

872
00:41:56,920 --> 00:41:58,680
Speaker 1: able to talk about where they're from, you know, what

873
00:41:58,719 --> 00:42:00,880
Speaker 1: they've been doing, dude, I love that aspect of it.

874
00:42:00,920 --> 00:42:03,320
Speaker 1: And I'm not even extrovert, you know, like there's a

875
00:42:03,320 --> 00:42:05,000
Speaker 1: part of me that just doesn't want to talk to evil.

876
00:42:05,000 --> 00:42:07,680
Speaker 1: But I still enjoyed, I don't know, playing host to folks.

877
00:42:07,960 --> 00:42:09,960
Speaker 1: But yeah, but here's my question for you. What if

878
00:42:10,000 --> 00:42:11,759
Speaker 1: you are, you know, doing ren a friend and folks

879
00:42:11,800 --> 00:42:14,960
Speaker 1: are asking for their money back? Like, how does that work? Honestly,

880
00:42:15,040 --> 00:42:16,359
Speaker 1: if I was doing it, they might be they might

881
00:42:16,400 --> 00:42:18,040
Speaker 1: be like, you talk too much, get out of here.

882
00:42:18,560 --> 00:42:22,319
Speaker 1: I want you to be a better listener. Uh, you're

883
00:42:22,320 --> 00:42:24,319
Speaker 1: a good listener, buddy. I don't know. Sometimes you know,

884
00:42:24,440 --> 00:42:27,680
Speaker 1: sometimes I'm not, and that's that's the case. But yeah,

885
00:42:27,719 --> 00:42:29,160
Speaker 1: I love that as a tip. I love just kind

886
00:42:29,160 --> 00:42:31,880
Speaker 1: of outside of the box ways to make money. And

887
00:42:32,000 --> 00:42:34,520
Speaker 1: you know, if you can make an hour, that's real money,

888
00:42:34,560 --> 00:42:37,359
Speaker 1: that's not pidally money that's legit money and maybe leg

889
00:42:37,560 --> 00:42:39,560
Speaker 1: cool experience at the same time. All right, now, let's

890
00:42:39,600 --> 00:42:41,480
Speaker 1: get back to the beer that we had on this episode.

891
00:42:41,480 --> 00:42:45,640
Speaker 1: This one was called condensation accumulation. Um two big words

892
00:42:45,719 --> 00:42:48,880
Speaker 1: right there to describe this beer. What were your thoughts

893
00:42:48,880 --> 00:42:50,760
Speaker 1: on this I p A. We are two smart guys.

894
00:42:50,800 --> 00:42:52,640
Speaker 1: We know how to say these words. We know big words.

895
00:42:52,760 --> 00:42:55,920
Speaker 1: Uh well, obviously it makes me think of condensation accumulation,

896
00:42:55,960 --> 00:42:58,400
Speaker 1: makes me think of snow accumulating outside during some of

897
00:42:58,400 --> 00:43:00,720
Speaker 1: these colder days that we're having here in January, buddy.

898
00:43:00,719 --> 00:43:02,320
Speaker 1: But I don't know how else to describe this except

899
00:43:02,360 --> 00:43:04,200
Speaker 1: that it is a really good hazy I p A.

900
00:43:04,320 --> 00:43:06,520
Speaker 1: It has all the qualities that I'm looking for in

901
00:43:06,560 --> 00:43:09,040
Speaker 1: a hazy I p A. Starting with that hazy color

902
00:43:09,120 --> 00:43:10,640
Speaker 1: you know you poured in there, and it's got that

903
00:43:10,760 --> 00:43:13,960
Speaker 1: nice cloudy look to it, a little yellow, little orange. Yeah. Yeah. Well,

904
00:43:14,000 --> 00:43:16,360
Speaker 1: and in particular to this one, wasn't overly dark, like

905
00:43:16,400 --> 00:43:17,799
Speaker 1: That's one of the things I liked about it. I

906
00:43:17,800 --> 00:43:19,560
Speaker 1: feel like a lot more breweries these days are making

907
00:43:19,560 --> 00:43:21,680
Speaker 1: their I p A s kind of like blonder, you know,

908
00:43:21,719 --> 00:43:24,480
Speaker 1: like like more pale, which I don't know I feel

909
00:43:24,520 --> 00:43:26,040
Speaker 1: like that adds something to the flavor. At least it

910
00:43:26,040 --> 00:43:28,160
Speaker 1: does in my mind because I see it and I think, oh,

911
00:43:28,200 --> 00:43:29,719
Speaker 1: this is gonna taste a certain way. But yeah, I

912
00:43:29,760 --> 00:43:32,000
Speaker 1: really enjoyed this one. Uh. You we mentioned these guys

913
00:43:32,000 --> 00:43:34,080
Speaker 1: are out of Charlotte, North Carolina, and this is actually

914
00:43:34,120 --> 00:43:36,319
Speaker 1: the first of several beers that we're gonna have from

915
00:43:36,360 --> 00:43:38,799
Speaker 1: Heist Brewery. But yeah, what were your thoughts on this beer? Yeah,

916
00:43:38,840 --> 00:43:42,680
Speaker 1: I mean connotation, accumulation. I thought of clouds, and what

917
00:43:42,800 --> 00:43:44,440
Speaker 1: I thought of the most about this beer was the

918
00:43:44,480 --> 00:43:47,400
Speaker 1: mouth field. The pillowy cloud like mouth field. It was

919
00:43:47,440 --> 00:43:50,920
Speaker 1: like soft and luscious and and delicious. So yeah, I

920
00:43:50,960 --> 00:43:53,120
Speaker 1: enjoyed a beer that has that kind of mouth field

921
00:43:53,120 --> 00:43:55,719
Speaker 1: with just like also a ton of hot flavor. So yeah,

922
00:43:55,840 --> 00:43:58,120
Speaker 1: definitely looking forward to having more from this brewery in

923
00:43:58,160 --> 00:44:00,520
Speaker 1: the coming days. Um, but that's going to do it

924
00:44:00,560 --> 00:44:03,279
Speaker 1: for this episode. For folks that want to find out

925
00:44:03,320 --> 00:44:06,080
Speaker 1: more about Lesha's book, Money Hacks, where you can get

926
00:44:06,120 --> 00:44:07,840
Speaker 1: it and also some links to some of the stuff

927
00:44:07,840 --> 00:44:09,879
Speaker 1: we talked about during this conversation, just go to our

928
00:44:09,880 --> 00:44:12,000
Speaker 1: website how to money dot com. We'll make sure to

929
00:44:12,040 --> 00:44:14,439
Speaker 1: include the link as well to where you can find

930
00:44:14,480 --> 00:44:17,759
Speaker 1: missing money that might be owed to you. Yeah, yeah,

931
00:44:17,800 --> 00:44:19,520
Speaker 1: for sure. And I know we've talked about that in

932
00:44:19,520 --> 00:44:21,360
Speaker 1: the past and we've had emails from listeners like I

933
00:44:21,440 --> 00:44:24,560
Speaker 1: found hundreds of dollars. If you haven't done that check,

934
00:44:24,640 --> 00:44:26,759
Speaker 1: it takes almost no time and you can bring some

935
00:44:26,800 --> 00:44:28,080
Speaker 1: money into your life that you didn't know it was

936
00:44:28,080 --> 00:44:30,160
Speaker 1: out there. That's right. And if you haven't left us

937
00:44:30,160 --> 00:44:33,160
Speaker 1: a review yet and you've found our show helpful, we

938
00:44:33,200 --> 00:44:34,680
Speaker 1: would love it if you did leave us a review

939
00:44:34,680 --> 00:44:37,560
Speaker 1: over at Apple Podcasts. Maybe that nice five star rating

940
00:44:37,600 --> 00:44:40,400
Speaker 1: as well. Uh and thanks in advanced for that. So Joel,

941
00:44:40,520 --> 00:44:42,640
Speaker 1: that's gonna be a buddy for this episode until next time.

942
00:44:42,800 --> 00:44:44,520
Speaker 1: Best Friends Out, Best Friends Out.