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Speaker 1: Welcome to How the Money. I'm Joel, I'm not Today

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Speaker 1: we're talking tariff turmoil, winning so much and border hopping

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Speaker 1: for bargains. You know, buddy, this is our Friday flight.

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Speaker 1: We hope everyone has had a wonderful week so.

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Speaker 2: Far, and we are in fact going to get to

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Speaker 2: the top headlines the personal finance news that you can use.

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Speaker 1: Charlie Sheen is the patron saint of this episode. Winning

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Speaker 1: when that is thing, winning.

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Speaker 2: So hard, when they're like Tiger Tiger's milker.

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Speaker 1: He did a lot of crazy stuff in his day,

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Speaker 1: as detailed in his memoir that you can read. Okay,

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Speaker 1: real quick, Matt and I will not belabor the point,

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Speaker 1: but the We've got a lot of emails about and

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Speaker 1: comments in the Facebook group about my unwillingness or distaste

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Speaker 1: for paying Apple for storage space right for photos essentially.

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Speaker 1: And somebody wrote into to us and one of their

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Speaker 1: suggestions was like, wait a second, you have Amazon Prime.

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Speaker 1: Amazon Prime has free photo storage.

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Speaker 2: Dude, And I was like, oh, oh, who knew that? Yeah,

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Speaker 2: that's right. I totally I totally forgot. That was totally

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Speaker 2: off my radar. You know, you know why we don't

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Speaker 2: know that is because the Amazon Prime ecosystem is so

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Speaker 2: complicated and there are so many different options that's not streamlined,

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Speaker 2: it's not intuitive, and so it doesn't surprise me. There's

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Speaker 2: probably a whole host of features, features that we have

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Speaker 2: available to us that we're not taking advantage of it

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Speaker 2: because I haven't clicked onto that secondary nay Tertiary's sub menu,

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Speaker 2: dropped down hine option that's available. It is.

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Speaker 1: It's one of those things I work because I think

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Speaker 1: you said you spend ten bucks a month on storage

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Speaker 1: right with with with Apple, And I was like, oh, man,

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Speaker 1: ten bucks, that's one hundred twenty bucks a year. That's

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Speaker 1: like not too far off the price of literally just Prime.

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Speaker 1: And I talked about maybe just maybe ditching Prime.

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Speaker 2: Do I want to?

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Speaker 1: Will I with this added perk and taking advantage of

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Speaker 1: it, It seems like that makes Prime feel like it's even

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Speaker 1: more Do you know worth the expense?

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Speaker 2: Right? Do you know the details of the photostors as

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Speaker 2: the quantity onlimited photos? Okay, only up to ten gigs

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Speaker 2: worth of video, so photos just got go to my

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Speaker 2: heart's content videos though there's a limit. Yeah, do you

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Speaker 2: know how many videos you have? Do you take it

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Speaker 2: a whole lot of bit I uploaded all my stuff

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Speaker 2: to eat it. Oh yeah, oh yeah, I took advantage

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Speaker 2: and it had a little gauge to tell you how

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Speaker 2: much space you had left.

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Speaker 1: At one point it was like, say, you can't upload

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Speaker 1: any more videos, so definitely have more than ten gigs

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Speaker 1: or the videos. So I I don't know what I'm

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Speaker 1: gonna do about that. Maybe I going and delete something

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Speaker 1: that I don't care about, go to the video. Yeah,

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Speaker 1: but at least at least all the photos you upload

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Speaker 1: those videos.

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Speaker 2: To snapfish or whatever it was that you were looking at.

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Speaker 2: Maybe that's a good point.

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Speaker 1: Yeah, So maybe I can like patch work this together

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Speaker 1: and uh and save money. And Aaron, by the way,

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Speaker 1: email about that, And got another email from listener Shannon

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Speaker 1: who is trying something called pea Cloud. And I just

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Speaker 1: want to mention this because I love this sort of model.

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Speaker 1: It's you pay once and you get it for life.

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Speaker 1: You pay more, a lot more, because it's like four

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Speaker 1: hundred dollars for two hundred gigs for life or something

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Speaker 1: like that. The only potential downside is what if pea

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Speaker 1: cloud fails? Right, And this is the case for a

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Speaker 1: lot of service for life companies. You're like, oh great,

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Speaker 1: I never have to pay for this again, right, and

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Speaker 1: I love that idea. But if the company fails, you're

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Speaker 1: got a lot of money. Sorry, out of luck, but

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Speaker 1: at least I've got a decent solution for now.

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Speaker 2: Well then on top of that, too, less likely that

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Speaker 2: you have to run out and pick something up because

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Speaker 2: you can order something on Prime and have it show

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Speaker 2: up later in the afternoon. Press dude, let's talk about

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Speaker 2: the Supreme Court ruling. This is one that came out

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Speaker 2: actually last Friday, after we had published our Friday Flight.

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Speaker 2: But in a six' to three, ruling The Supreme court

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Speaker 2: said that the president's tariff policy is. Unconstitutional and why

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Speaker 2: they said that was the, case it's pretty. Crucial so

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Speaker 2: the president can't use the i e. E. P a

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Speaker 2: to justify. Tariffs, essentially the dealing out and the reeling

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Speaker 2: in of terrorists from a single individual exceeds the power

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Speaker 2: of the executive. Office so you might be, thinking, all, right,

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Speaker 2: well who? Terrorists they are no more all thanks to

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Speaker 2: The Supreme. Court right quite. Yeah he immediately was, like, uh,

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Speaker 2: Nope we're gonna do terroists this way. Now so he's

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Speaker 2: sticking to his guns and by.

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Speaker 1: The way you CUT I E E P a iepah

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Speaker 1: is what people call IT, aipa The International Emergency Economic Powers.

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Speaker 2: Act yeah, yeah in case you're like a nerd and

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Speaker 2: you want to, KNOW i want to dive into the.

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Speaker 2: Policy but he's essentially justifying the tariffs now by other

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Speaker 2: potentially legal or potentially illegal. Means but, like it makes

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Speaker 2: me think Of President biden's attempts to bring about student

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Speaker 2: loan forgiveness, right very, similar where he's just, Like i'm

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Speaker 2: pretty sure this is, unconstitutional but we're gonna we're gonna

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Speaker 2: go for it, anyway figure it out. Later And President

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Speaker 2: trump he's trying to do the same with terras via

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Speaker 2: other legal, maneuvers so terras will likely be forced to

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Speaker 2: be less. Capricious, Right, Like as to why it is

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Speaker 2: that whimsicle makes it sound, Fun, yeah like creative and

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Speaker 2: fantastical as opposed to emotional knee jerk, reaction which is,

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Speaker 2: like it seems like it's based more on whether or

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Speaker 2: not you received a gold bar from a country as

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Speaker 2: to your. Teriff for it seems more likely that you

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Speaker 2: are going to receive less terrorists placed in your country

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Speaker 2: where you to award The Nobel Peace, prize for, instance

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Speaker 2: these are this is the kind.

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Speaker 1: Of reasons given for implementing.

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Speaker 2: Terrorists don't love that kind of, policy. MAN i will

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Speaker 2: say the current terrafts that have been stated they have

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Speaker 2: an expiration. DAY i think it's one hundred and fifty,

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Speaker 2: days and so in order for those to. Continue it

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Speaker 2: is interesting Because congress is actually going to be forced

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Speaker 2: to act to actually make this a part of, legislation

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Speaker 2: as opposed to them being able to sit back and

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Speaker 2: have the tar ers essentially go. On and definitely it's

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Speaker 2: sort of the shoes on the other.

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Speaker 1: FOOT i know you missed talking about, tariffs SO i

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Speaker 1: know you're thrilled to be able to talk about it.

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Speaker 2: Today, again it's a little frustrating because do people truly

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Speaker 2: feel the impact of tariffs is tough to, know, right

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Speaker 2: given more prices and all the factors that go into

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Speaker 2: higher PRICE i think when you're.

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Speaker 1: Talking about most of the people listening and what they

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Speaker 1: pay at the, store it's been less felt than some

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Speaker 1: economists had. Predicted but when you hear the stories of

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Speaker 1: individual small business owners who are confronted with spectacular tariffs

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Speaker 1: that they hadn't planned, for that's where you, see oh my,

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Speaker 1: gosh this is a real problem for a not insignificant

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Speaker 1: number of. People and it's easier for the costcos of

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Speaker 1: this world to endure tariffs than it is for those

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Speaker 1: small business. Owners and by the, way the headline of

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Speaker 1: the most Recent Reason roundtable podcast Was trump replaces old

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Speaker 1: illegal tariffs with new illegal, tariffs AND i JUST i

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Speaker 1: love that BECAUSE i think it gets to the heart

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Speaker 1: of the. Matter but, yeah that's pretty dating accurate ambiguity

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Speaker 1: ambiguity of tariff. Policy it just it's a it's a

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Speaker 1: source of anxiety and frustration for businesses right when they're

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Speaker 1: attempting to, plan and so that is at the HEART

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Speaker 1: i think of the problem of these. TARIFFS i think

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Speaker 1: if we had some sort of like congressional implementation of

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Speaker 1: tariffs that that was clear, cut understood and long, lasting

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Speaker 1: then people would be a little bit less frustrated by.

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Speaker 1: It but you're, right it's the capricious, nature the ever

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Speaker 1: changing reality of tariff policy that really frustrated a lot

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Speaker 1: of small business, owners that made it hard to plan

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Speaker 1: and in fact put some small businesses either out of

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Speaker 1: business or behind the eight ball when it came to

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Speaker 1: moving their business, forward made it almost impossible to plan,

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Speaker 1: for which is a frustrating.

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Speaker 2: Thing, well speaking of behind a, ball it seems like

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Speaker 2: it's the magic eight ball That trump is using to

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Speaker 2: decide whether or not.

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Speaker 1: Sure it's all signs, yes, yeah, yeah. Okay so what's

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Speaker 1: going to happen? Now when a bunch of businesses of

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Speaker 1: filed lawsuits about getting refunds for tariff it's probably not

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Speaker 1: going to proceed, Smoothly and The Supreme court kind of,

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Speaker 1: said we're not really weigh in on. That we'll let

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Speaker 1: the lower courts handle that. Stuff so we'll see how

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Speaker 1: the refund process plays. Out my guess, Is matt will

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Speaker 1: we'll keep talking about tariffs sadly for months to, come

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Speaker 1: hopefully just not on the.

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Speaker 2: Rig so going back to kind of what we're saying,

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Speaker 2: before it makes sense that we should be talking about

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Speaker 2: terrorists because of the fact that that they impact the,

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Speaker 2: Economy but at the same, time the way that they

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Speaker 2: are being implemented makes me like it's just giving more

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Speaker 2: attention to the spectacle of our current day, politics which

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Speaker 2: is the part of it THAT i hate so. Much

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Speaker 2: it makes me think of The state of The union,

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Speaker 2: address which were you excited to tune in to that

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Speaker 2: BECAUSE i caught the highlights or low. Lights, however you

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Speaker 2: THINK i didn't even do. THAT i, mean, WELL i

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Speaker 2: guess listening to news wrap ups and stuff like, that

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Speaker 2: folks were highlighting the different aspects of.

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Speaker 1: It BUT i had to hear's some of the economic

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Speaker 1: proposals and thoughts just BECAUSE i feel, like which we've

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Speaker 1: got to cover.

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Speaker 2: That, yeah we definitely need to mention. That BUT i

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Speaker 2: would rather us do away with The state of The

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Speaker 2: union because it is just the performative politics nature of

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Speaker 2: what our politics.

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Speaker 1: Is.

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Speaker 2: Man this is like totally the politics segment portion of

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Speaker 2: the podcast, today of the. Show but it makes me

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Speaker 2: think about like even The senate hearings that we, have

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Speaker 2: where it's just a lot of people yelling and pointing

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Speaker 2: fingers and it's like an episode of Like Real housewives

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Speaker 2: or something in the cats there pointing out the lady as.

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Speaker 2: Well that's what it feels. Like that part of IT

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Speaker 2: i hate so. Much even though there were some interesting

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Speaker 2: things that That trump mentioned during The state of The, union.

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Speaker 1: Well he said we're winning so much like his the

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Speaker 1: way he touts what's happening in the economy is through a,

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Speaker 1: filter and the filter is and, GOSH i again trying

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Speaker 1: not to get too political. Here WHEN i took office In,

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Speaker 1: january everything turned around And America's america is great.

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Speaker 2: Again that's what executives do at The state of The,

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Speaker 2: union right every every stinking. Year that's WHY i hate

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Speaker 2: it so, much because it's just them touting their own

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Speaker 2: their own quote unquote. Wins you talked about, how like How,

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Speaker 2: Biden President biden attempted to treat student low and forgiveness

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Speaker 2: is very similar to How President trump is has treated

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Speaker 2: and attempted to implement. TARIFFS i think that's, true AND

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Speaker 2: i think the same is true for both of these

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Speaker 2: presidents in terms of how they're trying to spin what's

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Speaker 2: happening in the. Economy both are, LIKE i don't what

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Speaker 2: are you talking? About everything's?

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Speaker 1: Great, Yeah and the when you actually step back and

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Speaker 1: look from a macro, perspective there are a lot of

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Speaker 1: things to be excited about in terms of our. Economy,

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Speaker 1: LIKE i don't think things are as bad as some

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Speaker 1: of the political pundits want to make it, sound, agreed

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Speaker 1: and it's.

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Speaker 2: Also not as good as others are also trying to

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Speaker 2: make it.

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Speaker 1: So and also when people feel like things aren't, great

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Speaker 1: you don't come in and Like jedi my trick and

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Speaker 1: say what are you talking?

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Speaker 2: About?

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Speaker 1: Man things are, awesome and you're, like, oh, yeah you're. Right,

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Speaker 1: no that's just not how it, works and people want

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Speaker 1: to be understood in their. Frustration Is america as hot

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Speaker 1: As cancel In? ZOOLANDER i don't think. So, LIKE i

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Speaker 1: just don't think that's. True but, again when you look

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Speaker 1: at the progress post, pandemic progress in Particular matt of

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Speaker 1: our country when it came to like Taming, inflacio when

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Speaker 1: it comes to economic, growth and things are better In

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Speaker 1: america than in almost any other part of the, club that's.

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Speaker 2: True, Okay so one thing that's worth highlighting That trump

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Speaker 2: did mention is the matching retirement funds for individuals who

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Speaker 2: don't have a four to ONE k at their. Work

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Speaker 2: so starting next, year this is what's proposed that you

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Speaker 2: are going to get a one thousand dollars match if

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Speaker 2: you contribute two thousand. Dollars there's not a whole lot

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Speaker 2: of details given because obviously this is very, performative but

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Speaker 2: evidently the account's going to be similar to THE, tsp

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Speaker 2: The Thrift Savings, plan which federal employees are quite familiar

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Speaker 2: with and this is going to be particularly helpful for

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Speaker 2: the folks out there who are self, employed for folks

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Speaker 2: who are working at jobs that don't offer retirement, accounts

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Speaker 2: WHICH i, MAN i totally love this and WHETHER i

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Speaker 2: don't want to get overly excited about it, though because

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Speaker 2: this is a proposal from the presidents and it seems

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Speaker 2: like going back to The Supreme. Court one of the

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Speaker 2: reasons that they cited for That trump wasn't able to

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Speaker 2: do this was because in The, Constitution article one talks

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Speaker 2: about how it's in Fact congress's job to be able

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Speaker 2: to levy TAXES i will say the control of the.

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Speaker 1: Purse it sounds like the methodology that he can use

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Speaker 1: to implement this is from The Secure act right that

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Speaker 1: was Implemented securect two point. Zero and if that's the,

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Speaker 1: case then this really could come about with very little

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Speaker 1: legal issue can.

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Speaker 2: Argue but how durable is It at the same, time

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Speaker 2: that's a good question as opposed to being implemented in

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Speaker 2: a more congressional legislative sort of.

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Speaker 1: Approach if it comes to, PASS i think it's a

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Speaker 1: really exciting, development especially for like small business owners out.

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Speaker 1: There like you talked about how when you ran your photography.

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Speaker 1: Business you never had access to a match like. You

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Speaker 1: it was all on your, back and so that's that's. Cool,

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Speaker 1: OH i love the idea of.

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Speaker 2: It, yeah, ABSOLUTELY i just hope it comes about the right. Way,

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Speaker 2: YEAH i don't want to downplay how huge this could

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Speaker 2: be for. INDIVIDUALS a fifty percent match on two thousand

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Speaker 2: dollars of retirement investing in retirement. Savings that's, massive, Man

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Speaker 2: like that could be so huge for so Many. Americans for,

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Speaker 2: That i'm really, excited and this is certainly something we'll

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Speaker 2: keep an eye.

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Speaker 1: On the only downside is how does our how do

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Speaker 1: we come up with the funds as a country to

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Speaker 1: pay for. That i'll figure that out, later just adding

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Speaker 1: it on to the national. DEBT i guess last thing

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Speaker 1: that we should address From state of The union Is

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Speaker 1: President trump also mentioned briefly the topic of Limiting congress's

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Speaker 1: ability to trade individual. Stocks that's sure also something we

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Speaker 1: can get. Behind we've been talking abouts for a long.

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Speaker 1: Time it's how big of a difference is that going

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Speaker 1: to make for the Average? American not, much but it

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Speaker 1: WILL i think at least create a sense that we

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Speaker 1: that our congress people are not using information they get

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Speaker 1: that we don't have access to to make money while

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Speaker 1: they're in. Office totally, Agreeing all, right let's talk about housing.

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Speaker 1: Map homeowners are most frustrated by maintenance, cost apparently in

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Speaker 1: surprise repairs that they have to they have to pay

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Speaker 1: for these. DAYS a new report From hippo finds that

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Speaker 1: one of the biggest financial concerns of home ownership along

291
00:14:00,280 --> 00:14:03,960
Speaker 1: with rising home insurance costs right and property. Taxes those

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00:14:04,000 --> 00:14:07,000
Speaker 1: are two line items that Have you've probably seen your

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Speaker 1: mortgage payment go up in the past few years because

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Speaker 1: of those two. Things, well it's the increased cost of

295
00:14:11,960 --> 00:14:14,640
Speaker 1: taking care of your. Home that's another big thing that

296
00:14:14,679 --> 00:14:18,800
Speaker 1: people are feeling overwhelmed. By and this REVEALS i think

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00:14:18,840 --> 00:14:23,120
Speaker 1: a few. Things, one home ownership not. Cheap along with you,

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Speaker 1: know higher monthly payments higher than what you're paying to,

299
00:14:26,640 --> 00:14:30,880
Speaker 1: rent you're also signing up for bigger one time. Expenses

300
00:14:31,440 --> 00:14:35,680
Speaker 1: it's crucial obviously to budget for potential issues that could

301
00:14:35,680 --> 00:14:38,440
Speaker 1: arise as a. Homeowner the average rule OF Thumbi we've

302
00:14:38,440 --> 00:14:40,560
Speaker 1: outlined this in the past is to have something like

303
00:14:40,600 --> 00:14:43,080
Speaker 1: one to two percent of your home, value your home's

304
00:14:43,160 --> 00:14:47,160
Speaker 1: value set aside every single year for things you have

305
00:14:47,200 --> 00:14:48,600
Speaker 1: to do to repair your.

306
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Speaker 2: House.

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Speaker 1: MATT i think, like let's say your home is worth

308
00:14:53,080 --> 00:14:57,600
Speaker 1: eight hundred thousand dollars right then you're talking about having

309
00:14:58,000 --> 00:15:00,520
Speaker 1: between eight and sixteen thousand dollars set up side for

310
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Speaker 1: things you need to do to your. Home do you

311
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Speaker 1: think that's excessive or do you think that that.

312
00:15:04,560 --> 00:15:05,360
Speaker 2: Probably pretty thing?

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Speaker 1: Accurate But i'm guessing that's not what most folks are, doing.

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Speaker 1: Agreed and it just really depends too on the status

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Speaker 1: of your home because one to two percent that's like

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00:15:12,880 --> 00:15:14,960
Speaker 1: a big. Gap take a look in particular at the

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Speaker 1: at the main systems of your, home your your roof

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Speaker 1: and YOUR. Hvac those are two big, things like how

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Speaker 1: how long has it been since those have been? Replaced

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Speaker 1: if if it hasn't been, long then you could probably

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Speaker 1: stick to closer to one percent of your home's. Value

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Speaker 1: but if you're, like oh, god it was getting pretty

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Speaker 1: up there in age pass roof can be that can

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Speaker 1: take your whole budget for that one year in terms

325
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Speaker 1: of in terms of your. Home but it's crucial to

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Speaker 1: set money aside for those expenses and to factor that

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Speaker 1: into on the front end when you're thinking about buying

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Speaker 1: a home or or you can start figuring some of

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Speaker 1: that out.

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Speaker 2: Yourself, yes we talked about, this, okay so we talked

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Speaker 2: about the coffee bar On. Monday. Right here's a new

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Speaker 2: wrinkle which AND i are already shared this with you

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Speaker 2: a little, bit so this is more for the listeners out.

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Speaker 2: There but evidently there is a upstairs bathroom drain line

335
00:16:03,760 --> 00:16:06,800
Speaker 2: goes through one of the walls of the coffee, bar and,

336
00:16:06,880 --> 00:16:09,080
Speaker 2: EVIDENTLY i think for at least four or five, years

337
00:16:09,080 --> 00:16:11,360
Speaker 2: it's been leaking some down in the, basement not like,

338
00:16:11,520 --> 00:16:14,120
Speaker 2: terribly but you can see where it's gotten wet and,

339
00:16:14,200 --> 00:16:17,840
Speaker 2: dried and it's crusty and. Gross and what a great

340
00:16:17,880 --> 00:16:20,080
Speaker 2: time to go ahead and bust open that wall and

341
00:16:20,120 --> 00:16:24,360
Speaker 2: make sure that the leak isn't originating within the wall

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00:16:24,400 --> 00:16:27,520
Speaker 2: as opposed to right as the pipe passes through the cross.

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Speaker 2: Space and with the knowledge and Experience i've gained over

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00:16:29,960 --> 00:16:32,120
Speaker 2: the past nine months when it comes to, PLUMBING i

345
00:16:32,160 --> 00:16:34,800
Speaker 2: had very little to worry. About, WELL i don't know

346
00:16:35,120 --> 00:16:38,440
Speaker 2: that sounds. RECKLESS i felt empowered to be able to

347
00:16:38,480 --> 00:16:40,840
Speaker 2: take that project on, myself and so SOMETHING i was

348
00:16:40,840 --> 00:16:43,320
Speaker 2: able to knock out last. Weekend it's also cut into

349
00:16:43,360 --> 00:16:46,480
Speaker 2: a three inch, waistline got some fresh WHITE, pbc ran

350
00:16:46,600 --> 00:16:49,640
Speaker 2: that through the, floor got it all plumbed, up good to.

351
00:16:49,720 --> 00:16:52,040
Speaker 2: Go dot was back to shower before she even knew.

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00:16:52,080 --> 00:16:54,280
Speaker 2: It she didn't miss.

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Speaker 1: It this isarly like when you think about the major

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00:16:57,720 --> 00:17:03,560
Speaker 1: costs of these home, produces it's labor, Right, LIKE i

355
00:17:03,560 --> 00:17:05,800
Speaker 1: don't Even, yeah it wasn't as much the case a decade.

356
00:17:05,840 --> 00:17:07,280
Speaker 1: AGO i think it was closer to fifty to, fifty

357
00:17:07,320 --> 00:17:08,800
Speaker 1: but NOW i think it's siler's hourly.

358
00:17:09,000 --> 00:17:10,440
Speaker 2: Rate it's.

359
00:17:10,440 --> 00:17:12,960
Speaker 1: Insane it's like it's at least sixty five to thirty

360
00:17:12,960 --> 00:17:16,159
Speaker 1: five in terms of labor versus the. Materials and so

361
00:17:16,320 --> 00:17:18,840
Speaker 1: the more you can take on or do, yourself especially

362
00:17:18,960 --> 00:17:22,119
Speaker 1: those smaller projects that can help lead to bigger projects

363
00:17:22,359 --> 00:17:24,639
Speaker 1: that will at least reduce how much you need to

364
00:17:24,680 --> 00:17:27,040
Speaker 1: have saved if you feel like you can tackle those

365
00:17:27,040 --> 00:17:27,560
Speaker 1: projects on your.

366
00:17:27,600 --> 00:17:29,520
Speaker 2: Own it makes me think of an attorney friend of,

367
00:17:29,560 --> 00:17:32,720
Speaker 2: ours and he owns some properties as, well and he

368
00:17:32,760 --> 00:17:35,040
Speaker 2: always hates painting plumbers because he's just, like their hourly

369
00:17:35,080 --> 00:17:37,399
Speaker 2: rate is more than WHAT i get. Paid he's, Like

370
00:17:37,440 --> 00:17:40,160
Speaker 2: i'm gonna start being a. Plumber but with these high

371
00:17:40,200 --> 00:17:42,480
Speaker 2: prices of, homes this is why more Young americans are

372
00:17:42,480 --> 00:17:45,520
Speaker 2: finding themselves being content to. Rent and it's not that

373
00:17:45,560 --> 00:17:48,040
Speaker 2: folks don't think that they're that they're ever going to

374
00:17:48,080 --> 00:17:49,879
Speaker 2: be able to buy a, home ALTHOUGH i think that

375
00:17:49,960 --> 00:17:52,440
Speaker 2: might be part of, It but it's also because they've

376
00:17:52,440 --> 00:17:55,640
Speaker 2: been investing more and with that they have seen their

377
00:17:55,840 --> 00:18:01,119
Speaker 2: wealth increase, significantly and as monthly remains a good bit

378
00:18:01,200 --> 00:18:04,399
Speaker 2: cheaper than, buying folks are starting to even just question

379
00:18:04,480 --> 00:18:07,960
Speaker 2: the entire premise of purchasing a home right like it

380
00:18:08,040 --> 00:18:10,719
Speaker 2: used to be the sort of default sort of thing of, like, oh,

381
00:18:10,840 --> 00:18:13,639
Speaker 2: yep you're throwing money away if you're, renting you need

382
00:18:13,680 --> 00:18:15,560
Speaker 2: to buy a, Home but it all comes down to

383
00:18:15,640 --> 00:18:18,480
Speaker 2: what you are doing with those funds. Instead and as

384
00:18:18,520 --> 00:18:21,200
Speaker 2: more folks are sticking money into the, market and they're

385
00:18:21,200 --> 00:18:25,080
Speaker 2: seeing that those dollars increase faster than, housing and that's

386
00:18:25,080 --> 00:18:27,240
Speaker 2: what YOU i, Mean this isn't just a recent. Phenomena

387
00:18:27,280 --> 00:18:29,480
Speaker 2: you look back over the data from the past hundred,

388
00:18:29,560 --> 00:18:34,520
Speaker 2: Years the average amount of home equity increases that folks

389
00:18:34,560 --> 00:18:36,879
Speaker 2: have seen have not kept up with what the market

390
00:18:36,920 --> 00:18:39,920
Speaker 2: has done over the long. Haul so that's the biggest trick,

391
00:18:39,920 --> 00:18:42,120
Speaker 2: THOUGH i, think is whether or not folks will actually

392
00:18:42,160 --> 00:18:44,600
Speaker 2: do that with that. Money but the people who, are

393
00:18:45,160 --> 00:18:47,719
Speaker 2: but the folks who are are seeing their wealth increase.

394
00:18:47,840 --> 00:18:50,240
Speaker 2: Significantly and it also doesn't surprise. Me we were just

395
00:18:50,280 --> 00:18:54,440
Speaker 2: talking about the potentially new retirement government, sponsored government backed

396
00:18:54,520 --> 00:18:58,719
Speaker 2: match with A tsp like retirement. Plan but the majority

397
00:18:58,760 --> 00:19:01,080
Speaker 2: Of americans who are working full time have access to

398
00:19:01,160 --> 00:19:02,920
Speaker 2: a four to ONE, k and so it doesn't surprise

399
00:19:02,960 --> 00:19:05,320
Speaker 2: me that we're seeing more folks enter into the. Workforce

400
00:19:05,720 --> 00:19:08,600
Speaker 2: and all of the new four ONE k plans have

401
00:19:08,640 --> 00:19:11,040
Speaker 2: to auto enroll their, employees and so you've got this

402
00:19:11,280 --> 00:19:16,679
Speaker 2: entire generation of folks who are getting they got that stealth.

403
00:19:16,680 --> 00:19:18,760
Speaker 2: Wealth they don't even realize it until they sit down

404
00:19:18,760 --> 00:19:20,080
Speaker 2: at the end of the year and they're, LIKE, whoa

405
00:19:20,480 --> 00:19:23,359
Speaker 2: where did that come? From, yeah that's. Awesome and they

406
00:19:23,359 --> 00:19:26,720
Speaker 2: feel less of that pressure where to purchase a, home

407
00:19:26,760 --> 00:19:31,439
Speaker 2: whereas previous generations maybe they had fatter deposits every two

408
00:19:31,480 --> 00:19:33,240
Speaker 2: weeks in their account that you, know they're bringing their

409
00:19:33,400 --> 00:19:35,840
Speaker 2: take thems a little bit more because they're not sitting

410
00:19:35,840 --> 00:19:37,920
Speaker 2: money aside in A fourmu AND k and therefore they're

411
00:19:38,160 --> 00:19:40,480
Speaker 2: using more of those funds to purchase a. Home Right

412
00:19:40,560 --> 00:19:42,280
Speaker 2: and like we've talked about trade. Off so much to

413
00:19:42,400 --> 00:19:45,240
Speaker 2: happen depends on what's happening in the. Market because if

414
00:19:45,240 --> 00:19:50,040
Speaker 2: you're talking about twenty eleven twenty, twelve and someone's sending

415
00:19:50,080 --> 00:19:52,280
Speaker 2: in an ASK htm and they're, like SHOULD i buy a, house,

416
00:19:52,520 --> 00:19:55,040
Speaker 2: like we would, say, wow rates are pretty dang. Low

417
00:19:55,160 --> 00:19:58,480
Speaker 2: prices are incredibly. Low think about you're probably going to

418
00:19:58,520 --> 00:20:00,159
Speaker 2: be paying less on your mortgage in which you and.

419
00:20:00,280 --> 00:20:02,600
Speaker 2: Rent buying a house has there's a lot of perks

420
00:20:02,600 --> 00:20:05,119
Speaker 2: to buying a house right twenty. Eleven in twenty twenty,

421
00:20:05,160 --> 00:20:08,199
Speaker 2: six the script is flipped and it's so much from,

422
00:20:09,320 --> 00:20:12,200
Speaker 2: yes for sure to rent than it is to. Buy

423
00:20:12,240 --> 00:20:15,200
Speaker 2: and you're, like, oh IF i could rent or, yeah

424
00:20:15,240 --> 00:20:17,720
Speaker 2: rent the place for two grand THAT i would pay a,

425
00:20:17,760 --> 00:20:20,360
Speaker 2: MORTGAGE i would be paying like four. Grand that's two

426
00:20:20,440 --> 00:20:23,119
Speaker 2: thousand extra dollars a. Month and by the, WAY i

427
00:20:23,160 --> 00:20:25,959
Speaker 2: don't think it's a ridiculous. Assertion given where home prices

428
00:20:25,960 --> 00:20:28,120
Speaker 2: and interest rates are right, now you can probably rent

429
00:20:28,119 --> 00:20:29,800
Speaker 2: something for significantly. Less that's very.

430
00:20:29,800 --> 00:20:32,719
Speaker 1: Similar and if How i'm investing that, difference you can

431
00:20:32,720 --> 00:20:35,119
Speaker 1: get ahead really quickly and guess what you can be

432
00:20:35,240 --> 00:20:38,280
Speaker 1: investing for the possibility of future home ownership instead of

433
00:20:38,320 --> 00:20:40,360
Speaker 1: kind of trying to like force force a square peg

434
00:20:40,359 --> 00:20:40,840
Speaker 1: into a round.

435
00:20:40,840 --> 00:20:42,960
Speaker 2: Hole right, now there you. Go, yeah you're actually building

436
00:20:43,040 --> 00:20:45,960
Speaker 2: up a down. Payment, yeah that you can deploy once

437
00:20:45,960 --> 00:20:47,000
Speaker 2: you have have enough funds on.

438
00:20:47,040 --> 00:20:48,480
Speaker 1: HAND i do feel LIKE i should talk out of

439
00:20:48,480 --> 00:20:51,760
Speaker 1: both sides of my, Mouth, matt because on the flip.

440
00:20:51,520 --> 00:20:53,840
Speaker 2: Side that's one of your. Specialties it is it. Is,

441
00:20:53,880 --> 00:20:56,200
Speaker 2: YEAH i like the. Dedication it's what we. Do there's

442
00:20:56,200 --> 00:20:58,040
Speaker 2: a lot of nuance when it comes to personal. Finance

443
00:20:58,119 --> 00:20:59,960
Speaker 2: so hous.

444
00:20:59,920 --> 00:21:02,359
Speaker 1: More is starting to slow. Down it's not like a

445
00:21:02,520 --> 00:21:06,320
Speaker 1: twenty twenty, four right or twenty twenty three. Anymore, yeah

446
00:21:06,440 --> 00:21:09,359
Speaker 1: well rates have come down a little bit. Racer so

447
00:21:09,359 --> 00:21:13,200
Speaker 1: that's up finally sub six percent on average and.

448
00:21:13,400 --> 00:21:16,320
Speaker 2: Five point nine eight and yeah was this week's.

449
00:21:16,320 --> 00:21:18,960
Speaker 1: Average AND i went back to the local our local

450
00:21:18,960 --> 00:21:21,480
Speaker 1: credit union's website to look at their fifteen to fifteen.

451
00:21:21,600 --> 00:21:24,159
Speaker 1: Arm the rate on that is. Down it's IT'S i

452
00:21:24,160 --> 00:21:26,280
Speaker 1: think directly at five percent right. NOW i wouldn't be

453
00:21:26,280 --> 00:21:28,960
Speaker 1: surprised if it's in the four something range in the near.

454
00:21:29,000 --> 00:21:31,880
Speaker 1: Future that's pretty that's pretty. Great so people who are

455
00:21:31,920 --> 00:21:36,040
Speaker 1: like and we're seeing write more price reductions because there's

456
00:21:36,119 --> 00:21:39,240
Speaker 1: just the market in general is. Softer so, yeah maybe

457
00:21:39,480 --> 00:21:42,240
Speaker 1: if you're patient and you're smart and you've saved, up

458
00:21:42,560 --> 00:21:44,560
Speaker 1: you can get a better deal than you've been able

459
00:21:44,600 --> 00:21:48,320
Speaker 1: to get in recent. Years this spring selling, SEASON i don't.

460
00:21:48,359 --> 00:21:50,680
Speaker 2: Know that's. UH i thought it was gonna happen last.

461
00:21:50,680 --> 00:21:52,439
Speaker 2: SPRING i remember selling the folks that'd be, LIKE i

462
00:21:52,480 --> 00:21:55,840
Speaker 2: really think we're gonna see rates tick down and things eat,

463
00:21:55,920 --> 00:21:58,440
Speaker 2: Up but it didn't. Happen, YEAH i think when you're,

464
00:21:58,440 --> 00:21:59,240
Speaker 2: Starting i'm done making.

465
00:21:59,240 --> 00:22:02,680
Speaker 1: Predictions starting to c rates in the low fives and high,

466
00:22:02,720 --> 00:22:06,000
Speaker 1: fours that's a signal that's going to soften the market

467
00:22:06,080 --> 00:22:08,760
Speaker 1: a little, bit and it's going to MAKE i think

468
00:22:09,200 --> 00:22:11,800
Speaker 1: selling and buying something else more attractive to a certain

469
00:22:11,800 --> 00:22:14,040
Speaker 1: segment of, people and just buying in, general first time

470
00:22:14,080 --> 00:22:17,480
Speaker 1: home buyers maybe a little less frustrating or.

471
00:22:17,480 --> 00:22:20,320
Speaker 2: Onerous that's, right, Man but we've got more to get.

472
00:22:20,359 --> 00:22:23,679
Speaker 2: To we're gonna talk about eating steak and other foods

473
00:22:23,760 --> 00:22:25,880
Speaker 2: that and more weighs of. Save right after this.

474
00:22:33,800 --> 00:22:36,800
Speaker 1: Power back from the, break it's time the ludicrous headline

475
00:22:36,800 --> 00:22:39,000
Speaker 1: of the. Week this one comes From Business insider and

476
00:22:39,040 --> 00:22:42,960
Speaker 1: it reads Death isn't The? End meta patented IN ai

477
00:22:43,200 --> 00:22:48,800
Speaker 1: that lets you keep posting from beyond the, grave, Right, yeah.

478
00:22:48,000 --> 00:22:50,920
Speaker 2: Just what everyone wanted was the ability for people on

479
00:22:51,240 --> 00:22:52,639
Speaker 2: that they're friends with On facebook to be able to.

480
00:22:52,680 --> 00:22:56,080
Speaker 1: Troll THOUGH i, know right from the grave forever from

481
00:22:56,119 --> 00:22:57,040
Speaker 1: the great, beyond.

482
00:22:56,800 --> 00:22:57,960
Speaker 2: Because it's so messed.

483
00:22:58,000 --> 00:23:00,400
Speaker 1: UP i can't, WELL i don't know who's gonna die,

484
00:23:00,480 --> 00:23:02,159
Speaker 1: First mir or. You But i'm trying to decide what

485
00:23:02,160 --> 00:23:05,480
Speaker 1: it would be like to read fake postings FROM, Ai,

486
00:23:05,560 --> 00:23:06,480
Speaker 1: matt like when you're?

487
00:23:06,520 --> 00:23:09,200
Speaker 2: Dead, yeah WOULD i be, Like, OH i don't think

488
00:23:09,200 --> 00:23:11,119
Speaker 2: there'd be much? There like this is, FREAKY i think

489
00:23:11,560 --> 00:23:14,320
Speaker 2: BECAUSE i try not to post on. There, yeah because it's.

490
00:23:14,560 --> 00:23:17,840
Speaker 2: DUE i, mean this is straight up an episode Of Black. Mirror, Yeah,

491
00:23:17,880 --> 00:23:19,840
Speaker 2: like and that's what attracted me To Black mirror was

492
00:23:19,880 --> 00:23:23,359
Speaker 2: sort of the, weird like twisted dystopian sort of part of.

493
00:23:23,400 --> 00:23:26,000
Speaker 2: It but the really sad thing is that that is

494
00:23:26,000 --> 00:23:28,359
Speaker 2: becoming a, reality which only just kind of makes me

495
00:23:28,880 --> 00:23:32,040
Speaker 2: kind of sad about our current state and that are

496
00:23:32,040 --> 00:23:35,399
Speaker 2: so normal. Now, honestly it is LIKE i was pretty

497
00:23:35,440 --> 00:23:37,200
Speaker 2: attracted to it early, on but now that we're kind

498
00:23:37,200 --> 00:23:40,359
Speaker 2: of living, it, yeah, yeah not super thrilled with. It

499
00:23:40,440 --> 00:23:42,600
Speaker 2: and just because there is A you know that they

500
00:23:42,600 --> 00:23:44,960
Speaker 2: filed for a patent doesn't mean that that is actually

501
00:23:45,720 --> 00:23:47,520
Speaker 2: going to be a feature that they roll.

502
00:23:47,600 --> 00:23:49,679
Speaker 1: OUTS i wouldn't be, surprised but maybe well here's WHY

503
00:23:49,680 --> 00:23:51,840
Speaker 1: i wouldn't be, surprised but they might. One in the patent,

504
00:23:51,880 --> 00:23:54,600
Speaker 1: filing it, says AND i, quote the language model may

505
00:23:54,600 --> 00:23:56,840
Speaker 1: be used for simulating the user when the user is

506
00:23:56,880 --> 00:23:59,600
Speaker 1: absent from the social networking, system for, example when the

507
00:23:59,640 --> 00:24:01,800
Speaker 1: user takes say long, break or if the user is.

508
00:24:02,080 --> 00:24:04,720
Speaker 1: Deceased and not only does it say that in the patent,

509
00:24:04,720 --> 00:24:08,280
Speaker 1: filing but we're kind of already seeing this play. Out

510
00:24:08,560 --> 00:24:12,439
Speaker 1: So Scott, adams who did The dilbert comic, strip and

511
00:24:12,480 --> 00:24:17,040
Speaker 1: he was also like a political personality in many ways,

512
00:24:17,040 --> 00:24:19,280
Speaker 1: too that he passed away a couple of months ago

513
00:24:19,600 --> 00:24:23,080
Speaker 1: and end AND ai is being used to create create

514
00:24:23,119 --> 00:24:26,200
Speaker 1: post mortem videos of. Him so like his podcast, continues

515
00:24:26,440 --> 00:24:29,919
Speaker 1: his video podcast. Apparently see that's so. Weird it's so

516
00:24:30,600 --> 00:24:33,400
Speaker 1: it's so. Weird, yeah so. Dystopian and how the money could,

517
00:24:33,400 --> 00:24:34,720
Speaker 1: Continue well that's without.

518
00:24:34,840 --> 00:24:38,120
Speaker 2: Us how it's difficult for me to not think through

519
00:24:38,240 --> 00:24:40,560
Speaker 2: how does this what are the ramifications for? Us? Right

520
00:24:40,560 --> 00:24:44,879
Speaker 2: because we have this wonderful company that has worked well with.

521
00:24:45,000 --> 00:24:48,679
Speaker 2: Us iHeart iHeart. Media but here's the, Thing, joel they

522
00:24:48,720 --> 00:24:51,399
Speaker 2: technically own how To, money and even though it's been

523
00:24:51,440 --> 00:24:55,600
Speaker 2: a great, partnership let's just imagine the future where we

524
00:24:55,640 --> 00:24:58,280
Speaker 2: don't want to do the. Show that's less. Likely what's

525
00:24:58,320 --> 00:24:59,720
Speaker 2: more likely probably.

526
00:24:59,400 --> 00:25:03,800
Speaker 1: Is a future save, money like where we can't agree

527
00:25:03,800 --> 00:25:06,840
Speaker 1: to the terms and they, say.

528
00:25:06,680 --> 00:25:09,560
Speaker 2: Well that's. Okay we've got over a thousand episodes that

529
00:25:09,600 --> 00:25:12,239
Speaker 2: we technically own of our voice and us sharing our

530
00:25:12,320 --> 00:25:14,600
Speaker 2: jokes and telling our. STORIES i think we can kind

531
00:25:14,600 --> 00:25:18,119
Speaker 2: of keep that. Rolling that's a bleak that we're living

532
00:25:18,119 --> 00:25:21,679
Speaker 2: our own living nightmare Of Black mirror podcast editions if

533
00:25:22,400 --> 00:25:24,600
Speaker 2: that were to. Happen but we also know then that

534
00:25:24,600 --> 00:25:28,040
Speaker 2: they wouldn't be able to run the guaranteed human part

535
00:25:28,080 --> 00:25:31,000
Speaker 2: at the very beginning of the episode because at the

536
00:25:31,000 --> 00:25:32,720
Speaker 2: point it wouldn't take that claim. Off, yeah, yeah we

537
00:25:32,720 --> 00:25:33,119
Speaker 2: can do that.

538
00:25:33,119 --> 00:25:36,280
Speaker 1: Anywhere, well it's a little little, freaky little, Frightening AND i,

539
00:25:36,320 --> 00:25:39,160
Speaker 1: MEAN i think we're just living in a time where

540
00:25:39,680 --> 00:25:42,520
Speaker 1: just deep fakes are getting so much. BETTER ai scams

541
00:25:42,560 --> 00:25:45,639
Speaker 1: are becoming even more, prevalent and they're becoming more convincing

542
00:25:46,000 --> 00:25:49,639
Speaker 1: and so it's just don't believe everything you see, it

543
00:25:50,080 --> 00:25:53,600
Speaker 1: do a fact, check like look, again because we're living

544
00:25:53,640 --> 00:25:57,000
Speaker 1: in an era where even people can post stuff from

545
00:25:57,040 --> 00:25:58,560
Speaker 1: beyond the grave and you're, like, OH i thought the

546
00:25:58,560 --> 00:26:00,479
Speaker 1: person was. DEAD i Guess i'll keep following. Them but

547
00:26:00,560 --> 00:26:03,280
Speaker 1: it's it's just a it's a weird, world and protecting

548
00:26:03,320 --> 00:26:06,600
Speaker 1: yourself becomes even more. Important, yeah, okay let me see

549
00:26:06,600 --> 00:26:07,119
Speaker 1: IF i can pull this.

550
00:26:07,200 --> 00:26:12,560
Speaker 2: Off as money piles INTO, ai the system's powering these deep.

551
00:26:12,600 --> 00:26:15,120
Speaker 2: Fakes some of the folks working in the field are

552
00:26:15,160 --> 00:26:17,920
Speaker 2: making bank and the more money you, have the more

553
00:26:17,960 --> 00:26:19,840
Speaker 2: you want to protect, it, which in the case of,

554
00:26:19,840 --> 00:26:22,280
Speaker 2: marriage means getting a. Prenup do you like, that? Seguay,

555
00:26:22,359 --> 00:26:25,320
Speaker 2: no what's? Good well, Done we've talked about.

556
00:26:25,359 --> 00:26:27,760
Speaker 1: Prenups, YEAH i could not have replicated. That oh, my, yeah,

557
00:26:27,960 --> 00:26:30,760
Speaker 1: there human skills were a whole. Display there such a better.

558
00:26:30,840 --> 00:26:33,840
Speaker 2: Job we actually talked about prenups in depth back in

559
00:26:33,960 --> 00:26:38,240
Speaker 2: episode seven forty. Three AND i don't have a. PRENUP i,

560
00:26:38,280 --> 00:26:41,400
Speaker 2: DON'T i don't, know neither of us knew And emily

561
00:26:40,960 --> 00:26:44,760
Speaker 2: WERE i And kate thing especially for people with.

562
00:26:44,960 --> 00:26:47,160
Speaker 1: Zero, dollars like when you AND i got, married there

563
00:26:47,200 --> 00:26:50,800
Speaker 1: wasn't much to, Protect, like we hadn't built up significant.

564
00:26:50,840 --> 00:26:53,040
Speaker 1: Assets you got married when you were twenty, three twenty,

565
00:26:53,080 --> 00:26:55,440
Speaker 1: four twenty twenty. THREE i got married WHEN i was twenty, Six,

566
00:26:55,480 --> 00:26:57,320
Speaker 1: like there wasn't a lot to. PROTECT i wasn't, like,

567
00:26:57,480 --> 00:26:59,199
Speaker 1: OH i don't want my wife to have access to

568
00:26:59,240 --> 00:27:02,480
Speaker 1: this treasure trail That i've Didn't there was no treasure.

569
00:27:02,520 --> 00:27:04,399
Speaker 2: Trove we built it. Together. Yeah, Yeah so this was

570
00:27:04,400 --> 00:27:07,040
Speaker 2: an article highlighting folks who are just worth a ton of.

571
00:27:07,080 --> 00:27:10,040
Speaker 2: Money now they're trying to move on and not move

572
00:27:10,080 --> 00:27:11,639
Speaker 2: on in their, life but they're trying to build their,

573
00:27:11,680 --> 00:27:15,520
Speaker 2: lives start a, family and they're talking about, prenups and

574
00:27:15,600 --> 00:27:17,760
Speaker 2: IT'S i, mean do you feel that your, opinion BECAUSE

575
00:27:17,760 --> 00:27:20,919
Speaker 2: i remember after that episode one of WHAT i recall

576
00:27:21,000 --> 00:27:23,679
Speaker 2: your one of your takeaways being was, that you, KNOW

577
00:27:23,800 --> 00:27:25,840
Speaker 2: i didn't think that prenups made. Sense but the fact

578
00:27:25,960 --> 00:27:28,959
Speaker 2: that the, state the fact that they have default rules

579
00:27:29,040 --> 00:27:31,520
Speaker 2: essentially that they follow if you don't have a, prenup

580
00:27:31,560 --> 00:27:34,400
Speaker 2: means depending on which state you're, in you have different prenup. Rules.

581
00:27:34,600 --> 00:27:36,840
Speaker 2: Yeah so the fact that there is sort of like

582
00:27:36,880 --> 00:27:40,720
Speaker 2: this default prenup depending that's basically state issued seemed like,

583
00:27:40,720 --> 00:27:43,479
Speaker 2: IT i guess had more of an impact on. You

584
00:27:43,520 --> 00:27:45,760
Speaker 2: but do you still feel that way? NOW i? DO i.

585
00:27:45,800 --> 00:27:48,840
Speaker 1: DO i think though that it's really. Crucial like when

586
00:27:48,880 --> 00:27:52,520
Speaker 1: you're getting, married you're talking about combining right for, life

587
00:27:52,560 --> 00:27:55,760
Speaker 1: like that is that's the. Goal even when you read your, vowels,

588
00:27:55,800 --> 00:27:58,320
Speaker 1: like think about what you're saying when you read those

589
00:27:58,400 --> 00:28:02,200
Speaker 1: vows it's it's not an insignificant commitment that you're. Making

590
00:28:02,240 --> 00:28:06,240
Speaker 1: and SO i think because of, that it's just it's

591
00:28:06,280 --> 00:28:09,159
Speaker 1: important to be generous and fair when you're creating a

592
00:28:09,160 --> 00:28:12,280
Speaker 1: prenup with your. Partner i've JUST i Think i've seen

593
00:28:12,440 --> 00:28:15,719
Speaker 1: Other i've seen relationships at times blow up before you

594
00:28:15,720 --> 00:28:19,360
Speaker 1: get to the altar because of the way the prenup process.

595
00:28:19,560 --> 00:28:21,840
Speaker 2: Goes, yeah that to me is like super duper. Sad

596
00:28:22,119 --> 00:28:26,320
Speaker 2: so it's. Okay it's probably better then than actually getting

597
00:28:26,320 --> 00:28:30,000
Speaker 2: married and finding out that they're, selfish, right because LIKE

598
00:28:30,000 --> 00:28:31,600
Speaker 2: i would even push it a step. Further you said

599
00:28:31,760 --> 00:28:33,800
Speaker 2: to attempt to be, fair like you got to be

600
00:28:33,840 --> 00:28:35,840
Speaker 2: more than, Fair like you have to be generous and,

601
00:28:35,880 --> 00:28:38,280
Speaker 2: loving because that's what as you enter into a, marriage

602
00:28:38,280 --> 00:28:40,719
Speaker 2: it is a like you put together two people who

603
00:28:40,760 --> 00:28:43,560
Speaker 2: are selfish who only care about themselves into a marriage

604
00:28:43,640 --> 00:28:47,160
Speaker 2: and there's just nothing but a road of brokenness that lies,

605
00:28:47,200 --> 00:28:49,920
Speaker 2: ahead right as opposed to bringing together two people who

606
00:28:49,920 --> 00:28:52,880
Speaker 2: are entering into this relationship and this institution knowing, that,

607
00:28:53,080 --> 00:28:55,240
Speaker 2: oh this is an area Where i'm going to, sacrifice

608
00:28:55,240 --> 00:28:57,000
Speaker 2: WHERE I am going to put the other person, First

609
00:28:57,280 --> 00:29:00,440
Speaker 2: like you need both people doing that in, order, Opinion,

610
00:29:00,520 --> 00:29:02,440
Speaker 2: yeah to have a successful.

611
00:29:02,600 --> 00:29:05,160
Speaker 1: Marriage i've Heard i've heard friends say stuff, like, oh,

612
00:29:05,240 --> 00:29:07,760
Speaker 1: man once my spouse pays off the rest of her,

613
00:29:07,800 --> 00:29:09,880
Speaker 1: loans her student, loans that.

614
00:29:10,360 --> 00:29:12,040
Speaker 2: It feels off to, me, RIGHT i.

615
00:29:12,120 --> 00:29:16,200
Speaker 1: Just to, me that doesn't make sense and that's not

616
00:29:16,240 --> 00:29:18,520
Speaker 1: how we handle. Money AND i think when you look

617
00:29:18,560 --> 00:29:21,080
Speaker 1: at the statistics which we've talked about over the, years

618
00:29:21,360 --> 00:29:24,000
Speaker 1: the happiest couples are the ones who kind of combine,

619
00:29:24,040 --> 00:29:27,240
Speaker 1: everything even if one person makes substantially more than the,

620
00:29:27,280 --> 00:29:27,920
Speaker 1: other just.

621
00:29:27,840 --> 00:29:30,400
Speaker 2: Come to terms with, that embrace, it find that you've

622
00:29:30,440 --> 00:29:34,360
Speaker 2: got different. Strengths it's just it's so it's so weird

623
00:29:34,400 --> 00:29:37,080
Speaker 2: to me that money is oftentimes such a focus here

624
00:29:37,120 --> 00:29:41,840
Speaker 2: because money is this very, fungible renewable. Resource, essentially you

625
00:29:41,840 --> 00:29:43,520
Speaker 2: can always like go out and get more moneybe not

626
00:29:43,560 --> 00:29:45,760
Speaker 2: as much money as you currently have if you're AN

627
00:29:46,040 --> 00:29:49,040
Speaker 2: ai overlord or something like, that but like as opposed

628
00:29:49,080 --> 00:29:52,520
Speaker 2: to not thinking about the amount of time and like

629
00:29:52,800 --> 00:29:55,120
Speaker 2: life energy that you're giving this, person which is not

630
00:29:55,240 --> 00:29:57,200
Speaker 2: something that you can ever get. Back and so if

631
00:29:57,280 --> 00:29:59,400
Speaker 2: you are going to trust, somebody LIKE i don't, know

632
00:29:59,440 --> 00:30:02,200
Speaker 2: it's My i'm old, SCHOOL i think you should probably

633
00:30:02,240 --> 00:30:05,160
Speaker 2: trust them with. Everything, yeah and certainly your finances are

634
00:30:05,160 --> 00:30:05,680
Speaker 2: a part of, that.

635
00:30:06,000 --> 00:30:08,560
Speaker 1: And your good fortune is their good, fortune and vice.

636
00:30:08,680 --> 00:30:12,800
Speaker 1: Versa so let's talk about medical, Bills. Matt it's widely.

637
00:30:12,840 --> 00:30:14,880
Speaker 1: Known everybody pretty much knows that the number one cause

638
00:30:14,880 --> 00:30:17,600
Speaker 1: of bankruptcy is medical. Bills they're roughly a factor in

639
00:30:18,000 --> 00:30:22,520
Speaker 1: two thirds of bankruptcy. Filings people have a significant amount

640
00:30:22,520 --> 00:30:25,800
Speaker 1: of medical debt that they feel like they can't pay

641
00:30:25,880 --> 00:30:28,320
Speaker 1: or they're just unable to. Pay a lot of folks

642
00:30:28,680 --> 00:30:32,400
Speaker 1: would think it would make sense, intuitively, right that having

643
00:30:32,440 --> 00:30:35,640
Speaker 1: insurance coverage would prevent that. Possibility, Hey i've got good

644
00:30:35,680 --> 00:30:40,040
Speaker 1: health insurance and so bankruptcy because of medical, bills that's

645
00:30:40,040 --> 00:30:42,200
Speaker 1: not going to happen to. Me, well that might not be.

646
00:30:42,240 --> 00:30:45,240
Speaker 1: True there's this new health affairs study and it finds

647
00:30:45,280 --> 00:30:49,600
Speaker 1: that medical emergencies lead to bankruptcy more, often even if

648
00:30:49,600 --> 00:30:52,240
Speaker 1: you're covered by a traditional health insurance, plan like even

649
00:30:52,240 --> 00:30:55,160
Speaker 1: if you have a solid policy through your work through your,

650
00:30:55,200 --> 00:30:59,400
Speaker 1: employer because the average deductible has gone up. Meaningfully so

651
00:30:59,840 --> 00:31:02,160
Speaker 1: if you're looking at let's say a bronze plan on

652
00:31:02,200 --> 00:31:06,080
Speaker 1: the healthcare exchange on healthcare dot, gov the average deductible

653
00:31:06,280 --> 00:31:08,560
Speaker 1: is like seven thousand dollars if you have one of those,

654
00:31:08,600 --> 00:31:12,400
Speaker 1: plans not to, mention the premiums are already pretty rough

655
00:31:12,400 --> 00:31:13,640
Speaker 1: for those. Two so you're working over a lot of

656
00:31:13,680 --> 00:31:16,120
Speaker 1: money every, month and then, hey that unexpected medical bill,

657
00:31:16,160 --> 00:31:21,960
Speaker 1: comes and even after like it's corrected via, insurance it

658
00:31:22,040 --> 00:31:26,240
Speaker 1: still might be unsurmountable for. You an unexpected medical event

659
00:31:26,280 --> 00:31:30,120
Speaker 1: could mean thousands of dollars in just unexpected costs that

660
00:31:30,200 --> 00:31:32,080
Speaker 1: hit you even when you have. Insurance and so we

661
00:31:32,920 --> 00:31:36,400
Speaker 1: talk about. This the system. Sucks it's really it's a

662
00:31:36,440 --> 00:31:40,600
Speaker 1: really difficult system to. Navigate but the stress here is

663
00:31:40,600 --> 00:31:42,720
Speaker 1: that you need to have savings on hand to cover your.

664
00:31:42,760 --> 00:31:45,920
Speaker 1: Deductible and if you increase your deductible to save more

665
00:31:45,960 --> 00:31:49,040
Speaker 1: on a monthly, premium that can save money in the long,

666
00:31:49,120 --> 00:31:52,280
Speaker 1: run but it increases your need to have savings on. Hand.

667
00:31:52,480 --> 00:31:54,480
Speaker 1: Now so this study just made me, think, oh even

668
00:31:54,520 --> 00:31:57,360
Speaker 1: if you have great, insurance make sure that your emergency,

669
00:31:57,400 --> 00:32:01,680
Speaker 1: fund that your savings include on top of whatever you

670
00:32:01,720 --> 00:32:06,040
Speaker 1: need for potential, emergencies the money to cover a deductible

671
00:32:06,040 --> 00:32:08,440
Speaker 1: that's like one of those emergencies that can come, along.

672
00:32:08,280 --> 00:32:10,400
Speaker 2: The very likely to come. Along. Yeah, Yeah and to

673
00:32:10,400 --> 00:32:13,040
Speaker 2: put a point on, it the broken system isn't the

674
00:32:13,080 --> 00:32:15,240
Speaker 2: fact that you have to have money on hand in

675
00:32:15,320 --> 00:32:17,400
Speaker 2: order to pay your. Deductible and that's just that's those

676
00:32:17,400 --> 00:32:19,080
Speaker 2: are the rules that you signed up. For you just

677
00:32:19,160 --> 00:32:22,680
Speaker 2: need to make sure that you are adjusting your finances

678
00:32:22,800 --> 00:32:26,040
Speaker 2: to accommodate for this new plan that you're. On but

679
00:32:26,120 --> 00:32:30,080
Speaker 2: one of the solutions might be for if you're facing

680
00:32:30,600 --> 00:32:33,520
Speaker 2: let's say a medical procedure is to move abroad for,

681
00:32:33,640 --> 00:32:36,800
Speaker 2: cheap cheaper health. Care it's not as ridiculous as it might.

682
00:32:36,880 --> 00:32:39,240
Speaker 2: Sound depending on your health care, NEEDS i think it's

683
00:32:39,280 --> 00:32:42,200
Speaker 2: at least worth considering a trip to have that procedure.

684
00:32:42,200 --> 00:32:45,360
Speaker 2: Done maybe you don't necessarily need to move. Abroad so

685
00:32:45,400 --> 00:32:49,680
Speaker 2: there is a in the article there profiling a woman

686
00:32:49,720 --> 00:32:51,400
Speaker 2: who was PAYING i forget how. Much it is like

687
00:32:51,440 --> 00:32:53,640
Speaker 2: something like thirty thousand dollars is what it was going

688
00:32:53,720 --> 00:32:56,520
Speaker 2: to cost her, annually and so she moved To france

689
00:32:56,680 --> 00:32:59,680
Speaker 2: and it costs twelve times. Less that's something that you

690
00:32:59,720 --> 00:33:03,720
Speaker 2: probably move, forward right like that significantly changes your your

691
00:33:03,760 --> 00:33:06,720
Speaker 2: lifestyle plus but, yeah the bag atts, man that sounds

692
00:33:06,760 --> 00:33:08,960
Speaker 2: like another reason to. Move why? Not it's. Funny, yeah

693
00:33:09,040 --> 00:33:11,400
Speaker 2: we're talking with the kids literally about back, edges bagets and. Wine.

694
00:33:11,440 --> 00:33:15,680
Speaker 2: Baby medical tourism is understandably on the, rise but largely

695
00:33:15,680 --> 00:33:17,800
Speaker 2: out of. Necessity so we've got great health care here

696
00:33:17,800 --> 00:33:20,440
Speaker 2: in our, country but far too many procedures are just

697
00:33:20,560 --> 00:33:23,000
Speaker 2: really expensive for a whole lot of. Folks, yeah if

698
00:33:23,040 --> 00:33:26,160
Speaker 2: you can save fifty to seventy percent on a knee,

699
00:33:26,160 --> 00:33:29,480
Speaker 2: replacement why would you not consider going abroad for? That

700
00:33:29,680 --> 00:33:32,880
Speaker 2: or sixty to eighty percent on dental work by going To.

701
00:33:32,960 --> 00:33:35,880
Speaker 2: Mexico these are real. Numbers maybe don't go To mexico right?

702
00:33:35,920 --> 00:33:39,400
Speaker 2: Now oh, yeah, yeah avoid Where porto v our, Yeah

703
00:33:39,480 --> 00:33:42,200
Speaker 2: parto where, yeah where the terrorism. Is but just doing

704
00:33:42,320 --> 00:33:44,920
Speaker 2: research ahead of, time knowing the trade, offs know what

705
00:33:44,960 --> 00:33:46,960
Speaker 2: your total out of pocket costs are going to. Be

706
00:33:47,000 --> 00:33:48,840
Speaker 2: that is going to be incredibly important in order for

707
00:33:48,880 --> 00:33:53,040
Speaker 2: you to make this a financial. Winner one of my good, Friends,

708
00:33:53,240 --> 00:33:56,800
Speaker 2: matt he has a really rare heart condition and so

709
00:33:56,800 --> 00:33:59,840
Speaker 2: he's got to get this. Surgery and fortunately it doesn't

710
00:33:59,840 --> 00:34:02,360
Speaker 2: have to happen right now right, now but he's planning

711
00:34:02,360 --> 00:34:04,760
Speaker 2: on doing it this. Summer and as he looked in

712
00:34:04,840 --> 00:34:06,680
Speaker 2: and he was getting quotes on what it would cost,

713
00:34:06,680 --> 00:34:10,000
Speaker 2: here even with, insurance how much it was going to

714
00:34:10,040 --> 00:34:11,880
Speaker 2: set him back here to get the procedure done in

715
00:34:11,880 --> 00:34:15,799
Speaker 2: The United, states it was very, costly so much, money very,

716
00:34:15,840 --> 00:34:20,239
Speaker 2: Costly and he did his. Research he found there was

717
00:34:20,440 --> 00:34:24,800
Speaker 2: there's a doctor In england that performs actually a better

718
00:34:24,880 --> 00:34:27,359
Speaker 2: surgery that's less, invasive that you recover more quickly. From

719
00:34:27,400 --> 00:34:29,319
Speaker 2: it's going to cost him less. Money so he gets

720
00:34:29,320 --> 00:34:31,840
Speaker 2: a little little trip out of this with his family

721
00:34:32,360 --> 00:34:34,640
Speaker 2: and it's going to the recovery time is not going

722
00:34:34,680 --> 00:34:36,000
Speaker 2: to be nearly as bad as not going to. Be

723
00:34:36,080 --> 00:34:38,200
Speaker 2: to deal with what the savings, Was i'm assuming this

724
00:34:38,280 --> 00:34:40,080
Speaker 2: is like a closest six figure kind of.

725
00:34:40,160 --> 00:34:43,560
Speaker 1: SURGERY i think it's something close to. There i'm sure

726
00:34:43,560 --> 00:34:45,040
Speaker 1: with insurance it would have cost him a whole lot

727
00:34:45,080 --> 00:34:49,040
Speaker 1: less than, that but even still going overseas WAS i

728
00:34:49,040 --> 00:34:51,360
Speaker 1: think the price was probably, similar but he was, like,

729
00:34:51,360 --> 00:34:52,840
Speaker 1: oh this is, superior And i'm going to get a

730
00:34:52,840 --> 00:34:53,200
Speaker 1: trip out of.

731
00:34:53,200 --> 00:34:55,359
Speaker 2: It let's. Go so it.

732
00:34:55,400 --> 00:34:57,920
Speaker 1: Is it's one of those THINGS i, think when you

733
00:34:57,960 --> 00:35:01,239
Speaker 1: look at what's happened with medical costs in our, country

734
00:35:01,440 --> 00:35:05,640
Speaker 1: it's less ridiculous than ever before to think about traveling

735
00:35:05,680 --> 00:35:07,920
Speaker 1: to get your medical work, done depending on what it.

736
00:35:07,960 --> 00:35:10,120
Speaker 2: Is, sure, yeah, Okay so a less extreme way to

737
00:35:10,160 --> 00:35:13,520
Speaker 2: save money grocery shopping in a way that is more.

738
00:35:13,560 --> 00:35:18,640
Speaker 2: STRATEGIC a Recent kiplinger article recommends not just creating a

739
00:35:18,760 --> 00:35:21,680
Speaker 2: list and sticking to, it but seeing what you already

740
00:35:21,719 --> 00:35:24,279
Speaker 2: have on, hand planning out your meals around what's in your,

741
00:35:24,280 --> 00:35:26,640
Speaker 2: fridge what's in your. Pantry how that's going to be

742
00:35:26,640 --> 00:35:28,759
Speaker 2: a recipe for saving, more which sounds like good old

743
00:35:28,800 --> 00:35:32,600
Speaker 2: fashioned meal. Planing. JOEL i wonder if like some people

744
00:35:32,600 --> 00:35:34,520
Speaker 2: playing the meal but they just and then they go

745
00:35:34,560 --> 00:35:36,680
Speaker 2: buy everything they, need but they're not thinking about what

746
00:35:36,719 --> 00:35:38,600
Speaker 2: they already. Have, no you got to start with what

747
00:35:38,680 --> 00:35:39,920
Speaker 2: you got out of. Home you got you have to

748
00:35:39,960 --> 00:35:42,520
Speaker 2: take stock. Man and this is something THAT i am

749
00:35:42,520 --> 00:35:44,600
Speaker 2: proud to say that we've been doing a good bit

750
00:35:44,600 --> 00:35:48,040
Speaker 2: more of. Lately in, particular we've got a whole lot

751
00:35:48,040 --> 00:35:50,480
Speaker 2: of grant like. These kate will go to The International

752
00:35:50,520 --> 00:35:53,120
Speaker 2: Farmer's market and buy some of these exotic grains and

753
00:35:54,600 --> 00:35:57,080
Speaker 2: and it's really. Cool they're really, pretty they've got cool,

754
00:35:57,160 --> 00:36:00,000
Speaker 2: names really high nutrition value in some of these. Things

755
00:36:00,120 --> 00:36:02,560
Speaker 2: BECAUSE i don't know, WHY i don't know the colors or.

756
00:36:02,600 --> 00:36:06,520
Speaker 2: Something but it takes a little bit more. Work i'm

757
00:36:06,520 --> 00:36:11,560
Speaker 2: not gonna pretend that it's just as easy to hit, default, Right,

758
00:36:11,560 --> 00:36:13,160
Speaker 2: like there are certain meals that we know how to

759
00:36:13,160 --> 00:36:14,960
Speaker 2: cook when we go to the grocery, store we buy those.

760
00:36:15,000 --> 00:36:17,759
Speaker 2: Things we come, home and if it takes a little

761
00:36:17,800 --> 00:36:20,200
Speaker 2: more creativity to cook the things that you already have

762
00:36:20,239 --> 00:36:22,000
Speaker 2: at home and to use certain items in a different.

763
00:36:22,040 --> 00:36:24,279
Speaker 2: Way and so when it comes to like the like

764
00:36:24,560 --> 00:36:27,160
Speaker 2: it's like you ride doll or something like it's like,

765
00:36:27,200 --> 00:36:29,000
Speaker 2: THIS i don't even, know it's like some kind of

766
00:36:29,000 --> 00:36:32,160
Speaker 2: beans like this. Earthy, okay maybe it's grain or. SOMETHING

767
00:36:32,200 --> 00:36:35,440
Speaker 2: i don't. Know but we had some amazing stuffs an

768
00:36:35,440 --> 00:36:38,879
Speaker 2: amazing curry earlier this. Week and it feels so good

769
00:36:39,120 --> 00:36:41,440
Speaker 2: to utilize what you already have on. Hand it feels

770
00:36:41,440 --> 00:36:44,560
Speaker 2: so good to not be wasteful and to feel like

771
00:36:44,719 --> 00:36:48,640
Speaker 2: you are, adventurous exotic eater who's eating food from all

772
00:36:48,640 --> 00:36:50,800
Speaker 2: over the. World so at the same, time, yeah AND

773
00:36:51,200 --> 00:36:51,600
Speaker 2: i love this.

774
00:36:51,680 --> 00:36:54,120
Speaker 1: Idea just you can implement it. Whenever just, hey look

775
00:36:54,160 --> 00:36:56,200
Speaker 1: and see what you have in your, pantry your, freezer and,

776
00:36:56,320 --> 00:36:58,600
Speaker 1: say how can we get rid of a bunch of

777
00:36:58,640 --> 00:37:00,400
Speaker 1: this stuff by making meals with the we have on

778
00:37:00,480 --> 00:37:02,520
Speaker 1: hand over the next, week week and a, Half and in,

779
00:37:02,520 --> 00:37:04,759
Speaker 1: PARTICULAR i think the best time to do that is

780
00:37:04,840 --> 00:37:05,560
Speaker 1: before you go on a.

781
00:37:05,560 --> 00:37:07,840
Speaker 2: TRIP i, well, DUDE i love. That it's such the

782
00:37:07,880 --> 00:37:09,719
Speaker 2: week before were such a great game to.

783
00:37:09,719 --> 00:37:12,080
Speaker 1: Play it's, like no grocery run unless we need like

784
00:37:12,200 --> 00:37:15,880
Speaker 1: bananas or milk and, eggs yeap, milk eggs and, bananas

785
00:37:15,880 --> 00:37:17,359
Speaker 1: like those are the three THINGS i WILL i will

786
00:37:17,360 --> 00:37:20,319
Speaker 1: make an exception. For other than, that it's, like, no

787
00:37:20,360 --> 00:37:22,120
Speaker 1: we're just eating what we have on. Hand and then

788
00:37:22,320 --> 00:37:24,640
Speaker 1: you come back and you make the grocery store, order

789
00:37:24,800 --> 00:37:27,680
Speaker 1: then you go to the grocery run when when you.

790
00:37:27,760 --> 00:37:29,799
Speaker 1: Return that's the best way to go about. It so

791
00:37:30,040 --> 00:37:31,920
Speaker 1: if you got a trip coming, up this is a

792
00:37:31,960 --> 00:37:35,680
Speaker 1: perfect time to reduce your pantry stock and eat what's

793
00:37:35,680 --> 00:37:39,560
Speaker 1: in your, freezer because, yeah it just feels so. Good

794
00:37:39,600 --> 00:37:41,560
Speaker 1: it feels so good to come home and then. Replenish

795
00:37:41,640 --> 00:37:43,319
Speaker 1: if you got steaks in your, freezer it's not nearly as.

796
00:37:43,320 --> 00:37:45,520
Speaker 1: Painful i've Got i've got a still have some steaks on.

797
00:37:45,560 --> 00:37:48,359
Speaker 2: Hand, yeah BECAUSE i took advantage of the seventy five

798
00:37:48,360 --> 00:37:50,920
Speaker 2: dollars off per the giant side Of ribby and cut

799
00:37:50,920 --> 00:37:52,839
Speaker 2: my Own oh, yeah cut my own Rib, buys which

800
00:37:52,920 --> 00:37:53,360
Speaker 2: was the.

801
00:37:53,440 --> 00:37:55,480
Speaker 1: Ultimate, well let's say this, Means, matt that you are

802
00:37:55,560 --> 00:37:58,239
Speaker 1: essentially independently, wealthy because have you seen what's happening with stake?

803
00:37:58,239 --> 00:38:01,160
Speaker 1: Prices they have gone up seventeen percent year over. Year,

804
00:38:01,200 --> 00:38:04,640
Speaker 1: man well it's. Insane ground beef prices on the rise as,

805
00:38:04,680 --> 00:38:07,920
Speaker 1: well and it, just, yeah depends on what you are.

806
00:38:07,920 --> 00:38:10,279
Speaker 1: PRIORITIZING i will, say, like we don't eat steake a,

807
00:38:10,280 --> 00:38:13,600
Speaker 1: ton BUT i feel like IT'S i, mean we got

808
00:38:13,640 --> 00:38:15,560
Speaker 1: the biggest slab because it was on, sale but typically

809
00:38:15,560 --> 00:38:17,719
Speaker 1: we'll eat stake a couple of, times a couple times a.

810
00:38:17,760 --> 00:38:21,000
Speaker 1: Month and last TIME i did go to the To

811
00:38:21,120 --> 00:38:23,760
Speaker 1: costco looking for a nice, SALE i didn't see. Anything

812
00:38:24,080 --> 00:38:26,919
Speaker 1: and so EVEN i think the ability to downgrade quote

813
00:38:26,960 --> 00:38:30,800
Speaker 1: unquote downgrade and get like The costco organic ground. Beef

814
00:38:31,080 --> 00:38:33,080
Speaker 1: you know it's got the three. Pack, yeah that's really good.

815
00:38:33,080 --> 00:38:36,239
Speaker 2: Stuff. Man the ability, like but it's still. Expensive it's still,

816
00:38:36,280 --> 00:38:39,239
Speaker 2: expensive but it's not as. Expensive so figure out for.

817
00:38:39,440 --> 00:38:41,680
Speaker 2: Us that was our, treat, right the ability to grill

818
00:38:41,719 --> 00:38:44,520
Speaker 2: Some burger's last. Weekend the weather was a little bit.

819
00:38:44,600 --> 00:38:47,600
Speaker 2: Nicer it was, fantastic, Man but finding out what the

820
00:38:47,719 --> 00:38:49,759
Speaker 2: more affordable option is going to be for, you and

821
00:38:49,760 --> 00:38:52,600
Speaker 2: how aggressively you're trying to attack your grocery.

822
00:38:52,600 --> 00:38:55,800
Speaker 1: Budget what's interesting to me, though is how as prices

823
00:38:55,840 --> 00:38:59,120
Speaker 1: have kind of stayed, inflated have like continued to creep

824
00:38:59,200 --> 00:39:02,680
Speaker 1: up on on ground ground beef and steak and red

825
00:39:02,680 --> 00:39:06,680
Speaker 1: meat in, general consumers haven't really changed their, Ways like

826
00:39:06,719 --> 00:39:09,600
Speaker 1: it seems like there. Hasn't they, haven't, Bunch they're, like all,

827
00:39:09,680 --> 00:39:13,319
Speaker 1: Right i'm just gonna continue paying. This AND i don't

828
00:39:13,320 --> 00:39:15,600
Speaker 1: know if it's because they're adjusting their budget, Accordingly, matt

829
00:39:15,600 --> 00:39:18,560
Speaker 1: and they're they're spending less in other. Areas but something's

830
00:39:18,600 --> 00:39:21,200
Speaker 1: telling me that's probably not the case that they're just

831
00:39:21,239 --> 00:39:23,560
Speaker 1: like sticking it on the credit, card, right and so

832
00:39:23,719 --> 00:39:25,520
Speaker 1: that is that's what you want to, Avoid like if

833
00:39:25,520 --> 00:39:28,640
Speaker 1: you're just used to buying steak and you're, like, oh

834
00:39:28,640 --> 00:39:31,160
Speaker 1: the price keeps going, Up i'm gonna keep buying. It that's, okay,

835
00:39:31,360 --> 00:39:34,080
Speaker 1: right it to keep buying. It but just make sure

836
00:39:34,120 --> 00:39:37,080
Speaker 1: you actually have the money and you can afford afford,

837
00:39:37,120 --> 00:39:40,200
Speaker 1: it because, yeah when you're talking about eighteen twenty bucks

838
00:39:40,800 --> 00:39:45,040
Speaker 1: a pound for like a, nice a decent, ribbi a Decent, Rabbi,

839
00:39:45,120 --> 00:39:46,680
Speaker 1: matt that isn't even like a fancy. One just that's

840
00:39:46,800 --> 00:39:48,680
Speaker 1: like a decent rabby these, days which is. INSANE i

841
00:39:48,719 --> 00:39:51,319
Speaker 1: think it costs for choice these. Days, yeah just make

842
00:39:51,360 --> 00:39:52,000
Speaker 1: sure you're not doing it.

843
00:39:52,000 --> 00:39:55,359
Speaker 2: Mindlessly, yeah and don't don't sleep on. FISH i saw that.

844
00:39:56,400 --> 00:39:59,640
Speaker 2: Salmon there's been a dip in salmon prices because there's

845
00:39:59,680 --> 00:40:03,319
Speaker 2: been a a glut In norwegian's salmon coming From. Norway. Good,

846
00:40:03,560 --> 00:40:05,279
Speaker 2: Yeah i'll love me some, Salmon so go get you

847
00:40:05,320 --> 00:40:07,200
Speaker 2: some of that and there you. Go it's also quite

848
00:40:07,239 --> 00:40:08,200
Speaker 2: healthy for. You All.

849
00:40:08,280 --> 00:40:10,000
Speaker 1: Right that's gonna do it for this. Episode we'll put

850
00:40:10,040 --> 00:40:12,200
Speaker 1: links in the show notes to some of the stuff

851
00:40:12,239 --> 00:40:15,040
Speaker 1: we mentioned on the show, Today and as, always you

852
00:40:15,040 --> 00:40:18,080
Speaker 1: can find more money saving help and information at how

853
00:40:18,080 --> 00:40:20,160
Speaker 1: to money dot com and and the how To Money facebook.

854
00:40:20,200 --> 00:40:22,239
Speaker 2: Group yeah, boy that's gonna be, It so until next,

855
00:40:22,239 --> 00:40:24,919
Speaker 2: time best friends, out best friends, out