Speaker 1: Welcome to How the Money. I'm Joel, I'm not Today
Speaker 1: we're talking tariff turmoil, winning so much and border hopping
Speaker 1: for bargains. You know, buddy, this is our Friday flight.
Speaker 1: We hope everyone has had a wonderful week so.
Speaker 2: Far, and we are in fact going to get to
Speaker 2: the top headlines the personal finance news that you can use.
Speaker 1: Charlie Sheen is the patron saint of this episode. Winning
Speaker 1: when that is thing, winning.
Speaker 2: So hard, when they're like Tiger Tiger's milker.
Speaker 1: He did a lot of crazy stuff in his day,
Speaker 1: as detailed in his memoir that you can read. Okay,
Speaker 1: real quick, Matt and I will not belabor the point,
Speaker 1: but the We've got a lot of emails about and
Speaker 1: comments in the Facebook group about my unwillingness or distaste
Speaker 1: for paying Apple for storage space right for photos essentially.
Speaker 1: And somebody wrote into to us and one of their
Speaker 1: suggestions was like, wait a second, you have Amazon Prime.
Speaker 1: Amazon Prime has free photo storage.
Speaker 2: Dude, And I was like, oh, oh, who knew that? Yeah,
Speaker 2: that's right. I totally I totally forgot. That was totally
Speaker 2: off my radar. You know, you know why we don't
Speaker 2: know that is because the Amazon Prime ecosystem is so
Speaker 2: complicated and there are so many different options that's not streamlined,
Speaker 2: it's not intuitive, and so it doesn't surprise me. There's
Speaker 2: probably a whole host of features, features that we have
Speaker 2: available to us that we're not taking advantage of it
Speaker 2: because I haven't clicked onto that secondary nay Tertiary's sub menu,
Speaker 2: dropped down hine option that's available. It is.
Speaker 1: It's one of those things I work because I think
Speaker 1: you said you spend ten bucks a month on storage
Speaker 1: right with with with Apple, And I was like, oh, man,
Speaker 1: ten bucks, that's one hundred twenty bucks a year. That's
Speaker 1: like not too far off the price of literally just Prime.
Speaker 1: And I talked about maybe just maybe ditching Prime.
Speaker 2: Do I want to?
Speaker 1: Will I with this added perk and taking advantage of
Speaker 1: it, It seems like that makes Prime feel like it's even
Speaker 1: more Do you know worth the expense?
Speaker 2: Right? Do you know the details of the photostors as
Speaker 2: the quantity onlimited photos? Okay, only up to ten gigs
Speaker 2: worth of video, so photos just got go to my
Speaker 2: heart's content videos though there's a limit. Yeah, do you
Speaker 2: know how many videos you have? Do you take it
Speaker 2: a whole lot of bit I uploaded all my stuff
Speaker 2: to eat it. Oh yeah, oh yeah, I took advantage
Speaker 2: and it had a little gauge to tell you how
Speaker 2: much space you had left.
Speaker 1: At one point it was like, say, you can't upload
Speaker 1: any more videos, so definitely have more than ten gigs
Speaker 1: or the videos. So I I don't know what I'm
Speaker 1: gonna do about that. Maybe I going and delete something
Speaker 1: that I don't care about, go to the video. Yeah,
Speaker 1: but at least at least all the photos you upload
Speaker 1: those videos.
Speaker 2: To snapfish or whatever it was that you were looking at.
Speaker 2: Maybe that's a good point.
Speaker 1: Yeah, So maybe I can like patch work this together
Speaker 1: and uh and save money. And Aaron, by the way,
Speaker 1: email about that, And got another email from listener Shannon
Speaker 1: who is trying something called pea Cloud. And I just
Speaker 1: want to mention this because I love this sort of model.
Speaker 1: It's you pay once and you get it for life.
Speaker 1: You pay more, a lot more, because it's like four
Speaker 1: hundred dollars for two hundred gigs for life or something
Speaker 1: like that. The only potential downside is what if pea
Speaker 1: cloud fails? Right, And this is the case for a
Speaker 1: lot of service for life companies. You're like, oh great,
Speaker 1: I never have to pay for this again, right, and
Speaker 1: I love that idea. But if the company fails, you're
Speaker 1: got a lot of money. Sorry, out of luck, but
Speaker 1: at least I've got a decent solution for now.
Speaker 2: Well then on top of that, too, less likely that
Speaker 2: you have to run out and pick something up because
Speaker 2: you can order something on Prime and have it show
Speaker 2: up later in the afternoon. Press dude, let's talk about
Speaker 2: the Supreme Court ruling. This is one that came out
Speaker 2: actually last Friday, after we had published our Friday Flight.
Speaker 2: But in a six' to three, ruling The Supreme court
Speaker 2: said that the president's tariff policy is. Unconstitutional and why
Speaker 2: they said that was the, case it's pretty. Crucial so
Speaker 2: the president can't use the i e. E. P a
Speaker 2: to justify. Tariffs, essentially the dealing out and the reeling
Speaker 2: in of terrorists from a single individual exceeds the power
Speaker 2: of the executive. Office so you might be, thinking, all, right,
Speaker 2: well who? Terrorists they are no more all thanks to
Speaker 2: The Supreme. Court right quite. Yeah he immediately was, like, uh,
Speaker 2: Nope we're gonna do terroists this way. Now so he's
Speaker 2: sticking to his guns and by.
Speaker 1: The way you CUT I E E P a iepah
Speaker 1: is what people call IT, aipa The International Emergency Economic Powers.
Speaker 2: Act yeah, yeah in case you're like a nerd and
Speaker 2: you want to, KNOW i want to dive into the.
Speaker 2: Policy but he's essentially justifying the tariffs now by other
Speaker 2: potentially legal or potentially illegal. Means but, like it makes
Speaker 2: me think Of President biden's attempts to bring about student
Speaker 2: loan forgiveness, right very, similar where he's just, Like i'm
Speaker 2: pretty sure this is, unconstitutional but we're gonna we're gonna
Speaker 2: go for it, anyway figure it out. Later And President
Speaker 2: trump he's trying to do the same with terras via
Speaker 2: other legal, maneuvers so terras will likely be forced to
Speaker 2: be less. Capricious, Right, Like as to why it is
Speaker 2: that whimsicle makes it sound, Fun, yeah like creative and
Speaker 2: fantastical as opposed to emotional knee jerk, reaction which is,
Speaker 2: like it seems like it's based more on whether or
Speaker 2: not you received a gold bar from a country as
Speaker 2: to your. Teriff for it seems more likely that you
Speaker 2: are going to receive less terrorists placed in your country
Speaker 2: where you to award The Nobel Peace, prize for, instance
Speaker 2: these are this is the kind.
Speaker 1: Of reasons given for implementing.
Speaker 2: Terrorists don't love that kind of, policy. MAN i will
Speaker 2: say the current terrafts that have been stated they have
Speaker 2: an expiration. DAY i think it's one hundred and fifty,
Speaker 2: days and so in order for those to. Continue it
Speaker 2: is interesting Because congress is actually going to be forced
Speaker 2: to act to actually make this a part of, legislation
Speaker 2: as opposed to them being able to sit back and
Speaker 2: have the tar ers essentially go. On and definitely it's
Speaker 2: sort of the shoes on the other.
Speaker 1: FOOT i know you missed talking about, tariffs SO i
Speaker 1: know you're thrilled to be able to talk about it.
Speaker 2: Today, again it's a little frustrating because do people truly
Speaker 2: feel the impact of tariffs is tough to, know, right
Speaker 2: given more prices and all the factors that go into
Speaker 2: higher PRICE i think when you're.
Speaker 1: Talking about most of the people listening and what they
Speaker 1: pay at the, store it's been less felt than some
Speaker 1: economists had. Predicted but when you hear the stories of
Speaker 1: individual small business owners who are confronted with spectacular tariffs
Speaker 1: that they hadn't planned, for that's where you, see oh my,
Speaker 1: gosh this is a real problem for a not insignificant
Speaker 1: number of. People and it's easier for the costcos of
Speaker 1: this world to endure tariffs than it is for those
Speaker 1: small business. Owners and by the, way the headline of
Speaker 1: the most Recent Reason roundtable podcast Was trump replaces old
Speaker 1: illegal tariffs with new illegal, tariffs AND i JUST i
Speaker 1: love that BECAUSE i think it gets to the heart
Speaker 1: of the. Matter but, yeah that's pretty dating accurate ambiguity
Speaker 1: ambiguity of tariff. Policy it just it's a it's a
Speaker 1: source of anxiety and frustration for businesses right when they're
Speaker 1: attempting to, plan and so that is at the HEART
Speaker 1: i think of the problem of these. TARIFFS i think
Speaker 1: if we had some sort of like congressional implementation of
Speaker 1: tariffs that that was clear, cut understood and long, lasting
Speaker 1: then people would be a little bit less frustrated by.
Speaker 1: It but you're, right it's the capricious, nature the ever
Speaker 1: changing reality of tariff policy that really frustrated a lot
Speaker 1: of small business, owners that made it hard to plan
Speaker 1: and in fact put some small businesses either out of
Speaker 1: business or behind the eight ball when it came to
Speaker 1: moving their business, forward made it almost impossible to plan,
Speaker 1: for which is a frustrating.
Speaker 2: Thing, well speaking of behind a, ball it seems like
Speaker 2: it's the magic eight ball That trump is using to
Speaker 2: decide whether or not.
Speaker 1: Sure it's all signs, yes, yeah, yeah. Okay so what's
Speaker 1: going to happen? Now when a bunch of businesses of
Speaker 1: filed lawsuits about getting refunds for tariff it's probably not
Speaker 1: going to proceed, Smoothly and The Supreme court kind of,
Speaker 1: said we're not really weigh in on. That we'll let
Speaker 1: the lower courts handle that. Stuff so we'll see how
Speaker 1: the refund process plays. Out my guess, Is matt will
Speaker 1: we'll keep talking about tariffs sadly for months to, come
Speaker 1: hopefully just not on the.
Speaker 2: Rig so going back to kind of what we're saying,
Speaker 2: before it makes sense that we should be talking about
Speaker 2: terrorists because of the fact that that they impact the,
Speaker 2: Economy but at the same, time the way that they
Speaker 2: are being implemented makes me like it's just giving more
Speaker 2: attention to the spectacle of our current day, politics which
Speaker 2: is the part of it THAT i hate so. Much
Speaker 2: it makes me think of The state of The union,
Speaker 2: address which were you excited to tune in to that
Speaker 2: BECAUSE i caught the highlights or low. Lights, however you
Speaker 2: THINK i didn't even do. THAT i, mean, WELL i
Speaker 2: guess listening to news wrap ups and stuff like, that
Speaker 2: folks were highlighting the different aspects of.
Speaker 1: It BUT i had to hear's some of the economic
Speaker 1: proposals and thoughts just BECAUSE i feel, like which we've
Speaker 1: got to cover.
Speaker 2: That, yeah we definitely need to mention. That BUT i
Speaker 2: would rather us do away with The state of The
Speaker 2: union because it is just the performative politics nature of
Speaker 2: what our politics.
Speaker 1: Is.
Speaker 2: Man this is like totally the politics segment portion of
Speaker 2: the podcast, today of the. Show but it makes me
Speaker 2: think about like even The senate hearings that we, have
Speaker 2: where it's just a lot of people yelling and pointing
Speaker 2: fingers and it's like an episode of Like Real housewives
Speaker 2: or something in the cats there pointing out the lady as.
Speaker 2: Well that's what it feels. Like that part of IT
Speaker 2: i hate so. Much even though there were some interesting
Speaker 2: things that That trump mentioned during The state of The, union.
Speaker 1: Well he said we're winning so much like his the
Speaker 1: way he touts what's happening in the economy is through a,
Speaker 1: filter and the filter is and, GOSH i again trying
Speaker 1: not to get too political. Here WHEN i took office In,
Speaker 1: january everything turned around And America's america is great.
Speaker 2: Again that's what executives do at The state of The,
Speaker 2: union right every every stinking. Year that's WHY i hate
Speaker 2: it so, much because it's just them touting their own
Speaker 2: their own quote unquote. Wins you talked about, how like How,
Speaker 2: Biden President biden attempted to treat student low and forgiveness
Speaker 2: is very similar to How President trump is has treated
Speaker 2: and attempted to implement. TARIFFS i think that's, true AND
Speaker 2: i think the same is true for both of these
Speaker 2: presidents in terms of how they're trying to spin what's
Speaker 2: happening in the. Economy both are, LIKE i don't what
Speaker 2: are you talking? About everything's?
Speaker 1: Great, Yeah and the when you actually step back and
Speaker 1: look from a macro, perspective there are a lot of
Speaker 1: things to be excited about in terms of our. Economy,
Speaker 1: LIKE i don't think things are as bad as some
Speaker 1: of the political pundits want to make it, sound, agreed
Speaker 1: and it's.
Speaker 2: Also not as good as others are also trying to
Speaker 2: make it.
Speaker 1: So and also when people feel like things aren't, great
Speaker 1: you don't come in and Like jedi my trick and
Speaker 1: say what are you talking?
Speaker 2: About?
Speaker 1: Man things are, awesome and you're, like, oh, yeah you're. Right,
Speaker 1: no that's just not how it, works and people want
Speaker 1: to be understood in their. Frustration Is america as hot
Speaker 1: As cancel In? ZOOLANDER i don't think. So, LIKE i
Speaker 1: just don't think that's. True but, again when you look
Speaker 1: at the progress post, pandemic progress in Particular matt of
Speaker 1: our country when it came to like Taming, inflacio when
Speaker 1: it comes to economic, growth and things are better In
Speaker 1: america than in almost any other part of the, club that's.
Speaker 2: True, Okay so one thing that's worth highlighting That trump
Speaker 2: did mention is the matching retirement funds for individuals who
Speaker 2: don't have a four to ONE k at their. Work
Speaker 2: so starting next, year this is what's proposed that you
Speaker 2: are going to get a one thousand dollars match if
Speaker 2: you contribute two thousand. Dollars there's not a whole lot
Speaker 2: of details given because obviously this is very, performative but
Speaker 2: evidently the account's going to be similar to THE, tsp
Speaker 2: The Thrift Savings, plan which federal employees are quite familiar
Speaker 2: with and this is going to be particularly helpful for
Speaker 2: the folks out there who are self, employed for folks
Speaker 2: who are working at jobs that don't offer retirement, accounts
Speaker 2: WHICH i, MAN i totally love this and WHETHER i
Speaker 2: don't want to get overly excited about it, though because
Speaker 2: this is a proposal from the presidents and it seems
Speaker 2: like going back to The Supreme. Court one of the
Speaker 2: reasons that they cited for That trump wasn't able to
Speaker 2: do this was because in The, Constitution article one talks
Speaker 2: about how it's in Fact congress's job to be able
Speaker 2: to levy TAXES i will say the control of the.
Speaker 1: Purse it sounds like the methodology that he can use
Speaker 1: to implement this is from The Secure act right that
Speaker 1: was Implemented securect two point. Zero and if that's the,
Speaker 1: case then this really could come about with very little
Speaker 1: legal issue can.
Speaker 2: Argue but how durable is It at the same, time
Speaker 2: that's a good question as opposed to being implemented in
Speaker 2: a more congressional legislative sort of.
Speaker 1: Approach if it comes to, PASS i think it's a
Speaker 1: really exciting, development especially for like small business owners out.
Speaker 1: There like you talked about how when you ran your photography.
Speaker 1: Business you never had access to a match like. You
Speaker 1: it was all on your, back and so that's that's. Cool,
Speaker 1: OH i love the idea of.
Speaker 2: It, yeah, ABSOLUTELY i just hope it comes about the right. Way,
Speaker 2: YEAH i don't want to downplay how huge this could
Speaker 2: be for. INDIVIDUALS a fifty percent match on two thousand
Speaker 2: dollars of retirement investing in retirement. Savings that's, massive, Man
Speaker 2: like that could be so huge for so Many. Americans for,
Speaker 2: That i'm really, excited and this is certainly something we'll
Speaker 2: keep an eye.
Speaker 1: On the only downside is how does our how do
Speaker 1: we come up with the funds as a country to
Speaker 1: pay for. That i'll figure that out, later just adding
Speaker 1: it on to the national. DEBT i guess last thing
Speaker 1: that we should address From state of The union Is
Speaker 1: President trump also mentioned briefly the topic of Limiting congress's
Speaker 1: ability to trade individual. Stocks that's sure also something we
Speaker 1: can get. Behind we've been talking abouts for a long.
Speaker 1: Time it's how big of a difference is that going
Speaker 1: to make for the Average? American not, much but it
Speaker 1: WILL i think at least create a sense that we
Speaker 1: that our congress people are not using information they get
Speaker 1: that we don't have access to to make money while
Speaker 1: they're in. Office totally, Agreeing all, right let's talk about housing.
Speaker 1: Map homeowners are most frustrated by maintenance, cost apparently in
Speaker 1: surprise repairs that they have to they have to pay
Speaker 1: for these. DAYS a new report From hippo finds that
Speaker 1: one of the biggest financial concerns of home ownership along
Speaker 1: with rising home insurance costs right and property. Taxes those
Speaker 1: are two line items that Have you've probably seen your
Speaker 1: mortgage payment go up in the past few years because
Speaker 1: of those two. Things, well it's the increased cost of
Speaker 1: taking care of your. Home that's another big thing that
Speaker 1: people are feeling overwhelmed. By and this REVEALS i think
Speaker 1: a few. Things, one home ownership not. Cheap along with you,
Speaker 1: know higher monthly payments higher than what you're paying to,
Speaker 1: rent you're also signing up for bigger one time. Expenses
Speaker 1: it's crucial obviously to budget for potential issues that could
Speaker 1: arise as a. Homeowner the average rule OF Thumbi we've
Speaker 1: outlined this in the past is to have something like
Speaker 1: one to two percent of your home, value your home's
Speaker 1: value set aside every single year for things you have
Speaker 1: to do to repair your.
Speaker 2: House.
Speaker 1: MATT i think, like let's say your home is worth
Speaker 1: eight hundred thousand dollars right then you're talking about having
Speaker 1: between eight and sixteen thousand dollars set up side for
Speaker 1: things you need to do to your. Home do you
Speaker 1: think that's excessive or do you think that that.
Speaker 2: Probably pretty thing?
Speaker 1: Accurate But i'm guessing that's not what most folks are, doing.
Speaker 1: Agreed and it just really depends too on the status
Speaker 1: of your home because one to two percent that's like
Speaker 1: a big. Gap take a look in particular at the
Speaker 1: at the main systems of your, home your your roof
Speaker 1: and YOUR. Hvac those are two big, things like how
Speaker 1: how long has it been since those have been? Replaced
Speaker 1: if if it hasn't been, long then you could probably
Speaker 1: stick to closer to one percent of your home's. Value
Speaker 1: but if you're, like oh, god it was getting pretty
Speaker 1: up there in age pass roof can be that can
Speaker 1: take your whole budget for that one year in terms
Speaker 1: of in terms of your. Home but it's crucial to
Speaker 1: set money aside for those expenses and to factor that
Speaker 1: into on the front end when you're thinking about buying
Speaker 1: a home or or you can start figuring some of
Speaker 1: that out.
Speaker 2: Yourself, yes we talked about, this, okay so we talked
Speaker 2: about the coffee bar On. Monday. Right here's a new
Speaker 2: wrinkle which AND i are already shared this with you
Speaker 2: a little, bit so this is more for the listeners out.
Speaker 2: There but evidently there is a upstairs bathroom drain line
Speaker 2: goes through one of the walls of the coffee, bar and,
Speaker 2: EVIDENTLY i think for at least four or five, years
Speaker 2: it's been leaking some down in the, basement not like,
Speaker 2: terribly but you can see where it's gotten wet and,
Speaker 2: dried and it's crusty and. Gross and what a great
Speaker 2: time to go ahead and bust open that wall and
Speaker 2: make sure that the leak isn't originating within the wall
Speaker 2: as opposed to right as the pipe passes through the cross.
Speaker 2: Space and with the knowledge and Experience i've gained over
Speaker 2: the past nine months when it comes to, PLUMBING i
Speaker 2: had very little to worry. About, WELL i don't know
Speaker 2: that sounds. RECKLESS i felt empowered to be able to
Speaker 2: take that project on, myself and so SOMETHING i was
Speaker 2: able to knock out last. Weekend it's also cut into
Speaker 2: a three inch, waistline got some fresh WHITE, pbc ran
Speaker 2: that through the, floor got it all plumbed, up good to.
Speaker 2: Go dot was back to shower before she even knew.
Speaker 2: It she didn't miss.
Speaker 1: It this isarly like when you think about the major
Speaker 1: costs of these home, produces it's labor, Right, LIKE i
Speaker 1: don't Even, yeah it wasn't as much the case a decade.
Speaker 1: AGO i think it was closer to fifty to, fifty
Speaker 1: but NOW i think it's siler's hourly.
Speaker 2: Rate it's.
Speaker 1: Insane it's like it's at least sixty five to thirty
Speaker 1: five in terms of labor versus the. Materials and so
Speaker 1: the more you can take on or do, yourself especially
Speaker 1: those smaller projects that can help lead to bigger projects
Speaker 1: that will at least reduce how much you need to
Speaker 1: have saved if you feel like you can tackle those
Speaker 1: projects on your.
Speaker 2: Own it makes me think of an attorney friend of,
Speaker 2: ours and he owns some properties as, well and he
Speaker 2: always hates painting plumbers because he's just, like their hourly
Speaker 2: rate is more than WHAT i get. Paid he's, Like
Speaker 2: i'm gonna start being a. Plumber but with these high
Speaker 2: prices of, homes this is why more Young americans are
Speaker 2: finding themselves being content to. Rent and it's not that
Speaker 2: folks don't think that they're that they're ever going to
Speaker 2: be able to buy a, home ALTHOUGH i think that
Speaker 2: might be part of, It but it's also because they've
Speaker 2: been investing more and with that they have seen their
Speaker 2: wealth increase, significantly and as monthly remains a good bit
Speaker 2: cheaper than, buying folks are starting to even just question
Speaker 2: the entire premise of purchasing a home right like it
Speaker 2: used to be the sort of default sort of thing of, like, oh,
Speaker 2: yep you're throwing money away if you're, renting you need
Speaker 2: to buy a, Home but it all comes down to
Speaker 2: what you are doing with those funds. Instead and as
Speaker 2: more folks are sticking money into the, market and they're
Speaker 2: seeing that those dollars increase faster than, housing and that's
Speaker 2: what YOU i, Mean this isn't just a recent. Phenomena
Speaker 2: you look back over the data from the past hundred,
Speaker 2: Years the average amount of home equity increases that folks
Speaker 2: have seen have not kept up with what the market
Speaker 2: has done over the long. Haul so that's the biggest trick,
Speaker 2: THOUGH i, think is whether or not folks will actually
Speaker 2: do that with that. Money but the people who, are
Speaker 2: but the folks who are are seeing their wealth increase.
Speaker 2: Significantly and it also doesn't surprise. Me we were just
Speaker 2: talking about the potentially new retirement government, sponsored government backed
Speaker 2: match with A tsp like retirement. Plan but the majority
Speaker 2: Of americans who are working full time have access to
Speaker 2: a four to ONE, k and so it doesn't surprise
Speaker 2: me that we're seeing more folks enter into the. Workforce
Speaker 2: and all of the new four ONE k plans have
Speaker 2: to auto enroll their, employees and so you've got this
Speaker 2: entire generation of folks who are getting they got that stealth.
Speaker 2: Wealth they don't even realize it until they sit down
Speaker 2: at the end of the year and they're, LIKE, whoa
Speaker 2: where did that come? From, yeah that's. Awesome and they
Speaker 2: feel less of that pressure where to purchase a, home
Speaker 2: whereas previous generations maybe they had fatter deposits every two
Speaker 2: weeks in their account that you, know they're bringing their
Speaker 2: take thems a little bit more because they're not sitting
Speaker 2: money aside in A fourmu AND k and therefore they're
Speaker 2: using more of those funds to purchase a. Home Right
Speaker 2: and like we've talked about trade. Off so much to
Speaker 2: happen depends on what's happening in the. Market because if
Speaker 2: you're talking about twenty eleven twenty, twelve and someone's sending
Speaker 2: in an ASK htm and they're, like SHOULD i buy a, house,
Speaker 2: like we would, say, wow rates are pretty dang. Low
Speaker 2: prices are incredibly. Low think about you're probably going to
Speaker 2: be paying less on your mortgage in which you and.
Speaker 2: Rent buying a house has there's a lot of perks
Speaker 2: to buying a house right twenty. Eleven in twenty twenty,
Speaker 2: six the script is flipped and it's so much from,
Speaker 2: yes for sure to rent than it is to. Buy
Speaker 2: and you're, like, oh IF i could rent or, yeah
Speaker 2: rent the place for two grand THAT i would pay a,
Speaker 2: MORTGAGE i would be paying like four. Grand that's two
Speaker 2: thousand extra dollars a. Month and by the, WAY i
Speaker 2: don't think it's a ridiculous. Assertion given where home prices
Speaker 2: and interest rates are right, now you can probably rent
Speaker 2: something for significantly. Less that's very.
Speaker 1: Similar and if How i'm investing that, difference you can
Speaker 1: get ahead really quickly and guess what you can be
Speaker 1: investing for the possibility of future home ownership instead of
Speaker 1: kind of trying to like force force a square peg
Speaker 1: into a round.
Speaker 2: Hole right, now there you. Go, yeah you're actually building
Speaker 2: up a down. Payment, yeah that you can deploy once
Speaker 2: you have have enough funds on.
Speaker 1: HAND i do feel LIKE i should talk out of
Speaker 1: both sides of my, Mouth, matt because on the flip.
Speaker 2: Side that's one of your. Specialties it is it. Is,
Speaker 2: YEAH i like the. Dedication it's what we. Do there's
Speaker 2: a lot of nuance when it comes to personal. Finance
Speaker 2: so hous.
Speaker 1: More is starting to slow. Down it's not like a
Speaker 1: twenty twenty, four right or twenty twenty three. Anymore, yeah
Speaker 1: well rates have come down a little bit. Racer so
Speaker 1: that's up finally sub six percent on average and.
Speaker 2: Five point nine eight and yeah was this week's.
Speaker 1: Average AND i went back to the local our local
Speaker 1: credit union's website to look at their fifteen to fifteen.
Speaker 1: Arm the rate on that is. Down it's IT'S i
Speaker 1: think directly at five percent right. NOW i wouldn't be
Speaker 1: surprised if it's in the four something range in the near.
Speaker 1: Future that's pretty that's pretty. Great so people who are
Speaker 1: like and we're seeing write more price reductions because there's
Speaker 1: just the market in general is. Softer so, yeah maybe
Speaker 1: if you're patient and you're smart and you've saved, up
Speaker 1: you can get a better deal than you've been able
Speaker 1: to get in recent. Years this spring selling, SEASON i don't.
Speaker 2: Know that's. UH i thought it was gonna happen last.
Speaker 2: SPRING i remember selling the folks that'd be, LIKE i
Speaker 2: really think we're gonna see rates tick down and things eat,
Speaker 2: Up but it didn't. Happen, YEAH i think when you're,
Speaker 2: Starting i'm done making.
Speaker 1: Predictions starting to c rates in the low fives and high,
Speaker 1: fours that's a signal that's going to soften the market
Speaker 1: a little, bit and it's going to MAKE i think
Speaker 1: selling and buying something else more attractive to a certain
Speaker 1: segment of, people and just buying in, general first time
Speaker 1: home buyers maybe a little less frustrating or.
Speaker 2: Onerous that's, right, Man but we've got more to get.
Speaker 2: To we're gonna talk about eating steak and other foods
Speaker 2: that and more weighs of. Save right after this.
Speaker 1: Power back from the, break it's time the ludicrous headline
Speaker 1: of the. Week this one comes From Business insider and
Speaker 1: it reads Death isn't The? End meta patented IN ai
Speaker 1: that lets you keep posting from beyond the, grave, Right, yeah.
Speaker 2: Just what everyone wanted was the ability for people on
Speaker 2: that they're friends with On facebook to be able to.
Speaker 1: Troll THOUGH i, know right from the grave forever from
Speaker 1: the great, beyond.
Speaker 2: Because it's so messed.
Speaker 1: UP i can't, WELL i don't know who's gonna die,
Speaker 1: First mir or. You But i'm trying to decide what
Speaker 1: it would be like to read fake postings FROM, Ai,
Speaker 1: matt like when you're?
Speaker 2: Dead, yeah WOULD i be, Like, OH i don't think
Speaker 2: there'd be much? There like this is, FREAKY i think
Speaker 2: BECAUSE i try not to post on. There, yeah because it's.
Speaker 2: DUE i, mean this is straight up an episode Of Black. Mirror, Yeah,
Speaker 2: like and that's what attracted me To Black mirror was
Speaker 2: sort of the, weird like twisted dystopian sort of part of.
Speaker 2: It but the really sad thing is that that is
Speaker 2: becoming a, reality which only just kind of makes me
Speaker 2: kind of sad about our current state and that are
Speaker 2: so normal. Now, honestly it is LIKE i was pretty
Speaker 2: attracted to it early, on but now that we're kind
Speaker 2: of living, it, yeah, yeah not super thrilled with. It
Speaker 2: and just because there is A you know that they
Speaker 2: filed for a patent doesn't mean that that is actually
Speaker 2: going to be a feature that they roll.
Speaker 1: OUTS i wouldn't be, surprised but maybe well here's WHY
Speaker 1: i wouldn't be, surprised but they might. One in the patent,
Speaker 1: filing it, says AND i, quote the language model may
Speaker 1: be used for simulating the user when the user is
Speaker 1: absent from the social networking, system for, example when the
Speaker 1: user takes say long, break or if the user is.
Speaker 1: Deceased and not only does it say that in the patent,
Speaker 1: filing but we're kind of already seeing this play. Out
Speaker 1: So Scott, adams who did The dilbert comic, strip and
Speaker 1: he was also like a political personality in many ways,
Speaker 1: too that he passed away a couple of months ago
Speaker 1: and end AND ai is being used to create create
Speaker 1: post mortem videos of. Him so like his podcast, continues
Speaker 1: his video podcast. Apparently see that's so. Weird it's so
Speaker 1: it's so. Weird, yeah so. Dystopian and how the money could,
Speaker 1: Continue well that's without.
Speaker 2: Us how it's difficult for me to not think through
Speaker 2: how does this what are the ramifications for? Us? Right
Speaker 2: because we have this wonderful company that has worked well with.
Speaker 2: Us iHeart iHeart. Media but here's the, Thing, joel they
Speaker 2: technically own how To, money and even though it's been
Speaker 2: a great, partnership let's just imagine the future where we
Speaker 2: don't want to do the. Show that's less. Likely what's
Speaker 2: more likely probably.
Speaker 1: Is a future save, money like where we can't agree
Speaker 1: to the terms and they, say.
Speaker 2: Well that's. Okay we've got over a thousand episodes that
Speaker 2: we technically own of our voice and us sharing our
Speaker 2: jokes and telling our. STORIES i think we can kind
Speaker 2: of keep that. Rolling that's a bleak that we're living
Speaker 2: our own living nightmare Of Black mirror podcast editions if
Speaker 2: that were to. Happen but we also know then that
Speaker 2: they wouldn't be able to run the guaranteed human part
Speaker 2: at the very beginning of the episode because at the
Speaker 2: point it wouldn't take that claim. Off, yeah, yeah we
Speaker 2: can do that.
Speaker 1: Anywhere, well it's a little little, freaky little, Frightening AND i,
Speaker 1: MEAN i think we're just living in a time where
Speaker 1: just deep fakes are getting so much. BETTER ai scams
Speaker 1: are becoming even more, prevalent and they're becoming more convincing
Speaker 1: and so it's just don't believe everything you see, it
Speaker 1: do a fact, check like look, again because we're living
Speaker 1: in an era where even people can post stuff from
Speaker 1: beyond the grave and you're, like, OH i thought the
Speaker 1: person was. DEAD i Guess i'll keep following. Them but
Speaker 1: it's it's just a it's a weird, world and protecting
Speaker 1: yourself becomes even more. Important, yeah, okay let me see
Speaker 1: IF i can pull this.
Speaker 2: Off as money piles INTO, ai the system's powering these deep.
Speaker 2: Fakes some of the folks working in the field are
Speaker 2: making bank and the more money you, have the more
Speaker 2: you want to protect, it, which in the case of,
Speaker 2: marriage means getting a. Prenup do you like, that? Seguay,
Speaker 2: no what's? Good well, Done we've talked about.
Speaker 1: Prenups, YEAH i could not have replicated. That oh, my, yeah,
Speaker 1: there human skills were a whole. Display there such a better.
Speaker 2: Job we actually talked about prenups in depth back in
Speaker 2: episode seven forty. Three AND i don't have a. PRENUP i,
Speaker 2: DON'T i don't, know neither of us knew And emily
Speaker 2: WERE i And kate thing especially for people with.
Speaker 1: Zero, dollars like when you AND i got, married there
Speaker 1: wasn't much to, Protect, like we hadn't built up significant.
Speaker 1: Assets you got married when you were twenty, three twenty,
Speaker 1: four twenty twenty. THREE i got married WHEN i was twenty, Six,
Speaker 1: like there wasn't a lot to. PROTECT i wasn't, like,
Speaker 1: OH i don't want my wife to have access to
Speaker 1: this treasure trail That i've Didn't there was no treasure.
Speaker 2: Trove we built it. Together. Yeah, Yeah so this was
Speaker 2: an article highlighting folks who are just worth a ton of.
Speaker 2: Money now they're trying to move on and not move
Speaker 2: on in their, life but they're trying to build their,
Speaker 2: lives start a, family and they're talking about, prenups and
Speaker 2: IT'S i, mean do you feel that your, opinion BECAUSE
Speaker 2: i remember after that episode one of WHAT i recall
Speaker 2: your one of your takeaways being was, that you, KNOW
Speaker 2: i didn't think that prenups made. Sense but the fact
Speaker 2: that the, state the fact that they have default rules
Speaker 2: essentially that they follow if you don't have a, prenup
Speaker 2: means depending on which state you're, in you have different prenup. Rules.
Speaker 2: Yeah so the fact that there is sort of like
Speaker 2: this default prenup depending that's basically state issued seemed like,
Speaker 2: IT i guess had more of an impact on. You
Speaker 2: but do you still feel that way? NOW i? DO i.
Speaker 1: DO i think though that it's really. Crucial like when
Speaker 1: you're getting, married you're talking about combining right for, life
Speaker 1: like that is that's the. Goal even when you read your, vowels,
Speaker 1: like think about what you're saying when you read those
Speaker 1: vows it's it's not an insignificant commitment that you're. Making
Speaker 1: and SO i think because of, that it's just it's
Speaker 1: important to be generous and fair when you're creating a
Speaker 1: prenup with your. Partner i've JUST i Think i've seen
Speaker 1: Other i've seen relationships at times blow up before you
Speaker 1: get to the altar because of the way the prenup process.
Speaker 2: Goes, yeah that to me is like super duper. Sad
Speaker 2: so it's. Okay it's probably better then than actually getting
Speaker 2: married and finding out that they're, selfish, right because LIKE
Speaker 2: i would even push it a step. Further you said
Speaker 2: to attempt to be, fair like you got to be
Speaker 2: more than, Fair like you have to be generous and,
Speaker 2: loving because that's what as you enter into a, marriage
Speaker 2: it is a like you put together two people who
Speaker 2: are selfish who only care about themselves into a marriage
Speaker 2: and there's just nothing but a road of brokenness that lies,
Speaker 2: ahead right as opposed to bringing together two people who
Speaker 2: are entering into this relationship and this institution knowing, that,
Speaker 2: oh this is an area Where i'm going to, sacrifice
Speaker 2: WHERE I am going to put the other person, First
Speaker 2: like you need both people doing that in, order, Opinion,
Speaker 2: yeah to have a successful.
Speaker 1: Marriage i've Heard i've heard friends say stuff, like, oh,
Speaker 1: man once my spouse pays off the rest of her,
Speaker 1: loans her student, loans that.
Speaker 2: It feels off to, me, RIGHT i.
Speaker 1: Just to, me that doesn't make sense and that's not
Speaker 1: how we handle. Money AND i think when you look
Speaker 1: at the statistics which we've talked about over the, years
Speaker 1: the happiest couples are the ones who kind of combine,
Speaker 1: everything even if one person makes substantially more than the,
Speaker 1: other just.
Speaker 2: Come to terms with, that embrace, it find that you've
Speaker 2: got different. Strengths it's just it's so it's so weird
Speaker 2: to me that money is oftentimes such a focus here
Speaker 2: because money is this very, fungible renewable. Resource, essentially you
Speaker 2: can always like go out and get more moneybe not
Speaker 2: as much money as you currently have if you're AN
Speaker 2: ai overlord or something like, that but like as opposed
Speaker 2: to not thinking about the amount of time and like
Speaker 2: life energy that you're giving this, person which is not
Speaker 2: something that you can ever get. Back and so if
Speaker 2: you are going to trust, somebody LIKE i don't, know
Speaker 2: it's My i'm old, SCHOOL i think you should probably
Speaker 2: trust them with. Everything, yeah and certainly your finances are
Speaker 2: a part of, that.
Speaker 1: And your good fortune is their good, fortune and vice.
Speaker 1: Versa so let's talk about medical, Bills. Matt it's widely.
Speaker 1: Known everybody pretty much knows that the number one cause
Speaker 1: of bankruptcy is medical. Bills they're roughly a factor in
Speaker 1: two thirds of bankruptcy. Filings people have a significant amount
Speaker 1: of medical debt that they feel like they can't pay
Speaker 1: or they're just unable to. Pay a lot of folks
Speaker 1: would think it would make sense, intuitively, right that having
Speaker 1: insurance coverage would prevent that. Possibility, Hey i've got good
Speaker 1: health insurance and so bankruptcy because of medical, bills that's
Speaker 1: not going to happen to. Me, well that might not be.
Speaker 1: True there's this new health affairs study and it finds
Speaker 1: that medical emergencies lead to bankruptcy more, often even if
Speaker 1: you're covered by a traditional health insurance, plan like even
Speaker 1: if you have a solid policy through your work through your,
Speaker 1: employer because the average deductible has gone up. Meaningfully so
Speaker 1: if you're looking at let's say a bronze plan on
Speaker 1: the healthcare exchange on healthcare dot, gov the average deductible
Speaker 1: is like seven thousand dollars if you have one of those,
Speaker 1: plans not to, mention the premiums are already pretty rough
Speaker 1: for those. Two so you're working over a lot of
Speaker 1: money every, month and then, hey that unexpected medical bill,
Speaker 1: comes and even after like it's corrected via, insurance it
Speaker 1: still might be unsurmountable for. You an unexpected medical event
Speaker 1: could mean thousands of dollars in just unexpected costs that
Speaker 1: hit you even when you have. Insurance and so we
Speaker 1: talk about. This the system. Sucks it's really it's a
Speaker 1: really difficult system to. Navigate but the stress here is
Speaker 1: that you need to have savings on hand to cover your.
Speaker 1: Deductible and if you increase your deductible to save more
Speaker 1: on a monthly, premium that can save money in the long,
Speaker 1: run but it increases your need to have savings on. Hand.
Speaker 1: Now so this study just made me, think, oh even
Speaker 1: if you have great, insurance make sure that your emergency,
Speaker 1: fund that your savings include on top of whatever you
Speaker 1: need for potential, emergencies the money to cover a deductible
Speaker 1: that's like one of those emergencies that can come, along.
Speaker 2: The very likely to come. Along. Yeah, Yeah and to
Speaker 2: put a point on, it the broken system isn't the
Speaker 2: fact that you have to have money on hand in
Speaker 2: order to pay your. Deductible and that's just that's those
Speaker 2: are the rules that you signed up. For you just
Speaker 2: need to make sure that you are adjusting your finances
Speaker 2: to accommodate for this new plan that you're. On but
Speaker 2: one of the solutions might be for if you're facing
Speaker 2: let's say a medical procedure is to move abroad for,
Speaker 2: cheap cheaper health. Care it's not as ridiculous as it might.
Speaker 2: Sound depending on your health care, NEEDS i think it's
Speaker 2: at least worth considering a trip to have that procedure.
Speaker 2: Done maybe you don't necessarily need to move. Abroad so
Speaker 2: there is a in the article there profiling a woman
Speaker 2: who was PAYING i forget how. Much it is like
Speaker 2: something like thirty thousand dollars is what it was going
Speaker 2: to cost her, annually and so she moved To france
Speaker 2: and it costs twelve times. Less that's something that you
Speaker 2: probably move, forward right like that significantly changes your your
Speaker 2: lifestyle plus but, yeah the bag atts, man that sounds
Speaker 2: like another reason to. Move why? Not it's. Funny, yeah
Speaker 2: we're talking with the kids literally about back, edges bagets and. Wine.
Speaker 2: Baby medical tourism is understandably on the, rise but largely
Speaker 2: out of. Necessity so we've got great health care here
Speaker 2: in our, country but far too many procedures are just
Speaker 2: really expensive for a whole lot of. Folks, yeah if
Speaker 2: you can save fifty to seventy percent on a knee,
Speaker 2: replacement why would you not consider going abroad for? That
Speaker 2: or sixty to eighty percent on dental work by going To.
Speaker 2: Mexico these are real. Numbers maybe don't go To mexico right?
Speaker 2: Now oh, yeah, yeah avoid Where porto v our, Yeah
Speaker 2: parto where, yeah where the terrorism. Is but just doing
Speaker 2: research ahead of, time knowing the trade, offs know what
Speaker 2: your total out of pocket costs are going to. Be
Speaker 2: that is going to be incredibly important in order for
Speaker 2: you to make this a financial. Winner one of my good, Friends,
Speaker 2: matt he has a really rare heart condition and so
Speaker 2: he's got to get this. Surgery and fortunately it doesn't
Speaker 2: have to happen right now right, now but he's planning
Speaker 2: on doing it this. Summer and as he looked in
Speaker 2: and he was getting quotes on what it would cost,
Speaker 2: here even with, insurance how much it was going to
Speaker 2: set him back here to get the procedure done in
Speaker 2: The United, states it was very, costly so much, money very,
Speaker 2: Costly and he did his. Research he found there was
Speaker 2: there's a doctor In england that performs actually a better
Speaker 2: surgery that's less, invasive that you recover more quickly. From
Speaker 2: it's going to cost him less. Money so he gets
Speaker 2: a little little trip out of this with his family
Speaker 2: and it's going to the recovery time is not going
Speaker 2: to be nearly as bad as not going to. Be
Speaker 2: to deal with what the savings, Was i'm assuming this
Speaker 2: is like a closest six figure kind of.
Speaker 1: SURGERY i think it's something close to. There i'm sure
Speaker 1: with insurance it would have cost him a whole lot
Speaker 1: less than, that but even still going overseas WAS i
Speaker 1: think the price was probably, similar but he was, like,
Speaker 1: oh this is, superior And i'm going to get a
Speaker 1: trip out of.
Speaker 2: It let's. Go so it.
Speaker 1: Is it's one of those THINGS i, think when you
Speaker 1: look at what's happened with medical costs in our, country
Speaker 1: it's less ridiculous than ever before to think about traveling
Speaker 1: to get your medical work, done depending on what it.
Speaker 2: Is, sure, yeah, Okay so a less extreme way to
Speaker 2: save money grocery shopping in a way that is more.
Speaker 2: STRATEGIC a Recent kiplinger article recommends not just creating a
Speaker 2: list and sticking to, it but seeing what you already
Speaker 2: have on, hand planning out your meals around what's in your,
Speaker 2: fridge what's in your. Pantry how that's going to be
Speaker 2: a recipe for saving, more which sounds like good old
Speaker 2: fashioned meal. Planing. JOEL i wonder if like some people
Speaker 2: playing the meal but they just and then they go
Speaker 2: buy everything they, need but they're not thinking about what
Speaker 2: they already. Have, no you got to start with what
Speaker 2: you got out of. Home you got you have to
Speaker 2: take stock. Man and this is something THAT i am
Speaker 2: proud to say that we've been doing a good bit
Speaker 2: more of. Lately in, particular we've got a whole lot
Speaker 2: of grant like. These kate will go to The International
Speaker 2: Farmer's market and buy some of these exotic grains and
Speaker 2: and it's really. Cool they're really, pretty they've got cool,
Speaker 2: names really high nutrition value in some of these. Things
Speaker 2: BECAUSE i don't know, WHY i don't know the colors or.
Speaker 2: Something but it takes a little bit more. Work i'm
Speaker 2: not gonna pretend that it's just as easy to hit, default, Right,
Speaker 2: like there are certain meals that we know how to
Speaker 2: cook when we go to the grocery, store we buy those.
Speaker 2: Things we come, home and if it takes a little
Speaker 2: more creativity to cook the things that you already have
Speaker 2: at home and to use certain items in a different.
Speaker 2: Way and so when it comes to like the like
Speaker 2: it's like you ride doll or something like it's like,
Speaker 2: THIS i don't even, know it's like some kind of
Speaker 2: beans like this. Earthy, okay maybe it's grain or. SOMETHING
Speaker 2: i don't. Know but we had some amazing stuffs an
Speaker 2: amazing curry earlier this. Week and it feels so good
Speaker 2: to utilize what you already have on. Hand it feels
Speaker 2: so good to not be wasteful and to feel like
Speaker 2: you are, adventurous exotic eater who's eating food from all
Speaker 2: over the. World so at the same, time, yeah AND
Speaker 2: i love this.
Speaker 1: Idea just you can implement it. Whenever just, hey look
Speaker 1: and see what you have in your, pantry your, freezer and,
Speaker 1: say how can we get rid of a bunch of
Speaker 1: this stuff by making meals with the we have on
Speaker 1: hand over the next, week week and a, Half and in,
Speaker 1: PARTICULAR i think the best time to do that is
Speaker 1: before you go on a.
Speaker 2: TRIP i, well, DUDE i love. That it's such the
Speaker 2: week before were such a great game to.
Speaker 1: Play it's, like no grocery run unless we need like
Speaker 1: bananas or milk and, eggs yeap, milk eggs and, bananas
Speaker 1: like those are the three THINGS i WILL i will
Speaker 1: make an exception. For other than, that it's, like, no
Speaker 1: we're just eating what we have on. Hand and then
Speaker 1: you come back and you make the grocery store, order
Speaker 1: then you go to the grocery run when when you.
Speaker 1: Return that's the best way to go about. It so
Speaker 1: if you got a trip coming, up this is a
Speaker 1: perfect time to reduce your pantry stock and eat what's
Speaker 1: in your, freezer because, yeah it just feels so. Good
Speaker 1: it feels so good to come home and then. Replenish
Speaker 1: if you got steaks in your, freezer it's not nearly as.
Speaker 1: Painful i've Got i've got a still have some steaks on.
Speaker 2: Hand, yeah BECAUSE i took advantage of the seventy five
Speaker 2: dollars off per the giant side Of ribby and cut
Speaker 2: my Own oh, yeah cut my own Rib, buys which
Speaker 2: was the.
Speaker 1: Ultimate, well let's say this, Means, matt that you are
Speaker 1: essentially independently, wealthy because have you seen what's happening with stake?
Speaker 1: Prices they have gone up seventeen percent year over. Year,
Speaker 1: man well it's. Insane ground beef prices on the rise as,
Speaker 1: well and it, just, yeah depends on what you are.
Speaker 1: PRIORITIZING i will, say, like we don't eat steake a,
Speaker 1: ton BUT i feel like IT'S i, mean we got
Speaker 1: the biggest slab because it was on, sale but typically
Speaker 1: we'll eat stake a couple of, times a couple times a.
Speaker 1: Month and last TIME i did go to the To
Speaker 1: costco looking for a nice, SALE i didn't see. Anything
Speaker 1: and so EVEN i think the ability to downgrade quote
Speaker 1: unquote downgrade and get like The costco organic ground. Beef
Speaker 1: you know it's got the three. Pack, yeah that's really good.
Speaker 2: Stuff. Man the ability, like but it's still. Expensive it's still,
Speaker 2: expensive but it's not as. Expensive so figure out for.
Speaker 2: Us that was our, treat, right the ability to grill
Speaker 2: Some burger's last. Weekend the weather was a little bit.
Speaker 2: Nicer it was, fantastic, Man but finding out what the
Speaker 2: more affordable option is going to be for, you and
Speaker 2: how aggressively you're trying to attack your grocery.
Speaker 1: Budget what's interesting to me, though is how as prices
Speaker 1: have kind of stayed, inflated have like continued to creep
Speaker 1: up on on ground ground beef and steak and red
Speaker 1: meat in, general consumers haven't really changed their, Ways like
Speaker 1: it seems like there. Hasn't they, haven't, Bunch they're, like all,
Speaker 1: Right i'm just gonna continue paying. This AND i don't
Speaker 1: know if it's because they're adjusting their budget, Accordingly, matt
Speaker 1: and they're they're spending less in other. Areas but something's
Speaker 1: telling me that's probably not the case that they're just
Speaker 1: like sticking it on the credit, card, right and so
Speaker 1: that is that's what you want to, Avoid like if
Speaker 1: you're just used to buying steak and you're, like, oh
Speaker 1: the price keeps going, Up i'm gonna keep buying. It that's, okay,
Speaker 1: right it to keep buying. It but just make sure
Speaker 1: you actually have the money and you can afford afford,
Speaker 1: it because, yeah when you're talking about eighteen twenty bucks
Speaker 1: a pound for like a, nice a decent, ribbi a Decent, Rabbi,
Speaker 1: matt that isn't even like a fancy. One just that's
Speaker 1: like a decent rabby these, days which is. INSANE i
Speaker 1: think it costs for choice these. Days, yeah just make
Speaker 1: sure you're not doing it.
Speaker 2: Mindlessly, yeah and don't don't sleep on. FISH i saw that.
Speaker 2: Salmon there's been a dip in salmon prices because there's
Speaker 2: been a a glut In norwegian's salmon coming From. Norway. Good,
Speaker 2: Yeah i'll love me some, Salmon so go get you
Speaker 2: some of that and there you. Go it's also quite
Speaker 2: healthy for. You All.
Speaker 1: Right that's gonna do it for this. Episode we'll put
Speaker 1: links in the show notes to some of the stuff
Speaker 1: we mentioned on the show, Today and as, always you
Speaker 1: can find more money saving help and information at how
Speaker 1: to money dot com and and the how To Money facebook.
Speaker 2: Group yeah, boy that's gonna be, It so until next,
Speaker 2: time best friends, out best friends, out