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Speaker 1: Welcome to Out of Money. I'm Joel and I am Matt,

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Speaker 1: and today we're talking student loan payment panics, hottest job prospects,

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Speaker 1: and drug discounts. That's right, man, We're gonna talk about

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Speaker 1: those stories and more. The hottest jobs, the jobs that

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Speaker 1: are going to experience the most growth in the coming years.

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Speaker 1: We're gonna talk about a forecast, and we're going to

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Speaker 1: cover some of the career paths that are going to

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Speaker 1: see outsized growth when it comes to them. Now those

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Speaker 1: hooks are getting paid, and plus we've got other stories

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Speaker 1: that we're gonna get to during this episode. I thought,

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Speaker 1: I saw you just upload your resume on LinkedIn match.

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Speaker 1: Should be worrying, be a ups driver. We'll talk about

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Speaker 1: how later on. Oh so, actually, speaking of doing well

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Speaker 1: at work, I want to share a little well just

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Speaker 1: a quick little listener. Actually it's not even a little

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Speaker 1: listener when this is a massively large listener. Win. So

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Speaker 1: someone reached out to actually to Alex Carter and she

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Speaker 1: shared this with us. We had her on the show

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Speaker 1: back on episode six forty nine. She's the negotiation expert.

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Speaker 1: Get I think that one was getting paid what you're worth. Yeah,

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Speaker 1: that's what we called that up is you don't trust

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Speaker 1: anybody on that. She's she's somebody listened to. Yeah, so

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Speaker 1: we uh, there's a listener. And she was doing some

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Speaker 1: good work for her job. The time came to where

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Speaker 1: she needed to talk to her boss. I guess, I

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Speaker 1: guess it was the annual review. And so she went

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Speaker 1: back and re listened to Alex's interview, our conversation with

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Speaker 1: Alex Carter, and so she listened to it twice and

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Speaker 1: then took that information and went to her boss and

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Speaker 1: was able to negotiate a twenty five percent pay increase,

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Speaker 1: which is awesome, man, Like, that's way more than the

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Speaker 1: flipping adjustment, right, that's that three or four percent that

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Speaker 1: the employer always says, our cat that maybe she was

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Speaker 1: making something like eighty k. Now she's making six figures

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Speaker 1: like these are the kind of big wins that are

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Speaker 1: important to focus on because a lot of time we

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Speaker 1: talk about cutting your bills and subscriptions, a little small

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Speaker 1: things here and there to focus on, but don't forget

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Speaker 1: about some of these big rocks, some of these things

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Speaker 1: that if you get right, have an outsized impact impact

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Speaker 1: on your ability to reach your financial goals. To retire early,

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Speaker 1: just whatever it is that you've set ahead of yourself

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Speaker 1: that you're striving after. Yeah, if you're able to get

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Speaker 1: a fantastic sized raise like that, the world's your oyster.

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Speaker 1: There's so many things you can do. And oftentimes you're right,

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Speaker 1: Like the cost of living, Like the cost of living

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Speaker 1: adjustment keeps up with the pace of inflation. Right, You're

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Speaker 1: spending more at the grocery store, you're spending more on gasoline,

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Speaker 1: that kind of stuff, and so you need a more

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Speaker 1: substantial pay jump. We talk about how moving to another

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Speaker 1: employer can sometimes be the way to get that, but

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Speaker 1: you can also, Yeah, if you are prepared, go back

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Speaker 1: and listen to that episode six forty nine, with the data,

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Speaker 1: with the proper way to approach that conversation, you can

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Speaker 1: find a way to get paid more and not have

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Speaker 1: to leave too. But let's go ahead and get to

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Speaker 1: our Friday flight. And I didn't explain it at the

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Speaker 1: very beginning of the episode, but this is a small

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Speaker 1: little sampling of the different story that we think that

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Speaker 1: you need to know about that we've come across from

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Speaker 1: this past week. But let's first talk about student loans,

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Speaker 1: because if that's you, if you've got student loans, it's

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Speaker 1: been quite a long time since you've had to make

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Speaker 1: a payment, But don't panic. Certainly there's a decent contingent

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Speaker 1: of how to money listeners who have been able to

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Speaker 1: make some progress during these forty plus months, I think

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Speaker 1: forty two months. We've heard stories like we've heard feedback,

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Speaker 1: We've seen people post the Facebook group, We've got emails.

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Speaker 1: People have been able to make hay while the sunshine.

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Speaker 1: But even still, it is probably going to be hard

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Speaker 1: to bring a payment that was dormant for so long

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Speaker 1: back into your life. But that is what's happening. That's

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Speaker 1: the way the cookie crumbles, as they say, right, and

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Speaker 1: so we want to just put this out there as

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Speaker 1: a reminder most folks can and likely should enroll in

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Speaker 1: the Save plan. It's going to overtime save tens of

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Speaker 1: millions of borrowers significant amounts of money lowing payments, reducing

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Speaker 1: the amount of interest that is going to be able

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Speaker 1: to accrue. But some of the elements of Save won't

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Speaker 1: be fully implemented un till next July. Specifically, I'm thinking

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Speaker 1: about the reduction of payments down from ten percent down

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Speaker 1: to five percent of your income and then the forgiveness

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Speaker 1: of loans with original balances of twelve thousand dollars or less,

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Speaker 1: assuming ten years of payments on time payments. Yeah, and so, yeah,

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Speaker 1: this is just kind of a PSA because if you

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Speaker 1: can make your payments, you definitely should. But it is

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Speaker 1: also important to note that if you're struggling to do so,

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Speaker 1: if you happen to miss payments between now and then

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Speaker 1: between now and September of next year, you're not going

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Speaker 1: to be considered delinquent. Yeah, it's a good idea to

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Speaker 1: get started on those payments on in October when that

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Speaker 1: first bill hits, But just know that you have that

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Speaker 1: buffer two which is helpful. And I know this is

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Speaker 1: going to feel like a financial bumber for lots of

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Speaker 1: folks right who are making more progress on other financial goals.

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Speaker 1: It felt like with that kind of pushed to the side,

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Speaker 1: people were able to save invest paid on debt to

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Speaker 1: a whole lot of stuff that we talk about here

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Speaker 1: on the show, because one of their big debts was

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Speaker 1: just kind of on the sideline for a while. Yeah. Yeah,

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Speaker 1: well you said financial, I feel like it's it's I

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Speaker 1: feel like a lot of folks will be able to

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Speaker 1: find room and their budgets right, whether it's from making

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Speaker 1: a little bit more more money or just cutting an

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Speaker 1: expense as opposed to I feel like it's going to

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Speaker 1: be the biggest number. Is like an emotional mental armor,

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Speaker 1: right because it's something that you just like, yeah, like

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Speaker 1: it's something you have not really thought about for like,

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Speaker 1: basically it feels like the finish line got moved slightly,

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Speaker 1: like your cheese got moved, and that's a term that

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Speaker 1: folks talk about, but especially with all the forgiveness stuff

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Speaker 1: that was down there and they got clawed back and

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Speaker 1: stuff like that. So I think, yeah, you're right, it's

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Speaker 1: it's disappointing from an emotional standpoint too, But we also

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Speaker 1: want to offer encouragement that you can do it right

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Speaker 1: even though there's that kind of emotional reluctance and you

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Speaker 1: know financial reluctance too. You got this, You got this,

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Speaker 1: you can do it. Yeah, and you've got the tools.

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Speaker 1: And if you need more tools or if you've got

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Speaker 1: questions about how you can figure out how to put

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Speaker 1: it back in your budget, like, shoot us a list

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Speaker 1: of voicemail. We'd love to talk about it on an

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Speaker 1: upcoming Ass Kind of Money episode. If you're like, how

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Speaker 1: do I reincorporate this payment back into my life? And again,

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Speaker 1: like you said, Matt, safe plan, it's going to help

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Speaker 1: cushion because it's going to reduce the payment amount for

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Speaker 1: a whole bunch of people. But it's not just you

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Speaker 1: who's nervous about student loan payments resuming. Retailers are nervous too.

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Speaker 1: Many are expecting sales to fall as student loan payments resume,

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Speaker 1: and some of those dollars that were flowing into businesses, yeah,

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Speaker 1: they're going to be heading back towards paying off this debt. Right,

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Speaker 1: it makes sense that this is going to lead to

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Speaker 1: some individual belt tightening, which could lead to the economy

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Speaker 1: slowing off a bit. For instance, people might cut back

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Speaker 1: a little bit on travel, or I don't know, some

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Speaker 1: of those other places maybe where they were funneling some

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Speaker 1: of the money that would have otherwise gone to student

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Speaker 1: loans that they can't push money in that direction anymore.

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Speaker 1: But here's the thing. You can't worry about the macro reality.

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Speaker 1: You got to take care of the micro and so

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Speaker 1: look at what's in front of you and readjust your

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Speaker 1: budget accordingly. It's probably going to take some getting used to,

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Speaker 1: but I do think the safe plan is going to

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Speaker 1: make this jarring reality a little bit less jarring. That's right.

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Speaker 1: Let's talk about holiday hiring, because we get used to

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Speaker 1: the holidays starting around this every single year. Was it

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Speaker 1: it was like last month that we started seeing like

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Speaker 1: Christmas decoration was like early August at Costcos so early.

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Speaker 1: But holiday jobs are back, and some like at Amazon,

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Speaker 1: they're offering sign up bonuses to attract workers and what

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Speaker 1: is still a fairly tight labor market. They literally need

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Speaker 1: a quarter of a million new hires to pull off

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Speaker 1: a Christmas miracle. And in order to get all of

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Speaker 1: those deliveries showing up on time, so many boxes, yeah,

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Speaker 1: so many prime trucks. So depending on where it is

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Speaker 1: that you live, Amazon is paying up to twenty eight

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Speaker 1: dollars an hour. That's much higher than minimum way just amazing,

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Speaker 1: and you can even score an additional bonus like somewhere

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Speaker 1: in the range of one thousand to three thousand dollars.

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Speaker 1: It's not for everyone, but if you are looking to

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Speaker 1: make some extra money this time of year, it could

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Speaker 1: be worth considering. We came across a resource the warehouse Ninja,

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Speaker 1: where I don't know who runs that, but they break

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Speaker 1: down some of the different details associated with like some

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Speaker 1: of those different bonuses. For instance, they're not paid out,

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Speaker 1: so like we talked about last week with the with

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Speaker 1: the phone cell phone disisi, Yeah, yeah, we have to

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Speaker 1: like stick around, same thing with not surprisingly with some

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Speaker 1: of these bonuses, you got to stick around as it

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Speaker 1: slowly makes its way into your account as opposed to

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Speaker 1: like a giant lump sum. They don't give it to

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Speaker 1: you on day one because then you're probably not showing

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Speaker 1: up on day two, right exactly. And I sort of

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Speaker 1: teased of this at the very beginning. Driving for UPS

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Speaker 1: is getting much more lucrative after negotiations were finalized. I

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Speaker 1: think searches for UPS jobs skyrocketed on many of the

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Speaker 1: different job sites because drivers are getting paid something like

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Speaker 1: one hundred and fifty thousand dollars plus these days, and

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Speaker 1: the different pay and benefits that they're receiving. So we're

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Speaker 1: kind of joking about people are seeing the headline number

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Speaker 1: of one hundred and seventy k for UPS drivers and

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Speaker 1: they're like, uh, what what am I doing with my life?

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Speaker 1: It is kind of crazy to think. It makes me

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Speaker 1: think about that. You see, like the different memes too,

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Speaker 1: of folks doing screenshots of like at BUCkies, like how

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Speaker 1: much they're paying. Oh yeah to work, you know, like

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Speaker 1: granted their management jobs, but to work at a gas station. Yeah, unreal,

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Speaker 1: it really is. I mean you can BUCkies pays and

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Speaker 1: pays pretty well, has great vacation and retirement benefits to Yes, yeah,

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Speaker 1: is BUCkies nationwide? I think there's Texas, but I think

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Speaker 1: they're mostly Southeast. Okay, BUCkies. It's this. It's like the

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Speaker 1: Walmart supercenter of gas stations. They've got barbecue that they

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Speaker 1: smoke there on premise. Yes, so you literally you think

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Speaker 1: like it. I've literally never been there a twenty four

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Speaker 1: pump gas station. You think that's big, But BUCkies is

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Speaker 1: like one hundred pumps? Is it really that? It's I mean, honestly,

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Speaker 1: it's still overwhelming. We must still have not yet stopped

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Speaker 1: in out of BUCkies, and maybe one of these days

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Speaker 1: people people who love it love it, and people go

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Speaker 1: there for the swag, like like literally they're buying BUCkies

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Speaker 1: moch The folks are obsessed, Yes they are. Well, maybe

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Speaker 1: I'll get you something next time my stop in there? Right, well,

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Speaker 1: you know, while driving for ups when we're talking about

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Speaker 1: pay like that, it might make for a multi decade career. Well,

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Speaker 1: but if you yeah, I mean you're like one hundred seventy,

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Speaker 1: I can stick around for that depends on how quickly

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Speaker 1: those Tesla self driving autonomous semi right come on. The

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Speaker 1: interesting one, I think UPS agreed to put airic wishing

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Speaker 1: in those the new UPS fans too, which was another

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Speaker 1: big one. But if you're looking for something else that

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Speaker 1: pays decently well, solid salary and likely will for years

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Speaker 1: to come. Insider Business at formerly Business Insider, they took

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Speaker 1: a look at the jobs that are likely to see

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Speaker 1: outside pay increases in the coming years. Software developers, financial managers.

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Speaker 1: Those took the top two spots, but electricians, mental health counselors,

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Speaker 1: physical therapists, registered nurses all of those made the top

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Speaker 1: thirty of the list. We'll link to that in the

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Speaker 1: show notes. But Matt, you and I we talked recently

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Speaker 1: about how your major matters more than the college you

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Speaker 1: go to, and this list of jobs that will continue

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Speaker 1: to be in high demand for years to come and

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Speaker 1: how much they typically pay, it really should be helpful

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Speaker 1: for young folks trying to decide what career path to

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Speaker 1: embark on. Right. And for folks who want to start

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Speaker 1: to pivot, maybe they're in their thirties or forties and

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Speaker 1: they're saying, you don't like what you do. Maybe you've

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Speaker 1: always loved electricity, right, Or maybe you're like, I could

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Speaker 1: become a nurse. There's a two year program here nearby

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Speaker 1: where it doesn't cost too much. I could increase my

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Speaker 1: pay by thirty k year or something like that. Maybe

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Speaker 1: it's worth pivoting in that direction. But it's really helpful

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Speaker 1: to know which jobs are paying well and which jobs

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Speaker 1: are likely to continue to be in high demand moving forward,

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Speaker 1: so that you don't make that pivot and then you're like,

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Speaker 1: wait a second, AI took took over my job. Yeah,

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Speaker 1: now it's not quite as necessary. So I think this

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Speaker 1: is a good list, and it can be helpful to

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Speaker 1: inform people about what kind of education they should get

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Speaker 1: when it comes to the kind of career they want

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Speaker 1: to pursue. Yeah, it's just a good way to set

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Speaker 1: expectations too, right. I mean, it's a good metric. It's

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Speaker 1: a good piece of information to look at. It shouldn't

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Speaker 1: be the only driving factor. Certainly, we take jobs for

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Speaker 1: multiple reasons, not just the pay, but that forecast can

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Speaker 1: be incredibly helpful as you are trying to figure out

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Speaker 1: what it is that you might want to pursue. Yeah, like,

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Speaker 1: don't go back and try to be a nurse if

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Speaker 1: you fainted the side of blood, right, Like, that's probably

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Speaker 1: not for you. Maybe stick to something else. All right,

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Speaker 1: let's talk about travel rewards, because we're going to recommend

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Speaker 1: for folks to use your miles before you lose them,

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Speaker 1: or at least before they become worth less. Delta specifically,

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Speaker 1: they announced new changes to its Skyle miles program recently.

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Speaker 1: They try to they try to do like a classic

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Speaker 1: pr spin to make it sound like that this is

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Speaker 1: a good thing, when in reality it's not. The valuing

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Speaker 1: has begun. Yeah, these basically they're making it more difficult

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Speaker 1: to reach certain status tiers, right like you got to

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Speaker 1: reach higher thresholds in order they've got the what is

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Speaker 1: it medallion qualified dollars that you spend with them. They

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Speaker 1: have drastically increased the amount of money that you have

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Speaker 1: to spend with that airline in order to achieve some

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Speaker 1: of those different statuses. But then on top of that,

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Speaker 1: they're planning to curb sky club lounge access from many

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Speaker 1: credit card holders as well, And we have always said

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Speaker 1: that you shouldn't be loyal to a specific airline. And

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Speaker 1: this is a perfect example of why the rules can

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Speaker 1: change in an instant. And this isn't to say that

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Speaker 1: Delta isn't a solid company. We think that they're great.

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Speaker 1: But let price. Let that be the ultimate deciding factor

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Speaker 1: when you are booking a trip, not necessarily the miles

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Speaker 1: that you can earn, or because you've got a you know,

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Speaker 1: an account you're chasing after some sort of some status

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Speaker 1: level with a particular airline, because those miles might not

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Speaker 1: be worth nearly as much when you try to redeem them,

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Speaker 1: which is another reason not to hoard those miles either.

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Speaker 1: We would recommend for you to go ahead and use

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Speaker 1: them up sooner rather than later before they get inflated away.

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Speaker 1: Yeah exactly. There, that's like a helium balloon that's just

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Speaker 1: seeing inflated and pretty soon it just floats. I mean,

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Speaker 1: I was picturing what's the mylar is it mylar balloons?

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Speaker 1: The cheap ones that you buy from like a dollar

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Speaker 1: sto okay, yeah huh and then like by day three, oh,

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Speaker 1: it's just yeah, it's like hovering at eyge level, like

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Speaker 1: and pretty soon it's it's a best day from the

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Speaker 1: ground because they just like bat them around and yeah

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Speaker 1: like it. Yeah, when it's like floating through the air

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Speaker 1: like a ghost. Yes, no, you're right, and so it's

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Speaker 1: better to look, go, go assess how many miles do

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Speaker 1: I have, how many points do I have, and start

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Speaker 1: using them because they are going to be more and

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Speaker 1: more devalued. And you're right, Matt, like, the more loyal

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Speaker 1: we are to one particular company, to a particular airline,

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Speaker 1: the less likely we are to save money. I've had

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Speaker 1: conversations with people who said, listen, I want to travel

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Speaker 1: on these specific dates on this specific airline. How can

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Speaker 1: I save money? And like, you've already shot yourself in

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Speaker 1: the foot, like you're doing it wrong. You you you've

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Speaker 1: become too specific in your request, basically, and you've got

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Speaker 1: to go back to the drawing board. You have to

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Speaker 1: have more flexible dates, and you have to be willing

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Speaker 1: to fly another airline. And if it's all about acquiring

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Speaker 1: those miles, acquiring that status, well that's harder to get

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Speaker 1: anyway these days. And so maybe it becomes, you know,

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Speaker 1: less desirable to even sort of work towards that because

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Speaker 1: it's going to be harder to get. And speaking of

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Speaker 1: reduced rewards, Kiplinger reports that credit card offers are becoming

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Speaker 1: more stingy right now. You know, sign up bonuses are

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Speaker 1: being slashed, and so are low rate introductory periods for interest.

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Speaker 1: Right this Wells Fargo card for instance, which boo, Wells Fargo.

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Speaker 1: We don't like them. Yeah, they suck anyway. Yeah, so

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Speaker 1: we'll just we'll trash their card, it says. It's often

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Speaker 1: touted though, is a great balance transfer card, and it

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Speaker 1: used to be decent, but now they just increase their

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Speaker 1: transfer fee from three percent to three percent, kind of

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Speaker 1: standard for the best cards, and then you get fifteen

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Speaker 1: or eighteen months typically of of zero interest and so

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Speaker 1: but five percent that's tough the stomach. So remember, if

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Speaker 1: you use credit cards wisely, a slightly signing bonus, it's

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Speaker 1: not all that big of a deal. You can still

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Speaker 1: earn solid ongoing rewards, you can get pretty sick secondary benefits,

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Speaker 1: and you can enjoy better consumer protections. Those are the reasons.

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Speaker 1: Those are the main reasons we like credit cards as

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Speaker 1: a way of making purchases in your life. But we

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Speaker 1: thought it was worth mentioning because lots of folks considering

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Speaker 1: a new credit card, they might be a bit bummed

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Speaker 1: at maybe some of the weaker sauce that the credit

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Speaker 1: card companies are bringing these just diminished sign up bonuses,

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Speaker 1: and they're like, ah, that sucks sixty instead of eighty

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Speaker 1: thousand upon sign up. Yeah, I know it's not great,

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Speaker 1: rights it'd be ideal to have bigger sign up bonuses,

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Speaker 1: but this is kind of the reality hitting credit card companies,

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Speaker 1: and so you just have to kind of be aware

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Speaker 1: of it. Although credit card rewards in this country overall

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Speaker 1: still are pretty pretty robust for the people who use them, well, yeah,

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Speaker 1: I think it means that we just need to be

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Speaker 1: more selective as well as opposed to Like, if you're

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Speaker 1: the kind of person that might see a pre approved

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Speaker 1: mailer show up in your mailbox and think, oh, I

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Speaker 1: want to Yeah, that sounds like a decent offering, we

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Speaker 1: would say, no, just take the one that comes to you. Yeah, yeah, yeah.

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Speaker 1: I mean, obviously they're trying to make it easy for you,

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Speaker 1: and there are tools out there that help you to

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Speaker 1: distinguish the best best cards. Head to have the money

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Speaker 1: dot Com slash credit card tool, but we just want

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Speaker 1: you to be intentional with the different credit cards that

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Speaker 1: you're signing up for, with the different specific offers that

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Speaker 1: that are out there, because some of them are still

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Speaker 1: worth it, like the chasetuff I preferred, though not as

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Speaker 1: great as it used to be, and it's heyday still

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Speaker 1: really staking solid. Yeah, so much capital one venture acts amazing,

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Speaker 1: Like those are the best ones that are that are

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Speaker 1: out there, So you just need to make sure that

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Speaker 1: you're targeting specific cards and avoiding the crappier ones like

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Speaker 1: the hotel specific It's kind of like going back to

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Speaker 1: the the travel airline rewards. Don't get a card that's

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Speaker 1: where you're beholden to a specific hotel chain, and instead

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Speaker 1: get the ones that have much more flexibility and much

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Speaker 1: better offerings as well, make it easy to book a

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Speaker 1: wide variety of things with the points you've accumulated. And

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Speaker 1: you're right, man, And so much does come down to

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Speaker 1: the way you spend as well. Right If you if

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Speaker 1: you're like I spend a lot of money every year

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Speaker 1: at Costco, you got to get the Costco car, Like,

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Speaker 1: that's at least one card you should have in your arsenal.

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Speaker 1: But if you're like I travel three times a year,

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Speaker 1: the Capitol One venture X or the Chase Affire prefer

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Speaker 1: Those are two of the best most flexible cards too that, yeah,

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Speaker 1: make it easy to use the points that you're, yeah,

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Speaker 1: that you're spending on travel. But we've got more to

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Speaker 1: get to on this episode where were specifically we want

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Speaker 1: to talk about saving money on prescription drugs. There's a

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Speaker 1: new promotion going on that could help you save a bundle.

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Speaker 1: We'll talk about that and more right after this. All right,

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Speaker 1: we're back. Let's continue on with a Friday flight where

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Speaker 1: we're discussing the stories that we think you need to

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Speaker 1: be paying attention to this week. And like you said, Jill,

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Speaker 1: we're gonna get to the prescription drug discounts. We're going

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Speaker 1: to talk about the best new cars, the best twenty

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Speaker 1: twenty three models out there that are also the cheapest,

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Speaker 1: the most affordable. But before we get to those stories,

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Speaker 1: we've got the ludacrous headline of the week, and this

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Speaker 1: week's actually comes from PC magazine and the headline reads,

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Speaker 1: nothing to watch video streaming options have exploded in the

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Speaker 1: past two years, which is it almost sounds like a

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Speaker 1: self defeating headline because it's like, wait, how do you

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Speaker 1: have nothing to watch when the options are more than

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Speaker 1: they have ever than we've ever seen before. Isn't that

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Speaker 1: exactly what it feels like though, There's this overwhelming choice,

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Speaker 1: and so we just sit there and we're like, I

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Speaker 1: can't I don't even know what Yes, So, like, the

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Speaker 1: TLDR is that the amount of content on the different

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Speaker 1: streaming services out there has increased by almost forty percent

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Speaker 1: over the past two years, which is a massive increase.

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Speaker 1: And there's nothing wrong with having more options, but does

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Speaker 1: having too many options actually prevent us from enjoying life

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Speaker 1: to the fullest? The old paradox of choice? Yeah? Yeah,

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Speaker 1: Like it reminds me of the phrase like there's water everywhere,

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Speaker 1: but not a drop to drink. Like, I feel like

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Speaker 1: that that is the situation that we are finding ourselves in,

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Speaker 1: speaking of TV content. It's like a throwback to the

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Speaker 1: lost days. Yeah, but this is the exact state that

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Speaker 1: we're in with streaming because with the vast array of options.

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Speaker 1: Nielsen they report that the average person that it takes

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Speaker 1: them at least ten minutes to figure out what to

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Speaker 1: even watch. And so we're putting this out there because

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Speaker 1: we want you to remember that time is going to

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Speaker 1: be a little more important than money here. We think

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Speaker 1: that watching a good TV show. We're big fans of

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Speaker 1: The Bear. That was a great series, one of the

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Speaker 1: best in recent memory. It can be super enjoyable, but

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Speaker 1: just be careful how much time that you spend zoning out.

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Speaker 1: It's weird because I'm sure folks are like, wait a minute,

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Speaker 1: I thought you you talk about how great TV is,

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Speaker 1: but then you talk about how terrible it is. What

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Speaker 1: I hate is the ability of time to just disappear.

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Speaker 1: When you just continue to watch the next episode. You

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Speaker 1: get sucked in and you're doing something that you don't

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Speaker 1: even like at the end of it. It's like junk food.

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Speaker 1: I mean, gosh, man, I sound like such a parent

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Speaker 1: right now, but like at the end of eating a

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Speaker 1: bunch of dessert, you're just like, man, I really regret that,

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Speaker 1: really overdid it. That's how I feel about streaming half

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Speaker 1: the time. And I'm saying this to myself as much

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Speaker 1: as to others out there. But we just got to

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Speaker 1: be careful. We have to moderate the amount of TV

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Speaker 1: and the amount of entertainment that we're consuming. Yeah, you know,

428
00:20:02,680 --> 00:20:05,200
Speaker 1: you're one hundred percent right, And I think it's telling

429
00:20:05,200 --> 00:20:07,359
Speaker 1: that it takes ten minutes just to figure out what

430
00:20:07,400 --> 00:20:09,920
Speaker 1: to watch, and I think it is just like overwhelming.

431
00:20:09,960 --> 00:20:13,800
Speaker 1: And as the number of streaming services as proliferated, we're

432
00:20:13,840 --> 00:20:15,680
Speaker 1: bouncing around to like three or four or five different

433
00:20:15,680 --> 00:20:17,080
Speaker 1: apps to figure out what we're going to watch, and

434
00:20:17,080 --> 00:20:19,000
Speaker 1: even on there, we're not really sure what's there. We're

435
00:20:19,040 --> 00:20:23,000
Speaker 1: digging around, and so that to me just is one

436
00:20:23,040 --> 00:20:25,399
Speaker 1: of the worst parts of the proliferation of streaming. And

437
00:20:26,320 --> 00:20:28,120
Speaker 1: if you're looking to cut down on that and you're

438
00:20:28,160 --> 00:20:31,480
Speaker 1: looking for better recommendations, there is a website and app

439
00:20:31,480 --> 00:20:33,520
Speaker 1: that can be helpful. It's called just Watch, And so

440
00:20:33,640 --> 00:20:36,120
Speaker 1: this is a way to kind of allow the algorithm

441
00:20:36,200 --> 00:20:37,880
Speaker 1: to help you figure out what's in your wheelhouse, maybe

442
00:20:37,920 --> 00:20:40,760
Speaker 1: recommend the things based on the things that you like

443
00:20:40,800 --> 00:20:44,040
Speaker 1: and enjoy that you're likely to enjoy in the future,

444
00:20:44,320 --> 00:20:46,320
Speaker 1: just so that you're at least not wasting the time

445
00:20:46,560 --> 00:20:48,040
Speaker 1: digging through the apps to trying to figure out what

446
00:20:48,080 --> 00:20:51,040
Speaker 1: to watch next. So you're like, you're singing the praises

447
00:20:51,040 --> 00:20:53,359
Speaker 1: of the algorithm, which is like, again, I've got a

448
00:20:53,359 --> 00:20:56,000
Speaker 1: love hate relationship with the algorithm, right, Like it makes

449
00:20:56,040 --> 00:20:59,199
Speaker 1: me think of there's a recent story too about on TikTok,

450
00:20:59,240 --> 00:21:03,280
Speaker 1: folks are watching like full length shows and on TikTok

451
00:21:03,280 --> 00:21:05,880
Speaker 1: when they're like split up into small little little pieces,

452
00:21:05,920 --> 00:21:08,160
Speaker 1: which is like a copyright violation, but they shut down.

453
00:21:08,240 --> 00:21:11,040
Speaker 1: Yeah no, yeah, but but basically what's gone on here

454
00:21:11,080 --> 00:21:13,880
Speaker 1: is that folks are relying on the algorithm and they're

455
00:21:13,920 --> 00:21:16,919
Speaker 1: just sitting there passively to receive to be told what

456
00:21:16,960 --> 00:21:19,640
Speaker 1: it is that they should consume. And man, I hate

457
00:21:19,680 --> 00:21:21,320
Speaker 1: that as opposed to like being a grown up and

458
00:21:21,520 --> 00:21:24,720
Speaker 1: an adult and actively choosing what it is that you

459
00:21:24,760 --> 00:21:26,639
Speaker 1: want to consume, that you want to watch, and then

460
00:21:26,640 --> 00:21:29,480
Speaker 1: you just get sucked into this. It's like a doom

461
00:21:29,520 --> 00:21:32,400
Speaker 1: scrolling version of entertainment. That's exactly what it is. That's

462
00:21:32,560 --> 00:21:34,680
Speaker 1: that's what bothers me so much about it. No, it's same,

463
00:21:34,800 --> 00:21:37,320
Speaker 1: and I think, yeah, we just we end up having

464
00:21:37,320 --> 00:21:40,560
Speaker 1: that TV coma afterwards oftentimes, or it's like what did

465
00:21:40,560 --> 00:21:42,000
Speaker 1: I even watch? And why did I do it for

466
00:21:42,040 --> 00:21:44,200
Speaker 1: so long? It's not healthy. Yeah, although I will sing,

467
00:21:44,560 --> 00:21:47,760
Speaker 1: I mean the algorithm I it does allow you to

468
00:21:47,800 --> 00:21:50,240
Speaker 1: discover new things that maybe you wouldn't found otherwise. It's

469
00:21:50,280 --> 00:21:52,960
Speaker 1: like my favorite pair of shorts I would never have

470
00:21:53,080 --> 00:21:55,560
Speaker 1: purchased if it wouldn't if it wasn't because it was

471
00:21:55,560 --> 00:21:58,400
Speaker 1: advertised to me, big vi it because of the algorithm

472
00:21:58,480 --> 00:22:00,240
Speaker 1: on social media. And that's where something like just watch

473
00:22:00,320 --> 00:22:02,760
Speaker 1: can be helpful, right, because then maybe you're spending less

474
00:22:02,760 --> 00:22:05,320
Speaker 1: time looking for stuff and settling on subpar things. It's

475
00:22:05,320 --> 00:22:07,080
Speaker 1: helping you find the things that are actually going to

476
00:22:07,119 --> 00:22:09,080
Speaker 1: be more enjoyable for you based on your viewing history,

477
00:22:09,160 --> 00:22:11,600
Speaker 1: based on what you like. But something else, Matt, that

478
00:22:11,680 --> 00:22:15,160
Speaker 1: we do passively is allow subscriptions to remain in our lives.

479
00:22:15,200 --> 00:22:18,280
Speaker 1: And there's this new study found that the main thing

480
00:22:18,359 --> 00:22:21,000
Speaker 1: that causes folks to eliminate a subscription is when their

481
00:22:21,040 --> 00:22:23,520
Speaker 1: credit or debit card expires and they are forced to

482
00:22:23,640 --> 00:22:27,119
Speaker 1: update their information with the streaming services like Hulu, Disney,

483
00:22:27,160 --> 00:22:30,280
Speaker 1: Paramount Plus whatever, and so are in attention to where

484
00:22:30,280 --> 00:22:32,920
Speaker 1: our money is going. Results in dollars flowing out of

485
00:22:32,960 --> 00:22:34,919
Speaker 1: our lives that could have been better spent elsewhere. Right,

486
00:22:35,119 --> 00:22:36,600
Speaker 1: And we've talked about this quite a bit, so I

487
00:22:36,920 --> 00:22:38,600
Speaker 1: don't want to be labor the point here, but do

488
00:22:38,680 --> 00:22:41,879
Speaker 1: a subscription audit, cancel the stuff you're not using. You

489
00:22:42,000 --> 00:22:44,359
Speaker 1: might find a decent chunk of change flowing out of

490
00:22:44,480 --> 00:22:46,639
Speaker 1: your accounts every month that you can claw back and

491
00:22:46,720 --> 00:22:49,159
Speaker 1: you can funnel into more useful causes because you might

492
00:22:49,200 --> 00:22:51,359
Speaker 1: be paying for that subscription. You're like, I never use

493
00:22:51,440 --> 00:22:53,280
Speaker 1: that thing. I never watch anything on that service anyway.

494
00:22:53,560 --> 00:22:56,400
Speaker 1: But the fact that like, we don't cancel until we're

495
00:22:56,480 --> 00:23:00,959
Speaker 1: kind of forced to update our credit card information is telling. Yeah, honestly,

496
00:23:01,080 --> 00:23:04,119
Speaker 1: it makes me think that there is only going to

497
00:23:04,160 --> 00:23:05,960
Speaker 1: be a limited amount of time remaining in the future

498
00:23:05,960 --> 00:23:08,119
Speaker 1: before credit card companies say, you know what, we're going

499
00:23:08,160 --> 00:23:11,200
Speaker 1: to do away with expiration dates, Like why do expiration

500
00:23:11,280 --> 00:23:14,399
Speaker 1: dates exist on credit card? Or they're at least going

501
00:23:14,440 --> 00:23:16,480
Speaker 1: to make them like a decade instead of three, Yeah,

502
00:23:16,520 --> 00:23:20,080
Speaker 1: because they like, why would they want to discount the

503
00:23:20,160 --> 00:23:22,359
Speaker 1: ability for you to continue to put charges on that

504
00:23:22,440 --> 00:23:24,920
Speaker 1: particular bigger loser is the company who you've got a

505
00:23:24,960 --> 00:23:27,920
Speaker 1: relationship with. It's not necessarily credit card company. It's because

506
00:23:27,920 --> 00:23:30,000
Speaker 1: they're missing on those services. Yeah, they're missing on the

507
00:23:30,160 --> 00:23:31,720
Speaker 1: recurring charges. All I'm saying is I think they're going

508
00:23:31,760 --> 00:23:34,639
Speaker 1: to get together and pretty soon time stamping. I think

509
00:23:34,640 --> 00:23:38,280
Speaker 1: they're going to eliminate expiration dates on credit cards moving forward,

510
00:23:38,400 --> 00:23:40,920
Speaker 1: especially as we've moved towards digital payments. It's making me

511
00:23:41,000 --> 00:23:42,919
Speaker 1: think of like Conan O'Brien's in the year three thousand,

512
00:23:43,000 --> 00:23:47,520
Speaker 1: this is your similar prediction. Let's talk about prescription drugs.

513
00:23:47,760 --> 00:23:50,399
Speaker 1: Good RX they've been one of the biggest game changers

514
00:23:50,440 --> 00:23:54,760
Speaker 1: when it comes to what consumers pay for their prescription drugs. Well, Walgreens,

515
00:23:54,800 --> 00:23:56,960
Speaker 1: they just announced that a whole slew of medications is

516
00:23:57,040 --> 00:23:59,840
Speaker 1: going to be discounted even further for folks who are

517
00:23:59,840 --> 00:24:03,720
Speaker 1: filling out their prescriptions at their local Walgreens. When they

518
00:24:03,800 --> 00:24:08,080
Speaker 1: flash the good Rx app, the language doesn't say how

519
00:24:08,119 --> 00:24:10,000
Speaker 1: long this is going to last. Like the language, the

520
00:24:10,000 --> 00:24:12,040
Speaker 1: words that they use were that it's going to be

521
00:24:12,080 --> 00:24:15,040
Speaker 1: a limited time offer. Yeah, so I don't know how limited, guys,

522
00:24:15,280 --> 00:24:17,400
Speaker 1: what that exactly means, but it's going to reduce drug

523
00:24:17,480 --> 00:24:19,720
Speaker 1: prices for a decent chunk of folks for at least

524
00:24:19,800 --> 00:24:22,399
Speaker 1: a hot minute. And here's the deal. At least a

525
00:24:22,520 --> 00:24:25,920
Speaker 1: third of Americans have opted to not fill a prescription

526
00:24:26,119 --> 00:24:29,000
Speaker 1: because of the cost of those drugs, And of course

527
00:24:29,040 --> 00:24:31,760
Speaker 1: that makes sense, as prescription drug prices have more than

528
00:24:31,840 --> 00:24:35,320
Speaker 1: outpaced the rate of inflation. But fortunately there are actually

529
00:24:35,520 --> 00:24:38,720
Speaker 1: more ways to save on prescriptions than ever before, not

530
00:24:38,920 --> 00:24:41,560
Speaker 1: just good RX. Sure good Rx is definitely definitely one

531
00:24:41,600 --> 00:24:44,920
Speaker 1: of them. They're one of the best actually places to turn,

532
00:24:45,400 --> 00:24:47,640
Speaker 1: but there are other places too, right would I would

533
00:24:47,680 --> 00:24:50,119
Speaker 1: definitely pull up the good Rx app or website before

534
00:24:50,320 --> 00:24:52,320
Speaker 1: I went to get a prescription filled, just kind of

535
00:24:52,400 --> 00:24:55,240
Speaker 1: shopping from my browser for my phone before I went

536
00:24:55,280 --> 00:24:58,040
Speaker 1: into a pharmacy to get it filled and costco. They've

537
00:24:58,080 --> 00:24:59,720
Speaker 1: often got the lowest price and you don't have to

538
00:24:59,720 --> 00:25:02,600
Speaker 1: be a member to fillip prescription there. That's worth noting.

539
00:25:02,720 --> 00:25:05,439
Speaker 1: That's where I go to get my my pseudo fedron.

540
00:25:05,560 --> 00:25:07,439
Speaker 1: That's when I take for my real stuff. Yeah, I'm

541
00:25:07,520 --> 00:25:11,160
Speaker 1: dealing with my allergies because the counter stuff is worthless.

542
00:25:11,320 --> 00:25:14,600
Speaker 1: The pseudo was it? What suit of Phenildrin's something like

543
00:25:14,800 --> 00:25:17,560
Speaker 1: something like that? The fake stuff. Man, I was so

544
00:25:17,720 --> 00:25:19,119
Speaker 1: mad when I saw that selling it for like a

545
00:25:19,240 --> 00:25:22,760
Speaker 1: decade that I've the companies that I have been selling

546
00:25:22,800 --> 00:25:25,439
Speaker 1: that stuff. I know that I've gave them so much

547
00:25:25,440 --> 00:25:27,720
Speaker 1: of my money thinking why don't because you don't want

548
00:25:27,720 --> 00:25:29,360
Speaker 1: to own up to having to get the stuff behind

549
00:25:29,400 --> 00:25:31,760
Speaker 1: the counter, Like I don't need to go that hardcore

550
00:25:31,840 --> 00:25:33,719
Speaker 1: or I don't need to get the real sudo fedrin

551
00:25:34,200 --> 00:25:36,600
Speaker 1: uh finil effering. That's what it's called. Okay, Instead, I'm

552
00:25:36,600 --> 00:25:38,639
Speaker 1: going to get the leg a little pink pill. And

553
00:25:38,960 --> 00:25:41,360
Speaker 1: turns out the FDA was like, it has no better

554
00:25:41,400 --> 00:25:44,720
Speaker 1: effect than a place ebo or on your sinus congestion placebo.

555
00:25:44,840 --> 00:25:47,040
Speaker 1: The placebo effects is real, So maybe it was mentally

556
00:25:47,040 --> 00:25:48,560
Speaker 1: helping you out a little. Wouldn't you rather just take

557
00:25:48,560 --> 00:25:51,000
Speaker 1: a tiny little sugar pill pay for a back at

558
00:25:51,000 --> 00:25:53,680
Speaker 1: twelve of them? Yes? I would? Well, Okay, so let's

559
00:25:53,760 --> 00:25:56,640
Speaker 1: keep talking about saving money on prescriptions. Mark Cuban Sight

560
00:25:56,680 --> 00:25:59,320
Speaker 1: that launched a couple years ago costs plus drugs. That's

561
00:25:59,520 --> 00:26:02,800
Speaker 1: changing the game on prescription drug pricing too. And a

562
00:26:02,880 --> 00:26:05,280
Speaker 1: lot of folks actually think that using their insurance is

563
00:26:05,320 --> 00:26:07,760
Speaker 1: going to result to the lowest possible price for that drug.

564
00:26:08,040 --> 00:26:10,600
Speaker 1: But that is often not the case, right, And you

565
00:26:10,680 --> 00:26:12,399
Speaker 1: know what you pay for that drug, it's not going

566
00:26:12,440 --> 00:26:14,560
Speaker 1: to count towards you're deductible if you pay with cash

567
00:26:14,840 --> 00:26:16,399
Speaker 1: or if you go through like good RX, Right, but

568
00:26:16,800 --> 00:26:19,440
Speaker 1: you might actually get such a better price that it

569
00:26:19,480 --> 00:26:22,040
Speaker 1: doesn't even matter. And one other way to save is

570
00:26:22,119 --> 00:26:24,720
Speaker 1: asking your doctor to write you a longer prescription, because

571
00:26:25,000 --> 00:26:27,119
Speaker 1: buying something like three or six months worth of meds

572
00:26:27,359 --> 00:26:30,080
Speaker 1: at a time that can result in a substantial per

573
00:26:30,160 --> 00:26:32,880
Speaker 1: dose discount as well. And so if you're still struggling

574
00:26:32,960 --> 00:26:34,800
Speaker 1: by the way to get the prescription drugs you need

575
00:26:34,920 --> 00:26:38,760
Speaker 1: at a reasonable cost, check out the nonprofit site needymeds

576
00:26:38,840 --> 00:26:41,919
Speaker 1: dot org. You can find helpful resources there. But there

577
00:26:41,960 --> 00:26:43,720
Speaker 1: are lots of ways to even as you see the

578
00:26:43,760 --> 00:26:46,879
Speaker 1: headline price of prescription drugs go up and up and up,

579
00:26:47,119 --> 00:26:48,840
Speaker 1: and it's true, it's kind of frightening to see that

580
00:26:49,200 --> 00:26:52,280
Speaker 1: there are more consumer friendly ways to save on a

581
00:26:52,320 --> 00:26:55,560
Speaker 1: lot of those prescription drugs than ever before too. That's right,

582
00:26:55,640 --> 00:26:58,960
Speaker 1: Let's get to our last story about cheat cars, Joel,

583
00:26:59,480 --> 00:27:01,720
Speaker 1: So it wasn't was it? Was it? A few weeks

584
00:27:01,760 --> 00:27:04,359
Speaker 1: ago we talked about how it's getting harder and harder

585
00:27:04,440 --> 00:27:06,920
Speaker 1: to find a new car for under twenty thousand dollars

586
00:27:07,200 --> 00:27:09,240
Speaker 1: like Mitsubishi. They announced that the Mirage is going to

587
00:27:09,280 --> 00:27:12,200
Speaker 1: be discontinued in twenty twenty five. I had forgotten rest

588
00:27:12,240 --> 00:27:16,240
Speaker 1: in that car existed before they announced this. Consumer Reports

589
00:27:16,560 --> 00:27:19,399
Speaker 1: they just released a list of the best cheap cars

590
00:27:19,520 --> 00:27:22,640
Speaker 1: of twenty twenty three, and it turns out they're really

591
00:27:22,920 --> 00:27:26,320
Speaker 1: dang close actually to that twenty thousand dollars mark. Some

592
00:27:26,440 --> 00:27:28,639
Speaker 1: of our favorites are up there that we're glad to see, right,

593
00:27:28,680 --> 00:27:31,600
Speaker 1: the Toyota Corolla, the Mazda three. They had a couple

594
00:27:32,040 --> 00:27:34,960
Speaker 1: subarus that were close to that mark, that twenty thousand

595
00:27:35,000 --> 00:27:38,080
Speaker 1: dollars price point as well, that rate really really well.

596
00:27:38,640 --> 00:27:40,960
Speaker 1: We're certainly glad to see that there are some affordable

597
00:27:41,040 --> 00:27:43,200
Speaker 1: options out there for folks. But don't forget that the

598
00:27:43,280 --> 00:27:47,240
Speaker 1: best way to pay less for a new car is

599
00:27:47,359 --> 00:27:51,160
Speaker 1: to actually get a new to you car. Let someone

600
00:27:51,240 --> 00:27:54,479
Speaker 1: else take that depreciation hit and look to used models

601
00:27:54,480 --> 00:27:58,760
Speaker 1: that are slightly older but potentially honestly even better for you, right,

602
00:27:58,840 --> 00:28:01,080
Speaker 1: like better for your needs, better for your lifestyle. So

603
00:28:01,200 --> 00:28:04,359
Speaker 1: we'll actually link to Consumer Reports list of best used

604
00:28:04,520 --> 00:28:07,720
Speaker 1: cars because so here's a little example. For nearly the

605
00:28:07,760 --> 00:28:10,639
Speaker 1: same price as a twenty twenty three Nissan Kicks. Is

606
00:28:10,720 --> 00:28:12,840
Speaker 1: that a real car? Which I don't even know what

607
00:28:12,920 --> 00:28:15,520
Speaker 1: that is. That's a weird name, But for the same

608
00:28:15,600 --> 00:28:18,920
Speaker 1: price you could snag at twenty eighteen tell you to Siena,

609
00:28:19,359 --> 00:28:21,479
Speaker 1: which is like, I mean, who doesn't want to s Ena? Right?

610
00:28:21,600 --> 00:28:23,600
Speaker 1: You can put the whole neighborhood in there. Yeah, I

611
00:28:23,680 --> 00:28:26,520
Speaker 1: mean maybe a van for everyone to pile into. Maybe

612
00:28:26,560 --> 00:28:28,639
Speaker 1: that's what you actually need. And so I guess what

613
00:28:28,720 --> 00:28:31,640
Speaker 1: I'm pointing to is, don't get lured into the fact

614
00:28:31,760 --> 00:28:33,439
Speaker 1: that like, oh, I can afford to bring new car,

615
00:28:33,680 --> 00:28:36,320
Speaker 1: and you've got in your mind this benchmark of like, oh,

616
00:28:36,400 --> 00:28:38,200
Speaker 1: you've always got to get the latest and greatest, as

617
00:28:38,240 --> 00:28:40,880
Speaker 1: opposed to actually stopping and thinking about what it is

618
00:28:40,960 --> 00:28:42,400
Speaker 1: that you need and to realize you might even be

619
00:28:42,440 --> 00:28:45,120
Speaker 1: able to get a better car, not only from a

620
00:28:45,160 --> 00:28:48,640
Speaker 1: lifestyle standpoint, but just from a consumer reports ratings standpoint

621
00:28:48,680 --> 00:28:50,960
Speaker 1: as well. But it just might be a few years old,

622
00:28:51,200 --> 00:28:53,080
Speaker 1: that's right. Yeah, And don't be ashamed to drive an

623
00:28:53,080 --> 00:28:55,280
Speaker 1: old car. No where does the badge of Bonner. But

624
00:28:55,400 --> 00:28:57,840
Speaker 1: I think if you want twenty twelve hand the Odyssey baby, yeah,

625
00:28:58,000 --> 00:29:00,600
Speaker 1: I think if you're gonna buy one of these cheaper,

626
00:29:00,680 --> 00:29:03,600
Speaker 1: you know, less expensive new cars, keep in mind a

627
00:29:03,640 --> 00:29:06,480
Speaker 1: couple of things. The reasons we think it's okay when

628
00:29:06,520 --> 00:29:08,480
Speaker 1: it's okay to buy a new car is when you

629
00:29:08,560 --> 00:29:11,400
Speaker 1: have a longer ownership timeline. If you're saying I'd like

630
00:29:11,480 --> 00:29:13,200
Speaker 1: to buy new, but I plan on owning it for

631
00:29:13,360 --> 00:29:16,600
Speaker 1: at least a decade, then it makes you have more

632
00:29:16,640 --> 00:29:18,360
Speaker 1: of an argument for buying a new car. Same thing

633
00:29:18,400 --> 00:29:20,320
Speaker 1: if you're buying an EV, especially when we're talking about

634
00:29:20,360 --> 00:29:24,040
Speaker 1: the federal tax rebates. If you're buying a less expensive EV, well,

635
00:29:24,160 --> 00:29:26,160
Speaker 1: there's a big difference between an EV that's six years

636
00:29:26,160 --> 00:29:28,040
Speaker 1: old and a brand new one in addition to the

637
00:29:28,120 --> 00:29:30,800
Speaker 1: fact that you can score a bigger discount on your taxes. Plus,

638
00:29:30,920 --> 00:29:32,920
Speaker 1: I know, Matt, some people are obsessed with the latest

639
00:29:33,040 --> 00:29:35,960
Speaker 1: safety features and that really does help keep your family safe,

640
00:29:36,000 --> 00:29:38,600
Speaker 1: and so that I think is another reason to consider

641
00:29:38,720 --> 00:29:40,520
Speaker 1: a newer car. But I think a lot of people

642
00:29:40,520 --> 00:29:42,920
Speaker 1: will talk themselves into it when they would be well

643
00:29:43,000 --> 00:29:46,760
Speaker 1: well served with a slightly older ride. Sure, yeah, Ben,

644
00:29:46,960 --> 00:29:50,320
Speaker 1: don't even let the safety argument be your excuse for

645
00:29:50,440 --> 00:29:52,160
Speaker 1: over spinning on a car too, because we kind of

646
00:29:52,160 --> 00:29:53,640
Speaker 1: talked about was it last week or a couple weeks

647
00:29:53,640 --> 00:29:55,320
Speaker 1: ago when we talked about the new iPhones, how it's

648
00:29:55,360 --> 00:29:58,479
Speaker 1: the incremental improvements. That's the same thing with cars when

649
00:29:58,520 --> 00:30:01,240
Speaker 1: it comes to the different crumple zone and airbags, Like,

650
00:30:01,320 --> 00:30:03,160
Speaker 1: they've all pretty much got airbags now, as long as

651
00:30:03,200 --> 00:30:06,040
Speaker 1: you're not buying a van from the early nineties or

652
00:30:06,680 --> 00:30:08,560
Speaker 1: or whatever it was. That though, started to get implemented,

653
00:30:08,800 --> 00:30:11,160
Speaker 1: and so just keep that in mind and certainly turn

654
00:30:11,200 --> 00:30:14,120
Speaker 1: to consumer reports for their ratings as well. And we'll

655
00:30:14,160 --> 00:30:15,880
Speaker 1: link to some of those lists in the show notes.

656
00:30:16,000 --> 00:30:18,520
Speaker 1: And we have a brand new, really long form car

657
00:30:18,600 --> 00:30:20,600
Speaker 1: buying guide that we just posted up on how to

658
00:30:20,680 --> 00:30:22,040
Speaker 1: money dot com. We'll link to that in the show

659
00:30:22,080 --> 00:30:24,719
Speaker 1: notes too, But right, very very helpful article. If you're

660
00:30:24,720 --> 00:30:26,600
Speaker 1: trying to, like from scratch, how do I think about

661
00:30:26,840 --> 00:30:28,840
Speaker 1: where a car fits into my life and into my budget?

662
00:30:29,120 --> 00:30:30,920
Speaker 1: Check that one out. But Matt, that's going to do

663
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Speaker 1: it for this episode. Yeah, We hope everyone has an

664
00:30:33,240 --> 00:30:35,640
Speaker 1: awesome weekend. Yeah, and we'll see you back here on

665
00:30:35,760 --> 00:30:39,560
Speaker 1: Monday with another new listener Questions episode. Until next time,

666
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Speaker 1: best Friends Out, Best Friends Out,