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

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Speaker 1: Matt and today we're talking with Julian and Kirsten from

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Speaker 1: Rich and Regular. That's right, Joel. Rich and Regular is

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Speaker 1: the blog of Julian and Kirsten, who are documenting their

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Speaker 1: journey towards financial independence. Their mission is to peel back

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Speaker 1: the curtain and provide an honest, informative, and irrelevant take

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Speaker 1: on ways you can improve your life through mastering personal finance.

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Speaker 1: They have found ways to pay down massive amounts of

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Speaker 1: bet and then continue to funnel those payments straight into investments.

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Speaker 1: And so I'm excited that they live here in Atlanta,

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Speaker 1: so we have the opportunity to sit down with them

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Speaker 1: in person and for them to share their story with us.

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Speaker 1: We'll talk with them here in a minute, but let's

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Speaker 1: quickly mention what beer we're gonna have today on the episode.

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Speaker 1: Joel all R. Yeah, Today on the show, we're drinking

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Speaker 1: the Last Blockbuster by Ten Barrel Brewing Company. And so

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Speaker 1: there literally is a last Blockbuster in the United States

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Speaker 1: in Bend, Oregon, and our mutual friend here, Scott Rickens,

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Speaker 1: sent us this beer. So Julian and Kirsten, welcome to

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Speaker 1: the show. Thank you so much. We're so excited to

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Speaker 1: be here. So we all know Scott and that's because

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Speaker 1: Scott has shot a documentary about the financial independence movement

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Speaker 1: and you guys were featured in it. And so, yeah,

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Speaker 1: really cool that we can have a beer that Scott

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Speaker 1: send us on the show today. Yeah I am. I'm

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Speaker 1: taking mental notes because Scott did not send me a beer,

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Speaker 1: So I look forward to having that conversation with him. Yeah,

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Speaker 1: he's in big trouble now, all right. So the first

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Speaker 1: question we want to ask you guys is so Matt

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Speaker 1: and I on the show, we drink a beer every

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Speaker 1: single week, and that's because we want to let everyone

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Speaker 1: know that it's really important, even along the path of

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Speaker 1: getting your finances together, it's really important to find the

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Speaker 1: things that are most meaningful to you, even in the

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Speaker 1: midst of that. And so like, what is your craft

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Speaker 1: beer when it comes to how you handle money? For me,

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Speaker 1: it's wine. So I won't say there's nothing are relaxing

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Speaker 1: than coming home from a long day at work and

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Speaker 1: just having a glass of wine on my patio, but

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Speaker 1: it's one of the things that just reminds me that

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Speaker 1: you can escape, you can kind of drink the world

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Speaker 1: through your glass. And even though I'm sitting among you know,

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Speaker 1: toddler toys and tantrums and dirty dishes, I turn on

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Speaker 1: a great Spotify mix or or Apple mix and you know,

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Speaker 1: just having my glass of wine. I wasn't actually expecting

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Speaker 1: it to be alcohol related. But that's right, that it is.

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Speaker 1: It sounds terrible that, like the thing that I value

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Speaker 1: is alcohol, but it's one of many. No, It's funny

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Speaker 1: because you know, she's making me think of the role

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Speaker 1: that alcohol plays in that relationship. You know, I think

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Speaker 1: about not even just you know, when we would achieve

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Speaker 1: financial milestones, but even for holidays and you know, pretty

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Speaker 1: much any celebration or just a random Thursday, um, you know,

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Speaker 1: whatever it was celebrating. You know, that's one of the

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Speaker 1: things that we do for us. We we gift it's

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Speaker 1: almost like we call it a gift to the house,

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Speaker 1: but it's really, uh typically a good bottle of wine. Yeah,

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Speaker 1: so interesting enough. Just while we're on this note, you

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Speaker 1: guys wrote on your blog that Yellowtail was a no

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Speaker 1: no right in yellow Tail kind of a cheap Australian wine,

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Speaker 1: and you mentioned a willingness to trade down on stuff

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Speaker 1: like that. So I feel like that totally resonates with

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Speaker 1: kind of us in our approach to money and how

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Speaker 1: we talked about it on the show. So how did

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Speaker 1: you decide that wine was was something that you weren't

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Speaker 1: willing to trade down on? I think we had a

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Speaker 1: lot of cheap wine to get there. We really tried.

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Speaker 1: We tried um, Mr money Mustache, who was another fire blogger,

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Speaker 1: recommended this boxed wine, which is actually pretty good. So

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Speaker 1: we tried like, I think five or six different varietals

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Speaker 1: of that and we found one that's pretty good. But

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Speaker 1: after a while, like they just all start to kind

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Speaker 1: of taste the same, and so we missed like the

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Speaker 1: story that wines tell, Like a good wine as it

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Speaker 1: opens up and as you're describing the flavors and like

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Speaker 1: that in and of itself is an experience, and you know,

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Speaker 1: we just we just really value experiences and we couldn't

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Speaker 1: get as rich of a drinking experience through cheaper lines. Yeah. Well,

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Speaker 1: and Joel, I've just mentioned this. But the reason we

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Speaker 1: do that, right is is to find balance between showing

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Speaker 1: that we're enjoying life now there's things that we are

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Speaker 1: going to take time for right now and it's not

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Speaker 1: all about the someday we're gonna do this. Someday we're

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Speaker 1: gonna reach this goal. In particular with kids, there's so

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Speaker 1: much of life that's happening right now. I know that

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Speaker 1: you guys have a of his son now, and so

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Speaker 1: that's a big reason why we have the beer on

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Speaker 1: the show. Is just it's not like we we don't

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Speaker 1: treat ourselves enough day to day, but it's it's a

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Speaker 1: tangible way maybe for us to say, you know what, Yes,

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Speaker 1: we talk about money every week on the show, but

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Speaker 1: it's not all about deprivation. It's all it's about finding

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Speaker 1: your priorities and kind of honing in on those specific

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Speaker 1: things and from there you can start making cuts. Right

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Speaker 1: Like you're not gonna make cuts when it comes to wine,

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Speaker 1: but there's other things that you don't value. Then maybe

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Speaker 1: that's what you're gonna do. Um, And that's what you

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Speaker 1: talk a lot about on your blog. Is that right,

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Speaker 1: Rich and Regular? Yep, that's correct. So on Rich and Regular,

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Speaker 1: we're documenting everyday decisions through the lens of money. So

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Speaker 1: we talk about the obscure tasks of enrolling in health

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Speaker 1: insurance to how we manage our son's birthday parties. We

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Speaker 1: didn't have one for the record to just how we

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Speaker 1: how we live. And what we found is that, to

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Speaker 1: your point, the path to any sort of financial goal

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Speaker 1: isn't always just about the big milestones, not about opening

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Speaker 1: these accounts. It's about the everyday decisions and how they

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Speaker 1: build and how they compound into freeing up more income,

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Speaker 1: you know, to to invest. So, yeah, is that where

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Speaker 1: the name came from? Them? So rich and regular? Right,

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Speaker 1: So explain that a little bit. You know, I've got

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Speaker 1: about three different versions of this story because I don't

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Speaker 1: really remember, but I can tell you what creeped into

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Speaker 1: my mind the day that had happened. And it was

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Speaker 1: really a scene from Coming to America. So there's the

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Speaker 1: sexual chocolate scene and uh there's a moment where the

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Speaker 1: guys are clapping and he's like that guy's good, that's

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Speaker 1: what good and he's like he's good and terrible. Uh,

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Speaker 1: And so for me, I was like, yeah, I want

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Speaker 1: to be rich. It is gonna be rich and regular,

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Speaker 1: you know, I just want to be a regular person,

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Speaker 1: you know what I mean. I don't want to be

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Speaker 1: uh celebrity or famous or anything like that. And I

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Speaker 1: think what most people use is they use the word comfortable,

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Speaker 1: but comfortable and regular is a terrible you So that's boring.

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Speaker 1: That just sounds really really terrible and long and clunky.

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Speaker 1: So you know, we we came up with that name

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Speaker 1: and it felt like something that, uh, we would aspire

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Speaker 1: to be, and I guess in a way is who

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Speaker 1: we are. See you guys write about a lot of

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Speaker 1: different things on your blog. How does that translate for

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Speaker 1: you guys into talking about finances with the people that

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Speaker 1: are closest to you when it comes to like your

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Speaker 1: family and your close friends. Does having written about this

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Speaker 1: stuff and got it out kind of on paper to

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Speaker 1: certain extent, does that make it easier than to open

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Speaker 1: up the conversation with other people around you? It makes

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Speaker 1: it easier to open up the conversation. I think a

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Speaker 1: lot of people will use what we've written on the

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Speaker 1: blog as a springboard to ask a big question, But

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Speaker 1: it doesn't make navigating the conversation any easier because I

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Speaker 1: think people just aren't used to talking about money in

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Speaker 1: a asual way. And the way that we talk about

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Speaker 1: it is we're not going to tell you what to do,

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Speaker 1: Like we're not advisors or even experts. But what we

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Speaker 1: can do is help you think through why you're making

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Speaker 1: the choices that you are and ask you how do

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Speaker 1: you see this ending? And that's usually where people get uncomfortable,

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Speaker 1: because it lands them in a place where it's like, oh,

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Speaker 1: I probably do need to change something, and all the

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Speaker 1: things that you can change are again on our blog.

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Speaker 1: But I don't know. It's almost like people need permission,

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Speaker 1: and we're here to just serve as an example and

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Speaker 1: give you that permission, sort of in an indirect way

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Speaker 1: to say, hey, we're still living good. We're doing this.

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Speaker 1: We're not depriving ourselves or splitting applies on toilet paper,

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Speaker 1: but you can do this. Oh that's great. Also, in

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Speaker 1: your blogging, you've written about the impact that being a

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Speaker 1: Black American has on your personal finances, So we want

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Speaker 1: to talk about that some what specific struggles and views

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Speaker 1: towards money do you see in the black community. You know,

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Speaker 1: we just had to meet up last night with about

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Speaker 1: ten people, I think or so many of them were friends,

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Speaker 1: some were like followers, people that we've met along the way,

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Speaker 1: and I've just been one of those people that have

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Speaker 1: always been very transparent about our struggles and what we've

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Speaker 1: found is consistent. And again talking primarily about our experiences

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Speaker 1: that a lot of us, though we've got the credentials

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Speaker 1: that we have the experience, we just somehow struggled to

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Speaker 1: attain certain levels of achievement in the workplace, particularly what

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Speaker 1: people you know, call corporate America. Right when you look

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Speaker 1: further up your organization, you don't see as many people

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Speaker 1: of color. When you look further down, there's like, oh,

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Speaker 1: there they are. And in the city like Atlanta, where

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Speaker 1: you've got so many talented people, so much experience, that

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Speaker 1: seems like that shouldn't be the case, but unfortunately it is.

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Speaker 1: At least that was part of our experience, and it

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Speaker 1: was certainly the experience of a lot of our friends

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Speaker 1: and so um, what we do is we talk about

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Speaker 1: that in workplace culture and all of those challenges and

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Speaker 1: some of the things that African Americans deal with in

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Speaker 1: the workplace. Uh and and sometimes we're telling our own

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Speaker 1: stories sometimes as are sort of telling the stories of

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Speaker 1: people that we know when some of the struggles that

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Speaker 1: they've gone through. But what we've ultimately done is given

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Speaker 1: people another option and say, hey, there is life outside

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Speaker 1: of the traditional path of going to school. Getting a

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Speaker 1: job and hoping to retire someday. Yeah, and if that's

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Speaker 1: a struggle honestly in the city of Atlanta, then it's

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Speaker 1: an even bigger struggle in most of the other cities

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Speaker 1: in America, because there's a thriving black community here where

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Speaker 1: we live in this town. And so, yeah, that's interesting

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Speaker 1: to hear that perspective. What suggestions do you have for

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Speaker 1: our listeners who who might come from a disadvantaged economic

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Speaker 1: place and who say, yeah, I see that those same

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Speaker 1: issues and I don't see room for advancement for myself.

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Speaker 1: How how should they go about navigating that? What sort

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Speaker 1: of tips do you have for for a listener in

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Speaker 1: that in that situation? Well, one, I would say, listen

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Speaker 1: to every episode of How the Money Get You are hired?

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Speaker 1: But no, you guys, you know, talk about money in

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Speaker 1: a way that I just think it is really makes

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Speaker 1: people comfortable, puts people at ease. I think people who

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Speaker 1: talk about money, I know just how awkward it is

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Speaker 1: and we're kind of like, I don't know, why is

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Speaker 1: this so awkward? So we're like superheroes in that in

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Speaker 1: that regard. But I think the absolute best thing you

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Speaker 1: can do is get out of debt, because once you're

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Speaker 1: out of debt, you've got a runway. Right now, you've

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Speaker 1: got a little bit more wiggle room to take some risks,

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Speaker 1: maybe start a business, maybe focus on personal development and

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Speaker 1: learn how to invest in real estate or just something

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Speaker 1: else with the goal of creating income that otherwise may

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Speaker 1: not have been accessible to you. So on the note

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Speaker 1: of debt, you guys have paid off two hundred thousand

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Speaker 1: dollars in five years. That's a ton. Yeah, that is

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Speaker 1: an awesome amount of debt paid off. Not awesome that

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Speaker 1: like it's good that you had it right, but and

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Speaker 1: I mean that's a very focused amount of time as well.

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Speaker 1: And so was there like an epiphany that you guys have,

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Speaker 1: Like was there a moment where you know, like it

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Speaker 1: clicked and you guys knew that, Okay, this is something

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Speaker 1: that we're going to start knocking out, like this is

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Speaker 1: the new life that we're subscribing to. Yeah. I think

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Speaker 1: there were a couple of them. The first milestone was

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Speaker 1: when we started talking about marriage. Now this was before

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Speaker 1: we were engaged, but we were just talking about the

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Speaker 1: life that we want to live as married couples, and

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Speaker 1: we were reading about marriage like nerds. Yeah, we knew

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Speaker 1: we didn't want to go like the traditional path of

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Speaker 1: like premarriable counseling. So we were just trying to create

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Speaker 1: like what we needed to overcome in order to feel

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Speaker 1: like we were ready for marriage. And so we started

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Speaker 1: reading these articles and we saw that money was one

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Speaker 1: of the top reasons why people were getting divorced, and

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Speaker 1: we just wanted to take that off the table, like

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Speaker 1: that felt like something that was within our control that

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Speaker 1: we could sow for, and so we started figuring out

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Speaker 1: how do we do that, and removing debt was one

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Speaker 1: of the solutions. Man, that's so true that money issues

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Speaker 1: in a marriage. They're the number one reason that marriage

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Speaker 1: is dissolved, and so tackling that up front, thinking about

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Speaker 1: it and talking about it before you even enter into

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Speaker 1: marriage is so important. So, yeah, anybody who's listening out

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Speaker 1: there who isn't married yet but they're getting serious or whatever,

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Speaker 1: you need to start having those conversations now because it

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Speaker 1: only gets more difficult once you get married. Right on

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Speaker 1: that note, two thousand dollars in five years. What was

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Speaker 1: your mindset now that you started to have this epiphany

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Speaker 1: and you're like, we don't want that to be an

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Speaker 1: issue in our marriage. How did you end up going

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Speaker 1: about eradicating that debt getting rid of it? Yeah, it

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Speaker 1: was really regimented. My mindset has since changed towards debt

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Speaker 1: payoff after doing that for five years, But it was

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Speaker 1: really regimented to the point where we'd write down our goals,

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Speaker 1: and we create goals for like six month periods or

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Speaker 1: hundred day periods. They were short terms, so we'd have

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Speaker 1: a reason to celebrate when we hit them. Yeah, it is.

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Speaker 1: It's super key, And so we write everything down, do

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Speaker 1: the math, and every single time we got paid, we

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Speaker 1: would reallocate that money towards our debt. And so it was.

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Speaker 1: It was a system that was clicking and for the

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Speaker 1: most part automated, and we just kept powering through and

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Speaker 1: figuring out what we value to free up more income.

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Speaker 1: Along the way, we got raises and promotions and earn more,

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Speaker 1: so it became we had a bigger shovel at some point. Yeah,

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Speaker 1: did you just funnel everything extra straight towards that debt

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Speaker 1: or did you increase your lifestyle at all along the way.

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Speaker 1: We did not crease our lifestyle much in that five years.

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Speaker 1: We got engaged, we got married, there's a lot of

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Speaker 1: life change. They had a baby exactly. Yeah, but we

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Speaker 1: tried not to to really increase our lifestyle. Even when

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Speaker 1: we had our son, we were making his food. We

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Speaker 1: didn't go as far as cloth diapering because that's just

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Speaker 1: not my My spirit told me to handle cloth diapers.

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Speaker 1: Although I will say they've gotten a little bit easier.

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Speaker 1: They're not as bad as they were in like the

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Speaker 1: nineteen eighties. Okay, here, that's what I hear. There's liners

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Speaker 1: and like all kind of fun stuff. But I don't know,

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Speaker 1: just I wasn't there yet. You're right, we didn't increase

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Speaker 1: our lifestyle much, but you did coin this term that

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Speaker 1: I really loved at the time, and you haven't said

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Speaker 1: it much, but it was elevated every day, right, And

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Speaker 1: it was like, you know, stop focusing on all these

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Speaker 1: big things. And I was like, you know what, we're

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Speaker 1: going to get better. Our new standard of coffee is

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Speaker 1: gonna be a little better, right, And it was like,

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Speaker 1: it's just those little things, like we're gonna graduate from

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Speaker 1: yellowtel to these other wines. Right. It was just the

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Speaker 1: little things, the things that mattered more to us as

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Speaker 1: opposed to great I got this job or not even

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Speaker 1: a job I got. I accepted the offer, and now

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Speaker 1: I expect to have more income and I'm gonna go

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Speaker 1: ahead and spend the money that I don't even have

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Speaker 1: yet on a new car. That's the sort of thing

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Speaker 1: that we you know, we hear a lot, uh and

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Speaker 1: people do, and it's it's one of the things that

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Speaker 1: doesn't really work for you when you're looking to get

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Speaker 1: out at debt. So it was like coffee, it was wine.

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Speaker 1: She's like crazy, you obsessed about hand soap. So we

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Speaker 1: got like fancy hand soap, which is expensive. Fancy or

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Speaker 1: lungry detergent, you know, like those things. Mattered everything that

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Speaker 1: smells like something, it sounds like to like the things

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Speaker 1: that you touch every day. So you're touching your sheets

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Speaker 1: every day, your tooth baste, your toothbrush, your coffee, just

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Speaker 1: the little stuff, the little stuff. If you touch it

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Speaker 1: every day, then yeah, we should try to like tweak

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Speaker 1: it up a little bit. And those are such minor

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Speaker 1: upgrades that they don't really cost that much in the

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Speaker 1: grain scheming thing when you're looking at your overall budget,

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Speaker 1: those small upgrades cost way less. When you're talking about

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Speaker 1: over the course of a year. Then the extra payments,

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Speaker 1: even on on a slightly newer car, right, a slightly

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Speaker 1: better car. But they're these things that are tactile and

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Speaker 1: they feel really good all the time, but that they

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Speaker 1: improve the at home experience, right, And if you can

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Speaker 1: do that and you feel more comfortable at home, whether

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Speaker 1: it's cooking at home or just having more date nights

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Speaker 1: and those sorts of things really really help. And I

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Speaker 1: guess that was our strategy. It's not like we plan that,

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Speaker 1: but that was really our strategy. And I think particularly

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Speaker 1: when you're living small, because that's like one of the

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Speaker 1: best things you could ever do is like not get

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Speaker 1: the big house weight, continue to live small. The goal

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Speaker 1: was to live small for as long as we can

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Speaker 1: and continue to bank those raises, continue to pay off debt,

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Speaker 1: and once people done with that, we could then start

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Speaker 1: moving on to the next level. So you mentioned elevating

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Speaker 1: the every day. A lot of folks who are more

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Speaker 1: maybe hardcore on not letting their their life continue to

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Speaker 1: expand might hear that and call that lifestyle creep. To you, guys,

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Speaker 1: what is the difference between lifestyle creep and what you

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Speaker 1: call elevating the every day? I think lifestyle creep is

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Speaker 1: when you elevate your lifestyle out of faster pace than

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Speaker 1: your income. What we're talking about is giving yourself room

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Speaker 1: to evolve and enjoy things differently as you grow. And

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Speaker 1: so this idea of keeping a fixed income forever and

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Speaker 1: ever doesn't give you room to find out that you

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Speaker 1: don't like being ashy anymore, or that you don't enjoy

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Speaker 1: yellow tail as much as other things. And so that's

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Speaker 1: one of our you know, keys for success is being

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Speaker 1: open minded to let each other change. Julian decided that

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Speaker 1: he wanted to grow his hair out recently, which means

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Speaker 1: he now has to purchase different hair products. Afro gotta

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Speaker 1: stake and so she's just taking it back to coming

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Speaker 1: to America. So yeah, so that means we have to

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Speaker 1: make room in our budget for male hair care products

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Speaker 1: along with mine. And I wouldn't consider that lifestyle creep.

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Speaker 1: It's elevating the way that he feels about himself and

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Speaker 1: you know, his confidence level and making sure those in

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Speaker 1: state moisturized, making sure the soul glow is in stock.

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Speaker 1: So anyway, yeah, it's just giving yourself room to evolve

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Speaker 1: and like different things. And so what about maybe doing

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Speaker 1: less of something, but enjoying the good parts more. I

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Speaker 1: think that's a really important thing that people can gravitate

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Speaker 1: towards as well. So maybe you were drinking a couple

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Speaker 1: of bottles of wine a week, and then you say,

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Speaker 1: you know what, We're gonna drink two bottles of wine

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Speaker 1: a month, but we're gonna drink the good stuff. It

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Speaker 1: doesn't necessarily cost you more in the budget every single month,

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Speaker 1: but you are taking that time to instead really really

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Speaker 1: appreciate the good stuff as opposed to just doing things

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Speaker 1: more often. Yes, that that has been true for us.

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Speaker 1: We didn't know that going into it, but you're absolutely

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Speaker 1: right now it feels like a special occasion and you

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Speaker 1: don't want to dilute that experience by having it every

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Speaker 1: single day. Like I really want to look forward to

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Speaker 1: this great bottle of wine, and even though I only

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Speaker 1: get it once a week, I know it's dope and

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Speaker 1: that's all I needed. We're kindred spirits, man. You also

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Speaker 1: drink slower when it's the good. Yes, you want it,

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Speaker 1: you want to enjoy it, absolutely, So quickly, let's move

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Speaker 1: back to that debt that you paid off. I want

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Speaker 1: to keep talking about Julian's hair though the haircare for products.

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Speaker 1: Jill doesn't rock the products quite as much, but you know,

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Speaker 1: for this volume, it takes a little bit of work here.

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Speaker 1: But part of that two dollars was your house, was

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Speaker 1: the house that you guys used to live in. Was

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Speaker 1: that more of an emotional decision? Was a numbers based

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Speaker 1: sort of thing. I would love to hear how you

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Speaker 1: approached making that decision and yeah, actually making it happen. Yeah,

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Speaker 1: And so it was also a bit of buyers remore

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Speaker 1: mixed up in there too, right. So I bought that

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Speaker 1: house it was the town House and Marietta in two

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Speaker 1: thousand and six, I believe, you know, two thousand and seven,

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Speaker 1: two thousand and eight, halven, and it was completely you

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Speaker 1: know that the value of that home drafted in about

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Speaker 1: to about half uh and so I remember reading a

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Speaker 1: Warren Buffett quote. It was something to the effect of, uh,

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Speaker 1: you know, smart people just never lose money. And I

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Speaker 1: just felt, you know, it was almost like a bit

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Speaker 1: of stubbornness in me. I was like, you know what,

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Speaker 1: I am not going to lose money on this deal.

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Speaker 1: So that was part of my commitment to just hold

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Speaker 1: onto that thing. And I wouldn't recommend everybody do that,

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Speaker 1: but I was willing to do that, and then when

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Speaker 1: we met, we decided to, uh, stay in that house

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Speaker 1: and renovate that house as post to saying, you know what,

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Speaker 1: now that we're together, let's just move up, which is

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Speaker 1: again the very typical path. Now that we're in a relationship,

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Speaker 1: let's go, you know, buy a house is three times

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Speaker 1: our our income. We said, no, let's let's think about

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Speaker 1: this for a second. Let's stay here, and then let's

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Speaker 1: elevate the every day. We got a trademark there. Yeah,

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Speaker 1: I'm pretty sure I read that somewhere like I don't

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Speaker 1: want to take credit there. Before you trade market, make

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Speaker 1: sure it's not already trademark. But our goal was to

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Speaker 1: stay there. Living at that house at the time, I

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Speaker 1: want to say it was four square feet a bit

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Speaker 1: more comfortable, which allowed us to stay there for about

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Speaker 1: three or four more years. Now to your question about

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Speaker 1: paying off the dead on that home, there was another

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Speaker 1: layer to that, and it was really because my mother

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Speaker 1: is what you would consider financially insecure, and so that's

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Speaker 1: something that we factor into our lifestyle. And I said,

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Speaker 1: you know what, if nothing else, I need to own

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Speaker 1: a home or somewhere where she can live and not

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Speaker 1: have to worry about anything, and so we made a

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Speaker 1: point to do that. She's in a much better position

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Speaker 1: now than she was before, and so you know, everybody's happy.

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Speaker 1: You know, she's uh in a home that she enjoys.

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Speaker 1: Now we have a second mental property and we're now

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Speaker 1: in a better home than we were before. So it

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Speaker 1: all worked out all right. So we want to get

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Speaker 1: into kind of rental property investing a little bit with

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Speaker 1: you guys later on in the show, but right after

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Speaker 1: the break, we want to talk about kids and how

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Speaker 1: that affects your journey towards getting your money game together.

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Speaker 1: And also, Julian, you recently wrote an article about how

430
00:20:30,280 --> 00:20:32,879
Speaker 1: your pursuit of financial independence has impacted your ability to

431
00:20:32,880 --> 00:20:34,680
Speaker 1: be a good dad, and so yeah, let's talk about

432
00:20:34,680 --> 00:20:45,080
Speaker 1: that right after the break. Sounds good, all right, Joe,

433
00:20:45,160 --> 00:20:47,480
Speaker 1: we are back and again we're here with Kirston and

434
00:20:47,560 --> 00:20:50,720
Speaker 1: Julian from Rich and regular guys. We're gonna talk something

435
00:20:50,720 --> 00:20:53,359
Speaker 1: now about lifestyle relationships kind of stuff. You've got a

436
00:20:53,359 --> 00:20:57,240
Speaker 1: little boy, right, yeah, what's his name? Boh, that's cute.

437
00:20:57,280 --> 00:20:59,760
Speaker 1: I love it. On the show, we talk a lot

438
00:20:59,800 --> 00:21:02,520
Speaker 1: of about the why behind our money and so for

439
00:21:02,560 --> 00:21:05,560
Speaker 1: you guys, we haven't really talked about just flat out

440
00:21:05,600 --> 00:21:07,720
Speaker 1: like what was your why? Right, But I want to

441
00:21:07,760 --> 00:21:09,880
Speaker 1: kind of place that though in the context of when

442
00:21:09,880 --> 00:21:12,880
Speaker 1: you had your son, did that why changed or did

443
00:21:12,920 --> 00:21:15,560
Speaker 1: it change more maybe when you two got married. Yeah,

444
00:21:15,600 --> 00:21:17,800
Speaker 1: I mean I don't know that the why change because

445
00:21:17,800 --> 00:21:20,840
Speaker 1: our why was always generational wealth and just sort of

446
00:21:20,920 --> 00:21:24,000
Speaker 1: evolving our family tree so that people that came after

447
00:21:24,080 --> 00:21:26,840
Speaker 1: us would have a different start. But after I had Bow,

448
00:21:27,000 --> 00:21:30,680
Speaker 1: I realized how many decisions that you make along raising

449
00:21:30,680 --> 00:21:34,200
Speaker 1: a child that are dependent on money or involve money

450
00:21:34,240 --> 00:21:37,240
Speaker 1: as a factor. And I realized it just became super

451
00:21:37,240 --> 00:21:40,439
Speaker 1: clear that generational wealth isn't just about leaving money behind.

452
00:21:40,760 --> 00:21:43,160
Speaker 1: It is truly about the way that you raise your children,

453
00:21:43,240 --> 00:21:46,080
Speaker 1: how present you can be, the energy that you have

454
00:21:46,240 --> 00:21:49,720
Speaker 1: for them, how patient you can be. And it became

455
00:21:49,760 --> 00:21:51,960
Speaker 1: more clear as to why we were doing this, why

456
00:21:52,000 --> 00:21:55,080
Speaker 1: we needed to move remove money as a stressor in

457
00:21:55,119 --> 00:21:57,760
Speaker 1: our lives, because it allows us to be truly present

458
00:21:57,800 --> 00:22:04,960
Speaker 1: and patient with a toddler. Toddlers require, yes, they're also

459
00:22:05,080 --> 00:22:07,320
Speaker 1: at the same time, when you have a young child,

460
00:22:07,640 --> 00:22:10,760
Speaker 1: there these extra financial challenges. Right. We talked recently Matt

461
00:22:10,800 --> 00:22:13,560
Speaker 1: on the show about how having kids is expensive. It's

462
00:22:13,560 --> 00:22:15,520
Speaker 1: not as expensive as everyone says it's going to be.

463
00:22:15,960 --> 00:22:19,600
Speaker 1: How have you guys managed to continue to maintain a

464
00:22:19,680 --> 00:22:23,240
Speaker 1: real focused attitude towards saving and investing money once you

465
00:22:23,240 --> 00:22:25,280
Speaker 1: had a kid. So it's interesting you asked that question

466
00:22:25,320 --> 00:22:28,440
Speaker 1: because you know, it was bringing me back to seventeen,

467
00:22:28,480 --> 00:22:31,520
Speaker 1: which is when we paid off the mortgage on our

468
00:22:31,760 --> 00:22:34,480
Speaker 1: old home. One of the reasons we did that. One

469
00:22:34,480 --> 00:22:36,159
Speaker 1: of the other reasons less just say we did that

470
00:22:36,280 --> 00:22:39,560
Speaker 1: was because we wanted to normalize the spending on our budget. Right,

471
00:22:39,600 --> 00:22:40,639
Speaker 1: So I was like, all right, let's give it to

472
00:22:40,640 --> 00:22:43,080
Speaker 1: the mortgage. And once you add a kid, that makes

473
00:22:43,119 --> 00:22:45,439
Speaker 1: you know, we won't really feel it as much, whereas

474
00:22:45,440 --> 00:22:47,840
Speaker 1: if we kept that, we would really really feel it. It

475
00:22:47,760 --> 00:22:50,159
Speaker 1: It would stu the budget that much more. Uh, And

476
00:22:50,200 --> 00:22:52,320
Speaker 1: so yeah, we didn't really feel it. But I would

477
00:22:52,320 --> 00:22:55,520
Speaker 1: also say, our sons that are taught us what he liked,

478
00:22:55,720 --> 00:22:57,280
Speaker 1: and he likes to pick up sticks in the park.

479
00:22:58,600 --> 00:23:00,639
Speaker 1: He doesn't like things that make a lot of noise.

480
00:23:00,640 --> 00:23:03,560
Speaker 1: He doesn't like big, scary, you know, things that light up.

481
00:23:03,600 --> 00:23:05,560
Speaker 1: He likes to pick up sticks in the park. No

482
00:23:05,680 --> 00:23:09,920
Speaker 1: monster him yet, he's just starting to get into trucks.

483
00:23:09,960 --> 00:23:12,320
Speaker 1: But again, you know, he likes what he likes, and

484
00:23:12,400 --> 00:23:13,720
Speaker 1: so he taught us it's like, you know what, there's

485
00:23:13,760 --> 00:23:16,840
Speaker 1: nothing better than a stick or you know, a box.

486
00:23:17,600 --> 00:23:20,560
Speaker 1: He really likes boxes, and so hey, here's a box

487
00:23:20,920 --> 00:23:23,840
Speaker 1: and it's like ninety nine cents or it came from

488
00:23:23,840 --> 00:23:27,239
Speaker 1: an Amazon or something like that, and he will go

489
00:23:27,359 --> 00:23:29,320
Speaker 1: nuts for about twenty thirty minutes. And that's all you

490
00:23:29,320 --> 00:23:31,400
Speaker 1: can ask for. So those there are tons of other

491
00:23:31,440 --> 00:23:33,959
Speaker 1: ways besides you know, spending a bunch of money on

492
00:23:34,080 --> 00:23:37,120
Speaker 1: toys or certainly dressing your kid up as some sort

493
00:23:37,119 --> 00:23:39,480
Speaker 1: of g Q model. We don't do that. But we're

494
00:23:39,480 --> 00:23:42,399
Speaker 1: also really grateful because we've got tons of generous family

495
00:23:42,440 --> 00:23:45,360
Speaker 1: and friends that you know, like to buy things for him,

496
00:23:45,400 --> 00:23:48,000
Speaker 1: and so we really haven't had to buy a lot

497
00:23:48,000 --> 00:23:51,040
Speaker 1: of those things. Yeah, I think we were very intentional

498
00:23:51,640 --> 00:23:54,240
Speaker 1: even around the baby shower, around like what we registered

499
00:23:54,280 --> 00:23:57,480
Speaker 1: for and around his first birthday, we were pretty intentional

500
00:23:58,040 --> 00:24:01,040
Speaker 1: around sort of what we lane that he was into.

501
00:24:01,200 --> 00:24:04,200
Speaker 1: We told people that we would love, you know, previously

502
00:24:04,280 --> 00:24:07,479
Speaker 1: loved items if you had toys that your children had

503
00:24:07,520 --> 00:24:10,120
Speaker 1: grown out of, and so we just level set all

504
00:24:10,160 --> 00:24:12,159
Speaker 1: the people around us, so he's never been around a

505
00:24:12,160 --> 00:24:15,119
Speaker 1: ton of stuff, which, to Julian's point, he shows us

506
00:24:15,119 --> 00:24:18,360
Speaker 1: what he gravitates to, and it's not toys because he's

507
00:24:18,359 --> 00:24:21,960
Speaker 1: not immersed in toys all the time. Being immersed in

508
00:24:22,000 --> 00:24:24,720
Speaker 1: toys as a parent, it just starts to get overwhelming

509
00:24:24,720 --> 00:24:26,119
Speaker 1: because you've got to pick it up socially when you

510
00:24:26,119 --> 00:24:28,720
Speaker 1: have a young kid. And so the smaller you can

511
00:24:28,800 --> 00:24:31,280
Speaker 1: keep that toy closet, I think, the more intently they

512
00:24:31,320 --> 00:24:33,280
Speaker 1: play with the few toys that they have, and then

513
00:24:33,320 --> 00:24:35,840
Speaker 1: there's like less stuff on the parent to to figure

514
00:24:35,880 --> 00:24:37,879
Speaker 1: out how to clean all that crap up exactly. So

515
00:24:37,920 --> 00:24:39,919
Speaker 1: let's get to that article that Joel mentioned, Julian that

516
00:24:39,960 --> 00:24:42,639
Speaker 1: you wrote about being a father, how being smart with

517
00:24:42,640 --> 00:24:45,040
Speaker 1: your money has affected how you are able to parent.

518
00:24:45,359 --> 00:24:49,120
Speaker 1: Can you share some about that, yes, So, as Kirsen mentioned,

519
00:24:49,200 --> 00:24:52,440
Speaker 1: you know, I remember very clearly when our son was born,

520
00:24:52,680 --> 00:24:54,800
Speaker 1: and it is almost embarrassing, but I had never even

521
00:24:54,840 --> 00:24:58,680
Speaker 1: thought about UH paternal leaf policy until those moments, and

522
00:24:58,760 --> 00:25:01,639
Speaker 1: when I didn't have it, it was very revealing of

523
00:25:01,760 --> 00:25:03,960
Speaker 1: the sort of world that we lived in UH and

524
00:25:04,000 --> 00:25:05,800
Speaker 1: I knew the sort of father that I wanted to be.

525
00:25:05,960 --> 00:25:08,359
Speaker 1: I guess the term is active father, which I just

526
00:25:08,400 --> 00:25:10,760
Speaker 1: think is father, you know, like I just wanted to

527
00:25:11,680 --> 00:25:13,880
Speaker 1: I just want to help out, um. And it's it's

528
00:25:13,920 --> 00:25:16,400
Speaker 1: kind of weird because I get, even til this day,

529
00:25:16,440 --> 00:25:21,240
Speaker 1: complimented for doing things that I think are pretty normal,

530
00:25:20,359 --> 00:25:23,760
Speaker 1: like it should be normal, and so it was very revealing.

531
00:25:23,840 --> 00:25:29,080
Speaker 1: I had no intentions on exploring fatherhood. I had plans

532
00:25:29,080 --> 00:25:31,359
Speaker 1: on exploring financial independence, but it sort of led me

533
00:25:31,359 --> 00:25:35,000
Speaker 1: down this path of really thinking about how father's and uh,

534
00:25:35,320 --> 00:25:37,719
Speaker 1: the role that father's play in this world. And so

535
00:25:37,800 --> 00:25:40,119
Speaker 1: I wanted nothing more than to just be there for

536
00:25:40,240 --> 00:25:43,399
Speaker 1: my son during the first couple of months. But I

537
00:25:43,400 --> 00:25:47,440
Speaker 1: had to bum you know, a week from a great

538
00:25:47,480 --> 00:25:49,400
Speaker 1: boss who sort of did me, uh you know, through

539
00:25:49,440 --> 00:25:50,960
Speaker 1: me a bone and said, hey, here's the week because

540
00:25:50,960 --> 00:25:53,240
Speaker 1: I've been where you are. And I was like, why

541
00:25:53,240 --> 00:25:55,119
Speaker 1: do we have to do this, Like why can't I

542
00:25:55,200 --> 00:25:57,600
Speaker 1: just be there for my son and for my wife?

543
00:25:57,600 --> 00:25:59,880
Speaker 1: And so I'd come home and she'd be exhausted because

544
00:26:00,000 --> 00:26:02,080
Speaker 1: he'd been with with him. But you know, it even

545
00:26:02,119 --> 00:26:03,879
Speaker 1: made me think about her policy because she had to

546
00:26:03,920 --> 00:26:06,960
Speaker 1: stitch together you know, vacation and personal time and all

547
00:26:06,960 --> 00:26:09,720
Speaker 1: these little things and so it's really eye opening to me,

548
00:26:10,240 --> 00:26:13,040
Speaker 1: um the sort of environment or a situation that we

549
00:26:13,160 --> 00:26:16,240
Speaker 1: put ourselves in as employees. And that's not to not jobs,

550
00:26:16,320 --> 00:26:18,480
Speaker 1: but you know what comes with that are a given

551
00:26:18,480 --> 00:26:21,640
Speaker 1: set of rules that don't necessarily work for all aspects

552
00:26:21,680 --> 00:26:24,680
Speaker 1: of your life. And so we wrote the article about

553
00:26:25,000 --> 00:26:28,320
Speaker 1: financial independence with a focus on fatherhood because the more

554
00:26:29,040 --> 00:26:32,560
Speaker 1: and the deeper that we get into this movement, we

555
00:26:32,640 --> 00:26:35,960
Speaker 1: have really great conversations with guys and it's uncovering that

556
00:26:36,240 --> 00:26:38,520
Speaker 1: it's one of the underlying reasons why a lot of

557
00:26:38,560 --> 00:26:40,520
Speaker 1: guys are pursuing it is because they've come to the

558
00:26:40,520 --> 00:26:43,000
Speaker 1: same realization that I did. And those people, if they

559
00:26:43,000 --> 00:26:46,040
Speaker 1: don't have their financial ground game together, they have no

560
00:26:46,119 --> 00:26:49,760
Speaker 1: options when their employer says, sorry, there isn't a leave policy.

561
00:26:49,880 --> 00:26:51,960
Speaker 1: Sorry you don't even get a week. And I hate

562
00:26:52,000 --> 00:26:53,840
Speaker 1: to see that for folks, because, yeah, it is such

563
00:26:53,840 --> 00:26:56,240
Speaker 1: an important time to be able to to support each

564
00:26:56,240 --> 00:26:57,639
Speaker 1: other a spouses, to be able to spend time with

565
00:26:57,680 --> 00:26:59,879
Speaker 1: your newborn baby. And the thing is, if you do

566
00:27:00,160 --> 00:27:02,439
Speaker 1: have a monicum of savings, if you kind of have

567
00:27:02,560 --> 00:27:04,840
Speaker 1: something to to lean back on, you have at least

568
00:27:04,880 --> 00:27:07,040
Speaker 1: more choices when it comes to that and you can

569
00:27:07,440 --> 00:27:09,159
Speaker 1: you can tell your employer listen, this is this is

570
00:27:09,160 --> 00:27:11,520
Speaker 1: the path I have to take. And you know, we

571
00:27:11,560 --> 00:27:13,800
Speaker 1: can come to a decision either way. What you know,

572
00:27:13,800 --> 00:27:16,159
Speaker 1: what that means, what that looks like. But if you

573
00:27:16,200 --> 00:27:18,000
Speaker 1: don't have any savings, like you don't, you don't have

574
00:27:18,040 --> 00:27:20,359
Speaker 1: anything to fall back on in the case where you

575
00:27:20,440 --> 00:27:22,239
Speaker 1: really feel like that's a decision you need to make,

576
00:27:22,240 --> 00:27:25,879
Speaker 1: you can't even make it absolutely. And so to clarify, Julian,

577
00:27:26,080 --> 00:27:28,040
Speaker 1: so you quit your full time job and you work

578
00:27:28,119 --> 00:27:31,520
Speaker 1: full time on the blog on the site? Is that right? Awesome?

579
00:27:31,520 --> 00:27:34,640
Speaker 1: And so Cresten, you're the primary breadwinner. So how does

580
00:27:34,840 --> 00:27:37,480
Speaker 1: having Julian at home? How does that affect your life

581
00:27:38,080 --> 00:27:40,400
Speaker 1: being gone all day? And heirston, you're able to take

582
00:27:40,400 --> 00:27:42,240
Speaker 1: some aternity to leave, but after that, right that, the

583
00:27:42,320 --> 00:27:43,800
Speaker 1: role sort of flipped and you're able to go back

584
00:27:43,800 --> 00:27:45,440
Speaker 1: to work. I would love to hear sort of your

585
00:27:45,480 --> 00:27:49,240
Speaker 1: perspective on having uh stay at home dad. It's been great,

586
00:27:49,320 --> 00:27:53,879
Speaker 1: Honestly I'm jealous of right now a lot of sports

587
00:27:53,880 --> 00:27:58,560
Speaker 1: center or no I don't have cable, Oh there we go, Okay, No,

588
00:27:58,680 --> 00:28:00,719
Speaker 1: it's been great and it's a kind versation. I look

589
00:28:00,760 --> 00:28:02,520
Speaker 1: forward to having with a lot of women, because what

590
00:28:02,560 --> 00:28:05,359
Speaker 1: it's forced me to do is unlearn some of the

591
00:28:05,440 --> 00:28:09,080
Speaker 1: habits and traits that I've been taught by watching other

592
00:28:09,720 --> 00:28:12,399
Speaker 1: women executives or even my own mother, in terms of

593
00:28:12,400 --> 00:28:14,280
Speaker 1: how they work with their spouse, how they partner with

594
00:28:14,320 --> 00:28:18,080
Speaker 1: their spouse, and the division of emotional labor and actual

595
00:28:18,080 --> 00:28:20,480
Speaker 1: household labor. Um. So it's been great. It's been a

596
00:28:20,560 --> 00:28:23,399
Speaker 1: learning experience for me. Julian often has to remind me

597
00:28:23,520 --> 00:28:26,080
Speaker 1: to take care of myself and to make sure that

598
00:28:26,119 --> 00:28:28,840
Speaker 1: I'm getting the time that I need, because at times

599
00:28:28,840 --> 00:28:30,679
Speaker 1: it still feels like I have three jobs. I go

600
00:28:30,760 --> 00:28:32,320
Speaker 1: to my regular job, and then I come home and

601
00:28:32,320 --> 00:28:34,400
Speaker 1: work on rich and regular and then I'm a mom

602
00:28:34,520 --> 00:28:37,159
Speaker 1: and a wife, and a sister and a daughter, and

603
00:28:37,160 --> 00:28:39,040
Speaker 1: I've got all these roles that I have to play.

604
00:28:39,640 --> 00:28:41,640
Speaker 1: I know I'm not in the minority of bread winners.

605
00:28:41,920 --> 00:28:45,800
Speaker 1: I just read an article recently that said black women

606
00:28:45,880 --> 00:28:48,160
Speaker 1: or women of color are breadwinners. And the way that

607
00:28:48,200 --> 00:28:50,720
Speaker 1: they define that is they're either the sole income provider

608
00:28:50,760 --> 00:28:54,120
Speaker 1: for the household or they contribute or more of that

609
00:28:54,200 --> 00:28:57,560
Speaker 1: household income. And so even before Julian left his job,

610
00:28:57,600 --> 00:29:00,320
Speaker 1: I was a breadwinner and that comes with a level

611
00:29:00,360 --> 00:29:05,800
Speaker 1: of pressure and time and energy that's required to maintain that.

612
00:29:06,400 --> 00:29:09,200
Speaker 1: And since he's left, you know, a lot has freed up,

613
00:29:09,200 --> 00:29:12,600
Speaker 1: which has been great. So Julian, you are, you're at home,

614
00:29:12,720 --> 00:29:14,560
Speaker 1: but but you're working to right, you have your own

615
00:29:14,920 --> 00:29:18,200
Speaker 1: full time job really creating and maintaining this blog. So

616
00:29:18,200 --> 00:29:20,280
Speaker 1: so it's not like I alluded to, not like you're

617
00:29:20,280 --> 00:29:23,360
Speaker 1: watching Sports Center all day, right, um, and you're you're

618
00:29:23,400 --> 00:29:25,480
Speaker 1: taking your son today care, You're picking him up like

619
00:29:25,480 --> 00:29:27,360
Speaker 1: you're very active. You're let him go to the park

620
00:29:27,360 --> 00:29:28,840
Speaker 1: and pick up stick because that's what he loves to do.

621
00:29:29,240 --> 00:29:31,880
Speaker 1: What's happened like though, for you to transitioning out of

622
00:29:31,880 --> 00:29:35,080
Speaker 1: the regular workforce to work on your own thing and

623
00:29:35,160 --> 00:29:38,000
Speaker 1: to kind of be that home presence for your family. Yeah,

624
00:29:38,040 --> 00:29:40,240
Speaker 1: so I would say working on the blog is is

625
00:29:40,240 --> 00:29:42,200
Speaker 1: a job. It's a lot of work. And I was

626
00:29:42,240 --> 00:29:45,560
Speaker 1: even surprised by how much work it is to maintain it,

627
00:29:45,600 --> 00:29:47,920
Speaker 1: to keep it up, to engage with people, uh, and

628
00:29:47,960 --> 00:29:51,360
Speaker 1: certainly to be intentional about trying to grow your audience.

629
00:29:51,360 --> 00:29:53,800
Speaker 1: So it's been a lot of work. It's allowed me

630
00:29:53,960 --> 00:29:58,400
Speaker 1: to tap into more parts of my brain than I

631
00:29:58,480 --> 00:30:01,480
Speaker 1: was when I was and some of my older roles,

632
00:30:01,880 --> 00:30:05,120
Speaker 1: So we didn't talk much about your sort of personal story,

633
00:30:05,160 --> 00:30:07,280
Speaker 1: like how you guys met in your backgrounds there. But

634
00:30:07,760 --> 00:30:10,040
Speaker 1: I have read and I've seen how you too have

635
00:30:10,160 --> 00:30:12,560
Speaker 1: very different backgrounds when it comes to how you handle money.

636
00:30:12,640 --> 00:30:15,480
Speaker 1: I would love to hear how your differences and how

637
00:30:15,560 --> 00:30:18,120
Speaker 1: those have continued to help you guys get to where

638
00:30:18,160 --> 00:30:20,840
Speaker 1: you are now. Yeah. So I think the biggest difference

639
00:30:21,000 --> 00:30:23,520
Speaker 1: between Julie and I is that I'm a natural spender

640
00:30:23,640 --> 00:30:27,160
Speaker 1: and he's a natural saver. And so that comes from

641
00:30:27,160 --> 00:30:30,040
Speaker 1: my upbringing. I grew up in a middle class household

642
00:30:30,040 --> 00:30:33,880
Speaker 1: with two working parents, and we vacationed every year, and

643
00:30:33,880 --> 00:30:37,120
Speaker 1: it was very much like a sitcom like Family Matters,

644
00:30:37,160 --> 00:30:41,440
Speaker 1: like not quite the hostable actually you would see on TV.

645
00:30:42,000 --> 00:30:44,959
Speaker 1: I went to college and in my twenties, I was

646
00:30:45,080 --> 00:30:48,560
Speaker 1: great at doing the career thing, and so I spent

647
00:30:49,160 --> 00:30:51,680
Speaker 1: every dollar plus some that I made. But I could

648
00:30:51,720 --> 00:30:54,400
Speaker 1: always earn more, and so that was my logic, I

649
00:30:54,440 --> 00:30:56,800
Speaker 1: can always earn more, and so I spent a lot

650
00:30:56,800 --> 00:30:59,800
Speaker 1: of time just kind of climbing up the ladder and

651
00:31:00,160 --> 00:31:02,160
Speaker 1: making a lot of money and then spending a lot

652
00:31:02,200 --> 00:31:05,400
Speaker 1: of money and so when I met Julian, he was

653
00:31:05,440 --> 00:31:07,480
Speaker 1: the first person to sort of call that game into

654
00:31:07,600 --> 00:31:09,800
Speaker 1: question and say, how do you see this ending? Like

655
00:31:09,880 --> 00:31:12,840
Speaker 1: he was the one who made me project my reality

656
00:31:12,880 --> 00:31:15,400
Speaker 1: out to the future. And every time I would say

657
00:31:15,520 --> 00:31:17,600
Speaker 1: I'm just gonna keep getting promoted, he would make me

658
00:31:17,680 --> 00:31:22,040
Speaker 1: look at pictures of boards and ceo s and vice

659
00:31:22,040 --> 00:31:25,160
Speaker 1: presidents and say, do you see anybody that looks like you?

660
00:31:25,160 --> 00:31:28,120
Speaker 1: You are very confident in this decision, but like, the

661
00:31:28,200 --> 00:31:31,760
Speaker 1: reality is there is, you know, unfortunately, a ceiling there

662
00:31:31,840 --> 00:31:33,720
Speaker 1: unless you take things into your own hands with like

663
00:31:33,880 --> 00:31:36,480
Speaker 1: your own business or something else. And so he was

664
00:31:36,520 --> 00:31:38,680
Speaker 1: the first person that kind of brought the conversation to

665
00:31:38,760 --> 00:31:41,600
Speaker 1: reality for me. And since then we've sort of balanced

666
00:31:41,600 --> 00:31:43,760
Speaker 1: each other out, Like I've taught him how to spend

667
00:31:43,800 --> 00:31:47,680
Speaker 1: on the things that matter like coffee and wine and sheets,

668
00:31:48,120 --> 00:31:50,560
Speaker 1: and he's taught me how to save on, you know,

669
00:31:50,600 --> 00:31:53,120
Speaker 1: and be responsible and be a responsible earner. And so

670
00:31:53,200 --> 00:31:56,160
Speaker 1: even though I still earn a lot of money, I

671
00:31:56,200 --> 00:31:58,320
Speaker 1: don't spend all of it, which is great. You guys

672
00:31:58,360 --> 00:32:01,000
Speaker 1: have also written on your blog about a no questions

673
00:32:01,080 --> 00:32:04,320
Speaker 1: asked fund, So what does that look like in your

674
00:32:04,360 --> 00:32:07,520
Speaker 1: marriage and what made you decide to implement something like that.

675
00:32:07,840 --> 00:32:10,440
Speaker 1: I think she should ask answer that question because I

676
00:32:10,680 --> 00:32:14,320
Speaker 1: still don't spend money. I struggle with spending money. So

677
00:32:14,480 --> 00:32:17,080
Speaker 1: like you have this fund set aside, like Kirsten's no,

678
00:32:17,360 --> 00:32:22,240
Speaker 1: no question ask Okay, So within our budget, I used

679
00:32:22,240 --> 00:32:24,400
Speaker 1: to overthink it. I used to have a bunch of

680
00:32:24,400 --> 00:32:28,040
Speaker 1: different categories that would outline a bunch of different things.

681
00:32:28,400 --> 00:32:31,160
Speaker 1: And Julian's approach was to keep it simple, like let's

682
00:32:31,160 --> 00:32:37,440
Speaker 1: just create six or seven big broad categories around household utilities.

683
00:32:37,920 --> 00:32:41,000
Speaker 1: But one of those categories and no question asked, category

684
00:32:41,400 --> 00:32:43,640
Speaker 1: where we each have a sum of money, a couple

685
00:32:43,720 --> 00:32:49,720
Speaker 1: hundred dollars, well, at least mine is I don't even

686
00:32:49,720 --> 00:32:52,719
Speaker 1: know that he spends is I spend it? But but

687
00:32:52,760 --> 00:32:55,280
Speaker 1: it's really for those things. There's there's just a cost

688
00:32:55,600 --> 00:32:58,760
Speaker 1: of of womanhood and I don't want to have to

689
00:32:58,840 --> 00:33:02,080
Speaker 1: explain it all the time, like hair removal has a cost,

690
00:33:02,200 --> 00:33:05,000
Speaker 1: beauty has a cost, facials have a cost. And I

691
00:33:05,040 --> 00:33:08,239
Speaker 1: just didn't feel like explaining what was behind it. It

692
00:33:08,280 --> 00:33:09,880
Speaker 1: was just like, you just need to give me the money.

693
00:33:09,960 --> 00:33:12,280
Speaker 1: I need to make sure that the feminine energy in

694
00:33:12,320 --> 00:33:15,000
Speaker 1: this house is maintained and I didn't mean to say

695
00:33:15,120 --> 00:33:19,920
Speaker 1: all sassy like that. It wasn't an argument. We're laughing,

696
00:33:19,920 --> 00:33:24,440
Speaker 1: but Julian is not laughing. What it wasn't an argument.

697
00:33:24,480 --> 00:33:26,960
Speaker 1: It was just it was a distraction to our conversation

698
00:33:27,000 --> 00:33:29,560
Speaker 1: about money because it put me on the defense and

699
00:33:30,080 --> 00:33:31,880
Speaker 1: I didn't want to be there. I just wanted to say,

700
00:33:31,880 --> 00:33:34,400
Speaker 1: you enjoy these things every day, and that's you know,

701
00:33:34,560 --> 00:33:36,720
Speaker 1: this is what it cost to have them there. You know,

702
00:33:36,800 --> 00:33:39,000
Speaker 1: that's interesting because when my wife and I first got married,

703
00:33:39,360 --> 00:33:41,640
Speaker 1: we didn't have a budget because I had been used

704
00:33:41,640 --> 00:33:43,920
Speaker 1: to not budgeting. I was so frugal, kind of like you, Julian,

705
00:33:44,360 --> 00:33:46,880
Speaker 1: and I just had the hardest time spending money, and

706
00:33:46,920 --> 00:33:49,360
Speaker 1: most of it got funneled into saving for the you know,

707
00:33:49,400 --> 00:33:51,960
Speaker 1: a rental home. It got funneled into my four oh

708
00:33:52,040 --> 00:33:54,560
Speaker 1: one K and so I was living lean. And when

709
00:33:54,600 --> 00:33:56,680
Speaker 1: we got married, we had to kind of find the

710
00:33:56,720 --> 00:33:59,800
Speaker 1: same language. We had to have the same terminology and

711
00:34:00,120 --> 00:34:02,800
Speaker 1: or to to actually propel us towards the goals that

712
00:34:02,840 --> 00:34:05,120
Speaker 1: we wanted to have, and a budget was necessary for

713
00:34:05,200 --> 00:34:07,600
Speaker 1: us at that time to kind of avoid fights. And

714
00:34:07,640 --> 00:34:09,759
Speaker 1: we did have to have something similar to this, where

715
00:34:09,760 --> 00:34:11,160
Speaker 1: we each had a certain amount of money that we

716
00:34:11,160 --> 00:34:14,160
Speaker 1: could spend every month where I couldn't question your choices.

717
00:34:14,440 --> 00:34:16,640
Speaker 1: And because it is true when I think when you're

718
00:34:16,680 --> 00:34:19,200
Speaker 1: the cheap person in the relationship, you're the frugal one

719
00:34:19,520 --> 00:34:21,440
Speaker 1: that that you have to give your partner some of

720
00:34:21,440 --> 00:34:23,879
Speaker 1: that leeway, some of that ability to run and spend

721
00:34:23,880 --> 00:34:26,400
Speaker 1: money in the ways that they want to without you know,

722
00:34:26,520 --> 00:34:28,960
Speaker 1: hurting the endgame. Yeah, I think just you know, adding

723
00:34:29,480 --> 00:34:32,720
Speaker 1: you can almost put a dollar value on the tension

724
00:34:32,760 --> 00:34:34,320
Speaker 1: that you want to add to your home. Was like, really,

725
00:34:34,360 --> 00:34:36,320
Speaker 1: like you want to sit and have a twenty minute

726
00:34:36,400 --> 00:34:39,239
Speaker 1: argument about you know, thirty dollars, you know what I mean? Like,

727
00:34:39,360 --> 00:34:41,640
Speaker 1: I don't know, I don't care what that thing is,

728
00:34:42,440 --> 00:34:44,799
Speaker 1: you know, but if it makes you happy, then then

729
00:34:44,840 --> 00:34:46,560
Speaker 1: so be it. And as long as you sort of

730
00:34:46,760 --> 00:34:48,719
Speaker 1: achieve the over our stain goal where we able to

731
00:34:48,719 --> 00:34:51,160
Speaker 1: achieve our savings go for that month, that's really all

732
00:34:51,200 --> 00:34:53,640
Speaker 1: I care about. Yeah, Julian, you can't put a price

733
00:34:53,719 --> 00:34:56,000
Speaker 1: on peace at home. So after the break, we're gonna

734
00:34:56,040 --> 00:34:58,120
Speaker 1: talk about some more practical takeaways. We're gonna talk about

735
00:34:58,120 --> 00:35:00,640
Speaker 1: earning more money. Kirston, you are really good that we're

736
00:35:00,680 --> 00:35:03,719
Speaker 1: also going to talk about food. Julian, you are a

737
00:35:03,760 --> 00:35:05,799
Speaker 1: trained professional chefs. We're gonna talk about ways to save

738
00:35:05,800 --> 00:35:17,479
Speaker 1: money by cooking at home. All right, We're back with

739
00:35:17,560 --> 00:35:20,439
Speaker 1: Julian and Kirsten from Rich and Regular, and I'm really

740
00:35:20,480 --> 00:35:23,279
Speaker 1: interested to hear about earning more, especially about your runtal homes.

741
00:35:23,320 --> 00:35:25,080
Speaker 1: Before we get to that, Julian, I think the thing

742
00:35:25,160 --> 00:35:28,040
Speaker 1: I'm most curious about today and this conversation is to

743
00:35:28,080 --> 00:35:31,520
Speaker 1: know more about your cooking skills. And you were trained

744
00:35:31,520 --> 00:35:33,919
Speaker 1: as a chef, so cooking at home it's really allowed

745
00:35:33,960 --> 00:35:35,520
Speaker 1: for you guys to save a ton of money, but

746
00:35:35,680 --> 00:35:37,480
Speaker 1: you actually eat really well when you're doing that. So

747
00:35:37,520 --> 00:35:40,080
Speaker 1: tell us more about your chef skills and kind of

748
00:35:40,320 --> 00:35:42,160
Speaker 1: maybe a few good recipes for our listeners out there

749
00:35:42,200 --> 00:35:44,520
Speaker 1: that they can make on the cheap. You are aging

750
00:35:44,600 --> 00:35:49,160
Speaker 1: me because I graduated from culinary school twenty years ago.

751
00:35:49,239 --> 00:35:53,240
Speaker 1: Oh wow, n I went straight out of high school.

752
00:35:53,480 --> 00:35:55,720
Speaker 1: Literally two weeks aft the high school graduation. I started

753
00:35:55,719 --> 00:35:58,520
Speaker 1: culinary school and banged out that program and I worked

754
00:35:59,000 --> 00:36:02,560
Speaker 1: I'm a professional kitchens for about seven eight years. Uh,

755
00:36:02,600 --> 00:36:04,280
Speaker 1: and then I moved to the front of the house,

756
00:36:04,320 --> 00:36:06,560
Speaker 1: and then I moved into corporate. But like my entire

757
00:36:06,640 --> 00:36:10,640
Speaker 1: corporate career or professional career has been in the hospitality industry,

758
00:36:10,640 --> 00:36:13,359
Speaker 1: and so food is a really really big part of

759
00:36:13,360 --> 00:36:16,920
Speaker 1: our life, and it really has been like our secret weapon.

760
00:36:17,400 --> 00:36:20,200
Speaker 1: And again going back to staying home and and spending

761
00:36:20,239 --> 00:36:22,239
Speaker 1: more time at home, it's one of the things that

762
00:36:22,719 --> 00:36:25,399
Speaker 1: we've certainly taken advantage of. And so if we want

763
00:36:25,400 --> 00:36:27,960
Speaker 1: to have a nice steak night, we'll have a nice

764
00:36:28,000 --> 00:36:30,600
Speaker 1: steak not at home, but we certainly don't have to pay. Um.

765
00:36:30,760 --> 00:36:32,560
Speaker 1: I don't want to name dropping the Alna restaurant, so

766
00:36:32,640 --> 00:36:35,320
Speaker 1: we don't have to pay. It was really crazy steak

767
00:36:35,360 --> 00:36:37,400
Speaker 1: knife prices, and you know, my wife is from Texas,

768
00:36:37,480 --> 00:36:39,440
Speaker 1: and so I had to certainly make sure that I

769
00:36:39,480 --> 00:36:41,640
Speaker 1: knew how to make a good steak. But yeah, I

770
00:36:42,200 --> 00:36:47,120
Speaker 1: enjoy cooking. Surprisingly, I also enjoyed making our son's baby food,

771
00:36:47,120 --> 00:36:49,759
Speaker 1: which was another really great hack for us. I think

772
00:36:50,239 --> 00:36:52,239
Speaker 1: when I would tell that to people, they would look

773
00:36:52,239 --> 00:36:54,960
Speaker 1: at me like I was absolutely crazy. But it's one

774
00:36:55,000 --> 00:36:57,040
Speaker 1: of the best things that we've ever done. And so

775
00:36:57,239 --> 00:36:59,319
Speaker 1: when he was, you know, younger, we would make these

776
00:36:59,320 --> 00:37:01,759
Speaker 1: little pure a and he would really enjoy them. Um.

777
00:37:01,800 --> 00:37:05,640
Speaker 1: But I found it really useful to introduce him to

778
00:37:05,719 --> 00:37:08,279
Speaker 1: a wider variety of flavors and textures at a very

779
00:37:08,320 --> 00:37:11,760
Speaker 1: early age, so that it just made our life easier.

780
00:37:11,800 --> 00:37:14,640
Speaker 1: So we're traveling or if we're just you know, just

781
00:37:14,760 --> 00:37:17,000
Speaker 1: living our lives, we know that he's not going to

782
00:37:17,040 --> 00:37:19,520
Speaker 1: be a chicken finger and French five baby. He has

783
00:37:19,840 --> 00:37:23,160
Speaker 1: been introduced to a wider variety of flavors. It's also

784
00:37:23,320 --> 00:37:25,799
Speaker 1: healthier for him just to um, to be able to

785
00:37:25,840 --> 00:37:28,800
Speaker 1: have more home cooked meals. We know exactly what he's eating,

786
00:37:28,840 --> 00:37:30,879
Speaker 1: and so it's really it's been a really cool thing

787
00:37:30,880 --> 00:37:33,440
Speaker 1: to do. And I completely agree with you as far

788
00:37:33,480 --> 00:37:35,759
Speaker 1: as feeding your kids what you want them to eat,

789
00:37:36,000 --> 00:37:38,240
Speaker 1: not what they want right there in the in the instant,

790
00:37:38,320 --> 00:37:40,520
Speaker 1: right right there in the moment, because right there in

791
00:37:40,520 --> 00:37:42,960
Speaker 1: the moment they want the air puff rice crackers and

792
00:37:43,040 --> 00:37:46,160
Speaker 1: with whatever. You know, they don't know better, they don't

793
00:37:46,160 --> 00:37:49,319
Speaker 1: know better. They see the something packaged and delivered to

794
00:37:49,360 --> 00:37:52,680
Speaker 1: them as a little consumer. And I feel like even

795
00:37:52,760 --> 00:37:55,760
Speaker 1: at that age, you start learning how to consume according

796
00:37:55,800 --> 00:37:57,960
Speaker 1: to the society and the culture that we live in,

797
00:37:58,320 --> 00:38:00,520
Speaker 1: versus approaching at Julian, just like you said, where food

798
00:38:00,600 --> 00:38:03,800
Speaker 1: is central to your culture as a family, and instead

799
00:38:03,880 --> 00:38:07,040
Speaker 1: of sort of aligning yourself to the way the world eats.

800
00:38:07,160 --> 00:38:09,880
Speaker 1: This is how we eat. These are our foods, and

801
00:38:09,920 --> 00:38:12,680
Speaker 1: not only is it affordable, but man, it does make

802
00:38:12,719 --> 00:38:15,320
Speaker 1: your life easy because you don't have to make multiple meals.

803
00:38:15,440 --> 00:38:17,920
Speaker 1: I hear about how there's families who do that wherever's

804
00:38:17,920 --> 00:38:19,879
Speaker 1: cooking might have to make four or five different meals,

805
00:38:19,880 --> 00:38:23,000
Speaker 1: depending on how many different special diets are in the family.

806
00:38:23,440 --> 00:38:25,279
Speaker 1: And when my wife hears that, she kind of like

807
00:38:25,360 --> 00:38:27,640
Speaker 1: breaks out in high She freaks out because that is

808
00:38:27,640 --> 00:38:29,839
Speaker 1: not how we roll. And to think that she would

809
00:38:29,880 --> 00:38:31,640
Speaker 1: have to do something like that really stresses her out.

810
00:38:31,640 --> 00:38:34,200
Speaker 1: And so we did the exact same thing. We did

811
00:38:34,200 --> 00:38:36,719
Speaker 1: the pures blended all different sorts of flavors that made

812
00:38:36,760 --> 00:38:39,360
Speaker 1: sense to her. She didn't really follow any recipes, but

813
00:38:39,440 --> 00:38:42,000
Speaker 1: she thought, what are some flavors that make sense combined together?

814
00:38:42,120 --> 00:38:44,880
Speaker 1: Where can nutrition come from? Let's stick that in baby's

815
00:38:44,920 --> 00:38:47,520
Speaker 1: mouth and see what happens. Yeah, yeah, you see what

816
00:38:47,560 --> 00:38:50,000
Speaker 1: they like? Um, And you know you can Also there's

817
00:38:50,000 --> 00:38:52,080
Speaker 1: certain you know, not to get into a food conversation with.

818
00:38:52,120 --> 00:38:54,440
Speaker 1: There's certain foods that I sort of think of as

819
00:38:54,440 --> 00:38:57,600
Speaker 1: a vessel to introduce other foods or other flavors, and

820
00:38:57,600 --> 00:39:00,239
Speaker 1: so our son loves apple sauce, but he may not

821
00:39:00,280 --> 00:39:03,680
Speaker 1: necessarily have enjoyed blackberries. So the great way to introduce

822
00:39:03,680 --> 00:39:06,720
Speaker 1: blackberries to him is to blame blackberries into the apple

823
00:39:06,719 --> 00:39:10,040
Speaker 1: sauce and sounds good. Yeah, and then slow, yeah, you

824
00:39:10,080 --> 00:39:12,319
Speaker 1: incorporate that into it. And then he was like, oh, well,

825
00:39:12,360 --> 00:39:15,240
Speaker 1: he's accustomed to that sort of flavor and that texture,

826
00:39:15,520 --> 00:39:17,840
Speaker 1: and then you can start introducing other things or you know,

827
00:39:17,840 --> 00:39:20,239
Speaker 1: because blackberries can be kind of grainy, right, and so

828
00:39:20,280 --> 00:39:22,520
Speaker 1: but now that he's gotten over that hump, we don't

829
00:39:22,560 --> 00:39:24,719
Speaker 1: have a problem introducing other foods that might, you know,

830
00:39:24,840 --> 00:39:28,359
Speaker 1: be textually confusing for him. So you were trained as

831
00:39:28,400 --> 00:39:30,920
Speaker 1: a chef, but probably most of people out there listening

832
00:39:31,040 --> 00:39:33,160
Speaker 1: I don't have any formal training when it comes to

833
00:39:33,320 --> 00:39:35,440
Speaker 1: cooking food. Do you have any tips for them? For

834
00:39:35,480 --> 00:39:37,920
Speaker 1: people who are like man, I know how to use

835
00:39:37,960 --> 00:39:39,480
Speaker 1: a stove, I know how to put a frying pan

836
00:39:39,560 --> 00:39:41,719
Speaker 1: on there and toss something in whatever, but I'm not

837
00:39:41,760 --> 00:39:44,000
Speaker 1: necessarily a great cook, Like, are there some kind of

838
00:39:44,000 --> 00:39:46,439
Speaker 1: simple ways for them to get started? Ways that would

839
00:39:46,440 --> 00:39:48,640
Speaker 1: just make cooking at home a little bit easier? I

840
00:39:48,719 --> 00:39:51,040
Speaker 1: certainly understand, And this is not the those shade of

841
00:39:51,120 --> 00:39:54,319
Speaker 1: my wife, but she was very overwhelmed in the kitchen,

842
00:39:54,400 --> 00:39:56,919
Speaker 1: and she gets overwhelmed, like it freaks her out. It's

843
00:39:56,960 --> 00:39:59,799
Speaker 1: like whereas I get super comfortable, and it's like being

844
00:40:00,000 --> 00:40:01,520
Speaker 1: at home for me, I'm at home when I'm in

845
00:40:01,560 --> 00:40:03,960
Speaker 1: the kitchen. So I would say one tip is to

846
00:40:04,040 --> 00:40:06,759
Speaker 1: just focus on one cooking technique and go from there.

847
00:40:06,760 --> 00:40:09,759
Speaker 1: Don't worry about grilling, roasting, baking and all of those things.

848
00:40:09,800 --> 00:40:12,800
Speaker 1: Just learn how to saute right, get a good sautee,

849
00:40:13,000 --> 00:40:16,560
Speaker 1: and learn how to saute and build the recipes that

850
00:40:16,640 --> 00:40:19,600
Speaker 1: you try around that particular cooking technique. And once you

851
00:40:19,680 --> 00:40:22,480
Speaker 1: do that, you can diversify the sort of foods that

852
00:40:22,520 --> 00:40:25,200
Speaker 1: you offer or that you enjoy at home. And we

853
00:40:25,239 --> 00:40:27,880
Speaker 1: think that's really important because one of the things that

854
00:40:27,920 --> 00:40:31,840
Speaker 1: we believe is that when you're on that debt payoff journey,

855
00:40:31,880 --> 00:40:36,240
Speaker 1: eating terrible food just makes sad experience that much more miserable.

856
00:40:36,400 --> 00:40:38,640
Speaker 1: And so we've learned that if you can find ways

857
00:40:38,680 --> 00:40:42,399
Speaker 1: to treat yourself or just eat better food, why you're

858
00:40:42,440 --> 00:40:44,839
Speaker 1: on that debt payoff journey, Uh, it's one of those

859
00:40:44,840 --> 00:40:48,799
Speaker 1: things that makes that entire experience a little easier and

860
00:40:48,800 --> 00:40:51,120
Speaker 1: you're less likely to fall off the wagon. It's a

861
00:40:51,160 --> 00:40:53,080
Speaker 1: saving money right cooking. That's a great way that you're

862
00:40:53,080 --> 00:40:55,000
Speaker 1: able to save money. Curiously, I want to pitch this

863
00:40:55,080 --> 00:40:57,640
Speaker 1: to you. You are able to earn a lot of money.

864
00:40:57,920 --> 00:41:00,640
Speaker 1: You've been really good at getting raises. I've heard Julian

865
00:41:01,000 --> 00:41:03,480
Speaker 1: just mentioned how good you are at that specific skill.

866
00:41:03,800 --> 00:41:05,040
Speaker 1: I want to hear how you do it, like, what

867
00:41:05,080 --> 00:41:06,920
Speaker 1: are your tips? What are your tricks? Is it just

868
00:41:07,000 --> 00:41:09,560
Speaker 1: doing an incredible job or is there a level of

869
00:41:09,600 --> 00:41:12,240
Speaker 1: confidence that you have when it comes time for these

870
00:41:12,440 --> 00:41:14,719
Speaker 1: these meetings where you have your reviews. I think it's

871
00:41:14,719 --> 00:41:17,359
Speaker 1: about remembering that work is done by people, and so

872
00:41:17,520 --> 00:41:20,759
Speaker 1: I'm fortunate and that what I studied in college was

873
00:41:21,400 --> 00:41:24,080
Speaker 1: Management in Society, which is like a business degree but

874
00:41:24,120 --> 00:41:26,800
Speaker 1: done out of the sociology department, and so it taught

875
00:41:26,840 --> 00:41:30,759
Speaker 1: me about business through people, achieving results through people. And

876
00:41:30,800 --> 00:41:34,120
Speaker 1: so one of my keys to success is to remember

877
00:41:34,160 --> 00:41:36,480
Speaker 1: that everybody is a person and has a story. And

878
00:41:36,520 --> 00:41:38,719
Speaker 1: I think a lot of people get caught up when

879
00:41:38,719 --> 00:41:41,160
Speaker 1: they go to work because there are only certain images

880
00:41:41,200 --> 00:41:43,600
Speaker 1: of what professional looks like. It's very similar to rich

881
00:41:43,640 --> 00:41:45,760
Speaker 1: where there's like five images of what a rich person

882
00:41:45,800 --> 00:41:47,680
Speaker 1: looks like, and so when you come in and you're

883
00:41:47,680 --> 00:41:49,600
Speaker 1: not that, you just assume that you can't be that.

884
00:41:50,160 --> 00:41:52,640
Speaker 1: When you're talking about work or corporate America, there's like

885
00:41:53,000 --> 00:41:55,759
Speaker 1: three images of what like a successful woman looks like

886
00:41:55,880 --> 00:41:58,439
Speaker 1: or a successful person looks like. And I just chose

887
00:41:58,480 --> 00:42:00,680
Speaker 1: to ignore that. And I folk this on people. I

888
00:42:00,719 --> 00:42:02,960
Speaker 1: get to the heart of their story. I get them

889
00:42:03,000 --> 00:42:06,239
Speaker 1: to describe their problem. I get them to talk to

890
00:42:06,280 --> 00:42:09,000
Speaker 1: me often about what kind of solution they're looking for,

891
00:42:09,320 --> 00:42:11,239
Speaker 1: and then it's pretty easy to deliver on what they're

892
00:42:11,280 --> 00:42:13,520
Speaker 1: asking for and they will pay you handsomely for that.

893
00:42:14,880 --> 00:42:17,640
Speaker 1: The other, like more tactical, practical advice that I would

894
00:42:17,680 --> 00:42:20,959
Speaker 1: give is to take notes. I see so many people

895
00:42:21,000 --> 00:42:23,200
Speaker 1: going through their work day and they never take a

896
00:42:23,239 --> 00:42:25,960
Speaker 1: single note. And the game is out there for free,

897
00:42:26,000 --> 00:42:28,200
Speaker 1: Like executives are giving you the cheat code through these

898
00:42:28,239 --> 00:42:31,640
Speaker 1: annual reports and through town halls and all hands meetings.

899
00:42:31,680 --> 00:42:34,160
Speaker 1: They're telling you exactly what the company is focused on,

900
00:42:34,760 --> 00:42:38,399
Speaker 1: where the you know, opportunities are, but nobody writes it down.

901
00:42:38,680 --> 00:42:41,840
Speaker 1: And I think people give themselves credit that they'll remember,

902
00:42:41,920 --> 00:42:44,160
Speaker 1: but writing it down and knowing how to say it

903
00:42:44,200 --> 00:42:46,360
Speaker 1: exactly how they say it and knowing how to frame

904
00:42:46,400 --> 00:42:49,360
Speaker 1: your question the way that they're framing the problem is

905
00:42:49,400 --> 00:42:52,160
Speaker 1: another way to just get noticed and kind of be

906
00:42:52,239 --> 00:42:55,759
Speaker 1: tapped to resolve big issues. That's really interesting. I think

907
00:42:55,800 --> 00:42:57,640
Speaker 1: when you write something down, first off, the six in

908
00:42:57,680 --> 00:43:00,120
Speaker 1: your brain and then second off, it keeps that fore

909
00:43:00,160 --> 00:43:01,880
Speaker 1: front of mind that this is what my company is

910
00:43:01,920 --> 00:43:03,680
Speaker 1: all about. I think. At the same time, then you

911
00:43:03,680 --> 00:43:05,440
Speaker 1: have to be willing to be a person that doesn't

912
00:43:05,440 --> 00:43:08,440
Speaker 1: say this isn't my job, that's not my responsibility. And

913
00:43:08,520 --> 00:43:10,319
Speaker 1: when you're in a company and you want to get

914
00:43:10,320 --> 00:43:11,960
Speaker 1: that raise, you want to get that promotion, you want

915
00:43:11,960 --> 00:43:13,720
Speaker 1: to move up, you have to be someone who's willing

916
00:43:13,760 --> 00:43:17,280
Speaker 1: to tackle something that isn't necessarily in your job description,

917
00:43:17,320 --> 00:43:19,400
Speaker 1: but make it part of your job description for the

918
00:43:19,440 --> 00:43:22,960
Speaker 1: sake of of changing and growing and moving up. Right. Yes,

919
00:43:23,200 --> 00:43:26,200
Speaker 1: And then as you're having conversations with people, you start

920
00:43:26,239 --> 00:43:28,319
Speaker 1: to reveal things about your life, like the fact that

921
00:43:28,320 --> 00:43:29,960
Speaker 1: I have a son and that being at home is

922
00:43:30,000 --> 00:43:32,960
Speaker 1: really important to me. So that when you get these promotions,

923
00:43:33,000 --> 00:43:35,799
Speaker 1: the boundary, like the foundation for the boundaries is already there.

924
00:43:36,080 --> 00:43:38,319
Speaker 1: You don't have to have the hard conversation of look,

925
00:43:38,360 --> 00:43:40,399
Speaker 1: I'm not gonna be working eighty hour weeks because they

926
00:43:40,400 --> 00:43:43,000
Speaker 1: know that about me. We've had this conversation about how

927
00:43:43,080 --> 00:43:45,640
Speaker 1: much I value my time and time with my family,

928
00:43:46,040 --> 00:43:48,160
Speaker 1: and so it just makes it a lot more organic

929
00:43:48,320 --> 00:43:50,680
Speaker 1: and so that you're not being placed in positions or

930
00:43:50,800 --> 00:43:53,440
Speaker 1: roles that you're really not ready for or that aren't

931
00:43:53,440 --> 00:43:55,920
Speaker 1: suited for your lifestyle. Because that's the other part, like

932
00:43:56,040 --> 00:43:58,800
Speaker 1: don't get too ambitious because you know it could it

933
00:43:58,800 --> 00:44:01,600
Speaker 1: could bite you in the butt, take over your life. Yeah,

934
00:44:01,600 --> 00:44:03,080
Speaker 1: and at the court this as well, you're talking about

935
00:44:03,120 --> 00:44:05,560
Speaker 1: just being human, Like you're talking about hearing people's stories

936
00:44:05,560 --> 00:44:08,360
Speaker 1: and listening to them and showing empathy and just connecting

937
00:44:08,360 --> 00:44:10,680
Speaker 1: with them on a real level. And yeah, it's it's

938
00:44:10,680 --> 00:44:13,160
Speaker 1: a lot of times it's not about the tips and

939
00:44:13,160 --> 00:44:15,279
Speaker 1: the tricks and you know what sort of strategies are

940
00:44:15,320 --> 00:44:18,680
Speaker 1: you implementing. It's just about being a human being and listening.

941
00:44:19,080 --> 00:44:21,359
Speaker 1: Very similar to like money advice, where it's like it's

942
00:44:21,360 --> 00:44:23,200
Speaker 1: the easy button, like what can I do right now,

943
00:44:23,560 --> 00:44:26,400
Speaker 1: right now to have my retirement save and it's like, actually,

944
00:44:26,400 --> 00:44:28,719
Speaker 1: it's a number of things, and it takes a long time.

945
00:44:28,920 --> 00:44:31,800
Speaker 1: It takes a long time. Work is is very similar

946
00:44:32,200 --> 00:44:33,840
Speaker 1: all right, So when it comes to earning more to you,

947
00:44:33,840 --> 00:44:36,879
Speaker 1: guys have invested in rental properties, and that's something Matt

948
00:44:36,920 --> 00:44:38,279
Speaker 1: and I have talked about a lot on the show.

949
00:44:38,360 --> 00:44:41,879
Speaker 1: Something we're super into. We're small time landlords ourselves. What's

950
00:44:41,880 --> 00:44:43,600
Speaker 1: that been like for you? How many homes do you have?

951
00:44:43,800 --> 00:44:45,319
Speaker 1: And then I want to hear too about how you

952
00:44:45,360 --> 00:44:47,400
Speaker 1: manage them? Are you guys managing them yourselves? How does

953
00:44:47,400 --> 00:44:51,480
Speaker 1: that work? Yeah? So rental properties, we go back and forth,

954
00:44:51,520 --> 00:44:52,800
Speaker 1: you know when we think about, man, what are we

955
00:44:52,840 --> 00:44:54,840
Speaker 1: gonna do with the next you know, sort of large

956
00:44:55,040 --> 00:44:57,839
Speaker 1: sum of money. Are we gonna get another rental um

957
00:44:57,960 --> 00:45:00,239
Speaker 1: or we're gonna, you know, sort of do something else.

958
00:45:00,320 --> 00:45:03,279
Speaker 1: But we have now two rental properties, and so we

959
00:45:03,360 --> 00:45:06,560
Speaker 1: bought the first one in two thousand and fourteen. Well

960
00:45:06,600 --> 00:45:10,080
Speaker 1: the second one was basically our old primary residence whould

961
00:45:10,120 --> 00:45:12,879
Speaker 1: be turned into our second rental. But the experience has

962
00:45:12,920 --> 00:45:15,600
Speaker 1: been great. I think the best eight percent that we've

963
00:45:15,640 --> 00:45:18,560
Speaker 1: ever spent has been for our management company. You know,

964
00:45:18,680 --> 00:45:21,760
Speaker 1: we believe in being able to pay for a service

965
00:45:21,760 --> 00:45:24,839
Speaker 1: that we place a good value on, and we've been

966
00:45:24,880 --> 00:45:27,960
Speaker 1: really fortunate to have some good properties we chose well,

967
00:45:28,040 --> 00:45:31,960
Speaker 1: we chose a good neighborhood where our homes are, and

968
00:45:32,200 --> 00:45:35,120
Speaker 1: we've enjoyed about a steady i'd say about eight percent

969
00:45:35,200 --> 00:45:38,560
Speaker 1: ocupancy raid over the last couple of years. But I've

970
00:45:38,920 --> 00:45:43,359
Speaker 1: learned that I really enjoy receiving rental checks. It's it's

971
00:45:43,400 --> 00:45:47,040
Speaker 1: like my favorite sort of you know, pop up email

972
00:45:47,680 --> 00:45:50,440
Speaker 1: that I get. It's like, ah, yes, it's incredibly tangible.

973
00:45:50,560 --> 00:45:53,480
Speaker 1: It really is. It really is. But I'll also say,

974
00:45:53,560 --> 00:45:55,600
Speaker 1: and I didn't ask for a tip or anything like that,

975
00:45:55,680 --> 00:45:58,040
Speaker 1: but while I we bought the first home in two

976
00:45:58,080 --> 00:46:01,399
Speaker 1: thousand and fourteen, mentally, that says started like two hour

977
00:46:01,560 --> 00:46:04,920
Speaker 1: two years rather before. We were doing research. We were

978
00:46:04,960 --> 00:46:07,360
Speaker 1: reading up on what was going to happen in the area.

979
00:46:07,520 --> 00:46:10,799
Speaker 1: We were just learning about real estate investing. We were

980
00:46:10,920 --> 00:46:13,279
Speaker 1: you know, going to local meet ups and you know,

981
00:46:13,480 --> 00:46:15,880
Speaker 1: joining online forms and doing everything that we could to

982
00:46:15,920 --> 00:46:17,719
Speaker 1: learn as much as we could so that we can

983
00:46:17,800 --> 00:46:21,680
Speaker 1: get over the hurdle of being really afraid of taking

984
00:46:21,760 --> 00:46:23,880
Speaker 1: that first step. And from there it just got a

985
00:46:23,960 --> 00:46:25,719
Speaker 1: little easier. Yeah, I don't think you wake up one

986
00:46:25,800 --> 00:46:27,160
Speaker 1: day and say I think I'm gonna a real estate

987
00:46:27,200 --> 00:46:29,879
Speaker 1: investor and and just go all in like the next month.

988
00:46:30,080 --> 00:46:31,840
Speaker 1: It really does take a lot of time, and I

989
00:46:31,880 --> 00:46:34,520
Speaker 1: think that's really sage advice to to take that time

990
00:46:34,560 --> 00:46:36,440
Speaker 1: to get to know your neighborhood, to get to understand

991
00:46:36,440 --> 00:46:38,880
Speaker 1: the process, to get to understand kind of you know,

992
00:46:38,960 --> 00:46:41,160
Speaker 1: how deep you want to go into that. And just

993
00:46:41,200 --> 00:46:42,800
Speaker 1: like you were talking about when it comes to cooking,

994
00:46:43,040 --> 00:46:45,799
Speaker 1: specializing in learning how to sautee and maybe catering all

995
00:46:45,840 --> 00:46:47,640
Speaker 1: your meals around that, I think in the same way

996
00:46:47,680 --> 00:46:49,560
Speaker 1: when it comes to real estate investing, if you can

997
00:46:49,600 --> 00:46:54,600
Speaker 1: cater your investing style towards one specific way of doing it,

998
00:46:54,920 --> 00:46:56,400
Speaker 1: that can be really helpful because you don't have to

999
00:46:56,440 --> 00:46:58,680
Speaker 1: learn all the terminology. You don't have to learn all

1000
00:46:58,719 --> 00:47:00,319
Speaker 1: the ways to invest in real estate. You can say,

1001
00:47:00,360 --> 00:47:02,560
Speaker 1: you know what, I'm going to specialize in single family

1002
00:47:02,600 --> 00:47:06,080
Speaker 1: homes within this radius, and that really helps you to

1003
00:47:06,120 --> 00:47:08,080
Speaker 1: kind of nail things down and you can really figure

1004
00:47:08,080 --> 00:47:10,719
Speaker 1: out that specific market and that specific method of investing,

1005
00:47:10,920 --> 00:47:12,440
Speaker 1: and it feels a lot less daunting. I think we

1006
00:47:12,480 --> 00:47:15,440
Speaker 1: need tackle it that way. Absolutely. I completely agree. Okay,

1007
00:47:15,440 --> 00:47:17,440
Speaker 1: we're talking about investing, and so in addition to your

1008
00:47:17,440 --> 00:47:20,760
Speaker 1: real estates, y'all have also in the past at points

1009
00:47:20,960 --> 00:47:23,080
Speaker 1: we're investing close to any percent of the money you're

1010
00:47:23,080 --> 00:47:26,239
Speaker 1: making of your income. That is insane to most folks.

1011
00:47:26,280 --> 00:47:29,120
Speaker 1: That is an incredibly high savings rate. How did you

1012
00:47:29,120 --> 00:47:32,279
Speaker 1: guys get there? Were you basically saving that much right

1013
00:47:32,320 --> 00:47:34,759
Speaker 1: when you started sort of saving? What did that trajectory

1014
00:47:34,760 --> 00:47:37,600
Speaker 1: look like then? Yeah, we definitely didn't start with us,

1015
00:47:37,960 --> 00:47:42,440
Speaker 1: I didn't think so. It came through a combination of

1016
00:47:42,480 --> 00:47:45,799
Speaker 1: cutting expenses. So when we paid off our mortgage, that was,

1017
00:47:45,960 --> 00:47:48,560
Speaker 1: you know, our largest expense that went away. And at

1018
00:47:48,560 --> 00:47:51,359
Speaker 1: the same time, I was also getting promoted, and so

1019
00:47:51,440 --> 00:47:54,440
Speaker 1: we had growth at both ends. We had lower expenses

1020
00:47:54,440 --> 00:47:56,879
Speaker 1: and higher income, and so we would just take those

1021
00:47:56,920 --> 00:48:00,640
Speaker 1: things and throw them at the at the investment. I

1022
00:48:00,640 --> 00:48:04,719
Speaker 1: would add, we also left no stone unturned. We were

1023
00:48:04,719 --> 00:48:07,400
Speaker 1: having a conversation with a fan last night and I

1024
00:48:07,880 --> 00:48:11,360
Speaker 1: realized that we just got cable internet. We didn't have

1025
00:48:11,440 --> 00:48:15,560
Speaker 1: cable innet. We had DSL for years. People laughed at

1026
00:48:15,640 --> 00:48:17,759
Speaker 1: us and would say that's crazy. But I can also

1027
00:48:17,760 --> 00:48:20,359
Speaker 1: tell you with confidence we had a Nest, We had

1028
00:48:20,440 --> 00:48:26,120
Speaker 1: an Amazon Echo, four iPhones and iPad to Apple TVs

1029
00:48:26,160 --> 00:48:30,879
Speaker 1: and had no issues with streaming, you know, or any

1030
00:48:30,920 --> 00:48:35,200
Speaker 1: issues with connectivity at all. And so DSL still works.

1031
00:48:35,640 --> 00:48:38,399
Speaker 1: It's significantly cheaper than you know. I'd like to think

1032
00:48:38,400 --> 00:48:41,200
Speaker 1: of cable internet as like the uh, the Rhodes Royce

1033
00:48:41,719 --> 00:48:43,520
Speaker 1: of Internet. You know, but you don't need it. You

1034
00:48:43,560 --> 00:48:45,720
Speaker 1: don't need to have cable internet, you know, you certainly

1035
00:48:45,760 --> 00:48:48,719
Speaker 1: don't need Google Google Fiber. But you know there are

1036
00:48:48,760 --> 00:48:50,799
Speaker 1: all of these other sort of ways to do it now.

1037
00:48:50,840 --> 00:48:52,440
Speaker 1: I don't know that I would go as far as dialogue.

1038
00:48:52,440 --> 00:48:54,719
Speaker 1: I don't even know if you can still get diale um.

1039
00:48:54,800 --> 00:48:56,960
Speaker 1: I hope you get the CD in the mail, throw

1040
00:48:57,000 --> 00:49:02,680
Speaker 1: it in your computers, what happens or it's gonna come back? Um.

1041
00:49:02,760 --> 00:49:04,960
Speaker 1: But but the point is we didn't leave any stone

1042
00:49:05,000 --> 00:49:06,680
Speaker 1: on turn. We looked at even the things that we

1043
00:49:06,800 --> 00:49:09,320
Speaker 1: felt that you know, it wasn't like let's find the

1044
00:49:09,400 --> 00:49:13,319
Speaker 1: least expensive cable Internet packs. It was like, no, there

1045
00:49:13,360 --> 00:49:16,239
Speaker 1: are actually other ways to get Internet, and DSL is

1046
00:49:16,239 --> 00:49:19,439
Speaker 1: still widely available. Yeah. I love that concept of leaving

1047
00:49:19,440 --> 00:49:22,080
Speaker 1: no stone unturned. And you know, that's kind of to

1048
00:49:22,320 --> 00:49:24,120
Speaker 1: what what this podcast is about. It's like, let's look

1049
00:49:24,160 --> 00:49:26,000
Speaker 1: at all these stones because there's so many of them

1050
00:49:26,160 --> 00:49:30,359
Speaker 1: in our current financial world. There's there's no shortage of

1051
00:49:30,520 --> 00:49:32,799
Speaker 1: things that we have to learn. It's gotten more complex, really,

1052
00:49:33,040 --> 00:49:34,759
Speaker 1: and so we have to learn about, you know, the

1053
00:49:34,800 --> 00:49:37,399
Speaker 1: stones that we have to turn over, about low cost

1054
00:49:37,440 --> 00:49:39,320
Speaker 1: index investing. We have to kind of learn all the

1055
00:49:39,360 --> 00:49:41,239
Speaker 1: stuff that has to deal with that, and then we

1056
00:49:41,239 --> 00:49:42,920
Speaker 1: have to learn about, you know, monthly bills, how to

1057
00:49:42,960 --> 00:49:45,080
Speaker 1: cut it. There's so many of them. There's cell phones,

1058
00:49:45,280 --> 00:49:47,600
Speaker 1: and there's home internet, and there's all these things that

1059
00:49:47,640 --> 00:49:50,120
Speaker 1: we can tackle ways to reduce our our outgoing and

1060
00:49:50,160 --> 00:49:52,600
Speaker 1: then you know, increase how much we're funneling towards investments

1061
00:49:52,600 --> 00:49:54,719
Speaker 1: and hopefully most of us can get closer to that

1062
00:49:54,800 --> 00:49:56,440
Speaker 1: like seventy rate that you guys are able to hit

1063
00:49:56,440 --> 00:49:59,200
Speaker 1: for a while, which is just incredible, But it takes learning,

1064
00:49:59,239 --> 00:50:01,439
Speaker 1: It takes no those things are out there. I think

1065
00:50:01,600 --> 00:50:04,000
Speaker 1: part of the problem is is people don't know that,

1066
00:50:04,200 --> 00:50:05,960
Speaker 1: and there's no one out there to teach them, no

1067
00:50:06,000 --> 00:50:07,480
Speaker 1: one out there to to let them know. It's I

1068
00:50:07,560 --> 00:50:10,040
Speaker 1: love that you guys are also out there teaching. You're

1069
00:50:10,040 --> 00:50:11,879
Speaker 1: doing the teaching based on the things that you've learned

1070
00:50:12,120 --> 00:50:14,319
Speaker 1: because you had to learn through kind of hard earned

1071
00:50:14,320 --> 00:50:16,480
Speaker 1: grint and figure it out. And so yeah, I love

1072
00:50:16,480 --> 00:50:18,279
Speaker 1: that you're sharing your story with other people. And we

1073
00:50:18,320 --> 00:50:20,439
Speaker 1: really appreciate you guys coming on the show today. Thank

1074
00:50:20,440 --> 00:50:22,440
Speaker 1: you man, it's been a great time. But before we

1075
00:50:22,520 --> 00:50:24,279
Speaker 1: let you guys go, let's talk about this beer real quick.

1076
00:50:24,280 --> 00:50:26,359
Speaker 1: We always do sort of the wrap up at the end,

1077
00:50:26,400 --> 00:50:28,959
Speaker 1: and we talked about the beer. Uh, normally our guests

1078
00:50:28,960 --> 00:50:30,520
Speaker 1: will we kind of let them go at this point.

1079
00:50:30,600 --> 00:50:32,560
Speaker 1: But since you guys are sitting here with us enjoying

1080
00:50:32,600 --> 00:50:35,240
Speaker 1: the same beer that we are, you guys are wine drinkers,

1081
00:50:35,440 --> 00:50:38,000
Speaker 1: does it compare at all to tow wine? For me,

1082
00:50:38,040 --> 00:50:40,759
Speaker 1: it compares more to like a bourbon, a little bit

1083
00:50:40,840 --> 00:50:43,359
Speaker 1: like not as heavy and smoky as a bourbon. But

1084
00:50:43,440 --> 00:50:47,680
Speaker 1: like I don't, I don't have good beer language. It's

1085
00:50:47,760 --> 00:50:51,360
Speaker 1: like sort of cocos, cinnamon, licorice. Oh yeah, that doesn't

1086
00:50:51,400 --> 00:50:55,440
Speaker 1: really sound appetizing, but for some reason. Yeah, the beer

1087
00:50:55,480 --> 00:50:56,879
Speaker 1: that we're drinking on the show today, by the way,

1088
00:50:56,920 --> 00:51:00,439
Speaker 1: is Tin Barrel Brewing Companies, the last Blockbuster. And it's literally,

1089
00:51:00,440 --> 00:51:01,799
Speaker 1: like we said at the beginning to show, because there

1090
00:51:01,880 --> 00:51:06,840
Speaker 1: is one literal final standing blogbuster in the nation in Bend, Oregon. Yeah, Julian,

1091
00:51:06,840 --> 00:51:08,200
Speaker 1: what were your thoughts on this beer? I thought it

1092
00:51:08,239 --> 00:51:10,080
Speaker 1: was pretty good and I hate when people do this

1093
00:51:10,120 --> 00:51:11,719
Speaker 1: with wine, but I'm going to do it with beer

1094
00:51:11,760 --> 00:51:14,200
Speaker 1: because that, like Kirsten, I don't have the language, but

1095
00:51:14,360 --> 00:51:16,240
Speaker 1: it reminds me of actually one of my favorite beers,

1096
00:51:16,280 --> 00:51:19,160
Speaker 1: which is Monday Night Drafted Draft. I feel you it

1097
00:51:19,200 --> 00:51:22,040
Speaker 1: does remind me of bad Yes, yes, yeah, I mean

1098
00:51:22,040 --> 00:51:23,839
Speaker 1: it's obviously it's dark, but it's kind of got that ale,

1099
00:51:23,960 --> 00:51:26,279
Speaker 1: that dark ale quality to it. And as soon as

1100
00:51:26,280 --> 00:51:28,560
Speaker 1: you started saying Monday Night, we love those guys by

1101
00:51:28,560 --> 00:51:30,880
Speaker 1: the way, they make awesome beers. But yeah, I'm completely

1102
00:51:30,920 --> 00:51:32,839
Speaker 1: with you. And again, the reason we have this beer

1103
00:51:32,920 --> 00:51:35,000
Speaker 1: is Scott Rickens. He sent this to us. He directed

1104
00:51:35,000 --> 00:51:37,280
Speaker 1: the film that you guys are in. Y'all are featured

1105
00:51:37,360 --> 00:51:41,480
Speaker 1: in Playing with Fire and documents Scott's journey towards financial

1106
00:51:41,480 --> 00:51:44,200
Speaker 1: independence him with his wife Taylor and their daughter Jovi.

1107
00:51:44,560 --> 00:51:46,719
Speaker 1: You guys want to share what your experience was with

1108
00:51:46,760 --> 00:51:48,759
Speaker 1: that being in the in the film. Oh, we had

1109
00:51:48,760 --> 00:51:52,480
Speaker 1: a great time. We shot I believe in one of

1110
00:51:52,520 --> 00:51:55,320
Speaker 1: our favorite cities in the world, Portland, Oregon, and he

1111
00:51:55,400 --> 00:51:57,800
Speaker 1: had a great time. It was quick. Um, we ate

1112
00:51:57,840 --> 00:52:00,759
Speaker 1: and drank. I'll wait through Portland like we always do. Uh,

1113
00:52:00,800 --> 00:52:03,560
Speaker 1: and came back and We actually just had an opportunity

1114
00:52:03,640 --> 00:52:06,160
Speaker 1: to get a sneak peek of the film. Um, well,

1115
00:52:06,200 --> 00:52:08,080
Speaker 1: not a sneak peek. We saw the whole thing at

1116
00:52:08,080 --> 00:52:10,359
Speaker 1: the premiere, uh, and it was really just great sort

1117
00:52:10,400 --> 00:52:12,920
Speaker 1: of seeing it all come together. I know, Scott and

1118
00:52:12,920 --> 00:52:15,239
Speaker 1: the rest of the team worked really really hard on it.

1119
00:52:15,680 --> 00:52:17,839
Speaker 1: It was also kind of weird seeing yourself on his game.

1120
00:52:18,840 --> 00:52:22,480
Speaker 1: But it's exciting and we're looking forward to, uh, you know,

1121
00:52:22,560 --> 00:52:26,480
Speaker 1: seeing it again and more importantly, looking forward to the

1122
00:52:26,520 --> 00:52:30,800
Speaker 1: film really introducing the Fire movement and its principles to

1123
00:52:30,960 --> 00:52:33,440
Speaker 1: a wider audience. Yeah, those principles are ones that you

1124
00:52:33,480 --> 00:52:37,439
Speaker 1: guys exemplify really well. And yeah, I'm excited to see

1125
00:52:37,480 --> 00:52:39,799
Speaker 1: how other people react and hopefully the way it can

1126
00:52:39,840 --> 00:52:42,879
Speaker 1: change lives. So, speaking of that, how can people find

1127
00:52:42,880 --> 00:52:44,799
Speaker 1: out more about you guys? Where can they go to

1128
00:52:44,840 --> 00:52:47,360
Speaker 1: read the awesome stuff that rich and Regular has to offer.

1129
00:52:47,680 --> 00:52:51,239
Speaker 1: So our website is www. Rich and Regular dot com.

1130
00:52:51,440 --> 00:52:54,400
Speaker 1: And then we also have an Instagram, a Twitter, and

1131
00:52:54,440 --> 00:52:57,240
Speaker 1: a Facebook page all under the handle rich and Regular,

1132
00:52:57,520 --> 00:53:00,680
Speaker 1: and we recently started a Pinterest page. So those two,

1133
00:53:01,280 --> 00:53:03,600
Speaker 1: you guys are fancy cover all your bases. Well, guys,

1134
00:53:03,640 --> 00:53:05,759
Speaker 1: we really appreciate y'all you'll being here with us, joining

1135
00:53:05,840 --> 00:53:08,120
Speaker 1: us at the table, sharing a beer, sharing life together.

1136
00:53:08,360 --> 00:53:10,000
Speaker 1: This has been a lot of fun. But for real,

1137
00:53:10,040 --> 00:53:11,480
Speaker 1: I think we're gonna see you guys a lot more

1138
00:53:11,520 --> 00:53:13,439
Speaker 1: here in Atlanta, and we're looking forward to more hangs

1139
00:53:13,480 --> 00:53:16,120
Speaker 1: in the future. Here's to that. Yeah, all right, buddy,

1140
00:53:16,160 --> 00:53:18,440
Speaker 1: that was a real fun episode. I enjoyed meeting and

1141
00:53:18,440 --> 00:53:21,360
Speaker 1: hanging out with Julian and Kirsten. Yes, So, guys, go

1142
00:53:21,440 --> 00:53:23,560
Speaker 1: check out their site rechard regular dot com and if

1143
00:53:23,600 --> 00:53:25,440
Speaker 1: you want show notes for this episode, you can check

1144
00:53:25,480 --> 00:53:28,160
Speaker 1: out our website, which is how to money dot com.

1145
00:53:28,200 --> 00:53:30,080
Speaker 1: And if you found this episode helpful, we would love

1146
00:53:30,120 --> 00:53:32,120
Speaker 1: to hear from you. Guys. Leave us a review over

1147
00:53:32,200 --> 00:53:36,120
Speaker 1: at Apple Podcasts. That would be awesome and Joel, Until

1148
00:53:36,160 --> 00:53:38,439
Speaker 1: next time, Best Friends Out, Best Friends Out,