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

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Speaker 1: and today we're hosting an AMA so you can better

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Speaker 1: know your podcast hosts.

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Speaker 2: That's right, buddy, This is a This is like a

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Speaker 2: How to Money unplugged. Although by the way, my voice,

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Speaker 2: I feel like, does my voice sound horse to you?

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Speaker 2: This is a little battling, a little a little bit

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Speaker 2: of a cold here. But this is like a more

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Speaker 2: casual episode and instead of diving into financial tips, different stories,

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Speaker 2: different guests that we thought would be interesting for the podcast,

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Speaker 2: we are hosting an AMA and ask Me Anything for

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Speaker 2: those who like to spend time over on Reddit and Joel,

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Speaker 2: you posted in the Facebook group asking for just basically

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Speaker 2: if you had a question for us Matt and Joel

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Speaker 2: about anything non money related. Yeah, those are the questions

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Speaker 2: that we wanted to hear from.

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Speaker 1: You well, and specifically when we say non money related,

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Speaker 1: we didn't want it to be like an ask htm

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Speaker 1: episode right where you're asking money questions that you have.

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Speaker 1: But some people did ask about our financials. They asked

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Speaker 1: about how our podcast makes money. We're going to get

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Speaker 1: to those questions during this episode. So there is there's

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Speaker 1: a little.

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Speaker 2: Bit of money and that's just like one question. The

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Speaker 2: rest of them are very very personal, honestly, and so

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Speaker 2: we don't know about your lower back tattoo. Matt Joel

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Speaker 2: actually does have a tramp stamp, and we'll get to

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Speaker 2: that right after we introduce our beer. And actually we

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Speaker 2: wanted to should we did you want to explain the

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Speaker 2: Better Know Your podcast hosts? Oh, so it's like a

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Speaker 2: throwback to the Colbert Report, that's right.

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Speaker 1: Yeah. So one of the things out there best segments

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Speaker 1: in TV history was when Stephen Colbert, who was at

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Speaker 1: that point not nearly as well known, and he would

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Speaker 1: sit down with a congress person from a small district

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Speaker 1: in a random standum state, and so it was called

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Speaker 1: Better Know a District, And so he would interview a

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Speaker 1: congress person and ask him off the wall questions and

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Speaker 1: it was just like TV gold and so good. The

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Speaker 1: Colbert Reports a good segment was one of the best

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Speaker 1: shows on TV at that point in time. Oh easily

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Speaker 1: went back to back between The Daily Show and The

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Speaker 1: Colbert Report. Was like, that was an hour worth of

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Speaker 1: just utter beautiful political insanity.

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Speaker 2: But which Kate and I attended a taping of. I

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Speaker 2: don't know if we've ever talked about that. I think

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Speaker 2: we talkedah okay, yeah we got they were free back

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Speaker 2: in the day.

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Speaker 1: That was right before he stopped doing it, right right

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Speaker 1: before he took it.

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Speaker 2: Yeah, it was the last year, last season, and we

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Speaker 2: lucked out and got tickets to one of the tapings.

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Speaker 1: Yeah, so it's a fun time in the same way,

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Speaker 1: you can feel free to humiliate us with your questions

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Speaker 1: and maybe I'll do another one of these in the future.

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Speaker 1: But we were like, listen, like we've done matt our

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Speaker 1: personal stories, you and I where we kind of interviewed

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Speaker 1: each other, but it was.

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Speaker 2: More of like the our personal finance background essessily and

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Speaker 2: pause of like our history of money, how we approached money,

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Speaker 2: how we got.

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Speaker 1: To where we are today. If you want to know

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Speaker 1: more of those backgrounds, we'll link to both of those

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Speaker 1: episodes in the show. Yes, but this is really just

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Speaker 1: a way for you to ask your questions. Like if

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Speaker 1: you've listened for two months or for two years, you

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Speaker 1: probably have some questions about but who we are, what

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Speaker 1: we like, like what we do, and so we just

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Speaker 1: thought to be fun to take some of those on today's.

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Speaker 2: Episode's right, But first let's introduce our beer which is

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Speaker 2: Double Top, which is a double IPA by Academia Brewing Company.

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Speaker 2: Looking forward to enjoying this one with you today, buddy,

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Speaker 2: and we will share our thoughts at the end of

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Speaker 2: the episode for sure.

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Speaker 1: Yeah, this one was a collab with one of our

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Speaker 1: local bottle shops, which is the best bottle shop in

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Speaker 1: the area. We'll give our thoughts on this beer at

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Speaker 1: the end of the episode. But let's get to it, Matt.

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Speaker 1: Let's do the ama and give you guys a chance

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Speaker 1: to know us a little bit better. There were some

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Speaker 1: great questions posed in our Facebook group. By the way,

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Speaker 1: if you are not a member of the how to

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Speaker 1: Money Facebook group, go to Facebook dot com. If you're

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Speaker 1: you know, If you're so inclined, join the head of

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Speaker 1: Money Facebook group. We'd love to have you. It's a

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Speaker 1: bunch of awesome people asking each other money questions, giving

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Speaker 1: each other helpful financial.

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Speaker 2: Advice, encouraging each other.

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Speaker 1: It's the hive mind at work and the people are

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Speaker 1: sweet in there, which is nice because that's a rarity

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Speaker 1: when it comes to online engagement. But let's get to

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Speaker 1: our first question, Matt, that someone in the Facebook group

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Speaker 1: post this one was from Susan and it says, how

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Speaker 1: did you guys first meet each other. Alex also chimed

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Speaker 1: in he wanted a friendship history, so you want to

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Speaker 1: start on that one?

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Speaker 2: You made me kick it off. Yeah, so I would

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Speaker 2: say basically, it was a game night. So we've got

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Speaker 2: some mutual friends, and they invited Kate and I as

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Speaker 2: well as you and Emily and maybe like another couple

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Speaker 2: or two over. I cannot remember, but I know that

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Speaker 2: y'all were there. I know that we were there. I'm

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Speaker 2: pretty sure we played Settlers of Catan. I'm pretty sure

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Speaker 2: I probably won, unlikely, and so honestly, I'm surprised we

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Speaker 2: are actually friend because I know you hate getting beat

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Speaker 2: I am competitive. But that was that was when we

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Speaker 2: first met, and pretty much we've been friends ever since then. Yeah,

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Speaker 2: but yeah, that's actually okay, So I take it back.

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Speaker 2: That's the first time we met you two as a couple.

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Speaker 2: I had met Emily. Kate and I had met Emily

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Speaker 2: before previously. We talked about Monday Night Brewly they make

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Speaker 2: Atlanta's best beer, but back in the day they used

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Speaker 2: to brew in one of the founder's garage, Jeff's garage,

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Speaker 2: and I remember meeting Emily way way back in the day.

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Speaker 2: This is before you two started dating.

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Speaker 1: Actually, yeah, that's a good point. So, yeah, you guys

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Speaker 1: have known each other longer.

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Speaker 2: I'm slightly longer than a little bit longer than.

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Speaker 1: But yeah, we've been friends for now something close to

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Speaker 1: thirteen years. I guess that's got to be something a

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Speaker 1: long time close to that. Yes, I think it was

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Speaker 1: the beginning of twenty eleven. Yeah, so yeah, and it's

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Speaker 1: one of those things where Matt and I we just

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Speaker 1: kind of very different personalities in a lot of ways,

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Speaker 1: but we have a lot of things in common. We

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Speaker 1: care about a lot of the same things. We also

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Speaker 1: went to the same church for a long time, so

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Speaker 1: that's part of it. We're actually we've got a couple

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Speaker 1: of faith based questions that we'll get to in a

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Speaker 1: little bit too. Yeah.

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Speaker 2: Well, okay, so kind of related to how we met

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Speaker 2: each other. Megan asked, how did you meet your wives?

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Speaker 2: And I already explained how I met your wife, Joel,

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Speaker 2: how did you meet your wife?

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Speaker 1: Yeah, so interestingly enough at church, and so her other

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Speaker 1: question was, I'm curious if you guys are religious at all,

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Speaker 1: And yes, my wife and I we met it well,

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Speaker 1: actually the first time I ever met her was at

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Speaker 1: a friend's wedding and I remember seeing her on the

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Speaker 1: dance floor and she has dance moves like no other,

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Speaker 1: and so I was like, who is this girl with

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Speaker 1: those phenomenal dance moves? And it turns out she was

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Speaker 1: dating someone else at the time, and so I had

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Speaker 1: to kind of like I asked around behind the scenes,

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Speaker 1: got the low, and finally she broke up with that loser,

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Speaker 1: and I immediately asked her on a date and it

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Speaker 1: didn't take well. Actually, the first three dates did not

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Speaker 1: go so well, and we just didn't connect at all,

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Speaker 1: and I was like, I'm just not going to ask

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Speaker 1: her out again. I don't know. She felt very guarded

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Speaker 1: and so we didn't really hit it off immediately. But

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Speaker 1: then we kind of started to hang out as friends

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Speaker 1: more and more and we realized that we liked each other,

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Speaker 1: started dating again. Didn't have to date very long before

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Speaker 1: we knew, hey, you're the one for me.

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Speaker 2: Before we pop the big question, you are engaged. And

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Speaker 2: so this is when y'all are both in your mid twenties,

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Speaker 2: you are kind of like young professionals.

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Speaker 1: That's right. Twenty five.

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Speaker 2: Kate and I we met when we were in college,

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Speaker 2: and so she was a freshman.

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Speaker 1: I was more of a young unprofessional. By the way,

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Speaker 1: you still got to wear your jeans and T shirts.

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Speaker 1: That's right.

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Speaker 2: Kate was a freshman. I was a senior the year

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Speaker 2: that we met, and so it didn't make a whole

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Speaker 2: lot of sense for us to start dating. But we

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Speaker 2: had a lot of mutual friends. Is it because of

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Speaker 2: that we started hanging out some and then started hanging

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Speaker 2: out more one on one started dating that last semester

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Speaker 2: before I got graduated. So it was one of the

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Speaker 2: didn't really make sense, But you know, jel love, it

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Speaker 2: doesn't really make a whole lot of sense sometimes, does

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Speaker 2: it true? But yeah, that is how philosopher Buney and well, yeah,

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Speaker 2: and Megan the second part of our question. I've always

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Speaker 2: been curious if you guys are religious at all.

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Speaker 1: Yeah. Carol had a question too that followed up on that. Basically, yeah,

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Speaker 1: the Ancient Money Wisdom episode. She said, I'd like to

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Speaker 1: hear more about how faith factors into your money decisions,

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Speaker 1: is at all?

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Speaker 2: Those are kind of connected connected questions there. But yeah,

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Speaker 2: so I was raised Catholic, I grew up Catholic, and

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Speaker 2: then over time found myself in other branches of Christianity,

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Speaker 2: But does that factor into any of our money decisions?

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Speaker 2: And I would say absolutely. It's hard to tell which aspects,

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Speaker 2: which parts of faith directly influence money decisions. We recently

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Speaker 2: had an episode about being charitable, about giving your money away.

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Speaker 2: That is a way in which it directly impacts how

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Speaker 2: it is that we handle our money. So in the Bible,

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Speaker 2: there's the tithe which is giving away ten percent of

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Speaker 2: your income.

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Speaker 1: And that's kind of the Old Testmun print. And then

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Speaker 1: the principle in the New Testament that Jesus espouses is

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Speaker 1: to sacrificially give your money away, which I think is

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Speaker 1: kind of like even in.

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Speaker 2: A higher standard exactly, Yeah, And so I mean that's

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Speaker 2: one of, like one of the direct ways. But ultimately,

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Speaker 2: like I feel like one of the core tenets of

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Speaker 2: Christianity is just about it's about loving other people, right,

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Speaker 2: like loving your neighbor, loving your enemies. And so when

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Speaker 2: it comes to just how it is that our family

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Speaker 2: handles our money and just kind of what it is

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Speaker 2: that we do here on the show, Joel, I think

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Speaker 2: basically maybe an oversimplified filter is does this action does

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Speaker 2: it demonstrate love to other people to our listeners, and

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Speaker 2: I think by running almost every decision that we make

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Speaker 2: sort of through that filter. In granted, it's not like

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Speaker 2: we're sitting sitting down and like literally asking that question

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Speaker 2: every time we have to make a decision, but that

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Speaker 2: kind of it tints every decision that we make. It's

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Speaker 2: sort of like this underlying current that helps to guide

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Speaker 2: us when it comes to whether just different advertising opportunities

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Speaker 2: that we're faced with, or just the kind of content

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Speaker 2: and how it is that we want to approach topics.

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Speaker 1: It's I think to one of things. We don't really

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Speaker 1: explicitly talk about our faith on the show a whole lot,

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Speaker 1: and we've had listener emails from time to time to

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Speaker 1: like you said this on the show that sounds like

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Speaker 1: somebody who might like go to church or have a

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Speaker 1: specific kind of faith and they want to ask more questions.

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Speaker 1: We're more than happy to discuss it. But it's one

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Speaker 1: of those things where there are people who are really

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Speaker 1: outspoken about their faith who oftentimes do more harm than good. Yeah,

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Speaker 1: I think, And so it's not that we want to

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Speaker 1: hide what we believe, but it's the reality is we've

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Speaker 1: seen people use their faith sometimes as a cudgel when

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Speaker 1: they're in places of prominence, and so we want to

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Speaker 1: be careful how we talk about our faith, and so

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Speaker 1: we'd rather live it out more than yell it out.

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Speaker 1: But yeah, we appreciate those questions, and so, yes, faith

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Speaker 1: plays an important fact factor in our lives. Carol also said,

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Speaker 1: you have rules or guidelines forgiving that help you overcome

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Speaker 1: your natural frugality, which I think is honestly is like

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Speaker 1: one of the toughest things I've had to wrestle with

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Speaker 1: because I'm naturally frugal, and so giving money away feels

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Speaker 1: painful in a lot of ways. And we reference the

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Speaker 1: episode we just did Matt about giving money away, and yeah,

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Speaker 1: so I think that is an important part of it

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Speaker 1: for me, is to like a counterbalance. Yeah, and it

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Speaker 1: helps me reframe what's true and remember what's true the

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Speaker 1: fact that I'm not promised tomorrow and that my money

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Speaker 1: isn't what's going to save me, and so giving it

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Speaker 1: away is part of something deeper and more important and

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Speaker 1: more fundamental than probably even we even talked about in

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Speaker 1: that episode. Totally.

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Speaker 2: All right, let's keep moving, Derek said at this point,

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Speaker 2: why haven't your families gone the commune route. It seems

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Speaker 2: like it could be the most frugal option. What do

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Speaker 2: you think about that, Joel. We talked about it, we

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Speaker 2: really did, because when we.

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Speaker 1: Talked about moving part we talked that's closer to the

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Speaker 1: truth than you realize. We talked about moving south of

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Speaker 1: town as opposed to north of town. And there was

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Speaker 1: like this property with like a creek running through it

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Speaker 1: in this giant house, where like, what if we all

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Speaker 1: hold up in this one house, is there enough space

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Speaker 1: for us? Or we could build We even talked about

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Speaker 1: like building two places side by side sort of thing.

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Speaker 2: There's this lot that we looked at and it would

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Speaker 2: have been a lot that you could It was a

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Speaker 2: pretty big lot, and the idea was to potentially purchase

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Speaker 2: this home, demolish it up, divide the lot, and then

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Speaker 2: create two.

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Speaker 1: Houses on this side by side. So if you didn't

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Speaker 1: think we were weird already for having moved our whole

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Speaker 1: families together, we're.

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Speaker 2: Literally considering going this route. But I mean, honestly, I'm

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Speaker 2: glad we didn't, though.

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Speaker 1: Because some space is good, I think, especially for your

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Speaker 1: family compared to like our family. We're more social beings

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Speaker 1: and you, guys, you love your neighbors. You guys love

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Speaker 1: your people too, but I think we might be if

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Speaker 1: we were your next door neighbors, it might be a

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Speaker 1: little intense for you guys.

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Speaker 2: Yeah, we'd have to have like visiting hours, like before

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Speaker 2: this time, and after this time, you are not allowed

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Speaker 2: over here. Nobody, nobody is allowed over You'd have to

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Speaker 2: build a teller fence to keep me out. Probably, Oh,

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Speaker 2: Sheila wants. She's been a listener for a long time,

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Speaker 2: and she and I actually go back to college. So

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Speaker 2: she listened to She said, tell them about your hitchhiking adventures.

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Speaker 2: So yeah, I don't mind doing that. Back in two

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Speaker 2: thousand and six, I guess I had had my first

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Speaker 2: job in radio and it didn't pay much and it

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Speaker 2: was morning so not.

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Speaker 1: Just morning radio, but like early early morning, early early,

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Speaker 1: so I had to wake up by like three at

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Speaker 1: the show I think was on from five to eight,

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Speaker 1: and it was just like a punishing job. So I

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Speaker 1: did it for like six months. It was an amazing

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Speaker 1: learning experience. I'm so glad I did it. But then

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Speaker 1: I quit the moment I could because it was just

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Speaker 1: not ideal for me to wake up at that time,

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Speaker 1: and I want to do something else, but I quit. Actually,

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Speaker 1: I'd saved up enough money, even on this meager salary,

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Speaker 1: to go on a road trip around the country with

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Speaker 1: one of my best buds at the time. And yeah,

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Speaker 1: three months in an old beat up Hondai court station wagon,

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Speaker 1: got to visit most of the United States, see some

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Speaker 1: amazing spots. So those were my vagabonding months. And that's

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Speaker 1: one of those things too, when you talk about like

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Speaker 1: compounding rates of return, Matt and investing young, that's kind

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Speaker 1: of one of those things that a traditional financial expert

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Speaker 1: would tell you, no, no, no, don't don't do that. Those

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Speaker 1: months are so important when you're young, but so are

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Speaker 1: the memories, and so we're like taking time away, and

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Speaker 1: I saved up enough to make it happen, and I'm

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Speaker 1: so glad. I still look back at those months with fondness,

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Speaker 1: the people I met, the things I got to see,

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Speaker 1: just kind of the learning experience that it was.

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Speaker 2: Jason, he's asking if we keep a spreadsheet of all

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Speaker 2: the craft beers that we've had on the show, and Jason,

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Speaker 2: unfortunately we don't have a spreadsheet, which sounds counter to

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Speaker 2: how I like to approach life. But I do have

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Speaker 2: a folder It's a beer folder inside the how to

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Speaker 2: Money folder on my desktop on the computer, and so

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Speaker 2: I'm able to quickly go in there when it comes

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Speaker 2: to specifically when we're like, oh, have we had this

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Speaker 2: beer on the show before? And then I can quickly

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Speaker 2: jog my memory and oh, yeah, no, we've already had

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Speaker 2: that one, or we haven't had one like that yet.

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Speaker 1: And if you're wondering what we've had on the show before,

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Speaker 1: what kinds of beers specific ones, you just follow us

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Speaker 1: on Instagram and you can scroll back through there pretty

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Speaker 1: quickly and you can be like, oh, you can get

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Speaker 1: a sense of which beers we've.

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Speaker 2: Had trying to post pictures of yeah, of all the

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Speaker 2: beers that we have. But ideally, man, we would have

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Speaker 2: a single pager on the website that had every single

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Speaker 2: beer listed out and then maybe one of these days

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Speaker 2: I think, I feel like that's something that we can

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Speaker 2: hire out for someone to do, like on fiver or something. Yeah,

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Speaker 2: but then you click the beer and then it links

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Speaker 2: to the episode where we had that beer.

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Speaker 1: That'd be cool. But I mean at this point, we've

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Speaker 1: had like almost four hundred four hundred something.

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Speaker 2: Yeah, I've had more episodes than beers because we don't

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Speaker 2: have beers on Friday flights, and so that's why the

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Speaker 2: numbers don't line up exactly. Actually, related Lydia, she asked

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Speaker 2: if we've tried hop water before, you know what that is, or,

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Speaker 2: she says, if not, would you would you try hopwater?

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Speaker 1: Djoel, I don't know. I guess I'm not really sure

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Speaker 1: what it is either. I think Laga need Us at

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Speaker 1: one point came out with some sort of like infused

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Speaker 1: hop water. But I'd give it a shot. But it's

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Speaker 1: probably not something I either want to drink water or

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Speaker 1: I want to drink beer. I don't necessarily want the

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Speaker 1: blend to the both, but maybe it's awesome. I'd give

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Speaker 1: it a shot. If someone gives me one, I'll try.

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Speaker 1: Josh wants to know how either of you tried homebrewing,

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Speaker 1: and if so, how is the experience. I'll start. No,

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Speaker 1: I have not tried homebrewing. People ask me that all

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Speaker 1: the time as a craft beer lover, but one at

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Speaker 1: the time it takes to get up to speed to

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Speaker 1: become a decent homebrewer. It seems like it would take

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Speaker 1: a while and a lot of wasted, crappy beer that

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Speaker 1: I have to drink in order to get there, and

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Speaker 1: there's people doing it on such an amazing level, Like

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Speaker 1: there's no way it's even possible for me. I mean,

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Speaker 1: I don't want to say nothing's possible. It's not impossible,

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Speaker 1: it's not possible, but it How long would it takes

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Speaker 1: me to be able to brew a beer as good

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Speaker 1: as other halfs IPAs or as good as a barrel

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Speaker 1: age sour from Casey Brewing blending and brewing, or like,

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Speaker 1: it's just it would take me so long to get

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Speaker 1: anywhere near that vicinity. I'm just gonna drink the good

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Speaker 1: stuff that other people make.

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Speaker 2: That's true, but there is some I mean there's a

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Speaker 2: frugal side of it as well, right, because imagine once

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Speaker 2: you did dial in, like right now we're drinking the

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Speaker 2: double ipa. What if you were able to dial in

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Speaker 2: a killer hazy double ipa. It's one that you're able

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Speaker 2: to keep on draft at your house and anytime friends

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Speaker 2: came over, you would you had the honor, the joy

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Speaker 2: to be able to pour them your very own double ipa.

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Speaker 1: Yeah how awesome with that? No, that sounds yeah, that

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Speaker 1: sounds like really fun to be able to do that.

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Speaker 1: We we did talk with a brewery at one point

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Speaker 1: about doing a collab beer, which would be really fun.

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Speaker 1: I remember that. Well, so it's one of our favorites

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Speaker 1: and it'd be really cool to get to go down

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Speaker 1: there and brew a beer with them one day. Oh okay, yeah,

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Speaker 1: number yeah, So we'll see. I don't know, maybe that

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Speaker 1: will happen at something that would be awesome, That would

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Speaker 1: be cool.

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Speaker 2: Yeah, I've I've tried it. I did it once early

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Speaker 2: on in my craft beer career, and so because it

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Speaker 2: was early on, I'm guessing I probably remember it being

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Speaker 2: better than it actually was. But it was a Russian

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Speaker 2: Imperial stout and we brewed it, me and my roommate

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Speaker 2: at the time. We brewed it with another friend of

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Speaker 2: ours who was a pretty serious home brewer. But I

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Speaker 2: remember it being being solid. I even gave a couple

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Speaker 2: bottles to my father in law because I thought he

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Speaker 2: liked beer. I mean, he does like beer. But the

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Speaker 2: Macro produced laggers.

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Speaker 1: That first, the hot water, which is basically what bud

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Speaker 1: light is, right exactly. Yeah, and so that was Josh.

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Speaker 1: Lauren asked, do you have any other craft beer equivalents

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Speaker 1: besides beer, Joel, Yeah, we both do and So that's

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Speaker 1: one of those things where, yeah, we say a few

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Speaker 1: craft beer equivalents, right, so that you prioritize not just

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Speaker 1: one thing, but typically for the average person's gonna be

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Speaker 1: something like three, three or four things. So my other

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Speaker 1: craft beer equivalents, well, the thing is they change too.

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Speaker 1: So I would have said international travel it varies, was

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Speaker 1: one of those things ten years ago, pretty kids, it

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Speaker 1: was something we did at least once a year. We

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Speaker 1: got to see some really great spots. Actually have a

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Speaker 1: question about that later, But now that's kind of changed.

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Speaker 1: We've actually our craft beer equivalent now is local places

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Speaker 1: to eat is one of those things. We spend more

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Speaker 1: money eating out than we do on travel these days.

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Speaker 1: It's just kind of gone up in our book. And

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Speaker 1: hopefully that will change as we get older and we'll

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Speaker 1: go back. We'll revert back to more travel on once

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Speaker 1: our kids get get bigger. But one other thing I've

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Speaker 1: always talked about on the show is full heart. We

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Speaker 1: buy weird art, and that's something my wife and I

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Speaker 1: are into at least one piece a year. The weirder

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Speaker 1: the better, the weirder the better. Joel always said, I know,

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Speaker 1: I like the funky stuff, and we actually just went

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Speaker 1: to a full Heart festival not too long ago about

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Speaker 1: like four awesome pieces. But the cool thing was none

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Speaker 1: of those pieces were more than fifty bucks. So even so,

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Speaker 1: but we're willing to spend hundreds and hundred dollars on

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Speaker 1: a great piece of art once a year if we

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Speaker 1: find the right thing.

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Speaker 2: Yeah, like you said, craft beer equivalents, I think they

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Speaker 2: do evolve in morph and change over time. And so

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Speaker 2: right now I would say my craft beer equivalent is

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Speaker 2: most definitely paying for my CrossFit membership, because it ain't cheap.

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Speaker 2: Anybody who has not only joined a gym, but specifically

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Speaker 2: joined a CrossFit gym knows that they can be quite

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Speaker 2: expensive because you're not just paying for access to a

436
00:18:04,600 --> 00:18:06,199
Speaker 2: bunch of weights that are sitting there, or like a

437
00:18:06,240 --> 00:18:08,560
Speaker 2: rolling machine that kind of thing. You're you're paying for

438
00:18:08,880 --> 00:18:11,040
Speaker 2: the jobs of a bunch of different trainers who are

439
00:18:11,040 --> 00:18:14,399
Speaker 2: there guiding you through the movements and teaching you. And

440
00:18:14,480 --> 00:18:17,080
Speaker 2: so for me, right now, that's most definitely my splurge.

441
00:18:17,080 --> 00:18:17,119
Speaker 1: It.

442
00:18:17,160 --> 00:18:21,239
Speaker 2: Yeah, it's CrossFit and actually a little money tip a

443
00:18:21,240 --> 00:18:23,760
Speaker 2: listener I cannot remember her name, but she emailed in

444
00:18:23,960 --> 00:18:26,439
Speaker 2: and shared after that episode, you know, we did the

445
00:18:26,640 --> 00:18:29,000
Speaker 2: you know, going full CrossFit on your finances a few

446
00:18:29,000 --> 00:18:32,560
Speaker 2: weeks ago, but she emailed about this this service called

447
00:18:32,840 --> 00:18:35,960
Speaker 2: street Parking, which is something it was something like twenty

448
00:18:35,960 --> 00:18:38,320
Speaker 2: bucks a month and it gives you access to programming.

449
00:18:38,600 --> 00:18:40,480
Speaker 2: So obviously you need to have some sort of foundation

450
00:18:40,800 --> 00:18:44,440
Speaker 2: under your belt before you kind of dive into diying

451
00:18:44,480 --> 00:18:47,080
Speaker 2: it at home. But this is totally an option that

452
00:18:47,119 --> 00:18:48,680
Speaker 2: I think for a lot of folks who are looking

453
00:18:48,720 --> 00:18:51,639
Speaker 2: to maintain that habit but who are also looking to

454
00:18:51,800 --> 00:18:57,200
Speaker 2: not pay out the nose for the expensive CrossFit membership.

455
00:18:57,200 --> 00:19:01,120
Speaker 2: That's definitely worth checking out. Again, it is called street Parking.

456
00:19:01,200 --> 00:19:03,520
Speaker 1: Yeah, we'll link to that in the show notes as well,

457
00:19:03,600 --> 00:19:05,000
Speaker 1: just so you can you can check that out if

458
00:19:05,040 --> 00:19:06,880
Speaker 1: you're interested. Yeah, but Matt and Matt, you would say

459
00:19:06,920 --> 00:19:09,400
Speaker 1: that you don't necessarily you don't have to have CrossFit,

460
00:19:09,480 --> 00:19:12,160
Speaker 1: but for you, especially as you're learning, it's it's really

461
00:19:12,240 --> 00:19:15,600
Speaker 1: good and for you the coaching part is really awesome. Yeah.

462
00:19:15,640 --> 00:19:17,760
Speaker 2: So, and you might not do it. It provides that in perpetuity.

463
00:19:17,960 --> 00:19:19,960
Speaker 2: Oh yeah, well, and that's I thought. What you're gonna

464
00:19:19,960 --> 00:19:22,040
Speaker 2: say is that I may not do it except for

465
00:19:22,080 --> 00:19:24,200
Speaker 2: the fact that I do have coaches, not yelling at me,

466
00:19:24,280 --> 00:19:27,000
Speaker 2: but just the accountability that comes with being there. At

467
00:19:27,000 --> 00:19:29,000
Speaker 2: the certain classes, folks come to expect that you're gonna

468
00:19:29,040 --> 00:19:31,119
Speaker 2: be there. There's a certain level of accountability. So I

469
00:19:31,119 --> 00:19:33,360
Speaker 2: guarantee I've done it more than I would have if

470
00:19:33,359 --> 00:19:35,640
Speaker 2: it was just left to me at home by myself.

471
00:19:35,680 --> 00:19:38,520
Speaker 2: But again, over time, if that's a discipline I can develop,

472
00:19:38,720 --> 00:19:40,920
Speaker 2: and once I learned some of those basic movements, then

473
00:19:41,240 --> 00:19:43,960
Speaker 2: I could well. I mean, I am all about diying

474
00:19:43,960 --> 00:19:46,320
Speaker 2: stuff and saving money and you know, doing stuff at home.

475
00:19:46,440 --> 00:19:50,080
Speaker 2: Thus the craft beer homebrewing conversation we just hadjole, But

476
00:19:50,160 --> 00:19:51,920
Speaker 2: in this case, I'm just not quite there yet.

477
00:19:52,000 --> 00:19:54,040
Speaker 1: Cool cool, all right, Well maybe one of these days,

478
00:19:54,040 --> 00:19:55,920
Speaker 1: but for now, Yeah, you don't mind spending the money.

479
00:19:55,920 --> 00:19:57,520
Speaker 1: It's one of those craft beer clements. When you name

480
00:19:57,520 --> 00:19:59,520
Speaker 1: it like that, totally my splurge, you know, it becomes

481
00:19:59,560 --> 00:20:01,399
Speaker 1: a lot less. It's difficult to funnel money in that

482
00:20:01,440 --> 00:20:03,280
Speaker 1: direction when you've kind of named it as such.

483
00:20:03,480 --> 00:20:05,960
Speaker 2: Well, yeah, I mean that's the tough thing about it, though,

484
00:20:06,000 --> 00:20:07,840
Speaker 2: is because it's typically at the beginning of the year.

485
00:20:07,880 --> 00:20:10,000
Speaker 2: At the end of every calendar year, we sit down

486
00:20:10,000 --> 00:20:12,200
Speaker 2: and we look ahead and we forecast and we dream

487
00:20:12,520 --> 00:20:14,680
Speaker 2: and we decide sort of preemptively what we're going to

488
00:20:14,720 --> 00:20:17,000
Speaker 2: spend our money on, and this was one that basically

489
00:20:17,000 --> 00:20:18,639
Speaker 2: showed up in the middle of the year. And so

490
00:20:18,760 --> 00:20:20,440
Speaker 2: because of that, I think there is sort of this

491
00:20:20,560 --> 00:20:23,679
Speaker 2: sense of guilt. But I know next year it'll be

492
00:20:23,680 --> 00:20:25,920
Speaker 2: a lot easier because it's something that we've already spent

493
00:20:26,000 --> 00:20:28,000
Speaker 2: money on, and so I will then be able to say, no,

494
00:20:28,119 --> 00:20:30,480
Speaker 2: this is something that is important, whereas this year it

495
00:20:30,560 --> 00:20:32,640
Speaker 2: kind of felt like it kind of found its way

496
00:20:32,640 --> 00:20:34,840
Speaker 2: onto the budget without as much planning.

497
00:20:34,960 --> 00:20:37,240
Speaker 1: Yeah, but it makes sense, all right. So Lindsay wants

498
00:20:37,280 --> 00:20:39,159
Speaker 1: to know when did each of you become interested in

499
00:20:39,240 --> 00:20:40,680
Speaker 1: money and financial literacy.

500
00:20:40,920 --> 00:20:43,720
Speaker 2: Well, for me, I'll say that necessity is the mother

501
00:20:43,880 --> 00:20:47,440
Speaker 2: of all invention. I became interested in personal finances when

502
00:20:47,440 --> 00:20:50,080
Speaker 2: I realized they didn't have any money. Like I had

503
00:20:50,080 --> 00:20:54,120
Speaker 2: taken my first job out of college and I was realizing, Man,

504
00:20:54,200 --> 00:20:57,040
Speaker 2: my paycheck is not going nearly as far as I

505
00:20:57,080 --> 00:20:59,240
Speaker 2: thought it would. And so that's when I learned about budgeting.

506
00:20:59,280 --> 00:21:01,600
Speaker 2: That's when I created my budgets at that point in time.

507
00:21:01,600 --> 00:21:04,600
Speaker 2: It's also when I discovered Dave Ramsey. Though at that

508
00:21:04,600 --> 00:21:07,720
Speaker 2: point I didn't have any debt, but I still realized

509
00:21:07,760 --> 00:21:11,439
Speaker 2: the importance of budgeting specifically, and so yeah, that started

510
00:21:11,440 --> 00:21:14,600
Speaker 2: the process of me thinking about money talking about it.

511
00:21:14,800 --> 00:21:16,400
Speaker 2: Kate and I were engaged at that point in time

512
00:21:16,440 --> 00:21:18,160
Speaker 2: as well, and so it was a discussion that her

513
00:21:18,200 --> 00:21:20,199
Speaker 2: and I were having as well. So it wasn't just

514
00:21:20,200 --> 00:21:22,800
Speaker 2: something I was doing, but it's something that we were

515
00:21:22,800 --> 00:21:24,879
Speaker 2: talking about, which made it more comfortable. I think for

516
00:21:24,920 --> 00:21:27,280
Speaker 2: me to then talk about personal finances with other people,

517
00:21:27,680 --> 00:21:30,400
Speaker 2: I think that may have led to me feeling comfortable

518
00:21:30,480 --> 00:21:33,960
Speaker 2: with talking about money with you, Joel, which maybe ultimately

519
00:21:34,000 --> 00:21:35,520
Speaker 2: helped lead us to the podcast as well.

520
00:21:35,520 --> 00:21:36,280
Speaker 1: The fact that was a.

521
00:21:36,200 --> 00:21:38,360
Speaker 2: Part of our friendship early on. Was just talking about

522
00:21:38,400 --> 00:21:39,080
Speaker 2: money for sure.

523
00:21:39,160 --> 00:21:41,520
Speaker 1: Yeah, and for me, you can hear the full, the

524
00:21:41,600 --> 00:21:45,560
Speaker 1: longer version of the story in that that podcast episode

525
00:21:45,560 --> 00:21:48,240
Speaker 1: where Matt interviewed me about my money story. But childhood,

526
00:21:48,240 --> 00:21:50,679
Speaker 1: it was my parents not being great with money. It

527
00:21:50,720 --> 00:21:53,520
Speaker 1: was about the troubles of that caused the fights, and

528
00:21:53,880 --> 00:21:56,440
Speaker 1: so I tell kind of like the long form story

529
00:21:56,480 --> 00:21:58,879
Speaker 1: in that one. But then and then getting to work

530
00:21:59,200 --> 00:22:01,879
Speaker 1: for a radio show that was for fifteen years, it

531
00:22:02,000 --> 00:22:04,480
Speaker 1: was all about personal finance, which you are tsumer advocacy. Yeah,

532
00:22:04,520 --> 00:22:07,040
Speaker 1: and that combined with my past, like with with what

533
00:22:07,080 --> 00:22:09,119
Speaker 1: I'd experienced in childhood, just to lit this flame in

534
00:22:09,160 --> 00:22:12,040
Speaker 1: me for a care to do well with my own

535
00:22:12,080 --> 00:22:13,800
Speaker 1: money and then to help other people do the sense

536
00:22:13,800 --> 00:22:15,440
Speaker 1: of the perfect recipe for you.

537
00:22:16,320 --> 00:22:18,760
Speaker 2: Last question here before the break, Kevin asked, if you

538
00:22:18,800 --> 00:22:22,640
Speaker 2: weren't financial gurus, which I'll put an asterisk next to that.

539
00:22:22,680 --> 00:22:25,440
Speaker 1: Right there, what financial idiots? Yeah?

540
00:22:25,520 --> 00:22:28,080
Speaker 2: What career do you think you would have gone for?

541
00:22:28,280 --> 00:22:30,760
Speaker 1: Joel? All right, So I've always loved broadcasting. I got

542
00:22:30,760 --> 00:22:32,800
Speaker 1: into radio because I thought it was the coolest medium

543
00:22:32,840 --> 00:22:36,399
Speaker 1: to reach people. Long form audio to me is really

544
00:22:36,480 --> 00:22:39,960
Speaker 1: the most effective way to get something across. And I

545
00:22:40,000 --> 00:22:42,439
Speaker 1: love the relationship you can build with a listener just

546
00:22:42,440 --> 00:22:44,600
Speaker 1: by being in their ears for forty five minutes, three

547
00:22:44,640 --> 00:22:46,560
Speaker 1: days a week. And so, but for me, it would

548
00:22:46,560 --> 00:22:49,919
Speaker 1: have been being the Braves announcer probably, like that's what

549
00:22:49,960 --> 00:22:51,600
Speaker 1: I wanted to do. I took the dream job. Yeah,

550
00:22:51,640 --> 00:22:54,000
Speaker 1: I took a sports broadcasting class in college. Do it?

551
00:22:54,160 --> 00:22:55,919
Speaker 1: I mean, it's possible, It is possible. I guess what

552
00:22:56,320 --> 00:22:57,040
Speaker 1: I mean. I don't know.

553
00:22:57,040 --> 00:22:58,880
Speaker 2: Maybe it's easier for me to think this way because

554
00:22:59,200 --> 00:23:02,040
Speaker 2: for you, I like it feels like a continuation of

555
00:23:02,080 --> 00:23:04,879
Speaker 2: your previous career, But for me, being a photographer, this

556
00:23:04,920 --> 00:23:08,600
Speaker 2: has been a completely massive pivot in my life, and

557
00:23:08,640 --> 00:23:10,800
Speaker 2: so it's not very difficult for me to imagine the

558
00:23:10,840 --> 00:23:14,359
Speaker 2: different future, I guess, other than talking about money with

559
00:23:14,400 --> 00:23:17,200
Speaker 2: you while drinking beer here on the show, but generally speaking,

560
00:23:17,400 --> 00:23:20,120
Speaker 2: I found that one of the most rewarding aspects of

561
00:23:20,160 --> 00:23:22,240
Speaker 2: what we do here on How to Money is seeing

562
00:23:22,280 --> 00:23:25,640
Speaker 2: the positive impact on individuals' lives. The fact that we've

563
00:23:25,640 --> 00:23:29,560
Speaker 2: been able to encourage and provide the information for folks

564
00:23:29,640 --> 00:23:32,639
Speaker 2: to completely change their life, to change the trajectory of

565
00:23:32,680 --> 00:23:36,480
Speaker 2: their life, has been incredibly rewarding, and so I guess

566
00:23:36,560 --> 00:23:39,640
Speaker 2: kind of going along that path like finding some way

567
00:23:39,760 --> 00:23:41,960
Speaker 2: to like this is going to sound super woo woo,

568
00:23:42,040 --> 00:23:44,320
Speaker 2: but like life coaching or like some sort of like

569
00:23:44,400 --> 00:23:49,360
Speaker 2: general wellness. Money is one aspect of living a full, complete,

570
00:23:49,440 --> 00:23:51,879
Speaker 2: happy life, but there are other aspects as well, like

571
00:23:52,720 --> 00:23:54,879
Speaker 2: physical fitness. I mean again, that's something that you and

572
00:23:54,920 --> 00:23:56,959
Speaker 2: I have kind of thought more about recently, but like

573
00:23:57,480 --> 00:24:01,040
Speaker 2: social wellness, spiritual health, men like, there are all these

574
00:24:01,080 --> 00:24:05,280
Speaker 2: aspects of personal health that I think oftentimes get overlooked

575
00:24:05,440 --> 00:24:08,160
Speaker 2: and folks don't give all these other aspects the time

576
00:24:08,359 --> 00:24:10,560
Speaker 2: that they should in order to find the balance that

577
00:24:10,600 --> 00:24:11,600
Speaker 2: they need in their own lives.

578
00:24:11,680 --> 00:24:14,120
Speaker 1: Some people just don't have the time, or they feel

579
00:24:14,119 --> 00:24:15,359
Speaker 1: like they're crunched and get that, or.

580
00:24:15,359 --> 00:24:17,480
Speaker 2: They don't feel that they have the time when instead

581
00:24:17,480 --> 00:24:19,800
Speaker 2: it's like, well, maybe if you weren't watching Netflix or

582
00:24:19,840 --> 00:24:22,080
Speaker 2: watching whatever, like whatever it is that they're doing. I

583
00:24:22,119 --> 00:24:25,840
Speaker 2: think if it's a long time, yes, I think we do.

584
00:24:26,080 --> 00:24:29,400
Speaker 2: And I think oftentimes we're so focused on our careers

585
00:24:29,520 --> 00:24:32,639
Speaker 2: or whatever specialty that we give all of our attention

586
00:24:32,720 --> 00:24:35,239
Speaker 2: to that we don't give time for these things that

587
00:24:35,320 --> 00:24:38,560
Speaker 2: would allow us to become like more generalists basically as

588
00:24:38,560 --> 00:24:41,320
Speaker 2: opposed to specialists. And I think we might need more

589
00:24:41,400 --> 00:24:43,240
Speaker 2: generalists in our world, or at least more of a

590
00:24:43,240 --> 00:24:45,520
Speaker 2: generalist approach when it comes to living a balanced life.

591
00:24:45,560 --> 00:24:47,040
Speaker 1: All Right, I got it. I like that. I like that.

592
00:24:47,160 --> 00:24:49,000
Speaker 1: All right, So we thank you for all those questions.

593
00:24:49,040 --> 00:24:50,359
Speaker 1: We got a bunch more we want to get to,

594
00:24:50,600 --> 00:24:53,200
Speaker 1: just so many good ones that people sent in, So yeah,

595
00:24:53,240 --> 00:24:55,199
Speaker 1: we'll get to our thoughts on a bunch more of

596
00:24:55,200 --> 00:24:56,760
Speaker 1: your questions. We'll get to those right after this.

597
00:25:06,040 --> 00:25:07,800
Speaker 2: Oh right, we're back to the break. Joel just hit

598
00:25:07,800 --> 00:25:11,480
Speaker 2: the ground running Nate. He is asking how many bikes

599
00:25:11,480 --> 00:25:15,320
Speaker 2: do you individually have and what's the best one or ones.

600
00:25:15,040 --> 00:25:17,680
Speaker 1: That you like? Okay, I have two bikes. I don't

601
00:25:17,720 --> 00:25:21,800
Speaker 1: know how we have totally in our garage as a whole.

602
00:25:22,520 --> 00:25:24,960
Speaker 1: Basically everyone in our family has one bike. I have two,

603
00:25:25,240 --> 00:25:27,399
Speaker 1: and that's because I have my road bike and I

604
00:25:27,480 --> 00:25:30,320
Speaker 1: have my ride wagon. My ridwagon is the electric cargo bike,

605
00:25:30,359 --> 00:25:32,560
Speaker 1: and so that helps me sling my kids around town,

606
00:25:32,760 --> 00:25:35,880
Speaker 1: and the road bike helps sling me slinging myself around town.

607
00:25:36,200 --> 00:25:39,200
Speaker 1: And that's all I've really felt like I needed. I've

608
00:25:39,280 --> 00:25:42,240
Speaker 1: kind of considered getting a mountain bike, but haven't pulled

609
00:25:42,240 --> 00:25:42,840
Speaker 1: the trigger yet.

610
00:25:43,040 --> 00:25:46,080
Speaker 2: We've got like around I think around seven bikes likely

611
00:25:46,160 --> 00:25:49,920
Speaker 2: to I feel like our fleet is likely to increase

612
00:25:50,520 --> 00:25:53,760
Speaker 2: over the years, as as the younger ones are riding

613
00:25:53,800 --> 00:25:55,960
Speaker 2: more as well. But I've got to I've got the

614
00:25:55,960 --> 00:25:58,119
Speaker 2: the Salsa, which is my gravel bike, which is the

615
00:25:58,119 --> 00:26:00,840
Speaker 2: bike that I ride to work here in our office

616
00:26:00,840 --> 00:26:03,560
Speaker 2: every single day. And then I've got the Yuba Mundo,

617
00:26:03,640 --> 00:26:06,280
Speaker 2: which is the longtail cargo bike, which honestly I'm not

618
00:26:06,400 --> 00:26:08,679
Speaker 2: riding nearly as much, which is kind of sad to

619
00:26:08,680 --> 00:26:11,040
Speaker 2: think about, but maybe I should consider selling it. But

620
00:26:11,080 --> 00:26:13,120
Speaker 2: your kids are getting older to Yeah, they're getting older

621
00:26:13,160 --> 00:26:13,359
Speaker 2: of it.

622
00:26:13,520 --> 00:26:15,360
Speaker 1: I still take mine to school, you have to. Your

623
00:26:15,400 --> 00:26:15,879
Speaker 1: school's not.

624
00:26:15,880 --> 00:26:19,080
Speaker 2: Close exactly exactly, but it's yeah, definitely worth considering because

625
00:26:19,080 --> 00:26:21,359
Speaker 2: I would love to have a road bike like Hugel,

626
00:26:21,359 --> 00:26:23,919
Speaker 2: like the gravel bike. It's just like a general all

627
00:26:23,960 --> 00:26:27,119
Speaker 2: purpose bike. Awesome for just banging around town getting to

628
00:26:27,160 --> 00:26:29,040
Speaker 2: wherever I need to go. But I would love to

629
00:26:29,200 --> 00:26:31,199
Speaker 2: consider getting like a road bike to be able to

630
00:26:31,280 --> 00:26:32,960
Speaker 2: get on the roads and just the ability to go

631
00:26:33,040 --> 00:26:35,680
Speaker 2: fast to those twenty mile rides. So I'm like, absolutely, man,

632
00:26:36,240 --> 00:26:39,119
Speaker 2: But yeah, I mean, but ultimately, Nate, I would say, like,

633
00:26:39,160 --> 00:26:41,480
Speaker 2: if you're asking this because you are curious in getting

634
00:26:41,520 --> 00:26:43,159
Speaker 2: a bike, I would say, get whatever bike that you're

635
00:26:43,200 --> 00:26:45,560
Speaker 2: going to be able to ride. And I think oftentimes

636
00:26:45,840 --> 00:26:50,240
Speaker 2: utility biking is it's basically underrated, and that is finding

637
00:26:50,280 --> 00:26:52,400
Speaker 2: ways to bike to some of the places that you're

638
00:26:52,400 --> 00:26:53,680
Speaker 2: already going to go in life.

639
00:26:53,720 --> 00:26:55,919
Speaker 1: As those hybrid bikes, by the way, are typically perfect

640
00:26:55,960 --> 00:26:57,920
Speaker 1: for a lot of people. Yeah, they're somewhere in between,

641
00:26:58,280 --> 00:27:00,240
Speaker 1: kind of like a gravel bike and a road bike. Yeah,

642
00:27:00,359 --> 00:27:02,359
Speaker 1: tires are a little bit fatter, so yeah, I think

643
00:27:02,400 --> 00:27:03,840
Speaker 1: that can be a good choice for a lot of folks.

644
00:27:03,880 --> 00:27:06,000
Speaker 2: Yeah, And honestly, just to be honest, like the type

645
00:27:06,040 --> 00:27:08,920
Speaker 2: of bike, like focusing on the gear oftentimes just gets

646
00:27:09,119 --> 00:27:11,359
Speaker 2: over It's overrated. I think the vast majority of the

647
00:27:11,400 --> 00:27:13,320
Speaker 2: kind of biking that folks are looking to do can

648
00:27:13,480 --> 00:27:16,439
Speaker 2: honestly be done on any type of bike. But that

649
00:27:16,520 --> 00:27:18,080
Speaker 2: being said, those are the kind of bikes we have.

650
00:27:18,119 --> 00:27:20,480
Speaker 1: All right, let's get to the easiest question, Matt. This

651
00:27:20,520 --> 00:27:22,640
Speaker 1: one's from James. He says, what are the three most

652
00:27:22,640 --> 00:27:25,639
Speaker 1: important decisions you made in your lifetime? And then he

653
00:27:25,680 --> 00:27:28,720
Speaker 1: says what factor questions? You say, yes, exactly what factors

654
00:27:28,760 --> 00:27:32,320
Speaker 1: went into the outcome of those decisions? And he says, timing, luck, priorities,

655
00:27:32,320 --> 00:27:35,440
Speaker 1: et cetera. So, all right, three most important decisions you made? Money?

656
00:27:35,480 --> 00:27:37,359
Speaker 1: What are they? I thought you're gonna you're gonna go.

657
00:27:37,440 --> 00:27:41,000
Speaker 1: You start, well, I mean I think who who I'm married?

658
00:27:41,200 --> 00:27:41,560
Speaker 2: Huge?

659
00:27:41,840 --> 00:27:46,440
Speaker 1: Huge? Like right, Okay, you I don't know that there's

660
00:27:46,440 --> 00:27:49,040
Speaker 1: any more important decisions I've ever made, Because you're you're

661
00:27:49,040 --> 00:27:51,159
Speaker 1: basically tying your fate in your future to someone, and

662
00:27:51,200 --> 00:27:53,040
Speaker 1: especially when you're when you're young and you get married,

663
00:27:53,320 --> 00:27:55,399
Speaker 1: like you're kind of dumb, you grow a lot, and

664
00:27:55,440 --> 00:27:58,920
Speaker 1: so you're hoping that you grow together in wisdom, in love,

665
00:27:59,359 --> 00:28:03,160
Speaker 1: and so I just feel really fortunate to have been

666
00:28:03,200 --> 00:28:04,399
Speaker 1: married to the right person.

667
00:28:04,280 --> 00:28:07,840
Speaker 2: And just the ability that hopefully your partner can provide you,

668
00:28:08,200 --> 00:28:10,040
Speaker 2: the balance that they can provide you. Well, like I

669
00:28:10,040 --> 00:28:12,159
Speaker 2: would be such a worse human being if I had

670
00:28:12,280 --> 00:28:14,919
Speaker 2: married Kate, and you're already pretty bad, Like could you

671
00:28:15,000 --> 00:28:18,480
Speaker 2: imagine exactly? Like could you imagine? I just can so, I, yeah,

672
00:28:18,480 --> 00:28:20,119
Speaker 2: that was totally my first one as well. I'm curious

673
00:28:20,119 --> 00:28:23,240
Speaker 2: to see if our top three decisions mirror each other.

674
00:28:23,240 --> 00:28:26,120
Speaker 1: Having kids number two, it's been massively formation I left,

675
00:28:26,200 --> 00:28:28,880
Speaker 1: I left the kids, Okay, I think it's been it's

676
00:28:28,920 --> 00:28:31,600
Speaker 1: been huge for me that that just well, it's brought

677
00:28:31,600 --> 00:28:34,320
Speaker 1: a lot of joy to my life having kiddos, and

678
00:28:34,400 --> 00:28:36,280
Speaker 1: it's also made me grow up in a way the

679
00:28:36,280 --> 00:28:38,320
Speaker 1: ways that I otherwise would not have. So I think

680
00:28:38,360 --> 00:28:41,080
Speaker 1: the ways in which, yeah, you talked about your wife

681
00:28:41,120 --> 00:28:43,400
Speaker 1: being formational of mine too, but my kids performed me

682
00:28:43,560 --> 00:28:46,120
Speaker 1: in major ways as well. And then faith faith, But

683
00:28:46,160 --> 00:28:48,000
Speaker 1: I kind of think of faith as like this, uh,

684
00:28:48,520 --> 00:28:51,920
Speaker 1: continual decision that I have to make in a in

685
00:28:51,920 --> 00:28:55,080
Speaker 1: a similar direction what Eugene Peterson, a theologian, calls a

686
00:28:55,120 --> 00:28:57,280
Speaker 1: long obedience in the same direction, I kind of think

687
00:28:57,320 --> 00:29:00,320
Speaker 1: of that my faith as that. So it's hard to

688
00:29:00,320 --> 00:29:02,360
Speaker 1: boil down the three most important decisions of your life

689
00:29:02,400 --> 00:29:05,080
Speaker 1: in like thirty seconds or less. But that's what I

690
00:29:05,120 --> 00:29:05,880
Speaker 1: would tell James.

691
00:29:05,720 --> 00:29:07,560
Speaker 2: Yeah, because would say that both of those last two

692
00:29:07,600 --> 00:29:09,479
Speaker 2: are also very important to me. But I did not

693
00:29:09,520 --> 00:29:10,880
Speaker 2: include kids or faith.

694
00:29:11,760 --> 00:29:11,840
Speaker 3: Like.

695
00:29:11,960 --> 00:29:14,440
Speaker 2: So my second decision I put down was choosing to

696
00:29:14,480 --> 00:29:20,160
Speaker 2: work for myself because the just the entrepreneurship spirit that

697
00:29:20,360 --> 00:29:22,400
Speaker 2: instilled within me. I mean, I know I had a

698
00:29:22,440 --> 00:29:25,960
Speaker 2: degree of that, but just actually doing that and getting

699
00:29:26,000 --> 00:29:29,800
Speaker 2: a taste for that freedom where nobody's necessarily setting my

700
00:29:29,880 --> 00:29:32,200
Speaker 2: schedule for me. It's me, or in this case it

701
00:29:32,200 --> 00:29:34,720
Speaker 2: was Kate and I we were working together. Just the

702
00:29:34,760 --> 00:29:37,720
Speaker 2: ability that we had, the freedom and the flexibility and

703
00:29:38,040 --> 00:29:40,600
Speaker 2: the autonomy that we had during the I mean it

704
00:29:40,640 --> 00:29:43,320
Speaker 2: was a decade plus that we had being able to

705
00:29:43,400 --> 00:29:45,960
Speaker 2: live the life that we wanted to live was incredible.

706
00:29:46,360 --> 00:29:48,320
Speaker 2: And there were times when I considered going back to

707
00:29:48,840 --> 00:29:50,840
Speaker 2: like a more of a corporate nine to five kind

708
00:29:50,880 --> 00:29:53,360
Speaker 2: of job, and every single time we considered it, we

709
00:29:53,560 --> 00:29:55,560
Speaker 2: quickly came to the realization that there's no way that

710
00:29:55,600 --> 00:29:57,160
Speaker 2: we can do this. Like once you have a taste

711
00:29:57,280 --> 00:29:59,720
Speaker 2: of you know what you and I would now call

712
00:30:00,360 --> 00:30:02,600
Speaker 2: call I don't want to say that it's like good life,

713
00:30:02,640 --> 00:30:06,040
Speaker 2: but the entrepreneurship life, well, we basically hard to go

714
00:30:06,080 --> 00:30:09,920
Speaker 2: back become unemployable because we're so addicted to the kind

715
00:30:09,960 --> 00:30:12,920
Speaker 2: of lifestyle where for me being able to do that

716
00:30:13,120 --> 00:30:16,480
Speaker 2: was largely it was largely being in creative control, so

717
00:30:16,520 --> 00:30:20,000
Speaker 2: in control most important, but just not not being subject

718
00:30:20,000 --> 00:30:21,719
Speaker 2: to someone like we want to go in this direction,

719
00:30:21,800 --> 00:30:23,360
Speaker 2: and if I don't think that that's the right direction

720
00:30:23,400 --> 00:30:25,200
Speaker 2: to go in, I don't have any say if I'm

721
00:30:25,240 --> 00:30:27,440
Speaker 2: employed by by someone else, a giant machine, by a

722
00:30:27,440 --> 00:30:28,200
Speaker 2: big cog when.

723
00:30:28,160 --> 00:30:29,960
Speaker 1: Is our thing. It's just like you and I have

724
00:30:30,000 --> 00:30:31,800
Speaker 1: to sign off on it, which yeah, I think is.

725
00:30:31,760 --> 00:30:34,000
Speaker 2: Great, But sometimes we have to flip a flip a

726
00:30:34,000 --> 00:30:36,560
Speaker 2: coin if it's fifty to fifty though, So my last one,

727
00:30:36,600 --> 00:30:38,560
Speaker 2: I'm going to really lay the guilt on you with

728
00:30:38,640 --> 00:30:40,000
Speaker 2: this one, Joel, is.

729
00:30:40,160 --> 00:30:43,560
Speaker 1: You buddy, Joel? So not only just I did it

730
00:30:43,600 --> 00:30:44,160
Speaker 1: crossed my mind.

731
00:30:44,960 --> 00:30:48,800
Speaker 2: I thought about it, not only like obviously we had

732
00:30:48,880 --> 00:30:51,720
Speaker 2: years and years of friendship and just you know, the

733
00:30:51,760 --> 00:30:54,320
Speaker 2: good memories, the awesome years of not only like you

734
00:30:54,400 --> 00:30:58,280
Speaker 2: and me, but Kate and Emily traveling together, camping, holding

735
00:30:58,280 --> 00:30:59,280
Speaker 2: each other's first babies.

736
00:30:59,400 --> 00:31:01,640
Speaker 1: Like the problem is it says decision that you made, and.

737
00:31:01,640 --> 00:31:04,520
Speaker 2: Well, I chose you, choosing to be friends. And so

738
00:31:04,560 --> 00:31:07,320
Speaker 2: there's like this whole personal side of our friendship. But

739
00:31:07,400 --> 00:31:09,200
Speaker 2: then you can also even sort of isolate it to

740
00:31:09,480 --> 00:31:12,280
Speaker 2: financial because even before we started the company, before we

741
00:31:12,280 --> 00:31:14,440
Speaker 2: started how to Money, we were still we were challenging

742
00:31:14,440 --> 00:31:17,320
Speaker 2: each other from a financial standpoint, right, Like we were saying, oh,

743
00:31:17,440 --> 00:31:19,520
Speaker 2: what are you thinking about about doing here? What do

744
00:31:19,520 --> 00:31:21,000
Speaker 2: you think about doing with your tax refund?

745
00:31:21,280 --> 00:31:22,240
Speaker 1: And in some.

746
00:31:22,120 --> 00:31:23,720
Speaker 2: Circles it would be there would be a lot of

747
00:31:23,760 --> 00:31:26,440
Speaker 2: talk about spending that in ways that would basically just

748
00:31:26,520 --> 00:31:27,600
Speaker 2: lead to consumption going.

749
00:31:27,480 --> 00:31:29,680
Speaker 3: To the Bahamas, But we were just talking about ways

750
00:31:29,720 --> 00:31:32,040
Speaker 3: to be smart with that money, remote ways to invest

751
00:31:32,120 --> 00:31:35,200
Speaker 3: that money, and and so there, like I know, before

752
00:31:35,240 --> 00:31:37,640
Speaker 3: we started how to Money, we were I can say

753
00:31:37,640 --> 00:31:39,480
Speaker 3: that I know we were in a better financial spot

754
00:31:39,520 --> 00:31:41,760
Speaker 3: because of our relationship with you and Emily. But then

755
00:31:41,760 --> 00:31:43,840
Speaker 3: you add how to money or originally poor, not poor,

756
00:31:43,880 --> 00:31:45,800
Speaker 3: you add that to the mix, and just the ability

757
00:31:45,800 --> 00:31:48,640
Speaker 3: for that just to add even more fuel to the fire,

758
00:31:48,800 --> 00:31:51,280
Speaker 3: the ability for us obviously to work together and spend

759
00:31:51,760 --> 00:31:55,920
Speaker 3: inordinate incredible amounts of time together. But then also too,

760
00:31:56,000 --> 00:31:58,360
Speaker 3: obviously the business how to money, it's been profitable. It's

761
00:31:58,360 --> 00:32:01,320
Speaker 3: something that we've been able to now do for full

762
00:32:01,360 --> 00:32:02,440
Speaker 3: time for a couple of years.

763
00:32:02,680 --> 00:32:03,440
Speaker 1: It is incredible.

764
00:32:03,560 --> 00:32:05,600
Speaker 2: So when I think about, I guess the most recent years,

765
00:32:05,640 --> 00:32:07,560
Speaker 2: I'm like, man, that was a big stinking deal, big

766
00:32:07,600 --> 00:32:09,680
Speaker 2: carry deal. And then had we not met, like, you know,

767
00:32:09,880 --> 00:32:11,240
Speaker 2: twelve years ago whatever.

768
00:32:11,400 --> 00:32:13,520
Speaker 1: And think about the things that we've done together, just

769
00:32:13,600 --> 00:32:16,320
Speaker 1: little things, but also big things like moving our families

770
00:32:16,560 --> 00:32:19,040
Speaker 1: at the same time. Man. So yeah, and when you

771
00:32:19,080 --> 00:32:20,520
Speaker 1: find I think that's one of the things, dude, it's

772
00:32:20,520 --> 00:32:23,960
Speaker 1: all my fault. No, it's been. It's been a lovely

773
00:32:24,040 --> 00:32:26,000
Speaker 1: thing for I think both of our families. But that's

774
00:32:26,040 --> 00:32:30,240
Speaker 1: one of those things too. I think we we undervalue deep,

775
00:32:30,280 --> 00:32:32,400
Speaker 1: meaningful friendship in our society. And we talked about the

776
00:32:32,400 --> 00:32:35,520
Speaker 1: stats not too long ago, but people have fewer friends

777
00:32:35,560 --> 00:32:37,200
Speaker 1: than they used to have, fewer deep friends that they

778
00:32:37,200 --> 00:32:39,040
Speaker 1: can count on. And so when you have those friends,

779
00:32:39,280 --> 00:32:41,920
Speaker 1: man nurture those friendships because they're going to take you places,

780
00:32:41,920 --> 00:32:44,560
Speaker 1: they're going to encourage you, especially especially all the men

781
00:32:44,600 --> 00:32:47,360
Speaker 1: out there. Yeah, for sure, Yeah enough friends. And James

782
00:32:47,400 --> 00:32:49,840
Speaker 1: mentioned timing, luck and priorities. I don't. Yeah. I think

783
00:32:49,880 --> 00:32:51,560
Speaker 1: there's that question at the end of every It depends

784
00:32:51,600 --> 00:32:53,600
Speaker 1: on how I built this about whether it was luck

785
00:32:53,680 --> 00:32:56,000
Speaker 1: or skill, right, And I think that's a really hard

786
00:32:56,040 --> 00:32:58,600
Speaker 1: question to answer. I think there's both, right, there's a

787
00:32:58,640 --> 00:33:01,840
Speaker 1: lot of intentionality, there's a lot of good fortune. I

788
00:33:01,840 --> 00:33:03,960
Speaker 1: think our parents have played a massive role in the

789
00:33:03,960 --> 00:33:06,320
Speaker 1: people that we are, our lives have as well, So

790
00:33:06,360 --> 00:33:08,960
Speaker 1: everything all together, it's a big old cauldron that's that's

791
00:33:08,960 --> 00:33:10,840
Speaker 1: stirring and a bunch of things thrown in, and so

792
00:33:10,920 --> 00:33:13,560
Speaker 1: we feel really fortunate. We also try to work hard

793
00:33:13,600 --> 00:33:16,960
Speaker 1: to live up to our standards, right that we have

794
00:33:17,440 --> 00:33:22,560
Speaker 1: for this show, but for our families, for our broader goals.

795
00:33:22,640 --> 00:33:25,000
Speaker 2: Yeah, I would say it's not like fifty percent luck,

796
00:33:25,160 --> 00:33:28,080
Speaker 2: fifty percent hard work or discipline, whatever. It's like one

797
00:33:28,120 --> 00:33:30,640
Speaker 2: hundred percent of everything. It's it's everything, it's all of

798
00:33:30,680 --> 00:33:32,920
Speaker 2: it combined together in order to get us to work off.

799
00:33:32,920 --> 00:33:37,719
Speaker 2: The MathWorks on that, but percent plus one hundercenterc Paul, Now,

800
00:33:37,720 --> 00:33:40,160
Speaker 2: are you starting to sound like a football coach? That's

801
00:33:40,240 --> 00:33:42,880
Speaker 2: kind of what it feels like, Paul said, tell us

802
00:33:42,880 --> 00:33:45,080
Speaker 2: more about your long term fitness goals, Joel, Do you

803
00:33:45,080 --> 00:33:45,440
Speaker 2: have any?

804
00:33:45,800 --> 00:33:48,160
Speaker 1: Not really? Honestly, it's funny we did the CrossFit Your

805
00:33:48,160 --> 00:33:49,960
Speaker 1: Finances episode and when I was thinking about this question,

806
00:33:50,000 --> 00:33:53,120
Speaker 1: I was like, my main thing is to be consistent, right, Yeah,

807
00:33:53,160 --> 00:33:55,600
Speaker 1: My main thing is to slowly gain strength, is to

808
00:33:55,960 --> 00:33:57,640
Speaker 1: get a little more fit. But I don't have any

809
00:33:57,640 --> 00:33:59,920
Speaker 1: major thing. I'm talking with my brother in law about

810
00:34:00,160 --> 00:34:03,200
Speaker 1: doing an abbreviated iron Man like this this like it's

811
00:34:03,240 --> 00:34:06,280
Speaker 1: basically like a sprint try exactly. So it's like a

812
00:34:06,320 --> 00:34:09,320
Speaker 1: five k and like seven hundred yards swim and fourteen

813
00:34:09,360 --> 00:34:11,439
Speaker 1: mile bike ride. Like that's something I can do. Maybe

814
00:34:11,440 --> 00:34:14,040
Speaker 1: that's a goal worth striving for doing that in the spring,

815
00:34:14,400 --> 00:34:16,960
Speaker 1: But no, my ultimate I don't have any long term

816
00:34:16,960 --> 00:34:19,319
Speaker 1: fitness goals. It's just to be consistent because for all

817
00:34:19,360 --> 00:34:21,600
Speaker 1: of my life, I've never really worked out, and I've

818
00:34:21,600 --> 00:34:24,759
Speaker 1: been fairly consistent here for like four months, and so

819
00:34:24,760 --> 00:34:25,640
Speaker 1: I just want to keep that going.

820
00:34:25,800 --> 00:34:28,040
Speaker 2: Yeah, yeah, same here it's I don't have like these.

821
00:34:28,120 --> 00:34:29,640
Speaker 2: I mean, I want to be stronger, I want to

822
00:34:29,680 --> 00:34:31,760
Speaker 2: be like my ultimate goal is just to be healthy.

823
00:34:31,840 --> 00:34:34,360
Speaker 2: I mean, the whole point is to have a functioning

824
00:34:34,400 --> 00:34:38,200
Speaker 2: body that is able to allow me to do the

825
00:34:38,239 --> 00:34:40,439
Speaker 2: things I want to do in life. Right, I think

826
00:34:40,440 --> 00:34:44,279
Speaker 2: that's where like a focus on fitness and health can

827
00:34:44,400 --> 00:34:48,160
Speaker 2: eclipse the other goals, like what I would would argue

828
00:34:48,280 --> 00:34:50,600
Speaker 2: might be the more important things in life. Right in

829
00:34:50,640 --> 00:34:53,920
Speaker 2: this way, like health and fitness, it's like a exercising

830
00:34:54,000 --> 00:34:56,040
Speaker 2: It's a means to an end, in my mind, is

831
00:34:56,080 --> 00:34:58,280
Speaker 2: not the end in and of itself. Like it's certainly

832
00:34:58,320 --> 00:35:01,400
Speaker 2: fun and it's certainly something I and I understand that

833
00:35:01,400 --> 00:35:03,399
Speaker 2: there's a lot of folks who who even make their

834
00:35:03,440 --> 00:35:07,680
Speaker 2: living by coaching or being an instructor or a trainer

835
00:35:07,719 --> 00:35:09,400
Speaker 2: that kind of thing. But for me, I think for

836
00:35:09,440 --> 00:35:12,040
Speaker 2: the common person, I think it's helpful to think about

837
00:35:12,040 --> 00:35:14,160
Speaker 2: it as a means to an end rather than the

838
00:35:14,200 --> 00:35:15,080
Speaker 2: thing in and of itself.

839
00:35:15,120 --> 00:35:18,200
Speaker 1: Same thing with a massing money, right, it's money is

840
00:35:18,239 --> 00:35:19,920
Speaker 1: the tool. And if your goal is to mass tons

841
00:35:19,960 --> 00:35:22,160
Speaker 1: of money, like I don't have a goal to like

842
00:35:23,560 --> 00:35:26,600
Speaker 1: bench press four hundred and fifty pounds. That's just not

843
00:35:27,520 --> 00:35:29,680
Speaker 1: something I care about. And I think it's fine. If

844
00:35:29,680 --> 00:35:31,680
Speaker 1: that's kind of the metric that you use, that's fine,

845
00:35:32,040 --> 00:35:33,759
Speaker 1: and I think it's I think it's more harmful in

846
00:35:33,880 --> 00:35:36,200
Speaker 1: terms of money when I think your focus can be

847
00:35:36,800 --> 00:35:38,960
Speaker 1: so much on a massing more and more that you

848
00:35:38,960 --> 00:35:41,080
Speaker 1: forget that it's a tool to accomplish the things that matter,

849
00:35:41,280 --> 00:35:43,680
Speaker 1: to partake in your craft, your equivalent, and build wealth

850
00:35:43,800 --> 00:35:45,680
Speaker 1: so that you can so that you can amass freedom,

851
00:35:45,960 --> 00:35:48,400
Speaker 1: and then also find ways to give that money away

852
00:35:48,800 --> 00:35:51,600
Speaker 1: to the benefit of other people. But mat, let's get

853
00:35:51,680 --> 00:35:53,680
Speaker 1: next question. This one comes from Tiana. She says, if

854
00:35:53,680 --> 00:35:55,520
Speaker 1: you were a first time home buyer in Atlanta, what

855
00:35:55,680 --> 00:35:57,600
Speaker 1: areas would you recommend. I think we can be brief

856
00:35:57,600 --> 00:35:59,920
Speaker 1: on this one, but sure, we love we love it.

857
00:36:00,520 --> 00:36:02,440
Speaker 1: We just moved just north of the city, but we

858
00:36:02,480 --> 00:36:04,040
Speaker 1: still think it's one of the greatest cities. And actually

859
00:36:04,080 --> 00:36:06,200
Speaker 1: I think it was Money Magazine said Atlanta's number one,

860
00:36:06,719 --> 00:36:09,600
Speaker 1: the best city in the country, and Atlanta's got it

861
00:36:09,640 --> 00:36:12,080
Speaker 1: going on. I'm not going to disagree that our fair

862
00:36:12,160 --> 00:36:14,520
Speaker 1: city was Ranke number thirty five where we moved to.

863
00:36:14,600 --> 00:36:17,120
Speaker 1: Actually interestingly enough, but I would say Capitol View and

864
00:36:17,200 --> 00:36:19,520
Speaker 1: East Point. Oh yeah, those are the two neighborhoods I

865
00:36:19,520 --> 00:36:21,560
Speaker 1: would say, look there because I think they have long

866
00:36:21,640 --> 00:36:22,280
Speaker 1: term potential.

867
00:36:22,880 --> 00:36:25,000
Speaker 2: I thought you'd have more specific neighborhoods. I feel like

868
00:36:25,040 --> 00:36:26,520
Speaker 2: you like you have your ear to the ground more

869
00:36:26,560 --> 00:36:29,360
Speaker 2: when it comes to like newer up and coming neighborhoods.

870
00:36:29,360 --> 00:36:30,719
Speaker 2: I thought I was gonna say those, and I thought

871
00:36:30,760 --> 00:36:32,040
Speaker 2: you were going to be like, oh, those are those

872
00:36:32,040 --> 00:36:34,960
Speaker 2: are yesterday's neighborhood. But no, I still really like those.

873
00:36:35,040 --> 00:36:36,319
Speaker 1: But yeah, no, I agree with I think that Tri

874
00:36:36,400 --> 00:36:40,120
Speaker 1: City area, that Hateville, College Park, East Point, like all

875
00:36:40,160 --> 00:36:42,799
Speaker 1: those are great towns. So stuff going on south of town.

876
00:36:43,000 --> 00:36:46,120
Speaker 1: And I think later on in the Facebook post she

877
00:36:46,200 --> 00:36:48,360
Speaker 1: mentioned her budget. I think she said four hundred and

878
00:36:48,400 --> 00:36:50,160
Speaker 1: twenty five thousand, and there are other neighborhoods that we

879
00:36:50,200 --> 00:36:52,040
Speaker 1: could recommend, just depends on the size of the house

880
00:36:52,040 --> 00:36:55,120
Speaker 1: and stuff. Like we could say, oh, inmin Park's great.

881
00:36:55,320 --> 00:36:57,760
Speaker 1: Inmend Park is a great neighborhood, but it's also really

882
00:36:57,800 --> 00:37:00,759
Speaker 1: really expensive. So if you're talking about living somewhere that

883
00:37:01,000 --> 00:37:04,920
Speaker 1: is like is cool in town living, but that doesn't

884
00:37:04,960 --> 00:37:08,160
Speaker 1: cost a ridiculous amount of money. The couple of neighborhoods

885
00:37:08,160 --> 00:37:10,680
Speaker 1: I would consider truly are probably Capital View in each Point.

886
00:37:10,680 --> 00:37:13,839
Speaker 2: Yep Sylvan Hills that's near their near Capitol View, kind

887
00:37:13,880 --> 00:37:16,600
Speaker 2: of that Purkoson Park area. But I mean generally speaking,

888
00:37:16,600 --> 00:37:18,920
Speaker 2: and focus on neighborhoods too, like, don't just look at

889
00:37:19,120 --> 00:37:21,560
Speaker 2: the financials, but look at the infrastructure, look at what

890
00:37:21,680 --> 00:37:25,000
Speaker 2: they what those communities have that you're looking for when

891
00:37:25,000 --> 00:37:26,640
Speaker 2: it comes to to where it is that you want

892
00:37:26,640 --> 00:37:28,560
Speaker 2: to live, but find you know, the ability to find

893
00:37:28,880 --> 00:37:31,480
Speaker 2: a community, a neighborhood that feels like it's got some

894
00:37:31,960 --> 00:37:35,240
Speaker 2: runway ahead of it, where you do see it improving. Yeah,

895
00:37:35,320 --> 00:37:37,000
Speaker 2: and they're just waiting on those folks to show up

896
00:37:37,040 --> 00:37:40,000
Speaker 2: and invest some of that time and energy into making

897
00:37:40,040 --> 00:37:42,680
Speaker 2: those neighborhoods and making those communities into what it is

898
00:37:42,800 --> 00:37:44,279
Speaker 2: that you and and other folks who are moving in

899
00:37:44,360 --> 00:37:45,040
Speaker 2: what you're looking for.

900
00:37:45,080 --> 00:37:46,879
Speaker 1: And I think when you see a sense of neighborhood pride,

901
00:37:46,880 --> 00:37:49,520
Speaker 1: stuff like community gardens when I'm driving around, those kind

902
00:37:49,560 --> 00:37:52,080
Speaker 1: of things strike me as like, wait a second, even

903
00:37:52,120 --> 00:37:55,480
Speaker 1: though maybe this community hasn't been as loved or hasn't

904
00:37:55,520 --> 00:38:00,440
Speaker 1: had the same infrastructure like input from city developers over years,

905
00:38:00,719 --> 00:38:02,719
Speaker 1: there's something happening here, and I think Capitol of You

906
00:38:02,840 --> 00:38:04,920
Speaker 1: is one of those places where and we've already seen like,

907
00:38:05,080 --> 00:38:07,000
Speaker 1: oh yeah, a lot happened there in the past. So

908
00:38:07,239 --> 00:38:09,000
Speaker 1: you and I bought our first property.

909
00:38:09,120 --> 00:38:10,560
Speaker 2: Yeah, but then with the East Point, Like, what's great

910
00:38:10,560 --> 00:38:12,320
Speaker 2: about East Point is it's on the Martyr Line and

911
00:38:12,360 --> 00:38:16,480
Speaker 2: so you've got that direct public transit, that direct connection

912
00:38:16,600 --> 00:38:18,680
Speaker 2: to the city, and so that's something that.

913
00:38:18,640 --> 00:38:21,960
Speaker 1: You don't want to overlook as well. Let's keep moving.

914
00:38:22,080 --> 00:38:24,520
Speaker 2: Joel Kyle says, when naming your kids, did either of

915
00:38:24,560 --> 00:38:27,000
Speaker 2: you have a name that you really wanted but your

916
00:38:27,040 --> 00:38:28,120
Speaker 2: wife vetoed?

917
00:38:28,560 --> 00:38:31,960
Speaker 1: Did you that happened with y'all? Well, just the middle

918
00:38:32,000 --> 00:38:34,919
Speaker 1: name for Ezra, I really wanted. My dad's middle name

919
00:38:35,080 --> 00:38:37,880
Speaker 1: is Luther. My grandpa was a Lutheran minister, and so

920
00:38:38,000 --> 00:38:39,799
Speaker 1: I wanted Ezra's middle name to be Luther. And then

921
00:38:40,080 --> 00:38:43,319
Speaker 1: tell you that I don't really like that, So now

922
00:38:43,480 --> 00:38:46,439
Speaker 1: went he has my middle name in my dad's first name, which, yeah,

923
00:38:46,520 --> 00:38:48,800
Speaker 1: so it's Ezra David. But I got you. And I

924
00:38:48,840 --> 00:38:50,560
Speaker 1: do remember showing up to the hospital to meet your

925
00:38:50,719 --> 00:38:53,560
Speaker 1: second daughter and she was named something different than she

926
00:38:53,640 --> 00:38:54,200
Speaker 1: is today.

927
00:38:54,480 --> 00:38:57,279
Speaker 2: Well, we had named her, but the more we used

928
00:38:57,320 --> 00:38:59,240
Speaker 2: her name there in the hospital, the more we realized

929
00:38:59,360 --> 00:39:01,040
Speaker 2: this isn't her name. I don't know what it was,

930
00:39:01,080 --> 00:39:02,880
Speaker 2: but it just didn't flow off the tongue like we

931
00:39:02,880 --> 00:39:04,600
Speaker 2: were expecting, and so we literally.

932
00:39:04,840 --> 00:39:05,800
Speaker 1: We called him Audible.

933
00:39:06,080 --> 00:39:08,160
Speaker 2: And we'd already told our parents and everything, but then

934
00:39:08,200 --> 00:39:10,120
Speaker 2: when they showed up in the hospital, we told her.

935
00:39:10,160 --> 00:39:12,239
Speaker 2: We told them her new name, and they thought we

936
00:39:12,239 --> 00:39:17,600
Speaker 2: were joking. But I am specifically thinking of Kyle, our

937
00:39:17,640 --> 00:39:22,120
Speaker 2: third daughter. I wanted to name Savannah because I've got

938
00:39:22,120 --> 00:39:26,320
Speaker 2: this thing for girls that have boy sounding names, like Andy,

939
00:39:26,600 --> 00:39:30,000
Speaker 2: what's another one. There's a bunch of names out there

940
00:39:30,040 --> 00:39:32,719
Speaker 2: that are traditionally considered boy names, but they can also

941
00:39:32,760 --> 00:39:36,360
Speaker 2: be Taylor, Taylor, And so with Savannah, the idea was

942
00:39:36,400 --> 00:39:38,080
Speaker 2: that we would name her Savannah, but I wanted to

943
00:39:38,080 --> 00:39:41,320
Speaker 2: call her Van, which I thought was going to be

944
00:39:41,360 --> 00:39:44,520
Speaker 2: the coolest thing ever. Kate disagreed. She just couldn't get

945
00:39:44,520 --> 00:39:47,360
Speaker 2: behind naming her like the super southern sounding name Savannah.

946
00:39:47,400 --> 00:39:51,640
Speaker 1: Well, Van is the leading lady in Atlanta. Zazzi beats

947
00:39:51,640 --> 00:39:54,480
Speaker 1: his character's name, which still in one of my all

948
00:39:54,520 --> 00:39:57,200
Speaker 1: time favor shows. All Right, what's a hobby, Matt, You

949
00:39:57,680 --> 00:39:58,960
Speaker 1: aren't into, but you wish you.

950
00:39:58,880 --> 00:40:01,440
Speaker 2: Were go back to going back to homebrewing. I kind

951
00:40:01,440 --> 00:40:01,960
Speaker 2: of wish I was in.

952
00:40:02,000 --> 00:40:04,840
Speaker 1: That was also one from Kyle by the way, Yeah, yeah.

953
00:40:04,360 --> 00:40:07,320
Speaker 2: Like if I was a master homebrewer again, the ability

954
00:40:07,360 --> 00:40:10,000
Speaker 2: to have some amazing beer on hand. I wish I

955
00:40:10,000 --> 00:40:11,719
Speaker 2: was into smoking meat. That's not that's something that you've

956
00:40:11,800 --> 00:40:14,080
Speaker 2: kind of gotten into. And I feel like I'm slowly

957
00:40:14,719 --> 00:40:16,600
Speaker 2: testing the waters a little bit, getting the feel for

958
00:40:16,760 --> 00:40:18,719
Speaker 2: But it's not something I do at all right now.

959
00:40:18,800 --> 00:40:19,839
Speaker 2: But I kind of wish I did.

960
00:40:19,760 --> 00:40:21,520
Speaker 1: All right. I wish I read more. I wish I

961
00:40:21,560 --> 00:40:23,759
Speaker 1: read books more. I read a lot of here, I

962
00:40:23,800 --> 00:40:25,239
Speaker 1: read a lot for the show. I read a lot

963
00:40:25,320 --> 00:40:28,080
Speaker 1: during my nine to five. I wish I wasn't so

964
00:40:28,239 --> 00:40:30,400
Speaker 1: dang tired at night that I could stay up and

965
00:40:30,440 --> 00:40:34,080
Speaker 1: read more books. Also, pickleball, everybody's into it. I kind

966
00:40:34,080 --> 00:40:35,200
Speaker 1: of want to get into it too. I want to

967
00:40:35,239 --> 00:40:36,839
Speaker 1: join the bandwagon. I'm not gonna lie. Have you ever

968
00:40:36,880 --> 00:40:39,080
Speaker 1: played I have not. No. I played it one time

969
00:40:40,160 --> 00:40:42,000
Speaker 1: else and I had a blast, like it was one

970
00:40:42,040 --> 00:40:43,920
Speaker 1: of the most fun things I've ever done, So I

971
00:40:43,960 --> 00:40:46,160
Speaker 1: would I would totally do pickleball. Well.

972
00:40:46,160 --> 00:40:48,400
Speaker 2: On a related note, what are some of the best

973
00:40:48,440 --> 00:40:50,680
Speaker 2: non financial books that you've read?

974
00:40:50,680 --> 00:40:53,480
Speaker 1: This is another one from Kyle. Anything by John Steinbeck

975
00:40:53,600 --> 00:40:56,719
Speaker 1: and Anything and Everything by John steinbas He is my

976
00:40:56,800 --> 00:40:59,200
Speaker 1: number one favorite book of all time. I also like

977
00:40:59,239 --> 00:41:03,120
Speaker 1: books on more so When Breath Becomes Air and Being Mortal.

978
00:41:03,640 --> 00:41:05,640
Speaker 1: Those are two of my favorite books. An't so those

979
00:41:05,640 --> 00:41:06,000
Speaker 1: are good.

980
00:41:07,080 --> 00:41:09,600
Speaker 2: I like one that stands up my mind, The Coddling

981
00:41:09,600 --> 00:41:13,359
Speaker 2: of the American Mind by Greg Lukianov and Jonathan Height.

982
00:41:14,200 --> 00:41:15,759
Speaker 2: It's such a good book I would and I would

983
00:41:15,760 --> 00:41:18,279
Speaker 2: recommend recommend it for multiple reasons. One, it kind of

984
00:41:18,320 --> 00:41:22,120
Speaker 2: explains like the polarized culture that we're in today. I

985
00:41:22,160 --> 00:41:24,480
Speaker 2: think it explains a lot of how we arrived at

986
00:41:24,480 --> 00:41:26,920
Speaker 2: that point. But then also for parents out there, as

987
00:41:26,960 --> 00:41:32,840
Speaker 2: you are looking to raise resilient, adaptable, smart, functional children

988
00:41:32,960 --> 00:41:35,160
Speaker 2: in this world, they spend a lot of time talking

989
00:41:35,200 --> 00:41:38,400
Speaker 2: about like fragility and what it means to be anti

990
00:41:38,520 --> 00:41:40,680
Speaker 2: fragile and what it means to be like a kid

991
00:41:40,719 --> 00:41:42,920
Speaker 2: that can be just resilient in the world today.

992
00:41:42,920 --> 00:41:43,759
Speaker 1: And so yeah, just.

993
00:41:43,680 --> 00:41:46,520
Speaker 2: From a just from a social commentary, and it's back

994
00:41:46,600 --> 00:41:48,880
Speaker 2: by research as well, but it's interesting from that angle,

995
00:41:48,880 --> 00:41:51,120
Speaker 2: but also from a from a parenting angle as well.

996
00:41:51,120 --> 00:41:52,319
Speaker 2: I would I would recommend that one.

997
00:41:52,440 --> 00:41:55,160
Speaker 1: Nice. Yeah, no, I like that. I like Jonathan hight

998
00:41:55,280 --> 00:41:58,480
Speaker 1: Is one of the social psychologists doing great work. Smart

999
00:41:58,520 --> 00:42:00,960
Speaker 1: smart dude, all right is he says, does the daily

1000
00:42:01,160 --> 00:42:03,960
Speaker 1: stress of life go away when you are financially stable?

1001
00:42:04,120 --> 00:42:07,359
Speaker 1: What you think? No, No, No, I don't think it does.

1002
00:42:08,080 --> 00:42:09,800
Speaker 1: I think there's still a lot of things to stress

1003
00:42:09,800 --> 00:42:12,879
Speaker 1: you out in life, especially as a dad with kids

1004
00:42:12,880 --> 00:42:14,960
Speaker 1: who are going through a bunch of stuff. But I

1005
00:42:15,000 --> 00:42:19,480
Speaker 1: will say to not have money as a stressor in addition,

1006
00:42:19,480 --> 00:42:21,600
Speaker 1: and it's not that we don't stress about money at all, right,

1007
00:42:21,840 --> 00:42:24,680
Speaker 1: but to have it largely off the table as something

1008
00:42:24,680 --> 00:42:29,120
Speaker 1: that creates arguments or something we have to worry about frequently. Yeah, No,

1009
00:42:29,200 --> 00:42:31,800
Speaker 1: it dials down the temperature of a lot of things

1010
00:42:31,880 --> 00:42:34,040
Speaker 1: that we have to discuss. And so I think it's

1011
00:42:34,040 --> 00:42:38,040
Speaker 1: really important to strive after a certain amount of financial independence,

1012
00:42:38,080 --> 00:42:41,560
Speaker 1: of more peace hot money, of just more margin in

1013
00:42:41,600 --> 00:42:43,920
Speaker 1: your life, because I do think yes it will. It

1014
00:42:43,960 --> 00:42:47,279
Speaker 1: can make your relationships better, and it can mean that

1015
00:42:47,320 --> 00:42:50,320
Speaker 1: there's less money becomes less of a source of constant friction.

1016
00:42:50,480 --> 00:42:52,880
Speaker 2: Yeah, it just depends on how many other daily stresses

1017
00:42:52,920 --> 00:42:54,839
Speaker 2: you have. If all of your daily stress comes down

1018
00:42:54,840 --> 00:42:58,200
Speaker 2: to financial anxieties that you might have, then yeah, having

1019
00:42:58,360 --> 00:43:01,240
Speaker 2: some financial margin, having that what you say, and she said, financial.

1020
00:43:00,840 --> 00:43:03,920
Speaker 1: Stability, that would absolutely help, right, Like to not.

1021
00:43:04,080 --> 00:43:06,600
Speaker 2: Have to worry about whether or not you're going to

1022
00:43:06,680 --> 00:43:08,520
Speaker 2: have your power cut off or the water turned off

1023
00:43:08,560 --> 00:43:12,040
Speaker 2: like that kind of thing. Oh my gosh. I oh, yes,

1024
00:43:12,680 --> 00:43:14,560
Speaker 2: to be able to have some financial margin to where

1025
00:43:14,640 --> 00:43:18,480
Speaker 2: you can remove those worries from your plate, that is priceless.

1026
00:43:18,800 --> 00:43:20,799
Speaker 2: But at the same so on one hand, I would

1027
00:43:20,840 --> 00:43:23,040
Speaker 2: say yes, but on the other hand, I would say no,

1028
00:43:23,120 --> 00:43:25,440
Speaker 2: because it depends on what you then do with that

1029
00:43:25,480 --> 00:43:29,840
Speaker 2: additional margin. Because the typical cycle, I think most American consumers,

1030
00:43:30,280 --> 00:43:33,800
Speaker 2: they basically arrive at a certain point, they remove a

1031
00:43:33,800 --> 00:43:36,719
Speaker 2: bunch of stresses from their life, but then they sign

1032
00:43:36,800 --> 00:43:40,520
Speaker 2: up for additional obligations, additional financial obligations that then add

1033
00:43:40,560 --> 00:43:41,560
Speaker 2: more stress to their life.

1034
00:43:41,600 --> 00:43:44,520
Speaker 1: Right. So, I've known people who are financially free, who

1035
00:43:44,600 --> 00:43:46,920
Speaker 1: are not in a good place, who are not happy people,

1036
00:43:47,000 --> 00:43:49,680
Speaker 1: and who are stressed out because for other reasons. So sure,

1037
00:43:49,760 --> 00:43:51,640
Speaker 1: even having enough money doesn't.

1038
00:43:51,400 --> 00:43:54,640
Speaker 2: Yes, what if you're only looking at financial issues, right,

1039
00:43:55,000 --> 00:43:57,960
Speaker 2: Like does more money equal like less stress. Sure, And

1040
00:43:58,000 --> 00:44:01,399
Speaker 2: I think that depends on what you introduced into your life.

1041
00:44:01,440 --> 00:44:02,440
Speaker 2: And so what I was going to say is that,

1042
00:44:02,480 --> 00:44:05,680
Speaker 2: like you used to maybe be concerned with having your

1043
00:44:05,800 --> 00:44:08,600
Speaker 2: utilities cut off, right, but then like you mentioned like

1044
00:44:08,640 --> 00:44:10,400
Speaker 2: a boat earlier, but like, let's say you decide to

1045
00:44:10,400 --> 00:44:12,480
Speaker 2: buy a boat because you know what this said in

1046
00:44:12,640 --> 00:44:15,239
Speaker 2: twenty fifteen, this is twenty twenty two. I'm in a

1047
00:44:15,280 --> 00:44:17,680
Speaker 2: place where I can afford a boat. Well, if you're

1048
00:44:17,760 --> 00:44:19,680
Speaker 2: barely getting by to where you can afford that boat

1049
00:44:19,680 --> 00:44:22,680
Speaker 2: payment or the additional expenses, and like it just escalates,

1050
00:44:22,760 --> 00:44:26,839
Speaker 2: like the wealthier you become if you continually sign up

1051
00:44:26,840 --> 00:44:32,200
Speaker 2: for additional debt obligations. Essentially, those financial stresses can always

1052
00:44:32,200 --> 00:44:34,520
Speaker 2: be there. It's just you're stressing over things that you

1053
00:44:34,640 --> 00:44:36,960
Speaker 2: never would have thought you would have been stressing about

1054
00:44:37,080 --> 00:44:37,879
Speaker 2: in a previous line.

1055
00:44:37,880 --> 00:44:39,400
Speaker 1: Well, I guess I think I interpreted the question a

1056
00:44:39,400 --> 00:44:42,000
Speaker 1: little different because she said, does the daily stress of

1057
00:44:42,000 --> 00:44:44,480
Speaker 1: life go away? And look at Elon Musk, look at

1058
00:44:44,640 --> 00:44:48,319
Speaker 1: real Gates. Those guys probably pretty stressed out with divorces,

1059
00:44:48,360 --> 00:44:51,600
Speaker 1: with taking on way more than by way more than

1060
00:44:51,600 --> 00:44:53,560
Speaker 1: they can chew buying a social media company.

1061
00:44:53,280 --> 00:44:56,200
Speaker 2: There will always be things that happen in the world.

1062
00:44:56,480 --> 00:44:59,080
Speaker 2: There will always be some sort of insta like something

1063
00:44:59,120 --> 00:45:01,480
Speaker 2: that's going to make you make your footing feel like

1064
00:45:01,520 --> 00:45:02,359
Speaker 2: you're standing on sand.

1065
00:45:02,400 --> 00:45:04,040
Speaker 1: And if you think that money is going to cure

1066
00:45:04,080 --> 00:45:06,839
Speaker 1: all of your ills, you're dead wrong. And so yes, yes,

1067
00:45:06,960 --> 00:45:09,560
Speaker 1: I'm having more money. It's a tool and it can

1068
00:45:09,600 --> 00:45:11,360
Speaker 1: help certain things, but there's a lot of things that

1069
00:45:11,400 --> 00:45:12,840
Speaker 1: it can't speak to. There's a lot of things that

1070
00:45:12,880 --> 00:45:14,960
Speaker 1: it can't fix, So you have to know that going

1071
00:45:15,000 --> 00:45:17,360
Speaker 1: into it. All right, Joel Alex asked, what are your

1072
00:45:17,400 --> 00:45:20,560
Speaker 1: favorite music genres? Okay, my all time favorite music genre

1073
00:45:20,760 --> 00:45:23,920
Speaker 1: alt country, so not radio country, but the alt country stuff,

1074
00:45:23,960 --> 00:45:28,719
Speaker 1: so like old school Ryan Adams, like Jason isbel like

1075
00:45:28,760 --> 00:45:31,920
Speaker 1: the dry By Truckers like Tyler Childers. Right now, is

1076
00:45:31,960 --> 00:45:35,319
Speaker 1: there all the bands I've heard you mentioned? But and

1077
00:45:35,360 --> 00:45:37,880
Speaker 1: then just probably indie rock. So some people say I

1078
00:45:37,960 --> 00:45:39,480
Speaker 1: like all the music, and I'm like, nah, I kind

1079
00:45:39,480 --> 00:45:40,239
Speaker 1: of like just a little bit.

1080
00:45:40,360 --> 00:45:43,319
Speaker 2: We've got the indie rock, indie rock overlap, like I

1081
00:45:43,480 --> 00:45:46,359
Speaker 2: lean more in like the electronica like post rock kind

1082
00:45:46,400 --> 00:45:47,120
Speaker 2: of genre.

1083
00:45:47,320 --> 00:45:49,600
Speaker 1: And so I mean for I mean, I still am

1084
00:45:49,719 --> 00:45:50,719
Speaker 1: You're a big namel Back.

1085
00:45:50,760 --> 00:45:54,120
Speaker 2: Guy, I don't listen to as much music as I

1086
00:45:54,200 --> 00:45:57,400
Speaker 2: used to because it is oftentimes filled with podcasts and audiobooks.

1087
00:45:57,440 --> 00:46:00,360
Speaker 2: But like Radiohead, I probably have listened to more Ahead

1088
00:46:00,520 --> 00:46:03,040
Speaker 2: than any other band in my entire life. Electron like

1089
00:46:03,080 --> 00:46:05,759
Speaker 2: Sunlux Tycho, So it's maybe a little bit more of

1090
00:46:05,800 --> 00:46:08,920
Speaker 2: that ambient electronic music. Yeah, But then like like Bony

1091
00:46:08,960 --> 00:46:12,000
Speaker 2: there and like Sufyan, like these are all folks that's

1092
00:46:12,160 --> 00:46:14,200
Speaker 2: we overlap. Yeah, yeah, there's a lot of bands that

1093
00:46:14,280 --> 00:46:16,239
Speaker 2: we both like. It's not But then I also like

1094
00:46:16,280 --> 00:46:17,600
Speaker 2: there's some bluegrass that I really like.

1095
00:46:17,640 --> 00:46:18,080
Speaker 1: I've been to.

1096
00:46:18,320 --> 00:46:21,439
Speaker 2: I think I've seen more nickel Creek, not nickel Back

1097
00:46:22,000 --> 00:46:25,000
Speaker 2: break shows than any other any other band in my

1098
00:46:25,120 --> 00:46:26,840
Speaker 2: entire be in Heaven. If nickel Back opened up for

1099
00:46:26,920 --> 00:46:29,839
Speaker 2: nickel Creek, that would be like the top billing for you.

1100
00:46:30,000 --> 00:46:32,239
Speaker 2: I wish I could even sing a line or two

1101
00:46:32,320 --> 00:46:34,640
Speaker 2: of a Nickelback song just to drive the point home,

1102
00:46:34,680 --> 00:46:36,439
Speaker 2: but I don't, so I can't.

1103
00:46:36,440 --> 00:46:38,160
Speaker 1: All right, So on that note, Sandy says, what song

1104
00:46:38,200 --> 00:46:40,040
Speaker 1: when it comes on the radio can you not resist

1105
00:46:40,040 --> 00:46:42,719
Speaker 1: singing out loud to? Also? What movie? No matter when

1106
00:46:42,719 --> 00:46:44,560
Speaker 1: you tune in, do you have no choice but to

1107
00:46:44,560 --> 00:46:46,319
Speaker 1: stop and watch the rest because you love it so much?

1108
00:46:46,400 --> 00:46:47,400
Speaker 1: All Right, I got the song.

1109
00:46:47,560 --> 00:46:50,680
Speaker 2: I would say any song on Third Eye Blind's.

1110
00:46:50,480 --> 00:46:52,160
Speaker 1: Debut album, Okay, yeah, that's a good hand.

1111
00:46:52,280 --> 00:46:54,479
Speaker 2: Literally, I think I know the words to every single

1112
00:46:54,520 --> 00:46:56,440
Speaker 2: song on that album and I saw them live recently.

1113
00:46:56,760 --> 00:46:59,520
Speaker 2: Song along the whole Time journey for me, probably almost

1114
00:46:59,520 --> 00:47:02,080
Speaker 2: any journeys, Like how can you not try to mimic

1115
00:47:02,080 --> 00:47:04,040
Speaker 2: Steve Ferry even though nobody can?

1116
00:47:04,920 --> 00:47:05,280
Speaker 1: Movie?

1117
00:47:05,360 --> 00:47:07,960
Speaker 2: I don't have a movie like. I mean, honestly, movies

1118
00:47:08,040 --> 00:47:10,879
Speaker 2: just aren't really a part of our life and we rare.

1119
00:47:11,080 --> 00:47:13,440
Speaker 2: It's just I don't feel like I can give an

1120
00:47:13,480 --> 00:47:14,120
Speaker 2: honest answer.

1121
00:47:14,320 --> 00:47:16,480
Speaker 1: Willy Wonka for me, Willy Wonka the Trashy Factory, not

1122
00:47:16,880 --> 00:47:19,680
Speaker 1: the Johnny Depp version, Gosh darn it, the originally hate

1123
00:47:19,680 --> 00:47:22,759
Speaker 1: that one. Sorry. I have a lot of animosity towards

1124
00:47:22,760 --> 00:47:24,759
Speaker 1: the Johnny Depp version because just not nearly as good.

1125
00:47:25,160 --> 00:47:28,120
Speaker 1: And I'm obsessed, like will that might be? That's top

1126
00:47:28,160 --> 00:47:29,960
Speaker 1: five movies of all time for me? So if I

1127
00:47:30,000 --> 00:47:32,560
Speaker 1: see it, it just brings back so much nostalgia and

1128
00:47:32,600 --> 00:47:35,600
Speaker 1: I love the Gene Wilder's performance in that version, so

1129
00:47:35,960 --> 00:47:37,960
Speaker 1: it's fantastic. Yeah, it's a good one. All right, We've

1130
00:47:38,000 --> 00:47:41,320
Speaker 1: got more to get to, more ask me anything questions

1131
00:47:41,360 --> 00:47:44,040
Speaker 1: from you guys, our listeners will we'll tackle a few

1132
00:47:44,480 --> 00:47:49,839
Speaker 1: extras right after this break.

1133
00:47:55,120 --> 00:47:57,080
Speaker 2: All right, we are back from the break, Joel. We've

1134
00:47:57,080 --> 00:47:59,600
Speaker 2: got a few more questions we're gonna get to. These

1135
00:47:59,640 --> 00:48:03,200
Speaker 2: are questions that listeners submitted in our Facebook group.

1136
00:48:03,280 --> 00:48:05,319
Speaker 1: Someone did want to know, partly because in the post

1137
00:48:05,400 --> 00:48:07,920
Speaker 1: I mentioned that we could cover your deepest, darkest secret

1138
00:48:07,920 --> 00:48:09,319
Speaker 1: if the question was asked see this part.

1139
00:48:09,320 --> 00:48:11,359
Speaker 2: We don't have time for that actual Okay, I feel

1140
00:48:11,360 --> 00:48:12,000
Speaker 2: like we're even now.

1141
00:48:12,320 --> 00:48:13,960
Speaker 1: We're gonna go a little bit long. Yeah, it's gonna

1142
00:48:13,960 --> 00:48:16,120
Speaker 1: be longer than usual, but but okayfully, as Matt Port

1143
00:48:16,160 --> 00:48:18,040
Speaker 1: is the soul out in this third segment, it'll be

1144
00:48:18,080 --> 00:48:18,359
Speaker 1: worth it.

1145
00:48:18,400 --> 00:48:20,360
Speaker 2: This one is from Michael. How do you guys juggle

1146
00:48:20,480 --> 00:48:23,839
Speaker 2: family life in podcasting life more effectively? I'm sure there's

1147
00:48:23,840 --> 00:48:26,760
Speaker 2: a learning curve, But when transitioning into self phne business,

1148
00:48:26,840 --> 00:48:30,200
Speaker 2: what were your successes and pitfalls early on around family

1149
00:48:30,200 --> 00:48:31,240
Speaker 2: life and personal life?

1150
00:48:31,520 --> 00:48:34,400
Speaker 1: You got a response. So, first things first, starting something

1151
00:48:34,440 --> 00:48:36,640
Speaker 1: new and trying to do it at a high level

1152
00:48:37,000 --> 00:48:39,920
Speaker 1: means extra work. When you're getting started, and so I

1153
00:48:39,920 --> 00:48:44,480
Speaker 1: think the key is communication, right, Like having that conversation

1154
00:48:44,760 --> 00:48:48,239
Speaker 1: with Emily was like, Hey, if this is something that

1155
00:48:48,239 --> 00:48:50,480
Speaker 1: you're behind and you think it is a good idea

1156
00:48:50,520 --> 00:48:53,200
Speaker 1: for us to start and see what happens, just letting

1157
00:48:53,200 --> 00:48:55,440
Speaker 1: you know I'm going to be a little more absent

1158
00:48:55,520 --> 00:48:57,560
Speaker 1: and it's going to take more effort and work. But

1159
00:48:57,600 --> 00:48:58,800
Speaker 1: we think that there's light at the end of the

1160
00:48:58,840 --> 00:49:01,160
Speaker 1: tunnel that this can be some thing. And so you

1161
00:49:01,280 --> 00:49:02,759
Speaker 1: have to have buy in and everyone kind of has

1162
00:49:02,800 --> 00:49:04,879
Speaker 1: to agree, and you have to kind of continually come

1163
00:49:04,920 --> 00:49:08,000
Speaker 1: back to communicate about Okay, how's it going, and like,

1164
00:49:08,480 --> 00:49:11,360
Speaker 1: are is it worth it for all the parties involved?

1165
00:49:11,560 --> 00:49:13,719
Speaker 1: So yep, I don't know. It's a learning curve, but

1166
00:49:13,840 --> 00:49:15,600
Speaker 1: communication is key. I totally agree.

1167
00:49:15,640 --> 00:49:17,960
Speaker 2: Yeah, communication, And then I feel like, I mean, honestly,

1168
00:49:18,000 --> 00:49:19,719
Speaker 2: I learned a lot of these lessons when Kate and

1169
00:49:19,760 --> 00:49:23,799
Speaker 2: I started started our company doing photography, but it was

1170
00:49:23,840 --> 00:49:28,160
Speaker 2: our life like it consumed everything. It saturated every fiber

1171
00:49:28,239 --> 00:49:30,120
Speaker 2: of our being, Like every second of the day, I

1172
00:49:30,120 --> 00:49:32,360
Speaker 2: felt like we were talking of photography stuff. And that

1173
00:49:32,440 --> 00:49:34,759
Speaker 2: was great on one hand because it meant a very

1174
00:49:34,760 --> 00:49:37,759
Speaker 2: successful business. But on the other hand, it was detrimental

1175
00:49:37,800 --> 00:49:40,880
Speaker 2: to our relationship. There's a lot of things that we

1176
00:49:40,960 --> 00:49:44,239
Speaker 2: didn't prioritize because we were so concerned with talking about

1177
00:49:44,320 --> 00:49:46,759
Speaker 2: business things. And so what that meant is I learned

1178
00:49:46,760 --> 00:49:49,600
Speaker 2: that for us, boundaries were really stink and important. And

1179
00:49:49,680 --> 00:49:52,000
Speaker 2: so for what you know, what that means with how

1180
00:49:52,040 --> 00:49:55,400
Speaker 2: to money is keeping like fairly hard boundaries when it

1181
00:49:55,440 --> 00:49:57,759
Speaker 2: comes to the you know, the work that we do here,

1182
00:49:57,960 --> 00:49:59,600
Speaker 2: you know, for the show, and then the life I

1183
00:49:59,680 --> 00:50:01,920
Speaker 2: lead at home, Like the kids like they know that

1184
00:50:01,960 --> 00:50:04,239
Speaker 2: I've had a podcast that you know, Daddy and mister

1185
00:50:04,280 --> 00:50:06,120
Speaker 2: Jolie sit down and they talk about beer, and they

1186
00:50:06,160 --> 00:50:07,759
Speaker 2: kind of like, I feel like our kids are starting

1187
00:50:07,840 --> 00:50:08,960
Speaker 2: to get older, and they kind of make fun of

1188
00:50:09,080 --> 00:50:11,960
Speaker 2: us a little bit because they'll hear us pull up

1189
00:50:11,960 --> 00:50:13,799
Speaker 2: an episode in the car, like we'll check it to

1190
00:50:13,840 --> 00:50:16,640
Speaker 2: make sure certain things are playing properly. You know, we're

1191
00:50:16,640 --> 00:50:18,920
Speaker 2: not sitting down listening to our own show. But they

1192
00:50:19,000 --> 00:50:20,719
Speaker 2: always kind of I think they get excited maybe the

1193
00:50:20,760 --> 00:50:23,520
Speaker 2: height of hubers when they hear our show comes up,

1194
00:50:23,560 --> 00:50:24,759
Speaker 2: if you're that in love with the sound of your

1195
00:50:24,800 --> 00:50:27,839
Speaker 2: own voice. But otherwise they don't really know much of

1196
00:50:27,840 --> 00:50:30,280
Speaker 2: what we do, and for me, I think that's something

1197
00:50:30,520 --> 00:50:33,360
Speaker 2: that's something I'm proud of. Granted, there's some overlap if

1198
00:50:33,400 --> 00:50:35,919
Speaker 2: I'll read an article or read a book or something

1199
00:50:35,960 --> 00:50:37,759
Speaker 2: like that that has to do with work at home,

1200
00:50:37,920 --> 00:50:40,480
Speaker 2: because I'm just interested in it, and there's certainly some overlap.

1201
00:50:40,760 --> 00:50:43,080
Speaker 2: But for the most part in my life at least,

1202
00:50:43,080 --> 00:50:46,239
Speaker 2: it means there are some clear boundaries between work life

1203
00:50:46,280 --> 00:50:46,879
Speaker 2: and personal life.

1204
00:50:46,880 --> 00:50:49,239
Speaker 1: And that's probably too Matt. While why you and I

1205
00:50:49,280 --> 00:50:51,359
Speaker 1: we don't put ourselves out there on Instagram a whole lot.

1206
00:50:51,440 --> 00:50:53,680
Speaker 1: It would just be more invasive. And it's not that

1207
00:50:53,760 --> 00:50:57,760
Speaker 1: we're against obviously we're answering all of your questions today

1208
00:50:57,760 --> 00:51:00,120
Speaker 1: on today's episode. We don't mind sharing those things are

1209
00:51:00,120 --> 00:51:02,120
Speaker 1: one hundred percent working right now, yes, And when it

1210
00:51:02,160 --> 00:51:04,439
Speaker 1: breaks into kind of our personal time, our personal lives,

1211
00:51:05,120 --> 00:51:08,520
Speaker 1: it's we love meeting listeners, listener hangouts, We love answering

1212
00:51:08,560 --> 00:51:12,120
Speaker 1: your questions, like we love that engagement. But typically between

1213
00:51:12,160 --> 00:51:15,440
Speaker 1: the hours of like nine to five, like Monday through Thursday,

1214
00:51:15,480 --> 00:51:17,400
Speaker 1: half days on Fridays, and if we can whatever we

1215
00:51:17,400 --> 00:51:20,320
Speaker 1: can cram into there into that time, it's like pure joy.

1216
00:51:20,560 --> 00:51:24,359
Speaker 1: And yeah, so for us, we gotta make sure we

1217
00:51:24,440 --> 00:51:27,960
Speaker 1: keep those barriers intact, so it doesn't feel like it's

1218
00:51:27,960 --> 00:51:31,560
Speaker 1: overwhelming the things we get to do and enjoy at home,

1219
00:51:31,800 --> 00:51:35,600
Speaker 1: because that's the reason we're working right, to sustain our

1220
00:51:35,600 --> 00:51:38,680
Speaker 1: families and to be able to really enjoy the time

1221
00:51:38,680 --> 00:51:40,799
Speaker 1: that we have away from here too. Totally all right,

1222
00:51:40,800 --> 00:51:42,839
Speaker 1: Michael says, And this is interesting one. He says, most

1223
00:51:42,840 --> 00:51:46,560
Speaker 1: of the people advising folks on financial stability didn't get

1224
00:51:46,560 --> 00:51:49,080
Speaker 1: their wealth doing what they preached. They amassed it by

1225
00:51:49,120 --> 00:51:52,080
Speaker 1: selling a service teaching you about it. He says, I'd

1226
00:51:52,080 --> 00:51:54,120
Speaker 1: be curious to get a glimpse inside the financials of

1227
00:51:54,120 --> 00:51:57,880
Speaker 1: how running a podcast, investment properties, et cetera. Produces income

1228
00:51:57,920 --> 00:52:01,120
Speaker 1: in your cases. In the past, you've referenced spouse's education

1229
00:52:01,200 --> 00:52:04,200
Speaker 1: goals and expected job divinends, et cetera. But I don't

1230
00:52:04,239 --> 00:52:06,320
Speaker 1: think i've ever heard personal results.

1231
00:52:06,920 --> 00:52:09,640
Speaker 2: Well, okay, so Michael, you know you're saying that other

1232
00:52:09,680 --> 00:52:12,600
Speaker 2: folks are, would you, he said, selling a service teaching

1233
00:52:12,600 --> 00:52:15,120
Speaker 2: you about it? And I would argue that that is

1234
00:52:15,160 --> 00:52:17,040
Speaker 2: not all that different than what we are actually doing

1235
00:52:17,040 --> 00:52:17,760
Speaker 2: here on the show.

1236
00:52:18,160 --> 00:52:19,640
Speaker 1: I think that's what he's saying. Yes, he's saying, like,

1237
00:52:19,680 --> 00:52:21,480
Speaker 1: so how do you did you guys? Are you guys

1238
00:52:21,800 --> 00:52:24,759
Speaker 1: only making money from the podcast or were you I.

1239
00:52:24,719 --> 00:52:26,960
Speaker 2: Read his question as in, like, like, you guys are

1240
00:52:27,200 --> 00:52:29,440
Speaker 2: practicing what you're preaching. But what I'm saying is that,

1241
00:52:29,480 --> 00:52:31,160
Speaker 2: like I feel like we're more we've got more in

1242
00:52:31,200 --> 00:52:32,920
Speaker 2: common with those other folks who are out there selling

1243
00:52:32,920 --> 00:52:35,560
Speaker 2: themselves on the internet. Then maybe it would appear right

1244
00:52:35,640 --> 00:52:38,200
Speaker 2: like I mean, like those folks have courses and classes

1245
00:52:38,239 --> 00:52:40,080
Speaker 2: and mastermind groups and all that kind of stuff that

1246
00:52:40,080 --> 00:52:43,680
Speaker 2: they're selling, and that's one model, but for us, like

1247
00:52:43,719 --> 00:52:46,719
Speaker 2: we're talking about similar things, but we just have advertising. Yeah,

1248
00:52:46,760 --> 00:52:48,359
Speaker 2: And so I guess what I'm highlighting here is that

1249
00:52:48,440 --> 00:52:50,640
Speaker 2: we're not all that different I guess maybe from some

1250
00:52:50,680 --> 00:52:53,040
Speaker 2: of the other content creators out there. But maybe what's

1251
00:52:53,080 --> 00:52:55,960
Speaker 2: different than is the spirit in which we do things

1252
00:52:56,040 --> 00:52:58,279
Speaker 2: where we're not I mean sort of like what we

1253
00:52:58,280 --> 00:53:01,560
Speaker 2: were saying earlier, you know, the ability to ask the question,

1254
00:53:01,920 --> 00:53:03,440
Speaker 2: is this something that's going to be able to provide

1255
00:53:03,480 --> 00:53:06,319
Speaker 2: value to listeners? Being able to run decisions through that

1256
00:53:06,400 --> 00:53:10,000
Speaker 2: filter helps us to maybe approach everything that we do

1257
00:53:10,080 --> 00:53:12,920
Speaker 2: with a slightly different spirit than just what's that going

1258
00:53:13,000 --> 00:53:15,279
Speaker 2: to mean for our bottom line? How's this going to

1259
00:53:15,280 --> 00:53:17,440
Speaker 2: affect the income that's not the question that you and

1260
00:53:17,480 --> 00:53:18,440
Speaker 2: I are asking.

1261
00:53:18,160 --> 00:53:20,480
Speaker 1: Ourselves, right, Well, we also talk about things on the

1262
00:53:20,520 --> 00:53:23,160
Speaker 1: show that we have done personally, things that we've studied

1263
00:53:23,200 --> 00:53:25,759
Speaker 1: this stuff extensively and we've put it into practice, And

1264
00:53:25,800 --> 00:53:28,359
Speaker 1: so I think there is the reality that we've talked

1265
00:53:28,360 --> 00:53:29,799
Speaker 1: about on the show before, Matt, there's a lot of

1266
00:53:30,200 --> 00:53:33,360
Speaker 1: TikTok influencers that meanwhile, they just don't have the knowledge

1267
00:53:33,400 --> 00:53:35,719
Speaker 1: and they don't have the depth of knowledge from doing

1268
00:53:35,800 --> 00:53:37,920
Speaker 1: it for a lot of years. You have started your

1269
00:53:37,960 --> 00:53:40,600
Speaker 1: own business. You and I have been personal finance nerds

1270
00:53:40,600 --> 00:53:44,279
Speaker 1: on this journey for at least fifteen years, and so

1271
00:53:45,360 --> 00:53:47,880
Speaker 1: it was my full time job producing a personal finance

1272
00:53:47,960 --> 00:53:50,279
Speaker 1: radio show for fifteen years. So it's one of those

1273
00:53:50,280 --> 00:53:53,560
Speaker 1: things where, yeah, we're not one hundred percent financially independent

1274
00:53:53,640 --> 00:53:56,440
Speaker 1: right now, right, And income from the podcast is a

1275
00:53:56,480 --> 00:53:59,240
Speaker 1: good thing. It does help us put food on the table.

1276
00:54:00,200 --> 00:54:02,440
Speaker 2: Say, like, so he was well, sorry to interrupt, like

1277
00:54:02,480 --> 00:54:04,120
Speaker 2: he was asking too, like how much of our income

1278
00:54:04,160 --> 00:54:05,800
Speaker 2: Maybe he's asking that, right, like how much of it

1279
00:54:06,000 --> 00:54:08,440
Speaker 2: does come from the podcast? Yeah, And we don't have

1280
00:54:08,480 --> 00:54:10,600
Speaker 2: exact numbers, but like the majority of our income does

1281
00:54:10,760 --> 00:54:12,000
Speaker 2: come from the podcast.

1282
00:54:12,080 --> 00:54:14,200
Speaker 1: We each have a handful of rental properties, which definitely,

1283
00:54:14,320 --> 00:54:18,319
Speaker 1: which means that we have income from other areas. And

1284
00:54:18,360 --> 00:54:21,480
Speaker 1: so do we need the income from the podcast, Like, yeah,

1285
00:54:21,520 --> 00:54:24,120
Speaker 1: we do need the from the podcast right now. Do

1286
00:54:24,160 --> 00:54:26,360
Speaker 1: we need it five years from now? No, like we've

1287
00:54:26,560 --> 00:54:30,480
Speaker 1: we've built up a reservoir as we've invested intelligently over

1288
00:54:30,520 --> 00:54:33,560
Speaker 1: the years, and so no, Like if the revenue of

1289
00:54:33,600 --> 00:54:35,839
Speaker 1: the podcast went to zero, that would be that would

1290
00:54:35,840 --> 00:54:39,839
Speaker 1: be difficult, right, Yeah, it's but we are not, like

1291
00:54:39,840 --> 00:54:42,839
Speaker 1: you said, selling a service teaching people about it. We

1292
00:54:42,920 --> 00:54:46,239
Speaker 1: have over the years, I would say, amassed our wealth

1293
00:54:46,280 --> 00:54:48,560
Speaker 1: by doing the things we talk about, and now putting

1294
00:54:48,600 --> 00:54:52,600
Speaker 1: those out in podcast format is a way to continue

1295
00:54:52,600 --> 00:54:55,680
Speaker 1: making money. But it is also something that we're passionate

1296
00:54:55,719 --> 00:54:58,880
Speaker 1: about and that we have extensive knowledge about, that we

1297
00:54:59,040 --> 00:55:02,040
Speaker 1: talk about regularly, totally well. And and the fact is if

1298
00:55:02,080 --> 00:55:03,040
Speaker 1: we let's let's.

1299
00:55:02,880 --> 00:55:06,200
Speaker 2: Say, for instance, that iHeart just got canceled or went

1300
00:55:06,239 --> 00:55:10,200
Speaker 2: bankrupt or do something like that, we could totally survive

1301
00:55:10,360 --> 00:55:13,080
Speaker 2: without income from the podcast. It's something that we are

1302
00:55:13,200 --> 00:55:16,359
Speaker 2: leaning into right now because honestly, it's the most fun

1303
00:55:16,400 --> 00:55:17,880
Speaker 2: thing that I do every day when it comes to

1304
00:55:17,920 --> 00:55:20,680
Speaker 2: the work that I do. It currently does make the

1305
00:55:20,680 --> 00:55:23,799
Speaker 2: most money from a time spent, but it also has

1306
00:55:24,080 --> 00:55:26,680
Speaker 2: the most potential as well. It totally has the most

1307
00:55:26,680 --> 00:55:30,040
Speaker 2: future potential, but the ability there's other things that we

1308
00:55:30,080 --> 00:55:33,319
Speaker 2: are both interested in, and I think it would not

1309
00:55:33,360 --> 00:55:35,360
Speaker 2: be difficult for us to kind of fire up these

1310
00:55:35,719 --> 00:55:39,120
Speaker 2: alternative sources of income if we wanted to. If all

1311
00:55:39,120 --> 00:55:41,640
Speaker 2: of a sudden, I had eight hours of my day

1312
00:55:41,640 --> 00:55:43,919
Speaker 2: back every single day to then focus Like it makes

1313
00:55:43,960 --> 00:55:46,759
Speaker 2: me think about like you hired property management recently, and

1314
00:55:46,800 --> 00:55:48,720
Speaker 2: does that eat into your rental property income?

1315
00:55:49,000 --> 00:55:49,440
Speaker 1: Totally?

1316
00:55:49,680 --> 00:55:52,160
Speaker 2: But you're able to use that time in ways that

1317
00:55:52,239 --> 00:55:54,239
Speaker 2: you want to, whether it be with how to money

1318
00:55:54,360 --> 00:55:56,200
Speaker 2: or just the other things you're interested in. And so

1319
00:55:56,400 --> 00:55:59,280
Speaker 2: there's there's different trade offs that you make throughout life,

1320
00:55:59,360 --> 00:56:01,680
Speaker 2: and I think I think what's important is for there

1321
00:56:01,719 --> 00:56:04,520
Speaker 2: to be multiple options available to you. That doesn't mean

1322
00:56:04,560 --> 00:56:07,080
Speaker 2: that at certain times, at different given points in time,

1323
00:56:07,280 --> 00:56:10,359
Speaker 2: that you're not leaning into one of those areas a

1324
00:56:10,360 --> 00:56:12,919
Speaker 2: little more heavily than you otherwise would.

1325
00:56:13,000 --> 00:56:14,560
Speaker 1: Yeah, does that make sense? Yeah, no, it does. And

1326
00:56:14,600 --> 00:56:16,920
Speaker 1: I think the reality is there are a lot of

1327
00:56:16,960 --> 00:56:20,320
Speaker 1: people out there who have dabbled in some of these ideas,

1328
00:56:20,320 --> 00:56:23,319
Speaker 1: who are still kind of fresh and new, but they

1329
00:56:23,400 --> 00:56:25,600
Speaker 1: do they are good at social media, or they are

1330
00:56:26,040 --> 00:56:30,120
Speaker 1: good at online content, and so they're trying to make

1331
00:56:30,120 --> 00:56:32,320
Speaker 1: their money on the backs of teaching people in a

1332
00:56:32,360 --> 00:56:35,400
Speaker 1: way that might be costly to them, although beneficial for

1333
00:56:35,440 --> 00:56:38,440
Speaker 1: the creator themselves. And so that is our goal is

1334
00:56:38,480 --> 00:56:42,040
Speaker 1: to avoid that. I know podcast ads are annoying, but

1335
00:56:42,040 --> 00:56:44,279
Speaker 1: it's our goal to keep how to money content like

1336
00:56:44,360 --> 00:56:47,560
Speaker 1: free and readily available. We think that it's it's advice

1337
00:56:47,600 --> 00:56:51,000
Speaker 1: and information that the masses need to hear that everyone

1338
00:56:51,040 --> 00:56:54,960
Speaker 1: out there needs access to. And there's nothing that needs

1339
00:56:54,960 --> 00:56:57,880
Speaker 1: to be behind a multi hundred dollars paywall. And hopefully

1340
00:56:57,920 --> 00:57:00,200
Speaker 1: we can keep all the content that we create free,

1341
00:57:00,280 --> 00:57:01,359
Speaker 1: accessible down to earth.

1342
00:57:01,400 --> 00:57:03,680
Speaker 2: That's the goal, absolutely, all right, let's hear from Katie.

1343
00:57:03,719 --> 00:57:06,000
Speaker 2: She said, I told a friend of mine about your

1344
00:57:06,040 --> 00:57:09,520
Speaker 2: podcast and your craft beer equivalent angle. Her response was

1345
00:57:09,719 --> 00:57:12,319
Speaker 2: the problem is I have too many craft beer equivalents.

1346
00:57:12,560 --> 00:57:15,000
Speaker 2: So what would your advice be for someone like this

1347
00:57:15,080 --> 00:57:17,440
Speaker 2: who has a hard time narrowing down a few areas

1348
00:57:17,520 --> 00:57:20,080
Speaker 2: to splurge on Jilli? You have advice for Katie's friend.

1349
00:57:20,120 --> 00:57:22,280
Speaker 1: I would send her our money mission statement. It is

1350
00:57:22,520 --> 00:57:25,640
Speaker 1: something is speaking of free resources. This is something Matt

1351
00:57:25,640 --> 00:57:27,240
Speaker 1: and I took our time to create. We think that

1352
00:57:27,400 --> 00:57:30,080
Speaker 1: walking through these questions and answering them will be helpful

1353
00:57:30,160 --> 00:57:32,760
Speaker 1: to you and will be helpful specifically to your friend

1354
00:57:32,800 --> 00:57:35,479
Speaker 1: Katie as she's trying to hone in on a why.

1355
00:57:36,320 --> 00:57:40,280
Speaker 1: We think that it's the Nietzsche quote Matt that he

1356
00:57:40,320 --> 00:57:43,280
Speaker 1: who has any why can bear anyhow. It makes it

1357
00:57:43,320 --> 00:57:47,000
Speaker 1: easier to forego like frivolous purchases when you have a

1358
00:57:47,040 --> 00:57:49,840
Speaker 1: deeper why attached to where your money's going. So if

1359
00:57:49,840 --> 00:57:51,960
Speaker 1: you know, hey, I'm saving up for this really important

1360
00:57:51,960 --> 00:57:54,280
Speaker 1: goal over here, it's going to take me like sixteen

1361
00:57:54,280 --> 00:57:56,480
Speaker 1: months to get there. Well, if you have a problem

1362
00:57:56,480 --> 00:57:59,760
Speaker 1: with frivolous purchases, it's actually going to help keep those

1363
00:57:59,760 --> 00:58:02,280
Speaker 1: in life when you know the bigger, more important thing

1364
00:58:02,320 --> 00:58:05,440
Speaker 1: that you're saving for. So yeah, the Money Mission Statement

1365
00:58:05,440 --> 00:58:08,680
Speaker 1: hopefully will be helpful to her. It's free downloadable pdf

1366
00:58:08,680 --> 00:58:11,200
Speaker 1: will link to in the show notes. Totally knowing, Yeah,

1367
00:58:11,360 --> 00:58:13,720
Speaker 1: honing in on your why, spending some time doing a

1368
00:58:13,720 --> 00:58:16,960
Speaker 1: little bit of like interior looking, I think can help

1369
00:58:17,000 --> 00:58:19,920
Speaker 1: you figure out what matters to you, and then just

1370
00:58:19,960 --> 00:58:24,160
Speaker 1: in that process it almost by necessity devalues a whole

1371
00:58:24,160 --> 00:58:27,600
Speaker 1: lot of other things that you did kind of prioritize

1372
00:58:27,640 --> 00:58:28,480
Speaker 1: at least to some degree.

1373
00:58:28,520 --> 00:58:29,480
Speaker 2: That's right, man, I love it.

1374
00:58:29,520 --> 00:58:31,640
Speaker 1: Well. Can I just say too, like, I think if

1375
00:58:31,680 --> 00:58:34,040
Speaker 1: you have a ton of crappy equivalents, maybe you don't

1376
00:58:34,080 --> 00:58:36,400
Speaker 1: really get what that means. Because I think if to

1377
00:58:36,480 --> 00:58:38,600
Speaker 1: zero in on a few things, true, and you can

1378
00:58:39,400 --> 00:58:41,480
Speaker 1: say that everything matters, but then if everything matters, then

1379
00:58:41,480 --> 00:58:43,640
Speaker 1: nothing really matters, and so you have to prioritize a

1380
00:58:43,640 --> 00:58:45,360
Speaker 1: few things, like what are the things that really really

1381
00:58:45,440 --> 00:58:47,040
Speaker 1: move the needle in your life. The more you can

1382
00:58:47,080 --> 00:58:49,360
Speaker 1: focus in on those things, zero in on on those things,

1383
00:58:49,720 --> 00:58:52,840
Speaker 1: pour your money intentionally into those areas, it's going to

1384
00:58:52,840 --> 00:58:54,840
Speaker 1: move the needle, and then those other things are going

1385
00:58:54,880 --> 00:58:56,640
Speaker 1: to look like, well, they don't really matter in light

1386
00:58:56,640 --> 00:58:57,240
Speaker 1: of that. Yeah.

1387
00:58:57,320 --> 00:58:59,000
Speaker 2: Yeah, a lot of times it takes a little bit

1388
00:58:59,000 --> 00:59:00,840
Speaker 2: of soul searching to figure out what it is you

1389
00:59:00,880 --> 00:59:05,120
Speaker 2: truly value. Becca asked. She said, favorite places you've traveled

1390
00:59:05,160 --> 00:59:08,080
Speaker 2: to and places you most want to travel to if

1391
00:59:08,120 --> 00:59:11,800
Speaker 2: money or lifehaz for instance, kids were no object.

1392
00:59:12,000 --> 00:59:15,360
Speaker 1: Joel, I'm just say probably our trip to Norway Emily

1393
00:59:15,400 --> 00:59:17,120
Speaker 1: and I, just the two of us was the best

1394
00:59:17,120 --> 00:59:19,640
Speaker 1: trip we've ever taken. Nice. Scotland is probably the place

1395
00:59:19,680 --> 00:59:23,160
Speaker 1: we most want to go. Mmmm you Scotland absolutely, because

1396
00:59:23,200 --> 00:59:26,720
Speaker 1: it combines two things I love. Fantastic drink, yeah, with

1397
00:59:26,920 --> 00:59:30,360
Speaker 1: a country that is beautiful, and we're actually kind of

1398
00:59:30,360 --> 00:59:32,120
Speaker 1: talking with a friend of ours actually who's over in

1399
00:59:32,160 --> 00:59:34,240
Speaker 1: Scotland and we're trying to find a way to make

1400
00:59:34,240 --> 00:59:35,600
Speaker 1: this trip happen. You got to do it.

1401
00:59:35,680 --> 00:59:37,680
Speaker 2: But yeah, I mean generally speaking, like when I think

1402
00:59:37,680 --> 00:59:40,000
Speaker 2: about some of the favorite trips that Kate and I

1403
00:59:40,200 --> 00:59:44,280
Speaker 2: go on, it it oftentimes does include natural beauty and

1404
00:59:44,480 --> 00:59:46,840
Speaker 2: just amazing food or drink, usually a BUCkies for you.

1405
00:59:47,920 --> 00:59:48,880
Speaker 1: Not a BUCkies.

1406
00:59:49,200 --> 00:59:51,640
Speaker 2: But like, so you mentioned a road trip that you

1407
00:59:51,640 --> 00:59:53,600
Speaker 2: went on with your friend like years ago. Kid and

1408
00:59:53,640 --> 00:59:55,680
Speaker 2: I we've only ever done this once, but we took

1409
00:59:55,680 --> 00:59:59,240
Speaker 2: a road trip out west and randomly kind of stopped

1410
00:59:59,280 --> 01:00:03,120
Speaker 2: in at some the different wineries in Napa and Sonoma,

1411
01:00:03,160 --> 01:00:05,640
Speaker 2: and we could not believe how much we loved it

1412
01:00:05,680 --> 01:00:08,760
Speaker 2: out there, because I mean, obviously you've got some amazing wine,

1413
01:00:09,040 --> 01:00:11,040
Speaker 2: you're there talking to other folks who also are into it,

1414
01:00:11,160 --> 01:00:12,920
Speaker 2: but then they've got these trails that you can go

1415
01:00:13,000 --> 01:00:15,400
Speaker 2: hiking on and so it was just this perfect combination

1416
01:00:15,600 --> 01:00:18,560
Speaker 2: of enjoying the land but then enjoying the fruits of

1417
01:00:18,600 --> 01:00:20,760
Speaker 2: the land. I don't know that there's just something fully

1418
01:00:20,880 --> 01:00:23,280
Speaker 2: encompassing and where it felt like we were just fully

1419
01:00:23,280 --> 01:00:27,120
Speaker 2: immersed within this particular region. And I think, yeah, in

1420
01:00:27,160 --> 01:00:29,720
Speaker 2: a similar way, we would also get that in Scotland,

1421
01:00:29,800 --> 01:00:31,480
Speaker 2: and so yeah, that's definitely at the top of our

1422
01:00:31,520 --> 01:00:32,160
Speaker 2: list as well.

1423
01:00:32,200 --> 01:00:36,080
Speaker 1: So hopefully had money tripped there soon. Shari says, what's

1424
01:00:36,120 --> 01:00:39,000
Speaker 1: one piece of non financial advice you want to instill

1425
01:00:39,040 --> 01:00:42,000
Speaker 1: in your kids? He's another big one. You have an

1426
01:00:42,000 --> 01:00:44,760
Speaker 1: answer for those one. I mean, just the thing I

1427
01:00:44,760 --> 01:00:46,680
Speaker 1: tell my kids all the time, and it's what I

1428
01:00:46,680 --> 01:00:48,280
Speaker 1: want them to know is that they can do hard things.

1429
01:00:48,520 --> 01:00:52,920
Speaker 1: I think, especially in an era of great wealth in

1430
01:00:52,960 --> 01:00:55,200
Speaker 1: this country where we have a lot of things at

1431
01:00:55,200 --> 01:00:57,680
Speaker 1: our fingertips, where we can order something on Amazon and

1432
01:00:57,680 --> 01:01:01,040
Speaker 1: get it that day or the next day, it's easy

1433
01:01:01,200 --> 01:01:04,760
Speaker 1: to become soft. And the reality is like, we need

1434
01:01:06,160 --> 01:01:07,960
Speaker 1: to know that we can do hard things. It is

1435
01:01:08,000 --> 01:01:10,200
Speaker 1: a comforting reality. And so I want to push my

1436
01:01:10,280 --> 01:01:13,320
Speaker 1: kids in that direction, not like make them sleep outside

1437
01:01:13,360 --> 01:01:15,200
Speaker 1: in the freezing cold or anything like that, to develop

1438
01:01:15,240 --> 01:01:17,240
Speaker 1: some sort of hardness. But I want them to know

1439
01:01:17,280 --> 01:01:19,200
Speaker 1: they can do hard things and to tackle hard things,

1440
01:01:19,240 --> 01:01:20,760
Speaker 1: because I think that's where a lot of the joy

1441
01:01:20,760 --> 01:01:22,360
Speaker 1: and life comes from. Nice. I love it.

1442
01:01:22,520 --> 01:01:24,680
Speaker 2: I'm going to take it back to a recurring theme love.

1443
01:01:25,520 --> 01:01:28,200
Speaker 2: Maybe when we're talking about faith earlier on. I feel

1444
01:01:28,200 --> 01:01:32,000
Speaker 2: like that's kind of the underpinning of so much of

1445
01:01:32,440 --> 01:01:34,640
Speaker 2: what I at least try to do right and what

1446
01:01:34,680 --> 01:01:37,360
Speaker 2: it is that I that we're trying to teach our kids.

1447
01:01:37,600 --> 01:01:39,800
Speaker 2: I mean, straight from the Bible. Greater love has no

1448
01:01:39,840 --> 01:01:42,720
Speaker 2: one than this, he who lays down his life for

1449
01:01:42,800 --> 01:01:47,520
Speaker 2: his friends. That's a loose translation. But again, the ability

1450
01:01:47,560 --> 01:01:50,720
Speaker 2: to refer back to that and find ways to put

1451
01:01:50,760 --> 01:01:53,720
Speaker 2: others before yourself. I think that if I had to

1452
01:01:53,760 --> 01:01:56,600
Speaker 2: like distill it down, boil it down to you know,

1453
01:01:56,640 --> 01:01:58,400
Speaker 2: what it is that we're trying to teach our kids, Yeah,

1454
01:01:58,400 --> 01:01:58,920
Speaker 2: it would be that.

1455
01:02:00,120 --> 01:02:00,360
Speaker 1: Again.

1456
01:02:00,400 --> 01:02:02,760
Speaker 2: You can take that and go in whatever direction you want.

1457
01:02:02,840 --> 01:02:04,360
Speaker 2: You can take that and then go in the financial

1458
01:02:04,360 --> 01:02:06,280
Speaker 2: direction and figure out how that applies to your money.

1459
01:02:06,440 --> 01:02:08,960
Speaker 2: But that would be my response there, Joe. Let's get

1460
01:02:08,960 --> 01:02:11,600
Speaker 2: to our last question. This is from Tory, and she said,

1461
01:02:11,640 --> 01:02:13,480
Speaker 2: if you had to pick an all time a favorite

1462
01:02:13,520 --> 01:02:16,439
Speaker 2: beer what would it be? And also Joshua asked if

1463
01:02:16,480 --> 01:02:18,680
Speaker 2: there was only one style of beer that you could

1464
01:02:18,680 --> 01:02:20,440
Speaker 2: have for the rest of your life, what would it be.

1465
01:02:21,080 --> 01:02:23,760
Speaker 2: This is again one of those impossible questions. But do

1466
01:02:24,000 --> 01:02:26,360
Speaker 2: you have a favorite all time beer, Joel.

1467
01:02:26,160 --> 01:02:29,120
Speaker 1: You know, not really, but I would say i'd associated

1468
01:02:29,160 --> 01:02:31,120
Speaker 1: with a memory. So when Emily and I were in Belgium,

1469
01:02:31,240 --> 01:02:34,440
Speaker 1: I just remember going to the Canteon and drinking it,

1470
01:02:34,520 --> 01:02:36,439
Speaker 1: shrinking from the soaurus right from the sword, and so

1471
01:02:36,640 --> 01:02:39,800
Speaker 1: that's probably my favorite beer memory, is those two days

1472
01:02:39,800 --> 01:02:42,600
Speaker 1: with her at Canteon. But yeah, I don't know. Any

1473
01:02:42,680 --> 01:02:44,840
Speaker 1: raspberry sour it is probably my favorite. Like that'd be

1474
01:02:45,240 --> 01:02:48,479
Speaker 1: this a style that I'm really fond of. What would

1475
01:02:48,480 --> 01:02:49,800
Speaker 1: I want for the rest of my life? I don't know,

1476
01:02:49,840 --> 01:02:52,560
Speaker 1: probably like the finest hazy ipa is in all likelihood,

1477
01:02:52,560 --> 01:02:54,240
Speaker 1: But I love footed sours too, So.

1478
01:02:54,280 --> 01:02:56,600
Speaker 2: I mean each beer has its own time, yeah, you know,

1479
01:02:56,680 --> 01:02:58,960
Speaker 2: I mean I want different beers at different points in

1480
01:02:59,000 --> 01:03:00,160
Speaker 2: the year, and I can't even.

1481
01:03:00,600 --> 01:03:02,080
Speaker 1: Like that kind of season right now, I know.

1482
01:03:02,200 --> 01:03:06,400
Speaker 2: Like, so I would say an underlying theme of all

1483
01:03:06,480 --> 01:03:09,440
Speaker 2: my favorite beers oftentimes is that they're barrel aged. And

1484
01:03:09,440 --> 01:03:13,320
Speaker 2: so whether that's a barrel age sower, a barrel age stouts.

1485
01:03:13,600 --> 01:03:15,680
Speaker 2: But anytime a brewery is able to pull that off,

1486
01:03:15,760 --> 01:03:20,000
Speaker 2: it man aging beers on wood adds such an additional

1487
01:03:20,080 --> 01:03:23,440
Speaker 2: level of complexity of flavor that just takes it up to.

1488
01:03:23,360 --> 01:03:25,200
Speaker 1: The next level. Would you drink a barrel age bud light,

1489
01:03:26,200 --> 01:03:27,000
Speaker 1: I'd give it a shot.

1490
01:03:27,160 --> 01:03:29,200
Speaker 2: I totally would, because honestly, that kind of sounds like

1491
01:03:29,640 --> 01:03:32,840
Speaker 2: innocent gun out of the UK or whatever somewhere out

1492
01:03:32,840 --> 01:03:33,160
Speaker 2: of Europe.

1493
01:03:33,240 --> 01:03:35,000
Speaker 1: I'm sure innocent gun is better than that. But those

1494
01:03:35,000 --> 01:03:35,760
Speaker 1: are I don't know.

1495
01:03:35,800 --> 01:03:37,600
Speaker 2: Those are some like ales or loggers or something like

1496
01:03:37,600 --> 01:03:40,040
Speaker 2: that that are barrel aged. But I love that taste

1497
01:03:40,120 --> 01:03:43,080
Speaker 2: of oak or whatever woods that they that they choose. Yeah,

1498
01:03:43,200 --> 01:03:46,440
Speaker 2: and so I don't have a particular favorite beer or

1499
01:03:46,480 --> 01:03:50,040
Speaker 2: even a favorite style, but barrel age sowers, barrel aid stouts,

1500
01:03:50,080 --> 01:03:51,840
Speaker 2: and those delicious hazy IPAs.

1501
01:03:52,600 --> 01:03:55,440
Speaker 1: That'll be my non answer. Are you to Tori in

1502
01:03:55,440 --> 01:03:58,200
Speaker 1: the Jeff? But I think the best, like the memories

1503
01:03:58,440 --> 01:04:02,720
Speaker 1: associated with great things to me are what you know,

1504
01:04:02,800 --> 01:04:05,840
Speaker 1: it enhances. The ability of the taste is one thing,

1505
01:04:06,120 --> 01:04:09,560
Speaker 1: but like, how much more meaningful is the glass of

1506
01:04:09,560 --> 01:04:11,720
Speaker 1: wine you had when you were in so Noma versus

1507
01:04:11,760 --> 01:04:14,160
Speaker 1: the bottle maybe you drank when you's true, the one

1508
01:04:14,160 --> 01:04:15,880
Speaker 1: you bought at the grocery store, maybe even from the

1509
01:04:15,880 --> 01:04:20,560
Speaker 1: same vineyard. Right, There's something about being there, participating, per taking,

1510
01:04:21,200 --> 01:04:21,600
Speaker 1: which is.

1511
01:04:21,520 --> 01:04:24,160
Speaker 2: Why going back to Becka's question about where to travel,

1512
01:04:24,360 --> 01:04:26,440
Speaker 2: it's got to include somewhere with either good food or

1513
01:04:26,440 --> 01:04:26,920
Speaker 2: good drink.

1514
01:04:27,040 --> 01:04:30,040
Speaker 1: Yeah, and good nature. It's so important for sure. All right,

1515
01:04:30,080 --> 01:04:33,440
Speaker 1: Well that's enough. Yeah, that was a lot, wrap it up. Yeah,

1516
01:04:33,480 --> 01:04:36,280
Speaker 1: thank you guys so much for submitting those questions. Some

1517
01:04:36,400 --> 01:04:38,880
Speaker 1: easy ones, some hard ones, but a lot of fun

1518
01:04:38,920 --> 01:04:40,400
Speaker 1: to get to go over those. And maybe I'll do

1519
01:04:40,400 --> 01:04:42,720
Speaker 1: another one in the future if if you have more

1520
01:04:42,960 --> 01:04:45,840
Speaker 1: hard hitting AMA questions for the hod of money, guys

1521
01:04:46,000 --> 01:04:47,600
Speaker 1: will be up to the other year. Yeah all right,

1522
01:04:47,880 --> 01:04:50,080
Speaker 1: but let's get back to the beer we had on

1523
01:04:50,120 --> 01:04:52,400
Speaker 1: this episode, Matt. This one was called double Top Double IPA.

1524
01:04:52,680 --> 01:04:56,000
Speaker 1: It was a collab between our local bottle shop, Sprayberry

1525
01:04:56,040 --> 01:04:59,080
Speaker 1: Bottle Shop and Academia Brewing Company. What are your thoughts?

1526
01:05:00,000 --> 01:05:01,800
Speaker 2: I thought it was really solid, man. It has been

1527
01:05:01,800 --> 01:05:04,760
Speaker 2: a minute since we've had a hazy IPA, let alone

1528
01:05:04,760 --> 01:05:07,040
Speaker 2: a double here on the show. And because of my

1529
01:05:08,080 --> 01:05:10,160
Speaker 2: the slight cold that I have. I'm not totally sure

1530
01:05:10,160 --> 01:05:12,800
Speaker 2: if I was able to pick up all the nuances

1531
01:05:12,840 --> 01:05:16,200
Speaker 2: of flavor of the different types of pops that they used.

1532
01:05:16,280 --> 01:05:18,200
Speaker 1: I'd just say that there wasn't a ton of nuances,

1533
01:05:18,200 --> 01:05:20,320
Speaker 1: So I don't think it's your cold. It wasn't me.

1534
01:05:20,840 --> 01:05:23,040
Speaker 1: It was good. It's a little sweet, a little sweet

1535
01:05:23,040 --> 01:05:24,560
Speaker 1: for my take, okay, but it was still. It was

1536
01:05:24,560 --> 01:05:26,880
Speaker 1: still I would say, solid, yeah, solid beer. I'm glad

1537
01:05:26,880 --> 01:05:28,479
Speaker 1: you and I were able to enjoy this one today

1538
01:05:28,520 --> 01:05:30,960
Speaker 1: on the podcast, Man, but that is going to be

1539
01:05:31,000 --> 01:05:33,200
Speaker 1: it for this episode. We actually did refer to a

1540
01:05:33,200 --> 01:05:36,080
Speaker 1: couple of resources, like the money mission statements, so we'll

1541
01:05:36,080 --> 01:05:38,120
Speaker 1: be sure to link to that and others up on

1542
01:05:38,120 --> 01:05:40,760
Speaker 1: our show notes on the website at howdomoney dot com

1543
01:05:40,760 --> 01:05:44,160
Speaker 1: for sure. But until next time, Matt, best Friends out

1544
01:05:44,160 --> 01:06:00,360
Speaker 1: and best Friends Out, Okay,