Practical Guide to Money Part 1

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Talking about finances, I I
think I'm hope I'm, I hope I'm

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not alone.
I don't think I'm alone, but

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place that can get your
finances.

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Chick-fil-A, Chick-fil-A out out
to eat.

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And it got me thinking, but so
Chick-fil-A, I feel like

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everyone loves Chick-fil-A.
It's hard to come across someone

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who like, hates Chick-fil-A.
Yeah.

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There, there are people out
there.

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There are people out there.
Yeah, yeah.

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And usually it's yeah, you maybe
it's not necessarily always the

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chicken is not good, right?
Yeah, well, my mother-in-law, so

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Chick-fil-A, we used to
Chick-fil-A used to be like a

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big deal.
Yeah, 'cause that we only had

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them at the Northwoods Mall,
not.

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Northwoods.
Oh yeah, in like malls.

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McCain Mall in North Little
Rock.

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And so we would go and they used
to have chicken on the stick,

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like almost like chicken finger,
like a little thing.

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And that's what she liked.
And she doesn't really like the

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sandwiches.
So she's not a huge Chick-fil-A

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fan.
How dare she.

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How dare she.
Yeah, same thing.

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When I was little, it was like
my grandparents had one in like

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their mall, but we didn't have
one like right around the

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corner.
And then all of a sudden they're

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everywhere and take it over.
Well, I say this because my

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brother has just moved back to
the United States, so I've

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improved for a couple years,
really missed Chick-fil-A.

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Missed Chick-fil-A so much?
Jameson.

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How about you, Jameson?
Yeah, Jameson, I'm sure, I'm

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sure.
Pay attention when he would

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visit the States.
Someone was getting engaged at

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the Chick-fil-A.
That's a very good guess.

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Sorry.
OK, He's known for interrupting

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engagement.
It's kind of his thing.

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But he would, when he would
visit the States, he would order

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a couple Chick-fil-A, like
chicken biscuits, couple number

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one meals, whatever, put it in
his like luggage, fly to Peru.

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It's like it it the way because
you get to Lima's easy, then

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it's a little bit harder to get
to Arequipa where he's at.

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It's like a day and a half of
travel and he's like bringing it

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home to like family and friends
and stuff.

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And they're like, this is great.
I'm like, I like Chick-fil-A,

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but there's like a shelf life
where I'm like, no, I'm not.

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No, after a day or two, I'm not
gonna eat.

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It it's so crazy.
So as you know.

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OK, Yeah.
Tonight, tonight, I'm on tap.

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Oh, to.
Cook Hibachi for the family and

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we got that flat stone or
whatever it's called.

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What is it?
Black Blackstone Flat grill

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that's.
What, you know you've made it in

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life when you're like, I don't
even know what this fancy grill

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is.
Well, it was given to me.

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I'm just kidding, yeah.
Yeah, yeah.

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Just for clear in our financial,
in our financial podcast, it was

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given to me.
But you know, you may or may not

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know that for hibachi rice, you
need to cook it and then like

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let it rest for 24 hours.
So in, in a refrigerator 'cause

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it changes the starch and makes
it stickier and stuff.

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So you're talking about shelf
life.

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Yesterday in the morning, Jill
had made it and it was like hot

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in the, in the pot.
I was like, I just, you know,

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like put it on a cookie sheet,
let it cool off.

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I'll put it in the refrigerator.
OK, Yeah.

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Yeah, makes sense.
Oh yeah, checks.

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Seems like everything's gonna go
great.

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Well, I am driving home from
work and I'm like, I left the

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house without putting it in the
refrigerator.

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So it set out for 5 1/2 hours
and I went to, you know, I, I

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think some people are still like
anti chat.

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But to me it's just like Google
Now.

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I just like say, hey, you know,
this is what happened.

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How long can rice stay out?
I'm going to cook it again.

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It's going to get hot.
And it was like, well, this

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particular bacteria rapidly can
spread through rice when it's at

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room temperature and it can
withstand heat.

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So cooking again wouldn't
necessarily.

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So we I mean, rice is not that
terribly expensive.

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It's just the.
Yeah.

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Not for you, Mr. Moneybags, No.
So we, we, we call it, we have

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this, we have like a raccoon and
stuff in our backyard.

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We call it unbelievable.
So we, we just, we were like,

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OK, we're going to give it to
the boots.

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We just threw that rice out.
People in raccoons.

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The Hawks too, man.
Just feeding this raccoon, you

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know?
Yeah, so.

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I love it.
Well, all that to say, yeah, I

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was thinking, I don't know if
there is a, there's not a fast

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food that I would just
unrefrigerated a couple days and

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be like, this is great.
I don't know.

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But it's like he would take it
home and like give it to like

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hear my friends all they love
Chick-fil-A.

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And it's like you haven't even
had you've had like the two day

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old chicken biscuit at just
like, man, it's where I draw the

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line.
Have you seen folks that have

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they'll they'll unwrap this
McDonald's burger and so they

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get it without, they get it
without the wet sauces.

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So they'll get the cheese, the
burger and the bun.

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No sauce, it's like 10 years
old.

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Oh, I've seen this, Yeah.
And it's like so.

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Gross.
No mold, no nothing.

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It's just kind of desiccated a
little bit.

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Man.
Flaky.

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And they're like, is this what
you want to be put in your body?

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Like this is pumped with
preservatives and whatever.

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I saw a video, oh boy, on this.
And this guy in Russia, of

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course, has this bear and he's
trying to feed it a McDonald's

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burger and the bear would not
eat it.

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It was like and he even like
took the buns away and just

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tried to put the padding in his
mouth and the bear wanted

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nothing.
Man, this is not a test where

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you've had a burger for 10 years
from McDonald's, but go through

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some car seats, you see the
fries, You're like, I don't know

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how long this, this food has
been here.

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This this is not good.
Or like you see, like the dried

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chocolate milk.
That's drift.

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Through car seat cleaning car
seat's honestly one of my

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biggest fears.
It is, it is just always

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terrible.
You find stuff.

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So anyway, spend money on
Chick-fil-A, spend money on fast

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food.
We might talk about some of that

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stuff 'cause that that is a good
practical way.

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Easier said than done, and maybe
it's hard if you're busy, but we

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want to talk finances.
We're talking a lot of finances

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over the next several weeks,
really.

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Yeah, yeah, yeah.
Well, like we said, season 2.

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Season 2.
New background.

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New backgrounds.
Yeah, what?

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What do you merch?
Yeah, new merch.

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Just yeah yeah, merch got
delivered is what I heard.

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Merch has gotten delivered
today.

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Someone got their first shirt,
got a picture of it.

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So that's great.
It is drop shipped.

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I'll just say so you know, we're
not making, we're, we're making,

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we're making a few dollars off
of each.

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So it's a little bit more
expensive than if we were to buy

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it in bulk and have that risk.
But you know it's.

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Ready whenever, whenever you
need it.

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So we'll go ahead and jump into
it.

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So let's take it to the next
level from the hearts of the Low

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Country in South Carolina.
It's the Take Two podcast where

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we take theology to the next
level.

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What I like about this pod,
Michael, is that we're gonna get

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a little practical, not saying
that like we all, we have all

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the answers.
It's not, it's really not A1

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size fits all.
And I think that's what some of

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the value of practical stuff is.
We probably can at least say

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what is not what.
Don't do this.

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Whether we've done it ourselves
or we know this, this is not a

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good formula whether we have the
exact best answer for everyone.

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Yeah, yeah.
And it's hard to say.

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It's not a good, good formula.
Do you?

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I just watched this little
documentary.

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Oh boy, there's this guy who was
trying to get investor loans for

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his business and they wouldn't
give him the loans, blah blah

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blah blah blah.
And he was like, I have $5000,

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it's not enough to make payroll
and so I'm going broke

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regardless.
My only hope is go gamble it.

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He goes to Vegas, starts
gambling that $5000 at

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blackjack, comes home with
$30,000, makes payroll, and in

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that month he secures investor
loans.

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That company day is known as
FedEx.

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Wow, from Memphis.
Memphis shout out.

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Yeah, yeah, yeah.
Wow, honestly.

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But that's yeah.
But we're not saying that was a

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wise.
I'll be right back.

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Got a got a place a couple
couple bets real quick.

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Yeah.
So maybe there maybe it's also a

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spectrum on, you know, wisdom.
Like what would wisdom say?

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Not saying that everything is a
outright sin or terrible, but

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it's maybe it's not wise and
different situations call for

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different actions.
And we're, you know, in this

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finance series, we're going to
talk a lot about scripture.

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We've got some good things lined
up, talking about Michael

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looking at the Old Testament,
New Testament, these really,

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really good questions.
And I think, you know, it's a

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Proverbs earlier and some of
these couple of a podcast

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episodes maybe get into some
more practical matters as we try

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to like piece all this together.
No, that's good.

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So first one on our list.
I think it's foundational to to

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everything that we're doing.
It's foundational, foundational

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to worry and fear and anxiety.
It's foundational to pride and

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being puffed up.
So whether, where, wherever

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you're at on the spectrum of
finances, God is the ultimate

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owner and supplier of all our
needs.

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That's really good and reminding
yourself to look, God owns it

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all.
He owns, you know, cattle on

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1000 hills that that Psalm and
he owns everything anyway.

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Jill makes fun of me for saying
that.

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So Jill does, yeah.
Yeah, So yeah, Jill, Hey Jill,

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if you want to cause trouble,
come here and start something,

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OK?
I don't want to hear you talk

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about my Co host like that, but
it's, you know, when you that,

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that just take a lot of pressure
off of you.

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If you say, Hey, I'm going to
steward things in accordance to

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God, because finances are
stressful.

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There's ebbs and flows,
different seasons.

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It's a lot of responsibility And
you know, looking at it that

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way, then I'm going to steward.
I feel like that's, that's like

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the good Christian word.
Steward steward finance as well.

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That that's what we're called
called to do.

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And I, I like, I like that a lot
where takes a lot of pressure

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off on one hand, but it also I
think gives you a lot of freedom

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to what's that mean?
Like what's that look like?

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Yeah, because what one person,
what one Christian does with

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their finances may be different.
And you know, what your risk

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tolerance is, is going to be
different.

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I remember I was talking to
someone and I wasn't necessarily

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happy with my performance in
Bitcoin.

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And they're asking, well, how
much you have in there?

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I was like 50 bucks so like.
Yeah, yeah.

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I'm like, I'm, you know, I'm, I
guess I'm not very risk tolerant

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when it comes to that kind of
thing, but.

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Yeah, it's one of those things.
Yeah, exactly.

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And if you're not, we might talk
about this later on.

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It's like I've done the thing
where it's like you getting

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Bitcoin and you're like, oh,
it's going terrible and you sell

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it, then it goes up or I don't
know, it's like you got to just

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like, you know, oh.
It's high again, let me buy it.

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Oh no, it's terrible.
Again, let me sell.

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It yeah, you're just like losing
money because you're, you're

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like too much invested
emotionally.

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And by that same token, like you
and I are in a different spot

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than if you're like a single
person with, with no children or

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00:11:01,160 --> 00:11:03,800
if you're living in China or
Russia.

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Different countries, different
economics.

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00:11:06,560 --> 00:11:09,280
There's a whole bunch of, you
know, different things that go

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into the calculus of how you
should spend your money.

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00:11:11,240 --> 00:11:14,080
Might be not OK for you to spend
it that way and OK for someone

230
00:11:14,080 --> 00:11:16,800
else to spend it that that way.
Yeah, there is a guy that I

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00:11:16,800 --> 00:11:21,640
worked with and I don't know if
they chose not to have kids or

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00:11:21,640 --> 00:11:23,520
if they just, you know, had some
fertility issues.

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00:11:23,560 --> 00:11:27,520
I don't know, but they didn't
end up not having any kids and I

234
00:11:27,520 --> 00:11:31,200
know she had some health issues,
but he's telling me that they're

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00:11:31,200 --> 00:11:33,400
retiring.
And he, he kept saying, you

236
00:11:33,400 --> 00:11:37,000
know, got 4.3 million in the
bank, 4.3 million in the bank

237
00:11:37,000 --> 00:11:38,440
and he was like ready to go
spend that.

238
00:11:38,440 --> 00:11:44,040
And then, you know, I'm, I'm,
you know, I got five daughters,

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00:11:44,040 --> 00:11:47,720
5, you know, potentially 5
weddings at private school at

240
00:11:47,920 --> 00:11:50,360
the weddings that's.
Great planning for the future.

241
00:11:50,360 --> 00:11:52,560
We'll have to hit hit on that.
Are you familiar with this term

242
00:11:52,560 --> 00:11:56,400
Dink?
So this is a thing like it's an

243
00:11:56,400 --> 00:11:59,400
acronym for dual income, no
kids.

244
00:12:00,200 --> 00:12:03,200
And it's like, like people set
out to be DINKS.

245
00:12:03,800 --> 00:12:05,560
It's they could work on, they
could work on the name.

246
00:12:05,560 --> 00:12:07,040
Let's be honest, look at a
different acronym, DINK.

247
00:12:07,040 --> 00:12:09,800
It's not.
But they're like O2 incomes with

248
00:12:09,800 --> 00:12:10,800
no kids.
We've got our whole life

249
00:12:10,800 --> 00:12:11,760
planned.
And a lot of times it's

250
00:12:11,760 --> 00:12:14,800
associated with, you know,
retiring early, financial

251
00:12:14,800 --> 00:12:15,760
independence, this kind of
thing.

252
00:12:15,960 --> 00:12:17,720
But their whole goal, which I
don't agree with this.

253
00:12:17,720 --> 00:12:19,920
We're purposely gonna get
married and not have kids.

254
00:12:20,240 --> 00:12:22,120
And to me it kind of seems a
little selfish if that's like

255
00:12:22,120 --> 00:12:23,680
your intent, but.
Those people don't need to.

256
00:12:23,800 --> 00:12:26,640
They have kids.
That's true, that's true, that's

257
00:12:26,760 --> 00:12:28,240
true.
And so their their whole thing

258
00:12:28,240 --> 00:12:30,480
is we both have 6 figure jobs
and it's like this, you know,

259
00:12:30,800 --> 00:12:33,880
but it's it's if you look up,
you can find a lot on there.

260
00:12:33,880 --> 00:12:38,560
You're like, wow, that's like
insane where they are taking

261
00:12:38,560 --> 00:12:41,120
ownership of their finances, but
they're looking at it through a

262
00:12:41,120 --> 00:12:43,840
different lens than viewing God,
you know what I mean?

263
00:12:44,080 --> 00:12:46,120
Right.
And that, you know, I, I, I

264
00:12:46,120 --> 00:12:53,400
don't know if we're going to
talk about Ramses, Dave, really

265
00:12:53,400 --> 00:12:57,560
good practical advice, but money
is not the end all be all like

266
00:12:57,560 --> 00:13:00,040
you can be a good Christian and
have a little credit card debt,

267
00:13:00,080 --> 00:13:01,360
you know.
Yeah, yeah, yeah, yeah.

268
00:13:01,360 --> 00:13:03,240
Not saying it's best financial
but maybe.

269
00:13:03,240 --> 00:13:05,480
You heard it here first.
Max out those credit cards.

270
00:13:05,480 --> 00:13:07,200
I'm just kidding.
No, we're not saying that.

271
00:13:07,280 --> 00:13:10,000
We're not saying that.
But I I'm saying there's more to

272
00:13:10,000 --> 00:13:13,640
life than just your IRA and your
4O1K.

273
00:13:13,920 --> 00:13:16,040
Yeah, that, that, that.
That's a good point, having that

274
00:13:16,040 --> 00:13:18,800
balance where money's important,
but it's one part of the

275
00:13:19,200 --> 00:13:23,840
overarching equation.
I like on here view yourself as

276
00:13:23,840 --> 00:13:25,720
a manager for God.
You know, you're managing

277
00:13:25,720 --> 00:13:29,880
resources and as a manager,
sometimes, sometimes you have

278
00:13:29,880 --> 00:13:32,280
to, you know, push hard in One
Direction or the other,

279
00:13:32,280 --> 00:13:33,240
sometimes take a little more
risks.

280
00:13:33,240 --> 00:13:34,760
Sometimes like, hey, we can't
take risks.

281
00:13:35,120 --> 00:13:38,920
Sometimes, you know, maybe it's
not ideal to like not see your

282
00:13:38,920 --> 00:13:41,160
family for a week, but you're
like, I got to provide for my

283
00:13:41,520 --> 00:13:43,600
you make these decisions that
aren't totally black and white,

284
00:13:43,600 --> 00:13:47,000
but it's like, you know, you are
managing and stewarding and

285
00:13:47,000 --> 00:13:49,800
you're, you're living in, you
know, different situations with

286
00:13:49,800 --> 00:13:53,680
different, different actions.
That's good #2 yeah.

287
00:13:54,000 --> 00:13:56,480
I like I like this one.
One I could probably do better

288
00:13:56,480 --> 00:14:01,120
at is Practicing Generosity.
I think that's great and I think

289
00:14:01,120 --> 00:14:04,440
that I think what a lot of
people think is, well, when I

290
00:14:04,440 --> 00:14:08,240
get to X amount, I can really
practice generosity.

291
00:14:08,240 --> 00:14:10,120
I've got that a lot.
I mean like, you know.

292
00:14:10,280 --> 00:14:12,560
Yeah.
Or when I get up here and I

293
00:14:12,560 --> 00:14:15,800
think like as you get higher,
obviously your generosity should

294
00:14:15,800 --> 00:14:18,520
go up.
But even if you have a little

295
00:14:18,520 --> 00:14:20,760
bit, you can still give a little
bit.

296
00:14:20,960 --> 00:14:25,440
And what I would recommend is
find an organization like

297
00:14:25,440 --> 00:14:29,040
Compassion International or
other local organizations that

298
00:14:29,040 --> 00:14:32,320
are taking care of people, not
America.

299
00:14:32,800 --> 00:14:35,440
There are people in America that
have financial distress.

300
00:14:36,120 --> 00:14:41,200
But the people like you take the
poor person in America and

301
00:14:41,200 --> 00:14:45,240
compare their lifestyle to a
rich person in some other

302
00:14:45,240 --> 00:14:50,080
places, and it's still like that
poor person is doing a doing a

303
00:14:50,080 --> 00:14:51,200
lot better.
You know, everyone's in a

304
00:14:51,200 --> 00:14:54,320
different situation, but I've
definitely no, no judgement,

305
00:14:54,320 --> 00:14:55,400
even though this is going to
stop, don't you?

306
00:14:55,400 --> 00:14:57,360
When someone says, hey, no
judgement, usually it means

307
00:14:57,360 --> 00:14:58,600
we're about to make a judge
mental statement.

308
00:14:58,600 --> 00:15:01,720
That's what I'm doing.
Here, no disrespect but you are

309
00:15:01,720 --> 00:15:04,880
the worst person I know.
Exactly right.

310
00:15:04,880 --> 00:15:06,320
And everyone's different.
I don't know everyone's

311
00:15:06,320 --> 00:15:09,360
finances.
Physical therapist, I've been

312
00:15:09,360 --> 00:15:12,040
in, you know, some people's
homes who I don't know their

313
00:15:12,040 --> 00:15:13,320
situation.
I'm sure there's good reasons.

314
00:15:13,560 --> 00:15:18,880
You know, they're on Medicaid
and you know, welfare and I'm

315
00:15:18,880 --> 00:15:22,160
like, man, I wish I could afford
afford this cable package they

316
00:15:22,160 --> 00:15:23,040
have or you know what I'm
saying?

317
00:15:23,040 --> 00:15:25,800
You're like their whole their
whole financial picture isn't

318
00:15:25,800 --> 00:15:27,440
great, but there's certain
subsets.

319
00:15:27,440 --> 00:15:29,320
You're like, wow, you really
wouldn't all out on those

320
00:15:29,320 --> 00:15:31,040
speakers, huh, bro?
Like, you know what I mean?

321
00:15:31,040 --> 00:15:34,200
It's kind of funny, but
everyone's kind of different And

322
00:15:34,240 --> 00:15:37,520
and I would probably agree with
you that for most people in the

323
00:15:37,520 --> 00:15:39,840
United States, like not that
you're going to be a

324
00:15:39,840 --> 00:15:42,760
bajillionaire, but maybe it
requires you to move to a

325
00:15:42,760 --> 00:15:44,760
different city.
Maybe that's a really hard thing

326
00:15:44,760 --> 00:15:48,920
to do, but you you can do, you
can change your circumstances

327
00:15:48,920 --> 00:15:51,920
and you can probably do OK, even
if it's not comfortable.

328
00:15:51,920 --> 00:15:54,800
It might be like, Hey, the it's
very expensive by the coast.

329
00:15:54,800 --> 00:15:56,280
It's like, hey, move middle of
the country.

330
00:15:56,280 --> 00:15:57,600
Maybe you don't want to stay
there forever.

331
00:15:57,600 --> 00:16:00,400
But anyway, so so bucks that I
think I agree with you that some

332
00:16:00,400 --> 00:16:02,400
people they don't have that
ability.

333
00:16:03,720 --> 00:16:08,160
And furthermore, to one of your
points, you know, in therapy, I

334
00:16:08,160 --> 00:16:10,640
think this is true for like
everything, but you know, the

335
00:16:11,360 --> 00:16:15,560
most likely indicator of you
having future back pain is a

336
00:16:15,560 --> 00:16:18,560
history of back pain.
And it's like that with

337
00:16:18,560 --> 00:16:19,560
anything.
If you sprain your ankle,

338
00:16:19,560 --> 00:16:21,960
pregnant, sprain your ankle and
get again, if you've never had

339
00:16:21,960 --> 00:16:24,280
any back problems, you're more
likely not to.

340
00:16:24,600 --> 00:16:27,760
If you don't practice generosity
when you have a little, you

341
00:16:27,760 --> 00:16:29,440
might not really be as
interested as you think you

342
00:16:29,440 --> 00:16:30,680
might be when you have a lot.
Yeah.

343
00:16:30,760 --> 00:16:32,840
No, that, that is good.
Yeah.

344
00:16:32,880 --> 00:16:36,600
So there's a classic story in
the Bible.

345
00:16:36,840 --> 00:16:40,360
Someone practicing generosity
giving the widow's mite.

346
00:16:41,040 --> 00:16:43,120
Yeah, that is, that is good.
She gave her last.

347
00:16:43,160 --> 00:16:47,480
And so now there's also another
story there that they had this

348
00:16:48,440 --> 00:16:50,720
donation box out much longer
than what they should have.

349
00:16:50,720 --> 00:16:55,320
So, but yeah, she still had, she
still gave with a, with a, with

350
00:16:55,320 --> 00:16:57,680
a good heart, you know?
Man, and we've all, you know,

351
00:16:57,680 --> 00:17:00,680
2nd Corinthians 9.
It's like one of those passages

352
00:17:00,680 --> 00:17:04,520
that everyone, everyone hears a
lot that God loves a cheerful

353
00:17:04,520 --> 00:17:06,440
giver.
It's like, and we've all

354
00:17:06,440 --> 00:17:09,160
probably been there too.
Sometimes I've given generously

355
00:17:09,440 --> 00:17:11,359
sometimes.
And it's like, not cheerfully.

356
00:17:11,359 --> 00:17:13,200
It's like, you know, it's good
to have, have those things

357
00:17:13,200 --> 00:17:14,200
together.
You know what I mean?

358
00:17:14,960 --> 00:17:18,960
And it is, it is, it is great
when, when you can give and it's

359
00:17:18,960 --> 00:17:23,079
just being able to trust God,
having that sacrificial giving.

360
00:17:23,079 --> 00:17:26,400
And, and so a real practical way
is you, you probably should give

361
00:17:26,400 --> 00:17:28,280
to your local church.
We'll probably talk about giving

362
00:17:28,280 --> 00:17:30,360
a lot more in a upcoming
episode.

363
00:17:31,520 --> 00:17:33,560
What's a good place to give?
You know, we're sitting here and

364
00:17:33,560 --> 00:17:37,760
I know this isn't banned for
time, but half baked idea, we

365
00:17:37,760 --> 00:17:41,720
should require it that as the
offering plate goes by and you

366
00:17:41,720 --> 00:17:46,160
put something in or when you go
back to our on our electronic

367
00:17:46,160 --> 00:17:48,760
giving, once that's complete,
you start laughing.

368
00:17:48,960 --> 00:17:51,000
You just go ha ha ha.
You know, like, 'cause it's a,

369
00:17:51,480 --> 00:17:53,200
it's a cheerful giver.
That's a great idea.

370
00:17:53,520 --> 00:17:56,600
Like, we'll have like, you know,
like a light switch you turn on.

371
00:17:56,600 --> 00:17:59,160
It's like a sign that says like,
laugh, like, and it gets the

372
00:17:59,160 --> 00:18:00,520
crowd to laugh.
Like there's TV.

373
00:18:00,520 --> 00:18:03,040
She gets to come.
You can't laugh, then we

374
00:18:03,280 --> 00:18:05,240
probably probably wouldn't want
to say that.

375
00:18:05,920 --> 00:18:07,280
Yeah, If you can't laugh, don't
give it.

376
00:18:07,360 --> 00:18:08,480
Well, you can go ahead and.
Give it.

377
00:18:08,480 --> 00:18:12,720
Let's give anyway, but that's
great and it's easy to I like

378
00:18:12,720 --> 00:18:15,480
this other note on here.
I think this is a broader

379
00:18:16,000 --> 00:18:19,400
principle for church culture and
being a church member is don't

380
00:18:19,400 --> 00:18:22,320
just don't just consume like
it's good to live your life

381
00:18:23,000 --> 00:18:26,640
giving, whether it is financial
or in any other way.

382
00:18:26,640 --> 00:18:27,920
It's like out of every
interaction.

383
00:18:27,920 --> 00:18:29,880
You just don't want to be a
taker all the time.

384
00:18:30,840 --> 00:18:34,600
That probably wears on people,
but if you can just give, I

385
00:18:34,600 --> 00:18:37,360
think that that changes your
whole outlook and you know

386
00:18:37,360 --> 00:18:38,840
you're probably going to be a
happy person.

387
00:18:39,000 --> 00:18:41,880
Yeah, I'll say one more thing
about people in America who are

388
00:18:41,880 --> 00:18:45,440
in tough spots.
Sometimes the dollar bill is the

389
00:18:45,440 --> 00:18:49,880
easy thing to do, give them, but
it's not what they need and the

390
00:18:49,880 --> 00:18:53,800
sacrifice that, you know, they
may need and obviously within

391
00:18:53,800 --> 00:18:56,920
bounds of safety and reason and
and we live busy lives.

392
00:18:56,920 --> 00:19:01,800
But sometimes, you know, I, I
have, there's one place where we

393
00:19:01,800 --> 00:19:05,480
stopped for gas between Arkansas
and here and the guy was asking

394
00:19:05,480 --> 00:19:07,320
me for money and I was like, I
won't, I won't give you money.

395
00:19:07,320 --> 00:19:10,560
But he's like, well, I'm hungry.
I'm like, here's a Waffle House.

396
00:19:10,560 --> 00:19:14,160
I'll I'll go in and I'll pay for
your meal, but I'm not going to

397
00:19:14,160 --> 00:19:16,440
give you any money.
And so I just, you know, I said

398
00:19:16,440 --> 00:19:17,760
let him order and I'll pay for
it.

399
00:19:17,760 --> 00:19:20,160
And they're like, he's here all
the time, So you don't have to

400
00:19:20,160 --> 00:19:21,120
do this.
I'm like, that's fine.

401
00:19:21,120 --> 00:19:22,200
I don't mind.
Yeah, I don't mind.

402
00:19:22,400 --> 00:19:25,320
Yeah, but so there.
But that took longer from for

403
00:19:25,320 --> 00:19:25,960
me.
Yeah, it's a.

404
00:19:26,080 --> 00:19:27,040
Commitment.
Yeah.

405
00:19:27,240 --> 00:19:29,440
More so because it.
Yeah, it's easy even on your end

406
00:19:29,440 --> 00:19:31,840
just to be like, here's this and
that.

407
00:19:31,840 --> 00:19:33,080
That's really good.
I like that principle.

408
00:19:33,080 --> 00:19:38,240
Practice generosity.
One that's not as fun is #3 live

409
00:19:38,240 --> 00:19:39,320
within your means, no.
It's not.

410
00:19:39,720 --> 00:19:42,440
As fun it's it's this is the out
to eat.

411
00:19:42,720 --> 00:19:47,040
This is the, you know, nice car.
The nice house really could

412
00:19:47,040 --> 00:19:48,400
probably apply this.
As a hunting lease.

413
00:19:48,880 --> 00:19:50,160
And then hunting.
Hunting lease.

414
00:19:50,160 --> 00:19:54,160
Yeah, You know, how do you try
to avoid debt?

415
00:19:54,280 --> 00:19:57,800
Live within your means, honor
God, have some, you know, good

416
00:19:57,800 --> 00:20:01,520
financial peace about you.
There's this proverb, Proverbs

417
00:20:01,520 --> 00:20:05,160
22 seven, that says the borrower
is slave to the lender.

418
00:20:05,160 --> 00:20:07,640
And when you start living
outside of your means, it can, I

419
00:20:07,640 --> 00:20:10,000
think it can get out of control.
And once it's out of control,

420
00:20:10,080 --> 00:20:14,360
it's hard to reel that back in.
And I think, you know, for us

421
00:20:14,360 --> 00:20:17,200
personally, we, we've and I
don't know if it's inflation or

422
00:20:17,200 --> 00:20:19,800
what, but we felt like we were
really good at this.

423
00:20:19,840 --> 00:20:22,320
And then like the last couple
years, it's like, wow, it seems

424
00:20:22,320 --> 00:20:23,920
like everything is more
expensive.

425
00:20:25,240 --> 00:20:26,200
You can't.
It's tougher.

426
00:20:26,200 --> 00:20:29,880
Like you think we we think we're
living with our means and like

427
00:20:29,880 --> 00:20:33,240
we're not changing anything, but
our discretionary spending bill

428
00:20:33,240 --> 00:20:36,520
has gone down.
I, I know what you mean where

429
00:20:36,560 --> 00:20:40,400
there was a time when I was a
kid, I could literally go to

430
00:20:40,400 --> 00:20:43,200
Wendy's and I could get
something like for 4 bucks.

431
00:20:43,200 --> 00:20:46,560
I could like eat a meal like I
would be full dollar menu was

432
00:20:46,560 --> 00:20:50,560
actually good.
And I mean, I usually don't go

433
00:20:50,560 --> 00:20:52,840
dollar menu now, but it's like
you get #1 it's like that'll be

434
00:20:52,840 --> 00:20:54,080
12 bucks.
You're like what?

435
00:20:54,400 --> 00:20:56,320
Right, it is.
It is crazy.

436
00:20:57,040 --> 00:21:00,120
Same story, we had a Taco Bell
that was in a gas.

437
00:21:00,120 --> 00:21:04,200
Station.
And like if you had 4-5 dollars

438
00:21:04,400 --> 00:21:05,960
you could eat like a king.
I love.

439
00:21:06,240 --> 00:21:08,160
It yes.
You could, you know, I would

440
00:21:08,160 --> 00:21:12,640
get, I would get a drink and
this burrito and this Nacho

441
00:21:12,640 --> 00:21:15,440
Supreme.
And it's like you can't do that

442
00:21:15,440 --> 00:21:16,280
these days.
Yes.

443
00:21:16,280 --> 00:21:19,320
So I guess if we want to drill
down a little more, how do you

444
00:21:19,320 --> 00:21:22,760
live within your means?
What are good, good principles?

445
00:21:22,760 --> 00:21:26,920
And I think the thing that makes
it hard is, you know, I drive a

446
00:21:26,920 --> 00:21:29,000
minivan.
You, you drive a minivan.

447
00:21:29,000 --> 00:21:30,520
I mean, you guys have a minivan,
right?

448
00:21:30,920 --> 00:21:34,000
Yeah, yeah, yeah.
You look out like if I go out to

449
00:21:34,000 --> 00:21:35,600
all my neighbors, like no one
has minivans.

450
00:21:35,760 --> 00:21:38,640
It's all like these like super
nice, like Yukons or Suburbans.

451
00:21:38,640 --> 00:21:40,840
And it's like before I got a
minivan, I was like, I'll just

452
00:21:40,840 --> 00:21:42,360
get a Suburban.
And then I like, I didn't

453
00:21:42,440 --> 00:21:44,160
realize, oh, this is a bajillion
dollars.

454
00:21:44,160 --> 00:21:47,040
Minivans are very cheap.
But it's like, you know, you

455
00:21:47,040 --> 00:21:50,680
look out and everyone's got such
nice things too.

456
00:21:50,680 --> 00:21:54,160
And that makes it hard.
How what are some, what's some

457
00:21:54,160 --> 00:21:56,720
good practical advice?
How do you make sure you're

458
00:21:56,720 --> 00:21:59,520
spending what's appropriate to
your financial situation?

459
00:22:00,040 --> 00:22:05,280
Well, I we were talking, you
know, one thing that we did that

460
00:22:05,440 --> 00:22:07,520
I looked back and went, oh, that
was not very smart.

461
00:22:08,560 --> 00:22:11,280
When we were first married, we
bought a car new.

462
00:22:11,680 --> 00:22:12,880
OK, yeah, yeah.
What did you get?

463
00:22:14,280 --> 00:22:15,760
A Chrysler Pacifica.
Chrysler.

464
00:22:15,880 --> 00:22:17,400
Oh, OK, yeah.
Yeah, when they're when they're

465
00:22:17,400 --> 00:22:20,760
when they were the wagon.
Oh yeah, the first, the first

466
00:22:20,760 --> 00:22:25,000
launch of them and you know,
it's, it's fine.

467
00:22:25,000 --> 00:22:30,440
It, it served.
We drove it to like 160,170

468
00:22:30,440 --> 00:22:34,240
thousand so and then sold it.
So, you know, but you know,

469
00:22:34,240 --> 00:22:37,480
there's a lot that you're paying
extra in a new car.

470
00:22:37,480 --> 00:22:38,720
So we don't buy new cars
anymore.

471
00:22:38,720 --> 00:22:40,400
I think that's one practical
way.

472
00:22:40,400 --> 00:22:44,360
We ours are always used like
our, our in laws are like, well,

473
00:22:44,360 --> 00:22:47,160
we're about to sell this car.
I'm like, that's about that way.

474
00:22:47,560 --> 00:22:49,840
I have a car, you know.
Perspective is all different and

475
00:22:49,840 --> 00:22:53,680
I I count myself fortunate
because one way that Leanne and

476
00:22:53,680 --> 00:22:57,520
I have been able to save money
over the years is hey, when my

477
00:22:57,520 --> 00:22:59,000
parents are like, hey, we're
done with this car.

478
00:22:59,000 --> 00:23:00,960
Do you want it?
We'll take a car for free.

479
00:23:00,960 --> 00:23:03,640
Granted we're not driving like
fancy things like when we were

480
00:23:03,640 --> 00:23:06,920
first married, we drove probably
for two, maybe not two years,

481
00:23:06,920 --> 00:23:11,320
like a year and a half a 2003
Toyota Sienna like minivan as a

482
00:23:11,320 --> 00:23:13,360
married couple like everyone's
like, oh, you guys are ready to

483
00:23:13,360 --> 00:23:16,880
have kids and we're like, no,
no, no, it just it died.

484
00:23:17,120 --> 00:23:20,240
My parents gave me their old
Prius and not everyone has it,

485
00:23:20,240 --> 00:23:23,240
but it's, there was also a side
of me that was like, man, I

486
00:23:23,320 --> 00:23:26,400
don't want to drive this.
I'm, I'm 23 years old.

487
00:23:26,440 --> 00:23:27,880
Why am I driving a mini van or
something?

488
00:23:27,880 --> 00:23:31,680
But you know, I was like, and I
think everyone's different.

489
00:23:31,680 --> 00:23:34,720
God has blessed me with like not
being a car person.

490
00:23:34,720 --> 00:23:37,880
Like I don't, you know, like
that's not like where I love

491
00:23:37,880 --> 00:23:39,400
'cause there's some people, it's
like that's their thing.

492
00:23:39,400 --> 00:23:40,640
And that's great.
If you work on cars, great.

493
00:23:40,640 --> 00:23:43,400
I've got my own things that I
like that I wait, you know,

494
00:23:43,640 --> 00:23:45,920
spend money on and stuff.
But cars are not one of them.

495
00:23:45,920 --> 00:23:47,280
They just have to be very
expensive things.

496
00:23:47,280 --> 00:23:48,600
I'm like, they're already
expensive enough.

497
00:23:49,720 --> 00:23:52,840
Tell me about this.
Do you, how closely do you guys

498
00:23:52,840 --> 00:23:54,880
budgets?
Are you writing down everything?

499
00:23:54,880 --> 00:23:57,440
Is it like once a year you do a
strict budget and then are you

500
00:23:57,520 --> 00:24:01,600
tracking it so closely?
Well, I'm the spender of the

501
00:24:01,600 --> 00:24:04,200
family.
Jill's the saver of the family,

502
00:24:04,360 --> 00:24:07,160
typically.
Also also practical advice.

503
00:24:07,440 --> 00:24:09,400
Maria Saver.
Maria Saver.

504
00:24:09,520 --> 00:24:12,720
Yeah, yeah, yeah.
Well, yeah, I think you can if

505
00:24:12,720 --> 00:24:15,160
you have two savers together.
That's hard to be charitable.

506
00:24:15,160 --> 00:24:15,920
It's hard to.
Be.

507
00:24:16,560 --> 00:24:21,360
There needs to be some balance
there, but I'll say we used to

508
00:24:21,560 --> 00:24:23,840
and we stopped because we
weren't using it as much.

509
00:24:23,840 --> 00:24:27,680
But there is a good app if, if
you want to do the do it called

510
00:24:29,280 --> 00:24:31,000
you need a budget.
Why not?

511
00:24:31,000 --> 00:24:32,320
Yeah.
Yeah, yeah, yeah.

512
00:24:32,640 --> 00:24:35,800
And like that's like from Dave
Ramsey does he does.

513
00:24:35,840 --> 00:24:37,240
He advertise it.
I don't know.

514
00:24:37,240 --> 00:24:40,160
I have no idea.
So you can put in, you know,

515
00:24:40,160 --> 00:24:43,040
what you want to spend on it
and, and and stuff.

516
00:24:43,040 --> 00:24:45,920
And we were, we got to where
we're kind of doing it after the

517
00:24:45,920 --> 00:24:49,800
fact.
So I was like, why am I spending

518
00:24:49,800 --> 00:24:52,800
this money on this app if I'm
not going to use it the right

519
00:24:52,800 --> 00:24:54,880
way?
But yeah, so we do sit down, we

520
00:24:55,040 --> 00:24:59,000
give out some, you know, some
broad numbers, but we could do

521
00:24:59,000 --> 00:25:02,040
better about dialing it in.
I would say I'm like in a

522
00:25:02,040 --> 00:25:05,360
similar position.
There's like used to be maybe

523
00:25:05,360 --> 00:25:09,400
more like once a year or there's
comes a time where I like really

524
00:25:09,400 --> 00:25:12,360
look closely, like try to dial
it in and then and like re maybe

525
00:25:12,360 --> 00:25:14,200
readjust some of those numbers
based on things that have

526
00:25:14,200 --> 00:25:16,800
changed but have some
guidelines.

527
00:25:16,960 --> 00:25:18,800
Because the other side of it is
you can live.

528
00:25:18,840 --> 00:25:20,600
You can live by that.
I think people that do that,

529
00:25:20,600 --> 00:25:21,680
it's good.
That's probably good.

530
00:25:21,680 --> 00:25:23,680
I should do better in.
Yeah, but you can like live by

531
00:25:23,680 --> 00:25:24,920
that spreadsheet too.
Yeah.

532
00:25:25,440 --> 00:25:28,960
And that, that I think that also
can be a problem where you're

533
00:25:28,960 --> 00:25:31,640
you're being very good with your
money, but you're also kind of

534
00:25:31,640 --> 00:25:33,560
making money.
And I like you're almost, it's

535
00:25:33,560 --> 00:25:35,480
like, I don't know, you know.
There's got to be a balance.

536
00:25:35,960 --> 00:25:38,160
There's got to be that balance.
I think Wynapp is not Dave

537
00:25:38,160 --> 00:25:40,600
Ramsey.
I think his is like every doubt

538
00:25:40,600 --> 00:25:42,040
there's something, but they're
similar.

539
00:25:42,040 --> 00:25:44,560
But I just looked it up and
they're like it's big thing

540
00:25:44,560 --> 00:25:45,520
online.
I don't know but.

541
00:25:45,800 --> 00:25:50,520
You know, we have made some
changes like we, you know, it's

542
00:25:50,560 --> 00:25:55,760
easy if you have kids in sports
and stuff, but let's just eat

543
00:25:55,760 --> 00:25:56,960
out tonight.
Let's just eat out tonight.

544
00:25:57,240 --> 00:26:00,840
And we're like, OK, we have got
to rein this in.

545
00:26:01,160 --> 00:26:06,160
So it is a rare, rare occasion
for us to eat out not on a

546
00:26:06,160 --> 00:26:08,240
Sunday.
So we will like one day a week.

547
00:26:08,400 --> 00:26:11,000
That's good.
Like that's, that's our kind of

548
00:26:11,000 --> 00:26:12,600
a time.
And some of you people may say

549
00:26:12,600 --> 00:26:14,680
that's still too much.
Like I remember growing up and

550
00:26:15,000 --> 00:26:16,880
it may have been once a month
that we ate out.

551
00:26:17,120 --> 00:26:19,960
So it's still one one day a
week, still feels a little bit

552
00:26:20,400 --> 00:26:24,320
with seven kids, but we try to
find reasonable places to eat,

553
00:26:24,320 --> 00:26:25,960
you know?
Yeah, I think, I think it's

554
00:26:25,960 --> 00:26:27,120
good.
Challenging to do, but that's

555
00:26:27,120 --> 00:26:29,920
really good.
We as a family don't eat out

556
00:26:29,920 --> 00:26:32,800
very much either.
I probably eat out too much work

557
00:26:32,800 --> 00:26:34,680
related.
I'm trying.

558
00:26:34,680 --> 00:26:36,720
This is bad excuse, but I come
out on the road in between

559
00:26:36,720 --> 00:26:38,360
houses and stuff, you know,
running around.

560
00:26:38,360 --> 00:26:41,680
So that's one area I've gotten
better at, which I'm still I'm

561
00:26:41,680 --> 00:26:46,320
still not where I need to be.
Leanne is the saver, especially

562
00:26:46,320 --> 00:26:51,360
with so many small kids close in
age and they're all boys pricing

563
00:26:51,400 --> 00:26:52,760
all girls.
Like hand me down.

564
00:26:52,760 --> 00:26:54,880
Like it's easy to keep clothes
and it's like they make it.

565
00:26:54,920 --> 00:26:59,840
All the way buckets in our attic
and we're just now starting to

566
00:26:59,840 --> 00:27:02,480
clear them out now.
Hey, hey, you never know, Maybe

567
00:27:03,080 --> 00:27:05,360
maybe someone, another girl.
Would come along.

568
00:27:05,360 --> 00:27:08,720
Yeah, yeah, yeah, yeah, yeah.
But yeah 'cause kids clothes

569
00:27:08,720 --> 00:27:10,160
ain't cheap.
Wait what?

570
00:27:10,160 --> 00:27:12,480
A RIP up to wear something for
like 3 months and then you like

571
00:27:12,480 --> 00:27:13,680
grow out of it when you're that
little?

572
00:27:13,720 --> 00:27:16,880
Yeah, that is that is the case.
And we, we've never been like,

573
00:27:17,280 --> 00:27:19,560
we have to get our kids the
latest, greatest styles or

574
00:27:19,560 --> 00:27:20,840
anything like, yeah.
Right.

575
00:27:21,160 --> 00:27:23,840
Yeah.
Speaking of keeping up with the

576
00:27:23,840 --> 00:27:26,840
Joneses, there are some families
where you're like, are your kids

577
00:27:26,840 --> 00:27:28,880
wearing, like really nice
clothes all the time?

578
00:27:28,880 --> 00:27:31,640
Like, are we just, like, bought?
Like, what are we doing with it?

579
00:27:31,640 --> 00:27:33,640
You know, what's going on?
That's a big expense

580
00:27:33,640 --> 00:27:36,560
potentially.
Yeah, I did most of Phoebe's

581
00:27:36,560 --> 00:27:41,160
clothes summer, summer shopping
at Walmart and it's just like

582
00:27:41,160 --> 00:27:44,320
55555 she's going.
To spill stuff on it anyway.

583
00:27:44,320 --> 00:27:45,560
And she's going to like get
grass stained.

584
00:27:45,560 --> 00:27:47,560
It's like, that's just like what
a kid's being like, you know,

585
00:27:49,040 --> 00:27:52,520
I'm right there.
I'm right there with you living

586
00:27:52,520 --> 00:27:55,360
within your means.
And my kids are a little, you

587
00:27:55,360 --> 00:27:58,760
know, I'm sure their needs and
wants the expense grows.

588
00:27:58,760 --> 00:28:02,320
Like right now, if we go out to
eat, like kids can share meal

589
00:28:02,320 --> 00:28:05,520
like it's like the it's we can
make it cheap, but the it's

590
00:28:05,520 --> 00:28:08,120
coming soon.
Jackson eats more than anyone.

591
00:28:08,120 --> 00:28:10,040
He's only 6.
And it's like, that's going to

592
00:28:10,040 --> 00:28:13,760
be a bad day when like, you
know, even just you don't come

593
00:28:13,760 --> 00:28:16,200
out your grocery bill, like
you're saying everything has

594
00:28:16,200 --> 00:28:19,200
gotten expensive for Williams.
Like, hey, FYI, grocery budgets

595
00:28:19,200 --> 00:28:20,560
got to go up.
I'm not buying anything

596
00:28:20,560 --> 00:28:22,960
different, right?
But it's gotten a significantly

597
00:28:22,960 --> 00:28:24,160
more expensive over the last
couple of.

598
00:28:24,160 --> 00:28:27,560
Years but we like to do this is
Jills favorite thing when we sit

599
00:28:27,560 --> 00:28:30,160
down as a family meal she'll
like aren't kids.

600
00:28:30,640 --> 00:28:33,200
How much did this meal cost and.
Like that's actually good.

601
00:28:33,400 --> 00:28:37,440
OK, compare this to what we
spent Sunday like so you know,

602
00:28:37,480 --> 00:28:40,280
you got to be wise with, you
know, with what, what what

603
00:28:40,280 --> 00:28:43,160
you're spending, so.
That's great too, and I'm sure a

604
00:28:43,160 --> 00:28:44,640
lot of neighborhoods are like
this.

605
00:28:44,640 --> 00:28:46,040
If you just get on that
neighborhood, stay up.

606
00:28:46,040 --> 00:28:48,800
Don't be on social media too
much, but just enough when

607
00:28:48,800 --> 00:28:51,360
people are giving away all their
free stuff where it's like,

608
00:28:51,440 --> 00:28:54,040
that's how we get our bikes and
that's how we get like all like

609
00:28:54,160 --> 00:28:56,200
Jane's got, you know, you know,
Yeah.

610
00:28:56,240 --> 00:28:58,240
What bunk beds?
But yeah, yeah, we.

611
00:28:58,240 --> 00:29:00,160
Didn't give it away, but it was
it was good we got.

612
00:29:00,160 --> 00:29:03,520
A deal We got a deal from the
MOTS and it came with it's,

613
00:29:04,120 --> 00:29:06,800
yeah, still holding up great,
which, you know, surprising

614
00:29:06,800 --> 00:29:08,720
because I'm sure they treat
those things terribly, but yeah.

615
00:29:08,720 --> 00:29:10,160
And it came within some
installation.

616
00:29:10,160 --> 00:29:10,520
It's.
Great.

617
00:29:10,520 --> 00:29:13,960
Yeah, free installation.
Michael helped out there, but

618
00:29:13,960 --> 00:29:17,280
there's a lot of little things
Leanne does really well at yeah,

619
00:29:17,280 --> 00:29:19,640
doing like the yard sailing,
doing like looking at those

620
00:29:19,640 --> 00:29:22,960
neighborhood things that's been
that's been really, really

621
00:29:22,960 --> 00:29:26,480
helpful because that my default
is you want something that's

622
00:29:26,480 --> 00:29:28,680
good, you want something that's
and there is a balance like

623
00:29:28,680 --> 00:29:30,400
there's somethings unique
quality that's going to cost a

624
00:29:30,400 --> 00:29:32,800
little more, but they're just
going to last longer like kids

625
00:29:32,800 --> 00:29:34,200
clothes, not one of those
things.

626
00:29:34,200 --> 00:29:36,280
Those things are disposable,
whatever, you know what I mean?

627
00:29:36,760 --> 00:29:42,280
So trying to figure out all of
those different things and then

628
00:29:42,800 --> 00:29:44,840
I guess we can we can stop at
this next one will be at a good

629
00:29:44,840 --> 00:29:48,960
stopping point.
Save and invest wisely.

630
00:29:48,960 --> 00:29:51,040
It's important to save,
important to invest or you're

631
00:29:51,040 --> 00:29:54,720
going to wind up one day.
And it's expensive to live.

632
00:29:54,760 --> 00:29:57,600
I go to all these assisted
livings and it's like, boy, you

633
00:29:57,600 --> 00:30:00,960
ever have to go assisted living,
Be ready to shell out some money

634
00:30:01,520 --> 00:30:04,560
even for not nice places.
It's, you know, you just spend

635
00:30:04,560 --> 00:30:09,400
so much, it's crazy.
Proverbs 21 five says the plans

636
00:30:09,400 --> 00:30:13,080
of the diligent lead surely to
abundance.

637
00:30:13,120 --> 00:30:16,320
And you know, I think we see
investing, we see these

638
00:30:16,520 --> 00:30:17,960
parables, we see things on
Proverbs.

639
00:30:17,960 --> 00:30:21,720
We see it's, it's good to invest
for your future.

640
00:30:23,120 --> 00:30:26,120
And so, you know, what, what are
some ways we can invest?

641
00:30:26,120 --> 00:30:27,520
What what?
What are some good practical

642
00:30:27,520 --> 00:30:35,200
steps to take?
What you know just the financial

643
00:30:35,200 --> 00:30:36,760
side of it?
Like thinking of it as a

644
00:30:36,760 --> 00:30:39,760
financial planner, you know if
your company has four O 1K

645
00:30:39,760 --> 00:30:41,520
matching.
Yeah, that's no brainer.

646
00:30:41,600 --> 00:30:45,240
Take advantage of it.
Although I heard that you know

647
00:30:46,280 --> 00:30:49,360
that companies use that just as
a tax write off.

648
00:30:49,480 --> 00:30:51,920
So somehow they get extra tax
write off for it.

649
00:30:51,920 --> 00:30:54,200
So that's why they do it.
I believe it not out of the just

650
00:30:54,200 --> 00:30:57,600
the generosity of their heart
starting young.

651
00:30:57,960 --> 00:31:02,360
Starting young, that's probably
the big I was like every I don't

652
00:31:02,360 --> 00:31:03,760
know, I've read something one
time.

653
00:31:03,760 --> 00:31:08,240
It's like man, if you just like
kids born put 1000 bucks and

654
00:31:08,240 --> 00:31:10,040
contribute like $50.00 a month
or something.

655
00:31:10,040 --> 00:31:12,160
It's like by the time there's 65
there'll be a millionaire just

656
00:31:12,160 --> 00:31:16,440
just because of the time.
You know, that is good not to

657
00:31:16,440 --> 00:31:22,320
not to totally wait there.
Yeah, the automated 4O1K that

658
00:31:22,320 --> 00:31:25,600
that that that's a good one.
I really like HSA.

659
00:31:25,600 --> 00:31:29,320
I'm just, I just Max out that
HSA all the time because it's

660
00:31:29,320 --> 00:31:30,040
just.
You know.

661
00:31:30,880 --> 00:31:34,000
Tax protected times 3 and that
thing just.

662
00:31:34,200 --> 00:31:35,920
Didn't mean for HSA.
Is that health?

663
00:31:36,120 --> 00:31:38,160
Health savings accounts, Yeah,
yeah, yeah.

664
00:31:38,160 --> 00:31:40,680
Not to be confused with a
flexible savings or spending

665
00:31:40,680 --> 00:31:43,760
account or whatever.
The FSAHSA is where it's at.

666
00:31:43,760 --> 00:31:47,960
And a lot of companies also
contribute to HSAS as well.

667
00:31:48,000 --> 00:31:50,760
The problem with HSA, you only
can contribute a small amount.

668
00:31:50,760 --> 00:31:53,240
It's, you know, every year.
So you can't like take as much

669
00:31:53,240 --> 00:31:57,800
advantage of it as like a four O
1K or an IRA or something like

670
00:31:57,800 --> 00:32:00,800
that.
Other side of it, you know, if

671
00:32:00,800 --> 00:32:04,480
you're handy or entrepreneurial
and want to do like rentals or

672
00:32:04,480 --> 00:32:07,720
that kind of thing a little bit
maybe more risk, you know, maybe

673
00:32:07,720 --> 00:32:10,000
a little bit different.
Everyone's kind of built

674
00:32:10,000 --> 00:32:12,400
different based on what their
skill set is and what they're

675
00:32:12,720 --> 00:32:16,360
willing to jump into where I
think the rental side I think

676
00:32:16,360 --> 00:32:18,400
sounds really fun, but I think
it probably comes with, you

677
00:32:18,400 --> 00:32:21,040
know, more, more challenges.
So you know.

678
00:32:21,960 --> 00:32:23,280
Now do you have you have
rentals?

679
00:32:23,280 --> 00:32:24,040
Right, I do.
I do.

680
00:32:24,520 --> 00:32:28,280
Have rentals 2.
Oh, I, I, I'm trying to, I'm

681
00:32:28,280 --> 00:32:31,240
pumping the brakes on the
rentals, but I, I think I'm good

682
00:32:31,240 --> 00:32:34,360
where I'm at.
We got 5 and we're just like

683
00:32:34,360 --> 00:32:36,160
hanging out there, but they're.
They're one in Cabot.

684
00:32:36,640 --> 00:32:38,360
Arkansas, yeah, that's my pride
and joy.

685
00:32:38,400 --> 00:32:40,120
Cabot, They're they're on the
middle of the country where

686
00:32:40,120 --> 00:32:42,880
they're not in Charleston
because Charleston's expensive

687
00:32:42,880 --> 00:32:47,800
and you can get good, good deals
or you could get good deals

688
00:32:47,920 --> 00:32:51,480
years ago, like pre like, Oh
man, you could buy homes.

689
00:32:52,240 --> 00:32:54,080
I mean they're not the nicest
homes in the world, but you

690
00:32:54,080 --> 00:32:57,640
know, they'll get tenants in
there for like 140,000 like you,

691
00:32:57,640 --> 00:33:00,000
you could now you can't get that
anywhere.

692
00:33:00,000 --> 00:33:04,000
But that was like that was, and
I was like reevaluating.

693
00:33:04,000 --> 00:33:05,080
I think in the long run it's
good.

694
00:33:05,080 --> 00:33:07,800
It's kind of like a forced
savings account where just the

695
00:33:07,800 --> 00:33:10,160
equity building up is good.
It's not like I'm cash flowing

696
00:33:10,160 --> 00:33:13,000
up the jillion dollars, but I
think it's good.

697
00:33:13,000 --> 00:33:16,160
But also if I put all my money
in the stock market, like over

698
00:33:16,160 --> 00:33:18,600
the last eight years, it's been
really good too.

699
00:33:18,600 --> 00:33:20,400
You know what I mean?
It's like, as long as you are

700
00:33:20,400 --> 00:33:22,360
like putting your money
somewhere, I'm like, you're

701
00:33:22,360 --> 00:33:26,440
probably doing, doing OK.
Not that THX or whatever that

702
00:33:26,440 --> 00:33:28,280
fund was.
What was the fund where the guy

703
00:33:28,480 --> 00:33:30,960
stole all the money?
Yeah, you just got to avoid like

704
00:33:30,960 --> 00:33:33,040
massive scams and you'll be OK.
Just walk.

705
00:33:33,560 --> 00:33:37,840
And then one note I put on
there, invest in your health.

706
00:33:37,960 --> 00:33:41,400
Like maybe you do a gym
membership or maybe you do get

707
00:33:41,400 --> 00:33:42,600
some.
You don't really need a

708
00:33:42,600 --> 00:33:45,680
membership, but you know, I
think there's something to that

709
00:33:45,680 --> 00:33:48,640
where you can have a lot of
health problems as you get older

710
00:33:48,640 --> 00:33:49,520
or you can have, you know what I
mean?

711
00:33:49,520 --> 00:33:51,520
It's like save you money.
Yeah, that's what I'm saying.

712
00:33:51,520 --> 00:33:55,160
And you're just a if you're.
Saying an ounce of provision

713
00:33:55,680 --> 00:33:57,720
prevention is worth a pound of
cure?

714
00:33:58,840 --> 00:34:01,280
Yeah.
Yeah, nailed it where you're

715
00:34:01,280 --> 00:34:03,560
just more vibrant person, you
can probably work hard, you

716
00:34:03,560 --> 00:34:05,360
probably have better
productivity, you probably can

717
00:34:05,360 --> 00:34:07,320
spend more valuable time with
your family if you just like

718
00:34:07,320 --> 00:34:09,760
work out a little bit, you're
like semi healthy so.

719
00:34:10,040 --> 00:34:13,520
Longer work, Yeah, Yeah, you
don't need to retire soon.

720
00:34:14,080 --> 00:34:15,600
Yeah, you, you.
I think there's a lot of

721
00:34:15,600 --> 00:34:18,360
benefits there.
I think the challenge is you can

722
00:34:18,360 --> 00:34:21,520
say, hey, I'm eating everything.
Or like, you can go and you're

723
00:34:21,719 --> 00:34:23,800
actually spending a lot of money
and it's like, OK, there's some

724
00:34:23,800 --> 00:34:26,199
risk reward that falls off where
you're like, OK, I'm not eating

725
00:34:26,199 --> 00:34:29,679
Chick-fil-A, but maybe I don't
need like the most pristine

726
00:34:29,679 --> 00:34:32,199
whatever.
Keep mentioning Chick-fil-A.

727
00:34:32,480 --> 00:34:33,840
I know man, so I love
Chick-fil-A.

728
00:34:33,920 --> 00:34:36,800
Chick-fil-A an idol, too.
Idol.

729
00:34:36,840 --> 00:34:39,360
Chick-fil-A and then when it
comes to working out, you could

730
00:34:39,360 --> 00:34:41,920
probably just do a fine workout
at your home by a couple

731
00:34:41,920 --> 00:34:43,199
weights.
Probably don't need to spend

732
00:34:43,199 --> 00:34:45,639
like $500 a month and you're
like, I'm just being healthy.

733
00:34:45,639 --> 00:34:48,120
Maybe that is excessive too.
All this, all that.

734
00:34:48,120 --> 00:34:50,400
And then we mentioned this.
But I, I, I, I think this is

735
00:34:50,400 --> 00:34:51,760
important.
Like you, you need to be a

736
00:34:51,760 --> 00:34:55,400
little bit flexible.
Like whether it's like you, you

737
00:34:55,400 --> 00:34:57,360
can move or you can try a
different career path.

738
00:34:57,360 --> 00:35:00,160
Like if you're just like so
inflexible, maybe that's why

739
00:35:00,160 --> 00:35:01,440
things aren't going great.
I don't know.

740
00:35:01,720 --> 00:35:04,560
I I, I saw this story where
people are talking about that

741
00:35:04,560 --> 00:35:09,480
moving to other countries where
they're like, we live like

742
00:35:09,800 --> 00:35:15,840
royalty and, you know, I get
paid, you know, this salary, you

743
00:35:15,840 --> 00:35:20,000
know, I can work remotely.
And it's like we have this villa

744
00:35:20,200 --> 00:35:25,240
and we have these housekeepers
and it's like, because the, the

745
00:35:25,240 --> 00:35:29,080
cost of living there so much
lower than it is in certain

746
00:35:29,080 --> 00:35:29,880
areas.
Yeah.

747
00:35:29,960 --> 00:35:33,000
So I I.
Think, I think there's something

748
00:35:33,000 --> 00:35:35,320
to some of that.
If it's like, hey, there's a

749
00:35:35,320 --> 00:35:37,720
good opportunity and it's a
couple hours anyway.

750
00:35:37,720 --> 00:35:40,480
If it, if it comes down to, you
know, providing for your family

751
00:35:40,480 --> 00:35:43,000
or that kind of thing, well,
that's great.

752
00:35:43,120 --> 00:35:45,520
We're, we're halfway through the
lists because it's a lot of

753
00:35:45,520 --> 00:35:47,520
practical advice.
We'll, we'll, we'll, we'll shoot

754
00:35:47,520 --> 00:35:51,880
another one of these out.
Anything You were telling me how

755
00:35:51,880 --> 00:35:54,720
if you saw Dave Ramsey in an
alley, you would just punch that

756
00:35:54,720 --> 00:35:56,160
guy in the face?
Oh, I didn't say that.

757
00:35:56,160 --> 00:35:57,120
Oh, just kidding.
Oh, yeah.

758
00:35:57,160 --> 00:35:59,280
So we followed.
We we followed a lot of.

759
00:36:00,000 --> 00:36:03,160
Yeah, my my parents like.
Took a course to say, you know,

760
00:36:03,200 --> 00:36:05,360
yell freedom yet.
Yeah, yeah, the mortgage is not

761
00:36:05,360 --> 00:36:08,320
paid off yet, but.
Yeah, honestly, yeah.

762
00:36:08,680 --> 00:36:10,760
Maybe we can talk about him a
little more next episode.

763
00:36:10,760 --> 00:36:15,120
Like not having a lot of debt is
a good a good place, good place

764
00:36:15,120 --> 00:36:17,160
to be.
I don't maybe we can here's a

765
00:36:17,160 --> 00:36:19,880
little, well, I'm just going to
stop talking or we're going to

766
00:36:19,880 --> 00:36:21,520
keep talking.
But that, that, that's great.

767
00:36:21,520 --> 00:36:23,560
Any any last minute.
Words.

768
00:36:23,640 --> 00:36:26,800
Yeah, just say that.
Chicken Minis.

769
00:36:29,560 --> 00:36:32,120
Phoebe wanted to know today
because Jill was in one of these

770
00:36:32,120 --> 00:36:35,920
situations where she needed to
just grab some food and Phoebe

771
00:36:35,920 --> 00:36:37,480
want to know why.
If it's chicken mini, why

772
00:36:37,480 --> 00:36:40,440
there's only four in there?
Chicken Mini.

773
00:36:41,280 --> 00:36:45,040
I see, I see so so nice.
I like that got the puns at a

774
00:36:45,080 --> 00:36:47,160
young age raising your.
Daughter, well, I think she's

775
00:36:47,160 --> 00:36:50,040
just generally confused mini
versus mini.

776
00:36:50,040 --> 00:36:52,800
She wasn't making a pun.
She was like, yeah, yeah, great.

777
00:36:53,280 --> 00:36:57,360
Well, well, we'll be back with a
second-half of this later.

778
00:36:57,800 --> 00:37:00,840
That's our take.
Thanks for listening to Take

779
00:37:00,840 --> 00:37:03,080
Two.
Find us wherever you find

780
00:37:03,080 --> 00:37:05,600
podcasts and on YouTube for
those who want to watch our

781
00:37:05,600 --> 00:37:06,280
video cast.