How To Get Other People To Pay Your Mortgage w/ Craig Curelop

and that is your mortgage or your rent. And we are so passionate about cutting expenses here because little changes can make such a big impact in your financial life. So we're going to tell you how you can make a big, big impact, Yeah, by being resourceful and creative and Craig's got some really great tips. So we encourage you. Got you all to listen through this episode, um and figure out how this might work for you, regardless of the type of living situation you're in. So yes, excited

to see what comes of this. And first art sponsors also brought to you by friendship bracelets. Want to have a tangible sign of your devotion to one, maybe two individuals, consider a friendship bracelet. Everything else we did in the late nineties is coming back in style. Why not friendship bracelets. Friendship bracelets far better than blood bonds. But don't you dare remove it for any reason or else it's over.

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or get any or wear any um. I just had the stockpile of friendship bracelets and very few friend art. All that is. That is one of the saddest things I've heard today. And I'm a therapist. Sure, tiny gen tiny sitting behind all of these friendship bracelets, just pondering life. Chen, I will wear one for you. Maybe we can sell them now, Maybe we can turn this sad story into a good story and sell them on our website. And it actually a real sponsor for us. We digress. Let's

get into this interview. Hopefully this will make you happy. I'm sure Craig would be your friends. I'm I'm sure. He seems like a great guy. He is on staff with Bigger Pockets, which is a real estate investors group. It helps people find real estate deals, helps investors and landlords and flippers get ideas, get together and just help each other. It's a website, a podcast, a book publisher,

and Craig's is their latest book. It's called The House Hacking Strategy and it has fantastic I have been flipping through it and it's full of good, reasonable advice on how you can have other people literally pay your mortgage. Yeah, that's something I'm super into. Let's do it. Welcome to the show, Craig. We are so excited to have you here. Yeah, thanks for having me. I really appreciate you having me

on absolutely such a good topic to talk about. You know, we have mentioned house hacking before when we talk about ways to save money on housing, but we've never done a deep dive into it, and it can seem really intimidating if you don't know the ins and outs of it. It's a simple concept, but still any any time you're buying a house. That's like a big deal. So I'm excited to pick your brain and talk about all of the ways you lay out how to do house hacking

in your book, The House Hacking Strategy. H Well, I'm excited for you to pick my brain. So yeah, all right, so let's basic. Yeah, don't invite us that deep. Yeah. For for people you may not have heard us talk about house hacking or forget what it is. What is house hacking? Yeah? So, house hacking is the idea that you purchase a one to four unit property for a

low percent down typically three to five down. You live in one part, rent out the other parts, such that the rent is fully covering your mortgage, and you live for free or maybe even less than free, meaning you get paid to live there while you're building equity in a house, while you're paying down your loan and just saving tons and tons of money. That was a really sustinct, like elevator speech on house hacking. Thanks for that you

have right. I'm curious about the low percent down. Why is that part of the house hacking equation, because many people believe that you need to in order to buy a house, you need to put down twenty or but that's just not the case. When you actually are planning to live in the property, you can put down three to five percent down, And if it's your first home, there might be even some other products out there, like loan products out there where you can put even less

than that down. And if you're in the military, there's a v A loan where you can actually get into a house with zero percent down. So it's just a really powerful way to start to purchase your first home and just totally eliminate that rent expense or mortgage expense, right. It really reduces some of the barriers to intrigue by

that specific portion of this. How did you get into this, Craig, Yes, So it all started when basically I really hated my job out in Silicon Valley when I was living out there at the time, and I just realized that I

did not want to work for forty plus years. Really, the straw that broke the camel's back was when my girlfriend at the time and I were going down to Big Serve, which is like a beautiful part of California with no cell reception, had a wonderful weekend and on Sunday night, I got back in my boss at me an email saying I had to get this report out by eight a m. Eastern time on Monday a k a. Five am Pacific. And so was the last night that I was going to spend with this girl for a

very long time because we were both moving away. So we were both really upset. She was really upset, I was really upset, and I just thought to myself, Man, is this what the rest of my life is going to be like I continue to proceed through this career path? Is this is what it's going to happen? And I just decided that there's no way I want this to happen.

So I discovered the whole idea of financial independence, and then I figured about out about real estate, bigger pockets, house hacking, and I just realized that house hacking was by far the best and most effective way to achieve financial independence very quickly. Wow, so what is your quitting story? How how soon after that experience, that pivotal time did you leave that job? So I discovered I'll tell you the exact date, so June eleventh, two sixteen, is when

that email was sent to me. Then I just started to do education for like six months while at the job, while basically like all of my days were consumed of real estate, education and financially and it's education. And then I went on a trip to South America for a month, came back, and I quit on March seventeenth, I believe it was two thousand seventeen, and then moved to Denver

and started at Bigger Pockets on April three. Seen, so that whole learning and figuring stuff out kind of took nine months, and I closed my first house sech in June, so that's kind of where the time it really started. WHOA. It's so amazing to me to look back on some of these very pivotal moments. I'm sure your previous boss would have had no idea that sending that email on June eleven, two thousand and sixteen, it was going to set the trajectory for you of well leaving but all

these other things that you've pursued in life. It's just so mind boggling to have that perspective on things and knowing that it can be something so small in either direction that can set our life trajectory, oh for sure. And it's just like that was just a straw that of the Camel's back. Obviously there were a lot of things leading up to that, but yeah, I mean, I'm actually super grateful for hating my job and all of that happening, because if I hadn't gone through that, then

I definitely would not be where I am today. So yeah, gosh, Craig, it's so encouraging I think, and for anybody that's that might be listening or as we're in conversations with people that yeah, there there are options. Sometimes we can feel so trapped either by our finances or our work situation or living situation to think like this, this is how it's going to be for the rest of my life, and it doesn't have to be so trapping that that

there are options to be able to get out. So that's a whole other reason why I'm excited about this conversation, because it's creative. House hacking is a means to possibly financial independence if that's what you're interested in, or other financial goals. So incredible. Thanks for sharing that backstory. Yeah, no problem, that's what it's all about, right. What did that first house hack look like for you? Yeah, so the first out stack is definitely the most entertaining story.

The first one was a duplex that I bought in Denver, Colorado. It was a mile and a half from the office that I worked and about five blocks north of City Park, which is Denver's largest park, And so would say they're both units were one bed, one bath, top bottom. I rented out the top lived in the bottom, but the rent from the top wasn't quite covering my mortgage for

the whole unit. So what I did instead was rented out my bedroom on Airbnb, and I made a quasi bedroom out of the living room by putting up a curtain in a room divided with a frut on behind it and slept on a foot for a year and had a revolving door of Airbnb guests coming in and out. Oh my gosh, I that is insane. Yeah, how did the airbnb guests respond to that? There? Guests, they knew what it was, right, they rented out a private room,

not an entire place. I was very elier and had pictures of like the curtain and stuff in the pictures, so they knew the kind of what to expect. And most people were actually really welcoming to it because they want a local experience and because I was a quote unquote local. I could kind of tell them what restaurants you go to, what are fun things to do? If they were alone, I kind of was their friend for a few days. I'm gonna come home to talk to

you know. I've made it. I made quite a few friends doing that, and some I'm still in touch with today. That's awesome, that's amazing. How long I mean that takes a certain type of person to be able to share a space like that, like you're living space. How how long did you have capacity for that type of situation? Yeah, I did it for one year. Towards the end, it was getting a little bit rough. I don't I don't think it was because the situation was rough. It was

just because I could see the end. So I was just so ready to to be out and have my own room again. But I'll be honest, like, if I had to go back again, I would do it all over again because it put me in such a great financial position. It was really the foundation everything that I have right now. And also it's a good story, so it gets people interested and I can write about it and talk about it and stuff. So I didn't even

think about that at the time. But yeah, right, for anybody else considering sharing space like that, what what would you have them to think about beforehand, Like any tips that you learned from that time of not really having your own space. There's a common misconception out there that someone is going to come in and murder you or

something like that. And I will say that most people that come into airbnb s are good people, and most people in the world are good and I will always continue to believe that, and you do make a lot of friends that way. Now, it is a little bit it feels a little bit weird, right, Like I own this structure and I've got people above me making noise. I've got people in the bedroom making noise, and I'm just like confined to the sixties square foot space in

my living room that I created for myself. So it is a little bit of a slog to get through it. But just for one year, Like doing that just for one year has probably taken decades off of my life, So I will take that's a great point having it be time limited, that yeah, it probably wouldn't be feasible for an indefinite amount of time, but to have said, yeah, I'm going to do this because it's going to help

me reach a goal. And that is one of the ways that you like strategies that you say house hacking can be. It doesn't have to just be while you did buy a duplex, it's not. You can buy a single family home and rent out a room like on airbnb. That's what we do. We have a three bedroom home and the front room and the front bathroom we rent out on Airbnb. And we used to be booked solid until we had our baby, and now we just do it kind of, maybe two or three stays per month,

and it's something that helps us with the mortgage. While we were doing it NonStop, it almost paid for our mortgage. But yeah, so many people are good people. Some are a little questionable, but for the most part, everyone is super cool. If you're the type of person that's willing to stay in somebody's home, you're just like on a different level than somebody that's not willing to do that, and I think that makes that type of person really cool. So we've loved all of our guests. Yeah, say, there

were very few that I didn't like. There were and there were something that were almost just too friendly and I just couldn't wait to get them out because they wouldn't shut up. But that's the flip side of getting murdered. It's getting too much kindness. Right, If you can handle the kindness, then Airbnb will be good for you. Okay, exactly where all do you house hack now, Craig? Because I I was saving so much money on that first one, I was able to save up and buy a second

house hack. So the second one, which is not where I currently live now, but the second one was a single family house that I rented up in Thornton, Colorado, which is just outside of Denver. And this was a five bed, two bath house and this time I actually had my own bedroom, so I lived in the bedroom and rented out all of the other bedrooms and on a long term lease. So no Airbnb on this one.

And that was fully you know, that fully covered my mortgage plus more like, it was about a thousand dollars over my mortgage and I was living for free. So you add all that up and you're talking close to of savings per month. That doesn't even include really the loan pay down and the appreciation on the property. So it's just such a powerful way to build wealth. Sure, and I love that you encourage people to do this

even with single family homes. I think that that's a lot of that that's a barrier for a lot of people thinking, well, I don't have a duplex or a triplex, so I can't do this. But you're saying no, live in a room, share the rest of the space, or rent out a room or rent out the basement, or figure out creative ways to be able to utilize the space because chances are I mean, well, nobody can be in the same room or in different rooms all at one time. So usually you got space you can share

with people and make some money for sure. Yeah, it's always rich dead, poor dad or Robber Kasai said it best right when it's the whole saying you can't versus how can you? So really just kind of think creatively and figure it out because there's a way to do any Yeah. I mean, we love that about frugality. It's all about becoming resourceful and not just stopping your mindset at oh I can't do that, but opening your mind

to understand how you could. I love that. So for people that want to get into like traditional house talking like the duplex triplex type, where do you suggest they look to do this. I live in a city where real estate is pretty expensive right now as a first time home buyer, would that still be a good area for me? Or should I look outside of that? Or how would I go about determining the area. So yeah, I think the first thing you want to do is

kind of pick what strategy you want to do. Are you okay with getting a duplex, triplex or quad or

are you okay with a single family home? You know, typically places that are more expensive at this point typically are going to appreciate a lot more, which means you probably won't get as much cash flow, which I suggest if you're doing your first couple of house hacks, a couple of real estate investments, you should first purchase for cash flow and then once you're financially independent through the real estate and then you can start playing the equity

and appreciation place. But to answer your question, I would say, what strategy do you want to do? If you want to do the traditional, then obviously need to do do plex, triplex or quality. But I would really say just try to be flexible and take what the market gives you, because you're not going to really force the market's hand. Okay, yeah, definitely. Now, of course you've got investors, real estate investors out there

doing this to make money. What are some recommendations for just first time home buyers, maybe just getting their feet wet in house hacking, not necessarily trying to make this their business, but maybe more their side hustle or something to pay off their mortgage. What tips do you have for those folks. So many investors are going to go out there and they're going to try to undercut the seller, right,

they want the best possible price in the house. When you're a house hacker, you have an advantage, and that is because you could literally buy the house at asking price and you will still be way better off than if you were to be renting or continuing in your current situation. An investor is gonna try to take grand off, but grand on your mortgage payment is really not that much. It might be like thirty or forty a month, So why don't you just let the seller keep his money,

let the transaction go through. You can start that time because you need to live in the property for one year as the loan will stipulate, and then you your timer starts, and then twelve months after you close you can get your second one. And the longer you wait and the long and the more deals that you get denied from, the longer is gonna take for you to start actually building your wealth and actually purchasing real estate.

So that's kind of the advantage is that you don't have to undercut and you don't need to you know, your margins aren't as whim as other investors are. Yeah, that's so interesting because when we were buying our house, we tried to find more of a fixer upper, but since the real estate market here was still hot, we were getting just cut out by real estate investors paying

all cash. But the fact that if you're doing a house hack and you're living in it, you can actually afford to pay the seller a little more and they will definitely go with you over an investor for that, that's awesome for sure. For sure. Any specific words of wisdom or recommendations, I know that you have properties in different locations, At what point would you recommend somebody considering that option for themselves. It's really when you feel comfortable.

Investing out of state is honestly like a whole different subject, you know, there's David Greene wrote a book on how to invest in long distance real estate or whatever. And really you just have to be comfortable building a team, be comfortable with an area, and really have hone in on your evaluation skills on property managers, on contractors, on

agents and all those kind of things. And once you're comfortable with that, then I would recommend, hey, giving it a try, but I would recommend maybe getting a couple of house hacks under your belt, just because it's a great transition and it's much easier to house hack than

it is to invest out of state. I know some people will get themselves into the situation accidentally, Like let's say they bought a house and then experience a job change and of difficulty selling it, so then they consider, yeah, what if I rent or airbnb? But they never really intended to have properties in different states. But luckily you can rent and still get some money for it. But definitely wisdom to try it first. Yeah, if that's the case,

you just find a good property manager. You know, you don't really need a construction team and an agent and all that kind of stuff. You just you know, ask around and get on bigger pockets and ask people in your area if they have a property manager and see who they're using. Yeah, Craig. So if somebody is now really interested in house hacking, because like how couldn't you, but maybe their spouse knows nothing about it or is skeptical about it, Like, how would you get about getting

your spouse or family on board? Yeah, this is always a fun question to answer. So if you're trying to get your spouse or family on board, I wouldn't try to do it all at once. I would definitely try to plant the seed, right, So plant the seed about real estate investing, plan the seat about house hacking. And then so we ease them into hey, this is what this is, this is what it could do for us. Show them the numbers, right, show them, Hey, you know,

right now we're paying a month in housing. If we house hack, we can actually maybe make five hundred, six hundred dollars a month, and that's a two thousand dollars swing. If we can save all that over time, we'll be able to quit our jobs in just a few years and then do the things that we really love to do and spend time with family and travel and do whatever.

I would definitely recommend not making it just like, hey, we can make a lot of money this way, but have some sort of emotional tie to it, and and tell them what house hacking will enable them to do with their lives, rather than just say, yeah, we can make like a hundred thousand dollars over the course of a year if we house hack, right, That's kind of would be my approach. But definitely make it a slow approach.

Maybe show some some success stories of maybe some someone blogging or a podcast or whatever it is that people who are actually doing it. Maybe give them my book and you can see all the case studies in there that show all those success stories and how they're doing it. Yeah,

just just slowly kind of introduce it. Yeah, Yeah, that's that's great advice and shared information and resources is usually a way to have good conversation, like you said, the book, the podcast and being able to get people on board that way rather than your own ability to debate. Right. But it's the same way you get somebody on board with paying off debt. From what it sounds like, it's just being persistent, consistent, but also backing off and being

kind when you need to be, just being patient. Exactly. Great tips, Craig. You know what else is great the week. That's right, it's time for the best minute of your entire week. Maybe a baby was born and his name is William. Maybe you paid off your mortgage. Maybe your car died and you're happy to not have to pay that bill anymore. That build Buffalo bills, Bill Clinton, this

is the bill of the week, Craig. Every week we invite either our listeners or our guests to share with us their favorite bill of the week, and it is our favorite time of the week, and we're excited to hear yours. Do you have one ready for us? Yeah? I do actually remember a schoolhouse rock and there's Bill, the guy who like sings a song about how to make it. I'm gonna I think he's probably my favorite Bill I've ever met. It's amazing that, yes, that you've

ever met. I love how you feel as though you've met him just because you've you've watched the video. We're friends, right, It's just like you've watched SpongeBob and all those guys are they're there their childhood friends. Yes, SpongeBob is not my friend. I have always thought he was so annoying. You know, I'm so sorry. Before I would not have done the same year. He's popular with all the kids. And I guess maybe I was just on the cusp of being too old to enjoy SpongeBob, and that's why

I just never got into it. I was like, this is dumb. Though, it's just so dumb. We do not get any smarter, Oh my gosh. No. Well, if you have a bill that makes you smarter, or maybe it doesn't make he's smarter, who cares? We won't and Judge submit it to us at Frugal Friends podcast dot com slash bill and we will play it on the podcast. We will laugh, and we never know what the bills are before we hear them live on the show, and so all of our reactions are genuine, just like just

like my reaction to SpongeBob, it's genuine, authenticnest. We never make sofa you might. I hope you don't lose any listeners for that one. But we're just refining our audience, Craig. We're really looking for quality over quantity. Were started really refined.

I can't even argue with that. I can't even Yeah. Well, that leads us into our second favorite time of the week, the Lightning Road, and it's as intense as ever, this is the Lightning Round, the round that is the same as the first half the show, but with a more catchy name. So and just as in annoying to your ear drums. People love it, Jill, They love it. So we're just going to ask you a few more questions

with succinct or lengthy answers, you choose. We're we're not picking this is the Lightning Round, but the answers don't have to be short. So, Craig, what are the top expenses people should factor into their house hacks? So they're missing out there. They're avoiding the mortgage technically, but what expenses should they be prepared for? So there are always going to be a little bit of maintenance costs when you move in. You may not like something that you

might want to change. The house will never be fit to your exact wanting, so you'll just you know, I would make sure you have a little bit of reserves for that. And there's always something that goes wrong to right, like you might have a leak that happens or whatever, and something's gonna go wrong over the course of the year, probably three or four times. To just make sure that

you have some reserves set aside. You know, I mentioned in the book too that you always want to set aside a portion of the rent to quote unquote reserves, which is includes capital expenditures. Capital expenditures are like you need to replace the roof someday, so set aside a little bit of money each month for that maintenance is you know, the leaky faucet or those kind of things.

And also vacancy is the big expense that doesn't actually come out of your paycheck or like you don't actually get money for it, but you're not getting money for when your place is not rented, so you always also have to be careful of that. Yeah. Yeah, what's your experience with tenants so far? How have you found so apart from Airbnb gas, what have more long term tenants been? Like? Yeah, so,

most of them have been really good. The ones that I have screened and done minded diligence on have been wonderful. There have been two that I got greedy and very lazy on very recently, where I did not screen them properly. It was only a month to month lease that I let them on, and it ended up in the worst possible I guess that's the worst possible scenario, but one of the worst possible snarias that could have happened is

exactly what happened. So basically what happened was I let these two people into my house in the basement, and they wanted to rent out the rooms as I was redoing my basement, and I said, oh, what the heck, Yeah, I'll take the extra money. I'll make way more than my mortgage during this interim time and it's only months monthly.

So what's the worst that could happen. Well, my contractors were down there redoing the basement and they're ripping up the carpet by the hallways, and they smelled this atrocious smell. No one knew what it was. I asked them all these questions. They couldn't quite point a finger as to what the smell was. So I looked up both people and one of them was on our county's most wanted list for very hard drugs. So I expect that one of these people was doing either crack or myth or whatever.

I don't know what those smell like, and I don't think they can actually pinpoint it. So I was like, oh crap, So now I've because I've been lazy, greedy and did not follow my own advice about screening your tenants. Here, I am. I just got cocky because it was my third deal and I can do all these good things now, right. My cockiness laziness cost me that. And so what I did was I just said, hey, you guys need to

get out by the end of the week. I will give you your security deposit, give you your rent, and pay you five dollars to just get out. And they both took that offer and left within the week. So thank god, I got lucky that they just listened to my offer and took it. But if they did not, would have been much much worse. So yeah, seriously, do not take any shortcuts on screening tenants. That is a lesson I learned there. All right, Wow, good word to

the wise. Thank you. Yes. Um, So, now that you have a few house hacks under your belt, what did you do after that? Like what came next? Well, I guess I still am house hacking, so nothing has officially come next yet, but what I plan to have come next? Obviously, you know I've written the book on house hacking. That was pretty big. Um, I'm going to start doing a little bit more real estate investing, but not house hacking.

Do a thing called the Burr strategy, which, if your listeners don't know, is you buy a property, you rehab it, you rent it. Because the rehab increases the value, you can refinance it, pull all of your money out, and then you can just take that money that you pulled out and repeat and just build your portfolio that way. So I plan to do a little bit more of those in the future. And yeah, and I hope you know.

I think I've officially hit the financial independence point. So I'm really gonna work for another year or so because I do love my job here at Bigger Pockets, But then I'll probably travel for a little bit and kind of figure some stuff out. So awesome, where do you want to travel too? I just want to take a couple of years and just go around the world. I don't really want to have a plan, just pop on a bus and kind of go wherever. And yeah, just kind of be a free spirit for a little while,

basically backpacking. Yeah exactly, I've done some backpacking before, so yeah, it'll be really fun. I enjoy it, oh for sure. Yeah, I'll probably have, you know, my own blog and might even have my own podcasts and stuff at the time as well, just to just to learn, just you know, so I can. I feel like I need to be contributing in some way, even if I am on vacation for two years, so that always working. Yeah, you're a person of such high capacity. There's no way you wouldn't

want to put your hands to something while you're enjoying yourself. Yeah, exactly, awesome, Craig. Where can people learn more about you and get your book and dive deeper into this house hacking content. Yeah, so you can get the book at Bigger pockets dot com slash house hack, and if you want to follow me or be friends with me, you can follow me on Instagram. I'm at the five guy. All right, Well,

thanks so much for coming on the show, Craig. Um. I hope this inspires a lot of our listeners to explore house hacking and looking at ways they can monetize where they live or where they will live in the future. I also hope they get your book to learn how to do it. The book is The house Hacking Strategy. It's really real good, real good. That was so great. Yeah,

I am very excited to do this myself. We are still in a camper, So as much as I say, you know what, stop all your excuses, share your space with other people and make money. That is really not possible in seventies square feet, but you are sharing your space like with your spouse, like all of the space is shared, and that is helping us towards our financial goals.

So it's a different version of house hacking. But we do have our site set on purchasing property in the next couple of years and really excited to be able to do this house hacking thing in some capacity. So really glad to have had the info ahead of time

from Craig and all the good tips he brings. Yeah, and I have enjoyed our past almost two years now renting out our front room on Airbnb, and it was something that really made us good money for a good year and a half and it was never something we planned to do forever but until we had kids, and so now that we have kai, we do it very loosely, so I block out days very liberally and just do what works for me. And I'm still getting an extra two to six dollars a month just for opening up

the front room of my house. So it's very little effort but a big return, and that is really the essence of frugality, you know, if we're being honest. Yeah, you've done so well with airbnb. Yeah, there's so many ways to get creative. And I love what you said during the interview of just being resourceful. Such a good word to describe frugality. Yeah. I talked about that in my book that's coming out in just several several weeks now. Geez, so many books to read. I know, I know, I

got a budge of my time, I know. But for this month, we are reading remat said He's second edition of I Will Teach You to Be Rich. I just I finished this on audio book this summer. It is so fantastic, and so I'm excited for this month's book club book awesome. And if you want a free copy of this book, I Will Teach You to Be Rich, leave a copy for Nope, if you want to pass copy, just keep copying and copy that. Uh. Leave us a

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how have I just found this podcast? I feel like these girls are the frugal friends I've been looking for. I r L. Not that I don't already have a few. I really appreciate their practical tips, and I'm excited to try the cook at Home Challenge, which we just ended. Yes, I love how listening to this podcast is like having a light but insightful conversation with good friends who understand

frugality and what is truly important. Loving this content and can't wait for the next episode, Jess, Yes, yes, yes, that's all I can say to this review. Yes, yes, yes, we are yessing with you in real life. Yes, well that's a great review, um, but don't let that hinder you from writing your own good review with your personality sprinkled all through it. It can be no, no, no, as long as it's five stars. So, but how silly would that be if you let a horrible review. No no,

no doesn't have to be a horrible review. They could tie it in and make it a good review. I don't know that's that's really but maybe it. Try Try it with challenge for the week. Tell me how it goes. In the meantime, join us over on our Frugal Friends community group on Facebook. Chat with us there, read the book save some Money? How is hack? We don't care, but we'll see you next week. Frugal Friends is produced, edited and mixed by Eric Syria. How would the no

no no review go? No, no no, I don't want to listen to anything else but the Frugal Friends podcast Spending impulsively, having too much, spending too much? Love the frugal Friends who helped me figure out how not to spend impulsively. No no, no debts, No no no. I love this podcast. I don't think that's how it would go. No no, no, no no. I'm so bummed that the episodes are over until next week. No no no, Oops, that was a type. Oh love this podcast? It too

lazy to go change? Oh yeah, we Apparently there's so many options to use that as a as a review title. It might throw a few paint off, but the five stars is what really gets people. So yeah, and if they're confused, then they're in the right place. They can they can hang out with us because we're confused a lot too. Oh goodness, I don't know if I want to lead with that, but that's why it's at the end of the episode. If everyone's hanging out to this at this point of the episode, they get it.