Episode four eighty four, Managing Financial Regrets.
Welcome to the Frugal Friends podcast, where you'll learn to save money, embrace simplicity, and live your life. Here your hosts Jen and Jill.
Welcome to the Frugal Friends podcast. My name is Jen, my name is Jill, and today we are talking about the feeling of the financial decisions you can't change that you've already made but are haunting you. We're talking about financial regrets.
And this could include regrets both of decisions we have made, things that have happened, and then things that didn't happen that we wished had happened.
Or happened to us that we couldn't control. Even then, sometimes there can be regret of the way you handle it. And I have a lot of feelings about this topic, and so Jill, I'm glad you proposed it.
I'm surprised we haven't done this yet, but it was inspired by one of the chapters in the book that we just wrote by Love Without Going Broke, where As I was writing about contentment, realizing that there were some things that I wished could have been different about my money and choices, and realizing I'm not alone in this a lot of us can feel this way at every stage of life, so we're gonna give ourselves space to explore that and hopefully some tools to be able to
move forward in kindness. But first, this episode is brought to you by shaping the future. Sounds like a big, tall task, but you can do this without even having another child or participating in more seminars. All you need to do is complete our twenty twenty five Frugal Friends Mega service, know the type of content you want more of, and help us shape the future of Frugal Friends by
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Yay Yes. The Mega Survey is our annual survey that we do in February. It shapes what we do for the entire following year. So if you like Frugal Friends and you want it to be more tailored to where you are at, then you gotta do the Mega Survey. You've got to So if you are struggling with some of the guilt and shame of past financial decisions or
how you handled situations. You're gonna love this episode, but you're also going to want to queue up a couple episodes for after this episode three fifteen how to build and break habits that cause you to overspend because a lot of these seasons and regrets can lead to unconscious habits.
We create habits whether we are intentional about them or not, and a lot of time this regret can lead us to creating habits where we reject being intentional about habit creation because we're ashamed, and so we create habits unintentionally. And so three point fifteen is a really good one. Episode four fifty two What if You're not lazy? What if You're a perfectionist? With Monica Packer. I love this episode.
I love Monica. She's so wise. We are kindred spirits, I feel, and this is a really good one because I I knew I was a perfectionist, but I didn't put myself in that category. I don't feel like I'm very type A. But a lot of the things that we talk about in here I identified because if I
can't do it perfect, I just try. I just don't do it at all sort of thing, and I can feel lazy at times, and so this episode with Monica Packer will really speak to you if you've ever experienced that all or nothing mindset, that all in or all out sort of mentality. So let's get into this episode on financial regrets, and we're going to start with a study.
So this article comes from nerd Wallet and it's titled survey majority of Americans have money regrets in twenty twenty four because we just don't have enough data on twenty twenty five yet, but they have a really interesting chart here about some of the top money regrets of twenty twenty four and they start out by saying that nearly seven to ten Americans, so that's close to seventy percent have financial regrets within twenty twenty four, with the top
regrets being not saving for emergencies and not saving enough for financial goals. This was interesting to me because it's one of those non actions, having a regret of not doing something. And in our research for this episode, there were a lot of articles about people in retirement age their regrets on finances, and those were the top regrets for like the Boomer generation and above not having saved enough, not utilizing their youth to kind of put more away for their current circumstances.
But all people of all ages are.
Also saying this currently the just non action of saving, which I feel personally like that that resonates with me. But I also recognize that part of the reason I can't put aside as much savings or investing for retirement is because of the pinch I'm currently feeling economically, and you know, maybe with job choices and earnings and all of that. So to your point Jen at the top of the episode, some financial regrets like that, it's not
just one sided. There's many layers to it that we could wish we had put away more, but we also need to recognize, yeah, but what are the circumstances too, And also a lot of actions can I take?
But yeah, and yeah, this comes from that regret on how I handled a season in my life and I wasn't able to save as much as I had anticipated, save as much as I wanted to, And there is regret in that even though the season wasn't primed for me to do as much as I thought I was capable of. We always think we're more capable in a year and less capable of things like over five years or ten years. So we get really discouraged when we don't reach these crazy goals we have for ourselves in
one year. And it's so crazy that these top three, the top four, three out of four are in action regrets. And so I think the first lesson that we should take from this episode is that you will always regret what you don't do more than what you do. All of the other there's a lot of overspending regrets. Most of them are regrets for not saving or not doing something.
Not improving the credit score. But then from there it is interesting that all of the lower level regrets are about the action and most of them have to do with overspending. So I'll read off a couple. Overspending on entertainment is the top one. That's actually the third regret.
Everybody going to Taylor Swift concert, yeah, is what it is.
Taking on too much credit card debt, overspending on travel, overspending on monthly housing costs, overspending on an event, which is also entertainment. I would say overspending on a vehicle, taking out a mortgage.
It's kind of the last one.
But these then it's interesting that Okay, the top ones are not putting aside money, but the lesser ones kind of show us why we might not be able to do that.
Yes, and I think we do have. I'm sure if you were able to okay, so the respondents could choose more than one answer, and so yeah, I think it's it's really telling that we when we are talking about what we want to spend money on, it is experiences, not things, right, But all of the answers on here and I'm I'm sure it's probably multiple choice. And I wish they would have put more like overspending on food, but maybe that's monthly housing costs. I would have loved
to know the difference in that. But even though we say we want to spend on more events, entertainment, travel than on things, most of our money regret and overspending is on those things. And why is that? Is it because they cost more? Is that I can more easily identify I wasn't able to save as much. I would have been able to save more if I had just not bought the Taylor Swift concert tickets. It's the biggest
thing in my head. So it's the thing my head jumps to most but probably wasn't critically thought through and maybe could have been offset just by more conscious consumption in general. So I would I would love to know more about the you know, the survey and what the options were, but yeah, it is. It is so telling that even though we say we want more experiences, our guilt and regret jumps right to those when we're able.
To feel it.
And these stats are corroborated by another study put out by Bank Right where they found that seventy seven percent of people have at least a financial regret, and twenty two percent regret having not saved enough for retirement, eighteen percent regret not saving enough for emergency expenses, fourteen percent
regret taking on too much credit card debt. So same same kind of across the board between these two surveys, and also recognizing that forty percent of people who have a financial regret haven't been able to make much progress on remedying that situation in the past twelve months, and forty five percent of those people claim or will look to inflation and high prices as part of the reason for this negative impact on their progress towards this regret.
So again highlighting that piece of Some of it's in
our control, some of it's outside of our control. There are pieces at play where we can make decisions, and I think we should be looking at where can we be shifting actions and behaviors to be able to help ourselves, but also where can we recognize that we're kind of walking around where people are like tying our limbs behind our backs because of what's happening with prices and inflation, and just feeling really blocked from being able to achieve
some of these goals in the timeframe that we want. And I think some of this has to do with just our own expectations of ourselves and the story that we're telling ourselves about what some of these achievements or non achievements have meant for us, and whether or not our timeline is accurate. So there's definitely room to look at our spending and adjustments that can be made, as well as our expectations and view of ourselves.
Yeah, and looking at the all or nothing mentality. Right when I set a savings goal for a vacation and unexpected inflation or emergencies pop up where I can no longer save the amount that I wanted to in some months maybe not at all, and in other months maybe less. And so I have this all or nothing mentality to where like I just something unexpected has happened, so I can't save anymore at all, And that is never the case long term. So maybe it's true for a month,
maybe it's true for several months. But even if we cannot be our own definition of perfect or all in, we need to evaluate where we can find the radical middle in saving. We can always take some action to go further, and if we cannot take the action in what our previous capacity was, we can get creative in
how we take the action. So if I wanted to save two hundred dollars for my vacation, but something unexpected has come up where I now have to spend two hundred dollars on an urgent care clinic, you know, visit, how can I get creative and make up that two hundred dollars. Maybe I'm doing a no spend challenge. Maybe I am doing you know, Uber eats or instant card. I do not think those are viable long term side hustle options, but maybe it's good for one month in
this way to get creative. So that is that and those may not be your solutions, but the opportunity to get creative to think about how how can I make up even a hundred of it, even fifty dollars of it. We have to be okay without with not being our own standard of perfect.
So speaking of some of the things that we can do, I want to look at this article that talks about how to cope with regret, and this is from very well mined and this is not specifically about financial regret. Actually, any of the articles that talk about managing financial regret. I didn't love the angle that they took. It was super action based, like assuming that it means you're correct about the regret and you have to do something immediately about it to correct it and like right the wrong.
And maybe that's the case, but I also think that a lot of times with regret, there's a little bit more that we need to explore emotionally, mentally, relationally of what is this regret rooted in?
And it is this? Do I need to have this perspective of I wish it would.
Have gone differently or could we kind of embrace it and recognize this has taught me something, It's part of my process sess and I'll share this now because I think I'll probably end up weaving it in as we talk about just in general, ways to cope with regret. The thing that I shared in the chapter about contentment versus complacency in the book had to do with some At the time, I think I would have called them regrets. Now I wouldn't say it that way, like I hope
to live a life where I don't have regret. That doesn't mean no mistakes, no failures, but to recognize these are the things that shape me. But at the time, when I was, you know, full time social work straight out of college all of my twenties, I was making
low amounts of money. And now that I'm solidly in my thirties, I can look back on that and wish that I had chosen a more lucrative job, that I had spent my youth building up a skill set and a career that would pay me more than the twenty five to thirty five thousand dollars a year that I
was making. And especially when I see my friends around me talking about what their current net worth is and how much they already have saved for retirement and the houses that they're buying and realizing part of the reason I'm not there is because I chose without totally knowing what the consequences would be, a lifestyle of just not making a ton of money, and it did lead to some pangs of regret. I think you can kind of see, like my journey through the chapter, like how I kind
of came to terms with that. But I think this article is also talking about some of the process there of we can recognize life might have looked different if I had chosen some different things, but we also have to look at the flip side of that, like definitely identify what was sacrificed, but also what was gained. And so I think this is a really important process to give ourselves when we identify a regret before we just jump to action, to look at, Okay, what does this
mean for me? What are the consequences, What are the sacrifices here? But also what are the learnings? What did I gain as a result? What was the cost benefit analysis of the fact that this thing happened, Even if it's I racked up crazy credit card debt in college, Okay,
and what did you gain? You probably had a blast, You probably did things that now in life, later in life you're never gonna do again, and you're learning about how to engage well with money, what to do and what not to do with debt, and recognizing I didn't know everything I was in my twenties and even if you make those mistakes later on in life.
So that's my little tidbit.
Yeah, I've been saying frequently lately that we need to learn how to fail, learn how to make mistakes because because we view them as like failure, as the end of a journey. In reality, a mistake, a failure, a setback is what causes growth, is what causes learning. If everything goes well well all the time. You know, we call them nepo babies, right, and we make fun of them. You know, they don't deserve it, but maybe they do. I don't know, but yeah, we you know, Yeah, we
just have to learn how to make mistakes. We have to learn how to learn from when things don't go right for us and embrace it and not feel like it's a failure, not feel you know, negatively about it. I mean, we can feel negatively about it, but we have to learn how to take them as learning experiences instead of like failures. In and of themselves.
So that is the first one of practicing self acceptance and really exploring what am I feeling about this? How am I defining this as a mistake or a failure? And I love what they're saying here. So accepting yourself and your feelings does not mean you don't want to change things or make different decisions in the future. It just means that you are able to recognize that you're always learning, changing and growing. So reminding yourself that the
events of the past don't determine your future. You are capable at any stage of making better choices in the future, more beneficial choices.
Taking action, that is the real That is what we want to convey. Here's taking action like this next one of forgiving yourself. Uh So, the article says regret involves a a component of guilt and self recrimination. Oh what a word. Recrimination. Finding ways to forgive yourself can help
relieve some of the negative feelings associated with regret. So for me, my story of financial regret comes when we were paying off debt, and while we were paying off debt, I was being it was being reinforced in me that debt is dumb. And so for me, that that translates to people who take on debt are dumb. And I took on student loans to better my future, but I
regretted that during that scenario. But I felt conflicted because I was like, I needed to take on loans nobody safe for me for college and if I was going to do anything in my early life, I needed to take on debt to get a degree. And I chose a pretty wise degree path. But I still, because this was being reinforced in me, I felt very guilty. I felt very dumb, and I almost I regretted taking out these loans because paying them back was not fun. Yeah,
and I had to forgive myself. It took I don't even know how it happened, maybe just like it just took like a lot of self reflection and realizing the person that was telling me that I was dumb was not right and there were other viewpoints that I aligned better with and that taking out student loans was not dumb yeh. And yes, it was painful to pay them back and that was the right move, but it was not dumb.
Yeah.
Personally, I do wish that I had known more about student loans and the loans that like I didn't necessarily have to take out but similar journey to you, this is what I experienced. I only knew what I knew. We worked towards paying it off. I felt silly for having taken out the degree of loans that I took out. I definitely, looking back, did not need to. It had to do with the schools that I chose and all of that. However, as painful as it was to pay those off, I also then took out loans later on
that I didn't feel guilty about. Kind of that reworking of debt is neutral kind of happened in between paying off student loans and then taking out a loan for the motor home that we lived in, and recognizing, oh, this is actually helping us towards some of these financial goals. And it's so interesting some of that reframing how it really can shift our actions and the ways that we view ourselves. So the next one is this is interesting
apologize for mistakes. This might be really specifically for regrets where it does involve other people, but I think this is tied to what you are just saying, jen of asking for forgiveness or forgiving yourself for some of these things like almost you know, if you feel the need
to acknowledge it to yourself and forgive yourself. But also if there are other people involved, if this is a situation where maybe you accruede a lot of debt with a partner, being able to kind of apologize to one another can really help clear the air and solidify the desire to do different going forward. It can kind of be a marker for we recognize that this mistake was made. We're going to do our best not to live in regret, but there is room to own some of these mistakes to one another.
Next is take action. I promise I didn't put it in there. It was in there. So this is not just a way to like avoid or process, it's it's a way to cope with feelings of regret. So a lot of us will so when we feel out of control, we will always seek to regain control. And if we can't regain control in the thing that we are out of control on, we will gain control in something else. And a lot of times side you know side note that's spending money on something, we will spend money on
something adjacent to maybe try to solve the problem. Or if we you know, if there's nothing we can buy to solve it, we will just spend money to try to control something else, to buy, you know, something else. So we want to recognize that so that we avoid that action and we pick a healthy action. So is it putting fifty dollars into a sinking fund, is it putting fifty dollars into your IRA? Is it upping your
four oh one k contribution by three percent? Whatever it is, take an action, make sure that action is healthy.
Yeah, and one of those actions can be reframing. So this is a cognitive thing that we can do, a cognitive exercise that we can engage in where we choose how we want to look at the situation, so how we want to think about and the story we want to tell ourselves about this thing that happened. So it's validating the emotions and kind of rewriting, not saying that the facts of the thing are different, but the way
that you're choosing to look at it is different. This is kind of what we've already been talking about of the goal of not having regrets. Is part of that reframing that, Yeah, maybe I wish that I had chosen something different. But in reframing we can say that this was something that I chose when I had this degree of knowledge, and I know now what I'm going to choose going forward, and that thing, that choice, that action, that behavior of the past did help to teach me
that I am learning and growing through this process. So it's really kind of a resilience outlook, or this is what can build resilience in us when we can choose the way that we're going to look at this situation. So changing the way that we think about things and what has happened in the past can help us to even view regret in a different way, and it can move us away from dwelling on the negative feelings and more so seeing it as information that can help guide us going forward.
Yeah, and if you're feeling like really heavy about your regret, the article recommends a book by Daniel Pink, who is a behavioral psychologist. It's called The Power of Regret. I've read Daniel Pink's work before and it's really good. So, yeah, the Power of Regret might help expound on some of this thing that we've been talking about.
Yeah, Man, it can be so helpful to just view it differently. We can feel so much more empowered and resourced to now move forward. I think regret keeps us stuck, but being able to reframe it shows us the pathway forward. So I think, yeah, my encouragement is to recognize you're not alone if you feel like, man, I've really screwed this up, or I wish I had made different choices and decisions. These surveys and just Jen and I are
telling you same. Yeah, not beyond it either, Like there are still times like I still wish currently I could put more money into retirement, but I'm also recognizing my life season, the realities of current circumstances, some of the choices I can make to put little bit by little bit towards it. I'm aware of it. Yeah, really, and you know what more can we do? We've got to then be kind to ourselves from there.
Well, I think awareness is something that almost it cripples us because we know what we should be doing, and we're not in a season to do it, or to do it as much as we think we should be doing. I think some of these articles on like how much you should have saved it twenty, how much you should have at thirty, forty, et cetera, do us a disservice because we think we should be and we probably should ideally in a perfect world, most of us are behind.
But like it's it's one of those things where you don't know what you don't know until you know it, and then you do. All you can do is move forward in the capacity which you are able to. And so much of it is like you figure this stuff out once you already have a mortgage and a high car payment and children, and you're like in this place where you wish you would have found this stuff out,
you know, five ten years ago. But the biggest solution to the regret that you're feeling in all of this is to just do a little, to do a little, to do what's in your capacity and try to alter some of the things in your life to be able to do more, you know, one percent more every month.
The baggage of the negative feelings about it and the way that we view it is just weight we don't need in actually being able to like shift the.
Story for ourselves.
So whatever we can do to shed that and just to actually keep moving forward here for it we have to you know, what else I'm here for and is not baggage?
Does it actually lifts the weight.
And I will never have a regret for having this part of our show.
The bill of 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've paid off your mortgage, Maybe your car died and you're happy to not have to pay that bill anymore. Dust bills, Buffalo bills, Bill Clinton, This is the bill of the week.
Hi, Jen and Jill.
My name is Kat and I am a loyal Frugal Friends podcast listener and wanted to submit my first Bill of the week to you all. Back in July, I received a laboratory bill for some lab work that I had done through my PCP's office earlier in the year. The amount was for one hundred and eight dollars. I put the bill in my mail organizer and completely forgot to pay it until last night. I logged in online to pay the bill, and to my surprise, there was
a zero balance due. So I contacted the laboratory company and was told that in August, my insurance company made a payment of twenty three dollars and the laboratory company had to accept that as payment in full. So I am no longer on the hook for one hundred and eight dollars. So this is just a reminder to everybody that sometimes waiting can pay off. Thanks so much for listening.
Way to go, Kat, This is actually wise with all medical bills to wait for as long as possible to pay them. That's just like, do not pay a medical bill immediately. Just rule with them.
Yeah, it's like it doesn't sound like the greatest advice because it's not what you would do with.
Any other bill.
But they just take so long to get you your bills and a lot of times yep, and then it's wrong. And then they haven't actually received the payments from the insurance company yet. There there's just they haven't made necessarily the adjustments to make. This happened to me recently too, where I knew that there was going to be more bills coming in, so I wanted to wait until they just sent me all of them because it was it
was within like a six month period of time. But I'm like y'all are rolling out bills in sporadic time frames. I just want it all together in one bill, and then I want to negotiate that bill.
Once it's all one lump sum.
Yeah, and then we'll and then we'll pay it.
Because especially if you and this isn't general good advice, but like, if you don't need a good credit score, you can just threaten to send it to collections. And they don't want you to send it to collections, but you very well could and just negotiate it there. You can negotiate it. It's just like what your priorities are. Yeah, but you can use that as a bargaining chip.
Because depending on how big the bill is, right.
Nothing bad will happen to you if that bill gets sent to collections, and then you can negotiate it down even.
Further other than it affecting your credit.
Yeah, but nothing happens to you physically. Nobody comes to.
Your head, take your jail or something.
No, you don't streak to jail.
Well, Kat, that's an amazing bill. Thanks for sharing that with us, and congratulations. If you all listening have a bill that you want to submit, If it has to do with letting your bills just sit around and then get paid off by somebody else, if it has to do with a bill you don't mind paying, your name is Bill Forrugal Friends podcast dot com. Slash Bill, leave it for us and now it's time for the King round.
Sure, okay, so let's talk about the biggest regret that you have in twenty twenty four of what you purchase. What was your biggest purchasing regret in twenty twenty four, Jill, This is a.
Fun one's and it's somewhat recent because it was December of twenty twenty four. Oh, I had a moment of weakness. I bought Derma planing razor.
What is that?
It's to shave off the little peach fuzz on your face, you know, like the hair like around like your cheeks, yeah, below your ear. Okay, well, this is embarrassing because this never happens to me, but it did happen to me.
I was on in Cet girl. Yeah, I mean you become vulnerable?
Did you become insecure?
So I saw this girl who was describing her very this was this was the thing, her very low maintenance skincare routine. And it was just three things and I don't even remember the other two. I do like the other two. But she's like, I don't get facials, I don't do botux, I don't do this, I don't.
Do that here's what I do.
And one of the things that she listed was derma planing, and I will say I had been curious about this years ago, like realizing in the sunlight, oh wow, there's there's like a good amount of hair on the cheeks, on your skin, and I was like, oh, that'd be really interesting. And she's like, you know, makeup goes on smoother and like skin, you know, you're less likely to get and grown hit.
Well.
Although here's the thing, and I haven't yet used them, I bought the derma plane razors, thinking like, oh great, I can get rid of like the peach fuzz and just be you know, there's a little bare, little baby on my face. And then I thought, and then I realized this is shaving. This is shaving your face. Like
you're calling it derma planing, but it's shaving. Which also brings me back to like the marketing tools right, the way that they market certain things to men versus women, Like that that shaving used to be associated with, like men shaving their beards, so they like renamed what you would call shaving your legs for women.
I think this is along those lines. They're calling it derma planing, but what I.
Realized is, wait, once I do this, my hair is going to grow back, and then it's gonna be like stubbly and potentially more rough to the touch, and potentially I'll have greater risk of ingrown hairs. So now I'm very glad that I didn't end up using the Derma Planing raisers. But I didn't discover this or come to this realization till after the return window. So now I just have a package of Derma Planing raisers that was a waste of eight dollars.
Wow, and never again.
So I am finding along that lines where you're like three like simple three step skincare routine. I don't need all of this stuff. I am noticing that under consumption has become another marketing tool where you have these over consumption videos where they'll have forty products in one minute, hoping you just buy one. And now they'll have the under consumption videos that just have one or three products
that they deem superior, hoping that you will buy it. Yeah, because it's of greater it's more exclusive, it's quality over quantity. It is another marketing tactic.
Yeah, So I suppose, and you know what I'm learning, I'm learning from that. Never again, are these photoshopped women gonna talk me into buying something I don't need?
Yeah, that's I would. I mean, yeah, I'm attracted to the under consumption videos because I believe that the products they are using must be the most superior. They must be the best if they only have one or very few. Yeah so, but that's something I've noticed.
All right, your turn to be vulnerable. What's your purchasing regret?
Mine did not come from influence but from desperation. And it is sippy cups. And I bought like I have bought, so I bought so many different types of sippy cups in twenty twenty four to try to wean my child off his bottle. And it is just a fool's Errand like I could have just picked one, taken away the bottles and just like them right drink. And I'm just tired and weak and desperate. And I've spent gosh fifty bucks at least on sippy cups that don't get used. Yeah, struggle, I know.
So he will just beg for a bottle.
Yeah, well, and he won't necessarily beg for a bottle, but like he'll want water and He'll want to drink out of my cup, and I'm trying to get him cups that are maybe similar but don't leak, because he'll pour water all over himself and he just won't drink out of them. Like I got ones that you can lift up like a bottle, and he won't and they're too you know, he won't suck hard enough to get
them out. Then I'll give him ones that are like my cup, just a straw, but you have to have it vertical, and he'll lift it up and he'll be mad that nothing's coming out. It's just so frustrating.
Oh, so you haven't landed on a solution yet.
No, I think I've gotten close because so I have a Stanley, which was a gift that I've just been using. It is not the best water bottle. I don't recommend buying one, but it is what I have, and I won't be sad if I lose it or run over it, or if it catches on fire. So I bought a replica, a tiny replica for.
A child, and has that worked?
It has worked the best. Okay, yeah, it has worked the best.
Do you remember when all of the teena not all of them I'm making a sweeping statement. But do you remember when the trend was that teenagers would walk around with bottles, They would like drink out of bottles.
Do you remember that? No? Oh well, no, I just sound insane.
It was a popular trend for a time, I want to say, like late two thousands, maybe even teens, where teenagers were just like walking around with zippy caps with all right, I don't.
I'm gonna dig it up.
And you went to a birthday party where there were stan Lee's and they were in like carrying cases with a with a straw topper, and they were bit dazzled, And I was like, is not that good of a cup? Like it does not warrant all. I mean, I guess in order to make it better, you have to put all that stuff on it, but like it leaks as soon as you tip it over, it falls out, like
all the water falls out, and the straw's plastic. So I had to cut part of it off when at Las chewed it to bits, like at the end, like it's just not the best of Sure, if your car catches on fire, it is gonna survive, and that is the best aspect of it. But like my car isn't catching on fire. But I'm always knocking over bought my water bottle, so it's just not wise. And I the minute I lose it, because that's always what happens. I will keep a water bottle for a year two years max,
and then I will lose it somewhere. Yeah, and as soon as that happens, I will be thankful to buy a different water bottle. So thank you for listening to this episode on financial regret and the rant on Stanley's. We have loved reading your kind reviews about our book by What You Love Without Going Broke, which again we do talk about some of this in our chapter on Contentment without Complacency, and we loved this review. Five stars from Katie Carter says, just like the podcast, I'm giving
this book five stars. In this book, the Frugal Friends have taken the super complex world of finance and simplified it literally. There's a whole chapter on simplification. Jen and Jill have done the hard work of deep diving into the psychology of our spending, our values, and how the world wants us to spend, and then have given us the lightning round and action steps to help us take control of how we spend. This is not just another
book that will tell you not to buy coffee. This book will make you figure out if you even want the coffee. Thank you so much, Katie, this was so kind.
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Frugal Friends is produced by Eric Sirianni.
Okay, it was actually the nineties. I was wow as usual, thinking that I'm younger than.
It's crazy that it's not back yet, because the nineties are on trend.
I think we're going to get close. So it was. It was passifiers, mostly pacifiers, but baby bottles got like thrown into the mix.
Do you remember this?
No, I like, I want to say even like Britney Spears and Christina Aguilero were like walking around with.
Passifier vaguely maybe that it was a fashion trend. I guess. I don't know. I don't want to say definitively yes, because I don't, but maybe vaguely.
I feel like I've got to find images.
Of pop stars past fires in it. Yeah, the pacifier trend.
And it's just a bunch of babies with passifiers and mom blogs being like pacifiers are the worst. Don't give your baby a pacifier. They're out of trend.
Yeah.
Yeah, looking up images. Yeah, you'd like wear them as necklaces.
Okay, I do remember these, these I remember because they're not actual Justin Justin Bieber, No, that's not real.
That is that is Yeah, that is photo for sure.
Will those teenagers look like they have real pacifiers? But I remember these plastic pacifiers like, they're not four babies, they're four teenagers.
Yeah. Yeah, I remember that.
You'd wear them on a necklace around and then you just be like something.
And then you'd put it in your mouth because you're gross. You're gross teenager. Yeah, I remember that.
Oh man, so strange. The choices we made and the choices that will be made again in the.
Future, the choices we're still funny making.
Watch I'm talking about this, and then it'll be what pops up in our reels after this.
Oh my gosh. No. Well, yeah, because you're searching it on your lap.
We are trendset.
Sure.
Wow. Well, I hope you fine a sippy cup that works