Hindsight is 2020 with Freddie Prinze Jr.

It's a great new year, hopefully even better than last year, which I thought was top of the top for me. Really not really, it's pretty good. I had a good one, man, you know, but it can always be a little better. Okay, Well, I have a gift for you to start off in a wonder the most wonderful possible way. Is it a home pregnancy test? Why you're going through something? No, it

is not. It is. It is the gentleman sitting to our right with us, to this guy with us today in studio with a bow on him, the one and only my my wife fan girl. When I told her that you were coming in. Mr Freddie Prince Jr. Yeah, I'm a gift just for you man, just for you to see my gift. Yeah, brokes for wearing the rapper Man. By the way, I self unwrapped to stay kicked back. Whatever you need, perfect Freddy, I gotta play this clip

for you. So the other day I told Julianne that you were coming in and East and our engineer here's going to que it up for you. Tell me when you're ready East. Oh, here it is, so I'm filming here. She doesn't like, literally, are you like all time crush of all crushes? It's too funny. She did the dramatic breath yea, like after you have a cold beer. She's got a book, cookbook. Let's not let's not turn me

into some novelist. I'm not Jack Carrowac or anything like that. Um, but she was, Oh my god, she was fired up. She's actually out of town, so she wasn't able to come in. Otherwise I guarantee she'd be making appearance on this podcast. So your wife, Your wife's probably in her mid thirties. I'm not trying to expose in a young early thirties somewhere in there, so that that's the age.

So the right around that age is all these grown people and all the boys of that generation hate me, and all the girls of that generation do what your lady did, which is just love me. And I feel bad because like they made their guys go see a bunch of romantic comedies where the expectation of what a guy should be is never gonna be achieved by anyone who wasn't reading lines from a script. And so all these and now that's their ex girl right now, right,

so they have a reason to hate me. And then your girl said Summer Catch, which every year, by the way, I love that movie. That movie well you saw in the right vein then, but the Major League Baseball Network plays it every year and on social media, like one out of every ten messages that will come to me be some guy like what is this romantic comedy doing on the mL beach. I'm like, it's not a documentary, dude, Like you know who's in it? Chill out. By the way,

So I was a hockey player. I was a hockey player. I so, I I don't know why I loved I just loved Summer Catch. I loved it. It had a blue collar field to it, And I think hockey is a very blue collar sport. Um as far as like all the athletes go outside of combat sports like hockey guys are the toughest guys. I don't see any other athletes talking trash ever about their contracts and and what guaranteed money and what isn't, but they'll call out other

sports and athletes. I've met a lot of hockey guys and outside of combat sports like those are the toughest kind of blue color. And there was a blue collar in this to it because it was that amateur league Cape cod League. It was guys trying to chase their dream getting getting into the pros. And I got to pitch to Ken Griffey Jr. Man, you got to hit bombs off. Did you grow up playing baseball? Um? Do you have a baseball background? I grew up playing little

league ball. And then my godfather is Bob Wall, And Bob Wall was the guy that trained Bruce Lee when Bruce came to America and vice versa. And his best friend was Chuck Norris and Geane Liddell or Gene LaBelle and uh Pat Johnson, the guy with the mustache and the original karate kid. That's like the referees like alright, Laurel, So like that was a dude of taught me how a wheel kick. Come on. Those were the guys that that I kind of grew up on and and those

are the dudes that raised me. And they all had daughters pretty much except Chuck. They grabbed on it. My dad armed a lot of My dad was a stand up comic in the seventies and and he died tragically and but charmed a lot of very smart men and women, and all those people kind of said, yeah, we're gonna take care of you and not let and not let bad stuff happen to you. So they all kind of took care of me in uh in that regards so right.

But Bob wall Man, I'm telling if you don't know who he is, watching Bruce Lee movie, he's got a scar. He's the guy with the scar down his eye. Bruce w a L L bro as simple as a pimple. That's right, just a study still alive. He lives right down the road in Tarzanic. Is still beat my ass. Oh, then guy handed me my first black betties old as hell, and I He'll still with my look at him, look at look at that stuff. Damn yeah, he looks so

hold on that that scars real. I was like, if that's that, dude, I mean that he looks like I've seen hockey players that are beat up, but that looks beat He's got those man scars. Only a man can rock that scar or like an old Western I got. I got a question for you, Um, do you uh do you still get like fan girls like my wife just did in that video? Do you get that quite often? You're married, now you have two kids, but like, do people still see you not like when I was younger?

Like when I was younger, girls would run up and steal whatever I was eating and just bounce like a like a green Beret in a night getting a pow and just ghosted, And I'm like, what where they go? What was that? But now you know it's people are chill, man. It's mostly their kids tripping out that I don't look like Fred from Scooby Dude, or kids tripping out that I that my voice sounds a lot like this Jedi from a Star Wars cartoon and they find out it is,

and they're like, WHOA, that's cool. You know, I get a lot of can you tell my kid, may the Force be with you? Yeah? Man, So that's more now, But when I was younger, yeah, people would trip out of it. What about hate from dudes? And he hate from dudes always bro, Yeah, since I mean, some guys are actually funny about it. They're like, man, I hated you so much in the nineties and then they're right, but you're actually pretty cool. And you know, I don't

take myself too seriously. I have a podcast with Josh Wolfe called Friends and the Wolf and we're very open and honest about being Dad's this business, our histories. He's a stand up comic and has been banging it out for years, so we both kind of look at the business from from different angles and life from very different angles. And uh so I don't take the hate as hate,

you know what I'm saying, Like I don't. I don't know you and my like I said, I was raised by weird old school guys where if you didn't earn my respect, then your opinion really didn't mean much. And that's a hardcore way to live. But that's how we were raised. So there was normal to us, right. So I like social media, I like when people get mad. Some people get mad at me over like Star Wars stuff.

Some people get mad because they just didn't like my movies, right, and they'll just they'll just reach out and be like, hey, man, you sucked in whatever, and down to you. I'm like, yo, man, I didn't even see that movie. Like I just got the check and like I did the premiere and then I went to Jerry's bowling Alley. I didn't even stay for the movie. If you didn't like it, that's on you, man. I can't help out you interpret information. Do you ever

do you ever get like, do you ever get hate mail? Obviously, I'm sure you get like girls throwing themselves at you, buddy, But what about hate mail? More like dudes like hating on you. Occasionally, there's always a hater out there somewhere, you know what I mean, girl through their stuff at you something. Yeah, yeah, there's always something weird. You know, There's always gonna be one, you know, give us a story, give us a story. You have a story, Well, it

could be anything. It could be like, you know, you got a family member dying and everybody's reaching out saying, you know, feel bad for you. And there's always one dude, he's out there. It's like, yo, man, should have happened sooner, you know what I mean? That one dude, I've got crist right field heat for no reason. You're like, what exactly? There's always gonna be one and and uh, you know, whether whether that's karma or what, you know, I gotta take it. You gotta take the bad with the good,

you know what I mean. And uh, there's been enough, there's been enough blessings with the success that I'll take some of the burdens here and there. It's not it's not that big. There's no perfect life. My mom used to say, people are gonna find a reason to hate you for something, So just like what you like and don't don't worry about that. I had a guy though in the jiu jitsu mats who's straight up said like, hey, man, do you want to roll? And I was looking at him.

I was like yeah, but it was like he was and he was gassed up to yeah. I'm not gonna say his dave because he plays football. Um, but we sit down and before we even go, we're just kind of like shaking hands and he goes, man, I really hated you back in the day man, I was just like and that, right, but he was he was a white belt. He was there to like learn techniques that he could apply in the NFL. And I was already a blue belt with a couple one or two stripes

back then, and so I wasn't that worried. But his arms were as big as my waist, Like he was huge, right, And so the guy who ranto place was like, hey, you need to show him leverage and how to apply that. So we're rolling and for the first minute, I'm just laying there lazy, and I'm just hoping his big muscles get tired. And so I'm sitting there, sitting there. He's trying to tap me out, but he doesn't really know

any submissions. He's just trying to muscle everything. And I shrimp out every time he leaves an opening or fill the space when he leaves it with an arm that I can kind of hook over a bicep something like that. But he's a monster, Like anywhere he wants to put me, he can put me. Eventually, he starts to get a little tired and I shrimp out and I take his back and I choke him out, and he tapped he taps.

He taps the mat like a pro wrestler, like not the jiu jitsu guy like you're supposed to because he's never done it. And I only squeezed a little bit right, and he he tapped early, so we doubt he's mad. Dude. He just goes in the corner and he's fumeing just and he's gassed out too. He's breathing hard just like that. I was like, hey, man, the first day is the worst day of They did this to me. And I told him this, like this philosophy that Henner Gracie taught

to me and uh. And the first day I tried to roll with him and muscle up and I said how much do you bench press? And he goes brought a bench press four pounds and I was like, yeah, man, I go how much does your belt wig? And he goes out, what like a pound? I go, yeah, bench pressed up for me. And he grabs his belt and he's like, what do you mean? I was like, just bench press up, bench press it up. He goes, I can't go, well, why he goes it's connected to me? And then I kind of just looked at him and

waited and He's like, Oh, don't even do that. I'm just telling you what I was told. I'm connected to you and you can't get me off. And martial arts always kind of helped me be humble and and and accept kind of everything coming at you because martial arts always gave you options, and it taught you patients, and it taught you discipline, and so that was sort of my approach. That's my approach to everything, to be honest, Like,

both my kids are involved in it. I still trained today as much as my year old body will let me. I already I need another surgery already. It's ridiculous. But uh but yeah, man, So I really try to bring that into to my family life. My wife was a badass taekwondo girl kicking vampires butts on Buffy back in

the day, so she respects the R two. And I was just blessed to be here in southern California where in the eighties the karate kid came out, and every martial artist in the world that wanted to make money was like, yeah, I'm moving there, and they did, and we got spoiled because of it, you know. But there's it's hard to find a bad school out here. So did you take that with you? Did you? Did you tell the football player when you were done that he just got by a teen idol? No? I I did

say this. We were in the locker room later and there were two other football players and they're this big, huge black dude is big, huge white dude was like six eight and uh, he wasn't even pro yet. He was college getting ready to go. I didn't even know. I was like, what, bro, Like, you look like you're about to retire your humus. But he said something like if this was a you know, but if this was

a fight, you know, he'd have got knocked out. I was like, yeah, but you have to tell everyone you got tapped out by the dude from Scooby Doo and his friends were like oh. I was like looking at him, like, you gotta take that with you, bro. It's such a beautiful art format. It's such a My mom is ah, my mom took up karate I think when she was like in her fifties. Um, and she's my mom's a third degree black belt. Hell yeah, what did she train? Uh? What? I want to say? What? Okay? So she's going up

with obscure martial arts. I don't know exactly the there's so many different modalities in it. But um, she tried out for the women's Canadian national team when she was and she in. She placed fifth and the two girls that made the national team were so Yeah, my mom is a badass. So we mess around in the kitchen. I try and choke her out in the kitchen a mom. Mom is so slippery. That's moms and single mothers. Yeah,

I love it. Man. My mom had to She had to learn how to fight just to hang with with me because it was just her and me in the house. So she she had to hold mits when I was doing moti, you have to hold the leg. That's why she drank. That's awesome, dude. Well, I got a question for you guys because it's the new year. It's the new year. I want to roll into this. What is what is something that you guys are most excited about in the new year individually? Something that really weird? Man,

I want to hear weird that the listeners weren't weird. Alright, this is I hope it connects to people I like, I like helping out kids. I'll start it with that, alright. Um, I started a game channel where we play a lot of board games, tabletop games, rpg like Dungeons and Dragons and stuff, because I love video games. But board games always had accountability because you if you did something, your

friend was right there. If you stole money and monopoly and they caught you like that, rap always always cheated. I would I cheat every time. I don't think I've played a game straight in my life whatever, but that accountability always made it more real, right. So I started this channel and we had a lot of success on

Twitch and YouTube playing RPGs like Dungeons and Dragons. But this one happened to me in the Star Wars world, and I found this group of kids in Santa Monica that are all home schooled kids, and this mom to sort of get them to interact with each other because they don't get that opportunity at school, she created this

like Dungeons and Dragons League for kids. But the game master or dungeon master has a major, has a master's degree, and his street So instead of playing Dungeons and Dragons with trolls and elves and humans, he puts them in real moments in history and then applies the rules of d and d so he took him into the Boston tea party. Yeah, and they got to be a part of that. We're gonna take him to the Alamo and maybe we hold it this time and all these great

moments in history that we can redo. So we're getting ready to cast it and put it together and shoot it. And I really want to showcase that for family it's gonna be family friendly content. We have stuff that's not family friendly where we're all grown ups cussing at each other over a dumb game, but it's awesome does But this one is gonna be way family friendly. I've seen these kids play games, this one group, these four girls, they're they're all postpubescent and the boys in the middle

of puberty, and they just run this dude. I mean they run him ragged, like he knows what marriages like five times over and he's and he's twelve, and he's twelve. The amount of heat and nagging that he takes before, during, and after every decision he makes is like Al Bundy. It would make out Bundy Wheat. This kid isn't He's a legend. If he ever gets married, it's gonna last forever. I'm sure he won't. But God, this kid, Bro, I'm telling you, you've ever been you've never been a friends

with somebody. So you had a twelve year old dude who knows what being married five times and sailing is like this legend. I'm not gonna say his name as a kid, but he's a legend. What's what's something real quick? We gotta go to break here quickly? What's something that's got you really excited in the new year? For me? Just cutting a record? Um, I'm about finally pretty much done writing it. So now this year will be the record making process and hopefully that'll be done sooner than later.

Can you tease us anything about that record? No way? Well? How long? Like how long was the writing process? For man? The writing process is always my whole life, you know, And so, um, it's been a it's been a few years now, so I'm already three years off my last record cycle. Um. But I'm never in a hurry, which is a big problem in some ways. I just rather when I'm done, haven't actually be done, then feel like,

oh I shouldn't put it out. I should have finished that tune and I should have finished that bridge, should have written a better intro to yourself. Yeah, man to do all the time. It's a lot harder man show business right, and business is the bigger word exactly. So that's a tough appreciate that I heard chapters on the radio. Really thank you for that. I took a picture and send it to did you get my we thank you

for that. I think millennials do, or they take a picture of the you know, the radio and then they be it felt good, fel it felt good getting that from you. And it's a you know, the record I'm making is further you know, that direction, further towards the country record type of thing. But but even even further further more like a Bob Seeger meets uh Tom Petty meets to John Mellencamp kind of record. So really really like a nineteen seventies songwriter rock record, which is essentially

what's really country music? Now, you know what I mean? It's head in that more that direction. You know, we'll say our big announcement. Now. I was going to wait till the I was that that would be what we call an immaculate conception. What is this big? I haven't been like doing that lately. What's going on that quiet. So well, I'll tell you all that stuff later. But so on January is the Podcast Award, of which we

are not nominated for. One yes announcement. Wow, I can't believe that Brooks will be on stage age with Rick, Ryan and Dmitri introducing a performance wonderful boy. Further to that, secretly, I've also been learning all his songs and dance moves and all that in case he invites me out on stage. I've been learning how to play hockey and the roller blades are gonna perform on skates. Yeah, you get to push me down the stairs. That's right. And on that note,

take a break because we've got big stuff. Yeah, we got some big stuff coming. We asked, We asked our listeners what were some of the things that you wanted us to address the most in so we have a list of five. We have a big list. But uh, some of our main topics are anxiety, money management, work, life balance, stress, and uh, diet and so we're going

to get into some of this after this break. I'm a little bit disappointed because I don't know if it's just me, but I always thought Tony was going to be a lot more futuristic than it turned out to be. Yeah, Hollywood sold you a false bill of goods on that crap. Ye're flying cars and a Barbara, but that was Jetson's is a lie. I'm disappointed. You don't you don't think you deserve a robot Rosie that cooks and talk smack

to you. At the same time, she was like the maid from the Jefferson's but with rust and we don't even get that instant food. I want my Christmas dinner, Christmas dinner, none of that. What a major letdown. We got as far as ramen soup. That's as quick as it got. These two. I saw Dolorian yesterday. I passed one and I was like, oh my god. I was like, what if they's got the flux capacitor and that side.

Here's here's the morality test right here. If you get the Sports Almanac and you have a chance to go back in time, you do you become No, it's not who. Okay, so I know what your answer is. It's not who. It's do you use it for yourself or do you not want to alter? Or do you stay? Do you stay? Do you become bis? Come on, yeah, you're you're rolling

in that path would definitely, that's a brilliant movie. Got to I'd literally be like, I bet Kirk Gibson's gonna hit a home run right here of special million dollars. Have you never seen Back to the future too? I have a long time ago, but that's I can't remember that would not would you wouldn't know because Karma and I do enough bad stuff that the karma is already. This is This is a great segue because our first

guest on this show is a money manager. I don't even know how you say money manager, expert, money experts. So we have Nicole she rich? Is she rich? If she's not rich, I'm not taking any advice we have. We have Nicole lapping on with us. Nicole, are you there? Well, I'm a rich bitch alright, Uh, Nicole, I appreciate you jumping on with us. UM. A lot of our listeners have said the number one issue they want to address

in is money management. They want to learn how to uh invest money, save money, money, or manage their money so that they're not so much living paycheck to paychecker and incurring huge debts. UM, could you give our community just your first the low level, the low hanging fruit on how to better manage their money in the new year. You know is that a man is not a financial plan, period full stop. Wait, she's the other way you can

get it together. It's not that complicated. I know that a lot of money stuff sounds jargon E and I think that money is a language like anything else. We just don't have a rosetta stone for it growing up, Like we learn a lot of vs stuff growing up in school will never use again, like yeah, or the Pythagoran zurum, like I have no idea why we need to know that, but we don't learn how to do a budget or taxes or business plans. So once you can speak the language, then I think you can steel empowered.

And if you start off by thinking of a spending plan instead of a budget, like just the way you frame it can help a lot. You come from a place of aspiration versus deprevation, So in the same way as you would think of an eating plan instead of a crash giant, a spending point is something that sustainable

and allows these small indulgences. So I suggest breaking down your monthly spending plans spending percent going to the essentials, so everything you need to live on every single day, but through the transportation or whatever, going to the end game, so your future self. You're investing, you're saving all that good stuff, and then fifteen percent going to the extras.

So the latte by the way, that there's three ees, I love you some alliteration of I like the only financial person who will tell you to buy your morning latte. You have to. You have to treat yourself otherwise, just like in a regular diet, you'll end up bitching later on. Yeah, um, nicole. The baby boomers kind of destroyed Western civilization with instead of living to be happy, it was about attaining as

much crap as you could get. And they've been blamed about this for years, but we've sort of taken that to a new level. What are the types of habits or how do you break bad habits of trying to acquire so much stuff at a young age and putting yourself in that kind of debt. How what are the

ways you would use to break those habits? Totally amen, I mean, debt is the only four letter word I don't like, by the way, and I think when you're tackling your debt, you really need to prioritize to pulverize, I say, um, because not all debt is created equal, you know, like there's some good staffs, I guess, avocados compared to French fries. There's some good debt like student loans,

you know, compared to credit card debt. So if you're tackling your debt, you don't want to just indiscriminately pay it off. You want to look at the highest integrate first and so typically that's your credit card, So pay off all of that first. And then if you have a car loan, which you shouldn't, but if you do, you don't want to keep paying on a depreciating asset, so you pay that off second. And then if you have a mortgage, then you would pay that off, and

then finally your student loans. Because they can take away your house, they can take away your car, but they can't take away your brain. And I think just generally not acquiring stuff like that is a change in mindset. What I would say to you people who just continue to buy things to try and make them happy, which as we know, never really seuse fruition is coming up with what your goals actually are. And you know, when

people say I just want a million dollars. I'm like, what do you want to do with that million dollars? Maybe you want more than a million dollars, maybe need less than a million dollars. I have no idea. It's first figuring out the life you want to live, and then reverse engineer to figure out how to get some money to live the life you want. How do you feel about when people buy a new car. I don't feel great about it. A little bit of me cries on the inside. Um, I think that more young people

get into leases. Do you guys have leases? Or I own two cars? That's probably real? Yeah, totally. Like the biggest appreciation period is in the first four years. So if you buy a car after four years, like it's four years old, then that's the sweet spot and then you can run that thing into the ground. Um. But at least it was like the biggest scam in the history of the world. So what do you recommend people

do with the car as far as cars go? Exactly, buy a four year old car, lease a four year old car, by four year old car, by a four year old car buying and run the gepies into the ground. Yeah, Buffett has I think like some old lopes telling you I bought a two thousand eleven Toyota four Runner. It's what I loved every day. I bought it used. I've got over a hundred twelve thousand miles on it now like old muscle cars more. Yeah, and those don't they don't get driven on the four oh five Like that's

a car. So I'm with that. But yeah, I bought a used car. It already had miles on, it was tamer, and it still runs like a dream. So you gotta do that? What about rent or own your home? Yeah? Good question, man, I just interrupt really quick before we move on. What would be the one major expense to get hip on first? Would it be get a used car rather than a new car? Would that be like your first advice? What would be like the one first move?

Major life moves? First first first major life move is like stepping away from all of this stuff and figuring out your credit score, because your credit score is like your financial report card, um and you that's actually gonna make the most difference on whether you get a house or car. Like, your interest rates are not created equal. I know you guys all sit around and share your interest rates on your credit cards. Man, yeah, right before

you call in, we had an interest rate specialists. That's true. He's not lying. That's all we do around here. So much promance with interest rates. No, I think you know, we don't realize that your interest to race on everything you borrow money for is connected to your credit score. So if you can increase that and get that in order, then you're going to be saying a lot of money and interest in the long run. So that's the very

number one first thing. And then as far as the house buying versus renting, I think there's a huge misconception and I talked about this and you bunk get a lot enriched fish where a house is an investment, like a house is not an investment. Houses that LEDs to live. And you know, unless you're some you know, flipper person on some TV show like this is not a game to make money. You know, when people say my grandma bought a house for twenty five grand and now it's

worth two hundred and fifty grand or whatever. You know, what people forget is that that thing inflation happened. And so when Granama bought that house, you know, movie tickets were also five sets and so, and you never get the money back what you know that you put into the house. If something goes wrong, look in the mirror,

you're the landlord. And so I think when you're building your career, especially, I like to put the sexty back into renting because you're missing out on your opportunity cost Otherwise, a lot of young people are housed poor, Like they save up a hundred grand or whatever by um, buy a house and then can't do anything else, and that

is no life to live. In my opinion, I agree with that, But there's also the flip side of that to to look at the other side is that having your own home brings an immense sense of calm and peace um, which is almost invaluable to some people. So I don't want to discourage everybody from not buying a home. I would just I would encourage you to look at what the priorities are in your life. But I completely get what you say. You could have that hundred thousand,

You could invest that hundred thousand. It could make you more money while you rent. You could do other things. You could travel, you could live a different style of life if that's what you want. What is the dumbest mistake women make because I can ask that the guys can't. But yeah, for the housing thing, I'll just know really quickly. The difference, um is like thinking of your house is an investment. I'm all about a house being you're staying

short and your calm. But just frame it exactly that way. I don't think like you're going to be making a ton of money in the long run. That's not the that's not the reason, you know. I think the biggest mistake that we make is we try to go into the new year cutting stuff out cold turkey, so you know, no morning latte or do not find any fun stuff saying oh like living you know in austerity, and we

all know that that doesn't last. So a lot of women will come to me and say, you'll be so proud of me I cut out the morning latte um, or you know, I'm not going out, and then come April May they're like, yeah, I bought a Gucci purse because it was so good bye. I'm like, hello, captain obvious, if you just bought a latte and give yourself small indulgences, you wouldn't binge on that. Can I ask you some more stuff. Yeah, if you buy a property, do you

ever really own the property? Being that you gotta pay property texts, you never get philosophical. That's what Gavin does on this show. I like it. Here's another one. You want to answer that one? That's like, if you buy a townhouse, do you really own it? Because you only own up to the paint. You don't own the roof. And it's not even a town it's a house. It's what I'm talking about. And here's another. Are you gonna

answer that? Or what are we gonna wait all day? Well, by the way, there's also in you know, um like tom Springs Areas, the Indian Land. You actually don't own that land. You don't own the land in Mexico to you can do like a year lease is basically like the law they'll give you and then like yeah, and we take that crap back no better. How much you've invested in it. That's incredible. Let me ask you something, Nicole.

Let's say I'm eighteen years old. It was a long time ago, but let's say I'm eighteen years old and my mom just said it's time for you to get out and do your thing, which she said, which I respect I have a job that allows me rent at my apartment. What are the choices I need to start making? Right then, I'm eighteen, I'm on my own. I'm trying to be a man. I have no idea how to be a man. How do I make a good decision

with my money? I think that starting young with dusking is a great way to go because, of course, so longer you keep your money in the market, over time, you're going to make ten percent. And that's not saying that you're watching the market every single day, because I think that's bad news. There's like you need a value to look at the market, um, But over time in solution is throwing out about three pours. So basic masks like I'm happy we learned this stuff is not a

lot of other stuff. But you know, ten minus three is seven percent, so you're gonna need seven percent just to buy the same stuff later on um that you are buying today. And so I would start investing early on with basics stuff like nothing's too exotic. Although the rule of them is to take your age and put that allocation in bonds um and then put the rest

in stock. So if you're eighteen, I put twenty percent in bond, which is a safer investment, and then the rest of the eight percent going into stocks, which is a more aggressive investment, and ETFs mutual funds. It's just that's a big basket, that's all diverse about it, and you don't really need to think about it. I think it's the way to go and those are easy you can you can do that on them at your bank

or a bunch of different online. One more question on that on that UH category, has there ever been a add time to get in the market historically speaking, where so if you got in young before, you're still lost. Now there's i've, I was there a time I'VE. Last

year I studied this a lot. I read a lot of financial books because I was out of hockey, retired from hockey, The biggest earning years of my life were probably behind me, and I wanted to know that the money that I had earned could could carry me financially the rest of my life. And so I studied a lot of this and Amy, I'd actually like to do like a full financial episode to talk about the stuff, the difference between a fiduciary and a broker for investments,

all this kind of stuff. It's better to be for it. I mean, but while he was asking that, but you know, no, it's better to be it's better in the market in the market period. If you there's some go nical, Yeah,

it's better to be in the market period. But you know, you're never gonna be able to tell when you're in the low end, right, So the only truisms in Wall three and maybe in life is by low zel high and it's better to be low expectations, and so you're never going to be able to know right when that when stuff is on sale is ideally you would buy when you know, during the depression when when stocks neuron

sale essentially um. So sometimes when you're going into the market, you know, for easy maths, let's say you have twelve brand and you want to invest it and take it over a year and put a thousand dollars every single month, and so you're sort of hedging for the fluctuations in the market. Interesting, over the last twenty years, the snpis averaged eight percent a year. Correct, So it doesn't matter

what time really you get in the market. If you're in the market for the long term play, just get in the market and there's There's two things to keep in mind there for young people, because the philosophies that we're talking about right here are the two things that eighteen year old guys are really horrible at, And the first one is patients and the second one is thinking long term. Right, Like, it's just unless you had strict

ass parents, it just wasn't a scenario. So when you're when you're talking to young kids and they are kids, and I know how dumb I was at eighteen. If people weren't looking out for me, I would have been a wreck. So you know, a simple thing is like you don't have to just think stocks like bonds are a different, separate thing. I invest in bonds if you

need that kind of an endorsement. Um. There's there's cities that have bonds, like just locally here in California that do great dividends in Palm Desert or Carmel or places like that. But that's long term money that you guys can't touch. So if it's money you can't afford to invest, then maybe wait till you get that promotion at work or until you get that next job. But starting early and starting to develop habits and investing early isn't easy,

but it's necessary. So you've got to do more patients than what the average eighteen year old does, and it takes practice. You're gonna screw up. I did a lot. That's where I was. I was lucky. One thing I'll say that I did right in my life when I had great advice when I was younger. Um as soon as I turned pro and I started making money, my financial advisor asked me, what is your biggest financial concern? And my answer was that I don't want to be

an ex broke athlete when I'm sixty years old. I want to know that I can fish and golf and do whatever the hell I want the rest of my life and just retire. And so when I was nineteen, I put away three hundred thousand dollars. And I know that's probably different than maybe most of our listeners, but I put away three hundred thousand dollars that I won't touch until I pay a penalty on if I touch

it before fifty nine and a half. And that money will sit there and compound interest it's invested, and it will compound and compound and compound, and hopefully it offers me freedom the rest of my the question for Nicole because I'm listening to all three of you guys talk about this as men, and that's what this show is, how men think. And I think, and I think Nicole will agree that women do not make this as not

that they shouldn't. I think we're wrong, but women do not make this as much of a priority as you men do, just inherently by our nature. I would say that's right. In my relime, to break down a wall with a man is not a plant, right. So I think that's why Nicole is amazing as a woman doing what she does, because I'm pretty successful and I don't do any of all the things y'all are talking about. Yeah, it's I do it because in my life, my life was shaped like that. I had prime earning years, I

had potential earning years as an athlete. I had a shelf life, so I had to be aware that I need to be smart with my money. So that started young. Are women failing when it comes to their finances? I don't think we're failing. I've never met a woman who is not a strong woman, So I think that there is a desire to learn more about it, and I just don't think there are enough resources. That's why I of course do what I do. UM, but you know, going to this sort of like philosophy and visit better.

I think if we're keeping it real, you know, women's currency is more looks and men's currency is more money. You can even feel that on the skating field, and that's that's biological. You know, guess what we're attracted to. And so I think that the desire is of course there.

And I go back to the investing thing and just make like a quick footnote, UM that before you even start investing, make sure you have an emergency fund, because you can't go if you lose that job, that scenario that eteen year old you can't go to the grocery store with your four own k or your mortgage or whatever. So would you recommend yeah, I mean six months if you have a steady job. More about nine months if

you have a precarious job. So if you're a real estate groper or you know, a model or whatever and you you're not making the same amount every single month, to make sure that that first, and you know, to your guys, the point of just leaving it there and not touching it, that's definitely the way to go, Like I wouldn't have zero in your bank account and then three grands in you know, a municipal bond or a CD even or anything that's going to earn you something

versus just sitting there. Well, I have one more question. Uh, college, it's very expensive. Convince me that it's worth it nowadays. Oh I don't think so, because I'm not going to convince you of Um. I think in my second book, Boss Bitch, I make the whole case against the n b A, and I break down the economics of that. I mean, I went to Northwestern, Like, I paid off my student debt, But is that changing my career? No. Had I done it all over again, I wouldn't have baughn.

I just wanted to start working. Um so UM. I think a big issue for folks who also have kids is that they're so concerned about for their kids college, which and and and they put that in front of their own retirement or their own investing, which is the worst idea because you have to put your oxygen mouths on first before helping others. If they don't say that on the plane before take off, that to waste time.

It's totally true. You can't be of service to your kids or anyone else if you're crashing and burning yourself. And so by the time your kid goes to college, there's probably going to be you know, a lot of other methods to pay for it, and you're not going to be helpful if their college is paid for it. But like, you're living on cat food when you're retired, and you gotta live on their couch. And so I think that's a really important thing to know. There's a

ton of vehicles, of course, to save for college. You know, I'm not I'm Vegas, okay. Um the one on the uh nicole uh. For our listeners listening that that want to get in touch with you, where can they find you? And also the book where can They get Make You creepy? Don't tell us where we can find you. Just give us for business inquiries. People reach out your Your book is a New York Best New York Times bestseller. It's called Rich. It's called Rich Bitch, a simple twelve step

plan for getting your financial life together. Uh. Finally, and then you have Boss Bitch, which is a simple twelve step plan to take charge of your career. Yeah. And then my new book becoming Superwoman is uh, guess from burnout to ballot super bitch over on the table? Were happy on the table, It's through And then I was like, the bitch thing is over where ultimate ultimate? Okay, but here's the thing right here right about? What's the guy version of this? Is it? Like rich dude, rich pro

rich fasters? Like, do you guys want to get in on that be? What would the equivalent? But I think you should write with Gavin. I think that'd be Gavin. I think you should have some choice titles for you the dough Bros. Nicole, I want to thank you so much. We'd love to have you on AGAINDA to dive further into this, Uh everybody, yeah, everybody check out those three books. Uh. And then Nicole Lapping dot com is where you can find her on the worldwide Web. Thanks Nicole Internet. Thanks

than young people. Got to check that out. You guys gotta learn how to get your investments up early. Man. I hate trying to teach my friends that are in their mid thirties what to be doing with stocks because I'm like, look, I don't know. I just know what I did and what kept me safe with the people looking out for me if you're in your thirties trying to figure out it's like learning to ride a bike pedaling uphill. This is a whole lot of you. One of my one of my best friends in the world,

says Brooks. There's nothing like debt to make a man want to work. And I was like, oh no, brother, And I would caution to anybody listening, don't have the attitude that you could always work for money, that you can always I can always find a job to get money. Start saving now, Start being mindful and thoughtful with your money. Put it away so your money is working for you. We got to take a break and then we'll be

right back with some more. Right after this, we are onto topic number two that the listeners want to hear about on areas they want to improve the quality of their life. In gav we've talked about this, we have, we have. You don't get a lot of it. I say, it's a weapon. We are talking about sleep. Yeah, that's a hard one. Why is it so hard? I think it's the probably the same kind of thing because when you're playing hockey, you are in different time zones all

the time. Stuff like that, you know, traveling, travel, schedule. Same thing with me playing music. Uh, and if I don't have my tour bus, it's just just bananas, you know what I mean. When you're hopping on flights and you're you're catching you know, twelve minutes of sleep in a in an uber or or car or whatever. You know, it's kind of it's kind of erratic. Um. But fundamentally speaking,

my my rhythm is late night. You know. Fundamentally speaking, I usually need typically if I'm going to get proper sleep, like a good eight hours, it won't I won't be able to fall asleep usually until the sun starts coming up, which is really weird. Freddy is gonna ask, you have two kids, how do you sleep? Man? Look, I'm you're gonna be talking to the two of the two of the three people in this group, doctor are some of

the most unhealthy sleep habit habit apologizing. But I have two kids, I have a video game habit, and I'm an actor writer. So you know, first of all, I can't even go to sleep unless I'm listening to like Richard pryor stand up comedy special, and then when it's over, I wake up and have to put on a different one and if I don't do that, I'm just sitting there like this. So eight hours, oh sweet god, eight hours. I think I was probably like seventeen, eighteen years old

and that was a good night, right there. Man, Okay, I got a gift for you, gentlemen, got a gift for you. Just giving gifts here today. So in studio with us, we have a clinical psychologist and both a diplomat of the American Board of Sleep Medicine and a fella of the American Academy of Sleep Medicine. He's also you'll see him up in that resumet. You'll also see him on the Doctor Oz show. We have doctor Mike Bruce with say it right, Bruce, Um, Mike gott asleep.

I have said every podcast I've said that rest is a weapon. I was a professional athlete. Rest is a weapon. And to your point, Freddie, I try and get nine hours a night like that is. What's actually interesting about that is when you look at athletes in particular, athletes actually may actually require more sleep. There's some great data out of Stanford that showed that when you extended sleep,

free throw percentages increased. And so when you start to look at specific tasks within the athletic field, depending upon the sport. It can actually you can see and it's significant improvement in overall. Y, you're you're a mess, right Like, that's just the bottom line is you're a mass the whole thing. I haven't gotten eight since seventeen. So also, to be fair, eight hours is a myth, guys, Okay, not everybody needs eight. It actually turns out to be

genetically predetermined. I can look at your twenty three and me data or your ancestry dot com data. I can tell you exactly how much sleep you need. I can tell you the quality that that sleep is going to be. I can even help be predictive of potential sleep disorders that you can amy, Can we do this? Can we do this? Yeah? That's crazy. Can you give us an example of of of a specific gene type that that that meets us the sleeptally? So I'm gonna give you

one that actually applies to you. So there's something called the pe R three gene. If there's a if there's a slight variation there, it turns you into a night owl. I believe you said that you are a night owl. Now, what's also interesting about night owls? And I treat several musicians artists who are actually out there continue to be out there, much like yourself. So one of the things that I've recognized is jet lag becomes a problem. One of the guys that I treat does two hundred shows

a year. Oh yeah, that's okay, two hundred shows a year in different spots, so jets but he couldn't do it if he wasn't a night owl. And one of the things I found is a lot of my super creatives actors as well, have a tendency to be more night people used to look right, I used to work. I grew up in comedy clubs because my dad's Freddie Prince. He was a stand up comic back in the day. I was hanging out the improv when I was twelve,

watching guys do cocaine in the bathroom. Sure, so it was, and the other part good for sleep, just TONI than just saying. But when I when I stopped acting, I took a random job for the w w E and every stand up comic, every pro wrestler I know must have the peer Is that a p E R three gene Because that's every single man and woman in both industries that I've met. Yeah, it's really fascinating because for certain personality types, it turns out have certain what we

call chrono types. So you might not have heard the word of chronotype, but you've heard of people being called an early bird or a night ol. Turns out those are chrono types. And when people don't go to bed at the same time that their chronotype dictates genetically, they're off and that causes sleeplessness. So there's it's it's unbelievable, and there's some really interesting tools out there people can use if they're suffering from sleeplessness. There's some new tech

that's been coming out lately these days. Also, if you're a video game guy, one thing you've got to consider is blue light blocking glasses. A pro gamer send him to me to carer. Yeah, both of my kids like to game, and I had to actually create my own line of blue light blocking glass. Let. Absolutely, we'll get you something. So what happens with the blue light? What is that your eyes and turns off the melatonin Fawcett

in your brain? So I love melatonin. We do. We all love melatonin at night, but not in this good dream morning. Yeah. Absolutely, and it's actually a really good antioxidant. But there's actually some newer tech that's out now that i'd love to tell you guys about because I get the opportunity to see really really cool, weird stuff that's out there, and it can be super helpful for folks.

Let me ask you this. I grew up surfing, I I was born and raised here as born at Cedar SI, and I I've never needed an alarm clock to wake up. That's a good sign. If I have to get up for work and I know I have to be there at seven, it's gonna take me an hour. Then at six whatever, it'll be five, nine or six on the dot, no matter what. Just my eyes have open. Yeah, it's what what does I hate it? By the way, what

what does that? What is it that makes you go, hey man, you got thirty second still at six am? Good up? So once again, your genetics are playing a role here. Like if I took your twenty three and me data or your ancestry dot com data, I could literally show you on the genome where some of that stuff is happening for you. It's it's quite it's really

quite fascinating. But remember light plays a significant role. So as light increases in the bedroom as the sun rises, light comes through your eyelids and it sends a signal to your brain to turn off that melatonin faucet, just same way that blue light does at night. Right. So that's why we were the blue light blocking glasses at night. We want blue light in the morning. We don't want blue light at night, so we want sunlight in the morning.

So a lot of my athletes what I have them do as soon as they wake up, they drink a full bottle of water and they get fifteen minutes of sunlight immediately because it removed was the brain fog, and then they can move on with their day. I love that. I love that you're doing it that way versus like a pound of coffee or here's like some I'm sint a big, big pharmaceutical guy, and I'm trying to stay away from a lot of the stimulants and the suff

I want people to get a good quality sleep. I want people to be able to fall asleep easily, get good quality sleep, do some things. I'd love to tell you about this new piece of tech that I actually had float by me. It's kind of interesting. It's called Modius, And what it is is it's a headset that you put on these little things that go behind here. You wear for about thirty minutes before bed, and it sends a mild signal into a very particular part of your

brain to shift that circadian cycle. This is Philip K. Dick do Android's dream of electric sheep stuff. Man, this is like stop sleeping, tune to channel. This is crazy. Here's the thing is, it's healthy, it's non pharmaceutical and it works like that was because I was super duper skeptical, to be fair, like I got, I get all kinds of crazy stuff that shows up in my mom's called mobius. What is it camobius health. Have you ever heard of

the bio charger? I have heard of the biocharge. Yeah, so I like there's things about that that I like. I'm sorry it was modi us, not with a B to be clear. I was thinking of the French artists more mobius. There's a little bit of a cross over there. But what's interesting is the signal is very very mild. You don't feel it. You wear it for thirty minutes, you can do it while watching TV. You take it off, you lie down and you go to sleep. Um. Interesting,

So don't do when you're driving. Absolutely do this when you're driving, or sure, um, don't take the melotonin flavored ments while you're driving, and exactly, and don't use this type of device. But it's pretty amazing when you start to think about tech and inn tech actually have an influence on our biology. And the answer is yes, as long as we're responsible with it and we use it in the right ways. Well, we're never gonna do that. It's gonna be terminator to judgment day. Just not as

soon as everyone said. But I'm a big believer in technology, but human beings are not responsible in enough to be responsible with the technology. And someone's gonna go on, build a sleep robot. It'll take over the world. They'll go like inception, like two point out to put you to sleep. I'll jump into your brain. I'm like, yeah, that's great, and you steal on my bank codes. I am so fascinated by people who do not prioritize prioritize sleep because

I can't stand waking up and feeling like ass. I can't stand artistic thing. Man. Every artist I know and every jock I know is the other way like I'm friendly with a lot of UFC fighters and stuff, and their sleep is money there, it's there, it's a weapon. And every artist I know it's like they're texting me at midnight like, hey, man, were you doing. I'm just like,

what are you doing? Like like with my with my actors and with my musicians, I actually create a situation for them where they don't have to go to bed before two o'clock in the morning, because a lot of them like when when you're out there, you don't get off stage until what time to three o'clock in the I mean it just depends, right, And so late at night, one of the guys I w with prints you don't even start till two am exactly, wouldn't even get on stage.

So when you what I do is I actually do a whole shift for them, and I keep them on night mode, and then I have them sleeping during different times during the day, so you're having them blackout curtains and I can get pretty extreme if I need to. I'm actually a performance coach and I use sleep as my secret weapon, right, And so I used sleep to assess people, and I used sleep to actually help motivate people as well as give them more avenues for productivity.

Sleep is the secret weapon of all secret weapons. And it's it's interesting when you say priorities, right, So I'll give you the best priority talk that I ever give anybody. Is you can last for about four minutes without air. You can last for about four days without water. You can go twenty five days without food. You can go for six days without sleep. Okay, well let's talk day four. You are crazy. Let's talk about that. Let's talk about

the debilitative effects absolutely lack of sleep. So like I've seen it in the poker room, right, like a poker player too, when poker was big, and you would see I saw people falling asleep at the table literally and you would see that the way it would affect their choices. Question there the rate at which they would call and guys when they thought they were like talk about how quickly just one night of no sleep can break you down. So it's really interesting. So there's a cute sleep deprivation,

so like pulling it all nighter. And then there's the I didn't get like normally my body needs seven and I only got five and a half or five days in a row. So there's cumulative and then there's acute. Acute has some really interesting effects on it, specifically with decision making and frontal lobe cognitive stuff. The more sleep deprived you get from an acute standpoint, it just gets

worse and worse. As a matter of fact, um, speaking of poker, I think it was Phil Locke who did like an eight day poker right right, Jennifer exactly, and he was a man by the end of it. He was doing the stupidest things you could possibly do. Sleep effects every organ system, every disease state, everything you do is affected by sleep. To give you some interesting science that's been coming out lately, the Nobel Prize in Medicine

last year was given to circadian researchers. Okay, we know that cancer cells multiply faster the more sleep deprived you are cancer. Okay, we're not messing around here. We know that you can deliver chemotherapy at particular times in the twenty four hour cycle. It's more effective and you need less chemo Like this is the secret of all. You actually in the room and lie down, all right. I'm

big in the professional video gaming space. I like that world a lot and a lot of video game streamers try to do these things for charity, so I feel bad. But they say, Hey, I'm doing a marathon twenty four hours of gaming straight, will you please retweet me? And I'm like, bro, you need to go watch they shoot horses, don't They like, can't do that? Like marathon dancing was not cool. It was a lot of ticket with a death sentence. That's not what That's not like you want

it's so important. There's a I heard rumor that there's a show in England, uh, and it's a sleep deprivation show. And they put a briefcase with a half a million dollars in the middle of a room and they say, everybody stay awake. Last person standing gets the case. They used to do that in Japan. It's it's an idea from a Japanese game show. They used to do weird deprivations, the worst idea in the universe to get somebody to

say no when it's five grand on the line. Did you ever see there's some TV show where I can't remember it was there some study where they sleep to deprive people for twenty four hours and then they put them through driving tests. Yeah, that's so. It's really interesting. If you lose approximately three hours of sleep at night, it's almost like if you were to blow a point oh five wow I and so, like they put them through a driving test at twenty four hours, then they

weren't allowed to sleep again. They put them through one at like twenty seven at thirty hours. These people are driving their thirty hours no sleep. They're driving on this like course whatever. And there's like cats in the middle of their own not real ones. Obviously they're just hammering everything like they are. They don't give a damn anymore.

They just they have no pognitive function left right, and and what happens think about it from a decision making standpoint, Like everybody makes a lot of important decisions throughout the day. Some of them are more important than others. For example, if you have decisions if with your children right, you don't want to be sleep deprived making decisions about things

that are yell at your kids quick. As my daughter her best line is if when she when if I'm sleep deprived or somebody in the houses, she's like, Daddy, you're acting like a grumpy fish. And it's like that's the most perfect description there is, Like I totally understand what you're saying, I need to go take an oup? What about that? Was my next question? What about naps?

Because I'm a huge advocate of naps. On game days, we would practice in the morning, go home from that nap for two hours in the afternoon because I don't think I have the PR three or the PR three. Yeah, I don't think I have that because I'm like bad by nine o'clock at night. But if I sleep from one till three, I can then perform at seven until ten, which is when our games were at that Canadian discipline. Yeah.

Which really interesting is if you look in hockey in particular, Um, there was a sleep expert that came in many many years ago. I think it was with the Pittsburgh Penguins, I'm not positive. Um, And it was during the Stanley Cup and they were having all kinds of and so he changed the practice time because these guys had jet lag from moving all around and by just changing the practice time by giving them naps, guess what, all of a sudden, they had more energy. They performed better than

they ended up. Actual Matten did that with the Chicago Cubs when the in the World Series. You had a sleep expert the whole season right now. Almost every single professional team out there, doesn't matter. The sport has got somebody like me who's coming on board and looking at this stuff and trying to really help. Because it's a performance game and these guys are in gals are all being tested for performance enhancing you know, drugs. So that's out.

What else can you do? Sleep? You gotta help these pro gamers out, man. You gotta nobody do something together. Be fine, Yeah, man, nobody's helping them out. Nobody knows that. It's it's kind of a it's like the wild West. Still. You gotta gotta help these kids out, man, well and their kids. So they've got developing brains, like all the reasons they should be getting even more sleep, um, and they're unfortunately they're not. We had a sleep doctor quote

unquote sleep doctor. I don't know if you'd like that term or not, probably about seven eight years ago. So yeah, every team has you get you get a presentation all the time from these guys. They are checking with you randomly. They'll plan as soon as our schedule comes out, the schedule goes to the sleep the team sleep doctor, and he plans your travel. Athletes take it as seriously as you think they need to. Well, that's part of the issue.

I mean that the doctor can plan that like, hey, Okay, we're gonna stay overnight in this city and we're gonna fly the next day, and of the players are going to go, oh, I got a green light in New York City, Like there goes my sleep. Right. Um, But if that doesn't happen as much anymore, if you're responsible athlete, you want to be in the league for a long time, you won't do that. What I am is the rookies are the partiers, and the guys are like, I know, I want like this has got to last. I've got

a shelf life, right, and I wanted to last. You know. The NFL is called not for long right for a reason, And so we want to see our athletes performing better. I mean, as a fan, you want to see it also. And so what I've noticed when I work with athletes is the young ones they're out partying. The guys that have been around two or three seasons, they're like, oh no, no, no. I feel like the social media when these player NBA players get caught at nightclubs, it's all sleep. Doctors just

sleep shaming them. You bet. It's also it's also it's also insane how alcohol disrupts your sleep that withdraws and it'll here's the craziest thing about that. Alcohol is the number one sleep aid in the world. More people drink themselves to sleep than anything else. And while alcohol makes you feel sleepy, there's a really big difference between going to sleep and passing out right. And so what we want to do is want to avoid the passing out.

So my general recommendation, it's okay to having a couple of adult beverages with your you know, your meal at night, but give yourself one hour per alcoholic beverage and one glass of water per alcoholic beverage. That way your body moves it through the system. You can have a nice glass of wine or a Scotch with dinner and then you can still fall asleep and do well. And anything over to it's severely one of two beers. Okay, anything over that is what we were taught in our presence.

Anything from three to six, you're altering big time. From six to ten, I mean you're just destroying I drink Japanese socket and now those cups are small, so can I go too bottles deep. You can go one of those mini bottles to give yourself some time afterwards and some water. Afterwards will be some time, there'll be someone. I'll tell you what. From a singing perspective, Uh, anything booze booze feels good when you're doing the show, great,

you know what I mean. If I if I've got a sore throat, I've got flamed on my throat, I'll drink a little bit of whiskey and I'll clean it off and like warm it up and helps me get through the show for an hour or two. Great. But if I hit it hard next day, I'm done, it's over. And Uh, the same thing with sleep. I mean, if I don't get a good night's sleep and I got a show coming up and I've got to go do a gig and I'm just having a hard time talking. If I catch like even just an hour nap before

the show, my voice feels great. Changes it tremendously for me, you know what I mean. You go from from like just incapable to just you got everything you need. You become the rock star again or the actor or the athlete. Yeah, what's what's the philosophy? On the power nap is the twenty minute nap? Does it do anything? So I'm gonna do you one better. I'm gonna teach you what I call the nap a latte. All right now, this is a technique that I created and it works really well. So,

first of all, naps are great. I'm a big proponent of naps. Unless you have insomnia. If you don't sleep well at night, napping during the day is just gonna make it worse, So don't do that. But let's say you only got five hours and you've got a big presentation, a gig, a game event, what what have you. Here's

what you can do. Go out and get a cup of drip black coffee, put in three ice cubes just to cool it down, slug it, and then literally minutes after you finish it, close your eyes into a twenty five minute nap. Here's what happens is there's this stuff called a dennison in your brain that has to be burned through. That's what the twenty minute nap does. Caffeine fits perfectly into the same receptor sites in the brain, so it's waiting in the wings. So when you take

that twenty five minute nap. It burns through that at Dennison, the caffeine locks in. You're good for four hours. Guarantee, it's rocks. There you go. Listeners, look at that nap a latte years actually taking a lot of naps after a cup of coffee, and people like, are you crazy? It's gonna wake you up. I'm like, nah, man, it feels good. I want to take a nap. Well, interesting,

Where can our listeners? I I want to almost like have a sit down with you for like an hour myself so we can dive further into um your website, where can people find you? The sleep doctor dot com? So I'm availablet the sleep doctor dot com. And if people want to check out that tech that I was talking about, it's at Modius Health m O d I U S health dot com. I want to try one of those whole time. So Dr Michael Bruce, I appreciate you coming in. I Amy I'd love to have him

back on for like a full episode. It's so helpful. Okay, thank you, buddy, I appreciate you. Bet well. He was awesome. Dr Michael was awesome, right, fantastic. Now we're going to get into topic number three that we're going to improve in time management. Boy, And that's a tough one for me. I know, I'll just get a start by saying we're enemies. Also, it's uh, we we are failing massively at this because we have an itinerary for this podcast and we were

running way behind us. What happens and you bring an actor in to fill in, then I'll do my best. So we are going to get into time management. And right now on the phone with us, we have Craig jar O there. Great. Yeah, so first off you have as Gavin said, Greg, well, welcome to the show first and then second story, we're late buddy, So yeah, thank you. I appreciate having me. So, Creig, you are the author of time Management Ninja. I love that. So how does

one how does one become a time management ninja? Uh? Well, I think it really comes through a lot of practice. And uh one of the first things I tell you about time management is it doesn't have to be complicated. It just has to be a part of your lifestyle. Oh. I like that. So your mission is to help individuals and companies sort of reclaim their time. Yes, yes, I help companies and I also write a blog at timemagement dot com, where I have a lot of articles that

individuals can use as well. So, where's the biggest waste of time that you're seeing in companies or people? Individuals? Like something for our listeners? How can they have? I mean, we all have twenty four hours in a day, but how can we have It's something? Honestly, one of my top five goals in is to have space in my life, to create space in my life. So, um, what are some of your tools and tips for me and our listeners to be able to create more space and get

more time back in our lives. Well, I think the easiest one to start with is always the one that we're always carrying around with us, right in the phone. I don't wean, we don't go anywhere without it. Most people sleep with it, and you know it to be your best friend, but it's also your you worst enemy, right, And a lot of people spend way too much time on their phone. Yeah, that's I agree with. Yeah, the phone thing is brutal, and it also your your C

five and C six discs in your neck. Don't don't love you too much either. Here here, here's my question for you. There was a movie that nobody saw with Michael Keaton called Multiplicity, and it was about not Oh you and me were the only ones. Brother. We really like Michael Keaton. So me too. Um. So he has this line where he's talking to this doctor who's a geneticist who's going to create clones for him so he can literally have more time. He's not gonna tell anyone

about the clones. That's how he's gonna pull it off. And uh, when the doctor's first speaking to him, he says, oh, what do you do for fun and when you have time off? And he says, I like to play golf And he says, oh, how often do you get out? And Michael Keaton just looks at him. He goes, never, Yeah, never. But I'm gonna have to cut back. And that's really gonna hurt that. That is everybody I know working today, because most people I know working today don't have one job.

They have to three four five different hustles going on at once. How did you help a man? How do you help that woman who legit has three four five six things going on? The phone? Is the phone the main thing? Like, take some time away from that. Yeah, I I really do think the phone can be the main thing. I like what you said about the golf joke there. I want to address that in a second.

But the phone things, it's everybody's main thing, right We we live and we live on these things now, And for me, it always comes back to is it a tool or is a toy for you? You know? And are you using it to get things done and you know, using it as a superpower to multiply your time, or are using it to waste time and sitting there watching YouTube or social social networks or whatever it may be. So it's kind of like the best and worst thing we have. So I think for many people it's kind

of reevaluating how you're using it. But the other big thing I would jump on right away is the interruptions. Right. You know, we we can't go more than ten seconds without our phone beeping or you know, giving us a notification or whatever it may be. And it's not even the phone calls these days, it's just all the pings and stuff we get. So I think that's a a area to start for most people. Is turning down the noise on your phone, bring off a whole bunch of

a whole bunch of those notifications. I'm gonna blow your mind right now. Okay, if um, just all our listeners. If you were on your phone two hours a day, So let's say you're let's say you're on Instagram or YouTube or something. You're on your phone two hours a day, that's one twelve of the day. Twenty four hours divided by two, that's one twelve, which means that's one month out of every year that you are on your phone. Yeah, that is one whole month of the year spent on

your phone on social media, just scrolling wasting away. That's not accounting anything you're doing with your career. That's not accounting sleeping, what you're doing with your friends, how you're spending your life. That's one month out of twelve wasted. The phone is a tricky thing, right, And and you said something that I think is very smart. Is it

a toy or is it a tool? My godfather a long time ago, when he was giving me the staff drug speech and and don't drink and all that stuff, he said, if it's not helping you push forward, if it's not helping you achieve your goals, remove it from your life. You'll have time for that later when you run out of ideas. Um, the phone thing is tricky because so many people they won't be being honest with themselves,

but they'll say I need my phone for work. And it's this cop out excuse that I hear so many people. Is there. Do you have a philosophy on breaking that habit? Because more than anything, for people to get on board with the philosophy, it's that first habit that has to sort of be destroyed, either brick by brick or all at once. Which way do you like more? Yeah? Yeah, No,

I like where you're going with that. And for most people, especially with that that worked component, it's become a leash, right, It's a leash that's always attached to us. And again we always take these things with us every where we go,

even to bed, into the bathroom and everything. But yeah, and I would I think that's the first thing you need to break down, is how do you break that leash that your phone is Because we're checking our email, we're checking our slack whatever may be, twenty four hours a day, and that's not productive. Um, when it comes to email in particular, I really challenge people, do you really need your work email on your phone? And if

you do. Maybe you only check it morning, midday, and night, you know, maybe three times a day or something like that. But but incessantly checking your work messages and sessiantly trying to plug in, You're never gonna get to your work. You're never gonna get things done. Um you know. So it's it's that leash that we need to break, and that crap makes people anxious too. Constantly chat what did that email? Comes? How to email? Like I see people

get two shakes because of that. The social media, I think is the worst part of it because it's being used as entertainment and that's that productive time that when everyone at the end of that, I'm so ty wish I had more time. It's like, be you spend three and a half hours on Facebook today, you have time. It's hard, though, to break that mindset. That whole there's I mean, there's hashtags of fear of missing out right phone. That's why people get alerts on their phone, which I'm

too old to get. I'm forty three years old. I don't get a notification from a single app I have outside of texts, I don't even get it. I don't even hear my emails come up. I just check them at the end of the day. When my wife and I first started dating, there were things called kicks that were out. It was like instant messaging. Every actor had one, but me, Like, I hated being available. I have a I have a have an app on my phone where if you text me and I'm driving, it auto replies,

i'm driving, I can't talk to you right now. Like, but that's not saving time, that's just trying to be safe. But the phone thing, it's how do you convince someone who says their life is their phone, I need this for How do you convince them? How do you show them they don't? Um, I think there's a couple of things you can do to approach that. I was about to use the word pomo, So I'm glad you went

there first. But this this fear of missing out. Everyone's so afraid of missing something instead of actually living their life or doing their own thing. And and if you let that rule your life, you're you're not living your life, You're living someone else's urgencies and notifications popping up. UM, I think one thing you can do. I'm amazed that you got you. Guys sound very disciplined around the notifications

and your phones and your technology. But I think for a lot of people, they can really start by, you know, doing a self examination of what's on your phone. You know, one of the things that challenge people with is what's on your home page or your phone. You know, we don't even have one page now, we got you know,

nine pages of apps on our phones. But you know, when I when I see somebody open up their phone and the first thing thing that they've got there is YouTube and ESPN and whatever else may be, you know, Instagram. You know, that's what you're gonna do when you when you're playing with your phone, you're gonna be playing with it instead of using it for productivity. You know, do you have your to dos to your calendar or stuff

right there instead of those games? You know, that's like asking an alcoholic to look in the mirror that for real, what's what's on the first page of your phone. That's like looking into your own soul and genuinely kind of analyzing what you see and is that something you respect or someone you don't? Do you know, how I approach

a phone? This is I hope this this helped me major and I hope this helps other people, Um Craig, I approached my phone as I pay money each month to have this device that gives me access to other people. I do not pay money each month to give other people access to me. So I think that's a big thing. People think they have a phone, they have to be accessible to everybody, and I have blackout times in the

course of my day. Amy knows this. When I'm training, when I'm working out, my phone is nowhere nearly from from nine o'clock till eight am, I have do not disturb on. So if any text or phone call comes through, with the exception of my wife, I do not. It does not alert me. My phone is silent from nine

pm toe that quiet. All four of you comment on what if somebody has a relationship that's long distance, so really they rely on the phone and face time and text id that to be able to communicate with their significant other, Like what do all three of you think and our experts. That's fine. I had to do that. My wife and I FaceTime all the time because we were living on oftimes. An exception to the rule. Yeah, that's like family time though, It's just that that's the

construct we live in today. The Jetsons could do it, so we get to do it, you know what I mean? Like that, and that isn't time waste of time with the family. I think it's more the YouTube stuff. It's more the waiting for alerts on what celebrity or politician or or or athlete did did what? And oh okay, let me see what everybody's saying. It's like you just spend forty minutes doing nothing. That's why your boss hates you.

That's why you don't get in respect. And one that's why you don't get the promotion because you're concerned with that stuff. I know that's hardcore these days, but that's just that's real stuff. This guy really really what you're saying, Freddy, is that a lot of people spend their time watching other people's lives. At the base of it, that's what

better than you are spending your time. Gavin and I fighting with you a couple of weeks ago, we Gavin, I were so heated because we're like f this social media where people are just showing their best lives and then remember, everybody came at us. I'll show my worst life. Did they come at us? Yeah? Yeah, it's that's why because because we are making just saying that their pretty lives. What did people come at us online and our co host Gig here's a question, Greg, I have a question

for you. What about another topic? Um? What about work life balance? How abo do you advise people there? Um? I think there's two things you can mention there. One. You know, I'll close the book on the technology for now. We kind of beat the phone thing. But but but again, it's about turning that off. It's about turning that off when you when you go to bed. You know, we talked about the pomo. You know a lot of people that that's what they do right before they go to bed.

They don't even talk to their spouse. They're looking on their phone or they're checking that work email. Um, he will separate. That separates relationships. There's nothing more cold in a relationship. It's so weird when you see two people at a table out of dinner. Oh man, they're both on their phones. It's so weird to me. And you see it used to be like a unicorn, but now they're texting. Right, that's very They don't even chat on Game of Thrones. Okay, sorry, Craig, keep going, No, no,

that's good. That's good. And I actually talked about that on my website. Was like, called it having an affair with your smartphone in the dating sites, but you're having an affair with your smartphone instead of with your spouse. Yeah. Um, but go go back to work life balance. Um Again. I think it's about setting those boundaries. And we've talked about the FOMO, we talked about the interruptions, but I

think it's about spending some time. You know, you mentioned how two hours a day adds up to a month of your year. How much are you spending on your life and and you know you can't force quality time. It's about spending time on the family, but then also spending time on yourself. And one of the other things that I like to talk to people about is having a hobby. And a lot of people like you made that golf joke earlier for multiplicity, but but so many

people don't make time for a hobby. They're like, I don't have time for that. But the truth is when you invest in yourself and you invest in that personal time, you actually multiply you know, your time because that passion, you know, spreads to the rest of your life and you're that much more enthusiastic and energetic. And so getting in that golf time, if it's for you or it's you know, whatever your hobby is, can actually give you

more time back in your life. And I think that's a something that people don't see, that they need to spend that time on themselves, whether it's at the gym or doing a hobby or whatever it may be. Uh, that's that's dead on. And I look, I'm a big believer in that. I found when I was a kid, I figured out kind of what I loved and I

never let go of that. And as I grew up, I used to play Dungeons and Dragons as a little kid, right, And as I got older, that group went away because it was all these adults say, no, I don't have time and adult life and all this. And I finally just started making time. And this was a good reason. This was a good part of social media. I don't want to just trash it. I found other people in the local l A area that also played, and we're

looking for games and more. And if you make a hobby, I'm not gonna go on a D and D tenement a tangent. If you if you have a hobby, it means you have passion for it. And if you have passion for something, you will create the time because it's more important to you then watching that basketball game in March madness. It's more important to you than this all this other stuff. It was more important to me than going on dates with pretty ladies. That's how much I

loved it. I made it important, you know what I mean. So if you have passion for it, you can make time for it. It's when it's when you're kind of half ascid it. That's when you're like, oh no, I don't have enough time. Greig. I have a question for you. I heard this analogy about work life balance. I want to bounce it off and just get your thoughts on it. Somebody said that to me that work life balance was

like a teeter totter. So a teeter totter, you're never just like if you were to sit still, perfectly balanced with the person on the other side, you'd go crazy. All of a sudden, You'll be like, okay, I gotta move one way. So it's either you swing. You swing into work a little harder and then it swings down and you swing more into family time, and then once you've had a lot of that, you swing back into

some work and it's this little it's a dance. It's like a teeter totter up and down, back and forth that it's it's not really a balance. It's never sitting there where the teeter totter isn't moving, um, because that's just boring for everybody. There's nothing there. But it's it's a a give and a pull, or like a push and a poll, and it's coming to coming back from just moving in and out of work and out of family time. Does that make sense to you? Te it was?

I like that. I like that, And it sounds a little a little philosophical there, and if if you want to go on the philosophy side, I think it absolutely can be true in terms of you're always going back and forth. I mean, there's never gonna be a perfect stationary point to each stationary point. You're probably dead right, um. But I think it wasn't trying to be more of it,

I say, just spreading that positivity rap. You know, it's it's always going to go be going back and forth, right, And you know, we always have busy times at work, We always you know sometimes have you know, either exciting things or drama things at home. So you know, I do think it's a it's that Teter Tyer analogy is

a good example or good philosophy. I'll say this though, if you remember being on that playground to be on that tier, Tyder, if you ever took it too far and that board hit the ground on one side, it wasn't a good feeling for anybody, right. Oh yeah, I used to jump off on purpose just to make guys wipe out. Man, take that time from him and make

it my own. But my point, my point is, I think if that happens in our lives, if one side hits the ground, you know, everything kind of comes out of balance, you know, and if the if the personal side or the work side goes too far, then it's a jolt to the system for everybody. Yeah. Um, awesome, man. Uh, Where can people find you? Because I love I love what you're talking about here, Craig. Where can people find you? How to manage your time with Craig Jarrow? Um? Is

that where you hang out the most? Uh? No? Actually you can find me two places, one on the web at time management ninja dot com and then actually, I just had a book come out two months ago. You can find that on Amazon. It's twenty one tips for more time and less stress in your life Time Managing Ninja. So check that out. You know what I might do a book? I might start like a book club where I do a book a month. Good idea where I do a book a month. I want to add that

we finally get invited over to your house. He gave has been to my house. I just had gave over for Thanksgiving? Did you about that? Yeah? That's awesome. Can I jump in um? First of all, thank you for inviting me for thanks you because you made my Thanksgiving bro. Thank you love you appreciate very much. But more important, only can I make sure the books are small books? Yeah? No, I like small books. I like small books because you know my eyes get tired. That's something that will put

me to sleep. Yeah again, but that's a good stupid a long book. Yeah, it's true. Even when I'm interested, then you know you're gonna quit just based on the thickness of it. You gotta put me to that's true. That's true. I appreciate you, Craig, thank you so much for coming on