Friday Flight - Getting Paid On Demand, Sneaky Internet Bill Increases, & New Cheap Drugs #384

you and visited some family last week's right. Yeah, so we all actually met up. We stayed at a cabin together for one night. They're just outside of Knoxville, outside of Dollywood, which is actually where we went. Roads and roller coasters. Very nice, good time. And you're explained to me, like, in my mind, I pictured Dollywood being sort of like this, like uh, like a fake basically, it's got elements of that, but it's more six Flags then. Yeah, exactly, you're saying,

there's like actual roller coasters. There're some really good ones. Yeah, Well that means that Dollywood is kind of like bumped up slightly in my book, But then again, it's been like decades since I've even been to six Flags Worth a visit. I want to say it's a little expensive though, so but yeah, it's a fun trip and it's you know, pretty right there in the foothills of the Smokies. But you've got family right there as well. Right, good time

meeting up, no doubt. So, but I wanted to mention, Yeah, the the second night we ended up staying in a hotel is my first time staying in a hotel since the pandemic began, and it was great. It was a totally fine experience. But then I read this story about how Hilton hotels are going to stop doing daily housekeeping,

and I was like, oh, that that's interesting. Uh, you know, you're you're so used to while you're away during the day, Um, not in your room, someone comes in, makes your bed, tidies up, you know, cleans the bathroom, and then you come back and you're like, oh, it's all fresh and tidy. But yeah, apparently this is kind of something that's going away.

Housekeeping costs a decent bit and people don't necessarily appreciate it to the extent that you would expect, and so yeah, I was wondering, what's your take if you could pay less to stay in a hotel but not receive the daily housekeeping, would you do it? Oh? Yeah, Well, if I could opt out of that and that actually meant that I was saving money, I would have one hundred

percent do it. Because here's the thing. I'm one of those people who isn't used to uh room service coming in and you know, putting fresh towels up, and you don't have that at your house. Just well that's the thing.

Like I don't go and stay in hotels all that often, and so honestly, literally, anytime I go to a hotel for me, it feels weird for you know, doing it for you because I mean at home, I mean we kind of clean up like once a week or every couple of weeks like that, and so I just don't feel the need for there to be cleaning up like that that has to happen every single day, right, Like that's not how often I clean my bathroom at home, and so I'm not expecting that when I'm staying in

a hotel. I guess I do a pretty good job just like not destroying the place when I go and stay at a hotel. But like, yeah, I take my towels. I hang them up so they dry. It's not like I need a brand new, you know, freshly laundered towel, because mine just like watted up in a wet ball in the corner. Like, who does that? I mean, I don't do that at home. Who lives like that? Well, I mean obviously people live like that because they're used to doing that in a hotel. But but that's just

not how I roll. Uh. And honestly, the privacy aspect of it too, you know, like you're staying into your space. Yeah, like I've I've got all my stuff kind of out and especially to like any to be honest, they don't want your stuff, man, nobody maybe somebody else's stuff and that you like maybe like a laptop or camera and so I don't know, not my phone. I will say. Yeah, it is is a good feeling to come back and your room is tidy, but it's also an awkward feeling.

I agree. And if it meant that I could save money by you know, avoiding having someone coming to clean the room, if it meant that my room costs less, I would be all about that. Yeah, And I'm for it anyway because of the privacy yeah, yeah, I just don't want somebody like I don't know in my space. So I don't know, especially if like all the kids stuff is out as well, it's just like, well you just just leave it there. We know where everything is

and we'll take care of it later. But well, it'll be interesting to see if that's something that catches on. And if you know, some hotels make that like a calling card saying hey, come stay here. It costs less money because yeah, we don't offer this perk or this perk. And sometimes it's all about the proliferation of perks and I'm like, no, no, give me a fewer perks if it means that I get to pay less money for it, exactly. That's like a difference between flight flying Delta versus flying

Southwest or Frontier. Right, It's like, well, I don't care to have free check bags because I don't want to check a bag. That's not how I'm going to fly exactly. So if there are tears and and different rates that you can pay based on what you're willing to receive from that, I am one for that, dude. I think that's great. Agreed. Yeah, I'm totally willing to do the backpack on my shoulders, and if it means that I can spend less on the ticket and then also avoid

some sort of check bag fee like I'm in. Kind of comes down to the money he has. It always does us here on how the money. Yep, ye, alright, let's keep getting on, Matt. Let's let's get to the Friday flight. In the sampling of stories which on interesting this week, I want to say to um, congrats on your purchase of that Super Mario game, the unwrapped one one point five six million that I didn't know you had that kind of money, so ridiculous for the best

investment you've ever made. Well, here's the thing. It was the Super Mario sixty four, right, it was that cartridge. And it's not like that was like the first one they ever made or anything. It was just one that hadn't been opened, and so it was extremely ridiculous. People have too much money. But I mean, if there ever was a game that were to fetch that much money, that game was like groundbreaking to you, Like the ability to explore three D worlds, it was amazing, that's true. No,

it was you've seen the lesson thralled about it. Well, I don't really play video games. I don't know now, but back in the day, I mean as a kid, I never acting my mind blown even had a Nintendo sixty four, which I feel like it was probably the best game system. Was the best I always had, like the Second Genesis, which was which was fine. So it was great. It wasn't as good. It wasn't as good, all right. Well, yeah, and uh man, it's important for

us to mention to the child tax credit updates. Yeah, thirty five plus million people yesterday should have gotten money in their account. So yeah, check your bank accountancy if that direct deposit showed up for you as it did for Matt and I. Um, future deposits are going to happen on the fifteenth day of the month. The payments are between two and or fifty and three per kid, depending on the age of your kid, if you're eligible

for the expanded child tax credits. So basically, the fifteenth is like everybody who has kids, it's like the new favorite day of the month. The rest of the year, it's like pay day, and you know you're gonna get that little what feels like a little bonus there on

the fifteen. Yeah, but but you know, we want to mention, don't forget to have a plan for this money, especially as people are finally starting to receive it, preferably using it to accelerate debt payoff if you're in that position, or to stabilize your savings if you're in that position, or you know, even allowing you to invest a little bit more and maybe even into a plan for your child if you're already doing a great job investing in

your own retirement accounts. And yeah, if your funds for some reason didn't show up, head to the I r S Child Tax Credit Update portal for some details. Will link to that in the show notes. Some folks, but not a large percentage, are going to be sent a check that's going to take a little bit longer to arrive. But it's just important to note that that money should be in your account right now, at least the first

installment of it, exactly. Yeah. So on the on the note of getting payments earlier than usual, many employees no longer want to wait the standard two weeks for money that they've earned, and employers they are responding to those once. I guess they're not demands, they're just once picketing you know, give me my money now. I want to get paid

right now. But some companies are starting to offer pay on demand systems, and the biggest payroll services like Gusto Paychecks are saying that the number of businesses offering access to these daily pay services has doubled, and the number of workers who are accessing their pay early has also doubled. It's done the same thing, not surprisingly Walmart they started doing this back in seventeen. The big ride sharing companies they followed suit. Now there are lots of other companies

who are doing the same. This is of course a major benefit to those who are living paycheck to paycheck. Those folks are the most financially vulnerable and not having the pay that they're earning from their job the day that they make it, it might mean that they would take on riskier measures to to make their ends meet, like I'm thinking about, like payday loans or like tidle loans. Those are two of the worst by far, are the

worst products in existence. And so while it might seem that these are that this is helpful, right, the benefits may not extend as much as they might appear. Yeah, And I think that's because delayed gratification is one of the essential building blocks of personal finances. Something we talked about on the show, right that saving for your future is essentially doing just that. It's prioritizing future you over

current you. Um. And waiting two weeks to get your paycheck was often one of the ways that we learned that lessons, one of the very small ways that you would learn that looks exactly. It was like, okay, cool, We'll have to wait for the money that I've earned for a couple of weeks, and it was forced delayed gratification helping us I think maybe in other ways to

prioritize that in our own lives. Uh. And so, yeah, some employers are making early access to their pay e park, but other employers are actually passing on the feet to their employees for that quote unquote benefit. Right, So early access to your pay might actually cost you a little bit of that pay um. So yeah, make sure you

know that before we start grabbing your pay early. On one hand, it is nice that employers are making it easier for employees to avoid just some of the awful methods of getting their hands on cash to pay for rent and groceries. Matt, like you mentioned, But on the other hand, it's crucial for us all to be saving something,

to build up enough in our reserves. Starting with the number that you and I always talk about, two four hundred and sixty seven dollars, it's uh that that is the amount that it's going to take for most people to be able to weather most financial storms have come along without needing to find that money elsewhere, and it just makes me think mad. There's this like video of this guy on YouTube that I gotta say, is like really incredible. Well, we'll link to it in the show notes.

But Diamond Dallas Page, former wrestler, has this yoga program and there have been some some people that have done this. Who takes from a former w w One of my friends did and he said it was Yeah. He said it was awesome. It's a wonderful system. Gott to check it. I like yoga, go to the free parents yoga associated with the school. Let's go to Yeah, so it's you know, yoga,

a bunch of moms really the only guy there. But literally there's this really cool video about this one guy who started doing d DP yoga, which is what it's called, and he lost a hundred and ninety eight pounds in one year. He was four hundred and seventy five pounds to begin with. And it just made me think, like, when it comes to saving up the two thousand, four hundred and sixties seven dollars, it might seem on its face for some people that that's gonna be really hard

or maybe insurmountable. The idea of losing two hundred pounds in a year is, you know, at least in its outset, seems like it's not gonna be able to happen. It seems like it's a goal that can't be accomplished. But he just worked at it every single day, um, and it was just impressive to see his results. And I feel like for anybody out there who says, well, that's not possible, I need this product in order to solve

my financial situation. I mean, I don't know that that video was an inspiration, and I think to a lot of people, and yeah to me too, Yeah, well, because I guaranteed that he didn't lose nearly two hundred pounds by like eating fat free triscuits or something, right, he was actually doing the work. He was addressing the underlying issues of the problem. He wasn't just like going with

a simple fix, right, no minor tweaks exactly. And I feel like that's the biggest problem with these like pay on demand services, is that they are only it's just a band aid, it's a temporary fix on something, and the underlying issues aren't being addressed. And until you address those those real problems, uh, this is something that's going

to persist. And so I like, this is why I feel that sometimes these you know, these pay on demand services might actually do more harm than good because it might just enable the behavior that has led them there in the first place. Right. And then what happens once you've got your pay the day you get paid and which still don't have Now you're on that time schedule, you're still living paycheck to pycheck or now you're living

like week to week or day to day. If you're if you're getting paid daily, right, you're not addressing the underlying issue, which is doing the hard work of saving a little bit more and having that margin in your life. I gotta check out this video though, because I want to see uh Diamond Dallas page as a yoga instructor. Yeah, but okay, so while we're talking about health here, man, let's move on and talk about cheap drugs. Everyone wants to spend a little bit less money on their drugs, right,

not much worse than over priced drugs. We're talking about prescription drugs. Of course, there's been a a major spotlight shown on the rising prices of some important drugs recently, and many of the like the most substantial increases have come on on what are called like these designer drugs that aren't used by most folks. Right, they're not used by the masses, but if you happen to to get a more obscure illness, the drugs to help you could

cost a fortune. However, one drug that isn't a designer drug, but it's one that millions of people across the country need and use regularly is insulin, and those prices have skyrocketed in recent years. Some folks have even taken to driving across the border to buy their insulin over in Canada because the costs have become prohibitive here in the US. But thanks to Walmart, cheap insulin is is actually now a thing again. Yeah, that was really exciting us for

really good to see. And yet starting this month, Walmart is going to be selling their insulin for about seventy three dollars a vial, that is actually substantially more affordable. Yeah, then the three, which is what the big three pharmaceutical companies charge, right, And so it's ridiculous because they used to charge a reasonable price of forty dollars back when they introduced their form of insulin in the year two thousand. That was not that long ago, twenty years ago, right,

it was crazy, like substantially cheaper. So yeah, the the increase is eight which is just kind of hard to fathom, right, Um, And according to the Mayo Clinic, insulin in the U s has cost ten times more than what it costs in other countries. So yeah, while Walmart gets a lot of flak, I think, um and in some ways maybe deserved. Well, I'm really glad to see them disrupt these massive price increases by the major pharmaceutical companies because this is a

drug that people need and many currently can't afford. So yeah, they're just seeing the price drop that much. Um, Walmart's gonna have a big influence on a whole lot of people's lives with this, absolutely, Yeah. And it's not like this is some crappy version of the drug as well, Like they have partnered with Nova Nora disc, who is one of the major three pharmaceutical companies, right, and so it's not like this is some inferior insulin. This is

the good stuff. This is like the rapid acting stuff that people have come to expect that like you know, it doesn't take hours to to actually start working, takes like fifteen minutes. And so just the fact that they've been able to partner with one of the pharmaceuticals is just I think, I don't know, just a little telling of the fact that those three companies have essentially cornered the insulin market and been price gouging over the past

twenty years. And Walmart has been at the forefront of lord prescription drug prices for years now, starting with their four dollar generic drug list back in the day. Still remember when they first initially launched that, and it's like, Okay, this is a big deal, huge deal van Uh And then you know, since then others quickly followed. But since we're talking about prescription medicines, good r X, they announced this deal with door dash uh similar to a deal

that was created for USA A members. Do Dash workers also known as dashers. Uh. They now have access to good our X Gold, which gives them access to substantially discounted prescription drug prices. But that being said, you don't need to be a door dash worker or a dasher or a USA member in order to pay less for your prescription drugs on the rag, using good or X

is totally free. You don't have to pay anything. But if you or someone in your family takes a lot of medications, uh, then you know consider paying and joining the Goal program because that could end up saving you a ton of money. But even just the regular non subscription good x is an incredible money saving tool that we would totally recommend, and we'll make sure to link

to them in our show notes, no doubt. All Right, well, we got more to get to, Matt, including why your cup of coffee every morning it's gonna cost just a little bit more. We'll get to that and some other stories right after this break. All right, we are back and it's time to get to some more headlines we found inter seeing this week. The Fronday flight, plus that expensive coffee story that you mentioned, Joel and I am literally drinking a cup of coffee right now. So I

am very interested and fearful. I think, well, yeah, but first before we get to that, Matt, we gotta get to the ludicrous headline of the week. Care you go, You hit it right on the head. Someone on Twitter requested that we actually go false set out. Yeah, I actually are. You came through on the clutch, you know, I try to deliver. I want to make people happy. All right, Well, this one is how internet and TV

providers get away with jacking up your bill. This comes from the Washington Post, and uh yeah, the writer of this article describes something that all of us have dealt with at one point or another, signing up for internet and getting a bill for way more than we bargained for and way more than we were promised on the phone or you know, online through a chat right bait and switched tactics exactly. And Matt, it actually just happened to me, Like all we did was moved to a

new house. And so yeah, we're literally just moving service, which means we should keep the same rate because we had our current rate lock through October, but our next bill was ten dollars more. A little sneakiness right there, right, So I had to reach out change service feed no, but it wasn't even that, Like it was like, no, now your new rates forty bucks And I was like, wait, no, it wasn't no, not at all. So I reached out to Twitter, like we recommend to a lot of people

to do that. Sometimes you get the best customer service that way. And then I had to hop back on the phone with one of those social media specialists because they can't resolve it fully through Twitter, which is silly, but yeah, uh they finally were able to get my bill back to normal. But most of the country has only two options for home internet service, right, so it's not like this is a vibrant, competitive marketplace and you can leave this crumby sneaky company for you know, one

of many others. Like that's just not how the system works in the United States. Sadly so, this lack of competition, it's led to opaque pricing and frustrating customer service for many many people, uh myself included, but all of us at one time or another. It seems like if you have a home internet you have at some point been screwed over by the Comcast, the A, T and T

S or the Cox Campel companies of this world. YEA. Honestly, if you have just like even a couple options that you can choose between, you're at an advantage, you know, because there's a lot of markets where there's only one provider and they don't really have much choice, you know, you can't kind of hop back and forth like that. But even still, like when it's a doopoly, it's like there's still not much choice and they kind of work

together to keep prices high. Yeah, sort of like you did, kind of getting on the phone with him, dealing with these different customer service representatives with the internet companies, that takes a lot of a lot of patients kind of have to get zen with it or maybe put your head in like a monk like state where you're not gonna let the stress get the best of you, man, because if you start yelling, it unhealthy anything. But here's an interesting stats of Americans say that internet is as

important as electricity or water coursing through your veins. And I made uplast. Yeah you still need your blood. You could live without internet, But that was according to a survey by and some reports. It feels like maybe it's a bit over the top, certainly will will take water over home internet access every day of the week. Water water is a little more important. But since home internet is probably the the equivalent of oxygen to too many folks these days, let's quickly talk about how you can

pay less for internet. So first of all, you've gotta be willing to go through the song and the dance of canceling your service. Not unlike what you did, Joel, This will get you the customer retention department, which is the the only department that has leeway to offer you better terms. So if you're you're pleased, maybe fall on deaf ears, then you're probably gonna need to switch to the only other provider where you live for a new customer deal. And again that's assuming that you have access

to a second company. And also keep in mind that switching back and forth on the RAG is sometimes the only way to save if you have options. You know, when you're being loyal to Comcast or or to a T and T or two Cox, that's just gonna be a recipe for consistently paying too much. I think loyalty is a good thing, Matt, being loyal to your friends, to your family, but to company where you're getting Internet from yeah or your insurance providers, was what I was

gonna say. As well, Sure your car insurance rates tend to go up, they don't go down. They don't reward you for being a longtime customer exactly. Also, I think another way to save money on your Internet is question whether you need the fastest speeds or not. Right, Like, you could save more by downgrading the service that you get. If you're currently like signed up for like the four d meg service, well maybe you can switch to fifty or a hundred meg service, which is maybe plenty fast

enough for how you use the Internet. I think sometimes people frown on that, but it's like, I don't know, man, We're we're rolling with the fifty meg service and we're paying thirty dollars a month, and it works plenty fine for the streaming that we do and the ways that we use it. But exactly, it might not work perfectly for every family, especially if you're working a lot from home,

but it's worth considering. Also, get your wireless router out of the cabinet, get it up high and out in the open placement matters of a great deal so that you can actually get what you're paying for. And if you're still having issues with it not being fast enough, connect directly to your or modem with the the ethernet cord right Like, we did this during virtual school and

it made a big difference. It made the speeds consistently faster um and hopefully in the future this isn't gonna be as much of an issue as five G connectivity brings us more options and more competitors into the space, like T Mobile already offers five G at home, so that's worth considering if that's offered where you live. But you gotta fight back against the high prices in the annoying fees, and it's not easy, right because they come

standard in the industry. I know it's a huge pain point for a lot of people, but it's one of those things where we gotta kind of stand up for ourselves and waste of time communicating back and forth in order to get the price that's right. Yeah, And I want to kind of circle back for a second, because you talked about making sure that you're wireless router is in the proper place. People don't think about that right

like they like they truly do. Stick them in like a close cabinet and they're wondering why their internet sucks. It's like, well, well the single has to go through the wall or you know, through a cabinet, it's not going to work as well. And oftentimes folks or if it's in the front left corner of the house and you're mostly in the back rear, and it's like put

it somewhere central. But folks want who take this seemingly easy path and just throw more money at it, and they think, oh, well we need the higher service router now that cost four and maybe like maybe you do right, but first make sure that you've got your router place somewhere where you can experience like essentially the proper flow of WiFi around your house. It doesn't come down to just you know, pumping more speed behind it if it

can't get through you know, the walls. Especially, man, we live in an old neighborhood and the old houses like the walls, but not made of drywall. They're made of like rock, like the old plaster walls. It's essentially like concrete so hard. Yeah, it's a lot different than the newer construction. So especially if you live in an older home, this is something to consider. Uh, Joel, you know, while we're talking about like technology here, let's talk about another

expensive tech item smartphones. Uh see that they had this article on the two year upgrade cycle this week and they said that it's essentially obsolete, and we couldn't agree more. It's like this was basically a function of the old two year contracts that used to to be standard with a different major wireless carriers. I'm so thankful that the two year contract thing is gone. It's actually like I feel like it's almost coming back because the phones are

getting more expensive. We talked about that not too long. Yeah, it's true. It's like they're trying to lure us back into that system, but that is not a good system for us if we want to pay and you don't have to participate with it, right, Like, I'm still rocking the original iPhone sc that was released over five years ago, and so while upgrading every two years it never made financial sense, it's certainly made some sense from it, like

a tech improvement standpoint. Uh, phone cameras and the screens and the battery life have all gotten much much better. I don't know how much longer I'm gonna last with my old phone. Yeah, Yeah, the difference between an iPhone four and iPhone five is much bigger than the difference between the iPhone eleven and twelve, or what the twelve and the thirteen is going to be when it comes out or whatever. That increases in technology are incremental, whereas

phones we're changing a lot back in the range. The marketing makes it seem like you need that new phone, but the upgrades are just so minor that is best to stick with what you already got for a little bit longer. That's how you're gonna be able to save the most money. Yeah, let's normalize longer upgrade cycles, maybe maybe four to five year upgrade cycles. Right, Just holding onto that phone longer is going to be a big monetary savings and you're not really losing out on all

that much. Yeah, it shouldn't be just to where when you start approaching that two year window that you think it's automatically time to get a new phone, Like it's almost been programmed into our minds that that's the case. But hopefully when you step back and look at it, you realize that it is not necessary. Yeah. I think I think the older phone it should be more like

a badge of honor for us, for the people. Right, That's that's what we're trying to do at least because and not only are you saving money, but you're you're preventing waste, right because the US is the world's second largest contributor to the ways we talk, nearly seven million tons of discarded electronics, you know, from our home every single year. So yeah, forget about the size of the

match or the slightly sharper camera. Doing away with the standard to year smartphone ownership timeline altogether is a boon for your bottom line. Is good in a whole lot of other ways. To write, phones are just not changing enough to justified the expense that cell phone manufacturers continue to try to get us to shell out that money for um. So yeah, we completely agree with seeing that

hold onto that phone a little bit longer. And if you're like itching to get something new, um, maybe like get yourself a cute little case or something or something like that that makes your your old phone feel a little newer, show it to love, get you with that fresh pop socket to keep you from dropping that thing. Let's talk about inflation. It continues to rise at least for the time being, and use car prices are a

huge reason for that. According to the White House Council of Economic Advisors, of the month over month increase has to do with either car sales or a car or auto parts in car rentals. And so just because we're seeing inflation figures at their highest level since two thousand eight, you know, just before the Great Recession, that doesn't mean

that we should be overly concerned with it. It seems as if the rise in inflation is leveling off a little bit here, but we'll just have to actually wait and see until July's report comes out next month before we know what the future holds. I think in a lot of ways, it's good to see that so much of that headline number really stems from one section of our economy, and as that supply chain begins to get corrected, um, we're going to see the overall rate of inflation decline.

So right now, if you're trying to buy a car, obviously not a good time you're experiencing record levels of inflation. But for the rest of US, UH inflation is a concern, but it's not nearly as big of a deal I think as it's been made out to be by some people. But one sad headline map this week came from the Wall Street Journal, and it was bad news for coffee draink. Yes, this is it. So coffee prices are going up due

to poor harvests and increased demand. I guess people are, you know, taking back three cups of coffee instead of to on ourges these days? And I will say, the price of coffee does impact all of us. So I guess what's the answer to saving there? Well, drinking coffee at home is a big one. The cost difference between buying a cup of coffee while you're out and making it at home is incredible, Like it's substantial, because what was the average cup of coffee cost when you make

it at home? Something along the line of if I had a guess, yeah, it depends on how nice your beans are. But yeah, drinking less coffee out. And I'll add to you can drink less coffee at home, you know, even though you're spending what like a quarter or something like that on a nice cup of coffee at home. I think you can reduce your consumption of coffee at home by drinking it at more strategic points in the day.

We've talked about this before. Do you drink you something it's like noon, right, yeah, Well so if you can just even delay your morning coffee by a couple of hours. The the idea is that cortisol, your cortisol ofvel spike first thing in the morning. So that's what makes you feel alert. Um too much quartisol, like, that's what makes you feel anxious and stressed out, But that's what makes

you feel alert. And by drinking coffee first thing, like right when you wake up, like most people do, it actually kind of dampens that natural effect of that cortisol. And so you you're supposed to wait a couple of hours until it starts to taper off a little bit, and then you get to pick it right back up with that first morning cup of coffee. Alright, I personally I like my coffee right after lunch. And I guess, well, I wonder what would any buddy with rising coffee prices

consider quitting coffee altogether? I think anybody out there who drinks coffee is like, ultimately, that seems kind of crazy. No way, Yeah, I'm not gonna happen. Although, but there was an interesting article by Michael Pollen, who the Food writer. Recently he had an article in the Guardian and he quit caffeine for three months and he said that his productivity declined quite a bit. He was like, um, lit

a little more quicker to get frustrated or angry. And yeah, he said that most of us are basically dependent on caffeine these days just to make it to our baseline of productivity. I think there's some truth to that. Um, But yeah, all of us are gonna have to get ready to pay a little more for our little daily addiction here maybe in the coming weeks and months. Yeah, this might be a way that we all as consumers see inflation start to affect our bank accounts just a

little bit, because it's gonna come on. It's not like coffee costs all that much. It's not a huge part of our budget. But yeah, something to be aware of exactly. Well, that's gonna be it for this episode of our Friday Flights. Have links to the different stories that we mentioned, as well as any other resources that we mentioned during this episode up on our website at how to Money dot com. We'll have those show notes there for you. We hope everyone has a great weekend and look forward to an

interview this coming Monday with Ken Honda. We're gonna talk all about happiness and money. Ken has a unique approach to how it is that we think about money and we look forward to sharing that episode with you here on Monday. Joel, that's going to be it for today until next time. Best Friends Out, Best Friends Out,