Friday Flight - Retreating Rewards, New Tax Brackets, & Workplace TRAPs #582

that workplace traps one. I'm excited to get to that one because not only is it an acronym the stance or something, but it's also like a trap you gotta watch how for So it's kind of athlete named. It's so appropriately named. Yeah. But first, actually we don't have any banter. We're gonna kind of launch straight into things. But this first thing is something that we are incredibly excited to share with you, our listener. We have just launched the how to Money credit card our tool up

on the website. If you go to How the Money dot com forward slash credit Cards, that's gonna take you to this page that is going to allow you to see all of the different credit card offers that are out there. And what's great about this thing is that you can easily filter what it is that you're looking for, uh, and so whether that's specific airlines, whether you're looking for a card without any annual fees or zero percent transaction fee when you are abroad traveling, this tool has all

of those features baked into it. We're just so pumped because I think this is gonna become sort of like a just a one stop shop for folks as they are looking for the next credit card that they're considering getting. No, I agree, it's pretty cool. It's gonna help you because everybody spends money differently, and they want different things out of a credit card, and so absolutely this tool is going to help you more quickly dial in and find

which one makes the most sense for you. We've written content about you know, which how credit cards that you and I've used, Matt, But our situation is different than yours, and so we might benefit from a Costco card where you might not because you don't have a Costco near nearby where you live or something like that. And so you can you can more easily, kind of based on just a quick couple clicks of the mouse, find the

credit card that's going to make the most sense for you. Yeah, just work those sliders, Yeah, like it allows you to easily determine, like what your parameters are going to be used reading some long what kind of dollar value does each of these cards give you? So it's gonna spell that out too. So yeah, we'd be curious to know here your feedback after you give it a go, let us know whether it makes sense for you and how

it helps. So yeah, that sound of money dot com slash credit cards or also just go to the main homepage and you'll see that you can click on the top right corner and you'll get there too. That's right. I So we launched this earlier this week, and I even signed up for a new credit card through our

new tool. I signed up for a Southwest card because my plan is to snag that Companion Pass hopefully, you know sometimes like we talked about with Brian Kelly exactly, Yeah, exactly, But and then you get two years of the free Companion brilliant. Yeah, I'm still looking forward to because I've never tried to get that Companion Pass. And Kate and I we've been talking about, yeah, doing some doing some more traveling. But if you're listening and you're like, well,

I'm not I'm not really big into traveling. Guess what, there's a cash back option as well, and so instead of clicking the airline's thing, you can just hit the cash backslider and it'll show you all the cards that's got the best cash back offers for you. But here's the thing we like, we say all that with a with a caveat here, because it's also really important to

be careful with credit cards. Uh, we're speaking out of like both sides of our mouth here, double we always do, we have to always do you have to include that every time you talk about it or else. I don't know, We're just not We're giving people all the information they needed.

We we definitely take a nuanced approach to I mean to everything right like like, there's both sides of the argument and write like credit cards they can provide amazing benefits for folks who are disciplined right who pay off the balance on time and in full every month. But credit card interest rates are on the rise. The average right now it's currently over eighteen percent, which is the highest it's been in thirty years. Americans nowtent more on

their credit cards than they did a year ago. This is according to the Federal Reserve Bank of New York. So, yeah, if you're in credit card debt, you don't need a new card, right, well, maybe a balance transfer card. We actually do have an article on that up on the site. But you need to put your your current one, your current credit card on ice and man, you need to get a plan to pay that balance off as soon as possible. This is why we recommend the site undebt

dot it. So it's undebt it and they will help you to put together a plan that's gonna work for you, whether that's focusing on a car that has the highest interest rate, whether that's focusing on any balances that you might have that are the largest, or maybe even a

hybrid approach. The interesting thing is, I feel like credit cards can be a double edge short and they can totally are kind of like slice through your travel cost or give you just insane cash back and rewards and stuff like that, which is great for your personal finances, but they can also have and for a lot of people, they have the inverse effect where they're slicing a hole in their finances and and the slice on the hole

in the bottom of your purse, yeah, wallet, exactly. It's draining money out of your life, which is the exact opposite of what we we think. You can use credit cards effectively, but you can also use them poorly. And if you're using them effectively, get the right ones that are going to maximize rewards for you. But if you're not, stay away from them and find a way to get out of that credit card. Yet, you need be careful

because balances are on the rise. I saw like we are nearing the highest So the highest levels were right before the pandemic, like right right around three years ago, October of nineteen, and it was over like nwenties something billion billion with a beat nine seven billion, And I would not be surprised that trillion. I know it's gonna kind of be insane, but I wouldn't be surprised if we get there before the end of the year. Yeah,

we really might. Well, let's let's talk about another topic, Matt, that remains top of mind for folks right now, and that is the president's recent move to grant student loanforgiveness to millions and millions of borrowers. A lot of people have been anxiously awaiting the application for that to become publicly available because that was going to get post on the posted on the Department of Education's website. Well, that

just happened this past weekend. And so if you qualify for student loan forgiveness but you haven't yet filled out the application, will post a link to that in our show notes as well. It should take all of like

three minutes to fill out. It's not very long. But it's also important to mention that some folks, by the way, who are eligible for loan forgiveness under the PSLF program, the Public Service Loan Forgiveness Program, have until Halloween to file a waiver that can help them receive credit for payments that might not have previously qualified. So we'll link

to that as well in the show notes. There's a lot of moving parts, a lot of student loan stuff going going on, but time is of the essence, specifically on the PSLF one. The deadline for the student Loan Forgiveness application. You've got till the end of the year, so you can take a sweet time on that if you want um, But when it comes to the PSLF waiver that you gotta get done and the next week and half basically, and basically I mean go ahead and

sit out and knock them both out. Like like Joe said, it only took a couple of minutes. Um, you will have to put your Social Security number and their folks were kind of worried about that. But this is the federal student aid website. So you see that dot gov. You know you're in the right place. Do avoid uh talking to anybody who reaches out to you directly, like whether it's an email, text message, and social media. If

you venmil me a hundred bucks, I'll excite it. Yeah, obviously you want to avoid that, but there are certainly more attempts by those folks with more folks signing up for that actual student unforgiveness and jel yeah, you said you've got until Halloween to to sign up for that PSLF waivers specifically, speaking of Halloween, candy is more expensive this year. Uh, stats still free for me. I just

s tell my kids, got that daddy tax right. The price of candy, it's it's actually almost exactly in line with the cost of other grocery store items. It's up about year of a year. And so how is it that you keep candy costs low while still having a great time this season? Well, you buy the bigger bags. Duh.

If you're planning on giving out tons of candy anyway, the you know, the bags that have at least two hundred pieces in there, that's going to get you the most bang for your buck where you're able to lower the cost of each individual east. Uh, that's at least typically the case. And you know you can find those big old bags at warehouse clubs like Sam's or Costco. Yeah, it's gonna save your money. Then grabbing the twenty count

bag at a place like Target or Walmart. Right. Well, I saw somebody in our Facebook group, Matt said they buy the big big candy bar size, like the king king size. Yeah we'll not king size, but like not the tiny ones, right standards standard sized candy bars. And I was like, you, okay, I hope that someone. I think one of our listeners was like, I hope that's your craft beer equivalent, because hey, maybe and maybe it is,

and maybe it is. Maybe you love to see the joy on a kid's face when you're handing them like a giant candy bar, and everywhere else are getting the tiny ones. But you gotta make sure you're prepared to spend the big bucks for it because it's gonna cost more of this year. So yeah, that's definitely when the daddy tacks kicks in because you see that one, you're like, oh, that one's for that one's for mom and your daddy. The little ones are those are for you. But we

sent off the top. That's how you teach your kids of money lesson right there, right Well, and I hate to beat a dead horse, Matt, but last week, you know, we you and I we talked about fancy pet restaurants charging seventy five bucks for a three or meal for your dog. But and and just I just want to say this because while we're on the note of Halloween, well, pet owners are buying more expensive Halloween costumes for their pets.

So that that's that came out this week. The National Retail Federation says that folks are likely to spend seven million dollars on costumes. So much money. It's it's crazy, it really is. And you know, I don't Here's what I would suggest. Instead of spending money on a costume for your pet, allow them to be a part of your costume without having to get dressed up. So, in particular, it works best if you have a hairless cat, then you can be dr Evil from Austin Powers. That's I

don't know, that's just like one thought. But naked cat, I guess all cats are naked. Maybe to shave your cat if it does have fair sure, that's totally fun with that, right, that's maybe I'll do that with with one of ours. But I'm not gonna go hard on this one. But yeah, spending spending on Halloween costumes, it can bring lots of joy. I totally get it. It's totally okay to dress your your dog up like a pumpkin or a hot dog, which apparently are the top

two choices this year. But just don't go overboard and maybe just maybe think about getting one used off Facebook or something like that, or just reuse a costume from last year. Check out eBay as well forget pet costumes. Did you see the most popular kids costumes Spider Man? Which classic? Right? And well, guess what our son is going to be dressed up? He's a three year old and he wants to be dressed up as Spider Man.

I didn't realize that we were so like basic middle class, but I was like, oh wow, I guess that's not really unique. To me, it's unique because you know, we've had all girls up until now. So he's like, I want to be Spiderman. I'm like, buddy, that's awesome. Sitting to the majority of all kids who are participating in Halloween was Spiderman in the Princess You're just like everyone else, all right. Well, so those bags of candy, they're not

the only thing is getting smaller. Retail rewards have been shrinking as well. Airlines like Delta they've been raising the bar to achieve different status levels, and Duncan Donuts they are pairing back reward perks for their customers as well. The biggest or for regular visitors at Dunkin Donuts is that they did away with their freebie birthday drink line too far, so you can slash that off of the

all the places to visit on your birthday list. But they're also requiring more visits to crew some of those you know, different free coffee benefits and drinks throughout the year as well. Uh. And honestly, that like this is just part of the reality of inflation. It's one way that businesses are able to fight back and it often allows them to keep other price increases in check. And so I know some folks are pretty bummed about things.

But would you rather lose some of these benefits or would you rather see the price of actual coffee, of the actual product go up across the board and a dozen donuts to take up two bucks, or would you rather miss out on some of these rewards. I get it exactly. It's tough sledding out there, but retailers have to make choices as their cost of doing business goes up.

And so this is one of those things where we're gonna take it on the chin as or at least people who like dunking donuts a lot are going to take it on the chin. Let's talk about the new tax brackets for a second map because you know, one benefit bit of inflation, a silver lining, if you will, is that the I R S has has changed changed up the tax brackets for next year for tax three. And obviously what you pay in taxes is dependent on

a bunch of different things. It's depending on your specific situation, your income, your filing status. You know how much you're giving away, how much you're contributing through retirement accounts, like all of the above. But the nice thing is the tax tax brackets have gone up basically in line with what we've seen for inflation. You can see those new tax brackets. Will link to the I r S website on our website at how to money dot com, so

you can see specifically where you might fall in. But the standard deduction is also going up, which is another good thing for taxes. Uh. It's twenty seven thousand, seven hundred dollars for married folks next year and eight hundred

and fifty dollars for single individuals. And man, it makes sense for the vast majority of folks to take the standard deduction something close to American of Americans can and should take the standard deduction, right, they'd be worse off if they chose to optimize because the standarduction is is so rich, And it's just nice to see that climb by a meaningful amount. That, combined with the tax bracket increases, I think could see a decent chuck of Americans paying

less in federal income tax next year. Exactly. Yeah, So that's yeah, Like you said, it's kind of a silver lining. But some some clearly some definite good news is on the retirement account front. We have seen those contribution limits on the rise as well. You're gonna be able to put sixty dollars into iras next year. That's five hundred bucks more than last year. Uh. And you can contribute to thousand dollars more to a four one K or a four or three B up to two thousand, five

hundred dollars. So this is all great for those of us who are looking to dramatically save and invest for our retirement. On that note, hs A limits they actually went up by a few hundred bucks as well. Uh. Individuals can contribute two hundred dollars more than they could last year for a grand total of three thousand, eight hundred and fifty dollars. And married folks and contribute four dollars more for a total of seven thousand, seven hundred and fifty dollars. And so keep in mind that's for

hs A s, which are health savings accounts. Those are the accounts that we see as the number one account basically to invest into. They've got that triple tax advantage. To get more money into those is two amazing things. Yeah yeah, uh. And so even though those dollar amounts seem small, just realize the benefit that they're gonna be able to provide you is it's sort of like three

x if you don't think about it that way. But don't confuse hs A S with f essays flexible spending accounts because those limits are actually increasing as well, from fifty to three thousand fifty dollars as well. Uh So bottom line, you know, if you're getting after it's nice to know that you'll be able to funnel a little more money, a little more dough into those pre tax

retirement accounts starting January one. And so what that means if if you're like me and you set aside five hundred bucks every single month for the next year, right, and so I always want to make sure I've got they're always over retrieving ready to go, because you, I mean, history shows you earn more like you see higher returns with the most time in the market versus timing the market. And so it's better to get that money in a

SAP as soon as possible. Uh And so what that means though, is that there's a five difference to make up. So just make sure that you stash away an extra to fifty uh for November and December. That way you do have that not just six thousand dollars come January, but that full ready to rip, and then moving forward you are looking at something more like it's like five bucks if you want to make sure you have that

full just over a month. There you go. So yeah, if you want to, if you're starting January, if you're if you're not like Matt, you're not over achieving, You're just contributing the the amount every month to try to max it out. In January, you're gonna start wanting to put away five a month to max it out, whereas

before you were just doing There you go. All right, we got more stories to get to, including a fascinating new study about how where you work is going to make a major difference in your economic mobility and your your financial success. Will get to that and more right after this break. Alright, we're back from the break, and we've got several additional stories to get to, uh, including we're gonna talk about the new Apple banking product that's

gonna be rolling out. But before we get to that, Joe, we've got our ludicrous headline of the week, and this one comes from Business Insider, and it reads, the era of free returns maybe coming to an end. Oh man, This is bad news because basically some businesses out there, they're starting to charge fees to return the stuff that you've ordered online. And the reason for that is returns can be a massive headache for retailers that costs them

quite a bit of money. I totally understand they're desired

to to do this. It almost has felt like it's like a lost leader, like the ability for them to offer free return shipping in order to kind of vacuum up all those consumers out there to get you beholden to that website or to that service, depending on the condition of that the item is in once it gets returned, sometimes it's unsellable and sometimes they just have to donate it, or it costs money and labor to put that item back on the shelf, or it's not perfect conditions, so

I get a retaler. So often it returns to a big problem for you. Do you care? Like if you buy something alone and you can tell that it has already been returned, because you can kind of tell, right like, does that bother you? It depends. It depends on whether it's clearly busted, like and sometimes obviously if it's busted, it's like okay, no, this is legit broken, but like we ordered something recently and you could tell that it they had tried it out, and I was like, you

know what. At first, I was kind of offended because like, how dare they send me something that's not perfectly new? But at the same time, I don't know, like when you go in store in person and buy something, like whether it's a shirt or something, like people try things on and how is that all that different I guess

than somebody making return themselves. And it feels different, I guess because we're not necessarily used to it's not that as used, but it's something that someone else's touched, you know, it's not like it's straight from the manufacturer. But if you are wondering which retailers are trying these return fees out, uh, some companies who have admitted to doing this our h and m Zara. Uh, not just the fast fashion folks out there, but other retailers as well, like Jay Crew,

Crews not fast fashion. That's to me, they're kind of like in the middle, J C. Penny, DWS, Abercrombie. Um, they're still around actually, believe it or not. That's also news to me. That was Joel's other other high school job was standing out in front, like I've bench pressed enough to do that, but others other retailers are likely going to follow suit if there isn't too much of a revolt. And we, of course we hate fees and

we want you to avoid them. You know, you can sometimes avoid these return fees if you are part of some of these different membership programs that these retailers are offering, or by returning the items in person instead of shipping them back. It's you know, like, we know that that it's going to be annoying, but my be what you have to do in order to avoid these these return fees. And some work with third party companies so you can

drop them off in a more convenient location. Let's say you do buy from a j CRU or something like that, and you're like, there's no store anywhere nearby me, I have to send it back, but they're gonna charge me a few to do it. Well, sometimes they work with the third party companies so you can drop it off at like UPS store or something like that to make it a little bit easier and also allow you to avoid some of those fees. I think Happy Returns is one of these companies that does that on behalf of

certain retailers like a Walgreens. I feel like they were one of those partners as well. That might be Yeah, I think you can return into a few different places if you're doing it through Happy returns, But you also

might want to reconsider where you do your shopping. Right if a retailer that you like, even if ordering online is incredibly convenient and easy, well, if it's becoming more annoying and expensive to return the items that you get, you're like, wait a second, this doesn't fit the way I wanted it to, this doesn't look the way it looked online, then we would say you might want to think twice about buying from that retailer if they're going

to charge your fees to take it back. Shopping in person is another thing, and I'm not keen on doing that myself, map, but I know some people are like they've gotten used to shopping online, but maybe maybe they have realized that they're spending too much buying stuff online anyway, and shopping in person is the best way to test stuff out so you don't find yourself in the position of having to send stuff back you know, all the time, or the or holding onto things because you forgot to

make returns. That's a problem too that people run into. So yeah, those are a few ways to fight back against. Gotta be intentional about it. Yeah, potential potential few return charges that you might encounter. But I mean that being said, I think it's gonna be really tough because I think individuals consumers have fallen in love with free returns over the past several years. Um, you've all. I forget his

last name. Sapiens is the book that he wrote though, but he talks about how initially when we experience something, it's a luxury, but then we start taking those luxuries for granted, and pretty soon we we start depending on all those things. Two days shipping was a novelty until I was like, I wanted to want the additional costs and responsibilities in our lives. I wanted three hours after cooking.

Now we have to, like, it's gonna take some serious, intentional, like active behavior in order to fight this desire to continue down this path that we've basically been trained to go down. But Jola's hit on another story which this actually could have been our our ludicrous headline. I feel like we always come across the couple every week. We're that kind of makes in there, man, because there's a

couple that really suck a little bit. Uh. And it is that more US companies they're charging their employees for training. We we actually talked about this recently pet Smart. They're they're charging employees thousands of dollars if they received training but then don't stay with a company for at least a couple of years. Not cool at all. But it

looks like now that pet smart isn't alone. Reuters they had an article this week that said that nearly ten percent of US workers are covered by a TRAP and Joel, this is what you're referring to earlier. This is a training repayment agreement provision. And it's not like the businesses are calling it that because of course they would have wanted to avoid the acronym traffic. This is an acronym that critics have coin your employee, please sign this trap um.

It's like, wait, what, your red flags aren't going up when they slide that across the table and paying attention if it's not yeah, and said, it's just yeah an appropriate acronym for saying that the training like this is on you if you don't stay at the company for

a specified period of time. So it's not just pet Smart, it's other places to nurses, truck driver, salon workers and more are being forced into signing these traps, and it often keeps people locked into a job that they'd otherwise like to leave, but it would cost them too much to go elsewhere. They're like, man, I would go down the road the labor markets robust. I can make more

money over there. But because I signed this piece of paper, I'm gonna owe my current employer money for the training that I received, and I don't have that cash on hand. It's a real problem. So we would say, make sure you know what you're signing when you get a new job that requires training. If it says trap at the top, runaway. But even if it doesn't read the fine print, make sure you know what you're getting into, know how much it's gonna cost you if you decide this job isn't

for you before the agreement expires. And they also note in the story that lawmakers are considering legislation to put some boundaries on these sorts of agreements, which could be a good thing, but until then, it's on you to look out for yourself and to watch out for these workplace traps that apparently here, you know, getting more people than I thought. I didn't realize, Matt, ten percent of the workforces, a lot of has signed something like this. Yeah,

it's a lot of folks. It's a big deal. The truth is working for the right company that goes a long way, right, A company that that that treats you well, like a like a human being, that doesn't set traps for you. A new five year study by the Burning Glass Institute, they find that where you work has a lot to do with your potential for career advancement. It's less about your like your specific title, or your specific job, or even an industry, and it's more about the company

that you opt to work at. This the study literally listed out the top companies that offer folks the most economic and job opportunity the most chances for advancement. Will link to the study in the show notes. But some companies that were there near the top of the list where Apple, A T and t Amex, Microsoft, Liberty Mutual Southwest as well, so they double shout out to Southwest. They were all near the top of the heap and

companies that you should feel pretty good about working for. Yeah, and Costco actually made it in the top see that. I think they were in Nestling in their number twenty three. They treat their employees well, they do, and it's it's true. I think every company has a culture, and it's it's just easier than ever before to figure out what that company culture is before you start applying for jobs. Often times, before the Internet mat it was like word of mouth.

It's like, yeah, it was a great place to work. They treat me well. But now, back when companies were also small and so I mean that probably worked back in the day, right, because it's like, well, it was easier back then because the companies were smaller, and it's like, well, yeah, you still had it. I don't know, it took maybe a little more legwork for you. But now that these companies are big and massive, it's like, how are you supposed to figure out how they're treating this entire division

of people? Internet? Yeah, technology studies studies like this one, workplace forums sites like glass door are really helpful to analyze companies before you start applying. Milly Nilly and we would say to prioritize companies that do right by their employees right trying to ask folks who worked there about how that company approaches pay raises and promotions before you

even agree to go in for an interview. And this study, by the way, Matt, it's got this great interactive tool on their website so you can kind of dig down and see which companies rank well on a bunch of different factors. So we would say it's definitely worth checking out and going there. But a lot of a lot of great tools that were recommending exactly well. Yeah, And and I thought it was important to mention too that Dollar Tree Dollar General offered some of the most room

for advancement for folks without a college degree. And they specifically have a button on this site that says like I don't have a college degree, boom, which companies are going to be best for me in that position? And they highlight like people specifically at a Dollar Tree and stuff like that, even if you don't have a college degree, you can end up at something make a district manager making big money without ever having gone to college, which

I think is cool. So unlike working for Microsoft or Intel, who have very high standards as to snagging that entry level, that initial position exactly, but there's it's it's nice to see it broken out like that. I think this tool and seeing super which companies are great at promoting people and increasing their pay Like, man, those are the companies I'd want to be applying applying at first. Yeah, and plus it's just good to be able to I feel like we crap all over Dollar General and uh because

he was like that. But there's opportunity. It's also good to see though that they are it seems like they're doing a great job when it comes to the kind of culture that they're fostering within their companies. Well, Jola's get to this story for all the Apple fan boys out there, finger Els fan boys. I'm not sure if we needed another online bank, but we're definitely going to be getting one. We've well, you know, we've talked about the virtues of online banks regularly on the show. We

like Ally Discover, C, I, T, and Marcus. These are some of the best ones out there. And actually Marcus is run by Goldman Sachs, who partnered with Apple to launch their credit card. Well now they're actually partnering to launch an Apple branded bank and with more than half of Americans as Apple users. It's worth noting that you might be seeing a lot more about this new product soon. It's honestly right, at this point, it's too early to tell whether or not it's going to be worth signing

up for. I will say that Marcus, like their high Yield Savings account, currently is offering a rate at two point three five percent, which, again, like we said, that is solid and hopefully we see something exactly the same or at least very very comparable that Apple is able to offer. It's still not what uh C I T is offering. I mean, we can barely keep up with them. They rolled out three percent earlier this week, which is crazy.

But you know, we know that this account will feature no minimums, no fees, but we don't know what the actual interest rate's going to be. Uh well you know, nor you know what additional features they're going to be offering as well. But either way, they can't hurt to have another solid competitor within the online making space, and we'll make sure to keep you all updated when we know more. For sure. Yeah, as an Android user, of course, I will not be using this bank, Matthew, unless they

are actually tough here top notch. But we'll see. I don't know if it's even Google will allow me to get the Apple on my Pixel phone. I don't know. Apple and Google don't say like you can't get there from here, Sorry, you gotta go on your web browser, idiot, which you know. If it's good enough, maybe I'll do it. But last story of the day, Matt, let's let's talk

about Aldi for a second. CNN had an article listener Masa said this one our way, and basically, even though you and I we've been preaching the Aldi gospel for years now, it feels like we've been like John the Baptist, crying in the wilderness with a few people listening. But yeah, conversions are happening more rapidly now, especially amongst middle and high income folks who are becoming more price sensitive as

inflation just obviously continues to be a major problem. Foot traffic into all these stores is up double digits percentage points, and that makes sense to me, right, food prices are on the rise. Just the act of changing where you buy your groceries can lower your bill dramatically. No cup on clipping necessary, which is my kind of thing, because I don't like huvans. I hate doing that stuff. And and but all the inlital are the two top low

cost options that most folks should consider. And if you've yet to venture into one, we would say this weekend it's a perfect time to check one out. And you're not the only one who's gonna be doing it. More and more folks are are leaning towards the discount grocer's and the truth is they could lop a decent portion off your grocery bill every single month then, especially as it keeps going higher and higher thanks to inflation, like

you gotta fight back in some way. This is the easiest way, we would say to fight back and say big, that's right, man, But that is going to be it for our Friday flight. Don't forget to check out the credit card tool. So how do money dot com forward slash credit cards? And we hope everyone has a great weekend. We'll see you back here on Monday. We actually have got a great interview lined up and we're gonna be talking about crypto. It's been a minute since we've we've

talked about that. Crypto is like locked away in the freezer right now, in the depths of despair. But it's worth talking about winter. We had an expert that we're bringing on who is a journalist. She talks about crypto every day for a living, so I'm curious to We're curious to pick her brain. Here her thoughts and we'll share that with you on Monday. Absolutely, but Joe, that's going to be it for this one. Buddy, until next time, Best friends out, Best Friends Out.